Komer_n’ banka, a.s. ( ÒKBÓ or the ÒBankÓ): - is the parent company of KB Group (the ÒGroupÓ) and a member of the SociŽtŽ GŽnŽrale Group - ranks among the leading banking institutions in the Czech Republic and in Central and Eastern Europe - is a universal bank providing a wide range of services in retail, corporate and investment banking - is accessible through KBÕs branch network, its direct banking channels, and the subsidiariesÕ own sales networks Member companies of Komer_n’ banka Group provide additional specialized financial services: - pension funds - building society schemes - factoring - consumer lending - insurance All of the services are accessible through the dense network of KB branches, its own distribution network, and thanks to modern, on-line services, such as direct banking. Service for corporate clients of Komer_n’ banka is provided by two segments, usually according to annual turnover (sales) and number of products used. Companies with turnover from CZK 60 million to 1500 million are generally served by the Corporate sales centers. Clients with a higher turnover are usually served by the Top Corporations divisions, which are located in Prague, Brno and Bratislava.