banif finance, ltd.

“Accrual Yield” has the meaning given in the relevant Pricing Supplement;“Additional Business Centre(s)” means the city or cities specified as such in the relevant PricingSupplement;“Additional Financial Centre(s)” means the city or cities specified as such in the relevant PricingSupplement;“Business Day” means:(i)(ii)in relation to any sum payable in euro, a TARGET Settlement Day and a day on whichcommercial banks and foreign exchange markets settle payments generally in each (if any)Additional Business Centre; andin relation to any sum payable in a currency other than euro, a day on which commercial banksand foreign exchange markets settle payments generally in London, in the Principal FinancialCentre of the relevant currency and in each (if any) Additional Business Centre;“Business Day Convention”, in relation to any particular date, has the meaning given in the relevantPricing Supplement and, if so specified in the relevant Pricing Supplement, may have differentmeanings in relation to different dates and, in this context, the following expressions shall have thefollowing meanings:(i)(ii)(iii)(iv)“Following Business Day Convention” means that the relevant date shall be postponed to thefirst following day that is a Business Day;“Modified Following Business Day Convention” or “Modified Business Day Convention”means that the relevant date shall be postponed to the first following day that is a Business Dayunless that day falls in the next calendar month in which case that date will be the firstpreceding day that is a Business Day;“Preceding Business Day Convention” means that the relevant date shall be brought forwardto the first preceding day that is a Business Day;“FRN Convention”, “Floating Rate Convention” or “Eurodollar Convention” means thateach relevant date shall be the date which numerically corresponds to the preceding such datein the calendar month which is the number of months specified in the relevant PricingSupplement as the Specified Period after the calendar month in which the preceding such dateoccurred provided, however, that:(A)(B)(C)if there is no such numerically corresponding day in the calendar month in which anysuch date should occur, then such date will be the last day which is a Business Day inthat calendar month;if any such date would otherwise fall on a day which is not a Business Day, then suchdate will be the first following day which is a Business Day unless that day falls in thenext calendar month, in which case it will be the first preceding day which is a BusinessDay; andif the preceding such date occurred on the last day in a calendar month which was aBusiness Day, then all subsequent such dates will be the last day which is a BusinessDay in the calendar month which is the specified number of months after the calendarmonth in which the preceding such date occurred; and(v)“No Adjustment” means that the relevant date shall not be adjusted in accordance with anyBusiness Day Convention;“Calculation Agent” means the Principal Paying Agent or such other Person specified in the relevantPricing Supplement as the party responsible for calculating the Rate(s) of Interest and InterestAmount(s) and/or such other amount(s) as may be specified in the relevant Pricing Supplement;14