Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MAY 04, 2015

Size: px
Start display at page:

Download "Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MAY 04, 2015"

Transcription

1 Announcement on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MAY 04, 2015 K&H CallCenter: Internet: The conditions of the services herein contained are applicable to the customers of K&H Bank (further referred to as the Bank). Fees charged for private banking services are contained in a separate Announcement. The principles and rules guiding the business operations of the Bank concerning investment services and securities dealing are contained collectively in the Investment Services Business Code and this Announcement. In respect to conditions not listed in this Announcement the ones listed in the Announcement for Private individual clients on bank accounts and deposits and the Announcement for Corporate clients on account transactions and deposits are effective. The Investment Service Business Code and the Announcement are displayed at the branches and are available to the Bank s customers free of charge. The Bank expressly reserves the right to unilaterally supplement this Announcement whenever a new service is introduced, and to modify it or the conditions contained herein in line with any changes in money and capital market conditions, in the law and legal regulations or the Bank s Business Policy, and further, to introduce new fees and other charges in addition to the existing ones (hereinafter jointly referred to as: unilateral contract amendment). In the event that a unilateral contract amendment adversely affects Customers, the Bank shall notify them about the unilateral contract amendment at least 15 days prior to its taking effect by way of the Announcement displayed at the branches. For new contracts, the provisions introduced through unilateral contract amendments are applicable on the day the Announcement is put on display and for contracts concluded earlier, such provisions are applicable as from the day the Announcement takes effect. The reason of modification is that Bank stops distribution of K&H szikra abszolút hozamú fund via e-bank from May 20, 2015 and the annual frequency of K&H Investment Compass booklet preparing is decreased from two occasions to one occasion in the framework of enhanced maintenance service. Table of contents 1/40

2 TABLE OF CONTENTS 1. Investments Securities transactions (for natural persons and corporate clients) Distribution of open-ended investment coupons commissions, deal types, characteristics Sale and repurchase commissions of investment funds managed in HUF Sale and repurchase commissions of investment funds managed in foreign exchange Purchase and redemption commissions for transformed open-ended funds Purchase and redemption commissions for K&H likviditási elszámoló fund K&H closed-end investment funds characteristics K&H closed-end funds Other fees Fees of transfers Order fees Fee for physical delivery K&H account package Fees for investment mobilinfo Enhanced maintenance service of securities and client s accounts Distribution hours on distribution days in the branches Custody management and handling CallCenter Corporate Client s orders via telefax E-bank services and distribution hours Commissions received from third parties Investments - K&H dual currency investments K&H dual currency investments K&H dual currency Tower Investment K&H exchange-rate-indexed dual currency investment (range accrual investment) Announcement on the calculation of the EHM index Information from the Dataware-house K&H Bank Group Product risk categories Insurance product risk categories Applicable tax regulations Products insured by the National Deposit Insurance Fund (OBA) Table of contents 2/40

3 1. Investments Securities transactions (for natural persons and corporate clients) The Bank distributes investment coupons managed by K&H Investment Fund Management Pld. within the framework of the Bank s investment and supplementary investment services activity. The investment coupons can only be distributed in the designated branches. See detailed information in the Mutual Funds Prospectus and Management Regulations. As a Primary Dealer, the Bank participates in the primary introduction of government securities and their distribution on the secondary market. In the case of the initial public offering of government securities, the actual partner is the Államadósság Kezelő Központ Zrt. (Government Debt Management Agency Zrt.), while trading in the secondary market is conducted with K&H Bank Zrt. as the actual partner. In case of foreign currency denominated government securities, transactions are concluded as costume-made agreements. In case of own-account trading of corporate bonds the actual partner is the K&H Bank Zrt, transactions are concluded as costume-made agreements. When performing stock exchange transactions on the order of its clients, the Bank employs an Intermediary. This intermediary, is the Hungarian Branch Office of KBC Securities. You can place order for shares, investment coupons and compensation coupons distributed in the Equity Section, where the settlement is on the second distribution day of execution (T+2) Distribution of open-ended investment coupons commissions, deal types, characteristics Sale and repurchase commissions of investment funds managed in HUF 1 Fund Type of order Purchase commission / Due Repurchase commission / Due K&H tőkevédett forint pénzpiaci alap HU in the branch and via Call center T HUF 300 / on execution via e-bank T HUF 150 / on execution K&H aranykosár alap HU in the branch and via Call center T+2 HUF 500 / HUF 500 / on execution via e-bank T+2 HUF 250 / HUF 250 / on execution K&H kötvény alap HU in the branch and via Call center T+2 HUF 500 / HUF 500 / on execution via e-bank T+2 HUF 250 /at placemenr HUF 250 / on execution K&H navigátor indexkövető alap HU in the branch and via Call center T+2 HUF 500 / HUF 500 / on execution via e-bank T+2 HUF 250 / HUF 250 / on execution K&H közép-európai részvény alap HU in the branch and via Call center T+2 HUF 500 / HUF 500 / on execution via e-bank T+2 HUF 250 / HUF 250 / on execution K&H amerika alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution 3/40

4 K&H ázsia alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H ingatlanpiaci részvény alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H öko alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H unió alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H válogatott 1. alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H válogatott 2. alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H válogatott 3. alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H válogatott 4. alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H vagyonvédett portfolió december alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / K&H feltörekvő piaci alapok alapja HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H nyersanyag alapok alapja HUF sorozat HU in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution K&H megtakarítási cél június alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / 4/40

5 K&H megtakarítási cél - február alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / K&H vagyonvédett portfólió augusztus alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / K&H megtakarítási cél - október alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / K&H állampapír alap HU in the branch and via Call center T+2 HUF 400 / HUF 400 / on execution via e-bank T+2 HUF 200 / HUF 200 / on execution K&H vagyonvédett portfolio április alapok alapja HU in the branch and via Call center T+4 HUF 500 / via e-bank T+4 HUF 250 / K&H pénzpiaci plusz alap HU in the branch and via Call center T+2 HUF 300 / on execution via e-bank T+2 HUF 150 / on execution K&H szikra abszolút hozamú származtatott alap 2 HU Remarks: in the branch and via Call center T+3 HUF 500 / HUF 500 / on execution via e-bank T+3 HUF 250 / HUF 250 / on execution T day = order valid as from date T, or T+2, or T+3 or T+4 = Execution date In the case of the Funds listed in the table, the actual partner is K&H Alapkezelő Zrt (K&H Investment Fund Management Pld). Execution date is the starting date of order validity or 2 nd or 3 rd distribution day following the starting date of order validity. Direction of orders is understood from the client s point of view. Orders will be calculated on the net asset value valid on the day of the order has been submitted to the bank. In case of purchases, the order is for a sum, in case of repurchases, the order is for pieces. 1 In case of K&H Pension pre-savings account the sale and repurchase are free of charge. 2 Redemption within 10 distribution days, an extraordinary redemption fee shall be charged equalling the redemption fee + 2%. The extraordinary redemption fee is calculated based on the transaction s market value. In establishing the 10-day limit, the Bank does not take into account the day of placing the order. In respect to the affected funds, the extraordinary redemption fee is also charged for the change deals. The duration of order performance could be longer because of occasionally announced distribution suspensions by K&H Investment Fund Management Pld having regard to the fact that the days of distribution suspensions are not included in the deadline of order performance. 5/40

6 Actual protection level of investment funds In the case of following funds the manager of the funds strives to minimise the probability of the Net Asset Value of Fund units falling below the price level based on the protection level during the period: Fund Period Protection level K&H megtakarítási cél február alapok alapja , HUF HU K&H megtakarítási cél június alapok alapja , HUF HU K&H megtakarítási cél október alapok alapja , HUF HU K&H vagyonvédett portfólió augusztus alapok alapja , HUF HU K&H vagyonvédett portfolió december alapok alapja , HUF HU K&H euró megtakarítási cél április alapok alapja , EUR HU K&H vagyonvédett portfolio április alapok alapja HU ,004257HUF Advance payment fee in case of investment funds listed in point At the redemption of investment coupons down payment may be paid on the day of the validity of the order. The gross amount of the down payment may come to an amount of 85% - decreased with the repurchase commission - of the last known net asset value of the investment coupons offered for sale. The gross amount deducted with the calculated tax and health care contribution is paid onto client account. Definition Commission Due Advance payment fee ( based upon the gross value of down payment) 0,1% min HUF Fees of automatic investment transactions Minimum amount of automatic investment transaction is HUF Definition Commission Due Placing an automatic investment transaction of buying - via every - channel Fee of executing an automatic investment transaction of buying* HUF 50 / transaction on executing the placement - via every channel Modification of automatic investment transaction - via every - channel Cancellation of automatic investment transaction - via every channel - Automatic investment transaction is allowed in case of every HUF denominated, open ended investment fund. *In case of K&H Pension pre-savings account the regular investment fund purchase orders are free of charge. Fees applied for K&H mix savings product As part of the K&H mix saving scheme, the following investment notes are offered for sale: investment notes of K&H HUF denominated open-end investment funds, with the exception of investment notes of K&H capital protected HUF money market fund, K&H pénzpiaci plusz fund and derivative open-end funds. 6/40

7 K&H open-end investment notes purchased within the K&H mix saving scheme according to the Bank s Announcement on bank accounts, deposit accounts and fixed deposits of natural persons are kept separated on a securities account opened for this purpose for a period of 180 days after the date of submitting the related transaction order. Within the K&H mix saving scheme, investment notes can only be purchased for K&H Pillar 4 Pension Savings Accounts or Long- Term Savings Accounts. In case investment notes are redeemed before the end of the separation period, the Bank shall charge a termination fee. Name of fee Rate of fee Due date mix termination fee 0.5% / transaction when performed The basis of the termination fee is the value of redeemed investment notes, calculated at the last known asset value. In case of partial redemption of K&H mix savings during the separation period the value is calculated on the base of the amount of order while in case of full redemption the base is the number of investment notes. Investments may only be set up under the K&H mix savings scheme in branches. During the separation period, mandates for the redemption of investment notes may only be given in branches too. Conditions pertaining to the deposit part of the scheme can be found in the Announcement covering the bank accounts, deposit accounts and term deposits of private individuals (consumers). Switch deals Switch: Switch: the unlimited transfer of the full amount decreased by interest rate tax and the fee of switch invested in a specific fund to a different, same denominated or the same fund, managed by K&H Securities Investment Fund Management Co. Switch means a repurchase deal which is immediately followed by a sale deal, in case of switch deal the client will loose the freedom of interest rate tax in connection with these funds. In the case of switch transactions no advance payment may be made. In the case of capital protected, close-end funds, KBC Bonds funds, K&H nyersanyag alap USD and K&H capital protected USD money market found (K&H tőkevédett dollár pénzpiaci alap) no switch deals are allowed. Switch deals of the derived open-ended funds can be shown at Switch deal commissions: Switch type Commission Due Between various funds denominated in HUF in the branch and via Call center HUF 500 / switch deal via e-bank HUF 250 / switch deal Between various funds denominated in EUR in the branch and via Call center 2 EUR / switch deal via e-bank 1 EUR / switch deal Between the same funds via every channel - Switch deal execution dates: Switch type Switch of investment coupon with T day settlement for an investment coupon with T day settlement Switch of investment coupon with T day settlement for an investment coupon with T+2 day settlement Switch of investment coupon with T day settlement for an investment coupon with T+3 day settlement Switch of investment coupon with T day settlement for an investment coupon with T+4 day settlement Delivery date order valid as from date In the case of redemption transactions, on the order valid as from date ; in the case of purchase transactions, on the 2 nd distribution day following placement of the order valid as from date In the case of redemption transactions, on the order valid as from date, in the case of purchase transactions, on the 3 rd distribution day following placement of the order valid as from date In the case of redemption transactions, on the order valid as from date, in the case of purchase transactions, on the 4 rd distribution day following placement of the order valid as from date 7/40

8 Switch of investment coupon with T+2 day settlement for an on the 2 nd distribution day following placement of the order valid as investment coupon with T day settlement from date Switch of investment coupon with day T+2 settlement for an In the case of redemption transactions, on the 2 nd distribution day investment coupon with T+2 day settlement following placement of the order valid as from date; in the case of purchase transactions, on the 4 th distribution day following Switch of investment coupon with T+2 day settlement for an investment coupon with T+3 day settlement Switch of investment coupon with T+2 day settlement for an investment coupon with T+4 day settlement Switch of investment coupon with T+3 day settlement for an investment coupon with T day settlement Switch of investment coupon with T+3 day settlement for an investment coupon with T+2 day settlement Switch of investment coupon with T+3 day settlement for an investment coupon with T+3 day settlement Switch of investment coupon with T+3 day settlement for an investment coupon with T+4 day settlement Switch of investment coupon with T+4 day settlement for an investment coupon with T day settlement Switch of investment coupon with T+4 day settlement for an investment coupon with T+2 day settlement Switch of investment coupon with T+4 day settlement for an investment coupon with T+3 day settlement Switch of investment coupon with T+4 day settlement for an investment coupon with T+4 day settlement Sale and repurchase commissions of investment funds managed in foreign exchange Fund Type of order placement of the order valid as from date In the case of redemption transactions, on the 2 nd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 5 th distribution day following placement of the order valid as from date In the case of redemption transactions, on the 2 nd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 6 th distribution day following placement of the order valid as from date on the 3 rd distribution day following placement of the order valid as from date In the case of redemption transactions, on the 3 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 5 th distribution day following placement of the order valid as from date In the case of redemption transactions, on the 3 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 6 th distribution day following placement of the order valid as from date In the case of redemption transactions, on the 3 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 7 th distribution day following placement of the order valid as from date on the 4 rd distribution day following placement of the order valid as from date In the case of redemption transactions, on the 4 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 6 th distribution day following placement of the order valid as from date In the case of redemption transactions, on the 4 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 7 th distribution day following placement of the order valid as from date In the case of redemption transactions, on the 4 rd distribution day following placement of the order valid as from date; in the case of purchase transaction, on the 8 th distribution day following placement of the order valid as from date Sale commission / Due Repurchase commission / Due KBC Corporates Bonds EUR LU in the branch and via Call center T+3 1% / via e-bank T+3 0,75% / KBC Corporates Bonds USD LU in the branch and via Call center T+3 1% / via e-bank T+3 0,75% / K&H tőkevédett euró pénzpiaci alap HU in the branch and via Call center T 1 EUR / on execution via e-bank T 0,5 EUR / on execution 8/40

9 K&H tőkevédett dollár pénzpiaci alap HU in the branch and via Call center T 1,2 USD / on execution via e-bank T 0,6 USD / on execution K&H unió alapok alapja EUR sorozat 1 HU in the branch and via Call center T+3 2 EUR / 2 EUR / on execution via e-bank T+3 1 EUR / 1 EUR / on execution K&H euro nemzetközi vegyes alapok alapja HU in the branch and via Call center T+3 2 EUR / 2 EUR / on execution via e-bank T+3 1 EUR / 1 EUR / on execution K&H euro megtakarítási cél áprilisi alapok alapja HU in the branch and via Call center T+4 2 EUR / via e-bank T+4 1 EUR / 1 At the redemption of investment coupons, an advance may be paid on the day of the validity of the order. The amount of the advance may come to an amount equaling 85% - decreased with the repurchase commission - of the last known net asset value of the investment coupons offered for sale. The duration of order performance could be longer because of occasionally announced distribution suspensions by K&H Investment Fund Management Pld having regard to the fact that the days of distribution suspensions are not included in the deadline of order performance. Advance payment fee in case of investment funds listed in point At the redemption of investment coupons in the branch offices, down payment may be paid on the day of the validity of the order. The gross amount of the down payment may come to an amount of 85% - decreased with the repurchase commission - of the last known net asset value of the investment coupons offered for sale. The gross amount deducted with the calculated tax is paid onto client account. Definition Commission Due Advance payment fee in case of EUR funds (based upon the gross value of down payment) Advance payment fee in case of USD funds (based upon the gross value of down payment) 0,1% min. 4 EUR 0,1% min. 5 USD In case the fund redemption executed via e-bank there is no advance payment. In the case of KBC Corporates Bonds funds: the sales commission is based on the purchase price of the investment units bought (net asset value per unit x number of units) upon a buying order, the blanket coverage is established based on the net asset value on the M 3 day the blanket financial coverage to be provided = (net asset value per unit x number of units + sales commission) x 1.05 the settlement period for orders given after 12:00 starts on the trading day following the day of the order Actual business partner: KBC Asset Management In case of K&H funds: The actual business partner is the K&H Alapkezelő Zrt (K&H Investment Fund Management Pld). T day = order valid as from date T or T+3 = Execution date 9/40

10 Execution date is the starting date of order validity or 2 nd distribution day following the starting date of order validity.. Direction of orders is understood from the client s point of view. Orders will be calculated with the exchange rate valid on the day of execution in case of T type of order and orders will be calculated with the exchange rate valid on the day of starting date of the order validity in case of T+3 type of order. The settlement in case of T type order funds are done by using net asset value of a ticket valid on the settlement day, In case of T+3 type order funds the net asset value of a ticket valid on the day the order is submitted used to the settlement calculation. In case of purchases, the order is for a sum, in case of repurchases, the order is for pieces Purchase and redemption commissions for transformed open-ended funds K&H háromszor fizető euro 2. (volt K&H havifix euro 1.) HU Period starting date Period closing date Purchase commission / due date Redemption commission / due date Money-market period April 02, 2009 May 15, 2009 free of charge free of charge Protected period May 18, 2009 March 30, % / 3% / on execution Money-market period April 02, 2012 August 12, 2012 free of charge free of charge Protected period Yield payment until maturity: 09.17,2013, 09.17, 2014, 12.17,2015 August 13, 2012 December 18, % / 3% / on execution Money-market period December 19, 2015 free of charge free of charge K&H euro négyes (former K&H havifix euró 3.) HU Period starting date Period closing date Purchase commission / due date Redemption commission / due date Money-market period August 28,2009 October 18,2009 free of charge free of charge Protected period October 19,2009 August 31,2012 1% / 3% / on execution Money-market period September 01,2012 November 04, 2012 free of charge free of charge Protected period Yield payment until maturity: 11.26,2013, 11.26,2014, 11.26,2015, 11.25,2016 November 05, 2012 November 25, % / 3% / on execution Money-market period November 26, 2016 free of charge free of charge K&H dollar négyes (former K&H dollár fix plusz 2.) HU Period starting date Period closing date Purchase commission / due date Redemption commission / due date Money-market period September 14,2009 October 18,2009 free of charge free of charge Protected period October 19,2009 August 31,2012 1% / 3% / on execution Money-market period September 01,2012 November 04, 2012 free of charge free of charge Protected period Yield payment until maturity: 11.26,2013, 11.26,2014, 11.26,2015, 11.25,2016 November 05, 2012 November 25, % / 3% / on execution Money-market period November 26, 2016 free of charge free of charge 10/40

11 K&H euró plusz (former K&H euró fix plusz Purchase élelmiszer) Period starting date Period closing date commission / due Redemption HU date commission / due date Money-market period April 15, 2011 May 31, 2011 free of charge free of charge Protected period June 01, 2011 June 12, % / 3% / on execution Money-market period June 13, 2015 free of charge free of charge K&H négyszer fizető euró (former K&H euró gyógyvarázs egészség) Period starting date Period closing date HU Purchase commission / due date Redemption commission / due date Money-market period July 13, 2011 August 31, 2011 free of charge free of charge Protected period Yield payment until maturity: 09.25,2012, 09.25, 2013, 09.25,2014, September 01, 2011 September 25, % / 3% / on execution Money-market period September 26, 2015 free of charge free of charge K&H fix plusz energia (former K&H tőkevédett nyersanyag) HU Period starting date Period closing date Purchase commission / due date Redemption commission / due date Money-market period September 15, 2012 November 04, 2012 free of charge free of charge Protected period November 05, 2012 November 13, % / 3% / on execution Money-market period November 14, 2015 free of charge free of charge K&H növekedés plusz HU Period starting date Closing distribution day Purchase commission / due date Redemption commission / due date Money-market period April 18, 2015 May 26, 2015 free of charge free of charge Orders of derived open-ended funds can be given only in the branch office, but there is no advance payment. In case of K&H Pension pre-savings account the sale and repurchase are free of charge. In the Money-market period: In case of money-market period funds purchase order can be given for amount, redemption for pieces/units. In case of purchase the mandatory financial coverage equals with the amount of the order. The first validity day of the order shall be the date when the order is executed; executions and settlements are continuously done during the distributional hours. The execution of the order is counted with the net asset value of the unit pertaining to the first validity day of the order. The derived open-end funds denominating HUF can switched K&H tőkevédett forint pénzpiaci fund free of charge, the derived open-end funds denominating EUR can switched K&H tőkevédett 11oll pénzpiaci fund also free of charge and the derived openend funds denominating USD can switched K&H tőkevédett 11ollar pénzpiaci fund also free of charge. In the Protected period : Both the purchase and the redemption order must be given for a specific number of investment fund units. The sale commission is calculated based on the purchase price of the investment coupons, the repurchase commission is calculated based on the redemption price of the investment coupons. 11/40

12 Financial coverage to be provided when buying units: (net asset value for one unit x number of items x purchase commission) x 1.2 The amount of financial coverage shall be determined based on the last known net asset value per investment unit before the first day of the validity of the order. In the protected period, as a rule orders shall be settled twice a month: on the 16 th of each month; if that is not a trading day, then on the preceding trading day; on the last trading day of each month. In case any of the above mentioned settlement day is happen to be bank-holiday in Belgium, the settlement day is going to be the first day of which precedes the day defined by the rule mentioned above and is banking day both in Belgium and Hungary. In the Protected period orders shall be settled on the net asset value per unit of the execution day; execution is performed on the 5 th trading day after settlement day. On the last settlement day of the Protected period the execution and the settlement day is the same. Purchase orders shall be executed up to the maximum issued amount (the closing amount of investment units sold by closing day of the Money-market period ); any allocation shall be performed in the order of execution. Partial execution is possible in case of allocation. Mature/ merged funds K&H fix plusz 11. HU The Func merged into the K&H likviditási elszámoló fund in July 22, K&H fix plusz 12. HU The Fund merged into the K&H likviditási elszámoló fund in September 30, K&H fix plusz 13. HU The Fund merged into the K&H likviditási elszámoló fund in December 30, K&H fix plusz 18. HU The maturity date of investment fund was June 01, K&H prémium BRIC 95 HU The maturity date of investment fund was February 15, K&H euro fix plusz 1. HU The maturity date of investment fund was May 31, K&H fix plusz 17. HU The Fund merged into the K&H likviditási elszámoló fund in September 30, K&H fix plusz 19. HU The Fund merged into the K&H likviditási elszámoló fund in December 30, K&H tőkevédett nyersanyag 3. (former K&H fix plusz bankszektor) HU The Fund merged into the K&H likviditási elszámoló fund in July 22, K&H prémium nagy esélyesek HU The maturity date of investment fund was August 16, K&H fix plusz 21. HU The Fund merged into the K&H likviditási elszámoló fund in October 29, K&H fix plusz öko HU The Fund merged into the K&H likviditási elszámoló fund in September 30, K&H plusz élelmiszer (former K&H fix plusz öko 2.) HU The Fund merged into the K&H likviditási elszámoló fund in October 29, K&H plusz ázsia (former K&H fix plusz ázsia) HU The maturity date of investment fund was December 13, K&H plusz mezőgazdasági (former K&H fix plusz élelmiszer) HU The Fund merged into the K&H likviditási elszámoló fund in January 21, K&H fix plusz élelmiszer 2. HU The Fund merged into the K&H plusz mezőgazdasági fund in May 30,2011. K&H fix plusz öko 3. HU The Fund merged into the K&H háromszor fizető emlékező 2. fund in July 28, K&H előlegfizető HU The maturity date of investment fund was December 13, K&H háromszor fizető euró HU The Fund merged into the K&H háromszor fizető euro 2 fund in August 09, K&H plusz 2. HU The Fund merged into the K&H likviditási elszámoló fund in April 22, K&H háromszor fizető 5. HU The Fund merged into the K&H likviditási elszámoló fund in May 28, K&H prémium plusz HU The Fund merged into the K&H likviditási elszámoló fund in July 22, K&H háromszor fizető 7. HU The Fund merged into the K&H likviditási elszámoló fund in September 30, K&H háromszor fizető 8. HU The Fund merged into the K&H likviditási elszámoló fund in October 29, K&H háromszor fizető 9. HU The Fund merged into the K&H likviditási elszámoló fund in January 21, K&H prémium hozamváltó HU The Fund merged into the K&H likviditási elszámoló fund in January 21, K&H háromszor fizető 11. HU The Fund merged into the K&H likviditási elszámoló fund in January 21, K&H plusz 3. (former K&H hozamfa 4.) HU The Fund merged into the K&H likviditási elszámoló fund in April 02, /40

13 K&H háromszor fizető 10. HU The Fund merged into the K&H likviditási elszámoló fund in April 02, K&H hozamváltó 2 HU (former K&H szakaszos hozamú 4) The maturity date of investment fund was April 04, K&H hozamváltó 3 HU The Fund merged into the K&H likviditási elszámoló fund in May 09, K&H euró fix plusz 2 HU The maturity date of investment fund was June 30, K&H fix plusz 14. HU The Fund merged into the K&H likviditási elszámoló fund in July 10, K&H szakaszos hozamú 5. HU The Fund merged into the K&H likviditási elszámoló fund in July 10, K&H fix plusz Rajna HU The Fund merged into the K&H likviditási elszámoló fund in August 22, (volt K&H hozamfa 5) K&H fix plusz 20. HU The Fund merged into the K&H likviditási elszámoló fund in August 22, K&H fix plusz 15. HU The Fund merged into the K&H likviditási elszámoló fund in August 22, K&H hozamváltó 4. HU The Fund merged into the K&H likviditási elszámoló fund in August 22, K&H euró fix plusz 3. HU The maturity date of investment fund was September 19, K&H forintsáv tőkevédett HU The Fund merged into the K&H likviditási elszámoló fund in October 16, K&H növekedés plusz 2 HU The Fund merged into the K&H likviditási elszámoló fund in December 30, K&H olimpia plusz HU The Fund merged into the K&H likviditási elszámoló fund in December 30, K&H háromszor fizető 12 HU The Fund merged into the K&H likviditási elszámoló fund in January 28, K&H háromszor fizető emlékező HU The Fund merged into the K&H likviditási elszámoló fund in January 28, K&H plusz nyersanyagdevizák HU The Fund merged into the K&H likviditási elszámoló fund in January 28, K&H háromszor fizető emlékező 4. HU The Fund merged into the K&H likviditási elszámoló fund in January 28, K&H háromszor fizető emlékező 2. (volt K&H fix plusz futball) HU The Fund merged into the K&H likviditási elszámoló fund in March 11, K&H dollár fix plusz 3. HU The maturity date of investment fund was February 20, K&H euro fix plusz 6. HU The maturity date of investment fund was March 20, Purchase and redemption commissions for K&H likviditási elszámoló fund Purchase commission / due date Redemption commission / due date K&H likviditási elszámoló (volt K&H háromszor fizető 4) 1% / free of charge HU In case of purchas the order can be given for amount, in case of repurchase for pieces/units. The sale commission is calculated based on the purchase price of the investment coupons, the repurchase commission is calculated based on the redemption price of the investment coupons. In case of purchase the mandatory financial coverage equals with the amount of the order. The first validity day of the order shall be the date when the order is executed; executions and settlements are continuously done during the distributional hours. The execution of the order is counted with the net asset value of the unit pertaining to the first validity day of the order. K&H likviditási elszámoló fund can switched all of funds of section free of charge. Orders of derived open-ended funds can be given only in the branch office, but there is no advance payment. In case of K&H Pension pre-savings account the sale and repurchase are free of charge K&H closed-end investment funds characteristics 13/40

14 K&H closed-end funds HUF-denominated funds Launch date Maturity date Tenor (months) Start of payment K&H tőkét részben előre fizető HU Capital payment until maturity: Yield payment until maturity: , , K&H háromszor fizető emlékező 5. HU Yield payment until maturity: , , February 27,2012 February 19, March 01,2016 April 10,2012 October 22, November 03, K&H szakaszos hozamú 6. HU June 04,2012 June 26, July 07,2015 K&H tőkét részben előre fizető 2. HU Capital payment until maturity: Yield payment until maturity: , , K&H tőkét részben előre fizető 3. HU Capital payment until maturity: Yield payment until maturity: , , K&H nemesfém plusz 2. HU K&H tőkét négy részletben fizető HU Capital repayment and yield payment until maturity: 10.29,2013., 10.29,2014., 10.29,2015. K&H plusz német-svájci HU K& H háromszor fizető 13. HU Yield payment until maturity: 12.17,2013., K&H tőkét négy részletben előre fizető 2. HU Capital repayment and yield payment until maturity: , , K&H háromszor fizető 14. HU Yield payment until maturity: 03.25,2014,03.25, K&H negatív is pozitív HU K&H fix plusz világcégek HU July 30,2012 July29, August 09,2016 September 17,2012 September 23, October 04,2016 October 08,2012 April 17, April 28,2015 November 05, 2012 October 28, November 08, 2016 December 10,2012 June 19, June 30, 2015 December 17, 2012 June 17, June 28, 2016 February 11, 2013 February 17, February 28, 2017 March 25, 2013 September 23, October 04, 2016 May 13, May 13, May 24, May 13, March 18, March 29, /40

15 K&H kettős kosár HU June 10, 2013 June 17, June 28, 2016 K&H többször termő HU Yield payment until maturity: July 08, 2013 January 20, January 31, K&H plusz technológia HU July 29, 2013 July 15, July 26, 2016 K&H fix plusz világcégek 2. HU September 10, June 16, June 27, K&H gyógyszeripari HU October 08, December 11, December 22, 2015 K&H többször termő 2. HU Yield payment until maturity: October 15, April 21, May 03, K&H hozamlépcső HU October 22, September 15, September 26, K&H fix plusz világcégek 3. HU November 26, 2013 August 18, August 29, 2017 K&H tőkevédett innovatív Amerika HU December 10, 2013 December 16, December 28, 2016 K&H versenyképes Európa HU December 23, 2013 December 11, December 22, 2015 K&H többször termő 3. HU Yield payment until maturity: January 13, 2014 July 21, August 01, K&H világcégek tőkevédett HU February 18, 2014 November 17, November 28, 2017 K&H versenyképes Európa 2 HU March 04, 2014 September 16, September 27, 2016 K&H tőkét részben előre fizető 4 HU Capital repayment and yield March 25, 2014 November 24, December 05, 2017 payment until maturity: K&H kettős kosár 2 tőkevédett HU April 08, 2014 October 13, October 25, 2017 K&H innovatív Amerika HU May 09, 2014 May 12, May 23, 2017 K&H hozamlépcső 2 HU June 11, 2014 June 29, July 10, 2018 K&H többször termő 4 HU Yield payment until maturity: June 25, 2014 November 24, December 05, K&H fellendülő Európa tőkevédett HU July 22, 2014 December 09, December 20, 2016 K&H aktív pihenés tőkevédett HU July 22, 2014 July 21, August 01, 2017 K&H kettős kosár 3 HU September 03, 2014 September 14, September 25, 2018 K&H többször termő 5 HU Yield payment until maturity: September 16, 2014 March 23, April 03, K&H autóipari tőkevédett HU October 21, 2014 November 15, November 26, 2019 K&H Amerika-Európa HU October 30, 2014 July 13, July 24, 2018 K&H mozdulj! tőkevédett HU December 09, 2014 July 12, July 23, /40

16 K&H Temze tőkevédett HU January 20, 2015 November 15, November 26, 2019 K&H Temze HU January 20, 2015 July 13, July 24, 2018 K&H világcégek tőkevédett 2 HU March 04, 2015 September 13, September 24, 2019 K&H Amerika-Európa 2 HU March 04, 2015 November 16, November 27, 2018 K&H erős Amerika HU April 15, 2015 November 16, November 27, 2018 K&H változó Ázsia HU April 15, 2015 January 17, January 28, 2020 *The fund is transformed into an open-end fund for an indefinite period at the time of its expiration. FX-denominated funds Launch date Maturity date Tenor (months) Start of payment K&H négyszer fizető euró 2. HU Yield payment until maturity: , , K&H euró plusz 2. HU January 16,2012 January 22, February 02,2016 June 03, 2013 June 16, June 27, 2017 Before maturity capital protected, closed-end funds may be traded only at the stock exchange. Funds denominated in EUR are settled in EUR, funds denominated other foreign currency are settled in HUF. In respect of the Funds listed in the tables of this chapter, the actual partner is K&H Alapkezelő Zrt (K&H Investment Fund Management Pld). 1.3 Other fees Definition Amount Due Opening securities and securities custody accounts - K&H Pension pre-savings account opening - Minimum amount of the opening HUF Long-term investment accounts opening - Minimum amount of the opening HUF or its equivalent in foreign currency Maintenance of securities and securities custody accounts (funds managed by K&H Investment Fund Management Pld. and investment coupons of KBC Bonds) HUF at the last weekend of each quarter / at account termination 16/40

17 Maintenance of securities and securities custody accounts in case of other securities (per par value of average stock) 1,4 under 500 million HUF values above 500 million HUF values 0,025%, min. 500 HUF, max HUF 0,025% at the last weekend of the each quater / at account termination K&H Pension pre-savings account handling (per par value of average stock) 1 Maintenance of Long-term investment account Effective as to December 31, ,2 funds managed by K&H Investment Fund Management Pld. and in case of other securities (per par value) 0,025% min. 500 HUF at the last weekend of the each quater / at account termination - Maintenance of Long-term investment account, Maintenance of Long-term investment account, Maintenance of Long-term investment account, Maintenance of Long-term investment account Maintenance of Long-term investment account 1, 4 funds managed by K&H Investment Fund Management Pld. In case of other securities (per par value) under 500 million HUF values above 500 million HUF values Termination of account - in less than 12 months since the opening of the account The physical collection of securities (as a % of par value) 798 HUF 0,025%, min. 500 HUF, max HUF 0,025 % HUF at the last weekend of each quarter / at account termination at account termination Intra-bank securities transfer between clients accounts Inter-bank securities transfer (except government securities) HUF / securities movement Inter-bank government securities transfer 800 HUF / securities movement Securities transfer from K&H Pension pre-savings account 17/40

18 Incoming securities transfer under 100 million HUF of nominal value above 100 million HUF of nominal value Opening securities custody sub-accounts at KELER Rt. (at the specific request of the client, per securities) Blocking / Unblocking Own-account trading of Government securities and corporate bonds selling / buying 3 Cash inpayment fee private individual customers (all type of currency) corporate clients HUF corporate clients EUR, USD HUF Cash withdrawal fee (all type of account) 0,1 % HUF 0,11%, min. 200 HUF 0,5% private individual customers corporate clients 0,86% Ft min. 864 Ft 0,89% min. 535 HUF EUR Cash withdrawal fee private individual customers corporate clients 0,86% + 2,2 EUR min. 3 EUR 1,3% USD Cash withdrawal fee private individual customers corporate clients 0,86% + 2,9 USD min. 3,8 USD 1,3% Fee for printing one-off account statements 100 HUF Derivative transactions EMIR reporting (Corp and SME clients) 0 HUF E-trader LOMS (order) modul access fee end of the month 0 HUF In respect to minimum/maximum fees and fixed fees, each commenced year, quarter or month counts as a full year, quarter or month. No payment may be made to a client account tied to a securities account using coins or soiled, damaged, incomplete or no longer valid banknotes. Client account earns no interest. 1 The account keeping fee of the blocked securities will be debited on the account from which the securities was blocked. The minimum purchase limit in case of foreign currency denominated government securities and corporate bonds is EUR / USD / GBP / CHF in nominal value. The minimum purchase limit in case of HUF denominated FHB mortgages is HUF in nominal value. 2 This account can be opened from January 05, The minimum purchase limit in case of HUF denomated government securities is HUF (in nominal value), but there is no selling limit. (The directions of the transactions are from client point of view.) 4 Average volume of securities denominated in foreign currency is calculated to HUF based on the last known HNB base rate on the fee charging date. 18/40

19 Unidentifiable incoming security transfers are returned by the Bank to the bank of the sender after 15 days of their receipt (if it falls on a weekend, then the next working day). Incoming securities transfer for which the related fee is not paid within 15 calendar day - from its arrival date - will be returned by the Bank to the sender bank. To transfer securities to the Bank, the 0303/ KELER code of K&H Bank and the exact data of the beneficiary must be given, in lack of which the Bank returns the transfer order to the forwarding party Fees of transfers Definition Commission Due Intrabank transfer in HUF - Private individual customers in the branch 0,78% HUF max HUF via Call center 0,43% HUF max HUF via e-bank 0,42% min. 112 HUF max HUF Intrabank transfer in HUF - Corporate clients in the branch 0,38% min. 540 HUF via e-bank 0,34% min. 300 HUF Interbank transfer in HUF - Private individual customers campaign: 0,34% min. 290 HUF till withdrawal in the branch 0,74% HUF max HUF via Call center 0,68% HUF max HUF via e-bank 0,57% min, 95 HUF max HUF Interbank transfer in HUF - Corporate clients in the branch 0,41% min 577 HUF via e-bank 0,39% min. 347 HUF campaign: 0,39% min. 327 HUF till withdrawal Intrabank transfer in EUR - Private individual customers in the branch 0,36 % min. 4,1 EUR max. 101,7 EUR via Call center 0,21% min. 3,15 EUR max. 101,7 EUR via e-bank 0,21% min. 2,14 EUR max. 101,7 EUR Intrabank transfer in EUR - Corporate clients in the branch via e-bank 0,35% min. 19 EUR campaign: 0,35% min. 17 EUR till withdrawal 0,32% min. 15 EUR campaign: 0,32% min. 13 EUR till withdrawal Intrabank transfer in USD - Private individual customers in the branch 0,36% min. 5,5 USD max. 150 USD 19/40

20 via Call center 0,21% min. 4,2 USD max. 150 USD via e-bank 0,21% min. 2,8 USD max. 150 USD Intrabank transfer in USD - Corporate clients in the branch 0,35% min. 25 USD campaign: 0,35% min. 23 USD till withdrawal via e-bank 0,32% min. 21 USD campaign: 0,32% min. 18 USD till withdrawal Intrabank transfer to own account (Private individual customers and Corporate clients) via every channel Receipt of transfer to client account - - From the client account transfers in foreign currencies can be executed and received only intrabank, in the currency of the account. HUF transfer can be executed only inland. Private individual customers can execute their transfers in the branches, via e-bank and via Call center. Corporate clients can execute their transfers in the branches and via e-bank. The transfer orders can not be submitted to the bank through using boxes placed for orders in the branches. For HUF transfer order submission PFNY11 preprinted form, for foreign currency transfer orders the regular preprinted form of the bank shell be used. Commissions charged for transfers refer to both the spot date transfers and the value date ones. Value date transfers can be given for maximum 90 business days in the branches in advance. Transfers are executed only on condition that the amount and the fee of transfer placed in the transfer order are available on the client account. Lacking that, the Bank will not execute the transfer order. From July 1, 2012 HUF transfer orders launched from client accounts will be carried out in two ways: HUF transfers submitted via e-bank or Telecenter are carried out in multiple intraday settlement paper based transfers are carried out in the overnight settlement process Bank will ensure that transfers carried out via GIRO Multiple Intraday Settlement Process will reach the Payments Service Provider of the Beneficiary Client within 4 hours of receiving the order Order fees Definition Amount Due Stock exchange order fee on BÉT and BÉTA markets (as a % of market value)*** in the branch and via Call center 1,0 %, min HUF via e-bank 0,5% min HUF Settled in EUR stock exchange order fee (as a % of market value) in the branch and via Call center 1,0% min. 12 EUR via e-bank 0,5% min. 4 EUR Stock exchange order fee on K&H Pension pre-savings account (as a % of market value)l in the branch and via Call center After payment, no purchase fee charged on the amount paid, in other cases 1,0 %, minimum HUF via e-bank Cancellation/modification of stock exchange order fee* - via every channel in case of buying / on execution in case of selling in case of buying / on execution in case of selling in case of buying / on execution in case of selling in case of buying / on execution in case of selling in case of buying / on execution in case of selling - 20/40

Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF AUGUST 31, 2015

Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF AUGUST 31, 2015 Announcement on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF AUGUST 31, 2015 K&H CallCenter: 06 1 335-33-55 06 20 335-33-55 06 30 335-33-55

More information

Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MARCH 09, 2015

Announcement. on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MARCH 09, 2015 Announcement on Investment services and Securities dealing of PRIVATE INDIVIDUAL CUSTOMERS and corporate clients EFFECTIVE AS OF MARCH 09, 2015 K&H CallCenter: 06 1 335-33-55 06 20 335-33-55 06 30 335-33-55

More information

Valid: from 1st July 2015 (1505) Date of publication: 30th June 2015

Valid: from 1st July 2015 (1505) Date of publication: 30th June 2015 Valid: from 1st July 2015 (1505) Date of publication: 30th June 2015 The changes in the document are marked in the following way: new parts and modifications made by the last modification are written with

More information

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees Account maintenance, safes, certification and enquiries ANNUAL ACCOUNT MAINTENANCE FEE 1 SAFE DEPOSIT BOXES Including secure e-banking access² 25 EUR Volume (dm 3 ) annual rental fee before tax + 17% VAT

More information

Premium Banking Terms and Conditions

Premium Banking Terms and Conditions Premium Banking Terms and Conditions Effective from 1 st August 2016 until withdrawal 1. GENERAL TERMS AND CONDITIONS 2 2. AVAILABLE BANK ACCOUNT FACILITIES AND BANK CARDS 7 3. INTEREST ON THE RAIFFEISEN

More information

ANNOUNCEMENT on Current Accounts and Connected Services

ANNOUNCEMENT on Current Accounts and Connected Services ANNOUNCEMENT on Current Accounts and Connected Services Table of contents: 1. ANNOUNCEMENT on Private HUF Accounts, Connected Debit Cards 2. ANNOUNCEMENT on Private Foreign Currency II. Accounts 3. ANNOUNCEMENT

More information

Fees and charges. Account maintenance, safes, certification and enquiries

Fees and charges. Account maintenance, safes, certification and enquiries Account maintenance, safes, certification and enquiries ANNUAL ACCOUNT MAINTENANCE FEE 1 CERTIFICATION AND ENQUIRIES Including secure e-banking access² 25 EUR Payment enquiries Correspondence sent by post

More information

Investment Services... 1. 1. Management of securities accounts... 2. 2. Investment notes of Raiffeisen Investment Fund... 3

Investment Services... 1. 1. Management of securities accounts... 2. 2. Investment notes of Raiffeisen Investment Fund... 3 Investment Services Effective as from September 1st 2016 until withdrawal *Indexation: Calculation of the fees marked with asterisk (*) in this List of Terms & Conditions is tied to the average consumer

More information

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

List of Interest Rates and Charges I. General Fee terms for CitiBlue customers List of Interest Rates and Charges I. General Fee terms for CitiBlue customers Effective: 29 th of January, 2016 1 General Conditions a) The conditions stipulated in this List of Consumer Interest Rates

More information

XC/2 - LIST OF CONDITIONS

XC/2 - LIST OF CONDITIONS XC/2 - LIST OF CONDITIONS Conditions of MKB Praktika FIX Service Package In effect: from 26 January 2016 Change: Modification of the conditions of using the service package 1. The MKB Praktika FIX Service

More information

XC - LIST OF CONDITIONS Conditions of MKB Praktika Service Package. In effect: from 01 May 2016

XC - LIST OF CONDITIONS Conditions of MKB Praktika Service Package. In effect: from 01 May 2016 XC LIST OF CONDITIONS Conditions of MKB Praktika Service Package In effect: from 01 May 2016 Change: As of 1 January 2016, MKB Bank Zrt. discontinued the sale of MasterCard Unembossed HUF based, MasterCard

More information

LIST OF TERMS AND CONDITIONS

LIST OF TERMS AND CONDITIONS KEY OFFERS MEDICIB Health Line Medical Call Centre and Second Medical Opinion service is available free of charge Free Visa Classic primary debit card. The closing fee for MasterCard Gold credit and for

More information

UniCredit Business Gold Credit Card. Card Issuer fee 10 800 Ft HK1 15 800 Ft HK1 Due upon the first activation of the card

UniCredit Business Gold Credit Card. Card Issuer fee 10 800 Ft HK1 15 800 Ft HK1 Due upon the first activation of the card The present List of Conditions enters into force on 5 ht April 2016 and is valid until the disclosure of the next List of Conditions on s. 1. Present List of Conditions is an inseparable part of the General

More information

Standard pricing for current accounts Valid from 19 th of February 2015

Standard pricing for current accounts Valid from 19 th of February 2015 Standard pricing for current accounts Valid from 19 th of February 2015 CURRENT ACCOUNT OPENING Opening of current accounts UAH UAH 100 EUR UAH 100 USD UAH 100 RUB and other UAH 100 with the opening of

More information

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

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

More information

Schroder International Selection Fund Emerging Markets Debt Absolute Return (the Fund )

Schroder International Selection Fund Emerging Markets Debt Absolute Return (the Fund ) Prepared on: 9 October 2015 This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Singapore Prospectus (the Prospectus

More information

WEBKINCSTAR ONLINE SECURITIES TRADING - TERMS AND CONDITIONS OF USE

WEBKINCSTAR ONLINE SECURITIES TRADING - TERMS AND CONDITIONS OF USE WEBKINCSTAR ONLINE SECURITIES TRADING - TERMS AND CONDITIONS OF USE The Hungarian State Treasury (hereinafter: Distributor) provides general information (on its website) and executes securities trading

More information

MOBILKINCSTAR ONLINE SECURITIES TRADING TERMS AND CONDITIONS OF USE

MOBILKINCSTAR ONLINE SECURITIES TRADING TERMS AND CONDITIONS OF USE MOBILKINCSTAR ONLINE SECURITIES TRADING TERMS AND CONDITIONS OF USE The Hungarian State Treasury (hereinafter: Distributor) provides general information, executes securities trading and investment transactions

More information

BANK ACCOUNT SERVICE TARIFFS. 1.1 These Tariffs and General Terms together are considered as a unified information bulletin of INECOBANK CJCS.

BANK ACCOUNT SERVICE TARIFFS. 1.1 These Tariffs and General Terms together are considered as a unified information bulletin of INECOBANK CJCS. 1. General provisions for all types of bank accounts BANK ACCOUNT SERVICE TARIFFS 1.1 These Tariffs and General Terms together are considered as a unified information bulletin of INECOBANK CJCS. 1.2 These

More information

Intra-day payment Frequently asked questions

Intra-day payment Frequently asked questions Intra-day payment Frequently asked questions Contents 1. THE MEANING, advantages and scope of intra-day payment... 3 1.1. What does the launch of intra-day payment mean?... 3 1.2. What advantages does

More information

CORPORATE BUSINESS CONDITIONS

CORPORATE BUSINESS CONDITIONS Raiffeisen Bank Zrt. Number of operating license: 22/1992 Date of operating license: 3 April 1992 Company registration number: 01-10-041042 Registered office: 1054 Budapest, Akadémia u. 6. Contact address:

More information

www.ca-suisse.com Fees and Charges Valid from 1 January 2014 Crédit Agricole (Suisse) SA - Head office and swiss branches

www.ca-suisse.com Fees and Charges Valid from 1 January 2014 Crédit Agricole (Suisse) SA - Head office and swiss branches www.ca-suisse.com Fees and Charges Valid from 1 January 2014 Crédit Agricole (Suisse) SA - Head office and swiss branches Contents Account and deposit management - 2 Fiduciary deposits - 3 Transfers and

More information

CGWM Bond Fund. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014. Investment Objective. Investment Policy.

CGWM Bond Fund. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014. Investment Objective. Investment Policy. CGWM Bond Fund To us there are no foreign markets. TM Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014 This Supplement contains specific information in relation to the CGWM Bond

More information

ONXEO NOTICE OF MEETING. Extraordinary and Ordinary General Meeting of Shareholders. of Wednesday, April 6, 2016

ONXEO NOTICE OF MEETING. Extraordinary and Ordinary General Meeting of Shareholders. of Wednesday, April 6, 2016 ONXEO Public Limited Liability Company with a Board of Directors with share capital of 10,138,020.75 Company headquarters: 49 Boulevard du Général Martial Valin - 75015 Paris, France Paris Trade and Companies

More information

Unofficial English translation

Unofficial English translation Annex 3.0. GENERAL DESCRIPTION OF THE TAX ASPECTS OF THE X/N SETTLEMENT SYSTEM Taxation rules for the operation of the settlement system mentioned in Article 1 (1) of the Law of 6 August 1993 on transactions

More information

VI./A Unsecured Loans List of conditions Effective: As from 2 nd May 2011 until withdrawal

VI./A Unsecured Loans List of conditions Effective: As from 2 nd May 2011 until withdrawal VI./A Unsecured Loans List of conditions Effective: As from 2 nd May 2011 until withdrawal 1.RAIFFEISEN PERSONAL LOAN (WITHOUT COLLATERAL) 2 1.1 TENORS OF RAIFFEISEN UNSECURED PERSONAL LOAN 2 1.2 TERMS

More information

CIB BANK LTD S SPECIFIC BUSINESS REGULATIONS PERTAINING TO CREDIT AND LOAN AGREEMENTS FOR SOLE TRADERS

CIB BANK LTD S SPECIFIC BUSINESS REGULATIONS PERTAINING TO CREDIT AND LOAN AGREEMENTS FOR SOLE TRADERS 1 CIB BANK LTD S SPECIFIC BUSINESS REGULATIONS PERTAINING TO CREDIT AND LOAN AGREEMENTS FOR SOLE TRADERS Effective from: 15 March 2014 2 TABLE OF CONTENTS 1. Interpretive provisions...3 2. Content of the

More information

In the case of CIRS transactions, the MNB does not apply any FX-rate reset. Detailed terms and conditions

In the case of CIRS transactions, the MNB does not apply any FX-rate reset. Detailed terms and conditions NOTICE ON THE TERMS AND CONDITIONS OF CROSS-CURRENCY INTEREST RATE SWAP TENDERS COMBINED WITH SPOT TRANSACTIONS RELATED TO THE MEASURES NECESSARY IN ORDER TO TERMINATE THE SHIFTING OF RISKS ARISING FROM

More information

INTEREST RATES BULLETIN FOR RETAIL CLIENTS Valid as of 01.10.2015

INTEREST RATES BULLETIN FOR RETAIL CLIENTS Valid as of 01.10.2015 General conditions: 1. The Bank calculates interest on the amounts in accounts and deposits applying the interest rates specified in this Interest Rates Bulletin. All interest rates in this bulletin are

More information

LIST OF CONDITIONS CIBEZZ Account Package for private individuals

LIST OF CONDITIONS CIBEZZ Account Package for private individuals Overdrafts: LIST OF CONDITIONS SUPPLEMENTARY SERVICE CIBEZZ Overdraft is the perfect choice, if you need credit for unexpected cases. You can find more information about prices and conditions in the List

More information

Hewitt Financial Services Self-Directed Brokerage Account (SDBA)

Hewitt Financial Services Self-Directed Brokerage Account (SDBA) invest in you Enrollment Guide Brokerage Account (SDBA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other

More information

Dear Clients, List of Conditions Name of service Modification

Dear Clients, List of Conditions Name of service Modification Dear Clients, I. Please be informed that UniCredit Bank Hungary Zrt. (1054 Budapest, Szabadság tér 5-6., hereinafter: the Bank) discloses the following changes with effective date 2 nd of June 2015 in

More information

Agreement for Trading on itrend

Agreement for Trading on itrend Agreement for Trading on itrend This agreement constitutes a contract between: 1. AVUS CAPITAL Ltd., a licensed investment intermediary having its registered office at Litex Tower, fl. 10, 3 Lachezar Stanchev

More information

Schedule of rates and charges for securities transactions

Schedule of rates and charges for securities transactions Schedule of rates and charges for securities transactions January 01, 2015 Orders Euronext... 2 Foreign stock exchanges... 3 Eurobonds... 4 KBC Investment Funds... 4 KBC Investment Products issued by KBC

More information

TAXATION OF FINANCIAL INSTRUMENTS

TAXATION OF FINANCIAL INSTRUMENTS 2 Ing. Katarína Vavrová Faculty of Business Management University of Economics in Bratislava Investment in securities is influenced not only by the relation between the intrinsic value and market price

More information

STATUTORY BOARD SB-FRS 32 FINANCIAL REPORTING STANDARD. Financial Instruments: Presentation Illustrative Examples

STATUTORY BOARD SB-FRS 32 FINANCIAL REPORTING STANDARD. Financial Instruments: Presentation Illustrative Examples STATUTORY BOARD SB-FRS 32 FINANCIAL REPORTING STANDARD Financial Instruments: Presentation Illustrative Examples CONTENTS Paragraphs ACCOUNTING FOR CONTRACTS ON EQUITY INSTRUMENTS OF AN ENTITY Example

More information

STATUTORY BOARD FINANCIAL REPORTING STANDARD SB-FRS 32. Financial Instruments: Presentation Illustrative Examples

STATUTORY BOARD FINANCIAL REPORTING STANDARD SB-FRS 32. Financial Instruments: Presentation Illustrative Examples STATUTORY BOARD FINANCIAL REPORTING STANDARD SB-FRS 32 Financial Instruments: Presentation Illustrative Examples CONTENTS Paragraphs ACCOUNTING FOR CONTRACTS ON EQUITY INSTRUMENTS OF AN ENTITY Example

More information

List of bonds issued by Raiffeisen Bank Zrt. Effective as from 21st June 2016.

List of bonds issued by Raiffeisen Bank Zrt. Effective as from 21st June 2016. s d by Raiffeisen Bank Zrt. List of bonds d by Raiffeisen Bank Zrt. Effective as from 21st June 2016. 1. Overview Programmes of Raiffeisen Bank Zrt.... 2 1.1. List of Programmes... 2 1.2. Type of bonds

More information

International Brokerage. Topics Introduction Important Information Key Terminologies Account Opening System Specifications Disclosures

International Brokerage. Topics Introduction Important Information Key Terminologies Account Opening System Specifications Disclosures International Brokerage Topics Introduction Important Information Key Terminologies Account Opening System Specifications Disclosures Introduction Securities Brokerage at Citibank N.A., UAE Branch is a

More information

Member s Profile. KELER Ltd. (hereinafter referred to as: KELER) Total Shareholders Equity: USD 121 million

Member s Profile. KELER Ltd. (hereinafter referred to as: KELER) Total Shareholders Equity: USD 121 million Member s Profile Organization Name: KELER Ltd. (hereinafter referred to as: KELER) Country/ Region: Hungary Name of CEO: György Dudás Capital (US$): Total Shareholders Equity: USD 121 million Share capital:

More information

Industrial and Commercial Bank of China Limited Dealing frequency: Daily on each business day *

Industrial and Commercial Bank of China Limited Dealing frequency: Daily on each business day * APRIL 2016 This statement provides you with key information about Income Partners RMB Bond Fund (the Sub-Fund ). This statement is a part of the offering document and must be read in conjunction with the

More information

0,5% (the bank - issuer of the card has the right to charge additional commission) 2 CASH DEPOSIT FEE 2.1

0,5% (the bank - issuer of the card has the right to charge additional commission) 2 CASH DEPOSIT FEE 2.1 GENERAL TERMS AND CONDITIONS of "DEMIR KYRGYZ INTERNATIONAL BANK" CJSC, applicable to INDIVIDUALS, valid in all Bank's units starting from 4 /04 /204 Service name Commissions / conditions A DEMAND DEPOSIT

More information

Before placing an order...

Before placing an order... 123456789 Before placing an order... What points should I bear in mind? Check that the entity you have signed an agreement with for the routing of orders is authorised to provide investment services in

More information

IV. Raiffeisen CLEVERcard, Bank-, and Credit Card List of Conditions

IV. Raiffeisen CLEVERcard, Bank-, and Credit Card List of Conditions IV. Raiffeisen CLEVERcard, Bank-, and Credit Card List of Conditions Effective as of 15 th July 2015, until withdrawal Announced on 15 th May 2015 Modified on 27 th May 2015 and on 24 th June 2015 and

More information

Investment instruments: strengths and weaknesses. Speaking your language Everywhere.

Investment instruments: strengths and weaknesses. Speaking your language Everywhere. Investment instruments: strengths and weaknesses Speaking your language Everywhere. Contents Introduction: Building up an investment portfolio.................... 4 I Deposits and short-term instruments...7

More information

City National Rochdale High Yield Bond Fund a series of City National Rochdale Funds

City National Rochdale High Yield Bond Fund a series of City National Rochdale Funds City National Rochdale High Yield Bond Fund a series of City National Rochdale Funds SUMMARY PROSPECTUS DATED JANUARY 31, 2015, AS SUPPLEMENTED MAY 1, 2015 Class: Institutional Class Servicing Class Class

More information

User's manual for OTPdirekt Internet Banking. v.1.0

User's manual for OTPdirekt Internet Banking. v.1.0 User's manual for OTPdirekt Internet Banking v.1.0 1 Contents General... 4 Log in... 4 Logging out... 4 Home page... 5 Accounts... 5 Accounts - Overview of movements... 6 Accounts - OTPdirekt transactions...

More information

a) Forint sight account interest 0% p.a. 0% p.a. a) Foreign currency sight interest for all currencies 0% p.a. 0% p.a.

a) Forint sight account interest 0% p.a. 0% p.a. a) Foreign currency sight interest for all currencies 0% p.a. 0% p.a. Corporate Payment Account List of Conditions Part I. Effective from 15th of April 2014 General Conditions This List of Conditions is an inseparable part of the General Business Conditions and the General

More information

EVLI SWEDEN EQUITY INDEX FUND

EVLI SWEDEN EQUITY INDEX FUND EVLI SWEDEN EQUITY INDEX FUND FUND-SPECIFIC RULES The fund rules consist of fund-specific rules and common rules based on the UCITS IV Directive. 1 The Fund The name of the mutual fund will be Sijoitusrahasto

More information

Price list for legal person (resident) Effective as of 01.12.2015

Price list for legal person (resident) Effective as of 01.12.2015 Price list for legal person (resident) Effective as of 01.12.2015 OPENING ACCOUNTS Opening a current account incl.opening a start account Current account interest 0,01%* Opening a deposit account * per

More information

PRINCIPLES FOR PRODUCING AND SUBMITTING REPORTS

PRINCIPLES FOR PRODUCING AND SUBMITTING REPORTS December 2014 PRINCIPLES FOR PRODUCING AND SUBMITTING REPORTS (1) The balance sheet and income statement are in euros, rounded up to integers. Amounts recorded in foreign currencies must be converted into

More information

Bank Gospodarstwa Krajowego (Issuer)

Bank Gospodarstwa Krajowego (Issuer) LETTER OF ISSUE No. 1/2014 of Bank Gospodarstwa Krajowego of 20 May 2014 regarding the issue of bonds of Bank Gospodarstwa Krajowego on behalf of the National Road Fund with maturity date of 25 October

More information

All times mentioned are Finnish time, and all banking days mentioned are Finnish banking days.

All times mentioned are Finnish time, and all banking days mentioned are Finnish banking days. Only the original Finnish-language rules have legal validity 1/7 SELIGSON & CO FUND MANAGEMENT COMPANY 18.11.2004 Special Fund Phalanx All times mentioned are Finnish time, and all banking days mentioned

More information

UBB INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS

UBB INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS UBB INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS i. BGN ii: EUR iii: USD iv: GBP v: CHF vi: Interest calculation basis vii: Interest accrual period 1 BGN Time deposit min.1000 Up to 50 000 Up to 100

More information

List of conditions For foreigner retail clients Regarding Overdraft Valid from 15 th July, 2013

List of conditions For foreigner retail clients Regarding Overdraft Valid from 15 th July, 2013 1. Conditions of credit line: List of conditions For foreigner retail clients Regarding Overdraft Valid from 15 th July, 2013 1. Opening current account 1 2. Regular income credit on current account at

More information

UNOFFICIAL TRANSLATION

UNOFFICIAL TRANSLATION Adopted on 22.12. 2010 THE LAW OF THE REPUBLIC OF ARMENIA ON INVESTMENT FUNDS The purpose of this Law is to protect the interests of investors and ensure that a proper collective investment scheme is developed,

More information

NATURE AND SPECIFIC RISKS OF THE MAIN FINANCIAL INSTRUMENTS

NATURE AND SPECIFIC RISKS OF THE MAIN FINANCIAL INSTRUMENTS NATURE AND SPECIFIC RISKS OF THE MAIN FINANCIAL INSTRUMENTS The present section is intended to communicate to you, in accordance with the Directive, general information on the characteristics of the main

More information

RULES OF FINANCIAL INSTRUMENT TRADING IN THE ALTERNATIVE TRADING SYSTEM. Chapter 1 General provisions

RULES OF FINANCIAL INSTRUMENT TRADING IN THE ALTERNATIVE TRADING SYSTEM. Chapter 1 General provisions Exhibit 2 to the Alternative Trading System Rules (text according to legal condition at 2 April 2012) NOTE: Only the Polish version of this document is legally binding. This translation is provided for

More information

Thank you for choosing i-account. Now you. can manage your finances and assets more. To help you make the most of i-account's

Thank you for choosing i-account. Now you. can manage your finances and assets more. To help you make the most of i-account's Thank you for choosing i-account. Now you can manage your finances and assets more effectively than ever before. To help you make the most of i-account's wide range of services, we are pleased to present

More information

Supplementary Information Document

Supplementary Information Document Schroders Supplementary Information Document April 2015 Schroders are required to provide you with important information to help you decide whether our Unit Trust / OEIC Funds are right for you. You should

More information

Investment Fees and Commissions. Fees and commissions applicable from 14 April 2010

Investment Fees and Commissions. Fees and commissions applicable from 14 April 2010 Investment Fees and Commissions Fees and commissions applicable from 14 April 2010 Investment fees and commissions When it comes to investing, ABN AMRO offers a wide range of possibilities for every type

More information

Goldman Sachs SICAV Funds. How to Invest Guide

Goldman Sachs SICAV Funds. How to Invest Guide Goldman Sachs SICAV Funds How to Invest Guide Contents Opening an Account 1 General Fund Information 1 Dealing 2 Transfers 2 Confirmations and Statements 3 Bank Details and Settlement 3 Contact 6 Opening

More information

TMLS Singapore Cash Fund (the Fund ) is an investment-linked policy sub-fund offered by Tokio Marine Life Insurance Singapore Ltd.

TMLS Singapore Cash Fund (the Fund ) is an investment-linked policy sub-fund offered by Tokio Marine Life Insurance Singapore Ltd. TMLS SINGAPORE CASH FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY) This supplement forms part of the product summary. You should read this together with the relevant Product Summary. Description of the Fund

More information

Regulations for the Novartis Direct Share Purchase Plan

Regulations for the Novartis Direct Share Purchase Plan Regulations for the Novartis Direct Share Purchase Plan Novartis International AG 4002 Basel Switzerland 11/2013, Novartis International AG 1 Regulations for the Novartis Direct Share Purchase Plan 1 What

More information

Web. Chapter FINANCIAL INSTITUTIONS AND MARKETS

Web. Chapter FINANCIAL INSTITUTIONS AND MARKETS FINANCIAL INSTITUTIONS AND MARKETS T Chapter Summary Chapter Web he Web Chapter provides an overview of the various financial institutions and markets that serve managers of firms and investors who invest

More information

EUROBOND TRANSACTIONS CONCLUDED IN APRIL AND MAY 2014: SEVENTH VOLUNTARY DEBT EXCHANGE OFFER & NEW CASH ISSUANCE AND PRIVATE PLACEMENT WITH AUDI BANK

EUROBOND TRANSACTIONS CONCLUDED IN APRIL AND MAY 2014: SEVENTH VOLUNTARY DEBT EXCHANGE OFFER & NEW CASH ISSUANCE AND PRIVATE PLACEMENT WITH AUDI BANK EUROBOND TRANSACTIONS CONCLUDED IN APRIL AND MAY 2014: SEVENTH VOLUNTARY DEBT EXCHANGE OFFER & NEW CASH ISSUANCE AND PRIVATE PLACEMENT WITH AUDI BANK A Brief Note I. SEVENTH VOLUNTARY DEBT EXCHANGE OFFER

More information

4 Further details of the responses received are presented below.

4 Further details of the responses received are presented below. REPORT ON BOND EXCHANGES AND DEBT BUY-BACKS A SURVEY OF PRACTICE BY EC DEBT MANAGERS In June 2001 a questionnaire covering the practices followed by debt managers implementing bond exchange or buy-back

More information

Product Catalogue of NLB Prishtina- Price List

Product Catalogue of NLB Prishtina- Price List TERM DEPOSIT CURRENT ACCOUNT PRIVAT INDIVIDUAL BUSINESS Account opening Account authorization 2.00 2.00 Account maintenance (Monthly) Fee for over the counter cash withdrawal (excludes account types for

More information

Key features of the Zurich International Portfolio Bond

Key features of the Zurich International Portfolio Bond Key features of the Zurich International Portfolio Bond Helping you decide This important document gives you a summary of the Zurich International Portfolio Bond. Please read this with your illustration,

More information

AIFMD means Directive 2011/61/EU of the European Parliament and of the Council of 8 June 2011 on Alternative Investment Fund Managers, as amended.

AIFMD means Directive 2011/61/EU of the European Parliament and of the Council of 8 June 2011 on Alternative Investment Fund Managers, as amended. Glossary Accounting Period means the annual accounting period for the Company ending on 31 December in each calendar year. The first annual accounting period will end on 31 December 2015. Acts means the

More information

GUIDELINES FOR IMPLEMENTING THE DECISION ON TERMS AND CONDITIONS OF PERFORMING FOREIGN PAYMENT TRANSACTIONS

GUIDELINES FOR IMPLEMENTING THE DECISION ON TERMS AND CONDITIONS OF PERFORMING FOREIGN PAYMENT TRANSACTIONS RS Official Gazette, Nos 24/2007, 31/2007, 41/2007, 3/2008, 61/2008, 120/2008, 38/2010, 92/2011, 62/2013, 51/2015 and 111/2015 Pursuant to Articles 21 and 45 of the Law on the National Bank of Serbia ("RS

More information

Loan types and business terms Business customers

Loan types and business terms Business customers Loan types and business terms Business customers Applicable as from 7. November 2015 Page 1 of 38 Welcome to Realkredit Danmark We want to provide you with all the information you need to decide on how

More information

Instructions for the quarterly reporting of AP funds, excluding the 7th AP fund.

Instructions for the quarterly reporting of AP funds, excluding the 7th AP fund. STATISTICS SWEDEN 1(10) Instructions for the quarterly reporting of AP funds, excluding the 7th AP fund. General Quarterly reports for AP funds are to be sent to Statistics Sweden (SCB) at the latest 45

More information

PAYMENT CONDITIONS. Effective as of 10.06.2014 1

PAYMENT CONDITIONS. Effective as of 10.06.2014 1 1. Definitions In addition to the terms and conditions provided in the Current Account Contract Conditions and the General Conditions of the Bank, the following definitions are used in these Payment Conditions:

More information

Operational Guidelines for Account Conversion Investors Related to the Stock-for-stock Merger of China Merchants Property Development Co., Ltd.

Operational Guidelines for Account Conversion Investors Related to the Stock-for-stock Merger of China Merchants Property Development Co., Ltd. Operational Guidelines for Account Conversion Investors Related to the Stock-for-stock Merger of China Merchants Property Development Co., Ltd. by China Merchants Shekou Industrial Zone Holdings Co., Ltd.

More information

1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates

More information

Personal Service Charges Effective date: June 30, 2015 Statement of Disclosure

Personal Service Charges Effective date: June 30, 2015 Statement of Disclosure 1. HSBC Premier HSBC Premier is designed to give our customers recognition and benefits whether at home or abroad. It s important that you understand exactly how HSBC Premier works. We ve created this

More information

Agreement between the Ministry of Finance and Central Bank of Iceland on Treasury debt management

Agreement between the Ministry of Finance and Central Bank of Iceland on Treasury debt management Agreement between the Ministry of Finance and Central Bank of Iceland on Treasury debt management 1. Foundation of the Agreement Under Article 1 of Act No. 43/1990 on the National Debt Management Agency,

More information

Fees & Charges For UOB Deposit Accounts and Services

Fees & Charges For UOB Deposit Accounts and Services Fees & Charges For UOB Deposit Accounts and Services Content 2 1. ACCOUNT CHARGES SGD Deposit Accounts - Savings / Fixed Deposits 03 SGD Deposit Accounts - Current and Children 04 Foreign Currency Accounts

More information

ANNUITIES. An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities:

ANNUITIES. An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities: ANNUITIES An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities: The first is when you pay a lump sum to a life insurance company, and they

More information

Jupiter Merlin International Equities Portfolio

Jupiter Merlin International Equities Portfolio Jupiter Merlin Funds Jupiter Merlin International Equities Portfolio Jupiter Asset Management Limited Product Key Facts April 2016 Product Key Facts This statement provides you with key information about

More information

Fees and Charges. 華 僑 永 亨 銀 行 股 份 有 限 公 司 OCBC Wing Hang Bank Limited

Fees and Charges. 華 僑 永 亨 銀 行 股 份 有 限 公 司 OCBC Wing Hang Bank Limited Fees and Charges 華 僑 永 亨 銀 行 股 份 有 限 公 司 OCBC Wing Hang Bank Limited Table of Contents 1. Deposit Service 1.1 Current Account 4 1.2 Savings / Statement Savings Account 4 1.3 Deposit Cheque 4 1.4 Deposit

More information

FONDS COMMUN DE PLACEMENT (MUTUAL FUND) REGULATIONS GROUPAMA TRESORERIE ******

FONDS COMMUN DE PLACEMENT (MUTUAL FUND) REGULATIONS GROUPAMA TRESORERIE ****** FONDS COMMUN DE PLACEMENT (MUTUAL FUND) REGULATIONS GROUPAMA TRESORERIE ****** PART 1 ASSETS AND UNITS Article 1 CO-OWNERSHIP UNITS The rights of co-owners are expressed as units, with each unit corresponding

More information

SURVEY OF INVESTMENT REGULATION OF PENSION FUNDS. OECD Secretariat

SURVEY OF INVESTMENT REGULATION OF PENSION FUNDS. OECD Secretariat SURVEY OF INVESTMENT REGULATION OF PENSION FUNDS OECD Secretariat Methodological issues The information collected concerns all forms of quantitative portfolio restrictions applied to pension funds in OECD

More information

Variable Universal Life Insurance Policy

Variable Universal Life Insurance Policy May 1, 2015 State Farm Life Insurance Company P R O S P E C T U S Variable Universal Life Insurance Policy prospectus PROSPECTUS DATED MAY 1, 2015 INDIVIDUAL FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE

More information

RULES FOR PROVIDING PAYMENT SERVICES AND MANAGEMENT OF BANK ACCOUNT AND PAYMENT CARD ACCOUNT

RULES FOR PROVIDING PAYMENT SERVICES AND MANAGEMENT OF BANK ACCOUNT AND PAYMENT CARD ACCOUNT RULES FOR PROVIDING PAYMENT SERVICES AND MANAGEMENT OF BANK ACCOUNT AND PAYMENT CARD ACCOUNT Valid from 19 April 2015 1. INTRODUCTION 1.1. The Rules for Providing Payment Services and Management of Bank

More information

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system).

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Warsaw, 1 st November, 2014 Table of Contents I. Accounts and Account Details... 2 II. Domestic

More information

Insinger de Beaufort Equity Income Fund ("Fund D") (Share series Fund D) Supplementary prospectus June 2011

Insinger de Beaufort Equity Income Fund (Fund D) (Share series Fund D) Supplementary prospectus June 2011 Insinger de Beaufort Equity Income Fund ("Fund D") (Share series Fund D) Supplementary prospectus June 2011 This is an English translation of the official Dutch prospectus. Should there be any inconsistencies

More information

Tariff of Banking Fees and Commissions of mbank for SME and Corporates

Tariff of Banking Fees and Commissions of mbank for SME and Corporates Tariff of Banking Fees and Commissions of mbank for SME and Corporates (uniform wording effective 25 th November 2013) mbank.pl Contents General provisions... 3 I. Bank Accounts... 4 A. Bank Accounts and

More information

I. Raiffeisen Bank Account, electronic services List of Conditions Effective: As from 15 th April 2016 until withdrawal

I. Raiffeisen Bank Account, electronic services List of Conditions Effective: As from 15 th April 2016 until withdrawal I. Raiffeisen Bank Account, electronic services List of Conditions Effective: As from 15 th April 2016 until withdrawal 1. BANK ACCOUNTS AND ACCOUNT PACKAGES 1 2. INTEREST RATES HUF BANK ACCOUNTS 2 3.

More information

RATES FOR CASH AND SETTLEMENT SERVICES TO CORPORATE CUSTOMERS (LEGAL ENTITIES AND PRIVATE ENTERPRENEURS)

RATES FOR CASH AND SETTLEMENT SERVICES TO CORPORATE CUSTOMERS (LEGAL ENTITIES AND PRIVATE ENTERPRENEURS) Valid from 16.03.2015 RATES FOR CASH AND SETTLEMENT SERVICES TO CORPORATE CUSTOMERS (LEGAL ENTITIES AND PRIVATE ENTERPRENEURS) Item Service Applicable rates Payment procedure Notes 1.1. Opening an account

More information

Bond Fund of the TIAA-CREF Life Funds

Bond Fund of the TIAA-CREF Life Funds Summary Prospectus MAY 1, 2015 Bond Fund of the TIAA-CREF Life Funds Ticker: TLBDX Before you invest, you may want to review the Fund s prospectus, which contains more information about the Fund and its

More information

ONLINE UNIT TRUSTS FREQUENTLY ASKED QUESTIONS

ONLINE UNIT TRUSTS FREQUENTLY ASKED QUESTIONS A. General Matters 1. I had forgotten my online login password. How do I reset a new password? You can contact our Customer Service Officer at 1800 747 7000 or visit any of our branches. 2. Am I able to

More information

Price list Private Individuals

Price list Private Individuals Annex to the account opening/card issue and usage contract Price list Private Individuals 0372.100.200 Effective as of June 27 th, 2013 www.procreditbank.ro APPENDIX GENERAL RULES ACCOUNTS Cash withdrawals

More information

Guidance Note Capital Requirements Directive Market Risk

Guidance Note Capital Requirements Directive Market Risk Guidance Note Capital Requirements Directive Issued : 18 December 2007 Revised: 13 March 2013 V3 Please be advised that this Guidance Note is dated and does not take into account any changes arising from

More information