Financial transactions

• in Czech currency and
• in foreign currency made within the bank

	SERVIS 24 Internetbanking, Telebanking - atutomated voice service, GSM banking, Mobile bank, PLATBA 24, other direct banking services	SERVIS 24 Telebanking - telephone banker	ATM/Payment terminal CS	Collection box	Mail	Bank counter
Payment order acceptance	2*)	15	6	15 - standard form	15 - standard form	15 - standard form
				40 - non-standard form	40 - non-standard form	40 - non-standard form
Execution of expedited payment order	x	125	x	x	x	125
Acceptance processing of payment order immediately after receipt	x	x	x	x	x	55

*) for Internetové spoření České spořitelny one payment order acceptance through direct banking via SERVIS 24 Internetbanking in a month free of charge. Fee for second and other additinal payment order in a month is CZK 65

	SERVIS 24 Internetbanking, Telebanking - automated voice serivce, GSM banking, Mobile bank	ATM of Česká spořitelna	Bank counter	Point of sale
Payment by card	x	x	x	free of charge
Mobile phone charging	2	free of charge	x	x
Cash payment order - B postal order	x	x	15 + fee according to the pricelist of the Czech Post	x

	Direct banking	Bank counter
Set-up	free of charge	free of charge
Change or cancellation upon the client´s request	free of charge	free of charge
Execution (entry)	5	5

Incoming non-cash payment (per entry)	5
Clearing of interbank payment through the CNB clearing cente	2

Free of charge for X konto, Xtra konto accounts founded till 30th September 2006 and for Šikovné spoření České spořitelny, Šikovné spoření České spořitelny Plus and Internetové spoření České spořitelny

	ATM of Česká spořitelna	Bank counter
In accounts maintained by ČS	6	free of charge
Deposit of coins in CZK up to 100 pieces of each denomination *)	x	free of charge
Deposit of coins in CZK 101 pieces and more of each denomination *)	x	2%, minimum 125
Made at the bank counter by a third party (the depositor is neither the owner nor the person authorised to dispose of the account, in favour of which cash is deposited)	x	65
In accounts maintained by other banks in the CR**) (does not apply to deposits made in favour of accounts maintained by subsidiary companies of Česká spořitelna, a.s.)	40	2%, minimum 125

*) the number of coins  is added up within one business day and an additional fee is charged for unsorted  coins - CZK 75 per each 15min

**) does not apply to deposits made in favour of accounts maintained by subsidiary companies of Česká spořitelna, a.s. If cash is not sorted and not adjusted in compliance with the act No 136/2011, an additional fee CZK 75 per each 15 min is charged

	ATM of Česká spořitelna	ATM of other bank / cash advance (in Czech Republic)	ATM of ERSTE GROUP *)	ATM of other bank / cash advance (abroad)	Bank counter	Point of sale
By card	6	40	6	125	x	x
By a document	x	x	x	x	65	x
Cash back	x	x	x	x	x	6

*)Erste Bank Austria, Slovenská sporiteľňa, Erste Bank Croatia, Erste Bank Hungary, Erste Bank Serbia, Erste Bank Ukraine, Banca Comerciala Romania, BCR Chissinau Moldova

Replacement of bank notes or coins in CZK  up to 100 pieces of each denomination *)	free of charge
Replacement of bank notes or coins in CZK 101 pieces and more of each denomination *)	2%, minimum 125

*) the number of coins and bank notes is added up within one business day and an additional fee is charged for unsorted bank notes - 75 CZK  for every 15 commenced minutes

CZK deposits	1%, minimum 40
Foreign currency bank note deposit up to equivalent 500,000 CZK	free of charge
Foreign currency bank note deposit above equivalent 500,000 CZK	0,15% from deposited amount + conceivable fee for deposit of coins
Deposit of coins in EUR (EUR 1, EUR 2 nominal value)	20%, minimum 125
Deposit of foreign currency bank notes within preclusion deadline	20%, minimum 125

CZK withdrawals	2%, minimum 40
Foreign currency withdrawals	0,15%, minimum 40

Payment to an account of a client of Slovenská spořitelna, a.s. *)	50
Surcharge for urgent/express payment within D+0	500
Surcharge on PRIEURO payment within 4 hours (Payments in EUR)	750

*) the payment order must contain valid identification code(BIC) of the recipient’s bank.

payment in EUR  to an account of a client of an ERSTE GROUP (FIT Payment) Note: The payment order must contain valid identification code(BIC) of the recipient’s bank. cross-border transfer *) SEPA transfer up to and incl. 50,000 EUR *)	220
SEPA transfer exceeding 50,000 EUR *)  Other payments in EUR to EU/EHP	1%, minimum 220 maximum 1,500
Surcharge for urgent/express payment within D+0	500
Surcharge on PRIEURO payment within 4 hours (Payments in EUR)	750

*) C ross-border transfer / SEPA credit transfer – a transfer in EUR within European Economic Area (EEA) up to 50 000 EUR (limit valid for cross/border transfer only), containing a valid beneficiary bank BIC, IBAN of a beneficiary account, with charging option SHA and without any specific instruction.

Other payments abroad and payments to domestic banks in foreign currency	1%, minimum 220 maximum 1,500
Surcharge for urgent payment within D+1	250
Surcharge for urgent payment within D+1	500

Surcharge for the processing of a payment order accepted in writing	200

Set-up, change or cancellation of standing order abroad	free of charge

Foreign payment confirmation (issued upon the payee’s request)	100
Changed instructions or cancellation of non-executed payment order	free of charge
Changed instructions, cancellation or additional information of executed payment order abroad	500 + foreign bank charges

Payment from Slovenská spořitelna, a.s.	free of charge
Payment in EUR from a client of an ERSTE GROUP cross-border transfer *) SEPA transfer up to and incl. 50,000 EUR *)	100
Direct Deposit of U.S. Federal Benefits from the Bank of New York	100
Other payments from abroad or from domestic banks in foreign currency with SHA and BEN disposal and SEPA transfers exceeding 50,000 EUR	1%, minimum 100 maximum 950
Query on advised payment upon the request of the client of Česká spořitelna, a.s. based on foreign payee's document	200 + foreign bank charges

*) C ross-border transfer / SEPA credit transfer – a transfer in EUR within European Economic Area (EEA) up to 50 000 EUR (limit valid for cross-border transfer only), containing a valid beneficiary bank BIC, IBAN of a beneficiary account, with charging option SHA and without any specific instruction.

Notice of non-executed payment orders *)	10 (+ postage when sent to the client's address)
Confirmation on deposit of funds in account/account balance processed upon the client’s request	500 + 20% VAT
Non-executed cash withdrawal notified in advance	500

*) the price is not collected from non-xecuted foreign payment orders.

For foreign currency accounts prices are shown in CZK but they are collected in respective foreign currency equivalent. A price which corresponds to its maximum/minimum amount or a fixed price is converted against the rate of the Czech National Bank valid on the fee maturity/charge date. Prices charged as a percentage rate are converted against the trading rate of ČS, a.s. valid on the transaction maturity/fee charge date.

Apart from the fees for services specified in the List of Charges, also other expenses (e.g. expenses of other banks and institutions) are charged. The fees are paid in cash during the provision of services or debited to the applicable account, however, such fees shall be settled not later than upon account closing and/or at the end of the year. Upon request, Česká spořitelna shall issue a receipt for fees paid in cash.

Additional fees charged for services provided by Česká spořitelna, a.s. are detailed in other parts of the List of Charges.

In exceptional cases, the bank may provide a discount from the specified fee.

This List of Charges shall become valid as of 1 May 2012 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 25 April 2012

Ing. Jiří Škorvaga CSc., in his own hand Member of the Board of Directors  and Deputy General Director

Martin Techman, in his own hand Director of the Business Development Division