PRIVATE CLIENTS SIGHT AND TERM DEPOSIT INTERESTS Valid: July 29, HUF INTEREST RATES

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Cuthbert Bridges
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1 PRIVATE CLIENTS SIGHT AND TERM DEPOSIT INTERESTS Valid: July 29, HUF INTEREST RATES 1.1 STANDARD PRIVATE TERM DEPOSIT INTEREST RATES Minimum amount: HUF Interest period Annual interest rate (EBKM) Annual interest rate (EBKM) HUF 100,000-9,999,999 HUF 10,000,000-1 week 0,25 % (0,25%) 0,50 % (0,50%) 2 week 0,25 % (0,25%) 0,50 % (0,50%) 3 week 0,25 % (0,25%) 0,50 % (0,50%) 1 month 0,75 % (0,75%) 1,00 % (1,00%) 2 months 0,75 % (0,75%) 1,00 % (1,00%) 3 months 1,00 % (1,00%) 1,25 % (1,25%) 6 months 1,00 % (1,00%) 1,25 % (1,25%) 9 months 1,13 % (1,13%) 1,38 % (1,38%) 12 months 1,25 % (1,25%) 1,50 % (1,50%) 1.2 KDB TIGER 6 DEPOSIT a) NEW Deposit Minimum amount: HUF Maximum deposited amount by one client is HUF HUF 3 months 6 months 9 months % 3.25 % 3.00 % % 3.75 % 3.50 % Condition: Exist of KDB HUF current account. A stipulation of Tiger deposit is that the amount to be deposited shall stem from external source and exceed the total close balance of the client s sight and term deposits as of July 15, 2013 till the date of placement of the new deposit. In case of early termination the interest rate for sight deposit in given currency defined in point 1.5 valid on termination day shall be paid. b) LOYALTY Deposit Minimum amount: HUF Maximum deposited amount by one client is HUF Private Announcement on Deposit Interest Rate Valid: July 29,

2 HUF 3 months 6 months % 2.75 % % 3.25 % Condition: Exist of KDB HUF current account. A stipulation of Tiger deposit is that the amount to be deposited shall stem from total or partial amount of matured at least after one interest period term deposit of which the expiry date must not be earlier than 10 calendar days before. In case of early termination the interest rate for sight deposit in HUF defined in point 1.5 valid on termination day shall be paid. 1.3 GOLDFISH DEPOSIT Minimum amount: HUF That client is entitled to place his/her money into this product. who pays in HUF at cash desk the same amount to be fixed in Goldfish Deposit - on the same day of the deposit fixing. The deposit placement is right after the transaction of cash pay-in. In this case the cash pay-in is free of charge. HUF 2 weeks 1 month 2 months 3 months 6 months Annual interest rates and EBKM % 0.25 % 0.50 % 1.00 % 1.25 % In case of early termination. the Bank does not pay interest rate after the deposit. The fee of early termination is 1.3% of the deposit amount. Goldfish Deposit can be placed only in branches. 1.4 ELECTRONIC DEPOSIT The offer concerns the newly contracted deposits with 9 month- or 12 month-term ordered via NetBank. Minimum amount: HUF 1,000,000 Maximum deposited amount by one client is HUF 50,000,000 HUF 9 months 12 months 1,000,000-50,000, % 3.00 % Condition: Exist of KDB HUF current account. In case of early termination the interest rate for sight deposit in HUF defined in point 1.5 valid on termination day shall be paid. Private Announcement on Deposit Interest Rate Valid: July 29,

3 In case any of the mentioned criteria would not be fulfilled, the Bank pay the interest rate of 9-month or 12-month term deposit published in point 1.1. of Private Announcement on Deposit Interest on the Electronic deposit. The Electronic Deposit can be fixed only via KDB NetBank. 1.5 SIGHT DEPOSIT INTEREST RATES a) Interest rates on current accounts and bankcard accounts: Annual interest rates (EBKM) Annual interest rates (EBKM) HUF HUF % (0.00%) 0.50 % (0.50%) Interest rate on overspent amount: % Presently undefined terms and conditions are included in effective Condition List for Private Clients. b) Interest rates on current accounts and bankcard accounts valid from 12 th of August, 2013: Annual interest rates (EBKM) Annual interest rates (EBKM) HUF HUF % (0.00%) 0.25 % (0.25%) c) Interest rates on current accounts and bankcard accounts valid from 11 th of September, 2013: Annual interest rates (EBKM) Annual interest rates (EBKM) HUF HUF % (0.00%) 0.10 % (0.10%) Private Announcement on Deposit Interest Rate Valid: July 29,

4 2. FOREIGN EXCHANGE INTEREST RATES 2.1 STANDARD PRIVATE TERM DEPOSIT INTEREST RATES Minimum amount: EUR. GBP. USD and CHF Interest period 2 weeks 1 month 2 months 3 months Currency Annual interest rates (EBKM) USD 0.00 % (0.00%) 0.09 % (0.09%) 0.08 % (0.08%) 0.22 % (0.22%) EUR 0.00 % (0.00%) 0.27 % (0.27%) 0.30 % (0.30%) 0.44 % (0.44%) GBP 0.00 % (0.00%) 0.69 % (0.69%) 0.70 % (0.70%) 0.81 % (0.81%) CHF 0.00 % (0.00%) 0.00 % (0.00%) 0.01 % (0.01%) 0.02 % (0.02%) Interest period 6 months 9 months 12 months Currency Annual interest rates (EBKM) USD 0.35 % (0.35%) 0.00 % (0.00%) 0.73 % (0.73%) EUR 0.65 % (0.65%) 0.00 % (0.00%) 0.95 % (0.95%) GBP 0.99 % (0.99%) 0.00 % (0.00%) 1.38 % (1.38%) CHF 0.08 % (0.08%) 0.00 % (0.00%) 0.25 % (0.25%) In case the deposit amount exceeds EUR. GBP. USD or CHF a special interest rate can be applied for at any branches. 2.2 KDB TIGER 6 EUR DEPOSIT Minimum amount: EUR 200 Maximum deposited amount by one client is EUR. EUR 3 months 6 months % 2.00 % Condition: Exist of KDB EUR current account. In case of early termination the interest rate for sight deposit in given currency defined in point 2.7 valid on termination day shall be paid. 2.3 KDB TIGER 6 EUR NEW DEPOSIT Minimum amount: EUR 200 Maximum deposited amount by one client is EUR EUR 2 months % Private Announcement on Deposit Interest Rate Valid: July 29,

5 Condition: Exist of KDB EUR current account. A stipulation of Tiger deposit is that the amount to be deposited shall stem from external source and exceed the total close balance of the client s sight and term deposits as of July 15, 2013 till the date of placement of the new deposit. In case of early termination the interest rate for sight deposit in given currency defined in point 2.7 valid on termination day shall be paid. 2.4 KDB TIGER 6 USD NEW DEPOSIT Minimum amount: USD 200 Maximum deposited amount by one client is USD USD 3 months 6 months % 1.85 % Condition: Exist of KDB USD current account. A stipulation of Tiger deposit is that the amount to be deposited shall stem from external source and exceed the total close balance of the client s sight and term deposits as of July 15, 2013 till the date of placement of the new deposit. In case of early termination the interest rate for sight deposit in given currency defined in point 2.7 valid on termination day shall be paid. 2.5 GOLDFISH DEPOSIT Minimum amount: EUR/USD That client is entitled to place his/her money into this product. who pays in EUR/USD at cash desk the same amount to be fixed in Goldfish Deposit - on the same day of the deposit fixing. The deposit placement is right after the transaction of cash pay-in. In this case the cash pay-in is free of charge. 1 month 2 months 3 months 6 months Annual interest rates and EBKM EUR % 0.00 % 0.00 % 0.15 % USD % 0.08 % 0.22 % 0.35 % In case of early termination, the Bank does not pay interest rate after the deposit. The fee of early termination is 1.3% of the deposit amount. Goldfish Deposit can be placed only in branches. Private Announcement on Deposit Interest Rate Valid: July 29,

6 2.6 ELECTRONIC DEPOSIT The offer concerns the newly contracted deposits with 9 month- or 12 month-term ordered via NetBank. Minimum amount: EUR 3,500 Maximum deposited amount by one client is EUR 175,000 HUF 9 months 12 months 3, , % 2.50 % Condition: Exist of KDB EUR current account. In case of early termination the interest rate for sight deposit in HUF defined in point 2.7 valid on termination day shall be paid. In case any of the mentioned criteria would not be fulfilled, the Bank pay the interest rate of 9-month or 12-month term deposit published in point 2.1. of Private Announcement on Deposit Interest on the Electronic deposit. The Electronic Deposit can be fixed only via KDB NetBank. 2.7 SIGHT DEPOSIT INTEREST RATES Interest rates on current accounts and bankcard accounts: Currency Annual interest rates (EBKM) EUR 0.00 % (0.00%) CHF 0.00 % (0.00%) GBP 0.00 % (0.00%) USD 0.00 % (0.00%) Based on the Act 1995/CXVII. on personal income tax the Bank deducts and pays the interest income tax. The Bank credit the Account Holder s bank account with deposit interest amount reduced by interest income tax at termination or early-termination. Present Announcement constitutes a part of effective List of Conditions for private clientele. The deposit products determined in the present announcement are insured by the National Deposit Insurance Found (OBA) in compliance with rules written in Deposit Contract. Private Announcement on Deposit Interest Rate Valid: July 29,

List of Conditions for retail clients Regarding cash deposit or government securities covered Payment account related credit line

1. Conditions of credit line: List of Conditions for retail clients Regarding cash deposit or government securities covered Payment account related credit line 1. Opening payment and collateral or securities