Tariffs and Conditions for Payment Services

Transcription

1 AO0203SKEN018 Tariffs and Conditions for Transaction Services December 2016 Tariffs and Conditions for Payment Services ING Bank N.V., pobočka zahraničnej banky Effective as of 20 December 2016 ING is one of the largest providers of financial products in Europe. ING offers Clients financial products in payment services, loans, mortgages and investments. In addition ING acts as an intermediary in insurances and pensions. These Tariffs and Conditions for Payment Services are effective as of 20 December 2016 and supersede as of their effectiveness the Tariffs and Conditions effective as of 1 January 2016 and 15 February The tariffs and conditions in this brochure are applicable to the Payments Services offered by ING Bank N.V. pobočka zahraničnej banky. Rates offered in this brochure are subject to change. All fees shown in this brochure are exempt from VAT unless expressly stated otherwise. Exchange rates can be found via your local ING Office.

2 Tariffs Accounts Current account (in local or foreign currency) Opening 0.00 Maintenance 7.00 per month International Account Service per month, per account For non-residents Closing per account Credit interest % - per annum Actual interest rate applicable 1 Debit interest % - Subject to agreement 2 Debit interest for unauthorised overdraft/ unauthorised Debit Balance % per annum Plus The Reference/ local Screen Rate for respective currency 3 Capital contribution account 0.00 per month Opening, maintenance, issuing and sending of monthly, quarterly statements. Escrow account - per month Upon agreement. Channels Multicash Implementation - Subject to agreement. Subscription - Subject to agreement. Also supporting EBICS InsideBusiness Payments CEE Subscription fee per month, per company User registration fee per item Service Costs Installation and training per hour VAT is applied according to the valid Slovak VAT law Service per hour Additional I-Dentity Card per item Incl. Smart Cards. Additional I-Dentity Card reader per item Incl. Smart Card readers. VAT is applied according to the valid Slovak VAT law PIN unblocking per occurrence Amendment of user s access right and limits 7.00 per user Also for temporary amendments Confirmation of user rights 2.00 per user InsideBusiness Payments CEE Regional Site Subscription fee per month, per company Other channels Paper payment delivery per transaction Plus credit transfer fee 1 The interest rate applied to the Credit Balances on the Client s current accounts is an interest rate published by the Bank in the Bank s premises and on the Bank s Website, whereby the Bank is entitled to change such interest rate depending on the changes on the relevant interbank market and the Bank s business policy. 2 In case the calculation of the interest rate in the individual agreement between the Client and the ING Office in Slovakia is based on the Reference/ local Screen rate of the Bank, the calculation of the reference rate equals to the calculation in comment no The Reference /local Screen Rate means the interest rate of the Bank applied to debit balances on the Client s current account and unauthorised overdrafts on the Client s current account and is published in the Bank s premises and on the Bank s Website. The Bank is entitled to change such interest rate depending on the changes on the relevant interbank market and the Bank s business policy. The Reference/local Screen Rate means the interest rate for individual currencies determined by the Bank and it is based on the external reference rates for individual currencies. For every relevant currency, the Bank determines the Reference/local Screen Rate on weekly basis. The Reference/local Screen Rate is determined on the last Business Day of a week and is applicable for the whole following week starting on the first Business Day. AO0203SKEN018 Tariffs and Conditions for Transaction Services December

3 Account, Balance and Transaction Reporting Electronic reporting Intraday 0.00 per month Via IBP CEE Intraday To ING branches per month MT900/MT910, MT942, MT942 ZKA, MT941 Intraday To third bank per month MT900/MT910, MT942, MT942 ZKA, MT941 End of Day 0.00 Via IBP CEE CAMT 053 End of Day To ING branches MT940, MT940 ZKA End of Day To third bank (daily) per month Or after movement. MT940, MT940 ZKA, MT950 End of Day To third bank (weekly) 9.96 per month MT940, MT940 ZKA, MT950 End of Day To third bank (monthly) 4.98 per month MT940, MT9420 ZKA, MT950 Paper account statements Paper statement issuing Quarterly 1.66 per month Paper statement issuing Monthly 2.32 per month Paper statement issuing Weekly 2.99 per month Paper statement issuing Daily 3.98 per month Or after movement Paper statement sending Quarterly 1.00 per month Paper statement sending Monthly 1.66 per month Paper statement sending Weekly 2.32 per month Paper statement sending Daily 4.65 per month Or after movement Paper statement sending Inland by fax 1.99 per page Paper statement sending Abroad by fax 4.98 per page Paper statement sending Hold mail 0.00 Paper statement replacement issuing 3.50 per statement Up to 6 months 6.00 per statement Above 6 months Paper statement replacement sending 2.00 per statement By post PDF reporting Daily, weekly, monthly or quarterly Monthly interest statement 3.32 monthly 2.00 per page By per month By (in unencrypted pdf format) 0.00 per month Via ING IBP CEE/ING Online Credit transfer SEPA credit transfer Next day 0.20 per transaction Same day per transaction 2.00 per transaction By SWIFT MT103, MT200, MT202, MT203 Real Time per transaction Via Target2 (with code word TREA) Intra-company 0.20 per transaction Only to third banks ING In-house 0.00 per transaction Domestic only Incoming 0.00 per transaction International credit transfer Two days per transaction per transaction Only RUB 4 Valid for following SWIFT addresses: BBRUBEBB, INGBFRPP, INGBNL2A, BBRUESMX, BBRUPTPL, BBRUNL2X, INGBGB2L, INGBGB22, INGBGB2S, INGBITMM, INGBATWW, INGBDEFF, HBKABE22, INGBUS33, INGBUS3N, INGBSKBX, INGBPLPW, INGBROBU, INGBHUHB, INGBIE2D, INGBIE3D, INGBUAUK, INGBRUMM, INGBCZPP, INGBBGSF, INGBNL2S, INGBBRSP, BKMGNL2A, INGBSGSG, INGBHKHH, INGBPHMM, INGBJPJT, INGBKRSE, INGBCNSH, INGBTWTP,INGAAU2S, INGBAU2A. AO0203SKEN018 Tariffs and Conditions for Transaction Services December

4 Same day per transaction 2.00 per transaction By SWIFT MT103, MT200, MT202, MT203 Real Time per transaction Via Target2 (with code word RTGS) Intra-company per transaction Only to third banks ING In-house Two days 1.66 per transaction Only CZK ING In-house Same day 3.32 per transaction Only CZK Incoming SHA or BEN 0.00 per transaction per transaction Transaction in RUB Incoming OUR % 0.50 per transaction Min. 9.96, max Credit transfer R-messages Recall 0.00 per occurrence Plus investigation costs Repair 5.00 per occurrence Based on client s request; before settlement Revocation 5.00 per occurrence Cancellation, based on client s request; before settlement Return of international credit transfer to the initial sender Client s request for return of credit transfer SEPA credit transfer Client s request for return of credit transfer International credit transfer per occurrence Debited from the amount of the returned payment per item Plus charges of correspondent banks per item Up to 3 months. Plus charges of correspondent banks per item More than 3 months. Plus charges of correspondent banks Other Services Audit letter per confirmation VAT is applied according to the valid Slovak VAT law Bank reference per confirmation VAT is applied according to the valid Slovak VAT law Providing information about the Client to competent authorities according to applicable laws - Actual costs apply. VAT is applied according to the valid Slovak VAT law Standing Order SEPA 0.20 per transaction Plus credit transfer fee Standing Order International per transaction Plus credit transfer fee Manual intervention per occurrence With NOSTP instruction Payment refusal notification 5.00 per occurrence Sending of SWIFT messages MT101 - Subject to agreement Manual processing charged by other bank - Upon request of these institutions Missing or incorrect data per occurrence E.g. IBAN or BIC Fee of other institutions applied to credit transfers with charges instruction OUR - According to their valid tariffs. Inquiry and investigations per occurrence Up to 3 months. Plus charges of correspondent banks Back valuation within the accounts with ING Office in Slovakia Confirmation of credit from beneficiary bank/client s request from more details Fee for payment within execution per transaction per occurrence More than 3 months. Plus charges of correspondent banks per item Plus relevant interest rate determined by the Bank per item Plus charges of the correspondent bank Proof of payment per transaction per confirmation AO0203SKEN018 Tariffs and Conditions for Transaction Services December

5 Other forms of confirmation per confirmation VAT treatment see 5 Providing of general economic/bank information upon the Client s request Written notice for a breach of the relevant agreement between Client and Bank per item VAT is applied according to the valid Slovak VAT law. Plus the actual costs per item Sent by fax or post. VAT treatment see 5 Postage expenses - Actual costs apply. VAT treatment see 5 Courier service - Actual costs apply. VAT treatment see 5 Fax / 1 page Inland 1.99 VAT treatment see 5 Fax / 1 page Europe 4.98 VAT treatment see 5 Fax / 1 page Other countries 9.96 VAT treatment see 5 Other Bank service - per agreement Actual costs apply. VAT treatment see 5 RIS Set-up 0.00 Remote Initiation Service (RIS) RIS Maintenance 0.00 per month RIS MT101 from third bank 0.00 per message Plus fee per individual transaction Direct Debit SEPA Direct Debit (as creditor) Transaction 0.20 per transaction Core and B2B ING In-house 0.00 per transaction Core and B2B, domestic only SEPA Direct Debit R-messages (as creditor) Return 5.00 per occurrence Reject 5.00 per occurrence Refusal 5.00 per occurrence Refund authorised collection 5.00 per occurrence Core Refund unauthorised collection per occurrence Core SEPA Direct Debit additional services and Assignment of CID per occurrence Change in CID register per occurrence SEPA Direct Debit (as debtor) Transaction 0.20 per transaction Core and B2B ING In-house 0.00 per transaction Core and B2B, domestic only SEPA Direct Debit additional services and Mandate revocation 5.00 per occurrence Mandate amendment 5.00 per occurrence Mandate copy per occurrence Unjustified request for refund per occurrence Cash Management Domestic Cash Balancing (Intraday and End of Day) Set-up - Subject to agreement. Maintenance - Subject to agreement Domestic Automated transactions Set-up 0.00 Maintenance per month International Cash Management The fees and commissions for International Cash Management are subject to separate agreements. 5 VAT treatment is applied in compliance with the tax regime of the financial service within which the service is provided; if the service is not provided within a financial service the VAT is applied in accordance with the Act on VAT. AO0203SKEN018 Tariffs and Conditions for Transaction Services December

6 Cards Corporate Card 6 Corporate Card, corporate pay per year Emergency provision per card Purchases In EUR 0.00 per transaction Purchases In non-eur 0.00 per transaction Plus 1.95% foreign exchange fee 7 Cash advance From ATM in EUR 4.50 per transaction Cash advance From ATM in non-eur 4.50 per transaction Plus 1.95% foreign exchange fee 7 Cash advance Via counter in EUR % 3.00 per transaction Cash advance Via counter in non-eur % 3.00 per transaction Min Plus 1.95% foreign exchange fee 7 Late payment charge % 1.50 of the outstanding Paper-based account statement 0.00 per statement Copy of paper-based account statement 8.00 per statement Including VAT ING Corporate Card Solution The fees and commissions for other additional services (e.g. like extended SmartData reporting) are subject to separate ING Purchase Control The fees and commissions are subject to separate agreement. Information about ING Purchase Control can be found at 6 The corporate card product is offered by ING Bank N.V., registered office Amsterdam, Trade Register no , Chamber of Commerce Amsterdam, The Netherlands. 7 The foreign exchange fee is incorporated in the amount of the transaction. The currency conversion rates are published at AO0203SKEN018 Tariffs and Conditions for Transaction Services December

7 Cut-off-times (COT) and Settlement Dating Credit Transfer Currency COT-(CET) Book date Settlement SEPA credit transfer Next day EUR 17:00 D D+1 Same day EUR 11:00 D D Real Time EUR 16:00 D D Intra-company EUR 17:00 D D+1 ING In-house (domestic) EUR 17:00 D D Paper based Next day, Intra-company EUR 12:00 D D+1 Paper based Same day EUR 10:00 D D Paper based Real time EUR 12:00 D D Paper based ING In-house (domestic) EUR 17:00 D D Same day MT103, MT200, MT202, MT203 EUR 16:00 D D Incoming - D - International credit transfer Two days Any 14:00 D D+2 Same day EUR, USD 11:00 D D CZK 10:00 D D Real Time EUR 16:00 D D ING In-house Two days CZK 14:00 D D+2 ING In-house Same day CZK 10:00 D D Intra-company Any 14:00 D D+2 Paper based Two days Any 12:00 D D+2 Paper based Same day EUR, USD 10:00 D D Paper-based Real Time EUR 12:00 D D Paper based Intra-company Any 12:00 D D+2 Same day MT103, MT200, MT202, MT203 EUR 16:00 D D Incoming Any - D - USD 15:00 D - GBP 17:00 D - Direct Debit Currency COT-(CET) Book date Settlement SEPA Direct Debit Transaction (as creditor) EUR 17:00 D-2 D D Transaction (as debtor) EUR - D D SEPA Direct Debit R-messages Refusal EUR 14:00 D-1 D Mandate block settings EUR 14:00 D-1 D Mandate set-up, revocation or amendment EUR 14:00 D-16 D AO0203SKEN018 Tariffs and Conditions for Transaction Services December

8 Conditions Business Days Information regarding Business Days and the execution of Payment Services can be found on Information regarding TARGET closing days can be found on: 1. Cooperation of the Client 1.1 Upon request of the Bank the Client shall and shall procure that each User shall secure that documents submitted to the Bank will be verified and apostiled or superlegalized. 1.2 The Client represents that it has no special relationship with the Bank under Section 35 of the Act on Banks (Act No. 483/2001 Coll., as amended). 2. Manner to initiate Payment Orders in writing 2.1 This Clause 2 only applies to Payment Orders initiated by the Client, except for initiation of SDD collections. 2.2 A Payment order in writing may be submitted to the Bank personally or via post in the closed envelope marked as PPplease do not open to the address referred to in these Tariffs and Conditions and to the attention of Client Services Department. 2.3 A Payment Order in writing may be submitted to the Bank by fax or provided the Client submitted to the Bank a letter of indemnity in the form and with the contents required by the Bank. The Bank may, but is not obligated to, execute such a Payment Order. 3. Verification of Payment Orders by telephone Prior to execution of any Payment Order, the Bank may verify it by making a telephone call at the telephone number notified in writing by the Client to the Bank. The Bank is entitled to treat any such verification as valid where the person responding to such call is or purports to be the User. The Bank shall proceed with regular due care. In case verification of the Payment Order cannot be done according to this Clause, the Bank may refuse to execute the Payment Order. 4. Start of the execution of Payment Orders The ING Office in Slovakia only executes a Payment Order having the instruction to start execution of the Payment Order on a specific day, or recurring Payment Order or a Payment Order without the execution date. 5. Special conditions for execution of Payment Transactions 5.1 The Bank is entitled to define special terms and conditions for the execution of particular transfers of funds or direct debits, especially for transfers of funds or direct debits to certain countries or certain beneficiaries, for example: a) the submission of auxiliary documents or materials, b) the change of currency of transfer in certain substantiated circumstances, or c) the submission of a letter of indemnification to the Bank. 5.2 The Bank is entitled for an inevitable time period mainly due to operational reasons to set special conditions for the execution of fund transfers, or direct debits primarily to change the method, Cut-Off Times and/or timelines for execution of Payment Transactions. Such special conditions shall be notified to the Client by the Bank by publishing them on the Bank s Website and at the Bank s premises. 5.3 The Bank may (fully or partially) (i) refuse to execute or forward and/or (ii) suspend execution or forwarding of any of the Client s Payment Orders, if the Client fails to perform its any due obligations towards the Bank or otherwise fails to perform its any obligations or if the Client does not comply with the Bank s request to provide collateral (or to increase the amount or the value of existing collateral). 6. Revocation of Payment Orders A Payment Order can be withdrawn in writing or in any other manner as indicated by the Bank. 7. Currency of the Account and execution of foreign currency Payment Orders Currencies in which Payment Orders are executed by the ING Office in Slovakia and exchange rates of ING Office in Slovakia are specified and published at the Bank s premises and at the Bank s Website. 8. Direct Debit The Client s request for revocation or amendment to the Client s mandate for a Direct Debit given to the ING Office in Slovakia, request for refusal of the Direct Debit and request to apply or revoke the general Direct Debit block can be submitted in writing or in any other manner as indicated by the ING Office in Slovakia. For avoidance of doubt any Client s mandate for a Direct Debit given to the ING Office in Slovakia will be deemed to be a revocation of the general Direct Debit block, if any. 9. Refund of Direct Debit The Client s request to refund a Direct Debit can be submitted in writing or in any other manner as indicated by the ING Office in Slovakia. 10. Fees and expenses 10.1 In reasonable cases the Bank is entitled to drop the billing of any or all fees, or to charge fees in an amount different from the fees amount specified in these Tariffs and Conditions. In such cases the Bank bills the Client with fee/fees specially agreed with the Client Credit Balance Fee, if applied by the Bank, is specified in these Tariffs and Conditions or on the Bank s internet site. The Bank is entitled to change the Credit Balance Fee depending on the changes on the relevant interbank market and the Bank s business policy and such change can be applied by the Bank with immediate effect and without prior notice. 11. Credit Interest Credit interest will be calculated on the basis of the exact number of elapsed days and a year having 360 days. The AO0203SKEN018 Tariffs and Conditions for Transaction Services December

9 interest payable by the Bank to the Client will be due and payable in arrears on the first day of the calendar month or at such other times that the Bank may agree with the Client. Interest paid on Credit Balance on current account is at ING s discretion and interest rates are available on the Bank s Website and in the Bank s premises. 12. Debit interest and unauthorised Debit Balance 12.1 If, for any reason, any of the Client s Account kept with ING Office in Slovakia shows a negative (debit) balance and the Client has no credit limit agreed, interest for unauthorised Debit Balance shall be accrued on the amount of such Debit Balance Debit interest will be calculated on the basis of the exact number of elapsed days and a year having 360 days. The interest payable by the Client to the Bank will be due and payable in arrears on the first day of the calendar month or at such other times that the Bank may agree with the Client. All costs, including any legal fees relating to the collection of an unauthorized overdraft of the Account will be paid by the Client The Bank reserves the right, at any time, to withdraw the Client s right to overdraw the Account and/or require the Client to repay or reduce the debt related to the overdraft on the Account. 13. Charging principles for international Payment Transactions Upon a special Client s request, the Bank may execute the Payment Transaction which satisfies the conditions of application of the SHA charging instruction according to the relevant provisions of the Conditions, with the OUR charging instruction. The Bank is authorized to charge a Fee for application of the OUR charging instruction for such Payment Transaction according to these Tariffs and Conditions. 14. Statements 14.1 The information on the Available Balance provided by the ING Office in Slovakia on the Account Statement is information regarding to the balance of the own funds of the Client. If this balance is a negative balance, information on the available balance is information regarding to the amount that the Client owes to the Bank If the Client has requested to collect the Account Statements personally the Bank shall retain the Account Statements on behalf of the Client at the Bank. The Bank shall consider such Account Statement delivered on the day of its issue. The Client shall collect Account Statements at the Bank s premises at least once a year, but always by the end of the month following the calendar year. The Bank shall give Account Statements only to the persons authorized for this purpose and after the Bank verifies their identity. If the Client does not collect the Account Statements after the expiration period, the Bank is authorized to send them to the Client by post at the Client s expenses. The Bank shall not be liable for any losses or damage that the Client may incur as a result that the Client does not know about the Account balance or credit and debit activity on the Account or because the Client collects Account Statements in the Bank or that the Client has not collected them. 15. Communication Notifications sent to the Client by mail may be sent as ordinary mail or registered mail and are regarded delivered upon expiry of seven (7) days after dispatch. Notifications sent to the Client by advice of delivery (return receipt) are considered delivered upon receiving the confirmation of delivery. If the mail by advice of delivery is not collected it is regarded delivered on the reported day of deposition even though the recipient did not get to know about the deposition. 16. Absence of payee s account with the Bank The Bank does not provide services of receipt of funds for persons who do not have an Account or a deposit account opened with the Bank. 17. Deposits protection The Client s deposits are protected to the extent and under the conditions set forth by the Dutch deposits system ( Deposit Guarantee Scheme ) in accordance with legislation of the Kingdom of the Netherlands as amended or superseded. More detailed information on the deposits protection system is available at the Bank s premises and on the Bank s Website. 18. SDD collection 18.1 Unless otherwise agreed, the instruction for SDD collection must be sent to the Bank via the ING Channel agreed between the Client and the Bank The Bank has no obligation to check in the instruction for SDD collection any discrepancies between the Account number provided and other details that identify the Client, such as the Client s name or registered office/address. 19. Capital contribution account 19.1 The Bank can open a capital contribution Account (hereinafter referred to as the Capital Contribution Account ) for a legal person that is to pay money deposit into jointstock capital before its entry into the Companies Register (hereinafter referred to as the Client under establishment ) upon certified copy of corporation contract, partnership agreement or foundation deed in the form of notarial deed on legal act, if such is required by law, by concluding the Agreement with the depositor of money deposit or the person authorized to act on behalf of the Client under establishment in compliance with legal regulations. The Agreement can be terminated or amended only upon submission of changes made to the particular documents referred to in this section except for cases specified in sections 3 and 4 herein The depositor of the money deposit is not authorized to dispose of the funds on the Capital Contribution Account. The signature card shall not be signed for the Capital Contribution Account. The Bank shall issue confirmation of money deposit upon request of the depositor. AO0203SKEN018 Tariffs and Conditions for Transaction Services December

10 19.3 In case the Client under establishment is not incorporated in the Companies Register the Bank shall terminate the Capital Contribution Account as well as the Agreement upon the state authority decision submitted in original or verified copy or upon other relevant document and shall return the money deposit to the depositor If the Client under establishment is incorporated in the Companies Register the Bank shall change the Capital Contribution Account to the Account after submission of the transcript from the Companies Register, notification of the statutory body of the Client about approval of legal acts related to opening and maintenance of the Capital Contribution Account and other documents required by the Bank Capital Contribution Account shall be otherwise governed by the provisions of the ING Conditions for Payment Services as amended from time to time (the ICPS ) accordingly. 20. Disputes 20.1 The Client and the Bank may agree that any mutual disputes arising between them, will be resolved by the Permanent Arbitration Court of the Slovak Bank Association with its seat in Bratislava. In accordance with the Slovak act on arbitration proceedings, the Client and the Bank may agree in the arbitration clause that upon request of either of them, the arbitration award may be reviewed by another arbitrator (arbitrators) Any delivered arbitration award which cannot be reviewed has the same effect for the Client and the Bank as a final decision of the court. By filling an action with the relevant court, the Client and the Bank may claim to cancel the domestic arbitration award, but only from reasons stipulated in the Slovak act on arbitration proceedings. 21.Language 21.1 If these Tariffs and Conditions are provided to the Client in another language than English the English language version will in case of conflict prevail The communication between ING and the Client will take place in the English language, Czech language or, at the Bank s discretion, in the Slovak language, unless agreed in writing that all or part of the communication and/or provision of which are in a language other than the Slovak language are at the Client s expense translated into the Slovak language by a sworn translator acceptable for ING. 22. Right of set-off The ING Office may set-off any claims (whether or not such claims are due or undue, current, conditional or future, or lapsed) regardless of whether the ING Office lodged whatever request related to the claims that the ING Office has or may have against the Client, irrespective of the place of performance, branch or the currency of the relevant claims against any claims that the Client may have against the ING Office including any claims from any Accounts of the Client regardless of whether such claims are due, current, conditional or future, or lapsed. The ING Office has the right to use the Client s financial means on any Account for set-off against its claims against the Client regardless of whether such claims arise in connection with the Account of the Client, from the same legal relationship and disregarding the currency in which they are denominated and debit any sums payable by the Client to the ING Office from any Account irrespective of the Available Balance on the relevant Account and irrespective whether this would generate an unauthorized Debit Balance. Claims denominated in a foreign currency shall be set-off at the exchange rate on a day of set-off as determined by the ING Office. The ING Office may exercise its right of set-off even if the Client s claim on the ING Office or the ING Office s claim on the Client is not yet due and payable. 23. Due date of Tariffs 23.1 The fees payable per month will be debited by the Bank from the Client s account on 24th day in every calendar month. If this day is not a Business Day, then on the last Business Day preceding the 24th day in such a calendar month. The Bank will commence to charge the Account maintenance related fees payable per month in the first calendar month following the calendar month in which the relevant Account was opened For the services where fees shall be payable per month in advance, the fee will be debited by the Bank from the Client s Account for the first time at the day of the execution of the service and then for each consequent calendar month at the latest on the 10th Business Day of the relevant calendar month. Such a fee will be calculated: (i) for the first time on the day of the execution of the service until the end of the calendar month in which the service was executed; and (ii) for each consequent calendar month, at the beginning of such a month; 23.3 One-time fees are payable no later than on the first Business Day following the execution of the relevant service The fees of other banks shall be payable on the day of receiving the request for reimbursement of the fee by the Bank Credit Balance Fee payable by the Client to the Bank will be due and payable in arrears on the first day of the following calendar month or at such other times that the Bank may notify to the Client. 24. Change of Tariffs and Conditions 24.1 Subject to clause 24.2 these Tariffs and Conditions may be amended and/or supplemented in accordance with the provisions of the ICPS applicable for the amendment or the supplement of the Tariffs and Conditions The part of these Tariffs and Conditions designated as "Conditions" may be amended and/or supplemented in accordance with the provisions of the ICPS applicable for the amendment or the supplement of the ICPS The amended or replaced Tariffs and Conditions and the date on which the amended or replaced Tariffs and Conditions will be effective, will be made available at the Bank s premises or published on the Bank s Website The provisions of sections 6, 8(3), 10, 12 14, 22 and (except for subsections 44(2) and 44(3)) of the Slovak Act AO0203SKEN018 Tariffs and Conditions for Transaction Services December

11 No. 492/2009 Coll. on Payment Services, as amended, shall not apply to any relation between the Bank and the Client under any Payment Services Document. Privacy Statement The privacy statement applicable between the ING and its Clients is available online: Complaint Procedure 1. Procedure regarding the settlement of claims and complaints in relation to execution of the Payment Services is governed by the Claims Regulation of ING Bank N.V., pobočka zahraničnej banky (hereinafter referred to as the Claims Regulation ). The Claim Regulation is available at the Bank s premises and on the Bank s Website. 2. The Bank has the right to amend the Claims Regulation depending on the changes of the respective legal regulations or the Bank s business policy. The Bank shall notify the Client about such amendment and its effectiveness by making it available at the Bank s premises and publishing it on the Bank s Website. 3. The Bank accepts claims and complaints related to Payment Services in the Bank s premises at the address specified for delivery of claims of Payments Services in these Tariff and Conditions only during the office hours. Claims related to Payment Services may be given to the Bank verbally, by phone, by fax or by , taking into consideration form of a Payment Service provided. On delivery of a claim to the Bank a confirmation will be given to the Client by the Bank. Any other conditions related to claims procedure related to Payments Services are defined in the Claims Regulation. 4. The Client may submit the complaint in connection with the provision of Payment Services by the Bank to the National Bank of Slovakia if the Client believes that the Slovak act on payment services or any other legal regulation which governs providing Payment Services has been breached. 5. Address for delivery of claims and complaints ING Bank N.V., pobočka zahraničnej banky, Pribinova 10, Bratislava, the Slovak republic. AO0203SKEN018 Tariffs and Conditions for Transaction Services December

12 AO0203SKEN018 Tariffs and Conditions for Transaction Services December 2016 Want to know more about ING? Visit or contact your local ING Office Client Services Business Hours Available to the Client at the Bank s premises and on the Bank s Website Business Days Monday to Friday (excluding bank holiday and other public holiday) Contact details ING Bank N.V., pobočka zahraničnej banky Pribinova Bratislava Slovakia SWIFT BIC INGBSKBX Website and Customer Service Desk Telephone , Fax Address client.services@ing.sk ING Bank N.V., Bijlmerplein 888, 1102 MG Amsterdam, the Netherlands, company limited by shares, registered in the Trade Register of the Chamber of Commerce and Industry for Amsterdam under file No acting through ING Bank N.V., pobočka zahraničnej banky, Pribinova 10, Bratislava, identification number: , registered in the Commercial Register of Bratislava I District court, section Po, inserted file No. 130/B ( hereinafter referred to as the ING Office in Slovakia or the Bank )