Deposit and loan products in CZK and foreign currencies for commercial clients

Current account

Validity: 1.12.2011

Currency	Credit interest rate
CZK	0.10 %
AUD	0.50 %
CAD	0.05 %
CHF	0.02 %
DKK	0.50 %
EUR	0.05 %
GBP	0.05 %
HRK	0.20 %
HUF	0.50 %
ISK	1.00 %
JPY	0.00 %
LTL	0.10 %
NOK	0.20 %
NZD	0.50 %
PLN	0.50 %
RON	1.00 %
RUB	0.50 %
SEK	0.05 %
TRY	5.00 %
USD	0.05 %
ZAR	1.00 %

Account for Lawyer Custody

Validity: 1.12.2011

Currency	Band	Credit interest rate
CZK	< 5000000	0.40 %
CZK	> 5000000	0.60 %
EUR		0.30 %
USD		0.10 %

Interest equal to the base rate + 11% is applied in the case of an unauthorized debit balance.

Deposit accounts in CZK

Validity: 1.10.2011

Currency: CZK

	< 100000,-	≥ 100000,- < 250000,-	≥ 250000,- < 500000,-	≥ 500000,- < 1000000,-	≥ 1000000,-
7 days	0.10 %	0.10 %	0.10 %	0.15 %	0.15 %
14 days	0.10 %	0.10 %	0.15 %	0.15 %	0.15 %
1 month	0.15 %	0.15 %	0.20 %	0.25 %	0.25 %
2 months	0.15 %	0.15 %	0.20 %	0.25 %	0.25 %
3 months	0.25 %	0.25 %	0.30 %	0.30 %	0.35 %
4 months	0.25 %	0.25 %	0.30 %	0.30 %	0.35 %
5 months	0.30 %	0.30 %	0.35 %	0.35 %	0.40 %
6 months	0.30 %	0.35 %	0.35 %	0.40 %	0.45 %
7 months	0.30 %	0.35 %	0.35 %	0.40 %	0.45 %
8 months	0.30 %	0.35 %	0.40 %	0.40 %	0.45 %
9 months	0.35 %	0.40 %	0.45 %	0.50 %	0.55 %
10 months	0.40 %	0.50 %	0.55 %	0.60 %	0.65 %
11 months	0.40 %	0.55 %	0.60 %	0.65 %	0.70 %
12 months	0.55 %	0.60 %	0.70 %	0.75 %	0.80 %
24 months	1.05 %	1.10 %	1.15 %	1.15 %	1.15 %
36 months	1.10 %	1.15 %	1.10 %	1.20 %	1.20 %
48 months	1.40 %	1.45 %	1.50 %	1.50 %	1.50 %

Interest rates for deposits higher than CZK 5 million are determined individually.
Withdrawals from a deposit account outside the determined withdrawal period are subject to a sanction fee:

Sanction fee = withdrawn amount x 2.00 % x number of days to the deposit account maturity / 360
The minimum sanction fee is 0.50 % of the withdrawn amount

Deposit accounts in foreign currency (EUR)

Validity: 1.2.2012

Currency: EUR

	< 10000,-	≥ 10000,- < 50000,-	≥ 50000,- ≤ 100000,-
7 days	0.05 %	0.05 %	0.05 %
14 days	0.05 %	0.05 %	0.05 %
1 months	0.05 %	0.05 %	0.05 %
3 months	0.20 %	0.30 %	0.40 %
6 months	0.50 %	0.60 %	0.70 %
12 months	0.85 %	0.95 %	1.05 %
24 months	0.85 %	0.95 %	1.05 %

Deposit accounts in foreign currency (USD)

Validity: 1.2.2012

Currency: USD

	< 14000,-	≥ 14000,- < 70000,-	≥ 70000,- ≤ 135000,-
7 days	0.05 %	0.05 %	0.05 %
14 days	0.05 %	0.05 %	0.05 %
1 month	0.05 %	0.05 %	0.05 %
3 months	0.05 %	0.10 %	0.20 %
6 months	0.20 %	0.30 %	0.40 %
12 months	0.55 %	0.65 %	0.75 %
24 months	0.20 %	0.30 %	0.40 %

Deposit accounts in foreign currency (GBP)

Validity: 1.2.2012

Currency: GBP

	< 8000,-	≥ 8000,- < 40000,-	≥ 40000,- ≤ 90000,-
7 days	0.05 %	0.05 %	0.05 %
14 days	0.05 %	0.05 %	0.05 %
1 month	0.05 %	0.05 %	0.05 %
3 months	0.15 %	0.20 %	0.30 %
6 months	0.40 %	0.50 %	0.60 %
12 months	0.90 %	1.00 %	1.10 %
24 months	0.85 %	0.95 %	1.05 %

Interest rates for deposits higher than EUR 100 thousand or equivalent in other free convertible currencies and for deposits in currencies not included on the list are determined individually.

Withdrawals from a deposit account outside the determined withdrawal period are subject to a sanction fee:

Sanction fee = withdrawn amount x 2.00 % x number of days to the deposit account maturity / 360
The minimum sanction fee is 0.50 % of the withdrawn amount

Overdraft and term loans

Validity: 1.3.2009

Currency	Base rate for commercial clients	Base interest rate of Česká spořitelna
CZK	6.30 %	6.30 %
AUD	9.35 %	-
CAD	5.65 %	-
CHF	4.90 %	-
EUR	6.80 %	-
GBP	7.55 %	-
JPY	3.25 %	-
NOK	8.15 %	-
SEK	6.90 %	-
USD	5.10 %	-

The interest rate is determined as fixed, variable or as a variation from the base rate.
A default interest equal to the base rate + 11 % is charged in the case of defaulted repayment of overdraft or term loans.
A default interest of 11 % is charged in addition to the agreed interest rate if the overdraft loan limit is exceeded.

Real estate and mortgage loans

Mortgage loan K, supplementary loan (provided until 31.5.2001)

The interest rate is determined individually as fixed for 1 year or 5 years.

Mortgage loan for corporate financing of real estates, building loan, investment loan for corporate financing of real estates

In the case of the annuity method of loan repayment the interest rate is determined individually as fixed for a certain period of time (at least for 1 year); in the case of loan repayment according to a repayment schedule the interest rate is determined individually as fixed or variable.

Loans arising from the Visa Business charge card

Validity: 11.7.2006

1. Loan drawn by means of a charge card according to a contract concluded on or after 1.10.2004:	Interest rate
a) With the total outstanding amount paid by the due date	0.00 %
b) With the total outstanding amount not paid by the due date	25.00 %

Validity: 11.7.2006

Loan drawn by means of a charge card according to a contract concluded on or before 30.9.2004:	Interest rate
a) With the total outstanding amount paid by the due date	0.00 %
b) With the total outstanding amount not paid by the due date, but paid at the latest within 1 month of the due date	12.50 %
c) With the total outstanding amount not paid within 1 month of the due date	25.00 %

Loans arising from the Visa Gold charge card

Validity: 11.7.2006

Loan drawn by means of a charge card according to a contract concluded on or after 1.10.2004:	Interest rate
a) With the total outstanding amount paid by the due date	0.00 %
b) With the total outstanding amount not paid by the due date	25.00 %

Validity: 11.7.2006

Loan drawn by means of a charge card according to a contract concluded on or before 30.9.2004:	Interest rate
a) With the total outstanding amount paid by the due date	0.00 %
b) With the total outstanding amount not paid by the due date, but paid at the latest within 1 month of the due date	12.50 %
c) With the total outstanding amount not paid within 1 month of the due date	25.00 %