Premium Banking Kondiciok En

Raiffeisen Bank Zrt. 1054 Budapest, Akadémia utca 6. • Raiffeisen Direkt: (06-40) 48-48-48

C a p i t a l C o u r t a s R e g i s t r y C o u r t • T r a d e r e g i s t e r n u m b e r : 0 1 - 1 0 - 0 4 1 0 4 2

Premium Banking Terms and Conditions Effective from 15th December 2011 until withdrawn

1. GENERAL TERMS AND CONDITIONS 2

1.1 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO CONCLUDED A SUPPLEMENTARY AGREEMENT

PRIOR TO 6TH JULY 2010 2

1.2 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO HAVE SIGNED A SUPPLEMENTARY CONTRACT

OR A SUPPLEMENTARY CONTRACT AMENDMENT SINCE 6TH JULY 2010 2

1.3 GENERAL TERMS AND CONDITIONS APPLICABLE TO CUSTOMERS WHO HAVE SIGNED A SUPPLEMENTARY CONTRACT

OR A SUPPLEMENTARY CONTRACT AMENDMENT SINCE 30TH AUGUST 2010 3

1.4. OTHER PROVISIONS 5

2. AVAILABLE BANK ACCOUNT FACILITIES AND BANK CARDS 6

3. INTEREST ON THE RAIFFEISEN FORINT BANK ACCOUNT IN THE CASE OF THE PREMIUM/PREMIUM GOLD ACCOUNT

PACKAGE 7

4. THE EBKM VALUE OF THE BANK ACCOUNT INTEREST AS ASSIGNED IN THE EFFECTIVE GOVERNMENT DECREE 8

5. RAIFFEISEN FORINT BANK ACCOUNT FEES AND COMMISSIONS 9

5.1. PREMIUM GOLD ACCOUNT PACKAGE 9

5.2. PREMIUM ACCOUNT PACKAGE 10

5.3 SWITCHING BETWEEN ACCOUNT PACKAGES WHILE MAINTAINING PREMIUM BANKING MEMBERSHIP 11

6. MOBILE BANKING SERVICE 12

7. BANK CARDS, CLEVERCARDS, AND CREDIT CARDS 13

8. LOANS 16

8.1. RAIFFEISEN PREMIUM HOME LOAN 16

8.2. RAIFFEISEN PREMIUM PERSONAL LOAN WITH REAL ESTATE COLLATERAL 16

8.3. RAIFFEISEN PREMIUM „EGYETLEN LOAN” - CONSOLIDATION LOAN FOR HOME MORTGAGE AND PERSONAL LOAN

WITH REAL ESTATE COLLATERAL 16

8.4. RAIFFEISEN PREMIUM HOME PROTECTION LOAN 17

8.5. RAIFFEISEN PERSONAL LOAN 18

8.6. PREMIUM BANK ACCOUNT LOAN 18

9. FIXED DEPOSITS 20

9.1. FIXED-TERM FORINT DEPOSIT 20

9.2. FIXED-TERM FOREIGN CURRENCY DEPOSIT 23

10. INVESTMENT SERVICES 27

10.1. INVESTMENT NOTES OF RAIFFEISEN INVESTMENT FUNDS-HUNGARY AND RAIFFEISEN CAPITAL MANAGEMENT 27

10.2. INVESTMENT NOTES UNITS OF INDEPENDENT FUND MANAGERS 27

10.3. SECURITIES DEPOSIT ACCOUNT MANAGEMENT 29

10.4. LONG-TERM INVESTMENT SECURITIES ACCOUNT 29

11. RAIFFEISEN REGULAR INVESTMENT 31

12. SAVINGS PROGRAM 32

13. FINANCIAL PLANNING 34

14. OTHER CONDITIONS, PARTNER DISCOUNTS 35



1. General Terms and Conditions

1.1 General Terms and Conditions applicable to customers who concluded a Supplementary Agreement prior to 6th July 2010

In order to maintain Raiffeisen Premium Banking status without the payment of any supplementary account keeping fee, one of the following

conditions must be satisfied:

In respect of the last working day of the given calendar quarter

• in the past quarter of a year a minimum monthly amount of HUF 350,000 has been credited on average to the Customer's bank account

from outside the Bank or from a third party,

• the aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million*,

• the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan

granted by Raiffeisen Bank is at least HUF 15 million – calculated at the exchange rate effective at the time of disbursement – the

Customer's outstanding debt is a total of at least HUF 5 million – calculated at the effective exchange rate – and none of the Customer's

loans have been more than 30 days overdue for the past 12 months.

* When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed

deposits – in the case of foreign currency, converted into forint at the FX mid-rate effective on the given day – and the aggregate, effectively

available closing balance of the securities account managed by Raiffeisen Bank.

The Supplementary Account keeping fee for the Raiffeisen Premium Banking service is not charged if the preconditions for use are fulfilled;

otherwise, the fee is HUF 7,500/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium

Banking Service.

1.2 General Terms and Conditions applicable to customers who have signed a Supplementary Contract or a Supplementary Contract amendment since 6th July 2010

The General Terms and Conditions differ depending on whether the customer requests a Premium or a Premium Gold Account Package. Other

product conditions over and beyond the special terms and conditions of the Premium and Premium Gold Account Packages are the same

regardless of which of the two account packages is used.

1.2.1 General Terms and Conditions applicable to the Premium Account Package

The Raiffeisen Premium service may be used in conjunction with the Premium Account Package without a Supplementary Account Fee, if one of the

following conditions is fulfilled:

• Transfer, to the credit of the Customer’s bank account, during the month examined, from outside the Bank or from a third party, and in

one lump sum, of a total amount of HUF 280,000 or the equivalent thereof in another currency quoted by the Bank. The period

examined when debiting the fee for the month concerned: the period extending from the 27th day of the month preceding the month

concerned to the last day of the month concerned.

• The aggregate balance of the Customer's savings at Raiffeisen Bank is at least HUF 8 million on last working day of the month.

• the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan

granted by Raiffeisen Bank is at least HUF 15 million – calculated at the exchange rate effective at the time of disbursement – and the

Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none of the

Customer's loans have been more than 30 days overdue during the past 12 months.

The Supplementary Account Fee for the Raiffeisen Premium Banking service is not charged if, in addition to the maintenance of a Premium Account

Package, at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,500/month/Customer (regardless of the number of the

Premium Account Packages maintained), which is charged as set out in the agreement entitled Contract Supplement for the Provision of the

Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged. If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the

Premium Gold Account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking

Service, by the 5th working day preceding the last working day of the given month.



If, on the day of the verification, the Customer has any debts that have been overdue for more than 30 days, then the

Customer shall be obliged to pay, in relation to the maintenance of the Premium Account Package, a Supplementary

Account keeping fee, regardless of whether all the other conditions are fulfilled.

1.2.2 General Terms and Conditions applicable to the Premium Gold Account Package

The Raiffeisen Premium Banking Service may be used in conjunction with the Premium Gold Account Package without a monthly account keeping

fee, if one of the following conditions is fulfilled:

• Transfer, to the credit of the Customer’s bank account, in the month examined, from outside the Bank or from a third party, and in one

lump sum, of a total amount of HUF 280,000 or the equivalent thereof in another currency. The period examined when debiting the fee

for the month concerned: the period extending from the 27th day of the month preceding the month concerned to the last day of the

month concerned.


• The total value of the disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by

Raiffeisen Bank is at least HUF 18 million after the grace period defined in Contract Supplement for the Provision of the Premium

Banking Service on the day of verifying Membership conditions – calculated at the exchange rate effective on the day of verifying.

Henceforth the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none

of the Customer's loans have been more than 30 days overdue during the past 12 months before verifying conditions.

The monthly account keeping fee for the Premium Gold Account Package service is not charged if at least one of the preconditions for use is

fulfilled; otherwise, the fee is HUF 7,800/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the

Premium Banking Service.

If a Premium Gold Account Package is maintained, the Supplementary account keeping fee is not charged.

If, on the day of the verification, the Customer has any debts overdue for more than 30 days, then the Customer shall be obliged to pay, in relation

to the maintenance of the Premium Gold Account Package, an Account keeping fee, regardless of whether or not the other conditions are fulfilled.

If the Premium Banking membership is cancelled, the customer does not have to pay, in the given month, the Account keeping fee related to the

Premium Gold account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking

service, by the 5th working day preceding the last working day of the given month.

1.2.3 Common rules applicable regardless of the type of the account package

When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed


available closing balance of the securities account managed by Raiffeisen Bank at the time of the verification. 1.3 General Terms and Conditions applicable to customers who have signed a Supplementary Contract or a Supplementary Contract amendment since 30th August 2010

The General Terms and Conditions differ depending on whether the customer requests a Premium or a Premium Gold Account Package. Other

product conditions exceeding the special conditions of the Premium and Premium Gold Account Packages are identical if both account packages

are used.

1.3.1 General Terms and Conditions applicable to the Premium Account Package

The Raiffeisen Premium Banking service may be used in conjunction with the Premium Account Package without a Supplementary account keeping


• Transfer, to the credit of the Customer’s bank account, during the month examined, from outside of the Bank, of a total amount of HUF

280,000 in one lump sum or the equivalent thereof in another currency registered by the Bank, or from inside of the Bank from a legal

person or a company without legal personality or a sole trader. of a total amount of HUF 280,000 in one lump sum or the equivalent

thereof in another currency registered by the Bank. The period examined when debiting the fee for the month concerned: the period

extending from the 27th day of the month preceding the month concerned to the last day of the month concerned.




• the total value of the original disbursed loan amount of the Customer's home loan, multi-purpose mortgage

loan, or personal loan granted by Raiffeisen Bank is at least HUF 15 million – calculated at the exchange rate

effective at the time of disbursement – and the Customer's outstanding debt is a total of at least HUF 5 million

calculated at the latest effective exchange rate, and none of the Customer's loans have been more than 30

days overdue during the past 12 months.

The Supplementary Account keeping fee for the Raiffeisen Premium Banking service is not charged if, in addition to the maintenance of a Premium

Account Package, at least one of the preconditions for use is fulfilled; otherwise, the fee is HUF 7,500/month/Customer (regardless of the number

of the Premium Account Packages maintained), which is charged as set out in the agreement entitled Contract Supplement for the Provision of the

Premium Banking Service. If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged.


Premium Gold account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking


If, on the day of the verification, the Customer has any debts overdue for more than 30 days, then the Customer shall be obliged to pay, in relation

to the maintenance of the Premium Account Package, a Supplementary Account keeping fee, regardless of whether or not the other conditions are

fulfilled.

1.3.2 General Terms and Conditions applicable to the Premium Gold Account Package

The Raiffeisen Premium Banking service may be used in conjunction with the Premium Gold Account Package without a monthly account keeping


• Transfer, to the credit of the Customer’s bank account, during the month examined, from outside of the Bank, from a legal person or a

company without legal personality or a sole trader, and in one lump sum, of a total amount of HUF 280,000 or the equivalent thereof in

another currency. The period examined when debiting the fee for the month concerned: the period extending from the 27th day of the

month preceding the month concerned to the last day of the month concerned.


• The total value of the disbursed loan amount of the Customer's home loan, multi-purpose mortgage loan, or personal loan granted by

Raiffeisen Bank is at least HUF 18 million after the grace period defined in Contract Supplement for the Provision of the Premium

Banking Service on the day of verifying Membership conditions – calculated at the exchange rate effective on the day of verifying.

Henceforth the Customer's outstanding debt is a total of at least HUF 5 million calculated at the latest effective exchange rate, and none

of the Customer's loans have been more than 30 days overdue during the past 12 months before verifying conditions.

The account keeping fee for the Premium Gold Account Package service is not charged if at least one of the preconditions for use is fulfilled;

otherwise, the fee is HUF 7,800/month, which is charged as set out in the agreement entitled Contract Supplement for the Provision of the Premium

Banking Service.

If a Premium Gold Account Package is maintained, the Supplementary Account keeping fee is not charged.

If, on the day of the verification, the Customer has any debts that have been overdue for more than 30 days, then the Customer shall be obliged to

pay, in relation to the maintenance of the Premium Gold Account Package, an Account keeping fee, regardless of whether or not the other

conditions are fulfilled.


Premium Gold Account, if the customer personally reports his intention to cancel the account at the branch that provides the Premium Banking


1.3.3 Common rules applied regardless of the type of the account package

When calculating the aggregate savings balance, the Bank takes into consideration the following: balance of Raiffeisen current accounts, fixed


available closing balance of the securities account managed by Raiffeisen Bank at the time of the verification.



1.4. Other provisions

In the cases not regulated in these Terms and Conditions, the fees, commissions and conditions specified in the effective

Retail Terms and Conditions shall be charged and applied to specific products, including promotion products.

The Bank may decide, without notifying the customer in advance, not to debit the supplementary account keeping fee.

The Bank has no obligation to conclude a contract, even if the customer complies with the conditions stipulated in these Terms and Conditions.



2. Available bank account facilities and bank cards

Raiffeisen Premium and Premium Gold Account Package: forint bank account with bank card and electronic

channel discounts.

The Premium Banking service is available to customers who have concluded a contract prior to 6 July 2010 in conjunction with any Raiffeisen retail

bank account/bank account package.

The Premium Banking service is available to customers who have concluded a contract since 6 July 2010 in conjunction with the Premium Account

Package or the Premium Gold Account Package. If another account is opened or maintained alongside the Premium or Premium Gold Account

Package, a Premium Account Package or any other retail account package may be selected. Bank cards available with the Raiffeisen Premium Banking service:

• Premium CLEVERcard • Premium VISA GOLD bank card • Premium Oxigén GOLD credit card

The above bank, CLEVER and credit cards can be requested by customers who concluded a contract prior to 6 July 2010, even if the Customer does not have a Raiffeisen Premium Account Package. The terms applicable to bank cards, CLEVERcards and credit cards associated with the Premium Banking service are contained in Section 7 of these Terms and Conditions.



3. Interest on the Raiffeisen forint bank account in the case of the Premium/Premium Gold Account

Package

In respect of the Yield Increaser service, the interest rates specified in the table apply only to amounts that are temporarily not invested in the investment fund. Tiered interest Annual interest rate EBKM1

Interest on unauthorised

overdrafts HUF 0 – 1,000,000 0.10% 0.10% Between HUF 1,000,001 and 5,000,000 0.10% 0.10% Above HUF 5,000,000 0.10% 0.10%

26.50%*

* 13,50% of the penalty rate will be remitted between 29 August and 30 November 2011. The period of penalty rate remittance is extended until

31.12.2011.

With respect to amounts falling within the upper and lower limits of a given band, the Bank always pays interest in accordance with the interest rate that has been announced in respect of the given band. With regard to the interest paid on Raiffeisen retail bank accounts, the provisions of the latest terms and conditions for Raiffeisen bank account electronic services apply.

1 EBKM: Annual Effective Rate



4. The EBKM value of the Bank Account interest as assigned in the effective Government decree The EBKM values appearing next to the bank account interest rates are - assuming quarterly interest payments - calculated on the basis of the following formula:

n(k+bv)i

1+r x (ti /365)

i=1

Σ=Disposed term deposit

where n:, number of interest payments r: the value of EBKM

ti: the number remaining days from the day of the deposit allocation until the ith payment

(k+bv)i: the sum of the paid interest and the repayment of deposit amount paid on the ith payment

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5. Raiffeisen forint bank account fees and commissions

5.1. Premium Gold Account Package

Premium Gold Account Package If the conditions detailed in section 1.2.2 of these Terms and Conditions are fulfilled.

HUF 0/month Account keeping fee2

If the conditions detailed in section 1.2.2 of these Terms and Conditions are not fulfilled.

HUF 7,800/month

Crediting of items received in forint Transfers received from banks free of charge Transfers arriving by post Costs charged by the Hungarian Post Balance transfers between the Customer’s accounts at the Bank free of charge One-off transfer in forint2

intra-bank 0.25%, min. HUF 310 max. HUF 6,250

At the branch

bank-to-bank 0.30%, min. HUF 310 max. HUF 6,250

intra-bank Free of charge

Via Raiffeisen Direkt bank-to-bank Free of charge

intra-bank Free of charge

Via Raiffeisen DirektNet bank-to-bank Free of charge

Standing order At the branch Free of charge

Via Raiffeisen Direkt Via Raiffeisen DirektNet Free of charge

Utility fee collection (direct debit order) At the branch Free of charge

Via Raiffeisen Direkt Via Raiffeisen DirektNet Free of charge

Switching to Premium Gold Account Package Free of charge Switching from Premium Gold Account Package to Premium Account Package in the framework of the Premium Banking service

Free of charge Switching account

packages2 Switching from Premium Gold Account Package to Retail Account Package if the Premium Banking service is cancelled

Free of charge

Cancelling a one-off transfer or standing order, suspending of direct debit order for a fixed term Free of charge

Yield Increaser service2 HUF 730/month

Instructions for the event of death (order, amendment) Free of charge

2 Indexation: the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

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5.2. Premium Account Package

Premium Account Package Account keeping fee3 HUF 1,780 /month/account

Supplementary Account keeping fee (this may be charged in the cases set out in section 1.2.1 of these Terms and Conditions) HUF 7,500/month Crediting of items received in forint Transfers received from banks free of charge Transfers arriving by post Costs charged by the Hungarian Post Balance transfers between the Customer’s accounts at the Bank free of charge One-off forint transfer2

intra-bank 0.25%, min. HUF 310 max. HUF 6,250

At the branch

bank-to-bank 0.30%, min. HUF 310 max. HUF 6,250

intra-bank free of charge

Via Raiffeisen Direkt bank-to-bank free of charge

intra-bank free of charge

Via Raiffeisen DirektNet bank-to-bank free of charge

Standing order At the branch free of charge

Via Raiffeisen Direkt Via Raiffeisen DirektNet free of charge

Utility fee collection (direct debit order) At the branch free of charge

Via Raiffeisen Direkt Via Raiffeisen DirektNet free of charge

Switching to Premium Account Package free of charge Switching from Premium Account Package to Retail Account Package in the framework of the Premium Banking service

HUF 2,095 Switching

account

packages2 Switching from Premium Account Package to Retail Account Package if the Premium Banking service is cancelled

free of charge

Cancelling a one-off transfer or standing order, suspending of direct debit order for a fixed term free of charge

Yield Increaser service3 HUF 415/month

Instructions for the event of death (order, amendment) Free of charge

Fees and commissions are debited from the bank account on the day of the transaction, while the monthly account keeping fee is debited on the last bank working day of the month. In respect of Retail Account Packages, the fees and commissions specified in the effective Retail Terms and Conditions apply.

3Indexation: the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

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5.3 Switching between account packages while maintaining Premium Banking membership

5.3.1 From a Premium Account Package to a Premium Gold Account Package

The Bank resets the account package within 5 working days after the Customer has submitted his request for switching account packages.

After the new package has been set, the terms and conditions related to the maintenance of the Premium Gold Account Package will be

applied.

5.3.2 From a Premium Gold Account Package to a Premium Account Package

The Bank resets the account package between the 1st and the 5th day of the month following the submission of the Customer’s request. The

terms and conditions applicable in respect of the Premium Gold Account will be applied in the month of submission of the request.

5.3.3 Switching in the case of accounts that are in addition to the obligatory Premium or Premium Gold Account Package

When switching between a Premium Account Package maintained together with the obligatory Premium or Premium Gold Account

Package or other retail account packages, the latest effective terms and conditions for Raiffeisen bank accounts and electronic services are

applied.

In respect of Retail Account Packages, the fees and commissions specified in the effective terms and conditions for the Raiffeisen bank

account electronic services apply.

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6. Mobile Banking service

Mobile Banking fee package content

Mobile Banking Cardinfo Mobile Banking Accountinfo Bank card transaction Cash withdrawal in Hungary/abroad X - Purchase in Hungary/abroad X -

Bank account activity Crediting to bank account - X Debiting from bank account - X Interactive text message transactions Card limit enquiry X - Balance enquiry - X Normally, the identification data at the end of messages is the name of the Raiffeisen account/Raiffeisen bank card. Customers may request identification data for the Mobile Banking service that are different from this default setting.

Service fees in respect of the Premium Account Package and the Premium Gold Account Package

Monthly fee free of charge free of charge

Request, amendment, suspension, reactivation or termination of service free of charge free of charge Automatic text message (bank card transactions, bank account activity) free of charge free of charge Interactive text message transactions2 ((one-off enquiries: account balance, card limits)

HUF 20/successful enquiry

HUF 20/successful enquiry

In respect of Retail Account Packages, the fees and commissions specified in the effective terms and conditions for Raiffeisen bank accounts

and electronic services apply. The Mobile Banking CARDINFO and the Mobile Banking ACCOUNTINFO is available if at least one automatic text message is requested. The maximum limit per type of notification is HUF 10,000, and in the case of foreign-currency accounts USD 50, CHF 50, EUR 35 or 35 GBP. In respect of card transactions the limit can only be specified in forint. The monthly and message fees (per type of message) are debited from the bank account on the last bank working day of the month. The settlement period for message fees starts on the last working day of the month prior to the month concerned and ends on the calendar day prior to the last working day of the month concerned. More information about transaction types that fall within the category of notifications is available at www.raiffeisen.hu.

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7. Bank Cards, CLEVERcards, and Credit Cards

The conditions pertaining to bank cards, CLEVERcards and credit cards that can be requested and/or used within

the framework of the Premium Banking service: Premium Gold Account Package Premium Account

Package Retail Account Packages

Annual fee4

Premium Start CLEVERcard5

Free of charge5

New card requested after 1. June 2011 is free of charge only in the first year. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Start CLEVERcard. If customer fulfills purchase transactions in amount of 500,000 HUF with main and additional cards connected to the account in the previous year before charging annual card fee, the bank is not charging actual card fee. The annual card fee is debited from the Customer’s bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

Free of charge6

The annual fee determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Start CLEVERcard, depending on the account package HUF 2.180 – 4.360

Premium Versatile CLEVERcard5

Free of charge5

New card requested after 1. June 2011 is free of charge only in the first year. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard. If customer fulfills purchase transactions in amount of 500,000 HUF with main and additional cards connected to the credit card account in the previous year before charging annual card fee, the bank is not charging actual card fee. Does not count as a new card request if Premium Start CLEVERcard requested before 1. June 2011 is requested to upgrade to Premium Versatile CLEVERcard after 1. June 2011. The annual card fee is debited from the Customer’s bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

THM in the first year: 38.3% THM from the second year: 41.5%

Free of charge6

THM: 49.3%

The annual fee determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard

6.555 Ft THM: 41.5%

4 Indexation the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types. 5 The annual fees of additional card(s) are the same as the annual fees of cards associated with Retail Account Packages. From this point of view, the CLEVERcard without a credit limit corresponds to the embossed Start CLEVERcard, the Premium CLEVERcard with a credit limit corresponds to the embossed Versatile CLEVERcard and the Premium VISA Gold bank card corresponds to the VISA Gold bank card.

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Premium VISA Gold bank card5

HUF 8,390

HUF 8,390

Identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the VISA Gold bank card.

HUF 15.295 Premium Oxigén Gold credit card

As determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the Oxigen Gold Credit Card.

HUF 15.295 THM: 46%

CLEVERcard6,7

From 21th June 2011 can not be claimed

From 21th June 2011 can not be

claimed

As determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions, depending on the account package HUF 815 – 4.360 THM: 40.7-41.5%

VISA Classic and MasterCard Standard7



claimed

As determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions, depending on the account package HUF 2.180 – 4.360

VISA Classic and MasterCard Standard7



claimed

As determined in the Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions. HUF 15.295

The THM was determined in accordance with the current conditions and the legal provisions in force and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The definition of the THM refers to a HUF 375,000 purchase limit and a 1 year term. The annual percentage rate valid for the amount of the final purchase limit approved on the basis of the individual contract – which may differ from the values indicated in these Terms and Conditions – is included in the Bank’s written notice, which is part of the individual contract. The settlement period taken into account in the calculation of the THM is the period between the 25th day of each month and the 25th day of the next month. If the limit date is not a bank working day, then the bank working day immediately preceding such date shall be taken into account in calculating the settlement period. The value of the THM does not reflect the interest risk of the loan. The annual percentage rate is calculated on the basis of the following formula:

Where: H: the loan amount, less the costs related to the drawdown of the loan Ak: the amount of the kth repayment instalment m: is the number of repayment instalments, tk: the time of the kth repayment expressed in years or part-years i: value of the THM

6 Including non-embossed or embossed, standard of Special Image Design, Versatile cards with a credit limit or Start CLEVERcards without a credit limit. 7 For a Premium Account Package, no new VISA Classic card, MasterCard Standard card, embossed and non-embossed Start CLEVERcard, embossed and non-embossed Versatile CLEVERcard, VISA Gold card can be requested, but the card associated with the customer’s previous account package may be kept.

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Number of domestic HUF ATM and/or post office transactions available free of charge per month and per card, and the cash withdrawal fees8 Premium Gold Account

Package, Forint cash withdrawal

from ATM

Premium Account Package, Forint cash withdrawal

from ATM Retail Account Packages

Premium CLEVERcard (main card and additional card) Premium VISA Gold Deposit bank card (main card and additional card) Raiffeisen CLEVERcard (main card and additional card) VISA Classic and MasterCard Standard (main card and additional card) VISA Gold (main card and additional card)

From a Raiffeisen ATM: in an unlimited number,

free of charge

From other ATMs: HUF 395/transaction

4 transactions/month from any ATM free of charge,

above this limit as determined in the effective Raiffeisen CLEVERcard, Bank/Credit card and

Shopping Card Terms and Conditions for the

Everyday Account Package (HUF 270)

As determined in the Raiffeisen CLEVERcard, Bank/Credit Card and

Shopping Card Terms and Conditions.

Other conditions

Credit limit setting fee – if switching from Premium Start CLEVERcard to Premium Versatile CLEVERcard.

Free of charge Free of charge

As determined in the Raiffeisen CLEVERcard, Bank/Credit Card and

Shopping Card Terms and Conditions. HUF 2,730

Receipt of Premium card at the branch Free of charge Free of charge Free of charge

Foreign travel insurance

Annual fee for Premium bank/credit cards in a Premium Account Package

Free of charge9

Annual fee for Premium Start CLEVERcard and Versatile CLEVER Card in Premium Gold Account Package

Free of charge9 Travel insurance requested after 1. June 2011 is free of charge only in the first year, for main and additional cards. From the second year the debited fee is identical to the fee determined in the effective Raiffeisen CLEVERcard, Bank-, and Credit Card Terms and Conditions regarding the embossed Versatile CLEVERcard. In case of the Premium Gold Account Package and Premium CLEVERcard the annual insurance fee is debited from the Customer’s bank account when due. The Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank working day of the month following the due date.

8 Indexation the Bank calculates the fees specified in these Terms and Conditions on the basis of the annual average consumer price index published by the Central Statistics Office in respect of the previous calendar year. The fee or rate is modified (indexed) automatically on 1 March of each year in accordance with the average consumer price index pertaining to the previous calendar year. The Bank announces any changes in the fees in these Terms and Conditions no later than on 1 March of each year. When adjusting the fees the Bank, based on the general rules of rounding, rounds forint amounts to whole numbers, and euro amounts to two decimal places. The Bank reserves the right not to index the fees, on one or more occasions, in respect of certain customer groups and/or service types.

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8. Loans 8.1. Raiffeisen Premium Home Loan Discounts offered for Premium customers: - Public notary document fee: Bank after loan disturbement posteriorly refunds the public notary document fee paid for the public notary, maximum HUF 40.000. Prerequisite of the refund is that the customer needs to present the invoice to the Bank about the public notary document fee paid for the public notary exhibited to customer’s name. Refund will be realised after loan disturbement, at latest on the second week’s last working day after presenting the invoice. - Appraisal fee: free of charge - Ownership documentation request fee (TAKARNET): Electronic title deed query needed for loan application is free of charge. Electronic title deed query fee is refunded (end of distraint) by the Bank after loan disturbement, at latest on the second week’s last working day on customer’s account. - Mortgage registration fee: free of charge In case of Raiffeisen Premium Home Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customer’s own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtor’s account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. Proof of income is needed for application of Raiffeisen Premium Home Loan. THM: 10,90% For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,01%. For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 8.2. Raiffeisen Premium Personal Loan with Real Estate Collateral Discounts offered for Premium customers: - Public notary document fee: Bank after loan disturbement posteriorly refunds the public notary document fee paid for the public notary, maximum HUF 40.000. Prerequisite of the refund is that the customer needs to present the invoice to the Bank about the public notary document fee paid for the public notary exhibited to customer’s name. Refund will be realised after loan disturbement, at latest on the second week’s last working day after presenting the invoice. - Appraisal fee: free of charge - Ownership documentation request fee (TAKARNET): Electronic title deed query needed for loan application is free of charge. Electronic title deed query fee is refunded (end of distraint) by the Bank after loan disturbement, at latest on the second week’s last working day on customer’s account. - Mortgage registration fee: free of charge In case of Raiffeisen Premium Personal Loan with Real Estate Collateral for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customer’s own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtor’s account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. Proof of income is needed for application of Raiffeisen Premium Personal Loan with Real Estate Collateral. THM: 12,11% For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM:13,13%. For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 8.3. Raiffeisen Premium „Egyetlen loan” - consolidation loan for Home Mortgage and Personal Loan with Real Estate Collateral Bank offers for Premium Banking customers 0,50% interest discount from the interest specified in the effective Terms and Conditions for Loans I., or in its successor. In case of Egyetlen Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customer’s own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtor’s account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month.

17



If the customer’s Premium membership terminates, the conditions of the effective List of Conditions for Loans I., or its successor, regarding Raiffeisen Egyetlen Loan will be applied to the conditions of Raiffeisen Premium Egyetlen Loan from the next interest rate period. Proof of income is needed for application of Raiffeisen Premium „Egyetlen loan”. THM: 11,51% (in case of consolidaton loan for Home Loan) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 11,62 % (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,46% (in case of consolidaton loan for Home Loan) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 THM: 12,57% (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 8.4. Raiffeisen Premium Home Protection Loan Bank offers for Premium Banking customers 0,50% interest discount from the interest specified in the effective Terms and Conditions for Loans I., or in its successor. In case of Home Protection Loan for Raiffeisen Premium customers, from the second month after the loan disbursement the debtor must fulfill a monthly incoming transfer of at least HUF 280,000 (not including cash deposits and transactions between the customer’s own accounts), which amount includes the paid due monthly installments as well. In case of not fulfilling the monthly credit obligation the Bank charges the fee specified in the effective Terms and Conditions for Loans I., or in its successor, currently HUF 5000 to the debtor’s account. The expected monthly incoming transfer is examined between the 25th of the month and the 25th of the next month. If the customer’s Premium membership terminates, the conditions of the effective List of Conditions for Loans I., or its successor, regarding Raiffeisen Home Protection Loan will be applied to the conditions of Raiffeisen Premium Home Protection Loan from the next interest rate period. Proof of income is needed for application of Raiffeisen Premium Home Protection Loan. THM: 11,51% (in case of consolidaton loan for Home Loan) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 11,62 % (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved between 03.10.2011 and 01.12.2011 and disbursed until 30.12.2011, and for loan applications recieved before that period, but disbursed between 18.11.2011 and 30.12.2011 THM: 12,46% (in case of consolidaton loan for Home Loan) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 THM: 12,57% (in case of consolidation loan for Personal Loan with Real Estate Collateral) For loan applications recieved from 02.12.2011 and disbursed latest until 30.12.2011 The THM was determined in accordance with the current conditions and the legal provisions in force and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The value of the THM does not reflect the interest risk of the loan. The THM was calculated for all home loan and personal loan with real estate collateral 5.000.000 HUF amount, 20 years tenor and equable settlement period. There is no need to open an account with account keeping fee for loan contracting. The THM was determined in accordance with the HUF payments and exchange rates effective on the first working day of the month preceding the current quarter. Effective exchange rates: FX buy rate 263,54 HUF/EUR, FX sell rate 269,94 HUF/EUR. Credit evaluation fee is debited only in case of positive evaluation, approved loan. THM value calculated in this Condition List aims for orientation of customers. Exchange rates: In case of prepayment of foreign currency based loan, disbursed in HUF – apart from the due monthly installments – the Bank uses the exhange rate effective on the day of the payment (booking) for the conversion of the amount credited in HUF. Home loan/ reconstruction

18



loan will be converted at the FX mid-rate determined by the Bank, other loans will be converted at FX sell rate. Effective rates are available on the homepage of the Bank under the following menu: www.raiffeisen.hu - Aktuális/Árfolyamok/Lakossági ügyfeleink részére 8.5. Raiffeisen Personal Loan 50% discount on the standard loan appraisal fee specified in the effective Terms and Conditions for Loans. If the effective discount on the loan appraisal fee advertised in the effective Retail Terms and Conditions for standard customers reaches or exceeds the discount specified in these Terms and Conditions, Premium customers who apply for loans are also entitled to the loan appraisal fee discount specified in the effective Retail Terms and Conditions. Conditons valid for Personal Loans disbursed form 17.11.2011. until 01.01.2012.

THM Ranking category 200 000 HUF

-1 000 000 HUF 1 000 000 HUF -5 000 000 HUF

A1 23,6% 23,6%

A2 28,0% 28,0%

A3 29,9% 29,9%

The THM was determined in accordance with the current conditions and the legal provisions in force, and monthly free of charge Premium Gold account package, and its value may change if the conditions change. The exact THM is included in the individual loan contracts, may can differ from THM in Condition List.. Regarding to the valid rules for the amounts form 200.000 HUF to 1.000.000 HUF the value of THM is calculated for 500.000 HUF amount and 3 years tenor. For the amounts above 1.000.000 HUF the value of THM is calculated for 3.000.000 HUF amount and 5 years tenor. Conditions described in 8.1 - 8.4 points are valid for new loan application since 7th October 2011. Customer has to have a signed Premium Supplemetary Contract when applying for loan. In case customer’s Premium Banking status has been changed in case of loans described in 8.1 – 8.4 points in twelve months time since loan disbursement, Bank is entitled to encumber on customer’s account fees described in Mortgage loan contract supplementary in one sum. All other terms are valid in accordance with the latest effective terms and conditions for Loans and Unsecured Loans. 8.6. Premium Bank Account Loan Bank Account Loan conditions valid from 8th August 2011 until 5th September 2011. Products Forint-

based interest rate

Management fee THM in the case of a Premium

Gold Account Package

THM in the case of a

Premium Account Package

Term Credit limit

Overdraft facility (without collateral) With monthly interest rollover 19.02%

p.a.

Free of charge in the first year of the use

The annual overdraft

credit fee is debited from the Customer’s bank

account when due. The

: 29.2% 36.9% Open-ended HUF

60,000 – HUF

1,000,000

19



Bank assures the exemption from charges by crediting the annual fee subsequently by no later than the 5th bank

working day of the month following the due date.

Bank Account Loan conditions valid from 6th September 2011 until withdrawn. Products Forint-

based interest rate

Management fee THM in the case of a Premium

Gold Account Package

THM in the case of a

Premium Account Package

Term Credit limit

Overdraft facility (without collateral) With monthly interest rollover

20,00% p.a.

Free of charge in the first year of the use,

2,00% from the second year

The annual overdraft credit fee is debited from the Customer’s bank

account when due. The Bank assures the

exemption from charges by crediting the annual fee subsequently by no later than the 5th bank

working day of the month following the due date.

30,3% 38,00% Open-ended HUF

70,000 – HUF

1,000,000

The terms of the product are valid in the case of a new Premium Overdraft Facility. All other terms are valid in accordance with the latest effective terms and conditions for Unsecured Loans. Maximum credit limit that may be applied for on the first occasion: HUF 750,000. Using available overdraft facility until HUF 3.000 the Bank does not charge interest rate. In case of transgression of overdraft facility limit the Bank will use standard interest rates for the interest-free amount to the period of trabsgression of overdraft facility limit. The THM was determined in accordance with the latest terms and the legal provisions in force, and its value may change if the conditions change. The definition of the THM refers to a HUF 375,000 purchase limit and a 3-month term. The THM value related to the specific offer is determined in the individual contract, which differs (may differ) from the above value. The value of the THM does not reflect the interest risk of the loan. The annual percentage rate is calculated on the basis of the following formula:

Where: H: the loan amount, less the costs related to the drawdown of the loan Ak: the amount of the kth repayment instalment m: the number of repayment instalments tk: the time of the kth repayment expressed in years or part-years i: value of the THM

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9. Fixed deposits

9.1. Fixed-term forint deposit The terms and conditions applicable to deposits that can be fixed on the Raiffeisen Long-term Investment Deposit Account are set out in the effective Raiffeisen Long-term Investment Deposit Account Terms and Conditions. For Premium customers, the management of the Raiffeisen Long-term Investment Deposit Account is free of charge. 9.1.1. Premium fixed-term forint deposit The conditions in the table below apply to new deposit-fixing orders issued after 6 April 2011, until withdrawn. 1 month 2 months 3 months 6 months 9 months 12 months

Limit Annual interst

/AER Annual interst

/AER Annual interst

/AER Annual interst

/AER Annual interst

/AER Annual interst

/AER HUF 100.000 – 499.999 2,20% 2,30% 2,50% 3,00% 2,20% 3,00% HUF 500.000 – 1.199.999

2,70% 2,80% 3,00% 3,50% 2,70% 3,50%

HUF 1.200.000 – 2.399.999

2,80% 2,90% 3,10% 3,60% 2,80% 3,60%

HUF 2.400.000 – 4.999.999

2,90% 3,00% 3,20% 3,70% 2,90% 3,70%

HUF 5.000.000 – 19.999.999

3,00% 3,10% 3,30% 3,80% 3,00% 3,80%

From HUF 20.000.000 3,10% 3,20% 3,40% 3,90% 3,10% 3,90% In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Fixed HUF Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions. 9.1.2. Premium Indexed Fixed Deposit The conditions in the table below apply to new deposit-fixing orders issued after 2 November 2009, until withdrawn.

1 week 2 weeks Limit Annual interest /AER Annual interest /AER HUF 500,000–1,999,999 1 week BUBOR – 3.25% 2 week BUBOR – 3.00% HUF 2,000,000 – 4,999,999 1 week BUBOR – 2.75% 2 week BUBOR – 2.50% From HUF 5,000,000 1 week BUBOR – 2.50% 2 week BUBOR – 2.25% When opening the fixed deposit, we take into consideration the BUBOR values registered on the second working day prior to the day of opening the fixed deposit as specified in the Hungarian National Bank's “Official BUBOR fixings” table. In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Indexed Fixed Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions. 9.1.3. Individual deposits The Bank may set deposit interest rates under individual (customised) terms.

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9.1.4. Raiffeisen Trust Time Deposit The promotional offer is valid for 3-month and 6-month tenor time deposits opened after 15 December,

2011 until withdrawal. 3 months 6 months Összeghatár Annual rate/ EBKM Non promotional EBKM Annual rate/ EBKM Non promotional EBKM HUF 200.000 – 499.999 2.50% 3.00%

HUF 500.000 – 1.199.999 3.00% 3.50%

HUF 1.200.000 – 2.399.999 3.10% 3.60%

HUF 2.400.000 – 4.999.999 3.20% 3.70%

HUF 5.000.000 – 19.999.999 3.30% 3.80%

From HUF 20.000.000

6.50%

3.40%

7.00%

3.90%

The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 3-month and 6-months tenor time deposit’s annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Trust Time Deposit can be required for all HUF Raiffeisen Account Packages. The Raiffeisen Trust Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. 9.1.5. Raiffeisen Active Time Deposit The promotional offer is valid for 6-month tenor time deposits opened after 15th December, 2011 until withdrawal. The Raiffeisen Active Time Deposit promotional interest rate will be set, if our customer pledges to fulfill entirely all the following conditions: Starting from the month after the date of depositing, at least in four consecutive months:

a) there is regular monthly incoming transfer of minimum 120,000 HUF from non Raiffeisen Bank source to the customer’s HUF current account held with Raiffeisen Bank in maximum two amounts. The required credit cannot be fulfilled through cash deposit in branches.

b) monthly at least 4 transactions – ad hoc payment orders*, standing payment orders, direct debits, cash withdrawal or purchase with her/his Raiffeisen bank- or/and creditcard** – initiated by the customer are fulfilled.

6 months

Interest tiers Annual rate / EBKM Non promotional

EBKM HUF 200.000 – 499.999 3.00% HUF 500.000 – 1.199.999 3.50% HUF 1,200.000 – 2.399.999 3.60% HUF 2,400.000 – 4.999.999 3.70% HUF 5.000.000 – 19.999.999 3.80% HUF 20.000.000 –

7.50%

3.90% Each month only the irrevocable debited and credited transactions are considered when examining the fulfilment of the conditions. If our client possesses more than one Raiffeisen Active Time Deposit during the promotional period in a month, and pledged to fulfill the above mentioned conditions, in case of fulfilling the conditions concerning one term deposit, it means the conditions are fulfilled for all the other promotional term deposits. The promotional offer is only valid for the first period of the time deposit. In case of automatically renewing time deposits after the first interest period the interest rates will be set according to 6-month tenor time deposit’s annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Active Time Deposit can be required for all HUF Raiffeisen Account Packages, except Raiffeisen Base Account Package. The promotional interest rate can be achieved if the Client does not change down to Raiffeisen Base Account Package during the term of time deposit.

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If the client does not fulfill the conditions of Raiffeisen Active Time Deposit, the Bank has the right to set posterior - at least on the working day before the time deposit expires /rolls over - the interest rate of the Raiffeisen Active Time Deposit according to the actual 6 months time deposit’s interest rates, mentioned in the 9.1.1. point of the actual List of Conditions. The Raiffeisen Active Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. * In-Bank transfers between the customer’s own accounts are not taken into consideration. ** Irrevocable debited transactions are considered which are initiated by the client’s bank and/or credit cards or supplementary cards linked to the client’s accounts. Paying postal check or other services by credit-/bankcard at the post offices is considered as cash withdrawal. 9.1.6. Raiffeisen Ideal Time Deposit The promotional offer is valid for 6 and 12-month tenor time deposits opened after 15th December, 2011 until withdrawal. In Raiffeisen Ideal Time Deposit exclusively fresh money - derived from non Raiffeisen Bank source according to the closing balance available on 28th October, 2011* - can be deposited. 6 months 12 months For fresh money Interest tiers Annual rate / EBKM Non promotional EBKM Annual rate / EBKM Non promotional EBKM HUF 200,000 – 499,999 3,00% 3,00%

HUF 500,000 – 1,199,999 3,50% 3,50%

HUF 1,200,000 – 2,399,999 3,60% 3,60%

HUF 2,400,000 – 4,999,999 3,70% 3,70%

HUF 5,000,000 – 19,999,999 3,80% 3,80%

HUF 20,000,000 – 50,000,000

8,00%

3,90%

8,00%

3,90%

The maximum amount can be deposited in Raiffeisen Ideal Time Deposit is the difference of the sum balance of savings available when the order is given, and the sum closing balance of savings available on 28th October 2011 but at least HUF 200,000, and maximum HUF 50,000,000. The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6 and 12-month tenor time deposit’s annual rates mentioned point 9.1.1. of the actual List of Conditions. The Raiffeisen Ideal Time Deposit can be required for all HUF Raiffeisen Account Packages, except Raiffeisen Base Account Package. The promotional interest rate can be achieved if the Client does not change down to Raiffeisen Base Account Package during the term of time deposit. The smallest amount is HUF 200,000, and the maximum amount is HUF 50,000,000 which can be deposited in the promotion per customer. The Raiffeisen Ideal Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt.

*According to the closing balance available on 28th October, 2011. of customer’s bank account, time deposits and the value of the securities account. In case of deposits in foreign currencies the balance is calculated with the actual foreign currency/HUF midrate valid on 28th October, 2011.

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9.2. Fixed-term foreign currency deposit 9.2.1. Premium fixed-term foreign-currency deposit The conditions in the tables below apply to new deposit-fixing orders issued after 3rd October 2011, until withdrawn. Currency: EUR 1 month 3 months 6 months 12 months

Limit Annual interest/AER Annual interest/AER Annual interest/AER Annual interest/AER EUR 1,000 – 9,999 0.20% 0.30% 1,00% 1,00% EUR 10,000 – 49,999 0.25% 0.35% 1,05% 1,05% EUR 50,000 – 74,999 0.70% 0.80% 1,50% 1,50% From EUR 75,000 0.80% 0.90% 1,60% 1,60% Currency: USD 1 month 3 months 6 months 12 months

Limit Annual interest/AER Annual interest/AER Annual interest/AER Annual interest/AER USD 1,000- 9.999 0.10% 0.15% 0.30% 0.60% USD 10,000 – 49,999 0.10% 0.15% 0.30% 0.60% USD 50,000 – 99,999 0.10% 0.15% 0.30% 0.60% From 100,000 0.20% 0.25% 0.40% 0.70% Currency: GBP 1 month 3 months 6 months 12 months

Limit Annual interest/AER Annual interest/AER Annual interest/AER Annual interest/AER GBP 700 – 6,999 0.15% 0.25% 0.50% 0.70% GBP 7,000 – 34,999 0.20% 0.30% 0.55% 0.75% GBP 35,000 – 69,999 0.25% 0.35% 0.60% 0.80% From GBP 70,000 0.45% 0.55% 0.80% 1.00% In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the Premium Indexed Fixed Deposit interest rate indicated in the effective Raiffeisen Premium Banking Terms and Conditions. 9.2.2. Promotional EUR Time Deposit The promotional offer is valid for 6 and 12-month tenor time deposits opened after 15th November, 2011. The promotional offer is valid until withdrawal. Foreign currency: EUR

6 months 12 months

Interest tiers Annual rate/ EBKM Non promotional EBKM Annual rate/ EBKM Non promotional EBKM EUR 1 000- 9 999 1,00% 1.00%

EUR 10 000 – 49 999 1,05% 1.05%

EUR 50 000 – 74 999 1,50% 1.50%

EUR 75 000 –

3.50%

1,60%

4.00%

1,60%

The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6 and 12-month tenor time deposit’s annual rates mentioned point 9.2.1. of the actual List of Conditions. The non promotional EBKM value is valid for automatically renewing non-capitalized time deposits. For EBKM calculations the actual 6 and 12-month tenor time deposit’s annual rates mentioned in 9.2.1. point of the actual List of Conditions have been used. The Fresh Money Promotional EUR Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. 9.2.3. Raiffeisen Euro Time Deposit – FOR FRESH MONEY The promotional offer is valid for 6-month tenor time deposits opened after 1st December, 2011 until withdrawal. In Raiffeisen Euro Time Deposit exclusively fresh money - derived from non Raiffeisen Bank source according to the closing balance available on 28th October, 2011* - can be deposited.

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Foreign currency: EUR 6 months Interest tiers Annual rate/ EBKM Non promotional EBKM EUR 1 000- 9 999 1,00%

EUR 10 000 – 49 999 1,05%

EUR 50 000 – 74 999 1,50%

EUR 75 000 – 200 000

4,00%

1,60%

The maximum amount can be deposited in Raiffeisen Euro Time Deposit is the difference of the sum balance of savings available when the order is given, and the sum closing balance of savings available on 28th October, 2011, but at least EUR 1 000, and maximum EUR 200 000. In case our Client had / has only EUR savings on the certain dates mentioned above, then the sum of the increment is calculated in EUR, otherwise in HUF. The maximum deposited amount can be the increment calculated in HUF which is changed to euro on the actual EUR/HUF midrate at the time of opening the time deposit. In case of currency conversion the maximum deposited amount may differ from the one calculated before because of the actual currency buying/selling rates and other inccuring costs. The promotional offer is only valid for automatically renewing time deposits, for the first period of the time deposit. After the first interest period the interest rates will be set according to 6-month tenor time deposit’s annual rates mentioned point 9.2.1. of the actual List of Conditions. *According to the closing balance available on 28th October, 2011 of customer’s bank account, time deposits and the value of the securities account. In case of deposits in foreign currencies we calculate with the actual foreign currency/HUF midrate valid on 28th

October, 2011. The Raiffeisen Euro Time Deposit can be required in Raiffeisen Branches and via Raiffeisen Direkt. 9.2.4. Promotional 6-Month Premium USD Fixed Deposit The discount offer applies, until withdrawn, to new deposit-fixing orders issued after 13th May 2010. The interest rates available during the period of the promotion: Currency: USD 6 months Limit Annual interest/Promotional AER Non-promotional AER USD 1,000 – 9,999 0.70% 0.30%

USD 10,000 – 49,999 0.30%

EUR 50.000 – USD 99,999 0.30%

From USD 100,000

0.90%

0.40%

In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the 6-month USD deposit interest rate indicated in section 10.2.1 of the effective Premium Banking Terms and Conditions. The fixed deposits described in sections 10.1 and 10.2 of these Terms and Conditions are available only at Raiffeisen bank branches and via Raiffeisen Direkt. If the Premium Banking service is used, all the fixed deposits published in the Retail Terms and Conditions are available. In the case of orders submitted via Raiffeisen Direct and at the branch, the Bank accepts deposit-fixing orders received until 16.00 hours for immediate execution. Deposit-fixing orders given via Raiffeisen DirektNet on a bank working day are executed on the same day up until closing time of the day concerned, and deposit-fixing orders given after the end-of-day close or on weekends/bank holidays are executed on the next bank working day. The precise value date of execution of an order given via DirektNet after 17.00 hours, which depends on the closing time of the day concerned, is confirmed to you by DirektNet at the time the deposit is opened. The interest rate is fixed throughout the term of the deposit. These Terms and Conditions indicate the interest before the deduction of interest tax. In cases that are not regulated in these Terms and Conditions, the provisions of the effective Retail Terms and Conditions shall apply.

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9.2.5. Raiffeisen Mix Combined Premium Euro Deposit 50% of the Raiffeisen Mix Combined Premium Euro Deposit consists of a 6-month promotional euro fixed deposit and the other 50% is made up of investment fund units of the following investment funds: Investment funds of Aberdeen Asset Management (Hungary): Aberdeen European Fund of Property Funds, Credit Suisse Inflation-Linked Bond, Aberdeen Global – European Equity, Aberdeen Global – World Equity, Aberdeen Global – Emerging Markets Investment fund units of Allianz Fund Management (Hungary): Allianz European Equity Growth, Allianz BRIC, Allianz China Investment fund units of BNP Paribas Fund Management (Hungary): Parvest World Agriculture Investment fund units of Franklin Templeton Investments (Hungary): Templeton Global Bond, Templeton BRIC, Templeton Global Total Return, Templeton Asian Growth, Templeton Eastern Europe Equity Investment funds of ING Fund Management (Hungary): ING (L) Renta Fund EMD Hard Currency, ING (L) Invest Global High Dividend, Equity Fund of Funds EUR, ING (L) Renta Fund Global High Yield, ING (L) Invest Prestige & Luxe, ING Invest Latin-America EUR, ING Invest Greater China EUR, ING Global Opportunities EUR, ING (L) Prestige and Lux Investment fund units of Raiffeisen Investment Fund Management (Hungary): Raiffeisen Perspektíva EUR Fund, Raiffeisen Private Banking Duna Fund of Funds, Raiffeisen Private Banking Rajna Fund of Funds Investment funds of Raiffeisen Capital Management: Raiffeisen Absolute Yield Balanced Global Fund of Funds, Raiffeisen Eurasia Equity Fund, Raiffeisen Infrastructure Equity Fund, Raiffeisen Emerging Markets Equity Fund, Raiffeisen Energy Equity Fund, Raiffeisen Europa Equity Fund, Raiffeisen Europa SmallCap Fund, Raiffeisen EUR Short Term Bond, Raiffeisen EuroPlus Bond Fund, Raiffeisen EUR Corporate Bond Fund, Raiffeisen Global Fundamental Equity Fund, Raiffeisen Global Mix Fund, Raiffeisen Global Bond Fund, Raiffeisen Global Equity Fund, Raiffeisen Healthcare Equity Fund, Raiffeisen Easter Europe Bond Fund, Raiffeisen Eastern Europe Equity Fund, Raiffeisen Pacific Rim Equity Fund, Raiffeisen Russia Equity Fund, Raiffeisen Top Dividend Equity Fund, Raiffeisen Top Selection Guaranteed Investment Fund, Raiffeisen US Equity Fund, Raiffeisen European High Yield Bond Fund, Raiffeisen Emerging Market Bond Fund, Raiffeisen Active Commodities Fund. The investment fund units purchased within the Raiffeisen Mix Combined Premium Euro Deposit can be selected in a ratio decided on by the Customer. The offer regarding the promotional fixed deposit portion of the Raiffeisen Mix Combined Premium Euro Deposit is valid for new 3-month deposit-fixing orders given from 15 November 2011. In order to request a Raiffeisen Mix Combined Premium Euro Deposit, the Customer must purchase investment fund units in the value of at least EUR 1,000, then, on the same bank working day, he must give an express order, of an amount equal to the amount spent on purchasing the investment fund units, regarding the fixing of the promotional deposit portion of the Raiffeisen Mix Combined Premium Euro Deposit. The Customer is only entitled to the promotional fixed deposit interest if he does not redeem the investment fund units purchased as part of the Raiffeisen Mix Combined Premium Euro Deposit during the term of the fixed deposit. Elements of the Raiffeisen Mix Combined Deposit:

RAIFFEISEN MIX COMBINED PREMIUM EURO DEPOSIT PROMOTIONAL FIXED DEPOSIT

50% of the Raiffeisen Mix Combined Premium Euro Deposit INVESTMENT FUNDS

50% of the Raiffeisen Mix Combined Premium Euro Deposit

Limit Futamidı Annual

interest/AER

Non-promotional

AER Limit Investment fund units

EUR 1,000 – 9,999 0.30% EUR 1,000 – 9,999 EUR 10,000 – 49,999 0.40% EUR 10,000 – 49,999 EUR 50,000 – 74,999 0.80% EUR 50,000 – 74,999 EUR 75,000 –

3

months 3.50% 0.90% EUR 75,000 –

All the investment fund

units indicated in the Retail

and Premium terms and

conditions, denominated in

EUR* The promotional offer is valid for the first period of the fixing. In the case of automatically renewed deposit-fixing orders, after the first period the deposit will bear interest on the basis of the benchmark interest rate applicable to 3-month deposits indicated in the latest effective section 10.2.1 of the effective Premium Banking Terms and Conditions. The yield of the Investment Funds, constituting the other component of the offer, may vary according to the return on the investment instruments contained in the Funds. The historic yield of the Funds does not constitute any guarantee for the future yield. The risk levels, interest and availability of the investment and deposit portions of the Raiffeisen Mix Combined Premium Euro Deposit are different.

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The latest conditions related to the Funds and indicated in this offer are set out in the effective Investment Products Retail Terms and Conditions and the Premium Banking Terms and Conditions. If any of the conditions of the Raiffeisen Mix Combined Premium Euro Deposit are not fulfilled, then, by not later than the bank working day preceding the expiry/rollover date of the deposit fixed as part of the promotion, the Bank may subsequently adjust the interest on the fixed deposit to the interest rate corresponding to the benchmark interest rate applicable to the 6-month deposit announced in the latest effective section 10.2.1 of these Terms and Conditions. The Raiffeisen Mix Combined Euro Deposit is only available at Raiffeisen Bank branches. * Except for the Raiffeisen Euro Liquidity Fund. 9.2.6. Individual deposits The Bank may set deposit interest rates under individual (customised) terms.

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10. Investment services

10.1. Investment notes of Raiffeisen Investment Funds-Hungary and Raiffeisen Capital Management If the Premium Banking service is used, all investment fund units that are regulated in the Investment Products Terms and Conditions are available. The conditions of the Raiffeisen Fund Manager investment fund units are identical to the conditions defined in the effective Investment Product Terms and Conditions. 10.2. Investment notes units of independent fund managers As part of the Premium Banking service, in addition to the available funds regulated in the effective Investment Products Terms and Conditions, the products of the following fund managers are also available: Investment fund units of Aegon Fund Management (Hungary) ISIN code Name

Currency Sales

commission

Redemption commission

Execution of purchase orders

Execution of redemption

orders

HU0000702485 Aegon International Equity Fund HUF 1%, min. HUF

3000 HUF 2000

T+1 T+2

HU0000705157 Aegon Ózon Annual Capital Protected Derivative Fund HUF

1%, min. HUF 3000

HUF 2000

T+1 T+2

HU0000705272 Aegon Asia Investment Fund of Funds HUF 1%, min. HUF

3000 HUF 2000

T+1 T+2

HU0000707401 Aegon Russia Equity Fund HUF 1%, min. HUF

3000 HUF 2000

T+1 T+2

HU0000707419 Aegon IstanBull Equity Fund HUF 1%, min. HUF

3000 HUF 2000

T+1 T+2

HU0000703970 Aegon Atticus Alfa Derivative Fund HUF 1%, min. HUF

3000 HUF 2000

T+1 T+2

Performance cut-off times

Orders submitted by 13:00 hours are executed in accordance with the following conditions: Execution of purchase orders bank working day following the issue of the order Execution of redemption orders 2nd bank working day following the issue of the order Exchange rate applied exchange rate valid on the day of the order

Investment funds of ING Fund Management (Hungary)

ISIN code

Name Currency Sales

commission




orders

LU0273689215 ING (L) Invest Greater China EUR 2%, min. EUR 25 HUF 0 T+5 T+5

LU0273689645 ING (L) Invest Latin America EUR 2%, min. EUR 25 HUF 0 T+4 T+4

LU0119214772 ING (L) Prestige and Luxe EUR 2%, min. EUR 25 HUF 0 T+4 T+4

LU0119207214 ING (L) Food and Beverages USD 2%, min. USD 30

HUF 0 T+4 T+4

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Investment fund units of Aberdeen Asset Management (Hungary)

ISIN code Name Currency Sales

commission




orders LU0175163459 Credit Suisse Inflation-Linked Bond EUR 1%, min. EUR 25 0 T+3 T+3

LU0094547139 Aberdeen Global – World Equity USD 2%, min. USD

30 0 T+5 T+5

LU0094541447 Aberdeen Global – European Equity EUR 2%, min. EUR 25 0 T+5 T+5

LU0011963831 Aberdeen Global – American Equity USD 2%, min. USD

30 0 T+5 T+5

LU0132412106 Aberdeen Global – Emerging Markets Equity

USD 2%, min. USD

30 0 T+5 T+5

LU0011963245 Aberdeen Global – Asia Pacific Equity USD 2%, min. USD

30 0 T+5 T+5

LU0498189041 Aberdeen Global – World Equity EUR 2%, min. EUR 25 0 T+5 T+5 LU0498181733 Aberdeen Global – Emerging Markets EUR 2%, min. EUR 25 0 T+5 T+5

HU0000709209 Aberdeen Investment Fund Investing Into Latin-America Equity Funds

HUF 2%, min. HUF

3000 0 T+1 T+11

Investment fund units of Allianz Fund Management (Hungary)


commission




orders LU0256839274 Allianz European Equity Growth EUR EUR 2%, min. EUR 25 0 T+3 T+3 LU0293313325 Allianz BRIC EUR EUR 2%, min. EUR 25 0 T+3 T+3

LU0527936024 Allianz Europe Equity Growth

HUF 2% min. HUF

3000 0 T+3 T+3

LU0527935992 Allianz BRIC

HUF 2% min. HUF

3000 0 T+3 T+3

LU0348827899 Allianz China EUR 2%, min. EUR 25 0 T+3 T+3 Investment fund units of BNP Paribas Fund Management (Hungary)


commission




orders

LU0531975588 BNPP L1 World Commodities

HUF 2%, min. HUF

3000 0 T+3 T+3

LU0531564010 BNPP L1 Bond World Emerging Local

HUF 1%, min. HUF

3000 0 T+3 T+3

LU0363509208 Parvest World Agriculture EUR 2% min. 25 EUR 0 T+5 T+5

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Investment fund units of Franklin Templeton Investments (Hungary)


commission

Redemptio

n commission



orders

LU0170475155 Templeton Global Bond (Euro) EUR 1%, min. EUR 25 0 T+3 T+3 LU0122614208 Templeton Global Bond USD 1%, min. USD 30 0 T+3 T+3 LU0260870588 Templeton Global Bond EUR 1%, min. 25 EUR 0 T+3 T+3 LU0229946891 Templeton BRIC EUR 2%, min. EUR 25 0 T+3 T+3 LU0229945810 Templeton BRIC USD 2%, min. USD 30 0 T+3 T+3 LU0260870745 Templeton Global Total Return EUR 1%, min. EUR 25 0 T+3 T+3 LU0170477797 Templeton Global Total Return USD 1%, min. USD 30 0 T+3 T+3 LU0260870406 Templeton Asian Growth EUR 2%, min. EUR 25 0 T+3 T+3 LU0152928064 Templeton Asian Growth USD 2%, min. USD 30 0 T+3 T+3 LU0122613903 Templeton Eastern Europe Equity EUR 2%, min. EUR 25 0 T+3 T+3

LU0517464813 Templeton Global Bond HUF 1% min. HUF

3000 0 T+3 T+3

LU0517465380 Templeton Asian Growth HUF 2% min. HUF

3000 0 T+3 T+3

LU0517465208 Templeton Global Total Return HUF 1% min. HUF

3000 0 T+3 T+3

Distribution channels

Branch Raiffeisen Direkt Raiffeisen Internet

Brokering

Purchase and redemption of investment fund units yes yes no

Order acceptance deadline Purchase/sale orders: 13:00 10.3. Securities deposit account management

Securities account management An annual 0.11%, min. HUF 750, max. HUF 15,000/quarter

The securities account keeping fee is determined on the basis of the average quarterly volume of the securities, at face value in the case of government securities, at the end-of-quarter stock exchange closing rate in the case of equity, and at the end-of-quarter net asset value in the case of investment fund units.

10.4. Long-term Investment Securities Account

Long-term Investment Securities Accounts may only be opened alongside an existing (or newly opened) securities account managed by Raiffeisen Bank. Minimum amount that must be placed at account-opening: HUF 25,000. Securities account keeping fee The bank does not charge a separate fee for the management of the Long-term Investment Securities Account. The balance of the Long-term Investment Securities Account is considered part of the balance of the securities account.

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Securities transactions The costs of the securities transactions executed on the Long-term Investment Securities Account are identical to the costs of the securities transactions regulated in the Investment Products Terms and Conditions. Payment and securities transfer Payments are only possible to the Customer’s forint cash account related to the securities managed by Raiffeisen Bank, from which the Customer may request intra-bank transfers to the Long-term Investment Account. Intra-bank transfers to the Long-term Investment Securities Account are only possible from the NYESZ-R Account. Pursuant to the relevant legal regulations, only forint amounts may be placed on the account. Order channels: Conclusion of a Long-term Investment Securities Account at the branch

Securities transactions via Raiffeisen Direct and the branch Available products: Securities with a forint base currency only

Securities listed in the equity section of the Budapest Stock Exchange Government securities Bonds issued by Raiffeisen Bank Bonds issued by Raiffeisen Bank* Trading of investment bond units on the basis of the Premium Banking Terms and Conditions and Investment Products Terms and Conditions

Interest on cash account: 0.00% *From 02.11.2011 Raiffeisen Bonds can be sold and re-bought to a Permanent Investment Securities Sub-Account on Fridays at the daily mid-rate.

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11. Raiffeisen Regular Investment

The latest conditions related to the Raiffeisen Regular Investment are set out in the effective Investment Products List of Conditions. As part of the Premium Banking service, in addition to the available funds regulated in the effective Investment Products List of Conditions, the investment notes issued in Hungary are also available, which are included in chapter 4 of the effective Investment Products List of Conditions (External Investment Funds) and in chapter 10.2 of Premium Banking Terms and Conditions (Investment notes units of independent fund managers). In case of Futura Money market fund sales comission is 0,4%.In case of Independent Fund Manager Investment Funds the standard sales commission will be charged without minimum investment fee charge.

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12. Savings Program

12.1. Limits

Minimum amount of regular payments HUF 10,000/month

HUF 30,000/quarter

HUF 60,000/semester

HUF 120,000/year

Minimum amount of one-off payments HUF 10,000/payment Maximum amount of partial redemption not more than 80% of the current investment value.

12.2. Fees, commissions

Date of debiting Fee for regular/one-off payments: 0% in-payment booking date Redemption fee:

0.5% on redemption execution day Modification fee: reduction of the regular payment amount, changing of investment package/period/due date

HUF 3,000

Fee for redemption executed within 5 working days from contract conclusion:

2% on redemption execution day

12.3. Investment packages

Package I Current Ratio Minimum Ratio Maximum Ratio Neutral Ratio

RAGA 100% 100% 100% 100%

Package II Current Ratio Minimum Ratio Maximum Ratio Neutral Ratio

RAIA 0% 0% 65% 25%

RAKA 25% 10% 40% 25%

RAPA 75% 10% 100% 40%

RAAK 0% 0% 20% 10%

Package III Current Ratio Minimum Ratio Maximum Ratio Neutral Ratio

RAIA 0% 0% 50% 15%

RAKA 10% 5% 30% 15%

RAPA 50% 5% 80% 30%

RAAK 10% 0% 15% 10%

RARA 15% 10% 30% 20%

RANRA 15% 0% 20% 10%

Package IV Current Ratio Minimum Ratio Maximum Ratio Neutral Ratio

RAIA 0% 0% 40% 5%

RAKA 7,5% 0% 25% 10%

RAPA 32,5% 0% 65% 25%

RAAK 20% 0% 30% 20%

RARA 20% 15% 40% 25%

RANRA 20% 0% 25% 15%

The Neutral Ratio is used for calculating the historic yield of the packages.

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12.4. Insurance available for the Savings Program

Raiffeisen Care Basic

Raiffeisen Care Plus Until 26 June 2006: Package A

Raiffeisen Care Extra Until 26 June 2006: Package B

Service cost – monthly HUF 299/month HUF 399/month HUF 599/month – quarterly HUF 897/quarter HUF 1,197/quarter HUF 1,797/quarter – semi-annually HUF 1,794/semester HUF 2,394/semester HUF 3,594/semester – annually HUF 3,588/year HUF 4,788/year HUF 7,188/year Risk element Insurance amount Death by any cause - HUF 500,000 HUF 750,000 Accidental death HUF 1,000,000 HUF 500,000 HUF 1,000,000 Disability due to accident HUF 1,000,000 HUF 500,000 HUF 1,000,000 Reduction in working capacity, grade TB I and II

- HUF 500,000 HUF 1,000,000

Raiffeisen Assistant – domestic assistance service

Raiffeisen Assistant Service cost – monthly HUF 599/month

– quarterly HUF 1,797/quarter

– semi-annual HUF 3,594/semester

– annual HUF 7,188/year

12.5. Savings Program service channels

Branch Raiffeisen Direkt

Raiffeisen Internet Brokering

Application for Horizons Program/insurance yes no no Changing of the minimum amount of regular payments yes yes no Changing of the period of regular payments yes yes no Changing of the due date of regular payments yes yes no

Changing of the investment package of regular payments yes no no

Application for a new investment package (in the case of an existing contract) yes no no

Initiation of new payments yes yes no

Order for redemption of partial/full amounts yes yes no

The performance dates are regulated by the effective Investment Products Terms and Conditions.

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13. Financial planning Fee for the financial planning that may be requested from a Premium Banking advisor by Premium Banking customers: HUF 0/instance of financial planning Financial planning means the one-off preparation and presentation of the financial plan provided by the Premium Banking advisor in accordance with the needs of the Customer.

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14. Other conditions, partner discounts Various partner discounts may be available in relation to the Premium Account Package and/or Premium cards. Additional information about partner discounts, the rate of the discounts and the conditions of eligibility is available at www.raiffeisen.hu/premium.

Premium Banking Kondiciok En

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