Retail Payment Services

Retail Payment Services Information Sheet January 2015 Contents: 1. Security 2. Direct debits 3. Business days 4. Limits 5. Fees and charges 6. Exchange rates 7. Current account interest 8. Value date 9. Addressing paper payment orders

Retail Payment Services Information Sheet This translation is furnished for the client s convenience only. The original Dutch text, which will be sent upon request, will be binding and shall prevail in case of any variance between the Dutch text and the English translation. 5 Report any incidents immediately to the bank and follow the bank s instructions More details are given below. This information sheet gives you rules and information on matters referred to in the: ABN AMRO Bank N.V. General Conditions (these comprise the General Banking Conditions and Client Relationship Conditions) Retail Payment Services Conditions 1. Security You are required to abide by the following security rules, which are in addition to the rules set out in the ABN AMRO Bank N.V. General Conditions. 1A Security rules What is the reason for these rules? Electronic banking and electronic payments must be secure. Internet banking, mobile banking, payment at point of sale (POS) terminals and cash withdrawals at automated teller machines (ATMs), all need to be secure. The bank plays a major role here, but so do you. These security rules tell you what you need to do. Why is it important that you abide by these rules? Adherence to these rules greatly reduces your chances of becoming a victim of fraud. Consumer law prescribes that the bank must reimburse you if money is withdrawn from your account without your consent, although the bank is legally entitled in certain cases to consider you personally liable for up to 150 euros. The bank is, however, not always obliged to reimburse you for your loss, possibly minus your own liability of up to 150 euros. The exceptions are described in article 6.3 of the Retail Payment Services Conditions. Provided you abide by the following five security rules, you will not run the risk of being liable for your entire loss. What must you do? 1 Keep your security codes secret 2 Make sure your bank card is never used by anybody else 3 Make sure that the devices you use for your banking business are secure 4 Check your bank account Security guidelines 1 Keep your security codes secret Bear the following in mind: Make sure that nobody else can learn your security codes. Security codes include not only the PIN that you use in conjunction with your bank card, but also all the other codes that you need in order to make electronic payments and to use Internet Banking and Mobile Banking. They are, for examples, the codes that you use with the e.dentifier that the bank has provided. You are the only person who may use these security codes. You must do so in the manner prescribed by the bank. Point 1B of this section tells you about the permitted use of security codes. Do not write down the codes or store them on your computer. Or, if there is really no alternative, save them only in a disguised form that you alone can decipher. In that case, never keep the disguised codes with your bank card or with the device that you use for your banking business. If you can choose a security code yourself, make sure that it is not easy to guess. Do not choose, for example, your date of birth, the name of a family member or your postcode. Make sure that nobody is watching when you key in your security codes. This applies not only to your PIN but also to the other codes you need to use in order to make online payments or use Internet Banking and Mobile Banking. Never mention a security code on the telephone, in an email or in any other manner other than that prescribed by the bank. This also applies if you are approached by telephone, by email or personally by somebody who says he or she is an employee of the bank. The bank would never ask you for your security codes in such a way. 2 Make sure that your bank card is never used by anybody else Bear the following in mind: Do not allow yourself to be distracted when using your bank card and check that you get back your own bank card after use. Page 1 of 6 Retail Payment Services Information Sheet January 2015

Always keep your bank card in a safe place and make sure that it is not easy to lose. Check regularly that the bank card is still in your possession. 3 Make sure that the devices you use for your banking business are safe and secure Make sure that the software installed on the devices (e.g. computer, tablet and/or smartphone) that you use for your banking business is provided with regular (security) updates. Examples of installed software are the operating system and security programs, such as virus scanner and firewall. Do not install any illegal software. Safeguard access to the devices that you use for your banking business with a password. Make sure that the bank s apps on the device that you use for your banking business cannot be used by any unauthorised person. Always log out once you have finished your banking business. The bank can block your account in order to prevent any (further) loss. If the bank gives you instructions with the aim of preventing new incidents, for example, then you must follow those instructions. Even in this instance, the bank will never ask for your security codes. You can report an incident in one of the following ways: Call us on telephone number 0900-0024^ (in the Netherlands) or +31 (0)10 282 07 24 (from abroad) Go to one of our branches in the Netherlands (during opening hours) To have your bank card blocked, you can also call the bank card hotline on 0800-0701 (in the Netherlands) or +31 (0)20 651 59 27 (from abroad). Users of the ABN AMRO Stand-by Service can also call telephone number 0800-0701 (in the Netherlands) or +31 (0)20 651 59 27 (from abroad, reverse charge call). 4 Check your bank account Bear the following in mind: Always check your online or paper account statement for unauthorised transactions as soon as possible. Do this at least every two weeks if you receive account information online. If you only receive paper account statements, you should check these within two weeks of receipt. If the bank incurs a loss because it has been impossible for you to check your account statement for some time, the bank may ask you for evidence that in all reasonableness the delay really was unavoidable. 5 Report any incidents immediately to the bank and follow the bank s instructions Bear the following in mind: Always notify the bank immediately in the following incidences: You have mislaid your bank card and do not know where it is. You know or suspect that somebody else knows or has used your security code. You notice transactions on your account statement that you have not authorised. You no longer have your mobile device with the bank s payment app, unless you have passed on this device to somebody else after first deleting the payment app. Also contact the bank immediately if you experience something strange or unusual, such as a different way of logging in. The telephone lines are open seven days a week, 24 hours a day. 1B Permitted use of security codes Security codes Security codes are all the personal codes that you use as part of your client identifier. A description of these client identifiers is given in article 3 of the Payment Services Conditions. Permitted use of security codes You may use your security codes only as permitted by the bank. You may only key in your PIN at: ATMs POS terminals the e.dentifier issued by the bank Your m-pin for use with the Mobile Payment app at POS terminals may be keyed into only your smartphone containing the bank s Mobile Payment app. All other security codes, such as the codes for e.dentifier or the five-figure identification number, may only be used for: Internet Banking (including ideal payments) via the bank s secure website Mobile Banking via the bank s app Telephone Banking via telephone number 0900-0024^. For the numbers used by the bank, see https://www/abnamro.nl/nl/prive/contact/index.html Security codes must never be used in any way other than described above. They must not be mentioned on any website other than that of the bank. Page 2 of 6 Retail Payment Services Information Sheet January 2015

You should never reveal these codes to anyone else, not even to members of the bank s staff. 2. Direct debits Types of direct debits For a recurring SEPA direct debit (SDD), you give a mandate that will remain valid for repeated direct debit transactions. For a one-off SEPA direct debit, you give a mandate that is valid for one payment only. A mandate can be given in writing. It may also be given online once the bank makes this possible 1. Reversal You can give an instruction to reverse a direct debit in one of the following ways: via the abnamro.nl website (if you use Internet Banking) by calling telephone no. 0900-0024^ at a branch of the bank You can read in the Retail Payment Services Conditions when you can instruct the bank to reverse a direct debit without giving a reason or get a refund due to the lack of valid mandate. In the case of a reversal without giving a reason, the bank will re-credit your current account as quickly as possible, and at any rate within ten working days. If the debit is to be reversed because of the lack of a mandate, the bank will attempt to refund the payment within 30 days. The bank will reimburse you for any interest you may lose or pay on your current account because of the unauthorised direct debit. Notification of reversal or refusal by the bank The reversal will appear on your account statement. If a direct debit is refused, the bank will notify you via Internet Banking or by letter. Instruction to block direct debit If you wish to refuse a direct debit, you can instruct the bank to block it. The various options for blocking a direct debit are given in article 10.4 of the Payment Services Conditions. You can give the instruction: via Internet Banking by calling telephone no. 0900-0024^ at a branch of the bank 3. Business days The Retail Payment Services Conditions refer to business days. Details of the days that count as business days are given below. The bank may perform certain activities also on non-business days. However, only days on which the bank can perform all the activities required to execute a payment transaction count as business days. Obviously, the business days of the beneficiary s bank also need to be taken into account. Payment order Business days If the payment order can be Every day processed within ABN AMRO Bank in the Netherlands and the order was given online calling telephone no. 0900-0024^ earlier for execution at a future date If the order is given in writing or by telephone via a branch Other orders 4. Limits Every day except Saturday, Sunday, New Year s Day, Good Friday, Easter Monday, King s Day, Labour Day, Liberation Day (every five years), Ascension Day, Whit Monday, Christmas Day, Boxing Day Every day except Saturday, Sunday, New Year s Day, Good Friday, Easter Monday, Labour Day, Christmas Day, Boxing Day Limits are set on payment transactions, depending on the payment service and the way the payment order is delivered. The limits referred to below will only apply if you have not agreed any other limits with the bank. Transfer via Internet Banking, using e.dentifier 250,000 per transfer for payments in the SEPA area 50,000 per transfer for payments outside the SEPA area Transfer via Internet Banking/Mobile Banking, using identification number 250,000 per transfer to your own accounts in same name 3,000 per transfer from an account solely in your name to your joint account and vice versa 750 maximum daily limit, set by yourself, on transfers to accounts to which you have made a transfer in the previous 18 months 750 maximum daily limit, set by yourself, on transfers to other accounts 2 1 This is expected to become possible in the course of 2015. 2 N.B. This option applies only to Mobile Banking, when the device you use has been registered with the bank. The maximum day limit applies to both types of day limit together. Page 3 of 6 Retail Payment Services Information Sheet January 2015

3000 per transfer made using e.dentifier after logging in with identification number ideal payment via Internet Banking/Mobile Banking using identification number 50,000 per day ideal payment via Mobile Banking using identification number 750 maximum daily limit 3, set by yourself, on transfers to accounts to which you have made a transfer in the previous 18 months 750 maximum daily limit 4, set by yourself, on transfers to other accounts 2,500 per day for payments at POS terminals at home and abroad 500 for withdrawals at ABN AMRO ATMs at home and abroad 250 once a day for withdrawals at an ATM of another bank in the Netherlands Using your e.dentifier, you can change the following limits via Internet Banking or Mobile Banking: limit on payments at POS terminals limit on cash withdrawals at ABN AMRO ATMs limit on transfers via Internet Banking/Mobile Banking, using identification number, to accounts to which you have made a transfer in the previous 18 months You can also ask the bank to change these limits. Lower limits may apply to POS payments and cash withdrawals abroad. These are beyond the bank s control. The use of the bank card abroad can be restricted to The use of the bank card abroad may be restricted to countries in Europe. You can always ask the bank whether your bank card is activated for Europe only or for worldwide use. You can also check this yourself from your payment profile in Internet Banking. If you want to change the scope of your bank card from Europe only to worldwide or vice versa, you can do so yourself in Internet Banking or you can ask the bank to do it. If you do not use your bank card outside Europe, the bank recommends that you opt for Europe-only use. This gives you better protection against the misuse of your bank card. The international transfer option in International Banking can be blocked. You can check this and change it yourself via your payment profile in Internet Banking. If you never make international transfers, the bank recommends that you block this option. 5. Fees and charges Personal Package (Privé Pakket) Opening fee Monthly fee (including Personal 3.25 Account, savings account, one bank card, Internet Banking, Mobile Banking, annual financial statement and one credit card* Monthly fee (including Gold Card) 5.45 * Every additional debit card (maximum 5) 0.75 per month and/or credit card 0.88 or Gold Card 2.20 per month (maximum 5). Student Package Opening fee Monthly fee (including Student Account, one student debit card, Internet Banking, and Mobile Banking Annual financial statement Credit Card (optional) 14.00 per year Prestige package (discontinued) Monthly fee (including Personal 7.10 (discontinued) Account, savings account, one debit card, Internet Banking, annual financial statement, ABN AMRO Stand-by Service, Income Insurance Plus and two Gold Cards* * Additional debit cards (maximum 5). First two credit cards ; additional credit card 0.88 per month or Gold Cards 2.20 per month. Personal Account (Privérekening) Opening fee Monthly fee 1.85 Young Person s Growth Account (Jongerengroeirekening) Opening fee Monthly fee Young Person s debit card Foreign Currency Account Opening fee 40.00 Monthly fee 4.35 Debit cards Monthly fee debit card 1.50 Monthly fee savings card Replacement debit card 3.50 3 It is possible that you will pay a payment service provider that has been engaged by the creditor and not directlyto the creditor. In that case, the bank will look whether you have made a payment to the same payment service provider in the past 18 months that was destined for the same creditor. 4 N.B. This option applies only to Mobile Banking, when the device you use has been registered with the bank. The maximum day limit applies to both types of day limit together. Page 4 of 6 Retail Payment Services Information Sheet January 2015

Account Statements Monthly statements Monthly fee two-weekly statements 0.95 Monthly fee weekly statements 1.90 Monthly fee daily statements 5.25 Copy of statement (single request)* 5.25 Copy of Annual Financial 5.25 Statement Monthly fee duplicate monthly 0.55 statements Monthly fee duplicate two-weekly 0.95 statements Monthly fee duplicate weekly 1.90 statements Monthly fee duplicate daily 5.25 statements * Copies of statements issued prior to 1 July 2000 are subject to an hourly search fee. For more information, please call 0900-0024^. Internet Banking Internet Bankieren incl. e.dentifier Extra e.dentifier 7.95 Financial Diary Mobile Services Mobile Banking Payment alerts Text messages 0.20 per message Emails 0.20 per message ABN AMRO Stand-By Service* Monthly fee with payment package 1.00 Monthly fee without payment package 1.50 * The ABN AMRO Stand-By Service is included of charge in the Prestige Package. Current Account Switch Service Switching your current account to ABN AMRO Payment Orders Current fees for payment and transfer products and services are shown in the tables below. Euro payment orders in euros within the SEPA area* Transfer Urgent, via internet 5.50 Orders via one of our branches 11.50 Urgent via one of our branches 17.00 Giro collection (Acceptgiro) Standing order Direct debit Transfer forms (book of 22)** 8.80 Bank envelopes (25)** 12.50 ( 0.50 each) * SEPA stands for Single Euro Payments Area and comprises the EU countries, Norway, Iceland, Liechtenstein, Switzerland and Monaco). ** You can order forms by calling telephone no. 0900-0024^, or at one of our branches. Payment orders in foreign currency and/or outside the SEPA area* Transfer 0.1% of the payment minus 4.00 5.50 55.00 Urgent via internet Transfer charge, plus 9.00 Order via one of our branches 0.1% of the payment minus 4.00 5.50 55.00 plus 11.00 handling fee Urgent via one of our branches Form charge, plus 9.00 Credit transfer forms per 3** 8.80 OUR*** Fee varies per country see abnamro.nl/tarieven * SEPA stands for Single Euro Payments Area and comprises the EU countries, Norway, Iceland, Liechtenstein, Switzerland and Monaco. ** You can order forms by calling telephone no. 0900-0024^ or at one of our branches. *** OUR means that you pay the charges of the foreign bank as well as the charges of ABN AMRO. Payments received from abroad Euro transfer from within the SEPA area* Transfer from outside the SEPA area or in foreign currency 0.1% of the amount 7.00 70.00 Other charges relating to payments in euros outside the SEPA area* or in foreign currency Completion charge 20.00 Fee for completing or correcting a transfer form Queries and/or inquiries 25.00 Handling fees for cancelled 25.00 payments and any charges of foreign bank * SEPA stands for Single Euro Payments Area and comprises the EU countries, Norway, Iceland, Liechtenstein, Switzerland and Monaco. Cheques Cheque clearing under usual reserve Cheques for up to 100 are credited to your account almost as soon as we receive them. This credit is made under reserve, which means that we can re-debit your account if the cheque is not honoured. plus Extra charges: postage any charges of the foreign bank 0.1% of the value 7.00 70.00 15.00 handling charge Page 5 of 6 Retail Payment Services Information Sheet January 2015

Cheque clearing (collection) The cheque is not credited to your account until ABN AMRO has received the value from the bank on which the cheque is drawn. 0.1% of the value plus extra charges: postage any charges by foreign bank any inquiry fees 7.00 70.00 35.00 handling fee Payments at POS terminal With debit card in euros within the eurozone With debit card* in foreign currency 0.15 plus 1.2% foreign exchange rate margin * If you have a Personal Package, Prestige Package or Student Package, you will pay only the exchange rate margin. Euro withdrawal at ATM With debit card* within the eurozone * With a savings card, it is only possible to make cash withdrawals at ABN AMRO ATMs in the Netherlands. Foreign currency withdrawal at ATM With debit card* 2.25 plus 1.2% foreign exchange margin * If you have a Prestige Package or Student Package, you will pay only the exchange rate margin. Buying/Selling foreign currency at ABN AMRO s Schiphol branches Foreign currency with a counter 3.25 per transaction value of less than 200 Foreign currency with a counter value of more than 200 Foreign currency at other 3.25 per transaction ABN AMRO branches Depositing cash At an ATM (euro banknotes) Client s first six deposits in any calendar year of charge, thereafter 2.80 per deposit plus 0.25% of the deposited sum. You can deposit or withdraw coins at the dedicated ATMs at ABN AMRO branches. You will be charged for this by the service provider, which is not the bank. 6. Exchange rates If you pay in a non-euro currency at a POS terminal abroad or withdraw cash in a non-euro currency at a foreign ATM, the bank will convert the amount at the basic exchange rate for bank card transactions with a margin of 1.2%. Credit cards issued by the bank are subject to the conditions that you receive with those credit cards. The bank publishes the basic exchange rates for bank card transactions daily. These can be viewed online at abnamro.nl or you can ask the bank for the information. 7. Interest on your current account Current interest rates can be viewed online at abnamro.nl or you can ask the bank for the information. 8. Value date The value date refers to the day on which an amount credited or debited to an account starts or ceases to earn interest. The following applies to the payment transactions referred to in the Retail Payment Services Conditions. If these payment transactions are made in euros or in another currency of an EEA country, the value date will be the same as the date on which the bank credits or debits the payment to your current account. Incoming payments from abroad are sometimes credited earlier than the value date. The value date is then the same as the date on which the bank receives the payment. This applies only to payments in euros or another currency of an EEA country. The EEA countries are the member states of the European Union, plus Iceland, Norway and Liechtenstein. 9. Addressing paper payment orders Paper payment orders should be sent to the following address: ABN AMRO Bank N.V. POB 77777 3000 MA Rotterdam When you make a payment from your current account in a currency other than the euro or you want to change foreign banknotes, the bank applies the exchange rates that it publishes daily. You can view these rates online at abnamro.nl or you can ask the bank for the information. If you pay foreign banknotes into an account in the same currency, the bank will first convert the amount into euros. ABN AMRO Bank N.V., established at Amsterdam Trade Register CoC Amsterdam, number 34334259 ^ Calling costs: your usual call charges set by your telephone provider. Page 6 of 6 Retail Payment Services Information Sheet January 2015

0900-0024 (Call charges: for this call you pay your usual call charges set by your telephone provider) abnamro.nl