Conditions valid from 1 September 2011.

WE GIVE MORE TO MUNICIPALITIES

Packages for banking services designed for municipalities.

The bank has launched a favourable offer of municipal packages aimed to:

• save your time
• save your money
• give you our professional advice

Who are beneficiaries of the packages?

• legal entities – local governments (towns, villages, upper-tier units)
• organizations, set-up by municipalities (budgetary and contributory ones ...).

The bank´s municipal packages offer:

• most frequent banking services comprised in a package for a monthly fee
• a favourable access to your cash anywhere through withdrawals made by a payment card from ATMs, in a post office and in branches of other banks
• an opportunity to use the MUNICIPALIA advisory–information portal, providing an access to advisory services in various areas (tax, legal issues and projects)
• a unique opportunity to receive a municipal package free of charge

Select a package of services for your town or village tailored to your needs according to:

• a frequency of your current account banking
• a corresponding scope of services
• fees totalling EUR 3.80, EUR 9.90 or EUR 24.50

	Municipal	Municipal Plus	Municipal Exclusive
	EUR 3.80	EUR 9.90	EUR 24.50
Services comprised in the package	Content of the package /1month
EUR current account maintenance
bank statements sent by mail within Slovakia once a month
standing orders and collections opening
fees for incoming payments	10	20	all
fees for outgoing payments from domestic and regulated payment orders, standing orders and collection	10	20	all
fees and accounting items for cash deposits in a branch	5	5	all
fees and accounting items for cash withdrawals in a branch	5	5	all
monthly fee for all Maestro payment cards
monthly fee for MasterCard Red payment card	-	-	all
fees for withdrawals from the bank´s ATMs	all	all	all
fees for withdrawals from an ATM of another bank in Slovakia /abroad or for withdrawals through cash-advance service	all	all	all
e-Banka /e-Banka offline (internet banking) installation and use
a 100 % discount on a monthly fee for access to the MUNICIPALIA information -advisory portal	-

How can you obtain maintaining of your package free of charge
The packages of services offer you a bonus - no fees for their maintenance, in addition to a convenient selection of the most frequent banking services. Should an average monthly balance of your current account be in the range, set by the bank, your package will be maintained without any fees in a following month:

Municipal Package	EUR 8,000
Municipal Plus Package	EUR 33,000
Municipal Plus Exclusive	EUR 160,000

An average monthly balance will be set as a proportion of credit balances in a customer current account , charged with fee for a package named Municipal on banking days to a number of banking days in a given calendar month.

What are the advantages of the new packages designed by the bank?

Do you need to make cash deposits and withdrawals?
You will receive a determined number of cash transactions for a monthly fee.

Do you need to access your funds also in localities, where is not any branch of your bank?
The new packages of services will allow you to make withdrawals also from ATMs of other banks on favourable conditions.

Do you prefer all services included in a single price?
You will receive current services at a single price in the Municipal Exclusive package, while a number of transactions is not decisive.

Do you need advice also on other issues?
Useful advice on taxes, economy, projects or travel is comprised the Municipal Plus and Municipal Exclusive packages through the MUNICIPALIA information–advisory portal, aimed to furnish municipalities with quality services.

MUNICIPALIA

www.municipalia.sk - Which services are you offered in this information- advisory portal?

MUNICIPALIA
The company is a subsidiary of the bank and the ZMOS (the Association of Towns and Villages in Slovakia ). It was set-up with the aim to provide local governments with quality services, so that they could be able to work more efficiently, namely in the areas of:

• data processing and analyses of financial management of local and regional governments
• advisory services to towns and villages
• production and administration of the Internet Portal for municipalities
• organisation of specialised seminars and training dedicated to municipal topics
• publishing
• IT technology - consulting and supplies

MUNICIPALIA makes use of a unique alliance of the founders, knowing local governments and their needs thanks to long-term cooperation with them. The company has produced the MUNICIPALIA Internet Portal , being an integrated source of information, products and services to municipalities.

The portal has been divided into several parts:

ADVISORY CENTRE:

• the virtual Internet Portal - www.municipalia.sk allows you to ask any question, requiring a professional answer
• raised queries will be answered by professional advisors
• the service of the Advisory Centre is based on a discreet communication, i. e. only a respective questioner will have access to a raised question and an answer to it
• questions can be raised by customers, who are registered and logged - in under their user name and password.

You can raise your queries in the following areas:

• economy finance, taxes
• legal issues
• public administration
• informatics
• construction and regional development
• foreign affairs and the EU integration
• project preparation
• labour, social affairs and family
• school system, young people and sports
• culture
• municipal eduction
• environment
• travel
• agriculture
• media policy

Your questions will be answered by advisors of the professional organisations dedicated to a given area, the Association of Municipal Economists, the Association of EU Regions in Slovakia, etc.

PROJECTS:

• It is a service offered in the Internet Portal - www.municipalia.sk aimed to facilitate new, undeveloped ideas and visions
• you can communicate with a project manager, giving you advice on a project preparation and assessment

The service-projects:

• accelerates promising projects identification
• increases a probability of new projects implementation
• facilitates communication between a project proposer and a project manager

e-LEARNING

• a dynamic trend in current education
• an educational method using computer and network technologies

You will obtain new knowledge through multimedia educational programmes. There is no need to spend your time by travelling to a training site. You can use your time for obtaining new information instead.

www.municipalia.sk , the Internet Portal, offers e-learning, aimed to intermediate information in a method of electronic manuals. The manuals come out from professional knowledge and a long-term experience of specialists.

BENCHMARKING
It is a tool to help you improve yourself by learning from others and thus increase efficiency and quality of public services. Therefore the benchmarking is a long-term and recurring process.
The MUNICIPALIA Internet Portal is the first–of- the-range in Slovakia, offering an opportunity to join and be involved in the benchmarking for management and decision–making needs of local governments.