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

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1 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 Standard HUF based and MasterCard Gold HUF, USD and EUR based international deposit bankcards, consequently, applications for new bankcards are not accepted from that day on for these products. As from 1 August 2016, instead of bankcards issued for customers, which expire, are deficient or cancelled for any reasons, the Bank will issue the uptodate innovative product pair of the given card product with a PayPass function added to it, which allows a simpler, more comfortable and faster payment than traditional bankcard payments offer, simply by tapping the bankcards. The annual card fee of the MasterCard Unembossed PayPass HUF based, and MasterCard Standard PayPass HUF based international deposit bankcards, according to the list of terms and conditions, is higher only by HUF 50 than the annual fee of the traditional MasterCard Unembossed HUF based, and MasterCard Standard HUF based international deposit bankcard which may not be applied for any longer. The annual card fee of the MasterCard Gold PayPass HUF, USD and EUR based international deposit bankcard according to the list of terms and conditions, is lower by HUF 300 than the annual fee of the traditional MasterCard Gold HUF, USD and EUR based international deposit bankcard which may not be applied for any longer. If the bankcard you used up to now, which is one of the cards to be discontinued, was issued without charging an annual card fee within your service package, the change of the annual card fee will not affect you, and you will be able to use the bankcard with a PayPass function added to it also without an annual card fee charged. 1. The MKB Praktika Service package contains the following preferential services: Management of 1 bank account for an account management fee of 0 HUF (optional currency 1, for the first bank account opened in the order as the bank opens the accounts) 1 MasterCard Standard PayPass HUF based bankcard or 1 MasterCard Unembossed 2 HUF based bankcard or 1 MasterCard Unembossed PayPass HUF based bankcard, whose annual fee is 0 HUF NetBANKár service for the owner of the bank account for a monthly fee of 0 HUF. MobilBANKár service for the telephone number first provided by the owner of the bank account for a monthly fee of 0 HUF HUF payment transfer for a preferential fee: the discount expressed in number of pieces per month applies to the first 2 payment transfers as per the date of booking, by taking into account and at the preferential prices of the following transactions initiated from the HUF bank account: HUF single payment transfer within the bank, paper based: 0 HUF HUF single payment transfer within the bank, electronically: 0 HUF HUF single payment transfer outside the bank, paper based: 0 HUF HUF single payment transfer outside the bank, electronically: 0 HUF HUF payment transfer based on standing order within the bank: 0 HUF HUF payment transfer based on standing order outside the bank: 0 HUF Group collection order based on authorization: 0 HUF Cash withdrawal from domestic ATM for a preferential fee: According to Act CLXXXIX of 2013 on the financial decrease of overhead costs, a statement may be made for using the cash withdrawal possibility the consumer is entitled to, on the first occasion in the given calendar month and 1 MKB Bank opens and keeps bank accounts in the following foreign currencies: (As of 4 March 2015 the Bank has cancelled the selling of its CHF bank accounts.) HUF, AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HRK, JPY, NOK, PLN, RON, SEK, USD 2 The MasterCard Unembossed HUF bankcard is a product not sold as from 1 January

2 not exceeding the total value of HUF 150 thousand, performed in HUF at an ATM, for the bank account opened and managed within the service package. The fees/charges indicated in the list of conditions shall be calculated by the Bank based on the amount corresponding to the rate of the transaction duty effective from time to time pursuant to Act CXVI of 2012 on the Financial transaction duty, which at present is: a) 0.3 percent of the basis of the financial transaction duty, but maximum HUF per payment operation, b) 0.6 percent of the basis of the financial transaction duty in case of cash payment or cash payment through a cashless payment tool from the payment account. 2. The monthly fee of the MKB Praktika Service package is calculated based on the amount of credits in bands: Monthly amount of credits Below HUF Monthly fee of Service package HUF HUF HUF 935 HUF HUF HUF 835 HUF Above HUF 735 HUF The Bank examines the amount of credits each month for the period between the 20th of the month preceding the subject month and the 19th of the subject month. The Bank shall regard as credits the 2 highestamount credits to any of the customer s bank accounts managed by the Bank. The crediting of interest to the bank account and book transfer from the Customer s bank account, deposit account or securities account shall not be taken into account. In a campaign as from 13 July 2015: in case of Customers having no retail bank account before 13 July 2015 but who apply for the service package, on condition that the transfer of wages or pensions to the bank account opened as part of the service package is requested, and the relevant wages or pensions are credited to the account kept by MKB Bank by no later than within three months of the date of account opening as a single minimum amount of HUF 68,775, or in case of pension in the amount of HUF 28,500, the amount of monthly fees charged for the service package during the first three months shall be credited to the Customer s account by the 10 th day of the following (4 th ) month (in this case each started month shall be considered as a whole). The amount shall be credited to the relevant bank account on condition that in the 4 th month the Customer still has the service package requested as part of this special offer. In a campaign as from 23 March 2015: if customers not having a retail bank account as on 23 March 2015 apply for a service package in the first three months the monthly fee of the service package will be credited until the 10th of the next month, if simultaneously with the application they initiate the transfer of their wages or pension to the bank account opened within the service package (in respect of the campaign each month started shall be regarded as a full month). 3. Conditions of other services The banking services not listed may be used under the Bank s standard retail terms and conditions. The standard fees and commissions are contained in the following chapters of the List of Conditions for Private Individuals : II. Deposit products (L3), III/1. Unsecured credits (L4), General and special provisions (L8) 3.1. Standard bank account keeping and related services: I. Bank account keeping 1. Bank account opening 2. Monthly bank account keeping fee 345 HUF/bank account 2.1. Bank account used for registration of blocked amounts One bank account per currency may be opened In the case of the bank account used to register the MKB Limit Increasing Personal Loan during the tenor of the loan 2.3 Fee of termination In case of contracts signed in loyalty programme HUF (page 11, paragraph 4) 2

3 Bank account keeping 3. Mailing bank account statement Once a month In addition to the above: electronically by mail 655 HUF/statement fee payable for prompt account statement issue HUF/statement II. Payment transactions per item 1. Crediting amount transferred to bank account 2. HUF (single) payment transfer To bank account kept with MKB Bank in the case of a paperbased order 0.37% HUF, min. 370 HUF, max HUF in the case of an order submitted electronically 60 HUF + (0.3% max HUF) Through TeleBANKár employee 150 HUF + (0.3% max HUF) To bank account not kept with MKB Bank in the case of a paperbased order 0.43% HUF, min. 426 HUF, max HUF in the case of an order submitted electronically 96 HUF Through TeleBANKár employee 0.14% HUF, min. 156 HUF, max HUF EFER payment transfer 41 HUF 3. Foreign currency (single) payment transfer To bank account kept with MKB Bank (fee charged to the ordering customer) in the case of a paperbased order 920 HUF in the case of an order submitted electronically 510 HUF To bank account kept at MKB Bank (fee charged to the beneficiary 3 ) in the case of a paperbased order 920 HUF in the case of an order submitted electronically 510 HUF To bank account not kept with MKB Bank (fee charged to the ordering customer) in the currencies listed by MKB Bank in the case of a paperbased order 0.25%, min HUF, max HUF in the case of a paperbased SEPA order 0.16%, min HUF in the case of an order submitted electronically 0.12%, min HUF, max HUF in case of electronically submitted SEPA order 0.07%, min HUF in currencies not included in MKB Bank s official list of exchange rates 4. VIBER payment transfer, or HUF (single) payment transfer to a foreign country 5. HUF payment transfer based on standing order To bank account kept with MKB Bank To bank account not kept with MKB Bank 6. Foreign currency payment transfer based on standing order To bank account kept with MKB Bank (fee charged to the ordering customer) To bank account kept with MKB Bank (fee charged to the beneficiary 3 ) To bank account not kept with MKB Bank (fee charged to the ordering customer) 0.29%, min HUF, max HUF 0.60%, min HUF, max HUF 60 HUF 96 HUF 450 HUF 450 HUF 0.22%, min HUF, max HUF 3 This fee shall be charged to the beneficiary only if the payment of the fee was not undertaken by the ordering customer at the submission of the payment transfer order 3

4 Payment transactions per item 7. Group collection order based on authorization 60 HUF 8. Payment transfer by authorities / Prompt HUF collection The Customer is obliged to pay Payment transfer to bank account kept with MKB Bank 655 HUF Payment transfer to bank account not kept with MKB Bank %, min. 651 HUF, max HUF The customer has submitted the collection order against HUFbased account kept with MKB Bank 655 HUF against HUFbased account not kept with MKB Bank 0.21%, min. 655 HUF, max HUF III. Cash desk and vault transactions Per payment to/from the Bank 1. Payments by customers through cash desk up to HUF exceeding HUF (incl.) 0.10% 2. Payments to customers through cash desk In HUF 0.43% HUF, min. 630 HUF max HUF surcharge for coin handling in addition to the basic commission 0.50 HUF / coin In foreign currencies 0.43% HUF, min. 630 HUF In cheque 4 in bank cheque 0.32%, min HUF, max HUF + (0.6%) in travellers cheque 0 HUF 3. Fee payable for cash handling and commitment if the customer has failed to take out cash despite notification 0.19%, min HUF in advance IV. Cheque transactions 4 Per item 1. Crediting amount of forex cheque Prompt crediting 0.87%, min HUF Crediting cheque drawn on MKB Bank To bank account kept with MKB Bank 0.21%, min HUF To bank account not kept with MKB Bank 0.21%, min HUF + payment transfer fee 2. Redemption of bank cheque purchased from MKB Bank HUF/cheque 3. Cancelling bank cheque purchased from MKB Bank HUF/cheque 4. Collecting the amount of a cheque 0.32 %, min HUF 5. Handling unpaid cheques HUF 4 In relation with the discontinuation of the service of our partner bank, MKB Bank will also discontinue all of its services provided in relation with cheques. As from 2 May 2016 only those cheques will be cashed that are issued by MKB Bank and only until 1 July 2016 at the latest. 4

5 V. Telephone and electronic services 1. TeleBANKár service Entry fee TeleBANKár service monthly fee 2. NetBANKár service Entry fee Monthly fee (The monthly fee is also payable during the period of the suspension of the service.) INFO package SMS (Text message) AKTÍV package 195 HUF/user SMS (Text message) signature password fee The password sent out in a SMS (Text message) is in effect for 10 minutes after it is sent. SMS (Text message) on successful entry of the NetBANKár service 3. MobilBANKár (SMS service) Monthly fee (The monthly fee is also payable during the period of the 250 HUF/telephone number suspension of the service.) SMS Text messagefee Messages linked to the due dates of credit repayment are 23 HUF/SMS. Suspending the use of the service Activation of suspended service 325 HUF VI. Bank card use 1. Bank card types MasterCard Unembossed HUF 5 and EUR based international bankcards MasterCard Unembossed PayPass HUF based international bankcards VISA Internet HUF based international bankcard VISA Classic HUF and USD based international bankcards MasterCard Standard HUF 5, USD and EUR based international bankcards MasterCard Standard PayPass HUF based international bankcards VISA Gold HUF and USD based international bankcards MasterCard Gold HUF, USD and EUR based international bankcards 5 MasterCard Gold PayPass HUF, USD and EUR based international bankcards 5 Products not sold as from 1 January

6 MC Unembossed 6 MC Unembossed PayPass 2. The minimum amount to be placed on the cover account none 3. Standard spending limits Daily limit (HUF) number amount number amount purchase cash withdrawal Oneoff and annual fees Security deposit amount Based on casebycase assessment Annual fee per bankcard linked to HUF based bank account HUF HUF linked to foreign currencybased bank account 15.6 EUR 5. Other fees Fee payable for urgent preparation of bank card HUF Fee payable for taking over bank card at branch office HUF Fee payable for cancellation of bankcard Fee payable for replacement card, for temporary bankcard HUF in the case of defect in magnetic strip/chip in the case of the cancellation of the card in other cases HUF urgent card replacement abroad Fee of changing the bankcard design HUF Fee payable for urgent cash withdrawal abroad 190 EUR Refusal to provide urgent service or withdrawal of request 54 EUR Fee payable for acquiring bank card certificate HUF 6. Transaction commissions and costs Cash withdrawal in MKB Bank branch office As per III.2 in other domestic branch office or post office 0.36% HUF, min. 840 HUF at branch office abroad 1.20% EUR From MKB Bank ATM 91 HUF from ATM operated by others 425 HUF from foreign ATM 8 EUR Card transactions at post office 0.36% HUF, min. 840 HUF Purchase 0 HUF * 7. Expiry of the card 3 years 8. Foreign travel insurance (illness, accident, baggage) Europe package optional, its annual fee HUF Premium package optional, its annual fee HUF Car package optional, its annual fee HUF *With regards to a change in the legal regulations pertaining to the transaction duty, the Bank shall not apply this fee item, until the legal regulation is changed again to that effect. 6 The MasterCard Unembossed HUF bankcard is a product not sold as from 1 January As from 1 August 2016, instead of bankcards issued for customers, which expire, are deficient or cancelled for any reasons, the Bank will issue the uptodate innovative product pair of the given card product with a PayPass function added to it, which allows a simpler, more comfortable and faster payment than traditional bankcard payments offer, simply by tapping the bankcards. The annual card fee of the MasterCard Unembossed PayPass HUF based international deposit bankcard according to the list of terms and conditions, is higher only by HUF 50 than the annual fee of the traditional MasterCard Unembossed HUF based international deposit bankcard, which may not be applied for any longer. If the bankcard you used up to now, which is one of the cards to be discontinued, was issued without charging an annual card fee within your service package, the change of the annual card fee will not affect you, and you will be able to use the bankcard with a PayPass function added to it also without an annual card fee charged. 7 It is not charged for the urgent preparation of bank card. 6

7 VISA Internet VISA Classic and MasterCard Standard 8 2. The minimum amount to be placed on the cover account none HUF/400 USD/400 EUR 3. Standard spending limits Daily limit (HUF) number amount number amount purchase cash withdrawal Oneoff and annual fees Security deposit amount none based on casebycase assessment Annual fee per bank card Linked to HUF based bank account HUF HUF linked to foreign currencybased bank account HUF 5. Other fees Fee payable for urgent preparation of bank card HUF HUF Fee payable for taking over bank card at 9 branch office HUF HUF Fee payable for cancellation of bank card HUF HUF Fee payable for replacement card, for temporary bank card in the case of defect in magnetic strip in the case of the cancellation of the card in other cases 655 HUF HUF urgent card replacement abroad 245 EUR Fee of changing the bankcard design HUF Fee payable for urgent cash withdrawal abroad 190 EUR Refusal to provide urgent service or withdrawal of request 54 EUR Fee payable for acquiring bank card certificate HUF HUF 6. Transaction commissions and costs Cash withdrawal In MKB Bank branch office As per III.2 at other domestic bank branch office or post 0.36% HUF, min. 840 HUF office at branch office abroad 1.20% EUR from MKB Bank s ATM 91 HUF from ATM operated by others 425 HUF from ATM abroad 8 EUR Card transactions at post office 0.36% HUF, min. 840 HUF Purchase 0 HUF+(0.3% max HUF)* 0 HUF + (0.3% max HUF)* 7. Expiry of card 3 years 3 years 8. Foreign travel insurance (illness, accident, baggage) Europe package optional, its annual fee HUF Premium package optional, its annual fee HUF Car package optional, its annual fee HUF *With regards to a change in the legal regulations pertaining to the transaction duty, the Bank shall not apply this fee item, until the legal regulation is changed again to that effect. 8 The MasterCard Standard HUF bankcard is a product not sold as from 1 January As from 1 August 2016, instead of bankcards issued for customers, which expire, are deficient or cancelled for any reasons, the Bank will issue the uptodate innovative product pair of the given card product with a PayPass function added to it, which allows a simpler, more comfortable and faster payment than traditional bankcard payments offer, simply by tapping the bankcards. The annual card fee of the MasterCard Unembossed PayPass HUF based international deposit bankcard according to the list of terms and conditions, is higher only by HUF 50 than the annual fee of the traditional MasterCard Unembossed HUF based international deposit bankcard, which may not be applied for any longer. If the bankcard you used up to now, which is one of the cards to be discontinued, was issued without charging an annual card fee within your service package, the change of the annual card fee will not affect you, and you will be able to use the bankcard with a PayPass function added to it also without an annual card fee charged. 9 It is not charged for the urgent preparation of bank card 7

8 2. The minimum amount to be placed on the cover account 3. Standard spending limits VISA Gold and MasterCard Gold HUF/400 USD/400 EUR Daily limit (HUF) number amount purchase cash withdrawal Oneoff and annual fees Security deposit amount based on casebycase assessment Annual fee per bankcard Linked to HUF based bank account HUF Linked to foreign based bank account HUF 5. Other fees Fee payable for urgent preparation of bank card Fee payable for taking over bank card at branch office HUF Fee payable for cancellation of bank card HUF Fee payable for replacement card, for temporary bank card in the case of defect in magnetic strip/chip in the case of the cancellation of the card in other cases urgent card replacement abroad Fee of changing the bankcard design Fee payable for urgent cash withdrawal abroad 0 HUF Refusal to provide urgent service or withdrawal of request Fee payable for acquiring bank card certificate HUF 6. Transaction commissions and charges Cash withdrawal At MKB Bank branch office As per III.2 at other domestic bank branch office or post office 0.36% HUF, min. 840 HUF at branch office abroad 1.20% EUR from MKB Bank s ATM 0 HUF from ATM operated by others 425 HUF from ATM abroad 8 EUR Card transactions at post office 0.36% HUF, min. 840 HUF Purchase 0 HUF * 7. Expiry of card 3 years 8. Foreign travel insurance (illness, accident, baggage) World (Világ) package incorporated 12, Premium package optional, its annual fee HUF (Supplement to World (Világ) package) Car package optional, its annual fee HUF (Supplement to World (Világ) package) *With regards to a change in the legal regulations pertaining to the transaction duty, the Bank shall not apply this fee item, until the legal regulation is changed again to that effect. 10 The MasterCard Gold HUF/EUR/USD bankcards are products not sold as from 1 January As from 1 August 2016, instead of bankcards issued for customers, which expire, are deficient or cancelled for any reasons, the Bank will issue the uptodate innovative product pair of the given card product with a PayPass function added to it, which allows a simpler, more comfortable and faster payment than traditional bankcard payments offer, simply by tapping the bankcards. The annual card fee of the MasterCard Gold PayPass HUF, USD and EUR based international deposit bankcard, according to the list of terms and conditions, is lower by HUF 300 than the annual fee of the traditional MasterCard Gold HUF, USD and EUR based international deposit bankcard which may not be applied for any longer. If the bankcard you used up to now, which is one of the cards to be discontinued, was issued without charging an annual card fee within your service package, the change of the annual card fee will not affect you, and you will be able to use the bankcard with a PayPass function added to it also without an annual card fee charged. 11 It is not charged for the urgent preparation of bank card 12 Incorporated insurance: The issue of the bankcard shall make the Insured party entitled to a foreign travel insurance, in the manner and under the terms and conditions specified in the contract signed with the Bank 8

9 MasterCard Standard PayPass MasterCard Gold PayPass 2. The minimum amount to be placed on the HUF / 400 USD / HUF cover account 400 EUR 3. Standard spending limits Daily limit (HUF) number amount number amount purchase cash withdrawal Oneoff and annual fees Security deposit amount based on casebycase assessment based on casebycase assessment Annual fee per bankcard Linked to HUF based bank account HUF HUF Linked to foreign based bank account HUF 5. Other fees Fee payable for urgent preparation of bank card HUF Fee payable for taking over bank card at branch 13 office HUF HUF Fee payable for cancellation of bank card HUF HUF Fee payable for replacement card, for temporary bank card in the case of defect in magnetic strip/chip in the case of the cancellation of the card in other cases HUF urgent card replacement abroad 245 EUR Fee of changing the bankcard design HUF Fee payable for urgent cash withdrawal abroad 190 EUR 0 HUF Refusal to provide urgent service or withdrawal of 54 EUR request Fee payable for acquiring bank card certificate HUF HUF 6. Transaction commissions and charges Cash withdrawal At MKB Bank branch office As per III.2 As per III.2 at other domestic bank branch office or post office 0.36% HUF, min. 840 HUF 0.36% HUF, min. 840 HUF at branch office abroad 1.20% EUR 1.20% EUR from MKB Bank s ATM 91 HUF 0 HUF from ATM operated by others 425 HUF 425 HUF from ATM abroad 8 EUR 8 EUR Card transactions at post office 0.36% HUF, min. 840 HUF 0.36% HUF, min. 840 HUF Purchase 0 HUF 0 HUF * * 7. Expiry of the card 3 years 3 years 8. Foreign travel insurance (illness, accident, baggage) Europe package optional, its annual fee HUF Premium package optional, its annual fee HUF Car package optional, its annual fee HUF, World (Világ) package incorporated insurance 14, free of charge Premium package optional, its annual fee (Supplement to World (Világ) package) HUF Car package optional, its annual fee (Supplement to World (Világ) package) HUF *With regards to a change in the legal regulations pertaining to the transaction duty, the Bank shall not apply this fee item, until the legal regulation is changed again to that effect. 13 It is not charged for the urgent preparation of bank card 14 Incorporated insurance: The issue of the bankcard shall make the Insured party entitled to a foreign travel insurance, in the manner and under the terms and conditions specified in the contract signed with the Bank 9

10 VII. Other fees related to bank account management and payment transactions 1. Registry/modification/cancellation fee (in the case of paper based 240 HUF / order payment transfer based on standing orders) 2. Valuedated payment transfer orders; cancellation of orders on the held queue due to insufficient funds (based on the HUF / order Customer s request or initiated by the bank) Recall of domestic HUF order (in respect of debiting / payment based on single payment transfer orders and payment transfers based on standing order) 3.1. From a bank account kept with MKB Bank HUF / order 3.2. From a bank account not kept with MKB Bank HUF / payment transfer order + the cost charged by the Bank that initiated the transfer back 4. Cancellation of VIBER orders HUF/item 5. Cancellation of international payment transfer orders (by the customer or at the initiative of the Bank) after the process of performance started 5.1. From a bank account kept with MKB Bank HUF /payment transfer order 5.2. From a bank account not kept with MKB Bank HUF / order + the cost charged by the Bank that initiated the transfer back 6. Recovery of the amount of not performed or incorrectly HUF /payment transfer performed international payment transfers if the payment transfer order order specifies incorrect individual ID 7. Amendment of data provided by the Customer in case of the HUF /payment transfer order performance of international payment transfers 8. Obtaining information in connection with the performance of HUF /information request international payment transfer orders 9. Regular fillup of bank account balance HUF /order/month 10. Fee charged for customer s order not settled and queued up for 240 HUF/order lack of funds 11. Cancellation fee payable in the case of bank accounts cancelled for lack of data pursuant to Act CXXXVI of HUF /month/bank account + bank account keeping fee 12. Fee for applying for cheque block attached to bank account HUF/cheque block 13. Commission for urgent procedure 0.1%/calendar day, min. 760 HUF 14. Tax amnesty related procedure fee 1.5%/tax base 15. Order to be carried out in the case of death/modification HUF/occasion In case upon cancellation by customer the use of such a bankcard is terminated related to which the customer was entitled to preferential fees, the Bank shall settle such preferences to another bankcard issued for the customer if such bankcard exists in the case of which preferential fees are applicable according to the List of Conditions. If the customer requests a new bankcard to be issued through the amendment of a bankcard contract or signing any new contract, the preferences it is entitled to related to any bankcards previously issued for the customer shall not change and the customer may not request the modification of such preferences by attaching it to the new bankcard. The Bank reserves the right to change the list of conditions and the right to notify its customers about the change in the conditions and interest rates in the manner as defined in the business rules (in its offices open for customer service). 15 This fee is not charged when the request for cancellation initiated via the NetBANKár system is fulfilled in respect of a valuedated domestic HUF payment transfer order registered by the Bank 16 In relation with the discontinuation of the service of our partner bank, MKB Bank will also discontinue all of its services provided in relation with cheques. As from 2 May 2016 only those cheques will be cashed that are issued by MKB Bank and only until 1 July 2016 at the latest. 10

11 4. Fee payment In the case of application for or cancellation of a service package the Bank upon settlement at closure shall charge the account keeping fee valid for the selected new service package, or retail bank account keeping (3.1 paragraph I.2.). If the service package is cancelled within one year from signing the loyalty program (and it does not take place as part of switching to another service package) the Bank shall charge a cancellation fee (3.1 paragraph I.2.4.). Upon applying for or cancelling a service package the Bank charges the account statement fee and all monthly fees at the time of settlement upon closure. In the case of such transactions the Bank charges the conditions in effect on the day of the completion of the transaction. The fees relating to payment transactions and all other fees are promptly charged. In the month when the service package is applied for, the number of preferential HUF payment transfers (HUF payment transfer orders) also includes the HUF payment transfer orders fulfilled in the subject month prior to the application for the service package. As the fee/cost of these transactions (HUF payment transfer orders) the Bank shall charge the fee valid for such transactions at the time of acceptance of the order by the Bank regardless the fact that at the time of the fulfilment of the order the Customer may already use the service package (new service package). If a service package is requested or cancelled during an accounting settlement period the sight deposit and loan interest that has accumulated up to that point in time is credited or charged by the Bank at the time of making the request or cancellation. In case of application for/cancellation of the Service package the Bank shall charge the HUF payment transfer fee, the fee of account statement, and post box rental fee at settlement at closure. In the case of these transactions, the Bank shall charge the conditions valid on the day when the transaction is executed. In case of the application/cancellation of a service package, if the customer keeps its bankcard, the Bank shall set its conditions to standard and shall charge its annual fee to the customer on the accounting day of the bankcard. 5. Other provisions At the same time the Customer may use only one service package. In the fulfilment of forward single payment transfer orders, standing orders or direct debits submitted to the Bank prior to the application for the service package the Bank shall charge such fee/cost, which is specified in the service package used by the customer at the time of the submission of the abovelisted orders, or in lack of that in the List of Terms and Conditions on retail bank account management. If the customer uses a service package, credit or other services, the Bank shall provide such simultaneously used other services under the terms and conditions valid for these specific service(s) and by charging the relevant fees and costs. In case any of the service packages is used, the (monthly, annual, etc.) fees of the service packages provided under the package shall be payable when such fee falls due according to the List of Conditions in case of the specific service. MKB Bank Zrt. 11

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