BUSINESS TERMS AND CONDITIONS ON LOAN PROVIDING IN THE FORM OF AUTHORIZED OVERDRAFT ON CURRENT ACCOUNT. Article 1 Basic Provisions

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1 BUSINESS TERMS AND CONDITIONS ON LOAN PROVIDING IN THE FORM OF AUTHORIZED OVERDRAFT ON CURRENT ACCOUNT Article 1 Basic Provisions 1. These Business Terms and Conditions on Loan Providing in the Form of Authorized Overdraft on CurrentAccount (hereinafter as Business Terms and Conditions ) are the Business Terms and Conditions of UniCredit Bank Czech Republic and Slovakia, a.s., Želetavská 1525/1, Praha 4 - Michle, Company ID No.: , Register maintained by the Municipal Court in Prague, part: B, entry: 3608, organizational unit (branch of a foreign bank): UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky, Šancová 1/A, Bratislava, Company ID No.: , Register maintained by the District Court in Bratislava I, part: Po, entry: 2310/B(hereinafter as the Bank only) modifying the legal relations between the Bank and its Clients relative to providing of consumer loans in the formof Authorized Overdraft on Current Account (hereinafter also referred to as Loan Limit or Authorized Overdraft only) in compliance with the General Business Terms and Conditions of the Bank (hereinafter as VOP only) and the valid generally binding legislation of the Slovak Republic. 2. These Business Terms and Conditions constitute an integral part of the Agreement on Authorised Overdraft on Current Account, entered-into between the Bank and Client with reference to the Authorized Overdraft on Current Account and they determine a part of the contents of that agreement. 3. Agreement on Authorized Overdraft is to be understood the agreement on consumer loan in any form, based on which the Bank s obligation to execute the Client s payment instructions during the agreed period and up to the agreed amount, even if Client does not have sufficient funds for that purpose on the Current Account, has been incurred or will be incurred between the Bank and Client and the content of which a) is determined by a special agreement on authorized overdraft, by these Business Terms and Conditions and by the VOP or b) is determined by the content of the Loan Application in the Form of Authorized Overdraft on Current Account and by the content of the Agreement on Authorized Overdraft (hereinafter as Application ), by the content of the Notification on Enteringinto the Agreement, by these Business Terms and Conditions and by the VOP (hereinafter as Agreement ); the Agreement shall come into existence at the moment of the Application approval. Article 2 Authorized Overdraft Providing and Drawdown Conditions 1. The Authorized Overdraft on Current Account shall be provided to the Applicant by the Bank based on an Agreement. Unless otherwise provided, the Bank shall consider fillingin and signing of the Application by the Applicant to be a proposal to enter into the Agreement. At is own discretion, the Bank shall be entitled to offer the Authorized Overdraft to the existing or to potential Clients even without submitting of the Application.

2 2. There is no legal entitlement concerning the Application approval and the Bank shall be entitled to refuse to approve the Application without stating a reason therefore. Upon assessment of the Application, the Bank shall be entitled to verify the authenticity and content of the documents as well as of all the data contained therein and to request also for other information on the Applicant from other sources. 3. The Applicant is obligated to indicate in the Application all the identification data, needed for providing of the Loan Limit, correctly, truly and completely. The Applicant shall be responsible for the damage that shall be incurred to the Bank due to indicating false or inexact data. 4. The Loan Limit amount shall be determined by the Bank based on assessment of the data and documents submitted by the Applicant. The assessment shall be done in compliance with the internal regulations, determined by the Bank. Anytime during the validity of the Agreement, the Bank shall be entitled to re-assess the solvency of the Applicant to which the Authorized Overdraft was provided (hereinafter as the Debtor only) and to modify the Authorized Overdraft amount. 5. The Bank shall be entitled to claim Collateralization of the receivable, incurred by the Authorized Overdraft drawdown in the form agreed between the parties depending on the amount of provided Authorized Overdraft, particularly by establishing or pledge and/or blocking of a monetary deposit on the account in favour of the Bank and/or by a third party guarantee. If Collateralization is requested by the Bank, the Applicant shall be obligated to establish the requested collateralization before the first day of the Authorized Overdraft drawdown. If Collateral of the Authorized Overdraft was provided to the Bank by the Debtor and the provided Collateral shall cease to exist or the quality thereof shall deteriorate during the period of the Agreement, the Debtor shall be obligated to complete the Collateral within the period specified by the Bank. 6. The Applicant shall be informed by the Bank on approval or rejection of the Application in the form agreed in the Application. 7. Anytime during the period of duration of the Authorized Overdraft, the Debtor shall be entitled to request the Bank in writing for abolition, reduction or increase if the Authorized Overdraft. 8. The Debtor shall be kept informed by the Bank on the Authorized Overdraft drawdown/repayment by means of Current Account statements. 9. The Bank is entitled to refuse disbursement of the Authorized Overdraft even if the Disbursement Conditions have been fulfilled, if the Debtor gets into default with fulfilment of his/her due financial obligations or fulfilment of other obligations towards the Bank, resulting from the Agreement or from another agreement concluded between the Debtor and the Bank, or according to the Bank s demonstrable finding of, especially from the registers keeping data about the Debtor s loans, that the Debtor is in delay for more than three months with payment of his/her obligations to other banks or other creditors or breaches his/her declaration or other obligations towards the Bank under the Agreement or hereunder. 10. The Bank does not grant Loan for financing of a purpose connected with conduct of business activity, for performance of employment or profession or for a purpose which is at variance with valid legal regulations or with generally accepted principles and values of ethics. Article 3 Authorized Overdraft Settlement 1. Unless the Debtor and the Bank agreed upon extension of maturity of the authorized overdraft for the next period, the Debtor undertakes to remit the payments to the Current Account regularly on monthly basis in order to ensure the full settlement of the Bank s 2

3 receivable from the Authorized Overdraft drawdown on the final maturity day. Unless otherwise specified by the Agreement, the loan shall be due upon the expiry of 12 months from the day of submitting of the Application; if the terms and conditions determined by the Bank are met, the Bank shall be entitled to extent the maturity of the Authorised Overdraft even without Debtor s application. 2. The Debtor shall be entitled to ask the Bank in writing, at least 30 calendar days before the end of final maturity of the Authorized Overdraft, for another 12-month period. Unless the Bank communicates to the Debtor, at the latest within 5 calendar days before the date of final maturity, its disagreement with extension of maturity, it is considered that the Bank agrees with the Debtor s request. If the Bank s conditions have been fulfilled, the Bank shall be entitled to extend the Authorized Overdraft maturity even without the Debtor s request. 3. The Bank shall be entitled, even without the Debtor s request, in case of financially unsecured Authorized Overdraft, to automatically extend maturity of the Authorized Overdraft by 12 months and in case of financially secured Authorized Overdraft to extend maturity of the Authorized Overdraft according to the maturity of financial security. The Bank shall notify the Debtor of the extended maturity of the Authorized Overdraft in writing. 4 The parties have agreed that the interests, the late payment interests, the costs of the Bank related to the Authorised Overdraft and the Fees (hereinafter as the Bank s receivable facility ) shall on the maturity day thereof, agreed in the Agreement or in the Business Terms and Conditions, be credited to the principal of the Authorized Overdraft and shall become a part thereof. 5. At the time until the final maturity of the Authorized Overdraft, the Bank s receivable shall be being repaid by means of setting-off the Bank s receivable under the provided Loan Limit against the Debtor s receivable under the Current Account, always at the moment of occurrence of the Debtor s receivable under the Current Account and up to the extent to which these receivables are covered. 6. The Parties have agreed that the Bank shall be entitled to use the funds on any account of the Debtor or from other deposit of the Debtor maintained in the Bank to set-off the Claims of the Debtor, including set-off of the rights from breach of Debtor's obligations or Bank's rights arisen from withdrawal from the Loan Agreement, namely even if they are denominated in other currency than the currency of the Authorized Overdraft. If the set-off is to be made against deposit or Receivable of the Borrower in other currency than the currency of the Authorized Overdraft, for the currency conversion there shall be applied the exchange rate declared by the Bank, namely foreign Exchange buy of the currency of the Debtor's Receivable. The Parties have agreed that subsequent delivery of a statement from the relevant account of the Borrower maintained by the Bank which demonstrates performance of the set-off shall be sufficient for the demonstration of the set-off according to this paragraph. 7. Unless there are enough funds on the Debtor s Current Account on the Bank s receivable facility maturity day, the Bank shall debit the due Bank s receivable facility from the Debtor s Current Account, on which the Authorized Overdraft permit was issued, what will be considered drawing of the Authorized Overdraft. If in such a case the Authorized Overdraft amount, determined by the Bank, shall not be sufficient to fully settle the Bank s receivable, the Bank shall be entitled to debit from the concerned Current Account even exceeding such Authorized Overdraft amount, determined by the Bank; in this case that shall be considered an unauthorized overdraft, on which the interests agreed for the Authorized Overdraft shall be applied and the Debtor shall be obligated to repay the unauthorized overdraft to the Bank without an unreasonable delay. 8. If the Debtor is in delay with repayment of the provided funds, the Bank shall be entitled to re-post the due amount, reported as the Account debit balance, to the loan account, established and maintained for this purpose and based on the present Agreement by the 3

4 Bank without any additional instruction. The interest rate, agreed in the Agreement or in the Application, shall remain unchanged. Thus the Agreement and the Application and the effect thereunder accrued up to that time shall remain unaffected. 9. Unless the Bank s receivable or a part thereof is settled by the Debtor by the time determined in the Agreement, the Bank shall be entitled to execute the collateral, if it was provided to the Bank by the Debtor. If several collaterals exist, the Bank shall be entitled to execute any of those. Exercise of the Bank s rights under the collateral shall be governed by the provisions agreed between the parties in the agreements, securing the receivable. 10. Debtor is entitled, anytime throughout the Loan duration, to repay the Credit Line or a part thereof prematurely. Through repayment of the full Credit Line, the Debtor s obligation shall expire. Article 4 Authorized Overdraft Interests, Late Payment Interests and Fees 1. The amount of interest rate for Authorized Overdraft has been agreed between the Bank and the Debtor in the Agreement. Should the Bank decide to change the interest rate, due to changes in the Bank s business policy or in connection with the development of legal environment or on the basis of changes on the monetary or capital market, or on the basis of changes on the banking market, the Bank shall inform the Debtor 15 days before the change becomes effective. In the case of Debtor s Consumer s (i.e. Debtor, being the consumer pursuant to special generally binding legislation) disapproval of the new interest rate, he/she shall be entitled to withdraw from the Agreement; the written withdrawal from the Agreement must be delivered to the Bank in person, or by registered mail on the day preceding the day of effect of the new interest rate at the latest. Unless the Debtor Consumer withdraws from the Agreement by the time specified in the previous sentence of these Business Terms and Conditions, it shall be considered his/her approval of the respective interest rate and it shall be binding for him/her. In the case of withdrawal from the Agreement, the Debtor Consumer shall be obligated to repay to the Bank the Bank s receivable, incurred by the drawdown of the Authorized Overdraft together with facility on the day preceding the day of effect of the new interest rate at the latest. The Bank and the Debtor Consumer have agreed that the provisions of these Business Terms and Conditions and those provisions of the Agreement, treating the Bank s receivable under the Authorized Overdraft together with facility, repayment and collateral thereof as well as all the provisions thereto related shall be applied until the moment of settlement of all the receivables and payables of parties under the Agreement. 2. The interest rate applied on calculation of interests shall be applied as a percentage rate per year (per annum, abbreviated p.a.). The interests are calculated from real daily balances of the Current Account debit balance, starting on the day of the first drawdown of the Authorized Overdraft and ending on the day preceding the day of complete settlement thereof (also during delay); the interest are paid in arrears on the last day of the calendar month. When calculating the interests and the late payment interests or the unauthorized overdraft interests, calendar year shall have 360 days and month shall have the real number of days. 4

5 3. If the Borrower is in delay with repayment of the financial obligation (also applies in case of unauthorized overdraft), the Bank shall be entitled to charge default interest on the late payment of the Loan principal in addition to the interest at the common Interest Rate, in the amount according to the valid legal regulations, namely since the first day in delay (inclusive) until the day immediately preceding the day of complete repayment of the delayed amount of financial obligation; the default interest amount valid on the date of the Application shall be provided in the Agreement. 4. Unless the Debtor is charged the late-payment interests by the Bank by means of a written notification on late payment interests, specifying therein the deadline for settlement thereof, the interests can be charged from the Debtor daily by the Bank. Otherwise the provisions on interests of the present Business Terms and Conditions shall be applied. 5. Unless the Bank s receivable or a part thereof is settled by the Debtor within the deadline specified in the Agreement, the Bank shall be entitled to execute the Collaterals. If there are several collaterals, the Bank shall be entitled to execute any of those. 6. The Bank is entitled to charge and the Borrower is liable to pay to the Bank any Fees connected with the granted Authorized Overdraft, according to the Agreement or these Business Terms and Conditions. The fees and the amount thereof are regulated by the Price List valid at the time of due date of a transaction, which forms an integral part of the Agreement and the Business Terms and Conditions. The fees and the amount thereof valid at the time of the Application and maturity thereof shall be specified in the Agreement. The Bank is entitled to change and/or amend the Fees by changing the Price List, in particular following the development of the legal environment or in relation to innovation of products and related development in the banking information systems; the Bank informs about the change of Pricelist by Disclosure within the deadline listed in the relevant legal regulation before the change becomes effective. Debtor - Consumer is entitled to withdraw from the Loan Agreement in case of considerable increase of Fees; written withdrawal from the Loan Agreement must be delivered to the Bank in person or in form of registered mail delivery at the latest on the day preceding the day when the change of Pricelist becomes efficient. If the Debtor Consumer shall not withdraw from the Loan Agreement in the period listed in the previous sentence of the present Business Terms and Conditions, it shall be deemed he/she agrees with the relevant change of Pricelist and is bound therewith. In case of withdrawal from the Loan Agreement, at the latest on the day preceding the day when the Pricelist becomes efficient, the Debtor Consumer is obliged to repay the Receivable to the Bank. 7. Hereby, the Bank informs the Debtor that also other expenditures may arise in connection with the Agreement, he/she will be obliged to pay to third parties, e.g.: in case of the Bank s requirement to ensure security, to pay fee for the proposal for registration of lien, fee for execution of expert opinion, fees for notary acts, etc., the amount of which is determined by generally binding legal regulations or by the agreement of the Debtor with the third party. Article 5 Special Declarations and Guarantees 5

6 1. By submitting of the Application the Applicant declares that: a) he/she is fully competent to legal acts; b) all the documents, submitted to the Bank in connection with entering-into the Agreement are authentic and true; c) bankruptcy has not been declared or restructuring has not been permitted with regard to his property d) he/she is not in delay with fulfilment of his/her obligations towards other creditors; e) he/she is not a person with a special relation to the Bank pursuant to the respective provisions of the Acton Banks; this declaration is considered true and repeated upon the execution of each deal. The Debtor undertakes to inform the Bank without an unreasonable delay that a fact has occurred, making him/her a person with a special relation to the Bank pursuant to the Act on Banks and he/she is aware of the consequences of the failure to inform, imposed by the Act on Banks; f) he/she is not a politically exposed person pursuant to the applicable generally binding legislation; this declaration is considered true and repeated upon the execution of each deal. The Debtor hereby undertakes to inform the Bank without an unreasonable delay about each change of his/her data, making him/her a politically exposed person; g) there is no judicial dispute or other judicial or administrative or other proceedings conducted which could influence validity of the Agreement or ability of the Debtor to fulfil his obligations under the Agreement (e.g. proceedings regarding legal capacity of the Debtor, recovery of claims by other creditors, execution proceedings and the like); h) the Application has been duly signed on the part of the Borrower on his behalf and it constitutes valid and legally binding obligation of the Borrower which is enforceable in compliance with the terms and conditions thereof; i) that exclusively the funds in his/her possession will be used by him/her for execution of the deals related to fulfilment of the obligations under the Agreement and he/she shall execute those deals on his/her own account. At the same time the Debtor undertakes that in the case that funds in possession of a third person should be used for execution of a deal related to fulfilment of the obligations under the Agreement or if such a deal should be done to the account of such third person, he/she will submit to the Bank a written declaration, indicating therein the name, surname, birth ID number or date of birth and permanent residence address of a natural person or name, seat and company ID No. (IČO) of the legal entity, if assigned to it, who is the owner of the funds or to who s account such a deal is to be done. In such a case the Debtor shall also be obligated to submit to the Bank the written approval of the affected person to use his/her funds for the executed deal or execution of that deal to his/her account. 2. The Debtor undertakes: a) to ensure the monthly turnover of at least 80% of the originally declared income on the Current Account, to which the Authorized Overdraft is provided; this obligation shall not be applied on an Authorized Overdraft provided to accounts established by the Bank after meeting of its determined terms and conditions for students; b) to repay the sum of the drawdown funds at least once a year during the period of twelve consecutive months, however by 12 months after the last payment of the Authorized Overdraft at the latest; this obligation shall be considered fulfilled by the Bank, if the sum of the drawdown funds is repaid by the Debtor by the end of any calendar day of the period, specified in the part of the sentence preceeding the 6

7 semicolon hereinabove. 3. The Debtor hereby agrees that the Bank shall provide the information which are subject to bank secret and are related to the loan transaction on the basis of the Agreement to a third person, which has provided the Collateral as well as to a third person,entrusted by the Bank with enforcement of the overdue receivable of the Bank or with which the Bank is negotiating on assignment of the overdue receivable of the Bank from the Debtor. 4 The Debtor and the Bank have agreed that: a) if any of the provision of the Agreement or these Business Terms and Conditions shall become invalid completely or partially, it shall not affect the validity of the rest of the Agreement or these Business Terms and Conditions. In such a case, as well as in the case of invalidity of the entire Agreement or these Business Terms and Conditions, the parties hereby undertake to replace the invalid provisions with new ones, matching the purpose of the invalid provisions most of all; b) expiration of the Agreement shall not cause the expiration of those sections of the Agreement and those rights and obligations of parties, concerning repayment of the disbursed funds of the Credit Line together with interests, particularly the Bank s right to debit them from the Debtor s Current Account pursuant tothe Agreement, collateralization of the Debtor s obligations and the Bank s right under the Collateral. Article 6 Early Maturity of the Authorized Overdraft, Termination of Contractual Relation 1. If any of the facts, endangering the proper and timely fulfilment of Debtor s obligations shall occur, constituting a reason for extraordinary maturity of the Credit Line (case of Default) pursuant to the provision of the Agreement or these Business Terms and Conditions, the Debtor s obligations shall become due before the maturity date, specified in the Agreement. Thereby the effect of the arrangements on the maturity date, agreed in the Agreement, shall expire and the Debtor shall be obligated to repay the Credit Line together with the facility thereto and the Bank shall be entitled to claim repayment of the Credit Line together with facility thereto before that date. 2. Following shall be the reasons for the extraordinary maturity of the Credit Line, based on which the Credit Line together with the Bank s receivable facility shall become due upon notification by the Bank to the Debtor: a) if the Debtor fails to repay the unauthorized overdraft within 10 calendar days since the day of occurrence of the unauthorized overdraft; b) if the Debtor gets into the delay with fulfilment of his/her due financial obligations or fulfilment of other his/her obligations towards the Bank, resulting from the Agreement or from another agreement entered into with the Bank or if the Bank has demonstrably found out, especially from the registers keeping data about the Debtor s loans (e.g. the register of banking information, non-banking register of client information, etc.), that the Borrower is in delay for more than three months with fulfilment of financial obligations towards any other creditors or shall breach his/her declaration or other undertakings towards the Bank pursuant to the Agreement or these Business Terms and Conditions or the Agreement; c) if the Bank has come to know from a reliable source that a lawsuit or another similar proceeding on settlement of a contractual or a non-contractual obligation at the amount, the one-off settlement of which endangers the fulfilment of the Debtor s obligation towards the Bank has been started against the Debtor by any of his/her creditors or if there exists a power for execution, binding the Debtor to such an amount or a proposal to start an execution to enforce such a receivable was submitted against the Debtor or if a proposal to declare a bankruptcy over the Debtor s assets was submitted or a proposal for Debtor s restructuring or if conditions for declaring bankruptcy over the Debtor s assets exist; 7

8 d) if circumstances, constituting a title for abolition of the agreement on Current account, occur; e) if false information was provided to the Bank by the Debtor, including the data on special relation to the Bank or on politically exposed person pursuant to special regulations or the Debtor misled the Bank by providing incorrect data, withholding the information or in another way, having an impact on the Bank s decision to approve the Authorized Overdraft; f) if the Debtor declares or acknowledges that he/she is not able to settle any financial obligation towards the Bank within the maturity date thereof; g) if a criminal complaint was lodged against the Debtor by the Bank, if he/she was taken into custody or he/she started the imprisonment; h) if the Debtor died or was declared dead and at the same time no other agreement was entered-into between the Bank and successors without an unreasonable delay; i) if the collateral of the Bank s receivable deteriorates (if it is established) and the Debtor fails to complete the collateral appropriately upon the Bank s request or fails to fulfil his/her due obligation towards to Bank within the set deadline or if actions, requiring the Bank s written approval pursuant to these Business Terms and Conditions or pursuant to the Agreement or pursuant to an agreement, by which the collateral is established, are taken by the Debtor without such approval. 3. The validity of the Agreement can be terminated by an agreement of the parties or by a termination notice or in another manner, specified in these Business Terms and Conditions. 4. The Debtor shall be entitled to withdraw from the Agreement without indicating a reason therefore within 14calendar days since the day of entering into the Agreement. The Notice on withdrawing from the Agreement must be sent by the Debtor in writing on the last day of the period specified in the first sentence at the latest. The Debtor shall be obligated to repay the amount of the disbursed Credit Line to the Bank and to settle the interests as from the day of drawdown of the Authorized Overdraft until the day of repayment thereof without an unreasonable delay within 30 calendar days after sending of the notice on withdrawal from the Agreement at the latest; the interest amount shall be calculated applying the interest rate agreed in the Agreement. The interest amount shall be calculated from the real daily balances of the principal, starting on the day of posting of the drawn Authorized Overdraft amount to the loan account and ending on the day preceding the day of the full principal repayment (also during delay). In case of failure to respect the deadline of the Credit Line repayment and settlement of interests, the Bank shall be entitled to impose interests in the overdue principal amount, applying the interest rate specified in art. 4, para. 3 of these Business Terms and Conditions. If an additional service has been agreed to be provided together with the Agreement (e.g. insurance), the agreement on the additional service shall also expire at the moment of withdrawing from the Agreement; expiry of the agreement on additional service shall be communicated to the provider thereof by the Bank. Article 7 Special Provisions 1. Records from Bank's accounting represent sufficient evidence of the Debtor s financial obligation, unless they are proved to be materially incorrect. 2. The Debtor shall file any request for correction of incorrect accounting and enforce other rights at the address of the Bank's Business Place which accepted the Application. 8

9 Article 8 Final Provisions 1. Mutual rights and obligations, not explicitly treated by these Business Terms and Conditions or by the Agreement, shall be governed by the VOP, Price List (in terms of amount and maturity of the fees) and by the applicable legislation in this order. 2. Provided any of the provisions of the Agreement or the Business Terms and Conditions are or shall become or will be acknowledged invalid or unenforceable, it shall not affect the validity and enforceability of other provisions thereof. 3. The Bank declares that the governing law applicable to the Credit Line provision is the law of the Slovak Republic. 4. In order to improve quality of services provided by the Bank following the development of the legal environment or in relation to innovation of products and related development in the banking information systems, the Bank is entitled to modify or amend or fully replace the Business Terms and Conditions.The Bank shall publish the actual wording of the Business Terms and Conditions no less than 15 days before the effective date of the relevant change. Debtor shall be entitled to express Debtor s disagreement with the change to the Business Terms and Conditions by way of a written notice delivered in the form of a registered mail to the Bank no later than on the day preceding the effective date of the change to the Business Terms and Conditions. If the Debtor fails to advise Debtor s disagreement in the above time period with the change of the Business Terms and Conditions or performs any legal act in relation to the Bank, or continues to receive Bank's products, with the situation making it clear that the Debtor wishes to continue in the contractual relations with the Bank, or Debtor acts in a manner proving that the Debtor has become familiar with the change of the Business Terms and Conditions, the Debtor shall be deemed to have given consent to the change of the Business Terms and Conditions and such changes shall become effective in relation to the Debtor for mutual relations established by the Loan Agreement and relations related thereto on the day specified in the Business Terms and Conditions. If the Debtor does not agree with such new wording of the Business Terms and Conditions and the parties fail to reach any other agreement Debtor shall return the Receivable back to the Bank no later than on the day preceding the effective date of the published change to the Business Terms and Conditions. 5. All contractual relations arisen between the Debtor and the Bank as of the effective date of the Business Terms and Conditions shall be governed by the Business Terms and Conditions, unless the Business Terms and Conditions provide otherwise. All contractual relations entered into by and between the Debtor and banks, to which the Bank has become a legal successor from shall be governed exclusively by these Business Terms and Conditions, unless these Business Terms and Conditions provide otherwise. The Debtor shall also be deemed to have given consent to these Business Terms and Conditions if the Debtor performs any legal act in relation to the Bank or continues to receive products, with the situation making it clear that the Debtor wishes to continue in the relevant contractual relations with the Bank, or Debtor acts in a manner proving that Debtor has become familiar with the Business Terms and Conditions. 6. These Business Terms and Conditions shall enter into effect on 1 st September 2014 and supersede in full extent the business terms and conditions valid until the effective date hereof. In... on... 9

10 I hereby confirm, in my own signature, to have received the Business Terms and Conditions Debtor Name and Surname: Birth number: Signature: 10