During the first 16 days after euro implementation, during the period of a so called dual circulation (1.1.2009 - 16.1.2009), all business subjects are obligated to accept payments in euro and simultaneously also in Slovak crowns. However, they may disburse only in euro. For this short, however operationally very demanding period, the subjects must get ready and prepare sufficient reserves of euro cash - euro banknotes and euro coins.

Tatra bank offers to its clients the possibility of euro cash frontloading through the bank branches. Client, legal person, may show its interest about the Tatra bank frontloading by filling out the Questionnaire, in which he/she specifies the volume and structure of euro cash he/she is interested in. There is also possibility to state the branch where they would like to withdraw the money. For operational reasons we suggest four preferred branches in Bratislava, Banská Bystrica, Žilina and Košice. In case these branches do not meet the client's needs, it is possible to agree on another pick-up place (other branch).

Questionnaire should be printed out, completely filled out, and

1. sent to:

Tatra banka, a.s.
"EURO"
Hodžovo nám. 3
P.O.Box 42
850 05 Bratislava 55

2. or hand it over at any business place of Tatra bank

You can request the Questionnaire also at any branch or business place of Tatra bank.

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Afterwards, at the beginning of the year 2008, the bank will contact the clients who expressed their interest in frontloading with euro cash through Tatra bank, and will close a contract on frontloading. The completed Questionnaire will be attached to this contract. The distribution of ordered cash will take place in December 2008, when this cash will be given out to clients through the agreed branch at an agreed time. Together with the cash give-out the blockage of funds (at the volume of received cash) will be carried out on the client's current account.

After 1.1.2009 the bank will charge the client's account with the received resources and release the blockage of funds from the account.

Tips:
Our team has prepared a help manual for you about defining the estimated volume and structure of your required euro cash. You will find it here

Client duties associated with the process of frontloading

1. Client will secure enough money resources at its account to the moment of give-out of euro cash (for value recalculation to SKK the stated fixed conversion rate will be used)
2. Euro cash gained within frontloading:
   • Must not be put into circulation before 1.1.2009
   • Will be stored in safe deposits or at places suitable for cash depositary
   • Will be stored separately from cash in Slovak crowns or other foreign currency

More information:
Further questions about frontloading with euro cash will be answered at: euro@tatrabanka.sk or by phone at DIALOG: 02/5919 1000, 02/6866 1000, 0903 903 902, 0906 011 000, 0850 111 100