Aceast ediie a intrat n vigoare din 31 iulie 2010 i nlocuiete ediia precedent din 10 noiembrie 2008.

Tariff commissions for natural entities

This edition came into effect starting with the 31st of July 2010 and replaces the previous edition of the 10th of November 2008.

Subsemnatul, Nume/The undersigned, Name________________________________Prenume/First Name____________________ CNP/Personal Code __.__.__.__.__.__.__.__.__.__.__.__.__., identificat cu act de identitate seria/identity card serial ____ nr./no. ____________ emis de/issued by __________________________ la data de/dated on __.__/ __.__/__.__.__.__. Prin semnarea prezentei declar c am primit un exemplar din Tariful de comisioane persoane fizice, Ediia 31 iulie 2010, am neles i acceptat fr rezerve coninutul acestuia./ By signing this declaration, I declare that I have received Tariff commissions for natural entities, Edition 31 July 2010, I analyzed and accepted without reserves its contents. Sucursala/Agenia/ Branch/Agency ____________________ Semnturi autorizate/ Authorised Signature __________________________________ Semntur Client/ Client's Signature _________________ Data / Date ______________________

ALPHA BANK ROMANIA S.A. Sediul Central: Calea Dorobanilor nr. 237B, 010566, Sector 1, Bucureti, Romnia, Tel.: (004021) 455 9998, Fax: (004021) 231 6570 Cod Unic de nregistrare: 5062063, Atribut Fiscal: RO, Numr de ordine n Registrul Comerului: J40/28415/1993, RB-PJR-40-022/1999 Capital social subscris i vrsat: 958.811.443,20 RON

Subsemnatul, Nume/The undersigned, Name________________________________Prenume/First Name____________________ CNP/Personal Code __.__.__.__.__.__.__.__.__.__.__.__.__., identificat cu act de identitate seria/identity card serial ____ nr./no. ____________ emis de/issued by __________________________ la data de/dated on __.__/ __.__/__.__.__.__. Prin semnarea prezentei declar c am primit un exemplar din Tariful de comisioane persoane fizice, Ediia 31 iulie 2010, am neles i acceptat fr rezerve coninutul acestuia./ By signing this declaration, I declare that I have received Tariff commissions for natural entities, Edition 31 July 2010, I analyzed and accepted without reserves its contents. Sucursala/Agenia/ Branch/Agency ____________________ Semnturi autorizate/ Authorised Signature __________________________________ Semntur Client/ Client's Signature _________________ Data / Date ______________________

ALPHA BANK ROMANIA S.A. Sediul Central: Calea Dorobanilor nr. 237B, 010566, Sector 1, Bucureti, Romnia, Tel.: (004021) 455 9998, Fax: (004021) 231 6570 Cod Unic de nregistrare: 5062063, Atribut Fiscal: RO, Numr de ordine n Registrul Comerului: J40/28415/1993, RB-PJR-40-022/1999 Capital social subscris i vrsat: 958.811.443,20 RON

CUPRINS / CONTENT

Principii generale - operaiuni n lei i valut / General principles - operations in lei and foreign currencies ............................................... 3 Garantarea depozitelor / Deposit guarantee.............................................................................................................................................. 4 Comisioane standard / Standard commissions ........................................................................................................................................ 6 Comisioane carduri / Cards commissions ................................................................................................................................................. 11 AlphaCard Visa Gold ..................................................................................................................................................................... 11 AlphaCard Visa Credit ................................................................................................................................................................... 12 Alpha MasterCard Credit ...............................................................................................................................................................14 Cosmote Alpha MasterCard .......................................................................................................................................................... 15 AlphaCard Enter More Visa............................................................................................................................................................ 16 AlphaCard Enter Visa..................................................................................................................................................................... 18 Note / Notes ................................................................................................................................................................................ 20 Serviciile Verified by VISA / MasterCard Secure Code.................................................................................................................... 20

Principii generale - operaiuni n lei i valut / General principles - operations in lei and foreign currencies

1. Aceast brour conine comisioanele standard aplicate de ALPHA BANK ROMANIA pentru produsele i serviciile bancare oferite clienilor. Pentru produsele i serviciile care nu sunt specificate n acest document comisioanele vor fi stabilite i comunicate de Banc de la caz la caz, anterior efecturii operaiunii sau prestrii serviciului. / This brochure contains standard commissions charged by ALPHA BANK ROMANIA for the products and services offered to its customers. For those products and services not listed in this document, the commissions will be set by the Bank on a case by case basis, before the operation has been provided. 2. Comisioanele i spezele sunt datorate i pltibile din contul curent la data efecturii operaiunii tarifate, independent de finalizarea ulterioar a acesteia la beneficiar (restituire, neacceptare, anulare, expirare nainte de utilizare etc). Excepie fac operaiunile care genereaz ncasri pentru care comisioanele i spezele se calculeaz la data efecturii operaiunii, dar se percep la prima ncasare. / Commissions and fees as well as the relative charges are due and payable from the current account on the transaction date, irrespective if finalized by beneficiary or not (returning, non-acceptance, cancellation, expired before utilization etc.). Exception: commissions and fees for operations that generate collection are calculated on the transaction date but will be charged at the first collection. 3. Comisioanele i spezele sunt datorate i pltibile de ctre ordonatorul operaiunii sau solicitantul serviciului. n cazul n care comisioanele trebuie solicitate partenerilor, valorile acestora ramn aceleai. / Commissions and fees are due and payable by the ordering party. In case the beneficiary pays the commissions their level is the same as herein mentioned. 4. La calcularea comisioanelor menionate pe trimestru" se va avea n vedere att perioada ncheiat de 90/91/92 zile consecutive, ct i fraciunile rmase. / When calculating the commissions listed "per quarter" timing must be understood as the entire period of 90/91/92 consecutive days and fractions thereof. 5. Spezele potale i de curierat rapid, de teletransmitere, precum i cele aferente unor formulare speciale legate de operaiunile efectuate se adaug la comisioanele din prezenta brour i se percep odat cu aceasta. / Mail or fast curriers charges, teletransmission fees as well as fees for special forms related to operations are added to the commissions listed herein and collected at the same time. Aceste tarife i comisioane mpreun cu principiile generale fac parte din Condiiile Generale de Afaceri ale Bncii i Regulile de Operare pe Cont i se completeaz cu dispoziiile acestora. / Commissions and fees listed herein along with the general principles, as a part of the Business General Conditions of the Bank and the Rules for Operating the Account, may be supplemented with the Bank's decisions.

Garantarea depozitelor / Deposit Guarantee Fondul de Garantare a Depozitelor n Sistemul Bancar garanteaz depozitele n orice moned, la o instituie de credit participant, cu excepia depozitelor care se ncadreaz n categoriile de depozite prevzute n Lista depozitelor negarantate. Sunt acoperite sumele aflate pe numele unei persoane fizice sau juridice la instituia de credit sub form de certificat de depozit nominativ, cont curent, cont de economii, cont de card, cont comun, obligaiuni i alte produse similare. ALPHA BANK ROMANIA este participant la Fondul de Garantare a Depozitelor n Sistemul Bancar i ca atare depozitele constituite la aceast instituie de credit sunt garantate n condiiile i limitele prevzute de lege. n situaia constituirii de depozite de ctre persoane juridice reprezentanii legali ai acestora trebuie s prezinte instituiei de credit informaii relevante privind ncadrarea persoanei juridice respective n categoria microntreprinderilor sau a ntreprinderilor mici i mijlocii, n conformitate cu prevederile legale aplicabile. Pentru ca tu s ai toate informaiile la ndemn gseti mai jos, pe scurt, principalele prevederi ale legislaiei n vigoare: 1.xn cazul n care depozitele constituite la o instituie de credit devin indisponibile, Fondul asigur plata compensaiilor, n limita plafonului de garantare. 2.xPlafonul de garantare per deponent garantat - persoan fizic sau persoan juridic - i per instituie de credit este stabilit la echivalentul n lei al sumei de 100.000 euro. 3. n situaia n care depozitele devin indisponibile, Fondul are obligaia de a stabili data nceperii plii compensaiilor, durata efecturii plilor i modalitatea de plat a compensaiilor i asigur publicarea n cel mai scurt timp a acestor informaii pe website-ul Fondului i n cel puin dou ziare de circulaie naional, n termen de 10 zile lucrtoare. 4. Obligaia de a publica aceste informaii revine i insituiei de credit ale crei depozite au devenit indisponibile, precum i instituiei de credit ce a fost mandatat pentru efectuarea plii compesaniilor. 5. Nivelul compensaiei per deponent se determin prin deducerea din suma tuturor depozitelor garantate deinute de deponentul garantat la respectiva instituie de credit, la data la care depozitele au devenit indisponibile, a valorii totale a creanelor deinute la aceeai dat de instituia de credit asupra respectivului deponent, dac acestea exist. 6. Echivalentul n lei al plafonului de garantare i al sumelor n valut care se iau n considerare la determinarea compensaiilor se calculeaz prin utilizarea cursurilor de schimb valutar comunicate de Banca Naional a Romniei n data la care depozitele au devenit indisponibile, iar pentru celelalte valute se ia n considerare ultimul curs de schimb practicat de instituia de credit n cauz. 7.xPlata compensaiilor n cazul indisponibilizrii depozitelor se efectueaz prin intermediul uneia sau mai multor instituii de credit mandatate n acest sens, n termen de 20 zile lucrtoare de la data indisponibilizrii depozitelor instituiei de credit. 8.xDeponenii garantai sunt scutii de la aplicarea oricror comisioane, taxe ori impozite pentru compensaiile primite. 9.xDeponenii garantai care au nemulumiri legate de compensaii pot sesiza Fondul, n scris, pentru soluionarea situaiei lor. Fondul este obligat s rspund acestor sesizri n termen de 5 zile lucrtoare de la data primirii lor. 10.xNu sunt garantate: a. Depozitele, altele dect cele care se ncadreaz n prevederile art. 6 alin. (3) ale Ordonanei Guvernului nr. 39/1996, republicat cu modificrile i completrile ulterioare, ale unei instituii de credit fcute n nume i cont propriu. The Deposit Guarantee Fund guarantees the deposits in any currency within the Banking System. The deposits which fall under the categories of deposits provisioned in the List of non-guaranteed deposits are not guaranteed. Are guaranteed the amounts on the name of individuals or legal entities, at the participating credit institution, found as nominal certificate of deposit, current account, savings account, card account, joint account, bonds and other similar products. ALPHA BANK ROMANIA is registered with the Deposit Guarantee Fund. Thus, the deposits opened with this institution, are guaranteed within the limits and according to the conditions of the legislation in force. When the deposits are opened by legal entities, their legal representatives must present to the credit institution information regarding their classification as micro enterprises and small and medium companies, according to the legislation in force. For further information on this subject, please find below, in brief, the main provisions of the legislation in force: 1.xThe Fund ensures the payment of compensations, in accordance with the guarantee limit, in the case that the deposits opened with a participating credit institution become unavailable. 2.xThe limit of guarantee per depository - individual or legal entity - and per credit institution is the amount of the equivalent in lei of 100,000. 3.xIn the case that the deposits opened with a participating credit institution become unavailable, the Fund will establish the starting date for the payment of compensations and the payment methods and duration and will ensure the publication as soon as possible of this information on the Fund's website and in two national newspapers, within 10 working days. 4.xThe liability to publish this information will belong also to the participating credit institution with deposits which became unavailable and to the credit institution designated to make the payment of the compensations. 5. The level of the compensation per depository is determined by deducing the total value of the receivables that the credit institution holds for the respective depository, if any, out of the amount of all the guaranteed deposits that the insured depository holds with the respective credit institution on the date on which the deposits became unavailable. 6. The equivalent in lei of the limit of guarantee and, respectively of the amounts in foreign currency which are considered upon establishing the compensations, are calculated by using the exchange rate reported by the National Bank of Romania for the respective currencies on the date on which the deposits became unavailable. 7.xThe payment of the compensations will be made through one or several credit institutions designated, in 20 working days from the date when the deposits opened with a participating credit institution became unavailable. 8. The insured depositories are exempt from any commissions, charges or taxes for the compensation received. 9. The insured depositories who are dissatisfied with their compensations can notify the Fund, in writing, in order to have their problem solved. The Fund must answer to these notifications within 5 business days from the date on which they were received. 10. The following are not guaranteed: a. Deposits, other than those which fall under the provisions of art. 6 par. (3) of the Government Ordinance no. 39/1996, which pertain to a credit institution and were constituted on its own behalf and account.

Garantarea depozitelor / Deposit Guarantee b.xInstrumente care se ncadreaz n definiia fondurilor proprii, conform reglementrilor Bncii Naionale a Romniei privind fondurile proprii ale instituiilor de credit. c.xDepozite ale instituiilor financiare, aa cum sunt acestea definite n Ordonana de Urgen a Guvernului nr. 99/2006 privind instituiile de credit i adecvarea capitalului, aprobat cu modificri i completri prin Legea nr. 227/2007, cu modificrile i completrile ulterioare, cu excepia instituiilor financiare nebancare din categoria caselor de ajutor reciproc. d.xDepozite ale asigurtorilor i reasigurtorilor i ale intermediarilor n asigurri, aa cum sunt acetia definii n legislaia privind activitatea de asigurare i supravegherea asigurrilor. e. Depozite ale autoritilor publice centrale, locale i regionale. f. Depozite ale organismelor de plasament colectiv, aa cum sunt acestea definite de legislaia pieei de capital. g. Depozite ale fondurilor de pensii. h. Depozitele aparinnd, dup caz, administratorilor, directorilor, membrilor consiliului de supraveghere, auditorilor, acionarilor semnificativi, ai instituiei de credit n cauz. i. Depozitele deponenilor cu statut similar celor de la punctul h) n cadrul altor societi din grupul instituiei de credit. j. Depozitele membrilor familiilor persoanelor fizice menionate la punctele h) i i), respectiv so/soie i rudele i afinii de gradul nti, precum i ale terelor persoane care acioneaz n numele deponenilor menionai la punctele h) i i). k. Depozitele la instituia de credit ale companiilor din grupul din care face parte instituia de credit. l. xDepozitele nenominative. m.Valori mobiliare de natura datoriei emise de instituia de credit, precum i obligaii care izvorsc din acceptri proprii i bilete la ordin. n.xDepozitele ntreprinderilor, persoane juridice, care nu intr n categoria microntreprinderilor i a ntreprinderilor mici i mijlocii, n conformitate cu prevederile legale n vigoare aplicabile.
x
x
x

Dac ai nevoie de mai multe informaii privind garantarea depozitelor n sistemul bancar te ateptm la oricare dintre unitile ALPHA BANK ROMANIA sau pe www.alphabank.ro.

b. Instruments that fall under the definition of own funds, according to the regulations pertaining to the National Bank of Romania regarding the credit institutions own funds. c. Deposits pertaining to financial institutions, as they are defined in the Emergency Ordinance no. 99/2006 issued by the Government, regarding credit institutions and capital adequacy, approved with modifications and completions by Law no. 227/2007, with subsequent modifications and completions, apart from non-banking institutions which fall under the category of mutual aid funds. d. Deposits pertaining to insurers and reinsurers and intermediaries in insurances, as they are defined in the legislation regarding insurance activity and supervision thereof. e. Deposits pertaining to central, local and regional public authorities. f. Deposits pertaining to undertakings for collective investments, as they are defined in capital markets legislation. g. Deposits of pension funds. h. Deposits pertaining, depending on each case, to administrators, directors, members of the supervisory committee, auditors and major shareholders, of the respectively credit institution. I. Deposits pertaining to depositories having a status similar to that of depositors from point h) within other companies from the group of the credit institution. j. Deposits pertaining to the family members of natural persons mentioned under points h) and i), respectively husband/wife and relatives and in-law of first degree, as well as those of third parties who act on behalf of the depositories mentioned under point h) and i). k. Deposits with the credit institution opened by companies pertaining to the same group as the credit institution. l. Non-nominal deposits. m. Securities in the form of debt issued by the credit institution, as well as liabilities which derive from own acceptances and promissory notes. n. Deposits pertaining to economic entities which, due to their size, do not fall under the category of micro enterprises and small and mediumsized companies.
x
x

Should you require more information regarding the guarantee of deposits within the banking system, please feel free to come to any of our ALPHA BANK ROMANIA units or visit www.alphabank.

COMISIOANE STANDARD / STANDARD COMMISSIONS

Cont curent / Current account

a) Deschidere cont curent / Opening a current account b) Deschidere cont escrow / Opening an escrow account c) Garanie de bun execuie / Performance bond d) Comision lunar de administrare cont curent / Monthly current account management fee e) Extras de cont, la cerere la ghieu / Statement of account un extras/lun / 1 statement/month n extras la micri, copie extras lun curent / statement at movements, n duplicate, copy from the current month copie extras luni precedente / copy of statement from other months n f) Serviciul Mobilitate Conturi Curente n lei / Bank Account Switching service cheltuieli potale i de comunicare / postal and communication costs n

indiferent de valut / any currency 0 negociabil dar nu mai puin de 0,1% min. 350 lei / negotiable but no less than 0.1% min. 350 lei 0,05% min. 35 lei 2 lei (cont n lei)/0,50 uniti monetare n valuta contului (cont n valut) / 2 lei (account in lei)/0.50 monetary units in the account currency (account in foreign currency) 0 5 lei 10 lei 40 lei** n lei / RON n valut / in foreign currency 0,50% min. 1 euro

Retrageri/depuneri de numerar / Cash deposits/withdrawals

a) Retragere de numerar / Cash withdrawals 0,40% min. 3 lei Not: Perceperea comisionului n cazul retragerilor din credite i depozite la termen sau certificate de depozit cu cupoane se va efectua n conformitate cu condiiile expres menionate n Contractul de Credit, respectiv Contractul de Depozit sau Certificat de Depozit cu Cupoane. / Note: The withdrawal commission for amounts from Loans, Term deposits and Certificates of deposit with coupons will be charged according to the product contractual terms. n retrageri de bancnote n structuri prefereniale / withdrawals in 3% preferential banknotes structure b) Depunere de numerar / Cash deposits 0 n depuneri n moned metalic pt. sume mai mari de 10 lei / deposits in 3,5% coins for amounts exceeding 10 lei c) Operaiuni de schimb ntre bancnote i monede / Exchange operations 3% between banknotes and coins d) Operaiuni de schimb ntre bancnote i monede deteriorate, ce nu mai pot fi 0,1% repuse n procesul circulaiei monetare, cu bancnote i monede corespunztoare / Exchange operations between battered banknotes and coins, those than cannot be instated in monetary circulation, with proper banknotes and coins

0 -

Not: Orice retragere de numerar mai mare de 10.000 lei sau 10.000 euro trebuie anunat Bncii n scris cu o zi lucrtoare n avans, iar sumele mai mari de 30.000 lei sau 100.000 euro trebuie anunate n scris Bncii cu dou zile lucrtoare n avans. n caz contrar Banca va percepe un comision de 0,75% aplicat sumei retrase. / Note: Any withdrawal over 10,000 lei or 10,000 euro must be notified in writing to the Bank one day working hours in advance, while the amounts exceeding 30,000 lei or 100,000 euro must be notified in writing to the Bank two days working hours in advance. Otherwise the Bank will charge 0.75% commission applied to the amount withdrawn.

Schimburi valutare / Foreign exchange

Ordine de plat simple / Collection and payment orders

a) ncasri de la ali clieni ai Bncii / Collections from other Banks customers 0

n lei / RON

n valut / in foreign currency 0

Ordine de plat simple / Collection and payment orders

b) ncasri de la clienii altor bnci i Trezoreria Statului, n favoarea clienilor Bncii / Collection from other banks or State Treasury, in favour of The Banks customers

n lei / RON

n valut / in foreign currency

c) Pli ctre clienii Bncii (viramente) / Payments to Banks customers (transfer) n pli n favoarea conturilor proprii / payments to personal accounts n pli n favoarea altor clieni ai Bncii / payments to other Banks customers

pt. sume < 1.000 lei - 2 lei / 0 for amounts < 1,000 lei 2 lei pt. sume ntre 1.000 lei 49.999,99 lei - 4 lei / for amounts between 1,000 lei 49,999.99 lei 4 lei pt. sume X 50.000 lei 7 lei / for amounts X 50,000 lei - 7 lei 0 pt. sume < 1.000 lei - 3 lei / for amounts < 1,000 lei - 3 lei pt. sume ntre 1.000 lei 49.999,99 lei - 5 lei / for amounts between 1,000 lei 49,999.99 lei - 5 lei / pt. sume X 50.000 lei - 8 lei / for amounts X 50,000 lei - 8 lei pt. sume <1.000 lei 6 lei* / for amounts <1,000 lei 6 lei* pt. sume ntre 1.000
49.999,99 lei 8 lei* /

0 2 euro

d) Pli n favoarea clienilor altor bnci, inclusiv pentru Trezoreria Statului / Payments in favour of other banks customers, including the State Treasury

pt. sume X 100 euro sau echivalent 10 euro*** /for amounts X 100 euro* or equivalent 10 euro*** pt. sume X 12.500 euro sau
echivalent 40 euro*** /

for amounts between 1,000 for amount X 12,500 euro or - 49,999.99 lei 8 lei* equivalent 40 euro*** pt. sume50.000 lei i operaiuni urgente 12 lei* / for amounts X 50,000 lei and urgent operations 12 lei* e) Pli i ncasri aferente decontrii tranzaciilor derulate prin Depozitarul Central / Payments and collections through the Central Custodian f) Pli din cont poprit / Payments from blocked account g) Pli interbancare de utiliti**** X 200 lei / Interbank utility payments**** X 200 lei h) Comisioane suplimentare / Additional commissions - Pli n valut cu comisioane OUR" / Foreign payments with OUR commissions n pt. sume X 12.500 EUR sau echiv./ for amounts X 12,500 EUR or equiv. n pt. sume >12.500 EUR sau echiv./ for amounts > 12,500 EUR or equiv. - Modificare, anulare de pli / Payments amendment, cancellations - Comision reparaii pentru pli non-STP / Repair commission for non-STP payments - Plat de urgen / Urgent payment - Investigare / Inquiry 10 lei* 15 lei* 2 lei pt. sume >12.500 euro sau echivalent 0,25% max. 2.000 euro (se adaug speza SWIFT) / for amounts >12,500 euro or equivalent 0.25% max. 2,000 euro (SWIFT fee will be added) -

15 lei 20 lei**

15 euro 45 euro 40 euro *** 10 euro comision standard x 25% 40 euro ***x

Not: Pentru ordinele de plat simple n lei dispuse prin serviciul de Internet Banking, Alpha Click, se aplic o reducere de 35% la comisioanele prevzute n prezentul tarif. / Note: 35% discount will be applied for all RON payment orders via Alpha Click, the Internet Banking service.
7

Debitare Direct / Direct debit

a) Debitare Direct intrabancar pentru pltitor / Intra-banking direct debit for payer b) Debitare Direct interbancar pentru pltitor / Inter-banking direct debit for payer c) Modificare / denunare contract / Agreement change / cancellation d) Refuz la plat pentru pltitor / Payment refusal

n lei / RON 1 leu/operaiune / 1 leu/ operation 2 lei/operaiune / 2 lei/ operation 4 lei/operaiune / 4 lei/ operation 2 lei*/operaiune / 2 lei*/ operation n lei / RON 2 lei/operaiune / 2 lei/ operation 4 lei*/operaiune / 4 lei*/ operation 4 lei n lei / RON 4 lei

n valut / in foreign currency -

Ordine de plat programate / Standing order

a) Ordin de plat programat intrabancar / Intra-banking standing order
n euro n usd

n valut / in foreign currency

b) Ordin de plat programat interbancar / Inter-banking standing order for payer c) Modificare / revocare contract / Amendment / revocation of contract n euro n usd

0,50 euro/operaiune / 0.50 euro/operation 1,00 usd/operaiune / 1.00 usd/operation 1 euro 1,50 usd n valut / in foreign currency 1 unitate monetar n valuta contului / 1 monetary unit in the account currency n valut / in foreign currency -

Serviciul de Internet Banking, Alpha Click / Internet Banking service, Alpha Click
Administrare lunar, la nivel client (din contul ales n "Cererea pentru Serviciul de Internet Banking - Persoane Fizice") / Management fee for customer (from the account selected in the "Internet Banking Service application for individuals")

Instrumente de debit (cecuri, bilete la ordin, cambii) / Debit instruments (cheques, promisory notes, bills of exchange)
a) Remitere la ncasare / Remittance for collection b) ncasare instrumente de debit / Debit instruments collection n pt. sume < 1.000 lei / for amounts < 1,000 lei n pt. sume ntre 1.000 lei i 49.999,99 lei / for amounts between 1,000 lei and 49,999.99 lei n pt. sume X 50.000 lei / for amounts X 50.000 lei c) Decontare instrumente de debit emise de Banc / Debit instruments issued by the Bank settlement la ghieele bncii / at the Banks counters n la ghieele altor bnci / at other banks counters n d) Eliberare instrumente de debit (pn la 25 file) / Debit instruments issuance (up to 25 pages) e) Certificate instrumente de debit / Debit instruments certificates f) Cecuri comerciale, remitere pentru ncasare / Commercial cheques, remittance for collection g) Cec returnat nepltit / Cheques not accepted/not paid h) Avalizare cambii i bilete la ordin / Aval for promisory note and bill of exchange

n lei / RON 2,5 lei 1 leu* 1,5 lei* 2 lei* 0 7 lei* 5 lei 25 lei -

1,5% min. 5 euro, max 100 euro 30 euro 0,2% min. 85 lei/trim. / 0,2% min. 100 euro /trim. / 0.2% min. 85 lei/quarter 0.2% min. 100 euro/quarter

Not: Pentru instrumente refuzate tehnic sau din lips total de disponibil se percepe comisionul TransFonD / Note: For instruments that were refused based on technical reasons or the total lack of liquidity the TransFond commission will be charged.
8

Titluri de stat / Treasury bills a) Deschidere cont / Account opening b) Extras de cont / Statement of account n eliberare duplicat extras de cont / statement of account duplicate release c) Blocare/deblocare / Block/unblock n n favoarea Bncii / in favour of the Bank n n favoarea altor contrapartide / in favour of other parties Piaa primar / Primary market a) Pentru ofertele acceptate / For accepted bids b) Plat dobnd/cupon aferent titlurilor din portofoliu / Interest/coupon payment for own securities portfolio c) Pentru rscumprare total/parial / For total/partial redemption d) Pentru ofertele neacceptate / For not accepted bids Piaa secundar / Secondary market a) Transfer ctre alte contrapartide / Transfer to other parties b) Tranzacii ntre clienii Bncii / Transactions between Banks customers c) Tranzacii cu alte contrapartide / Transactions with other parties d) Tranzacii de vnzare/cumprare efectuate cu Banca / Sell/buy transactions with the Bank 0 0 10 lei 100 lei 100 lei** 35 lei 0 0 30 lei

indiferent de valut / any currency

0,1 - 0,5% min. 100 lei** 0,5% min. 100 lei 1% min. 90 lei + comision ReGIS / 1% min. 90 lei + ReGIS commission 0

Alte operaiuni i servicii / Other operations and services

a) Pstrarea n custodie a unor titluri de valoare / Keeping in trust of valuables b) Domicilierea la Banc a efectelor de comer / Domicile with the Bank of commercial papers c) Confirmare sold la cerere / Ballance confirmation upon request Not: Se percepe pentru fiecare contract de credit pentru care se solicit confirmarea soldului. n cazul conturilor curente/depozitelor se percepe pentru fiecare solicitare. / Note: It applies to every credit contract for which a sold confirmation is requested. It applies per each request in case of current account/savings. d) Confirmare semnturi autorizate la cerere / Confirmation of authorized signature, upon request e) Interogare baze de date (CIP/CRB/BC) / Collection of queries (CIP/CRB/BC) n 2 interogri pe lun / 2 queries per month n mai mult de 2 interogri pe lun / more than 2 queries per month n altele / other f) Plata facturilor emise de companiile de telefonie partenere / Payment of invoices isued by partner telephone companies g) Transferuri rapide / Fast transfers n n calitate de beneficiar / as beneficiary n n calitate de ordonator / as orderer 5 lei**

indiferent de valut / any currency 100 euro**/trim. / 100 euro**/quarter 0,1% min. 25 euro/efect / 0.1% min 25 euro/paper 40 lei**

0 5 lei**/interogare / 5 lei**/query 5 lei**/pagin / 5 lei**/page 0 0 conform tarifelor or convenite cu partenerii / according to the tariffs agreed with the partners n lei / RON 0,25% min. 100 lei (se adaug speza SWIFT) / 0.25% min. 100 lei (SWIFT fee will be added) n valut / in foreign currency 0,25% min. 100 euro (se adaug speza SWIFT) / 0.25% min. 100 euro (SWIFT fee will be added)

Ordine de plat condiionate (documentare)/ Conditional/documentary payment orders

a) Emitere / Issuance

Ordine de plat condiionate (documentare)/ Conditional / documentary payment orders

b) Avizare (pentru OP documentare primite) / Advising (for received documentary payment orders) c) Modificare / Modification

n lei / RON 0,10% min. 85 lei (se adaug speza SWIFT) / 0.10% min. 85 lei (SWIFT fee will be added) 85 lei

n valut / in foreign currency 0,10% min. 25 euro (se adaug speza SWIFT) / 0.10% min. 25 euro (SWIFT fee will be added) 25 euro

*Se adaug comisionul TransFonD sau comisionul BNR , dup caz / TransFonD commission or NBR commission will be added, by case ** Pentru fiecare contract de cont curent/credit/depozit n parte; se adaug TVA / **For each current account/loan/deposit contract; plus VAT *** Inclusiv speze SWIFT / *** Including SWIFT fees **** Lista furnizorilor de utiliti pentru care se aplic acest tip de comision poate fi consultat n unitile Alpha Bank i n aplicaia de internet banking Alpha Click / **** List of utility providers for which this commission is applied can be verified at Alpha Bank units or by accessing Alpha Click internet banking

10

COMISIOANE CARDURI / CARDS COMMISSIONS ALPHA CARD VISA GOLD Comisioane pentru emitere / Issuing fees
a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax de emitere card suplimentar / Supplementary card issuing fee 100 lei 200 lei 20 lei lei 0 0 lei 2% 2% 0 2% 2% 0 2% 2% 0 2% 2% 0 0 0 euro lei 30 euro 60 euro 10 euro euro euro

Deschidere cont / Account opening

a) Sum minim deschidere cont / Account opening minimum b) Sum minim n cont - garanie / Account minimum amount- guarantee

Comisioane/tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile altor bnci / Cash withdrawal from other banks ATMs c) Pli la comerciani / Sales d) Retrageri numerar ghieu Alpha Bank (lei) / Cash advance at Alpha Bank counter (lei) e) Retrageri numerar ghieu Alpha Bank (euro/usd) / Cash advance at Alpha Bank counter (euro/usd) f) Transfer din contul de card ctre cont Alpha Bank3) / Transfer from card account to another Alpha Bank account3) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters d) Conversie valutar / Foreign exchange

2% 0 2% 0 lei 2% + 100% dobnzi i i 100% comisioane / 2% + 100% fees and 100% commissions 4 ale fiecrei luni / 4th of each month maxim 50 zile / maximum 50 days lei 30 lei 60 lei 0 30 lei 0 1 leu 30 lei 0

2% 0 2% 0 euro 2% + 100% dobnzi i 100% comisioane / 2% + 100% fees and 100% commissions 4thale fiecrei luni / 4 of each month maxim 50 zile / maximum 50 days euro 10 euro 20 euro 0 10 euro 0 0,5 euro 10 euro 0

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment

b) Data de scaden / Due date c) Perioada de graie*) / Grace period

*)

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (destroyed, demagnetized, name change) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card +PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Eliberare extras de cont lunar, o dat pe lun / Monthly account statement

* Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma datorat este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is fully reimbursed untill the due date. 11

Alte comisioane / Other fees

lei

euro 1 euro/extras / 1 euro/statement 2 euro/extras 2 euro/statement 5% euro 0% conform contract / per contract 5% euro 2.200 euro 1.100 euro 3.300 euro 500 euro

i) Duplicat sau copie pentru luna curent / Duplicates or copy for current month 3 lei/extras / 3 lei/statement j) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous months (statement/month) k) Comision de depire limit de credit / Overlimit fee 5 lei/extras / 5 lei/statement 5% lei 0% conform contract / per contract 5% lei 8.000 lei 4.000 lei 12.000 lei 1.800 lei lei 100 lei 265 lei 500 lei 0

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei/euro / Interest rate for positive balance - lei/euro b) Dobnd linie de credit*) = Dobnd de referin**) + Marja Bncii / Interest for credit facility*) = Reference Rate**) + Standard margin 1) 1) c) Dobnd penalizatoare / Overdue interest rate

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n strintate / Daily limits - international cash advance c) Limite zilnice - pli la comerciani / Daily limits - sales d) Limite zilnice - pli pe Internet / Daily limits - Internet sales

Servicii de urgen4) / Emergency Services4)

a) Declarare card pierdut/furat/distrus / Lost/stolen/destroyed card reporting b) Retragere numerar / Emergency cash advance c) nlocuire card / Emergency card replacement d) Informaii / Information

euro 25 euro 75 euro 130 euro 0

ALPHACARD VISA CREDIT Comisioane pentru emitere / Issuing fees

a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax de emitere card suplimentar / Supplementary card issuing fee Deschidere cont / Account opening a) Sum minim deschidere cont / Account opening minimum amount b) Sum minim n cont - garanie / Account minimum amount - guarantee 0 0 20 lei 25 lei 12,5 lei

Comisioane/tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions 1% (minim 2 lei) a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile altor bnci / Cash withdrawal from other banks 1% + 2,5 lei ATMs
* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja Bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the Bank's Margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) sau n oricare dintre unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit. 12

c) Pli la comerciani / Sales d) Retrageri numerar ghieu Alpha Bank (lei) / Cash advance at Alpha Bank (lei) counter e) Transfer din contul de card ctre un cont Alpha Bank3) / Transfer from card account to another Alpha Bank account3) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters d) Conversie valutar / Foreign exchange

0 1% + 2,5 lei 0

1% (minim 4 euro) 0 3% (minim 4 euro) 0

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (destroyed, demagnetised, name change) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Reactivare card / Card reactivation i) Eliberare extras de cont lunar, o dat pe lun / Monthly account statement j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month k) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous months (statement/month) l) Comision depire limit de credit / Overlimit fee 10 lei 20 lei 0 10 lei 0 1 leu 15 lei 20 lei 0 3 lei/extras / 3 lei/statement 5 lei/extras / 5 lei/statement 5%

Dobnzi / Interest rates

a) Dobnd acordat la disponibiliti - lei/euro / Interest rate for positive 0% balance - lei/euro b) Dobnd linie de credit*) = Dobnda de referin**) + Marja Bncii / Interest for conform contract / per contract credit facility*) = Reference Rate**) + Standard margin 1) c) Dobnd penalizatoare1) / Overdue interest rate 5%

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n strintate / Daily limits - international cash advance c) Limite zilnice - pli la comerciani / Daily limits - sales d) Limite zilnice - pli pe Internet / Daily limits - Internet sales 4.000 lei 2.000 lei 6.000 lei 900 lei

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount b) Data de scaden / Due date ***) c) Perioada de graie***) / Grace period 3% + 100% dobnzi i 100% comisioane / 3% + 100% fees and 100% commissions th 15 ale fiecrei luni / 15 of each month maxim 55 zile / maximum 55 days

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja Bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the Bank's Margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) sau n oricare dintre unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit. *** Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma datorat este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is fully reimbursed until the due date. 13

ALPHA MASTERCARD CREDIT Comisioane pentru emitere / Issuing fees

a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax emitere card suplimentar / Supplementary card issuing fee 0 10 lei 0

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount b) Suma minim n cont - garanie / Account minimum amount - guarantee 0 0

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile altor bnci / Cash withdrawal from other banks ATMs c) Pli la comerciani / Sales d) Retrageri numerar ghieu Alpha Bank (lei) / Cash advance at Alpha Bank counter (lei) e) Transfer din contul de card ctre un cont Alpha Bank3) / Transfer from card account to another Alpha Bank account3) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters d) Conversie valutar / Foreign exchange 1% (minim 2 lei) 1% + 2,5 lei 0 1% + 2,5 lei 0

1% (minim 10 lei) 0 3% (minim 4 euro) 0

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n strintate / Daily limits - international cash advance c) Limite zilnice - pli la comerciani / Daily limits - sales d) Limite zilnice - pli pe Internet / Daily limits - Internet sales 4.000 lei 2.000 lei 6.000 lei 900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (distroyed, demagnetised, name changed) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATM f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Eliberare extras de cont lunar, o dat pe lun / Monthly account statement i) Duplicat sau copie pentru luna curent / Duplicates or copy for current month j) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous months / (statement/month) k) Comision depire limita de credit / Overlimit fee 5 lei 10 lei 0 5 lei 0 0 10 lei 0 1,5 lei/extras / statement 3 lei/extras / statement 5%

14

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei/euro / Interest rate for positive balance - lei/euro b) Dobnda pentru retrageri de numerar*) = Dobnda de referin**) + Marja Bncii / Interest rate for ATM/cash advance transactions*)= Reference Rate**) + Standard margin c) Dobnda pentru pli la comerciani*) = Dobnda de referin**) + Marja Bncii / Interest rate for sales transactions*) = Reference Rate**) + Standard margin 1) 1) d) Dobnda penalizatoare / Overdue interest rate 0% conform contract / per contract conform contract / per contract 5%

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment b) Data de scaden / Due date ***) c) Perioada de graie***) / Grace period 5% + 100% dobnzi i 100% comisioane / 5% + 100% fees and 100% commissions th 19 ale fiecrei luni / 19 of each month maxim 55 zile / maximum 55 days

COSMOTE ALPHA MASTERCARD Comisioane pentru emitere / Issuing fees

a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax emitere card suplimentar / Supplementary card issuing fee 0 10 lei 0

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount 0 b) Suma minim n cont - garanie / Account minimum amount - guarantee 0

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile altor bnci / Cash withdrawal from other banks ATMs c) Pli la comerciani / Sales d) Retrageri numerar ghieu Alpha Bank (lei) / Cash advance at Alpha Bank counter (lei) e) Transfer din contul de card ctre un cont Alpha Bank3) / Transfer from card account to another Alpha Bank account3) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters d) Conversie valutar / Foreign exchange 1% (minim 2 lei) 1% + 2,5 lei 0 1% + 2,5 lei 0

1% (minim 10 lei) 0 3% (minim 4 euro) 0

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja Bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the Bank's Margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) sau n oricare dintre unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit. *** Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma datorat este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is fully reimbursed until the due date. 15

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n strintate / Daily limits - international cash advance c) Limite zilnice - pli la comerciani / Daily limits - sales d) Limite zilnice - pli pe Internet / Daily limits - Internet sales 4.000 lei 2.000 lei 6.000 lei 900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (distroyed, demagnetised, name changed) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATM f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Eliberare extras de cont lunar, o dat pe lun / Monthly account statement i) Duplicat sau copie pentru luna curent / Duplicates or copy for current month j) Duplicat sau copie luni precedente (extras/lun) / Duplicates for previous months / (statement/month) k) Comision depire limita de credit / Overlimit fee 5 lei 10 lei 0 5 lei 0 0 10 lei 0 1,5 lei/extras / statement 3 lei/extras / statement 5%

Dobnzi / Interest rates

a) Dobnda acordat la disponibiliti - lei/euro / Interest rate for positive balance - lei/euro *) **) b) Dobnda pentru retrageri de numerar = Dobnda de referin + Marja Bncii / *) **) Interest rate for ATM/cash advance transactions = Reference Rate + Standard margin c) Dobnda pentru pli la comerciani*) = Dobnda de referin**) + Marja Bncii *) **) / Interest rate for sales transactions = Reference Rate + Standard margin 1) 1) d) Dobnda penalizatoare / Overdue interest rate 0% conform contract / per contract conform contract / per contract 5%

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment b) Data de scaden / Due date ***) c) Perioada de graie***) / Grace period 5% + 100% dobnzi i 100% comisioane / 5% + 100% fees and 100% commissions th 19 ale fiecrei luni / 19 of each month maxim 55 zile / maximum 55 days

ALPHACARD ENTER MORE VISA - persoane fizice / individuals

Comisioane pentru emitere / Issuing fees a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax emitere card suplimentar / Supplementary card issuing fee 5 euro 10 euro 5 euro

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja Bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the Bank's Margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) sau n oricare dintre unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit. *** Nu se pltete dobnd pentru plile efectuate la comerciani, oriunde n lume, n cazul n care suma datorat este rambursat integral pn la data scadent. / No interest rate for merchant payment, anywhere in the world, if the owed amount is fully reimbursed until the due date. 16

Deschidere cont / Account opening a) Sum minim deschidere cont / Account opening minimum amount b) Sum minim n cont - garanie / Account minimum amount - guarantee 50 euro 25 euro

Comisioane / tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile altor bnci / Cash withdrawal from other banks ATMs c) Pli la comerciani / Sales d) Retrageri numerar de la ghieu Alpha Bank (lei/euro/usd) / Cash advance at Alpha Bank counter (lei/euro/usd) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters d) Conversie valutar / Foreign exchange 0 0,5% + 2,5 lei 0 0,40% min. 3 lei

1% (minim 4 euro) 0 3% (minim 4 euro) 0

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n str intate / Daily limits - international cash advance c) Limite zilnice - pl i la comerciani / Daily limits - sales d) Limite zilnice - pl i pe Internet / Daily limits - Internet sales 4.000 lei 2.000 lei 6.000 lei 900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (destroyed, demagnetized, name change) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Reactivare card / Card reactivation i) Eliberare extras de cont lunar (la cerere, la ghieu) / Monthly account statement j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month k) Duplicat sau copie luni precedente (extras/lun) / Duplicates or copy for previous months (statement/month) 2,5 euro 5 euro 0 2,5 euro 0 0 5 euro 5 euro 0 1 euro/extras / 1 euro/statement 2 euro/extras / 2 euro/statement

17

Dobnzi / Interest rates

a) Dobnd acordat la disponibiliti - lei, euro, usd / Interest rate for positive balance - lei, euro, usd b) Dobnd descoperit de cont neautorizat (lei) / Unauthorized overdraft interest rate (lei) c) Dobnd descoperit de cont neautorizat (usd/euro) / Unauthorized overdraft interest rate (usd/euro) *) **) d) Dobnd descoperit de cont =Dobnda de referin + Marja Bncii / Interest *) **) rate (RON) = Reference Rate + Standard margin 0% 25% 12% conform contract / per contract

Alte condiii / Other conditions

a) Suma minim de plat / Minimum payment amount 100% dobnzi i 100% comisioane / 100% fees and 100% commissions

ALPHACARD ENTER VISA Comisioane pentru emitere / Issuing fees

a) Tax de emitere / Issuing fee b) Comision anual de administrare card / Annual commission for card management c) Tax emitere card suplimentar / Supplementary card issuing fee 0 0 0

Deschidere cont / Account opening

a) Suma minim deschidere cont / Account opening minimum amount b) Suma minim n cont - garanie / Account minimum amount - guarantee 0 0

Comisioane/tranzacie / Transactions fees

Tranzacii n Romnia / Domestic transactions a) Retragere numerar la ATM-urile Alpha Bank / Cash withdrawal from Alpha Banks ATMs b) Retragere numerar la ATM-urile bncilor participante la Protocol* / Cash withdrawal from banks participating in the Protocol *** c) ATM-urile altor bnci romneti / other Romanian banks ATMs d) Pli la comerciani / Sales e) Retrageri numerar de la ghieu Alpha Bank (lei/euro/usd) / Cash advance at Alpha Bank counter (lei/euro/usd) Tranzacii n strintate / International transactions a) Retragere numerar de la ATM / Cash withdrawal from ATM b) Pli la comerciani / Sales c) Retrageri numerar la ghieu / Cash advance at counters 0 0,5% + 1 leu 0,5% + 2,5 lei 0 0,40% min. 3 lei

1% (minim 4 euro) 0 3% (minim 4 euro)

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja Bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the Bank's Margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) sau n oricare dintre unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit. *** Bncile participante la Protocol: Banca Transilvania, Banca Romneasc, Piraeus Bank, Volksbank, Bank of Cyprus, ATE Bank. / Banks participating in the protocol: Banca Transilvania, Banca Romneasc, Piraeus Bank, Volksbank, Bank of Cyprus, ATE Bank.

18

Limite zilnice de utilizare2) / Daily limits2)

a) Limite zilnice - retrageri numerar n Romnia / Daily limits - domestic cash advance b) Limite zilnice - retrageri numerar n strintate / Daily limits - international cash advance c) Limite zilnice - pli la comerciani / Daily limits - sales d) Limite zilnice - pli pe Internet / Daily limits - Internet sales 4.000 lei 2.000 lei 6.000 lei 900 lei

Alte comisioane / Other fees

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) / Card replacement (destroyed, demagnetized, name change) b) Pierdere/furt card (card + PIN) / Lost/stolen card (card + PIN) c) Rennoire card / Card renewal d) Regenerare PIN / New PIN generation e) Schimbare PIN la ATM Alpha Bank / PIN change at Alpha Bank ATMs f) Interogare sold la ATM Alpha Bank / Alpha Bank ATM balance inquiry g) Refuzuri de plat nejustificate / Chargeback requests not sustained h) Reactivare card / Card reactivation i) Eliberare extras de cont lunar (la cerere, la ghieu) / Monthly account statement j) Duplicat sau copie pentru luna curent / Duplicates or copy for current month 5 lei 10 lei 0 5 lei 0 0 15 lei 10 lei 0 2 lei/extras / 2 lei/statement

Dobnzi / Interest rates**)

a) Dobnd acordat la disponibiliti - lei / Interest rate for positive balance - lei 0% b) Dobnd descoperit de cont neautorizat / Unauthorized overdraft interest rate 25% *) **) c) Dobnd descoperit de cont = Dobnda de referin + Marja Bncii / conform contract / per contract *) **) Interest rate = Reference (RON) Rate + Standard margin Alte condiii / Other conditions Suma minim de plat / Minimum payment amount commissions 100% dobnzi i 100% comisioane / 100% fees and 100% commissions

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturile n RON, respectiv EURIBOR 6M pentru conturile n EUR) la care se adaug Marja bncii. / The interest rate is formed by Reference Rate (NBR Reference Rate for the RON accounts, respectively EURIBOR 6M for the EUR accounts) plus the bank's margin. ** Valoarea aplicabil i evoluia ratei Dobnzii de Referin este disponibil pe situl bncii (www.alphabank.ro) sau n oricare dinte unitile Bncii. / The applicable amount and the evolution of the Reference interest Rate is available on the Bank's web site (www.alphabank.ro) or in any Bank's unit.

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Note / Notes
Dobnda penalizatoare reprezint o rat procentual anual care se aplic la suma minim datorat i nepltit i se calculeaz prin raportarea numrului de zile efective de neplat la numrul de zile considerate ntr-un an (365). 2) Limitele zilnice de utilizare pot fi modificate la cererea clientului. 3) Serviciu disponibil numai pentru cardurile declarate pierdute/furate. 4) Comisioane aplicabile numai n situaia n care se apeleaz Visa International Service Center (VISC). Meniuni: 1) Comisioanele pentru tranzaciile internaionale sunt afiate n euro. 2) Comisioanele pentru tranzaciile efectuate la ATM sunt afiate cumulat pe extrasul de cont lunar. Putei solicita informaii detaliate cu privire la modul de calcul al comisioanelor pentru tranzaciile efectuate la ATM de la orice unitate ALPHA BANK ROMANIA S.A.
1)

Interest penalty represents an annual percentage rate that applies to the minimum amount due and unpaid and is calculated by comparing the number of actual days of default number to the number of days of one year (365). 2) Daily limits of use can be changed on request. 3) Service only available for cards reported lost or stolen. 4) Fees applied only when calling Visa International Service Center (VISC).

1)

Mentions: 1) Fees for the international transactions are displayed in euro. 2)Fees for transactions performed at ATMs are displayed on the cumulative monthly account statement. You can request detailed information concerning the calculations of fees for the transactions made at ATM at any ALPHA BANK ROMANIA S.A. unit.

VERIFIED BY VISA / MASTERCARD SECURE CODE

Pentru ca tu s fii protejat de eventualele fraude prin utilizarea neautorizat a cardului tu i oferim acces gratuit la serviciile Verified by VISA valabil pentru toate AlphaCard-urile VISA i MasterCard SecureCode disponibil prin Alpha MasterCard, asigurnd astfel protecia tranzaciilor tale pe Internet. De fiecare dat cnd vei dori s efectuezi o plat la un magazin on-line participant la aceste servicii - numai acelea care by xxxxxx X i X X - va trebui s afieaz logo-urile Verified furnizezi parola personal nainte de ncheierea tranzaciei. n acest fel eti sigur c numai tu utilizezi cardul tu pentru cumprturile pe Internet.
TM

To protect you from possible frauds by unauthorized use of your card we offer you free access to services "Verified by VISA" valid for all AlphaCards VISA and MasterCard SecureCode" available through Alpha MasterCard, providing protection of your Internet transactions.

xx
Every time you want to make a payment at on-line store participating to these services - only those displaying the Verifiedby logos VISA and masterc - you will have to provide the personal password before the end of transaction. In this way, you are sure you are the only one to use the card for shopping on the Internet.x
TM

Tot ce trebuie s faci este s activezi acest serviciu. Activarea este rapid, uoar i fr niciun cost. Nu trebuie s obii un alt card dect cel deinut pn n prezent. Poi gsi mai multe informaii despre cele 2 servicii i despre activarea lor pe www.alphabank.ro la seciunea carduri.

All you have to do is to activate this service. Activation is quick, easy and involves no cost. You do not have to own a different card but your present one. xx You can find more information about this two services and their activation on www.alphabank.ro ,cards" section.

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