List of Fees ENTREPRENEURS AND SMALL COMPANIES. Turnover up to CZK 25 Million

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Jonas Wood
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1 List of Fees ENTREPRENEURS AND SMALL COMPANIES Turnover up to 25 Million Valid from 7/7/2015

2 Table of Contents 1. Day-to-Day Banking Current Accounts Escrow Accounts Professional accounts Special Current Account (Payment of Registered Capital) Domestic Non-Cash Payments Foreign Non-Cash Payments Cash Payments FX Transactions Debit Cards Card Insurance Direct Banking Savings Savings Accounts and Time Deposits Deposit Bills Loans FAIR Loans for Entrepreneurs Bank Guarantees Other Loans Documentary Transactions Documentary Transactions Investment Investment Certificates Bonds Funds Shares Other Other Banking Services Cheques Banking Information Safe Deposit Boxes Other 15 Page 01

3 1. Day-to-Day Banking 1.1 Current Accounts Account opening / change / closing FAIR Account PODNIKATEL Business FAIR Account MINI AKTIV OPTIMAL Monthly account maintenance (actively used account) 399 Monthly account maintenance (inactively used account) Actively used account criteria: Credit turnover = incoming payments from another bank, incoming payments from an account held by another Sberbank CZ client and cash deposits made during a given month credit turnover of at least 15,000 credit turnover of at least 100,000 New option of FAIR account at the client's request Electronic monthly account statement (estatement) / Account statement printed out at Infoterminal Account statement sent by post 40 Copy of account statement 50 Balance confirmation letter 200 Account blocking (as per client's request) 200 FAIR Savings (PLUS) preferential interest rate FAIR Account (AKTIV) first account arranged for entrepreneurs for their personal use Foreign payments preferential rates 1.2 Escrow Accounts Account opening and maintenance, amendment to agreement 0.3% of the deposited amount, min. 6,000; max. 20,000 Adjustments to contract templates (as per client s request) 4, Professional Accounts Escrow account notaries (one-off fee) 300 Escrow account attorneys-at-law (one-off fee) 300 Distrainer (one-off fee) 300 Insolvency proceedings / bankruptcy (one-off fee) 300 Fees apply to accounts with accrued interest and include: account maintenance, account statements, all domestic payment transactions (with the exception of additional fees charged to express payments), deposits and cash withdrawals. Page 02

4 1. Day-to-Day Banking 1.4 Special Current Account (Payment of Registered Capital) Account opening 500 Account maintenance (monthly fee) Confirmation of deposit 1.5 Domestic Non-Cash Payments Incoming payment within Sberbank CZ FAIR Account PODNIKATEL Business FAIR Account MINI AKTIV OPTIMAL Incoming payment from another bank 5 Outgoing on-line payment within Sberbank CZ (including standing orders and direct debits) 20 incoming payments included in the account option fee, 5 per additional payment Outgoing on-line payment outside Sberbank CZ (including standing orders, direct debits and SIPO) 5 20 single payments, 20 standing orders, 20 direct debits included in the account option fee, 5 per any additional payment Outgoing payment PayU payments 5 Outgoing payment submitted on a paper form 75 Urgent payment (surcharge) 200 Unprocessed payment revoked on the payment date (always subject to agreement with the bank) 150 Confirmation of payment (processed / credited payment) 100 Notification of non-payment (non-processed payment) Standing order, SIPO, pre-authorised direct debit new / changed / cancelled (electronic or printed out at Infoterminal) / 50 (sent by post) (on-line) / 50 (at branch) Page 03

5 1. Day-to-Day Banking 1.6 Foreign Non-Cash Payments Clients with Business FAIR Account OPTIMAL Clients w/o Business FAIR Account OPTIMAL Incoming payment within Sberbank CZ Incoming payment (OUR payment instructions) Incoming EU payment (incl. SEPA payment) Incoming Sberbank payment Incoming Rubl payment Incoming payment up to 150 Incoming payment with BEN/SHA payment instructions (foreign currency / payment from abroad, foreign currency payment from another domestic bank) / incoming payment from another domestic bank credited to a foreign currency account 0.5%, min. 100; max %, min. 150; max. 900 Outgoing payment within Sberbank CZ Outgoing payment from a foreign currency account to an account opened with another domestic bank 0.5%, min. 50; max. 300 Outgoing EU payment (incl. SEPA payment) Outgoing Sberbank payment Outgoing Rubl payment 1%, min 100; max Outgoing foreign currency / payment remitted abroad / to another domestic bank in a foreign currency Additional fee charged to each payment with OUR payment instructions (all transfer charges paid by the payer; beneficiary receives all payment) Additional fee charged to each payment submitted on a paper form (incl. payment transfers within Sberbank CZ) 1%, min. 150; max %, min. 300; max. 1,700 1%, min. 300; max. 1,500 Additional fee charged to each NON-STP payment 400 Additional fee charged to each payment processed after cut off times (always subject to agreement with the bank) Additional fee charged to each urgent payment 750 Unprocessed payment revoked or modified on the payment date (always subject to agreement with the bank) Request to change the instructions / cancel / investigate a processed payment Confirmation of payment requested upon / after presenting a payment order fees charged by other banks 200 / 300 Account statement sent via SWIFT (one-off set-up fee) 1,000 Account statement sent via SWIFT (1 account, monthly frequency) 1,000 Notification of non-payment (non-processed payment) (electronic) / 200 (sent by post) Rejected payment (insufficient funds) 200 Returned payment (incorrect client's instructions) 300 Foreign standing order (new / changed / cancelled) 200 Page 04

6 1. Day-to-Day Banking 1.6 Foreign Non-Cash Payments TIP Send and receive payments in a foreign currency or from abroad at preferential rates try EU payment, SEPA payment, Sberbank payment or Rubl payment. EU Payment (incl. SEPA Payment) EU payment an incoming payment from an EEA country up to EUR 50,000 (inclusive) with valid IBAN and BIC; SHA charges apply. SEPA payment a payment in EUR with the same parameters as the EU payment, except for the limits (unlimited) and remitting banks (SEPA banks only); SEPA payments up to EUR 50,000 (inclusive) are charged as an EU payment; SEPA payments above EUR 50,000 are charged as an incoming payment with BEN/SHA payment instructions. EU payment an outgoing payment to an EEA country up to EUR 50,000 (inclusive) with valid IBAN and BIC; SHA charges apply. SEPA payment a payment in EUR with the same parameters as the EU payment, except for the limits (unlimited) and beneficiary banks (SEPA banks only); SEPA payments up to EUR 50,000 (inclusive) are charged as an EU payment; SEPA payments above EUR 50,000 are charged as an outgoing foreign payment in a foreign currency or in. Sberbank Payment An incoming payment in EUR, USD, RUB and remitted from Sberbank of Russia and its subsidiary banks in Belarus, Kazakhstan and Ukraine (payments in EUR and USD may be subject to the fees charged and deducted by the correspondent banks); and an incoming payment in EUR and remitted from the subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia and Slovenia. An outgoing payment in EUR, USD, RUB and remitted to Sberbank of Russia and its subsidiary banks in Belarus, Kazakhstan and Ukraine payments in RUB are not subject to OUR charge (other options are not supported in RUB currency) whereas payments made in other currencies are subject to OUR charge of 300; also an outgoing payment in EUR and remitted from the subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia and Slovenia. Rubl Payment An incoming payment in RUB other than Sberbank payment. An outgoing payment in RUB with OUR payment instructions other than Sberbank payment (not subject to OUR charge). When completing a payment order, please make sure that all required fields are correctly completed, namely: Valid BIC and IBAN (payments remitted to an EEA country in any currency / payments remitted within the Czech Republic in a foreign currency). lid identification code of a bank (other payments). Any payment orders corrected manually by the bank (incorrect values, missing values, values in incorrect fields) are subject to an additional fee charged for a NON-STP payment. Page 05

7 1. Day-to-Day Banking 1.7 Cash Payments Cash deposit (at branch) Coin deposit (> 50 coins) 2%, min. 100 Exchange of coins ( 101 pcs / nominal value) 2%, min. 100 Exchange of banknotes ( 101 pcs / nominal value) 1.5% Additional fee charged to the deposit of unsorted banknotes (> 500,000 ) / day 0.1%, max. 1,000 Additional fee charged to the deposit of foreign currency (> 500,000 ) / day 0.1%, max. 1,000 Cash withdrawal (at branch) 60 Additional fee charged to the withdrawal of cash above 250,000 / day 0.2% Additional fee charged to the withdrawal of foreign currency (excl. EUR, USD, GBP, CHF) 0.5% Large withdrawal without notice (> 250,000 ) 1,000 Uncollected funds (large withdrawals above 250,000, noticed) 0.5%, min FX Transactions Purchase / sale of a foreign currency 1%, min. 50 Page 06

8 1. Day-to-Day Banking 1.9 Debit Cards Issued card FAIR Account PODNIKATEL Business FAIR Account MINI AKTIV OPTIMAL Maestro / VISA Electron card maintenance (monthly fee) 30 MasterCard Standard / VISA Classic card maintenance (monthly fee) 1 card included in the account option fee / 60 per additional card 1 card included in the account option fee / 60 per additional card 2 cards included in the account option fee / 60 per additional card MasterCard Business / VISA Business card maintenance (incl. Exclusive Travel Insurance by ČSOB Pojišťovna and D.A.S. Legal Expenses Insurance) MasterCard Gold / VISA Gold card maintenance (incl. Gold Travel Insurance by ČSOB Pojišťovna and D.A.S. Legal Expenses Insurance) Non-cash payment for goods and services ATM cash withdrawal (Sberbank, Czech Republic) ATM cash withdrawal (ČSOB and Era, Czech Republic) 10 ATM cash withdrawal (other banks / companies, Czech Republic) ATM cash withdrawal (abroad) % Cash advance (Czech Republic) 1%, min. 50 Cash advance (abroad) % Reissued PIN (forgotten PIN) 160 PIN change (at ATM) 35 ATM balance enquiry (Sberbank CZ, ČSOB and Era) ATM balance enquiry (other banks and abroad) 9 CNP limit change (e.g. internet payments) ATM / POS limit change 30 Emergency cash advance (abroad) 3,000 Replaced card (abroad) 4, Card Insurance Insurance by Cardif Pojišťovna (monthly fee) Individual travel insurance 49 Family travel insurance 79 Card and personal possessions insurance 59 Insurance arranged to a valid card only (cannot be transferred). Page 07

9 1. Day-to-Day Banking 1.11 Direct Banking Sberbank Online Banking, Smart Banking Sberbank Online Banking services (monthly fee) Smart Banking services (monthly fee; services arranged exclusively to Sberbank Online Banking) Token (one-off fee charged for the first and second token issued to a client) Token (one-off fee charged for the third and additional tokens issued to a client) 300 New token (expired token) New token (lost / stolen token, token damaged by a client) 450 Security envelope (one-off fee) Re-issued security envelope (one-off fee) 150 Notification text message (Sberbank Online Banking login / balance / unauthorised overdraft / incoming or outgoing transaction) Other notification text messages Notification Homebanking Homebanking services (monthly fee charged to each client having arranged the services) 300 Gemini software (one-off installation and training fee; training provided in the Czech Republic) 3,000 Additional user station 1,500 Security envelope (one-off fee) Re-issued security envelope / renewed signature certificate (one-off fee) 150 Other services (repeated Gemini software training/re-installation at client's premises in the Czech Republic as per client's request) Termination of services 1,000 per hour of work MultiCash MultiCash services (monthly fee) 1,000 Installation (one-off fee) 7,000 Activation (one-off fee) 3,000 Other services (repeated MultiCash software training/re-installation at client's premises in the Czech Republic as per client's request) Termination of services 1,000 per hour of work Fees apply to one SW installation which can serve any number of accounts held by multiple clients (multiple legal entities or individuals) at Sberbank CZ. Page 08

10 2. Savings 2.1 Savings Accounts and Time Deposits Account opening / change / closing / maintenance (savings account) Sberbank Online Banking services (monthly fee, incl. Smart Banking services) Incoming domestic payment Outgoing domestic payment within Sberbank CZ (on-line payment) Outgoing domestic payment outside Sberbank CZ (on-line payment) 5 Account opening / maintenance / renewal (time deposits) Withdrawal of funds / termination of time deposit account before maturity 2% of the amount withdrawn before maturity, min. 1,000 Assignment of savings accounts and time deposits Deposit Bills Issue of a deposit bill of exchange Early payment of a deposit bill of exchange 2%, min. 1,000 Custody of a deposit bill of exchange (monthly) Other fees not stipulated herein are governed by the respective chapters of the List of Fees. Page 09

11 3. Loans 3.1 FAIR Loans for Entrepreneurs Loan processing Loan account maintenance (loans / overdraft facilities) Amended contractual terms and conditions (as per client's request) 8,000 Availability of funds Copy of an entry in the Land Register Early repayment VAT ( 3 pages) / 70 + VAT per additional page 1% of the prepaid portion; within the fixed rate period 3.2 Bank Guarantees Request for a bank guarantee facility (processing fee) 0.50% of the bank guarantee facility Facility administration (annual fee) 5,000 Amended contractual terms and conditions (as per client's request) 8,000 Issued bank guarantee 3,000 Guarantee commission 3% p.a. of the issued bank guarantee amount, min. 1,500 Amended bank guarantee 3, Other Loans Other loans are governed by Chapter 5 of the List of Fees applicable to medium enterprises with an annual turnover between 25 million and 1.2 billion. 4. Documentary Transactions 4.1 Documentary Transactions Documentary transactions are governed by Chapter 6 of the List of Fees applicable to medium enterprises with an annual turnover between 25 million and 1.2 billion. Page 10

12 5. Investment 5.1 Investment Certificates OTC-traded investment certificates Purchase during the subscription period Sale of Volksbank AG securities as stipulated for each issue Sale (any amount) 500 Payment upon maturity Coupon payment Publicly traded investment certificates Purchase or sale 1.25%, min. EUR 38 Payment upon maturity Coupon payment 0.30% of the transaction volume, min. EUR 1.50, max. EUR 50 fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR Bonds Purchase or sale Domestic bonds 0.6%, min. 180 International bonds 0.6%, min. EUR 50 Payment upon maturity Domestic bonds International bonds Coupon Payment: Bonds / mortgage bonds issued by Sberbank CZ Domestic bonds International bonds fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Page 11

13 5. Investment 5.3 Funds Purchase of share certificates Money market mutual funds 30, , % 300, , % 1,000, % Bond funds 30, , % 300, , % 1,000, % Equity funds 30, , % 300, , % 1,000, % Mixed funds, guaranteed investment funds, index funds and click funds 30, , % 300, , % 1,000, % Sale of share certificates Transfer of share certificates within a single investment company (exchange of funds) Target fund with a higher purchase fee Target fund with a lower purchase fee Dividend payment difference between the higher and the lower purchase fee charged within the given band (based on the investment amount) ETF (exchange traded funds) ETF traded in Austria and Germany (purchase or sale) 1.25%, min. EUR 50 ETF traded elsewhere (purchase or sale) 1.25%, min. EUR 65 Page 12

14 5. Investment 5.4 Shares Purchase or sale Czech Republic 1.25%, min. 100 Austria, France, Germany, Italy, Portugal, Spain 1.25%, min. EUR 38 Russia 1.25%, min. EUR 350 Switzerland 1.25%, min. CHF 60 United Kingdom 1.25%, min. GBP % stamp duty upon payment Canada 1.25%, min. CAD 100 USA 1.25%, min. USD 50 Other upon request Dividend payment Domestic shares Foreign shares ŠStock split, reverse stock split, change of face value, reduction of share capital fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR Other Securities trading new / changed / cancelled order Custody (annual maintenance) Custody account statement (annual / extraordinary) 0.2% p.a.; min. 200 / custody incl. VAT Transferred custody Domestic securities To custody From custody Foreign securities 1,000 / transaction + third party costs (upon request) To custody From custody Subscription for an issue of new shares Purchase / sale of rights (right of first refusal of existing shareholders over the issue of new shares to increase the share capital) EUR 40 / transaction + third party costs (upon request) fee stipulated by the respective stock market fee stipulated by the respective stock market Asset account statement (unintegrated registration, CSD Prague) 500 Page 13

15 6. Other Banking Services 6.1 Cheques Collection (third party cheques; services available only to Sberbank CZ clients) Collected amount paid into an account Returned cheque sent for collection (unpaid) Issued Sberbank CZ client cheque 1%, min. 300; max. 3,000 + fees charged by other banks fees charged by other banks 3 per cheque Encashment In by transfer to client's account opened with Sberbank CZ 50 In a foreign currency by transfer to client's account opened with Sberbank CZ 0.5%, min. 50; max. 300 In by transfer to an account opened with another bank 1%, min. 100; max. 1,000 In a foreign currency by transfer to an account opened with another bank 1%, min. 100; max. 1,700 Cash payment up to 250, Cash payment above 250, %, max. 2,000 Bank cheques Issued bank cheque (in USD or GBP only) Returned cheque (unused, paid back into a client's account) 0.5%, min. 500; max. 5, fees charged by other banks Blocked / revoked cheque Banking information Disclosed banking information about a Sberbank CZ client As per client's request 1,000 + VAT As per client's request for audit purposes 2,000 + VAT Disclosed banking information about a Sberbank CZ client Banking information about a client of another bank disclosed to a Sberbank CZ client VAT per inquiry real costs + 1,000 + VAT per inquiry Page 14

16 6. Other Banking Services 6.3 Safe Deposit Boxes Safe deposit boxes located at: Praha Na Příkopě, Brno M-Palác, Brno Panská, České Budějovice, Hradec Králové, Ostrava, Praha Lazarská, Zlín and Karlovy Vary (for more information about the availability, please contact the respective branch). Size 5,000 cm 3 Annual Rent VAT 5,001 10,000 cm 3 1,020 + VAT 10,001 15,000 cm 3 1,500 + VAT 15,001 30,000 cm 3 2,520 + VAT 30,001 50,000 cm 3 4,020 + VAT 50,001 cm 3 9,000 + VAT Safe deposit box keys (deposit payment, 2 keys) 2,000 Request for payment (outstanding rent) Deposit of not collected contents Not emptied safe deposit box after terminated rental VAT 5,000 per year + VAT real costs incurred in emptying the safe deposit box 6.4 Other Request for payment (demand letter) First request for payment (demand letter) 250 Second and additional requests for payment (demand letter) 500 Unauthorised overdraft interest rate (current accounts) 25% p.a. Withdrawn / terminated agreement (loan default) 1,000 Day and night safe keys and deposit bags (deposit payment) 3,000 Other services not stipulated in the List of Fees* Released security interest (movables) 200 per every 15 minutes of work (commenced) notary fee + VAT Execution 150 * Other than financial services stipulated in Act No. 235/2004 Sb., governing the value added tax, are subject to VAT at the standard rate. Page 15

17 Common Provisions Unless stipulated otherwise, all fees are in and the percentage fees are calculated with reference to the transaction amount. If marked as the service (fee for the service) is included in the monthly account maintenance fee. Unless agreed otherwise with reference to specific cases, transactions executed as per client s request are subject to the fees (if any) charged by domestic and foreign banks or other organisations collected by Sberbank CZ in addition to the fees stipulated herein. Information about the fees not stipulated herein is available per request at any Sberbank CZ branch. For further information (if any), please contact your relationship manager at your branch. Page 16

18 Infolinka

List of Fees ENTREPRENEURS AND SMALL COMPANIES. Turnover up to CZK 25 Million

List of Fees ENTREPRENEURS AND SMALL COMPANIES Turnover up to 25 Million Valid from 7/7/2016 Table of Contents 1. Day-to-Day Banking 02 1.1 Current Accounts 02 1.2 Escrow Accounts 02 1.3 Professional accounts