23.12.2011 Official Journal of the European Union L 343(77 COMMISSION IMPLEMENTING DECISION of 16 December 2011 exempting certain financial services in the postal sector in Hungary from the application of Directive 2004/17/EC of the European Parliament and of the Council coordinating the procurement procedures of entities operating in the water, energy, transport and postal services sector (notified under document C(2011) 9197) (Only the Hungarian text is authentic) (Text with EEA relevance) (2011/875/EU) THE EUROPEAN COMMISSION, Having regard to the Treaty on the Functioning of the European Union, Having regard to Directive 2004/17/EC of the European Parliament and of the Council of 31 March 2004 coordinating the procurement procedures of entities operating in the water, energy, transport and postal services sectors (), and in particular Article 30(5) and (6) thereof, Having regard to the request submitted by post, by Magyar Posta, received on 24 June 2011, Whereas: I. FACTS (1)  On 24 June 2011, the Commission received a request pursuant to Article 30(5) of Directive 2004/17/EC, trans- mitted to the Commission by post. The Commission requested additional information to the applicant and to the Hungarian Competition Authority, by e-mails of 8 August 2011. The respective replies were received on 2 September and on 15 September 2011. The request submitted by Magyar Posta (in the following referred to as ‘Posta’) concerns various financial services provided by Posta, and consists of two parts, namely: payment services and services performed on behalf of other financial institutions. In their turn, each part concerns various financial services that have been grouped under the following headings, as defined by Posta: Payment services 1. Existing own services: 1.1. Services enabling cash to be placed on a payment account (bill payments and express bill payments), 1.2. Services enabling cash withdrawals from a payment account: (cash delivery service and pension payment service), 1.3. Money transfer services (domestic money order, international money order and Western Union money order — performed on behalf of others), () O] L 134, 30.4.2004, p. 1. 2. Account services and related payment services proposed to be provided in the future 2.1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account, 2.2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account, 2.3. Execution of payment transactions between payment accounts, 2.4. Issue of card-substitute payment instruments. Services performed on behalf of others 3.1. Intermediation of current accounts and the related products and services (retail and corporate bank account services offered on behalf of credit insti- tutions, including the accepting and forwarding of payment orders for execution, and the inter- mediation of sight deposits and fixed term deposits connected to a bank account), 3.2. Credit intermediation performed on behalf of credit institutions, 3.3. Intermediation and acceptance of payment cards performed on behalf of credit institutions (credit cards, debit cards, bank card acceptance and POS terminals), 3.4. Intermediation of investments and special purpose savings on behalf of others: (a) sales of financial instruments (government securities, investment funds and other securities); (b) intermediation of home savings products. 3.5. Intermediation of insurance products: (life insurance and non-life insurance)