Service Charges for Branch Tatra banka, a. s., Provided to Individuals

Service Charges for Branch Tatra banka, a. s., Provided to Individuals 1 I. Service Packages TatraClassic TB SKK 49 per month in SKK without minimum balance Account statement per month delivered by post in the country for 1 VISA Electron debit payment card excluding 5 automated accounting items per month (other than card payment) Unlimited number of card payments Overdraft provision * 30% discount of the annual charge for each additional debit VISA Electron private payment card excluding insurance TatraDynamic TB SKK 69 per month in SKK without minimum balance Account statement per month delivered by post in the country for 1 VISA debit Electron payment card excluding 15 automated accounting items per month (other than card payment) Unlimited number of card payments Overdraft provision * Services provided via electronic communication media *** Unlimited number of SMS to b-mail service Maintenance of standing orders and collections by means of electronic communication media 30% discount of the annual charge for each additional VISA Electron debit private payment card excluding insurance TatraPremium TB SKK 199 per month in SKK without minimum balance Account statement per month delivered by post in the country for 1 VISA Electron debit payment card excluding for 1 debit MasterCard excluding insurance for the account holder * for individual travel 20 automated accounting items per month (other than card payments) Unlimited number of card payments Overdraft provision * Services provided via electronic communication media *** Unlimited number of SMS to b-mail service Maintenance of standing orders and collections by means of electronic communication media Savings account maintenance and services connected with its use (i.e. charging account activities together with automated sent and received payments on the current account ****, services provided via electronic communication media, statements and notifications) 30% discount of the annual charge for each additional private payment card according to the Client's choice: VISA Electron excluding insurance, debit MasterCard excluding insurance *, VISA credit card excluding insurance, VISA gold credit card with individual or family insurance, MasterCard credit card excluding insurance* TatraAcademy TB SKK 11 per month in SKK without minimum balance Account statement per year delivered by mail in the country for 1 VISA Electron debit payment card excluding Unlimited number of automated transactions (including cash withdrawals from Tatra banka ATMs **) Overdraft provision* Services provided via electronic communication media *** Unlimited number of SMS to b-mail service Maintenance of standing orders and collections by means of electronic communication media * in case of fulfilled criteria stated by the Bank ** Cash withdrawals from other ZBK ATMs within the SR and ATMs abroad are charged pursuant to the Basic Service Charges *** Internet banking, DIALOG, Mobil banking, b-mail and daily account statements delivered to e-mail address **** except for transfers via transfer order II. Basic Service Charges Current accounts in SKK and foreign currencies a) Account maintenance SKK 39 per month maintenance of collateral account without minimum balance Free of charge extra charge for maintenance of account subject to execution or execution of a decision SKK 150 per month b) Account statement (depending on delivery method) Collected in person SKK 50 per month Delivery by post SKK 8 per month + postage per item c) Charging account activities Accounting item SKK 12 per month Discount on accounting item for automated payments: Payments and cash withdrawals by payment card, standing orders and collections, payments via Internet banking,mobile banking, instalments on credits and interests on credits and incoming payments SKK 9 per month d) Cash transactions at Bank's branches Account deposits to individual current account SKK 0 Account cash deposits to selected accounts of corporate entities* SKK 13 Cash withdrawals SKK 18 * Depositor bears cash deposit charges on selected accounts of corporate entities e) Local cashless payments Payment order processing delivered: In form of payment order in writing SKK 0 Via Internet banking, Mobil banking and DIALOG SKK 0 Permanent payment order, collection authorization: In form of a written order SKK 0 Via Internet banking and DIALOG SKK 0 Permanent payment order or collection authorization change: In form of a written order SKK 0 Via Internet banking and DIALOG SKK 0 Permanent payment order cancellation, collection authorization cancellation: In form of a written order SKK 30 Via Internet banking and DIALOG SKK 0 f) International cashless payments (clean payments) Standard charge Via Internet banking: up to SKK 100,000 SKK 300 from SKK 100,000.01 to SKK 500,000 SKK 600 from SKK 500,000.01 to SKK 1,000,000 SKK 900 over SKK 1,000,000.01 SKK 1,200 At branch: up to SKK 100,000 SKK 500 from SKK 100,000.01 to SKK 500,000 SKK 800

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 2 from SKK 500,000.01 to SKK 1,000,000 SKK 1,100 over 1,000,000.01 SKK 1,400 Payments in CZK in favour of Raiffeisenbank Praha clients Via Internet banking SKK 50 At branch SKK 50 Payments in EUR from Euro account to RZB group banks Via Internet banking and Telebanking: up to SKK 100,000 SKK 240 from SKK 100,000.01 to SKK 500,000 SKK 480 from SKK 500,000.01 to SKK 1,000,000 SKK 720 over SKK 1,000,000.01 SKK 960 At branch: up to SKK 100,000 SKK 400 from SKK 100,000.01 to SKK 500,000 SKK 640 from SKK 500,000.01 to SKK 1,000,000 SKK 880 over SKK 1,000,000.01 SKK 1,120 For occasional Clients + 3 (min. SKK 1,000) Accelerated payment + 0.01 % from the sent amount for each calendar day of transfer time shortening, min. SKK 500 Extra charge for urgent processing SKK 300 Payment confirmation Within the SR SKK 100 Abroad SKK 150 Swift report copy Within the SR SKK 300 Abroad SKK 500 Unjustified cross-boarder payment claim, change of payment Instruction after cross-boarder payment sending SKK 500 g) Account cancellation h) Other services Services provided via electronic communication media Internet banking, DIALOG * SKK 9 per month GRID card replacement SKK 50 SECUR ID card advance payment SKK 500 b-mail** SKK 9/one e-mail address or telephone number/month First issued i:key complete*** SKK 1 000 Other issued i:key complete SKK 3 000 First issued i:key card*** SKK 610 i:key card replacement SKK 1 800 Certificate renewal SKK 600 per year Replacement certificate renewal SKK 600per year Daily account statements to e-mail address Information on account balance and activities via electronic communication media (except b-mail) Extra account statement upon request at branch and via DIALOG SKK 50 per A4 Blockage of funds on the account upon request SKK 50 Hold of funds without release SKK 2 000 Hold followed by release of funds to pay purchase price upon real property ownership transfer 0,25 % from held funds (min. SKK 3,500) Cash deposited in SKK to account maintained with other Bank 1 % of deposited amount (min. SKK 100) Other special services of the Bank not mentioned in Service Charges (depending on time consumption) SKK 100 per 15 min. Issue of confirmation of disposable account balance SKK 200 Telex, telefax, telephone, postal and other expenditures shall be charged to the requesting party according to actual costs Penalty charge in case of unexecuted cash withdrawal from the current account over SKK 1 million or its foreign currency equivalent in requested time 1 from the reported amount Dunning sent to current account owner in unauthorised overdraft SKK 150 Call for payment sent to current account owner in authorised overdraft SKK 750 * except the items set forth bellow ** In case of at least one message to the application form for the given accounting period *** The Bank shall issue the Client - individual person only one privilege i:key complete and one privilege i:key card. Passbook, JUNIORPassbook Opening Deposits, withdrawals Local cashless payments payments credited to passbook Cancellation Other services Passbook redemption SKK 200 Prohibition of payout upon Client's request SKK 50 Issue of passbook balance certificate SKK 100 Term accounts (TA) TA maintenance Statements and notifications Other services Deposit increase on renewal date Fre of charge Deposit decrease on renewal date Fre of charge Premature TA withdrawal - lost interest on amount withdrawn accrued for: 10 days - 1-month term account 20 days - 3-month term account 30 days - 6-month term account 40 days - 12-month term account Issue of TA deposit balance SKK 100 Mutual Investment Programme Including Life Insurance Investment and insurance account maintenance 3,5% from monthly payment, minimum SKK 60 Transfer charge SKK 0 Redemption 1% from redemption amount (minimum SKK 250, maximum SKK 2,500) Decrease of monthly payment SKK 250 Request for replacement form issue SKK 250 Premature termination 1 st year: 12 average monthly payments * 2 nd year: 8 average monthly payments * 1 average monthly payment shall be deducted every next year. * always maximum up to the amount of redemption funds, however, not more than SKK 20,000 Other charges are valid according to applicable purchasable brochure issued by Tatra Asset Management companyt. Non-specific consumer loan without security Application form processing 2 % from provided loan Loan account maintenance charge SKK 50 per month Change of contractual conditions at Client's request SKK 2 000 Premature loan repayment charge 5% from unpaid loan amount Dunning letter or notification in case of late payment or fulfilment of other obligations SKK 750 per piece Non-specific loan secured by funds Application form processing 1% from provided loan Loan account maintenance charge (instalment loan)* SKK 50 per month Change of contractual conditions at Client's request SKK 2,000 Loan increase charge (instalment loan) * 1 % from increased limit Premature loan repayment charge 5% from unpaid loan amount Dunning letter or notification in case of late payment or fulfilment of other obligations SKK 750 per piece * valid only for applications submitted by 01/09/2006 Home equity loan TB Consultation

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 3 Application form submission charge SKK 1,000 flat evaluation without expert's appraisal + SKK 2,000 per one real property family house evaluation without expert's appraisal + SKK 3,500 per one real property Application form processing 0,59% from provided loan (min. SKK 5,000) Loan account maintenance charge SKK 99 per month* Change of contractual conditions at Client's request SKK 2,000 flat evaluation without expert's appraisal + SKK 2,000 per one real property family house evaluation without expert's appraisal + SKK 3,500 per one real property Change of contractual documentation SKK 3 000 Non-drawdown or incomplete loan drawdown Premature repayment charge 2 % from premature repayment of principal) x (number of days left to interest rate fixing completion)/365 after interest rate fixation completion Mandate agreement SKK 500 Dunning letter or notification in case of late payment or fulfilment of other obligations SKK 750 per piece Contractual penalty 3 % from provided loan amount Other operations - statements, letters upon client's request SKK 200 * Valid only for application forms submitted by June 1, 2005 Mortgage loans (ML) * Consultation Fre of charge Stand-by mortgage loan Fre of charge Application form submission charge SKK 1,000 flat evaluation without expert's appraisal + SKK 2,000 per one real property family house evaluation without expert's appraisal + SKK 3,500 per one real property Application form processing 0,59% from provided loan (min. SKK 5,000) Loan account maintenance charge SKK 99 per month* Charge for submission of request for loan change SKK 2,000 flat evaluation without expert's appraisal + SKK 2,000 per one real property family house evaluation without expert's appraisal + SKK 3,500 per one real property Contractual documentation change SKK 3,000 Sequential loan drawdown SKK 750 for the second and every next drawdown Non-drawdown or incomplete loan drawdown Premature repayment charge 2 % (2 % from premature repayment of principal) x (number of days left to interest rate fixing completion)/365 Free of charge after interest rate fixation completion Loan increase 0,59% from increased sum (minimum SKK 5,000) Mandate agreement SKK 500 Dunning letter or notification in case of late payment or fulfilment of other obligations SKK 750 per piece Contractual penalty 3 % from provided loan amount purpose non-documenting +2 % to the interest rate Other operations - statements, letters upon client's request SKK 200 ** The charges are valid only for the application forms submitted from June 1, 2005 and Contracts of Mortgage Loan concluded by January 1, 2004 (except charge for loan account maintenance). Exchange services Sale and purchase of foreign currencies, conversion of foreign currencies and banknotes according to Tatra banka exchange rates SKK 0 Exchange transactions at accounts in currencies according to Tatra banka exchange rates SKK 0 Services at cash desk Replacement of incomplete and damaged banknotes provided that undamaged part of a banknote exceeds 50.5 % of its size and it is homogeneou SKK 10 Replacement of undamaged banknotes and coins for banknotes and coins of other nominal values Processing of undamaged banknotes and their change for banknotesof other nominal values 0,5% from total sum (min. SKK 20) Processing of undamaged coins/banknotes and their change for banknotes and coins of other nominal values 2% from total sum Processing of banknotes at account depositing Processing of coins at account depositing 2 % from total sum Cheques Traveller's cheques Purchase American Express, Thomas Cook, Citibank, VISA, Swiss Bankers 1% from cheque nominal value (min. SKK 100 /FCY equivalent) Sale American Express 1% from cheque nominal value Refunding (lost or stolen cheques) American Express, Swiss Bankers, Citibank Other cheques To be collected payment to current account or passbook maintained with Tatra banka 0,35 % from cheque nominal value (min. SKK 250, max. SKK 7,000) payment in cash or transfer to account with other bank returned outstanding cheques Payment cards Debit: 0,35% from cheque nominal value (min. SKK 750, max. SKK 7,000) 0,1% from cheque nominal value (min. SKK 350) + foreign bank commission VISA Electron Cards Private card excluding insurance SKK 150 Individual private payment card insurance SKK 590 Family private payment card insurance SKK 1,740 Additional payment for family insurance for card with individual insurance** SKK 1,150 Cash withdrawal charges In the SR - withdrawal from Tatra banka ATM SKK 0 In the SR - withdrawal from ZBK ATM SKK 34 Abroad Cash withdrawal from the Bank or exchange office in the SR and abroad Payment for goods and services SKK 0 Other charges * Card blockage SKK 200 Daily drawdown limit adjustment SKK 100 Card replacement SKK 200 Card cancellation SKK 100 Card replacement - urgent SKK 1,000 Unjustified claim of transaction abroad

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 4 Monthly statements of card transactions SKK 30 per statement Weekly statements, of card transactions SKK 120 per statement/ month Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of the statement of transactions at Client's request, etc.) SKK 100/15 min. * other urgent services (e.g. limit change, PIN code replacement) 100 %extra charge ** in case of additional change of payment card insurance MasterCard Card Private payment card excluding insurance SKK 490 Private payment card individual insurance SKK 590 Private payment card family insurance SKK 1,740 Additional payment of family insurance for card with individual insurance** SKK 1,150 Cash withdrawal charges In the SR - withdrawal from Tatra banka ATM SKK 0 In the SR - withdrawal from ZBK ATM SKK 30 Abroad 1,5 % % from the amount Cash withdrawal from the Bank or exchange office in the SR or abroad Payment for goods and services 0,- Sk Other charges* Card blockage SKK 1000 Daily drawdown limit adjustment SKK 100 Card replacement SKK 200 Card replacement - urgent SKK 1,000 Card cancellation SKK 100 Unjustified claim of foreign transaction Monthly statements of card transactions SKK 30 per statement Weekly statement of card transactions SKK 120 per statement/month Electronic card blockage by Bank SKK 300 Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of the statement of transactions at Client's request, etc.) SKK 100 per 15 min. * other urgent services (e.g. limit change, PIN code replacement) 100 % extra charge METRO Payment Card SKK 40 Card blockage SKK 200 Daily drawdown limit adjustment SKK 100 Card replacement SKK 200 Card cancellation SKK 100 Card transaction statements SKK 30 per statement Credit: VISA Cards accounting items. a) a) Private card standard Monthly charge - basic card SKK 69 Additional card SKK 15 for insurance Individual insurance - variant B* SKK 720 Individual insurance - variant A** SKK 1,300 Family insurance - variant B* SKK 1,440 Family insurance - variant A* SKK 2,600 b) Private card gold Basic card SKK 235 Additional card SKK 50 for insurance Individual insurance - variant A** SKK 1,300 Family insurance - variant A** SKK 2,600 c) Virtual card Basic card SKK 69 Additional card SKK 0 * variant B insurance with lower insurance coverage value ** variant A insurance with higher insurance coverage value Cash withdrawal charges*** ATM cash withdrawal In the SR - withdrawal from Tatra banka ATM 1,5 % from the amount withdrawn (min. SKK 50) In the SR - withdrawal from ZBK ATM and abroad 1,5 % from the amount withdrawn (min. SKK 150) Cash withdrawal from the Bank or exchange office In the SR and abroad 1.5 % from the amount withdrawn (min. SKK 150) *** za výber hotovosti banka vždy účtuje úrok Payment for goods and services SKK 0 Other charges*** Card blockage (not virtual card) SKK 1,000 Virtual card blockage SKK 200 Credit limit adjustment SKK 100 Card replacement SKK 300 Basic card cancellation SKK 500 Card issue - urgent SKK 1,000 Replacement statement SKK 100 Unjustified claim of foreign transaction Confirmation regarding payment card sent abroad SKK 30 per statement Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of statement of transactions at Client's request, etc.) SKK 100 per 15 min. Billing cycle adjustment SKK 100 Total credit limit overdraft SKK 100 Written Client notification SKK 100 Dunning letter charge in case of late payment Dunning letter no. 1 SKK 100 Dunning letter no. 2 SKK 1,000 *** other urgent services (e.g. credit overdraft limit change, PIN code replacement) AllianzCard accounting items Private card Basic card SKK 69 Additional card SKK 15 for insurance Individual insurance - variant B* SKK 720

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 5 Individual insurance - variant A** SKK 1,300 Family insurance - variant B* SKK 1,440 Family insurance - variant A** SKK 2,600 * variant B insurance with lower insurance coverage value ** variant A insurance with higher insurance coverage value Cash withdrawal charges*** In the SR - withdrawal from Tatra banka ATM In the SR - withdrawal from ZBK ATM and abroad 1.5 % from the amount withdrawn (min. SKK 50) Cash withdrawal from the Bank or exchange office In the SR and abroad 1.5 % from the amount Payment for goods and services SKK 0 Other charges*** Card blockage SKK 1,000 Credit limit adjustment SKK 100 PIN code replacement SKK 100 Card replacement SKK 300 Basic card cancellation SKK 500 Card issue - urgent SKK 1,000 Replacement statement SKK 100 Password change SKK 100 Card PIN unblocking SKK 0 Card PIN unblocking - urgent SKK 100 Unjustified claim of foreign transaction Confirmation regarding payment card sent abroad SKK 30 per statement Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of statement of transactions at Client's request, etc.) SKK 100 per 15 min. Billing cycle adjustment SKK 100 Total credit limit overdraft SKK 100 Written Client notification SKK 100 Dunning letter charge in case of late payment Dunning letter no. 1 SKK 100 Dunning letter no. 2 SKK 1,000 *** other urgent services (e.g. credit overdraft limit change, PIN code replacement) MasterCard Cards accounting items. Private card Basic card EUR 2 Additional card EUR0,50 Cash withdrawal charges* In the SR withdrawal from Tatra banka ATM In the SR withdrawal from ZBK ATM and abroad withdrawn (min. EUR 1.25) withdrawn (min. EUR 4) Cash withdrawal from the Bank or exchange office In the SR and abroad withdrawn (min. EUR 4) Payment for goods and services EUR 0 Other charges* Card blockage EUR 25 Credit limit adjustment EUR 2.50 PIN code replacement EUR 2.50 Card replacement EUR 7.50 Basic card cancellation EUR 12.50 Password change EUR 2.50 Card PIN unblocking EUR 0 Card PIN unblocking - urgent EUR 2.50 Unjustified foreign transaction claim Card issue - urgent EUR 25 Replacement statement EUR 2.50 Card account statement sent abroad EUR 1 per statement Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) EUR 5 Non-standard requests (e.g. processing of the statement of transactions at Client's request, etc.) EUR 2.50 per 15 min. Billing cycle adjustment EUR 2.50 Total credit limit overdraft EUR 2.50 Written Client notification EUR 2.50 Dunning letter charge in case of late payment Dunning letter no. 1 EUR 2.50 Dunning letter no. 2 EUR 25 * other urgent services (e.g. credit overdraft limit change, PIN code replacement) MasterCard instalment cards accounting items. Private card Basic card SKK 49 Additional card SKK 10 for insurance charge Individual insurance (variant B) SKK 720 Family insurance (variant B) SKK 1,440 Charges for cash withdrawal In the SR - withdrawal from Tatra banka ATM 1,5% from the amount withdrawn (min. SKK 50) In the SR - withdrawal from ZBK ATM Abroad 1,5% from the amount Cash withdrawal from the Bank or exchange office in the SR or abroad Charges for goods and services SKK 0 Other charges * Card blockage SKK 200 Credit limit adjustment SKK 100 Card replacement SKK 300 Basic card cancellation SKK 500 Unjustified foreign transaction claim Card issue - urgent SKK 1,000 Replacement statement SKK 100 Confirmation regarding payment card sent abroad SKK 30 per statement Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of statement of transactions at Client's request, etc.) 1SKK 100 per 15 min. Billing cycle adjustment SKK 100 Total credit limit overdraft SKK 100 Written Client notification SKK 100 Dunning letter no. 1 in case of late payment SKK 100 Dunning letter no. 2 in case of late payment SKK 1,000 * bank charges interest for all transactions ** other urgent services (e.g. credit overdraft limit change, PIN code replacement)

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 6 MercedesCard accounting items. Private card Basic card SKK 69 Additional card SKK 15 for insurance Individual insurance - variant B* SKK 720 Individual insurance - variant A** SKK 1,300 Family insurance - variant B* SKK 1,440 Family insurance - variant A** SKK 2,600 * variant B - insurance with lower insurance coverage value ** variant A - insurance with higher insurance coverage value Cash withdrawal charges*** In the SR - withdrawal from Tatra banka ATM withdrawn (min. SKK 50) In the SR - withdrawal from ZBK ATM and abroad 1,5 % fromthe amount Cash withdrawal from the Bank or exchange office In the SR v SR and abroad withdrawn (min. SKK 150) Charges for goods and services SKK 0 Other charges *** Card blockage SKK 1,000 Credit limit adjustment SKK 100 Card replacement SKK 300 Card cancellation SKK 500 Unjustified foreign transaction claim Card issue - urgent SKK 1,000 Replacement statement SKK 100 Confirmation regarding payment card sent abroad SKK 30 per statement Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 200 Non-standard requests (e.g. processing of statement of transactions at Client's request, etc.) SKK 100 per 15 min. Billing cycle adjustment SKK 100 Total credit limit overdraft SKK 100 Written Client notification SKK 100 Dunning letter charge in case of late payment Dunning letter no. 1 SKK 100 Dunning letter no. 2 SKK 1,000 ** other urgent services (e.g. credit overdraft limit change, PIN code replacement charge: AMERICAN EXPRESS Cards Basic card Additional card Initial charge Private Green card USD/EUR 80 USD/EUR 0 Private Gold card USD/EUR 80 USD/EUR 0 Private Platinum card 0 USD/EUR 0 USD/EUR 0 Private Centurion card 0 USD/EUR 0 USD/EUR 0 Private Green card USD/EUR 100 USD/EUR 50 Private Gold card USD/EUR 200 USD/EUR 100 Private Platinum card USD/EUR 400 USD/EUR 0 Private Centurion card USD/EUR 1,000 USD/EUR 0 Other charges Cash withdrawal from ATM or American Express travel agencies 4 % from the amount withdrawn (min. USD/EUR 10) Cheque withdrawal from ATM or American Express travel agencies 5 % from the amount withdrawn (min. USD/EUR 10) Payment for goods and services USD/EUR 0 Payment for late payment upon late payment duration 1.5%, or 3% (min. 15 USD/EUR, or USD/EUR 25) DINERS CLUB Cards Private basic card SKK 5,000 Private additional card SKK 2,500 Private basic ČSA card SKK 6,000 Private additional ČSA card SKK 3,000 Other charges SKK 90 + 2.5% from the amount withdrawn Cash withdrawal from the Bank or exchange office 4 % from the amount withdrawn Payment for goods and services SKK 0 Late payment charge 2,5% from total due sum per month Provided the cardholder requires that the card or PIN code should be sent abroad (only in exceptional cases and if this delivery is technically possible via a courier service), Tatra banka shall debit the actual costs of the courier service from the current account of total credit limit holder. P. O. Box P.O.Box use Safe-deposit boxes Safe-deposit box rental including insurance of deposited values amounting to SKK 100,000 SKK 9 + 19 % VAT per day Additional insurance of each excessive SKK 100,000 1SKK 1 + 19 % VAT per day Minimal rental period is 1 month. Western Union International money transfer service Charges for sending money Amount in USD Amount in Sk Amount in USD (current exchange rate specified by Western Union is used for conversion to SKK)* Over Up to Charge Over Up to Charge Over Up to Charge (incl.) (incl.) (incl.) 50 13 3 500 500 100 6 50 100 14 3 500 7 000 740 100 200 9 100 200 21 7 000 10 000 970 200 300 15 200 300 27 10 000 14 000 1 140 300 1 000 30 300 400 32 14 000 8 000 1 340 1 000 2 000 50 400 500 37 18 000 24 000 1 640 2 000 2 500 100 500 750 42 24 000 32 000 2 000 2 500 3 000 124 750 1 000 47 32 000 40 000 2 340 3 000 3 500 148 1 000 1 250 55 40 000 50 000 2 770 3 500 4 000 172 1 250 1 500 60 50 000 60 000 3 200 4 000 4 500 196 1 500 1 750 70 4 500 4 750 220 1 750 2 000 80 2 000 2 500 100 2 500 3 000 120 If sending funds exceeding USD 3,000, the charge shall increase by USD 20 in respect of each excessive USD 500 or a part thereof. If sending funds exceeding SKK 60,000, the charge shall increase by SKK 400 in respect of each excessive SKK 10,000 or a part thereof. * valid for sending of funds to selected countries: Albania, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Bulgaria, Czech Republic, Cyprus (northern), Estonia, Georgia, Croatia, Kazakhstan, Kyrgyzstan, Kosovo, Lithuania, Latvia, Macedonia, Hungary, Moldavia, Poland, Romania, Russia, Slovenia, Serbia and Montenegro, Tajikistan, Turkmenistan, Ukraine, Uzbekistan

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 7 Other services Delivery of funds to beneficiary's address * max.usd14/skk equivalent Telephone/telegram notification of beneficiary * max.usd 3/SKK equivalent Message to beneficiary (up to 10 words)* max.usd 3/SKK equivalent All Western Union charges are payable by money sender * Services are available only if provided by Western Union agent in beneficiary's country. Information services Bank information upon Client's request SKK 500 + 19 % VAT Information of the Client upon request of third persons regarding: Client SKK 800 + 19 % VAT Non-Client SKK 400 + 19 % VAT Information of interest rates for provided loans to: Client SKK 300 + 19 % VAT Non-Client SKK 500 + 19 % VAT Special confirmation regarding loan products: (e.g. confirmation of executed payments and loan balances, calculation of loan interests for the following period) SKK 300 + 19 % VAT Bank information for audit SKK 1,000 + 19 % VAT * confirmation issued as first in the respective calendar year is provided for free Special services Charges are made pursuant to the contract.. III. Service Charges of existing products and services not being sold by Tatra banka at the moment Service Packages ŠTANDARD Service Package SKK 59 per month 4 accounting items per month 1 account statement per month delivered by post in the country Internet banking and DIALOG charge Balík OPTIMAL SKK 79 per month 6 accounting items per month Standing orders and collections (placement, change and cancellation of standing orders and collections) 1 account statement per month delivered by post in the country Charge for 1 VISA Electron debit card excluding insurance (held by account owner) Internet banking and DIALOG charge EXTRA Service Package SKK 119 per month This Package includes: 20 accounting items per month Standing orders and collections (placement, change and cancellation of standing orders and collections) 1 account statement per month delivered by post in the country Charge for 1 VISA Electron debit card excl. insurance (held by account owner) Internet banking and DIALOG charge STUDENT Service Package SKK 11 per month Unlimited amount of automated transactions (including Tatra banka ATM cash withdrawals*) per month 1 account statement with annual frequency delivered by post in the country Internet banking and DIALOG charge SENIOR Service Package SKK 30 per month (only for pension beneficiary) This Package includes: 5 accounting items per month Standing orders and collections (placing and changes of standing orders and collections) 1 account statement per month delivered by post in the country Charge for 1 VISA Electron debit card excl. insurance (held by account owner) TatraStudent TB Service Package SKK 11 per month in SKK Account statement per year delivered by mail in the country for 1 VISA Electron debit payment card excluding Unlimited number of automated transactions (including cash withdrawals from Tatra banka ATMs *) per month Services provided via electronic communication media ** * Cash withdrawals from other ZBK ATMs within the SR and ATMs abroad are charged pursuant to the Basic Service Charges ** Internet banking, DIALOG, Mobil banking, b-mail and daily account statements delivered to e-mail address Telephone information of the account balance and activities provided at the Bank branches SKK 150 per month Certificates of deposit Redemption SKK 100 Prohibition of payout upon Client's request SKK 50 Multikarta TB VISA Electron The card was issued as part of TatraStudentMultiset TB service package only. Individual insurance SKK 590 Family insurance SKK 1,740 Other charges* Card payment SKK 0 Tatra banka ATM cash withdrawal SKK 0 ZBK ATM withdrawal SKK 34 Withdrawal from ATM abroad, at bank or exchange office in the SR and abroad 1.5 % from the amount withdrawn, min. SKK 150) Daily drawdown limit adjustment SKK 100 Card cancellation SKK 200 Card blockage SKK 100 Confirmation regarding payment card (e.g. insurance confirmation, visa issue, etc.) SKK 100 IV. Charging principles a) Charges for service packages or account maintenance, as well as charges for transactions and statements (transactions and statements exceeding the package limit) shall be debited from the account with a service package, as well as from the account without a service package in the end of a calendar month. Charge for service package or account maintenance shall always be charged in full amount for each started calendar month.

Service Charges for Branch Services Tatra banka, a.s., Provided to Individuals 8 b) Non-drawn services included in service packages shall not be refunded and they cannot be transferred to the next calendar month. c) Charges for executed transactions and account statements generated on Client's account on the last banking day in a month shall be charged in the next calendar month. For charging purposes, charging account transaction with instalments on credits and interests on credits provided to the Client by the Bank is not included in the number of automated accounting items covered under the service package price. d) Transactions and services exceeding the service package limit shall be charged under the rate set forth in the Service Charges without relation to the particular service package - on a monthly basis or in some other agreed time or immediately after provision/ change/cancellation of a product/service by the Bank. A different number of statements or means of statement delivery than set forth in particular service package, or a higher number of accounting items and other services not included in the service package shall be considered as exceeding the service package limit. e) Discounts on automated transactions shall be deducted from the total sum of all charges - at the end of a calendar month (in case of charging according to the chosen service package - discounts only up to the amount of package price- i.e. the Client shall always pay a full charge for the service package). The Bank shall provide information of discounts in the account statement description. f) The Client may anytime request the Bank to change the Client's service package to another service package offered by the Bank, or cancel the service package and continue with maintenance of Client's account without the service package. If the Client asks the Bank to activate some of the offered service packages, the Bank shall charge the current account of the Client pursuant to the chosen service package with effect stipulated by the Contract on Current Account of Corporate Entity and Individual Entrepreneur in SKK and Provision of Other Products and Services to This Account. Charges for services included in the chosen service package debited from the Client's account as at the effective date of the contract set forth herein shall not be refunded. The Client's account shall be charged under the newly defined service package with the next charge settlement whereby all other transactions executed in the particular month prior to the new package effective date shall be charged under this service package. g) The Bank provides ŠTUDENT service package up to 26 years of age of a Client. The account shall be maintained and charged as an account without a service package as of the day the Client is 26 years old. h) The Bank shall provide one free TatraClasic TB, TatraDynamic TB or TatraPremium TB service package to a Client provided the total average daily balance of Client's funds on Client's current, term deposit and savings accounts, i:deposits, passbooks and guaranteed investments maintained in SKK, as well as in investment packages and Tatra Asset Management participation certificates, in case Tatra banka is a distributor, or within the Participation Investment Programme With Life Insurance in the last month was higher than the amount defined by the Bank. i) Upon closing an account with a service package, as well as without a service package the Client shall pay only the charges for transactions and provided services, and that is as in case of an account with a service package, or without a service package, irrespectively of whether the account has been defined a service package or not. j) Upon processing the transactions executed by debit cards VISA Electron, MasterCard or credit cards VISA, Allianz, MasterCard in EUR, MercedesCard, MasterCard instalment cards at conversion of the transaction amount from the clearing currency to the currency of a current account or card account currency the Bank shall charge the processing charge in the amount of 1 % from the transaction sum. k) All charges set forth in the Basic Service Charges are valid also for products and services provided to Clients in a foreign currency. SKK/FX conversion is being realized by foreign currency middle of particular currency according to Tatra banka a.s. exchange rates. l) Provided the Client owns a private basic credit card VISA, VISA, AllianzCard, MasterCard in EUR or MercedesCard and the volume of charged cashless payments (i.e. payments for goods and services, not cash withdrawals) on Client's card account reaches in the period between charging of two monthly charges the minimum amount stated by the Bank, the Bank shall credit to the card account on the day of charging of another monthly charge the sum amounting to the respective charge. m) Charges for information of Clients of the Bank provided to authorized persons under the Act on Banks shall be charged by the Bank by means of invoice sent together with the Bank's answer with maturity period of 15 days. n) Charges for general information shall be charged by debiting the accounts of the Clients or by the advance invoicing of non-clients. o) If the Client uses any other services not included in these Service Charges, the Bank shall charge the provided services under particular Service Charges where the service is included. Service Charges for Branch Services Provided to Individuals are valid as of August 31, 2006.