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VUB Price List Entrepreneurs and Other Legal Entities

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<strong>VUB</strong> <strong>Price</strong> <strong>List</strong><strong>Entrepreneurs</strong> <strong>and</strong> <strong>Other</strong> <strong>Legal</strong> <strong>Entities</strong>Effective from January 1, 2009Dual pricing conversion rate: € 1 = SKK 30.1260The conversion <strong>and</strong> rounding of prices from SKK into € are subject to the dual pricing rules under the law of theSlovak Republic. For transparency reasons prices in € are listed in the first column <strong>and</strong> informative pricesin SKK are indicated in the second one.


I. <strong>VUB</strong> ACCOUNTS .............................................................................................................................................31. FLEXI BUSINESS ACCOUNT......................................................................................................................3II. FEES & CHARGES OF BASIC SERVICES......................................................................................................41. DEPOSIT PRODUCTS .................................................................................................................................42. DOMESTIC PAYMENTS ..............................................................................................................................53. INTERNATIONAL PAYMENTS....................................................................................................................64. DOCUMENTARY DEALS – LETTERS OF CREEDIT AND COLLECTIONS .............................................75. DEBIT PAYMENT CARDS ...........................................................................................................................86. CREDIT PAYMENT CARDS.........................................................................................................................97. NONSTOP BANKING – ELECTRONIC BANKING ...................................................................................108. LOANS........................................................................................................................................................129. EXPORT FINANCING.................................................................................................................................1310. GUARANTEES .........................................................................................................................................1311. SECURITIES.............................................................................................................................................1412. ADVISORY................................................................................................................................................1713. CASH DESK SERVICES..........................................................................................................................1714. EXCHANGE OFFICE SERVICES ............................................................................................................1915. RENTAL AND CUSTODY ........................................................................................................................1916. INFORMATION SERVICES......................................................................................................................2117. OTHER SERVICES...................................................................................................................................2218. FEES FOR MERCHANTS ACCEPTING PAYMENT CARDS BY EFT POS TERMINALS....................2219. MEDIATED SALE OF INSURANCE .......................................................................................................2320. <strong>VUB</strong> ASSET MANAGEMENT INVESTMENT PRODUCTS....................................................................2321. FOREIGN MUTUAL FUNDS ....................................................................................................................24III. SERVICES PROVIDED TO BANKS...............................................................................................................25IV. PRICES FOR SERVICES CURRENTLY NOT SOLD BY <strong>VUB</strong> .....................................................................27* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12602


I. <strong>VUB</strong> ACCOUNTS1. FLEXI BUSINESS ACCOUNT1) <strong>Price</strong> converted1.1 Flexi Business Account <strong>Price</strong>/Monthinto SKK*/Month 1)1.1.1.1.1.2.1.1.3.The client chooses services <strong>and</strong> products to be included in his/her flexi business account<strong>and</strong> the price of the account derives from a sum of points assigned to selected products<strong>and</strong> services:Sum of pointsup to 143 incl.up to 311 incl.up to 491 incl.up to 1,171 incl.up to 2,101 incl.up to 4,801 incl.up to 10,093 incl.The account price includes– accounting items –payments received 12)– setting up st<strong>and</strong>ing orders via nonstop banking– payment card related services free of charge – payment card reissuance iflost/stolen/damaged, PIN reprinting, changes in daily/monthly card limit, access toaccount balance via a payment card, sending a monthly statement of transactionsmade with a card, additional printing of a monthly statement of transactions made witha card <strong>and</strong> transfer of funds via selected ATM´s by a payment card– sending of account statements via e-mail, if Kontakt, Internet Banking or InternetBanking Plus are established as a part of flexi business account€ 3.62€ 7.10€ 10.09€ 20.05€ 32.99€ 66.19€ 152.49<strong>Price</strong> of the account also includes a possibility to choose from the following products <strong>and</strong> Pointsservices:– current account – opening <strong>and</strong> maintenance of a current account in € with progressiveinterests60– 1x generating <strong>and</strong> sending account statements for the previous month by post inSlovak Republic– 1x generating <strong>and</strong> sending account statements weekly by post in Slovak Republic– 1x generating <strong>and</strong> sending account statements after each transaction by post inSlovak Republic– granting overdraft limit on current account – overdraft 2)– opening <strong>and</strong> maintenance of fund account 3)– accounting item – sent payment at branch, on capital markets, for cash deposit <strong>and</strong>withdrawal at branch 4)12/pc.– accounting item – cash withdrawal by payment card via ATM 5)6/pc.– accounting item – other sent payments 6)4.50/pc.– opening <strong>and</strong> use of Service Kontakt0– opening <strong>and</strong> use of Internet Banking service25– opening <strong>and</strong> use of Internet Banking Plus service25– opening <strong>and</strong> use of Mobil banking service0– opening <strong>and</strong> use of business banking (originally New Home Banking) service 500– debit payment card Maestro 7)19– debit payment card MasterCard Business/VISA Business 7)121– debit payment card gold MasterCard Business/VISA Business gold 7)213– credit payment card VISA Business 8)117– credit payment card VISA Business Silver 8)200– credit payment card VISA Business Gold 8)267– opening of service <strong>and</strong> sending SMS on current account transactions, payment carduse or other type of notification within a month 9)– discount on a commission for EFT POS terminal 10)– blue card to access the fast service zone 11)7+ postage 13)28+4x postage 13)147+21x postage 13)0601.50/pcs.150/250/3500SKK 109SKK 214SKK 304SKK 604SKK 994SKK 1,994SKK 4,594Note:1) First month free of charge for clients who open a new flexi business account (not applicable to transformation from current account <strong>and</strong> <strong>VUB</strong> account to flexi business account). In case of transformationof current account or <strong>VUB</strong>usiness account to flexi business account, the price is valid from the next month after purchasing the flexi business account.2) Upon meeting the criteria set by the Bank.3) Fund account in € can be opened as a part of flexi business account in €. There can be maximum 2 fund accounts within flexi business account.4) Accounting items – sent payment at branch, on capital markets; cash deposit <strong>and</strong> withdrawal at branch in the amount of 0/5/10/20/30/40/50/75/100 pcs. Accounting items – deposit via ATM are chargedas accounting items for cash deposit at branch.5) Accounting items – cash withdrawal by payment card via ATM in the amount of 0/5/10/20/30/40/50/75/100/150/200/300/400/500 pcs.6) Accounting items – other sent payments in the amount of 0/5/10/20/30/40/50/75/100/150/200/300/400/500 pcs.7) There can be maximum 5 domestic/international Maestro, 2 MasterCard Business/VISA Business, 2 gold MasterCard Business/gold VISA Business debit payment cards within the flexi businessaccount. Domestic debit payment card Maestro <strong>and</strong> VISA Business Gold – offered until 4/4/2008. Domestic debit payment cards Maestro <strong>and</strong> VISA Business Gold already issued may be included inflexibusiness account.8) Credit payment cards can be only issued in € upon meeting the Bank’s criteria. There can be maximum 2 VISA Business, 2 VISA Business Silver, 2 VISA Business Gold credit payment cards withinthe flexi business account. VISA Business Silver – offered until 31/12/2007. VISA Business Silver already issued may be included in flexibusiness account.9) Sending SMS on current account transactions, payment card use or other type of selected notifications within a month numbering 0/10/20/30/40/50/75/100/150/200 pcs. The service can be enabledonly if one of the following services – Internet Banking, Internet Banking Plus, Kontakt or Mobil banking is used.10) The discount on commission for EFT POS terminal in the amount of € 4.98/SKK 150* (150 points), € 8.30/SKK 250* (250 points), € 11.62/SKK 350* (350 points). Discount on EFT POS terminalcommission, in case it is lower than the selected discount on the flexi business account, is applied only up to the amount of the commission charged.11) Blue card can be selected within the flexi business account starting from a sum of points equal to 492 <strong>and</strong> over.12) Accounting items – payments received (except accounting items for cash deposits at branch <strong>and</strong> deposits via ATM).13) Points for „postage“ are calculated as 10 points.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12603


II. FEES & CHARGES OF BASIC SERVICES1. DEPOSIT PRODUCTS1.1 Current Account in € <strong>and</strong> FCY <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*1.1.1 Account opening free of charge1.1.2 Account maintenance € 2.79/month SKK 84/month1.1.3 Account closing € 3.32 SKK 1001.1.4 Each copy of settlement report / per page € 0.17 + postage SKK 5 + postage1.1.5 Account statement: € 0.33/statement SKK 10/statement1.1.5.1 – extraordinary statement outside the agreed cycle € 6.64/statement SKK 200/statement1.1.6 Delivery of statements1.1.6.1 – by post postage/envelope1.1.6.2 – in person € 1.99/statement SKK 60/statement1.1.6.3 – via box € 1.99/month 3) SKK 60/month 3)1.1.6.4 – by fax (for nonstop banking clients) € 0.33/page SKK 10/page1.1.6.5 – by email free of charge1.1.6.6 – by SWIFT € 26.56/month SKK 800/month1.1.71.1.81.1.91.1.101.1.111.1.12Telephone notification of account balance by branch employees (outside ServiceKontakt)€ 9.96/month SKK 300/monthIssuance of a special confirmation related to current account maintenance, confirmationof current account balance upon client’s request € 6.64 1) SKK 200 1)Restricted disposal of funds on current account under an addendum to Current AccountAgreement– upon client´s request– for blockage in favour of <strong>VUB</strong>Blockage of disposal of funds on current account– upon client’s request at branch– for blockage initiated by the Bank– upon client´s request via Service KontaktAdditional printing of account statement upon client’s request/per statement.Not charged for complaints about statements delivered by regular post <strong>and</strong> filed within 30days since issuance of a relevant statement <strong>and</strong> for an immediate complaint about amissing account statement for statements delivered in person or via box.Transfer of account upon the client’s request (not charged for transfer initiated by theBank)€ 66.39€ 1.66€ 6.64€ 1.66€ 1.00SKK 2,000SKK 50SKK 200SKK 50SKK 30€ 6.64/statement SKK 200/statement€ 6.64 2) SKK 200 2)1.1.13 Change in specimen signature € 3.32 SKK 1001.1.14 Sending of each reminder related to exceeding overdraft on account <strong>and</strong> its repayment1.1.15Cancellation of payment card at transformation of the former current account for legalentities or <strong>VUB</strong> account for legal entities to flexi business account€ 16.60 SKK 500free of charge1.1.16 Transaction history printing € 1.13 SKK 34Note:1) If a branch issues one confirmation showing balances on several client’s accounts upon client’s request, the fee charged is € 6.64 (SKK 200*).2) If in the Account Transfer Request the client requests to transfer all his/her accounts to a different branch, the fee for transfer of these accounts is charged only once.3) The fee is charged monthly.1.2 Deposit Account in € <strong>and</strong> FCY <strong>Price</strong> €1.2.1 Account opening free of charge1.2.2 Account maintenance free of charge1.2.3 Account closing free of charge1.2.41.2.51.2.6Restricted disposal of funds on deposit account under an addendum to Deposit AccountAgreement– upon client’s request– blockage in favour of <strong>VUB</strong>Transfer of deposit account upon client’s request (not charged for transfer initiated bythe Bank)* Conversion from € to SKK by conversion rate: € 1 = SKK 30.1260€ 66.39€ 1.66<strong>Price</strong> convertedinto SKK*SKK 2,000SKK 50€ 6.64 SKK 200Issuance of a special confirmation related to deposit account maintenance, confirmationof current account balance upon client’s request € 6.64 SKK 2001.2.7 Change in specimen signature € 3.32 SKK 1001.2.8Beginning of redemption proceedings of certificate of deposits <strong>and</strong> deposit certificateson a name <strong>and</strong> bearer€ 33.19 SKK 1,0004


1.2.9Penalty for an early withdrawal before expiry of an agreed maturity period or without anotice period1.2.10 Guaranteed deposit – entry fee1.2.11Additional printing of account statement upon client’s request/per statement.Not charged for complaints about statements delivered by regular post <strong>and</strong> filed within30 days since issuance of a relevant statement <strong>and</strong> for an immediate complaint about amissing account statement for statements delivered in person or via box.under a list of interestratesbased on notices ofinterest rates€ 6.64/statement SKK 200/statement2. DOMESTIC PAYMENTS2.1 Domestic Payments <strong>Price</strong> €2.1.1 Processing of a payment order submitted by client free of charge2.1.2 Entry of internal express payment within <strong>VUB</strong> free of charge2.1.3 Express payment to another bank:2.1.3.1 – submitted electronically € 16.60 SKK 5002.1.3.2 – submitted in person at a branch € 33.19 SKK 1,0002.1.4 Priority payment to another bank in SR € 33.19 SKK 1,0002.1.5 Current account transaction – accounting item:2.1.5.1 cash deposit 1) <strong>and</strong> withdrawal at branch, deposit via ATM 1) (current accounts) € 0.50 SKK 152.1.5.2 cash withdrawal by payment card via ATM € 0.20 SKK 62.1.5.3received payment (except for cash deposit at branch <strong>and</strong> deposit via ATM – currentaccounts)2.1.5.4 sent payment to other bank in €free of charge2.1.5.4.1 – at branch, on capital markets € 0.50 SKK 152.1.5.4.2 – other sent payments € 0.15 SKK 4.502.1.5.5 sent payment within the bank in € <strong>and</strong> in FCY2.1.5.5.1 – at branch, on capital markets € 0.50 SKK 152.1.5.5.2 – other sent payments € 0.15 SKK 4.502.1.6 Deposit account transaction free of charge2.1.7 Partial payments:2.1.7.1 – upon account holder’s request € 3.32 SKK 1002.1.8St<strong>and</strong>ing order, automatic transfer– submission at a branch– submission via nonstop banking– change or cancellation at a branch– change or cancellation via nonstop banking€ 0.17free of charge€ 1.66€ 0.50<strong>Price</strong> convertedinto SKK*SKK 5SKK 50SKK 152.1.9 Change or cancellation of a transfer order at a branch. € 1.66 SKK 502.1.102.1.11Cancellation of transfer orders via nonstop banking (recycled payments, payments due inthe future)Direct debit authorization entry, direct debit authorization to a collectingcompany/Telekom (the amount corresponds to a multiple depending on a number ofaccounts per authorization)– entry, change <strong>and</strong> cancellation at a branch– entry via nonstop banking– change <strong>and</strong> cancellation via nonstop bankingfree of charge€ 1.00free of charge€ 0.50SKK 30SKK 152.1.12 Administration of recycled payments file. upon agreement2.1.12.1 Recycled payments for each working day € 0.03 SKK 12.1.13 Cheque book € 1.33 SKK 402.1.14 Frozen payments if cheque(s) loss reported € 4.98 SKK 1502.1.15 Opening <strong>and</strong> maintenance of a “shortcut” (monthly fee) € 6.64 SKK 2002.1.16Sending of an advice for products <strong>and</strong> services of the payments to beneficiary’s bank bySWIFTReservation on account (also for execution of a distrainment or a decision) at a branch– entry2.1.17– change– cancellationNote1) Not valid for cash deposits until December 31, 2009€ 6.64 SKK 200€ 1.66€ 1.66€ 1.66SKK 50SKK 50SKK 50* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12605


3. INTERNATIONAL PAYMENTS3.1Transfers from abroad<strong>Price</strong> €3.1.1 In favour of <strong>VUB</strong> clients free of charge<strong>Price</strong> convertedinto SKK*3.2 Transfers abroad <strong>Price</strong> €3.2.13.2.23.2.3Transfers abroad (excl. <strong>VUB</strong> Prague)Regulated transfers in € 1)- submitted electronically- submitted in person at branchSt<strong>and</strong>ard <strong>and</strong> accelerated transfers (excl. <strong>VUB</strong> Prague)to € 1,659.70 / to SKK 50,000.00from € 1,659.71 to € 16,596.96 / from SKK 50,000.01 to SKK 500,000.00from € 16,596.97 to € 33,193.92 / from SKK 500,000.01 to SKK 1,000,000.00from € 33,193.93 <strong>and</strong> more / from SKK 1,000,000.01 <strong>and</strong> moreExpress transfers (excl. <strong>VUB</strong> Prague)- in € within Eurozone, outside Eurozone <strong>and</strong> in other currencies€ 0.15€ 0.50submittedelectronically in person atbranch€ 6.64 € 13.28€ 19.92 € 26.56€ 29.87 € 36.51€ 39.83 € 46.473.2.4 St<strong>and</strong>ard, accelerated <strong>and</strong> express transfers in favour of <strong>VUB</strong> Prague clients free of charge3.2.5Transfer abroad via a bank chequeto € 1,659.70 / to SKK 50,000.00from € 1,659.71 to € 16,596.96 / from SKK 50,000.01 to SKK 500,000.00from € 16,596.97 to € 33,193.92 / from SKK 500,000.01 to SKK 1,000,000.00from € 33,193.93 <strong>and</strong> more / from SKK 1,000,000.01 <strong>and</strong> more<strong>Price</strong> convertedinto SKK*SKK 4.52SKK 15.06submitted submittedelectronically in person atbranchSKK 200 SKK 400SKK 600 SKK 800SKK 900 SKK 1 100SKK 1 200 SKK 1 400as st<strong>and</strong>ard + € 33.19 as st<strong>and</strong>ard + SKK 1,000€ 14.94€ 24.90€ 34.85€ 44.81SKK 450SKK 750SKK 1,050SKK 1,350Note:For st<strong>and</strong>ard <strong>and</strong> accelerated transfer of an equivalent of up to € 33.19 (SKK 1,000*) <strong>and</strong> express transfer of an equivalent of up to € 82.98 (SKK 2,500*), a principal is always charged a fee even in caseof “fees to be borne by beneficiary – BEN“ instruction.When performing payment order with instruction “no expense for beneficiary” expense of a foreign or domestic bank is charged additionally or together with the transfer depending on the actually chargedcosts of respective bank.For transfers abroad made in st<strong>and</strong>ard, accelerated or express form irrespective of the client’s instruction BEN, SHA or OUR, a foreign bank may charge a principal additional fees in case incomplete orincorrect information on a beneficiary of a transfer is provided (incorrect beneficiary’s account number, incorrect bank connection, lack of IBAN for transfers in € made to the EU countries), which impedesautomated payment processing. The amount of such fees depends on specific conditions of a respective bank <strong>and</strong> will be debited to the beneficiary’s account.1) Regulated transfers – transfers in € up to € 50,000.00 (SKK 1,506,300.00*) within countries EU <strong>and</strong> EHP, incl. SHA instruction, a correct number of beneficiary´s account in IBAN form, a correct BIC ofbeneficiary´s bank.2) <strong>Other</strong> st<strong>and</strong>ard <strong>and</strong> accelerated transfers – non-regulated (transfers in € that do not meet the conditions set forth in Article 1), transfers in FCY to other bank in SR or abroad.<strong>Price</strong> converted3.3 <strong>Other</strong> Services <strong>Price</strong> €into SKK*Cancellation of a payment order prior to execution upon client’s request or cancellation of € 9.96 1) SKK 300 1)3.3.1a payment order due to shortage of funds on client’s account/principal3.3.2Extraordinary confirmation on executed transfer (SWIFT, advice, extraordinaryconfirmation)3.3.32) 3)Unjustified complaints about transfers initiated by <strong>VUB</strong> client€ 6.64 SKK 2003.3.3.1 – up to 3 month € 16.60 SKK 5003.3.3.2 – older than 3 months € 66.39 SKK 2,0003.3.4Fee for manual transfer processing due to missing, incorrect data on a payment order orupon dem<strong>and</strong> for non-st<strong>and</strong>ard transfer processing upon client’s request so-called “ NONSTP” fee.€ 6.64 SKK 200Note:For st<strong>and</strong>ard <strong>and</strong> accelerated transfer of an equivalent of up to € 33.19 (SKK 1,000*) <strong>and</strong> express transfer of an equivalent of up to € 82.98 (SKK 2,500*), a principal is always charged a fee even in caseof “fees to be borne by beneficiary – BEN“ instruction.When performing payment order with instruction “no expense for beneficiary” expense of a foreign or domestic bank is charged additionally or together with the transfer depending on the actually chargedcosts of respective bank.For transfers abroad made in st<strong>and</strong>ard, accelerated or express form irrespective of the client’s instruction BEN, SHA or OUR, a foreign bank may charge a principal additional fees in case incomplete orincorrect information a beneficiary of a transfer is provided (incorrect beneficiary’s account number, incorrect bank connection, lack of IBAN for transfers in € made to the EU countries, which impedesautomated payment processing. The amount of such fees depends on specific conditions of a respective bank <strong>and</strong> will be debited to the beneficiary’s account.1) For the above-limit transfers with individually set exchange rate, a penalty fee representing real costs related to cancellation of this transfer is charged. Moreover, in case a transfer is cancelled after itwas sent abroad, a foreign bank’s fee is charged as well.2) Also cancellation of a payment order after execution is considered an unjustified complaint.3) In case of a request for cancelling a transfer by a cheque, also a foreign bank´s fee for stopping cheque payment shall be debited from a payer´s account.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12606


4. DOCUMENTARY DEALS – LETTERS OF CREEDIT AND COLLECTIONS4.1 Documentary L/Cs – Issued <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*4.1.1 Pre-advice of L/C € 33.19 SKK 1,0004.1.2 Opening of L/C for each month started 0.1 %, min. € 33.19 0.1 %, min. SKK 1,0004.1.3Change in L/C (fee for opening L/C is also charged for increasing the amount orextending validity of L/C)€ 33.19 SKK 1,0004.1.4 Presentation of documents with deficiencies € 90 SKK 2,711.344.1.5 Verification of documents <strong>and</strong>/or payout within L/C:4.1.5.1 – L/C payable after submitting documents or with deferred maturity up to 30 days 0.25 %, min. € 49.79 0.25 %, min. SKK 1,5004.1.5.2 – for each following 30 days of postponed maturity started 0.2 %, min. € 33.19 0.2 %, min. SKK 1,0004.1.6 Release of goods send to <strong>VUB</strong> (Bill of L<strong>and</strong>ing endorsement) € 66.39 SKK 2,0004.1.7 <strong>Other</strong> activities not included in L/C € 82.98 SKK 2,5004.2 Documentary L/Cs – Received <strong>Price</strong> €4.2.1 Advice of L/C0.25 %, min. € 33.19max. € 4,979.094.2.2 Confirmation of L/C for each quarter started under rating of a bank 1)<strong>Price</strong> convertedinto SKK*0.25 %, min. SKK 1,000max. SKK 150,0004.2.3 Transfer of L/C 0.3 %, min. € 49.79 0.3 %, min. SKK 1,5004.2.4 Transfer of a change in L/C € 33.19 SKK 1,0004.2.54.2.6Advising a change in L/C (fee for advising L/C is also charged for increasing the amountof advised L/C, fee for confirming L/C is also charged for increasing or extending validityof confirmed L/C)Verification <strong>and</strong>/or sending of documents for reimbursement or receipt or disbursementwithin L/C€ 33.19 SKK 1,0000.25 %, min. € 66.39 0.25 %, min. SKK 2,0004.2.7 Assignment of yields from L/C € 33.19 SKK 1,0004.2.8 <strong>Other</strong> activities not included in L/C € 82.98 SKK 2,500Note:1) A bank is assigned a rating upon <strong>VUB</strong>’s evaluation.4.34.3.14.3.2Documentary Collections <strong>and</strong> Bill/Note Transactions with <strong>Other</strong>Countries 1) <strong>Price</strong> € <strong>Price</strong> convertedinto SKK*Processing of import documentary collection.(also involves cases when documents are issued free of charge)Processing of export documentary collection.(also involves cases when documents are issued free of charge)0.2 %, min. € 33.19max. € 3,319.390.2 %, min. € 33.19max. € 2,655.510.2 %, min. SKK 1,000max. SKK 100,0000.2 %, min. SKK 1,000max. SKK 80,0004.3.3 Return of not processed documents € 33.19 SKK 1,0004.3.4 Change in collection instructions € 16.60 SKK 5004.3.5 Issuance of an extraordinary confirmation of payment € 3.32 SKK 1004.3.6 Reminder to perform collection instruction (fee is charged from the second reminder) € 9.96 SKK 3004.3.7 Bill/note acceptance € 9.96 SKK 3004.3.8 <strong>Other</strong> activities not included in documentary collections <strong>and</strong> bill/note operations€ 66.39 SKK 2,0004.3.9 Verification of bill/note <strong>and</strong>/or sending bills/notes to foreign banks for verification € 66.39 SKK 2,0004.3.10 Collection of import bill/note (also involves the release of unpaid bill/note)4.3.11 Collection of export bill/note (also involves the release of unpaid bill/note)4.3.12 Protest of a bill/note4.3.134.3.14Collection of a bill/note purchased by <strong>VUB</strong> for which the client is charged collection feesunder the agreement.Release of goods send to <strong>VUB</strong> (Bill of L<strong>and</strong>ing endorsement) <strong>and</strong> other excludedactivities related to documentary collections <strong>and</strong> bill/note transactionsNote:1) <strong>Price</strong>s set for documentary collections <strong>and</strong> bill/note transactions with other countries also include swift <strong>and</strong> telex services.0.2 %, min. € 33.19max. € 3,319.390.2 %, min. € 33.19max. € 2,655.51€ 66.39+ notarial fees0.15 %,min. € 33.19max. € 1,659.700.2 %, min. SKK 1,000max. SKK 100,0000.2 %, min. SKK 1,000max. SKK 80,000SKK 2,000+ notarial fees0.15 %,min. SKK 1,000max. SKK 50,000€ 66.39 SKK 2,000* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12607


4.4 Domestic Collection of Bills/Note <strong>Price</strong> €Processing of collection of a bill/note submitted to <strong>VUB</strong> by an authorized owner toperform collection condition/processing of a bill/note due in <strong>VUB</strong> submitted by issuingbank to perform collection condition by note/bill Borrower<strong>Price</strong> convertedinto SKK*4.4.1up to € 33,193.92 / up to SKK 1 mil.from € 33,193.93 to € 165,959.59 / from SKK 1 mil. to SKK 5 mil.from € 165,969.60 to € 331,939.19 / from SKK 5 mil. to SKK 10 mil.from € 331,939.20 to € 1,659,695.94 / from SKK 10 mil. to SKK 50 mil.over € 1,659,695.94 / over SKK 50 mil.4.4.2 Protest of a bill/note€ 13.28€ 16.60€ 33.19€ 66.39€ 165.97€ 33.19+ notarial feesSKK 400SKK 500SKK 1,000SKK 2,000SKK 5,000SKK 1,000+ notarial fees4.4.3 Verification of bill/note requisites € 33.19 SKK 1,0004.4.4 Reminder to perform collection instruction (fee is charged from the second reminder) € 4.98 SKK 1505. DEBIT PAYMENT CARDS5.1 Non-embossed Maestro Payment Cards <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*5.1.1 Card issuance/renewal € 8.30/year SKK 250/year5.1.1.2 Card cancellation or return of valid payment card € 6.64 SKK 2005.1.1.3 Card re-issuance after loss/theft € 1.66 SKK 505.2 Embossed MasterCard <strong>and</strong> VISA Payment Cards <strong>Price</strong> €5.2.2.1 Card issuance/renewal:<strong>Price</strong> convertedinto SKK*5.2.2.1.1 – MasterCard Business, VISA Business € 46.47/year SKK 1,400/year5.2.2.1.2 – MasterCard Business, VISA Business (formerly a part of Business package) € 46.47/year SKK 1,400/year5.2.2.1.3 – MasterCard Business Gold € 82.98/year SKK 2,500/year5.2.2.1.4 – MasterCard Business Gold (formerly a part of Business Card Gold package) € 82.98/year SKK 2,500/year5.2.2.2 Card cancellation or return of valid payment card € 33.19 SKK 1,0005.2.2.3 Card re-issuance after loss/theft € 3.32 SKK 1005.2.2.4 Substitute card:5.2.2.4.1 – MasterCard € 232.36 SKK 7,0005.2.2.4.2 – VISA € 49.79 SKK 1,5005.2.2.5 Emergency cash:5.2.2.5.1 – MasterCard € 149.37 SKK 4,5005.2.2.5.2 – VISA € 49.79 SKK 1,5005.3 Virtual Payment Cards <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*5.3.1 VISA WebBusiness € 4.98/year SKK 150/year5.3.2 Card cancellation or return of valid payment card € 3.32 SKK 1005.4 <strong>Other</strong> Debit Card Related Services <strong>Price</strong> €5.4.1 Card blocking5.4.1.1 – non-embossed <strong>and</strong> virtual card € 4.98 SKK 1505.4.1.2 – embossed card € 16.60 SKK 5005.4.25.4.3Extra charge for express card issuance/re-issuance without PIN (delivery in Bratislava onthe next business day)Extra charge for express PIN issuance/re-printing (delivery in Bratislava on the nextbusiness day)€ 9.96 SKK 300€ 9.96 SKK 3005.4.4 Payment card or PIN delivered by a courier in Slovakia € 4.98 SKK 150<strong>Price</strong> convertedinto SKK*5.5 Payment Card Cash Withdrawal <strong>Price</strong> €5.5.1 Payment card cash withdrawal5.5.1.1 – from <strong>VUB</strong> ATM free of charge<strong>Price</strong> convertedinto SKK** Conversion from € to SKK by conversion rate: € 1 = SKK 30.12608


5.5.1.2 – from ATM in Slovakia (other than <strong>VUB</strong>) <strong>and</strong> in selected countries of Europe 1) € 1.13 SKK 345.5.1.3 – from ATM abroad outside selected countries of Europe 2) transaction,1.5 % of chargedmin. € 5.971.5 % of chargedtransaction,min. SKK 1805.5.1.4 – in Slovakia <strong>and</strong> in selected countries of Europe 1) (cash advance) € 3.32 SKK 1005.5.1.5 – in abroad outside selected countries of Europe 2) (cash advance)2 % of chargedtransaction,min. € 8.302 % of chargedtransaction,min. SKK 250Note1) Cash withdrawal in € in the following countries: Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finl<strong>and</strong>, France, Greece, Hol<strong>and</strong>, Isl<strong>and</strong>, Irel<strong>and</strong>, Liechstenstein, Latvia, Lithuania, Luxemburg,Hungary, Malta, Germany, Norway, Pol<strong>and</strong>, Portugal, Austria, Romania, Slovenia, Spain, Switzerl<strong>and</strong>, Sweden, Italy <strong>and</strong> Great Britain. It is valid for all cash withdrawals irrespective of a bank – accepter ofpayment card.2) Cash withdrawal in other currency than € in countries listed in Note 1) above <strong>and</strong> cash withdrawal in other countries of the world.5.6 Payment with a merchant in SR or abroad <strong>Price</strong> €5.6.1 Payment with a merchant in SR or abroad (a service, not an accounting item) free of charge<strong>Price</strong> convertedinto SKK*6. CREDIT PAYMENT CARDS6.1 Revolving Credit Cards <strong>Price</strong> €6.1.1 VISA Business<strong>Price</strong> convertedinto SKK*6.1.1.1 Card issuance/renewal (including basic travel insurance package) 1) € 45.00/year SKK 1,355.67/year6.1.1.2 Above-st<strong>and</strong>ard travel insurance package 2) € 9.00 SKK 271.136.2 Charge Credit Cards <strong>Price</strong> €6.2.1 VISA Business Gold<strong>Price</strong> convertedinto SKK*6.2.1.1 Card issuance/renewal (including basic travel insurance package)3) € 96/year SKK 2,892.10/year6.2.1.2 Above-st<strong>and</strong>ard travel insurance package 4) € 18.00 SKK 542,276.3 <strong>Other</strong> Corporate Credit Card Related Services <strong>Price</strong> €6.3.1 Card blocking € 30.00 SKK 903.786.3.2 Card cancellation € 8.00 SKK 241.016.3.3 Delayed minimum installment:6.3.3.1 – up to 20 days € 1.66 SKK 506.3.3.2 – over 20 days € 15.00 SKK 451.896.3.4Extra charge for express card issuance/re-issuance without PIN (delivery in Bratislava onthe next business day)€ 9.00 SKK 271.136.2.3.5 Extra charge for express PIN re-printing (delivery in Bratislava on the next business day) € 9.00 SKK 271.136.4 Fees for Transactions Made by Corporate Credit Cards <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*<strong>Price</strong> convertedinto SKK*6.4.1 Cash withdrawal in SR <strong>and</strong> in selected countries of Europe 5) 2 % min. € 6.00 2 % min. SKK 180.766.4.2 Cash withdrawal abroad outside selected countries of Europe 6) 2 % min. € 9.00 2 % min. SKK 271.13Note:1) Fee for card issuance/renewal also includes the Basic Generali Slovensko poisťovňa Travel Insurance: Insurance of Medical Expenses, Insurance of Complete <strong>and</strong> Permanent Disability <strong>and</strong> Death inthe Event of Accident.2) Additional fee for the Above-st<strong>and</strong>ard Generali Slovensko poisťovňa Travel Insurance Package includes: Insurance of Individual Liability for Caused Damage, Insurance of Personal Belongings <strong>and</strong>Luggage.3) Fee for card issuance/renewal also includes the Basic Generali Slovensko poisťovňa Travel Insurance: Insurance of Medical Expenses, Insurance of Complete <strong>and</strong> Permanent Disability <strong>and</strong> Death inthe Event of Accident, Insurance of Individual Liability for Caused Damage, Insurance of Personal Belongings <strong>and</strong> Luggage.4) Additional fee for the Above-st<strong>and</strong>ard Generali Slovensko poisťovňa Travel Insurance Package includes: Delayed Luggage Caused by Air Company, Insurance against Travel Documents Loss, <strong>Legal</strong>Protection of a Driver.5) Cash withdrawal in € in the following countries: Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finl<strong>and</strong>, France, Greece, Hol<strong>and</strong>, Isl<strong>and</strong>, Irel<strong>and</strong>, Liechstenstein, Latvia, Lithuania,Luxemburg, Hungary, Malta, Germany, Norway, Pol<strong>and</strong>, Portugal, Austria, Romania, Slovenia, Spain, Switzerl<strong>and</strong>, Sweden, Italy <strong>and</strong> Great Britain. It is valid for all cash withdrawal irrespecitve ofa bank – accepter of payment card.6) Cash withdrawal in other currency than € in countries listed in Note 5) above <strong>and</strong> cash withdrawal in other countries of the world.6.5 American Express – Charge Payment Cards <strong>Price</strong> €* Conversion from € to SKK by conversion rate: € 1 = SKK 30.1260<strong>Price</strong> convertedinto SKK*6.5.1. Entry fee USD/€ 80/year SKK 2,410.08/year6.5.2. Main card USD/€ 100/year SKK 3,012.60/year6.5.3. Supplementary card USD/€ 70/year SKK 2,108.82/year9


6.5.4. Cash withdrawal6.5.5. Membership Rewards Programme4 %,min. USD/€ 4USD/€ 35.25 /year;first year free of charge4 %,min. SKK 120.50SKK 1,061.94 /year;first year free of charge7. NONSTOP BANKING – ELECTRONIC BANKING7.1 Business banking (originally New Home Banking) <strong>Price</strong> €7.1.1 Establishment of Service business banking7.1.1.1 – St<strong>and</strong>ard/single version free of charge7.1.1.2 – Institutional (network)/institutional (limited) version free of charge7.1.2 Business banking (originally New Home Banking) operation:<strong>Price</strong> convertedinto SKK*7.1.2.1 St<strong>and</strong>ard/single version € 16.60/month SKK 500/month7.1.2.2 Institutional (network)/institutional (limited) version € 16.60/month SKK 500/month7.1.3 Cancellation. Fee is not charged if a client switches to another nonstop banking form. € 16.60 SKK 5007.1.47.1.5Service intervention related to business banking (originally New Home Banking), uponclient’s request (per 1 visit)Unjustified request for intervention performed by a <strong>VUB</strong> employee related to businessbanking (originally New Home Banking), MultiCash operation recovery€ 16.60 1) SKK 500 1)€ 49.79 1) SKK 1,500 1)7.2 Multicash <strong>Price</strong> €7.2.1 Establishment of Service MultiCash <strong>and</strong> its operating upon agreement<strong>Price</strong> convertedinto SKK*7.3 Internet banking Plus <strong>Price</strong> €7.3.1 Use of Service Internet banking Plus7.3.1.1 – for <strong>VUB</strong> accounts containing Internet Banking Plusinside the <strong>VUB</strong> accountprice<strong>Price</strong> convertedinto SKK*7.3.1.2 – outside the <strong>VUB</strong> account € 1.66/month SKK 50/month7.3.2 Cancellation of Service Internet banking Plus € 3.32 SKK 1007.4 Internet banking <strong>Price</strong> €7.4.1 Use of Service Internet banking7.4.1. – for <strong>VUB</strong> accounts containing Internet Bankinginside the <strong>VUB</strong> accountprice<strong>Price</strong> convertedinto SKK*7.4.1. – outside the <strong>VUB</strong> account € 0.83/month SKK 25/month7.4.2 Cancellation of Service Internet banking € 3.32 SKK 1007.5 KONTAKT <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*7.5.1 Use of Service KONTAKT outside the <strong>VUB</strong> account € 0.83/month SKK 25/month7.5.2 Cancellation of Service KONTAKT € 3.32 SKK 1007.6 Mobil banking <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*7.6.1 Use of Service Mobil banking outside the <strong>VUB</strong> account € 0.83/month SKK 25/month7.6.2 Cancellation of Service Mobil banking € 3.32 SKK 1007.7 VÚB e -payment <strong>Price</strong> €7.7.1 Establishment of <strong>VUB</strong> e-payments free of charge<strong>Price</strong> convertedinto SKK*Safety components7.8Certificate with electronic signature for service Internet banking Plus <strong>and</strong>business banking<strong>Price</strong> €<strong>Price</strong> convertedinto SKK** Conversion from € to SKK by conversion rate: € 1 = SKK 30.126010


7.8.17.8.1.1Initial certificate issuance for Internet Banking Plus, business banking (originally NewHome Banking):– generating of keys <strong>and</strong> certificates on a floppy disc for Internet Banking <strong>and</strong> businessbanking (originally New Home Banking)free of charge7.8.1.2 – generating of client´s certificates on chip card free of charge€ 3.32 SKK 1007.8.1.3 – generating of keys to certificate for installation (only for service business banking) free of charge7.8.2 GPK 16000 chip card € 28.88 1) SKK 870 1)7.8.3 GEM 410SL (serial port) <strong>and</strong> GEM 430 (USB port) chip card reader € 33.92 1) SKK 1,022 1)7.8.4 Certificate services7.8.4.1 – certificate renewal prior to its expiry free of charge7.8.4.2 – certificate re-issuance following the expiry of certificate € 13.28 SKK 4007.8.4.3 – cancellation of certificate validity suspension € 6.64 SKK 2007.8.4.4 – certificate validity suspension free of charge7.8.4.5– certificate voiding (except for certificate voiding caused by an incorrect certificategeneration by the bank)€ 6.64 SKK 2007.9PIN, password for services Internet banking, Internet banking Plus,Kontakt<strong>Price</strong> €7.9.1 PIN, password re-issuance € 1.66 SKK 50<strong>Price</strong> convertedinto SKK*7.10 SMS authorization for Internet banking <strong>Price</strong> €7.10.1 SMS authorization set-up free of charge7.10.2 SMS authorization sending free of charge7.10.3 SMS authorization cancellation free of charge<strong>Price</strong> convertedinto SKK*7.11 GRID card for services Internet banking <strong>and</strong> KONTAKT <strong>Price</strong> €7.11.1 Issuance of Grid card free of charge7.11.2 Re-issuance of Grid card € 1.00 SKK 307.11.3 Unblocking of Grid card free of charge7.11.4 Cancellation of Grid card free of charge<strong>Price</strong> convertedinto SKK*7.12 Safety key for service <strong>VUB</strong> e-payments <strong>Price</strong> €7.12.1 Issuance of safety key free of charge7.12.2 Re-issuance of safety key free of charge<strong>Price</strong> convertedinto SKK*7.13Blocking of non-stop banking (Kontakt, Internet banking/Internet bankingPlus, Mobil banking)7.13.1 Blocking or unblocking of service nonstop banking free of charge<strong>Price</strong> €<strong>Price</strong> convertedinto SKK*7.14 SMS outputs for nonstop banking <strong>Price</strong> €7.14.1 Notification at logging on to service nonstop banking free of charge7.14.2 Movement notifications:7.14.2.1 – notification of transaction/movement € 0.05 SKK 1.507.14.2.2 – notification of limit overrunning € 0.05 SKK 1.507.14.2.3 – notification of dropping under limit € 0.05 SKK 1.507.14.2.4 – notifications of using payment card € 0.05 SKK 1.507.14.3 Sending of account balance € 0.05 SKK 1.507.14.4 Sending of account turnover via Mobil banking € 0.05 SKK 1.507.14.5 Sending of exchange rates € 0.05 SKK 1.50<strong>Price</strong> convertedinto SKK*Note:1) The price is subject to a 19 % VAT.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126011


8. LOANS8.1 Commercial, Mortgage <strong>and</strong> Municipal Loans <strong>Price</strong> €8.1.1 Up-front fee8.1.1.1 – Profi loan, Profinvest, Profinvest plus, Profihypo in €8.1.2Up-front fee (loan agreement conclusion) or renewal of overdraft or revolving loan(addendum to loan agreement) for the other commercial loans* Conversion from € to SKK by conversion rate: € 1 = SKK 30.12601 % of loan volume, min.€ 165.97<strong>Price</strong> convertedinto SKK*1 % of loan volume, min.SKK 5,0008.1.2.1 – for loans granted up to € 33,193.92 (SKK 1 mil.) incl. min. € 165.97 min. SKK 5,0008.1.2.2 – for loans granted over € 33,193.92 (SKK 1 mil.)min. 0.5 % of authorizedloan volume, min. €331.948.1.2.3 – for loans granted up to USD 40,000 incl. min. USD 2008.1.2.4 – for loans granted over USD 40,000min. 0.5 % of authorizedloan volume, min. USD4008.1.2.5 – for loans granted up to CZK 900,000 incl. min. CZK 4,5008.1.2.6 – for loans granted over CZK 900,000min. 0.5 % of authorizedloan volume, min. CZK9,0008.1.2.7 – for loans granted up to GBP 20,000 incl. min. GBP 1008.1.2.8 – for loans granted over GBP 20,000min. 0.5 % of authorizedloan volume, min. GBP2008.1.3 Bill discounting upon agreement8.1.4 Commitment fee (funds undrawn in the agreed deadline)8.1.4.1 – for loans (except overdraft <strong>and</strong> revolving loans) in € <strong>and</strong> FCY in form of a penalty8.1.4.2 – for overdraft <strong>and</strong> revolving loans in € <strong>and</strong> FCYmin. 0.5 % of undrawnfundsmin. 0.5 % p. a. ofundrawn funds(the fee is not applicableto Kontokredit <strong>and</strong> Profiloan)8.1.4.3 – for loans granted in FCY from sources from international credit lines upon agreement8.1.5 Loan volume increase8.1.6Extension of loan instalment maturity upon client’s request. The fee is due as a one-offfee at the signing of an amendment to agreement.min. 0.5 % of increasedloan amount, min.€ 165.978.1.6.1 – for loans granted in € <strong>and</strong> FCY (from deposited funds)min. 0.3 % of extendedamount, min. € 165.978.1.6.2 – for loans granted in FCY from sources from international credit lines upon agreement8.1.7 Premature term loan repayment or its part3.0 % of prematurely8.1.7.1 – for loans granted in €repaid amount, min. €165.978.1.7.2 – for loans granted in USD8.1.7.3 – for loans granted in CZK8.1.7.4 – for loans granted in GBP8.1.8Shortening of overdraft or revolving loan final maturity in the form of an amendment tothe Agreement.8.1.8.1 – for loans granted in €8.1.8.2 – for loans granted in USD8.1.8.3 – for loans granted in CZK8.1.8.4 – for loans granted in GBP3.0 % of prematurelyrepaid amount, min. USD2003.0 % of prematurelyrepaid amount, min. CZK4,5003.0 % of prematurelyrepaid amount, min. GBP1003.0 % of agreed creditline, min. € 165.973.0 % of agreed creditline, min. USD 2003.0 % of agreed creditline, min. CZK 4,5003.0 % of agreed creditline, min. GBP 100min. 0.5 % of authorizedloan volume, min. SKK10,000min. 0.5 % of increasedloan amount, min.SKK 5,000min. 0.3 % of extendedamount, min. SKK 5,0003.0 % of prematurelyrepaid amount, min. SKK5,0003.0 % of agreed creditline, min. SKK 5,00012


8.1.9 Granting of a consolidation loan with restructuring – upon client’s request8.1.10Provision of information by a notary, advocate, commercial lawyer, self-administrativeterritorial unit (municipality) <strong>and</strong> other entrepreneurs pursuant to Art. 2 Sect. 2 ofCommercial Code (individuals <strong>and</strong> legal entities) on interest rates applied to loansgranted in the past.Arrangement of bill protest (in case of discounting as well as bill collection, when the bill8.1.11is accepted as a collateral for an active deal).Note:1) Commercial loans include all loans in € <strong>and</strong> FCY, bill discounting <strong>and</strong> authorized overdraft on current account.2) The price is subject to a 19 % VAT.up to € 3,319,391.89 -0.25%up to € 16,596,959.44 -0.15 %over € 16,596,959.44 -0.15 % of volumeup to € 16,596,959.44 +0.05 % for each amountexceeding this volumeup to SKK 100 mil. -0.25%up to SKK 500 mil. - 0.15%over SKK 500 mil. - 0.15% of volume up to SKK500 mil. + 0.05 % foreach amount exceedingthis volume€ 33.19 2) SKK 1,000 2)€ 33.19+ notarial feesSKK 1,000+ notarial fees8.2 <strong>Other</strong> Services Related to Lending <strong>and</strong> Loan Administration8.2.1 Loan account maintenance<strong>Price</strong> convertedinto €*<strong>Price</strong> SKK8.2.1.1 – for loans granted in SKK until December 31, 2008 <strong>and</strong> in € from January 1, 2009 € 4.32/month SKK 130/month8.2.1.2 – for loans granted in € until December 31, 2008 € 4/month8.2.1.3 – for loans granted in USD USD 5/month8.2.1.4 – for loans granted in CZK CZK 120/month8.2.1.5 – for loans granted in GBP GBP 2.5/month8.2.1.6 – for loans granted in other currenciesin the respective FCY inthe equivalent of €3.32/monthAmendment to a loan agreement upon client’s request in the form of an amendment(except extension of one or more loan instalments, loan increase <strong>and</strong> shortening of8.2.2 overdraft or revolving loan final maturity, except premature Profi loan, Profinvest loan, min. € 331.94Profinvest plus or Profihypo loan repayment) <strong>and</strong> also changes in documents related to aloan agreement.8.2.3 Each reminder on unpaid due amount sent:8.2.3.1 – commercial loans <strong>and</strong> loans for municipalities€ 16.60 or loan currencyequivalentin the respective FCY inthe equivalent of SKK100/monthSKK min.10,000SKK 500 or loancurrency equivalent8.2.3.2 – Profihypo, mortgage loan € 33.19 SKK 1,0008.2.4 Evaluation of real estate pledge by the bank for Profi loans8.2.4.1 – flat € 99.58 SKK 3,0008.2.4.2 – family house € 149.37 SKK 4,5009. EXPORT FINANCING9.1 Export Financing <strong>Price</strong> €9.1.1 Invoice discounting in form of primary forfaiting 1) upon agreement9.1.2 Invoice discounting in form of export bill of exchange discounting 1) upon agreement9.1.3Granting of an export buyer loan:– administration fee– commitment feeupon agreement9.1.4 Fee for premature repayment of liability upon agreement<strong>Price</strong> convertedinto SKK*Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU memberstates <strong>and</strong> non-residents from countries outside the EU.10. GUARANTEES10.1 Guarantees Upon Client´s Request <strong>Price</strong> €10.1.1 Arrangement of an obligation (conclusion of a Guarantee Issuance Agreement)10.1.2 Issued guarantee* Conversion from € to SKK by conversion rate: € 1 = SKK 30.1260min. 0.25 %,min. € 99.58from 0.5 %/ quarter,min. € 99.58<strong>Price</strong> convertedinto SKK*min. 0.25 %,min. SKK 3,000from 0.5 %/ quarter,min. SKK 3,00013


10.1.3 Amendment to Guarantee Issuance Agreement <strong>and</strong> related documentation min. € 199.16 min. SKK 6,00010.1.4Change in guarantee (an addendum to the guarantee or issuance of a new guaranteereplacing the former one)10.1.5 Commitment to conclude Guarantee Issuance Agreementmin. € 99.58 min. SKK 3,0000.5 %,min. € 165.970.5 %,min. SKK 5,00010.1.6 Performance of the Bank arising out of a guarantee € 99.58 SKK 3,00010.1.7 Cancellation of a guarantee prior to its issuance € 165.97 SKK 5,00010.2 Guarantees Upon Banks’ Requests <strong>Price</strong> €10.2.1 Advising a guarantee to the client0.1 %,min. € 49.79, max. €298.7510.2.2 Advising a change in guarantee € 33.19 SKK 1,000<strong>Price</strong> convertedinto SKK*0.1 %,min. SKK 1,500, max.SKK 9,00011. SECURITIES11.1Maintenance of Securities Account <strong>and</strong> Services of Member of CentralSecurities Depository of SR (CSD)11.1.1 Account maintenance11.1.1.1 – opening of account free of charge11.1.1.2 – change of data on holder’s account free of charge11.1.1.3 – closing of account free of charge<strong>Price</strong> €11.1.1.4 – nominal value of portfolio 1) up to € 331.94 / to SKK 10,000 free of charge11.1.1.5 – nominal value of portfolio 1) up to € 16,596.96,/ to SKK 500,000 € 11.62 2) SKK 350 2)11.1.1.6 – nominal value of portfolio 1) up to € 66,387.84 / to SKK 2,000,000 € 33.19 2) SKK 1,000 2)11.1.1.7 – nominal value of portfolio 1) over € 66,387.84 / over SKK 2,000,000 € 82.98 2) SKK 2,500 2)11.1.2 Transmission of securities11.1.3 Transfers of securities11.1.3.1– transfer of securities with consideration via Bratislava Stock Exchange withoutfinancial settlement, with financial settlement€ 6.64 + € 0.03 persecurity0.15 % of deal volume,min. € 33.19, max. €829.8511.1.3.2 – transfer of securities with consideration via CSD without financial settlement € 16.60 SKK 50011.1.3.3 – transfer of securities with consideration via CSD with financial settlement0.1 % of deal volume,min. € 33.19, max. €829.8511.1.3.4 – transfer of securities from old records without change in securities owner as securities transfer11.1.3.5 – transfer of securities based on Donation Agreement without consideration € 16.60 SKK 50011.1.3.6 – correction of instruction € 4.98 SKK 15011.1.3.7 – unperformed transfer € 9.96 SKK 30011.1.4 <strong>Other</strong> services11.1.4.1 – registration of suspended right to dispose of securities € 6.64 SKK 20011.1.4.2 – cancelling of registration of suspended right to dispose of securities € 6.64 SKK 20011.1.4.311.1.4.4– change statement of accountholder’s account in records of <strong>VUB</strong> as a member of CSDover the scope agreed in the Agreement on Securities Account Maintenance <strong>and</strong>Provision of Services of Central Securities Depository member (Agreement)– balance statement of accountholder’s account in records of <strong>VUB</strong> as a member of CSDover the scope agreed in the Agreement11.1.4.5 – registration of pledge in the pledge register of Central Securities Depository11.1.4.6 – registration of fiduciary transfer in special records of Central Securities Depository€ 3.32 SKK 100€ 3.32 SKK 1000.2 % of receivableamount, min. € 33.19,max. € 829.850.2 % of receivableamount, min. € 33.19,max. € 829.8511.1.4.7 – other services of member of Central Securities Depository individual charges<strong>Price</strong> convertedinto SKK*SKK 200 + SKK 1 persecurity0.15 % of deal volume,min. SKK 1,000, max.SKK 25,0000.1 % of deal volume,min. SKK 1,000, max.SKK 25,0000.2 % of receivableamount, min. SKK 1,000,max. SKK 25,0000.2 % of receivableamount, min. SKK 1,000,max. SKK 25,000Note:1) Average daily nominal value of portfolio = a sum of nominal amount of portfolio for all days, during which the account has been opened / number of days, during which the account has been opened.2) Flat fee including the sending of an annual account statement.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126014


11.2 Capital Market Transactions <strong>Price</strong> €11.2.1 Arrangement of security issues for clients11.2.2 Services related to underwriting <strong>and</strong> placement of securities issued for clients11.2.311.2.4Arrangement of securities quoting at the Bratislava Stock Exchange for the purposes oftheir trading at the quoted market of the stock exchangeProfessional consultancy <strong>and</strong> provision of advisory services in issuing securities <strong>and</strong>other services related to the securities issued0.25% – 1% of issuevolume0.25% – 1% of issuevolume<strong>Price</strong> convertedinto SKK*€ 33.193/hr. SKK 1,000/hr.€ 33.193/hr. 1) SKK 1,000/hr. 1)Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.11.3 Purchase <strong>and</strong> Sale of Securities <strong>Price</strong> €11.3.1 Arrangement of security deals 1)11.3.1.12) 3)Arrangement of purchase (sale) of bonds:<strong>Price</strong> convertedinto SKK*11.3.1.1.1 up to € 33,193.92 / up to SKK 1,000,000 0.5 %, min. € 33.19 0.5 %, min. SKK 1,00011.3.1.1.2 from € 33,193.93 to € 331,939.19 / from SKK 1,000,001 to SKK 10,000,00011.3.1.1.3 from € 331,939.20 to € 663,878.38 / from SKK 10,000,001 to SKK 20,000,000€ 165.97 + 0.25 % ofdeal volume over €33,193.92€ 912.83 + 0.125 % ofdeal volume over €331,939.19SKK 5,000 + 0.25 % ofdeal volume over SKK1,000,000SKK 27,500 + 0.125 % ofdeal volume over SKK10,000,00011.3.1.1.4 over € 663,878.38 /over SKK 20,000,000 € 1,327.76 + individually SKK 40,000 + individually11.3.1.2 Arrangement of purchase (sale) of securities <strong>and</strong> mutual fund certificates: 3)11.3.1.2.1 up to € 33,193.92 / up to SKK 1,000,000 0.95 %, min. € 16.60 0.95 %, min. SKK 50011.3.1.2.2 from € 33,193.93 to € 331,939.19 / from SKK 1,000,001 to SKK 10,000,00011.3.1.2.3 from € 331,939.20 to € 663,878.38 / from SKK 10,000,001 to SKK 20,000,000€ 315.34 + 0.5 % of dealvolume over € 33,193.92€ 1,809.07 + 0.25 % ofdeal volume over €331,939.19SKK 9,500 + 0.5 % ofdeal volume over SKK1,000,000SKK 54,500 + 0.25 % ofdeal volume over SKK10,000,00011.3.1.2.4 over € 663,878.38 /over SKK 20,000,000 € 2,638.92 + individually SKK 79,500 + individually11.3.1.3 Unperformed instruction for purchase (sale)11.3.1.3.1 – in case of deal volume up to € 33,193.92/SKK 1,000,000 € 9.96 SKK 30011.3.1.3.2 – in case of deal volume over € 33,193.92/SKK 1,000,000 free of charge11.3.1.4 Each change in client’s instruction € 3.32 SKK 1002) 0.05 % of volume, min. €11.3.1.5 Mediation of participation in primary issues of securities (shares, bonds, T-bills)33.19 max. € 663.880.05 % of volume, min.SKK 1,000 max. SKK20,00011.3.1.6 Ensuring of execution of offer for takeover <strong>and</strong> obligatory offer for takeover € 3,319.39 SKK 100,00011.3.1.7State treasury bills. Representing the client on the market of short-term securities issued<strong>and</strong> traded by quoting depending on the number of traded T-bills, in case of nominalvalue of € 33,193.92 /SKK 1 mil. per 1 T-bill as follows:11.3.1.7.1 – up to 25 € 11.62 per 1 T-bill SKK 350 per 1 T-bill11.3.1.7.2 – 26 – 10011.3.1.7.3 – 101 <strong>and</strong> more€ 290.45 + € 10.95 per 1T-bill out of volume of T-bills over 25€ 1,037.31 + € 8.30 per 1T-bill out of volume of T-bills over 100SKK 8,750 + SKK 330per 1 T-bill out of volumeof T-bills over 25SKK 31,250 + SKK 250per 1 T-bill out of volumeof T-bills over 10011.3.1.8 Per 1 business case. min. € 165.97 min. SKK 5,000Note:1) In case of mediating a deal with foreign physical securities, the fee charged by the Bank is increased by its costs on their delivery to the depository of the foreign stock exchange or client.2) The deal volume does not include the proportional interest income.3) Third party costs related to the deal are added to the fee (Bratislava Stock Exchange <strong>and</strong> Central Securities Depository). In case of foreign securities, the fees paid to foreign stock broker for mediation.11.4 Purchase <strong>and</strong> Sale of Securities within Portfolio Management Product <strong>Price</strong> €11.4.1The prices calculated according to items specified in section 11.3. Purchase <strong>and</strong> Sale ofSecurities are adjusted for deals performed within the portfolio management product by1), 2), 3)an index of 0.6.<strong>Price</strong> convertedinto SKK** Conversion from € to SKK by conversion rate: € 1 = SKK 30.126015


Note:1) In case of mediating a deal with foreign physical securities, the fee charged by the bank is increased by its costs on their delivery to the depository of the foreign stock exchange or client.2) If justified costs that are not included in the prices for mediation of deals are incurred in mediation of security deals (e.g. fee to a foreign stock broker), these fees are charged to the client in the sameamount.3) Does not apply to arrangement of securities transfer.11.5 Administration of Foreign Securities for Slovak Clients <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*11.5.1 Administration of foreign bonds:11.5.1.1 up to € 33,193.92 / up to SKK 1,000,000 quarterly € 33.19 1) quarterly SKK 1,000 1)11.5.1.2 from € 33,193.93 to / from to SKK 10,000,000quarterly € 33.19 +0.025% out of volumeover € 33,193.92 1) quarterly SKK 1,000 +0.025% out of volumeover SKK 1,000,000 1)€ 331,939.19 SKK 1,000,00011.5.1.3 over € 331,939.19 / over SKK 10,000,000quarterly € 107.88+0.0125% out of volumeover € 331,939.19 1) quarterly SKK 3,250+0.0125% out of volumeover SKK 10,000,000 1)11.5.2 Administration of foreign securities:11.5.2.1 up to € 33,193.92 / up to SKK 1,000,000 quarterly € 33.19 1) quarterly SKK 1,000 1)11.5.2.2 from € 33,193.93 to / from to SKK 10,000,000quarterly € 33.19 + 0.09% out of volume over €33,193.92 1) quarterly SKK 1,000 +0.09 % out of volumeover SKK 1,000,000 1)€ 331,939.19 SKK 1,000,00011.5.2.3 over € 331,939.19 / over SKK 10,000,000quarterly € 302.06 + 0.05% out of volume over €331,939.19 1) quarterly SKK 9,100 +0.05 % out of volumeover SKK 10,000,000 1)Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.2) The fees are calculated from acquisition prices, in cases when these cannot be identified, they are calculated from the fair value of the security. The fee is calculated as an average daily value ofportfolio per month x number of calendar days in the month/360.11.6 Depository Activities <strong>Price</strong> €11.6.1For asset management companies <strong>and</strong> mutual funds, pension management funds <strong>and</strong> pensionfunds, supplementary pension insurance companies, supplementary pension companies <strong>and</strong>supplementary pension fundsSet in the agreement withclient (price subject to 19 %VAT).19 % DPH).<strong>Price</strong> convertedinto SKK*Set in the agreement withclient (price subject to 19 %VAT).11.7 Portfolio Management <strong>Price</strong> €The prices include fees for administering the client’s securities based on thePortfolio Management Agreement, including:– proposing investment strategies for securities <strong>and</strong> their adjustment according toclients’ preferences;– ensuring execution of investment strategy approved by the client;– sending of information to the client on the structure of managed assets;– administration <strong>and</strong> custody of securities (except representation at shareholders’general meetings).The prices do not include: value added tax, fees for security deals, other services,third-party fees (e.g. fees of SCP SR, notarial fees). <strong>Other</strong> services are charged in linewith the applicable <strong>Price</strong> <strong>List</strong> of the Bank. If the price of services is not stated in theapplicable <strong>Price</strong> <strong>List</strong> of the Bank, it is agreed individually.Investments into bonds, mutual funds, deposit certificates, term deposits. Managed assets (average% p. a. of managed11.7.1 value of assets managed by the Bank). The prices are charged on the last day of the respectiveassets 1)calendar quarter.11.7.1.1 up to € 165,969.59 / up to SKK 5 mil. incl. 0,9 % p. a. 1)11.7.1.2 from € 165,969.60 to € 1,659,695.94 / from SKK 5 mil. to SKK 50 mil. incl. 0,7 % p. a. 1)11.7.1.3 over € 1,659,695.94 / over SKK 50 mil. 0,6 % p. a. 1)Investment as in 11.7.1. + shares. Managed assets (average value of assets managed by the Bank). % p. a. of managed11.7.2The prices are charged on the last day of the respective calendar quarter.assets 1)11.7.2.1 up to € 165,969.59 / up to SKK 5 mil. incl. 1,3 % p. a. 1)11.7.2.2 from € 165,969.60 to € 1,659,695.94 / from SKK 5 mil. to SKK 50 mil. incl. 1,1 % p. a. 1)11.7.2.3 over € 1,659,695.94 / over SKK 50 mil. 1,0 % p. a. 1)<strong>Price</strong> convertedinto SKK*Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126016


12. ADVISORY12.1 Advisory <strong>Price</strong> €12.1.1 Elaboration of market assessment in form of:12.1.1.1 – expert opinion€ 8.298/hr. ascompensation forelaboration of opinion,increased by the costsrelated to the elaboration1) 2 )<strong>Price</strong> convertedinto SKK*SKK 250,-/hr. ascompensation forelaboration of opinion,increased by the costsrelated to the elaboration1) 2)12.1.1.2 – professional opinionupon agreement, €8.298/hr. to € 16.597/hr.,depending on thecomplexity ofassessment-relatedworks (costs included inthe price) 1)upon agreement, SKK250,-/hr. to SKK 500,-/hr.,depending on thecomplexity ofassessment-relatedworks (costs included inthe price) 1)Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.2) The price is set pursuant to Art. 28 of Decree of MF SR No. 263/1996 Coll., enforcing the Act on Experts <strong>and</strong> Interpreters.13. CASH DESK SERVICES13.1 Cash Desk Cash Transactions in € <strong>and</strong> FCY <strong>Price</strong> €13.1.1Exchange of incomplete banknotes in SKK* – per each banknote*Valid until 31.12.2009. Exchange of incomplete banknotes in € is performed by NBSonly.13.1.2 Purchase of damaged banknotes (FCY) – for each note13.1.313.1.3.113.1.413.1.5Exchange of banknotes <strong>and</strong> coins (€) for banknotes <strong>and</strong> coins (€) in other nominalvaluesIn case of a larger volume of banknotes <strong>and</strong> coins to be processed, the Bank charges aprocessing fee according to the number of banknotes or coins received, or a fee forprovision of a higher number of coins (over 50 coins) based on the client’s order,irrespective of the nominal value as follows:– for more than 10 banknotes, a fee applies to each started 10 banknotes submitted forexchange (the first 10 are not counted)(example: 1 to 10 pcs – free of charge, 11 to 20 pcs – € 1.66/SKK 50, 21 to 30 pcs –€3.32/SKK 100)– for more than 50 coins submitted for exchange or provided within the exchange basedon an order, a fee applies to each started 50 coins (incl. the first 50 pcs). In case ofexchange or provision of coins only up to 50 coins, the Bank does not charge any coinprocessing fee.(example: 1 to 50 pcs – free of charge, 51 to 100 pcs – € 3.32/SKK 100, 101 to 150pcs – € 4.98/SKK 150)In case coins are received for exchange with a guarantee declaration exceeding 50 coinsa fee applies to processing of each started 50 coins submitted for exchange. The fee canbe agreed within the discretion of the branch manager in form of a monthly flat feedepending on the scope of the relevant services provided to the specific client <strong>and</strong>charged as a non-cash transaction.Coin (€) processing by a self-service automatic coin sorter <strong>and</strong> payout of the equivalentof received coins – for each 50 coins started€ 1.33 SKK 4020 % of nominal value inFCY or 20 % offexchange rate banknotebuyfree of charge13.1.6 Exchange of banknotes (FCY) of the same currency, e.g. changing 1 % in FCY13.1.7 Purchase or exchange of banknotes under statute of limitation for cashNote:1) Coins in FCY the Bank receives only upon separate agreement <strong>and</strong> price.€ 1.66 1) SKK 50 1)exchange free of charge,processing fee € 0.66 1)€ 0.33 SKK 105 % of exchange ratebanknote buy, or nominalvalue in FCY<strong>Price</strong> convertedinto SKK*exchange free of charge,processing fee SKK 20 1)* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126017


13.213.2.113.2.213.2.3Cash Desk Cash Transactions in € <strong>and</strong> FCY – <strong>VUB</strong> Client Accounts in €<strong>and</strong> FCYReceipt of cash at cash desk, in form of sealed package or through cases, or bags fromthe night safe 1)– up to € 9,959.00/SKK 300,024.83/ or conversion in FCY (incl.)– over € 9,959.00/SKK 300,024.83/ or conversion in FCYIf the case/bag contains more cash vouchers, a fee is applicable to each cash voucher.At receipt of coins through night safe cases or bags over 50 coins, additional fee ischarged as in case of coin depositing at a cash desk.In individual cases (client with operations throughout all of Slovakia etc.) the fee can beagreed contractually within the agreement on use of night safe services or sealedpackage concluded at the level of <strong>VUB</strong> headquarters <strong>and</strong> statutory representatives of therespective client.Receipt of cash exceeding 50 coins – for each started 50 coins received at the cashdesk, in sealed packages or submitted with a guarantee declaration.No fee applies to the receipt of up to 50 coins. The fee can be agreed within thediscretion of the branch manager in form of a monthly flat fee depending on the scope ofthe relevant services provided to the specific client.In case of repeated depositing of coins with a guarantee declaration in favour of theclient’s account on one day (except deposits performed in favour of client’s account bydifferent legal entities), the no-fee policy up to 50 coins is not respected.Receipt of cash in larger number of coins (€) – for each started 50 coins received by theself-service automatic coin sorter.The fee can be agreed within the discretion of the branch manager in form of a monthlyflat fee depending on the scope of the relevant services provided to the specific client<strong>and</strong> charged as a non-cash transaction.<strong>Price</strong> €€ 0.830,01 % of deposit<strong>Price</strong> convertedinto SKK*SKK 25€ 0.66 3) SKK 20 3)€ 0.33 SKK 1013.2.413.2.513.2.6Processing of uncorrected adjusted cash at deposit (€ <strong>and</strong> FCY), or higher operosenessat deposit or withdrawal of notes in FCY at cash desk, at number of notes over 500 pcsincl. (mainly non-bank exchange offices). Fee is charged over st<strong>and</strong>ard fee for deposit orwithdrawal.Cash withdrawal at branch cash desk or in form of sealed package from account keptwith <strong>VUB</strong>:– up to € 9,959.00/SKK 300,024.83/ or conversion in FCY (incl.)– over € 9,959.00/SKK 300,024.83/ or conversion in FCYPenalty for failed withdrawal of notified cash withdrawal over € 33,193.92 / SKK1,000,000 or in conversion FCY in the requested deadline0,1 % of uncorrectedadjusted cash/deposit orwithdrawn amount€ 1.16SKK 350.01 % of withdrawn 0.01 % of withdrawnamount, min. € 1.99 1) amount, min. SKK 60 1)1 ‰ of the amount ofnotified withdrawal 2)13.2.7 Provision of cash through the “short cut” transaction for each item except for NBS clients € 1.66 SKK 5013.2.8 Receipt of € in light branches close to the border 1 %13.2.9 Substitute transport permit, insurance <strong>and</strong> visas 2 % in FCY or in €13.2.10 Payout of deposit in € or FCY 1 % in € / FCY13.2.11 Payout of a customs <strong>and</strong> dispatch guarantee (security) 3 % in € / FCYNote:1) fee is st<strong>and</strong>ardly charged from client´s account immediately after transaction2) penalty for failed withdrawal of notified cash withdrawal is charged from account3) coins in FCY the Bank receives only upon separate agreement <strong>and</strong> price13.313.3.1Cash Desk Cash Transactions in € <strong>and</strong> FCY – Account with <strong>Other</strong> FinancialInstitutions (in SR)Receipt <strong>and</strong> depositing of cash in banknotes to an € account kept with another financialinstitution– for each item<strong>Price</strong> €1 % of deposit amount,min. € 6.64<strong>Price</strong> convertedinto SKK*1 % of deposit amount,min. SKK 20013.4 Provision of “Fast Money“ Service (in €) <strong>Price</strong> €13.4.1Provision of the Fast Money service to clients with a <strong>VUB</strong> account:to € 165.97 / up to SKK 5,000from € 165.98 to € 331.94 / from SKK 5,001 to SKK 10,000from € 331.95 to € 1,659.70 / from SKK 10,001 to SKK 50,000from € 1,659.71 to € 3,319.39 / from SKK 50,001 to SKK 100,000for telephone notification of the recipient for collection of cash€ 1.00€ 1.99€ 4.32€ 9.29€ 0.66<strong>Price</strong> convertedinto SKK*SKK 30SKK 60SKK 130SKK 280SKK 20* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126018


14. EXCHANGE OFFICE SERVICES14.1 Cash Transactions with cheque in FCY <strong>Price</strong> €14.1.1 Exchange of banknote for a cheque in the same or different currency14.1.2 Deposits of cheques to a FCY account in currency of the account:free of charge (differencein exchange ratesbanknote buy /FX sell)1 % in FCY, min. € 8.30,max. € 66.3914.1.3 Deposits of cheque to a FCY account in different currency as account currencyfree of charge (differenceof exchange rates FXbuy/ FX sell)14.1.4 Payout of cheques from a FCY account in the currency of the account € 0.50 1) SKK 15 1)Note:1) fee is st<strong>and</strong>ardly charged from client´s account immediately after transaction14.2 Traveller’s, Bank <strong>and</strong> Private cheques 1) <strong>Price</strong> €14.2.114.2.214.2.3Purchase of cheques payout in cash in € or in FCY in currency of the cheque (withoutconversion), payout of a payment received from abroad for a cheque from collection in €or FCY cash in cheque currency (without conversion).Purchase of cheques payout in favour of € account or FCY account in currency ofcheque (without conversion), payout of a payment received from abroad for a chequefrom collection in favour of FCY account (in currency of cheque – without conversion)<strong>and</strong> € account.Payout of a payment received from abroad for a collected cheque in FCY withconversion (in different FCY then cheque currency) in cash or to FCY account.1 %, min. € 8.30,max. unlimited1 %, min. € 8.30, max. €66.39free of charge 2)14.2.4 Exchange of a cheque for banknote in the same or different currency. free of charge 2)14.2.5 Sale of traveller’s cheques 0.5 % in €14.2.6 For returned (unpaid) cheque€ 6.64 + fee of foreignbank14.2.7 Sending (returning) of payment instruments abroad (upon client’s request) € 3.32 SKK 10014.2.8 Verification of bank cheque coverage by swift upon client’s request € 6.64 SKK 200Note:1) a fee is charged at transaction2) difference of exchange rates banknote buy/ FX sell <strong>and</strong> FX-buy/banknote-sell3) The above fees do not include the fee of another bank, which can reduce the cheque’s value<strong>Price</strong> convertedinto SKK*1 % in FCY, min. SKK250, max. SKK 2.000(difference in exchangerates FX buy / FX sell)<strong>Price</strong> convertedinto SKK*1 %, min. SKK 250,max. unlimited1 %, min. SKK 250,max. SKK 2,000SKK 200 + fee of foreignbank14.3 Exchange Rates <strong>Price</strong> €14.3.1 <strong>VUB</strong> Exchange Rates for <strong>VUB</strong> clients only <strong>and</strong> on the date of their validity sent by fax: € 1.66 SKK 5015. RENTAL AND CUSTODY<strong>Price</strong> convertedinto SKK*15.1. Safes <strong>and</strong> Safe Deposit Boxes <strong>Price</strong> €15.1.115.1.1.115.1.1.2.15.1.1.3.Safe deposit box rental (safe service); monthly prices are based on the value up towhich the safe deposit box is insured 1) :Sum insured € 5,000 (SKK 150,630.00)– up to 13,000 cm 3€ 2.49– up to 26,000 cm 3€ 3.49– up to 40,000 cm 3€ 4.15– over 40,000 cm 3 € 5.15Sum insured € 10,000 (SKK 301,260.00) – rental for min. 3 months– up to 13,000 cm 3€ 2.66– up to 26,000 cm 3€ 3.65– up to 40,000 cm 3€ 4.48– over 40,000 cm 3 € 5.48Sum insured € 15,000 (SKK 451,890.00) – rental for min. 3 months– up to 13,000 cm 3€ 2.82– up to 26,000 cm 3€ 3.98– up to 40,000 cm 3€ 4.98– over 40,000 cm 3 € 5.97<strong>Price</strong> convertedinto SKK*SKK 75SKK 105SKK 125SKK 155SKK 80SKK 110SKK 135SKK 165SKK 85SKK 120SKK 150SKK 180* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126019


15.1.1.415.1.1.5Sum insured € 20,000 (SKK 602,520.00) – rental for min. 3 months– up to 13,000 cm 3€ 2.99– up to 26,000 cm 3€ 4.48– up to 40,000 cm 3€ 5.64– over 40,000 cm 3 € 6.64Sum insured € 35,000 (SKK 1,054,410.00) – rental for min. 3 months– up to 13,000 cm 3€ 4.48– up to 26,000 cm 3€ 6.80– up to 40,000 cm 3€ 8.46– over 40,000 cm 3 € 9.96Sum insured € 95,000 SKK 2,861,970.00) – individually only, safe deposit box must belocated in a strong room – rental for min. 3 months– up to 13,000 cm 3€ 12.1215.1.1.6– up to 26,000 cm 3€ 18.42– up to 40,000 cm 3€ 22.90– over 40,000 cm 3 € 26.8915.1.2 Custody in safe except from securities: 2)15.1.2.115.1.2.215.1.2.315.1.2.415.1.2.515.1.2.615.1.2.7Sum insured € 5,000 (SKK 150,630.00)– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsSum insured € 10, 000 (SKK 301,260.00)– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsSum insured € 15,000 (SKK 451,890.00)– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsSum insured € 20,000 (SKK 602,520.00)– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsSum insured € 35,000 (SKK 1,054,410.00)– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsSum insured € 95,000 (SKK 2,861,970.00) – individually only, a sealed case must belocated in a strong room– up to 1 month– from 1 to 3 months– from 3 to 6 months– from 6 to 9 months– from 9 to 12 monthsThe price is set for custody lasting more than 12 months as a total of price for 12 months<strong>and</strong> price for appropriate number of months over 12 months. 2)E.g. price of custody at the sum insured of € 5,000 for 15 months: € 82.98/SKK 2,500/12months + € 23.24/SKK 700/3 months = € 106.22/SKK 3,200. In the price calculation it isnecessary to add a month when value was taken to custody <strong>and</strong> month when depositwas issued from custody.€ 11.62€ 23.24€ 43.15€ 63.07€ 82.98€ 13.28€ 29.87€ 56.43€ 82.98€ 109.54€ 14.94€ 36.51€ 68.05€ 101.24€ 132.78€ 16.60€ 43.15€ 81.33€ 122.82€ 159.33€ 24.90€ 64.73€ 122.15€ 184.23€ 239.00€ 66.39€ 172.61€ 328.62€ 494.59€ 643.96SKK 90SKK 135SKK 170SKK 200SKK 135SKK 205SKK 255SKK 300SKK 365SKK 555SKK 690SKK 810SKK 350SKK 700SKK 1,300SKK 1,900SKK 2,500SKK 400SKK 900SKK 1,700SKK 2,500SKK 3,300SKK 450SKK 1,100SKK 2,050SKK 3,050SKK 4,000SKK 500SKK 1,300SKK 2,450SKK 3,700SKK 4,800SKK 750SKK 1,950SKK 3,680SKK 5,550SKK 7,200SKK 2,000SKK 5,200SKK 9,900SKK 14,900SKK 19,40015.1.3 Per each repeated (more than once in a business day) access to safe deposit box € 1.66 1) SKK 50 1)15.1.4Custody in safe – each temporary issue <strong>and</strong> subsequent deposit acceptance orexchange of sealed case for another sealed case under the same deposit number.€ 1.66 2) SKK 50 2)Note:1) The prices are subject to a 19 % VAT.2) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126020


15.2 Securities Safekeeping, Custody <strong>and</strong> Administration <strong>Price</strong> €15.2.1<strong>Price</strong> for physical securities custody is set as the total of basic price, which includes thesum insured of deposit <strong>and</strong> securities h<strong>and</strong>ling price. The annual basic price forsecurities custody is based on a face value of security taken to custody.Custody of physical securities – annually: the lowest price of custody is set as a monthlyprice amounting to 1/12 of annual fee. 1)15.2.1.1 up to € 3,319.39 / up to SKK 100,0000.30 % p. a.,min. € 6.6415.2.1.2 from € 3,319.40 to € 16,596.96 / from SKK 100,001 to SKK 500,000 0.25 % p. a.15.2.1.3 from € 16,596.97 to € 33,193.92 / from SKK 500,001 to SKK 1,000,000 0.23 % p. a.15.2.1.4 from € 33,193.93 to € 331,939.19/ from SKK 1,000,001 to SKK 10,000,000 0.21 % p. a.15.2.1.5 over € 331,939.19 / over SKK 10,000,001 set individually15.2.2 Fee for securities h<strong>and</strong>ling of 1) :<strong>Price</strong> convertedinto SKK*0.30 % p. a.,min. SKK 20015.2.2.1 – own physical securities – each piece € 0.33 SKK 1015.2.2.2 – third parties’ physical securities – each piece € 1.00 SKK 3015.2.3Custody <strong>and</strong> administration of securities is derived from a price for safekeeping multipliedby a coefficient 1) coefficient = 1,215.2.4 Custody <strong>and</strong> administration of third parties’ physical securities set individually15.2.5 H<strong>and</strong>ling of physical securities for temporary h<strong>and</strong>over of securities from custody: 1)15.2.5.1 – own physical securities – each piece € 0.66 SKK 2015.2.5.2 – third parties’ physical securities – each piece € 1.99 SKK 6015.2 6Custody of third parties’ physical securities in provision of depository function for clients ofthe Bank.set individuallyNote:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states <strong>and</strong> nonresidentsfrom countries outside the EU.16. INFORMATION SERVICES16.1 Information <strong>and</strong> Mediation Services <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*16.1.1 Mediation <strong>and</strong> providing bank information on a local or international company € 33.19 1) 2) 1) 2)SKK 1,00016.1.2 Bank references on <strong>VUB</strong> client at own request. € 16.60 1) SKK 500 1)16.1.3 Providing bank reports or confirmation for audit purposes:16.1.3.1– requested by auditor 3)It involves refund of expenses incurred to <strong>VUB</strong> for provision of client information, incompliance with Article 92 clause 9 of the Banking Act No. 483/2001 or in line withspecial law€ 33.19 SKK 1,00016.1.3.2. – upon client´ s request, about which the bank report or confirmation is prepared € 49.79 1) SKK 1,500 1)16.1.3.316.1.4– upon client’s request, about which the bank report or confirmation is prepared – anegative reportMediation of business information on a local or international company from informationagency. The client pays all fees charged by information agency:€ 16.60 1) SKK 500 1)16.1.4.1 – Slovakia € 33.76 1) SKK 1,017 1)16.1.4.2 – Czech Republic € 33.76 1) SKK 1,017 1)16.1.4.3 – Germany, Austria € 40.53 1) SKK 1,221 1)16.1.4.4 – Zone 1 € 54.01 1) SKK 1,627 1)16.1.4.5 – Zone 2 € 101.27 1) SKK 3,051 1)16.1.4.6 – Zone 3 € 128.29 1) SKK 3,865 1)Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.2) The price is increased by fees charged by a correspondent bank.3) The prices are subject to a 19 % VAT.16.2 Information Provided via Internet <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*16.2.1 Analyses of joint stock companies € 49.79 1) SKK 1,500 1)16.2.2 Analyses of sectors € 33.19 1) SKK 1,000 1)16.2.3Analyses of joint stock companies <strong>and</strong> sectors together. After the price for the service ispaid, the client is sent a password, which makes the relevant part of the analysisavailable for a period of six months.€ 66.39 1) SKK 2,000 1)* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126021


Note:1) The prices are subject to a 19 % VAT in case of residents <strong>and</strong> non-entrepreneurs from EU member states; the prices are exempted from the 19 % VAT in case of entrepreneurs from EU member states<strong>and</strong> non-residents from countries outside the EU.17. OTHER SERVICES17.1 Services <strong>Price</strong> €17.1.Providing client-related messages– to a court <strong>and</strong> notary as a judicial officer for purposes of civil court proceeding 1) ,– for purposes of judicial executor appointed to execution under the special law 1), .It is a compensation of costs incurred to <strong>VUB</strong> for provision of client-related informationunder Article 92, Section 9 of Banking Act No. 483/2001.€ 16.60 SKK 50017.2. Special confirmation of executed payment € 1.00 SKK 3017.3.Issuing of a bank voucher copy (per page)Fee is not charged to tax authority (account statements, etc.)17.4.International transactions for unauthorized complaints on procedures executed in FCYolder than three months17.5. Telefax services per page 2)€ 0.17 /page SKK 5 /page€ 26.56 SKK 80017.5.1. – in Europe € 2.79 1) SKK 84 1)17.5.2. – other countries <strong>and</strong> overseas € 4.65 1) SKK 140 1)17.5.3. – in Slovakia17.5.3.1 – for the first page € 1.19 1) SKK 36 1)17.5.3.2 – for every following page € 0.80 1) SKK 24 1)17.6. For swift services per message 2) € 3.32 1) SKK 100 1)17.7.<strong>Price</strong> convertedinto SKK*Compensation of administrative costs for granting commercial information per each 15min. of manual work, even started 2) € 3.319 /15 min. 1) SKK 100 /15 min. 1)17.8. A fee for maintaining a discretion, court´s ruling on client´s account.17.9. Courier serviceOne-off fee of € 16.60after the delivery of adistrainment decisionactual costs, includinginput VAT 1)One-off fee of SKK 500after the delivery of adistrainment decision17.10. Use of blue card ensuring preferential servicing of entrepreneurs 3) € 16.60/month SKK 500/monthNote:1) The price is subject to a 19% VAT.2) For items 17.5, 17.6., 17.7. the compensation/fee is subject to a 19% VAT only if these services are used for transactions charged with VAT. If they are provided with a main service/activity exemptedfrom VAT or it is not subject to VAT, these fees are VAT exempted then.3) If the blue card is not included in the price of <strong>VUB</strong> account.18. FEES FOR MERCHANTS ACCEPTING PAYMENT CARDS BY EFT POSTERMINALS18.1 Fees for POSnet SystemName of servicepackageTurnover/POS/monthTurnover/POS/month(€) 1) (turnover convertedinto SKK*) 1)* Conversion from € to SKK by conversion rate: € 1 = SKK 30.1260Service fee(€)Service fee(price converted intoSKK*)Commission %Starter up to 331.94 up to 10,000 36.18 1,090 -Economy up to 995.82 up to 30,000 29.87 900 2.1Accelerator up to 1,991.64 up to 60,000 26.56 800 2.0Perfomer up to 3,319.39 up to 100,000 18.26 550 1.9Starter 250 up to 4,979.09 up to 150,000 10.62 320 1.8Starter 500 up to 9,958.18 up to 300,000 6.64 200 1.7Extra over 9,958.18 over 300,000 0 0 1.4GPRS Economy up to 3,319.39 up to 100,000 39.83 1,200 2.2GPRS Performer up to 9,958.18 up to 300,000 13.28 400 1.7GPRS Extra over 9,958.18 over 300,000 6.64 200 1.41) Total turnover of all transactions performed via an EFT POS terminal in relevant montha) Transactions by Diners Club International cards – 3.5% of each transaction <strong>and</strong> transaction made by JBC International cards – 3.85 % of the volume of each transaction.b) If merchant asks for installation of ISDN terminal adapter, all types of service packages (except from GPRS Economy <strong>and</strong> GPRS Performer) will be charged with a monthly fee of € 4.98/ SKK 150*for one port (1 EFT POS connected) <strong>and</strong> € 8.30/SKK 250* for two-port terminal adapter (2 EFT POS connected).c) Fee for express EFT POS installation in less than 48 hours – € 53.11/SKK 1,600*.d) <strong>Price</strong> of service package (all types) in a month of EFT POS terminal installation is not charged with a “Service Fee“.e) In case of POSnet system, the discount on fees <strong>and</strong> commission for one EFT POS within the <strong>VUB</strong>usiness POS account amounting to € 1.66/SKK 50* <strong>and</strong> within the flexibusiness account in €amounting to € 4.98/SKK 150*, € 8.30/SKK 250 or € 11.62/SKK 350, of client´s choice, is applied starting from the month following the month of terminal installation.22


18.2 Fees for Commission SystemMerchant categorySupermarkets(6< EFT POS)from € 1,991.64/ SKK 60,000*up to € 3,319.39 /SKK 100,000 *Expected monthly turnover per 1 EFT POS by cards in €from € 3,319.40 /SKK 100,001*up to € 4,979.09 /SKK 150,000*from € 4,979.10 /SKK 150,001*up to € 9,958.18 / SKK 300,000*<strong>VUB</strong> CARD & DPCs Inter. card <strong>VUB</strong> CARD & DPCs Inter. card <strong>VUB</strong> CARD & DPCs Inter. card2.0% 2.5% 1.8% 2.5% 1.6% 2.5%Gas stations 2.2% 2.5% 2.0% 2.5% 1,7% 2.5%Hotels, restaurants 2.0% 2.7% 1.8% 2.6% 1.7% 2.5%Grocery & drug stores 2.0% 2.5% 1.9% 2.5% 1.7% 2.5%<strong>Other</strong> 2.3% 2.8% 2.0% 2.6% 1.8% 2.5%Should the monthly card turnover per one EFT POS be expected to be lower than € 1,991.64/SKK 60,000, individual conditions shall be agreed.Expected monthly turnover per 1 EFT POS by cards in €Merchant categoryfrom € 9,958.19/SKK 300,001*up to € 16,596.96/SKK 500,000*from € 16,596.97/SKK 500,001*up to € 33,193.92/SKK 1,000,000*over € 33,193.92/SKK 1,000,000*<strong>VUB</strong> CARD & DPCs Inter. card <strong>VUB</strong> CARD & DPCs Inter. card <strong>VUB</strong> CARD & DPCs Inter. cardSupermarkets(6< EFT POS)1.5% 2.5% 1.3% 2.5% 1.1% 2.5%Gas stations 1.4% 2.5% 1.2% 2.5% 1.0% 2.5%Hotels, restaurants 1.6% 2.4% 1.5% 2.2% 1.4% 2.1%Grocery & drug stores 1.6% 2.5% 1.4% 2.5% 1.2% 2.5%<strong>Other</strong> 1.7% 2.5% 1.4% 2.5% 1.3% 2.4%DPCs – domestic payment cards issued by banks resident in Slovakia or banks authorized to issue payment cards in Slovakiaa) Commission for hypermarkets is set individually at the Headquarters level.b) Commission proposed for merchant is set as a percentage of total turnover via EFT POS terminals distributed to <strong>VUB</strong> cards, card association <strong>and</strong> international cards.If the merchant does not reach an average monthly turnover of € 1,991.64/SKK 60 thous per one EFT POS/operation a flat monthly fee for each terminal depending on the contracted commissionwill be automatically charged. The amount of flat fee is shown in the below table:Contracted commission for Card Assoc. & <strong>VUB</strong> (%)Flat fee for turnover less than€ 1,991.64 (SKK 60 thous.*) per EFT POSup to 2,1 € 16.27 (SKK 490*)over 2,11 € 13.28 (SKK 400*)c) Flat fee is not charged in first 3 months (including a month of terminal installation) except from flexibusiness account where the fee is not paid for a month when the terminal was installed.d) Transactions by Diners Club International cards – 3.5% of each transaction <strong>and</strong> transactions made by JCB International cards – 3.85 % of the volume of each transaction.e) Fees of express installation of EFT POS terminal in 48 hours – € 53.11/SKK 1,600.f) In case of commission system, the discount on fees <strong>and</strong> commission for one EFT POS within the <strong>VUB</strong>usiness POS account amounting to € 1.66/SKK 50 <strong>and</strong> within the flexibusiness account in €amounting to € 4.98, 8.30 or 11.62/SKK 150, 250 or 350 of client´s choice, is applied starting from the month following the month of terminal installation.19. MEDIATED SALE OF INSURANCE• Insurance of key person in company– annual insurance against death, total permanent disability <strong>and</strong> hospitalisation of key person of the company with the possibility of automatic renewal fornext year– option to collect sum insured– monthly premium payment– premium amount is set on individual basis• <strong>Other</strong> types of insurance are arranged on individual basis.20. <strong>VUB</strong> ASSET MANAGEMENT INVESTMENT PRODUCTSEntry Fees 1)Total investment value/Total investment value calculatedby conversion rate *Money MarketEURO FundConservativePortfolioBond funds,Dynamic Portfolio<strong>and</strong> EstatePortfolioBalanced GrowthFundup to € 3,319.39 / up to SKK 100,000 0.25 % 0.50 % 1.50 % 3.30 %from € 3,319.39 incl. to € 16,596.96 / from SKK 100,000 incl. to SKK 500,000 0.20 % 0.40 % 1.10 % 2.60 %from € 16,596.96 incl. to € 33,193.92 / from SKK 500,000 incl. to SKK 1,000,000 0.15 % 0.30 % 0.80 % 2.00 %* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126023


from € 33,193.92 incl. to € 165,969.59 / from SKK 1,000,000 incl. to SKK 5,000,000 0.10 % 0.20 % 0.50 % 1.20 %over € 165,969.59 incl. / over SKK 5,000,000 incl. 0.05 % 0.10 % 0.20 % 0.50 %1) The amount of entry fee depends on total investment value.Total investment value equals the sum of invested amount <strong>and</strong> the current value of trustee shares of any of <strong>VUB</strong> AM funds possessed todate, calculated on the basis of the last available value on the investment date.Discounts on entry fees up to 50% of the entry fees for the particular fund are applicable to mutual fund investments made via Internet banking /Internet bankingPlus.Exit Feesfrom Money Market EURO Fund 0.00 %from other fundsup to 1 year 0.80 %after 1 year 0.00 %Transfer Feesfrom Money Market EURO Funddifference of entry feesfrom other funds to Money Market EURO Fundin the amount of exit feefrom other funds to different than money market EURO fund in the amount of exit fee, minimum 0.20 %In case of transfer among VÚB AM mutual funds via Internet banking/Internet banking Plus a 50 % discount from the transfer fee is provided.Warning:Investments in mutual funds are associated with a risk. A value of investment may grow, stagnate or decrease <strong>and</strong> return of originally invested amount is notguaranteed. Charters, selling materials <strong>and</strong> simplified prospectuses are available at all points of sale, <strong>VUB</strong> branches <strong>and</strong> seat of the company. In compliancewith the approved charters, a share of securities or financial market instruments issued or guaranteed by government listed in the charters of individual fundsmay exceed 35% of the asset value in the fund, whereas it can equal as much as 100% of this value.21. FOREIGN MUTUAL FUNDSMutual FundsEntry feesType of fundAmountBond Funds 1.50 %Hedge Funds 1.50 %Equity Funds 3.30 %<strong>Other</strong>s 3.30 %from all fundsExit feeswithin 1 year 0.00 %after 1 year 0.00 %Additional servicesExceptional sending of confirmation € 3.32 SKK 100Investments in mutual funds are associated with a risk. A value of investment may grow, stagnate or decrease <strong>and</strong> return of originally invested amount is notguaranteed. Prospectuses are available at all points of sale, <strong>VUB</strong> branches <strong>and</strong> internet www.vub.sk .* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126024


III. SERVICES PROVIDED TO BANKS1. Current Accounts (loro account) in € <strong>and</strong> FCY <strong>Price</strong> €1.1. Account opening free of charge1.2 Account maintenanceas contracted, max.€ 33.19/month1.3 Credit interest upon agreement1.4 Debit interest upon agreement1.5 Account statement sent by SWIFT MT950/940 free of charge1.6 Interest rate sent by mail, fax, e-mail € 16.60 SKK 5001.7 Credit/debit advice MT900/910 upon agreement<strong>Price</strong> convertedinto SKK*as contracted, max.SKK 1,000/month2 International payments in € <strong>and</strong> FCY <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*2.1 International payments in €2.1.1 – incoming free of charge2.1.2 – outgoing in <strong>VUB</strong> € 1.00 SKK 30.132.1.3 – outgoing out of <strong>VUB</strong> before cut-off time € 1.50 SKK 45.192.1.4 – outgoing out of <strong>VUB</strong> after cut-off time € 5.00 SKK 150.632.2 International payments in FCY:2.2.1 – incoming free of charge2.2.2 – outgoing € 9.96 SKK 3003 Client Payments (Documentary Payments) <strong>Price</strong> €3.1 In favour of <strong>VUB</strong> clients:3.1.1 – instruction “BEN/SHA“ (expenses charged to beneficiary) free of charge– instruction “OUR“ (expenses charged to payer):from € 0.01 to € 33.19 / from SKK 0.01 to SKK 1,000.00from € 33.20 to € 1,659.70 / from SKK 1,000.01 to SKK 50,000.003.1.2from € 1,659.71 to € 16,596.96 / from SKK 50,000.01 to SKK 500,000.00from € 16,596.97 to € 33,193.92 / from SKK 500,000.01 to SKK 1,000,000.00from € 33,193.93 <strong>and</strong> more / from SKK 1,000,000.01<strong>and</strong> more3.2 In favour of clients from other banks:3.2.13.2.2–- instruction “BEN/SHA non-regulated“:from € 0.01 to € 33.19 / from SKK 0.01 to SKK 1,000.00from € 33.20 to € 1,659.70 / from SKK 1,000.01 to SKK 50,000.00from € 1,659.71 to € 16,596.96 / from SKK 50,000.01 to SKK 500,000.00from € 16,596.97 to € 33,193.92 / from SKK 500,000.01 to SKK 1,000,000.00from € 33,193.93 <strong>and</strong> more / from SKK 1,000,000.01<strong>and</strong> more– instruction “OUR“:from € 0.01 to € 33.19 / from SKK 0.01 to SKK 1,000.00from € 33.20 to € 1,659.70 / from SKK 1,000.01 to SKK 50,000.00from € 1,659.71 to € 16,596.96 / from SKK 50,000.01 to SKK 500,000.00from € 16,596.97 to € 33,193.92 / from SKK 500,000.01 to SKK 1,000,000.00from € 33,193.93 <strong>and</strong> more / from SKK 1,000,000.01<strong>and</strong> morefree of charge€ 9.96€ 19.92€ 29.87€ 39.83free of charge€ 9.96€ 19.92€ 29.87€ 39.83free of charge€ 9.96€ 19.92€ 29.87€ 39.83<strong>Price</strong> convertedinto SKK*SKK 300SKK 600SKK 900SKK 1,200SKK 300SKK 600SKK 900SKK 1,200SKK 300SKK 600SKK 900SKK 1,2003.3 Regulated transfers: within <strong>VUB</strong> <strong>and</strong> to other banks, fees are paid by payer´s bank € 1.25 SKK 37.663.4Extra fee for manual correction – charged to a sending bank (payments in favour of<strong>VUB</strong>’s clients or other banks‘ clients)€ 6.64(or FCY equivalent)SKK 200(or FCY equivalent)Note:1) The fee for a payment in FCY with instruction “OUR“ can be expressed in the respective currency, if the fee forms a part of the payment <strong>and</strong> it is shown in the field 71G of the MT 103 payment order.4 <strong>Other</strong> Services <strong>Price</strong> €4.1. Change / cancellation of payment order:4.1.1 – before its execution € 26.56 SKK 8004.1.2. – after its execution € 49.79 SKK 1,500<strong>Price</strong> convertedinto SKK** Conversion from € to SKK by conversion rate: € 1 = SKK 30.126025


4.2. Back value dating4.3. Unjustified complaint of interbank payment or client’s payment€ 49.79+ relevant interest4.3.1. – less than 3 months after its execution € 16.60 SKK 500SKK 1,500+ relevant interest4.3.2. – after 3 months after its execution € 66.39 SKK 2,0005 Guarantees Upon Banks’ Requests <strong>Price</strong> €5.1.Take over of guarantee– charged per each started quarter of guarantee’s validity period, always on the first dayof quarter in advanceupon bank’s rating 1) , min.€ 49.79<strong>Price</strong> convertedinto SKK*upon bank’s rating 1) ,min. SKK 1,5005.2. Change of guarantee min. € 49.79 min. SKK 1,500Processing fee5.3. – one-off fee, charged for issuance of commitment or guarantee issued but notdelivered to the beneficiaryNote:1) A bank is assigned a rating upon <strong>VUB</strong>’s evaluation.upon bank’s rating 1) ,min. € 49.79upon bank’s rating 1) ,min. SKK 1,500* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126026


IV. PRICES FOR SERVICES CURRENTLY NOT SOLD BY <strong>VUB</strong><strong>VUB</strong> accounts1 <strong>VUB</strong>usiness <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*1.1 <strong>Price</strong> 1) € 7.10/month SKK 214/mon thThe price includes– maintenance of current account in €– account statement once a month sent by post as at the end of the month in Slovakia– 5 accounting items per month– establishment <strong>and</strong> use of Kontakt Service, Mobil banking, Internet Banking/ InternetBanking Plus1.2 – entry <strong>and</strong> change of st<strong>and</strong>ing orders <strong>and</strong> automatic transfers– re-issuance of one payment card for account holder – VISA Business (originallyst<strong>and</strong>ard VISA Classic) or MasterCard Business (originally st<strong>and</strong>ard MasterCard) asselected by the client (no travel insurance) <strong>and</strong> access to account balance via ATMusing this payment card– granting of Kontokredit – automatic limit of authorized overdraft on current accountunder st<strong>and</strong>ard conditions specified by the Bank1.3 <strong>Other</strong> banking products at discounted prices (charged separately) 2)1.3.1Optional renewal of other debit payment cards or package of cards (maximum 5 cards)1.3.2 Insurance of a key person in company individuallyNote:1) The account holder will be charged prices as indicated in the valid <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> for other services not included in the price of account.2) In case of discounts indicated in relation to the account, the prices for these products or services will be charged separately.30 % discount on fee forre-issuance of debitpayment card or packageof cards2 <strong>VUB</strong>usiness Plus <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*2.1 <strong>Price</strong> 1) € 20.05/month SKK 604/mont hThe price of package includes– maintenance of current account in €– account statement once a month sent by post as at the end of the month in Slovakia– 100 accounting items per month– establishment <strong>and</strong> usage of Kontakt Service, Mobil banking, Internet Banking/InternetBanking Plus or business banking (originally New Home Banking)– entry <strong>and</strong> change of st<strong>and</strong>ing orders <strong>and</strong> automatic transfers2.2 – re-issuance of one payment card for account holder – VISA Business (originallyst<strong>and</strong>ard VISA Classic) or MasterCard Business (originally st<strong>and</strong>ard MasterCard) asselected by client (no travel insurance) <strong>and</strong> access to account balance via ATM usingthis payment card– granting of Kontokredit – automatic limit of authorized overdraft on current accountunder st<strong>and</strong>ard conditions specified by the Bank– use of Internet Banking Plus– blue card ensuring preferential service2.3 <strong>Other</strong> banking products at discounted prices (charged separately) 2)2.3.1 Operation of business banking (originally New Home Banking)10 % discount onmonthly fee30 % discount on fee for2.3.2Optional renewal of other debit payment cards or package of cards (maximum 7 cards) re-issuance of debitpayment card or packageof cards2.3.3 Insurance of a key person in company individuallyNote:1) The account holder will be charged prices as indicated in the valid <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> for other services not included in the price of account.2) In case of discounts indicated in relation to the account, the prices for these products or services will be charged separately.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126027


3 <strong>VUB</strong>usiness Gold <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*3.1 <strong>Price</strong> 1) € 36.65/month SKK 1,104/monthThe price of package includes– maintenance of current account in €– account statement once a month sent by post as at the end of the month in Slovakia– 200 accounting items per month– establishment <strong>and</strong> usage of Kontakt Service, Mobil banking, Internet Banking/InternetBanking Plus or business banking (originally New Home Banking)– entry <strong>and</strong> change of st<strong>and</strong>ing orders <strong>and</strong> automatic transfers– re-issuance of one payment card for account holder – VISA Business (originallyst<strong>and</strong>ard VISA Classic) or MasterCard Business (originally st<strong>and</strong>ard MasterCard) as3.2selected by the client (no travel insurance) <strong>and</strong> access to account balance via ATMusing this payment card– granting of Kontokredit – automatic limit of authorized overdraft on current accountunder st<strong>and</strong>ard conditions specified by the Bank– use of Internet Banking Plus– establishment of service to send SMS about transactions on the current account viaKontakt, Mobil banking, Internet Banking or Internet Banking Plus– 20 SMS about transactions on the current account per month– blue card ensuring preferential servicing3.3 <strong>Other</strong> banking products at discounted prices (charged separately) 2)3.3.1 Operation of business banking (originally New Home Banking)50 % discount onmonthly fee30 % discount on fee for3.3.2Optional renewal of other debit payment cards or package of cards (maximum 7 cards) re-issuance of debitpayment cards orpackage of cards3.3.3 Insurance of a key person in company individuallyNote:1) The account holder will be charged prices as indicated in the valid <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> for other services not included in the price of account2) In case of discounts indicated in relation to the account, the prices for these products or services will be charged separately.4 <strong>VUB</strong>usiness POS <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*4.1 <strong>Price</strong> 1) € 13.41/month SKK 404/monthThe price of package includes– maintenance of current account in €– discount on services of one EFT POS in accordance with <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> related toPOS net services <strong>and</strong> commission system– account statement once a month sent by post as at the end of the month in Slovakia– 20 accounting items per month– establishment <strong>and</strong> usage of Kontakt Service, Mobil banking, Internet Banking/InternetBanking Plus or business banking (originally New Home Banking)4.2 – entry <strong>and</strong> change of st<strong>and</strong>ing orders <strong>and</strong> automatic transfers– re-issuance of one payment card for account holder – VISA Business (originallyst<strong>and</strong>ard VISA Classic) or MasterCard Business (originally st<strong>and</strong>ard MasterCard) asselected by the client (no travel insurance) <strong>and</strong> access to account balance via ATMusing this payment card– granting of Kontokredit – automatic limit of authorized overdraft on current accountunder st<strong>and</strong>ard conditions specified by the Bank– use of Internet Banking Plus– blue card ensuring preferential servicing4.3 <strong>Other</strong> banking products at discounted prices (charged separately) 2)4.3.1 Operation of business banking (originally New Home Banking)10 % discount onmonthly fee30 % discount on fee for4.3.2Optional renewal of other debit payment cards or package of cards (maximum 7 cards) re-issuance of debitpayment card or packageof cards4.3.3 Insurance of a key person in company individuallyNote:1) The account holder will be charged prices as indicated in the valid <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> for other services not included in the price of account.2) In case of discounts indicated in relation to the account, the prices for these products or services will be charged separately.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126028


5 <strong>VUB</strong>usiness Professional <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*5.1 <strong>Price</strong> 1) € 7.10/month SKK 214/month5.2The price includes– maintenance of current account in €– account statement once a month sent by post as at the end of the month in Slovakia– 5 accounting items per month– establishment <strong>and</strong> usage of Kontakt Service, Mobil banking, Internet Banking/InternetBanking Plus or business banking (originally New Home Banking)– entry <strong>and</strong> change of st<strong>and</strong>ing orders <strong>and</strong> automatic transfers– re-issuance of payment card for account holder – VISA Business (no travel insurance)with a special card design or issuance /re-issuance of gold card MasterCardBusiness 2) <strong>and</strong> access to account balance via ATM using this payment card– granting of Kontokredit – automatic limit of authorized overdraft on current accountunder st<strong>and</strong>ard conditions specified by the Bank– use of Internet Banking Plus– blue card ensuring preferential servicing5.3 <strong>Other</strong> banking products at discounted prices (charged separately) 3)30 % discount on fee for5.3.1Optional renewal of other debit payment cards or package of cards (maximum 5 cards) re-issuance of debitpayment cards orpackage of cards5.3.2Possibility of opening <strong>and</strong> maintaining current account (for notary publics – current No fees for maintenanceaccount – notary custody, for distrainers – current account – somebody else’s money 4)of this account5.3.3 Insurance of a key person in company individuallyNote:1) The account holder will be charged prices as indicated in the valid <strong>VUB</strong> <strong>Price</strong> <strong>List</strong> for other services not included in the price of account.2) For fee with a 30 % discount.3) In case of discounts indicated in relation to the account, the prices for these products or services will be charged separately.4) Account maintenance, account statement once a month as at the end of the month free of charge, establishment of Kontakt Service, Internet Banking, Mobil banking, all credit <strong>and</strong> debit items free ofcharge are included in the current account.6 MasterCard <strong>and</strong> VISA Debit Payment Cards <strong>Price</strong> €<strong>Price</strong> convertedinto SKK*6.1 VISA Business Gold € 82.98/year SKK 2,500/year6.2 VISA Business Gold (formerly as a part of Business Card Gold Package) € 82.98/year SKK 2,500/year6.3 MasterCard Business as part of <strong>VUB</strong> account (formerly st<strong>and</strong>ard card) € 23.24/year SKK 700/year6.4 VISA Business as part of <strong>VUB</strong> account (formerly st<strong>and</strong>ard card) € 23.24/year SKK 700/year7 Charge Credit Cards <strong>Price</strong> €7.1 VISA Business Silver<strong>Price</strong> convertedinto SKK*7.1.1 Card issuance/renewal (including basic travel insurance package) 1) € 71.00/year SKK 2,138.95/year7.1.2 Above-st<strong>and</strong>ard travel insurance package 2) € 9.00 SKK 271.13Note:1) Fee for card issuance/renewal also includes the Basic Generali Travel Insurance: Insurance of Medical Expenses, Insurance of Complete <strong>and</strong> Permanent Disability <strong>and</strong> Death in the Event of Accident.2) Additional fee for the Above-st<strong>and</strong>ard Generali Travel Insurance Package includes: Insurance of Individual Liability for Caused Damage, Insurance of Personal Belongings <strong>and</strong> Luggage.* Conversion from € to SKK by conversion rate: € 1 = SKK 30.126029

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