List of Fees INDIVIDUALS

Transcription

1 List of s INDIVIDUALS Valid from

2 Contents 1. Everyday banking Current s Domestic payments Cash payments Debit cards Insurance for debit cards Electronic banking Foreign payments and foreign exchange operations Foreign payments Foreign exchange operations Savings s, escrow s and time deposits Credit cards and loans Credit cards Insurance for credit cards Loan Consolidation Overdraft Mortgage loans Pre-mortgage loan Refinancing of mortgage loan Insurance for loans for breach of contract Investments Certificates Bonds Funds Shares Other Other banking services Cheques Banking information Safe deposit boxes Day and night depositories Other 24 Sberbank CZ List of s INDIVIDUALS Page 01

3 1. Everyday banking 1.1 Current s START PLUS EXTRA Current Opening/change/closing of an Maintenance of an / option of (monthly) New option of at the client's request Electronic statement (e-statement) Electronic statement /collection via Infoterminal Free of charge Statement by post upon turnover / weekly / monthly / quarterly / yearly 40 Copy of statement, copy of debit/credit advice note (Statement for last 12 months / older than 12 months) Maintenance of a overdraft (monthly) Infoterminal Infocard issue fee 50 Issue of Confirmation of balance 200 Account block upon client request 200 Blockage of payment of deposit products 500 * The new option comes into effect on the first day of the following month. Sberbank CZ List of s INDIVIDUALS Page 02

4 1. Everyday banking 1.2 Domestic payments START PLUS EXTRA Current Incoming payment within Sberbank CZ Incoming payment from another bank Outgoing payment within Sberbank CZ made via electronic banking or generated by system (including standing order and permitted direct debit entries) Outgoing One-off payment to another bank 5 3 Included in the option fee 5 Outgoing payment outside of Sberbank CZ (standing order, SIPO payment and permitted direct debit entries) 5 1 standing order, 1 SIPO a 1 direct debit Included in the option fee 5 Outgoing payment via a PayU payment 5 Outgoing payment submitted on standard or nonstandard paper payment order within Sberbank CZ Outgoing payment submitted on standard paper payment order outside of Sberbank CZ Outgoing payment submitted on nonstandard paper payment order outside of Sberbank CZ Standing order, SIPO, permitted direct debit in paper form (opening/ change/closing) Standing order, SIPO, permitted direct debit electronically (opening/ change/closing) Surcharge for express (priority) payment 200 Recall of a payment order (entry) upon previous agreement with the bank after receipt prior to maturity date Recall of a payment order (entry) on the maturity date after its receipt by the Bank nevertheless before its execution (upon previous agreement with the Bank) 150 Verification of a payment outside of Sberbank CZ at the client's request 250 Confirmation of payment execution 100 Advice note on payment order failure due to insufficient funds on, payment order error or illegibility (entry) Electronically (Sberbank Online Banking) / via Infoterminal* Advice note on payment order failure due to insufficient funds on, payment order error or illegibility (entry) by post 50 Change to a payment order due date 150 * The Infoterminal allows printing of advice notes about failed payment orders due to insufficient funds (other types of advice notes are sent to clients via post). Sberbank CZ List of s INDIVIDUALS Page 03

5 1. Everyday banking 1.3 Cash payments START PLUS EXTRA Current Cash deposit Unsorted banknotes surcharge for cash deposit exceeding CZK 500,000 within a single day Surcharge for a cash deposit in a foreign currency (exceeding CZK 500,000 or the equivalent) in a single day 0.1% of the amount deposited, max 1, % of the amount deposited, max 1,000 Deposit to an at Ceskomoravska stavebni sporitelna 50 Deposit to an at another financial institution 2%, min. 1,000 Cash withdrawal 60 Surcharge for a cash withdrawal exceeding CZK 250,000 within one day 0.2% of the amount withdrawn Withdrawal exceeding CZK 250,000 without notification 1,000 Failure to collect advised withdrawal exceeding CZK 250, %, min. 500 for changing more than 100 banknotes of the same nominal value for smaller currency, including coin recounting for exchanging cash exceeding 100 units of the same nominal value, including recounting of banknotes (only) Surcharge for a cash withdrawal in a foreign currency (except EUR, USD, GBP and CHF) 2%, min % of the amount 0.5% of the withdrawn amount Sberbank CZ List of s INDIVIDUALS Page 04

6 1. Everyday banking 1.4 Debit cards START PLUS EXTRA Current Monthly fee for card maintenance Maestro / VISA Electron 1 card included in option fee 2 cards included in option fee, other cards for 41 Monthly fee for card maintenance MasterCard Standard / VISA Classic Monthly fee for card maintenance MasterCard Gold / VISA Gold 350 Surcharge for HolidayCard mode 1 3 ATM ATM cash withdrawal Sberbank in the Czech republic 5 cash withdrawals 5 ATM cash withdrawal ČSOB in the Czech republic 10 from any ATM in the Czech republic, 10 ATM cash withdrawal another bank or company in the Czech Republic 37 other ATM withdrawals for standard fee ATM cash withdrawal abroad ,5% of the amount ATM cash withdrawal abroad by Holiday card (personal) 29 Cash withdrawal at the bank counter (Cash advance) in the Czech republic 1% min. 50 Cash withdrawal at the bank counter (Cash advance) abroad % Electronic payment for goods and services Card issue Forgotten PIN issue of new PIN 160 ATM PIN change 35 ATM balance inquiry (ATMs of Sberbank CZ and ČSOB) ATM balance inquiry (ATMs of other banks and abroad) 9 Change to limit at the client's request 70 Change to limit at the client's request for cardless payments Release of replacement cash abroad 3,000 Issue of a replacement card abroad 4,000 Visa Electron MasterCard Standard Typ karty Platnost Limity Volitelné služby Další služby elektronická osobní i služební Typ karty embosovaná osobní i služební 5 let Platnost 5 let Volitelné výše limitů: Limity Volitelné výše limitů: - celkový denní limit - celkový denní limit - denní limit pro výběr v bankomatu - denní limit pro výběr v bankomatu - denní limit pro platbu u obchodníka - denní limit pro platbu u obchodníka - denní limit pro platbu na internet - denní limit pro platbu na internet Volitelné služby cestovní pojštění Standard/Standard Family cestovní pojštění Standard/Standard Family Exclusive/Exclusive Family Exclusive/Exclusive Family Gold/Gold Family Gold/Gold Family pojištění ztráty/krádeže Basic pojištění ztráty/krádeže Basic Classic Classic Extra Extra pojištění právní ochrany D.A.S. pro řidiče motorového vozidla pojištění právní ochrany D.A.S. pro řidiče motorového vozidla cashback Další služby cashback nastavení karty na 2 účty nastavení karty na 2 účty možnost zablokovat kartu pro platby na internetu možnost zablokovat kartu pro platby na internetu změna PINu na bankomatu změna PINu na bankomatu dotaz na zůstatek dotaz na zůstatek Sberbank CZ List of s INDIVIDUALS Page 05

7 1. Everyday banking 1.5 Insurance for debit cards Travel insurance Cardif Pojišťovna (monthly fee) Single 49 Family 79 Fraud insurance for payment cards Cardif Pojišťovna (monthly fee) Fraud insurance for payment cards 59 Travel insurance ČSOB pojišťovna (annual fee)***** Standard 300 Standard Family 900 Exclusive* 1,200 Exclusive Family 2,280 Gold** 1,800 Gold Family 3,000 Insurance against card loss/theft ČSOB pojišťovna (annual fee)***** Basic*** 180 Classic*** 480 Extra*** 840 D.A.S. legal protection insurance for drivers of motor vehicles (annual fee)**** 300 * Insurance is automatically included with MasterCard Busines and VISA Business payment cards included in card price. ** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards included in card price. *** Insurance cannot be arranged with Maestro card. **** Insurance is automatically included with Gold payment cards. ***** The fee is charged on the last day of the calendar month in which the client applied for payment card insurance. Validity of insurance is fixed to card validity (non-transferable). Sberbank CZ List of s INDIVIDUALS Page 06

8 1. Everyday banking 1.6 Electronic banking START PLUS EXTRA Current Monthly fee for using Sberbank Online banking 47 Monthly fee for using Smart Banking Cancellation of Sberbank Online Banking / Smart Banking One-off charge for activation of safety token 250 One-off charge for issue of safety envelopes One-off charge for issue of certificate 250 Renewal of security data 150 Issue of new token due to token expiration Issue of new token due to loss/theft/damage by client 450 Sending a SMS notification of periodic balance Sending a SMS notification of login to Sberbank Online Bankingu 2.5 Sending a SMS notification of a change of balance 2.5 Sending a SMS notification of an unauthorised overdraft 2.5 Sending a SMS notification of an incoming transaction 2.5 Sending a SMS notification of an outgoing transaction 2.5 Sending a SMS notification that a card is ready for pick-up at branch Sending a SMS notification of internet transaction via payment card Sending a SMS notification of held item via payment card Sending a SMS notification of unsuccessful authorization of payment card transaction Sending an notification of periodic balance Sending an notification of login to Sberbank Online Bankingu Sending an notification of a change of balance Sending an notification of an unauthorised overdraft Sending an notification of an incoming transaction Sending an notification of an outgoing transaction Sending an notification that a card is ready for pick-up at branch Sending an notification of internet transaction via payment card Sending an notification of held item via payment card Sending an notification of unsuccessful authorization of payment card transaction Sberbank CZ List of s INDIVIDUALS Page 07

9 2. Foreign payments and foreign exchange operations 2.1 Foreign payments BEN/SHA incoming payment Příchozí platba typu BEN/SHA from a foreign country in a foreign currency or in CZK BEN/SHA incoming payment from another domestic bank in a foreign currency BEN/SHA incoming payment From another domestic bank in CZK to an held in a foreign currency Incoming payment within Sberbank/OUR incoming payment 0.9% of the amount, min. 150; max % of the amount min. 150; max % of the amount, min. 150; max. 900 Incoming EU payment (incl. SEPA payment)* 150 Incoming Sberbank payment Incoming Rouble payment 100 Outgoing payment directed abroad in a foreign currency or in CZK 1%, min. 300; max. 1,700 Outgoing payment to another domestic bank in a foreign currency 1%, min. 300; max. 1,700 Surcharge for OUR payment* 1%, min. 300; max. 1,500 Outgoing payment within Sberbank CZ Outgoing payment in CZK from an held in a foreign currency to an at another domestic bank 0.5%, min. 50; max. 300 Outgoing EU payment (incl. SEPA payment)** 250 Outgoing Sberbank payment*** 100 Outgoing Rouble payment**** 300 Recall or amendment of a payment order (entry) After receipt prior to maturity date On the maturity date after its receipt by the Bank nevertheless before its execution (upon previous agreement with the Bank) Change, correction, cancellation of an executed payment fees of other bank Surcharge for an express (urgent) payment 750 Confirmation of payment execution (SWIFT message) upon submission of the payment order 200 Confirmation of payment execution (SWIFT message) at the client s request after submission of the payment order Verification of a payment, change of instructions fees of other bank Advice note on failed payment order (due to insufficient funds on, payment order error or illegibility) Electronically (Sberbank Online Banking) By post 200 Surcharge for executing a payment after the cut-off time (always only upon previous agreement with the Bank)* 500 for deletion of an electronic payment order due to insufficient funds 200 Sberbank CZ List of s INDIVIDUALS Page 08

10 2. Foreign payments and foreign exchange operations 2.1 Foreign payments Sending MT 940 statements from one via SWIFT (monthly) 1,000 One-time fee for set up of MT940 statements sent via SWIFT 1,000 Crediting a returned payment due to incorrect instructions given by the client 300 Surcharge for NON-STP payment 400 Surcharge for paper payment order (including transfers within Sberbank CZ) 300 Foreign standing order (opening/changing/closing) 200 The Bank reserves the right to stipulate an exchange rate according to the current interbank market for charging incoming and outgoing payments and transfers within the Bank for amounts exceeding CZK 1,250,000 and the equivalent in other currencies. In case of fees determined by per cent, the amount of the payment transaction serves as the basis for the fee calculation. TIP EU payment an electronic standard (not urgent) payment to/from an EEA member state in EUR, not exceeding EUR 50,000 inclusive, and which includes the valid IBAN and BIC; SHA charges apply. SEPA payment payment in EUR with the same parameters as an EU payment, except for unlimited amount and recipient banks (SEPA banks only). SEPA payments not exceeding EUR 50,000 inclusive are charged as EU payments; SEPA payments exceeding EUR 50,000 are charged as payments directed abroad in a foreign currency or in CZK. Sberbank payment a payment in EUR, USD, RUB and CZK to Sberbank of Russia (Russia) and its subsidiary banks in Belarus, Kazakhstan, and Ukraine. Sberbank payments in RUB are not subject to OUR surcharges (other options are not supported in RUB currency); Sberbank payments made in the other currencies listed above are subject to an OUR surcharge of CZK 300. And payments in EUR and CZK from subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia, and Slovenia. Rouble payment a payment in RUB (excluding payments that meet the parameters of Sberbank payments). Rouble payments are not subject to OUR surcharges. 2.2 Foreign exchange operations Purchase/sale of foreign currency 1%, min. 50 Sberbank CZ List of s INDIVIDUALS Page 09

11 3. Savings s, escrow s and time deposits 3.1 Savings s, escrow s and time deposits Opening/change/closing of a Savings and Saving GUARANTEE Maintenance of a Savings and Saving GUARANTEE Monthly fee for use of Sberbank Online Banking including Smart Banking Outgoing payment via electronic banking entry outside the Sberbank CZ Outgoing payment via electronic banking entry outside the Sberbank CZ (including standing order entries, SIPO payments and accepted direct debit) Opening a time deposit Maintenance of a time deposit (monthly) Renewal of revolving time deposit Early withdrawal of funds from a time deposit / early cancellation of a time deposit Opening and maintenance of an Escrow, addendum to an Escrow contract 18 2% of the early withdrawal amount, min. 1, % of the deposited amount, min. 5,000; max. 20,000 Changes to sample contractual documentation at the client's request 4,000 Other fees not listed above are governed by the relevant chapters of the List of s. Sberbank CZ List of s INDIVIDUALS Page 10

12 4. Credit cards and loans 4.1 Credit cards Monthly fee for credit card Opening of a credit card Maintenance of a credit card (monthly) Sending credit card statements (monthly) Sending a copy of a credit card statement 40 ATM cash withdrawal Sberbank in the Czech republic ATM cash withdrawal ČSOB in the Czech republic ATM cash withdrawal another bank or company in the Czech Republic ATM cash withdrawal abroad Cash withdrawal at the bank counter (Cash advance) in the Czech republic Cash withdrawal at the bank counter (Cash advance) abroad Electronic payment for goods and services Card issue 0.25% of the amount, min % of the amount, min % of the amount, min % of the amount, min % of the amount, min % of the amount, min. 120 Forgotten PIN issue of new PIN 160 ATM PIN change 35 ATM balance inquiry (ATMs of Sberbank CZ and ČSOB) ATM balance inquiry (ATMs of other banks and abroad) 9 Release of replacement cash abroad 3,000 Issue of a replacement card abroad 4,000 Change to limit at the client's request 70 Change to limit at the client's request for cardless payments Change to credit limit at the client's request FÉR kreditní karta for each direct debit if the minimum instalment has not been paid 50 Change to contractual conditions, breach of contract min. 100 Typ karty Platnost Výše úvěru Bezúročné období Limity Volitelné služby Další služby embosovaná osobní 5 let až Kč až 45 dní pro bezhotovostní i hotovostní transakce výše jednotlivých limitů se odvíjí od výše schváleného úvěrového rámce kreditní karta má tyto limity: celkový týdenní limit týdenní limit pro výběr v bankomatu týdenní limit pro platbu u obchodníka týdenní limit pro platbu na internet cestovní pojštění Standard/Standard Family pojištění ztráty/krádeže Basic Classic pojištění právní ochrany D.A.S. pro řidiče motorového vozidla cashback možnost zablokovat kartu pro platby na internetu možnost změny PINu na bankomatu možnost dotazu na zůstatek Sberbank CZ List of s INDIVIDUALS Page 11 Katalog karet kreditní karty 13

13 4. Credit cards and loans 4.2 Insurance for credit cards Travel insurance Cardif Pojišťovna (monthly fee) Single 49 Family 79 Fraud insurance for payment cards Cardif Pojišťovna (monthly fee) Fraud insurance for payment cards 59 Travel insurance ČSOB Pojišťovna (yearly fee) Standard* 300 Standard Family* 900 Insurance against card loss/theft ČSOB Pojišťovna (yearly fee) Basic* 180 Classic* 480 D.A.S. legal protection insurance for drivers of motor vehicles* 300 * The fee is charged on the last day of the calendar month in which the client applied for payment card insurance. 4.3 Loan Loan provision Maintenance of a loan Sending loan statement Early repayment of a consumer loan 4.4 Consolidation Loan provision Maintenance of a loan Sending loan statement Early repayment of a consumer loan Sberbank CZ List of s INDIVIDUALS Page 12

14 4. Credit cards and loans 4.5 Overdraft Loan processing Maintenance of an with an overdraft line of credit (monthly) Change in amount of an overdraft line of credit 4.6 Mortgage loans Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) Up to CZK 7 million with proof of income Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) Up to CZK 7 million without proof of income Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) Over CZK 7 million 0.4% of the loan amount, min 4,000 max 10, % of the loan amount, min 6,000 max 15,000 Individually Mortgage promise processing 1,000 Consultation Maintenance of a loan (monthly) for new clients who began drawing on or after 28 February 2013 Maintenance of a loan (monthly) for clients who began drawing by 27 February 2013 Sending loan statement for provision of Land Registry record* CZK + 21% VAT for the fourth and each subsequent drawing 500 for drawing a loan of less than CZK 50,000 Partially drawn loan Change to conditions at the client's request One extra instalment payment per year outside fixed terms up to 10% of the current balance of the principal with no penalty** Early repayment of a mortgage loan*** Assumption of debt (mortgage loan including real estate) out of fixed rate period Early repayment of a "Green Loan" (up to the amount of the state subsidy under the Green Savings program) 500 per drawing 5% of the undrawn amount (applies when more than 20% of the mortgage loan has not been drawn or when the undrawn amount exceeds CZK 500,000) 0.25% of the current loan balance, min. 2,000 and max. 10, % of the current loan balance, min. 2,000 and max. 10, % of prematurely repaid amount for each prematurely repaid month remaining to the end of the fixed rate period 50% of the calculated "early repayment" fee (one early repayment instalment, valid for mortgage loans concluded on or after 5 October 2009) Sberbank CZ List of s INDIVIDUALS Page 13

15 4. Credit cards and loans 4.6 Mortgage loans Early repayment of a home equity loan (fee applies to contracts signed by 31 December 2010) Application for early repayment of a home equity loan with remaining maturity of less than 1 year (fee applies to contracts signed on or after 1 January 2011) Application for early repayment of a home equity loan with remaining maturity of less than 1 year (fee applies to contracts signed on or after 1 January 2011) Interest payment confirmation (once per year) 0.25% of the prematurely repaid amount for each full or partial prematurely repaid month remaining to the end of the fixed rate period 1% of the prematurely repaid amount 0.5% of the prematurely repaid amount Interest payment confirmation (at the client's request) 100 Issue of Confirmation of balance on a loan **** 750 Penalty for not drawing a concluded mortgage from Sberbank CZ, a.s. for the repayment of a pre-mortgage loan 10% of the pre-mortgage loan * For Land Registry records consisting of 1 to 3 pages, the fee is CZK % VAT; for each subsequent page (i.e. 4th and each subsequent), the fee is CZK % VAT. ** In the same amount as the fee for changes to conditions initiated by the client *** The fee shall be refunded to the client after the new loan has been drawn if s/he takes out a new mortgage loan (with at least 5Y fixed) in the same amount or more than the current balance of the existing loan and the loan is drawn within 12 months from repayment of the existing loan **** Provision of information to the client without issuance of a confirmation statement is free of charge 4.7 Pre-mortgage loan Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full)* 2,000 * The client also pays a mortgage loan application processing fee.other fees correspond with fees for mortgage loans and home equity loans. 4.8 Refinancing of mortgage loan Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) Refinancing up to CZK 7 million Loan processing (the fee is payable on the date of signing the contract, applies even if the provided amount is not drawn in full) Over CZK 7 million for not drawing a mortgage loan intended for refinancing of a mortgage loan or a loan under a building savings plan 999 Individually 1.5% of the undrawn loan amount * Other fees correspond with fees for mortgage loans and home equity loans. Sberbank CZ List of s INDIVIDUALS Page 14

16 4. Credit cards and loans 4.9 Insurance for loans Payment protection insurance (loans) STANDARD Payment protection insurance (loans) STANDARD Payment protection insurance (mortgage loans) STANDARD Payment protection insurance (mortgage loans) PLUS 5% of the regular monthly payment 7.5% of the regular monthly payment 5% of the regular monthly payment 7% of the regular monthly payment 4.10 for breach of contract for sending a reminder (warning) First reminder (warning) 200 Second and each subsequent reminder (warning) overdraft line of credit 300 Second and each subsequent reminder (warning) other type of loan 500 Withdrawal from the contract due to loan default Overdraft line of credit 500 Other type of loan Penalty interest for credit cards 31.9% p.a. Sberbank CZ List of s INDIVIDUALS Page 15

17 5. Investments 5.1 Certificates Investment certificates with fixed maturity date (guaranteed, airbag/bonus and other non-leverage certificates) Volksbank AG issues (OTC) Purchase Sale Redemption Coupon payments according to the conditions determined for an individual emission Citigroup Funding Inc. issues (OTC) Purchase Sale Payment upon maturity Coupon payment according to the conditions determined for an individual emission 500 (amount not considered) Publicly traded issues Purchase or sale 1,25% Redemption Coupon payments 0.5% of the transaction volume, min. EUR 1.50; max. EUR % of the coupon payment, 2,000 + fees of foreign administrators (custodian) min. 50 Investment certificates without maturity date (index certificates and other non-leverage certificates) Purchase or sale 1.25%, min. EUR 38 Sberbank CZ List of s INDIVIDUALS Page 16

18 5. Investments 5.2 Bonds Purchase or sale Domestic 0.6%, min. 180 Foreign 0.6%, min. EUR 50 Bond redemption Domestic Foreign fees of foreign administrators (custodian) Coupon payments Bonds or mortgage covered bonds issued by Sberbank CZ Domestic Foreign 0.5% of the transaction volume, max. 2,000; min % of the transaction volume, max. CZK 2,000 + foreign administrators fee (custodian); min. 50 Sberbank CZ List of s INDIVIDUALS Page 17

19 5. Investments 5.3 Funds Volksbank Invest, ING Investment Management, HSBC Mutual funds Purchase of share certificates Money market mutual funds 30,000 up to 299,000 CZK 0.75% 300,000 up to 999,999 CZK 0.50% 1,000,000 CZK and more 0.35% Bond funds 30,000 up to 299,000 CZK 2% 300,000 up to 999,999 CZK 1.75% 1,000,000 CZK and more 1.5% Equity Funds 30,000 up to 299,000 CZK 3.75% 300,000 up to 999,999 CZK 3% 1,000,000 CZK and more 2.75% Mixed, Guaranteed, Index, Click Funds 30,000 up to 299,000 CZK 2.75% 300,000 up to 999,999 CZK 2.50% 1,000,000 CZK and more 2.25% Sale of share certificates Transfer of share certificates within one of the investment companies listed above (fund change) Upon a change to a target fund with a higher sales fee Upon a change to a target fund with a lower sales fee Dividend payment from share certificates difference between higher and lower fee for purchase in given volume range (according to the amount of invested assets) Sberbank CZ List of s INDIVIDUALS Page 18

20 5. Investments 5.3 Funds Guaranteed HSBC Growth Funds Purchase of share certificates Sale of share certificates before maturity 1.5% Transfer between HSBC guaranteed growth funds Redemption of share certificates ETF (Exchange Traded Funds) Traded issues in Austria and Germany (purchase or sales) 1.25%, min. EUR 50 Traded issues in other countries (purchase or sales) 1.25%, min. EUR 65 Other mutual funds Implementation of trade through the public markets (purchase or sales) 1.25%, min. EUR 50 Implementation of trade through an investment company Purchase The fee is deal-specific and as such is specified upon request. Sales EUR 16 Sberbank CZ List of s INDIVIDUALS Page 19

21 5. Investments 5.4 Shares Purchase or sale Czech Republic 1.25%, min. CZK 100 Europe Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Spain 1.25%, min. EUR 38 Denmark 1.25%, min. DKK 300 Hungary 1.25%, min. HUF 20,000 Norway 1.25%, min. NOK 300 Poland 1.25%, min. PLN 330 Russia 1.25%, min. EUR 350 Greece 1.25%, min. EUR 150 Sweden 1.25%, min. SEK 350 Switzerland 1.25%, min. CHF 60 Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine 1.50%, min. EUR 100 Great Britain 1.25%, min. GBP % Stamp duty at purchase Slovenia 1.25%, min. EUR 50 Other countries Australia 1.25%, min. AUD 200 Hong-Kong 1.25%, min. HKD 1,000 Canada 1.25%, min. CAD 100 USA 1.25%, min. USD 50 Other countries provided on request Dividend payment Domestic Foreign 0.5% of dividend volume, max. 2,000; min % of dividend volume, max. 2,000 + fees of foreign administrators (custodian); min. 50 Shares split, reverse split, change of nominal value, decrease of registered capital Sberbank CZ List of s INDIVIDUALS Page 20

22 5. Investments 5.5 Other Securities trading Submission of an order Change of order parameters Cancellation of an order Administration of securities Maintenance of depository for securities annual depository report Annual depository statement, extra depository statement Custody transfers Domestic transfer to the depot transfer from the depot CZK 1,000/ transactions + costs of third parties (information is available upon the request, according to the particular requirement) Foreign transfer to depot transfer from depot Subscription of newly issued shares Purchase/sale of rights (existing shareholders' right of first refusal for increase of registered capital) EUR 40/ transaction + costs of third parties (information on request according to a concrete requirement) According to fees on the market on which the subscribed title is traded According to fees on the market on which the rights are traded Extract from not registered in the Central Securities Depository 500 Sberbank CZ List of s INDIVIDUALS Page 21

23 6. Other banking services 6.1 Cheques Cashing a cheque issued by another bank (only for clients of Sberbank CZ) Crediting a cashed cheque to an Returned cheque submitted for cashing 1%, min. 500; max. 2,000 + fees charged by other banks fees charged by other banks Cashing a pension sent periodically by foreign cheque 150 Sberbank CZ client cheques Issue of a cheque in CZK or a foreign currency 3 Cashing a cheque in a foreign currency Via transfer to an at a foreign bank 1%, min. 100; max Via transfer to a client s at Sberbank CZ 0.5%, min. 50; max. 300 Cashing a cheque in CZK Via transfer to an at another bank in the Czech Republic 1%, min. 100; max Via transfer to a client s at Sberbank CZ 50 Cashing a cheque in cash Up to CZK 250, Over CZK 250, % of the amount, max 2,000 Returned client cheque due to insufficient funds 1,000 Upon submission at the Sberbank CZ cash desk Banker s cheques Issuing a bank cheque (USD or GBP only) 0.5%, min. 500; max. 5,000 Cashing a bank cheque from a correspondent bank payable at Sberbank 1%, min. 100; max. 1,000 Other Recall of a cheque 300 Stop payment Returned unused cheque (crediting the amount back to an ) SWIFT costs fees charged by other banks Sberbank CZ List of s INDIVIDUALS Page 22

24 6. Other banking services 6.2 Banking information Provision of banking information about a Sberbank CZ, a.s. client At his own request At his own request for an audit 1,000 (+ 21% VAT) 2,000 (+ 21% VAT) Provision of banking information about a Sberbank CZ, a.s. client To clients of domestic and foreign banks (request via these banks) To other persons To the authorised person for execution of a decision (pursuant to Section 38, Article 6, Act 21/1992 Sb., on Banks) To a person who shall prove that s/he has incurred damages as the consequence of incorrect data given to the Bank and that without this information s/he was not able to exercise his or her right to release of unjustified enrichment as stipulated in the Civil Code (pursuant to Section 38, Article 6, Act 21/1992 Sb., on Banks) 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request 400 (+ 21% VAT) per request Provision of banking information about a client of another bank to a client of Sberbank CZ. a.s. Compensation for actual costs + 1,000 (+ 21% VAT) per query 6.3 Safe deposit boxes Applies to rental of safe deposit boxes at the following branches: Prague Na Příkopě, Brno M-Palác, České Budějovice, Hradec Králové, Ostrava, Prague Lazarská and Zlín and Karlovy Vary. For more information about availability, please contact the respective branch. Size of safe deposit box Up to 5,000 cm 3 Safe deposit box annual rental fee 600 (+ 21% VAT) 5,001 10,000 cm 3 1,000 (+ 21% VAT) 10,001 15,000 cm 3 1,500 (+ 21% VAT) 15,001 30,000 cm 3 2,500 (+ 21% VAT) 30,001 50,000 cm 3 4,000 (+ 21% VAT) 50,001 cm 3 + 9,000 (+ 21% VAT) Key deposit (2 keys) 2,000 Rent notice Storage of uncollected contents of a safe deposit box for not vacating a safe deposit box after termination of the contractual relationship 100 CZK + 21% VAT 5,000/year (+ 21% VAT) According to the actual costs of vacating the safe deposit box Sberbank CZ List of s INDIVIDUALS Page 23

25 6. Other banking services 6.4 Day and night depositories Deposit for release of depository case and keys 3, Other s for services not included in the List of s For services not listed in the List of s* Crediting interest, transfer of deduction tax, charging prices for services Out deposit certificates of roadworthiness (per license) Cancellation of a lien on movables 200 for each full or partial 15-minute period of work 400 (+ 21% VAT) payment of notarial charge VAT (+ 21 VAT) for execution 150 * If services are not part of financial activities pursuant to Act No. 235/2004 Sb., on Value Added Tax, the Bank shall charge 21% VAT. Joint provisions Information about other fees not included in this List of s is available upon request at Sberbank CZ, a.s. branches. Should you have any questions, please contact your branch advisor. In addition to fees in this List of s, Sberbank CZ, a.s. shall charge the client any fees that foreign or domestic banks or other organizations charge for operations carried out at the client s request, unless agreed otherwise in specific cases. All fees are in CZK, unless stated otherwise indicated. Sberbank CZ List of s INDIVIDUALS Page 24

26 Infolinka