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Dear Client,

Thank you for being part of our community and for choosing us as your financial partner.

We strive to always offer you secure, efficient, and tailored services to meet your needs. In this regard, we would like to inform you that, starting from 08.04.2025, several changes will come into effect regarding the level of banking fees and some clauses in the General Banking Conditions for Individuals ("GBC - PI").

These adjustments are part of our commitment to continuously invest in technology, innovation, and quality services to enhance your banking experience.

What is changing?

Changes and additions to the clauses in GBC-PI: we have made changes to the General Banking Conditions to align them with the new legal provisions and the current offer of the bank's products and services.

In short, the main changes consist of:

Cards can be issued on physical and/or virtual support, according to the product offer displayed on the bank's website www.raiffeisen.ro. Virtual cards can be registered in digital wallets and can be used for transactions on the internet and at POS/ATM/MFM.

Adapting clauses regarding money laundering, terrorism financing, and the application of International Sanctions according to the latest legislative changes in this field, as well as the way the bank implements legal requirements in this regard.

Completing chapter 2 "2.1 Provisions regarding the protection of personal data" with provisions regarding the purposes and legal grounds for processing personal data:

♦ For going through the remote identification flow using video means through digital platforms that have integrated such a verification stage, processing biometric data and biometric verification using advanced machine learning models through digital platforms that have integrated such a verification stage;
♦ For transmitting data to SANB (the service for displaying the beneficiary's name), which involves the automatic display of the beneficiary's name and initial of the first name (in the case of individuals), or the truncated name in the case of the beneficiary being a legal entity, at the time the payer enters the IBAN code in the banking applications through which electronic payments are made, to prevent fraud and reduce erroneous transactions generated by the incorrect entry of the beneficiary's account);
♦ For transmitting data to the Credit Risk Center;
♦ For increasing the level of digitization and enhanced efficiency at the bank level, by reducing efforts, including financial efforts, to manually perform similar processes, including by creating and implementing advanced analytical models;
♦ through low-risk artificial intelligence models, including through advanced machine learning, for training and developing these models.

Clarifications regarding the termination of specific contracts related to products/services and the applicability of GBC-PI in case of termination of the business relationship between the bank and the client at the initiative of either party.

Changing the notification period in case of contract termination, from 3 working days to 5 working days from the closure of the product/service.

Detailing the cases in which the client can request the revocation of a payment order and the situations in which the bank cannot guarantee the successful revocation of it.

Adding a new channel for the bank to send notifications, namely push notifications in the Smart Mobile application.

Mentioning the contact details of the ASF, the competent authority for amicable resolution of any disputes regarding investment products and services.

Other changes and additions for the clarity of contractual texts.

Banking fees: some of our fees will be adjusted to better reflect market reality and to continue investing in modern services and advanced technologies.

Starting from 08.04.2025, the fees and charges below will have the following values:

Fee name	New value
Zero Simplu Package administration fee	12 lei / month
Standard Package administration fee	3 lei/month
Comision for Gambling type transactions	1% + 10 lei
Cash withdrawal fee * At the counters of accepting banks abroad At the ATMs of accepting banks abroad At Raiffeisen Bank ATMs At the counters and ATM networks of other accepting Romanian banks	1.5% min 10 lei

*Fees apply to cards and cash withdrawals not included in the benefits of current account packages.
The cost changes outlined in this notice pertain to standard fees and commissions and do not affect the cost benefits included in current account packages, promotional campaign benefits, or other benefits offered by the bank, which will remain at the agreed level according to specific contractual agreements.

Starting from 30.06.2025, the following fee will be introduced:

Fee name	New value
Seizure establishment fee	25 lei

Extension of the validity of the "GRACE" functionality of the credit card: For credit card contracts, the validity period of the "GRACE" functionality is extended until 31.12.2025.

This notification is accompanied by 3 annexes. Here is what you will find in each of them:

In Annex no. 1 you can find, detailed, all the contractual clauses from the GENERAL CONDITIONS FOR CARRYING OUT BANKING OPERATIONS FOR INDIVIDUALS - "GBC PI", which have been modified or completed.

In Annex no. 2 you can find the Depositor Information Form - Annex no. 2 to Law no. 311/2015 regarding deposit guarantee schemes and the Bank Deposit Guarantee Fund.

In accordance with the provisions of this normative act, the funds recorded in your deposit accounts are guaranteed in Romania by the Bank Deposit Guarantee Fund, according to the provisions of the aforementioned form. By "deposit" is meant, according to the law, any credit balance, including the due interest, resulting from funds in an account or from transitional situations deriving from current banking operations, such as: term deposit, current account, savings account, etc. Also, in Annex no. 2 is included the list of deposits excluded from the guarantee.

In Annex no. 3 of this notification, you can find the contractual clause regarding the "GRACE" functionality, from the Credit Card Contract, which has undergone changes.

We would like to inform you that, as a client of the Bank, if you do not agree with the changes mentioned in this notification and/or its Annexes, you have the right to unilaterally terminate your specific contract for the product or service concerned (for example: current account contract, debit card, credit card, etc.), without incurring penalties and without the need to invoke a reason. If you choose to terminate the contract for the product/service, you can request this in any Raiffeisen Bank branch until 07.04.2025.

If, by the aforementioned date, you do not express your disagreement with the changes described above, they will be considered tacitly accepted by you, and the contractual relationships with Raiffeisen Bank will continue under the conditions expressly regulated in the new version of GBC PI, as well as the updated contractual documentation for payment services (as modified and completed through this notification).

The communicated changes will apply under the same conditions to contracts concluded with Raiffeisen Bank by minor holders represented/assisted by a legal representative.

If you are the legal representative of a minor client of the Bank and user of current account services and associated services, if you do not agree with the notified changes, you have the right to represent/assist the minor in the free termination of the contracts for the respective products/services until 07.04.2025.

If you have any questions regarding the above communications, please contact us in the most convenient way for you: you can find us online at www.raiffeisen.ro, in the Call Center by calling *2000, or in Raiffeisen Bank branches.

Thank you for your understanding and for our partnership! We are here for any questions or clarifications regarding these updates.

Sincerely,

Raiffeisen Bank Team

www.raiffeisen.ro