SERVICE CHARGE LIST. of SLOVENSKÁ SPORITEĽŇA, A. S. PART C)

Transcription

1 SERVICE CHARGE LIST of SLOVENSKÁ SPORITEĽŇA, A. S. PART C) NATURAL PERSONS ENTREPRENEURS AND LEGAL PERSONS SERVED BY THE SALES DEPARTMENTS OF THE CORPORATE BANKING LINE 1 of 27

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 Average monthly Account balance the sums of Account balances of the Client as at the end of each day in the respective calendar month divided by the current number of days in the calendar month DCC Dynamic Currency Conversion = A fee for accepting the offer to clear in EUR a foreign currency ERSTE GROUP financial group for Payment Cards transaction carried out at a special exchange rate set by other bank. This applies to both cash and non-cash transactions. This applies to both cash and non-cash card transactions. Bank Name Erste Bank der Österreichischen Sparkassen AG Tiroler Sparkasse Bank AG Innsbruck Niederoesterreichische Sparkasse AG Die Zweite Wiener Vereins-Sparkasse AG Salzburger Sparkasse Bank AG Sparkasse Bank dd Bosna i Hercegovina Česká spořitelna, a.s. Erste Bank AD Podgorica Erste & Steiermärkische Bank d.d. Sparkasse Bank Makedonija AD Skopje Erste Bank Hungary NYRT. Banca Comercială Română Chisinău Banca Comercială Română, S.A. Erste Bank Serbia, a.d. Country Austria Austria Austria Austria Austria Bosnia and Herzegovina Czech Republic Montenegro Croatia Macedonia Hungary Moldavia Romania Serbia ERSTE GROUP financial group for Payment Services BIC SWIFT Code Bank Name Country GIBAATWW Erste Bank der Österreichischen Sparkassen AG Austria GIBAATWG Erste Group Bank AG Austria GIBACZPX Česká spořitelna, a.s. Czech Republic ESBCHR22 Erste & Steiermärkische Bank d.d. Croatia GIBAHUHB Erste Bank Hungary Zrt. Hungary RNCBROBU Banca Comercială Română, S.A. Romania GIBASKBX Slovenská sporiteľňa, a.s. Slovak Republic GIBARS22 Erste Bank a.d. Novi Sad Serbia 2 of 27

3 FIT 2.0 banks for Payment Services BIC SWIFT Code Bank Name Country GIBAATWW Erste Bank der Österreichischen Sparkassen AG Austria GIBAATWG Erste Group Bank AG Austria KRECAT2G Bankhaus Krentschker & Co. AG Austria KSPKAT2K Kärtner Sparkasse AG Austria SBGSAT2S Salzburger Sparkasse AG Austria SPHBAT21 Niederoesterreichische Sparkasse AG Hainburg Austria STSPAT2G Steiermärkische Bank und Sparkassen AG Austria SPIHAT22 Tiroler Sparkasse Bank AG Innsbruck Austria GIBAAT21 Die Zweite Wiener Vereins-Sparkasse AG Austria ABSBBA22 Sparkasse Bank d.d. Bosnia and Herzegovina GIBACZPX Česká spořitelna, a.s. Czech Republic OPPOMEPG Erste Bank AD Podgorica Montenegro ESBCHR22 Erste & Steiermärkische Bank d.d. Croatia GIBAHUHB Erste Bank Hungary Zrt. Hungary INSBMK22 Sparkasse Bank Makedonija AD Macedonia RNCBMD2X Banca Comercială Română Chişinău S.A. Moldavia RNCBROBU Banca Comercială Română, S.A. Romania GIBASKBX Slovenská sporiteľňa, a.s. Slovak Republic KSPKSI22 Banka Sparkasse d.d. Slovenia GIBARS22 Erste Bank a.d. Novi Sad Serbia SEPA countries EEA member countries: Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Netherlands, Croatia, Ireland, Iceland, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Hungary, Germany, Norway, Poland, Portugal, Austria, Romania, Slovakia, Slovenia, Spain, Sweden, Italy, United Kingdom of Great Britain and Northern Ireland. 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. 3 of 27

4 In addition In addition fee reduction Payment operations Cards EB Services Account 1) Current accounts a) Business Accounts PRODUCTS AND SERVICES INCLUDED IN THE ACCOUNT PRICE Corporate Account Basic Corporate Account Plus Corporate Account Extra Opening and maintenance of account in EUR Creating an unlimited number of Standing Payment Orders and Establishment / activation 1/ of Consents to direct debit at the Branches or through Electronic Services Change / cancellation of the unlimited number of Standing Payment Orders and of Consents to direct debit, Ban on beneficiary 1/ by Electronic Services (Domestic transfer) 2/ 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 Plus - 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) 3/ Electronic statement sent to Internetbanking or address Embossed debit Payment card MasterCard Business (issuance and renewal) in the number of pieces Embossed debit Payment card MasterCard Business (issuance and renewal 4/ ) in the number of pieces Unlimited number of non-cash deposits on account credits to Account 5/ Unlimited number of executed Standing Payment Orders, Consents to direct debit on the payer side (Domestic transfer) Entering and execution of single Payment Orders through Electronic Services (domestic transfer), Transfers in EUR into EEA countries including SEPA entered through Electronic Services Unlimited number of cashless payments made by Payment Card for goods and services 6/ 7/ 25 transactions 25 transactions 75 transactions 125 transactions Cash withdrawals by Payment card in the ATMS of the Bank and the financial ERSTE GROUP 7/ - Cash deposits on Account maintained at the Bank - 5 transactions Cash withdrawals 8/ - - Fee reduction for processing the item of Payment Order received in a file through File Transfer through Homebanking Service or Internetbanking (domestic transfer) in the amount of 9/ Fee reduction for cross-border transfers in EUR and foreign currency from the Slovak Republic and in foreign currency within the Slovak Republic entered through Electronic Services in the amount of 10/ Fee reduction for provision of Homebanking / MultiCash services in the amount of 10/ Fee reduction applied for installation of software for Homebanking / MultiCash service and issuance of one electronic personal key (EPK) in the amount of 10/ 11/ 10 transactions 5 transactions - 25% 50% - 10% 20% - 25% 50% - 25% 50% 100% fee reduction for account maintenance if the average monthly balance for the respective calendar month on the Client s Account was** at least at least at least Monthly account maintenance fee Legend: service is included in the price - service is not included in the price 4 of 27

5 Payment operations Cards EB Services Account 1/ Activation of Consent to direct debit and Ban on beneficiary refers to collection in CORE system. 2/ 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. 3/ For SMS services Plus provided to a Corporate Account Basic for each Client and/or Authorised Person the Bank charges a fee of 1.00 monthly. 4/ Fee for the MasterCard Gold payment card consists of the fee for payment instrument including ECI (MasterCard) membership in the total amount of and of the fee for individual travel insurance for the Card Holder in the amount of The above two items of the Fee are being charged by the Bank in two separate sums. The price of Corporate Accounts includes only the fee for payment instrument including ECI membership (MasterCard). 5/ Except for transactions Direct debit execution on the payee s side (collector) not included in the Account price. 6/ Except for personal transactions listed in the Publication to debit Payment Cards. 7/ Except for using the DCC service 8/ Execution of withdrawal in the defined structure of coins / banknotes according to the request of the Client is subject to charge for Processing of banknotes and coins. 9/ Reduced fees for transactions are not included in the Account price; they are settled by one sum for all items in the files sent to the Bank during one calendar month, as at the ultimo of this calendar month. In case of Homebanking, the discount refers exclusively to the transactions sent with the requirement for fee settlement as at the ultimo of the month, i.e. not after turnover. 10/ Reduced fees for transactions / services are not included in the Account price; the fee is settled with discount after service provision or after transaction execution. 11/ In case of using Internetbanking and also Homebanking services, the discount is provided only for one Fee selected by the Client. b) Communal Account - accounts for municipalities and legal persons in their establishment competence PRODUCTS AND SERVICES INCLUDED IN THE ACCOUNT Komunal PRICE Komunal Plus Komunal Extra Opening and maintenance of account in EUR Creating an unlimited number of Standing Payment Orders and establishment / activation 1/ of Consents to direct debit at the Branches or through Electronic Services (Domestic transfer) Change / cancellation of the unlimited number of Standing Payment Orders and of Consents to direct debit, ban on beneficiary 1/ by Electronic Services 2/ 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 Plus - 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) 3/ - Electronic statement sent to Internetbanking or address Embossed debit Payment card MasterCard Business (issuance and renewal) in the number of pieces Unlimited number of non-cash deposits on account credits to Account 4 Unlimited number of executed Standing Payment Orders, Consents to direct debit on the payer side Entering and execution of single Payment transfer orders, FIT 2.0 Transfers in EUR (Domestic transfer) and Transfers in EUR into EEA countries including SEPA entered through Electronic Services. Unlimited number of non-cash payments made by Payment Card for goods and services 5/ 6/ Unlimited number of cash withdrawals by Payment Card from the ATMs of the Bank and of ERSTE GROUP financial group 6/ 10 transactions 30 transactions 5 of 27

6 Payment Operations Electronic services Account Moreover In addition fee reduction 7/ Cash deposits on Account maintained at the Bank transactions Discount on processing fee of the item Payment Transfer Order and FIT 2.0 Transfer in EUR (Domestic transfer) received in a file through File Transfer via Homebanking / Internetbanking in the amount of 8/ Fee reduction for provision of Homebanking / MultiCash service in the amount of - 50% 100% 25% 50% 50% Fee reduction applied for installation of software for Homebanking / MultiCash service and issuance of one electronic personal key 25% 50% 50% (EPK) in the amount of 9 100% fee reduction for account maintenance if the average monthly balance for the respective calendar month on the Client s Account was** at least at least at least Monthly account maintenance fee Legend: service included in the price - service is not included in the price 1/ Activation of Consent to direct debit and Ban on beneficiary refers to collection in CORE system. 2/ 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. 3/ For SMS services Plus provided to Komunal Account for each Client and/or Authorised Person the Bank charges a fee of 1.00 monthly. 4/ Except for transactions Direct debit execution on the payee s side (collector) not included in the Account price 5/ Except for personal transactions listed in the Publication to debit Payment Cards. 6/ Except for using the DCC service. 7/ Reduced Fees for transactions / services are not included in the Account price 8/ Fees for transactions are settled by one sum for all items in the files sent to the Bank during one calendar month, as at the ultimo of this calendar month. In case of Homebanking, the discount refers exclusively to the transactions sent with the requirement for fee settlement as at the ultimo of the month, i.e. not after turnover. 9/ In case of using Internetbanking and also Homebanking services, the discount is provided only for one Fee selected by the Client. c) Account for the non-profit sector PRODUCTS AND SERVICES INCLUDED IN THE PRICE Opening and maintenance of local currency account (EUR) Internetbanking Telephonebanking SMS services - for the Client and/or Authorised person (SMS notification over 20, SMS notification of non-executed payments from the Account, SMS key) 1/ Electronic statement sent to Internetbanking or address Unlimited number of non-cash deposits on account credits to account Unlimited number of entered and executed single Payment Transfer Orders and FIT2.0 Transfers in EUR via Electronic Services (Domestic transfer) Unlimited number of EUR payments within EEA countries including SEPA filed through Electronic Services 100% fee reduction for cash deposit to the Account maintained at the Bank 3 items Monthly account maintenance fee of 27

7 Legend: service is included in the price 1/ For SMS services Plus provided to a Current Account for the non-profit sector for each Client and/or Authorised Person the Bank charges a fee of 1.00 monthly. d) SPORObusiness account - standard Account type FEE Account opening Account maintenance Change in Account handling 3.50 monthly 3.50 Account cancellation FEES FOR ACCOUNT STATEMENTS Account statement issuance and sending by post within Slovakia Account statement issuance and sending by post abroad Account statement issuance and its personal takeover Issuance of a statement of increasing turnovers at the Bank Branch Issuance of statement upon Account cancellation Duplicate current account statement (copy of statement) Statement in MT940 format postal charges/statement / statement 1.00 / page 0.70 / statement 1.00 / page monthly e) SPORObusiness account - special types of current accounts FEE SPORObusiness for PPA 1/ SPORObusiness for Escrow 2/ SPORObusiness investment instruments 3/ Account maintenance Non-cash Deposit to Account - Crediting Funds to Account Other Fees Related to Current Accounts as standard type of Account 1/ Special current account maintained in EUR for the purpose of subsidies from Agricultural Payment Agency relating to the provided loan of the Bank maintained in Euro currency 2/ Special current account maintained under an Escrow Account Agreement in EUR, CZK, USD or GBP. 3/ Special current account maintained in EUR under a Current Account Agreement and an Overdraft Agreement to secure receivables arising out of trading in investment Instruments maintained in EUR. f) SPORObusiness - funds: Social Fund and Reserve Fund Accounts FEE Account maintenance Other fees related to accounts as standard type of Account 7 of 27

8 FEE g) SPORObusiness - safekeeping: Notary safekeeping accounts, Special accounts for depositing distraint s yield Account maintenance Cash deposit Cash withdrawal Establishment and execution of one-off Payment Order in Branch (Domestic transfer) Transfer in EUR into EEA countries including SEPA at the Branch Non-cash Deposit to Account - Crediting Funds to Account Account statement issuance and its personal takeover Account statement issuance and sending by post within Slovakia Other fees as standard type of Account 8 of 27

9 FEE 2) Payment services - non-cash payment operations Domestic transfers Non-cash Deposit to Account - Crediting Funds to Account 1/ 0.15 Execution of standing Payment Order or Payment Order for Direct Debit (in case of Direct Debit the side of payer and payee as well) Processing request for payment return / payment investigation 2/ 3.00 Account settlement upon cancellation of Account maintained at the Bank by non-cash transfer Execution method FEE through Electronic services Entering and execution of a one-time Payment Order 3 / at the Branch Urgent payment FIT 2.0 Transfer in EUR 4/ Change or cancellation of the standing Payment Order 3/ 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 Transfer via Homebanking or Internetbanking Processing the item Urgent Payment received in a file in SEPA XML structure via File Transfer through Homebanking or Internetbanking 1/ Non-cash deposit to the Deposit account free of charge / In case that the bank for the beneficiary charges its Fee for processing of the response to the Request for payment return / payment investigation, the Fee will be charged to the client from the Account. 3/ Even single and standing Payment Orders within the Bank in foreign currency. 4/ Under FIT 2.0 Transfer in EUR we understand a single Payment Transfer Order or Urgent Transfer in EUR (Euro) currency to FIT 2.0 banks, which are reachable for SEPA transfers., with correct BIC SWIFT code of the beneficiary s bank (list of FIT 2.0 banks; see Service Charge List Term Definition part). The fee valid for Cross-border transfers (see Service Charge List Cross-border Transfers part) is applied to transfers with not entered or incorrectly entered BIC SWIFT code of the beneficiary s bank. Cross-border transfers Received transfers: Non-cash Deposit to Account - Crediting Funds to Account 0.15 Execution method Sent transfers Transfer in EUR into EEA countries including SEPA 1/ (transfers to banks unreachable for SEPA payments) Urgent transfer in EUR to EEA countries including SEPA 1/ (transfers to banks not reachable for SEPA payments) Transfer within the ERSTE GROUP financial group 2/ 9 of 27 through Electronic services at the Branch FIT 2.0 Transfer in EUR 3/ 5,00 15,00 Transfer in CZK to ČSAS a.s. 4/ Cross-border transfers in EUR and in foreign currency from Slovakia and in foreign currency within Slovakia up to 2,000 from 2, Surcharge for Urgent payment Confirmation on 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

10 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 2/ For Transfer within the financial group ERSTE GROUP the cross-border transfer is considered as: in all currencies in which the Bank performs cross-border transfers, with the correct BIC, SWIFT code of the bank of the recipient. 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. 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 rate as for this type of transfer shall be applied to it. 3/ Under FIT 2.0 Transfer in EUR we understand a single Payment Transfer Order or Urgent Transfer in EUR (Euro) currency to FIT 2.0 banks, which are reachable for SEPA transfers. with correct BIC SWIFT code of the beneficiary s bank (list of FIT 2.0 banks; see Service Charge List Term Definition part). The fee valid for Cross-border transfers (see Service Charge List Cross-border Transfers part) is applied to transfers with not entered or incorrectly entered BIC SWIFT code of the beneficiary s bank. If a FIT 2.0 Transfer meets the conditions for Domestic transfer, i.e. the beneficiary s bank is reachable for SEPA transfers, a charge like for this type of transfer applies to it (see the Service Charge List part Domestic transfers). 4/ For 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 Serbia in favour of third-party clients Switzerland other countries OTHER PAYMENTS Payments in all currencies: - in favour of Erste Group Bank AG clients - in favour of Erste Bank der Österreichischen 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 - in favour of Banka Sparkasse d.d. clients - in favour of Sparkasse Bank d.d. clients - in favour of Sparkasse Bank Makedonija AD clients Payments in HUF to Hungary in favour of third-party clients HUF Payments in RON to Romania in favour of third-party clients RON Payments in GBP to Great Britain GBP 4.00 Payments in CHF to Switzerland CHF 3.90 Payments in CAD to Canada CAD 7.00 Payments in PLN to Poland PLN Payments in SEK to Sweden SEK Payments in CZK to the Czech Republic in favour of third-party clients CZK Payments in HRK to Croatia in favour of third-party clients HRK Payments in NOK to Norway NOK Payments in DKK to Denmark DKK Payments in USD: - in favour of banks in the USA - in favour of other banks Payments in AUD: - in favour of the clients of National Australia Bank - in favour of third-party clients USD 0.20 USD 9.00 AUD 5.00 AUD of 27

11 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) / 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. 3) Payment services - cash payment operations CASH DEPOSITS AND CASH WITHDRAWALS Fee 0.01% 1/ 2/ Cash deposit to current account maintained at the Bank Difference by cash deposit made through enclosed wrapper / night safe deposit box 0.01% 2/ 3/ Cash withdrawal at the Branch from the deposit sum; at least from the withdrawal sum; at least / 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/ Cash deposit / Cash withdrawal from the Deposit account for free. 3/ Execution of cash 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 FEE at the Branch BANKNOTES COINS Processing of coins upon depositing / withdrawing cash 1/ a) nominals: 0.01; 0.02; 0.05 b) nominals: 0.10; 0.20; 0.50; 1; 2 Exchanging banknotes and coins of various nominal values being brought in by client or the bank consigned them to Client 2/ Processing of damaged banknotes in EUR 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 Exchange of foreign currencies (two currencies) - conversion Non-execution of the reported cash withdrawal 0.01 per piece; at least / banknote 30% of the value of one banknote; at least / The first 100 pieces of coins of the highest nominal values within one day is free of charge for each started 100 pieces of coins 1.00 for each started 100 pieces 0.1% from the withdrawal sum of coins 0.01 per piece; at least / 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). 4) Debit Payment Cards: Payment Card type Electronic Embossed FEE / CARD TYPE Fee for Payment Card (annually) Fee for express issuance of Payment Card Maestro Business VISA Business Mastercard Business VISA Gold Business MasterCard Gold Business / / Fee for lost or stolen Payment Card re of 27

12 issuance or its non-delivery due to incorrect address Change of contractual conditions for Payment Card use (e.g. limit, reissuance) through Electronic Services Change of contractual conditions for Payment Card use (e.g. limit, reissuance) at the Branch, Sporotel PIN Code Re-print KOOPERATIVA travel insurance - individually for the Card Holder (annually) Membership in IAPA (VISA) / ECI (MasterCard) (annually) VAT refunding Business insurance MasterCard ELITE programme included in the card price included in the card price included in the card price included in the card price included in the card price included in the card price included in the card price - - included in the card price included in the card price included in the card price included in the card price included in the card price 1/ 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. 12 of 27

13 Use of debit Payment Cards Cash withdrawal by Payment card 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 and in EEA countries when withdrawing in EUR 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 Fee for display of Account balance through ATM ATM of the Bank ATM of the ERSTE GROUP financial group ATM of another bank in Slovakia Other ATM abroad 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 / 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. 13 of 27

14 5) Business Charge cards FEE / CARD TYPE VISA VISA Business Charge Gold Charge Card validity 3 years 3 years Fee for Payment Card (annually) / Fee for express issuance of Payment Card Fee for re-issuance of lost or stolen Payment Card Fee for Payment Card re-issuance if undelivered due to incorrect address Change of contractual conditions for Payment Card use (e.g. limit, re-issuance, etc.) at the bank Branch PIN Code Re-print IAPA membership included in the card price KOOPERATIVA travel insurance - individually for the Card Holder included in the card price Internetbanking, Telephonebanking SMS services 2/ 2.00 / monthly 2.00 / monthly SMS services Plus 3/ 3.00 / monthly 3.00 / monthly SMS notification for each authorised person 4/ 1.00 / monthly 1.00 / monthly VAT refunding included in the card price included in the card price 1/ Fee for Charge Card consists of the fee for payment instrument including IAPA membership in total in the amount of and of the fee for individual Travel insurance for the card Holder in the amount of The above two items are being charged by the Bank in two separate sums. 2/ For the Authorised Person (SMS notification over 20, SMS notification of non-executed payments from the Account, SMS key). 3/ For the Authorised Person (SMS notification from 0, SMS notification of non-executed payments from the Account, SMS statement, SMS notification for e-invoice, SMS key). 4/ Provided that this Authorised Person is at the same time not a person entitled to dispose of the Account funds to which the Payment Card was issued through Electronic Services.. Fees for using Business Charge cards Cash withdrawal with Chard card 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 and in EEA countries when withdrawing in EUR currency Fee for cash withdrawal from ATM 3.00% from transaction; at least / Fee for cross-border conversion % from transaction TYPE OF FEE / PLACE OF TRANSACTION EXECUTION 3.00% from transaction; at least % 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 Fees Fee for cross-border conversion At the Bank Branch 1.00% from transaction; at least 1.66 In Slovakia and in EEA countries when withdrawing in EUR currency 3.00% from transaction; at least 2.99 Abroad 4.00% from transaction; at least % from transaction 14 of 27

15 Non-cash payment for goods and services TYPE OF FEE / PLACE OF TRANSACTION In Slovakia Abroad EXECUTION Fee for non-cash payment for goods and services 1/ Fee for cross-border conversion % from transaction Cash back service: TYPE OF FEE / PLACE OF TRANSACTION In Slovakia Abroad EXECUTION Fee for Cash back service Other transactions performed by Payment Card: FEE 2/ Fee for Special Transactions 1.30 Fee for using DCC service 1.00 Display of Account balance through ATM: TYPE OF FEE / PLACE OF ATM TRANSACTION EXECUTION of the Bank Fee for display of Account balance through ATM ATM of the ERSTE GROUP financial group ATM of another bank in Slovakia Other ATM abroad 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 / For transactions made v in EEA countries in Euro currency, the fee for cross-border conversion is not charged. 2/ A list of Special Transactions is available in the Publication to Debit Cards. 6) Card acceptance: FEE Execution of advice based on client requirement (for card acceptance service) Fee for damage or failure to return POS terminal 1.00 per page ) Term deposits (Deposit accounts) FEE / PRODUCTS Term deposit (Deposit account) Short-term term deposit (Deposit account) Opening Cancellation Change of owner and change of owner data Establishment, change, cancellation of authorised person to dispose of the funds FEES FOR DEPOSIT ACCOUNT STATEMENTS 15 of 27

16 Account statement issuance and sending by post for each envelope Account statement issuance and its personal takeover Issuance of a statement of increasing turnovers at the Bank Branch Duplicate current account statement (copy of statement) 1.00 / page 1.00 / page 8) Loans Credit line 1/ FEE 2/ Management fee / fee for issuance of binding loan commitment Fee for credit line increase / and/or short-term increase of credit line Fee for revolving credit line Loan commission (from the total credit line amount, payable quarterly) at least 1% from the credit line amount; at least at least 1% from the increased credit line amount; at least at least 0.50% from the revolved credit line amount; at least at least 0.35% p.a. Fee for change in the contractual documentation at client initiative (e.g. change at least of security, etc.) Fee for failure to meet the conditions pursuant to the Loan Agreement / Other fees charged to the credit line will be collected from the client pursuant to the valid Service Charge List for products being drawn within the credit line. 2/ Upon settlement of account fees in foreign currency a fee in the equivalent amount will be charged. a) Overdraft Loans FEE 1/ Management fee / fee for issuance of binding loan commitment at least 1% of the loan amount; at least Commitment fee (from the undrawn part of the overdraft loan - calculated on at least 0.70% % p.a. daily basis, payable monthly) Fee for credit limit increase / and/or short-term increase of credit at least 1% of the increased loan amount; at least Fee for revolving loan / fee for issuance of binding loan commitment at least 0.50% of the revolved loan amount; at least Fee for change in the contractual documentation at client initiative (e.g. change at least of security, etc.) Fee for failure to meet the conditions pursuant to the Loan Agreement Fee for reminder / Upon settlement of account fees in foreign currency a fee in the equivalent amount will be charged b) Instalment Loans 1/ FEE 2/ Management fee / fee for issuance of binding loan commitment / fee for bill of exchange discount Commitment fee (from the undrawn part of the loan - calculated on daily basis, payable monthly) 3/ Loan administration fee Loan increase fee Fee for revolving loan Fee for one-time repayment of the whole loan balance and/or of its part4/ Fee for change in the contractual documentation at client initiative (e.g. change of payment schedule, payment deferment, change of security, etc.) 16 of 27 at least 1% of the loan amount; at least at least 0.70 % p.a / monthly at least 1% of the increased loan amount; at least at least 0.50% of the loan amount; at least refinancing costs + 3% from the loan balance (and/or of the early repaid balance); at least at least

17 Fee for failure to meet the conditions pursuant to the Loan Agreement Delivery of statements by post according to the valid Service Charge List Fee for reminder / Instalment loans for the purpose of the Service Charge List are Instalment loans, Term loans and Refinancing loans. 2/ Upon settlement of account fees in foreign currency a fee in the equivalent amount will be charged. 3/ This fee is paid only for Instalment loans, i.e. the fee is not applied to Term loans and Refinancing loans. 4/ The fee for one-time repayment of the entire loan amount, and/or of its part is automatically waived in case of providing the following loans: Bridge loans for farmers and Bridge loans of non-refundable funds in case of projects drawing funds from EU funds, where loan repayment is from the subsidy obtained. 9) Bank guarantees FEE Issued bank guarantees: Issuance - of bank guarantee / co-acceptance of bill of exchange from the current Guarantee sum (charged for each even just started 90 days subsequently 1/ ) - of bank guarantee for the proposal from the current Guarantee sum (charged for each even just started 90 days subsequently 1/ ) 0.6% p.q. 2/, at least % p.q. 2/, at least Execution of the bank guarantee text Management fee / fee for issuance of binding commitment to issue a bank guarantee 0.5% from the sum of the provided guarantee; at least Change of guarantee conditions Fulfilment from the guarantee / co-acceptance Early guarantee termination Received guarantees: Advice of guarantee / co-acceptance Advice of guarantee Verification of signature specimens within the guarantee Application of guarantees upon client request / verification of legal validity of client signatures in the application request Release from the received guarantee upon client request / verification of legal validity of client signatures in the release from the received guarantee Delivery of statements: a) by post b) personal collection in an envelope according to the valid Service Charge List 1/ In case the validity of Bank Guarantee is shorter than 90 days and for the last collection period the fee is calculated for the actual number of Bank Guarantee validity, and/or for the number of days that elapsed as of the previous fee collection to the date of Bank Guarantee validity / payability of the co-accepted bill of exchange. 2/ 2.4% p.a. 10) Documentary payments a) Documentary collection, bill collection FEE Processing of Documentary collection / bill collection Return of not processed documents 0.3% of the value of collection; at least 50.00, maximally 1, % of the value of collection; at least Change of conditions (instructions) of documentary collection Repeated reminder (third and following) Release of goods sent at the disposal of Slovenská sporiteľňa Assurance of bill of exchange protest notarial fees Assurance of bill of exchange acceptance of 27

18 The fees will be deducted from the yield of the documentary collection, or will be collected from the client account. According to Uniform Customs and Practices for Documentary Collections, revision 1995 publication of ICC (International Chamber of Commerce) No. 522 if upon rejection of export / supplier collection the recipient / customer refuses to pay the fees and costs of the bank of the recipient / customer, the principal / supplier is obliged also to pay these fees and costs b) Letter of credit FEE / LETTER OF CREDIT TYPE Import / Customer letter of Export / Supplier letter of credit credit Pre-advice of letter of credit opening Advice of letter of credit % of the value of letter of credit; at least Letter of credit opening (for each even just started 90 days) 0.3%of the letter of credit value; - at least Letter of credit confirmation (for each even just started 90 - individual 1/ days) Change of letter of credit conditions / / Checking of documents and/or payment of letter of credit % of the value of letter of credit; at least Payment from letter of credit: - a) payment at sight or payment deferred by up to 30 days (of every amount paid) 0.3% min ; 0.15%, at least b) deferred payment for over 30 days (for each even just started 30 days) 70,00 Transfer of letter of credit - 0.3%of the letter of credit value; at least Change of transferable letter of credit Notification of assignment / assignment of the letter of credit yield Cancellation of the letter of credit before drawing or nondrawing of the opened letter of credit Delivery of statements: according to the valid Service - a) by post b) personal collection in an envelope Charge List First reminder Second reminder Third reminder / Depending on client rating. 2/ Upon the increase of letter of credit sum and upon extension of the letter of credit validity also a fee for letter of credit opening is charged 3/ Upon the increase of letter of credit sum and upon extension of the letter of credit validity also a fee for letter of credit confirmation and fee for advice of letter of credit is charged. According to Uniform Customs and Practices for Documentary Letters of Credit, revision 2007 publication of ICC (International Chamber of Commerce) No. 600 if upon failure to use the letter of credit the recipient refuses to pay the fees and costs of the bank of the recipient, the principal is obliged also to pay all these fees and costs. 11) Factoring FEE Factor fee Fee for document individually individually 12) Electronic services a) MultiCash (MC) FEES / SERVICE TYPE 18 of 27

19 Installation of the software of MC Service by a Bank employee or authorised person MC service provision 1/ / monthly 1/ Upon termination of MC contract the fee is charged in full amount on the day of service cancellation as in case of monthly balance. b) Homebanking (HB) FEES / SERVICE TYPE Installation of the software of HB Service by a Bank employee or authorised person HB service provision / monthly 1/ Upon termination of HB contract the fee is charged in full amount on the day of service cancellation as in case of monthly balance c) Internetbanking, Telephonebanking, SMS services, SMS services Plus and electronic statements FEES FOR USING SERVICES Internetbanking 1.65 monthly per Account 1 Telephonebanking SMS services - for each Client and/or Authorised person (SMS notification over 20, SMS 2.00 monthly notification of non-executed payments from the Account, SMS key) SMS services Plus - for each Client and/or Authorised Person (SMS notification from 0, SMS 3.00 monthly notification of non-executed payments from the Account, SMS statement, SMS notification for e- invoices, SMS key) 2/ notification Electronic statement sent to Internetbanking or address 1/ The fee is not charged in case of an Account maintained in other than domestic currency. 2/ For SMS services Plus provided to the Package Business Plus, Corporate Account Basic and Current account for the non-profit sector for each Authorised Person the Bank charges a fee of 1 monthly. d) 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) ) Safe-deposit boxes TYPE Type 1 BOXES up to 7,000 cm 3 Monthly fee 1/ VAT Price including VAT: 5.00 Type2 Type 3 Type 4 Type 5 to 13,000 cm 3 to 25,000 cm 3 up to 45,000 cm 3 over 45,000 cm 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, of 27

20 14) Securities a) Securities trading Slovak and foreign securieties 2/ PURCHASE AND SALE OF SECURITIES BONDS 1/ SHARES 1/ , % min % min , , % from the volume over 15, % from the volume over 15,000 30, , % from the volume over 30, % from the volume over 30, , , % from the volume over 150, % from the volume over 150,000 over 500, individually individually Change of Instruction conditions Instruction cancellation by the Client Fee for non-executed 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 trade was made, additional fees and costs related to tax liabilities, trading and settlement of securities trades may be added, which result from the statutory obligations valid for the respective foreign market b) 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. c) Custodianship of Foreign Securities CUSTODIANSHIP OF FOREIGN SECURITIES 1/ If the portfolio value does not exceed EUR 30,000 1/ 0.4% If the portfolio value exceeds EUR 30,000 1/ % from the volume over EUR 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 d) 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 of 27

21 Transfer and transition of foreign securities in the internal registration of SLSP (if the property transferor account of the transferor and the transferee is maintained by SLSP) transferee 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 / The fees are charged for filing the Transfer/transition order. e) Other services related to securities OTHER SERVICES Registration of contractual pledge 0.15% of the amount of receivable (at least 30.00, maximally 2,500,00) Registration of change / cancellation of contractual pledge Other services - not indicated 5.00 for each started 15 minutes of work f) Associated cash account ASSOCIATED ACCOUNT Establishment of account and maintenance of account Periodic issuance of statement and sending by post (monthly / quarterly / bi-annually / annually) Other statements and other operations / services related to the account free of charge postal charges the same as for Current accounts 15) 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 3.50 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 0,20 per page + VAT Price including VAT: 0.24 per page Provision of bank messages or confirmations for audit purpose VAT Price including VAT: ISSUANCE OF CONFIRMATIONS Issuance of confirmation related to the loan upon Client request Issuance of confirmation related to the loan upon Third-Party request (Tax authority, Executor, etc.) Issuance of confirmation related to: current account, term deposit (Deposit Account) and secured deposit upon Client request Issuance of a confirmation on debiting the funds from the Account upon the request of the Client PROVISION OF ASSISTANCE VAT of 27

22 The costs of the Bank for assistance provision (simple search) VAT Price including VAT: 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 a) to the Slovak and Czech Republic b) to Europe c) to other countries Courier service DHL or UPS 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: VAT; Price including VAT: VAT Price including VAT: charge list of the company + VAT 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 Provision of business information: FEE FOR BANK INFORMATION PROVISION Client request for provision of business information on a business entity in Slovakia Client request for provision of business information on a business entity from abroad Sending business information upon the request of another bank of 27