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SEPA

SEPA Direct Debit is a non-cash transfer in EUR currency which is instigated by the Creditor. Execution of SEPA Direct Debit follows after signing of an agreement between the debtor and the creditor on such payment method, the so-called SEPA Direct Debit Mandate.

SEPA Direct Debit can be performed only to the debit or the credit of accounts belonging to the clients of the banks that agreed to execute the SEPA direct debits (list of these banks is available on the Bank’s website). The Bank carries out all the types of the SEPA direct debits (schemes B2B, CORE and COR1).

Execution of SEPA Direct Debits on the Debtor´s accounts

Direct debit schemes CORE and COR1 can be executed on the debtor´s accounts within two regimes – Individual Direct Debit Approval or within the regime of General Direct Debit Approval. Client will select one of the options which will be subsequently valid for all SEPA direct debits that will be executed on the account. Client can administer the selection of regime through electronic banking services (Business 24) or by raising request at any point of sale within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Business and Corporate Clients.

If the regime of Individual Direct Debit Approval is selected the clients have to set up the Approval for every direct debit on their account (similar to direct debits in Czech crowns).

If the regime of General Direct Debit Approval is selected the Bank will execute the direct debit whereas the client does not need to set up in the Bank individual approval for the companies. In such case the client can also create the list of restricted companies whom the client will not allow to perform SEPA direct debits whatsoever from the client´s account. When executing a direct debit the Bank will take this list into consideration and will not perform it for the benefit of a company stated on this list. Client will identify such companies by stating their Creditor identifier (CID). The client can administer the list of companies through electronic banking services (Business 24) or by raising request at any point of sale within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Business and Corporate Clients.

In case of B2B direct debits the client must always set up individual SEPA Direct Debit Approvals with the Bank. The B2B scheme of direct debit can be executed only for the client – legal entity.

SEPA Direct Debit Approval can be set up, changed or cancelled at a point of sale or through electronic banking services (BUSINESS 24) within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Business and Corporate Clients.

Client – debtor can reject any direct debit (regardless of the direct debit scheme or selected regime for direct debit execution) before its due date, and that is at any point of sale or through electronic banking services (BUSINESS 24) within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a. s. ON PAYMENT SERVICES Business and Corporate Clients. If such command is delivered to the Bank within the time limit stipulated by these conditions direct debit will not be executed on the account of the client - debtor.

Execution of SEPA Direct Debits on the Creditor´s accounts

The Bank is authorised to provide the client – creditor the possibility to enter SEPA direct debit orders only under the contract for this service which regulates conditions for submission of orders.

The client – creditor has to fill in the SEPA Direct Debit Order with all the mandatory details. If the order is submitted within import of the batch, the instruction must be handed over in valid format which is supported by the Bank. In addition the client – creditor has to submit orders and perform related tasks in accordance with rules stipulated by the currently valid documents regulating the execution of SEPA direct debits that are published by the European Payment Council.

The SEPA Direct Debit Order can be entered to the BUSINESS 24 Internet Banking and in the MultiCash system. Within the BUSINESS 24 Databanking service the entry is available only within the batch. The client can also submit the order in writing at a point of sale. The order must be handed over to the Bank within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a. s. ON PAYMENT SERVICES Business and Corporate Clients. Unless the debtor or the debtor´s bank rejects the SEPA direct debit, the payment will be credited to the client´s account on the due date.

Based on the individual agreement with the Bank, the client – creditor is authorised to cancel the SEPA direct debit order (the so-called Request for Cancellation) before its due date or also ask for returning the payment executed as a result of the SEPA direct debit to the debtor (the so-called Reversal). Command for cancellation or reversal can be submitted through any point of sale. The Bank is not responsible for executing the cancellation of the SEPA Direct Debit Order in the debtor´s bank.

The Bank is entitled to debit the funds amounting to the credited payment that was made upon the SEPA direct debit and also to debit the fees charged by the debtor´s bank from the account of the client – creditor if the Bank obtains from the debtor´s bank the request for the so-called Return of SEPA direct debit within the following time limits
                    a) for the CORE and COR1 schemes of direct debit within five working days from the moment of crediting the payment to the account of the client-creditor
                    b) for the B2B scheme of direct debit within two working days from the moment of crediting the payment to the account of the client-creditor

The Bank is entitled to debit the funds amounting to the credited payment that was made upon the SEPA direct debit schemes CORE and COR1, and also to debit the fees charged by the debtor´s bank from the account of the client – creditor if the Bank obtains from the debtor´s bank the request for returning the amount (the so-called Refund) of the authorised SEPA direct debit, without stating the reason, within 8 weeks from the moment of crediting the payment to the account of the client – creditor.

The Bank is entitled to debit the funds amounting to the credited payment that was made upon the SEPA direct debit schemes CORE and COR1, and also to debit the fees charged by the debtor´s bank from the account of the client – creditor if the Bank obtains from the debtor´s bank the request for returning the amount (the so-called Refund) of the not authorised SEPA direct debit within 13 months from the moment of crediting the payment to the client´s account.

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