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Reference Guide 2015 European banking, trading and settlement holidays Financial Institutions January 2015

Reference Guide 2015 This holiday guide contains information on European banking, trading and settlement holidays. Note: Only the major stock exchanges are considered in this guide. Specific stock exchange centers may well continue to be operating on the holidays indicated for general trading and settlement. Disclaimer This Reference Guide 2015 is for general information only and is subject to change. As such, the Reference Guide should not be relied upon or interpreted in any way as final, official or confirmed by the relevant regulatory authorities. No representation or warranty of any kind is made regarding the completeness or accuracy of the Reference Guide 2015, and no liability will be accepted by Commerzbank or any of its subsidiaries, affiliates, holding companies and related corporations in relation thereto. Commerzbank AG Commerzbank AG, Financial Institutions, 60261 Frankfurt am Main, Germany www.fi.commerzbank.com Financial Institutions January 2015 1

Index TARGET2 closing days 3 Latvia 36 Albania 4 Liechtenstein 37 Andorra 5 Lithuania 38 Austria 6 Luxembourg 39 Belarus 7 Macedonia 40 Belgium 8 Malta 41 Bosnia & Herzegovina 11 Moldova 42 Bulgaria 13 Monaco 43 Croatia 14 Montenegro 44 Cyprus 15 Netherlands 45 Czech Republic 16 Norway 48 Denmark 17 Poland 49 Estonia 18 Portugal 50 Faroe Islands 19 Romania 51 Finland 20 Russia 52 France 21 Serbia 54 Germany 22 Slovakia 55 Gibraltar 28 Slovenia 56 Greece 29 Spain 57 Hungary 30 Sweden 59 Iceland 31 Switzerland 60 Ireland 32 Ukraine 65 Italy 33 United Kingdom 66 Financial Institutions I January 2015 2

TARGET2 - EUR non-clearing days Long-term calendar for TARGET2 closing days The EURO-Payment System Target2 (Trans-European Automated Real-time Gross settlement Express Transfer) will be closed, in addition to Saturdays and Sundays, on the following days: January 1 New Year's Day X April 3 Good Friday X April 6 Easter Monday X May 1 Labour Day X December 25 Christmas Day X December 26 Christmas X Financial Institutions I January 2015 3

Albania: Tirana* ALL non-clearing days January 2 New Year's X X X March 14 Springs Day X X X March 22 Nevruz X X X April 5 Easter Sunday X X X April 12 Easter Sunday (Orthodox) X X X July 17 Last Day of Ramadan* X X X September 24 Sacrifice Day* X X X October 19 Beatification Day of Mother Teresa X X X November 28 Independence Day X X X November 29 Liberation Day X X X December 8 National Youth Day X X X December 25 Christmas Day X X X *Exchange: Tirana Stock Exchange Financial Institutions I January 2015 4

Andorra: Andorra-la-vella January 1 New Year's Day X n.a. n.a. January 6 Twelfth Night X n.a. n.a. February 16 Carnival X n.a. n.a. March 14 Constitution Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 4 Holy Saturday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. June 24 St. John Baptist X n.a. n.a. August 15 Assumption Day X n.a. n.a. September 8 Our Lady of Meritxell/National Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 24 Christmas Eve X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. December 31 New Year's Eve X n.a. n.a. Financial Institutions I January 2015 5

Austria: Vienna* January 6 Epiphany X X X April 3 Good Friday X X April 6 Easter Monday X X X May 14 Ascension Day X X X May 25 Whitmonday X X X June 4 Corpus Christi X X X August 15 Assumption Day X X X October 26 National X X X November 1 All Saints' Day X X X December 8 Immaculate Conception X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X *Exchange: Wienerborse - Main market Financial Institutions I January 2015 6

Belarus: Minsk* BYR non-clearing days January 2 Bridge 1 X X X January 7 Christmas (Orthodox) X X X March 8 International Women's Day X X X April 20 Bridge 2 X X X April 21 Radunitsa (Holy Trinity) X X X May 9 Victory Day & Mother's Day X X X July 3 Independence Day X X X November 7 October Revolution Day X X X December 25 Christmas (Catholic) X X X *Exchange: Belarusian Currency and Stock Exchange Financial Institutions I January 2015 7

Belgium: Antwerp January 1 New Year's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 15 Day after Ascension X n.a. n.a. May 25 Whitmonday X n.a. n.a. July 11 Flemish Community X n.a. n.a. July 21 National X n.a. n.a. August 15 Assumption Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. November 11 Armistice Day X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Day after Christmas X n.a. n.a. Financial Institutions I January 2015 8

Belgium: Brussels* April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 15 Day after Ascension X May 25 Whitmonday X July 21 National X August 15 Assumption Day X November 1 All Saints' Day X November 11 Armistice Day X December 25 Christmas Day X X X December 26 Day after Christmas X X X December 31 New Year's Eve X * Exchange: Euronext Brussels Financial Institutions I January 2015 9

Belgium: Namur January 1 New Year's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 15 Day after Ascension X n.a. n.a. May 25 Whitmonday X n.a. n.a. July 21 National X n.a. n.a. August 15 Assumption Day X n.a. n.a. September 27 French Community X n.a. n.a. November 1 All Saints' Day X n.a. n.a. November 11 Armistice Day X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Day after Christmas X n.a. n.a. Financial Institutions I January 2015 10

Bosnia and Herzegovina: Banja Luka* BAM non-clearing days January 2 New Year's X X X January 3 New Year's 3 X January 4 New Year's 4 X January 5 New Year's 5 X January 6 Orthodox Christmas X X January 9 Republic Day X X X April 10 Good Friday (Orthodox) X X April 13 Easter Monday (Orthodox) X X May 2 Labour Day X X X May 9 Day of Victory over Fascism X X X November 21 Signing of Peace Agreement X X X * Exchange: Banja Luka Stock Exchange Financial Institutions I January 2015 11

Bosnia and Herzegovina: Sarajevo* BAM non-clearing days January 2 New Year's X X X March 2 Independence Day OBS X X April 6 Easter Monday X X May 2 Labour Day X X X July 18 Bajram Ramadan X X September 24 Bajram Kurban X X November 25 Statehood Day X X December 25 Christmas X X * Exchange: Sarajevo Stock Exchange Financial Institutions I January 2015 12

Bulgaria: Sofia* BGN non-clearing days January 2 Bank 1 X X X March 2 Bank 2 X X X March 3 National Day X X X April 3 Good Friday X April 6 Easter Monday X April 10 Good Friday (Orthodox) X X X April 13 Easter Monday (Orthodox) X X X May 6 St. George Day X X X May 24 Day of Bulgarian Culture and Slavonic Script X X X September 6 Unification Day X X X September 21 Bank 3 X X X September 22 Independence Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 Bank 4 X X X *Exchange: Bulgarian Stock Exchange Financial Institutions I January 2015 13

Croatia: Zagreb* HRK non-clearing days January 6 Epiphany X X X April 3 Good Friday X April 6 Easter Monday X X X June 4 Corpus Christi X X X June 22 Antifascist Struggle Day X X X June 25 Statehood Day X X X August 5 Thanksgiving Day X X X August 15 Assumption Day X X X October 8 Independence Day X X X November 1 All Saints Day X X X December 24 Christmas Eve X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X * Exchange: Zagreb Stock Exchange Financial Institutions I January 2015 14

Cyprus: Nicosia* January 6 Epiphany X X X February 23 Shrove Monday (Orthodox) X X X March 25 Greek Independence Day X X X April 1 Cyprus National Day X X X April 3 Good Friday X X April 6 Easter Monday X X April 10 Good Friday (Orthodox) X X X April 13 Easter Monday (Orthodox) X X X April 14 Easter Tuesday (Orthodox) X X X June 1 Pentecost (Orthodox) X X X August 15 Assumption Day X X X October 1 Cyprus Independence Day X X X October 28 Greek National Day X X X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Boxing Day X X X * Exchange: Cyprus Stock Exchange Financial Institutions I January 2015 15

Czech Republic: Prague* CZK non-clearing days April 3 Good Friday X April 6 Easter Monday X X X May 8 Anniversary of Liberation X X X July 5 Day of Cyril and Metodej X X X July 6 Burning at the Stake of John Hus X X X September 28 Czech Statehood Day X X X October 28 National Day X X X November 17 Freedom and Democracy Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X * Exchange: Prague Stock Exchange Financial Institutions I January 2015 16

Denmark: Copenhagen* DKK non-clearing days April 2 Holy Thursday X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 1 General Prayer Day X X X May 14 Ascension Day X X X May 15 Day After Ascension X X X May 25 Whitmonday X X X June 5 Constitution Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X X * Exchange: OMX Nordic Exchange Copenhagen Financial Institutions I January 2015 17

Estonia: Tallinn* EEK non-clearing days February 24 Independence Day X X X April 3 Good Friday X X X April 6 Easter Monday X X May 1 May Day X X X May 14 Ascension Day X June 23 Victory Day/Midsummer's Eve X X X June 24 St. John's Day/Midsummer's Day X X X August 20 Restoration of Independence X X X December 24 Christmas Eve X X X December 25 Christmas X X X December 26 Boxing Day X X X December 31 New Year's Eve X * Exchange: NASDAQ OMX Tallinn Financial Institutions I January 2015 18

Faroe Islands: Torshavn January 1 New Year's Day X n.a. n.a. April 2 Holy Thursday X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 25 Flag Day X n.a. n.a. May 1 General Prayer Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. July 28 National Day X n.a. n.a. July 29 National X n.a. n.a. December 24 Christmas Eve X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. December 31 New Year's Eve X n.a. n.a. Financial Institutions I January 2015 19

Finland: Helsinki* January 6 Epiphany X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X X X June 19 Midsummer Eve X X X June 20 Midsummer Day X X X December 6 Independence Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X * Exchange: OMX Nordic Exchange Helsinki Financial Institutions I January 2015 20

France: Paris* April 3 Good Friday X X X April 6 Easter Monday X X X May 8 Armistice Day (1945) X May 14 Ascension Day X May 25 Whitmonday X July 14 Bastille Day X August 15 Assumption Day X November 1 All Saints' Day X November 11 Armistice Day (1918) X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X * Exchange: Euronext Paris Financial Institutions I January 2015 21

Germany: Cologne January 1 New Year's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. June 4 Corpus Christi X n.a. n.a. October 3 National Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 24 Christmas Eve X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. December 31 New Year's Eve X n.a. n.a. Financial Institutions I January 2015 22

Germany: Dusseldorf* April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X X June 4 Corpus Christi X October 3 National Day X November 1 All Saints' Day X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: Dusseldorf Stock Exchange Financial Institutions I January 2015 23

Germany: Frankfurt* April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X X June 4 Corpus Christi X October 3 National Day X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: German Deutscheboerse Financial Institutions I January 2015 24

Germany: Hamburg* April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X X October 3 National Day X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: Hamburg Stock Exchange Financial Institutions I January 2015 25

Germany: Munich* January 6 Epiphany X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X X June 4 Corpus Christi X August 15 Assumption Day X October 3 National Day X November 1 All Saints' Day X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X *Exchange: Munich Stock Exchange Financial Institutions I January 2015 26

Germany: Stuttgart* January 6 Epiphany X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X X June 4 Corpus Christi X October 3 National Day X November 1 All Saints' Day X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X *Exchange: Stuttgart Stock Exchange Financial Institutions I January 2015 27

Gibraltar: Gibraltar GIP non-clearing days January 1 New Year's Day X n.a. n.a. March 9 Commonwealth Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 27 Workers Memorial Day OBS X n.a. n.a. May 1 May Day X n.a. n.a. May 25 Spring Bank X n.a. n.a. June 15 Queen's Birthday X n.a. n.a. August 31 Late Summer Bank X n.a. n.a. September 10 National Day X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 28 Boxing Day OBS X n.a. n.a. Financial Institutions I January 2015 28

Greece: Athens* January 6 Epiphany X X X February 23 Shrove Monday (Orthodox) X X X March 25 National X X X April 3 Good Friday X X April 6 Easter Monday X X April 10 Good Friday (Orthodox) X X X April 13 Easter Monday (Orthodox) X X X June 1 Whitmonday (Orthodox) X X X August 15 Assumption Day X X X October 28 National Day X X X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X * Exchange: Athens Stock Exchange Financial Institutions I January 2015 29

Hungary: Budapest* HUF non-clearing days January 2 Bridge 1 X X X March 15 Anniversary of 1848 Revolution X X X April 3 Good Friday X X April 6 Easter Monday X X X May 25 Whitmonday X X X August 20 St. Stephen's Day X X X August 21 Bridge 2 X X X October 23 Anniversary of 1956 Revolution X X X November 1 All Saints' Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: Budapest Stock Exchange Financial Institutions I January 2015 30

Iceland: Reykjavik* ISK non-clearing days April 2 Maundy Thursday X X X April 3 Good Friday X X X April 6 Easter Monday X X X April 23 First Day of Summer OBS X X X May 14 Ascension Day X X X May 25 Whitmonday X X X June 17 National Day X X X August 3 Bank X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Boxing Day X X X December 31 New Year's Eve X * Exchange: OMX Nordic Exchange Iceland Financial Institutions I January 2015 31

Ireland: Dublin* March 17 St. Patrick's Day X April 3 Good Friday X X X April 6 Easter Monday X X X May 4 May Day X X X June 1 Summer X X August 3 Autumn X October 26 Halloween Day X December 25 Christmas Day X X X December 28 St. Stephen's Day OBS X X X December 29 Christmas OBS X * Exchange: Irish Stock Exchange Financial Institutions I January 2015 32

Italy: Milan* January 6 Epiphany X April 3 Good Friday X X April 6 Easter Monday X X X April 25 Liberation Day X June 2 Republic Day X August 15 Assumption Day X X X November 1 All Saints' Day X December 8 Immaculate Conception X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: Borsa Italia MTA (Equities) Financial Institutions I January 2015 33

Italy: Rome January 1 New Year's Day X n.a. n.a. January 6 Epiphany X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 25 Liberation Day X n.a. n.a. May 1 Labour Day X n.a. n.a. June 2 Republic Day X n.a. n.a. June 29 Sts. Peter & Paul X n.a. n.a. August 15 Assumption Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. Financial Institutions I January 2015 34

Italy: Turin January 1 New Year's Day X n.a. n.a. January 6 Epiphany X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 25 Liberation Day X n.a. n.a. May 1 Labour Day X n.a. n.a. June 2 Republic Day X n.a. n.a. August 15 Assumption Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. Financial Institutions I January 2015 35

Latvia: Riga* LVL non-clearing days January 2 Public 1 X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 4 Restoration of Independence Day X X X May 14 Ascension Day X June 22 Public 2 X X X June 23 Midsummer Eve X X X June 24 St. John's Day X X X November 18 Independence Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Boxing Day X X X December 31 New Year's Eve X X X * Exchange: NASDAQ OMX Riga Financial Institutions I January 2015 36

Liechtenstein: Vaduz For CHF non-clearing days, see Switzerland January 1 New Year's Day X n.a. n.a. January 2 St. Berchtold's Day X n.a. n.a. January 6 Epiphany X n.a. n.a. February 2 Candlemas X n.a. n.a. February 17 Shrove Tuesday X n.a. n.a. March 19 St. Joseph's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. June 4 Corpus Christi X n.a. n.a. August 15 Assumption/National Day X n.a. n.a. September 8 Nativity of Our Lady X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 24 Christmas Eve X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 St. Stephen's Day X n.a. n.a. December 31 New Year's Eve X n.a. n.a. Financial Institutions I January 2015 37

Lithuania: Vilnius* LTL non-clearing days January 1 New Year's Day X n.a. n.a. February 16 Independence Day X n.a. n.a. March 11 Restoration of Lithuania's Statehood X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. June 24 Jonines (St. John Day) X n.a. n.a. July 6 Day of Statehood X n.a. n.a. August 15 Assumption Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 24 Christmas Eve X n.a. n.a. December 25 Christmas X n.a. n.a. December 26 Boxing Day X n.a. n.a. *Exchange: NASDAQ OMX Vilnius Financial Institutions I January 2015 38

Luxembourg: Luxembourg* April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X May 25 Whitmonday X June 23 National X August 15 Assumption Day X November 1 All Saints' Day X X December 25 Christmas Day X X X December 26 Christmas X X X * Exchange: Luxembourg Stock Exchange Financial Institutions I January 2015 39

Macedonia FYROM: Skopje* MKD non-clearing days January 6 Christmas Eve (Orthodox) X X X January 7 Christmas (Orthodox) X X X January 19 Epiphany (Orthodox) X X X April 10 Good Friday (Orthodox) X X X April 13 Easter Monday (Orthodox) X X X May 25 Sts. Cyril and Methodius Day OBS X X X May 29 Friday before Duhovden (Orthodox Pentecost) X X X July 18 Ramazan Bajram X X X August 3 Ilinden (St. Elijah's Uprising) OBS X X X August 28 Dormition of the Virgin X X X September 8 Independence Day X X X October 12 People's Uprising Against Fascism OBS X X X October 23 Macedonian Revolutionary Struggle X X X December 8 St. Clement of Ohrid Day X X X December 31 New Year's Eve X * Exchange: Macedonian Stock Exchange Financial Institutions I January 2015 40

Malta: Valletta* January 2 New Year's X X February 10 Feast of St. Paul's Shipwreck X X X March 19 St. Joseph's Day X X X March 31 Freedom Day X X X April 3 Good Friday X X X April 6 Easter Monday X X X June 7 Commemoration of 1919 Uprising X X X June 29 Sts. Peter & Paul Day X X X August 15 Assumption Day X X X September 8 Our Lady of Victory Day X X X September 21 Independence Day X X X December 8 Immaculate Conception X X X December 13 Republic Day X X X December 24 Christmas Eve X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X * Exchange: Malta Borza Financial Institutions I January 2015 41

Moldova: Chisinau* MDL non-clearing days January 7 Orthodox Christmas X X X January 8 Orthodox Christmas X X X March 8 International Women's Day X X X April 13 Easter Monday (Orthodox) X X X April 20 Memorial Easter X X X May 9 Victory Day X X X August 27 National Day X X X August 31 Language Day X X X October 14 Chisinau City Day (Chisinau only) X X X * Exchange: Moldova Stock Exchange Financial Institutions I January 2015 42

Monaco: Monaco January 1 New Year's Day X n.a. n.a. January 27 Sainte-Devote Day X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 8 Victory Day X n.a. n.a. May 14 Ascension X n.a. n.a. May 21 (Fermeture Collective) X n.a. n.a. May 25 Whitmonday X n.a. n.a. June 4 Fete Dieu - Corpus Christi X n.a. n.a. July 14 French National Day X n.a. n.a. August 15 Assumption X n.a. n.a. September 3 Liberation of Monaco X n.a. n.a. November 2 All Saints' Day OBS X n.a. n.a. November 11 Armistice Day X n.a. n.a. November 19 Fete du Prince X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 24 Christmas Eve X n.a. n.a. Financial Institutions I January 2015 43

Montenegro: Podgorica* January 2 New Year's X X X January 3 New Year's 3 X X January 4 New Year's 4 X X January 5 New Year's 5 X X January 6 New Year's 6 X X January 7 Christmas X X April 10 Good Friday (Orthodox) X X April 13 Easter Monday (Orthodox) X X May 2 Labour Day X X X May 21 Independence Day X X X May 22 Independence Day X X X July 13 Montenegro National Day X X X July 14 Montenegro National Day X X X * Exchange: Montenegro Stock Exchange Financial Institutions I January 2015 44

Netherlands: Amsterdam* April 3 Good Friday X X X April 6 Easter Monday X X X April 27 King's Birthday X May 1 Labour Day X X May 5 Liberation Day X May 14 Ascension Day X May 25 Whitmonday X December 25 Christmas Day X X X December 26 Christmas X X X * Exchange: Euronext Amsterdam Financial Institutions I January 2015 45

Netherlands: Rotterdam January 1 New Year's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 27 King's Birthday X n.a. n.a. May 5 Liberation Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. Financial Institutions I January 2015 46

Netherlands: The Hague January 1 New Year's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. April 27 King's Birthday X n.a. n.a. May 5 Liberation Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. December 25 Christmas Day X n.a. n.a. December 26 Christmas X n.a. n.a. Financial Institutions I January 2015 47

Norway: Oslo* NOK non-clearing days April 2 Holy Thursday X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X X X May 17 Constitution Day X X X May 25 Whitmonday X X X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Boxing Day X X X December 31 New Year's Eve X X * Exchange: Oslo Bors Financial Institutions I January 2015 48

Poland: Warsaw* PLN non-clearing days January 6 Epiphany X X X April 3 Good Friday X X April 6 Easter Monday X X X May 1 State /Labour Day X X X May 3 Constitution Day X X X June 4 Corpus Christi X X X August 15 Assumption Day X X X November 1 All Saints' Day X X X November 11 Day of Independence X X X December 24 Christmas Eve X X December 25 Christmas Day X X X December 26 Christmas X X X December 31 New Year's Eve X X * Exchange: Warsaw Stock Exchange Financial Institutions I January 2015 49

Portugal: Lisbon* February 17 Carnival X April 3 Good Friday X X X April 6 Easter Monday X X April 25 Liberty Day X June 10 Portugal Day X June 13 St. Anthony's Day X August 15 Assumption Day X December 8 Immaculate Conception X December 24 Christmas Eve X December 25 Christmas Day X X X December 26 Christmas X X December 31 New Year's Eve X * Exchange: Euronext Lisbon Financial Institutions I January 2015 50

Romania: Bucharest* RON non-clearing days January 2 New Year's X X X April 13 Easter Monday (Orthodox) X X X June 1 Pentecost Monday (Orthodox) X X X August 15 Assumption Day X X X November 30 St. Andrew's Day X X X December 1 National X X X December 25 Christmas Day X X X December 26 Boxing Day X X X December 31 New Year's Eve X * Exchange: Bucharest Stock Exchange Financial Institutions I January 2015 51

Russian Federation: Moscow* RUB non-clearing days January 2 New Year's X X X January 3 New Year's 3 X X X January 4 New Year's 4 X X X January 5 New Year's 5 X January 6 New Year's 6 X January 7 Russian Orthodox Christmas X X X January 8 Public 1 X January 9 Public 2 X February 23 Defense of the Fatherland X X X March 9 International Women's Day OBS X X X May 1 International Labour Day X X X May 4 International Labour Day X X May 11 Victory Day OBS X X X June 12 Declaration of Russian Sovereignty X X X November 4 National Unity Day X X X December 31 New Year's Eve X X * Exchange: Russian System Financial Institutions I January 2015 52

Russian Federation: St. Petersburg* RUB non-clearing days January 1 New Year's Day X n.a. n.a. January 2 New Year's X n.a. n.a. January 3 New Year's 3 X n.a. n.a. January 4 New Year's 4 X n.a. n.a. January 5 New Year's 5 X n.a. n.a. January 6 New Year's 6 X n.a. n.a. January 7 Russian Orthodox Christmas X n.a. n.a. January 8 Public 1 X n.a. n.a. January 9 Public 2 X n.a. n.a. February 23 Defense of the Fatherland X n.a. n.a. March 9 International Women's Day OBS X n.a. n.a. May 1 International Labour Day X n.a. n.a. May 4 International Labour Day X n.a. n.a. May 11 Victory Day OBS X n.a. n.a. June 12 Declaration of Russian Sovereignty X n.a. n.a. November 4 National Unity Day X n.a. n.a. * Exchange: St. Petersburg Stock Exchange Financial Institutions I January 2015 53

Serbia: Belgrade* RSD non-clearing days January 2 New Year's X X X January 7 Christmas X X X February 16 Serbian National Day OBS X X X February 17 Serbian National Day OBS X X X April 10 Good Friday (Orthodox) X X X April 13 Easter Monday (Orthodox) X X X May 2 Labour Day X X X November 11 Armistice Day X X X * Exchange: Belgrade Stock Exchange Financial Institutions I January 2015 54

Slovakia: Bratislava* January 1 Founding of Slovak Republic X X X January 6 Epiphany X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 8 V-E Day X X X July 5 Sts. Cyril and Methodius Day X X X August 29 Anniversary of Slovak National Uprising X X X September 1 Constitution Day X X X September 15 Our Lady of Sorrows X X X November 1 All Saints' Day X X X November 17 Freedom and Democracy Day X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Boxing Day X X X * Exchange: Bratislava Stock Exchange Financial Institutions I January 2015 55

Slovenia: Ljubljana* February 8 Slovenian Culture Day X X X April 3 Good Friday X X April 6 Easter Monday X X X April 27 Resistance Day X X X May 2 Labour Day X X X June 25 National Day X X X August 15 Assumption Day X X X October 31 Reformation Day X X X November 1 All Saints' Day X X X December 24 Christmas X December 25 Christmas Day X X X December 26 Independence Day X X X December 31 New Year's Eve X * Exchange: Ljubljana Stock Exchange Financial Institutions I January 2015 56

Spain: Barcelona* January 6 Epiphany X April 3 Good Friday X X X April 6 Easter Monday X X X June 1 Local X June 24 San Juan X August 15 Assumption Day X September 11 Cataluna National Day X September 24 La Merce X October 12 Hispanity Day X November 1 All Saints' Day X December 6 Constitution Day X December 8 Immaculate Conception X December 25 Christmas Day X X X December 26 St. Steven's Day X X X * Exchange: Barcelona Stock Exchange Financial Institutions I January 2015 57

Spain: Madrid* January 6 Epiphany X March 19 San Jose/Santiago X April 2 Holy Thursday X April 3 Good Friday X X X April 6 Easter Monday X X May 2 Independence Day X May 15 San Isidro Day X June 4 Corpus Christi X August 15 Assumption Day X October 12 Hispanity Day X November 1 All Saints' Day X November 9 Our Lady of Almudena X December 6 Constitution Day X December 8 Immaculate Conception X December 25 Christmas Day X X X December 26 Christmas X X * Exchange: Madrid Stock Exchange Financial Institutions I January 2015 58

Sweden: Stockholm* SEK non-clearing days January 6 Epiphany X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X X X June 6 National Day X X X June 19 Midsummer Eve X X X December 24 Christmas Eve X X X December 25 Christmas Day X X X December 26 Boxing Day X X X December 31 New Year's Eve X X X * Exchange: OMX Nordic Exchange Stockholm Financial Institutions I January 2015 59

Switzerland: Basle CHF non-clearing days January 1 New Year's Day X n.a. n.a. January 2 Berchtoldstag X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. August 1 National Day X n.a. n.a. December 25 Christmas X n.a. n.a. December 26 St. Stephen's Day X n.a. n.a. Financial Institutions I January 2015 60

Switzerland: Berne* CHF non-clearing days January 2 Berchtoldstag X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 1 Labour Day X X May 14 Ascension Day X X X May 25 Whitmonday X X X August 1 National Day X X X December 24 Christmas Eve X December 25 Christmas X X X December 26 St. Stephen's Day X X X December 31 New Year's Eve X * Exchange: Berne Stock Exchange Financial Institutions I January 2015 61

Switzerland: Geneva CHF non-clearing days January 1 New Year's Day X n.a. n.a. January 2 Berchtoldstag X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. August 1 National Day X n.a. n.a. September 10 Geneva Local X n.a. n.a. December 25 Christmas X n.a. n.a. December 26 St. Stephen's Day X n.a. n.a. December 31 New Year's Eve X n.a. n.a. Financial Institutions I January 2015 62

Switzerland: Lugano CHF non-clearing days January 1 New Year's Day X n.a. n.a. January 6 Epiphany X n.a. n.a. March 19 St. Joseph's Day X n.a. n.a. April 3 Good Friday X n.a. n.a. April 6 Easter Monday X n.a. n.a. May 1 Labour Day X n.a. n.a. May 14 Ascension Day X n.a. n.a. May 25 Whitmonday X n.a. n.a. June 4 Corpus Christi X n.a. n.a. June 29 Sts. Peter and Paul X n.a. n.a. August 1 National Day X n.a. n.a. August 15 Assumption Day X n.a. n.a. November 1 All Saints' Day X n.a. n.a. December 8 Immaculate Conception X n.a. n.a. December 25 Christmas X n.a. n.a. December 26 St. Stephen's Day X n.a. n.a. Financial Institutions I January 2015 63

Switzerland: Zurich* CHF non-clearing days January 2 Berchtoldstag X X X April 3 Good Friday X X X April 6 Easter Monday X X X May 14 Ascension Day X X X May 25 Whitmonday X X X August 1 National Day X X X December 24 Christmas Eve X December 25 Christmas X X X December 26 St. Stephen's Day X X X December 31 New Year's Eve X * Exchange: SIX Swiss Exchange Financial Institutions I January 2015 64

Ukraine: Kiev* UAH non-clearing days January 2 New Year's X X X January 7 Christmas Day (Orthodox) X X X March 9 International Women's Day OBS X X X April 13 Easter Monday (Orthodox) X X X May 4 Labour Day OBS X X X May 11 Victory Day OBS X X X June 1 Trinity Day (Orthodox) X X X June 29 Constitution Day OBS X X X August 24 Independence Day X X X * Exchange: PFTS First Securities System Financial Institutions I January 2015 65

United Kingdom: London* GBP non-clearing days April 3 Good Friday X X X April 6 Easter Monday X X X May 4 Early May Bank X X X May 25 Late May Bank X X X August 31 Summer Bank X X X December 25 Christmas X X X December 28 Boxing Day OBS X X X * Exchange: London Stock Exchange Financial Institutions I January 2015 66

Financial Institutions www.fi.commerzbank.com Commerzbank AG Head Office Kaiserplatz Frankfurt am Main Postal Address 60261 Frankfurt am Main Financial Institutions January 2015