LAMDA CARD SERVICES GENERAL TERMS AND CONDITIONS FOR PREPAID CARDS (Applicable to all Card Profiles)

Transcription

1 LAMDA CARD SERVICES GENERAL TERMS AND CONDITIONS FOR PREPAID CARDS (Applicable to all Card Profiles) Last Updates on 03/04/2017 (updates valid from 10/04/2017) Welcome to Lamda Card Services LTD Thank you for using our card services, which are governed by these Terms and Conditions, applicable to all Prepaid Card profiles (hereinafter Card, Cards ). Please read them carefully. By clicking "I agree to the Terms and Conditions", you agree to be bound by these Terms and Conditions. Our Terms and Conditions are also available to be printed at your convenience from the link Terms and Conditions CONTACT INFORMATION You can contact Lamda Card Services ( Lamda, "We", "Us" or "Our") Customer Service Team by: I. the web at which is also referenced on the reverse of each of the Lamda Prepaid MasterCard cards or II. reference to the user guide provided with your Card; or III. telephone using the following telephone number or IV. cardapplications@lamdacardservices.com Monitoring of Calls Calls to Lamda, may be recorded and/or monitored for quality assurance, training purposes and as a record of our conversation. Calls may also be charged according to your service provider. Please contact your service provider for details. Personal Data Protection Lamda Card Services Ltd is committed to the protection, in the highest degree possible, of the non public personal data of the users of this website and lawfully to process these data, pursuant to the provisions of the legislation regarding the Processing of Personal Data Law. (N.138 (1)/2001) In this context and amongst its other obligations, Lamda undertakes not to disclose the non-personal personal data of the users of this website to any third parties unless such disclosure is required by Law or if the users of the website provide their consent thereto. In case of the recording of Sensitive Personal Data, pursuant to data processing law, Lamda must proceed immediately to their deletion unless the legal requirements for their processing are fulfilled. You are at any time entitled to be informed about your personal data We keep, and to update or refuse any further processing of your Personal Data pursuant to articles 12 and 13 of Law N.138 (1)/2001, by contacting Us.

2 Anti-Money Laundering Policy In its effort to combat Money Laundering, Lamda Card Services has an Anti-Money Laundering policy, including maintaining and updating sanctioned lists, which conforms to Cyprus Legislation and Central Bank guidelines and directives in order to adhere to prescribed procedures for customer identification, record keeping and internal reporting, as well as to ensure that employees are aware of their obligations under the Law and receive adequate training designed to assist them in recognizing suspicious Money Laundering transactions. Lamda adheres strictly to these requirements and complies fully with the provisions of the Law. It gives special emphasis on the Know Your Customer principle, and the due diligence concept. 1. FEES AND CHARGES 1.1 All fees and charges relating to the Card are detailed in the Fees Summary within these Terms and Conditions. By applying for your Card you agree to pay all applicable fees you may incur whilst using your Account. 1.2 Transaction fees will be deducted on the occasion of each at applicable transaction. Authorizations are deemed to form part of a transaction for this purpose. 1.3 Lamda Card Services has the right to amend the annual fees and the below mentioned charges upon notification of the cardholder, by any means Lamda Card Services deems appropriate, including s to all registered customers about the changes made. (For the changes made in Terms & Conditions, see paragraph 20) 1.4 In case of dispatch and delivery, the cards and PINs should be always dispatched separately for security purposes. Different dispatch fees apply for posting within and out of Cyprus. The current applicable fees for delivery of LAMDA Plastic Prepaid MasterCard Cards are: I. For single delivery within Cyprus by registered post for a Card or PIN (Card and PIN have to be send separately) there is no charge. II. For single Delivery within Cyprus by Courier for a Card or PIN (Card and PIN have to be always send separately) the charge is 4. III. For Double Delivery; distinct dispatch per item, out of Cyprus via Courier the charge is 35 (Initial customer request for a Card and PIN, sent via courier (two separate shipments) IV. For Single Delivery out of Cyprus via Courier the charge is 25; card reissue or PIN reissue (one shipment only). 1.5 In case of any return, refund or recall of funds, fees of 75 USD per transaction will be deducted. 2 PURCHASING AND USING A CARD 2.1 To purchase a Lamda Prepaid Card, you must be at least 18 years old (or minimum legal age in your country) and the resident of EU. 2.2 To activate your Card, you will need to pay the relevant Card purchase fee (as detailed in the Fees Summary within these Terms and Conditions). 2.3 These are Our Standard Terms and Conditions upon which We intend to rely in respect of a Card. If you do not understand any point, please ask for further information by contacting Our Customer Service Team as detailed above.

3 3. ACCOUNT LIMITS AND USAGE 3.1 The Card shall be used by the cardholder exclusively and always within the limits of the balance available in the account. In order to minimize misuse of the cards or fraud, We have set certain internal security limits as a maximum daily and/or per Card Transaction and/or maximum number for Card Transactions. Usage limits will depend on the type of cardholder information supplied by you at time of purchasing the Card. In order to satisfy our obligations under the Prevention and Suppression of Money Laundering Activities Law 2007, and other Cyprus legislation, you may be required to provide further information about yourself. The more information you provide to Lamda when purchasing the Card, the greater the flexibility and spending opportunity will be available to you. You can also supply information to Lamda after purchasing the Card should you wish to gain greater flexibility and potentially higher limits than those set on the date of purchasing the Card. The current usage limit levels for EURO and USD are set up in the tables in Clause 3.3 and 3.4 below. 3.2 Funds in your Account will not earn interest. 3.3 USAGE LIMITS FOR EURO Type total load per annum balance at any one time cash withdrawal per annum daily credit daily cash withdrawal daily for a purchase transaction Gold Anonym ous (prefund ed) Virtual Gold Anonym ous (prefund ed) Virtu al Virtu al Blu e 250* 250* Virtual Blue ** Platin um Black ** Student *** N/A N/A N/A N/A N/A N/A N/A ** N/A N/A N/A N/A N/A ** * *

4 Minimum Amount/tran sact daily debit (Card to Card Transfer) Daily Credit Transaction Number Daily Cash Transaction Number Daily POS Transaction Number N/A N/A N/A N/A 500 N/A 1500** N/A N/A N/A N/A N/A N/A N/A N/A N/A * The pre-denominated values are between: 20 and 250 ** In which case the additional documentation required will be on case by case basis. *** For Students Cards apply special limits, fees and KYC requirements (for more information visit These Usage limits are applicable unless We are mandated to implement immediate changes by Regulators or Central Banking organizations. 3.4 USAGE LIMITS FOR USD Type total load per annum balance at any one time cash withdrawal per annum Gold Anonymo us (prefunde d) Virtual Gold Anonymo us (prefunde d) Virtu al Virtu al Blue Virtual Blue 2 $350* $350* $700 $3500 $55.000* * Platinu m Black $3500 $70.000* * $350 $350 $700 $3.500 $ $3.500 $ N/A N/A N/A N/A N/A $1400 $70.000

5 daily credit daily cash withdrawal daily for a purchase transaction Minimum Amount/trans act daily debit (Card to Card Transfer) Daily Cash Transaction Number Daily POS Transaction Number N/A N/A $700 $3500 $ $3500 $ N/A N/A N/A N/A N/A $1400 $ $350 $350 $700 $3500 $14000 $3500 $ N/A N/A N/A N/A $500 N/A $1500** N/A N/A N/A N/A N/A * The pre-denominated values are between: $20 and $350 ** In which case the additional documentation required will be on case by case basis. These Usage limits are applicable unless We are mandated to implement immediate changes by Regulators or Central Banking organizations. 4. CARD ACTIVATION 4.1 Purchasing and loading your Card with funds for the first time does not automatically activate it. You should follow the instructions received with the card to activate your card, should activation be required. 5. LOADING YOUR CARD 5.1 You may load your Card for the first time through your payroll from your employer or through electronic bank transfers from another card or account from an EU bank. If you load the card through another card, you must be the Bank holder of the card from where the load comes from, except you are under special project. 5.2 The minimum initial load to your Card depends of type of the card. The minimum reload to your Card thereafter is listed in the clauses 3.3 and 3.4 USAGE LIMITS of Terms and Conditions.

6 6. AUTHORISING TRANSACTIONS 6.1 Subject to the type of Card you have purchased, an authorization of a transaction can include authorization for a single transaction, a recurring transaction or the preauthorization of a transaction where the final is not known at the time of the authorization. A transaction will be regarded as authorized by you when: 6.1.1You use your Lamda Card with your unique personal identification number ("PIN") to withdraw cash. A withdrawal fee will apply on each occasion (see Fees Summary within these Terms and Conditions); 6.1.2Entering your PIN or providing any other security code at the point of sale. Depending on the nature and location of the authorization, a fee may apply (see Fees Summary within these Terms and Conditions); 6.1.3Providing your Card details and / or providing other details as required. Depending on the nature and location of the authorization, a fee may apply (see Fees Summary within these Terms and Conditions); Using your Card in a reader or similar device designed to capture Card details for authorization or transaction purposes. Depending on the nature and location of the authorization, a fee may apply (see Fees Summary within these Terms and Conditions). 7. USING YOUR CARD 7.1 Instructions on how to use your Card can be found on the Lamda Card Services website address You will need to follow these instructions when using your Card. 7.2 We will deduct the value of your transactions, together with applicable fees from your Card balance immediately they are due. 7.3As with other cards, We cannot guarantee a retailer will accept your Card. 7.4 We may refuse to pay a transaction should We: believe that the transaction may be suspicious; have reasonable grounds to believe you are acting in breach of these Terms and Conditions; consider there to be insufficient funds on your Card or account; believe there is a security risk or suspect your Card is being used fraudulently or without authorization Experience any technical failures or refusal of acceptance by the retailer or payment scheme. 7.5 You can use your Lamda Card to make purchases at a retailer that displays the MasterCard logo. 7.6 Some ATMs charge an additional fee and should notify you of the fee before you confirm the transaction. This fee is imposed by another financial institution and is outside of Our control. Admin charges for Refunding Card Balances and Clearing Periods could be applied Refund of the remaining balance will be after 30 days from the termination date. 7.7 Some foreign ATMs charge an additional fee, but may not notify you in advance of the transaction confirmation. This fee is imposed by another financial institution and is outside of Our control. 7.8 We do not provide online protection for internet, mail or telephone order purchases and will not be liable for any loss you incur as a result of you using your Lamda Card to pay for any internet, mail or telephone purchases. 7

7 7.9 The Cardholder should use the Card only during the validity period shown on it The Cardholder is liable to Lamda for all Card Transactions which are incurred through use of the Card and irrevocably authorizes Lamda to pay all Card Transactions by debiting the Account In using the Card the cardholder must comply with all applicable laws. The card may not be used for illegal purposes You must not disclose the PIN in case of execution of any Card Transaction via the internet and use only secure payment websites for the execution of Card Transactions The Cardholder should manage all Card Transaction receipts and the Account statements in such a way that the misappropriation of the number or other details of the Card is not possible. 8. KEEPING YOUR CARD AND PIN SECURE 8.1 Keep your PIN safe by memorizing it. Never disclose it to anyone, neither by writing it down, nor by letting anyone see you enter it. We will never ask you to reveal your PIN. 8.2 If you suspect that someone else knows your PIN, change it as soon as possible by contacting Our Customer Service Team or by performing a PIN change at an ATM. 8.3 You can order a replacement PIN or a new PIN by calling our Customer Service Team on phone / 8.4 Keep your Card safe at all times. Never give it to anyone or allow any third party to use your card. 8.5 Treat your Card and the funds deposited like cash. If your Card is lost or stolen, you may lose part or all of the funds deposited in the same way as losing cash in your purse or wallet. You must therefore keep your Card and PIN safe at all times. 9. REFUNDING TRANSACTIONS 9.1 You may be able to claim a refund for transactions where the transaction(s) were not authorized in accordance with these Terms and Conditions. You should contact the retailer from whom you purchased the goods in the first instance. Should you need further assistance, please contact our Customer Service Team on the telephone number If you would like to terminate your Card and withdraw any unused funds, you may do so as long as: the available balance (which for the purpose of this clause shall mean the value of the funds loaded onto your Card and available for use) is greater than 5; and We believe you have not acted fraudulently; and We are not prohibited from doing so by any applicable law, regulation, court order or instruction or guidance of a competent regulatory authority or agency. 10. TERMINATION 10.1 Your agreement with Lamda Card Services consists of these Terms and Conditions which We can terminate at any time: If We give you 30 days notice and refund the available balance (which for the purpose of this clause shall mean the value of funds loaded onto your Card and available for use) to you; or

8 With immediate effect if you have breached this agreement, or if We have a reason to believe that you have used, or intend to use the Card in a negligent manner or for fraudulent or other unlawful purpose or if We can no longer process your transactions due to the actions of third parties We will wait 30 business days for any outstanding transaction(s) to be processed. Refund of the remaining balance will be after 30 days from the termination date We can suspend your Card at any time with immediate effect (and until your fault has been remedied or the agreement terminated) if: We discover that any of the information that you provided to Us when you applied for your Card was incorrect; or a transaction has been declined because of a lack of available balance; or you have breached this agreement or We have reason to believe that you have used, or intend to use the Card in a negligent manner or for fraudulent or other unlawful purposes or if We cannot process you transactions due to the actions of third parties We can block your Card at any time with immediate effect (and until your fault has been remedied or the agreement terminated) if: If your plastic Card is lost, stolen, damaged or either Us or You suspect it is being used in an unauthorized manner, If at any time following the opening of the Account or the activation of the Card We become aware of any information as a result of our obligatory due diligence, AML and know-your-client related checks that would lead us to reasonably believe that You are or have been involved in any criminal and/or terrorist financing or other unlawful activities which have resulted in positive matches on any applicable sanction lists You can terminate this agreement at any time following the Cooling Off Period (see Clause 18)by contacting Lamda on or writing to Us at cardapplications@lamdacardservices.com. 10.5Your Card will be unusable following the termination date or suspension of the card under these Terms and Conditions. We will attempt to contact you through the latest details We have on record for you. 11. REPORTING LOST AND STOLEN CARDS 11.1 If Your plastic Card is lost, stolen or you suspect it is being used in an unauthorized manner, call Us immediately using the telephone number(s) provided. We will take immediate preventative action such as blocking or suspending the Account and blocking the Card in order to prevent unauthorized use If there are funds in your Account, We will cancel your Card and issue a new Card to your address registered in our system within 14 business days of you contacting Us. Charges may apply - see Fees Summary within these Terms and Conditions. 12. REPORTING TRANSACTION DISPUTES 12.1 If you believe that any of the transactions on your Account were unauthorized or incorrectly posted to your Account, you must notify Us within 30 business days on the telephone number , or by on customer.service@lamdacardservices.com. We will attempt to assist you with any

9 qualifying disputes under the MasterCard rules governing prepaid card issuing We will not be able to pay to You any refund that may be due to you until Our investigation is complete, the progress of which we will keep you informed of by telephone and/or in writing If a refund is made in respect of a transaction that later turns out to be disingenuous, We will re-deduct the of the transaction from your Account and We will charge you a fee (see Fees Summary within these Terms and Conditions). 13. ADVISING CHANGES OF NAME, ADDRESS OR CONTACT DETAILS 13.1 If you change name, address or contact details, you must notify our Customer Service Team immediately of such change. Our contact details can be found in the opening paragraphs of these Terms and Conditions. 14. WHAT HAPPENS WHEN YOUR CARD EXPIRES? 14.1 We will automatically renew and reissue your Card on the same payment plan as the expiring Card unless requested by you otherwise The Card reissue fee (see Fees Summary within these Terms and Conditions) will be charged on or shortly after the date of issue of your renewal Card. 15. PROTECTING YOUR PERSONAL DATA 15.1We will process and retain your personal data in order to open, administer and run your Account and deal with any enquiries you have about it, pursuant to the existing legislation on the protection of personal information. 15.2If We suspect that We have been given false or inaccurate information, We may record Our suspicion together with any other relevant information If false or inaccurate information is provided and fraud is identified, We may pass your details to fraud prevention agencies to prevent fraud and money laundering We may check all personal information which is given to Us by you with the authorities for Combating Money Laundering of Cyprus and other organizations. We may also obtain information about you from credit reference agencies to verify your identify. A record of such enquires may be left on your file If your Account goes overdrawn and you do not pay back the monies owed to Us when asked, We may provide information about you to the credit reference agencies If, when you purchase or apply for your Card, you agree to receive marketing information via or mobile phone and/or do not opt out of receiving marketing by telephone or mail, We and third parties, with whom We may share personal data, may from time to time contact you with details of products and services We think may be of interest to you, only if permitted by the appropriate law. If you do not want Us to share your personal data or to receive such communication, please contact Us We reserve the right that data We collect from you may be transferred to, and stored at a destination outside the European Economic Area ("EEA"), only if the storage of such information ensures an adequate level of protection. 16 WHO IS RUNNING MY ACCOUNT? 16.1 Your Card is issued by Euronet360Finance Limited ( E360F Ltd ), UK registered company, based on 6th floor Watson House, 54 Baker Street, London,

10 W1U 7BU, UK and distributed and operated by Lamda Card Services, a company incorporated and registered in Cyprus. 17. WHAT LAW APPLIES? 17.1 Cypriot law applies to these Terms and Conditions and the courts of Cyprus will have exclusive jurisdiction to deal with any legal proceedings between Us. Certain terms of These Terms and Conditions are in compliance with the Payment Services Law 2009 (128(I)/2009). If it transpires that any term is not in accordance with the aforesaid legislation, Lamda shall comply with its provisions of the legislation and shall make all the necessary amendments and corrections of the present Terms and Conditions. The official version of these Terms and Conditions is in English and any dispute regarding and/or arising from the interpretation of its terms will be made by reference to the English version. 18. YOUR RIGHTS AND OBLIGATIONS 18.1 You have the right to: withdraw from these Terms and Conditions without cause and without penalty for a period of 14 business days from the date on which you open your Account ("Account Opening Date"). This 14 business day period is known as the "Cooling Off Period". To withdraw from these Terms and Conditions you may notify us by telephone of your intention to withdraw from these Terms and Conditions. However, you must also write to Us enclosing proof of purchase of your Card together with your Card, which must be cut in half; close your Account at any time after the Cooling Off Period. To do this, you may notify Us by telephone of your intention to close your Account. However, you must also write to Us and return the Card cut in half. Following receipt of your Card(s) We will wait 30 business days for any outstanding transaction(s) to be processed. Once all transactions and fees have been deducted, any balance on your Account will be returned to you subject to you having provided satisfactory confirmation of your identify and address. As this balance refund procedure may take up to 30 business days, you may prefer to withdraw cash by ATM or by making purchases at a MasterCard outlet before closing the account. A redemption fee will apply (see Fees Summary within these Terms and Conditions) know more about the information We pass to third parties or that is held the authorities, or obtain a list of third parties with whom We share information; receive details of the personal data We hold about you; Contact the office of Commissioner of Administration (Ombudsman), Era House, 2, Diagorou Street, 1097 Nicosia, Tel. No.: , Fax. No.: , ombudsman@ombudsman.gov.cy, in case We are unable to resolve any complaint through Our internal complaints procedure You cannot spend more than you have on your Account. Any attempt to do so may result in Us taking remedial action against you Our rights under these Terms and Conditions will continue notwithstanding any action We take in respect of clause 18.2

11 19. LIABILITY 19.1 Our liability: We accept no liability for any delay or failure to perform Our obligations under these Terms and Conditions as a result of local regulations or circumstances outside Our control, including but not limited to defects relating to the Card. We will not be liable for any indirect or consequential losses you suffer due to abnormal and unforeseen circumstances beyond Our control, the consequences of which would have been avoidable despite all efforts to the contrary, or where Our failure to comply with these Terms and Conditions is due to Our obligations under EU or national law We shall not be liable for any in excess of the balance on your Account We accept no responsibility or liability for the goods or services that you purchase with your Card We accept no responsibility or liability for a merchant refusing to honor a transaction on your Card or failing to cancel an authorization Your liability: Provided you have not acted fraudulently or without reasonable care, your maximum liability for any transaction or fees incurred on your Account if someone else uses you Card before you report it lost or stolen will be You will be responsible for i) any unauthorized activity if you act fraudulently or without necessary care and ii) any loss or fraud that results directly from your failure to advise Us of any changes to your personal details in accordance with clause In the event that you do not use your Card in accordance with these Terms and Conditions or We find that you are using the Card fraudulently, We reserve the right to charge you for any reasonable costs that We incur in taking action to stop you using this Card and to recover any monies owed as a result of your activities. This applies to any Cards on your Account The funds on your Account are held in E360F Ltd accounts in Bank of America (London) Nothing in this Clause19 will limit our liability for: (i) death or personal injury arising as a result of any negligence by Us; or (ii) fraud committed by Us. 20. HOW WILL YOU KNOW ABOUT ANY CHANGES TO THESE TERMS AND CONDITIONS 20.1 We reserve the right to make changes to these Terms and Conditions, at our discretion, as follows: in response to any change in applicable law, industry guidance or best practice; to make these Terms and Conditions clearer; and/or to reflect any changes to Our systems and procedures We will provide you with a 7 days' notice in respect to changes to any of the following: the basis in which We charge you for the provision of services/products under these Terms and Conditions; the usage limits and Fees; 20.3 any other changes When We make changes in the Terms and Conditions, We will revise the "updated" date at the top of the T&C.

12 20.5 Also, the information about the changes in these Terms and Conditions will be sent via to all Our registered customers. If you continue to use your card after receiving the notification about the changes in Our Terms and Conditions, via , it deems your acceptance of revised terms and conditions. 21. COMPLAINTS PROCEDURE Lamda does its best to offer a complete service at all times but cannot guarantee it. Failure by Lamda to deliver the standard of service expected by the Cardholder, or if in the Cardholder s opinion Lamda has made a mistake, the Cardholder must immediately refer the matter to our Customer Support Team for clarifications and correcting any mistake if necessary. However if the Cardholder is dissatisfied, he/she must ask to be informed of Lamda internal complaints procedure by requesting information and/or the Lamda s Internal Complaints Manual or visiting our website where the Complaints Manual and complaints forms are posted FEES SUMMARY FOR EURO Type Gold Anonymo us (prefunde d) Virtual Gold Anonym ous (prefund ed) Virtual Virtu al Blue Virtu al Blue 2 Platinu m Black Student Annual fee N/A N/A N/A N/A N/A 10,00 15,00 10,00 Card purchase fee 4,00 2,00 0,50 0,50 0,50 18,00 25,00 10,00 Load, Reload, unload fee Minimum fee fee Card to Card Credit (among one cardholder's cards) Minimum fee (among one cardholder s cards) fee N/A N/A 0,5% 0,5% 05% 0,5% 0,5% 0.50 N/A N/A 0,80 0,80 0,80 0,80 0,80 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0,25% N/A 0,25% N/A N/A N/A N/A N/A 0,25 N/A 0,25 N/A N/A N/A N/A N/A 2,50 N/A 2,50 N/A

13 (among one card holder's cards) Card to Card Credit (among different cardholders) Minimum fee (among different cardholders) fee (among different cardholders) ATM withdrawal fee in Cyprus and Greece ATM withdrawal fee out of Cyprus and Greece ATM Minimum fee out of Cyprus and Greece ATM fee out of Cyprus and Greece Replacement/reiss ue fee N/A N/A N/A N/A 1,00% N/A 1,00% N/A N/A N/A N/A N/A 1,00 N/A 1,00 N/A N/A N/A N/A N/A 10,00 N/A 10,00 N/A N/A N/A N/A N/A N/A 2,50 2,50 0.5% N/A N/A N/A N/A N/A 2,5% 2,5% 2,5% N/A N/A N/A N/A N/A 1,50 1,50 1,50 N/A N/A N/A N/A N/A N/A N/A 5,00 N/A N/A N/A N/A N/A 8,95 8,95 8,95 Monthly fee N/A N/A N/A N/A N/A 0,50 0,50 0,50 Inactivity fee (for cards inactive more than 90 days) 1,50 1,50 1,50 1,50 1,50 1,50 1,50 1,50 Card Cancellation N/A N/A N/A N/A N/A 5,00 5,00 5,00 Balance Inquiry in EU Balance Inquiry out of EU POS Purchase in EU POS Purchase out of EU N/A N/A N/A N/A N/A 0,50 0,50 0,50 N/A N/A N/A N/A N/A 3,50 3,50 1,00 1,00 1,00 N/A N/A N/A ,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 Exchange Rate 3% 3% 3% 3% 3% 3% 3% 3%

14 22.2 FEES SUMMARY FOR USD Type Gold Virtual Virtual Virtual Anonymous Gold Blue (prefunded) Anonymous (prefunded) Virtual Blue 2 Platinum Black Annual fee N/A N/A N/A N/A N/A $13,00 $20,00 Card purchase fee $5,6 $2,8 $0,70 $0,70 $0,70 $25,00 $35,00 Load, Reload, unload fee Minimum fee (load/reload/unload) fee Card to Card Credit (among one cardholder's cards) Minimum fee (among one cardholder's cards) fee (among one cardholder's cards) Card to Card Credit (among different cardholders) Minimum fee (among different cardholders) fee (among different cardholders) ATM withdrawal fee in Cyprus and Greece ATM withdrawal fee out of Cyprus and Greece N/A N/A 0,5% 0,5% 0,5% 0,5% 0,5% N/A N/A $1,15 $1,15 $1,15 $1,15 $1,15 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0,25% N/A 0,25% N/A N/A N/A N/A $0,30 N/A $0,30 N/A N/A N/A N/A $3,00 N/A $3,00 N/A N/A N/A N/A 1,00% N/A 1,00% N/A N/A N/A N/A $1,00 N/A $1,00 N/A N/A N/A N/A $12,00 N/A $12,00 N/A N/A N/A N/A N/A $3,00 $3,00 N/A N/A N/A N/A N/A 2,5% 2,5%

15 ATM Minimum fee out of Cyprus and Greece ATM fee out of Cyprus and Greece Replacement/reissue fee N/A N/A N/A N/A N/A $2,10 $2,10 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12,00 $12,00 Monthly fee N/A N/A N/A N/A $0,70 N/A $0,70 Inactivity fee (for cards inactive more than 90 days) $2,00 $2,00 $2,00 $2,00 $2,00 $2,00 $2,00 Card Cancellation N/A N/A N/A N/A N/A $7,00 $7,00 Balance Inquiry in EU Balance Inquiry out of EU POS Purchase in EU Interregional POS Purchase out of EU N/A N/A N/A N/A N/A $0,70 $0,70 N/A N/A N/A N/A N/A $5,00 $5,00 $1,40 $1,40 N/A N/A N/A 0 0 $1,40 $1,40 $1,40 $1,40 $1,40 $1,40 $1,40 Exchange Rate 3% 3% 3% 3% 3% 3% 3%