EQUA BANK PRODUCT TERMS AND CONDITIONS FOR DEBIT PAYMENT CARDS 1. INTRODUCTORY PROVISIONS

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1 EQUA BANK PRODUCT TERMS AND CONDITIONS FOR DEBIT PAYMENT CARDS 1. INTRODUCTORY PROVISIONS 1.1. Scope and changes These product terms and conditions for debit cards (hereinafter the "Conditions for cards") regulate the mutual rights and obligations of the Bank and the Client arising under the Agreement on the Main account. Fees for banking services related to debit cards are set forth in the Pricelist These Conditions for cards are subject to change under paragraph of the Terms Interpretation and definition of terms These Conditions for cards have the nature of product terms and conditions as defined in the Terms. If these Conditions for cards contain provision different from the version in the Terms, the provision herein shall prevail Terms set out in these Conditions for cards with capital letters shall have the meaning set forth in Article 13 here below; if the term is not defined in Article 13, its meaning is set forth in the Terms or the Conditions for relevant Banking service, unless the text herein sets otherwise. 2. ISSUANCE OF CARDS 2.1. Issue of Card The Bank issues Cards of MasterCard International The Bank issues the Card and provides Banking services associated with the Card to the Client, whose Account the Bank simultaneously maintains, according to the Agreement on the current account and the Client s application for a payment card (hereinafter "Application"). Use of different types of Cards can be further modified by specific conditions for the type of Card; specific type of Card is listed in the Application. The Client expresses consent to these specific conditions by signing the Application At the request of the Client the Card can also be associated with up to two Secondary accounts, or such association may be canceled. The Client applies for such association and also for its subsequent withdrawal through Direct banking services On the issuance of Card is no legal entitlement. The Bank will notify the Client in case of refusal of the Applications in appropriate manner The Card is issued for an indefinite period, with its automatic renewal under Article Issuance of Card depends on the Agreement on current account. Termination of this Agreement results in blocking and cancellation of Card under Article 5.2. The Agreement on current account is not affected by blocking and cancelation of Card. Termination of the Agreement on payment card is subject to the terms of Article 7 herein The Client is entitled to fill Applications for more cards and the Bank is entitled to issue the Client several different cards The Bank may issue a Card to certain Account also for other persons for whom the Bank does not maintain an Account, to which the Card is issued (hereinafter referred to as "Supplementary Card"), under the conditions specified in Article 11 herein Distribution of Card and PIN Following the conclusion of the Agreement on current account in CZK, the Bank will send the Client a Card. The Bank sends Card by mail to the current contact address specified in the Application or otherwise communicated by the Client to the Bank. The Client is obliged to check the integrity of the envelope with the Card. If the shipment appears damaged, the Client shall request confirmation of the damaged item delivered from the deliverer and immediately notify the Bank. Unless the shipment is delivered within thirty (30) days after the conclusion of Agreement on current account, or after the date of termination of validity of the Card shown on the Card in case a Renewed Card is being issued, the Client shall immediately communicate this fact to the Bank Without undue delay, no later than after the receipt of the Card, the Client shall activate the Card through Direct banking according to instructions and manner prescribed by the Bank in the cover letter sent along with the Card and PIN, and simultaneously choose the Card PIN By Card activation, the Holder is entitled to use the Card for the time duration indicated on the Card, if the validity of the Card is not prematurely terminated. Until the activation of the Card, the Card is blocked for safety reasons. The Holder is obliged to sign the Card on the signature strip on the rear of the Card, without undue delay.

2 The beginning and the end of the Card s validity is marked on the front side. Validity begins on the first day of the stated month and ends on the last day of the stated month. If a New Card is activated, then the validity of the previous Card which is being replaced by the New Card expires on the date of such activation. The Card may not be used after the expiration and, if requested by the Bank, the Holder is obliged to return the Card to the Bank. The Client is responsible for returning Cards issued to Holders specified by the Client 3. TRANSACTIONS SETTLEMENT AND CARD LIMITS 3.1. Any payment transactions made on the basis of Payment orders submitted through Card transactions, and also all fees and other costs incurred in connection with the issuance and use of the Card, for which the Bank is entitled to request reimbursement, the Bank will charge to the debit of the Main account, or at the expense of one or more Secondary accounts, if it Card was associated with them in accordance with these Conditions for cards If the Card was also associated with the Secondary account, the Bank shall proceed with the settlement so that it preferentially clears the Payment transaction against the balance of the Secondary account held in the same currency as the currency of the Payment transaction. If this Secondary account has not sufficient Available balance, or if the currency of the Payment transaction is none of the currencies in which the Secondary accounts are held, the Bank shall charge the Payment transaction against the Main account Right of the Holder to use the Card is limited by Card limits and the amount of the Available balance on the Main account, or by the amount of the Available balance on the Secondary account which the Card was associated to. The Client is entitled to change the total Card limit and Another Card Limits through Direct banking services The Bank is also entitled to unilaterally reduce the Overall card limit if the Event of default occurs, the Client or any other Holder is in breach of any of its obligations arising from these Conditions for cards, or if the current level of the Overall card limit raises justified concerns that financial obligations inadequate to Client s financial situation will arise or the relevant legal or other regulations binding for the Bank will be violated. The Bank will inform the Client about reducing the Overall card limit in an appropriate manner The Bank performs only a Payment transaction for which the following conditions are met: (1) Card operation has been authorized (paragraph 4.2 here below), (2) the authorization center has agreed with the Card operation (4.4 here below ) if such consent is required, (3) the Card limit has not been exceeded, (4) the Account Available balance has not been exceeded, (5) the Card operation was not performed after the Card has been blocked, not even after suspension, revocation or exclusion of the type of Card operation, (6 ) it was not performed after the expiration of Card, after the retention or returning, and (7) the Card operation has not occurred through non-activated card When the Bank becomes aware of the fact that the Holder has made a Card operation, the Bank blocks (i.e., reserves) funds in the relevant Account in the amount of Card operation until its clearing and debiting from the Account, but not exceeding a period of forty five (45) calendar days from the date of blocking The moment of the receipt of Payment order made through a Card Transaction to the clearing is a business day, on which the Bank receives a request for settlement of Card transaction made by the contracting bank of the Merchant, or bank that operates the ATM or bank or exchange office, which conducted the Cash Advance. Under the rules of card associations processor has a deadline for sending the Payment Transaction made through a Card transaction to the clearing of up to 30 days from the date of Card Transaction 3.8. The payment order executed through a Card transaction abroad is processed by a foreign bank in cooperation with VISA or MasterCard. 4. USE OF CARD 4.1. The Holder is entitled to use the card depending on its type inland and abroad for cashless payment of the purchase of goods and / or services through payment terminals (POS), through the imprinter, for withdrawing cash from an ATM or over the counter of banks and exchange offices identified by the relevant symbols (Cash Advance) or at selected retailers identified by the relevant symbols (Cash Back) and for Card transactions performed over the Internet (payments in online stores), or by choosing Mail Order / Telephone Order (MO / TO). The Client by performing a Card transaction in accordance with these Conditions for cards the gives a Payment order to the Bank in accordance with Act No. 229/2002 Coll., Payment Systems, as amended The Holder must authorize Card operations in a manner depending on the type of Card and the Card operation carried out. Card operation is authorized, if the Unique identifier and expiration date is detected, and it has been confirmed by the Cardholder, where (i) for Card transactions with the physical presence of the Card the Card operation is confirmed by entering the PIN on ATM or POS, or by the signature of the Holder identical with the signature appearing on the back of the Card; for Cash Advance also the identity of the Holder is verified by presenting an identity card, and (ii) for Card transactions without the physical presence of the Card the transaction is confirmed by providing the safety codes CVV2/CVC2. After confirming the

3 Card operation by the Holder the Payment order cannot be withdrawn When using ATM the Holder proceeds according to the instructions provided on the ATM screen. If the Holder enters three consecutive times an incorrect PIN, the Card is returned to the Holder, but the PIN will be blocked for the next 24 hours and therefore the Holder is not entitled to carry out Card operations that require authorization by entering PIN. After 24 hours from the moment of blocking the PIN is active again The Holder is also entitled to request unblocking PIN via Phone non-stop line. In this case, the PIN is active at the moment of execution of such Holder's request on the same day When entering a PIN the Holder is obliged to act so that the PIN remains secret and avoid possible misuse of the Card When using the Card for payment, the Merchant will check the Card and request the permission of the Bank or its authorized organization (the authorization center) to execute the Card transaction; if the Merchant does not receive the consent of the Bank or the authorization center (authorization is rejected), the Merchant refuses to accept the Payment order entered by Card operation. If the card is not presented by the Holder, the Merchant is entitled to withhold the Card The Merchant is obliged to issue a sales receipt, to which the Holder shall, if the Merchant asked to, sign consistently with the signature appearing on the back of the Card, or the Card transaction may not be executed. In the event that the signature on the sales receipt is not identical with the signature appearing on the Card, the Merchant is entitled to refuse the Card transaction. The Merchant may require in addition to or instead of the signature a PIN (entered solely by the Holder via the keyboard on the payment terminal, the PIN PAD). If the terminal requested a PIN, there is usually no signature of the Holder on the sales receipt necessary. The Holder may be asked by the Merchant to prove the identity (abroad to present a passport) The Holder may under no circumstances, when carrying out Card transactions of the type Mail Order / Telephone Order or Internet order for goods and / or services from companies that allow it, disclose the PIN. The Holder is in these cases usually asked to indicate the Card number, its expiration date and the security code CVC2 (cards of MasterCard Association) or CVV2 (cards of VISA association), which is located on the back of the Card The Card must not be used for illegal purposes, including the purchase of goods or services prohibited by valid domestic legislation. In the event that damage is caused by such behavior to the Bank, the Bank is entitled to claim compensation from the Holder If the Bank provides information through the ATM about the balance for the use of Card, the Bank hereby notifies the Holder, that the information about the balance is only approximate and may not always provide current information on the status of funds on the Account The Bank cannot guarantee that the Holder will get the payment of requested amount (up to agreed Card limit for cash withdrawals) within one ATM withdrawal. The amount for a single withdrawal is limited by the type of ATM and structure of used denominations of banknotes The Bank is entitled due to termination of issuance of a certain type of Card, extension of the functionality of the Card or switch to another type of Card, within the automatic renewal to issue another Card for the Holder. In justified cases, the Bank is authorized to issue another Card, even before its expiration (for example, when issuing Card replacement, New cards after the loss / theft, etc.). If the newly issued Card is taken over by the Holder or the Authorized person, the scope of existing rights and obligations changes in the range of conditions applicable to this new type of Card, in other respects, the rights and obligations of the Client and Holder remain the same The Card is the property of the Bank and it is not transferable to another person. The Bank is entitled, in cases under Article of the Conditions for cards, request the return of the Card. The Holder is obliged return the Card. Failure to do so within the specified time, the Bank is entitled to charge to the debit of the Holder s Account a penalty in the amount of the fee for permanent Card blocking set out in the Price List Automatic renewal of Card The Bank issues to the Client automatically Renewed card (same type) on the date of expiry of the original Card. PIN of Renewed cards remains the same as the PIN for the previous Card. For sending and activation of the Renewed card the Article and here above shall apply The automatic issue of Renewed card does not occur if the Client requested it in writing no later than the last working day of the month preceding the month of Card expiration. If such a Request is submitted after the time limit under the preceding sentence, the Bank shall charge a fee for issuing the Renewed card to the debit of the Account and ensure that the Renewed card will be discarded.

4 The Bank reserves the right in justified cases to refuse the issue of Renewed card. The automatic issue of Renewed card also does not occur if the original Card is inactive (it was not activated or it is permanently blocked), due to Unauthorized debit on the Account, due to ceased Agreement on the current account, or the original card was not taken within a specified period or upon the decision of the Bank After the activation of Renewed card the original Card shall expire automatically, even if the validity period of the Card has not terminated. 5. SECURITY, PROTECTION AND CARD BLOCKING 5.1. Security and protection of card The Holder is obliged to use and keep the Card in accordance with these Conditions for cards in particular to respect the agreed principles to ensure the safety of the Card. The Holder protects the card against loss, theft, misuse by unauthorized persons, mechanical damage, excessive heat, direct effects of magnetic fields, etc. The Holder is particularly obliged to observe the following precautions: a) Never disclose the PIN to other persons, not to write the PIN on the Card or any other item kept or carried with the Card; b) During ATM withdrawal to cover the keypad when entering PIN, to check whether the ATM is not mechanically damaged, to inform the Bank in case of Card detention in the ATM; c) The Holder must not give the Card to any other person than the person with which the Holder intends to use the Card as the means of payment to perform Card transaction, or communicate in any way other data for transaction authorization (i.e., in particular not to disclose the Card number, validity and CVV2/CVC2) with except for the implementation of Card transactions over the Internet. Failure to observe any of these security measures is a manifestation of gross negligence and establishes the responsibility of the Holder within the meaning of Article of POP cards The PIN is meant for the use by the Holder only; The Bank may disclose the PIN to the Holder or the Client only If the damage or destruction of the Card occurs, the Client or other Holder is obliged to immediately report these facts to the Bank. Upon request of the Client, the Bank shall ensure the issue of a New card In the event of loss, theft or misuse of the Card, the Holder is obliged to immediately report these facts using the non-stop Phone line or to Block the card through Direct banking services. Phone banker will require data necessary to identify the Card and the Holder, ask about the circumstances that are known to the Holder about the loss, theft or misuse, and immediately Block the card. At the same time, the Holder may apply for New card If any loss, theft or misuse of the Card occurred abroad, the Holder may also report this to any bank branch which is a member of the International Association of MasterCard or VISA; the Holder of embossed Card in such a case can also apply for a temporary card (so-called service ERC) with a limited duration and the amount or apply for a cash replacement (socalled service ECA) in the currency of the country in which it is located (the amount of cash is limited) The Bank in extraordinary cases, where the Holder is unable to report due e.g. hospitalization, etc., will make within the appropriate range operations at the request of another person (relative, colleague, etc.). It is imperative that this fact was immediately confirmed by the Holder, through the non-stop Phone line Card Blocking The Bank shall Block the Card without undue delay after receiving request from a Client or any other Cardholder. The Bank is entitled to Block the Card or otherwise limit the use of Card even without the consent of the Holder or the Client or for security reasons, especially if the suspicion of unauthorized or fraudulent use of the Card arises Depending on the circumstances and the agreement of the Bank and the Client, or other Holder, the Bank may Block the Card only temporarily; if the Client or the Holder does not inform the Bank within 24 hours following Card Blocking, that the reasons for Card Blocking no longer prevail, the Bank will Block the Card permanently (definitely) The Bank informs about the Blocking and its reasons in the manner agreed to provide Account statements. The Bank is authorized, without undue delay to communicate this information also in a different way, e.g. by telephone, electronically to the Inbox in IBS of the Client or by delivery to the contact address of the Client. The Bank according to this article will not provide information in the event that disclosure of information would thwart the purpose of Card Blocking or would be inconsistent with other legislation As soon as the reasons for Blocking cease to exist, the Bank will unblock the Card (for Temporary Blocking of Card initiated by the Client) or replace it with a New card (in case of permanent Blocking of Card initiated by the Bank). In case of Blocking

5 according to the article herein, the Bank also entitled to Block the Card permanently and not to issue a New card to the Client In the event that the Bank has Blocked the Card permanently at the request of the Client or any other Holder, the Client will be issued a New card by the Bank, unless the Bank and the Client agree otherwise The Bank is entitled for Card Blocking initiated by the Client or the Holder, for Card or cash replacement, to charge a fee to the debit of the Account according to the valid Pricelist The Client is entitled to limit or exclude the possibility of certain types of Card operations with the Card via Other card limits. 6. LIABILITY OF THE BANK AND THE HOLDER 6.1. Liability of the Client The Client bears the loss from unauthorized Card transactions (see paragraph herein) up to a total amount of EUR 150, if the loss was caused by the use of lost or stolen Card or by the misuse of the Card in the event that the Holder has failed to protect the safety features The Client bears the loss from unauthorized Card transaction in full, if the loss was caused by the Client or the Holder due to fraudulent conduct or due to intentionally or gross negligence failure to comply with security measures laid down in these Conditions for cards or has not notified the Bank without undue delay after the loss, theft, misuse or unauthorized use of the Card. The Client does not bear the loss if not acted fraudulently, and the loss occurred after the Client or the Holder different from the Client, has reported the loss, theft, misuse or unauthorized use of the Card The Client and possibly also another Holder is required to report any changes to the data concerning the Holder (change of name, address, and contact telephone numbers) that have a major impact on the veracity of the data provided on the Card or are important to contact the Holder. In the event that damage occurs to the Bank due to breach of this obligation, the Bank is entitled to claim the cost of damages from to the Holder or the Client Liability of the Bank The Bank is responsible for unauthorized Card transaction if it is not the loss of Client under the preceding Article 6.1 hereof. The Bank is liable to the Client for improperly executed Card transaction, unless proves otherwise to the Client, that the amount of defective Card transaction was properly and timely credited to the person who provides payment services, the recipient of Payment transaction. If the Client notifies the Bank that it does not insist on conducting the Card transaction that was performed incorrectly, the Bank will credit the amount of the Card transaction to the Account Terms of refunded authorized Card transaction are specified in the Technical Conditions The Bank shall not be liable for damages resulting from the use of the Card due to circumstances beyond the Bank, such as rejection or incorrectly processed authentication due to the failure of manufacturing system of authorization center or telecommunication lines, power supply interruptions, ATM failures, etc In the event that the Client or any other Holder reported the loss or theft of Card, or the Card has expired, or it was canceled or disabled within the meaning of these Conditions for cards, the Client and possibly another Holder agrees with the fact that the Bank will announce the number of this card to all Merchants. The Merchant is entitled withhold such Card due to an attempt of misuse The Bank is not liable for damages caused by exceeding the Card Limit in case of unauthorized transactions by the Bank The Bank is not liable for damages caused by the measure, which was based on explicit instruction of the Client or a Holder different from the Client, in connection with the loss, theft or misuse of the Card and also for costs incurred in the event of subsequent disagreement of the Client or Holder to the above measures The Bank is not responsible for the fact that blocking Card transaction on the internet is not effective if the Merchant is not correctly identified by their clearing bank in the system of the card association as an internet marketer. 7. TERMINATION OF RIGHTS TO USE CARD, TERMINATION AND BREACH OF CONTRACT 7.1. Termination of rights to Use Cards The right to conduct Card Transactions terminates (i) upon the termination of Agreement on the Main account (or termination of the Main account), i.e. by agreement, notice of termination of the Agreement on the Main account sent by the Client or the Bank, or by withdrawal by the Bank or the Client or (ii) by any of the following options: (a) the expiry of the Card (if there is no automatic renewal of the Card), (b) the loss, theft or misuse of the Card, (c) the death of the Holder or (d) impairment of Valid card, if there is no Replacement of card, New card or Renewed card issued.

6 7.2. Specific measures in Cases of violation In the event that any Event of Default occurs, the Bank together with other of its powers under the Terms or relevant Conditions may, at the cost of the Client, require detention of the Card, return of the Card, to Block the Card, suspend or revoke individual permissions to conduct Card transactions or exclude some types of Card transactions As the Event of Default within the meaning of the GBC and relevant PBC are also considered situations where (i) upon the use of Card the Card limits were exceeded or (ii) the Holder did not return the Card to the Bank, although the Bank requested it Termination of Agreement on the Main account In the event of notice of termination submitted by the Client on the Agreement on the Main account, to which the Card is issued, the notice period of one (1) month shall begin on the date on which the notice is delivered to the Bank. In the event of termination of the Agreement on the Main account by the Bank, the notice period of two (2) months shall begin on the date on which the notice is delivered to the Client The Client or the Holder is obliged to return Card to the Bank Upon termination of the Agreement or extinction of right to use the Card. As proof of card return the Client will receive a "Confirmation of Card return" and the returned Card will devalued by a Bank employee in the presence of the Holder or the Client. 8. STATEMENTS 8.1. The Bank informs the Client of all Card transactions carried out and clearing fees associated with Card transactions and / or issue and maintenance of Cards through the Main account or Secondary account statement. 9. CLAIMS AND COMPLAINTS 9.1. In the event that the Client or a Holder different from the Client, finds any fact that might be the reason for complaint, it is obligated to notify the Bank without undue delay after such a fact is found (e.g., after receipt of the Account statement); unauthorized or improperly executed Card transactions must always be reported to the Bank no later than thirteen (13) months from the date of clearing Card operation on the Account If the Client or a Holder different from the Client fails to notify of unauthorized, improperly executed Card transaction or other facts obvious from the Account statement without undue delay after its delivery, the data listed in the relevant statement are deemed as approved by the Client If the Client or a Holder different from the Client, fails to notify the Bank of unauthorized or improperly executed Card operation up to 13 months after the date on which the funds were debited from the Account, Client's right to a refund of funds from such Payment transaction will expire The Client and possibly other Holder is obliged to enclose all the documents concerning the disputed Card transaction, i.e. sales documents from Merchant, copies of bills, receipts from ATM, Account statements or other documents requested by the Bank to confirm the legitimacy of claim, etc The Bank shall proceed with complaints procedure in accordance with VISA or MasterCard. To address the disputed Card transactions, VISA and MasterCard has set the rules which member banks are required to adhere to. The method of dealing with the complaint varies according to the reason of claim. Complaints procedure can take up to 180 days, rarely longer. The complaints procedure for Card transactions is not covered by the general period provided in the Complaints procedure of Equa bank. 10. FEES AND COSTS The Client pays the Bank all Fees associated with Cards issued to the Account, i.e. for the issuance and maintenance of Card, transaction fees for individual types of transactions, etc. The Bank is authorized to charge fees from the conclusion of Agreement on the Main account and Application, i.e. even if the Card has not been activated The amount, type of Fees and method of accounting is set out in the Pricelist valid at the time of the provision of Banking services or execution of Card transaction with which they are linked The Bank is entitled to charge to the debit of the Account to which the Card was issued, or which has been assigned to it under paragraph herein, all costs incurred in connection with the issuance and use of the Card and with solving of any non-standard situations associated with the issuance and use of the Card, including costs incurred by failure of these Conditions by the Client or any other Holder or due to incorrect use or misuse of Cards.

7 11. SUPPLEMENTARY CARD Issue of Supplementary Card The Bank will issue the Client Supplementary card based on the approval of application for Supplementary card, which the Client delivers to the Bank. The Bank will inform the Client about the approval of such request the accordingly. Subsequently, the Bank will send the Client Supplementary card Client signing the application for Supplementary card confirms that all information relating to the person to whom the Card will be issued, is correct and that to submit the application a consent of such person has been obtained and that such third party has been acquainted with these Conditions for cards and the Terms and agrees with them The Client will pass the Card to the Holder without undue delay after activation of the Card in accordance with paragraph herein. Upon the takeover of Supplementary card the Holder expresses consent with the issuance of Supplementary card on Holder s name and with these Conditions for cards as well as the Terms, which are hereby becoming binding Specific provisions of the Supplementary card Supplementary card transactions will be accounted for identically, as they would have been conducted by Card issued on the name of Client The Holder of Supplementary card has in relation to any disposition of Supplementary Card status of Authorized person. The Client is entitled to perform all privileges of the Supplementary card Holder. The Client may at any time, even against the will of the Supplementary Card Holder, terminate the maintenance of Supplementary card, in accordance with the rules herein for Blocking of Supplementary card The Client is obliged to pay the Bank all Fees and other amounts, which arise in connection with Supplementary card, and is responsible for any breach of obligations of the Holder imposed by these Conditions for cards or the Terms as if such breach has committed the Holder itself. Any claims of the Bank to the Client without prejudice to any reciprocal rights or disputes between the Client and the Supplementary card Holder. 12. FINAL PROVISIONS The Client and Supplementary card Holder agrees, in accordance with the Act No. 21/1992 Coll. On Banks, as amended, and Act No. 101/2000 Coll., on the protection of personal data and to amend other Acts, as amended, to transfer information about the Account balance to another person, the Bank commissioned authorization of card transactions and transfer of personal data and data about the Card to associations Visa and MasterCard, to persons, guaranteeing the additional services and those who cooperate with the Bank in the investigation of unauthorized use of Card Cards may be issued in different type versions, with different types of Cards can be connected various benefits or services provided by suppliers of goods and services on the basis of an agreement with the Bank. The Bank shall publish Conditions for these benefits or services These Conditions for cards shall come into effect on 15 September TERMS Terms with capital letters shall have the following meaning, unless the context herein requires otherwise. Account means the Main account of the Card and all Secondary accounts to which the Card is assigned. Agreement on the Main Account - means the Agreement on account maintenance concluded between the Bank and the Client, according to which the Main account was established. Another card limits - means additional restrictions on the amount of individual types of Card transactions in the form of individual transaction limits especially for cash withdrawals, for purchases at Merchants or Card transactions over the Internet; these limits may not allow the excess of the Total card limit whose reduction causes the reduction of Another card limits accordingly. Application - means an application request to issue debit cards in accordance with paragraph hereof. ATM (Automated Teller Machine) - means self-service device for those types of cards, whose trademark is marked at an ATM and through which the Holder performs cash withdrawals/cash deposits in local currency (cash deposit option is influenced by the type of ATM) and which provides additional services according to the offer and type of Card (e.g. information

8 on balances for the use of Card). The use of a PIN is required. Blocked Amount means the sum of amounts that are reserved in the Account as a result of conducted Card transactions, until the accounting of card transactions to the Account. Blocking of Card means a measure of preventing the possibility to conduct Card transactions; Card can be blocked on the initiative of the Bank or the Client or the Holder as provided herein; Blocking of card can be done only on certain Card transactions. Cancelled Card means Card, validity of which is terminated before the expiry stated on the Card. The Bank will cancel the Card on its own initiative, the initiative of the Client or on the initiative of the Holder with the consent of the Client, in accordance with these Conditions for cards. Card - means a debit (payment) card issued to the Account, embossed or non-embossed; characters on the embossed Card stand out above the surface of the Card and allow their imprint on the sales receipt; for the purposes of these Conditions for cards a Card shall also mean the Replacement Card, New card and Renewed card, unless hereof specified otherwise. Card Carrier - means the Bank confirmation of the conclusion of Agreement on card issuance, to which the Card for the Holder is attached. The carrier is given basic information on Card activation, transaction Limits, etc. Card Limits means Total card limit and Another card limits. Card Transaction - means a general name for the use of Card by the Holder, leading to the entering of Payment order within the scope according to paragraph 4.1 herein, or designation of Payment transaction. CVV2/CVC2 - (Card Verification Code / Value) - three-digit security code printed on or next to the signature strip of VISA / VISA Electron / MasterCard at the back of the Card following the four-digit number which is consistent with the last four digits of Card number. Direct Banking - means the internet banking, mobile banking and telephone banking services, provided in accordance with the relevant provisions of the Terms. Event of Default - means the violations listed in the relevant Conditions and / or the Terms Holder - a person who, on the basis of the Agreement on the Main account and Application uses the Card and whose name appears on the Card. Imprinter - mechanical sensor designed for the print of embossed Cards and identification label of Merchant on sales receipt when conducting cashless payments or Cash Advance. Main Account - means account in CZK held by the Bank for Client to which the Card was issued. Merchant - means a business location (e.g., shops, restaurants, hotels, gas stations) marked with the logo of respective international card association, which by default accepts payment Cards as a device intended to pay for purchased goods or services. New Card - Card issued by the Bank to the Holder based on the approved Application, or in case of loss, theft, misuse or nondelivery of Card; New card has a different number and PIN. Payment terminal (POS) means electronic payment terminal sensing the data of the magnetic stripe or the Card chip, which stores in electronic form for further processing. It is used for cashless payments and Cash Advance made through Card using a PIN code or signing of the Holder. PIN (Personal Identification Number) - means a numeric personal identification code enclosed exclusively to the Holder in order to prove the Holder's authorization to perform payment transactions using the Card. Pricelist means the list of fees for accounts and payment services setting fees for banking services. Renewed Card - means a Card issued after the expiry of the original Card with the new validity period, the PIN remains the same. Replacement Card - Card issued by the Bank in case of damage of the original Card; Replacement card has the same

9 number and PIN as the original Card. Secondary Account means Account held by the Bank for the Client in a currency other than CZK. Temporary Blocking of Card - Card is blocked for 24 hours. Unique Identifier - means sixteen-digit Card number which identifies the Holder and the Card when conducting a transaction. Telephone Nonstop Line - means the telephone number which serves for announcing the loss, theft or misuse of the Card, Telephone nonstop line is published on the Home page of the Bank, on the back of the Card and in the manual for the card Holder. Total Card Limit - the maximum amount, by which the amount of the Card transactions conducted from certain Account using the Card for a period of seven days is limited. Transaction Type MO / TO - means cashless Card payments without the presence of the Holder or the Card (order of goods and services through mail order, internet, etc.); these transactions are generally referred to as Mail Order / Telephone Order (MO / TO).