Published: 29 June 2018 Date of effect: 1 July 2018

Transcription

1 Published: 29 June 2018 Date of effect: 1 July 2018 PUBLIC ANNOUNCEMENT On commissions, fees and costs with regard to the HUF and foreign currency accounts of micro and small enterprise clients alongside a turnover special fee OTP Bank Pl, based on the conditions specified in the Corporate Division Business Regulations, classifies those sole traders, enterprises with legal personality and without legal personality, foundations, organisations managing public donations, nonprofit and other organisations not belonging to public service, whose product usage is limited to standard enterprise products only, and whose total banking obligations does not eceed 250 million HUF. If the enterprise is a member of a company group, the value limit applies to the enterprises combine Irrespective of these conditions, condominiums and housing cooperatives also belong to this client bas The products covered by this public announcement belong to the standard enterprise product range of OTP Bank Pl Changes are shown in italics in the tet. This Public Announcement has been modified because of the current special offers for opening accounts listed in (A), (B), (E) and the etension of the special offer for online service for retrieval of electronic company registry etract (D). OUR CURRENT SPECIAL OFFERS (A) Special offer for account opening in an OTP branch: For enterprise (ecept Gold) or condominium account package applied for and opened in any OTP branch by a corporate client between 1 July 2018 and 31 December 2018 in case of request for authenticated electronic bank account statement the Bank will not charge the account keeping monthly fee for 6 months from the opening of the account, if the client has not opened any current account or payment account with OTP Bank Pl previously (but after 1 July 2017). (B) Special offer for account opening in case of online application: For enterprise (ecept Gold) account package applied for online (on page and activated in an OTP branch between 1 July 2018 and 31 December 2018 by an enterprise client in case of request for authenticated electronic bank account statement the Bank will not charge the account keeping monthly fee for 12 months from the opening of the account, if the client has not opened any current account or payment account with OTP Bank Pl previously. (C) (D) Special offer for condominium Loan: From 1 February 2008 until withdrawn, in case of concluding a new Thermo/Stílus credit agreement, the Bank will not charge the account keeping monthly fee for Társasházi Mai, Társasáhi Mini, Alap or Mozaik account packages of condominiums and housing cooperatives for 12 months from the date of concluding the contract but latest by the maturity of the loan. Special offer for online service for retrieval of electronic company registry etract in case of applying for new account package: If an enterprise client opens an enterprise account package between 1 July 2018 and 31 December 2018, and uses the online service for retrieval of the electronic company registry etract during opening the account, then the fee for the online service for electronic retrieval of the certificate of incorporation will not be charge (E) ebiz special offer for opening accounts in OTP branches: If a corporate client meets the conditions in Clause (A) of Current discount offers between 1 July 2018 and 30 September 2018 and if it registers, within 1 month after opening its account (but not later than 31 October 2018), by successfully adding the bank connection, for the OTP Business service, and issues an invoice from the ebiz application (also within 1 month after opening the account (but not later than 31 October 2018) ), then OTP Bank will not charge the accountkeeping for 12 months (instead of 6 months). (F) Special offer for Széchenyi Investment Loan: Széchenyi Investment Loan can be applied for between 18 June and 31 December 2018 For our new clients, meeting the conditions in Clause (A) "Special offer for account opening in an OTP branch", the Bank will not charge the account keeping fee for 6 months, and for a further 6 months (for a total of 12 months). (The 12month discount under "Special offer for account opening in case of online application* does not change even when the loan is applie) for our current clients with an account and authenticated electronic bank account statement (ecept Gold Account Package) on 17 June 2018, the Bank will not charge the account keeping fee for a period of 6 months from the month of concluding Széchenyi Investment Loan Agreement. The special offer is valid for the first account opened with authentical electronic bank account statement. OTP Bank Pl Page 1, total: 19

2 CONTENTS I. ACCOUNT PACKAGES CONDITIONS 3 I.1 Comments and conditions relating to the application for an account package 3 I.2 General small enterprise account packages 4 I.3 Professional account packages 7 I.4 Condominium account packages 9 I.5 Account packages not sold 10 II. GENERAL PAYMENT CONDITIONS 11 II.1 Bank account keeping 11 II.2 Eecuting adhoc transfers, book transfers, collection and administrative orders, as well as transfer warrants 12 II.3 Crediting 13 II.4 Cash desk transactions 13 II.5 Standing, debit date specified and group transfers / collections 13 II.6 OTPdirect Electra Terminal service 14 II.7 Foreign currency cheque 14 II.8 Documentary transactions performance 14 II.9 Customs cash desk service 16 II.10 Other services 16 II.11 Late payment of outstanding fees, commission and costs 17 II.12 Due date of fees, commissions and costs 17 II.13 Application of echange rates related to payments turnover 18 II.14 Information on the general terms and conditions of the performance of the international HUF and foreign currency, as well as domestic foreign currency payments 19 III. REFERENCES 20 OTP Bank Pl Page 2, total: 19

3 I. ACCOUNT PACKAGES CONDITIONS (14) 1. COMMENTS AND CONDITIONS RELATING TO THE APPLICATION FOR AN ACCOUNT PACKAGE In case of fees and commissions not shown in chapter "Account packages conditions", the conditions detailed in chapter II (General payment conditions) apply to all account packages. In case of recontracting to any bank account/account package, the commission, cost and fee conditions of the new bank account/account package are effective from the day following the recontracting, furthermore OTP Bank Pl ensures that the eisting payment account number is kept, ecept the Bázis account package, for which OTP Bank Pl requires a new current bank account agreement to be concluded, and generates a new current bank account number. Nonprofit and other organisations and foundations may use any general enterprise account package included in the public announcement. The fee for services marked with X in sections "Account package contents" are included in the monthly fee for the account packag If the monthly fee of any account package includes preferential and/or transfers, cash withdrawals, the turnover special fee set out in point II.1.1. of this public announcement is also charged on these transactions. If the monthly fee of any account package includes the annual fee for a debit card of certain type, it applies in all cases to the card first ordered for the account packag If the monthly fee includes preferential OTP ATM cash withdrawals, the preference may be assigned to any debit card belonging to the account packag With respect to the preferences provided for the account packages, transactions completed as from 0:00 on the first day of the month to 24:00 on the last day of the month are considered, according to calendar month. The cash desk deposit commission pertains to the banknote deposits. In case of depositing coins, this commission is in addition to the fee item listed in the Public Announcement on the fee items for the distribution of banknotes and coins". OTP Bank Pl Page 3, total: 19

4 2. GENERAL ENTERPRISE ACCOUNT PACKAGES DESIGNATION Small enterprise BÁZIS account package For enterprises For nonprofit organisations Small enterprise START account package In preferential period In nonpreferential period Small enterprise STANDARD account package 1 pc HUF current account MC Unembossed debit card annual fee OTPdirekt monthly fee Preferential OTP ATM cash withdrawal Preferential HUF ad hoc transfer to domestic destination Account keeping monthly fee With respect to the first annual card fe ACCOUNT PACKAGES CONTENTS FEES AND COMMISSIONS First in month 0 HUF First 2 items in month, interbank, initiated through OTPdirekt services 0 HUF First in month 0 HUF Statement sent with monthly frequency, in a paper based format (1) 101 HUF/month 0 HUF/month 406 HUF/month 3,001 HUF/month 2,584 HUF/month With authenticated electronic bank account statement (2) 252 HUF/month 150 HUF/month 546 HUF/month 2,991 HUF/month 2,584 HUF/month Statement sent with transaction frequency, in a paper based format Domestic HUF and intrabank foreign currency ad hoc transfers Intrabank, through OTPdirekt services (22) Intrabank, initiated in a branch Interbank, through OTPdirekt services (22) Interbank, initiated in a branch Cash withdrawal over the counter in HUF Cash deposit deposit over the counter in HUF 406 HUF/month 300 HUF/month 0.18%, min. 178 HUF, ma 108,670 HUF 0.18%, min. 178 HUF, ma 108,670 HUF 0.55%, min. 624 HUF, ma 108,670 HUF 0.55%, min. 624 HUF, ma 108,670 HUF 0.50% HUF 0.50% HUF 718 HUF/month 0 Ft 0.16%, min. 296 HUF, ma 108,670 HUF 0.26%, min. 478 HUF, ma 108,670 HUF OTHER CONDITION HUF/month 0.14%, min. 178 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF HUF/month 0.14%, min. 35 HUF, ma 108,670 HUF 0.14%, min. 35 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF In case of recontracting to Bázis account package, The preferential conditions apply to the Start account OTP Bank Pl does not ensure keeping the eisting package opened newly and as first by the client, up current account number. to 2 year account keeping history, provided that the enterprise history of the client does not eceed one year on the date when the account is opene In other cases (g. when recontracting to Start account package irrespective of the enterprise history of the client), the nonpreferential period conditions apply. OTP Bank Pl Page 4, total: 19

5 Small enterprise KOMFORT account package DESIGNATION Small enterprise Eaccount package Min. 100 million HUF Min. 250 million HUF Small enterprise GOLD account package ACCOUNT PACKAGES CONTENTS with committing to annual debit account turnover 1 pc HUF current account MC Unembossed debit card annual fee OTPdirekt monthly fee Preferential payment conditions Preferential HUF ad hoc transfer to domestic destinat Preferential progressive tiered demand interest Preferential private banking account keeping Preferential securities account keeping First 10 items in month, intrabank or interbank, initiated through OTPdirekt services 0 HUF First 20 items in month, interbank, initiated through OTPdirekt services 0 HUF FEES AND COMMISSIONS Account keeping monthly fee Statement sent with monthly frequency, in a paper based format (1) HUF/month With authenticated electronic bank account statement (2) 4,003 HUF/month Statement sent with transaction frequency, in a paper bas 5,097 HUF/month Domestic HUF and intrabank foreign currency ad hoc transfers Intrabank, through OTPdirekt services (22) 0.085%, min. 35 HUF, ma 108,670 HUF Intrabank, initiated in a branch 0.16%, min. 35 HUF, ma 108,670 HUF Interbank, through OTPdirekt services (22) 0.11%, min. 116 HUF, ma 108,670 HUF Interbank, initiated in a branch 0.26%, min. 116 HUF, ma 108,670 HUF Cash withdrawal over the counter in HUF Cash deposit deposit over the counter in HUF 0.05%, min. 35 HUF, ma 108,670 HUF 0.16%, min. 35 HUF, ma 108,670 HUF 0.09%, min. 116 HUF, ma 108,670 HUF 3,001 HUF/month 0.26%, min. 237 HUF, ma 108,670 HUF 15,562 HUF/month 2,991 HUF/month 15,218 HUF/month 4,324 HUF/month 16,834 HUF/month 35 Ft 0 Ft 0.07%, min. 116 HUF, ma 108,670 HUF 0 Ft 0.11%, min. 116 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF OTHER CONDITION The account package and the related premium payment The Private Banking service package is preferentially preferences are available subject to committing to a slight provided by the Bank to one private person designated by annual debit account turnover. If the committed debit the enterpris (17) account turnover is not met, the client shall pay a special The Private Banking securities account keeping conditions fee which is 0.1% of the amount not met. (3) apply to the securities account of the enterpris The preferential demand interest rate applies on the The preferential demand interest rate applies on the current account of the account package, according to the current account of the account package, according to the effective Public Announcement on the deposit interest effective Public Announcement on the deposit interest rates applicable to the HUF accounts of enterprise and rates applicable to the HUF accounts of enterprise and public service clients". public service clients". DESIGNATION 1 pc HUF current account 1 pc foreign currency payment account (EUR, USD, CHF or GBP) Foreign currency and international HUF ad hoc transfer / credit preferences Preferential standard transfer to OTP foreign subsidiary bank MC Unembossed debit card annual fee (for HUF account) OTPdirekt monthly fee Small enterprise STANDARD DEVIZAPLUSZ account package ACCOUNT PACKAGES CONTENTS First in month 0 HUF (with subsequent crediting) Small enterprise EDEVIZAPLUSZ account package First in month 0 HUF (with subsequent crediting) OTP Bank Pl Page 5, total: 19

6 Preferential OTP ATM cash withdrawal (for HUF account) Preferential HUF ad hoc transfer to domestic destination (for HUF account) First in month 0 HUF FEES AND COMMISSIONS First 10 items in month, intrabank or interbank, initiated through OTPdirekt services 0 HUF Account keeping monthly fee (4) Statement sent with monthly frequency, in a paper based format (1) With authenticated electronic bank account statement (2) Statement sent with transaction frequency, in a paper based format Domestic HUF and intrabank foreign currency ad hoc transfers to the debit of HUF account Intrabank, through OTPdirekt services (22) Intrabank, initiated in a branch Interbank, through OTPdirekt services (22) Interbank, initiated in a branch Intrabank HUF and foreign currency transfers to the debit of foreign currency account 5,271 HUF/month 5,270 HUF/month 6,200 HUF/month 0.14%, min. 35 HUF, ma 108,670 HUF 0.14%, min. 35 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF 0.11%, min. 35 HUF, ma 108,670 HUF 6,731 HUF/month 6,689 HUF/month 8,057 HUF/month 0.085%, min. 35 HUF, ma 108,670 HUF 0.16%, min. 35 HUF, ma 108,670 HUF 0.11%, min. 116 HUF, ma 108,670 HUF 0.26%, min. 116 HUF, ma 108,670 HUF 0.11%, min. 35 HUF, ma 108,670 HUF Interbank foreign currency and international HUF ad hoc transfers (to the debit of the HUF and foreign currency account of the account package) initiated through OTPdirekt services or in a branch International HUF and foreign currency transfers, interbank foreign currency transfers SEPA transfers Commission for crediting of foreign currency transfer from foreign or other Hungarian banks above 100 EUR (or its equivalent in another currency), in case of HUF and foreign currency account Cash withdrawal over the counter in HUF Cash deposit deposit over the counter in HUF 0.10%, min. 3,300 HUF, m 40,000 HUF 0.10%, min. 3,300 HUF, m 15,000 HUF 0.03%, min. 2.5 EUR, m 30 EUR OTHER CONDITION 0.10%, min. 3,300 HUF, m 40,000 HUF 0.10%, min. 3,300 HUF, m 15,000 HUF 0.03%, min. 2.5 EUR, m 30 EUR Recontracting to this account package is possible only if the original account did not have associated further bank accounts managed within one agreement, kept in other currencies. Under the DevizaPlusz account package, managing accounts in multiple currencies is not feasible within one account agreement. The fee for the small enterprise DevizaPlusz account package, as specified in the Public Announcement, is charged separately on the HUF and foreign currency current account, unless requested otherwis If the enterprise foreign currency payment bank account of the account package is terminated for whatever reason, it results in the automatic termination of the account package, and the remaining HUF current bank account continues to operate as Small Enterprise Standard account package (in case of termination of a Standard DevizaPlusz account package), or Small Enterprise Eaccount package (in case of termination of an edevizaplusz account package) in respect of its costs, related services and payment preferences. If the HUF current bank account of the account package is terminated for whatever reason, it results in the automatic termination of the account packag The remaining foreign currency current bank account continues to operate as standard foreign currency current account with respect to its costs, related services and the payment transaction fees and commissions. The fee for the first in month transfer to an OTP foreign subsidiary bank will be subsequently credited by the Bank in the month following the subject month to the bank account from which the transfer was initiated, in the currency of the bank account. From transfers occurring at the same time, the Bank selects on a random basis the item for which the fee shall be subsequently credite OTP Bank Pl Page 6, total: 19

7 3. PROFESSIONAL ACCOUNT OFFERINGS DESIGNATION Small enterprise PATIKA account package Small enterprise JOGÁSZ account package ATTORNEY CUSTODY DEPOSIT account with debit card ACCOUNT PACKAGES CONTENTS 1 pc HUF current account MC Unembossed debit card annual fee OTPdirekt monthly fee Preferential payment conditions Preferential progressive tiered demand interest (segregated account) With respect to the first annual card fe FEES AND COMMISSIONS Account keeping monthly fee Statement sent with monthly frequency, in a paper based format (1) 2,072 HUF/month 1,029 HUF/month 0 HUF/month With authenticated electronic bank account statement (2) 2,097 HUF/month 1,083 HUF/month 79 HUF/month Statement sent with transaction frequency, in a paper bas 3,646 HUF/month 2,083 HUF/month 519 HUF/month Domestic HUF and intrabank foreign currency ad hoc transfers Intrabank, through OTPdirekt services (22) 0.05%, min. 35 HUF, ma 108,670 HUF 0.05%, min. 35 HUF, ma 108,670 HUF 0.05%, min. 35 HUF, ma 15,406 HUF Intrabank, initiated in a branch 0.05%, min. 35 HUF, ma 108,670 HUF 0.05%, min. 35 HUF, ma 108,670 HUF 0.05%, min. 35 HUF, ma 15,406 HUF Interbank, through OTPdirekt services (22) 0.09%, min. 116 HUF, ma 108,670 HUF 0.09%, min. 116 HUF, ma 108,670 HUF 0.09%, min. 116 HUF, ma 15,406 HUF Interbank, initiated in a branch 0.09%, min. 116 HUF, ma 108,670 HUF 0.09%, min. 116 HUF, ma 108,670 HUF 0.09%, min. 116 HUF, ma 15,406 HUF Cash withdrawal over the counter in HUF Cash deposit deposit over the counter in HUF 0.03%, min. 207 HUF OTHER CONDITION The account package may be used by enterprises operating pharmacies, or pharmaceutical retail businesses (primary TEÁOR/NACE code is 4646 or 4773 based on the year 2008 classification). The preferential demand interest rate applies on the current account of the account package, according to the effective Public Announcement on the deposit interest rates applicable to the HUF accounts of enterprise and public service clients". The account package may be used by businesses conducting legal activity (attorneys, lawyers, public notaries et) (primary TEÁOR/NACE code is 6910 based on the year 2008 classification). The attorney custody deposit account may only be used by attorneys. The above conditions only apply if the client has also ordered a debit card for the attorney custody deposit account. In other cases the conditions of caution and custody deposit accounts as shown in point II. 1.2.h of this Public Announcement apply. The custody deposit account is only available along with the current account kept with OTP Bank. The custody deposit account does not qualify as an account packag OTP Bank Pl Page 7, total: 19

8 DESIGNATION Small enterprise ACCOUNTANT account package Small enterprise TERRA account package NONPROFIT account package With fulfilling savings requirement Without fulfilling savings requirement ACCOUNT PACKAGES CONTENTS 1 pc HUF current account 1 pc segregated bank account MC Unembossed debit card annual fee OTPdirekt monthly fee Preferential HUF ad hoc transfer to domestic destinat First 2 items in month, interbank, initiated through OTPdirekt services 0 HUF First items in month, interbank, initiated through OTPdirekt services 0 HUF FEES AND COMMISSIONS Account keeping monthly fee Statement sent with monthly frequency, in a paper based format (1) With authenticated electronic bank account statement (2) not available 496 HUF/month 2,687 HUF/month 249 HUF/month 1,029 HUF/month 2,686 HUF/month 394 HUF/month 1,154 HUF/month Statement sent with transaction frequency, in a paper bas not available 2,971 HUF/month 447 HUF/month 1,260 HUF/month Domestic HUF and intrabank foreign currency ad hoc transfers Intrabank, through OTPdirekt services (22) 0 Ft Intrabank, initiated in a branch 0.16%, min. 237 HUF, ma 108,670 HUF Interbank, through OTPdirekt services (22) 0.16%, min. 296 HUF, ma 108,670 HUF Interbank, initiated in a branch 0.26%, min. 478 HUF, ma 108,670 HUF Cash withdrawal over the counter in HUF Cash deposit deposit over the counter in HUF 0.13%, min. 62 HUF, ma 104,243 HUF 0.13%, min. 62 HUF, ma 104,243 HUF 0.15%, min. 214 HUF, ma 104,243 HUF 0.15%, min. 214 HUF, ma 104,243 HUF OTHER CONDITION 0 Ft 0.38%, min. 32 HUF, ma 108,670 HUF 0.22%, min. 214 HUF, ma 108,670 HUF 0.38%, min. 214 HUF, ma 108,670 HUF 0.50%, min. 362 HUF The account package may only be used by businesses conducting accounting, audit and ta advisory activity (primary TEÁOR/NACE code is 6920 based on the year 2008 classification), along with selecting authenticated electronic bank account statement. The account package may only be used by clients conducting agricultural, forestry and fishing activity (primary TEÁOR/NACE code begins with 01, 02 or 03 based on the year 2008 classification). The fees and commissions applicable to the segregated account included in the account package are identical with the fees and commissions for the current account (ecept the monthly fee included in the package). The account package may only be used by nonprofit organisations and foundation (ecept condominiums and housing cooperatives). Savings requirement: the day end balance of cash assets placed on all HUF bank accounts owned by the client and kept at OTP Bank (demand balance, related term deposit, savings account and securities account balance in total) does not fall below 1.5 million HUF in the previous one month (from day 16 of the previous month to day 15 of this month). 4. CONDOMINIUM ACCOUNT PACKAGES DESIGNATION TÁRSASHÁZI MINI account package TÁRSASHÁZI MAXI account package ACCOUNT PACKAGES CONTENTS 1 pc HUF current (operations) account Preferential payment conditions OTPdirekt monthly fee FEES AND COMMISSIONS OTP Bank Pl Page 8, total: 19

9 Account keeping monthly fee Statement sent with monthly frequency, in a paper based format (1) 502 HUF/month 1,720 HUF/month With authenticated electronic bank account statement (2) 480 HUF/month 1,500 HUF/month Statement sent with transaction frequency, in a paper based format 770 HUF/month 2,750 HUF/month Domestic HUF and intrabank foreign currency ad hoc transfers Intrabank, through OTPdirekt services (22) 0.12%, min. 214 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF Intrabank, initiated in a branch 0.16%, min. 286 HUF, ma 108,670 HUF 0.11%, min. 68 HUF, ma 108,670 HUF Interbank, through OTPdirekt services (22) 0.45%, min. 377 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF Interbank, initiated in a branch 0.55%, min. 461 HUF, ma 108,670 HUF 0.18%, min. 291 HUF, ma 108,670 HUF Permanent and value date intrabank and domestic transfers Interbank 0.45%, min. 377 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF Intrabank 0.12%, min. 214 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF Fee charged to the paying party in case group collection Interbank group collection 0.45%, min. 377 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF Intrabank group collection 0.12%, min. 214 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF Cash withdrawal over the counter in HUF 0.50%, min. 468 HUF Cash deposit deposit over the counter in HUF OTHER CONDITION 5. ACCOUNT PACKAGES NOT SOLD DESIGNATION TAKAROS account package ALAP account package MOZAIK account package Account keeping monthly fee Statement sent with monthly frequency, in a paper based format (1) 510 HUF/month 1,750 HUF/month 2,114 HUF/month With authenticated electronic bank account statement (2) 647 HUF/month 1,773 HUF/month 2,127 HUF/month Statement sent with transaction frequency, in a paper bas 770 HUF/month 2,750 HUF/month 3,135 HUF/month Domestic HUF and intrabank foreign currency ad hoc transfers ACCOUNT PACKAGES CONTENTS 1 pc HUF current (operations) account Preferential payment conditions Free of charge OTPdirekt Electra Terminal service FEES AND COMMISSIONS Intrabank, through OTPdirekt services (22) 0.12%, min. 214 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF Intrabank, initiated in a branch 0.12%, min. 214 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF 0.06%, min. 35 HUF, ma 108,670 HUF Interbank, through OTPdirekt services (22) 0.45%, min. 377 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF Interbank, initiated in a branch 0.45%, min. 377 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF 0.11%, min. 178 HUF, ma 108,670 HUF Cash withdrawal over the counter in HUF 0.50%, min. 468 HUF OTP Bank Pl Page 9, total: 19

10 Cash deposit deposit over the counter in HUF OTP Bank Pl will not conclude new agreements for this account package from 19 March OTHER CONDITION OTP Bank Pl will not conclude new agreements for this account package from 19 March OTP Bank Pl will not conclude new agreements for this account package from 19 March Fees related to the Electra Terminal, when the account package is selected: installation fee: 0 HUF software licence fee: 0 HUF modem rental: 0 HUF. II. GENERAL PAYMENT CONDITIONS (14) BANK ACCOUNT KEEPING FEES RELATED TO ACCOUNT OPENING, ACCOUNT CLOSING, ACCOUNT KEEPING AND CHANGE OF SCHEME Account opening Current bank account, changing account package Account closing fee (12) Turnover special fee (13) Free of charge 5,000 HUF / recontracting (0 HUF until 31 December 2018) 10,000 HUF / account closing (0 HUF until 31 December 2018) Duty amount shown on the bank account statement, calculated for the respective account on the transactions subject to the applicable act on financial transaction duty, using the duty rates set out in this act. 1.2 HUF ACCOUNTS ACCOUNT KEEPING MONTHLY FEE Account type Statement sent with monthly frequency, in a paper based format (1) With authenticated electronic bank account statement (2) Statement sent with transaction frequency, in a paper based format Current bank accounts for enterprises 3,344 HUF/month 3,324 HUF/month 3,678 HUF/month Current bank accounts for nonprofit organisations 2,584 HUF/month 2,584 HUF/month 2,949 HUF/month OTP eforint current bank account (5) 3,125 HUF/month 3,111 HUF/month 3,575 HUF/month Condominiums, housing cooperatives operations account 2,114 HUF/month 2,127 HUF/month 3,135 HUF/month Condominiums, housing cooperatives renovation accounts (available only along with operations account or condominium account package) 916 HUF/month 963 HUF/month 1,113 HUF/month f. Current bank accounts for foundations, donations 916 HUF/month 963 HUF/month 1,081 HUF/month g. Other accounts 916 HUF/month 963 HUF/month 1,071 HUF/month h. Accounts not under the client's free disposal due to caution, custody, cover security and other reasons 916 HUF/month 963 HUF/month 1,071 HUF/month i. Savings accounts 0 HUF/month 0 HUF/month 0 HUF/month j.) Bank technical accounts 0 HUF/month 0 HUF/month 0 HUF/month 1.3 FOREIGN CURRENCY ACCOUNTS ACCOUNT KEEPING MONTHLY FEE (6) Currencies in which foreign currency accounts are kept (21) Account type Statement sent with monthly frequency, in a paper based format (1) EUR, USD, CHF, GBP, CAD, SEK, JPY, BGN With authenticated electronic bank account statement (2) Statement sent with transaction frequency, in a paper based format Enterprise foreign currency current bank accounts 2,687 HUF/month 2,686 HUF/month 2,960 HUF/month OTP Bank Pl Page 10, total: 19

11 Nonprofit organisations foreign currency current bank accounts Other foreign currency accounts Accounts not under the client's free disposal due to caution, custody, attorney custody, cover security and other reasons Savings accounts (EUR, USD) 2,271 HUF/month 2,280 HUF/month 2,532 HUF/month 916 HUF/month 963 HUF/month 1,051 HUF/month 916 HUF/month 963 HUF/month 1,051 HUF/month 0 HUF/month 0 HUF/month 0 HUF/month EXECUTING ADHOC TRANSFERS, BOOK TRANSFERS, COLLECTION AND ADMINISTRATIVE ORDERS, AS WELL AS TRANSFER WARRANTS DOMESTIC HUF AND INTRABANK FOREIGN CURRENCY TRANSFERS To the debit of HUF and foreign currency account Intrabank transfers via OTPdirekt services (22) or launched in a branch Interbank domestic HUF transfers via OTPdirekt services (22) or launched in a branch In case of OTP eforint current bank account (5) Intrabank transfers via OTPdirekt services (22) Intrabank transfers, initiated in a branch Interbank domestic HUF transfers via OTPdirekt services (22) Interbank domestic HUF transfers, initiated in a branch 0.14%, min. 35 HUF, ma 108,670 HUF 0.16%, min. 237 HUF, ma 108,670 HUF 0.085%, min. 35 HUF, ma 108,670 HUF (0.085%, min. 35 HUF, m 108,670 HUF) % special fee 0.11%, min. 116 HUF, ma 108,670 HUF (0.11%, min. 116 HUF, m 108,670 HUF) % special fee INTERNATIONAL HUF AND FOREIGN CURRENCY TRANSFERS, INTERBANK FOREIGN CURRENCY TRANSFERS WITH DOMESTIC DESTINATION (to the debit of HUF and foreign currency account) Standard transfers Via OTPdirekt services (22) 0.12%, min. 3,300 HUF, m 80,000 HUF Initiated in a branch 0.15%, min. 3,300 HUF, m 80,000 HUF Urgent transfers Euro epressz transfers (to the debit of EUR account, in EUR currency, via electronic channel (22), urgent transfer initiated by 12:00 noon, with current day fulfillment) SEPA transfers (EUR transfers to the European Union, as well as Norway, Switzerland, Liechtenstein, Monaco and Iceland) Via OTPdirekt services (22) 5,000 HUF (in addition to the fee for standard transfer shown in point 2.2.) 0.12%, min. 3,300 HUF, m 80,000 HUF HUF 0.12%, min. 3,300 HUF, m 15,000 HUF Initiated in a branch 0.15%, min. 3,300 HUF, m 15,000 HUF f. 2.3 f. g. h. i. j.) 3. Transfers within the OTP Bank Group OTHER Standard transfers OTP epressz transfers Surcharge of orders missing data Book transfer between own accounts (11) intrabank (ecept book transfer from savings accounts) Fee for intrabank transfer, book transfer from HUF savings accounts of enterprises and nonprofit organisations Transaction fee for intrabank transfer, book transfer from condominium savings account Transaction fee for book transfer from foreign currency savings account to own foreign currency account Initiating collection and administrative orders Initiation of domestic VIBER (Real Time Gross Settlement System) items in HUF to domestic destinations (from HUF or foreign curre Special fee for orders initiated with enhanced data content (7) Recovery (recall) of amount of transfers incorrectly fulfilled due to account owner s fault Post office disbursement voucher (in addition to postage under the prevailing standard tariffs) Intrabank HUF adhoc transfer to provide card coverage (possible only by using OTPdirekt call center and internet banking service) (16) CREDITING 3,000 HUF HUF 5,000 2,000 HUF 0.10%, min. 1,500 HUF, m 30,000 HUF Commission applicable to the condominium account package or operations account of the client 0.01%/item, m 50,000 HUF 300 HUF/pc 0.50%, min. 10,000 HUF, m 100,000 HUF 500 HUF / item (50 HUF / item until withdrawn but latest by 31 December 2018) 8,900 HUF / item + postage under the prevailing standard tariffs ( in a promotion until withdrawn but latest by 31 December 2018) The fee for interbank transfer initiated in a branch, without minimum fee, with respect to the bank account affected with the disbursement 0.4%, min. 450 HUF Crediting of domestic HUF transfer (including VIBER) Crediting of international HUF transfer Commission for crediting of foreign currency transfer from foreign or other Hungarian banks OTP Bank Pl Page 11, total: 19

12 up to 100 EUR (or its equivalent in another currency) above 100 EUR (or its equivalent in another currency) 0.05%, min. 5 EUR, m 50 EUR Post office deposits Payment intermediary service fee published by Magyar Posta Zrt. as applicable instant cash deposit through ATM (19) a b HUF accounts és account packages (ecept Bázis account package) Bázis account package (0.025%, min. 103 HUF until withdrawn but latest by ) 0.50%, +571 HUF (0.25%, HUF until withdrawn but latest by ) CASH DESK TRANSACTIONS CASH WITHDRAWALS OVER THE COUNTER 4.2 c In HUF (from HUF account, from foreign currency account) In foreign cash (from HUF account, from foreign currency account) Bulk withdrawal (in addition to the fee specified in points and, as well as for the respective account package) CASH DEPOSITS OVER THE COUNTER In HUF in foreign cash Banknote (in addition to the fee item listed in the Public Announcement on the fee items for the distribution of banknotes and coins) Banknote USD, EUR, GBP, CHF coin of min. denomination 1 (in addition to the fee item listed in the Public Announcement on the fee items for the distribution of banknotes and coins) Bulk deposit (in addition to points ) and )) STANDING, DEBIT DATE SPECIFIED AND GROUP TRANSFERS / COLLECTIONS STANDING AND DEBIT DATE SPECIFIED AD HOC ORDERS 1.0%, min. 1,040 HUF subject to casebycase agreement 0.75%, min. 1,040 HUF In addition to the fees related to ad hoc transfers initiated in a branch, relating to the bank account or account package, irrespective of the method of order. ta and social security liability in case of paper based format when increasing term deposit with a fied amount in other cases 110 HUF/pc 5.2 GROUP PAYMENTS (from HUF account, account package in HUF)** Domestic group transfer (per intragroup items) Interbank HUF transfers Intrabank HUF transfers Domestic group collection order (per intragroup items) Interbank collection, initiated item Interbank collection, credited item Intrabank collection, initiated item Intrabank collection, credited item Other service related to group payment methods (forwarding of message/authorization outside the bank) Commission charged to the paying party s bank account in case of group collection order For group collection received from outside the Bank, in addition to the fees pertaining to the branch ad hoc interbank transfer pertaining to the account For group collection received from within the Bank, in addition to the fees pertaining to the branch ad hoc intrabank transfer pertaining to the account 0.15%, min. 20 HUF 0.065% + 10 HUF 10 Ft 0.075%, min. 20 HUF 15 Ft 10 HUF + VAT / transaction 100 Ft 0 Ft OTP Bank Pl Page 12, total: 19

13 f f Issuing certification of group collection orders in a branch Recovery (recall) of amount of group transfers incorrectly fulfilled due to account owner s fault OTPDIREKT ELECTRA TERMINAL SERVICE Installation If installed by the Bank If downloaded by the client from the internet Software licence fee (8) Below 300 million HUF annual account turnover Over 300 million HUF annual account turnover Annual account turnover above 300 million HUF (for clients recontracted from client terminal) Modem rental Installation and software use for condominium managers, which represent at least 10 condominiums that keep their current accounts with OTP FOREIGN CURRENCY CHEQUE Cheque issued by OTP Bank Repurchase of undrawn OTPissued cheque Purchase of cheque Cheque received for collection Bounced cheque Purchase of cheque drawn on OTP DOCUMENTARY TRANSACTIONS PERFORMANCE EXPORT PROMPT COLLECTION Dispatching documents and/or bill of echange for collection Modification, cancellation of prompt collection 600 Ft 25,000 HUF / package + postage under the prevailing standard tariffs (free of charge in a promotion until withdrawn but latest by 31 December 2018) 40,000 HUF + VAT 10,000 HUF + VAT 1,000 HUF + VAT / software / month 700 HUF + VAT / software / month 730 HUF + VAT / month 0 HUF for Electra Terminal agreements concluded on or after 19 March %, min. 2,500 HUF, m 100,000 HUF 0.80%, min HUF 0.20%, min. 3,000 HUF, m 100,000 HUF Ft 500 Ft 0.20%, min. 7,000 HUF 6,000 HUF 8.2 f. g. h. i EXPORT LETTER OF CREDIT (including domestic HUF letters of credit) (9) Advising of letter of credit or advising of raise without assumption of obligation Certification of letter of credit (in addition to advising commission) Drawdown of letter of credit (inspection of documents, crediting) Advising of letter of credit modification (ecept raise) Transfer of letter of credit Keeping record of deferred payment Assignment of letter of credit Discounting of letter of credit with deferred payment Preliminary inspection of documents submitted for letter of credit IMPORT PROMPT COLLECTION (if the commission is borne by our client) Arrangement of import prompt collection (documents and/or bill of echange) Modification, cancellation Delivery of documents without payment IMPORT LETTER OF CREDIT (including domestic HUF letters of credit) (9)(10) Opening, raising letter of credit payable at OTP Bank Pl In case of full coverage Without full coverage Opening, raising letter of credit payable at a foreign bank or other Hungarian bank In case of full coverage Without full coverage 0.15%, min. 7,000 HUF, m 150,000 HUF Subject to casebycase agreement, depending on risk assumed by the opening bank 0.20%, min. 7,000 HUF 6,000 HUF 0.20%, min. 7,000 HUF 6,000 HUF/occasion 0.10%, min. 7,000 HUF Subject to casebycase agreement, depending on the risk of the opening bank 3,000 HUF/occasion 0.25%, min. 7,000 HUF Ft 0.20%, min. 7,000 HUF, m 100,000 HUF 0.25%, min. 7,000 HUF in addition to the fee specified in point 8.4., subject to separate agreement 0.30%, min. 7,500 HUF in addition to the fee specified in point 8.4., subject to separate agreement OTP Bank Pl Page 13, total: 19

14 f Arranging certification of letter of credit by foreign bank Drawdown of letter of credit (inspection of documents, payment) Modification of letter of credit (ecept raise) Keeping record of deferred payment GUARANTEE RECEIVED (including domestic foreign currency guarantee and international HUF guarantee) Advising of guarantee issued by another bank, advising of raise, validation of authenticity (without risk assumption) Advising of guarantee modification, ecept advising of raise (without risk assumption) Drawdown of guarantee Second guarantee (with risk assumption) GUARANTEE ISSUED (including domestic foreign currency guarantee and international HUF guarantee) Issue, raise of guarantee and advising of bill of echange Oneoff issuance commission Risk assumption fee Modification of guarantee (ecept raise) Management of drawn down guarantee CUSTOMS DESK SERVICE cost of certifying bank 0.20%, min. 7,000 HUF 6,000 HUF 6,000 HUF/occasion 0.15%, min. 7,000 HUF, m 150,000 HUF 6,000 HUF 0.20%, min. 7,000 HUF Subject to casebycase agreement, depending on the risk of the opening bank 0.25%, min. 8,000 HUF in addition to the fee specified in point 8.6., subject to separate agreement 6,000 HUF 0.20%, min. 7,000 HUF, m 100,000 HUF 10. Commission on services For cash deposit (in addition to the commission on the service) Commission on Internet service Issuing of ad hoc certification upon the request of the client, evidencing the payment of customs debt and customs security to the debit of the bank account OTHER SERVICES , 3.b, 3.c, 7. AND 8. POINTS RELATED SERVICES 0.46%, min. 600 HUF/item in the amount according to point %, min. 520 HUF/item 1,000 HUF / pc f. g Separate banker s correspondence, urging payments, modifying and deleting international transfers, correction of inaccurate orders Fee for forwarding photocopy of voucher (g. SWIFT photocopy) Fee for debit and credit notice relating to international payments Release of consignment dispatched to OTP s address/order Consultancy fee (letter of credit, drafting guarantee wording at the client s request) Obtaining bank information on client Modification, cancellation of orders MANAGEMENT OF CONTINGENT HUF ORDERS ON HUF ACCOUNT Ft 500 Ft 1,000 HUF / item 0.20%, min. 7,000 HUF 7,000 HUF Ft Ft 10.3 BILL OF EXCHANGE In case of queuing other than order of arrival Queuing in branch, other than compulsory queuing, based on agreement Queuing of oneoff transfers recorded via Electra Terminal, within a day (based on separate agreement concluded as from 1 July 2012) Bill of echange fee in case of protest Management fee for foreign currency bill of echange placed in safekeeping custody deposit 10.4 ONLINE SERVICE FOR RETRIEVAL OF ELECTRONIC COMPANY REGISTRY EXTRACT 1,570 HUF/pc 1,570 HUF/pc ( until 31 December 2018) 2,900 HUF/account/month ( until 31 December 2018) oneoff 0.30% HUF 5, For document size up to 20 kb For document size in ecess of 20 kb BANK INFORMATION Upon the written request of the account owner Account information disclosed for the purpose of auditing ISSUING AND MODIFYING CERTIFICATIONS 1,490 HUF/download 1,490 HUF up to 20 kb, 35 HUF/kB above 20 kb Subject to agreement, but min. 5,200 HUF / client / occasion Subject to agreement, but min. 5,200 HUF / client / occasion OTP Bank Pl Page 14, total: 19

15 10.7 Certificate of coverage Certification of placing of property collateral Other certification (g. eecution of transfer order, payment of ordinary share capital) CLIENT CORRESPONDENCE RELATED FEES Fee for branch retention Fee for renting deposit bo 0.104%, min. 1,500 HUF 0.104%, min. 1,500 HUF 1,570 HUF / pc 1,092 HUF / Account Owner / month 1,092 HUF / Account Owner / month 10.8 FEE FOR MAKING PHOTOCOPIES Accounting document, other banking document Other document related to account keeping Issue of account statement copy upon specific request 10.9 SCHEDULED BLOCKING ON FOREIGN CURRENCY ACCOUNT MAILING OF FOREIGN EXCHANGE RATES LIST POSTAGE ACTUALLY INCURRED SPECIAL ENTERPRISE SERVICES Employer product package services Employer product package Gold offering Employer product package Platinum offering Employer product package Diamond offering TRANSFER FEE FOR SUBSIDY DISBURSEMENT ACCORDING TO ACT CXVII OF 1995 ON PERSONAL INCOME TAX, ANNEX I, SECTION 2, SUBSECTION 2.7 (15) Subject to agreement, but min. 420 HUF / pc Subject to agreement, but min. 420 HUF / pc Subject to agreement, but min. 315 HUF / statement 2,500 HUF 500 Ft Mail post basic fee published by Magyar Posta Zrt. as applicable 3 million HUF / year 3 million HUF / year (promotion: until withdrawn) 3 million HUF / year (promotion: until withdrawn) 3.90% (in addition to the ad hoc, permanent, value date or group transfer fees) FEE FOR COPY OF TITLE DEED (in case of using TAKARNET) (18) LATE PAYMENT INTEREST RATE FOR THE PERIOD OF DEFAULT LATE PAYMENT OF OUTSTANDING FEES, COMMISSION AND COSTS In respect of HUF account In respect of foreign currency account FEES ARISING FROM CONDUCT NOT IN COMPLIANCE WITH THE AGREEMENT (for bank accounts and overdraft facilities) Debt management fee Correspondence fee In case of domestic address In case of foreign address DUE DATE OF FEES, COMMISSIONS AND COSTS According to the prevailing tariffs of TakarNet Interest rate of HUF overdraft facility prevailing at all times % 9.00% p. 600 HUF / month 600 HUF / mail 1,000 HUF / mail The following commissions, costs and fees are due to be paid monthly, on the last working day of the month (in the account keeping currency) in accordance with the conditions effective on the date of settlement: account keeping monthly fee, turnover special fee, intrabank HUF and foreign currency transfers, interbank domestic HUF ad hoc transfers, standing orders and ad hoc orders given with designated debit date, for group collection orders the commission charged to the bank account of the paying party, cash deposit over the counter in HUF, cash withdrawal over the counter in HUF, Electra software licence fee and modem rental fee, client correspondence related fees. Charging occurs based on the number of transactions eisting on the working day preceding the last working day of the month at the time of closing the account keeping system. Charging of the account keeping monthly fee occurs based on the account scheme eisting on the working day preceding the last working day of the month at the time of closing the account keeping system, to the respective account or, if agreed, to another (charging) HUF bank account of the client. The following commissions, costs and fees are due to be paid quarterly, on the last working day of the quarter (in the account keeping currency) in accordance with the conditions effective on the date of settlement: group payment related fees (ecept 5.2.e). Charging of the quarterly transaction costs occurs based on the number of transactions eisting on the working day preceding the last working day of the quarter at the time of closing the account keeping system, to the respective account or, if agreed, to another (charging) HUF bank account of the client. 13. In case of disbursing nonrepayable subsidy according to Act CXVII of 1995 on Personal Income Ta, Anne I, section 2.7., the 3.90% fee in addition to the ad hoc, standing, value date or group transfer shall be due to be paid on the last banking day of the month following the calendar quarter. The fee shall be charged in one amount per payment account, irrespective of the type and number of transactions. Fees for post office deposits are charged monthly, posteriorly, in one amount after the tenth working day of the month, based on the post office deposits made to the respective account in the previous month. Other fees, commissions, costs (not covered in sections a, b, c and d) are due to be paid (in the account keeping currency) when incurred, in accordance with the conditions effective on the date of settlement. Charging of OTPdirekt services fees occurs in accordance with the provisions of the public announcement entitled "Conditions list of OTPdirekt services for commercial banking clients", charging of debit card fees occurs in accordance with the provisions of the "Debit Card Terms of Business". APPLICATION OF EXCHANGE RATES RELATED TO PAYMENTS TURNOVER HUF ACCOUNT FOREIGN CURRENCY ACCOUNT FOREIGN CURRENCY ACCOUNT WITH CONVERSION OTP Bank Pl Page 15, total: 19

16 13.1 TRANSFERS IN HUF Intrabank transactions Crediting Debiting Domestic interbank transactions Crediting Debiting International interbank transactions Crediting b Debiting foreign currency purchasing rate foreign currency purchasing rate foreign currency purchasing rate 13.2 TRANSFERS, DOCUMENTARY TRANSACTIONS, GUARANTEES IN FOREIGN CURRENCY Intrabank transactions Crediting Debiting Domestic interbank transactions Crediting foreign currency purchasing rate reign trade foreign currency purchasing ra foreign currency purchasing rate / foreign currency purchasing rate / foreign currency purchasing rate / OTP Bank Pl Page 16, total: 19

17 Debiting International interbank transactions Crediting b Debiting foreign trade reign trade foreign currency purchasing ra foreign trade foreign currency purchasing rate / foreign currency purchasing rate / foreign currency purchasing rate / 13.3 TURNOVER DUE TO FOREIGN CURRENCY CHEQUES Crediting Debiting cheque purchasing rate cheque selling rate cheque purchasing rate / foreign currency selling rate foreign currency purchasing rate / cheque selling rate 13.4 CASH DESK TRANSACTIONS HUF cash deposits and withdrawals over the counter Crediting Debiting cheque purchasing rate Foreign cash deposits and withdrawals over the counter Crediting Debiting foreign cash purchasing rate foreign cash selling rate cheque purchasing rate / foreign currency selling rate foreign currency purchasing rate / cheque selling rate 14. INFORMATION ON THE GENERAL TERMS AND CONDITIONS OF THE PERFORMANCE OF THE INTERNATIONAL HUF AND FOREIGN CURRENCY, AS WELL AS DOMESTIC FOREIGN CURRENCY PAYMENTS The above published commissions apply to routine transactions only. Commissions on special transactions are subject to separate agreements. The commissions are charged in the currency of the account keeping, based on the foreign currency amount of the order, simultaneously with performing the service, based on the effective foreign trade foreign currency echange rate quoted by OTP Bank Pl In addition to the own commissions published, the foreign bank commissions as well as etra costs (courier service, DHL, TNT, et) are recharged to the clients. Imprecise and/or incomplete orders are kept on hold by the bank at the liability of the party giving the order until the details required for eecution are duly provide An order is considered as "missing data" if the destination of the payment transaction is a country where client accounts are identified with IBAN (International Bank Account Number) and/or banks are identified with BIC (SWIFT identifier), and the order fails to indicate these, and also if generally the data necessary for eecuting the payment (account, bank or other identifiers, or any supplementary information required by the recipient country) are not included or partially included in the order. For eecuting any order failing to include at least one of the referred identifiers or information, OTP Bank Pl may charge a surcharge as indicated in the applicable public announcement. In respect of the member states of the European Economic Area (EEA), as well as for the eecution of payment transactions to be performed in SEPA, it is required to indicate the international bank account number (IBAN) of the beneficiary and the BIC (SWIFT identifier) of the bank of the beneficiary. Any order not including the international bank account number of the beneficiary may be rejected by OTP Bank. Costs of transfers which could not be eecuted and were returned by foreign banks are to be borne by the ordering party at all times. Orders either paperbased or initiated through the OTPdirekt services which are submitted by 14:00 on a certain day are considered by OTP Bank Pl to be arrived on that certain day. Orders submitted after this point of time are considered to be submitted on the net banking day. SEPA transfers: may be initiated only in EUR currency, in respect of SEPA member states, if the bank of the beneficiary is a member of SEPA. SEPA transfers are credited to the account of the beneficiary latest on the 1st working day for orders submitted via an electronic channel, and on the 2nd working day for orders submitted in a paperbased format, after submitting the order. (Orders qualify as submitted on a respective day by 14:00.) SEPA member states: Austria, Belgium, Germany, Spain, Finland, France, Greece, Ireland, Italy, Luembourg, the Netherlands, Portugal, Denmark, Sweden, United Kingdom, Cyprus, Czech Republic, Estonia, Hungary, Lithuania, Latvia, Poland, Malta, Slovenia, Slovakia, Romania, Bulgaria, as well as Iceland, Liechtenstein, Norway, Monaco and Switzerlan Priority orders are posted for eecution by OTP Bank Pl with a value date being the first day following the current day. Euró Epressz orders are posted by OTP Bank Pl for eecution on the current day. Clients shall be required to give notice of priority transfers in ecess of 1 million in either USD, EUR, CHF or GBP currency on the day preceding the initiation of the transfer. The International Banking Operations General Department shall be informed of the notic Epress transfer to OTP Bank group members means that the beneficiary client account shall be credited within the same day. The current member banks of the OTP Bank Group are as follows: Slovakia OTP Banka Slovensko A.S., Bratislava Bulgaria DSK Bank EAD, Sofia Romania OTP Bank Romania S.A.., Bucharest Croatia OTP Banka Hvratska D.D., Zadar Ukraine JSC OTP Bank, Kijev Russia Joint Stock Company OTP Bank, Moscow Montenegro Crnogorska Komercijalna Banka AD, Podgorica Serbia OTP Banka Srbija A.D., Novi Sad OTP Bank Pl Page 17, total: 19