PUBLIC ANNOUNCEMENT. d.) current accounts of foundations and charities HUF 1,690 e.) savings accounts HUF 0

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1 PUBLIC ANNOUNCEMENT Published on 14 February 2014 Effective from 15 February 2014 on commissions, fees and costs applicable to the HUF and FOREX accounts 1 of domestic and foreign mediumsized and large companies (for customers having bank account at OTP Bank Plc. on 31 December 2012) I. Account-keeping, current account transactions 1.) Account opening Free of charge 2.) Account-keeping* 2.1.) HUF accounts current accounts of enterprises current accounts of non-profit organizations OTP e-huf current accounts d.) current accounts of foundations and charities HUF 1,690 e.) savings accounts HUF 0 f.) other accounts g.) technical accounts HUF ) FOREX accounts 1 enterprises non-profit organizations foundations savings accounts (EUR, USD) HUF ) Account packages HUF , from (21) HUF TERRA account package for small-scale farmers and small HUF , agricultural businesses 16 from (21) HUF HUF , KAPCSOLAT account package for medium-sized enterprises from (21) HUF ELECTRA service package per bank accounts involved into the service HUF , package 18 from (21) under Act XV of 2003, separate fee due on accounts blocked because 2.4.) HUF 100 of deficient data (in addition to the fee under points 2.1 and 2.2) 3.) Initiation of transfers, book transfers, collection and administrative orders 3.1.) Domestic HUF and intra-bank FX transfers commission on domestic inter-bank HUF transfers (on HUF account*) commission on domestic intra-bank HUF and FOREX transfers (on HUF account*)for enterprises, non-profit orgs., foundations. 3.2.) OTP e-forint current account* (only domestic HUF turnover) inter-bank domestic HUF transfers %, min. HUF 540, max. HUF 311,700 from (21) %, min. HUF 330, max. HUF 111, %, min. HUF 497, max. HUF 311,700 from (21) %, min. HUF 197, max. HUF 111,700 a. via electronic channel 6 from (21) %, %, min. HUF 372, min. HUF 162 a. in a paper-based format intra-bank domestic HUF transfers %, min. HUF % special fee from (21) %, min. HUF % special fee b. via electronic channel %, min. HUF 282, from (21) %, min. HUF 72

2 b. in a paper-based format 3.3.) International HUF and FOREX transfers, inter-bank FOREX transfers 14 standard transfers (value date T+2) %, min. HUF % special fee from (21) %, min. HUF % special fee a. via electronic channel %, min. HUF 4,500, max. HUF 85,000 from (21) 0.30 %, max. HUF 85,000 a. in a paper-based format 0.40 %, min. HUF 4,500, max. HUF 85,000 from (21) 0.40 %, max. HUF 85,000 urgent transfers b. via electronic channel %, min. HUF 4,500, max. HUF 85,000 from (21) 0.30 %, max. HUF 85,000 + HUF 5,000 b. in a paper-based format 0.40 %, min. HUF 4,500, max. HUF 85,000 from (21) 0.40 %, max. HUF 85,000+ HUF 5,000 Euro express transfers (EUR account, EUR currency, via e-channel 2, urgent transfer initiated until 12:00 am, T+0 fulfillment) c. via electronic channel %, min. HUF 4,500, max. HUF 85,000 from (21) 0.30 %, max. HUF 85,000 + HUF 5,000 c. in a paper-based format not available d.) SEPA transfers (EUR transfers to EU, Norway, Switzerland, Liechtenstein, Monaco and Iceland) (15) d. via electronic channel %, min. HUF 4,500, max. HUF 21,000 from (21) 0.30 %, max. HUF 21,000 d. in a paper-based format 0.40 %, min. HUF 4,500, max. HUF 21,000 from (21) 0.40 %, max. HUF 21,000 e.) transfers within OTP Bank Group 5 e. standard transfers (value date T+2) HUF 3,500 e. OTP Express (value date T+0) HUF 6,000 f.) Surcharge of imprecise or incorrect orders 3 HUF ) Occasional intra-bank HUF transfer to collective account 3.5.) Book transfer between own accounts 20 Free of charge %, min. HUF 497, max. HUF 311,700 from (21) %, min. HUF 197, max. HUF 111, ) Transaction fee of transfers and book transfer in addition to the commission in point 3.1. and 3.5.) from Business and KAPCSOLAT Savings accounts %, max. HUF 50, ) transaction fee of book transfer from FOREX savings account to own FOREX account FX Savings account (EUR) 0.01 %/item, max. HUF 50,000 FX Savings account (USD) %/item, max. HUF 50, ) Initiation of collection and administrative orders HUF ) Initiation of domestic VIBER (Real Time Gross Settlement System) item in HUF to domestic destinations to the charge of a FOREX account 0.9 %, min. HUF 16,000 max. HUF 311,700 from (21) 0.65 %, min. HUF 13,900 max. HUF 111, ) Special fee of orders with enhanced data content * 19 Based on agreement 3.11.) Recall of the amount of mistakenly fulfilled transfers from the account holder s fault HUF 8,900 / item + postage under the prevailing standard tariffs (free of charge until withdrawal or until the first day of the 2nd month following the KSH (Central Statistical Office) publication of inflation rate for 2014.

3 4.) Credits crediting of domestic HUF transfers (VIBER as well) Free of charge crediting of international HUF transfers Free of charge d.) commission on crediting of FOREX transfers from foreign and other Hungarian banks (if the client does not undertake to bear third-party bank costs) c. up to EUR ) Teller desk transactions 8 Free of charge 0.06 %, min. EUR 6, max. EUR 60 c. over EUR from (21) 0.05 % min. EUR 5 max. EUR 50 postage under the prevailing payments at post offices (fee of postal intermediation) standard tariffs 5.1.) Teller desk withdrawals in HUF (on HUF account*) in foreign currency 5.2.) Teller desk deposits 8 bulk withdrawals (in addition to points a) and b)) in HUF %, min. HUF 1,169 from (21) % min. HUF %, min. HUF 1,820 from (21) % min. HUF 1,320 in accordance with a case-based agreement a. in banknotes* %, min. HUF 211 In coins (In addition to the fee items listed in the Announcement on a. the fee items of the distribution of banknotes and coins) in foreign currency b. in banknotes USD, EUR, GBP, CHF coins equal to or exceeding denomination b. 1(In addition to the fee items listed in the Announcement on the fee items of the distribution of banknotes and coins) %, min. HUF %, min. HUF 1,057 /item Free of charge bulk disbursement (in addition to points a) and b)) Free of charge 6.) Direct debit in HUF (from HUF account in HUF)** 6.1.) Direct debit in Hungary (charged per item direct credit) inter-bank HUF transfers intra-bank HUF transfers 6.2.) Direct collection in Hungary (charged per item direct debit) inter-bank collection, initiated item HUF %, min. HUF 142 from (21) %, min. HUF %, min. HUF 122 from (21) %, min. HUF 22 inter-bank collection, credited item %, min. HUF 21 intra-bank collection, initiated item HUF 22 d.) intra-bank collection, credited item Free of charge 6.3.) Other services related to direct payments (forwarding of message/authorization outside the bank) 6.4.) Commission charged to the obligor s bank account in the case of direct debit 6.5.) 7.) Cheque inter-bank direct debit in addition to the percentage proportion of the commission in point 3. b intra-bank direct debit in addition to the percentage proportion of the commission in point 3. b Recall of the amount of mistakenly fulfilled transfers from the account holder s fault cheque issued by OTP Bank HUF 21 + VAT / transaction HUF 106 HUF 0 HUF 25,000 / package + postage under the prevailing standard tariffs (free of charge until withdrawal or until the first day of the 2 nd month following the KSH (Central Statistical Office) publication of inflation rate for a. in a paper-based format 2 0.4%, max. HUF 85,000 re-purchase undrawn OTP-issued cheque Free of charge

4 purchase of cheque 0.8%, min. HUF 3,000 d.) cheque purchase with collection 0.2%, min. HUF 3,000, max. HUF 100,000 e.) bounced cheque HUF 3,000 f.) purchase of cheque drawn on OTP HUF ) Documentary transactions 8.1.) Export prompt collection Sending of documents and/or B/E for collection 0.2 %, min. HUF 7,000 Modification and cancellation of prompt collection HUF 6, ) Export L/C (including domestic HUF L/Cs) 9 Advising of L/C or raise without assumption of obligation 0.15 %, HUF 7,000, max. HUF 150,000 Certification of L/C (in addition to the advising commission) in accordance with a case-based agreement, subject to the risk assumed by the opening bank Drawdown of L/C (inspection of documents, crediting) 0.2%, min. HUF 7,000 d.) Advising of modification of L/C (except raise) HUF 6,000 e.) Transfer of L/C 0.2%, min. HUF 7,000 f.) Record-keeping of deferred payment HUF 6,000/occasion g.) Assignment of L/C 0.1%, min. HUF 7,000 h.) Discounting of L/C with deferred payment in accordance with a case-based agreement, subject to the risk assumed by the opening bank i.) Preliminary inspection of documents in connection with L/C HUF 3,000/occasion 8.3.) Import collection (if the commission is charged to our client) Arrangement of import collection (documents and/or B/L) 0.4 %, min. HUF 8,500 Modification, cancellation) HUF 6,000 Delivery of documents without payment 8.4.) Import L/C (including domestic HUF L/Cs) 9 Opening, raise of L/C payable at OTP Bank Plc %, min. HUF 7,000 max. HUF 100,000 a. in the case of full coverage 0.25 %, min. HUF 7,000 a.b) without full coverage Opening, raise of L/C payable at foreign or other Hungarian bank in addition to the fee specified in point 8.4. a.a) in accordance with a separate agreement b. in the case of full coverage 0.3%, min. HUF 7,500 b. without full coverage in addition to the fee specified in point 8.4. b.a) in accordance with a separate agreement Certification of L/C by foreign bank cost of certifying bank d.) Drawdown of L/C (inspection of documents, crediting) 0.3%, min. HUF 8,000 e.) Modification of L/C (except raise) HUF 6,000 f.) Record-keeping of deferred payment HUF 6,000/occasion 8.5.) Received guarantee (including domestic FOREX guarantee and international HUF guarantee) Advising of guarantee issued by another bank, advising of raise, validation of authenticity (without risk assumption) Advising of guarantee modification other than raise (without risk assumption) 0.15%, min. HUF 7,000, max. HUF 150,000 HUF 6,000 Drawdown of guarantee 0.2%, min. HUF 7,000 Second guarantee (with risk assumption) in accordance with a case-based agreement, subject to the risk assumed by the opening bank 8.6.) Issuance of guarantee (including domestic FOREX guarantee and international HUF guarantee) 10 Issue, raise and advising of guarantee a. One-off issuance commission 0.25%, min. HUF 8,000 a. Risk assumption fee in addition to the fee specified in point 8.6. a.a) in accordance with a separate agreement

5 Modification of guarantee (except raise) HUF 6,000 Management of called guarantee 9.) Other services related to points 3.3.), 4.), 7.) and 8.) Separate banker s correspondence, complaints, urgency calls for payment 0.3 %, min. HUF 8,500, max. HUF 100,000 HUF 3,000 Photocopy of receipts (e.g. SWIFT photocopy) HUF 500 Release of consignment mailed to OTP s address/order 0.2%, min. HUF 7,000 d.) Consultancy fee (L/C, draft guarantee wording at the client s request) HUF 7,000 e.) Obtaining bank information on client HUF 5,000 f.) Modification, cancellation of transaction orders HUF 3,000 g.) Fee of debiting and crediting notice by items connecting international payments HUF 1, ) Standing/future value date orders in HUF on HUF account (in addition to points 3 and 5) upon payment of tax and social security contributions Free of charge upon increase of deposited amount with a fixed amount Free of charge in any other case HUF 121/order 11.) Management of contingent HUF orders on HUF account In the case of queuing other than the order of receipt of orders HUF 1,650/order 12.) Bill of exchange In the case of branch queuing of uncovered payment orders following compulsory queuing, based on agreement Queuing of one-off transfers within a day fulfilled via Electra Terminal (based on separate agreement started with 1 July 2012) HUF 1,650/order B/E fee in the case of protest one-off 0.3 % Management fee of safe-keeping custody (FOREX) HUF 5, ) Scheduled blocking on FOREX account HUF 2, ) Maintenance of current account passbook** HUF 8, ) Bank information At the written request of the account-holder Account information disclosed for the purpose of auditing 16.) Delivery and modification of certifications HUF 2,900 / account / month (free of charge until 31 December 2014) HUF 5,490 HUF 5,490 coverage certificate provided/modified on P.3.T based on its amount %, min. HUF 1,580 certification of placement of property collateral %, min. HUF 1,580 Certification of collection orders HUF 1,110 apiece d.) 17.) Bank statement other certification (e.g. execution of transfer order, payment of ordinary share capital) mailing of bank statement (according to turnover, paper-based) a. domestic destination* a. abroad HUF 1,650 apiece Free of charge Free of charge fee for branch retention* HUF 1,110/ account-holder rent of deposit box* HUF 1,110/ account-holder d.) bank statement at a separate request HUF 330 per booking day 18.) Fee charged for photocopies accounting document and other banking document other documents related to account-keeping HUF 440 apiece HUF 440 apiece

6 19.) Mailing of foreign exchange rates HUF 500 apiece 20.) Actually incurred postage postage under the prevailing standard tariffs 21.) OTPdirekt ELECTRA client terminal service Installation a. installation by OTP HUF 42,200 + VAT a. downloaded via the Internet HUF 10,500 + VAT Use of software* (13) - below HUF 300 million annual account turnover HUF 1,050 + VAT/software - annual account turnover between HUF 300 to 2,000 million HUF VAT/software - over HUF 2,000 million annual account turnover Free of charge Other related fee items c. Renting of modem* HUF VAT c. Renting of PC* Renting of PC (request prior to 1 May 1999) HUF 1,110 + VAT Renting of PC (request subsequently to 1 May 1999) HUF 5,490 + VAT c.c. Renting of printer* HUF VAT 22.) Forwarding credits on closed accounts according to agreement Contributor bank fee (simultaneously with signing the agreement, in advance, in a lump sum, due for the agreed period) Commission on payment Postage cost HUF 10,000/month/account standard tariff without maximum value based on transfer type fixed in the agreement postage under the prevailing standard tariffs

7 II. Customs teller desk services 1.) Commission on services 0.46 %, min. HUF 600/service 2.) cash deposit (in addition to the commission on the service) in accordance with I point of the current PUBLIC ANNOUNCEMENT 3.) Commission on Internet service (16) 0,41 %, min. 520 Ft/item 4.) delivery of ad hoc certification evidencing the payment of customs duties debt and customs bond HUF 1,000 apiece III. On-line service for electronic query of certificate of incorporation 1.) Until 20 kb document HUF 1,490 Ft/download 2.) Exceeding 20 kb document HUF 1,490 until 20 kb, HUF 35/kB above 20 kb IV. Late payment of fees, commission and costs 1.) Late payment penalty interest rate applicable to the period of default in respect of HUF account in respect of FOREX account if overdraft facility is connected to the account, the transaction interest rate of it + 6% p.a., if not, 26,9 % p.a. if overdraft facility is connected to the account, the transaction interest rate of it + 6% p.a., if not, 22,6 % p.a. V. Employer s product package service 1.) Annual fee of employer s product package service HUF 3,000,000 In case of Gold offer Free of charge In case of Platinum offer Campaign: free of charge until further notice Payment of commission, costs and fees in the account-keeping currency upon incurrence; the items marked with * are due monthly, on the last working day of the month, those marked with** are due quarterly, on the last working day of the quarter. Notes: (1) Currencies in which accounts are kept: USD, EUR, CHF, GBP, CAD, SEK, JPY, BGN, RUB, RON, HRK, RSD, AUD, CZK, PLN, NOK, TRY, CNY (in case of TRY and CNY currency trade is not possible) (2) Orders submitted via OTPdirekt Electra Terminal, the OTPdirekt service or any electronic data connection (3) An order is qualified as incorrect or incomplete if: the destination of the payment transaction is a country where client accounts are identified with IBAN (International Bank Account Number) and/or banks are identified with SWIFT BIC (SWIFT identifier), nevertheless the order fails to indicate either code or indicates ether code data erroneously or deficiently; the balance of payment legal code of transaction is not indicated or inaccurate. (4) The current member states of the EU are Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, he United Kingdom, Estonia, Finland, France, Greece, Holland, Ireland, Poland, Latvia, Lithuania, Luxembourg, Hungary, Malta, Germany, Italy, Portugal, Romania, Spain, Sweden, Slovakia and Slovenia. (5) The current member of OTP Bank Group Slovakia OTP Banka Slovensko A.S. Bulgaria Romania Croatia Serbia Russia Ukraine Montenegro DSK Bank EAD OTP Bank Romania S.A. OTP Banka Hvratska D.D OTP banka Srbija A.D. OJSC OTP Bank Russia JSC OTP Bank Ukraine Crnogorska Komercijalna Banka A.D, Podgorica (6) Orders submitted via the OTPdirekt service (7) Or its equivalent in other foreign currency (8) In respect of all other teller desk services, the Announcement on The fee items of the distribution of banknotes and coins shall prevail. (9) OTP Bank Nyrt. conducts domestic HUF L/C transactions with a transactional value of over HUF 500,000 charging the fees specified in points 8.2 and 8.4. (10) In the case of the Bank's risk assumption exceeding the fees, a risk assumption fee depending on the client s rating is charged. The guarantee fee is determined on a case basis, depending on the client s rating. (11) The Bank applies a case-based exchange rate over EUR 50,000. (12) In the case of foreign trade foreign exchange rates, the Bank applies a standard rate between EUR 50,000 and EUR 100,000 and a case-based rate over EUR 100,000. (13) The fee is set one year in advance, on the basis of the account turnover at OTP Bank Plc. (14) In case of FX and international HUF transfers, OTP Bank Plc. block an additional 0,5 % above the basic sum of the transaction in order to covering the costs and commissions of the transfer and the possible exchange risk. (15) Initiated orders, which have to be fulfilled for a client of a SEPA-member bank in EUR currency, contains the IBAN of the beneficiary and SWIFT BIC of it s bank, and there is no indication concerning undertake the third party bank costs. If the beneficiary s bank is not available in SEPA, if it is possible, the transaction up to EUR 50,000 is fulfilled in EBA STEP2 system debited by the same fee. If it is impossible, the bank fulfils the order as standard transfer charging with standard fees. (16) The fee of the TERRA account package, recommended for small-scale farmers and small agricultural businesses includes the account-keeping fee of one HUF bank account, the account-keeping fee of one HUF detached bank account and the monthly fee of the

8 OTPdirekt Internet service. Other fees, commissions and expenses shall be charged based on the amounts listed in this Announcement. (17) The fee of the KAPCSOLAT account package, recommended for medium enterprises includes the account-keeping fee of one KAPCSOLAT HUF bank account, the account-keeping fee of one KAPCSOLAT savings account and the software fee of the OTPdirekt Internet or Elektra service. In addition, the fee per item applying to intra-bank HUF transfers initiated electronically corresponds to the minimum fee set forth in point I.3.b. of this Announcement. The package furthermore contains one MasterCard Unembossed business card, the first annual fee of which is not charged by the Bank, and for a period of one year the commission on every second issuing or advising of a documentary credit, and the commission on every third prompt collection is borne by the Bank. Other fees, commissions and expenses shall be charged based on the amounts listed in this Announcement. (18) Existing or recently opened HUF and FX accounts can be involved into ELECTRA service package. Software usage of OTPdirekt Electra terminal and authentic electronic bank account statement is free of charge in this package. (19) Effective from: In accordance with the Business Regulation on Payment Services of OTP Bank Plc., based on separate agreement between the Customer and OTP Bank Plc., in case of orders with extended (HCT C2B) data content connecting to one-off transfers provided via OTPdirekt internet and Electra Terminal services in HUF to HUF account. (20) Pursuant to Act CXVI of 2012 on Financial Transaction Duty, transfers between own accounts shall be intra-bank transfers between the accounts of the same Account Holder, where the client initiating the transfer is identical to the recipient. Such operations include transfers between the Account Holder s sole trader account and private retail account (including retail accounts with multiple owners where one of the account owners is the sole trader). Transfers to loan accounts do not qualify as transfers between own accounts. In case of transactions where the Account Holder transfers money to its home pre-savings account held by OTP Lakástakarék Zrt, the fee applicable to intra-bank transactions between own accounts shall be applied. (21) The Bank charges a premium fee until at the latest. The Bank has the right to modify the fee payable from , based on the reasons stated in the general terms and conditions of Corporate Business Line, before (A) We kindly inform our Customers that regarding fees stipulated in current Public Announcement from 15 February 2014, - according to the points II.3.10.a., III.10.a., IV.15.a. of the Corporate Division Business Regulations - the Bank does not validate the automatic fee, commission and cost changes appropriate to the inflation rate announced by the Central Statistical Office. Fee, commission and cost changes that were not validated in 2014, will be charged next year cumulatively. VI. Exchange rates related to payments turnover 11 HUF account FOREX account FOREX account with conversion 1.) Transfers in HUF 1.1.) Intra-bank transactions Crediting FX selling rate Debiting FX purchasing rate 1.2.) Domestic inter-bank transactions Crediting FX selling rate b) Debiting FX purchasing rate 1.3.) International inter-bank transactions Crediting FX selling rate b) Debiting FX purchasing rate 2.) Transfers, documentary transactions, guarantees in FOREX 2.1.) Intra-bank transactions Crediting FX purchasing rate FX purchasing rate/fx selling rate Debiting FX selling rate FX purchasing rate/fx selling rate 2.2.) Domestic inter-bank transactions Crediting foreign trade FX purchasing rate 12 FX purchasing rate/fx selling rate Debiting foreign trade FX selling rate 12 FX purchasing rate/fx selling rate 2.3.) International inter-bank transactions Crediting foreign trade FX purchasing rate 12 FX purchasing rate/fx selling rate Debiting foreign trade FX selling rate 12 FX purchasing rate/fx selling rate 3.) Turnover due to FOREX-based cheques Crediting Cheque purchasing rate Cheque purchasing rate/fx selling rate Debiting Cheque selling rate FX buying rate/cheque selling rate 4.) Teller desk turnover 4.1.) HUF deposits and withdrawals Crediting FX selling rate Debiting Cheque purchasing 4.2.) Currency deposits and withdrawals Crediting purchase of currency Cheque purchasing/fx selling Debiting sale of currency FX purchasing/cheque selling

9 1. The above announced commissions apply to standard transactions only. Commissions on special transactions are subject to separate agreements. 2. Commissions are charged - in the currency in which the account is denominated; - on the basis of the foreign currency amount of the payment order; - upon execution of the order; - at effective OTP foreign-trade exchange rates 3. In addition to the above announced commissions charged by our bank, payments may be subject to third bank charges and additional fees (i.e. courier mail, DHL, TNT et payable by the customer. 4. Letters of credits and Documentary Collections are handled pursuant to The Uniform Customs and Practice for Documentary Credits in effect (ICC Publication) and The Uniform Rules for Collections in effect (ICC Publication) respectively, even if they are not stipulated by the Drawer/Applicant. 5. Imprecise and/or incomplete orders are kept on hold at the liability of the ordering customer until required details are duly provided. 6. Charges of unsettled payments returned by foreign banks are to be borne by the ordering customer. 7. Payment orders either paper-based or electronically initiated submitted until 14:00 are considered to be arrived on that certain banking day. Payments submitted after this time limit or beyond business hours, will be considered to be arrived on the next banking day. 8. Payments within the European Economic Area (EEA) The European Economic Area consists of the Member States of the EU as well as Norway, Liechtenstein and Iceland. The officially listed currencies of the EEA countries with OTP Bank Plc. are as follows: HUF (Hungarian forint), EUR (euro), BGN (Bulgarian lev), CZK (Czech koruna), DKK (Danish krone), CHF (Swiss franc - Liechtenstein), NOK (Norwegian krone), PLN (Polish zloty), RON (Romanian leu), SEK (Swedish krona), GBP (British pound). Electronically initiated payment orders are executed - from the point in time of receipt of the payment order by the payment service provider of the ordering customer till the point in time of crediting the amount of the transaction to the beneficiary s account - within 3 banking days at the latest. The execution of paper-initiated payment orders shall not be later than 4 banking days. In case of payments outside the EEA execution times are subject to payments processing rules adopted in the country of the beneficiary s payment service provider, which OTP Bank Plc. is unable to take liability for. 9. Priority payment orders are executed with value on the following banking day (D+1). 10. Priority EUR payment orders submitted until 12:00 (Euro express) are executed with same day value (D) in favour of the beneficiary bank. 11. Customers are required to give notice of priority payment orders in excess of 1 million USD, EUR, CHF or GBP one banking day prior to initiation of the transfer. International Banking Operations must be informed of the notification on. 12. In case of express transfers within OTP Group beneficiary s account shall be credited on the day of initiation of the payment. 13. In case of payments in excess of EUR standard one-off rates, while in case of payments in excess of EUR oneoff rates shall apply. 14. Upon receipt of foreign currency payment orders, funds are blocked at OTP FX (Foreign Exchange) sell rate in effect, increased by FX rate risk margin and commission. 15. Ordering customer accounts are debited on the day of execution of the payment order, at the effective OTP foreign trade FX sell rate. OTP Bank Plc. has two foreign trade FX rate quotations a day: the first at 12:00 noon, the second at 14:00. Application of either of the aforementioned rates depends on the time of submission of the payment order, pursuant to the bank s internal regulations. 16. The first OTP FX rate quoted on the day of execution is applied to documentary payments and payments that require further correspondence. 17. OTP Bank Plc. can only accept and execute payment orders compliant with its business policy. Publication: 15 February 2014 OTP BANK Plc.