SERVICES AVAILABLE IN THE INSTALLED SPECTRA AND SPECTRA LIGHT CLIENT PROGRAMS APPLICATIONS

	Spectra	SpectraNet Light
Account balance (booked, available, reserved, overdraft limit)	√	√
Account history	√	√
Account balances	√	√
Account statement in PDF format (it is qualified as an accounting record if it is provided with a certified digital signature and a time stamp)	√	√
Electronic account statement in UniCredit format	√	√
Notifications
Notification on postal cash payment orders	√	√
Notification on postal cheques	√	√
Notices on batch transfers	√	-
Direct debit notices	√	-
Confirmation of authorisations	√	-
Orders
HUF transfer (incl. VIBER)	√	√
FX transfers	√	√
EU transfers	√	√
SEPA transfers	√	√
HUF transfers between own accounts	√	√
FX transfers between own accounts	√	√
HUF Standing orders / compensations (new, amendment, deletion)	√	√
Direct debit authorisations (set up, modification, cancellation)	√	√
Batch transfers	√	-
Direct debit	√	-
Applying for electronic account statements	√	√
Prompt collection orders	√	-
Postal cash payment orders	√	√
Opening term deposits	√	√
Terminating term deposits	√	√
Viewing and cancelling pending HUF transactions	√	√
Free form letters/orders¹	√	√
Announcement of cash withdrawals²	√	√
Cash delivery orders	√	-
Authorisation to release account information²	√	-
Instruction to release coverage certificate²	√	-
Drawdown of loan²	√	-
Security functions
Account balance (account balance. available balance, market value)	√	√
Account history	√	√
Account Statement	√	√
Trading listed shares	√	√
Distribution of domestic and international Pioneer investment funds	√	√
Distribution of external investment funds	√	√
Securities transfer	√	√
Viewing and withdrawal of pending transactions	√	√
SMS service³
SMS notifications related to a bank account (viewing actual settings / new application / modification)	√	√
SMS notifications related to a debit card (viewing actual settings/new application / amendment)	√	√
Banking information queries (currency and FX rates; interest rates)	√	√
Interest calculation	√	-
Other services
Hungarian, English and German-language versions	√	√
Managing templates	√	√
Setting up default account numbers for each type of order	√	√
Handling multiple signatures	√	√
Export and import function (order packages, templates, statements, notices), data exchange with accounting systems	√	√
Electronic mailbox function: sending orders to different installation sites to be (further) signed, modified or sent to the bank	√	√
Electronic mailbox function: Delivering orders initiated on SpectraNet System (and conversely) to be (further) signed, modified or sent to the bank.	√	√
Management of the accounts of multiple Account Holders with a single User ID.	√	√
Multi Client: Through client software installed on one computer, several account holders can dispose over accounts held at our bank	√	√
Multi Site: Various copies of the client software may be installed at multiple locations, even at the account holders’ business sites abroad, and the access rights and passwords of signatories can be used automatically from every site	√	√
Network operation	√	√
Viewing logs	√	√
Help	√	√
Installation and subsequent support on site	√	-

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¹As of 1 November 2009 these types of orders are not available for private individuals and Small Business Clients.

²For order types marked with an asterisk, signature rights will be verified on the basis of the so-called Letter Execution Score, while for other order types based on the Authority Score belonging to the given account.
For client software with a version number lower than V5.10.01 when giving instructions on making and cancelling deposits and cash delivery, signature rights will be verified through checking the “Authority Score”.

³ Users can apply for or amend an SMS notification to a bank account with regard to which they have at least query rights, and they have disposal rights over the account specified as a fee paying account. Users can apply for or amend an SMS notification to a debit card where with regard to the underlying bank account they have at least query rights, and they have disposal rights over the account specified as a fee paying account.