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 NOV 1, 2009
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.
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
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
4.2
W1SE (CORPORATE INTERNET BANKING) 11...................................................................................................... 8
4.3
K&H CORPORATE E-BANK (INTERNET BANKING FOR SME’S)12 ....................................................................... 8
4.4
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
INTEREST RATE CHARGED ON LATE PAYMENTS RELATED TO LOAN CONTRACTS ..................................... 11
7.4
GUARANTEE FEES................................................................................................................................................ 11
7.5
DEFAULT INTEREST RATE RELATED TO GUARANTEE CONTRACTS .............................................................. 11
7.6
FEES RELATED TO DOMESTIC BILLS OF EXCHANGE 17 ................................................................................. 11
7.7
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
1. ACCOUNT PACKAGES .................................................................................................................................................. 17
1.1. K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES .......................................................... 17
1.2. K&H LEGAL ACCOUNT PACKAGE ........................................................................................................................ 18
1.3. K&H HEALTH AND K&H ACCOUNTANTS ACCOUNT PACKAGE ......................................................................... 19
1.4. K&H BANKCARD ACQUIRING ACCOUNT PACKAGE........................................................................................... 20
1.5. K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES ................................................................... 21
1.6. K&H SME BUSINESS BANKCARD WITH OVERDRAFT FACILITY....................................................................... 22
2. SPECIAL SERVICE PACKAGES ................................................................................................................................... 23
2.1
KV DUPLA PACKAGE, K&H START-, K&H AKTÍV- AND K&H E-BANK BUSINESS A CCOUNT ........................... 23
2.2
CORPORATE SMALL ENTERPRISE FOREIGN CURRENCY ACCOUNT PACKAGE ........................................... 24
3. INFORMATION CONCERNING THE INSURANCE PACKAGES LINKED TO THE SERVICE PACKAGES ................. 25
4. THE METHOD OF CALCULATION OF THE FEES SET OUT IN THE ACCOUNT PACKAGES FEATURED............... 27
4.1
K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES .......................................................... 27
4.2
K&H LEGAL ACCOUNT PACKAGE ........................................................................................................................ 28
4.3
K&H HEALTH AND K&H ACCOUNTANTS’ ACCOUNT PACKAGE ......................................................................... 29
4.4
K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES ................................................................... 30
4.5
SPECIAL SERVICE PACKAGES ............................................................................................................................ 31
III. SERVICES....................................................................................................................................................................... 32
1. NOTICE OF THE K&H SME CUSTOMER SERVICE ...................................................................................................... 32
2. SERVICES OFFERED BY THE K&H CORPORATE CUSTOMER SERVICE ................................................................. 34
3. K&H CORPORATE MOBILINFO SERVICES .................................................................................................................. 35
4. ON THE ACTUAL CONDITIONS OF BUSINESS CREDITCARD MOBILINFO SERVICES ............................................ 36
5. K&H BUSINESS CREDITCARD MOBILINFO SERVICES .............................................................................................. 37
IV. REGULATIONS CONCERNING GENERAL TRANSACTIONS, ACCOUNTS ................................................................ 38
V. COMMENTS .................................................................................................................................................................... 41
APPENDICES
1.
2.
3.
4.
Notice of K&H Bank on the value of the interest rate
Notice of K&H Bank on the standard transfer cut-off times of payment orders and the order of execution
Information on the companies in the interest of the bank and about data management
Notice of Payment Title Codes Multiple HUF orders
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Announcement for corporate clients
I.
1.
BANKING SERVICES
HUF & FCY BANK ACCOUNTS
1.1 BANK ACCOUNT MANAGEMENT

Account opening

HUF bank account monthly account maintenance fee (each month started)

FCY account monthly account maintenance fee (each month started)
Currencies: USD, EUR, CHF, GBP, SEK, DKK, CAD, AUD, JPY, NOK, CZK, PLN

Corporate account and/or package change fee
(in case of changing to a package with cheaper accont package fee)
free of charge
HUF 4,400 / account
EUR 20 / account
HUF 10,000 /occasion
1.2 DOMESTIC TRANSACTIONS IN HUF
1.2.1


RECEIPTS
Cash in (HUF)

credit HUF account

credit FCY account
Credit of payments (intrabank, GIRO, VIBER)
1.2.2


0,11%, min. HUF 200
free of charge
free of charge
DEBITS
Cash withdrawal (HUF)

debit HUF account

debit FCY account
0.22%, min. HUF 400
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

Book transfers between HUF and FCY account of the same Client

paper based

electronic



1.2.3


1,25%, min. EUR 16
One-off / forward dated VIBER (paper based and electronic)

transfer

presented before value date

modification requested by Client

payment instruction cancelled due to lack of fund
HUF 300 / item
free of charge
0.6%, min. HUF 16,000, max. HUF 170,000
0.3%, min. HUF 6,000, max. HUF 60,000
HUF 20,000
HUF 20,000
Collection

initiation paper based

initiation electronic

registration fee of authorization letter
HUF 500 / item
0,1%, min. HUF 100 Campaign: free of charge for 31.05.2011
HUF 500 / item
Authority payment

initiation paper based

initiation electronic
HUF 500 / item
0,1%, min. HUF 100 Campaign: free of charge for 31.05.2011
DOMESTIC TRANSACTIONS IN HUF ONLY FOR HUF ACCOUNTS
Standing order

Intrabank payment orders 1

Outgoing payment orders 1

Registration fee of paper based standing order 19
HUF 200 / item
HUF 250 / item
HUF 500 / item
Multiple payment orders (intrabank and external payments)
 Direct debits
 initiation
 credit
 execution
 modification to direct debit authorization (paper based) at branch
 Batch payments
0.03% + HUF 30 / item
free of charge
HUF 110 / item
HUF 500 / item
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


1.3.2



RECEIPTS
Cash in (FCY)
 credit HUF account
 credit FCY account in different currency
 credit FCY account in same currency
0,05% Campaign: free of charge for 31.05.2011
0,05% Campaign: free of charge for 31.05.2011
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
DEBITS
Cash withdrawal (FCY)
 debit HUF account
 debit FCY account in different currency
 debit FCY account in same currency
0,05% Campaign: free of charge for 31.05.2011
0,05% Campaign: free of charge for 31.05.2011
0,9%
Intra bank payment orders in FCY (debit HUF or FCY account)
 paper based or via K&H SME customer service
 electronic orders
0,18%, min. EUR 16
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)
 bearing correspondent banking costs (OUR cost allocation)
 electronic orders (with SHA or BEN cost allocation)
 bearing correspondent banking costs (OUR cost allocation)
0.2%, min. EUR 18
0.2% + EUR 22, min. EUR 40
0.15%, min. EUR 14
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
Book transfers
see”1.3.2. Debits”
 between HUF and FCY account of the same Client (paper based)
 between HUF and FCY account of the same Client (electronic)

2.
HUF 300 / item
free of charge
Conversion fee*
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
Cash in
Book transfers
free of charge
free of charge
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)
Monthly account maintenance fee (FCY account)
HUF 4,400
EUR 20
2.4 ACCOUNT MANAGEMENT TO FOUNDATIONS


Monthly account maintenance fee (HUF account)
Monthly account maintenance fee (FCY account)
HUF 1,350
HUF 2,000
2.5 K&H DEPOSIT HUF AND FCY ACCOUNT – CASH DEPOSIT


Monthly account maintenance fee
One off handling fee of cash deposit (charged at the day of placement after the placed amount)
free of charge
1.00 %
* 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
Fee of prompt withdrawal over the counter in excess of cash withdrawal fee 2
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
Campaign: same cash delivered in bags for 30.11.2009
 HUF banknotes
0.2%, + HUF 1,700 / occasion
 HUF coins
3%, + HUF 500 / occasion
 FX banknotes / FX coins
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
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
25.0%
 the damage on the banknote is larger than 10%, but not over 20%
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
Refund after foreign currency payment 3
 HUF 5-20 mln
0.5%
 HUF 20-100 mln
0.7%
 HUF 100-500 mln
0.8%
 over HUF 500 mln
1.0%
Refund after foreign currency withdrawal 3
 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 commision
Campaign: 0,10% bank commision + postal commision for 31.05.2010
Postal cash payment order (incoming payment, electronic)
0.10% bank commision + postal commison
Postal payment cheque (outgoing) paper based orders
0.15% bank commision + postal commision
Postal payment cheque (outgoing) electronic orders
0.11% bank commision + postal commision
Cash withdrawal at post office
0.10% bank commision + postal commision
Cash in at post office via pass book
0.10% bank commision + postal commision
Cash withdrawal at post office via pass book
0.10% bank commision + postal commision
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
Fees charged for foreign currency transfers with erroneous IBAN/BIC 4
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 500 / 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
Administration fee 7
HUF 500 / occasion
notification fee 8
HUF 200 / item Campaign: free of charge for 31.05.2010
3.5 ACCOUNT STATEMENT, BANK INFORMATION, CONFIRMATION








*
**
***
Daily account statement on paper
postal commission9 Campaign: free of charge for 31.05.2010
Daily 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 40 / month / account
Account statement (SWIFT MT941 / MT942)
EUR 40 / month / account
Copy of SWIFT message
EUR 8 / item
Reprinted or reloaded account statement
 not older than 14 days
HUF 500 / statement Campaign: free of charge for 31.05.2011
 older than 14 days
HUF 2,000 / statement
Bank information (however the Bank shall transfer the possibly occurring foreign information / bank costs)
 using the template of the Bank
HUF 6,000
 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.
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Announcement for corporate clients


Confirmation of exchange rate
 daily on individual request
 for longer period as one week on individual request
 daily confirmation of exchange rate based on agreement, flowing
Confirmation
 for audit purposes
 on execution of HUF orders
 on execution of FCY orders
 in a separate letter 10
 from archived data older than 90 days
HUF 500 / letter
HUF 2.500 / letter
HUF 5.000 / month
HUF 12,000
HUF 1,500 / item
EUR 6
HUF 3,000 / letter / account
HUF 6,000 / letter / account

Urgent confirmation issued immediately at the submission of the order in a separate letter

Pledge transactions
0.1%, min. HUF 1,500

Confirmation of own recources
0.5%, min. HUF 1,000
HUF 5,000 / letter
3.6 TELEPHONE CUSTOMER SERVICES
4.

Information via telephone on the Corporate Client Service, and K&H SME customer service
free of charge

Technical support for electronic banking services
(Electra, W1SE, K&H Corporate e-bank)
free of charge
ELECTRONIC SERVICES


User administration fee
Security device replacement fee
HUF 1,000 / occasion Campaign: free of charge for 31.05.2010
HUF 2,000 / occasion Campaign: free of charge for 31.05.2010
4.1 ELECTRA (MODEM BASED OR INTERNET BASED ELECTRONIC BANKING SERVICE)



Installation
Monthly fee of electronic payment services (main user)
Monthly fee of electronic payment services (additional users at the same location)
HUF 20,000*
HUF 5,000 / month
HUF 3,000 / month
4.2 W1SE (CORPORATE INTERNET BANKING) 11
4.2.1 W1SE K&H ACCOUNT MANAGEMENT



Implementation fee
Monthly maintenance fee (for first client)
Monthly maintenance fee (for additional joining client)
HUF 20,000
HUF 5,000 / month
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
Monthly maintenance fee
150 EUR
50 EUR / month
4.3 K&H CORPORATE E-BANK (INTERNET BANKING FOR SME’S)12








Monthly fee
electronic access fee
ID device annual fee
ID device replacement fee
ID device stoppage
Blocked PIN of ID device lifting
Card reader annual fee
Charge of a Card reader
free of charge
HUF 100 / user / month
HUF 1.200 / year Campaign: free of charge for 31.05.2010
HUF 1.200 / occasion Campaign: free of charge for 31.05.2010
free of charge
HUF 1.000 / occasion Campaign: free of charge for 31.05.2010
free of charge
free of charge
4.4 K&H CORPORATE MOBILINFO

Monthly fee

Fee per message**

Fee of detailed statement
(message turnover and listing of Mobilinfo orders for the requested period)
*
**
free of charge if the installation is performed by the customer
The Bank will charge at end of momth
8 / 55
HUF 200 / month
HUF 20 / SMS message
HUF 1,000 / statement
Announcement for corporate clients
5.
OTHER SERVICES
5.1 SAFE DEPOSIT BOX SERVICES
Upper limit of
indemnification
liability
Safe deposit box size “A”
Safe deposit box size “B”
Safe deposit box size “C”
HUF 500,000
HUF 840 + VAT
HUF 920 + VAT
HUF 1,000 + VAT
as per the contract
HUF 1,000,000
HUF 1,260 + VAT
HUF 1,340 + VAT
HUF 1,420 + VAT
as per the contract
HUF 2,000,000
HUF 1,560 + VAT
HUF 1,700 + VAT
HUF 1,800 + VAT
as per the contract
HUF 5,000,000
HUF 2,600 + VAT
HUF 2,700 + VAT
HUF 2,800 + VAT
as per the contract
HUF 10,000,000
HUF 5,200 + VAT
HUF 5,400 + VAT
HUF 5,600 + VAT
as per the contract
Fee, HUF/month
Due
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)
“B” (medium size)
“C” (large size)
0 - 100 mm height
101 - 250 mm height
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
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
9 / 55
Announcement for corporate clients
6.
DOCUMENTARY DEALS
6.1 EXPORT COLLECTION








Sending of drafts and documents for collection to be delivered against payments/acceptance
Documents sent back without payment,
Release of documents without payment
Urging settlement, payment, acceptance
Modification
One-time information from the buyer’s bank abroad over the phone about the outcome
Status overview, detailing all of client’s documentary collections, both
outstanding and those which have been concluded within the last month
Compensation fee – should the Bank fail to meet an agreed commitment 13
0.25%, min. EUR 35
0.2%, min. EUR 35
EUR 8 / occasion
EUR 35
EUR 20 / phonecall
EUR 40 / month
EUR 35 / transaction
6.2 IMPORT COLLECTION






Settlement
Release of documents without payment, or their return
Urging settlement, payment, acceptance on third or any consequent occasion l
Modification
Release of goods arrived at disposal/address of Bank
(in addition to collection commission)
Safe keeping of Bill of Exchange
0.25%, min. EUR 35
0.2 %, min. EUR 35
EUR 8 / occasion
EUR 35
0.30%, min. EUR 35
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
6.4 IMPORT LETTER OF CREDIT 14






Opening, increase, extension of L/C
Handling and examination of documents
Modification (except for increase and extension)
Undertaking of payment obligation in case of deferred payment import L/C,
(in addition to other commission), for the entire period of the obligation
Issuance of special L/C
Draft making (free of charge via Flexims)
according to separate agreement
0.20%, min. EUR 40
EUR 40
according to separate agreement
according to separate agreement
EUR 40
6.5 DOMESTIC LETTER OF CREDIT

See costs and charges of “7.3 Export L/C and 7.4 Import L/C”!
6.6 GUARANTEES 14




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
Consultancy concerning wording of a banker’s instruments (guarantee, L/C, etc.)
(Direct written consultancy for Client request)
Urging by customer in written request
FLEXIMS Internet based service to documentary deals
SWIFT related to documentary deals
Postage related to documentary deals
Courier related to documentary deals
Fax charge related to documentary deals
10 / 55
EUR 20 / item
EUR 40 / occasion
EUR 20
free of charge
HUF 1.000 / message
HUF 600 / item
according to courier tariff
HUF 300 / page
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
Administration fee 15
HUF 2,510
Administration fee 16
HUF 3,510
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 Campaing: free of charge for 31.05.2010
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 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.
7.4 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.
7.5 DEFAULT INTEREST RATE RELATED TO GUARANTEE CONTRACTS


Overdue HUF loans: K&H Base Rate + 6% p.a.
Overdue foreign currency loans: benchmark money market rate (LIBOR, EURIBOR, etc.) + 6% p.a.
* For details/conditions of these services please turn to your account keeping branch!
7.6 FEES RELATED TO DOMESTIC BILLS OF EXCHANGE 17




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
7.7 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 / 55
Announcement for corporate clients
8.
ON THE CONDITIONS OF BANKCARD SERVICES
8.1 ON THE CONDITIONS OF BUSINESS BANKCARD SERVICES
Effective: as of October 21, 2009
K&H Visa Business
Gold
K&H Visa Business
K&H MasterCard
Business
K&H Entrepreneurs
Maestro
Conditions for application
Status
Account type
Opening amount
Resident or non-resident
An HUF or FX account opened at the Bank.
Same as the annual bankcard fee
Interest rates and fees concerning bankcard cover
Interest rate calculation
Fee of cover separation
Interest rate calculation on negative balance
Currency of cross-settlement with the card
company
As specified in the interest rate conditions of the bank account supporting the use of the
bankcard
Free of charge
As specified in the interest rate conditions of the bank current account supporting the use of
the bankcard
EUR in case of EUR transaction
EUR
further USD
Fees and charges
Annual bankcard fee
Card stopping fee k1
Card replacement fee
PIN reprint or modification fee k2
Card or PIN deliveryk5 by mail
Card or PIN storingk5 by the bank
Urgency fee of card production
HUF 20 000
HUF 15 000
HUF 3 000
HUF 8 000
HUF 8 000
HUF 15 000
HUF 15 000
HUF 3 000
HUF 3 000
HUF 100 / occasion
HUF 2 000
HUF 2 500
HUF 1 000
Postal commision K6
HUF 200
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
In non K&H branches or other cash
withdrawal places (in post office)
0,2 %+ HUF 300
0,2 %+ HUF 350
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
Urgent cash withdrawal abroad
Provision of foreign emergency services
Travel insurance services abroad k3
HUF 50 000
HUF 35 000
HUF 10 000
Free of charge
Free of charge
HUF 50 000
HUF 35 000
HUF 10 000
Service not available
Bankcard usage limits
Maximum number of cash withdrawals in
K&H ATM
Limit of ATM cash withdrawal
Maximum number of (ATM and POS) cash
withdrawals (standard setting) k4
Total amount of purchases (standard
setting) k4
20 banknotes/transaction
5 transactions/day
HUF 250 000 / day
HUF 100 000 / day
Available balance of
bank account
Available balance of
bank account
Validity of bankcard
HUF 200 000 / day
HUF 250 000 / day
HUF 300 000 / day
Available balance of
bank account
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 500 000/ 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 2010.
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 / 55
Announcement for corporate clients
8.2 ON THE CONDITIONS OF BUSINESS CREDIT CARD SERVICES
Effective: as of October 21, 2009
K&H MasterCard Business credit card
Account-related interest and charges
Monthly credit interest rate k1
1,9 %
k17
Default interest
6%
Sight deposit rate
Minimum repayment amount
0%
k2
10 %
Past due fee k3
HUF 2 000
Over limit fee k4
HUF 2 000
Grace period k5
15 calendar days
APR (Annual Percentage Rate)
25,41 %
Available settlement periods k6
5th day of the month
Automatic repayment fee for the minimum repayment amount
Automatic repayment fee for the total outstanding credit
Card-related fees and charges
k7
1.3 %, but at least HUF 200
k16
Annual bankcard fee k8
Card stopping fee
Free of charge
HUF 9 000
k9
HUF 15 000
Card replacement fee
HUF 3 000
PIN reprint or modification fee k10
HUF 100 / occasion
Card or PIN delivery by mail k19
Postal commision k20
k19
HUF 200
Card or PIN storing by the bank
Paper based credit card statement k19
(will be charged by the bank only after 01 June 2010 )
Urgency fee of card production
Postal commision k21
Service not available
POS commissions
In Hungary and in Abroad
Free of charge
Cash withdrawal charges k11
Abroad
1 % + HUF 1 000
In Hungary k16
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
Charges for other bankcard services
Service not available
k16
Emergency bank card replacement abroad
HUF 50 000
Urgent cash withdrawal abroad
HUF 35 000
Provision of foreign emergency services
HUF 10 000
Free of charge
Service not available
Included in the conditions of the credit card Mobilinfo
service
Travel insurance services abroad k12
Branch statement storage k13
Monthly fee of credit card Mobilinfo service and SMS fee k18
Card usage limits
Maximum number of banknotes deposited through K&H ATM
20 banknotes/transaction
Maximum number of cash withdrawals
Cash withdrawal (ATM and POS) limit (default setting)
Purchases limit (default setting) k14
Validity of bankcard
Credit limit weekly (default setting) k15
Credit limit monthly (default setting) k15
5 transactions/day
k14
HUF 200 000/day
HUF 300 000/day
3 years
Credit line
Credit line
Cards not taken over by the applicant are automatically destroyed after 90 days
13 / 55
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
due date, the Bank will not charge any interest nt he purchase and purchase type 16 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 tranasaction.
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 and the paper based credit card statement fee will be charged by the bank only after 01 June
2010.
K20.
This fee is the non-priority, standard letter up to 50g by announcement of Magyar Posta
K21.
This fee is the non-priority, standard letter up to 30g by announcement of Magyar Posta
14 / 55
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
POS terminals
K&H Entrepreneurs Maestro
In Hungary and abroad:
POS terminals displaying the edc / Maestro logo.
Electronically (at POS terminals) and e-shopping.
E-shopping
Internet gambling
Cash withdrawal
Cash in-payment
Balance enquiry
Mobile top-up
Transaction types
POS terminals
E-shopping
Internet gambling
Cash withdrawal
Cash in-payment
Balance enquiry
Mobile top-up
This product can only be used with K&H internet merchants in Hungary.
This product cannot be used for internet gambling.
In Hungary and abroad:
 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
must also be provided.
Service not available
In ATMs displaying the K&H logo and offering this function.
K&H Visa Business /
K&H MasterCard Business/
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.
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.
This product can be used with all domestic and international internet merchants.
This product cannot be used for internet gambling.
In Hungary and abroad:
In Hungary and abroad:
 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
must also be provided.
Service not available
In ATMs displaying the K&H logo and offering this function.
15 / 55
Announcement for corporate clients
8.5 EXCHANGE RATES USED WHEN DEBITING BANKCARD TRANSACTIONS
Currency of the
transaction
Card type
Currency of crosssettlement with the card
company *
Currency of the
bankaccount
K&H rates (the date of
processing of the
transaction by the Bank)
In Hungary: cash withdrawal and purchase in HUF
Visa Electron / Visa
Maestro / MasterCard
HUF
HUF
The Card company
doesn’t the settlement
process
The Card company
doesn’t the settlement
process
USD / EUR / other
currency
K&H buying rate of
exchange I.
HUF**
no conversion
USD / EUR / other
currency
K&H buying rate of
exchange I.
HUF**
no conversion
In Hungary: cash withdrawal and purchase in EUR and Abroad cash withdrawal and purchase in EUR
EUR
internal transaction: HUF
external transaction: EUR
EUR **
USD / Other currency
HUF
Visa Electron / Visa
USD / Other currency
USD
EUR / other currency
USD
HUF
Maestro / MasterCard
EUR
USD
EUR
Other currency
EUR
USD / other currency
HUF
no conversion
K&H cross rate
K&H selling rate of
exchange I.
K&H cross rate
no conversion
K&H selling rate of
exchange I.
no conversion
K&H cross rate
K&H selling rate of
exchange I.
* If the transaction currency and the settlement currency of the card company differ, the card company will convert the transaction amount
using its own exchange rate.
** In case of internal transaction if the transaction currency and the account currency are same, the original amount of the transaction will debit
on the account.
Example for the interpretation of the cross rate
Example of the EUR/USD cross rate:
First step: sell EUR for HUF at the K&H FX I. sales exchange rate
Second step: buy USD for HUF at the K&H FX I. purchase exchange rate.
16 / 55
Announcement for corporate clients
II.
1.
ACCOUNT PACKAGE SERVICES
ACCOUNT PACKAGES
1.1. K&H START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES
EFFECTIVE: AS OF JULY 29, 2009
K&H START ACCOUNT
PACKAGE
K&H ACTIVE ACCOUNT
PACKAGE
K&H DYNAMIC ACCOUNT
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
free of charge
free of charge
free of charge
0.11% min. HUF 165
0.11% min. HUF 165
0.11% min. HUF 165
free of charge
free of charge
free of charge
0,24% min. HUF 400
0,18% min.HUF 250
0,2% min. HUF 400
THE CONTENTS OF PACKAGES
K&H HUF CURRENT ACCOUNT
Current account management fee
Domestic transactions in HUF
- Intrabank payment orders
 paper based ****
 electronic
- Outgoing payment orders via GIRO
 paper based ****
 electronic
Cash in (HUF)
The first 5 transaction are The first 20 transaction are
free of charge / month,
free of charge / month,
from the 6th transaction: from the 21th transaction:
0.18% min. HUF 180 **
0.12% min. HUF 180 **
The first 10 transaction are
free of charge / month,
from the11th transaction:
0.15%, min. HUF 180 **
0.03% min. HUF 140
0.03% min. HUF 140
0.03% min. HUF 140
The first K&H
Entrepreneurs Maestro
The first K&H Mastercard
Business
The first K&H Mastercard
Business
The preferential bankcard annual fee
free of charge
free of charge
free of charge
Fee of cash withdrawal at K&H ATM
with the preferential bankcard
The first HUF transaction
is free of charge / month18
The first 2 HUF
transaction is free of
charge / month18
The first 2 HUF transaction is
free of charge / month18
Monthly fee of
K&H CORPORATE MOBILINFO
free of charge
free of charge
free of charge
Monthly fee of
K&H CORPORATE E-BANK
free of charge
free of charge ***
free of charge ***
n/a
free of charge ***
free of charge ***
free of charge
free of charge
free of charge
THE TYPE OF THE PREFERENTIAL
BANKCARD
Monthly fee of
ELECTRA
K&H SME CUSTOMER SERVICE
ePIN/TPIN 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.
17 / 55
Announcement for corporate clients
1.2. K&H LEGAL ACCOUNT PACKAGE
EFFECTIVE: AS OF JULY 29, 2009
E-BANK
CURRENT
BUSINESS TERMINAL
CURRENT
ACCOUNT
DEPOSIT
ACCOUNT **
*
0 HUF
K&H current
account
management
fee
HUF transfer –
paper based
******
interbank
intrabank
TRADITIONAL
CURRENT
ACCOUNT
DEPOSIT
ACCOUNT **
ACCOUNT
DEPOSIT
ACCOUNT **
*
0 HUF
*
0 HUF
0.16%, min. HUF 350
0.16%, min. HUF 350
0.14%, min. HUF 280
0.13%, min. HUF 240
0.13%, min. HUF 240
0.11%, min. HUF 240
0.09%, min. HUF 180
0.09%, min. HUF 180
-
intrabank
0.08%, min. HUF 100
0.08%, min. HUF 100
-
HUF cash in
HUF 100
HUF 100
HUF 100
0.15%, min. HUF 380
0.15%, min. HUF 380
0.15%, min. HUF 380
HUF transfer –
electronic
interbank
HUF cash
withdrawal
Interest rate
(annual %)
sight***
1 month’s deposit
interest minus
2%****
sight***
1 month’s deposit
interest minus
2%****
sight***
1 month’s deposit
interest minus
2%****
* Monthly Account management fees and the contents of packages:
BASIC
E-BANK ACCOUNT PACKAGE
EXTRA
PREMIUM
BASIC
BUSINESS TERMINAL
EXTRA
ACCOUNT PACKAGE
PREMIUM
TRADITIONAL ACCOUNT PACKAGE
e-bank monthly fee+ electronic card annual fee +
mobilinfo monthly fee + insurance 1
e-bank monthly fee + electronic card annual fee +
mobilinfo monthly fee + insurance 2
e-bank monthly fee + embossed debit bankcard
annual fee***** + mobilinfo monthly fee + insurance
3
electronic card annual fee + mobilinfo monthly fee
+ insurance 1 + Electra monthly fee
electronic card annual fee + mobilinfo monthly fee
+ insurance 2 + Electra monthly fee
embossed debit bankcard annual fee***** +
mobilinfo monthly fee + insurance 3 + Electra
monthly fee
embossed debit bankcard annual fee***** +
mobilinfo monthly fee + ePIN/TPIN + insurance 1
The account management fee also includes the fee of products within the package
**
***
****
*****
******
The account package includes only one 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
Terms and conditions not shown below are identical to those stipulated in sections I. of the Announcement
18 / 55
HUF 990
HUF 1,090
HUF 1,490
HUF 1,990
HUF 2,190
HUF 2,590
HUF 1,490
Announcement for corporate clients
1.3. K&H HEALTH AND K&H ACCOUNTANTS ACCOUNT PACKAGE
EFFECTIVE: AS OF JULY 29, 2009
E-BANK
BUSINESS TERMINAL
TRADITIONAL
*
*
*
0.16%, min. HUF 350
0.16%, min. HUF 350
0.14%, min. HUF 280
0.13%, min. HUF 240
0.13%, min. HUF 240
0.11%, min. HUF 240
0.09%, min. HUF 180
0.09%, min. HUF 180
-
K&H current account management fee
HUF transfer – paper based ****
interbank
intrabank
HUF transfer – electronic
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
sight**
sight**
sight**
Interest rate (annual %)
*Monthly Account management fees and the contents of packages:
E-BANK ACCOUNT PACKAGE
BASIC
e-bank monthly fee + electronic card annual fee+
mobilinfo monthly fee + insurance 1
HUF 990
EXTRA
e-bank monthly fee + electronic card annual fee +
mobilinfo monthly fee + insurance 2
HUF 1,090
e-bank monthly fee + embossed debit bankcard
annual fee*** + mobilinfo monthly fee + TPIN +
insurance 3
HUF 1,490
BASIC
electronic card annual fee + mobilinfo monthly fee +
insurance 1 + Electra monthly fee
HUF 1,990
EXTRA
electronic card annual fee + mobilinfo monthly fee +
insurance 2 + Electra monthly fee
HUF 2,190
PREMIUM
embossed debit bankcard annual fee*** + mobilinfo
monthly fee + insurance 3 + Electra monthly fee
HUF 2,590
embossed debit bankcard annual fee*** + mobilinfo
monthly fee + ePIN/TPIN + insurance 1
HUF 1,490
PREMIUM
BUSINESS TERMINAL
ACCOUNT PACKAGE
TRADITIONAL ACCOUNT PACKAGE
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
19 / 55
Announcement for corporate clients
1.4. K&H BANKCARD ACQUIRING ACCOUNT PACKAGE
EFFECTIVE: AS OF JULY 29, 2009
Credits (with or without converstion)
Free of charge
HUF transfer – paper based ***
interbank
0.14%, min. HUF 330
intrabank
Free of charge
HUF transfer – electronic
interbank
0.09%, min. HUF 180
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
well)
HUF interest rates
As per the K&H Announcement
E-BANK
BASIC
K&H BANKCARD ACQUIRING
0.15% és HUF 150 /sack
E-BANK EXTRA
ACCOUNT PACKAGE
BUSINESS
TERMINAL
HUF and/or USD and/or EUR Account maintenance *
e-bank monthly fee + mobilinfo monthly fee + ePIN/TPIN
0 HUF
e-bank BASIC * +
embossed debit bankcard annual fee** + insurance 3
HUF 890
HUF and/or USD and/or EUR Account maintenance *
Electra monthly fee + mobilinfo monthly fee + ePIN/TPIN
+ embossed debit bankcard annual fee** + insurance 3
HUF 990
*
unless other instruction received, monthly account management fee will be debited in the following order of accounts: 1st HUF, 2nd EUR, 3rd 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
20 / 55
Announcement for corporate clients
1.5. K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES
EFFECTIVE: AS OF JULY 29, 2009
E-BANK
K&H current account
management fee
HUF transfer –
paper based ****
BUSINESS TERMINAL
TRADITIONAL
CURRENT
RENOVATION
CURRENT
RENOVATION
CURRENT
RENOVATION
ACCOUNT
ACCOUNT
ACCOUNT
ACCOUNT
ACCOUNT
ACCOUNT
*
0 HUF
*
0 HUF
*
0 HUF
0.16%, min. HUF 350
0.16%, min. HUF 350
0.14%, min. HUF 280
0.13%, min. HUF 240
0.13%, min. HUF 240
0.11%, min. HUF 240
0.09%, min. HUF 180
0.09%, min. HUF 180
-
0.08%, min. HUF 100
0.08%, min. HUF 100
-
HUF 100
HUF 100
HUF 100
0.15%, min. HUF 380
0.15%, min. HUF 380
0.15%, min. HUF 380
interbank
intrabank
HUF transfer – electronic
interbank
intrabank
HUF cash in
HUF cash withdrawal
Interest rate (annual %)
sight**
1 month’s deposit
interest minus
2%***
sight**
1 month’s
deposit interest
minus 2%***
sight**
1 month’s
deposit interest
minus 2%***
* Monthly Account management fees and the contents of packages:
E-BANK ACCOUNT PACKAGE
e-bank monthly fee + free production of the first 150 cheques /
every 6 month
BUSINESS TERMINAL ACCOUNT PACKAGE
Electra monthly fee + group collection initiation + free production
of the first 150 cheques / every 6 month
HUF 1,990
TRADITIONAL ACCOUNT PACKAGE
ePIN/TPIN + 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
21 / 55
HUF 990
Announcement for corporate clients
1.6. 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)
FIRST CARD *
VISA BUSINESS
VISA BUSINESS GOLD
MASTERCARD BUSINESS
0,50%
FREE OF CHARGE
ADDITIONAL CARDS
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
22 / 55
Announcement for corporate clients
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
ACCOUNT*
KV DUPLA
K&H E-BANK BUSINESS
ACCOUNT
PACKAGE
ACCOUNT
1760 HUF /month
2,200 HUF / month
3,520 HUF / month
2,640 HUF / month
0,24% min. HUF 400
0,24% min. HUF 400
0,24% min. HUF 400
0,25% min. HUF 400
0,18% min. HUF 320
0,18% min. HUF 320
0,18% min. HUF 320
0,22% min. HUF 320
0.20% min. HUF 240
0.14% min. HUF 200
0.12% min. HUF 180
0.10% min. HUF 180
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
K&H current account
management fee
HUF transfer – paper based
Interbank **
intrabank
HUF transfer – electronic
interbank
intrabank
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
bank)
free of charge
free of charge
free of charge
free of charge
K&H corporate e-bank ID device
annual fee
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
K&H corporate e -bank ID device
replacement fee
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
HUF 1,200
Campaign: free of
charge for 31.05.2010
K&H corporate e -bank ID device
stoppage
free of charge
free of charge
free of charge
free of charge
Blocked PIN of e-bank ID device
lifting ***
HUF 1,000
Campaign: free of
charge for 31.05.2010
HUF 1,000
Campaign: free of
charge for 31.05.2010
HUF 1,000
Campaign: free of
charge for 31.05.2010
HUF 1,000
Campaign: free of
charge for 31.05.2010
free of charge
free of charge
free of charge
free of charge
Every other card reader annual
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
23 / 55
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*:
Currencies: USD, EUR, CHF, GBP, DKK.
free of charge
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
 electronic orders

0.16%, min. EUR 16
0.13%, min. EUR 12
Outgoing foreign currency payments to the debit of foreign currency account (with or without conversion) 3
 paper-based order (details of charges: SHA and BEN3)
0.18%, min: EUR 18
3
 upon assuming the correspondent bank’s charges (details of charges: OUR ) 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)

electronic
0.15%, min. 1.5 EUR
0.11%, min. 1 EUR
 external HUF transfer

paper-based (including execution of collections / authority payment / warrant payment)

electronic
0.2%, min. 2 EUR
0.12%, min. 1 EUR
 external urgent HUF transfer

paper-based

electronic
0.15%, min. 6 EUR
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
24 / 55
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,
K&H Health care providers’
K&H Accountants’ packages
Business terminal Basic,
Traditional
E-bank Basic
Business terminal extended,
E-bank Extended
Business terminal Extra,
E-bank Extra
_
_
Business terminal, E-bank
extended
K&H Merchants’ account
package
Type of insurance (sum insured in HUF **)
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
Type of insurance
* 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
25 / 55
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
26 / 55
Announcement for corporate clients
4.
THE METHOD OF CALCULATION OF THE FEES SET OUT IN THE ACCOUNT PACKAGES FEATURED
EFFECTIVE FROM 29 JULY, 2009
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 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 START-, K&H AKTIVE-, AND K&H DYNAMIC ACCOUNT PACKAGES
EFFECTIVE FROM 29 JULY, 2009
NAME OF TYPE OF FEE
K&H START ACCOUNT PACKAGE
K&H DYNAMIC ACCOUNT PACKAGE
Fixed
amount
Charge rate
Minimum fee
Fixed
amount
K&H ACTIVE ACCOUNT PACKAGE
Charge rate
Minimum fee
Fixed amount
Charge rate
Minimum fee
-
73 %
51,5 %
-
73 %
51,5 %
-
73 %
51,5 %
-
0%
0%
-
0%
0%
-
0%
0%
-
120 %
100 %
-
100 %
100 %
-
90 %
62,5 %
-
The first 10: 0 %,
after: 125 %
The first 10: 0 %,
after: 100 %
-
The first 20: 0 %, after:
100 %
The first 20: 0 %, after:
100 %
Domestic transactions in HUF
- Intrabank payment orders
 paper based
 electronic
- Outgoing payment orders via GIRO
 paper based
 electronic
Cash in (HUF)
The preferential bankcard annual fee
-
The first 5: 0 %, The first 5: 0 %,
after: 150 %
after: 100 %
-
50 %
87,5 %
-
50 %
87,5 %
-
50 %
87,5 %
0%
-
-
0%
-
-
0%
-
-
Monthly fee of
K&H CORPORATE MOBILINFO
Monthly fee of
K&H CORPORATE E-BANK
Monthly fee of
ELECTRA
0%
-
-
0%
-
-
0%
-
-
100 %
-
-
100 %
-
-
100 %
-
-
-
-
-
0%
-
-
0%
-
-
K&H SME CUSTOMER SERVICE
ePIN/TPIN fee
100 %
-
-
100 %
-
-
100 %
-
-
27 / 55
Announcement for corporate clients
4.2
K&H LEGAL ACCOUNT PACKAGE
EFFECTIVE FROM 29 JULY, 2009
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
amount
Charge rate Minimum fee
Fixed
amount
Charge rate Minimum fee
Fixed
amount
Charge rate
Minimum fee
HUF transfer – paper
based
Interbank
-
80 %
87,5 %
-
80 %
87,5 %
-
70 %
70 %
Intrabank
-
86 %
75 %
-
86 %
75 %
-
73 %
75 %
-
75 %
100 %
-
75 %
100 %
-
-
-
Intrabank
-
73 %
62,5 %
-
73 %
62,5 %
-
-
HUF cash in
62,5 %
-
-
62,5 %
-
-
62,5 %
-
-
-
68 %
95 %
-
68 %
95 %
-
68 %
95 %
HUF transfer – electronic
interbank
HUF cash withdrawal
28 / 55
Announcement for corporate clients
4.3
K&H HEALTH AND K&H ACCOUNTANTS’ ACCOUNT PACKAGE
EFFECTIVE FROM 29 JULY, 2009
E-BANK
NAME OF TYPE OF FEE
HUF transfer – paper
based
interbank
Fixed
amount
BUSINESS TERMINAL
Charge rate Minimum fee
Fixed
amount
Charge rate Minimum fee
TRADITIONAL
Fixed
amount
Charge rate
Minimum fee
-
80 %
87,5 %
-
80 %
87,5 %
-
70 %
70 %
-
86 %
75 %
-
86 %
75 %
-
73 %
75 %
-
75 %
100 %
-
75 %
100 %
-
-
-
Intrabank
-
73 %
62,5 %
-
73 %
62,5 %
-
-
HUF cash in
-
50 %
68,75 %
-
50 %
68,75 %
-
50 %
68,75 %
HUF cash withdrawal
-
68 %
95 %
-
68 %
95 %
-
68 %
95 %
Intrabank
HUF transfer – electronic
Interbank
29 / 55
Announcement for corporate clients
4.4
K&H ACCOUNT PACKAGE FOR GATED HOUSING COMMUNITIES
EFFECTIVE FROM 29 JULY, 2009
E-BANK
TRADITIONAL
CURRENT ACCOUNT AND RENOVATION
CURRENT ACCOUNT AND RENOVATION
ACCOUNT
ACCOUNT
ACCOUNT
NAME OF TYPE OF FEE
Fixed
amount
HUF transfer –
paper based
interbank
BUSINESS TERMINAL
CURRENT ACCOUNT AND RENOVATION
Charge rate Minimum fee
Fixed
amount
Charge rate Minimum fee
Fixed
amount
Charge rate
Minimum fee
-
80 %
87,5 %
-
80 %
87,5 %
-
70 %
70 %
-
86 %
75 %
-
86 %
75 %
-
73 %
75 %
-
75 %
100 %
-
75 %
100 %
-
-
-
Intrabank
-
73 %
62,5 %
-
73 %
62,5 %
-
-
HUF cash in
62,5 %
-
-
62,5 %
-
-
62,5 %
-
-
-
68 %
95 %
-
68 %
95 %
-
68 %
95 %
Intrabank
HUF transfer – electronic
interbank
HUF cash withdrawal
30 / 55
Announcement for corporate clients
4.5
SPECIAL SERVICE PACKAGES
EFFECTIVE FROM 29 JULY, 2009
K&H START BUSINESS
ACCOUNT
K&H AKTÍV BUSINESS
ACCOUNT*
KV DUPLA
K&H E-BANK BUSINESS
PACKAGE
ACCOUNT
NAME OF TYPE OF FEE
Fixed
amount
Charge
rate
Minimum
fee
Fixed
amount
Charge
rate
Minimum
fee
Fixed
amount
Charge
rate
Minimum
fee
Fixed
amount
Charge
rate
Minimum
fee
40 %
-
-
50 %
-
-
80 %
-
-
60 %
-
-
-
120 %
100 %
-
120 %
100 %
-
120 %
100 %
-
125 %
100 %
-
120 %
100 %
-
120 %
100 %
-
120 %
100 %
-
HUF transfer – electronic
Interbank
-
182 %
133 %
-
117 %
111 %
-
100 %
100 %
-
92 %
100 %
Intrabank
HUF cash in
HUF cash withdrawal
-
118 %
100 %
100 %
125 %
100 %
100 %
118 %
100 %
100 %
Optional
125 %
100 %
100 %
-
118 %
100 %
100 %
125 %
100 %
100 %
-
-
-
91 %
100 %
100 %
100 %
100 %
100 %
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 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
K&H corporate e -bank ID device
stoppage
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
Blocked PIN of e-bank ID device lifting
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
Every other card reader annual fee
100 %
-
-
100 %
-
-
100 %
-
-
100 %
-
-
K&H current account management fee
HUF transfer – paper based
Interbank
Intrabank
K&H corporate e-bank ID device annual
fee
K&H corporate e -bank ID device
replacement fee
-
-
31 / 55
146,7 % 100 %
Announcement for corporate clients
III.
1.
SERVICES
NOTICE OF THE K&H SME CUSTOMER SERVICE
VALID FROM: SEPT 18, 2009
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 TPIN / ePIN1 code.
The TeleCenter ID + TPIN identification remains in operation until 31 March 2010.
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 (for those TPIN holders who have one-person signature right)

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/TPIN change
- primary account balance2
- 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.
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.
2
Note:
The old means of identification (8-digit client ID + TPIN) remains in operation concurrently with the new one for six months after the latter’s introduction, providing
access to the usual services.
Once you have switched to the new identification (K&H me-ID + ePIN) you will be able to access an expanded range of services.
32 / 55
Announcement for corporate clients

Telecenter services requiring TPIN/ePIN identification:
- Account services:
- Account balance enquiry,
- Account enquiries, historical monthly account statements,
- HUF standing orders,
- HUF and foreign-currency orders,
- 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.
- Debit and credit card services
-

Telecenter services available without TPIN/ePIN identification:
-

Card information (available amount, spending, etc.),
Card complaints*,
Card replacement,
Card limits,
Branch affiliation and delivery of cards,
Handling of cards not activated by the client.
Card blocking,
TPIN/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,
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)
* 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.
33/55
Announcement for corporate clients
2.
SERVICES OFFERED BY THE K&H CORPORATE CUSTOMER SERVICE
EFFECTIVE: AS OF SEPT 18, 2009
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* (Effective: as
of July 1, 2008)









Replacement of bank cards and PIN code re-ordering* (Effective: as of July 1, 2008)
Activation of bankcard / creditcard
Request, modify or block ePIN codes
Modification of the postal address to be used for sending account statements* (Effective: as of July 1, 2008)
Notification on large-amount cash withdrawals in advance* (Effective: as of July 1, 2008)
Complaint handling
Adding new users or setting account access rights in Electra* (Effective: as of July 1, 2008)
Re-ordering of smart cards in Wise and modification of the number of signers* (Effective: as of July 1, 2008)
Reconcile order batches submitted via Electra or W1SE; provide other information concerning the bank
account
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!
34/55
Announcement for corporate clients
3.
K&H CORPORATE MOBILINFO SERVICES
EFFECTIVE FROM NOV 01, 2009
ON-DEMAND BALANCE INFORMATION
Available
Client SMS format
Bank’s SMS
response is sent
„11XXXX”
„XXXX” stands for the account identification code,
which is automatically generated when the service
application is registered in the system
Inquiry on current balance
all day
Inquiry on bank information
‘1M’ or ‘1m’
Inquiry on account IDs related
to the mobile number
„10”
Immediately after
receipt of the
client’s SMS
AUTOMATIC MESSAGE SENDING
Type of messages automatically sent
by the Bank
Information on the Bank’s products
and services (DM message)
Information on previous day’s
closing balance
SMS is sent by the Bank

Occasionally (unless the client has requested to be excluded from the
recipients’ lists associated with this message type)

In the morning following the EOD closing

Debit (successful)

Notification on collection order
(successful)

In case of deposits made at tellers, immediately after the credit of the
deposited amount to the account
In case of ATM deposits, during business hours, on the day following the
Bank’s approval
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
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
During business hours on the next banking day in case of debiting a payment
initiated during night processing
Immediately after a successful collection
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
Cash deposit

Cash withdrawal


Credit


*
The sending of messages based on bankcard number can be set.
35/55
Announcement for corporate clients
4.
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
Services1
Sending bank messages
Automated text messages
Bankcard usage:
Account holders’ service level
entitlements.
Bankcard usage:
Card holders’ service level
entitlements.
Statement-related information provided
in one message per month.
Use of the credit card by the clients
having account holders’ service level
entitlements.
Change in credit line
Spending over the credit limit
Payments credited to the credit card
account
drops
below
a
Free information message on special
bank offers, products and services
Services
Successful and failed purchase, cash withdrawal from an ATM / from POS following
authorization. The holder of the credit card account may ask to be notified in a text massage
of the transactions of all additional card holders or of additional card holder at all.
At the time of closing the month’s accounts
Successful and failed payment at a POS (purchase), cash withdrawal from an ATM / from
POS following authorization
At end-of-day processing. The fact of changed credit limit, amount of available credit.
Upon credit excess
 Subsequent to crediting the account with the amount of the payment made with the credit
card at a POS
 When transfers arriving at bank opening times are credited
 In the case of crediting transfers arriving in the course of overnight clearance between
7.a.m. and 10 a.m. on the next banking day
When the balance drops below the limit determined at the time of specifying the parameters
of the service
Ad hoc
1
Bank messages
Bank information that may be
requested by the client
Statement-related information 3
The sum of available credit + bank
card limit 3
The available sum up to the bank card
daily bank 4
Interactive messages 2
When can
SMS code to be sent by the client
be
requested
Sending off the Bank’s
reply
22
0-24 round the
clock
Available balance
certain sum
Successful and failed purchase, cash withdrawal from an ATM / from POS following
authorization.
21
Immediately after the client’s
SMS is received
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
Pannon GSM Távközlési
+36209000703
Rt.
To operate the service, the area code must also be indicated as (+36-20) or
Westel Mobil Távközlési
+36302030000
(06-20) before the 7-digit telephone number.
Rt.
V.R.A.M. Távközlési Rt.
+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.
2.
3.
4.
Only the credit card account holder is entitled to request, modify or discontinue credit card Mobilinfo services
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!"
Only a client with account holders’ service level entitlement is authorised to use it.
Only a client with card holders’ service level entitlement is authorised to use it.
36/55
Announcement for corporate clients
K&H BUSINESS CREDITCARD MOBILINFO SERVICES
EFFECTIVE FROM NOV 01, 2009
K&H Business Credit Card Mobilinfo service conditions
Who may be notified of
the given event
Statement-related information (minimum repayment
amount, due date, total credit amount used, arrears)
Available credit + the sum available on the basis of the bank
card daily limit
Sum available trough the bank card
X
X
X
X
X
X
X
X
Option for languages selection
Hungarian, English, German
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.
37/55
SMS
Monthly
X
Free of charge
Notification on changes of the credit line. The fact of
changed credit limit, amount of available credit.
Notification of spending over credit limit.
Notification on payments credited to the credit card
account.
Notification on the available credit line dropping below a
specified sum. Limit can be adjusted.
X
20 HUF/ SMS
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
may ask to be notified in a text message of the transactions of
all co-card holders or of no co-card holder at all.
X
300 HUF/ month
Notification on the use of the own credit card by the card
holder.
(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
credit used, arrears.
Co-card
holder
Free of charge
Account
holder
Fee
Free of
charge
Interactive
messages
Automated text messages
Services*
Other
5.
Announcement for corporate clients
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.

The client has to ensure 102% cover calculated with daily foreign currency exchange selling rate on his HUF current
account in case of foreign currency payment transfer initiated from the HUF current account.

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 14character 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.

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.

Should the branches of the Bank be unable to pay the entire foreign currency amount requested by the client in banknote
(small or fraction amounts) the remainder currency amount shall be paid in HUF converted at the daily foreign currency
exchange middle rate officially listed by the Bank.

In case of a cash withdrawal transaction wished to be performed over the counter at the Bank, any cash withdrawal intention
over the limit amount indicated at the Client area shall have to be indicated in writing two bank working days prior to the
date of the withdrawal. In case of prompt cash withdrawal over the value limit or cash withdrawal before deadline the fee of
prompt cash desk payment shall be charged - independently of the fee items specified in the List.
38/55
Announcement for corporate clients




















A discount shall be deducted at the payment of foreign currency coin, soiled, damaged, incomplete banknotes or banknotes
under withdrawal.
The Bank shall purchase exclusively EUR coins without a limitation of value should its denomination be 1 or 2. A discount
shall be deducted at this payment.
Payment in certain denominations independently of the limit amount shall be performed by the Bank, should the Client
indicate his/her foreign currency withdrawal intention 2 bank days prior to the withdrawal (except for USD). In case of
omitting the previous notification of the branch the payment in foreign currency shall be performed up to the limit if the
actual stock.
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 lumpsum 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.
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 connecti on
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.
39/55
Announcement for corporate clients
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
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
EEA state
Estonia
EE
EEK
Finland – FI
FI
EUR
Aland Islands
FI
EUR
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
(Canary Islands, Ceuta, Melilla)
Sweden
ES
EUR
SE
SEK
Slovakia
SK
EUR
Slovenia
SI
EUR
France
non-EEA-state
Iceland
IS
ISK
Liechtenstein
LI
CHF
NO
NOK
Norway
40/55
Announcement for corporate clients
V.
1.
2.
3.
4.
5.
6.
7.
8.
9.
COMMENTS
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 bank executes the order earliest on the next day order submitted.
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.
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%.
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.
If the Bank issued a certificate about the irrevocable fulfilment of the payment order, the order can not be cancelled on the
subject day. HUF paper-based payment transfer can be cancelled only in that branch-office where the original order was
submitted. If the original order was submitted through Telecenter the HUF payment transfer can be cancelled only through
Telecenter too.The Bank shall accept modification / cancellation of orders via telephone only from clients having a TPINcontract.
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.
Administration charges will be applied in the following cases:
- Unjustified complaint or request for investigation,
- 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).
Notification fee will be applied in the following cases:
- the original payment order is submitted on paper,
- the bank refused the payment order and notified the customer in a paper based notification letter,
- and the notification is sent in a separate.
Postal commission via tariff of Magyar Posta Zrt .
- Paper based account statement (within Hungary): non-priority, standard letter up to 30g, currently HUF 75
- Paper based account statement: (European countries): non-priority, standard letter up to 20g, currently HUF 210
- Paper based account statement: (non-European countries): non-priority, standard letter up to 20g, currently HUF 230
- Card statement: non-priority, standard letter up to 50g, currently HUF 205
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. Bill of exchange handling fee is an additional fee for domestic Bill of exchange only in case of collection, see 4.4 Other fees.
18. 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.
41/55
Announcement for corporate clients
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. 41/1997. (III.5.)

FOREIGN CURRENCY BANK ACCOUNT INTEREST RATES
CURRENCY
USD
EUR
CHF
GBP
SEK
DKK
CAD

INTEREST
RATE (% P.A.)
CURRENCY
INTEREST
RATE (% P.A.)
AUD
JPY
NOK
CZK
SKK
PLN
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.15 %
0.00 %
0.25 %
0.00 %
0.00 %
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!
42/55
Announcement for corporate clients
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
HUF 1 million or above
0.50 %
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. 41/1997. (III.5.).

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
HUF 1 million or above
0.50 %
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. 41/1997. (III.5.).

FOREIGN CURRENCY TERM DEPOSITS
Minimum amount to be deposited
USD 1,000
43/55
Announcement for corporate clients
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. 41/1997. (III.5.).
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
HUF 1 million or above
0.50 %
1.00 %
K&H CASH CUSTODY ACCOUNT
DAILY CLOSING BALANCE
INTEREST RATE (ANNUAL %)=EBKM
below HUF 10 million
HUF 10 million or above
0.50 %
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. 41/1997. (III.5.).
44/55
Announcement for corporate clients
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 NOVEMBER 2009
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. 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.
Payment orders submitted in advance may be cancelled until the Bank’s business day preceding the performance (the debiting of the
item), while orders submitted on the acceptance date may be cancelled based on a special agreement.
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)
Order submitted
Accepted
Debited to the
Client’s account
Credited to the
Beneficiary’s
account
T Day
T+1 Day
T Day
Day T+1
T Day
Day T+1
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
Paper (PFNY10, PFNY11):
During the business hours of the bank branch until 13:00
after 13:00
Electronic:
Around the clock every day of the year: until 17:00 on T Day
after 17:00 on T Day
By telephone (K&H SME customer service):
T Day
T Day
T Day
Around the clock every day of the year: until 17:00 onT Day
T+1 Day
T+1 Day
T+1 Day
after 17:00 on T 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
(depositing cash)
Order submitted
Credited on the Beneficiary’s account
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
Order submitted
Accepted
(depositing cash)
Credited to the
Beneficiary’s account
Exchange rate
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
notification of Giro Zrt.)
Credited to the Beneficiary’s account
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
the Bank of this
T Day
Credited to the Beneficiary’s account
T Day,
within 2 hours of the receipt of the notification of the NBH
45/55
Announcement for corporate clients
Appendix 2
1.2.5. Amounts debited – cash withdrawal without conversion
Order submitted
Accepted
(cash withdrawal)
Debited to the Client’s account
T Day
T Day
During the business hours of the bank branch (cash counter)
1.2.6. Amounts debited – cash withdrawal with conversion
Order submitted
During the business hours of the bank branch
(cash counter)
Accepted
(cash withdrawal)
Debited to the Client’s
account
Exchange rate
T Day
T Day
FCY sell rate
1.2.7. Amounts debited – postal payment order
Order submitted
Accepted
Value date of the
amount debited to the
Client’s account
Starting date of
processing by the
Bank
Paper, electronic (floppy):
During the business hours of the bank branch:
until 10:00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
Electronic (not floppy):
Around the clock every day of the year:
T Day
T+1 Day
until 17:00 on T Day
T+1 Day
T+2 Day
after 17:00 on T Day
Value-dated orders can be submitted electronically maximum 10 calendar days before the performance.
T+1 Day
T+2 Day
1.2.8. Amounts debited – transfer via the Giro system of domestic payments
Order submitted
Accepted
Debited to the Client’s
account
Credited to the NBH
account of the
Beneficiary’s bank (at
the earliest)
Paper (PFNY10, PFNY11):
During the business hours of the bank branch
until 13:00 on T Day
after 13:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T+1 Day
T+2 Day
Electronic:
Around the clock every day of the year:
until 17:00 on T Day
after 17:00 on T Day
T Day
T+1 Day
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
after 17:00 on T Day
T Day
T+1 Day
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
Order submitted
Accepted
Debited to the Client’s account
Credited to the
Beneficiary’s
account
Paper (PFNY10, PFNY11):
During the business hours of the bank branch
until 14.00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day (within 2 hours of the acceptance)
T+1 Day
T Day
T+1 Day
Electronic:
Around the clock every day of the year:
until 15:30 on T Day
after 15:30 on T Day
T Day
T+1 Day
T Day (within 2 hours of the acceptance)
T+1 Day
T Day
T+1 Day
By telephone (K&H SME customer service):
Around the clock every day of the year:
T Day
T Day (within 2 hours of the acceptance)
T Day
until 14:00 on T Day
Day 1
T+1 Day
T+1 Day
after 14:00 on T 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.
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.
46/55
Announcement for corporate clients
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:
T Day
until 17:00 on T Day
T+1 Day
after 17:00 on T Day
Value-dated orders can be electronically submitted 14 calendar days before the performance at the latest.
T Day
T+1 Day
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
after 17:00 on T Day
T Day
T+1 Day
T 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 (PFNY30, PFNY31, PFNY30/A, PFNY31/A or an
order with the same data content):
During the business hours of the bank branch
until 15.00 on T Day
after 15:00 on T Day
T Day
T+1 Day
T+5 Day
T+6 Day
Electronic:
Around the clock every day of the year:
until 17:00 on T Day
after 17:00 on T Day
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
after 17:00 on T Day
T Day
T+1 Day
T+5 Day
T+6 Day
1.4.2. Blocking the performance of direct debit
Order submitted (É: value date of the performance)
Paper:
During the business hours of the bank branch
until 16:00 on É-1 day
Electronic:
Around the clock every day of the year:
until 17:00 on É-1 day
Accepted
Order processed
É-1 day
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
after 15:00 on T Day
T Day
T+1 Day
T+5 Day
T+6 Day
1.4.4. Collection order, authority payment
Order submitted
Accepted
Order processed
T Day
T+1 Day
T Day
T+1 Day
Paper – with an attached document (PFNY40, PFNY41):
During the business hours of the bank branch
until 14.00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T+2 Day
T+3 Day
Electronic (without an attached document):
Around the clock every day of the year:
until 14:00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
Paper – without an attached document (PFNY40, PFNY41, PFNY71):
During the business hours of the bank branch
until 14.00 on T Day
after 14:00 on T Day
47/55
Announcement for corporate clients
Appendix 2
1.4.5. Warrant payment
Order submitted
(Date of postal receipt/delivery: T Day)
During the business hours of the Bank (8:00-16:00)
until 14:00 on T Day
after 14:00 on T Day
Accepted
Order processed
T Day
T+1 Day
T Day
T+1 Day
1.4.6. Refund claim
Order submitted
Accepted
Order processed
T Day
T+1 Day
T+9 Day
T+10 Day
Paper:
During the business hours of the bank branch
until 14:00 on T Day
after 14:00 on T Day
48/55
Announcement for corporate clients
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
Order submitted
Accepted
Debited to the
Client’s account
Credited to the Beneficiary’s
account
Paper:
During the business hours of the bank branch
until 10.00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
Electronic:
Around the clock every day of the year:
until 14:00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T 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
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
2.1.2. With conversion
Order submitted
Accepted
Debited to the
Client’s account
Credited to the
Beneficiary’s
account
Paper:
During the business hours of the bank branch
until 10.00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
FX I
Electronic:
Around the clock every day of the year:
until 14:00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
FX I
By telephone (K&H SME customer service):
Around the clock every day of the year:
until 10:00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T Day
T+1 Day
FX I
2.2.
exchange
rate
Payments from outside the Bank and payments leaving the Bank
2.2.1. Amounts credited – depositing cash
Order submitted
During the business hours of the bank branch
(cash counter)
Accepted
(depositing cash)
Credited to the
Beneficiary’s
account
exchange rate
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
Receiving date of order (T Day)
performance
Credited to the Beneficiary’s account
(É Day = with nostro / vostro value date)
In EEA currency:
until 16.00 on T Day
after 16:00 on T Day
T Day
T+1 Day
É Day
É Day
In non-EEA currency:
until 16.00 on T Day
after 16:00 on T Day
T Day
T+1 Day
É+1Day
É+1Day
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Announcement for corporate clients
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 (T Day)
performance
Credited to the Client’s account
(É Day = with nostro / vostro value date)
In EEA currency:
until 16.00 on T Day
after 16:00 on T Day
T Day
T+1 Day
É Day
É Day
FX I
In non-EEA currency:
until 16.00 on T Day
after 16:00 on T Day
T Day
T+1 Day
T+2 Day (but not earlier than the nostro value date)
T+3 Day (but not earlier than the nostro value date)
FX II
exchange rate
2.2.4. Amounts debited – cash withdrawal
Order submitted
During the business hours of the bank
branch (cash counter)
Accepted
(cash withdrawal)
Debited to the
Client’s account
exchange rate
T Day
T Day
FX I buy rate / FCY sell rate
2.2.5. Amounts debited – transfer without conversion
Accepted
Debited to the
Client’s account
Credited to the nostro
account of the Beneficiary’s
bank at the earliest (FX
value date)
Paper:
During the business hours of the bank branch
until 10.00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T+2 Day
T+3 Day
Electronic:
Around the clock every day of the year:
until 14:00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T+2 Day
T+3 Day
Order submitted
By telephone (K&H SME customer service):
Around the clock every day of the year:
T Day
T Day
until 14:00 on T Day
T+1 Day
T+1 Day
after 14:00 on T Day
FX transfer orders via the SME e-bank cannot be given in Romanian leu (RON) or Turkish lira (TRY).
T+2 Day
T+3 Day
2.2.6. Amounts debited – transfer with conversion
Credited to the
nostro account of
the Beneficiary’s
bank at the earliest
(FX value date)
Exchange
rate
Order submitted
Accepted
Debited to the
Client’s
account
Paper:
During the business hours of the bank branch
until 10.00 on T Day
after 10:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T+2 Day
T+3 Day
FX II
Electronic:
Around the clock every day of the year:
until 14:00 on T Day
after 14:00 on T Day
T Day
T+1 Day
T Day
T+1 Day
T+2 Day
T+3 Day
FX II
T+2 Day
T+3 Day
FX II
By telephone (K&H SME customer service):
Around the clock every day of the year:
T Day
T Day
until 14:00 on T Day
T+1 Day
T+1 Day
after 14:00 on T Day
FX transfer orders via the SME e-bank cannot be given in Romanian leu (RON) or Turkish lira (TRY).
2.2.7 Urgent HUF and urgent FX transfer (with or without conversion)
Order submitted
Accepted
Debited to the
Client’s
account
Credited to the
Beneficiary’s
account
Exchange
rate
Electronic:
Around the clock every day of the year:
T Day
T Day
T Day
until 14:00 on T Day
FX I
T+1 Day
T+1 Day
T+1 Day
after 14:00 on T Day
It can be used with the Electra or W1SE electronic services. An outgoing international urgent FX transfer order can only be given in CAD,
EUR, USD and international HUF currencies.
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Announcement for corporate clients
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 datawarehouse.
•
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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Announcement for corporate clients
Appendix 4
Notice of Payment Title Codes Multiple HUF orders
EFFECTIVE: AS OF JULY 1, 2009
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
Vehicle
Local tax
subtype
“Weight tax”
Vehicle
House tax
Business activity tax
Public works tax
Taxes
Other
Subcontractor fee
Rental fee
Personal
Accident
Other
Life
Combines
Insurance policy loan
Personal property
Pension
Home
CASCO
Mandatory
Mandatory and CASCO
Vehicle
Insurance
Payment at maturity
title code
AGS
AGK
AHA
IPA
KOA
AGY
AVD
BRL
BEB
BEE
BET
BKB
BKK
BLV
BNY
BEO
BGC
BGK
BGX
BLU
(as of April 1, 2009)
Surrender
BVU
(as of April 1, 2009)
Claim settlement
BKU
(as of April 1, 2009)
Other
Health fund
Remuneration for collected
mother’s milk
Orders of the Student Loan
Centre
Livestock
Collect on delivery
Other
Life-annuity
Publisher / distributor
TV
Subscription
Newspaper
Other
Dividend
Securities
HBO
Cable TV
Wire
interest (bond)
Capital (bond)
Other
Child maintenance
Credit
Initial set-up fee
52/55
BGY
EPT
EGY
TEJ
DHK
EFK
UTV
ETJ
KNY
HBO
KTV
ETV
EFU
FGY
EKK
EKT
PGY
GYT
HBJ
Announcement for corporate clients
Collateral management fee
Collateral modification fee
Payment Protection Insurance premium
Commitment fee
Amendment fee
Administration fee
Collateral value revision fee
Collateral value calculation fee
Extraordinary loan account statement fee
Debt assumption fee
Certificate issuance fee
Credit-related technical expert fee
Credit-related subsequent revision fee
Credit
Transfer
Fees, duties
Household
House saving
associations
real estate
Other
Customs
Other
Sewage
fee collector
Renovation. refurbishment
Heating
Gas
Chimney sweep
Shared expenses
Rent
Hot water
Refuse collection
Water treatment fee
Distance heating + hot water
Electricity
Water
Other (e.g. garage or shop rent)
loan disbursement
Interest
Savings
Instalment
Other
Salary
Provision type
family benefit
Food allowance
maternity benefit (GYED)
maternity benefit (GYES)
salary supplement
royalty
sickness benefit
Salary
Family benefits
Salary compliment to persons with
reduced working ability
Allowance for the disabled
Personal allowance for the blind
Deducted from
employee
Other
Assignment fee
suspension of instalment
FOT
VSZ
MHL
MGY
MBD
ELL
EGS
NYP
UGY
Salary + provision
Employer’s
payment
HFK
HFV
BHT
HRT
HSM
HUG
HEF
HEM
HKK
HTA
HIK
HMS
HUE
IAI
IAE
VAM
IGY
CST
DIJ
FUJ
FUT
GAZ
KEM
KTS
LBR
MVZ
SZE
SZV
THO
VIL
VIZ
KGY
LHF
LKA
LME
LTO
LGY
MUN
CSP
ETK
GYD
GYS
ILK
TID
TPZ
CSE
KER
health insurance
pension fund
Other
53/55
Announcement for corporate clients
Unemployment benefit
Pension
Voluntary
Pension fund
payments
Private
Uniform (ordinary. regular)
Supplement
Uniform (ordinary. regular)
Supplement
Other
OJB allowance
Dividend
Regular
Municipality
support
Nursing fee
Debt reduction support
Diabetic aid
One-off enrolment aid
One-off Christmas aid
Children maintenance fee
advance
Medicinal product susidy
Children defensive aid
Aid for payment of arreas
Old age allowance
Income replacement aid
Aid of income replacement for
the unemployed
Social aid of the unemployed
Educational aid
Allowance for pre-school care
Availability allowance
Other
Regular
Municipality
support
Tax
Scholarship
Money transfer
Disability allowance
Supplier’s payment Settlement
obligation
Automobile Club
Membership fees
network/web service
Emergency child protection aid
Social active aid
Social aid
Supplementary family
allowance
Temporary aid
Home maintenance aid
Traffic aid of the handicapped
Tourist tax payable for the time of
stay
Luxury tax
Soil pollution charge
Home creation support
Funeral aid
Development of public utilities
contribution
Building fax
Plot tax
Sewage tax
Tourism tax
Tourism building tax
Tax on income from sales of
arable land
Delay substitute
Penalty
CompuServ
54/55
MNJ
NYG
NOE
NOK
NME
NMK
NGY
OJB
OTK
APD
ACS
CBT
EKB
EKS
GYM
GST
GYV
HKS
IDJ
JPT
MJT
MSZ
NVS
OVT
RAT
RKT
SAS
SZS
KCS
AMS
LFT
MKT
TII
LUX
TTD
OTT
TMS
KFH
EPA
TEA
VKA
IDA
IEA
TFA
KEP
BRS
OSZ
PEA
RKE
SKK
TAK
TCS
Announcement for corporate clients
providers
Internet
International Police Association
TIT
TIP
(as of April 1, 2009)
Tuition fees
Telephone
Allowance
Other
DGY
Tuition
students’ hostel
catering / food
electronic student ID card
Other
Mobil
Wire
Other
TAN
KOL
EEK
DIG
JGY
TEM
TEL
TGY
TED
ELO
THA
Meal allowance
deposit-type
loan
Instalment
“house pre-saving”
Consumer
building/construction
Vehicle
Mortgage bank loan
FX home loan /mortgage loan
Debt rearrangement loan
Lombard
Personal
Other
Refund
Interest
leasing fee
Other
Tax
CASCO bonus
Fee
Damages payment
Insurance. retransfer of received damages
Repurchase
Transfer of repurchase
Retransfer of returned
repurchase
Housing
Other
55/55
THE
TGH
JHT
THD
THT
THL
THS
TOH
TOK
LIZ
RGY
VAD
VCB
VDU
VKF
VKI
VUT
VVU
VLK
VGY