cards and accounts overview of conditions - credit … · general notes • your client advisor...

Cards and Accounts Overview of Conditions Updated 1.7.2018

3 General Notes

4 Package Services: Bonviva

5 Package Services: Viva

6 Private Accounts

6 Savings Accounts

7 Payment Transactions

9 Services and Investigations

9 Checks

10 Card Terms and Conditions

11 Counter Terms and Conditions

General Notes

• Yourclientadvisorwillbepleasedtoinformyouaboutthepricesofspecialservices.• Wereservetherighttomakechangesbothtoourpricesandtotheservicesweprovide.• Payments,commissions,discounts,etc.ofthirdparties,aswellaslevies,taxes,etc.tothirdpartiesarealreadytakenintoaccountinthesecalculations.

• Wherethereisnofurthercontactwithbankclients,assetsheldatthebankaredeclareddormant.Thefeesandcoststhatwouldusuallybechargedbythebankcontinuetoapplyinthiscase.Furthermore,thebankchargestheclientanappropriateamountforinvestigationcostsandforcostsincurredforspecialtreatmentandmonitoringofdormantassets.

• TheBank’s“GeneralConditions”andthe“ConditionsforPaymentTransactions”alsoapply.• Forfurtherinformation,visitusatwww.credit-suisse.com/privateclients.

General ConditionsAccount opening and closure Accountopeningandclosurearefreeofcharge.

Interest rates Thecurrentinterestratesfordepositsandoverdraftscanbefoundintheseparateinterestrateflyer.

Postage Unlessstatedotherwise,postalchargesfordeliveryofitemizedstatementsandfordebitandcreditadvicenoteswillalsobebilledinaccordancewiththecurrentpostalrates.(Pleasenote:Therearenopostalchargesfore-documents.)

Third-party charges Third-partychargeswillalsobebilledforallaccounts.

Fees and charges Accountfeesforprivateaccountsandcurrentaccountsarechargedquarterly.Foraccountssubjecttoaccountfees,chargesaredebitedquarterly,otherwiseannuallyatyear-end.

Closing statement Closingstatementsaresentannuallywiththestatementofinterest.Statementsaresentquarterlyif overdraftinterestexceedsCHF30.

Statements in Connection with EstatesPost-dated account statements/ itemized statements

Freeofcharge

Investigations and administrative activities according to time needed

CHF120perhour1

Fee for Clients Domiciled outside Switzerland/LiechtensteinCharged for each separate relationship where assets 2 do not exceed CHF 1 million or equivalent in another currency

CHF40permonth3

1 Plus value added tax, currently 7.7% for clients domiciled in Switzerland and the Principality of Liechtenstein. Clients domiciled abroad are not subject to VAT.2 Client assets include the sum of all credit balances in relevant current or private accounts, time deposits and client safekeeping accounts. Assets are valued based on month-

end account and safekeeping account balances.3 The fee is charged quarterly. No fee is charged in the following cases: • Relationships with retained correspondence or numbered accounts • Relationships consisting exclusively of:

– 2nd or 3rd pillar products– Interest growth savings accounts or Gift savings accounts– Rental deposit savings accounts– Pledged collateral safekeeping account or safe deposit box

• Relationships with mortgage loans only and with client assets smaller than CHF 10,000 The bank may allow other exceptions.

3/12CardsandAccounts

Bonviva Silver Bonviva Gold Bonviva PlatinumPackage price per month Inthe1styear: CHF7.50

Thereafter: CHF15Inthe1styear: CHF20Thereafter: CHF40

Inthe1styear: CHF40Thereafter: CHF80

Package price per month with partner option 1, 2




Eligibility Age18andover,resident in Switzerland

Age18andover,resident in Switzerland

Age18andover,resident in Switzerland

Package content

Private account 2accountsincluded 3accountsincluded 4accountsincluded

Savings account3 1accountincluded 1accountincluded 1accountincluded

Current account 3accountsincluded 5accountsincluded

Maestro card4

(annual fee)1cardincluded,freecashwithdrawalsatallATMsinSwitzerland

2cardsincluded,freecashwithdrawalsatallATMsinSwitzerland

2cardsincluded,freecashwithdrawalsatallATMsinSwitzerland

Credit cards5 2cardsincludedCHF60foreachadditionalcard

2cardsincludedCHF120foreachadditionalcard

2cardsincludedCHF120foreachadditionalcard

Online & Mobile Banking

Included Included Included

MyIBAN Select6 Foreachprivateaccount1MyIBANSelectincluded

Foreachprivateandcurrentaccount1MyIBANSelectincluded

Foreachprivateandcurrentaccount1MyIBANSelectincluded

Postage Included Included Included

Payment transaction charges7 Included Included Included

Bonviva Banking Package Accounts in DetailPrivate account Bonviva Savings account Bonviva Current account Bonviva

Currency CHF CHF CHF,USD,EUR,GBP,JPY

Interest rate Higherinterestrate Higherinterestrate CHF:standardinterestrateOthercurrencies:nointerestpaid

Availability CHF500,000p.a.Forhigheramounts:3months’noticeperiod

CHF50,000p.a.Forhigheramounts:3months’noticeperiod

Eachyear,12withdrawalsareallowedfreeofcharge.Fromthe13thwithdrawalinayear,an administrationfeeofCHF10willbechargedperwithdrawal.

Entirecreditbalanceatanytime

Withdrawal limit exceeded Ifthewithdrawallimitisexceededinbreachofthenoticeperiod,1.0%oftheexcessamountisautomaticallydebitedasacharge.Norestrictionsonthepurchaseofsecuritiesandpreciousmetals(throughCreditSuisse)orforinterestpaymentsandprincipalrepaymentsatCredit Suisse.

Itemized statement creation Freeofcharge:monthlybetween10thand20th

Freeofcharge,attheendoftheyear

Onlyonrequest

Dispatch of itemized statement and closing statement

Freeofcharge

Withholding tax 35%ofthecreditinterestthatissubjecttowithholdingtax.Foraccountswithyear-endclosure,uptoCHF200ofsuchcreditinterestisexemptfromwithholdingtax.

Interest limits CHF100,000,higherlimitonrequest

CHF500,000,higherlimitonrequest


Account overdraft Onlybyagreementwiththebank Notpossible Onlybyagreementwiththebank

These accounts form part of the banking packages, and cannot be opened as individual products. If you do not wish to take advantage of the unique and varied Bonviva offering, the Basic Banking package offers payment and savings products and services for CHF 10 per month or CHF 15 per month with the partner option.

1 Thepricereductioninthefirstyearappliestonewopenings.Thepricereductiondoesnotapplytoadditionalcards.2 The partner option is based on a joint relationship. You and your partner use the accounts on a shared basis and you each receive a set of bank cards (Maestro cards and credit

cards);thisensuresbothaccountholdersbenefitfromtheBonvivapackage.3 Savings accounts are not suitable for payment transactions (charges apply). Where payment transactions are made via the Savings account, the current terms and conditions apply.4 Please see page 10 for Maestro card conditions in detail.5 Credit cards, issued by Swisscard AECS GmbH. An additional check is required before a credit card can be issued. The latest Terms and Conditions for Charge and Credit Cards

of Swisscard AECS GmbH apply. The date on which the fee for the additional card is debited may differ from the date when the package fee is debited.6 Personalized international bank account number (IBAN).7 Excludes third-party charges. Credit Suisse assumes normal usage of up to a maximum of CHF 10,000 per year and reserves the right to calculate any charges in excess of that

amount in accordance with the current price lists.Further conditions: Savings account, page 6; payment transaction charges, pages 7–8; Maestro card, page 10.

Package Services: Bonviva


Package Services: VivaViva Kids Viva Young and Viva Student

Package price per month Freeofcharge Freeofcharge

Eligibility • Forchildrenbelowage12• ResidentinSwitzerland• ParentsorthelegalrepresentativemustbeCreditSuisseclientsandownersofatransactionaccount(e.g.PrivateaccountorCurrentaccountforprivateclients).

• Valid“CreditSuisseDirect”contractofoneparentorthelegalrepresentativeforuseofDigipigi.

• VivaYoung:Fromage12andbelowage23• VivaStudent:Studentsfromage18tomax.age301• ResidentinSwitzerland

Package content

Private account 1accountincluded 1accountincluded

Savings account2 1accountincluded 1accountincluded

Digipigi digital money box

Freeofcharge3

Maestro card4 (annual fee)

1cardincludedfromage7,freecashwithdrawalsatallATMsinSwitzerland

1cardincluded,freecashwithdrawalsatallATMsinSwitzerland

Prepaid card (annual fee)

Annualfeeforonecard:included61%loadfeeeverytimethecardisloaded

Credit card5

(annual fee)1cardincluded6(Age18andover)

Online & Mobile Banking

Included

MyIBAN Select7 1MyIBANSelectincludedwithprivateaccount

Cardless Cash Included Included

Postage Included Included

Payment transactions8 Included Included

Viva Banking Package Accounts in DetailPrivate account Viva Kids

Private account Viva Young and Student

Savings account Viva Kids

Savings account Viva Young and Student

Currency CHF CHF CHF CHF

Interest rate Preferentialinterestrate Preferentialinterestrate Preferentialinterestrate Preferentialinterestrate



Withdrawal limit exceeded Ifthewithdrawallimitisexceededinbreachofthenoticeperiod,1.0%oftheexcessamountisautomaticallydebitedasacharge.Norestrictionsonthepurchaseofsecuritiesandpreciousmetals(throughCredit Suisse)or forinterestpaymentsandprincipalrepaymentsatCreditSuisse.

Itemized statement creation Freeofcharge:monthlybetween10thand20th Freeofcharge,attheendoftheyear


Freeofcharge Freeofcharge Freeofcharge Freeofcharge

Withholding tax 35%ofthecreditinterestthatissubjecttowithholdingtax.Foraccountswithyear-endclosure,uptoCHF 200ofsuchcreditinterestisexemptfromwithholdingtax.

Interest limit CHF1,000,higherlimitonrequest




VivaYoungandVivaStudentclientswhochooseaBonvivapackageafterclosureoftheirVivapackagereceivetheBonvivapackageathalf-priceforthefirstyear.

1 Study at a recognized university of applied sciences or higher vocational school (HF) in Switzerland or abroad, total study duration must be two years.2 Savings accounts are not suitable for payment transactions (charges apply). Where payment transactions are made via the Savings account, the current terms and conditions

apply. 3 Free of charge for children of clients with a Basic Banking, Bonviva or Viva Banking Package; otherwise, a one-time fee of CHF 99 including VAT. For exchange/replacements, a fee of CHF 99 including VAT may apply.4 Please see page 10 for Maestro card conditions in detail.5 Credit cards, issued by Swisscard AECS GmbH. An additional credit check is required before a credit card can be issued. The latest Terms and Conditions for Charge

and Credit Cards of Swisscard AECS GmbH apply.6 The Viva Student 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.7 Personalized international bank account number (IBAN).8 This excludes third-party charges. Credit Suisse assumes normal usage of up to a maximum of CHF 10,000 per year and reserves the right to calculate any charges in excess of that amount in accordance with the current price lists.


Private AccountsPrivate accounts Private account Current accountCurrency CHF AllcurrenciesAge limit None NoneAccount management per month CHF5 CHF5Availability CHF500,000p.a.;

forhigheramounts:3months’noticeperiodEntirecreditbalanceatanytime

Withdrawal limit exceeded Ifthewithdrawallimitisexceededinbreachofthenoticeperiod,1.0%oftheexcessamountisautomaticallydebitedasacharge.Norestrictionsonthepurchaseofsecuritiesandpreciousmetals(throughCreditSuisse)orforinterestpaymentsandprincipalrepaymentsatCredit Suisse.

–

Itemized statement creation Freeofcharge:monthlybetween10thand20th;forothervariants(e.g.endofmonth)CHF2

Freeofcharge:twiceayear,CHF1peritemizedstatementforothervariants


E-documentsfreeofcharge;postaldispatch:postalrate

E-documentsfreeofcharge;postaldispatch:postalrate

Maestro card Possible.DetailedMaestrocardconditions:page10

Possible.DetailedMaestrocardconditions:page10

MyIBAN per month MyIBANSelectCHF2,MyIBANCustomCHF501


Interest limits CHF100,000,higherlimitonrequest CHF100,000,higherlimitonrequestAccount overdraft Onlybyagreementwiththebank Onlybyagreementwiththebank

Savings AccountsSavings accounts Savings account Interest growth savings

accountGift savings account

Currency CHF CHF CHF

Age limit None None Untiltheyoungpersonreachestheageof182,parents,godparents,relativesoracquaintancesmayopenanaccount.

Account management per month Freeofcharge Freeofcharge Freeofcharge


Eachyear,12withdrawalsareallowedfreeofcharge.Fromthe13thwithdrawalinayear,anadministrationfeeofCHF10willbechargedperwithdrawal.


Eachwithdrawalresultsinaninterestleveldowngrade.Onceyoureachinterestlevelfour,youcanmakeonewithdrawalperyearwithoutyourinterestlevelbeinglowered.Fromthe13thwithdrawalinayear,anadministrationfeeofCHF10willbechargedperwithdrawal.


Withdrawal limit exceeded Ifthewithdrawallimitisexceededinbreachofthenoticeperiod,1.0%oftheexcessamountisautomaticallydebitedasacharge.Norestrictionsonthepurchaseofsecuritiesandpreciousmetals(throughCreditSuisse)orforinterestpaymentsandprincipalrepaymentsatCreditSuisse.

Itemized statement creation Freeofchargeattheendoftheyear

Freeofchargeattheendoftheyear

Freeofchargeattheendoftheyear


Freeofcharge Freeofcharge Freeofcharge

Cash Service card3 Freeofcharge Freeofcharge Freeofcharge


Interest limit CHF250,000,higherlimitonrequest


CHF25,000,asperSavingsaccountfor higherlimit

Account overdraft Notpossible Notpossible Notpossible

1 Personalized international bank account number (IBAN)/MyIBAN Custom can also be requested for a Savings account.2 After reaching the age limit, the Savings account for young people/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.3 Only possible for account holders and for age 12 and over. Blocking of Cash Service card: CHF 55 per card.


1 PaymentsbasedontheSEPAstandardcomprisetheIBANofthebeneficiaryandtheBICofthebeneficiary’sbank,andareissuedusingthe“sharedcharges”(SHA)option. Inaddition,thesepaymentordersmustnotincludeanypayment-routingspecificationsorinstructionstothebeneficiary’sbank.Pleasenotethatpaymentsoflargeamounts are not processed and billed via SEPA, but automatically using a real-time clearing channel (SWIFT/TARGET2). More information on SEPA can be found on the internet at www.credit-suisse.com/sepa.

2 Onlinepayment/filetransferuntil12:00;expresswindow:12:00–16:00.3 Set-up fee and changes. Cut-off date two days prior to execution – otherwise further surcharges are possible. Third-pillar standing order within Credit Suisse (Switzerland) Ltd.

is free of charge.4 The order must be received by the bank at the latest two days prior to the value date. 5 Applies only to Gift savings accounts. No surcharges apply to payments and account transfers to a Credit Suisse (Switzerland) Ltd. Pension account – 3rd pillar,

or to repayments. 6 This surcharge will apply in addition to the charge for other international/foreign currency payments.7 Pricesforpaymentswiththechargeoption“Allcostsdebitedtotheclient”(OUR)or“Sharedcharges”(SHA).Forpotentialfurthersurchargesseethechargingoptions

for international and foreign currency payments.

Payment Transactions

Thepriceslistedbelowarechargedperpayment/paymentslip.

Outgoing Payments

CHF/EUR payments within Switzerland

EUR payments in EU/EEA according to SEPA standard1

Other international/foreign currency payments 7

Online Banking (access free of charge)

Execute one-off payment Freeofcharge Freeofcharge CHF5

Payment lists Freeofcharge Freeofcharge CHF5

TELE DTA Freeofcharge Freeofcharge CHF5

Setting up/changing standing order Freeofcharge Freeofcharge Freeofcharge

Execute payment from standing order Freeofcharge Freeofcharge CHF5

Pay e-bill Freeofcharge Notpossible Notpossible

Express execution2/priority execution CHF3 Notpossible CHF5

Direct debit

Setting up direct debit Freeofcharge Notpossible Notpossible

Direct debit payment Freeofcharge Notpossible Notpossible

Setting up SEPA direct debit Freeofcharge Freeofcharge Notpossible

SEPA direct debit payment Freeofcharge Freeofcharge Notpossible

Submission as per multi-payment order (form available free of charge)

Payment using preprinted payment slip CHF1 CHF5 CHF10

Payment with a non-preprinted payment slip CHF5 Notpossible CHF15

Submission as per coded form (form available free of charge)

Payment from one-off order CHF5 CHF5 CHF10

Setting up and changing standing order 3 CHF10 CHF10 CHF10

Deleting standing order Freeofcharge Freeofcharge Freeofcharge

Payment from standing order Freeofcharge Freeofcharge CHF5

Extraordinary/urgent 4 payment from standing order

CHF20 CHF20 CHF25

Submission of payment order by letter, telephone, or fax

Per payment CHF35 CHF60 CHF60

Other chargesAccount transfer: payment within the same account relationship

Freeofcharge Freeofcharge Freeofcharge

Payment order for “exotic” (non-tradable) currencies

Notpossible Notpossible FlatrateCHF80

Surcharge on payment from Savings account5

CHF5 CHF5 CHF5

Surcharge for non-SEPA-standard payment (EUR payments in EU/EEA without IBAN or with payment routing specifications or instructions to the bank)6

Notpossible Notpossible CHF8


Outgoing Payments

Charging options for international and foreign currency paymentsShared charges (SHA) TheclientpaysCreditSuissecharges;thebeneficiarypaysthethird-partybankcharges.

All costs debited to the beneficiary (BEN) Allcharges(CreditSuisseandthird-partybanks)aredebitedtothebeneficiary.CreditSuissechargesthefollowingfees(ortheequivalentintherelevantcurrency,inthecaseofforeigncurrencypayments)forBENpaymenttransactions:•CHF 5fortransfersof CHF0toCHF999.99•CHF 20fortransfersof CHF1,000toCHF9,999.99•CHF 40fortransfersof CHF10,000andaboveThird-partybankchargesmayalsoapply.

All costs debited to the client (OUR) InadditiontotheCreditSuisseprices,aflat-ratechargeforthird-partyexpensesismade:•PaymentsinEURtotheEU/EEA CHF18•Allotherpayments CHF24Theflat-ratechargecoversallthird-partycosts;noadditionalchargesaremade.

Payment channels/payment requirements CreditSuisseselectsthemostsuitablepaymentchannelfortheprocessingofpaymenttrans-actions.Whereverpossible,clients’paymentrequirementsarealsoobserved.Anyadditionalcosts thatarisearechargedtotheclientseparately.

Incoming Payments

Credits (not including BESR) to an account at Credit Suisse from accounts of domestic and foreign originUp to 5,000 transactions per year Freeofcharge

Over 5,000 transactions per year Asperagreement

Incoming BESR payments (orange payment slip)Per incoming payment Priceonrequest(minimumofCHF0.10)

Forms

Multi-payment order Freeofcharge

Coded payment order Freeofcharge

BESR Bank (orange payment slip) CHF0.10perpaymentslip1

BESR Easy CHF0.05perpaymentslip1

Red payment slip CHF0.20perpaymentslip1

Third-Party Charges

Third-party charges Allthird-partycharges(e.g.postofficeBESRcorrectionfees,“Allcostsdebitedtotheclient”(OUR)chargeoption,andpostofficecashdepositcharges)aregenerallypassedon.

1 Plus value added tax, currently 7.7% for clients domiciled in Switzerland and the Principality of Liechtenstein. Clients domiciled abroad are not liable to pay VAT.


Written confirmations

Written confirmations of payments made (letter, fax, SWIFT copy) CHF50

Investigations/clarifications (hourly) based on time spent

• Client recalls more than five payments• Client requests more than 24 copies of a record• Investigation fee for specific case types4

CHF120perhourCHF120perhourCHF30

Creating and checking BESR slips (orange payment slips), other charge options

• Personalized BESR slips (e.g. numbering, depositor, etc.) generated if slips printed by Credit Suisse

• BESR slips printed by clients undergo testing• Intraday provision of incoming payment data files

(hourly from 6:00 a.m. to 4:00 p.m.)• Provision of cancellation files• Provision of BESR credit data in the form of a paper list

Third-party fees

Third-party charges Ifthereareadditionalchargesfromotherbanks,thesewillgenerallybepassedontotheclient.

First30minuteswithoutsurchargeonslipcosts,afterthatanadditionalCHF120perhour1First30minutesfreeofcharge,thereafterCHF120perhour1CHF100perquarterandparticipantnumber

CHF250perrequestCHF2perpaperlist

Services and Investigations

ChecksForms

Remittance of checks Freeofcharge

Correspondence checks in Swiss francs CHF1percheck

Check issuance/stopped checksCategory Price per check

Bank checks (issued by Credit Suisse)

• IssueuptoacheckamountofCHF5million(higheramountsonlyuponrequest)

CHF502

• Return CHF30

• Stoporder CHF50

Correspondence checks(issued by the clients themselves)

• Issuefee,payableondebiting CHF20

• Stoporder CHF30

Cashing of checks at the counterChecks drawn on banks of Credit Suisse Internalbankchecks(CHFandforeigncurrency),freeofcharge

Correspondencechecks(CHFandforeigncurrency),CHF20percheck

All checks drawn on other Swiss banks Acceptanceonlyinexceptionalcases(CHFandforeigncurrency),CHF20percheck

Foreign currency checks3

validforEUR,USD,GBP,CAD,JPY,DKK,NOK,SEK;allothercurrenciesonrequest

Forforeigncurrencycheckspayableinthesamecurrency,adiscountappliesalongsidetheabovecharges• 2.5%uptoequivalentofCHF1,000• 1.0%uptoequivalentofCHF50,000• AmountsfromequivalentofCHF50,000onrequest

Additionalinformationoncheckscanbefoundonthe“Checks”factsheetatwww.credit-suisse.com

1 Plus value added tax, currently 7.7% for clients domiciled in Switzerland and the Principality of Liechtenstein. Clients domiciled abroad are not liable to pay VAT.2 Plus any dispatch, express, and insurance costs.3 Conversions are made at the banknote purchase rate.4 The following case types are affected: cancellation of payment, payment cannot be allocated, return of payment, amendment of payment instructions.


Maestro Cards

Annual fee CHF50percard1

Replacement card CHF20percard

Card blocking CHF55percard2

Cash Withdrawals

Location Withdrawal currency

Account currency

Fees per withdrawal at Exchange rateCredit Suisse ATMs Non-CS withdrawal

locations3

Switzerland CHF CHF Freeofcharge CHF2.001 –

EUR Freeofcharge CHF2.004 Banknoterate

Other Freeofcharge CHF2.004 Banknoterate

EUR CHF Freeofcharge EUR3.501 Banknoterate

EUR EUR3.504 EUR3.504 –

Other Freeofcharge EUR3.504 Banknoterate

Abroad CHF4.75perwithdrawalplus0.25%oftheamount3 Forexrate5

Purchases

Location Fee per payment Exchange rateSwitzerland Freeofcharge Forexrate5

Abroad CHF1.50pertransaction Forexrate5

Cash Deposits at Credit Suisse ATMs6

Location Deposit Currency Account currency7

Fees Exchange rate

Switzerland Notes CHF CHF Freeofcharge –

CHF EUR Freeofcharge Banknoterate

EUR CHF Freeofcharge Banknoterate

EUR EUR 1%oftheamount –

Coins CHF CHF Freeofcharge –

Abroad Nocashdepositspossibleabroad

Card Terms and Conditions

1 Free of charge for Basic Banking, Bonviva Silver, Gold and Platinum, Credit Suisse Banking and Credit Suisse Banking Extra, Viva Kids, Viva Young and Viva Student, and Business Easy and Startup Easy.

2 Free of charge for Viva Kids, Viva Young, and Viva Student.3 Thepossiblewithdrawalchargesaresetbytherelevantprovider.CreditSuissehasnoinfluenceoverthis.4 Free of charge for foreign currency accounts as part of the Bonviva Gold and Bonviva Platinum Banking Packages and the Business Easy, Startup Easy, Credit Suisse Banking,

and Credit Suisse Banking Extra Packages.5 If the transaction currency is not the same as the account currency.6 Cash deposits can only be made at designated Credit Suisse ATMs. A maximum of CHF 50,000 or the equivalent in euros can be deposited per account and per day.7 CashdepositscanonlybemadetoCHForEURaccounts.


Cash Withdrawals and Deposits at the CounterForeign currency from/toforeign currency account inthe same currency validforEUR,USD,GBP,CAD,JPY,DKK,NOK,SEK;allothercurrenciesonrequest

2.5%uptoequivalentofCHF1,0001.0%uptoequivalentofCHF50,000AmountsfromequivalentofCHF50,000onrequest

Foreign currency from/to CHF account Currentbanknoterate

CHF from/to foreign currency account Currentforeignexchangerate

Payment in CoinsFor clients of Credit Suisse (Switzerland) Ltd. (exchange into notes/account credit)

At Cash Service counters UptoCHF100,freeofcharge

OverCHF100,2%,roundeduptowholeSwissfrancs

At self-service counting machines(ifserviceavailable)

UptoCHF300,freeofcharge

OverCHF300,1%,roundeduptowholeSwissfrancs

Non-clients

At Cash Service counters 5%oftheamountcounted,roundeduptowholeSwissfrancs

At self-service counting machines(ifserviceavailable)

3%oftheamountcounted,roundeduptowholeSwissfrancs

Note• DepositsonaccountsintheVivaKidsandVivaYoungpackagearefreeofcharge.• Weacceptcorrectlyrolledcoinsfromourclientsfreeofcharge.• Paperforrollsofcoinscanbeobtainedatanypostoffice.

Counter Terms and Conditions

Source:CreditSuisse(Switzerland)Ltd.,otherwisespecified.


SVM

S131501874-072006E07.2018

Theinformationprovidedhereinconstitutesmarketingmaterial.Itisnotinvestmentadviceorotherwisebasedonaconsiderationofthepersonalcircumstancesoftheaddresseenorisittheresultofobjectiveorindependentresearch.Theinformationprovidedhereinisnotlegallybindinganditdoesnotconstituteanofferorinvitationtoenterintoanytypeoffinancialtransaction.TheinformationprovidedhereinwasproducedbyCreditSuisseGroupAGand/oritsaffiliates(hereafter“CS”)withthegreatestofcareandtothebestofitsknowledgeandbelief.TheinformationandviewsexpressedhereinarethoseofCSatthetimeofwritingandaresubjecttochangeatanytimewithoutnotice.Theyarederivedfromsourcesbelievedtobereliable.CSprovidesnoguaranteewithregardtothecontentandcompletenessoftheinformationanddoesnotacceptanyliabilityforlossesthatmightarisefrommakinguseoftheinformation.Ifnothingisindicatedtothecontrary,allfiguresareunaudited.Theinformationprovidedhereinisfortheexclusiveuseoftherecipi-ent.Neitherthisinformationnoranycopythereofmaybesent,takenintoordistributedintheUnitedStatesortoanyU.S.person(withinthemeaningofRegulationSundertheUSSecuritiesActof1933,asamended).Itmaynotbereproduced,neitherinpartnorinfull,withoutthewrittenpermissionofCS.YourPersonalDatawillbeprocessedinaccor-dancewiththeCreditSuisseDataPrivacyand/orCookiePolicyaccessibleatyourdomicilethroughtheofficialCreditSuissewebsiteatwww.credit-suisse.com/ch/en/legal.html.Copyright©2018CreditSuisseGroupAGand/oritsaffiliates.Allrightsreserved.

CREDIT SUISSE (Switzerland) Ltd. CH-8070Zurichcredit-suisse.com


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