INFO SHEET Effective from 1 January 2012 Applies to individuals

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1 This Info Sheet from Citibank Europe plc, a company established and existing under the laws of Ireland, with its registered office at North Wall Quay 1, Dublin, Ireland, registered in the Company Register in the Irish Republic under No (hereinafter Bank ), contains information about the time limits for the delivery of a payment order, about maximum time limits for completing payment transactions, and other useful information including, inter alia, payment systems for clients of the Bank s branch in the Czech republic Citibank Europe plc, organizační složka, with its registered office at Bucharova 2641/14, Postcode , Prague 5, Stodůlky, Czech Republic, ID No , entered in the Company Register administered by the Municipal Court in Prague, Section A, File (hereinafter Clients ). 1. TIME LIMITS FOR THE DELIVERY OF A PAYMENT ORDER Standard time limits for the delivery of an outgoing payment order Payment product Electronic transactions Manual transactions (mail, fax, personal delivery) Domestic Outgoing Payment in CZK 6:30 p.m. 3:00 p.m. Domestic Outgoing Express Payment in CZK 12:00 p.m. 10:30 a.m. Foreign Currency Outgoing Payment* 1:00 p.m. 1:00 p.m. Direct Debit Order, Direct Debit Approval 2:00 p.m. 2:00 p.m. Internal Transfer within the Bank - in domestic currency 6:30 p.m. (4:30 p.m.**) 3:00 p.m. - in foreign currency 1:00 p.m. 1:00 p.m. Note: * including CZK transfers abroad ** the time limit applies to internal transfers to accounts held by corporate clients (account numbers starting with 25 and 20) Standard time limits for the delivery and processing method of an incoming payment order Payment product Domestic Incoming Payment Domestic Incoming Express Payment Foreign Incoming Payment SEPA Incoming Payment Funds received by the Bank 3:00 p.m.* 3:00 p.m.* Crediting the funds to the Client s account with the Bank D + 0* Note: D is the day on which the Bank receives the transferred amount from the Payer s provider/correspondent bank. * In the case of a foreign incoming payment and a SEPA incoming payment, the transferred amount shall be credited to the Client s account with the Bank on the day on which the Bank receives the amount, as long as the Bank obtains a confirmation no later than 3:00 p.m. of the same day that the transferred amount was received in the Bank s account (payment coverage). If the Bank obtains this confirmation later, the funds shall be credited to the Client s account on the following business day. Page 1/6

2 Standard time limits for the delivery of a payment order in the form of cash deposit and cash withdrawal Transfer type: Cash deposit to the Client s account Cash withdrawal from the Client s account Delivery of the order to the Bank during the opening hours of the branch (cash desk) during the opening hours of the branch (cash desk) 2. MAXIMUM TIME LIMITS for processing PAYMENT TRANSACTIONS Outgoing payments (regardless of how the payment order is delivered) Domestic Outgoing Payment A domestic outgoing payment shall be credited to the account of the Payee s provider no later than the next business day after the funds from the Client s payment account have been debited, i.e., the Bank shall credit the domestic outgoing payment to the account of the Payee s provider within the D+1 regime at the latest. Domestic Outgoing Express Payment A domestic outgoing express payment shall always be credited to the account of the Payee s provider on the day on which the funds have been debited from the Client s payment account with the Bank, i.e., within the D+0 regime. Foreign Outgoing Payment in CZK and EUR A foreign outgoing payment in CZK and EUR shall be credited to the account of the Payee s provider no later than the next business day after the funds from the Client s payment account have been debited, i.e., the Bank shall credit the foreign outgoing payment in CZK and EUR to the account of the Payee s provider within the D+1 regime at the latest. Foreign Outgoing Payment (except for Foreign Outgoing Payments in CZK and EUR) A foreign outgoing payment (except for foreign outgoing payment in CZK and EUR) shall be credited to the account of the Payee s provider no later than two business days after the funds from the Client s payment account have been debited, i.e., the Bank shall credit the foreign outgoing payment (except for foreign outgoing payment in CZK and EUR) to the account of the Payee s provider within the D+2 regime at the latest. SEPA* Outgoing Payment A SEPA outgoing payment shall be credited to the account of the Payee s provider no later than on the next business day after the funds from the Client s payment account have been debited, i.e., the Bank shall credit the SEPA outgoing payment to the account of the Payee s provider within the D+1 regime at the latest. Direct Debit The Bank shall deliver the Client s direct debit order to the Payer s provider no later than on the next day after the direct debit has been submitted by the Client. Internal Transfer within the Bank An internal transfer shall always be credited to the Payee s account with the Bank on the day on which the funds were debited from the Client s payment account with the Bank, i.e., within the D+0 regime. D in this article means the day of debiting the funds from the Client s payment account with the Bank if the deadline in chapter 1 (DEADLINES FOR THE SUBMISSION OF PAYMENT ORDERS) is met and the digit after D expresses the number of business days. Incoming Payments Page 2/6

3 A domestic incoming payment and a domestic incoming express payment shall always be credited to the Client s payment account on the day on which the transferred amount was credited to the Bank s account. A foreign incoming payment and a SEPA incoming payment shall be credited to the Client s payment account on the day on which the transferred payment was credited to the Bank s account as long as the Bank obtains a confirmation that the transferred amount was received in the Bank s account (payment coverage) within the time limit for the receipt of a payment order (see above). Cash Transactions Payment orders by means of cash deposit and cash withdrawal are processed by the Bank (i.e., the amount of the payment transaction is credited to or debited from the Client s payment account) on the day on which the order is delivered to the cash desk of one of the Bank s branches. 3. REVOCATION OF SOME TYPES OF PAYMENT ORDERS Revocation of all types of payment orders is governed by the Business Terms and Conditions of Citibank Europe plc, organizační složka. 4. EEA TRANSACTIONS, FEE INDICATOR, CORRESPONDENT AND SUBSEQUENTLY CHARGED FEES Outgoing EEA Transactions For the purposes of this Info Sheet, an outgoing EEA transaction is a payment transaction (i.e., payment transaction where the Bank acts as Payer s payment service provider) in a currency that is the currency of a member state of the European Economic Area (hereinafter EEA ), which is executed by the Payee s payment service provider in an EEA member state. Fees for outgoing EEA transactions (including outgoing EEA transactions with currency conversion) are charged according to the SHA indicator (i.e., the Client as the Payer pays the fee charged by the Bank and the Payee pays the fee charged by the Payee s provider). The fee charged by the Bank is listed in the Bank s List of Charges. The Client must choose the SHA indicator for any outgoing EEA transaction (regardless of whether the payment transaction involves currency conversion). For outgoing EEA transactions, participants in the payment transfer must not deduct any charges (e.g., correspondent fees) from the transferred funds and must deliver the full amount of the transaction to the Payee s final provider. BEN indicator If the BEN indicator is chosen, all fees of providers participating in the payment transaction are deducted from the amount of the payment transaction. As a Payer, the Client shall only pay the amount of the payment transaction, and the Payee shall receive the amount minus all fees. As a Payer, the Client shall not be charged any additional fees. SHA indicator If the Client opts for SHA on an outgoing EEA transaction, the Client (Payer) shall pay the fee charged by the Bank, that is the Payer s provider and the Payee shall pay the fee charged by the Payee s provider. Page 3/6

4 If the Client opts for SHA on any other payment transaction (i.e., payment transaction that is not an EEA transaction), the Client shall pay, in addition to the amount of the payment transaction, the fee of the Bank (Payer s provider), and fees of other providers participating in the payment transaction (i.e., correspondent providers and the Payee s provider) shall be deducted from the amount of the payment transaction. OUR Indicator When the client opts for the OUR indicator, he/she shall also pay, in addition to the amount of the payment transaction and the Bank s fee for executing the transaction, the OUR fee pursuant to the valid List of Charges. This is a fixed fee to cover all expenses related to the execution of the payment transaction, in particular the fees of intermediating providers and of the beneficiary s provider. In return for the fee, all such expenses are the responsibility of the Bank.* The final beneficiary will thus be credited the whole amount of the payment transaction. * Exceptions: Foreign outgoing payments in USD where the Bank will cover expenses related to the execution of the payment transaction up to USD 80. If the expenses exceed this limit, the difference will be charged to the Client. The NSTP fee, which the Bank charges when the Client fails to submit the BIC or IBAN for a submitted foreign outgoing payment regardless of the BEN/SHA/OUR indicator (see section NSTP fee). Fees subsequently charged by the bank OUR fee If the Client chooses the OUR indicator (if possible according to the aforementioned rules) for a foreign outgoing payment (including transfers of amounts in CZK abroad), he/she will subsequently be charged the OUR fee (see section OUR Indicator). The amount of this fee depends on the currency of the transaction as follows: USD 20 EUR 20 CZK 550 JPY CHF 30 HUF AUD 30 GBP 20 CAD 20 PLN 60 SEK 100 NOK 100 DKK 100 ZAR 150 * For foreign outgoing payments in USD, the Bank will cover all expenses related to the execution of the payment transaction up to USD 80. If the expenses exceed this limit, the difference will be charged to the Client. NSTP fee NSTP fee CZK 200 Page 4/6

5 If the Client submits a foreign outgoing payment (including transfers of amounts in CZK abroad) to be transferred to a bank in an EEA member state, they are required to indicate the BIC of the beneficiary s bank and the IBAN, regardless of the currency of the transaction. If the payment order delivered to the Bank fails to contain this information, the Client will be charged the NSTP (Non Straight Through Processing) fee of CZK 200. The Bank will charge this fee to the Client no later than 5 business days after processing the payment order. In return for this fee, the Bank assumes responsibility for all expenses related to the required manual processing of the foreign outgoing payment (including transfers of amounts in CZK abroad) because it fails to contain information required by banks in EEA member states. The expenses include primarily the fee of the Bank and of the beneficiary s bank for an incorrectly structured payment order. For the client to avoid this fee, it is necessary that the foreign outgoing payment (including transfers of amounts in CZK abroad) contain the bank details of the beneficiary in the following form: 1) BIC* (SWIFT) of the beneficiary s bank indicated in the SWIFT field. This is a standalone string of 8 or 11 characters (e.g., CITICZPX). 2) IBAN* (the beneficiary s account number in the IBAN format) is a standalone number without spaces and additional characters at the beginning and at the end. The aforementioned rules are valid for all foreign outgoing payments (including transfers of amounts in CZK abroad) to be transferred to a bank in an EEA country regardless of the currency of the transaction and the SHA/BEN/OUR fee indicator. *The Client should contact his/her business partners for information about their BIC and IBAN. When the beneficiary s bank is specified by its BIC (SWIFT) code, no other information needs to be provided about it. If the BIC code and the name of the beneficiary s bank as indicated by the Client do not match, the BIC code indicated by the Client shall prevail for the purposes of processing the payment transaction. The same rule applies in general to all types of payment transactions. Fees deducted from the transferred amount If the Client opts for BEN or SHA on an outgoing payment (if available according to the aforementioned rules), the amount of the payment transaction can be reduced by the fees of the bank sending the payment, Payee s bank, or correspondent banks. This does not apply to outgoing EEA transactions. For payments in USD, the fees charged by Citibank s correspondent bank (Citibank N.A., New York, US) are set as follows: Transaction amount in USD (from to) Fee in USD , ,001-10, , , exceeding 100, For payments in EUR except for EUR transfers within the EEA, the fees charged by Citibank s correspondent bank (Citibank N.A., London, UK) are set as follows: Transaction amount in EUR (from to) Fee in EUR , ,001-10, , exceeding 50, Page 5/6

6 5. INTEREST RATE DEFINITION: The fixed interest rate shall be arranged for a period pre-defined in the application for a time deposit, and the Bank may not change the rate during the agreed period of time. The indexed interest rate shall be published by the Bank, which may change it unilaterally in accordance with changes in the reference rates. The reference interest rate of the Bank shall be the basic two-week repo rate of the Czech National Bank, which is publicly available on the website of the latter. Changes in the interest rate shall be made without undue delay after the day on which the change in the reference rate is announced. The Bank shall calculate and perform the change in a neutral fashion. In case of deposit products in currencies other than CZK, the changes in interest rates can be occur particularly (i) in relation to the expected or actual changes in the respective national legislation, (ii) based on the requirement or decision of the relevant regulator, or (iii) based on the changes in the reference rates of other central banks, particularly the European Central Bank. Clients shall be informed about each change without undue delay on the website, in client statements, and at Bank branches. PLEASE NOTE: 1. The amount of fees charged at a later point and deducted from the transferred amount (as mentioned in Article 4 above) depends on the business terms and conditions (price lists) of the respective payment service providers participating in the transfer of funds (correspondent banks and Payees payment service providers), and the Bank cannot influence them. 2. To the extent that the written agreement between the Bank and the Client differs from this Info Sheet, the stipulations of the written agreement prevail. 3. This Info Sheet shall replace the Info Sheet of the bank effective from 1 June This Info Sheet constitutes a part of the conditions under which the Bank provides Payment Services pursuant to Act No. 284/2009 Coll. on the payment services, as amended. Page 6/6

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