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| General Business Terms and Conditions of VÚB, a.s. for Deposit Products of June 1, 2020 |
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| General Terms and Conditions for Credit Facilities of January 15, 2020 |
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| General Business Terms and Conditions for Guarantees of January 15, 2020 |
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| General Terms and Conditions for Credit Facilities of January 1st, 2019 |
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| General Business Terms and Conditions for Guarantees of January 1st, 2019 |
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| General Terms and Conditions for Credit Facilities of May 26, 2018 |
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| General Business Terms and Conditions for Guarantees of May 26, 2018 |
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| General Terms and Conditions for Credit Facilities of May 24, 2017 |
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| General Business Terms and Conditions for Guarantees of May 24, 2017 |
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| General Terms and Conditions for Credit Facilities of November 15, 2016 |
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| General Business Terms and Conditions for Guarantees of November 15, 2016 |
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| General Terms and Conditions for Credit Facilities of January 1st, 2016 |
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| General Terms and Conditions for Credit Facilities of February 1st, 2014 |
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| General Terms and Conditions for Credit Facilities of January 2nd, 2014 |
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| General Terms and Conditions for Credit Facilities of September 10th, 2012 |
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| General Terms and Conditions for Credit Facilities of June 1st, 2012 |
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| General Terms and Conditions for Credit Facilities of January 1st, 2012 |
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