List of Fees INDIVIDUALS

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List of Fees

Valid from

1. 7. 2014

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Page 01

Sberbank CZ | List of Fees | INDIVIDUALS

1. Everyday banking

02

1.1 Current accounts

02

1.2 Domestic payments

03

1.3 Cash payments

04

1.4 Debit cards

05

1.5 Insurance for debit cards

06

1.6 Electronic banking

07 2. Foreign payments and foreign exchange operations

08

2.1 Foreign payments

08

2.2 Foreign exchange operations

09 3. Savings accounts, escrow accounts and time deposits

10 4. Credit cards and loans

11

4.1 Credit cards

11

4.2 Insurance for credit cards

12

4.3 FAIR Loan

12

4.4 FAIR Consolidation

12

4.5 FAIR Overdraft

13

4.6 Mortgage loans

13

4.7 Pre-mortgage loan

14

4.8 Refinancing of mortgage loan

14

4.9 Insurance for loans

15

4.10 Fee for breach of contract

15 5. Investments

16

5.1 Certificates

16

5.2 Bonds

17

5.3 Funds

18

5.4 Shares

20

5.5 Other

21 6. Other banking services

22

6.1 Cheques

22

6.2 Banking information

23

6.3 Safe deposit boxes

23

6.4 Day and night depositories

24

6.5 Other

24

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Item FAIR account START FAIR account PLUS FAIR account EXTRA Current account

Opening/change/closing of an account Free of charge

Maintenance of an account / option of FAIR account (monthly) Free of _charge 53 133 47 New option of FAIR account at the client's request Free of charge

Electronic account statement (e-statement) Free of charge

Electronic account statement /collection via Infoterminal Free of charge Statement by post upon turnover / weekly / monthly / quarterly / yearly 40 Copy of statement, copy of debit/credit advice note (Statement for last

12 months / older than 12 months) 50

Maintenance of a FAIR overdraft (monthly) Free of charge

Infoterminal – Infocard issue fee Free of charge

Issue of Confirmation of account balance 200

Account block upon client request 200

Blockage of payment of deposit products 500

* The new option comes into effect on the first day of the following month.

1.1 Current accounts

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Incoming payment within Sberbank CZ Free of charge

Incoming payment from another bank Free of charge

Outgoing payment within Sberbank CZ made via electronic banking or generated by system (including standing order and permitted direct

debit entries) Free of charge

Outgoing One-off payment to another bank 5 3× Included in the

option fee 5

Outgoing payment outside of Sberbank CZ (standing order, SIPO

payment and permitted direct debit entries) 5

1× standing order, 1× SIPO a 1× direct debit Included in the option fee 5

Outgoing payment via a PayU payment 5

Outgoing payment submitted on standard or nonstandard paper

payment order within Sberbank CZ 25

Outgoing payment submitted on standard paper payment order outside

of Sberbank CZ 50

Outgoing payment submitted on nonstandard paper payment order

outside of Sberbank CZ 75

Standing order, SIPO, permitted direct debit – in paper form (opening/

change/closing) 50

Standing order, SIPO, permitted direct debit – electronically (opening/

change/closing) Free of charge

Surcharge for express (priority) payment 200

Recall of a payment order (entry) – upon previous agreement with the

bank after receipt prior to maturity date Free of charge

Recall of a payment order (entry) – on the maturity date after its receipt by the Bank nevertheless before its execution (upon previous agreement

with the Bank) 150

Verification of a payment outside of Sberbank CZ at the client's request 250

Confirmation of payment execution 100

Advice note on payment order failure due to insufficient funds on account, payment order error or illegibility (entry) – Electronically

(Sberbank Online Banking) / via Infoterminal* Free of charge

Advice note on payment order failure due to insufficient funds on account,

payment order error or illegibility (entry) – by post 50

Change to a payment order due date 150

* The Infoterminal allows printing of advice notes about failed payment orders due to insufficient account funds (other types of advice notes are sent to clients via post).

1.2 Domestic payments

1. Everyday banking

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Cash deposit Free of charge

Unsorted banknotes – surcharge for cash deposit exceeding CZK

500,000 within a single day 0.1% of the amount deposited, max 1,000

Surcharge for a cash deposit in a foreign currency (exceeding CZK

500,000 or the equivalent) in a single day 0.1% of the amount deposited, max 1,000

Deposit to an account at Ceskomoravska stavebni sporitelna 50

Deposit to an account at another financial institution 2%, min. 1,000

Cash withdrawal 60

Surcharge for a cash withdrawal exceeding CZK 250,000 within one day 0.2% of the amount withdrawn

Withdrawal exceeding CZK 250,000 without notification 1,000

Failure to collect advised withdrawal exceeding CZK 250,000 0.5%, min. 500 Fee for changing more than 100 banknotes of the same nominal value

for smaller currency, including coin recounting 2%, min. 100

Fee for exchanging cash exceeding 100 units of the same nominal value,

including recounting of banknotes (only) 1.5% of the amount

Surcharge for a cash withdrawal in a foreign currency (except EUR, USD,

GBP and CHF) 0.5% of the withdrawn amount

1.3 Cash payments

1. Everyday banking

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Monthly fee for card maintenance Maestro / VISA Electron included in 1 card

option fee 2 cards included in option _{fee, other cards for 41} 19

Monthly fee for card maintenance MasterCard Standard / VISA Classic 29 41

Monthly fee for card maintenance MasterCard Gold / VISA Gold 350

Surcharge for HolidayCard mode 1

ATM cash withdrawal – Sberbank in the Czech republic 5

3× ATM cash with-drawals from any ATM in the Czech republic, other ATM withdraw-als for standard fee 5

ATM cash withdrawal – ČSOB in the Czech republic 10 10

ATM cash withdrawal – another bank or company in the Czech Republic 37 37

ATM cash withdrawal abroad 75 + 0,5% of the amount

ATM cash withdrawal abroad by Holiday card (personal) 29

Cash withdrawal at the bank counter (Cash advance) in the Czech

republic 1% min. 50

Cash withdrawal at the bank counter (Cash advance) abroad 180 + 1%

Electronic payment for goods and services Free of charge

Card issue Free of charge

Forgotten PIN – issue of new PIN 160

ATM PIN change 35

ATM balance inquiry (ATMs of Sberbank CZ and ČSOB) Free of charge

ATM balance inquiry (ATMs of other banks and abroad) 9

Change to limit at the client's request 70

Change to limit at the client's request for cardless payments Free of charge

Release of replacement cash abroad 3,000

Issue of a replacement card abroad 4,000

1.4 Debit cards

Typ karty elektronická osobní i služební

Platnost 5 let

Limity Volitelné výše limitů: - celkový denní limit - denní limit pro výběr v bankomatu - denní limit pro platbu u obchodníka - denní limit pro platbu na internet

Volitelné služby

cestovní pojštění Standard/Standard Family Exclusive/Exclusive Family Gold/Gold Family pojištění ztráty/krádeže Basic

Classic Extra pojištění právní ochrany D.A.S. pro řidiče motorového vozidla

Další služby cashback nastavení karty na 2 účty

možnost zablokovat kartu pro platby na internetu změna PINu na bankomatu

dotaz na zůstatek

Visa Electron

Katalog karet – Debetní karty 03

Typ karty embosovaná osobní i služební

Platnost 5 let

Limity Volitelné výše limitů: - celkový denní limit - denní limit pro výběr v bankomatu - denní limit pro platbu u obchodníka - denní limit pro platbu na internet

Volitelné služby

cestovní pojštění Standard/Standard Family Exclusive/Exclusive Family Gold/Gold Family pojištění ztráty/krádeže Basic

Classic Extra

pojištění právní ochrany D.A.S. pro řidiče motorového vozidla

Další služby cashback nastavení karty na 2 účty

možnost zablokovat kartu pro platby na internetu změna PINu na bankomatu

dotaz na zůstatek

MasterCard Standard

Katalog karet – Debetní karty 07

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Item Fee

Travel insurance – Cardif Pojišťovna (monthly fee)

Single 49

Family 79

Fraud insurance for payment cards – Cardif Pojišťovna (monthly fee)

Fraud insurance for payment cards 59

Travel insurance – ČSOB pojišťovna (annual fee)*****

Standard 300 Standard Family 900 Exclusive* 1,200 Exclusive Family 2,280 Gold** 1,800 Gold Family 3,000

Insurance against card loss/theft – ČSOB pojišťovna (annual fee)*****

Basic*** 180

Classic*** 480

Extra*** 840

D.A.S. legal protection insurance for drivers of motor vehicles (annual fee)**** 300 * Insurance is automatically included with MasterCard Busines and VISA Business payment cards – included in card price. ** Insurance is automatically included with MasterCard Gold and VISA Gold payment cards – included in card price. *** Insurance cannot be arranged with Maestro card.

**** Insurance is automatically included with Gold payment cards.

***** The fee is charged on the last day of the calendar month in which the client applied for payment card insurance. Validity of insurance is fixed to card validity (non-transferable).

1.5 Insurance for debit cards

1. Everyday banking

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Monthly fee for using Sberbank Online banking Free of charge 47

Monthly fee for using Smart Banking Free of charge

Cancellation of Sberbank Online Banking / Smart Banking Free of charge

One-off charge for activation of safety token Free of charge 250

One-off charge for issue of safety envelopes Free of charge

One-off charge for issue of certificate 250

Renewal of security data 150

Issue of new token due to token expiration Free of charge

Issue of new token due to loss/theft/damage by client 450

Sending a SMS notification of periodic balance Free of charge

Sending a SMS notification of login to Sberbank Online Bankingu 2.5

Sending a SMS notification of a change of balance 2.5

Sending a SMS notification of an unauthorised overdraft 2.5

Sending a SMS notification of an incoming transaction 2.5

Sending a SMS notification of an outgoing transaction 2.5

Sending a SMS notification that a card is ready for pick-up at branch Free of charge Sending a SMS notification of internet transaction via payment card Free of charge Sending a SMS notification of held item via payment card Free of charge Sending a SMS notification of unsuccessful authorization of payment

card transaction Free of charge

Sending an email notification of periodic balance Free of charge

Sending an email notification of login to Sberbank Online Bankingu Free of charge

Sending an email notification of a change of balance Free of charge

Sending an email notification of an unauthorised overdraft Free of charge Sending an email notification of an incoming transaction Free of charge Sending an email notification of an outgoing transaction Free of charge Sending an email notification that a card is ready for pick-up at branch Free of charge Sending an email notification of internet transaction via payment card Free of charge Sending an email notification of held item via payment card Free of charge Sending an email notification of unsuccessful authorization of payment

card transaction Free of charge

1.6 Electronic banking

1. Everyday banking

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Item Fee

BEN/SHA incoming payment Příchozí platba typu BEN/SHA from a foreign country in a foreign

currency or in CZK 0.9% of the amount,min. 150; max. 900

BEN/SHA incoming payment from another domestic bank in a foreign currency 0.9% of the amount min. _{150; max. 900} BEN/SHA incoming payment From another domestic bank in CZK to an account held in a foreign

currency 0.9% of the amount,min. 150; max. 900

Incoming payment within Sberbank/OUR incoming payment Free of charge

Incoming EU payment (incl. SEPA payment)* 150

Incoming Sberbank payment Free of charge

Incoming Rouble payment 100

Outgoing payment directed abroad in a foreign currency or in CZK 1%, min. 300; max. 1,700 Outgoing payment to another domestic bank in a foreign currency 1%, min. 300; max. 1,700

Surcharge for OUR payment* 1%, min. 300; max. 1,500

Outgoing payment within Sberbank CZ Free of charge

Outgoing payment in CZK from an account held in a foreign currency to an account at another

domestic bank 0.5%, min. 50; max. 300

Outgoing EU payment (incl. SEPA payment)** 250

Outgoing Sberbank payment*** 100

Outgoing Rouble payment**** 300

Recall or amendment of a payment order (entry)

After receipt prior to maturity date Free of charge

On the maturity date after its receipt by the Bank nevertheless before its execution (upon previous

agreement with the Bank) 200

Change, correction, cancellation of an executed payment 500 + fees of other bank

Surcharge for an express (urgent) payment 750

Confirmation of payment execution (SWIFT message) upon submission of the payment order 200 Confirmation of payment execution (SWIFT message) at the client’s request after submission of the

payment order 300

Verification of a payment, change of instructions 500 + fees of other bank

Advice note on failed payment order (due to insufficient funds on account, payment order error or illegibility)

Electronically (Sberbank Online Banking) Free of charge

By post 200

Surcharge for executing a payment after the cut-off time (always only upon previous agreement

with the Bank)* 500

Fee for deletion of an electronic payment order due to insufficient funds 200

2.1 Foreign payments

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Item Fee

Sending MT 940 account statements from one account via SWIFT (monthly) 1,000

One-time fee for set up of MT940 account statements sent via SWIFT 1,000

Crediting a returned payment due to incorrect instructions given by the client 300

Surcharge for NON-STP payment 400

Surcharge for paper payment order (including transfers within Sberbank CZ) 300

Foreign standing order (opening/changing/closing) 200

The Bank reserves the right to stipulate an exchange rate according to the current interbank market for charging incoming and out-going payments and transfers within the Bank for amounts exceeding CZK 1,250,000 and the equivalent in other currencies. In case of fees determined by per cent, the amount of the payment transaction serves as the basis for the fee calculation.

Item Fee

Purchase/sale of foreign currency 1%, min. 50

2.2 Foreign exchange operations

2.1 Foreign payments

2. Foreign payments and foreign exchange operations

TIP

EU payment – an electronic standard (not urgent) payment to/from an EEA member state in EUR, not exceeding EUR 50,000 inclusive, and which includes the valid IBAN and BIC; SHA charges apply.

SEPA payment – payment in EUR with the same parameters as an EU payment, except for unlimited amount and recipient banks (SEPA banks only). SEPA payments not exceeding EUR 50,000 inclusive are charged as EU payments; SEPA payments exceeding EUR 50,000 are charged as payments directed abroad in a foreign currency or in CZK.

Sberbank payment – a payment in EUR, USD, RUB and CZK to Sberbank of Russia (Russia) and its subsidiary banks in Belarus, Kazakhstan, and Ukraine. Sberbank payments in RUB are not subject to OUR surcharges (other options are not supported in RUB currency); Sberbank payments made in the other currencies listed above are subject to an OUR surcharge of CZK 300. And payments in EUR and CZK from subsidiary banks of Sberbank Europe AG in Bosnia and Herzegovina, Croatia, Hungary, Serbia, Slovakia, and Slovenia.

Rouble payment – a payment in RUB (excluding payments that meet the parameters of Sberbank payments). Rouble payments are not subject to OUR surcharges.

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Item Fee

Opening/change/closing of a Savings account and Saving account GUARANTEE Free of charge

Maintenance of a Savings account and Saving account GUARANTEE Free of charge

Monthly fee for use of Sberbank Online Banking including Smart Banking Free of charge Outgoing payment via electronic banking entry outside the Sberbank CZ Free of charge Outgoing payment via electronic banking entry outside the Sberbank CZ (including standing order

entries, SIPO payments and accepted direct debit) 18

Opening a time deposit Free of charge

Maintenance of a time deposit (monthly) Free of charge

Renewal of revolving time deposit Free of charge

Early withdrawal of funds from a time deposit / early cancellation of a time deposit withdrawal amount,2% of the early min. 1,000 Opening and maintenance of an Escrow account, addendum to an Escrow account contract 0.2% of the deposited amount,

min. 5,000; max. 20,000

Changes to sample contractual documentation at the client's request 4,000

Other fees not listed above are governed by the relevant chapters of the List of Fees.

3.1 Savings accounts, escrow accounts and time deposits

3. Savings accounts, escrow accounts and time deposits

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Item Fee

Monthly fee for FAIR credit card Free of charge

Opening of a credit card account Free of charge

Maintenance of a credit card account (monthly) Free of charge

Sending credit card account statements (monthly) Free of charge

Sending a copy of a credit card account statement 40

ATM cash withdrawal – Sberbank in the Czech republic 0.25% of the amount, _{min. 15}

ATM cash withdrawal – ČSOB in the Czech republic 0.50% of the amount, _{min. 30}

ATM cash withdrawal – another bank or company in the Czech Republic 1.50% of the amount,_{min. 90}

ATM cash withdrawal abroad 1.75% of the amount,_{min. 120}

Cash withdrawal at the bank counter (Cash advance) in the Czech republic 1.75% of the amount,_{min. 120} Cash withdrawal at the bank counter (Cash advance) abroad 1.75% of the amount,_{min. 120}

Electronic payment for goods and services Free of charge

Card issue Free of charge

Forgotten PIN – issue of new PIN 160

ATM PIN change 35

ATM balance inquiry (ATMs of Sberbank CZ and ČSOB) Free of charge

ATM balance inquiry (ATMs of other banks and abroad) 9

Release of replacement cash abroad 3,000

Issue of a replacement card abroad 4,000

Change to limit at the client's request 70

Change to limit at the client's request for cardless payments Free of charge

Change to credit limit at the client's request Free of charge

Fee for each direct debit if the minimum instalment has not been paid 50

Change to contractual conditions, breach of contract min. 100

4.1 Credit cards

4. Credit cards and loans

Typ karty embosovaná osobní

Platnost 5 let

Výše úvěru až 300 000 Kč

Bezúročné období až 45 dní pro bezhotovostní i hotovostní transakce

Limity výše jednotlivých limitů se odvíjí od výše schváleného úvěrového rámce kreditní karta má tyto limity:

celkový týdenní limit týdenní limit pro výběr v bankomatu týdenní limit pro platbu u obchodníka týdenní limit pro platbu na internet

Volitelné služby

cestovní pojštění Standard/Standard Family pojištění ztráty/krádeže Basic

Classic pojištění právní ochrany D.A.S. pro řidiče motorového vozidla

Další služby cashback

možnost zablokovat kartu pro platby na internetu možnost změny PINu na bankomatu možnost dotazu na zůstatek

FÉR kreditní karta

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Item Fee

Travel insurance – Cardif Pojišťovna (monthly fee)

Single 49

Family 79

Fraud insurance for payment cards – Cardif Pojišťovna (monthly fee)

Fraud insurance for payment cards 59

Travel insurance – ČSOB Pojišťovna (yearly fee)

Standard* 300

Standard Family* 900

Insurance against card loss/theft – ČSOB Pojišťovna (yearly fee)

Basic* 180

Classic* 480

D.A.S. legal protection insurance for drivers of motor vehicles* 300

* The fee is charged on the last day of the calendar month in which the client applied for payment card insurance.

Item Fee

Loan provision Free of charge

Maintenance of a loan account Free of charge

Sending loan account statement Free of charge

Early repayment of a consumer loan Free of charge

Item Fee

Loan provision Free of charge

Maintenance of a loan account Free of charge

Early repayment of a consumer loan Free of charge

4.2 Insurance for credit cards

4.3 FAIR Loan

4.4 FAIR Consolidation

4. Credit cards and loans

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Item Fee

Loan processing Free of charge

Maintenance of an account with an overdraft line of credit (monthly) Free of charge

Change in amount of an overdraft line of credit Free of charge

4.5 FAIR Overdraft

4.6 Mortgage loans

Item Fee

Loan processing (the fee is payable on the date of signing the contract, applies even

if the provided amount is not drawn in full) – Up to CZK 7 million with proof of income 0.4% of the loan amount,min 4,000 max 10,000 Loan processing (the fee is payable on the date of signing the contract, applies even

if the provided amount is not drawn in full) – Up to CZK 7 million without proof of income

0.6% of the loan amount, min 6,000 max 15,000 Loan processing (the fee is payable on the date of signing the contract, applies even

if the provided amount is not drawn in full) – Over CZK 7 million Individually

Mortgage promise – processing 1,000

Consultation Free of charge

Maintenance of a loan account (monthly) for new clients who began drawing

on or after 28 February 2013 Free of charge

Maintenance of a loan account (monthly) for clients who began drawing

by 27 February 2013 150

Fee for provision of Land Registry record* 200 CZK + 21% VAT

Fee for the fourth and each subsequent drawing 500

Fee for drawing a loan of less than CZK 50,000 500 per drawing

Partially drawn loan

5% of the undrawn amount (applies when more than 20% of the mortgage

loan has not been drawn or when the undrawn amount exceeds

CZK 500,000)

Change to conditions at the client's request 0.25% of the current loan balance,_{min. 2,000 and max. 10,000} One extra instalment payment per year outside fixed terms up to 10% of the current

balance of the principal with no penalty** 0.25% of the current loan balance, min. 2,000 and max. 10,000 Early repayment of a mortgage loan***

0.35% of prematurely repaid amount for each prematurely repaid month remaining to the end of the fixed rate

period

Assumption of debt (mortgage loan including real estate) out of fixed rate period 50% of the calculated "early repayment" _fee Early repayment of a "Green Loan" (up to the amount of the state subsidy under the

Green Savings program)

Free of charge (one early repayment instalment, valid for mortgage loans concluded on or after 5 October 2009)

4. Credit cards and loans

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Item Fee

Early repayment of a home equity loan (fee applies to contracts signed by 31 December 2010)

0.25% of the prematurely repaid amount for each full or partial prematurely repaid month remaining

to the end of the fixed rate period Application for early repayment of a home equity loan with remaining maturity of less

than 1 year (fee applies to contracts signed on or after 1 January 2011) 1% of the prematurely repaid amount Application for early repayment of a home equity loan with remaining maturity of less

than 1 year (fee applies to contracts signed on or after 1 January 2011) 0.5% of the prematurely repaid amount

Interest payment confirmation (once per year) Free of charge

Interest payment confirmation (at the client's request) 100

Issue of Confirmation of balance on a loan account**** 750

Penalty for not drawing a concluded mortgage from Sberbank CZ, a.s. for the

repayment of a pre-mortgage loan 10% of the pre-mortgage loan

* For Land Registry records consisting of 1 to 3 pages, the fee is CZK 200 + 21% VAT; for each subsequent page (i.e. 4th and each sub-sequent), the fee is CZK 50 + 21% VAT.

** In the same amount as the fee for changes to conditions initiated by the client

*** The fee shall be refunded to the client after the new loan has been drawn if s/he takes out a new mortgage loan (with at least 5Y fixed) in the same amount or more than the current balance of the existing loan and the loan is drawn within 12 months from repayment of the existing loan

**** Provision of information to the client without issuance of a confirmation statement is free of charge

4.6 Mortgage loans

Item Fee

Loan processing (the fee is payable on the date of signing the contract, applies even if the provided

amount is not drawn in full)* 2,000

* The client also pays a mortgage loan application processing fee.Other fees correspond with fees for mortgage loans and home equity loans.

Item Fee

amount is not drawn in full) – Refinancing up to CZK 7 million 999

amount is not drawn in full) – Over CZK 7 million Individually

Fee for not drawing a mortgage loan intended for refinancing of a mortgage loan or a loan under

a building savings plan 1.5% of the undrawn loan amount

* Other fees correspond with fees for mortgage loans and home equity loans.

4.7 Pre-mortgage loan

4.8 Refinancing of mortgage loan

4. Credit cards and loans

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Page 15

Item Fee

Payment protection insurance (loans) STANDARD _{monthly payment}5% of the regular Payment protection insurance (loans) STANDARD 7.5% of the regular _{monthly payment} Payment protection insurance (mortgage loans) STANDARD _{monthly payment}5% of the regular Payment protection insurance (mortgage loans) PLUS _{monthly payment}7% of the regular

Item Fee

Fee for sending a reminder (warning)

First reminder (warning) 200

Second and each subsequent reminder (warning) – overdraft line of credit 300

Second and each subsequent reminder (warning) – other type of loan 500

Withdrawal from the contract due to loan default

Overdraft line of credit 500

Other type of loan 1.000

Penalty interest for credit cards 31.9% p.a.

4.9 Insurance for loans

4.10 Fee for breach of contract

4. Credit cards and loans

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Investment certificates with fixed maturity date

(guaranteed, airbag/bonus and other non-leverage certificates)

Item Fee

Volksbank AG issues (OTC)

Purchase conditions determined according to the

for an individual emission

Sale Free of charge

Redemption Free of charge

Coupon payments Free of charge

Citigroup Funding Inc. issues (OTC)

Purchase conditions determined according to the

for an individual emission

Sale 500 (amount not _considered)

Payment upon maturity Free of charge

Coupon payment Free of charge

Publicly traded issues

Purchase or sale 1,25%

Redemption 0.5% of the transaction volume, min. EUR 1.50;

max. EUR 50 Coupon payments 0.5% of the coupon payment, 2,000 + fees of foreign administrators (custodian) min. 50

Investment certificates without maturity date

(index certificates and other non-leverage certificates)

Item Fee

Purchase or sale 1.25%, min. EUR 38

5.1 Certificates

5. Investments

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Page 17

Item Fee

Purchase or sale

Domestic 0.6%, min. 180

Foreign 0.6%, min. EUR 50

Bond redemption

Domestic Free of charge

Foreign _{administrators (custodian)}fees of foreign

Coupon payments

Bonds or mortgage covered bonds issued by Sberbank CZ Free of charge

Domestic 0.5% of the transaction volume,

max. 2,000; min. 50 Foreign

0.5% of the transaction volume, max. CZK 2,000 + foreign administrators fee (custodian); min. 50

5.2 Bonds

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Volksbank Invest, ING Investment Management, HSBC Mutual funds

Item Fee

Purchase of share certificates Money market mutual funds

30,000 up to 299,000 CZK 0.75% 300,000 up to 999,999 CZK 0.50% 1,000,000 CZK and more 0.35% Bond funds 30,000 up to 299,000 CZK 2% 300,000 up to 999,999 CZK 1.75% 1,000,000 CZK and more 1.5% Equity Funds 30,000 up to 299,000 CZK 3.75% 300,000 up to 999,999 CZK 3% 1,000,000 CZK and more 2.75%

Mixed, Guaranteed, Index, “Click” Funds

30,000 up to 299,000 CZK 2.75%

300,000 up to 999,999 CZK 2.50%

1,000,000 CZK and more 2.25%

Sale of share certificates Free of charge

Transfer of share certificates within one of the investment companies listed above (fund change)

Upon a change to a target fund with a higher sales fee

difference between higher and lower fee for purchase in given volume

range (according to the amount of invested

assets)

Upon a change to a target fund with a lower sales fee Free of charge

Dividend payment from share certificates Free of charge

5.3 Funds

5. Investments

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Page 19

Guaranteed HSBC Growth Funds

Item Fee

Purchase of share certificates Free of charge

Sale of share certificates before maturity 1.5%

Transfer between HSBC guaranteed growth funds Free of charge

Redemption of share certificates Free of charge

ETF (Exchange Traded Funds)

Item Fee

Traded issues in Austria and Germany (purchase or sales) 1.25%, min. EUR 50

Traded issues in other countries (purchase or sales) 1.25%, min. EUR 65

Other mutual funds

Item Fee

Implementation of trade through the public markets (purchase or sales) 1.25%, min. EUR 50 Implementation of trade through an investment company

Purchase and as such is specified The fee is deal-specific

upon request.

Sales EUR 16

5.3 Funds

5. Investments

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Item Fee

Purchase or sale

Czech Republic 1.25%, min. CZK 100

Europe

Finland, France, Netherlands, Italy, Luxembourg, Germany, Portugal, Austria, Spain 1.25%, min. EUR 38

Denmark 1.25%, min. DKK 300

Hungary 1.25%, min. HUF 20,000

Norway 1.25%, min. NOK 300

Poland 1.25%, min. PLN 330

Russia 1.25%, min. EUR 350

Greece 1.25%, min. EUR 150

Sweden 1.25%, min. SEK 350

Switzerland 1.25%, min. CHF 60

Bulgaria, Croatia, Romania, Estonia, Lithuania, Latvia, Ukraine 1.50%, min. EUR 100

Great Britain + 0.50% Stamp duty 1.25%, min. GBP 50

at purchase

Slovenia 1.25%, min. EUR 50

Other countries

Australia 1.25%, min. AUD 200

Hong-Kong 1.25%, min. HKD 1,000

Canada 1.25%, min. CAD 100

USA 1.25%, min. USD 50

Other countries provided on request

Dividend payment

Domestic 0.5% of dividend volume, _{max. 2,000; min. 50}

Foreign

0.5% of dividend volume, max. 2,000 + fees of foreign administrators

(custodian); min. 50

Shares split, reverse split, change of nominal value, decrease of registered capital Free of charge

5.4 Shares

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Page 21

Securities trading

Item Fee

Submission of an order Free of charge

Change of order parameters Free of charge

Cancellation of an order Free of charge

Administration of securities

Item Fee

Maintenance of depository for securities – annual depository report Free of charge

Annual depository statement, extra depository statement Free of charge

Custody transfers Domestic

transfer to the depot Free of charge

transfer from the depot

CZK 1,000/ transactions + costs of third parties (information is available

upon the request, according to the particular requirement) Foreign

transfer to depot Free of charge

transfer from depot

EUR 40/ transaction + costs of third parties (information on request according to a concrete

requirement)

Subscription of newly issued shares

According to fees on the market on which the

subscribed title is traded

Purchase/sale of rights (existing shareholders' right of first refusal for increase of registered capital)

According to fees on the market on which the

rights are traded

Extract from not registered in the Central Securities Depository 500

5.5 Other

5. Investments

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Item Fee

Cashing a cheque issued by another bank (only for clients of Sberbank CZ)

Crediting a cashed cheque to an account 1%, min. 500; max. 2,000 + fees charged by other banks

Returned cheque submitted for cashing 500 + fees charged by _{other banks}

Cashing a pension sent periodically by foreign cheque 150

Sberbank CZ client cheques

Issue of a cheque in CZK or a foreign currency 3

Cashing a cheque in a foreign currency

Via transfer to an account at a foreign bank 1%, min. 100; max. 1.700

Via transfer to a client’s account at Sberbank CZ 0.5%, min. 50; max. 300

Cashing a cheque in CZK

Via transfer to an account at another bank in the Czech Republic 1%, min. 100; max. 1.000

Via transfer to a client’s account at Sberbank CZ 50

Cashing a cheque in cash

Up to CZK 250,000 45

Over CZK 250,000 0.1% of the amount, _max 2,000

Returned client cheque due to insufficient funds 1,000

Upon submission at the Sberbank CZ cash desk Free of charge

Banker’s cheques

Issuing a bank cheque (USD or GBP only) _{min. 500; max. 5,000}0.5%,

Cashing a bank cheque from a correspondent bank payable at Sberbank 1%, min. 100; max. 1,000 Other

Recall of a cheque 300

Stop payment 300 + SWIFT costs

Returned unused cheque (crediting the amount back to an account) 300 + fees charged by _{other banks}

6.1 Cheques

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Page 23

Item Fee

Provision of banking information about a Sberbank CZ, a.s. client

At his own request 1,000 (+ 21% VAT)

At his own request for an audit 2,000 (+ 21% VAT)

Provision of banking information about a Sberbank CZ, a.s. client

To clients of domestic and foreign banks (request via these banks) 400 (+ 21% VAT)_{per request}

To other persons 400 (+ 21% VAT)_{per request}

To the authorised person for execution of a decision (pursuant to Section 38, Article 6, Act 21/1992

Sb., on Banks) 400 (+ 21% VAT)per request

To a person who shall prove that s/he has incurred damages as the consequence of incorrect data given to the Bank and that without this information s/he was not able to exercise his or her right to release of unjustified enrichment as stipulated in the Civil Code (pursuant to Section 38, Article 6, Act 21/1992 Sb., on Banks)

400 (+ 21% VAT) per request

Provision of banking information about a client of another bank – to a client of Sberbank CZ. a.s. Compensation for actual costs + 1,000 (+ 21% VAT) per query

Item Fee

Applies to rental of safe deposit boxes at the following branches: Prague – Na Příkopě, Brno M-Palác, České Budějovice, Hradec Králové, Ostrava, Prague Lazarská and Zlín and Karlovy Vary. For more information about availability, please contact the respective branch.

Size of safe deposit box Safe deposit box annual _{rental fee}

Up to 5,000 cm3 _{600 (+ 21% VAT)} 5,001 – 10,000 cm3 _{1,000 (+ 21% VAT)} 10,001 – 15,000 cm3 _{1,500 (+ 21% VAT)} 15,001 – 30,000 cm3 _{2,500 (+ 21% VAT)} 30,001 – 50,000 cm3 _{4,000 (+ 21% VAT)} 50,001 cm3₊ _{9,000 (+ 21% VAT)}

Key deposit (2 keys) 2,000

Rent notice 100 CZK + 21% VAT

Storage of uncollected contents of a safe deposit box 5,000/year (+ 21% VAT)

Fee for not vacating a safe deposit box after termination of the contractual relationship costs of vacating the safe According to the actual deposit box

6.2 Banking information

6.3 Safe deposit boxes

6. Other banking services

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Item Fee

Deposit for release of depository case and keys 3,000

Fees for services not included in the List of Fees

Item Fee

For services not listed in the List of Fees* for each full or partial 200

15-minute period of work Crediting interest, transfer of deduction tax, charging prices for services Free of charge

Out deposit certificates of roadworthiness (per license) 400 (+ 21% VAT)

Cancellation of a lien on movables _{charge VAT (+ 21 VAT)}payment of notarial

Fee for execution 150

* If services are not part of financial activities pursuant to Act No. 235/2004 Sb., on Value Added Tax, the Bank shall charge 21% VAT.

Joint provisions

Information about other fees not included in this List of Fees is available upon request at Sberbank CZ, a.s. branches. Should you have any questions, please contact your branch advisor.

In addition to fees in this List of Fees, Sberbank CZ, a.s. shall charge the client any fees that foreign or domestic banks or other organ-izations charge for operations carried out at the client’s request, unless agreed otherwise in specific cases.

All fees are in CZK, unless stated otherwise indicated.

6.4 Day and night depositories

6.5 Other

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