Citi Premium package

Citi Premium package

Citi Premium package Fee Description Term Price Citi Premium Effective January 1, 2014 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 Citibank account 2. The maintenance of Citi Premium package is free of charge for the first 3 months after opening. After this period, maintenance of Citi Premium package remains free of charge Monthly, In other cases CZK 350 if any of the below-mentioned conditions is fullfilled in the relevant month: the average monthly balance in current Accounts held in CZK or in foreign currency is at least CZK 200,000 or equivalent in foreign currency, the sum of incoming Payment Transactions to Accounts in the package is at least CZK 70,000 (transfers between own Accounts kept by the Bank in the Czech Republic are not considered incoming Payment Transactions). See articles 4 and 6 of the General provisions. 3. Statements (includes all current and savings accounts, time deposits and Investment accounts) a) Sending electronic account statements b) Sending paper account statements 4. Issuance and use of the CitiCard Debit Card 5. Interest on the current Account in CZK (other currencies) 0,1 % 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 savings accounts Information on rates can be obtained at Bank Establishments, on the Bank s Website, or via CitiPhone service (233 062 222). 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 a time deposit 4. Early termination 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 on 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 (233 062 222).

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 transaction with Investment instruments, see the Scale of Charges of Investment Products and Services. Current Lists (Scales) of Charges can be obtained at Bank Establishments or on the Bank s Website. PAYMENT SERVICES F CitiPhone Telephone Banking 1. The setup and maintenance of the CitiPhone services; includes telephone banking services provided by telephone bankers as well as help provided by Citibank interactive voice response system 2. a) Choosing a T-PIN b) Changing a T-PIN 3. The CitiAlert service (information messages sent as per Client s selection) 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/Canceling a standing Payment Order or SIPO 3. Setting/Changing/Canceling automatic transfers between current and savings accounts (The minimum balance in the current Account for an automatic transfer to be performed is CZK 50,000. The lowest difference between a minimum and maximum balance in the current Account for an automatic transfer is CZK 10,000) 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) Incoming domestic Payment Transactions in CZK b) Outgoing domestic Payment Transactions in CZK c) Express outgoing domestic Payment Transactions in CZK Charged when CZK 200 7. Foreign currency or 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 Charged when Charged when Charged when 1 % of the 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 Charged when e) Outgoing Citibank Global Transfer Payment Transactions (CGT is a cashless Payment Transaction to accounts maintained by selected entities from the Citibank Group abroad, it can be initiated via Citibank Online) 1 % of the amount, min. CZK 300, max. CZK 2,000 f) Outgoing foreign currency Payment Transactions within the Bank g) Incoming foreign currency or foreign Payment Transactions including SEPA h) Incoming Citibank Global Transfer Payment Transactions i) Incoming foreign currency Payment Transactions within the Bank

j) 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 in the Czech Republic 9. Fee overview for a manner of submitting a Payment Order a) Citibank Online Additional charge for banking services, which are not provided free of charge b) CitiPhone c) Establishment 10. 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) 3. Failure to carry out an announced Payment Transaction CZK 500 4. 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 currency 1. Deposit in Czech currency to an account maintained in a currency other than Czech 2. Deposit in a currency other than Czech banknotes 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 500 5. Other services performed by the Bank in relation to cash-based Payment Transactions (counting, sorting, etc.) CitiCard Debit Card Daily limit for cash withdrawals from ATM machines is CZK 40,000 and daily limit for cashless Payment Transactions is CZK 20,000. A Issuance and maintenance of a Debit Card 1. Issuance and maintenance of a Debit Card 2. Setting or change of A-PIN code B Reissuance of a Debit Card, due to expiration or loss, theft or fraud 1. a) Regular reissuance of a Debit Card at expiration b) Reissuance of a Debit Card due to theft or fraud, if it was the result of a criminal act (confirmation from the Police Dept. of CR necessary) c) Reissuance of a Debit Card before expiration 2. Blocking of a Debit Card after reporting a loss, theft or fraud. The Debit Card is automatically blocked in case of loss or theft. C Transactional Fees 1. Cash withdrawals from any ATM in the Czech Republic Monthly 10 withdrawals free of charge, after that CZK 30 2. Cash withdrawals from any ATM abroad Monthly 5 withdrawals free of charge, after that CZK 30 3. Use of a Debit Card in merchant network D Insurance accompanying the Debit Card 1. Single Travel Insurance 2. Optional Family Insurance for Your Travel Monthly CZK 79 3. Optional 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 Pojištovna, a. s., the provider of the insurance. Detailed information about the insurance products accompanying Citi payment cards is available at the Bank s Website (www.citibank.cz). E General Fees 1. Change in Client information 2. Change a limits set on the account

Checks and Foreign Exchange Services A Traveller s checks 1. Traveler s checks of Citicorp, American Express - 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 total amount 3. Acceptance of checks for collection to an Account (for Bank Clients only) CZK 650 B Foreign exchange services 1. Purchase and sale of foreign currency in cash (CZK) Charged when 2. Purchase of banknotes in the legal exchange period Charged when 3. Foreign currency conversion Charged when 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 banknotes or coins of a single nominal value over 100 banknotes or coins of a single nominal value Charged when 2,5 %, min. CZK 100 2. 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 banknotes or coins of a single nominal value over 100 banknotes or coins of a single nominal value Charged when 4 %, min. CZK 100 3. Not whole banknotes for which compensation is provided pursuant to Act No. 136/2011 Coll. 4. Replacement of sorted banknotes during the legal exchange period 5. Replacement of unsorted banknotes during the legal exchange period Charged when 30 % of the total amount, min. CZK 100 6. Replacement of not standardly damaged banknotes Not performed B Other services 1. Rental of safety deposit boxes 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 the scope of standard services For every 15 minutes, or fraction thereof CZK 200 C Provision of Client information 1. Provision of information to another financial institution 2. Compensation for the provision of information to civil court for the purpose of civil trial; to the entitled person for the purpose of enforcement of judgment 3. Provision of information to the Client at his/her request (duplicate Payment Order, duplicate or notarized photocopy of an archived document, copy of an account statement, confirmation of account balance) 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 Citi Premium 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 Citi Premium 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 Citi Premium package. The family member will also be issued an embossed CitiCard Debit Card (MasterCard) free of charge.

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 132781, conducting its business in the Czech Republic through Citibank Europe plc, organizačni složka, registered seat at Prague 5, Stodůlky, Bucharova 2641/14, Postal Code 158 02, Reg. No. 28198131, registered in the Commercial Register with the Municipal Court in Prague, Section A, Insert 59288. Member of Citigroup. Citibank Europe plc is regulated by the Central Bank of Ireland. CitiPhone +420 233 062 222 CA/37G/05/11/14/AJ