MEDIUM-SIZED ENTERPRISES

Transcription

1 List of Fees MEDIUM-SIZED ENTERPRISES Turnover over CZK 25 million up to CZK 1,2 billion HOUSING COOPERATIVES AND FLAT OWNERS ASSOCIATIONS Valid from

2 Contents 1. Current accounts and deposits Current accounts Special accounts Time deposits Deposit bills Other Payments Cash payments Foreign exchange operations Domestic electronic payments Foreign electronic payments Direct banking Sberbank Online Banking Smart Banking Homebanking MultiCash Informational text / messages Payment cards Debit cards Loans and guarantees Business and corporate loans Variant loan program Guarantees Financing of operations claim assignment Loan promise under the EU Program Real estate financing (developer and design work) Loan for housing cooperatives and flat owners associations Property valuation by the Bank for loan application Fees for breach of contract Documentary payments Buyer documentary letter of credit Supplier documentary letter of credit Import documentary letter of credit Export documentary letter of credit Documentary collections Other 24 Page 01

3 Contents 7. Investments Certificates Bonds Funds Shares Other Other banking services Cheques Banking information Safe deposit boxes Day and night depositories Other Inactive products and services Payments Payment cards Other banking services Loans and guarantees 35 Page 02

4 1. Current accounts and deposits 1.1 Current accounts Current account Opening/change/closing of an account Maintenance of an account (monthly)* 150 Maintenance of an account for a client who does not use any electronic banking channel (monthly)** 220 Account statement (per statement)*** Electronic account statement (e-statement)/collection via Infoterminal by post upon turnover / weekly / monthly / quarterly / yearly**** 40 Copy of statement, copy of debit/credit advice note Statement for last 12 months / older than 12 months 50 Infoterminal - Infocard issue fee Issue of Confirmation of account balance 200 Fee for dispatch key (annual) 400 Account block upon client request 200 Blockage of payment of deposit products 500 * The fee is charged on the last business day of the calendar month. ** The fee is charged on the last business day of the calendar month. *** Statements are normally delivered electronically (e-statements) or via Infoterminal. For accounts opened prior to 31 October 2009, statements are delivered as agreed in the account contract. The fee is charged per copy. **** Applies for time deposits only. Quarterly statement is not possible to arrange for a current account. If the Bank provided a corporate client with products from the entrepreneurs and small companies product portfolio, the client shall be required to pay fees under the conditions in the List of Fees in the section for Entrepreneurs and Small companies. Page 03

5 1. Current accounts and deposits 1.1 Current accounts Escrow account Opening and maintenance of an Escrow account, addendum to an Escrow account contract 0.2% of the deposited amount, min. 5,000 Changes to sample contractual documentation at the client's request 4, Account for Housing Cooperatives and Flat Owners Associations** Opening/change/closing of an account Maintenance of an account (monthly* 190 * The fee replaces fees for maintenance of individual products which are included in the account. ** Only for for Housing Cooperatives and Flat Owners Associations The Account for Housing Associations and Homeowners Association includes these products and services: Maintenance of a current account in CZK with special interest rate including an overdraft line of credit (overdraft line of credit is provided based on Bank evaluation of the client s financial standing). Maintenance of an additional current account in foreign currency or CZK. Maintenance of a public sector deposit current account. Maintenance of a deposit product (time deposit or deposit bill of exchange). Maintenance of a payment card (international business debit card VISA Electron or VISA Classic or Maestro or MasterCard Standard). Maintenance of a direct banking service (Sberbank Online Banking and Smart Banking or Homebanking including installation). Generation of monthly statements for all current accounts Deposit current account for public sector** Opening/change/closing of an account Maintenance of an account (monthly)* The account is maintained as the sole client current account 150 The account is maintained as the secondary (supplementary) client account * Entries are booked on the last working day of a calendar month. ** Only for Housing Cooperatives and Flat Owners Associations. Page 04

6 1. Current accounts and deposits 1.2 Special accounts Special current account for the purpose of paying company registered capital Cash fee for opening an account 500 Maintenance of an account (monthly) Issue of Confirmation of deposit of funds to an account See Chapter Current accounts Special account for EU / grant programs Opening/change/closing of an account Maintenance of an account (monthly) Interest payment on account credit balance not agreed Interest payment on account credit balance has been agreed RESERVE account Opening/change/closing of an account Maintenance of an account (monthly) Incoming payment* Outgoing payment** Purchased via electronic banking entry outside Sberbank CZ (including entries on a standing order, SIPO and permitted direct debit) 24 * This applies to incoming payments within the Bank and incoming payments from another bank. ** The fee amount applies to transactions carried out via a Reserve account. Entries are charged on the last business day of the calendar month. Other fees not listed above are governed by the relevant chapters of the List of Fees. Page 05

7 1. Current accounts and deposits 1.3 Time deposits Opening a time deposit Maintenance of a time deposit (monthly) Renewal of revolving time deposit Early withdrawal of funds from a time deposit / early cancellation of a time deposit 2% of the early withdrawal amount, min. 1, Deposit bills Issue of a deposit bill of exchange Early payment of a deposit bill of exchange 1%, min. 1,000 Custody of a deposit bill of exchange (monthly) 1.5 Other Interest rate for unauthorised debit balance on current accounts 25% p.a. Fee for a reminder to settle a debit balance on the account First reminder 100 Second and each subsequent reminder 200 Subsequent fine for breach of contract 2,000 Infoterminal fee for loss of Infocard 200 Page 06

8 2. Payments 2.1 Cash payments Cash deposit Unsorted banknotes surcharge for cash deposit exceeding CZK 500,000 within a single day Surcharge for a cash deposit in a foreign currency (exceeding CZK 500,000 or the equivalent) in a single day 0.1% of the amount deposited, max 1, % of the amount deposited, max 1,000 Deposit to an account at Ceskomoravska stavebni sporitelna 50 Deposit to an account at another financial institution 2%, min. 1,000 Cash withdrawal* 60 Surcharge for a cash withdrawal exceeding CZK 250,000 within one day 0.2% of the amount withdrawn Withdrawal exceeding CZK 250,000 without notification 1,000 Failure to collect advised withdrawal exceeding CZK 250, %, min. 500 Fee for changing more than 100 banknotes of the same nominal value for smaller currency, including coin recounting Fee for exchanging cash exceeding 100 units of the same nominal value, including recounting of banknotes (only) Surcharge for a cash withdrawal in a foreign currency (except EUR, USD, GBP and CHF) 2%, min % of the amount 0.5% of the withdrawn amount * Entries are charged on the last business day of the calendar month. 2.2 Foreign exchange operations Purchase/sale of foreign currency 1%, min. 50 Page 07

9 2. Payments 2.3 Domestic electronic payments Incoming payments Incoming payment within Sberbank CZ Incoming payment from another bank 5 Entries are charged on the last business day of the calendar month Outgoing payments Outgoing payment made via electronic banking or generated by system* Entry within Sberbank CZ (including standing order and permitted direct debit entries) One-off item to another bank 5 Entry outside of Sberbank CZ (standing order, SIPO payment and permitted direct debit entries) 5 Entry via a PayU payment 5 Outgoing payment submitted on paper payment order Entry on standard or nonstandard paper payment order within Sberbank CZ 25 Entry on standard paper payment order outside of Sberbank CZ 50 Entry on nonstandard paper payment order outside of Sberbank CZ 75 Entries are charged on the last business day of the calendar month. * A payment generated by the system shall mean a payment executed on the basis of an application to establish a standing order, SIPO and permitted direct debit submitted electronically, via phone or personally in a branch Standing orders Standing order, SIPO, permitted direct debit in paper form Opening/change/closing 50 Standing order domestic, SIPO, permitted direct debit electronically Opening/change/closing Page 08

10 2. Payments 2.3 Domestic electronic payments Other Surcharge for express (priority) payment 200 Recall of a payment order (entry) upon previous agreement with the bank After receipt prior to maturity date On the maturity date after its receipt by the Bank nevertheless before its execution (upon previous agreement with the Bank) 150 Verification of a payment outside of Sberbank CZ at the client's request 250 Confirmation of payment execution 100 Advice note on payment order failure due to insufficient funds on account, payment order error or illegibility (entry) Electronically (Sberbank Online Banking) / via Infoterminal* By post 50 Change to a payment order due date 150 * The Infoterminal allows printing of advice notes about failed payment orders due to insufficient account funds (other types of advice notes are sent to clients via post). Page 09

11 2. Payments 2.4 Foreign electronic payments The Bank reserves the right to stipulate an exchange rate according to the current interbank market for charging incoming and outgoing payments and transfers within the Bank for amounts exceeding CZK 1,250,000 and the equivalent in other currencies. In case of fees determined by per cent, the amount of the payment transaction serves as the basis for the fee calculation Incoming payments BEN/SHA incoming payment From a foreign country in a foreign currency or in CZK From another domestic bank in a foreign currency From another domestic bank in CZK to an account held in a foreign currency Incoming payment within Sberbank/OUR incoming payment 0.9% of the amount, min. 150; max % of the amount, min. 150; max % of the amount, min. 150; max. 900 EU payment (incl. SEPA payment)* 150 Sberbank payment** Rouble payment*** 100 * EU payment an incoming payment from an EEC member state in EUR, not exceeding EUR 50,000 inclusive, and which includes the valid IBAN and BIC. SHA charges apply. SEPA payment payment in EUR with the same parameters as an EU payment, except for unlimited amount and recipient banks (SEPA banks only). SEPA payments not exceeding EUR 50,000 inclusive are charged as EU payments; SEPA payments exceeding EUR 50,000 are charged as incoming BEN/SHA payments. ** Sberbank payment an incoming payment in EUR, USD, RUB and CZK from Sberbank of Russia (Russia) and its subsidiary banks in Belarus, Kazakhstan, and Ukraine; and incoming payments in EUR and CZK from subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia, and Slovenia. *** Rouble payment incoming payment in RUB; excluding payments that meet the parameters of Sberbank payments. Page 10

12 2. Payments 2.4 Foreign electronic payments Outgoing payments Payment directed abroad in a foreign currency or in CZK 1%, min. 300; max. 1,700 Payment to another domestic bank in a foreign currency 1%, min. 300; max. 1,700 Surcharge for OUR payment* 1%, min. 300; max. 1,500 Payment within Sberbank CZ and payment in CZK from an account held in a foreign currency to an account at another domestic bank 0.5%, min. 50; max. 300 EU payment (incl. SEPA payment)** 250 Sberbank payment*** 100 Rouble payment**** 300 * The client pays all fees and the full amount is credited to the beneficiary ** EU payment an outgoing electronic standard (not urgent) payment to an EEA member state in EUR, not exceeding EUR 50,000 inclusive, and which includes the valid IBAN and BIC; SHA charges apply. SEPA payment payment in EUR with the same parameters as an EU payment, except for unlimited amount and recipient banks (SEPA banks only). SEPA payments not exceeding EUR 50,000 inclusive are charged as EU payments; SEPA payments exceeding EUR 50,000 are charged as payments directed abroad in a foreign currency or in CZK. *** Sberbank payment an outgoing payment in EUR, USD, RUB and CZK to Sberbank of Russia (Russia) and its subsidiary banks in Belarus, Kazakhstan, and Ukraine. Sberbank payments in RUB are not subject to OUR surcharges (other options are not supported in RUB currency); Sberbank payments made in the other currencies listed above are subject to an OUR surcharge of CZK 300. And outgoing payments in EUR and CZK from subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia, and Slovenia. **** Rouble payment an outgoing OUR payment in RUB (excluding payments that meet the parameters of Sberbank payments). Rouble payments are not subject to OUR surcharges. Page 11

13 2. Payments 2.4 Foreign electronic payments Other Recall or amendment of a payment order (entry) After receipt prior to maturity date On the maturity date after its receipt by the Bank nevertheless before its execution (upon previous agreement with the Bank) Change, correction, cancellation of an executed payment fees of other banks Surcharge for an express (urgent) payment 750 Confirmation of payment execution (SWIFT message) upon submission of the payment order 200 Confirmation of payment execution (SWIFT message) at the client s request after submission of the payment order Verification of a payment, change of instructions fees charged by the foreign banks Advice note on failed payment order (due to insufficient funds on account, payment order error or illegibility) Electronically (Sberbank Online Banking) By post 200 Surcharge for executing a payment after the cut-off time (always only upon previous agreement with the Bank)* 500 Fee for deletion of an electronic payment order due to insufficient funds 200 Sending MT 940 account statements from one account via SWIFT (monthly) 1,000 One-time fee for set up of MT940 account statements sent via SWIFT 1,000 Crediting a returned payment due to incorrect instructions given by the client 300 Surcharge for NON-STOP payment** 400 Surcharge for paper payment order (including transfers within Sberbank CZ) 300 Standing orders Foreign standing order (opening/changing/closing) 200 * See the leaflet Payment transaction deadlines. ** Surcharge for payments to EEC states (regardless of currency and within the Czech Republic in a foreign currency) without indication of valid BIC and IBAN, for all other payments without indication of the valid bank identification code (BIC or bank code, e.g. FW), and for manual correction of incorrect data or completion of missing data in a payment order or change of data entered in the wrong field. Page 12

14 3. Direct banking 3.1 Sberbank Online Banking Monthly use fee* 150 Cancellation of the service One-off charge for activation of safety token (1st and 2nd token for one client) One-off charge for activation of safety token (3rd and subsequent tokens for one client) 300 One-off charge for issue of safety envelopes One-off charge for issue of certificate 250 Renewal of security data 150 Issue of new token due to token expiration Issue of new token due to loss/theft/damage by client 450 * The fee is charged in full to all clients who order the Sberbank Online Banking service. 3.2 Smart Banking Monthly use fee Cancellation of the service 3.3 Homebanking Monthly use fee* 300 One-off charge for Gemini software (including installation and training)** 3,000 Additional user station 1,500 One-off charge for activation of safety token (1st and 2nd token for one client) One-off charge for activation of safety token (3rd and subsequent tokens for one client) 300 One-off charge for issue of safety envelopes Renewal of signature certificate/security data 150 Other services (repeat Gemini software training / reinstallation at client's premises upon client's request) Cancellation of the service 1,000 per hour of work * The fee is charged in full to all clients who order the Homebanking service. ** Valid only within the Czech Republic. Page 13

15 3. Direct banking 3.4 MultiCash Monthly use fee 1,000 One-off charge for installation 7,000 One-off fee for activation 3,000 Other services (repeat Multicash software training / reinstallation at client's premises upon client's request) Cancellation of the service 1,000 per hour of work Fees apply to one installation of software, which can serve any number of accounts held by multiple clients (multiple legal entities or individuals) at Sberbank CZ. 3.5 Informational text / messages Sending a SMS notification of periodic balance Sending a SMS notification of login to Sberbank Online Banking Sending a SMS notification of a change of balance Sending a SMS notification of an unauthorised overdraft Sending a SMS notification of an incoming transaction Sending a SMS notification of an outgoing transaction Sending a SMS notification that a card is ready for pick-up at branch Sending a SMS of internet transaction via payment card Sending a SMS of held item via payment card Sending a SMS of unsuccessful authorization of payment card transaction Sending an notification of periodic balance Sending an notification of login to Sberbank Online Banking Sending an notification of a change of balance Sending an notification of an unauthorised overdraft Sending an notification of an incoming transaction Sending an notification of an outgoing transaction Sending an notification that a card is ready for pick-up at branch Sending an notification of internet transaction via payment card Sending an notification of held item via payment card Sending an notification of unsuccessful authorization of payment card transaction Page 14

16 4. Payment cards 4.1 Debit cards Debit card maintenance (monthly fee) Business debit card* Maestro / VISA Electron 30 MasterCard Standard / VISA Classic 60 MasterCard Business / VISA Business 200 MasterCard Gold / VISA Gold 400 * The fee is charged on the last business day of the calendar month Debit card transactions ATM cash withdrawal using a Maestro / MasterCard / VISA Electron / VISA card From a Sberbank ATM in the Czech Republic 5 From a CSOB ATM in the Czech Republic 10 From the ATM of another bank or company in the Czech Republic 37 From a ATM abroad From a ATM abroad by Holiday card (business) % of the amount % of the amount Cash withdrawal at the bank counter (Cash Advance) Czech Republic 1%, min. 50 Abroad % Electronic payment for goods and services Page 15

17 4. Payment cards 4.1 Debit cards Ostatní Other Card issue Forgotten PIN issue of new PIN 160 ATM PIN change 35 ATM balance inquiry (ATMs of Sberbank CZ and ČSOB) ATM balance inquiry (ATMs of other banks and abroad) 9 Change to limit at the client's request* 70 Change to limit at the client's request for cardless payments Release of replacement cash abroad 3,000 Issue of a replacement card abroad 4,000 * Cash withdrawal/non-cash payment at merchant Page 16

18 4. Payment cards 4.1 Debit cards Insurance for debit cards Travel insurance Cardif Pojišťovna (monthly fee) Single 49 Family 79 Fraud insurance for payment cards Cardif Pojišťovna (monthly fee) Fraud insurance for payment cards 59 Travel insurance ČSOB pojišťovna (annual fee)***** Standard 300 Standard Family 900 Exclusive* 1,200 Exclusive Family 2,280 Gold** 1,800 Gold Family 3,000 Insurance against card loss/theft ČSOB pojišťovna (annual fee)***** Basic*** 180 Classic*** 480 Extra*** 840 D.A.S. legal protection insurance for drivers of motor vehicles (annual fee)**** 300 * Insurance is automatically included with MasterCard Busines and VISA Business payment cards included in card price. ** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards included in card price. *** Insurance cannot be arranged with Maestro card. **** Insurance is automatically included with Gold payment cards. ***** The fee is charged on the last day of the calendar month in which the client applied for payment card insurance. Validity of insurance is fixed to card validity (non-transferable). Page 17

19 5. Loans and guarantees 5.1 Business and corporate loans Acceptance and evaluation of a loan application Loan processing 1.5% of the loan amount, min. 7,500 Administration of limits for a multi-purpose line (monthly) 150 Loan administration (annual) Loans with maturity over 1 year up to CZK 9 million Loan with maturity over 1 year exceeding CZK 9 million Fee for extension of an operating loan provided for a definite period of time Fee for undrawn credit line Change to contractual conditions at the client's request (per change) Fee for provision of Land Registry record Individually Individually 1% of the loan amount, min. 5, % p.a. of the undrawn loan 1% of the current loan amount/limit, or of the amount of the change (whichever is greater), min. CZK 5,000 CZK % VAT (for Land Registry records consisting of 1 to 3 pages; for each subsequent page the fee is CZK % VAT) 5.2 Variant loan program Loan/facility application processing 1% of the loan/facility amount (min. 5,000) Loan/facility administration (annual) 5,000 Change to conditions at the client's request (per change) 8,000 Fee for immediacy of funds/from undrawn credit limit 0.9% p.a. of the undrawn loan The fees apply to to investment loans, overdraft facilities, revolving loans, documentary l/c facilities and bank guarantee facilities, if provided under the Variant loan programme. The aforementioned products can be also provided under a Multi-Purpose Line Agreement. Fees charged for separate bank guarantees are governed by Chapter 5.3 Guarantees. Fees charged for separate letters of credit are governed by Chapter 6 Documentary Payments. Fees charged for other loan products, guarantees and documentary payments are governed by the respective parts of the List of Fees. Page 18

20 5. Loans and guarantees 5.3 Guarantees Processing of bank guarantee facility 1.5% of facility amount, min. 7,500 Fee for issue of bank guarantee 5,000 Administration fee for a bank guarantee (annual) Up to CZK 9 million 5,000 Over CZK 9 million 15,000 Draft of nonstandard guarantee wording 2,000 Guarantee commission Individually (calculated as % p.a.of the guarantee amount), min. 1,500 Change to guarantee at the client's request 3,000 Advice note commission Collection commission 0.2% of the guarantee amount, min. 1,000 and max. 25, % of the guarantee amount, min. 1,000 and max. 25,000 Fee for SWIFT message 100 Fees of correspondent banks Paid in full by client 5.4 Financing of operations claim assignment Administration of claim assignment (monthly) Claims submitted electronically 1,000 Claims submitted in paper form 3, Loan promise under the EU Program Issue of a credit facility 5,000 Page 19

21 5. Loans and Guarantees 5.6 Real estate financing (developer and design work) Acceptance and evaluation of a loan application Loan processing Fee for reservation of funds Change to contractual conditions at the client's request Administration and maintenance of an account Property valuation for loans over CZK 30 million Individually Individually Individually Individually 5.7 Loans for housing cooperatives and flat owners associations** Acceptance and evaluation of a loan application Loan processing* Individually Maintenance of a loan account (monthly) 250 Administration of an overdraft line of credit (monthly) 250 Change to conditions at the client's request (per change) 2,000 Property valuation External valuation is paid by the client * The fee is due on the date the contract is signed, even when the amount is not drawn in full. ** Only for housing cooperatives and flat owners associations. Page 20

22 5. Loans and Guarantees 5.8 Property valuation by the Bank for loan application Fee for property valuation for loans up to CZK 30,000,000 Supervision update 8,000 Fee for property valuation for loans equalling or exceeding CZK 30,000,000 Valuation 20,000 Valuation update 12, Fees for breach of contract Fee for sending a reminder (warning) 1,000 Withdrawal from the contract due to loan default 1,000 Page 21

23 6. Documentary payments 6.1 Buyer documentary letter of credit Issue of pre-advice note on a L/C 500 Opening a L/C 0.1% for each full or partial month, min. 1,000 + individual risk surcharge Change to L/C conditions 1,000 Acceptance of documents 0.2%, min. 1,000 Deferred payment 0.1% for each full or partial 30 day period, min. 1,000 + individual risk surcharge Unused L/C 500 Errors in documents by supplier 1, Supplier documentary letter of credit Pre-advice note for a L/C 500 L/C advice note 0.2%, min. 1,000 Confirmation of a L/C, increase and/or extension of a confirmed L/C Individually Change to L/C conditions 1,000 Acceptance of documents/payment of L/C 0.2%, min. 1,000 Deferred payment only for confirmed L/Cs Individually Closing of L/C 500 Transfer of a L/C 0.25%, min. 1,000 Transfer of a L/C yield to a client's account at another bank 500 Promise of assignment of L/C yield 1,000 Page 22

24 6. Documentary payments 6.3 Import documentary letter of credit Issue of pre-advice note on a L/C 500 Opening a L/C 0.3%, min. 3,000 for the 1st quarter; 0.1%, min. 1,000 for each subsequent full or partial month + individual risk surcharge Change to L/C conditions 1,000 Acceptance of documents/payment of L/C 0.3%, min. 1,000 Deferred payment, acceptance of a bill of exchange 0.15%, min. 1,000 for each full or partial month + individual risk surcharge Unused L/C 1,000 Release of goods consigned to the bank 1,000 Errors in documents by supplier In USD USD 70 In EUR EUR Export documentary letter of credit Pre-advice note for a L/C 500 L/C advice note 0.2%, min. 1,000 Confirmation of a L/C, increase and/or extension of a confirmed L/C Individually Change to L/C conditions 1,000 Acceptance of documents/payment of L/C 0.3%, min. 1,000 Deferred payment, acceptance of a bill of exchange for confirmed L/Cs only Individually Closing of L/C 500 Transfer of a L/C 0.25%, min. 1,000 Transfer of a L/C yield to a client's account at another bank Fees are governed by Chapter 2.3 Electronic foreign payments Promise of assignment of L/C yield 1,000 Page 23

25 6. Documentary payments 6.5 Documentary collections Collection processing 0.2% min. 1,000; max. 20,000 Release of goods consigned to the bank 1,000 Providing for bill of exchange acceptance 500 Change to collection instructions 500 Providing for bill of exchange protest 1,000 and actual notary fees 6.6 Other SWIFT message 100 Fee for administration of documentary letters of credit (annually) Up to CZK 9 million 5,000 Over CZK 9 million 15,000 Page 24

26 7. Investments 7.1 Certificates Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates) Volksbank AG issues (OTC) Purchase Sale Redemption Coupon payments according to the conditions determined for an individual emission Citigroup Funding Inc. issues (OTC) Purchase Sale Payment upon maturity Coupon payment according to the conditions determined for an individual emission 500 (amount not considered) Publicly traded issues Purchase or sale 1.25% Redemption Coupon payments 0.3% of the transaction volume, min. EUR 1.50; max. EUR 50 fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR Investment certificates without maturity date (index certificates and other non-leverage certificates) Purchase or sale 1.25%, min. EUR 38 Page 25

27 7. Investments 7.2 Bonds Purchase or sale Domestic 0.6%, min. 180 Foreign 0.6%, min. EUR 50 Bond redemption Domestic Foreign fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Coupon payments Bonds or mortgage covered bonds issued by Sberbank CZ Domestic Foreign fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50, max. EUR 50 Page 26

28 7. Investments 7.3 Funds Volksbank Invest, ING Investment Management, HSBC Mutual funds Purchase of share certificates Money market mutual funds 30,000 up to 299,000 CZK 0.75% 300,000 up to 999,999 CZK 0.50% 1,000,000 CZK and more 0.35% Bond funds* 30,000 up to 299,000 CZK 2% 300,000 up to 999,999 CZK 1.75% 1,000,000 CZK and more 1.5% Equity Funds* 30,000 up to 299,000 CZK** 3.75% 300,000 up to 999,999 CZK 3% 1,000,000 CZK and more 2.75% Mixed, Guaranteed, Index, Click Funds 30,000 up to 299,000 CZK 2.75% 300,000 up to 999,999 CZK 2.50% 1,000,000 CZK and more 2.25% Sale of share certificates Transfer of share certificates within one of the investment companies listed above (fund change) Upon a change to a target fund with a higher sales fee Upon a change to a target fund with a lower sales fee Dividend payment from share certificates difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) * The minimum fee for purchase of Volksbank Invest Mutual Funds is EUR 10. ** Maximal fee for purchase of ING Investment Shares Funds denominated in EUR, USD and JPY is 3%. Page 27

29 7. Investments 7.3 Funds Guaranteed HSBC Growth Funds Purchase of share certificates Sale of share certificates before maturity 1.5% Transfer between HSBC guaranteed growth funds Redemption of share certificates ETF (Exchange Traded Funds) Traded issues in Austria and Germany (purchase or sales) 1.25%, min. EUR 50 Traded issues in other countries (purchase or sales) 1.25%, min. EUR Other mutual funds Implementation of trade through the public markets (purchase or sales) 1.25%, min. EUR 50 Implementation of trade through an investment company Purchase The fee is deal-specific and as such is specified upon request. Sales EUR 16 Page 28

30 7. Investments 7.4 Shares Purchase or sale Czech Republic 1.25%, min. CZK 100 Europe Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Spain 1.25%, min. EUR 38 Denmark 1.25%, min. DKK 300 Hungary 1.25%, min. HUF 20,000 Norway 1.25%, min. NOK 300 Poland 1.25%, min. PLN 330 Russia 1.25%, min. EUR 350 Greece 1.25%, min. EUR 150 Sweden 1.25%, min. SEK 350 Switzerland 1.25%, min. CHF 60 Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine 1.50%, min. EUR 100 Great Britain 1.25%, min. GBP % Stamp duty at purchase Slovenia 1.25%, min. EUR 50 Other countries Australia 1.25%, min. AUD 200 Hong-Kong 1.25%, min. HKD 1,000 Canada 1.25%, min. CAD 100 USA 1.25%, min. USD 50 other countries provided on request Dividend payment Domestic Foreign Shares split, reverse split, change of nominal value, decrease of registered capital fees of foreign administrators (custodian) = 0.30% of the transaction volume, min. EUR 1.50; max. EUR 50 Page 29

31 7. Investments 7.5 Other Securities trading Submission of an order Change of order parameters Cancellation of an order Administration of securities Maintenance of depository for securities annual depository report Annual depository statement, extra depository statement 0.2% p.a., min. CZK 200/depository (including 21% VAT) Custody transfers Domestic transfer to the depot transfer from the depot CZK 1,000/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) Foreign transfer to depot transfer from depot Subscription of newly issued shares Purchase/sale of rights (existing shareholders' right of first refusal for increase of registered capital) EUR 40/ transaction + costs of third parties (information on request according to a concrete requirement) According to fees on the market on which the subscribed title is traded According to fees on the market on which the rights are traded Extract from not registered in the Central Securities Depository 500 Page 30

32 8. Other banking services 8.1 Cheques Cashing a cheque issued by another bank (only for clients of Sberbank CZ) Crediting a cashed cheque to an account Returned cheque submitted for cashing 1%, min. 500; max. 2,000 + fees charged by other banks fees charged by other banks Cashing a pension sent periodically by foreign cheque 150 Sberbank CZ client cheques Issue of a cheque in CZK or a foreign currency 3 Cashing a cheque in a foreign currency Via transfer to an account at a foreign bank 1%, min. 100; max. 1,700 Via transfer to a client s account at Sberbank CZ 0.5%, min. 50; max. 300 Cashing a cheque in CZK Via transfer to an account at another bank in the Czech Republic 1%, min. 100; max. 1,000 Via transfer to a client s account at Sberbank CZ 50 Cashing a cheque in cash Up to CZK 250, Over CZK 250, % of the amount, max. 2,000 Returned client cheque due to insufficient funds 1,000 Upon submission at the Sberbank CZ cash desk Banker s cheques Issuing a bank cheque (USD or GBP only) 0.5%, min. 500; max. 5,000 Cashing a bank cheque from a correspondent bank payable at Sberbank CZ 1%, min. 100; max. 1,000 Other Recall of a cheque 300 Stop payment Returned unused cheque (crediting the amount back to an account) SWIFT costs fees charged by other banks Page 31

33 8. Other banking services 8.2 Banking information Provision of banking information about a Sberbank CZ, a.s. client At his own request At his own request for an audit 1,000 (+ 21% VAT) 2,000 (+ 21% VAT) Provision of banking information about a Sberbank CZ, a.s. client To clients of domestic and foreign banks (request via these banks) To other persons To the authorised person for execution of a decision (pursuant to Section 38, Article 6, Act 21/1992 Sb., on Banks) To a person who shall prove that s/he has incurred damages as the consequence of incorrect data given to the Bank and that without this information s/he was not able to exercise his or her right to release of unjustified enrichment as stipulated in the Civil Code (pursuant to Section 38, Article 6, Act 21/1992 Sb., on Banks) Provision of banking information about a client of another bank to a client of Sberbank CZ. a.s. 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request Compensation for actual costs + 1,000 (+ 21% VAT) per query 8.3 Safe deposit boxes Applies to rental of safe deposit boxes at the following branches: Prague Na Příkopě, Brno M-palác, České Budějovice, Hradec Králové, Ostrava, Prague Lazarská and Zlín and Karlovy Vary. For more information about availability, please contact the respective branch. Size of safe deposit box Up to 5,000 cm 3 Safe deposit box annual rental fee 600 (+ 21% VAT) 5,001 10,000 cm 3 1,000 (+ 21% VAT) 10,001 15,000 cm 3 1,500 (+ 21% VAT) 15,001 30,000 cm 3 2,500 (+ 21% VAT) 30,001 50,000 cm 3 4,000 (+ 21% VAT) 50,001 cm 3 + 9,000 (+ 21% VAT) Key deposit (2 keys) 2,000 Rent notice Storage of uncollected contents of a safe deposit box Fee for not vacating a safe deposit box after termination of the contractual relationship 100 CZK + 21% VAT 5,000/year (+ 21% VAT) According to the actual costs of vacating the safe deposit box Page 32

34 8. Other banking services 8.4 Day and night depositories Deposit for release of depository case and keys 3, Other Fees for services not included in the List of Fees For services not listed in the List of Fees* Crediting interest, transfer of deduction tax, charging prices for services 200 for each full or partial 15-minute period of work Fee for execution 150 * If services are not part of financial activities pursuant to Act No. 235/2004 Sb., on Value Added Tax, the Bank shall charge 21% VAT Joint provisions Information about other fees not included in this List of Fees is available upon request at Sberbank CZ, a.s. branches. Should you have any questions, please contact your branch advisor. In addition to fees in this List of Fees, Sberbank CZ, a.s. shall charge the client any fees that foreign or domestic banks or other organizations charge for operations carried out at the client s request, unless agreed otherwise in specific cases. Page 33

35 9. Inactive products and services 9.1 Payments Tariffs MEDIUM tariff Tariff maintenance (monthly)* 9 * The tariff fee replaces fees for the stipulated number of transactions included in the tariff. executed during a given calendar month over the stipulated transaction limit shall be charged pursuant to the relevant chapters of this List of Fees. The MEDIUM tariff includes these transactions: 3 cash withdrawals from Sberbank CZ or CSOB ATMs. 3 one-off domestic transactions executed through direct banking PREMIUM tariff Tariff maintenance (monthly)* 29 * The tariff fee replaces fees for the stipulated number of transactions included in the tariff. executed during a given calendar month over the stipulated transaction limit shall be charged pursuant to the relevant chapters of this List of Fees. The PREMIUM tariff includes these transactions: 2 cash withdrawals from Sberbank CZ or CSOB ATMs. 10 one-off domestic transactions executed through direct banking EXTRA tariff Tariff maintenance (monthly)* 49 * The tariff fee replaces fees for the stipulated number of transactions included in the tariff. executed during a given calendar month over the stipulated transaction limit shall be charged pursuant to the relevant chapters of this List of Fees. The EXTRA tariff includes these transactions: 6 cash withdrawals from Sberbank CZ or CSOB ATMs. 14 one-off domestic transactions executed through direct banking. Page 34

36 9. Inactive products and services 9.2 Payment cards Diners Club payment cards Fees for Diners Club payment cards are governed by the current price list of Diners Club Czech s.r.o. company, available at our branches. 9.3 Other banking services Cheques Traveller's cheques Purchase and sale of traveller s cheques 2%, min. 300 Surcharge for each cheque 9.4 Loans and guarantees Variant plus loan program Loan/facility application processing 1% of the loan/facility amount (min. 5,000) Loan/facility administration (annual) 5,000 Change to conditions at the client s request (per change) 8,000 Fee for immediacy of funds/from undrawn credit limit Investment loan administration (monthly) applies to loans provided by 3 October 2012 Maintenance of a current account with an overdraft line of credit (monthly) valid for lines provided by 3 October % p.a. of the undrawn loan 250 Option/ 300 Option PLUS 250 Option/ 300 Option PLUS The fees pertain to investment loans, combined mortgage loans, overdraft lines of credit and bank guarantee facilities. Fees for separate bank guarantees are governed by Chapter 5.3 Guarantees. Page 35

37 Infolinka