Public Offering I. The number and date of the licence granted by the Hungarian Financial Supervisory Authority

Átírás

1 Public Offering I. The FHB Land- Credit- and Mortgage Bank Ltd., as Issuer publicly offers to launch the below specified Issue Program of 2002/II starting in October The number, contents and date of the decision on the Issue: based on the No. 30/2002. ( ) resolution of the Board of Directors of FHB Ltd. and the No. 60/2002. ( ) resolution of the Assets/Liabilities Committee FHB Ltd. launch the second Issue Program of maximum total nominal value 58 billion Forints in 2002, which contains five series to be publicly issued. All of these series are fixed interest rate, three of them have 5-6, two of them have 9,5-10,5 year maturity. Pursuant to the relevant legal regulations FHB Ltd. will use the proceeds from the Issue to finance its mortgage lending operations. The mortgage bonds are to be issued in form of auction/subscription procedure. In the FHB Ltd s second 2002/II. Issue Program the following Investment Banks and Brokerage Houses as Managers and points of sale (consortion members) will take part: Aegon Hungary Securities Ltd., the CAIB Ltd., the CIB Securities Ltd., the ConCorde Securities Ltd., the Hungarian Foreign Trade Bank Ltd., a Raiffeisen Securities and Investment Ltd. and the Bank of Hungarian Savings Cooperative Ltd. Pursuant the Article 40 of the No CXII Act of 2001 on The Capital Market Act (Tpt), in the case of the stand alone series to be issued under the auspices of the Issue Program the Lead Manager of the series will be one of those Investment Banks and Brokerage Houses mentioned above and it shall bear joint and several liability as regard the given series together with the Issuer. Pursuant to Article 31 (3) of the Tpt. the information of the liability shall be published by the Issuer The number and date of the licence granted by the Hungarian Financial Supervisory Authority (HFSA) to the Prospectus of the Issue Program starting in 2002 and the disclosure of the public issue: III./10.305/ September Public Offering II. The FHB Land- Credit- and Mortgage Bank Ltd., as Issuer publicly offers to issue the first series part of FHB Covered Mortgage Bond FJ08NF02 with minimum HUF 100,000,000 that is one hundred million Forints nominal value, maximum HUF 10,000,000,000, that is ten billion Forints nominal value, minimum 10,000 pcs, that is ten thousand pieces, maximum 1,000,000 pcs, that is one million pieces, HUF 10,000, that is ten thousand Forints nominal value registered, dematerialised covered mortgage bonds with a maturity date of 16. March 2008, fixed interest rate, annual interest payment, to be issued under the auspices of the second Issue Program starting in the year of The mode of the issue is auction procedure. The number and date of the licence granted by the Hungarian Financial Supervisory Authority (HFSA) to the Prospectus of the second Issue Program starting in 2002 and the disclosure of the public issue: III./10.305/ September The base of the issue: the No. 30/2002. (11. July) resolution of the Board of Directors of FHB Ltd. and the No. 60/2002, (4. July) and 86/2002 (27. September) resolution of the Assets/Liabilities Committee. Pursuant to the relevant legal regulations the FHB Ltd. will use the proceeds from the Issue to finance its mortgage lending operations. The mortgage bonds shall be issued in form of auction procedure. Lead Manager: Managers: Aegon Hungary Securities Ltd., CAIB Securities Ltd., CIB Securities Ltd., ConCorde Securities Ltd., Hungarian Foreign Trade Bank Ltd., Raiffeisen Securities and Investment Ltd., Bank of Hungarian Savings Cooperative Ltd.

2 The planned maximum total nominal value of the Series: Total nominal value of the Covered Mortgage Bond offered: Amount to be purchased: Time of the Auction Date of the Issue of this (No. 01) part of the Series: First day of the maturity and interest earning of the Covered Mortgage Bond: Maturity date of the Covered Mortgage Bond: The interest rate: Accrued interest: Limit price for the Auction Interval of price increment: Financial coverage for the performance of the liability:: Possible subscribers of the Covered Mortgage Bond: Dates of interest payment: Principal repayment: Upper limit of the Issue: Maximum HUF 10,000,000,000 that is ten billion forints Minimum HUF 100,000,000, that is one hundred million forints, maximum HUF 10,000,000,000, that is ten billion forints HUF 10,000 nominal value or its multiples On 14 October 2002 between 2.00 p.m. and 3.00 p.m. 14 October October March 2008 The fixed interest rate of the Covered Mortgage Bond will be published on October 11, The accrued interest is 0 % on October 16,2002 that is HUF 0 for each HUF Covered Mortgage Bond No limit price is established by FHB Ltd. In the case of the covered mortgage bonds the interval of price increment is 1 basis point, that is 0.01% in yield The Covered Mortgage Bond is a commitment undertaken by FHB Ltd. backed by regular and substitute coverage. The coverage originates from the principal repayments and interest payments received from the mortgage loans. The ultimate coverage is the mortgage registered with FHB Ltd. as mortgagee. The Covered Mortgage Bonds may be purchased by any resident or nonresident natural person and legal entity as well as any such organisation without legal entity. Holding of a securities account is a pre-requisite for subscription. 16. March March March March March March In the secondary market on the dates of the interest rate payment the accrued interest of the Covered Mortgage Bond is 0 %. In one lump sum, upon maturity. The Issuer shall not accept bids for purchase of the Covered Mortgage Bonds in excess of the total of 1,000,000 (one million) Covered Mortgage Bonds offered by the Issuer through the Auction.

3 Allocation: The form of the Covered Mortgage Bond: Secondary market of the Covered Mortgage Bonds, introduction to the Exchange: Further issues: Notices, place of disclosure of information Auction counter bidders shall allocate the Covered Mortgage Bonds allocated to them based on the principle of card dealing. Dematerialised Covered Mortgage Bond The Part Series of the Covered Mortgage Bonds issued based on this prospectus shall be introduced to the Budapest Stock Exchange on the second day following the closure of the Auction (on 16 October 2002). The Issuer shall be entitled to issue additional part series from time to time, without consent by the already existing Covered Mortgage Bond holders, the conditions of which shall be identical with those of this Issue, with the exception of the date of the Issue. The Covered Mortgage Bonds issued in this form as part series shall constitute bonds belonging to the same series of bonds with those issued earlier All notices to Investors with respect to the Covered Mortgage Bonds issued through a public issue shall be considered as properly made according to Article 37 (5) of the Capital Market Act if they have been disclosed in Hungary in an official journal (in the daily paper disclosing all notices of the Issuer (at present: the daily Magyar Hírlap) or in one printed daily paper publishing official information originating from the participants of the capital market, issued by the Supervision or recognised by the Supervision as such (at present Magyar Tõkepiac). The Issuer shall ensure that the notices are disclosed in accordance with the rules and regulations of the Budapest Stock Exchange in the case of Covered Mortgage Bonds that have or are to be published in e- home page of the exchange. Points of sale Aegon Hungary Securities Ltd Budapest, Üllõi út 1. Tel.: , fax: Opening hours: Monday, Wednesday, Thursday: Tuesday: Friday: Aegon Hungary Securities Ltd. Ügyfélszolgálati Iroda 1025 Budapest, Bécsi út 3-5. Tel.: , fax: Opening hours: Monday, Wednesday, Thursday: Tuesday: Friday: CA IB Securities Ltd Budapest, Nagysándor J. u. 10 Tel.: Fax : Opening hoursi idõ: H-P : 8:30-16:00 ConCorde Securities Ltd.

4 1051 Budapest, Vörösmarty tér floor Tel.: fax: Opening hours: Monday-Friday: ConCorde Securities Ltd. Internet home page: CIB Securities Ltd Budapest, Medve u Opening hours: Monday, Tuesday, Thursday: Wednesday: Friday: and the following branches of CIB Central European International Bank Ltd. : Budapest, Medve u , Tel.: , fax: Budapest, Andrássy út 70., Tel.: , fax: Budapest, Petõfi Sándor u. 9., Tel.: , fax: Budapest, Hess A. tér 1-3., Tel.: , fax: Budapest, Munkásotthon u. 22., Tel.: , fax: Opening hours of 1-5 branches: Monday, Tuesday, Thursday: , Wednesday: , Friday: Budapest, Kerepesi út 146., Tel.: , fax: Budapest, Flórián tér 6-9., Tel.: , fax: Budapest, Károly krt. 3/b., Tel.: , fax: Budapest, József krt , Tel.: , fax: Budapest, Szent István krt. 15., Tel.: , fax: Törökbálint, Bajcsy-Zsilinszky u. 75., Tel.: (23) , fax: (23) Budapest, Kékgolyó u. 1., Tel.: , fax: Budapest, Krisztina tér 10., Tel.: , fax: Opening hoursi of 6-13 branches: Monday, Tuesday, Thursday: és , Wednesday: és , Friday: Budapest, Gábor Áron u , Rózsakert Üzletház, Tel.: , fax: Opening hours of 14. branch: Monday, Tuesday: , Wednesday, Thursday, Friday: és Szeged, Kiss Menyhért u. 1., Tel.: (62) , fax: (62) Békéscsaba, Szent István tér 2., Tel.: (66) és (66) , fax: (66) Pécs, Ferencesek utcája 33., Tel.: (72) , fax: (72) Nyíregyháza, Szarvas u. 7., Tel.: (42) , fax: (42) Debrecen, Simonffy u. 2/a, Tel.: (52) , fax: (52) Miskolc, Déryné u. 11., Tel.: (46) , fax: (46) és (46) Szeged, Mérey u. 6/c., Tel.: (62) , fax: (62) Gyõr, Czuczor Gergely u. 26., Tel.: (96) , fax: (96) Gyõr, Aradi vértanúk u. 10., Tel.: (96) , fax: (96) Székesfehérvár, Távirda u. 2/B, Tel.: (22) , fax: (22) Opening hoursi of branches: Monday, Tuesday, Thursday: , Wednesday: , Friday: Hódmezõvásárhely, Deák Ferenc u. 15., Tel.: (62) , fax: (62) Kecskemét, Széchenyi tér 14., Tel.: (76) , fax: (76) Kaposvár, Kossuth Lajos u. 2., Tel.: (82) , fax: (82) Gödöllõ, Szabadság tér , Tel.: (28) , fax: (28) Szekszárd, Garay tér 1., Tel.: (74) , fax: (74) Barcs, Erkel Ferenc u. 1., Pólus Ring Bevásárlóközpont, Tel.: (82) , fax: (82) Nagykanizsa, Király u. 53., Tel.: (93) , fax: (93)

5 Eger, Érsek u. 1., Tel.: (36) , fax: (36) Salgótarján, Rákóczi út 1-9., Tel.: (32) , fax: (32) Gyöngyös, Szent Bertalan u. 1., Tel.: (37) , fax: (37) Szolnok, Szapáry u. 22., Tel.: (56) , fax: (56) Orosháza, Széchenyi tér 1, Tel.: (68) , fax: (68) Vác, Széchenyi u. 4-6., Tel.: (27) , fax: (27) Baja, Déri Frigyes sétány 1-3., Tel.: (79) , fax: (79) Esztergom, Széchenyi tér 24., Tel.: (33) , fax: (33) Sopron, Várkerület 73., Tel.: (99) , fax: (99) Zalaegerszeg, Kossuth Lajos utca 8-10., Tel.: (92) , fax: (92) Dunaújváros, Dózsa György út 2., Tel.: (25) , fax: (25) Szombathely, Fõ tér 33., Tel.: (94) , fax: (94) Veszprém, Szeglethy u. 1., Tel.: (88) , fax: (88) Mátészalka, 4700 Kazinczy u. 2., Tel.: (44) , fax: (44) Opening hoursi of branches: Monday, Tuesday, Thursday: és , Wednesday: és , Friday: Hunagrian Foreign Trade Bank Ltd Budapest, Váci u. 38. Tel.: fax: Opening hours: Monday-Thursday: Friday: Raiffeisen Securities and Investment Ltd Budapest, Akadémia u. 6. Tel.: fax: and the following branches of Raiffeisen Bank Ltd. : Debrecen, Péterfia utca 18. (Plaza) Tel.: 52/ fax: 52/ Gyõr, Arany János u Tel.: 96/ fax: 96/ Kecskemét, Vágó utca 2-4. Tel.: 76/ fax: 76/ Miskolc, Bajcsy Zsilinszky utca 2-4. (Szinva park) Tel.: 46/ fax: 46/ Pécs, Irgalmasok útja 20. Tel.: 72/ fax: 72/ Szeged, Kossuth Lajos sugárút Tel.: 62/ fax: 62/ Székesfehérvár, Palotai út 1. (Albaplaza) Tel.: 22/ fax: 22/ Szombathely, Fõ tér 36. Tel.: 94/ fax: 94/ Bank of Hungarian Savings Cooperative Ltd Budapest, Pethényi köz 10. Tel.: , fax: and the following saving banks: 1. Fókusz Takarékszövetkezet 6000 Kecskemét, Szabadság tér 3/a. Tel.: 76/ fax: 76/ Kiskunmajsa, Fõ út 57. Tel.: 77/ fax:77/ Mélykút, Petõfi tér 3. Tel.: 77/ fax:77/ Halászi Takarékszövetkezet 9023 Gyõr, Liszt F. u. 34. Tel. 96/ fax:96/ Mosonmagyaróvár, Magyar u Tel.: 96/ fax:96/ Háromkõ Takarékszövetkezet 3100 Salgótarján, Erzsébet tér 5. Tel.: 32/ fax:32/ Ják és Vidéke Takarékszövetkezet 9700 Szombathely, Petõfi S. u. 18. Tel.: 94/ fax:

6 8. Partiscum XI Takarékszövetkezet 6720 Szeged, Horváth M.u.1/b. telefon: 62/ fax:62/ Mohács és Vidéke Takarékszövetkezet 7700 Mohács, Radnóti ltp. 3. Tel.: 72/ fax:72/ Pécs, Citrom u. 5. Tel.: 69/ fax:69/ Orgovány és Vidéke Takarékszövetkezet 6000 Kecskemét, Trombita u. 6. Tel.: fax: Polgár és Vidéke Takarékszövetkezet 4026 Debrecen, Péterfia u. 4. Tel.: 52/ fax:52/ Tiszaújváros, Szt. István u. 25/b. Tel.: 49/ fax:49/ Szigetvár és Vidéke Takarékszövetkezet 7634 Pécs, Páfrány u. 2/a. Tel.: 72/ fax:72/ Szigetvár, József A. u. 19. Tel.: 73/ fax:73/ Komló, Kossuth u. 40. Tel.: 72/ fax:72/ Tata és Vidéke Takarékszövetkezet 2890 Tata, Ady E. u. 17. Tel.: 34/ fax:34/ Tata, Keszthelyi út 8/d. Tel.: 34/ fax:34/ Völgységi Takarékszövetkezet 7100 Szekszárd, Széchenyi út 62. Tel.: 74/ fax:72/