BUSINESS TERMS AND CONDITIONS

BUSINESS TERMS AND CONDITIONS for citi credit cards Valid and effective from 1 January 2014 Citibank Europe plc, organizační složka PRAGUE CZECH REPUBLIC

GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS Effective from 1 January 2014 Citibank Europe plc, organizační složka PRAGUE CZECH REPUBLIC

1. BASIC PROVISIONS 1.1. Applicability and Structure of the Business Terms and Conditions 1.1.1. These General Business Terms and Conditions for natural persons (hereinafter the Conditions ) apply to all legal relations arising in connection with the provision of banking products and services between the Client and the Bank. 1.1.2. The general conditions of the payment system are further governed by the Payment System Rules (hereinafter the Rules ). Certain technical conditions of the payment system are governed by the Bank s Technical Terms and Conditions (hereinafter the Technical Conditions ). 1.1.3. The contractual relations between the Bank and the Client arising from the individual specific banking products and services are further governed by the individual product business conditions for the relevant banking products or services (hereinafter referred to as the Product Conditions ), which may govern certain rights and obligations differently from these Conditions or the Rules. 1.1.4. In the event of discrepancy between the individual provisions of the Agreement, Product Conditions, Rules and these Conditions, or should they become incompatible, the provisions of the document which is mentioned as the first in this paragraph shall prevail. 1.1.5. The Conditions, Rules and the Product Conditions shall be Published and made available at the Establishments. The Bank shall provide a copy of these documents to each of its Clients at the Establishments any time during the Opening Hours. 1.1.6. These Conditions become effective as of 1 January 2014 and shall supersede the Citibank Business Terms and Conditions for natural persons that have been valid since 1 January 2013. However, the provisions of paragraph 12.1 become effective as of 31 December 2013. 1.2. Amendments to the Business Terms and Conditions 1.2.1. If there is a change in Legal Regulation, the conditions in the financial service markets, technologies or organizational processes or procedures in the provision of payment services, while taking the Bank s business policy into account, the Bank may modify or amend the Conditions, Rules or Product Conditions, especially in the area of payment procedure, the modification of the method of concluding, amending and terminating agreements, the rules of communication, the conditions of individual financial services, requirements for the establishment of the right to conclude transactions with the Bank, and information obligations. Such modification or amendment shall be Notified in Qualified Manner by the Bank to the Client no later than two months before the date on which the modification or amendment is to take effect. Unless the Client terminates the Agreement under paragraph 1.2.2, within this deadline, the new wording of the Agreement shall be binding on both parties. The Client shall be specifically notified by the Bank of this consequence in the notice of modification or amendment to the relevant business terms and conditions. 1.2.2. If the Client does not agree to the modification or amendment under paragraph 1.2.1, the Client may terminate the Agreement to which such modifications apply before the effective date of such modification. In such a case, the termination notice shall take effect immediately upon its delivery to the Bank. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 6

1.3. Modifications of the List of Charges 1.3.1. The Bank is entitled to modify the List of Charges from time to time. The provisions of paragraphs 1.2.1 and 1.2.2 above shall reasonably apply to any modification of the List of Charges which results in changes to interests during the provision of a certain banking service (e.g. loan, maintenance of an account) or in changes to prices pertaining to banking services provided to the Client repeatedly under a long-term relationship (e.g. bank overdraft, credit card). 2. CONFIDENTIALITY 2.1. The Bank is obliged to maintain confidentiality of all information relating to the banking transactions with the Client, including the financial services and cash balances of the Client with the Bank on the individual accounts and deposits (banking secrecy). 2.2. The Bank, as the administrator of the Client s personal data, is obliged to maintain and process the Client s personal data in accordance with Legal Regulations. Specific consent to the processing of personal data pertaining to the Client, or other Confidential Information, and handling thereof is granted by the Client to the Bank in the form of the Consent. Any revocation or cancellation of the Consent may result in the relevant banking products or services becoming limited or unable to be provided to the Client. 2.3. Information pertaining to the Client may be disclosed by the Bank to other persons only if allowed or required by Legal Regulations or subject to the prior consent of the Client granted to the Bank. The Bank shall maintain the confidential nature of such information even after the termination of the contractual relationship between the Bank and the Client. For this purpose, the Client explicitly: (a) grants the Bank, Citibank Group members and Representatives its consent to the processing of all data and Confidential Information, including the sharing of such information among the Bank, Citibank Group members and Authorities, obtained in connection with or for the purpose of the provision of any service by the Bank to the Client, or necessary for the compliance with all Legal Regulations or for the purposes of any law court, court proceedings, audit or investigation conducted by Authorities for the duration and also after the termination of the contractual relationship between the Bank and the Client; the Client s consent shall be effective regardless of any valid agreement between the Client and the Bank, Citibank Group members or Representatives prohibiting the processing of such data and Confidential Information, and the Client acknowledges that Confidential Information may be made available to the jurisdictions of other countries where the strict data protection or laws on the protection of personal data do not apply, (b) expressly agrees that the Bank may disclose the data pertaining to the banking service or the transaction to the person who - with respect to such service or transaction - is in the position of co-debtor, collateral provider or person whom the Bank negotiates with concerning the transfer of the Bank s rights and obligations under the Agreement with the Client. 2.4. The Client also agrees that the Bank verifies the data obtained about the Client, especially with Authorities, law courts, state administration bodies or the Client s employer, as long as the confidentiality of this information is maintained. 7 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

3. COMMUNICATION 3.1. Means of Communication 3.1.1. The Bank and the Client use the means of communication as agreed for various types of communication, and unless certain means of communication is explicitly agreed, they prefer written communication with the proof of delivery to the addressee (registered letter, personal delivery); however, the Bank also uses other means of communication (especially standard mails or E-mails) whenever it corresponds to the usual method of delivery in the banking industry. For communication which is not a notice addressed to a particular Client, the Bank uses the instance of Publishing. The Bank may require a particular method of communication. 3.1.2. The Bank and the Client also use for communication the Citibank Online, CitiPhone and CitiAlert services, under the terms and conditions specified in these Conditions and the Technical Conditions. These Conditions also specify and govern the scope to which the Bank uses these services for keeping the Client informed. Unless otherwise agreed, each Client for whom the Bank administers the bank account is entitled to use the Citibank Online or CitiPhone service. 3.1.3. Unless otherwise explicitly agreed, the Bank presumes that (a) The Client has unlimited 24/7 access to the Internet network and agrees to use the Internet network for communication with the Bank, and/or (b) by providing his/her E-mail address, the Client gives his/her consent to the Bank to provide the Client with all the available information via it. 3.1.4. The Client hereby acknowledges that the communication with the Bank through telecommunication means or through the Internet network, or disclosure or providing the information and services by these means may be affected by a defect, error or interrupted operation of the relevant communication means, delay in its operation or transmission, computer virus, unauthorized attack by a third party or a link or system failure. Notwithstanding any of the security element used by the Bank and the Bank s utmost effort to guarantee secure electronic access to banking products or provision or disclosure of the information and services on the Internet network, the Bank does not bear any responsibility for any damage resulting from such access or means of communication, unless the damage occurred through the Bank s failure to comply with its obligations. As opposed to the general legal regulations governing the conclusion of agreements, if the Bank proposes the conclusion or modification of an agreement, then any reply of the Client containing any amendment to or modification of the content of the proposal shall not be considered an acceptance of the proposal, unless specifically agreed otherwise. Any written confirmation of the content of an agreement that was not concluded in writing shall not affect the actual content of such an agreement, and this content shall not correspond to such a confirmation. 3.2. Delivery 3.2.1. The Bank delivers all and any notices and documents to the Client s last known or announced postal address, E-mail address, fax or phone number as provided by the Client for this purpose. The Client sends all notices and documents to the Bank s postal address or fax number specified in the Agreement or otherwise to GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 8

the postal address or fax number of the registered office of the Bank s branch (organizační složka) in the Czech Republic. Notice or document is deemed delivered to the Client at the moment when he/she has the opportunity to get acquainted with their contents (not necessarily getting actual knowledge of the contents), while the Bank and the Client agree that such a moment always occurs (unless some evidence to the contrary is shown): (a) on the date of successful transmission of the facsimile or E-mail to the agreed number or E-mail address, (b) on the date the Client refuses to collect a registered letter, (c) the third business day from sending mail to the address in the Czech Republic, (d) the fifteenth business day after sending mail to the address outside the Czech Republic. 3.2.2. Unless the Client raises any objection to the content of any notice, confirmation, statement or any notification delivered by the Bank in the ordinary course of business within 20 days (unless a longer period is specified by the Bank) in accordance with the complaint procedure of the Bank applying to natural persons, the Bank or the Client may rely on the accuracy and completeness of such content until the other party proves otherwise. 3.3. Representation 3.3.1. The Client may also negotiate with the Bank through his/her Attorney. The Attorney is obliged to prove his/her authorization to act for and on behalf of the Client by submitting the original or certified copy of the power of attorney, certificate of incorporation or any other public register, or other similar foreign register, proof of the existence of a legal entity, judicial decision or other document which the Bank would consider reasonably sufficient; the same also applies in relation to a husband, wife or a civil partner of the Client. 3.3.2. Unless otherwise stipulated by the Bank, each individual power of attorney or other authorization granted by the Client to his/her Attorney must be in writing, clear and sufficiently specific. The Client s signature appended to the power of attorney or other authorization must be officially authenticated or otherwise certified in a manner acceptable to the Bank. 3.3.3. The Client is entitled to revoke or alter the authorization of the Attorney from time to time; such a decision shall be immediately communicated to the Bank by the Client in writing. Revocation of or alteration to the scope of authorization are effective and binding on the Bank as of the moment when such a change is reliably ascertained by the same; this moment is deemed not to occur before the date on which the Bank has been duly presented with a written notice pursuant to the first sentence of this paragraph. 3.3.4. Where the Bank s business terms and conditions or any Agreements require any Client s consent the relevant provisions shall apply mutatis mutandis to the Attorney s consent. By accepting the authorization, the Attorney gives all such consents to the Bank. By appointing his/her Attorney, the Client declares that all such consents have been granted. 3.3.5. In the course of performance of the Agreement or deliveries in relation to the Agreement, the Bank is entitled to use the agents, suppliers or correspondence clerks who shall be deemed capable (both de iure and de facto) of performing or arranging for the issues concerning the Agreement or matters associated therewith. 9 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

3.4. Safety and evidence of communication 3.4.1. The Client agrees that any communication between him/her and the Bank will be recorded and stored using the technical devices that enable capturing, storage and reproduction of the communication. Client further agrees that the Bank draws up and archives for its own needs the copies of all papers, documents and other materials submitted by the Client to the Bank. 3.4.2. The Bank is entitled, at its own discretion, to request (a) a copy of any original document submitted by the Client to the Bank be officially authenticated, (b) foreign documents be officially authenticated or superlegalized or bear the Apostille within the meaning of the Hague Convention Abolishing the Requirement for Legalisation for Foreign Public Documents of 5 October 1961, and (c) documents in other than Czech or Slovak language be presented along with their official Czech translation provided that in such a case, the Bank shall exclusively use the appropriate certified Czech translation, and is not obliged to examine whether this certified translation corresponds to the version in its original language. 3.4.3. The Bank is entitled to request that the notices provided by the Client in other than written form be subsequently confirmed in writing within the period set out by the Bank. Until the Client submits this requested written confirmation the Bank shall not be obliged to proceed in accordance with such a notice. 3.4.4. The Bank is entitled to restrict or completely block any channel for remote communication between the Bank and the Client (including the CitiPhone or Citibank Online service), if it has suspicion that the safety of certain communication between the Client and the Bank through such communication channel was endangered, especially in the case of suspected misuse, loss or other threat against the Access Elements. 3.4.5. The Bank is not obliged to consider any notices submitted by the Client which are not, in the opinion of the Bank, adequately substantiated by supporting documents and supplemented with information required by the Bank. The Client shall bear all costs, damage or other loss suffered as a result of failure to properly and timely notice such changes, provision of false, misleading, false or incomplete information, and failure to submit supporting documents and information required by the Bank; in addition, the Client shall indemnify the Bank for any damage the latter may incur in relation to such failures. If the Bank has reasonable doubts as to the correctness or authenticity of the documents submitted by the Client in connection with the contractual relationship between the Bank and the Client, the Bank shall be entitled (but not obliged) for the sake of protection of the Client s funds to restrict the use of Client s rights associated with the relevant banking products and services. 3.4.6. If the Bank sends any consignment to the Client or a third party, whether upon the Client s Instruction or as a result of the Client s act or omission that is in conflict with his/her contractual or statutory obligations or beyond the common banking practice, the Client shall bear all risks of loss, damage or destruction of the consignment during the transport thereof. 3.4.7. If in doubt, the Client and the Bank shall presume that the records and documents stored by the Bank and generated in the course of normal operation during GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 10

provision of the banking services and products are decisive for determination of the mutual rights and obligations and are of decisive evidential value; this provision shall not apply if the Bank was presented an unambiguous evidence of their incorrectness. 3.5. Special terms and conditions of communication 3.5.1. When communicating with the Bank via telephone within the CitiPhone service, the Client shall enter his/her T-PIN code. The Bank may allow the Client to use the CitiPhone service without entering his/her T-PIN if the Client s identity has been authenticated using control questions and answers or in accordance with the required practice of the Bank valid at the time. 3.5.2. The Client may instruct the Bank to register the Client s mobile phone number. The Bank may at its own discretion regard the registered mobile number as means of identification of the Client for the purpose of CitiPhone. 3.5.3. When communicating with the Bank via the Citibank Online service, the Client shall use the following Access Elements: (a) user name, (b) chosen Password, (c) Security Key. When logging in the Citibank Online service for the first time, the Client shall use the number of his/her payment card issued by the Bank and the four-digit A-PIN. For specific procedures in using the Citibank Online service, see the Technical Conditions. 3.5.4.The Client shall ensure the minimum requirements concerning the data configuration and baud rate for proper operation of the Citibank Online service, as defined in the Technical Conditions. The Client hereby acknowledges that these conditions may vary depending on the development and demands of the new technologies and practices. 3.5.5. Activation or cancellation of the CitiAlert service shall be made in writing, via the Citibank Online or CitiPhone service. The current overview of the types of messages in CitiAlert is Published by the Bank. The Bank is not obliged to send the CitiAlert messages to the phone numbers with other country calling code than that of the Czech Republic or Slovak Republic. The fee applicable to the service is set out in the List of Charges. The Client is obliged to take measures to prevent any third party from accessing the contents of these messages. The Bank shall not be responsible for the protection of these messages, in the event of unauthorized access by a third party during the transmission or after delivery thereof. 3.5.6. By activating the CitiAlert service, the Client agrees to receive the information messages relating to his/her contractual relationship with the Bank at the E-mail address or phone number as announced by the Client to the Bank. Such messages are sent in the form of plain (unencrypted) messages (E-mails or SMS) and they may contain Confidential Iinformation, including information subject to the banking secrecy or other legal protection. 3.5.7. The Client hereby agrees that the Bank will use the Client s E-mail address or phone number, as announced by the Client, to provide the Client with information concerning the contractual relations with the Bank, for example: 11 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

information about approval of credit card application or activation or blocking of the payment instrument, in the form of plain (unencrypted) messages. The Client hereby acknowledges that in the case of unencrypted transmission, the Bank shall not be responsible for its content protection in the event of unauthorized access of third parties during the transmission or delivery thereof. 4. INSTRUCTION 4.1. The Bank performs certain services exclusively on the basis of Instructions, in accordance with its business terms and conditions of the Bank, relevant business practice and Legal Regulations. 4.2. Unless expressly agreed otherwise, the Client gives the Instruction to the Bank only in writing, by telephone under the terms and conditions of the CitiPhone service or electronically under the terms and conditions of the Citibank Online service. 4.3. The Bank is entitled to reject any Instruction, unless it reaches the Bank in the form, time limit and manner specified by the Bank or unless it contains the data specified by the Bank, or if the Bank has a reasonable doubt whether (a) the Instruction is clear, complete, correct and accurate, or if it is unambiguous under all circumstances, (b) the Instruction was submitted in a regular way by a duly authorized person, or has been duly approved by an authorized person, or (c) the Instruction complies with all the agreed requirements or those arising from the Legal Regulations concerning its contents or circumstances under which it has been submitted, (d) the execution of the Instruction by the Bank, a Citibank Group member or one of the Service Providers might violate the Legal Regulations or other relevant obligation applicable to them. 4.4. The Bank is also entitled to reject any Instruction in the event that an Event of Default occurred or there is a reasonable risk that the execution of such an Instruction may result in the Event of Default. The rejection of the Instruction shall be communicated by the Bank to Client or to a person that has submitted the Instruction to the Bank without undue delay. 4.5. If (a) there are grounds for rejection of the Instruction and the Bank decides not to reject the Instruction or (b) there are other reasons for which the Instruction cannot be executed without further steps, especially if the contents of the Instruction go beyond the usual scope or contents of the Instructions hitherto given by Client, The Bank is also authorized to postpone the execution of the Instruction until the reasons for the postponement cease to exist, particularly until the Client demonstrates that all conditions for executing the Instructions has been fulfilled. The postponement of the Instruction shall be communicated by the Bank to Client or to a person that has submitted the Instruction to the Bank without undue delay. 4.6. The Bank is authorized to postpone the execution of the Instruction or the provision of any other banking service for a period necessary to verify the data and facts listed in the documents handed over by the Client in this respect. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 12

4.7. In order to verify whether the conditions for the acceptance of the Instructions were fulfilled, the Bank uses a variety of technical and administrative procedures which may be adapted by the Bank to keep abreast of the development of communication tools and in response to specific conditions in providing the banking services and products, the shall always Publish such changes. 4.8. The Client may revoke or modify the Instruction until the moment when the Bank informs the person in favour or to the detriment of whom the Instruction is to be executed that the Instruction has been accepted, or until the Instruction is charged to account or executed by the Bank, whichever comes earlier. All expenses relating to such a revocation or modification of the Instruction are borne by the Client. The Bank shall not be liable for any damages or loss the Client might have incurred as a result of such a revocation or modification of the Instruction made by the Client. 4.9. The Bank only accepts the Instructions from the Clients on Business Day in usual Opening Hours. The date of receipt of the Instruction by the Bank shall be the date it is submitted by the Client to the Bank. If the Bank receives the Instruction outside the Opening Hours or towards the end of the Opening Hours (cut-off time) published according to the Rules, the Instruction is construed as received on the following Business Day. 4.10. If the instructions is submitted to the Bank via the CitiPhone or the Citibank Online service, the receipt date is the one when the Instruction, which is a payment order, was actually submitted (with no prejudice to the moment of receipt of the relevant payment order); all other Instructions submitted to the Bank via the Citibank Online or the CitiPhone are binding on the Bank on the latest the third Business Day following the date the Instruction was actually delivered to the Bank. 5. LIABILITY OF THE BANK 5.1. Bank shall reimburse the Client for any damage the latter may incur as a result of breach of the Bank s obligations under the Legal Regulations or the contractual arrangement with the Client. Nevertheless, if the Client through his/her culpable failure contributes to the damage (e.g. by failure to provide the necessary cooperation), the Bank shall not be obliged to reimburse the Client for the damage to the extent corresponding to the Client s involvement in the occurrence of the damage. The Bank shall not be obliged to reimburse the Client for damage to the extent that it could not be foreseen. Above all, the Bank is not obliged to compensate the Client for damage representing a lost profit of the Client or damage which does not arise as the immediate result of a breach of the Bank s legal obligation (consequential damage), unless the Client expressly notifies the Bank of the risk of such damage. 5.2. The Bank s liability for damages shall not arise if the damage occurred as a result of circumstances that were beyond control of the Bank and that prevent the same from fulfilling its obligations, and which is reasonably assumed not be foreseen or averted by the Bank at the time of the obligation, where such circumstances shall also include unexpected development in the financial markets, defective means of remote communication used by the Client or the Bank (e.g. defect on the Internet connection or software) and failures on any other technical devices through no fault of the Bank. Neither is the Bank responsible for any damage incurred due to the fulfillment of obligations required by the laws of the United States of America, the jurisdiction of the country in which the Bank or other Citibank Group members provide their services, or 13 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

any other jurisdiction, if the compliance with the relevant regulations is required for a proper provision of the given type of banking service. 5.3. Unless otherwise explicitly agreed, the Bank shall not be liable for any loss incurred by the Client as a result of shifts in the foreign exchange rates and interest rates during the provision of the banking products and services. 5.4. The Bank shall not be liable for a damage incurred by the Client as a result of execution of an Instruction submitted by the Client or in relation to any act made with reliance on any other Client s notice. The Client shall indemnify the Bank for any damage, liability, claim or costs (including counsel s fee), which the Bank has incurred in relation to its regular operation on the basis of the Client s Instruction. 5.5. The Bank shall bear no liability for any loss, damage, costs or expenses that the Client may incur in connection with the Bank following the Instruction submitted to the Bank using the Client s Access Elements (regardless of whether the Instruction was submitted by the Client him/herself, with or without his/her consent or authorization) and the Client agrees to indemnify the Bank for any loss, damage, costs, expense and charges (including the full amount of any counsel s fees) that the Bank may incur in relation to such an Instruction; this provision shall not apply to the Instructions which are payment orders. 5.6. If the Bank proceeds according to the Instruction, the nature of which typically requires that the Bank should employ a third party s service to execute the Instruction, the Bank shall be responsible for damage incurred by the Client in relation to the activities of such a third party if the selection of the third party was not made with due diligence; however, if the third party was selected by the Client, the Bank is not responsible for the damage at all. In this case, then, if it may strengthen the bargaining power of the Client in enforcing the loss indemnification from the third party, the Bank shall assign the relevant rights towards third party to the Client. 5.7. Beyond the notification obligations imposed on the Bank by Legal Regulation and beyond the obligations which the Bank expressly committed itself to contractually, the Bank is not obliged to inform the Client of the usual risks involved in the required banking service or banking product (e.g. risk of loss), nor of other facts that may be relevant to the Client s decision whether or how to require the particular service or product. 5.8. Should the Bank discover that any notice or confirmation delivered to the Client was incorrect as of the date of its issuance, it must notify the latter of this fact without undue delay; if such notification is made after the deadline specified in paragraph 3.2.2, the Client shall be entitled to request the Bank to substantiate such incorrectness. 6. CLIENT S COOPERATION 6.1. Identification and other information 6.1.1. Before entering into a contractual relationship with the Bank and for the duration of the same, the Client is obliged, whenever requested by the Bank, to provide the Bank with all the information necessary for the Client s proper identification and to prove his/her identity, or to provide additional information and documents in accordance with the requirements set out particularly in the legislation on money laundering and terrorist financing. The Bank may primarily GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 14

request the submission of a valid identity card, a second additional proof or identity or deeds and documents evidencing the facts alleged by the Client, as well as proof of origin and source of the funds or documentation of the purpose and nature of the intended, currently performed or already performed transaction. 6.1.2. Provision of individual banking services or products may be tied by the Bank to the submission of the requested documents, permits, licences and information by the Client, particularly in relation to discharging certain obligations by the Bank arising from Legal Regulation. 6.2. Communication safety 6.2.1. In communication with the Bank, the Client is to follow all the rules and procedures to ensure his/her proper identification and safety of the communication contents. The Client shall take all reasonable measures to protect the Access Elements and ensure they would not be disclosed to third parties, lost or stolen and to prevent falsification, fraud or misuse in connection with the use of the Access Elements. 6.2.2. If any Access Element is disclosed to a third party, lost, misused, stolen or made an unauthorized use of, or if a suspicion exists regarding the misuse or unauthorized use of an Access Element, the Client shall inform the Bank thereof via the CitiPhone service or in writing without undue delay and immediately stop using this Access Element. 6.3. Notification obligation 6.3.1. The Client shall promptly inform the Bank the change in his/her name or surname, permanent address, mailing address, phone number, E-mail or any modification or termination of the power of attorney he/she issued and which the Attorney may act upon when dealing with Bank. The Client is also obliged to inform the Bank of any other facts, which may be important for its current or future ability to perform his/her obligations or which may have any other impact on the risks involved in providing the banking services and products to the Client, particularly the threat of insolvency, and any other contingency, e.g. loss, theft or misuse of the application forms, data carriers or means of communication or unauthorized use thereof. This obligation shall also apply to the data which is available and apparent from the public domain. 6.3.2. Upon execution of the relevant Agreement, the Client is obliged to inform the Bank of any facts which establish a special relationship between him/her and the Bank or between him/her and another member of the Citibank Group, primarily the information about relations to the statutory body members or the senior executives. In addition to these duties, the Client is obliged to perform other notification obligations that arise from the general Legal Regulations (e.g. in connection with the exchange rules or regulations on measures against money laundering and financing of terrorism). 6.4. Preventing the communication errors 6.4.1. All and any Instructions or notices, delivered to the Bank by the Client, shall be clear and indisputable as to their contents. In case of any ambiguity, the Bank is entitled to seek confirmation of the contents of such an Instruction or notice by the Client, which may lead to a delay in their implementation. The client must pay particular attention to the correctness of any of the figures, especially 15 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

the bank account number, IBAN and BIC. If the communication is a repetition of the previous Instruction or notice, confirmation or change thereof, these Instructions or notices must be specifically identified as such. 6.4.2. The Client must always without undue delay get familiar with the contents of every message delivered by the Bank (including the messages sent via CitiPhone or Citibank Online). As regards the statements of bank or asset accounts, credit or card accounts, payment confirmations, accepted or executed Instructions confirmations and similar messages, the Client is obliged to check the data contained therein as to their accuracy and completeness and to immediately advise the Bank of any discrepancies found. The Client shall without undue delay notify the Bank of any failure in the delivery on usual time of regular account statement or other similar periodic communication. 6.5. Assessment 6.5.1. With reference to its legal duty to act prudently in providing the banking services and products, the Bank is entitled prior to the conclusion of the Agreement, and at any time during the contractual relationship, to assess the ability of the Client, his/her co-debtors or guarantors, to fulfil their obligations. The Client is obliged to provide the Bank with all the cooperation, which may be requested, primarily to communicate the information and make available all the documents required by the Bank or to arrange for the Bank the access to the necessary information and documents. 6.6. Transaction rejection and account closing 6.6.1. The Client expressly agrees to the blocking of any payment or transaction in connection with the Client s bank account where such a payment or transaction might result in the Bank, a Citibank Group member, the Payment Infrastructure Provider or one of the Service Providers being in violation of any requirement under FATCA, IGA, any FFI Agreement, any similar national or international legal requirement or any other similar agreement. 6.6.2. The Bank or the Client may, at any time, close the Client s account subject to meeting the condition set out in the Legal Regulation governing the method of notification of such act. 7. SET-OFF 7.1. The Bank may at any time set off its overdue claims towards the Client regardless of the currency in which they are denominated and of the legal relationship from which they arise, against any claims of the Client to the Bank, whether due or not, including the claims kept by the Bank on any of the accounts. 7.2. If an Event of Default occurs, the Bank may at any time set off its undue claims to the Client analogously as per paragraph 7.1. 7.3. The Bank reserves the right to debit any of the Customer s account held at the Bank with any of its claims to the Client, in particular the amount of Fees and amounts previously credited to or discounted from the Client s account, especially in connection with the acceptance of promissory note, checks and GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 16

similar instruments for collection if these amounts are not properly and timely paid by the relevant third parties. 7.4. The Client is entitled to set off his/her due and undue claims to the Bank regardless of the currency in which they are denominated, in the event that: (a) the Bank is insolvent, (b) the relevant claim was granted by a final court decision or the arbitration decision and was not duly and timely paid by the Bank, or (c) existence of the relevant claim was acknowledged by the Bank but not duly and timely paid by the same. 8. INTEREST, EXCHANGE RATES, WITHHOLDINGS, FEES, INDEMNIFICATION AND REIMBURSEMENT OF EXPENSES 8.1. Interest 8.1.1. The interest rate shall be determined in the relevant Agreement or Published in the List of Charges or the Interest Rate Sheet pertaining to the particular banking product, either as a fixed interest rate or a variable interest rate. Unless otherwise expressly specified, the interest rate is stated as annual (p.a.). The interest rate arranged directly in the Agreement always takes priority over the rate Published in the List of Charges or the Interest Rate Sheet. 8.1.2. If the Client is in default with payment of any sum of money to the Bank, he/she shall be obliged to pay the late interest at the amount specified in the relevant Agreement or List of Charges, or otherwise as provided for in Legal Regulation. 8.1.3. If agreed, the Bank may request a contractual penalty or a violation fee specified in the List of Charges from the Client who has breached his/her contractual obligations to the Bank. Unless otherwise explicitly agreed and in addition to the contractual penalty or the violation fee, the Bank may request the Client to indemnify the former entirely for damages due to breaching the obligation which the penalty or the fee pertains to. 8.1.4. If an Event of Default occurs and the Agreement is subsequently terminated between the Client and the Bank, the Bank shall be entitled to charge the Client the relevant interests for the due but unpaid claims, with the interest rate specified in the List of Charges or the Interest Rate Sheet. The authorisation of the Bank mentioned in the previous sentence shall survive the termination of the Agreement. 8.2. Exchange rates 8.2.1. The Bank performs the conversion between various currencies using the foreign exchange rates announced by the Bank in the List of Foreign Exchange Rate. The foreign exchange rates announced by the Bank are based on the reference exchange rates. The Bank may, unilaterally and without prior notice, at any time amend the announced foreign exchange rates if such a change is based on the altered reference exchange rates. Information on the amended foreign exchange rate shall be Published by the Bank at the latest at the moment the changed foreign exchange rate becomes effective. 17 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

8.2.2. If for any reason a payment transaction is made in a currency other than the one in which the banking service should be provided (in particular the loan or account currency) the conversion of currencies shall be made according to the List of Foreign Exchange Rate valid at the time of the execution of the payment transaction, the conversion of Czech Crowns into another currency shall use the foreign currency exchange rate SELL, while the conversion of another currency into Czech Crowns shall use the foreign currency exchange rate BUY, and the conversion between two foreign currencies shall use the foreign currency exchange rate MEAN. This provision shall be used analogously for setting off two claims in different currencies. 8.2.3. Where executing a Payment Transaction via the Citiphone service or where executing a Payment Transaction based on a Payment Order issued via an Establishment involves a conversion between currencies, the transaction order may only be issued up to the amount which the Bank Publishes (or equivalent thereof in other currency). For any higher amounts the Bank reserves the right not to execute such a payment or convert the currencies at a foreign exchange rate other than the current rate according to the Bank s List of Foreign Exchange Rate, with regard to current exchange rate developments on the financial market, if such a foreign exchange rate is more favourable for the Client. 8.3. Deductions and Withholdings 8.3.1. All payments which the Client is obliged to make in favour of the Bank shall be free from any deductions due to tax or other obligations, including the withholding taxes at the source or tax advances, unless such deduction is requested from Client by the relevant legislation. If there is such a requested deduction, the amount payable by the Client shall be increased so that after the deduction the Bank receives and is allowed to hold a net amount that is equal to the one it would have received and would have been allowed to keep, if the said deduction had not been made. As regards the payments made by the Bank to the Client, the Bank is not obliged to carry out the increase in the amount for the deductions due to tax or other obligations. 8.3.2. The Client agrees that the Bank and Citibank Group members may withhold or deduct the Collected Amount which is required be withhold or deducted to comply with Legal Regulation with respect to any payment to the Client or transaction to the credit or debit of the Client s account or any other account. Any Collected Amount shall be timely paid to the relevant Authority in accordance with the relevant requirement. The Client must be notified of such withholding or deduction of the Collected Amount immediately. The Client acknowledges that neither the Bank nor any other Citibank Group member will be obliged to reimburse the Client for any amounts withheld or deducted by the Payment Infrastructure Provider. 8.3.3. The Client acknowledges that the Bank, Citibank Group members or any Service Providers have no obligation to contest any demand made by any Authority to make the above payments. 8.3.4. The Bank makes respective tax deductions at source and tax advance payments in accordance with Legal Regulations, unless the respective agreement on the prevention of double taxation provides otherwise and the Client submits to the Bank a confirmation of his/her tax domicile to which the agreement on the prevention of double taxation applies and other documents which the Bank will require in this respect. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 18

8.4. Satisfaction of claims order 8.4.1. If the Bank has several payable claims against the Client, the funds which the Bank receives or collects from the Client or any third party to the account of the Client without specifying the debt the funds are to cover, or the funds which the Bank acquires from the collateral realization, will be used to cover such payable claims against the Client in a manner and in order determined by the Bank. The funds designated to cover a specific debt may be used by the Bank to pay the principal and the accessories of the debt in order determined by the Bank, while debt accessories include fees and costs incurred in connection with the banking service from which the main debt arose. 8.5. Fees 8.5.1. The Client is obliged to pay for banking services and products Fees under the relevant Agreement or the List of Charges valid as of the day the service or product is provided, unless any other day is stipulated in the List of Charges or the Agreement for determination of the Fee. 8.5.2. Unless otherwise agreed between the Client and the Bank, the Fees are due and payable as of the day stipulated in the List of Charges or the relevant Agreement. 8.6. Indemnification and reimbursement of expenses 8.6.1. The Client is obliged to pay the Bank the following items: (a) all and any costs and expenses incurred in connection with the Event of Default and/or (b) any extraordinary costs and expenses reasonably incurred by the Bank in relation to the banking service or product and which were induced by the Client or through the circumstances on the part of the Client (particularly notarial, judicial, administrative and other fees, cost of documentation, counsel s fee, service fees for experts, tax and economic advisors, translators and interpreters). 8.6.2. The Client is obliged to reimburse the Bank, Citibank Group member or any Service Provider for any costs and expenses incurred by the Bank, Citibank Group member or any Service Provider if the Bank, Citibank Group member or any Service Provider used or uses or will have to use their own funds to make a payment to the credit of an Authority which should have been but was not a Collected Amount under paragraph 8.3.2, including any interests and penalties with respect to such costs and expenses. 9. EVENTS OF DEFAULT AND TERMINATION 9.1. Events Of Default 9.1.1. The Bank is authorized to adopt specific measures, as defined below, if any of the following Events of Default occurs: (a) the Client breaches any of his/her obligations under the Agreement with the Bank or with any other member of the Citibank Group; (b) the Client is in default with discharging any of his/her debts (financial or nonfinancial) to the Bank or to any other member of the Citibank Group; 19 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

(c) if it comes to light that the representation made by the Client to the Bank was false, incorrect or materially incomplete at the time it was made; (d) the Client has not established or failed to top up the required collateral or otherwise failed to meet the contractually agreed conditions of collateral; (e) The Client has not complied with any notification obligation to the Bank under any agreement or other arrangements or under the Legal Regulation or has failed to identify the source of his/her funds or the purpose of the payment transaction; (f) mutual confidence between the Client and the Bank has been seriously undermined as a result of fraudulent or unethical behaviour of the Client; (g) the Client is insolvent or is threatened with insolvency or measures have been taken to initiate the insolvency proceedings or an event occurred that would have a similar effect as those mentioned in this article in accordance with foreign legislation if such legislation is applicable to the assessment of the particular event; (h) the Client has announced his/her intention to stop the discharging of any of his/her obligations or has entered into negotiations with his/her creditor(s) concerning the postponement of the maturity of any of his/her debts; or (i) based on the circumstances on the part of the Client, the fulfilment of the Bank s obligations under the relevant Agreement becomes impossible or illegal for the Bank, due to existence of relevant Legal Regulation applicable to the Bank or the Citibank Group. 9.2. Some consequences of the Event of Default 9.2.1. If an Event of Default occurs, the Bank shall be entitled to adopt one or more of the following measures: (a) to require immediate payment of all or any of the Client s debts to the Bank under any contractual relationship between the Bank and the Client in the order specified by the Bank (including all the payment transactions which the Client performed through the relevant Payment Instrument and which have not been charged to account), (b) to make set-off as per paragraph 7.2, (c) to suspend or limit the provision of banking products and services to the Client until the Event of Default is removed and/or its consequences eliminated, or (d) to request the Client to take steps aimed at removal of the Event of Default or causes thereof, in addition, the Bank may also set out a specific procedure whereby the Client is obliged to achieve a desired state. 9.3. Withdrawal from the Agreement 9.3.1. The Bank is entitled to withdraw from the Agreement with immediate effect if (a) an Event of Default occurs or (b) the Client fails to comply with measures imposed by the Bank as per item 9.2.1 (d). 9.3.2. If the Agreement was concluded by means of remote communication, the Client shall be entitled to withdraw from the Agreement without giving a reason thereof within 14 days from the conclusion of the Agreement; if he/she was not provided with information to the extent required by the Civil Code, before the conclusion of the Agreement, he/she shall be entitled to withdraw within 14 days from the day on which the information was additionally provided by the Bank. If the information is found to be misleading, the Client shall be entitled to withdraw GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 20

from the Agreement within 3 months of the date on which the Client found out or should have or could have found out the above. 9.4. Termination by notice 9.4.1. The Client and the Bank shall be entitled to terminate the Agreement by notice without giving any reasons thereof, in a manner specified in the Agreement or the Product Conditions. 9.5. Settlement after the Agreement termination 9.5.1. Unless otherwise agreed, the Bank and the Client, without undue delay after the termination of the contractual obligation, shall be mutually obliged to settle their rights and obligations arising from the Agreement and existing as of the date of termination of the contractual relationship, especially to pay all amounts due, including unpaid loans or any parts thereof. In this case, the Bank shall return a proportion of the price, Fee or other charges for banking services and products only if explicitly provided for by Legal Regulation or the Agreement. After the termination of the contractual obligation, the Client is obliged to return to the Bank, within the time limits established by the Bank, all entrusted objects and items, payment cards, unused checks, checkbooks and other forms and resources that were handed over to the Client by the Bank or a third party in relation to the provision of the banking service or product. 10. MISCELLANEOUS 10.1. Specific provisions pertaining to the Bank: 10.1.1. The Bank is entitled to reject to render the banking service in the event that this may lead to a conflict of interests between the Bank and the Client or between various Clients of the Bank, to a breach of the Bank s legal duty to act prudently or to any other violation of Legal Regulation binding on the members of the Citibank Group. 10.1.2. All and any obligations shall be discharged by the Bank exclusively in the registered office of its branch (organizační složka) in the Czech Republic, or through its Establishments in the Czech Republic, to the maximum possible extent as permitted by the applicable legislation of the Czech Republic and individual acts binding on the Bank. 10.1.3. The Bank is entitled, for reasons that are worthy of special consideration, to limit the operation of or close all or some of its Establishments for the most necessary period. The same applies mutatis mutandis to the channels of remote communication with the Clients, including the CitiPhone or Citibank Online services. Information about temporary closure or limitation of its operations shall be Published by the Bank in an appropriate manner. 10.1.4. The principal activity of the Bank is the provision of financial and investment services. 10.1.5. The Bank does not provide the Client with any legal, accounting or tax counselling, unless otherwise explicitly specified in the Agreement. 21 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

10.2. Blocking the CitiPhone and Citibank Online services 10.2.1. The Bank is entitled to block the CitiPhone or the Citibank Online service: (a) if the available balance of the account to which CitiPhone or Citibank Online has been established drops below the determined minimum balance or reaches an unauthorized debit; (b) if the amount of a payment transaction effected via CitiPhone or Citibank Online exceeds the limit permitted for this service; (c) for CitiPhone or Citibank Online security reasons, especially if a suspicion exists regarding the loss, theft, misuse or unauthorized use of an Access Element (for example, if the Bank is unable to contact the Client, if the frequency or amounts of payment transactions exceed usual volumes, if the CitiPhone or the Citibank Online service is used from an unusual location, or if the Bank suspects that Access Element protection may have failed); (d) in response to a significantly increased risk of the Client being unable to repay the loan that can be drwn through CitiPhone or Citibank Online (for example, if the Client is entered in the any debt register as a client with overdue debts; if the Client defaults on the payment of any loan product provided by the Bank; if the Client s credit lines have been frozen by the Bank etc.); or (e) if the Bank is authorized to take such steps according to other provisions of these Conditions. 10.2.2. Prior to blocking CitiPhone or Citibank Online services, or - where this is not possible - immediately following such blocking, the Bank shall inform the Client of the fact that the service has been blocked and the underlying reasons for this action. This shall not apply where providing such information might thwart the purpose of blocking or would be in conflict with any Legal Regulation. As soon as the reasons for blocking cease to exist, the Bank shall be obliged to re-activate the service. 10.3. Several persons on the Client s part 10.3.1. If there are several persons representing the Client or the collateral provider in a contractual obligation as bound or authorized persons and unless otherwise expressly stated in the relevant agreement, these persons are obliged and entitled under such an agreement jointly and severally. In this case, the Bank shall discharge its obligation if it provides the contractual performance in its entirety to any of these persons even if the performance is divisible; the same also applies in relation to any other obligation of the Bank (e.g. information obligation). The jointly obliged parties undertake to inform one another without undue delay about all facts essential to the contractual relationship with the Bank. 10.4. Language 10.4.1. The Client communicates and enters into Agreement with the Bank in Czech. In individual cases the Bank may agree with the Client on the communication or the Agreement concluded in English, Slovak or any other language. If any Agreement is concluded in Czech and other language(s), the Czech version of the document shall prevail over the others, unless otherwise stipulated in the relevant document. 10.5. Governing Law 10.5.1. Unless otherwise agreed in writing between the Bank and the Client, all contractual obligations shall be governed by the laws of the Czech Republic. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 22

10.5.2. The Bank shall follow the laws of the Czech Republic also with respect to the determination and recognition of the public holidays and weekends. 10.6. International agreements and conventions 10.6.1. All rights and obligations arising from agreements between the Client and the Bank shall be governed by duly published international treaties and bank practices as long as they are not in contravention of the Czech law. Where such an international agreement and practice differ from the provisions of the Conditions, Rules, Product Conditions and/or the Agreement or are in contravention of these provisions, the provisions of these Conditions, Rules, the Product Conditions or the Agreement shall prevail. 10.7. Settlement of disputes, local court jurisdiction, supervisory authorities 10.7.1. The Bank and the Client shall endeavour to settle all legal disputes resulting from their legal relationships through mutual negotiations conducted in good faith and shall attempt to avoid the court proceedings. 10.7.2. Unless otherwise agreed with the Bank in writing or unless the relevant Legal Regulation sets out exclusive local court jurisdiction, the disputes arising from the contractual relationships between the Bank and the Client shall be heard and subject to the jurisdiction of the following courts: (a) District Court for Prague 1 or its legal successor if the county court has jurisdiction in accordance with Legal Regulation, or (b) Municipal Court for Prague or its legal successor if the regional court has jurisdiction in accordance with Legal Regulation. This arrangement on local jurisdiction covers all the Clients regardless of their citizenship or place of residence. 10.7.3. Without prejudice to the foregoing provision, the Bank shall be entitled at its discretion - if being the petitioner in non-adversary proceedings and the plaintiff in adversary proceedings - to initiate the proceedings or file an action, not only with the court of the Czech Republic, but also with any foreign court with local jurisdiction over the Client. 10.7.4. The Client is entitled, if there is no dispute between him/her and the Bank arising from or in relation to (a) provision of the payment services, or (b) offering, providing or brokering the consumer loan within the meaning of Act No. 145/2010 Coll. on Consumer Loans and the Amendment to Certain Other Acts, as amended, to bring the dispute and proposal for settlement thereof in front of the financial arbitrator acting pursuant to Act No. 229/2002 Coll., on Financial Arbitrator, as amended. 10.7.5. The Client may also file his/her complaint about the banking services with the Czech National Bank, with registered office at Na Příkopě 28, 11503, Prague 1, or The Central Bank of Ireland, with registered office at Dame Street, Dublin 2, PO Box 559, Ireland. The Czech National Bank and The Central Bank of Ireland are responsible for supervision or government control over the Bank operations. 10.8. Severability 10.8.1. Should any provision of the Agreement (including any provision of the relevant business terms and conditions) be or become or be held invalid, ostensible or unenforceable in the competent jurisdiction, it shall affect (to the largest extent 23 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

allowed by the general legal regulations) neither the validity and enforceability of the remaining provisions of these documents in such jurisdiction nor the validity or enforceability of such provisions of these documents in any other competent jurisdiction. 10.8.2. In such a case, the Parties undertake to replace such invalid, ostensible or unenforceable provisions with valid and enforceable ones, with meaning and effect best corresponding to the original intention of the provisions to be replaced and acceptable under the applicable legal regulations. 10.9. Complaints 10.9.1. Any errors, defects or discrepancies in the provision of banking products and services by the Bank shall be claimed by the Client immediately after their discovery. The complained facts shall be furnished with and supported by credible evidence. 10.9.2. The Clients complaints shall be handled by the Bank as per the complaint procedure for the natural persons, as Published by the Bank. 10.10. Assignment of rights and obligations 10.10.1. The Client shall not be entitled to transfer or assign any of its rights or obligations under this Agreement to any third party without the Bank s prior consent in writing. 10.10.2. The Bank is entitled, without seeking the prior consent of the Client, to transfer or assign any of its rights or obligation or to assign a claim under the Agreement or to assign the entire Agreement to any of the members of the Citibank Group or a bank or a financial institution based in a member state of the European Union. If necessary for the purpose of compliance with the Bank s legal duties where any of the Events of Default occurs, or if the local law prohibits or materially restricts the Bank from complying with FATCA, any IGA, any FFI Agreement, any similar national or international legal requirement or any other similar agreement in respect of the Client s account, the Bank shall be entitled, without seeking the prior consent of the Client, to transfer or assign any of its rights or obligations or to assign a claim under the Agreement or to assign any Agreement to any third party. 10.10.3. The Bank shall notify the Client of such assignment or transfer of rights and obligations under paragraph 10.10.2 in accordance with the Legal Regulations and the Agreement. 10.11. Provision of the services to the Client abroad 10.11.1. If, due to the Client s citizenship, tax residency, domicile or residency, or as a result of using the Bank s services by the Client, the Client is subject to other than the Czech legislation (including but not limited to foreign tax, exchange and equity regulations), then the Client is solely responsible for adhering to such foreign legislation and compliance with other applicable payment and notification obligations arising from such regulations. 10.11.2. The Bank is not obliged (but is entitled) to discharge its duties under the Agreement or may limit the provision of certain services if the Client s postal (delivery) address, as announced to the Bank by the Client or the Attorney, is located abroad (i.e. outside the Czech Republic). GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 24

11. INTERPRETATION 11.1. General 11.1.1. Terms mentioned in these Conditions with initial capital letters have the meaning set forth in this article; the same shall not apply if the context of the contractual provisions clearly implies that the relevant term has a different meaning. Unless any specific definition of certain term is mentioned in other business terms and conditions of the Bank or in the Agreement, the term shall have the meaning specified in these Conditions. 11.1.2. The headings of the articles hereof or in other business terms and conditions of the Bank are only for ease of reference within the text; and the interpretation of such business terms and conditions or other contracts or agreements between the Bank and the Client, which refer to such business terms and conditions, shall not give consideration thereto. 11.1.3. Unless otherwise expressly specified, all references to the individual articles and paragraphs refer to the respective articles of these Conditions. 11.2. Definitions Bank means Citibank Europe plc, a company established and existing under the laws of Ireland, with its registered office at North Wall Quay 1, Dublin, Ireland, registered in the Company Register in the Irish Republic under No. 132781, conducting its business in the Czech Republic through is branch Citibank Europe plc, organizační složka, with its registered office at Prague 5 - Stodůlky, Bucharova 2641/14, postal code 158 02, ID No. 28198131, incorporated in the Company Register administered by the Municipal Court in Prague, Section A, File 59288. Security Key means a one-time authorization code enabling access to Citibank Online or Citi Mobile services sent as an SMS to the mobile phone number registered by an authorized person at Citibank or generated by hardware equipment (if the Bank supports the use of such equipment). CitiAlert means an SMS or an E-mail message sent to the Client by the Bank. This service allows the Client to be informed of important facts concerning the Client s account, payment card or any other product or service. Citibank Online means a banking service for communication between the Bank and the Client via the Internet (Internet banking). CitiPhone means a banking service for communication between the Bank and the Client via phone (Telephone banking). Confidential Information means information obtained by the Bank, Citibank Group members or their Representatives in the course of provision of services and maintenance of accounts with respect to the Client including his/her personal data, bank account information, transaction information, and any other information 25 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

marked as confidential by the Client, or information which can reasonably be deemed confidential. E-mail means an electronic message sent via the Internet or any other computer network. E-mail address means the address of the electronic mailbox to which the Client receives E-mails. FATCA means the provisions of Sections 1471-1474 of the United States Internal Revenue Code and any associated regulations. FFI Agreement means any agreement concluded in accordance with the implementation of FATCA or IGA with the US Internal Revenue Service, the Government of the United States and any other Authority. Password means an identification code chosen by the Client, the code is used for accessing the Citibank Online service. IGA means any intergovernmental agreement between the US and any other jurisdiction, or any treaty, law, regulation or other official guidance relating to an intergovernmental agreement between the US and any other jurisdiction, which (in either case) facilitates the implementation of FATCA. Instruction means order or instruction for a particular act or omission issued to and intended for the Bank. Website means the website www.citibank.cz any other appropriately notified website of the Bank. Client means a natural person, who is not an entrepreneur (or a natural person assigned to this category by the Bank), and has entered into negotiations with the Bank about the Agreement or entered into the Agreement with the Bank; in the individual contractual arrangements concerning the banking products and services the term Client may be replaced with terms like Applicant, Co-applicant, Cardholder, Person with access right (holder) or similar expressions. List of Foreign Exchange Rates is a list of foreign exchange rates used by the Bank and Published as such. (to) Notify in Qualified Manner means that the Bank will provide or make available information or a required document to the Client in the following manner (or all or a combination of several of the methods specified below): (a) written notification delivered in accordance with paragraph 3.2, (b) electronically via Citibank Online and/or via the recipient s e-mail box; (c) on a CD, DVD or other permanent data carrier. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 26

Conditions shall have the meaning stipulated in Article 1.1.1 herein; Fees mean rewards, commissions, expenses, penalties and other charges specified in the List of Charges or other document referenced by the Agreement valid on the date such rewards, commissions, expenses, penalties and other charges or the charges and costs agreed in the relevant Agreement fall due; Payment Infrastructure Provider means a third party forming a part of the global infrastructure of payment systems including, but not limited to, communication, settlement or payment systems of intermediatry or correspondent banks. Service Providers mean a third party appointed by the Bank, a Citibank Group company or Representative to provide service(s) other than the services of the Payment Infrastructure Provider. These may be the providers of technologies, business processes outsourcing or call centres. Business Day means a day (excluding Saturdays and Sundays) when banks are open for normal operation in the Czech Republic. Rules have the meaning set out in paragraph 1.1.2. Legal Regulation means any national or international public or private regulation or any agreement concluded with Authorities or among them. Product Conditions have the meaning set out in paragraph 1.1.3. Opening Hours means the regular opening hours defined by the Bank for dealings with the general public. For purposes of providing the payment services under Act No. 284/2009 Coll., on the payment system, as amended, Opening Hours mean the part of a particular day when the Bank usually carries out the operations necessary for the completion of the particular payment transaction. Establishment means the branch office of the Bank, which incorporates the publicly accessible areas in which the Bank offers or provides banking services and products. Event of Default means any of the events referred to in paragraph 9.1.1 or other cases stipulated in the contracts or agreements between the Bank and the Client. Access Elements personalized security elements (passwords, codes, etc.) intended to identify the Client during communication with the Bank via electronic means of communication (especially via CitiPhone and Citibank Online services), including registered mobile phone number. 27 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

List of Charges means a list of charges pertaining to the specific banking product or service, as Published by the Bank or referenced in the relevant Agreement. Citibank Group means Citigroup Inc. or any entity directly or indirectly controlled by Citigroup Inc. Agreement means a contract or agreement entered into between the Bank and the Client in connection with the relevant banking service or product, where a portion of the Agreement may also be determined by a reference to the Bank s business terms and conditions. Consent means a voluntary consent of the Client in writing through which the Client agrees with the collection and processing of personal data in accordance with the provisions of Act 101/2000 Coll., on Personal Data Protection and the Amendment to Certain Other Acts, as amended. T-PIN means a numerical personal identification code chosen by the Client for the CitiPhone service; by using this code the Client proves their authorization to effect CitiPhone operations. Interest Rate Sheet is a list of interest rates for products offered by the Bank as Published by the Bank. Authority means any respective competent regulatory, tax, prosecuting or governmental office in any domestic or foreign jurisdiction. (to) Publish means that the Bank will provide or make available information or a required document in the following manner (or all or a combination of several of the methods specified below): (a) publishing on the Website (b) publishing at the Establishment. Collected Amount means an amount collected for or on account of, or which represents, withholding, income tax, value added tax, tax on the sale or disposition of any property, duties or other lawfully collected amount. Representatives mean officers, directors, employees, agents, representatives or advisors of the Bank and the Service Providers. Attorney means a person granted a power of attorney or other authority by the Client to represent the same vis-à-vis the Bank. GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS 28

12. TEMPORARY PROVISIONS 12.1. Subjecting the obligations under the Agreement to a new legislation With respect to the change in relevant legal regulations, the Bank and the Client agree that as of the effective date of Act No. 89/2012 Coll., Civil Code, the rights and obligations under the Agreements the conditions of which are governed by the Business Terms and Conditions for Natural Persons effective as of 1 January 2013 until 1 January 2014 shall after that be governed by Act No. 89/2012 Coll., Civil Code, to the extent in which such effect does not occur directly under relevant legislation. 29 GENERAL BUSINESS TERMS AND CONDITIONS FOR NATURAL PERSONS

PAYMENT SYSTEM RULES Valid and effective from 1 January 2014 Citibank Europe plc, organizační složka PRAGUE CZECH REPUBLIC

1. BASIC PROVISIONS 1.1.1. These payment system rules (the Rules ) govern certain rights and obligations of the Bank and the Client concerning the provision of payment services by the Bank. 1.1.2. Technical conditions of the payment system, including the description of the individual Payment Services, deadlines for their execution and methods for the Payment Order delivery will be Published by the Bank in the Technical Terms and Conditions (the Technical Conditions ). 1.1.3. Terms mentioned in these Rules with initial capital letters have the meaning set forth in Article 7; the same shall not apply if the context of the contractual provisions clearly implies that the relevant term has a different meaning. If these Rules specifies no definition of such a term, the term shall have the same meaning as defined in the General Business Terms and Conditions for Natural Persons issued by the Citibank Europe plc, operating in the Czech Republic through a branch Citibank Europe plc, organizační složka (hereinafter the Conditions ) or in other terms and conditions issued by the Bank. 1.1.4. These Rules shall only apply when the Bank provides a payment service in accordance with the Payment System Act. 2. GENERAL TERMS AND CONDITIONS 2.1. Payment Order 2.1.1. The Bank carries out the Payment Transactions based on the Client s Payment Order or other person authorised to submit the Payment Order in accordance with the nature of the individual Payment Transaction. The Payment Order may also be submitted as standing, in which case the Bank executes the Payment Transactions on the basis of such a Payment Order repeatedly, on the stipulated dates, cashless, with the same Payment Transaction amount, from the same payer s account and to the same payee s account. 2.1.2. The Payment Order shall primarily indicate the following: (a) Unique Identifier of the payment service user(s) (particularly of the Client), (b) Unique Identifier of the relevant account(s), and (c) the Payment Transaction amount and currency. 2.1.3. The Unique Identifier is: (a) for an account, the account number in the appropriate format (account number and the bank identification code, IBAN and BIC or other mark identifying the account in the payment system); (b) for a payment service user, ID number of the payment card or any other Payment Instrument he/she holds, birth number, identification number, or the Access Elements. 2.1.4. The Payment Order shall be issued to the Bank exclusively by one of the agreed methods and must be specific, clear and must comply with the other requirements set out by the legal regulations and the Agreement. The Bank is not obliged to verify the correctness of the data the statement of which is the responsibility of the Client. PAYMENT SYSTEM RULES 32

2.1.5. The Payment Transaction is authorised if approved by the payer, unless the applicable legal regulation provides otherwise. If the Client is in the position of the Payer, consent to the Payment Transaction must be given directly to the Bank. The Client shall give and submit the consent to the Payment Transaction to the Bank in any of the following manners: (a) for Payment Transactions made upon written Payment Order, by delivery of the Payment Order bearing a signature corresponding to the specimen signature kept by the Bank at any Establishment or in any other manner agreed upon or as stipulated by the Bank; (b) for Payment Transactions made via the CitiPhone service, by submitting the Payment Order during the phone connection, upon authentication of the Client with T-PIN or individualised question; (c) for Payment Transactions made via the Citibank Online service, by submitting the Payment Order after authentication of the Client with a unique user name, Password and a Security Key, or (d) for Payment Transactions made via other Payment Instruments, primarily via Cards, by (i) giving the A-PIN Code, (ii) signing the relevant confirmation of Payment Transaction with the signature corresponding to the one on the Card signature strip, (iii) communicating the relevant identification details of the Payment Instrument and the CVV or CVC code or 3D Secure Code to a relevant person or (iv) applying the Payment Instrument to a terminal accepting the payment instruments. 2.1.6. With direct debit, where the Client is in the position of a Payer, he/she shall not revoke its consent with the Payment Transaction after the end of the Business Day prior to the day agreed between the Client and the Payee as the day to debit funds from the Account. 2.1.7. In justified cases, the Bank is entitled to verify the consent to the Payment Transactions prior to accepting the Payment Order via a call-back. 2.1.8. Upon accepting of a Payment Order, the Bank assigns a reference number to each Payment Transaction. The Payment Transaction reference number is provided on the Account statement. Alternatively, the Client may learn this number using the Citibank Online or CitiPhone service. The reference number of a particular Payment Transaction must be provided in any communication with the Bank concerning the relevant Payment Transaction. 2.1.9. Payment Transaction limits are always agreed between the Client and the Bank. The Client must always specify the upper limit for the payments requested by the payee in which the Client is the Payer, either as a single Payment Transaction limit or a limit for a period of time agreed with the Bank. 2.2. Acceptance of the Payment Order 2.2.1. The Payment Order is effective towards the Bank if accepted by the Bank. The moment of the Payment Order acceptance is: (a) the moment when the Bank receives the Payment Order from the Client or upon request of the payee with respect to the Payment Transaction, (b) any other moment as specified by the Client in the event of the deferred Payment Order due date or 33 PAYMENT SYSTEM RULES

(c) for the purposes of Payment Transactions performed through Card, the moment the message containing the details of the relevant Payment Transaction reaches the Bank. 2.2.2. If the moment the Payment Order is received is outside the Opening Hours of the Bank or the Payment Order is received by the Bank after the lapse of moment towards the end of the Opening Hours (so called cut-off time ), specified by the Bank in the Technical Conditions, the Payment Order is deemed received at the beginning of the following Opening Hours of the Bank. To avoid any doubts, the Opening Hours or the cut-off time may vary according to the type of Payment Transaction or Payment Instrument. 2.3. Rejection of the Payment Order 2.3.1. The Bank may reject execution a Payment Order without any prior notice if: (a) The Payment Order fails to include the necessary particulars or has not been properly authorized; (b) the execution of the Payment Order is in conflict with the obligations imposed on the Bank by the generally recognised legal regulations; (c) grounds exist authorising the Bank to block the Payment Instrument; (d) the Client s Account lacks sufficient available funds; (e) the amount of the Payment Transaction as per the Payment Order exceeds the agreed limit for the relevant Payment Transaction (e.g. if the limit for the Card or Account to which the Card has been issued would be exceeded as a result of the execution of the Payment Order); (f) conditions are fulfilled for the rejection of the Instruction as defined in Article 4 of the Conditions; (g) the Payment Order is not submitted by a person authorised to submit the same; or (h) for the Payment Order at the request of the payee, the Bank is not provided the Client s consent to the Payment Transaction as per the relevant Payment Order. 2.3.2. A Payment Order is not accepted if the Bank rejects to execution of the particular Payment Order. If the Bank rejects to execution of a Payment Order, the Client will be informed of the same at the earliest opportunity in accordance with applicable laws and regulations unless the generally recognised legal regulations or the decision of a public authority preclude such a procedure. The Client is informed by the Bank about the rejection of the Payment Order in one the following manners: (a) notice via the Citibank Online service; (b) via the CitiPhone service; (c) via the CitiAlert service; (d) personally at the Establishment; or (e) by any other form, especially by notice on the Payment Transaction nonexecution confirmation or by displaying the notice on the screen of the ATM or the payment terminal used for the Payment Transaction which then failed to be executed as a result of rejected Payment Order. 2.3.3. If possible, the Bank shall inform the Client of the reasons for rejection of the Payment Order and the procedure to rectify the errors which resulted in rejection of the Payment Order. This shall not apply where providing this information or making it available is contrary to any generally binding legal regulation. PAYMENT SYSTEM RULES 34

2.3.4. The Client shall pay a fee according to the List of Charges for the information concerning the rejection of a Payment Order. 2.3.5. The Bank is entitled to determine that it will not carry out certain kinds of Payment Transactions and will Publish the decision in advance. 2.4. Revocation of the Payment Order 2.4.1. The Client is entitled to revoke the Payment Order only as provided for by the Payment Systems Act or by these Rules, and to do so in any of the following manners: (a) personally at any Bank Establishment, or (b) through the CitiPhone or the Citibank Online services, with the Client authenticated by the appropriate Access Elements; 2.4.2. Once accepted by the Bank, the Payment Order may not be revoked by the Client unless otherwise provided for by these Rules or Technical Conditions. 2.4.3. Where the Payment Transaction is initiated via the Payment Order issued by the payee or the Payer by proxy of the payee, the Client shall not revoke the Payment Order after submitting the Payment Order or giving the payee his/her consent to the Payment Transaction. Technical Conditions may set out special conditions for revoking certain types of Payment Orders. 2.4.4. The Payment Order submitted through the Card must not be revoked by the Client after (a) it has been accepted, or (b) the Payment Order or the consent to the Payment Transaction has been transmitted to the payee, whichever comes earlier. 2.4.5. Where the provisions of paragraphs 2.4.2 and 2.4.3 are contrary to the agreement between the Client, who is a Payer, and the Bank in connection with other than a payment service, such provisions of these paragraphs shall not apply. 2.4.6. If the Client requests the Bank to revoke the Payment Order at a moment when the revocation is impermissible according to paragraphs 2.4.2 and 2.4.3, the Bank shall be entitled to make every effort to revoke such a Payment Order. Nevertheless, the Bank shall bear no responsibility for the outcome of the steps taken in this respect. The Bank also hereby advises the Client of the risk that such a revocation may fail. Upon the Client s request, the Bank shall notify the Client of the outcome of the steps taken in this respect. The Client shall pay the Bank a fee according to the Bank s List of Charges for the efforts made by the Bank to revoke the Payment Order. 2.4.7. The revocation of the Payment Order shall not be governed by the provision of paragraph 4.1.6 hereof. 2.4.8. The Client shall pay the Bank a fee according to the Bank s List of Charges for any Payment Order revoked. 2.5. Execution of the Payment Order 2.5.1. The Bank shall execute the Payment Order, if there are no circumstances which would entitle the Bank to reject execution of the Payment Order. 35 PAYMENT SYSTEM RULES

2.5.2. The Bank and other payment service providers involved in the performance of the Payment Transaction are authorized to perform the Payment Transaction exclusively on the basis of data contained in the Payment Order. 2.5.3. The Bank informs the Client at least once in a month about the Payment Orders executed in the form of Account statement and in an agreed manner. With a Client who is not a consumer or a micro enterprise within the meaning of the Payment System Act, the Bank may arrange another frequency of informing the Client about the Payment Transactions. 2.6. Information on Payment Services and the Master Agreement 2.6.1. The Agreement is entered into in Czech, unless otherwise arranged with the Client. The Client may request the Bank to provide the content of the Agreement as well as any other information referred to in sections 81-85 of the Payment System Act. The Bank shall Notify this information to the Client in Qualified Manner and without undue delay. 2.6.2. At the request of the Client effecting that Funds are debited from the Account to effect a Payment Transaction, the Bank provides information as to the maximum time limit for effecting the Payment Transaction and the consideration the Client shall pay the Bank for effecting the Payment Transaction. 2.6.3. Unless agreed otherwise and where applicable to the given Payment Transaction in which the Client is the Payer, Payment Transaction information contains: (a) information allowing the Client to identify the Payment Transaction, and information, where applicable, as to the payee; (b) the Payment Transaction amount in the currency in which such amount was debited from the Client s Account or the currency used in the Payment Order; (c) information as to the consideration payable by the Client to the Bank for the effecting of the Payment Transaction and, if such consideration amount consists of several separate amounts, also an itemised list of such amounts; (d) where applicable, the foreign exchange rate applied by the Bank and the converted amount of the Payment Transaction; (e) the value date of the Payment Transaction amount debited from the Account or the date of receipt of the Payment Order and shall be indicated on the Account statement which shall be Notified to the Client in Qualified Manner. 2.6.4. Unless otherwise agreed and where applicable to the given Payment Transaction in which the Client is the Payee, Payment Transaction information contains: (a) the information allowing the Client to identify the Payment Transaction, and information, where applicable, as to the payer and other information submitted in connection with the Payment Transaction; (b) the Payment Transaction amount in the currency in which it was credited to the Account; (c) information as to the consideration payable by the Client to the Bank for the effecting of the Payment Transaction and, if such consideration amount consists of several separate amounts, also an itemised list of such amounts; (d) where applicable, the foreign exchange rate applied by the Bank and the Payment Transaction amount prior to this conversion; (e) the value date of the amount credited to the Account and shall be indicated on the Account statement which shall be Notified to the Client in Qualified Manner. PAYMENT SYSTEM RULES 36

2.7. Interest rates and foreign exchange rates 2.7.1. Unless otherwise stipulated, when the Bank converts currencies as part of a Payment Transaction, the Bank always uses the foreign exchange rate issued by the Bank and valid at the time the funds are credited to or debited from the Account. The current interest rates and foreign exchange rates are Published by the Bank. Detailed information concerning reference interest rates, including the index or the base and the relevant day for determining these rates are stipulated in the Interest Rate Sheet. 2.7.2. The Bank may at any time change the agreement on interest rates and exchange rates, unilaterally and without any prior notice, if such a change is based on a change to reference rates or foreign exchange rates. Changes in the interest or foreign exchange rates used in Payment Transactions shall be implemented and calculated in a neutral manner. Changes in the interest rates will be Published by the Bank. Any change in the interest rate or the foreign exchange rate that is more favourable to the Client may be applied without prior notice. 2.7.3. The foreign exchange rate for the Payment Transactions carried out via the Card in a currency other than Czech Crowns is determined in accordance with the relevant Product Conditions. 3. PAYMENT INSTRUMENTS 3.1. General 3.1.1. The Client is obliged to use the Payment Instrument in accordance with the Agreement, in particular, the Client shall: (a) immediately after obtaining the Payment Instrument, take all adequate measures to protect its personalized security elements, and (b) without undue delay, to notify the Bank or the person appointed by the Bank of any loss, theft, misuse or unauthorized use of the Payment Instrument. 3.2. Delivery of the Card and A-PIN Code 3.2.1. Unless otherwise agreed, the issued Card is sent via mail to the Client s address as agreed with the Bank. Upon collection, the Client shall check the consignment for integrity. If the consignment shows signs of tampering, the Client shall obtain from the carrier the certificate of delivery of damaged consignment and shall notify the Bank of the same. 3.2.2. The Card usually indicates the Card Number and the Client s name. The Card is typically secured by any of the following security features: chipset, hologram, signature strip bearing the Client s signature. The Card may be furnished with the identification data to allow visual, mechanical and electronic identification of the Bank and the Client. 3.2.3. The Client shall choose the A-PIN code for each Card via the CitiPhone or the Citibank Online service. With the A-PIN code, the Client proves its authorization to carry out the Payment Transactions or other operations via the Card. 37 PAYMENT SYSTEM RULES

3.3. Card handling and use 3.3.1. If the Card includes the signature strip, it shall be signed by the Client immediately upon the receipt of the Card. The signature serves as a signature specimen for Payment Transactions executed via the Card and is also one of the personalized security elements. 3.3.2. The Client shall keep the Card in a safe place, separate from personal documents, and protect it against loss or theft. The Client is also required to prevent its misuse and protect it from damage. The Client must take all adequate and reasonable measures to protect the A-PIN code, the Unique Identifiers of the Card and the personalised security elements of the same; in particular, the Client must not write the A-PIN on the Card or record it in a different manner; or keep the A-PIN along with the Card; or communicate the same to any third person. In addition, the Client must not share other security elements of the Card with any other person, unless sharing other personalised security elements is necessary for the Payment Transaction to be executed. 3.3.3. In the event of loss, damage or destruction of the Card or seizure thereof by a third party, the Client shall immediately notify the Bank of this fact. 3.3.4. Authorization of the Payment Transactions via the 3D Secure Code takes place with the Client submitting on the relevant website the Payment Order and entering the 3D Secure Code, which the Bank has sent after the Payment Order submission by the Client to the phone number predefined by the Client. The predefined phone number may not include other country calling code than that of the Czech Republic. The Bank shall not be responsible for the protection of the messages with the 3D Secure Code, in the event of unauthorized access of a third party during the transmission or delivery thereof. 3.3.5. The Bank is not obliged (but is entitled) to perform the Payment Transactions in which the payee is an Internet marketer supporting the authorization of the Payment Transactions through the 3D Secure Code, without the Client having authorized such a Payment Transaction through the 3D Secure Code. 3.4. Change of the A-PIN Code 3.4.1. The Client may request the A-PIN Cod of his/her Card be changed. The change may be requested and made through the Citibank Online or CitiPhone services. 3.5. Procedure and the obligation to provide information in the event of loss or theft of the Payment Instrument 3.5.1. In the event of the loss, misuse, theft or unauthorized use of the Payment Instrument, A-PIN code or any other personalized security elements of the Payment Instrument or if there is a suspicion regarding misuse or unauthorized use of the Payment Instrument, the Client shall inform the Bank thereof via the CitiPhone service or in person or in writing without undue delay. The Client shall provide all the data that is necessary for the Bank to unambiguously identify the relevant Payment Instrument. PAYMENT SYSTEM RULES 38

4. BLOCKING THE PAYMENT INSTRUMENT, NON-EXECUTION OF THE PAYMENT ORDER 4.1. Blocking the Payment Instrument by the Bank 4.1.1. The Bank shall be entitled to block the Payment Instrument at any time by reason of: (a) safety of the Payment Instrument, primarily if there is a suspicion of unauthorized or fraudulent use of the Payment Instrument; or a significant increase in the risk of the Client not being able to repay the loan which can be drawn via the Payment Instrument. 4.1.2. Before or immediately after (when the former is not possible) the Bank blocks the Payment Instrument, the Bank shall inform the Client of this action along with the reasons. This shall not apply when the provision of this information might thwart the purpose of blocking the Payment Instrument or would be in conflict with any generally binding legal regulations. Once the reasons the Payment Instrument were blocked are corrected, the Bank shall re-activate the Payment Instrument or replace it with a new one. 4.1.3. The Bank shall block the Payment Instrument without undue delay if the appropriate Client requests so. The Account owner is entitled to request the blocking of any Payment Instrument issued to his/her Account. 4.1.4. The Client is obliged to refrain from using the Payment Instrument or the Access Elements blocked by the Bank. 4.2. Non-execution of the Payment Order 4.2.1. The Bank is entitled, not obliged, not to execute the Payment Order: (a) if the available balance of the Account, which the Payment Order pertains to, drops below the established minimum slab amount or would drop below this amount through execution of the Payment Order, or exceeds to the unauthorized debit or would so exceed through execution of the Payment Order; (b) if the amount of a Payment Transaction effected via the Payment Order exceeds the limit permitted for the particular Payment Instrument; The aforementioned provisions are without prejudice to the Bank s right to reject the execution of the Instruction in compliance with the Conditions. 5. EEA TRANSACTIONS 5.1. Deadlines for the EEA Transactions 5.1.1. The Bank is obliged to ensure that the amount of the EEA Transaction is transferred to the payee s payment service provider s account by the deadlines specified in the Technical Conditions. 5.1.2. By virtue of paragraph 5.1.1, the time period commences upon the acceptance of the Payment Order for the execution of the EEA Transaction. 39 PAYMENT SYSTEM RULES

5.2. Bank s liability for an unauthorised EEA Transaction 5.2.1. If an unauthorized EEA Transaction is executed, the loss of which is not borne by the payer, the Bank shall be obliged to take the following measures immediately after the Client or other authorized person has informed the Bank of the same: (a) to reinstate the Account from which the amount of the EEA Transaction was debited to the state in which it would be if no such debit took place, or (b) to refund the amount of the EEA Transaction to the Client, should the said reinstatement specified in (a) above not be possible. For the purpose of this Article, the term immediately means a period of time that is objectively necessary for the Bank to be able to determine whether there was any effective unauthorised EEA Transaction executed and who is liable for it. 5.2.2. The Client shall bear any loss up to an amount of EUR 150 resulting from an unauthorised EEA Transaction (if the Payment Transaction is in a currency other than EUR, it shall be converted using the foreign exchange rate issued by the Czech National Bank as of the day preceding the date the unauthorised Payment Transaction is cleared), provided such loss is caused (a) through use of a lost or stolen Payment Instrument or (b) through misuse of the Payment Instrument if the Client fails to arrange for protection of his/her personalized security elements. 5.2.3. If, after the Bank has provided the Client with performance under 5.2.1, it is shown that the Client had no entitlement to such performance, the Client undertakes to return to the Bank, immediately upon request, all performance to which the Client had no entitlement. 5.3. Liability for an incorrectly executed Payment Transactions 5.3.1. The Bank, as the Payer s payment service Provider is responsible for any incorrectly executed EEA Transaction under the conditions stipulated by the Payment System Act. 5.3.2. If the Bank is liable under 5.3.1 for an incorrectly executed Payment Transaction and the Client informs the Bank that he/she does not insist on the execution of the Payment Transaction, the Bank shall proceed as per the Payment System Act. 5.3.3. If the Bank is liable for an incorrectly executed Payment Transaction and the Payer fails to inform the Bank that he/she does not insist on the execution of the Payment Transaction, the Bank shall proceed as per the Payment System Act. 5.3.4. The Bank as the payee s provider is liable to the Payee for any incorrectly executed Payment Transaction only if the payer s payment service provider is not liable to the payer for such Payment Transaction. If the Bank, as the Payee s provider, is liable for an incorrectly executed Payment Transaction as per the preceding sentence, it shall proceed in compliance with the Payment System Act. 5.3.5. Paragraphs 5.3.1 to 5.3.4 of this Article shall not be applicable to payment transactions initiated by the payee if the provider of the payee fails to satisfy his obligation to submit the payment order to the payer s provider duly and in good time. 5.3.6. If the EEA Transaction initiated by the Client is effected incorrectly, the Bank shall, upon request of the Client, make every effort that may be reasonably PAYMENT SYSTEM RULES 40

expected to track down the Payment Transaction and inform the Client of the results. 5.3.7. If the Client specifies an incorrect Unique Identifier of the payee, the Bank shall make every effort that may be reasonably expected to ensure that the funds of the incorrectly made Payment Transaction are returned to the Client. The Bank may demand consideration according to the List of Charges for returning these funds. 5.4. Limitation of Liability 5.4.1. The Bank is not liable for damage caused by blocking the Payment Instrument or rejection of the Payment Order in accordance with these Rules and Conditions. 5.4.2. The Bank is not liable for damage caused by the fact that persons other than the Bank do not allow the Client to have the funds on the Account at his/her disposal through the Payment Instrument. 5.4.3. The Client shall notify any unauthorized or incorrectly executed Payment Transaction to the Bank, without undue delay after he/she has learnt of this transaction, though not later than 13 months from the date the funds were debited from the Account. Such a notification shall be made by the Client in writing or via the Citibank Online or CitiPhone services. The liability of the Bank for an unauthorized or incorrect Payment Transaction shall cease to exist once any of the aforesaid time limits have lapsed. 5.4.4. The Client shall bear the full amount of loss consequential of an unauthorised Payment Transaction if such loss is caused by fraudulent conduct of the Client or the Client having breached wilfully or by gross negligence any of his obligations stipulated under the Agreement pertaining to the use of Payment Instruments or reporting a Payment Instrument that has been lost, stolen, misused or used without authorisation. 5.4.5. The provisions of paragraphs 5.2.2 and 5.4.4 of this Article shall not be applicable where it is proven that the Client have not acted in a fraudulent manner and (a) the loss occurred after the Client notifies the Bank of the loss, theft, misuse or unauthorized use of the Payment Instrument, or (b) the Bank failed to ensure that the Client has available suitable means to report at any time the loss, theft, misuse or unauthorised use of the Payment Instrument. 5.4.6. The Bank shall not be liable to the Client for any unauthorized or incorrectly effected Payment Transaction, including any failure to observe time limits for effecting the EEA Transaction, if the Bank is prevented from performing the relevant obligation by circumstances that are unusual, unforeseeable, independent of the will of the Bank and the consequences of which could not be averted by the Bank. 5.5. Refunding amounts of the authorized Payment Transactions 5.5.1. The Client is entitled to request the refund of the amount of the authorized EEA Transaction effected at the request of the payee under the conditions stipulated by the Payment System Act. 5.5.2. Paragraph 5.5.1 shall not be applied where consent to the Payment Transaction has been provided by the Client directly to the Bank and where, if applicable, the Client has been provided or made available information of the exact amount of 41 PAYMENT SYSTEM RULES

the Payment Transaction by the Bank or the Payee in the agreed manner, no later than 4 weeks prior to acceptance of the Payment Order. 5.5.3. If the Client expects that his direct debit transfers will be lowered, suspended or stopped, the Client shall immediately inform the Bank of this and properly modify or cancel the consent on the basis of which these transfers are made from his/ her Account. 5.5.4. The Client, in the position of a Payee, agrees that if the amount of an authorised Payment Transaction is returned from a Payment Transaction that was effected on his/her initiation, the Bank may debit funds from any of the Client s accounts in order to return the amount of this Payment Transaction in which the payer demands a refund in accordance with generally binding legal regulations. 5.6. Corrective Settlement 5.6.1. If the Bank fails to clear a Payment Transaction amount in Czech currency or use the bank account details in accordance with the Client s instructions, resulting in an incorrect execution of Payment Transaction, the bank or the savings and loan in the Czech Republic which maintains the account of the unauthorised payee shall, on the initiative of the Bank, debit the incorrect credit amount from the account of the unauthorised Payee and surrender this amount to the Bank so that the incorrectly executed Payment Transaction can be rectified in accordance with the Payment System Act. A measure under this paragraph may be taken within 3 months of the date of the error which led to an incorrect execution of Payment Transaction. 5.6.2. If the bank or the savings and loan in the Czech Republic fails to clear a Payment Transaction amount in the Czech currency or use the bank account details in accordance with their client s directions, resulting in an incorrectly executed Payment Transaction, the Bank shall, in the case that the Client is an unauthorised payee, on the initiative of this bank or savings and loan, debit the incorrect credit amount from the Client s account and surrender this amount to the bank or savings and loan so that the incorrectly executed Payment Transaction can be rectified in accordance with the Payment System Act. The Bank may also reinstate the Account to the state it would be in if no incorrectly executed Payment Transaction had occurred. A measure under this paragraph may be taken within 3 months of the date of the error which led to an incorrectly executed Payment Transaction. 5.7. Fees deducted from the transferred amount 5.7.1. With respect to the Payment Transaction executed, the Bank and the Client have agreed that the Bank may deduct its consideration from the transferred amount before this amount is credited to the Payment Account of the Client or disbursed to the Client. 5.8. Special Provisions 5.8.1. In the event that the Bank credits the amount to the Account, while expecting the transfer of funds to the Account from a third party, it shall do so in good faith in a full and timely receipt of the funds from that third party. In the event that the Bank does not receive the funds from the in a timely and regular manner, it shall be entitled to debit the Account with the amount of funds that were expected but not received. Any exchange-rate differences between the date the funds are credited to the Account and the date the funds are debited from the Account as PAYMENT SYSTEM RULES 42

per this paragraph shall be borne by the Client, except where the Bank breaches its legal duty or does not act in good faith while crediting the funds to the Account. 6. EXCLUSION OF SOME PROVISIONS OF THE PAYMENT SYSTEM ACT 6.1.1. For Payment Transactions other than EEA Transactions, the Client and the Bank have agreed in accordance with section 75(1) of the Payment System Act, that notwithstanding the other provisions of these Rules: (a) provisions of section 77(2) of the Payment System Act under which Article the payer shall pay the consideration required by the payer s provider and the payee shall pay the consideration required by the payee s provider shall not apply even in the case of Payment Transactions without currency conversion; (b) provisions of section 107 of the Payment System Act shall not apply and the payer s provider, the payee s provider and any other entities through which said providers directly or indirectly perform their obligations in effecting Payment Transactions may deduct their charges from the Payment Transaction amount. (c) provisions of section 82(e) and (g) and section 89 of the Payment System Act shall not apply and the Bank is under no obligation to provide the Client, prior to entering into the Agreement or prior to executing the Payment Transaction at the request of the Client, (i) with information as to the maximum time limits for effecting the Payment Transaction; (ii) information as to the consideration payable by the Client, as the Payer, to the Bank for the effecting of the Payment Transaction; (d) provisions of section 103 of the Payment System Act shall not apply and the Bank is under no obligation to refund an authorised Payment Transaction amount under the conditions as laid down in section 103 of the Payment System Act. The Client has been advised of risk that the full authorised Payment Transaction amount may be debited from the Client s Account in the case of an authorised Payment Transaction initiated by the payee, the exact amount of which transaction is not determined at the time of authorisation by the Client; (e) provisions of sections 109, 111 and 113 of the Payment System Act shall not apply, with the result that the Bank is under no obligation to effect Payment Transactions within the maximum time limits as defined under said sections; (f) provisions of sections 115 and 117 (2) to (5) and the second sentence of paragraph 6 of the Payment System Act shall not apply and consequently, the Bank shall be under no obligation, after having been advised by the Client of the unauthorized or incorrectly executed Payment Transaction, to reinstate the Account from which the amount of the unauthorized or incorrectly executed Payment Transaction was debited to a state in which the Account would be if the aforementioned debit was not made, or to refund the amount to the Client should the said reinstatement not be an option; (g) provisions of section 118 of the Payment System Act shall not apply and consequently, the Bank shall be under no obligation, with respect to the incorrectly executed Payment Transaction, (i) upon request of the Client, to make every effort that may be reasonably expected to track down the Payment Transaction nor (ii) inform the Client of the results. 43 PAYMENT SYSTEM RULES

6.1.2. The Bank is only responsible for an unauthorized or incorrectly executed Payment Transaction that is not an EEA Transaction according to the general legal regulations governing the liability. 7. DEFINITIONS 7.1.1. Terms with initial capital letters have the following meanings, unless the context hereof requires otherwise: 3D Secure Code means a password used to confirm the Payment Transactions at the merchants using Internet payment gateway secured with the 3D Secure. A-PIN means a numerical personal identification code chosen by the Client for the Cards; by using this code the Client proves his/her authorization to effect the Payment Transaction through the Cards. ATM means automated teller machine, through which the Payment Orders or other instructions may be submitted using the Card. CVV Code means the security code on the reverse side of the Card. Member State means a member state of the European Union or any other state that is a party to the European Economic Area Treaty. Debit Card means an international payment (debit) card or similar Payment Instrument issued by the Bank to the Client in connection with the Account. Unique Identifier means a combination of letters, digits or signs, as defined by the Bank, to identify the Client or the Account during the execution of the Payment Transactions. Card means a Debit Card and Credit Card. Card Account means the internal records maintained by the Bank, which keeps track of its claims against the Client or debts to the Client in connection with the Credit Card. Credit Card means a payment (credit) card or similar Payment Instrument issued by the Bank to the Client. Payer means the Client from whose Account money is to be debited to execute the Payment Transaction or who makes funds available for the execution of the Payment Transaction. PAYMENT SYSTEM RULES 44

Payment Instrument means a device or a set of procedures agreed between the Bank and the Client that are related to the Client and that the Client employs in issuing the Payment Order (e.g. Cards, Citibank Online, CitiPhone, etc.). Hard copy Payment Orders received are not Payment Instruments. Payment Order means an Instruction to the Bank whereby the Payer or the Payee requests that a Payment Transaction be made or Payment Transactions be made repeatedly. Payment Transaction means depositing money to a Payment Account, withdrawing the funds from a Payment Account or the transfer of the funds. Payment Account is an account used for executing the Payment Transactions. Payee means the Client, whose Account is specified in the Payment Order to be credited the funds or who is specified in the Payment Order as the person whom the Funds should be made available to. EEA Transaction means the Payment Transaction (a) in a currency that is the currency of a Member State, and (b) which, in the case of the Client s outgoing Payment Transactions, where the Bank acts as the Payer s provider, is provided by the payee s provider in a Member State or (c) which, in the case of the Client s incoming Payment Transactions, where the Bank acts as the Payee s provider, is provided by the payer s provider in a Member State. Account means the Payment Account or Card Account. Payment System Act means Act 284/2009 Coll., on payment system, as amended by subsequent regulations. 45 PAYMENT SYSTEM RULES

TECHNICAL CONDITIONS Valid and effective from 1 January 2014 Citibank Europe plc, organizační složka PRAGUE CZECH REPUBLIC

CHAPTER I TECHNICAL CONDITIONS FOR PAYMENT SYSTEM 1. BASIC PROVISIONS 1.1. These technical conditions for payment system (hereinafter the Technical Conditions ) are part of the Payment System Rules ( the Rules ), they govern certain rights and obligations of the Bank and the Client during provision of the payment services by the Bank and contain a description of payment services and information on deadlines for delivery of the Payment Order, the maximum time limits for execution of the Payment Transactions and other useful information in the field of payment system. 1.2. All capitalized terms in these Technical Conditions, not defined herein, shall have the same meaning as defined in the General Business Terms and Conditions for Natural Persons issued by Citibank Europe plc, operating in the Czech Republic through its branch of Citibank Europe plc, organizational unit (hereinafter the Conditions ), Rules or other business terms and conditions of the Bank. 1.3. In the event of discrepancy between the individual provisions of the Technical Conditions and Rules, or should they become incompatible, the provisions of these Technical Conditions shall prevail. 2. DESCRIPTION OF PAYMENT SERVICES 2.1. The Bank provides payment services in the meaning of the Payment System Act to the extent defined in the Conditions, Rules, Technical Conditions, applicable Product Conditions and applicable Agreements which provide for the provision of payment services and are Notified in a Qualified Manner by the Bank. 2.2. The Bank provides the below mentioned payment services or other payment services as agreed between the Bank and Client: (a) Outgoing cashless Payment Transactions: (i) Domestic Outgoing Payment a one-off or repeated payment initiated by the Client in the Czech currency within the Czech Republic, where the Client is in a position of the Payer; (ii) Foreign Outgoing Payment a one-off or repeated payment initiated by the Client in other than Czech currency or payment to abroad, where the Client is in a position of the Payer; (iii) SEPA Outgoing Payment a one-off or repeated SEPA Payment Transaction initiated by the Client, where the Client is in a position of the Payer, made in a special mode and credited to the account of the payee s payment service provider on the day following that on which the Payment Order was accepted. The account number of the SEPA Payment Transaction payee must be indicated in the IBAN format, and the Payment Service provider of the payee is identified with the BIC code; (iv) Collection/Direct Debit a one-off or repeated payment initiated by the payee in the Czech currency within the Czech Republic, where the Client is in a position of the Payer; TECHNICAL CONDITIONS 48

(v) Outgoing payment, Citibank Global Transfer a one-off payment initiated by the Client in the Czech or another currency, effected in real time to private accounts within the Citibank Group, where the Client is in a position of the Payer. (b) Incoming cashless Payment Transactions: (i) Domestic Incoming Payment a payment initiated by the payer in the Czech currency within the Czech Republic, where the Client is in a position of the Payee; (ii) Foreign Incoming Payment a payment initiated by the payer in other than Czech currency or a payment from abroad, where the Client is in a position of the Payee; (iii) SEPA Incoming Payment a SEPA Payment Transaction initiated by the payer, where the Client is in a position of the Payee, made in a special mode and credited to the Bank s account on the day following that on which the relevant Payment Order was accepted. The Client s account number shall be indicated in the IBAN format and the Bank is identified with the BIC code; (iv) Collection/Direct Debit a one-off or repeated payment initiated by the Client in the Czech currency within the Czech Republic, where the Client is in a position of the Payee; (v) Incoming payment, Citibank Global Transfer a one-off payment initiated by the payer in the Czech or another currency, effected in real time from private accounts within the Citibank Group, where the Client is in a position of the Beneficiary. (c) Cash Payment Transactions: Cash Payment Transactions at the Bank Establishments to deposit, withdraw or exchange money such that funds are credited to or debited from the Client s Account. Furthermore, the cash Payment Transactions include cash withdrawal Payment Transaction made with the Card. (d) Intermediation/Execution/Processing of SIPO service Consolidated Bill Payment System. 2.3. SEPA Payment Transaction means a cashless Payment transaction (a) in EUR, and (b) which, in the case of the Client s outgoing Payment Transactions, where the Bank acts as the Payer s provider, is provided by the payee s provider in an EU Member State or a member state of the European Free Trade Association or in Monaco, or (c) which, in the case of the Client s incoming Payment Transactions, where the Bank acts as the Payee s provider, is provided by the payer s provider in an EU Member State or a member state of the European Free Trade Association or in Monaco. 2.4. In the event that the Payment Transaction currency is other than the lawful currency of the Czech Republic, it shall be considered a foreign Payment Transaction, irrespective of the address of the registered office, residence or place of business of the payee, the payee s provider, the payer or the payer s provider with respect to such a Payment Transaction. If the address of the registered office, residence or place of business of the payee s provider or the payer s provider with respect to such a Payment Transaction is located abroad, it shall be considered a foreign Payment Transaction, even if the Payment Transaction is made in the lawful currency of the Czech Republic. 49 TECHNICAL CONDITIONS

3. PAYMENT SYSTEM DEADLINES 3.1. Standard time limits and deadlines for the delivery of the Payment Order (a moment towards the end of the opening hours / cut-off time): PAYMENT SERVICE Domestic Outgoing Payment in CZK Express Domestic Outgoing Payment in CZK Foreign Currency Outgoing Payment* Authorization of Direct Debit, Direct Debit Order Internal payment within the Bank in legal currency of the Czech Republic Internal payment within the Bank in foreign currency DEADLINE FOR THE DELIVERY OF A PAYMENT ORDER Through the Citibank Online service In other manner (via the CitiPhone service, mail, fax, in person) 18:30 15:00 12:00 10:30 13:00 13:00 14:00 14:00 18:30 (16:30**) 15:00 13:00 13:00 Note : * including CZK transfers to abroad ** the time limit applies to internal transfers to accounts held by corporate clients (account numbers starting with digits 25 and 20) 3.2. Standard deadlines for the delivery and processing method of an incoming Payment Transaction: PAYMENT SERVICE Domestic Incoming Payment Express Domestic Incoming Payment Foreign Incoming Payment SEPA Incoming Payment Crediting the funds to the Account FUNDS RECEIVED BY THE BANK on the day on which the funds are received (D) on the day on which the funds are received (D) on the day on which the funds are received (D) 15:00* on the day on which the funds are received (D) 15:00* D + 0* Note : D is the day on which the Bank receives the transferred amount from the payer s provider/intermediary (correspondent bank). * In the case of a foreign incoming payment and a SEPA incoming payment, the amount of the Payment Transaction shall be credited to the Account the same day on which the Bank receives the amount, as long as the Bank obtains a confirmation, by 15:00 of the same day, that the amount of the Payment Transaction was credited to the relevant Bank s account (payment coverage). If the Bank obtains this confirmation later, the amount of the Payment Transaction will be credited to the Account on the following Business Day. TECHNICAL CONDITIONS 50

3.3. Maximum time limits for processing the payment transactions: (a) Outgoing payments (regardless of how the Payment Order is delivered): (i) Domestic Outgoing Payment shall be credited to the account of the payee s provider no later than the next Business Day after the date of acceptance of the relevant Payment Order. (ii) Express Domestic Outgoing Payment shall be credited to the account of the payee s provider always on the date of acceptance of the relevant Payment Order. (iii) Foreign Outgoing Payment in CZK, EUR or USD shall be credited to the account of the payee s provider no later than the next Business Day after the date of acceptance of the relevant Payment Order. (iv) Foreign Outgoing Payment in other currency than CZK, EUR or USD shall be credited to the account of the payee s provider no later than four Business Days after the date of acceptance of the relevant Payment Order. (v) SEPA Outgoing Payment shall be credited to the account of the payee s provider no later than the next Business Day after the date of acceptance of the relevant Payment Order. (vi) Direct Debit The Bank shall deliver the Client s Payment Order to the direct debit transfer to the payer s provider no later than the next Business Day after the date of acceptance of the relevant Payment Order. (vii) Internal transfer within the Bank in the territory of the Czech Republic shall always be credited to the Payee s account with the Bank on the date of acceptance of the relevant Payment Order. (b) Incoming payments (i) The amount of the Payment Transaction, which is a Domestic Incoming Payment or an Express Domestic Incoming Payment, shall always be credited to the Account on the same day the amount of the transaction is credited to the Bank s account. (ii) The amount of the Payment Transaction, which is a Foreign Incoming Payment or a SEPA Incoming Payment, shall always be credited to the Account on the same day the amount of the transaction is credited to the Bank s account and, simultaneously, the Bank receives a confirmation that the amount of the Payment Transaction has been credited to the Bank s account (payment coverage) or is otherwise reliably advised of such crediting. (c) Cash transactions The Payment Orders for cash deposit or withdrawal are made by the Bank, i.e. the amount of the Payment Transaction is credited to or debited from the Account on the same day the Payment Order is delivered to the Bank s (namely to the stablishment). The Bank may set a limit for outgoing cash Payment Transactions (cash withdrawals) from the Account, in which case, if the Client wishes to make Payment Transactions in excess of such a limit and to deliver such a Payment Order to the Establishment, it shall be obliged to inform the Bank of delivering the Payment Order in this way within a time limit Published by the Bank, otherwise the Bank is not obliged to accept such a Payment Order. 51 TECHNICAL CONDITIONS

4. RESTRICTION ON THE TOTAL AMOUNT OF PAYMENT TRANSACTIONS 4.1. The total amount of the Payment Transaction made via Citibank Online will be limited to a maximum of CZK 600,000 or its equivalent in other currency, unless otherwise agreed between the Bank and the Client. Notwithstanding anything of aforesaid, the Bank is entitled (not obliged) to carry out the Payment Transaction even if the amount thereof exceeds the aforementioned maximum, particularly in the case of Payment Transactions made between the Accounts of one single Client held by the Bank in the Czech Republic. The Agreement may stipulate further limitations on the Payment Transactions total amounts for individual Payment Instruments. 4.2. Unless otherwise stipulated in the Agreement, the maximum aggregate amount of all payments that may be submitted via Citibank Online on a single Business Day equals the amount defined in the List of Charges. In exceptional circumstances, the Bank may temporarily reduce this amount. The reduction in the limit shall be notified by the Bank to the Client via Citibank Online. 4.3. The maximum number of payments that may be submitted via Citibank Online on a single Business Day is thirty. That number does not include the standing Payment Orders. 5. REMUNERATION 5.1. The Client is obliged to pay for the Payment Services and Payment Instrument the Fees under the applicable Agreement or the List of Charges. 5.2. In the case of Foreign Outgoing Payments, where the Client is in a position of the Payer and where the Client has specified the OUR fee indicator, the Client shall also pay to the Bank the fees for the intermediary providers (correspondent banks) and the payee s provider, in addition to the regular Fees according to the List of Charges. Nevertheless, the Bank cannot guarantee that third the parties (i.e. in particular the payee s provider or intermediary provider) will adhere to the specified fee indicator. 5.3. In the case of Foreign Incoming Payments, where the Client is in a position of the Payee and where the payer has specified the BEN fee indicator, the Client shall also pay to the Bank the fees for the intermediary providers and the payer s provider, in addition to the regular fees according to the List of Charges. 5.4. In the case of payments, where the payer has specified the BEN fee indicator, all the fees for the payer s provider, the payee s provider and the intermediary providers will be deducted from the amount of the Payment Transaction. 5.5. In the case of foreign payments, where the payer has specified the SHA fee indicator, the payer shall pay the fees for his/her payment service provider and the payee shall pay the fees for his/her payment service provider and further fees for all other intermediary providers. 5.6. In the case of foreign payments, where the payer has specified the SHA fee indicator and the payments are not an EEA Transaction, the fees for the intermediary providers and the payee s providers will be usually deducted from the amount of the Payment Transaction. If the fees for the intermediary providers are not deducted from the TECHNICAL CONDITIONS 52

amount of the Payment Transaction or are deducted only in part, the Bank shall be entitled to charge these fees to the Account from which In the case of foreign payments, where the payer has specified the SHA fee indicator and the payments are not an EEA Transaction, the fees for the intermediary providers and the payee s providers will be usually deducted from the amount of the Payment Transaction. If the fees for the intermediary providers are not deducted from the amount of the Payment Transaction or are deducted only in part, the Bank shall be entitled to charge these fees to the Account from which the Payment Transaction amount has been debited, such fees will be charged at the same rate as that charged to the Bank. 5.7. Fees for EEA Transactions (including EEA Transactions with conversion between currencies) are always charged according to the SHA indicator. The Client must choose the SHA indicator for any EEA Transaction (whether or not the Payment Transaction involves currency conversion). 5.8. The Bank may also charge the Client a NSTP Fee (non-straight through processing) for incomplete Payment Order (especially if the payee account number in IBAN format is missing or specified incorrectly). 5.9. In the case of Payment Transactions other than EEA Transactions the Client may choose between these Fee charging indicators: BEN, SHA, and OUR. CHAPTER II TECHNICAL CONDITIONS OF COMMUNICATION 6. PREAMBLE 6.1. These Technical conditions of communication (hereinafter Communication Conditions ) specify the rules and requirements for the use of Citibank Online. 6.2. All capitalized terms in these Communication Conditions, not defined herein, shall have the same meaning as defined in the General Business Terms and Conditions for Natural Persons issued by Citibank Europe plc, operating in the Czech Republic through its branch of Citibank Europe plc, organizational unit (hereinafter the Conditions ), Rules or other business terms and conditions of the Bank. 6.3. In the event of discrepancy between the individual provisions of the Communication Conditions, Rules and the Conditions, or should they become incompatible, the provisions of these Communication Conditions shall prevail. 7. CONDITIONS OF USING THE CITIBANK ONLINE SERVICE 7.1. The Client shall ensure the compliance with the following minimum requirements concerning configuration and transmission speed for the use of Citibank Online: MS Windows and Mac OS Internet Explorer version 6 or higher, Google Chrome 10 or higher, FireFox 2.0 or higher, Safari 1.2 or higher, Safari 2.0 or higher 53 TECHNICAL CONDITIONS

7.2. Upon the Client access to the Citibank Online service, the Bank authenticate the legitimacy of the access using the question answer mechanism to ensure that Password is never transmitted over the public network, not even in encrypted form. 7.3. When logging in the Citibank Online service for the first time, the Client shall at first use the number of the relevant Card and then the four-digit A-PIN code. Subsequently, the Client will be prompted to enter a new user name and Password. When logging in for the first time, the Client will be prompted to set his/her security questions and answers which will be used for the purpose of identification of the Client is special cases, e.g. when the access to the Citibank Online service is blocked. 7.4. The Personal Key is protected by a five-digit PIN code, to be chosen by the Client when switching on their Personal Key for the first time. The selected five-digit PIN will be required at any time the Personal Key is switched on. 7.5. When logging in the Citibank Online service any next time, the Client shall always use the following Access Elements: (a) selected user name, (b) selected Password, and (c) Security Key. 7.6. If the Password of the Security Key is entered incorrectly three times when logging in the Citibank Online service, the respective Client will be blocked to access Citibank Online. If the Client forgets the Password, or if the access has been blocked after three unsuccessful attempts at logging in the Citibank Online service, the Client will be entitled to request unblocking via CitiPhone. Analogical procedure shall be followed for next logging in as the one used when logging in for the first time. TECHNICAL CONDITIONS 54

PRODUCT CONDITIONS FOR CITI CREDIT CARDS Valid and effective from 1 January 2014 Citibank Europe plc, organizační složka PRAGUE CZECH REPUBLIC

1. PREAMBLE 1.1. Document structure These Product Conditions for the Citi Credit Card ( the Product Conditions ) together with the General Business Terms and Conditions for Natural Persons ( the Conditions ), Payment System Rules ( the Rules ) and the List of Charges for the Citi Credit Cards ( the List of Charges ) govern the rights and obligations of the Bank and the Client in connection with the issuance and use of the Citi Credit Cards and they form an integral part of the Citi Credit Card Agreement ( the Agreement ). 1.2. Effectiveness These Product Conditions become valid and effective on 1 January 2014 and shall entirely supersede the Business Terms and Conditions for the Citi Credit Card Holders of 1 January 2013. 1.3. Modification of the Product Conditions In the event of any change to the Product Conditions, the List of Charges or other Business Terms and Conditions of the Bank, the Bank shall proceed in compliance with the applicable provisions of the Conditions pertaining to such procedure. 1.4. Interpretation Unless the context of the Product Conditions clearly implies otherwise, the terms defined in Article 11 shall have the same meaning in other parts of the Product Conditions as well. The same shall not apply if the context of the contractual provisions clearly implies that the relevant term has a different meaning. Unless the Product Conditions contain specific definition of certain term, the term shall have the same meaning as the one specified in the Conditions or other Business Terms and Conditions of the Bank. 2. CARD 2.1. Agreement on the Citi Credit card The Bank will issue the Card to the Client on the basis of the Agreement. Through the Agreement the parties also agree on the conditions for granting a loan to the Client and on further rules for using the Card, primarily by referring to the Business Terms and Conditions and the List of Charges of the Bank as set out in paragraph 1.1. The Agreement is valid and effective upon signing thereof by both parties if concluded in the presence of both the contracting parties, or upon the moment when the other party is submitted the notice of acceptance of the offer for conclusion of the Agreement conclusion in the case the Agreement is concluded by means of remote communication. If the offer for conclusion of the Agreement is made by the Client, it shall usually be made in the Card application form. The Agreement may also be concluded by electronic means if the signing party uses for its identification the Access Elements or other form of electronic signature in accordance with Section 2 (a) of Act No. 227/2000 Coll., on electronic signature and on amendment to certain acts. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 68

2.2. Card Form Unless otherwise agreed between the Bank and the Client, the Bank shall be entitled at its own discretion to issue the Client with the Card in one or more of the following forms ( Card Form ): (i) contact card, (ii) contact card with contactless payment option (iii) contactless payment stickers (iv) payment applications on SIM card or other medium, (v) virtual card. 2.3. Card Type Cards may be issued in different types ( Card Type ), with various conditions set out in the List of Charges or elsewhere. Various benefits and services may be offered for individual Card Types by the Bank or its Partners. Conditions for such benefits or services are Published in the Programme of benefits for the Citi Credit Card holders ( Benefits Program ), which is subject to cancellation or change by the Bank at any time. The Client has a right to receive the benefit only if (i) this right is stated in the last released Benefits Program, which was Published before the Client exercised this right, and (ii) upon fulfilment of further conditions mentioned in the Benefits Program. 2.4. Card validity period and issuance of a renewed Card Validity period shall commence at the moment the Card is issued and shall end on the last day of the month and year indicated on the Card. At the earliest three months before the expiry of the Card validity, the Bank may automatically issue a renewed Card. The Bank shall not issue the renewed Card if the Client at least four months in advance of the expiry of the Card validity period requests in writing that the renewed Card should not be issued or if with regards to the Bank s Duty to Proceed Prudently the Bank decides not to issue a new Card for any other reason. The fact that the renewed Card was not issued is without prejudice to the duration and validity of the Agreement and obligations arising therefrom. The issuance of the renewed Card has no effect on the terms and conditions of the Card Operations made by the original Card, and particularly no effect on the terms and conditions of the Special Billing Plan (if any). Paragraph 10.1. shall apply mutatis mutandis for issuance of the renewed Card. 2.5. Rewards and Discounts The Bank reserves the right to provide the Client, within the advertising campaigns or promotion, with rewards, bonuses, discounts, reduction in or remission of the Card maintenance fee and other benefits, particularly in the form of crediting the amount to the Card Account ( Reward ). The Bank reserves the right to reduce the interest rate, under the conditions and for a limited period of certain advertising campaign or promotion. Upon expiry of this period, the Card Transactions will be subject to the interest rate as per the standard terms and conditions described herein. All joining, introduction and extra bonuses and promotion, unless otherwise specified by the Bank under the terms of the relevant Reward, apply only to the first Primary Card of the particular Card Type issued to the Client on the basis of the new concluded 69 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

Agreement, and not to the Cards issued under the existing Agreements or to the Cards where the Card Type was only changed. The Client may refuse the participation in a promotional event and any Reward offered or provided by the Bank at any time. If the Bank provides the Client with the Reward, it will be paid to the same after the payment of all applicable taxes as per the relevant tax regulations of the Czech Republic pertaining to the provision of the Reward. As a recipient of the Reward, the Client is fully responsible for any impacts arising from the tax regulations of the Czech Republic pertaining to the acceptance of the Reward. If the Event of Default occurs, especially the cases of non-payment of the Minimum Due Amount or exceeding the Credit Limit or if required by the Bank s Duty to Proceed Prudently, the Bank reserves the right to withhold the Rewards completely or to refuse their drawdown, or possibly provide the Rewards after the relevant reasons cease to exist. If the Bank provides a Reward to the Client but the Client fails to satisfy the conditions of the Reward, the Bank is entitled to request the return of the Reward or a compensation for the expenses it incurred with respect to its provision. 2.6. Additional Services Upon the fulfilment of the additional conditions related with the relevant additional service, the Bank may provide the Client with the additional services, primarily various types of insurance products the provision of which is associated with holding and using Principal Card or the Supplementary Card. Insurance for the Card is being offered by the Bank in collaboration with the relevant insurer, which is a provider of the insurance, either as an optional additional service arranged upon the Client s request via the Bank s communication channels or as an additional services automatically set by the Bank to accompany the Card. Conditions for the provision of insurance products are governed by the framework insurance policy and the General Insurance Terms and Conditions pertaining to the particular insurance product released by the insurer. The Bank is entitled at any time to cancel or alter the additional services offered with the particular Card Type by Publishing or by Notifying in Qualified Manner. By signing the Agreement, the Client gives his/her consent to the Bank to disclose to the entities, which provide the additional services and benefits, the necessary information about the Client, however only to the extent to which the Client originally disclosed such information to the Bank and in compliance with the Agreement, if such information to the necessary extent is required in relation to the additional services. 3. CARD USE 3.1. Card as a Payment Instrument The Card is a Payment Instrument through which the Client issues the Payment Orders on his/her account under the conditions set out in the Product Conditions, Conditions or Rules. The Payment Order is issued by carrying out the relevant Card Operation. The Card is not a deposit product. Unless agreed otherwise, the Bank has the right to return the credit balance of the Card Account to the account of the payer whose payment resulted in the credit balance of the Card Account. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 70

3.2. Card Activation The Card may be used to execute the Card Operations only if it has been activated or if it is specifically agreed on between the Client and the Bank for certain type of the Card Operation. The Client shall receive a non-activated Card from the Bank. The Client shall activate the Card via CitiPhone, Citibank Online or in another manner permitted by the Bank, and shall choose the T-PIN or A-PIN. Within five Business Days after the signing of the Agreement, the Bank shall notify the Client that the card can be activated. This does not apply, i.e. the Card cannot be activated if the Bank finds during this period that an Event of Default occurred or if the Bank terminates the Agreement by notice. The Card may only be activated after the Bank s notification to the Client that the Card is ready to be activated. 3.3. Payment Orders 3.3.1. Through Card Operations, the Client issues a Payment Order to execute the command to performing the following types of Card Transactions: (a) payment for goods, services and other items to the subjects which accept the Card through the payment terminals and similar devices, including the Internet, or a payment based on the instructions issued to the payee or the Bank (e.g. one-time or standing order to the debit side of the Card Account, SIPO (Comprehensive National Direct Debit Payments), Direct Debits for O2 billing, etc.). ( Payment for Goods and Services ); (b) cash withdrawals via ATM or over the counter at the financial institutions and other entities, as well as specific types of Card Transactions such as purchase of casino chips, payment for gambling, betting, lottery tickets, traveller s checks, electronic money, bonds, precious metals at a financial institution, purchase of foreign currency, money transfer or card transactions in which the Client obtains other values convertible to cash all of which is made to the debit side of the Card Account ( Cash Withdrawal ), or (c) bank transfer of funds to the Account maintained in the Czech Republic, debited from the Special Billing Plan Account or the Card Account ( Wire Transfer ). 3.3.2. If the Client initiate a Payment Order to the debit of the Card Account via Citibank Online, the payment executed based on such an order can be classified any type of Card Transaction pursuant to Article 3.3.1 letter a) to c) regardless of the criteria in Article 3.3.1. The specific classification of the Card Transaction shall be agreed with the Client via the Citibank Online service before the acceptance of the Payment Order. 3.3.3. Unless otherwise agreed, the Wire Transfer processing is subject to the following: (i) the Agreement is effective for at least three months, (ii) No Event of Default occurred during the term of the Agreement and (iii) the Card Transaction amount is at least CZK 2,500. 3.3.4. If required due to the Bank s Duty to Proceed Prudently, the Bank may reject the Wire Transfer transaction or determine lists of approved and unapproved beneficiaries of such a Wire Transfer or set further conditions for the execution of such a transfer, of which the Client shall be notified via CitiPhone, Citibank Online or in another manner permitted by the Bank. 71 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

3.4. Card Transactions in foreign currency 3.4.1. If a Card Transaction is performed in a foreign currency, the competent card association will at first convert the relevant amount to EUR, at the foreign exchange rate according to its own rules and regulations. Subsequently, the Bank will convert these transactions to the Czech Crowns, according to the daily mid exchange rate of Citibank valid as of 9:00 of the Business Day when the Card Transaction is processed, increased by the conversion margin as specified in the currently valid List of Charges. The Bank will debit this amount from the Card Account. 3.4.2. If the merchant offers the Client the conversion of the Card Transaction amount to the domestic currency (Dynamic Data Conversion) and the Client authorize the same thereby giving his/her consent to the exchange rate, commission (if any) and the final amount, the very amount will be debited from the Card Account. 3.4.3. For each Card Transaction executed in a foreign currency, the Bank will inform the Client, through the Card Account Statement, about the amount and currency of the original transaction, resultant amount in the Czech Crowns and resultant effective foreign exchange rate, i.e. exchange rate calculated as the ratio of the final amount in the Czech Crowns and the original amount in the foreign currency. 3.5. Refunding or Credit The Bank will credit to the Card Account all and any refunds from the Card Transaction or any other payment on the Business Day when the Bank receives such refund or payment and which it converts to the Czech Crowns, if necessary, in accordance with the provisions of the previous paragraph. 3.6. Card Account 3.6.1. The Card Transactions and other claims arising in connection with the use of the Card are recorded on the Card Account. The Bank s claims, which should be repaid and settled in regular repayments in compliance with these Product Conditions and arrangement between the Client and the Bank, are recorded on the Special Billing Plan Account under the conditions and to the extent defined in these Product Conditions. 3.6.2. The debit balance on the Card Account and the Special Billing Plan Account represents the amount of the Bank s Claims, whereas the credit balance represents the Client s claims against the Bank. 3.6.3. All the Card Transactions will be debited from the Card Account or the Special Billing Plan Account usually on the first Business Day after the Bank receives the relevant Payment Order. This provision shall be without prejudice to paragraph 4.4. 3.6.4. By executing the Card Transaction, the Client makes use of the loan under the Agreement to the extent of the debit balance on the Card Account or the Special Billing Plan Account, and the Bank thereby has a Claim from the Card against the Client to the same extent. 3.7. Prohibited Manner of Card Use The Card must not be used for the settlement of the balance on the Card Account. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 72

4. CARD LIMITS 4.1. Limit determination 4.1.1. Each Primary Card has its own Credit Limit and a Cash Limit within the former. Upon the Primary Cardholder request, the Bank may also establish a Special Limit, always in connection with a specific Wire Transfer to the debit of the Special Billing Plan Account. The request shall be lodged by the Client via CitiPhone, Citibank Online or in another manner permitted by the Bank. Unless otherwise agreed between the Client and the Bank, the basic condition for establishing the Special Limit is that (i) the Agreement is effective for at least six months, (ii) No Event of Default occurred during the term of the Agreement and (iii) the Card Transaction amount which the Special Limit is related to is at least CZK 20,000. 4.1.2. If the Claim from the Card, resulting from the Wire Transfer related to the aforementioned Special Limit, has been fully settled, the Bank may upon the Client s request determine a new Special Limit repeatedly. 4.2. Limit 4.2.1. The maximum Credit Limit is CZK 600,000, unless otherwise agreed. By signing the application for the Card, the Client applies and acknowledges that the Bank, in line with Bank s Duty to Proceed Prudently and after assessing the Client s ability to repay the Claims from the Card, has determined the Credit Limit as one of the amounts given in the Form for Standard Information about the consumer loan. 4.2.2. The usual amount of the Cash Limit is 50% of the Credit Limit, however it shall never exceed the amount of the Credit Limit. 4.2.3. The maximum Special Limit is CZK 200,000, unless otherwise agreed. The Special Limit is reduced upon crediting the repayments to the Special Billing Plan of the type Extra Cash on Phone or Consolidation with the Citi Credit Card on the Special Billing Plan Account. The amount of the Special Limit always equals to the unpaid portion of the Bank s claim from the Card Transaction assigned in these types of Special Billing Plans. 4.2.4. The determined amounts of the Credit Limit and Special Limit shall be announced by the Bank to the Client in an appropriate manner without undue delay after the approval of the Application for Card or the approval of the Special Limit. 4.2.5. The current amount of the Limits may always be checked through the CitiPhone and the Citibank Online services. The current amount of the Credit Limit and the Cash Limit is also indicated in the Card Account Statement. In the event of discrepancy between the Limit announced through the CitiPhone or the Citibank Online service and the Limit indicated in the Card Account Statement, the amount indicated through CitiPhone and/or Citibank Online shall prevail. 4.3. Limit changes 4.3.1. The Client is entitled to ask the Bank at any time for increase or decrease in the Credit Limit via CitiPhone, Citibank Online and/or in another manner permitted by the Bank. If the Bank agrees to the Client s request, it shall advise the Client via CitiPhone, Citibank Online or in another suitable manner of the amended parameters of the Agreement which were influenced by the change, primarily 73 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

the amount of the new Credit Limit, annual percentage rate of costs and other necessary formalities. 4.3.2. The Bank is at any time entitled to suggest the increase of the Credit Limit to the Client. Such a suggestion shall be Notified in Qualified Manner by the Bank to the Client at least 2 months before the new effective date of the suggested change in the limit. If the Client does not reject such a proposal by the effective date of the proposed change, the limit will increase in compliance with the proposal. The Client is entitled to give the instructions to the Bank not to make any proposals for increasing the limit. 4.3.3. The Client may ask the Bank to increase or decrease the Cash Limit at any time via CitiPhone, Citibank Online or in another manner permitted by the Bank. If the Bank approves the request for limit increase, it shall notify the Client via CitiPhone, Citibank Online or in another suitable manner. Requests for a decrease in the Cash Limit shall be always approved by the Bank. 4.3.4. The Bank is entitled to change the Cash Limit at any time. The Bank shall inform the Client of such a change in a suitable manner, particularly via a notification in the Card Account Statement, or in another agreed manner. 4.3.5. As long as required by the Bank s Duty to Proceed Prudently, in the Event of Default or due to reasons for blocking the Card, for rejecting the execution of the Payment Order or for refusing the application as per 10.2, the Bank shall be entitled, at its own discretion, to decrease the Credit Limit or the Cash Limit anytime with immediate effect. The Bank shall notify the Client of this fact in an appropriate manner, primarily in the Card Account Statement. 4.3.6. For the avoidance of doubt, any change in the Credit Limit or the Cash Limit does not affect the Claims from the Card arising from the Card Transactions executed before the effective date of such a change in the Limit. 4.3.7. If the Claims from the Card, recorded on the Instalment Account, have not been paid yet, the Special Limit may be further increased in relation to the new Wire Transfer if the following conditions are fulfilled, in addition to those described in item (i) and (ii), Article 4.1.1: (i) the amount of the new Wire Transfer, which the increased Special Limit relates to, is at least CZK 10,000 (unless otherwise agreed between the Bank and the Client), and (ii) the determination of or the last increase in the Special Limit took place at least six month ago (unless otherwise agreed between the Bank and the Client). 4.4. Ban on Exceeding the Limit When using the Card, the amount of the Claims from the Card, when reduced by the amount of the Card Transactions for which the Special Limit has been determined as per 4.1, shall not exceed the Credit Limit. The amount of possible Claims from the Card pertaining to the Card Transactions, for which the Special Limit has been determined, shall not exceed the Special Limit. Concurrently, when the Cash Withdrawal or the Wire Transfer is being debited from the Card Account or the Wire Transfer from the Special Billing Plan Account within the Special Billing Plan type Cash on Phone, the aggregate amount of such Card Transactions, or their outstanding portions, shall not exceed the Cash Limit. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 74

The Card Operations are also restricted by the Available Credit Limit and the Available Cash Limit. 4.5. Possibility of the Total Amount Due Exceeding the Credit Limit The Bank may carry out the Card Transaction which results in the Total Amount Due or the Special Billing Plan Account Balance exceeding the Limit. The Bank is not obliged to inform the Client about this fact in advance. 4.6. Obligation to Pay Amount by which the Credit Limit has been exceeded If the Client performs the Card Operation that will result in exceeding the Credit Limit, he/ she shall pay the Bank the amount by which the Credit Limit has been exceeded; such a payment shall be credited to the Card Account by the Due Date as indicated in the Card Account Statement containing the relevant Card Transaction. In addition, the Bank is entitled to charge the Client the fee for exceeding the Credit Limit as per the valid List of Charges. The Bank shall advise the Client in an appropriate manner of his/her exceeding the Credit Limit. 4.7. SIPO Limit SIPO Payments can be debited from the Card Account only up to the defined monthly limit of the Card for this type of payments (hereinafter SIPO Limit ). Unless agreed otherwise, the SIPO Limit is the lower of CZK 25,000 and the Credit Limit. The Bank is not obliged to execute a Payment Order (direct debit) that would result in the total of SIPO Payments in one billing period in excess of the SIPO Limit. 5. CARD ACCOUNT STATEMENT 5.1. Card Account Statement The Bank will send the Client on a monthly basis, towards the date set out by the Bank, a Card Account Statement in accordance with the Conditions. 5.2. Special Billing Plan Account Statement The Card Account Statement includes the data about the status of the Special Billing Plan Account, if applicable to the Client. Provisions concerning the Card Account Statement apply mutatis mutandis to the data about the status of the Special Billing Plan Account. 5.3. Changing the statement date The Client is entitled to apply for change of the Card Account Statement date but only if the Minimum Amount Due, mentioned in the last Card Account Statement, has been fully paid. The Client is entitled to apply for this change no more than once in a calendar year. 5.4. Non-sending the Statement If during the period to which the Card Account Statement shall pertain no Card Transactions has been charged to the relevant Card Account and the Special Billing Plan Account, and the current debit or credit balance on the Card Account is lower than CZK 100, the Bank is not obliged to generate and send to the Client the Card Account Statement for the given period. When the reasons for non-generation and non-sending the statement cease to exist, the further Card Account Statement will be generated covering the entire period for which the statement(s) was not generated. 75 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

The Card Account Statement will not be sent if the Event of Default occurs and the Bank, in connection with this circumstance, decided to declare the loan under the Agreement as due and payable. 5.5. Special notices in the Card Account Statement If the Card Account Statement contains a text section labelled Special Notice, the contents of this section has priority over other data stated in the Card Account Statement. The parts of the Card Account Statement which are in conflict with the Special Notice shall be considered null and void to the very extent; and as such cannot be interpreted as contradicting. 6. METHODS TO REPAY AND SETTLE THE CLAIMS FROM THE CARD 6.1. Liability for the Total Amount Due The Total Amount Due on the Card Account represents the current amount of the Claims from the Card held by the Bank against the Client (for the debit balance), or the current amount of the Client s claims against the Bank (for the credit balance). Without prejudice to the provision of paragraph 6.7, the Client is obliged to pay the Minimum Amount Due by the Due Date. The payment of the Minimum Amount Due shall be made by the Client to the Card Account, according to the instructions given in the Card Account Statement including the indication of a correct variable symbol, so that the Bank obtains the payment by the Due Date at the latest. Payments without the correct variable symbol, which cannot be identified by the Bank on the basis of the details, may be returned to the remitter. The Client is responsible for paying the Minimum Amount Due even if he/she claims the insurance benefit. 6.2. Alternative methods of repayment - Special Billing Plan (Program splátek) Under the conditions listed below, the Client may request the Bank to include the Card Transactions that fulfil certain criteria into some of the Special Billing Plans as described below in paragraphs 6.2.1 to 6.2.6, which allow to reimburse the Claims from the Card arising from the Card transactions included in the Special Billing Plan in the form of regular monthly repayments. If required by the Bank s Duty to Proceed Prudently, the Bank may reject the Client s request for inclusion of the Card Transactions in the Special Billing Plan, which shall be communicated to the Client via CitiPhone, Citibank Online or in another manner permitted by the Bank. The Client will be informed about the inclusion of the Card Transactions into the Special Billing Plan through the Card Account Statement or through another appropriate means, and upon his/her request also through the CitiPhone service. The request under this article shall be lodged by the Client through the CitiPhone, Citibank Online or through a third party authorised by the Bank, specifying the following items: (a) the selected Card Transaction to be included in the Special Billing Plan and/or criteria for including the future Card Transactions in the Special Billing Plan, and (b) required number of monthly repayments. The Bank is entitled to reject the number of monthly repayments required by Client and to agree with the Client on another number of the monthly repayments. The Bank may approve the inclusion of the Card Transaction in the required type of Special Billing Plan PRODUCT CONDITIONS FOR CITI CREDIT CARDS 76

even at an amount lower than the minimum amount permissible for the type of the plan as described below. The Special Billing Plan Account may only keep track of one Special Billing Plan of the Extra Cash on Phone type or one Special Billing Plan of the Consolidation with the Citi Credit Card type. Number of Special Billing Plans of other types is not limited. 6.2.1. Equal Billing Plan (Nákup na splátky) Upon the Client s request, the Payment for Goods and Services can be included into the Special Billing Plan Equal Billing Plan. The Client may request the inclusion of such transactions anytime from the date the Card Transaction is charged to the Card Account to the Due Date indicated in the Card Account Statement which contains the relevant Card Transaction. A Card Transaction contained in the latest Card Account Statement cannot be included in the Special Billing Plan Equal Billing Plan in case that the Current Balance after such inclusion would be lower than the Minimum Amount Due specified in the latest Card Account Statement. The minimum amount of the Card Transaction that may be included in this type of the Special Payment Plan is CZK 2,000 or equivalent amount in foreign currency. Number of monthly repayments may be 12, 18, 24 or 36 months. 6.2.2. Automatic Equal Billing Plan (Automatický nákup na splátky) Upon the Client s request, the Special Billing Plan Automatic Equal Billing Plan may automatically include all Payments for Goods and Services and Cash Withdrawals fulfilling the criteria agreed between the Client and the Bank. In his/her instruction to include the Card Transactions into this type of Special Billing Plan, the Client shall primarily indicate the minimum amount of the Card Transaction and the required number of monthly repayments. The Bank shall notify the Client in an appropriate manner about the date from which the required Card Transactions will be included in this plan. The minimum amount of the Card Transaction that may be included in this type of the Special Billing Plan is CZK 2,000 or equivalent amount in foreign currency. Number of monthly repayments may be 12, 18, 24 or 36 months. The Client may at any time revoke the inclusion of the Card Transactions in this type of Special Billing Plan. The Bank shall notify the Client in an appropriate manner without undue delay about the date from which the required Card Transactions will no longer be included in this type of the Special Billing Plan. The Card Transactions included in this type of the Special Billing Plan before the cancellation will remain included in this type of the Special Billing Plan. 6.2.3. Cash on Phone (Hotovost na zavolanou) Upon the Client s request, the Special Billing Plan Cash on Phone may include the Wire Transfer debited from the Special Billing Plan Account. The application for such inclusion must be lodged by the Client at the latest together with the instruction for the Wire Transfer. The amount of such a Card Transaction must be at least CZK 5,000 and the repayments can be spread over to 12, 18, 24, 36, 48 or 60 months. 77 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

6.2.4. Extra Cash on Phone (Extra hotovost na zavolanou) Upon the Client s request, the Special Billing Plan Extra Cash on Phone may include the Wire Transfer debited from the Special Billing Plan Account using the Special limit. The request for approval of the Special Limit must be lodged by the Client along with the relevant instruction for Wire Transfer and request for inclusion of the Card Transaction in this type of Special Billing Plan. The amount of such a Card Transaction must be at least CZK 20,000 and the repayments can be spread over to 12, 24, 36, 48 or 60 months. 6.2.5. Consolidation with the Citi Credit Card (Konsolidace se Citi kreditní kartou) Upon the Client s request, the Special Billing Plan Consolidation with the Citi Credit Card may include the Wire Transfer debited from the Special Billing Plan Account using the Special Limit for the purpose of settling the loan with another financial institution or termination of the credit relationship with such an institution. The request for approval of the Special Limit must be lodged by the Client along with the relevant instruction for Wire Transfer and request for inclusion of the Card Transaction in this type of Special Billing Plan. The amount of such a Card Transaction must be at least CZK 50,000 and the repayments can be spread over to 12, 24, 36, 48 or 60 months. 6.2.6 Balance Conversion (Zůstatek na splátky) Upon the Client s request, the Special Billing Plan Balance Conversion can include all currently unpaid Card Transactions, and the Special Billing Plan shall be divided into parts A and B as follows (i) the Balance Conversion A plan shall include the total amount of Payments for Goods and Services, and: (ii) the Balance Conversion B plan shall include the total amount of Cash Withdrawals and Wire Transfers debited from the Card Account, with the amounts being equal to the currently unpaid principal of the transactions as of the date of the request for inclusion in these Special Billing Plans. The minimum owed amount that can be included in each of the aforementioned types of this Special Billing Plan is CZK 2,000 or its equivalent in a foreign currency. The number of monthly payments can be 12, 18, 24, or 36 months. 6.2.7. Replacement of the Special Billing Plan (Nahrazení Programu splátek) If the Client requests that the Card Transaction be included in the Special Billing Plans Cash on Phone, Extra Cash on Phone or Consolidation with the Citi Credit Card ( New Plan ) in a situation where the Special Billing Plan Account holds other Claim from the Card arisen from the Card Transaction that has been originally included into the Special Billing Plans of the same type ( Original Plan ), the Client may request that outstanding amount of the Card Transaction, included in the Original Plan, be amortized by the Card Transaction included in the New Plan and the remaining amount of the Card Transaction be transferred to the Account designated by the Client as per paragraph 3.3.1(c). PRODUCT CONDITIONS FOR CITI CREDIT CARDS 78

6.3. Minimum Amount Due The Minimum Amount Due specified in the Card Account Statement is determined on the basis of the sum of the following amounts: 3.2% of the Total Amount Due, 100% of the regular Special Billing Plan Repayments (excluding the Early Special Billing Plan Repayments) 100% of interests during the last billing period, 100% of the amount by which the Credit Limit is exceeded, 100% of all outstanding Minimum Amounts Due from the previous Card Account Statements, 100% of all contractual penalties or CZK 200, whichever of the aforementioned figures is higher, however not more than the Total Amount Due (all values are set as of the Card Account Statement date). The Bank shall be entitled to reduce the amount of the Minimum Amount Due. This reduced amount of the Minimum Amount Due shall be announced by the Bank to the Client in the Card Account Statement. 6.4. Repayments of the Special Billing Plan If the Card Transaction has been included in the Special Billing Plan, the Client authorizes the Bank to execute regular monthly repayments of this Claim from the Card. Repayments are made by transfer from the Card Account ( Repayments of the Special Billing Plan ) to the credit of the Special Billing Plan Account, as of the due date which is typically the Card Account Statement date. Repayments are made this way until the entire amount of the relevant Claim from the Card is paid in full. The Repayment debited from the Card Account is a part of the Total Amount Due of the Card Account and the Client is obliged to pay it as per Articles 6.1 and 6.3. Repayments of the interests and of the principal within the Special Billing Plan are listed separately in the Card Account Statement. 6.5. Early Repayment, change of the Repayment Period Within the Special Billing Plan, the Client may use the CitiPhone service to apply for the following: (a) payment of the Early Repayment of the Special Billing Plan ( Early Repayment of the Special Billing Plan ) on condition that the Client has paid minimum payment by the Due Date as per the last Card Account Statement and has also followed the instructions given via the CitiPhone service, or (b) modification of the period (number of months) for repaying of the Special Billing Plan. The application must include all the information specified in Article 6.2 for the new variant of repayment. In the event of the Early Repayment of the Special Billing Plan, the Client is obliged to reimburse the Bank for the costs associated with such repayment under the List of Charges. The full early repayment of the Special Billing Plan is also considered as the Early Repayment of the Special Billing Plan. The early repayment as per this paragraph for the purpose of these the Product Conditions is construed as a new Card Transactions of the same kind (as per paragraph 3.3.1) as the original Card Transaction, which was included in the Special Billing Plan and which is being repaid by this early repayment. The Client s application for modification of the repayment period within the Special Billing Plan may be rejected by the Bank under the conditions given in paragraph 10.2, which 79 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

shall be communicated to the Client via CitiPhone, Citibank Online or in another manner permitted by the Bank. If the Client s application is granted, the Bank shall inform the Client of the new amount and number of Repayments via the Card Account Statement. 6.6. Exclusion of the Card Transactions from the Special Billing Plan In reference to the Bank s Duty to Proceed Prudently, the Bank is entitled, any time, at its own discretion and without prejudice to any of its other rights, to exclude any Card Transaction from the Special Billing Plan and to require repayment of any Claims from the Card pertaining to the Card Transactions included in the Special Billing Plan, in particular if: (i) the Client has violated the rules applicable to the repayment of the Claims from the Card, (ii) the Client s right to use the Card has been suspended or limited, or (iii) the Event of Default has occurred with respect to any contractual relationship between the Client and the Bank. All the Card Transactions are excluded from the Special Billing Plan in the case of the Agreement termination. As a result of the exclusion all the Card Transactions from the Special Billing Plan, the total amount of Claims from these Card Transactions will be debited from the Card Account; for the purpose of these Product Conditions, such Card Transactions will be construed as the Early Repayments of the Special Billing Plan. 6.7. Payments via the Direct Debit Order 6.7.1. Establishing the Direct Debit Order Using CitiPhone, Citibank Online or in another manner permitted by the Bank, the Client may at any time apply for setting of the payment of the Claims from the Card by the Direct Debit Order from the Payment Account with any bank in the Czech Republic, where the Client may choose the direct debit of the payment (a) at the amount of the Total Amount Due as of date of the relevant Card Account Statement or (b) at the amount of the Minimum Amount Due stated in the Card Account Statement. To set the Direct Debit Order, the Client shall: (i) inform the Bank of the required amount of the payment, as per Items (a) and (b) above, (ii) designate the Payment Account number and the bank code, (iii) to grant the bank administering the Payment Account the consent with the Direct Debit as per the instructions given by the Bank. 6.7.2. Execution of the Direct Debit Order In the event of payment by the Direct Debit Order, the Bank shall send the order so that the payments from the Payment Account held with the Bank are sent on the Due Date or the payments from the Payment Account held with other bank are sent three Business Days in advance of the Due Date. If the Client chooses the instalment of the Total Amount Due but the Direct Debit Order is rejected by the bank that administers the relevant Payment Account, the Client shall accept that the Bank execute the Direct Debit at the amount of the Minimum Amount Due. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 80

Without prejudice to other provisions and the Client s obligations hereunder, the Bank is entitled to reduce the amount of the Direct Debit Order if it keeps track of an outstanding overdue Claim from the Card as of the Direct Debit Order date. The Client agrees that the Bank may issue such an order repeatedly if it was originally rejected by the bank which administers the relevant Payment Account. 6.7.3. Rejection of the Direct Debit Order If the Direct Debit Order is rejected by the bank which administers the Client s current account, the Client shall pay the Minimum Amount Due in any other method by the Due Date. 6.7.4. Cancelling the Direct Debit Order If the bank that administers the relevant Payment Account rejects the Direct Debit Order in two consecutive months, the Client shall agree that the Bank may, at its discretion, cancel the setup of the repayment of the Claims from the Card in the form of the Direct Debit Order. The cancellation of this Direct Debit Order may be applied for by the Client at any time CitiPhone, Citibank Online or in another manner permitted by the Bank. 6.8. Acceptance of Payments The Bank has the exclusive right to allocate all payments it receives to the Claims from the Card and to do so in a manner and order which the Bank deems convenient, irrespective of how the Client or other persons may identify the payment concerned. The Bank will usually proceed so that the payments received will be first used to cover the Claims from the Card which bear no interest (i.e. interests, fees, etc.), then to cover any Claims from the Card in order of interest rate relevant for the Card Transaction on the basis of which the Claim has arisen in order from the lowest to the highest interest rate. 6.9. Payments in Czech Crowns The Client is obliged to make every payment to the credit of the Card Account under these Product Conditions in Czech Crowns. 6.10. VAT Payment Irrespective of the provisions of Article 6.1, the Client is obliged to pay in addition to all other amounts due under these Product Conditions all taxes from the goods and services concerned (VAT); this also applies to all taxes of similar nature which may replace such a tax or be imposed along with it, irrespective of the name thereof, imposed by the law, from all amounts payable to the Bank, from the amounts paid or owing and from all expenses incurred in connection with the products and services provided under these Product Conditions (only in the amount permitted by the law). 81 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

7. INTERESTS AND FEES 7.1. Interests The Client is obliged to pay the Bank the interests on each Claim from the Card arising from the Card transaction from the date of its charging until its full repayment. The interest is calculated on a daily basis of the current amount of the Claim from the Card as of the relevant day. The interest rate, unless otherwise agreed between the Bank and the Client, is determined in the List of Charges depending on the Card Transaction type or on the method of repaying such a Claim from the Card. All and any interests which the Bank will be entitled to under these Product Conditions shall be calculated based on a period of 360 days. 7.1.1. Cash Withdrawals In the case of Cash Withdrawal, the Claim from the Card arising from such a Card Transaction bears the interest rate assigned to the Cash Withdrawals for a period from the date of charging the Card Account until the day preceding the date of full repayment. 7.1.2. Payments for Goods and Services In the case of Payment for Goods and Services, the Claim from the Card arising from such a Card Transaction bears the interest rate assigned to the Payment for Goods and Services applicable for partial payment of the Total Amount Due for a period from the date of charging the Card Account until the day preceding the date of full repayment. The aforementioned provisions do not apply, i.e. the Claim from the Card arising from such a Card Transaction bears no interest rate, if the Client by the Due Date repays the entire Total Amount Due as per the Card Account Statement which indicates the relevant Card Transaction. 7.1.3. Wire Transfers debited from the Card Account CitiCash (CitiHotovost) In the case of Wire Transfer debited from the Card Account CitiCash, the Claim from the Card arising from such a Card Transaction bears the interest rate assigned to the CitiCash for a period from the date of charging the Card Account until the day preceding the date of full repayment. The Bank and the Client may agree via CitiPhone or Citibank Online on a special interest rate for the specific Wire Transfer. 7.1.4. Wire Transfers debited from the Special Billing Plan Account The Claims from the Card arising from the Card Transactions included to the Special Billing Plan are, in their balance evidenced on the Special Billing Plan Account, subject to special interest rate assigned individually for each Card Transaction included to the Special Billing Plan based on the Client s request in accordance with paragraph 2.6. The interest is calculated from the charging date of the Claim from the Card arising from the relevant Card Transaction to the Special Billing Plan Account until the date preceding the day when this Claim from the Card is fully repaid. In the event that the loan relationship or the relationships for which the Card Transaction was intended do not cease to exist within 60 calendar days from the date of including the Card Transaction into the Special Billing Plan Consolidation with the Citi Credit Card, the Claims from the Card, arising from PRODUCT CONDITIONS FOR CITI CREDIT CARDS 82

this Card Transaction at the amount of their balance registered on the Special Billing Plan Account, will bear the interest rate applicable for the Payments for Goods and Services as per the List of Charges. 7.1.5. Repayments of the Special Billing Plan If the Client fails to pay the entire amount of the Minimum Amount Due by the Due Date as per the Card Account Statement which indicates the relevant repayment within the Special Billing Plan amortizing the principal of the relevant Claim from the Card ( Repayment of the Special Billing Plan Principal ), the unpaid portion of the Repayment of the Special Billing Plan Principal shall be subject to interest from the day it was posted to the Card Account until the day preceding the full repayment thereof; the interest rate in this case and the method of interest calculation are specified in paragraphs 7.1.1 to 7.1.3 pertaining to the original Card Transaction assigned to the Special Billing Plan. If the aforesaid original Card Transaction was a Wire Transfer debited from the Special Billing Plan Account, paragraph 7.1.3 shall apply. 7.1.6. Early Repayments of the Special Billing Plan The unpaid portion of the Early Repayment of the Special Billing Plan shall bear the interest rate as per paragraphs 7.1.1 to 7.1.3 pertaining to the original Card Transaction assigned to the Special Billing Plan which is being repaid by this early repayment. If the original Card Transaction was the Wire Transfer debited from the Special Billing Plan, Article 7.1.3 shall apply. 7.1.7. Overdue claims If the Client fails to pay the Minimum Amount Due by the Due Date stated in the relevant Card Account Statement, he/she shall pay the contractual penalty for a late payment as per the List of Charges. In this case, the Claims from the Card are subject to the same interest as defined in paragraphs 7.1.1 to 7.1.6. 7.1.8. Other Claims from the Card Claims from the Card arisen otherwise than through the Card Transaction (i.e. interests, fees and charges, contractual penalties, etc.) are not subject to any interest. 7.1.9. Credit Balance The Card Account credit balances shall not bear any interests. 7.2. Fees and Charges The Bank is entitled to charge the Client the fees and contractual penalties related to the issuance and use of the Card, or Additional Services and related to the use of various methods of communication between the Client and the Bank. Amounts and types of fees/ charges and contractual penalties are defined in the List of Charges. Unless otherwise stipulated in the List of Charges: (a) the monthly fee is charged by the Bank for the relevant billing period retrospectively and (b) the annual fee is charged by the Bank for the following 12 months in advance. The Card maintenance fee is charged to the Client for specific benefits and services related to the Card Type including the compensation of the expenses the Bank incurs in relation to the issuance and administration of a plastic or another Card Form. This fee can be charged for the entire duration of the Agreement, irrespective of whether the Card has been activated and used or not. 83 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

The Bank is entitled to charge the Client the compensation of the expenses related to the acts that are not included in the List of Charges and that are provided based on the Client s request. The Client shall be informed by the Bank about the amount of such expenses in advance and Client shall agree with it. 8. TERMINATION OF AGREEMENT AND CANCELLATION OF THE CARD ACCOUNT 8.1. Termination of the Agreement by notice and consequences thereof 8.1.1. The Client is entitled, at his/her own discretion, to terminate the obligation arising from the Agreement by a written notice at any time, without giving reasons for such decision and without incurring any liabilities. The notice period shall be 1 month from the day following the date this notice is delivered to the Bank. 8.1.2. The Bank is entitled, at its own discretion, to terminate the obligation arising from the Agreement by a written notice at any time, without giving reasons for such decision and without incurring any liabilities. The notice period shall be 2 months from the day following the date this notice is delivered to the Client. 8.1.3. Termination of the obligation arising from the Agreement by Notice is without prejudice to the Client s debts towards the Bank (obligations primarily involving outstanding Claims from the Card or other receivables) incurred during the existence of the Agreement. These debts shall continue to be governed by the Agreement. Termination of the Agreement by notice has the following consequences: (a) as of the Agreement termination, the effects of exclusion of the Card Transactions from the Special Billing Plan arise as per paragraph 6.6, (b) all Claims from the Card are due and payable by the Due Date stated in the first Card Account Statement issued after the date of termination of the obligation arising from the Agreement. 8.2. Withdrawal from the Agreement and consequences of thereof The Client is entitled at his/her own discretion and without incurring any liabilities terminate the obligation arising from the Agreement by withdrawal within 14 days from the date of the Agreement execution. If the obligation arising from the Agreement has been terminated by withdrawal, (a) the effects of the exclusion of the Card Transactions from the Special Billing Plan as per paragraph 6.6 arise as of the date of the termination of the obligation arising from the Agreement, (b) within 30 days from the date of sending the notice of withdrawal, the Client is obliged to pay the Bank the amount corresponding to the volume of all outstanding Card Transactions increased by the interest the Bank would have been entitled to had the withdrawal from the Agreement not occurred, for the period from the date on which the respective Card Transactions were charged to the date preceding the date on which they were repaid in full. 8.3. Automatic termination of the Agreement The obligation arising from the Agreement shall terminate if one of the following situations arises: PRODUCT CONDITIONS FOR CITI CREDIT CARDS 84

(a) the Client has not executed any Card Operation with the Card for last 24 months; the obligation arising from the Agreement will cease with the expiry of this period in case that all the Claims from the Card are settled; (b) the Card validity period expires, the Client is not issued the renewed Card and all the Claims from the Card are settled; 8.4. Returning the Card The Card remains the property of the Bank under all circumstances and it is not transferable. If the obligation arising from the Agreement is terminated as per this Article, the Client shall immediately return the card to the Bank (and/or the Supplementary Card if any) cut in two pieces. 8.5. The Credit Balance as of the Agreement termination date If the Card Account as of the date of termination of the obligation arising from the Agreement shows a credit balance lower than CZK 100, the balance shall be used to reimburse the Bank for the costs and expenses incurred in relation to the termination of the Agreement. 8.6. Sustained Liabilities If the obligation arising from the Agreement is terminated by any party hereto, the Bank shall return to the Client a proportion of the Card maintenance (administration) fee charged or paid in advance for the relevant period. This aliquot part shall correspond to the portion of the fee specified for the period from the Agreement termination to the end of the period for which the fee has been charged or paid. Duties of the Client concerning the outstanding Claims from the Card shall survive the termination of the obligation arising from the Agreement. 8.7. Maintaining the information after the termination of the obligation arising from the Agreement The Bank is entitled to keep the personal information about the Client for a period of 4 years after the termination of the contractual relationship for the purpose of administration of the Card Account and offers of the Bank s products and services. During this period, the Bank may at any time contact the Client for the aforementioned purpose. 9. SUPPLEMENTARY CARD 9.1. Issuance of the Supplementary Card The Supplementary Cards may be issued to persons who apply to the Bank for the same with the Primary Cardholder, subject to the approval of such person by the Bank. Unless otherwise provided for in this Section, the provisions of these Product Conditions apply mutatis mutandis to the Supplementary Cardholder. 9.2. Contactless Payment Sticker A card issued as a contactless payment sticker shall be considered another Supplementary Card accompanying the Primary Card, regardless of whether it was issued for the Primary Cardholder or the Supplementary Cardholder. The sticker can be issued only for the Primary or Supplementary Card, not for another contactless payment sticker. 85 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

9.3. Charging the Card Transactions The Card Transactions executed on the basis of the Card Operations made through the Supplementary Card, and the Card Transactions executed on the basis of the Card Operations made through the Primary Card are all charged to the same Card Account. For the purpose of determining the exceeded limits or calculating the Available Limit, these Card Transactions shall be added up. 9.4. Use of Limits The Primary Card Limits shall also apply to the Supplementary Card. The Primary Cardholder may also determine a transaction limit for each Supplementary Card; this limit represents the maximum permissible amount of the Card Operations which are allowed to be made using the Supplementary Card during the billing period ( Monthly Limit for the Supplementary Card ). If the Monthly Limit for the Supplementary Card is exceeded without exceeding the Credit Limit, no consequences given in paragraph 4.6 shall apply. 9.5. Communication, notices All notifications, including the Card Account Statement and the CitiAlert messages will be sent or submitted in accordance with these Product Conditions only to the hands of the Primary Cardholder. All notifications sent or submitted to the Primary Cardholder or the Supplementary Cardholder shall be deemed sent or submitted to both. 9.6. Liability 9.6.1. Primary Cardholder s Liability The Primary Cardholder is liable for all and any Claim from the Card against the Supplementary Cardholder. The Primary Cardholder is responsible for the entire Total Amount Due under paragraph 6.1, irrespective of whether it is made by charging the Card Transactions made through the Primary Card or through the Supplementary Card. 9.6.2. Supplementary Cardholder s Liability The Supplementary Cardholder is held liable only for the portion of the Total Amount Due or the Debit Balance of the Special Billing Plan Account which pertains to his/her Supplementary Card; he/she is not liable for the portions of the Total Amount Due or the Debit Balance of the Special Billing Plan Account which pertain to the Card that has been issued to the Primary Cardholder or to another Supplementary Card under the same Primary Card. 9.6.3. Relieve or Waiver of Responsibility No relieve or waiver of responsibility by the Supplementary Cardholder for any reason whatsoever shall affect the rights and obligations of the Primary Cardholder or the Bank s rights and remedies towards the Primary Cardholder and vice versa. 9.6.4. Rights not affected by raising a claim or set-off of claims All rights and obligations which may be claimed against the Bank on the basis of these Product Conditions by the Primary Cardholder and the Supplementary Cardholder shall not be affected by any dispute or claim, or right for the set-off of claims which may occur between the Primary Cardholder and the Supplementary Cardholder. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 86

9.7. Disclosing information about the Primary Cardholder The Bank is entitled to communicate at its sole discretion the necessary data regarding the Primary Cardholder or the Card Account to the Supplementary Cardholders in the execution of their rights in accordance with these Product Conditions. 9.8. Blocking the Supplementary Card The Bank shall block the Supplementary Card without undue delay if requested so by its holder or the Primary Cardholder. The Primary Cardholder is the only person to apply to the Bank for unblocking the Supplementary Card. 9.9. Cancellation of Supplementary Card The Primary Cardholder and/or the Supplementary Cardholder are separately entitled at any time and with immediate effect to cancel the use of the Supplementary Card by written instruction delivered to the Bank. The relevant obligations of the Primary Cardholder and the Supplementary Cardholders arising from these Product Conditions shall remain in effect irrespective of whether the Supplementary Card is cancelled. 10. POWERS 10.1. Change in the Card Account number, issuance of the Replacement Card, change in the Card Type 10.1.1. Upon the Client s request or at any other time for the sake of the Card s safety or for any other serious reasons without inflicting any responsibility upon the Bank, the Bank may change the Card Account number and/or issue the Replacement Card and transfer the Card Account balance or the Special Billing Plan Account balance and all the Card Transactions pertaining to the original Card Account or the Special Billing Plan Account to a new account. In such a case, the Client shall immediately return the original Card cut in two parts to the Bank. Upon the Client s request, the Bank may change the Card Type and in connection thereto issue a Card in the form of a transfer from another Card Type. The conditions of the aforesaid transfer shall apply mutatis mutandis. The request under this Article shall be lodged by the Client via CitiPhone, Citibank Online or in another manner permitted by the Bank. The Bank has the right to change the Card Type and the related benefits as laid out in the Benefit Program at any time and to issue a new Card for the Client in the form of a transfer from another Card Type as long as the fees, interest, contractual penalties and other essentials of the Agreement are unchanged. 10.1.2. The Client s rights and obligations arising from these Product Conditions shall not be affected by any change in Card Account number or the Card Type, and the Product Conditions and all other previously executed Card Operations and/ or other Payment Orders, received by the Bank in relation to the previous Card Account or Card Type, shall remain valid. 10.2. Client s application rejection The Bank may refuse any application of the Client concerning the increase in the Credit Limit or the Cash Limit, the provision of or increase in the Special Limit, the inclusion of the Card Transaction in the Special Billing Plan or any other request under these Product Conditions if the acceptance of such an application or request would be in conflict with the Bank s Duty to Proceed Prudently, particularly if: 87 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

(a) if any of the conditions for blocking the Card or rejection of execution of the Payment Order under these Product Conditions, Rules or the Conditions apply, (b) the application or contents thereof do not comply with the Agreement, or (c) based on the information available to the Bank, the acceptance of such an application or request would be inconsistent with the Client s financial position. 10.3. Right to Set-off the Claims 10.3.1. In the Event of Default, the Bank shall be entitled - without any notification and without incurring any liability whatsoever - to join or consolidate one or several Card Accounts and carry out a set-off, or make use of the resources available on the Card Accounts for the settlement of the Debit Balance on another Card Account. 10.3.2. If such a joining, consolidation or set-off requires the conversion from one currency to another, the Bank shall be entitled to carry out such a conversion according to the foreign exchange rate valid and Published by the Bank as of the date of such a conversion; the Client is responsible for any exchange rate risks and losses and for the bank charges that may be incurred in this respect. 11. DEFINITIONS Agreement means the Agreement on the Citi Credit Card between the Bank and the Client pursuant to paragraph 2.1. Available Cash Limit means the remaining unused portion of the Cash Limit, which can be drawn through the Cash Withdrawal or the Wire Transfer debited from the Card Account. Available Credit Limit means the remaining unused portion of the Credit Limit, which can be drawn through the Card Transactions debited from the Card Account. Available Limit means the Available Credit Limit and/or the Available Cash Limit applicable to the amount of the Card Operations executed. Bank s Duty to Proceed Prudently means the legal duty of the Bank to comply with applicable laws and regulations, particularly with Section 12 of Act No. 21/1992 Coll., on Banks, as amended, and the duty to prevent situations that may lead to the fulfilment of conditions for blocking the Card, refusal of the execution of the Payment Order or rejection of any application lodged by the Client under the Agreement. Benefit Program means a document Benefit Program for the Citi Credit Cards, Published by the Bank. Card means the Citi Credit Card issued under the Agreement. Card Account means the Bank s internal evidence PRODUCT CONDITIONS FOR CITI CREDIT CARDS 88

(i) of the Claims from the Card (exclusive of those registered on the Special Billing Plan Account) (ii) Client s claims against the Bank and the (iii) Card and other transactions executed in the course of using the Card. For the avoidance of doubt, the Card Account only keeps track of currently charged Claims from the Card, while the fact that a certain Claim from the Card was not charged is without prejudice to its existence and enforceability. Card Account Statement means a statement issued to the Card Account in accordance with the Article 5, which indicates, inter alia, the Total Amount Due and Special Billing Plan Account balance as of the statement date, as well as the amount of the Minimum Amount Due and its Due Date. Card Form means the Card Form as per paragraph 2.2 Card Operation means an operation performed using the Card, Card Account number, A-PIN code or otherwise (including the orders given via CitiPhone, Citibank Online or upon the request of a third party as a Payee), through which the Client make the Payment Order where the amount of the Card Operation, if defined by the Product Conditions, shall be construed as the amount of such a Payment Order. The Card Operation may also include the Card Transaction which is made by the Bank according to such a Card Operation, unless otherwise implied by the context of the relevant provision. Card Transaction means a Payment Transaction made on the basis of the Card Operation; individual types of the Card Transactions are set out in paragraph 3.3.1. Card Type means various types of the Card in accordance with paragraph 2.3, distinguished from each other by different types of Additional Services or by set of benefits listed in the Benefit Program, and by the interest rates, fees and other payments provided for in the List of Charges. Cash Limit means the maximum permissible amount of all the Claims from the Card arising from the Cash Withdrawals or the Wire Transfer except for those for which a Special Limit applies. Cash Withdrawal means a Card Transaction as per paragraph 3.3.1(b). CitiCash means a Wire Transfer debited from the Card Account. Claims from the Card means all the Bank s Claims (amounts due under the loan) incurred on the basis of the Card Transactions as well as all other claims incurred on the basis of the Agreement or in connection with the use of the Card (fees, charges, penalties, etc.). 89 PRODUCT CONDITIONS FOR CITI CREDIT CARDS

Conditions means the General Business Terms and Conditions for the Natural Persons, as Published by the Bank. Credit Limit means the maximum permissible amount of all the Claims from the Card, exclusive of those arising from the Card Transactions for which the Special Limit has been specified. Due Date or Due Day means the date specified in the Card Account Statement, by which the Minimum Amount Due is to be paid by the Client. Early Repayment of the Special Billing Plan means the amount credited to the Card Account using the procedure described in paragraph 6.5. Limit means the Credit Limit, Special Limit or Cash Limit. List of Charges means a document titled List of Charges for the Citi Credit Cards, Published by the Bank. Minimum Amount Due means the minimum payment mentioned in the Card Account Statement at the amount determined as per Article 6.3. Monthly Limit for the Supplementary Card means the monthly transaction limit for the Supplementary Card under paragraph 9.4. New Plan means the Special Billing Plan as per paragraph 6.2.6. Original Plan means the Special Billing Plan as per paragraph 6.2.6. Partner means the company which collaborates with the Bank in issuing the Cards and which provides the Client with the benefits pertaining to the use thereof. Payment for Goods and Services means a Card Transaction as per paragraph 3.3.1(a). Primary Card means the Card issued to the Client with whom the Bank has entered into the Agreement. Primary Cardholder means the person upon the application of whom the Bank issued the Primary Card. Product Conditions means these Product Conditions for the Citi Credit Cards, Published by the Bank. PRODUCT CONDITIONS FOR CITI CREDIT CARDS 90

Citibank Europe plc, a company established and existing under the laws of Ireland, with its registered office at North Wall Quay 1, Dublin, Ireland, registered in the Company Register in the Irish Republic under No. 132781, conducting business in the Czech Republic through Citibank Europe plc, organizační složka, with its registered office at Bucharova 2641/14, Prague 5, Stodůlky, postal code 158 02, ID No. 28198131, incorporated in the Commercial Register administered by the Municipal Court in Prague, Section A, File 59288. Member of Citigroup. The supervisory authority of Citibank Europe plc is the Central Bank of Ireland.

Repayment of the Special Billing Plan means the amount credited to the Card Account using the procedure described in paragraph 6.4. Repayment of the Special Billing Plan Principal means a portion within the Repayment of the Special Billing Plan as per paragraph 7.1.5. Replacement Card means the Card issued in the event of a loss or theft of the original Primary Card or the Supplementary Card. Reward means the rewards and other benefits in accordance with paragraph 2.5. Rules means the Payment System Rules released by the Bank, as Published by the same. SIPO Limit means the limit pursuant to Article 4.7 Special Billing Plan means a method of paying the Claims from the Card, as defined in paragraph 6.2. Special Billing Plan Account means the internal evidence kept by the Bank of the Claims from the Card, assigned to the Special Billing Plan as per Article 6.2. Special Limit means a special limit, which allows you to implement the specific Wire Transfer, without drawing from the Credit Limit. Supplementary Card means a card issued as per Article 9. Supplementary Cardholder means a person who was issued the Supplementary Card by the Bank on the basis of its application submitted along with the same of the Primary Cardholder. Total Amount Due means the amount of the Card Account balance (not including the Special Billing Plan Account balance). Wire Transfer means a Card Transaction as per paragraph 3.3.1(c). 91 PRODUCT CONDITIONS FOR CITI CREDIT CARDS