Citikonto Plus package

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1 Citikonto Plus package List of Charges for Products and Services

2 Citikonto Plus package Effective January 1, 2014 Fee type Due date Fee amount Citikonto Plus Includes a current Account, savings account, Investment account, CitiPhone and Citibank Online services and the issuance of a CitiCard Debit Card. CURRENT ACCOUNT AND SAVINGS ACCOUNT A Account opening, maintenance and closing 1. Opening a Citikonto Plus 2. The maintenance of the Citikonto Plus package is free of charge for first three months after opening. After this period, the maintenance of the Citikonto Plus package remains free of charge - if the average monthly balance is at least CZK 250,000 in all the accounts within the Citikonto Plus package, or - if the sum of incoming payments in the accounts within the Citikonto Plus package in a month is at least CZK 25,000 (transfers between your own accounts maintained by the Bank in the CR are not considered incoming Payment Transactions). See articles 4 and 6 of the General provisions. In other cases Monthly Monthly CZK Statements (includes all current and savings accounts, time deposits and Investment accounts of the Client) a) Sending electronic account statements b) Sending paper account statements CZK Issuance and use of the CitiCard Debit Card 5. Interest on the current Account in CZK (other currencies) 0.05 % p.a. (0 % p.a.) 6. Minimum balance in the current Account CZK 500 B Current Account 1. Opening the first current Account in any currency 2. Maintenance of a current Account 3. Opening another current Account in the same currency 4. Closing of a current Account, requested by the Client 5. Closing of a current Account, requested by the Bank C Savings account 1. Opening a savings account 2. Maintenance of a savings account 3. Transaction processing on the savings account 4. Interest on the savings accounts Information on rates can be obtained at Bank Establishments, on the Bank s Website, or via CitiPhone service ( ). Deposits in savings accounts do not have any notice period and can be transferred every day without any penalty. D Time deposits 1. Opening a time deposit 2. Maintenance of a time deposit 3. Transaction processing on the time deposit 4. Early termination of a time deposit A time deposit that was not set up through an application delivered via Citibank Online can only be terminated in full, not in part. The contractual penalty for early termination is equal to 1% of the amount of the deposit. The interest rate for a time deposit that is terminated early is 1 percentage point lower than the rate corresponding to the actual savings term (deposit period) during which the funds were deposited in the Bank, as Published by the Bank. If the Bank does not publish an interest rate for such savings term (deposit period), it will apply a rate 1 percentage point lower than the interest rate for the nearest shorter savings term (deposit period) for which the Bank Publishes an interest rate. A time deposit that was set up through an application delivered via Citibank Online can be terminated in full or in part. In case of partial termination, the part of the time deposit terminated must exceed CZK 10,000. If the deposit is terminated within 28 days (inclusive) of its opening, no interest is paid out. If it is terminated after more than 28 days, the Client shall receive interest calculated as follows: I = (P x IR x (number of days between opening the time deposit and the early termination)/360 or (365/366) T, where P is the amount at opening/ renewal and IR is the rate Published by the Bank corresponding to the actual savings term (deposit period) during which the deposit was deposited with the Bank. If the Bank does not publish an interest rate for such savings term (deposit period), it shall apply the interest rate corresponding to the nearest shorter savings term (deposit period) for which it Publishes an interest rate, and to the early terminated amount; T is the applicable withdrawal tax. For CZK, EUR, and USD, the interest base shall be 360, while for GBP it is always equal to the actual number of days in the given year. The balance of the time deposit after partial early termination yields interest corresponding to the interest rate valid as of the day of partial early termination, to the balance of the time deposit and to the original maturity. 5. Interest rates of time deposits Information on rates can be obtained from the Interest Rate Sheet, at Bank Establishments, on the Bank s Website, or via CitiPhone service ( ).

3 E Investment account 1. Opening an Investment account 2. Maintenance of an Investment account 3. Closing of an Investment account For information about Fees related to transactions with investment instruments, see the Scale of Charges of Investment Products and Services. Current Lists (Scales) can be obtained at Bank Establishments or on the Bank s Website. CITIPHONE AND CITIBANK ONLINE F CitiPhone Telephone banking 1. The setup and maintenance of the CitiPhone services; includes both services provided by a telephone banker and by the Citibank interactive voice response system 2. a) Choosing a T-PIN b) Changing a T-PIN 3. The CitiAlert service (sending information messages as per Client s selection) CZK 29 G Citibank Online Internet banking 1. Setup and maintenance of the Citibank Online service 2. a) One-time Fee for maintaining the Personal Key b) Re-issuance of the Personal Key H Cashless Payment Transactions and Payment Orders 1. Setting up a standing Payment Order or SIPO 2. Changing/cancelling a standing Payment Order or SIPO 3. Setup/changing/canceling automatic transfers between a current and savings account (The minimum balance in the current Account for an automatic transfer to be performed is CZK 20,000. The lowest difference between a minimum and maximum balance for an automatic transfer is CZK 5,000) 4. Entering a Payment Order or approval of a Payment Transaction initiated by the payee (direct debit) 5. Changing/canceling a Payment Order or approval of a Payment Transaction initiated by the payee (direct debit) 6. Domestic Payment Transactions a) Domestic incoming Payment Transactions in CZK b) Domestic outgoing Payment Transactions in CZK into another bank c) Domestic outgoing Payment Transactions in CZK between the Client s accounts or accounts within the Bank 10 payments free of charge then CZK 3 CZK 14 CZK 14 d) Express domestic outgoing Payment Transactions in CZK CZK Foreign currency and foreign Payment Transactions a) Outgoing foreign currency or foreign Payment Transaction if the Payer specified the SHA Fee indicator b) Outgoing foreign currency or foreign Payment Transaction if the Payer specified the BEN Fee indicator c) Outgoing foreign currency or foreign Payment Transaction if the Payer specified the OUR Fee indicator 1% of amount, min. CZK 300, max. CZK 2,000 CZK 1,000 (deducted directly from the transferred amount) 1% of the amount, min. CZK 300, max. CZK 2,000 + the additional OUR Fee Additional OUR Fee: AUD 30, CAD 20, CHF 30, CZK 550, DKK 100, EUR 20, GBP 20, HUF 6,000, JPY 6,000, NOK 100, PLN 60, SEK 100, USD 20 or ZAR 150, depending on the currency of the account from which the Payment Transaction is made. For outgoing foreign Payment Transactions in USD, the Bank covers all expenses related to the execution of the Payment Transaction up to USD 80. If the expenses exceed the limit, the excess amount is charged to the Client. The NSTP Fee is charged to the Client for Payment Transactions listed under a), b) or c) for a Payment Order related to an outgoing foreign Payment Transaction to an account maintained by a payment service provider in an EEA member state and which does not define the beneficiary s BIC and IBAN. Additional NSTP Fee: CZK 200. d) Outgoing SEPA Payment Transactions 1% of the amount, min. CZK 300, max. CZK 2,000

4 e) Incoming and outgoing Citibank Global Transfer Payment Tansactions (CGT is a cashless Payment Transaction to accounts maintained by selected entities from the Citibank Group abroad. It can be initiated via Citibank Online) f) Outgoing foreign currency Payment Transactions within the Accounts maintained by the Bank in the Czech Republic g) Incoming foreign currency or foreign Payment Transactions, including SEPA Payment Transactions h) If the Client opts for BEN or SHA Fee indicator on an outgoing Payment Transaction, 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. 8. Payment Transactions between the Client s own Accounts at the Bank CZK 90 CZK Cancellation of outgoing foreign currency or foreign Payment Transactions CZK 500 I Cash-based Payment Transactions in accounts maintained in CZK 1. Incoming Payment Transactions (Cash deposit) 2. Outgoing Payment Transactions (Cash withdrawal) up to CZK 2 mil. CZK 300 over CZK 2 mil. 3. Failure to carry out an announced Payment Transaction CZK Other services performed by the Bank in relation to cash-based Payment Transactions (counting, sorting etc.) J Cash-based Payment Transactions in a currency other than Czech CZK 200 for every 15 minutes commenced 1. Deposit in Czech currency to an account maintained in a currency other than Czech 2. Deposit in a currency other than Czech banknotes CZK 40 (see article 2 of the General provisions) 3. Outgoing Payment Transactions (Cash withdrawal) from the account in a currency other than Czech 4. Failure to carry out an announced Payment Transaction CZK Other services performed by the Bank in relation to cash-based Payment Transactions (counting, sorting etc.) 0.5% of the amount withdrawn, min. CZK 50 CZK 200 for every 15 minutes commenced CitiCard Debit Card The basic daily limit for cash withdrawals from ATMs is CZK 40,000 and for cashless Payment Transactions CZK 20,000. A Issuance and maintenance of a Debit Card 1. Issuance and maintenance of a Debit Card 2. Setting or changing an A-PIN B Reissuance of a Debit Card, regular or after loss, theft or damage 1. a) Regular reissuance of a Debit Card at expiration b) Reissuance of a Debit Card after theft or damage, if it was the result of a criminal act (requires confirmation from the Police of the Czech Republic) c) Reissuance of a Debit Card before expiration 2. Blocking of a Debit Card if loss, theft or damage are reported. In the event of loss or theft, Debit Cards are blocked automatically. C Transaction Fees 1. Cash withdrawal from an ATM in the Czech Republic Monthly 4 withdrawals free of charge, after that CZK Cash withdrawal from an ATM abroad Monthly CZK Using a Debit Card in the merchant network D Insurance accompanying a Debit Card 1. Family Insurance for Your Travel Monthly CZK Fraudulent Usage Insurance 100 (not offered any more) Monthly CZK 79 The insurance products are offered by the Bank, in alliance with BNP Paribas Cardif Pojišťovna, a. s., the provider of the insurance. Detailed information about insurance products is available at the Bank s Website (

5 E General Fees 1. Change in Client information 2. Change in limits settings Checks and Foreign Exchange Services A Traveler s checks 1. Citicorp, American Express traveler s checks paid for by crediting an Account at the Bank Purchase 2. Other traveler s checks paid for by crediting an Account at the Bank Purchase 1% of the amount 3. Acceptance of checks for collection to an Account (for the Bank Clients only) CZK 650 B Foreign exchange services 1. Purchase and sale of foreign currency in cash (CZK) 2. Purchase of banknotes in the legal exchange period 3. Foreing currency conversion Other services and general provisions 1.5%, min. CZK 30 30%, min. CZK 100 3%, min. CZK 30 A Exchange of local currency banknotes and coins 1. Whole and undamaged banknotes and coins or banknotes and coins with normal wear sorted by nominal value within the meaning of Act No. 136/2011 Coll. up to 100 notes or coins of a single nominal value over 100 notes or coins of a single nominal value 2.5%, min. CZK Whole and undamaged banknotes and coins, unsorted, or banknotes and coins with normal wear, unsorted within the meaning of Act No. 136/2011 Coll. up to 100 notes or coins of a single nominal value over 100 notes or coins of a single nominal value 4%, min. CZK Not whole banknotes for which compensation is provided pursuant to Act No. 136/2011 Coll. 4. Replacement of sorted banknotes during the exchange legal period 5. Replacement of unsorted banknotes during the exchange legal period 30 %, min. CZK Replacement of not standardly damaged banknotes Not performed B Other services 1. Rental of a safety deposit box The Fee is determined by the List of Charges of each Establishment 2. Cash and commercial services not listed in the List of Charges or provided beyond For every 15 minutes CZK 200 the scope of standard services commenced C Provision of Client information 1. Providing information to another financial institution 2. Compensation for providing information to courts for the purposes of a civil trial, or to an authorized person to enforce a judgement 3. Providing information to the Client at the Client s request (issuing a duplicate of CZK 90* a Payment Order, copy or verified photocopy of an archived document, copy of an account statement, confirmation of account balance) * At the written request of the Client, the Bank will provide personal information about the Client once a year free of charge. D General provisions 1. In addition to Fees indicated in the List of Charges, the Bank charges the Client any additional Fees billed by other banks or other companies involved in the provision of the respective service or product. 2. Outgoing cash-based Payment Transactions (cash withdrawal) at Establishments can be performed in USD, EUR, GBP, CHF, and JPY. 3. The aforementioned Fees do not include the value added tax. If the applicable law states that a Fee is subject to the VAT, this will be added to the Fee as provided for in the applicable law. 4. The decisive period for calculating whether the client qualifies for Citikonto Plus free of charge is the preceding calendar month. 5. Unless otherwise specified, monthly Fees (e.g., insurance Fee) shall be charged at the beginning of the following calendar month for the previous calendar month. The monthly maintenance Fee is charged according to section 5. Transaction Fees are charged immediately after transaction processing. 6. As the owner of the Citikonto Plus package, you can add a family member to your current Account as a co-owner or an authorized person, or open a separate account for them. Your spouse or registered partner can be the co-owner of your account. The following persons may become authorized for your account or have a separate account opened: your spouse, registered partner, children, parents, and siblings. In all cases specified above, accounts for family members will be opened and maintained free of charge as part of the Citikonto Plus package. The family member will also be issued an embossed CitiCard Debit Card (MasterCard) free of charge.

6 Citibank Europe plc, company established and existing under the Irish law, registered seat at Dublin, North Wall Quay 1, Ireland, registered in the Register of Companies in the Republic of Ireland, under the number , conducting its business in the Czech Republic through Citibank Europe plc, organizačni složka, registered seat at Prague 5, Stodůlky, Bucharova 2641/14, Postal Code , Reg. No , registered in the Commercial Register with the Municipal Court in Prague, Section A, Insert CitiPhone CA/24G/05/11/14/AJ

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