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FOR CORPORATE CLIENTS

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					K&H Bank Zrt.
1051 Budapest, Vigadó tér 1.
Telefon: (06 1) 328 9000, (06 70) 461 9000
Fax: (06 1) 328 9696
www.kh.hu • bank@kh.hu




announcement




                         FOR CORPORATE CLIENTS


                                           EFFECTIVE AS OF APRIL 11, 2011




                                                    INTERNET: www.kh.hu
                                                   SWIFT/BIC: OKHBHUHB




The conditions specified in this List of Service Prices for Corporate Clients (Announcement) (“List”) shall apply to corporate clients
(“Clients”) of K&H Bank Zrt. (“Bank”). According to the definition of the Bank “corporate client” means all resident and non-resident
legal or not legal entities and organisations (foundation, church, union, municipality, etc.), furthermore enterprises, private persons
conducting economic activities. Should any contract concluded between the Bank and the Client (“Client Agreement”) contain
conditions differing from the conditions contained in this List the stipulations of the “Client Agreement” shall be applicable (the
“Client Agreement” shall not change the VAT classes of the individual services). The basic principles and rules according to which
the Bank performs business activity are contained by the General Terms and Conditions and the relevant General Contractual
Terms and Conditions (which are available for the clients of the Bank free of charge).


CALCULATION METHOD OF FEES AND COST ELEMENTS OF THE ANNOUNCEMENT:
Items specified in the Announcement can be modified at the most by the cumulated inflation rate calculated on the basis of the
period passed since the last modification of the price of the item. The fees specified in amount, in percentage, minimum values,
maximum values are all deemed to be separate items and can be modified separately. The Announcement contains the date of the
last correction of all items.
The cumulated inflation rate is calculated on the basis of the inflation rate of the previous calendar year officially published by the
Central Statistic Office.
The modified values of the fees are determined by using the general rules of rounding, in case of specification in percentage,
restricted to two decimals.
The difference between the result of the cumulated inflation value and the rounded value is taken into consideration by the next
modification with the proper sign.

The Bank considers its Announcement of July 29, 2009 the primary announcement for the current calculation of fees.

Office. The amended part of the Announcements is printed in bold italics.

.
Announcement for corporate clients




Table of contents

I.   BANKING SERVICES ....................................................................................................................................................... 4
1. HUF & FCY BANK ACCOUNTS ....................................................................................................................................... 4
  1.1  BANK ACCOUNT MANAGEMENT............................................................................................................................ 4
  1.2  DOMESTIC TRANSACTIONS IN HUF...................................................................................................................... 4
  1.3  TRANSACTIONS IN FOREIGN CURRENCIES FOR HUF AND FCY ACCOUNTS.................................................. 5
2. SPECIAL BANK ACCOUNTS ........................................................................................................................................... 5
  2.1  K&H NOMINAL CAPEQUITY DEPOSIT HUF AND FCY ACCOUNT ........................................................................ 5
  2.2  K&H STATUTORY DEPOSIT .................................................................................................................................... 5
  2.3  K&H SEPARATED ACCOUNT (E.G. ATTORNEY, NOTARY, BAILIFF DEPOSIT) ..................................................... 5
  2.4  ACCOUNT MANAGEMENT TO FOUNDATIONS...................................................................................................... 5
  2.5  K&H DEPOSIT HUF AND FCY ACCOUNT – CASH DEPOSIT................................................................................. 5
  2.6  K&H DEPOSIT HUF AND FCY ACCOUNT – COLLATERAL, SECUTITY DEPOSIT, AVOP CREDIT....................... 5
3. OTHER SERVICES RELATED TO CASH TURNOVER AND ACCOUNT MANAGEMENT.............................................. 6
  3.1 CHEQUE TRANSACTIONS...................................................................................................................................... 6
  3.2 OTHER FEES RELATED TO CASH TURNOVER .................................................................................................... 6
  3.3 POSTAL PAYMENTS* ............................................................................................................................................... 7
  3.4 OTHER SERVICES RELATED TO PAYMENT TURNOVER ..................................................................................... 7
  3.5 ACCOUNT STATEMENT, BANK INFORMATION, CONFIRMATION......................................................................... 7
  3.6 TELEPHONE CUSTOMER SERVICES .................................................................................................................... 8
4. ELECTRONIC SERVICES ................................................................................................................................................ 8
  4.1  ELECTRA (MODEM BASED OR INTERNET BASED ELECTRONIC BANKING SERVICE) .................................... 8
                                                             11
  4.2  W1SE (CORPORATE INTERNET BANKING) ....................................................................................................... 8
                                                                                            12
  4.3  K&H CORPORATE E-BANK (INTERNET BANKING FOR SME’S) ........................................................................ 8
  4.4  K&H E-BOX (INTERNET-BASED ELECTRONIC BANK MAILBOX SERVICE) ........................................................ 8
  4.5  K&H CORPORATE MOBILINFO............................................................................................................................... 8
5. OTHER SERVICES ........................................................................................................................................................... 9
  5.1 SAFE DEPOSIT BOX SERVICES............................................................................................................................. 9
6. DOCUMENTARY DEALS................................................................................................................................................ 10
  6.1 EXPORT COLLECTION.......................................................................................................................................... 10
  6.2 IMPORT COLLECTION........................................................................................................................................... 10
  6.3 EXPORT LETTER OF CREDIT............................................................................................................................... 10
  6.4 IMPORT LETTER OF CREDIT 14 ............................................................................................................................ 10
  6.5 DOMESTIC LETTER OF CREDIT .......................................................................................................................... 10
  6.6 GUARANTEES 14 .................................................................................................................................................... 10
  6.7 OTHER.................................................................................................................................................................... 10
7. FEES AND COMISSIONS RELATED TO LENDING ACTIVITIES ................................................................................. 11
  7.1  GENERAL FEES AND COMMISSIONS RELATED TO ACTIVE BANKING SERVICES ......................................... 11
  7.2  FEES AND COMMISSIONS RELATED TO LOANS................................................................................................ 11
  7.3  ANNOUNCEMENT ITEMS RELATED TO HDB-REFINANCED LOANS................................................................. 11
  7.4  FEES CHARGED BY INSTITUTIONAL GUARANTORS......................................................................................... 11
  7.5  INTEREST RATE CHARGED ON LATE PAYMENTS RELATED TO LOAN CONTRACTS..................................... 11
  7.6  GUARANTEE FEES................................................................................................................................................ 11
  7.7  DEFAULT INTEREST RATE RELATED TO GUARANTEE CONTRACTS .............................................................. 11
                                                                               18
  7.8  FEES RELATED TO DOMESTIC BILLS OF EXCHANGE ................................................................................... 11
  7.9  EXCHANGE RATE TO ACTIVE BANKING SERVICES .......................................................................................... 11
8. ON THE CONDITIONS OF BANKCARD SERVICES ..................................................................................................... 12
  8.1  ON THE CONDITIONS OF BUSINESS BANKCARD SERVICES .......................................................................... 12
  8.2  ON THE CONDITIONS OF BUSINESS CREDIT CARD SERVICES ...................................................................... 13
  8.3  LIST OF PARTNERS CONTRIBUTING TO BANKCARD SERVICES OFFERD BY K&H BANK ............................ 15
  8.4  USE OF K&H BUSINESS BANKCARDS AND CREDIT CARDS ............................................................................ 15
  8.5  EXCHANGE RATES USED WHEN DEBITING BANKCARD TRANSACTIONS ..................................................... 16
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Announcement for corporate clients


II. ACCOUNT PACKAGE SERVICES ................................................................................................................................. 17
                                         20
1. ACCOUNT PACKAGES ............................................................................................................................................... 17
  1.1. K&H FLEXIBLE ACCOUNT PACKAGE * ................................................................................................................ 17
  1.2. K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES.......................................................... 19
  1.3. K&H LEGAL ACCOUNT PACKAGE ........................................................................................................................ 20
  1.4. K&H HEALTH AND K&H ACCOUNTANTS ACCOUNT PACKAGE ......................................................................... 21
  1.5. K&H BANKCARD ACQUIRING ACCOUNT PACKAGE........................................................................................... 22
  1.6. K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES ................................................................... 23
  1.7. K&H SME BUSINESS BANKCARD WITH OVERDRAFT FACILITY....................................................................... 24
2. SPECIAL SERVICE PACKAGES ................................................................................................................................... 25
  2.1  KV DUPLA PACKAGE, K&H START-, K&H AKTÍV- AND K&H E-BANK BUSINESS A CCOUNT ........................... 25
  2.2  CORPORATE SMALL ENTERPRISE FOREIGN CURRENCY ACCOUNT PACKAGE........................................... 26
3. INFORMATION CONCERNING THE INSURANCE PACKAGES LINKED TO THE SERVICE PACKAGES................. 27
4. THE METHOD OF CALCULATION OF THE FEES SET OUT IN THE ACCOUNT PACKAGES FEATURED............... 29
  4.1  K&H FLEXIBLE ACCOUNT PACKAGE................................................................................................................... 29
  4.2  K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES.......................................................... 30
  4.3  K&H LEGAL ACCOUNT PACKAGE ........................................................................................................................ 31
  4.4  K&H HEALTH AND K&H ACCOUNTANTS’ ACCOUNT PACKAGE......................................................................... 32
  4.5  K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES ................................................................... 33
  4.6  SPECIAL SERVICE PACKAGES ............................................................................................................................ 34
III. SERVICES....................................................................................................................................................................... 35
1. NOTICE OF THE K&H SME CUSTOMER SERVICE ...................................................................................................... 35
2. SERVICES OFFERED BY THE K&H CORPORATE CUSTOMER SERVICE ................................................................. 37
3. ELECTRA – ELECTRONIC BANKING SERVICE (CORPORATE ELECTRONIC CHANNEL)........................................ 38
4. W1SE CORPORATE INTERNET BANK (INTERNET-BASED ELECTRONIC BANKING SERVICE) ............................. 39
5. K&H CORPORATE E-BANK (INTERNET-BASED ELECTRONIC BANKING SERVICE) ............................................... 40
6. K&H E-BOX (INTERNET-BASED ELECTRONIC BANK MAILBOX SERVICE)............................................................... 42
7. K&H CORPORATE MOBILINFO SERVICES .................................................................................................................. 43
8. ON THE ACTUAL CONDITIONS OF BUSINESS CREDITCARD MOBILINFO SERVICES ............................................ 44
9. K&H BUSINESS CREDITCARD MOBILINFO SERVICES .............................................................................................. 45
IV. REGULATIONS CONCERNING GENERAL TRANSACTIONS, ACCOUNTS................................................................ 46
V. COMMENTS.................................................................................................................................................................... 50




APPENDICES


      1.     Notice of K&H Bank on the value of the interest rate
      2.     Notice of K&H Bank on the standard transfer cut-off times of payment orders and the order of execution
      3.     Information on the companies in the interest of the bank and about data management
      4.     Notice of Payment Title Codes Multiple HUF orders
      5.     The current Announcement of the HDB refinanced loans (only in hungarian)
      6.     The current Announcement of Garantiqua Creditguarantee Co. Ltd. (only in hungarian)
      7.     The current Announcement of the Rural Credit Guarantee Foundation (only in hungarian)
      8.     The current Announcement of Venture Finance Hungary Private Limited Company (only in hungarian)




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Announcement for corporate clients



I.     BANKING SERVICES
1.   HUF & FCY BANK ACCOUNTS
1.1 BANK ACCOUNT MANAGEMENT
            Account opening                                                                                       free of charge
            HUF bank account monthly account maintenance fee (each month started)                          HUF 4,580 / account
            FCY account monthly account maintenance fee (each month started)                                  EUR 20 / account
             Currencies: USD, EUR, CHF, GBP, SEK, DKK, CAD, AUD, JPY, NOK, CZK, PLN
             Corporate account and/or package change fee                                                 HUF 10,000 /occasion
             (in case of changing to a package with cheaper account package or account fee)

1.2 DOMESTIC TRANSACTIONS IN HUF
     1.2.1       RECEIPTS
            Cash in (HUF)
                    credit HUF account                                                                     0,11%, min. HUF 200
                    credit FCY account                                                                            free of charge
            Credit of payments (intrabank, GIRO, VIBER)                                                           free of charge
     1.2.2       DEBITS
            Cash withdrawal (HUF)
                  debit HUF account                                                                     0.22%, min. HUF 400
                  debit FCY account                               0,05%, min. HUF 100 Campaign: free of charge for 31.05.2011
            Starting one-off / forward dated HUF transfer from HUF or FX account
                    Intrabank payment orders
                      paper based (including execution of collections / authority payment / warrant payment) 0,18%, min. HUF 400
                      electronic                                                                             0.11%, min. HUF 150
                      via K&H SME customer service                                                           0.11%. min. HUF 270
                    Outgoing payment orders via GIRO
                     paper based (including execution of collections / authority payment / warrant payment) 0.2%, min. HUF 450
                     electronic                                                                             0.12%, min. HUF 200
                     K&H SME customer service                                                               0.14%. min. HUF 270
            Urgent external HUF transfer from FCY account                                                  1,25%, min. EUR 16
            Book transfers between HUF and FCY account of the same Client
                   paper based                                                                                   HUF 300 / item
                   electronic                                                                                     free of charge
            One-off / forward dated VIBER (paper based and electronic)
                   transfer                                                           0.6%, min. HUF 16,000, max. HUF 170,000
                   presented before value date                                          0.3%, min. HUF 6,000, max. HUF 60,000
                   modification requested by Client                                                                HUF 20,000
                   payment instruction cancelled due to lack of fund                                               HUF 20,000
            Collection
                    initiation paper based                                                                    HUF 500 / item
                    initiation electronic                          0,1%, min. HUF 100 Campaign: free of charge for 31.05.2011
                    registration fee of authorization letter                                                  HUF 520 / item
            Authority payment
                   initiation paper based                                                                      HUF 500 / item
                   initiation electronic                            0,1%, min. HUF 100 Campaign: free of charge for 31.05.2011

     1.2.3       DOMESTIC TRANSACTIONS IN HUF ONLY FOR HUF ACCOUNTS
            Standing order
                                               1
                   Intrabank payment orders                                                                      HUF 200 / item
                                              1
                   Outgoing payment orders                                                                       HUF 250 / item
                   Registration fee of paper based standing order 19                                             HUF 500 / item
            Multiple payment orders (intrabank and external payments)
              Direct debits
                 initiation                                                                              0.03% + HUF 30 / item
                 credit                                                                                          free of charge
                 execution                                                                                      HUF 110 / item
                 modification to direct debit authorization (paper based) at branch                             HUF 500 / item
              Batch payments                                                                          0.11%, min. HUF 40 / item




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Announcement for corporate clients



1.3 TRANSACTIONS IN FOREIGN CURRENCIES FOR HUF AND FCY ACCOUNTS

     1.3.1       RECEIPTS
             Cash in (FCY)
               credit HUF account                                                           0,05% Campaign: free of charge for 31.05.2011
               credit FCY account in different currency                                     0,05% Campaign: free of charge for 31.05.2011
               credit FCY account in same currency                                                                                  0.5 %

             Credit of FCY payments on HUF or FCY account
               book transfers from the FCY account of the same Client        0,05% Campaign: free of charge for 31.05.2011
               book transfers, payments received from a Hungarian bank, incoming cross border payments in HUF and FCY
                                                                                           0.1%, min. EUR 12 max. EUR 100
     1.3.2       DEBITS
             Cash withdrawal (FCY)
               debit HUF account                                                            0,05% Campaign: free of charge for 31.05.2011
               debit FCY account in different currency                                      0,05% Campaign: free of charge for 31.05.2011
               debit FCY account in same currency                                                                                   0,9%
             Intra bank payment orders in FCY (debit HUF or FCY account)
               paper based or via K&H SME customer service                                                                  0,18%, min. EUR 16
               electronic orders                                                                                            0.13%, min. EUR 12
               collections, warrant payment                                                                                 0,18%, min. EUR 16
             Outgoing cross border payments in HUF and FCY
               paper based or via K&H SME customer service (with SHA or BEN cost allocation)                              0.2%, min. EUR 18
                  bearing correspondent banking costs (OUR cost allocation)                                      0.2% + EUR 22, min. EUR 40
               electronic orders (with SHA or BEN cost allocation)                                                      0.15%, min. EUR 14
                  bearing correspondent banking costs (OUR cost allocation)                                    0.15% + EUR 22, min. EUR 36
               urgent transfer in HUF or FCY with conversion (with SHA or BEN cost allocation)          1.25%, min. EUR 16
                  urgent transfer in HUF or FCY with conversion (with OUR cost allocation)     1.25% + EUR 22, min. EUR 38
               urgent transfer in HUF or FCY without conversion (with SHA or BEN cost allocation)      1.25%, min. EUR 16
                  urgent transfer in HUF or FCY without conversion (with OUR cost allocation) 1.25% + EUR 22, min. EUR 38
               collections, warrant payment                                                                                 1.25%, min. EUR 16
             Bank cheque issued via SWIFT                                                                                      see”1.3.2. Debits”
             Book transfers
               between HUF and FCY account of the same Client (paper based)                                                       HUF 300 / item
               between HUF and FCY account of the same Client (electronic)                                                         free of charge
             Conversion fee*                                                                                                                   2%

2.     SPECIAL BANK ACCOUNTS
Terms and conditions not shown below are identical to those stipulated in sections 1., 3. and 4. of the Announcement

2.1 K&H NOMINAL CAPEQUITY DEPOSIT HUF AND FCY ACCOUNT
            Monthly account maintenance fee                                                                                        free of charge
            Cash in                                                                                                                free of charge
            Book transfers                                                                                                         free of charge

2.2 K&H STATUTORY DEPOSIT
            Monthly account maintenance fee                                                                                        free of charge

2.3 K&H SEPARATED ACCOUNT (E.G. ATTORNEY, NOTARY, BAILIFF DEPOSIT)
            Monthly account maintenance fee (HUF account)                             HUF bank account monthly account maintenance fee
            Monthly account maintenance fee (FCY account)                                                                      EUR 20

2.4 ACCOUNT MANAGEMENT TO FOUNDATIONS
            Monthly account maintenance fee (HUF account)                                                                              HUF 1,350
            Monthly account maintenance fee (FCY account)                                                                              HUF 2,000

2.5 K&H DEPOSIT HUF AND FCY ACCOUNT – CASH DEPOSIT
            Monthly account maintenance fee                                                                                        free of charge
            One off handling fee of cash deposit (charged at the day of placement after the placed amount)                                 1.00 %

2.6 K&H DEPOSIT HUF AND FCY ACCOUNT – COLLATERAL, SECUTITY DEPOSIT, AVOP CREDIT
            Monthly account maintenance fee                                                                                        free of charge


* If FX is urgently transferred externally in case one foreign currency is converted into another one, the Bank will charge a conversion fee in addition to the
transaction fee.
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Announcement for corporate clients



3.    OTHER SERVICES RELATED TO CASH TURNOVER AND ACCOUNT MANAGEMENT
3.1 CHEQUE TRANSACTIONS
            Purchase of cheque (credit in different currency)                       0,05% Campaign: free of charge for 31.05.2011
            Purchase of cheque without conversion (credit in same currency)             1.00 %, min. HUF 3,000, max. HUF 400,000
            Cheque received for collection                                              0.30 %, min. HUF 3,000, max. HUF 300,000
            Unpaid cheque                                                                                              HUF 3,000
            Fee of urging cheque received for collection on request (first urging free of charge)            HUF 2,000 / occasion

3.2 OTHER FEES RELATED TO CASH TURNOVER
             Cash withdrawal orders                                                               HUF 500 / a book of orders
                                                                                         2
             Fee of prompt withdrawal over the counter in excess of cash withdrawal fee                0.20%, min. HUF 5,500
             Failure to perform previously notified cash withdrawal in HUF                             0.10%, min. HUF 5,500
             Failure to perform previously notified cash withdrawal in FCY                             0.50%, min. HUF 5,500
             Using “drop box” (fee of cash delivered in bags shall be charged by the Bank)                      free of charge
             Cash delivered in bags
               HUF banknotes                                                                          0.15%, + HUF 800 / bag
               HUF coins                                                                               2.5%, + HUF 500 / bag
               FX banknotes / FX coins                                                               0.3%, + HUF 2,500 / bag
             Large volume cash deposit
               HUF banknotes                                                                   0.2%, + HUF 1,700 / occasion
               HUF coins                                                                           3%, + HUF 500 / occasion
               FX banknotes                                                                   0.35%, + HUF 2,500 / occasion
             Denomination change
               FX banknotes and coins (at partial amount exchange as well)                                0.1%, min. HUF 500
               HUF banknotes (in same domination)
                     50 pieces, or less banknotes paid in                                                       free of charge
                     over 50 pieces*                                                                                     5.0%
               HUF coins (in same domination)
                     50 pieces, or less coins paid in                                                           free of charge
                     over 50 pieces*                                                                                    10.0%
             Exchange EUR coins (denomination be 1 or 2) through account (discount shall)                               25.0%
             Acceptance of damaged banknotes
               HUF banknotes
                     the banknote is larger than 51% of the original                                            free of charge
                     the banknote is smaller than 51% of the original                              the Bank doesn’t accept it
               FX banknotes
                     damaged, solied banknotes or banknotes under withdrawal cash in to account (discount shall)        25.0%
                     the damage on the banknote is larger than 10%, but not over 20% (discount shall)                   25.0%
                     the damage on the banknote is larger than 20%, but not over 49%, or the shortage is under 10%, but the
                        serial number is defective (the Bank takes the note into depost)                        special pricing
             Foreign currency exchange                                                                          free of charge
                                                       3
             Refund after foreign currency payment
               HUF 5-20 mln                                                                                              0.5%
               HUF 20-100 mln                                                                                            0.7%
               HUF 100-500 mln                                                                                           0.8%
               over HUF 500 mln                                                                                          1.0%
                                                         3
             Refund after foreign currency withdrawal
               HUF 5-20 mln                                                                                              0.5%
               HUF 20-100 mln                                                                                            0.7%
               HUF 100-500 mln                                                                                           0.8%
               over HUF 500 mln                                                                                          1.0%




* In addition to genuine HUF banknotes fit for circulation, the Bank will exchange - for HUF banknotes or HUF coins of any other denomination - damaged,
incomplete and contaminated HUF banknotes and coins that are difficult to recognize, unless it cannot be established upon their acceptance whether they
represent some value. In that latter case, the Bank will accept such HUF banknotes and coins for subsequent settlement.
In case the number of HUF bank notes or coins to be exchanged exceeds 50, the fee is calculated based on the total face value of those bank notes or coins.




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Announcement for corporate clients




3.3 POSTAL PAYMENTS*
              Postal cash payment order (incoming payment, paper based)                                        0,15% + postal commission
              Postal cash payment order (incoming payment, electronic)                           0.10% bank commission + postal commison
              Postal payment cheque (outgoing) paper based orders                              0.15% bank commission + postal commission
              Postal payment cheque (outgoing) electronic orders                               0.11% bank commission + postal commission
              Cash withdrawal at post office                                                   0.10% bank commission + postal commission
              Cash in at post office via pass book                                             0.10% bank commission + postal commission
              Cash withdrawal at post office via pass book                                     0.10% bank commission + postal commission

3.4 OTHER SERVICES RELATED TO PAYMENT TURNOVER
             Accepotance of paper based foreign currency payment for future execution (even next day’s)            HUF 1,000 / item
                                                                                     4
             Fees charged for foreign currency transfers with erroneous IBAN/BIC                      Fees charged by partner banks
             Not executed by the Bank yet
               cancellation of transfer orders to be performed in the future (which can also be the next day) 5       free of charge
               cancellation of transfer orders to be performed on Day 0, based on a specific agreement 5          HUF 10,000 / item
             Admittance of payment orders over cut-off time (via Corporate Client Service)6                       HUF 10,000 / item
             Queue handling**                                                                                    HUF 30 / day / item
             Acceptance of MT 101                                                                                     free of charge
             Payment order prepared by the Bank at the request of Client                                                 HUF 1,500
             Order submitted via tested telefax (separate agreement with the Bank is needed)                     HUF 7,000 / month
             Interbank correspondence due to inaccurate order                                                            HUF 1,000
             Bill of exchange handling fee, only in case of collection (once)                                       HUF 15,000 / bill
             Rental of box at the branch                                                                           HUF 520 / month
             Rental of box – other fee ***                                                                              HUF 10,000
             Investigation of HUF payments (at the request of Client)
               payment (debit and/or credit)                                                                       HUF 5,000 / item
               Investigation archived payment data older than 90 days                                             HUF 10,000 / item
             Investigation of foreign currency payments (at the request of Client)
               payment (debit and/or credit)                                                                          EUR 80 / item
             Handling transit (via the Bank) foreign currency payments                                       0.15%, min. HUF 5,000
                                                                    (Bank shall charge it against the amount of the payment transfer)
             Domestic cash pool service (once)                                                                          HUF 50,000
             Domestic cash pool service monthly fee                                                     HUF 6,000 / month / account
             On-line company register extract fee                                                                        HUF 3,000
                                  7
             Administration fee                                                                                  HUF 500 / occasion
                               8
             notification fee                                                                                        HUF 200 / item
             Electronic message to the Hungarian Customs and Finance Guard (VP) of HUF transfers to VP                free of charge

3.5 ACCOUNT STATEMENT, BANK INFORMATION, CONFIRMATION
                                                                                                   9
             Account statement on paper                                   postal commission Campaign: free of charge for 31.05.2011
             Electronic account statement                                                                                     free of charge
             Sending of account statement (following account movement) by fax (daily)
               up to 3 accounts                                                                                         HUF 15,000 / month
               over 3 accounts                                                                      additional HUF 1,500 / month / account
             Account statement (SWIFT MT940)                                                                        EUR 41 / month / account
             Account statement (SWIFT MT941 / MT942)                                                                EUR 41 / month / account
             Copy of SWIFT message                                                                                              EUR 8 / item
             Reprinted or reloaded account statement
               not older than 14 days                       HUF 500 / account / statement Campaign: free of charge for 31.05.2011
               older than 14 days                                                                            HUF 2,000 / account / statement
             Bank information (however the Bank shall transfer the possibly occurring foreign information / bank costs)
               using the template of the Bank                                                                                     HUF 6,250
               using special text                                                                                               HUF 12,000


*    The Post Office will charge the commission (item fee) depending on the information requested by the Client. It is the account manager branch that can
     provide further information about the postal commissions. Express cash transfer orders are also to be considered as postal cash transfer orders.
**   It is charged for collection and payment items queued due to the insufficiency of funds, on the date when the item is removed from the queue, based on the
     number of days spent in the queue.
*** The costs to be incurred due to the loss of the key of the box shall be borne by the Renter. The fee also includes the costs of copying the keys,
     obtaining new keys and replacing the lock, invoiced by the company which breaks the box.




                                                                            7 / 65
Announcement for corporate clients



             Confirmation of exchange rate
               daily on individual request                                                                             HUF 500 / letter
               for longer period as one week on individual request                                                    HUF 2.500 / letter
               daily confirmation of exchange rate based on agreement, flowing                                       HUF 5.000 / month
             Confirmation
               for audit purposes                                                                                            HUF 12,000
               on execution of HUF orders (same day for 90 days)                                                      HUF 1,500 / item
               on execution of FCY orders                                                                                          EUR 6
                                     10
               in a separate letter                                                                          HUF 3,000 / letter / account
               from archived data older than 90 days                                                         HUF 6,000 / letter / account
               Urgent*                                                                                                HUF 5,000 / item
             Pledge transactions                                                                                  0.1%, min. HUF 1,500
             Confirmation of own recources                                                                        0.5%, min. HUF 1,000

3.6 TELEPHONE CUSTOMER SERVICES
             Information via telephone on the Corporate Client Service, and K&H SME customer service                      free of charge
             Technical support for electronic banking services                                                            free of charge
              (Electra, W1SE, K&H Corporate e-bank)


4.    ELECTRONIC SERVICES
               User administration fee                                     HUF 1,000 / occasion Campaign: free of charge for 31.05.2011

4.1 ELECTRA (MODEM BASED OR INTERNET BASED ELECTRONIC BANKING SERVICE)
             Installation                                                                                                HUF 20,000**
             Monthly fee of electronic payment services (main user)                                                  HUF 5,000 / month
             Monthly fee of electronic payment services (additional users at the same location)                      HUF 3,000 / month
             Security device (token) administration fee***                                                           HUF 7,400 / device

                                                        11
4.2 W1SE (CORPORATE INTERNET BANKING)
     4.2.1 W1SE K&H ACCOUNT MANAGEMENT
             Implementation fee                                                                                            HUF 20,000
             Monthly maintenance fee (for first client)                                                              HUF 5,000 / month
             Monthly maintenance fee (for additional joining client)                                                 HUF 3,000 / month

     4.2.2 W1SE INTERNATIONAL ACCOUNT MANAGEMENT (THE PRICING CONTAINS THE ACCOUNT MANAGEMENT OF K&H ACCOUNTS,
     AND ACCOUNTS WITH OTHER DOMESTIC AND FOREIGN BANKS.)
            Implementation fee                                                                                               150 EUR
            Monthly maintenance fee                                                                                     50 EUR / month
                                                                            12
4.3 K&H CORPORATE E-BANK (INTERNET BANKING FOR SME’S)
             Monthly fee                                                                                                  free of charge
             electronic access fee                                                                              HUF 100 / user / month
             ID device annual fee                                             HUF 1.200 / year Campaign: free of charge for 31.05.2011
             ID device replacement fee                                     HUF 1.200 / occasion Campaign: free of charge for 31.05.2011
             ID device stoppage                                                                                           free of charge
             Blocked PIN of ID device lifting                              HUF 1.000 / occasion Campaign: free of charge for 31.05.2011
             Card reader annual fee                                                                                       free of charge
             Charge of a Card reader                                                                                      free of charge
4.4 K&H E-BOX (INTERNET-BASED ELECTRONIC BANK MAILBOX SERVICE)
             Monthly fee                                                                                                free of charge
             Reloading an archived document fee                          HUF 2,000 / dokument Campaign: free of charge for 31.05.2011

4.5 K&H CORPORATE MOBILINFO
           Monthly fee                                                                                                HUF 200 / month
           Fee per message****                                                                                  HUF 20 / SMS message
           Fee of detailed statement                                                                             HUF 1,000 / statement
        (message turnover and listing of Mobilinfo orders for the requested period)



* Urgent confirmation means that the confirmation is issued within 1 hour from the request.
** free of charge if the installation is performed by the customer
*** It is charged at new issue of the security device (token) and also at replacement
**** The Bank will charge at end of momth




                                                                            8 / 65
Announcement for corporate clients




5.    OTHER SERVICES

5.1 SAFE DEPOSIT BOX SERVICES


   Upper limit of                                                 Fee, HUF/month
  indemnification                                                                                                                          Due
      liability           Safe deposit box size “A”          Safe deposit box size “B”          Safe deposit box size “C”

     HUF 500,000                HUF 860 + VAT                      HUF 940 + VAT                     HUF 1,040 + VAT               as per the contract

  HUF 1,000,000                HUF 1,300 + VAT                    HUF 1,380 + VAT                    HUF 1,460 + VAT               as per the contract

  HUF 2,000,000                HUF 1,620 + VAT                    HUF 1,760 + VAT                    HUF 1,860 + VAT               as per the contract

  HUF 5,000,000                HUF 2,700 + VAT                    HUF 2,800 + VAT                    HUF 2,900 + VAT               as per the contract

 HUF 10,000,000                HUF 5,400 + VAT                    HUF 5,600 + VAT                    HUF 5,820 + VAT               as per the contract


If required, K&H Bank also offers safe rental agreements for amounts exceeding the above limit for indemnification liability. In such cases,
irrespective of the size of the safe box, after every HUF 100,000 over the HUF 10,000,000 indemnification liability limit, an additional fee of
HUF 100 + VAT shall be payable on top of the fee charged for HUF 10,000,000 limit.

Safe deposit box size:
                                        “A” (small size)                 0 - 100 mm height
                                        “B” (medium size)              101 - 250 mm height
                                        “C” (large size)               251 -     mm height

Other expenses: the expenses incurring when the safe key is lost shall be charged to the Lessee to HUF 10 000 + VAT and the cost
of breaking up the safe deposit box (charged by external company).

Liable custody cost reimbursement: HUF 500 + VAT / month*
K&H safe key in deposit: free of charge

The bank opens K&H corporate safe deposit box account.
   Minimum opening amount: as per General Terms and Conditions for safe deposit boxes (at least three months’ safe rental fee)
   Interest rate: 0%
   Cash deposit: free of charge
The conditions pertaining to services not listed below shall be identical with those stipulated in the current, effective Announcement for Corporate
Clients.




Comment: july 01, 2009: rate of VAT 25%


*In case the Bank assumes custody due to the opening of a safe for security/administrative reasons, it charges a fee for each month commenced




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Announcement for corporate clients



6.   DOCUMENTARY DEALS
6.1 EXPORT COLLECTION
          Sending of drafts and documents for collection to be delivered against payments/acceptance     0.25%, min. EUR 35
          Documents sent back without payment,
          Release of documents without payment                                                            0.2%, min. EUR 35
          Urging settlement, payment, acceptance                                                            EUR 8 / occasion
          Modification                                                                                               EUR 35
          One-time information from the buyer’s bank abroad over the phone about the outcome              EUR 20 / phonecall
          Status overview, detailing all of client’s documentary collections, both
           outstanding and those which have been concluded within the last month                             EUR 40 / month
                                                                                13
          Compensation fee – should the Bank fail to meet an agreed commitment                           EUR 35 / transaction
6.2 IMPORT COLLECTION
          Settlement                                                                                     0.25%, min. EUR 35
          Release of documents without payment, or their return                                          0.2 %, min. EUR 35
          Urging settlement, payment, acceptance on third or any consequent occasion l                      EUR 8 / occasion
          Modification                                                                                               EUR 35
          Release of goods arrived at disposal/address of Bank
           (in addition to collection commission)                                                         0.30%, min. EUR 35
          Safe keeping of Bill of Exchange                                                                           EUR 35
6.3 EXPORT LETTER OF CREDIT
          Pre-advice on L/C                                                                                             EUR 40
          Advice on opening and increase of L/C                                                              0.15%, min EUR 40
          Pre-examination of documents                                                                                  EUR 40
          Handling and examination of documents                                                             0.20%, min. EUR 40
          Modification (exept for increase and confirmed L/C extension)                                                 EUR 35
          Handing over of the L/C to another institute                                                                EUR 100
          Confirmation of L/C (also at increase and prolongation in addition to the commission of advice)
                                                                                                according to separate agreement
          Undertaking of payment obligation in case of deferred payment export L/C / bill acceptance
           (in addition to other commission) for the entire period of the obligation            according to separate agreement
          Transfer of L/C (in addition to other commission)                                                 0.20%, min. EUR 40
          Assignment of the L/C                                                                              0.15%, min EUR 40
          Advice on the assignment of L/C (pre-registration, performance of payment per beneficiary)                    EUR 40
          Discount of deferred payment L/C                                                     according to separate agreement
          Management of documents different from the stipulation (to the debit of the beneficiary)                      EUR 60
                                     14
6.4 IMPORT LETTER OF CREDIT
           Opening, increase, extension of L/C                                               according to separate agreement
           Handling and examination of documents                                                          0.20%, min. EUR 40
           Modification (except for increase and extension)                                                           EUR 40
           Undertaking of payment obligation in case of deferred payment import L/C,
           (in addition to other commission), for the entire period of the obligation         according to separate agreement
           Issuance of special L/C                                                           according to separate agreement
           Draft making (free of charge via Flexims)                                                                  EUR 40
6.5 DOMESTIC LETTER OF CREDIT
           See costs and charges of “7.3 Export L/C and 7.4 Import L/C”!
                    14
6.6 GUARANTEES
           Issuance, increase, extension (projected to amount)                                according to separate agreement
           Record and track guarantees issued for our clients by other banks but not used as collateral
                                                                                           0.15%, min. EUR 40, max. EUR 1,000
           Modification of guarantee
            (except for increase, and prolongation in case of undertaking of Bank obligation)                           EUR 35
           Claim                                                                                           0.20%, min. EUR 40
6.7 OTHER
           Banker’s correspondence due to incorrect order                                                     EUR 20 / item
           Consultancy concerning wording of a banker’s instruments (guarantee, L/C, etc.)
            (Direct written consultancy for Client request)                                                EUR 40 / occasion
           Urging by customer in written request                                                                    EUR 20
           FLEXIMS Internet based service to documentary deals                                                free of charge
           FLEXIMS Card replacement fee*                                         Card replacement fee of K&H Visa Business
           SWIFT related to documentary deals                                                         HUF 1.000 / message
           Postage related to documentary deals                                                             HUF 600 / item
           Courier related to documentary deals                                                    according to courier tariff
           Fax charge related to documentary deals                                                          HUF 300 / page
     * new service from 11.03.2011

                                                                10 / 65
Announcement for corporate clients


7.   FEES AND COMISSIONS RELATED TO LENDING ACTIVITIES
7.1 GENERAL FEES AND COMMISSIONS RELATED TO ACTIVE BANKING SERVICES
          Assessment fee (based on the amount)                                                 according to separate agreement
          Fee of project-control                                                               according to separate agreement
          Urgent handling fee in case of urgent decision request
           (based on the amount of facility which is under the urgent assessment process)       according to separate agreement
          Contracting fee (based on the amount committed)                                      according to separate agreement
          Commitment fee                                                                       according to separate agreement
           (based on the amount non-utilised)
          Contract amendment fee                                                                        1.0%, min. 30,000 HUF
            (negotiable if the basis for calculation cannot be determined, but in any case min. 30,000 HUF)
          Collection fee                                                                                1.0%, min. 30,000 HUF
                                           15
          Administration fee (TakarNet)                                                                              HUF 2,510
                                           16
          Administration fee (TakarNet)                                                                              HUF 3,510
                                                                                                  17
          Administration fee of credit report request (CCIS - Central Credit Information System)                     HUF 5,000
7.2 FEES AND COMMISSIONS RELATED TO LOANS
     The Bank charges a fee on loans under the applicable loan contract. Unless otherwise stipulated by the Bank, the loan fee is made
     up of the following components:
            Loan interest (reference rate + risk premium (spread), where the reference rate is a public interest rate applied on the
            domestic or foreign money markets, e.g. BUBOR, LIBOR, EURIBOR, K&H Base Rate, other reference rate specified by the
            refinancing financial institution, NBH base rate, etc.), which is negotiable, subject to transaction and counterparty risk, the term
            and any applicable laws. Unless expressly otherwise provided by the parties, the interest of loans recorded in HUF and the
            interest of loans converted into HUF equal to the actual K&H Base Rate.
            Credit commitment fee
            (based on the amount of facility which is defined in the binding offer)                  according to separate agreement
            Disbursement fee (based on the amount disbursed or limit set)                           according to separate agreement
            (debited at the time of disbursement)
            Handling fee                                                                            according to separate agreement
            Administration cost (based on the repaid or utilised amount)                                      1.0 %, min. 30,000 HUF
            Pre-payment charge (based on the repaid amount)                                         according to separate agreement
            Other fees                                                                              according to separate agreement
7.3 ANNOUNCEMENT ITEMS RELATED TO HDB-REFINANCED LOANS
     Pursuant to the credit agreements the Bank will apply for the HDB-refinanced loans the refinancing interest margins charged by
     HDB and the conditions specified in the particular credit programme. The current rates of the refinancing interest margin and other
     conditions are specified in Annex 5.
7.4 FEES CHARGED BY INSTITUTIONAL GUARANTORS
     For credit agreements involving institutional guarantors, the Bank will use the fees published in the current Announcement of the
     respective institutional guarantors, as specified in the credit agreements. You can find the current Announcements of Garantiqua
     Creditguarantee Co. Ltd. and Rural Credit Guarantee Foundation and Venture Finance Hungary Private Limited Company in
     Annexes 6 and 7, respectively.
7.5 INTEREST RATE CHARGED ON LATE PAYMENTS RELATED TO LOAN CONTRACTS
     In terms of HUF and FCY loans, for the amount not paid by the due date:
      (a) interest rate for late capital repayment: deal interest rate according to the contract + annual 6% default interest,
      (b) interest rate for late deal interest: annual 6% default interest.
7.6 GUARANTEE FEES
     (in case of guarantees and guarantee promissory notes related to active banking services)
     The Bank shall charge guarantee / guarantee commitment fee based on the guarantee / guarantee promissory note contract. The
     guarantee / guarantee commitment fee shall be specified on the basis of individual agreement, depending on the risk of the deal and
     Client, term and the possibly applicable legal regulations.
7.7 DEFAULT INTEREST RATE RELATED TO GUARANTEE CONTRACTS
           Overdue HUF loans: K&H Base Rate + 6% p.a.
           Overdue foreign currency loans only for the contracts dated before 01.06.2010 : benchmark money market rate (LIBOR,
           EURIBOR, etc.) + 6% p.a.
           Overdue foreign currency loans only for the contracts dated after 31.05.2010 :
             benchmark money market rate (LIBOR, EURIBOR, etc.) + guarantee fee % + 6% p.a.
             In case the guarantee fee is not determined in %: benchmark money market rate (LIBOR, EURIBOR, etc.)+1,5% p.a+6% p.a.
                                                          18
7.8 FEES RELATED TO DOMESTIC BILLS OF EXCHANGE
           Discount interest rate                                         negotiable, subject to transaction and counterparty risk
           Handling fee in case of discounting (based on the nominal value of the bill)               0.2%, min. 30,000 HUF / bill
           Administration fee                                                           discount rate + 1%, min. 30,000 HUF / bill
           (only in case of repurchase of bill, based on the nominal value of bill)
           Other fees (e.g. fee of bill-collateral)                                             according to separate agreement
7.9 EXCHANGE RATE TO ACTIVE BANKING SERVICES
          disbursement                                                    FX II. buy rate of valid for day of disbursement
          repayment                                                         FX II. sell rate of valid for day of repayment
          fees and commissions emerged in FCY, charged in HUF                           FX I. middle rate of valid when due
          fees and commissions emerged in FCY, charged in FCY (with conversion)          FX II. sell rate of valid when due

                                                                   11 / 65
  Announcement for corporate clients




   8.    ON THE CONDITIONS OF BANKCARD SERVICES
  8.1 ON THE CONDITIONS OF BUSINESS BANKCARD SERVICES
                                             Effective: as of DEC 17, 2010

                                                       K&H Visa Business                                         K&H MasterCard             K&H Entrepreneurs
                                                                                   K&H Visa Business
                                                             Gold                                                  Business                     Maestro
Conditions for application
Status                                                Resident or non-resident
                                                      An HUF or FX account opened at the Bank / an HUF or FX Attorne deposit - K&H separated
Account type
                                                      account
Opening amount                                        Same as the annual bankcard fee
Interest rates and fees concerning bankcard cover
Interest rate calculation                             As specified in the interest rate conditions of the bank account supporting the use of the
                                                      bankcard
Fee of cover separation                               Free of charge
                                                      As specified in the interest rate conditions of the bank current account supporting the use of
Interest rate calculation on negative balance
                                                      the bankcard
Currency of cross-settlement with the card                  EUR in case of EUR transaction
                                                                                                                            EUR
company                                                                 further USD
Fees and charges
Annual bankcard fee                                         HUF 20 000                   HUF 8 000              HUF 8 000                        HUF 2 000
                  k1
Card stopping fee                                           HUF 15 000                   HUF 15 000             HUF 15 000                       HUF 2 500
Card replacement fee                                        HUF 3 000                    HUF 3 000              HUF 3 000                        HUF 1 000
                                k2
PIN reprint or modification fee                                                                 HUF 100 / occasion
                                                                                                                  K6
Card by mail                                                                                   Postal commission
                     k5
Card or PIN storing by the bank                                                                      HUF 200
Urgency fee of card production                                                                 Service not available
Fee of purchase
In Hungary and in Abroad                                                                             Free of charge
Fee of cash withdrawal
Abroad                                                                                            1,0 % + HUF 1 100
In Hungary
At K&H ATM (HUF)                                                                                0,2 % (min. HUF 200)
At K&H ATM (EUR)                                                                                   1,0 % + HUF 500
At K&H branch                                                                                   0,22 % (min. HUF 350)
At non-K&H ATM                                                                                     0,2 %+ HUF 300
In non K&H branches or other cash
                                                                                                   0,2 %+ HUF 350
withdrawal places (in post office)
Fee of cash deposit through K&H ATM                                                                  Free of charge
Fee of balance inquiry through K&H ATM                                                                Not allowed
Other service charges on bankcards
Emergency bank card replacement abroad                                                   HUF 50 000                 HUF 50 000
Urgent cash withdrawal abroad                             Free of charge                 HUF 35 000                 HUF 35 000
Provision of foreign emergency services                                                  HUF 10 000                 HUF 10 000             Service not available
                                 k3
Travel insurance services abroad                                                        Free of charge
Bankcard usage limits
Maximum number of cash withdrawals in
                                                                                              20 banknotes/transaction
K&H ATM
Limit of ATM cash withdrawal                                                                      5 transactions/day
Maximum number of (ATM and POS) cash
                               k4                       HUF 250 000 / day           HUF 100 000 / day           HUF 200 000 / day            HUF 250 000 / day
withdrawals (standard setting)
Total amount of purchases (standard                    Available balance of        Available balance of                                     Available balance of
         k4                                                                                                     HUF 300 000 / day
setting)                                                  bank account                bank account                                             bank account
Validity of bankcard                                                                                     3 years
                       BANKCARDS NOT RECEIVED BY THE OWNER WILL BE AUTOMATICALLY CANCELLED AFTER 90 DAYS
  k1. Including the fee of replacement card in case of lost or stolen cards.
  K2. Service can be applied for if the PIN code has been lost or forgotten by the Client. The PIN is the same as the original PIN issued with the bankcard, except
       after PIN modification. In case of PIN modification the PIN envelope will contain the last modification.
  K3. This insurance will be valid for all countries of the world except for Hungary or – in the case of an insured foreign citizen – the country of permanent
       residence, if the period of one journey may not exceed 30 days. Details of the insurance service is in different guide.
  K4. Accountholder may request a different limit amount suitable for their specific needs. Maximum cash withdrawal limit is HUF 1 000 000/ day. For purchase the
       total balance on the account is available.
  K5. PIN delivery and storing fee will be charged by the bank only after 01 June 2011.
  K6. This fee is the non-priority, standard letter up to 50g by announcement of Magyar Posta
  K7. See details int he end of current appendix (Exchange rates used when debiting bankcard transactions)
                                                                              12 / 65
Announcement for corporate clients



8.2 ON THE CONDITIONS OF BUSINESS CREDIT CARD SERVICES
                                            Effective: as of Sept 20, 2010
                                                                                    K&H MasterCard Business credit card
Account-related interest and charges
                                     k1
    Monthly credit interest rate                                                                         1,9 %
                           k17
    Default interest                                                                                      6%
    Sight deposit rate                                                                                    0%
                                          k2
    Minimum repayment amount                                                                             10 %
                      k3
    Past due fee                                                                                      HUF 2 000
                      k4
    Over limit fee                                                                                    HUF 2 000
                      k5
    Grace period                                                                                   15 calendar days
    APR (Annual Percentage Rate)                                                                        25,41 %
                                      k6
    Available settlement periods                                                                  5th day of the month
    Automatic repayment fee for the minimum repayment amount                                        Free of charge
                                                                  k7
    Automatic repayment fee for the total outstanding credit                                 1.3 %, but at least HUF 200
                                               k16
Card-related fees and charges
                                k8
 Annual bankcard fee                                                                                  HUF 9 000
                           k9
 Card stopping fee                                                                                    HUF 15 000
 Card replacement fee                                                                                 HUF 3 000
                                     k10
 PIN reprint or modification fee                                                                  HUF 100 / occasion
                                                                                                                     k20
 Card by mail                                                                                   Postal commission
                                      k19
 Card or PIN storing by the bank                                                                       HUF 200
                                               k21                                                                   k20
 Paper based credit card statement                                                              Postal commission
 Urgency fee of card production                                                                  Service not available
POS commissions
 In Hungary and in Abroad                                                                           Free of charge
                                     k11
Cash withdrawal charges
 Abroad                                                                                            1 % + HUF 1 000
                k16
In Hungary
 At K&H ATM
 At K&H branch
                                                                                             2 %, but minimum HUF 700
 At non-K&H ATM
 In non K&H branches or in post office
Cash deposit charge through K&H ATM                                                                 Free of charge
Balance inquiry charge through K&H ATM                                                           Service not available
                                                     k16
Charges for other bankcard services
Emergency bank card replacement abroad                                                                HUF 50 000
Urgent cash withdrawal abroad                                                                         HUF 35 000
Provision of foreign emergency services                                                               HUF 10 000
                                           k12
Travel insurance services abroad                                                                    Free of charge
                          k13
Branch statement storage                                                                          Service not available
                                                            k18                  Included in the conditions of the credit card Mobilinfo
Monthly fee of credit card Mobilinfo service and SMS fee                                                 service
Card usage limits
 Maximum number of banknotes deposited through K&H ATM                                         20 banknotes/transaction
 Maximum number of cash withdrawals                                                               5 transactions/day
                                                           k14
 Cash withdrawal (ATM and POS) limit (default setting)                                             HUF 200 000/day
                                    k14
 Purchases limit (default setting)                                                                 HUF 300 000/day
 Validity of bankcard                                                                                  3 years
                                       k15
 Credit limit weekly (default setting)                                                               Credit line
                                        k15
 Credit limit monthly (default setting)                                                              Credit line


                            Cards not taken over by the applicant are automatically destroyed after 90 days




                                                                       13 / 65
Announcement for corporate clients




K1.    Calculation is based   nt he used portion of the credit line, and is done daily.
K2.    The minimum repayment amount includes:
       - the minimum repayment amount calculated for the credit line portion used in the given settlement period,
       - and the minimum repayment amounts unpaid in the previous periods.
       If, based on the used portion of the credit line, the minimum repayment amount is below HUF 1 000, then the Account-holder will
       have no minimum repayment obligation for the given due date, i.e. no default fee will be charged if the minimum repayment
       amount remains unpaid.
K3.    A past due fee charged for a default in payment, and to be paid in case the repayment instalment of the Account-holder is not
       credited to the credit card account by the due date. When placing deposits, especially via postal transfers, please always consider
       the run-through time of the given form of deposit.
K4.    Over limit fee to be paid on each occasion of a credit line excess. In certain cases, the credit card operating system allows the
       cardholder to exceed the set credit line. The Bank will do its best to prevent this, but the cardholder shall be exclusively
       responsible for any and all credit line excesses.
K5.    The grace period (15 calendar days) after the settlement period whose last day is the due date. If the debt is settled in full by the
                                                                                         16
       due date, the Bank will not charge any interest nt he purchase and purchase type transactions of the given settlement period.
K6.    If the account statement date is a banking holiday, the settlement date shall be equivalent to the first banking day following the
       given account statement date. The settlement period chosen cannot be amended!
K7.    The automatic repayment fee shall be charged at the end of the settlement period, and the fee increases the credit line usage.
K8.    Maximum 4 credit cards may be issued for one credit card-account!
K9.    Including the card replacement fee for a lost or stolen card.
K10.   The PIN is the same as the original PIN issued with the bankcard, except after PIN modification. In case of PIN modification the
       PIN envelope will contain the last modification.
K11.   Interest will be charged immediately on any cash amount withdrawn with the credit card!
K12.   This insurance will be valid for all countries of the world except for Hungary or – in the case of an insured foreign citizen – the
       country of permanent residence, if the period of one journey may not exceed 30 days. Details of the insurance service is in
       different guide.
K13.   Branch statement storage is only available for credit card account holders having a branch P.O. box at K&H.
K14.   Accountholder may request a different limit amount suitable for their specific needs Maximum cash withdrawal limit is HUF
       500 000/ day. The maximum purchase limit is the available credit balance.
K15.   Accountholders may request the Bank to set different card usage limits as suitable for their needs. The maximum cash withdrawal
       limit is HUF 500,000, while the maximum purchase limit equals the credit line amount.
K16.   From the perspective of interest this fee qualifies as a purchase type transaction.
K17.   In case of late payment, the interest charged after the termination of the contract by the Bank shall contain the following:
       - the transaction and default interest payable on the principal debt
       - and the default interest payable on the transaction interest.
K18.   Mobilinfo monthly fee charged once a month, upon closing the credit card account cycle (when statement is prepared)

K19.   The PIN delivery and storing fee will be charged by the bank only after 01 June 2011.
K20.   This fee is the non-priority, standard letter up to 50g by announcement of Magyar Posta
K21.   The paper based credit card statement fee will be charged by the bank only after 01 November 2010




                                                                   14 / 65
Announcement for corporate clients




8.3 LIST OF PARTNERS CONTRIBUTING TO BANKCARD SERVICES OFFERD BY K&H BANK

     Based on the authorization granted by cardholders upon signing bankcard and credit card contracts, K&H Bank shall
     be allowed to disclose, during the term of the aforementioned bankcard or credit card contracts, the personal data of
     cardholders as per Act LXIII of 1992 “On the Protection of Personal Data and the Publicity of Data of Public Interest”,
     as well as the cardholders’ data qualifying as bank secrets in accordance with Act CXII of 1996 “On Credit Institutions
     and Financial Enterprises”, to the following third parties and only with the purpose of meeting K&H Bank’s contractual
     obligations:
      International card associations
         -    VISA International Inc.
         -    MasterCard International Inc.
      Organizations involved in the issuing and distribution of bank cards
         -    Oberthur Card Systems
         -    Xerox Hungary Kft.
         -    Compuworx Kft.
      The Bank’s contractual partners
         -    AVIS Rent a Car Ltd.
      In case of bank card-linked insurance
         -    K&H Biztosító Zrt.
         -    Europ Assistance Magyarország Kft. (the Insurance Company’s partner is setting insurance claims)

8.4 USE OF K&H BUSINESS BANKCARDS AND CREDIT CARDS

Transaction types                                                  K&H Entrepreneurs Maestro
                          In Hungary and abroad:
                          POS terminals displaying the edc / Maestro logo.
POS terminals
                                                          Electronically (at POS terminals) and e-shopping.
E-shopping                                     This product can only be used with K&H internet merchants in Hungary.
Internet gambling                                           This product cannot be used for internet gambling.
                          In Hungary and abroad:
Cash withdrawal
                           In ATMs displaying the Maestro logo.
                          At cash desks of financial institutions displaying the Maestro logo and at post offices.
                           Cash withdrawals can be made from ATMs, in selected bank branches and in post office– in some cases the PIN
Cash in-payment
                                                                          must also be provided.
Balance enquiry                                                            Service not available
Mobile top-up                                        In ATMs displaying the K&H logo and offering this function.



                                         K&H Visa Business /                                     K&H MasterCard Business/
Transaction types
                                       K&H Visa Business Gold                              K&H MasterCard Business credit card
                          In Hungary and abroad:                                   In Hungary and abroad:
                                 POS terminals displaying the Visa logo.                POS terminals displaying the MasterCard logo.
POS terminals
                           They can be used to make purchases at merchants equipped with an electronic card-reader (POS terminal) or a
                                                        traditional (manual) card imprinter and in Internet.
E-shopping                               This product can be used with all domestic and international internet merchants.
Internet gambling                                          This product cannot be used for internet gambling.
                          In Hungary and abroad:                                      In Hungary and abroad:
Cash withdrawal            In ATMs displaying the Visa logo.                          In ATMs displaying the MasterCard logo.
                           At cash desks of financial institutions displaying the  At cash desks of financial institutions displaying the
                              Visa logo and at post offices.                              MasterCard logo and at post offices.
                           Cash withdrawals can be made from ATMs, in selected bank branches and in post office– in some cases the PIN
Cash in-payment
                                                                         must also be provided.
Balance enquiry                                                           Service not available
Mobile top-up                                        In ATMs displaying the K&H logo and offering this function.




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    Announcement for corporate clients




    8.5 EXCHANGE RATES USED WHEN DEBITING BANKCARD TRANSACTIONS


                                                                                                                          K&H rates (applicable on
                                      Currency of            Currency of settlement           Currency of the bank
   Card type in transaction                                                                                               date of processing of the
                                      transaction            with card association *                account
                                                                                                                          transaction by the Bank)

                                     For withdrawals or purchases in HUF in Hungary or abroad at non-K&H acquirers

                                                                                           Foreign currency            K&H purchase exchange rate I.
                                                             transaction in Hungary: HUF
   Visa Electron / Visa                   HUF
                                                               transaction abroad: USD
                                                                                           HUF**                       no conversion



                                                                                           Foreign currency            K&H purchase exchange rate I.
                                                             transaction in Hungary: HUF
   Maestro / MasterCard                   HUF
                                                               transaction abroad: EUR
                                                                                           HUF**                       no conversion

                                  For withdrawals or purchases NOT in HUF in Hungary or abroad at non-K&H acquirers

                                                                                           EUR                         no conversion
                                                                        EUR
                                          EUR                                              USD/ other currency         K&H cross rate

   Visa Electron / Visa                                                                    HUF                         K&H sales exchange rate I.

                                          USD                                              EUR / other currency        K&H cross rate

                                                                        USD                USD                         no conversion
                                     other currency                                        HUF                         K&H sales exchange rate I.


                                          EUR                                              EUR                         no conversion
   Maestro / MasterCard                   USD                                              USD / other currency        K&H cross rate
                                                                        EUR
                                     other currency                                        HUF                         K&H sales exchange rate I.



* If the transaction currency and the settlement currency of the card association (Visa and MasterCard) differ, the card association will convert
the transaction amount using its own exchange rate.
** In the event of internal transaction if the transaction currency and the account currency are identical, the original transaction amount will be
debited on the account.


                                      Transactions at K&H acquirers using bankcard issued by K&H Bank


                                                                                                                         K&H rates (applicable on
                                                              Currency of settlement        Currency of the bank
   Card type in transaction     Currency of transaction                                                                  date of processing of the
                                                              with card association               account
                                                                                                                         transaction by the Bank)

                                                                                           EUR                         no conversion

                                           EUR                           EUR               USD / other currency        K&H cross rate

                                                                                           HUF                         K&H sales exchange rate I.

                                                                                           EUR/ other currency         K&H cross rate
   Visa Electron / Visa
   Maestro / MasterCard                    USD                           USD               USD                         no conversion

                                                                                           HUF                         K&H sales exchange rate I.

                                                                                           Foreign currency            K&H purchase exchange rate I.
                                           HUF                           HUF
                                                                                           HUF                         no conversion



Example for calculating cross rate

Example of the EUR/USD cross rate:
Step 1: sell EUR for HUF at the K&H FX I. sales exchange rate
Step 2: buy USD for HUF at the K&H FX I. purchase exchange rate




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 Announcement for corporate clients




 II.          ACCOUNT PACKAGE SERVICES
                                           20
  1.     ACCOUNT PACKAGES
 1.1. K&H FLEXIBLE ACCOUNT PACKAGE *
                                                                                                        EFFECTIVE: AS FROM 11. APRIL 2011
ACCOUNT TURNOVER CATEGORY                                           CATEGORY A                              CATEGORY B                            CATEGORY C                            CATEGORY D                              CATEGORY E
LIMITS OF MONTHLY ACCOUNT TURNOVER                              0 – 10,000,000 HUF                 10,000,001 – 20,000,000 HUF          20,000,001 – 40,000,000 HUF           40,000,001 – 60,000,000 HUF                 ABOVE 60,000,001 HUF
TERMS AND CONDITIONS
 PACKAGE FEE                                           6,000 HUF / month              5,000 HUF / month                                       3,000 HUF / month                     2,000 HUF / month                          0 HUF / month
 K&H HUF BANK ACCOUNT
                                                             no fee                          no fee                                                   no fee                                no fee                                  no fee
    monthly account management fee
 Ad hoc (nor regular) HUF bank transfer started from a HUF account to be executed promptly or on the value date
    - intrabank
               electronic                                              no fee                                  no fee                                no fee                                no fee                                  no fee
       - outgoing transfer via GIRO
               electronic                                    no fee in case of the first 5          no fee in case of the first 10        no fee in case of the first 10        no fee in case of the first 15          no fee in case of the first 20
                                                              transactions every month**             transactions every month**            transactions every month**            transactions every month**              transactions every month**

                                                                                                                                                                             no fee in case of the first transaction      no fee in case of the first 2
       fee of HUF cash deposit                                  as defined in point I.1.                as defined in point I.1.             as defined in point I.1.
                                                                                                                                                                                         every month                 transactions every monthtransaction


                                                                                                                                                                             no fee in case of the first transaction      no fee in case of the first 2
       fee of HUF cash disbursement                             as defined in point I.1.                as defined in point I.1.             as defined in point I.1.
                                                                                                                                                                                         every month;                     transactions every month,

                                                                no fee in case of K&H                   no fee in case of K&H                 no fee in case of K&H                 no fee in case of K&H                   no fee in case of K&H
       Current annual fee of bankcard ordered for ENTREPRENEUR MAESTRO, 50% ENTREPRENEUR MAESTRO, 50% ENTREPRENEUR MAESTRO, 50% ENTREPRENEUR MAESTRO, 50% ENTREPRENEUR MAESTRO, 50%
       the first time                             of the amount defined in point I. 8.1. of the amount defined in point I. 8.1. in of the amount defined in point I. 8.1. of the amount defined in point I. 8.1. of the amount defined in point I. 8.1.
                                                            in case of K&H MASTERCARD               case of K&H MASTERCARD               in case of K&H MASTERCARD             in case of K&H MASTERCARD               in case of K&H MASTERCARD
       HUF cash withdrawal from K&H ATM by               no fee in case of the first transaction      no fee in case of the first 2         no fee in case of the first 2         no fee in case of the first 5           no fee in case of the first 5
       means of bankcard                                             every month                      transactions every month              transactions every month              transactions every month                transactions every month

 K&H ENTPRENEUR E-BANK
                                                                as defined in point I.1.                as defined in point I.1.          no fee in case of the first user    no fee in case of the first 2 users      no fee in case of the first 2 users
   fee of electronic access
 K&H CORPORATE MOBILINFO monthly fee                                    no fee                                  no fee                                no fee                                no fee                                  no fee
 K&H ENTPRENEUR E-BANK monthly fee                                      no fee                                  no fee                                no fee                                no fee                                  no fee
 ELECTRA SERVICE monthly fee                                            no fee                                  no fee                                no fee                                no fee                                  no fee
 K&H COMPANY LINE SERVICE                                               no fee                                  no fee                                no fee                                no fee                                  no fee
    fee of the ePIN code necessary



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*      A client may only have one K&H flexible account package at a time. The K&H flexible account package can only be requested for a HUF current account. The effective category of the account package is
       automatically defined monthly based on the account turnover conducted on the bank account with the K&H flexible account package. The volume of the account turnover is defined only based on the
       aggregate turnover of the bank account with the K&H flexible account package and the related card cover accounts. After the category of the account package is defined, the fee rates related to the category
       will not change during the validity period.
       The volume of the account turnover is examined on the 15th day of every month or – if it is not a business day of the Bank – on the following business day of the Bank. The category defined based on the
       account turnover enters into force on the following business day of the Bank and remains effective until the next review date. The package fee related to the given category will be debited on close at the end
       of the month. When the volume of the account turnover is defined, all the effectively booked incoming and outgoing payment transactions conducted on the current account with the flexible account package
       and the related card accounts will be taken into account, with the HUF and FX turnover included, except for the book transfers between the client’s own accounts (at our bank branches you can request
       detailed information about the transaction types taken into account when defining the category).
       NEW clients*** requiring the account package can opt for package categories as follows:

                If you opt for category B, the account package will only be included in a higher category based on the examination of the account turnover, for 12 months following the opening of the account, and
                 it will not be transferred back to a lower category (A). Based on the account turnover, the account package can be included in category A only after the volume of the account turnover is examined
                 in the 13. month following the month of opening of the account.
                If you opt for category C, the account package will only be included in a higher category based on the examination of the account turnover, for 6 months following the opening of the account, and it
                 will not be transferred back to a lower category (A or B). Based on the account turnover, the account package can be included in category A or B only after the volume of the account turnover is
                 examined in the 7. month following the month of opening of the account.
                Initial categories other than the above cannot be chosen.
       In case of EXISTING, ALREADY ACCOUNT-MANAGED clients**** requiring the account package, category B will be set as follows:

                for 12 months following the opening of a HUF bank account held on the date of applying for the package or a HUF bank account last closed over the past 365 days, the account package will only
                 be included in a higher category based on the examination of the account turnover and it will not be transferred back to a lower category (A). Based on the account turnover, the account package
                 can be included in category A only after the volume of the account turnover is examined in the 13. month following the month of opening the account.
       All the services included in the package and at least one of the electronic banking services (K&H Entrepreneur E-bank and Electra) must be used.

**     Only transfer orders started via K&H Entrepreneur E-bank or Electra are free of charge.
***    NEW clients are companies with no HUF bank account with our Bank within 365 days before, and when, they apply for the package
****   EXISTING, ALREADY ACCOUNT-MANAGED clients are companies with a HUF bank account with our Bank within 365 days before, or when, they apply for the package

The terms and conditions of the services not indicated above correspond to those specified in Section I of the Announcement.




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1.2. K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES
                                                             EFFECTIVE: AS OF JULY 29, 2009


                                                               K&H START ACCOUNT              K&H ACTIVE ACCOUNT          K&H DYNAMIC ACCOUNT
                                                                    PACKAGE                        PACKAGE                      PACKAGE

  ACCOUNT PACKAGE FEE                                              HUF 390 / month                HUF 5 500 / month            HUF 2 990 / month

  ACCOUNT PACKAGE FEE WITH INSURANCE*                              HUF 790 / month                HUF 5 900 / month            HUF 3 390 / month


 THE CONTENTS OF PACKAGES

  K&H HUF CURRENT ACCOUNT

         Current account management fee                              free of charge                  free of charge               free of charge

         Domestic transactions in HUF
         - Intrabank payment orders
               paper based ****                                 0.11% min. HUF 165             0.11% min. HUF 165            0.11% min. HUF 165

               electronic                                           free of charge                  free of charge               free of charge

         - Outgoing payment orders via GIRO

               paper based ****                                 0,24% min. HUF 400              0,18% min.HUF 250             0,2% min. HUF 400

                                                              The first 5 transaction are The first 20 transaction are     The first 10 transaction are
               electronic                                     free of charge / month,      free of charge / month,           free of charge / month,
                                                              from the 6th transaction: from the 21th transaction:          from the11th transaction:
                                                               0.18% min. HUF 180 **        0.12% min. HUF 180 **            0.15%, min. HUF 180 **

         Cash in (HUF)                                           0.03% min. HUF 140             0.03% min. HUF 140            0.03% min. HUF 140


   THE TYPE OF THE PREFERENTIAL                                      The first K&H            The first K&H Mastercard      The first K&H Mastercard
   BANKCARD                                                     Entrepreneurs Maestro                  Business                      Business


         The preferential bankcard annual fee                        free of charge                  free of charge               free of charge

                                                                                                    The first 2 HUF
         Fee of cash withdrawal at K&H ATM                     The first HUF transaction                                  The first 2 HUF transaction is
                                                                                       19        transaction is free of                            19
         with the preferential bankcard                       is free of charge / month                            19       free of charge / month
                                                                                                   charge / month

   Monthly fee of
                                                                     free of charge                  free of charge               free of charge
   K&H CORPORATE MOBILINFO

  Monthly fee of
                                                                     free of charge                free of charge ***           free of charge ***
  K&H CORPORATE E-BANK

   Monthly fee of
                                                                           n/a                     free of charge ***           free of charge ***
   ELECTRA


  K&H SME CUSTOMER SERVICE
                                                                     free of charge                  free of charge               free of charge
     ePIN fee


     *           You can request account package with “Insurance 2” (see Information sheet on insurance packages connected to service packages).
     **          via only K&H corporate e-bank and Electra.
     ***         Ordening at least one electronic services is mandatory.
     ****        including execution of collection / authority payment / warrant payment

Terms and conditions not shown above are identical to those stipulated in sections I. of the Announcement.




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1.3. K&H LEGAL ACCOUNT PACKAGE

                                                              EFFECTIVE: AS OF SEPT 20, 2010


                                         E-BANK                            BUSINESS TERMINAL                               TRADITIONAL
                            CURRENT               DEPOSIT               CURRENT                DEPOSIT              CURRENT              DEPOSIT
                            ACCOUNT              ACCOUNT **             ACCOUNT               ACCOUNT **            ACCOUNT             ACCOUNT **
      K&H current
      account
                                 *                  0 HUF                    *                  0 HUF                  *                   0 HUF
      management
      fee
      HUF transfer –
      paper based
                                 0.16%, min. HUF 350                        0.16%, min. HUF 350                       0.14%, min. HUF 280
      ******
         interbank
        intrabank                0.13%, min. HUF 240                        0.13%, min. HUF 240                       0.11%, min. HUF 240
      HUF transfer –
      electronic                 0.09%, min. HUF 180                        0.09%, min. HUF 180                                   -
         interbank
        intrabank                0.08%, min. HUF 100                        0.08%, min. HUF 100                                   -

      HUF cash in                        HUF 100                                     HUF 100                                   HUF 100

      HUF cash
                                0.15%, min. HUF 380                         0.15%, min. HUF 380                       0.15%, min. HUF 380
      withdrawal
                                              1 month’s deposit                            1 month’s deposit                          1 month’s deposit
      Interest rate
                              sight***          interest minus           sight***            interest minus         sight***            interest minus
      (annual %)
                                                    2%****                                       2%****                                     2%****


* Monthly Account management fees and the contents of packages:

                                                                                 e-bank monthly fee+ the first electronic card annual
                                                        BASIC                                                                              HUF 990
                                                                                 fee + mobilinfo monthly fee + insurance 1
                                                                                 e-bank monthly fee + the first electronic card
        E-BANK ACCOUNT PACKAGE                          EXTRA                                                                             HUF 1,090
                                                                                 annual fee + mobilinfo monthly fee + insurance 2
                                                                                 e-bank monthly fee + the first embossed debit
                                                      PREMIUM                    bankcard annual fee***** + mobilinfo monthly fee +       HUF 1,490
                                                                                 insurance 3
                                                                                 the first electronic card annual fee + mobilinfo
                                                        BASIC                                                                             HUF 1,990
                                                                                 monthly fee + insurance 1 + Electra monthly fee

        BUSINESS TERMINAL                                                        the first electronic card annual fee + mobilinfo
                                                        EXTRA                                                                             HUF 2,190
        ACCOUNT PACKAGE                                                          monthly fee + insurance 2 + Electra monthly fee
                                                                                 the first embossed debit bankcard annual fee*****
                                                      PREMIUM                    + mobilinfo monthly fee + insurance 3 + Electra          HUF 2,590
                                                                                 monthly fee
                                                                                 the first embossed debit bankcard annual fee*****
        TRADITIONAL ACCOUNT PACKAGE                                                                                                       HUF 1,490
                                                                                 + mobilinfo monthly fee + ePIN + insurance 1

 The account management fee also includes the fee of products within the package
 **       The account package includes only one deposit account and request business bankcard to deposit account.
 ***      as per the K&H Announcement
 ****     as per the K&H Announcement, HUF 10-30 million bracket actual conditions
 *****    except K&H Visa Business Gold
 ******   including execution of collection / authority payment / warrant payment



 Campaign:
 - The annual card fee of K&H business bankcard first ordered to the attorney deposit account of K&H legal account
 packages opened between 20 September 2010 and 30 June 2011 is 100% waived by the Bank
 - The annual card fee of K&H business bankcard ordered first between 20 September 2010 and 30 June 2011 to the
 attorney deposit account of existing K&H legal account packages is 50% waived by the bank

 Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement



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1.4. K&H HEALTH AND K&H ACCOUNTANTS ACCOUNT PACKAGE

                                                                 EFFECTIVE: AS OF JULY 29, 2009



                                                                  E-BANK                     BUSINESS TERMINAL                  TRADITIONAL

   K&H current account management fee                                  *                                    *                            *

  HUF transfer – paper based ****
                                                           0.16%, min. HUF 350                0.16%, min. HUF 350            0.14%, min. HUF 280
   interbank
   intrabank                                               0.13%, min. HUF 240                0.13%, min. HUF 240            0.11%, min. HUF 240
  HUF transfer – electronic
                                                           0.09%, min. HUF 180                0.09%, min. HUF 180                        -
   interbank
   intrabank                                               0.08%, min. HUF 100                0.08%, min. HUF 100                        -
  HUF cash in                                              0.03%, min. HUF 110                0.03%, min. HUF 110            0.03%, min. HUF 110
  HUF cash withdrawal                                      0.15%, min. HUF 380                0.15%, min. HUF 380            0.15%, min. HUF 380

  Interest rate (annual %)                                          sight**                           sight**                        sight**



*Monthly Account management fees and the contents of packages:

                                                                                 e-bank monthly fee + the first electronic card annual
                                                         BASIC                                                                               HUF 990
                                                                                 fee+ mobilinfo monthly fee + insurance 1

                                                                                 e-bank monthly fee + the first electronic card annual
   E-BANK ACCOUNT PACKAGE                               EXTRA
                                                                                 fee + mobilinfo monthly fee + insurance 2
                                                                                                                                             HUF 1,090

                                                                                 e-bank monthly fee + the first embossed debit
                                                      PREMIUM                    bankcard annual fee*** + mobilinfo monthly fee +            HUF 1,490
                                                                                 ePIN + insurance 3
                                                                                 the first electronic card annual fee + mobilinfo
                                                         BASIC                                                                               HUF 1,990
                                                                                 monthly fee + insurance 1 + Electra monthly fee

   BUSINESS TERMINAL                                                             the first electronic card annual fee + mobilinfo
                                                        EXTRA                                                                                HUF 2,190
   ACCOUNT PACKAGE                                                               monthly fee + insurance 2 + Electra monthly fee
                                                                                 the first embossed debit bankcard annual fee*** +
                                                      PREMIUM                    mobilinfo monthly fee + insurance 3 + Electra               HUF 2,590
                                                                                 monthly fee

   TRADITIONAL ACCOUNT PACKAGE                                                   the first embossed debit bankcard annual fee*** +           HUF 1,490
                                                                                 mobilinfo monthly fee + ePIN + insurance 1

The account management fee also includes the fee of products within the package



**     as per the K&H Announcement
***    except K&H Visa Business Gold
****   including execution of collection / authority payment / warrant payment


Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement




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1.5. K&H BANKCARD ACQUIRING ACCOUNT PACKAGE

                                                                  EFFECTIVE: AS OF JULY 29, 2009



       Credits (with or without converstion)                                                                        Free of charge

      HUF transfer – paper based ***
                                                                                                                 0.14%, min. HUF 330
       interbank
         intrabank                                                                                                  Free of charge
      HUF transfer – electronic
                                                                                                                 0.09%, min. HUF 180
       interbank
         intrabank                                                                                                  Free of charge
      HUF cash in                                                                                                0.03%, min. HUF 110
      HUF cash withdrawal                                                                                        0.15%, min. HUF 370
       HUF cash (banknotes) deposit in bags (through overnight deposit box as
                                                                                                               0.15% és HUF 150 /sack
       well)
       HUF interest rates                                                                                    As per the K&H Announcement




                                                   E-BANK             HUF and/or USD and/or EUR Account maintenance *
                                                   BASIC                                                                                         0 HUF
                                                                      e-bank monthly fee + mobilinfo monthly fee + ePIN
                                                                      e-bank BASIC * +
     K&H BANKCARD ACQUIRING                   E-BANK EXTRA            the first embossed debit bankcard annual fee** +                      HUF 890
     ACCOUNT PACKAGE                                                  insurance 3
                                                                       HUF and/or USD and/or EUR Account maintenance *
                                                BUSINESS
                                                                       Electra monthly fee + mobilinfo monthly fee + ePIN + the             HUF 990
                                                TERMINAL
                                                                       first embossed debit bankcard annual fee** + insurance 3

                                                                                                                           st        nd     rd
 *        unless other instruction received, monthly account management fee will be debited in the following order of accounts: 1 HUF, 2 EUR, 3 USD
 **       except K&H Visa Business Gold
 ***      including execution of collection / authority payment / warrant payment


 Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement




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1.6. K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES

                                                               EFFECTIVE: AS OF JULY 29, 2009


                                                     E-BANK                            BUSINESS TERMINAL                        TRADITIONAL
                                           CURRENT             RENOVATION            CURRENT            RENOVATION       CURRENT            RENOVATION
                                           ACCOUNT               ACCOUNT             ACCOUNT                ACCOUNT      ACCOUNT             ACCOUNT
 K&H current account
                                               *                  0 HUF                  *                  0 HUF           *                 0 HUF
 management fee
 HUF transfer –
 paper based ****                            0.16%, min. HUF 350                        0.16%, min. HUF 350                0.14%, min. HUF 280
    interbank
    intrabank                                0.13%, min. HUF 240                        0.13%, min. HUF 240                0.11%, min. HUF 240

 HUF transfer – electronic
                                             0.09%, min. HUF 180                        0.09%, min. HUF 180                           -
    interbank
    intrabank                                0.08%, min. HUF 100                        0.08%, min. HUF 100                           -

 HUF cash in                                         HUF 100                                    HUF 100                            HUF 100

 HUF cash withdrawal                         0.15%, min. HUF 380                        0.15%, min. HUF 380                0.15%, min. HUF 380
                                                          1 month’s deposit                             1 month’s                           1 month’s
 Interest rate (annual %)                  sight**          interest minus            sight**         deposit interest   sight**          deposit interest
                                                                 2%***                                 minus 2%***                         minus 2%***


* Monthly Account management fees and the contents of packages:

                                                         e-bank monthly fee + free production of the first 150 cheques /
  E-BANK ACCOUNT PACKAGE                                                                                                                  HUF 990
                                                         every 6 month

                                                         Electra monthly fee + group collection initiation + free production
  BUSINESS TERMINAL ACCOUNT PACKAGE                                                                                                   HUF 1,990
                                                         of the first 150 cheques / every 6 month

  TRADITIONAL ACCOUNT PACKAGE                            ePIN + free production of the first 150 cheques / every 6 month              HUF 1,490

The account management fee also includes the fee of products within the package


** as per the K&H Announcement
*** as per the K&H Announcement, HUF 10-30 million bracket actual conditions
**** including execution of collection / authority payment / warrant payment

Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement




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Announcement for corporate clients




1.7. K&H SME BUSINESS BANKCARD WITH OVERDRAFT FACILITY

                                                            EFFECTIVE: AS OF MARCH 15, 2006.




  K&H SME BUSINESS BANKCARD WITH OVERDRAFT                                   BASIC                           EXTRA        PREMIUM

          OVERDRAFT FACILITY (HUF MILLIONS)                                   1-5 M                          5-15 M        15 M-

           ASSESMENT FEE (MIN. HUF 10 000)                                                                   0,50%

                                         FIRST CARD *                                                 FREE OF CHARGE
   VISA BUSINESS
   VISA BUSINESS GOLD
                                   ADDITIONAL CARDS
   MASTERCARD BUSINESS                                                                      AS PER THE K&H ANNOUNCEMENT
                                   EACH

                  MOBILINFO MONTHLY FEE                                                               FREE OF CHARGE

  * one package includes one card

 Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement




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2.    SPECIAL SERVICE PACKAGES

2.1 KV DUPLA PACKAGE, K&H START-, K&H AKTÍV- AND K&H E-BANK BUSINESS A CCOUNT
                                                            EFFECTIVE: AS OF SEPT 18, 2009


K&H dupla package is not available from June 01, 2003; K&H start, aktív and e-bank business accounts are not available from December
02, 2005

                                           K&H START BUSINESS             K&H AKTÍV BUSINESS                  KV DUPLA               K&H E-BANK BUSINESS
                                                  ACCOUNT                     ACCOUNT*                         PACKAGE                       ACCOUNT

  K&H current account
                                              1760 HUF /month              2,200 HUF / month             3,520 HUF / month             2,640 HUF / month
  management fee

 HUF transfer – paper based
                                            0,24% min. HUF 400            0,24% min. HUF 400            0,24% min. HUF 400            0,25% min. HUF 400
  Interbank **
     intrabank                              0,18% min. HUF 320            0,18% min. HUF 320            0,18% min. HUF 320            0,22% min. HUF 320
 HUF transfer – electronic
                                            0.20% min. HUF 240            0.14% min. HUF 200            0.12% min. HUF 180            0.10% min. HUF 180
  interbank
     intrabank                              0.13% min. HUF 200            0,13% min. HUF 200            0,13% min. HUF 200            0,10% min. HUF 160
 HUF cash in                                0.11% min. HUF 200            0.11% min. HUF 200            0.11% min. HUF 200            0.11% min. HUF 200

 HUF cash withdrawal                        0.22% min. HUF 420            0.22% min. HUF 420            0.22% min. HUF 420            0.22% min. HUF 420

                                                                            Optional

 Electra installation fee (modem)                 HUF 5,000                     HUF 5,000                     HUF 5,000                     HUF 5,000

 Monthly fee of Electra (modem)                   HUF 3,000                     HUF 3,000                     HUF 3,000                     HUF 3,000

 Monthly fee of e-bank (internet
                                                free of charge                free of charge                free of charge                free of charge
 bank)

                                                HUF 1,200                     HUF 1,200                      HUF 1,200                     HUF 1,200
 K&H corporate e-bank ID device
                                            Campaign: free of             Campaign: free of              Campaign: free of             Campaign: free of
 annual fee
                                           charge for 31.05.2011         charge for 31.05.2011          charge for 31.05.2011         charge for 31.05.2011

                                                HUF 1,200                     HUF 1,200                      HUF 1,200                     HUF 1,200
 K&H corporate e -bank ID device
                                            Campaign: free of             Campaign: free of              Campaign: free of             Campaign: free of
 replacement fee
                                           charge for 31.05.2011         charge for 31.05.2011          charge for 31.05.2011         charge for 31.05.2011
 K&H corporate e -bank ID device
                                                free of charge                free of charge                free of charge                free of charge
 stoppage
                                                HUF 1,000                     HUF 1,000                      HUF 1,000                     HUF 1,000
 Blocked PIN of e-bank ID device                                          Campaign: free of              Campaign: free of
                                            Campaign: free of                                                                          Campaign: free of
 lifting ***                                                             charge for 31.05.2011          charge for 31.05.2011
                                           charge for 31.05.2011                                                                      charge for 31.05.2011
 Every other card reader annual
                                                free of charge                free of charge                free of charge                free of charge
 fee



*   former KV szimpla package
** including execution of collection / authority payment / warrant payment
*** For security reasons the e-bank ID device automatically blocks itself after 3 consecutive unsuccessful attempts to enter the PIN code. Blocking can only be
    released by the bank after the ID device is handed in at a branch.

Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement




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Announcement for corporate clients




2.2 CORPORATE SMALL ENTERPRISE FOREIGN CURRENCY ACCOUNT PACKAGE

                                                                    EFFECTIVE: AS OF JULY 29, 2009


As of 21 November 2003 the Bank does not conclude new contracts for the Corporate Small Enterprise foreign currency account service
package.


2.2.1 BANK ACCOUNT MANAGEMENT
               Service package fee                                                                                                      EUR 12/ month
               Monthly foreign currency account management fee*:                                                                         free of charge
                  Currencies: USD, EUR, CHF, GBP, DKK.

2.2.2 INTERNATIONAL PAYMENTS AND TRANSACTIONS EXECUTED IN FOREIGN CURRENCY
        CREDIT ENTRIES
               Crediting of foreign currency payments to foreign currency account (with or without conversion)
                  intra-bank, domestic, international incoming foreign currency payment                            0.1%, min: EUR 6 max. EUR 250

        DEBIT ENTRIES
               Intra-bank foreign currency payments to the debit of foreign currency account (with or without conversion)
                  paper-based orders                                                                                                0.16%, min. EUR 16
                  electronic orders                                                                                                 0.13%, min. EUR 12
                                                                                                                                           3
               Outgoing foreign currency payments to the debit of foreign currency account (with or without conversion)
                  paper-based order (details of charges: SHA and BEN               3)
                                                                                                         0.18%, min: EUR 18
                     upon assuming the correspondent bank’s charges (details of charges: OUR3) 0.15% + EUR 16, min. EUR 26
                  electronic orders (details of charges: SHA and BEN3)                                 0.15%, min. EUR 14
                     upon assuming the correspondent bank’s charges (details of charges:OUR3) 0.15% + EUR 16, min. EUR 26

    2.2.3 TRANSACTIONS EXECUTED IN HUF
               intrabank prompt or value-dated HUF transfer started from an FX account
                intrabank HUF transfer
                      paper-based (including execution of collections / authority payment / warrant payment) 0.15%, min. 1.5 EUR
                      electronic                                                                               0.11%, min. 1 EUR
                external HUF transfer
                     paper-based (including execution of collections / authority payment / warrant payment)                           0.2%, min. 2 EUR
                     electronic                                                                                                      0.12%, min. 1 EUR
                external urgent HUF transfer
                      paper-based                                                                                                    0.15%, min. 6 EUR
                      electronic                                                                                                    0.125%, min. 6 EUR




    The conditions pertaining to services not listed below shall be identical with those stipulated in Part I of the Announcement.




*      only in the case of K&H current accounts, K&H initial capital deposit account, K&H cash contribution custody account, K&H escrow account, K&H bank
       current accounts for foundations and social organisations


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Announcement for corporate clients




3.   INFORMATION CONCERNING THE INSURANCE PACKAGES LINKED TO THE SERVICE PACKAGES

                                                 EFFECTIVE: AS OF DECEMBER 27, 2004.

     Based on the insurance contract between K&H Biztosító Zrt. (1068 Budapest, Benczúr u. 47., Tel: 335-3355) and K&H Bank Zrt.
     the Insurer provides life insurance services – group risk life insurance, accidental death insurance and supplementary cover for
     accidental total and permanent disability – for corporate account holders, as described below:

     The Bank provides free basic, extended, and extra Life Insurance to holders of the following types of corporate account:

               K&H Legal (‘Jogi’) account package
               K&H Health care providers’ (‘Egészségügyi) account package
               K&H Accountants’ (‘Könyvelői’) account package
               K&H Merchants’ account package
     K&H Legal,                             Business terminal Basic,          Business terminal extended,     Business terminal Extra,
     K&H Health care providers’                   Traditional                      E-bank Extended                 E-bank Extra
     K&H Accountants’ packages                   E-bank Basic

         K&H Merchants’ account                        _                                  _                 Business terminal, E-bank
               package                                                                                             extended

                                                                     Type of insurance (sum insured in HUF **)
     Type of insurance                                 1                                  2                              3

     Natural death*                                 100,000                            150,000                       200,000

     Accidental death *                             800,000                            800,000                      1,000,000
     Accidental total and permanent
     disability *                                   800,000                            800,000                      1,000,000



         * Insurance coverage discontinues for the given policy holder when his/her age exceeds 62 years
         ** If two persons are designated in the corporate account management contract, then each of the two policy holders are
         eligible to half of the sums in the above table

     The insurance cover may extend to max. 2 persons. The Policy holder may be a person between 18-62 years of age, who is
     registered as the managing director of the business, or who actually operates the business (cannot be e.g. the limited partner in a
     limited partnership [Bt.]). The cover for a given policy holder begins on the date of opening the corporate account and ends on the
     date when it is terminated (settled with final effect), or until such date as the given policy holder is indicated in the bank account
     management contract as the policy holder.

     The life insurance package may be selected as an extra service to supplement some of the K&H corporate account packages. That
     option is indicated next to the individual account packages.
          K&H Start account package
          K&H Aktív account package
          K&H Dinamikus account package

                                                                              Type of insurance (sum insured in HUF**)

             Type of insurance                                                                      2


          Natural Death*                                                                         150,000

          Accidental death *                                                                     800,000

          Accidental total and permanent disability *                                            800,000


         * Insurance coverage discontinues for the given policy holder when his/her age exceeds 62 years
         ** If two persons are designated in the corporate account management contract, then each of the two policy holders are
         eligible to half of the sums in the above table

                                                                    27 / 65
Announcement for corporate clients




         The insurance cover may extend to max. 2 persons. The Policy holder may be a person between 18-62 years of age, who is
         registered as the managing director of the business, or who actually operates the business (cannot be e.g. the limited partner in
         a limited partnership [Bt.]). For the given policy holder the coverage begins on the date on which the supplementary life
         insurance is requested. Coverage ends for the given policy holder on the date on which the corporate account package linked to
         the above products is terminated (settled with final effect), or the day on which the supplementary life insurance is
         terminated/cancelled.

     The Insurer must pay compensation upon the occurrence of the following events:
         Non-accidental death (natural death) of the policy holder during the coverage period – in this case two months` waiting period
         will apply as from the opening/modification of the account, and/or the registration of a new policy holder.
         An accident involving the policy holder during the coverage period provided that it causes total and permanent disability, or
         death of the policy holder within one year.
     The cases of total and permanent disability are listed in the regulation applicable to the insurance contract. The insurance benefits
     do not depend on the degree of the disability.

     In the event of the death of the insured, the party entitled to the service (the beneficiary) shall be the Bank up to the debit balance of
     the bank account, while all amounts in excess of that sum, or if there are no debt on the account, shall be due to the person(s)
     designated by the account owner as beneficiaries in the event of his/her own death. If no such person was identified, then the
     insurance beneficiary shall be the inheritor of the policy holder. The beneficiary of the disability benefit is the policy holder.

     Any occurrence of an insured event must be reported to K&H Biztosító through the Bank, and all documentation required to assess
     the claim must be made available. Thus in particular, the documents certifying the fact of the death, and all of its circumstances
     (death certificate, coroner’s certificate), documents proving that the death or disability was caused by an accident, and the grant of
     probate identifying the heir, etc.
     Information provided to the insurance company constitute an insurance secret, thus they may only be disclosed to a third party if the
     Insurer’s client or his/her legal representative provides a written exemption specifying the scope of disclosable information.
     Confidentiality, however, does not apply to the following authorities and officers (under the conditions specified in the Insurance Act):
     the Hungarian Financial Supervisory Authority, investigating authorities, the prosecutor`s office, courts of justice, court bailiff, notary
     public, tax office, national security service, Office of Fair Competition, child protection authorities, health authorities, organisations
     authorised to employ methods of the secret service, bond registries.
     Further, the confidentiality of insurance information shall not apply to the re-insurer, to the recipient Insurer in the event of a portfolio
     transfer, and, with regard to the details required for outsourcing, the person/entity performing the activity outsourced. Disclosing
     aggregate data, or helping the Ministry of Finance in the creation of legislation, or transferring information not qualifying as personal
     data for the purposes of performing an impact analysis shall not constitute a breach of confidentiality of insurance information. No
     information may be withheld claiming confidentiality of insurance information if data provision is obligatory under separate legislation
     on the disclosure of data of public interest and on access to information of public interest (Articles 153-161 and 165 of Act LX of
     2003).

     Detailed conditions concerning the insurance arrangement are contained in the Insurance Regulation, available in the branches of
     the Bank. We wish to expressly note that in accordance with these regulations the Insurer will not provide coverage in certain
     cases.

   K&H Biztosító Zrt. was established in 1992, its head office is located at 1068 Budapest, Benczúr u. 47.
     The company`s equity is: 3,520,000,000 HUF
     The company is owned by:
                 KBC Insurance NV. 100%

     The supervisory authority of the company is:
                 Hungarian Financial Supervisory Authority
                 1013 Budapest, Krisztina krt. 39.
                 Tel: 489-9100
                 Postal address: 1535 Budapest 114, P.O. Box. 777




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         Announcement for corporate clients




         4.        THE METHOD OF CALCULATION OF THE FEES SET OUT IN THE ACCOUNT PACKAGES FEATURED
         The Bank applies the following method of calculation to calculate the specified fees of the account packages:
         The fees in the table below are calculated as the product of the units corresponding to the given type of fee contained in the current, effective Announcement — Point I.1. ‘Hungarian Forint and
         Foreign Currency Accounts’ and point I.8. ’Terms and conditions of bankcard services’ — and the percentage value featured in the relevant field of the table, and using the accepted rules of
         rounding-off, to Hungarian forint values of either 0, 5, or 10.
         The Bank does not apply a method of calculation — with regard to the account package — to the fees not featured in the table.
         The concrete fees calculated on the basis of this method of calculation are contained in Chapter II ‘Account Packages’ of the Announcement.

         4.1 K&H FLEXIBLE ACCOUNT PACKAGE
                                                                                                                 EFFECTIVE FROM 11 APRIL, 2011
ACCOUNT TURNOVER                                    CATEGORY A                                        CATEGORY B                                       CATEGORY C                                          CATEGORY D                                              CATEGORY E
CATEGORY
LIMITS OF MONTHLY ACCOUNT
                                                  0 – 10,000,000 HUF                     10,000,001 – 20,000,000 HUF                     20,000,001 – 40,000,000 HUF                          40,000,001 – 60,000,000 HUF                                    ABOVE 60,000,001 HUF
TURNOVER
                                           Fixed                        Minimum          Fixed                                           Fixed                                                                                                        Fixed
TERMS AND CONDITIONS                              Per cent fee                                        Per cent fee Minimum fee                         Per cent fee Minimum fee            Fixed            Per cent fee       Minimum fee                         Per cent fee    Minimum fee
                                          amount                           fee          amount                                          amount                                                                                                       amount
                                                                                                                                                                                          amount
 PACKAGE FEE                             131.00 %      -                    -          109.17 %            -              -             65.50 %               -              -            43.67 %                  -                  -                0%                -               -
 K&H HUF BANK ACCOUNT
                                            0%              -               -             0%               -              -               0%                  -              -               0%                    -                  -                0%                -               -
 monthly account management fee
Ad hoc (nor regular) HUF bank transfer started from a HUF account to be executed promptly or on the value date
 - intrabank
     electronic                              -            0%             0%                -            0%             0%                    -             0%             0%                  -                 0%                 0%                   -             0%              0%
 - outgoing transfer via GIRO
                                                         The first 5    The first 5                   The first 10   The first 10                        The first 10   The first 10                         The first 15       The first 15                       The first 20    The first 20
     electronic                              -
                                                        monthly: 0 %   monthly: 0 %
                                                                                            -
                                                                                                      monthly: 0 %   monthly: 0 %
                                                                                                                                              -
                                                                                                                                                         monthly: 0 %   monthly: 0 %
                                                                                                                                                                                               -
                                                                                                                                                                                                             monthly: 0 %       monthly: 0 %
                                                                                                                                                                                                                                                         -
                                                                                                                                                                                                                                                                   monthly: 0 %    monthly: 0 %
                                                                                                                                                                                                                                                                    The first 2     The first 2
                                                                                                                                                                                                           The first monthly: The first monthly:
 fee of HUF cash deposit                      -            100 %          100 %             -            100 %          100 %                 -             100 %          100 %               -                                                         -         monthly: 0 %,   monthly: 0 %,
                                                                                                                                                                                                           0 %, later: 100 % 0 %, later: 100 %
                                                                                                                                                                                                                                                                   later: 100 %    later: 100 %
                                                                                                                                                                                                                                                                    The first 2     The first 2
                                                                                                                                                                                                           The first monthly: The first monthly:
 fee of HUF cash disbursement                 -            100 %          100 %             -            100 %          100 %                 -             100 %          100 %               -                                                         -         monthly: 0 %,   monthly: 0 %,
                                                                                                                                                                                                           0 %, later: 100 % 0 %, later: 100 %
                                                                                                                                                                                                                                                                   later: 100 %    later: 100 %
                                        0% in case of                                 0% in case of                                   0% in case of                                    0% in case of                                               0% in case of
                                        K&H Maestro,                                  K&H Maestro,                                    K&H Maestro,                                     K&H Maestro,                                                K&H Maestro,
 Current annual fee of bankcard          50% in case                                   50% in case                                    50% in case of                                   50% in case of                                               50% in case
                                                             -              -                              -              -                                   -              -                                     -                  -                                  -               -
 ordered for the first time                of K&H                                        of K&H                                           K&H                                              K&H                                                        of K&H
                                         Mastercard                                    Mastercard                                      Mastercard                                       Mastercard                                                  Mastercard

 HUF cash withdrawal from K&H ATM                        The first      The first                      The first 2    The first 2                         The first 2    The first 2                          The first 5        The first 5                        The first 5     The first 5
                                              -                                             -                                                 -                                                -                                                         -
 by means of bankcard                                   monthly: 0 %   monthly: 0 %                   monthly: 0 %   monthly: 0 %                        monthly: 0 %   monthly: 0 %                         monthly: 0 %       monthly: 0 %                       monthly: 0 %    monthly: 0 %
                                                                                                                                                                                                                                                   0% in case of
K&H ENTPRENEUR E-BANK                                                                                                                0% in case of the                                  0% in case of
                                                                                                                                                                                                                                                    the first 2
                                                             -              -                              -              -                                   -              -                                     -                  -                                  -               -
    fee of electronic access               100 %                                         100 %                                           first user                                    the first 2 users
                                                                                                                                                                                                                                                      users
K&H CORPORATE MOBILINFO
                                             0%              -              -             0%               -              -                0%                 -              -               0%                    -                  -                0%                -               -
monthly fee
K&H ENTPRENEUR E-BANK monthly fee            0%              -              -             0%               -              -                0%                 -              -               0%                    -                  -                0%                -               -

ELECTRA SERVICE monthly fee                  0%              -              -             0%               -              -                0%                 -              -               0%                    -                  -                0%                -               -

K&H COMPANY LINE SERVICE
                                             0%              -              -             0%               -              -                0%                 -              -               0%                    -                  -                0%                -               -
   fee of the ePIN code



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Announcement for corporate clients




4.2      K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES

                                                                           EFFECTIVE FROM 1 AUGUST, 2010

                                               K&H START ACCOUNT PACKAGE                         K&H DYNAMIC ACCOUNT PACKAGE                                K&H ACTIVE ACCOUNT PACKAGE
                 NAME OF TYPE OF FEE
                                                Fixed                                            Fixed
                                                         Charge rate       Minimum fee                     Charge rate          Minimum fee        Fixed amount        Charge rate                 Minimum fee
                                               amount                                           amount

      Domestic transactions in HUF
         - Intrabank payment orders
                paper based                     -         61,11 %           41,25 %               -        61,11 %              41,25 %                -                61,11 %                     41,25 %
              electronic                        -           0%                 0%                 -           0%                   0%                  -                   0%                          0%

         - Outgoing payment orders via GIRO
              paper based                       -          120 %            88,89 %               -          100 %              88,89 %                -                  90 %                      55,56 %
              electronic                               The first 5: 0 %, The first 5: 0 %,              The first 10: 0 %,   The first 10: 0 %,                  The first 20: 0 %, after:   The first 20: 0 %, after:
                                                 -       after: 150 %        after: 90 %
                                                                                                   -
                                                                                                           after: 125 %         after: 90 %
                                                                                                                                                        -
                                                                                                                                                                           100 %                        90 %

         Cash in (HUF)                           -         27,27 %             70 %                -        27,27 %                70 %                 -                27,27 %                       70 %

        The preferential bankcard annual fee   0%              -                  -              0%              -                    -               0%                      -                           -
  Monthly fee of
      K&H CORPORATE MOBILINFO
                                               0%              -                  -              0%              -                    -               0%                      -                           -
  Monthly fee of
                                               100 %           -                  -             100 %            -                    -              100 %                    -                           -
      K&H CORPORATE E-BANK
  Monthly fee of
      ELECTRA
                                                 -             -                  -              0%              -                    -               0%                      -                           -

  K&H SME CUSTOMER SERVICE
                                               100 %           -                  -             100 %            -                    -              100 %                    -                           -
     ePIN fee




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Announcement for corporate clients




4.3   K&H LEGAL ACCOUNT PACKAGE

                                                               EFFECTIVE FROM 1 AUGUST, 2010



                                                    E-BANK                         BUSINESS TERMINAL                         TRADITIONAL
                                          CURRENT ACCOUNT AND DEPOSIT        CURRENT ACCOUNT AND DEPOSIT            CURRENT ACCOUNT AND DEPOSIT
                                                   ACCOUNT                                ACCOUNT                             ACCOUNT
                NAME OF TYPE OF FEE
                                           Fixed                              Fixed                                  Fixed
                                                   Charge rate Minimum fee                Charge rate Minimum fee             Charge rate   Minimum fee
                                          amount                             amount                                 amount

                HUF transfer – paper
                based                       -        80 %       77,78 %        -            80 %       77,78 %        -          70 %         62,22 %
                Interbank
                Intrabank                   -       72,22 %       60 %         -           72,22 %       60 %         -        61,11 %         60 %

              HUF transfer – electronic
                                            -        75 %         90 %         -            75 %         90 %         -            -             -
               interbank

                Intrabank                   -       72,73 %     66,67 %        -           72,73 %     66,67 %        -            -

              HUF cash in                 50 %         -            -         50 %             -           -        50 %           -             -

              HUF cash withdrawal           -       68,18 %       95 %         -           68,18 %       95 %         -        68,18 %         95 %




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4.4   K&H HEALTH AND K&H ACCOUNTANTS’ ACCOUNT PACKAGE

                                                               EFFECTIVE FROM 1 AUGUST, 2010


                                                    E-BANK                         BUSINESS TERMINAL                         TRADITIONAL

                NAME OF TYPE OF FEE        Fixed                              Fixed                                  Fixed
                                                   Charge rate Minimum fee                Charge rate Minimum fee             Charge rate   Minimum fee
                                          amount                             amount                                 amount

              HUF transfer – paper
              based                         -        80 %       77,78 %        -            80 %       77,78 %        -          70 %         62,22 %
                interbank
                Intrabank                   -       72,22 %       60 %         -           72,22 %       60 %         -        61,11 %         60 %

              HUF transfer – electronic
                                            -        75 %         90 %         -            75 %         90 %         -            -             -
               Interbank

                Intrabank                   -       72,73 %     66,67 %        -           72,73 %     66,67 %        -            -

              HUF cash in                   -       27,27 %       55 %         -           27,27 %       55 %         -        27,27 %         55 %

              HUF cash withdrawal           -       68,18 %       95 %         -           68,18 %       95 %         -        68,18 %         95 %




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4.5   K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES

                                                               EFFECTIVE FROM 1 AUGUST, 2010



                                                    E-BANK                         BUSINESS TERMINAL                         TRADITIONAL
                                          CURRENT ACCOUNT AND RENOVATION     CURRENT ACCOUNT AND RENOVATION         CURRENT ACCOUNT AND RENOVATION
                                                     ACCOUNT                               ACCOUNT                             ACCOUNT
                NAME OF TYPE OF FEE
                                           Fixed                              Fixed                                  Fixed
                                                   Charge rate Minimum fee                Charge rate Minimum fee             Charge rate   Minimum fee
                                          amount                             amount                                 amount

              HUF transfer –
              paper based                   -         80 %      77,78 %        -            80 %       77,78 %         -         70 %         62,22 %
                interbank
                Intrabank                   -        72,22 %      60 %         -           72,22 %       60 %          -       61,11 %         60 %

              HUF transfer – electronic
                                            -         75 %        90 %         -            75 %         90 %          -           -             -
               interbank

                Intrabank                   -        72,73 %    66,67 %        -           72,73 %     66,67 %         -           -

              HUF cash in                  50 %         -           -         50 %             -           -         50 %          -             -

              HUF cash withdrawal           -        68,18 %      95 %         -           68,18 %       95 %          -       68,18 %         95 %




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4.6   SPECIAL SERVICE PACKAGES
                                                                      EFFECTIVE FROM 1 AUGUST, 2010

                                                              K&H START BUSINESS           K&H AKTÍV BUSINESS                   KV DUPLA             K&H E-BANK BUSINESS
                                                                      ACCOUNT                  ACCOUNT *                        PACKAGE                       ACCOUNT
                           NAME OF TYPE OF FEE
                                                              Fixed    Charge   Minimum    Fixed    Charge   Minimum    Fixed    Charge    Minimum    Fixed    Charge   Minimum
                                                             amount     rate       fee    amount     rate       fee    amount     rate        fee    amount     rate       fee


                   K&H current account management fee        38 %        -         -      48 %        -         -      77 %        -          -      58 %        -         -

                   HUF transfer – paper based
                                                               -       120 %     89 %       -       120 %     89 %       -       120 %      89 %       -       125 %     89 %
                    Interbank

                     Intrabank                                 -       100 %     80 %       -       100 %     80 %       -       100 %      80 %       -       122,22    80 %
                                                                                                                                                                 %
                   HUF transfer – electronic                                                        116,67
                                                               -       167 %    120 %       -                100 %       -       100 %      90 %       -      91,67 %    90 %
                    Interbank                                                                         %

                    Intrabank                                  -      118,18    133 %       -       118,18   133 %       -       118,18    133 %       -      90,9 %    106,67
                                                                        %                             %                            %                                      %
                   HUF cash in                                 -      100 %     100 %       -       100 %    100 %       -       100 %     100 %       -      100 %     100 %
                   HUF cash withdrawal                         -       100 %    105 %       -     100 %      105 %       -       100 %     105 %       -      100 %     105 %
                                                                                           Optional

                   Electra installation fee (modem)          25 %        -         -      25 %        -         -      25 %        -          -      25 %        -         -

                   Monthly fee of Electra (modem)            60 %        -         -      60 %        -         -      60 %        -          -      60 %        -         -

                   Monthly fee of e-bank (internet bank)     100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -

                   K&H corporate e-bank ID device annual
                                                             100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -
                   fee
                   K&H corporate e -bank ID device
                                                             100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -
                   replacement fee
                   K&H corporate e -bank ID device
                                                             100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -
                   stoppage

                   Blocked PIN of e-bank ID device lifting   100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -


                   Every other card reader annual fee        100 %       -         -      100 %       -         -      100 %       -          -      100 %       -         -




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III.       SERVICES

1.     NOTICE OF THE K&H SME CUSTOMER SERVICE

                                                      VALID FROM: AS FROM 11 MARCH 2011

K&H SME Customer Service by phone

K&H SME Customer Service is available 24 hours a day, 365 days a year at phone numbers
                                                  06 1 / 20 / 30 / 70 335-3355.
The service is available at 335-3355 without a prefix if called from mobile networks or Budapest land lines.

K&H SME Customer Service can be used with an 8-digit ID, the TeleCenter ID / K&H énazonosítól (e-ID)1 and a 6-degit
secret ePIN1 code.


Obtaining an ePIN code
SME clients’ representatives can apply for ePIN codes following the general administration procedure prearranged with
K&H Bank.


There are two types of ePIN code in the K&H SME Customer Service system

a., Information ePIN
         only for information retrieval (e.g.: account balance, account transactions information),
         the company signatory is authorized to order the information retrieval service,
         once the information retrieval service has been ordered an ePIN is allocated to the company,
         information to be given as a means of identification: the company’s K&H e-ID (see above) & ePIN,
         the natural person using the codes is not identified.

b., Transaction ePIN
        transaction orders – full authorization (e.g. remittances, time deposit orders, etc.),
        the holder of transaction authorization shall be a natural person,
        information to be given as a means of identification: the transaction authorization holder’s personal K&H e-ID and
         ePIN,
        authorized persons who are retail clients of K&H will be reminded of their private K&H e-ID by means of dedicated
         communication,
        to authorized persons with no client relationship with K&H a e-ID will be allocated automatically.

If the type of an ePIN code is changed that affects all services used with that ePIN.


Orders available via SME Customer Service
      Automated system:
       -   ePIN change
                                  2
       -   primary account balance
       -   other account balances




1
  The new all-purpose electronic ID allows our clients to access K&H TeleCenter, K&H SME Customer Service and K&H e-bank with the same ID.
2
  In K&H TeleCenter a primary account is defined for every account group (bank accounts, savings, investments, credit card). When retrieving information via
the automated system, after identification first you choose an account group for which the balance is retrieved without having to give another code.




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      Telecenter services requiring ePIN identification:
       - Account services:
           -  Account balance enquiry,
           -  Account enquiries, historical monthly account statements,
           -  HUF standing orders,
           -  HUF and foreign-currency orders1,
           -  VIBER orders
           -  Transfers between own accounts, with or without conversion,
           -  Term deposits,
           -  Mobilinfo orders,
           -  Transaction certificates and copies,
           -  General complaints,
           -  Decrease and cancellation of overdrafts.
           -  Specifying or modifying the manner of providing the account statement: physical and/or electronic
              (K&H e-statement)


       - Debit and credit card services

           -   Card information (available amount, spending, etc.),
           -   Card complaints2,
           -   Card replacement,
           -   Card limits,
           -   Branch affiliation and delivery of cards,
           -   Handling of cards not activated by the client.


      Telecenter services available without ePIN identification:
           -   Card blocking,
           -   ePIN blocking,
           -   General information about K&H Bank products and services.

      Other services
           -   Include and withdraw accounts in and from the K&H SME Customer Service,
           -   Management of primary accounts,
           -   K&H e-bank requests, technical helpdesk,
                                            3
           -   Managing the requirements concerning the e-mail service of K&H and providing the related technical support
           -   PIN replacement,
           -   Blocking of identification devices.




K&H SME Customer Service limits
Remittance limit: HUF 20,000,000 per calendar day (irrespective of the value dates)



1
 No foreign currency transfer order can be given in Russian rubles (RUB)
2
 Card transaction complaints will be processed only if confirmed in writing, signed by the card holder. The confirmation can be sent via fax
or mail.
3
  The transacting user with an ePin code who is also a proxy holder can fully dispose over the rights to the use of the e-mailbox of K&H. If
he/she is not a proxy holder, he/she can apply for or give up the right to the use of the e-mailbox of K&H only on his/her own behalf. Our
Bank will set the instruction promptly and perform accordingly, of which it notifies the account holder by post.




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2.   SERVICES OFFERED BY THE K&H CORPORATE CUSTOMER SERVICE
                              EFFECTIVE: AS FROM 11 MARCH 2011

K&H Bank’s ISO-certified Corporate Customer Service offers clients the following services:

I. General banking services not requiring client identification:
     Provide medium-size and large corporate clients information on the products and services offered by
        the Bank
     Provide information on the branches and the availability of them
     Provide technical assistance for using the Electra and W1SE systems

II. Banking services requiring client identification:
      Comprehensive information on account balances and transactions
      Deposit withdrawal* (Effective: as of July 1, 2008)
      Modification of daily cash withdrawal- and purchase-limits in case of bank- and credit cards*
      Replacement of bank cards and PIN code re-ordering*
      Activation of bankcard / creditcard
      Request, modify or block ePIN codes
      Modification of the postal address to be used for sending account statements*
      Specifying or modifying the manner of providing the account statement: physical and/or electronic (K&H e-statement)*
      Notification on large-amount cash withdrawals in advance*
      Complaint handling
      Adding new users or setting account access rights in Electra*
      Re-ordering of smart cards in Wise and modification of the number of signers*
      Reconcile order batches submitted via Electra or W1SE; provide other information concerning the bank
        account
      Applying for setting or modifying the right to K&H e-box*

III. Services requiring client identification and subject to a charge **:
       Issue transaction certificates, report and confirmation in a separate letter
       Issue audit reports
       Print additional bank statements
       Issue banking information documents
       Cancel items submitted electronically*
       Modify or cancel items *

Contact the K&H Corporate Customer Service at:
    If calling from Hungary: 06-40/200-069
    If calling from abroad: 00-36/1-468-7731
    Fax: 1/468-7758
    E-mail: vallalatiugyfelszolgalat@kh.hu, info.customerservice@kh.hu

Service hours:
    We offer our clients technical support concerning our Electra and W1SE services on workdays between
       7 a.m. and 7 p.m.
    To reach an administrator with requests for comprehensive bank account and transaction information or
       complaints, contact us between 7.30 a.m. and 5 p.m. on weekdays, until 4 p.m. on Fridays

Voicemail:
       Our voicemail service is at your disposal on a 24/7 basis. If you need to wait more than 2 minutes as
           all our administrators are busy, the system will automatically offer you the voicemail option. We
           guarantee that our administrators will call you back. Please do not forget to give your name and
           telephone number.

For details on services marked by *, please call the Corporate Customer Service!
For details on services marked by **, please contact your home branch or call the Corporate Customer Service!




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3.      ELECTRA – ELECTRONIC BANKING SERVICE (CORPORATE ELECTRONIC CHANNEL)
                                                             IN EFFECT:    AS OF JUNE 1, 2010

Electra is an electronic channel protected by a group ID, a short name and a password.
I. The service is available for use with:
            K&H corporate HUF and FX bank accounts
II. Basic    service:
            HUF and FX payments from HUF and FX accounts
            VIBER transfers from HUF accounts
            Submitting domestic collection orders
            Fixing and early withdrawal of term deposits
            Daily bank account statement and exchange rate inquiries
            Current account balance and executed daily transactions query
            Banking information (actual interest rates, bank conditions)
            Standing orders
            Limit modification for corporate debit and credit cards
III. Supplementary services:
         Direct debit
         Direct credit
         Posting the details of postal payment vouchers / postal cash payment orders
         Posting corporate credit card information
IV. Availability of the service:
Via a telephone line or Internet communication, following the downloading of the installation kit from the Bank’s web page and installation.
V. Parameters of the equipment required for using the service:
    Recommended minimum               Minimum configuration as recommended in the case of the systems listed under Operating Systems
    configuration:                    External or internal modem operating with a Hayes-compatible serial port
                                      Telephone line (can also be an extension), ISDN line
                                      ADSL, broadband Internet connection
                                      Printer (optional)
    Operating systems:               Windows'95, Windows'98, Windows NT, Windows 2000, Windows XP, Windows Vista

                              1
VI. Available services :
       1. Accounts and transactions
               Account information
                -   Account balance
                -   Daily executed transactions
                -   Account history
                -   Account statements
                -   Notification letters
                -   Current news
                -   Standing order queries
                -   Transaction search
               Payment orders
                -   Input of new payment orders2
                -   Modification
               Term deposits
                -   Fixing of new term deposits
                -   Early withdrawal
                -   Withdrawal
       2. Bankcards
                Limit modification
       3. Credit cards
                Transactions in the current cycle
                Blocked credit card items
                Statements
       4. Card activation
       5. Exchange rate information
       6. Handling of master data
                Handling of templates
                Partner data management
                Verification table
1
    A detailed description of how to use the functions is contained in the Users’ Manual.
2
    Types of payment orders accepted by the Bank: internal transfers initiated from a HUF or FX account, intra-bank and inter-bank transfers; prompt / forward
    date transfers; standing – fixed amount transfers (monthly, quarterly, semi-annual, annual); regular – balance-dependant payment orders (daily, monthly,
    quarterly, semi-annual, annual, sweeping, revolving).



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4.      W1SE CORPORATE INTERNET BANK (INTERNET-BASED ELECTRONIC BANKING SERVICE)
                                                            IN EFFECT: AS OF JUNE 1, 2010
I. The service is available for use with:
          Accounts managed by the branches and subsidiaries of KBC Bank and by other banks1
II. Scope of the service:
          Launching of HUF and FX transfers from HUF and FX accounts, internal transfer
          VIBER payment from HUF accounts
          Prompt and forward-date collection
          Direct debit
          Direct credit
          Postal payment vouchers
          Posting the subledger of postal cash transfer orders
          Daily bank account statement and exchange rate query
          Current account balance and daily executed transactions
          International account management
          Automatic customer notification (ACN) function: it makes the forwarding of messages possible by e-mail or facsimile, in the case
           of any event specified in advance. (E.g. incoming transactions to a foreign account in excess of EUR 100 thousand; or if files
           forwarded to the Bank are not signed until 3 p.m., etc.).

III. Information forwarded in electronic format:
          Bank account statement – contains the transactions of the day before, as well as the opening and closing balance, in SWIFT
           MT940 format (available, at the earliest, from 7 a.m.; new account statements are only prepared if there is movement on the
           account)
          Intraday balance and transaction information – available from 8 a.m., automatically every 1.5 hours, in SWIFT MT941 / MT942
           format (new notification is only generated if there is movement on the account)
          Exchange rates (the FX I exchange rate is available, at the earliest, from 8 a.m.; the FX II and the NBH median rate are available
           from 2 p.m.)
          Subledger of incoming postal credits (from 9 a.m.)
          Information about rejected items (reject notice, available from 7.30 a.m. on the day following the day of submitting)
          Status report: report concerning verified and accepted direct credits (after receipt) and direct debits (from 8 a.m. of the day
           following the date of performance)
          Detsta report: report on the Bank’s execution of approved direct debit and direct credit orders (for a period of 5 days, from 8 a.m.
           on the day following the date of performance, with a summary report on day 6)
          Current information may be retrieved from the system on a 24-hour basis, about the following (credit and debit) transactions:
           postal items, GIRO items, intra-bank payments and internal transfers, VIBER payments posted, direct credit orders posted, FX
           credits, processed FX debits.
IV. The service may be accessed by:
https://www.wise-corporate-ebanking.com/ identification tool (chip card) 0-24 hrs every day *

V. Parameters of the equipment required for using the service:
    Recommended minimum                        Minimum configuration as recommended in the case of the systems listed under Operating
    configuration:                             Systems

    Operating systems:                         32-bit Windows systems: Windows 2000, NT, XP, Vista
    Browsers:                                  Internet Explorer 5.5 (128 bit SSL) or higher versions

                            2
VI. Available services :
       1. Accounts and transactions
                   Account information
                     -     Account history
                     -     Account statements
                     -     Notification letters
                     -     Exchange rate inquiries
                   Payments
                     -    Input of new payment orders3
                     -    Modification
1
  All banks that can handle MT101 and MT94X messages.
2 According to the description of the various menu items available in e-bank. Detailed description of how to use the functions is contained in the Users’
3
Manual. of payment orders accepted by the Bank: internal transfers initiated from a HUF or FX account, intra-bank and inter-bank transfers; prompt / forward
  Types
date transfers; standing – fixed amount transfers (monthly, quarterly, semi-annual, annual); regular – balance-dependant payment orders (daily, monthly,
quarterly, semi-annual, annual, sweeping, revolving). No foreign currency transfer order can be given in Russian rubles (RUB).
* Megbízások beküldésének határideje: a mindenkor hatályos W1SE ÁSZF szerint



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5.    K&H CORPORATE E-BANK (INTERNET-BASED ELECTRONIC BANKING SERVICE)
                                                       IN EFFECT: AS FROM 11 MARCH 2011
I. The service is available for use with:
         K&H corporate HUF or FX bank accounts

II. The scope of the service:
         Accounts and transactions
         Bankcards
         Credit cards
         Card activation
         Mobilinfo
         Prepaid mobile recharge
         Exchange rate information
         K&H e-box

III. The service is available from:
https://ebank.khb.hu/vallalkozoi

         with a K&H corporate e-bank identification tool (chip card)
         SMS identification
          In addition to access by an identification tool (chip card), users may also choose to access the service by SMS identification.
          Access by SMS identification may be registered / modified following entry with the identification tool (chip card), within K&H e-
          bank services.

IV. Parameters of the equipment required for using the service:

 Recommended minimum                      minimum Pentium I 133 MHz, 32 Mbyte RAM
 configuration:                           PS2 keyboard (in the case of serial-connection chip card readers)
                                          1 free RS-232 (serial) or USB port (for the chip card reader)
 Operating systems:                      32-bit Windows systems: Windows 95, 98, 2000, ME, NT, XP, Vista, Windows 7
                                         Versions 3.11 and older and other systems (e.g. Linux) are not supported (a precondition only in
                                           the case of identification by chip card)
 Browsers:                                Internet Explorer 5.5 (128 bit SSL) or higher versions
                                          Netscape 7.1 or higher
                                          Mozilla 1.4 or higher
                                          Mozilla Firefox 0.8 or higher
                                          Please, check the exact list of supported browsers on the web page: https://ebank.khb.hu !

V. Available services1:
     1. Accounts and transactions
             Account information
              -    Account / account package history
              -    Account statements2
              -    Notification letters
              -    Postal report
             Payments
              -    Input of new payment orders3
              -    Modification
              -    Withdrawal
             Public utility fees
              -    New authorizations
              -    Modification
              -    Queuing items to be collected
              -    Cancellation
             Term deposits
              -    Fixing of new term deposits, preliminary calculation
              -    Modification
              -    Early withdrawal
              -    Withdrawal

     1    According to the description of the various menu items available in e-bank. Detailed description of how to use the functions is contained in the
          Users’ Manual.
     2    Specifying or modifying the manner of providing the account statement – physical and/or electronic (K&H e-statement) –; querying the picture of
          the physical account statement.
     3    Types of payment orders accepted by the Bank: internal transfers initiated from a HUF or FX account, intra-bank and inter-bank transfers; prompt /
          forward date transfers, standing – fixed amount transfers (monthly, quarterly, semi-annual, annual); regular – balance-dependant payment orders
          (daily, monthly, quarterly, semi-annual, annual, sweeping, revolving). The Bank cannot accept FX payment orders in Romanian leu (RON), Turkish
          lira (TRY) and Russian rubles (RUB).



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    2. Bankcards
           Application for a replacement card
           Limit modification
           Renewal prior to expiration
           Application for a replacement PIN code
    3. Credit cards
            Transactions in the current cycle
            Blocked credit card items
            Statements
            Applications for a replacement card
            Renewal prior to expiration
            Limit modification
            Application for a replacement PIN code
    4. Card activation
    5. K&H mobilinfo
           Description of the service
           Application for the service
           New orders
           Modification
           Cancellation
           SMS and order history inquiries
           Cancellation of the service
    7. Mobile prepaid recharge
            Recharge history
    8. Exchange rate inquiries
    9. K&H e-box




  To ensure simple and quick switch-over to the K&H e-statement, until 31 December 2011 our Bank will automatically grant the
  applicant e-bank user the one-off right to read K&H e-box confidentially with regard to the e-bank accounts when he/she applies for the
  K&H e-statement through the pop-up window. The account holder will be notified of the setting by post.




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6.        K&H E-BOX (INTERNET-BASED ELECTRONIC BANK MAILBOX SERVICE)
                                                        EFFECTIVE: FROM 11 MARCH 2011

I. The service can be used subject to the following condition:
               there must be a corporate payment account held with K&H Bank, about which a bank account statement is prepared

II. The service can be applied for:
               at the bank branch
               via K&H Company Line
               at the K&H Corporate Customer Service
               via the K&H corporate e-bank (until 31 December 2011 a K&H e-statement must be applied for through the pop-up window)

III. Services:
 service                            uploading                                                                available*
                                    on the workday following the preparation date of the statement
             K&H e-statement**       (turnover)
                                                                                                             for 13 months


IV. Availability of the service:
around the clock at https://kh.hu
        by means of the K&H corporate e-bank identification instrument (chipcard)
        through K&H corporate e-bank SMS identification
         In addition to the availability through an identification instrument (chipcard), the user can also apply for access through SMS
         identification. Access through SMS identification can be set or modified within the e-bank service of K&H after the entry through
         the identification instrument (chipcard).
        through the Electra identification instrument (token)
V. Parameters of the instruments needed to use the service:

 minimum configuration                     minimum Pentium I 133 MHz, 32 Mbyte RAM
 recommended:                              PS2 keyboard (in case of serial port chipcard reader)
                                           1 pcs of free RS-232 (serial port) or USB port (for the chipcard reader)
 operation systems:                       32 bites Windows systems: Windows 95, 98, 2000, ME, NT, XP, Vista, Windows 7
                                          not supported: 3.11 and the previous ones and others (e.g. Linux) (it is a condition only in case
                                            of identification through a chipcard)
 browsers:                                 Internet Explorer 5.5 (128 bit SSL) or higher versions
                                           Netscape 7.1 or higher versions
                                           Mozilla 1.4 or higher versions
                                           Mozilla Firefox 0.8 or higher versions
                                           For the exact list of supported browsers, please visit the following webpage:
                                            https://ebank.khb.hu!

VI. Services available:
          1. With normal reader’s right1
                   Querying and downloading K&H e-statements
                   Requesting archive e-documents


          2. With confidential user’s right2
                   Querying and downloading K&H e-statements
                   Requesting archive e-documents


      1
          A user with a normal reader’s authorisation can only access the documents concerning the accounts / products specified for that user
          in the K&H e-box service.
      2
          A user with a confidential reader’s authorisation can access the documents concerning the accounts / products specified in the K&H
          e-box service, as well as other client-related documents not directly related to the account / product concerned.


* After the availability time expires, the unavailable e-document can be requested to be included in the K&H e-mailbox as an archive
document, which will be available there for another 30 days.
** Electronically signed and time-stamped attested electronic corporate bank account statement in an es3 format. Based on the relevant
effective laws, its electronic format qualifies as an authentic electronic document, but if it is printed, its physical format does not qualify as
an authentic document.




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7.     K&H CORPORATE MOBILINFO SERVICES

                                                   EFFECTIVE FROM NOV 01, 2009



ON-DEMAND BALANCE INFORMATION

                                                                                                                  Bank’s SMS
                                         Available                       Client SMS format
                                                                                                                response is sent
                                                       „11XXXX”

                                                       „XXXX” stands for the account identification code,
Inquiry on current balance*                            which is automatically generated when the service
                                                       application is registered in the system                 Immediately after
                                       all day                                                                 receipt of the
                                                                                                               client’s SMS
Inquiry on bank information                            ‘1M’ or ‘1m’

Inquiry on account IDs related
                                                       „10”
to the mobile number

AUTOMATIC MESSAGE SENDING

Type of messages automatically sent
                                                                          SMS is sent by the Bank
           by the Bank
Information on the Bank’s products              Occasionally (unless the client has requested to be excluded from the
and services (DM message)                        recipients’ lists associated with this message type)
Information on previous day’s
                                                In the morning following the EOD closing
closing balance**
                                                In case of deposits made at tellers, immediately after the credit of the
                                                 deposited amount to the account
Cash deposit*
                                                In case of ATM deposits, during business hours, on the day following the
                                                 Bank’s approval
Cash withdrawal*                                Immediately after the debit of the withdrawn amount to the account
                                                Immediately after credit in case of payments received during the Bank’s
                                                 business hours
Credit*
                                                During business hours on the next banking day in case of payments received
                                                 during night processing
                                                Immediately in case of debiting a payment initiated during the Bank’s business
                                                 hours
Debit (successful)*
                                                During business hours on the next banking day in case of debiting a payment
                                                 initiated during night processing
Notification on collection order                Immediately after a successful collection
(successful)*

Electronic bankcard use***                      Immediately after authorisation.

Notification on uncovered items                 Notification on uncovered items, as long as the client has also requested
                                                 notification on debit and/or collection orders



*     The message shows the current balance (at the time of sending the text message).

** The message shows the current balance (booked at the time of sending the text message), without the items reserved for
   purchases with your card.

*** The sending of messages based on bankcard number can be set. In case of transactions denominated in currencies other
    than the currency of the account, the amount in the message is calculated at the exchange rate defined by the card company.




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8.     ON THE ACTUAL CONDITIONS OF BUSINESS CREDITCARD MOBILINFO SERVICES
                                                                          EFFECTIVE FROM NOV 01, 2009

                                   Usage and contents of the K&H Retail Credit Card Mobilinfo service
                              1
                  Services                                                                  Sending bank messages
                                                                          Automated text messages
 Bankcard usage:
                                                   Successful and failed purchase, cash withdrawal from an ATM / from POS following
 Account holders’ service level
                                                   authorization.
 entitlements.
 Bankcard usage:                                   Successful and failed purchase, cash withdrawal from an ATM / from POS following
 Card holders’ service level                       authorization. The holder of the credit card account may ask to be notified in a text massage
 entitlements.                                     of the transactions of all additional card holders or of additional card holder at all.
 Statement-related information provided
                                                   At the time of closing the month’s accounts
 in one message per month.
 Use of the credit card by the clients
                                                   Successful and failed payment at a POS (purchase), cash withdrawal from an ATM / from
 having account holders’ service level
                                                   POS following authorization
 entitlements.
 Change in credit line                             At end-of-day processing. The fact of changed credit limit, amount of available credit.
 Spending over the credit limit                    Upon credit excess
                                                    Subsequent to crediting the account with the amount of the payment made with the credit
                                                       card at a POS
 Payments credited to the credit card
                                                    When transfers arriving at bank opening times are credited
 account
                                                    In the case of crediting transfers arriving in the course of overnight clearance during
                                                       business hours on the next banking day
 Available balance         drops     below a       When the balance drops below the limit determined at the time of specifying the parameters
 certain sum                                       of the service

 Free information message on special
                                                   Ad hoc
 bank offers, products and services


                               1
                 Services                                                                        Bank messages
                                                                                                  2
                                                             Interactive messages
 Bank information that may be                        When can     SMS code to be sent by the client                            Sending off the Bank’s
 requested by the client                                be                                                                             reply
                                                     requested
                                      3
 Statement-related information                                                                  22
                                                         0-24 round the




 The sum of available credit + bank                                                                                           Immediately after the client’s
                                                             clock




 card limit
            3                                                                                   21                                SMS is received

 The available sum up to the bank card
 daily bank
            4                                                                                   23
* Credit card Mobilinfo services may only be applied for, modified and cancelled by the holder of the credit card account.

                                  The service is available through the following mobile service providers
       Service provider               Central SMS number *                                      Method of interactive SMS sending

 Telenor Magyarország Zrt.            +36209000703
                                                       To operate the service, the area code must also be indicated as (+36-20) or
 Magyar Telekom Nyrt.            +36302030000          (06-20) before the 7-digit telephone number.
 V.R.A.M. Távközlési Zrt.        +36709000542
 (Vodafone)
*SMS messages to the Bank (client SMS) should be sent to the central SMS number of the Bank as relevant to the client’s mobile service
provider and in the format required by the Bank!

1.   Only the credit card account holder is entitled to request, modify or discontinue credit card Mobilinfo services
2.   The interactive services listed in the relevant Announcement are accessible without an instruction on the data sheet! Except when the given mobile phone
     number is already assigned to another credit card, in which case no interactive information will be available in the future in respect of the present request!"
3.   Only a client with account holders’ service level entitlement is authorised to use it.
4.   Only a client with card holders’ service level entitlement is authorised to use it.




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9.     K&H BUSINESS CREDITCARD MOBILINFO SERVICES

                                                                          EFFECTIVE FROM NOV 01, 2009



                                                          K&H Business Credit Card Mobilinfo service conditions
                                                                                                     Who may be notified of
                                                                                                                                                         Fee
                                                                                                       the given event

                                                        Services*




                                                                                                                                        Monthly
                                                                                                    Account         Co-card




                                                                                                                                                               SMS
                                                                                                    holder           holder

                                  Notification on the use of the own credit card by the card




                                                                                                                                        Free of charge
                                  holder.
                                                                                                        X               X
                                  (Successful and failed payment (purchase) at a POS, cash
                                  advance from ATM/POS subsequent to authorization.
                                  Notification of statement information: one message per
                                  month. The amount of minimum repayment, due date, total               X
        Automated text messages




                                  credit used, arrears.




                                                                                                                                                               Free of charge
                                  Notification on the use of credit card by co-card holders.
                                  Payment (purchase), cash withdrawal at POS, cash
                                  withdrawal from ATM. The holder of the credit card account            X
                                  may ask to be notified in a text message of the transactions of




                                                                                                                                        300 HUF/ month
                                  all co-card holders or of no co-card holder at all.
                                  Notification on changes of the credit line. The fact of
                                                                                                        X
                                  changed credit limit, amount of available credit.
                                  Notification of spending over credit limit.                           X
                                  Notification on payments credited to the credit card
                                                                                                        X
                                  account.
                                  Notification on the available credit line dropping below a
                                                                                                        X
                                  specified sum. Limit can be adjusted.

                                  Statement-related information (minimum repayment
                                                                                                        X




                                                                                                                                                                    20 HUF/ SMS
                                  amount, due date, total credit amount used, arrears)
      Interactive
      messages




                                                                                                                                    Free of
                                                                                                                                    charge
                                  Available credit + the sum available on the basis of the bank
                                                                                                        X
                                  card daily limit
                                  Sum available trough the bank card                                                    X


                                                  Option for languages selection                              Hungarian, English, German
      Other




                                            DM messages instruction facility activated                             X (default: yes-y)


     * Only the credit card account holder is entitled to request, modify of discontinue credit card-related Mobilinfo services.




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IV.     REGULATIONS CONCERNING GENERAL TRANSACTIONS, ACCOUNTS
     Payment orders can be submitted in branches during the opening hours of the branch.
     The business hours of the bank branches and the business hours of the cash counters in the bank branches may differ at
      the various bank branches of the Bank. For the business hours of the bank branches and the cash counter business hours,
      see the relevant announcement displayed at the given bank branch. If the submission and acceptance deadlines in
      accordance with the order of accepting and performing orders as defined in the relevant announcement is out of line with
      the business hours of the bank branch, the order shall be submitted within the business hours of the bank branch.
     Our Bank will perform the payment order on the form of the Bank (with special regard to the application of the cash
      withdrawal warrant, transfer orders and collection orders) if the data content on the fixing surface of the electronic channel
      and the mandatory statutory data content are provided.
     The Bank shall perform an incorrect, or incomplete payments only after the correction of the order. The risk originating from
      this shall be born by the giver of the order.
     The Bank shall accept payment orders submitted on paper (on a standard PF 1 form, in case of HUF payments initiated
      from HUF accounts, and on D16 form in case of HUF payments initiated from FX account) by tested telefax or
      electronically. Duly signed paper orders (as registered at the Bank) may be delivered to the Bank personally (at the counter
      or in case of HUF payments, into the deposit too) or by mail. Orders sent by tested telefax shall be regarded as paper
      based ones both from the point of view of cut-off time and Bank processing.
     Value-dated HUF transfer orders, including VIBER transfer orders, too, will be performed on the given value date. The value
      date of the order can only be a business day of the Bank. If the value date on the order is not a business day of the Bank,
      the order will be performed on the Bank’s business day following the value date.
     In case of a foreign currency transfer with conversion, the available balance required for the transaction and the related fee
       is checked upon the start of processing, at the foreign currency mid-rate I of day T. If the available account balance is
       insufficient, the transaction order is rejected even when the balance would be sufficient at the foreign currency rate II.
     In the event of authority payment order or warren payment order and as well as in legally specified cases, necessary
       conversions during the execution of orders to be performed in FX shall be implemented promptly and at the FX exchange
       rate I of the processing date.
     The Bank launches SEPA foreign currency transfers via its W1SE corporate internet banking system, provided that the
      order in question meets all SEPA transfer criteria:
             -    the currency of the transfer is EUR;
             -    the cost-bearing code is SHA;
             -    the beneficiary’s IBAN number and the beneficiary bank’s BIC code are provided;
             -    and the beneficiary is within the SEPA region.
     The Bank regards MT101 transfer orders as orders submitted electronically.
     The Bank sends an automatic electronic message to the Electronic Bank Message Module (EBÜK) system of the Hungarian
      Customs and Finance Guard (VP) of (outgoing GIRO) HUF transfers to VP if the number of the resolution (continuous 14-
      character code) and the VPID customs identification number (continuous 12-character code) is specified in discretional
      order in the remark section of the transfer. The message is sent by the Bank free of charge.
      Correct specification of the resolution number and the VPID: e.g. resolution no.: 2110049A006072 VPID: HU0000012345 or
      2110049A006072 HU0000012345 or HU0000012345, 2110049A006072
      Incorrect specification: e.g. resolution no.: 2110049 A 006072 VPID: HU 0000012345 or 2110049A006072HU0000012345
      HUF transfers to the Hungarian Customs and Finance Guard (VP) can not be cancelled.
     The Bank shall undertake the administration of the Letters of Credit and collections in compliance with the publications
      containing the effective uniform rules and standards of the International Chamber of Commerce even in case the principal
      does not specify them in its order.
     In terms of the purchased cheques or cheques received for collection the Bank shall be entitled to enforce all of its claims
      against the client presenting the cheque should they occur due to the insufficient fund of the cheque or a cost charged by
      the partner bank.
     In case of banker’s guarantees the base of the calculation of commission is the entire duration of the payment obligation
       undertaking of the Bank.
     In case of payment related to documentary deals the fees and commissions charged by the Bank are not refundable.
     Import In case of import Letter of Credit opening commission ‘1 month’ shall last from the day of the obligation undertaking
      of the Bank until the same day of the following calendar month.
     If the total FX amount requested by the client with an FX account cannot be disbursed in cash at the Bank’s tills (small or fractional
       amount), the Bank shall disburse the HUF equivalent of the remaining FX amount at the FX medium rate quoted on the current day
       and effective on the execution date of the transaction.
     If the client wishes to conduct a cash withdrawal transaction at the Bank’s tills in an amount exceeding the limits displayed in the
       client reception area; she/he may communicate her/his intention either in the branch, in person, or via K&H TeleCenter, 2 banking
       days prior to the planned withdrawal. If the client wishes to make an instantaneous withdrawal in excess of the limit defined, or
       prior to the notification deadline, she/he will be charged an instantaneous till withdrawal fee, which will not affect any other fees or
       charges set out in the Announcement.




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    If the client pays in any foreign coins or soiled, damaged, partially missing or, for any other reason, non-tradeable banknotes, a
      percentage of the nominal value will be deducted.
    The Bank only accepts FX coins of EUR 1 and 2 denominations and disburse cash only in FX coins of these denominations.
    The Bank shall only guarantee withdrawals in various currencies, irrespectively of the amount involved, if the client communicates
     her/his intention to withdraw such currency amount at least two banking days prior to serving the client. Branches shall make
     spontaneous currency cash payments until cash stock last.
    Should in case of HUF cash in the number of banknotes be over 1.000 and the coins over 500 the Bank shall automatically
      apply the fees of “Large volume cash deposit” of Announcment. Should in case of foreign currency payment the number of
      banknotes exceed 500 the Bank shall automatically apply the fees of “Large volume cash deposit” of Announcement. If the
      HUF amount deposited includes banknotes as well as coins, and the total number of coins or banknotes is higher than the
      predefined limit, the Bank will charge a bulk bag fee, as published in the Announcement, for both the coins and the
      banknotes.
    The Bank shall separately charge the clients for the occurring costs (mail, courier, telephone, fax, SWIFT, photocopies,
      etc.), and the transferred commissions and costs.
    The Bank shall not charge a transaction fee after accounting corrections originating from the fault of the Bank, or
      settlements occurring due to bank technical reasons.
    The fees, costs, commissions shall be charged in the currency of the account, converted at the FX I. middle rate of the
      Bank, in case of cash transactions over the counter at the effective foreign currency exchange rate of the bank. In case of
      documentary transactions the fees, cost, commissions shall be charged at the foreign trade FX rates depend on of direction
      of transaction. In case of collected management of fees, the FX medium rate I of the debiting date of the collected lump-
      sum fee will be applied when the conversion fee is settled.
     The monthly fees (eg. the account management fee) will be debited on the Bank’s last business day in the current month.
     With regard to the monthly fees, each calendar month started shall be considered as a full month and each calendar year
     started shall be considered as a full year in terms of the annual fees.
     If no exchange rate has been quoted yet for that day, the previous work day's last same rate shall be applied when the
     conversion fee is settled.
    For transactions not executed on the same day, the charge applied will be as valid on the date of execution and not on the
      date of submitting the payment order.
    The Bank shall calculate the call interest on a daily basis, shall separate it and shall credit it to the account in connection
      with which the interest occurs quarterly in case of HUF accounts and annually, consequently in case of foreign currency
      accounts.
    If the balance of any of the Client’s accounts is negative or if there is a debt to the Bank, ie. the Client exceeds the
      contractual overdraft facility approved, the Bank will charge an interest on the overdrawing in accordance with the provisions
      of the General Contractual Terms and Conditions and the Client Agreement.
    If there is no valid overdraft limit approved or contracted for the account with an unauthorised overdraft, the overdraft interest
      rate applicable for the unauthorised overdraft shall be the Bank’s effective lending base rate + 6% p.a. (in the case of HUF
      debt), or the O/N LIBOR effective for the given currency on that day (or the applicable inter-bank interest rate ) + 12% p.a.
      (in the case of FX debt).
    If there is a valid overdraft limit approved and contracted for the account with an unauthorised overdraft, the overdraft
      interest rate applicable for the unauthorised overdraft will be the reference rate established in the overdraft facility
      agreement + the interest surcharge as established in the agreement + 6% p.a. (in the case of HUF debt), or the reference
      rate for the given currency as established in the overdraft facility agreement + the interest surcharge as established in the
      agreement + 6% p.a. (in the case of FX debt).
    In the case of late payment of commissions, fees and other charges payable to the Bank, the Client is obliged to pay default
      interest for the period of late payment. The default interest rate will be the National Bank’s base rate + 7% p.a. in the case of
      HUF debt, or the O/N LIBOR effective for the given currency on that day (or the applicable inter-bank interest rate ) + 7%
      p.a. in the case of FX debt.
    The general provisions concerning the obligation to pay capital gains tax are specified in the Announcement titled „Term
      deposits for corporate clients”.
    The Bank will apply the official FX exchange rates quoted by the NBH whenever it is required by the relevant law or any
      stipulation of the relevant authority. In case the official exchange rate does not have to be applied, the Bank will use the
      exchange rate generated within its own competence. The Bank quotes three kinds of exchange rate: currency and FX
      exchange rate I until 8 o’clock and FX exchange rate II after 14:00. Exchange rates are defined on every business day of the
      Bank based on the current interbank market rates published on the ’Reuters Matching System’.
    The Bank reserves the right to apply variable exchange rates at its bank branches and to change the already announced
      exchange rate during the day whenever the money and capital market condition change.
    Special exchange rate: In the event of conversions of min. USD 50,000, the Bank may apply a special exchange rate. In
      case of EUR, the value limit of the special exchange rate is EUR 50,000.
    The Bank shall exclusively accept and process payment transfer orders in currencies listed by the Bank.
    Cost bearing of FX payment operations: In the event of payment operations in the currency of an EEA state without
      conversion within the EEA (European Economic Area), only the SHA cost bearing manner can be chosen.
     In the event of conversion orders within the EEA and if the currency of the payment account to be debited and the
     transaction is that of a EEA state, only SHA or OUR cost bearing manner can be chosen.
     If the payment operation includes a currency outside the EEA or the beneficiary holds its account in a non-EEA-state, any of
     the SHA, OUR and BEN cost bearing manners can be chosen.


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     The Bank shall be entitled to perform the payment operation by the SHA cost bearing code in the event of FX and
     international HUF non-conversion orders submitted in an EEA currency via the Electra and WISE electronic channels in
     relation to an EEA member state or if the BEN cost bearing code is given in case of conversion orders.
     The Bank shall be entitled to charge to the customer any fee charged back to our Bank because of giving an incorrect cost
     bearing code.
     SHA cost bearing manner: Commissions charged by the starting bank in the event of FX or international HUF transfers shall be
         paid by the customer, while the costs of all the other banks shall be borne by the beneficiary of the transfer.
     OUR cost bearing manner: In the event of FX or international HUF transfer, the customer shall bear all the costs related to the
         payment.
     BEN cost bearing manner: In the event of FX or international HUF transfer, the beneficiary shall bear all the costs related to the
         payment, including his/her own costs and the fees charged by the correspondent banks and the beneficiary’s bank.
     Countries of the European Economic Area, with their country codes and FX codes:
                           Countries of the European Economic Area     country codes        FX codes
                          EEA state
                          Austria                                           AT                 EUR
                          Belgium                                           BE                 EUR
                          Bulgaria                                          BG                 BGN
                          Cyprus                                            CY                 EUR
                          Czech-Republic                                    CZ                 CZK
                          Denmark                                           DK                 DKK
                          United Kingdom                                    GB                 GBP
                             Gibraltar                                       GI                GBP
                          Estonia                                           EE                 EEK
                          Finland – FI                                       FI                EUR
                            Aland Islands                                    FI                EUR
                          France                                            FR                 EUR
                            Martinique                                      MQ                 EUR
                            Guadeloupe                                      GP                 EUR
                            French Guyana                                   GF                 EUR
                            Réunion                                         RE                 EUR
                          Greece                                            GR                 EUR
                          Netherlands                                       NL                 EUR
                          Ireland                                            IE                EUR
                          Poland                                             PL                PLN
                          Latvia                                             LV                LVL
                          Lithuania                                          LT                LTL
                          Luxembourg                                        LU                 EUR
                          Malta                                             MT                 EUR
                          Hungary                                           HU                 HUF
                          Germany                                           DE                 EUR
                          Italy                                              IT                EUR
                          Portugal                                          PT                 EUR
                             Azores                                         PT                 EUR
                             Madeira                                        PT                 EUR
                          Romania                                           RO                RON
                          Spain – ES                                        ES                 EUR
                           (Canary Islands, Ceuta, Melilla)
                          Sweden                                            SE                 SEK
                          Slovakia                                          SK                 EUR
                          Slovenia                                           SI                EUR
                          non-EEA-state
                          Iceland                                            IS                ISK
                          Liechtenstein                                      LI                CHF
                          Norway                                            NO                 NOK




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    Client notice on the deposits insured by the National Deposit Insurance Fund (OBA)
     In accordance with Articles 97-107 of Act No CXII of 1996 on credit institutions and financial enterprises, the Board of
     Directors of OBA has instructed its member institutions to make a uniform client notice drafted by OBA available to their
     clients from 1 february 2011.
     The Client Notice, in addition to the general rules of OBA, provides clients with information on the deposits registered at a
     given bank under the name of its clients and insured by OBA as well as on the financial instruments issued and managed by
     the bank.
     This is to inform you that, in response to client request, K&H Bank will make the Client Notice on OBA deposits available
     during working hours, in which clients are informed about the current amount of deposits registered under their names and
     insured by OBA, current account and savings accounts and – of financial instruments – the bonds issued and managed by
     K&H Bank.
    National Deposit Guarantee Fund (NDGF) deposit guarantees
     Amounts placed with merged credit institutions prior to the merger and thereafter shall continue to be regarded as separate
     deposits in terms of the NDGF indemnity (i.e. in the case of IBUSZ Bank Rt., until the deposits are exhausted and in the
     case of ABN AMRO Magyar Bank Rt. for 5 years after the merger). In order to retain the separate NDGF deposit guarantee
     opportunity, the Bank manages deposits recorded on accounts formerly managed by the merged credit institutions as
     follows: The Bank regards the closing balance of the day prior to the merger (“deposit taken over”) as separately insured
     under the NDGF, whereas the amounts placed on the account after the merger (“K&H deposit”) as newly insured under the
     NDGF. Debits to the account following the merger reduce the amount of the K&H deposit, and only when that is exhausted
     do they reduce the amount of the deposit taken over. Deposits fixed prior to the merger (including rollover deposits) are
     considered as “deposits taken over”, while those fixed after the merger are considered as “K&H deposits”. Interest on sight
     and rollover deposits taken over is added to the amount of the deposit taken over, whereas interest on sight and term K&H
     deposits is added to the amount of the K&H deposit.




                                                            49/65
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V.        COMMENTS
1.   Standing orders can be submitted in branches, via Electra and via K&H corporate e-bank. Frequencies: daily, weekly,
     fortnightly monthly, quarterly, half-yearly, yearly. The earliest value date (first/next date of performance) of processed order based
     performance is the bank business day following the day when the order was submitted.
2.   Applied to prompt cash withdrawal or cash withdrawal before the notification deadline over the value limit indicated over the
     windows of cash desks in case the cash necessary to make the payment is available at the branch.
3.   After the cumulated HUF amount paid in and withdrawn banknote and coin – according to agreement – we shall give a
     turnover refund calculated for tiered increase. The settlement of the refund shall take place by calendar quarters. In case of
     prompt cash payment on the spot the size of the refund (the percentage key) shall be reduced by 0.15%.
4.   The bank executes the FX transfer orders via its foreign account keeping banks (except book transfers).
     Fees charged by other banks due to erroneous or missing IBAN or BIC (SWIFT) codes are debited to the principal’s (the
     account holder’s) account retroactively, even if the transaction fees are borne by the beneficiary according to the order.
5.   The client may revoke payment orders linked to a debit date until the end of the banking day prior to the debit date. In other
     cases, orders already submitted may only be cancelled by special arrangement, following consideration by the Bank on the
     date on which the order is processed. The bank will charge a fee for such revocations.
     Requests to have an order cancelled may be submitted as follows:
         An instruction to cancel an order may be submitted until the time at which processing begins.
         Paper-based transfer orders concerning which the bank has issued a statement certifying their irrevocable performance may not
          be cancelled on the day of processing. That is particularly valid for HUF transfers initiated toward the Customs and Finance
          Guard (VP).
         Banning performance of a transfer to a public service provider (direct debit order) in the event of a complaint is possible
       - during the opening hours of the branch on the banking day prior value date
       - via the TeleCenter or e-bank until 16 hours on the banking day prior to value date.
     The Bank shall accept modification / cancellation of orders via telephone only from clients having a ePIN-contract.
6.   In case of presenting paper based orders the cut-off time can be extended with 30 minutes. In case of using Electra service the
     cut-off time cannot be extended.
7.   Administration charges will be applied in the following cases:
     - Request for specific procedure,
     - Correspondence with banker as a result of incorrect order
     - Request for certificate that is available for clients free of charge via another channel
     - Specific correspondence with the Bank due to client error
     - If the Bank has to specifically call on Client to meet his obligations (for instance, repay outstanding debt).
8.   Notification fee will be applied in the following cases:
     - the original payment order is submitted on paper or via K&H SME customer service,
     - the bank refused the payment order and notified the customer in a paper based notification letter,
     - and the notification is sent in a separate.
9.   Postal commission via tariff of Magyar Posta Zrt .
     - Paper based account statement (within Hungary): non-priority, standard letter up to 30g, currently HUF 90
     - Paper based account statement: (European countries): non-priority, standard letter up to 20g, currently HUF 220
     - Paper based account statement: (non-European countries): non-priority, standard letter up to 20g, currently HUF 250
     - Card statement: non-priority, standard letter up to 50g, currently HUF 120
10. Confirmation in a separate letter is related to confirmations on account balance, payment of equity capital, account keeping, account
     turnover, access rights, account closure, specific deals with the bank.
11. Existing Isabel cards and readers can be used in WISE at no extra cost; billing by Isabel will continue as such.
    Remote = initiation of accounts outside KBC Group entities.
12. For the description of the parameters of the tools needed to use the SME e-bank, see the Internet address ’ebank.khb.hu’.
13. The Bank will undertake to process orders received on the same day, meaning that collection orders and documents will be
    forwarded to the buyer’s bank on the same day,
      the order and the documents received by bank’s Documentary Unit (1051 Vigadó tér 1.) before 12 AM.
     and
      the collection order contains correctly all the necessary information, and each documents are available in a proper form.
14. The prerequisite of the covenant connected to documentary deals is the approval of the Credit Committee of the Bank, and the
    as well as the preparation and subscription of the appropriate documentation.
15. Unit price of non certified copy of Title Deed obtained from Takarnet system. It is payable before loan disbursement, in case of
    mortgage covered loans, when the client does not submit the original copy of Title Deed.
16. Unit price of non certified copy of site plan obtained from Takarnet system. It is payable before loan disbursement, in case of
    mortgage covered loans, when the client does not submit the original copy of site plan.
17. Administration fee of credit report request submitted by the client to the Bank. BISZ Zrt. (BISZ Central Credit Information PLC)
    provides information that the customer submitted the request is registered/unregistered in CCIS database. It is payable when
    the client submit the credit report request to the Bank.




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18. Bill of exchange handling fee is an additional fee for domestic Bill of exchange only in case of collection, see 4.4 Other fees.
19. The Bank shall provide certain discounts In the case of taking several services specified in the Announcement together. In the
    case of taking advantage of several services specified in the Announcement together, the Bank shall provide certain discounts
    valid from the date following the application for such service package in question. In the event that such a service package
    contains a discount depending on the number of transactions per month, for this purpose the period of one month shall be
    understood to last until the last day of the subject month (or if that day is a holiday, then until the next working day), and the
    new period will commence on the next day thereafter. In the case of discounts depending on the number of transactions per
    month, discounts shall be granted on the transactions actually booked. The booking of cash withdrawal transactions
    performed with bankcards shall be subject to the deadlines applied by the international card companies and any eventual other
    credit institutions participating in the settlement of accounts. In view of such circumstances being outside of the scope of its
    competence, the Bank undertakes no responsibility for booking a given transaction in the month when it was actually
    performed.
20. Only private and small enterprises and Foundations and Social organisations




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                                                                                                                Appendix 1
                                          Notice of K&H Bank Zrt.

   1. On prevailing bank account sight interest rates
                                                   For corporate clients
                                            Effective: as of January 20, 2005

           HUF BANK ACCOUNT INTEREST RATE (=EBKM %)

                                            INTEREST RATE (ANNUAL %)
                                                            0.10 %
            EBKM: Uniform Deposit Interest Rate Ratio according to Government Decree No. 82/2010. (III. 25.).


           FOREIGN CURRENCY BANK ACCOUNT INTEREST RATES

                                                INTEREST                                  INTEREST
                             CURRENCY                                  CURRENCY
                                               RATE (% P.A.)                             RATE (% P.A.)
                                 USD               0.00 %                  AUD               0.00 %
                                 EUR               0.15 %                  JPY               0.00 %
                                 CHF               0.00 %                  NOK               0.00 %
                                 GBP               0.25 %                  CZK               0.00 %
                                 SEK               0.00 %                  SKK               0.00 %
                                 DKK               0.00 %                  PLN               0.00 %
                                 CAD               0.00 %


            SAVINGS
           The conditions of HUF and FX savings please see. On the Announcement on term deposits for coprorate
           clients.



   2. On the actual value of the „K&H Base rate”
                                                  For corporate clients
                                          Effective: as of November 13, 2008



                                                    K&H BASE RATE
                                                      14,20 % p.a.


   The value of the K&H Base Rate is defined according to money market tendencies, and the Bank shall
   review it from time to time. The K&H Base Rate shall exclusively be applicable in case of monthly interest
   payment!




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                                                                                                       Appendix 1


   3. On special conditions offered to Foundations
                                     Effective: as of November 24, 2003

       Terms and conditions not shown below are identical to those stipulated in sections I. of the
       Announcement

           HUF BANK ACCOUNT INTEREST RATES (=EBKM %)

                  DAILY CLOSING BALANCE                      INTEREST RATE (ANNUAL %)=EBKM
                      below HUF 1 million                                   0.50 %
                     HUF 1 million or above                                 1.00 %

        Threshold” interest rates. (once the balance reaches a higher level. the Bank shall apply the higher
        interest rate to the entire balance.).
        EBKM: Uniform Deposit Interest Rate Ratio according to Government Decree No. 82/2010. (III. 25.).

           FOREIGN CURRENCY TERM DEPOSITS

        Minimum amount to be deposited                                                        USD 1,000



   4. On special conditions offered to Social Organisations
                                      Effective: as of February 17, 2003

        Terms and conditions not shown below are identical to those stipulated in sections I. of the
        Announcement

           HUF BANK ACCOUNT INTEREST RATES (=EBKM %)

                  DAILY CLOSING BALANCE                      INTEREST RATE (ANNUAL %)=EBKM
                      below HUF 1 million                                   0.50 %
                     HUF 1 million or above                                 1.00 %

        Threshold” interest rates. (once the balance reaches a higher level. the Bank shall apply the higher
        interest rate to the entire balance.).
        EBKM: Uniform Deposit Interest Rate Ratio according to Government Decree No. 82/2010. (III. 25.)


           FOREIGN CURRENCY TERM DEPOSITS

        Minimum amount to be deposited                                                        USD 1,000




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                                                                                                       Appendix 1
   5. On special conditions offered to Lawyers, Public Notaries and Executors
                                        Effective: as of March 15, 2006


        Terms and conditions not shown below are identical to those stipulated in sections I. of the
        Announcement


           CUSTODY ACCOUNT INTEREST RATES (=EBKM %)

                                        INTEREST RATE (ANNUAL %)
                    The actual rate of 1 month term deposit (10-30 Million range) minus 2%


        EBKM: Uniform Deposit Interest Rate Ratio according to Government Decree No. 82/2010. (III. 25.)



   6. Interest rate of K&H statutory and és K&H cash custody account
                                      Effective: as of January 20, 2005

        Terms and conditions not shown below are identical to those stipulated in sections I. of the
        Announcement

           K&H STATUTORY ACCOUNT

                  DAILY CLOSING BALANCE                     INTEREST RATE (ANNUAL %)=EBKM
                      below HUF 1 million                                  0.50 %
                     HUF 1 million or above                                1.00 %

           K&H CASH CUSTODY ACCOUNT

                  DAILY CLOSING BALANCE                     INTEREST RATE (ANNUAL %)=EBKM
                      below HUF 10 million                                 0.50 %
                     HUF 10 million or above                               1.00 %

        Threshold” interest rates. (once the balance reaches a higher level. the Bank shall apply the higher
        interest rate to the entire balance.).
        EBKM: Uniform Deposit Interest Rate Ratio according to Government Decree No. 82/2010. (III. 25.)




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                                                                                                                              Appendix 2

  K&H Bank Zrt.’s announcement of the deadlines for the submission of orders
                      and the order of execution thereof
                                                     FOR CORPORATE CLIENTS
                                                  EFFECTIVE AS FROM 1 AUGUST 2010

For the purpose of the following, ’T Day’ is always to be considered as a ’business day of the Bank’. If the order is submitted on a holiday,
it will be executed on the next business day of the Bank.
Value-dated orders submitted in advance will be accepted and performed on the value date indicated in the order. In the case of standing
orders performance occurs on the value dates specified in the order. The value date of the order can only be a bank business day. If the
value date given in advance (value-dated or standing orders) is a holiday, the order will be submitted and performed on the Bank’s
business day following the value date indicated.
Orders may be submitted using the services of Electra, Wise or Corporate e-Bank. Electronic orders not detailed here or in the
Announcement for corporate clients holding term deposits may be submitted every day from 0-24 hours and will be performed immediately.

1.      PAYMENTS IN HUNGARIAN FORINT (ONLY WITH REGARD TO HUNGARIAN FORINT ACCOUNTS)
Any payment in HUF to the debit of FX accounts is subject to the provisions of point 2.

1.1.    Intrabank book transfers and transfers (amounts credited or debited)
                                                                                                                       Credited to the
                                                                                               Debited to the
 Order submitted                                                        Accepted                                        Beneficiary’s
                                                                                              Client’s account
                                                                                                                          account
 Paper (PFNY11):
 During the business hours of the bank branch by “drop box”:              T Day                    T Day                   T Day
 until 14:00 on T Day                                                    T+1 Day                  T+1 Day                 T+1 Day
 after 14:00 on T Day
 hand over personally during the business hours of the bank
 branch:
 until 16:00 on T Day                                                     T Day                    T Day                   T Day
 after 16:00 on T Day                                                    T+1 Day                  T+1 Day                 T+1 Day
 Electronic:
 Around the clock every day of the year: until 17:00 on T Day             T Day                    T Day                   T Day
 after 17:00 on T Day                                                    T+1 Day                  T+1 Day                 T+1 Day
 By telephone (K&H SME customer service):
  Around the clock every day of the year: until 17:00 onT Day            T Day                  T Day                  T Day
  after 17:00 on T Day                                                 T+1 Day                 T+1 Day               T+1 Day
Ad hoc paper-based orders or orders started via K&H SME customer service can be submitted for maximum the 90th calendar day
following the acceptance day, while electronically started ad hoc orders can be submitted for max. the 365th calendar day following the
acceptance day.

1.2.    Payments from outside the Bank and payments leaving the Bank
1.2.1. Amounts credited – depositing cash without conversion
                                                                     Accepted
 Order submitted                                                                                   Credited on the Beneficiary’s account
                                                                 (depositing cash)
 During the business hours of the bank branch                        T Day                                     T Day
 (cash counter)
Bulk bag cash payments are subject to the provisions of a special agreement by and between the Client and the Bank.
1.2.2. Amounts credited – depositing cash with conversion
                                                                Accepted                     Credited to the
 Order submitted                                                                           Beneficiary’s account       Exchange rate
                                                             (depositing cash)
 During the business hours of the bank branch                    T Day                        T Day                 FCY buy rate
 (cash counter)
Bulk bag cash payments are subject to the provisions of a special agreement by and between the Client and the Bank.
1.2.3. Amounts credited – transfer via the Giro system of domestic payments
 Credited to the Bank’s account held with the NBH (date of the          Credited to the Beneficiary’s account
 notification of Giro Zrt.)
  T Day                                                                 T Day
1.2.4. Amounts credited – transfer via the VIBER system of domestic payments
 Credited to the Bank’s account held with the NBH, which notifies                     Credited to the Beneficiary’s account
 the Bank of this




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 T Day                                                                  T Day, within 2 hours of the receipt of the notification of the NBH


                                                                                                                              Appendix 2
1.2.5. Amounts debited – cash withdrawal without conversion
                                                                            Accepted
 Order submitted                                                                                       Debited to the Client’s account
                                                                        (cash withdrawal)
 During the business hours of the bank branch (cash counter)                  T Day                                T Day

1.2.6. Amounts debited – cash withdrawal with conversion
                                                           Accepted                   Debited to the Client’s
 Order submitted                                                                                                      Exchange rate
                                                       (cash withdrawal)                    account
 During the business hours of the bank branch
 (cash counter)                                                T Day                           T Day                   FCY sell rate
1.2.7. Amounts debited – postal payment order
                                                                                           Value date of the           Starting date of
 Order submitted                                                       Accepted          amount debited to the        processing by the
                                                                                           Client’s account                  Bank
 Paper, electronic (floppy):
 During the business hours of the bank branch:
  until 10:00 on T Day                                                  T Day                    T Day                      T Day
 after 10:00 on T Day                                                  T+1 Day                  T+1 Day                    T+1 Day
 Electronic (not floppy):
 Around the clock every day of the year:
 until 10:00 on T Day                                                   T Day                    T Day                      T Day
 after 10:00 on T Day                                                  T+1 Day                  T+1 Day                    T+1 Day
Value-dated orders can be submitted electronically maximum 10 calendar days before the performance.
1.2.8. Amounts debited – transfer via the Giro system of domestic payments
                                                                                                             Credited to the NBH account
                                                                                          Debited to the
 Order submitted                                                          Accepted                           of the Beneficiary’s bank (at
                                                                                         Client’s account
                                                                                                                     the earliest)
 Paper (PFNY11):
 During the business hours of the bank branch by “drop box”:             T Day           T Day                    T+1 Day
  until 14:00 on T Day                                                  T+1 Day         T+1 Day                   T+2 Day
  after 14:00 on T Day
 hand over personally during the business hours of the bank branch:      T Day           T Day                    T+1 Day
  until 16:00 on T Day                                                  T+1 Day         T+1 Day                   T+2 Day
  after 16:00 on T Day
 Electronic:
 Around the clock every day of the year:
 until 17:00 on T Day                                                    T Day           T Day                    T+1 Day
 after 17:00 on T Day                                                   T+1 Day         T+1 Day                   T+2 Day
 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 17:00 on T Day                                                    T Day           T Day                    T+1 Day
 after 17:00 on T Day                                                   T+1 Day         T+1 Day                   T+2 Day
Ad hoc orders started paper-based or via K&H SME customer service can be submitted for maximum the 90th calendar day following the
acceptance day, while electronic ad hoc orders can be submitted for maximum the 365th calendar day following the acceptance day.

1.2.9. Amounts debited – transfer via the VIBER system of domestic payments
                                                                                                                         Credited to the
 Order submitted                                        Accepted               Debited to the Client’s account            Beneficiary’s
                                                                                                                            account
 Paper (PFNY11):
 During the business hours of the bank branch
 until 14.00 on T Day                                     T Day         T Day (within 2 hours of the acceptance)        T Day
 after 14:00 on T Day                                    T+1 Day                        T+1 Day                       T+1 Day
 Electronic:
 Around the clock every day of the year:
 until 15:30 on T Day                                     T Day         T Day (within 2 hours of the acceptance)        T Day
 after 15:30 on T Day                                    T+1 Day                        T+1 Day                       T+1 Day
 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 14:00 on T Day                                     T Day         T Day (within 2 hours of the acceptance)        T Day
 after 14:00 on T Day                                     Day 1                         T+1 Day                       T+1 Day
Ad hoc orders started paper-based or via K&H SME customer service can be submitted for maximum the 90th calendar day following the
acceptance day, while electronic ad hoc orders can be submitted for maximum the 365th calendar day following the acceptance day.



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The Bank reserves the right to evaluate transfers of above HUF 50 mln on a case-by-case basis and to refuse the given transfer depending
on the situation on the HUF money market.

                                                                                                                           Appendix 2

1.3.   Direct debit or credit orders
1.3.1. Direct credit
 Order submitted                                                            Accepted                         Order processed
 Electronic:
 Around the clock every day of the year:
 until 17:00 on T Day                                                        T Day                                T Day
 after 17:00 on T Day                                                       T+1 Day                              T+1 Day
Value-dated orders can be electronically submitted 14 calendar days before the performance at the latest.
1.3.2. Direct debit
 Order submitted                                                            Accepted                         Order processed
 Electronic:
 Around the clock every day of the year:
 until 17:00 on T Day                                                         T Day                               T Day
 after 17:00 on T Day                                                        T+1 Day                             T+1 Day




1.4.   Other orders
1.4.1. Authorisation for direct debit; modification or cancellation thereof
 Order submitted                                                         Accepted                           Order processed
 Paper (PFNY31, PFNY31/A or an order with the same
 data content):
 During the business hours of the bank branch
 until 15.00 on T Day                                                     T Day                                T+5 Day
 after 15:00 on T Day                                                    T+1 Day                               T+6 Day

 Electronic:
 Around the clock every day of the year:
 until 17:00 on T Day                                                     T Day                                T+1 Day
 after 17:00 on T Day                                                    T+1 Day                               T+2 Day

 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 17:00 on T Day                                                     T Day                                T+5 Day
 after 17:00 on T Day                                                    T+1 Day                               T+6 Day

1.4.2. Blocking the performance of direct debit
 Order submitted (É: value date of the performance)                         Accepted                        Order processed
 Paper:
 During the business hours of the bank branch
 until 16:00 on É-1 day                                                     É-1 day                             É-1 day
 Electronic:
 Around the clock every day of the year:
 until 17:00 on É-1 day                                                     É-1 day                             É-1 day

1.4.3. Giving a letter of authorisation for collection; modification or cancellation thereof
 Order submitted                                                 Accepted                               Order processed
 Paper:
 During the business hours of the bank branch
 until 15.00 on T Day                                             T Day                                      T+5 Day
 after 15:00 on T Day                                            T+1 Day                                     T+6 Day




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                                                                                                                              Appendix 2
1.4.4. Collection order, authority payment
    Order submitted                                                                  Accepted                  Order processed
    Paper – without an attached document (PFNY41, PFNY71):
    During the business hours of the bank branch
    until 14.00 on T Day
    after 14:00 on T Day                                                               T Day                          T Day
                                                                                      T+1 Day                        T+1 Day
    Paper – with an attached document (PFNY41):
    During the business hours of the bank branch
    until 14.00 on T Day                                                               T Day                         T+2 Day
    after 14:00 on T Day                                                              T+1 Day                        T+3 Day
  Electronic (without an attached document):
  Around the clock every day of the year:
  until 14:00 on T Day                                                                 T Day                          T Day
  after 14:00 on T Day                                                                T+1 Day                        T+1 Day
In case of partial repayments, the minimum instalment is HUF 1000.

1.4.5. Warrant payment
    Order submitted
                                                                       Accepted                          Order processed
    (Date of postal receipt/delivery: T Day)
  During the business hours of the Bank (8:00-16:00)
  until 14:00 on T Day                                                   T Day                                T Day
  after 14:00 on T Day                                                  T+1 Day                              T+1 Day
In case of partial repayments, the minimum instalment is HUF 1000.

1.4.6. Refund claim
    Order submitted                                                Accepted                             Order processed
    Paper:
    During the business hours of the bank branch
    until 14:00 on T Day                                              T Day                                 T+9 Day
    after 14:00 on T Day                                             T+1 Day                                T+10 Day

1.4.7. Standing order submission (from August 1, 2010)
    Order submitted                                               Accepted                             Order processed
    Paper (P 1):
    During the business hours of the bank branch                     T Day                                  T Day *
    Electronic:
    Around the clock every day of the year:
    until 17:00 on T Day                                             T Day                                  T Day*
    after 17:00 on T Day                                          T+1 Day                                  T+1 Day*
    By telephone (K&H SME customer service):
    Around the clock every day of the year:
    until 17:00 on T Day                                             T Day                                  T Day *
  after 17:00 on T Day                                               T+1 Day                                T+1 Day*
*
 The earliest value date (first/next date of performance) of processed order based performance is the bank business day following the day when
the order was submitted.

                                                       5
1.4.8. Standing order modification, termination (from August 1, 2010)
    Order submitted                                               Accepted                              Order processed
    Paper (P 1):
                                                                                                                          *
    During the business hours of the bank branch              Value date-1day                           Value date-1day
    Electronic:
    Around the clock every day of the year:
    until 5 p.m. on Value date-1day                           Value date-1day                           Value date-1day *
    By telephone (K&H SME customer service):
    Around the clock every day of the year:
  until 5 p.m. on Value date-1day                                 Value date-1day                        Value date-1day *
*
 The earliest value date (first/next date of performance) of processed order based performance is the bank business day following the day when
the order was submitted.



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                                                                                                                                 Appendix 2
2.     PAYMENTS PERFORMED IN FOREIGN CURRENCY; HUNGARIAN FORINT PAYMENTS STARTED FROM AN
       FX ACCOUNT AND TO BE PERFORMED VIA THE GIRO SYSTEM; HUNGARIAN FORINT PAYMENTS
       STARTED FROM A HUF OR FX ACCOUNT AND TO BE PERFORMED VIA SWIFT.

When converting FX transactions (conversion), the Bank will use the exchange rate of the processing date, in line with the direction of the
transaction (buying/selling), as indicated below. MT101 orders are subject to the provisions of electronic submission.

2.1.   Intrabank HUF and FX book transfers and transfers (amounts credit and debited)
2.1.1. Without conversion
                                                                                                   Debited to the       Credited to the
 Order submitted                                                             Accepted
                                                                                                  Client’s account    Beneficiary’s account
 Paper:
 During the business hours of the bank branch
 until 10.00 on T Day                                                         T Day                   T Day                   T Day
 after 10:00 on T Day                                                        T+1 Day                 T+1 Day                 T+1 Day

 Electronic:
 Around the clock every day of the year:
 until 14:00 on T Day                                                         T Day                   T Day                   T Day
 after 14:00 on T Day                                                        T+1 Day                 T+1 Day                 T+1 Day

 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 10:00 on T Day                                                         T Day                   T Day                   T Day
 after 10:00 on T Day                                                        T+1 Day                 T+1 Day                 T+1 Day
 to securities client account:
 Paper: During the business hours of the bank branch T Day                    T Day                    T Day                     T Day
 Electronic and by telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 17:00 on T Day                                                         T Day                    T Day                     T Day
 after 17:00 on T Day                                                        T+1 Day                 T+1 Day                 T+1 Day
2.1.2. With conversion
                                                                                                               Credited to the
                                                                                          Debited to the                            exchange
 Order submitted                                                      Accepted                                  Beneficiary’s
                                                                                         Client’s account                              rate
                                                                                                                  account
 Paper:
 During the business hours of the bank branch                                                                                            FX I
 until 10.00 on T Day                                                  T Day                  T Day                T Day
 after 10:00 on T Day                                                 T+1 Day                T+1 Day              T+1 Day

 Electronic:
 Around the clock every day of the year:                                                                                                 FX I
 until 14:00 on T Day                                                  T Day                  T Day                T Day
 after 14:00 on T Day                                                 T+1 Day                T+1 Day              T+1 Day

 By telephone (K&H SME customer service):
 Around the clock every day of the year:                                                                                                 FX I
 until 10:00 on T Day                                                  T Day                  T Day                T Day
 after 10:00 on T Day                                                 T+1 Day                T+1 Day              T+1 Day

2.2.   Payments from outside the Bank and payments leaving the Bank
2.2.1. Amounts credited – depositing cash
                                                            Accepted                    Credited to the
 Order submitted                                                                         Beneficiary’s                exchange rate
                                                         (depositing cash)                 account
 During the business hours of the bank branch
 (cash counter)                                               T Day                         T Day              FCY buy rate / FX I sell rate
Bulk bag cash payments are subject to the provisions of a special agreement by and between the Client and the Bank.
2.2.2. Amounts credited – transfer without conversion
                                                                                          Credited to the Beneficiary’s account
 Receiving date of order (T Day)                                 performance
                                                                                          (É Day = with nostro / vostro value date)
 In EEA currency:
 until 16.00 on T Day                                            T Day                    É Day
 after 16:00 on T Day                                            T+1 Day                  É Day
 In non-EEA currency:
 until 16.00 on T Day                                            T Day                    É+1Day
 after 16:00 on T Day                                            T+1 Day                  É+1Day


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                                                                                                                                 Appendix 2
2.2.3. Amounts credited – transfer with conversion (including the amounts to be credited to FX accounts received via the GIRO
and VIBER systems)
 Receiving date of order    performan     Credited to the Client’s account                                                       exchange
 (T Day)                    ce            (É Day = with nostro / vostro value date)                                                 rate
 In EEA currency:
 until 16.00 on T Day       T Day         É Day, value date, at the exchange rate in force on the day the item is credited           FX I
 after 16:00 on T Day                     É Day, value date, at the exchange rate in force on the day the item is credited
                            T+1 Day
 In non-EEA currency:
 until 16.00 on T Day       T Day         T+2 Day (but not earlier than the nostro value date), at the exchange rate in force
                                          on the day the item is processed                                                           FX II
 after 16:00 on T Day       T+1 Day       T+3 Day (but not earlier than the nostro value date) , at the exchange rate in force
                                          on the day the item is processed
2.2.4. Amounts debited – cash withdrawal
                                                        Accepted                  Debited to the
 Order submitted                                                                 Client’s account                    exchange rate
                                                    (cash withdrawal)
 During the business hours of the bank
                                                          T Day                     T Day              FX I buy rate / FCY sell rate
 branch (cash counter)
In case of difference between the currency of the cash transaction and the affected account (thus conversion is performed), the Bank shall
utilise the announced FX exchange rates effective on the day of the cash transaction.
2.2.5. Amounts debited – transfer without conversion
                                                                                                      Credited to the nostro account of the
                                                                                Debited to the
 Order submitted                                            Accepted                                  Beneficiary’s bank at the earliest (FX
                                                                               Client’s account
                                                                                                                   value date)
 Paper:
 During the business hours of the bank branch
 until 10.00 on T Day                                   T Day                T Day                       T+2 Day
 after 10:00 on T Day                                  T+1 Day              T+1 Day                      T+3 Day
 Electronic:
 Around the clock every day of the year:
 until 14:00 on T Day                                   T Day                T Day                       T+2 Day
 after 14:00 on T Day                                  T+1 Day              T+1 Day                      T+3 Day
 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 14:00 on T Day                                   T Day                T Day                       T+2 Day
 after 14:00 on T Day                                  T+1 Day             T+1 Day                       T+3 Day
Foreign currency transfer orders via the SME e-bank cannot be made in the currency of Romania (RON), Turkey (TRY), and Russia
(RUB). Foreign currency orders via W1SE and the K&H Corporate Line cannot be made in the currency of Russia (RUB).
2.2.6. Amounts debited – transfer with conversion
                                                                                                        Credited to the nostro
                                                                                   Debited to the           account of the       Exchange
 Order submitted                                                  Accepted           Client’s           Beneficiary’s bank at      rate
                                                                                     account            the earliest (FX value
                                                                                                                 date)
 Paper:
 During the business hours of the bank branch
 until 10.00 on T Day                                         T Day            T Day               T+2 Day                           FX II
 after 10:00 on T Day                                        T+1 Day          T+1 Day              T+3 Day
 Electronic:
 Around the clock every day of the year:
 until 14:00 on T Day                                         T Day            T Day               T+2 Day                           FX II
 after 14:00 on T Day                                        T+1 Day          T+1 Day              T+3 Day
 By telephone (K&H SME customer service):
 Around the clock every day of the year:
 until 14:00 on T Day                                         T Day            T Day               T+2 Day                           FX II
 after 14:00 on T Day                                        T+1 Day          T+1 Day              T+3 Day
Foreign currency transfer orders via the SME e-bank cannot be made in the currency of Romania (RON), Turkey (TRY),                   and Russia
(RUB). Foreign currency orders via W1SE and the K&H Corporate Line cannot be made in the currency of Russia (RUB).
2.2.7 Urgent HUF and urgent FX transfer (with or without conversion)
                                                                        Debited to the        Credited to the Beneficiary’s      Exchange
 Order submitted                                   Accepted
                                                                       Client’s account                 account                    rate
 Electronic:
 Around the clock every day of the year:
 until 14:00 on T Day                                 T Day              T Day                   T Day                  FX I
 after 14:00 on T Day                                T+1 Day            T+1 Day                 T+1 Day
Urgent foreign currency and international HUF transfer orders can only be given via the Electra or W1SE electronic systems. Urgent
foreign currency transfer orders can only be given in CAD, EUR, or USD.




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                                                                                                                Appendix 3
                                                      Information
 1. Information on the companies in the interest of the bank
With reference to Chapter “4. Data protection and data management. information provision” of the Business Rules. the
companies in the interest of the Bank are the following:

       K&H Biztosító Zártkörűen működő Részvénytársaság
                  Székhely: 1068 Budapest, Benczúr u. 47.
       K&H Csoportszolgáltató Kft.
                  Székhely: 1051 Budapest, Vigadó tér 1.
       K&H Értékpapír Befektetési Alapkezelő Zártkörűen működő Részvénytársaság
                  Székhely: 1051 Budapest, Vigadó tér 1.
       K&H Pannonlízing Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Eszközfinanszírozó Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Eszközlízing Kft.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Lízingház Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Lízing Zártkörűen működő Részvénytársaság
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Autófinanszírozó Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Lízingadminisztrációs Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Autópark Kft.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Ingatlanlízing Zrt.
                  Székhely: 1068 Budapest, Dózsa György út 84/a.
       K&H Medicina Egészségpénztár
                  Székhely: 1126 Budapest, Böszörményi út 24/b
       K&H Önkéntes Nyugdíjpénztár
                  Székhely: 1126 Budapest, Böszörményi út 24/b
       K&H Faktor Zrt.
                  Székhely: 1051 Budapest, Vigadó tér 1.

 2.       Information about the Data-warehouse
K&H Bank -for unit registering customer related data and further business purposes- stores personal data of retail
customers (personal and business ID) and firm data of corporate customers in a central register, the so-called data-
warehouse.
•   The register ranges all customers having active or terminated contract with the Bank.
•   The register is available only for the entitled staff members of the Bank.
•   The Bank is bound to retain all data in archive form for the determined retention period according to the Act CXII of
1996 “On Credit Institutions and Financial Enterprises”.

 3.       Information about SWIFT data management
In accordance with Article 6(2) of Act LXIII of 1992 on the protection of personal data and the publicity of data of common
interest, we would like to inform our customers, that our bank, as all other European banks, performs all international
financial transactions using the SWIFTNet FIN services of the company SWIFT having its seat in Belgium. The operational
centre of SWIFT also stores the data of the European financial transactions in the databank based in the United States
duplicated for security reasons. This means that the data of the European international financial transactions stored in the
operational centre has to comply with the laws of the United States, i.e. the American authorities could receive access to
the personal data stored in the operational centre with a view to fight against terrorism also in cases of the international
financial transactions of the European customers of the banks. This right of the United States of America ensures a
different protection of the personal data to that of the European Union. Of course, our customers still keep their rights
originating from the data protection legislation of the EU, and they can still practice their rights connected to these laws.
SWIFT itself is doing everything in its power to ensure that their service complies more and more with the data protection
criteria of the Union.
Further information on the subject can be found on the web site www.bankszovetseg.hu.




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                                                                                                          Appendix 4
                                Notice of Payment Title Codes Multiple HUF orders
                                                        EFFECTIVE: AS OF JUNE 1, 2010

The tables below show the effective payment title codes as defined by GIRO Rt. and NBH.

MULTIPLE HUF PAYMENTS (DIRECT DEBIT AND CREDIT)
Title codes are to be indicated in CAPITAL LETTERS in the messages of multiple transfer orders!


        main type                        type                                subtype              title code
                                Vehicle                           “Weight tax”                        AGS
                                Local tax                         Vehicle                             AGK
                                                                  House tax                           AHA
           Taxes
                                                                  Business activity tax               IPA
                                                                  Public works tax                    KOA
                                Other                                                                 AGY
  Subcontractor fee                                                                                   AVD
     Rental fee                                                                                       BRL
                                Personal                          Accident                            BEB
                                                                  Other                               BEE
                                                                  Life                                BET
                                                                  Combines                            BKB
                                                                  Insurance policy loan               BKK
                                                                  Personal property                   BLV
                                                                  Pension                             BNY
                                                                  Home                                BEO
        Insurance               Vehicle                           CASCO                              BGC
                                                                  Mandatory                          BGK
                                                                  Mandatory and CASCO                 BGX
                                Payment at maturity                                                   BLU
                                (as of April 1, 2009)
                                Surrender                                                           BVU
                                (as of April 1, 2009)
                                Claim settlement                                                    BKU
                                (as of April 1, 2009)
                                Other                                                               BGY
 Health fund                                                                                        EPT
                                                                                                    EGY
                                                                  Remuneration for collected        TEJ
                                                                  mother’s milk
                            Other
                                                                  Orders of the Student Loan        DHK
                                                                  Centre
                                                                  Livestock                         EFK
                                                                  Collect on delivery               UTV
 Life-annuity                                                                                       ETJ
                                Publisher / distributor                                             KNY
                                TV                                HBO                               HBO
                                                                  Cable TV                          KTV
      Subscription
                                                                  Wire                              ETV
                                Newspaper                                                           EFU
                                Other                                                               FGY
                                Dividend                          interest (bond)                   EKK
        Securities                                                Capital (bond)                    EKT
                                 Other                                                              PGY
 Child maintenance                                                                                  GYT
 Credit                                                  Initial set-up fee                         HBJ


                                                                          62/65
Announcement for corporate clients




                                        Collateral management fee                  HFK
                                        Collateral modification fee                HFV
                                        Payment Protection Insurance premium       BHT
Credit                                  Commitment fee                             HRT
                                        Amendment fee                              HSM
                                        Administration fee                         HUG
                                        Collateral value revision fee              HEF
                                        Collateral value calculation fee           HEM
                                        Extraordinary loan account statement fee   HKK
                                        Debt assumption fee                        HTA
                                        Certificate issuance fee                   HIK
                                        Credit-related technical expert fee        HMS
                                        Credit-related subsequent revision fee     HUE
                       Transfer               real estate                           IAI
                                              Other                                IAE
   Fees, duties
                       Customs                                                     VAM
                       Other                                                       IGY
                       Sewage                                                      CST
                       fee collector                                               DIJ
                       Renovation. refurbishment                                   FUJ
                       Heating                                                     FUT
                       Gas                                                         GAZ
                       Chimney sweep                                               KEM
                       Shared expenses                                             KTS
    Household          Rent                                                        LBR
                       Hot water                                                   MVZ
                       Refuse collection                                           SZE
                       Water treatment fee                                         SZV
                       Distance heating + hot water                                THO
                       Electricity                                                 VIL
                       Water                                                       VIZ
                       Other (e.g. garage or shop rent)                            KGY
                       loan disbursement                                           LHF
                       Interest                                                    LKA
  House saving
                       Savings                                                     LME
  associations
                       Instalment                                                  LTO
                       Other                                                       LGY
                       Salary                                                      MUN
                       Provision type          family benefit                      CSP
                                               Food allowance                      ETK
                                               maternity benefit (GYED)            GYD
                                               maternity benefit (GYES)            GYS
                                               salary supplement                   ILK
                                               royalty                             TID
                                               sickness benefit                    TPZ
                                              Family benefits                      CSE
         Salary
                                              Salary compliment to persons with    KER
                                              reduced working ability
                                              Allowance for the disabled           FOT
                                              Personal allowance for the blind     VSZ
                                              Travel expenses benefit              UKT
                                              Cafeteria                            CAF
                       Deducted from          suspension of instalment             MHL
                       employee
                       Other                                                       MGY
                                                    Recompense                     JUT
                                                    Assignment fee                 MBD
Salary + provision                                                                 ELL


                                                    63/65
Announcement for corporate clients




                 health insurance                                          EGS
    Employer’s
                 pension fund                                              NYP
     payment
                 Other                                                     UGY
Unemployment benefit                                                       MNJ
Pension                                                                    NYG
                 Voluntary           Uniform (ordinary. regular)           NOE
                                     Supplement                            NOK
   Pension fund
                       Private       Uniform (ordinary. regular)           NME
    payments
                                     Supplement                            NMK
                       Other                                               NGY
OJB allowance                                                              OJB
Dividend                                                                   OTK
                       Regular       Nursing fee                           APD
                                     Debt reduction support                ACS
                                     Diabetic aid                          CBT
                                     One-off enrolment aid                 EKB
                                     One-off Christmas aid                 EKS
                                     Children maintenance fee              GYM
                                     advance
                                     Medicinal product susidy              GST
                                     Children defensive aid                GYV
                                     Aid for payment of arreas             HKS
                                     Old age allowance                     IDJ
                                     Income replacement aid                JPT
   Municipality
                                     Aid of income replacement for         MJT
    support
                                     the unemployed
                                     Social aid of the unemployed          MSZ
                                     Educational aid                       NVS
                                     Allowance for pre-school care         OVT
                                     Availability allowance                RAT
                                     Emergency child protection aid        RKT
                                     Social active aid                     SAS
                                     Social aid                            SZS
                                     Supplementary family                  KCS
                                     allowance
                       Other         Temporary aid                         AMS
                                     Home maintenance aid                  LFT
                                     Traffic aid of the handicapped        MKT
                       Regular       Tourist tax payable for the time of    TII
                                     stay
                                     Luxury tax                            LUX
                                     Soil pollution charge                 TTD
                                     Home creation support                 OTT
                                     Funeral aid                           TMS
                                     Development of public utilities       KFH
                                     contribution
   Municipality        Tax           Building fax                          EPA
    support                          Plot tax                              TEA
                                     Sewage tax                            VKA
                                     Tourism tax                           IDA
                                     Tourism building tax                  IEA
                                     Tax on income from sales of           TFA
                                     arable land
                                     Delay substitute                      KEP
                                     Penalty                               BRS
Scholarship                                                                OSZ
Money transfer                                                             PEA
Disability allowance                                                       RKE




                                            64/65
Announcement for corporate clients




Supplier’s payment Settlement                                                SKK
    obligation
                   Automobile Club                                           TAK
                   network/web service     CompuServ                         TCS
                   providers               Internet                          TIT
 Membership fees
                   International Police Association                          TIP
                       (as of April 1, 2009)
                       Other                                                 DGY

                       Tuition                                               TAN
                       students’ hostel                                      KOL
   Tuition fees        catering / food                                       EEK
                       electronic student ID card                            DIG
                       Other                                                 JGY
                       Mobil                                                 TEM
    Telephone          Wire                                                  TEL
                       Other                                                 TGY
     Allowance         Meal allowance                                        TED
                       deposit-type            “house pre-saving”            ELO
                       loan                    Consumer                      THA
                                               building/construction         THE
                                               Vehicle                       TGH
                                               Mortgage bank loan            JHT
                                               FX home loan /mortgage loan   THD
                                               Debt rearrangement loan       THT
                                               Lombard                       THL
    Instalment
                                               Personal                      THS
                                               Other                         TOH
                       Interest                                              TOK
                       leasing fee                                            LIZ
                       Other                                                 RGY
                                                    Handling cost            TKK
                                                    Intervention charge      TEI
                                                    Edifice tax              TEE
                   Tax                                                       VAD
                   CASCO bonus                                               VCB
                   Fee                                                       VDU
                   Damages payment                                           VKF
                   Insurance. retransfer of received damages                 VKI
      Refund
                   Repurchase               Transfer of repurchase           VUT
                                            Retransfer of returned           VVU
                                            repurchase
                   Housing                                                   VLK
                   Other                                                     VGY
Vízközmű association fee                                                     VKD




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