CIB BANK LTD. GENERAL TERMS AND CONDITIONS FOR BUSINESS AND OTHER ORGANISATIONS AND SOLE TRADERS VALID FROM: MARCH 01, 2011

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1 CIB BANK LTD. GENERAL TERMS AND CONDITIONS FOR BUSINESS AND OTHER ORGANISATIONS AND SOLE TRADERS VALID FROM: MARCH 01,

2 CONTENTS 1. GENERAL TERMS ACCOUNT MANAGEMENT AND PAYMENT SERVICES HUF domestic transfer Starting collections based on authorization letters, transfers upon the order of an authority. and collection orders due to former reason "2", under the legal title of Execution (starting HUF collection order) Management of HUF direct debit mandates Fees related to multiple direct-debits service Bank intermediation of post-office payment transactions FX transfer, HUF transfer abroad, SEPA transfer Other services Cash management services Electronic banking services Cash-desk transactions Escrow account services Statements, certificates, accounting documents, faxes, administration CIB Mobilbank CIB Margin account DOCUMENTARY SERVICES Documentary Collections Documentary Credits (letters of credit) Guarantees, sureties, certificates of cover, declarations of intent, undertaking to issue, stand-by Ls/C Cheques TERMS OF CREDIT TERMS OF DEPOSITS General terms of deposits FORINT AND FOREIGN CURRENCY-BASED BUSINESS BANK CARDS Forint-based MasterCard Business and forint-based Visa Business CIB Compact Business Card* MasterCard Gold / Forint-based MasterCard Gold /Euro-based MasterCard Gold/ US Dollar-based CARD ACCEPTANCE BUSINESS CREDIT CARD MasterCard Business Credit Card CIB Active Credit Card CIB INVESTMENT CUSTOMER ACCOUNTS RELATED TO INVESTMENT SERVICES

3 1. GENERAL TERMS 1. These Terms and Conditions are applicable together with the effective General Terms of Business of CIB Bank Ltd, and, in respect of sole traders, the General Terms of Contract of the Retail Division. The Bank reserves the right to amend these conditions at any time either in part or in full, within the limits determined in the General Terms of Business and subject to the conditions stipulated therein. The Bank shall inform its Customers about any changes to its Terms and Conditions by displaying them in its branches, and publishing them on the Bank s website ( and, in the instances defined in the General Terms of Business, it shall also inform its Customers of such changes directly. 2. For the purpose of these Terms and Conditions, business and other organisations are defined as economic associations, foundations, society, chambers, public benefit associations (until their transformation/dissolution), faith institutions, housing associations, condominiums and lawyers practicing in business partnerships, and, depending on the nature of their business activities, sole traders. These Terms and Conditions are only applicable to sole traders if expressly stipulated in the special terms and conditions pertaining to the product used by them. 3. The special terms and conditions for credit, deposit or account-management products offered to individual customer groups or standardised in any other manner are contained in separate terms and conditions, which make specific reference to whether the terms and conditions contained herein are applicable in respect of issues that are not regulated, or are regulated differently, in the product-specific terms and conditions. 4. Account management services 4.1. Changes between account management services are performed by the Bank in accordance with the following: If the Customer wishes to change account management service, then he or she must conclude a new account management contract. If the contract is concluded before the 15th (fifteenth) day of the given month, the monthly account management fee for the newly selected account management service will be charged with respect to the entire month. If the contract is concluded after the 15th (fifteenth) day of the given month, the monthly account management fee as per the bank account contract valid up to the 15th day of the given month will be charged for the entire month. With respect to the settlement of the transaction commission, the commissions of the account management service that apply up until the day that the new bank account management contract is concluded will be charged, while for all transactions executed from the day after the new bank account management contract is concluded, the commissions of the new account management service will be charged. The account management service may be changed just once in a given month. At least 14 (fourteen) calendar days must elapse between two changes of account management service The commissions specified herein apply to services and procedures that are not subject to a separate risk appraisal If the amount of a commitment refers to an approx. amount (or says about or circa ), the amount of the commission will be calculated in respect of the entire amount of the commitment The Bank reserves the right to only accept orders that are fully in compliance with its business policies, and the listed conditions shall be understood as referring only to such orders In addition to the listed commissions, the Customer s account, kept in the foreign currency that has been designated by the Customer on his order, is debited by any out-of-pocket expenses (postage, cable, telephone, fax and SWIFT charges etc.) incurred, as well as the commission and charges justifiably claimed by our correspondent banks, credit institutions or other institutions. (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.) 3

4 4.6. For services not listed in the Terms and Conditions including those provided at the Customer s special request we charge commission on the basis of a special agreement. We are pleased to provide information on this to our Clients. 5. Settlement of fees and commission in respect of all bank account services 5.1. Forint transfer commissions The Bank debits commissions on GIRO and intrabank HUF transfers at the end of the given month. The debiting covers the period between the last banking day of the previous month and the day immediately preceding the end of the given month. The Bank may under given circumstances depart from this practice. Commission on the cancellation/modification of bank-to-bank GIRO transfer orders is debited upon the execution of the order. Commission on RTGS HUF transfers is debited upon execution of the order. In the case of sole traders, the commission charged on GIRO transfers and intrabank HUF transfers is debited upon the execution of the order Fees charged for FX transfers The HUF equivalent of the commissions and (e.g. SWIFT) costs related to FX transfers, along with justified costs and commissions incurred by banks, financial institutions or any other institution involved in the execution of the transaction (e.g. additional fees charged for transfers that must be manually processed by them), is debited as and when such costs arise. In case of orders where the beneficiary is outside the EEA, or the currency of the order is not an EEA-currency, if the Customer does not agree to pay the foreign bank charges, the transferred amount will be credited to the beneficiary minus any charges that may arise at intermediating banks, which differ in their extent between banks. In the case of FX transfer orders, the amount blocked above 100% (in the case of an item that does not need conversion, + 0.3%, and in the case of an item that needs conversion, + 0.6% but at least the HUF equivalent of USD 30) comprises the arising commissions and charges Cash desk commissions The Bank debits cash desk commissions at the end of the given month, except for the cash desk commission on FX transactions, which is debited upon execution. The debiting covers the period between the last banking day of the previous month and the day immediately preceding the end of the given month. The Bank may under given circumstances depart from this practice. In the case of sole traders cash desk commission is debited upon the debiting of the amount of the transaction Fees, charges The Bank debits all fees and costs at the end of the given month, except for installation fees and fees for certifying payment of initial capital, fees that are subject to VAT, the fee charged for a failure to give notice of large cash withdrawals, and/or the fee charged for a failure to make the withdrawal after giving such notice, which fees are debited upon execution. The debiting covers the period between the last banking day of the previous month and the day immediately preceding the end of the given month Immediate debiting of commission The Bank has the right to change over to the immediate charging of commissions in the case of bank-account holders with regard to whom the amount of turnover commissions within a single month reaches or exceeds HUF In the case of immediate charging of commissions, the amount of commission on cash transactions is the same as the cash transaction commission 4

5 charged for the CIB Business Account, while the commission on other transactions corresponds to the commission specified for the given account management package. 6. Under the fee schedule contained herein the opening of a maximum of two current accounts may be requested; the opening of additional accounts is possible based on a special agreement. 7. The provisions of these Terms and Conditions must also be observed in all instances where reference is made to the list of terms and conditions for resident business associations. 8. The Bank s announcement (operational Annex 1 hereto) for the acceptance and execution of orders contains the execution order of individual orders. 5

6 2. ACCOUNT MANAGEMENT AND PAYMENT SERVICES The terms and conditions specified in this section correspond to those of the CIB BANK ACCOUNT accountmanagement package, as CIB Bank's basic account management package Account opening Opening balance Minimum HUF Account management fee (includes the use of electronic banking channels) 2.1. HUF domestic transfer Bank-to-bank GIRO transfer Monthly HUF /customer Paper-based order 1.8, min. HUF 500 CIB , min. HUF 400 BT, CIB Business Terminal 1.3, min. HUF 250 CIB Internet Bank, CIB WAP Bank/mobilCIB 1.3, min. HUF 250 Cancellation/amendment of bank-to-bank GIRO order Bank-to-bank RTGS HUF transfer Paper-based order, BT, CIB Business Terminal, CIB Internet Bank HUF 1 000/order 0.5 % min. HUF , max. HUF 100,000 Execution of collections based on authorization letters, transfers upon the order of an authority, and collection orders due to former reason "2", under the legal title of Execution (execution of incoming collection order) With GIRO transfer 0.8, min. HUF 200 With intrabank transfer 0 Intrabank HUF transfer Paper-based order 0.8, min. HUF 500 CIB , min. HUF 400 BT, CIB Business Terminal 0 CIB Internet Bank, CIB WAP Bank/mobilCIB 0.5, min. HUF 150 Transfer between customer s own accounts via any CIB banking channel Multiple HUF transfers (via electronic channels only: BT, CIB Business Terminal) Bank-to-bank (GIRO) transfer Intrabank transfer 0 HUF standing order Registration, amendment Paper-based order, CIB24 Orders submitted via electronic channels 0 Fee for each execution of the order 0 1, min. HUF 30/item HUF 1 000/order Via GIRO 0.8, min. HUF 200 Intrabank transfer 0.5, min. HUF 150 Between the customer s own accounts 0 Minimum turnover commission Díjnet bill payment Internet bank HUF / account / month Free of commission 6

7 2.2. Starting collections based on authorization letters, transfers upon the order of an authority. and collection orders due to former reason "2", under the legal title of Execution (starting HUF collection order) Credited to an account kept at CIB Bank HUF Management of HUF direct debit mandates Recording, amendment, cancellation Special administration, document checking 2.4. Fees related to multiple direct-debits service (debited on the collector side, settled at the end of the given month) HUF 1 000/mandate HUF /mandate Multiple direct-debit registration fee HUF (one-off fee payable in the event of a new collector) If the obligor s account (to be debited) is not kept at CIB Bank Ltd Discounted fee for multiple direct debits HUF 8/item Fee for multiple direct debits in the case of fulfilment 0.15, min. HUF 20/item If the obligor s account (to be debited) is kept at CIB Bank Ltd Discounted fee for multiple direct debits HUF 2/item Fee for multiple direct debits in the case of fulfilment 0 Account debiting fee for multiple direct debits (debited from the payer s account, settled at the end of the given month) HUF 100/item 2.5. Bank intermediation of post-office payment transactions Cash transfer Paper-based order 1 Orders submitted electronically 0.5 Paper-based daily sub-ledger report Electronic daily sub-ledger report (BT, CIB Internet Bank, CIB Business Terminal) Redirection of cash transfers made to closed accounts Disbursement orders Paper-based order 2 Orders sent via BT, CIB Business Terminal 1 Monthly HUF /client 0 HUF 1 000/item Orders sent via CIB Internet Bank 0.75 Cancellation/amendment HUF 1 000/order 2.6. FX transfer, HUF transfer abroad, SEPA transfer Bank-to-bank FX transfer, HUF transfer abroad Paper-based order, CIB24 2, min. USD 20 BT, CIB Business Terminal 1.15, min. USD 20 CIB Internet Bank 1.15, min. USD 20 Intrabank FX transfers Paper-based order, CIB24 1, min. USD 20 BT, CIB Business Terminal 0 CIB Internet Bank 0 FX transfer between customer s own accounts 0 Minimum transaction commission for foreign currency accounts SWIFT transfer charge (foreign currency transfer, HUF transfer abroad) monthly HUF 5 000/account 7

8 Paper-based order, CIB24 BT, CIB Business Terminal CIB Internet Bank Crediting of incoming FX items If the charges are borne by the beneficiary If the charges are borne by the payer If the charges are borne by the payer, where the payer and the beneficiary are the same business association Crediting FX transfer between bank accounts kept by CIB 0 USD 5/SWIFT message USD 5/SWIFT message USD 5/SWIFT message 0.7, min. 5 USD, max. 150 USD 0.7, min. 5 USD, max. 150 USD 0.7, min. 5 USD, max. 150 USD If the payer does not specify an IBAN/GIRO-format account number as the beneficiary account number, the Bank shall charge the payer the sum of USD 10/GBP 6/CHF 10/EUR 7, depending on the currency of the given transfer. Urgency fee in the case of T+1 day fulfilment USD 50 Urgency fee in the case of T day fulfilment (only in EUR, USD, GBP, CAD currency) Clarification, amendment, cancellation of orders being processed USD 50 HUF Cancellation of executed order (withrawal) USD 30 Clarification of executed inaccurate orders USD 30 Additional fee for orders for electronically submitted FX transfer or FX book transfer orders that require manual processing 2.7. Other services Conversion Queuing of non post-dated HUF or FX transfer orders for which sufficient funds are available in the account 2.8. Cash management services USD 10 Costs are incorporated into the exchange rate Daily HUF 100/item Cash pool set-up fee HUF 5 000/account, max. HUF Cash pool monthly fee Receipt of outgoing transfer order (MT101 message) via SWIFT. (One-off set-up fee. The fee for execution of the order is included in the relevant transfer fees.) 2.9. Electronic banking services Monthly HUF /account HUF From March only BT (former name: SBT) terminals can be provided. The terms and conditions of the CIB Business terminal apply only to customers who have an operational CIB Business Terminal on February 28 th Hereinafter: existing CIB Business terminal. Business Terminal (BT) and CIB Business Terminal Fee for the installation of the BT and provision of training by CIB Delivery of the installation package for BT Allocation to an existing endpoint in the case of BTs and existing Business Terminals Installation on additional computers and/or training in the case of BT Fee for reinstallation and software transfer performed by CIB HUF HUF 5 000/package HUF 5 000/client HUF HUF 5 000/hour 8

9 Fee for troubleshooting, problem solving performed by CIB (for already existing endpoints) BT signature tool usage fee Fee for replacing signature tool HUF VAT/hour monthly HUF 250 /client HUF 5 000/piece Replacement of installation package HUF Set-up of group transfers HUF Set-up of postal payment check HUF CIB internet-based Electronic Services (CIB Internet Bank, CIB WAP Bank/mobilCIB) Registration fee (only payable upon first application for service) Fee for modification of internet-based electronic services (at branch or via CIB24)* Security SMS notification of logins, blockings 0 HUF Monthly fee**/user for token usage HUF 200 One-off fee for first requested token, per user 0 One-off fee for token replacement* (in the event of loss/theft/damage) HUF 1 000/modification HUF *The fee is charged if an internet-based electronic service is requested under the existing contract for new user(s) or the installation of a new channel is requested in addition to the existing electronic service (e.g. mobilcib service is requested in addition to the existing CIB Internet Bank). **Use of the Token is obligatory Cash-desk transactions Cash depositing Depositing HUF into a HUF account 0.75, min. HUF 100 Depositing HUF into a foreign-currency account 1, min. HUF 250 Depositing foreign currency (notes only) into a foreign currency account of the same currency Depositing foreign currency (notes only) into another account Cash withdrawal 0.3 % 0.3 % In HUF from a HUF account 2.5 min. HUF 350 In HUF from a foreign-currency account 2.5 min. HUF 350 In foreign currency from a foreign currency account (of the same currency) 1 % min. HUF 400 In foreign currency from another account 1 % min. HUF 400 Depositing and withdrawal of coins (HUF only) 3 % Use of 24-hour automatic depositary 0 Bulk cash deposit 0 Price of security sacks for bulk cash depositing Small HUF 50 Large HUF 100 Exchange of denominations for a fee (transaction not recorded in a bank account) Banknotes - banknotes 1 % Banknotes - coins 3 % Coins - banknotes 3 % Other conditions and fees related to branch cash withdrawals Advance notice of large withdrawals: 9

10 Requests to make cash withdrawals of HUF 1 million to HUF 10 million (USD/EUR , or in the case of other currencies traded by the Bank, up to the equivalent of USD with no lower limit) must be submitted to the Bank on the banking day preceding the day of the withdrawal, and requests to make cash withdrawals of over HUF 10 million (USD/EUR or the equivalent of USD in any other currency traded by the Bank) must be submitted to the Bank on the banking day preceding the day of the withdrawal by two working days, by 3 pm on Monday-Thursday and by 2 pm on Friday, either verbally (by telephone, via CIB24/in person), or in writing. 1 working day in advance 2 working days in advance HUF EUR, USD Other , ,- Up to the equivalent of USD Over Over Over the equivalent of USD Fee for failure to give advance notice or to withdraw the amount requested in advance: 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. Special fee charged in the case of sums in excess of HUF 1 million (or the equivalent of this amount in another currency): HUF /withdrawal. Depositing of scrapped currency The charge for depositing scrapped currency into a HUF or foreign-currency account (CIB Bank only accepts banknotes): 10% of deposited amount Conversion In the case of cash desk transactions that require conversion, we apply the foreign exchange rates. Authentication The dated and properly completed cash withdrawal slip must be authenticated with a signature that matches the sample signature recorded at the Bank. In the absence of such authentication the Bank does not make cash payments. Proxy In the case of cash withdrawals made by proxy the name of the proxy-holder and the number of his/her personal identification document must be indicated. The validity period of ad-hoc proxies: date of issue + 2 banking days Escrow account services General escrow service Escrow account opening fee Based on agreement, or in the absence of such: HUF /account Escrow account opening fee monthly HUF 3 000/account The Bank, based on the terms and conditions to be set forth in the escrow agreement especially with regard to the conditions for release of the deposit may decide at its own discretion whether to perform the escrow account management. Special escrow accounts Lawyer s escrow account Account opening fee Account management fee Other, statutory escrow deposits (e.g. management of sums to be placed in escrow by recruitment consultancies, debt collection agencies, etc. in order to fulfil their statutory obligations) Account opening fee Account management fee monthly HUF 200/account 10

11 2.12. Statements, certificates, accounting documents, faxes, administration Paper-based bank account statements The Bank provides bank account statements to its Clients in 1 copy, free of charge. In accordance with the Bank s General Terms and Conditions, if the agreement between the Client and the Bank doesn t specify sending the statement by post, the Bank retroactively provides the statements concerned free of charge for 6 months at the most. If a CIB Business Terminal is associated with the account Monthly*, If a CIB Business Terminal is NOT associated with the account Daily**, Daily bank statement via electronic channel Bank statement by special request, retrospectively HUF 500/statement Post box rental service 1600 HUF+VAT / month Bank statement sent by SWIFT (MT940) HUF /month Balance information sent by SWIFT (MT941) HUF /month Account turnover information sent by SWIFT (MT942) HUF /month Account history statement with respect to a period beginning more than three months ago at special request HUF 2 000/month on paper, disc, via BT or . Certificate, copy of SWIFT message, in respect of a transfer made more than three months ago HUF or USD 10 Certificate, copy of SWIFT message, in respect of a transfer made less than three months ago HUF or USD 5 Copies of SWIFT message HUF or USD 5 Itemised list of commission and interest charged HUF 1000/list Certificate issued to the customs and excise service (VPOP) HUF 100 Certificate on payment of initial capital HUF Other certificates/receipts HUF 500/page Audit confirmation letter HUF VAT Photocopying of company documents for the opening of a company account HUF VAT/document Bank information with confirmation of account turnover HUF Bank information without confirmation of account turnover HUF Other certificates HUF Certificates forwarded by 1 USD Fax charges (per page) Budapest, Hungary USD 1 or HUF 200 Within Europe USD 2 or HUF 400 Outside Europe USD 3 or HUF 600 Charge for the sending of exchange rates by fax HUF 2 000/month Administration fee In the event of a failure to comply with a data reporting obligation based on prior agreement with the customers HUF /document procurement of publicly available data. *The statements are prepared and available electronically on a daily basis, but are posted once a month. **If transactions are executed on the account on the given day. The Bank sends the bank statements at the intervals specified in the prevailing statutory provisions on payment transactions; this frequency may be departed from by mutual agreement. 11

12 2.13. CIB Mobilbank Account monitoring system Monthly subscription fee for incorporated business entities HUF 100/month SMS text messages regarding debits and credits on the HUF39/message account for incorporated business entities Card monitoring system Monthly subscription fee for incorporated business entities free SMS text messages regarding transactions made with a CIB HUF 20/message* bank card for incorporated business entities Fee for changing settings** HUF 1 000/modification The settlement of itemised fees, by debiting from the HUF account, takes place on the day of sending of the message. The monthly subscription fees are debited from the HUF account on the first day of use of the service in the first instance, and then on the same day of every subsequent month. The CIB Mobilbank monthly subscription fee applies per telephone number. *As part of a special offer, the Bank will waive the fee until June 30, **The fee is charged if the installation of a new card or account monitoring system is requested to the existing mobile bank service CIB Margin account The CIB Margin account is a segregated, restricted-purpose collateral cash account that may only be kept in forint, created specifically for the depositing of cash collateral related to the Bank s margin-settlement currency transactions. A prerequisite for opening a CIB Margin account is the holding of another bank account at the Bank. Account opening Opening balance None Account-keeping fee Transfer from customer s current account to the Margin account Transfer from Margin account to the customer s own current account Interest rates Interest on HUF account Current account interest rate specified in the Interest Notice. The settlement of interest is performed based on the daily closing balances, at the end of each month. Interest on unauthorised overdraft, default interest As per the Interest Notice on fees and commissions The settlement of interest is performed based on the daily closing balances, at the end of each day. Bank statement At the intervals specified for the given bank account. Transactions that can be initiated from the CIB Margin account: Intrabank HUF transfer to the Customer s current account kept at CIB Bank. Transactions that can be initiated to the CIB Margin account: Intrabank HUF transfer from the Customer s current account kept at CIB Bank, via any CIB banking channel Crediting of incoming HUF transfer (GIRO, RTGS) Other financial transactions can be performed from the current account, at the terms and conditions applicable to the current account. 12

13 3. DOCUMENTARY SERVICES 3.1. Documentary Collections Clean Collection containing financial documents (bill of 3 min. USD 40 exchange or draft) only without commercial documents Documentary collection (delivery of documents against 2.5 min. USD 40 payment or acceptance) Release of goods sent to our address or held at our disposal 4 min. USD 40 Acceptance held in custody 1 min. USD 40 Giving security for accepted bill of exchange (aval) 1.5 / month, min. USD 100/month Delivery of documents free of payment 1.5 min. USD 40 Issue of payment confirmation USD 10 Amendment to collection order USD 40 Handling of amended maturity date USD 40 Further handling of unpaid items more than 60 days old, USD 60 monthly Withdrawal or cancellation of a collection order USD 75 Consultation fee USD 40 or HUF Documents delivered by hand instead of by mail USD 50 In addition to the above fees the Bank charges any arising costs separately. In case of collections to be settled in foreign currency the blocked amount has to cover the commissions and charges and the risk of exchange rate movements as well. For items not to be converted + 0.5%, for items to be converted + 1% but in any case the HUF equivalent of USD 30 min. will be blocked above the amount of collection Documentary Credits (letters of credit) Preliminary advice USD 50 Transmission of L/C to another bank for further handling 2 min. USD 50 Advising a credit (without confirmation) 1.5 min. USD 50 Confirmation for up to 12 months charged over advising commission for the whole commitment period per month subject to case by case agreement or part thereof Acceptance in case of deferred payment obligation, for up to 12 months charged for the whole commitment period per subject to case by case agreement month or part thereof Discounting of counter value of documents under export, subject to case by case agreement deferred-payment letters of credit Opening a credit or undertaking a commitment for up to 12 months charged for the whole commitment period per month or part thereof Opening a credit without cash collateral 1.2 / month, min. USD 50/month In addition to the above fees subject to case by case agreement Opening a credit or undertaking a commitment handled with priority USD 250 (in addition to the above fees) Non-standard orders with excessive details (charged to the applicant s account) USD 100 (in addition to the above fees) Amendment including cancellation of the commitment or modification of the payment order or collateral (other than USD 50 increase or extension which attracts ad valorem commission) Withdrawal or cancellation of instructions (for issuing, 1, min. USD 50 13

14 modifying or payment) Handling or taking up documents and/or effecting payments without documents Documents delivered by hand instead of by mail (except for 2 min. USD 50 USD 50 those that are handled with priority) Endorsement of bill of exchange or other document of title USD 50 Handling of discrepant documents (except in case L/C amount is overdrawn and/or L/C expired) under letters of credit opened by our Bank (charged to the beneficiary s account) Fee for L/C amount is overdrawn or L/C expired USD 100 USD 150 (in addition to fee for handling of documents) Release of goods sent to our address or held at our disposal Transferring a credit or part thereof 4, min. USD min. USD 50 Assignment 2, min. USD 100 or min. HUF Maturity control for payments under deferred payment credits USD 50 Handling of amended maturity date USD 40 Tracer / inquire fee (first free) USD 20 / item Consulting fee (preparing draft versions, documents checking USD 50 or HUF before presentation, consultation) In addition to the above fees the Bank charges any arising costs separately. In case of documentary credits to be issued in foreign currency the blocked amount has to cover the commissions and charges and the risk of exchange rate movements as well. For items not to be converted +2%, for items to be converted +20% will be blocked above the amount of undertaking. We reserve the right to apply different rate for commitments over 12 months. For HUF items we calculate the commissions stated in HUF regardless of the currency of the account to be debited.issuing or handling an item within 24 hours involves a fee for handling with priority, if the order is received by the Documentary Services by 9 am on the day of administration provided that all documents and collateral are simultaneously available, and that the transaction has been approved Guarantees, sureties, certificates of cover, declarations of intent, undertaking to issue, stand-by Ls/C (In HUF and foreign currency) Advising/registration/authentication 1.5 min. USD 100 or min. HUF Registration/authentication/handling of received guarantees, USD 100 or HUF 20,000 flat fee sureties representing cover of an undertaking Cancellation USD 100 or HUF flat fee 1.2 / month, min USD 100/month or Issuing fee, charged for the whole commitment period min. HUF /month Without cash collateral In addition to the above fees subject to case by case agreement in case of commitment over 12 months Subject to case by case agreement Undertaking a commitment handled with priority In addition to the issuing fee, USD 500 or HUF Undertaking a commitment in two languages In addition to the issuing fee: USD 150 or HUF Withdrawal or cancellation of instructions for issuing USD 100 or HUF Claim, payment, handling and checking documents 2 min. USD 100 or min. HUF Advising/registration of assignment 1 min. USD 100 or min. HUF Amendment including modification of collateral (other than USD 100 or HUF increase or extension which attracts ad valorem commission) Conditional payments 3 min. USD 100 or min. HUF

15 3, min. USD 100 or min. HUF Certificate of cover max. USD or HUF Amendment to certificate of cover USD 75 or HUF flat fee 3, min. USD 100 or min. HUF , max. Declaration of intent, undertaking to issue a guarantee USD or HUF Consulting fee (preparing draft versions, documents checking USD 250 or HUF before presentation, consultation) In addition to the above fees the Bank charges any arising costs separately. In case of guarantees to be issued in foreign currency the blocked amount has to cover the commissions and charges and the risk of exchange rate movements as well. For items not to be converted +2%, for items to be converted +20% will be blocked above the amount of undertaking. We reserve the right to apply different rate for commitments over 12 months. For HUF items we calculate the commissions stated in HUF regardless of the currency of the account to be debited..issuing or handling an item within 24 hours involves a fee for handling with priority, if the order is received by the Documentary Services by 9 am on the day of administration provided that all documents and collateral are simultaneously available, and that the transaction has been approved Cheques Cheque issuing Cheques issued by CIB, per cheque 1.5, min. USD 35 + USD 15 Stop payment USD 10 Cheque collection (procedure takes min. 20 banking days) / Handling of unpaid cheques Below USD 200 USD 10 USD 200 USD 500 USD 20 Above USD min. USD 30 Cheque collection in a currency not quoted by CIB 3 min. USD 50 Cheque drawn on CIB. Crediting the cover of a cheque USD 0 Transfer the cover for a cheque USD 10 In case of cheques to be issued in foreign currency the blocked amount has to cover the commissions and charges and the risk of exchange rate movements as well. For items not to be converted +0,3%, for items to be converted +0,6% but in any case the HUF equivalent of min, USD 50 will be blocked above the amount of cheque When sending foreign-currency cheques, accepted for collection, to the paying bank, the equivalent of EUR 100 is blocked in the currency of the cheque covering the Bank s commission as well as any foreign bank s charges. Upon receipt of the cheque s counter value the actual bank charges shall be deducted from the blocked amount and the remaining balance of blocking shall be released. If the account balance is less than EUR 100 or its equivalent in another currency the Bank will be unable to execute the cheque collection order. The execution of cheque collection orders takes a minimum of 20 banking day 15

16 4. TERMS OF CREDIT The lending fees specified below are for guidance only. The precise fees charged for specific transactions are specified in the applicable loan agreement. Credit appraisal free (in the case of disbursement, counts towards the contract signing fee or administration charge) Disbursement commission Standby fee: Administration charge/project inspection fee Prepayment fee (in the case of voluntary prepayment, before the end of the given interest period, charged on the amount of the prepayment) Contract amendment fee Turnover shortfall commission Valuation fee 0.5 % min. HUF / appraisal Specified in the agreement, or in the absence of such: HUF /disbursement As per the agreement As per the agreement Specified in the agreement, or in the absence of such: 1% /prepayment Specified in the agreement, or in the absence of such: 1% /contract As per the agreement Based on the fees of the valuators specified by the Bank Querying of title deed Via Takarnet system HUF / reg. no. or address At land registry office HUF / reg. no. or address Outline map Querying of MOKK certificate Central Credit Information System (CCIS) query initiated by Customer (free of charge once every 12 months) Extension fee Contract signing fee Monitoring Monitoring fee (debtor monitoring) Special monitoring fee (debtor monitoring) Monitoring fee for the pre-financing of agricultural subsidies Monitoring fee for credit secured on public warehouse bonds Fee for the replacement of public warehouse bonds Credit promissory note Interest on credit Default interest (annual) HUF / reg. no. or address HUF 5 000/ query HUF / query Specified in the agreement, or in the absence of such: 0.5% / extension As per the agreement Specified in the agreement, or in the absence of such HUF /quarter Specified in the agreement, or in the absence of such HUF /occasion Based on agreement, or in the absence of such: HUF 5 000/month Specified in the agreement, or in the absence of such: HUF /occasion HUF /occasion As per the agreement As per the agreement 6% (in addition to the transactional rate) Interest on unauthorised overdraft HUF accounts Twice the prevailing NBH base rate Foreign currency accounts 1-week LIBOR + 6% p.a. Default interest on fees and commissions HUF accounts Twice the prevailing NBH base rate Foreign currency accounts 1-week LIBOR + 6% p.a. 16

17 CIB PRIME RATE The Bank determines the CIB Prime Rate on the basis of the following calculation method: HUF BUBOR (1 month) % EUR EURIBOR (1 month) % CHF LIBOR (1 month) % USD LIBOR (1 month) % The review of the CIB Prime Rate takes place on the first workday of each calendar month on the basis of the mathematical average of BUBOR/EURIBOR/LIBOR data of the previous calendar month. A prompt review takes place on the basis of actual BUBOR/EURIBOR/LIBOR values in case the change in any direction of actual EURIBOR/LIBOR exceeds 25 basis points compared with the average EURIBOR/LIBOR employed at the last review or, respectively, the same change exceeds 50 basis points in case of BUBOR. The Bank always approximates the calculated CIB Prime Rate values to the first decimal. 17

18 5. TERMS OF DEPOSITS 5.1. General terms of deposits Publication of interest rates CIB publishes its sight and fixed-term deposit interest rates in the Forint and Foreign Currency Interest Notice for Business and Other Organisations in the daily financial newspapers Napi Gazdaság and Világgazdaság, and on its website at Termination of fixed-term deposits a) Premature termination of HUF fixed-term deposits In the case of corporate HUF fixed-term deposits the Bank terminates the fixed-term deposit at the time requested by the Customer, and applies the current-account sight interest rate published in the Interest Notice. In the case of incomplete months, the interest on the deposit is 0% from the starting or rollover date. In the event of premature termination of a CIB Electronic Deposit, the interest on the deposit is 0% from the starting or rollover date. b) Partial termination of a HUF fixed-term deposit In the case of a corporate HUF fixed-term deposit, the interest calculated at the current account rate pertaining to HUF bank accounts, valid at the time of termination and published in the interest notice, is payable on the terminated part of the deposit. In the case of incomplete months, the interest on the terminated part of the deposit is 0% from the starting or rollover date. The non-terminated part if this is at least the minimum amount necessary for deposit-fixing continues to earn interest at the rate applicable to the given amount and term, from last rollover date. If the non-terminated part is less than the minimum amount necessary for deposit-fixing, then the entire deposit must be deemed terminated, and the Bank proceeds in accordance with point a) above. The partial termination of corporate HUF fixed-term deposit is only personal in person at a branch of the Bank, or by telephone. It is not possible to partially terminate a CIB Electronic Deposit. c) Premature termination of foreign-currency fixed-term deposits On the second banking day after receiving the Customer s written request, the Bank terminates the fixed-term deposit, and when calculating the interest applies the current-account rate published in the Interest Notice in respect of the given currency, valid at the time of the deposit s termination. It is not possible to partially terminate a foreign-currency deposit. 18

19 6. FORINT AND FOREIGN CURRENCY-BASED BUSINESS BANK CARDS 6.1. Forint-based MasterCard Business and forint-based Visa Business Annual membership fee per card HUF Transaction fees and commissions: Purchases a) in Hungary b) abroad Cash withdrawal in branch a) at CIB Bank b) at third-party bank in Hungary c) at third-party bank abroad ATM use a) CIB b) other bank in Hungary - CIB Bank Account, CIB Business Account, CIB Electronic Business Account, CIB Premium Account, CIB Micro Business Account, CIB Bázis Business Account, CIB Partner Account, CIB Piccolo Account c) abroad 2.5, min. HUF , min. HUF 350 HUF HUF /transaction HUF /transaction 10, min. HUF 1 000/transaction Storage fee for unclaimed cards 1 HUF 250/month Blocking HUF Replacement HUF PIN replacement HUF 500 Urgent card replacement (abroad) USD 250 Urgent cash withdrawal (abroad) USD 175 Fee for cancellation of expedited procedure USD 50 Default limits 2 Daily cash withdrawals Daily purchase HUF HUF Cardholders are automatically covered by Chartis travel and accident insurance. Transactions executed in a different currency from that of the card account are converted by the international card companies, at the exchange rate quoted by them on the given day, into the settlement currency used between the card company and the Bank (USD or EUR); and this amount, increased by the fees specified in the card companies fee calculation regulations, shall be debited from the Bank s settlement account, which amount the Bank shall convert to the currency of the card account at the exchange rate defined in the List of Terms and Conditions valid on the day of settlement, and shall settle against the account. 19

20 If the currency of the transaction (in the case of USD, EUR or HUF) matches the currency of the account, then no conversion is performed. If the currency of the account is not HUF and the currency of the transaction differs from the currency of the account, then the conversion is performed not at the cross rate but at the FX sell rate, and the converted amount is converted to the currency of the account at the FX buy rate, at the exchange rates valid on the day of settlement. - For withdrawals of cash from ATMs operating within the territory of Hungary but dispensing currencies other than HUF, the Bank charges the fee for cash withdrawals abroad. - CIB Bank s ATMS dispense a maximum of 20 banknotes per transaction, in a maximum value of HUF , taking into account the stock of banknotes, and their denominations, in the ATM at any given time. The interest terms for separated card accounts are the same as the prevailing interest terms for current accounts. 1 The fee will be debited from the 2 nd month after the card issuing. 2 These may be changed at any time via CIB24, CIB Internet Bank, CIB WAP Bank/mobilCIB, or at the Customer s written request in a branch of the Bank. 20

21 6.2. CIB Compact Business Card* Forint-based MasterCard Unembossed card, for resident incorporated business entities Annual membership fee per card - First year s card fee for the Bázis, Non-Profit Classic and Non-Profit Plusz account package Transaction fees and commissions: Purchases a) other bank in Hungary b) abroad Cash withdrawal in branch a) at CIB Bank b) at third-party bank in Hungary c) at third-party bank abroad ATM use a) CIB b) in Hungary - CIB Bank Account, CIB Business Account, CIB Electronic Business Account, CIB Premium Account, CIB Partner Account, CIB Piccolo Account - CIB Micro Business Account, CIB Bázis Account c) abroad Storage fee for unclaimed cards 1 HUF , min. HUF , min. HUF 500 HUF HUF %/transaction HUF /transaction 10, min. HUF 1 000/transaction HUF 250/month Blocking HUF Replacement HUF PIN replacement HUF 500 Urgent card replacement (abroad) USD 250 Urgent cash withdrawal (abroad) USD 175 Fee for cancellation of expedited procedure USD 50 Default limits 2 Daily cash withdrawal HUF Daily purchase HUF The fee will be debited from the 2 nd month after the card issuing. 2 These may be changed at any time via CIB24, CIB Internet Bank, CIB WAP Bank/mobilCIB, or at the Customer s written request in a branch of the Bank. *The terms and conditions of the Cirrus Maestro cards taken over from Inter-Európa Bank correspond to those of the CIB Compact Business Card. - Transactions executed in a different currency from that of the card account are converted by the international card companies, at the exchange rate quoted by them on the given day, into the settlement currency used between the card company and the Bank (USD or EUR), and this amount, increased by the fees specified in the card companies fee calculation regulations, shall be debited from the Bank s settlement account, which amount 21

22 the Bank shall convert to the currency of the card account at the exchange rate defined in the List of Terms and Conditions valid on the day of settlement, and shall settle against the account. If the currency of the transaction (in the case of USD, EUR or HUF) matches the currency of the account, then no conversion is performed. If the currency of the account is not HUF and the currency of the transaction differs from the currency of the account, then the conversion is performed not at the cross rate but at the FX sell rate, and the converted amount is converted to the currency of the account at the FX buy rate, at the exchange rates valid on the day of settlement. - For withdrawals of cash from ATMs operating within the territory of Hungary but dispensing currencies other than HUF, the Bank charges the fee for cash withdrawals abroad. - All bank card transactions performed in post offices in Hungary qualify as cash withdrawals from a third-party bank, and are charged accordingly. - The card may be associated with a current account or a separated card account, as selected by the Customer. The interest terms for separated card accounts are the same as the prevailing interest terms for standard current accounts. - Optional travel insurance is available with the card, at a premium of HUF p.a. - CIB Bank s ATMS dispense a maximum of 20 banknotes per transaction, in a maximum value of HUF , taking into account the stock of banknotes, and their denominations, in the ATM at any given time. 22

23 6.3. MasterCard Gold / Forint-based Annual membership fee per card HUF Transaction fees and commissions: Purchases a) other bank in Hungary b) abroad Cash withdrawal in branch a) at CIB Bank b) at third-party bank in Hungary c) at third-party bank abroad ATM use a) CIB b) other bank in Hungary c) abroad Storage fee for unclaimed cards 1 2.5, min. HUF , min. HUF 350 HUF HUF /transaction HUF /transaction 10, min. HUF 1 000/transaction HUF 250/month Blocking HUF Replacement HUF PIN replacement HUF 500 Urgent card replacement (abroad) USD 250 Urgent cash withdrawal (abroad) USD 175 Fee for cancellation of expedited procedure USD 50 Default limits 2 Daily cash withdrawal HUF Daily purchase HUF The fee will be debited from the 2 nd month after the card issuing. 2 These may be changed at any time via CIB24, CIB Internet Bank, CIB WAP Bank/mobilCIB, or at the Customer s written request in a branch of the Bank. - Transactions executed in a different currency from that of the card account are converted by the international card companies, at the exchange rate quoted by them on the given day, into the settlement currency used between the card company and the Bank (USD or EUR), and this amount, increased by the fees specified in the card companies fee calculation regulations, shall be debited from the Bank s settlement account, which amount the Bank shall convert to the currency of the card account at the exchange rate defined in the List of Terms and Conditions valid on the day of settlement, and shall settle against the account. If the currency of the transaction (in the case of USD, EUR or HUF) matches the currency of the account, then no conversion is performed. If the currency of the account is not HUF and the currency of the transaction differs from the currency of the account, then the conversion is performed not at the cross rate but at the FX sell rate, and the converted amount is converted to the currency of the account at the FX buy rate, at the exchange rates valid on the day of settlement. - For withdrawals of cash from ATMs operating within the territory of Hungary but dispensing currencies other than HUF, the Bank charges the fee for cash withdrawals abroad. - All bank card transactions performed in post offices in Hungary qualify as cash withdrawals from a third-party bank, and are charged accordingly. - The card is associated with a separated card account. The interest terms for separated card accounts are the same as the prevailing interest terms for standard current accounts. - CIB Bank s ATMS dispense a maximum of 20 banknotes per transaction, in a maximum value of HUF , taking into account the stock of banknotes, and their denominations, in the ATM at any given time. - Cardholders are automatically covered by Chartis travel and accident insurance. 23

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