INFORMATION about transfer orders incurring “Extra transfer fees for transfer orders with missing or incorrect data”

Incorrect SWIFT / BIC

Cause of error: - The SWIFT/BIC code is missing, and the name and address of the bank is indicated only in words - The SWIFT/BIC code is indicated but not in the appropriate field but in the rows left for the bank’s name and address, or the rows of the sender’s message to the beneficiary, which are free-format rows and hence cannot be interpreted by the systems automatically. - The SWIFT/BIC code is indicated but incorrectly.

How can you avoid this error? - This information has to be indicated on the invoices incoming from partners more and more often, since it is vital information in international money transfers. Thus, it is in the interest of your partners as well to indicate this on the invoices or other documents in which they ask for transfers from their clients. - Should there be no such information on the invoice, please ask from your partners for their bank’s SWIFT/BIC code. Every bank has to specify their SWIFT/BIC code on their bank account statements or announce it to their clients upon request, so your partners have to be able to provide you with this information. - SWIFT/BIC codes may only consist of 8 or 11 characters, and any length other than these are incorrect. - SWIFT/BIC codes may be searched by the name of the bank on the http://www.swift.com/bsl webpage. - Please enter the correct SWIFT code you have been provided with only in the field where the SWIFT/BIC code has to be indicated.

Incorrect IBAN – in the “Beneficiary’s bank account number” field an incorrect International Bank Account Number (IBAN) has been entered.

Cause of error: - It was not the IBAN that was indicated as the bank account number of the beneficiary when making a transfer to a country using IBAN - IBAN was entered in another field (Bank ID or Bank’s name, address or the rows of the sender’s message to the beneficiary, which are free-format rows and hence cannot be interpreted by the beneficiary’s bank automatically) - The IBAN was indicated, but some unnecessary information or characters were also added (e.g. “IBAN”, “BIZ”, etc. is added before it) - The IBAN was entered but incorrectly (numbers might be left out, added or mistyped)

How can you avoid this error? - The IBAN has to be indicated on the invoices incoming from partners, since it is vital information in international money transfers (especially in Europe). Thus, it is in the interest of your partners as well to indicate this on the invoices or other documents in which they ask for transfers from their clients. - Should there be no such information on the invoice, please ask from your partners for the IBAN of their account where they would like the money to be sent. The IBAN numbers are used in every EU country and in several other countries, and every bank has to specify the IBAN on their bank account statements, so your partners have to be able to provide you with this information. - The IBAN format and the number of characters contained are defined by each country, and it also has a 2-digit verification number by which the banks verify them. This information package contains a list about countries using IBAN at present, and the format of such numbers. If you compare there with the information entered in the transaction orders, the differences will be apparent immediately.

- We suggest that you check the IBAN format using our IBAN verifier located at our webpage www.unicreditbank.hu . - Please enter the correct IBAN you have been provided with only in the field where the IBAN has to be indicated. Every electronic system we have will tell you immediately if the IBAN entered is correct or not.

Incorrect Bank ID

Cause of error: - Unnecessary specification of Bank ID in cases when the IBAN would be sufficient. - The Bank ID is entered with the incorrect prefix (e.g. BIZ instead of BL). - The IBAN is incorrectly entered in the Bank ID field instead of the “Beneficiary’s bank account number” field.

How can you avoid this error? - Nearly 70-80% of our clients’ transactions are directed at countries where the IBAN is used. Hence, indicating the SWIFT/BIC codes and the Beneficiary’s IBAN is necessary and sufficient to perform orders. If the transfer is directed into a country which uses the IBAN, please always give the SWIFT/BIC code and the IBAN, and leave he Bank ID field empty. - Bank IDs are defined only for certain countries, and their form is strictly defined and should be adhered to according to the table attached here. Please find a summary of the correct IDs and their format in the table below.

On the pages that follow we would like to offer more help to you on how to fill out accurately our foreign currency transfer screens of our electronic banking software.

Yours sincerely,

UniCredit Bank Hungary Zrt.

Spectra, Spectra Light

In the Spectra and SpectraLight systems the programs fill out the IBAN field automatically if you enter a correct IBAN in the bank account field. (You may use spaces between 4-digit groups)

SpectraNet Light and SpectraNet Plusz

In the SpectraNet Light and the SpectraNet Plus systems, when an existing and correct IBAN is entered in the bank account field the program will indicate, above the bank account number, if the account number entered is an “IBAN account number” or “Not an IBAN account no.”

MultiCash – when using the HUA module:

Please leave the Beneficiary account number field empty, and after selecting “IBAN” enter the IBAN number (continuously, without spaces or the IBAN prefix). You may only store and close the Beneficiary info if the IBAN meets the requirements.

MultiCash – when using the MT100 module:

Please enter the IBAN account number (continuously, without spaces or the IBAN prefix) in the PARTNER account number field, then choose the “IBAN” option. You may only store and close the Partner info if the IBAN meets the requirements.

Countries using IBAN and their IBAN formats

Country Electronic account no. format No. of (examples) characters Albania AL47212110090000000235698741 28 Andorra AD1200012030200359100100 24 Austria AT611904300234573201 20 Republic of Azerbaijan AZ21NABZ00000000137010001944 28 Bahrein BH67BMAG00001299123456 22 Belgium BE62510007547061 16 Bosnia-Herzegovina BA391290079401028494 20 Brazil BR9700360305000010009795493P1 29 Bulgária BG80BNBG96611020345678 22 Costa Rica CR0515202001026284066 21 Croatia HR1210010051863000160 21 Cyprus CY17002001280000001200527600 28 Czech Republic CZ6508000000192000145399 24 Denmark DK5000400440116243 18 Dominican Republic DO28BAGR00000001212453611324 28 United Arab Emirates AE070331234567890123456 23 Estonia EE382200221020145685 20 Faroe Islands FO6264600001631634 18 Finland FI2112345600000785 18 France FR1420041010050500013M02606 27 Georgia GE29NB0000000101904917 22 Germany DE89370400440532013000 22 Gibraltar GI75NWBK000000007099453 23 Great Britain GB29NWBK60161331926819 22 Greece GR1601101250000000012300695 27 Greenland GL8964710001000206 18 Guatemala GT82TRAJ01020000001210029690 28 Hungary HU42117730161111101800000000 28 Iceland IS140159260076545510730339 26 Ireland IE29AIBK93115212345678 22 Israel IL620108000000099999999 23 Italy IT40S0542811101000000123456 27 Jordan JO94CBJO0010000000000131000302 30 Kazakhstan KZ86125KZT5004100100 20 Kuwait KW81CBKU0000000000001234560101 30 Latvia LV80BANK0000435195001 21 Lebanon LB62099900000001001901229114 28 Lichtenstein LI21088100002324013AA 21 Lithuania LT121000011101001000 20 Luxemburg LU280019400644750000 20 Macedonia MK07300000000042425 19 Malta MT84MALT011000012345MTLCAST001S 31 Mauritania MR1300020001010000123456753 27 Mauritius MU17BOMM0101101030300200000MUR 30 Republic of Moldova MD24AG000225100013104168 24 Monaco MC1112739000700011111000h79 27 Montenegro ME25505000012345678951 22

Electronic account no. format No. of Country (examples) characters The Netherlands NL39RABO0300065264 18 Norway NO9386011117947 15 Pakistan PK36SCBL0000001123456702 24 Palestine, State of. PS92PALS000000000400123456702 29 Poland PL27114020040000300201355387 28 Portugal PT50000201231234567890154 25 Romania RO49AAAA1B31007593840000 24 Qatar QA58DOHB00001234567890ABCDEFG 29 San Marino SM86U0322509800000000270100 27 Saudi Arabia SA0380000000608010167519 24 Serbia RS35260005601001611379 22 Slovakia SK3112000000198742637541 24 Slovenia SI56191000000123438 19 Spain ES0700120345030000067890 24 Sweden SE3550000000054910000003 24 Switzerland CH9300762011623852957 21 Tunisia TN5914207207100707129648 24 Turkey TR330006100519786457841326 26 Virgin Islands, British VG96VPVG0000012345678901 24

Correct Bank IDs and their formats

Code Identifier Country using it Does country use IBAN? Example of format

AT 5 numbers Austrian Bankleitzahl Yes Need not be used; please give beneficiary’s account number with IBAN instead

AU 6 numbers Australian (BSB) Code No AU123456

BL 8 numbers German Bankleitzahl Yes Need not be used; please give beneficiary’s account number with IBAN instead

CC 9 numbers Canadian Payments Association Payment No CC123456789

CH 6 numbers CHIPS Universal Identifier n/a CH123456

CP 4 numbers CHIPS Participant Identifier n/a CP1234

ES 8 or 9 numbers Spanish Domestic Interbanking Code Yes Need not be used; please give beneficiary’s account number with IBAN instead

FW 9 numbers Fedwire Routing Number (USA) No FW123456789

GR 7 numbers HEBIC (Hellenic Bank Identification Code) Yes Need not be used; please give beneficiary’s account number with IBAN instead

HK 3 numbers of Hong Kong No HK123

IE 6 numbers Irish National Clearing Code (NSC) Yes Need not be used; please give beneficiary’s account number with IBAN instead

IN 11 characters Indian Financial System Code (IFSC) No IN12345678901

IT 10 numbers Italian Domestic Identification Code Yes Need not be used; please give beneficiary’s account number with IBAN instead

NZ 6 numbers New Zealand National Clearing Code No NZ123456

PL 8 numbers Polish National Clearing Code Yes Need not be used; please give beneficiary’s account number with IBAN instead

PT 8 numbers Portuguese National Clearing Code Yes Need not be used; please give beneficiary’s account number with IBAN instead

RU 9 numbers Russian Central Bank Identification Code No RU123456789

SC 6 numbers UK Domestic Sort Code Yes Need not be used; please give beneficiary’s account number with IBAN instead

SW 3,4 or 5 numbers Swiss Clearing Code (BC code) Yes Need not be used; please give beneficiary’s account number with IBAN instead

SW 6 numbers Swiss Clearing Code (SIC code) Yes Need not be used; please give beneficiary’s account number with IBAN instead

ZA 6 numbers South African National Clearing Code No ZA123456