The first Premium Banking service in Romania. From now on the world really revolves around you!

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1 The first Premium Banking service in Romania. From now on the world really revolves around you!

2 What does Premium Banking package mean to you? Your prize, the Premium Banking package! Because we want you to benefit from services tailored to your needs, we created an extensive package that gives you access to a personal banker, exclusive debit and credit cards, the mobility of transactions made from anywhere via mobile and internet banking, as well as complete insurance for you and your family. Which are the benefits of Premium Banking package? Simplicity we have eliminated the cost for a wide range of cash transactions and bank transfers as well as for the access to various banking products and services. Raiffeisen Bank acknowledges the value of its customers and offers you the possibility to benefit from zero monthly fee for the Premium Banking package.? We are here for you For more information about the Premium Banking package, please contact us at the number dedicated to premium customers, , or we invite you in our agencies to discuss more with your personal banker. Choose the Premium Banking package now. Comfort you have various ways for permanent access to your accounts and carrying out transactions in safety and comfort, such as: internet and mobile banking, MasterCard Gold Premium contactless debit card, remote trading services and SMS alerts. Exclusivity you benefit free of charge, for life, from the MasterCard Gold credit card, which you can use anywhere in the world, even for interest free installment payments. In addition, the card includes a complete travel insurance package for you and your family, without activation condition. Efficiency the monthly cost of the package is unique and can be zero.

3 Benefits Cost MasterCard Gold contactless credit card in RON Annual fee, if the preferential pricing policies for the Premium Banking package are met on a monthly basis MasterCard Gold Premium contactless debit card in RON The Premium Banking package of banking products and services. Standard price: RON 60/month Preferential price: /month, every month when is fulfilled at least one of the following conditions: minimum EUR 2,000 monthly average revenue in the last 3 calendar months; EUR 40,000 average assets under management with Raiffeisen Group Romania in the last month. Issuing charge, monthly administration and renewal fee, balance inquiry fee at Raiffeisen Bank EPOS cashier s desk, Raiffeisen Bank ATM withdrawal Cash withdrawal fee in ATM networks of other banks in Romania using principal/additional debit cards Cash withdrawal fee from Raiffeisen Bank EPOS cashier s desk Debit cards in RON and foreign currency ATM daily cash withdrawal limit Debit Card in EUR or USD* Annual administration fee Initial issue fee Renewal fee Current accounts for second RON account and all current accounts in foreign curency Overdraft attached to your Premium RON current account RON incoming payments for all current accounts Savings Accounts 0% per year, interest rate for the overdraft facility attached to the current account, up to RON 500 used (applicable for RON and foreign currency accounts) Raiffeisen Online and Raiffeisen Smart Mobile (internet and mobile banking) Interbank RON transfer and Interbank foreign currency transfer** SmartTel SMS alert service Subscription and received SMS 0.25% minimum 5 RON,000 or the card currency equivalent Debit Direct ConfortaBill (automatic direct debit service) Monthly fee/payment Raiffeisen Direct Top (extended phone banking service) Raiffeisen Direct (phone banking service) Intrabank and Interbank RON transfer *Valid for only one debit card in foreign currency: either EUR or USD. **In the case of foreign currency transactions, the gratuity is offered for the internal commission for foreign currency payments. This document does not have the role of a contract. Please ask for support in our agencies, from the personal banker, regarding complete and updated information on the contracts governing this product. Your Insurance (accident insurance, up to EUR 10,000 coverage) Monthly Premium insurance

4 Non-stop program Toll free number in Telekom Romania network. SKU

5 Charges and fees for the use of Raiffeisen Online and Smart Mobile Monthly Smart Mobile subscription Monthly Raiffeisen Online subscription Raiffeisen Online card replacement charge Charge for not returning the card reader upon termination of the agreement Charge for taking out of service a card reader reported lost/stolen/damaged, without applying for a new one Monthly management charge for additional card reader for each additional card reader Payment operations in RON Between the accounts of the same customer Between the bank's customers Payments made following the execution of a deduction directive communicated to the bank by an executive authority (of judiciary/fiscal nature) up to RON above RON 500 Interbanking Payments made following the execution of a deduction directive communicated to the bank by an executive authority (of judiciary/fiscal nature) Standard For Premium Banking package holders RON 4 RON 5 RON 5 RON 2 RON 2.5, for payments 0 RON 20, for payments > 0 RON 1 RON 3 RON 2 RON 2.5, for payments 0 RON 20, for payments > 0 RON, 2.5 for payments 0 RON 2.5, for payments 0 RON 20, for payments > 0 RON 20, for payments > 0 up to RON RON 2, with additional fees charged by the National Bank of Romania/ Transfond per payment operation above RON 500 Cancellation of warrant of payment for interbanking payments in RON Reporting non-receipt by the beneficiary of the amount ordered for interbanking payments in RON External payments in RON RON 4, with additional fees charged by the National Bank of Romania/ Transfond per payment operation 0.13%: min. RON 50, max. 750 RON ConfortaBill Service (direct debiting) RON 1.5/payment RON 1.5/payment Payment operations in foreign currency Between the accounts of the same customer Between bank's customers Interbanking SWIFT charges* Additional emergency charge (priority today or tomorrow) Standard external commission 0.10%: min. EUR 10 max. 00, plus SWIFT charges EUR 10/message 0 plus SWIFT charges EUR 10/message 0 Electronic payments between accounts opened with banks in Raiffeisen Bank International Group Additional emergency charge, priority today or tomorrow, for Raiffeisen Bank intragroup payments 0.08%: min. EUR 8 max. EUR 400, plus SWIFT charges plus SWIFT charges EUR 0 EUR 0 Cancellation of external payment made in foreign currency Cancellation of external payment not made in foreign currency Amendment of the instruction for external payment made in foreign currency Amendment of the instruction for external payment not made in foreign currency Investigation fee *SWIFT fees are not charged for payments in Euro, if the service provider of the payee is in an EU/EEA (European Economic Area) country and uses a SEPA scheme ("Single Euro Payments Area"). This document does not stand for a contract. The complete and updated list of the charges, commissions and fees is available in any Raiffeisen Bank unit. The personal banker is at your disposal with complete information regarding the charges implied by the ownership of internet and mobile services from Raiffeisen Bank, provided the prior holding of the Premium package.