List of Interest Rates and Charges I. General Fee terms for CitiBlue customers

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1 List of Interest Rates and Charges I. General Fee terms for CitiBlue customers Effective: 29 th of January, General Conditions a) The conditions stipulated in this List of Consumer Interest Rates and Charges apply with respect to payment and other orders given or initiated by CitiBlue customers (hereinafter: Customer ) of Citibank Europe plc Hungarian Branch Office (registered office: 1051 Budapest, Szabadság tér 7., registration court and court number: Municipal Court of Budapest, acting as Court of Registration ) acting in the name and on behalf Citibank Europe plc. (registered office: 1 North Wall Quay, Dublin 1, registration court and court number: Companies Registration Office, no ) an entity registered in Ireland) (hereinafter: Citibank or Bank ) to the Bank, and with respect to financial and supplementary financial services provided by the Bank to these Customers. This List of Consumer Interest Rates and Charges constitutes a part of the contract concluded in respect of any financial or supplementary financial service extended by the Bank to the Customer. The Retail Interest and Fee Terms consist of the following parts: I. General Fee Terms for CitiBlue customers, which contains the fees and additional general terms and conditions relating to the account-management services provided to natural-person retail Customers belonging to the CitiBlue (that is, not to the Citigold) general customer segment, as well as other related services defined in the fee terms. II. List of Consumer Interest Rates, which contains the interest rates and additional general terms and conditions relating to the deposit-fixing services provided to natural-person retail Customers belonging to the CitiBlue and the Citigold customer segment, as well as other, related services specified in the List of Consumer Interest Rates. The conditions defined therein are generally applicable to each natural-person retail Customer, regardless of which customer segment a specific Customer belongs to or which account package he or she uses. b) In the event that sufficient funds are available for the fulfilment of an order, the Bank will still only accept and fulfil the order if it complies in full with the relevant statutory provisions and with the Bank s own internal regulations and business policy, as well as with the General Business Conditions pertaining to Consumer Banking Services and with the general contractual conditions pertaining to the given service. c) The conditions defined below are valid with respect to standard orders, transactions and banking operations. With regard to operations that require a separate procedure, the Bank reserves the right to a separate fee. The Bank also reserves the right, in respect of particular Customers or services, to provide its services under terms and conditions that differ from the standard terms and conditions (in particular, maturity periods, interest rates and s), either on a permanent or a temporary basis. Defining and changing these different conditions is the exclusive right of the Bank. The Customer may not request that the Bank provide a particular service at terms that differ from the standard conditions, or that the Bank refund to him the difference between the cost of the service provided to him at the standard terms and the cost of the same service provided under what may be a more favourable arrangement. d) Citibank expressly reserves the right to unilaterally amend the conditions defined in this List of Interest Rates and Charges in accordance with the provisions of the General Business Conditions Pertaining to Consumer Banking Services. e) The Bank shall settle the interest payable by it to the Customer on the account balance once a month. Any other fees, commissions and s shall be debited by the Bank as set out in section 9.7, from the account of the Customer. f) The fees related to a foreign currency account are d in the given currency, at the mid FX rate defined by the Bank and valid on the transaction day. g) The Bank determines, on each banking day multiply times, Monday to Friday, the cash (banknote) and different FX rates of currencies according to the channels and client segmentation, that it quotes. With respect to these, it sets two exchange rates: FX rates for Customers according to the channels and client segmentation and cash (banknote) rates for Customers. The official currency exchange rate sheet contains the quoting date and time, the officially quoted currencies, the quoted unit, and the official value of the quoted unit of the quoted currency expressed in Hungarian forint, which are applicable until the following quoting of rates. The FX and cash rates quoted by the Bank for its Customers also include a buy (bid) and a sell (offer) rate. In the case of transactions involving cash, the Bank applies the cash rate, while in the case of transactions between foreign currency accounts or bank accounts, the Bank applies the FX rate, and for cheques, the cash rate. The Bank reserves the right to change the exchange rates on a regular daily basis, and if necessary, in response to any major cross-rate movements that may occur on the money market. The Bank does not, in relation to cash-desk operations performed in a foreign (cash) currency, accept coins as payment. h) Citibank reserves the right to dispense which some of the fees witch are defined in this List of Interest Rates and Charges, strictly considered by business decision. The Bank quotes cash rates for a total of 12 currencies: AUD (Australian dollar) GBP (English pound) CAD (Canadian dollar) JPY (Japanese Yen) CHF (Swiss franc) NOK (Norwegian crown) CZK (Czech crown) PLN (Polish zloty) DKK (Danish crown) SEK (Swedish crown) EUR (euro) USD (American dollar) In addition to HUF (Hungarian Forint) accounts, the Bank provides customers with accounts in 5 currencies: CAD (Canadian dollar) CHF (Swiss franc) EUR (euro) GBP (English pound) USD (American dollar) i) Determining average balance: Citibank calculates the balance of accounts every month in HUF, on the basis of the mathematical average of the daily closing balances in the given month. In the course of such calculation Citibank takes into consideration the balance of the accounts managed for the Customer as account holder in HUF or in a foreign currency: current accounts, savings accounts, MTM accounts, term deposits, MTM term deposits, securities accounts. If the Bank manages an account in a foreign currency, for determining the daily balance thereof the Bank shall take into consideration the NBH medium FX rate. When calculating the daily balance of accounts, for securities kept in a securities account the following shall be taken into consideration: in the case of (i) OECD and structured (capital guaranteed) bonds, as well as Hungarian state securities and discount T-bills the market value of the security in question; (ii) in the case of investment notes the product of the number of investment notes at the end of the day and the net asset value per investment note on the same day. j) Further information about other terms and conditions related to the products and services offered and provided by Citibank but not regulated in this List of Interest Rates and Charges may be found in the General Business Conditions Pertaining to Consumer Banking Services that constitute a part of the contract entered into between the Bank and the Customer, and in the general contractual conditions and List of Consumer Interest Rates and Charges valid in respect of the given services, 1

2 and Customers may obtain information regarding these documents in the Bank's branches, via CitiPhone Banking ( ) ), or from the Bank's website at k) In the event of insufficient funds, a collection order based on an authorisation letter shall unless the authorisation letter contains an express instruction to the contrary be queued by the Bank for the period specified in the authorisation letter, but for a maximum of 35 days, and for the duration of the queuing period the Bank shall make partial payments, without any value limit, based on the order. This List of Interest Rates and Charges has been prepared in Hungarian and in English. In the event of any difference between the two versions or of any problems of interpretation, the Hungarian version shall be regarded as definitive. 2 Account-management related fees Currently available account packages ( Banking cost reducing promotions see section 10. for details) 2.1 Citi Priority and Citi Global fee package Monthly fee (Monthly fee) (uniform fee, independent from the number of accounts) Citi Priority fee package (previously named on New 0 HUF fee package) Accounts opened from the Not applicable after the 5 th of May th of May above 2 HUF 0 below 2 HUF 4490 HUF 3.. total balance above 2 HUF 0 HUF 2.. total balance Citi Global fee package 3 below 2 HUF 3999 HUF 990 Cash withdrawal at a branch 1,5% min HUF 990 0,8% min HUF 300 1,5% min HUF 990 ATM cash-withdrawal fee in Hungary first 5 withdrawals in a given month 1,5% min. HUF 590*** additional transactions 1,5% min. HUF 590 1,5% min. HUF 590*** ATM cash-withdrawal fee abroad 1,5% min. HUF 590 1% min. HUF ,5% min. HUF 590 Fees and commissions related to one-off transfers 11 One-off HUF transfer to another account within the Bank One-off HUF transfer to an account at another bank Fulfilment of one-off HUF transfer between the Customer s own accounts VIBER-transfer One-off and regular FCY transfer to an account at another bank 12 (non-sepa transfer) SEPA transfer -FCY transfer to an account at another bank 12 One-off and regular FCY transfer to another account within the Bank 0,3% min HUF 100, max. HUF 6990 CitiPhone 0,6% min. HUF 490 0,3% 0,9% min. HUF 490 At a Branch 0,9% min. HUF 990 0,9% 0,9% min. HUF 490 0,3% min HUF 100, max. HUF 6990 CitiPhone 0,6% min. HUF 490 0,3% 0,9% min. HUF 490 At a Branch 0,9% min. HUF 990 0,9% 0,9% min. HUF 490 Not available CitiPhone 0,9% min. HUF 5465 At a Branch 0,9% min. HUF ,5% min. HUF 2800, max HUF 130 0,3% min. HUF 2910, max HUF 199 CitiPhone 0,6% min HUF 3200, max. HUF 156 0,9% min. HUF 5465 At a Branch 0,7% min. HUF 5200, max HUF 206 0,9% min. HUF ,5% min. HUF 2800, max HUF 130 0,3% min. HUF 2910, max HUF 199 CitiPhone 0,6% min. HUF 3200, max HUF 156 0,9% min. HUF 5465 At a Branch 0,7% min. HUF 5200, max HUF 206 0,9% min. HUF 5465 Fulfilment of FCY transfer between the Customer s own accounts 0,4% min. HUF 390 max. HUF ,3% max HUF 6990 CitiPhone 0,6% min. HUF 990 0,3% 0,9% min. HUF 1990 At a Branch 0,9% min. HUF ,9% 0,9% min. HUF 1990 HUF transfer abroad 12 CitiPhone 0,6% min HUF 3200, max. HUF 156 0,9% min. HUF ,5% min. HUF 2800, max HUF 130 0,3% min. HUF 2910, max HUF 199 Fulfilment of HUF standing order to another account within the Bank Fulfilment of HUF standing order to an account at another bank At a Branch 0,7% min. HUF 5200, max HUF 206 0,9% min. HUF ,3% min. HUF 100, max. HUF ,3% min. HUF 100, max. HUF 6990 Fulfilment of multiple direct debit order 0,3% min. HUF 100, max. HUF

3 Account opening fee Opening of first 2 accounts (regardless of the currency) Opening of additional account HUF 590 HUF 550 HUF 990 Balance inquiry (per inquiry) HUF 50 HUF 90 Cancellation/modification fees of transfer orders Cancellation/modification of future dated HUF transfer order, if it is the Bank that executes the HUF 1060 / fulfilment cancellation/modification and if the order is given via CitiPhone, or at a branch of the Bank Request for recall of HUF transfer (regardless of whether the return has been successful), via CitiPhone, HUF 5290 / fulfilment or at a branch of the Bank Cancellation/modification of an FCY transfer order prior to 13 HUF fulfilment Cancellation/modification of an FCY transfer order after fulfilment 14 Fees and commissions for deposit operations Opening a time deposit (except for time deposits opened at a branch at the time the customer was entered into, and deposits related to promotions or to Market Linked Deposits) Modifying or releasing a time deposit 15 USD 30 / transaction + financial loss CitiPhone HUF 590 HUF 590 At a Branch HUF HUF HUF HUF 190 HUF 165 HUF 190 CitiPhone HUF 390 HUF 330 HUF 390 At a Branch HUF HUF HUF Premium employee fee package 6 (This fee package is subject to a regular income transfer of minimum monthly HUF is credited to the current account held with Citibank 7 ) Monthly fee (Monthly fee) (uniform fee, independent from the number of accounts) Account opening fee Opening of first account (regardless of the currency) Opening of additional account (regardless of the currency) Balance inquiry Cash withdrawal at a branch 0,9 min. HUF 370 ATM cash-withdrawal fee in Hungary From an ATM at a Citibank branch From other ATMs the first 4 transactions Further transactions from other ATMs HUF 430/transaction*** ATM cash-withdrawal fee abroad The first 2 transaction is 0,6%, max. HUF , further transactions: 1,6 % min. HUF 2865 One-off HUF transfer to an account at another bank via One-off and regular FCY transfer to another account within the Bank via Fulfilment of HUF standing order (to an account at another bank or within the bank) via Fulfilment of multiple direct debit order HUF 1 from the second year if the total amount of card purchases exceed HUF 400 on a yearly basis. MasterCard CHIP / PayPass TM Debit Card yearly fee In other cases the annual fee of the card both in the first and following years are applicable to the Citi Control fee package. Interest of the salary based overdraft Foreign exchange rates Other Fees and commissions 19,5% (APR:21,34%) Employee has an opportunity to exchange currency on special rate once in a month between EUR 200 and 5, approved by the designated manager of the Employer. In respect of all other terms and conditions of the account keeping service, the terms and conditions applicable to the CitiBlue CitiComfort fee package (concluded prior January 1 st, 2013.), packages below the average balance of HUF 1.5 million, shall govern. 3

4 3 Account-management related fees Discontinued account packages ( Banking cost reducing promotions see section 10. for details) 3.1 TOP and CitiComfort fee packages TOP fee package Not applicable after the 5 th of May 2014 Accounts opened from the 1 st of January 2013 Not applicable after the1 st of January 2013 CitiComfort fee package Not applicable after the 5 th of May 2014 Accounts opened from the 1 st of January 2013 Not applicable after the 1 st of January 2013 Monthly fee (Monthly fee) (uniform fee, independent from the number of accounts) In case of incoming fund of minimum HUF HUF 0 In absence of incoming fund of minimum HUF HUF 3800 An average monthly balance of HUF above 5 below 5 above 5 below 5 HUF 765 HUF 765 Cash withdrawal at a branch 0,6%, max HUF ,9% min. HUF 550 ATM withdrawal fee at ATMs located at Citibank branch ATM withdrawal fee at ATMs located elsewhere ATM cash-withdrawal fee abroad The first two transactions in a given month 0,6%, max HUF *** 0,6%, max HUF 6020 *** HUF 525*** HUF 525*** Further transactions HUF 525*** HUF 525*** HUF 525*** HUF 525*** The first two transactions in a given month 0,6%, max HUF *** 0,6%, max HUF 6020*** Further transactions HUF 525*** HUF 525*** The first transaction (monthly) (associated accounts*) Additional transactions, per transaction Fees and commissions related to one-off transfers 11 One-off HUF transfer to another account within the Bank One-off HUF transfer to an account at another bank Fulfilment of one-off HUF transfer between the Customer s own accounts VIBER-transfer One-off and regular FCY transfer to an account at another bank 12 (non-sepa transfer) SEPA transfer -FCY transfer to an account at another bank 12 One-off and regular FCY transfer to another account within the Bank 0,6%, max HUF *** 1,6% min. HUF 3020 HUF 525*** HUF 525*** 1,6% min. HUF 3160 HUF 525*** HUF 525*** 0,3%, max HUF ,3%, max HUF 6020 CitiPhone 0,3%, max HUF 6020 HUF 115 At a Branch 0,3%, max HUF 6020 HUF 950 0,3%, max HUF ,35% min HUF 85 max. HUF ,4% min. HUF 85, max. HUF ,35% min HUF 85 max. HUF 6580 CitiPhone 0,3%, max HUF ,5% min HUF 210 At a Branch 0,3%, max HUF ,7% min HUF 425 Fulfilment of FCY transfer between the Customer s own accounts Not available CitiPhone 0,8% min. HUF At a Branch 0,8% min. HUF ,6% min. HUF 2910, max HUF 137 CitiPhone 0,7% min. HUF 3340, max HUF 164 At a Branch 0,8% min. HUF 5465, max HUF 217 0,6% min. HUF 2910, max HUF 137 CitiPhone 0,7% min. HUF 3340, max HUF 164 At a Branch 0,8% min. HUF 5465, max HUF 217 0,3%, max HUF ,3%, max HUF 6020 CitiPhone 0,3%, max HUF 6020 HUF 160 At a Branch 0,3%, max HUF 6020 HUF 600 HUF transfer abroad 12 CitiPhone 0,7% min. HUF 3340, max HUF 164 0,6% min. HUF 2910, max HUF 137 Fulfilment of HUF standing order to another account within the Bank At a Branch 0,8% min. HUF 5465, max HUF 217 0,4% min. HUF 85, max. HUF 7130 HUF 110 HUF 110 0,3%, max HUF 6020 HUF 110/fulfillment 4

5 TOP fee package Not applicable after the 5 th of May 2014 Accounts opened from the 1 st of January 2013 Not applicable after the1 st of January 2013 CitiComfort fee package Not applicable after the 5 th of May 2014 Accounts opened from the 1 st of January 2013 Not applicable after the 1 st of January 2013 Fulfilment of HUF standing order to an account at another bank 0,3%, max HUF 6020 HUF 110/fulfillment Fulfilment of multiple direct debit order 0,3%, max HUF 6020 HUF 85/fulfillment Account opening fee Opening of first 2 account (regardless of the currency) Opening of additional account HUF 550 Balance inquiry (per inquiry) HUF 50 Cancellation/modification fees of transfer orders Cancellation/modification of future dated HUF transfer order, if it is the Bank that executes the cancellation/modification and if the order is given via HUF 1 060/ order CitiPhone, or at a branch of the Bank Request for recall of HUF transfer (regardless of whether the return has been successful), via CitiPhone, or at a branch of the HUF 5 290/ order Bank Cancellation/modification of an FCY transfer order 13 prior to fulfilment HUF Cancellation/modification of an FCY transfer order after fulfilment 14 Fees and commissions for deposit operations Opening a time deposit (except for time deposits opened at a branch at the time the customer was entered into, and deposits related to promotions or to Market Linked Deposits) Modifying or releasing a time deposit 15 CitiPhone USD 30 / order + financial loss At a Branch HUF HUF 190 CitiPhone HUF 390 At a Branch HUF VIP, CitiControl and Net fee package VIP fee package (Not applicalbe after 1st April 2012) Above HUF 3.. total balance 8 Below HUF 3.. total balance 8 CitiControl fee package (Not applicalbe after 1st January 2012) Above HUF total Below HUF total Net fee package 9 (Not applicalbe after 2nd September 2009) Above HUF total Below HUF total Monthly fee (Monthly fee) (uniform fee, independent from the number of accounts) HUF 3800 HUF 440 HUF 275 HUF 380 Cash withdrawal at a branch 0,75% min. HUF 650 0,85% min. HUF 1600 ATM cash-withdrawal fee in Hungary ATM cash-withdrawal fee abroad From an ATM at a Citibank branch, first 2 withdrawals in a given month From an ATM at a Citibank branch, additional transactions From other ATMs, first 2 withdrawals in a given month From otheratms, additional transactions The first transaction (monthly) (associated accounts*) Additional transactions, per transaction Fees and commissions related to one-off transfers 11 One-off HUF transfer to another account within the Bank HUF 575*** HUF 505*** HUF 575*** HUF 575*** HUF 505*** HUF 575*** HUF 505*** HUF 575*** HUF 575*** HUF 505*** 1,6% min. HUF ,6% min. HUF ,3% min. HUF 2985 HUF 280 CitiPhone HUF 245 HUF 245 5

6 One-off HUF transfer to an account at another bank VIP fee package (Not applicalbe after 1st April 2012) Above HUF 3.. total balance 8 Below HUF 3.. total balance 8 CitiControl fee package (Not applicalbe after 1st January 2012) Above HUF total Below HUF total Net fee package 9 (Not applicalbe after 2nd September 2009) Above HUF total Below HUF total At a Branch HUF 685 0,5% min. HUF 655, max. HUF 7110 Fulfilment of one-off HUF transfer between the Customer s own accounts VIBER-transfer One-off and regular FCY transfer to an account at another bank 12 (non-sepa transfer) SEPA transfer -FCY transfer to an account at another bank 12 One-off and regular FCY transfer to another account within the Bank 0,4%, min. HUF 75 max. HUF ,45%, min. HUF 75 max. HUF 8200 CitiPhone 0,55% min. HUF 355 0,45% min HUF 165 At a Branch 0,65% min. HUF 415 0,7% min HUF 620 Fulfilment of FCY transfer between the Customer s own accounts HUF transfer abroad 12 Fulfilment of HUF standing order to another account within the Bank Fulfilment of HUF standing order to an account at another bank Not available CitiPhone 0,8%, min. HUF ,8% min. HUF At a Branch 0,8%, min. HUF ,8% min. HUF ,6% min. HUF 2750, max. HUF 137 CitiPhone 0,7% min. HUF 3175, max. HUF 164 At a Branch 0,8% min. HUF 5300, max. HUF 217 0,6% min. HUF 2750, max. HUF 137 CitiPhone 0,7% min. HUF 3175, max. HUF 164 At a Branch 0,8% min. HUF 5300, max. HUF 217 0,6% min. HUF 3235, max. HUF 137 0,6% min. HUF 3235, max. HUF 137 0,6% min. HUF 3235, max. HUF 137 0,6% min. HUF 3235, max. HUF ,6% min. HUF 3235, max. HUF 137 0,6% min. HUF 3235, max. HUF 137 0,32% min. HUF 80, max. HUF ,5% min. HUF 2750, max. HUF 137 0,5% min. HUF 2750, max. HUF 137 0,5% min. HUF 2750, max. HUF 137 0,5% min. HUF 2750, max. HUF 137 0,5% min. HUF 2750, max. HUF 137 0,5% min. HUF 2750, max. HUF 137 HUF 110 HUF 110 CitiPhone HUF 160 HUF 115 At a Branch HUF 600 0,5% min. HUF 550, max. HUF ,6% min. HUF 2750, max. HUF 137. CitiPhone 0,7% min. HUF 3175, max. HUF 164. At a Branch 0,8% min. HUF 5300, max. HUF ,5% min. HUF 2755, max. HUF ,5% min. HUF 2755, max. HUF ,5% min. HUF 2755, max. HUF ,5% min. HUF 2940, max. HUF ,5% min. HUF 2940, max. HUF ,5% min. HUF 2940, max. HUF 137. HUF 110 / fulfilment HUF 110 / fulfilment HUF 110 / fulfilment HUF 110 / fulfilment Fulfilment of multiple direct debit order HUF 95 / fulfilment HUF 95 / fulfilment Account opening fee Opening of first account (regardless of the currency) Opening of additional account HUF 550 HUF 550 Balance inquiry (per inquiry) HUF 50 Cancellation/modification fees of transfer orders Cancellation/modification of future dated HUF transfer order, if it is the Bank that executes the cancellation/modification and if the order is given via HUF 1060 / fulfilment HUF 1060 / fulfilment CitiPhone, or at a branch of the Bank Request for recall of HUF transfer (regardless of whether the return has been successful), via CitiPhone, Citibank HUF 5290 / fulfilment Online or at a branch of the Bank Cancellation/modification of an FCY transfer order prior to 13 fulfilment HUF 1060 HUF 1060 Cancellation/modification of an FCY transfer order after fulfilment 14 Fees and commissions for deposit operations Opening a time deposit (except for time deposits opened at a branch at the time the customer was entered into, and deposits related to promotions or to Market Linked Deposits) CitiPhone USD 30 / transaction + financial loss At a Branch HUF 1060 HUF 1060 Modifying or releasing a HUF 165 HUF 165 6

7 VIP fee package (Not applicalbe after 1st April 2012) Above HUF 3.. total balance 8 Below HUF 3.. total balance 8 CitiControl fee package (Not applicalbe after 1st January 2012) Above HUF total Below HUF total Net fee package 9 (Not applicalbe after 2nd September 2009) Above HUF total time deposit 15 CitiPhone HUF 330 HUF 330 At a Branch HUF 1110 HUF 1110 Below HUF total 3.3 CITICONTROL fee package combined with Citibank Personal Installment Loan (Not available after 2nd September 2009) Monthly fee (Monthly fee) (uniform fee, independent from the number of accounts) Other Fees and commissions related to the bank account 4 Other account management fees and commissions 4.1 Other account management fees and commissions for all fee package Submission of regular transfer (between the Customer s own accounts) order with individual limit Submission of HUF standing order Authorisation for multiple direct debit order CitiPhone At a Branch CitiPhone At a Branch Monthly account-management fee (per account) Fees and s associated with regular transactions Submission of regular transfer (between the Customer s own accounts) order with individual limit CitiPhone At a Branch Fulfilment of regular transfer (between the Customer s own accounts) with individual limit Monthly statement fee Request for bank certificate Request for non-regular (additional) account statement/ month 16 Account statement for three consecutive months once a calendar year ** In respect of all other terms and conditions of the account keeping service, the terms and conditions applicable to the 3.1 and the 4 points of this document. Paper-based statement, mailed to the customer s notification address Electronic statement Not available HUF 1060 CitiPhone HUF 2115 At a Branch HUF 3175 Additional account statements for the 12 months period prior to the current month HUF 530 Additional account statements for the months prior to previous 12 months period HUF 1500 Urgency fee (production of certificate within 4 hours / Account statement replacement within 1 working day), all 17 channels HUF 1500 (In form of customer service message) Changing fee package 1 CitiPhone HUF 1585 Complete termination of customer at the Customer s request, within 6 months, counted from the start of the 18 Long Term Investment (Deposit) Monthly fee At a Branch HUF 1585 Cancelation fee of the Long Term Investment (Deposit) within 5 years from the last day of the collection period Cancelation fee of the Long Term Investment (Deposit) after 5 years from the last day of the collection period Not available CitiPhone HUF 5290 At a Branch HUF 7930 * associated accounts: the total number of accounts that are jointly available to the account holder and the authorised person (s) and/or joint(co-)account holders. ** Conditions of free of : Recourse of Citibank Personal Installment Loan with salary domiciliation by the owner of the account. The fee waiver takes place during the loan contract in force only, and only in case of a new (after 5th May 2009) Personal Installment Loan application. 7

8 Regular monthly salary domiciliation to the account. Fulfillment of two direct debits per month from the bank account If any of the conditions listed above are not fulfilled in two consecutive months, the terms defined in the 1.1 point are applicable from the third month relating to the Monthly Relationship Fee. *** The fees specified above are only applicable in respect of additional ATM withdrawal orders, over and above the free ATM withdrawal orders as per the following. Pursuant to section 36/A of Act LXXXV of 2009 on the Provision of Payment Services (hereinafter: Pft.), the first two cash withdrawals made at any ATM in Hungary in each calender month with effect from 1 February 2014, up to a total of HUF 150, and in respect of a single payment account, shall be free of for the holder of the payment account, if he/she makes an appropriate and valid declaration in accordance with section 36/A of the Pft. to the Bank in person, in writing at any branch of the Bank, by completing the form provided for this purpose, or via the Internet Bank service, by selecting the option serving this purpose. The holder of the payment account shall be entitled to the exemption from s with effect from the following calender month if he/she makes a valid declaration by the 20th of the given month. Should the declaration be withdrawn by the holder of the payment account, he/she will no longer be entitled to the exemption from s. The Bank does not examine whether the cash withdrawal is made against a positive or negative (overdrawn) account balance. In view of the fact that the exemption from s, the conditions of eligibility for such, the range of customers that are entitled to such, and the detailed rules on the exemption from s are regulated in the above-mentioned statute, in the event of an amendment or abolition of said statute the Bank shall be entitled, in line with the amendment or abolition of the statute and in compliance therewith, to amend or discontinue this fee-related discount and the terms thereof. 1 One-off fee for switching to the Citi Priority fee package (in the case of existing customers currently using a different fee package, as well as in the case of new customers with an earlier Citibank account agreement that expired within the six month period preceding the date of opening a new account under the Citi Priority fee package) HUF 20,. 2 Customers in Citi Priority fee package have to meet the average total balance requirement of HUF 2 in the first month after the month of joining the Citi Priority package. If in case of agreements concluded prior to 5th of May, the average balance is not reaching the HUF 2 limit, and HUF 3.. in case of agreements concluded after the 5th of May, 2014,. the Bank is charging the fee specified in this List of Interest Rates and s. This is applicable for customers being in Citi Priority fee package for the further months if the aggregated average balance of the Customer does not reach HUF 2.. in case of agreements concluded prior to 5th of May, 2014 and HUF 3.. in case of agreements concluded after 5th of May, The Citi Global fee package is available only for new account holders only in case of same time application for Citibank Personal Instalment Loan (Praktikus Kölcsön). 4 In case of this package we require a regular monthly incoming fund of minimum HUF 150 to the current account held with Citibank. Citibank grants a one-time grace period of a further one months following the month of the opening of the account for the credit of the first minimum monthly net incoming fund of HUF 150 in one sum on the account holder s account. If the above determined amount incoming fund is not arriving to the account until the last business day of the 2nd month after the month of account opening the Bank is charging the monthly fee specified in this List of Interest Rates and s. This rule is valid in the later months as well. Discount periods: Between 23 August and 29 October 2010, and between 8 November and 31 December In the case of new accounts that are opened during the discount period, the condition of the discount is, in the TOP fee package, crediting minimum HUF 150 per month to the account in no more than two transactions with respect to accounts that are opened between 23 August and 29 October 2010 and in no more than three transactions with respect to accounts that are opened between 8 November and 31 December This offer is not available in respect of accounts that are opened between 23 August and 29 October 2010 if the account is newly opened following the termination of an account after 1 March 2010, and it is not available in respect of accounts that are opened between 8 November and 31 December 2010 if the account is newly opened following the termination of an account after 1 May With respect to accounts opened between 10 January and 16 October 2011, the monthly customer fee in the TOP fee package is waived if at least HUF 150 is credited to the account from outside the bank, on any grounds, in no more than two instalments. 5 If the Customer's average balance for the given month exceeds HUF the Bank will waive the account management fee for that month, while the additional discounts will apply to the transactions made in the following month. 6 Customers are entitled to use the Citibank Premium Employee s Fee Package if a cooperation agreement relating to the use of the Premium Employee s Fee Package is in effect between the Bank and their Employer named in the contract concluded for the opening of the bank account and the provision of retail banking services; customers in a an employment with the Hungarian subsidiaries of Citigroup are also eligible to use the Premium Employee s Fee Package. 7 This fee package is subject to a regular income transfer of minimum monthly HUF is credited. Citibank grants a one-time grace period of a further two months following the month of the opening of the account for the credit of the first minimum monthly net income transfer of HUF in one sum on the account holder s account. If no such income is transferred onto the account by the last business day of the 2nd month following the month of the opening of the account or, at any time thereafter, such transfers are made in fewer than 5 months on the basis of the total account transactions of the previous 6 months, Citibank shall be entitled to apply the terms and conditions of the CitiControl fee package, as in force, instead of the preferential CitiPayroll fee package, and instead of Premium Employee fee Package the CitiComfort fee package. 8 As a general rule, our Customers in the VIP fee package are not d with fee. Customers in VIP package have to meet the average total balance requirement of HUF 3 in the first month after the month of joining the VIP package. If the average balance is not reaching the HUF 3 limit the Bank is charging the fee specified in this List of Interest Rates and s. 9 The customers in this package are entitled to a preferential FX transaction once a month via Citiphone banking between 200 and 4 EUR. This FX rate is the interbank foreign exchange market spot rate increased with +/- 0,5% margin. 10 The additional discounts which are related to Customer's average balanc will apply to the transactions made in the following month. 11 Transfer orders for HUF 30 or the equivalent thereof in another currency may only be submitted at a branch of the Bank. 12 In certain cases the fulfilment or investigation of foreign currency transfer orders (non-sepa), or forint (HUF) transfer orders abroad, may, due to the participation of the correspondent bank, involve an additional fee. The manner in which the fee is settled, as well as the amount of the fee, will depend entirely on the correspondent bank involved. When giving the order via CitiPhone Banking Telephone service, Branch and mail, the Customer will have the opportunity to specify whether he, or the beneficiary of the payment, will bear the fees and s entailed in the fulfilment of the order. The fees will be debited shared if the order was submitted via Internet Service.The correspondent banks and the beneficiary s bank shall execute the FX standing orders with fully and properly filed exact and correct data through their systems without manual intervention. In order to file the proper FX standing order the following data shall be indicated on the order: IBAN (international) bank account number of the beneficiary or BBAN (inner bank account number in proper form), the SWIFT address and/or name, address code of the beneficiary s bank (hereinafter together: the data). In case the data are not fully and correctly provided to the Bank by the client and the Bank shall pay fees arising from the manual process to the banks mentioned above, the Bank is entitled to this types of costs which are not foreign bank costs and not transfer costs, on the client in case it is not the error of the Bank. The Bank shall not be obliged to verify the correctness and accuracy of any data provided by the client and shall not be liable for the late execution of the order caused by the incorrect or incomplete data provided by the client. Regarding to SEPA credit transfer further conditions are provided under point and Fee d in the case of an order that is not fulfilled due to a request to this effect by the Customer or due to a lack of sufficient funds. 14 Fulfilled and then cancelled items are credited at the prevailing FX buy rate. It follows from this that the cancellation/modification request may result in financial losses for the client and, if the other bank(s) participating in the transfer (s) a fee in connection with the cancellation, the Bank will pass this fee onto the customer. Cancellation may not be requested via Citibank Online. 15 modification: cancellation of time deposit, reduction of deposit amount and supplementing of deposit on the maturity date. Other changes (change of interest-related instructions, change of principal-related instructions, change of deposit tenor and cancellation of time deposit, reduction of deposit amount prior to maturity) have fees in every case. 16 The deadline for preparation of an account statement for the month prior to the current month is 5 working days, while the preparation of an account statement dating back more than one month will take up to 20 working days. Customers may obtain information regarding Conditions of Electronic statement from the Bank's website at 17 Week days from 8 a.m. to 4 p.m. Usual fulfilment deadline: 2 working days. Printing of certificates is possible within 4 hours, replacement of account statements is possible within 1 working day, for an urgency fee, or else within the usual fulfilment deadline; there are no fulfilment deadlines other than these. 18 In the case of a notice of cancellation sent by post, the CitiPhone fee is applied. 19 From the 1 st of February, 2014 no Long Term Investment (Deposit) can be placed. 8

9 5 Citicard 5.1 Fees related to MasterCard CHIP / PayPass TM* Debit cards for main account holders Annual card fee in first year Card application In case of contract concluded before the 1st January 2013 In case of contract concluded after the 1st January 2013 Citi Priority fee package (formerly known as New 0 HUF package) Applicable for agreements concluded after May 5th, 2014 Applicable for agreement s concluded before May 5th, 2014 Citi Global HUF 6990 HUF 5990 HUF 6990 Annual card fee after first year HUF 6990 HUF 5990 HUF 6990 Fee package TOP CitiComfort VIP CitiControl Net HUF 2790 In case of contract concluded before the 1st January 2013: In case of contract concluded after the 1st January 2013: HUF 2790 HUF 5500 HUF 5500 HUF 5500 HUF 5350 HUF 5500 HUF 5350 Card renewal at expiry HUF 590 HUF 550 HUF 590 Card blocking ATM cash-withdrawal Purchase using card At Merchants /On Internet 0,3%, max.huf 6990 HUF 550 As indicated in the account fee packages HUF 550 HUF 550 In case of contract concluded before the 5th September 2013: In case of contract concluded after the 5th September 2013: 0,3% max. HUF 6020 * Debit Card with PayPass function. The soft limit of PayPass transactions (contactless purchase transaction completed with the use of PayPass debit card) is determined by countries by the Card Company concerned. In case of debit cards issued by the MasterCard International Inc. card company the soft limit amount applicable to PayPass transactions within Hungary as defined by the card company is currently HUF 5. Soft limits outside Hungary may vary by country. 9

10 5.2 Fees related to MasterCard CHIP / PayPass TM* Debit cards for joint or co-account Card application Citi Priority fee package (formerly known as New 0 HUF package) Applicable for Applicable for agreements agreements concluded after concluded before May 5th, 2014 May 5th, 2014 Annual card fee in first year HUF 6990 HUF 1990 Annual card fee after first year HUF 6990 HUF 1990 Citi Global HUF 6990 HUF 6990 Card renewal at expiry HUF 590 HUF 550 HUF 590 Card blocking ATM cash-withdrawal Purchase using card At Merchants /On Internet Fee package TOP CitiComfort VIP CitiControl Net HUF 3810 HUF 550 As indicated in the account fee packages 0,3% max. HUF 6990 HUF 3810 HUF 3810 HUF 550 HUF 550 In case of contract concluded before the 5th September 2013: In case of contract concluded afterthe 5th September 2013: 0,3% max. HUF 6020 * Debit Card with PayPass function. The soft limit of PayPass transactions (contactless purchase transaction completed with the use of PayPass debit card) is determined by countries by the Card Company concerned. In case of debit cards issued by the MasterCard International Inc. card company the soft limit amount applicable to PayPass transactions within Hungary as defined by the card company is currently HUF 5. Soft limits outside Hungary may vary by country. 5.3 Limits related to Citicards 21 Cash-withdrawal limit at ATM within Hungary Cash-withdrawal limit at ATM abroad Purchase limit within Hungary Purchase limit abroad HUF 300 / day HUF 300 / day HUF 880 / day HUF 880 / day 21 Depending on the risk category of the transaction, the limit that is actually applied may differ in certain cases. The company that operates the given ATM may have set cash-withdrawal limits on the machine that are lower than those determined by Citibank, and these ATM settings are something Citibank cannot influence. It is possible, therefore, that - despite there being sufficient funds on the account the cardholder will be unable to withdraw the entire cash amount that corresponds to the limit set by Citibank. 6 Cash-desk operations and cheque transactions 6.1 Cash transactions Cash deposit at a branch Cash deposit at Citibank ATM Cash withdrawal at a branch 22 As indicated in the account fee packages Cash conversion at a branch 6.2 Cheques Issuing a bank cheque 1% min. USD 30 max. USD 100 / cheque Cashing a bank cheque 0.7% min. USD 30 / cheque + fee of the foreign bank on a case-by-case basis Commission on unpaid cheques 0.3% min. USD 50 / cheque 22 If the Customer wishes to make a withdrawal from a branch in Budapest and the amount is at least HUF 2 or the equivalent thereof in a major foreign currency (USD, EUR, GBP, CHF), he must indicate his intention to withdraw the money at least 1 working day prior to the planned withdrawal; the intention to withdraw an amount in excess of HUF 10 or the equivalent thereof in a foreign currency must be indicated at least 2 working days prior to the planned withdrawal, in both cases latest by 3 p.m. from Monday to Thursday, or by 1 p.m. on Friday. If the Customer wishes to make a withdrawal from a branch outside of Budapest, then if the amount exceeds HUF 2 or the equivalent thereof in another currency, he must indicate his intention at least 2 working days in advance, by 3 p.m. from Monday to Thursday, or by 1 p.m. on Friday. In the case of other currencies, irrespective of the amount to be withdrawn, we request that Customers notify the bank about their intention to withdraw cash 2 banking days prior to the value date of the withdrawal, latest by 3 p.m. from Monday to Thursday, or by 1 p.m. on Friday. If the Customer then decides not to make the announced withdrawal after all, he may cancel the withdrawal free of one working day prior to the scheduled withdrawal, by 3 p.m. on Mondays to Thursdays, and by 1 p.m. on Fridays. If a pre-announced withdrawal is subsequently not made, or only part of the amount is withdrawn, a fee of HUF 2 will be d on each HUF 1 or fraction thereof that is not withdrawn. Without informing us of your intention to withdraw cash greater than HUF 2 you will be d a fee of 0.2% for the amount above HUF 2 million or equivalent foreign currency in addtition to the general fees. 23 The fee specified by the foreign bank on a case-by-case basis is not known in advance, and the Bank s it to the customer s account after the cheque has been cashed. The fee is usually between USD 5 and USD 150, but significant variations from this are also possible. 10

11 7 Loans associated with current accounts Interest calculation The Bank s credit interest on the daily balance of the used amount of the overdraft limit. Method of interest calculation: Interest amount = (Capital x Interest rate x No. of days) / 365 days 7.1 Citibank Secured Credit 24, 27 As of 16th of September 2013 the Bank will not accept loan application with foreign currency time deposit collateral Application fee Increasing of credit limit 1% of increase max. HUF Annual credit interest 15% The maximum possible credit limit is 95% of the capital amount of an auto-renewal HUF deposit, 90% of foreign currency deposit, or 80% of that of a Market Linked Deposit. In case of contracts opened after 8th of March, 2011 the 85% of the foreign currency deposit could contain 80% of local currency market linked deposit or 70% of foreign currency market linked deposit. The smallest possible credit limit is HUF 200. The Bank blocks the amount of the deposit, as collateral, during the tenor of the Deposit Loan or until the Bank s claim arising on the basis of the loan has been repaid in full, and as a result of this blocking, the Customer is no longer able to dispose over the amount of the deposit. If the Customer does not fulfil any of his payment obligations arising from the Secured Credit agreement, or if he otherwise breaches the provisions of the Deposit Loan Agreement, the Bank is entitled to satisfy its claim under the Secured Credit Agreement directly from the deposit that has been blocked as collateral. 7.2 Citibank Authorized Overdraft The current account overdraft limit must be at least HUF 110 (minimum overdraft limit), and may be as much as twice the Customer s net monthly salary, but not more than HUF Application fee HUF 0 in all fee packages Increasing of credit limit 25% 25 in all fee packages Annual credit interest 0% in all fee packages The conditions for providing an overdraft credit line, approved by the Bank through the credit review process, are: (i) regular incoming salary for three moths credited to the named existing Citibank current account before the submission of the application, or (ii) certified statements for two month records from another bank, and first incoming salary to the named existing Citibank current account. Condition of continuous commitment of the salary based overdraft line is: i) Customer s regular salary incomes have to be credited to the same Citibank bank account from the employer, which was named on the application. 7.3 Citibank Balance Based Overdraft 27 The current account overdraft limit must be at least HUF 200 and at most HUF 1 depending on the customer s average total balance 5 of the last three months before application Application fee HUF 0 in all fee packages Increasing of credit limit 25% 25 in all fee packages Annual credit interest 0% in all fee packages 7.4 Citibank Investment Secured Overdraft 27 The securities acceptable as collateral can be Hungarian Government Securities, Foreign Government and Corporate Bonds, Structured Notes, On-shore and Off-shore Mutual Funds distributed by Citibank. Securities are valued one by one and in case of more securities are to be collateralized summarized as well according to the bank s own specific terms. Considering that group of acceptable securities and the value of the securities are changing continuously, information on acceptable securities at a specific point of time is available at the personal bankers prior to the application Application fee 1% of approved overdraft amount but maximum of HUF 100, EUR 400, or USD 600 depending on the currency of the overdraft in all fee packages Annual credit interest HUF overdraft Annual credit interest EUR overdraft Annual credit interest USD overdraft HUF overdraft amount: Overnight Bubor+3,00% HUF overdraft amount Overnight Bubor r+2,50% 50 HUF or more overdraft amount Overnight Bubor +2,00% (APR 25 : %) EUR overdraft amount: Overnight EUR Libor+3,00% EUR overdraft amount Overnight EUR Libor r+2,50% 200 EUR or more overdraft amount Overnight EUR Libor +2,00% (APR 25 : %) USD overdraft amount: Overnight USD Libor+3,00% USD overdraft amount Overnight USD Libor r+2,50% 300 USD or more overdraft amount Overnight USD Libor +2,00% (APR 25 : %) 25 The amount of APR calculated according to Article 4 (2) of the Government Decree 83/2010. (III.25.) for a loan amount of HUF 375 at a term of 3 months is 28,07%. In case of Citibank Balance Based overdraft the APR is 16,08%-20,03% The definition of the APR (annual percentage rate) has been done with regard to current terms and conditions and valid laws and regulations, and its rate is subject to change if the terms and conditions change. The value of the APR depends on the overdraft facility interest rate and the full fee of the loan, which includes the annual fee of the debit card and the monthly customer contact fee if such fees are d. 11

12 26 The Bank determines the aggregated average balance in accordance with subsection 1. i) of this part (I General Fee Terms) of the Interest and Fee Terms, but for the purposes of this calculation it does not take into account any sums that have been segregated as collateral. 27 The Citibank Investment Secured Overdraft Facility from 11 June 2010, the Citibank Balance Based Overdraft Facility from 1 January 2015 and Citibank Secured Credit from 15th October 2015 are unavailable for new contracts. 7.5 General conditions pertaining to loans If there are insufficient funds on the Customer s account to fulfil orders as they become due for fulfilment, or if the Customer breaches his approved credit limit, he will be d the default interest indicated below. Method of interest calculation: Interest amount = (Capital x Interest rate x No. of days) / 365 days Currency Interest rate HUF 39,5% EUR 10,0% USD 15,0% GBP 15,0% CHF 5,0% CAD 15,0% With respect to the Citibank Authorized Overdraft and the Citibank Balance Based Overdraft, any due interests and s occurring in relation to the utilized portion of the overdraft limit are displayed separately in the monthly account statement. The interests and s shall fall due on the last working day of the month concerned. Due interests and s may only be settled from the positive balance available on the given account and/or, after they have fallen due, from incoming amounts credited to the account, If the settlement of the debt is not possible in this manner,the debt shall expire from the 15th day of the month following the month concerned, and the Customer will be d the default interest indicated above. 8 Other banking services Installation Not necessary Fee for using the service Díjmentes In order to ensure security for the its Customers, Citibank operates a complex limit system in relation to the service. The limits associated with the security system are set out below. Type of transfer Book transfer between own accounts Book transfer between Citibank accounts Max. HUF amount per transfer Max. no. of transactions in any one day Max. aggregate HUF amount transferable in any one day Max. no. of transfers on 4 consecutive days Max. aggregate HUF amount transferable on 4 consecutive days HUF 100 No limit HUF 100 No limit HUF 400 HUF 7 25 transactions HUF 7 25 transactions HUF 28 Transfer to an account at 29 HUF 7 25 transactions HUF 7 25 transactions HUF 28 another bank (GIRO) 28 Feel free to try out our service from our website using the Demo! 29 Transfer orders for HUF 30,, or the equivalent thereof in another currency may only be submitted at a branch of the Bank. 8.2 CitiPhone Banking telephone-based customer service One-off joining fee Service fee 30 Transfer orders for HUF 30,, or the equivalent thereof in another currency may only be submitted at a branch of the Bank. 8.3 Citibank SMS Alerting Service (CitiAlert) Monthly subscription fee HUF Monthly subscription fee for Citi Global package HUF 600 The monthly subscription fee is debited by the fourth working day of the month following every given month. 31 In case of TOP and VIP fee packages first year is free. In the case of accounts opened before 15 June 2012: - The fee waive takes place according to the following process: the monthly subscription fee gets d on the first working day after the given month, and gets waived until 15th after the given month provided the Client was in the TOP, VIP fee packages on the last day of the given month, - The fee waive is valid for the month of the application and for the 11 following months in case of first application for any of TOP, VIP fee packages provided the Client is in TOP, VIP fee packages without any suspension. In the case of accounts opened after 15 June 2012: - The fee exemption works as follows: if the Customer is in the TOP fee package as of the last day of the month concerned AND he/she is registered to receive electronic account statements, and in addition, he/she authorises the sending of materials of a marketing content via all channels ( , SMS, telephone, paperbased postal letter), then the monthly subscription fee is not debited in respect of that given month. 12

13 - The fee exemption applies to the month in which the Citibank Alerting Service is requested, and, at most, to the 11 months following that, in the case of the first request for any TOP fee package, provided that the Customer remains in the TOP fee package continuously, without interruption, during the above period. 8.4 Travel Pack Standard Package HUF Ultima Package HUF The Travel Insurance in the Travel Pack is provided by AIG Europe S.A. Hungarian Branch (1133 Bp. Váci út 76.) with the cooperation of Citibank. The annual fee for the Travel Pack requested by the Customer on his/her own behalf or on behalf of other persons will be d by the Bank to the requester s bank account. The payment of the fee shall take place once a year. If the service is set prior to the 15th of the given month, the debiting of the fee shall take place on the 15th of the given month, and if the service is set after the 15th of the given month or later during the month it shall take place on the 15th of the following month. The setting of the service shall be effected within 2 working days following the requesting of the Travel Pack Please read carefully the Citibank Travel Insurance Conditions for the insurance details, which is also available in our branches and on our website. 8.5 Citi Global Transfer Transfer fee via free of Transfer fee via CitiPhone Telephony Sevice 0,5% min Ft, max 126 Ft 33 Citi Global Transfers will be available from 12 September, 2011 through internet bank and CitiPhone Banking Telephone Customer Service. With Citi Global Transfers you can transfer money to other Citi entities. Your Citi Global Transfer transaction will be processed same-day based on the cut-off times described in 7.1 and you may receive or send payments from/to the Citi entities in the below chart. If the transfer has been made to a foreign currency that is not available within Citibank Europe plc Hungarian Branch Office, the amount will be converted and will be debited to your account, which the sender indicated as a payee account. In case of a transaction which requires currency exchange, the exchange rate will be visible on during initataion of the transaction.citi Global Transfers is an option among the other transferring methods available at Citibank. In case of the sender and the receiver accounts are in different currencies, the currency exchange is made on the online exchange rate provided by the international company involved in the transaction, using a direct conversion between currencies involved. Country Citi entity Country Citi entity Australia Citibank Limited India - Pune Citibank, N.A. Bahrain Citibank, N.A. Bahrain India - Surat Citibank, N.A. Czech Republic Citibank Europe Plc, Organizační Složka Czech Republic India - Bhopal Citibank, N.A. United Arab Emirates Citibank, N.A. UAE India - Jalandhar Citibank, N.A. United Kingdom Citibank IPB/PBG India - Pondicherry Citibank, N.A. United Kingdom Citibank International Plc India - Vapi Citibank, N.A. Egypt Citibank, N.A. Indonesia Citibank, N.A. Faridabad Citibank, N.A. Japan Citibank Japan ltd Philippines Citibank, N.A. Jersey Citibank IPB/PBG Guam Citibank, N.A., Guam China Citibank (China) Co., Ltd. Hong Kong Citibank (Hong Kong) Limited Columbia Citibank Colombia S.A. India - Ahmedabad Citibank, N.A. Korea Citibank Korea Inc. India - Akola Citibank, N.A. Poland Citi Handlowy India - Bangalore Citibank, N.A. Malaysia Citibank, Berhad India - Baroda Citibank, N.A. Maryland Citibank, N.A. India - Bhub-Aneshwar Citibank, N.A. Mexico Banamex India - Calcutta Citibank, N.A. Singapore Citibank Singapore Ltd. India - Chandigarh Citibank, N.A. Taiwan Citibank Taiwan Ltd India - Chennai Citibank, N.A. Thailand Citibank, Thailand India - Cochin Citibank, N.A. California, Citibank (West), F.S.B. India - Coimbatore Citibank, N.A. Connecticut, Citibank, N.A. India - Gurgaon Citibank, N.A. Florida - Citibank, N.A. India - Hyderabad Citibank, N.A. Illinois, Citibank, N.A. India Indore Citibank, N.A. Massachusetts, Citibank, N.A. USA India - Jaipur Citibank, N.A. Nevada, Citibank, N.A. India - Lucknow Citibank, N.A. New York, Citibank, N.A. India - Ludhiana Citibank, N.A. Other, Citibank, N.A. India - Mumbai Citibank, N.A. Pennsylvania, Citibank, N.A. India - Nanded Citibank, N.A. Texas, Citibank, N.A.. India - Nandyal Citibank, N.A. Virginia, Citibank, N.A India Nasik Citibank, N.A. Washington D.C., Citibank, N.A. India - New Delhi Citibank, N.A. Vietnam Citibank, N.A. Vietnam India - Noida Citibank, N.A. 8.6 Fees related to collection orders, authority transfers, and transfer Acceptance of authorisation for collection order HUF 2 / authorisation Fulfilment of collection, authority transfer, and transfer decree In the case of electronic submission, HUF 300 / (partial) fulfilment In the case of paper-based orders, HUF 1 / (partial) fulfilment Initiation of collection order HUF 500 / collection Acceptance of collection order with authority documents attached HUF 2 / collection 13

14 8.7 Safe rental From 2 nd October, 2015 safe rental service is not available Safe lock-changing fee 34 HUF If one or both safe keys are lost, the changing of the safe lock must be seen to at the branch Safe size at the Vörösmarty tér branch Monthly fee (1) 7.5 x 60 x 25 cm HUF 1 (2) 12 x 31 x 40 cm HUF 2 (3) 22.5 x 60 x 25 cm HUF 3t (4) 46 x 60 x 25 cm HUF 4 (5) 93,5 x 60 x 25 cm HUF 5 Safe size at other branches (where available) Monthly fee (1) 8 x 31 x 40 cm HUF 1 (2) 12 x 60 x 25 cm HUF 1 (3) 24 x 31 x 40 cm HUF 2 (4) 48 x 31 x 40 cm HUF 2 35 The monthly rental fees for each month concerned are due on the first business day of the following month. VAT is included. 8.8 Maximum USD 1 emergency cash assistance abroad, d to foreign currency account (provided the Client holds a foreign currency account, if not to HUF account) and arranged at a Citibank branch Fee Certain foreign units of Citigroup may sometimes request a fee for the service, which will be d to the Customer. Citibank Europe plc Hungarian Branch Office s 25 USD to Clients of foreign Cititbank entities for emergency cash assistance. 8.9 Safe custody fee Monthly fee HUF Instruction upon death Fee HUF 1500 / statement The Customer shall notify the Bank without delay in writing of all changes in any data stated in the statement. In this case, a new statement is necessary to be filled out KHR 38 data provision Fee 38 Central Debt and Credit Information System 8.12 Market Index-Linked Time Deposit Market Index-Linked Time Deposit early termination fee As per specific given offer 8.13 Other s The curier service s fees will be as they occured Takeover Bank delivery at post office: HUF

15 9 The final cut-off times for submission of orders for same-day processing and schedule for the debiting of accounts (all times indicated are in Central European time, CET) General rules Via Via CitiPhone At a branch 40 HUF transfer to another bank via GIRO 16:30 16:30 13:00 HUF transfer to a corporate account held at Citibank 16:30 16:30 13:00 HUF transfer to a retail account held at Citibank (including repayments of Citibank 41 Personal Instalment Loan or Citibank Personal Line of Credit) 21:00 20:00 13:00 HUF transfer between the Customer s own HUF accounts 21:00 20:00 13:00 HUF transfer from a FCY account to another bank 16:30 16:30 9:00 HUF transfer abroad 13:00 11:00 9:00 HUF transfer to a Citibank Credit Card account 15:00 20:00 During cash-desk opening hours Domestic HUF transfer to another bank via VIBER not available 13:00 13:00 Recall of a HUF transfer order not available 16:00 During cash-desk opening hours Standing order submission, amendment, cancellation (LCY, FCY) 23: : :00 Authorisation for multiple direct debit order, setting of individual limit 43 23:59 20:00 13:00 Cancellation of a multiple direct debit order prior to fulfilment 44 16:00 on working day prior to the not available not available booking day Automated internal transfer instruction between own accounts with limit monitoring not available 20:00 13:00 Initiation of prompt collection order not available not available 13:00 FCY transfer to an account at another bank /Interbank FCY transfer (including transfers towards Clients of Citibank Corporate and Investment Bank, including SEPA) 13:00 11:00 9:00 FCY transfer to an account at Citibank (with or without conversion) 21:00 20:00 9:00 Transfer with conversion between the Customer s own accounts 21:00 20:00 9:00 Citi Global Transfers 23:59 20:00 9:00 Opening of time deposit no time limit 20:00 During cash-desk opening hours Cancellation of time deposit prior to maturity no time limit 20:00 During cash-desk opening hours Supplementing of deposit on the maturity date no time limit 20:00 During cash-desk opening hours Reduction of deposit amount on the maturity date no time limit 20:00 During cash-desk opening hours Changing of deposit not available M-Th 14:30, F 13:30 14:00 Changing of deposit tenor no time limit up until start of day-end closure on working day prior to maturity date During cash-desk opening hours Release of deposit on maturity date no time limit no time limit During cash-desk opening hours Change of interest-related instructions no time limit up until start of day-end closure on working day prior to maturity date up until start of day-end closure on working day prior to maturity date Instructions related to Citibank Alerting Service 20:30 20:00 During cash-desk opening hours Instructions related to e-statement service no time limit 20:00 During cash-desk opening hours Changing fee package (fees and discounts of new fee package will apply from the first day of the next month) 16:00 on working day prior to last working day of the month 8:30 on last working day of the month 16:00 on working day prior to last working day of the month 39 The final cut-off times for submission of orders apply for banking days (from Monday to Friday). Orders submitted during Saturday s opening hours will be processed on the following banking day. Transactions accepted within the cut off times are executed on the day of acceptance unless a future date is specified by the submitting customer or by a relevant Act applicable to the particular service. The General terms and conditions for submitting payment orders are regulated by NBH (National Bank of Hungary) Decree on the execution of payment transactions. The starting and closing time on working days of the services defined by the Bank listed above, are two hours further than the final cut-off times for submission. Except HUF transfer orders via Giro without conversion submitted electronically, where the starting time of a working day is 5:30 a.m. (in case of CitiPhone Telephone Customer Service it is 8:00 a.m.). 40 Cash-desk hours are the same as the branch opening hours (excl: Arena Plaza Branch and Mammut Branch, where the branch opening hours are from Monday to Friday 10:00-17:30) 41 Not applicable for full or partial repayment of a Loan, where separate customer instruction is needed via CitiPhone. 42 Instructions given after the cut-off time are fulfilled on the next working day. 43 Latest until the above time on the working day prior the first/next effective date 44 To cancel direct debit order the customer has to provide the following information: Name of the beneficiary, the amount of the payment, the account number to be debited and the value date of the debit. The cancelation of the direct debit will apply only for the given direct debit defined with the data listed above. 9.8 Special rules related to the submission and handling of orders The funds necessary for the order to be executed must be made available either by releasing a time deposit, depositing money at the cash desk or making a book transfer from another account on the day that the Bank processes the order, (i) in the case of orders accepted for same-day fulfilment, by the cut-off time for the submission of orders, and (ii) in the case of forward value-date orders, prior to the start of processing of the order on the given value date. If this is not done, the Bank cannot guarantee that it will be possible to use the funds for the purpose of transfer on the same day. The Bank accepts no liability for any damages arising from the fact that the funds required for a transaction are not made available in time. If the Customer is able to provide the necessary funds by the cut-off time for submission of orders for processing on the given day, the Bank will fulfil the submitted order, provided there are no obstacles of any other kind to fulfilment; if there are, the Bank will delete the order. If the Customer makes available the funds for a foreign currency transfer after the cut-off time for order submission, the Bank cannot guarantee that the exchange rates set during the course of rate fixing that morning will be applied or cannot guarantee even the execution of the order The Bank cannot guarantee to delay orders made correctly and with funds available If the Customer intends to provide the funds necessary for execution of the order by releasing a time deposit, making a cash deposit, or making a book transfer from another account, he must clearly indicate this on the order. If he does not, the Bank will not fulfil the order. 15

16 9.8.3 Orders submitted after the cut-off times for same-day processing will unless the Customer has indicated a later deadline be regarded by the Bank as having arrived on the following banking day, and will be processed accordingly The Bank (with the exception of prompt collection orders) does not undertake to queue transfer orders it receives The bank will check coverage and use for same day fulfillment the available balances at 8.00 a.m. in case of affected bank accounts for Collection, Authority payment, Court transfer order. Blocked amounts will be used for fulfillment on the next working day The Bank may from time to time, in relation to day- or month-end closure, or for systems maintenance, security or other reasons, specify extraordinary, oneoff order-submission deadlines that differ from the generally submission deadlines specified in point 7.1. It will inform the Customer of any such changes In case of orders made in paper or SWIFT message format, different order types should be submitted on separate forms or SWIFT messages (i.e. only HUF or only foreign currency transfer orders) From the 28 th of January, 2008 the Bank, as a new service, can receive and perform the SEPA Credit Transfer (SCT SEPA Credit Transfer) type of foreign currency payments in euro. These payments performed on the basis of SEPA Credit Transfer Rulebook developed by the European Payment Council can be used between countries belonging to the European Union countries, Iceland, Lichtenstein, Norway and Switzerland. List of banks whose have been adhered to SEPA rules and are registered by EPC can be found on the website of EPC. The Bank will not undertake any obligation with respect to the authentication of the list.(http://epc.cbnet.info/content/adherence_database). From the 28 th of January, 2008, the Bank has been adhered to SEPA rules and is registered by EPC, therefore the Bank perform outgoing and incoming SEPA transfers. Basic conditions of a SEPA transfer: SEPA payments can be sent only to those beneficiaries whose banks have been adhered to SEPA rules and are registered by the European Payments Council If the payment order is submitted on the standard foreign currency transfer form of the Bank, it should be indicated by ticking the SEPA transfer box in the header of the form SEPA transfer performed only between the above countries, in euro In the payment order the indication of IBAN account number and the SWIFT code of the beneficiary s bank (BIC code) is obligatory As the SEPA transfer can be initiated only with shared s option, please indicate SHA in s option field only. If otherwise indicated, the Bank will not take this into consideration while performing the payment In case the currency of the account to be debited / credited kept by the Bank is not euro, execution of the payment transfer may be extended due to conversion The Bank applies a indicated as SEPA, and further SWIFT fees are not debited The Bank shall only handle the transfer according to the announced SEPA conditions if all the above listed conditions are fulfilled and the payment order is filled out correctly and contains all the required data. If, for any reason, the transfer cannot be performed as SEPA transfer but the payment order does contain the data required for FCY transfers, the Bank shall handle such transfer as a normal FCY transfer, and shall apply the general conditions related thereto. 9.9 Cancellation / amendment, recall of orders The Bank does not guarantee the fulfilment of deletion or modification requests that arrive after the deadline for the submission of orders In the case of transactions where No time limit is indicated in point 9.1., it is not possible to cancel or amend the order after it has been submitted Amendment / cancellation of orders submitted at a branch / by fax / in the original: The accounting department will attempt to fulfil any amendment / cancellation requests that it receives, but the Bank will not undertake any obligation with respect to such fulfilment and will not take the responsibility of unsuccessful amendment/cancellation.(because, for example, the cancellation / amendment order may have arrived after the original order has already been fulfilled) The Bank will attempt to fulfil any cancellation / amendment requests made via CitiPhone Banking, but it will not undertake any obligation with respect to such fulfilment It is possible to cancel / amend orders given via provided that the orders have not yet been processed. In such cases, Customers may only initiate the amendment / cancellation of the order via. The accounting department will attempt to fulfil any amendment / cancellation requests that it receives, but the Bank will not undertake any obligation with respect to such fulfilment and will not take the responsibility of unsuccessful amendment/cancellation. It is possible to check whether a given order has been processed via the Account balance details and transactions menu The Bank may from time to time, for systems-maintenance, security or other reasons, stipulate certain types of transactions, order-submission channels and/or specific times with respect to which, through, or when, amendment or cancellation is not possible, or is only possible in a restricted extent. The Bank shall inform the Customer of such changes The bank will not take any responsibility for the successful fulfillment of recalled domestic HUF transfers. The recalled amount will be credited after received back from beneficiary s bank, with the value date of receiving, applying the fees and exchange rate differential of beneficiary s bank if any Fulfilment of orders The deadlines for fulfilment of transfer orders are set forth in Decree 21/2006. (XI.24.) of the National Bank of Hungary and the Pft., and the Bank fulfils orders by the deadlines stipulated in the decree Provided the order has arrived at the Bank by the cut-off time for submission, and provided the funds as well as the information needed for the transfer are at the Bank s disposal, and there is no other impediment to fulfilment, the time needed for the amount involved in the payment order to reach the beneficiary s account may depending on the type of transfer concerned, and assuming normal business conditions and transaction processing times be expected to be as follows: Type of order HUF transfer initiated electronically via Giro 45 : Paper based HUF transfer initiated via Giro 46 HUF book transfer within the Bank HUF transfer abroad HUF transfer within Hungary via VIBER FCY transfer/sepa transfer with conversion (Except HUF/EUR conversion) FCY transfer/sepa transfer without conversion or with HUF/EUR conversion Citi Global Transfer FCY book transfer within the Bank, with or without conversion Fulfilment Credited within 4 hours on the beneficiary s bank s account Transfer orders submitted before cut off time will be credited same day within 4 hours on the beneficiary s bank s account Day of acceptance At the earliest, next banking day Day of acceptance At the earliest, 2 nd banking day following the day of acceptance At the earliest, next banking day following the day of acceptance Online Day of acceptance 45 In compliance with the NBH (National Bank of Hungary) Decree 18/2009 (VII. 6) and based on it s modification with the NBH (National Bank of Hungary) Decree 15/2010 (X.12), following July 1st, the payment service provider has to ensure that the submitted same-day non-conversion HUF transfer orders (including orders submitted via CitiPhone Telephone Customer Service) will be credited on the beneficiary s payment service providers bank accounts within 4 hours following the receipt of such order. 46 In compliance with the Section 17 of NBH (National Bank of Hungary) Decree 18/2009 (VII. 6) from January 1 st 2016 the payment service provider has to ensure that the paper based same day non conversion HUF transfer orders accepted before final cut off time will be credited on the beneficiary s payment service providers bank s account within 4 hours also. 16

17 The value day that is, the day on which the Customer s account is debited is the same as the day on which the Bank processes the transaction In compliance with the NBH (National Bank of Hungary) Decree 18/2009 (VIII.6.) Section 37 (8): The beneficiary shall submit a direct debit order in the place, in the manner and with the frequency (submission deadline) determined in the frame contract entered into with its account keeping payment service provider at least five business days prior to the debit date stated in the direct debit order. The electronic notifications received from the Service Suppliers arrive to our Bank within a closed system and the relevant amounts are separated automatically on our Clients accounts until the day before of thecollection. The separated (blocked) amount(s) is (are) not available at the account until their effective booking, therefore there may be difference between the account balance and the available balance The Bank has the right to proceed further control actions to verify the solidity of the order. In case the order generates any suspicion the Bank has the right to delay the order until further verification Processing of incoming items The Bank processes items on the given banking day that arrive at the Bank by the times indicated in the table below, and that have all the information required for the incoming item to be credited: The closing time of the day and the starting time of the next day is the same time as the final cut-off times of submission in terms of the payment types listed in the below table. Item Arrival deadline Crediting value day HUF credit via GIRO to a HUF account 18:30 Day of arrival HUF credit via GIRO to foreign currency account in EEA currency 18:30 Day of arrival HUF credit via GIRO to foreign currency account not in EEA currency 18:30 2 nd banking day following the day of arrival HUF credit via VIBER to a HUF account 17:00 Day of arrival HUF credit via VIBER to an FCY account in EEA currency 17:00 On the day of crediting the Bank s account HUF credit via VIBER to an FCY account not in EEA currency 17:00 2 nd banking day following the day of arrival HUF credit via intra-bank book transfer In the case of items arriving from a consumer or CitiBusiness Small Business account: any time 47 Day of arrival Crediting of HUF amount arriving from abroad to a HUF account 17:00 Day of arrival Crediting of HUF amount arriving from abroad to an FCY account in EEA currency 17:00 On the day of crediting the Bank s account Crediting of HUF amount arriving from abroad to an FCY account not in EEA currency 17:00 2 nd banking day following the day of arrival In the case of a transaction from outside the Bank: 8:00 Processing/crediting of collection order, authority transfers, and transfer decrees FCY credit item arriving from outside the Bank, without conversion in EEA currency FCY credit item arriving from outside the Bank, with conversion not in EEA currency FCY credit item arriving from outside the Bank, with conversion (if the conversion does not involve an EEA currency) FCY credit item arriving from outside the Bank, with conversion (if the conversion involves an EEA currency) FCY credit item arriving internally from the Bank, without conversion FCY credit item arriving internally from the Bank, with conversion (if the conversion does not involve an EEA currency) FCY credit item arriving internally from the Bank, with conversion (if the conversion involves an EEA currency) In the case of items arriving from a consumer or CitiBusiness Small Business account: any time M-Th: 8-16:30, F: 8-15:30 Day of arrival 18:00 On the day of crediting the Bank s account 18:00 If the original value day is the same as the day of processing, then the day of processing. If the original value day is later than the day of processing, then the original value day. If the original value day is before the day of processing, then the day of processing. 18:00 On the day of crediting the Bank s account 18:00 2 nd banking day following the day of arrival In the case of a book transfer via 23:59 or CitiPhone: 16:30 In the case of paper-based book transfer order: 9:00 In the case of a book transfer via 23:59 or CitiPhone: 16:30 In the case of paper-based book transfer order: 9:00 In the case of a book transfer via 23:59 or CitiPhone: 16:30 In the case of paper-based book transfer order: 9:00 Day of arrival Day of fulfilment 2 nd banking day following the day of submission Countervalue of collected FCY cheque, without conversion or with conversion in an EEA currency 8:00 On the day of crediting the Bank s account Countervalue of collected FCY cheque, with conversion in an EEA currency 8:00 2 nd banking day after the fulfilment Cash-desk deposits During cash-desk opening hours Day of arrival Crediting of countervalue of purchased traveller s cheques - up to USD 5 During cash-desk opening hours Day of arrival - more than USD 5 During cash-desk opening hours Varies: the Bank accepts the cheque for the purpose of collection 47 If the order is submitted by the Customer by the arrival deadline for the given day When a traveller s cheque is redeemed (cashed), the Bank applies the cash buy (bid) rate, and when a traveller s cheque is issued, the cash sell (offer) rate is applied. If the Customer wishes to have the redeemed amount in foreign currency, the forint amount is reconverted at the cash offer rate. 17

18 Any items arriving at the Bank after the above deadlines will be regarded by the Bank as having arrived on the following working day, and processed on the following working day Conversation rates Foreign-currency transfer and credit items requiring conversion (a) The exchange rate applied to credits and debits requiring conversion depends on the amount of the transaction. With respect to the processing of foreign-currency transfers and credits not exceeding an amount of USD 1, or its equivalent that require conversion, the Bank applies the registered foreign exchange (FX) rates submitted on every bank working day and quoted for the period of the processing (the Bank quotes and publishes the FX rates applicable to the given period several times on bank working days). (b) When processing foreign-currency transfer and credit items of a size that exceeds an amount of USD 1, or its equivalent and that require conversion, the Bank applies the latest applicable market FX rates quoted by it on each bank working day in the period of processing (this quoting takes place each day, on a continuous basis). These exchange rates are only guaranteed by the Bank if the (foreign-currency) transfer order: i. arrives at the Bank before the submission deadline ( cut-off time for same-day execution) ii. is covered by funds sufficient for its execution; iii. complies with the other statutory and contractual terms and conditions. In the case of foreign-currency transfer orders received after the cut-off time applicable to orders of the given type, the Bank will execute the transfer on the next working day at the market exchange rate valid at the time of processing Payment transactions executed with a Citicard and requiring conversion If the currency of the given account and the currency of the payment transaction executed with the Citicard differ, then the conversion process described in subsection (i) of the General Terms of Business of the the Bank s Consumer Banking Services is applicable, while the rules applicable to the booking (processing) of such payment transactions are contained in subsection (a) of the same. Payment transactions classed as a cash withdrawal are settled by the Bank on bank working days, on a continuous basis. In the course of the settlement process the Bank applies the latest applicable exchange rate determined in accordance with subsection (a), with the proviso that the last exchange rate quoted and published on the given day shall apply up to the time of the first instance of exchange-rate quoting on the next bank working day. Payment transactions classed as a purchase are settled by the Bank on bank working days, on one occasion, as part of the end-of-day closing process. In the course of settlement for the given day, the Bank applies the last exchange rate determined for the given day in accordance with subsection (a) Fee debits requiring conversion If the fees, commissions or s incurred are not specified in the currency of the given account, the Bank nonetheless s the fees in the currency of the account. For the purpose of converting the fees, the Bank applies the exchange rates indicated below, valid on the day on which the account is d: Type of account Fees, commissions, s specified in Applied rate 9.13 Fee-debiting procedure HUF account foreign currency FX mid rate FCY account forint FX mid rate FCY account A foreign currency other than the account currency FX mid cross-rate The Bank s to the customer s account the various fees, commissions and costs arising in connection with the orders mentioned earlier as follows: On the day of the transaction Type of account Fees, commissions, s Applied rate specified in The account involved in the transaction Opening of additional HUF- or FCY account;; One-off HUF transfer to another account within the Bank or to an account at another bank; VIBER transfer; FCY transfer to another account within the Bank or to an account at another bank; Citi Global Transfer; HUF transfer abroad; Submission of HUF, Modifying or releasing a time deposit; On the day following the transaction Till the 15th day of the month following the month concerned Till the 15th day of the month following the month concerned Charge bearing account standing order; Fulfilment of HUF standing order to another account within the Bank or to an account at another bank; Authorisation for multiple direct debit order; Fulfilment of multiple direct debit order; Submission of regular transfer order with individual limit; Request for bank certificate; Request for non-regular (additional) account statement; Urgency fee; Changing fee package; Complete termination of customer at the Customer s request, within 6 months, counted from the start of the ; Other service ; Balance inquiry; The account involved in the transaction Fulfilment of regular transfer with individual limit; Lost Citicard due the fault of the Customer, Cash withdrawal at a branch; ATM cash-withdrawal Charge bearing account Monthly fee 48 ; Monthly subscription fee for Citibank Alerting Service, Paperbased statement fee Charge bearing account Card application; Card annual fee; Card renewal at expiry 48 From the 1st of January 2011 the of the monthly fee of the TOP and DUO package will be debited till the 15th after the given month. 18

19 10 Citi Priority additional services connected to every fee packages Citi Priority additional services are provided by the bank to the Citiblue customers for 1 year after amounting to HUF 2 million average monthly balance automatically, independently from the type of fee package and not only in Citi Priority fee package, without any further fees or stated conditions.the additional services are free of and their usage is not mandatory. After a year the bank will review the monthly average balances, and if the condition of HUF 2 million average monthly balance is not met, the bank reserves the right to terminated the additional Citi Priority services. About the termination the bank notifies the affected customers accordingly. In case of termination of Citi Priority services the customers s current account held at Citibank and its pricing package will not be affected. Description of Citi Priority services: Dedicated personal banker Priority service in branches and on CitiPhone chanel Citi Global Transfer User- friendly platform The bank reserves the right to alterate the scope of additional services without notice. 11 Central contact details Postal address: Citibank Europe plc Hungarian Branch Office, 1367 Budapest, Pf. 123 Head office: 1051 Budapest, Szabadság tér 7., Bank Center, Citibank Tower Central telephone number: (1) Central fax number: (1) Internet address: 19

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