Common use of Valid Clause in Contracts

Valid. with respect to loans disbursed between 16 March 2017 and 1 June 2017, and respect to applications for basic requirement investigation submitted between 2 June 2017 and September 2017. Products to which the discount relates: • CIB 'Előrelépő' Personal Loan if the loan purpose is: General use (for other personal expenses) Type of condition to which the discount relates Extent of discount Duration of the discount Annual standard transaction interest 6% off the annual transaction interest rate the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the loan application • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner, and • the debtor provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. The discount related to the CIB EASY Personal Loan may not be combined with a discount pertaining to any other personal loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 14.00% The APR above includes the interest discount available in the CIB EASY discount program. The latest terms and conditions are contained in the effective List of Conditions pertaining to CIB ‘Előrelépő’ Personal Loans for private individuals. Discount relating to credit cards (Valid: with respect to credit cards applied for on or after 1 July 2021) Products to which the discount relates: • CIB Optimum Credit Card (former name: CIB Café Credit Card) • CIB MasterCard Gold Credit Card Type of fee to which the discount relates Extent of discount Annual fee for main card in the first year 100% Annual fee for supplementary card in the first year 100% An additional condition of eligibility, other than the basic condition, is that at the time of the credit card application: • The main card-holder applicant is in an employment relationship with the Partner • The Main Card Holder provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. APR: HUF 375,000 with a 3-year term, in the case of a CIB Optimum Credit Card: 37.59% APR: HUF 795,000 with a 3-year term, in the case of a CIB MasterCard Gold Credit Card: 40.26% The APR does not include the main and supplementary card annual fee discount available in the CIB EASY discount program. The credit card is classed as a credit facility subject to variable repayment instalments. The latest terms and conditions are contained in the effective List of Conditions relating to the CIB Optimum Credit Card, and in the case of the CIB MasterCard Gold, in the List of Conditions entitled “ ”CIB Mastercard Standard and Gold Credit Card for Private Individuals” Discount relating to financial leasing Products to which the discount applies: • Closed-end financial leasing Type of condition to which the discount applies Extent of the discount Duration of the discount Annual standard transaction interest 0.6% off the annual transaction interest the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the financial leasing application: • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner • the debtor gives consent to the disclosure of its positive CCIS (Central Credit Information System) data APR in case of variable interest rate: HUF 500,000 with a 3-year term: 18.59% - 36.77% and HUF 3 million with a 5-year term: 18.59% - 36.77%. APR in case of fixed interest rate: HUF 500,000 with a 3-year term: 13.17% - 36.77% and HUF 3 million with a 5-year term: 13.17% - 36.77%. As the key intermediary of CIB Lízing Zrt., CIB Bank Zrt. acts in relation to the financial leasing arrangements. Oversight authority proceeding in respect of CIB Bank Zrt.’s agency activity: National Bank of Hungary (MNB), address:0000, Xxxxxxxx, Xxxxxxxxx xxx. 00.. The MNB maintains data on CIB Bank Zrt. as required by the Act on Credit Institutions and Financial Enterprises (Hpt.). This data can be accessed and checked by anyone, on the website xxx.xxx.xx . CIB Bank Zrt. acts for and on behalf of the financial institution CIB Lízing Zrt., and represents the client’s interests. CIB Bank Zrt. may only receive fees for its agency activity from CIB Lízing Zrt., its client. The APR value indicated here contains the interest discount available in the CIB EASY discount programme. This notice is not exhaustive; more extensive information is included in the customer notices, CIB Lízing Zrt.’s business regulations (on closed-end and open-end financial leasing and closed-end lease-back arrangements for personal and light commercial vehicles) containing the General Terms and Conditions, while the related fees, costs and applied interest rates are included in the interest notices and announcements relating to the individual financial services, which can be found on the website xxx.xxxxxxxxx.xx . Discount relating to AEGON Building Society (Sales of AEGON Building Society will be discontinued from 24 September 2018.) Valid: with respect to savings plans applied for on or after 1 July 2017 Product to which the discount relates:

Valid. with respect to loans disbursed between 16 March 2017 and 1 June 2017, and respect to applications for basic requirement investigation submitted between 2 June 2017 and September 2017. Products to which the discount relates: • CIB 'Előrelépő' Personal Loan if the loan purpose is: General use (for other personal expenses) Type of condition to which the discount relates Extent of discount Duration of the discount Annual standard transaction interest 6% off the annual transaction interest rate the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the loan application • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner, and • the debtor provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. The discount related to the CIB EASY Personal Loan may not be combined with a discount pertaining to any other personal loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 14.00% The APR above includes the interest discount available in the CIB EASY discount program. The latest terms and conditions are contained in the effective List of Conditions pertaining to CIB ‘Előrelépő’ Personal Loans for private individuals. Discount relating to credit cards (Valid: with respect to credit cards applied for on or after 1 July 2021) Products to which the discount relates: • CIB Optimum Credit Card (former name: CIB Café Credit Card) • CIB MasterCard Gold Credit Card Type of fee to which the discount relates Extent of discount Annual fee for main card in the first year 100% Annual fee for supplementary card in the first year 100% An additional condition of eligibility, other than the basic condition, is that at the time of the credit card application: • The main card-holder applicant is in an employment relationship with the Partner • The Main Card Holder provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. APR: HUF 375,000 with a 3-year term, in the case of a CIB Optimum Credit Card: 37.59% APR: HUF 795,000 with a 3-year term, in the case of a CIB MasterCard Gold Credit Card: 40.26% The APR does not include the main and supplementary card annual fee discount available in the CIB EASY discount program. The credit card is classed as a credit facility subject to variable repayment instalments. The latest terms and conditions are contained in the effective List of Conditions relating to the CIB Optimum Credit Card, and in the case of the CIB MasterCard Gold, in the List of Conditions entitled “ ”CIB Mastercard Standard and Gold Credit Card for Private Individuals” Discount relating to financial leasing Products to which the discount applies: • Closed-end financial leasing Type of condition to which the discount applies Extent of the discount Duration of the discount Annual standard transaction interest 0.6% off the annual transaction interest the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the financial leasing application: • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner • the debtor gives consent to the disclosure of its positive CCIS (Central Credit Information System) data APR in case of variable interest rate: HUF 500,000 with a 3-year term: 18.598,17% - 36.7730,49% and HUF 3 million with a 5-year term: 18.598,17% - 36.7730,49%. APR in case of fixed interest rate: HUF 500,000 with a 3-year term: 13.177,64% - 36.7730,49% and HUF 3 million with a 5-year term: 13.177,64% - 36.7730,49%. As the key intermediary of CIB Lízing Zrt., CIB Bank Zrt. acts in relation to the financial leasing arrangements. Oversight authority proceeding in respect of CIB Bank Zrt.’s agency activity: National Bank of Hungary (MNB), address:0000, Xxxxxxxx, Xxxxxxxxx xxx. 00.. The MNB maintains data on CIB Bank Zrt. as required by the Act on Credit Institutions and Financial Enterprises (Hpt.). This data can be accessed and checked by anyone, on the website xxx.xxx.xx . CIB Bank Zrt. acts for and on behalf of the financial institution CIB Lízing Zrt., and represents the client’s interests. CIB Bank Zrt. may only receive fees for its agency activity from CIB Lízing Zrt., its client. The APR value indicated here contains the interest discount available in the CIB EASY discount programme. This notice is not exhaustive; more extensive information is included in the customer notices, CIB Lízing Zrt.’s business regulations (on closed-end and open-end financial leasing and closed-end lease-back arrangements for personal and light commercial vehicles) containing the General Terms and Conditions, while the related fees, costs and applied interest rates are included in the interest notices and announcements relating to the individual financial services, which can be found on the website xxx.xxxxxxxxx.xx . Discount relating to AEGON Building Society (Sales of AEGON Building Society will be discontinued from 24 September 2018.) Valid: with respect to savings plans applied for on or after 1 July 2017 Product to which the discount relates:

Valid. with respect to loans disbursed between 16 March 2017 and 1 June 2017, and respect to applications for basic requirement investigation submitted between 2 June 2017 and September 2017. Products to which the discount relates: • CIB 'Előrelépő' Personal Loan if the loan purpose is: General use (for other personal expenses) Type of condition to which the discount relates Extent of discount Duration of the discount Annual standard transaction interest 6% off the annual transaction interest rate the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the loan application • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner, and • the debtor provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. The discount related to the CIB EASY Personal Loan may not be combined with a discount pertaining to any other personal loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 14.00% The APR above includes the interest discount available in the CIB EASY discount program. The latest terms and conditions are contained in the effective List of Conditions pertaining to CIB ‘Előrelépő’ Personal Loans for private individuals. Discount relating to credit cards (Valid: with respect to credit cards applied for on or after 1 July 2021) Products to which the discount relates: • CIB Optimum Credit Card (former name: CIB Café Credit Card) • CIB MasterCard Gold Credit Card Type of fee to which the discount relates Extent of discount Annual fee for main card in the first year 100% Annual fee for supplementary card in the first year 100% An additional condition of eligibility, other than the basic condition, is that at the time of the credit card application: • The main card-holder applicant is in an employment relationship with the Partner • The Main Card Holder provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. APR: HUF 375,000 with a 3-year term, in the case of a CIB Optimum Credit Card: 37.5937.18% APR: HUF 795,000 with a 3-year term, in the case of a CIB MasterCard Gold Credit Card: 40.2639.58% The APR does not include the main and supplementary card annual fee discount available in the CIB EASY discount program. The credit card is classed as a credit facility subject to variable repayment instalments. The latest terms and conditions are contained in the effective List of Conditions relating to the CIB Optimum Credit Card, and in the case of the CIB MasterCard Gold, in the List of Conditions entitled “ ”CIB Mastercard Standard and Gold Credit Card for Private Individuals” Discount relating to financial leasing Products to which the discount applies: • Closed-end financial leasing Type of condition to which the discount applies Extent of the discount Duration of the discount Annual standard transaction interest 0.6% off the annual transaction interest the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the financial leasing application: • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner • the debtor gives consent to the disclosure of its positive CCIS (Central Credit Information System) data APR in case of variable interest rateAPR: HUF 500,000 with a 3-year term: 18.597,19% - 36.7725,5% and HUF 3 million with a 5-year term: 18.597,19% - 36.77%. APR in case of fixed interest rate: HUF 500,000 with a 3-year term: 13.1725,5% - 36.77% and HUF 3 million with a 5-year term: 13.17% - 36.77%. As the key intermediary of CIB Lízing Zrt., CIB Bank Zrt. acts in relation to the financial leasing arrangements. Oversight authority proceeding in respect of CIB Bank Zrt.’s agency activity: National Bank of Hungary (MNB), address:0000, Xxxxxxxx, Xxxxxxxxx xxx. 00.. The MNB maintains data on CIB Bank Zrt. as required by the Act on Credit Institutions and Financial Enterprises (Hpt.). This data can be accessed and checked by anyone, on the website xxx.xxx.xx . CIB Bank Zrt. acts for and on behalf of the financial institution CIB Lízing Zrt., and represents the client’s interests. CIB Bank Zrt. may only receive fees for its agency activity from CIB Lízing Zrt., its client. The APR value indicated here contains the interest discount available in the CIB EASY discount programme. This notice is not exhaustive; more extensive information is included in the customer notices, CIB Lízing Zrt.’s business regulations (on closed-end and open-end financial leasing and closed-end lease-back arrangements for personal and light commercial vehicles) containing the General Terms and Conditions, while the related fees, costs and applied interest rates are included in the interest notices and announcements relating to the individual financial services, which can be found on the website xxx.xxxxxxxxx.xx . Discount relating to AEGON Building Society (Sales of AEGON Building Society will be discontinued from 24 September 2018.) Valid: with respect to savings plans applied for on or after 1 July 2017 Product to which the discount relates:

Valid. with respect to loans disbursed between 16 March 2017 and 1 June 2017, and respect to applications for basic requirement investigation submitted between 2 June 2017 and September 2017. Products to which the discount relates: • CIB 'Előrelépő' Personal Loan if the loan purpose is: General use (for other personal expenses) Type of condition to which the discount relates Extent of discount Duration of the discount Annual standard transaction interest 6% off the annual transaction interest rate the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the loan application • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner, and • the debtor provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. The discount related to the CIB EASY Personal Loan may not be combined with a discount pertaining to any other personal loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 14.00% The APR above includes the interest discount available in the CIB EASY discount program. The latest terms and conditions are contained in the effective List of Conditions pertaining to CIB ‘Előrelépő’ Personal Loans for private individuals. Discount relating to credit cards (Valid: with respect to credit cards applied for on or after 1 July 2021) Products to which the discount relates: • CIB Optimum Credit Card (former name: CIB Café Credit Card) • CIB MasterCard Gold Credit Card Type of fee to which the discount relates Extent of discount Annual fee for main card in the first year 100% Annual fee for supplementary card in the first year 100% An additional condition of eligibility, other than the basic condition, is that at the time of the credit card application: • The main card-holder applicant is in an employment relationship with the Partner • The Main Card Holder provides evidence of his/her employment relationship with the Partner through a declaration made on the application form submitted with the request. APR: HUF 375,000 with a 3-year term, in the case of a CIB Optimum Credit Card: 37.5937.18% APR: HUF 795,000 with a 3-year term, in the case of a CIB MasterCard Gold Credit Card: 40.2639.58% The APR does not include the main and supplementary card annual fee discount available in the CIB EASY discount program. The credit card is classed as a credit facility subject to variable repayment instalments. The latest terms and conditions are contained in the effective List of Conditions relating to the CIB Optimum Credit Card, and in the case of the CIB MasterCard Gold, in the List of Conditions entitled “ ”CIB Mastercard Standard and Gold Credit Card for Private Individuals” Discount relating to financial leasing Products to which the discount applies: • Closed-end financial leasing Type of condition to which the discount applies Extent of the discount Duration of the discount Annual standard transaction interest 0.6% off the annual transaction interest the entire term An additional condition of eligibility, other than the basic condition, is that at the time of the financial leasing application: • the debtor (not the co-debtor) applicant is in an employment relationship with the Partner • the debtor gives consent to the disclosure of its positive CCIS (Central Credit Information System) data APR in case of variable interest rate: HUF 500,000 with a 3-year term: 18.59% - 36.77% and HUF 3 million with a 5-year term: 18.59% - 36.77%. APR in case of fixed interest rate: HUF 500,000 with a 3-year term: 13.17% - 36.77% and HUF 3 million with a 5-year term: 13.17% - 36.77%. As the key intermediary of CIB Lízing Zrt., CIB Bank Zrt. acts in relation to the financial leasing arrangements. Oversight authority proceeding in respect of CIB Bank Zrt.’s agency activity: National Bank of Hungary (MNB), address:0000, Xxxxxxxx, Xxxxxxxxx xxx. 00.. The MNB maintains data on CIB Bank Zrt. as required by the Act on Credit Institutions and Financial Enterprises (Hpt.). This data can be accessed and checked by anyone, on the website xxx.xxx.xx . CIB Bank Zrt. acts for and on behalf of the financial institution CIB Lízing Zrt., and represents the client’s interests. CIB Bank Zrt. may only receive fees for its agency activity from CIB Lízing Zrt., its client. The APR value indicated here contains the interest discount available in the CIB EASY discount programme. This notice is not exhaustive; more extensive information is included in the customer notices, CIB Lízing Zrt.’s business regulations (on closed-end and open-end financial leasing and closed-end lease-back arrangements for personal and light commercial vehicles) containing the General Terms and Conditions, while the related fees, costs and applied interest rates are included in the interest notices and announcements relating to the individual financial services, which can be found on the website xxx.xxxxxxxxx.xx . Discount relating to AEGON Building Society (Sales of AEGON Building Society will be discontinued from 24 September 2018.) Valid: with respect to savings plans applied for on or after 1 July 2017 Product to which the discount relates: