Formular valabil incepand cu data de /Form valid effective 01.06.2009
CERERE ACHIZITIONARE CERTIFICATE DE DEPOZIT CU CUPOANE / APPLICATION FOR ACQUIRING COUPONS CERTIFICATES OF DEPOSIT
Nume si prenume TITULAR / CNP Name and surname of CD holder Nume si prenume CUMPARATOR* / CNP Name and surname of CD buyer * Se va completa numai in cazul in care cumparatorul este diferit de titular/ Will be filled only in case the buyer is different from CD holder
CNP: Student/ Student Pensionar/ Retired person CNP: _______________________________________________________________________________________ Adresa completa/ Tel fix/ Fixed phone line: ____________________ Tel mobil/ Mobile phone no:______________ E-mail: Full address ____________________ Fax: _______________________
Solicitam prin prezenta achizitionarea unui numar de certificate de depozit cu cupoane emise de ALPHA BANK (denumita in continuare „Banca”), dupa cum urmeaza/We hereby request the acquire of coupons certificates of deposit issued by ALPHA BANK (the „Bank”), as follows:
Scadenta/Maturity Valuta/Currency
3 luni/ months
6 luni/ months
9 luni / months
12 luni/ months
RON USD EUR
Cupiura Cupon/ Coupon Denomination RON 500 1.000 RON 2.500 RON RON 5.000 Valoare totala RON/Total value RON 250 USD 500 USD 1.000 USD 5.000 USD Valoare totala USD/Total value USD 250 EUR 500 EUR 1.000 EUR 5.000 EUR Valoare totala EUR/Total value EUR Valuta/ Currency 3 luni/ months 6 luni/ months 9 luni/ months
Numarul certificatelor solicitate se va inscrie in casutele scadentelor aferente/ The requested number of certificates shall be written in the relative maturity boxes.
Certificatele se achizitioneaza prin debitarea contului curent nr / The certificates are acquired by debiting the current account no. ……….……………… deschis pe numele/ opened in the name of ………………………………………………. Data/Date: _________________ ___________________________________ Semnatura cumparator/ Authorised signatures
REZERVAT BANCII/ TO BE FILLED IN BY THE BANK Verificare cerere Data: ______________ Consilier Vanzari _________________________ Sef Dpt. / Sef Agentie __________________________
Numarul cupoanelor solicitate se va inscrie in casutele scadentelor aferente/ The requested number of coupons shall be written in the relative maturity boxes.
12 luni / months
Formular valabil incepand cu data de /Form valid effective 01.06.2009 TERMENI SI CONDITII CERTIFICATE DE DEPOZIT TERMS AND CONDITIONS COUPONS CERTIFICATES OF DEPOSITS CU CUPOANE Am luat la cunostinta si sunt de acord cu urmatoarele: • Certificatele de depozit cu cupoane reprezinta titluri de creanta puse la dispozitia clientilor la oricare din sediile ALPHA BANK ROMANIA (denumita in continuare “Banca”) la o valoare prestabilita, pe o perioada de timp determinata, pe care Banca le rascumpara in conditiile de dobanda convenite. • La data achizitionarii certificatului de depozit, titularul are obligatia de a verifica corectitudinea datelor inscrise pe certificat. Banca nu va lua in considerare nici o sesizare ulterioara. • Achizitionarea in aceeasi zi a mai multor CDC in aceeasi valuta este conditionata de cumpararea integrala a tuturor cupoanelor dintr-un certificat. • Dobanda se calculeaza la numarul de zile efective raportat la un an de 365 zile. Rata dobanzii este fixa, neschimbata pana la scadenta si se aplica la valoare nominala a certificatului de depozit. • Data scadentei certificatului / ziua platii dobanzii se considera a fi ziua din luna scadentei, corespunzatoare zilei achizitionarii certificatului. In situatia in care data scadentei certificatului / ziua platii dobanzii cade intr-o zi care nu este o zi bancara lucratoare, punerea la dispozitie a fondurilor se va efectua in urmatoarea zi bancara lucratoare. • La data prezentei cereri, operatiunile cu certificate de depozit sunt scutite de comisioane. • La data prezentei cereri, comisioanele de administrare, retragere si depunere numerar aferente contului curent sunt zero, atat pentru operatiunile in lei cat si pentru cele in valuta. • Certificatele de depozit pot fi rascumparate la oricare din sediile Bancii, la scadenta sau oricand la solicitarea titularului. • Rascumpararea certificatului inainte de scadenta se face in scris si atrage dupa sine aplicarea ratei dobanzii de cont curent practicata de Banca, pe perioada scursa de la achizitionarea certificatului si pana la rascumpararea acestuia. La momentul semnarii acestei Cereri, dobanda practicata de Banca la contul curent este zero. • Orice modificare a dobanzii aferente contului curent va fi adusa la cunostinta Clientului prin afisare la sediile Bancii. • Pentru rascumpararea certificatelor de depozit cu cupoane intr-un termen mai mic de 30 zile de la achizitionare, Banca va percepe comision de retragere numerar. • Fractiunile in valuta intre 0.01 – 0.49 (inclusiv) se vor rotunji la 0 (zero) iar cele intre 0.5 – 0.99 la 1 (unu). Rotunjirea se va efectua la suma ramasa dupa deducerea tuturor costurilor (dobanda, impozit) din dobanda aferenta certificatelor de depozit cu cupoane. • Rascumpararea cerificatului dupa data scadentei este efectuata de catre Banca la valoarea nominala plus dobanda aferenta. I am aware and agree with the following: • Coupons Certificates of Deposit represents warranty title put at client’s disposal to any of ALPHA BANK ROMANIA premises (hereafter called the “Bank”) at a predefined value, on a limited period of time, and which will be redeemed by the Bank at the interest agreed at acquisition moment. • At the acquisition date, the holder of certificate of deposit with coupons is obliged to check the correctness of the data written in the certificate. The Bank shall not take in consideration any subsequent notification • Aquiring more certificates of deposit with coupons, in the same currency, on the same day, is conditioned by the aquisition aquisition of all the certificate’s coupons • The interest is calculated according with the effective number of days related to 365 days per year. The interest rate is fixed, unchanged until the maturity date and will be applied to the nominal value of the coupons certificate of deposits. • The certificate maturity date / interest payment due date is considered to be the day of the month when the certificate expires, corresponding to the day the certificate was acquired. If the certificate maturity date / interest due date falls in a nonworking banking day, the date when the funds are available is the next working banking day. • At the present agreement date, the transactions with coupons certificates of deposits bear no commissions. • At the present agreement date the current account management fee, withdrawal and cash deposit fees are zero, both for lei transactions as well as those in foreign currency. • The redemption of coupons certificates of deposits can be done to any of the Bank’s units, at holder’s request, at any time before or after the maturity date. • The certificates’ redemption prior to its maturity is made based on special written request and leads to payment by the Bank of the interest rate applicable to current accounts, for the period elapsed from purchasing the certificates up to its redemption. At the present application date, the current account interest rate applied by the Bank is zero. • Any change of current account percentages of interest rates will be communicated to the Client by posting it at the Bank premises. • For the redemption of coupons certificates of deposits before 30 days from acquisition date, the Bank will APPLY withdrawal commission. • Fractions between 0.01 – 0.49 (included) will be rounded to 0 (zero) and those between 0.5 – 0.99 will be rounded to 1 (one). The rounding will be applied to remaining amount after all costs have been deducted (interest, tax) from certificates interest • The certificates redemption after due date is made at nominal value of certificate plus the interest.
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Semnatura comparator / Authorised signatures
Formular valabil incepand cu data de /Form valid effective 01.06.2009 • Banca nu rascumpara decat certificatele de depozit care contin intacte ca elemente de identificare seria si numarul. • The Bank shall perform the redemption of the certificates of deposits with coupons only for the ones that have the identification data undamaged, meaning the certificate series and the number. • Certificates of deposit with coupons permit the rollover of the maturity of all coupons or just a part of the coupons and some of the coupons could be released at holder’s request. • For coupons certificates of deposits purchased by individuals, the Bank withholds and pays the tax on income, as per the applicable law. • Taking into account that Alpha Bank Romania participates to Banking System Deposits Guarantee Fund, the amounts specified in the certificate are guaranteed by the before mentioned fund, in accordance with the guarantee limits and for individual clients foreseen by the legislation in force. • Transactions with certificates of deposits with coupons are assimilated to cash transactions, in this regard are submitted to legislation in force regarding anti money laundering (prevention and penalties) with the subsequent amendments and completions. • In case of loosing, stolen or destroyed certificate of deposit with coupons, the holder of the certificate is obliged to immediately notify in written the Bank unit that issued the certificate. The holder shall go to the Bank in order to fulfil the standard statement on his / her responsibility. Not announcing the Bank in case of lost, stolen or destroyed coupons certificate of deposit exonerates the Bank of any responsibility. • Following checking the proofs regarding the declaration of lost/ stolen certificate of deposit with coupons as well as following a written request made by the holder, the Bank shall issue a new certificate of deposit with coupons respecting the same conditions as the previous one. • Presenting a counterfeit certificate or certificates containing counterfeit elements, leads to legal liability of the holder. The Bank has the right to announce the authorities. • Any changes with regard to the level of commissions applicable will be notified , in writing, according with the account holder’s option communicated in Individual identification form (Annex 1 attached) with 30 days prior to the implementation of the new levels. • In case of changes of the contractual clauses, the Bank will notify the account holder in writing according with the option set in Individual identification form, following that the mutual agreement between the parties to be formed within theapplicable law. Failure to receive an answer from the account holder within the 15 days since the notification was delivered, the Bank has the right to to cancel the present agreement without any other prior formalities.
• Certificatul de depozit cu cupoane permite prelungirea scadentei tuturor cupoanelor aferente sau doar a unora dintre acestea, celelalte urmand a fi rascumparate. • Banca retine si plateste impozitul pe dobanda aferent certificatelor de depozit cu cupoane, conform legii. • Avand in vedere calitatea de participant al Alpha Bank Romania SA la Fondul de Garantare a Depozitelor in Sistemul Bancar, sumele care fac obiectul certificatului de depozit sunt garantate de catre fondul anterior mentionat, in limita plafonului de garantare si pentru categoriile de persoane fizice prevazute de reglementarile legale in vigoare. • Operatiunile cu certificate de depozit sunt asimilate operatiunilor cu numerar si, ca atare, se supun prevederilor legislatiei in vigoare privind prevenirea si sanctionarea spalarii banilor, cu modificarile si completarile ulterioare. • In cazul pierderii, furtului sau distrugerii certificatului de depozit cu cupoane, titularul acestuia are obligatia de a anunta de indata, in scris, unitatea emitenta, prezentandu-se la sediul Bancii in vederea completarii declaratiei standard, data pe propria raspundere. Neanuntarea pierderii, furtului sau distrugerii certificatului de depozit exonereaza Banca de orice raspundere. • In urma verificarii dovezilor privind declararea pierderii/furtului certificatului de depozit precum si in baza unei cereri formulate de catre titular, Banca va putea emite un nou certificat de depozit in aceleasi conditii. • Prezentarea unor certificate falsificate sau cuprinzand elemente falsificate atrage raspunderea penala a detinatorului, Banca rezervandu-si dreptul de a sesiza organele in drept. • Orice notificare cu privire la modificarea nivelului comisioanelor aplicabile va fi transmisa in scris de catre Banca, conform optiunii exprimate de titular in Formularul de identificare persoane fizice, cu 30 zile inainte de aplicarea noului nivel. • In cazul modificarii continutului clauzelor contractuale, Banca va notifica in scris titularul conform optiunii exprimate in Formularul de identificare persoane fizice, urmand ca acordul de vointa al partilor sa se formeze in conditiile prevederilor legale incidente. Neprimirea unui raspuns din partea titularului in termen de 15 zile de la primirea notificarii, da dreptul Bancii de a inceta prezentul contract fara alte formalitati prealabile.
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Semnatura comparator / Authorised signatures
Formular valabil incepand cu data de /Form valid effective 01.06.2009 • Titularul se obliga sa informeze in scris Banca, cel tarziu la data rascumpararii certificatelor, cu privire la optiunea acestuia de a inchide contul curent deschis in evidentele Bancii, avand in vedere ca acesta face obiectul unui alt serviciu financiar pus la dispozitia sa de catre Banca. Ca urmare a cererii scrise a titularului, Banca va inchide contul curent fara perceperea unor costuri suplimentare, dar numai dupa plata tuturor comisioanelor/spezelor bancare datorate Bancii anterior transmiterii cererii de inchidere a contului curent. • Prezenta Cerere de achizitionare certificate de depozit cu cupoane impreuna cu Termenii si Conditiile aferente, Certificatul de depozit cu cupoane formeaza Contractul dintre parti si se supun normelor legale in vigoare in materie de conventii si depozit bancar. • The holder undertakes to inform the Bank, in writing, at latest on the date of redemption of the certificates of deposit with regard to his/her option to close the current account opened in the Bank’s records, taking into account that this represents another financial service offered by the Bank. Following the Holder’s written request the Bank will close the current account without additional costs but only after all specific banking financial service commissions/charges are paid, these being due to the Bank prior to the sending of the current account termination request. • The present application for acquiring coupons certificates of deposit together with the Terms and Conditions, the coupons certificate of deposits represent the agreement between the parties and are submitted to law in force.
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Semnatura comparator / Authorised signatures