Service Fees and Charges Sberbank Slovensko

Transcription

1 Service Fees and Charges Sberbank Slovensko Individuals - Citizens Valid from 2 nd September, 2013

2 GENERAL PROVISIONS 1. The charge for a transaction on foreign exchange accounts depends on the currency of the account. Transaction fees do not apply to clearing of fees. 2. In case of a change of the current account to a Service Program, transactions (accounting entries) are included in the Service Program from the date of the change of the current account to the Service Program. Transactions performed on the current account prior to the date of the change are charged separately. 3. Besides charges indicated in the Service Fees and Charges, Sberbank Slovensko, a. s. shall also charge the client any potential costs charged by foreign or domestic banks or other agencies, which might accrue in connection with operations performed upon the client s request, as well as telecommunication costs in accordance with current rates charged by individual operators. 4. Financial and banking services not included in the Service Fees and Charges are charged by Sberbank Slovensko, a. s. depending on time required for the requested operation to be carried out and on risk assumed by Sberbank Slovensko, a. s.the remuneration may be agreed contractually. 5. Sberbank Slovensko, a. s., shall charge individual services to foreign banks pursuant to a separate price list. 6. Account statements not collected within three months after having been issued shall be discarded by the Bank. Reissue of such a statement will be charged by the Bank in accordance with the Service Fees and Charges for generation of a substitute statement. 7. The Bank is entitled to change or replace the Service Fees and Charges as a consequence of changes in its business policy, changes in legal regulations and the development on the banking, money or capital market. Any amendment to the Service Fees and Charges shall be effective upon decision of the Bank. It shall be disclosed in branches of the Bank and on its website within time periods pursuant to separate legal regulations prior to the effective date of such amendment. 8. The Bank has joined the initiative of the Slovak Banking Association and it will not charge any fees for cash deposits on accounts of physical persons and physical persons entrepreneurs from 1st December

3 A. SERVICE PROGRAMS 4 1. SERVICE PROGRAMS 4 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS 5 1. CURRENT ACCOUNTS 5 2. SAVINGSBOOKS 7 3. TERM DEPOSIT ACCOUNTS 8 4. NOTICE DEPOSIT ACCOUNTS 8 5. MINIMUM DEPOSITS AND BALANCES 9 C. PAYMENTS CASH SERVICES EXCHANGE SERVICES DOMESTIC PAYMENTS FOREIGN PAYMENTS 13 D. ELECTRONIC BANKING 16 E. PAYMENT CARDS DEBIT CARDS CREDIT CARDS CHARGE CARDS 19 F. CREDITS CREDITS SECURED BY REAL PROPERTY CONSUMER CREDITS 22 G. SECURITIES ARRANGEMENT OF PURCHASE/SALE OF SECURITIES 23 H. SAFE DEPOSIT SERVICES SAFE DEPOSIT BOXES 28 CH. OTHER SERVICES OTHER SERVICES CONFIRMATIONS AND REFERENCES 29 Table of fees in foreign currencies 30 PRODUCTS NO LONGER PROVIDED BY THE BANK 31 3

4 A. SERVICE PROGRAMMS 1. SERVICE PROGRAMS FOR NATURAL PERSONS - INDIVIDUALS Element Element Standard Active Active Premium Slušný účet* Slušný účet* Premium môj ÚČETdomov 3,99 4,99 4,99 5,99 6,49 7,75 9,99 payment frequency Monthly Monthly Monthly Monthly Monthly Monthly Monthly Maintenance of current account in EUR with minimum balance Maintenance of current account v EUR without minimum balance Monthly, or quarterly, or bi-annual, or annual account statement and its delivery per , or post in SR, or to be collected in person Issuance and maintenance of one Maestro international payment card or VISA ELECTRON or Bratislava City Card for Account Holder during its validity MasterCard Unembossed PayPass EURO <26 with expected fee for the first licence period for EURO <26 or Bratislavská mestská karta Maestro Provision of authorized overdraft Standing orders changed through electronic banking 2x 2x 2x 2x 2x 2x Electronic banking services (apart from Sberbank Business Online - Homebanking and Multicash) Call centre services 2 Clearing of unlimited number of domestic and separately regulated cross-border payments in EUR within the EEA countries via electronic banking Clearing of unlimited number of incoming domestic payments and separately regulated cross-border payments in EUR within the EEA countries Clearing of unlimited number of outgoing payments by standing/direct debit order Clearing of an unlimited number of cash deposits Clearing of an unlimited number of payments via POS terminal Clearing of an unlimited number of withdrawals from ATMs of Sberbank Slovensko, a. s. Cash withdrawal in EUR in a month from ATMs of another bank in the Slovak Republic and in the monetary union for each Active programme, Decent Account service môjúčetgo (my Account go) for each child of a married couple /partners 1x 1x 1x 1x 2x Programme of travel, property and accident insurance and assistance services Discount of 5 % on outgoing payments of selected energy and service suppliers (the discount may be applied to monthly payments up to total 300 ) Benefit of Service Programs Active, VeBkonto, Fair Account If the average monthly balance on the savings account for the previous month exceeds EUR , then the maintenance of the Service Program Active, Active Prémium and/or Vebkonto, Slušný účet, Slušný účet Prémium in the following month is free of charge. If the Active /Slušný účet or Active Prémium/Slušný účet Prémium Service Program is the account from which the Bank collects monthly instalments of a loan granted by Sberbank Slovensko, a.s., then the clearing of unlimited number of cash withdrawals in EUR from ATMs of any other bank in SR and in the monetary union by the client is free of charge. In case of new loans, this benefit will be applied from the following month, in which the client draws down at least a portion of the loan. In case of existing credits the benefit will be applied from If an average monthly balance of all client s deposits with Sberbank Slovensko, a.s., equals or is higher than 25, 000 EUR for a previous month, then maintenance of the service program Active Slušný účet or Active Prémium, Slušný účet Prémium, clearing of an unlimited number of EUR cash withdrawals from ATMs of other banks in the Slovak Republic and in the Monetary Union shall be free of charge for the client in a following month. This benefit shall be valid for the service programmes Active, Active Prémium, VeBkonto, Slušný účet, Slušný účet Prémium opened after 1st November The benefit shall be applied for the first time from a month, when a client has opened the service programme Active / Active Prémium / VeBkonto / Slušný účet / Slušný účet Prémium and has met the terms and conditions thereof. Price of EURO<26 licence for each following licence period * Slušný účet ( Fair Account ) complex service for the whole family The monthly fee includes current account with a service program for each of the spouses/partners separately ** The scope of the insurance and assistance services has been defined in the General Insurance Terms and Conditions for Current Accounts Insurance in Sberbank Slovensko, a.s. 4 Note: 1 upon fulfilment of criteria defined by the bank 2 upon fulfilment of criteria defined by the bank up to max. EUR upon fulfilment of criteria defined by the bank up to max. EUR 233

5 A. SERVICE PROGRAMMS 1. SERVICE PROGRAMS FOR NATURAL PERSONS - INDIVIDUALS môj ÚČET go 14 * môj ÚČET go 18 * môj ÚČET go 26 * 0,00 0,00 0,00 students 1 2,49 other customers Payment frequency Monthly Monthly Monthly Current account maintenance in EUR Issuance and renewal of one Maestro TM, VISA Electron TM payment card or Bratislava City Card Electronic banking Passive Active certified operations Active certified operations Electronic account statement Cash deposits Clearing of unlimited number of domestic payments and cross-border payments in EUR, subject to special regulation within countries of the European economic area All withdrawals from ATMs of Sberbank Slovensko Clearing of unlimited number of payments through POS terminal Clearing of unlimited number of domestic and cross border payments in EUR, subject to special regulation, within countries of the European economic area through electronic banking Authorised overdraft 2 Savings account maintenance and services related to savings account use: statements, account movements apart from a transfer from savings account to current account submitted in the bank branch All Call Centre services Clearing of unlimited number of outgoing payments under standing/direct debit order SMS and notifications of executed payments Change or cancellation of all standing orders through Online banking * môjúčetgo (my Accountgo) replaces Enter products, which have been sold so far the account for the young, Index service programme and Young service programme Note: 1 Subject to confirmation of university attendance or university index confirmation with the current school year enrolment 2 Subject to performance of the criteria, set forth by the bank 5

6 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS 1. CURRENT ACCOUNTS IN EUR EUR Personal accounts Opening of account 0,00 Account maintenance 2,49 /month Surcharge for account maintenance with insurance 5,00 /quarter Closing of account 0,00 Third Age Account Opening of account 0,00 Account maintenance 0,99 /month Closing of account 0,00 Issuance and maintenance of one payment card CIRRUS/MAESTRO PayPass or VISA ELECTRON paywave or MasterCard Unembossed PayPass during its validity 0,00 Fees for transactions maximum 0,99 /month Basic banking product - 1 EUR Current account maintenance with minimum monthly balance 0,00 1 account statement by post 0,00 /month Issuance and renewal of VISA Electron international payment card 0,00 10 payment operations in a month in EUR, made by international payment card at a person that accepts payment cards 0,00 3 withdrawals from ATMs of Sberbank Slovensko in a month 0,00 /month 1 cash deposit or 1 cash withdrawal in the bank branch in a month Clearing of 3 non-cash payments in EUR through standing order, direct debit order or transfer order, submitted in the bank branch in a month 3 incoming payments in a month Transfer of account to a different branch 8,30 Account statement Delivery method In person at branch 2,00 By post (the price does not include postage according to postal fees) 0,50 Be * 0,00 Statement upon request (collected in person at branch) 10,00 Issuance of account statement older than 3 months 2,00 * deliverable only if electronic banking services are activated Informative account statement** Delivery method In person at branch monthly frequency 0,00 ** vailable only to natural persons - individuals 6 Note: Fees for account maintenance and transactions in foreign currencies are specified in attachment to the Service Fees and Charges.

7 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS 1. CURRENT ACCOUNTS IN EUR EUR Account statement SWIFT format Frequency frequency daily, or at each transaction 35,00 /month weekly 7,00 /month monthly 3,50 /month quarterly 3,50 /quarter annually 3,50 /year Other services Change in specimen signature 2,00 Cheques to account 0,10 /piece Account transaction print-out 1,00 Search for accounting document upon client s request 2,00 Blocking of account upon client s request (except savings book) 3,50 Fee for Call Centre services - personal accounts 1,70 /year Demand notes 1 st demand note sent to account holder in red numbers 10,00 2 nd demand note sent to account holder in red numbers 10,00 7

8 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS 2. SAVINGS BOOKS EUR Opening 0,00 Deposits and withdrawals c.f. Cash Services Fee for failure to observe notice period of savings book in EUR or in a foreign currency 0,25% of withdrawn amount for each unfulfilled month - if the client uses the funds to purchase participation equity certificates of the companies ING Investment Management, Volksbank Invest m. b. H. or to invest in products by Ergo Poisťovňa, a. s. 0,00 Fee for failure to observe the agreed term of deposit on capital savings book, in case of terms of: 1 month loss of interest on the withdrawn amount, payment of the principal only 3 months loss of interest on the withdrawn amount, payment of the principal only 6 months loss of interest for 45 days on the withdrawn amount 12 months loss of interest for 60 days on the withdrawn amount 24 months loss of interest for 90 days on the withdrawn amount 36 months loss of interest for 120 days on the withdrawn amount - if the client uses the funds to purchase participation equity certificates in the companies ING Investment Management, Volksbank Invest m.b.h. or to invest in products by Ergo Poisťovňa, a. s. 0,00 Cancellation 7,00 - if the client uses funds for: opening a new saving book 0,00 opening a term deposit account 0,00 opening a deposit account with period of notice 0,00 Fee related to disbursement of balances of terminated bearer deposits 10,00 Change of password 2,00 Fee for amortization proceedings 10,00 8

9 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS 3. TERM DEPOSIT ACCOUNTS EUR Opening 0,00 Maintenance 0,00 Zrušenie účtu 0,00 Fee for transaction and statement 0,00 Consequences of failure to observe the agreed term of deposit, in case of a term of* 1 month loss of interest on the withdrawn amount, payment of the principal only 2 months loss of interest on the withdrawn amount, payment of the principal only 3 months loss of interest on the withdrawn amount, payment of the principal only 5 months loss of interest for 75 days on the withdrawn amount. If the number of days is less than 75, then loss of interest for the actual number of days 6 months loss of interest for 80 days on the withdrawn amount. If the number of days is less than 80, then loss of interest for the actual number of days 9 mesiacov loss of interest for 140 days on the withdrawn amount. If the number of days is less than 140, then loss of interest for the actual number of days 12 months loss of interest for 180 days on the withdrawn amount. If the number of days is less than 180, then loss of interest for the actual number of days 13 months loss of interest for 180 days on the withdrawn amount. If the number of days is less than 180, then loss of interest for the actual number of days 24 months loss of interest for 360 days on the withdrawn principal. If the number of days is less than 360, then loss of interest for the actual number of days 36 months loss of interest for 540 days on the withdrawn sum. If the number of days is less than 540, then loss of interest for the actual number of days. This does not apply to cash withdrawal up to 25% of the current deposit value on April 1 and October 1** Sanctions for failure to observe the agreed term of deposit - if the client uses the funds to purchase participation equity certificates in ING Investment Management or to invest in products by Ergo Poisťovňa, a. s. 1 month 0,00 2 months 0,00 3 months 0,00 5 months 0,00 6 months 0,00 9 months 0,00 12 months 0,00 13 months 0,00 24 months 0,00 36 months 0,00 4. NOTICE DEPOSIT ACCOUNTS EUR Deposit accounts with a term of 7 and 14 days Opening of account 0,00 Account maintenance 0,00 Closing of account 0,00 Fee for transaction and statement 0,00 Fee for failure to observe the term Deposit account with a term of 3 months Opening of account 0,00 Account maintenance 0,00 Closing of account 0,00 Fee for transaction and statement 0,00 Fee for failure to observe the term 0,50% of withdrawn amount *Fee (sanctions) for a failure to observe the agreed term of deposit. *Note: If that day falls on a bank holiday or public holiday, this exception applies to the immediately following working day. pre-term withdrawal is not possible 9

10 B. CURRENT ACCOUNTS AND DEPOSIT PRODUCTS MINIMUM DEPOSITS AND BALANCES EUR EUR FOR EUR-DENOMINATED ACCOUNTS Minimum deposit Minimum balance Types of accounts Natural persons individuals Natural persons individuals Current account and service programmes for citizens 10,00 10,00 môjúčetdomov (my Account home) 0,00 10,00 Third age account 10,00 0,00 môjúčetgo (my Account go) 0,00 10,00 Passbooks 10,00 10,00 Foreign exchange passbooks 34,00 34,00 Capital passbooks 166,00 166,00 Term deposits 0,00 0,00 Notice deposit accounts 0,00 0,00 10

11 C. PAYMENTS 1. CASH SERVICES EUR Processing of undamaged coins exceeding 100 pieces in their exchange for banknotes or coins of other nominal values min. 1,00 2% of the total amount Processing of undamaged banknotes in their exchange for banknotes or coins of different nominal values, more than 10 pcs. of given or received banknotes or coins min. 1,00 1% of the total amount Sale of collector coins, coin sets and medals 10% of the purchase price Account deposit of more than 100 EUR coins, in a nominal value of 0,01 0,5 EUR 0,50 for every, even if incomplete, 100 pieces of coins, except the first 100 pieces Account deposit of EUR coins, in a nominal value of EUR 1 and 2 coins, of more than 100 pieces 1,00 for every, even if incomplete, 100 pieces of coins, except the first 100 pieces Non-execution of an announced cash withdrawal 0,1 % of the advised amount Cash deposit in EUR and subsequent domestic transfer based on an agreement on a one-time payment service min. 3,50 2% of the deposited amount Cash deposit through Night Safe Monthly flat fee 6,00 Cash processing per cassette 0,50 Replacement for lost or damaged cassette, or for the key to the cassette actual costs EUR accounts EUR deposit* 0,60 EUR withdrawal 1,90 Cash deposit to selected accounts of legal persons (fee is charged to depositor) 1,00 Deposit in foreign currency* 0,60 Deposit in legal tenders of EMU member states see banknotes in preclusion period Withdrawal in foreign currency 1,90 Passbook deposit, passbook withdrawal 0,00 Foreign exchange accounts Deposit in the account currency* 0,60 Withdrawal in the account currency 1,90 Deposit in legal tenders of EMU member states see banknotes in preclusion period Deposit in foreign currency other than that of the account 0,60 / rate of exchange CP:FES Withdrawal in foreign currency other than that of the account* 1,90 / rate of exchange FEP:CS Deposit in EUR* + 1 % of deposit amount 0,60 /rate of exchange FES Withdrawal in EUR 1,90 /rate of exchange FEP * Section 8. General provisions, page 1. 11

12 C. PAYMENTS 2. EXCHANGE SERVICES EUR Purchase of foreign currencies Purchase of foreign currencies rate of exchange CP Purchase of foreign currencies in Polus City Center, Aupark Bratislava Shopping Center and ZOC Max Nitra 2 % of the purchased amount, rate of exch. CP, min. 1,66 Purchase of foreign currencies - damaged and precluded banknotes (applicable also to account deposit) - USD 10 %, rate of exchange CP - other currencies (Bank does not buy EMU legal tenders 5 %, rate of exchange CP Sale of foreign currencies Sale of foreign currencies 1 %, rate of exchange CS Conversion of foreign currencies See Purchase/Sale of foreign currencies Purchase of foreign exchange Traveller s cheques 1 % of cheque value, rate of exchange FEP, min. 8,30 plus 0,50 / cheque Rates of exchange: All exchange rates are foreign currency rates of Sberbank Slovensko, a. s.: CS = currency sale, CP = currency purchase, FES = foreign exchange sale, FEP = foreign exchange purchase. A specific rate of exchange shall apply to transactions exceeding EUR (or equivalent) subject to conditions on the monetary and foreign exchange market and it shall be specified by Treasury division of Sberbank Slovensko, a. s. FC Foreign Currency EMU legal tenders: ATS, BEF, DEM, ESP, FIM, FRF, IEP, ITL, LUF, NLG, PTE, GRD 12

13 C. PAYMENTS 3. DOMESTIC PAYMENTS EUR Domestic transfer in EUR and intra-bank transfer executed on the basis of: 1. electronic order 0,17 2. payment order on standardized form of Sberbank Slovensko, a.s. 1,20 3. payment order on other forms 1,20 4. standing order 0,17 5. direct debit order 0,17 RTGS-payment (originally priority/accelerated payment)* 50,00 Incoming domestic payment in EUR 0,17 Setting up a standing order 0,00 Change in a standing order 1,00 Change in a standing order through e-banking 0,50 Cancellation of a standing order 2,00 Cancellation of a standing order through e-banking 0,50 Setting up a permission to direct debit from account 0,00 Change in the permission to direct debit from account 1,00 Cancellation of permission to direct debit from account 2,00 Processing of application to recover payment 3,50 Processing of application for identification of payment 3,50 Charge for processing of a payment order domestic payment from an account maintained in EUR by fax or telephone 1,99 Calling off of payment order at the customer s request 2,00 Notification of rejection of payment order or of order for collection 2,00 Complaints 0,00 * payment in EUR cleared in real time through the TARGET2 payment system 13

14 C. PAYMENTS 4. FOREIGN PAYMENTS EUR Cross-border payments (outgoing payments) Separately regulated cross-border transfer* executed on the basis of: electronic order or standing order 0,17 paper-based payment order 1,20 payments in favour customers of Sberbank CZ 2,50 Sberbank-payment in RUB, EUR, USD** 9,90 transfer executed through TARGET2 50,00 transfer through SEPA direct debit 0,17 Other cross-border payments on the basis of electronic payment order or standing order up to EUR ,00 from EUR 300,01 to ,00 from EUR 2000,01 to ,00 from EUR 15000,01 to ,00 over EUR 30000,01 45,00 Other cross-border payments on the basis of paper-based payment order up to EUR ,00 from EUR 300,01 to ,00 from EUR 2000,01 to ,00 from EUR 15000,01 to ,00 over EUR 30000,01 50,00 Payment by cheque 0,5%, min. 10,00 max. 50,00 Extra charge for non-compliance with STP criteria 15,00 Extra charge for urgent processing of Sberbank payment 10,00 Extra charge for urgent payment processing 16,60 Extra charge for express transfer (with D+0 value date)*** 35,00 Extra charge for transfer with OUR instruction for payment of charges 1%, min. 10,00 max. 50,00 Setup of standing order 0,00 Change in standing order 1,00 Cancellation of standing order 2,00 */ Separately regulated cross-border transfer of funds in EUR within the EU and EEA countries with the following mandatory data: recipient s account number structured as follows: IBAN, BIC/SWIFT code of the recipient s bank, foreign bank charges will be borne by the recipient SHA. **/Payment in RUB, EUR, USD in favour of clients of Sberbank Russia. ***/ Possible only if previously consulted with the bank, with respect to individually defined conditions. 14

15 C. PAYMENTS 4. FOREIGN PAYMENTS EUR Payments from abroad (incoming payments) separately regulated transfer in favour of customers of Sberbank Slovensko, a.s. 0,17 Sberbank- payment in favour of clients of Sberbank Slovensko a.s. * 0,10 other transfers in favour of customers of Sberbank Slovensko, a.s. 0,30 Payment refund due to incorrect/incomplete data 25,00 Cancellation of payment order at customer s request (prior to execution of payment) 3,50 Notification of rejection of payment order 3,50 Charge for processing of application for recovery of an executed payment, clearing of refunded payment + foreign bank 20,00 Change and addition of payment data + foreign bank 20,00 Request for confirmation of executed payment + foreign bank 20,00 Issue of confirmation of payment execution in the form a copy of SWIFT message on the basis of: a request indicated directly in the payment order 15,00 an additionally delivered request 25,00 Faxing of confirmation within Slovakia 2,00 outside Slovakia - Europe 3,50 - other countries 5,00 *Payment in RUB, EUR, USD from clients of Sberbank Russia. 15

16 D. ELECTRONIC BANKING EUR Sberbank Business Online - Homebanking Acquisition fee 16,60 Service provision fee* 6,00 / monthly Sberbank Business Online - Homebanking program installation - in a branch of Sberbank Slovensko, a. s., with training 33,19 - outside a branch of Sberbank Slovensko, a. s. 43,15 banking Acquisition fee 0,00 Sberbank Online Acquisition fee 0,00 Service fee* 0,99 / month/account Fee for SMS notifications* 0,99 / month/account SIM toolkit banking. Acquisition fee 0,00 VeBpay - payment portal. Acquisition fee 0,00 Electronic banking security instruments Reissue of GRID card 1,66 Reissue of TOKEN 99,58 Blocking of funds on the account for the issued TOKEN 99,58 *This does not apply to service programs involving electronic banking services, Third Age account, ENTER Youth account, VeBkonto service, VeBkonto young and savings products. 16

17 E. PAYMENT CARDS 1. DEBIT CARDS a) Electronic payment cards Maestro Visa Electron Bratislavská mestská karta Card validity 3 years 3 years 3 years Card issuance / maintenance during its validity 8,00 / year 8,00 / year 8,00 / year (card issuance and the first annual fee 0 EUR) Electronic payment card services Change of limit 3,50 3,50 3,50 Re-generation of PIN 3,50 3,50 3,50 Issue of replacing card after a preceding blockage ( loss, theft ) 8,00 8,00 8,00 Issuance of substitute card if damaged 8,00 8,00 8,00 Change of PIN at ATM 3,50 3,50 3,50 Fee for blocking of card 0,00 0,00 0,00 Cancellation of card 0,00 0,00 0,00 Issuance of monthly ATM/POS transaction statement 1,00 1,00 1,00 Repeated print-out of a monthly statement of ATM/POS transactions 1,00 1,00 1,00 Cash withdrawal in EUR from ATMs Sberbank Slovensko, a.s. 0,50 0,50 0,50 of another bank in SR and abroad 1,50 1,50 1,50 Cash withdrawal in a currency other than EUR from ATMs abroad 5,50 5,50 5,50 Cash withdrawal in EUR (Cash Advance) at branch of the bank in SR or abroad 10,00 10,00 10,00 Cash withdrawal in a currency other than EUR (Cash Advance) at branch of the bank in SR or abroad 10,00 10,00 10,00 Cashless payment at POS 0,15 0,15 0,15 Surcharge for express issuance of new card (a separate card issuance fee is charged in addition to the surcharge) Surcharge for express re-issuance of card / PIN (a separate card/pin issuance fee is charged in addition to the surcharge) 40,00 40,00 40,00 40,00 40,00 40,00 Card/PIN production and delivery within 48 hours express surcharge + express delivery costs courier + fee for card* / PIN express surcharge + express delivery costs courier + fee for card* / PIN express surcharge + express delivery costs courier + fee for card* / PIN 17

18 E. PAYMENT CARDS 1. DEBIT CARDS c) Embossed cards MasterCard Standard Visa Classic MasterCard Gold Visa Gold MasterCard Virtual Card validity 3 years 3 years 3 years 3 years 1 year Card issuance/maintenance during its validity without insurance 22,00 / year 22,00 / year 45,00 / year 45,00 / year 5,00 / year Card insurance to Ergo, a.s. individual insurance 30,80 / year 30,80 / year 40,00 / year 40,00 / year individual insurance + 3 fellow travellers 52,50 / year 52,50 / year 67,60 / year 67,60 / year Services for embossed cards Change of daily limit 3,50 3,50 3,50 3,50 3,50 Issuance of supplementary card after being blocked 10,00 10,00 45,00 45,00 5,00 Issuance of supplementary card after being damaged 10,00 10,00 10,00 10,00 Re-generation of PIN 3,50 3,50 3,50 3,50 Re-generation of card 3,50 Issuance of supplementary card in case of a stay abroad 170,00 170,00 170,00 170,00 Provision of emergency cash in case of a stay abroad (if lost, stolen) 140,00 140,00 140,00 140,00 Re-printing of monthly ATM/POS transaction statement 1,00 1,00 1,00 1,00 1,00 Change of PIN at ATM 3,50 3,50 3,50 3,50 Fee for blocking of card 0,00 0,00 0,00 0,00 0,00 Cancellation of card 0,00 0,00 0,00 0,00 0,00 Issuance of monthly ATM/POS transaction statement 1,00 1,00 1,00 1,00 1,00 Cash withdrawal in EUR from ATMs of Sberbank Slovensko, a.s. 0,50 0,50 0,50 0,50 another bank in SR and abroad 1,50 1,50 1,50 1,50 Cash withdrawal in a currency other than EUR from ATMs abroad Cash withdrawal in EUR (Cash Advance) at branch of the bank in SR or abroad Cash withdrawal in a currency other than EUR (Cash Advance) at branch of the bank in SR or abroad 5,50 5,50 5,50 5,50 10,00 10,00 10,00 10,00 10,00 10,00 10,00 10,00 Cashless payment at POS 0,15 0,15 0,15 0,15 0,00 Surcharge for express issuance of a new card (a separate card issuance fee is charged in addition to the surcharge) Surcharge for express re-issuance of card / PIN (a separate card/pin issuance fee is charged in addition to the surcharge) 40,00 40,00 40,00 40,00 40,00 40,00 40,00 40,00 40,00 40,00 Card/PIN production and delivery within 48 hours express surcharge + express deliverycosts courier + fee for card* / PIN express surcharge + express deliverycosts courier + fee for card* / PIN express surcharge + express deliverycosts courier + fee for card* / PIN express surcharge + express deliverycosts courier + fee for card* / PIN express surcharge + express deliverycosts courier + fee for card* / PIN 18

19 E. PAYMENT CARDS 2. CREDIT CARDS MasterCard Standard Card validity 3 years First issue of principal card without insurance 0,00 with individual insurance (credit card + EUR 10,46 insur.) 10,46 / year with individual insurance + 3 fellow travellers (credit card + EUR 17,76 insur.) 17,76 / year Principal card maintenance fee in the following years without insurance 8,30 / year with individual insurance (credit card + EUR 10,46 insur.) 18,76 / year with individual insurance + 3 fellow travellers (credit card + EUR 17,76 insur.) 26,06 / year First issue of additional card without insurance 3,00 with individual insurance (credit card + EUR 10,46 insur.) 10,46 / year with individual insurance + 3 fellow travellers (credit card + EUR 17,76 insur.) 17,76 / year Additional card in the following years without insurance 3,00 with individual insurance (credit card + EUR 10,46 insur.) 13,46 / year with individual insurance + 3 fellow travellers (credit card + EUR 17,76 insur.) 20,76 / year Fees related to account opening and maintenance opening of an account to the credit card 0,00 monthly account maintenance fee 0,83 Services to credit cards Card blocking 0,00 Change in credit limit 3,50 Cancellation of card (before renewal) 0,00 Fee for monthly statement delivery 0,00 Issue of supplementary statement 3,50 Issuance of confirmation upon the client s request 15,00 Past-due payment reminder 10,00 Temporary blocking of card due to non-repayment of due amount 35,00 PIN re-generation 3,50 Change of PIN at ATM 3,50 Issue of substitute card (upon damage, loss, theft) 8,30 MasterCard Global Service: a) Issue of substitute card during stay outside Slovakia 170,00 b) Provision of emergency cash during stay outside Slovakia (in case of loss, theft) 140,00 Express credit card issuance fee 40,00 + poplatok za kartu Fees for payments at POS 0,00 Monthly fee for transactions performed by the credit card 0,00 Monthly fee for performance of 100% collection 1,00 Cash withdrawal from ATMs of Sberbank Slovensko, a.s. 5,00 another bank in SR or abroad 2% of withdrawn amount, min. 5,00 Cash withdrawal in a bank, exchange office in SR or abroad 2% of withdrawn amount, min. 10,00 Sending of card to a different branch as requested by the client 0,00 3. CHARGE KARTY Fees related to the issuance and use of Diners Club cards are charged according to the valid Fees and Charges of Diners Club CS, s. r. o. 19

20 F. CREDITS 1. CREDITS SECURED BY REAL PROPERTY EUR Consulting 0,00 Letter of Intent 0,00 Real estate appraisal by the bank flats 100,00 Credit Application processing credit amount. fee 0.80 % of credit amount, minimally 165 EUR Benefit reduction of the loan application processing fees - 15 % fee reduction upon acquisition of Active Service Program including a savings account and a standing order of a minimum amount of EUR 20 per month in favour of the savings account - 15 % fee reduction upon getting insurance of the pledged real estate by Ergo Poisťovňa, a.s % fee reduction if the proportion of the loan amount to the collateral value is less than 50% Fee for credit increase 33,19 Fee for changes to credit terms and conditions initiated by the client (i. e. fee for production of each annex to the credit agreement and to agreements, relating hereto) 140,00 Credit account maintenance and administration fee (on instalment date and loan repayment date) 0,00 Fee for re-assessment of the credit interest rate upon the client s request, other than on the anniversary of interest rate fixing* 50,00 Fee for real estate insurance to the credit 50,00 Secured by apartment % of real estate value, set forth by the bank Secured by house or by cottage % of real estate value, set forth by the bank * Does not apply to the client s request received within 30 days after the production of a notification of a change of the interest rate in connection with the expiration of the fixed period and determination of an interest rate for the following period. 20

21 F. CREDITS 1. CREDITS SECURED BY REAL ESTATE EUR Other services: Reminders of failure to pay amount due 1 st demand note - for failure to pay amount due 25,00 2 nd demand note - for failure to pay amount due 25,00 3 rd demand note - for failure to pay amount due 25,00 Call for fulfilment of obligations under loan agreement 10,00 / for issuing Loan prepayment fee Payable prior to loan prepayment 4 % of prepaid amount As at date of interest rate fixation or changed interest rate upon the bank s request 0,00 Fee for failure to draw down the credit (in full) 2% of the undrawn credit amount (due on the day following the expiry of credit drawdown period). max. 700,00 Fee for extraordinary instalment of credit principal. (This does no apply to extraordinary instalments up to 20% of credit amount agreed directly in the credit agreement) 4 % of prepaid amount Note: Late charges on outstanding principal is agreed in loan contract or its supplement. Fee for issuance of written confirmation of waiver of lien, or issuance of quittance or notification of termination of contractual relationship upon repayment of credit 15,00 / per document Fee for issuance of assent to establishing another lien (in favour of another creditor) or issuance of declaration of mortgagee 15,00 / per document Fee for issuance of credit confirmation 15,00 / per document Fee for express issuance of credit confirmation (up to 3 business days) 80,00 / per document 21

22 F. CREDITS 2. CONSUMER CREDITS EUR CONSUMER CREDIT Fee for the provision of a credit 2% of the credit amount, min. 40,00 Credit account maintenance fee 0,00 /month CONSUMER CREDIT FOR UNIVERSITY STUDIES Fee for the provision of a credit 0,00 Credit account maintenance fee 0,00 AUTHORIZED OVERDRAFT Fee for the provision of a credit 1,8% of the credit amount, min. 6,64 OTHER FEES For the preparation of a supplement for change in contractual terms: - change in the credit amount 1% of the difference between the new and previous credit amount, min.. 35,00 - other changes upon the client s request 55,00 Application for extraordinary consumer loan instalment with remaining loan maturity exceeding 1 year (for contracts signed after ) Application for extraordinary consumer loan instalment with remaining loan maturity of 1 year and less (for contracts signed after ) 1% of the extraordinary instalment 0,5% of the extraordinary instalment Application for prepayment of consumer loan with remaining loan maturity over 1 year (for contracts signed after ) 1% of the prepaid amount Application for prepayment of consumer loan with remaining maturity of 1 year and less (for contracts signed after ) 0,5% of the prepaid amount Contract on debt assumption 35,00 Issuance of a confirmation upon the client s request 15,00 Other services: Demands of due payment of consumer credit (CC), CC for university studies, CC for building saving: 1 st demand of payment due 20,00 2 nd demand of payment due 20,00 Demands of due payment of CC for the purchase of an automobile: 1 st demand of payment due 20,00 2 nd demand of payment due 20,00 3 rd demand of payment due 20,00 Demands authorized overdraft 1 st demand of payment due 12,50 2 nd demand of payment due 12,50 22

23 G. SECURITIES 1. ARRANGEMENT OF PURCHASE/SALE OF SECURITIES EUR 1.1 Arrangement of purchase or sale of securities1 a/ up to EUR ,96 1,30 % b/ from EUR ,97 to EUR ,92 1,10 % c/ from EUR ,93 to EUR ,76 0,80 % d/ from EUR ,77 to EUR ,19 0,60 % e/ over EUR ,20 0,50 % Minimum fee for mediation of transaction - BCPB (domestic shares) min. 16,60 - foreign shares min. 66,39 Fee for mediation of transaction, which is kept by Sberbank Slovensko, a. s. - for domestic shares from 85% up to 98% of fee in article 1.1 letters a - e - for foreign shares from 71% up to 76% of fee in article 1.1 letters a e 1.2 Arrangement of purchase or sale of bonds 1, 2 a/ up to EUR ,96 0,50 % b/ from EUR ,97 to EUR ,92 0,40 % c/ from EUR ,93 to EUR ,76 0,35 % d/ from EUR ,77 to EUR ,19 0,30 % e/ over EUR ,20 0,25 % Minimum fee for mediation of transaction - domestic bonds min. 16,60 - foreign bonds min. 66,39 Fee for mediation of transaction, which is kept by Sberbank Slovensko, a. s. - for domestic bonds from 66% up to 98% of fee in article 1.2 letters a - e - for foreign bonds from 0,2% up to 72% of fee in article 1.2 letters a e 1) Volume of transaction realized within one day with securities of the same issue (identical ISIN) 2) Volume of transaction does not include the aliquot interest yield. 23

24 G. SECURITIES 1. ARRANGEMENT OF PURCHASE/SALE OF SECURITIES EUR 1.3 Arrangement of purchase or sale of foreign open mutual funds Volksbank Invest mutual funds Minimum initial fee 0,00 % Maximum initial fees Amount invested from EUR 1000 VB-Dollar-Rent (in USD) 3,00 % VB Europa-Rent 3,00 % VB Corporate-Bond 3,00 % VB-GoEast-Bond 3,00 % Premium-Evolution 25 3,50 % VB Amerika-Invest 5,00 % VB Europa-Invest 5,00 % VB Pacific-Invest 5,00 % VB-Dividend-Invest 5,00 % VB GoEast-Invest 4,00 % VB-Interbond 3,00 % Premium-Evolution 50 3,50 % VB Premium-Evolution 100 3,50 % VB BestSector-Invest 5,00 % Fee for mediation of purchase of mutual funds, which is kept by VOLKSBANK Slovensko, a. s. 100% of fee transaction fee (or transaction fee in USD based on exchange rate specified by depository) 7,50 /ISIN Minimum transition fee 0,00 % Maximum transition fee 5,00 % Fee for mediation of transfer between mutual funds, which is kept by Sberbank Slovensko, a. s. 100% of fee - transaction fee 7,50 /ISIN Administration fee, charged by management company VB-Dollar-Rent (in USD) part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Europa-Rent part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Corporate-Bond part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB-GoEast-Bond part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) Premium-Evolution 25 part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Amerika-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Europa-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Pacific-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB-Dividend-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB GoEast-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB-Interbond part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) Premium-Evolution 50 part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB Premium-Evolution 100 part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) VB BestSector-Invest part of the fee which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) 0,50 % p.a. 0,10 % p.a. 0,50 % p.a. 0,20 % p.a. 0,75 % p.a. 0,30 % p.a. 0,75 % p.a. 0,25 % p.a. 0,75 % p.a. 0,25 % p.a. 1,50 % p.a. 0,55 % p.a. 1,50 % p.a. 0,55 % p.a. 1,50 % p.a. 0,55 % p.a. 1,50 % p.a. 0,55 % p.a. 2,00 % p.a. 0,75 % p.a. 0,50 % p.a. 0,20 % p.a. 1,00 % p.a. 0,30 % p.a. 1,50 % p.a. 0,55 % p.a. 1,80 % p.a. 0,55 % p.a. Exit fee 0,00 ING IM mutual funds Minimum initial fee 0,00 % Maximum initial fees ) The initial fee is determined as the product of the amount invested and the specified fee percentage, as allocated to the given fund type and the investment amount. The amount invested is the actual net investment amount (i.e. after deduction of the initial fee).

25 G. SECURITIES 1. ARRANGEMENT OF PURCHASE/SALE OF SECURITIES EUR ING (L) Flex Slovensky dlhopisovy fond (ING Flex Slovak Bond) from EUR to ,90 % from EUR to ,70 % from EUR 15,000 to 29,999 2,50 % over EUR ,30 % ING Visegrádsky akciový fond (ING Visegrad equity fund) from EUR to ,90 % from EUR to ,60 % from EUR to ,30 % over EUR ,00 % Fee for mediation of purchase of mutual funds which is kept by Sberbank Slovensko, a. s. 100% of fee Minimum transfer fee 0,00 % Maximum transfer fee 3,90 % It is determined as initial fee for the target fund minus initial fee for the initial fund. If the difference between initial fee for the target fund and initial fee for the initial fund is negative, the transfer fee is zero. Fee for mediation of transfer between mutual funds, which is kept by Sberbank Slovensko, a. s. 100% of fee Administration fee ING (L) Flex Slovenský dlhopisový fond Part of the fee, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) ING Visegrádsky akciový fond (ING Visegrad equity fund) Part of the fee, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) 0,90 % p.a. 0,45 % p.a. 2,00 % p.a. 1,00 % p.a. Exit fee 0,00 Other mutual funds Minimum initial fee 0,00 % Maximum initial fees 5,00 % Fee for mediation of purchase of mutual funds, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) 50% - 100% of fee 25

26 G. SECURITIES 1. ARRANGEMENT OF PURCHASE/SALE OF SECURITIES EUR Fees for supplementary services (applicable to ING Funds and Volksbank Invest Funds) Transfer of participation certificates 0,00 Transition of participation certificates 0,00 Blocking of participation certificates 0,00 Cancellation of blocking of participation certificates 0,00 Extraordinary asset account statement 0,00 Change of client s personal data. 0,00 Establishment of the right to use 0,00 Cancellation of the right to use 0, Fee for unrealized purchase/sale of securities 6,64 Fee for unrealized purchase/sale, which is kept by Sberbank Slovensko, a. s. 6, Arrangement of purchase/sale of structured financial instruments 0,01% až 10% of volume Fee for arrangement of purchase or sale, which is kept by Sberbank Slovensko, a. s. 2. Securities holder s and administration account (bonds, shares, participation certificates, other securities) 0,01% až 10% of volume 2.1 Opening, closing of securities account 0, Opening of an owner s account on the level of Central Depository of Securities (CDCP) + CDCP fee + VAT 33, Administration of securities from the market value of securities on the day of the fee calculation Slovak securities (CDCP) over EUR ,38 Administration fee, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) Foreign bonds Administration fee, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) Foreign shares, participation certificates Administration fee, which is kept by Sberbank Slovensko, a. s. (Remuneration for distribution of mutual funds) 0,10% p.a. + VAT 0,05% p.a. + VAT from 80% to 93% of fee for Slovak securities 0,20% p.a. + VAT from 70% to 85% of fee for Foreign bonds 0,30% p.a. + VAT from 75% to 85% of fee for Foreign shares Minimum fee for administration of securities 16,60 Administration of participation certificates in ING IM and Volksbank Invest Funds 4 0,00 Crediting yields (vouchers, dividends, etc.) +third party expenses in full 5 0,00 3) The initial fee is determined as the product of the amount invested and the specified fee percentage, as allocated to the given fund type and the investment amount. The amount invested is the actual net investment amount (i.e. after deduction of the initial fee). 4) Except administration fee charged by the administration company. 5) Third party expenses may be subject to VAT. 26

27 G. SECURITIES 1. ARRANGEMENT OF PURCHASE/SALE OF SECURITIES EUR 3. Statements of securities asset account Balance statement at the end of calendar year 0,00 Movement statement (after each transaction) 0,00 Extraordinary statement (at request) 1,66 + VAT 4. Transactions with securities Transaction fee 3,32 ISIN + third party expenses in full5 + VAT Transaction fee, which is kept by Sberbank Slovensko, a.s. 3,32 /ISIN 5. Other services. Transfer of securities 16,60 Transition of securities 33,19 Services related to Central Depository of Securities (CDCP) subject to agreement + CDCP fees + VAT ISIN + third party expenses in full5 + VAT ISIN + third party expenses in full5 + VAT 6. Securities derivatives Fee/margin for mediation of stock index futures Fee/margin for mediation of futures that is kept by Sberbank Slovensko, a. s. min. max. min. max. 6,64 39,83 4,48 18,26 /contract /contract /contract /contract 7. Currency derivatives Fee/margin for execution of transaction 0-5% Fee/margin for execution of transaction, which is kept by Sberbank Slovensko, a. s. 0-5% 8. Interest rate derivatives Fee/margin for execution of transaction 0-1% Fee/margin for execution of transaction, which is kept by Sberbank Slovensko, a. s. 0-1% 9. Commodity derivatives Fee/margin for execution of transaction 0-5% Fee/margin for execution of transaction, which is kept by Sberbank Slovensko, a. s. 0-5% 5) Third party expenses may be subject to VAT. 27

28 H. SAFE-KEEPING SERVICES 1. SAFE DEPOSITS EUR EUR Insured amount 3320, ,00 6x32x47 cm - yearly rent including insurance ** 42,00 123,00 8x32x47 cm - yearly rent including insurance ** 54,00 135,00 12x32x47 cm - yearly rent including insurance ** 66,00 147,00 16x32x47 cm - yearly rent including insurance ** 78,00 159,00 22x32x47 cm - yearly rent including insurance ** 96,00 177,00 30x32x47 cm - yearly rent including insurance ** 108,00 189,00 Additional insurance (from 3320,00 EUR to 33200,00 EUR) 81,00/year aliquot part (x*/12) of the Rent in the first calendar year yearly rent including insurance Deposit for 2 keys to safe deposit 100,00 100,00 * x = the number of months, including any incomplete ones, during which the safe deposit is rented by the client. ** (including VAT) 28

29 CH. OTHER SERVICES 1. OTHER SERVICES EUR Other services Blocking of funds on the client s account at the client s request 100,00 Blocking followed by payment of funds for payment of a purchase price of real property (including VAT) 0,25 % min. max. 120,00 350,00 Drafting of non-standard contractual documentation in a foreign language 33,19 / 1 page Preparation of an expert opinion of the pledged property by internal appraiser min. 300,00 Other services not included in the Service Fes and Charges exceeding 15 minutes of work 16,60 / 1 hour Document photocopies (including VAT) 0,33 / 1 page In case of an affected person s request within the meaning of Article 21 (2) of Act No. 428/2002 Coll. On Personal Data Protection, the Bank shall charge appropriate costs connected with the production of copies, provision of technical carriers and delivery of information to the applicant. Distraint-related fees Blocking of the relevant amount 3,32 2. CERTIFICATES, CONFIRMATIONS AND REFERENCES Certificates, confirmations and references Confirmation of executed payment 3,50 Confirmation of the account balance at the request of the client 3,50 Issuance of security for slot machines at the client s request (per confirmation) 10,00 Issuance of a confirmation of the extent of business relationships for external auditors (including VAT) 80,00 Issuance of a confirmation of the extent of business relationships (for public tenders, for business partners, etc., including VAT) 35,00 Reimbursement of expenses for provision of a report to court, notary public commissioned by the court, court distrainer, trustee and interim trustee in rendering assistance pursuant to the Banking Act (including VAT) 35,00 Provision of reports about credit interest rates for purposes of legal proceedings to parties to the proceedings and/or for other purposes (including VAT). min. max. 16,60 66,40 Fee for generating a copy, excerpt or confirmation from an archived document (incl. VAT) 2,00 Other confirmation issued at the client s request min. 15,00 29

30 Fees in foreign currencies Currency Exchange rate EUR SKK 30,126 USD 1,400 GBP 0,900 CZK 25,000 JPY 118,000 CHF 1,400 CAD 1,480 AUD 1,480 DKK 7,770 HUF 285,000 SEK 9,700 NOK 8,500 PLN 4,100 RUB 39,880 Account maintenance personal/monthly 2,49 75,01 3,49 2,24 62,25 293,00 3,49 3,69 3,69 19,35 709,65 24,15 21,17 10,21 99,30 Call Centre for personal 1,70 51,21 2,38 1,53 42,50 200,00 2,38 2,52 2,52 13,21 484,50 16,49 14,45 6,97 67,80 accounts Fee for clearing account of Volksbank Invest mutual funds annually 13,50 Account cancellation fees personal 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 fee for cancellation of passbook Minimum balance 7,00 210,88 9,80 6,30 175,00 826,00 9,80 10,36 10,36 54, ,00 67,90 59,50 28,70 279,16 personal 10,00 301,26 14,00 9,00 250, ,00 14,00 15,00 15,00 78, ,00 97,00 85,00 41,00 399,00 Account statement in person 2,00 60,25 2,80 1,80 50,00 236,00 2,80 2,96 2,96 15,54 570,00 19,40 17,00 8,20 79,76 by mail (price includes postage of EUR 0.45) notification of rejection of order for payment or order for collection Transactions domestic payment and separately regulated crossborder payment in EUR within EEA via e-banking 0,95 28,62 1,33 0,86 23,75 112,00 1,33 1,41 1,41 7,38 270,75 9,22 8,08 3,90 37,89 2,00 60,25 2,80 1,80 50,00 236,00 2,80 2,96 2,96 15,54 570,00 19,40 17,00 8,20 79,76 0,17 5,12 0,24 0,15 4,25 20,00 0,24 0,25 0,25 1,32 48,45 1,65 1,45 0,70 6,78 incoming payments 0,17 5,12 0,24 0,15 4,25 20,00 0,24 0,25 0,25 1,32 48,45 1,65 1,45 0,70 6,78 cash transaction deposit 0,60 18,08 0,84 0,54 15,00 70,00 0,84 0,89 0,89 4,66 171,00 5,82 5,10 2,46 23,93 cash transaction withdrawal 1,90 57,24 2,66 1,71 47,50 224,00 2,66 2,81 2,81 14,75 541,50 18,43 16,15 7,79 75,77 POS payment 0,15 4,52 0,21 0,14 3,75 17,00 0,21 0,22 0,22 1,17 42,75 1,46 1,28 0,62 5,98 EUR cash withdrawal from ATM of VOLKSBANK Slovensko, a.s. EUR cash withdrawal from ATM of other banks in SR and abroad cash withdrawal in currency other than EUR from ATM abroad 0,50 15,06 0,70 0,45 12,50 59,00 0,70 0,74 0,74 3,89 142,50 4,85 4,25 2,05 19,94 1,50 45,19 2,10 1,35 37,50 177,00 2,10 2,22 2,22 11,66 427,50 14,55 12,75 6,15 59,82 5,50 165,69 7,70 4,95 137,50 649,00 7,70 8,14 8,14 42, ,50 53,35 46,75 22,55 219,34 Sberbank Online fee 0,99 29,82 1,39 0,89 24,75 116,00 1,39 1,47 1,47 7,69 282,15 9,60 8,42 4,06 39,48 In debiting other fees, listed in Service Fees and Charges, against foreign exchange accounts (except for fees for in-house transfers in a foreign currency, in-house transfers with conversion and cross-border payments), the above exchange rates of foreign currencies shall be used. 30 Note: EEA = European Economic Area

31 PRODUCTS NO LONGER PROVIDED BY THE BANK 1. SERVICE PROGRAMS FOR NATURAL PERSONS INDIVIDUALS EUR Complete maintenance of EUR-denominated current account without minimum balance issue of one account statement monthly or quarterly or twice per year or annually and its delivery by , or post within Slovakia, or to be picked up in person issue and maintenance of one international payment Cirrus/Maestro PayPass or VISA Electron card or MasterCard PayPass for the account holder issue and maintenance of one international payment Eurocard/MasterCard Standard card excl. insurance or VISA Classic card, excl. insurance, for the account holder during its validity account overdraft facility 3 2x a month fee for a change in standing order for payment by means of electronic banking electronic banking services Call Centre services clearing of an unlimited number of domestic and separately regulated cross-border payments in EUR within the EEA countries via electronic banking clearing of an unlimited number of incoming domestic payments and separately regulated cross-border payments in EUR within the EEA countries clearing of an unlimited number of outgoing payments through a standing/collection order clearing of an unlimited number of cash deposits clearing of an unlimited number of payments by means of POS terminal clearing of an unlimited number of withdrawals from ATM of Sberbank Slovensko, a. s. maintenance of a savings account with related services: account statements, transaction charge on the account except for transfer from the savings account to the owner s current account submitted at the Bank s branches 4,99 / month* Benefit of Complete service program If the average monthly balance on the savings account for the previous month exceeds EUR 4 979,09, then the maintenance of the Active, Complete or VeBkonto program in the following month is free of charge. Note: Since August 1,2010, the Bank does not provide Complete. Index extra* maintenance of EUR-denominated current account with minimum balance issue of one account statement monthly or quarterly or twice per year or annually and its delivery by , or post within Slovakia, or to be picked up in person the initial issue of ISIC card with Sberbank Slovensko, a. s., payment functionality - Cirrus/Maestro PayPass (hereinafter referred to as MULTIPASS ) the initial annual ISIC subscription fee in the first year upon the issue of MULTIPASS 2x a month fee for a change in standing order for payment by means of electronic banking electronic banking services Call Centre services clearing of an unlimited number of domestic and separately regulated cross-border payments in EUR within the EEA countries via electronic banking clearing of an unlimited number of incoming domestic and separately regulated cross-border payments in EUR within the EEA countries possibility of account overdraft facility 4 clearing of all withdrawals from ATMs of Sberbank Slovensko, a. s. 0,00 / month Note: Since June 1, 2010, the Bank does not provide Index extra 31

32 PRODUCTS NO LONGER PROVIDED BY THE BANK 1. SERVICE PROGRAMS FOR NATURAL PERSONS - INDIVIDUALS VeBkonto VeBkonto young Index Young 4,99 2,49 0,00 2,49 Payment frequency Monthly Monthly Monthly Monthly Maintenance of current account v EUR without minimum balance Monthly, or quarterly, or bi-annual, or annual account statement and its delivery per om, or post in SR, or to be collected in person Issuance and maintenance of one international payment card Cirrus/Maestro PayPass or VISA ELECTRON paywave or MasterCard Unembossed PayPass or Bratislavská mestská karta for account holder during its validity MasterCard Unembossed PayPass EURO <26 with expected fee for the first licence period for EURO <26 or Bratislavská mestská karta Provision of authorized overdraft 2 2 2x per month fee for change in standing order for payment via electronic banking 1 1 Electronic banking services (apart from Sberbank Business Online - Homebanking and Multicash) Call centre services Clearing of unlimited number of domestic and separately regulated cross-border payments in EUR within the EEA countries via electronic banking Clearing of unlimited number of incoming domestic payments and separately regulated cross-border payments in EUR within the EEA countries Clearing of unlimited number of outgoing payments by standing/direct debit order Clearing of an unlimited number of cash deposits Clearing of an unlimited number of payments via POS terminal Clearing of an unlimited number of withdrawals from ATMs of Sberbank Slovensko, a. s. Maintenance of a savings account and services related to its use: account statements, clearing of transactions except transfers from the savings account to the owner s current account submitted at the Bank s branch ENTER account for young Account opening 3,50 Account maintenance 0,00 Account cancellation 0,00 Issuance and maintenance of one payment card CIRRUS/MAESTRO PayPass or VISA ELECTRON paywawe or MasterCard Unembossed PayPass EURO <26 during period of its validity, fee for the first license period of EURO <26, withdrawal from ATMs of Sberbank Slovensko a. s., payment at vendor through POS terminal, changed payment cards limits Unembossed PayPass EURO <2 Fee for EURO license <26 for further license period 10,00 Benefit of Service Programs Active, VeBkonto, Fair Account If the average monthly balance on the savings account for the previous month exceeds EUR 4979,09, then the maintenance of the Service Program Active and/or Vebkonto, Slušný účet in the following month is free of charge. If the Active /Slušný účet Service Program is the account from which the Bank collects monthly instalments of a loan granted by Sberbank Slovensko, a.s., then the clearing of unlimited number of cash withdrawals in EUR from ATMs of any other bank in SR and in the monetary union by the client is free of charge. In case of new loans, this benefit will be applied from the following month, in which the client draws down at least a portion of the loan. In case of existing credits the benefit will be applied from If an average monthly balance of all client s deposits with Sberbank Slovensko, a.s., equals or is higher than 25, 000 EUR for a previous month, then maintenance of the service programme Active / VeBkonto / Decent Account, clearing of an unlimited number of EUR cash withdrawals from ATMs of other banks in the Slovak Republic and in the Monetary Union shall be free of charge for the client in a following month. This benefit shall be valid for the service programmes Active, VeBkonto, Decent Account, opened after 1st November The benefit shall be applied for the first time from a month, when a client has opened the service programme Active / VeBkonto / Decent Account and has met the terms and conditions thereof. 0,00 Price of EURO<26 licence for each following licence period 10/year * Slušný účet ( Fair Account ) complex service for the whole family The monthly fee includes current account with a service program for each of the spouses/partners separately 32 Note: 1 upon fulfilment of criteria defined by the bank up to max. EUR upon fulfilment of criteria defined by the bank up to max. EUR upon fulfilment of criteria defined by the bank up to max. EUR 233

33 PRODUCTS NO LONGER PROVIDED BY THE BANK VOLKSBANK GARANT V. EUR Principal account Opening of account 0,00 Account maintenance 0,00 Cancellation of account 0,00 Fee for transaction and account statement 0,00 Fee for failure to observe the agreed term of deposit 3% of the principal for each breached year of the basic term of deposit Account for administration of interest Opening of account 0,00 Account maintenance 0,00 Cancellation of account 0,00 VOLKSBANK GARANT VI. and VOLKSBANK GARANT VII. EUR Principal account Opening of account 0,00 Account maintenance 0,00 Cancellation of account 0,00 Fee for transaction and account statement 0,00 Fee for failure to observe the agreed term of deposit 2,5% of the principal for each breached year of the basic term of deposit Account for administration of interest Opening of account 0,00 Account maintenance 0,00 Cancellation of account 0,00 DUAL GARANT EUR Term deposit account Opening an account 0,00 Account maintenance 0,00 Account cancellation 0,00 Fee for transaction and account statement 0,00 Fee for non-observance of contractual deposit term loss of interest from the withdrawn amount for 60 days. Should the number of days be less than 60, then loss of interest for the actual number of days. Internal account Opening of account 0,00 Account maintenance 0,00 Account cancellation 0,00 Security paper Purchase of securities 0,60% of investment Sale of securities 0,60% of the value of sold securities Payment of the nominal value of securities 0,00 33 Note: The above terms and conditions apply unless agreed otherwise.

34 PRODUCTS NO LONGER PROVIDED BY THE BANK SERVICE PROGRAMS FOR NATURAL PERSONS - INDIVIDUALS EUR Basic bank product: acquisition, maintenance and cancellation of EUR-denominated current account without minimum balance issue and maintenance of one VISA Electron international payment card for the account holder during its validity provision of electronic banking services provision of payment operations in the following extent: - an unlimited number of payment operations and separately regulated cross-border payments in EUR executed by means of electronic banking services within the European Economic Area - an unlimited number of payment operations in EUR carried out by a debit payment card within the European Economic Area at POS that accepts debit payment cards - 3 cash payment operations and an unlimited number of cashless payment operations monthly in EUR, carried out by a debit payment card through ATMs of Sberbank Slovensko, a.s - 1 cash payment operation monthly (cash deposit or cash withdrawal) at bank branch - 3 cashless payment operations or separately regulated cross-border payments in EUR monthly within the European Economic Area, carried out at bank branch PAYMENT CARDS 4,50 /monthly EUR YOUTH CARDS MULTIPAS - multi-function student card with payment function (only to Index Extra service program since issued no more) VISA CLASSIC, GOLD - charge cards issued by Österreichische Volksbanken AG and VISA - AUSTRIA A.G. (No more issued since ) VISA CARDS Card validity Card fee charged 3 years annually VISA CARD - CLASSIC Annual fee for card with insurance - principal card 54,50 - additional card to principal card 27,25 Annual fee for card without insurance - principal card 18,17 - additional card to principal card 18,17 VISA CARD - GOLD Annual fee for principal card (with insurance) 105,38 Annual fee for additional personal card (with insurance) 54,50 Other services: Issue of replacement card after being blocked, lost or stolen 40,00 Cash withdrawal from ATM, bank branch, exchange office Cash Advance - 3% of total withdrawn amount, min. 3,63 Card cancellation free of charge Service charge outside EMU 1% of transaction Copy of confirmation of transaction 10,00 Copy of monthly account statement 3,00 Services for MULTIPAS Change of limit 1,66 PIN re-generating 1,66 Issuance of a new card after being blocked (lost, stolen, damaged) 6,64 SAFE DEPOSITS EUR Passbook safe deposit Rental for 1 year (incl. VAT) 3,32 34

35 PRODUCTS NO LONGER PROVIDED BY THE BANK CONSUMER CREDITS EUR OPTIMAL Consumer credit with building saving benefits Fee for granting credit 2% of loan amount, min. 35,00 Fee for loan account maintenance 2,20 /month CONSUMER CREDIT FOR PURCHASE OF CAR Fee for granting credit 2% of loan amount, min. 35,00 Fee for loan account maintenance 2,20 /month 35

36 PRODUCTS NO LONGER PROVIDED BY THE BANK 1. DEBIT CARDS a) Electronic payment cards MasterCard Unembossed PayPass MasterCard PayPass EURO<26 Card validity 3 years 3 years Card issuance / maintenance during its validity 8,00 / year 8,00 / year Fee for EURO<26 licence 10,00 /licence period Electronic payment card services Change of limit 3,50 3,50 Re-generation of PIN 3,50 3,50 Issue of replacing card after a preceding blockage ( loss, theft ) 8,00 8,00 Issuance of substitute card if damaged 8,00 8,00 Change of PIN at ATM 3,50 3,50 Fee for blocking of card 0,00 0,00 Cancellation of card 0,00 0,00 Issuance of monthly ATM/POS transaction statement 1,00 1,00 Repeated print-out of a monthly statement of ATM/POS transactions 1,00 1,00 Cash withdrawal in EUR from ATMs Sberbank Slovensko, a.s. 0,50 0,50 of another bank in SR and abroad 1,50 1,50 Cash withdrawal in a currency other than EUR from ATMs abroad 5,50 5,50 Cash withdrawal in EUR (Cash Advance) at branch of the bank in SR or abroad 10,00 10,00 Cash withdrawal in a currency other than EUR (Cash Advance) at branch of the bank in SR or abroad 10,00 10,00 Cashless payment at POS 0,15 0,15 Surcharge for express issuance of new card (a separate card issuance fee is charged in addition to the surcharge) Surcharge for express re-issuance of card / PIN (a separate card/pin issuance fee is charged in addition to the surcharge) 40,00 40,00 40,00 40,00 Card/PIN production and delivery within 48 hours express surcharge + express delivery costs courier + fee for card* / PIN express surcharge + express delivery costs courier + fee for card* / PIN 36

37 PRODUCTS NO LONGER PROVIDED BY THE BANK 1. DEBIT CARDS b) Other electronic payment card carriers Card validity Payment card BIRDIE WATCH Card validity 3 years, without automatic renewal BIRDIE WATCH card service program Card issuance fee 20,00 (one-time) BIRDIE WATCH card - môjúčetgo (my Account Go) - one-time fee Card issuance fee 20,00 (one-time) BIRDIE WATCH card môjúčetgo (my Account Go) - in 24 monthly instalments Card issuance fee 0,00 Birdie Watch services Issuance of substitute card (if lost, stolen) 20,00 Issuance of substitute card (if damaged) 20,00 Cancelation of card (if the BIRDIE WATCH card to the ENTER Youth Account is cancelled sooner than after 12 months from being issued, the account holder is obliged to pay the price difference) 0,00 WAU CARD WAU CARD international prepaid contactless card MasterCard PayPass / MasterCard Sticker Card issuance 1,00 Fee for unused credit refund 1,49 Usage of card 0,00 SIM toolkit banking. Installation fee 0,00 37