Common use of General card use conditions Clause in Contracts

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed. 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according to 3.1.8. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.9. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.10. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.11. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.12. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order. 3.1.13. The consent is deemed to be validly expressed in any of the following ways, depending on the type of a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.14. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case. 3.1.15. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buying 3.1.16. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.17. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelope. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS with a unique password, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated number mentioned in the same instructions or on the Bank's website. 3.1.18. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed. 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according toto the notes included on the Bank's website (xxx.xxxxxxxxx.xx.), in the section dedicated to cards. 3.1.8. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.9. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.10. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.11. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.12. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order. 3.1.13. The consent is deemed to be validly expressed in any of the following ways, depending on the type ofof transaction, including for situations where the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation. Thus: a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.14. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case., 3.1.15. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buyingbuying products and services which are forbidden by Romanian law. 3.1.16. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.17. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelopeBank. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS with a unique password, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated number mentioned in the same instructions or on the Bank's website. 3.1.18. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed. 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according toto the notes included on the Bank's website (xxx.xxxxxxxxx.xx.), in the section dedicated to cards. 3.1.8. The maximum limit amounts which are daily allowed for each type of card operation performed by the Holder / Authorized user are those indicated in the Tariff of Commissions, part of this Contract. 3.1.9. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.93.1.10. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.103.1.11. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.113.1.12. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.123.1.13. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order. 3.1.133.1.14. The consent is deemed to be validly expressed in any of the following ways, depending on the type ofof transaction, including for situations where the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation. Thus: a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.143.1.15. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case. 3.1.153.1.16. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buyingbuying products and services which are forbidden by Romanian law. 3.1.163.1.17. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.173.1.18. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelope. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS (standard rate) with a unique password, within maximum 30 days from the issue of the card, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated short number mentioned in 1884 (Orange, Vodafone, Telekom, RCS - RDS). The unique password consists of the same instructions or on unique code 01, followed by the last 6 digits of the card number and the last 4 of the CNP. For non-resident customers, the password shall consist of the last 4 characters of the identity document declared with Alpha Bank's website. 3.1.183.1.19. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- card-based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed. 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according toto the notes included on the Bank's website (xxx.xxxxxxxxx.xx.), in the section dedicated to cards. 3.1.8. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.9. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.10. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.11. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.12. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order.the 3.1.13. The consent is deemed to be validly expressed in any of the following ways, depending on the type ofof transaction, including for situations where the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation. Thus: a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.14. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case. 3.1.15. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buyingbuying products and services which are forbidden by Romanian law. 3.1.16. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.17. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelope. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS with a unique password, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated number mentioned in the same instructions or on the Bank's website. 3.1.18. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- card-based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed. 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according toto the notes included on the Bank's website (xxx.xxxxxxxxx.xx.), in the section dedicated to cards. 3.1.8. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.9. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.10. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.11. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.12. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order. 3.1.13. The consent is deemed to be validly expressed in any of the following ways, depending on the type ofof transaction, including for situations where the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation. Thus: a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.14. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case. 3.1.15. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buyingbuying products and services which are forbidden by Romanian law. 3.1.16. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.17. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelope. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS with a unique password, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated number mentioned in the same instructions or on the Bank's website. 3.1.18. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- card-based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.

General card use conditions. 3.1.1. The card must be used by the Holder/Authorized user only according to the present Contract. 3.1.2. The card is and remains the exclusive property of the Bank, is handed to the Holder and shall be immediately returned upon the first and simple request of the Bank. 3.1.3. The Holder/Authorized user must sign the card immediately after receiving it. 3.1.4. The Card/Additional Card may be used only by the Holder/ Authorized user on whose name it was issued. 3.1.5. The Card may be used in Romania and abroad. 3.1.6. The Card may be used at the traders that have a POS and/or an Imprinter logo, banks and ATMs which display the logo of Visa / MasterCard international organizations, as well as for Internet transactions, where the logo of Visa / MasterCard international organizations is displayed.display 3.1.7. For transactions performed with the Card, depending on the trading channel used and the technical capacities of the terminal used, the Customer has available a maximum number of unsuccessful attempts for each communication channel, according toto the notes included on the Bank's website (xxx.xxxxxxxxx.xx.), in the section dedicated to cards. 3.1.8. The card has a validity of 60 months starting with the date of issue. The expiry date is the last day of the card’s expiry month, date from which the card may no longer be used. The Holder/Authorized User shall return the expired card to the Bank, unless the card has previously been declared lost/stolen/destroyed. 3.1.9. The card may be used only within the limit of the Account liquidities or within the limit of the Facility expressly granted by the Bank to the Holder. 3.1.10. The Card may be used for obtaining information regarding the balance of the Account from the ATMs of the Bank, based on the PIN. 3.1.11. A payment operation is considered authorized if the Holder / Authorized user has expressed his/her consent for the performance of that operation. 3.1.12. For a payment operation within the scope of the Law on payment services, initiated by or through the payee in the context of a payment operation with the Card, and the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation, the Bank may block funds in the Holder's Account only if the Holder/Authorized User has given his/her consent regarding the exact value of the funds to be blocked. The Bank releases the funds blocked in the Holder's Account without undue delay, upon receiving information related to the exact value of the payment operation, and at the latest, after receiving the payment order. 3.1.13. The consent is deemed to be validly expressed in any of the following ways, depending on the type ofof transaction, including for situations where the exact value is not known at the time when the Holder/Authorized User gives his/her consent for the execution of the payment operation. Thus: a) In case of ATM or POS operations: by inputting the PIN and/or, as the case may be, by signing the receipt generated by the POS; In case of a small value Payment using the Contactless Technology, the valid consent of the Holder/Authorized User is considered the simple approach of the Contactless Technology Card to a terminal with contactless technology. The small value payment through the Contactless Technology may be done without the need to enter the PIN code and/or sign the receipt, which is issued as an option, depending on the settings of devices. b) In case of Internet or telephone, transactions, the consent is expressed by providing, as the case may be, one of the following elements: card number / holder’s name / CVV2/CVC code (3-digit code on the back of the card) / Holder’s address (as registered in the records of the Bank) / card expiry date; In the event that the Bank requires so, for the purpose of ensuring the security through the Internet, the consent may also be expressed by the use of certain unique codes at transaction level/static or dynamic passwords/any other verification keys agreed by the Customer in relation to the Bank, or submitted through any channel or application provided by the Bank and communicated to the Customer. The Customer undertakes to follow the Bank’s instructions in order to use the above elements referred to above. More information can be found on the website xxx.xxxxxxxxx.xx, as well as at the Bank's counters. c) If the data of the Card is written down in an invoice / receipt, etc: signature d) For certain types of traders (e.g., road tax, parking tax etc.) with the simple approach of the Card to the terminal, with or without entering the PIN code and/or, as applicable, signing the receipt generated by such device. e) Under a contract concluded between the payee and the Holder/Authorized User, which includes the latter's consent, in the form accepted by the Bank. 3.1.14. In the event of non-compliance, either intentionally, or with gross negligence, with the obligations under the Contract governing the use and issue of the Card, including the obligation to notify the Bank or the entity designated by it, without undue delay, as soon as becoming aware of the loss, theft, unauthorized use of his/her payment instrument or any other unauthorized use thereof, as well as taking all reasonable measures to keep the customized security elements secure, the use of the Card for making payments over the Internet is at full risk of the Holder, and the Bank is not liable for any fraud that may arise in this case. 3.1.15. The Holder / Authorized User cannot make Card payments for illegal purposes, including for buyingbuying products and services which are forbidden by Romanian law. 3.1.16. The card may be accompanied by additional benefit programs, developed by the Bank and updated from time to time, depending on the Bank's business decisions and policies, that the Customer will be informed about during the term of the Customer relationship by methods agreed upon by the Customer, through display at the Bank's offices and/or posting on the Bank's website at the address xxx.xxxxxxxxx.xx. 3.1.17. The PIN code related to the card issued may be made available to the Holder/Authorized User according to his/her option, either in electronic format by SMS (submitted directly or through third parties, selected and empowered by the Bank in this regard) at the telephone number declared to the Bank by the Holder/Authorized User, or in letter format, in a sealed envelopeBank. In order to receive the PIN code by SMS, the Holder/Authorized User shall send from the phone number declared to the Bank, an SMS with a unique password, in compliance with the instructions included in the cover letter accompanying the card, to the dedicated number mentioned in the same instructions or on the Bank's website. 3.1.18. In order to ensure an adequate protection of the Card Holder against unwanted consequences, created by the loss or theft of the card, Alpha Bank Romania has set maximum daily allowable limits per type of card- card-based operation performed by the Holder/Authorized User, that are available for consultation to card holders: through display in the Alpha Bank Romania Territorial Units, on the Bank's website - the Cards/Security section, by calling the Customer Support Service.