Cards And Accounts. Overview Of Conditions. - Credit Suisse

Banking packagesfor adults:Bonviva*Bonviva SilverBonviva GoldBonviva PlatinumPackage price per monthCHF 15CHF 40CHF 80Package price per month withpartner option 1, 2CHF 20CHF 50CHF 90EligibilityAge 18 and over,resident in SwitzerlandAge 18 and over,resident in SwitzerlandAge 18 and over,resident in SwitzerlandPrivate account2 accounts included3 accounts included4 accounts includedSavings account31 account included1 account included1 account includedCurrent account–3 accounts included5 accounts includedDebit Mastercard1 card included, free cash with drawals at all ATMs in Switzerland2 cards included, free cash with drawals at all ATMs in Switzerland2 cards included, free cash with drawals at all ATMs in SwitzerlandCredit cards42 cards included, CHF 60for each additional card2 cards included, CHF 120for each additional card2 cards included, CHF 120for each additional cardPayment transaction Includedcharges5IncludedIncludedOnline and mobilebankingIncludedIncludedIncludedCardless CashIncludedIncludedIncluded1Packagecontent* It is no longer possible to open a new package.1 The package price is charged quarterly.2 The partner option is based on a joint relationship. You and your partner will use the accounts on a shared basis and you will each receive a set of bankcards (Debit Mastercard and credit cards).3 Savings accounts are not suitable for payment transactions (charges apply). If payment transactions are made using the Savings account, the currentterms and conditions will apply.4 Credit cards issued by Swisscard AECS GmbH. An additional credit check is required before a credit card can be issued. The latest Terms andConditions for Charge Cards and Credit Cards of Swisscard AECS GmbH apply at swisscard.ch. The date on which the fee for the additional card isdebited may differ from the date on which the package fee is debited.5 Excludes third-party charges. Credit Suisse assumes usage up to a maximum of CHF 10,000 per year and reserves the right to impose any charges inexcess of that amount in accordance with the current price lists. Savings accounts are not suitable for payment transactions (charges apply). For paymenttransactions made from a savings account, the current terms and conditions will apply.Further conditions: Savings account (page 13); payment transaction fees (pages 15–18); debit card (pages 19–20).8/24Cards and accounts

Bonviva Banking Package accounts in detailPrivate account BonvivaSavings account BonvivaCurrent account BonvivaCurrencyCHFCHFCHF, USD, EUR, GBP, JPYInterest limits6CHF 50,000For higher amounts, consultthe interest rate flyerCHF 250,000For higher amounts, consultthe interest rate flyerCHF 100,000For higher amounts, consultthe interest rate flyerWithholding tax35% of the credit interest that is subject to withholding tax. For accounts with year-end closure, up to CHF 200of such credit interest is exempt from withholding tax.Availability7CHF 500,000 p.a.For higher amounts:3-month notice periodWithdrawal limit exceeded7If the withdrawal limit is exceeded in breach of the notice period,1.0% of the excess amount is automatically debited as a charge.No restrictions in the case of purchases of securities and preciousmetals through Credit Suisse or for interest payments and principalrepayments at Credit Suisse.CHF 50,000 p.a. For higheramounts: 3-month notice period.Each year, 12 withdrawals areallowed from the savings accountfree of charge.Starting with the 13th withdrawalin a year, an administration feeof CHF 10 per withdrawal will becharged.Entire credit balance at any time–Account management per month IncludedIncludedIncludedAccount overdraftsOnly by agreement with the bankNot possibleOnly by agreement with the bankExtracts of accountFree of charge, between the10th and 20th of the monthFree of charge, at year-endOnly at the client’s requestMailing of bank documentsE-documents: IncludedPaper documents: Subject to feesin accordance with page 4E-documents: IncludedPaper documents: Subject to feesin accordance with page 4E-documents: IncludedPaper documents: Subject to feesin accordance with page 4PostageIncludedIncludedIncludedThese accounts are part of the banking packages and cannot be opened as individual products. If you do not wish to take advantage of the BonvivaBanking Package’s credit cards or the wide range of additional services, we offer the Basic Banking Package with an account and a Debit Mastercard(CHF 10 per month or CHF 15 per month with the partner option).6 More details on interest rates and limits can be found at credit-suisse.com/interestrates.7 As of January 1, 2022, the withdrawal limit and notice period for Private accounts will no longer apply. We reserve the right to reintroduce these atany time.Cards and accounts9/24

Banking packagesfor young people:Viva*Viva Young and Viva StudentPackage price per monthFree of chargeEligibilityȩȩȩPackage contentPrivate accountViva Young: From age 12 and below age 23 Viva Student: Students from age 18 to max. age 301 Resident in Switzerland1 account includedSavings account1 account includedDebit Mastercardȩ2ȩȩCredit card3ȩȩPrepaid cardȩȩȩ1 card includedFree cash withdrawals at any withdrawal location in SwitzerlandReplacement card: CHF 20. Card blocking: Free1 card included4 (age 18 and over)Replacement card: CHF 25. Card blocking: Free1 card included41% load fee every time the card is loadedReplacement card: CHF 20. Card blocking: FreePayment transactions5IncludedOnline and mobile bankingIncludedCardless CashIncludedAccount detailsPrivate accountSavings accountCHFCHFInterest limitCHF 50,000For higher amounts, consult the interest rate flyerCHF 25,000For higher amounts, consult the interest rate flyerWithholding tax35% of the credit interest that is subject to withholding tax. For accounts with year-end closure,up to CHF 200 of such credit interest is exempt from withholding tax.Availability7CHF 500,000 p.a.For higher amounts: 3-month notice periodWithdrawal limit exceeded7If the withdrawal limit is exceeded in breach of the notice period, 1.0% of the excess amount is automaticallydebited as a charge. No restrictions in the case of purchases of securities and precious metals throughCredit Suisse or for interest payments and principal repayments at Credit Suisse.Account management per monthIncludedIncludedExtracts of accountFree of charge, monthly between 10th and 20thFree of charge, at the end of the yearMailing of bank documentsE-documents: IncludedPaper documents: Subject to fees in accordancewith page 4E-documents: IncludedPaper documents: Subject to fees in accordancewith page 4PostageIncludedIncludedCurrency6CHF 50,000 p.a.For higher amounts: 3-month notice period* It is no longer possible to open a new package.1 Course of study at a recognized university or higher vocational school (HF) in Switzerland or abroad.2 Savings accounts are not suitable for payment transactions (charges apply). If payment transactions are made using the savings account, the currentterms and conditions will apply.3 Credit cards issued by Swisscard AECS GmbH. An additional credit check is required before a credit card can be issued. The latest Terms andConditions for Charge Cards and Credit Cards of Swisscard AECS GmbH apply at swisscard.ch.4 The package includes either a credit card or a prepaid card. If both cards are requested, a fee will be charged for one of the cards.5 Excludes third-party charges. Credit Suisse assumes usage up to a maximum of CHF 10,000 per year and reserves the right to impose any charges inexcess of that amount in accordance with the current price lists.6 More details on interest rates and limits can be found at credit-suisse.com/interestrates.7 As of January 1, 2022, the withdrawal limit and notice period for Private accounts will no longer apply. We reserve the right to reintroduce these atany time.Further conditions: Savings account (page 13); payment transaction fees (pages 15–18); debit card (pages 19–20).10/24Cards and accounts

Banking packagefor children:Viva KidsViva KidsPackage price per monthFree of chargeEligibilityȩȩȩȩPackage contentPrivate account children below age 12ForResident in Switzerland (child and at least one parent / legal representative)Parents or the legal representative must be Credit Suisse clients and holders of a transactionaccount (e.g. Private account or current account)One parent or the legal representative must have a valid online banking agreement1 account includedSavings account1 account includedDigipigi digital money boxFree of charge2Debit Mastercard3ȩ1ȩPayment transactioncharges41 card included from age seven, free cash withdrawals at any withdrawal location inSwitzerlandReplacement card: CHF 20. Card blocking: FreeIncludedAccount detailsPrivate accountSavings accountCHFCHFInterest limitCHF 1,000For higher amounts, consult the interest rate flyerCHF 1,000For higher amounts, consult the interest rate flyerWithholding tax35% of the credit interest that is subject to withholding tax. For accounts with year-end closure,up to CHF 200 of such credit interest is exempt from withholding tax.Availability6CHF 500,000 p.a.For higher amounts: 3-month notice periodWithdrawal limit exceeded6If the withdrawal limit is exceeded in breach of the notice period, 1.0% of the excess amount is automaticallydebited as a charge. No restrictions in the case of purchases of securities and precious metals throughCredit Suisse or for interest payments and principal repayments at Credit Suisse.Account management per monthIncludedIncludedExtracts of accountFree of charge, between the 10th and 20thof the monthFree of charge, at year-endMailing of bank documentsFree of chargeFree of chargePostageIncludedIncludedCurrency5CHF 50,000 p.a.For higher amounts: 3-month notice period1 Savings accounts are not suitable for payment transactions (charges apply). If payment transactions are made using the savings account, the currentterms and conditions will apply.2 Digipigi is free of charge for children of clients with a Basic Banking, Bonviva, Viva or CSX offering of more than CHF 10 per month. Otherwise,a one-time fee of CHF 99 including VAT will be charged. For exchange/replacements, a fee of CHF 99 including VAT, may apply.3 Please see pages 19–20 for details on the Debit card conditions.4 Excludes third-party charges. Credit Suisse assumes usage up to a maximum of CHF 10,000 per year and reserves the right to impose any charges inexcess of that amount in accordance with the current price lists.5 More details on interest rates and limits can be found at credit-suisse.com/interestrates.6 As of January 1, 2022, the withdrawal limit and notice period for Private accounts will no longer apply. We reserve the right to reintroduce these atany time.Cards and accounts11/24

PrivateaccountsPrivate accountCurrent accountCurrencyCHFTradeable currenciesAge limitNoneNoneAccount management per monthCHF 5CHF 5AvailabilityCHF 500,000 p.a.;For higher amounts: 3-month notice periodEntire credit balance at any timeWithdrawal limit exceeded1If the withdrawal limit is exceeded in breach of the notice–period, 1.0% of the excess amount is automatically debitedas a charge. No restrictions on the purchase of securitiesand precious metals (through Credit Suisse) or for interestpayments and principal repayments at Credit Suisse.Interest limits2-Withholding tax35% of the credit interest that is subject to withholding tax. For accounts with year-end closure,up to CHF 200 of such credit interest is exempt from withholding tax.Account overdraftsOnly by agreement with the bankOnly by agreement with the bankExtracts of accountFree of charge, between the 10th and 20th of the month;CHF 2 for other options (e.g. end of month)Free of charge, twice a year; CHF 1per extract of account for other optionsMailing of bank documentsE-documents: IncludedPaper documents: Subject to fees in accordancewith page 4E-documents: IncludedPaper documents: Subject to fees in accordancewith page 4Debit MastercardPossible. Please see pages 19–20 for detailson the Debit card conditions.Possible. Please see pages 19–20 for detailson the Debit card conditions.MyIBAN per monthMyIBAN Select CHF 2; MyIBAN Custom CHF 5031-1 As of January 1, 2022, the withdrawal limit and notice period for Private accounts will no longer apply. We reserve the right to reintroduce these atany time.2 More details on interest rates and limits can be found at credit-suisse.com/interestrates.3 Personalized international bank account number (IBAN); MyIBAN Custom can also be requested for a Savings account.12/24Cards and accounts

SavingsaccountsSavings accountGift savings accountCurrencyCHFCHFAge limitNoneUntil the young person reaches the age of 181. Parents,godparents, relatives, or acquaintances may open anaccount.Account management per monthFree of chargeFree of chargeAvailabilityCHF 50,000 p.a.For higher amounts:3-month notice periodCHF 50,000 p.a.For higher amounts:3-month notice periodEach year, 12 withdrawals are allowed from theSavings account free of charge. Starting with the 13thwithdrawal in a year, an administration fee of CHF 10per withdrawal will be charged.Withdrawal limit exceededIf the withdrawal limit is exceeded in breach of the notice period, 1.0% of the excess amount is automaticallydebited as a charge. No restrictions in the case of purchases of securities and precious metals throughCredit Suisse or for interest payments and principal repayments at Credit Suisse.Interest limit2CHF 250,000For higher amounts, consultthe interest rate flyerWithholding tax35% of the credit interest that is subject to withholding tax. For accounts with year-end closure, up to CHF 200of such credit interest is exempt from withholding tax.Account overdraftsNot possibleNot possibleAccount statementsFree of charge, at year-endFree of charge, at year-endMailing of bank documentsE-documents: IncludedPaper documents: Subject to fees in accordance withpage 4E-documents: IncludedPaper documents: Subject to fees in accordance withpage 4Cash Service card3Available free of chargeAvailable free of chargeCHF 25,000For higher amounts, consultthe interest rate flyer1 After reaching the age limit, the Gift savings account is automatically converted into a regular Savings account on January 1 of the following year.From then on, the terms and conditions for the Savings account apply.2 More details on interest rates and limits can be found at credit-suisse.com/interestrates.3 Only possible for account holders age 12 and over. Cash Service card blocking fee: CHF 55 per card, free of charge online.Cards and accounts13/24

Pension solutionsVested benefits account – 2nd pillar Pension account – 3rd pillarCurrencyCHFRestrictionȩ anagement up to a maximum of five yearsMafter reaching normal AHV retirement age(69/70).CHFȩȩ anagement up to a maximum of five years afterMreaching normal AHV retirement age (69/70). Existence of income subject to AHV contributions.Account managementCHF 9 per calendar quarterFree of chargeAvailabilityNormal payment is paid out, at the earliest, fiveyears before and, at the latest, five years afterreaching normal AHV retirement age.Normal payout is possible, at the earliest, five yearsbefore reaching normal AHV retirement age. In theevent of continued employment beyond the normalAHV retirement age, the Private pension – 3rd pillarcan be maintained for a maximum of another fiveyears.An early payout is possible in the followinginstances:ȩ If you become self-employed and are no longersubject to mandatory employee benefitsAn early payout is possible in the following cases:ȩ Becoming self-employed.insurance.ȩ If you are permanently leaving Switzerland, the ȩ Permanently leaving Switzerland (emigration).Principality of Liechtenstein, or the EU/EFTA ȩ Purchasing additional benefits in a pension fund.ȩ Drawing a full disability pension from Swiss Federalarea.1ȩ If your annual pension fund contribution isDisability Insurance.higher than your current vested benefits capital. ȩ Financing of owner-occupied residential property.ȩ If you receive a full disability pension from theFederal Disability Insurance.In case of death, the pension capital goes to thebeneficiaries.In case of death, the vested benefits capital goesto the beneficiaries.Interest limitNoneNoneAdvancewithdrawalCHF 400 as a one-time processing fee uponpayoutFree of chargePledgingFree of chargeFree of chargeAccount statementsFree of charge, at year-endFree of charge, at year-endMailing of documentsFree of chargeFree of chargeDepositNo deposits possibleThe statutory maximum amount for the current yearappliesTaxationȩPromotionof homeownershipȩ o wealth, income, or withholding tax is dueNuntil the payout of the vested benefits. On payout, the capital is taxed at a reducedrate, separate from the rest of your income.ȩȩȩ eposits into Pillar 3a are fully deductible fromDtaxable income. No wealth, income, or withholding tax is due untilthe payout of the pension capital. On payout, the capital is taxed at a reduced rate,separate from the rest of your income.1 Cash payments due to permanent departure from Switzerland can, as of June 1, 2007, no longer be made in full if an insured person is moving to anEU/The European Free Trade Association country where they will be subject to mandatory occupational benefits insurance for old age, disability, ordeath. Cash payment remains possible for the portion of the vested benefits derived from extra-mandatory employee benefits insurance.14/24Cards and accounts

PaymenttransactionsThe prices listed below are charged per payment/payment part.Outgoing paymentsCHF/EUR paymentsin SwitzerlandEUR paymentsin EU/EEA accordingto SEPA standard1Other international/foreign currencypayments 2Online and mobile banking (access available free of charge)Execution of one-time paymentFree of chargeFree of chargeCHF 5Payment listsFree of chargeFree of chargeCHF 5File transfersFree of chargeFree of chargeCHF 5Setting up/changing a standing orderFree of chargeFree of chargeFree of chargeMaking a payment from a standing orderFree of chargeFree of chargeCHF 5Paying an eBillFree of chargeNot possibleNot possibleExpress payment3/priority handlingCHF 3Not possibleCHF 5Setting up direct debitFree of chargeNot possibleNot possibleDirect debit paymentFree of chargeNot possibleNot possibleSetting up SEPA direct debitFree of chargeFree of chargeNot possibleSEPA direct debit paymentFree of chargeFree of chargeNot possibleDirect debit procedureSubmission by multi-payment order (form available free of charge)Payment using preprinted payment partCHF 1CHF 5CHF 10Payment using non-preprinted payment partCHF 5Not possibleCHF 15CHF 5CHF 5CHF 10Setting up and modifying a standing orderCHF 10CHF 10CHF 10Deleting standing ordersFree of chargeFree of chargeFree of chargePayment from a standing orderFree of chargeFree of chargeCHF 5Unscheduled/urgent5 paymentfrom a standing orderCHF 20CHF 20CHF 25CHF 35CHF 60CHF 60Account transfer: Payment within the sameclient relationship6Free of chargeFree of chargeFree of chargePayment order for exotic (non-tradable)securitiesNot possibleNot possibleCHF 80Surcharge on payment from a Gift savings account CHF 5CHF 5CHF 5Surcharge for non-SEPA-standard payment(EUR payments in EU/EEA without IBANor with payment routing specificationsor instructions to the bank)7Not possibleCHF 8Submission by coded form (form available free of charge)Payment from one-time order4Submission by letter, telephone, or faxPer paymentOther chargesNot possible1–7: The comments for footnotes 1–7 can be found at the bottom of page 16.Cards and accounts15/24

Outgoing paymentsFee options for international and foreign currency paymentsShared charges (SHA)The client pays Credit Suisse charges (order charges and surcharges); the beneficiary pays thethird-party bank charg

metals through Credit Suisse or for inte-rest payments and principal repayments at Credit Suisse. - If the withdrawal limit is exceeded in breach of the notice period, 1.0% of the excess amount is automatically debited as a charge. No restrictions in the case of purchases of securities and precious metals through Credit Suisse or for inte-