SPECTRANET INTERNET BANKING

The SpectraNet Internet Banking service can be used with the following service packages:

	SpectraNet Internet Banking Plus	SpectraNet Internet Banking Light
Account balance (balance, amount available, reservations, credit limit)	√	√
Viewing account balances on the review screen after log-on	√	√
Account history	√	√
Viewing the history of a selected account on specific days on the review screen after log-on	-	√
Account statement
Electronic account statement in a pdf format (issued with an advanced security digital signature and authenticated by a timestamp of a qualified service provider; as a result, the document qualifies as an accounting document under Act C of 2000 on Accounting)	√	√
Electronic account statement in a UniCredit format	√	√
Advices:
Advices of postal cash payment orders	√	√
Advices of batch transfers	√	-
Orders:
Forint transfers	√	√
Foreign currency transfers	√	√
EU Payment	√	√
SEPA credit transfer	√	√
Forint internal transfers	√	√
Foreign currency internal transfers	√	√
Standing Orders (overview & modification & delete)	√	√
Direct Debits (overview & modification & delete)	√	√
Pay bills	√	√
Batch transfers	√	-
Prompt collection orders	√	-
Postal cash payment orders	√	√
Making deposits	√	√
Withdrawing deposits	√	√
Outstanding transactions (overview & delete)	√	√
Free format letters/orders ^{1, 2}	√	√
Requesting electronic account statements ²	√	√
Announcing cash withdrawals ²	√	√
Cash delivery orders	√	-
Authorization to supply banking information ²	√	-
Order to supply coverage verification ²	√	-
Drawing down a loan ²	√	-
Securities functions
Account balance (balance, amount available, market value)	√	√
Account history	√	√
Statement of account	√	√
Stock purchase/sale ³	√	√
Pioneer Hungarian Investment Funds and Pioneer International Investment Funds issue of investment certificates ³	√	√
Issue of external Investment Funds of investment certificates ³	√	√
Securities transfer ³	√	√
Outstanding transactions (overview and delete)³	√	√
Information on credit cards:
Information on credit card settlement account (credit line, details about transactions, automatic repayment service, credit life insurance, SMS service, etc.)	√	√
Information on credit cards (limits for card use, details about transactions, SMS service. etc.)	√	√
Information on the last settlement period (closing balance, minimum amount to be paid, term of payment, booked transactions, etc.)	√	√
SMS (text message) service⁴:
Account SMS notification (view current settings / new request / modification)	√	√
Debit Card SMS notification (view current settings /new request / modification)	√	√
Banking information queries (Currency and foreign exchange rates; Interest rates; Conditions; Stock exchange rates; Mutual funds)	√	√
Calculating interest rates	√	-
Other services:
Drawing up order templates	√	√
Handling multiple signatures	√	√
Management of signing and sending simplified and immediate order signatures	-	√
Handling order packages: signing packages, sending packages	√	-
Delivering orders entered through the SpectraNet Internet Banking System to the SpectraNet Mobile Banking System (and the other way around) for the purposes of (further) signatures, modifications and sending it to the bank.	√	√
Electronic mailbox function: Delivering orders entered through the installed Spectra and SpectraLight program to the SpectraNet Internet Banking and Mobile Banking System (and the other way around) for the purposes of (further) signatures, modifications and sending it to the bank.	√	-
Management of Transaction and Daily Limits.	√	√
Management of the accounts of multiple Account Holders with a single User ID.	√	√
Setting the default Account Holder	√	√
Setting default account numbers by order types	√	√
Naming accounts	√	√
Viewing logs	√	√
Help	√	√
Hungarian-, English- and German-language versions	√	√

¹ The bank do not accept free-form letter / order from individuals and small enterprises. Those order types for which no separated form is avalailable in our Internet Banking service, are accepted via TelephoneBank (if you have TelephoneBank contract) or personally in our branches.

² For order types marked with an asterisk signature rights will be verified on the basis of the Letter Execution Score, while for other order types based on the Authority Score belonging to the given account. Clients who are entitled to make a balance inquiry over a credit card settlement account, are also entitled to make an inquiry over all the credit cards of the given settlement account.

³ The bank do not accept this kind of order from retirement savings account.

⁴ Please note that only users with at least read only right on the bank account linked to the SMS service and right of disposal on the account to be charged are entitled to apply for a new or change an existing SMS notification service. To apply for a new or to change an existing SMS notification service - linked to a debit card - only users with at least read only right on the bank account linked to the debit card and right of disposal on the account to be charged are entitled.