SERVICE CHARGE LIST OF SLOVENSKÁ SPORITEĽŇA, A. S. PART A) NATURAL PERSONS NON-ENTREPRENEURS. 1 from 25

Transcription

1 SERVICE CHARGE LIST OF SLOVENSKÁ SPORITEĽŇA, A. S. PART A) NATURAL PERSONS NON-ENTREPRENEURS 1 from 25

2 The Service Charge List is a document issued by the Bank that includes the Charges, their amount or method of calculation, maturity, and payment conditions. The client ONLY pays the Charges included in the Service Charge List and in the respective Contracts or Publications. Other services are not paid for. DEFINITION OF TERMS Assets: Assets crucial for providing discount from the Maintenance fee of selected Bank Products. DCC ERSTE GROUP financial group for Payment Cards Assets include: a) the average monthly balance of Client funds on the Bank Product (in any currency), b) the average monthly value of securities registered at the Bank for the Client (the calculation base for securities value is in case of bonds their nominal value and in case of shares their market value), c) the average monthly market value of unit shares of the SPORO fund and ESPA fund registered at Asset Management Slovenskej sporiteľne, správ. spol., a.s. for the Client, d) the average monthly market value in the ownership of the Client deposited at the Bank, and e) the average monthly value of the paid life insurance of the Client at Poisťovňa Slovenskej sporiteľne, a.s. Vienna Insurance Group. The average monthly balances or values are calculated as at the last date of the relevant period from the end-day balances or values during the relevant period. Foreign currencies are converted by ECB exchange rate according to the list of exchange rates of the Bank valid on the date of the monitored period. If the Bank Product is established for two or more Clients, for the purpose of calculating the average monthly balance the percentage share of the Client in the Bank Product is included. For determination of the number of Clients, for whom the Bank Product is maintained, the last day of the monitored period is crucial. Dynamic Currency Conversion = A fee for accepting the offer to clear in EUR a foreign currency card transaction at a special exchange rate set by other bank. This applies to both cash and non-cash card transactions. Austria Erste Bank der Oesterreichischen sparkassen AG; Niederoesterreichische Sparkasse AG; Die Zweite Wiener Vereins-Sparkasse AG; Salzburger Sparkasse Bank AG; Tiroler Sparkasse Bank AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech Republic Česká spořitelna a.s.; Croatia Erste & Steiermärkische Bank d.d.; Romania Banca Comercială Română, S.A.; Serbia Erste Bank Serbia, a.d..; Montenegro Erste Bank AD Podgorica; Moldavia Banca Comercială Română Chisinău; Bosnia and Herzegovina Sparkasse Bank dd Bosna i Hercegovina; Macedonia Sparkasse Bank Makedonija AD Skopje ERSTE GROUP financial group for Payment Services SEPA countries Austria Erste Bank der Oesterreichischen sparkassen AG; Niederoesterreichische Sparkasse AG; Die Zweite Wiener Vereins-Sparkasse AG; Salzburger Sparkasse Bank AG; Tiroler Sparkasse Bank AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech Republic Česká spořitelna a.s.; Croatia Erste & Steiermärkische Bank d.d.; Romania Banca Comercială Română, S.A.; Serbia Erste Bank Serbia, a.d.; Moldavia Romanian Commercial Bank Chisinau S.A.; Slovenia Banka Sparkasse d.d.. EEA member countries: Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Netherlands, Croatia, Ireland, Latvia, Latvia, Lithuania, Luxembourg, Malta, Hungary, Germany, Norway, Poland, Portugal, Austria, Romania, Slovakia, Slovenia, Spain, Sweden, Italy, United Kingdom of Great Britain and Northern Ireland, Iceland, Lichtenstein. Other areas and autonomous regions: Martinique, Mozambique, French Guyana, Réunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melila, Åland Islands, Mayotte, Saint Barthélemy, Saint Martin, Saint Pierre and Miquelon. Countries that acceded to SEPA: Switzerland, Monaco, San Marino. Monitored period: The monitored period for the calculation of Assets is the calendar month when the value of Assets is assessed, and that as of the first to the last day of the month. 2 from 25

3 Debit cards Electronic services Transfers 1. Account PRODUCTS AND SERVICES INCLUDED IN THE PRICE Personal account Student Monthly account maintenance fee 0 100% discount from Account maintenance fee if the Client Assets in the Monitored Period achieve Establishment/Activation of unlimited number of standing Payment Orders and Consents to direct debit Change or cancellation of the unlimited number of Standing Payment Orders 1/ and of Consents to direct debit / collectors, Ban on beneficiary by Electronic Services Unlimited number of non-cash deposits on account credits to account Unlimited number of executed Standing Payment Orders and Direct Debit Payment Orders Unlimited number of filed and executed single Payment Orders by Electronic Services (domestic transfer) Unlimited number of EUR payments within EEA countries including SEPA filed through Electronic Services Electronic statement sent to Internetbanking or address - Personal account Young 0 6/ / 2.00 at least 10,000 Personal account 0 6/ / 5.90 at least 10,000 Personal account Exclusive 0 6/ / 8.90 at least 15,000 Internetbanking Telephonebanking SMS services for each Client and/or authorised person (SMS notification over 20, SMS notification of non-executed payments from the Account, SMS key) SMS services Premium for each Client and/or authorised person (SMS notification from 0, SMS notification of nonexecuted payments from the Account, SMS statement, SMS notification for e-invoices, SMS key) Issuance of first GRID card to the Client One electronic Payment Card for the Client - issuance and renewal One embossed Payment Card for the Client and/or authorised person - issuance and renewal VISA Electron Sphere VISA Electron Sphere VISA Electron / Maestro / VISA Classic/ MasterCard Mass PIN code re-print Re-issuance of lost or stolen Payment Card Change of Payment Card limit (through Electronic services, Bank branch, Sporotel) Unlimited number of EUR cash withdrawals by Payment Card from other bank's ATMs in the Slovak Republic and in EEA countries 4/ Unlimited number of non-cash payments made by Payment Card for goods and services 3/ 4/ Unlimited number of cash withdrawals by Payment Card from the ATMs of the Bank and of the ERSTE GROUP financial group Reward for payments by Payment Card - Discount from the fee for the service Own Card for the Client to one Payment Card 5/ Saving account Legend: service included in the price - service is not included in the price 3 from 25

4 1/ Termination of a Standing Payment Order with a fixed number / amount of payments or with a termination date other than the date stated in the application for its termination it is not included in the price of the Account. 2/ If the Client does not wish to get an embossed Payment Card, he can get an electronic Payment Card free of charge. 3/ Except for personal transactions listed in the Publication to debit Payment Cards. 4/ Except for using the DCC service. 5/ In case of existing Payment Cards with the service Own Card the discount will be provided for the oldest issued Payment Card. 6/ If the conditions have been met in a Relevant Period, the Bank will not charge the monthly fee for the next calendar month. PRODUCTS AND SERVICES INCLUDED IN THE PRICE SPOROgiro 1/ SPOROgiro senior Monthly account maintenance fee One electronic Payment Card for the Client and/or authorised person - issuance and renewal Saving account - VISA Electron - 1/ If the Client uses the account exclusively for securities trading purposes, the fee for account maintenance and the fee for payment operations within domestic transfer is EUR 0. If the Client starts to use the account for other purposes, for other types of operations or applies for additional services or other Bank Products tied with the account, the account and its use will be subject to charges according to the Service Charge List. PRODUCTS AND SERVICES INCLUDED IN THE PRICE Basic bank product Monthly account maintenance fee 1.00 Non-cash Deposit to Account - Crediting Funds to Account Establishment and execution of one-off Payment Order in Branch Establishment and execution of Payment in EUR within EEA countries including SEPA in the Branch Execution of standing Payment Orders and Payment Orders for Direct Debit Cash deposit to the Account Cash withdrawal Non-cash payment by the Payment Card for goods and services in the Slovak Republic 1/ 2/ 10 3 items 1 item items Cash withdrawal by Payment Card from ATMs of the Bank One electronic Payment Card for the Client - issuance and renewal 1/ 2/ 3 items Maestro 1/ Except for personal transactions listed in the Publication to debit Payment Cards. 2/ Except for using the DCC service. 2. Other Fees related to the Account FEE Change in Account handling from 25

5 3. Payment services - non-cash payment operations Domestic transfers FEE Non-cash Deposit to Account - Crediting Funds to Account Execution of standing Payment Order and Payment Order for Direct Debit (in case of Direct Debit the side of payer and payee as well) Processing request for payment return / investigation 1/ 3.00 Confirmation on transfer execution 3.50 Account settlement upon cancellation of Account maintained at the Bank by non-cash transfer Execution method FEE through Electronic services at the Branch Entering and execution of a one-time Payment Order Urgent payment Change or cancellation of the standing Payment Order Change or cancellation of the Consent to direct debit / collector and Ban on beneficiary Termination of a standing Payment Order with a fixed defined number / sum of payments or termination date other than the day stated in the request for termination Processing of the item Payment Order received in a file through File Transfers via the Internetbanking Service Processing the item Urgent Payment received in a file via File Transfer through Internetbanking Service / In case that the bank for the beneficiary charges its fee for processing of the response to the Request for payment return / investigation, this fee will be charged to the client from the Account. Cross-border transfers Received transfers: Non-cash deposit to the Account Execution method FEE Transfer in EUR into EEA countries including SEPA 1/ (transfers to banks unreachable for SEPA payments) Urgent payment in EUR into EEA countries including SEPA 1/ (transfers to banks unreachable for SEPA payments) 5 from 25 through Electronic services at the Branch Transfer within the ERSTE GROUP financial group 2/ Transfer in CZK to ČSAS a.s. 3/ Cross-border payments in EUR and in foreign currency from Slovakia and in foreign currency within Slovakia up to 2,000 From 2, Surcharge for urgent payment Surcharge for payment with OUR payment condition Change, supplementation or cancellation of transfer and Stop Cheque Payment see next page fees of the foreign bank Confirmation of transfer execution Written information on crediting the transfer to the Account of the payee at a foreign bank and investigation of cross-border transfer fees of the foreign bank 1/ For transfer in EUR to EEA countries including SEPA the cross-border transfer is considered as: in EUR currency, with the correct BIC, SWIFT code of the payee's bank, account number of the payee in IBAN format, with SHA payment condition.

6 2/ For transfer within the ERSTE GROUP financial group the cross-border transfer is considered as: in all currencies that the Bank performs cross-border transfers in, with the correct BIC, SWIFT code of the payee's bank. Transfers without a BIC- SWIFT code or with an incorrect BIC-SWIFT code of the Payee s bank will be subject to the fee applicable to other transfers. If the transfer within the ERSTE GROUP financial group meets the conditions for Transfer in EUR into EEA countries including SEPA (see point 1), the fee as for this type of transfer shall be applied to it. 3/ Transfer in CZK to ČSAS a.s. is considered as a cross-border transfer: in CZK (Czech crown) currency to Česká spořitelna, a.s. with the correct BIC, SWIFT code of the payee's bank (GIBACZPX). The transfer with unindicated or incorrectly completed BIC, SWIFT code of the payee's bank shall be charged with a fee valid as for other transfers. Surcharge for payment with OUR payment condition 1/ COUNTRY OF PAYEE'S BANK zone: Australia in favour of the clients of National Australia Bank up to 12,500 PAYMENTS in EUR 12,500-50,000 over 50, Australia in favour of third-party clients Benelux (Belgium, Netherlands, Luxembourg) The Czech Republic France Hungary Germany Austria Romania Croatia Slovenia Spain Switzerland Italy Great Britain other countries OTHER PAYMENTS Payments in all currencies: - in favour of Erste Group Bank AG clients - in favour of Erste Bank der Oesterreichischen Sparkassen AG clients - in favour of Česká spořitelna, a.s. clients - in favour of Erste & Steiermärkische Bank d.d. clients - in favour of Erste Bank Hungary Zrt. clients - in favour of Erste Bank Serbia, a.d. clients - in favour of Banca Comercială Română S.A. clients - in favour of Banca Comercială Română Chiţinău S.A. clients Payments in HUF to Hungary 9.00 Payments in RON to Romania Payments in GBP to Great Britain GBP Payments in CHF to Switzerland Payments in CAD to Canada Payments in PLN to Poland Payments in SEK to Sweden Payments in CZK to the Czech Republic: - in favour of Česká spořitelna, a.s. clients - in favour of clients of other banks CHF 3.90 (or equivalent in EUR) CAD 7.00 (or equivalent in EUR) PLN (or equivalent in EUR) SEK (or equivalent in EUR) CZK 0.00 CZK Payments in HRK to Croatia Payments in USD: - in favour of banks in the USA - in favour of other banks USD 0.20 USD from 25

7 Payments in AUD: - in favour of the clients of National Australia Bank - in favour of third-party clients Payments in all currencies apart from EUR/USD to other countries: - up to 12,500 (or equivalent) - over 12,500 up to 50,000 (or equivalent) - over 50,000 (or equivalent) AUD 5.00 AUD / In the case of a transfer with condition OUR, the expenses of the foreign or local bank will be debited against the remitter s account on the same day the transfer amount is debited if the bank knows the expenses in advance, or later in the amount of the actual expenses charged by the relevant bank. This fee, considered as the fee of a foreign bank, is charged by the Bank using the current rate from the list of exchange rates of the Bank valid at the time of transfer performance and/or the individual exchange rate determined by the Bank or agreed between the Bank and the Client. 4. Payment Services - Cash Operations CASH DEPOSITS AND CASH WITHDRAWALS FEE at the Branch Cash deposit to the Account 1/ 0.50 Cash withdrawal from the Account 2/ 2.00 Account settlement upon cancellation of Account maintained at the Bank by cash withdrawal 1/ If the Client deposits cash to his own account, the Bank does not charge any fee for cash deposit. The Bank shall charge this fee if cash is deposited to the Account by a person other than the Account Holder or the Authorised Person (this fee is paid by the depositor). 2/ Execution of withdrawal in the defined structure of coins / banknotes according to the request of the Client is also subject to charge for Change of banknotes and coins CASH-DESK AND CURRENCY EXCHANGE SERVICES BANKNOTES COINS Processing of coins upon depositing / withdrawing cash 1/ a) nominals: EUR 0.01; EUR 0.02; EUR 0.05 b) nominals: EUR 0.10; EUR 0.20; EUR 0.50; EUR 1; EUR 2 Exchanging banknotes and coins of various nominal values being brought in by client or the bank consigned them to Client / per piece; at least for each started 100 pieces of coins 1.00 for each started 100 pieces of coins 0.01 per piece; at least 0.60 Processing of damaged banknotes in EUR 1.60 / banknote - Purchase of banknotes in foreign currency, which are generally not purchased and banknotes excluded from circulation Purchase and sale of foreign currencies included on the exchange rate list of the Bank 30% of the value of one banknote; at least 1.30 Exchange of foreign currencies (two currencies) - conversion - Non-execution of the reported cash withdrawal 0.1% from the withdrawal sum 1/ The first 100 pieces of coins of the highest nominal values within one day is free of charge. 2/ The base for calculation of the fee is the higher number of submitted or handed over banknotes or coins (e.g. if the Client wants to exchange 1 piece of a 200 EUR banknote for 10 pieces of 20 EUR banknotes, the fee is calculated from 10 pieces of banknotes). 7 from 25

8 5. Debit cards Card type Electronic Embossed FEE / CARD TYPE VISA Electron / VISA Electron Sphere / Maestro Bratislavská mestská karta (Bratislava City Card) VISA Classic / MasterCard Mass VISA Gold / MasterCard Gold / MasterCard World Fee for Payment Card (annually) / Fee for express issuance of Payment Card Fee for lost or stolen Payment Card re-issuance in case of its nondelivery due to incorrect address Change of contractual conditions for Payment Card use (e.g. limit, reissuance) through Electronic Services Change of contractual conditions for the use of Payment Card (e.g. limit, re-issuance) in the Bank Branch, Sporotel PIN Code Re-print Travel insurance KOOPERATÍVA - individually for the Card Holder - family - additional insurance of family members Membership in IAPA (VISA) / ECI (MasterCard) Fee for the service Own Card (fee for each production of Own Card) yearly yearly yearly yearly yearly yearly yearly yearly yearly yearly included in the card price yearly included in the card price / The fee for the Payment card consists of the fee for payment instrument including membership in IAPA (VISA / ECI (MasterCard) in the total amount of and of the fee for individual Travel Insurance of the Card Holder in the amount of The above two items are being charged by the Bank in two separate sums. ixtra Card 1/ FEE / CARD TYPE ixtra Card Purchase of ixtra card with a credit of EUR Purchase of ixtra card with a credit of EUR to the owner of ixtra bonus or insurance of ixtra life junior Issuance of the renewed ixtra Card after validity expiration 3.50 Change of Limits of Payment Card use in the Bank Branch, Sporotel 1.80 Cashless top up of ixtra Card Cash top up of ixtra Card in the Bank Branch 0.50 Cashless payment for goods and services at Merchants in the Slovak Republic 2/ 3/ and abroad Cash withdrawal from the ATM of the Bank and of ERSTE GROUP financial group 3/ Execution of one statement to ixtra Card in monthly and higher periodicity and its sending by post within the Slovak Republic Execution of electronic statement Fee for the provision of Internetbanking service 1/ Other fees for using ixtra Card are identical with the fees for using Debit cards and are included in Part 5. 2/ Except for Personal Transactions listed in the Publication of Debit Cards. 3/ Except for using DCC service. 8 from 25

9 Use of debit Payment Cards Cash withdrawal with Payment Card in ATM: TYPE OF FEE / PLACE OF TRANSACTION EXECUTION ATM of the Bank ATM of the ERSTE GROUP financial group ATM of another bank in Slovakia and in EEA countries when withdrawing in EUR currency Other ATM abroad Fee for cash withdrawal from ATM Fee for cross-border conversion 1/ % from transaction % from transaction Cash withdrawal with Payment Card through POS terminal or imprinter in the Bank, another bank or at the Merchant: TYPE OF FEE / PLACE OF TRANSACTION EXECUTION In Slovakia and in EEA countries when withdrawing in EUR currency Abroad Fees Fee for cross-border conversion 1/ % from transaction Non-cash payment for goods and services TYPE OF FEE / PLACE OF TRANSACTION EXECUTION In Slovakia Abroad Fee for non-cash payment for goods and services Fee for cross-border conversion 1/ % from transaction Cash back service: TYPE OF FEE / PLACE OF TRANSACTION EXECUTION In Slovakia Abroad Fee for Cash back service Other transactions performed by Payment Card: FEE Fee for Special Transactions 2/ 1.30 Fee for using DCC service 1.00 Display of Account balance through ATM: TYPE OF FEE / PLACE OF TRANSACTION EXECUTION ATM of the Bank ATM of the ERSTE GROUP financial group ATM of another bank in Slovakia Other ATM abroad Fee for display of Account balance through ATM Changing PIN code at ATM: TYPE OF FEE / PLACE OF TRANSACTION EXECUTION ATM of the Bank ATM of the ERSTE GROUP financial group ATM of another bank in Slovakia Other ATM abroad Fee for PIN code change through ATM / 2/ For EUR transactions made in the EEA countries, the fee for cross-border conversion is not charged. 2/ A list of Special Transactions is available in the Publication to Debit Cards. 9 from 25

10 6. Credit cards Revolving cards - embossed - with contactless functionality (CTLS) also without contactless functionality FEE / CARD TYPE Štedrá karta (Generous Card) VISA Classic VISA Gold Monthly fee for Credit Card / / 1/ Monthly fee for Additional Card Fee for Credit Card issuance / - - Fee for Additional Card issuance / - - Fee for Renewed Card issuance Fee for the issuance of Replacement Card (Credit Card) when blocking the Credit Card at the initiative of the Client, in case it is lost or stolen Fee for issuance of Replacement Card (Credit Card) in case of reporting its non-delivery after 60 days as of the Credit Card issue date Fee for exceeding (overdrawing) the Total Card Limit Fee for PIN code re-print Contractual penalty for delay (Fee for reminder) Fee for express delivery of the Credit Card and/or PIN code delivery Statements Fee for changing the limits of Credit Card use in the Bank Branch, Sporotel Fee for changing the limits of Credit Card use through Electronic Services Fee for changing the contactless technology in the Bank Branch, Sporotel Fee for changing the contactless technology through Electronic Services Use of Credit Card: included in the card price included in the card price included in the card price a) Non-cash payment for goods and services b) Fee for cash withdrawal from ATM c) Fee for cash withdrawal with Payment Card through POS terminal in the Bank, another bank or at the Merchant d) Fee for PIN code change through ATM e) Fee for Special Transactions 3/ f) Fee for using DCC service g) Fee for available balance display of the Card Account in ATMs of other banks / Refunding of monthly Fee for the Main Credit Card is conditioned by fulfillment of all provisions being set within the document Publication to Credit Cards in part Loyalty Program Rules for Credit Cards. 2/ The Fee for the issuance of Credit Card and Fee for the issuance of Additional Card in case of Štedrá karta is charged upon first card issuance 3/ A list of Special Transactions is available in the Publication to Credit Cards. 10 from 25

11 Additional services to these cards: Štedrá karta (Generous Card) VISA Classic VISA Gold Provision of Emergency Cash for Credit Card Holder being Abroad (by Lost or Stolen Card) Provision of Emergency Credit Card for Holder being Abroad (by Lost or Stolen Card) Fee for entering the airport lounges above the scope of free entries within the service Entry into airport lounges Fee for the service Temporary Limits in the Bank Branch, Sporotel Fee for the service Temporary Limits through Electronic Services Fee for establishment of the service Loan Repayment in the amount of the whole Receivable / person / entry Fee for the service Grace Period Fee for the service Quick Drawdown when payment in cash Fee for the service Quick Drawdown when payment into account Fee for the service Repayment of another credit card Savings Books FEE / PRODUCT Savings book capital 1/ SPORORbonus ixtra bonus Establishment Cancellation upon Client request 6.65 / 2/ Change 3.50 Establishment of ban on savings book payment at Client initiative 3.50 Payment of the deposit from lost, destroyed, stolen Savings book without redemption proceeding Start of redemption proceeding on the Savings book % from the redemption deposit at least 6.65; max Issue of a replacement Savings book due to damage by the Client / These Fees are also valid for the product names: SPORObook capital, SPORObonus Pension, SPORObook without notice period, SPORObook with notice period, SPORObook ace 2/ Clients are exempted from the Fee for cancellation if: - they keep the balance of deposit on the newly established Savings book, - they own a SPORObook without notice period, SPORObook with notice period, SPORObook ace, or SPORObook from 25

12 8. Loans Housing loan, Mortgage Loan for Young People FEE Management fee Loan amount (in EUR) 7,000-19,999 20,000-29,999 30,000-49,999 50,000-69,999 70,000-99, ,000 and above Fee for early repayment of the Loan or its part by an extraordinary installment 1/ 2/ 3/ 4/ : a) in case of Loans with fixed rate the following Business Day after expiration of the Fixation period b) in case of Loans with a fixed rate outside the next Business Day after expiration of the Fixation period Other fees: Fee charged for changes in contractual conditions of the Loan and Other Loan Services requested by Client % from the amount of extraordinary installment Contractual penalty for delay (Fee for reminder) Basic set of Insurance to loan Extended set of Insurance to loan Complex set of Insurance to loan Property insurance 7.90% from the prescribed loan installment / monthly 10.00% from the prescribed loan installment / monthly 13.50% from the prescribed loan installment / monthly contractually * NOTES: Fees included in the Service Charge List Part 13) Other services apply to these Loans. 1/ For Loans with variable rate or variable preferential rate: a) provided based on a Loan Contract made until 31 January 2006: - if the Loan or its part was paid by an extraordinary installment outside the Business Day following the validity expiration of the original interest rate a fee of 5% from the amount of the extraordinary installment is paid - if the Loan or its part is paid by an extraordinary installment once a year, and in the previous calendar year there was no change in the amount of interest rate, the following fee applies to this Loan: b) provided based on the Loan Contract from 1 February 2006 to 31 July 2008 the fee paid is: 2/ Without fee in case of mortgage loans for young people during the period of 5 years from the provision and start of interestbearing of the loan. 3/ Without fee if the extraordinary installment of the Loan is made on the day of concluding the addendum to the Loan Contract, the subject of which is the change of Interest type in connection with the expiration of the original fixation period. 4/ Without fee once in a calendar year, based on a written request, and the extraordinary installment will be maximally in the amount of 20% of the actual Loan principal. This provision shall be applied for the first time after expiration of one year as of conclusion of the Loan Contract. Consumer Loans for Anything (Spotrebné úvery na Čokoľvek) * The bank does not charge any entry fees in case of this product. FEE Fee charged for changes in contractual conditions of the Loan and Other Loan Services requested by Client Contractual penalty for delay (Fee for reminder) Extended set of Insurance to loan 1/ Complex set of Insurance to loan 1/ 3.50% from the prescribed loan installment / monthly 5.50% from the prescribed loan installment / monthly * NOTES: Fees included in the Service Charge List Part 13) Other services apply to these Loans. For all types of Consumer loans. 1/ Insurance to loan may not be provided with the product Consumer Loans for Anything (Spotrebné úvery na Čokoľvek) for university students. 12 from 25

13 Permitted overdraft * The bank does not charge any entry fees in case of this product. FEE Contractual penalty for delay (Fee for reminder) * NOTES: Fees included in the Service Charge List Part 13) Other services apply to these Loans. 9. Statements * FEE Account statement issuance and sending by post within Slovakia Account statement issuance and its personal takeover at the Bank Branch Execution of an electronic statement and sending to Internetbanking or to an address Execution of a statement of increasing turnovers at the Bank Branch 1.00 per page Duplicate current account statement (copy of statement) 1.00 per page * The bank prepares a statement of the loan free of charge once a year. 10. Electronic services Internetbanking, Telephonebanking, SMS services, SMS services Premium and notification FEES FOR USING SERVICES Internetbanking 1/ 1.00 monthly per Account Telephonebanking SMS services for each Client and/or Authorised person (SMS notification over 20, SMS notification of non-executed payments from the Account, SMS key) SMS services Premium for each Client and/or Authorised Person (SMS notification from 0, SMS notification of non-executed payments from the Account, SMS statement, SMS notification for e-invoices, SMS key) 1.00 monthly 1.50 monthly 2/ notification 1/ The fee is not charged in case of an Account maintained in EUR currency. 2/ For SMS services Premium provided to the Personal Account, Personal Account for Young People and Personal Account Student / for each Client and/or Authorised Person the Bank charges the fee of 0.50 monthly. Management of Security Objects: GRID card and EPK for Electronic Services FEES FOR THE MANAGEMENT OF SECURITY OBJECTS GRID card issuance 2.00 Issue of an electronic personal key (EPK) EPK unlocking (6 incorrectly entered PIN codes) 3.00 Reactivation of EPK (multiple use of incorrect unlocking code) from 25

14 11. Safe-deposit boxes BOX TYPE Type 1 Type 2 Type 3 Type 4 Type 5 up to 7,000 cm 3 up to 13,000 cm 3 up to 25,000 cm 3 up to 45,000 cm 3 over 45,000 cm 3 Monthly fee 1/ VAT Price including VAT: VAT Price including VAT: VAT Price including VAT: VAT Price including VAT: VAT Price including VAT: / The client is obliged to pay the monthly fee for using a safe-deposit box also in case when the contract was concluded for a period shorter than one month. The price for using a safe-deposit box also includes the insurance of client property deposited inside the safe-deposit box. The sum insured for each safe-deposit box amounts to 25, Securities Securities trading Slovak and foreign securities 2/ : PURCHASE / SALE OF SECURITIES BONDS 1/ SHARES 1/ , % min % min , ,000 30, , , , % from the volume over 15, % from the volume over 30, % from the volume over 150, % from the volume over 15, % from the volume over 30, % from the volume over 150,000 over 500, individually individually Change of Instruction conditions Instruction cancellation by the Client Fee for unexecuted Instruction / From the transaction volume (in case of bonds without aliquot interest yield). 2/ To the above mentioned fees for securities trading depending on the foreign market where the securities deal was made, additional fees and costs related to obligations, trading and settlement of securities deals may be added, which emerge from the statutory obligations valid for the respective foreign market. Account of the owner (property account) - Slovak securities ACCOUNT OF THE OWNER MAINTAINED IN THE REGISTER OF SLOVENSKÁ SPORITEĽŇA Establishment of account and cancellation of account Account maintenance 1/ 0.2% max. 100 Balance statement / The calculation base of the maintenance fee for the Account of securities holder is the average daily amount of portfolio value calculated from the nominal value of bonds and the market value of shares in the portfolio. The fee is due always as at 15 January of the calendar year, namely for the previous calendar year, or if the account was cancelled during the calendar year, the fee is payable as at the account cancellation date. The fee includes VAT. Custodianship of Foreign Securities CUSTODIANSHIP OF FOREIGN SECURITIES 1/ If the portfolio value does not exceed EUR 30,000 1/ 0.4% 14 from 25

15 if the portfolio value exceeds EUR 30,000 1/ % from the volume over 30,000 1/ The calculation base for the fee for custodianship of Foreign Securities is the average daily amount of the portfolio value calculated from the nominal value of bonds and the market value of shares in the portfolio. The values in foreign currencies shall be converted by the average from the purchase and sale rate of Slovenská sporiteľňa for the given currency valid on the respective date. The fee is due always as at 15 January of the calendar year, and that for the previous calendar year. The fee includes VAT. Transfers of securities TRANSFERS OF SLOVAK SECURITIES 1/ Transition of securities (e.g. heritage) for each piece of securities Transfer for consideration with financial settlement 0.1% min max Other types of transfers TRANSFERS OF FOREIGN SECURITIES 1/ Transfer of blocked EBG shares obtained in ESOP program Transfer and transition of foreign securities in the internal registration of SLSP (if the property account of the transferor and the transferee is maintained by SLSP) Transfer and transition of foreign securities outside the internal registration of SLSP Transfer and transition of Foreign securities emitted in the following countries: Hong Kong, Croatia, Romania, Singapore, Turkey 1/ The fees are charged for filing the Transfer/transition order transferor transferee Gold bars custody GOLD BARS CUSTODY Weight Average weight of gold bars in custody in the calendar month (in grams) (monthly) (Weight in grams / 1,000) x 15.00, at least 2.40, max Other services related to securities OTHER SERVICES Registration of contractual pledge 0.15% of the amount of receivable (at least 30.00, max. 2,500,00) Registration of change / cancellation of contractual pledge Other services - not indicated 5.00 for each started 15 minutes of work 13. Other services FEES FOR OTHER SERVICES Other services not included in the Service Charge List (for each commenced 15 minutes) upon operations for Clients LOOKING UP DOCUMENTS IN THE ARCHIVE Looking up and handover of documents in the manual registry: Looking up the document at the branch Looking up the document in the registry centre PLEDGING Pledging the funds on the Account, Deposit account Reward (fee) for mandatory execution from 25

16 OTHER FEES Sending an advice note to the tax authority + postal charges Actions prior to execution of the motion for judicial proceeding 7.00 Execution of a photocopy of the bank document or deed upon request of the Client ISSUANCE OF CONFIRMATIONS 0.20 per page + VAT Price including VAT: 0.24 per page Issuance of confirmation related to the loan upon Client request 1/ Fee for calculating the loan balance for the future 2/ Issuance of confirmation related to the loan upon Third-Party request (Tax authority, Executor, etc.) Issuance of confirmation related to: current account, deposit book, term deposit (Deposit Account) and secured deposit upon Client request Issuance of confirmation on the amount of deducted tax on the deposit book upon Client request PROVISION OF ASSISTANCE The costs of the Bank for assistance provision (simple search) The costs of the Bank for assistance provision (looking up older data, requesting documents from the Centralised Registry, etc.) The costs of the Bank for assistance provision - agreed electronic communication (easier looking up) The costs of the Bank for assistance provision - agreed electronic communication (looking up older data, requesting documents from the Centralised Registry, etc.) TELECOMMUNICATION AND POSTAL SERVICES Sending fax / teletext message (one page) a) domestic b) to Europe c) to other countries Sending message through SWIFT system a) Normal (N) type b) Urgent (U) type VAT VAT Price including VAT: VAT Price including VAT: VAT Price including VAT: VAT Price including VAT: VAT; Price including VAT: VAT; Price including VAT: VAT; Price including VAT: VAT; Price including VAT: VAT; Price including VAT: 3.98 c) to the Slovak and Czech Republic d) to Europe e) to other countries Courier service DHL or UPS VAT; Price including VAT: VAT; Price including VAT: VAT; Price including VAT: charge list of the company + VAT 1/ The client pays the fee in relation to issuance of the written confirmation for Housing loan, Consumer loan for Anything and Permitted overdraft, e,g, - Notification of authorisation to get acquainted with information being subject to bank secret - Confirmation of the existence of debtor/co-debtor/guarantor liability or liability of the pledger - Confirmation of delayed installments - Confirmation on the provision of Permitted overdraft - Confirmation on suspending / change of Permitted overdraft - Rejection of the request for Permitted overdraft - Confirmation on the amount of loan / interest rate / installment - Confirmation on payment of the receivable - Confirmation on loan information 2/ It is valid for Housing loans and Consumer loans for anything Bank Information FEE FOR BANK INFORMATION PROVISION Bank information provision upon request of the Client Provision of bank information upon Client request - within 24 hours from 25

17 Products and Services or Subsidiaries Sold at the Bank Branches Mutual Funds According to the Service Charge and Compensation List of Asset Management Slovenskej sporiteľne, správ. spol., a.s. More information available at any Bank Branch or at: Asset Management Slovenskej sporiteľne, správ. spol., a. s. Tomášikova Bratislava Postal address: Tomášikova Bratislava SPOROtel: Leasing Services According to the Service Charge List of Leasing Slovenskej sporiteľne, a.s. More information available at any Bank Branch or at: Leasing Slovenskej sporiteľne, a. s. Tomášikova Bratislava Postal address: Tomášikova Bratislava Telephone: 02/ Life Insurance Life insurance products sold through the Bank are not subject to fees. More information available at any Bank Branch or at: Poisťovňa Slovenskej sporiteľne, a.s. Tomášikova Bratislava Telephone: 02/ Fax: 02/ from 25

18 Debit Cards Electronic Services Transfers Existing Products and Services that the Bank currently does not sell 1. Accounts PRODUCTS AND SERVICES INCLUDED IN THE PRICE Package EXTRA Package EXTRA PLUS Monthly account maintenance fee Establishment / Activation of unlimited number of Standing payment orders and Consents to direct debit Change or cancellation of the unlimited number of Standing Payment Orders 1/ and of Consents to direct debit / collectors, Ban on beneficiary by Electronic Services Unlimited number of non-cash deposits on account credits to account Discount from the fee for executing Standing payment orders and Direct debit payment orders - 50% Unlimited number of filed and executed single Payment Orders by Electronic Services (domestic transfer) Unlimited number of Transfers in EUR to EEA countries including SEPA filed through Electronic Services Electronic statement sent to Internetbanking or address Internetbanking Telephonebanking GRID card issuance to the Client Discount from the annual fee for one electronic Payment Card (VISA Electron or Maestro) for the Client Discount from the annual fee for one embossed Payment Card (VISA Classic or MasterCard Mass) for the Client during the entire validity period and after its renewal Discount from the fee for cash withdrawal from the ATM of the Bank and of ERSTE GROUP financial group - 50% - 50% Discount from the fee for cashless payment by card for goods and services 2/ 3/ Legend: service included in the price - service is not included in the price 1/ Termination of a Standing Payment Order with a fixed number / amount of payments or with a termination date other than the date stated in the application for its termination it is not included in the price of the Account. 2/ Except for using the DCC service. 3/ Except for Personal Transactions listed in the Publication to Debit Cards. 18 from 25

19 Debit Cards Electronic Services Transfers Account PRODUCTS AND SERVICES INCLUDED IN THE PRICE Personal account Young SPOROgiro EURO<26 Monthly account maintenance fee 100% discount from Account maintenance fee if the Client's Assets in the Relevant Period achieve 1/ / / 1.00 at least 10,000 - Change in account handling - Unlimited number of non-cash deposits on account credits to account Unlimited number of executed Standing Payment Orders and Direct Debit Payment Orders Change or cancellation of the unlimited number of Standing Payment Orders 3/ and of Consents to direct debit / collectors, Ban on beneficiary by Electronic Services Unlimited number of filed and executed single Payment Orders by Electronic Services (domestic transfer) Unlimited number of EUR payments within EEA countries including SEPA filed through Electronic Services Internetbanking Telephonebanking Electronic statement sent to Internetbanking or to the address One electronic Payment Card for the Client - issuance and renewal - VISA Electron or VISA Electron Sphere Unlimited number of cash withdrawals by Payment Card from the ATMs of the Bank and of ERSTE GROUP financial group VISA Electron Sphere VISA Electron / VISA Electron Sphere Unlimited number of non-cash payments made by Payment Card for goods and services 4/ 5/ Reward for payments by Payment Card - Saving account 1/ If the conditions have been met in a Relevant Period, the Bank will not charge the monthly fee for the next calendar month. 2/ In case of submitting a confirmation on school attendance (student card, school register, confirmation showing the legal status of the Client as a university student) 3/ Termination of a Standing Payment Order with a fixed number / amount of payments or with a termination date other than the date stated in the application for its termination it is not included in the price of the Account. 4/ Except for using DCC service. 5/ Except for Personal Transactions listed in the Publication to Debit Cards. Legend: service included in the price - service is not included in the price 2. Statements FEE Personal takeover of the statement upon request Sending the statement by post abroad 3.50 Execution of statement in a shorter than monthly periodicity and sending by post within Slovakia postal charges 19 from 25

20 3. Saving Products a) Savings Books and Certificates of Deposit FEE / TYPE OF SAVINGS BOOK Savings book capital in foreign currencies 1/ Certificates of deposit Cancellation of SB upon client request 6.65 / * - Change in savings book Establishment of ban on payment at Client initiative Payment of deposit from lost, destroyed, stolen savings book without redemption proceeding according to special regulation Starting of redemption proceeding on the savings book / certificate of deposit Issue of replacement savings book due to its damage by the Client 1/ These fees are also applied to the product name SPORObook capital. * Clients are exempted from the fee for cancellation, if: - they keep the balance of the deposit on a newly established savings book. 2% from the redemption deposit at least 6.65 max % from the redemption deposit at least 6.65 max Credit Cards and Charge Cards a) Revolving Cards - Electronic - with contactless functionality and also without contactless functionality FEE / CARD TYPE VISA Classic Electronic VISA Gold Electronic Monthly fee for Credit Card Monthly fee for Additional Card Fee for the issuance of Replace Card (Credit Card) when blocking the credit card at Client initiative, or it is lost or stolen Fee for issuance of Replacement Card (Credit Card) in case of reporting its non-delivery after 60 days as of the Credit Card issue date 20 from Fee for exceeding (overdrawing) the Total Card Limit Fee for PIN code re-print Contractual penalty for delay (Fee for reminder) Statements included in the card price included in the card price Fee for changing the limits of Credit Card use in the Bank Branch, Sporotel Fee for changing the limits of Credit Card use through Electronic Services Fee for the change of contactless technology at the Bank branch, 1/ Sporotel Fee for the change of contactless technology through Electronic 1/ Services Use of Credit Card: a) Non-cash payment for goods and services 3/ 4/ b) Fee for cash withdrawal from ATM c) Fee for cash withdrawal with Payment Card through POS

21 terminal in the Bank, another bank or at the Merchant d) Fee for PIN code change through ATM e) Fee for Special Transactions 2/ f) Fee for using DCC service g) Fee for available balance display of the Card Account at the ATM of Slovenská sporiteľňa h) Fee for available balance display of the Card Account at the ATMs of other banks 1/ Change of contactless functionality may only be performed on cards enabling this functionality. 2/ A list of Special Transactions is available in Publication to Credit Cards. 3/ Except for using DCC service. 4/ Except for Personal Transactions listed in the Publication to Debit Cards Additional services to these cards: Provision of Emergency Cash for Credit Card Holder being Abroad (by Lost or Stolen Card) Provision of Emergency Credit Card for Holder being Abroad (by Lost or Stolen Card) Fee for entering the airport lounges above the scope of free entries within the service Entry into airport lounges Fee for the service Temporary Limits in the Bank Branch, Sporotel VISA Classic Electronic VISA Gold Electronic / person / entry Fee for the service Temporary Limits through Electronic Services Fee for establishment of the service Loan Repayment in the amount of the whole Receivable Fee for the service Grace Period Fee for the service Quick Drawdown when payment in cash Fee for the service Quick Drawdown when payment into account Fee for the service Repayment of another credit card 5. Loans a) Loans of social character for real estate and loans for newly-weds Loans of social character Loan administration fee Fee charged for changes in contractual conditions of the Loan and Other Loan Services requested by Client REMINDERS: Contractual penalty for delay (Fee for reminder) b) Loans for Wave I and II of Coupon Privatisation LOANS FOR WAVE I AND II OF COUPON PRIVATISATION Fee for loan administration for Wave I and II of Coupon Privatisation 21 from 25

22 c) Overdraft loan - SPOROgiro + (personal loan) ITEM / LOAN TYPE No fees REMINDERS: Contractual penalty for delay (Fee for reminder) d) Insurance to loan HOUSING LOANS (Úvery na bývanie) INSURANCE TO LOAN Basic set of insurance Extended set of insurance Complex set of insurance 2 insured persons 14.50% from prescribed loan installment / monthly 16.50% from prescribed loan installment / monthly 22.00% from prescribed loan installment / monthly CONSUMER LOANS FOR ANYTHING (Spotrebné úvery na Čokoľvek) INSURANCE TO LOAN Extended set of insurance Complex set of insurance 2 insured persons 6.00 % from prescribed loan installment / monthly % from prescribed loan installment / monthly e) Mortgage Loan * FEE / TYPE OF LOAN Loan administration fee Fee for early repayment of the Loan or its part by extraordinary installment 1/ : a) in case of Loans with fixed rate the following Bank Day after expiration of the Fixation period b) in case of Loans with fixed rate outside the Bank Day after expiration of the Fixation period Other fees: 5% from the amount of extraordinary installment Fee for cash repayment of the Loan Fee charged for changes in contractual conditions of the Loan and Other Loan Services requested by Client REMINDERS: Contractual penalty for delay (Fee for reminder) * NOTE: Fees included in the Service Charge List Part 13) Other services apply to these Loans. 1/ For Loans with variable rate or variable preferential rate: a) provided based on a Loan Contract concluded until 31 January 2006: - if the Loan or its part is repaid by an extraordinary installment outside the Business Day following the expiration of the original interest rate, the fee of 5% from the amount of the extraordinary installment is paid. - if the Loan or its part is repaid by an extraordinary installment once a year, and in the previous calendar year there was no change in the amount of interest rate, the following fee is valid for the Loan: b) provided based on a Loan Contract concluded from 1 February 2006 to 31 July 2008 the fee applied is: FEE f) American Mortgage * Loan administration fee Fee for early repayment of the Loan or its party by an extraordinary installment: 22 from 25