tarife carduri alpha

7/30/2019 Tarife Carduri Alpha

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Tariff commissionsfor natural entities

stThis edition came into effect starting with the 31 of July 2010thand replaces the previous edition of the 10 of November 2008.

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


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Subsemnatul, Nume ________________________________Prenume____________________ CNP __.__.__.__.__.__.__.__.__.__.__.__.__.,

identificat cu act de identitate seria____n

r.____________

emis de__________________________la data de __.__/__.__/__.__.__.__.

Prin semnarea prezentei declar c am primit un exemplar din

Sucursala/Agenia SemnturClient____________________ _________________

Semnturi autorizate

__________________________________ Data ______________________

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

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The undersigned Name FirstName Personal Code

identity card serial o issuedby ated on

By signing this declaration,I declare that I have received Tariff commissions for natural entities, Edition 31 July 2010, I analyzedand accepted without reserves its contents.

Branch/Agency Client's Signature

Authorised Signature Date

Tariful de comisioane persoane fizice,Edi ia 31 iulie 2010, amneles i acceptat fr rezerve coninutul acestuia.

Subsemnatul, Nume ________________________________Prenume____________________ CNP __.__.__.__.__.__.__.__.__.__.__.__.__.,

identificat cu act de identitate seria ____nr. ____________emis de__________________________la data de __.__/__.__/__.__.__.__.

Prin semnarea prezentei declar c am primit un exemplar din

Sucursala/Agenia SemnturClient____________________ _________________

Semnturi autorizate

__________________________________ Data ______________________

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

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The undersigned Name FirstName Personal Code

identity card serial o issuedby ated on

By signing this declaration,I declare that I have received Tariff commissions for natural entities, Edition 31 July 2010, I analyzedand accepted without reserves its contents.

Branch/Agency Client's Signature

Authorised SignatureDate

Tariful de comisioane persoane fizice,Edi ia 31 iulie 2010, amneles i acceptat fr rezerve coninutul acestuia.


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CUPRINS/ CONTENT

Principii generale - operaiuni n lei i valut ...............................................

Garantarea depozitelor ..............................................................................................................................................

Comisioane standard ........................................................................................................................................

Comisioane carduri .................................................................................................................................................

AlphaCard Visa Gold .....................................................................................................................................................................

AlphaCard Visa Credit ...................................................................................................................................................................

Alpha MasterCard Credit ...............................................................................................................................................................

Cosmote Alpha MasterCard ..........................................................................................................................................................

AlphaCard Enter More Visa............................................................................................................................................................

AlphaCard Enter Visa.....................................................................................................................................................................

Note ................................................................................................................................................................................

Serviciile Verified by VISA / MasterCard Secure Code....................................................................................................................

/ General principles - operations in lei and foreign currencies

/Deposit guarantee

/ Standard commissions

/ Cards commissions

/ Notes

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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 oferiteclienilor. 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.

2. Comisioanele i spezele sunt datorate i pltibile din contul curent la data efecturii operaiunii tarifate, independent de finalizareaulterioar a acesteia la beneficiar (restituire, neacceptare, anulare, expirare nainte de utilizare etc). Excepie fac operaiunile caregenereaz ncasri pentru care comisioanele i spezele se calculeaz la data efecturii operaiunii, dar se percep la prima ncasare.

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.

4. La calcularea comisioanelor menionate pe trimestru" se va avea n vedere att perioada ncheiat de 90/91/92 zile consecutive, cti fraciunile rmase.

5. Spezele potale i de curierat rapid, de teletransmitere, precum i cele aferente unor formulare speciale legate de operaiunileefectuate se adaug la comisioanele din prezenta brouri se percep odat cu aceasta.

Aceste tarife i comisioane mpreun cu principiile generale fac parte din Condiiile Generale de Afaceri ale Bncii i Regulile de Operarepe Conti se completeaz cu dispoziiile acestora.

/ This brochure contains standard commissions charged byALPHA BANK ROMANIA for the products and services offered to its customers. For those products and services not listed in thisdocument, the commissions will be set by the Bank on a case by case basis, before the operation has been provided.

/Commissions and fees as well as the relative charges are due and payable from the current account on the transaction date, irrespectiveif finalized by beneficiary or not (returning, non-acceptance, cancellation, expired before utilization etc.). Exception: commissions andfees for operations that generate collection are calculated on the transaction date but will be charged at the first collection.

/ Commissions and fees are due and payable by theordering party. In case the beneficiary pays the commissions their level is the same as herein mentioned.

/ When calculating the commissions listed "per quarter" timing must be understood as the entire period of90/91/92 consecutive days and fractions thereof.

/ Mail or fast curriers charges, teletransmissionfees as well as fees for special forms related to operations are added to the commissions listed herein and collected at the same time.

/ Commissions and fees listed herein along with the general principles, as a part of theBusiness General Conditions of the Bank and the Rules for Operating the Account, may be supplemented with the Bank's decisions.

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Garantarea depozitelor/ Deposit Guarantee

Fondul de Garantare a Depozitelor n Sistemul Bancar garanteazdepozitele n orice moned, la o instituie de credit participant, cuexcepia depozitelor care se ncadreaz n categoriile de depoziteprevzute n Lista depozitelor negarantate. Sunt acoperite sumeleaflate pe numele unei persoane fizice sau juridice la instituia de credit

sub form de certificat de depozit nominativ, cont curent, cont deeconomii, cont de card, cont comun, obligaiuni i alte produsesimilare.

ALPHA BANK ROMANIA este participant la Fondul de Garantare aDepozitelor n Sistemul Bancar i ca atare depozitele constituite laaceast instituie de credit sunt garantate n condiiile i limiteleprevzute de lege. n situaia constituirii de depozite de ctre persoanejuridice reprezentanii legali ai acestora trebuie s prezinte instituieide credit informaii relevante privind ncadrarea persoanei juridicerespective n categoria microntreprinderilor sau a ntreprinderilor micii mijlocii, n conformitate cu prevederile legale aplicabile.

Pentru ca tu s ai toate informaiile la ndemn gseti mai jos, pescurt, principalele prevederi ale legislaiei n vigoare:1.n cazul n care depozitele constituite la o instituie de credit devinindisponibile, Fondul asigur plata compensaiilor, n limita plafonuluide garantare.2. Plafonul de garantare per deponent garantat - persoanfizic sau persoan juridic - i per instituie de credit estestabilit la echivalentul n lei al sumei de 100.000 euro.3. n situaia n care depozitele devin indisponibile, Fondul are obligaiade a stabili data nceperii plii compensaiilor, durata efecturiiplilor i modalitatea de plat a compensaiilor i asigur publicarea

n cel mai scurt timp a acestor informaii pe website-ul Fondului i ncel puin dou ziare de circulaie naional, n termen de 10 zilelucrtoare.

4. Obligaia de a publica aceste informaii revine i insituiei de creditale crei depozite au devenit indisponibile, precum i instituiei decredit ce a fost mandatat pentru efectuarea plii compesaniilor.5. Nivelul compensaiei per deponent se determin prin deducerea dinsuma tuturor depozitelor garantate deinute de deponentul garantat larespectiva instituie de credit, la data la care depozitele au devenitindisponibile, a valorii totale a creanelor deinute la aceeai dat deinstituia de credit asupra respectivului deponent, dac acesteaexist.6. Echivalentul n lei al plafonului de garantare i al sumelor n valutcare se iau n considerare la determinarea compensaiilor secalculeaz prin utilizarea cursurilor de schimb valutar comunicate deBanca Naional a Romniei n data la care depozitele au devenit

indisponibile, iar pentru celelalte valute se ian considerare ultimulcurs de schimb practicat de instituia de creditn cauz.7. Plata compensaiilor n cazul indisponibilizrii depozitelor seefectueaz prin intermediul uneia sau mai multor instituii de creditmandatate n acest sens, n termen de 20 zile lucrtoare de la dataindisponibilizrii depozitelor instituiei de credit.8. Deponenii garantai sunt scutii de la aplicarea oricrorcomisioane, taxe ori impozite pentru compensaiile primite.9. Deponenii garantai care au nemulumiri legate de compensaii potsesiza Fondul, n scris, pentru soluionarea situaiei lor. Fondul esteobligat s rspund acestor sesizri n termen de 5 zile lucrtoare de ladata primirii lor.10. Nu sunt garantate:

a. Depozitele, altele dect cele care se ncadreaz n prevederile art. 6alin. (3) ale Ordonanei Guvernului nr. 39/1996, republicat cumodificrile i completrile ulterioare, ale unei instituii de creditfcute n nume i cont propriu.

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The Deposit Guarantee Fund guarantees the deposits in any currencywithin the Banking System. The deposits which fall under thecategories of deposits provisioned in the List of non-guaranteeddepositsare not guaranteed. Are guaranteed the amounts on thename 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 similarproducts.

ALPHA BANK ROMANIA is registered with the Deposit GuaranteeFund. Thus, the deposits opened with this institution, are guaranteedwithin the limits and according to the conditions of the legislation inforce. When the deposits are opened by legal entities, their legalrepresentatives must present to the credit institution informationregarding their classification as micro enterprises and small andmedium companies, according to the legislation in force.

For further information on this subject, please find below, in brief, themain provisions of the legislation in force:1. The Fund ensures the payment of compensations, in accordancewith the guarantee limit, in the case that the deposits opened with aparticipating credit institution become unavailable.2. The limit of guarantee per depository - individual or legalentity - and per credit institution is the amount of theequivalent in lei of 100,000.3. In the case that the deposits opened with a participating creditinstitution become unavailable, the Fund will establish the startingdate for the payment of compensations and the payment methods andduration and will ensure the publication as soon as possible of thisinformation on the Fund's website and in two national newspapers,within 10 working days.

4. The liability to publish this information will belong also to theparticipating credit institution with deposits which becameunavailable and to the credit institution designated to make thepayment of the compensations.5. The level of the compensation per depository is determined bydeducing the total value of the receivables that the credit institutionholds for the respective depository, if any, out of the amount of all theguaranteed deposits that the insured depository holds with therespective credit institution on the date on which the deposits becameunavailable.6. The equivalent in lei of the limit of guarantee and, respectively of theamounts in foreign currency which are considered upon establishingthe compensations, are calculated by using the exchange rate

reported by the National Bank of Romania for the respectivecurrencies on the date on which the deposits became unavailable.7. The payment of the compensations will be made through one orseveral credit institutions designated, in 20 working days from thedate when the deposits opened with a participating credit institutionbecame 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 theircompensations can notify the Fund, in writing, in order to have theirproblem solved. The Fund must answer to these notifications within 5business 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. 6par. (3) of the Government Ordinance no. 39/1996, which pertain to acredit institution and were constituted on its own behalf and account.

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Garantarea depozitelor/ Deposit Guarantee

b. Instrumente care se ncadreaz n definiia fondurilor proprii,conform reglementrilor Bncii Naionale a Romniei privind fondurileproprii ale instituiilor de credit.c. Depozite ale instituiilor financiare, aa cum sunt acestea definite nOrdonana de Urgen a Guvernului nr. 99/2006 privind instituiile de

credit i adecvarea capitalului, aprobat cu modificri i completriprin Legeanr. 227/2007, cu modificrile i completrile ulterioare, cuexcepia instituiilor financiare nebancare din categoria caselor deajutor reciproc.d. Depozite ale asigurtorilor i reasigurtorilor i ale intermediarilor

n asigurri, aa cum sunt acetia definii n legislaia privindactivitatea de asigurare i supravegherea asigurrilor.e. Depozite ale autoritilor publice centrale, locale i regionale.f. Depozite ale organismelor de plasament colectiv, aa cum suntacestea definite de legislaia pieei de capital.g. Depozite ale fondurilor de pensii.h. Depozitele aparinnd, dup caz, administratorilor, directorilor,membrilor consiliului de supraveghere, auditorilor, acionarilorsemnificativi, ai instituiei de creditn cauz.i. Depozitele deponenilor cu statut similar celor de la punctul h) ncadrul altor societi din grupul instituiei de credit.j. Depozitele membrilor familiilor persoanelor fizice menionate lapunctele h) i i), respectiv so/soie i rudele i afinii de gradul nti,precum i ale terelor persoane care acioneaz n numeledeponenilor menionai la punctele h) i i).k. Depozitele la instituia de credit ale companiilor din grupul din careface parte instituia de credit.l. Depozitele 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. Depozitele ntreprinderilor, persoane juridice, care nu intr ncategoria microntreprinderilor i a ntreprinderilor mici i mijlocii, nconformitate cu prevederile legale n vigoare aplicabile.

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

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b. Instruments that fall under the definition of own funds, according tothe regulations pertaining to the National Bank of Romania regardingthe credit institutions own funds.c. Deposits pertaining to financial institutions, as they are defined inthe Emergency Ordinance no. 99/2006 issued by the Government,

regarding credit institutions and capital adequacy, approved withmodifications and completions by Law no. 227/2007, with subsequentmodifications and completions, apart from non-banking institutionswhich fall under the category of mutual aid funds.d. Deposits pertaining to insurers and reinsurers and intermediaries ininsurances, as they are defined in the legislation regarding insuranceactivity and supervision thereof.e. Deposits pertaining to central, local and regional public authorities.f. Deposits pertaining to undertakings for collective investments, asthey 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 majorshareholders, of the respectively credit institution.I.Deposits pertaining to depositories having a status similar to that ofdepositors from point h) within other companies from the group of thecredit institution.j. Deposits pertaining to the family members of natural personsmentioned under points h) and i), respectively husband/wife andrelatives and in-law of first degree, as well as those of third partieswho act on behalf of the depositories mentioned under point h) and i).k. Deposits with the credit institution opened by companies pertainingto the same groupas 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 promissorynotes.n. Deposits pertaining to economic entities which, due to their size, donot fall under the category of micro enterprises and small and medium-sized companies.

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

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Cont curent/ Current account

Retrageri/depuneri de numerar/ Cash deposits/withdrawals

a) Deschidere cont curent 0

b) Deschidere cont escrow negociabil dar nu mai puin de 0,1% min. 350 lei

c) Garanie de bun execuie 0,05% min. 35 leid) Comision lunar de administrare cont curent 2 lei (contn lei)/0,50 uniti monetaren valutacontului

(contn valut)

e) Extras de cont, la cerere la ghieuun extras/lun 0extras la mi cri, copie extras lun curent 5 lei

copie extras luni precedente 10 lei

/ Opening a current account

/ Opening an escrow account /negotiable but no less than 0.1% min. 350 lei

/ Performance bond/ Monthly current account

management fee / 2 lei (account in lei)/0.50 monetary unitsin the account currency (account in foreign currency)

/ Statement of account/ 1 statement/month

/ statement at movements,duplicate, copy from the current month

/ copy of statement from other months

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f) Serviciul Mobilitate Conturi Curente n leicheltuieli potale i de comunicare 40 lei**

/ Bank Account Switching service/ postal and communication costs

Schimburi valutare/ Foreign exchange

n valut/ in foreign currencyn lei/RON

COMISIOANE STANDARD/ STANDARD COMMISSIONS

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

indiferent de valut/any currency

n valut/ in foreign currencyn lei/RONOrdine de plat simple/ Collection and payment orders

a) Retragere de numerar 0,40% min. 3 lei 0,50% min. 1 euroNot: Perceperea comisionului n cazul retragerilor din credite i depozite latermen sau certificate de depozit cu cupoane se va efectua n conformitatecu condiiile expres menionate n Contractul de Credit, respectiv Contractulde Depozit sau Certificat de Depozit cu Cupoane.

retrageri de bancnote n structuri prefereniale 3% -

b) Depunere de numerar 0 0depuneri n moned metalic pt. sume mai mari de 10 lei 3,5% -

c) Operaiuni de schimb ntre bancnote i monede 3% -

d) Operaiuni de schimb ntre bancnote i monede deteriorate, ce nu mai pot fi 0,1% -repuse n procesul circulaiei monetare, cu bancnote i monedecorespunztoare

Not: Orice retragere de numerar mai mare de 10.000 lei sau 10.000 euro trebuie anunatBncii n scris cu o zilucrtoaren avans, iarsumele 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 vapercepe un comision de 0,75% aplicat sumei retrase.

/ Cash withdrawals

/ Note: The withdrawalcommissionfor amounts from Loans, Term deposits and Certificates of depositwithcoupons will be charged according to the product contractual terms.

/withdrawals in

preferential banknotes structure/ Cash deposits

/deposits incoins for amounts exceeding 10 lei

/ Exchange operationsbetween banknotes and coins

/ Exchange operations between battered banknotes andcoins, those than cannot be instated in monetary circulation, with properbanknotes and coins

/ Note: Any withdrawal over 10,000 lei or 10,000 euro must be notified in writing tothe Bank one dayworking hours in advance, while the amounts exceeding 30,000 lei or 100,000 euro must be notified in writing to theBank two daysworking hours in advance. Otherwise the Bank will charge 0.75% commission applied to the amount withdrawn.

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d) Plin favoarea clienilor altor bnci, inclusiv pentru Trezoreria Statului pt. sume 12.500 euro sauoperaiuni urgente 12 lei* echivalent 0,25% max.2.000

euro (se adaug speza SWIFT)

/Payments in favour of other banks customers, including the State Treasury / for amounts 12,500 euro12 lei* or equivalent 0.25%

max. 2,000 euro(SWIFT fee will be added)

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c) Pli ctre clienii Bncii (viramente)

plin favoarea conturilor proprii 0 0plin favoarea altor clieni ai Bncii pt. sume < 1.000 lei - 3 lei 2 euro

pt. sumentre 1.000 lei 49.999,99 lei - 5 lei

pt. sume 50.000 lei - 8 lei

/ Payments to Banks customers(transfer)

/ payments to personal accounts/ payments to other Banks

customers / for amounts < 1,000 lei- 3 lei

/for amounts between1,000 lei 49,999.99 lei- 5 lei /

/ for amounts 50,000 lei- 8 lei

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Ordine de plat simple/ Collection and payment orders n valut/ in foreign currencyn lei/RON

e) Pli incasri aferente decontrii tranzaciilor derulate prin Depozitarul 10 lei* -Centralf) Pli din cont poprit 15 lei* -g) Pliinterbancare de utiliti**** 200 lei 2 lei

h) Comisioane suplimentare- Plin valut cu comisioane OUR"

pt. sume 12.500 EUR sau echiv. - 15 europt. sume >12.500 EUR sau echiv./ - 45 euro

- Modificare, anulare de pli 15 lei 40 euro ***- Comision reparaii pentru pli non-STP - 10 euro

- Plat de urgen - comision standard x 25%-Investigare 20 lei** 40 euro ***

Not: Pentru ordinele de plat simplen lei dispuse prin serviciul de Internet Banking, Alpha Click, se aplic o reducere de 35% la comisioaneleprevzuten prezentul tarif.

/ Payments and collections through the Central Custodian/ Payments from blocked account

/ Interbank utility payments****200 lei

/ Additional commissions/ Foreign payments with OUR

commissions/ for amounts 12,500 EUR or equiv.

for amounts>12,500 EUR or equiv./ Payments amendment, cancellations

/ Repair commission fornon-STP payments

/ Urgent payment/ Inquiry

/ Note: 35% discount will be applied for all RON payment orders via Alpha Click, the Internet Banking service.

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b)ncasri de la clienii altor bnci i Trezoreria Statului,n favoarea clienilor pt. sume < 1.000 lei - 2 lei 0Bncii

pt. sumentre 1.000 lei -49.999,99 lei - 4 lei

pt. sume 50.000 lei -7 lei

// Collection from other banks or State Treasury, in favour ofThe Banks for amounts < 1,000 lei -

customers 2 lei

/ for

amounts between1,000 lei 49,999.99 lei -4 lei

/ for amounts50,000 lei - 7 lei

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Ordine de plat programate/ Standing order

a) Ordin de plat programat intrabancar 2 lei/operaiune

euro - 0,50 euro/operaiune

usd - 1,00 usd/operaiune

b) Ordin de plat programat interbancar 4 lei*/operaiune -

c) Modificare / revocare contract 4 lei -euro - 1 eurousd - 1,50 usd

/ Intra-banking standing order / 2 lei/operation

/0.50 euro/operation

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1.00 usd/operation/ Inter-banking standing order for / 4 lei*/payer operation

/ Amendment/ revocation of contract

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Administrare lunar, la nivel client(din contul alesn "Cererea pentru 4 lei 1 unitate monetarServiciul de Internet Banking - Persoane Fizice") n valuta contului/ Management fee for /customer(from the account selected in the "Internet Banking Service 1 monetary unitin

application for individuals") the account currency

Serviciul de Internet Banking, Alpha Click/ Internet Banking service,n valut/ in foreign currencyn lei/RONAlpha Click

Instrumente de debit (cecuri, bilete la ordin, cambii)/ Debit instruments(cheques, promisory notes, bills of exchange) n valut/ in foreign currencyn lei/RON

a) Remitere lancasare 2,5 lei -b)ncasare instrumente de debit

pt. sume < 1.000 lei 1 leu* - pt. sumentre

pt. sume

0 - -d) Eliberare 5 lei -

e) Certificate instrumente de debit 25 lei -f) Cecuri comerciale, remitere pentruncasare - 1,5% min. 5 euro, max

100 eurog) Cec returnat nepltit - 30 euroh) Avalizare cambii i bilete la ordin 0,2% min. 85 lei/trim. 0,2% min. 100 euro/trim.

Not: Pentru instrumente refuzate tehnic sau din lips total de disponibil se percepe comisionul TransFonD

/ Remittance for collection/ Debit instruments collection

/ for amounts < 1,000 lei

at the Banks countersat other banks countersDebit instruments

issuance (up to 25 pages)/ Debit instruments certificates

/ Commercial cheques,remittance for collection

/ Cheques not accepted/not paid/Aval for promisory note and bill of / /

exchange 0.2% min. 85 lei/quarter 0.2%min. 100 euro/quarter

/ Note: For instruments thatwere refused based on technical reasons or the total lack of liquidity the TransFond commission will be charged.

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1.000 lei i 49.999,99 lei 1,5 lei* -

50.000 lei 2 lei* -c) Decontare instrumente de debit emise de Banc

la ghieele bnciila ghieele altor bnci 7 lei*instrumente de debit (pn la 25 file)

/ for amounts between 1,000 leiand 49,999.99 lei

/ for amounts 50.000 lei/ Debit instruments issued

by the Bank settlement

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Debitare Direct/ Direct debit

a) Debitare Direct intrabancar pentru pltitor/ 1 leu/operaiune -

b) Debitare Direct interbancar pentru pltitor 2 lei/operaiune -

c) Modificare / denunare contract 4 lei/operaiune -

d) Refuz la plat pentru pltitor 2 lei*/operaiune -

Intra-banking direct debit for / 1 leu/payer operation

/ Inter-banking direct debit for / 2 lei/payer operation

/ Agreement change / cancellation / 4 lei/

operation/ Payment refusal / 2 lei*/

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Alte operaiuni i servicii/ Other operations and services

a) Pstrarea n custodie a unor titluri de valoare 100 euro**/trim.

b) Domicilierea la Banc a efectelor de comer 0,1% min. 25 euro/efect

c) Confirmare sold la cerere 40 lei**

Not: Se percepe pentru fiecare contract de credit pentru care se solicitconfirmarea soldului.n cazul conturilor curente/depozitelor se percepe pentrufiecare solicitare.

d) Confirmare semnturi autorizate la cerere 5 lei**

e) Interogare baze de date (CIP/CRB/BC)2 interogri pe lun 0mai mult de 2 interogri pe lun 5 lei**/interogarealtele 5 lei**/pagin

f) Plata facturilor emise de companiile de telefonie partenere 0

g) Transferuri rapiden calitate de beneficiar 0n calitate de ordonator conform tarifelor or convenite cu partenerii

/ Keeping in trust of / 100 euro**/quartervaluables

/ Domicile with / 0.1% min 25 euro/paperthe Bank of commercial papers

/ Ballance confirmation upon request

/ Note: It applies to every credit contract for which a soldconfirmation is requested. It applies per each request in case of currentaccount/savings.

/ Confirmation of authorizedsignature, upon request

/ Collection of queries (CIP/CRB/BC)/ 2 queries per month

/ more than 2 queries per month / 5 lei**/query/ other / 5 lei**/page

/ Payment ofinvoices isued by partner telephone companies/ Fast transfers

/ as beneficiary/ as orderer / according

to the tariffs agreed with the partners

n

n

n

n

n

a) Emitere . .adaug speza SWIFT) adaug speza SWIFT)

/ Issuance/ /

0.25% min. 100 lei 0.25% min. 100 euro(SWIFT fee will be added) (SWIFT fee will be added)

0,25% min 100 lei (se 0,25% min 100 euro (se

Titluri de stat/ Treasury bills indiferent de valut/any currency

indiferent de valut/any currency

Piaa primara) Pentru ofertele acceptate 35 leib) Plat dobnd/cupon aferent titlurilor din portofoliu 0

c) Pentru rscumprare total/parial 0d) Pentru ofertele neacceptate 30 leiPiaa secundara) Transfer ctre alte contrapartide 0,1 - 0,5% min. 100 lei**b) Tranzacii ntre clienii Bncii 0,5% min. 100 leic) Tranzacii cu alte contrapartide 1% min. 90 lei + comision ReGIS

d) Tranzacii de vnzare/cumprare efectuate cu Banca 0

/ Primary market/ For accepted bids

/ Interest/couponpayment for own securities portfolio

/ For total/partial redemption/ For not accepted bids

/ Secondary market/ Transfer to other parties

/ Transactions between Banks customers/ Transactions with other parties / 1% min. 90 lei +

ReGIS commission/ Sell/buytransactions with the Bank

9

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


a) Deschidere cont 0b) Extras de cont 0

eliberare duplicat extras de cont 10 leic) Blocare/deblocare

n favoarea Bncii 100 lei

n favoarea altor contrapartide 100 lei**

/ Account opening/ Statement of account

/ statement of account duplicate release/ Block/unblock

/in favour of the Bank

/in favour of other parties

n

n

n


11/22

b) Avizare (pentru OP documentare primite) 0,10% min 25 euro (seadaug speza SWIFT) adaug speza SWIFT)

c) Modificare 85 lei 25 euro

/ Advising (for receiveddocumentary payment orders) / /

0.10% min. 85 lei 0.10% min. 25 euro(SWIFT fee will be added) (SWIFT fee will be added)

/ Modification

0,10% min. 85 lei (se .

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


*Se adaug comisionul TransFonD sau comisionul BNR , dup caz** Pentru fiecare contract de cont curent/credit/depozitn parte; se adaug TVA*** Inclusiv speze SWIFT /**** Lista furnizorilor de utiliti pentru care se aplic acest tip de comision poate fi consultatn unitile Alpha Bank in aplicaia deinternet banking Alpha Click /

/TransFonD commission or NBR commission will be added, by case/ **For each current account/loan/deposit contract; plus VAT

*** Including SWIFT fees

**** List of utility providers for which this commission is applied can be verified at Alpha Bank units or byaccessing Alpha Click internet banking

10


12/22

a) Tax de emitere 100 lei 30 eurob) Comision anual de administrare card 200 lei 60 euro

c) Tax de emitere card suplimentar 20 lei 10 euro

/Issuing fee/Annual commission for card

/Supplementary card issuingmanagement

fee

COMISIOANE CARDURI/ CARDS COMMISSIONS

Deschidere cont/Account opening

a) Sum minim deschidere cont 0 0b) Sum minim n cont - garanie 0 0

/Account opening minimum/Account minimum amount- guarantee

Comisioane/tranzacie/Transactions fees

Tranzacii n Romnia/Domestic transactionsa) Retragere numerar la ATM-urile Alpha Bank 2% 2%

b) Retragere numerar la ATM-urile altor bnci 2% 2%

c) Pli la comerciani 0 0d) Retrageri numerar ghieu Alpha Bank (lei) 2% 2%

e) Retrageri numerar ghieu Alpha Bank (euro/usd) 2% 2%

3)f) Transfer din contul de card ctre cont Alpha Bank 0 0

/ Cash withdrawal from AlphaBanks ATMs

/ Cash withdrawal from other banksATMs

/ Sales/ Cash advance at Alpha Bank counter

(lei)/ Cash advance at Alpha Bank

counter (euro/usd)/ Transfer from card account to

3)another Alpha Bank account

Tranzacii n strintate/International transactionsa) Retragere numerar de la ATM 2% 2%b) Pli la comerciani 0 0c) Retrageri numerar la ghieu 2% 2%d) Conversie valutar 0 0

/ Cash withdrawal from ATM/ Sales

/ Cash advance at counters/Foreign exchange

Alte condiii/Other conditions

a) Suma minim de plat 2% + 100% dobnzi i 2% + 100% dobnzii 100% comisioane i 100% comisioane

b) Data de scaden 4 ale fiecrei luni 4 ale fiecrei luni*)c) Perioada de graie maxim 50 zile maxim 50 zile

/Minimum payment/ /

2% + 100% fees and 2% + 100% fees and100%

/Due date / / *)/Grace period / /

100% commissions commissions

th th4 of each month 4 of each month

maximum 50 days maximum 50 days

Alte comisioane/Other fees

a)nlocuire card (deteriorat, demagnetizat, schimbare nume) 30 lei 10 euro

b) Pierdere/furt card (card + PIN) 60 lei 20 euroc) Rennoire card 0 0d) Regenerare PIN 30 lei 10 euroe) Schimbare PIN la ATM Alpha Bank 0 0f) Interogare sold la ATM Alpha Bank 1 leu 0,5 eurog) Refuzuri de plat nejustificate 30 lei 10 euroh) Eliberare extras de cont lunar, o dat pe lun 0 0

/Cardreplacement (destroyed, demagnetized, name change)

/Lost/stolen card(card +PIN) /Card renewal

/New PIN generation/PIN change at Alpha BankATMs/Alpha Bank ATM balanceinquiry

/Chargeback requests not sustained/Monthly accountstatement

ALPHA CARD VISA GOLD

Comisioane pentru emitere/Issuing fees

lei euro

lei euro

lei euro

lei euro

lei euro

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

11


13/22

a) Limite zilnice - retrageri numerar n Romnia 8.000 lei 2.200 euro

b) Limite zilnice - retrageri numerar n strintate 4.000 lei 1.100 euro

c) Limite zilnice - pli la comerciani 12.000 lei 3.300 eurod) Limite zilnice - pli pe Internet 1.800 lei 500 euro

/Daily limits - domestic cashadvance/Daily limits - international cash

advance/Daily limits - sales

/Daily limits - Internet sales

Dobnzi lei euro/Interest rates

a) Dobnda acordat la disponibiliti - lei/euro 0% 0%

*) **)b) Dobnd linie de credit = Dobnd de referin + Marja Bncii conform contract conform contract

1)c) Dobndpenalizatoare 5% 5%

/Interest rate for positivebalance - lei/euro

/Interest / per / per*) **)for credit facility = Reference Rate + Standard margin contract contract

1)/Overdue interest rateX

2)Limite zilnice de utilizare 2)/Daily limits

a) Declarare card pierdut/furat/distrus 100 lei 25 eurob) Retragere numerar 265 lei 75 euroc)nlocuire card 500 lei 130 euro

d) Informaii 0 0

/Lost/stolen/destroyed card reporting/Emergency cash advance

/Emergency card replacement

/Information

4)Servicii de urgen 4)/Emergency Services

lei euro

lei euro

i) Duplicat sau copie pentru luna curent 3 lei/extras / 1 euro/extras /

j) Duplicat sau copie luni precedente (extras/lun) 5 lei/extras / 2 euro/extras

k) Comision de depire limit de credit 5% 5%

/Duplicates or copy forcurrent month3 lei/statement 1 euro/statement

/Duplicates for previousmonths (statement/month) 5 lei/ statement 2 euro/statement

/Overlimit fee

lei euroAlte comisioane/Other fees

Comisioane pentru emitere/ Issuing fees

ALPHACARD VISA CREDIT

a) Tax de emitere 20 leib)

25 leic) Tax de emitere card suplimentar 12,5 lei

/ Issuing fee

/ Supplementary card issuing fee

Comision anual de administrare card /Annual commission for cardmanagement

Deschidere cont/ Account opening

a) Sum minim deschidere cont 0b) Sum minim n cont - garanie 0

/ Account opening minimum amount/ Account minimum amount - guarantee


Tranzacii n Romnia/Domestic transactionsa) Retragere numerar la ATM-urile Alpha Bank

b) Retragere numerar la ATM-urile altor bnci


/ Cash withdrawal from other banks

ATMs

1% (minim 2 lei)

1% + 2,5 lei

conturilen EUR) la care se adaug Marja Bncii.

** Valoarea aplicabili evoluia ratei Dobnzii de Referin este disponibil pe site-ul Bncii (www.alphabank.ro) saun oricare dintre unitile Bncii.

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturilen RON, respectiv EURIBOR 6M pentru/ 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.

/ 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


14/22

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) 10 lei

b) Pierdere/furt card (card + PIN) 20 leic) Rennoire card 0d) Regenerare PIN 10 leie) Schimbare PIN la ATM Alpha Bank 0f) Interogare sold la ATM Alpha Bank 1 leug) Refuzuri de plat nejustificate 15 leih) Reactivare card 20 leii) Eliberare extras de cont lunar, o dat pe lun 0j) Duplicat sau copie pentru luna curent 3 lei/extrask) Duplicat sau copie luni precedente (extras/lun) 5 lei/extras

l) Comision depire limit de credit 5%

/ Card replacement(destroyed, demagnetised, name change)

/ Lost/stolen card (card + PIN)/ Card renewal/ New PIN generation

/ PIN change at Alpha Bank ATMs/ Alpha Bank ATM balance inquiry

/ Chargeback requests not sustained/ Card reactivation

/Monthly account statement/Duplicates or copy for current month /3lei/statement

/Duplicates for previous /5 lei/statementmonths (statement/month)

/Overlimit fee

Dobnzi/ Interest rates



u se pltete dobnd pentru plile efectuate la comerciani, oriunden lume,n cazuln care suma datorat este rambursat integral pn ladata scadent.



/ The applicable amount and the evolution of the Reference interest Rate is available on theBank's web site (www.alphabank.ro) or in any Bank's unit.

/ No interest rate for merchant payment, anywhere in the world, if the owed amount is fully reimbursed until the due date.*** N

a) Limite zilnice - retrageri numerar n Romnia 4.000 lei

b) Limite zilnice - retrageri numerar n strintate 2.000 lei

c) Limite zilnice - pli la comerciani 6.000 leid) Limite zilnice - pli pe Internet 900 lei

/ Daily limits - domestic cashadvance

/ Daily limits - internationalcash advance

/ Daily limits - sales/ Daily limits - Internet sales

2)Limite zilnice de utilizare 2)/ Daily limits

Alte condiii/ Other conditions

a) Dobnd acordat la disponibiliti - lei/euro 0%

*) **)b) Dobnd linie de credit = Dobnda de referin + Marja Bncii conform contract

1)c) Dobndpenalizatoare 5%

/Interest rate for positivebalance - lei/euro

/Interest for / per contract*) **)credit facility = Reference Rate + Standard margin

1)/Overdue interest rate

a) Suma minim de plat 3% + 100% dobnzi i 100%comisioane

b) Data de scaden 15 ale fiecrei luni***)c) Perioada de graie maxim 55 zile

/Minimum payment amount /

th/Due date / 15 of each month***)/Grace period / maximum 55 days

3% + 100% fees and 100% commissions

Alte comisioane/ Other fees

a) Retragere numerar de la ATMb) Pli la comerciani 0c) Retrageri numerar la ghieud) Conversie valutar 0

/ Cash withdrawal from ATM/Sales

/Cash advance at counters/Foreign exchange

1% (minim 4 euro)

3% (minim 4 euro)

c) Pli la comercianid) Retrageri numerar ghieu Alpha Bank (lei)

3)e) Transfer din contul de card ctre un cont Alpha Bank

/Sales/Cash advance at Alpha Bank (lei)

counter/Transfer from card

3)account to another Alpha Bank account

01% + 2,5 lei

0

Tranzacii n strintate/International transactions

13


15/22

ALPHA MASTERCARD CREDIT


a) Tax de emitere 0b) 10 lei

c) Tax emitere card suplimentar 0

/ Issuing fee


Comision anual de administrare card /Annual commission for card

management

a) Suma minim deschidere cont 0b) Suma minim n cont - garanie 0



Comisioane / tranzacie/Transactions fees





/ Cash withdrawal from Alpha

Banks ATMs / Cash withdrawal from other banksATMs

/ Sales/ Cash advance at Alpha Bank

counter (lei)/ Transfer from card

3)account to another Alpha Bank account

1% (minim 2 lei)

1% + 2,5 lei

01% + 2,5 lei

0

Tranzacii n strintate/International transactionsa) Retragere numerar de la ATMb) Pli la comerciani 0

c) Retrageri numerar la ghieud) Conversie valutar 0


/ Cash advance at counters/ Foreign exchange

1% (minim 10 lei)

3% (minim 4 euro)




c) Limite zilnice - pli la comerciani 6.000 leid) Limite zilnice - pli pe Internet 900 lei



/ Daily limits - sales/ Daily limits - Internet sales

Alte comisioane/ Other feesa) nlocuire card (deteriorat, demagnetizat, schimbare nume) 5 lei

b) Pierdere/furt card (card + PIN) 10 leic) Rennoire card 0d) Regenerare PIN 5 leie) Schimbare PIN la ATM Alpha Bank 0f) Interogare sold la ATM Alpha Bank 0g) Refuzuri de plat nejustificate 10 leih) Eliberare extras de cont lunar, o dat pe lun 0i) Duplicat sau copie pentru luna curent 1,5 lei/extras

j) Duplicat sau copie luni precedente (extras/lun) 3 lei/extras/k) Comision depire limita de credit 5%

/ Cardreplacement (distroyed, demagnetised, name changed)

/ Lost/stolen card (card + PIN)/ Card renewal

/ New PIN generation/ PIN change at Alpha Bank ATM/ Alpha Bank ATM balance inquiry

/ Chargeback requests not sustained/ Monthly account statement

/ Duplicates or copy for current month / statement

/Duplicates for previous / statementmonths (statement/month)/Overlimit fee

14


16/22









a) Dobnda acordat la disponibiliti - lei/euro 0%

*) **) b) Dobnda pentru retrageri de numerar = Dobnda de referin + Marja Bncii conform contract)

*) **)

c) Dobnda pentru pli la comerciani = Dobnda de referin + Marja Bncii conform contract1)d) Dobnda penalizatoare 5%

/Interest rate for positive balance-lei/euro

/ / per contract* **)Interest rate for ATM/cash advance transactions = Reference Rate + Standard

margin

/ per contract*) **)/ Interest rate for sales transactions = Reference Rate + Standard margin1)/Overdue interest rate

Alte condiii/ Other conditionsa) Suma minim de plat 5% + 100% dobnzi i 100%comisioane


/Minimum payment /



COSMOTE ALPHA MASTERCARD


a) Tax de emitere 0b) 10 lei


/ Issuing fee



a) Suma minim deschidere cont 0b) Suma minim n cont - garanie 0









/ Cash withdrawal from otherbanks ATMs

/ Sales/ Cash advance at Alpha Bank

counter (lei) / Transfer from card3)account to another Alpha Bank account

1% (minim 2 lei)

1% + 2,5 lei

01% + 2,5 lei

0

Tranzacii n strintate/International transactionsa) Retragere numerar de la ATMb) Pli la comerciani 0c) Retrageri numerar la ghieud) Conversie valutar 0


/ Cash advance at counters/ Foreign exchange

1% (minim 10 lei)

3% (minim 4 euro)

15


17/22




c) Limite zilnice - pli la comerciani 6.000 lei

d) Limite zilnice - pli pe Internet 900 lei



/ Daily limits - sales

/ Daily limits - Internet sales



b) Pierdere/furt card (card + PIN) 10 leic) Rennoire card 0d) Regenerare PIN 5 leie) Schimbare PIN la ATM Alpha Bank 0f) Interogare sold la ATM Alpha Bank 0g) Refuzuri de plat nejustificate 10 leih) Eliberare extras de cont lunar, o dat pe lun 0i) Duplicat sau copie pentru luna curent 1,5 lei/extrasj) Duplicat sau copie luni precedente (extras/lun) 3 lei/extras

/k) Comision depire limita de credit 5%

/ Cardreplacement (distroyed, demagnetised, name changed)

/ Lost/stolen card (card + PIN)/ Card renewal

/ New PIN generation/ PIN change at Alpha Bank ATM/ Alpha Bank ATM balance inquiry

/ Chargeback requests not sustained/ Monthly account statement

/ Duplicates or copy for current month / statement/Duplicates for previous / statement

months (statement/month)/Overlimit fee


a) Dobnda acordat la disponibiliti - lei/euro 0%

*) **) b) Dobnda pentru retrageri de numerar = Dobnda de referin + Marja Bncii conform contract)

*) **)c) Dobnda pentru pli la comerciani = Dobnda de referin + Marja Bncii conform contract

1)d) Dobnda penalizatoare 5%

/Interest rate for positive balance-lei/euro

/ / per contract* **)

Interest rate for ATM/cash advance transactions = Reference Rate + Standardmargin/ per contract

*) **)/ Interest rate for sales transactions = Reference Rate + Standard margin1)/Overdue interest rate

Alte condiii/ Other conditionsa) Suma minim de plat 5% + 100% dobnzi i 100%comisioane


/Minimum payment /










ALPHACARD ENTER MORE VISA - persoane fizice/ individuals

Comisioane pentru emitere/ Issuing fees a) Tax de emitere 5 eurob)

10 euroc) Tax emitere card suplimentar 5 euro

/ Issuing fee



16


18/22

a) 0

b) 0,5% + 2,5 lei

c) Pli la comerciani 0d) Retrageri numerar de la ghieu Alpha Bank (lei/euro/usd) 0,40% min. 3 lei

Retragere numerar la ATM-urile Alpha Bank

Retragere numerar la ATM-urile altor bnci


/ Cash withdrawal from otherbanks ATMs

/Sales/Cash advance

at Alpha Bank counter (lei/euro/usd)


a) Sum minim deschidere cont 50 eurob) Sum minim n cont - garanie 25 euro



Tranzacii n Romnia/Domestic transactions

Tranzacii n strintate/International transactionsa) 1% (minim 4 euro)

b) Pli la comerciani 0c) Retrageri numerar la ghieu 3% (minim 4 euro)d) Conversie valutar 0

Retragere numerar de la ATM / Cash withdrawal from ATM

/Sales /Cash advance at counters/Foreign exchange

a) nlocuire card (deteriorat, demagnetizat, schimbare nume) 2,5 euro

b) Pierdere/furt card (card + PIN) 5 euroc) Rennoire card 0d) Regenerare PIN 2,5 euroe) Schimbare PIN la ATM Alpha Bank 0f) Interogare sold la ATM Alpha Bank 0g) Refuzuri de plat nejustificate 5 euro

h) Reactivare card 5 euroi) Eliberare extras de cont lunar (la cerere, la ghieu) 0

j) Duplicat sau copie pentru luna curent 1 euro/extrask) Duplicat sau copie luni precedente (extras/lun) 2 euro/extras


/Lost/stolen card (card + PIN)/Card renewal

/ New PIN generation / PIN change at AlphaBank ATMs

/ Alpha Bank ATM balance inquiry/ Chargeback requests not sustained

/ Card reactivation/ Monthly account

statement/Duplicates or copy for current month / 1 euro/ statement

/Duplicates or copy for / 2 euro/statementprevious months (statement/month)







/Daily limits - domesticcashadvance

/Daily limits - internationalcash advance

/Daily limits - sales


17


19/22

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

a) Dobnd acordat la disponibiliti - lei, euro, usd 0%

b) Dobnd descoperit de cont neautorizat (lei) 25%

c) Dobnd descoperit de cont neautorizat (usd/euro) 12%

*) **)d) Dobnd descoperit de cont =Dobnda de referin + Marja Bncii conform contract

/Interest rate for positivebalance - lei, euro, usd

/Unauthorized overdraftinterest rate (lei)

/Unauthorized overdraft

interest rate (usd/euro) /Interest / per contract*) **)rate (RON) = Reference Rate + Standard margin





** Bncile participante la Protocol: Banca Transilvania, Banca Romneasc, Piraeus Bank, Volksbank, Bank of Cyprus, ATE Bank.



/ 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./ Banks participating

in the protocol: Banca Transilvania, Banca Romneasc, Piraeus Bank, Volksbank, Bank of Cyprus, ATE Bank.*

a) Suma minim deschidere cont 0

b) Suma minim n cont - garanie 0

/ Account opening minimum amount

/ Account minimum amount - guarantee



Tranzacii n Romnia/Domestic transactionsa) 0

b) 0,5% + 1 leu

c) ATM-urile altor bnci romneti 0,5% + 2,5 leid) Pli la comerciani 0e) Retrageri numerar de la ghieu Alpha Bank (lei/euro/usd) 0,40% min. 3 lei

Retragere numerar la ATM-urile Alpha Bank

Retragere numerar la ATM-urile bncilor participante la Protocol*


/ Cashwithdrawal from banks participating in the Protocol ***

/ other Romanian banks ATMs/Sales

/Cash advance

at Alpha Bank counter (lei/euro/usd)

Tranzacii n strintate/International transactions

a) 1% (minim 4 euro)b) Pli la comerciani 0c) Retrageri numerar la ghieu 3% (minim 4 euro)

Retragere numerar de la ATM / Cash withdrawal from ATM/Sales

/Cash advance at counters


a) Tax de emitere 0b) 0


/ Issuing fee



18

ALPHACARD ENTER VISA


20/22

a) Dobnd acordat la disponibiliti - lei 0%b) Dobnd descoperit de cont neautorizat 25%

*) **)c) Dobnd descoperit de cont =Dobnda de referin + Marja Bncii conform contract

/Interest rate for positive balance - lei/Unauthorized overdraft interest rate

/ / per contract*) **)Interest rate = Reference (RON) Rate + Standard margin

Dobnzi **)/ Interest rates

Suma minim de plat 100% dobnzi i 100% comisioane/Minimum payment amount /commissions100% fees and 100% commissions







/Daily limits - domestic cashadvance

/Daily limits - internationalcash advance

/Daily limits - sales




b) Pierdere/furt card (card + PIN) 10 leic) Rennoire card 0d) Regenerare PIN 5 leie) Schimbare PIN la ATM Alpha Bank 0f) Interogare sold la ATM Alpha Bank 0g) Refuzuri de plat nejustificate 15 lei

h) Reactivare card 10 leii) Eliberare extras de cont lunar (la cerere, la ghieu)0

j) Duplicat sau copie pentru luna curent 2 lei/extras


/Lost/stolen card (card + PIN)/Card renewal

/ New PIN generation/ PIN change at Alpha Bank ATMs/ Alpha Bank ATM balance inquiry

/ Chargeback requests not sustained

/ Card reactivation / Monthly accountstatement

/Duplicates or copy for current month / 2 lei/statement

/ 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.

/ 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.

* Rata dobnzii este format din Dobnda de Referin (Rata dobnzii de referin a BNR pentru conturilen RON, respectiv EURIBOR 6M pentru

conturilen EUR) la care se adaug Marja bncii.

** Valoarea aplicabili evoluia ratei Dobnzii de Referin este disponibil pe situl bncii (www.alphabank.ro) saun oricare dinte unitile Bncii.

19


21/22

Note/ Notes

1) Dobnda penalizatoare reprezint o rat procentualanual care se aplic la suma minim datorati nepltitise calculeaz prin raportarea numrului de zile efective deneplat la numrul de zile consideratentr-un an (365).2)

Limitele zilnice de utilizare pot fi modificate la cerereaclientului.3) Serviciu disponibil numai pentru cardurile declaratepierdute/furate.4) Comisioane aplicabile numai n situaia n care seapeleaz Visa International Service Center (VISC).

Meniuni:1) Comisioanele pentru tranzaciile internaionale suntafiaten euro.2) Comisioanele pentru tranzaciile efectuate la ATM suntafiate cumulat pe extrasul de cont lunar. Putei solicita

informaii detaliate cu privire la modul de calcul alcomisioanelor pentru tranzaciile efectuate la ATM de laorice unitate ALPHA BANK ROMANIA S.A.

1) Interest penalty represents an annual percentage rate thatapplies to the minimum amount due and unpaid and is calculatedby comparing the number of actual days of default number to thenumber 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 ServiceCenter (VISC).

Mentions:1) Fees for the international transactions are displayed in euro.2)Fees for transactions performed at ATMs are displayed onthe cumulative monthly account statement. You can requestdetailed information concerning thecalculations of feesfor the

transactions made at ATM at anyALPHA BANK ROMANIA S.A.unit.

Pentru ca tu s fii protejat de eventualele fraude prin utilizareaneautorizat a cardului tu i oferim acces gratuit la serviciileVerified by VISA valabil pentru toate AlphaCard-urile VISA iMasterCard SecureCode disponibil prin Alpha MasterCard,asigurnd astfel protecia tranzaciilor tale pe Internet.

De fiecare dat cnd vei dori s efectuezi o plat la un magazinon-line participant la aceste servicii - numai acelea careafieaz logo-urile i - va trebui sfurnizezi parola personal nainte de ncheierea tranzaciei. nacest fel eti sigur c numai tu utilizezi cardul tu pentrucumprturile pe Internet.

Tot ce trebuie s faci este s activezi acest serviciu. Activareaeste rapid, uoari fr niciun cost. Nu trebuie s obii unalt card dect cel deinut pn n prezent.

Poi gsi mai multe informaii despre cele 2 servicii i despreactivarea lor pe www.alphabank.ro la seciunea carduri.

xxxxxxX X

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

Every time you want to make a payment at on-line storeparticipating to these services - only those displaying thelogos and you will have to provide thepersonal password before the end of transaction.In this way,you are sure you are the only one to use the card for shopping onthe Internet.

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 differentcard but your present one.

You can find more information about this two services and theiractivation on www.alphabank.ro ,cards" section.

xx

x

xx

VISA masterc -

VERIFIED BY VISA / MASTERCARD SECURE CODE

VerifiedbyVerifiedbyTM

TM

20


22/22

tarife carduri alpha

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