Common use of GENERAL INFORMATION ON THE BANKS FX OPERATIONS Clause in Contracts

GENERAL INFORMATION ON THE BANKS FX OPERATIONS. 2.1. The present General Terms apply to FX Transactions with Value Dates, Today (FX Today) Tomorrow (FX Tomorrow) and Spot (FX Spot). 2.2. Alpha Bank Romania accepts Customer’s Orders in the following ways: i. In person by the Customer (an Individual or a corporate Customer) at the Bank’s Offices. ii. Through the Web Online Banking application. iii. Via other technical means of communication that can be made available to the Customer. iv. Over the telephone on the designated recording lines of the Treasury of the Bank, if he has been granted with direct access to the Bank’s Treasury. 2.3. The Bank publishes on each Banking Day a Foreign Exchange Rates List for various currencies the Bank works with. The list contains foreign exchange rates for the buying or the selling of each foreign currency contained in the list, for cash and non-cash FX Transactions respectively. The published rates of each Banking Day are valid for settlement on the Value Dates mentioned in paragraph 2. 1. The published foreign exchange rates are also referred to as the Official Foreign Exchange Rates of the Bank and are available at the Bank’s Offices on electronic boards as well as from alternative networks such as the Bank’s web site and the Alpha Online Banking service. 2.4. Additionally, the Bank publishes foreign exchange rates on non Banking Days for the Offices with extended working time that may operate on these days. These foreign exchange rates are typically set on the most recent Banking Day. The Official Foreign Exchange Rates are published through the Alpha Online Banking service on non banking days as well. 2.5. On a Banking Day the Bank accepts Customer orders for FX Transactions with any of the means mentioned in paragraph 2.2 for transactions with Value Date Today (FX Today), Value Date Tomorrow (FX Tomorrow) and Spot (FX Spot) the Bank accepts orders until 3:30 pm 2.6. On a non Banking Day the Bank accepts Orders only for FX Transactions at Official Foreign Exchange Rates as follows: i. through the Alpha Online Banking service at any hour or day of the week. ii. At the Bank’s Offices with extended working time that may operate on these days, and within their working hours. 2.7. Depending on the foreign currency market fluctuations and the Banks currency position the Official Foreign Exchange Rates of the Bank are subject to change during the course of each Banking Day. Any change does not apply to already concluded transactions. 2.8. The Official Foreign Exchange Rates of the Bank are Direct Quotes. This means that each FX rate quoted by the Bank represents the amount in the domestic currency Leu (XXX) that can be exchanged for one unit of the foreign currency of each respective currency pair. 2.9. For performing the FX Transactions mentioned in paragraph 2.1, a Foreign Exchange Application Form which constitutes the Order of the Customer to the Bank shall be filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office. The foreign exchange application has a standard format, and is prepared by Alpha Bank Romania. The fulfillment of the Foreign Exchange Application Form is not required when concluding FX transactions through the Alpha Online Banking service. 2.10. In the case of a telephone conversation with the Treasury of the Bank within the context of the present General Terms, they will be electronically recorded, pursuant to the consent granted hereby, as the recording is made in the Customer’s interest as well, since it can be submitted as evidence of the reception and content of the order. As per paragraph 2.9 the Foreign Exchange Application Form constitutes the Order of the Customer to the Bank shall be subsequently filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office .

GENERAL INFORMATION ON THE BANKS FX OPERATIONS. 2.1. The present General Terms apply to FX Transactions with Value Dates, Today (FX Today) Tomorrow (FX Tomorrow) and Spot (FX Spot). 2.2. Alpha Bank Romania accepts Customer’s Orders in the following ways: i. In person by the Customer (an Individual or a corporate Customer) at the Bank’s Offices. ii. Through the Web Online Banking application. iii. Via other technical means of communication that can be made available to the Customer. iv. Over the telephone on the designated recording lines of the Treasury of the Bank, if he has been granted with direct access to the Bank’s Treasury. 2.3. The Bank publishes on each Banking Day a Foreign Exchange Rates List for various currencies the Bank works with. The list contains foreign exchange rates for the buying or the selling of each foreign currency contained in the list, for cash and non-cash FX Transactions respectively. The published rates of each Banking Day are valid for settlement on the Value Dates mentioned in paragraph 2. 1. The published foreign exchange rates are also referred to as the Official Foreign Exchange Rates of the Bank and are available at the Bank’s Offices on electronic boards as well as from alternative networks such as the Bank’s web site and the Alpha Online Banking service. 2.4. Additionally, the Bank publishes foreign exchange rates on non Banking Days for the Offices with extended working time that may operate on these days. These foreign exchange rates are typically set on the most recent Banking Day. The Official Foreign Exchange Rates are published through the Alpha Online Banking service on non banking days as well. 2.5. On a Banking Day the Bank accepts Customer orders for FX Transactions with any of the means mentioned in paragraph 2.2 for transactions with Value Date Today (FX Today), Value Date Tomorrow (FX Tomorrow) and Spot (FX Spot) the Bank accepts orders until 3:30 pm 2.6. On a non Banking Day the Bank accepts Orders only for FX Transactions at Official Foreign Exchange Rates as follows: i. through the Alpha Online Banking service at any hour or day of the week. ii. At the Bank’s Offices with extended working time that may operate on these days, and within their working hours. 2.7. Depending on the foreign currency market fluctuations and the Banks currency position the Official Foreign Exchange Rates of the Bank are subject to change during the course of each Banking Day. Any change does not apply to already concluded transactions. 2.8. The Official Foreign Exchange Rates of the Bank are Direct Quotes. This means that each FX rate quoted by the Bank represents the amount in the domestic currency Leu (XXX) that can be exchanged for one unit of the foreign currency of each respective currency pair. 2.9. For performing the FX Transactions mentioned in paragraph 2.1, a Foreign Exchange Application Form which constitutes the Order of the Customer to the Bank shall be filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office. The foreign exchange application has a standard format, and is prepared by Alpha Bank Romania. The fulfillment of the Foreign Exchange Application Form is not required when concluding FX transactions through the Alpha Online Banking service. 2.10. In the case of a telephone conversation with the Treasury of the Bank within the context of the present General Terms, they will be electronically recorded, pursuant to the consent granted hereby, as the recording is made in the Customer’s interest as well, since it can be submitted as evidence of the reception and content of the order. As per paragraph 2.9 the Foreign Exchange Application Form constitutes the Order of the Customer to the Bank shall be subsequently filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office .the

GENERAL INFORMATION ON THE BANKS FX OPERATIONS. 2.1. The present General Terms apply to FX Transactions with Value Dates, Today (FX Today) Tomorrow (FX Tomorrow) and Spot (FX Spot). 2.2. Alpha Bank Romania accepts Customer’s Orders in the following ways:in i. In person by the Customer (an Individual or a corporate Customer) at the Bank’s Offices. ii. Through the Web Online Banking application. iii. Via other technical means of communication that can be made available to the Customer. iv. Over the telephone on the designated recording lines of the Treasury of the Bank, if he has been granted with direct access to the Bank’s Treasury. 2.3. The Bank publishes on each Banking Day a Foreign Exchange Rates List for various currencies the Bank works with. The list contains foreign exchange rates for the buying or the selling of each foreign currency contained in the list, for cash and non-cash FX Transactions respectively. The published rates of each Banking Day are valid for settlement on the Value Dates mentioned in paragraph 2. 1. The published foreign exchange rates are also referred to as the Official Foreign Exchange Rates of the Bank and are available at the Bank’s Offices on electronic boards as well as from alternative networks such as the Bank’s web site and the Alpha Online Banking service. 2.4. Additionally, the Bank publishes foreign exchange rates on non Banking Days for the Offices with extended working time that may operate on these days. These foreign exchange rates are typically set on the most recent Banking Day. The Official Foreign Exchange Rates are published through the Alpha Online Banking service on non banking days as well.These 2.5. On a Banking Day the Bank accepts Customer orders for FX Transactions with any of the means mentioned in paragraph 2.2 for transactions with Value Date Today (FX Today), Value Date Tomorrow (FX Tomorrow) and Spot (FX Spot) the Bank accepts orders until 3:30 pm 2.6. On a non Banking Day the Bank accepts Orders only for FX Transactions at Official Foreign Exchange Rates as follows: i. through the Alpha Online Banking service at any hour or day of the week. ii. At the Bank’s Offices with extended working time that may operate on these days, and within their working hours. 2.7. Depending on the foreign currency market fluctuations and the Banks currency position the Official Foreign Exchange Rates of the Bank are subject to change during the course of each Banking Day. Any change does not apply to already concluded transactions. 2.8. The Official Foreign Exchange Rates of the Bank are Direct Quotes. This means that each FX rate quoted by the Bank represents the amount in the domestic currency Leu (XXX) that can be exchanged for one unit of the foreign currency of each respective currency pair. 2.9. For performing the FX Transactions mentioned in paragraph 2.1, a Foreign Exchange Application Form which constitutes the Order of the Customer to the Bank shall be filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office. The foreign exchange application has a standard format, and is prepared by Alpha Bank Romania. The fulfillment of the Foreign Exchange Application Form is not required when concluding FX transactions through the Alpha Online Banking service. 2.10. In the case of a telephone conversation with the Treasury of the Bank within the context of the present General Terms, they will be electronically recorded, pursuant to the consent granted hereby, as the recording is made in the Customer’s interest as well, since it can be submitted as evidence of the reception and content of the order. As per paragraph 2.9 the Foreign Exchange Application Form constitutes the Order of the Customer to the Bank shall be subsequently filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office .

GENERAL INFORMATION ON THE BANKS FX OPERATIONS. 2.1. The present General Terms apply to FX Transactions with Value Dates, Today (FX Today) Tomorrow (FX Tomorrow) and Spot (FX Spot). 2.2. Alpha Bank Romania accepts Customer’s Orders in the following ways: i. In person by the Customer (an Individual or a corporate Customer) at the Bank’s Offices. ii. Through the Web Online Banking application. iii. Via other technical means of communication that can be made available to the Customer. iv. Over the telephone on the designated recording lines of the Treasury of the Bank, if he has been granted with direct access to the Bank’s Treasury. 2.3. The Bank publishes on each Banking Day a Foreign Exchange Rates List for various currencies the Bank works with. The list contains foreign exchange rates for the buying or the selling of each foreign currency contained in the list, for cash and non-cash FX Transactions respectively. The published rates of each Banking Day are valid for settlement on the Value Dates mentioned in paragraph 2. 1. The published foreign exchange rates are also referred to as the Official Foreign Exchange Rates of the Bank and are available at the Bank’s Offices on electronic boards as well as from alternative networks such as the Bank’s web site and the Alpha Online Banking service. 2.4. Additionally, the Bank publishes foreign exchange rates on non Banking Days for the Offices with extended working time that may operate on these days. These foreign exchange rates are typically set on the most recent Banking Day. The Official Foreign Exchange Rates are published through the Alpha Online Banking service on non banking days as well. 2.5. On a Banking Day the Bank accepts Customer orders for FX Transactions with any of the means mentioned in paragraph 2.2 for transactions with Value Date Today (FX Today), Value Date Tomorrow (FX Tomorrow) and Spot (FX Spot) the Bank accepts orders until 3:30 pmpm‌ 2.6. On a non Banking Day the Bank accepts Orders only for FX Transactions at Official Foreign Exchange Rates as follows: i. through the Alpha Online Banking service at any hour or day of the week. ii. At the Bank’s Offices with extended working time that may operate on these days, and within their working hours. 2.7. Depending on the foreign currency market fluctuations and the Banks currency position the Official Foreign Exchange Rates of the Bank are subject to change during the course of each Banking Day. Any change does not apply to already concluded transactions. 2.8. The Official Foreign Exchange Rates of the Bank are Direct Quotes. This means that each FX rate quoted by the Bank represents the amount in the domestic currency Leu (XXX) that can be exchanged for one unit of the foreign currency of each respective currency pair. 2.9. For performing the FX Transactions mentioned in paragraph 2.1, a Foreign Exchange Application Form which constitutes the Order of the Customer to the Bank shall be filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office. The foreign exchange application has a standard format, and is prepared by Alpha Bank Romania. The fulfillment of the Foreign Exchange Application Form is not required when concluding FX transactions through the Alpha Online Banking service.service.‌ 2.10. In the case of a telephone conversation with the Treasury of the Bank within the context of the present General Terms, they will be electronically recorded, pursuant to the consent granted hereby, as the recording is made in the Customer’s interest as well, since it can be submitted as evidence of the reception and content of the order. As per paragraph 2.9 the Foreign Exchange Application Form constitutes the Order of the Customer to the Bank shall be subsequently filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office .

GENERAL INFORMATION ON THE BANKS FX OPERATIONS. 2.1. The present General Terms apply to FX Transactions with Value Dates, Today (FX Today) Tomorrow (FX Tomorrow) and Spot (FX Spot). 2.2. Alpha Bank Romania accepts Customer’s Orders in the following ways: i. In person by the Customer (an Individual or a corporate Customer) at the Bank’s Offices. ii. Through the Web Online Banking application. iii. Via other technical means of communication that can be made available to the Customer. iv. Over the telephone on the designated recording lines of the Treasury of the Bank, if he has been granted with direct access to the Bank’s Treasury. 2.3. The Bank publishes on each Banking Day a Foreign Exchange Rates List for various currencies the Bank works with. The list contains foreign exchange rates for the buying or the selling of each foreign currency contained in the list, for cash and non-cash FX Transactions respectively. The published rates of each Banking Day are valid for settlement on the Value Dates mentioned in paragraph 2. 1. The published foreign exchange rates are also referred to as the Official Foreign Exchange Rates of the Bank and are available at the Bank’s Offices on electronic boards as well as from alternative networks such as the Bank’s web site and the Alpha Online Banking service. 2.4. Additionally, the Bank publishes foreign exchange rates on non Banking Days for the Offices with extended working time that may operate on these days. These foreign exchange rates are typically set on the most recent Banking Day. The Official Foreign Exchange Rates are published through the Alpha Online Banking service on non banking days as well.These 2.5. On a Banking Day the Bank accepts Customer orders for FX Transactions with any of the means mentioned in paragraph 2.2 for transactions with Value Date Today (FX Today), Value Date Tomorrow (FX Tomorrow) and Spot (FX Spot) the Bank accepts orders until 3:30 pmpm‌ 2.6. On a non Banking Day the Bank accepts Orders only for FX Transactions at Official Foreign Exchange Rates as follows: i. through the Alpha Online Banking service at any hour or day of the week. ii. At the Bank’s Offices with extended working time that may operate on these days, and within their working hours. 2.7. Depending on the foreign currency market fluctuations and the Banks currency position the Official Foreign Exchange Rates of the Bank are subject to change during the course of each Banking Day. Any change does not apply to already concluded transactions.transactions.‌ 2.8. The Official Foreign Exchange Rates of the Bank are Direct Quotes. This means that each FX rate quoted by the Bank represents the amount in the domestic currency Leu (XXX) that can be exchanged for one unit of the foreign currency of each respective currency pair. 2.9. For performing the FX Transactions mentioned in paragraph 2.1, a Foreign Exchange Application Form which constitutes the Order of the Customer to the Bank shall be filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office. The foreign exchange application has a standard format, and is prepared by Alpha Bank Romania. The fulfillment of the Foreign Exchange Application Form is not required when concluding FX transactions through the Alpha Online Banking service.service.‌ 2.10. In the case of a telephone conversation with the Treasury of the Bank within the context of the present General Terms, they will be electronically recorded, pursuant to the consent granted hereby, as the recording is made in the Customer’s interest as well, since it can be submitted as evidence of the reception and content of the order. As per paragraph 2.9 the Foreign Exchange Application Form constitutes the Order of the Customer to the Bank shall be subsequently filled in and signed by the Customer or his legally authorized representatives and shall be handled at the respective Bank’s Office .