Common use of MANAGEMENT OF THE CARD, INFORMATION RELATED TO THE CARD, PASSWORD AND PIN Clause in Contracts

MANAGEMENT OF THE CARD, INFORMATION RELATED TO THE CARD, PASSWORD AND PIN. 1. The Card is the property of the Bank, thus, the Cardholder is not allowed to transfer or lend the Card to other persons and shall store and maintain the Card. 2. When receiving the Card, the Cardholder shall affix his/her signature to the back of the Card to protect his/her Card. 3. The Cardholder should change PIN provided by the Bank before making any transaction and shall assume responsibility since the Cardholder receives the Card and/or PIN provided by the Bank. 4. The Cardholder is the only person to use the Card, PIN and/or OTP to make card transactions. 5. In case the Card/information related to the Card/OTP/PIN is lost/stolen, abused: - The Cardholder shall immediately notify the Bank via phones and re-confirm this confirmation in writing with the Bank. - The Cardholder shall provide information about time, place of card loss, information related to disclosed/stolen Card/OTP/PIN, latest transactions and other information at request of the Bank. 6. The Cardholder assumes responsibility for storing the Card, information related to the Card and securing OTP, PIN of the Card. Any use of the Card by the Cardholder or any other person to make card transactions, using PIN and/or OTP provided by the Bank, shall be deemed as transactions made by the Cardholder. 7. The Cardholder shall assume full responsibility for and compensate the Bank and/or the third party (if any) for damages arising from card transactions in the following cases: - The Cardholder commits fraud and/or negligence in manage, use of the Card, information related to the Card, OTP and PIN, including permission by the Cardholder for the third party to use the Card/information related to the Card, OTP and PIN. - The Cardholder fails to notify the Bank under this Article right after the Card/information related to the Card/OTP/PIN is lost/stolen/used by other persons without consent of the Cardholder. - The Card is used before the Bank confirms that the Bank handled the Cardholder's written notifications of card loss or unauthorized use of the Card/information related to the Card, disclosure/stealing of OTP/PIN, including but not limited to fraudulent transactions and/or fake signatures by any person. 8. When the Card/information related to the Card is lost/stolen/abused or PIN is disclosed, the Cardholder shall notify and apply to the Bank for Card (if any) re-issuance in writing or via phone. The Bank shall consider and decide to re-issue the Card. In case of re-issuance, the Cardholder shall pay lost card fee and card replacement fee under regulations of the Bank. If the lost Card or the Card whose PIN is disclosed (notified by the Cardholder to the Bank) is found or recovered, the Cardholder shall not use this Card and shall cut it in half and return to the Bank. 9. If the Card is retained at ATMs/CDMs/Merchants, the Cardholder shall perform procedures to notify card loss, change card number and/or apply for re-issue PIN. In case of application for re-issuance, the Cardholder shall pay card replacement/PIN re-issuance fee under regulations of the Bank. 10. The Bank has right to deliver the Card and PIN to the Cardholder in any delivery method that the Bank considers appropriate and safe.

MANAGEMENT OF THE CARD, INFORMATION RELATED TO THE CARD, PASSWORD AND PIN. 1. The Card is the property of the Bank, ; thus, the Cardholder is not allowed to transfer or lend the Card to other persons and shall store and maintain the Card. 2. When receiving the Card, the Cardholder shall affix his/her signature to the back of the Card to protect his/her Card. 3. The Cardholder should change PIN provided by the Bank before making any transaction and shall assume responsibility since the Cardholder receives the Card and/or PIN provided by the Bank. 4. The Cardholder is the only person to use the Card, PIN and/or OTP to make card transactions. 5. In case the Card/information related to the Card/OTP/PIN is lost/stolen, abused: - Actively change the PIN on the Timo App, or; - The Cardholder shall immediately notify the Bank and/or Timo channel via phones and re-confirm this confirmation in writing with the BankBank and/or Timo channel. - The Cardholder shall provide information about time, place of card loss, information related to disclosed/stolen Card/OTP/PIN, latest transactions transactions, and other information at request of the BankBank and/or Timo channel. 6. The Cardholder assumes responsibility for storing the Card, information related to the Card and securing OTP, PIN of the Card. Any use of the Card by the Cardholder or any other person to make card transactions, using PIN and/or OTP provided by the Bank, shall be deemed as transactions made by the Cardholder. 7. The Cardholder shall assume full responsibility and obligation for and compensate the Bank and/or the third party (if any) for damages arising from card transactions in the following cases: - The Cardholder commits fraud and/or negligence in manage, use of the Card, information related to the Card, OTP OTP, and PIN, including permission by the Cardholder for the third party to use the Card/information related to the Card, OTP and PIN. - The Cardholder does not actively change the PIN number on the Timo App to ensure benefits and security, or - The Cardholder fails to notify the Bank and/or Timo channel under this Article right after the Card/information related to the Card/OTP/PIN is lost/stolen/used by other persons without consent of the Cardholder. - The Card is used before the Bank confirms that the Bank and/or Timo channel handled the Cardholder's written notifications of card loss or unauthorized use of the Card/information related to the Card, disclosure/stealing of OTP/PIN, including but not limited to fraudulent transactions and/or fake signatures by any person. - The cardholder activates the card when the physical card has not been received. 8. When the Card/information related to the Card is lost/stolen/abused or PIN is disclosed, the Cardholder shall notify and apply to the Bank for Card (if any) re-issuance in writing or via phone. The Bank shall consider and decide to re-issue the Card. In case of re-issuance, the Cardholder shall pay lost card fee and card replacement fee under regulations of the Bank. If the lost Card or the Card whose PIN is disclosed (notified by the Cardholder to the Bank) is found or recovered, the Cardholder shall not use this Card and shall destruct/cut it in half and return to the Bankhalf. 9. If the Card is retained at ATMs/CDMs/Merchants, the Cardholder shall perform procedures to notify card loss, change card number and/or apply for re-issue PIN. In case of application for re-issuance, the Cardholder shall pay card replacement/PIN re-issuance fee under regulations of the Bank. 10. The Bank has right to deliver the Card and PIN to the Cardholder in any delivery method that the Bank considers appropriate and safe. 11. The Cardholder is fully aware that failure to comply with the security provisions set forth in this article will increase the Cardholder's liability for any unauthorized use of the Card. The Cardholder shall release the Bank from all liability in connection with damages resulting from or in connection with the Cardholder's failure to comply with the foregoing.

MANAGEMENT OF THE CARD, INFORMATION RELATED TO THE CARD, PASSWORD AND PIN. 1. 4.1 The Card is the property of the The Bank, ; thus, the Cardholder is not allowed to transfer or lend the Card to other persons and shall store and maintain the Card. 2. 4.2 When receiving the Card, the Cardholder shall affix his/her signature to the back of the Card to protect his/her Card. 3. 4.3 The Cardholder should change PIN provided by the Bank before making any transaction and shall assume responsibility since the Cardholder receives the Card and/or PIN provided by the Bank. 4. 4.4 The Cardholder is the only person to use the Card, PIN and/or OTP to make card transactions. 5. 4.5 In case the Card/information related to the Card/OTP/PIN is lost/stolen, abused: - Actively change the PIN on the Timo App, or; - The Cardholder shall immediately notify the The Bank and/or Timo Digital Bank via phones and re-confirm this confirmation in writing with the The Bank and/or Timo Digital Bank. , and; - The Cardholder shall provide information about time, place of card loss, information related to disclosed/stolen Card/OTP/PIN, latest transactions transactions, and other information at request of the The Bank and/or Timo Digital Bank. 6. 4.6 The Cardholder assumes responsibility for storing the Card, information related to the Card and securing OTP, PIN of the Card. Any use of the Card by the Cardholder or any other person to make card transactions, using PIN and/or OTP provided by the The Bank, shall be deemed as transactions made by the Cardholder. 7. 4.7 The Cardholder shall assume full responsibility and obligation for and compensate the The Bank and/or the third party (if any) for damages arising from card transactions in the following cases: - The Cardholder commits fraud and/or negligence in manage, use of the Card, information related to the Card, OTP OTP, and PIN, including permission by the Cardholder for the third party to use the Card/information related to the Card, OTP and PIN. PIN - The Cardholder does not actively change the PIN number on the Timo App to ensure benefits and security, or - The Cardholder fails to notify the The Bank and/or Timo Digital Bank under this Article right after the Card/information related to the Card/OTP/PIN is lost/stolen/used by other persons without consent of the Cardholder. - The Card is used before the Bank confirms that the Bank and/or Timo Digital Bank handled the Cardholder's written notifications of card loss or unauthorized use of the Card/information related to the Card, disclosure/stealing of OTP/PIN, including but not limited to fraudulent transactions and/or fake signatures by any person. - The cardholder activates the card when the physical card has not been received. 8. 4.8 When the Card/information related to the Card is lost/stolen/abused or PIN is disclosed, the Cardholder shall notify and apply to the The Bank for Card (if any) re-issuance in writing or via phone. The Bank shall consider and decide anddecide to re-issue the Card. In case of re-issuance, the Cardholder shall pay lost card fee and card replacement fee under regulations of the The Bank. If the lost Card or the Card whose PIN is disclosed (notified by the Cardholder to the Bank) is found or recovered, the Cardholder shall not use this Card and shall destruct/cut it in half and return to the Bankhalf. 9. 4.9 If the Card is retained at ATMs/CDMs/Merchants, the Cardholder shall perform procedures to notify card losscardloss, change card number and/or apply for re-issue PIN. In case of application for re-issuance, the Cardholder shall pay card paycard replacement/PIN re-issuance fee under regulations of the The Bank. 10. 4.10 The Bank has right to deliver the Card and PIN to the Cardholder in any delivery method that the The Bank considers appropriate and safe. 4.11 The Cardholder is fully aware that failure to comply with the security provisions set forth in this article will increase the Cardholder's liability for any unauthorized use of the Card. The Cardholder shall release The Bank from all liability in connection with damages resulting from or in connection with the Cardholder's failure to comply with the foregoing.