Common use of November 2022 Clause in Contracts

November 2022. In case of loan application submitted through branch network: for applications for basic requirement investigation submitted on or after 1 October 2022 In case of loan application submitted through CIB24: loans approved on or after 1 October 2022 based on creditworthiness test 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 2,60% 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 relating to CIB ‘Előrelépő’ Personal Loan in case of CIB EASY cannot be combined with other discounts relating to CIB ‘Előrelépő’ Personal Loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 17,94% 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.

November 2022. In case of loan application submitted through branch network: for applications for basic requirement investigation submitted on or after 1 October 3 November 2022 In case of loan application submitted through CIB24: loans approved on or after 1 October 3 November 2022 based on creditworthiness test 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 2,601,60% 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 relating to CIB ‘Előrelépő’ Personal Loan in case of CIB EASY cannot be combined with other discounts relating to CIB ‘Előrelépő’ Personal Loan. APR: HUF 500,000 with a 3-year term and HUF 3 million with a 5-year term: 17,9419,13% 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.