PRICE LIST OF PRODUCTS AND SERVICES FOR PRIVATE INDIVIDUALS PART 2. This Pricelist comes into effect on 1 March 2016.

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1 PRICE LIST OF PRODUCTS AND SERVICES FOR PRIVATE INDIVIDUALS PART 2 This Pricelist comes into effect on 1 March 2016.

2 The Pricelist for Products and Services for Private Individuals (hereinafter the Pricelist ) contains the amount and conditions for the payment of fees and also any other types of monetary performance agreed between you and the Bank. The Pricelist is graphically divided into Part 1 and Part 2, nevertheless both parts are a single legal document and, if the Pricelist is referred to in any other documents, the Pricelist shall be regarded as being both parts. Fees for some Banking Services that you use, or other monetary performance agreed between you and the Bank, can be contained in Part 1 or Part 2 of the Pricelist. We recommend using the Pricelist together with the relevant Contract, the General Business Conditions of Raiffeisenbank a.s. (hereinafter the GBC ), the Product Conditions and, if necessary, the Technical Conditions. Terms used in this Pricelist starting with a capital letter that are not expressly explained in the Pricelist have the same meaning as stipulated in the GBC and the Technical Conditions. The names of the products and other terms can be further defined in the relevant Contracts and the Product Conditions. You will obtain the Pricelist or the relevant part upon the conclusion of the Contract between the Bank and you, it is published at the Public Website or you can obtain it on request at any Point of Sale in printed form. Banking services are provided by the Bank as a part of price plans, price programs or independently (without using price plans and price programs). The price plans and price programs are described in more detail in section 1 of the relevant part of the Pricelist. Unless specifically provided otherwise, the amount of the fee for the individual pricelist items is collected by the Bank in itemised manner. When translating fees from CZK to the currency of the account from which such fee is paid, the exchange rate stipulated in the Exchange Rate List valid as of the moment of the debiting of the fee to the Account will be used. If the Pricelist, in any place, specifies included, this means that the relevant Banking Service is provided as a part of the relevant price plan, price program or fee for the management or maintenance of an Account without independent charging. If, anywhere in the Pricelist, an item is marked with an, this means that for this case the specified Banking Service is not available. This Pricelist comes into effect on 1 March 2016.

3 CONTENTS 1. PRICE PROGRAMS ekonto Kompletkonto 3 2. ACCOUNTS AND DEPOSITS Current Accounts in ekonto Price Program Current Accounts in Kompletkonto Price Program Current Accounts outside price program (Independent Current Accounts) Savings Accounts Term Deposits Statements of current, savings Accounts and Term deposits 5 3. PAYMENT methods, CASH AND EXCHANGE TRANSACTIONS Cashless Domestic Payment Transactions Cashless Foreign Payment Transactions Cash Payment Transactions 8 4. DIRECT BANKING Direct Banking Services Other 9 5. PAYMENT CARDS Debit cards Debit Cards in a form of contactless sticker Credit cards LOAN PRODUCTS Universal Personal Loan and Special-purpose Loan One-off Drawing of Consumer Loan Progressive Drawing of Consumer Loan Personal overdraft Overdraft Transferred Unpermitted Debit OTHER SERVICES Cheques 20

4 1. PRICE PROGRAMS 1.1. ekonto ekonto is a price program for Consumers in which the amount of fees is dependent on compliance with the agreed conditions, where the Client does not play a flat-rate fee for the price program. Depending on whether the conditions specified below for the application of Prémium benefits are met, individual services are provided as a part of the ekonto price program either for a discounted price, or as a part of the Prémium benefits, or for a basic price. The client pays fees as a part of the Prémium benefits if the following conditions are met: On the payment day of the relevant fee the Client uses a debit card and the credit turnover (the credit turnover shall be understood to be the sum of all amounts received on the Client s Account and amounts deposited on the Account in cash) on the Account is no less than CZK a month, or on the payment day of the relevant fee the Client uses a debit card and the balance on current and savings Accounts, term deposits and the price of investment instruments managed for the Client by the Bank as of the penultimate day of the month is no less than CZK. The credit turnover shall not include incoming payments from current and savings Accounts of the same holder, transfers from term deposits to the Account, transfers between currency elements of the Account, the drawing of a loan on the Account, credited interest and reverse card transactions. The credit turnover will include Payment Transactions performed between 00:01 of the last calendar day of the previous calendar month until 24:00 of the day that precedes the last calendar day of the calendar month for which compliance with conditions for the application of benefits is assessed. Facts that were taken into consideration when assessing compliance with conditions for applying benefits for one Account as a part of a price program cannot be taken into consideration for another Account. The credit turnover is assessed always on the Account for which the relevant price program was agreed. For the purposes of stipulating the amount of fees for cash withdrawals in CZK by a debit card from the ATM of another bank in the Czech Republic, compliance with the aforementioned conditions is assessed for the previous calendar month Kompletkonto Kompletkonto is a price program for Consumers as a part of which you can use the Banking Services specified in this section 1.2, below (marked with the relevant symbol) or Banking Services about which this Pricelist states are included. Such Banking Services are not subject to independent fees. The non-use of some Banking Services included in a price program does not have an influence on the amount of the fee. Fees for Kompletkonto variants Frequency Kompletkonto Start Klasik Optimum Student Hypoteční 1. Flat-rate fee per month 269 CZK 60 CZK 2. Switching to another Kompletkonto variant with lower flat fee one-off 80 CZK Banking Services provided as a part of Kompletkonto Price Program for Flat-Rate Fee Kompletkonto Start Klasik Optimum Student Hypoteční 1. Maintenance of one current Account 2 Maintenance of one Kompletkonto savings Account 3. Internet Banking 4. Telephone Banking only one of the two of the two of the 5. GSM Banking banking services banking services banking services 6. Maintenance of one electronic debit card 7. Maintenance of one embossed debit card two cards 8. Maintenance and management of overdraft 9. Travel insurance for one debit card The fee for the specified Banking Service is included in the flat-rate fee. Internet/Telephone/GSM Banking services that are not charged independently. 3

5 2. ACCOUNTS AND DEPOSITS 2.1. Current Accounts in ekonto Price Program ekonto Frequency Basic price Prémium 1. Maintenance of one current Account per month 109 CZK 2. Maintenance of first to third secondary currency of the Account (for each currency per month 29 CZK element) 3. Maintenance of fourth and each secondary currency of the Account (for each per month 29 CZK currency element) 4. Protect accident insurance per month 20 CZK 5. Protect+ accident insurance per month 30 CZK The fee is billed only in the event of a movement in a currency element of an Account during a billing period or if the balance on it on the day of settlement is higher or equal to 3 USD, 2 GBP, 3 EUR, 5 CHF, 100 CZK, 15 PLN, 5 CAD, 100 HUF, 100 JPY depending on the currency in which the specific currency element of the Account is maintained Current Accounts in Kompletkonto Price Program 1. Maintenance of one current Account Frequency per month Kompletkonto Start Klasik Optimum Student Hypoteční included 2.3. Current Accounts outside price program (Independent Current Accounts) Frequency Item fee 1. Maintenance of one current Account per month 119 CZK 2.4. Savings Accounts Unless provided otherwise below for savings Accounts, the Client shall pay the Bank fees for the performance of Payment Transactions and direct banking related to a savings Account, as stipulated for Current Accounts outside price programs, in the case of a Efektkonto Prémium and Efektkonto savings Accounts, and in the case of a Kompletkonto savings Account, as stipulated for the Kompletkonto Optimum price program. Frequency Efektkonto Prémium Efektkonto Saving Account Kompletkonto Včelička CZK per month 1. Direct banking per month 90 CZK 2. Children s accident insurance from MetLife pojišťovna a.s. (formerly per month 70 AMCICO AIG Life) 3. Protector insurance programme from MetLife pojišťovna a.s. (formerly depending on amount of security AMCICO AIG Life) 65 CZK 650 CZK Savings Account Kompletkonto is provided within the price of the program Kompletkonto variant and Optimum Classic. Applies to Contracts on Včelička Savings Account concluded up to 31 July Term Deposits Unless provided otherwise below for term deposits agreed through a written contract, the Client shall pay the Bank fees for the performance of Payment Transactions and direct banking related to a term deposit, as stipulated for the Kompletkonto Optimum price program. Frequency Item fee 1. Withdrawal of Funds (does not apply to early withdrawals and Foreign payment transactions) per withdrawal 2. Sending of statement by post or its handing over at a Point of Sale per statement 2 % of early withdrawn 3. Early withdrawal per withdrawal amount, min CZK 4. Processing of received and outgoing payment on term deposit (does not apply in case per payment of Foreign Payment Transactions) Note: A withdrawal in cash over CZK or over its equivalent in a foreign currency shall be notified by the Client no later than two working days before the withdrawal date. 4

6 2.6. Statements of current, savings Accounts and Term deposits ekonto Kompletkonto, Current Accounts without tariffs or price programs 1. Change to setup of statement 1.1. By telephone banking 15 CZK 1.2. At a Point of Sale 50 CZK 2. Compiling and delivering of statement 2.1. By mail 30 CZK 2.2. By mail abroad 30 CZK 50 CZK 2.3. By fax 100 CZK 2.4. At a Point of Sale 50 CZK 3. Compiling and delivering of duplicate statement 3.1. Electronically 100 CZK 3.2. By mail 130 CZK 3.2. At a Point of Sale 150 CZK 100 CZK 4. Compiling of extraordinary statement in accordance with Client s requirements 300 CZK Change banks and come to us! We take care of everything necessary for you. Benefits of moving to Raiffeisenbank a.s.: Maintenance of current account number (only the bank code changes) Selection of any available account number Discounts on loan products Client mobility includes: We will transfer all your standing payment orders and direct debit authorisations, including SIPO, from your original bank to Raiffeisenbank a.s. We will close your current account at your original bank, if you want us to On request, we will arrange the provision of a list of the regular payments you have in your original bank and that we set up for you at Raiffeisenbank a.s. 5

7 3. PAYMENT METHODS, CASH AND EXCHANGE TRANSACTIONS 3.1. Cashless Domestic Payment Transactions 1. Processing of payment received 1.1. Processing of payment received in CZK from other Czech bank credited to Client s foreign currency account ekonto Start, Student, Hypoteční Kompletkonto Klasik, Optimum 150 CZK Current Accounts without tariffs or price programs 1.2. Processing of payment not specified in line 1.1. included included 7 CZK 2. Processing of outgoing payment 2.1. Input by GSM/Internet Banking 6 CZK 2.2. Input by Telephone Banking 21 CZK 2.3. Input at Point of Sale or on paper medium on form of Raiffeisenbank a.s. / on other form 54 CZK 80 CZK/110 CZK 2.4. Input on paper medium on Raiffeisenbank a.s. form / on other form put into collection box 54 CZK 54 CZK/84 CZK 2.5. Input by Internet Banking as Express Payment 100 CZK 2.6. Input by Telephone Banking as Express Payment 115 CZK 100 CZK 2.7. Input on paper medium on Raiffeisenbank a.s. form / on other form as Express Payment 150 CZK 220 CZK/250 CZK 2.8. In CZK from Account that was in a currency other than CZK 150 CZK 3. Standing payment order 3.1. Establishment/change by Telephone Banking 15 CZK 3.2. Establishment/change at Point of Sale 50 CZK 3.3. Processing of outgoing payment generated by Standing Payment Order 6 CZK 9 CZK 3.4. Processing of first outgoing payment generated by Standing Payment Order in the event the input date of first payment is different to date of further payments 54 CZK 9 CZK 4. Direct debit / SIPO authorisation 4.1. Establishment/change by Telephone Banking 15 CZK 50 CZK 4.2. Establishment/change at Point of Sale 50 CZK 4.3. Processing of outgoing payment as a part of direct debit/sipo 6 CZK 9 CZK 5. Direct debit order 5.1. Input by Telephone banking 15 CZK included 5.2. Input at Point of Sale 50 CZK included 5.3. Processing of incoming payment as a part of direct debit 3 CZK included 7 CZK 6. Standing order for direct debit / Intellingent direct debit / Intelligent savings 6.1. Establishment/Change by Telephone banking 15 CZK 6.2. Establishment/Change at Point of Sale 50 CZK 6.3. Processing of incoming payment as a part of direct debit 3 CZK 6.4. Processing of incoming/outgoing payment as a part of Intelligent Saving included 7. Payment to address 7.1. Processign payment 70 CZK 7.2. Surcharge for payment in person /as of designated day 50 CZK 8. Automatic transfer of over-the-limit balance 8.1. Change/cancellation 30 CZK included 40 CZK 8.2. Processing of received/outgoing payment as part of automatic transfer of over-the-limit balance 3 CZK included 3 CZK Another form means, for example, a form from another bank, other financial institution, post office or own form. 6

8 3.2. Cashless Foreign Payment Transactions 1. Processing of payment received ekonto 1.1. Europayment and SEPA payment up to EUR inclusive 200 CZK 1.2. Internal bank foreign currency payment 1.3. Payment with OUR instruction at expense of Payer Kompletkonto, Current Accounts outside price programs 1.4. Payment in CZK from Tatra banka, a.s. (based in Slovakia) 1 % of amount of payment, min. 300 CZK, max CZK 1.5. Received old-age pension sent regularly from abroad (only following an agreement with the Bank) 50 CZK 1.6. Other payments not specified in previous lines 1.1 to % of amount of payment, min. 300 CZK, max CZK 2. Processing of outgoing payment executed in favour of Account outside Bank 2.1. Europayment and SEPA payment up to EUR inclusive 220 CZK 2.2. Payment sent with OUR fee type in EEA and in EEA currencies (EEA OUR) 1 % of amount of payment, min. 300 CZK, max CZK CZK 3) (guaranteed OUR fee) 2.3. Payment with BEN instruction at expense of Beneficiary 2.4. Payment in EUR to Tatra banka, a.s. (based in Slovakia) 50 CZK 2.5. Other payments not specified in previous lines 2.1. to % of amount of payment, min. 300 CZK, max CZK 3. Processing of outgoing payment made in Bank 3.1. Internal bank foreign currency payment with exception of Section CZK 3.2. Internal bank foreign currency payment in favour of internal account of Bank for purchase of units in Raiffeisen unit trusts 3.3. Internal bank foreign currency payment without exchange of currencies between Multi-currency accounts 5 CZK 4. Other monetary performance in connection with Foreign Payment Transactions 4.1. Cancellation of executed Payment Order at Client s request 4) CZK + costs paid to other banks 4.2. Surcharge for urgent (express) processing of Payment Order increasing fee for processing of relevant payment type 5) 500 CZK CZK 4.3. Execution of payment after Cut-off Time (only following prior agreement with bank) increasing fee for processing of relevant payment CZK type 4.4. Correction or supplementation of incomplete or incorrectly completed Payment Order, complaint arising from other bank s request 4.5. Provision of information requested by Client related to Foreign Payment 500 CZK + expenses paid to other banks Transaction 4.6. Processing of payment returned by other Bank 300 CZK 4.7. Surcharge for processing Payment Order on paper medium increasing fee for processing of relevant payment type 300 CZK 4.8. Fees paid to other banks and fees not paid by other banks in the case of an incoming payment with OUR instruction or outgoing payment in full with BEN instruction 4.9. Non-STP fee for manual alteration of insufficiently/incorrectly completed Payment Order 300 CZK Europayment a payment in Euros up to EUR in EEA countries with a valid, correctly input bank identification code, the beneficiary s IBAN, SHA type fee and without special processing requirements. SEPA payment a payment in Euros between SEPA member banks (in the EEA, Switzerland and Monaco) with a valid, correctly input bank identification code, the beneficiary s IBAN, SHA type fee and without special processing requirements. Fees in accordance with instructions in a foreign payment: BEN The beneficiary pays all fees, i.e. fees of its own bank, fees of the payer s bank, and any fees of other brokering banks. OUR The payer pays all fees, i.e. fees of its own bank, fees of the beneficiary s bank, and any fees of other brokering banks. The expenses of other banks depend on fees of the brokering banks and the beneficiary s bank. SHA The payer pays fees of its own bank, the beneficiary pays fees of its own bank and any fees of other brokering banks. 3) A fee guarantee by the Bank covering fees of brokering banks and the bank of the beneficiary billed with a charge for transaction for a payment sent up to the equivalent of EUR in EEA (European Economic Area) currencies to EEA countries with fee type OUR. For other payments sent with fee type OUR, the fees of other banks are subsequently billed in full. 4) Only in case the Bank still disposes of the amount of the Payment Transaction. 5) For the ekonto price program urgent (express) payments can be sent only for the currencies EUR, USD. Note: In the event that the payment currency is EUR and both accounts (of Payer and Beneficiary) are in EUR and are with a Network Bank, then the Client s fee for processing foreign payments is 20 % lower and the valuta exchange rate is altered for the incoming payment. This only applies to Independent Current Accounts and the Zlaté konto. 7

9 3.3. Cash Payment Transactions Frequency ekonto Kompletkonto, Current Accounts outside price programs 1. Deposit of cash at counter of Point of Sale 1.1. Cash deposit on Account, if deposit not made by Account Holder or signatory and provided it is not per deposit 65 CZK performance of Bank s receivable 1.2. Deposit of coins in nominal value of 1 EUR and 2 EUR on Account per deposit 10 % of deposited amount 2. Cash withdrawal at counter of Point of Sale 2.1. First withdrawal in calendar month per withdrawal 60 CZK 2.2. Second and subsequent withdrawals in calendar month per withdrawal 60 CZK 60 CZK 2.3. Surcharge for withdrawal of cash over CZK or equivalent in foreign currency per withdrawal 0,15 % of withdrawn amount for day 2.4. Non-collection of cash or cancellation of cash withdrawal on day notified by Client per unperformed withdrawal 1 % of unwithdrawn amount, min. 500 CZK 2.5. Partial non-collection of cash on day notified by per partially unperformed Client withdrawal 1 % of unwithdrawn amount 3. Currency exchange on cash deposit and withdrawal, unless the Account currency is the same as the Payment Transaction currency per exchange 1 % of value of purchased / sold banknotes, min. 50 CZK, max CZK If this concerns a Single-Currency Account that is in a foreign currency, the fee is, depending on the Account Currency, 2 EUR, 3 USD, 2 GBP, 4 AUD, 12 DKK, 20 NOK, 24 SEK, 5 NZD, 18 HRK, 10 PLN, 3 CAD, 300 JPY, 700 HUF, případně ve výši ekvivalentu 60 CZK or the equivalent of CZK 60 translated at the exchange rate stipulated by the Exchange Rate List at the time the fee is debited to the Account. All domestic electronic transactions are of charge with an ekonto KOMPLET. In addition, you do not have to waste time looking for the right ATM withdrawals are from any ATM not only in the Czech Republic, but anywhere in the world. 8

10 4. DIRECT BANKING 4.1. Direct Banking Services 1. Service Maintenance Kompletkonto Start Klasik Optimum Student Hypoteční one service, otherwise 90 CZK The services are Internet, Telephone and GSM Banking. included two services, otherwise 90 CZK one service, otherwise 90 CZK Current Accounts outside price programs 90 CZK Direct banking services Basic price ekonto Prémium 1. Service Maintenance 90 CZK 2. Set-up of GSM Banking (with exception of first establishment of service) 50 CZK 4.2. Security Features Prices for services associated with Mobile, Personal and Internet Electronic Keys with ekonto price plan accounts can be found in the current Pricelist of products and services for private individuals. Passwords and certificates Kompletkonto Start Klasik Optimum Student Current Accounts outside price programs 1. Use of signature certificate for Internet Banking 15 CZK per month 4.3. Other 1. Sending of requested information by SMS Kompletkonto Start Klasik Optimum Student 4 CZK Current Accounts outside price programs Direct banking services ekonto Basic price 1. Sending of requested information by SMS 4 CZK 2. Set-up of Inform Me service by Telephone Banking 15 CZK 3. Set-up of Inform Me service at Point of Sales 50 CZK Prémium Control your account by smartphone or tablet. With our Mobilní ekonto application you do not pay any extra (the amount of fees is the same as in Internet Banking) and you save time and money. If you have a telephone or tablet with an Android or ios operating system, you can download Mobilní ekonto here: 9

11 5. PAYMENT CARDS 5.1. Debit cards ekonto Kompletkonto Start, Student, Klasik, Optimum, Hypoteční Kompletkonto, Efektkonto, Kompletkonto savings account Current Accounts except tariffs and price programmes 1. Card management 1.1 Electronic card Debit MasterCard BASIC, VISA Electron, Maestro 1.2 Embossed card Debit MasterCard STANDARD, VISA Classic, MC Standard CZK 55/CZK 0 per month CZK 75/CZK 0 per month 4) Included/CZK 75 per month 3) Included/CZK 95 per month 3) CZK 75 per month CZK 95 per month 1.3 Embossed card Debit MasterCard GOLD BASE CZK 85 per month 1.4 Embossed card Debit MasterCard GOLD CZK 169 per month 1.5 Embossed card VISA Gold, MC Gold CZK 350 per month 1.6 MasterCard InternetCard CZK 15 per month 2. Additional services 5) 2.1. Travel insurance agreed from 11 March 2013 CZK 89 per month 2.2. Travel insurance agreed until 10 March 2013 CZK 50 per month 2.3. Travel insurance for Debit MasterCard GOLD, VISA Gold, and MC Gold card 2.4. Travel insurance for cards in Kompletkonto Optimum packages 2.5. ZÁKLAD card fraud insurance CZK 15 per month 2.6. ZÁKLAD card fraud insurance for Debit MasterCard GOLD, VISA Gold and MC Gold cards 2.7. PLUS card fraud insurance (including insurance against loss/theft of personal items and insurance against forced withdrawal/robbery CZK 69 per month by an ATM) 3. Card transactions 3.1. Withdrawal by debit card from ATM of Raiffeisenbank a.s. CZK 9, Withdrawal (CZK) by debit card from ATM of other bank in Czech Republic 6) CZK 39,90/CZK 9,90 per item 7) CZK 39, Withdrawal by debit card from ATM abroad 6) CZK ,5 % of withdrawn amount 3.4. Cash withdrawal by card at bank counter/ exchange office (Manual Cash Advance) CZK ,5 % of withdrawn amount 3.5. Exchange rate surcharge 8) 0,75 % of the střed exchange rate value for respective transaction currency according to the Exchange Rate List of the Bank 4. Additional services 4.1. Express issue of card or PIN (within 2 Banking days) Express issue of card (incl. PIN for card) with personal acceptance at branch CZK /card (incl. PIN) Express issue of regenerated PIN CZK /PIN 4.2. Sending of card or PIN Sending of card/pin to address in Czech Republic Costs of delivery (according to the selected delivery method)/delivery Sending of card/pin abroad CZK costs for delivery (according to the selected delivery method)/delivery 4.3. Re-generation of PIN for card CZK Re-generation of data about MasterCard Internet Card CZK Emergency service (in case of lost/stolen/damaged card abroad) Emergency Cash issue of replacement cash abroad (only for embossed cards) CZK Emergency Card issue of replacement card abroad CZK costs for delivery abroad 10

12 ekonto Kompletkonto Start, Student, Klasik, Optimum, Hypoteční Kompletkonto, Efektkonto, Kompletkonto savings account 4.6. Connection of second current Account for settlement of foreign exchange transactions 4.7. Compiling of monthly statement for card transactions (incl. sending by post to address in CZK 30 per statement Czech Republic) 4.8. Compiling of monthly statement for card transactions (incl. sending by post to address CZK 40 per statement abroad) 4.9. Compiling of duplicate or one-off generation of statement of card transactions (incl. sending by mail to address in Czech Republic or abroad) CZK 100 per statement Information on card blocking/card SMS service CZK 2,40 per message Information on card blocking/card SMS service for VISA Gold and MC Gold cards CZK 2,40 per message 5. Card locking 5.1. Activation of service for newly issued payment card 5.2. Activation/deactivation of service for already issued cards via Internet or GSM Banking CZK Activation/deactivation of service for already issued cards via Telephone Banking CZK Activation/deactivation of service for already issued cards via branch office CZK Unlocking of card via Internet or GSM Banking CZK Unlocking of card via Telephone Banking CZK Unlocking of card via branch office CZK Locking of card via Internet or GSM Banking 5.9. Locking of card via Telephone Banking CZK Locking of card via branch office CZK 50 Current Accounts except tariffs and price programmes One Card Holder cannot have two cards of the same type for one Account. Basic Price/Premium Benefits. The price of CZK 0 as a part of the Premium benefits is applied for no more than one electronic debit card or one debit card in the form of a contactless sticker. The basic price is then billed for each additional product. 3) The relevant Banking Service is included in the price to the extent to which it is stipulated in part 1.2., item 6 and 7 of this Pricelist. If the relevant Banking Service is not included in the price, the specified price will be applied. 4) Basic Price/Premium Benefits. The price of CZK 0 as a part of the Premium benefits is applied for no more than one embossed debit card. The basic price is then billed for each additional product. 5) The fee is billed in the event that the agreed insurance lasts at least one day in the month. 6) The aforementioned fees for cash withdrawals by card from an ATM do not include fees whose payment can be, in connection with a withdrawal, requested by ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it to make the withdrawal. 7) The more advantageous fee will be billed in the calendar month in question in the event the Client meets the conditions for the provision of Premium Benefits in the immediately preceding calendar month. 8) Exchange rate surcharge shall become effective from 1 June Debit Cards in a form of contactless sticker ekonto 1. Card management 1.1. Bezkontaktní nálepka MasterCard contactless sticker CZK 10/CZK 0 per month 2. Additional services 3) 2.1. Travel insurance CZK 89 per month 2.2 ZÁKLAD card fraud insurance CZK 15 per month 2.3. PLUS card fraud insurance (including insurance against loss/theft of personal items and insurance against forced withdrawal/robbery by an ATM) CZK 69 per month 3. Card transactions 3.1 Exchange rate surcharge 4) respective transaction currency according to 0,75 % of the střed exchange rate value for the Exchange Rate List of the Bank 11

13 4. Other services 4.1. Express issue of card or PIN (within 2 Banking days) ekonto Express issue of card (incl. PIN for card) with personal acceptance at branch CZK /card Express issue of regenerated PIN CZK 1 000/PIN 4.2. Sending of card or PIN Sending of card/pin to address in Czech Republic Sending of card/pin abroad Costs of delivery (according to the selected delivery method)/delivery CZK costs for delivery (according to the selected delivery method)/delivery 4.3. Re-generation of PIN for card CZK Emergency service (in case of lost/stolen/damaged card abroad) Emergency Cash issue of replacement cash abroad (only for embossed cards) CZK costs for delivery abroad 4.5. Information on card blocking CZK 2,40 per message 5. Card locking 5.1. Activation of service for newly issued payment card 5.2. Activation/deactivation of service for already issued cards via Internet or GSM Banking CZK Activation/deactivation of service for already issued cards via Telephone Banking CZK Activation/deactivation of service for already issued cards via branch office CZK Unlocking of card via Internet or GSM Banking CZK Unlocking of card via Telephone Banking CZK Unlocking of card via branch office CZK Locking of card via Internet or GSM Banking 5.9. Locking of card via Telephone Banking CZK Locking of card via branch office CZK 50 One Card Holder cannot have two cards of the same type for one Account. Basic Price/Premium Benefits. The price of CZK 0 as a part of the Premium benefits is applied for no more than one electronic debit card or one debit card in the form of a contactless sticker. The basic price is then billed for each additional product. 3) The fee is billed in the event that the agreed insurance lasts at least one day in the month. 4) Exchange rate surcharge shall become effective from 1 June Credit cards Cards agreed until 29 February 2016 (including) EASY card STYLE card DE LUXE card 1. Card management 1.1. Principal card agreed until 29 February 2016 (including) 1.2. Additional card agreed until 29 February 2016 (including) 1.3. Additional card agreed until 1 March 2016 CZK 59 per month/included in the price of ekonto KOMPLET CZK 59 per month/included in the price of ekonto KOMPLET CZK 59 per month/included in the price of ekonto KOMPLET 1.4. Contactless sticker 2. Travel insurance 2.1. Travel insurance agreed from 1 January 2013 CZK 89 per month 2.2. Travel insurance agreed until 31 December 2012 (including) CZK 50 per month 3. Insurance and additional card services 3.1. Creditor protection insurance 0,69 % monthly of the total outstanding amount as of the day of compiling of statement 3.2. Prolonged warranty insurance CZK 129 per month/ CZK 59 per month in ekonto KOMPLET CZK 129 per month/ CZK 59 per month in ekonto KOMPLET CZK 99 per month 12

14 EASY card STYLE card DE LUXE card 3.3. KOMFORT insurance bundle (includes Prolonged warranty, Best price protection, Card fraud insurance and personal belongings insurance, Insurance of purchased goods) CZK 99 per month 3) 3.4. Car assistance Included 4. Additional insurance agreed until 29 February 2016 (including) 4.1. ZÁKLAD card fraud insurance CZK 15 per month 4.2. PLUS card fraud insurance (including insurance against loss/theft of personal items and insurance against forced CZK 69 per month withdrawal/robbery by an ATM) 4.3. Creditor protection insurance 0,25 % monthly of total outstanding amount as of day of compiling of statement 4.4. Balance cancellation insurance 1 % per month of total outstanding amount as of day of compiling of statement, maximum CZK Other services 5.1. Cash withdrawal (CZK) from an ATM in the Czech Republic 3) CZK % from the withdrawn amount 5.2. Cash withdrawal from ATM abroad 3) CZK % from the withdrawn amount 5.3. Cash withdrawal from bank/fx tellers (Manual Cash Advance) CZK % from the withdrawn amount 5.4. Cash withdrawal using a card at a merchant cash desk (Cash Back) CZK Exchange rate surcharge 4) 0,75 % of the střed exchange rate value for respective transaction currency according to the Exchange Rate List of the Bank 6. Card repayment 6.1. Amount of mandatory minimum instalment 3,5 %, minimum CZK Other services 7.1. PIN re-generation CZK Emergency Cash issue of replacement cash abroad CZK Emergency Card issue of replacement card abroad CZK costs for delivery abroad 7.4. Direct debit of the total amount due from the CZK 29 per month 7.5. Making a card transaction statement Sending via /via post to the address in the Czech Republic CZK 19 per month 7.6. Making a copy of a card transaction statement (to an address in the CR) CZK 100 per statement 7.7. Credit info CZK 19 per month 6. Notice to settle outstanding amount CZK Contractual penalty for exceeding credit limit CZK 200 Fees are charged in the event that the particular insurance lasts at least one day in a month. Not applicable for contactless sticker. 3) To EASY can be agreed from 1 September 2016 the earliest. 4) The aforementioned fees for cash withdrawals by card from an ATM do not include fees whose payment can be, in connection with a withdrawal, requested by ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it to make the withdrawal. 5) Exchange rate surcharge shall become effective from 1 June Card management 1.1. Principal card agreed until 29 February 2016 (including) 1.2. Additional card RB Gold CZK per year * CZK per year * RB Life CZK 50 per month ** 1.3. Contactless sticker RB Classic O2 Gold CZK per year CZK per year 13

15 RB Gold RB Life RB Classic O2 Gold 2. Travel insurance 2.1. Travel insurance agreed from 1 March 2016 CZK 89 per month 2.2. Family insurance for travels and stay agreed until 29 February 2016 (including) CZK 79 per month 2.3. Personal insurance for travels and stay agreed until 29 February 2016 (including) CZK 49 per month 3. Insurance and additional card services 3.1. Creditor protection insurance 0,69 % monthly of the total outstanding amount as of the day of compiling of statement 3.2. KOMFORT insurance bundle (includes Prolonged warranty, Best price protection, Card fraud insurance and personal belongings insurance, Insurance of purchased goods) CZK 99 per month 3) 4. Additional insurance agreed until 29 February 2016 (including) 4.1. Creditor protection insurance - PRIMA 0,49 % monthly of the total outstanding amount as of the day of compiling of statement 4.2. Regular payments insurance Standard CZK 199 per month 4.3. Regular payments insurance Plus CZK 299 per month 4.4. Regular payments insurance Exclusive CZK 399 per month 4.5. Card fraud insurance 100 CZK 79 per month 4.6. Card fraud insurance 50 Included 4.7. Card insurance Safety with your card CZK 89 per month 4.8. Mobileo insurance Included 5. Other services 5.1. Cash withdrawal (CZK) from an ATM in the 5.2. Cash withdrawal from ATM abroad 4) 3,5 % from the withdrawn amount, minimum CZK 89 Czech Republic 4) 5.3. Cash withdrawal from bank/fx tellers (Manual Cash Advance) 5.4. Cash withdrawal using a card at a merchant cash desk (Cash Back) CZK Exchange rate surcharge 5) 0,75 % of the střed exchange rate value for respective transaction currency according to the Exchange Rate List of the Bank 6. Card repayment 6.1. Amount of mandatory minimum instalment 3,2, %, minimum CZK Interest rate 7.1. Cash transaction 29,99 % 7.2. Cashless transaction 22,80 % 23,99 % 7.3. Automatic purchase on instalments 29,99 % or individually 7.4. Purchase on instalments 29,99 % or individually 7.5. Cash upon calling 29,99 % or individually 8. Other services 8.1. Emergency Cash issue of replacement cash abroad CZK Emergency Card issue of replacement card abroad CZK costs for delivery abroad 8.3. Direct debit of the total amount due from the CZK 29 per month 8.4. Making a card transaction statement Sending via /via post to the address in the Czech Republic CZK 19 per month 8.5. Making a copy of a card transaction statement (to an address in the CR) CZK 100 per statement 8.6. Credit info CZK 19 per month 14

16 RB Gold RB Life 8.7. Crediting the Funds to repay the in favour of the account maintained by Citibank, a.s. 9. Notice to settle outstanding amount CZK Contractual penalty for exceeding credit limit CZK 200 RB Classic O2 Gold Fees are charged in the event that the particular insurance lasts at least one day in a month. Not applicable for contactless sticker. 3) Can be agreed from 1 September 2016 the earliest. 4) The aforementioned fees for cash withdrawals by card from an ATM do not include fees whose payment can be, in connection with a withdrawal, requested by ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it to make the withdrawal. 5) Exchange rate surcharge shall become effective from 1 June The amount billed in favour of the card account = amount in the currency of the transaction x (exchange rate for sale (DP) of the transaction currency + 0,0075 * exchange rate table střed ). * The fee is not charged in case of maintenance of Account ekonto Exclusive or ekonto Comfort. ** For RB Life : If in the given billing period the Client makes at least one Payment by Card for goods and services, in the first 12 months following the activation of a card the monthly fee of CZK 50 for the Card maintenance will be returned to it. 1. Card management 1.1. Principal card agreed until 29 February 2016 (including) 1.2. Additional card ČSA CZK per year CZK per year MALL.cz CZK 50 per month * BILLA CZK 50 per month ** O2 Classic CZK 50 per month 1.3. Contactless sticker 2. Additional services 2.1. Travel insurance agreed from 1 March 2016 CZK 89 per month 2.2. Family travel insurance for ČSA Included 2.3. Family insurance for travels and stay agreed until 29 February 2016 (including) CZK 79 per month 2.4. Personal insurance for travels and stay agreed until 29 February 2016 (including) CZK 49 per month 3. Insurance and additional card services 3.1. Creditor protection insurance 0,69 % monthly of the total outstanding amount as of the day of compiling of statement 3.2. KOMFORT insurance bundle (includes Prolonged warranty, Best price protection, Card fraud insurance and personal belongings insurance, Insurance of purchased goods) CZK 99 per month 3) 4. Additional insurance agreed until 29 February 2016 (including) 4.1. Creditor protection insurance - PRIMA 0,49 % monthly of the total outstanding amount as of the day of compiling of statement 4.2. Regular payments insurance Standard CZK 199 per month 4.3. Regular payments insurance Plus CZK 299 per month 4.4. Regular payments insurance Exclusive CZK 399 per month 4.5. Card fraud insurance 100 CZK 79 per month 4.7. Card insurance Safety with your card CZK 89 per month 5. Other services 5.1. Cash withdrawal (CZK) from an ATM in the 5.2. Cash withdrawal from ATM abroad4) 3,5 % from the withdrawn amount, minimum CZK 89 Czech Republic 4) 5.3. Cash withdrawal from bank/fx tellers (Manual Cash Advance) 5.4. Cash withdrawal using a card at a merchant cash desk (Cash Back) CZK Exchange rate surcharge 5) 0,75 % of the střed exchange rate value for respective transaction currency according to the Exchange Rate List of the Bank 15

17 ČSA MALL.cz BILLA O2 Classic 6. Card repayment 6.1. Amount of mandatory minimum instalment 3,2, %, minimum CZK Interest rate 7.1. Cash transaction 29,99 % 7.2. Cashless transaction 23,99 % 7.3. Automatic purchase on instalments 29,99 % or individually 7.4. Purchase on instalments 29,99 % or individually 7.5. Cash upon calling 29,99 % or individually 8. Other services 8.1. Emergency Cash issue of replacement cash abroad CZK Emergency Card issue of replacement card abroad CZK costs for delivery abroad 8.3. Direct debit of the total amount due from the CZK 29 per month 8.4. Making a card transaction statement Sending via /via post to the address in the Czech Republic CZK 19 per month 8.5. Making a copy of a card transaction statement (to an address in the CR) CZK 100 per statement 8.6. Credit info CZK 19 per month 8.7. Crediting the Funds to repay the in favour of the account maintained by Citibank, a.s. 9. Notice to settle outstanding amount CZK Contractual penalty for exceeding credit limit CZK 200 Fees are charged in the event that the particular insurance lasts at least one day in a month. Not applicable for contactless sticker. 3) Can be agreed from 1 September 2016 the earliest. 4) The aforementioned fees for cash withdrawals by card from an ATM do not include fees whose payment can be, in connection with a withdrawal, requested by ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it to make the withdrawal. 5) Exchange rate surcharge shall become effective from 1 June The amount billed in favour of the card account = amount in the currency of the transaction x (exchange rate for sale (DP) of the transaction currency + 0,0075 * exchange rate table střed ). * For MALL.cz. If in the given billing period the Client makes at least one Payment by Card for goods and services, in the first 12 months following activation the monthly fee of CZK 50 for the Card administration will be returned to it. ** For BILLA : If in the given billing period the Client makes at least one Payment by Card for goods and services, the monthly fee of CZK 50 for the Card administration will be returned to it. Price of item 1. Card issuance/renewal (VISA Classic, VISA Extra, MC Animal Life, Exclusive, VISA Premium Banking, GENERALI, VODAFONE, GOLD) 1.1. Principal card 1.2. Additional card Additional card (except GENERALI, VODAFONE) Additional card VODAFONE CZK Additional card GENERALI 2. Card administration 2.1. Principal card VISA Extra CZK 59 per month VISA Classic, Exclusive CZK 59 per month (free if having spent at least CZK at merchants in the given billing period) MC Animal Life CZK 59 per month VISA Premium Banking CZK 20 per month (free if having spent at least CZK at merchants in the given billing period) GENERALI VODAFONE CZK 45 per month (free if having spent at least CZK at merchants in the given billing period) CZK 45 per month (free if having spent at least CZK at merchants in the given billing period) 16

18 Price of item GOLD CZK 120 per month 2.2. Additional card Additional card (except VODAFONE and GOLD) CZK 20 per month Additional card VODAFONE Additional card GOLD CZK 60 per month 3. Additional services 3.1. Travel insurance agreed from 1 January 2013 CZK 89 per month 3.2. Travel insurance agreed until 31 December 2012 (including) CZK 50 per month 3.3. GOLD card travel insurance 3.4 ZÁKLAD card fraud insurance agreed until 29 February 2016 (including) 3.5. GOLD card ZÁKLAD card fraud insurance agreed until 29 February 2016 (including) 3.6. PLUS card fraud insurance (including insurance against loss/ theft of personal items and insurance against forced withdrawal/ robbery by an ATM) agreed until 29 February 2016 (including) 3.7. Creditor protection insurance agreed until 29 February 2016 (including) 3.8. Balance cancellation insurance agreed until 29 February 2016 (including) 3.9. Creditor protection insurance CZK 15 per month CZK 69 per month 0,25 % monthly of total outstanding amount as of day of compiling of statement 1 % monthly of total outstanding amount as of day of compiling of statement, maximum CZK 500 0,69 % monthly of total outstanding amount as of day of compiling of statement 4. Card transactions 4.1. Cash withdrawal (CZK) from ATM in Czech Republic (for all cards except VODAFONE) CZK % from the withdrawn amount 4.2. Cash withdrawal from ATM of Raiffeisenbank a.s. (for VODAFONE card) CZK Cash withdrawal (CZK) from ATM of other bank in Czech Republic (for VODAFONE cards) CZK Cash withdrawal from ATM abroad CZK % from the withdrawn amount 4.5. Cash withdrawal by card at bank counter/exchange office (Manual Cash Advance) CZK % from the withdrawn amount 4.6. Cash withdrawal by card at a merchant cash desk (Cash Back) CZK Exchange rate surcharge 3) 0,75 % of the střed exchange rate value for respective transaction currency according to the Exchange Rate List of the Bank 5. Card repayment 5.1. Amount of minimum mandatory repayment CZK 3,5, minimum CZK Other services 6.1. Re-generation of PIN for card CZK Emergency service (loss/theft/damage to card abroad) Emergency Cash issue of replacement cash abroad (only for embossed cards) CZK Emergency Card issue of replacement card abroad CZK costs for delivery abroad 6.3. Compiling of statement of card transactions Sending via /via post to the address in the Czech Republic CZK 19 per month 6.4. Compiling of duplicate statement of card transactions (incl. sending by mail to address in Czech Republic) CZK 100 per statement 6.5. Direct debit for total outstanding amount from CZK 29 per month 6.6. Credit info CZK 19 per month 7. Request for payment of outstanding amount CZK Contractual penalty for exceeding credit limit CZK 200 The fee is billed in the event that the agreed insurance lasts at least one day in the month. The aforementioned fees for cash withdrawals by card from an ATM do not include fees whose payment can be, in connection with a withdrawal, requested by ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it to make the withdrawal. 3) Exchange rate surcharge shall become effective from 1 June

19 6. LOAN PRODUCTS 6.1. Universal Personal Loan and Special-purpose Loan Personal Loan Universal Special-purpose Loan 1. Use and management of loan 99 CZK 2. Costs related to extraordinary instalment (premature 1 % (0,5 %) of amount of extraordinary repayment) instalment 3. Amendment to contractual conditions at Client s suggestion 300 CZK 4. Insurance type A 5. Insurance type B 95 CZK per month loan of up to CZK inclusive 199 CZK loan of up to CZK inclusive 359 CZK loan of up to CZK inclusive 729 CZK loan of up to CZK inclusive CZK 6. Insurance type C 119 CZK per month loan of up to CZK inclusive 199 CZK loan of up to CZK inclusive 359 CZK loan of up to CZK inclusive 729 CZK loan of up to CZK inclusive CZK 7. Request for payment of outstanding amount 500 CZK 8. Contractual penalty for breach of conditions of Contract up to 1 % of amount of unrepaid principal For loans provided up to 1 January 2013 it is 150 CZK per month. The cost reimbursement amount is 1 % of the prematurely repaid part of the total consumer loan amount if the time between the premature instalment and the agreed end of the consumer loan exceeds one year. If not exceeding one year, the reimbursement of costs will not exceed 0,5 % of the prematurely repaid part of the total consumer loan amount One-off Drawing of Consumer Loan Quick loan One-Click loan 1. Use and management of loan 2. Costs related to extraordinary instalment (early repayment) 2.1. For loans provided from 1 December 2014 to 30 June For loans provided from 7 July 2010 to 31 November % (0,5 %) of amount of extraordinary instalment 2.3. For loans provided from 1 July 2019 to 6 July % of amount of extraordinary instalment 2.4. For loans provided from 1 May 2009 to 30 June % of amount of extraordinary instalment 2.5. For loans provided from 1 September 2008 to 31 December % of amount of extraordinary instalment 2.6. For loans provided from 1 October 2005 to 31 January % of amount of extraordinary instalment For loans provided up to 1 January 2013 it is 99 CZK per month. The cost reimbursement amount is 1 % of the part repaid early of the total consumer loan amount if the time between the early instalment and the agreed end of the consumer loan exceeds one year. If not exceeding one year, the reimbursement of costs will not exceed 0,5 % of the part repaid early of the total consumer loan amount Progressive Drawing of Consumer Loan Low instalment loan consolidation Optimum instalment 1. Use and management of loan 2. Costs related to extraordinary instalment (early repayment) 2.1. For loans provided from 1 January 2011 to 30 June % (0,5 %) of amount of extraordinary instalment 3) 2.2. For loans provided from 1 July 2009 to 31 October % of amount of extraordinary instalment 2.3. For loans provided from 1 September 2008 to 31 December 2008 For loans provided up to 1 January 2013 it is 99 CZK per month. The cost reimbursement amount is 1 % of the prematurely repaid part of the total consumer loan amount if the time between the premature insalment and the agreed end of the consumer loan exceeds one year. If not exceeding one year, the reimbursement of costs will not exceed 0,5 % of the prematurely repaid part of the total consumer loan amount. 18

20 6.4. Personal overdraft Item fee 1. Provision including renewal of option to draw 200 CZK 2. Use of Personal overdraft in relevant month 90 CZK/0 CZK per month 3. Amendment to contractual conditions at Client s suggestion 200 CZK 4. Request for payment of outstanding amount 500 CZK For transactions concluded on or before 28 February 2005 the transaction name Maintenance and management of loan is used. Basic price/prémium benefits 6.5. Overdraft Name of Item Item fee 1. Provision including renewal of option to draw 200 CZK 2. Use and management 90 CZK per month 3. Amendment to Client s contractual conditions 200 CZK 4. Request for payment of outstanding amount 500 CZK 6.6. Transferred Unpermitted Debit Name of Item Item fee 1. Use and management 99 CZK per month 2. Costs related to extraordinary instalment (early repayment) 3. Request for payment of outstanding amount 500 CZK If you have an ekonto KOMPLET you can make use of permitted overdrawing. This means you obtain a secure financial reserve without a fee for conclusion and administration. In the event you draw on the reserve, it is automatically repaid with each credit transaction on the account. 19

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