List of conditions for private individuals. III/1. Loans without collateral coverage

Transcription

1 List of conditions for private individuals III/1. Loans without collateral coverage In compliance with Resolution No. MNB H-FH-I-B-55/2014 of the Central Bank of Hungary, as from 11 March 2014 MKB Bank has not been transferring the transaction tax imposed on the banks by Act CXVI of 2012 onto its customers. The modification of the Lists of Conditions is in progress, until its finalisation, however, wherever the bank fee includes a transaction element, such element should be deemed unstated. The MNB resolution acknowledged the legal possibility of unilaterally transferring the transaction tax onto consumers, the objection specified therein was related only to the method of enforcement. The above information concerns only the unilaterally modified contracts objected by the MNB, therefore it shall not apply to the transaction fees charged for the repayment items of the particular loans specified in the lists of conditions which were agreed by the customers when signing the relevant agreements. In effect: 01 February 2016 Pursuant to Article 33 of Act CLXII of 2009 on Consumer Credits (Consumer Credit Act) entered into force by Act LXXVIII of 2014, as well as Act LXXVII of 2014 on the change in the foreign currency denomination of certain household loans and interest rate rules (HUF Conversion Act), the Bank shall send individual letters of notification to its customers on the applicable conditions as a result of the changing consumer loan agreements, therefore in the case of the concerned consumer loan agreements, instead of certain conditions included in the current List of Conditions, the conditions to be specified in the individual letters of notification shall apply. The Bank shall send the individual letters of notification in accordance with the deadline established in the relevant legislation. Based on the above the conditions included in the current List of Conditions shall be fully applicable to the loan agreements not covered by the referred provision of the Consumer Credit Act and the HUF Conversion Act.

2 Table of Contents MKB Overdraft credit... 3 MKB Frissítő (Refreshing) and MKB Frissítő (Refreshing) Extra Overdraft credit... 4 MKB Egyszerű (Simple) Overdraft credit... 5 MKB Personal Loan... 6 MKB Keretnövelő (Limit Increasing) Personal Loan... 7 Standard Credit Card products... 8 Gold Credit Card products... 9 Credit interest and card fee data of Miles & More MKB Credit Cards MKB EasyCard Credit Card MKB Jótét Credit Card MKB Egészség Plusz (Health Plus) Credit Card MKB EasyCard Gold Credit Card Additional conditions of cash-return/support for credit cards Conditions of the agreement of payment in instalments related to credit cards / 16

3 I. MKB Overdraft credit Interest rate (p.a.) 16.75% Credit limit application fee Fees, commissions, costs arising in case of normal procedure Annual fee of credit limit Commitment commission With regards to applications accepted after 31 August 2013 and concluded until 31 January Commitment fee For deals contracted as from 01 February HUF HUF 0.2% of the unutilised credit limit Half of the currently effective deal interest rate calculated for the unutilised limit, but maximum 0.2% Fees, commissions, costs arising in case of deviating from the normal procedure Credit limit increase fee Default interest rate (p.a.) In case of an agreement of payment in instalments 1 Interest rate (p.a.) Fee of personal customer contact Arrears management fee Default interest rate (p.a.) 0.5% of the limit concerned with the increase min HUF The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % 3 month BUBOR + 12% interest quoted with spot value date for the starting date of the interest period HUF/ occasion 500 HUF/mail The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 1 In case of contracts and contract amendments made as from 25 March month Interest period 3 / 16

4 II. MKB Frissítő (Refreshing) and MKB Frissítő (Refreshing) Extra 3 Overdraft credit Interest rate (3-month interest period) Base rate 3 month BUBOR effective 2 days before the last business day of the month preceding the starting date of the interest period (i.e. quoted four business days prior to the last business day of the month preceding the starting day of the interest period) Premium 13% Deal interest rate Credit limit application fee Fees, commissions, costs arising in case of normal procedure Annual fee of credit limit Commitment commission With regards to applications accepted after 31 August 2013 and concluded until 31 January Commitment fee For deals contracted as from 01 February % based on the base rate effective on HUF HUF 0.2% of the unutilised credit limit Half of the currently effective deal interest rate calculated for the unutilised limit, but maximum 0.2% Fees, commissions, costs arising in case of deviating from the normal procedure Credit limit increase fee Default interest rate (p.a.) In case of an agreement of payment in instalments Interest rate (p.a.) Fee of personal customer contact Arrears management fee Default interest rate (p.a.) 0.5% of the limit concerned with the increase min HUF The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % 3 month BUBOR + 12% interest quoted with spot value date for the starting date of the interest period HUF/ occasion 500 HUF/mail The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 3 As of 1 January 2016, the Bank suspends the sale of the MKB Frissítő (Refreshing) Extra Overdraft credit. 4 / 16

5 Interest rate (3-month interest period) Base rate III. MKB Egyszerű (Simple) Overdraft credit 4 3 month BUBOR effective 2 days before the last business day of the month preceding the starting date of the interest period (i.e. quoted four business days prior to the last business day of the month preceding the starting day of the interest period) Premium 13% Deal interest rate (p.a.) 14.35% based on the base rate effective on Credit limit application fee Fees, commissions, costs arising in case of normal procedure Annual fee of credit limit Commitment commission With regards to applications accepted after 31 August 2013 and concluded until 31 January Commitment fee For deals contracted as from 01 February HUF HUF 0.2% of the unutilised credit limit Half of the currently effective deal interest rate calculated for the unutilised limit, but maximum 0.2% Fees, commissions, costs arising in case of deviating from the normal procedure Credit limit increase fee 0.5% of the limit concerned with the increase, min HUF Default interest (p.a.) The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% In case of an agreement of payment in instalments Interest rate (p.a.) Fee of personal customer contact Arrears management fee For deals terminated before 01 February 2015, the deal interest rate valid on the due date % 3 month BUBOR + 12% interest quoted with spot value date for the starting date of the interest period HUF / occasion 500 HUF / mail Default interest rate (p.a.) The deal interest rate in effect on the due date + 6% p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 4 As of 1 January 2016, the Bank suspends the sale of the MKB Egyszerű (Simple) Overdraft credit. 5 / 16

6 Denomination Interest depending on loan amount (p.a.) Interest rate modification indicator applied IV. MKB Personal Loan HUF HUF HUF 15.00% HUF HUF 14.00% HUF HUF 13.50% none For deals of max. 3-year tenor For deals of tenor longer than 3 years H5K 5 Fees, commissions, costs occurring until disbursement In the case of disbursement to an account Disbursement commission kept with MKB Bank (for contracts signed until In the case of disbursement to an account 31 January 2015) kept with another bank Disbursement fee (for deals contracted as from 01 February 2015) Fees, commissions, costs arising in case of normal procedure 1% 3% 1% of the disbursed amount but max HUF The same as the fee defined in the current effective act on the transaction fee, which is 0.3%, Transaction fee maximum HUF at present. Charged on the basis of the loan repayment (excluding partial or For loan contracts concluded between 01 November 2013 and 31 January full pre-payment) paid by the customer and the disbursement commission. Fees, commissions, costs arising in case of deviating from the normal procedure Fee payable for modifying contract - in the case of partial pre-payment of the loan in the case of contracts made until 28 February 2010 if the tenor remaining until the final maturity is longer than one year at the time of repayment, and 1.00% in the case of contracts made after 21 June 2011 in the case of contracts made until 28 February 2010 if the tenor remaining until the final maturity is not longer than one year at the time of repayment, 0.50% and in the case of contracts made after 21 June 2011 in the case of contracts made between 01 March 2010 and 21 June 2011 in the case of contracts made after 21 June 2011, in the case of a repayment made once during 12 months in an amount lower than HUF 0% in the case of contracts made after 21 June 2011, in the case of a repayment made on the accounting date of the interest period - in the case of modifying other contractual conditions HUF Closure fee (in the case of pre-payment resulting in the cancellation of the contract) in the case of contracts made until 28 February 2010 if the tenor remaining until the final maturity is longer than one year at the time of repayment, and in the case of contracts made after 21 June 2011 in the case of contracts made until 28 February 2010 if the tenor remaining until the final maturity is not longer than one year at the time of repayment, and in the case of contracts made after 21 June 2011 in the case of contracts made between 01 March 2010 and 21 June 2011 in the case of contracts made after 21 June 2011, in the case of a repayment made once during 12 months in an amount lower than HUF in the case of contracts made after 21 June 2011, in the case of a repayment made on the accounting date of the interest period Fee of personal customer contact 1.00% 0.50% 0% HUF / occasion Arrears management fee 500 HUF / mail The deal interest rate in effect on the due date % p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Default interest rate (p.a.) Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 5 The explanation of the indicator is included in Annex No.5 of the Business Rules on Credit Operations 6 / 16

7 Denomination List of conditions for private individuals - Loans without collateral coverage Interest depending on loan amount (p.a.) V. MKB Keretnövelő (Limit Increasing) Personal Loan Fees, commissions, costs occurring until disbursement Contracting fee (For contracts concluded until 31 January 2015) Disbursement fee (For deals contracted as from 01 February 2015) Fees, commissions, costs arising in case of normal procedure Commitment fee (Commitment commission for contracts concluded until 31 January 2015) Transaction fee For the contracts concluded until 31 January HUF HUF 18.85% HUF HUF 18.35% HUF HUF 17.85% from HUF 16.85% Fees, commissions, costs arising in case of deviating from the normal procedure Fee payable for modifying contract 2% 1% of the amount to be repaid, but maximum HUF 0% Equal to the extent of the duty specified in the actually effective Act on Transaction Duty. At present: 0.3%, max HUF. The basis of charging the fee is the loan repayment made by the customer during the repayment period (excluding prepayments and final repayment). in the case of partial pre-payment of the loan 0% in the case of modifying other contractual conditions HUF Closure fee (in the case of pre-payment resulting in the cancellation of the contract) 0% Fee of personal customer contact HUF/ occasion Arrears management fee Default interest rate (p.a.) 500 HUF / mail The deal interest rate in effect on the due date % p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar halfyear + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 7 / 16

8 VI. A. Standard type - HUF-based international credit cards 1 - MasterCard Standard Credit card - MKB - T-Mobile MasterCard Standard Credit card, MKB - T-Mobile MasterCard Standard PayPass Credit card - Miles & More MKB MasterCard Standard Credit card, Miles & More MKB MasterCard Standard PayPass Credit card 2 1 The conditions of the agreement of payment in instalments related to credit cards are listed on page The credit interest and card fee data of Miles & More MKB MasterCard Standard Credit Card, and Miles & More MKB MasterCard Standard PayPass Credit card are on page 10. Standard type credit cards Miles & More MKB MasterCard Standard Credit card and Miles & More MKB MasterCard Standard PayPass Credit card Interest on the loan 32.64% p.a % p.a Standard spending limits Daily limit number amount number amount (HUF) - purchase cash take-out Card s expiry date 3 years 3 Annual card fee HUF See: this List of conditions VI.C Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office HUF Payment of the minimum repayment of credit card at the branch Cash take-out - from ATM in Hungary 300 HUF + 3.1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3.50% HUF, min HUF + (0.6%) - at branch office abroad 2% + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 5 0 HUF + (0.3% max HUF) Effecting direct debit order from the account 6 See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II. 7 7 Foreign travel insurance (illness, accident, baggage) Europe Basic package Built-in insurance: 8 Premium package (supplement to Europe Basic package) Car package (supplement to the Europe Basic package) Closure settlement fee per month Fees, commissions, costs arising in case of other requests optional, annual fee HUF optional, annual fee 300 HUF Fee payable for exceeding the limit /month Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases HUF - urgent card replacement abroad 225 EUR Fee payable for urgent cash take-out abroad 175 EUR + (0.6%) Refusal to provide urgent service or withdrawal of request 50 EUR Fee payable for acquiring bank card certificate Fee payable for modifying credit card contract HUF Monthly fee of the group personal insurance for credit coverage Default fee Collection fee HUF/month 3 In the case of credit card applications and substitutions processed following 11 March 2013 and credit card renewals as from April It is not charged when the bankcard is generated out of turn 5 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal. 6 The monthly subscription fee of T-Mobile can be settled from the T-Mobile MasterCard and Gold credit card account only 7 Except where the List of Conditions of the service package contains a different amount. 8 Built-in insurance: The issue of the bankcard shall make the Insured party entitled to a foreign travel insurance, in the manner and under the terms and conditions specified in the contract signed with the Bank Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 8 / 16

9 B. Gold type - HUF-based international credit cards 1 - MasterCard Gold Credit card - MKB - T-Mobile MasterCard Gold Credit card, MKB - T-Mobile MasterCard Gold PayPass Credit card - Miles & More MKB MasterCard Gold Credit card, Miles & More MKB MasterCard Gold PayPass Credit card 2 1 The conditions of the agreement of payment in instalments related to credit cards are listed on page The credit interest and card fee data of Miles & More MKB MasterCard Gold Credit card, and Miles & More MKB MasterCard Gold PayPass Credit card are on page 10. MasterCard Gold Credit card Miles & More MKB MasterCard Gold and Miles & More MKB MasterCard Gold PayPass MKB T-Mobile Gold and MKB T- Mobile Gold PayPass Credit cards Interest on the loan 30.44% p.a % p.a % p.a. Standard spending limits Daily limit number amount (HUF) - purchase cash take-out Card s expiry date 3 years 3 Annual card fee 1 See: this List of conditions VI.C HUF Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office HUF Payment of the minimum repayment of credit card at the branch Cash take-out - from ATM in Hungary 300 HUF + 3.1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3.50% HUF, min HUF+ (0.6%) - at branch office abroad 2% + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 5 0 HUF + (0.3% max HUF) Effecting direct debit order from the account 6 See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II. 7 7 Foreign travel insurance (illness, accident, baggage) World package Built-in insurance 8, Premium package (supplement to World package) optional, annual fee HUF Car package (supplement to the Worl package) optional, annual fee Closure settlement fee per month 300 HUF Fees, commissions, costs arising in case of other requests Fee payable for exceeding the limit /month Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases - urgent card replacement abroad Fee payable for urgent cash take-out abroad 0 HUF + (0.6%) Refusal to provide urgent service or withdrawal of request Fee payable for acquiring bank card certificate Fee payable for modifying credit card contract HUF Monthly fee of the group personal insurance for credit coverage Default fee HUF/month Collection fee 3 In the case of credit card applications and substitutions processed following 11 March 2013 and credit card renewals as from April It is not charged when the bankcard is generated out of turn 5 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal. 6 The monthly subscription fee of T-Mobile can be settled from the T-Mobile MasterCard and Gold credit card account only 7 Except where the List of Conditions of the service package contains a different amount. 8 Built-in insurance: The issue of the bankcard shall make the Insured party entitled to a foreign travel insurance, in the manner and under the terms and conditions specified in the contract signed with the Bank Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 9 / 16

10 C. Credit Interest and annual card fee data of Miles & More MKB Credit Cards Annual fee per bank card (in case of main- and partner card) Miles & More MKB Standard and Miles & More MKB Standard PayPass Miles & More MKB Gold and Miles & More MKB Gold PayPass HON & Senator Miles & More 0 HUF 0 HUF Frequent Frequent Traveller Traveller status 0 HUF HUF of the customer at Base HUF HUF the moment of Instant the application HUF HUF or renewal None at the time of application HUF HUF Interest Interest on the loan % p.a. 30,93 % p.a. Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 10 / 16

11 D. EasyCardtype credit cards - Standard type - HUF-based international credit cards - MKB EasyCard Credit card (PayPass) 1,2 1 Additional cash-back /support conditions of MKB EasyCard credit card are listed on page The conditions of the agreement of payment in instalments related to credit cards are listed on page 16. Interest on the loan Standard spending limits EasyCardtype credit cards 33.54%/p.a. Daily limit number amount (HUF) - purchase cash take-out Card s expiry date Annual card fee Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office 3 Cash take-out 3 years HUF HUF - from ATM in Hungary 300 HUF + 3.1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3.50% HUF, min HUF + (0.6%) - at branch office abroad 2 % + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 4 Effecting direct debit order from the account Closure settlement fee per month Balance enquiry at own ATM 4 PIN amendment at own ATM 4 Fees, commissions, costs arising in case of other requests Fee payable for exceeding the limit Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card Fee payable for replacement card, for temporary bank card 0 HUF + (0.3% max HUF) See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II HUF 49 HUF 100 HUF / month HUF - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases HUF - urgent card replacement abroad 225 EUR Fee payable for urgent cash take-out abroad 175 EUR + (0.6%) Refusal to provide urgent service or withdrawal of request Fee payable for acquiring bank card certificate Fee payable for modifying credit card contract Monthly fee of the group personal insurance for credit coverage Default fee Collection fee Cash payment at the branch 4 Foreign travel insurance (illness, accident, baggage) Europe package Premium package (supplement to Europe package) Car package (supplement to Europe package) 50 EUR HUF HUF/ month 200 HUF optional, annual fee HUF optional, annual fee HUF optional, annual fee 3 It is not charged when the bankcard is generated out of turn 4 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal. 5 Except where the List of Conditions of the service package contains a different amount. Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 11 / 16

12 E. MKB Jótét Credit Card (PayPass) 1,2 - Standard type - HUF-based international credit card 1 Additional cash-back /support conditions of MKB Jótét credit card are listed on page The conditions of the agreement of payment in instalments related to credit cards are listed on page 16. MKB Jótét Credit card Interest on the loan 33.54%/p.a. Standard spending limits Daily limit number amount (HUF) - purchase cash take-out Card s expiry date 3 years Annual card fee HUF Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office HUF Cash take-out - from ATM in Hungary 300 HUF + 3,1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3,50% HUF, min HUF + (0.6%) - at branch office abroad 2 % + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 4 0 HUF + (0.3% max HUF) Effecting direct debit order from the account See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II. 7 5 Closure settlement fee per month 249 HUF Fee of modifying the daily spending limit 4 50 HUF / time Balance enquiry at own ATM 4 49 HUF PIN amendment at own ATM HUF Fees, commissions, costs arising in case of other requests Fee payable for exceeding the limit / month Fee for card and/or PIN code safe-keeping at the branch HUF / month Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases HUF - urgent card replacement abroad 225 EUR Fee of changing the bank card design HUF Naming an organisation different from the organisation named by the customer HUF Fee payable for urgent cash take-out abroad 175 EUR + (0.6%) Refusal to provide urgent service or withdrawal of request 50 EUR Fee payable for acquiring bank card certificate Fee of providing additional statements HUF / statement Fee payable for modifying credit card contract HUF Monthly fee of the group personal insurance for credit coverage Default fee HUF/ month Collection fee Closure fee / if you apply for the card during a promotion action and cancel it within the period of 1 year 4 Cash deposit to the credit card account at the branch 4 Deposit by using a postal cash payment transfer order 4 Foreign travel insurance (illness, accident, baggage) Europe package Premium package (supplement to Europe package) Car package (supplement to Europe package) 200 HUF 200 HUF optional, annual fee HUF optional, annual fee HUF optional, annual fee 3 It is not charged when the bankcard is generated out of turn 4 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal. 5 Except where the List of Conditions of the service package contains a different amount Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 12 / 16

13 F. MKB Egészség Plusz (Health Plus) Credit Card (PayPass) 1,2 - Standard type - HUF-based international credit card 1 Additional cash-back /support conditions of MKB Egészség Plusz (Health Plus) credit card are listed on page The conditions of the agreement of payment in instalments related to credit cards are listed on page 16. MKB Egészség Plusz (Health Plus) Credit card Interest on the loan 33.54%/p.a. Standard spending limits Daily limit number amount (HUF) - purchase cash take-out Card s expiry date 3 years Annual card fee HUF Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office HUF Cash take-out - from ATM in Hungary 300 HUF + 3,1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3.50% HUF, min HUF + (0.6%) - at branch office abroad 2 % + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 4 0 HUF + (0.3% max HUF) Effecting direct debit order from the account See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II. 7 5 Closure settlement fee per month Fee of modifying the daily spending limit 4 Balance enquiry at own ATM 4 PIN amendment at own ATM 4 Fees, commissions, costs arising in case of other requests 249 HUF 50 HUF / case 49 HUF 100 HUF Fee payable for exceeding the limit / month Fee for card and/or PIN code safe-keeping at the branch HUF / month Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases HUF - urgent card replacement abroad 225 EUR Fee of changing the bank card design HUF Fee payable for urgent cash take-out abroad 175 EUR + (0.6%) Refusal to provide urgent service or withdrawal of request 50 EUR Fee payable for acquiring bank card certificate Fee of providing additional statements HUF / statement Fee payable for modifying credit card contract HUF Monthly fee of the group personal insurance for credit coverage Default fee Collection fee Closure fee / if you apply for the card during a promotion action and cancel it within the period of 1 year 4 Cash deposit to the credit card account at the branch 4 Deposit by using a postal cash payment transfer order 4 Foreign travel insurance (illness, accident, baggage) Europe package Premium package (supplement to Europe package) Car package (supplement to the Europe package) HUF/ month 200 HUF 200 HUF optional, annual fee HUF optional, annual fee HUF optional, annual fee 3 It is not charged when the bankcard is generated out of turn. 4 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal 5 Except where the List of Conditions of the service package contains a different amount Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 13 / 16

14 G. MKB EasyCard Gold credit card (PayPass) 1,2 - Gold type - HUF-based international credit card 1 Additional cash-back /support conditions of MKB EasyCard Gold credit card are listed on page The conditions of the agreement of payment in instalments related to credit cards are listed on page 16. Interest on the loan Standard spending limits MKB EasyCard Gold credit card 30.44%/p.a. Daily limit number amount (HUF) - purchase cash take-out Card s expiry date 3 years Annual card fee 1 Fees, commissions, costs arising during the use of the card Fee payable for delivery of credit card by mail Fee payable for taking over credit card at branch office HUF Cash take-out - from ATM in Hungary 300 HUF + 3.1% + (0.6%) - from ATM abroad 8 EUR + (0.6%) - at branch office or post office in Hungary 3.50% HUF, min HUF + (0.6%) - at branch office abroad 2 % + 6 EUR + (0.6%) Card transactions at post office 3.50% HUF, min HUF + (0.6%) Purchase 4 0 HUF + (0.3% max HUF) Effecting direct debit order from the account See: List of conditions for private individuals Chapter I. Bank account keeping, service packages and related services, II. 7 5 Foreign travel insurance (illness, accident, baggage) World package Built-in insurance 6, Premium package (supplement to the World package) optional, annual fee HUF Car package (supplement to the World package) optional, annual fee Closure settlement fee per month 300 HUF Balance enquiry at own ATM 4 49 HUF PIN amendment at own ATM HUF Fees, commissions, costs arising in case of other requests Fee payable for exceeding the limit / month Fee payable for urgent preparation of bank card Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card - in the case of defect in magnetic strip - in the case of the cancellation of the card - in other cases - urgent card replacement abroad Fee payable for urgent cash take-out abroad 0 HUF + (0.6%) Refusal to provide urgent service or withdrawal of request Fee payable for acquiring bank card certificate Fee payable for modifying credit card contract HUF Monthly fee of the group personal insurance for credit coverage Default fee HUF/ month Collection fee Cash payment at the branch HUF 3 It is not charged when the bankcard is generated out of turn 4 The Bank shall temporarily waive to debit this fee item to the customers. This preference shall remain valid until withdrawal. 5 Except where the List of Conditions of the service package contains a different amount 6 Built-in insurance: The issue of the bankcard shall make the Insured party entitled to a foreign travel insurance, in the manner and under the terms and conditions specified in the contract signed with the Bank Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 14 / 16

15 Credit Cards H. Additional cash-back / support conditions of MKB EasyCard credit card, MKB EasyCard Gold credit card, MKB Jótét credit card and MKB Egészség Plusz credit card Amount of minimum transactions to be performed: HUF % of cash-back / support: 1% Monthly maximum of cash-back / support Definition according to the List of Terms and Conditions for Private Individuals General and Special Provisions (L8). Maximum monthly amount of the transactions on the basis of which cash is returned/support: amount of credit limit but maximum: HUF HUF Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products. 15 / 16

16 Credit Cards I. Conditions in case of agreement of payment in instalments (In case of contracts concluded and credit card contract amendments performed after 25 March 2013) Standard type - HUF-based international credit cards - MasterCard Standard Credit card - MKB - T-Mobile MasterCard Standard Credit card, MKB - T-Mobile MasterCard Standard PayPass Credit card - Miles & More MKB MasterCard Standard Credit card, Miles & More MKB MasterCard Standard PayPass Credit card - MKB EasyCard Credit card - MKB Jótét Credit card - MKB Egészség Plusz Credit card Gold type - HUF-based international credit cards - MasterCard Gold Credit card - MKB - T-Mobile MasterCard Gold Credit card, MKB - T-Mobile MasterCard Gold PayPass Credit card - Miles & More MKB MasterCard Gold Credit card, Miles & More MKB MasterCard Gold PayPass Credit card - MKB EasyCard Gold Credit card Interest rate (p.a.) Fee of personal customer contact Arrears management fee Default interest rate (p.a.) In case of an agreement of payment in instalments 3 month BUBOR + 12% interest quoted with spot value date for the starting date of the interest period HUF/ occasion 500 HUF/mail The deal interest rate in effect on the due date % p.a., but maximum the lowest value of the values defined according to the following: (deal interest rate * 1.5) + 3%, or Central Bank s base rate valid on the 1st of the month preceding the calendar half-year + 39% For deals terminated before 01 February 2015, the deal interest rate valid on the due date % Terms and conditions relating to this chapter of the List of Conditions that are not detailed herein are laid out in List of Conditions for private individuals - General and specific regulations. The product parameters concerning credit products are contained by the customer information materials of the given products 1 3 month Interest period 16 / 16