Common use of LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD Clause in Contracts

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows: a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request the 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows: a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request thedays 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows:other a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request thethe correction of an unauthorized or inadequately performed payment operation within a term which shall not exceed 13 months after the debiting date, to the extent that the payment operation is reflected in the information provided by the Bank, or that it made available. 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows: a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request the 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows: a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request thethe correction of an unauthorized or inadequately performed payment operation 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).

LOSS, THEFT AND UNAUTHORIZED USE OF THE CARD. 9.1. The Holder/Authorised user, if he/she finds the loss, theft, destruction, in the case of unauthorized use or other unauthorized use of the Card, and if he/she suspects that there might be a copy of the card, or if the confidentiality of the card PIN or of any personalized security element related to the card might have been compromised, must proceed as follows: a) Notify the Bank by telephone, without undue delay, at the telephone numbers provided by the latter according to section 9.3, of the occurred situations, by indicating the card number; b) Within three days after the telephone notification, to notify the Bank in writing regarding the occurrence of any of the aforementioned cases. 9.2. The Bank shall block the card immediately after it is notified by telephone as aforementioned. 9.3. For any situations, including emergency situations, the telephone number which the Holder / Authorized user can call is: 021/ 000.00.00 (regular-fee number) or to the number 08008 25742 (number free of charge from any network), available 24 hours a day). 9.4. If the Holder notifies transactions performed by the card which were not authorized by him/her / the Authorized user or which were not performed or inadequately performed, he/she is entitled to initiate the procedure of refusing the payment for the respective transactions, by filling in a special form, at the headquarters of the Bank, within 10 calendar days calculated after transmitting the bank statement in which they were shown. In case he could not be notified until the aforementioned deadline about these transactions, the Holder is entitled to request the 9.5. If it proves the existence of an unauthorized payment operation and without prejudice to point point 5.10.1 of the Account Operating Rules, the Bank must immediately: a) reimburse immediately to the Holder the amount corresponding to the respective unauthorized payment operation, but not later than the end of the next Business Day, once it has found or was notified about the operation, except when it has reasonable reasons to suspect that a fraud was committed and communicates these reasons, in writing, to the competent national authority; b) resume the debited payment account in the situation in which it would have been if the unauthorized payment had not been made, as the case may be; c) ensure the value date for crediting the Holder’s payment account is not after the date when the amount was debited. 9.6. The Bank may initiate a payment refusal to the accepting bank regarding a card transaction, even when there is no dispute between the trader and the card holder (e.g. in order to protect the integrity of the card system and promote the security of card transactions).