PRICE LIST FOR PRODUCTS AND SERVICES FOR PRIVATE INDIVIDUALS PART 2. This Price list is effective as of 1 August 2016.

PRICE LIST FOR PRODUCTS AND SERVICES FOR PRIVATE INDIVIDUALS PART 2 This Price list is effective as of 1 August 2016.

The Price list for Products and Services for Private Individuals (hereinafter the Price list ) contains the amount of and conditions surrounding the payment of fees and also any other types of monetary performance agreed to between you and the Bank. The Price list is graphically divided into Part 1 and Part 2; nevertheless, both parts are a single legal document and, if the Price list is referred to in any other documents, the Price list shall be regarded as consisting of both parts. Fees for some Banking Services that you use or other monetary performance agreed to between you and the Bank, may be contained in either Part 1 or Part 2 of the Price list. We recommend using the Price list 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 Price list starting with a capital letter that are not expressly explained in the Price list have the same meaning as that stipulated in the GBC and the Technical Conditions. The names of the products and other terms may be further defined in the relevant Contracts and the Product Conditions. You will obtain the Price list or its relevant parts upon concluding a Contract between the Bank and you. It is published on the Public Website or you can obtain it upon request of charge at any Point of Sale in printed form. Banking services are provided by the Bank as a part of a plan, a price program or independently (without using a plan or price program). The price plans and price programs are described in more detail in section 1 of the relevant part of the Price list. Unless specifically provided otherwise, the amount of the fee for each individual price list item is collected by the Bank in an 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 the fee is debited to the Account will be used. If the Price list, in any place, specifies included, this means that the relevant Banking Service is provided as a part of the relevant plan, price program or fee for the management or maintenance of an Account without any independent charges. If, anywhere in the Price list, an item is marked with an, this means that for this case the specified Banking Service is not available. This Price list is effective as of 1 August 2016.

CONTENTS 1. PRICE PROGRAMS 4 1.1. ekonto 4 1.2. 4 1.3. Banking Services provided as a part of the Price Program for a Flat-Rate Fee 4 2. ACCOUNTS AND DEPOSITS 6 2.1. Current Accounts in the ekonto Price Program 6 2.2. Current Accounts in the Price Program 6 2.3. Current Accounts outside of price programs (Independent Current Accounts) 6 2.4. Savings Accounts 6 2.5. Term Deposits 6 2.6. Statements of current, savings Accounts and Term deposits 7 3. PAYMENT METHODS, CASH AND EXCHANGE TRANSACTIONS 8 3.1. Cashless Domestic Payments 8 3.2. Cashless Foreign Payments 9 3.3. Cash Transactions 10 4. DIRECT BANKING 11 4.1. Direct Banking Services and current accounts outside of price plans and price programs 11 4.2. Direct Banking Services ekonto 11 4.3. Security Features 11 4.4. Other 11 5. PAYMENT CARDS 12 5.1. Debit Cards 12 5.2. Credit cards EASY, STYLE, DE LUXE 13 5.3. Credit cards RB Gold kreditní, RB Life kreditní, RB Classic kreditní, O2 Gold kreditní 14 5.4. Credit cards ČSA kreditní, MALL.cz kreditní, BILLA kreditní, O2 Classic kreditní 16 5.5. Credit Cards 17 6. LOAN PRODUCTS 20 6.1. Universal Personal Loans and Special Purpose Loans 20 6.2. One-off Drawing of Consumer Loans 20 6.3. Progressive Drawing of Consumer Loans 21 6.4. Personal Overdraft 21 6.5. Overdraft 21 6.6. Transferred Unpermitted Debits 21

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 and the Client does not pay a flat rate fee for the price program. Depending on whether the conditions specified below for the application of Premium benefits are met, individual services are provided as a part of the ekonto price program for a discounted price, for as a part of the Premium benefits, or for a basic price. The Client pays fees as a part of the Premium benefits if the following conditions are met: On the day of payment of the respective fee, the Client uses a debit card (except a MasterCard InternetCard) 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 into the Account in cash) on the Account is not less than CZK 25,000 a month, or on the day of payment of the relevant fee, the Client uses a debit card and the balance on their current and savings accounts, term deposits and the price of investment instruments managed for the Client by the Bank two days before the end of the month is not less than CZK 500,000. The credit turnover shall not include incoming payments from either the current or savings accounts of the same holder, transfers from term deposits to the Account, transfers between currency elements of the Account, credited interest or 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 the conditions for the application of benefits is assessed. Facts that were taken into consideration when assessing compliance with the 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 always assessed on the Account for which the relevant price program was agreed to. For the purposes of stipulating the amount of fees for cash withdrawals in CZK by a debit card from an ATM of another bank in the Czech Republic, compliance with the aforementioned conditions is assessed for the previous calendar month. 1.2. is a price program for Consumers through which you can use the Banking Services specified in this section 1.2 below (marked with the relevant symbol) or those Banking Services that this Price list states are included. Such Banking Services are not subject to any independent fees. The non-use of any Banking Services included in a price program does not influence the amount of the fee. Frequency Start, Klasik, Optimum Student Hypoteční 1. Flat-rate fee per month CZK 350 CZK 100 1.3. Banking Services provided as a part of the Price Program for a Flat-Rate Fee Start Klasik Optimum Student Hypoteční 1. Maintenance of one current account 2. Maintenance of one savings account 3. Internet Banking 1) 4. Telephone Banking 1) 5. GSM Banking 1) only one of the banking services two of the banking services only one of the banking services only one of the banking services two of the banking services only one of the banking services only one of the banking services two of the banking services only one of the banking services 4

Start Klasik Optimum Student Hypoteční 6. Maintenance of one electronic debit card 7. Maintenance of one emboss debit payment card two cards 8. Maintenance and management of Overdraft 9. Travel insurance for one debit card 1) Internet/Telephone/GSM Banking services that are not charged independently. Note: The fee for the specified Banking Service is included in the flat-rate fee. 5

2. ACCOUNTS AND DEPOSITS 2.1. Current Accounts in the ekonto Price Program Frequency ekonto Basic Price ekonto Prémium Benefits 1. Maintenance of one current account per month CZK 200 2. Maintenance of the first to third secondary currencies on the Account (for each currency element) 1) per month CZK 29 3. Maintenance of the fourth and each subsequent secondary currency on the Account (for each currency element) 1) per month CZK 29 4. Protect accident insurance per month CZK 20 5. Protect+ accident insurance per month CZK 30 1) 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 than or equal to USD 3, GBP 2, EUR 3, CHF 5, CZK 100, PLN 15, CAD 5, HUF 100, JPY 100 depending on the currency in which the specific currency element of the Account is maintained. 2.2. Current Accounts in the Price Program Frequency Start, Klasik, Optimum, Student, Hypoteční 1. Maintenance of one current account per month included 2.3. Current Accounts outside of price programs (Independent Current Accounts) Frequency Item fee 1. Maintenance of one current account per month CZK 200 2.4. Savings Accounts Unless provided otherwise below for savings accounts, the Client shall pay the Bank fees for making Payment Transactions and direct banking processes related to a savings account as stipulated for current accounts outside of price programs in the case of an Efektkonto Prémium or Efektkonto and Včelička savings accounts, or in the case of an savings account, as stipulated for the Optimum price program. Frequency Efektkonto Prémium, Efektkonto savings account 1) Včelička CZK 70 1. Direct banking per month CZK 90 2. Children s accident insurance from MetLife pojišťovna a.s. (formerly per month AMCICO AIG Life) 2) 3. Protector insurance programme from MetLife pojišťovna a.s. (formerly AMCICO AIG Life) 2) per month 1) A savings account is provided as a part of the price program in the Klasik and Optimum variants. 2) Applies to Contracts on Včelička Savings Account concluded up to 31 July 2006. 2.5. Term Deposits depending on the level of protection CZK 65 CZK 650 Unless provided otherwise below for term deposits agreed to through a written contract, the Client shall pay the Bank fees for making Payment Transactions and direct banking processes related to a term deposit as stipulated for the Optimum price program. Frequency Item fee 1. Early withdrawal per withdrawal 2% of the early withdrawn amount, min. CZK 1 000 6

2.6. Statements of current, savings Accounts and Term deposits ekonto, Current Accounts outside price plans and price programs 1. Change to statement setup 1.1. By Telephone Banking / at a Point of Sale CZK 50 2. Compiling and delivering statements 2.1. By mail (in the Czech Republic and abroad) CZK 30 2.2. By fax CZK 100 2.3. At a Point of Sale CZK 50 3. Compiling and delivering a copy of a statement 3.1. Electronic CZK 100 3.2. By mail CZK 130 3.3. At a Point of Sale CZK 150 CZK 100 4. Compiling an extraordinary statement at the Client s request CZK 300 Change your bank and join us! We will take care of everything for you. Benefits of moving to Raiffeisenbank a.s.: Keep your current Account number (only the bank code changes) Selecting any available Account number Discounts on credit 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 arrange the cancellation of your current account with your original bank, if you so wish Upon request we will compile for you a list of your regular payments you have at your original bank that we will then set up for you in Raiffeisenbank a.s. 7

3. PAYMENT METHODS, CASH AND EXCHANGE TRANSACTIONS 3.1. Cashless Domestic Payments ekonto Start, Student, Hypoteční Klasik, Optimum Current Accounts outside price plans and price programs 1. Processing of incoming payments 1.1. Processing of incoming payments in CZK from another Czech bank credited to the Client s foreign currency account 1.2. Processing of a payment not specified in line 1.1 2. Processing of outgoing payments 2.1. Input by GSM / Internet Banking CZK 6 2.2. Input on a paper medium / at a Point of Sale / by Telephone Banking CZK 54 2.3. Input by Internet Banking as an Express Payment CZK 100 2.4. Input on a paper medium / at a Point of Sale / by Telephone Banking as an CZK 220 Express Payment 2.5. In CZK from an Account that was in a currency other than CZK CZK 150 3. Standing Payment Orders 3.1. Setting/changing through a paper medium at a Point of Sale / by Telephone Banking 3.2. Processing of outgoing payments generated by Standing Payment Orders 3.3. Processing of the first outgoing payment generated by a Standing Payment Order in the event the input date of the first payment is different from the date of further payments 4. Direct debits / SIPO authorisations 4.1. Setting/changing through a paper medium at a Point of Sale / by Telephone Banking 4.2. Processing of an outgoing payment as a part of a direct debit/sipo 5. Direct debit orders 5.1. Input on a paper medium / at a Point of Sale / by Telephone Banking 5.2. Processing of an incoming payment as a part of a direct debit CZK 150 included CZK 7 CZK 50 CZK 6 CZK 9 CZK 54 CZK 9 CZK 50 CZK 6 CZK 9 CZK 50 6. Direct debit orders / Standing orders for direct debit / Intelligent saving 6.1. Setting/changing through a paper medium at a Point of Sale / by CZK 50 Telephone Banking 6.2. Processing of an incoming payment as a part of a direct debit CZK 3 6.3. Processing of an incoming/outgoing payment as a part of Intelligent Saving included included 7. Payments to an address 7.1. Processing of a payment CZK 70 7.2. Surcharge for making a payment in person / as of a designated day CZK 50 included CZK 3 included CZK 7 8. Automatic transfers of an over-the-limit balance 8.1. Change/cancellation CZK 30 included CZK 40 8

ekonto Start, Student, Hypoteční Klasik, Optimum Current Accounts outside price plans and price programs 8.2. Processing of an incoming/outgoing payment as part of an automatic transfer of an over-the-limit balance CZK 3 included CZK 3 3.2. Cashless Foreign Payments ekonto, Current Accounts outside price plans and price programs 1. Processing of incoming payments 1.1. Europayment and SEPA payments up to EUR 50 000 included 1) CZK 200 1.2. Internal bank foreign currency payment included 1.3. Payment with OUR instruction 2) at Payer s expense 1.4. Payment in CZK from Tatra banka, a.s. (based in Slovakia) 1% of the payment amount, min. CZK 300, max. CZK 1,200 included 1.5. Incoming retirement pension sent regularly from abroad (only following an agreement with the Bank) CZK 50 1.6. Other payments not specified in previous lines 1.1 to 1.5 1% of the payment amount, min. CZK 300, max. CZK 1,200 2. Processing of outgoing payments executed in favour of an account outside the Bank 2.1. Europayment and SEPA payments up to EUR 50 000 included 1) CZK 220 2.2. Sent payment with OUR fee type in the EEA and in EEA currencies (EEA OUR) 1% of the payment amount, min. CZK 300, max. CZK 1,500 + CZK 450 (guaranteed OUR fee) 3) 2.3. Payment with a BEN instruction 2) at Beneficiary s expense 2.4. Payment in EUR to Tatra banka, a.s. (based in Slovakia) CZK 50 2.5. Other payments not specified in previous lines 2.1 to 2.4 1% of the payment amount, min. CZK 300, max. CZK 1,500 3. Processing of outgoing payments made in the Bank 3.1. Internal bank foreign currency payment without a currency exchange between multi-currency accounts 3.2. Internal bank foreign currency payment with the exception of payments made in accordance with line 3.1 CZK 5 CZK 150 4. Other monetary performance in connection with Foreign Payment Transactions 4.1. Cancellation of an executed Payment Order at the Client s request 4) CZK 1,500 4.2. Mediation of a request for the return of an executed Payment Order CZK 1,500 + costs paid to other banks 4.3. Surcharge for the urgent (express) processing of a Payment Order, increased fee for processing the relevant payment type 5) CZK 500 CZK 1,500 4.4. Execution of a payment after the Cut-off Time (only following a prior agreement with the Bank), increased fee for processing the CZK 1,500 relevant payment type 4.5. Correction or supplementation of an incomplete or incorrectly completed Payment Order, a claim resulting from the CZK 500 + costs paid to other banks requirements of another bank 4.6. Provision of information requested by the Client related to Foreign Payment Transactions CZK 500 + costs paid to other banks 4.7. Processing of a payment returned by another Bank CZK 300 4.8. Surcharge for processing a Payment Order on a paper medium, increased fee for processing the relevant payment type CZK 300 4.9. Fees paid to other banks and fees not paid by other banks in the case of incoming payments with an OUR instruction or outgoing in full payments with BEN instruction 2) 4.10. Non-STP fee for the manual intervention with an insufficiently /incorrectly completed Payment Order CZK 300 1) Europayment a payment in EUR up to EUR 50,000 in EEA countries with a valid, correctly input bank identification code, the Beneficiary s IBAN, SHA type fee and without any special processing requirements. SEPA payment a payment in EUR 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 any special processing requirements. 2) Fees in accordance with instructions for a foreign payment: 9

ekonto, Current Accounts outside price plans and price programs SHA The Payer pays the fees of its own bank, the Beneficiary pays the fees of its own bank and any fees of other brokering banks. BEN The Beneficiary pays all fees, i.e. the fees of its own bank, the fees of the Payer s bank, and any fees of other brokering banks. OUR The Payer pays all fees, i.e. the fees of its own bank, the fees of the Beneficiary s bank, and any fees of other brokering banks. The expenses of other banks depend on the fees of the brokering banks and the Beneficiary s bank. 3) A fee guarantee by the Bank covering the fees of brokering banks and the bank of the Beneficiary billed for making a payment sent up to the equivalent of EUR 50,000 in EEA (European Economic Area) currencies to EEA countries with the OUR fee type. For other payments sent with the OUR fee type, the fees of other banks are subsequently billed in full. 4) Only if the amount of the Payment Transaction is still available to the Bank. 5) For the ekonto price program, urgent (express) payments can be sent only in EUR, USD. 3.3. Cash Transactions Frequency ekonto, Current Accounts outside price plans and price programs 1. Deposit of cash at a Point of Sale counter 1.1. Cash deposit into an Account, if the deposit not made by the Account Holder or a Signatory and provided it is not a Bank receivable per deposit CZK 65 2. Cash withdrawal at a Point of Sale counter 2.1. The first withdrawal in a calendar month per withdrawal CZK 60 1) 2.2. The second and subsequent withdrawals in a calendar month per withdrawal CZK 60 CZK 60 1) 2.3. Surcharge for making a withdrawal of cash over CZK 500,000 or its equivalent in a foreign currency 2.4. Non-collection of cash or cancellation of a cash withdrawal on the day specified by the Client per withdrawal per unrealized withdrawal 2.5. Partial non-collection of cash on the day specified by the Client per partly unrealized withdrawal 3. Currency exchange on cash deposits and withdrawals, unless the Account currency is the same as the Payment Transaction currency per exchange 0.15% of the withdrawn amount per day 1% of the unwithdrawn amount, min. CZK 500 1% of the unwithdrawn amount 1% of the value of the purchased/sold banknotes, min. CZK 50, max. CZK 2,500 1) If this concerns a single-currency account that is in a foreign currency, the fee is, depending on the Account Currency, EUR 2, USD 3, GBP 2, AUD 4, DKK 12, NOK 20, SEK 24, NZD 5, HRK 18, PLN 10, CAD 3, JPY 300, HUF 700, 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. 10

4. DIRECT BANKING 4.1. Direct Banking Services and current accounts outside of price plans and price programs 1. Service Maintenance Start one service, otherwise CZK 90 1) 1) The services are Internet, Telephone and GSM Banking. 4.2. Direct Banking Services ekonto Klasik, Optimum included Student two services, otherwise CZK 90 1) Hypoteční Current Accounts outside price plans and price programs one service, otherwise CZK 90 1) CZK 90 ekonto Basic Price ekonto Prémium Benefits 1. Service Maintenance CZK 90 2. Set-up of GSM Banking (with the exception of the initial CZK 50 establishmentof service) 4.3. Security Features Prices for services associated with Mobile, Personal and Internet Electronic Keys with ekonto price plan accounts can be found in the current Price list of products and services for private individuals. Passwords and certificates Start, Klasik, Optimum, Student, Current Accounts outside price plans and price programs 1. Use of a signature certificate for Internet Banking CZK 15 per month 4.4. Other ekonto Basic Price, ekonto Prémium Benefits Start, Klasik, Optimum, Student, Current Accounts outside price plans and price programs 1. Sending of requested information by text message CZK 4 2. Set-up of the Inform Me service by Telephone Banking / at a CZK 50 Point of Sale Control your Account by a smartphone or a tablet. With our Mobile ekonto application, you pay no extra fees (the fees are identical to those applicable to Internet banking), yet you save time and money. If you have a phone or a tablet with an Android or ios operating system, you can download Mobilní ekonto application from our website. 11

5. PAYMENT CARDS 5.1. Debit Cards Unless provided below otherwise, the fees referred to in this section also apply to debit cards and contactless stickers. 1. Card administration 1) ekonto Start, Klasik, Optimum, Student, Hypoteční, Efektkonto Prémium, Efektkonto Current Accounts outside price plans and price programs 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 2) CZK 75 / CZK 0 per month 4) included / CZK 75 per month 3) included / CZK 95 per month 3) 1.3. Embossed card Debit MastarCard GOLD BASE CZK 85 per month 1.4. Embossed card Debit MasterCard GOLD CZK 350 per month 1.5. Embossed card VISA Gold, MC Gold CZK 350 per month 1.6. MasterCard InternetCard CZK 15 per month 1.7. MasterCard contactless sticker CZK 10 / CZK 0 per month 2) 2. Additional services 5) CZK 75 per month CZK 95 per month 2.1. Travel insurance agreed to 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 cards 2.4. Travel insurance for cards in the 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 CZK 69 per month /robbery at an ATM) 3. Card transactions 6) 3.1. Withdrawal using a debit card from Raiffeisenbank a.s. ATMs CZK 9.90 3.2. Withdrawals (CZK) using a debit card from ATMs of another banks in the Czech Republic 7) CZK 39.90 / CZK 9.90 per item 8) CZK 39.90 3.3. Withdrawals using a debit card from ATMs abroad 7) CZK 100 + 0.5% of withdrawn amount 3.4. Cash withdrawal by card at bank counter/exchange office (Manual Cash Advance) CZK 150 + 0.5% of withdrawn amount 3.5. Exchange rate surcharge 0.75% of the value of the middle exchange rate for the respective transaction currency by the Bank s List of Exchange Rate 4. Other services 4.1. Express issuance of a card or PIN (within two Banking days) 4.1.1. Express issuance of a card (incl. a PIN for the card) with personal acceptance at a Point of Sale CZK 2,000 / card (incl. PIN) 4.1.2. Express issuance of a regenerated PIN CZK 1,000 / PIN 4.2. Sending of a card or a PIN 4.2.1. Forwarding a card/pin to an address in the Czech Republic delivery costs (depending on the chosen method of delivery)/mail 4.2.2. Sending a card/pin abroad CZK 200 + delivery costs (depending on the chosen method of delivery) /mail 4.3. Regeneration of a PIN for a card CZK 250 12

ekonto Start, Klasik, Optimum, Student, Hypoteční, Efektkonto Prémium, Efektkonto Current Accounts outside price plans and price programs 4.4. Regeneration of data about a MasterCard InternetCard CZK 250 4.5. Emergency service (in case of a lost/stolen/damaged card abroad) 4.5.1. Emergency Cash issuance of replacement cash abroad (only for embossed cards) CZK 3,000 4.5.2. Emergency Card issuance of a replacement card abroad CZK 2,000 + costs for delivery abroad 4.6. Connection of a second current account to the settlement of foreign currency transactions 4.7. Compiling a monthly statement for card transactions (incl. sending by post to an address in the Czech Republic) CZK 30 per statement 4.8. Compiling a monthly statement for card transactions (incl. sending by post to an address abroad) CZK 40 per statement 4.9. Compiling a duplicate or a one-off generation of a statement of card transactions (incl. sending by mail to an address in the CZK 100 per statement Czech Republic or abroad) 4.10. Information about card blocking / Card SMS Service CZK 2.40 per message 4.11. Information about 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 a newly issued payment card 5.2. Activation/deactivation of service for already issued cards via Internet or GSM Banking CZK 50 5.3. Activation/deactivation of service for already issued cards via Telephone Banking / Point of Sale CZK 100 5.4. Unlocking a card via Internet, Mobile or GSM Banking CZK 4 5.5. Unlocking a card via Telephone Banking / at a Point of Sale CZK 54 5.6. Locking a card via Internet, Mobile or GSM Banking 5.7. Locking a card via Telephone Banking / at a Point of Sale CZK 50 1) One Card Holder cannot have two cards of the same type for one Account. 2) Basic Price / Prémium Benefits. The price of CZK 0 as a part of the Premium benefits is applied to 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 1.3, items 6 and 7 of this Price list. If the relevant Banking Service is not included in the price, the specified price will be applied. 4) Basic Price / Prémium Benefits. The price of CZK 0 as a part of the Premium benefits is applied to 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 to insurance is valid at least one day in the month. 6) A debit card in the form of a contactless sticker cannot be used for cash transactions. 7) 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 the ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it prior to making the withdrawal. 8) 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. 5.2. Credit cards EASY, STYLE, DE LUXE Cards agreed until 29 February 2016 (inclusive) EASY STYLE DE LUXE 1. Card administration 1.1. Principal card agreed until 29 February 2016 (inclusive) CZK 59 monthly / included in ekonto KOMPLET 1.2. Additional cards agreed until 29 February 2016 (inclusive) CZK 59 monthly / included in ekonto KOMPLET 1.3. Additional cards agreed from 1 March 2016 CZK 59 monthly / included in ekonto CZK 129 per month / CZK 59 per month in ekonto KOMPLET CZK 129 per month / CZK 59 per month in ekonto KOMPLET 13

EASY STYLE DE LUXE KOMPLET CZK 99 per month 1.4. Contactless sticker 2. Travel insurance 1) 2.1. Travel insurance agreed from 1 January 2013 CZK 89 per month 2.2. Travel insurance agreed until 31 December 2012 (inclusive) CZK 50 per month 3. Insurance and additional services for a card 1) 3.1. Insurance for ability to repay the credit card bill 0.69% monthly of the total outstanding amount as of the day the statement was compiled 3.2. Extended guarantee insurance 3.3. KOMFORT insurance bundle (includes Extended guarantee insurance, Best price protection, Card fraud insurance and personal belongings insurance, Insurance for purchased goods) 2) CZK 99 per month 3) 3.4. Car assistance 2) included 4. Additional services agreed until 29 February 2016 (inclusive) 1) 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 withdrawal CZK 69 per month / robbery at an ATM 4.3. Creditor protection insurance 0.25% monthly of the total outstanding amount as of the day of compiling the statement 4.4. Balance cancellation insurance 1% monthly of the total outstanding amount as of the day of compiling the statement, max. CZK 500 5. Card transactions 5.1. Cash withdrawals (CZK) from an ATM in the Czech Republic 4) CZK 70 + 1% of the withdrawn amount 5.2. Cash withdrawals from an ATM abroad 4) CZK 100 + 1% of the withdrawn amount 5.3. Cash withdrawals from a bank/fx teller (Manual Cash Advance) CZK 80 + 1% of the withdrawn amount 5.4. Cash withdrawals by a card at a cash desk (Cash Back) CZK 10 5.5. Exchange rate surcharge 0.75% of the value of the middle exchange rate for the respective transaction currency by the Bank s List of Exchange Rate 6. Card repayment 6.1. Amount of minimum mandatory repayment 3.5%, min. CZK 300 7. Other services 7.1. Regeneration of a PIN for a card CZK 250 7.2. Emergency Cash provision of replacement cash abroad CZK 3,000 7.3. Emergency Card issuance of a replacement card abroad CZK 2,000 + costs for delivery abroad 7.4. Direct debit for the total outstanding amount from a credit card CZK 29 per month 7.5. Compiling of a statement for card transactions sending via e-mail of charge / sending by post to an address in the CR CZK 30 per month 7.6. Compiling of a duplicate statement of card transactions (to an address in the CR) CZK 100 per statement 7.7. Kredit Info CZK 19 per month 8. Request for payment of an outstanding amount CZK 500 9. Contractual penalty for exceeding the credit limit CZK 200 1) The fee is billed in the event that the particular insurance lasts at least one day in the month. 2) The service is not available for a contactless sticker. 3) The EASY credit card can be arranged at the earliest from 1 December 2016. 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 the ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it prior to making the withdrawal. 5.3. Credit cards RB Gold kreditní, RB Life kreditní, RB Classic kreditní, O2 Gold kreditní Cards agreed until 29 February 2016 (inclusive) RB Gold kreditní RB Life kreditní RB Classic kreditní O2 Gold kreditní 1. Card administration 1.1. Principal card agreed until 29 February 14

RB Gold kreditní RB Life kreditní RB Classic kreditní O2 Gold kreditní 2016 (inclusive) CZK 2,500 per year 1) CZK 50 per month 2) CZK 2,500 per year 1.2. Additional cards CZK 1,250 per year 1) CZK 1,250 per year 1.3. Contactless sticker 2. Travel insurance 3) 2.1. Travel insurance agreed from 1 March 2016 2.2. Family insurance for travels and stay agreed until 29 February 2016 (including) 2.3. Personal insurance for travels and stay agreed until 29 February 2016 (inclusive) 3. Insurance and additional services for a card 3) CZK 89 per month CZK 79 per month CZK 49 per month 3.1. Insurance for ability to repay the credit card bill 3.2. The KOMFORT insurance bundle (includes Extended guarantee insurance, Best price protection, Card fraud insurance and personal belongings insurance, Insurance for purchased goods) 4) 4. Additional insurance agreed until 29 February 2016 (inclusive) 3) 0.69% monthly of the total outstanding amount as of the day the statement was compiled CZK 99 per month CZK 99 per month 5) 4.1. Creditor protection insurance - PRIMA 0.49% monthly of the total outstanding amount as of the day of compiling the statement 4.2. Insurance for regular payments CZK 199 per month Standard 4.3. Insurance for regular payments Plus CZK 299 per month 4.4. Insurance for regular payments CZK 399 per month Exclusive 4.5. Card fraud insurance 100 CZK 79 per month 4.6. Card fraud insurance 50 included 4.7. Safety with Your Card Insurance CZK 89 per month 4.8. Mobileo Insurance included 5. Card transactions 5.1. Cash withdrawals (CZK) from an ATM in the Czech Republic 6) 3.5% of the withdrawn amount, min. CZK 89 5.2. Cash withdrawals from an ATM abroad 6) 3.5% of the withdrawn amount, min. CZK 89 5.3. Cash withdrawals from a bank/fx teller (Manual Cash Advance) 3.5% of the withdrawn amount, min. CZK 89 5.4. Cash withdrawals by card at a cash desk (Cash Back) CZK 10 5.5. Exchange rate surcharge 0.75% of the value of the middle exchange rate for the respective transaction currency by the Bank s List of Exchange Rate 6. Card repayment 6.1. Amount of minimum mandatory repayment 3.2%, min. CZK 200 7. Interest rate 7.1. Cash transactions 29.99 % 7.2. Cashless transactions 22.8 % 23.99 % 7.3. Automatic purchase on instalments 29.99% or individually 7.4. Purchase on instalments 29.99% or individually 7.5. Cash on Phone 29.99% or individually 8. Other services 8.1. Emergency Cash provision of replacement cash abroad 8.2. Emergency Card issuance of a replacement card abroad 8.3. Direct debit for the total outstanding amount from a credit card CZK 3,000 CZK 30,000 CZK 3,000 CZK 2,000 + costs for delivery abroad CZK 29 per month 15

RB Gold kreditní RB Life kreditní RB Classic kreditní O2 Gold kreditní 8.4. Compiling of a statement for card transactions sending via e-mail of charge / sending by post to an address in the CR CZK 19 per month 8.5. Compiling of a duplicate statement of card transactions (to an address in the CZK 100 per statement CR) 8.6. Kredit Info CZK 19 per month 8.7. Transfer of Funds for the repayment of a credit card crediting an Account held at Citibank, a.s. 9. Request for payment of an outstanding amount 10. Contractual penalty for exceeding the credit limit 1) No fee is charged in case of maintenance of ekonto Exclusive or ekonto Comfort. CZK 500 CZK 200 2) For the RB Life credit card: If a Client makes at least one payment for goods and services with a Card in the given billing period, in the first 12 months from the card s activation, he /she will be refunded the monthly fee of CZK 50 for maintenance of the card. 3) The fee is billed in the event that the particular insurance lasts at least one day in the month. 4) The service is not available for a contactless sticker. 5) Can be arranged from 1 December 2016. 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 the ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it prior to making the withdrawal. 5.4. Credit cards ČSA kreditní, MALL.cz kreditní, BILLA kreditní, O2 Classic kreditní Cards agreed until 29 February 2016 (inclusive) ČSA kreditní MALL.cz kreditní BILLA kreditní O2 Classic kreditní 1. Card administration 1.1. Principal card agreed until 29 February CZK 2,500 per year 2016 (inclusive) CZK 50 per month 1) CZK 50 per month 2) CZK 50 per month 1.2. Additional cards CZK 1,250 per year 1.3. Contactless sticker 2. Travel insurance 3) 2.1. Travel insurance agreed from 1 March 2013 2.2. Family travel insurance for the ČSA kreditní 4) 2.3. Family insurance for travels and stay agreed until 29 February 2016 (inclusive) 2.4. Personal insurance for travels and stay agreed until 29 February 2016 (inclusive) included 3. Insurance and additional services for a card 3) CZK 89 per month CZK 79 per month CZK 49 per month 3.1. Insurance for ability to repay the credit card bill 3.2. The KOMFORT insurance bundle (includes Extended guarantee insurance, Best price protection, Card fraud insurance and personal belongings insurance, Insurance for purchased goods) 4) 4. Additional insurance agreed until 29 February 2016 (inclusive) 3) 0.69% monthly of the total outstanding amount as of the day the statement was compiled CZK 99 per month 5) 4.1. Creditor protection insurance - PRIMA 0.49% monthly of the total outstanding amount as of the day the statement was compiled 4.2. Insurance for regular payments CZK 199 per month Standard 4.3. Insurance for regular payments Plus CZK 299 per month 4.4. Insurance for regular payments CZK 399 per month Exclusive 4.5. Card fraud insurance 100 CZK 79 per month 16

ČSA kreditní MALL.cz kreditní 4.6. Safety with Your Card Insurance CZK 89 per month BILLA kreditní 5. Card transactions 5.1. Cash withdrawals (CZK) from an ATM in the Czech Republic 6) 3.5% of the withdrawn amount, min. CZK 89 5.2. Cash withdrawals from an ATM abroad 6) 3.5% of the withdrawn amount, min. CZK 89 O2 Classic kreditní 5.3. Cash withdrawals from a bank/fx teller (Manual Cash Advance) 3.5% of the withdrawn amount, min. CZK 89 5.4. Cash withdrawals by a card at a cash desk (Cash Back) CZK 10 5.5. Exchange rate surcharge 0.75% of the value of the middle exchange rate for the respective transaction currency by the Bank s List of Exchange Rate 6. Card repayment 6.1. Amount of minimum mandatory repayment 3.2%, min. CZK 200 7. Interest rate 7.1. Cash transactions 29.99 % 7.2. Cashless transactions 23.99 % 7.3. Automatic purchase on instalments 29.99% or individually 7.4. Purchase on instalments 29.99% or individually 7.5. Cash on Phone 29.99% or individually 8. Other services 8.1. Emergency Cash provision of replacement cash abroad CZK 3,000 8.2. Emergency Card issuance of a replacement card abroad CZK 2,000 + costs for delivery abroad 8.3. Direct debit for the total outstanding amount from a credit card CZK 29 per month 8.4. Compiling of a statement for card transactions sending via e-mail of charge / sending by post to an address in the CR CZK 19 per month 8.5. Compiling of a duplicate statement of card transactions (to an address in the CZK 100 per statement CR) 8.6. Kredit Info CZK 19 per month 8.7. Transfer of Funds for the repayment of a credit card crediting an Account held at Citibank, a.s. 9. Request for payment of an outstanding amount 10. Contractual penalty for exceeding the credit limit CZK 500 CZK 200 1) For the MALL.cz credit card: If a Client makes at least one payment for goods and services with a Card in the given billing period, in the first 12 months from the card s activation, he/she will be refunded the monthly fee of CZK 50 for maintenance of the card. 2) For the BILLA credit card. If a Client makes at least one payment for goods and services with a Card in the given billing period, he/she will be refunded the monthly fee of CZK 50 for maintenance of the card. 3) The fee is billed in the event that the particular insurance lasts at least one day in the month. 4) The service is not available for a contactless sticker. 5) Can be arranged from 1 December 2016. 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 the ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it prior to making the withdrawal. 5.5. Credit Cards Cards agreed until 29 February 2016 (inclusive) Item fee 1. Issuance and renewal of cards (VISA Classic, VISA Extra, MC Animal Life, VISA Exclusive, VISA Premium Banking, GENERALI, VODAFONE, VISA Gold) 1.1. Principal card 1.2. Additional cards 1.2.1. Additional cards (except for GENERALI, VODAFONE) 1.2.2. Additional VODAFONE card CZK 90 17

1.2.3. Additional GENERALI card Item fee 2. Card administration 2.1. Principal card 2.1.1. VISA Extra CZK 59 per month 2.1.2. VISA Classic, VISA Exclusive CZK 59 per month ( if having spent at least CZK 3,000 at merchants in the given billing period) 1) 2.1.3. MC Animal Life CZK 59 per month 2.1.4. VISA Premium Banking CZK 20 per month ( if having spent at least CZK 3,000 at merchants in the given billing period) 1) 2.1.5. GENERALI CZK 45 per month ( if having spent at least CZK 3,000 at merchants in the given billing period) 1) 2.1.6. VODAFONE CZK 45 per month ( if having spent at least CZK 5,000 at merchants in the given billing period) 1) 2.1.7. VISA Gold CZK 120 per month 2.2. Additional cards 2.2.1. Additional cards (except for VODAFONE a VISA Gold) CZK 20 per month 2.2.2. Additional VODAFONE card 2.2.3. Additional VISA Gold card CZK 60 per month 3. Additional services 2) 3.1. Travel insurance agreed from 1 January 2013 CZK 89 per month 3.2. Travel insurance agreed until 31 December 2012 (inclusive) CZK 50 per month 3.3. Travel insurance for the VISA Gold card 3.4. "ZÁKLAD" card fraud insurance agreed until 29 February 2016 (inclusive) CZK 15 per month 3.5. "ZÁKLAD" card fraud insurance with the VISA Gold card 3.6. "PLUS" card fraud insurance, incl. insurance against loss/theft of personal items and insurance against forced withdrawal/robbery at an ATM agreed until 29 February 2016 (inclusive) CZK 69 per month 3.7. Creditor protection insurance agreed until 29 February 2016 (inclusive) 3.8. Balance cancellation insurance agreed until 29 February 2016 (inclusive) 0.25% monthly of the total outstanding amount as of the day the statement was compiled 1% monthly of the total outstanding amount as of the day the statement was compiled, max. CZK 500 3.9. Insurance for ability to repay the credit card bill 0.69% monthly of the total outstanding amount as of the day the statement was compiled 4. Card transactions 4.1. Cash withdrawals (CZK) from an ATM in the Czech Republic (for all card types except VODAFONE) 3) CZK 70 + 1% of withdrawn amount 4.2. Cash withdrawals (CZK) from Raiffeisenbank a.s. ATMs in the Czech Republic (for VODAFONE cards) CZK 50 4.3. Cash withdrawals (CZK) from other banks ATMs in the Czech Republic (for VODAFONE cards) 3) CZK 79 4.4. Cash withdrawals from an ATM abroad 3) CZK 100 + 1% of the withdrawn amount 4.5. Cash withdrawals from a bank/fx teller (Manual Cash Advance) CZK 80 + 1% of the withdrawn amount 4.6. Cash withdrawals by a card at a merchant cash desk (Cash Back) CZK 10 4.7. Exchange rate surcharge 0.75% of the value of the middle exchange rate for the respective transaction currency by the Bank s List of Exchange Rate 5. Card repayment 5.1. Amount of minimum mandatory repayment 3.5%, min. CZK 300 6. Other services 6.1. Regeneration of a PIN for a card CZK 250 6.2. Emergency service (in case of a lost/stolen/damaged card abroad) 6.2.1. Emergency Cash provision of replacement cash abroad (only for embossed cards) CZK 3,000 6.2.2. Emergency Card issuance of a replacement card abroad CZK 2,000 + costs for delivery abroad 6.3. Compiling of a statement for card transactions sending via e-mail of charge / sending by post to an address in the CR CZK 30 per month 6.4. Compiling of a duplicate statement of card transactions (incl. sending by mail to an address in the Czech Republic) CZK 100 per statement 18

Item fee 6.5. Direct debit for the total outstanding amount from a credit card CZK 29 per month 6.6. Kredit Info CZK 19 per month 7. Request for payment of an outstanding amount CZK 500 8. Contractual penalty for exceeding the credit limit CZK 200 1) The last day of the period is specified in the statement of the Card Account. It is the period for which all transactions that are executed during it are billed and submitted to the Client for payment on the due date. 2) The fee is billed in the event that the particular insurance lasts at least one day in the month. 3) 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 the ATM operators, where the Card Holder is expressly notified of such fee on the ATM screen and has to consent to it prior to making the withdrawal. 19

6. LOAN PRODUCTS 6.1. Universal Personal Loans and Special Purpose Loans Universal Personal Loan Special purpose loan 1. Use and maintenance of loan CZK 99 1) 2. Costs related to extraordinary instalments (premature repayment) 1% (0.5%) of the amount ofthe extraordinary instalment 2) 3. Amendment to contractual conditions based on CZK 300 Client s proposal 4. Insurance type A 5. Insurance type B 5.1. loans up to CZK 200,000 inclusive CZK 95 per month CZK 199 per month 5.2. loans up to CZK 500,000 inclusive CZK 95 per month CZK 359 per month 5.3. loans up to CZK 1,000,000 inclusive CZK 95 per month CZK 729 per month 5.4. loans up to CZK 2,000,000 inclusive CZK 95 per month CZK 1,149 per month 6. Insurance type C 6.1. loans up to CZK 200,000 inclusive CZK 119 per month CZK 199 per month 6.2. loans up to CZK 500,000 inclusive CZK 119 per month CZK 359 per month 6.3. loans up to CZK 1,000,000 inclusive CZK 119 per month CZK 729 per month 6.4. loans up to CZK 2,000,000 inclusive CZK 119 per month CZK 1,149 per month 7. Request for payment of an outstanding amount CZK 500 1) For loans granted prior to 1 January 2013, it is CZK 150 per month. 2) 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 to end of the consumer loan exceeds one year. If it does not exceed one year, the reimbursement of costs will not exceed 0.5 % of the prematurely repaid part of the total consumer loan amount. 6.2. One-off Drawing of Consumer Loans Quick loan One-Click loan 1. The use and management of loans 1) 2. Costs related to extraordinary instalments (premature repayment) 2.1. For loans provided between 1 December 2014 and 30 June 2015 2.2. For loans provided between 7 July 2010 and 30 November 2014 1% (0.5%) of the amount ofthe extraordinary instalment 2) 2.3. For loans provided between 1 July 2009 and 6 July 2010 4% of the extraordinary instalment 2.4. For loans provided between 1 May 2009 and 30 June 2009 4% of the extraordinary instalment 2.5. For loans provided between 1 September 2008 and 31 December 2008 4% of the extraordinary instalment 2.6. For loans provided between 1 October 2005 and 31 January 2006 4% of the extraordinary instalment 1) For loans granted prior to 1 January 2013, it equals CZK 99 per month. 2) 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 to end of the consumer loan exceeds one year. If it does not exceed one year, the reimbursement of costs will not exceed 0.5 % of the prematurely repaid part of the total consumer loan amount. 20

6.3. Progressive Drawing of Consumer Loans Low instalment loan consolidation 1) 1. The use and management of loans 2) Optimum instalment 2. Costs related to extraordinary instalments (premature repayment) 2.1. For loans provided between 1 January 2011 and 30 June 2015 1% (0.5%) of the amount of the extraordinary instalment 3) 2.2. For loans provided between 1 July 2009 and 31 October 2010 4% of extraordinary instalment 2.3. For loans provided between 1 September 2008 and 31 December 2008 1) From 1 July 2014 Consolidation and refinancing. 2) For loans granted prior to 1 January 2013, it is CZK 99 per month. 3) 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 to end of the consumer loan exceeds one year. If it does not exceed one year, the reimbursement of costs will not exceed 0.5 % of the prematurely repaid part of the total consumer loan amount. 6.4. Personal Overdraft Item fee 1. Provision including renewal of the option to draw CZK 200 2. Use of Personal Overdraft in any relevant month 1) CZK 90 / CZK 0 per month 2) 3. Amendments to the contractual terms initiated by the Client CZK 200 4. Request for settlement of outstanding amount CZK 500 1) For transactions concluded on or before 28 February 2005, the transaction name Maintenance and management of loan is used. 2) Basic Price / Prémium Benefits. 6.5. Overdraft Item fee 1. Provision including renewal of the option to draw CZK 200 2. Use and management CZK 90 per month 3. Amendments to the Client s contractual conditions CZK 200 4. Request for payment of an outstanding amount CZK 500 6.6. Transferred Unpermitted Debits Item fee 1. The use and management of loans CZK 99 per month 2. Costs related to extraordinary instalments (premature repayment) 3. Request for payment of an outstanding amount CZK 500 ekonto KOMPLET allows for a permitted overdraft. It will provide you with a safe financial reserve without any conclusion or maintenance fees. If the reserve is used, it is repaid automatically with every credit transaction on your Account. 21

Web: www.rb.cz Email: info@rb.cz Free NONSTOP Infoline: 800 900 900 PI-2-2016-08-01