Interest rates - Giro accounts

Giro account Personal Account of Ceska sporitelna without Saving plan, ABSOLVENT Personal Account of Ceska sporitelna without Saving plan and Student Personal Account of Ceska sporitelna without Saving plan

Validity: 16.5.2011

Currency: CZK

Credit balance

0.01 %

Giro account Personal Account of Ceska sporitelna with Saving plan, ABSOLVENT Personal Account of Ceska sporitelna with Saving plan, Student Personal Account of Ceska sporitelna with Saving plan and Junior Personal Account of Ceska sporitelna with Saving plan

Validity: 16.5.2011

Currency: CZK

Part of the credit balance up to CZK 49999.99	Part of the credit balance from CZK 50000 to CZK 99999.99	Part of the credit balance from CZK 100000 to CZK 249999.99	Part of the credit balance from CZK 250000 to CZK 499999.99	Part of the credit balance from CZK 500000 and higher
1.50 %	0.20 %	0.25 %	0.35 %	0.45 %

Giro Account Junior Personal Account of Ceska sporitelna without Saving plan

Validity: 31.10.2009

Currency: CZK

Part of the credit balance up to CZK 19999.99	Part of the credit balance from CZK 20000 to CZK 34999.99	Part of the credit balance from CZK 35000 and higher
2.50 %	2.00 %	0.01 %

Giro account - Exclusive Account 4)

Credit balance

Validity: 10.9.2010

Currency: CZK

< 100000,-	≥ 100000,- < 250000,-	≥ 250000,- < 500000,-	≥ 500000,- < 1000000,-	≥ 1000000,- < 5000000,-	≥ 5000000,-
0.01 %	0.35 %	0.45 %	1.00 %	1.05 %	1.15 %

Giro account - Comprehensive Program 1)

Validity: 1.2.2009

Currency: CZK

Credit balance

0.01 %

Giro account - X Account *3)

Validity: 1.2.2009

Currency: CZK

Part of the credit balance up to CZK 9999.99	Part of the credit balance from CZK 10000 to CZK 19999.99	Part of the credit balance from CZK 20000 and higher
2.00 %	1.80 %	0.01 %

*) Also applies to accounts referred to as Xtra Account opened on or before 30.9.2006.

Giro account

Validity: 1.2.2009

Currency: CZK

Credit balance

0.01 %

Giro account Program Student+ 2)

Validity: 1.2.2009

Currency: CZK

Credit balance

0.01 %

¹⁾ no longer established from 8.8.2007
²⁾ no longer established from 2.2.2009
³⁾ no longer established from 31.10.2009
⁴⁾ no longer established from 1.7.2011

Unauthorised debit balance

Validity: 16.5.2011

Currency: CZK

- On the Giro account Personal Account of Ceska sporitelna, ABSOLVENT Personal Account of Ceska sporitelna, Student Personal Account of Ceska sporitelna and Junior Personal Account of Ceska sporitelna, the Exclusive Account giro account, the Comprehensive Program giro account, the X konto giro account**), the Benefit Program giro account, the Senior giro account, giro account and the Program Student+ giro account

Interest rate

ČNB's REPO + 7% p.a.

**) Also applies to accounts referred to as Xtra Account opened on or before 30.9.2006.

Note: For payment accounts maintained in accordance with the Act on Payments, interest rates on credit balances are:
announced (all giro accounts)