Common use of Card Blocking Clause in Contracts

Card Blocking. a measure generally consisting of a permanent restriction on the ability to carry out all Payment Transactions with the Card. The Card may be blocked by the Bank or upon request of the Cardholder, or possibly the Account Owner, under the conditions set forth in these Terms. Cash Advance – a cash withdrawal using the Card at select counters of banks or exchange offices at establishments bearing the “Cash Advance” designation. Cash Back – a cash withdrawal using the Card where the Merchant allows a Cardholder to withdraw cash when making a cashless Payment Transaction with the Card. The Cash Back service is available at all Merchants bearing the “Cash Back” designation. CVV2/CVC2 (Card Verification Value/Code) Dynamic Currency Conversion (DCC) – Service enabling the calculation of Payment Transaction amounts into the currency specified by the Cardholder. Such determination of the Payment Transaction amount is final and the specified currency becomes the currency of the Payment Transaction. In approving the Payment Transaction, the Cardholder confirms that he has been informed of the exchange rate being applied, any possible fees, and the final amount in the specified currency, regardless of the currency in which the Payment Transaction was originally entered. E-commerce transactions – Payment transactions performed without the physical presence of the Card, except for Payment Transactions initiated by swiping the Payment Device at a POS. E-commerce transactions shall also mean Mail Order/Telephone Order transactions and the like. Cash transaction – other than a cashless Payment Transaction; this concerns cash withdrawals from Imprinter – a mechanical sensor intended for Infoline – the telephone number which the Cardholder can use for telephone communication with the Bank; this is primarily used to report the loss, theft or abuse of the Card. The Infoline is listed on the Public Website of the Bank and is also listed by the Bank on documents pertaining to the Card. Unique identifier (hereinafter “Identifier”) – The sixteen-digit Card number which identifies the Cardholder and Card when entering Payment Orders and carrying out Payment Transactions; for some Payment Transactions specified by the Terms, the sixteen-digit Card number identifies the Owner of the Account for which the Card is issued as the recipient of the amount of such Payment transactions. Card – a means of electronic payment through which the Cardholder gives the Bank Payment Orders for the purpose of carrying out cash or cashless Payment Transactions, the amount of which is debited from the Account held at the Bank. Unless specified otherwise in the Terms, provisions concerning the Card (especially with respect to its issue, activation and use) also apply to Additional Cards. A Card is represented by a Plastic Carrier and a Virtual Card. Provisions of the Terms relating to the Card apply both to the Plastic Carrier and Virtual Card, unless explicitly stipulated otherwise. Credit Card Transaction – A payment transaction charged for the benefit of the Account, for which a Payment Order was made by the Merchant where the card was used to pay or a specific Payment Transaction charged for the benefit of the Account made through some card associations under the Payment Order of the payment card holder when the recipient is determined by an Identifier (Please see clause V. 13 of GTC) in the order to make such Payment Transaction. Card limit – the maximum amount which restricts the draw of funds from the particular Account via the Card for a specified period of time. The Bank establishes the Card Limit as separate standard transaction limits (i) for cash Payment Transactions Mail Order/Telephone Order (MO/TO transaction) – Payment orders for carrying out Payment Transactions with the Card without the presence of the Cardholder or Card (orders for goods/services placed through mail order, internet, etc.). Currency component – the currency of the Account activated for select Accounts. Replacement card – A Card issued by the bank to the Cardholder in the event the original Card is non- functional, not delivered, lost, stolen or abused. The replacement card is subject to identical terms of use as the original Card and includes both the newly issued Plastic Carrier and the updated Virtual Card. Medium –document with which the Card is handed over to the Holder. Among other, the medium contains information on activation. Merchant – every merchant of goods and provider of services (hotels, restaurants, stores, car rental companies, gas stations, telephone operators, postal service operators, etc.) which regularly accepts the Card as a means of payment for the purchased goods or services provided. Renewed card – a Card issued after the original Card has expired. The Renewed Card includes both the Plastic Carrier and the updated Virtual Card. PIN (Personal Identification Number) – the numeric personal identification code used exclusively by the Cardholder to approve Payment Transactions or to identify the Cardholder in association with other Card Use. Payment application – An application supported by the Bank allowing the applicant to make payment transactions debited from the Account on the basis of the Card’s registration in such application. The list of supported devices will be published by the Bank on the Website. Account – the account held at the Bank for which Card use – primarily carrying out cashless payments and Cash Transactions with the Card; this particularly concerns Payment Transactions made where the Card is physically present, as well as Payment Transactions made where the Card is not physically present. The term “transaction” is used for both of these operations. If the Terms mention “with the Card” in relation to the use of the Card, this is understood to be the direct use of the physical Card where data is stored in digital form, as well as the use of the numbers (e.g. their disclosure) which are displayed on the physical Card; transactions for which the Payment Order was made using the card are deemed to be Payment Transactions made via the Payment Application. Virtual Card – information derived from the Plastic Serious grounds – are actions by the Cardholder, or the rise of such circumstance entitling the Bank to proceed in accordance with paragraph XIII.2 of the Terms. Serious grounds are considered to be (i) insolvency proceedings initiated against the Account Owner, or bankruptcy declared on the Account Owner, (ii) rulings or executions carried out against the Account Owner as the obliged party, (iii) the Account Owner is late with the payment of any claims due to the Bank, (iv) fulfilment of the conditions entitling the Bank to Block the Card, (v) the provision

Card Blocking. a measure generally consisting of a permanent restriction on the ability to carry out all Payment Transactions with the Card. The Card may be blocked by the Bank or upon request of the Cardholder, or possibly the Account Owner, under the conditions set forth in these Terms. Cash Advance – a cash withdrawal using the Card at select counters of banks or exchange offices at establishments bearing the “Cash Advance” designation. Cash Back – a cash withdrawal using the Card where the Merchant allows a Cardholder to withdraw cash when making a cashless Payment Transaction with the Card. The Cash Back service is available at all Merchants bearing the “Cash Back” designation. CVV2/CVC2 (Card Verification Value/Code) Dynamic Currency Conversion (DCC) – Service enabling a three-digit security code printed on or next to the calculation of Payment Transaction amounts into signature strip on the currency specified by the Cardholder. Such determination back of the Payment Transaction amount is final and Card. For payments carried out without the specified currency becomes the currency presence of the Payment Transaction. In approving Card at a Merchant, e.g. for internet purchases, along with other information about the Card and/or the Cardholder serves additional identification purposes; by providing or entering this number and possibly other Card data, the Cardholder consents to carrying out the Payment Transaction, the Cardholder confirms that he has been informed if provision of the exchange rate being applied, any possible fees, and the final amount in the specified currency, regardless of the currency in which such details is required when authorising the Payment Transaction was originally entered. E-commerce transactions – Payment transactions performed without the physical presence of the Card, except for Payment Transactions initiated by swiping the Payment Device at a POS. E-commerce transactions shall also mean Mail Order/Telephone Order transactions and the likeTransaction. Cash transaction – other than a cashless Payment Transaction; this concerns cash withdrawals from ATMs or cash deposits using ATMs, Cash Advance or Cash Back transactions, transactions carried out in association with participation in betting games, especially for the purpose of purchasing cash convertible betting items (e.g. transactions carried out in casinos to purchase betting chips); whether a transaction carried out in association with betting is considered a cash transaction depends on the identification of the recipient of such transaction by the provider of payment services for the Payment Transaction in the system of the particular card association. Imprinter – a mechanical sensor intended for imprinting embossed Cards and the identification label of the Merchant on the sales receipt for cashless Payment Transactions or Cash Advances. Infoline – the telephone number which the Cardholder can use for telephone communication with the Bank; this is primarily used to report the loss, theft or abuse of the Card. The Infoline is listed on the Public Website of the Bank and is also listed by the Bank on documents pertaining to the Card. Unique identifier (hereinafter “Identifier”) – The sixteen-digit Card number which identifies the Cardholder and Card when entering Payment Orders and carrying out Payment Transactions; for some Payment Transactions specified by the Terms, the sixteen-digit Card number identifies the Owner of the Account for which the Card is issued as the recipient of the amount of such Payment transactions. Card – a means of electronic payment through which the Cardholder gives the Bank Payment Orders for the purpose of carrying out cash or cashless Payment Transactions, the amount of which is debited from the Account held at the Bank. Unless specified otherwise in the Terms, provisions concerning the Card (especially with respect to its issue, activation and use) also apply to Additional Cards. A Card is represented by a Plastic Carrier and a Virtual Card. Provisions of the Terms relating to the Card apply both to the Plastic Carrier and Virtual Card, unless explicitly stipulated otherwise. Credit Card Transaction – A payment transaction charged for the benefit of the Account, for which a Payment Order was made by the Merchant where the card was used to pay or a specific Payment Transaction charged for the benefit of the Account made through some card associations under the Payment Order of the payment card holder when the recipient is determined by an Identifier (Please see clause V. 13 of GTC) in the order to make such Payment Transaction. Card limit – the maximum amount which restricts the draw of funds from the particular Account via the Card for a specified period of time. The Bank establishes the Card Limit as separate standard transaction limits (i) for cash Payment Transactions and (ii) for cashless Payment Transactions, possibly even as a total transaction limit. Mail Order/Telephone Order (MO/TO transaction) – Payment orders for carrying out Payment Transactions with the Card without the presence of the Cardholder or Card (orders for goods/services placed through mail order, internet, etc.). Currency component – the currency of the Account activated for select Accounts. Replacement card – A Card issued by the bank to the Cardholder in the event the original Card is non- non-functional, not delivered, lost, stolen or abused. The replacement card is subject to identical terms of use as the original Card and includes both the newly issued Plastic Carrier and the updated Virtual Card. Medium –document with which the Card is handed over to the Holder. Among other, the medium contains information on activation. Merchant – every merchant of goods and provider of services (hotels, restaurants, stores, car rental companies, gas stations, telephone operators, postal service operators, etc.) which regularly accepts the Card as a means of payment for the purchased goods or services provided. Renewed card – a Card issued after the original Card has expired. The Renewed Card includes both the Plastic Carrier and the updated Virtual Card. PIN (Personal Identification Number) – the numeric personal identification code used exclusively by the Cardholder to approve Payment Transactions or to identify the Cardholder in association with other Card Use. Plastic Carrier – the Card issued in a physical form (plastic) to the Cardholder by means of the Medium. Point of sale (also abbreviated as “POS”) – an electronic payment terminal which reads data on the magnetic strip or chip of the Card, or Payment Device which is saved in electronic form for further processing. Payment application – An application supported by the Bank allowing the applicant to make payment transactions debited from the Account on the basis of the Card’s registration in such application. The list of supported devices will be published by the Bank on the Website. Payment device – A device equipped with the Payment Application and NFC technology, through which a Payment Order to make a Payment Transaction debited from the Account – the account held at the Bank for which can be entered. Card use – primarily carrying out cashless payments and Cash Transactions with the Card; this particularly concerns Payment Transactions made where the Card is physically present, as well as Payment Transactions made where the Card is not physically present. The term “transaction” is used for both of these operations. If the Terms mention “with the Card” in relation to the use of the Card, this is understood to be the direct use of the physical Card where data is stored in digital form, as well as the use of the numbers (e.g. their disclosure) which are displayed on the physical Card; transactions for which the Payment Order was made using the card are deemed to be Payment Transactions made via the Payment Application. Virtual Card – information derived from the Plastic Carrier, available to the Cardholder exclusively via Mobile Banking. The Virtual Card only allows for registering the Card in Payment Applications supported by the Bank. Serious grounds – are actions by the Cardholder, or the rise of such circumstance entitling the Bank to proceed in accordance with paragraph XIII.2 of the Terms. Serious grounds are considered to be (i) insolvency proceedings initiated against the Account Owner, or bankruptcy declared on the Account Owner, (ii) rulings or executions carried out against the Account Owner as the obliged party, (iii) the Account Owner is late with the payment of any claims due to the Bank, (iv) fulfilment of the conditions entitling the Bank to Block the Card, (v) the provisionprovision of false or incomplete information to the Bank or other fraudulent conduct.

Card Blocking. a measure generally consisting of a permanent restriction on the ability to carry out all Payment Transactions with the Card. The Card may be blocked by the Bank or upon request of the Cardholder, or possibly the Account Owner, under the conditions con- ditions set forth in these Terms. Cash Advance – a cash withdrawal using the Card at select counters of banks or exchange offices at establishments bearing the “Cash Advance” designation. Cash Back Additional card – a cash withdrawal using card issued by the Card where the Merchant allows a Cardholder to withdraw cash when making a cashless Payment Transaction Bank based upon an Agreement concluded with the Card. The Cash Back service is available at all Merchants bearing Account Owner to the “Cash Back” designation. CVV2Account for the person expressly designated/CVC2 (Card Verification Value/Code) Dynamic Currency Conversion (DCC) – Service enabling the calculation of Payment Transaction amounts into the currency specified authorised by the Account Own- er (“Additional Cardholder. Such determination of the Payment Transaction amount is final and the specified currency becomes the currency of the Payment Transaction. In approving the Payment Transaction, the Cardholder confirms that he has been informed of the exchange rate being applied, any possible fees, and the final amount in the specified currency, regardless of the currency in which the Payment Transaction was originally entered. ”) E-commerce transactions – Payment transactions performed without the physical presence of the Card, except for Payment Transactions initiated by swiping the Payment Device at a POS. E-commerce transactions shall also mean Mail Order/Telephone Order transactions and the like. Cash transaction – other than a cashless Payment Transaction; this concerns cash withdrawals from Imprinter – ATMs or cash deposits using ATMs, Cash Advance or Cash Back transactions, transactions car- ried out in association with participation in betting games, espe- cially for the purpose of purchasing cash convertible betting items (e.g. transactions carried out in casinos to purchase betting chips); whether a mechanical sensor intended for Infoline – transaction carried out in association with betting is considered a cash transaction depends on the telephone number which the Cardholder can use for telephone communication with the Bank; this is primarily used to report the loss, theft or abuse identification of the Card. The Infoline is listed on the Public Website of the Bank and is also listed by the Bank on documents pertaining to the Card. Unique identifier (hereinafter “Identifier”) – The sixteen-digit Card number which identifies the Cardholder and Card when entering en- tering Payment Orders and carrying out Payment Transactions; for some Payment Transactions specified by the Terms, the sixteen-digit Card number identifies the Owner of the Account for which the Card is issued as the recipient of the amount of such Payment transactionstrans- actions. Card – a means of electronic payment through which the Cardholder Card- holder gives the Bank Payment Orders for the purpose of carrying out cash or cashless Payment Transactions, the amount of which is debited from the Account held at the Bank. Unless specified otherwise other- wise in the Terms, provisions concerning the Card (especially with respect to its issue, activation and use) also apply to Additional Cards. A Card is represented by a Plastic Carrier and a Virtual Card. Provisions of the Terms relating to the Card apply both to the Plastic Carrier and Virtual Card, unless explicitly stipulated otherwise. Credit Card Transaction – A payment transaction charged for the benefit of the Account, for which a Payment Order was made by the Merchant where the card was used to pay or a specific Payment Transaction charged for the benefit of the Account made through some card associations under the Payment Order of the payment card holder when the recipient is determined by an Identifier Iden- tifier (Please see clause V. 13 of GTC) in the order to make such Payment Transaction. Card limit – the maximum amount which restricts the draw of funds from the particular Account via the Card for a specified period of time. The Bank establishes the Card Limit as separate standard transaction limits (i) for cash Payment Transactions Mail Order/Telephone Order (MO/TO transaction) – Payment orders for carrying out Payment Transactions with the Card without the presence of the Cardholder or Card (orders for goods/services placed through mail order, internet, etc.). Currency component – the currency of the Account activated for select Accounts. Replacement card – A Card issued by the bank to the Cardholder Cardhold- er in the event the original Card is non- non-functional, not delivered, lost, stolen or abused. The replacement card is subject to identical terms of use as the original Card and includes both the newly issued Plastic Carrier and the updated Virtual Card. Medium –document with which the Card is handed over to the Holder. Among other, the medium contains information on activation. Merchant – every merchant of goods and provider of services (hotels, restaurants, stores, car rental companies, gas stations, telephone operators, postal service operators, etcactiva- tion.) which regularly accepts the Card as a means of payment for the purchased goods or services provided. Renewed card – a Card issued after the original Card has expired. The Renewed Card includes both the Plastic Carrier and the updated Virtual Card. PIN (Personal Identification Number) – the numeric personal identification code used exclusively by the Cardholder to approve Payment Transactions or to identify the Cardholder in association with other Card Use. Payment application – An application supported by the Bank allowing the applicant to make payment transactions debited from the Account on the basis of the Card’s registration in such application. The list of supported devices will be published by the Bank on the Website. Account – the account held at the Bank for which Card use – primarily carrying out cashless payments and Cash Transactions with the Card; this particularly concerns Payment Transactions made where the Card is physically present, as well as Payment Transactions made where the Card is not physically present. The term “transaction” is used for both of these operations. If the Terms mention “with the Card” in relation to the use of the Card, this is understood to be the direct use of the physical Card where data is stored in digital form, as well as the use of the numbers (e.g. their disclosure) which are displayed on the physical Card; transactions for which the Payment Order was made using the card are deemed to be Payment Transactions made via the Payment Application. Virtual Card – information derived from the Plastic Serious grounds – are actions by the Cardholder, or the rise of such circumstance entitling the Bank to proceed in accordance with paragraph XIII.2 of the Terms. Serious grounds are considered to be (i) insolvency proceedings initiated against the Account Owner, or bankruptcy declared on the Account Owner, (ii) rulings or executions carried out against the Account Owner as the obliged party, (iii) the Account Owner is late with the payment of any claims due to the Bank, (iv) fulfilment of the conditions entitling the Bank to Block the Card, (v) the provision