MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 Customer hasbeennotifiedofrejectedcardapplication,date Branch numberandname Granting To befilledinbythebank Signature Guardians' details Details ofcardapplied Underage applicant'sdetails Additional information The identificationnumberofthecardpicture (The securitylimitcanbesetattheintervalof20euros) Security limitsforATMuseinFinlandandabroad of cardtransactions Account inFinlandfordebiting Street address Profession/Position incompany Telephone home Last nameandfirstnames Monthly earnings,net a branch,IgivethelocationandnameofNordeabranchunder'Additionalinformation'. conditions, andacceptthemundertaketocomplywiththem.Thecardcontainsacontactlesspaymentfacility.willbepostedthecardholder.IfIpick upthecardat to thiscardagreement.ThetermsandconditionsareavailableatNordeabranches,inNetbankonNordea'swebsitenordea.fi.Wehavereadthe termsand reliable sources.AnapprovedcardapplicationformsanagreementbetweentheapplicantandNordeaBankAbp.ThetermsconditionsofAbp, areapplied companies belongingtothesamegroup,fromorganisationsprovidingcreditinformation,suchasinformationregisterofSuomenAsiakastietoOy,and/or fromother Nordea processespersonaldataneededforthegrantinganduseofcards.Theisobtainedfromapplicant,registersmaintainedby BankAbpand Last nameandfirstnames Nordea BankAbp Card number Specification dataofdocument NB! Bothguardiansmustsignthecardapplicationandatleastoneofthemaccompanyminorwhensubmittingapplication. Telephone work Mobile phonenumber Place anddate Place anddate Identity checkedfrom Granted The minorhasonlyoneguardian driving licence in Netbank I selectthePINmyself Rejected passport I wantaPINformedbythebank Nordea accountnoforATMuse Employment Credit informationchecked Regular employment added tothecard A picturecanbe identity card Personal identitynumber Telephone home EUR perday Cash withdrawals, Mobile phonenumber Mandate fromtheotherguardian PIN delivery Notified by;name Date Reason forchange Signature oftheunderageapplicant Signature Present employer/Educationalinstitution Online shopping Card applicationandagreement Minor's VisaDebit Temporary employment is known The customer Postal code Telephone work Place anddate Last nameandfirstnames Mobile phonenumber Granted by;signatureandnameinblockletters the account,EURperday ATM paymentsimmediatelydebitedto Nordea accountnofordebituse City Online useofthecardisnotallowed. Online useofthecardisallowed. is unknown The customer Telephone number the cardandacknowledgeitsreceipt. The cardholdermayinpersoncollect Personal identitynumber Student Language Personal identitynumber Telephone home No employment 1 (1) Bank MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 Details ofcardapplied Signature Guardians' details Underage applicant'sdetails Additional information The identificationnumberofthecardpicture (The securitylimitcanbesetattheintervalof20euros) Security limitsforATMuseinFinlandandabroad of cardtransactions Account inFinlandfordebiting Street address Profession/Position incompany Last nameandfirstnames Telephone home Monthly earnings,net a branch,IgivethelocationandnameofNordeabranchunder'Additionalinformation'. conditions, andacceptthemundertaketocomplywiththem.Thecardcontainsacontactlesspaymentfacility.willbepostedthecardholder.IfIpick upthecardat to thiscardagreement.ThetermsandconditionsareavailableatNordeabranches,inNetbankonNordea'swebsitenordea.fi.Wehavereadthe termsand reliable sources.AnapprovedcardapplicationformsanagreementbetweentheapplicantandNordeaBankAbp.ThetermsconditionsofAbp, areapplied companies belongingtothesamegroup,fromorganisationsprovidingcreditinformation,suchasinformationregisterofSuomenAsiakastietoOy,and/or fromother Nordea processespersonaldataneededforthegrantinganduseofcards.Theisobtainedfromapplicant,registersmaintainedby BankAbpand Last nameandfirstnames Nordea BankAbp NB! Bothguardiansmustsignthecardapplicationandatleastoneofthemaccompanyminorwhensubmittingapplication. Telephone work Mobile phonenumber Place anddate Place anddate The minorhasonlyoneguardian in Netbank I selectthePINmyself I wantaPINformedbythebank Nordea accountnoforATMuse Employment Regular employment added tothecard A picturecanbe Personal identitynumber Telephone home EUR perday Cash withdrawals, Mobile phonenumber Mandate fromtheotherguardian PIN delivery Signature oftheunderageapplicant Signature Present employer/Educationalinstitution Online shopping Card applicationandagreement Minor's VisaDebit Temporary employment Postal code Telephone work Place anddate Last nameandfirstnames Mobile phonenumber the account,EURperday ATM paymentsimmediatelydebitedto Nordea accountnofordebituse City Online useofthecardisnotallowed. Online useofthecardisallowed. Telephone number the cardandacknowledgeitsreceipt. The cardholdermayinpersoncollect Personal identitynumber Student Language Personal identitynumber Telephone home No employment Customer 1 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 or wherecarddata isgiventoacceptatransaction. credit transferorotherpaymentwhere thecardisconcretelypresent A cardtransactionisacashwithdrawal(inFinnish“Käteisnosto”), 2. Definitions These termsandconditionsareapplied tocardsprovidedbyNordea. 1. Scopeofapplication General cardtermsandconditions these termsandconditions,theFinnishversiontakesprecedence. In caseofdiscrepanciesbetweenthedifferentlanguageversions of conditions areprimarilyappliedtocardtransactions. terms andconditionsforservicesusedwithcards.Thecard and general termsandconditionsofpaymenttransmission,aswell any terms andconditionsappliedtothecreditaccount,Nordea'svalid terms andconditionsofthebankaccountlinkedtocardand/or the In additiontothesetermsandconditions,carduseissubjectthe • • • • • • • • • • include The facilitiesthatcanbecombinedintocardsasprovidedbyNordea kkv.fi/en Tel: +358(0)295053000(switchboard) 00531 Helsinki,Finland P.O. Box5 Finnish CompetitionandConsumerAuthority authority forconsumercustomers: In addition,theConsumerOmbudsmanservesassupervisory finanssivalvonta.fi/en E-mail: [email protected] Tel: +358(0)918351 00101 Helsinki,Finland Snellmaninkatu 6/P.O.Box103 Financial SupervisoryAuthority ecb.europa.eu Tel: +496913440 60314 FrankfurtamMain,Germany Sonnemannstrasse 22 European CentralBank(ECB) activities aresupervisedby: Nordea BankAbp'sandFinanceFinlandLtd'soperations registers ofsupervisedentities. have beenregisteredinECB'sandFinancialSupervisoryAuthority's Registration Office.NordeaBankAbpochFinanceFinlandLtd registered intheTradeRegistermaintainedbyFinnishPatentand Nordea BankAbpandFinanceFinlandLtdhavebeen nordea.fi/en tel: +358(0)2007000 00020 NORDEA Satamaradankatu 5,Helsinki 2858394-9 Business IdentityCode: Domicile Helsinki Nordea BankAbp cardholder canusetheservicesofNordeaandothercompanies. Ltd (hereinafter“Nordea”)includeoneormorefacilitieswithwhichthe The cardsofferedbyNordeaBankAbpandFinanceFinland travel accountfacility contactless paymentfacility loyal customerfacility membership facility international chargeandcreditcardfacility international ATMandpaymentcardfacility cashback inshops debit facility ATM cashdeposit ATM usefacility

nordearahoitus.fi tel: +358(0)91651 00020 NORDEA Aleksis Kivenkatu9,Helsinki 0112305-3 Business IdentityCode: Domicile Helsinki Nordea FinanceFinlandLtd

10.2018 terms andconditionsapplicabletocards Nordea BankAbp's Nordea, including thefacilitiesoftwoorseveralpayment cards. Credit/Debit cardisaninternationalcombination issuedby gets aninterest-bearingpayment period. once onacertainduedate.For creditcardthecardholderusually the caseofchargecardtotal sumofthebillmustbepaidat transactions madewiththecardmonthly oratsomeotherinterval.In Finnish cardcorporation.Thecardholder getsabillonthepayment Credit cardorchargeisaissuedbyaninternational cardholder's ownuse. not usethecardforpaymentofpurchasesintended purchases andbusinessactivitiesofacompany.Thecardholdermay a companyoranorganisation.Acorporatecardisusedforthe Corporate cardisachargecard,creditordebitgrantedto card transactiondebit. that theaccountalwayshaseuroamountcorrespondingto the bankhasexpiredatlatest.Thecustomerundertakestoensure this coverreservationwillfalloffaftertheholdperioddeterminedby removed whenthecorrespondingdebitentryisregistered.However, Cover reservation card type. is includedinthedebitorcreditfeatureofcard,dependingon contactless paymentfacilitysymbol.The The contactlesspaymentfacilityismarkedonthecardwitha Identification Number. contactless paymentfacility,thereisnoneedtokeyinthePersonal .Whenatransactionisacceptedwiththe payment transactionisacceptedbyholdingthecardcloseto Contactless paymentfacilitymeansacardwherethe customer card. other company'screditfacilityandbeamembershipand/orloyal company cooperatingwithNordea.Thecardcanalsoincludethe Co-branding card other applicationsthanthoseusedinpayments. applications usedatpaymentterminals.Thechipcanalsoinclude contains memory.ThechipcomprisesoneormoreEMVpayment Chip cardisaincludingsecurityprocessor,orchip,which a cardpurchase. connection withapurchase.Cashbackcanonlybeobtainedaspartof provider wherethecardholdercanmakecashwithdrawalinashop Cashback where carddataisgiventoacceptatransaction. payment madewiththecardwhereisconcretelypresentor Card transactionisacashwithdawal,credittransferorother the bank.AnEMVcardreadercanalsoupdatedataonachip. that readsthecarddataelectronicallyandsendspaymentdetailsto Card reader principal cardoraparallelcard. Cardholder isapersontowhomthebankhasgrantedeither can executeitspartofacardtransaction. Business dayisawhenNordeaopenforbusinesssothatit payment purposes,forexample,loadingoftalktime. personally makecashwithdrawalsandwhichcanbeusedfor ATM isanautomatictellermachinefromwhichthecardholdercan linked. Accountholder isapersonorcompanytowhoseaccountthecard codes). cardholder, acceptedbyNordeaforthispurpose(personalsecurity the cardholder,oridentificationathirdpartyhasgivento agreement onservicesusedwithaccesscodesbetweenNordeaand codes

isaserviceofferedbymerchantoranother isadeviceconnectedtoanATMorpaymentterminal meanidentificationdatainaccordancewiththe

is acardthatcarriesthenameorlogoof is madeatthetimeofapurchaseandnormally

2 (11)

MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 card hasbeenlinked. Payment account isabankaccount oracreditaccounttowhich Payee of theaccountholder. Parallel cardisagrantedtoanotherperson withthepermission as apersonauthorisedtousethe card,suchasafingerprint. cardholder's signatureandenabling theidentificationofcardholder approved byNordeaforeachserviceseparately,correspondingto the Other identifierapprovedbyNordea provided byNordea. taken withhisorherowndigitalcamerafromthephotogallery The cardholdercandesigntheappearanceofcardusingapicture Nordea's picturecardisapaymentorcreditdefinedbyNordea. from whichcardholderscanselectaphotofortheircards. Nordea's photogallery card. Nocardholder'snamewillbeprintedonthe whom NordeahasgrantedtheDepositCardwillbeprintedon of theorganisationorentrepreneur(applicantandaccountholder)to the company'scardatdepositATMsapprovedbyNordea.Thename from thecompany'sownbusinessoperationstoaccountlinked The DepositCardmayonlybeusedfordepositingcashaccrued Automatia Oy'sdepositATMsonacorporateaccountinNordea. an organisationwithwhichthecompanycanmakecashdepositsat Nordea BusinessDepositCardisacardgrantedtocompanyor physically present. concluding anagreementwithoutthepartiesbeingsimultaneously television, informationnetworksorothermeansthatcanbeusedfor Means ofdistancecommunication and havedifferentadditionalfacilities. payments andcashwithdrawals.Thecardsmaybeofdifferenttypes registered intheMastercardEuropesystem.Thecardcanbeusedfor Mastercard linked tocardsnamedbyNordeaseparately. a companycooperatingwithNordea.Theloyalcustomerfacilityis Loyal customerfacilityisamembershiporloyalof the credit. terms andconditionsofthecreditlinkedtocardrepayment jointly withtheprincipalcardholderisliableforcompliance Jointly andseverallyliablecardholder as Finland. payments andcashwithdrawalstoacertaingeographicalarea,such Geographical restrictionsmeansthatthecardholderrestrictscard or joint. a FirstCardchargecardorcreditcaneitherbeprivate,corporate withdrawals inadditiontomakingpayments.Thepaymentliabilityfor credit cardandatravelaccountallowingthecardholdertomakecash First CardisaninternationalMastercardorVisachargecarda together. international cardcompaniesMastercardandVisahavedeveloped EMV isapaymentsystemstandardbasedonchipcard,whichthe deposits onthepaymentaccountlinkedtocard. Deposit ATMisacashwhichcanbeusedtomake several kindsofdebitcardswhichincludedifferentadditionalservices. or ATMisindicatedwiththeMastercardVisalogo.Thereare The acceptanceoftheMastercardDebitorVisaatasalesoutlet Finnish “Käteistalletus”)onthepaymentaccountlinkedtocard. tarjoaminen”). Thecardcanalsobeusedtomakecashdeposits(in immediately andinfull(providingadebitcard,Finnish“Debit-kortin with thecardaredebitedtobankaccountlinked which hasbeenlinkedtothecustomer'saccount.Transactionsmade card isaninternationalpaymentandATMissuedbyNordea, Debit cardcanbelongtotheMastercardorVisasystem.Adebit isamerchantorserviceprovider whoreceivesacardpayment.

is aninternationalpaymentcardissuedbyNordeaand

isNordea'sowncollectionofdigitalphotos refers totelephones,mail,

isanotheridentifierthanaPIN isaparallelcardholderwho

10.2018 terms andconditionsapplicabletocards Nordea BankAbp's cardholder inawaythatiseasily recognisable. and nottowritedownthePINsent byNordeaorselectedthe party. Thecardholderundertakes todestroythePINsentbyNordea card orPINfromcomingintothe knowledge orpossessionofathird the cardandPINkeepthem in separateplacestopreventthe The cardholderistotakeallactions regardedreasonabletosafeguard together. so thattheycannotcomeintopossessionofathirdpartyandbeused The cardholdermustkeephisorhercardandPINinseparateplaces The cardholderundertakestosafeguardhisorhercardandPIN. 3.1. Safeguardingofthecard 3. Cardholder'sdutiesandliability The cardcanbeusedtomakepaymentsorcashwithdrawals. Electron isaninternationalpaymentandATMcardissuedbyNordea. bank accountfortransactionsthatwillbedebitedtotheaccount.Visa Visa Electronisadebitcard.Acoverreservationmadeonthe The cardcanbeusedtomakepaymentsorcashwithdrawals. Debit isaninternationalpaymentandATMcardissuedbyNordea. account fortransactionsthatwillbedebitedtothebankaccount.Visa Visa Debitisadebitcard.Acoverreservationmadeonthebank instrument forthepaymentoftravelpurchases. be usedintravelagenciesacceptingtheaccountasapayment Travel accountisaservicelinkedtoFirstCardwhichcan The creditaccountcanbeusedwithinthislimit. Spending limit party offeringpaymentservicesprofessionally. Service providerisacreditinstitution,paymentinstitutionorother company. Eachdebitentryconstitutesaseparatecardtransaction. accordance withtheagreementbetweencardholderanda products orservicesanddebitedtoanaccountatregularintervalsin Recurring paymentisachargedforthepurchaseof principal cardholderinthecardandcreditagreement. Principal cardisagrantedtopersonwhonamedasthe cardholder asentitledtousethecard. terminal isequivalenttothecardholder'ssignatureandidentifies cardholder. KeyingthePINincardreaderofanATMorapayment security codedeliveredbyNordeatothecardholderorselected Personal IdentificationNumber automated fueldispenser. payment terminalisbasedonself-service,suchasaservicestation sales person,suchasapaymentterminalinshop.Anunmanned manned orunmanned.Apaymentterminalissupervisedbya transmits themelectronicallyfordebiting.Apaymentterminalmaybe authenticates purchaseandcashwithdrawaltransactions which carddataisreadandverified.Thepaymentterminalsaves Payment terminalisadeviceorsystematthepayee'slocationwith card addedtoanapp,thatcanbeusedformakingpayments. Payment cardor to anapp. terms andconditionsofeachappareappliedtopaymentcardsadded also beappliedtoapaymentcardaddedanapp.Inaddition,the terms andconditionsgoverningitssafeguarding,useloss,shall terms andconditionsaboutapaymentcardorcard,includingthe mobile phoneortablet,e.g.avirtualwallet.Whatissaidinthese approved byNordeaanddownloadedtoamobiledevice,suchas Payment cardaddedtoanapp (SEPA-alueella)”). transfers (intheSingleEuroPaymentsArea)Finnish“Tilisiirto identify themselveswithcarddataandpayinvoicesmakecredit Payment ATMisanautomatictellermachinewherecardholders isaeurolimitperinvoicingperiodsetforMastercards.

isapaymentinstrument,including

isacardthataddedtoanapp (PIN) isaconfidentialpersonal

3 (11)

MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 • • responsible for The accountholderandajointly severallyliablecardholderare • • • • Nordea orcompanythathasgrantedanothercardfacilityby: cash withdrawals,recurringpaymentsandothercardtransactionsto The cardholderundertakestopaythedebtincurredfrompurchases, 3.4. Cardholder'sliability to thebank,unlessthishasbeenseparatelyforbidden. A cardcanbesentbymailtotheaddressindicatedcardholder corresponding facilityatthetimeofrenewal. Nordea hastherighttoreplacepreviousfacilitywithanew If Nordeanolongeroffersafacilityincludedintheexpiredcard, the card. them andthecardholderisstillauthorisedtouseaccountlinked account agreementsarevalidandthecardholderhascompliedwith The cardcanberenewedprovidedthattheagreementand Nordea oracompanythathasgrantedanothercardfacility. cardholder undertakestoreturnthecardwhensodemandedby The validityoftheprincipalcardandparallelmaydiffer. validity expires,thecardholdernolongerhasrighttousecard. The validityofacardisstatedonitbymonthandyear.Afterthe 3.3. Validity report oflossinsteadthecardholder. Card, thecompany'sappointedcardcontactpersoncanalsofilea 020 333fromFinland,+35820abroad).AsregardsFirst blocking serviceofFinnishbankswhichisopen24hoursaday(tel a thirdparty.Thereportcanbemadebycallingthecentralised ATM abroad,orifthePINcomesintoknowledgepossessionof has fallenintothehandsofathirdpartyorbeenseizedbyan The cardholdermustinformNordeawithoutdelayifthecardislost, 3.2. Lossofcard described above. undertakes todestroytheoldcardbycuttingitinseveralpiecesas Nordea toreplaceacardthatisaboutexpire,thecardholder the cutcardtoNordeaifsorequested.Afterreceivinganewfrom pieces sothatthechipandmagneticstripearedestroyedreturn has grantedacardfacility,thecardholdermustcutinmultiple expired, orifsodemandedbyNordeasomeothercompanythat When thecardholderstopsusingcardbeforeitsvalidityhas for signatureonthecard. starting tousethecard,cardholdermustsignspacereserved The cardmustbesafeguardedsothatitisnotdamaged.Before The cardisthepropertyofNordeaanditmaynotbealteredorcopied. keyboard sothatnothirdpartycanviewthePINused. When keyinginthePIN,cardholderisresponsibleforshielding conditions prevailingatanygiventimethatthecardisinasafeplace. The cardholderisresponsibleforregularlyverifyingonthebasisof • • all cardtransactionsthataremade beforeNordeahasreceiveda all transactionsmadewithanycard linkedtotheaccount using thecardinmailortelephoneorderswithoutPIN using thecardwithcontactlesspaymentfacilityorat using thecardonInternet accepting thecardtransactionbyconfirmingitwithPINor use ofparallelcards. providing sufficientcoverintheaccount forcardtransactions have beenreturnedtoNordea notice ofterminationandbeforeall cardslinkedtotheaccount related touncancelledhotelreservations. costs andanyotherincurredbythecardholder, any reasonableunchargedfuel,telephone,minibarandmeal credit cardretroactivelyandwithoutthecardholder'ssignaturefor to standardpractice,entitledbyvirtueofanagreementchargea the cardatcarrentalcompaniesorhotelsthatmaybe,according terminals orautomatedpaymentdevicesthatdonotrequireaPIN another identifierapprovedbyNordeaorinsomeotherway

10.2018 terms andconditionsapplicabletocards Nordea BankAbp's • transaction totheaccountlinkedcard,if of acardtransactionwithineight(8)weeksthedebiting The cardholderhastherighttorequestNordearefundamount participated intheexecutionofcardtransaction. provider, locatedoutsidetheEuropeanEconomicArea,thathas it bythetrackingandwhichhastopaypayee'sservice addition, Nordeahastherighttochargecostswhicharecaused entitled tochargecostsaccordingitstariffforthetracking.In considers incorrectandthetransactionprovestobecorrect,Nordeais If thecardholderasksNordeatotrackacardtransactionheorshe addressed totheserviceproviderconcerned. payment cards,anycomplaintsconcerningtheservicesmustbe If thecardholderusesservicesofathird-partyserviceproviderwith bank orcreditaccounttermsandconditions. notification ofacardtransactioninaccordancewiththeapplicable transaction. Thecardholderisconsideredtohavereceiveda complaint withinthirteen(13)monthsfromthedebitingofcard account linkedtothecard,cardholdermustinanycasemakea received anotificationthatcardtransactionhasbeendebitedtothe correct bycheckingtheaccountstatementorinvoice.Afterhaving transaction untilheorsheisabletoconfirmthatthe make acomplaintthecardholdermustkeepreceiptofcard be madeinwritingwithoutdelayafterthecardtransactiondate.To Complaints concerningcardtransactionsexecutedwiththemust manner inaccordance withthecardtermsandconditions. debited ontheInternet, atapaymentterminalorin someother the relevantcompany.Thecardholder acceptsthefirstpaymenttobe The cardholderconcludesanagreement onrecurringpaymentswith purchase. Nordea includesthecashwithdrawal andtheamountofcard card transactionconfirmedwiththe PINorotheridentifierapprovedby debited foritisdeterminedbythe companyofferingtheservice.A Cashback isaserviceofthecompanyofferingcashbackandany fee Cashback isonlyavailableatpoints-of-saleofferingthisservice. changed. facility heorshewishestouse.Afterstatingachoiceitcannotbe When usingacombinationcard,thecardholdermuststatewhichcard latest. or upontheexpiryofholdperioddeterminedbybankat The coverreservationisremovedwhenthecardpaymentdebited has madeacashdepositusingtheDepositCardinquestion. been surrenderedandtoinformNordeaafterwardsonrequestwho The accountholderisliabletoregisterwhomeachDepositCardhas accordance withtheATM'sinstructions. the personwhomakesacashdepositatATMin Business DepositCardmayandmuststatetheCard'sPINto Contrary towhatissaidabove,theaccountholderofaNordea payment orwithdrawalontheaccountlinkedtocard. cardholder consentstothepayeemakingacoverreservationfor his orherpersonalidentitynumberinthepurchasereceipt.The checking hisorheridentityandrecordingthelastfourcharactersof signature. Thecardholderconsentstotherecipientofpayment by Nordeaandthecardnumbercorrespondtocardholder's cardholder. Thecardholder'spersonalPINorotheridentifierapproved A cardandthePINconnectedtoitmayonlybeusedby 3.5. Carduse Area hasparticipatedintheexecutionofcardtransaction. service providerofthepayeelocatedoutsideEuropeanEconomic The cardholderisnotentitledtoarefundoftransactionamount,if • the cardholderhasnotacceptedexactamountof transaction and the amountoftransactionisconsiderablyhigherthan payment transactionsandothercircumstances. change intheexchangerate,takingintoaccountprevioussimilar cardholder hasbeenabletoanticipate,forareasonotherthan

4 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 the bankistaken intoaccountwhendepositsare made. set. Inaddition,thecustomer-specific monthlycashdepositlimitsetby Similarly, anATM-specificnumber limitfornotesdepositedhasbeen amount hasbeensetforaone-off cashdepositmadeatanATM. ATM-specific anditmaybeindicated ontheATM.Amaximumeuro The maximumandminimumamount ofasinglecashwithdrawalis communications andfordifferent ATM-specificoperatinghours. prepared forinterruptionsinATMfunctionsordisturbancesdata instructions givenbyordisplayedonit.Thecardholdermustbe When usinganATM,thecardholderisobligatedtoobserve outside FinlandfromATMscarryingthecard'ssymbol. allow thecardtobeusedabroad,cashwithdrawalscanmade payment ATMsusingthecardforidentification.Iffacilities prepaid subscriptionatOtto.ATMsandmakepaymentsNordea cardholder canmakecashwithdrawalsanddepositsortopup a With acardandPINorotheridentifierapprovedbyNordea,the 3.6. CarduseatATMs invoice. on theaccountstatementoflinkedtocardorin The rateusedforacardtransactionisgiveninthedetails to MastercardEuropeorVisaInternational. the transactionistransmittedfromcreditinstitutionthatreceivedit exchange rate.Therateisdeterminedaccordingtothedateonwhich maximum of2,25%thetransactionamountisaddedto Mastercard EuropeorVisaInternationalsystemisappliedanda card, thewholesaleexchangerateofcurrencyusedineither withdrawals madeabroadaredebitedineuros.Dependingonthe information forexecutingthetransaction.Purchasesandcash the businessdayfollowingonwhichitreceivednecessary registers themtothecreditaccountlinkedcardatlateston Nordea debitscardtransactionstotheaccountlinkedor card hasbeenterminatedortheaccountholderblockedcard. been blocked,thecardholder'srighttouseaccountlinked account agreementhasbeenterminatedordissolved,the A card/parallelcardmaynotbeusedafteraagreementor A cardreportedlostorfallenintowronghandsmaynotbeused. with athirdpartywhichheorshehasacceptedbyusingthecard. The cardholderisalsoresponsibleforsuchchargesandfeesagreed and theycanonlybeupdatedwithNordea'sconsent. Only applicationsapprovedbyNordeacanbeloadedonacardchip, using thecardforidentificationpurposes. safeguard thePINstatedincardtermsandconditionsalsowhen consented toit.Thecardholdermustcomplywiththeobligation between thecardholderandaserviceprovider,ifNordeahas withdrawal inaccordancewiththetermsandconditionsagreed A cardmayalsobeusedforidentificationwithoutapaymentor payment withcard. The recipientofacardpaymentmaybeentitledtochargefeefor are correct. currency, amountandpaymentmethodrecordedforthetransaction facility orbysomeothermeans,thecardholdermustcheckthat another identifierapprovedbyNordeaorthecontactlesspayment Before acceptingacardtransactionbyenteringthePIN,using recurring paymentsaredebited. that theregistrationisvalidforentireperiodduringwhich requires thatthecardhasbeenregisteredforonlinepaymentsand payee. ThedebitingofarecurringpaymentacceptedontheInternet cardholder wantstoterminatetheservice,heorshemustcontact the amountdebitedforarecurringpaymentiscorrect.When the basisofusedservices.Thecardholderisliabletocheckthat cardholder andthecompany.Theamountcanbefixedorvariableon automatically inaccordancewiththeagreementbetween After thefirstpayment,recurringpaymentsaredebitedtoaccount 10.2018 terms andconditionsapplicabletocards Nordea BankAbp's • • • of thecardonlyif The cardholderandaccountholderareresponsiblefortheillegaluse acted inafraudulentmanner. cardholder hasintentionallymadeafalsenotificationorotherwise into thewronghandsoroftheirunauthoriseduse,unless received anotificationofthelosscardorPINthemfalling in FinlandduringtheopeninghoursorNordeaCustomerServicehas a cardendswhenthebanks'jointblockingservice,Nordeabranch The cardholder'sandaccountholder'sliabilityforunauthoriseduseof 3.9. Cardmisuse always endsatmidnightFinnishtime(UTC+2). security limits.The24-hourperioddeterminingthelimits debited totheaccountlinkedcardbysettingcard-specific made inFinlandatNordeapaymentATMsthatareimmediately daily cashwithdrawalswiththecardandamountofpayments the cardfeatures,cardholdercanrestrictamountavailablefor limits, onlineuseandgeographicalusagerestrictions.Dependingon determined byNordea.Availablerestrictionsincludedailysecurity The cardholderhasthepossibilitytorestrictcarduseinamanner 3.8. Cardholder'spossibilitytorestrictcarduse given byNordeaandtheMastercardorVisaservice. such amerchant,thecardholderisobligedtofollowinstructions page. WhenusinghisorhercardontheInternetinonlineshopof online paymentservicedisplayasymbolverifyingthatontheirInternet Merchants thathaveregisteredforMastercard'sorVisa´ssecure wants tomakepurchasesontheInternetwithcard. cardholder mustregisterhisorhercardforonlineuseifheshe service orthatthecardholderotherwiseknowstobesafe.The that haveregisteredforMastercard'sorVisa´ssecureonlinepayment cardholder onlyusesthecardinservicesofsuchonlinemerchants such astheNetbankaccesscodes.Itisrecommendedthat security codeonthebackofcardandanyothernecessarycodes, Internet usingthecardnumber,validitydateofcard,3-digit The cardholdercanpayforproductsandservicespurchasedonthe 3.7. CarduseontheInternet Finland andoperatingonbehalfofthebank. saved inthedatasystemoforganisationowningATMused The balanceandtransactiondetailsoftheaccountlinkedtoacardare card touseit. not takenduecareinconfirming the rightofpersonpresenting The cardholderandobligedarenot liablefordamageifthepayeehas regulation issuedbytheauthorities. in thepaymentservicesactandsubject toanotheract,decreeor Nordea hasnotrequiredstrongcustomer identificationasreferredto The cardholderisnotliableforanyunauthoriseduseofthecardif • • • the cardisnotrestricted,when However, thecardholder'sandobliged'sliabilityforillegaluse of otherwise providedbelow. In suchacase,thecustomer'sliabilityisrestrictedto50euros,unless the cardholderoraccountholderhasfailedtonotifyNordeain the cardhasfallenintohandsorPINotheridentifier the cardholderhasgivencard,PINorotheridentifier the cardholderhasactedfraudulently,deliberatelyorwithgross the cardholderhasmadeafalsenotification,or the cardholderhasgivencardorPINotheridentifier noticing it. the handsofathirdparty,ortheirillegaluseimmediatelyafter PIN orotheridentifierapprovedbyNordeafallingunlawfullyinto manner describedaboveofthelosscard,or section 3.1ofthesetermsandconditions,or cardholder's negligencetofulfilhisorherobligationsunder approved byNordeaintotheknowledgeofathirdpartydueto approved byNordeatoathirdparty, negligence. approved byNordeatoathirdparty,

5 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 for them. charges imposedduetoanoverdraft, buttheminor'sguardianisliable for theuseofminor'sbankaccount. Aminorisnotliableforany of thecardcreditandguardians andtheminorjointlyseverally card isacombinationcard,thecredit cardholderisliablefortheuse meeting thetermsandconditions ofthecardagreement.Ifaminor's agreement togetherandtheyare jointlyandseverallyliablefor The guardiansandtheminormust signthecardapplicationand registering acardforonlineuse. PIN, forattachingacardtoservicesofferedbyNordeaand consent ofhisorherguardiansforapplyingacard,receiving a use theNordeaservicesattachedtocard.Aminorneeds to aminorascombinationcardorcreditonly.A may under hisorherownname.AMastercardparallelcardcanbegranted Nordea canissueaVisaElectroncardorDebittominor 3.14. Minorascardholder picture cardmanufacturedaccordingtothecardholder'swishes. The rightofwithdrawaldoesnotexistiftheagreementconcernsa cancelled uponthewithdrawal. If otherserviceshavebeenlinkedtothecard,theywillalsobe • • • • • following information: The noticeofwithdrawalmustbespecifiedandincludeatleastthe • • • The noticeofwithdrawalshallbemadewithinthespecifiedtime agreement. has received,orbeenabletoreceive,acopyofthecard accepted creditapplicationandofthedateonwhichcardholder notice ofwithdrawalwithin14daysreceivingnotificationan made usingameansofdistancecommunicationbygivingNordea A consumercardholderisentitledtowithdrawfromacardagreement 3.13. Withdrawalfromacardagreement format. manner eitherinaelectronicformatorsomeotherpermanent sending ittothecardholderinwritingoraseparatelyagreed service ortoanotherelectronicapprovedbyNordea deliver theinformationbysendingittocardholdernetbank Nordea duringthecontractualrelationshipfreeofcharge.will The cardholdermayrequesttheagreementtermsandconditionsfrom relationship terms andconditionsduringthevalidityofcontractual 3.12. Cardholder'srighttoreceiveinformationontheagreement accountholder. concerning thisagreementtoacardholderwhoisnotan The accountholderisobligatedtoconveyNordea'snotifications these, anddisclosehisorheraddressgiveaspecimensignature. number andtelephonetoNordea,aswellanychangesin The cardholdermustdisclosehisorhername,personalidentity 3.11. Dutyofdisclosure the lossandothercircumstances. contribution totheloss,Nordea'spossibilitiesanticipateandprevent into considerationthereasonforbreach,cardholder'spossible agreement canbeconciliated,ifthedamagesareunreasonabletaking However, damagespaidbasedonactionsinbreachoflaworan limit theloss. A customerwhohassufferedlossmusttakereasonablemeasuresto 3.10. Restrictionofloss cardholder's signature. number oftheaccountlinkedtocard number ofthecardaffectedbywithdrawal cardholder's personalidentitynumber cardholder's name at Nordea'snetbankservice. at aNordeabranchlocatedinFinland,or Aleksis Kivenkatu3-5,00020NORDEA by mailtoNordeaBankAbp,CardServices/OperationsFI,

10.2018 terms andconditionsapplicabletocards Nordea BankAbp's reservation andgive otherinstructionsrelatedtocard use. and useofthecard, torespondcoverinquiries, tomakeacover exchange informationconcerning theaccountholderandcardholder Nordea andtherelevantcompany havetherighttoacquireand cardholder. Nordea, totheaccountholderand toajointlyandseverallyliable companies, toacorporationoffering ATMservicesonbehalfof party thatacceptsthecardasapayment instrument,tocard card toacorporationactingonbehalfofNordea,anotherbank, to a Nordea hastherighttodiscloseinformationrelateduseof company managingcardpaymentsonsuchacompany'sbehalf. contact datatoacompanythathasreceivedcardpaymentor a loss. Furthermore,Nordeahastherighttodisclosecardholder's related tothecardandcorporationsreceivingnotificationsof some othercardfacility,tocompaniesofferingadditionalfacilities disclose thecardholder'spersonalinformationtoacompanygranting information, rectification,dataportability,etc.Nordeahastheright to with theprocessingofpersonaldata,suchasaccessto The privacypolicycontainsinformationabouttherightsinconnection website orbycontactingNordea. please reviewNordea'sprivacypolicy,whichisavailableon For detailedinformationonNordea'sprocessingofpersonaldata, other purposes,suchastocomplywithlawsandregulations. products andservicesthatareagreedbetweenthepartiesfor As adatacontrollerNordeaprocessespersonaltodeliverthe is necessaryforprovidingthepaymentservices. cardholder explicitlyconsentstoNordeaprocessingpersonaldatathat By usingthecardandpaymentservicesconnectedtoit, of information 4.4. Righttodiscloseinformationandconsenttheprocessing use aresubjecttoafeeandcommissionaccordingNordea'stariff. Cash withdrawalsmadeabroadwithacardintendedforinternational • • • • • • • • charges andfeesinclude: card thechargesandfeesaccordingtoitscurrentlyvalidtariff.Such Nordea hastherighttochargeanddebitaccountlinkeda 4.3. Chargesandfees transfer, toapartydesignatedbythem. full orinpart,basedonthisagreement,includingtherightoffurther them, aswelltotransfertheirclaimsandotherrightsduties,in administration andfinancingofacardtothirdpartydesignatedby Nordea andothercardfacilityprovidersareentitledtotransferthe 4.2. Rightoftransfer an organisationprovidingcreditinformation. entry concerningthecardapplicantincreditinformationregisterof basis ofthecardapplication,unlessreasonforarefusalisan Nordea isnotobligatedtogivereasonsfordecisionsmadeonthe states theprocessingofcreditinformationincardapplication. its customermaybeusedformakingthecreditdecision.Nordea reliable sources.DataobtainedbyNordeaforthepurposeofknowing information registerofSuomenAsiakastietoOy,and/orfromother organisations providingcreditinformation,suchasthe by Nordeaandcompaniesbelongingtothesamegroup,from from registersmaintainedbytheauthorities, supervision ofcards.Thepersonaldataisobtainedfromtheapplicant, Nordea processespersonaldataneededforthegrantingand 4.1. Grantingacardandmonitoringitsuse 4. Nordea'sdutiesandrights a feeforcardthecardholderhasnotcollected. a feeforcopiesofreceiptsanddocuments interest andfeesresultingfromanoverdraft a confiscationfeeforcardthatthecardholderusesinviolationof a finder'srewardpaidtopersonwhohasfoundcardlostby a feeforPINorderedtoreplaceforgotten payment forapicturecard charges andfeesrelatedtogranting,using,investigating the cardtermsandconditionsoraccount the cardholder changing acard

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MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 detectable. the Visa'sorMastercard's services,ifthemalfunction hasbeen customers orfor any directdamageorlosscaused bymalfunctionof for anymalfunctionorerrorsinthe ATMsusedbyitsaccountholding Visa's andMastercard'sauthentication services.Nordeaisnotliable Nordea doesnotguaranteeuninterrupted operationoftheATMsor the Internetcontrarytoinstructions. ATM incorrectlyorcontrarytoinstructions orbytheuseofcardon Nordea isnotliablefordamagecaused bytheuseofcardatan detected, theerror. time fromthedateonwhichcardholderdetected,orshouldhave unless thecardholdernotifiesbankofanerrorwithinareasonable The cardholderisnotentitledtoreceivecompensationfromNordea an errorornegligenceintheexecutionofacardtransaction. damage. However,Nordeaisnotliableforindirectdamagecaused by by anobligationbasedonanotheragreement,orothercomparable Nordea's faultyprocedureormeasuresarisingfromit,damagecaused In suchacaseindirectdamagereferstolossofincomecausedby act. that isinbreachoftheobligationsasprovidedpaymentservices through negligenceonlywhenthedamagearisesfromaprocedure Nordea isliableforindirectdamageithascausedtothecardholder of theaccountinterestinsomeothermanner. in whichitwouldhavebeenwithoutthedebitorcompensatesloss refund thepayment,Nordearestorespaymentaccountinstate If Nordeaisliable,forareasonmentionedintheparagraphabove,to other fraudulentprocedure. has ajustifiedreasontosuspectanintentionalfalsenotificationor refund apaymenttransactionallegedtobeunauthorisedifNordea period specifiedaboveinthisclause.However,Nordeadoesnot transaction, inwhichcasethefundswillnotberefundedwithin Nordea investigatesthelackofauthorisationforpayment will debittheamountagainifrefundisunjustified.Alternatively, or wasnotifiedofit.Inthiscase,therefundiscontingent,andNordea day onwhichNordeadetectedtheunauthorisedpaymenttransaction for thepaymentwithoutdelayandnolaterthanonnextbanking considered Nordea'sliability,Nordeawillrefundtheamountdebited that ithasbeenexecutedwithoutauthorisationforareason If acardholderclaimsforrefundofcardtransactiononthebasis account interestinsomeothermanner. would havebeenwithoutthedebitorbycompensatinglossof responsibility byrestoringthepaymentaccountinstatewhichit been executedincorrectlyorwithadelayforreasononNordea´s arisen fromacardtransactionthathasbeenleftunexecutedor Nordea isliabletocompensatethecardholderforanylossofinterest services purchasedwiththecard. Nordea isnotliableforanydeficienciesordefectsinproducts 4.6. Nordea'sliability to itinwritingorelectronically. If thecardholderhasfiledacomplaintwithNordea,Nordeawillreply Nordea, suchasNetbank. service onitswebsiteorthroughotherelectronicservicesapprovedby Nordea willissuenotificationsconcerningthesecurityofpayment acquiring interpretationservicesandfortherelatedcosts. requires thebank'sconsent.Thecardholderisresponsiblefor agreement. Ifthecardholderwantstouseanotherlanguage,this can useeithertheFinnishorSwedishlanguageaccordingto When contactingNordeaduringtheagreementperiod,cardholder agreed on. conditions toNordeainwritingoranothermannerseparately The cardholdersendsnotificationsconcerningthesetermsand the cardholderinaccordancewithsection3.12. Nordea sendsnotificationsconcerningthesetermsandconditionsto 4.5. CommunicationbetweenNordeaandthecardholder 10.2018 terms andconditionsapplicabletocards Nordea BankAbp's • • • Nordea hastherighttoforbidorlimituseofcardfor: Nordea's requestforajustifiablereason. receiving cardpaymentshavetherighttoconfiscateaat company thathasgrantedanothercardfacilityanda Nordea andacompanyprovidingATMservicesonitsbehalf, conditions. amendment procedurefortheagreementandcardterms withdrawals andpaymentsmadewithcardswithoutobservingthe Nordea isentitledtochangetheupperlimitandlowerforcash limitation ofareceivable. payments totheaccountlinkedcardwithingeneralperiodof Nordea hastherighttochargedebitcardandVisaElectron card. Nordea isresponsibleforenteringdebitsintotheaccountlinkedto them totheaccountofpossiblepayee. automated paymentdevicesthatdonotrequireaPIN,andtocredit card withthecontactlesspaymentfeatureoratterminals approved byNordea,usingthecardonInternetor some way,suchasbyusingthecardwithitsPINorotheridentifier withdrawals andpaymentswhichthecardholderhasacceptedin Nordea isentitledtodebittheaccountlinkedcardanycash reserve coverforthetransactiononaccountlinkedtocard. withdrawals and/orpurchasetransactionsmadewiththecardandto Nordea hastherighttorespondcoverinquiriesconcerningcash 4.7. Nordea'srights the card. accept thecard,orthatallATMshaveachipcardreader for ensuringthatallmerchantshavechipcardreadersinuse a paymentduetoinsufficientcoveronanaccount.Nordeaisnotliable Nordea isnotliablefordamagecausedbyNordea'sfailuretoexecute • • and thetariff. Nordea isentitled toamendtheagreement,itsterms andconditions tariff 5. Amendmentoftheagreement, itstermsandconditionsthe sanctions, suchasblockingthecard's use. himself/herself andtakethemeasures requiredbytheinternational the cardholderfurtherinformation onthecardtransactionsor (hereinafter `internationalsanctions') and,ifnecessary,demandfrom similar parties,suchastheOfficeofForeignAssetsControl(OFAC), and orderspublishedbyFinnishforeignauthoritiesother United NationsSecurityCouncilaswellforsanctions,notifications for economicorothersanctionssetbytheEuropeanUnion Nordea maycheckcardtransactionsandthecardholder'sinformation after ithasbeenblocked. Nordea informsthecardholderofblockingcardimmediately question isacombinationcard,allpaymentfacilitieswillbeblocked. terminated orattherequestofaccountholder.Whencardin authorisation tousetheaccountlinkedcardhasbeen Nordea isentitledtoblocktheuseofcardwhencardholder's • • • • obligations isdeemedtohaveincreasedconsiderablyifforexample: The riskoftheaccountholderfailingtofulfilhisorherpayment if thecardisusedunlawfullyorfraudulentlytherereasonto for areasonattributabletothelaworotherauthoritativeorder security reasons if Nordeasuspectsthatthepayeeisafraudulentparty. if thecardentitlestouseofcreditandriskthat suspect suchuseor charges orfeesrelatedtothecardhavenotbeenpaid the accountholderisdeadorassignedaguardian the accountholderfilesfordebtrestructuring,corporate the accountholderbecomesinsolvent has increasedconsiderably accountholder isnotabletofulfilhisorherpaymentobligations cardholder hasotherdelayedpaymentsorregistereddefaults. restructuring orbankruptcy

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MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 national dailynewspaper etc. may dothisbypublishing anannouncementonits websiteorina having beenaffectedbyforcemajeure assoonpossible.Nordea A contractingpartyisobligatedto notifytheothercontractingpartyof Nordea todiscontinueprovidingthe serviceuntilfurthernotice. Force majeureorothercircumstance asdescribedaboveentitles agreement isagainstitsobligations laiddownbyotherlegislation. is notliableforlossifthefulfilmentofobligationsbasedonthis overcome theconsequencesbyexerciseofduediligence.Nordea beyond itscontrol,ifitcanprovethathasbeenunabletoprevent or obligations onaccountofanunusualorunpredictableobstacle A contractingpartyisnotliableforlosscausedbynon-fulfilmentof its 8. Forcemajeure agreement inwriting. Nordea informsthecardholderofterminationordissolution the card facilityoftheterminationordissolutionagreement. Nordea hastherighttoinformacompanythatgrantedanother terminated cardfacility. granted, thevalidityofcardagreementendsconcurrentlywith customer facilityservesanoticeofterminationoncardithas If aco-brandingcompanyorotherthathasgrantedloyal conditions. cardholder materiallybreachesthecardoraccounttermsand when theaccountlinkedtocardisterminatedorclosedif Nordea hastherighttodissolveagreementwithimmediateeffect (2) monthsafterservingthenoticeoftermination. Nordea hastherighttoterminatecardagreementendtwo card. termination alsoconcernsallcardfacilitiesandservicesrelatedtothe agreement withimmediateeffectbyreturningthecardtoNordea.The The cardholderoraccountholderisentitledtoterminatethecard The agreementisvaliduntilfurthernotice. 7. Validityoftheagreement electronic means. electronic serviceapprovedbyNordeaorthroughsomeotheragreed after Nordeahasdeliveredthenotificationtonetbankserviceortoan cardholder oraccountholdernolaterthanontheseventh(7th)day An electronicnotificationisconsideredtohavebeendeliveredthe Population RegisterCentre. cardholder's oraccountholder'slatestaddressgiventoNordeathe after thenotificationwassentatlatest,ifitto delivered tothecardholderoraccountholderonseventh(7th)day A writtennotificationfromNordeaisconsideredtohavebeen 6. Notificationdate termination. these termsandconditions.Nordeadoesnotchargeanycostsforthe a noticeofterminationtheagreementaccordingtosection7 agreement oritstermsandconditions,heshehastherighttoserve If thecardholderdoesnotapproveanamendmenttocard companies hasbeenagreedonseparately. that heorsheobjectstotheamendment.Theamendingprocedureof electronically bythenotifieddateofentryintoforceamendment consumer customernotifiesNordeainwritinganagreedmanner amendment andtheagreementcontinuesasamendedunless The consumercustomerisconsideredtohaveacceptedthe cardholder attheearliest. after two(2)monthsfromthesendingofnotificationto Any changeswillbecomeeffectiveonadatestatedbyNordea,but 3.12. ofthesetermsandconditions. agreement, itstermsandconditionsorthetariffaccordingtosection Nordea willsendthecardholderanotificationofanamendmentto 10.2018 terms andconditionsapplicabletocards Nordea BankAbp's conditions ofthe Mastercardcreditaccount. The creditlinked toaMastercardissubjectthe termsand also beusedforpaymentsabroad. a bankaccountthecardholderhas withNordea,andthefeaturecan .Transactionsmadewith MastercardDebitaredebitedto Mastercard Debitisapaymentcard featurelinkedtoaMastercard canbeeitherDebitor CreditCardsorcombinationcards. by theMastercardlogo. Acceptance ofMastercardsatATMsandinsalesoutletsisindicated 3. Mastercards linked tothecard. Transactions madewithVisaDebitaredebitedtothebankaccount and payments. Visa DebitcanbeusedinFinlandandabroadforcashwithdrawals the Visalogo. Acceptance ofVisaDebitatATMsandinsalesoutletsisindicated by 2. VisaDebit parking meterfees. which acoverreservationisnotmade,suchastolls,pay-phonefees, The cardcanbeusedforpaymentsatautomatedpaymentdevices card. Electron, acoverreservationismadeontheaccountlinkedto amount ofapaymentorcashwithdrawaltransactionmadewithVisa payment facilityfromhisorherVisaElectron.Regardlessofthe purchases inFinlandandabroad.Thecardholdercanexcludethe The dailysecuritylimitsforpaymentswithVisaElectronincludecard indicated bytheVisaElectronlogo. Acceptance oftheVisaElectroncardatATMsandinsalesoutletsis 1. VisaElectron Special cardtermsandconditions Court. residence inFinland,disputeswillbesettledbytheHelsinkiDistrict resident. Iftheconsumercustomerdoesnothavepermanent jurisdiction ofwhichthecustomerisdomiciledorpermanently submit disputestothedistrictcourtofFinnishmunicipalityin Helsinki DistrictCourt.Consumercustomersare,however,entitledto Any disputesarisingfromthisagreementaretobesettledbythe law. This agreementanditstermsconditionsaregovernedbyFinnish 10. Applicablelawandjurisdiction rights advisersataLocalRegisterOffice(kuluttajaneuvonta.fi/en). Consumer DisputesBoard,consumersmustcontacttheconsumer Disputes Board(kuluttajariita.fi/en).Beforefilingacomplaintwiththe Consumers arealsoentitledtofileacomplaintwiththeConsumer is tosendanonlinecontactformavailableatfine.fi/en. court ofjustice.Theeasiestwaytoinitiatethehandlingacomplaint in orhavebeenprocessedbytheConsumerDisputesBoarda proposals indisputes.FINEdoesnothandledisputesthatarepending Bureau (FINE)anditsBankingComplaintsBoardprovidesolution for customersfreeofcharge.TheFinnishFinancialOmbudsman Bureau (fine.fi/en),whichprovidesindependentadviceandguidance parties, theconsumermayturntoFinnishFinancialOmbudsman If adisputerelatedtoloancannotbesolvedinnegotiationsbetween Customer Servicenumbersarestatedatnordea.fi/en. network chargeormobilecallcharge.Theopeninghoursofthe and forcorporatecustomers02002121.Callingcostsarelocal The CustomerServicenumberforpersonalcustomersis020070000 related totheerror. of Nordea'serrorconcerningacardandhisorherpossibleclaim The cardholdermustwithoutdelayinformNordeaCustomerService 9. Customeradvisoryserviceandrectificationmeasures 8 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 for renewingapicture card. photo gallery.Thebankwillcharge afeeinaccordancewithitstariff without apictureifthepresent hasbeenremovedfromthe card willberenewedusingthepicture materialofthepresentcard,or months beforetheexpiryofvalidity ofapicturecard,hisorher If thecardholderdoesnotnotifyNordea ofanychangeswithintwo(2) 5.2. Renewedcards made throughNordea'snetbankserviceorataNordeabranch. Application forcardswithaphotofromNordea'sgallerymust be 5.1.2. Photogallerycard picture cardsandthematerialwillnotbereturnedtoapplicant. the card.ThepicturematerialmustfulfilNordea'srulesconcerning application hisorherownpicturematerialwhichheshewantson Nordea's netbankservice.Theapplicantmustappendtothe An applicationforaself-designedpicturecardcanonlybemadein 5.1.1. Self-designedcard 5.1. Applyingforcards 5. Nordea'spicturecards made toNordeaCustomerService. Complaints concerningcardtransactionsmadewiththemustbe conditions oftherelevantmembershiporloyalcustomerscheme. customer schemeinaccordancewiththerulesand/ortermsand be madetotheorganisationofferingrelevantmembershiporloyal All complaintsconcerningmembershiporloyalcustomerstatusmust Complaints corresponding paymentcard. membership orloyalcustomerstatusislinkedwithNordea's case, Nordeaisalsoentitledtoreplacethecardwhich used asasignofmembershiporloyalcustomerstatus.Insuch loyal customerschemeandNordeaends,thecardcannolongerbe cooperation betweentheorganisationofferingmembershipor If thecardholder'smembershiporloyalcustomerstatusexpires Renewal ofthecard cardholder hasgivenaseparateconsentforit. information subjecttobanksecrecyintheirmarketing,unlessthe information receivedfromNordeaontheuseofcardorother and itscooperationpartnerswillnotuseanypaymenttransaction The organisationofferingthemembershiporloyalcustomerscheme the cardinordertoadministerandloyalcustomerfacility. and Nordeaareentitledtorecordinformationonthecardholder The organisationofferingthemembershiporloyalcustomerscheme Recording ofcustomerinformation membership orloyalcustomerscheme. governed bytherulesand/ortermsandconditionsofrelevant The useofamembershiporloyalcustomerfacilitylinkedtocardis 4. Cardwithloyalcustomerfacility transactions. limit ofMastercardsortorefrainfromapprovingindividualpurchase Nordea areentitled,withoutstatingcause,toaltertheauthentication single paymentintoseveralpayments.MastercardEuropeand Finland. Thecardholdermaynotcircumventthislimitbydividinga An authenticationlimitmaybesetforsinglepurchasesmadein which donotrequireauthentication. The spendinglimitmaybeoverdrawnduetopaymenttransactions holder cansetdifferentspendinglimitsforcards. on aparallelcardorprincipalandcard.Thecreditaccount be setonaMastercard,limitingthecardholder'screditamounteither Depending onthecard,aninvoicingperiodspecificspendinglimitmay Mastercard creditagreement. Mastercards maybeusedwithinthecreditlimitagreedin invoicing includesanychargesstatedinthecreditagreement. made withNordea.Inadditiontopaymentsconcerningthecard, The useofMastercardsisinvoicedsubjecttoacreditagreement 10.2018 terms andconditionsapplicabletocards Nordea BankAbp's Consumer ProtectionAct. cardholder donothavethestatus ofconsumerreferredtointhe entrepreneur, corporationorcompany, theaccountholderand If thecardhasbeengrantedfor businessoperationsofan 6. Cardsforentrepreneurs,companies andcorporations personal dataneededformanufacturingthecard. possible sub-contractorapprovedbyNordeathecardapplicant's Nordea hastherighttotransfercardmanufactureranda 5.4.4. Transferofinformation right toprovidearenewedcardwithoutpicture. selected bythecardholderfromphotogallery,Nordeahas If Nordeahasceasedprovidingpicturecardsorremoveda the cardholders. and addpicturesinthephotogallerywithoutaseparatenotification to Nordea hastherighttoceaseprovidingpicturecardsandremove 5.4.3. Providingpicturecards official rulesandregulations. make thecustomerliableundercriminallaworifitviolatesvalid and forwardthematerialtocompetentauthorities,ifmay Nordea hastherighttoremoveafilecontainingsuchpicturematerial comply withtherulessetforNordea'spicturecards. systems anypicturematerialsentbyanapplicantthatdoesnot Nordea andthecardmanufacturerhaverighttoremovefromtheir material sentbyacardapplicantintheirsystems. Nordea andthecardmanufacturerhaverighttostorepicture 5.4.2. Storingthepicturematerial or thatanapplicanthastherighttousepicturematerial. Nordea isnotliabletocheckthepicturematerialsentbyanapplicant of thedeliverypicturematerialtoNordea. he orshehassentthroughnetbankservicewithinthreebusinessdays Nordea informsacardapplicantoftherejectionpicturematerial through netbankserviceifthepicturematerialisunsuitable. picture cardsorotherwiseunsuitable.Nordeawillinformthecustomer picture materialdeliveredbyanapplicantthatisagainsttheruleson Nordea hastherightnottoaccept,withoutstatinganyjustification, 5.4.1. Approvingthepicturematerial 5.4. Nordea'srightsandobligations considered tohaveapprovedthecarddeliveredhimorher. has notbeenmadewithinthedeadlineset,cardholderis without delayandwithin14daysofreceivingthecard.Ifacomplaint The cardholdermustmakeanycomplaintsregardingpicturecards 5.3.3. Complaintsbycardholders software. malicious softwarewhichcandisturborparalysehardware has delivereddoesnotcontainanycomputervirusesorother The cardholderisliabletoensurethatthepicturematerialheorshe damages andotherpossiblecosts. material heorshehasdeliveredandforensuinglegalexpenses, The cardholderisresponsibleforanydisputesarisingfromthepicture material complieswiththerulesNordeahassetforpictures. the picturematerialheorshehasdeliveredandthat The cardholderisliabletoensurethatheorshehaspermissionuse 5.3.2. Cardholder'sliability photo gallery.Theirrightsremainpropertyoftheirowners. The cardholderobtainsnorightstothephotoselectedfromNordea's delivered toNordea. The cardholderreservesallhisorherrightstothepicturematerial 5.3.1. Rightstothepicturematerial 5.3. Cardholders'rightsandobligations 9 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 • • The accountholderisliablefor has grantedanothercardfacilityinaccordancewithclause3.4. from purchasesandcashwithdrawalstoNordeaoracompanythat The accountholderundertakestopaythecardholder'sdebtincurred Accountholder's liability to itstariffforthedeliveryoftermsandconditions. separately agreedelectronicmeans.Nordeachargesafeeaccording electronic serviceapprovedbyNordeaorthroughsomeother information toanonlineservice,netbankserviceorother from Nordeaduringthecontractualrelationship.delivers The accountholdercanrequesttheagreementtermsandconditions terms andconditionsduringthecontractualrelationship Accountholder's righttoreceiveinformationontheagreement instructions forsafecarduse. cardholder complieswiththesetermsandconditionsNordea's made andotheractionstakenusingthecardforensuringthat accountholder issolelyliableforallcashwithdrawalsorpayments However, asregardscardspurelywithcorporatepaymentliability,the or limitedpartnership,unlessagreedotherwise. card, whentheaccountholderisanentrepreneur,generalpartnership any cashwithdrawals,paymentsandothertransactionsmadewiththe The accountholderandcardholderarejointlyseverallyliablefor conditions. ensuring thatthecardisusedinaccordancewithtermsand The accountholderandcardholderarejointlyseverallyliablefor card termsandconditions Applicable cardtermsandconditionsdeviatingfromthegeneral Cardholder isanaturalpersonnamedbytheaccountholder. bank. association, foundation,orotherjuridicalpersonapprovedbythe partnership, aregisteredlimitedliabilitycompany,cooperative, Accountholder isanentrepreneur,ageneralpartnershiporlimited Definitions • • • when Nordea isentitledtodissolvethe agreement withimmediateeffect the cardagreementinwritingtoend afterone(1)monthofthenotice. The accountholder/cardholderand Nordeaareentitledtoterminate The agreementisvaliduntilfurthernotice,unlessotherwiseagreed. Validity oftheagreement terms andconditions,toblocktheuseofcardimmediately. fails togivethisreport,Nordeaisentitled,notwithstandingthecard origin ofthedepositedfunds.Ifcompanyasaccountholder The accountholderisliabletogiveNordeaonrequestareport the been separatelyagreedonwithNordea. transaction debitedtoanaccountlinkedacard,unlessthishas The accountholderisnotentitledtorequestNordearefundacard tracking ofcardtransactionsrequestedbytheaccountholder. Nordea isentitledtochargefeesaccordingitsvalidtariffforthe transaction. make acomplaintwithintwo(2)weeksofthedebiting been debitedtoanaccountlinkedacard,theaccountholdermust However, afterhavingreceivedinformationthatatransactionhas in writingafterthetransactiondateofpaymentorwithdrawal. Complaints concerningcardtransactionsmustbemadewithoutdelay all cardtransactionsthataremadebeforeNordeahasreceiveda all transactionsmadewithanycardlinkedtotheaccount providing sufficientcoverintheaccountforpurchasesand linked totheaccounthavebeenreturnedNordeaand notice ofterminationthecardagreementandbeforeallcards the accountholder/cardholder essentiallybreaches thecardor the accountlinkedtoacardisclosed orterminated withdrawals. account termsand conditions

10.2018 terms andconditionsapplicabletocards Nordea BankAbp's position thatinformation maybedisclosedtoit. group asNordea ortosomeothercompanythatis legallyinsucha which belongstothesameFinnish orforeigngroupeconomicinterest accountholder/cardholder toacompany basedinFinlandorabroad Nordea hastherighttodiscloseinformation ithasacquiredonthe Disclosure ofinformation conditions. Nordeadoesnotcharge anycostsforthetermination. agreement accordingtosection7 ofthegeneralcardtermsand cardholder hastherighttoserveanoticeoftermination card agreementoritstermsandconditions,theaccountholder/ If theaccountholder/cardholderdoesnotapproveamendment tothe on whichthenotificationwassent. stated byNordea;however,noearlierthanone(1)monthfromthe date separately agreedon.Theamendmententersintoforceatthetime other electronicserviceacceptedbyNordeaorinsomemanner of theamendmentinwriting,viaonlineservices,netbankservice, an the authorities,Nordeashallinformcardholderand/oraccountholder rights, andisnotcausedbyanamendmenttolegislationoradecision of the cardholder'sand/oraccountholder'sobligationsorrestrictstheir If anamendmenttotheagreementoritstermsandconditionsadds to effective atthetimestatedbyNordea. it initsplaceofbusinessoronwebsite.Therevisionbecomes authorities, Nordeaisentitledtoannouncetheamendmentbypublishing rights, oriscausedbyanamendmenttolegislationadecisionofthe add tothecardholder'sand/oraccountholder'sobligationsorrestricttheir If anamendmenttotheagreementoritstermsandconditionsdoesnot The agreementanditstermsconditionsmaybeamended. Amendment totheagreementtermsandconditions termination. terms andconditions.Nordeadoesnotchargeanycostsforthe termination oftheagreementaccordingtosection7generalcard tariff, theaccountholder/cardholderhasrighttoserveanoticeof If theaccountholder/cardholderdoesnotapproveamendmentto than one(1)monthafterthenotificationhasbeensent. agreement. Nordeaisentitledtodebitthenewchargeorfeenoearlier cardholder signedthecardagreementisaddedtoNordea's fee thatwasnotincludedinthetariffattimeaccountholder/ other manneragreedseparatelyofanamendmentbywhichachargeor service, inanotherelectronicserviceacceptedbyNordeaorsome The cardholderisinformedinwriting,viaonlineservices,netbank time statedbyNordea. publishing therevisioninitstariff.Thebecomeseffectiveat authorities, orunderwhichanexistingchargefeeisraised,by agreement duetoanamendmentlegislationoradecisionbythe revision tothetariff,underwhichapaymentisaddedNordea'scard Nordea hastherighttochangeitstariff.willannounceany Revision ofthetariff validity. even iftheuseofcardisceasedbeforeexpirycard's Nordea isentitlednottoreturnapaymentorfeechargedinadvance inform thecardholders). card agreementinwriting(itistheaccountholder'sresponsibilityto Nordea informstheaccountholderofterminationordissolution facility oftheterminationordissolutioncardagreement. Nordea hastherighttoinformacompanythatgrantedanothercard the terminatedcardfacility. it hasgranted,thevalidityofcardagreementendsconcurrentlywith If aco-brandingcompanyservesnoticeofterminationoncardfacility • • the accountholderappliesforcompositionproceedingsorsuspends bankruptcy, corporaterestructuringorliquidationisfiledagainstthe who hasagreedoncardcooperationwithNordeaends. contractual relationshipwiththeaccountholderoranemployer payments orthecardholder'semploymentcontractother accountholder

10 (11) MKVD023PL 08.18 Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA, Finland, domicile Helsinki, Business ID 2858394-9 the latest. card paymentis debited or30daysafterthereservation wasmadeat account linkedtothecard.Thecover reservationisremovedwhenthe A payeecanreservecoverforawithdrawal orpaymentonthe immediate effect. The cardholderisentitledtolower thecashwithdrawallimitwith after one(1)monthfromannouncing thechange. 1,600 euros.Nordeaisentitledtochangethecashwithdrawallimit maximum totalamountofcashwithdrawalsinacalendarmonthis not specificallyotherwiseagreedonwiththeaccountholder, cash withdrawalsmadewiththecardsduringacertaintimeperiod. If can besettothetotalamountofindividualpaymentsand limit ofthecardis5,000eurospercalendarmonth.Amaximum accountholder andNordea.Unlessotherwiseagreed,thespending The cardmaybeusedwithinthespendinglimitagreedbetween includes anychargesstatedinthecreditagreement. with Nordea.Inadditiontopaymentsconcerningthecard,invoicing The useofthecardisinvoicedaccordingtoacreditagreementmade to theaccountlinkedcards. The creditaccounttermsandconditionsofeachareapplied purchases intendedforthecardholder'sownuse. The cardholderisnotallowedtousethecardforpaymentof card hasbeengranted. with thecompanyororganisationtowhichanaccountlinkedthat organisation orapersonwhoisinanothercontractualrelationship The cardmaybegrantedtoanemployeeworkingforacompanyor Nordea BusinessMastercard. Examples ofcardsintendedforcorporateuseincludeFirstCardand 7. CorporateMastercardandVisachargecreditcards ensure thatthecardisreturnedtoNordea. immediately iftherightoflattertousecardceasesand The accountholderandcardholderareobligatedtonotifyNordea payment liability,theaccountholderaloneisliableforanydamage. separate agreementonsuchliability.Asregardscardswithcorporate entrepreneur, ageneralpartnershiporlimitedifthereis jointly andseverallyliablefordamageiftheaccountholderisan with jointpaymentliability,theaccountholderandcardholderare responsible foranydamageincurreduntilthen.Inthecaseofcards opportunity topreventtheuseofcard.Theaccountholderis termination ofarighttousethecard,andonceNordeahashadan PIN, ofthecardcomingintopossessionathirdparty,or card ceasesonceNordeahasreceivedareportoflosstheor The liabilityoftheaccountholderandcardholderformisuse Card misuse whose personaldataitdisclosestoNordea. accountholder shallforwardNordea'sprivacypolicytotheindividuals reservations andtogiveotherinstructionsrelatedcarduse.The and theuseofcard,torespondcoverinquiries,make exchange informationconcerningtheaccountholderandcardholder Nordea andtherelevantcompanyhaverighttoacquire third partiesusedbytheemployer. the cardasapaymentinstrument,tocardholder'semployerand disclose similarinformationtoanotherbank,apartythataccepts to acorporationactingonbehalfofNordea.Nordeaisalsoentitled Nordea isentitledtotransferinformationrelatedtheuseofcard company's behalf. payment ortoacompanymanagingcardpaymentsonsuch cardholder's contactdatatoacompanythathasreceivedcard Furthermore, Nordeahastherighttodiscloseaccountholder's/ organisations receivingnotificationsofcardloss. companies offeringadditionalfacilitiesrelatedtothecardand cardholder toacompanygrantingsomeothercardfacility, Nordea hastherighttodiscloseinformationonaccountholder/ 10.2018 terms andconditionsapplicabletocards Nordea BankAbp's 11 (11)