INFORMATIVE GUIDE TO THE TRANSITION BETWEEN IT SYSTEMS IN MKB BANK

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1 INFORMATIVE GUIDE TO THE TRANSITION BETWEEN IT SYSTEMS IN MKB BANK Dear <Company name>, In line with the information we previously provided in order to ensure long-term and maximum-level services to our customers our bank will start to use a new more state-of-the-art customer-focussed system instead of the currently used IT system (hereinafter: Transition ). The purpose of this informative guide is to provide information to you about the changes coming into effect on the Date of the Transition. We also inform you that the changes also require the amendment of the contracts signed with you. The content of the modifications will be detailed in this Informative Guide and its Appendix. Please read the Appendix carefully! The satisfaction of our customers is of utmost importance for MKB Bank, therefore the Bank develops its products and services based on the customer requirements surveyed in advance, simplifies the processes of administration and makes those faster and more convenient. In addition to maintaining traditionally strong personal customer relationships, MKB Bank keeps introducing its digital banking solutions. Our goal is to ensure the following developments for our customers as a result of the Transition: We open accounts for our new customers in 15 minutes. We facilitate biometric signature in our branches. We forward the digitally authenticated documents signed in the branch electronically. Our lending processes preserving the flexibility of adjustments to individual requirements will become more efficient, and for SME customers we prepare pre-qualifications even in 24 hours. After a one-time conclusion of framework type of contracts guarantees may be initiated in a shortened process through a unilateral order by the customer in the medium-size and large company segment. Thank you for honouring us with your trust and for using the ever expanding innovative services of MKB Bank. We are confident that you will remain one of our satisfied customers in the future! Our customers will be notified in writing about the date of the Transition and about all additional necessary information. Please visit our continuously updated website or inquire in our branches, consult your customer relationship manager or call our call centre at the domestic toll-free number of , or at from abroad. Budapest, 18 December 2017 Best regards, Bakonyi András Deputy CEO for Corporate and Treasury MKB Bank Zrt. Hetényi Márk Deputy CEO for Retail and Digital Services MKB Bank Zrt

2 APPENDIX ON CONTRACT AMENDMENT Below detailed information is provided on the modifications concerning you in relation with the Transition and the contracts we signed with you, and coming into effect on the date of Transition. In case you do not agree with the amendments of the framework agreement for payment services, you will be entitled to terminate the framework agreement with immediate effect until the day preceding the day when the amendment comes into effect - without any obligation to pay fees, costs or other amounts. Please read this Appendix carefully and study the following documents entering into force on the day of the Transition, which also contain the modifications: Modifications of the Business Rules of bank account management, deposit collection and the related services List of Conditions for legal entities and organisations without legal entity General and special provisions List of Conditions for legal entities and organisations without legal entity - Bank account management, deposit collection for small company customers and the related services List of Conditions for legal entities and organisations without legal entity - Bank account management, deposit collection for corporate customers and the related services Conditions of HUF and FX account management for diplomatic bodies List of Conditions for legal entities and organisations without legal entity Deposit products Modifications of the LXXVI MKB De Jure bank account The documents listed above are available on the website in all of our branches, or via our call centre by calling the number of , 24 hours a day 7 days a week. Date of contract modification: Last banking day prior to Transition. In view of the system transition, the modification of contracts established with you shall become effective on the day of Contract Modification. Transition Date: First banking day upon Transition Period. Transition Period: The technical tasks of system transition shall be implemented by the Bank during this period. Bank holiday: The Bank shall announce bank holiday for the Transition Period, notification regarding which, along with notification of bank operation during the preceding days and the order of acceptance and performance of instructions shall be sent to you in due course prior to the Transition Date. Notification regarding this change shall only be sent to you as a specified contact person, therefore you are kindly requested to inform any authorised party/parties involved.

3 1. Paper-free administration Digitally authenticated contracts in our branch network In addition to using innovative banking solutions, one of our goals bearing in mind the environmental aspects as well is to become a paper-free bank through modernisation of document management. The digitally authenticated contracts shall be primarily sent to our customers via NetBankár, NetBankár Business and PCBankár services, and shall be printed out only if specifically requested. 2. Modifications related to account keeping Change in relation to disposal over accounts Currently a person authorised to dispose over accounts at the request of a customer may, at its option, receive general authorisation with regard to all accounts. As from the Transition Date, such general authorisation to dispose over accounts shall cease to exist; thereafter authorisation will have to be specified individually for each account. Please note that as from the Transition Date it will not be possible to issue new General Authorisations. Any individuals with general authorisation given prior to that date shall be automatically matched to the already opened accounts. Currently a person authorised to dispose over your accounts may be given authorisation by specifying an applicable effective date and limit amount as well. From the Transition Date such opportunities and authorisation restrictions shall cease to apply. Management of blocked amounts The management of blocked amounts shall be changed. Currently, in case of a blocking request the amount to be blocked is placed into a separate bank account, whereby this separate bank account is blocked. As from the Transition Date, the requested amount shall remain blocked on the same account, therefore a particular account may hold both blocked and unblocked amounts at the same time. Simultaneously with the Transition, the account type used for blocking purposes shall also cease to exist. Any account balance blocked until the Transition Date shall be returned to the original account as a blocked amount. This change is of technical nature only; this type of service shall continue to be available free of charge. Use of conversion exchange rate In different currencies need to be exchanged (converted), as from the Transition Date any foreign currency shall be bought at the applicable buying rate and sold at the applicable selling rate quoted against HUF, irrespective of the fact whether the conversion transaction involves HUF and a foreign currency, or two different foreign currencies. As from the Transition Date, for the settlement of fees due at closure (account keeping fee, service package fee, PC Bankár/NetBankár monthly fee, account statement fee) the Bank shall use the applicable middle rate quoted by MNB. Calculation of monthly debit account turnover As from the Transition Date, for determining debit account turnover the Bank shall consider the period between 20 th of the specific month until 19 th of the following month to be the current month.

4 3. Modifications related to bank account statements Date of preparation (availability) of bank account statement Currently bank account statements are prepared according to the individual financial transactions and sent to the customer, as requested, on transaction, weekly or monthly basis. As from the Transition Date, the date of preparation and dispatch of statements shall be the same. The date of issue and dispatch of the specific monthly statement shall be the first day of the following month (therefore the bank statement shall cover the turnover of the full current month), while weekly statements shall be issued and dispatched on Fridays, and transaction based statements shall be issued and dispatched on every banking day concerned with transaction on the specific account. If such a date is not a banking day, the applicable date shall be the following banking day. As regards customers using electronic channels (i.e. NetBankár, NetBankár Business or PCBankár services) and requesting electronic bank statements, upon Transition Date electronic statements based on transactions shall be issued invariably; customers with no access to electronic channels and therefore requesting paper-based statements will continue to receive paper-based statements upon Transition as well, according to the previously agreed frequency. As regards customers with access to electronic channels simultaneously requesting the dispatch of weekly or monthly bank statements, upon Transition Date the date of issue and dispatch of statements shall be adjusted to the preparation of electronic statements and sent by post accordingly. It means that the statements shall be issued based on individual transactions in the future as well, but dispatched by post immediately. Please note that for each postal dispatch the fee indicated in the applicable List of Conditions shall be charged. Any customer wishing to give a different instruction, i.e. requesting weekly or monthly statements or terminating the use of paper-based statements, shall be requested to contact the relevant customer relationship manager or branch, or to phone our call centre upon Transition Date. Frequency of bank statement processing (issue) Bank statements including credit / debit items and account balances shall be invariably sent by post or via electronic channel as requested upon Transition as well, however, the frequency of dispatch shall be identical to the frequency of bank statement processing (issue) following Transition Date. Language of bank account statement As from the Transition Date the opportunity to request different languages to be used for the individual bank account statements shall cease to exist; the language to be used shall be specified at customer level instead. Please note that upon Transition it will not be possible to request different languages to be used for the individual bank account statements. If you receive bank account statements issued in more than one language, as from the Transition Date the statements of all bank accounts shall be issued in Hungarian language, or in the language specified in the agreement on account keeping. Listing of transactions As from the Transition Date the credit and debit items of each bank statement shall be indicated in the chronological order of the listed transactions. It will not be possible to request bank statements with items listed in any different order. Transactions related to bank accounts Information on bank account related transactions (such as term deposits) shall be invariable sent simultaneously with the dispatch of bank account statements in identical manner, however, from the Transition Date such information shall not be sent as a separate document, but as part of the statement free of charge.

5 4. Modifications related to payment transactions Dates indicated in standing orders As from the Transition Date, the Bank shall only accept standing orders if the initial date (in numerical terms) is identical to the performance dates indicated for frequency, i.e. the first performance date may not be different from the next specified performance date. This modification shall not affect standing orders submitted prior to Transition Date, as such transfer orders shall be performed by the Bank in accordance with the specified dates upon Transition as well. Please note that as from the Transition Date the Bank shall not accept standing orders with different initial and subsequent performance dates indicated. Confirmation of pre-dated group transfers As from the Transition Date, as regards pre-dated group transfers any confirmation of acceptance shall be issued for customers at the specific value date via NetBankár, NetBankár Business and PCBankár services. Scope and amount of funds check As from the Transition Date, the Bank shall only perform payment orders if in addition to the full amount of the specific transfer order all fees and charges to be debited to the customer are also available on the relevant account, including the amount charged in view of the applicable transaction tax. Consequently, the funds check shall cover the amount of the specific transaction, as well as any related bank fees (full coverage). In the absence of full coverage the bank shall put the particular transfer order on hold, to be performed along with any applicable fees upon availability of the amount of the specific order. Exception: over-the-counter cash withdrawal, to be performed by the bank only if full coverage is available. Place of funds check As from the Transition Date, the place of funds check shall be the bank account to be debited in accordance with the particular transfer order. Transfer orders shall be performed subject to availability of all applicable fees and charges in addition to the order amount (full coverage) on the specific bank account. Settlement of bank fees As from the Transition Date the settlement of bank fees shall be changed: no more collective debiting of fees (accumulated and debited as a single amount) shall be applied, but instead all fees, charges and costs, including any amounts charged in relation to the applicable transaction tax, shall be settled by the Bank on the date of performance of the specific payment order against the particular account. The following fees shall be invariable charged and debited at closure, i.e. on the last working day of each month in the future as well: bank account keeping fee, service package fee, monthly fee of telephone and electronic services, post box rental fee, bank account statement fee. Beneficiary (BEN) cost bearing option The BEN cost bearing option (all costs borne by the beneficiary) shall cease to exist. Please note that upon Transition Date transfer orders with BEN cost bearing option shall not be accepted. Any transfer orders submitted with BEN cost bearing option, to be performed at a value date upon Transition, shall be rejected. If you have such a payment order, you are kindly requested to submit a modified instruction.

6 Currency of foreign exchange transfer transactions Upon Transition Date the Bank shall not accept transfer orders involving three different currencies, i.e. where the currency of the bank account to be debited, the currency of the specific payment order and the currency of performance are different. The Bank, however, shall continue to accept and perform transfer orders where the currency of the bank account to be debited and the currency of the transferable amount are different. Currency of SEPA transfer orders Upon Transition Date, in the case of SEPA transfer orders submitted via NetBankár Business and PCBankár channels both the currency of performance and the currency of the specific amount must be in EUR. SWIFT copy of SEPA transfer orders As from the Transition Date no SWIFT copy (confirmation) of SEPA transfer orders submitted via NetBankár Business and PCBankár channels may be requested. MT940 bank account statement requested via SWIFT As from the Transition Date MT940 account statements requested via SWIFT shall only be issued on bank working days subject to account turnover. Permanent VIBER transfer orders and permanent HUF transfer orders to foreign countries Standing order to be performed through VIBER (Real Time Gross Settlement System) and permanent HUF transfer orders to foreign countries shall not be performed, and therefore shall be rejected upon Transition Date. Transfer orders submitted prior to Transition to be performed at first available date upon Transition Date shall be rejected. If you have such a payment order, you are kindly requested to submit a modified instruction. Optional fields of standing orders As regards standing orders submitted via NetBankár system it will not be possible to specify details such as transfer on behalf of or in the name of another individual or to add extra parameters in a separate manner upon Transfer Date. It will only be possible to specify such data in the comment field. The relevant data of previously submitted transfer orders shall be removed to the comment field. Other services to be terminated The Bank shall terminate the following services as from the Transition Date therefore the relevant orders shall be rejected accordingly: - Foreign exchange transfer order covered by futures transaction - Notification of FX items received from other bank via phone or fax - Discontinuation of the check box I do not request a unique exchange rate via the Netbankár, Netbankár Business and PCBankár channels - Paper-based group transfer order and group collection order Out of turn performance As requested by customers, we shall continue to facilitate faster than normal T day performance of payment orders indicated in the applicable List of Conditions. However, the manner of specifying urgency fees in the List of Conditions shall change. In addition to basic ad-hoc transfer conditions, for

7 each type of transaction with potential out-of-turn administration so called accelerated transfer conditions shall be announced. The extent of the specific fee items shall remain unchanged. As from the Transition Date, T+1 performance shall cease to exist. Automatic top-up of card coverage account balance on bank working days only As from the Transition Date, the automatic top-up of card coverage account balance outside bank working days shall cease to exist. If you wish to secure coverage for a specific holiday, bank holiday or first banking day upon such date, transfer of coverage as a single sum must be requested on the working day preceding the specific holiday or bank holiday. As from the Transition Date, instructions for the automatic top-up of account balances shall apply for same day. Analytics related to postal transfer orders As from the Transition Date, analytics related to postal transfer orders may be requested electronically or paper-based; both options may not be chosen simultaneously. The Bank shall dispatch analytics to the customers in the same way than the dispatch of the relevant bank account statements. If banks statements are sent to a specific customer electronically (via NetBankár, NetBankár Business or PCBankár service), the relevant analytics shall also be sent electronically; likewise, in case of paper-based statements the relevant analytics shall also be sent paper-based. Performance date of group collection orders within same package As regards group collection orders, it will not be possible to specify different performance dates for individual items within the same package therefore, as from the Transition Date, every order within the specific package must have the same performance date. 5. Modifications related to over-the-counter payment transactions Settlement of over-the-counter cash withdrawal and cash deposit transaction fees As from the Transition Date, the manner of charging over-the-counter cash withdrawal and cash deposit transaction fees shall be changed in a way that the currency of the account to be debited or credited shall determine the amount of the fee to be charged. HUF or FX cash withdrawal and deposit transactions in relation to HUF accounts shall be considered as HUF transactions. HUF or FX cash withdrawal and deposit transactions in relation to FX accounts shall be considered as FX transactions, irrespective of the involvement of HUF banknotes or coins in the specific transaction. 6. Changes related to term deposits Announcement of term deposit period in days The applicable period of term deposit is currently indicated in the relevant Lists of Conditions based on weeks and months. In order to offer a wider choice term deposit periods shall be announced in days therefore, as from the Transition Date, customers will be able to choose optional periods ranging from 7 to 365 days. This modification shall not affect live term deposits established by one-off deposit placement prior to Transition Date. As for recurring deposit periods, the original term deposit period shall be expressed in calendar days on condition that one month shall be deemed to consist of 30 days, and a 12-month period shall be deemed to consist of 365 days. Minimum amount of term deposit placement The minimum amount of term deposit placement, irrespective of the relevant service package, shall be included in the List of Conditions applicable to Corporate Deposit Products.

8 Recurring term deposit for full payment account balance Recurring term deposit for full payment account balance shall cease to exist. Please note that as from the Transition Date it will not be possible to submit new term deposit placement orders for full account balance. If you have such term deposit placement, it shall be terminated at the first roll-over date upon Transition by crediting the interest due on the specific day, whereby the amount of the particular term deposit and the due interest shall be credited to the bank account specified in the relevant term deposit order. From that date onwards, in addition to single deposit placement, recurring term deposit options on same amount or compound interest basis shall be available to customers. Term deposit order for value date Term deposit order for value date, i.e. pre-dated term deposit placement shall cease to exist. Please note that as from the Transition Date it will not be possible to submit new term deposit placement orders for value date. Any such term deposit orders submitted previously shall be rejected. You are kindly requested to re-submit your order at the relevant value date. Modification of deposits fixed with a revolving period In case of deposits fixed with revolving periods the amount of the deposit, the fixing period and the bank account linked to the deposit and used for the payment of principal and interest may not be modified with regard to the new period. Termination of term deposit The possibility to terminate term deposit at a future date shall cease to exist; customers shall be able to terminate term deposits with immediate effect only. 7. Debiting of commitment fee / commitment charge due for Transition period For the individual contracts commitment fee / commitment charge shall be debited in two instalments: 1) the amount due until Transition Date and 2) the amount due at the contracted date upon Transition, to be debited separately. This change shall be of technical nature with single effect, and with no additional charge involved. Altogether the commitment fee / commitment charge specified in the contract shall be applied. 8. Termination of joint rental of post office box As from the Transition Date, the Bank shall deliver notifications specified in the particular post office box rental agreement exclusively to the contractual renting party via bank POB. If you as a renting party, based on Annex 1 to the specific agreement consented to the performance of Bank delivery in favour of any third party via the indicated post office box, this opportunity shall cease to exist upon Transition and any Bank notification for such third party/parties shall be delivered to the relevant permanent address(es). Our letter was prepared based on the information included in the MKB Bank systems on 8 December In case there was a change in the product(s) and/or service(s) you use in the meantime, please disregard the relevant part or parts of our letter. Thanks to our IT development, in addition to making our existing processes even more efficient, we will also introduce a number of new types of digital options for administering your banking transactions - about which you will be informed continuously to offer more up-to-date, faster and more convenient services to you.

9 Should you have any questions or need further information regarding the content of this Appendix, please call your customer relationship manager or our call centre at the domestic toll-free number of or turn to our colleagues in the branches of our Bank or write to us to the address Budapest, 18 December 2017 Best regards, Bakonyi András Deputy CEO for Corporate and Treasury MKB Bank Zrt. Hetényi Márk Deputy CEO for Retail and Digital Services MKB Bank Zrt.