* The fee does not apply if the conditions of the Program pre verných loyalty programme are met.
** The APR (annual percentage rate) has been calculated on the assumption that the credit limit is drawn in the form of a non-cash payment on the first day after the conclusion of the contract, that it is granted for 1 year, that it bears theinterest rate specified above, that it is repaid in 12 identical monthly instalments starting 1 month following the day of the first drawdown, with no interest-free period, and that the fee above is paid.