Tatra banka provides the Optional overdraft product only to current account with Tatra Personal^TB service package.

Provision of Optional overdraft is set based on automatic assessment, without the need to submit any application, and that by 6 weeks since the terms and conditions for provision of Optional overdraft have been performed.

Basic terms and conditions for provision of Optional overdraft to current account with Tatra Personal^TB service package:

• Account exists for at least 6 whole calendar months
  
• Tatra Personal^TB current account owner is 18 (and more) years old
• Regular income is credited to account
• Account is used for carrying out regular payments
  
• Possibility to provide Optional overdraft solely in case there is no other overdraft facility provided to the current account
  

Period and amount of provided facility of Optional overdraft in account:

The bank provides Optional overdraft for the period of Tatra Personal^TB service package existence in the account while the potential amount of Optional overdraft is regularly assessed by the bank up to the amount of EUR 3,500, i.e. depending on the amount of withdrawn monthly credits in the current account.

Possibility to change Optional overdraft facility limit in account:

In case the client has been provided Optional overdraft, he/she can choose his/her own/preferred amount of overdraft limit. Just send a request for change of limit via Internet banking or DIALOG contact centre while the amount requested may not exceed the maximum limit set based on automatic assessment. Change of limit is subject to bank approval and will be executed for free upon the next monthly client assessment.

Bearing interest:
Optional overdraft is borne interest based on basic interest rate matching the interest rate in the current account for this type of product. The bank charges interest from the sum actually drawn and for the period of real drawing of financial means.

Security:
The bank requires no guarantor or other type of security upon provision of Optional overdraft.

Charges:
Charge for provision of Optional overdraft is included in Tatra Personal^TB service package price, i.e. the client pays no further processing charges for provision of Optional overdraft. Change of facility limit is executed free of charge.

Note:
Optional overdraft Tatra banka provides to current accounts with Tatra Personal^TB service package is not included in loan products within the Reward program.