The firstPremiumBankingservice in Romania.

From now on the world really revolves around you! What does Premium Banking package Your prize, mean to you? the Premium Banking package!

Because we want you to benefit from services tailored to your needs, we created Raiffeisen acknowledges the value of its customers and offers you the an extensive package that gives you access to a personal banker, exclusive debit possibility to benefit from zero monthly fee for the Premium Banking package. and cards, the mobility of transactions made from anywhere via mobile and internet banking, as well as complete for you and your family.

? We are here for you Which are the benefits of Premium Banking package? • For more information about the Premium Banking package, please contact us at the number dedicated to premium customers, 0800 811 111, or we invite you in our agencies to discuss more with your personal banker. Simplicity – we have eliminated the cost for a wide range of transactions and bank transfers as well as for the access to various banking products and services. • Choose the Premium Banking package now.

Comfort – you have various ways for permanent access to your accounts and carrying out transactions in safety and comfort, such as: internet and mobile banking, MasterCard Gold Premium contactless debit card, remote trading services and SMS alerts.

Exclusivity – you benefit free of charge, for life, from the MasterCard Gold credit card, which you can use anywhere in the world, even for interest free installment payments. In addition, the card includes a complete travel insurance package for you and your family, without activation condition.

Efficiency – the monthly cost of the package is unique and can be zero. Benefits Cost MasterCard Gold contactless credit card in RON Annual fee, if the preferential pricing policies for the Zero Premium Banking package are met on a monthly basis MasterCard Gold Premium contactless debit card in RON Issuing charge, monthly administration and renewal Zero fee, balance inquiry fee at Raiffeisen Bank EPOS cashier’s desk, Raiffeisen Bank ATM withdrawal Cash withdrawal fee in ATM networks of other Zero in Romania using principal/additional debit cards Cash withdrawal fee from Raiffeisen Bank EPOS 0.25% minimum 5 RON cashier’s desk Debit cards in RON and foreign currency ATM daily cash withdrawal limit RON 10,000 or the card currency equivalent Debit Card in EUR or USD* The Premium Banking package of Annual administration fee Zero banking products and services. Initial issue fee Zero Renewal fee Zero Standard price: RON 60/month Current accounts Preferential price: RON 0/month, every month when is fulfilled at Monthly administration fee for second RON account Zero least one of the following conditions: and all current accounts in foreign curency • minimum EUR 2,000 monthly average revenue in the last 3 calendar months; Overdraft attached to your Premium RON 0% per year, for the overdraft facility current account attached to the current account, up to RON 500 used • EUR 40,000 average assets under management with Raiffeisen Group Romania in the last month. RON incoming payments for all current accounts Zero Savings Accounts Monthly administration fee (applicable for RON and Zero foreign currency accounts) Raiffeisen Online and Raiffeisen Smart Mobile (internet and mobile banking) Monthly administration fee Zero Interbank RON transfer and Zero Interbank foreign currency transfer** SmartTel – SMS alert service Subscription and received SMS Zero Debit Direct ConfortaBill (automatic direct debit service) Monthly fee/payment Zero Raiffeisen Direct Top (extended phone banking service) Monthly administration fee Zero Raiffeisen Direct (phone banking service) Monthly administration fee Zero

Intrabank and Interbank RON transfer Zero Your Insurance (accident insurance, up to EUR 10,000 coverage) Monthly Premium insurance Zero *Valid for only one debit card in foreign currency: either EUR or USD. **In the case of foreign currency transactions, the gratuity is offered for the internal commission for foreign currency payments. This document does not have the role of a contract. Please ask for support in our agencies, from the personal banker, regarding complete and updated information on the contracts governing this product. 0800 811 111 Non-stop program Toll free number in Telekom Romania network. www.raiffeisenpremium.ro www.raiffeisen.ro SKU 111.1.1 Charges and fees for the use of Raiffeisen Online and Smart Mobile Standard For Premium Banking package holders Monthly Smart Mobile subscription RON 0 RON 0 Monthly Raiffeisen Online subscription RON 4 RON 0 Raiffeisen Online card replacement charge RON 5 RON 5 Charge for not returning the card reader upon termination RON 10 RON 10 of the agreement Charge for taking out of service a card reader reported lost/stolen/damaged, without applying for a new one RON 10 RON 10 Monthly management charge for additional card reader for each additional card reader RON 2 RON 2 Payment operations in RON Between the accounts of the same customer RON 0 RON 0 Between the bank's customers Payments made following the execution of a RON 2.5, for payments ≤ RON 100 RON 2.5, for payments ≤ RON 100 deduction directive communicated to the bank by an executive authority (of judiciary/fiscal nature) RON 20, for payments > RON 100 RON 20, for payments > RON 100 up to RON 499.99 RON 1 RON 0 above RON 500 RON 3 RON 0 Interbanking Payments made following the execution of a RON, 2.5 for payments ≤ RON 100 RON 2.5, for payments ≤ RON 100 deduction directive communicated to the bank by an executive authority (of judiciary/fiscal nature) RON 20, for payments > RON 100 RON 20, for payments > RON 100 RON 2, with additional fees charged up to RON 499.99 by the National Bank of Romania/ RON 0 Transfond per payment operation RON 4, with additional fees charged above RON 500 by the National Bank of Romania/ RON 0 Transfond per payment operation Cancellation of of payment for interbanking RON 10 payments in RON RON 10 Reporting non-receipt by the beneficiary of the amount ordered RON 10 RON 10 for interbanking payments in RON External payments in RON 0.13%: min. RON 50, max. 750 RON RON 0 ConfortaBill Service (direct debiting) RON 1.5/payment RON 1.5/payment Payment operations in foreign currency

Between the accounts of the same customer RON 0 RON 0

Between bank's customers RON 0 RON 0 Interbanking 0.10%: min. EUR 10 max. EUR 500, RON 0 plus SWIFT charges plus SWIFT charges SWIFT charges* EUR 10/message EUR 10/message Additional emergency charge (priority today or tomorrow) EUR 50 EUR 50

Standard external commission EUR 20 EUR 20

Electronic payments between accounts opened 0.08%: min. EUR 8 max. EUR 400, RON 0 plus SWIFT charges with banks in Raiffeisen Bank International Group plus SWIFT charges Additional emergency charge, priority today or tomorrow, for Raiffeisen Bank intragroup payments EUR 0 EUR 0 Cancellation of external payment made in foreign currency EUR 25 EUR 25

Cancellation of external payment not made in foreign currency EUR 5 EUR 5

Amendment of the instruction for external payment made in EUR 20 EUR 20 foreign currency Amendment of the instruction for external payment not made EUR 5 EUR 5 in foreign currency Investigation fee EUR 25 EUR 25 *SWIFT fees are not charged for payments in Euro, if the service provider of the payee is in an EU/EEA (European Economic Area) country and uses a SEPA scheme ("Single Euro Payments Area"). This document does not stand for a contract. The complete and updated list of the charges, commissions and fees is available in any Raiffeisen Bank unit. The personal banker is at your disposal with complete information regarding the charges implied by the ownership of internet and mobile services from Raiffeisen Bank, provided the prior holding of the Premium package.