The Personal Account – the Account that will Reward You

Easy and transparent:

• all standard transactions at a unified price

(You pay only one unified price whether you pay via Internet banking or a standing order or you pay with your payment card at stores).

Reward for payments with your card:

• pay at stores with your payment card issued to your personal account and get a reward 0.5 % off the paid amount each time you pay
• we will credit the reward to your account at the end of the month and we we will inform you on this by a free sms
• you can get a zero fee for account maintenance or even earn on it depending on how much you pay with your card
  • pay EUR 400 and we will credit your account with EUR 2 as a reward
  • pay EUR 900 and we will credit your account with EUR 4,5 as a reward

Example	Example N.1	Example N.2
Pay with your payment card during the month. The total volume you paid:	EUR 400	EUR 900
Monthly fee for the new personal account:	EUR 3.90	EUR 3.90
Reward for payments with your card equal to 0.5 % off the volume you paid:	EUR 2.00	EUR 4.50
The final monthly fee for your personal account deducted by the reward:	EUR 1.90	you pay zero monthly fee and the bank will return to you EUR 0.60

The examples are illustrative and are not binding for the bank againts any third party.

A perfect overview:

• of transactions and account balance via SMS Notification, free monthly account statement and the Internet Banking (e-Banka)

Your personal account features:

• account maintenance via postal service on a monthly basis
• international payment card Maestro
• all incoming payments
• all domestic and regulated electronic payments
• all outgoing payments from standing orders and collections
• all withdrawals from the bank ATMSs
• all payments with payment card on POS
• electronic banking services
• SMS Notification and all SMS sent with credit and debit movements and when a payment card is used
• opening of authorized overdraft on personal account

OUR HINT:

Is your account balance high?
We will not charge you the account maintenance fee for the month in which your average daily credit balance does not drop below EUR 10,000.