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href="/portal/hu/Kondiciok">Kond铆ci贸k</a></li><li class="sf-breadcrumb__list-item" aria-current="page">Meghatalmaz谩s mint谩k mag谩nszem茅lyek sz谩m谩ra</li></ol></nav></div><div class="container hero-content"><h1 id="hagyateki__d1330627e5" class="mher-title">Hagyat茅ki 眉gyint茅z茅s, meghatalmaz谩s mint谩k</h1><p class="mher-text">mag谩nszem茅lyek sz谩m谩ra</p></div><div class="mher_image-wrapper"><picture><source media="(max-width: 767px)" srcset="/static/portal/sw/pic/Kondiciok-termek-newhero/Kondiciok-termek-767x600@2x.jpg"></source><source media="(min-width: 768px) and (max-width: 959px)" srcset="/static/portal/sw/pic/Kondiciok-termek-newhero/Kondiciok-termek-995-696@2x.jpg"></source><source media="(min-width: 960px)" srcset="/static/portal/sw/pic/Kondiciok-termek-newhero/Kondiciok-termek-1920x696@2x.jpg"></source><img src="/static/portal/sw/pic/Kondiciok-termek-newhero/Kondiciok-termek-767x600@2x.jpg" alt="" title="" /></picture></div></section></div></div><div class="content-container"><div class="content-column"><a class="bookmark" id="Szamla" aria-label=""></a><section class="mjbl" data-gtm-module="mjbl" id="mjbl_lakossagi__container" aria-label="Lakoss谩gi fizet茅si sz谩ml谩k"><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Lakoss谩gi fizet茅si sz谩ml谩k</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_fizetesiszlanyitas_direkt_nelkul_20240229.pdf" target="_blank">Fizet茅si sz谩mla nyit谩s</a><br />Ha lakoss谩gi Gr谩tisz sz谩ml谩t, lakoss谩gi devizasz谩ml谩t vagy lakoss谩gi EU alapsz谩ml谩t nyitna OTPDirekt szerz艖d茅s n茅lk眉l.<br />A meghatalmaz谩s谩n szerepl艖 al谩铆r谩s谩t 茅s okm谩nym谩solat谩t magyarorsz谩gi k枚zjegyz艖vel vagy magyar k眉lk茅pviselettel kell hiteles铆ttetnie.<br />Az OTP Bank k茅rheti 脰nt艖l, hogy foglaltassa k枚zokiratba a sz谩mlanyit谩sra vonatkoz贸 meghatalmaz谩s谩t.<br />Az al谩铆r谩s谩nak hiteles铆t茅s茅t 茅s a k枚zokirat ki谩ll铆t谩s谩t 谩ltal谩ban b谩rmelyik k枚zjegyz艖n茅l kezdem茅nyezheti.<br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_Igenylolap_fizetesiszamlanyitas_20240229.pdf" target="_blank">Ig茅nyl艖lap fizet茅si sz谩mla nyit谩shoz </a><br />Javasoljuk, hogy a meghatalmaz谩shoz csatolja a sz谩mla megnyit谩s谩hoz sz眉ks茅ges ig茅nyl艖lapot is. 脥gy koll茅g谩ink tudni fogj谩k, melyik sz谩mla megnyit谩s谩ra 茅s milyen szolg谩ltat谩sokra terjed ki a meghatalmaz谩sa. Ha a meghatalmaz谩s谩hoz nem csatol ig茅nyl艖lapot, a meghatalmazottja 谩ltal ig茅nyelt sz谩mlat铆pust 茅s szolg谩ltat谩sokat bocs谩tjuk az 脰n rendelkez茅s茅re.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_diakhitelszamla_20240110.pdf" target="_blank">OTP Di谩khitel sz谩mla nyit谩sa</a><br />OTP Di谩khitel Sz谩mla nyit谩sra meghatalmazott 煤tj谩n kiz谩r贸lag abban az esetben van lehet艖s茅g, amennyiben a meghatalmaz贸 a sz谩mlanyit谩s id艖pontj谩ban m谩r rendelkezik OTPdirekt internetes szolg谩ltat谩s ig茅nybev茅tel茅re vonatkoz贸 OTPdirekt szerz艖d茅ssel.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_FizetesiSzamlaEsetiRendelkezes_20240229.pdf" target="_blank">Fizet茅si sz谩mla feletti eseti rendelkez茅s</a><br />Ha egy meghat谩rozott tranzakci贸 (pl. 谩tutal谩s, k茅szp茅nzfelv茅t, stb.) elv茅gz茅s茅re adna meghatalmaz谩st.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_FizetesiSzamla_Szerzodesmodositas.pdf" target="_blank">Fizet茅si sz谩mla szerz艖d茅sm贸dos铆t谩s</a><br />Ha az al谩bbiak valamelyik茅re adna meghatalmaz谩st:<br />- sz谩mlakonstrukci贸 m贸dos铆t谩sa vagy kedvezm茅nyelemek ig茅nyl茅se, lemond谩sa,<br />- alsz谩ml谩k ig茅nyl茅se, lemond谩sa,<br />- lakoss谩gi bet茅ti f艖k谩rtya vagy t谩rsk谩rtya ig茅nyl茅se, bet茅ti k谩rtya visszaszolg谩ltat谩sa vagy letilt谩sa,<br />- sz谩mlakivonat el茅r茅s m贸dj谩nak m贸dos铆t谩sa,<br />- t枚rv茅nyes k茅pvisel艖 lekapcsol谩sa,<br />- k枚lts茅gvisel艖 sz谩mla m贸dos铆t谩sa,<br />- m谩sodlagos sz谩mlaazonos铆t贸k regisztr谩ci贸ja, t枚rl茅se, fel眉lvizsg谩lata.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_FIzetesiSzamlaMegszuntetes_20240229.pdf" target="_blank">Fizet茅si sz谩mla megsz眉ntet茅s</a><br />Ha fizet茅si sz谩ml谩j谩t, sz谩mlacsomagj谩t vagy devizasz谩mla szerz艖d茅s茅t sz眉ntetn茅 meg.</p></li></ul></mjbl></section><a class="bookmark" id="Kartya" aria-label=""></a><section class="mjbl" data-gtm-module="mjbl" id="mjbl_bankkartya_container" aria-label="Bankk谩rty谩k"><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Bankk谩rty谩k</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_FizetesiSzamla_Szerzodesmodositas.pdf" target="_blank">K谩rtyaig茅nyl茅s, megsz眉ntet茅s</a><br />Ha lakoss谩gi bet茅ti f艖k谩rtya vagy t谩rsk谩rtya ig茅nyl茅s茅re, bet茅ti k谩rtya visszaszolg谩ltat谩s谩ra vagy letilt谩s谩ra adna meghatalmaz谩st.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LakossagiBetetiKartyaAtvetel_20240229.pdf" target="_blank">K谩rtya谩tv茅tel</a><br />Ha a k谩rtyabirtokos lakoss谩gi bet茅ti f艖k谩rtya vagy t谩rsk谩rtya 茅s a hozz谩 tartoz贸 PIN k贸d 谩tv茅tel茅re adna meghatalmaz谩st. Megl茅v艖 k谩rty谩hoz legy谩rtott 煤j PIN k贸d meghatalmaz谩ssal nem vehet艖 谩t.</p><p class="mjbl-flowing-text"><br /><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_Hitelkartya_atvetel.pdf" target="_blank">Hitelk谩rtya谩tv茅tel</a><br />Ha a k谩rtyabirtokos lakoss谩gi f艖- vagy t谩rshitelk谩rtya 茅s a nem akt铆v hitelk谩rty谩hoz tartoz贸 PIN k贸d 谩tv茅tel茅re adna meghatalmaz谩st. Megl茅v艖 k谩rty谩hoz legy谩rtott 煤j PIN k贸d meghatalmaz谩ssal nem vehet艖 谩t.</p></li></ul></mjbl></section><a class="bookmark" id="Megtakaritas" aria-label=""></a><section class="mjbl" data-gtm-module="mjbl" id="mjbl_ertekpapir_container" aria-label="脡rt茅kpap铆r t铆pus煤 megtakar铆t谩sok"><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>脡rt茅kpap铆r t铆pus煤 megtakar铆t谩sok</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Eseti_meghatalmazas_Ertekpapirszamla_nyitas_20240229.pdf" target="_blank"> 脡rt茅kpap铆rsz谩mla nyit谩s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Eseti_meghatalmazas_Ertekpapirszamla_20240229.pdf" target="_blank"> 脡rt茅kpap铆rsz谩mla feletti rendelkez茅s (megsz眉ntet茅s is)</a></p></li></ul></mjbl><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Takar茅kbet茅tek, G茅pkocsinyerem茅ny bet茅t</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_Takarekbetet_megszuntetes_20240229.pdf" target="_blank">Takar茅kbet茅t megsz眉ntet茅s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Eseti_meghatalmazas_GKnyeremenybetet_megszuntetes_20240229.pdf" target="_blank">G茅pkocsinyerem茅ny bet茅t megsz眉ntet茅s</a></p></li></ul></mjbl></section><a class="bookmark" id="Hitel" aria-label=""></a><section class="mjbl" data-gtm-module="mjbl" id="mjbl_fogyasztas_container" aria-label="Fogyaszt谩si hitelek"><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Fogyaszt谩si hitelek</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_Folyoszamlahitel_keretcsokkentes_20240229.pdf" target="_blank">Foly贸sz谩mlahitel keretcs枚kkent茅si meg谩llapod谩s k枚t茅s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_folyoszamlahitel_reszletfizetes_20240410.pdf" target="_blank">Foly贸sz谩mlahitel r茅szletfizet茅si meg谩llapod谩s k枚t茅s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_Lombardhitel_20240229.pdf" target="_blank">Lombard k枚lcs枚n ig茅nyl茅s 茅s szerz艖d茅sk枚t茅s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_FHBO_Szerzodesmodositas.pdf" target="_blank">Szerz艖d茅sm贸dos铆t谩s</a><br />Szem茅lyi k枚lcs枚n, Min艖s铆tett fogyaszt贸bar谩t szem茅lyi hitel, Fel煤j铆t谩si szem茅lyi k枚lcs枚n, 脕ruv谩s谩rl谩si 茅s szolg谩ltat谩si gyorsk枚lcs枚n, Tartoz谩srendez艖 k枚lcs枚n, Lombard hitel, valamint 脰nk茅ntes nyugd铆jp茅nzt谩ri tagoknak ny煤jtott szem茅lyi k枚lcs枚n szerz艖d茅sek eset茅n</p></li></ul></mjbl><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Ingatlanfedezet疟 hitelek</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Kozokirat-tajekoztato_20220330.pdf" target="_blank">T谩j茅koztat贸 a k枚zokiratba foglalt meghatalmaz谩sok formai 茅s tartalmi elemeir艖l</a><br />A t谩j茅koztat贸ban le铆rtak szerint a meghatalmaz谩st adott esetben k枚ziratba sz眉ks茅ges foglalni. Javasoljuk, hogy 眉gyint茅z茅s el艖tt 茅rdekl艖dj枚n munkat谩rsainkn谩l ennek sz眉ks茅gess茅g茅r艖l.</p><p class="mjbl-flowing-text"><strong><br />脷j hitelig茅nyl茅s eset茅n</strong></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_hiteligenyles.pdf" target="_blank">Hitelig茅nyl茅s</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Eseti_meghatalmazas_Adasveteli_szerz_megkotes_20240229.pdf" target="_blank">Ad谩sv茅teli szerz艖d茅s megk枚t茅se</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_akadalymentesitesi_tamogatas_20240601.pdf" target="_blank">Akad谩lymentes铆t茅si t谩mogat谩s ig茅nyl茅se</a></p><p class="mjbl-flowing-text"><strong><br />Megl茅v艖 hitelek eset茅n</strong></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_szerzodesmodositas.pdf" target="_blank">Hitelszerz艖d茅s m贸dos铆t谩sa</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_tamogatas_szerzodesmodositas_20240229.pdf" target="_blank"> 脕llami t谩mogat谩si szerz艖d茅s m贸dos铆t谩sa</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_igazolas_keres.pdf" target="_blank"> Hitelekhez kapcsol贸d贸 igazol谩s k茅r茅se</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_elotorlesztes.pdf" target="_blank">Hitel el艖t枚rleszt茅se</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_vegtorlesztes.pdf" target="_blank">Hitel v茅gt枚rleszt茅se</a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_LAHI_torlesi_engedely_atvetel.pdf" target="_blank">T枚rl茅si enged茅ly 谩tv茅tele</a></p></li></ul></mjbl></section><a class="bookmark" id="Hagyatek" aria-label=""></a><section class="mjbl" data-gtm-module="mjbl" id="mjbl_hagyateki__container" aria-label="Hagyat茅ki 眉gyint茅z茅s"><mjbl type="mjbl-accordion useful-info" opened="mjbl_item"><span slot="header" class="useful-info-icon"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"> <g fill="#9E9E9E" fill-rule="evenodd"> <path d="M10 2c-4.411 0-8 3.589-8 8s3.589 8 8 8 8-3.589 8-8-3.589-8-8-8m0 18C4.486 20 0 15.515 0 10 0 4.486 4.486 0 10 0s10 4.486 10 10c0 5.515-4.486 10-10 10"></path> <path d="M10.996 10.996h-2V3.998h2zM11.246 13.995a1.25 1.25 0 1 1-2.5-.001 1.25 1.25 0 0 1 2.5 0"></path> </g> </svg>Hagyat茅ki 眉gyint茅z茅s</span><ul slot="content" class="mjbl-content__list"><li class="mjbl-content__list-item"><p class="mjbl-flowing-text"><strong>脕ltal谩nos t谩j茅koztat贸k</strong></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Alt_taj_varhato_orokosok_hagyatek_20241114.pdf" target="_blank">V谩rhat贸 枚r枚k枚s枚k r茅sz茅re </a></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Alt_taj_orokosok_hagyatek_20231227.pdf" target="_blank">脰r枚k枚s枚k r茅sz茅re</a></p><p class="mjbl-flowing-text"><strong><br />Meghatalmaz谩sok</strong></p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Meghatalmazas_HagyatekUgyintezes_20240229.pdf" target="_blank">Hagyat茅k 谩tv茅tele</a><br />Ha az 枚r枚khagy贸 nev茅n vezetett fizet茅si sz谩ml谩k z谩r谩s谩ra, az 枚r枚k枚lt 枚sszeg kifizet茅s茅re, vagy hagyat茅ki tartoz谩s rendez茅s茅re adna meghatalmaz谩st.</p><p class="mjbl-flowing-text"><a class="sf-link" href="/static/portal/sw/file/Eseti_meghatalmazas_Hagyatekhoz_20240229.pdf" target="_blank">Hagyat茅k 谩tv茅tele - 茅rt茅kpap铆r sz谩mla megnyit谩s谩val</a><br />Ha az 枚r枚khagy贸 nev茅n vezetett fizet茅si sz谩ml谩k z谩r谩s谩ra, az 枚r枚k枚lt 枚sszeg kifizet茅s茅re, vagy hagyat茅ki tartoz谩s rendez茅s茅re adna meghatalmaz谩st, amelyhez 茅rt茅kpap铆r sz谩mla nyit谩sa is sz眉ks茅ges. 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30.1949C22.7993 30.1949 29.3602 23.4667 29.3602 15.0974H24.0295C24.1115 20.5128 19.8469 24.7795 14.6801 24.7795ZM8.20118 15.1795C8.20118 18.8718 11.1536 21.8256 14.7621 21.8256C18.3707 21.8256 21.3231 18.8718 21.3231 15.1795C21.3231 11.4872 18.3707 8.53333 14.7621 8.53333C11.1536 8.53333 8.20118 11.4872 8.20118 15.1795ZM23.0453 10.5026C25.0956 10.5026 26.8179 8.77949 26.8179 6.64615C26.8179 4.51282 25.1776 2.78974 23.0453 2.78974C20.995 2.78974 19.2728 4.51282 19.2728 6.64615C19.2728 8.86154 20.995 10.5026 23.0453 10.5026Z" fill="white"></path> </svg></template></legal-documents><tiny-url xmlns:sw="shiwa"></tiny-url></footer></div></div><gdpr-consent main-desc-prefix="Az " type="portal" closable="true" disclaimer-url="https://www.otpbank.hu/static/portal/sw/file/Sutitajekoztato.pdf" site-name="OTP Bank"><template slot="level1List" id="level1List"><ul class="sf-list"><li class="sf-listitem">Munkamenet (session) s眉tik</li><li class="sf-listitem">Haszn谩latot el艖seg铆t艖 s眉tik</li><li 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