You are on page 1of 35

Premium Banking Terms and Conditions Effective from 15th December 2011 until withdrawn

1. GENERAL TERMS AND CONDITIONS 2

1.1 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO CONCLUDED A SUPPLEMENTARY AGREEMENT PRIOR TO 6TH JULY 2010 2

1.2 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO HAVE SIGNED A SUPPLEMENTARY CONTRACT OR A SUPPLEMENTARY CONTRACT AMENDMENT SINCE 6TH JULY 2010 2

1.3 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO HAVE SIGNED A SUPPLEMENTARY CONTRACT OR A SUPPLEMENTARY CONTRACT AMENDMENT SINCE 30TH AUGUST 2010 1.4. OTHER PROVISIONS 2. AVAILABLE BANK ACCOUNT FACILITIES AND BANK CARDS 3 5 6

3. INTEREST ON THE RAIFFEISEN FORINT BANK ACCOUNT IN THE CASE OF THE PREMIUM/PREMIUM GOLD ACCOUNT PACKAGE 4. THE EBKM VALUE OF THE BANK ACCOUNT INTEREST AS ASSIGNED IN THE EFFECTIVE GOVERNMENT DECREE 5. RAIFFEISEN FORINT BANK ACCOUNT FEES AND COMMISSIONS 5.1. PREMIUM GOLD ACCOUNT PACKAGE 5.2. PREMIUM ACCOUNT PACKAGE 5.3 SWITCHING BETWEEN ACCOUNT PACKAGES WHILE MAINTAINING PREMIUM BANKING MEMBERSHIP 6. MOBILE BANKING SERVICE 7. BANK CARDS, CLEVERCARDS, AND CREDIT CARDS 8. LOANS 8.1. RAIFFEISEN PREMIUM HOME LOAN 8.2. RAIFFEISEN PREMIUM PERSONAL LOAN WITH REAL ESTATE COLLATERAL 7 8 9 9 10 11 12 13 16 16 16

8.3. RAIFFEISEN PREMIUM EGYETLEN LOAN - CONSOLIDATION LOAN FOR HOME MORTGAGE AND PERSONAL LOAN WITH REAL ESTATE COLLATERAL 8.4. RAIFFEISEN PREMIUM HOME PROTECTION LOAN 8.5. RAIFFEISEN PERSONAL LOAN 8.6. PREMIUM BANK ACCOUNT LOAN 9. FIXED DEPOSITS 9.1. FIXED-TERM FORINT DEPOSIT 9.2. FIXED-TERM FOREIGN CURRENCY DEPOSIT 10. INVESTMENT SERVICES 10.1. INVESTMENT NOTES OF RAIFFEISEN INVESTMENT FUNDS-HUNGARY AND RAIFFEISEN CAPITAL MANAGEMENT 10.2. INVESTMENT NOTES UNITS OF INDEPENDENT FUND MANAGERS 10.3. SECURITIES DEPOSIT ACCOUNT MANAGEMENT 10.4. LONG-TERM INVESTMENT SECURITIES ACCOUNT 11. RAIFFEISEN REGULAR INVESTMENT 12. SAVINGS PROGRAM 13. FINANCIAL PLANNING 14. OTHER CONDITIONS, PARTNER DISCOUNTS 16 17 18 18 20 20 23 27 27 27 29 29 31 32 34 35

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

1. General Terms and Conditions 1.1 General Terms and Conditions applicable to customers who concluded a Supplementary Agreement prior to 6th July 2010 In order to maintain Raiffeisen Premium Banking status without the payment of any supplementary account keeping fee, one of the following conditions must be satisfied: In respect of the last working day of the given calendar quarter in the past quarter of a year a minimum monthly amount of HUF 350,000 has been credited on average to the Customer's bank account from outside the Bank or from a third party, the aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million*, the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by Raiffeisen Bank is at least HUF 15 million calculated at the exchange rate effective at the time of disbursement the Customer's outstanding debt is a total of at least HUF 5 million calculated at the effective exchange rate and none of the Customer's loans have been more than 30 days overdue for the past 12 months. * When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed deposits in the case of foreign currency, converted into forint at the FX mid-rate effective on the given day and the aggregate, effectively available closing balance of the securities account managed by Raiffeisen Bank. The Supplementary Account keeping fee for the Raiffeisen Premium Banking service is not charged if the preconditions for use are fulfilled; otherwise, the fee is HUF 7,500/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium Banking Service. 1.2 General Terms and Conditions applicable to customers who have signed a Supplementary Contract or a Supplementary Contract amendment since 6th July 2010 The General Terms and Conditions differ depending on whether the customer requests a Premium or a Premium Gold Account Package. Other product conditions over and beyond the special terms and conditions of the Premium and Premium Gold Account Packages are the same regardless of which of the two account packages is used. 1.2.1 General Terms and Conditions applicable to the Premium Account Package The Raiffeisen Premium service may be used in conjunction with the Premium Account Package without a Supplementary Account Fee, if one of the following conditions is fulfilled: Transfer, to the credit of the Customers bank account, during the month examined, from outside the Bank or from a third party, and in one lump sum, of a total amount of HUF 280,000 or the equivalent thereof in another currency quoted by the Bank. The period examined when debiting the fee for the month concerned: the period extending from the 27th day of the month preceding the month concerned to the last day of the month concerned. The aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million on last working day of the month. the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by Raiffeisen Bank is at least HUF 15 million calculated at the exchange rate effective at the time of disbursement and the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none of the Customer's loans have been more than 30 days overdue during the past 12 months. The Supplementary Account Fee for the Raiffeisen Premium Banking service is not charged if, in addition to the maintenance of a Premium Account Package, at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,500/month/Customer (regardless of the number of the Premium Account Packages maintained), which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged. If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the Premium Gold Account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking Service, by the 5th working day preceding the last working day of the given month.

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

If, on the day of the verification, the Customer has any debts that have been overdue for more than 30 days, then the Customer shall be obliged to pay, in relation to the maintenance of the Premium Account Package, a Supplementary Account keeping fee, regardless of whether all the other conditions are fulfilled. 1.2.2 General Terms and Conditions applicable to the Premium Gold Account Package The Raiffeisen Premium Banking Service may be used in conjunction with the Premium Gold Account Package without a monthly account keeping fee, if one of the following conditions is fulfilled: Transfer, to the credit of the Customers bank account, in the month examined, from outside the Bank or from a third party, and in one lump sum, of a total amount of HUF 280,000 or the equivalent thereof in another currency. The period examined when debiting the fee for the month concerned: the period extending from the 27th day of the month preceding the month concerned to the last day of the month concerned. The aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million on last working day of the month. The total value of the disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by Raiffeisen Bank is at least HUF 18 million after the grace period defined in Contract Supplement for the Provision of the Premium Banking Service on the day of verifying Membership conditions calculated at the exchange rate effective on the day of verifying. Henceforth the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none of the Customer's loans have been more than 30 days overdue during the past 12 months before verifying conditions. The monthly account keeping fee for the Premium Gold Account Package service is not charged if at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,800/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary account keeping fee is not charged. If, on the day of the verification, the Customer has any debts overdue for more than 30 days, then the Customer shall be obliged to pay, in relation to the maintenance of the Premium Gold Account Package, an Account keeping fee, regardless of whether or not the other conditions are fulfilled. If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the Premium Gold account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking service, by the 5th working day preceding the last working day of the given month. 1.2.3 Common rules applicable regardless of the type of the account package When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed deposits in the case of foreign currency, converted into forint at the FX mid-rate effective on the given day and the aggregate, effectively available closing balance of the securities account managed by Raiffeisen Bank at the time of the verification. 1.3 General Terms and Conditions applicable to customers who have signed a Supplementary Contract or a Supplementary Contract amendment since 30th August 2010 The General Terms and Conditions differ depending on whether the customer requests a Premium or a Premium Gold Account Package. Other product conditions exceeding the special conditions of the Premium and Premium Gold Account Packages are identical if both account packages are used. 1.3.1 General Terms and Conditions applicable to the Premium Account Package The Raiffeisen Premium Banking service may be used in conjunction with the Premium Account Package without a Supplementary account keeping fee, if one of the following conditions is fulfilled: Transfer, to the credit of the Customers bank account, during the month examined, from outside of the Bank, of a total amount of HUF 280,000 in one lump sum or the equivalent thereof in another currency registered by the Bank, or from inside of the Bank from a legal person or a company without legal personality or a sole trader. of a total amount of HUF 280,000 in one lump sum or the equivalent thereof in another currency registered by the Bank. The period examined when debiting the fee for the month concerned: the period extending from the 27th day of the month preceding the month concerned to the last day of the month concerned. The aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million on last working day of the month. Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by Raiffeisen Bank is at least HUF 15 million calculated at the exchange rate effective at the time of disbursement and the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none of the Customer's loans have been more than 30 days overdue during the past 12 months.

The Supplementary Account keeping fee for the Raiffeisen Premium Banking service is not charged if, in addition to the maintenance of a Premium Account Package, at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,500/month/Customer (regardless of the number of the Premium Account Packages maintained), which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged. If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the Premium Gold account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking service, by the 5th working day preceding the last working day of the given month. If, on the day of the verification, the Customer has any debts overdue for more than 30 days, then the Customer shall be obliged to pay, in relation to the maintenance of the Premium Account Package, a Supplementary Account keeping fee, regardless of whether or not the other conditions are fulfilled. 1.3.2 General Terms and Conditions applicable to the Premium Gold Account Package The Raiffeisen Premium Banking service may be used in conjunction with the Premium Gold Account Package without a monthly account keeping fee, if one of the following conditions is fulfilled: Transfer, to the credit of the Customers bank account, during the month examined, from outside of the Bank, from a legal person or a company without legal personality or a sole trader, and in one lump sum, of a total amount of HUF 280,000 or the equivalent thereof in another currency. The period examined when debiting the fee for the month concerned: the period extending from the 27th day of the month preceding the month concerned to the last day of the month concerned. The aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million on last working day of the month. The total value of the disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by Raiffeisen Bank is at least HUF 18 million after the grace period defined in Contract Supplement for the Provision of the Premium Banking Service on the day of verifying Membership conditions calculated at the exchange rate effective on the day of verifying. Henceforth the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none of the Customer's loans have been more than 30 days overdue during the past 12 months before verifying conditions. The account keeping fee for the Premium Gold Account Package service is not charged if at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,800/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged. If, on the day of the verification, the Customer has any debts that have been overdue for more than 30 days, then the Customer shall be obliged to pay, in relation to the maintenance of the Premium Gold Account Package, an Account keeping fee, regardless of whether or not the other conditions are fulfilled. If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the Premium Gold Account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking service, by the 5th working day preceding the last working day of the given month. 1.3.3 Common rules applied regardless of the type of the account package When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed deposits in the case of foreign currency, converted into forint at the FX mid-rate effective on the given day and the aggregate, effectively available closing balance of the securities account managed by Raiffeisen Bank at the time of the verification.

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

1.4. Other provisions In the cases not regulated in these Terms and Conditions, the fees, commissions and conditions specified in the effective Retail Terms and Conditions shall be charged and applied to specific products, including promotion products. The Bank may decide, without notifying the customer in advance, not to debit the supplementary account keeping fee. The Bank has no obligation to conclude a contract, even if the customer complies with the conditions stipulated in these Terms and Conditions.

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

2. Available bank account facilities and bank cards Raiffeisen Premium and Premium Gold Account Package: forint bank account with bank card and electronic channel discounts. The Premium Banking service is available to customers who have concluded a contract prior to 6 July 2010 in conjunction with any Raiffeisen retail bank account/bank account package. The Premium Banking service is available to customers who have concluded a contract since 6 July 2010 in conjunction with the Premium Account Package or the Premium Gold Account Package. If another account is opened or maintained alongside the Premium or Premium Gold Account Package, a Premium Account Package or any other retail account package may be selected. Bank cards available with the Raiffeisen Premium Banking service: Premium CLEVERcard Premium VISA GOLD bank card Premium Oxign GOLD credit card The above bank, CLEVER and credit cards can be requested by customers who concluded a contract prior to 6 July 2010, even if the Customer does not have a Raiffeisen Premium Account Package. The terms applicable to bank cards, CLEVERcards and credit cards associated with the Premium Banking service are contained in Section 7 of these Terms and Conditions.

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

3. Interest on the Raiffeisen forint bank account in the case of the Premium/Premium Gold Account Package

In respect of the Yield Increaser service, the interest rates specified in the table apply only to amounts that are temporarily not invested in the investment fund. EBKM1 Interest on unauthorised Tiered interest Annual interest rate overdrafts HUF 0 1,000,000 0.10% 0.10% 26.50%* Between HUF 1,000,001 and 5,000,000 0.10% 0.10% Above HUF 5,000,000 0.10% 0.10% * 13,50% of the penalty rate will be remitted between 29 August and 30 November 2011. The period of penalty rate remittance is extended until 31.12.2011. With respect to amounts falling within the upper and lower limits of a given band, the Bank always pays interest in accordance with the interest rate that has been announced in respect of the given band. With regard to the interest paid on Raiffeisen retail bank accounts, the provisions of the latest terms and conditions for Raiffeisen bank account electronic services apply.

EBKM: Annual Effective Rate

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

4. The EBKM value of the Bank Account interest as assigned in the effective Government decree

The EBKM values appearing next to the bank account interest rates are - assuming quarterly interest payments - calculated on the basis of the following formula:

n Disposed term deposit =


where n:, number of interest payments r: the value of EBKM ti: the number remaining days from the day of the deposit allocation until the ith payment (k+bv)i: the sum of the paid interest and the repayment of deposit amount paid on the ith payment

i=1

(k+bv)i 1+r x (ti /365)

Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

5. Raiffeisen forint bank account fees and commissions 5.1. Premium Gold Account Package Account keeping fee2 If the conditions detailed in section 1.2.2 of these Terms and Conditions are fulfilled. If the conditions detailed in section 1.2.2 of these Terms and Conditions are not fulfilled. Crediting of items received in forint Transfers received from banks Transfers arriving by post Balance transfers between the Customers accounts at the Bank One-off transfer in forint2 intra-bank At the branch bank-to-bank intra-bank bank-to-bank intra-bank bank-to-bank Premium Gold Account Package HUF 0/month HUF 7,800/month

free of charge Costs charged by the Hungarian Post free of charge 0.25%, min. HUF 310 max. HUF 6,250 0.30%, min. HUF 310 max. HUF 6,250 Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge

Via Raiffeisen Direkt

Via Raiffeisen DirektNet Standing order At the branch Via Raiffeisen Direkt Via Raiffeisen DirektNet Utility fee collection (direct debit order) At the branch Via Raiffeisen Direkt Via Raiffeisen DirektNet

Switching to Premium Gold Account Package Switching from Premium Gold Account Package to Premium Account Package in the framework of the Switching account Premium Banking service packages2 Switching from Premium Gold Account Package to Retail Account Package if the Premium Banking service is cancelled Cancelling a one-off transfer or standing order, suspending of direct debit order for a fixed term Yield Increaser service2 Instructions for the event of death (order, amendment)

Free of charge

Free of charge HUF 730/month Free of charge

2 Indexation: the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

9 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

5.2. Premium Account Package

Premium Account Package Account keeping fee3 Supplementary Account keeping fee (this may be charged in the cases set out in section 1.2.1 of these Terms and Conditions) Crediting of items received in forint Transfers received from banks Transfers arriving by post Balance transfers between the Customers accounts at the Bank One-off forint transfer2 intra-bank At the branch Via Raiffeisen Direkt bank-to-bank intra-bank bank-to-bank Via Raiffeisen DirektNet Standing order At the branch Via Raiffeisen Direkt Via Raiffeisen DirektNet Utility fee collection (direct debit order) At the branch Via Raiffeisen Direkt Via Raiffeisen DirektNet Switching to Premium Account Package Switching from Premium Account Package to Retail Switching Account Package in the framework of the Premium Banking service account Switching from Premium Account Package to Retail packages2 Account Package if the Premium Banking service is cancelled Cancelling a one-off transfer or standing order, suspending of direct debit order for a fixed term Yield Increaser service3 Instructions for the event of death (order, amendment) intra-bank bank-to-bank HUF 1,780 /month/account HUF 7,500/month free of charge Costs charged by the Hungarian Post free of charge 0.25%, min. HUF 310 max. HUF 6,250 0.30%, min. HUF 310 max. HUF 6,250 free of charge free of charge free of charge free of charge free of charge free of charge free of charge free of charge free of charge HUF 2,095 free of charge

free of charge HUF 415/month Free of charge

Fees and commissions are debited from the bank account on the day of the transaction, while the monthly account keeping fee is debited on the last bank working day of the month. In respect of Retail Account Packages, the fees and commissions specified in the effective Retail Terms and Conditions apply.

3 Indexation: the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

10 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

5.3 Switching between account packages while maintaining Premium Banking membership 5.3.1 From a Premium Account Package to a Premium Gold Account Package The Bank resets the account package within 5 working days after the Customer has submitted his request for switching account packages. After the new package has been set, the terms and conditions related to the maintenance of the Premium Gold Account Package will be applied. 5.3.2 From a Premium Gold Account Package to a Premium Account Package The Bank resets the account package between the 1st and the 5th day of the month following the submission of the Customers request. The terms and conditions applicable in respect of the Premium Gold Account will be applied in the month of submission of the request. 5.3.3 Switching in the case of accounts that are in addition to the obligatory Premium or Premium Gold Account Package When switching between a Premium Account Package maintained together with the obligatory Premium or Premium Gold Account Package or other retail account packages, the latest effective terms and conditions for Raiffeisen bank accounts and electronic services are applied. In respect of Retail Account Packages, the fees and commissions specified in the effective terms and conditions for the Raiffeisen bank account electronic services apply.

11 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

6. Mobile Banking service Mobile Banking fee package content Mobile Banking Cardinfo Bank card transaction Cash withdrawal in Hungary/abroad Purchase in Hungary/abroad Bank account activity Crediting to bank account Debiting from bank account Interactive text message transactions Card limit enquiry Balance enquiry X X X Mobile Banking Accountinfo X X X

Normally, the identification data at the end of messages is the name of the Raiffeisen account/Raiffeisen bank card. Customers may request identification data for the Mobile Banking service that are different from this default setting. Service fees in respect of the Premium Account Package and the Premium Gold Account Package Monthly fee Request, amendment, suspension, reactivation or termination of service Automatic text message (bank card transactions, bank account activity) Interactive text message transactions2 ((one-off enquiries: account balance, card limits) free of charge free of charge free of charge HUF 20/successful enquiry free of charge free of charge free of charge HUF 20/successful enquiry

In respect of Retail Account Packages, the fees and commissions specified in the effective terms and conditions for Raiffeisen bank accounts and electronic services apply. The Mobile Banking CARDINFO and the Mobile Banking ACCOUNTINFO is available if at least one automatic text message is requested. The maximum limit per type of notification is HUF 10,000, and in the case of foreign-currency accounts USD 50, CHF 50, EUR 35 or 35 GBP. In respect of card transactions the limit can only be specified in forint. The monthly and message fees (per type of message) are debited from the bank account on the last bank working day of the month. The settlement period for message fees starts on the last working day of the month prior to the month concerned and ends on the calendar day prior to the last working day of the month concerned. More information about transaction types that fall within the category of notifications is available at www.raiffeisen.hu.

12 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

7. Bank Cards, CLEVERcards, and Credit Cards The conditions pertaining to bank cards, CLEVERcards and credit cards that can be requested and/or used within the framework of the Premium Banking service: Premium Gold Account Package Annual fee4 Premium Start CLEVERcard5 Free of charge5 New card requested after 1. June 2011 is free of charge only in the first year. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Start CLEVERcard. If customer fulfills purchase transactions in amount of 500,000 HUF with main and additional cards connected to the account in the previous year before charging annual card fee, the bank is not charging actual card fee. The annual card fee is debited from the Customers bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date. Free of charge5 Premium Versatile CLEVERcard5 New card requested after 1. June 2011 is free of charge only in the first year. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard. If customer fulfills purchase transactions in amount of 500,000 HUF with main and additional cards connected to the credit card account in the previous year before charging annual card fee, the bank is not charging actual card fee. Does not count as a new card request if Premium Start CLEVERcard requested before 1. June 2011 is requested to upgrade to Premium Versatile CLEVERcard after 1. June 2011. The annual card fee is debited from the Customers bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date. THM in the first year: 38.3% THM from the second year: 41.5% Free of charge6 The annual fee determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Start CLEVERcard, depending on the account package HUF 2.180 4.360 Premium Account Package Retail Account Packages

Free of charge6 THM: 49.3%

The annual fee determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard 6.555 Ft THM: 41.5%

4 Indexation the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types. 5 The annual fees of additional card(s) are the same as the annual fees of cards associated with Retail Account Packages. From this point of view, the CLEVERcard without a credit limit corresponds to the embossed Start CLEVERcard, the Premium CLEVERcard with a credit limit corresponds to the embossed Versatile CLEVERcard and the Premium VISA Gold bank card corresponds to the VISA Gold bank card.

13 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Premium VISA Gold bank card5

Premium Oxign Gold credit card CLEVERcard6,7

VISA Classic and MasterCard Standard7

VISA Classic and MasterCard Standard7

Identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the VISA Gold bank card. HUF 15.295 As determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the Oxigen Gold Credit Card. HUF 15.295 THM: 46% As determined in the From 21th June 2011 can not be claimed From 21th June Raiffeisen CLEVERcard, 2011 can not be Bank-, and Credit Card claimed Terms and Conditions, depending on the account package HUF 815 4.360 THM: 40.7-41.5% As determined in the From 21th June 2011 can not be claimed From 21th June Raiffeisen CLEVERcard, 2011 can not be Bank-, and Credit Card claimed Terms and Conditions, depending on the account package HUF 2.180 4.360 As determined in the From 21th June 2011 can not be claimed From 21th June Raiffeisen CLEVERcard, 2011 can not be Bank-, and Credit Card claimed Terms and Conditions. HUF 15.295 HUF 8,390 HUF 8,390

The THM was determined in accordance with the current conditions and the legal provisions in force and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The definition of the THM refers to a HUF 375,000 purchase limit and a 1 year term. The annual percentage rate valid for the amount of the final purchase limit approved on the basis of the individual contract which may differ from the values indicated in these Terms and Conditions is included in the Banks written notice, which is part of the individual contract. The settlement period taken into account in the calculation of the THM is the period between the 25 day of each month and the 25 day of the next month. If the limit date is not a bank working day, then the bank working day immediately preceding such date shall be taken into account in calculating the settlement period. The value of the THM does not reflect the interest risk of the loan. The annual percentage rate is calculated on the basis of the following formula:
th th

Where:

H: the loan amount, less the costs related to the drawdown of the loan Ak: the amount of the k repayment instalment m: is the number of repayment instalments, tk: the time of the k repayment expressed in years or part-years i: value of the THM
th th

6 7

Including non-embossed or embossed, standard of Special Image Design, Versatile cards with a credit limit or Start CLEVERcards without a credit limit.

For a Premium Account Package, no new VISA Classic card, MasterCard Standard card, embossed and non-embossed Start CLEVERcard, embossed and non-embossed Versatile CLEVERcard, VISA Gold card can be requested, but the card associated with the customers previous account package may be kept.

14 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Number of domestic HUF ATM and/or post office transactions available free of charge per month and per card, and the cash withdrawal fees8 Premium Gold Account Package, Forint cash withdrawal from ATM Premium CLEVERcard (main card and additional card) Premium VISA Gold Deposit bank card (main card and additional card) Raiffeisen CLEVERcard (main card and additional card) VISA Classic and MasterCard Standard (main card and additional card) VISA Gold (main card and additional card) Other conditions Credit limit setting fee if switching from Premium Start CLEVERcard to Premium Versatile CLEVERcard. Receipt of Premium card at the branch As determined in the Raiffeisen CLEVERcard, Bank/Credit Card and Shopping Card Terms and Conditions. HUF 2,730 Free of charge Premium Account Package, Forint cash withdrawal from ATM 4 transactions/month from any ATM free of charge, above this limit as determined in the effective Raiffeisen CLEVERcard, Bank/Credit card and Shopping Card Terms and Conditions for the Everyday Account Package (HUF 270) Retail Account Packages

From a Raiffeisen ATM: in an unlimited number, free of charge From other ATMs: HUF 395/transaction

As determined in the Raiffeisen CLEVERcard, Bank/Credit Card and Shopping Card Terms and Conditions.

Free of charge

Free of charge

Free of charge

Free of charge

Foreign travel insurance Annual fee for Premium bank/credit cards in a Premium Account Package Free of charge9

Annual fee for Premium Start CLEVERcard and Versatile CLEVER Card in Premium Gold Account Package

Free of charge9 Travel insurance requested after 1. June 2011 is free of charge only in the first year, for main and additional cards. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard. In case of the Premium Gold Account Package and Premium CLEVERcard the annual insurance fee is debited from the Customers bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

8 Indexation the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

15 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

8. Loans 8.1. Raiffeisen Premium Home Loan Discounts offered for Premium customers: - Public notary document fee: Bank after loan disturbement posteriorly refunds the public notary document fee paid for the public notary, maximum HUF 40.000. Prerequisite of the refund is that the customer needs to present the invoice to the Bank about the public notary document fee paid for the public notary exhibited to customers name. Refund will be realised after loan disturbement, at latest on the second weeks last working day after presenting the invoice. - Appraisal fee: free of charge - Ownership documentation request fee (TAKARNET): Electronic title deed query needed for loan application is free of charge. Electronic title deed query fee is refunded (end of distraint) by the Bank after loan disturbement, at latest on the second weeks last working day on customers account. - Mortgage registration fee: free of charge In case of Raiffeisen Premium Home Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customers own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtors account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. Proof of income is needed for application of Raiffeisen Premium Home Loan. THM: 10,90% For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,01%. For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011

8.2. Raiffeisen Premium Personal Loan with Real Estate Collateral Discounts offered for Premium customers: - Public notary document fee: Bank after loan disturbement posteriorly refunds the public notary document fee paid for the public notary, maximum HUF 40.000. Prerequisite of the refund is that the customer needs to present the invoice to the Bank about the public notary document fee paid for the public notary exhibited to customers name. Refund will be realised after loan disturbement, at latest on the second weeks last working day after presenting the invoice. - Appraisal fee: free of charge - Ownership documentation request fee (TAKARNET): Electronic title deed query needed for loan application is free of charge. Electronic title deed query fee is refunded (end of distraint) by the Bank after loan disturbement, at latest on the second weeks last working day on customers account. - Mortgage registration fee: free of charge In case of Raiffeisen Premium Personal Loan with Real Estate Collateral for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customers own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtors account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. Proof of income is needed for application of Raiffeisen Premium Personal Loan with Real Estate Collateral. THM: 12,11% For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM:13,13%. For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 8.3. Raiffeisen Premium Egyetlen loan - consolidation loan for Home Mortgage and Personal Loan with Real Estate Collateral Bank offers for Premium Banking customers 0,50% interest discount from the interest specified in the effective Terms and Conditions for Loans I., or in its successor. In case of Egyetlen Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customers own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtors account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month.

16 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

If the customers Premium membership terminates, the conditions of the effective List of Conditions for Loans I., or its successor, regarding Raiffeisen Egyetlen Loan will be applied to the conditions of Raiffeisen Premium Egyetlen Loan from the next interest rate period. Proof of income is needed for application of Raiffeisen Premium Egyetlen loan.

THM: 11,51% (in case of consolidaton loan for Home Loan) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 11,62 % (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,46% (in case of consolidaton loan for Home Loan) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 THM: 12,57% (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011

8.4. Raiffeisen Premium Home Protection Loan Bank offers for Premium Banking customers 0,50% interest discount from the interest specified in the effective Terms and Conditions for Loans I., or in its successor. In case of Home Protection Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customers own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtors account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. If the customers Premium membership terminates, the conditions of the effective List of Conditions for Loans I., or its successor, regarding Raiffeisen Home Protection Loan will be applied to the conditions of Raiffeisen Premium Home Protection Loan from the next interest rate period. Proof of income is needed for application of Raiffeisen Premium Home Protection Loan.

THM: 11,51% (in case of consolidaton loan for Home Loan) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 11,62 % (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,46% (in case of consolidaton loan for Home Loan) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 THM: 12,57% (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011

The THM was determined in accordance with the current conditions and the legal provisions in force and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The value of the THM does not reflect the interest risk of the loan. The THM was calculated for all home loan and personal loan with real estate collateral 5.000.000 HUF amount, 20 years tenor and equable settlement period. There is no need to open an account with account keeping fee for loan contracting. The THM was determined in accordance with the HUF payments and exchange rates effective on the first working day of the month preceding the current quarter. Effective exchange rates: FX buy rate 263,54 HUF/EUR, FX sell rate 269,94 HUF/EUR. Credit evaluation fee is debited only in case of positive evaluation, approved loan. THM value calculated in this Condition List aims for orientation of customers.

Exchange rates: In case of prepayment of foreign currency based loan, disbursed in HUF apart from the due monthly installments the Bank uses the exhange rate effective on the day of the payment (booking) for the conversion of the amount credited in HUF. Home loan/ reconstruction 17 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

loan will be converted at the FX mid-rate determined by the Bank, other loans will be converted at FX sell rate. Effective rates are available on the homepage of the Bank under the following menu: www.raiffeisen.hu Aktulis/rfolyamok/Lakossgi gyfeleink rszre

8.5. Raiffeisen Personal Loan 50% discount on the standard loan appraisal fee specified in the effective Terms and Conditions for Loans. If the effective discount on the loan appraisal fee advertised in the effective Retail Terms and Conditions for standard customers reaches or exceeds the discount specified in these Terms and Conditions, Premium customers who apply for loans are also entitled to the loan appraisal fee discount specified in the effective Retail Terms and Conditions. Conditons valid for Personal Loans disbursed form 17.11.2011. until 01.01.2012. THM Ranking category A1 A2 A3 200 000 HUF -1 000 000 HUF 23,6% 28,0% 29,9% 1 000 000 HUF -5 000 000 HUF 23,6% 28,0% 29,9%

The THM was determined in accordance with the current conditions and the legal provisions in force, and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The exact THM is included in the individual loan contracts, may can differ from THM in Condition List.. Regarding to the valid rules for the amounts form 200.000 HUF to 1.000.000 HUF the value of THM is calculated for 500.000 HUF amount and 3 years tenor. For the amounts above 1.000.000 HUF the value of THM is calculated for 3.000.000 HUF amount and 5 years tenor.

Conditions described in 8.1 - 8.4 points are valid for new loan application since 7th October 2011. Customer has to have a signed Premium Supplemetary Contract when applying for loan. In case customers Premium Banking status has been changed in case of loans described in 8.1 8.4 points in twelve months time since loan disbursement, Bank is entitled to encumber on customers account fees described in Mortgage loan contract supplementary in one sum. All other terms are valid in accordance with the latest effective terms and conditions for Loans and Unsecured Loans.

8.6. Premium Bank Account Loan Bank Account Loan conditions valid from 8th August 2011 until 5th September 2011. ForintManagement fee THM Products based in the case interest of a Premium rate Gold Account Package Free of charge in the first Overdraft facility year of the use (without collateral) With monthly 19.02% The annual overdraft : 29.2% interest rollover p.a. credit fee is debited from the Customers bank account when due. The

THM in the case of a Premium Account Package

Term

Credit limit

36.9%

Open-ended

HUF 60,000 HUF 1,000,000

18 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

Bank Account Loan conditions valid from 6th September 2011 until withdrawn. ForintManagement fee THM Products based in the case interest of a Premium rate Gold Account Package Free of charge in the first Overdraft facility year of the use, (without collateral) 2,00% from the second With monthly year interest rollover The annual overdraft credit fee is debited from the Customers bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

THM in the case of a Premium Account Package

Term

Credit limit

20,00% p.a.

30,3%

38,00%

Open-ended

HUF 70,000 HUF 1,000,000

The terms of the product are valid in the case of a new Premium Overdraft Facility. All other terms are valid in accordance with the latest effective terms and conditions for Unsecured Loans. Maximum credit limit that may be applied for on the first occasion: HUF 750,000. Using available overdraft facility until HUF 3.000 the Bank does not charge interest rate. In case of transgression of overdraft facility limit the Bank will use standard interest rates for the interest-free amount to the period of trabsgression of overdraft facility limit. The THM was determined in accordance with the latest terms and the legal provisions in force, and its value may change if the conditions change. The definition of the THM refers to a HUF 375,000 purchase limit and a 3-month term. The THM value related to the specific offer is determined in the individual contract, which differs (may differ) from the above value. The value of the THM does not reflect the interest risk of the loan. The annual percentage rate is calculated on the basis of the following formula:

Where:

H: the loan amount, less the costs related to the drawdown of the loan Ak: the amount of the kth repayment instalment m: the number of repayment instalments tk: the time of the kth repayment expressed in years or part-years i: value of the THM

19 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

9. Fixed deposits 9.1. Fixed-term forint deposit The terms and conditions applicable to deposits that can be fixed on the Raiffeisen Long-term Investment Deposit Account are set out in the effective Raiffeisen Long-term Investment Deposit Account Terms and Conditions. For Premium customers, the management of the Raiffeisen Long-term Investment Deposit Account is free of charge.

9.1.1. Premium fixed-term forint deposit The conditions in the table below apply to new deposit-fixing orders issued after 6 April 2011, until withdrawn. 1 month 2 months 3 months 6 months 9 months Annual interst Annual interst Annual interst Annual interst Annual interst Limit /AER /AER /AER /AER /AER HUF 100.000 499.999 2,20% 2,30% 2,50% 3,00% 2,20% HUF 500.000 2,70% 2,80% 3,00% 3,50% 2,70% 1.199.999 HUF 1.200.000 2,80% 2,90% 3,10% 3,60% 2,80% 2.399.999 HUF 2.400.000 2,90% 3,00% 3,20% 3,70% 2,90% 4.999.999 HUF 5.000.000 3,00% 3,10% 3,30% 3,80% 3,00% 19.999.999 From HUF 20.000.000 3,10% 3,20% 3,40% 3,90% 3,10%

12 months Annual interst /AER 3,00% 3,50% 3,60% 3,70% 3,80% 3,90%

In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Fixed HUF Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions. 9.1.2. Premium Indexed Fixed Deposit The conditions in the table below apply to new deposit-fixing orders issued after 2 November 2009, until withdrawn. 1 week Annual interest /AER 1 week BUBOR 3.25% 1 week BUBOR 2.75% 1 week BUBOR 2.50% 2 weeks Annual interest /AER 2 week BUBOR 3.00% 2 week BUBOR 2.50% 2 week BUBOR 2.25%

Limit HUF 500,0001,999,999 HUF 2,000,000 4,999,999 From HUF 5,000,000

When opening the fixed deposit, we take into consideration the BUBOR values registered on the second working day prior to the day of opening the fixed deposit as specified in the Hungarian National Bank's Official BUBOR fixings table. In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Indexed Fixed Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions. 9.1.3. Individual deposits The Bank may set deposit interest rates under individual (customised) terms.

20 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

9.1.4. Raiffeisen Trust Time Deposit The promotional offer is valid for 3-month and 6-month tenor time deposits opened after 15 December, 2011 until withdrawal.

sszeghatr HUF 200.000 499.999 HUF 500.000 1.199.999 HUF 1.200.000 2.399.999 HUF 2.400.000 4.999.999 HUF 5.000.000 19.999.999 From HUF 20.000.000

3 months Annual rate/ EBKM Non promotional EBKM 2.50% 3.00% 3.10% 6.50% 3.20% 3.30% 3.40%

6 months Annual rate/ EBKM Non promotional EBKM 3.00% 3.50% 3.60% 7.00% 3.70% 3.80% 3.90%

The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 3-month and 6-months tenor time deposits annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Trust Time Deposit can be required for all HUF Raiffeisen Account Packages. The Raiffeisen Trust Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. 9.1.5. Raiffeisen Active Time Deposit The promotional offer is valid for 6-month tenor time deposits opened after 15th December, 2011 until withdrawal. The Raiffeisen Active Time Deposit promotional interest rate will be set, if our customer pledges to fulfill entirely all the following conditions: Starting from the month after the date of depositing, at least in four consecutive months: a) there is regular monthly incoming transfer of minimum 120,000 HUF from non Raiffeisen Bank source to the customers HUF current account held with Raiffeisen Bank in maximum two amounts. The required credit cannot be fulfilled through cash deposit in branches. b) monthly at least 4 transactions ad hoc payment orders*, standing payment orders, direct debits, cash withdrawal or purchase with her/his Raiffeisen bank- or/and creditcard** initiated by the customer are fulfilled. 6 months Interest tiers HUF HUF HUF HUF HUF HUF 200.000 499.999 500.000 1.199.999 1,200.000 2.399.999 2,400.000 4.999.999 5.000.000 19.999.999 20.000.000 Annual rate / EBKM Non promotional EBKM 3.00% 3.50% 3.60% 3.70% 3.80% 3.90%

7.50%

Each month only the irrevocable debited and credited transactions are considered when examining the fulfilment of the conditions. If our client possesses more than one Raiffeisen Active Time Deposit during the promotional period in a month, and pledged to fulfill the above mentioned conditions, in case of fulfilling the conditions concerning one term deposit, it means the conditions are fulfilled for all the other promotional term deposits. The promotional offer is only valid for the first period of the time deposit. In case of automatically renewing time deposits after the first interest period the interest rates will be set according to 6-month tenor time deposits annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Active Time Deposit can be required for all HUF Raiffeisen Account Packages, except Raiffeisen Base Account Package. The promotional interest rate can be achieved if the Client does not change down to Raiffeisen Base Account Package during the term of time deposit. 21 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

If the client does not fulfill the conditions of Raiffeisen Active Time Deposit, the Bank has the right to set posterior at least on the working day before the time deposit expires /rolls over - the interest rate of the Raiffeisen Active Time Deposit according to the actual 6 months time deposits interest rates, mentioned in the 9.1.1. point of the actual List of Conditions. The Raiffeisen Active Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. * In-Bank transfers between the customers own accounts are not taken into consideration. ** Irrevocable debited transactions are considered which are initiated by the clients bank and/or credit cards or supplementary cards linked to the clients accounts. Paying postal check or other services by credit-/bankcard at the post offices is considered as cash withdrawal.

9.1.6. Raiffeisen Ideal Time Deposit The promotional offer is valid for 6 and 12-month tenor time deposits opened after 15th December, 2011 until withdrawal. In Raiffeisen Ideal Time Deposit exclusively fresh money - derived from non Raiffeisen Bank source according to the closing balance available on 28th October, 2011* - can be deposited. 6 months Interest tiers HUF 200,000 499,999 HUF 500,000 1,199,999 HUF 1,200,000 2,399,999 HUF 2,400,000 4,999,999 HUF 5,000,000 19,999,999 HUF 20,000,000 50,000,000 Annual rate / EBKM 12 months For fresh money Non promotional EBKM Annual rate / EBKM Non promotional EBKM 3,00% 3,00% 3,50% 3,50% 3,60% 3,60% 8,00% 3,70% 3,70% 3,80% 3,80% 3,90% 3,90%

8,00%

The maximum amount can be deposited in Raiffeisen Ideal Time Deposit is the difference of the sum balance of savings available when the order is given, and the sum closing balance of savings available on 28th October 2011 but at least HUF 200,000, and maximum HUF 50,000,000. The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6 and 12-month tenor time deposits annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Ideal Time Deposit can be required for all HUF Raiffeisen Account Packages, except Raiffeisen Base Account Package. The promotional interest rate can be achieved if the Client does not change down to Raiffeisen Base Account Package during the term of time deposit. The smallest amount is HUF 200,000, and the maximum amount is HUF 50,000,000 which can be deposited in the promotion per customer. The Raiffeisen Ideal Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. *According to the closing balance available on 28th October, 2011. of customers bank account, time deposits and the value of the securities account. In case of deposits in foreign currencies the balance is calculated with the actual foreign currency/HUF midrate valid on 28th October, 2011.

22 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

9.2. Fixed-term foreign currency deposit 9.2.1. Premium fixed-term foreign-currency deposit The conditions in the tables below apply to new deposit-fixing orders issued after 3rd October 2011, until withdrawn. Currency: EUR 1 month 3 months 6 months 12 months Limit Annual interest/AER Annual interest/AER Annual interest/AER Annual interest/AER EUR 1,000 9,999 0.20% 0.30% 1,00% 1,00% EUR 10,000 49,999 0.25% 0.35% 1,05% 1,05% EUR 50,000 74,999 0.70% 0.80% 1,50% 1,50% From EUR 75,000 0.80% 0.90% 1,60% 1,60% Currency: USD Limit USD 1,000- 9.999 USD 10,000 49,999 USD 50,000 99,999 From 100,000 1 month Annual interest/AER 0.10% 0.10% 0.10% 0.20% 3 months Annual interest/AER 0.15% 0.15% 0.15% 0.25% 6 months Annual interest/AER 0.30% 0.30% 0.30% 0.40% 12 months Annual interest/AER 0.60% 0.60% 0.60% 0.70%

Currency: GBP 1 month 3 months 6 months 12 months Limit Annual interest/AER Annual interest/AER Annual interest/AER Annual interest/AER GBP 700 6,999 0.15% 0.25% 0.50% 0.70% GBP 7,000 34,999 0.20% 0.30% 0.55% 0.75% GBP 35,000 69,999 0.25% 0.35% 0.60% 0.80% From GBP 70,000 0.45% 0.55% 0.80% 1.00% In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Indexed Fixed Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions.

9.2.2. Promotional EUR Time Deposit The promotional offer is valid for 6 and 12-month tenor time deposits opened after 15th November, 2011. The promotional offer is valid until withdrawal. Foreign currency: EUR Interest tiers EUR 1 000- 9 999 EUR 10 000 49 999 EUR 50 000 74 999 EUR 75 000 6 months Annual rate/ EBKM Non promotional EBKM 1,00% 1,05% 1,50% 1,60% Annual rate/ EBKM 12 months Non promotional EBKM 1.00% 1.05% 1.50% 1,60%

3.50%

4.00%

The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6 and 12-month tenor time deposits annual rates mentioned point 9.2.1. of the actual List of Conditions. The non promotional EBKM value is valid for automatically renewing non-capitalized time deposits. For EBKM calculations the actual 6 and 12-month tenor time deposits annual rates mentioned in 9.2.1. point of the actual List of Conditions have been used. The Fresh Money Promotional EUR Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt.

9.2.3. Raiffeisen Euro Time Deposit FOR FRESH MONEY The promotional offer is valid for 6-month tenor time deposits opened after 1st December, 2011 until withdrawal. In Raiffeisen Euro Time Deposit exclusively fresh money - derived from non Raiffeisen Bank source according to the closing balance available on 28th October, 2011* - can be deposited.

23 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Foreign currency: EUR Interest tiers EUR 1 000- 9 999 EUR 10 000 49 999 EUR 50 000 74 999 EUR 75 000 200 000

Annual rate/ EBKM

4,00%

6 months Non promotional EBKM 1,00% 1,05% 1,50% 1,60%

The maximum amount can be deposited in Raiffeisen Euro Time Deposit is the difference of the sum balance of savings available when the order is given, and the sum closing balance of savings available on 28th October, 2011, but at least EUR 1 000, and maximum EUR 200 000. In case our Client had / has only EUR savings on the certain dates mentioned above, then the sum of the increment is calculated in EUR, otherwise in HUF. The maximum deposited amount can be the increment calculated in HUF which is changed to euro on the actual EUR/HUF midrate at the time of opening the time deposit. In case of currency conversion the maximum deposited amount may differ from the one calculated before because of the actual currency buying/selling rates and other inccuring costs. The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6-month tenor time deposits annual rates mentioned point 9.2.1. of the actual List of Conditions. *According to the closing balance available on 28th October, 2011 of customers bank account, time deposits and the value of the securities account. In case of deposits in foreign currencies we calculate with the actual foreign currency/HUF midrate valid on 28th October, 2011. The Raiffeisen Euro Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt.

9.2.4. Promotional 6-Month Premium USD Fixed Deposit The discount offer applies, until withdrawn, to new deposit-fixing orders issued after 13th May 2010. The interest rates available during the period of the promotion: Currency: USD 6 months Limit Annual interest/Promotional AER USD 1,000 9,999 0.70% USD 10,000 49,999 0.90% EUR 50.000 USD 99,999 From USD 100,000

Non-promotional AER 0.30% 0.30% 0.30% 0.40%

In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the 6-month USD deposit interest rate indicated in section 10.2.1 of the effective Premium Banking Terms and Conditions. The fixed deposits described in sections 10.1 and 10.2 of these Terms and Conditions are available only at Raiffeisen bank branches and via Raiffeisen Direkt. If the Premium Banking service is used, all the fixed deposits published in the Retail Terms and Conditions are available. In the case of orders submitted via Raiffeisen Direct and at the branch, the Bank accepts deposit-fixing orders received until 16.00 hours for immediate execution. Deposit-fixing orders given via Raiffeisen DirektNet on a bank working day are executed on the same day up until closing time of the day concerned, and deposit-fixing orders given after the end-of-day close or on weekends/bank holidays are executed on the next bank working day. The precise value date of execution of an order given via DirektNet after 17.00 hours, which depends on the closing time of the day concerned, is confirmed to you by DirektNet at the time the deposit is opened. The interest rate is fixed throughout the term of the deposit. These Terms and Conditions indicate the interest before the deduction of interest tax. In cases that are not regulated in these Terms and Conditions, the provisions of the effective Retail Terms and Conditions shall apply.

24 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

9.2.5. Raiffeisen Mix Combined Premium Euro Deposit 50% of the Raiffeisen Mix Combined Premium Euro Deposit consists of a 6-month promotional euro fixed deposit and the other 50% is made up of investment fund units of the following investment funds: Investment funds of Aberdeen Asset Management (Hungary): Aberdeen European Fund of Property Funds, Credit Suisse Inflation-Linked Bond, Aberdeen Global European Equity, Aberdeen Global World Equity, Aberdeen Global Emerging Markets Investment fund units of Allianz Fund Management (Hungary): Allianz European Equity Growth, Allianz BRIC, Allianz China Investment fund units of BNP Paribas Fund Management (Hungary): Parvest World Agriculture Investment fund units of Franklin Templeton Investments (Hungary): Templeton Global Bond, Templeton BRIC, Templeton Global Total Return, Templeton Asian Growth, Templeton Eastern Europe Equity Investment funds of ING Fund Management (Hungary): ING (L) Renta Fund EMD Hard Currency, ING (L) Invest Global High Dividend, Equity Fund of Funds EUR, ING (L) Renta Fund Global High Yield, ING (L) Invest Prestige & Luxe, ING Invest Latin-America EUR, ING Invest Greater China EUR, ING Global Opportunities EUR, ING (L) Prestige and Lux Investment fund units of Raiffeisen Investment Fund Management (Hungary): Raiffeisen Perspektva EUR Fund, Raiffeisen Private Banking Duna Fund of Funds, Raiffeisen Private Banking Rajna Fund of Funds Investment funds of Raiffeisen Capital Management: Raiffeisen Absolute Yield Balanced Global Fund of Funds, Raiffeisen Eurasia Equity Fund, Raiffeisen Infrastructure Equity Fund, Raiffeisen Emerging Markets Equity Fund, Raiffeisen Energy Equity Fund, Raiffeisen Europa Equity Fund, Raiffeisen Europa SmallCap Fund, Raiffeisen EUR Short Term Bond, Raiffeisen EuroPlus Bond Fund, Raiffeisen EUR Corporate Bond Fund, Raiffeisen Global Fundamental Equity Fund, Raiffeisen Global Mix Fund, Raiffeisen Global Bond Fund, Raiffeisen Global Equity Fund, Raiffeisen Healthcare Equity Fund, Raiffeisen Easter Europe Bond Fund, Raiffeisen Eastern Europe Equity Fund, Raiffeisen Pacific Rim Equity Fund, Raiffeisen Russia Equity Fund, Raiffeisen Top Dividend Equity Fund, Raiffeisen Top Selection Guaranteed Investment Fund, Raiffeisen US Equity Fund, Raiffeisen European High Yield Bond Fund, Raiffeisen Emerging Market Bond Fund, Raiffeisen Active Commodities Fund. The investment fund units purchased within the Raiffeisen Mix Combined Premium Euro Deposit can be selected in a ratio decided on by the Customer. The offer regarding the promotional fixed deposit portion of the Raiffeisen Mix Combined Premium Euro Deposit is valid for new 3-month deposit-fixing orders given from 15 November 2011. In order to request a Raiffeisen Mix Combined Premium Euro Deposit, the Customer must purchase investment fund units in the value of at least EUR 1,000, then, on the same bank working day, he must give an express order, of an amount equal to the amount spent on purchasing the investment fund units, regarding the fixing of the promotional deposit portion of the Raiffeisen Mix Combined Premium Euro Deposit. The Customer is only entitled to the promotional fixed deposit interest if he does not redeem the investment fund units purchased as part of the Raiffeisen Mix Combined Premium Euro Deposit during the term of the fixed deposit. Elements of the Raiffeisen Mix Combined Deposit: RAIFFEISEN MIX COMBINED PREMIUM EURO DEPOSIT PROMOTIONAL FIXED DEPOSIT INVESTMENT FUNDS 50% of the Raiffeisen Mix Combined Premium Euro Deposit 50% of the Raiffeisen Mix Combined Premium Euro Deposit NonAnnual Limit Futamid Limit Investment fund units promotional interest/AER AER EUR 1,000 9,999 0.30% EUR 1,000 9,999 All the investment fund EUR 10,000 49,999 0.40% EUR 10,000 49,999 units indicated in the Retail EUR 50,000 74,999 0.80% EUR 50,000 74,999 3 EUR 75,000 0.90% EUR 75,000 3.50% and Premium terms and months
conditions, denominated in EUR*

The promotional offer is valid for the first period of the fixing. In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the benchmark interest rate applicable to 3-month deposits indicated in the latest effective section 10.2.1 of the effective Premium Banking Terms and Conditions. The yield of the Investment Funds, constituting the other component of the offer, may vary according to the return on the investment instruments contained in the Funds. The historic yield of the Funds does not constitute any guarantee for the future yield. The risk levels, interest and availability of the investment and deposit portions of the Raiffeisen Mix Combined Premium Euro Deposit are different.

25 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

The latest conditions related to the Funds and indicated in this offer are set out in the effective Investment Products Retail Terms and Conditions and the Premium Banking Terms and Conditions. If any of the conditions of the Raiffeisen Mix Combined Premium Euro Deposit are not fulfilled, then, by not later than the bank working day preceding the expiry/rollover date of the deposit fixed as part of the promotion, the Bank may subsequently adjust the interest on the fixed deposit to the interest rate corresponding to the benchmark interest rate applicable to the 6-month deposit announced in the latest effective section 10.2.1 of these Terms and Conditions. The Raiffeisen Mix Combined Euro Deposit is only available at Raiffeisen Bank branches. * Except for the Raiffeisen Euro Liquidity Fund.

9.2.6. Individual deposits The Bank may set deposit interest rates under individual (customised) terms.

26 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

10. Investment services 10.1. Investment notes of Raiffeisen Investment Funds-Hungary and Raiffeisen Capital Management If the Premium Banking service is used, all investment fund units that are regulated in the Investment Products Terms and Conditions are available. The conditions of the Raiffeisen Fund Manager investment fund units are identical to the conditions defined in the effective Investment Product Terms and Conditions. 10.2. Investment notes units of independent fund managers As part of the Premium Banking service, in addition to the available funds regulated in the effective Investment Products Terms and Conditions, the products of the following fund managers are also available: Investment fund units of Aegon Fund Management (Hungary) ISIN code Name Currency Sales commission 1%, min. HUF 3000 1%, min. HUF 3000 1%, min. HUF 3000 1%, min. HUF 3000 1%, min. HUF 3000 1%, min. HUF 3000 Redem ption commi ssion HUF 2000 HUF 2000 HUF 2000 HUF 2000 HUF 2000 HUF 2000 Execution of purchase orders T+1 T+1 T+1 T+1 T+1 T+1 Execution of redemption orders T+2 T+2 T+2 T+2 T+2 T+2

HU0000702485

Aegon International Equity Fund Aegon zon Annual Capital Protected Derivative Fund Aegon Asia Investment Fund of Funds Aegon Russia Equity Fund Aegon IstanBull Equity Fund Aegon Atticus Alfa Derivative Fund

HUF HUF HUF HUF HUF HUF

HU0000705157

HU0000705272 HU0000707401 HU0000707419 HU0000703970

Performance cut-off times Orders submitted by 13:00 hours are executed in accordance with the following conditions: Execution of purchase orders Execution of redemption orders Exchange rate applied bank working day following the issue of the order 2nd bank working day following the issue of the order exchange rate valid on the day of the order

Investment funds of ING Fund Management (Hungary) ISIN code Name Currency Sales commission 2%, min. EUR 25 2%, min. EUR 25 2%, min. EUR 25 2%, min. USD 30

Redem ption commi ssion HUF 0 HUF 0 HUF 0 HUF 0

Execution of purchase orders T+5 T+4 T+4 T+4

Execution of redemption orders T+5 T+4 T+4 T+4

LU0273689215

ING (L) Invest Greater China ING (L) Invest Latin America ING (L) Prestige and Luxe ING (L) Food and Beverages

EUR EUR EUR USD

LU0273689645

LU0119214772

LU0119207214

27 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Investment fund units of Aberdeen Asset Management (Hungary)

ISIN code
LU0175163459 LU0094547139 LU0094541447 LU0011963831 LU0132412106 LU0011963245 LU0498189041 LU0498181733 HU0000709209

Name Credit Suisse Inflation-Linked Bond Aberdeen Global World Equity Aberdeen Global European Equity Aberdeen Global American Equity Aberdeen Global Emerging Markets Equity Aberdeen Global Asia Pacific Equity Aberdeen Global World Equity Aberdeen Global Emerging Markets Aberdeen Investment Fund Investing Into Latin-America Equity Funds

Currency EUR USD EUR USD USD USD EUR EUR HUF

Sales commission 1%, min. EUR 25 2%, min. USD 30 2%, min. EUR 25 2%, min. USD 30 2%, min. USD 30 2%, min. USD 30 2%, min. EUR 25 2%, min. EUR 25 2%, min. HUF 3000

Redem ption commi ssion 0 0 0 0 0 0 0 0 0

Execution of purchase orders T+3 T+5 T+5 T+5 T+5 T+5 T+5 T+5 T+1

Execution of redemption orders T+3 T+5 T+5 T+5 T+5 T+5 T+5 T+5 T+11

Investment fund units of Allianz Fund Management (Hungary) ISIN code


LU0256839274 LU0293313325 LU0527936024 LU0527935992 LU0348827899

Name Allianz European Equity Growth EUR Allianz BRIC EUR Allianz Europe Equity Growth Allianz BRIC Allianz China

Currency EUR EUR HUF HUF EUR

Sales commission 2%, min. EUR 25 2%, min. EUR 25 2% min. HUF 3000 2% min. HUF 3000 2%, min. EUR 25

Redem ption commi ssion 0 0 0 0 0

Execution of purchase orders T+3 T+3 T+3 T+3 T+3

Execution of redemption orders T+3 T+3 T+3 T+3 T+3

Investment fund units of BNP Paribas Fund Management (Hungary) Redem ption commi ssion 0 0 0 Execution of purchase orders T+3 T+3 T+5 Execution of redemption orders T+3 T+3 T+5

ISIN code

Name

Currency

Sales commission 2%, min. HUF 3000 1%, min. HUF 3000 2% min. 25 EUR

LU0531975588 LU0531564010 LU0363509208

BNPP L1 World Commodities BNPP L1 Bond World Emerging Local Parvest World Agriculture

HUF HUF EUR

28 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Investment fund units of Franklin Templeton Investments (Hungary)

ISIN code

Name

Currency

Sales commission 1%, min. EUR 25 1%, min. USD 30 1%, min. 25 EUR 2%, min. EUR 25 2%, min. USD 30 1%, min. EUR 25 1%, min. USD 30 2%, min. EUR 25 2%, min. USD 30 2%, min. EUR 25 1% min. HUF 3000 2% min. HUF 3000 1% min. HUF 3000

LU0170475155 LU0122614208 LU0260870588 LU0229946891 LU0229945810 LU0260870745 LU0170477797 LU0260870406 LU0152928064 LU0122613903 LU0517464813 LU0517465380 LU0517465208

Templeton Global Bond (Euro) Templeton Global Bond Templeton Global Bond Templeton BRIC Templeton BRIC Templeton Global Total Return Templeton Global Total Return Templeton Asian Growth Templeton Asian Growth Templeton Eastern Europe Equity Templeton Global Bond Templeton Asian Growth Templeton Global Total Return

EUR USD EUR EUR USD EUR USD EUR USD EUR HUF HUF HUF

Rede mptio n comm ission 0 0 0 0 0 0 0 0 0 0 0 0 0

Execution of purchase orders T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3

Execution of redemption orders T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3 T+3

Distribution channels Branch Purchase and redemption of investment fund units yes Raiffeisen Direkt yes Raiffeisen Internet Brokering no

Order acceptance deadline Purchase/sale orders: 10.3. Securities deposit account management Securities account management

13:00

An annual 0.11%, min. HUF 750, max. HUF 15,000/quarter

The securities account keeping fee is determined on the basis of the average quarterly volume of the securities, at face value in the case of government securities, at the end-of-quarter stock exchange closing rate in the case of equity, and at the end-of-quarter net asset value in the case of investment fund units. 10.4. Long-term Investment Securities Account Long-term Investment Securities Accounts may only be opened alongside an existing (or newly opened) securities account managed by Raiffeisen Bank. Minimum amount that must be placed at account-opening: HUF 25,000. Securities account keeping fee The bank does not charge a separate fee for the management of the Long-term Investment Securities Account. The balance of the Long-term Investment Securities Account is considered part of the balance of the securities account.

29 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

Securities transactions The costs of the securities transactions executed on the Long-term Investment Securities Account are identical to the costs of the securities transactions regulated in the Investment Products Terms and Conditions. Payment and securities transfer Payments are only possible to the Customers forint cash account related to the securities managed by Raiffeisen Bank, from which the Customer may request intra-bank transfers to the Long-term Investment Account. Intra-bank transfers to the Long-term Investment Securities Account are only possible from the NYESZ-R Account. Pursuant to the relevant legal regulations, only forint amounts may be placed on the account. Order channels: Conclusion of a Long-term Investment Securities Account at the branch Securities transactions via Raiffeisen Direct and the branch Securities with a forint base currency only Securities listed in the equity section of the Budapest Stock Exchange Government securities Bonds issued by Raiffeisen Bank Bonds issued by Raiffeisen Bank* Trading of investment bond units on the basis of the Premium Banking Terms and Conditions and Investment Products Terms and Conditions 0.00%

Available products:

Interest on cash account:

*From 02.11.2011 Raiffeisen Bonds can be sold and re-bought to a Permanent Investment Securities Sub-Account on Fridays at the daily mid-rate.

30 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

11. Raiffeisen Regular Investment The latest conditions related to the Raiffeisen Regular Investment are set out in the effective Investment Products List of Conditions. As part of the Premium Banking service, in addition to the available funds regulated in the effective Investment Products List of Conditions, the investment notes issued in Hungary are also available, which are included in chapter 4 of the effective Investment Products List of Conditions (External Investment Funds) and in chapter 10.2 of Premium Banking Terms and Conditions (Investment notes units of independent fund managers). In case of Futura Money market fund sales comission is 0,4%.In case of Independent Fund Manager Investment Funds the standard sales commission will be charged without minimum investment fee charge.

31 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

12. Savings Program 12.1. Limits Minimum amount of regular payments HUF 10,000/month HUF 30,000/quarter HUF 60,000/semester HUF 120,000/year Minimum amount of one-off payments Maximum amount of partial redemption 12.2. Fees, commissions Fee for regular/one-off payments: Redemption fee: Modification fee: reduction of the regular payment amount, changing of investment package/period/due date Fee for redemption executed within 5 working days from contract conclusion: 12.3. Investment packages Current Ratio Package I RAGA Package II RAIA RAKA RAPA RAAK Package III RAIA RAKA RAPA RAAK RARA RANRA Package IV RAIA RAKA RAPA RAAK RARA RANRA 100% Current Ratio 0% 25% 75% 0% Current Ratio 0% 10% 50% 10% 15% 15% Current Ratio 0% 7,5% 32,5% 20% 20% 20% 0% 0.5% HUF 3,000 Date of debiting in-payment booking date on redemption execution day HUF 10,000/payment not more than 80% of the current investment value.

2%

on redemption execution day

Minimum Ratio 100% Minimum Ratio 0% 10% 10% 0% Minimum Ratio 0% 5% 5% 0% 10% 0% Minimum Ratio 0% 0% 0% 0% 15% 0%

Maximum Ratio 100% Maximum Ratio 65% 40% 100% 20% Maximum Ratio 50% 30% 80% 15% 30% 20% Maximum Ratio 40% 25% 65% 30% 40% 25%

Neutral Ratio 100% Neutral Ratio 25% 25% 40% 10% Neutral Ratio 15% 15% 30% 10% 20% 10% Neutral Ratio 5% 10% 25% 20% 25% 15%

The Neutral Ratio is used for calculating the historic yield of the packages.

32 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

12.4. Insurance available for the Savings Program

Raiffeisen Care Basic Service cost monthly quarterly semi-annually annually Risk element Death by any cause Accidental death Disability due to accident Reduction in working capacity, grade TB I and II HUF HUF HUF HUF 299/month 897/quarter 1,794/semester 3,588/year

Raiffeisen Care Plus Until 26 June 2006: Package A HUF 399/month HUF 1,197/quarter HUF 2,394/semester HUF 4,788/year Insurance amount HUF 500,000 HUF 500,000 HUF 500,000 HUF 500,000

Raiffeisen Care Extra Until 26 June 2006: Package B HUF 599/month HUF 1,797/quarter HUF 3,594/semester HUF 7,188/year

HUF 1,000,000 HUF 1,000,000 -

HUF 750,000 HUF 1,000,000 HUF 1,000,000 HUF 1,000,000

Raiffeisen Assistant domestic assistance service Raiffeisen Assistant Service cost monthly quarterly semi-annual annual 12.5. Savings Program service channels Branch Application for Horizons Program/insurance Changing of the minimum amount of regular payments Changing of the period of regular payments Changing of the due date of regular payments Changing of the investment package of regular payments Application for a new investment package (in the case of an existing contract) Initiation of new payments Order for redemption of partial/full amounts yes yes yes yes yes yes yes yes Raiffeisen Direkt no yes yes yes no no yes yes Raiffeisen Internet Brokering no no no no no no no no HUF 599/month HUF 1,797/quarter HUF 3,594/semester HUF 7,188/year

The performance dates are regulated by the effective Investment Products Terms and Conditions.

33 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

13. Financial planning Fee for the financial planning that may be requested from a Premium Banking advisor by Premium Banking customers: HUF 0/instance of financial planning Financial planning means the one-off preparation and presentation of the financial plan provided by the Premium Banking advisor in accordance with the needs of the Customer.

34 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

14. Other conditions, partner discounts Various partner discounts may be available in relation to the Premium Account Package and/or Premium cards. Additional information about partner discounts, the rate of the discounts and the conditions of eligibility is available at www.raiffeisen.hu/premium.

35 Raiffeisen Bank Zrt. 1054 Budapest, Akadmia utca 6. Raiffeisen Direkt: (06-40) 48-48-48 Capital Court as Registry Court Trade register number: 01-10-041042

You might also like