How To Pay Online In Poz

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1 OFFER Online payments 72 Wielicka Street Kraków, Poland tel.: fax:

2 1. PAYMENT CARDS Card payments are a very popular, simple, and convenient way to pay. It allows accepting payment cards issued in Poland, as well as abroad. Additional security guarantees safety of such transactions, and the number of people using this method of payment is growing. Dotpay accepts payments using the following cards: Dotpay also supports payments made with the use of digital wallets of MasterPass and V.me by Visa. MasterPass is a digital wallet by MasterCard enabling transactions to be made over the Internet with the use of payment cards. Prior to the transaction, the card holder registers the cards in the MasterPass service, and then, when making the transaction, logs themselves in to the MasterPass digital wallet by entering the login and password or mpin to the system. While making the transaction, the system may additionally require card holder verification by entering the three - domain authorisation code or the code visible on the card, that is CVV2 (Visa), CVC2 (MasterCard), Card Security Code (American Express).

3 2. INSTANT AND REGULAR E-TRANSFERS The service consists of full integration of the payment process in the online shop with the banking system. When finalising the purchase, all transfer data is completed automatically, and its editing is locked. This way the buyer does not have to manually enter the amount or the order number, the account number, the name of the shop and other data required to make a payment, and therefore errors are eliminated. At Dotpay transactions can be made using the following transfers: Advantages of instant e-transfer payments: speed - the transfer is immediately carried out within the bank's posting hours, savings - instant e-transfers are a payment channel that is free from fees charged to the customer, certainty - transactions are fully protected.

4 On an ongoing basis, Dotpay integrates all types of payments through instant e-transfers. Not all banks, however, provide such a solution. Due to copyright solutions developed by Dotpay, also the account holders: and those paying by a bank transfer from any bank can quickly and safely carry out on-line bank transfers when shopping in your store or web-based service. S 3. CASH PAYMENTS To meet the expectations of customers who do not trust the modern forms of payment and prefer to use cash, as well as prefer a more anonymous form of making payments, we have introduced suitable payment methods. For goods and services ordered on the internet cash payments can be made at stationary locations. Your customers can choose from thousands of the network's locations:

5 4. MOBILE PAYMENTS mpay - pay by phone. All you need is a phone, but payment is not charged to your phone bill. The service works with any mobile phone, operates using a special application, but it is not necessary for its proper functioning. Sky Cash is a universal payment system using a mobile phone. It works on any GSM network. The application is available for ios, Android, BlackBerry, Symbian, Java, and Windows Mobile. SkyCash wallet account can be easily topped up using coupons. The system is independent of the mobile network operators. Płacę z IKO is a mobile payment system of PKO Bank Polski, which is an advanced technological solution that forms the basis for development of the local payment standard. To use the service there is no need to have a special phone or SIM card. The system operates on an IKO application installed in the user's mobile phone, which generates one-off codes to authorise the transaction. With the application, customers can pay in traditional and online shops, withdraw money from ATMs and transfer funds to a phone number. PeoPay is a modern and convenient way to pay without having cash or a bank account. It allows fast transfers and non-cash payments in shops and online. The application is independent of banks and mobile operators. BLIK is an innovative mobile payment system for mobile phones holders who can easily and safely execute a payment in the Internet as in stationary shops. Today it is possible to pay via this payment channel from six banks: Alior Bank, Bank Millennium, Bank Zachodni WBK, ING Bank Śląski, mbank, PKO Bank Polski and Inteligo. In order to pay it is enough to log into a bank s application and provide a code shown in a payment process and confirm it. What is more, smartphones users may pay out money at ATM. Soon mutual settlements from a phone will be available.

6 5. INSTALMENT PAYMENTS E-RATA raty z Dotpay - the first Internet-based system for HP sales on the Polish market which operates in 100% online. Owing to partnership of the leader in online billing which is Dotpay S.A. and the fastest growing bank in Poland (Alior Bank), your customers can be offered HP sales without leaving home. mraty - the next Internet-based system for HP sales on the Polish market which operates in 100% online. This enables your customers to have direct access to the bank and to apply for a loan. After receiving the information from the bank about granting a loan, Dotpay S.A. guarantees immediate payment of funds for the products or services sold. The lending process is carried out online, without leaving home, signing a contract or providing a proof evidencing income earned. 6. E-WALLETS PayPal is another form of electronic payments proposed by Dotpay which offers a high level of comfort and safety of online purchases. Implementation of a new payment is very easy and fast. The whole process does not require any integration work - just a few simple steps (signing up, approval and verification of your PayPal account and access configuration). PayPal is a system used by millions of users around the world. It fulfils the expectations of both sides participating in e-commerce, therefore it is a great option for both buyers and sellers - users of international auction websites or online store owners. PayPal transaction handling is completely free at Dotpay - Dotpay does not charge any fees or commissions for the PayPal service.

7 SELECTED CUSTOMERS FINANCIAL RELIABILITY IS CONFIRMED BY:

8 Dotpay that has been on the market since 2000 is an undisputed technological leader among companies providing financial services (financial intermediation) with regard to money transfers between buyers and sellers in the Internet. Several years of operations on a very demanding market, a stable financial condition, vast experience, and the use of the state-of-the-art technological solutions and strict adherence to safety rules plus a wide range of services are the reasons why thousands of companies have chosen Dotpay as the service through which their payments are carried out. In accordance with strict laws, the Company fulfils a number of requirements necessary to act as a: - Settlement Agent, specified in the Act on Electronic Payment Instruments of 12 September 2002 (Journal of Laws of 11 October 2002 No. 169 Item 1385, as amended), - Payment Institution specified in the Payment Services Act of 19 August 2011 (Journal of Laws of 19 August 2002, No. 199 item 1175, as amended). Business is conducted in the form of a joint stock company and the share capital in the amount of PLN 4 million has been fully paid up in cash. Company is being supervised by the Financial Supervision Authority and President of The National Bank of Poland. SAFETY IS CONFIRMED ON A DAILY BASIS BY: CORPORATE SOCIAL RESPONSIBILITY: