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Service Charge Listof Slovenská sporiteľňa, a. s.

Valid from July 1, 2011

Part A) For IndividualsFor the purpose of this part of Slovenská sporiteľňa a.s.’Service Charge List, an individual is a natural person other thanan entrepreneur (hereinafter referred to as the "Client“)

For more information, call sporotel linesporotel 0850 111 888 or 0910 111 888

Joint-Stock CompanyTomášikova 48832 37 Bratislava

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TABLE OF CONTENTS

I. Products and Services Currently on Sale by Slovenská sporiteľňa 4

1) Current Accounts 4a) Personal Accountb) SPOROgiro - Standard Type of Current Account

2) Products and Services Offer: 6a) for Young Peopleb) for Beneficiaries of Various Pension Allowances

3) Payment System – Non-cash Payment Transactions 7a) Domestic Payment Systemb) Foreign Payment System

4) Payment System – Cash Operations: Cash-desk and Currency Exchange Ones 10a) Cash Deposits and Cash Withdrawalsb) Other Cash-Desk Services

5) Debit Cards 11

a) Electronic Payment Cardsb) Embossed Payment Cardsc) Fees for Using Debit Cards

6) Credit Cards 15Revolving Credit Cards

7) Saving Products 16Passbooks and Deposit Accounts

8) iXtra Programm for Youth 17a) Card iXtra – Prepaid Card for Youthb) iXtra Bonus – Passbook for Youthc) iXtra Life Junior – Life Insurance for Youth

9) Loans 19a) Housing Loansb) Consumer Loans for Whatever c) Permitted Overdraft Loans on Current Accounts

10) Electronic Banking 22a) Internetbanking, Telephonebanking, Electronic Service Package on Mobile Phone and Mailbankingb) Administration of Security Objects: - Password, GRID and EOK for Electronic Banking Services

11) Safe-Deposit Boxes 23



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12) Securities 25

a) Securities Trading - with Slovak and Foreign Securitiesb) Securities Holder`s Account (Property Account) - Slovak Securitiesc) Custodian Services to Foreign Securitiesd) Securities Transfer e) Other Services Related with Securitiesf) Associated Account

13) Other Services 27

II. Subsidiaries‘ Products and Services Sold in Slovenská sporiteľňa‘s Branches: 28

14) Mutual Funds 28

15) Leasing Services 28

16) Life Insurance 28

III. Existing Products and Services No Longer being Sold by Slovenská sporiteľňa: 29

17) Product and Service Packages 29

18) Current Accounts 30a) SPOROgiro

b) Výpisy - pozastavené služby

19) Saving products 29a) Passbooks and Deposit Certificatesb) Term Deposits (Deposit Accounts), Rent saving

20) Debit Card: EURO<26 VISA Electron 33

21) SPOROprofit Account and SPOROprofit Card 34

22) Credit and Charge Cards 35

a) Revolving Credit Cards - Electronicb) Charge Card - Diners Club International

23) Loans 37a) Social Loans for Real Property and Loans to Newly Married Couplesb) Loans for 1st and 2nd Round of Voucher Privatizationc) Overdraft Loan – SPOROgiro + (Personal Loan)d) Loan Insurancee) Mortgage Loanf) American Mortgage Loan

24) Safekeeping 40

IV. Disbursement of Anonymous Deposits 41

V. Fee Setting Principles 42



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The SLSP recommends:Personal Account represents a complex set of most frequently used bank products and services beingdesigned for private individuals. You may carry out unlimited number of transactions and still you willpay the same price for this package.

In addition, you will be remunarated by Slovenska sporiteľňa for each transaction carried out with thePayment Card. As much you pay, that much you will receive!

2/ Out of aggregate payments booked to Account as stipulated within Business Terms for Product and ServicePackages - Private individuals.

3/ In case of fulfilling conditions as stipulated within Business Terms for Product and Service Packages - Privateindividuals.

Account maitenance in domestic currency (EUR) Account Statement Issuance in Monhtly and Higher Frequency a its:a) Dispatching by Post within Slovak republic or,b) Sending Electronically through Mailbanking serviceEstablishment of unlimited number of Standing Payment Orders andDirect Debits in Branches or via Electronic ServicesChange or Cancellation of Standing Payment Orders and Direct Debitsvia Electronic Services

€ 2.06 monthly € 0.00

€ 0.00

€ 0.50

PRODUCTS AND SERVICES INCLUDED IN THE PRICE OFTHE PERSONAL ACCOUNT

STANDARDFEE RATE

Unlimited Number of Non-cash Deposits to Account - Crediting FundsUnlimited Number of Number of Executed Standing Payment Orders /Direct Debits (Domestic Payment System) and SEPA Direct DebitUnlimited Number of Established and Executed One-off PaymentOrders via Electronic Services (Domestic Payment System)Unlimited Number of Non-cash Payments with Payment Card for Goodsand ServicesUnlimited Number of Payments in EUR currency within EEA coutriesrealized via Electronic ServicesUnlimited Number of Cash Withdrawals realised by Payment Cardin ATMs of Slovenská sporiteľňa and ATMs of ERSTE Group 1/ Abroad

€ 0.15 per transaction






InternetbankingTelephonebanking

Mailbanking: E-mail Statement and E-mail notificationElectronic Service Package on Mobile Phone: Mobilbanking, SMS Banking,

€ 1.00 monthly per Account € 0.00

€ 0.00 € 1.00 monthly per Account

One Electronic Payment Card (as Preffered) to one Account Holder -card issuance and card renewal:

- VISA Electron / Maestro

INPRICE

€ 8.00 yearly

I. Products and services Currently on Sale by Slovenská sporiteľňa

1) Current Accounts

a) Personal Account

Granting and Administration of a Permitted Overdraft Loanto Current Account € 0.00

Reward Bonus for Payment Card usage representing 0.5 % of volume 2/

Monthly maintenance fee will not be charged, if average daily balance on Accountwas higher than EUR 10,000 in respective month 3/

Monthly maintenance fee for Personal Account € 4.90

1/ Banks of the ERSTE Group: Austria – Erste Bank der Österreichischen Sparkassen AG; NiederösterreichischeSparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AGInnsbruck; Hungary – Erste Bank Hungary NYRT.; Czech republic – Česká spořitelna, a.s.; Croatia – Erste &Steiermärkische d.d.; Romania – Banca Comercială Română S.A.; Serbia – Erste Bank Serbia, a.d.; Ukraine – Erste Bank Ukraine; Montenegro – Erste Bank AD Podgorica; Moldova – Banca Comerciala Romana Chisinau; Bosna& Hercegovina – Sparkasse Bank dd Bosna i Hercegovina; Republic of Macedonia – Sparkasse Bank Makedonija AD Skopje.

T r a n s a c t i o n s

C u r r e n t A c c o u n t

C a r d

E x t r a

L o a n

E B

S e

r v i c e s

B l i ž š i e k v á m



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FEES FOR USING ACCOUNTS Rate

Account Opening € 0.00

Account Maintenance € 2.06 monthly

Change in Operating an Account € 1.66

a Account Cancellation € 0.00

FEES FOR ACCOUNT STATEMENTS Rate Account Statement Issuance in Monthly or Higher Frequency and its: € 0.00a) Dispatching by Post within Slovak republic or,b) Sending Electronically through Mailbanking service

Account Statement Issuance and its Dispatching by Post Abroad € 0.30 + postage charge

Additional Account Statement Issuance or Issuance of a Statement in another Frequency (Daily or Weekly) and its Dispatching by Post within Slovak republic € 0.30 + postage charge

Account Statement Issuance of Turnover Accruals in Branch € 1.00 per page

Duplicate Account Statement Issuance (copy of statement) € 1.00 per page

Statement Delivery through a Safe-deposit Box € 0.50 + VAT

(monthly fee) Price incl.VAT: € 0.60

b) SPOROgiro - Standard Type of Current Account:



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Account Opening Fee € 0.00 € 0.00 € 0.00 Account Maintenance Fee € 0.00 € 0.30 monthly € 2.06 monthlyChange in Operating an Account € 0.00 € 0.00 € 1.66

C / A

Establishment and Administration of PermittedOverdraft Loan - € 0.00 € 0.00 L

o a n

Establishing and Providing Services: IB= € 1.00 monthlyInternetbanking (IB) and Telephonebanking (TB) € 0.00 € 0.00 TB=€ 0.00 monthlyElectronic Service Packages on Mobile Phone:Mobilbanking, SMSbanking, SMS notification;SMS key / per each Client or Authorized Person € 0.00 € 0.00 € 1.00 monthlyMailbanking: E-mail Statement and E-mail notification € 0.00 € 0.00 € 0.00

FEES FOR HANDLING A CURRENT ACCOUNT 1/ SPOROgiro SPOROgiro Standard type of University Student EURO<26 Current Account

E B S e r v i c e s

Non-cash Deposit to Account - Crediting Funds to Account € 0.00 € 0.00 € 0.15Establishment of Standing Payment Order / Direct Debit € 0.00 € 0.00 € 0.00Execution of Unlimited Number of Standing PaymentOrders, Direct Debits (domestic payment system)and SEPA Direct Debits € 0.00 € 0.00 € 0.15Change or Cancellation of Standing Payment Order / SPO = € 0.50

Direct Debit via Electronic Services € 0.00 € 0.00 DD = € 0.50Change or Cancellation of Standing Payment Order / SPO = € 1.00Direct Debit in Branch € 0.00 € 1.00 DD = € 1.00Establishment and Execution of One-off Payment Order via Electronic Services (domestic payment system) € 0.00 € 0.00 € 0.15Unlimited Number of Payments in EUR currencywithin EEA coutries realized via Electronic Services € 0.00 € 0.00 € 0.15

T r a n s a

c t i o n s

Fee for VISA Electron Payment Card € 0.00 € 0.00 € 8.00 ročneVýber hotovosti Platobnou kartou v bankomateSlovenskej sporiteľne a skupiny ERSTE 2/ (v zahraničí) € 0.00 € 0.00 € 0.15Bezhotovostná platba kartou za tovar a služby € 0.00 € 0.00 € 0.15

C a r d

2) Products and Services Offer

a) For Young People:

1/ Other Services not included in this table are standardly charged in condordance with particular parts of thisService Charge List.

2/ Banks of the ERSTE Group: Austria – Erste Bank der Österreichischen Sparkassen AG; NiederösterreichischeSparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AGInnsbruck; Hungary – Erste Bank Hungary NYRT.; Czech republic – Česká spořitelna, a.s.; Croatia – Erste &Steiermärkische d.d.; Romania – Banca Comercială Română S.A.; Serbia – Erste Bank Serbia, a.d.; Ukraine – Erste Bank Ukraine; Montenegro – Erste Bank AD Podgorica; Moldova – Banca Comerciala Romana Chisinau; Bosna& Hercegovina – Sparkasse Bank dd Bosna i Hercegovina; Republic of Macedonia – Sparkasse Bank Makedonija AD Skopje.



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POPLATKY ZA POUŽÍVANIE ÚČTU 1/ SPOROgiro Standard type of Senior Current Account

b) For Beneficiaries of Various Pension Allowances:

Account Opening Fee € 0.00 € 0.0 Account Maintenance Fee € 1.00 monthly € 2.06 monthly C

/ A

Establishment and Administration of PermittedOverdraft Loan € 0.00 € 0.00 L

o a n

Issuance and renewal of VISA ElectronPayment Card € 0.00 € 8.00 yearly C

a r d

1/ Other Services not included in this table are standardly charged in condordance with particular parts of thisService Charge List.



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The SLSP recommends:By establishing standing payment orders and direct debits you may pay rent, telephone, electricity, gas,cable pay television bills and other services, and doing so will bring you several advantages. You nolonger have to think every month of paying all invoices on time, as the bank will do it reliably for you.Standing Payment Orders and Direct Debits are established free of charge in our bank.

In addition, you will save till € 1.05 on each payment in comparison with a payment made in a bankbranch.

3) Payment System – Non-Cash Payment Transactions

a) Domestic Payment System

DOMESTIC PAYMENT SYSTEMFEE ITEM Rate

Non-cash Deposit to Account - Crediting Funds to Account € 0.15

Execution of a Standing Payment Order / Direct Debit € 0.15

Automated Transfer of Means to Deposit Account € 0.15

Processing of Return Payment Request € 3.00

Method of Execution via Electronic Services in Branch

FEE ITEM Rate RateEstablishment and Execution of an One-off Payment Order € 0.15 € 1.20

Establishment of Direct Debit € 0.00 € 0.00

Urgent Payment € 2.00 € 3.00

Establishment of Standing Payment Order / Direct Debit € 0.00 € 0.00

Change or Cancellation of Standing Payment Order / Direct Debit € 0.50 € 1.00

Cancellation of a Standing Payment Order and a Direct Debit

with Fixed Number of Repetitions / Amount of Payments or the

Termination Day is different to Termination Day stated in the

Request for Termination Form € 1.00 € 1.00

Processing of an Item Received in a File throughHB / IB File Transfer € 0.15 -




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b) Foreign Payment System

a)For the purpose of the Service Charge List, a Cross-border Transfer in EUR to EEA Countries is a cross-border transfer to a member state of the European Economic Area and Switzerland in the currency EUR in the amount of up to EUR 50,000 with a payment instruction containing a correct BIC-SWIFT code of the Payee’s bank , a correctIBAN (International Bank Account Number), and payment condition SHA if it meets these specified requirementsfor a cross-border transfer to members states of the European Economic Area.EEA countries (European Economic Area): Austria, Belgium, Bulgaria, Cyprus, Czech republic, Denmark, Esto-nia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxem-bourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Spain, Sweden and United Kingdom.

b)The fee for a transfer within the ERSTE Group applies to transfers with a correctly stated BIC-SWIFT code of the beneficiary’s bank. In the case of transfers to the Czech Republic, the fee applies to transfers with a correct-ly stated BIC-SWIFT code of Česká spořitelna, a.s. or with a correctly stated international bank number of of thePayee’s account (IBAN). Transfers without a BIC-SWIFT code or with an incorrect BIC-SWIFT code of thePayee’s bank will be subject to the fee applicable to other transfers. Transfers to Česká spořitelna, a.s. without aBIC-SWIFT code or with an incorrect BIC-SWIFT code of the beneficiary’s bank, and with the Payee’sstandard-formatted account number, or transfers with an incorrect beneficiary’s international bank account

number (IBAN) will be subject to the fee applicable to other transfers.Banks of the ERSTE Group: Austria - Erste Bank der Österreichischen Sparkassen AG; NiederösterreichischeSparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Inns-bruck; Hungary - Erste Bank Hungary NYRT.; Czech republic - Česká spořitelna, a.s.; Croatia - Erste&Steier-märkische d.d.; Romania - Banca Comercială Română S.A.; Serbia - Erste Bank Serbia, a.d..

c)In the case of a transfer with condition OUR, the expenses of the foreign or local bank will be debited againstthe remitter‘s account on the same day the transfer amount is debited – if the bank knows the expenses inadvance, or later in the amount of the actual expenses charged by the relevant bank. This fee, which isconsidered as a foreign bank fee, will be charged according to the official Bank Exchange Rate List valid in timethe transfer remittance is carried out, or according to an Individual Exchange Rate set by the Bank, or accordingto a reciprocally agreed Exchange Rate between the Bank and the Client.

The SLSP recommends:It is always advantageous to make a payment order for a Cross-border Transfer in EUR to EEAcountries throughelectronic services. Transfers in euros up to EUR 50,000 to any country of the European Economic Area can bemade on advantageous conditions if the following details are stated in the payment order: beneficiary’s bank BIC-SWIFT code, correct international bank account number (IBAN), payment condition SHA.. Transfers to ErsteGroup banks can be cheaper, if you state the Payee’s bank BIC-SWIFT code in the payment instruction.Moreover, if the transfer within Erste Group fulfils all the requirements for a Cross-border Transfer in EUR to EEAcountries, you can pay only € 0.15 via Electronic services or € 1.20 in Branch.

FOREIGN PAYMENT SYSTEM

Incoming transfers: Rate

Non cash deposit to Account € 0.15

Outgoing transfers: Rate

via Electronic services in Branch

Cross-border Transfer in EUR currency to EEA countriesa) € 0.15 € 1.20

Urgent Cross-border Transfer in EUR currency to EEA countries € 2.00 € 3.00

Transfer within ERSTE Groupb) € 5.00 € 15.00

Cross - border Transfer in EUR and in foreign currency from

Slovakia and in foreign currency within Slovakiac)

up to 2,000 EUR € 10.00 € 20.00

above 2,000.01 EUR € 20.00 € 30.00

Surcharge to Urgent transfer € 50.00

Surcharge to Transfer with Payment Condition OUR c) see next page

Execution of SEPA Direct Debit € 0.15

Other fees: Rate

Changing, specifying or cancelling a Stop Cheque Payment transfer € 16.60 + foreign bank’s fees

Written information on transfer € 16.60

Written information on crediting a transfer to the Payee's

Account in a foreign bank and verification of a foreign transfer € 10.00 + foreign bank’s fees




Aufzahlung für OUR-ZahlungLAND DER EMPFÄNGERBANK EUR-ZAHLUNGEN

Betrag: bis zu 12 500 EUR 12 500 - 50 000 EUR über 50 000 EURTarif Tarif Tarif

Australien zugunsten von Kundender National Australia Bank 3,00 EUR 3,00 EUR 3,00 EUR Australien zugunsten von Drittkunden 9,50 EUR 9,50 EUR 9,50 EUR

Benelux (Belgien, Niederlande, Luxemburg) 2,50 EUR 10,00 EUR 40,00 EUR

Tschechische Republik 9,00 EUR 9,00 EUR 9,00 EUR

Frankreich 3,50 EUR 4,00 EUR 15,00 EUR

Ungarn 9,00 EUR 9,00 EUR 9,00 EUR

Deutschland 2,20 EUR 8,00 EUR 10,00 EURÖsterreich 3,00 EUR 10,00 EUR 10,00 EUR

Rumänien: zugunsten von Kundender Banca Comerciala Romana S.A. 9,00 EUR 9,00 EUR 9,00 EURRumänien: zugunsten von Drittkunden 15,00 EUR 15,00 EUR 15,00 EUR

Kroatien: zugunsten von Kundender Erste & Steiermärkische Bank d.d. 9,00 EUR 9,00 EUR 9,00 EURKroatien: zugunsten von Drittkunden 15,00 EUR 15,00 EUR 15,00 EURSlowenien 10,00 EUR 10,00 EUR 20,00 EURSpanien 2,00 EUR 6,00 EUR 10,00 EUR

Schweiz 2,40 EUR 2,40 EUR 2,40 EUR

Italien 2,40 EUR 2,40 EUR 2,40 EUR

Grossbritanien 6,50 EUR 6,50 EUR 6,50 EUR

Sonstige Länder 7,00 EUR 16,00 EUR 25,00 EUR

SONSTIGE ZAHLUNGEN Tarif HUF- Zahlungen nach Ungarn 9,00 EUR

RON - Zahlungen nach Rumänien

- zugunsten von Kunden der Banca Comerciala Romana S.A. 9,00 EUR

- zugunsten von Drittkunden 15,00 EUR

GBP - Zahlungen nach Großbritanien 4,00 GBP

CHF- Zahlungen in die Schweiz 3,90 CHF (bzw. Gegenwert in EUR)

CAD - Zahlungen nach Kanada 7,00 CAD (bzw. Gegenwert in EUR)

PLN - Zahlungen nach Polen 10,00 PLN (bzw. Gegenwert in EUR)SEK - Zahlungen nach Schweden 45,00 SEK (bzw. Gegenwert in EUR)

CZK - Zahlungen in die Tschechische Republik:

- zugunsten von Kunden der Česka spořitelna, a.s. 0,00 CZK

- zugunsten von Fremdbankkunden 250,00 CZK

HRK - Zahlungen zugunsten von Erste & Steiermärkische Bank d.d. 15,00 EUR

USD - Zahlungen:

- zugunsten von US-Bankkunden 0,20 USD

- zugunsten von Kunden sonstiger Banken 9,00 USD

Zahlungen nach Australien:- in AUD zugunsten von Kunden der National Australia Bank 5,00 AUD

- in AUD zugunsten von Drittkunden 15,00 AUDZahlungen ausgenommen EUR/USD in sonstige Länder:- bis zu 12 500 EUR (bzw. Gegenwert) 15,00 EUR- von 12 500 - 50 000 EUR (bzw. Gegenwert) 30,00 EUR- über 50 000 EUR (bzw. Gegenwert) 50,00 EUR

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4) Zahlungsverkehr – Bargeldtransaktionen: Kassen- und Wechselgeschäft

a) Bareinzahlungen und –abhebungen

BAREINZAHLUNGEN UND –ABHEBUNGEN In der Geschäftsstelle

GEBÜHR Tarif

Bareinzahlung aufs Konto geführt in der Bank 0,45 €

Barabhebung 1/ 1,90 €

b) Sonstige Kassendienstleistungen

Kassen- und Wechseldienstleistungen Banknoten Münzen

Behandlung von Münzen bei Bargeldeinzahlung / -abhebung 1/

a) Nennwert: 0,01 EUR; 0,02 EUR; 0,05 EUR - 0,20 € für jede ange-fangene 100-Packung

b) Nennwert: 0,10 EUR; 0,20 EUR; 0,50 EUR, 1 EUR, 2 EUR - 1,00 € für jede ange-fangene 100-Packung

Umtausch von Banknoten und Münzen verschiedener Nennwertedie vom Kunden der Bank vorgelegt bzw. von der Bank 0,01 € pro Stück; 0,01 € pro Stück;dem Kunden übergeben wurden 2/ Mindestens 0,60 € Mindestens 0,60 €

Bearbeitung beschädigter EUR- Banknoten 1,60 € / Banknote -

Ankauf von seltenen FW-Banknoten; sowie proklusiven Banknote 30 % vom Bankno-

tenwert min.1,30 € -

An- und Verkauf von Devisen laut Kursblatt der Slovenská sporiteľňa 0,00 €

Geldwechsel (Währung gegen Währung) - Konversion 0,00 €

Nichtausführung der avisierten Barabhebung 0,1 % von betrags

1/ Die ersten 100 Münzstücke mit höchstem Nominalwert innerhalb eines Tages sind gebührenfrei.

2/ Die Gebührenberechnung geht von der Überlegenheit von vorgelegten bzw. abgegebenen Banknoten oder Münzen aus.

1/ Die Abhebung in einer nach Kundenantrag vordefinierten Struktur der Münzen / Banknoten unterliegt auch einer Gebühr für Umtausch von Banknoten und Münzen.

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Surcharge to Transfer with Payment Condition OUR

COUNTRY OF PAYEE`s BANK PAYMENTS in EURPayment volume: up to EUR 12,500 EUR 12,500 - 50,000 above EUR 5,000

Rate Rate Rate Australia for account of The National Australia Bank EUR 3.00 EUR 3.00 EUR 3.00

Australia for account of the third party client`s EUR 9.50 EUR 9.50 EUR 9.50

Benelux (Belgium, Netherlands, Luxembourg) EUR 2.50 EUR 10.00 EUR 40.00

Czech republic EUR 9.00 EUR 9.00 EUR 9.00

France EUR 3.50 EUR 4.00 EUR 15.00

Hungary EUR 9.00 EUR 9.00 EUR 9.00

Germany EUR 2.20 EUR 8.00 EUR 10.00

Austria EUR 3.00 EUR 10.00 EUR 10.00

Romania:- for account of Banca Comerciala Romana S.A. EUR 9.00 EUR 9.00 EUR 9.00Romania:- for account of other banks in Romania EUR 15.00 EUR 15.00 EUR 15.00

Croatia:- for account of Erste & Steiermärkische Bank d.d. EUR 9.00 EUR 9.00 EUR 9.00Croatia:- for account of other banks in Croatia EUR 15.00 EUR 15.00 EUR 15.00

Slovenia EUR 10.00 EUR 10.00 EUR 20.00

Spain EUR 2.00 EUR 6.00 EUR 10.00Switzerland EUR 2.40 EUR 2.40 EUR 2.40

Italy EUR 2.50 EUR 13.50 EUR 75.00United Kingdom EUR 6.50 EUR 6.50 EUR 6.50

Other countries EUR 7.00 EUR 16.00 EUR 25.00

OTHER PAYMENTS RatePayments in HUF to Hungary EUR 9.00

Payments in RON to Romania

- for account of Banca Comerciala Romana S.A. EUR 9.00

- v prospech iných bánk EUR 15.00

Payments in GBP to United Kingdom GBP 4.00

Payments in CHF to Switzerland CHF 3.90 (or equivalent in EUR)

Payments in CAD to Canada CAD 7.00 (or equivalent in EUR)

Payments in PLN to Poland PLN 10.00 (or equivalent in EUR)Payments in SEK to Sweden SEK 45.00 (or equivalent in EUR)

Payments in CZK to Czech republic:

- for account of Česká spořitelna, a.s. clients CZK 0.00

- for account of other bank`s clients CZK 250.00Payments in HRK to Croatia HRK 15.00Payments in USD:- for account of a bank to the USA USD 0.20- for account of other banks USD 9.00

Paymnents in AUD:- in AUD for account of National Australia Bank client`s AUD 5.00

- in AUD for account of other bank`s clients AUD 15.00Payments in all currencies except EUR/USD to other countries:- up to EUR 12,500 (or equivalent) EUR 15.00- from EUR 12,500 up to EUR 50,000 (or equivalent) EUR 30.00- above EUR 50,000 (or equivalent) EUR 50.00



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4) Payment System – Cash Transfers: Cash-Desk and Currency-Exchange Ones

a) Cash Deposits and Cash Withdrawals:

CASH DEPOSITS AND CASH WITHDRAWALS in BranchFEE ITEM RateCash Deposit to Account being maintained in Bank € 0.45

Cash Withdrawal 1/: € 1.90

b) Other Cash-Desk Services

CASH-DESK & CURRENCY-EXCHANGE SERVICES BANKNOTES COINSProcessing of coins by depositing / withdrawing cash 1/

a) nominals: 0.01 EUR; 0.02 EUR; 0.05 EUR - € 0.20 for each loaded100 pieces of coins

b) nominals: 0.10 EUR; 0.20 EUR; 0.50 EUR, 1 EUR, 2 EUR - € 1.00 for each loaded100 pieces of coins

Exchanging Banknotes and Coins of Various Nominal Values € 0.01 a piece; 0.01 € a piece;

being Brought in by Client or the Bank Consigned them to Client2/

min. € 0.60 min. € 0.60Processing of Demaged Banknotes in EUR € 1.60 / banknote -Purchase of Foreign-currency Banknotes, which are not Normally 30 % of one banknotePurchased and Banknotes being Withdrawn from Circulation value; min. € 1.30 -

Purchase and Sale of Cash Foreign-currencies, not listed by SLSP € 0.00

Cash foreign currency exchange (two currencies) - conversion € 0.00

Undo a Notified Cash Withdrawal 0,1 % of withdrawn amount

1/ The first 100 pieces of coins with highest nominal value are free of charge within one day.2/ The fundamentals for calculation of this fee is higher number of banknotes / coins (it means brought in or consigned).

1/ Executing a withdrawal in bespoked structure of coins/banknotes according to Client`s request uderlies as wellto disbursement of Exchanging Banknote and Coins Fee.



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5) Debit Cards

a) Electronic Payment Cards

FEE ITEM / CARD TYPE VISA Electron MaestroVISA Electron Sphere

Fee for Payment Card € 8.00 yearly € 8.00 yearlyFee for Express Issuance of Payment Card € 40.00 € 40.00

Fee for Re-issuance of Payment Card in case when itwas lost or stolen € 5.00 € 5.00Change in Payment-Card-Use Conditions of Contract (e.g. limit,re-issuance, etc.) via Electronic Services € 0.70 € 0.70

Change in Payment-Card-Use Conditions of Contract (e.g. limit,re-issuance, etc.) in Branch and Sporotel € 1.80 € 1.80

PIN Code Re-print € 3.50 € 3.50

Client failed to takeover its Payment Card within 90 Days of ProductionDate - -

Additional Services to These Cards:Travel Insurance KOOPERATIVA- Individual Insurance for Card Holder € 12.55 yearly € 12.55 yearly- Family Insurance € 29.94 yearly € 29.94 yearly- Additional Insurance of Family Members € 17.39 yearly € 17.39 yearlyFee for Own Card Service (by each generation of the Own Card) € 5.00 € 5.00



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b) Embossed Payment Cards

FEE ITEM / CARD TYPE VISA Classic MasterCard Mass VISA Gold MasterCard Gold

Fee for Payment Card € 20.00 yearly € 20.00 yearly € 120.00 yearly* € 120.00 yearly*

Fee for Express Issuance of Payment Card € 40.00 € 40.00 € 40.00 € 40.00

Fee for Re-issuance of Payment Card

in case when it was lost or stolen € 5.00 € 5.00 € 5.00 € 5.00Change in Payment-Card-Use Conditionsof Contract (e.g. limit, re-issuance, etc.)via Electronic Services € 0.70 € 0.70 € 0.70 € 0.70

Change in Payment-Card-Use Conditionsof Contract (e.g. limit, re-issuance, etc.)in Branch and Sporotel € 1.80 € 1.80 € 1.80 € 1.80

PIN Code Re-print € 3.50 € 3.50 € 3.50 € 3.50

Client failed to takeover its PaymentCard within 90 Days of Production Date - - € 14.00 € 14.00

Additonal Services to These Cards

Travel insurance KOOPERATIVA- individual insurance for Card Holder € 21.91 yearly € 21.91 yearly in the card price in the card price- family insurance € 47.97 yearly € 47.97 yearly - -- additional insurance of family members € 26.06 yearly € 26.06 yearly € 30.31 yearly € 30.31 yearlyIAPA (VISA ) / ECI (MasterCard)membership € 99.58 yearly € 99.58 yearly in the card price in the card priceFee for Own Card Service(by each generation of the Own Card) € 5.00 € 5.00 - -

* Fee for Payment Card consists of following two components: the payment instrument fee including IAPAMembership (VISA) and ECI Membership (MasterCard) totalizing € 92.98 and the Individual Travel Insurance for Card Holder amounting € 27.02. Both fees are charged separately by the Bank as two self-existent fee items.



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c) Fees for Using Debit Cards

Cash Withdrawal from ATM by Payment Card:

Cash Withdrawal from POS Terminal or Imprinter in Bank, other Bank or by Shop:

Non-cash Payment for Goods and Services:

Cash back Service:

FEE ITEM / PLACE OF MAKING ATM of ATM of ATM of Other Bank in Slovakia ATM of THE TRANSACTION Slovenská ERSTE Gr.. 1/ and ATM in EEA Country by Other Bank

sporiteľňa (Abroad) Euro Currency Withdrawal 2/ Abroad

Fee for Cash Withdrawal with PaymentCard from ATM € 0.15 € 0.15 € 1.30 € 5.00Cross-border Conversion Fee for Maestro 0.16 % 0.16 %Card and MasterCard Holders 3/

- of transaction - of transaction

1/

Banks of the ERSTE Group: Austria – Erste Bank der Österreichischen Sparkassen AG; NiederösterreichischeSparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AGInnsbruck; Hungary – Erste Bank Hungary NYRT.; Czech republic – Česká spořitelna, a.s.; Croatia – Erste &Steiermärkische d.d.; Romania – Banca Comercială Română S.A.; Serbia – Erste Bank Serbia, a.d.; Ukraine –Erste Bank Ukraine; Montenegro – Erste Bank AD Podgorica; Moldova – Banca Comerciala Romana Chisinau; Bosna &Hercegovina – Sparkasse Bank dd Bosna i Hercegovina; Republic of Macedonia – Sparkasse Bank Makedonija AD Skopje.

2/ Withdrawal of Euro Currency in EEA (European Economic Area) Countries = Austria, Belgium, Bulgaria,Cyprus, Czech republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy,Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovenia,Spain, Sweden and United Kingdom.

3/ By transactions being performed in Euro currency in EEA Countries, the Cross-border Conversion Fee for Maestro Card and MasterCard Holders will not be charged.

FEE ITEM / PLACE OF MAKING In Slovakia and in EEA CountryTHE TRANSACTION by Euro Currency Withdrawal 2/ Abroad

Fee for Cash Withdrawal with Payment Cardfrom POS terminal or Imprinter € 2.00 € 9.00Cross-border Conversion Fee for Maestro Card 0.16 %

and MasterCard Holders3/

- of transaction

FEE ITEM / PLACE OF MAKING THE TRANSACTION In Slovakia Abroad

Fee for Non-cash Payment with Payment Card for Goods and Services (POS) € 0.15 € 0.15

Cross-border Conversion Fee for Maestro Card and MasterCard Holders 3/ - 0.16 % of transaction

FEE ITEM / PLACE OF MAKING THE TRANSACTION In Slovakia Abroad

Fee for using Cash back Service (per each cash withdrawal) € 0.10 -



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The SLSP recommends:Do you wish to save on fees for cash withdrawals? We recommend to use payment cards in Slovenskásporiteľňa’s ATMs. Each such withdrawal can save you as much as € 1.75 in comparison with an in-branchwithdrawal, and € 1.15 in comparison with a withdrawal from other bank’s ATM in Slovakia (ZBK). Slovenskásporiteľňa has the most extensive ATM network in Slovakia.

When staying in countries, where ERSTE Group banks operate, withdraw cash from ATMs marked with anERSTE logo. By doing so you will save a minimum of € 4.85 per each cash withdrawal.

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Displaying of Account Balance at ATM:

FEE ITEM / PLACE OF MAKING ATM of ATM of THE TRANSACTION Slovenská ERSTE Group

1/ ATM of Other Bank in ATM of Other sporiteľňa (Abroad) Slovakia Bank Abroad

Fee for displaying Account Balanceat ATM`s € 0.00 € 0.30 € 0.30 € 0.30

PIN Change at ATM*:

FEE ITEM / PLACE OF MAKING ATM of ATM of

THE TRANSACTION Slovenská ERSTE Group

1/

ATM of Other Bank in ATM of Other sporiteľňa (Abroad) Slovakia Bank Abroad

Fee for Changing PIN at ATM`s € 2.00 € 2.00 € 2.00 € 2.00

* Fee item valid after service implementation.



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6) Credit Cards

Revolving Credit Cards

FEE ITEM / CARD TYPE VISA Classic VISA Classic VISA GoldElectronic Embossed Embossed

Fee for Credit Card € 15.00 yearly € 25.00 yearly € 50.00 yearly € 0.00 yearly* € 0.00 yearly*

Fee for Additional Credit Card € 6.00 € 6.00 € 6.00

Fee for Re-issuance of Credit Card in casewhen it was lost or stolen € 5.00 € 5.00 € 5.00Card Account Maintenance Fee in the card price in the card price in the card price

Change in Credit-Card-Use Contractual Conditionsin the Bank Branch (particularly the Change of Total Card Limit) € 0.00 € 0.00 € 0.00Fee for Exceeding the Total Card Limit € 10.00 € 10.00 € 10.00

PIN Code Re-print € 3.50 € 3.50 € 3.50

Fee for Sending a Reminder

(1st, 2nd, 3rd Reminder) € 10.00 € 10.00 € 10.00Statements in the card price in the card price in the card price

Sending a Duplicate Statement € 0.00 € 0.00 € 0.00

Establishment of Direct Debit Service used for One-off Credit Card`sLoan Repayment € 5.00 € 5.00 € 5.00Fee for Cash Repayment to Card Account € 2.50 € 2.50 € 2.50

Credit Card Use:

a) Non-cash Payment for Goods and Services € 0.00 € 0.00 € 0.00

b) Cash Withdrawal from ATM € 5.00 € 5.00 € 5.00

c) Cash Withdrawal from POS Terminal in Bank,Other Bank or in Shop € 9.00 € 9.00 € 9.00

d) Changing PIN at ATM`s 1/ € 2.00 € 2.00 € 2.00Additional services to these cards:

Provision of Emergency Cash for Credit CardHolder being Abroad (by Lost or Stolen Card) - - € 130.00Provision of Emergency Credit Card for Holder being Abroad (by Lost or Stolen Card) - - € 165.00

1/ Fee item valid after service implementation.

* Refunding of yearly Fee for the Main Credit Card is conditioned by fulfilment of all provisions being set withinthe document “Publication to Credit Cards” in part Loyalty Program Rules for Credit Cards.



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7) Saving Products

Passbooks and Deposit Accounts

POPLATOK / PRODUKT Capital SPORObonus Saving to Term DepositPassbook 1/ Personal Short-term Deposit

in EUR Account (Deposit account)

Opening € 0.00 € 0.00 € 0.00 € 0.00

Cancellation € 6.65 / € 0.00* € 6.65 / € 0.00* € 0.00 € 0.00

Change € 3.50 € 3.32 € 0.00 € 0.00

1/ Since September 1, 2009 Slovenská sportiteľňa, a.s. carried out modifications in denomination of selected products.

These fees are valid also for SPORObook Capital product being used up to August 31, 2009.

* The fee is waived if the client keeps the balance of the deposit on a newly opened Passbook.

FEE ITEM / PRODUCT Capital Passbook SPORObonusin EUR /1

Establishing an interdiction on payoutsupon the client`s request € 3.50 € 3.50

Payout of deposit from lost, destroyed or stolen passbook without passbook invalid.proceedings under a special regulation € 6.65 € 6.65Starting passbook invalidation proceeding 2 % of invalidated deposit volume; 2 % of invalidated deposit vol.;process min. € 6.65 min. € 6.65

max. € 33.00 max. € 33.00Issuance of a replacement passbookif damaged by client € 3.50 € 3.50

1/ Since September 1, 2009 Slovenská sportiteľňa, a.s. carried out modifications in denomination of selected products.These fees are valid also for SPORObook Capital product being used up to August 31, 2009.

FEES FOR STATEMENTS TO DEPOSIT ACCOUNTS RateStatement Issuance and Sending per Post for Each Envelope within Slovak republik € 0.00

Statement Issuance of Turnover Accruals in Branch € 1.00 per page

Duplicate Account Statement (copy of statement) € 1.00 per page


(monthly fee) Price incl. VAT: 0.60 €



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FEE ITEM / CARD TYPE Card iXtra

Purchase of Card iXtra with a Credit of EUR 10.00 € 13.50

Purchase of Card iXtra with a Credit of EUR 10.00 to the Holder of iXtra bonusProduct or Holder of iXtra life junior Insurance Product € 10.00

Express Delivery of Card iXtra € 40.00

Renewal of Card iXtra after Expiration € 3.50

Fee for Re-issuance of Card iXtra in case when it was lost or stolen € 5.00

PIN Code Re-print € 3.50

Change of Card Limit € 1.80

Card iXtra charging

Non-cash Charging of Card iXtra € 0.00

Cash Charging of Card iXtra in Branch € 0.45

Card iXtra Using

Non-cash Payment Realised at Merchants in the Slovak republic and Abroad € 0.00

Cash Withdrawal from ATM of Slovenská sporiteľňa and ERSTE Group1/ Abroad € 0.00

Cash Withdrawal from ATM of Other Bank in Slovakia and Cash Withdrawal from ATM in EEA Country in Euro Currency2/ € 1.30Cash Withdrawal Realised Abroad from ATM of Other Banks € 5.00

Displaying Account Balance at ATM`s of SLSP € 0.00

Displaying Account Balance at ATM`s of Other Bank in Slovakia and Abroad € 0.30

Changing PIN code at ATM`s* € 2.00

Statements to Card iXtra Account Statement Issuance in Monthly or Higher Frequency and its: € 0.00

a) Dispatching by Post within Slovak republic or,b) Sending Electronically through Mailbanking service

Internetbanking

Fee for Use of Internetbanking Service € 0.00

1/ Banks of the ERSTE Group: Austria – Erste Bank der Österreichischen Sparkassen AG; NiederösterreichischeSparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AGInnsbruck; Hungary – Erste Bank Hungary NYRT.; Czech republic – Česká spořitelna, a.s.; Croatia – Erste &Steiermärkische d.d.; Romania – Banca Comercială Română S.A.; Serbia – Erste Bank Serbia, a.d.; Ukraine –Erste Bank Ukraine; Montenegro – Erste Bank AD Podgorica; Moldova – Banca Comerciala Romana Chisinau; Bosna &Hercegovina – Sparkasse Bank dd Bosna i Hercegovina; Republic of Macedonia – Sparkasse Bank Makedonija AD Skopje.

2/

Withdrawal of Euro Currency in EEA (European Economic Area) Countries = Austria, Belgium, Bulgaria,Cyprus, Czech republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy,Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovenia,Spain, Sweden and United Kingdom.

*Fee item valid after service implementation.

8) Programm for youth *

a) Card iXtra - Prepaid Card for Youth



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b) iXtra Bonus – Passbook for Youth

FEE ITEM / PRODUCT iXtra Bonus

Opening € 0.00

Cancellation € 6.65 / € 0.00*

Change at Passbook € 3.50

Establishing an Interdiction on Payouts upon the Client’s Request € 3.50

Payout if Deposit from a Lost, Destryed or Stolen Passbook without PassbookInvalidation Proceedings under a Special Regulation € 6.65

Starting Passbook Invalidation Proceeding Process 2 % of invalidated deposit volume;min. € 6.65, max. € 33.00

Issuance of a Replacement Passbook if Damaged by Client € 3.50

* The fee is waived if the client keeps the balance of the deposit on a newly opened Passbook.

c) iXtra life junior – Life Insurance for Youth

The product is free of charge.

* These fees are valid also for products included in Xtra programm for youth (it means: Xtra card,Xtra bonus a Xtra life junior).



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* NOTES: - To these loans are refering also fees listed in Part 13) Other Services.- Since September 1, 2009 Slovenská sportiteľňa, a.s. carried out modifications in denomination of

selected products. These fees are valid also for Loan Plus product being used up to August 31, 2009.

1/ For Loans being granted based upon Loan Agreement concluded until January 31, 2006 the following fee will becharged: 4 % of Extraordinary Instalment Amount. For loans with variable or variable advantageous interest

granted upon Loan Agreement between February 1, 2006 and July 1, 2008 the following fee will be charged: € 0.00.2/ Free of Charge by mortgage loans for youth during the 5-year period since loan granting and beginning of

interest-bearing term.

FEE ITEM / LOAN TYPE Housing LoanMortgage Loan for young people

Loan Processing FeeLoan Amount (in EUR) Rate

7,000 - 19,999 ................................................................. € 199.0020,000 - 29,999 ................................................................. € 299.0030,000 - 49,999 ................................................................. € 399.0050,000 - 69,999 ................................................................. € 599.00

70,000 - 99,999 .................................................................. € 799.00100,000 and more ................................................................. € 999.00

Loan Administration Fee € 3.49 monthly

Fee for Early Repayment of Whole Loan Amountor its Part by Extraordinary Instalment 1/, 2/:

a) by Loans with Fixed Interest Rate being repaid1 Month after the End of Fixation Period € 0.00

b) by Loans with Fixed Interest Rate being repaid 2% of Extraordinary Instalment Amount xotherwhile than 1 Month after the End of Fixation Period Number of Days until end of Fixation Period / 360

Fee Charged for Change of Interest Rate Type:

from Variable Interest Rate or Variable Advantageous

Interest Rate to Fixed Interest Rate 2 % of Outstanding Loan BalanceOther fees:

Fee for Loan Instalment Payout in Cash € 2.50

Fee Charged for Changes in Contractual Conditionsand Other Loan Services - Requested by Client € 99.00

Reminders:

Reminder € 25.00

Loan Insurance Fees: 1 person insured

Basic Insurance Package 7.90 % of loaninstalment due / monthly

Basic Insurance Package 10.00 % of loan

instalment due / monthlyComplex Insurance Package 13.50 % of loan

instalment due / monthly

Real Estate Insurance:

Fee - Real Estate Insurance by individual contractual conditions

9) Loans

a) Housing Loans*



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b) Consumer Loans for Whatever *

FEE ITEM / LOAN TYPE Consumer Loan for Whatever 1/

Consumer Loan for Whatever for University Students

Loan Processing FeeLoan Amount (in EUR) Rate

700 - 1,999 ................................................................................... € 39.002,000 - 3,999 ................................................................................... € 79.004,000 - 5,999 ................................................................................. € 119.006,000 - 9,999 ................................................................................. € 169.00

10,000 and more ................................................................................. € 239.00

Loan Administration Fee € 2.99 monthlyFee for Early Repayment of Whole Loan Amountof its Part by an Extraordinary Instalment 2/

a) if Loan Maturity Date is above 1Year 1.00% of Extraordinary Instalment Amount, max. Interest Amount the Client would pay between Loan Repayment

Date and Contractual Loan Maturity Dateb) if Loan Maturity Date is 1Year or less 0.50% of Extraordinary Instalment Amount, max. Interest

Amount the Client would pay between Loan RepaymentDate and Contractual Loan Maturity Date


Fee Charged for Changes in Contractual Conditionsand Other Loan Services - Requested by Client € 39.00

Reminders:Reminder € 25.00

Loan Insurance Fees: 1 person insured

Advanced Insurance Package 3.50 % of loan instalment due/ monthly

Complex Insurance Package 5.50 % of loan instalment due/ monthly

* NOTES: - To these loans are refering also fees listed in Part 13) Other Services.- Since September 1, 2009 Slovenská sportiteľňa, a.s. carried out modifications in denomination of

selected products. These fees are valid also for purpose and non-purpose consumer loan productbeing used up to August 31, 2009.

1/ These fees are also valid for:- Consumer Loan for Whatever for young people- Consumer Loan for Whatever secured by financial means -- Plynoúver (Loan for Gas Connection Purpose)

2/ - Free of charge in case of Loans granted upon Loan Agreements that have been concluded till July 31, 2002.- In case of loans granted upon Loan Agreements that have been concluded between August 1, 2002 and

June 10, 2010 the following fee is applying: 4 % of extraordinary instalment amount, max. 1/2 Client`s Demandto reduce the Total Costs related to Loan.

- Free of charge for Consumer loan for Whatever secured by financial means and granted upon Loan Agreementsthat have been between April 1, 2009 and May 1, 2010.



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c) Permitted Overdraft Loan on Current Account

FEE ITEM / TYPE OF LOAN Rate

Reminders:

Reminder € 10.00



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10) Electronic Banking

a) Internetbanking, Telephonebanking, Electronic Service Package on Mobile Phone andMailbanking

FEES FOR USING SERVICES Rate

Internetbanking € 1.00 monthly per Account 1/

Telephonebanking € 0.00

Electronic Service Package on Mobile Phone: Mobilbanking, SMSbanking (SMSStatement), SMS notification/2, SMS key for each Client / Authorized Person € 1.00 monthlyMailbanking: E-mail Statement and E-mail notification € 0.00

1/ The fee is not applying at cuurent accounts maintained in Foreign Currencies.2/ SMS notification is the new name for SMS courier service.

b) Administration of Security Objects: - Password, GRID, and EOK for Electronic BankingServices

FEES FOR ADMINISTERING SECURITY OBJECTS Rate

Re-issuance of PIN Envelope with Password for Electronic Services € 1.00

Issuance, Re-issuance of GRID Card € 2.00

Activation of a New Electronic Personal Key (EPK) € 80.00EPK Unlocking (6 incorrectly entered PIN`s) € 3.00

EPK Reactivation (by repeated typing of incorrect unlock code) € 15.00

The SLSP recommends:

Using electronic banking is the cheapest, fastest and most comfortable way of making banking transactions. Theaccounting item for executing a one-off payment order via Internetbanking is as little as € 0.15, and is waivedcompletely if the payment is made by a product and service package. For comparison, the fee for the sameservice provided in a bank branch is € 1.20.

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11) Safe – deposit boxes

TYPE OF Type 1 Type 2 Type 3 Type 4 Type 5SAFE-DEPOSIT BOX up to 7,000 cm3 up to 13,000 cm3 up to 25, 000 cm3 up to 45,000 cm3 over 45,000 cm3

Monthly fee 1/ € 1.50 + VAT € 2.00 + VAT € 3.50 + VAT € 5.00 + VAT € 6.50 + VATprice incl. VAT: price incl. VAT: price incl. VAT: price incl. VAT: price incl. VAT:

€ 1.80 € 2.40 € 4.20 € 6.00 € 7.80

1/The client is obliged to pay the monthly fee for using a safe-deposit box also in case when the contract was concludedfor a period shorter than one month. The price for using a safe-deposit box includes also the insurance of clientproperty deposited inside the box. The insurance amount covers a worth of € 25,000 for each safe-deposit box.



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c) Custodian Services to Foreing Securities:

CUSTODY OF FOREINGSECURITIES 1/ Rate

If Portfolio Value does not Exceed EUR 30,000 0.4 % 1/

If Portfolio Value Exceed`s EUR 30,000 € 120.00 + 0.06 %

of volume over EUR 30,000 1/

1/ The fee for Custody of Foreign Securities is the average daily portfolio value calculated from nominal value of bonds and market value of shares in portfolio. Foreign Currency amounts will be re-counted with average course

mean value of SLSP Bid Course and Sale Course for given currency being valid in particular day. The fee is dueas of each January of 15th of calendar year, as for precedent calendar year. The fee includes VAT.

12) Securities

a) Securities Trading - with Slovak and Foreign Securities

PURCHASE / SALE OF SECURITIES BONDS 1/ SHARES 1/

EUR 0.01 - EUR 15,000 0.70 % min. € 25.00 1.00 % min. € 25.00

EUR 15,000.01 - EUR 30,000 € 105.00 + 0.50 % € 150.00 + 0.70 %from volume over EUR 15,000 from volume over EUR 15,000



above EUR 500,000.01 € 900.00 + 0.05 % € 1,730.00 + 0.10 %from volume over EUR 500,000 from volume over EUR 500,000

Change in Order Conditions € 3.00 € 3.00Order Cancellation from Client`s side € 3.00 € 3.00

Fee for Unrealized Order € 3.00 € 3.00

1/ Of Transaction Volume (for Bonds without interest earned).

b) Securities Holder`s Account (Property Account) - Slovak Securities:

PROPERTY ACCOUNT MAINTAINED BYSLOVENSKÁ SPORITEĽŇA Rate

Account Opening Fee and Account Cancellation Fee € 0.00

Account Maintenance Fee 1/ 0.2 % max. € 100.00

Status Statement Issuance Fee € 3.00

1/ Securities Holder`s Account maitenance fee is the average daily portfolio value calculated from nominal value of bonds and market value of shares in portfolio. The fee is due as of each January of 15 th of calendar year, or incase the Account was cancelled during calendar year - the fee is due to day of account cancellation. The feeincludes VAT.



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d) Securities Transfer:

TRANSFER OF SLOVAK SECURITIES 1/ Rate Assignation of Securities (e.g. Heritage) € 20.00 + € 0.03

each piece of SecurityPaid-up Transfer of Securities with Financial Settlement 0.1 % min. € 10.00

max. € 450.00

Other Types of Transfers € 20.00

TRANSFER OF FOREIGN SECURITIES 1/ Rate

Transfer of blocked EBG shares obtained through ESOP Program 15.00 €

Transfer and Assignation of foreign securities being maintained at SLSP € 15.00 paid by Transferor

(if both Property Accounts: Transferor`s & Acquirer`s are administered € 15.00 paid by Acquirer

Transfer and Assignation of Foreing Securities € 65,00

Transfer and Assignation of Foreign Securities being Issued in Countries like:

Hong Kong, Croatia, Romania, Singapore, Turkey € 150,00

1/ The fees are charged for hand-over of “Order for Transfer / Assignation”.

e) Other Services Relating with Securities:

OTHER SERVICES Rate

Registering the Contractual Right of Lien 0.15 % of Receival Amount(min. € 30.00, max. € 2,500.00)

Registration of Change / Cancellation of Contractual Lien € 30.00

Other Services - Unspecified € 5.00 of Each Started15 Minutes of Work

* Additional Surcharge to Standard Fee paid to CSD (Central Securities Depository).

f) Associated Money Account:

ASSOCIATED ACCOUNT Rate

Account Opening Fee and Account Maintenance Fee free of chargePeriodical Issuance and Posting Statement

(monthly / quarterly / binanually / yearly) € 0,30 + postage

Ather Statements and Further Operations / Services related to Account alike by Current Accounts



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13) Other Services

FEES FOR OTHER SERVICES Rate

Other Services not Specified in Service Charge List (for each 15 minutes or part thereof) Provided to Clients € 5.00

ARCHIVED DOCUMENT RETRIEVAL Rate

Retrieval of Documents Archived not Longer than 6 Months € 20.00

Retrieval of Documents Archived Longed than 6 Months € 30.00

PLEDGING FUNDS Rate

Pledging funds to an account (current accounts, deposit accounts, passbooks) € 70.00

Agent's remuneration (fee) OTHER FEES Rate

Sending a Notice to the Tax Office € 0.00 + Postage

Actions before Preparing a Proposal to Start Judicial Proceedings € 7.00

Making a Photocopy of Bank Document or Deed upon Client's Request € 0,20 per page + VATprice incl. VAT: € 0.24 per page

ISSUANCE OF CONFIRMATIONS Rate

Issuance of Confirmation related to the Loan upon Client's Request € 0.00

Issuance of Confirmation related to the Loan upon Request of

Third Party (Taxing Authority, Executors, etc.) € 20.00 + VAT

Issuance of Confirmation related to the: Current Account, Passbook,Term Deposit (Deposit account) and Guaranteed Depositupon Client's Request € 3.50Issuance of Confirmation on Withholding Tax Amount being chargedat Passbooks upon Client's Request € 0.00

Issuance of Confirmation about Remittance of Means from an Accountbeing carried out upon Client's Request € 3.50

PROVISION OF LEGAL INTEROPERATION SERVICES Rate

Bank Expenditures Related to Provision of a Legal Interoperation Request - € 20.00 + VAT- Searching for Ordinary Data price incl. VAT € 24.00Bank Expenditures Related to Provision of a Legal Interoperation Request - € 30.00 + VAT- Searching for Older Data, or Deeds from Central Registry price incl. VAT € 36.00

Bank Expenditures Related to Provision of a Legal Interoperation Request - € 8.00 + VATin electronic form (Searching for Ordinary Data) price incl. VAT € 10.00Bank Expenditures Related to Provision of a Legal Interoperation Request - € 20.00 + VATin electronic form (Searching for Older Data, or Deeds from Central Registry) price incl. VAT € 24.00

FEES FOR PROVIDING BANK INFORMATION Rate

Giving Bank Information upon Client’s Request € 20.00 + VAT(3 Original pieces) price incl. VAT € 24.00Express Surcharge for Giving Bank Information within 24 Hours € 40.00 + VAT

price incl. VAT € 48.00

Bank Information



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15) Leasing Services

The fees are specified in the service charge list of the company Leasing Slovenskej sporiteľne, a.s. Additional info can be obtained in any branch of SLSP, a.s. or at:

Leasing Slovenskej sporiteľne, a. s.Tomášikova 48832 69 Bratislava

Mailing addressTomášikova 48832 69 Bratislava

telephone: 02/486 29444

e-mail: [email protected]://www.leasingslsp.sk

16) Life Insurance

No fees are levied for life insurance products sold in the bank’s branches. Additional info can be obtained in any branch of the bank or at:

Poisťovňa Slovenskej sporiteľne, a.s.Tomášikova 48832 37 Bratislava

Tel.: +421 2 4862 9300Fax: +421 2 4862 7040e-mail: [email protected]://www.pslsp.sk

II. Subsidiaries‘ products and services sold in Slovenská sporiteľňa’sbranches

14) Mutual Funds

The fees are specified in the service charge list of the company Asset Management Slovenskej sporiteľne, práv.spol., a.s.. Additional info can be obtained in any branch of SLSP, a.s. or at:

Asset Management Slovenskej sporiteľne, správ. spol., a. s.Tomášikova 48832 65 Bratislava

Mailing addressTomášikova 48832 65 Bratislava

SPOROtel: 0850 111 888e-mail: [email protected]://www.amslsp.sk



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III. Existing Products and Services No Longer Being Sold by SLSP, a.s.

17) Product and Service PackagesPRODUCTS AND SERVICES INCLUDED Package Package Package Fee for Service notIN THE PRICE OF THE PACKAGE EXTRA EXTRA PLUS EXCLUSIVE Included in Package

Account Opening € 0.00 Account Maintenance € 2.06 monthly

Account Statement Issuance in Monthly or Higher € 0.00Frequency and its:a) Dispatching by Post within Slovak republic or,b) Sending Electronically through Mailbanking service or,c) Personal Takeover by Client RequestEstablishing and Providing Services: Internetbanking (IB), IB = € 1.00 monthlyTelephonebanking (TB) TB = € 0.00 monthlyPackage of Electronic Services on Mobile Phone:Mobilbanking, SMSbanking (SMS Statement), € 1.00 monthlySMS notification, SMS key / for Client or Authorized Person - - per AccountMailbanking: E-mail Statement and E-mail Notification € 0.00Establishment of Standing Payment Order /Direct Debit € 0.00Change or Cancellation of Standing Payment Order / € 0.50Direct Debit via Electronic Services in Branch € 0.50Establishment and Administration of Permitted Overdraft € 0.00Issuance of First GRID Card to Account Holder € 2.00

Discount from Fee for Cash withdrawal by Payment Cardin ATM of Slovenská sporiteľňa and ERSTE Gr.

1/(abroad) - 50 % 100 % € 0.15

Discount from Fee for Cash withdrawal by Payment Card

from Other bank`s ATM in Slovakia and from ATM in EEA

Country in Euro Currency 2/ - - 100 % € 1.30Discount from Fee for Non-cash Payment for Goods andServices by Payment Card 100 % 100 % 100 % € 0.15Discount from Fee for Non-cash Deposit to Account -Crediting Funds to Account 100 % 100 % 100 % € 0.15Discount from Fee for Execution of a Standing PaymentOrder or Direct Debit (domestic payment system)and SEPA Direct Debit - 50 % 100 % € 0.15Discount from Fee for Execution of One-off Payment Order via Electronic Services (domestic payment system) 100 % 100 % 100 % € 0.15Discount from Annual Fee for Issuance of One 100% pendingElectronic Payment Card (VISA Electron or Maestro) to 100 % first 100 % first card validity and

to Account Holder card first year card first year after card renewal € 8.00 yearlyDiscount from Annual Fee for Issuance and Renewal of One Embossed Payment Card (MasterCard Mass or VISAClassic) to Account Holder - Pending Whole Card Validity - 50 % 100 % € 20.00 yearlyDiscount from Annual Fee for Issuance and Renewal of VISA Golds and MasterCard Gold Payment Card for theprice of Additional Services (€ 49.79 yearly) - Pendingwhole Card Validity (if Client does not have issued ananother embossed Payment Card) * - - € 120.00 yearly

Monthly fee for Product and Service Package € 2.30 € 3.62 € 7.28

P r o d u c t s a n d S e r v i c e s

T r a n s a c t i o n s

C a r d s

1/ Banks of the ERSTE Group: list of banks published on page 13.

2/ EEA Countries = list of countries published on page 13.

*Fee for Payment Card is charged in two separate fee items: € 22.77as IAPA / ECI Membership and € 27.02 asTravel Insurance



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18) Current Accounts

a) SPOROgiro

FEE ITEM / PRODUCT TYPE SPOROgiro SPOROgiro in AUD, junior /1 CAD, CHF, SEK and HUF

Account Maintenance € 0.00 monthly € 2.06 monthly

Change in Operating an Account € 0.00 € 1.65

FEES FOR ACCOUNT STATEMENTS SPOROgiro SPOROgiro in AUD, junior /1 CAD, CHF, SEK and HUF

Account Statement Issuance in Monthly or Higher € 0.00 € 0.00

Frequency and its:a) Dispatching by Post within Slovak republic or,b) Sending Electronically through Mailbanking service Additional Account Statement Issuance or Issuance of a Statement in another Frequency (Daily or Weekly) andits Dispatching by Post within Slovak republic € 0.30 + Postage Charge € 0.30 + Postage Charge

Additional Account Statement Issuance upon Client`sRequest € 1.00 per Page € 1.00 per Page

Issuing a Statement of Turnover Accruals in Branch € 1.00 per Page € 1.00 per PageDuplicate Account Statement Issuance (copy of statement) € 1.00 per Page € 1.00 per PageStatement Delivery trough a Safe-deposit Box € 0.50 monthly + VAT € 0.50 monthly + VAT(monthly fee) price incl. VAT: € 0.60 price incl. VAT € 0.60

1/For electronic banking services the Bank is charging same fees as by product SPOROgiro - standard type of current account.

b) Statements - stopped services

SPOROgiro in EUR / in FCY, SPOROgiro junior Rate

Account Statement Issuance and its Personal Takeover in Envelope € 0.00

Personal Takeover of Account Statement by Client Request € 0.00

Additional Account Statement Issuance requested by Client € 1.00per page O

Personal Account RatePersonal Takeover of Acc ount Statement by Client Request € 0.00

iXtra karta Sadzba

Personal Takeover of Account Statement by Client Request € 0.00

Additional Account Statement Issuance requested by Client € 1.00



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19) Saving products

a) Passbooks and Certificates of deposit:

FEE ITEM / TYPE OF PASSBOOK SPORObook without a notice of withdraws, SPORObook Certificate of SPORObook with notice of withdraws, 18 Deposit

Capital Passbook in FCY 1/,SPORObook Ace,

SPORObonus Pension

Cancellation € 6.64 / € 0.00* - -

Change at Passbook /Certificate of Deposit € 3.50 € 3.50 € 3.50

Establishing the interdiction on payoutsupon the owner's request € 3.50 € 3.50 € 3.50Payout of deposit from a lost, destroyedor stolen passbook without invalidationproceedings under a special regulation € 6.65 - -

Starting passbook invalidation proceeding 2% of invalidated 2% of invalidatedprocess deposit volume; deposit volume;

min. € 6.65 min. € 6.65max. € 33.00 - max. € 33.00

Issuance of a replacement passbookif damaged by client € 3.50 - € 3.50

1/ Since September 1, 2009 Slovenská sportiteľňa, a.s. carried out modifications in denomination of selectedproducts. These fees are valid also for SPORObook Capital product being used up to August 31, 2009.

* The fee is waived if the clients:- will keep balance of deposit on a newly opened Passbook,

- hold a SPORObook Ace Passbook,

- hold a SPORObook Passbook with / without a notice of withdraws and are relating to the Amendment No. 10 of

Business Conditions for Passbooks.



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b) Term Deposits (Deposit accounts), Rent saving

FEE ITEM / PRODUCT Term deposit with no possibility of premature Rent savingtermination in EUR; Term deposit in CHF, CAD, HUF

Cancellation € 0.00 € 0.00Early termination € 0.00 50 % of revenues generated for

payouts less income paid out

FEES FOR STATEMENTS TO DEPOSIT ACCOUNTS RateStatement Issuance and Sending per Post for Each Envelope within Slovak € 0.00

Statement Issuance of Turnover Accruals in Branch € 1.00 per page

Duplicate Account Statement (copy of statement) € 1.00 per page


(monthly fee) Price incl. VAT: € 0.60

FEES FOR RENT SAVING PRODUCT STATEMENTS RateStatements posted once per year € 0.00

TERM DEPOSITS (DEPOSIT ACCOUNTS) RateStatement Issuance and its Personal Takeover in Envelope € 0.00

Statements - stopped services

TERM DEPOSITS (DEPOSIT ACCOUNTS) RateElaboration of Account Statement upon Client`s Request 1,00 € per page



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20) Debit Card: EURO<26 VISA Electron

Electronic Payment Card

FEE ITEM / CARD TYPE EURO<26 VISA Electron

Fee for Payment Card € 8.30 yearly *Fee for Express Issuance of Payment Card € 40.00

Fee for Re-issuance of Payment Card in case when it was lost or stolen € 5.00Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.)via Electronic Services € 0.70

Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.)in Branch and Sporotel € 1.80


Client failed to takeover its Payment Card within 90 Days of Production Date € 6.00

Additional Services to These Cards: 2/


Displaying Account Balance at ATM`s of Other Bank in Slovakia and Abroad € 0.30

Changing PIN code at ATM`s 3/ € 2.00

1/ Fee for Payment Card consists of following two components: the payment instrument fee amounting € 1.66and the CKM SYST membership fee amounting € 6.64. Both fees: the Payment instrument fee and theMembership fee are charged separately by the Bank as two self-existent fee items.

2/ Other Fees applied for usage of Payment Card EURO<26 VISA Electron are similar as by Debit Cards and arelisted in part 5c on pages 13 and 14 of this Service Charge List.




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21) SPOROprofit Account and SPOROprofit Card

FEE TYPE / CARD TYPE SPOROprofit Card

Card Issuance and Use to Account Holder € 0.00

Card Issuance and Use to Authorized Person € 5.00

Fee for Express Card Issuance € 40.00

Fee for Card Re-issuance in case it was lost or stolen € 5.00

Change in Card-use Contract Conditions (e.g. limit, operations, etc.) in Branch and Sporotel € 1.80


SPOROprofit Card Use

TRANSACTION TYPE SPOROprofit Card

Cash Withdrawal from Sporiteľňa`s ATM 1/ € 0.15


Changing PIN code at ATM`s 2/ € 2.00

1/ SPOROprofit Card can only be used to make withdrawals from Slovenská sporiteľňa`s ATMs.2/ Fee item valid after service implementation.

On SPOROprofit Account, the SLSP is Charging the Same Fees as by SPOROgiro - Standard Type of Current Account and Other Products and Services Related with Current Accounts.



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22) Credit Cards and Charge Cards

a) Revolving Credit Cards - Electronic

FEE ITEM / CARD TYPE VISA GoldElectronic

Fee for Credit Card € 30.00 / 13.28 €

1/

yearlyFee for Additional Credit Card € 6.00 yearly

Fee for Re-issuance of Credit Card in case when it was lost or stolen € 5.00Card Account Maintenance Fee in the card price

Change in Credit-Card-Use Contractual Conditions in the Bank Branch(particularly the Change of Total Card Limit) € 0.00Fee for Exceeding the Total Card Limit € 10.00

Fee for Sending a Reminder (1st, 2nd, 3rd Reminder) € 10.00


Statements in the card price

Sending a Duplicate Statement € 0.00Establishment of Direct Debit Service used for One-off Credit Card`sLoan Repayment € 5.00Fee for Cash Repayment to Card Account € 2.50

Credit Card Use:a) Non-cash Payment for Goods and Services € 0.00

b) Cash Withdrawal from ATM € 5.00

c) Cash Withdrawal from POS Terminal in Bank, Other Bankor in Shop € 9.00

d) Changing PIN code at ATM`s 2/ € 2.00

Additional services to these cards:

Provision of Emergency Cash for Credit Card Holder being Abroad(if its Credit Card was Lost or Stolen) € 130.00Provision of Emergency Credit Card for Holder being Abroad(if its Credit Card was Lost or Stolen) € 165.00

1/ In Case when Client was Requested to Buy this Product via Direct Mail Containing Pre-approved Credit Card.




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FEE ITEM / CARD TYPE Diners Club International

Fee for Payment Card € 129.00 yearly

One Additional Card issued to the Main Card € 0 yearly

Every Next Additional Card issued to the Main Card € 59.00 yearly

Issuance of Replacement Card (if Lost, Stolen or Damaged)

with the Term and Parameters of the Original Card € 0.00

Blockage of Payment Card € 0.00

Card Limit Change € 0.00

Card Account Maintenance Fee € 0.00

Contractual Penalty (if Slovenská sporiteľňa must collectan amount owed from a pledged amount on card account) 20 % of amount owed

Additional Services:

Comprehensive Travel Insurance in the price of the card

Services when Card is Lost or Stolen in the price of the card

Access to Airport Lounges in the price of the card

AVIS Card in the price of the card

Charge Card Use: Diners Club International

Purchase of Goods and Services € 0.00

Cash Withdrawal from ATM € 1.99 + 2.0 % of

amount withdrawn

Fee for Overdue Payment 2.0 % of amountowed per month

Cash Withdrawal in Branch 4 % of amount withdrawn

b) Charge Card – Diners Club International



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23) Loans

a) Social Loans: - for Real Estate- for Newly Married Couples

b) Loans for 1st and 2nd Round of Voucher Privatization

c) Overdraft Loan– SPOROgiro + (personal loan)

FEE ITEM Rate

Administration fee for loans for 1st and 2nd wave of voucher privatization € 2.99 yearly

FEE ITEM Rate

Free of charge

REMINDERS:

Reminder € 10.00

FEE ITEM Rate


Fee for Changing Contractual Conditions on Client`s Request (caused by client) € 16.60

REMINDERS:

Reminder € 10.00

d) Loan Insurance

HOUSING LOANS Rate

LOAN INSURANCE 2 persons insuredBasic Insurance Package 14.50 % of loan

instalment due / monthly Advanced Insurance Package 16.50 % of loan

instalment due / monthlyComplex Insurance Package 22.00 % of loan

instalment due / monthly

CONSUMER LOANS FOR WHATEVER RateLOAN INSURANCE 2 persons insured

Advanced Insurance Package 6.00 % of loaninstalment due / monthly

Complex Insurance Package 10.50 % of loaninstalment due / monthly



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e) Mortgage Loan *

FEE ITEM / LOAN TYPE Mortgage loan


Fee for Early Repayment of Whole Loan Amountor its Part by Extraordinary Instalment 1/,:

a) by Loans with Fixed Interest Rate being repaid1 Month after the End of Fixation Period € 0.00

b) by Loans with Fixed Interest Rate being repaid 2% of Extraordinary Instalment Amount xotherwhile than 1 Month after the End of Fixation Period Number of Days until end of Fixation Period / 360


from Variable Interest Rate or Variable AdvantageousInterest Rate to Fixed Interest Rate 2 % of Outstanding Loan Balance

Other fees:


Fee Charged for Changes in Contractual Conditions

and Other Loan Services - Requested by Client € 99.00

Reminders:

Reminder € 25.00

* NOTE: To these loans are refering also fees listed in Part 13) Other Services.

1/ For Loans being granted based upon Loan Agreement concluded until January 31, 2006 the following fee willbe charged: 4 % of Extraordinary Instalment Amount. For loans with variable or variable advantageousinterest granted upon Loan Agreement between February 1, 2006 and July 1, 2008 the following fee will becharged: € 0.00.



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e) American Mortgage Loan*

FEE ITEM Rate


Fee for Early Repayment of Whole Loan Amountor its Part by Extraordinary Instalment:

a) by Loans with fixed Interest Rate being repaid1 Month after the End of Fixation Period € 0.00

b) by Loans with Fixed Interest Rate being repaid 2 % of Extraordinary Instalment Amount x Number of Daysotherwhile than 1 Month after the End of Fixation Period until end of Fixation Period/360 max. 4 % of Extraordinary

Instalment Amount, max. 1/2 of Client`s Demand toReduce the Total Costs related to Loan

c) by Loans with Variable Interest Rate € 0.00


from Variable Interest Rate or Variable AdvantageousInterest Rate to Fixed Interest Rate 2 % of Outstanding Loan Balance

Other Fees:


Fee Charged for Changes in Contractual Conditions

and Other Loan Services - Requested by Client € 99.00

Reminders:

Reminder € 25.00

* NOTE: To these loans are refering also fees listed in Part 13) Other Services.



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24) Safekeeping Services

FEE ITEM Rate

Safekeeping of values in sealed bags1/ € 20.00 + VATprice incl. VAT: € 24.00

For client’s each visit when the object of safekeeping is handled price incl. VAT: € 1.00

For deposit safekeeping of documents under a special agreement contractual price + VAT

1/ If the safekeeping lasts less than one year, the fee will be calculated for the proportional number of months. The

depositor will pay the monthly fee even for safekeeping shorter than one month.



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V. Disbursement of Anonymous Deposits

Disbursement of anonymous deposits from State to authorised persons in conformitywith § 879 i) of Civil Code:

FEE ITEM Rate

MF1/ fee - payout of anonymous deposit - Basic fee € 9.96

MF1/ fee - payout of anonymous deposit - Retrieval of documents in Bank`s Central Registry € 26.56

MF1/ fee- payout of anonymous deposit - Settlement of contested client`s claims € 33.19

1/

Ministry of Finance of the Slovak Republic.



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V. Fee Setting Principles

1) A fee for a product and service package is due on the last calendar day of each calendar month. The Bank will debitthe fee against an Account maintained within the service package or will set it off against any of the Client’sreceivables from the Bank. The Bank is not charging this fee per calendar month when Current Account Agreement or Product and Service Package Agreement is terminating. Other services for products included in a product and servicepackage are subject to standard fees as set forth in individual parts of the Service Charge List.

2) An Account maintenance fee and a fee for Account or Deposit Account statement delivery through a locker, fee for using a safe-deposit box, is due on the last calendar day of each calendar month or upon cancellation of the Accountor Deposit Account, whichever comes earlier.Information is provided free of charge to Client according to § 40 and 41 of The Payment Services Law and it is inconcordance with Article 5.5.7 of General Business Conditions.

3) The fee for Payment Card is due:a) on the Payment Card reception day if Client is taking over the Payment Card in Branch, or b) on dispatch day if the Payment Card is delivered via Mail service, or c) the 15th Day in Month corresponding with the expiration month, which is imprinted at Payment Card by first,

resp. second year of Card renewal, or d) as of Day assigned within the transactions statement realized through Payment Card.

The fee for Credit Card and the fee for Additional Credit Card is due as of Day assigned within the transactions sta-tement realized through Credit Card. Charging of this fee is not limited to Card activation or Card usage. In case of

Payment Card / Credit Card Agreement termination, the Bank will calculate aliquot part of unexpended fee for Payment Instrument and thereafter these funds will be credited to Client`s Account.

4) A fee for not collecting a Payment Card within 90 days of its production date is due on the 90th day from the PaymentCard production date.

5) A contractual penalty for breaching a Payment Card Issuance Agreement is due on the day an obligation under thePayment Card Issuance Agreement is breached.

6) The fee for exceeding a permitted Card Limit is due is due on the day the Card Limit is exceeded.

7) The Loan Administration Fee is due on the last calendar day of each calendar month or upon loan repayment, whi-

chever comes sooner.

8) The Loan Processing Fee is due upon signing the loan agreement.

9) The Fee Charged for Changes in Contractual Conditions and Other Loan Services - Requested by Client is due uponsigning the amendment to the loan agreement. The Fee Fee charged for Change of Collateral if the Collateral is aReal Estate is due upon signing the agreement on changing the Collateral.

10) The Fee for Loan Instalment Payout in Cash and the Fee for Early Repayment of Whole Loan Amount or its Part byExtraordinary Instalment is due upon reception of the instalment by the Bank.

11) A fee for executing a foreign or domestic payment transaction is due upon making the bank transaction.

12) A fee for safekeeping valuables in a sealed bag is due upon making the Agreement and thereafter always onJanuary 15 of the calendar year.

13) A fee for services provided to a Client by the Bank as a member of the Central Securities Depository is due upongiving an order by the Client to the Bank.



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Fee Setting Principles (continuation)

14) A fee for providing Electronic Services is due on the last calendar day of each calendar month or on the day theprovision of that Electronic Service is terminated, whichever comes earlier. Per calendar month, when came totermination of Electronic Services Agreement, the Bank is charging the Fee for providing of particular ElectronicServices only in those cases, when this service was provided for entire calendar month.

15) A fee for Electronic Service Package on Mobile Phone is due on the last calendar day of each calendar month or onthe day the last service is terminated within this package. The for Electronic Service Package on Mobile Phone ischarged for each Client / Authorized Person being related to each Account in favour of which these services are pro-vided, regardless of the number of services (one service or all services included within the Package) being providedto Client / Authorized Person. Per calendar month, when came to termination of Electronic Service Package toMobile Phone Agreement, the Bank is charging the Fee for providing of particular Electronic Services only in thosecases, when this service was provided for entire calendar month.

16) A fee for activating a new electronic personal key (EPK), for activating a duplicate EPK, issuing or re-issuing a GRIDcard and for re-issuing a PIN for Electronic Services or other security object is due upon reception of that securityobject by the Client.

17) Fees for other actions taken by the Bank, unspecified in the preceding points, are due immediately upon the Bank’staking the paid-for action; the Bank will debit the fee against the Client’s Account or Deposit Account or will set it off against any receivable of the Client from the Bank; if it is not possible, then the Client will pay the Fee in advancebefore taking the paid-for action, providing a document or issuing a confirmation.

18) Fees specified in the Service Charge List apply also to products and services provided to a Client in a foreigncurrency. The currency valid in the territory of the Slovak Republic is converted to a foreign currency at the ECBexchange rate of the relevant currency as set forth in the Bank’s currency rate list in effect on the Fee’s due date.

19) Client must pay in full amount of all the fees which are due on the last day at each calendar month. According to thePayment Services Law, the Bank should charge maximum the aliquot part of regularly billed fees appertaining untiltermination of Agreement, upon which the payment service is provided. Herewith, it is not excluded the possibilitybases upon § 98 of the Payment Services Law, to come to a different Agreement with a Client, which is not aconsumer according to this Law, that the disposition of § 33 Art. 4 will not be exercised on their contractualrelationship in full scale or partly.

20) Upon cancellation of (registered) Passbooks, Accounts, Deposit Accounts and Income Saving, the Client will pay, inaddition to a fee published in the Service Charge List, also the heller balance on the cancelled product.

21) The fee “Undo a Notified Cash Withdrawal” is due One Workday after the Day when Notified Cash Withdrawal has notbeen realized.

22) Fee due dates are subject to these fee setting principles, unless otherwise stated in a written agreement with the Client.