CONDITIONS FOR USE OF MASTER CARD AND VISA PAYMENT CARDS I. Introductory provisions 1.

These conditions for use of MasterCard and VISA payment cards (hereinafter referred to only as „Conditions“) represent the Product conditions in terms of the General commercial conditions of the Bank (hereinafter referred to only as „General conditions“). The Conditions and General conditions constitute part of the Contract and the Client is obliged to become familiarised with these and to abide by them.

2.

Terms starting with a capital letter are used in these Conditions with the meaning as set out in article XI. of these Conditions.

3.

These Conditions correspond to the version of the Model commercial conditions for issuing and use of ČNB’s electronic means of payment (hereinafter referred to only as „ČNB conditions“) with the following differences: a)

The provisions of article III. paragraph 4 letter e) of the ČNB conditions relating to the obligation to state all types of prices for services is modified, especially by the provisions of article IV. para. 1 of these Conditions where reference to the Price list is stated.

b)

The provisions of article III. paragraph 4 letter g) of the ČNB conditions relating to complaints about services and handling of these is modified in article VI. of these Conditions and in the Bank’s complaints regulations.

c)

The provisions of article IV. paragraph 1 of the ČNB conditions relating to informing of the holder about changes to the Conditions is regulated for differently in article XII. paragraph 1 of these Conditions and in article XXXI of the General conditions.

d)

The provisions of article V. paragraph 7 letter d) of the ČNB conditions regulating the obligation of the card issuer to inform the card holder of exchange rate used is regulated for differently from the ČNB conditions in article V. paragraph 10 of these Conditions.

e)

The provisions of article V. paragraph 6 of the ČNB conditions on the obligation of the card issuer to prove in the event of dispute with the holder that the contentious operation was not influenced by a technical fault or other defect is regulated for differently in article VIII. of these Conditions.

f)

The provisions of article VI. paragraph 1 letter a) of the ČNB conditions on liability of the card issuer in relation to non-performance or erroneous performance of an operation on devices outside of the control of the Ister and article VI. para. 2 of the ČNB conditions on provision of amounts of erroneous or non-preformed transactions to the holder by the issuer are regulated for differently in article VIII. of these Conditions and article XXIX. Of the General conditions. Liability of the Bank for an operation for which it was given an instruction by the card holder and for possible

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errors and discrepancies created on the part of the Bank in terms of billing for transactions performed using the credit card pursuant to article VI. paragraph 1 letter b) and c) of the ČNB conditions is not affected by this. g)

The provisions of article VIII. paragraph 1 and 2 of the ČNB conditions regulating the liability of the holder for financial loss in the event of loss of the electronic means of payment are regulated for differently in article IX. paragraph 1 to 5 of these Conditions with a view to Bank policy in the area of avoiding fraud.

II. Issuing of cards 1.

The Bank issues cards for accounts held in the following currencies: CAD, CZK, EUR, GBP, CHF, SKK or USD on the basis of a Contract. The Contract is governed by the legal system of the Czech Republic.

2.

A client may apply for issue of a card for himself/herself or for any other third party older than 18 years of age and in the event of Cards issued to minors over the age of 15, if the Client authorises this person to dispose of the funds in the Account using the card.

3.

The Client is obliged to ensure that the Holder adheres to the obligations as set out in the Contract.

4.

By signing the Contract, the Client grants their consent for the Bank to implement billing for all payments performed using the Card issued on the basis of the Contract and all prices and costs relating to use of the Card to the debit of the Account. By signing the Contract, the Client and the Holder also agree for the Bank to inform other banks in CZ of any possible violation of the Contract and for the pertinent Card association to be provided with informatik relating to the Card.

5.

The Client and the Holder also agree with the Bank providing the pertinent Card association with information about the Client and the Holder for the period of effectiveness of this Contract to the extent of their name, surname, address, information about the Card and transactions performed using the Card – place, date and amount of the transaction, for the purpose of offering business and services provided by the pertinent Card association and in order for the pertinent Card association to process this information for the stated purpose. The cases of consent given are voluntary and the Holder is entitled at any time to retract these. Retraction of consent must be made in writing to the Bank. More information about the rights of the Client and the Holder in relation to personal information pursuant to this paragraph are set out in article XXVIII. of the General conditions.

6.

After conclusion of the Contract or as the case may be submission of the Client’s own Card design by the Client in accordance with the conditions for Notification by the deadline as set out hereinafter, the Bank will ensure production of the Card, deliver this along with the PIN to the Client’s branch and inform the Holder of the date for handover of the Card. In the case of a Card with the Client’s own design, the Client is obliged within 30 calendar

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days of signature of the proposal for conclusion of a Contract, using the Design code provided to them by the Bank, to enter the specific design of the Card on the www.mojekarta.cz website, which is in accordance with the conditions of Notification of the Client’s own design of Card, in order that the Bank can ensure production of the Card. If the submitted Card design conflicts with the conditions for Notification valid and effective at the time the Client’s own Card design is submitted, this deadline is extended for another two own Card design submissions by 30 calendar days, to a maximum however of 90 days from signature of the proposal for conclusion of a Contract. The Bank is also entitled to refuse to issue a Card with the Client’s own design if this design conflicts with these provisions or as the case may be conflicts with article I. of the Notification. The Bank is entitled to refuse to issue a Card even without stating its reasons. The Bank is entitled to suspend or cancel services provided in connection with a Card with the Client’s own design if it ascertains that the personalised design of the Card in question conflicts with these Conditions. 7.

The Holder takes receipt of the Card and the envelope with the PIN in person at the Client’s branch. Handover of the Card and the PIN must take place at the same time. When taking receipt of the envelope with the PIN, the Holder checks its integrity and confirms receipt of the Card and the envelope with the PIN in writing for the Bank. By accepting the Card, the Holder expresses thein consent to depiction of their own design on the Card. The Bank recommends that the Holder destroys the envelope with the PIN as soon as they have remembered the PIN. The Holder is entitled to refuse to take receipt of the Card and the envelope with the PIN if the envelope with the PIN is damaged on handover.

8.

If the Holder refuses to take receipt of the Card or as the case may be, if Theky do not take receipt of the Card within 30 calendar days of delivery of call by the Bank to the Holder to do so, the Bank will destroy the Card and the envelope with the PIN and bill all costs relating to issue and destruction of the Card to the debit of the Account.

9.

The method of creation and distribution of PIN codes guarantees that this PIN is known only to the Holder. The PIN may not be marked on the Card, stored together with the Card in one place or divulged to third parties. The Bank will not be liable for damage caused as a result of divulgence of the PIN.

III. The Card 1.

The Card is the property of the Bank. By taking receipt of the Card, the Holder acquires the right to use the Card in accordance with the Contract. After empiry of authorisation to use the Card, the Holder is obliged to return the Card to the Bank without unnecessary delay. If the Holder retains the Card even after thein entitlement to use it has expired, they will bear full liability for abuse of the Card and re obliged to compensate the Bank for all damage created in this manner without unnecessary delay.

2.

The Card is marked with its number, the name of the Holder and in the case of company cards also with the trading name or name of the Client, the date

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the Card’s validity expires and the security elements prescribed by the pertinent Card association and as the case may be, it is also fitted with a chip and possibly also the Client’s own design. The Card is also equipped with a signature strip, which the Holder is obliged to sign on receipt of this at the Client’s branch. Neither the Client nor the Holder are entitled to make any changes whatsoever or modifications to the Card or to make a copy of it. 3.

The Holder is obliged to store the Card in a safe place, separately from thein personal documents, to take all necessary measures to prevent abuse of the Card and to protect the Card against mechanical damage and magnetic fields (speakers, transformers, magnetic locks and mobile telephones).

4.

The Card can be used until the last day of the month and year of validity as stated on the Card. Before expiry of the period of validity of the Card, the Bank issues the Holder with a new Card, in the event of a Card with the Client’s own design, the Bank issues a new Card with the last approved own design, which the Bank has available at the moment of production of the Card. The Holder is entitled to collect the new Card at the Client’s branch at the earliest 14 days before expiry of the period of validity of the original Card. If the Holder refuses to take receipt of the new Card or as the case may be, does not take receipt of the Card within 30 calendar days of delivery of call to do so by the Bank to the Holder, the Bank will destroy the Card and bill all costs relating to issue and destruction of the Card and the annual fee for use of the Card pursuant to article IV. paragraph 1 of these Conditions to the debit of the Account.

5.

If the Client or the Holder are not interested in issue of a new Card pursuant to paragraph 4, the Client is obliged to make notification of this at the Client’s branch at the latest on the last Business day of the month preceding the last month of validity of the Card. If the Client’s notification that they are not interested in issue of a new Card is delivered to the Bank after expiry of the deadline as set out in the first sentence of this paragraph, the Client will compensate the Bank for costs for production of the Card and the annual fee for use of the Card pursuant to article IV. paragraph 1 of these Conditions. The Bank is entitled to bill these costs to the debit of the Account.

IV. Price for use of the Card 1.

The Client will pay the Bank the price for use of the Card at the level as set out in the Price list, dependent on the type of Card used. The price for use of the Card is paid for the calendar year in advance and is always due on the 9th day after production of the Card, the 1st day of the 13th month of validity of the Card and the 1st day of the 25th month of validity of the Card. The Client is obliged to maintain the requisite balance in the Account to cover the price until implementation of such payment by the Bank.

2.

The Client is not entitled to return of the billed annual price for use of the Card if expiry of the Card occurs before expiry of the period of its validity. In the event of notice being given from the Contract by the Holder or the Client, the Client will not be obliged to pay the Bank the price for use of the Card for the following calendar year if the notice from the Contract is delivered to the

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Client’s branch at the latest by the last Business day in the month, with the same numerical denomination as the numerical denomination of the month as stated on the Card indicating the end of validity of the Card. The provisions of the previous sentence will not apply in the event of billing for the price for use of the Card pursuant to article III paragraph 5. 3.

Prices for the Banking services provided to the Client or as the case may be the Holder in relation to use of the Card (e.g. withdrawal from the Bank’s ATMs, other domestic or foreign banks, withdrawal of cash at the Bank counter, other domestic or foreign banks, implementation of changes in the Contract, Stoplisting, Emergency Replacement Card, Emergency Cash Advance, provision of additional services handover of a Design code and similar) are set out in the Price list and are payable at the moment of provision of the Banking service in question. The price for provision of additional services, which the Bank provils on the basis of a separate contract are paid for the calendar year in advance and are due together with the price for use of the Card.

4.

All prices billed to the Client or the Holder in relation to the Contract will be billed to the debit of the Account.

V. Use of the Card 1.

The Holder will use the Card in accordance with the Contract. The Bank is entitled to refuse consent to implementation of certain types of operation performed using the Card or certain types of transaction, for example written postal or telephone orders with the use of identification information contained on the Card in the event of so-called authorisation.

2.

The Bank does not examine the legitimacy of transactions performed using the Card. The Client is responsible for the Card not being used in conflict with the legal regulations at the location the Card is used.

3.

The Holder is entitled to perform transactions using the Card up to the level of the weekly limit as set out in the Contract. The Bank is entitled at any time to change the level of this limit.

4.

The Holder is entitled to use the Card to draw on funds, only to the level of the balance in the Account or as the case may be to the level of the authorised overdraft if the Bank and the Client have agreed on establishment of an authorised overdraft for the Account, subject to the conditions agreed for this authorised overdraft.

5.

The method of transfer of information about the balance in the Account between the Bank’s central information system for payment cards and the authorisation system for payment cards need not in certain cases allow for projection of current changes due to technical reasons. These changes may not be processed in the authorisation system for payment cards until the next Business day.

6.

When using the Card for payment, the pertinent trader draws up a sales slip, which the Holder signs. The signature of the Holder on the sales slip must correspond to the signature sample on the Card, if it does not, the trader is © Komerční banka, a. s.

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entitled to refuse implementation of payment using the Card. The Holder is also obliged to prove their authorisation to use the Card using the PIN (entry of the PIN on the keyboard of the payment terminal), or as the case may be to provide an ID document if the trader so requests in relation to implementation of payment using the Card. The PIN is not required when making payment using the Card when using a remote means of communication (telephone, email, fax and similar). The signature is not required when implementing a transaction with the Card at self-service terminals. 7.

When making cash withdrawals at bank branches and exchange offices using the Card, the Holder is obliged to present an ID document along with the Card.

8.

When withdrawing cash from ATMs using the Card, the Holder is obliged to enter the PIN on the keyboard of the ATM.

9.

All operations with the Card during which the PIN is entered must be performed by the Holder alone without the assistance of third parties.

10. Operations about which the Bank receives reports about from the pertinent Card association, are debited from the Account daily. Amounts paid out in other currencies than the currency in which the Account is held are converted using the Exchange rate valid on the date the operation is billed by the Bank, according to the foreign Exchange rate for sale and for operations, which are performed in CZK using the Card issued for an account in a foreign currency, the foreign Exchange rate for buying. In the case of operations from international billing of Card associations, the Bank uses the above-mentioned Exchange rate for the amount, which was converted according to the regulations of the pertinent Card association. If a credit operation is implemented for the operation implemented and this is performed by a trader whose operation is processed by another bank, the Bank will not bear any liability for an possible difference in the level of converted amounts created as a result of time delay between processing of debit and credit operations. 11. The Bank will inform the Client about billed operations using the Card with a special statement, which is delivered to the Client in the manner and by the deadlines as agreed in the Contract. In the Account statement, transactions performed on one day are stated individually. Prices for services implemented and operations are billed separately. 12. The Bank is entitled to debit the Account for all costs, which are created for it as a result of violation of the Contract by the Client or the Holder.

VI. Complaints 1.

If the Client does not agree with a billed item relating to an operation performed using the Card or a price for a Banking service provided, they make a claim at the Client’s branch without delay, at the latest however within 40 calendar days of the date of billing of the item by the Bank. The deadline for making complaints is derived from the complaints regulations of the pertinent Card association. The Client is obliged to append copies of

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documents relativ to the operation being claimed for to the claim and to state their precise address including telephone number. On request by the Bank, the Client will supplement this with information or documents required for evaluation of the claim at the latest within 10 calendar days of delivery of call to do so by the Bank. Delay on the part of the Client with handing over the documents requested by the Bank may result in suspension of the complaints proceedings as a result of non-adherence to the complaints deadlines as set by the pertinent Card association. 2.

The Holder’s signature on the card will be used as the sample signature for the Card Holder for the purpose of complaints proceedings in the event of abuse of the Card of the identification information stated on the Card.

3.

If the Holder does not receive the requested amount when making a withdrawal from an ATM using the Card and this is still debited from the Account, the Holder is obliged without unnecessary delay to notify the Bank of this at the Client’s branch in writing on the pertinent form. In such a case the Holder states the following on the complaint : (i) the exact location (city, country), date, time and amount being claimed, which was withdrawn, and (ii) the operator of the ATM (according to the logo on the screen). In the case of claims for withdrawals from ATMs abroad, it is also appropriate to state the text on the screen of the ATM. When staying abroad, the Holder must also contact the Client line where they will receive instructions or contact the nearest bank, which is indicated with the logo of the Card association, which issued the Card.

4.

The Bank will cancel the item claimed for and credit the corresponding funds back to the Account or implement another appropriate measure if they find the claim to be justified. If not, the Client’s claim will be rejected. The Bank will inform the Client in writing of the result of the claim without unnecessary delay after the complaints proceedings have ended.

5.

Complaints proceedings with the Bank in the case of complaints relating to foreign operations or fees for foreign operations including deadlines for handling complaints will be governed by the regulations of the pertinent Card association relating to complaints. For complaints relating to other operations using the Card, the Bank’s complaints regulations will be applied unless these Conditions determine otherwise.

6.

The Bank will inform the Client within 30 days of submission of the complaint about the status of the course of handling their complaint.

7.

All complaints relating to billing for services provided to the Holder by operators of mobile telephones shall be exercised at the customer centres of these operators.

VII. Additional services for cards and provision of information 1.

Additional services are an integral part of the advantages relating to use of certain types of Cards. Card Holders automatically become authorised persons, which these services will be provided to. Entitlement to provision of additional services is created for the Holder on conclusion of the Contract. The

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Bank is entitled at any time to cancel provision of a service, to change its content or to introduce a new additional service. 2.

Holders may also use optional additional services with the consent of the Client and after conclusion of the pertinent contract according to the current offer of the Bank. Use of optional additional services shall be governed by a separate contract unless these Conditions determine otherwise.

3.

The Client or as the case may be the Holder consents to the Bank providing their identification data, including possible personal information to the extent as set out in the Contract, to providers of additional services. The Bank shall not be held liable for unauthorised use of identification information including personal information handed over by the Bank to providers of additional services in accordance with the Contract.

4.

If the Holder uses services provided by mobile operators with their Card, for example recharging of prepaid credit for a mobile telephone using the Card, they are obliged to adhere to the same security principles when using the DPIN as when using the PIN. The Bank shall not be liable for possible abuse of the DPIN for reasons on the part of the Client of the Holder.

5.

In the event of loss or theft of the mobile telephone for which the holder gained a DPIN, the Client or the Holder is obliged to immediately cancel the pertinent registration either at the Bank’s ATM or on the “Help-line” of Global Payments Europe, a.s. The Bank will debit all operations from the Account until cancellation of registration.

VIII. Liability 1.

In the event of a dispute with the Holder or the Client, the Bank will investigace the operation being claimed for using all available means. The Bank shall not be liable for non-performance of an operation due to use of equipment, which was not approved for use of Cards. Circumstances, which are regarded as precluding liability on the part of the Bank especially include power cuts, defects or restricted functioning of the ATM, refusal to accept the Card for payment for goods or services provided by the seller or as the case may be the provider of such services, including other financial institutions and similar.

2.

The Bank is entitled at any time to change, suspend or cancel some or all of the services provided in connection with the Card.

3.

The Client is obliged to compensate the Bank for damage, which is created for it in causal relation to positioning of the Client’s own design on the card in question.

IX. Loss, theft and retention of the card in an ATM 1.

In the event of loss or theft of the Card or if there is any danger of its unauthorised use, the Holder or the Client are obliged to inform the Bank of this fact either by telephone or fax via the Client line or in person on the pertinent form in the Bank. If either of the above-mentioned facts occurs during a stay abroad, the Client or the Holder must immediately inform the

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Bank of this fact via the Client line or in person at a branch of a bank, which is a member of the pertinent Card association. A third party may also provide notification pursuant to this paragraph on behalf of the Holder or Client. 2.

After delivery of notification pursuant to the previous paragraph, the Bank inserts the Card in the Stoplist. The Bank debits the fee for insertion of the Card into the Stoplist from the account at the level as set out in the Price list. If refusal to issue a new Card does not occur at the same time as notification pursuant to paragraph 1, the Bank will issue the Holder with a new Card with the validity period of the original Card, including identification cards for use of additional services and will send the Holder the Card and the new PIN to the Client’s branch. In the event of a Card with the Client’s own design, the Bank issues a new Card with the last approved own design, which the Bank has available at the moment of production of the Card. For handover of the new Card and PIN to the Holder, appropriate application is made of article II. paragraph 7 and 8 of these Conditions. In urgent cases, the Bank and the Holder may agree on delivery of the new Card and the new PIN to another location in the Czech Republic or abroad. The Bank issues the new Card subjekt to the conditions as set out in this article free of charge; however the Client must compensate the Bank for costs relating to delivery of the new Card and PIN to the Holder.

3.

On notification of loss or theft of a Card, the person making this notification is obliged to communicate information to the Bank according to which the Bank will be able to identify the Card, i.e. the number of the Card, personal information about the Holder including residency address and type of Card. The person making this notification is also obliged to communicate all circumstances to the Bank, which are known to them concerning the loss or as the case may be theft or suspicion of unauthorised use of the Card. In the event of notification of loss, theft or unauthorised use of the Card by telephone, the Bank will inform the person making such notification of the numerical code of the Stoplisting as a record of the case in question. The Client or the Holder are obliged to use this code for identification of the case on further negotiations with the Bank in relation to the Stoplisting in question.

4.

If the Card is lost or stolen abroad, the Holder and the Bank may agree that the Bank will issue the Holder with a replacement card (“Emergency Replacement Card”), which has a limited period of validity and which can be used for payment for goods and services in commercial networks using an imprinter or payout of replacement cash (“Emergency Cash Advance“).

5.

The Bank is liable for damage created as a result of unauthorised use of the Card after notification of loss or as the case may be theft or suspicion of unauthorised use of the Card made by telephone in the manner as stated above in this article. For operations for which the time of the operation cannot be ascertained (e.g. from the accounting document or authorisation record), the Bank is liable for unauthorised use of the Card from the calendar day directly following notification of loss, theft or suspicion of unauthorised use of the Card in the manner as stated above in this article. If the correct PIN or DPIN was used during unauthorised use of the Card, the Client shall be held

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liable for all transactions implemented in full for the whole period over which the Card was abused. 6.

If the Card is withheld in an ATM within the territory of CZ, the Holder is obliged to contact the Client line. The Holder is entitled to request issue of a Card withheld in this manner at the Bank branch, which administers the ATM within 2 Business days. The Card will not be returned to the Holder if the Holder of the Client violated the Contract or if the above-mentioned deadline has expired.

7.

If a Card is withheld by an ATM abroad, the Holder is obliged to make a note of the date and time the Card was withheld, the location of the ATM and the operator of the ATM according to the logo on the screen. The Holder is obliged to immediately inform the Client line and to communicate the requisite information. The Holder hereby acknowledges that they may request that the pertinent foreign bank administering the ATM returns the Card, this bank is not however obliged to return the withheld Card to the Holder.

8.

The Client line is operated via public telephone lines, which are not protected against abuse of messages transported via them, the Bank is not liable for damage caused to the Client as a result of abuse of messages handed on to the Bank via the Client line.

9.

The Client or as the case may be, the Holder agrees that their telephone calls with the Bank to the Client line be recorded by the Bank, stored and in the event of any dispute, used as evidence.

X. Expiry of the contractual relationship 1.

The Contract expires a)

By notice given by the Client, the Holder or the Bank,

b)

On the Determining day, or as the case may be expiry of the Client – corporate entity

c)

Destruction of the Card pursuant to article II. paragraph 8 or article III. paragraph 4 of these Conditions,

d)

Expiry of the period of validity of the Card unless its validity is renewed in the manner as set out in article III. of these Conditions,

e)

Insertion of the Card on the Stoplist if the Client or as the case may be the Holder also refuse issue of a new Card or do not accept a newly issued Card pursuant to article IX. paragraph 2 of these Conditions,

f)

At the moment when the Bank learns of destruction of the Card,

g)

At the moment of delivery of notice from the Contract on establishment and administration of an Account to the Bank or the Client by the other party,

h)

Expiry in vain of the deadline as set out in article II. paragraph 6 of these Conditions,

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i)

At the moment of third violation of the conditions as set out in the Notification on submission of a Card design by the Client pursuant to article II. paragraph 6 of these Conditions,

j)

At the moment of the third violation of the conditions as set out in the Notification when submitting the Card design by the Client pursuant to article II. paragraph 6 of these Conditions.

2.

The Client or the Holder are entitled to give written notice from the Contract at any time. Notice comes into effect on the date it is delivered to the Bank. If notice is being given from the Contract by a Client who is not the Holder, Theky are obliged to deliver a copy of the notice to the Bank and also the Holder.

3.

The Bank is entitled to give notice from the Contract at any time in writing. Notice comes into effect on the date it is delivered to the Client.

4.

The Bank puts the Card on the Stoplist on the date of expiry of the Contract and in the event of notice from the Contract by the Bank, at the moment notice from the Contract is sent. If the Client or the Holder do not return the Card to the Bank at the same time as submitting notice pursuant to para. 1 letter a) or g) of this article, the Bank will put the Card on the Stoplist at the cost of the Client. This provision is not applied in the event of expiry of the Contract pursuant to para. 1 letter h) or i) of this Article.

5.

The Bank is entitled for a period of 45 days from the date of expiry of the Contract to debit the Account for operations performed using the Card and the prices for Banking services provided in relation to this Contract. The Client undertakes that for the duration of this period, they will not give notice from the pertinent contract on establishment and administration of an Account and that they will not cancel the Account. This provision is not applied in the event of expiry of the Contract pursuant to para. 1 letter h) or i) of this article.

XI. Definition of terms Terms starting with a capital letter have the following meanings in these Conditions: „Account“ is the Client’s current account held by the Bank as set out in the Contract. „Bank“ is Komerční banka, a.s. registered office: Prague 1, Na Příkopě 33, no. 969, postcode: 114 07, company ID number: 45317054, recorded in the Commercial Register held by the Municipal Court in Prague, section B, insert 1360. „Banking services“ are any banking transactions, services and products provided by the Bank on the basis of the Bank’s banking licence, including investment services provided by the Bank as a trader in securities. „Business day“ is a day, which is not a Saturday, Sunday, national holiday or other holiday in terms of the pertinent legal regulations and on which the Bank is open for provision of Banking services, and also on which other institutions, which participate in provision of Banking services or on which provision of Banking services are dependent, are open for provision of the pertinent services. © Komerční banka, a. s.

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„Card“ is a payment card issued by the Bank pursuant to the regulations of the pertinent Card association on the basis of a Contract. „Card associations“ are international associations providing licence to the Bank for issue and use of VISA or MasterCard payment cards. „Client“ is a natural person or corporate entity, which concluded a Contract with the Bank and for which the Bank holds and Account. „Client line“ is the non-stop telephone line – „Customer Service KB“. The telefone numbers for the Client line are state on the info card, which the Bank provides for the Holder at the same time as the Card, in that the Bank will inform the Holder of any possible changes to the telephone numbers in advance. The telephone numbers are also available at the Bank’s branches and on the Bank website. „Client’s branch“ is the Bank branch, which holds the Client’s account. „Contract“ is the contract on issue of the Card concluded between the Bank and the Client or as the case may be the Holder, part of which are the General conditions and these Conditions. „ČNB conditions“ are defined in article I. paragraph 3 of these Conditions. „Determining day“ is the day when the Bank learns of the death of the Client of Holder in a trustworthy manner, i.e. the day when demonstrative documents are delivered to the Client’s branch about the fact that the Client or the Holder has died or has been declared dead (e.g. death certificate, letter from a court of notary performing inheritance proceedings court resolution with legal validity clause concerning declaration of the Client of Holder as dead). „DPIN“ a personal identification number for direct recharging of credit for mobile telephones via the Card generated by an ATM on the basis of instruction by the Holder. „Exchange rate“ is the exchange rate declared by the Bank. „Holder“ is the person authorised to use the Card who concluded a Contract and whose name is stated on the Card. The Holder may be the Client or a third party authorised by the Client. „Notification“ is notification by the Bank containing the conditions for design of a Card with a personalised design. The Notification is available at the Bank’s branches and on the www.mojekarta.cz website „PIN“ is a personal identification number used for identification of the Holder and for proving their authorisation to use the Card when performing electronic transactions. „Price list“ is a summary of all fees as set by the Bank, other prices and other payments for Banking services or relating to these, which the Bank issues and regulates. The Price list is available at the Bank’s branches and also in an abridged form on the Bank website. „Product conditions“ are the Bank conditions regulating provision of individual Banking services.

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„Stoplist“ is a list of Cards, which may not be used for any operations. „Stoplisting“ is insertion of a Card into the Stoplist.

XII. Closing provisions 1.

The Bank is entitled to continuously amend these Conditions in the manner as set out in the General conditions.

2.

These Conditions cancel and replace the Conditions for issue and use of Eurocard/MasterCard and VISA payment cards issued by Komerční banka, a.s. on 18. 7. 2006.

3.

These Conditions come into effect on 1. 6. 2007.

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