Cool CardCharges

	Česká spořitelna Cool Card	Česká spořitelna Penzijní karta**)
Issue/change of credit limit	free of charge	free of charge
Change from Kredit+ credit card	free of charge	x
Cancellation	free of charge	free of charge

	Česká spořitelna Cool Card	Česká spoořitelna Penzijní karta**)
Lowest price guarantee	free of charge	x
Purchase protection in the event of damage or theft	free of charge	x
Round-the-clock account access via direct banking (upon request)	free of charge	free of charge
Issue of monthly account statements	free of charge	free of charge
Bonus remitted to the Pension Fund of Česká spořitelna *)	x	free of charge

*)

	Česká spořitelna Cool Card	Česká spořitelna Penzijní karta**)
Basic card	199	x
Gallery card – selection from the image gallery	349	x
Own card – own image on card	349	x
Gold card – card with prestigious appearance	899	x
International embossed MasterCard Issue/Use – Annual Fee	x	349 *)

the same fee for supplementary card is charged
*)

	Česká spořitelna Coll Card - standard price	Česká spořitelna Cool Card - price for students	Česká spořitelna Penzijní karta**)
Band I: 0 up to 1 service	19	0	x
Band II: 2 up to 3 services	49	30	x
Band III: 4 up to 5 services	69	50	x
Band IV: 6 up to 7 services	89	70	x
Card account administration and maintenance – monthly fee

In case the number of agreed services changes, a fee according to the applicable band valid as of the last day of the accounting cycle in which the change has been made is charged. Fees for students: Band I free of charge, other bands: CZK 19 discount

Optional services - Česká spořitelna Cool Card:

• Sphere discount program: Instant discount from 5 to 30% when paying with the Česká spořitelna Cool Card at retailers participating in the Sphere discount programme in the Czech and Slovak Republic.
• Extended goods guarantee: Extended legal guarantee on goods purchased with the Česká spořitelna Cool Card by 1 year in addition to the guarantee period provided by the seller.   
• Česká spořitelna Cool Card bonus remitted to the Pension Fund of Česká spořitelna: The bonus for paying with the Česká spořitelna Cool Card bonus may be remitted to selected supplementary pension insurance account maintained by the Pension Fund of Česká spořitelna: a CZK 10 bonus for every CZK 1,000 paid with the Cool Card.
• Česká spořitelna Cool Card bonus remitted to the Building society of Česká spořitelna*): The bonus for paying with the Česká spořitelna Cool Card bonus may be remitted to selected supplementary building saving account maintained by the Building society of Česká spořitelna: a CZK 10 bonus for every CZK 1,000 paid with the Cool Card.
• Bonus program: Points for paying with the Česká spořitelna Cool Card bonus and their exchange for special rewards: 1 point for every CZK 15 paid with the Cool Card.
• Used card for free : If the total volume of payment card transactions for the year (which must be cleared before the last day of the accounting cycle preceding the date on which the annual fee for card issue/use is charged) reaches CZK 36,000 (Basic Cards) or CZK 60,000 (cards with design chosen from our gallery or cards with individual design) or CZK 150,000 (Gold Cards), such card´s maintenence/use in that year is for free.
• Balance SMS: Information on the card account balance in the form of text messages sent to a mobile phone.
• Repayment holidays: The option of postponing repayments by up to 2 months in each calendar year. Interests and fees accrued during repayment holidays will be charged along with the next regularly scheduled Total Minimum Payment

*) service available from 15th January 2012

	Česká spořitelna Cool Card, Česká spořitelna Penzijní karta**)
Repayment of whole amount – automatic setting of 100% collection of the total drawn amount – monthly fee	29
Insurance	see Optional insurance to international cards

	Česká spořitelna Cool Card, Česká spořitelna Penzijní karta**)
Card loan – withdrawal of funds in cash or non-cash transfer	290
Transfer of card to Česká spořitelna – repayment of liabilities arising from withdrawals from a credit card of another issuer by the Česká spořitelna Cool Card	2.97% from the refinanced amount
Instalment programmes - funds withdrawal	free of charge
Instalment programmes - early termination fee	500

P10 (insurance cover up to CZK 10,000)	170
P30 (insurance cover up to CZK 30,000)	320
P60 (insurance cover up to CZK 60,000)	480
P90 (insurance cover up to CZK 90.000) *)	780

*) for Česká spořitelna Penzijní karta**) product available as of 15 November 2010

Types of insurance A – incapacity for work, disability, death	0.49% from the outstanding amount at the end of the accounting cycle
Types of insurance B – incapacity for work, disability, death, job loss	0.89% from the outstanding amount at the end of the accounting cycle

	ATM of Česká spořitelna	ATM of other bank
Account balance query at ATMs	free of charge	20
Card transaction limit inquiry at ATMs	free of charge	x
PIN change at ATMs of Česká spořitelna, a.s.	6	x

	Via SERVIS 24 Internetbanking	By mail	At the branch to be collected in person
Regular statement	free of charge	free of charge + postage	45
Extraordinary statement upon the client's request	x	30 + postage	x

	At the branch, via SERVIS 24 Telebanking, via Infoline ČS	Via SERVIS 24 Internetbanking
Card locking/unlocking	30	6
Changing card transaction limits	30	6

Blocking execution upon client´s request	free of charge
Blocking recall	free of charge

Issue of duplicate card with limited validity abroad (Emergency Card)	3,000
Payment of emergency cash advance abroad (Emergency Cash Advance)	3,000

Your own special card – placing image (design) on debit payment card	190
Resending of PIN by registered letter with personal delivery – for all card types	100
Resending of PIN by registered letter with personal delivery – for all card types   electronic embossed when agreeing a Sphere Card Bonus Program to the Cool Card of Česká spořitelna when terminating the Sphere Card Bonus Program or changing card image (design) to the Cool Card of Česká spořitelna	200
Agreement of a loan for the maturity of a Kredit­+ and charge card	free of charge
Card account administration and maintenance for Kredit+ and charge cards	free of charge

**) Since 1st October 2011 change of naming from Česká spořitelna Cool card Plus to Česká spořitelna Penzijní karta. No change in parameters and rules for card´s usage.

• 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

	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