Handbook for Holders of Payment Cards. UniCredit Bank Czech Republic and Slovakia, a.s.

Transcription

1 Handbook for Holders of Payment Cards UniCredit Bank Czech Republic and Slovakia, a.s.

2 2 Handbook for Holders of Payment Cards UniCredit Bank Czech Republic and Slovakia, a.s. Contents 1. TYPE OF CARD 3 2. PRACTICAL INFORMATION ABOUT The CARD 3 3. USING The CARD 6 4. TRANSACTIONS SETTLEMENT ADDITIONAL SERVICES SERVICE FOR PAYMENT CARDS CREDIT CARD COMMUNICATION WITH The BANK FREQUENTLY USED TERMS BANK CONTACTS 26

3 3 Dear clients We are greatly pleased that you have decided to acquire an international payment card from UniCredit Bank. A strong, stable and internationally reputable financial institution, the Bank does its utmost to ensure that the payment card provides you with maximum advantages, convenience, security and flexibility. We welcome you to the world of international debit and credit cards! This handbook will provide you practical advice and instruct you in brief how to use your UniCredit Bank card most advantageously. Welcome to UniCredit Bank! 1. TYPE OF CARD The card is an electronic payment instrument by means of which the cardholder may securely make payments at retailers and withdraw cash from ATMs. The Bank issues payment cards from the international card associations MasterCard International ( and Visa International ( in accordance with the documentation stated in the respective Product Business Terms and Conditions. Payment cards may essentially be divided between debit cards and credit cards and, with regard to use, between personal cards and business cards. The Bank s current cards offer can be found at all UniCredit Bank branches and online at Debit cards are issued to current accounts of individuals or legal entities in Czech or foreign currency and/or in the combination of one account in Czech currency and one account in foreign currency and/or in the combination of two accounts in different foreign currencies. Using the debit card, the holder may withdraw funds deposited on the current account. These cards are distinguished between those for private use and those for business use, and based on this distinction the card is used to withdraw either personal funds or company funds. Credit card is a credit product by means of which the cardholder draws funds up to a credit limit provided to him or her under conditions stipulated by the Bank. The Bank issues this type of card to a so-called card account, through which all payment transactions and final settlements are executed. The credit card s holder is informed as to the amount of the credit limit by means of a letter via which the holder also obtains the card. 2. PRACTICAL INFORMATION ABOUT The CARD The card bears identification information, including the card number, cardholder s name and such security features as a hologram, chip, magnetic stripe and CVC2/CVV2 security code (3 final digits after the signature strip on the reverse side of the card). The card is not transferable. Only the cardholder may use it. Card Validity The card is issued for the period stipulated by the Bank (typically 3 years). The card s validity ends after the date indicated on the front side of the card. For example, VALID THRU 12/16 means that the card s validity ends on

4 4 the last calendar day in December The card always remains the property of the Bank, and the holder is obliged to return the card to the Bank, or to another entity acting under the Bank s authorisation, whenever requested to do so. After the card s validity ends, it can no longer be used. If you do not return the card to the Bank, disable its chip and magnetic stripe (e.g. by cutting) so that the card is not usable. The Bank is not liable for any damages resulting from misuse of an undisabled card (including identification cards for additional services), and the holder is obliged to compensate the Bank for any damage. IMPORTANT If the card is disabled, only the validity of the card itself (i.e. of the disabled plastic physical medium) is terminated, not the validity of the contractual relationship and credit limit! Delivery of the Card and PIN The Bank sends the card to the holder by registered mail in a parcel designated for personal delivery to the address given in the Application/Agreement on Issue (and Use) of the Card (hereinafter the Application ) or in the Framework Agreement for Provision of Banking Services (hereinafter the "Framework Agreement"). The card is placed in a paper medium containing important information concerning card use as determined by the Bank. The cardholder is obliged to check the integrity of the parcel upon collection. If the parcel shows signs of damage, the Bank recommends that the client request the deliverer for a confirmation of delivery of a damaged parcel and notify the Bank of this fact immediately. In such case, the Bank shall assign to the cardholder a new card and new PIN free of charge. The Bank sends the card s PIN separately from the card by standard mail to the address given in the Application or in the Framework Agreement. The cardholder is obliged to check the integrity of the parcel upon receipt and, in case of damage, to proceed similarly as in the case of delivery of a damaged parcel containing a card. In exceptional cases, the card may be accepted by another person authorised on the basis of an officially verified written power of attorney or on the basis of a request drawn up in the presence of an employee of the Bank. If the holder cannot be reached and the parcel is returned to the Bank as undelivered, or if the holder refuses to accept the document and the parcel is returned to the Bank, or if the holder does not collect the card in person at the agreed bank branch within 3 months of delivery of the PIN, or if for any reason the holder does not take over an already produced card, then the Bank shall cancel/disable the returned/uncollected card for security reasons after 3 months of its validity. In the case of a debit card, all expenses connected with its issuance will be charged to the account to which the card was issued. PODPIS After taking over the card, it is necessary immediately to sign it on the signature strip on its reverse side (best with a ballpoint pen that does not smudge). This signature serves as a signature specimen for verifying transactions made at a retailer. BEZPEČNOST Protect your card against misuse and do not in any case provide it to other persons (not even family members). Do not communicate the card s PIN code to anyone. The safest approach is not to record the PIN code anywhere, but only to memorise it. When entering the PIN for any and all transactions, be alert and ensure a discreet distance from other persons.

5 5 We recommend that you periodically check that the card has not been lost or stolen. In either case, it is necessary to block the card immediately by calling: the toll-free Infoline at ; when abroad; the Emergency Line at , which is available 24 hours a day. Do not expose the card to effects of electromagnetic radiation and protect it from any kind of mechanical damage. Card Activation For security reasons, the first card is issued and delivered to you as inactive. For this reason, it is necessary to activate the card immediately after its receipt by calling the toll-free Infoline at For activation, it is necessary to know the activation password stated in the Application and/or the password for communication with the Bank as recorded in the form Card of the Individual. The actual card activation shall take place at the latest by the following business day after the Bank receives the telephone request. Transaction Limits for the Payment Card In accordance with the Bank s established internal conditions for issuing payment cards, and taking into account the client s requests in the Application or in the Framework Agreement, the Bank establishes a so-called card limit. The limit determines the volume and number of transactions that you may execute using the respective card in the course of the stipulated period (day/week/month). You will be informed of the limit amount in writing upon receiving the card, at the latest. Pursuant to the related contractual documentation, the holder is not authorised to execute transactions that would exceed the established limit. As mentioned previously, funds may only be drawn after the card is activated. The Bank may at any time (e.g. in case of a security risk) unilaterally modify the limit, including its division into limits for cash and noncash transactions. The Bank will inform you of such change without delay and in an appropriate manner. IMPORTANT Only the account owner may change the transaction and credit limits. If you wish to purchase goods or services over the internet, by post or by telephone, it is necessary to unlock the card to permit this type of transaction (i.e. transactions without the card being physically present) beforehand through our Infoline. Likewise, the card can also be locked.

6 6 3. USING The CARD You may use your card to pay for goods or services in a worldwide network of retailers and for withdrawing and depositing cash via ATMs (depending on the type of card) or at bank branches bearing a Visa, Visa Electron, MasterCard or Maestro logo. Card payments are the most common manner of card use especially because they are: simple all you need is to have the card with you and to know the 4-digit PIN code; fast no need to search for small change at the till; secure adhering to the security principles makes it very difficult for the card to be misused. A payment by card can be made using the following options: 1) Payment using an electronic terminal Your identification data and the card information are read from the magnetic stripe or from the chip on the card. The transaction is confirmed by entering the correct PIN or by signing the receipt from the terminal. When using the card, preference is automatically given to using the chip technology rather than the magnetic stripe. 2) Contactless payment using a contactless electronic terminal IMPORTANT After the receipt of your contactless card, the contactless function must be first activated by executing a contact transaction at which you enter your PIN (e.g. by making an ATM withdrawal or by making a payment via a contact terminal the card is inserted in the terminal and transaction validated by the PIN). Transactions with the contactless card are executed by putting your contactless card as close as required to the payment terminal that supports the contactless technology. Validation by entering the correct PIN code is required for the transactions where payments exceed the set limit which has been determined as CZK 500. Payments below such set limit (up to CZK 500) do not as a rule require the PIN code entry. The contactless payment limit amount below which no PIN entry is required is valid throughout the Czech Republic. The Bank is entitled to unilaterally change the limit. The Bank shall inform you in suitable manner on any such change. IMPORTANT The limit for contactless payments allowed to be made without the PIN entry may differ from country to country, subject to the rules applicable in the respective country. IMPORTANT For security reasons, you may be requested to insert your contactless card in the payment terminal and to enter your PIN even when making a payment below the set limit (i.e. up to CZK 500). You will recognise the place of business accepting contactless cards by the following symbols: IMPORTANT If the merchant does not operate a contactless terminal you may use your payment card the usual standard way either you or the checkout teller will insert the card in the terminal and your enter the PIN or sign a voucher of the card payment.

7 7 3) Payment using an imprinter The embossed (i.e. relief) data on the card is imprinted on a paper receipt using a mechanical reader and additional information about the transaction is subsequently added to the receipt. Payment Card Surcharge (a Checkout Fee) for Using the Card at Merchants In certain countries, merchants may add an extra charge for using the card for payment on top of the purchase total price. Such extra charges, while made at the merchant s discretion, must not exceed the costs demonstrably related to the merchant s costs incurred in acceptance of payment cards (such as telecom charges etc.). The merchants are required to notify the card holder on any such extra charge amount in advance, as a rule using a written notice posted at the point of sale cash register. It is not a fee or additional fee charged by the Bank! RECOMMENDATION Prior to making any transaction, in particular while in abroad, always obtain information in beforehand whether or not the merchant charges any surcharge. Cash Withdrawal from an ATM You can withdraw cash from any ATM bearing the same logo as is on the respective card. You will always need to enter the PIN code for such transaction. To withdraw cash from an ATM, follow the instructions displayed on the ATM screen. Upon finishing the transaction, you will first receive back your payment card and then you will be prompted to collect the cash. For security reasons, unclaimed cash is typically not drawn back into the ATM. Therefore, pay particular attention when collecting cash. If the PIN is entered incorrectly, the ATM will allow you to make another two attempts. If you are not successful, you will be unable to make any other transactions with the card. In such case, always contact the Bank s Infoline. The holder is obliged to take care when entering the PIN. We recommend, for example, that you always cover the key pad with your body or hand. Until the money is dispensed, you can cancel your transaction at any time by pressing the ZRUŠIT/CANCEL key. The transaction will be cancelled, and the ATM will return your card. If you suspect that there is something wrong with the ATM, do not conduct any transaction or, as the case may be, cancel it. Some ATMs also offer other functions, such as verifying an account balance, changing the PIN, and the like. Always proceed very cautiously when performing any operation. Withdrawals from ATMs are, for the most part, paid in the currency of the country in which the transaction is executed. Some ATMs offer use of the Dynamic Currency Conversion (DCC) service (see Settling Transactions in Foreign Currency ). Withdrawals from UniCredit Group ATMs abroad are charged the same as are withdrawals from UniCredit Bank ATMs in the Czech Republic. In most countries, and regardless of the limit of the card itself, ATMs have their own maximum limit for a cash withdrawal transaction. This information is important to remember. In the EU, for example, this limit is around EUR 200. Considering the various ATM practices in different countries, we also recommend that you choose from the preset amounts displayed on the screen of the respective ATM.

8 8 Payment Card Surcharge for Use of ATMs If you make a cash withdrawal from an ATM, you may be sometimes charged an additional charge/surcharge for the ATM use by the ATM owner. The machine owner should inform you on such additional charge/surcharge (showing e.g. the charge amount or ID code of the ATM of the owner etc. on the ATM display) in the same language as selected by you for the ATM transaction. In case you disagree with the charge/surcharge, you should be allowed an option to cancel the cash withdrawal. It is not a fee or additional fee charged by the Bank! The Bank charges the clients withdrawing cash from the ATMs only for the fee specified in the current Price List of UniCredit Bank. RECOMMENDATION Prior to making any transaction, in particular while in abroad, always obtain information in beforehand whether or not the ATM owner charges any surcharge. A list of UniCredit Bank s ATMs and their locations is presented on the Bank s website, For information on ATMs in the Czech Republic, visit For ATMs around the world, visit a Cash Withdrawal at Bank Cash Desks and in Exchange Offices You can also withdraw cash using the card at bank cash desks, at other banks places of business, and in exchange offices designated as offering the so-called Cash Advance service. Withdrawn cash is paid only in the currency of the country where the service is provided. Cash Withdrawal via the CASH BACK Service Cash Back is a service that makes it possible to withdraw cash when making a payment at a retailer. It provides you a secure method for withdrawing cash, especially in places where there is no ATM nearby. How does Cash Back work? When making a payment by card at a designated retailer of at least CZK 300 for a purchase, you may request to withdraw up to CZK 1,500 in cash. You must inform the merchant of the required amount for withdrawal before paying. The steps that follow are the same as those for any purchase: you will be requested to enter the PIN, or to sign the receipt, and together with the receipt you will also then receive a receipt of withdrawal from the till. A list of retailers providing this service is available at Such points of sale are marked with a Visa Cash Back or MasterCard Cash Back sticker. Cash Deposit via a UniCredit Bank ATM The majority of UniCredit Bank ATMs offer you the cash deposit service. To make a deposit in one of our ATMs, you simply need to have a UniCredit Bank debit card and to enter the PIN. In the case of so-called iq ATMs, it is possible to deposit money only to a CZK-denominated account. Cash deposits are simple simply follow the instructions on the monitor. Cash deposits made through an ATM are credited as funds immediately. Withdraw Banknotes according to Nominal Value At present, select ATMs offer the possibility to withdraw a selected number of bills of a given value when making a Cash withdrawal. This means that you can select the composition and number of banknotes by nominal value, provided they are available in the given ATM (in the case of deposit ATMs 200, 1,000 and 2,000 bills and in the case of withdrawal ATMs also 500 bills), the sum of which makes up the withdrawn amount.

9 9 Order Goods and Services by Telephone or Post You can order goods and services using the card by telephone or by post. It is necessary, however, to authorise transactions made without the presence of the card beforehand through our Infoline. Before confirming an order, always consider carefully whether the retailer is trustworthy. Check, for example, whether a full address and claims conditions are published. For security reasons, we recommend that you relock the card after executing a transaction. Order Goods via the Internet Should you wish to use the card for such purposes, you must first authorise internet transactions through our Infoline. We recommend that you relock the card after executing a transaction. As this is a relatively anonymous transaction, be sure to observe all security rules for paying with a payment card. Some advice for making transactions with a payment card via the internet: Verify the retailer s security status. Websites of internet retailers supporting secure card payment bear the following logos: Only use the card on websites having secure data transmission (e.g. using the SSL protocol). The web address displayed by the web browser should contain and a padlock icon should be displayed. Card payments via the internet generally require entry of the full card number, validity period, and CVC2/CVV2 security code. Never present the payment card s PIN or the numbers of bank accounts or banking passwords. Pay close attention when entering data. With foreign retailers, we recommend leaving out diacritics. 3DSecure secure payment by card via the internet For retailers supporting secure payment by card via the internet, you will also be required to enter the so-called 3DSecure authorisation code, which the Bank will send individually to your mobile telephone. To make secure card payments via the internet you must register your mobile telephone number through the Infoline. Before entering the 3DSecure authorisation code, always check carefully that the transaction details in the SMS correspond with those of the transaction you are executing. Accommodation Reservations and Car Rental If you are going on vacation and wish to reserve accommodation or rent a car, first authorise the execution of telephone and written orders. You can do so by calling the Infoline: When making telephone orders, you may be asked by the retailer to supply information on your card, including the CVC2/CVV2 security code. The retailer may also ask you for the billing address associated with your card. Always request confirmation of the executed accommodation or car reservation. If for any reason you will not be arriving at the hotel or will not be picking up the car, contact the merchant in a timely manner and request to cancel the reservation. Should you do so late or not at all, the merchant is entitled, according to international rules, to charge you the amount corresponding to one day s rent for the car or the cost of one night s accommodation.

10 10 You will obtain a summary of transactions executed using the card in the respective account statement: for debit cards, in the statement for the associated personal or business account or, as the case may be, via the direct banking products; in the case of a credit card, in the card account statement or, as the case may be, via the direct banking products. 4. TRANSACTIONS SETTLEMENT Should you have two accounts at the Bank denominated in different currencies, link them both to a single debit card. If you are abroad, the transaction amount will be debited from your foreign currency account and you will thereby minimise the exchange rate risk. This solution is particularly suitable if your income is in a foreign currency. To carry out transactions, there must be a sufficient balance on the relevant account. EXAMPLE: An account in CZK and another in EUR are linked to your Visa Classic card. When travelling to Germany, your transactions will be charged to your EUR account without any conversion, i.e. at a ratio of 1:1. Transactions in the Czech Republic will be debited to the CZK account. How Transactions and Charges are Accounted for The accounts to which the card has been issued are debited in the amounts of all transactions made with the debit card as soon as the Bank receives a message from the international clearing network. Transactions made using the credit card are debited from the card account. You will be periodically informed in detail about all transactions made with the card by way of your account statements or within the internet banking application. All fees are charged according to the Bank s Price List valid as of the day upon which a service was provided or a transaction was charged. You cannot request the merchant to give you cash for goods purchased with a card that you wish to exchange or return or for a service purchased but not provided. If the merchant acknowledges the return/exchange of goods or failure to provide a service, it will issue either an additional receipt or a so-called credit receipt, the amount of which will be credited to your account by noncash transfer. Settlement of Transactions in a Foreign Currency Transactions executed using a Visa/MasterCard credit card in a foreign currency are always converted into CZK. The respective card association will convert the amount you paid on the day of executing the transaction using its own CZK exchange rate. A conversion fee on the transaction volume is included in the amount converted to CZK when settling the transactions executed using a Visa credit card in foreign currency. Amounts of the transactions executed using a debit card and denominated in another currency than that of one of the accounts to which the debit card has been attached are converted to the currency of one of such accounts at the below rates valid on the conversion execution date. The transactions executed in a foreign currency are converted to CZK at the FX sell rate, while transactions executed in CZK are converted to the respective foreign currency of the account at the FX buy rate. Where the foreign currency of the transaction differs from the foreign currency in which the account is maintained, the transaction amount is first translated into CZK at the FX sell rate and then to the currency of the account at the FX buy rate. If, however, an attached account is maintained in the currency of the respective card association (MasterCard or Visa), such transaction amount is converted

11 11 to that currency at the own exchange rate of that association. If the transaction currency is not included in the Bank s list of exchange rates, such transaction is converted to the currency used by the card association and at the own exchange rate of that association. If subsequently, subject to the attached account's currency, yet another conversion becomes necessary, such amount is converted to CZK at the FX sell rate and then from CZK to the respective currency at the FX buy rate. The exchange rates used by the associations are available at or If a merchant offers you the Dynamic Currency Conversion service (i.e. conversion of the transaction amount to a value in the currency selected by you) and you agree to it, the amount and currency is final and decisive for further processing of the transaction. In signing or entering the PIN, you thereby confirm that you have been familiarised and agree with the exchange rate, relevant fees, and final amount in the agreed currency, regardless of the merchant s local currency. EXAMPLE: You are on holiday in Japan and plan to purchase an MP3 player. The retailer offers the DCC service and thus you may choose whether you want to charge the payment in JPY or CZK. It is entirely up to you. Recommendation: Before you decide to use the DCC service, carefully consider whether the offered exchange rate is truly advantageous for you. Liability for Unauthorised Transactions As a cardholder, you are liable for the loss on any unauthorised payment transaction up to the equivalent of EUR 150, should such loss result from the use of a lost or stolen card or from the misuse of the card, while you have failed to ensure the protection of the card s personalised security elements. As a cardholder, you bear this loss in full if it has been caused by fraudulent conduct or breach of some of your obligations, either intentionally or through gross negligence. The aforementioned does not apply if the loss occurred after the Bank was duly notified of the card s loss, theft or misuse, except when fraudulent conduct was concerned. 5. ADDITIONAL SERVICES As a cardholder, you have the right to use optional additional services offered by the Bank for cards as well as other services in the Bank s current offer. The Bank reserves the right to specify the type of card for providing the optional additional services. Additional services may be an integral part of the benefits connected with the card, and in such case you therefore become the authorised user of such additional services without further approval. Additional services are provided under the conditions established by the Bank and at the prices given in the valid Price List. In requesting an additional service, it is understood that you acknowledge and agree that the Bank may provide your personal and other data (first and last names, birth number, identifier, validity of the card and of the additional service) to a relevant third party for the purpose of providing the additional service.

12 12 Each programme of additional services is subject to its own terms and conditions, which are presented to you when arranging the additional service and/or are available on the Bank s website. Some additional services require a declaration signed by the holder. Without the declaration the additional service is not valid and the Bank has the right to cancel the service without being obliged to refund the service fee. You may cancel the additional service on the basis of a request made in writing or by telephone even during its validity. You will not thereby be entitled to a refund of the relevant fee. The cardholder s right to use the agreed additional services related to the card terminates upon termination of the contractual relationship for the card. In case an identification card has been issued for the arranged additional service (such as Priority Pass), the cardholder is obliged to return such identification card to the Bank upon termination of the additional service. TRAVEL Insurance You may choose between two insurance variants: basic, which applies only to you as the cardholder; extended, which applies also to accompanying family members (husband/wife and children under 18). Basic travel insurance is included in the price of the card for holders of embossed Visa and MasterCard debit cards and MasterCard World credit cards. Holders of Visa Electron, Maestro, EXPRES Karty, Visa Professional and Visa Basic debit cards and Visa credit cards may buy travel insurance as an additional service. You can buy extended travel insurance for yourself and your family members at a very advantageous price. The insurance policy includes insurance for medical expenses, assistance services, insurance against loss, theft and damage of luggage, and liability insurance, as well as insurance for summer and winter sports and other types of insurance, including insurance for accompanying pets. You will be protected during business and private trips and stays abroad of up to 90 consecutive calendar days. SAFE Insurance (against card misuse) You can arrange insurance against card misuse in case of loss or theft. SAFE Insurance covers transactions requiring the PIN as well as transactions made over the internet. Thus, for a low monthly fee, you will obtain very high-level insurance protection. Moreover, you obtain insurance against loss of a mobile telephone together with the payment card. According to your needs, you can choose between SAFE Basic and SAFE Plus insurance depending on the required coverage for insured events. Call the Bank s toll-free Infoline at and ensure greater security for the money in your account. Insurance against card misuse provides a protection period of 120 hours prior to reporting the card for blocking.

13 13 CREDIT Insurance (against inability to make credit card payments) As the holder of a primary credit card, you also can arrange insurance against inability to make the credit card s monthly payments in case of long-term inability to work, Degree 3 disability, death, and even loss of employment. You can request this insurance through the Infoline, where you also may obtain precise information as to the extent of the insurance for your credit card. You may choose between the variants CREDIT Basic and CREDIT Plus according to the extent of coverage. Call the toll-free Infoline and safeguard your household budget against long-term loss of income. Priority Pass Priority Pass is an above-standard service providing you access to more than 600 airport lounges in over 100 countries around the world where you can comfortably wait for your flight. Acquire a Priority Pass identification card and take advantage of internet access, computers, refreshments, peace and quiet, and other services. For more detailed information, please visit Compare the prices for Priority Pass services on the internet with our price for this club service. To arrange the service, call our toll-free Infoline. Direct Banking If you have only a credit card with us and therefore do not have an account maintained with us to which direct banking services would be attached, kindly call our toll-free Infoline to arrange for your access to the direct banking functionality. By its use, you will be able to easily obtain status information concerning your card account, settled transactions, instalments and agreed services, as well as credit card account statements. Call to Pay Call to Pay is a service that allows you to transfer money from your credit card to any account in the Czech Republic by telephone. It is available for credit card holders who have had their card for at least six months since its activation. Transfers may be made only in CZK to any account at UniCredit Bank or at another bank in the Czech Republic. The minimum transfer amount is CZK 2,000, while the maximum amount depends on the available balance on the credit card. Take advantage of the possibility to transfer money from your credit card through the toll-free Infoline, available daily from 7:00 a.m. to 8:00 p.m.

14 14 Discounts at Partners All our clients have the possibility to take advantage of instant discounts and other benefits at the Bank s select partners in the Czech Republic. Simply use any UniCredit Bank card to pay at the respective merchant and declare your interest in applying your benefits. Information on the benefits and conditions of individual partners is available at Concierge Insurance for assistance services is intended for Visa Platinum cardholders and applies, for example, for services of a personal assistant and home and health-care assistance. Among other things, a personal assistant will help you with any reservation or delivery service and will advise you concerning your holiday or business trip. The service is provided automatically with the issuance of a Visa Platinum card. Call UniCredit Bank Platinum Card Support at to obtain more information about the advantages connected with insurance for assistance services. 6. SERVICE FOR PAYMENT CARDS Automatic Card Renewal Provided the established conditions (e.g. credit card payments made on time) have hitherto been consistently observed, we will automatically send you a new card for an extended period when the card s validity expires. The card number and PIN remain unchanged. You may use the renewed card right away. The renewed card s functionality is however partly limited during the terminal month of the previous original card s validity the renewed card will not let you change the PIN, request a mini-statement of the account or deposit cash via an ATM. The renewed card starts to be fully functional from the first day of the next month. If you do not wish to receive a new card, you must inform us in writing no later than 1 month prior to the existing card s expiration. In this way, you can stop the automatic renewal of any card issued to your account. IMPORTANT Rejection of card renewal does not automatically terminate the contractual relationship for the respective card! In the case of a credit card, a written notice of cancellation is necessary. Card Blocking In case of your card s loss, theft or misuse, or if circumstances suggest that unauthorised use of the card could occur, report these circumstances immediately through the Infoline or Emergency Line and request to block the card. In the case of loss or theft, we recommend that you also notify the police. The account owner also may request to block any card issued to his or her account, but in such case he or she is obliged to inform the cardholder/authorised person about the termination of authorisation to use the card and to ensure its destruction and, if appropriate, return to the Bank. In exceptional cases, blocking also may be requested by any third party fulfilling the Bank s requirements concerning verification of a request s credibility. In such case, the Bank is not liable for possible unauthorised blocking or the costs connected thereto. As confirmation of telephone blocking through the Infoline, you will be provided upon request with a blocking code or written confirmation at any bank branch.

15 15 If a card is blocked at your initiative, the Bank will issue you a new card of the same kind as a replacement. At the same time, the Bank will send you a new PIN. The Bank will debit the expenses connected with issuing the new card from the account to which the card was issued. In case of a card s loss or theft, check whether the identification cards for additional services (e.g. Priority Pass) were lost or stolen as well, if such cards were issued. If they were not lost or stolen, then you are obliged to disable these cards and, as the case may be, to return them to the Bank. Together with the new card, the Bank shall provide you with new cards for the additional services. How to Proceed if Your Card Is Lost or Stolen BEZPEČNOST Immediately call our Infoline at , or from abroad. If need be, contact the Emergency Line at , which is available 24 hours a day for card blocking. After you report the loss/theft, the card will be permanently blocked. Also notify the local police of the theft of your card and describe the circumstance under which it occurred. How to Proceed if You Lose Your Card Abroad BEZPEČNOST UniCredit Bank stands ready to assist you in difficult situations even when you are abroad. Always contact our Infoline to arrange the means of assistance. We can offer you the following: issuance of an Emergency Card, sending of Emergency Cash, or sending of a new payment card after the original card is blocked (suitable for a longer stay abroad). You also can request to arrange these services through the majority of Visa or MasterCard member banks. (Up-to-date telephone numbers for the Emergency Service at various destinations are available at in the section Services/Lost Cards or at in the section Emergency Services). If you are abroad, we recommend that you contact the UniCredit Bank Infoline at , where an operator will help you to find the best solution. Claims As a cardholder, you have the right to claim any errors in contractual fulfilment or in settlement of payments made using the card. You are obliged to submit a claim to the Bank without undue delay after discovering a discrepancy or receiving the account statement, but no later than 13 months from the date of a transaction s clearing. As an account owner, you are also entitled to claim errors in the clearing of transactions executed by means of a card whose holder is a person authorised by you. If you do not claim errors discovered, it shall be deemed that you agree with the data communicated in the account statement.

16 16 A claim proceeding may be initiated on the basis of a communication that you submit to the Bank in writing or orally, either personally or through a postal services provider to the Bank s postal address, via to a specific bank employee, using a contact form, or to the collection inboxes kvalita@unicreditbank.cz and reklamace@unicreditbank.cz located on the Bank s website. When filing a claim, you are obliged to submit all available documents supporting the claim receipts, confirmations of cash payment, and the like, as well as the card at the Bank s request. If during the claim proceeding the Bank requests that you submit further documentation in connection with the matter in question, you are obliged to satisfy the Bank s request no later than within 10 business days after receiving the request. If the requested documents are not submitted on time, the Bank is entitled to suspend the claim proceeding. In such case, the Bank bears no liability for possible damage. If the Bank finds the claim to be legitimate, it will credit the appropriate funds to the account or to the card within 10 business days from the day of initiating the claim proceeding or will take some other suitable action to remedy the error. Otherwise, it will reject the claim and inform you of the reasons for doing so. The Bank will inform you of the result of the claim proceeding without undue delay, but no later than within 30 calendar days. In the case of transactions executed with a payment card, the period for settling a claim corresponds to those stipulated by the rules for a claim proceeding established by the Visa International or MasterCard International card association. The cardholder undertakes to observe these periods as well as changes made thereto by the respective card association. If you are not satisfied with the settlement of the submitted claim, you have the right to appeal to the financial arbiter of the Czech Republic pursuant to Act No. 229/2002 Coll., on the Financial Arbiter. Carefully read and check your account statements or, as the case may be, monitor information on executed transactions in the internet banking application. If you discover any discrepancy, contact the Bank without delay and ask for verification of the questionable transaction. Card Malfunction In case of a malfunction or damage to the card, the Bank will issue at your request a replacement card with the same number and PIN. You may return the original card to any UniCredit Bank branch, where it will be disabled following examination. You will be charged standard fees for the newly issued card pursuant to the Bank s valid Price List. Change of Product If, for example, you decide to switch to a different type of debit card, you must cancel the existing debit card and request issuance of a new debit card. The cardholder is obliged either to disable the existing card or to return it to the Bank. Information on the procedure for changing to a different type of card in the case of a credit card is available in the next section of this handbook.

17 17 Forgotten PIN Should you forget your PIN code, you may request the Bank to regenerate it. Such request, however, must always be approved by the Bank. If it is not possible to regenerate the PIN, the Bank will issue you a new card with a new PIN. This new card will be issued with the same validity as that of the original card. A condition for issuance is to return the previous card to the Bank. The Bank is entitled to charge fees for producing the new PIN or new card pursuant to the valid Price List. Change of PIN You may change the PIN at no charge through the Bank s network of so-called iq ATMs. Once you have activated the card, you can change the PIN as soon as the following business day after activation. You will be able to use the card to pay at retailers and withdraw cash from ATMs immediately after changing the PIN. You will not be able to deposit cash through an ATM or request a mini-statement, however, until the following business day. What to Do if You Forget the Password for Communicating with the Bank? If you forget the password required for communicating with the Bank, kindly contact us at the toll-free Infoline You will be advised hot to select a new password. 7. CREDIT CARD Card Issuance A credit card may be issued only on the basis of a properly completed and signed Application/Agreement on Issue of a Credit Card submitted to the Bank, which is thus regarded as the client s proposal to conclude the Agreement on Issue of a Credit Card. In signing, you vouch for the verity of the data stated in the Application and undertake to inform the Bank of any substantive change in the data. After fulfilling all necessary prerequisites, the Bank will issue you a credit card. You are not legally entitled to receive a card. If your Application is approved the Bank will provide you a credit limit and will issue a card for the purpose of its drawing. The client may draw the credit limit through the primary card or through an additional card. All cardholders in the contractual relationship share a common credit limit. You will be informed of the amounts of the credit limit provided and of the card s transaction limits at the same time that you receive the issued card. The primary cardholder has the right to request decrease of the approved credit limit at any time by calling the Infoline, but may request an increase no sooner than 9 months after the first card is issued. The contractual relationship is considered to be concluded once the card is delivered or taken over. Additional Card An additional card may be issued only on the basis of a request from the primary cardholder for an already existing card account. No legal entitlement to issuance of an additional card exists. No additional card may be registered without the existence of a primary card. If the primary card or relevant contractual relationship for the primary card is cancelled, for example, the additional card also expires and must be returned to the Bank. The applicant for an additional credit card does not undergo a credit evaluation and does not need to document income.

18 18 How to Repay and Use a Credit Card In accordance with the credit card s contractual provisions, the primary cardholder is obliged to make a regular monthly payment of the drawn amounts and related fees and interest at least in the amount of the so-called mandatory minimum payment (MMP). The MMP equals 5% of the total amount due, but no less than CZK 300 (including interest and fees). Provided this condition is met, you may schedule the payments in such a way that they do not jeopardise your budget. The total amount due and the mandatory minimum payment are indicated on the statement for your card account (hereinafter the account ). Each regular monthly payment must be made such that the required amount is credited to your account by the due date given on the statement. You may, of course, pay an amount greater than the MMP or the entire amount due all at once. IMPORTANT The amount due may only be rounded up to the nearest whole CZK! The mandatory minimum payment is comprised of the principal, interest and fees and is made regularly every month on the stipulated due date. The due date for this payment is set out in the account statement. At the same time, you will be required to pay the total amount by which the granted credit limit was exceeded or, as the case may be, debts remaining from previous periods. If the stipulated date falls on a non-business day, then the due date is moved to the following business day. The amount of the mandatory minimum payment may never exceed the entire amount due. Paying by direct debit In using a direct debit from your current account maintained at any bank in the Czech Republic, you can leave it to us to handle your payments. Repaying a credit card by direct debit consists of two steps: 1) At the bank that maintains your current account, assign a direct debit permission to account no , bank code 2700, and then set a debit limit. For this method of payment, DO NOT ENTER any variable, constant or specific symbol! Do not forget that if the card s credit limit changes it is necessary also to adjust the debit limit! To execute a direct debit, it is also necessary to maintain a sufficient available balance on your current account. 2) If you wish to change the setup of your payments for the direct debit method contact the Infoline and request to establish the direct debit mode for paying your credit card. Provide the number of the account upon which you have established the direct debit permission and from which the Bank should automatically debit the payments. IMPORTANT In case you have the direct debit payment set up from your current account maintained with UniCredit Bank Czech Republic and Slovakia, a.s., it will only be executed upon precondition that the balance of your account at the due date is sufficient to settle the respective amount. Debit to be made from your account maintained with another financial institution requires a balance on that account sufficient to settle the respective amount one business day prior to the due date. If the debit is not carried out by the Bank due to an insufficient balance, you are obliged to execute by the due date a noncash transfer of at least the minimum mandatory payment. In case of uncertainty, please contact the Infoline, where you will be provided with an explanation of the form of payment using direct debit. Paying by transfer from an account Of course, you also can make the payments by means of a transfer from your current account. When making a payment by transfer order, always proceed according to the instructions stated in the given card account statement, (variable symbol required for the payment of money order payments can be found in the card

19 19 account statement). For transfers from an account with another financial institution, however, you must submit the transfer order well in advance, i.e. at least 1 2 business days prior to the due date, to ensure that the payment is credited to your card account as of the due date given on the statement. The Bank is not liable for any delay in crediting the payment due to delays in the interbank payment system or an insufficient balance on your current account. If the mandatory minimum payment is not credited by the designated due date or if it is paid only in part, the Bank is entitled to suspend card use temporarily or permanently. You may make an extraordinary payment of the drawn credit at any time. If you have established direct debit as the outstanding amount repayment method, a direct debit charge will be collected no matter if you have already paid the respective amount by your own transfer. IMPORTANT Correct credit card payment requires paying even the decimal parts of the mandatory minimum or total amount due! If you increase the available balance of the card by transferring your own funds (above and beyond regular payments), these funds are considered to be so-called irregular payments and do not bear interest from the Bank. These funds can only be withdrawn again using the card. Interest-Free Grace Period The interest-free grace period is calculated from the date of payment settlement to the payment due date stated on the statement, i.e. 14 days from the date of statement creation (see the figure). The interest-free period does not apply to cash withdrawals. January February statement payment settlement of payments from merchants account statement settlement period from the 5th to the 5th 15 days 25 days 35 days 45 days The length of the interest-free grace period is counted from the transaction settlement date until the payment due date as specified on your card statement

20 20 By paying the entire amount due on the due date stated in the statement you draw the credit for noncash payments interest-free. We will be happy to provide detailed information about the course of the loan and fees for the individual services on our toll-free Infoline. You can get information about the current amount of the minimum and total monthly payment at the Infoline or using the direct banking services. Account Statement The Bank informs you about the account balance by means of the account statement once per month. The account statement presents transactions executed by the main cardholder and in case of an additional card also by the additional cardholder. The account statement includes in particular the following information: designation of the main or additional cardholder; account number and card number or number of the additional card; mandatory minimum payment; total amount due (representing the drawn credit limit including interest and fees); due date of the mandatory minimum payment; identification of the individual transactions/items; starting and final balance of the account after settling the listed transactions/items; information particulars for preparing the payment order; and any information about exceeding the credit limit. The account statement is sent by standard postal delivery. Non-delivery of the account statement is not a reason for failing to make at least the mandatory minimum payment. The Bank generates a statement of the transactions executed using a credit card either as a hard copy (paperbased) document or in the electronic format; you will choose your preferred statement option. The electronic account statement is made accessible free of charge to you by the Bank via the direct banking products, at the earliest on the next business day after the statement preparation. Interest As the holder of a credit card you are obliged to pay interest to the Bank upon the drawn (and not yet repaid) amount. The interest rate is established monthly and its amount is defined in the valid Price List published at the Bank s website and/or in the account statement. For individual noncash and cash transactions, the interest is calculated according to the interest rate valid at the time of posting the transaction. Cash transactions, i.e. withdrawal from ATMs, always bear interest immediately from the settlement date. If the MMP is not paid by the stated date or if it is paid only in part, the Bank is authorised to charge interest upon the entire amount that is past due.