A SPECIAL OFFER OF ADVANTAGEOUS BANKING PRODUCTS FOR EMPLOYEES OF CLEARSTREAM OPERATIONS PRAGUE, S.R.O.

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1 A SPECIAL OFFER OF ADVANTAGEOUS BANKING PRODUCTS FOR EMPLOYEES OF CLEARSTREAM OPERATIONS PRAGUE, S.R.O. We are a domestic bank, member of UniCredit Group. Our world-wide network covers about 50 markets; the Group has more than 9,500 branches and over 160,000 employees. The Bank s history on the Czech market dates back to 1868; in Slovakia the Bank has been existing for more than twenty years. We provide our services within an extensive network of more than 220 branches in the Czech Republic and Slovakia. Since the beginning of December 2013, UniCredit Bank has been providing banking products and services under the united corporate name of UniCredit Bank Czech Republic and Slovakia, a.s. in both countries. We greatly appreciate the opportunity to offer you advantageous banking products that accommodate personal needs of your company employees. HIGHLIGHTS OF OUR OFFER: Mobility of an account we will arrange free the entire administration connected with the account transfer, inclunding the transfer of standing payment orders and collections/direct debits Possibility of maintaining selected personal account quite free Granting of a mortgage loan free for an uncontested interest rate All withdrawals from ATMs of all providers in the Czech Republic and abroad CASH BACK possibility of free cash withdrawals at cash desks of selected shopping centres. Find a list of all operators at the website address These sales points are marked with a label Visa Cash Back or MasterCard Cash Back. Bank in you smart mobile telephone free simple and comfortable access to your account at any time and everywhere. Granting and maintaining of an overdraft in selected accounts UNICREDIT BANK - NA POŘÍČÍ Mgr. Leoš Pokorný, branch manager Tel: Mob: leos.pokorny@unicreditgroup.cz InfoLine Kindly set out CLEARSTREAM when making a contact with our Bank employee Complete list of our branches

2 These conditions U ACCOUNT guaranteed for 10 years! WITH YOUR U-ACCOUNT YOU GET FREE OF CHARGE: Maintenance of an account in CZK and foreign currency All withdrawals from ATMs of all providers in the Czech Republic and abroad All domestic outgoing standard payments submitted electronically (one off payments, standing orders, SIPO service and direct debit) and all domestic incoming standard payments Cash deposits made at the branch or through a UniCredit Bank ATM to UniCredit Bank CR accounts VISA BASIC international payment card Cash Back cash withdrawals at payment by card in the Czech Republic SMART mobile security key, Online Banking, Smart Banking for mobile phones No fee is charged on the U - Account (the Account ) if the condition is met of a minimum CZK 12,000 monthly cashless credit turnover (a salary or pension) on the CZK account. If the above minimum monthly incoming payment threshold is failed, a fee according to the standard Price List is charged for the Account, i.e. CZK all outgoing electronic payments, incl. SIPO sevice payments and direct debits + outgoing standard domestic payments executed based on a standing order, direct debit and SIPO mandate + all withdrawals from ATMs of all operators in the Czech Republic and abroad. Guarantee of the conditions:the Bank guarantees to the Client the advantageous fee conditions for the period of ten years from the signature date of the U konto contract, providing the Account Owner meets all terms and conditions set down for this product type. The amount of the account monthly maintenance fee to be charged the conditions fail to be conformed to may change in accordance with the Czech inflation rate, while the monthly threshold for the incoming payments may change in accordance with the Czech average wage. Any products and services used outside the Account framework are subject to fees according to the relevant sections of the Price List. MORTGAGE LOAN WITH AN EXCLUSEVE INTEREST RATE Mortgage loan, free of the loan provision and maintenance fees* Optional fixed or variable interest rate, with a switch to the fixed rate possible at any time For the fixed interest rate mortgage loan, the applicable rate may be discounted for as much as 1.2% p.a. (0.1% special offer for Clearstream, 0.5% Cardif insurance, 0.5% active account and 0.1% active credit card) Exclusive fixed rate currently from 1.89% p.a. for 2 years Free real property appraisals at property purchasing or refinancing ** * The special offer of a mortgage loan free of the loan provision and maintenance fees is open for the applications filed by 30 June 2014, providing the contract is then signed by 31 July ** The special offer of a mortgage loan free of the real property appraisal fee is open for the applications filed by 30 June 2014 include mortgage payment protection insurance paid as a lump sum. PRESTO LOAN CONSOLIDATION OF LOANS, OVERDRAFT FACILITIES AND CREDIT CARDS See easily for yourself how much you can actually save at Consolidate your loans, credit cards and overdrafts and save money You may consolidate loans up to CZK 1,000,000 in total if an account is opened jointly with the insurance, we will pay possible penalties connected with premature repayment of existing debts with other providers. The interest rate applies subject to arranging the payment protection insurance, and, an actively used account with UniCredit Bank (or, signing an intent to move your account): The interest rate is valid until recalled, under the terms and conditions stipulated by the Bank. UniCredit Bank reserves the right not to grant the consumer loan if the required conditions fail to met. Loan amount CZK of whis total loan amount CZK of which insurance fee CZK of which provide fee CZK Loan repayment period 84 months Monthly instalment CZK Interest rate (p.a.) 8,90% Total due by client CZK APR 15,10%

3 AGIP CREDIT CARD GET AS MUCH AS CZK 2 PER LITRE DISCOUNT ON YOUR FUEL Earn your point under the you&eni programme Free maintenance of your card if used to spend monthly at least CZK 3,000 or for a CZK 40 fee Unique travel insurance included in the card price - a medical treatmet expense limit up to CZK 1.7 milion Interest rate (p.m./p.a) 1,95% / 23,40% 40 CZK p.m. APR (effective annual percentage rate) 30,01% CZK CZK Services of the MaterCard Nonstop Alarm centre Concierge, Home, Auto assistance A 0% interest rate applies when using the grace period for your cashless payments, i.e. if your outstanding amount is repaid at 100% by the due date on the account statement the grace (i.e. interest free) period a zero interest rate for up to 45 days. The foregoing does not apply to the cash withdrawals on which interest is always charged. *) No card account administration fee will be charged providing the cashless turnover totalled at least CZK 3,000 over the previous month. The credit limit is arranged for an indeterminate time period. The APR has been calculated upon assumption that the credit limit will be fully drawn down by a cashless payment on the first day following the contract signature;the above interest rate will be charged on the credit limit; the credit limit will be repaid by identical monthly instalments commencing 1 month from the first drawing date; no use will be made of the grace period; the above fee will be paid; and, only electronic account statements will be used MILES & MORE CREDIT CARD ENJOY THE CLUB BENEFITS Earn frequent flyer miles by using your credit card at any card payment Bonus of up to 4,000 flyer miles Unique travel insurance included in the card charge - a medical treatment expense limit up to CZK 2.5 million MasterCard ELITE programme MasterCard Nonstop Alarm centre services Concierge, Home, Auto assistance 0% interest rate where the grace period for cashless payments is used, i.e. if 100% of the liable amount is repaid before the due date in the account statement the interest-free period may last up to 45 days. *) Where combining the card with selected Personal Accounts, the card account is maintained under advantageous conditions. The credit limit is arranged for an indeterminate period. For the Miles&More programme members with the SENATOR and HON Circle membership, free card account maintenance is provided. The APR calculation is based on the assumption that the credit limit will be fully drawn down by a cashless payment on the first day following the contract signature, granted for a 1 year period, charged with the above interest rate, repaid at equal monthly payments commencing 1 month from the first drawing date, and, that no grace period will be used, that the above fee will be settled and only electronic account statement will be used. Interest rate (p.m./p.a.) 1,95 % / 23,40% 70 CZK p.m. APR (effective annual percentage rate) 32,64% CZK CZK

4 VISA CLASSIC CREDIT CARD A UniCredit Bank Visa Classic card is issued free of charge 50% discount on the monthly card maintenance fee Option to set up a 100% direct debit, thus ensuring full repayment of the due amount from your account within the grace period 0% interest rate where the grace period for cashless payments is used, i.e. if 100% of the liable amount is repaid before the due date in the account statement the interest-free period may last up to 45 days. The credit limit is arranged for an indeterminate period. The APR calculation is based on the assumption that the credit limit will be fully drawn down by a cashless payment on the first day following the contract signature, granted for a 1 year period, charged with the above interest rate, repaid at equal monthly payments commencing 1 month from the first drawing date, and, that no grace period will be used, that the above fee will be settled and only electronic account statement will be used. Interest rate (p.m./p.a.) 1,58% / 18,96% 20 CZK p.m. APR (effective annual percentage rate) 22,74% CZK CZK AXA CREDIT CARD THE MORE YOU PAY, THE MORE YOU SAVE Free-of-charge card maintenance At least 1% of purchases by your AXA Card is credited to the account of the product arranged with AXA (up to 17% credited to the AXA Club members!) Up to CZK 2,760 state contribution to the supplementary pension members Either make your insurance cheaper or increase your investments 0% interest rate where the grace period for cashless payments is used, i.e. if 100% of the liable amount is repaid before the due date shown in the account statement the interest-free period may last up to 45 days. *) The credit limit is arranged for an indeterminate period. The APR calculation is based on the assumption that the credit limit will be fully drawn down by a cashless payment on the first day following the contract signature, granted for a 1 year period, charged with the above interest rate, repaid at equal monthly payments commencing 1 month from the first drawing date, and, that no grace period will be used, that the above fee will be settled and only electronic account statement will be used CZK Interest rate (p.m./p.a.) 1,33% / 15,96% 0 CZK p.m. APR (effective annual percentage rate) 17,49% CZK CZK

5 You receive the discounts on the condition your pay is sent to an account with UniCredit Bank. The offer is intended for all employees with the group employee ID card. This version of the offer is open until recalled, however until 31 August 2014 at the latest. For the applicable version of the offer, please, consult having first entered the Offer ID Code: J10055, Password: cop1 This offer is valid for both new and current clients of UniCredit Bank. Interest rates for the credit and deposit products are those valid at the date of the offer publication. The Bank reserves the right to change the rates and inform the clients on such changes in its web pages. The applicable version of the offer will be published in the pages dedicated for the purpose. Advantageous conditions may not be applied after brokering the trade by a third party. This offer is only indikative, is not an offer to enter into a contract and cannot therefore be construed as obliging the bank to undertake any transactions. A potential entry into an agreement or undertaking a transaction is conditional upon the obtaining of relevant internal approvals within the bank and the signing of relevant contractual documentation.