CHARGES AND COMMISSIONS for bankaccounts of private individuals

CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012

HUF ACCOUNT CIB Classic Private Account Current account interest Penalty interest rate Date of crediting interest on account Date of debiting penalty interest Account opening minimum amount Monthly account keeping fee Beneficial monthly account keeping fee at least HUF 50 000 one-time income is transferred monthly, at least two payment orders are launched out of the following: - authorisation for direct collection - effecting Díjnet bill payment via Internet Bank - effecting a standing transfer order for at least HUF 1 000 or effecting a one-time transfer order for at least HUF 1 000 via Internet Bank. Account opening fee Account closing fee Number of free of charge cash withdrawal with HUF based 4 primary bankcards (in any domestic ATM) Regular monthly statement on CIB Internet Bank Regular first monthly statement printed on paper by post Statement upon special request, certificate Within 6 months /month

HUF 313

HUF 313

3

CIB Online Account CIB Senior Private 1 Package Account Interest % p.a.: 0.10 % SDRI %: 0.10 % 27,99 %

CIB Senior Plus 1 Private Account

On the last banking day of the quarter On the last banking day of the month None HUF 575 HUF 103

HUF 175

2

Not available

HUF 0 HUF 0 1 /month HUF 0 HUF 0 HUF 1000

CIB Bank Zrt. CIB Bank Ltd. H-1027 Budapest, Medve utca 4–14. H-1995 Budapest Telefon: (06 1) 423 1000 Fax: (06 1) 489 6500 Nyilvántartó cégbíróság: Fıvárosi Törvényszék Cégbírósága Cégjegyzékszám: Cg. 01-10-041004 Adószám: 10136915-4-44 CSASZ:17781028-5-44 Csoport közösségi adószám: HU17781028 Tızsdetagság: Budapesti Értéktızsde Zrt. Tevékenységi engedély száma: 957/1997/F, III/41. 044-10/2002. BIC (SWIFT) kód: CIBHHUHB

1

CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 Over 6 months /month Fee of account change Co- owner & authorized person modification Registration of beneficiary in case of death

HUF 2000 HUF 1000 HUF 500 HUF 1500 HUNGARIAN FORINT TRANSACTIONS CIB Classic Private CIB Online Account Account Package

HUF 0 CIB Senior Private 1 Account


Bank-to-bank transfer via GIRO system CIB Internet Bank, CIB Házibank, mobilCIB CIB24

Paper-based service

0,10%, min. HUF 62, max. HUF 20 000 0,15%, min. HUF 209, max. HUF 20 000

HUF 0

0,10%, min. HUF 62, max. HUF 20 000

HUF 104 + 0,15 % min. HUF 262, max. HUF 20 000

0,15%, min. HUF 209, max. HUF 20 000

0,31%, min. HUF 419, max. HUF 20 000

HUF 104 + 0,31%, min. HUF 419, max. HUF 20 000

0,10%, min. HUF 62, max. HUF 20 000

HUF 0

0,31%, min. HUF 419, max. HUF 20 000

Transfer to an account within the Bank CIB Internet Bank, CIB Házibank, mobilCIB

CIB24

0,15%, min. HUF 209, max. HUF 20 000

Paper-based service

0,20%, min. HUF 314, max. HUF 20 000

HUF 104 + 0,15 % min. HUF 262, max. HUF 20 000 HUF 104 + 0,20 % min. HUF 367, max. HUF 20 000

0,10%, min. HUF 62, max. HUF 20 000

HUF 0

0,15%, min. HUF 209, max. HUF 20 000

HUF 104

0,20%, min. HUF 314, max. HUF 20 000

HUF 209


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CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 Transfer between orderer’s subaccounts CIB Internet Bank, CIB Házibank, mobilCIB CIB24 Paper-based service Bank-to-bank transfer via VIBER system Standing order via GIRO system Standing order inside the bank Amendment, cancellation of standing order Public utility payment by direct debit 6 Conditional transfer order Mobile card recharging Díjnet bill payment – Internet bank Limit breach notification Cancellation / modification of order in Bank from another Bank Setting up, terminating, increasing, or reducing a fixed-term deposit on date of roll over CIB Internet Bank, CIB Házibank, mobilCIB CIB24 Paper-based service Terminating a fixed-term deposit on non date of roll over CIB Internet Bank, CIB Házibank, mobilCIB

HUF 40 0,10%, min. HUF 200, max. HUF 5000 HUF 104 HUF 200 /transaction HUF 52 /transaction

HUF 0 HUF 100 HUF 40 HUF 100 + 0,10%, 0,10%, min. HUF min. HUF 250, max. 200, max. HUF HUF 200 HUF 5000 5000 0,5% min. HUF 10 000, max. HUF 100 000 HUF 0 HUF 104 HUF 0 HUF 0 HUF 200 /transaction HUF 0 HUF 52 /transaction HUF 0 HUF 0 HUF 0 HUF 100 /transaction HUF 500 /pcs HUF 1000 /pcs

HUF 0 HUF 0 HUF 0 HUF 0


3

CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 CIB24 Paper-based service Cash deposit at teller desk 5 - commission on depositing of coins over 50 pcs Deposit through a postal cash-transfer order, postal installed voucher, postal subsequent setup, postal resettling 7 Cash withdrawal at teller desk 5 - commission on withdrawal of coins over 50 pcs Fee of announced but not occured or not announced cash 7 withdrawal above 1 million HUF Postal remittance (Not available in paper based form after 1 March 2012) Collection based on the authorization letter, official transfer orders and initiation of collection order by right of execution (HUF collection debit) for the benefit of the current account at CIB Bank Registration of incoming collection order Mailing fee

HUF 100 /transaction HUF 250 /transaction HUF 0 3% 0,35% + HUF 100 /transaction 0,41 % min. HUF 524, max. HUF 20 000 3% HUF 10 000 HUF 200 /remittance

HUF 500 HUF 500 HUF 500 FCY ACCOUNT CIB Classic Private Account

Current account interest Penalty interest rate Date of crediting interest on FCY account Date of debiting penalty interest

CIB Online Account CIB Senior Private 1 Package Account Interest % p.a.: 0,00


SDRI %: 0,00 1 week LIBOR + 6,00% On the last banking day of the year On the last banking day of the month


4


Account opening minimum amount Monthly account keeping fee Account opening and closing fee Regular monthly statement Statement upon special request, certificate Within 6 months /month Over 6 months /month

None HUF 104 HUF 0 HUF 0 USD 5 USD 10


5


8

FX TRANSACTION (to/from HUF or FX accounts) CIB Classic Private CIB Online Account Account Package

CIB Senior Private 1 Account


9,10

Bank to bank transfer CIB Internet Bank, CIB Házibank CIB24 Paper-based service Express premium for execution on T value day in case of EUR, USD, GBP and CAD 9,10 Transfer to an account within the Bank CIB Internet Bank, CIB Házibank CIB24 Paper-based service Transfer between orderer’s subaccounts CIB Internet Bank, CIB Házibank CIB24 Paper-based service Accessory charges for remittances in foreign currencies requiring manual processing (transfers between own accounts included) HUF transfer abroad Cancellation / modification of order in Bank from another Bank

0,15% min. USD 10, max. USD 367 0,15% min. USD 10, max. USD 367 0,15% min. USD 10, max. USD 367 USD 30 USD 5 0,10% min. USD 5, max. USD 157 0,10% min. USD 5, max. USD 157 HUF 0 USD 5 HUF 0 til 31 Dec 2012 USD 5 HUF 0 til 31 Dec 2012 USD 2 0,15% min. HUF 5 000, max. HUF 100 000 USD 5 /pcs USD 10 /pcs


6

CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 Setting up, terminating, increasing, or reducing a fixed-term deposit on date of roll over CIB Internet Bank, CIB Házibank, mobilCIB CIB24 Paper-based service Terminating a fixed-term deposit on non date of roll over CIB Internet Bank, CIB Házibank, mobilCIB CIB24 Paper-based service Cash deposit to HUF or FX account (only banknotes are accepted) Depositing damaged currency banknote Cash withdrawal in foreign currency to the debit of HUF or FX 7 account 7 Cash withdrawal in HUF to the debit of FX account Cheque issued 15 Cheque collection (min. 30 banking days ) Non–paid cheque Cover transfer of cheque drawn on CIB Bank Stop payment of a cheque

HUF 0 HUF 0

HUF 0 HUF 100 /transaction HUF 100 /transaction

HUF 0 HUF 0

HUF 0 HUF 100 /transaction 0,01% min HUF 200 max HUF 5000 /transaction HUF 0 10% 3‰ min. HUF 419, max. HUF 20 000 0,41 % min. HUF 524, max. HUF 20 000 USD 5 + bank-to-bank transfer’s charges 3‰ min. USD 31 max. USD 110 + foreign bank’s charges and DHL charges USD 5 USD 10 USD 10 ELECTRONIC SERVICES CIB Classic Private CIB Online Account Account Package

CIB Senior 1 Private Account


CIB Internet based Electronic Services (CIB Internet Bank, mobilCIB )


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CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 - Registration - Security text messages about log-ins and blockings - TOKEN device usage fee, the single-use passwordgenerating device - TOKEN application fee - TOKEN replacement, one-off fee (lost, stolen or damaged)

HUF 0 HUF 50 /month /user

HUF 0 HUF 0

HUF 0 HUF 50 /month /user

HUF 50 /month /user

HUF 0

HUF 50 /month /user

HUF 0 HUF 5000

HUF 0 HUF 5000

HUF 0 HUF 5000

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CIB Mobilbank - Security text messages aobut transactions of CIB bankcard (bankcard monitoring service) - Text messages about debits and credits on the bank account (account-monitoring service) - SMS fee12 CIB Házibank (Not demandable after 1 Jan 2002) - Connection to an existing port

HUF 52 /month /phone number HUF 209 /month /phone number HUF 19 /SMS HUF 0 til 31 August 2012 in case of bankcard montioring service

HUF 1 000

Not available

- Installation to further computers /computer Reinstallation or relocation by CIB - Trouble-shooting requested from CIB

HUF 5 000 Not available HUF 20 000 HUF 5 000 + VAT /hour Not available AVAILABLE ADDITIONAL SERVICES CIB Classic Private CIB Online Account CIB Senior Private CIB Senior Plus 1 1 Account Package Account Private Account 13 CIB Medical advisory phone line Not available HUF 0 CIB Bill Protection monthly fee HUF 999 Not available Monthly fee of accident insurance for accidental death till HUF HUF 139 1.000.000 (Available in case of 18-65 years of age) CIB Bank Zrt. CIB Bank Ltd. H-1027 Budapest, Medve utca 4–14. H-1995 Budapest Telefon: (06 1) 423 1000 Fax: (06 1) 489 6500 Nyilvántartó cégbíróság: Fıvárosi Törvényszék Cégbírósága Cégjegyzékszám: Cg. 01-10-041004 Adószám: 10136915-4-44 CSASZ:17781028-5-44 Csoport közösségi adószám: HU17781028 Tızsdetagság: Budapesti Értéktızsde Zrt. Tevékenységi engedély száma: 957/1997/F, III/41. 044-10/2002. BIC (SWIFT) kód: CIBHHUHB

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CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 Monthly fee of accident insurance for death of any case till HUF 1.000.000 (Available in case of 18-65 years of age) Monthly fee of accident insurance package for death of accidental death till HUF 1.000.000 (former insurance package for IEB Ezüst Mentor Account) (Not demandable after 1 Jan 2008) Monthyl fee of accident insurance package for death of any case till HUF 1.000.000 (former insurance package for IEB Arany Mentor Account (Not demandable after 1 Jan 2008) Mothly fee of accident insurance for accidental death till HUF 8.000.000 (Available in case of 18-65 years of age) Monthly fee of accident insurance for death of any case till HUF 8.000.000 (Available in case of 18-65 years of age)

HUF 399 HUF 159

Not available

HUF 699

Penalty interest rate Date of debiting penalty interest Account opening amount Monthly account keeping fee Account opening and closing fee Regular monthly statement on CIB Internet Bank Regular first monthly statement printed on paper by post (Only upon Customer request) 5 Statement upon special request, certificate Within 6 month / month Other / month

Not available HUF 999 HUF 2 499

CIB UNSECURED LOAN TECHNICAL 14 ACCOUNT 27,99 % On the last banking day of the month None HUF 0 HUF 0 HUF 0 HUF 0 HUF 1000 HUF 2000


9

CHARGES AND COMMISSIONS for bankaccounts of private individuals Effective date: 1 July 2012 Transfer between orderer’s subaccounts CIB Internet Bank, CIB Házibank, mobilCIB CIB24 Paper-based service Cash deposit at teller desk - commission on depositing of coins over 50 pcs 7 Cash withdrawal at teller desk 5 - commission on withdrawal of coins over 50 pcs 7 Fee of announced but not occured or not announced cash withdrawal above 1 million HUF Mailing fee CIB Internet based Electronic Services CIB Internet Bank – Compulsory Additional Service CIB mobilCIB - Registration - Security text messages about log-ins and blockings - TOKEN device usage fee, the single-use password-generating device - TOKEN application fee - TOKEN replacement, one-off fee (lost, stolen or damaged) 11 CIB Mobilbank - Text messages about debits and credits on the bank account (account-monitoring service)

- SMS fee12

HUF 0 HUF 0 HUF 0 HUF 0 3% 0,41 % min. HUF 524, max. HUF 20 000 3% HUF 10 000 HUF 500

HUF 0 HUF 50 /month /user HUF 50 /month /user HUF 0 HUF 5000 HUF 209 /month /phone number HUF 19 /SMS HUF 0 til 30 June 2012 in case of bankcard montioring service

Termination of the bank account: In the event of termination of the Bank Account Agreement, the cash withdrawal, bank-to-bank transfer, intrabank transfer or book transfer between the Client’s own accounts of an amount less than HUF 1,000 – or the equivalent in foreign currency determined based on the valid mid-rate quoted by the Bank on the day of execution by the Bank of the payment order to this effect – is free of charge. CIB Bank Zrt. CIB Bank Ltd. H-1027 Budapest, Medve utca 4–14. H-1995 Budapest Telefon: (06 1) 423 1000 Fax: (06 1) 489 6500 Nyilvántartó cégbíróság: Fıvárosi Törvényszék Cégbírósága Cégjegyzékszám: Cg. 01-10-041004 Adószám: 10136915-4-44 CSASZ:17781028-5-44 Csoport közösségi adószám: HU17781028 Tızsdetagság: Budapesti Értéktızsde Zrt. Tevékenységi engedély száma: 957/1997/F, III/41. 044-10/2002. BIC (SWIFT) kód: CIBHHUHB

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1.

Customers can apply for CIB Senior and Senior Plus Private Account: A) Entitled to old-age pension (with „pensioner reference number certificate”), independently of age; B) Entitled to widow’s pension; C) over 62 years of age.

2.

Account usage conditions of CIB Senior Plus Private Account: pension or income is transferred to the CIB Senior Plus Private Account , and having or applying for minimum one debit bankcard. Account usage conditions are reviewed monthly by the Bank and appropriate fees are applied in the next month.

3.

1. at least HUF 50 000 one-time income is transferred monthly, 2. at least two payment orders are launched out of the following: - authorisation for direct collection - effecting Díjnet bill payment via CIB Internet Bank, - effecting a permanent transfer order for at least HUF 1 000 or effecting a one-time transfer order for at least HUF 1 000 inititated in the Internet Bank. In case of a benefit package claimable upon opening a CIB Classic Private Account, the following services are gratis for three months: • CIB Classic Private Account monthly account management fee, • CIB Mobile Bank Account Watch and Card Watch system service , • Accident insurance with a sum of HUF 1 000 000 payable upon death, • Effecting any number of utility collection orders The bank provides the fee reductions if a CIB Classic Private Account, the HUF 1 000 000 accident death insurance and the CIB Mobile Bank Account Watch and Card Watch system service are applied for at same time. The CIB Mobile Bank Account Watch and Card Watch system are free of charge for the first cellular number set, for all others the conditions in force apply. The benefit may be extended for 6 months if the following conditions are jointly met at least once in a quarter, in the same month: 1. at least HUF 50 000 one-time income is transferred monthly, 2. at least two payment orders are launched out of the following: - authorisation for direct collection - effecting a permanent transfer order for at least HUF 1 000 or effecting a one-time transfer order for at least HUF 1 000 inititated in the Internet Bank. 4. The cost-free condition applies for any one major card. 5. If the client would like to withdraw coins above 50 pieces then the client has an announcement obligation: up to HUF 500.000 the need must be announced at least 2 banking day before the withdrawal; above HUF 500.000 the need must be announced in writing with the list of denomination at least 3 banking days from Monday to Thursday till 15 o’clock, on Friday till 14 o’clock. . 6. Products: T -Mobile DOMINO top-up card, seller: Magyar Telekom Plc.; Praktikum top-up card, seller: Telenor Hungary Ltd.; Vodafone VitaMAX top-up card, seller: Vodafone Hungary. The service is available via CIB24, CIB Internet Bank and mobilCIB service. 7. Requests to make cash withdrawals must be submitted in advance to the Bank either verbally (by telephone, via CIB24/in person), or in writing. Cash withdrawal amount Deadline of notice HUF EUR, USD Other


11


8.

1 working day advance to Thursday till 15 o’clock , 1.000.000– 10.000.000,1.000 – 5.000,Up to equivalent of USD 5.000 on Friday till 14 o’clock 2 working day advance 10.000.000,- felett 5.000,- felett Over to eqiuvalent of USD 5.000,The Bank does not guarantee the availability of amounts that are subject to the above advance notice requirement but have not been requested in advance. In addition to commissions applicable to foreign currency transactions involving the Customer’s Bank Account, any out-of-pocket expenses (e.g. postal charges, DHL courier charges, etc.) related to the executed transactions, as well as any justified fees and commissions incurred due to the involvement of an intermediary bank or banks may, at the Parties’ option, be charged to the Customer or to the Originator of the foreign currency transaction. (These include, in the case of outgoing foreign-currency payments to destination countries that use the IBAN international bank account number format, the fee charged by the foreign bank if the beneficiary’s IBAN-format account number was indicated erroneously on, or omitted from, the payment order.) If the Customer undertakes to bear all the fees and charges associated with the transfer, the Customer must ensure that sufficient funds are available on the designated account to cover such costs. The precise amount of fees and charges differ from bank to bank. Upon fulfilment HUF value of the fees and expenses of the foreign currency transfer transactions (e.g. SWIFT), as well as any justified fees and commissions incurred due to the involvement of an intermediary bank/banks, financial or other institutions (e.g. surcharge of manual processed transfers), are charged to the Customer when they occurred. Paper based transfer orders are accepted by CIB Bank only on a special foreign currency transfer order form.

9.

CIB Bank’s sell/buy foreign exchange rate valid on the date of debiting the account is applied to calculate the countervalue of orders submitted in currency different from that of the account debited.

10.

In case of foreign exchange transfer orders which are denominated in non EEA currency, if the account holder doesn't undertake to pay the foreign bank charges, the transferred amount will be credited to the bank account of the beneficiary reduced by any possibly arising intermediary bank charges. Intermediary bank charges differ by bank. In case of Account Monitor service the bank sends SMS on transactions above HUF 500, in case of Card Monitor service the bank sends SMS on all transactions. Clients can modify this limit via CIB24 or in the branch.. SMS fee is charged on SMS sent by the bank. SMS fee is charged as an aggregated monthly fee as from the application date of the service.

11.

12. 13. 14.

15.

CIB Medical advisory phone line can be called 24 hours a day, 365 days a year with local rates. Phone number is 06 40 200 901. Serving for repayment of some unsecured loan CIB Unsecured Loan Technical Account is a payment account with limited functions, only with transactions and additional services which are specified in this List of Conditions. CIB Unsecured Loan Technical Account is compulsory to open in case of application for Restructuring Loan, or applicaton for Personal Loan with CIB Online Account Package or CIB XL Private Account. Statement of the Account will be put at Customer’s disposal throw CIB Internet Bank. Debit card is not applicable for this Account. The execution of cheque collection orders takes a minimum of 30 bank working days from submission of the order by the Client. The Bank excludes its liability for any lengthening of this deadline due to the paying bank’s procedure related to execution of the collection order. The deadlines applicable to execution should in every case be interpreted as being over and above the deadlines specified in this List of Conditions. The Bank is only able to inform the Client in advance about those procedural deadlines at third-party banks in respect of which it has information.

All the Bank’s costs, in excess of the usual costs, incurred in relation to the provision of services to the Customer – especially the costs of any authority procedures, the costs of using an assistant, the costs of using legal and other advisors, as well as mailing costs and stamp duty – shall be borne by the Customer.


12

CHARGES AND COMMISSIONS for bankaccounts of private individuals

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