PUBLIC ANNOUNCEMENT – WITH A TURNOVER SPECIAL FEE · account packages conditions (14) The fee for services marked with X in sections "Account package contents" are included in the

(A)

(B)

(C)

Changes are shown in italics in the text.

The reason for modifying this Public Announcement is the changes of the fees of instant cash deposits through ATM due to the 2019 inflation rate.

Fees for instant cash deposits through ATM, in the Public Announcement, change—according to Paragraph (14) of I. General Provisions of the Debit Card Business Regulations—by the rate

of the annual consumer price index disclosed by the Hungarian Central Statistical Office for the previous year (3.4% in 2019).

Published: 14 February 2020

Date of effect: 1 March 2020

PUBLIC ANNOUNCEMENT – WITH A TURNOVER SPECIAL FEE On commissions, fees and costs with regard to the HUF and foreign currency accounts

of the micro and small enterprise clientele

OTP Bank Plc., based on the conditions specified in the Corporate Division Business Regulations, classifies those sole traders, enterprises with legal personality and without legal personality, foundations ,

organisations managing public donations, non-profit and other organisations not belonging to public service, whose product usage is limited to standard enterprise products only, and whose total banking

obligations does not exceed 250 million HUF. If the enterprise is a member of a company group, the value limit applies to the enterprises combined. Irrespective of these conditions, condominiums and

housing cooperatives also belong to this client base. The products covered by this public announcement belong to the standard enterprise product range of OTP Bank Plc.

OUR CURRENT PROMOTIONAL OFFERS

Account opening promotion in an OTP branch: For enterprise (except Gold) or condominium account package applied for and opened in any OTP branch by an enterprise client between 1 January 2020 and 30 June

2020, in case of authenticated electronic bank account statement, as of the month of opening the account, the Bank shall not charge the account keeping monthly fee for 6 months if the client had not opened previously

(but after 1 January 2019) any current account or payment account with OTP Bank Plc.

Account opening promotion in case of online application: For enterprise (except Gold) account package applied for online (on page https://otpbusiness.hu) and activated in a branch between 1 January 2020 and 30

June 2020 by an enterprise client, if the authenticated electronic bank account statement is requested as of the month (of activating in a branch) of the account, the Bank shall not charge the account keeping monthly fee

for 12 months if before opening the account the enterprise had not had any current account or payment account with OTP Bank Plc.

Promotion of online service for retrieval of electronic company registry extract in case of applying for new account package: If an enterprise client opens an enterprise account package between 1 January 2020

and 30 June 2020, and uses the online service for retrieval of the electronic company registry extract during opening the account, then the fee for the online service for electronic retrieval of the certificate of incorporation

shall not be charged.

OTP Bank Plc Page 1, total: 21

I. 3

I.1 3

I.2 4

I.3 7

I.4 9

I.5 10

II. 11

II.1 11

II.2 12

II.3 13

II.4 13

II.5 13

II.6 14

II.7 14

II.8 14

II.9 16

II.10 16

II.11 17

II.12 17

II.13 18

II.14 19

III. 20

Due date of fees, commissions and costs

Foreign currency cheque

Documentary transactions performance

Customs cash desk service

CONTENTS

Information on the general terms and conditions of the performance of the international HUF and foreign currency, as well as domestic foreign currency payments

REFERENCES

Professional account packages

ACCOUNT PACKAGES CONDITIONS

Comments and conditions relating to the application for an account package

General small enterprise account packages

GENERAL PAYMENT CONDITIONS

Bank account keeping

Executing ad-hoc transfers, book transfers, collection and administrative orders, as well as transfer warrants

Crediting

Cash desk transactions

Standing, debit date specified and group transfers / collections

OTPdirect Electra Terminal service

Condominium account packages

Application of exchange rates related to payments turnover

Account packages not sold

Other services

Late payment of outstanding fees, commission and costs


I.

1.

1.

2.

3.

4.

5.

6.

7.

8.

9. The cash desk deposit commission pertains to the banknote deposits. In case of depositing coins, this commission is in addition to the fee item listed in the “Public Announcement on the fee items for the distribution of banknotes and coins".

In case of recontracting to any bank account/account package, the commission, cost and fee conditions of the new bank account/account package are effective from the day following the recontracting, furthermore OTP Bank Plc. ensures that

the existing payment account number is kept, except the Bázis account package, for which OTP Bank Plc. requires a new current bank account agreement to be concluded, and generates a new current bank account number.

Non-profit and other organisations and foundations may use any general enterprise account package included in the public announcement.

If the monthly fee includes preferential OTP ATM cash withdrawals, the preference may be assigned to any debit card belonging to the account package.

In case of fees and commissions not shown in chapter "Account packages conditions", the conditions detailed in chapter II (General payment conditions) apply to all account packages.

If the monthly fee of any account package includes preferential and/or free of charge transfers, cash withdrawals, the turnover special fee set out in point II.1.1.d. of this public announcement is also charged on these transactions.

ACCOUNT PACKAGES CONDITIONS (14)

The fee for services marked with X in sections "Account package contents" are included in the monthly fee for the account package.

If the monthly fee of any account package includes the annual fee for a debit card of certain type, it applies in all cases to the card first ordered for the account package.

COMMENTS AND CONDITIONS RELATING TO THE APPLICATION FOR AN ACCOUNT PACKAGE

With respect to the preferences provided for the account packages, transactions completed as from 0:00 on the first day of the month to 24:00 on the last day of the month are considered, according to calendar month.


2.

Domestic HUF and intra-bank foreign currency ad hoc transfers

SEPA transfers

OTHER CONDITION

0.16%, min. 314 HUF, max. 115,511 HUFInter-bank, through OTPdirekt services (22), (23)

0.05%, min. 220 HUF

2,672 HUF/month

0.16%, min. 252 HUF, max. 115,511 HUF

0.50% + 607 HUF

The preferential conditions apply to the Start

account package opened newly and as first by the

client, up to 2 year account keeping history, provided

that the enterprise history of the client does not

exceed one year on the date when the account is

opened. In other cases (e.g. when recontracting to

Start account package irrespective of the enterprise

history of the client), the non-preferential period

conditions apply.

261 HUF/month

Cash withdrawal over the counter in HUF

Statement sent with transaction frequency, in a paper based

format

With authenticated electronic bank account statement (2)

0.26%, min. 508 HUF, max. 115,511 HUF

0.38%, min. 385 HUF

155 HUF/month

0.16%, min. 314 HUF, max. 115,511 HUF

565 HUF/month

763 HUF/month

0 Ft0.18%, min. 189 HUF, max. 115,511 HUF

x

Inter-bank, initiated in a branch (23) 0.55%, min. 663 HUF, max. 115,511 HUF

OTPdirekt monthly fee

Statement sent with monthly frequency, in a paper based

format (1)

x

x

3,577 HUF/month

0.14%, min. 189 HUF,

max. 115,511 HUF

0.16%, min. 252 HUF, max. 115,511 HUF

x

First 2 items in month, inter-bank, initiated through

OTPdirekt services 0 HUF (23)

FEES AND COMMISSIONS

0.18%, min. 189 HUF, max. 115,511 HUF

0.14%, min. 37 HUF, max 115,511 HUF

0.14%, min. 37 HUF, max 115,511 HUF

0 HUF/month

431 HUF/month

431 HUF/month108 HUF/month

0.50% + 607 HUF

Intra-bank, through OTPdirekt services (22)

Intra-bank, initiated in a branch

0.16%, min. 252 HUF, max. 115,511 HUF

0.38%, min. 385 HUF

In case of recontracting to Bázis account package,

OTP Bank Plc. does not ensure keeping the existing

current account number.

Cash deposit over the counter in HUF

3,093 HUF/month

2,746 HUF/month

For enterprises

x

Small enterprise STANDARD account package

Small enterprise START account package

0.05%, min. 220 HUF

318 HUF/month

0.55%, min. 663 HUF, max. 115,511 HUF

3,444 HUF/month

In preferential period

GENERAL ENTERPRISE ACCOUNT PACKAGES

For non-profit

organisations

1 pc HUF current account

MC Unembossed debit card annual fee

ACCOUNT PACKAGES CONTENTS

DESIGNATION

Preferential OTP ATM cash withdrawal

Account keeping monthly fee

3,190 HUF/month

In non-preferential period

With respect to the first annual card fee.

Preferential HUF ad hoc transfer to domestic destination

Small enterprise BÁZIS account package

x

First in month 0 HUFFirst in month 0 HUF

Via OTPdirekt services 0.55%, min. 663 HUF, max. 115,511 HUF 0.16%, min. 252 HUF, max. 115,511 HUF

Initiated in a branch 0.55%, min. 663 HUF, max. 115,511 HUF 0.26%, min. 508 HUF, max. 115,511 HUF 0.16%, min. 252 HUF, max. 115,511 HUF



SEPA transfers

0.38%, min. 385 HUF

Small enterprise E-account package


Inter-bank, initiated in a branch (23)

Initiated in a branch

Small enterprise GOLD account package

Small enterprise KOMFORT account

package

x

x

0.085%, min. 37 HUF, max 115,511 HUF

Preferential payment conditions


Min. 100 million HUF

x

Cash withdrawal over the counter in HUF 0.38%, min. 385 HUF 0.38%, min. 385 HUF

x

3,190 HUF/month

x

37 Ft 0 Ft

5,418 HUF/month 17,893 HUF/month


Statement sent with transaction frequency, in a paper based format 4,596 HUF/month



0.26%, min. 123 HUF, max. 115,511 HUF

DESIGNATION




x

0.16%, min. 252 HUF, max. 115,511 HUF

0 Ft

with committing to annual debit account turnover

Min. 250 million HUF

x

x


1 pc HUF current account

x

Preferential securities account keeping



Preferential private banking account keeping

0.26%, min. 252 HUF, max. 115,511 HUF

0.05%, min. 220 HUF

4,255 HUF/month

0.05%, min. 220 HUF

Preferential progressive tiered demand interest

The Private Banking service package is preferentially

provided by the Bank to one private person designated by

the enterprise.(17)

The Private Banking securities account keeping conditions

apply to the securities account of the enterprise.

The preferential demand interest rate applies on the current

account of the account package, according to the effective

“Public Announcement on the deposit interest rates

applicable to the HUF accounts of enterprise and public

service clients".


format (1)

The account package and the related premium payment

preferences are available subject to committing to a slight

annual debit account turnover. If the committed debit

account turnover is not met, the client shall pay a special

fee which is 0.1% of the amount not met.(3)

The preferential demand interest rate applies on the

current account of the account package, according to the

effective “Public Announcement on the deposit interest

rates applicable to the HUF accounts of enterprise and

public service clients".

0.09%, min. 123 HUF,

max. 115,511 HUF

16,542 HUF/month

Via OTPdirekt services 0.11%, min. 123 HUF, max. 115,511 HUF 0.11%, min. 123 HUF, max. 115,511 HUF0.09%, min. 123 HUF,

max. 115,511 HUF

0.07%, min. 123 HUF,

max. 115,511 HUF

0.05%, min. 37 HUF,

max. 115,511 HUF

0.26%, min. 123 HUF, max. 115,511 HUF

0.11%, min. 123 HUF, max. 115,511 HUF

4,298 HUF/month

x

x

x

x

First 10 items in month, intra-bank or inter-bank,

initiated through OTPdirekt services 0 HUF



x x

OTHER CONDITION

0.07%, min. 123 HUF,

max. 115,511 HUF

0.05%, min. 220 HUF

0.16%, min. 37 HUF, max 115,511 HUF 0.16%, min. 37 HUF, max 115,511 HUF

0.26%, min. 252 HUF, max. 115,511 HUF

Inter-bank, through OTPdirekt services (22), (23)

0.16%, min. 252 HUF, max. 115,511 HUF

x

0.11%, min. 123 HUF, max. 115,511 HUF


Account keeping monthly fee (4)

SEPA transfers

Preferential OTP ATM cash withdrawal (for HUF account)

x

First in month 0 HUF (with subsequent crediting)



Preferential HUF ad hoc transfer to domestic destination (for HUF account)

7,154 HUF/month


OTHER CONDITION

Via OTPdirekt services

Inter-bank foreign currency and international HUF ad hoc transfers (to the debit of the HUF and foreign currency account of the account package) initiated through OTPdirekt services or in a branch

x

DESIGNATIONSmall enterprise STANDARD DEVIZAPLUSZ account

package


1 pc HUF current account x

x x

xMC Unembossed debit card annual fee (for HUF account)

Foreign currency and international HUF ad hoc transfer / credit preferences

Preferential standard transfer to OTP foreign subsidiary bank


Small enterprise E-DEVIZAPLUSZ account package

x

First in month 0 HUF (with subsequent crediting)

1 pc foreign currency payment account (EUR, USD, CHF or GBP)

xx

First in month 0 HUF

Domestic HUF and intra-bank foreign currency ad hoc transfers to the debit of HUF account

0.38%, min. 385 HUF

7,032 HUF/month

0.16%, min. 252 HUF, max. 115,511 HUF

free of charge


0.26%, min. 123 HUF, max. 115,511 HUF

0.11%, min. 37 HUF, max 115,511 HUF

Recontracting to this account package is possible only if the original account did not have associated further bank accounts managed within one agreement, kept in other currencies. Under the DevizaPlusz account package, managing accounts in

multiple currencies is not feasible within one account agreement. The fee for the small enterprise DevizaPlusz account package, as specified in the Public Announcement, is charged separately on the HUF and foreign currency current account, unless

requested otherwise.

If the enterprise foreign currency payment bank account of the account package is terminated for whatever reason, it results in the automatic termination of the account package, and the remaining HUF current bank account continues to operate as

Small Enterprise Standard account package (in case of termination of a Standard DevizaPlusz account package), or Small Enterprise E-account package (in case of termination of an e-DevizaPlusz account package) in respect of its costs, related

services and payment preferences. If the HUF current bank account of the account package is terminated for whatever reason, it results in the automatic termination of the account package. The remaining foreign currency current bank account

continues to operate as standard foreign currency current account with respect to its costs, related services and the payment transaction fees and commissions.

The fee for the first in month transfer to an OTP foreign subsidiary bank will be subsequently credited by the Bank in the month following the subject month to the bank account from which the transfer was initiated, in the currency of the bank account.

From transfers occurring at the same time, the Bank selects on a random basis the item for which the fee shall be subsequently credited.

8,564 HUF/month

0.26%, min. 123 HUF, max. 115,511 HUF


0.05%, min. 220 HUF


First 10 items in month, intra-bank or inter-bank, initiated through

OTPdirekt services 0 HUF

Statement sent with transaction frequency, in a paper based format

International HUF and foreign currency transfers, inter-bank foreign currency transfers

0.05%, min. 220 HUF

free of charge

0.10%, min. 3,410 HUF, max. 40,000 HUF

Intra-bank HUF and foreign currency transfers to the debit of foreign currency

account

0.11%, min. 123 HUF, max. 115,511 HUF

Statement sent with monthly frequency, in a paper based format (1)




0.10%, min. 3,410 HUF , max. 40,000 HUF

0.085%, min. 37 HUF, max 115,511 HUF

Crediting of SEPA and EUR transfers within EEA

0.16%, min. 252 HUF, max. 115,511 HUF

0.38%, min. 385 HUF

0.14%, min. 37 HUF, max 115,511 HUF


0.16%, min. 252 HUF, max. 115,511 HUF 0.11%, min. 123 HUF, max. 115,511 HUF

0.16%, min. 252 HUF, max. 115,511 HUF

0.11%, min. 37 HUF, max 115,511 HUF

Commission for crediting of foreign currency transfer from foreign or other Hungarian

banks above 100 EUR (or its equivalent in another currency), in case of HUF and foreign currency

account

0.03%, min. 2.5 EUR, max. 30 EUR 0.03%, min. 2.5 EUR, max. 30 EUR

5,602 HUF/month

5,449 HUF/month

6,590 HUF/month


3.



SEPA transfers

Preferential payment conditions

x

x

1 pc HUF current account x

x

Preferential progressive tiered demand interest



x

DESIGNATION Small enterprise JOG-ÁSZ account packageATTORNEY CUSTODY DEPOSIT account with

debit card

x

x

x

Small enterprise PATIKA account package

PROFESSIONAL ACCOUNT OFFERINGS

x (segregated account)

With respect to the first annual card fee.



0.09%, min. 123 HUF, max. 115,511 HUF 0.09%, min. 123 HUF, max. 115,511 HUF 0.09%, min. 123 HUF, max. 16,375 HUF


x

x


552 HUF/month

2,168 HUF/month

0.05%, min. 37 HUF, max 115,511 HUF

0.05%, min. 37 HUF, max 115,511 HUF

0.05%, min. 37 HUF, max 115,511 HUF

0.09%, min. 123 HUF, max. 16,375 HUF


0.09%, min. 123 HUF, max. 115,511 HUF

0.05%, min. 220 HUF 0.05%, min. 220 HUF


0.05%, min. 37 HUF, max 16,375 HUF

0.09%, min. 123 HUF, max. 115,511 HUF


2,214 HUF/month


format (1)


1,094 HUF/month

0.09%, min. 123 HUF, max. 115,511 HUF0.09%, min. 123 HUF, max. 115,511 HUF


Inter-bank, through OTPdirekt services (22), (23) 0.09%, min. 123 HUF, max. 16,375 HUF

0 HUF/month

0.38%, min. 385 HUF

0.05%, min. 37 HUF, max 16,375 HUF

2,202 HUF/month

0.38%, min. 385 HUF

82 HUF/month

3,875 HUF/month

1,083 HUF/month


0.05%, min. 220 HUF

0.38%, min. 385 HUF

0.05%, min. 37 HUF, max 115,511 HUF



The account package may be used by enterprises

operating pharmacies, or pharmaceutical retail

businesses (primary TEÁOR/NACE code is 4646 or

4773 based on the year 2008 classification).

The preferential demand interest rate applies on the

current account of the account package, according

to the effective “Public Announcement on the

deposit interest rates applicable to the HUF

accounts of enterprise and public service clients".

The account package may be used by businesses

conducting legal activity (attorneys, lawyers, public

notaries etc.) (primary TEÁOR/NACE code is 6910

based on the year 2008 classification).

The attorney custody deposit account may only be used

by attorneys. The above conditions only apply if the

client has also ordered a debit card for the attorney

custody deposit account. In other cases In other cases

the conditions of caution and custody deposit accounts

as shown in point II. 1.2.h of this Public Announcement

apply. The custody deposit account is only available

along with the current account kept with OTP Bank. The

custody deposit account does not qualify as an account

package.

OTHER CONDITION




SEPA transfers





x

DESIGNATION Small enterprise TERRA account packageNON-PROFIT account package

x

1 pc segregated bank account

With fulfilling savings

requirement


Small enterprise ACCOUNTANT account

package

0 Ft

First items in month, inter-bank, initiated through OTPdirekt

services 0 HUF (23)

x

x


0.13%, min. 66 HUF, max 110,806 HUF

0.13%, min. 66 HUF, max 110,806 HUF



format (1)

513 HUF/month

The account package may only be used by non-profit

organisations and foundations (except condominiums

and housing cooperatives).

Savings requirement: the day end balance of cash

assets placed on all HUF bank accounts owned by the

client and kept at OTP Bank (demand balance, related

term deposit, savings account and securities account

balance in total) does not fall below 1.5 million HUF in

the previous one month (from day 16 of the previous

month to day 15 of this month).



0.50%, min. 385 HUF


476 HUF/month3,158 HUF/month

0 Ft

0.38%, min. 34 HUF, max 115,511 HUF

x1 pc HUF current account

265 HUF/month

0.15%, min. 227 HUF, max. 110,806 HUF

0.38%, min. 385 HUF

0.05%, min. 220 HUF

x


not available






0.16%, min. 314 HUF, max. 115,511 HUF

0.38%, min. 385 HUF

0.05%, min. 220 HUF

0.22%, min. 227 HUF, max. 115,511 HUF

OTHER CONDITION

0.15%, min. 227 HUF, max. 110,806 HUF

x

The account package may only be used by clients

conducting agricultural, forestry and fishing

activity (primary TEÁOR/NACE code begins with

01, 02 or 03 based on the year 2008 classification).

The fees and commissions applicable to the

segregated account included in the account package

are identical with the fees and commissions for the

current account (except the monthly fee included in

the package).


1,154 HUF/month

not available


0.16%, min. 252 HUF, max. 115,511 HUFIntra-bank, initiated in a branch

2,777 HUF/month 394 HUF/month

0.05%, min. 220 HUF

The account package may only be used by

businesses conducting accounting, audit and tax

advisory activity (primary TEÁOR/NACE code is

6920 based on the year 2008 classification), along

with selecting authenticated electronic bank account

statement.

0.38%, min. 227 HUF, max. 115,511 HUF

x

1,339 HUF/month

Without fulfilling savings

requirement


0.26%, min. 508 HUF, max. 115,511 HUF


4.



SEPA transfers

Permanent and value date intra-bank and domestic transfers

Fee charged to the paying party in case of group collection

Via OTPdirekt services 0.45%, min. 401 HUF, max. 115,511 HUF 0.11%, min. 189 HUF, max. 115,511 HUF

Initiated in a branch 0.55%, min. 490 HUF, max. 115,511 HUF 0.18%, min. 309 HUF, max. 115,511 HUF

CONDOMINIUM ACCOUNT PACKAGES

x x

x x

Preferential payment conditions x

Intra-bank

2,923 HUF/month

0.11%, min. 178 HUF, max 108,670 HUF

0.50%, min. 497 HUF 0.38%, min. 385 HUF

Cash deposit over the counter in HUF 0.05%, min. 220 HUF

0.18%, min. 309 HUF, max. 115,511 HUF

DESIGNATION

0.11%, min. 189 HUF, max. 115,511 HUF


0.16%, min. 304 HUF, max. 115,511 HUF 0.11%, min. 72 HUF, max 115,511 HUF

Inter-bank (23)

Inter-bank group collection

1,828 HUF/month


Intra-bank group collection

510 HUF/month 1,594 HUF/month

Statement sent with transaction frequency, in a paper based format 819 HUF/month




0.45%, min. 401 HUF, max. 115,511 HUF 0.11%, min. 189 HUF, max. 115,511 HUF

0.55%, min. 490 HUF, max. 115,511 HUF


0.45%, min. 377 HUF, max 108,670 HUF

1 pc HUF current (operations) account

0.45%, min. 401 HUF, max. 115,511 HUF




0.05%, min. 220 HUF

OTHER CONDITION


Statement sent with monthly frequency, in a paper based format (1) 534 HUF/month


TÁRSASHÁZI MINI account package TÁRSASHÁZI MAXI account package



5.



SEPA transfers


0.11%, min. 189 HUF, max. 115,511 HUF

1 pc HUF current (operations) account

0.38%, min. 385 HUF0.50%, min. 497 HUFCash withdrawal over the counter in HUF

ACCOUNT PACKAGES NOT SOLD

DESIGNATION TAKAROS account package ALAP account package MOZAIK account package

Inter-bank, initiated in a branch (23) 0.45%, min. 401 HUF, max. 115,511 HUF 0.11%, min. 189 HUF, max. 115,511 HUF


647 HUF/month 1,833 HUF/month 2,199 HUF/month

Statement sent with transaction frequency, in a paper based format 819 HUF/month 2,923 HUF/month 3,333 HUF/month




0.11%, min. 189 HUF, max. 115,511 HUF 0.11%, min. 189 HUF, max. 115,511 HUFInitiated in a branch 0.45%, min. 401 HUF, max. 115,511 HUF


format (1) 542 HUF/month

Preferential payment conditions x

x


0.38%, min. 385 HUF

0.06%, min. 37 HUF, max 115,511 HUF

0.12%, min. 227 HUF, max. 115,511 HUF

Inter-bank, through OTPdirekt services (22), (23) 0.45%, min. 401 HUF, max. 115,511 HUF 0.11%, min. 189 HUF, max. 115,511 HUF

0.05%, min. 220 HUF 0.05%, min. 220 HUF 0.05%, min. 220 HUF


OTHER CONDITION

OTP Bank Plc. will not conclude new agreements for

this account package from 19 March 2018.





Fees related to the Electra Terminal, when the account

package is selected:

- installation fee: 0 HUF

- software licence fee: 0 HUF

- modem rental: 0 HUF.




x x

x

Free of charge OTPdirekt Electra Terminal service x

0.11%, min. 189 HUF, max. 115,511 HUF



II.

1.

1.1

a.

b.

c.

d.

1.2

a.

b.

c.

d.

e.

f.

g.

h.

i.

j.

1.3

a.

b.

c.

d.

e.

3,217 HUF/month

Turnover special fee (13)

GENERAL PAYMENT CONDITIONS (14)

BANK ACCOUNT KEEPING

FEES RELATED TO ACCOUNT OPENING, ACCOUNT CLOSING, ACCOUNT KEEPING AND CHANGE OF SCHEME

HUF ACCOUNTS ACCOUNT KEEPING MONTHLY FEE

Account type

Current bank accounts for enterprises

Current bank accounts for non-profit organisations

OTP e-Forint current bank account (5)

963 HUF/month

Statement sent with monthly

frequency, in a paper based format (1)

With authenticated electronic bank

account statement (2)

Account closing fee (12)

963 HUF/month

963 HUF/month

1,149 HUF/month

2,746 HUF/month

3,322 HUF/month

With authenticated electronic bank

account statement (2)

3,135 HUF/month

3,800 HUF/month

Duty amount shown on the bank account statement, calculated for the respective account on the transactions subject to the

applicable act on financial transaction duty, using the duty rates set out in this act.

Free of charge

5,000 HUF / recontracting (0 HUF until 31 December 2020)

3,555 HUF/month

Condominiums, housing cooperatives operations account

Statement sent with transaction

frequency, in a paper based format

Statement sent with monthly

frequency, in a paper based format (1)

Savings accounts

3,437 HUF/month

2,642 HUF/month

974 HUF/month

10,000 HUF / account closing (0 HUF until 31 December 2020)

0 HUF/month

0 HUF/month

2,856 HUF/month

0 HUF/month

2,358 HUF/month

Account type

Enterprise foreign currency current bank accounts

974 HUF/month

2,777 HUF/month

0 HUF/month

Accounts not under the client's free disposal due to security deposit, custody, attorney custody,

cover security and other reasons974 HUF/month 963 HUF/month 1,117 HUF/month

Statement sent with transaction

frequency, in a paper based format

EUR, USD, CHF, GBP, CAD, SEK, JPY, BGNCurrencies in which foreign currency accounts are kept(21)

3,146 HUF/month

Bank technical accounts

Savings accounts (EUR, USD) 0 HUF/month

2,414 HUF/monthNon-profit organisations foreign currency current bank accounts

2,199 HUF/month

Account opening

974 HUF/month

Current bank accounts for foundations, donations

Other accounts

2,692 HUF/month

1,117 HUF/month

1,138 HUF/month

963 HUF/monthCondominiums, housing cooperatives renovation accounts (available only along with operations

account or condominium account package)

Accounts not under the client's free disposal due to security deposit, custody, cover security

and other reasons963 HUF/month

3,333 HUF/month

1,183 HUF/month

Current bank account, changing account package

974 HUF/month 1,183 HUF/month

0 HUF/month 0 HUF/month

2,247 HUF/month

974 HUF/month

3,910 HUF/month

Other foreign currency accounts

0 HUF/month

FOREIGN CURRENCY ACCOUNTS ACCOUNT KEEPING MONTHLY FEE (6)

0 HUF/month


2.

2.1

a.

a.a.

a.b.

b.

b.a.

b.b.

b.c.

b.d.

2.2

a.

a.a.

a.b.

b.

b.a.

b.b.

b.c.

c.

d.

e.

e.a.

e.b.

e.c.

f.

2.3

a.

b.

c.

d.

e.

f.

g.

h.

i.

j.

0.11%, min. 123 HUF, max. 115,511 HUF

Transfers within the OTP Bank Group

Post office disbursement voucher (in addition to postage under the prevailing standard tariffs)

free of charge

Intra-bank HUF ad-hoc transfer to provide card coverage (possible only by using OTPdirekt call center and internet banking service)(16)

Intra-bank transfers, initiated in a branch (0.085%, min. 37 HUF, max. 115,511 HUF ) + 0.075% special fee


SEPA transfers

Inter-bank domestic HUF transfers, initiated in a branch (23)

To the debit of OTP e-Forint current bank account, through OTPdirekt services

To the debit of OTP e-Forint current bank account, initiated in a branch

3,000 HUF

0.15%, min. 3,410 HUF, max. 80,000 HUF

0.10%, min. 1,500 HUF, max. 30,000 HUF

The fee for inter-bank transfer initiated in a branch, without minimum fee, with

respect to the bank account affected with the disbursement

To the debit of HUF and foreign currency account, initiated through OTPdirekt services or in a branch

2,000 HUF

0.50%, min. 10,000 HUF, max. 100,000 HUF

Urgent transfers

In case of OTP e-Forint current bank account (5)

To the debit of HUF and foreign currency account

INTERNATIONAL HUF AND FOREIGN CURRENCY TRANSFERS, INTER-BANK FOREIGN CURRENCY TRANSFERS WITH DOMESTIC DESTINATION (to the debit of HUF and foreign currency account)

Standard transfers

0.085%, min. 37 HUF, max 115,511 HUF

500 HUF / case (24), (25)

(free of charge until withdrawn but latest by 31 December 2020)

HUF 5,000

Surcharge of orders missing data

0.12%, min. 3,410 HUF, max. 80,000 HUF

Recovery (recall) of amount of transfers incorrectly fulfilled due to account owner’s fault

0.01%/item, max. 50,000 HUF

300 HUF/pc

8,900 HUF / item + postage under the prevailing standard tariffs (free of charge in a

promotion until withdrawn but latest by 31 December 2020)

5,000 HUF (in addition to the fee for standard transfer shown in point 2.2.a.)

Transaction fee for book transfer from foreign currency savings account to own foreign currency account

Registration of secondary account identifier or deletion thereof based on client’s request in a branch

Standard transfers

0.4%, min. 450 HUF

Initiating collection and administrative orders

Inter-bank domestic HUF transfers through OTPdirekt services (22), (23)

0.12%, min. 3,300 HUF, max 80,000 HUF + 5,000 HUF

0.16%, min. 252 HUF, max 115,511 HUF (20)

Inter-bank domestic HUF transfers initiated through OTPdirekt services (22), (23)

or in a branch (23)

DOMESTIC HUF, INTRA-BANK FOREIGN CURRENCY TRANSFERS

Intra-bank transfers through OTPdirekt services (22)

Book transfer between own accounts (11)

intra-bank (except book transfer from savings accounts)

Fee for intra-bank transfer, book transfer from HUF savings accounts of enterprises and non-profit organisations

Transaction fee for intra-bank transfer, book transfer from condominium savings account

0.14%, min. 37 HUF, max. 115,511 HUF (20)

0.11%, min. 123 HUF, max. 115,511 HUF

Euro expressz transfers (to the debit of EUR account, in EUR currency, through OTPdirekt services, urgent transfer initiated by 12:00

noon, with current day fulfillment)

Commission applicable to the condominium account package or operations account of the

client

0.16%, min. 252 HUF, max. 115,511 HUF


OTP expressz transfers

Normal transfers – executable in SEPA 0.16%, min. 252 HUF, max. 3,000 HUF

(0.11%, min. 123 HUF, max. 115,511 HUF ) + 0.15% special fee

Initiation of domestic VIBER (Real Time Gross Settlement System) items in HUF to domestic destinations (from HUF or foreign currency account)

0.26%, min. 123 HUF, max. 115,511 HUF

EXECUTING AD-HOC TRANSFERS, BOOK TRANSFERS, COLLECTION AND ADMINISTRATIVE ORDERS, AS WELL AS TRANSFER WARRANTS

Intra-bank transfers via OTPdirekt services(22)

or initiated in a branch

OTHER


3.

a.

b.

c.

d.

d.a.

d.b.

e.

f.

f.a

f.b

g.

g.a

g.b

4.

4.1

a.

b.

c.

4.2

a.

a.a.

a.b.

b.

b.a.

b.b.

c

5.

5.1

a.

b.

c.

Bulk deposit (in addition to points a.) and b.))

STANDING, DEBIT DATE SPECIFIED AND GROUP TRANSFERS / COLLECTIONS

In addition to the fees related to ad hoc transfers initiated in a branch (23)

, relating to the bank account or account package, irrespective of the method of order.

free of charge

Payment intermediary service fee published by Magyar Posta Zrt. as applicable

subject to case-by-case agreement

In HUF

1.00%, min. 1,105 HUF

110 HUF/pc

CASH DESK TRANSACTIONS

CASH WITHDRAWALS OVER THE COUNTER

In HUF (from HUF account, from foreign currency account)

0.05%, min. 220 HUF

Bulk withdrawal (in addition to the fee specified in points a. and b., as well as for the respective account package)

CASH DEPOSITS OVER THE COUNTER

In foreign currency

STANDING AND DEBIT DATE SPECIFIED AD HOC ORDERS

In foreign currency (from HUF account, from foreign currency account)

Banknote

Coin (in addition to the fee item listed in the Public Announcement on the fee items for the distribution of banknotes and coins)

Instant cash deposit through ATM to an account other than the card account underlying the card used to deposit (19)

tax and social security liability in case of paper based format

Post office deposits

0.05%, min. 5 EUR, max. 50 EUR

0.05%, min. 220 HUF

Commission for crediting of foreign currency transfer from foreign or other Hungarian banks

HUF accounts and account packages (except Bázis account package)

free of chargeCrediting of SEPA and EUR transfers within EEA

when increasing term deposit with a fixed amount

in other cases

free of charge

free of charge

Banknote

USD, EUR, GBP, CHF coin of min. denomination 1 (in addition to the fee item listed in the Public Announcement on the fee items

for the distribution of banknotes and coins)

0.75%, min. 1,105 HUF

free of charge

Instant cash deposit through ATM to the card account underlying the card used to deposit (19)

free of charge

0.38%, min. 385 HUF

above 100 EUR (or its equivalent in another currency)

HUF accounts and account packages (except Bázis account package) 0.05%, min. 220 HUF (0.025%, min. 110 HUF until withdrawn but latest by 01.03.2021)

Bázis account package 0.50% + 607 HUF (0.25% + 303 HUF until withdrawn but latest by 01.03.2021)

up to 100 EUR (or its equivalent in another currency)

Crediting of international HUF transfer

CREDITING

free of charge

free of charge

Bázis account package

The amount and due date of the fee the payee account or the account related to the card

used to deposit is subject to is listed in the Public announcement on “Cash deposits

through ATM to an account other than the card account underlying the card used to

deposit”.

Crediting of domestic HUF transfer (including VIBER)


5.2

a.

a.a.

a.b.

b.

b.a.

b.b.

b.c.

b.d.

c.

d.

d.a.

d.b.

e.

f.

6.

a.

a.a.

a.b.

b.

b.a.

b.b.

b.c.

c.

d.

7.

a.

b.

c.

d.

e.

f.

8.

8.1

a.

b.

GROUP PAYMENTS (from HUF account, account package in HUF)**

Modification, cancellation of prompt collection

10 HUF + VAT / transaction

15 Ft

6,000 HUF

0.80%, min. 3.000 HUF

Below 300 million HUF annual account turnover 1,000 HUF + VAT / software / month

0.15%, min. 2,500 HUF, max. 100,000 HUF

700 HUF + VAT / software / month

free of charge

FOREIGN CURRENCY CHEQUE

EXPORT PROMPT COLLECTION

Purchase of cheque

If installed by the Bank

100 Ft

Other service related to group payment methods (forwarding of message/authorization outside the bank)

Issuing certification of group collection orders in a branch

Inter-bank collection, credited item

Over 300 million HUF annual account turnover

Installation

730 HUF + VAT / month

free of charge

Commission charged to the paying party’s bank account in case of group collection order

0.075%, min. 20 HUF

25,000 HUF / package + postage under the prevailing standard tariffs (free of charge

in a promotion until withdrawn but latest by 31 December 2020)

Installation and software use for condominium managers, which represent at least 10 condominiums that keep their current

accounts with OTP

Cheque received for collection

Annual account turnover above 300 million HUF (for clients recontracted from client terminal)

0 HUF for Electra Terminal agreements concluded on or after 19 March 2018.

0.20%, min. 3,000 HUF, max. 100,000 HUF

0.065% + 10 HUF

10 Ft

Intra-bank collection, credited item

For group collection received from outside the Bank, in addition to the fees pertaining to the branch ad hoc inter-bank transfer

pertaining to the account

Inter-bank collection, initiated item

10,000 HUF + VAT

Dispatching documents and/or bill of exchange for collection

500 Ft

0.20%, min. 7,000 HUF

If downloaded by the client from the internet

Software licence fee (8)

Repurchase of undrawn OTP-issued cheque

Cheque issued by OTP Bank

For group collection received from within the Bank, in addition to the fees pertaining to the branch ad hoc intra-bank transfer

pertaining to the account

Intra-bank HUF transfers

Purchase of cheque drawn on OTP

0 Ft

Domestic group collection order (per intra-group items)

Modem rental

3,000 HUFBounced cheque

DOCUMENTARY TRANSACTIONS PERFORMANCE

Intra-bank collection, initiated item

40,000 HUF + VAT

0.15%, min. 20 HUF

OTPDIREKT ELECTRA TERMINAL SERVICE

free of charge

Domestic group transfer (per intra-group items)

Inter-bank HUF transfers (23)

600 Ft

Recovery (recall) of amount of group transfers incorrectly fulfilled due to account owner’s fault


8.2

a.

b.

c.

d.

e.

f.

g.

h.

i.

8.3

a.

b.

c.

8.4

a.

a.a.

a.b.

b.

b.a.

b.b.

c.

d.

e.

f.

8.5

a.

b.

c.

d.

8.6

a.

a.a.

a.b.

b.

c.

in addition to the fee specified in point 8.4.a.a., subject to separate agreement

IMPORT LETTER OF CREDIT (including domestic HUF letters of credit) (9) (10)

Certification of letter of credit (in addition to advising commission)

Drawdown of letter of credit (inspection of documents, crediting)

0.20%, min. 7,000 HUF, max. 100,000 HUF

0.15%, min. 7,000 HUF, max. 150,000 HUF

Opening, raising letter of credit payable at OTP Bank Plc.

6,000 HUF

Arrangement of import prompt collection (documents and/or bill of exchange)

Risk assumption fee

GUARANTEE ISSUED (including domestic foreign currency guarantee and international HUF guarantee)

One-off issuance commission

0.20%, min. 7,000 HUF, max. 100,000 HUF

6,000 HUF

in addition to the fee specified in point 8.4.b.a., subject to separate agreement

Keeping record of deferred payment

Modification of guarantee (except raise)

Management of drawn down guarantee

0.25%, min. 7,000 HUF

6,000 HUF

6,000 HUF/occasion

Drawdown of letter of credit (inspection of documents, payment)

Modification of letter of credit (except raise)

Modification, cancellation

Delivery of documents without payment

Issue, raise of guarantee and advising of bill of exchange

0.10%, min. 7,000 HUF

Second guarantee (with risk assumption)

6,000 HUF

EXPORT LETTER OF CREDIT (including domestic HUF letters of credit) (9)

Arranging certification of letter of credit by foreign bank

6,000 HUF/occasion

0.20%, min. 7,000 HUF

Assignment of letter of credit

Advising of letter of credit or advising of raise without assumption of obligation

cost of certifying bank

0.20%, min. 7,000 HUF

Preliminary inspection of documents submitted for letter of credit

In case of full coverage

Without full coverage

0.20%, min. 7,000 HUF

Subject to case-by-case agreement, depending on risk assumed by the opening

bank

Advising of letter of credit modification (except raise)

Transfer of letter of credit

6,000 HUF

Keeping record of deferred payment

Advising of guarantee issued by another bank, advising of raise, validation of authenticity (without risk assumption)

Advising of guarantee modification, except advising of raise (without risk assumption)

In case of full coverage

0.25%, min. 7,000 HUF

Without full coverage

0.15%, min. 7,000 HUF, max. 150,000 HUF

GUARANTEE RECEIVED (including domestic foreign currency guarantee and international HUF guarantee)

Drawdown of guarantee

Subject to case-by-case agreement, depending on the risk of the opening bank

3,000 HUF/occasion

0.30%, min. 7,500 HUF

Discounting of letter of credit with deferred payment

0.20%, min. 7,000 HUF

IMPORT PROMPT COLLECTION (if the commission is borne by our client)

Opening, raising letter of credit payable at a foreign bank or other Hungarian bank

in addition to the fee specified in point 8.6.a.a., subject to separate agreement

0.25%, min. 8,000 HUF

Subject to case-by-case agreement, depending on the risk of the opening bank


9.

a.

b.

c.

d.

10.

10.1

a.

b.

c.

d.

e.

f.

10.2

a.

b.

c.

10.3

a.

b.

10.4

a.

b.

10.5

a.

b.

10.6

a.

b.

c.

10.7

a.

b.

1,570 HUF/pc

(free of charge until 31 December 2020)

Certification of placing of property collateral 0.104%, min. 1,500 HUF

Other certification (e.g. execution of transfer order, payment of ordinary share capital)

CLIENT CORRESPONDENCE RELATED FEES

Fee for branch retention

Fee for renting deposit box

1,570 HUF / pc

1,161 HUF / Account Owner / month

7,000 HUF

1,161 HUF / Account Owner / month

one-off 0.30%

HUF 5,000

Subject to agreement, but min. 5,200 HUF / client / occasion

Subject to agreement, but min. 5,200 HUF / client / occasion

BILL OF EXCHANGE

Bill of exchange fee in case of protest

Management fee for foreign currency bill of exchange placed in safe-keeping custody deposit

BANK INFORMATION

Upon the written request of the account owner

Account information disclosed for the purpose of auditing

ISSUING AND MODIFYING CERTIFICATIONS

For document size up to 20 kB

For document size in excess of 20 kB

1,490 HUF/download

1,490 HUF up to 20 kB, 35 HUF/kB above 20 kB

ONLINE SERVICE FOR RETRIEVAL OF ELECTRONIC COMPANY REGISTRY EXTRACT

Certificate of coverage 0.104%, min. 1,500 HUF

2,900 HUF/account/month

(free of charge until 31 December 2020)

500 Ft

Queuing in branch, other than compulsory queuing, based on agreement

HUF 5,000

1,570 HUF/pc

Commission on Internet service

Issuing of ad hoc certification upon the request of the client, evidencing the payment of customs debt and customs security to the debit

of the bank account

In case of queuing other than order of arrival

Queuing of one-off transfers recorded via Electra Terminal, within a day (based on separate agreement concluded as from 1 July 2012)

MANAGEMENT OF CONTINGENT HUF ORDERS ON HUF ACCOUNT

0.41%, min. 520 HUF/item

1,000 HUF / pc

OTHER SERVICES

3,000 HUF

3,000 HUF

Modification, cancellation of orders

0.20%, min. 7,000 HUF

Consultancy fee (letter of credit, drafting guarantee wording at the client’s request)

Obtaining bank information on client

For cash deposit (in addition to the commission on the service) in the amount according to point 4.2

Commission on services

CUSTOMS CASH DESK SERVICE

2.2, 3.b, 3.c, 7. AND 8. POINTS RELATED SERVICES

Release of consignment dispatched to OTP’s address/order

Separate banker’s correspondence, urging payments, modifying and deleting international transfers, correction of inaccurate orders

Fee for forwarding photocopy of voucher (e.g. SWIFT photocopy)

0.46%, min. 600 HUF/item


10.8

a.

b.

c.

10.9

10.10

10.11

10.12

a.

b.

c.

d.

10.13

11.

11.1

a.

b.

11.2

a.

b.

b.a.

b.b.

12.

a.

b.

c.

d.

Subject to agreement, but min. 315 HUF / statement

In case of foreign address

Employer product package services

9.00% p.a.

Debt management fee

Correspondence fee

FEES ARISING FROM CONDUCT NOT IN COMPLIANCE WITH THE AGREEMENT (for bank accounts and overdraft facilities)

DUE DATE OF FEES, COMMISSIONS AND COSTS

In case of domestic address

free of charge

Subject to agreement, but min. 420 HUF / pc

Employer product package Gold offering

Employer product package Platinum offering

LATE PAYMENT OF OUTSTANDING FEES, COMMISSION AND COSTS

3 million HUF / year (promotion: free of charge until withdrawn)

600 HUF / month

1,000 HUF / mail

According to the prevailing tariffs of TakarNet

The following commissions, costs and fees are due to be paid monthly, on the last working day of the month (in the account keeping currency) in accordance with the conditions effective on the date of settlement: account

keeping monthly fee, turnover special fee, intra-bank HUF and foreign currency transfers, inter-bank domestic HUF ad hoc transfers, standing orders and ad hoc orders given with designated debit date, for group collection

orders the commission charged to the bank account of the paying party, cash deposit over the counter in HUF, cash withdrawal over the counter in HUF, Electra software licence fee and modem rental fee, client

correspondence related fees. Charging occurs based on the number of transactions existing on the working day preceding the last working day of the month at the time of closing the account keeping system. Charging of

the account keeping monthly fee occurs based on the account scheme existing on the working day preceding the last working day of the month at the time of closing the account keeping system, to the respective account

or, if agreed, to another (charging) HUF bank account of the client.

The following commissions, costs and fees are due to be paid quarterly, on the last working day of the quarter (in the account keeping currency) in accordance with the conditions effective on the date of settlement: group

payment related fees (except 5.2.e). Charging of the quarterly transaction costs occurs based on the number of transactions existing on the working day preceding the last working day of the quarter at the time of closing

the account keeping system, to the respective account or, if agreed, to another (charging) HUF bank account of the client.

Other fees, commissions, costs (not covered in sections a, b, c and d) are due to be paid (in the account keeping currency) when incurred, in accordance with the conditions effective on the date of settlement. Charging of

OTPdirekt services fees occurs in accordance with the provisions of the public announcement entitled "Conditions list of OTPdirekt services for commercial banking clients", charging of debit card fees occurs in

accordance with the provisions of the "Debit Card Terms of Business".

600 HUF / mail

FEE FOR MAKING PHOTOCOPIES

Accounting document, other banking document

Other document related to account keeping

Issue of account statement copy upon specific request

SCHEDULED BLOCKING ON FOREIGN CURRENCY ACCOUNT

SPECIAL ENTERPRISE SERVICES

In respect of HUF account

In respect of foreign currency account

LATE PAYMENT INTEREST RATE FOR THE PERIOD OF DEFAULT

Interest rate of HUF overdraft facility prevailing at all times + 6.00%

FEE FOR COPY OF TITLE DEED (in case of using TAKARNET) (18)

2,500 HUF

POSTAGE ACTUALLY INCURRED

Employer product package Diamond offering

3 million HUF / year

500 FtMAILING OF FOREIGN EXCHANGE RATES LIST

3 million HUF / year (promotion: free of charge until withdrawn)

Mail post basic fee published by Magyar Posta Zrt. as applicable

Subject to agreement, but min. 420 HUF / pc

Fees for post office deposits are charged monthly, posteriorly, in one amount after the tenth working day of the month, based on the post office deposits made to the respective account in the previous month.


13.

13.1

a.

a.a.

a.b.

b.

b.a.

b.b.

c.

c.a.

c.b

13.2

a.

a.a.

a.b.

b.

b.a.

b.b.

c.

c.a.

c.b

13.3

a.

b.

13.4

a.

a.a.

a.b.

b.

b.a.

b.b.foreign currency purchasing rate / cheque

selling rate

Crediting -

-

-foreign currency purchasing rate

TRANSFERS, DOCUMENTARY TRANSACTIONS, GUARANTEES IN FOREIGN CURRENCY

Foreign currency deposits and withdrawals over the counter

-

-

-

foreign currency purchasing rate / foreign

currency selling rate

-

foreign currency selling rate

CASH DESK TRANSACTIONS

FOREIGN CURRENCY ACCOUNT WITH

CONVERSION

Intra-bank transactions

Crediting

TURNOVER DUE TO FOREIGN CURRENCY CHEQUES

-

-




foreign trade foreign currency selling rate

Crediting

Debiting

-



cheque purchasing rate / foreign currency

selling rate

-

-

foreign trade foreign currency purchasing rate

International inter-bank transactions

foreign currency purchasing rate

Intra-bank transactions

Domestic inter-bank transactions

International inter-bank transactions

-

Crediting

foreign currency purchasing rate / cheque

selling rate

FOREIGN CURRENCY ACCOUNTHUF ACCOUNT

-

Crediting

-

Debiting

-

cheque purchasing rate

cheque selling rate

Debiting cheque purchasing rate


-

Debiting

Crediting

Debiting

Crediting

Debiting

Crediting

Debiting

Domestic inter-bank transactions

cheque purchasing rate / foreign currency

selling rate

HUF cash deposits and withdrawals over the counter




foreign trade foreign currency purchasing rate



-



-

-



foreign trade foreign currency selling rate



Crediting

Debiting

-

-

APPLICATION OF EXCHANGE RATES RELATED TO PAYMENTS TURNOVER

-

Debiting

-

-

TRANSFERS IN HUF

-



14.

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

Bulgaria Expressbank AD, Varna

Albania OTP Bank Albania, Tirana

Priority orders are posted for execution by OTP Bank Plc. with a value date being the first day following the current day.

Upon acceptance of foreign currency transfer orders, blocking of funds occurs at the foreign currency selling rate listed by OTP Bank Plc. and effective on the date of acceptance, along with the exchange rate risk

Debiting on the client account occurs on the execution date, at the foreign trade foreign currency selling rate listed by OTP Bank Plc., effective on this date. OTP Bank Plc. quotes foreign trade exchange rates twice per

day: first at 12:00 noon, second at 14:00. Application of the respective exchange rates to the initiated and received international transfers depends on the time when the item is received, according to the provisions of the

Terms of Business on Payment Services.

The exchange rate listed first on the processing day is applied to settlements related to documentary payments and transfers which require subsequent consultation.

Letters of credits and prompt collections are undertaken by the bank based on The Uniform Customs and Practice for Documentary Credits, as well as The Uniform Rules for Collections issued by the International

Chamber of Commerce respectively, as applicable at all times, even if they are not stipulated by the party giving the order.

OTP Bank Plc. shall only accept and execute orders which are compliant with its business policy.

Russia

Montenegro

Romania

Croatia

Ukraine

OTP Banka Slovensko A.S., Bratislava

DSK Bank EAD, Sofia

OTP Bank Romania S.A.., Bucharest

OTP Banka Hvratska D.D., Zadar

Euró Expressz orders are posted by OTP Bank Plc. for execution on the current day.

In addition to the own commissions published, the foreign bank commissions as well as extra costs (courier service, DHL, TNT, etc.) are recharged to the clients.

Imprecise and/or incomplete orders are kept on hold by the bank at the liability of the party giving the order until the details required for execution are duly provided.

Orders – either paper-based or initiated through the OTPdirekt services – which are submitted by 14:00 on a certain day are considered by OTP Bank Plc. to be arrived on that certain day. Orders submitted after this point

of time are considered to be submitted on the next banking day.

The commissions are charged in the currency of the account keeping, based on the foreign currency amount of the order, simultaneously with performing the service, based on the effective foreign trade foreign currency

exchange rate quoted by OTP Bank Plc.

Serbia

The Bank applies an individual exchange rate over 50,000 EUR. The individual exchange rate is applied by the Bank only to transactions initiated in the bank branch. For international payments exceeding the

value limit of 50,000 EUR and charged against a HUF account, the Bank shall apply individual foreign trade exchange rate.

Vojvodjanska Banka A.D., Novi Sad

Clients shall be required to give notice of priority transfers in excess of 1 million in either USD, EUR, CHF or GBP currency on the day preceding the initiation of the transfer. The International Banking Operations General

Department shall be informed of the notice.

Express transfer to OTP Bank group members means that the beneficiary client account shall be credited within the same day.

The current member banks of the OTP Bank Group are as follows:

Slovakia

An order is considered as "missing data" if the destination of the payment transaction is a country where client accounts are identified with IBAN (International Bank Account Number) and/or banks are identified with BIC

(SWIFT identifier), and the order fails to indicate these, and also if generally the data necessary for executing the payment (account, bank or other identifiers, or any supplementary information required by the recipient

country) are not included or partially included in the order. For executing any order failing to include at least one of the referred identifiers or information, OTP Bank Plc. may charge a surcharge as indicated in the

applicable public announcement.

In respect of the member states of the European Economic Area (EEA), as well as for the execution of payment transactions to be performed in SEPA, it is required to indicate the international bank account number (IBAN)

of the beneficiary and the BIC (SWIFT identifier) of the bank of the beneficiary. Any order not including the international bank account number of the beneficiary may be rejected by OTP Bank.

Joint Stock Company OTP Bank, Moscow

Crnogorska Komercijalna Banka AD, Podgorica

JSC OTP Bank, Kiev

INFORMATION ON THE GENERAL TERMS AND CONDITIONS OF THE PERFORMANCE OF THE INTERNATIONAL HUF AND FOREIGN CURRENCY, AS WELL AS DOMESTIC FOREIGN CURRENCY PAYMENTS

Bulgaria

SEPA transfers: may be initiated only in EUR currency, in respect of SEPA member states (https://www.europeanpaymentscouncil.eu/document-library/other/epc-list-sepa-scheme-countries) , if the bank of the beneficiary

is a member of SEPA. SEPA transfers are credited to the account of the beneficiary latest on the 1st working day for orders submitted via an electronic channel, and on the 2nd working day for orders submitted in a paper-

based format, after submitting the order. (Orders qualify as submitted on a respective day by 14:00.)

Costs of transfers which could not be executed and were returned by foreign banks are to be borne by the ordering party at all times.

In case of SEPA transfers initiated through the OTP Direkt services or transfers within the bank group (point 2.2.e.), during cover verification the commission for standard transfers (point 2.2.a.a.) is blocked in addition to

the amount to be transferred, lacking this the transaction may not be initiated. Actually the fee specified for SEPA transfers or for transfers within the bank group is charged.

The above published commissions apply to routine transactions only. Commissions on special transactions are subject to separate agreements.


III.

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

If authenticated electronic bank account statement is selected, the Account Owner shall receive an authenticated electronic bank account statement, which is provided under the OTPdirekt Electra Terminal service and/or the OTPdirekt

internet service by the Bank, provided that the bank account was previously included in the agreement of the respective electronic channel. The detailed conditions of the authenticated electronic bank account statement is contained in the

applicable “Public Announcement on bank account statements" (Annex 2 to Terms of Business on Payment Services). Clients contracted for e-statement service package before 18 May 2015 are subject to conditions identical with those of

authenticated electronic bank account statement.

If this Public Announcement applies to any bank account of the client, it automatically results in the application of this Publication to all further bank accounts of the same client.

REFERENCES

If account statement retained in a branch or received along with box rental is selected, the account keeping monthly fee is equal to the account keeping monthly fee charged for paper based statement posting with monthly frequency.

The fee is determined for one year in advance, on the basis of the account turnover at OTP Bank Plc.

OTP Bank Plc. conducts domestic HUF letter of credit transactions with a transactional value of over 100 thousand HUF, charging the fees specified in points 8.2 and 8.4.

In addition to the fees, if risk is assumed by the Bank, a risk assumption fee depending on the client’s rating is charged. The specific amount of the guarantee fee shall be determined on a case by case basis, depending on the rating of the

transaction and the Client.

Pursuant to the provisions of Act CXVI of 2012, "transfers between own accounts" shall mean such intra-bank transfers where the account owner initiating the transfer is identical with the account owner receiving it. Such transfer include

transfers between the Account Owner’s sole trader bank account and private retail bank account (including retail bank accounts with multiple owners where one of the account owners is the sole trader). Transfer to a credit account does not

qualify as transfer between own accounts. For transfers to the home pre-savings account of the Account Owner kept at OTP Lakástakarék Zrt., the fee for intra-bank transactions between own accounts is applied.

It is charged in case of account closing within one year from opening the account, only in respect of HUF or foreign currency current accounts, and not charged in respect of segregated or savings accounts.

The turnover special fee is charged on each debit transaction defined in the referenced act. In case of recontracting to a bank account/account package included in this Public Announcement, charging of the turnover special fee applies from

the moment of recontracting. For foreign currency accounts, the turnover special fee is charged in the account keeping currency. If the charging account is a HUF account, then the fee item is charged at the MNB average exchange rate

effective at the time of charging the fee. For your information, the duty items provided for in the effective act on financial transaction duty are currently as follows:

- for cash withdrawal transactions: 0.6% / transaction,

- for purchases with card:

• 500 HUF / year, if at least one contactless purchase transaction was made with the respective card in the previous calendar year,

• 800 HUF / year, if none of the purchase transactions made with the respective card in the previous calendar year was a contactless purchase transaction,

- for other debit transactions: 0.3%, maximum 6,000 HUF / transaction,

- After 1 December 2018, transfers initiated from payment accounts for the benefit of restricted payment accounts belonging to Széchenyi Recreational Cards are exempt from duty,

- With effect from 1 January 2019, for transfers initiated from the accounts of natural person entrepreneurs not included in the Sole Entrepreneur Register (other independent entrepreneurs, original producers not having a tax ID, other

individuals having a tax ID, as well as foreign entrepreneurs), the basis for the financial transaction duty will be the amount in excess of 20,000 HUF per transfer.

The commissions, costs and fees for the payment bank account used for transacting Széchenyi Card credits are identical with the conditions of the OTP e-Forint payment bank account. When concluding the e-Forint current bank account

agreement, the Account Owner is required to conclude an agreement for at least one business card, as well as the OTPdirekt internet service and the OTPdirekt telephone administration service.

For foreign currency accounts, the account keeping monthly fee is charged at the last listed OTP average exchange rate effective on the closing date, as specified in the retail payment bank account Terms of Business entitled "Retail foreign

currency account management and foreign currency trading".

By selecting the account package, the Account Owner commits to perform annually at least the debit account turnover specified in the account package agreement collectively on all the enterprise bank accounts owned by them and kept with

OTP Bank Plc. The following transactions are not included in debit account turnover: (a) book transfers between own accounts, (b) deposit tie-ups, (c) charging of fees, commissions, costs and interests initiated by OTP Bank Plc., (d)

cancellation transactions, (e) credit repayment.

In case of debit transactions performed in foreign currency, the debit account turnover is considered at the end-of-day OTP average exchange rate effective on the transaction date.

If the Account Owner fails to meet the commitment, OTP Bank Plc. may charge 0.1% surcharge based on the difference between the committed and the actually realised annual debit account turnover, to the bank account of the Account

Owner specified in the account package agreement. If the Account Owner terminates the payment account subject to the commitment, or recontracts to another account package or payment account, OTP Bank Plc. may verify whether the

Account Owner met the committed debit account turnover pro rata temporis, and if not, it may charge the 0.1% surcharge based on the proportional shortfall. If the Account Owner has more than one account package for which it committed to

a minimum annual debit account turnover in the account package agreement, then any surcharge shall be charged to the account subject to the highest amount of commitment and opened earliest. The calculation of the annual debit account

turnover starts from the opening date of the account package (or the effective date of recontracting to the account package) and ends on the same calendar day of the next year. After one year elapsed, calculation of the account turnovers

starts over. Further conditions:

- The amount of the minimum annual debit account turnover commitment specified in the account package agreement may be changed by modifying the agreement. For the respective account package, the Account Owner may contract for a

commitment of lower amount if at least one year has elapsed since concluding the account package agreement or the last modification thereof. In respect of commitment of higher amount, the agreement modification is not subject to time

limit.

If the Account Owner has more than one account package for which a commitment to a minimum annual debit account turnover is included in the account package agreement, then OTP Bank Plc. shall only consider the commitment with the

highest amount when verifying whether the commitment was met, and during charging any surcharge. Even in such cases, OTP Bank Plc. charges a surcharge maximum once per year to the bank account of the Account Owner specified

above, provided that the commitment is not met by the Account Owner.

- If the value of the committed annual debit account turnover of the highest amount is decreased by the Account Owner, then the inspection period with regard to the calculation of the annual debit account turnover shall not change.

- If the value of the committed annual debit account turnover of the highest amount is increased by the Account Owner, then the inspection period with regard to the calculation of the annual debit account turnover shall restart from the

effective date of the respective account package agreement modification.

- If the Account Owner has an account package for which a commitment to minimum annual debit account turnover is included in the account package agreement, and the account owner recontracts to another account package, they may

only contract back to the original account package if at least one calendar year has elapsed since the date of recontracting from the original account package.

The indicated account keeping fees are applicable in case the same statement type is associated to both the HUF and foreign currency account of the account package. Different statement types may also be set for the HUF and foreign

currency account. Charging the account keeping fee occurs in all cases as follows:

- to the HUF account of the Standard Devizaplusz account package, the account keeping fee specified for the Standard account package is charged, whereas to the foreign currency account thereof, the account keeping fee specified for the

foreign currency accounts of enterprises (point II.1.3.a) is charged by us;

- to the HUF account of the e-Devizaplusz account package, the account keeping fee specified for the e-account package is charged, whereas to the foreign currency account thereof, the account keeping fee specified for the foreign currency

accounts of enterprises (point II.1.3.a) is charged by us.

DELETED


(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

(25)

Charged per case, independent of the number of managed secondary account identifiers.

The detailed terms and conditions for instant cash deposits through ATMs—to the card account related to the card used to deposit or to another account—are contained in the Debit Card Business Regulations.

The fee will be effective from 02 March 2020.

As a result of the amendment of the law, transfers to the Széchenyi Recreational Card accounts kept by OTP Pénztárszolgáltató Zrt. shall qualify as inter-bank transfer instead of intra-bank transfer. In order to reduce the burden on

employers, from 6 January 2019 OTP Bank Plc. shall apply the same conditions to ad hoc transfers, standing transfers, ad hoc transfers submitted with a specified debit date and group transfers to Széchenyi Recreational Card accounts kept

by OTP Pénztárszolgáltató Zrt., as applicable to items initiated within the bank in a branch or through the OTPdirekt service, including 0 HUF ad hoc transfers if an account package has this feature. In the case of the Small Business START

account package, the Small Business GOLD account package, the Small Business ACCOUNTANT account package and the NON-PROFIT account package, the number of preferential ad hoc transfers is decreased if they are initiated within

the count of preferential transfers.

Transfers initiated under the eBiz service shall be subject to the same conditions as items initiated via the OTPdirekt service, i.e. the fees for transactions initiated via OTPdirekt services shall apply, including the 0 HUF ad hoc transfers as

well, if the account package has any.

From 10.03.2017. OTP Bank Plc. shall not conclude new agreements for Foreign Currency Savings Account, as well as for attorney custody deposit account in EUR currency.

The maximum fee applicable to HUF payment account intra-bank HUF and foreign currency, as well as domestic HUF ad hoc transfers applies to all such paying account agreements which are subject to this Public Announcement.

DELETED

The detailed terms and conditions of the transaction for providing card coverage are contained in the Debit Card Terms of Business, the Commercial Banking OTPdirekt General Terms of Business, as well as the Public Announcement on the

OTPdirekt services provided for commercial banking clients.

Fee for the TakarNet query performed by OTP Bank Plc. The fee is charged per certification/query. For the TakarNet service fees, our clients shall visit www.foldhivatal.hu => TakarNet information => Fees.

The preference varies depending on the date when the Gold account package agreement was concluded:

- For account packages contracted before 6 January 2016, the Private Banking basic agreement is provided by the Bank to one private person designated by the enterprise for a monthly fee of 0 HUF.

- For account packages contracted on or after 6 January 2016, the Private Banking basic agreement is provided by the Bank to one private person designated by the enterprise for a monthly fee of 0 HUF (in a promotion until withdrawn) only

is the private person client using it meets the Base condition set out in the public announcement entitled “Public Announcement on interest rates, costs and fees applicable under the micro and small enterprise / medium and large enterprise /

agricultural enterprise - private banking common value offering (hereinafter: MKV / KNV / AGK - Gold private banking service)". The monthly fee applicable if the Base condition is not met is also set out in the referenced public announcement.

The prerequisite of using the preferential private banking service associated with the Small Enterprise Gold account package is the conclusion of the OTP Private Banking basic agreement relating to the private banking – enterprise common

value offering. For this, the client shall notify their private banking advisor that they have a Small Enterprise Gold package.


Documents

PUBLIC ANNOUNCEMENT – WITH A TURNOVER SPECIAL FEE · account packages conditions (14) The fee for services marked with X in sections "Account package contents" are included in the