Common use of Payment of dues to third parties Clause in Contracts

Payment of dues to third parties. Using the payment services The Customer-payer visits a branch or uses one of the Bank’s alternative channels to pay dues to a third-party payee who has concluded an agreement to this effect with the Bank, such as electricity, phone and water bills as well as VAT and social security dues etc. 6.3.3.1. The Payee shall be identified on the basis of a list of companies, organizations or public agencies that have concluded an agreement to this effect with the Bank. The dues of the debtor shall be identified to the Payee by means of a code or codes (numbers, symbols, letters and/or combination thereof), e.g. a phone bill may be paid upon notifying or entering the electronic payment code. In some cases identification of the Payee and his dues is carried out with the use of the “Single Payment Code”. It is expressly agreed that the combination of the said data (payee-code) notified by the Customer- payment services user to the Bank is the unique identifier. The previous subparagraph applies also to cases where, in the context of the “Payment of dues to third parties”, the payment order received by the Bank includes, besides the aforementioned data, any other detail/ information required for its execution that may not constitute the unique identifier. 6.3.3.2. a. The Customer-payer consents to the execution of the transaction in a different way, depending each time on his channel for communication with the Bank: • By an original and duly signed written document, if the transaction takes place at a Bank branch. At the branch the Customer may sign electronically by means of e-signature. • by using the appropriate means of identification specified in special agreements for alternative channels (e.g. PIN and card at ATM, user ID - password and OTP on e-banking etc.); • Consent for the execution of a payment transaction can also be given via the payment initiation service provider. The right of the Customer-payer to use a payment initiation service provider does not apply if the payment account is not electronically accessible.

Payment of dues to third parties. Using the payment services The Customer-payer visits a branch or uses one of the Bank’s alternative channels to pay dues to a third-party payee who has concluded an agreement to this effect with the Bank, such as electricity, phone and water bills as well as VAT and social security dues etc. 6.3.3.1. The Payee shall be identified on the basis of a list of companies, organizations or public agencies that have concluded an agreement to this effect with the Bank. The dues of the debtor shall be identified to the Payee by means of a code or codes (numbers, symbols, letters and/or combination thereof), e.g. a phone bill xxxx may be paid upon notifying or entering the electronic payment code. In some cases identification of the Payee and his dues is carried out with the use of the “Single Payment Code”. It is expressly agreed that the combination of the said data (payee-code) notified by the Customer- payment services user to the Bank is the unique identifier. The previous subparagraph applies also to cases where, in the context of the “Payment of dues to third parties”, the payment order received by the Bank includes, besides the aforementioned data, any other detail/ information required for its execution that may not constitute the unique identifier. . 6.3.3.2. a. The Customer-payer consents to the execution of the transaction in a different way, depending each time on his channel for communication with the Bank: •  By an original and duly signed written document, if the transaction takes place at a Bank branch. At the branch the Customer may sign electronically by means of e-signature. •  by using the appropriate means of identification specified in special agreements for alternative channels (e.g. PIN and card at ATM, user ID - password and OTP on e-banking etc.); •  Consent for the execution of a payment transaction can also be given via the payment initiation service provider. The right of the Customer-payer to use a payment initiation service provider does not apply if the payment account is not electronically accessible.

Payment of dues to third parties. Using the payment services The Customer-payer visits a branch or uses one of the Bank’s alternative channels to pay dues to a third-party payee who has concluded an agreement to this effect with the Bank, such as electricity, phone and water bills as well as VAT and social security dues etc. 6.3.3.1. The Payee shall be identified on the basis of a list of companies, organizations or public agencies that have concluded an agreement to this effect with the Bank. The dues of the debtor shall be identified to the Payee by means of a code or codes (numbers, symbols, letters and/or combination thereof), e.g. a phone bill xxxx may be paid upon notifying or entering the electronic payment code. In some cases identification of the Payee and his dues is carried out with the use of the “Single Payment Code”. It is expressly agreed that the combination of the said data (payee-code) notified by the Customer- payment services user to the Bank is the unique identifier. The previous subparagraph applies also to cases where, in the context of the “Payment of dues to third parties”, the payment order received by the Bank includes, besides the aforementioned data, any other detail/ information required for its execution that may not constitute the unique identifier. 6.3.3.2. a. The Customer-payer consents to the execution of the transaction in a different way, depending each time on his channel for communication with the Bank: • By an original and duly signed written document, if the transaction takes place at a Bank branch. At the branch the Customer may sign electronically by means of e-signature. • by using the appropriate means of identification specified in special agreements for alternative channels (e.g. PIN and card at ATM, user ID - password and OTP on e-banking etc.); • Consent for the execution of a payment transaction can also be given via the payment initiation service provider. The right of the Customer-payer to use a payment initiation service provider does not apply if the payment account is not electronically accessible.