BUSINESS TERMS AND CONDITIONS FOR PROVISION OF ELECTRONIC BANKING SERVICES FOR INDIVIDUALS

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1 BUSINESS TERMS AND CONDITIONS FOR PROVISION OF ELECTRONIC BANKING SERVICES FOR INDIVIDUALS UniCredit Bank Czech Republic and Slovakia, a.s., Želetavská 1525/1, Prague 4 Michle, Company Registration No.: , registered in the Companies Register of the Municipal Court in Prague, Section: B, File No.: 3608, during performance of banking activities in the Slovak Republic through UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky, Šancová 1/A, Bratislava, Company Registration No.: , registered in the Companies Register of the District Court Bratislava I, Section: Po, File No.: 2310/B (hereinafter referred to as the "Bank"), provides its clients, being the consumers, (hereinafter referred to as the "Client" or "Clients ) with selected electronic banking services and issues relating payment means allowing Clients electronic submission of payment orders and authorisation of payment operations, as well as other electronic communication with the Bank in the agreed manner via the Internet, public telecommunication networks or mobile phone operator networks (hereinafter referred to as the "Electronic Banking Services"). These Business Terms and Conditions for Provision of Electronic Banking Services of the Bank (hereinafter referred to as the "Business Terms and Conditions") shall define a part of the contract between the Bank and the Client, the subject-matter of which is the agreement on provision of the defined Electronic Banking Service (hereinafter referred to as the "Contract") and they shall define the binding rules for relationships between the Bank and the Client in relation to the provision of Electronic Banking Services. These Business Terms and Conditions shall enter into force from 1 January 2015 and they shall fully repeal and supersede the Business Terms and Conditions for Provision of Electronic Banking Services of UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky, Bratislava, effective from 1 February INTRODUCTION 1.1 The Bank shall provide Electronic Banking Services for selected banking services under the terms and conditions stipulated in the relevant Contract and, further, in compliance with the applicable legal regulations, General Business Terms and Conditions of the Bank for Performance of Banking Deals (GBTC), these Business Terms and Conditions, Business Terms and Conditions of the Bank for Provision of Payment Services, in compliance with the relevant Price List of Banking Services for the certain client segment (hereinafter referred to as the "Price List") and, as the case may be, in compliance with other contractual documents depending on the type of the agreed Electronic Banking Service. 1.2 The Bank shall have the right to change these Business Terms and Conditions or to add new provisions therein, in particular, in the case of provisions on communication between the Bank and the Client, on the terms and conditions for the User, on the blockage of Electronic Banking Services, on technical and security requirements for use of Electronic Banking Services, on liability for damage, as well as on the rules for changes to these Business Terms and Conditions. The Bank shall have the right to modify these Business

2 Terms and Conditions or to add new provisions therein, provided there are reasonable grounds for such modifications or supplementations, for instance, the need to change or explicitly redefine certain rights and obligations of the Parties due to changes to legal regulations, available technologies, situation on financial markets or the business policy of the Bank. The wording of the changes and supplementation or the full version of the Business Terms and Conditions so amended shall be notified by the Bank to the Client no later than 2 months prior to the date of the proposed effect of such amendment, in any manner agreed for the communication between the Bank and the Client within the relevant contractual relationship. Provided the Client disagrees with the draft amendment to the Business Terms and Conditions, he/she is therefore entitled to terminate the relevant contractual relationship in writing with effect as of the date immediately preceding the date of effect of the draft amendment or if it is the Client's statutory right, with immediate effect. If the Client does not refuse the Bank's draft, the new wording of the Business Terms and Conditions shall become binding on the concluded contractual relationship, as well as the change to the originally agreed terms and conditions of the contractual relationship, with effect from the date specified in the relevant amendment as the date on which the new wording of the Business Terms and Conditions enters into force. 1.3 Provided the rights and obligations of the Parties regulated by the Business Terms and Conditions change as a direct result of change to a legal regulation from which no contractual derogation is possible, the procedure under clause 1.2 shall not apply. The Bank shall inform the Client about such change. 1.4 The agreed Electronic Banking Services, if allowed by the Bank, may be used as a means of remote communication between the Client and the Bank, as well as for submission of proposals for conclusion of contracts and for notification of adoption of draft contracts, including potential changes thereto. When concluding contracts at a distance via the relevant Electronic Banking Service, authorisation using the customised security tool (clause 5.1 hereof) shall be equivalent to the Client's signature on a paper medium. 1.5 For the purposes of transmitting and disclosing information and notifications by the Bank to the Client in relation to use of Electronic Banking Services, the environment of the relevant electronic banking application shall be considered the agreed place of delivery. Information and notifications sent by the Bank shall be considered delivered on the date on which they are delivered to the mailbox of the relevant electronic banking application. 1.6 The Bank shall inform the Client via Electronic Banking Services about the fund balances on accounts and about the transactions made. The User (clause 2.1 below) of Electronic Banking Services is obliged to check, from time to time, whether the settlement reports correspond to the orders made and whether the orders made were implemented or rejected by the Bank. He/she is obliged to inform the Bank about discovered errors in settlement or other discrepancies without undue delay. 1.7 The Bank is entitled to provide the Client with all currently offered Electronic Banking Services specified in the Price List for the relevant client segment with the settings and recommended spending limits specified in the Summary of Services and Parameters. Provided the Client and the Bank agree on the provision of Service Package (as defined in the GBTC), the Bank is entitled to make available those Electronic Banking Services which are included in such package pursuant to the applicable Price List. Following conclusion of the Contract, the Bank is entitled to make available to the Client, to the extent permitted by the relevant Electronic Banking Service, all his/her accounts, cards and other banking products kept by the Bank in the name of the Client at the time of conclusion of the Contract and, subsequently, the Bank is entitled to make available every banking product opened or provided to the Client in the future. The Bank shall allow the Client, on his/her request, to make change in the attached accounts in individual

3 Electronic Banking Services, the degree of authorisation, and change in the amount of spending limits for payment operations. 1.8 In a special document named Summary of Services and Parameters of Electronic Banking (hereinafter referred to as the "Summary of Services and Parameters"), the Bank shall publish a list of products and description of individual Electronic Banking Services, including information regarding provided payment services, means of communication and technical requirements for Client's equipment, security components and method of use thereof, maximum spending limits, technical conditions for receipt of notifications of loss, theft, misuse or unauthorised use of means of payment, as well as other related information. The Bank shall publish the Summary of Services and Parameters in the current wording on its web domain and update it from time to time, of which it shall inform the Clients. 2. USER OF ELECTRONIC BANKING SERVICE 2.1 For the purposes hereof, the User of Electronic Banking Services shall mean the Client, provided he/she is using Electronic Banking Services in person, and also every individual authorised by the Client in a manner determined by the Bank to use the selected banking products and services for the Client's account and to perform payment operations via Electronic Banking Services in the name of the Client (hereinafter referred to as the "User"). 2.2 By authorising the User, the Client account owner grants his/her consent to the Bank to provide or make available to the User and, as the case may be, to the telephone numbers or addresses specified by him/her, any information notified by the Bank to the Client in relation to use of Electronic Banking Services, which would otherwise be subject to banking secrecy or protection according to the personal data protection regulations. Information or documents notified by the Bank shall be considered delivered to the Client on the date on which they are delivered to the User. 2.3 By accepting the authorisation from the Client, the User consents to the accuracy of the mentioned data and, at the same time, he/she expresses his/her commitment to follow the Contract, these Business Terms and Conditions, and other business terms and conditions of the Bank referred to hereby. The Client shall be liable for the User appointed by the Client informing himself/herself properly of the use of means of payment, in particular of these Business Terms and Conditions, and the Summary of Services and Parameters prior to the first use of Electronic Banking Service. 2.4 The User's authorisation to use Electronic Banking Service shall expire: a) upon written withdrawal of the authorisation by the Client, or b) upon written termination of the authorisation by the User, with the expiration of the authorisation becoming effective vis-a-vis the Bank only if it has been informed of the expiration. The User's access to Electronic Banking Services shall be cancelled no later than by the end of the following working day after the date of delivery of the Client's or User's notification of expiration of the authorisation, unless a later date is specified therein. 3. BLOCKING ELECTRONIC BANKING SERVICES 3.1 Provided the Client breaches the obligations following for the Client from the contractual relationship with the Bank in a serious or repeated manner, the Bank shall have the right to block the relevant Electronic Banking Service temporarily. 3.2 The Bank can block access to Electronic Banking Service in cases where unauthorised or fraudulent use thereof is suspected.

4 3.3 Further, the Bank shall have the right to block access to Electronic Banking Service in the case of enhanced risk that the Client will not be able to repay the loan granted by the Bank. 3.4 When the grounds for the blocking expire, the Bank shall cancel the blocking. 3.5 Blocking shall enter into effect as of the date of the Bank's decision. 3.6 The Bank shall inform the Client of the blocking at the Bank's initiative prior to the implementation thereof or immediately after the implementation thereof in an appropriate manner. 4. TECHNICAL REQUIREMENTS FOR PROVISION OF ELECTRONIC BANKING SERVICES 4.1 The Bank shall inform the Client of the requirements for minimum technical equipment for use of individual Electronic Banking Services in the Summary of Services and Parameters. 4.2 The Bank can interrupt or limit the availability and use of Electronic Banking Services for a period necessary for maintenance or processing of data. 5. SECURITY OF ELECTRONIC BANKING SERVICES 5.1 When using Electronic Banking Services, the User shall prove his/her identity by using the user number assigned by the Bank and/or by using a customised security tool, the use of which has been agreed between the User and the Bank. 5.2 Actions made with proper use of customised security tools shall be considered actions made by the User. There is express provision for payment operations being considered duly authorised by the User in that case. Where the relevant Electronic Banking Service for the relevant type of payment operation so permits, following a proper login to the relevant electronic banking application, the User's consent to making payment operation shall mean also a mere pushing of button to send payment. 5.3 The User is obliged to take all reasonable steps to protect his/her customised security tools, in particular he/she is obliged to hold and keep individual customised security tools requiring common use separately and, further, he/she is obliged to refrain from recording the user number or other similar codes assigned by the Bank in writing in a manner and to media allowing for misuse thereof by a third party. 5.4 Customised security tools shall identify the relevant User and they shall be nontransferable. The User shall be fully liable for the damage caused by loss, theft or misuse of customised security tools due to the User's negligence in securing these tools. 5.5 Provision of customised security tools may be charged by the Bank according to the Price List. 5.6 In the case of misuse or suspected misuse of Electronic Banking Services or in the case of loss or theft of customised security tools, the User is obliged to inform the Bank of this fact without undue delay. The User shall be liable for the damage caused due to breach of this obligation. 5.7 In the Summary of Services and Parameters and on its web pages and at points of sale, the Bank shall publish information regarding the way in which the User shall notify a loss, theft, misuse or unauthorised use of Electronic Banking Services. 5.8 The Bank shall unblock the relevant electronic banking application or security tool on the Client's/User's request based on successful identification of the authorised applicant.

5 6. SELECTED PROVISIONS ON LIABILITY FOR DAMAGE 6.1 The User shall be liable for all damage incurred by the Bank or third parties due to transmission of computer or mobile virus to Client's devices, devices of authorised persons or third-party device used by them. 6.2 The User is aware of the fact that the Bank bears no liability for the compatibility of banking applications with another application equipment on the User's device. The Bank shall bear no liability for damage and failures or loss of function of the User's device, as well as the User's mobile phone application software incurred due to fact that this device has been damaged or otherwise defected, that it lacked the features specified by the manufacturer or that it contained application software not compatible with the banking application. This shall be without prejudice to the regulation of exclusion or limitation of the Bank's liability under GBTC. 6.3 If the User obtains, through the relevant Electronic Banking Services, information regarding products provided to the User by third parties, the Bank shall bear no liability for the accuracy or availability of this information. This shall be without prejudice to the regulation of exclusion or limitation of the Bank's liability under GBTC. 7. FINAL PROVISIONS 7.1 The Parties shall have the right to terminate the Contract for Use of Electronic Banking Services in writing at any time. If the Contract is terminated by the Client, it shall expire on the first working day following the date of delivery of the notice to the Bank or on a later date specified in the notice; if the Contract is terminated by the Bank, it shall expire two months after the date of delivery of the notice to the Client, unless it is a notice on grounds of fraudulent conduct of the User, which shall enter into effect on the date of delivery thereof. 7.2 The Contract for Use of Electronic Banking Services shall expire no later than as of the date on which the contractual relationship with respect to the last product available to the Client via the Electronic Banking Services was terminated. UniCredit Bank Czech Republic and Slovakia, a.s. pobočka zahraničnej banky, Bratislava

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