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Joint-Stock Company Tomikova 48 832 37 Bratislava

Service Charge List of Slovensk sporitea, a. s.

Valid from July 1, 2011

Part A) For Individuals

For the purpose of this part of Slovensk sporitea a.s. Service Charge List, an individual is a natural person other than an entrepreneur (hereinafter referred to as the "Client)

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

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TABLE OF CONTENTS
I. Products and Services Currently on Sale by Slovensk sporitea 1) Current Accounts a) Personal Account b) SPOROgiro - Standard Type of Current Account 2) Products and Services Offer: a) for Young People b) for Beneficiaries of Various Pension Allowances 3) Payment System Non-cash Payment Transactions a) Domestic Payment System b) Foreign Payment System 4) Payment System Cash Operations: Cash-desk and Currency Exchange Ones a) Cash Deposits and Cash Withdrawals b) Other Cash-Desk Services 5) Debit Cards a) Electronic Payment Cards b) Embossed Payment Cards c) Fees for Using Debit Cards 6) Credit Cards Revolving Credit Cards 7) Saving Products Passbooks and Deposit Accounts 8) iXtra Programm for Youth a) Card iXtra Prepaid Card for Youth b) iXtra Bonus Passbook for Youth c) iXtra Life Junior Life Insurance for Youth 9) Loans a) Housing Loans b) Consumer Loans for Whatever c) Permitted Overdraft Loans on Current Accounts 10) Electronic Banking a) Internetbanking, Telephonebanking, Electronic Service Package on Mobile Phone and Mailbanking b) Administration of Security Objects: - Password, GRID and EOK for Electronic Banking Services 11) Safe-Deposit Boxes 4 4

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12) Securities a) Securities Trading - with Slovak and Foreign Securities b) Securities Holder`s Account (Property Account) - Slovak Securities c) Custodian Services to Foreign Securities d) Securities Transfer e) Other Services Related with Securities f) Associated Account 13) Other Services II. Subsidiaries Products and Services Sold in Slovensk sporiteas Branches: 14) Mutual Funds 15) Leasing Services 16) Life Insurance III. Existing Products and Services No Longer being Sold by Slovensk sporitea: 17) Product and Service Packages 18) Current Accounts a) SPOROgiro b) Vpisy - pozastaven sluby 19) Saving products a) Passbooks and Deposit Certificates b) Term Deposits (Deposit Accounts), Rent saving 20) Debit Card: EURO<26 VISA Electron 21) SPOROprofit Account and SPOROprofit Card 22) Credit and Charge Cards a) Revolving Credit Cards - Electronic b) Charge Card - Diners Club International 23) Loans a) Social Loans for Real Property and Loans to Newly Married Couples b) Loans for 1st and 2nd Round of Voucher Privatization c) Overdraft Loan SPOROgiro + (Personal Loan) d) Loan Insurance e) Mortgage Loan f) American Mortgage Loan 24) Safekeeping IV. Disbursement of Anonymous Deposits V. Fee Setting Principles

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27 28 28 28 28 29 29 30

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33 34 35

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40 41 42

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I. Products and services Currently on Sale by Slovensk sporitea

1) Current Accounts
a) Personal Account
PRODUCTS AND SERVICES INCLUDED IN THE PRICE OF THE PERSONAL ACCOUNT 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 service Establishment of unlimited number of Standing Payment Orders and Direct Debits in Branches or via Electronic Services Change or Cancellation of Standing Payment Orders and Direct Debits via Electronic Services Unlimited Number of Non-cash Deposits to Account - Crediting Funds Unlimited Number of Number of Executed Standing Payment Orders / Direct Debits (Domestic Payment System) and SEPA Direct Debit Unlimited Number of Established and Executed One-off Payment Orders via Electronic Services (Domestic Payment System) Unlimited Number of Non-cash Payments with Payment Card for Goods and Services Unlimited Number of Payments in EUR currency within EEA coutries realized via Electronic Services Unlimited Number of Cash Withdrawals realised by Payment Card in ATMs of Slovensk sporitea and ATMs of ERSTE Group 1/ Abroad Internetbanking Telephonebanking Mailbanking: E-mail Statement and E-mail notification Electronic Service Package on Mobile Phone: Mobilbanking, SMS Banking, One Electronic Payment Card (as Preffered) to one Account Holder card issuance and card renewal: - VISA Electron / Maestro Granting and Administration of a Permitted Overdraft Loan to Current Account Reward Bonus for Payment Card usage representing 0.5 % of volume Monthly maintenance fee will not be charged, if average daily balance on Account was higher than EUR 10,000 in respective month 3/ Monthly maintenance fee for Personal Account
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IN PRICE

STANDARD FEE RATE 2.06 monthly 0.00

Current Account

0.00 0.50 0.15 per transaction 0.15 per transaction 0.15 per transaction 0.15 per transaction 0.15 per transaction 0.15 per transaction 1.00 monthly per Account 0.00 0.00 1.00 monthly per Account

Card

EB Services

Transactions

8.00 yearly 0.00

Extra Loan

4.90

Banks of the ERSTE Group: Austria Erste Bank der sterreichischen Sparkassen AG; Niedersterreichische Sparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech republic esk spoitelna, a.s.; Croatia Erste & Steiermrkische d.d.; Romania Banca Comercial Romn 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. Out of aggregate payments booked to Account as stipulated within Business Terms for Product and Service Packages - Private individuals. In case of fulfilling conditions as stipulated within Business Terms for Product and Service Packages - Private individuals.

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The SLSP recommends:

Personal Account represents a complex set of most frequently used bank products and services being designed for private individuals. You may carry out unlimited number of transactions and still you will pay the same price for this package.
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In addition, you will be remunarated by Slovenska sporitea for each transaction carried out with the Payment Card. As much you pay, that much you will receive!

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b) SPOROgiro - Standard Type of Current Account:

FEES FOR USING ACCOUNTS Account Opening Account Maintenance Change in Operating an Account aAccount Cancellation FEES FOR ACCOUNT STATEMENTS Account Statement Issuance in Monthly or Higher Frequency and its: a) Dispatching by Post within Slovak republic or, b) Sending Electronically through Mailbanking service Account Statement Issuance and its Dispatching by Post Abroad Additional Account Statement Issuance or Issuance of a Statement in another Frequency (Daily or Weekly) and its Dispatching by Post within Slovak republic Account Statement Issuance of Turnover Accruals in Branch Duplicate Account Statement Issuance (copy of statement) Statement Delivery through a Safe-deposit Box (monthly fee) Rate 0.00 2.06 monthly 1.66 0.00 Rate 0.00

0.30 + postage charge 0.30 + postage charge 1.00 per page 1.00 per page 0.50 + VAT Price incl.VAT: 0.60

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2) Products and Services Offer

a) For Young People:
FEES FOR HANDLING A CURRENT ACCOUNT Account Opening Fee Account Maintenance Fee Change in Operating an Account Establishment and Administration of Permitted Overdraft Loan Establishing and Providing Services: Internetbanking (IB) and Telephonebanking (TB) Electronic Service Packages on Mobile Phone: Mobilbanking, SMSbanking, SMS notification; SMS key / per each Client or Authorized Person Mailbanking: E-mail Statement and E-mail notification Non-cash Deposit to Account - Crediting Funds to Account Establishment of Standing Payment Order / Direct Debit Execution of Unlimited Number of Standing Payment Orders, Direct Debits (domestic payment system) and SEPA Direct Debits Change or Cancellation of Standing Payment Order / Direct Debit via Electronic Services Change or Cancellation of Standing Payment Order / Direct Debit in Branch Establishment and Execution of One-off Payment Order via Electronic Services (domestic payment system) Unlimited Number of Payments in EUR currency within EEA coutries realized via Electronic Services Fee for VISA Electron Payment Card Vber hotovosti Platobnou kartou v bankomate Slovenskej sporitene a skupiny ERSTE 2/ (v zahrani) Bezhotovostn platba kartou za tovar a sluby C/A
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SPOROgiro University Student

SPOROgiro Standard type of EURO<26 Current Account 0.00 2.06 monthly 1.66 0.00

0.00 0.00 0.00 0.30 monthly 0.00 0.00 0.00 0.00

Loan

EB Services

IB= 1.00 monthly 0.00 TB= 0.00 monthly

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

1.00 monthly 0.00 0.15 0.00

Transactions

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 1.00 0.00 0.00 0.00 0.00 0.00

0.15 SPO = 0.50 DD = 0.50 SPO = 1.00 DD = 1.00 0.15 0.15 8.00 rone 0.15 0.15

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Card

Other Services not included in this table are standardly charged in condordance with particular parts of this Service Charge List. Banks of the ERSTE Group: Austria Erste Bank der sterreichischen Sparkassen AG; Niedersterreichische Sparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech republic esk spoitelna, a.s.; Croatia Erste & Steiermrkische d.d.; Romania Banca Comercial Romn 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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b) For Beneficiaries of Various Pension Allowances:

POPLATKY ZA POUVANIE TU 1/ Account Opening Fee Account Maintenance Fee Establishment and Administration of Permitted Overdraft Loan Issuance and renewal of VISA Electron Payment Card
C/A

SPOROgiro Senior 0.00 1.00 monthly 0.00 0.00

Standard type of Current Account 0.00 2.06 monthly 0.00 8.00 yearly

1/

Card

Loan

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

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3) Payment System Non-Cash Payment Transactions

a) Domestic Payment System
DOMESTIC PAYMENT SYSTEM FEE ITEM Non-cash Deposit to Account - Crediting Funds to Account Execution of a Standing Payment Order / Direct Debit Automated Transfer of Means to Deposit Account Processing of Return Payment Request Method of Execution via Electronic Services FEE ITEM Rate Establishment and Execution of an One-off Payment Order 0.15 Establishment of Direct Debit 0.00 Urgent Payment 2.00 Establishment of Standing Payment Order / Direct Debit 0.00 Change or Cancellation of Standing Payment Order / Direct Debit 0.50 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 Processing of an Item Received in a File through HB / IB File Transfer 0.15 Rate 0.15 0.15 0.15 3.00 in Branch Rate 1.20 0.00 3.00 0.00 1.00

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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 no longer 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 bank branch.

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b) Foreign Payment System

FOREIGN PAYMENT SYSTEM Incoming transfers: Non cash deposit to Account Outgoing transfers: Cross-border Transfer in EUR currency to EEA countries Urgent Cross-border Transfer in EUR currency to EEA countries b) Transfer within ERSTE Group Cross - border Transfer in EUR and in foreign currency from c) Slovakia and in foreign currency within Slovakia up to 2,000 EUR above 2,000.01 EUR Surcharge to Urgent transfer Surcharge to Transfer with Payment Condition OUR c) Execution of SEPA Direct Debit Other fees: Changing, specifying or cancelling a Stop Cheque Payment transfer Written information on transfer Written information on crediting a transfer to the Payee's Account in a foreign bank and verification of a foreign transfer
a)

Rate 0.15 Rate via Electronic services 0.15 2.00 5.00

in Branch 1.20 3.00 15.00

10.00 20.00 50.00 see next page 0.15

20.00 30.00

Rate 16.60 + foreign banks fees 16.60 10.00 + foreign banks fees

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 Payees bank , a correct IBAN (International Bank Account Number), and payment condition SHA if it meets these specified requirements for a cross-border transfer to members states of the European Economic Area. EEA countries (European Economic Area): 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. b)The fee for a transfer within the ERSTE Group applies to transfers with a correctly stated BIC-SWIFT code of the beneficiarys bank. In the case of transfers to the Czech Republic, the fee applies to transfers with a correctly stated BIC-SWIFT code of esk spoitelna, a.s. or with a correctly stated international bank number of of the Payees account (IBAN). Transfers without a BIC-SWIFT code or with an incorrect BIC-SWIFT code of the Payees bank will be subject to the fee applicable to other transfers. Transfers to esk spoitelna, a.s. without a BIC-SWIFT code or with an incorrect BIC-SWIFT code of the beneficiarys bank, and with the Payees standard-formatted account number, or transfers with an incorrect beneficiarys international bank account number (IBAN) will be subject to the fee applicable to other transfers. Banks of the ERSTE Group: Austria - Erste Bank der sterreichischen Sparkassen AG; Niedersterreichische Sparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Innsbruck; Hungary - Erste Bank Hungary NYRT.; Czech republic - esk spoitelna, a.s.; Croatia - Erste&Steiermrkische d.d.; Romania - Banca Comercial Romn 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 against the remitters account on the same day the transfer amount is debited if the bank knows the expenses in advance, or later in the amount of the actual expenses charged by the relevant bank. This fee, which is considered as a foreign bank fee, will be charged according to the official Bank Exchange Rate List valid in time the transfer remittance is carried out, or according to an Individual Exchange Rate set by the Bank, or according to 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 EEA countries through

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electronic services. Transfers in euros up to EUR 50,000 to any country of the European Economic Area can be made on advantageous conditions if the following details are stated in the payment order: beneficiarys bank BICSWIFT code, correct international bank account number (IBAN), payment condition SHA.. Transfers to Erste Group banks can be cheaper, if you state the Payees 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 EEA countries, you can pay only 0.15 via Electronic services or 1.20 in Branch.

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Aufzahlung fr OUR-Zahlung
LAND DER EMPFNGERBANK Betrag: bis zu 12 500 EUR Tarif Australien zugunsten von Kunden der National Australia Bank 3,00 EUR Australien zugunsten von Drittkunden 9,50 EUR Benelux (Belgien, Niederlande, Luxemburg) 2,50 EUR Tschechische Republik 9,00 EUR Frankreich 3,50 EUR Ungarn 9,00 EUR Deutschland 2,20 EUR sterreich 3,00 EUR Rumnien: zugunsten von Kunden der Banca Comerciala Romana S.A. 9,00 EUR Rumnien: zugunsten von Drittkunden 15,00 EUR Kroatien: zugunsten von Kunden der Erste & Steiermrkische Bank d.d. 9,00 EUR Kroatien: zugunsten von Drittkunden 15,00 EUR Slowenien 10,00 EUR Spanien 2,00 EUR Schweiz 2,40 EUR Italien 2,40 EUR Grossbritanien 6,50 EUR Sonstige Lnder 7,00 EUR SONSTIGE ZAHLUNGEN HUF- Zahlungen nach Ungarn RON - Zahlungen nach Rumnien - zugunsten von Kunden der Banca Comerciala Romana S.A. - zugunsten von Drittkunden GBP - Zahlungen nach Grobritanien CHF- Zahlungen in die Schweiz CAD - Zahlungen nach Kanada PLN - Zahlungen nach Polen SEK - Zahlungen nach Schweden CZK - Zahlungen in die Tschechische Republik: - zugunsten von Kunden der eska spoitelna, a.s. - zugunsten von Fremdbankkunden HRK - Zahlungen zugunsten von Erste & Steiermrkische Bank d.d. USD - Zahlungen: - zugunsten von US-Bankkunden - zugunsten von Kunden sonstiger Banken Zahlungen nach Australien: - in AUD zugunsten von Kunden der National Australia Bank - in AUD zugunsten von Drittkunden Zahlungen ausgenommen EUR/USD in sonstige Lnder: - bis zu 12 500 EUR (bzw. Gegenwert) - von 12 500 - 50 000 EUR (bzw. Gegenwert) - ber 50 000 EUR (bzw. Gegenwert) EUR-ZAHLUNGEN 12 500 - 50 000 EUR ber 50 000 EUR Tarif Tarif 3,00 EUR 9,50 EUR 10,00 EUR 9,00 EUR 4,00 EUR 9,00 EUR 8,00 EUR 10,00 EUR 9,00 EUR 15,00 EUR 9,00 EUR 15,00 EUR 10,00 EUR 6,00 EUR 2,40 EUR 2,40 EUR 6,50 EUR 16,00 EUR 3,00 EUR 9,50 EUR 40,00 EUR 9,00 EUR 15,00 EUR 9,00 EUR 10,00 EUR 10,00 EUR 9,00 EUR 15,00 EUR 9,00 EUR 15,00 EUR 20,00 EUR 10,00 EUR 2,40 EUR 2,40 EUR 6,50 EUR 25,00 EUR Tarif 9,00 EUR

9,00 EUR 15,00 EUR 4,00 GBP 3,90 CHF (bzw. Gegenwert in EUR) 7,00 CAD (bzw. Gegenwert in EUR) 10,00 PLN (bzw. Gegenwert in EUR) 45,00 SEK (bzw. Gegenwert in EUR) 0,00 CZK 250,00 CZK 15,00 EUR 0,20 USD 9,00 USD 5,00 AUD 15,00 AUD 15,00 EUR 30,00 EUR 50,00 EUR

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4) Zahlungsverkehr Bargeldtransaktionen: Kassen- und Wechselgeschft

a) Bareinzahlungen und abhebungen
BAREINZAHLUNGEN UND ABHEBUNGEN GEBHR Bareinzahlung aufs Konto gefhrt in der Bank Barabhebung 1/
1/

In der Geschftsstelle Tarif 0,45 1,90

Die Abhebung in einer nach Kundenantrag vordefinierten Struktur der Mnzen / Banknoten unterliegt auch einer Gebhr fr Umtausch von Banknoten und Mnzen.

b) Sonstige Kassendienstleistungen
Kassen- und Wechseldienstleistungen 1/ Behandlung von Mnzen bei Bargeldeinzahlung / -abhebung a) Nennwert: 0,01 EUR; 0,02 EUR; 0,05 EUR b) Nennwert: 0,10 EUR; 0,20 EUR; 0,50 EUR, 1 EUR, 2 EUR Umtausch von Banknoten und Mnzen verschiedener Nennwerte die vom Kunden der Bank vorgelegt bzw. von der Bank 2/ dem Kunden bergeben wurden Bearbeitung beschdigter EUR- Banknoten Ankauf von seltenen FW-Banknoten; sowie proklusiven Banknote Banknoten -

Mnzen 0,20 fr jede angefangene 100-Packung 1,00 fr jede angefangene 100-Packung

0,01 pro Stck; 0,01 pro Stck; Mindestens 0,60 Mindestens 0,60 1,60 / Banknote 30 % vom Banknotenwert min.1,30 An- und Verkauf von Devisen laut Kursblatt der Slovensk sporitea 0,00 Geldwechsel (Whrung gegen Whrung) - Konversion 0,00 Nichtausfhrung der avisierten Barabhebung 0,1 % von betrags Die ersten 100 Mnzstcke mit hchstem Nominalwert innerhalb eines Tages sind gebhrenfrei. Die Gebhrenberechnung geht von der berlegenheit von vorgelegten bzw. abgegebenen Banknoten oder Mnzen aus.

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Surcharge to Transfer with Payment Condition OUR

COUNTRY OF PAYEE`s BANK Payment volume: up to EUR 12,500 Rate Australia for account of The National Australia Bank EUR 3.00 Australia for account of the third party client`s EUR 9.50 Benelux (Belgium, Netherlands, Luxembourg) EUR 2.50 Czech republic EUR 9.00 France EUR 3.50 Hungary EUR 9.00 Germany EUR 2.20 Austria EUR 3.00 Romania: - for account of Banca Comerciala Romana S.A. EUR 9.00
Romania: - for account of other banks in Romania EUR 15.00

PAYMENTS in EUR EUR 12,500 - 50,000 above Rate EUR 3.00 EUR 9.50 EUR 10.00 EUR 9.00 EUR 4.00 EUR 9.00 EUR 8.00 EUR 10.00 EUR 9.00
EUR 15.00

EUR 5,000 Rate EUR 3.00 EUR 9.50 EUR 40.00 EUR 9.00 EUR 15.00 EUR 9.00 EUR 10.00 EUR 10.00 EUR 9.00
EUR 15.00

Croatia: - for account of Erste & Steiermrkische Bank d.d.

Croatia: - for account of other banks in Croatia

EUR 9.00
EUR 15.00

EUR 9.00
EUR 15.00

EUR 9.00
EUR 15.00

Slovenia EUR 10.00 Spain EUR 2.00 Switzerland EUR 2.40 Italy EUR 2.50 United Kingdom EUR 6.50 Other countries EUR 7.00 OTHER PAYMENTS Payments in HUF to Hungary Payments in RON to Romania - for account of Banca Comerciala Romana S.A. - v prospech inch bnk Payments in GBP to United Kingdom Payments in CHF to Switzerland Payments in CAD to Canada Payments in PLN to Poland Payments in SEK to Sweden Payments in CZK to Czech republic: - for account of esk spoitelna, a.s. clients - for account of other bank`s clients Payments in HRK to Croatia Payments in USD: - for account of a bank to the USA - for account of other banks Paymnents in AUD: - in AUD for account of National Australia Bank client`s - in AUD for account of other bank`s clients Payments in all currencies except EUR/USD to other countries: - up to EUR 12,500 (or equivalent) - from EUR 12,500 up to EUR 50,000 (or equivalent) - above EUR 50,000 (or equivalent)

EUR 10.00 EUR 6.00 EUR 2.40 EUR 13.50 EUR 6.50 EUR 16.00

EUR 20.00 EUR 10.00 EUR 2.40 EUR 75.00 EUR 6.50 EUR 25.00 Rate EUR 9.00

EUR 9.00 EUR 15.00 GBP 4.00 CHF 3.90 (or equivalent in EUR) CAD 7.00 (or equivalent in EUR) PLN 10.00 (or equivalent in EUR) SEK 45.00 (or equivalent in EUR) CZK 0.00 CZK 250.00 HRK 15.00 USD 0.20 USD 9.00 AUD 5.00 AUD 15.00 EUR 15.00 EUR 30.00 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

FEE ITEM
Cash Deposit to Account being maintained in Bank 1/ Cash Withdrawal :
1/

in Branch
Rate
0.45 1.90

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

b) Other Cash-Desk Services

CASH-DESK & CURRENCY-EXCHANGE SERVICES

Processing of coins by depositing / withdrawing cash a) nominals: 0.01 EUR; 0.02 EUR; 0.05 EUR
1/

BANKNOTES
-

COINS
0.20 for each loaded 100 pieces of coins 1.00 for each loaded 100 pieces of coins 0.01 a piece; min. 0.60 -

b) nominals: 0.10 EUR; 0.20 EUR; 0.50 EUR, 1 EUR, 2 EUR

Exchanging Banknotes and Coins of Various Nominal Values 0.01 a piece; 2/ being Brought in by Client or the Bank Consigned them to Client min. 0.60 Processing of Demaged Banknotes in EUR 1.60 / banknote Purchase of Foreign-currency Banknotes, which are not Normally 30 % of one banknote Purchased 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
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The first 100 pieces of coins with highest nominal value are free of charge within one day. The fundamentals for calculation of this fee is higher number of banknotes / coins (it means brought in or consigned).

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5) Debit Cards
a) Electronic Payment Cards
FEE ITEM / CARD TYPE VISA Electron VISA Electron Sphere Maestro

Fee for Payment Card Fee for Express Issuance of Payment Card Fee for Re-issuance of Payment Card in case when it was lost or stolen Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.) via Electronic Services Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.) in Branch and Sporotel PIN Code Re-print Client failed to takeover its Payment Card within 90 Days of Production Date Additional Services to These Cards: Travel Insurance KOOPERATIVA - Individual Insurance for Card Holder - Family Insurance - Additional Insurance of Family Members Fee for Own Card Service (by each generation of the Own Card)

8.00 yearly 40.00 5.00 0.70 1.80 3.50 -

8.00 yearly 40.00 5.00 0.70 1.80 3.50 -

12.55 yearly 29.94 yearly 17.39 yearly 5.00

12.55 yearly 29.94 yearly 17.39 yearly 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 Fee for Express Issuance of Payment Card 40.00 Fee for Re-issuance of Payment Card in case when it was lost or stolen 5.00 Change 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 PIN Code Re-print 3.50 Client failed to takeover its Payment Card within 90 Days of Production Date Additonal Services to These Cards Travel insurance KOOPERATIVA - individual insurance for Card Holder 21.91 yearly - family insurance 47.97 yearly - additional insurance of family members 26.06 yearly IAPA (VISA ) / ECI (MasterCard) membership 99.58 yearly Fee for Own Card Service (by each generation of the Own Card) 5.00

20.00 yearly 40.00 5.00

120.00 yearly* 120.00 yearly* 40.00 40.00 5.00 5.00

0.70

0.70

0.70

1.80 3.50 -

1.80 3.50 14.00

1.80 3.50 14.00

21.91 yearly in the card price in the card price 47.97 yearly 26.06 yearly 30.31 yearly 30.31 yearly 99.58 yearly in the card price in the card price 5.00 -

* Fee for Payment Card consists of following two components: the payment instrument fee including IAPA Membership (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:
FEE ITEM / PLACE OF MAKING THE TRANSACTION Fee for Cash Withdrawal with Payment Card from ATM Cross-border Conversion Fee for Maestro 3/ Card and MasterCard Holders
1/

ATM of ATM of ATM of Other Bank in Slovakia 1/ Slovensk ERSTE Gr.. and ATM in EEA Country by 2/ sporitea (Abroad) Euro Currency Withdrawal 0.15
-

ATM of Other Bank Abroad 5.00 0.16 % of transaction

0.15 0.16 % of transaction

1.30
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Banks of the ERSTE Group: Austria Erste Bank der sterreichischen Sparkassen AG; Niedersterreichische Sparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech republic esk spoitelna, a.s.; Croatia Erste & Steiermrkische d.d.; Romania Banca Comercial Romn 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. 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. 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.

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3/

Cash Withdrawal from POS Terminal or Imprinter in Bank, other Bank or by Shop:
FEE ITEM / PLACE OF MAKING THE TRANSACTION Fee for Cash Withdrawal with Payment Card from POS terminal or Imprinter Cross-border Conversion Fee for Maestro Card 3/ and MasterCard Holders In Slovakia and in EEA Country 2/ by Euro Currency Withdrawal 2.00 Abroad 9.00 0.16 % of transaction

Non-cash Payment for Goods and Services:

FEE ITEM / PLACE OF MAKING THE TRANSACTION In Slovakia Fee for Non-cash Payment with Payment Card for Goods and Services (POS) 0.15 3/ Cross-border Conversion Fee for Maestro Card and MasterCard Holders Abroad 0.15 0.16 % of transaction

Cash back Service:

FEE ITEM / PLACE OF MAKING THE TRANSACTION Fee for using Cash back Service (per each cash withdrawal) In Slovakia 0.10 Abroad -

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Displaying of Account Balance at ATM:

FEE ITEM / PLACE OF MAKING THE TRANSACTION Fee for displaying Account Balance at ATM`s ATM of Slovensk sporitea 0.00 ATM of
ERSTE Group
1/

(Abroad) 0.30

ATM of Other Bank in Slovakia 0.30

ATM of Other Bank Abroad 0.30

PIN Change at ATM*:

ATM of Slovensk sporitea Fee for Changing PIN at ATM`s 2.00 * Fee item valid after service implementation. FEE ITEM / PLACE OF MAKING THE TRANSACTION ATM of
ERSTE Group
1/

(Abroad) 2.00

ATM of Other Bank in Slovakia 2.00

ATM of Other Bank Abroad 2.00

The SLSP recommends:

Do you wish to save on fees for cash withdrawals? We recommend to use payment cards in Slovensk sporiteas ATMs. Each such withdrawal can save you as much as 1.75 in comparison with an in-branch withdrawal, and 1.15 in comparison with a withdrawal from other banks ATM in Slovakia (ZBK). Slovensk sporitea has the most extensive ATM network in Slovakia. When staying in countries, where ERSTE Group banks operate, withdraw cash from ATMs marked with an ERSTE logo. By doing so you will save a minimum of 4.85 per each cash withdrawal.

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6) Credit Cards
Revolving Credit Cards
FEE ITEM / CARD TYPE VISA Classic Electronic VISA Classic Embossed VISA Gold Embossed

Fee for Credit Card Fee for Additional Credit Card Fee for Re-issuance of Credit Card in case when it was lost or stolen Card Account Maintenance Fee Change in Credit-Card-Use Contractual Conditions in the Bank Branch (particularly the Change of Total Card Limit) Fee for Exceeding the Total Card Limit PIN Code Re-print Fee for Sending a Reminder (1st, 2nd, 3rd Reminder) Statements Sending a Duplicate Statement Establishment of Direct Debit Service used for One-off Credit Card`sLoan Repayment Fee for Cash Repayment to Card Account Credit Card Use: a) Non-cash Payment for Goods and Services b) Cash Withdrawal from ATM c) Cash Withdrawal from POS Terminal in Bank, Other Bank or in Shop 1/ d) Changing PIN at ATM`s Additional services to these cards: Provision of Emergency Cash for Credit Card Holder being Abroad (by Lost or Stolen Card) Provision of Emergency Credit Card for Holder being Abroad (by Lost or Stolen Card)
1/

15.00 yearly 6.00 5.00 in the card price

25.00 yearly 0.00 yearly* 6.00 5.00 in the card price

50.00 yearly 0.00 yearly* 6.00 5.00 in the card price

0.00 10.00 3.50 10.00 in the card price 0.00 5.00 2.50 0.00 5.00 9.00 2.00

0.00 10.00 3.50 10.00 in the card price 0.00 5.00 2.50 0.00 5.00 9.00 2.00

0.00 10.00 3.50 10.00 in the card price 0.00 5.00 2.50 0.00 5.00 9.00 2.00

130.00 165.00

Fee item valid after service implementation.

* Refunding of yearly Fee for the Main Credit Card is conditioned by fulfilment of all provisions being set within the 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 1/ Passbook in EUR 0.00 0.00 6.65 / 0.00* 6.65 / 0.00* 3.50 3.32 Saving to Personal Account 0.00 0.00 0.00 Term Deposit Short-term Deposit (Deposit account) 0.00 0.00 0.00

Opening Cancellation Change

1/

Since September 1, 2009 Slovensk sportitea, 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 Establishing an interdiction on payouts upon the client`s request Payout of deposit from lost, destroyed or stolen passbook without passbook invalid. proceedings under a special regulation Starting passbook invalidation proceeding process Issuance of a replacement passbook if damaged by client
1/

Capital Passbook /1 in EUR 3.50

SPORObonus

3.50

6.65 6.65 2 % of invalidated deposit volume; 2 % of invalidated deposit vol.; min. 6.65 min. 6.65 max. 33.00 max. 33.00 3.50 3.50

Since September 1, 2009 Slovensk sportitea, 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. Rate 0.00 1.00 per page 1.00 per page 0.50 + VAT Price incl. VAT: 0.60

FEES FOR STATEMENTS TO DEPOSIT ACCOUNTS Statement Issuance and Sending per Post for Each Envelope within Slovak republik Statement Issuance of Turnover Accruals in Branch Duplicate Account Statement (copy of statement) Statement Delivery through a Safe-deposit Box (monthly fee)

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8) Programm for youth *

a) Card iXtra - Prepaid Card for Youth
FEE ITEM / CARD TYPE Card iXtra

Purchase of Card iXtra with a Credit of EUR 10.00 Purchase of Card iXtra with a Credit of EUR 10.00 to the Holder of iXtra bonus Product or Holder of iXtra life junior Insurance Product Express Delivery of Card iXtra Renewal of Card iXtra after Expiration Fee for Re-issuance of Card iXtra in case when it was lost or stolen PIN Code Re-print Change of Card Limit Card iXtra charging Non-cash Charging of Card iXtra Cash Charging of Card iXtra in Branch Card iXtra Using Non-cash Payment Realised at Merchants in the Slovak republic and Abroad 1/ Cash Withdrawal from ATM of Slovensk sporitea and ERSTE Group Abroad Cash Withdrawal from ATM of Other Bank in Slovakia and Cash Withdrawal from 2/ ATM in EEA Country in Euro Currency Cash Withdrawal Realised Abroad from ATM of Other Banks Displaying Account Balance at ATM`s of SLSP Displaying Account Balance at ATM`s of Other Bank in Slovakia and Abroad Changing PIN code at ATM`s* Statements to Card iXtra Account Statement Issuance in Monthly or Higher Frequency and its: a) Dispatching by Post within Slovak republic or, b) Sending Electronically through Mailbanking service Internetbanking Fee for Use of Internetbanking Service
1/

13.50 10.00 40.00 3.50 5.00 3.50 1.80 0.00 0.45 0.00 0.00 1.30 5.00 0.00 0.30 2.00 0.00

0.00

Banks of the ERSTE Group: Austria Erste Bank der sterreichischen Sparkassen AG; Niedersterreichische Sparkasse AG; Die Zwiete Wiener Vereins-Sparkasse AG; Salzburger Sparkasse AG; Tiroler Sparkasse AG Innsbruck; Hungary Erste Bank Hungary NYRT.; Czech republic esk spoitelna, a.s.; Croatia Erste & Steiermrkische d.d.; Romania Banca Comercial Romn 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. 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. 20

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b) iXtra Bonus Passbook for Youth

FEE ITEM / PRODUCT Opening Cancellation Change at Passbook Establishing an Interdiction on Payouts upon the Clients Request Payout if Deposit from a Lost, Destryed or Stolen Passbook without Passbook Invalidation Proceedings under a Special Regulation Starting Passbook Invalidation Proceeding Process Issuance of a Replacement Passbook if Damaged by Client
*

iXtra Bonus 0.00 6.65 / 0.00* 3.50 3.50 6.65 2 % of invalidated deposit volume; min. 6.65, max. 33.00 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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9) Loans
a) Housing Loans*
FEE ITEM / LOAN TYPE Loan Processing Fee Loan Amount Housing Loan Mortgage Loan for young people (in EUR) Rate 7,000 - 19,999 ................................................................. 199.00 20,000 - 29,999 ................................................................. 299.00 30,000 - 49,999 ................................................................. 399.00 50,000 - 69,999 ................................................................. 599.00 70,000 - 99,999 .................................................................. 799.00 100,000 and more ................................................................. 999.00 3.49 monthly

Loan Administration Fee

Fee for Early Repayment of Whole Loan Amount 1/, 2/ or its Part by Extraordinary Instalment : a) by Loans with Fixed Interest Rate being repaid 1 Month after the End of Fixation Period b) by Loans with Fixed Interest Rate being repaid otherwhile than 1 Month after the End of Fixation Period Fee Charged for Change of Interest Rate Type: from Variable Interest Rate or Variable Advantageous Interest Rate to Fixed Interest Rate Other fees: Fee for Loan Instalment Payout in Cash Fee Charged for Changes in Contractual Conditions and Other Loan Services - Requested by Client Reminders: Reminder Loan Insurance Fees: Basic Insurance Package Basic Insurance Package Complex Insurance Package Real Estate Insurance: Fee - Real Estate Insurance
*

0.00 2% of Extraordinary Instalment Amount x Number of Days until end of Fixation Period / 360

2 % of Outstanding Loan Balance 2.50 99.00 25.00 1 person insured 7.90 % of loan instalment due / monthly 10.00 % of loan instalment due / monthly 13.50 % of loan instalment due / monthly by individual contractual conditions

NOTES: - To these loans are refering also fees listed in Part 13) Other Services. - Since September 1, 2009 Slovensk sportitea, 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. For Loans being granted based upon Loan Agreement concluded until January 31, 2006 the following fee will be charged: 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. Free of Charge by mortgage loans for youth during the 5-year period since loan granting and beginning of interest-bearing term.

1/

2/

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b) Consumer Loans for Whatever *

FEE ITEM / LOAN TYPE Loan Processing Fee Loan Amount Consumer Loan for Whatever Consumer Loan for Whatever for University Students
1/

(in EUR) Rate 700 - 1,999 ................................................................................... 39.00 2,000 - 3,999 ................................................................................... 79.00 4,000 - 5,999 ................................................................................. 119.00 6,000 - 9,999 ................................................................................. 169.00 10,000 and more ................................................................................. 239.00 Loan Administration Fee 2.99 monthly Fee for Early Repayment of Whole Loan Amount 2/ of its Part by an Extraordinary Instalment 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 Date b) if Loan Maturity Date is 1Year or less 0.50% of Extraordinary Instalment Amount, max. Interest Amount the Client would pay between Loan Repayment Date and Contractual Loan Maturity Date Fee for Loan Instalment Payout in Cash 2.50 Fee Charged for Changes in Contractual Conditions and 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 Slovensk sportitea, a.s. carried out modifications in denomination of selected products. These fees are valid also for purpose and non-purpose consumer loan product being used up to August 31, 2009. These fees are also valid for: - Consumer Loan for Whatever for young people - Consumer Loan for Whatever secured by financial means - Plynover (Loan for Gas Connection Purpose)

1/

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 Demand to reduce the Total Costs related to Loan. - Free of charge for Consumer loan for Whatever secured by financial means and granted upon Loan Agreements that 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 Reminders: Reminder Rate 10.00

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10) Electronic Banking

a) Internetbanking, Telephonebanking, Electronic Service Package on Mobile Phone and Mailbanking
FEES FOR USING SERVICES Internetbanking Telephonebanking Electronic Service Package on Mobile Phone: Mobilbanking, SMSbanking (SMS /2 Statement), SMS notification , SMS key for each Client / Authorized Person Mailbanking: E-mail Statement and E-mail notification
1/ 2/

Rate 1/ 1.00 monthly per Account 0.00 1.00 monthly 0.00

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

b) Administration of Security Objects: - Password, GRID, and EOK for Electronic Banking Services
FEES FOR ADMINISTERING SECURITY OBJECTS Re-issuance of PIN Envelope with Password for Electronic Services Issuance, Re-issuance of GRID Card Activation of a New Electronic Personal Key (EPK) EPK Unlocking (6 incorrectly entered PIN`s) EPK Reactivation (by repeated typing of incorrect unlock code) Rate 1.00 2.00 80.00 3.00 15.00

The SLSP recommends:

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Using electronic banking is the cheapest, fastest and most comfortable way of making banking transactions. The accounting item for executing a one-off payment order via Internetbanking is as little as 0.15, and is waived completely if the payment is made by a product and service package. For comparison, the fee for the same service 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 5 3 3 3 3 3 SAFE-DEPOSIT BOX up to 7,000 cm up to 13,000 cm up to 25, 000 cm up to 45,000 cm over 45,000 cm 1/ Monthly fee 1.50 + VAT 2.00 + VAT 3.50 + VAT 5.00 + VAT 6.50 + VAT price 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 concluded for a period shorter than one month. The price for using a safe-deposit box includes also the insurance of client property deposited inside the box. The insurance amount covers a worth of 25,000 for each safe-deposit box.

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12) Securities
a) Securities Trading - with Slovak and Foreign Securities
PURCHASE / SALE OF SECURITIES EUR 0.01 - EUR 15,000 EUR 15,000.01 - EUR 30,000 EUR 30,000.01 - EUR 150,000 EUR 150,000.01 - EUR 500,000 above EUR 500,000.01 Change in Order Conditions Order Cancellation from Client`s side Fee for Unrealized Order
1/

BONDS 1/ 0.70 % min. 25.00 105.00 + 0.50 % from volume over EUR 15,000 180.00 + 0.25 % from volume over EUR 30,000 480.00 + 0.12 % from volume over EUR 150,000 900.00 + 0.05 % from volume over EUR 500,000 3.00 3.00 3.00

SHARES 1/ 1.00 % min. 25.00 150.00 + 0.70 % from volume over EUR 15,000 255.00 + 0.50 % from volume over EUR 30,000 855.00 + 0.25 % from volume over EUR 150,000 1,730.00 + 0.10 % from volume over EUR 500,000 3.00 3.00 3.00

Of Transaction Volume (for Bonds without interest earned).

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

PROPERTY ACCOUNT MAINTAINED BY SLOVENSK SPORITEA Account Opening Fee and Account Cancellation Fee Account Maintenance Fee 1/ Status Statement Issuance Fee
1/

Rate 0.00 0.2 % max. 100.00 3.00

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

c) Custodian Services to Foreing Securities:

CUSTODY OF FOREING SECURITIES 1/ If Portfolio Value does not Exceed EUR 30,000 If Portfolio Value Exceed`s EUR 30,000
1/

Rate 0.4 % 1/ 120.00 + 0.06 % of volume over EUR 30,000 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 th Course and Sale Course for given currency being valid in particular day. The fee is due as of each January of 15 of calendar year, as for precedent calendar year. The fee includes VAT.

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d) Securities Transfer:
TRANSFER OF SLOVAK SECURITIES Assignation of Securities (e.g. Heritage)
1/

Paid-up Transfer of Securities with Financial Settlement Other Types of Transfers TRANSFER OF FOREIGN SECURITIES 1/ Transfer of blocked EBG shares obtained through ESOP Program Transfer and Assignation of foreign securities being maintained at SLSP (if both Property Accounts: Transferor`s & Acquirer`s are administered Transfer and Assignation of Foreing Securities Transfer and Assignation of Foreign Securities being Issued in Countries like: Hong Kong, Croatia, Romania, Singapore, Turkey
1/

Rate 20.00 + 0.03 each piece of Security 0.1 % min. 10.00 max. 450.00 20.00 Rate 15.00 15.00 paid by Transferor 15.00 paid by Acquirer 65,00 150,00

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

e) Other Services Relating with Securities:

OTHER SERVICES Registering the Contractual Right of Lien Registration of Change / Cancellation of Contractual Lien Other Services - Unspecified Rate 0.15 % of Receival Amount (min. 30.00, max. 2,500.00) 30.00 5.00 of Each Started 15 Minutes of Work

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

f) Associated Money Account:

ASSOCIATED ACCOUNT Account Opening Fee and Account Maintenance Fee Periodical Issuance and Posting Statement (monthly / quarterly / binanually / yearly) Ather Statements and Further Operations / Services related to Account Rate free of charge 0,30 + postage alike by Current Accounts

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13) Other Services

FEES FOR OTHER SERVICES Other Services not Specified in Service Charge List (for each 15 minutes or part thereof) Provided to Clients ARCHIVED DOCUMENT RETRIEVAL Retrieval of Documents Archived not Longer than 6 Months Retrieval of Documents Archived Longed than 6 Months PLEDGING FUNDS Pledging funds to an account (current accounts, deposit accounts, passbooks) Agent's remuneration (fee) OTHER FEES Sending a Notice to the Tax Office Actions before Preparing a Proposal to Start Judicial Proceedings Making a Photocopy of Bank Document or Deed upon Client's Request ISSUANCE OF CONFIRMATIONS Issuance of Confirmation related to the Loan upon Client's Request Issuance of Confirmation related to the Loan upon Request of Third Party (Taxing Authority, Executors, etc.) Issuance of Confirmation related to the: Current Account, Passbook, Term Deposit (Deposit account) and Guaranteed Deposit upon Client's Request Issuance of Confirmation on Withholding Tax Amount being charged at Passbooks upon Client's Request Issuance of Confirmation about Remittance of Means from an Account being carried out upon Client's Request PROVISION OF LEGAL INTEROPERATION SERVICES Bank Expenditures Related to Provision of a Legal Interoperation Request - Searching for Ordinary Data Bank Expenditures Related to Provision of a Legal Interoperation Request - Searching for Older Data, or Deeds from Central Registry Bank Expenditures Related to Provision of a Legal Interoperation Request in electronic form (Searching for Ordinary Data) Bank Expenditures Related to Provision of a Legal Interoperation Request in electronic form (Searching for Older Data, or Deeds from Central Registry) Rate 5.00 Rate 20.00 30.00 Rate 70.00 3.32 Rate 0.00 + Postage 7.00 0,20 per page + VAT price incl. VAT: 0.24 per page Rate 0.00 20.00 + VAT

3.50 0.00 3.50 Rate 20.00 + VAT price incl. VAT 24.00 30.00 + VAT price incl. VAT 36.00 8.00 + VAT price incl. VAT 10.00 20.00 + VAT price incl. VAT 24.00

Bank Information
FEES FOR PROVIDING BANK INFORMATION Giving Bank Information upon Clients Request (3 Original pieces) Express Surcharge for Giving Bank Information within 24 Hours Rate 20.00 + VAT price incl. VAT 24.00 40.00 + VAT price incl. VAT 48.00

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II. Subsidiaries products and services sold in Slovensk sporiteas branches

14) Mutual Funds
The fees are specified in the service charge list of the company Asset Management Slovenskej sporitene, prv. spol., a.s.. Additional info can be obtained in any branch of SLSP, a.s. or at: Asset Management Slovenskej sporitene, sprv. spol., a. s. Tomikova 48 832 65 Bratislava Mailing address Tomikova 48 832 65 Bratislava SPOROtel: 0850 111 888 e-mail: info@amslsp.sk http://www.amslsp.sk

15) Leasing Services

The fees are specified in the service charge list of the company Leasing Slovenskej sporitene, a.s. Additional info can be obtained in any branch of SLSP, a.s. or at: Leasing Slovenskej sporitene, a. s. Tomikova 48 832 69 Bratislava Mailing address Tomikova 48 832 69 Bratislava telephone: 02/486 29444 e-mail: info@lslsp.sk http://www.leasingslsp.sk

16) Life Insurance

No fees are levied for life insurance products sold in the banks branches. Additional info can be obtained in any branch of the bank or at: Poisova Slovenskej sporitene, a.s. Tomikova 48 832 37 Bratislava Tel.: +421 2 4862 9300 Fax: +421 2 4862 7040 e-mail: pslsp@pslsp.sk http://www.pslsp.sk

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III. Existing Products and Services No Longer Being Sold by SLSP, a.s.
17) Product and Service Packages
PRODUCTS AND SERVICES INCLUDED Package IN THE PRICE OF THE PACKAGE EXTRA Account Opening Account Maintenance Account Statement Issuance in Monthly or Higher Frequency and its: a) Dispatching by Post within Slovak republic or, b) Sending Electronically through Mailbanking service or, c) Personal Takeover by Client Request
Establishing and Providing Services: Internetbanking (IB), Telephonebanking (TB) Package of Electronic Services on Mobile Phone: Mobilbanking, SMSbanking (SMS Statement), SMS notification, SMS key / for Client or Authorized Person Mailbanking: E-mail Statement and E-mail Notification Establishment of Standing Payment Order / Direct Debit Change or Cancellation of Standing Payment Order / Direct Debit via Electronic Services in Branch Establishment and Administration of Permitted Overdraft Issuance of First GRID Card to Account Holder Discount from Fee for Cash withdrawal by Payment Card 1/ in ATM of Slovensk sporitea and ERSTE Gr. (abroad) Discount from Fee for Cash withdrawal by Payment Card from Other bank`s ATM in Slovakia and from ATM in EEA 2/ Country in Euro Currency Discount from Fee for Non-cash Payment for Goods and Services by Payment Card Discount from Fee for Non-cash Deposit to Account Crediting Funds to Account Discount from Fee for Execution of a Standing Payment Order or Direct Debit (domestic payment system) and SEPA Direct Debit Discount from Fee for Execution of One-off Payment Order via Electronic Services (domestic payment system) Discount from Annual Fee for Issuance of One Electronic Payment Card (VISA Electron or Maestro) to to Account Holder Discount from Annual Fee for Issuance and Renewal of One Embossed Payment Card (MasterCard Mass or VISA Classic) to Account Holder - Pending Whole Card Validity Discount from Annual Fee for Issuance and Renewal of VISA Golds and MasterCard Gold Payment Card for the price of Additional Services ( 49.79 yearly) - Pending whole Card Validity (if Client does not have issued an another embossed Payment Card) *

Package Package Fee for Service not EXTRA PLUS EXCLUSIVE Included in Package 0.00 2.06 monthly 0.00

Products and Services

IB = 1.00 monthly TB = 0.00 monthly 1.00 monthly per Account 0.00 0.00 0.50 0.50 0.00 2.00 50 % 100 % 0.15

Transactions

100 % 100 %

100 % 100 %

100 % 100 % 100 %

1.30 0.15 0.15

100 %

50 % 100 %

100 %

0.15 0.15

100 % 100% pending 100 % first 100 % first card validity and card first year card first year after card renewal

8.00 yearly

Cards

50 %

100 %

20.00 yearly

Monthly fee for Product and Service Package

1/ 2/

2.30

3.62

120.00 yearly 7.28

Banks of the ERSTE Group: list of banks published on page 13. EEA Countries = list of countries published on page 13. Travel Insurance

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

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18) Current Accounts a) SPOROgiro

FEE ITEM / PRODUCT TYPE Account Maintenance Change in Operating an Account FEES FOR ACCOUNT STATEMENTS Account Statement Issuance in Monthly or Higher 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) and its Dispatching by Post within Slovak republic Additional Account Statement Issuance upon Client`s Request Issuing a Statement of Turnover Accruals in Branch Duplicate Account Statement Issuance (copy of statement) Statement Delivery trough a Safe-deposit Box (monthly fee)
1/

SPOROgiro junior /1 0.00 monthly 0.00 SPOROgiro junior /1 0.00

SPOROgiro in AUD, CAD, CHF, SEK and HUF 2.06 monthly 1.65 SPOROgiro in AUD, CAD, CHF, SEK and HUF 0.00

0.30 + Postage Charge 1.00 per Page 1.00 per Page 1.00 per Page 0.50 monthly + VAT price incl. VAT: 0.60

0.30 + Postage Charge 1.00 per Page 1.00 per Page 1.00 per Page 0.50 monthly + VAT price incl. VAT 0.60

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 Account Statement Issuance and its Personal Takeover in Envelope Personal Takeover of Account Statement by Client Request Additional Account Statement Issuance requested by Client Personal Account Personal Takeover of Acc ount Statement by Client Request iXtra karta Personal Takeover of Account Statement by Client Request Additional Account Statement Issuance requested by Client Rate
0.00

0.00 1.00per page O Rate

0.00

Sadzba 0.00 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 with notice of withdraws, Capital Passbook in FCY 1/, SPORObook Ace, SPORObonus Pension SPORObook 18 Certificate of Deposit

Cancellation Change at Passbook / Certificate of Deposit Establishing the interdiction on payouts upon the owner's request Payout of deposit from a lost, destroyed or stolen passbook without invalidation proceedings under a special regulation
Starting passbook invalidation proceeding process

6.64 / 0.00* 3.50 3.50

3.50 3.50

3.50 3.50

6.65
2% of invalidated deposit volume; min. 6.65 max. 33.00

2% of invalidated deposit volume; min. 6.65 max. 33.00

Issuance of a replacement passbook if damaged by client

1/

3.50

3.50

Since September 1, 2009 Slovensk sportitea, 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 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

Term deposit with no possibility of premature Rent saving termination in EUR; Term deposit in CHF, CAD, HUF Cancellation 0.00 0.00 Early termination 0.00 50 % of revenues generated for payouts less income paid out FEES FOR STATEMENTS TO DEPOSIT ACCOUNTS Rate Statement 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 Statement Delivery through a Safe-deposit Box 0.50 + VAT (monthly fee) Price incl. VAT: 0.60 FEES FOR RENT SAVING PRODUCT STATEMENTS Rate Statements posted once per year 0.00 TERM DEPOSITS (DEPOSIT ACCOUNTS) Rate Statement Issuance and its Personal Takeover in Envelope 0.00 FEE ITEM / PRODUCT

Statements - stopped services

TERM DEPOSITS (DEPOSIT ACCOUNTS)
Elaboration of Account Statement upon Client`s Request

Rate
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 Fee for Express Issuance of Payment Card Fee for Re-issuance of Payment Card in case when it was lost or stolen Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.) via Electronic Services Change in Payment-Card-Use Conditions of Contract (e.g. limit, re-issuance, etc.) in Branch and Sporotel PIN Code Re-print Client failed to takeover its Payment Card within 90 Days of Production Date Additional Services to These Cards: 2/ Displaying Account Balance at ATM`s of SLSP Displaying Account Balance at ATM`s of Other Bank in Slovakia and Abroad Changing PIN code at ATM`s 3/
1/

8.30 yearly * 40.00 5.00 0.70 1.80 3.50 6.00 0.00 0.30 2.00

Fee for Payment Card consists of following two components: the payment instrument fee amounting 1.66 and the CKM SYST membership fee amounting 6.64. Both fees: the Payment instrument fee and the Membership fee are charged separately by the Bank as two self-existent fee items. Other Fees applied for usage of Payment Card EURO<26 VISA Electron are similar as by Debit Cards and are listed in part 5c on pages 13 and 14 of this Service Charge List. Fee item valid after service implementation.

2/

3/

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21) SPOROprofit Account and SPOROprofit Card

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.

FEE TYPE / CARD TYPE

SPOROprofit Card

Card Issuance and Use to Account Holder Card Issuance and Use to Authorized Person Fee for Express Card Issuance Fee for Card Re-issuance in case it was lost or stolen Change in Card-use Contract Conditions (e.g. limit, operations, etc.) in Branch and Sporotel PIN Code Re-print SPOROprofit Card Use TRANSACTION TYPE 1/ Cash Withdrawal from Sporitea`s ATM Displaying Account Balance at ATM`s of SLSP 2/ Changing PIN code at ATM`s
1/ 2/

0.00 5.00 40.00 5.00 1.80 3.50 SPOROprofit Card 0.15 0.00 2.00

SPOROprofit Card can only be used to make withdrawals from Slovensk sporitea`s ATMs. Fee item valid after service implementation.

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22) Credit Cards and Charge Cards

a) Revolving Credit Cards - Electronic
FEE ITEM / CARD TYPE VISA Gold Electronic

Fee for Credit Card Fee for Additional Credit Card Fee for Re-issuance of Credit Card in case when it was lost or stolen Card Account Maintenance Fee Change in Credit-Card-Use Contractual Conditions in the Bank Branch (particularly the Change of Total Card Limit) Fee for Exceeding the Total Card Limit Fee for Sending a Reminder (1st, 2nd, 3rd Reminder) PIN Code Re-print Statements Sending a Duplicate Statement Establishment of Direct Debit Service used for One-off Credit Card`s Loan Repayment Fee for Cash Repayment to Card Account Credit Card Use: a) Non-cash Payment for Goods and Services b) Cash Withdrawal from ATM c) Cash Withdrawal from POS Terminal in Bank, Other Bank or in Shop 2/ d) Changing PIN code at ATM`s Additional services to these cards: Provision of Emergency Cash for Credit Card Holder being Abroad (if its Credit Card was Lost or Stolen) Provision of Emergency Credit Card for Holder being Abroad (if its Credit Card was Lost or Stolen)
1/

30.00 / 13.28 yearly 6.00 yearly 5.00 in the card price 0.00 10.00 10.00 3.50 in the card price 0.00 5.00 2.50 0.00 5.00 9.00 2.00

1/

130.00 165.00

In Case when Client was Requested to Buy this Product via Direct Mail Containing Pre-approved Credit Card. Fee item valid after service implementation.

2/

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b) Charge Card Diners Club International

FEE ITEM / CARD TYPE Diners Club International

Fee for Payment Card One Additional Card issued to the Main Card Every Next Additional Card issued to the Main Card Issuance of Replacement Card (if Lost, Stolen or Damaged) with the Term and Parameters of the Original Card Blockage of Payment Card Card Limit Change Card Account Maintenance Fee Contractual Penalty (if Slovensk sporitea must collect an amount owed from a pledged amount on card account) Additional Services: Comprehensive Travel Insurance Services when Card is Lost or Stolen Access to Airport Lounges AVIS Card Charge Card Use: Purchase of Goods and Services Cash Withdrawal from ATM Fee for Overdue Payment Cash Withdrawal in Branch

129.00 yearly 0 yearly 59.00 yearly 0.00 0.00 0.00 0.00 20 % of amount owed in the price of the card in the price of the card in the price of the card in the price of the card Diners Club International 0.00 1.99 + 2.0 % of amount withdrawn 2.0 % of amount owed per month 4 % of amount withdrawn

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23) Loans
a) Social Loans: - for Real Estate - for Newly Married Couples
FEE ITEM Loan Administration Fee Fee for Changing Contractual Conditions on Client`s Request (caused by client) REMINDERS: Reminder Rate 1.66 monthly 16.60 10.00

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

FEE ITEM Administration fee for loans for 1st and 2nd wave of voucher privatization Rate 2.99 yearly

c) Overdraft Loan SPOROgiro + (personal loan)

FEE ITEM REMINDERS: Reminder Rate Free of charge 10.00

d) Loan Insurance
HOUSING LOANS LOAN INSURANCE Basic Insurance Package Advanced Insurance Package Complex Insurance Package CONSUMER LOANS FOR WHATEVER LOAN INSURANCE Advanced Insurance Package Complex Insurance Package Rate 2 persons insured 14.50 % of loan instalment due / monthly 16.50 % of loan instalment due / monthly 22.00 % of loan instalment due / monthly Rate 2 persons insured 6.00 % of loan instalment due / monthly 10.50 % of loan instalment due / monthly

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e) Mortgage Loan

FEE ITEM / LOAN TYPE Loan Administration Fee Fee for Early Repayment of Whole Loan Amount 1/ or its Part by Extraordinary Instalment ,: a) by Loans with Fixed Interest Rate being repaid 1 Month after the End of Fixation Period b) by Loans with Fixed Interest Rate being repaid otherwhile than 1 Month after the End of Fixation Period Fee Charged for Change of Interest Rate Type: from Variable Interest Rate or Variable Advantageous Interest Rate to Fixed Interest Rate Other fees: Fee for Loan Instalment Payout in Cash Fee Charged for Changes in Contractual Conditions and Other Loan Services - Requested by Client Reminders: Reminder

Mortgage loan 3.49 monthly

0.00 2% of Extraordinary Instalment Amount x Number of Days until end of Fixation Period / 360

2 % of Outstanding Loan Balance 2.50 99.00 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 will be charged: 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.

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e) American Mortgage Loan*

FEE ITEM Loan Administration Fee Rate 3.49 monthly

Fee for Early Repayment of Whole Loan Amount or its Part by Extraordinary Instalment: a) by Loans with fixed Interest Rate being repaid 1 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 Days otherwhile 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 to Reduce the Total Costs related to Loan

c) by Loans with Variable Interest Rate Fee Charged for Change of Interest Rate Type: from Variable Interest Rate or Variable Advantageous Interest Rate to Fixed Interest Rate Other Fees: Fee for Loan Instalment Payout in Cash Fee Charged for Changes in Contractual Conditions and Other Loan Services - Requested by Client Reminders: Reminder
*

0.00

2 % of Outstanding Loan Balance 2.50 99.00 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 1/ Safekeeping of values in sealed bags For clients each visit when the object of safekeeping is handled For deposit safekeeping of documents under a special agreement
1/

Rate 20.00 + VAT price incl. VAT: 24.00 price incl. VAT: 1.00 contractual price + VAT

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 conformity with 879 i) of Civil Code:
FEE ITEM
1/

MF fee - payout of anonymous deposit - Basic fee 1/ MF fee - payout of anonymous deposit - Retrieval of documents in Bank`s Central Registry 1/ MF fee - payout of anonymous deposit - Settlement of contested client`s claims
1/

Rate 9.96 26.56 33.19

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 debit the fee against an Account maintained within the service package or will set it off against any of the Clients receivables 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 service package 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 Account or 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 in concordance 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 statement 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 Payment Card production date. 5) A contractual penalty for breaching a Payment Card Issuance Agreement is due on the day an obligation under the Payment 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, whichever 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 upon signing the amendment to the loan agreement. The Fee Fee charged for Change of Collateral if the Collateral is a Real 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 by Extraordinary 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 on January 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 upon giving an order by the Client to the Bank. 44

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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 the provision of that Electronic Service is terminated, whichever comes earlier. Per calendar month, when came to termination of Electronic Services Agreement, the Bank is charging the Fee for providing of particular Electronic Services 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 on the day the last service is terminated within this package. The for Electronic Service Package on Mobile Phone is charged for each Client / Authorized Person being related to each Account in favour of which these services are provided, regardless of the number of services (one service or all services included within the Package) being provided to Client / Authorized Person. Per calendar month, when came to termination of Electronic Service Package to Mobile Phone Agreement, the Bank is charging the Fee for providing of particular Electronic Services only in those cases, 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 GRID card and for re-issuing a PIN for Electronic Services or other security object is due upon reception of that security object by the Client. 17) Fees for other actions taken by the Bank, unspecified in the preceding points, are due immediately upon the Banks taking the paid-for action; the Bank will debit the fee against the Clients 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 advance before 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 foreign currency. The currency valid in the territory of the Slovak Republic is converted to a foreign currency at the ECB exchange rate of the relevant currency as set forth in the Banks currency rate list in effect on the Fees 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 the Payment Services Law, the Bank should charge maximum the aliquot part of regularly billed fees appertaining until termination of Agreement, upon which the payment service is provided. Herewith, it is not excluded the possibility bases upon 98 of the Payment Services Law, to come to a different Agreement with a Client, which is not a consumer according to this Law, that the disposition of 33 Art. 4 will not be exercised on their contractual relationship in full scale or partly. 20) Upon cancellation of (registered) Passbooks, Accounts, Deposit Accounts and Income Saving, the Client will pay, in addition 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 not been realized. 22) Fee due dates are subject to these fee setting principles, unless otherwise stated in a written agreement with the Client.

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