TERMS OF RENDERING SERVICES BY RAIFFEISEN BANK POLSKA S.A. VIA ELECTRONIC ACCESS CHANNELS FOR SMALL ENTERPRISES

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1 TERMS OF RENDERING SERVICES BY RAIFFEISEN BANK POLSKA S.A. VIA ELECTRONIC ACCESS CHANNELS FOR SMALL ENTERPRISES Chapter 1 GENERAL PROVISIONS Section 1 The Terms of Rendering Services by Raiffeisen Bank Polska S.A. via Electronic Access Channels for Small Enterprises, hereinafter referred to as the Terms, issued by Raiffeisen Bank Polska S.A., having its registered office in Warsaw, based on Art. 109 sec. 1 items 2 and 4 of the Act Banking Law of 29 August 1997 (Dz. U. [Journal of Laws] No. 140, item 939, as amended) in relation to Art. 384 of the Act Civil Code of 23 April 1964 (Dz.U. No. 16, item 93, as amended) and based on Art. 8 sec. 1 item 1 of the Act on the Provision of Electronic Services of 18 July 2002 (Dz. U. No. 144, item 1204, as amended), shall apply: 1. to Agreements made with Customers prior to May 19, 2014, regardless of the legal status of the Customer s operations, 2. to Banking Product agreements made prior to May 19, 2014 with self-employed Customers - fully, as part of continuing the Bank s provision, prior to that date, of Polbank24 Internet Banking Services and Polbank24 Phone Services, 3. to Banking Product agreements made prior to May 19, 2014 with Customers other than self-employed, using Polbank24 Internet Banking Services and R-Online service prior to May 19, 2014, in a part, in the scope that providing the R-Online service also constitutes continuing the provision of Polbank24 Internet Banking services, 4. to Agreements made with Customers after May 19, 2014, regardless of the legal status of the Customer s operations. Section 2 The terms used herein shall have the following meaning: 1. Access Codes - Password, Start-up Password, Mobile Start-up Password, Identifier, TPIN Code, One-time Password, PIN Code for Mobile Token; 2. Agreement - An agreement based on which the Bank provides the User with access to Electronic Access Channels, including the Application/Agreement for Package; 3. Authorization - Confirmation of a specific Order made (signed) by the User, including the User s consent for the execution of a Payment Transaction through operations indicated in the Terms; 4. Bank - Raiffeisen Bank Polska Spółka Akcyjna with its registered Office in Warsaw at ul. Piękna 20, postal code , entered into the National Court Register under the KRS number 14540, tax identification number ; 5. Bank s Representative - An employee of the Bank or any other person authorized to perform specific actions on behalf of the Bank; 6. Banking Product - A banking activity executed by the Bank based on an agreement concluded by the Customer and the Bank, in particular, a bank account agreement or payment card agreement; 7. Call Center - An electronic access channel which enables the Bank to provide its services via telephone made available to the Customer by the Bank under the principles defined herein; 8. Card - A card issued by the Bank to the User, that has not been reported stolen or lost, or that has not been blocked; 9. Card Number - A number imprinted on the Card; 10. CC User - A natural person having full capacity to perform acts in law, authorized in writing by the Customer to independently contact the Bank by calling a telephone number indicated by the Bank and to make Orders in the Call Center in the name of the Customer within the Customer s accounts as well as to obtain information regarding these accounts; 11. Customer - An entrepreneur, including a natural person conducting business activity for his or her own account, a partnership or company: registered partnership, limited joint-stock partnership, professional partnership, limited liability company, joint-stock company as well as legal Raiffeisen Bank Polska S.A. z siedzibą w Warszawie przy ul. Pięknej 20, Warszawa, wpisana do Krajowego Rejestru Sądowego przez Sąd Rejonowy dla miasta stołecznego Warszawy, XII Wydział Gospodarczy Krajowego Rejestru Sądowego pod nr KRS , o nr REGON: , NIP: , o opłaconym kapitale zakładowym w wysokości ,00 PLN. Raiffeisen Bank Polska S.A. ul. Piękna Warszawa Tel *, Kod SWIFT: RCBWPLPW * koszt połączenia według taryfy operatora 1 RPOL_O_235_1504_02_INT_ENG

2 persons and other organizational units without legal personality, social organization, professional organization, association, foundation, religious association, obtaining revenues from sales of products and services in the amount determined by the Bank, having an Agreement with the Bank; 12. Division - An organizational unit of the Bank providing direct Customer service, including branch offices (a list of divisions and branch offices of the Bank, hereinafter jointly referred to as Divisions, along with the addresses thereof, is available on the Bank s website ( com) as well as in each Division of the Bank; 13. Electronic Access Channels (EAC) - Technical solutions and the Bank s IT systems described herein, which enable provision of electronic services via the User s equipment and the Internet or a mobile network, including such services as obtaining information about the Bank s Banking Products and the Customer s Banking Products, making statements of will regarding Banking Products, making Orders, informing the Customer about any changes in the offer or amendments to standard agreements: Internet Access Channels (IAC), Mobile Bank and Call Center; 14. Electronic Banking - Delivery of services and provision of access to Banking Products anywhere at any time via Electronic Access Channels; 15. Functionality Table - A list of Electronic Access Channel functionalities and Orders which can be made via Electronic Access Channels; 16. Identifier - A sequence of characters specific for every User, established by the Bank and used for Logging in to Electronic Access Channels; 17. Internet Access Channels (IAC) - IT access channels including R-Online, described herein; R-Online Business, described in the Terms of Use of the R-Online Business Internet Banking System; R-Dealer, described in the Terms of Use of the R-Dealer Electronic Trading Platform and the R-Dealer Mobile Functionality Available in the Mobile Bank for Personal Customers, or the Terms of Use of the R-Dealer Electronic Trading Platform and the R-Dealer Mobile Functionality Available in the Mobile Bank for Friedrich Wilhelm Raiffeisen Private Banking Customers, or the Terms of Use of the R-Dealer Electronic Trading Platform and the R-Dealer Mobile Functionality Available in the Mobile Bank for Small Enterprises, or the Terms of Use of the R-Dealer Electronic Trading Platform and the R-Dealer Mobile Functionality Available in the Mobile Bank for Corporate Customers; 18. List of One-time Passwords - A specification of Onetime Passwords; 19. Logging in - Verification (authentication) of the User s or CC User s identity in Electronic Access Channels; 20. Mobile Start-up Package - The Mobile Start-up Password and Identifier used for the first Logging in or Logging in after the Bank has unblocked Mobile Bank; 21. Mobile Start-up Password - A sequence of characters established by the Bank, used for the first Logging in or Logging in after unblocking Mobile Bank; 22. Mobile Token - A functionality of the Mobile Bank enabling Authorization by generating unique, one-time codes following the entry of the PIN Code for Mobile Token by the User; 23. One-time Password - A sequence of characters established by the Bank, used for the first Logging in, unblocking or Authorization in Mobile Bank or R-Online; 24. Order - A statement of will made by the User/CC User via an Electronic Access Channel connected with the execution 2 of Banking Product agreements concerning, in particular, management of funds collected on bank accounts, including Payment Transactions; 25. Password - A sequence of characters established by the User, used for Logging in to R-Online or the Mobile Bank; 26. Payment Services Act- Act dated August 19, 2011 on Payment Services, Journal of Laws No. 199, item 1175 as amended; 27. Payment Transaction - Initiated by the User or CC User via Electronic Access Channels or payment, transfer or withdrawal of cash nitiated by the Recipient, connected with the execution of a Banking Product agreement; 28. PIN Code for Mobile Token - A sequence of numbers used for Authorization, established by the User when activating the Mobile Token, separately for the Mobile Bank applications as well as separately for each mobile device on which these applications are installed. The entry of PIN Code for Mobile Token results in the generation of a unique, one-time code; 29. Remote means of communication - Communication channels allowing to enter into agreements; performing orders or obtaining information on the services provided by the Bank using ITC devices; 30. Start-up Password - A sequence of characters established by the Bank, used for the first Logging in or Logging in after unblocking Internet Access Channels; 31. Starter Pack - A Start-up Password and Identifier used for the first Logging in and unblocking Internet Access Channels by the Bank; 32. TPIN Code - A sequence of characters established by the User or CC User, used for confirming the User s or CC User s identity in the Call Centre; 33. User - A Customer or Private individual, holding a full legal capacity, authorised by the Customer to place Instructions or the Customer s behalf and for him, in relation to banking activities, for which the Bank entered in agreement with the Customer, via Electronic Access Channels and meeting the requirements specified in these Rules; Chapter 2 Scope of Services Section 3 1. Pursuant to the Agreement, the Bank shall provide the User with the Electronic Access Channels indicated in the Agreement, including: 1) Call Center telephone service, 2) Mobile Bank mobile banking service, 3) R-Online Internet banking service. 2. Upon the conclusion of the Agreement, the Bank shall provide the User or CC User indicated in Appendix number 1 to the Application/Agreement for Package or in the Application with the Electronic Access Channels to products and services offered by Raiffeisen Bank Polska S.A. to Small Enterprises. The Bank makes the Electronic Access Channels available as part of continued provision of services: Polbank24 Internet Banking Services and Polbank24 Phone Services, to Customer indicated in 1 sec. 2 and 3 and within the scope indicated in those clauses. 3. The User shall be a person who: 1) is authorized to independently represent a legal person or an organizational unit without legal personality, including but not limited to an independent proxy, a partner in a partnership, 2) is an entrepreneur, for individuals conducting

3 sole proprietorships and private partnerships if the partners may independently and without any limitation act for the partnership, 3) is an attorney-in-fact, authorized to act singlehandedly for an on behalf of the Customer with regard to banking product agreements made between the Bank and the Customer, throughout all service channels, established under power of attorney granted: a) in the form of a notarial deed; b) in written form bearing a signature certified by a notary public; c) in written form using the Bank s form in the presence of the Bank s Employee. 4) shall have the right to represent the Customer independently - regardless of the legal status of the Customer s operations. 4. On the date these Rules become effective the Bank allows Users, referred to in sec. 3, point 1) and 2), via Electronic Access Channels, to place Instructions and access information subject to banking secrecy related to Banking Product agreements made with the Bank, as well as those made with Polbank EFG S.A., to which the Bank is a legal successor, provided the functionality of a given channels allows to do so. In the scope of the Call Center service and Banking Product agreements made with the Polbank EFG S.A., access referred to in the preceding sentence is possible only for self-employed Customers. 5. A User referred to in sec. 3 point 3), after May 19, 2014, may place Instructions and receive information subject to banking secrecy via Electronic Access Channels, provided the Customer assigns the User, in the Bank s Division, with authorisations for placing Instructions for Banking product agreements made with Polbank EFG S.A., to whom the Bank is a legal successor. This provision applies to CC Users referred to in sec. 6 as well, provided the Customers is self-employed. 6. A CC User may be a person authorized by the Customer in writing to independently use the Call Center and place Orders on behalf of the Customer in the scope indicated in the Functionality Table. 7. Taking away access to Banking Products via Call Center from a CC User is done on the Customer s instruction, using the Bank s form, submitted to the Bank s Representative, or via telephone. 8. Upon concluding the Agreement as well as during its term, the Customer shall be obliged to indicate at least one person satisfying the conditions established for Users. 9. The Bank reserves the right to decline providing access to the User or CC User in the case there are doubts in relation to their authorisation to act on behalf of the Customer. 10. Users and CC Users authorised until the effective date for the Rules shall keep their existing authorisations. 11. The Bank may change the name of Electronic Access Channels and provided applications and shall inform the Customer thereof. A change of the name of Electronic Access Channels and provided applications shall not affect the rights and obligations of the parties stipulated in the Agreement. 12. The list of functionalities and Orders that may be made by the User or CC User via the Electronic Access Channels is included in the Functionality Table, constituting an appendix to these Terms. The aforesaid information may be obtained also in the Divisions, the Call Center or from the Bank s Representatives. 13. Statements of will connected with the execution of banking activities, made by the Customer and the Bank electronically via an Electronic Access Channel and authorized as stated herein, comply with written form requirements in accordance with Art. 7 of the Banking Law Act dated August 29, Chapter 3 Conclusion of Agreement and Scope of Services Section 4 1. The Agreement may be made: 1) in writing, at the Bank s division or outside of it, with the Bank s representative, 2) remotely using remote means of communication, provided the Bank makes such service available, including orally - via phone - with self-employed Customers, 3) in another way agreed with the Customers. 2. Entering into an oral Agreement takes place after the Customer s identity is verified by the Bank s checking the phone number from which the Customer initiates the connection with the Bank (the number should match the number provided by the Customer for contacting the Bank), combined with correct answers being provided to the Bank s questions. After entering into the Agreement, the Bank sends contract templates regarding the methods of fulfilling the Agreement to the correspondence address or in other way agreed with the Customer. 3. The Agreement is concluded for unspecified time, in Polish only. The Customer shall be obliged to provide a Polish mobile telephone number (beginning with the prefix: +48 ), necessary for sending the Starter Pack and One-time Password, or a contact telephone number for the Call Center service. The Parties may provide a non- Polish mobile telephone number. Chapter 4 Call Center Section 5 1. In order to be able to use the Call Center, the User/CC User shall be equipped with a telephone device using tone frequency and enabling connection with the number indicated by the Bank. 2. The list of Call Center numbers is available in the Divisions, from the Bank s Representative and on the Bank s website. 3. Upon the first Logging in to the Call Center, the User/CC User shall be obliged to establish the TPIN Code unless his or her Orders exclude Logging in to the Call Center, by providing the Identifier and TPIN Code or by providing the Card Number and TPIN Code. 4. The TPIN Code may be established or changed by the User/CC User at any time upon Logging in to the Call Center. The User may establish or change the TPIN Code upon Logging in to R-Online via the website www. raiffeisenpolbank.com. 5. In order to make an Order or obtain information about his or her Banking Products, the User shall be required to Log in to the Call Center. 6. The User/CC User logs in to the Call Center through: 1) entering the correct Identifier and TPIN Code in an automatic service and simultaneously providing correct answers to the questions asked by the Bank, or 2) entering a correct Card Number and TPIN Code 3

4 in an automatic service and simultaneously providing correct answers to the questions asked by the Bank, or 3) simultaneously providing correct answers to the questions asked by the Bank. 7. The User/CC User shall make Orders via the Call Center upon successful Logging in. Orders in particular connected with charging the Customer s accounts, making or changing orders to charge the Customer s accounts shall require Logging in to the Call Center using Identifier and TPIN Code or Card Number and TPIN Code. 8. The CC User may independently place Orders in the name of the Customer via the Call Center within the scope indicated in the Functionality Table. 9. The User/CC User shall perform Authorization through oral confirmation of an Order read by the Bank. Moreover, the Bank may require additional Order Authorization when calling the Customer with the use of the number designated for contact with the Bank in the case of any doubts as to the User s or CC User s identity or in the case of transactions charging the Customer s account. Chapter 5 Mobile Bank Section 6 1. In order to be able to use the Mobile Bank, the User shall: 1) be equipped with a mobile device and relevant software for transferring data, having access to the Internet, 2) install software provided by the Bank on this device. 2. Information about relevant software is available in the Divisions, from the Bank s Representatives and on the Bank s website. 3. Upon the first Logging in to the Mobile Bank application on a given mobile device, the User shall correctly enter: 1) the Identifier and Password established for Internet Access Channels already accessed by the User as well as their date of birth, or 2) the Identifier and TPIN Code to the Call Center as well as their date of birth, or 3) the Identifier, Mobile Start-up Password and their date of birth. 4. Upon the first Logging in, the User shall be obliged to establish a Password to the Mobile Bank service. 5. A User having access to the Mobile Bank service as the user of the Mobile Bank for Personal Customers or as the user of the Mobile Bank for Corporate Customers shall use the same Password for Logging in within the same access to the Mobile Bank. The Mobile Bank agreement concluded pursuant to these Terms shall have no impact on the scope of rights granted to the User based on the abovementioned access. 6. Upon subsequent Logging in to the Mobile Bank, the User shall enter the Password to the Mobile Bank service. 7. In order to make an Order or obtain information about his or her Banking Products, the User shall be required to Log in to the Mobile Bank. 8. The User shall perform Authorization through: 1) confirming the placed Order and entering the PIN Code for Mobile Token, or 2) confirming the placed Order without entering the PIN Code for Mobile Token. 9. A list of Orders requiring Authorization through confirming the placed Order and entering the PIN Code for Mobile Token is defined in the Functionality Table. Section 6a Mobile Token 1. The Mobile Token shall be made available by the Bank for the purposes of Authorization of Orders made by Users in the Mobile Bank applications by generating unique, onetime codes following the entry of the PIN Code for Mobile Token by the User. 2. The activation of the Mobile Token in a given application and on a given mobile device shall be preceded by the Logging in of the User and consists in the correct entry by the User of the Identifier, their date of birth and the establishment of the PIN Code for Mobile Token. 3. Where the User has failed three attempts to enter the correct PIN Code for Mobile Token, the Mobile Token in a given application and on a given mobile device shall be deactivated. The reactivation of the Mobile Token by the User shall be performed in the mode defined in para. 2. Chapter 6 R-Online Section 7 1. In order to be able to use the R-Online system, the User shall have access to a computer with Internet access and to adjust the web browser settings in a manner that allows the User to use the information stored on a User s device (to use cookies). 2. The Bank provides the R-Online system via the website and the R-Quick application. 3. Upon the first Logging in to the R-Online system, the User shall enter: 1) the Identifier and the Start-up Password (the Starter Pack), delivered by the Bank in the form of a text message and then the One-time Password as well as the User s date of birth, or 2) to verify the consistency of the Recipient s account number with the account number on an invoice/ bill, etc. the Identifier and the TPIN Code. 4. Upon the first Logging in, the User shall be obliged to establish an R-Online Password. 5. A User having access to an Internet Access Channel other than R-Online shall use the Identifier and Password established for active Internet Access Channels for Logging in to R-Online (provided the User performed at least one Logging in to such an Internet Access Channel via the website). The Agreement shall cover only access to R-Online and shall have no impact on the scope of rights granted to the User based on the abovementioned access to Internet Access Channels other than R-Online. 6. User who had access to R-Online system or any other Internet Access Channel Agreement before July 28, 2012 shall be obliged to establish a new R-Online Password via the service in order to use the service. The Password established by the User shall be used for Logging in to the R-Online system made available through the website 7. A User having access to the R-Online system as the user of R-Online for Personal Customers shall use the same Identifier and Password for Logging in within the same access to R-Online. The Agreement shall cover only access to R-Online and shall have no impact on the scope of rights granted to the User based on the abovementioned access. 4

5 8. Upon subsequent Logging in to the R-Online system, the User shall enter the Identifier and Password. 9. The User may extend the process of Logging in through adding a One-time Password received from the Bank in the form of a text message. The User may extend the process of Logging in by changing settings in the R-Online system, in the Division or via the Call Center. 10. Upon correct Logging in to the R-Online system, the User shall be able to make Orders or obtain information about his or her Banking Products. 11. The User shall perform Authorization through: 1) confirming the placed Order and entering a correct One-time Password, or 2) confirming the placed Order without entering any One-time Password. 12. The list of Orders requiring Authorization through confirming the placed Order and entering a One-time Password in the R-Online system is included in the Functionality Table. 13. The Bank shall provide the User with One-time Passwords in the form of text messages sent to the mobile telephone number indicated by the Customer or included in the List of One-time Passwords for Customers subject to such an Authorization method. 14. In order to be able to use the R-Online system via the R-Quick application, the User shall install the software available on the Bank s website. 15. The User shall be obliged to use the latest version of the R-Quick application provided by the Bank. 16. All activities connected with installing the R-Quick application shall be performed by the User. 17. Prior to installing the R-Quick application on a specific computer stand, the User shall be obliged to make a spare copy of any data stored thereon. 18. The Bank shall have exclusive rights to the R-Quick application. 19. The User shall not be authorized to amend, translate, decompile or interfere in any other manner in the R-Quick application with the exclusion of instances stipulated by laws in force. Chapter 7 Access Restrictions Section 8 1. The access to the Electronic Access Channels may be temporarily restricted by the Bank (system lock) if: 1) the User/CC User orders a system lock, 2) the Bank obtains information that the User/CC User is no longer entitled to sole representation of the Customer, 3) the Customer orders a system lock with regard to the User, 4) the Bank has legitimate doubts as to the identity of the person using the Electronic Access Channels, 5) the Bank obtains information about intentional unauthorized Order placement, 6) the Bank conducts maintenance services with regard to the Bank s system, 7) the User makes three incorrect password attempts in the Mobile Bank service or R-Online, 8) the User makes six incorrect password attempts on the website, 9) the User makes five incorrect TPIN Code attempts in the Call Center, 5 10) the User makes three incorrect One-time Password (from the List of One-time Passwords) attempts. 2. The Bank shall inform the User about system lock prior to introducing any restrictions or, if it is not possible, immediately after locking the system. The Bank does not provide information on system lock, if the provision of such information is prohibited by applicable law or not justified by security concerns. 3. The Bank shall inform the User about system lock via selected Electronic Access Channels. 4. The Bank may impose restrictions on the number and type of Banking Products serviced via the Electronic Access Channels and shall immediately inform the User thereof. 5. The aforesaid provision shall also apply to the CC User. 6. The blocking of Electronic Access Channels shall not deprive the Customer of the possibility to manage his or her accounts in the Bank s Divisions. Chapter 8 Obligations Section 9 1. The User/CC User shall be obliged: 1) to use the Electronic Access Channels in accordance with these Terms, 2) to comply with the safety rules included at website and other recommendations on safety rules received from the Bank, from the moment they are received, in particular for installations on your computer through which the User utilizes the Electronic Access Channels, the current anti-virus program (with updated virus database) and firewall, 3) to verify the consistency of the Recipient s account number with the account number on an invoice/ bill, etc., 4) to store the Access Codes with due diligence in accordance with the provisions of the Agreement and the Terms, 5) not to release the Access Codes to third parties, 6) to store the mobile device on with the active Mobile Bank application has been installed with due diligence, 7) not to release the mobile device, with the active Mobile Bank application has been installed to third parties, 8) to inform immediately the Bank about: a) disclosure or suspicion of disclosure or release of the Access Codes or List of One-time Passwords to third parties; b) loss, theft or appropriation of the Access Codes or List of One-time Passwords; c) resignation from a mobile telephone number designated for contact with the Bank, its loss or release to third parties; d) loss of the mobile device on which the active Mobile Bank application has been installed; e) unauthorized use of the Electronic Access Channels; f) unauthorized access to the Electronic Access Channels, gained by a third party, 9) not to provide the Bank with any illegal content via the Electronic Access Channels, 10) to perform the first Logging in immediately after gaining access to the Electronic Access Channels.

6 2. Upon informing the Bank about the loss or release of data or Access Codes for Logging in to the Electronic Access Channels or for Authorization, the User shall be obliged to block the Electronic Access Channels or immediately change these data. 3. The incidents indicated in para. 1 shall be reported in person in the Division or to the Bank s Representative or by calling one of the numbers indicated on the Bank s website. 4. The aforesaid provision shall also apply to the CC User. 5. The Customer shall be obliged to provide the Bank at its request with the current personal details of the User/ CC User, whereby such personal details may be changed only upon the User s/cc User s request. 6. The Customer shall be obliged to acquaint the User/CC User with the provisions hereof and shall be liable for the observance hereof by the User/CC User. Chapter 9 Complaints Section Every User/CC User shall have the right to file a complaint regarding the functioning of the Electronic Access Channels. 2. Should a complaint regard an Order made with the use of lost data or devices for Logging in or Authorization, the User/CC User shall provide the Bank with a document explaining the circumstances under which such data or devices were lost. 3. The Terms of Considering Complaints in RBPL describe the Regulamin rozpatrywania reklamacji Klientów Indywidualnych i Klientów Bankowości Małych Przedsiębiorstw w Raiffeisen Bank Polska S.A. (The terms are available in the Bank s Divisions and on the Bank s website) and in rules for the individual Banking products. Chapter 10 Liability Section The Customer shall be liable for the Orders made and Authorized by the User/CC User via the Electronic Access Channels. The Customer shall not be liable for any Order placed by third parties after blocking the Electronic Access Channels unless such an unauthorized Payment Transaction was intentionally ordered by the User/CC User. 2. The Customer shall be liable for the Orders place by third parties to whom the Customer disclosed data or release devices for Logging in or Authorization. 3. The Customer shall be liable for unauthorized Orders resulting from a breach of obligations included in section 9, committed by the User/CC User. Section The Bank shall be liable for executing Orders placed via the Electronic Access Channels on time and in accordance with their content. unless execution thereof is in breach of legal regulations. 2. The Bank shall not be liable for the results of releasing by the User/CC User the designated mobile telephone number, the Access Codes ascribed to particular Electronic Access Channels or other data enabling third parties to use the Electronic Access Channels. The Bank shall not be liable for any damage resulting from the use of Electronic Access Channels by a third party if a given Order is Authorized in accordance with the principles included herein. 3. The Bank shall not be liable for any damage arising from causes beyond the Bank s control, including but not limited to damage resulting from: 1) force majeure including but not limited to strikes, natural disasters, riots, and acts of war, 2) a decision taken by public authorities or a statutory act, or an executive order to an act, or any other legal regulation, 3) a delay resulting from IT system failure, power failure, telecommunications system failure, mobile network failure as well as a delay resulting from the activity of telecommunications or postal service providers, 4) interference, errors, delays in Orders or transmission, caused by a computer virus or IT system failure, 5) unauthorized third party activity with regard to material and information modification, in particular, computer viruses, 6) lack of access to a telecommunications network enabling Order placement, or 7) failure to activate telecommunications services enabling Order placement and Authorization by the User/CC User. Chapter 11 Amendments and Termination of Agreement Section The Bank shall have the right to amend the Terms or Functionality Table. 2. The Bank shall provide the Customer with amendments to the Terms or Functionality Table in electronic form via selected Electronic Access Channels or shall publish these amendments on the Bank s website, or send them to the Customer in written form. 3. The amendments shall become effective as of the date indicated in a relevant notification but not earlier than 14 days from the date of providing the Customer with respective information or electronic access to such information unless the Customer terminates the Agreement within the indicated period of time. 4. The Bank may enable the use of new functionalities from the date of informing the Customer about changes in the Functionality Table, after informing Customers about new functionalities by making the Functionality Table available to the Customer in electronic form via selected Electronic Access Channels or by making the wording of changes introduced available on the Bank s website or sending it to the Customer in written form. Section The Bank and the Customer shall have the right to terminate the Agreement in writing without stating any reason by giving seven days notice. 2. The Bank shall have the right to terminate the Agreement in writing with immediate effect if: 1) the User/CC User submits untrue information upon concluding the Agreement or first Logging in, 2) the User/CC User fails to observe the provisions hereof, 3) the User/CC User is in breach of legal regulations in the Bank s opinion, 4) the last Banking Product agreement with the Bank is terminated. 3. The Agreement shall be terminated if the parties 6

7 unanimously declare their will to terminate the Agreement. 4. The Agreement shall expire upon receiving by the Bank reliable information about the death of a Customer being a natural person. 5. The Bank shall prevent all Users/CC Users from using the Electronic Access Channels upon termination or expiry of the Agreement. 6. The Customer or an individual entitled to sole representation of the Customer may place an Order dismissing (deactivating) the CC User: 1) in writing in the Bank s Division, 2) orally in the Call Center. 7. The CC User may also deactivate his or her access to the Call Center. Chapter 12 Other Provisions Section 15 The parties exclude in whole the application of the following regulations: 1. part 2 of the Act on Payment Services, 2. Art , Art. 45, Art. 46 para. 2-5 and Art of the Act on Payment Services, 3. chapter 4 part 3 of the Act on Payment Services (excluding Art. 59) to payment transactions not included in Art. 53 para. 1 of the Act on Payment Services. In the case of payment transactions executed in the territory of one or more member states (within the meaning of the Act on Payment Services), the term mentioned in Art. 54 para. 1 of the Act on Payment Services shall not exceed 4 working days from the receipt of the Order by the Bank. The Bank reserves the right to record telephone calls with the User/CC User and to store them on electronic data storage media. The aforesaid recordings may be used by the Bank in order to execute the Agreement, in particular, for evidence reasons. Section 22 The Bank shall collect fees and charges stipulated in the Table of Fees and Charges for Particular Banking Products for providing access to the Electronic Access Channels and for executing Orders. Section 23 The provisions of these Terms shall apply whenever other terms or rules refer to provisions regarding the Electronic Access Channels for small enterprises. Section 24 To all matters not settled in the Agreement appropriate provisions of the Polish law shall respectively apply. Section 25 The Agreement shall be executed in the Polish language. Section 26 The following electronic mail address shall be used for contact with the Bank in conjunction with the execution of the Agreement: moje.pytania@raiffeisen.pl. Valid from April 13, Section Detailed information about the principles and ways of using the Electronic Access Channels and the minimum system requirements necessary therefor as well as about any restrictions on their use, the scope of services and any change in services is available in the Call Center, the Divisions, from the Bank s Representative and on the Bank s websites. 2. Specific Banking Product agreements include the list of limits and restrictions on Order execution. Section 17 The Bank reserves the right to change the content of the Bank s websites at any time and such a change shall not require the User s consent. Section The Bank shall have proprietary copyrights to the content published on the Bank s websites. 2. The aforesaid information or content shall not constitute an offer within the meaning of the Civil Code regulations unless expressly stated otherwise. Section 19 Any disputes between the Bank and the Customer arising from the execution of the Agreement shall be settled by a common court of proper jurisdiction for the Bank s registered office. Section 20 The Bank reserves the right to contact the User/CC User with the use of telephone numbers and electronic mail addresses provided by the User/CC User as well as via Electronic Access Channels for the purpose of executing the Agreement. Section 21 7