Translation: Regler for Dankort (BlueCard) og Visa/Dankort

Terms and Conditions – Dankort (BlueCard) and Visa/Dankort (Valid from October 2020)

Contents 1. Terms and Conditions – Dankort (BlueCard) and Visa/Dankort 2. Card use 3. Use of Dankort cards or Visa/Dankort cards 4. Safekeeping of Dankort cards, Visa/Dankort cards and personalised security feature 5. Authority 6. Checking account entries 7. Reversal of payments that you have approved 8. Reversal of payments that you have not approved 9. Your obligation to block your Dankort card or Visa/Dankort card 10. Your liability – misuse of Dankort cards or Visa/Dankort cards 11. Sydbank’s rights and liability 12. Expiry 13. Termination 14. Changes in the Terms and Conditions 15. Complaints 16. New copy of the Terms and Conditions 17. Fees and currency conversion 18. Assessment of card applicants 19. Consent to the use, storage and disclosure of information 20. Registration of blocked Dankort cards and Visa/Dankort cards 21. Guarantee Fund 22. Right of cancellation – retail clients 23. Useful advice – Dankort, Visa/Dankort and BlueCard 24. Useful advice – Visa/Dankort abroad 25. Useful advice – online transactions 26. General advice – online transactions 27. Specific advice – online transactions involving Dankort (BlueCard) and Visa/Dankort 28. Glossary

Tariff of Charges – Dankort (BlueCard) and Visa/Dankort

Sydbank A/S · Sydbank 20350.1020 Version 10.0 – Valid from October 2020 Translation: Regler for Dankort (BlueCard) og Visa/Dankort

Terms and Conditions – Dankort (BlueCard) and Visa/Dankort (Valid from October 2020)

1. Terms and Conditions – Dankort (BlueCard) 2.2 Purchases and Visa/Dankort You can use a Dankort card and a Visa/Dankort card to pay for goods and services at merchants that accept Dankort General information cards and/or Visa cards. You can also use the card to make Sydbank’s Terms and Conditions, which are provided in online purchases and purchases by mail and telephone or- connection with the establishment of any customer rela- der. In addition you can use the Dankort card and the Visa/ tionship, apply to any and all business transactions between Dankort card to pay at self-service machines. If a merchant the and its customers unless otherwise expressly owes you money, some merchants can credit the amount agreed between the parties or determined by Sydbank. to your account via your card. If you use your Visa card These Terms and Conditions apply to the use of Dankort to make purchases abroad, you may be asked to choose (BlueCard) cards and Visa/Dankort cards. The Terms and whether you wish to pay for your purchase in local currency Conditions describe the use of the card as a physical card or in Danish kroner, see 17.4. as well as a card in a wallet. Unless otherwise stipulated these Terms and Conditions apply to the use of the card as 2.3 Amounts debited to your account a Dankort (BlueCard) card, a Visa card and as a physical card As a rule purchases and withdrawals using your Dankort and a virtual card in a wallet. A glossary of the terms used card will be debited to your account on the same day that is provided on page 12. Dankort (BlueCard) cards and Visa/ the card is used. Visa transactions will be shown the day Dankort cards are subject to the following additional terms after your purchase or withdrawal at the earliest. The time and conditions. of debiting will however depend on when Sydbank receives the transaction.

2. Card use You may withdraw cash or make purchases only up to the account balance unless you have made other arrangements Visa/Dankort is a payment instrument that can be used in with the Bank. Denmark and abroad. 2.4 Contactless functionality In Denmark, according to current legislation, you can always If you use the contactless functionality a maximum limit choose whether you wish to pay with the Dankort part or determines whether your PIN must be entered. Maximum the Visa part of your Visa/Dankort card if the merchant limits are available at sydbank.dk. Limits may be changed accepts both types of cards. and you will not be notified unless the amount is increased or reduced by 50% or more within a calendar year. You may not use your card for illegal purposes, including the purchase of goods and services that are illegal according to If a transaction exceeds the current amount limit, you will legislation in the country in question. be asked to enter your PIN – either on the or to approve the payment on your mobile phone. You may Your account statement will always show whether a pay- also be asked to enter your PIN even though the amount is ment was processed as a Dankort or a Visa transaction. You within the current amount limit. should be aware that paying by Visa abroad may involve a fee and that the transaction amount will be deducted from 2.5 Games and lotteries the monthly spending limit on your Visa card – also if you When you use your card at merchants that predominantly pay with the Visa part of your card in Denmark, see 2.6. offer gambling and betting services, for instance casinos, lottery ticket sellers and race tracks, a spending limit per 2.1 Cash withdrawals day may apply. The spending limit appears from the Tariff You can use a Dankort card or a Visa/Dankort card to with- of Charges. draw cash at most ATMs. 2.6 Amount limits/fees Please note that not all Danish ATMs accept Dankort cards. Visa cards have an overall limit for purchases and with- In such case the withdrawal will be processed as a Visa card drawals applying to any 30-day period, including limits on withdrawal and this may involve a fee. The fee appears from the maximum amount withdrawable using a Visa card from the Tariff of Charges. and ATMs per day. These limits appear from the Tariff of Charges.

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Sydbank A/S · Sydbank 20350.1020 Version 10.0 – Valid from October 2020 2.8 2.7 3.1 3. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S Payment

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- . - 3.4 3.3 3.2 online. online. apayment approving when feature security personalised a as NemID your use to able be also You code. will the ing contain message text the from appear amount correct the and merchant the of name the that ensure must you code, the entering Before payment. of time the at cardholder the of possession the in is card the that guarantee merchant’s code receivedthe single-use message byrepresent text the sage. Your together with password for online transactions code and a you single-use receive mes by text transactions online for you by created apassword of consists feature security The feature. security personalised additional an use to need normally will 4), you (see merchant Nets” by Secured “Dankort or Secure” a“Visa is merchant the If code. security and date expiry card’s the number, card your state must you purchases, online for card the using When code security and date expiry number, card of use and transactions Online chosen. wallet the from appear will use and set-up about tions dk/pages/Dankort-i-apps.aspx http://dankort. here: available is wallets approved of A list Nets. by approved been have that wallets in stored be only can cards Dankort Pay). Apple and mobilen på Dankort (eg phone mobile your in app an on card your You store can wallets in Cards amerchant. by reserved amount the to consent must you However invoice. final the cover partly or fully to card your via amount an reserve also may hotels, or companies rental car eg Merchants, 7. see account, your to amounts debit subsequently to hotel the or company rental car the allows this that aware You be should amounts. additional withdraw subsequently to hotel or company rental car the allow to asked be ally usu will you ahotel, into check or acar hire to instance for card Visa/Dankort or card Dankort your using When amount. full the for areceipt obtain you that ensure should you tip, a instance for card, Visa/Dankort or card Dankort your to amount additional an charge to amerchant allow you If (approve).“Godkend” press subsequently you when or card Visa/Dankort or card has when the terminal read your Dankort the transaction approve you cases these In signature. your providing or PIN your entering without card Visa/Dankort your or card machinesAt you some can self-service use your Dankort issues payment Other to your codes passwords, etc. you must ensure features, cannot that others gain accessty securi personalised other using or PIN your entering When . Information and instruc and . Information - - - - - 3.5 4.1 4. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions

4.2 20350.1020 · Sydbank A/S

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Small transactions dis is this though even Secure Visa or Nets by Secured Dankort require Please note that not all card transactions by is created you. password forThe online transactions message. text by receive will you that code asingle-use as as well ainvolves using password for online transactions shopping online with connection in security information, card your entering After merchant. the by you to offered not is feature security additional an of use the if payment your reject to entitled legally is Bank the circumstances certain In merchant. the by offered is solution security the and online transactions with is used in connection security This on the internet. transactions when making information card of use unauthorised the against security of layer extra an provide Nets by Secured Dankort and Secure Visa – online feature transactions Personalised security overview”. “Card under NetBank or MobilBank via PIN your view You also can sydbank.dk/pinkodehusker. at available is that memoriser aPIN use should you PIN, your down write to need you If safe. it keep must you it, save to wish you if or PIN your memorise to unable are you If cards. business as well as cards –private Sydbank by issued cards all for PIN same the have to choose date You alater at may card. your for aPIN receive automatically will you cards, several for PIN same the use to chosen have you Unless phone. your with together it keep or phone mobile your on PIN your save card, the on it write card, your with together PIN your keep You not must PIN. your You memorise should using NemID or by contact by or NemID using - - - - 4.5 7.1 7. 6. Authority 5. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S lose your card this must also be blocked, see 9. 9. see blocked, be also must this card your lose also you If codes. single-use receive you which on phone mobile the lose you if possible as soon as Secure Visa with number phone mobile your You change/deregister must phone. mobile your for apassword/code use you that mend we recom your card and your mobile phone. Consequently persons do not have or cannot access gain unimpeded to unauthorised that ensure must you Secure, Visa or Nets by Secured Dankort offering merchants at online shopping of security the of part constitute will phone mobile your Since telephone and –card Security payments. make to necessary is which and receive code a message by single-use text transactions online for apassword create can you which after Nets, with number mobile your register to NemID use You also can or checking out of a hotel where you have agreed that the the that agreed have you where ahotel of out checking or acar hiring with connection in instance for occur may This payment. the of areversal to entitled be may you expected, be reasonably could than larger significantly is account debited to and the your amount subsequently the payment approved you when amount final the know not did you If the transaction approving before amount final the know not did you If booking. of time the at amount the debit will merchant the tickets, concert or tickets airline eg purchase you if However sent. been have goods the until amount the debit arule, as not, may merchant order, the telephone or mail by purchases for or purchases online for card your use you when that aware be should you entries, account your checking When NetBank. instance for via Sydbank by available made communication of channel safe Sydbankmust contact immediately. You can also use the you unauthorised, be to believe you that or receipts your match not do that transactions spot you If regularly. count ac your on entries the check to obligation an You under are 2.7. see limits, amount with mobilen på Dankort to apply rules special ever to you. How as those applying andsame terms conditions the to subject is cardholder additional the by card the of use The PIN. and feature security personalised own its with card own his and account your for attorney of apower have must person this card, aVisa/Dankort with account your from als withdraw make to able be to else someone like would you If Reversal of payments that you have approved approved you have that payments of Reversal entries account Checking Version 10.0 –Valid from October 2020 5/14

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7.2 the reversal of a payment is possible if your purchase was was purchase your if possible is apayment of reversal the aAs cardholder where there are several circumstances selling –distance payments of Reversal wallet. adigital via or awallet in card your card, physical apply regardless of rules you whether These have used your Charges. of Tariff the see slip, sales the of acopy obtaining for fee a as well as debited is it until and account your to credited was amount the when time the from interest charge may Bank the unjustified, be to proves complaint your If account. your to debited be will amount the unjustified, be to proves complaint the If account. your to credited be normally will amount disputed the examined, being is complaint the While your complaint. examine subsequently Sydbank will regularly, see 6. into account to check your your obligation account entries take will Bank the time, due in complaint the made have you whether assessing When claim. possible your of aware become have should or become you after 14 days than later no complaint your submit must you possible extent the To transactions. unauthorised any of aware become have should or become you after possible as soon as complaint your submit and Bank the contact you that acondition is It aletter. or email an of way by eg merchant, the contact to attempted or contacted have you that substantiate to able be must you and Sydbank contact you before merchant the with problem the resolve to attempt You first should • • • if: achargeback to entitled be may you • • • • ways: following the of one in services or goods purchase to card your used have you If order telephone and mail by purchases and purchases Online amount. final the approved not have you where achargeback to entitled are you that believe you if account your to debited been has amount the after weeks eight than later no and possible as soon as Bank the bar. You contact mini must the from consumed items or petrol eg for you charge subsequently may merchant

before the article/service was delivered. before the article/service cancel to right statutory or agreed an exercised have you or ordered, article/service the received not have you or agreed, than larger amount an charged has merchant the security feature feature security the personalised using machines without at self-service transaction the implement to provided are similar) or NemID code, (eg feature password/single-use personalised security the and etc) number (card information card where but ly electronical read not is card the where situations other in order telephone or mail by internet the on -

8. 9.1 9. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S Cards You can also block your card via NetBank. via card your block You also can 11 68 +45 36. 44 fax by Nets contact You also can diately. imme blocked card the have to number registration civil or number account your and branch your of name the address, name, your state must you Nets, contacting When service. a24-hour provides 249 +45 249, which 44 tel on Nets calling by card your block must you hours banking Outside tacting your Sydbank branch. tacting • • • • • if: card your block to order in possible as soon as Sydbank You contact must time. due in made been has complaint your that sure be can you claim, your of aware become have should or become you after 14 days than later no complaint your submit you if general In payments. of reversal the cerning 8con 7and in limits time the note please context this In Charges. of Tariff the see slip, sales the of acopy obtaining for fee a as well as debited is it until and account your to credited was amount the when time the from interest charge may Bank the 10. addition In see responsible, you hold may Bank the card, your used has person unauthorised an that reveals examination the If account. your to debited be will amount the unjustified, be to proves complaint the If account. your to credited be normally will amount disputed the examined, being is complaint the While complaint. your examine ly was debited to your subsequent account. Sydbank will amount the after 13 months than later no Sydbank contact must you circumstances all Under 6. see regularly, entries account your check to obligation your account into take will Bank the time, due in complaint the made have you whether assessing When transaction(s). the unauthorised of aware becoming after possible as soon as Sydbank tact con must you made, or to contributed approved, not have you that transactions more or one for used been has card Visa/Dankort your or card Dankort your that believe you If available at www.nets.eu/kortholderindsigelser at available is information Further purchase. the for pay to card Visa card or you your your Dankort used on whether depending vary may order. These telephone or mail by or online made approvednot you have that payments of Reversal or Visa/Dankort card card Dankort your block to Your obligation Version 10.0 –Valid from October 2020

6/14 you have other reasons to suspect misuse of the card. the of misuse suspect to reasons other have you or copied, been has card the that suspect you or misused, been has card the that discover you or PIN, your eg features, security personalised your of one of knowledge obtains someone you lose your card, or by con by or

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9.2 10.3 10.2 10.1 10.

information on what action to take. to action what on information further for Sydbank contact Then wallet. the in instructions the Follow possible. as soon as PIN the change must you card, your registered have you which in wallet(s) the for PIN your of knowledge obtains person unauthorised an If take. to action what on agree to Sydbank contact must you found, is awallet in card ablocked with phone mobile your If blocking. the of time the and for reason the of informed be will you blocked, been has awallet in card your When 11 68 +45 36. 44 fax by Nets contact You also can immediately. blocked card the have to number registration civil or number count ac your and branch your of name the address, name, your state must you Nets, contacting When service. 24-hour a provides 249 +45 249, which 44 tel on Nets calling by blocked be must wallets in cards hours banking Outside • • • if: wallet a in card your block must you cards physical with As wallets in Cards wallets. in card the use cannot you blocked, been has card your when that note Please take. to action what on agree to Sydbank contact must you again card the find you If blocking. the of time the and for reason the of informed be will you blocked, been has card the When neously. simulta blocked are cards all that however provided event, the same as with cards, business are misused in connection well as cards private PIN), (eg feature security personalised same the with cards your of several 375 if DKK is you by payable amount total The (excess). loss total the 375 of DKK to up cover to have may you connection, this in used been has feature security apersonalised and card Visa/Dankort or card Dankort your used has person unauthorised an If 2017). 652 8June no. of (Act Payments on Act Danish the in stipulated are liability your regarding Rules 10.6. 10.2 to by covered is loss the that prove must 10.2-10.6 by Sydbank below. comprised is loss the unless loss the cover will Sydbank card, Visa/Dankort or card Dankort your used has person unauthorised an If Visa/Dankort cards or cards Dankort of –misuse Your liability • and connection, this in used been has feature security apersonalised and card Visa/Dankort or card Dankort your used has person ised unauthor an if 8,000 DKK to up of losses for You liable are

a wallet. in card your of misuse suspect to reasons other have you misused been has awallet in card your that discover you you lose your mobile phone you have failed to notify Sydbank as soon as possible possible as soon as Sydbank notify to failed have you - - - 10.4 10.6 10.5 –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions

10.7 20350.1020 · Sydbank A/S

with the same security feature are blocked simultaneously. simultaneously. blocked are feature security same the with cards all that however provided event, same the with tion connec in misused are cards, business as well as cards vate pri feature, security same the with cards your of several if 8,000 DKK is you by payable amount total the However rity feature, see 4, or to block the card, see 9. 9. see card, the block to or 4, see feature, rity secu the protect to safe, phone mobile the or card the keep to including Conditions, Terms and the with accordance in your obligations to fulfil failed or intentionally fraudulently acted have you if full in loss the for liable You moreover are • • is also liable if you suffer a loss as a result of unauthorised unauthorised of aresult as aloss suffer you if liable also is Sydbank Payments on Act Danish the with accordance In unauthorised. was card the of use the that known have should or knew payee the if loss your for liable is Sydbank Payments on Act Danish the with accordance In these. of any of inaction the or outsourced been have ties to the Bank’s or which activi agents branches or an entity employees, Sydbank’s of actions the by caused is it if card the of use unauthorised the for liable not are you addition In use. to the unauthorised prior feature of the personalised security acquisition the unauthorised or theft loss, the discover to unable were you if liable not are you Moreover Bank. the at circumstances to due card your block to unable been have you if losses for liable not You moreover are blocked. be must card the that informed been has Sydbank after incurred losses for You liable not are • • conditions: the following under misuse the with connection in used been has feature security personalised your if full in loss the for You liable are been misused. has that card each to 10.5 10.4 applies and under liability unlimited the cards, business as well as cards private PIN), (eg feature security same the with cards several have you If Version 10.0 –Valid from October 2020 7/14 of your gross negligence. of your gross aresult as possible made been has use unauthorised the or misuse, of arisk was there that realised have not should or realise not did you and use unauthorised its for responsible person the to feature security the disclosed have you or person, unauthorised an of edge knowl the to come has feature security the that or ing miss was mobilen på Dankort eg containing awallet with phone mobile your or card the that learned having after risk of misuse. of risk a was there that realised have should or realised you and card, Visa/Dankort or card Dankort your misused has who person the to feature security the You disclosed have

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sage. sage. code or received the single-use mes by text transactions online for password your eg feature, security personalised other or PIN your NemID, your disclose to you ask never will others or Nets merchants, Bank, the that note Please message or other safe means of communication. text by phone, by you contact may Nets or Sydbank threats, security or misuse actual or suspected of case In blocking. the of time the and for reason the of you notify will Sydbank blocked, been has card Visa/Dankort or card Dankort your When returned. are account the to relating cards all that demand may Bank the Moreover overdrawn. repeatedly and/or severely is account the if necessary be however may blocking Immediate blocked. is card the before reminder awritten receive will you overdrawn, is account the If • • • • if: card Visa/Dankort or card Dankort your of use the block to entitled is Sydbank card Visa/Dankort or card Dankort your block to right Sydbank’s Denmark. Denmark. in card Visa/Dankort or card Dankort your use to able be will you Denmark, outside adispute to solely relates industrial an If Denmark. outside card your use to able be to expect not should you dispute, industrial an in involved become partners business more of the Bank’s international or one and/or centres data Sydbank’s of more or one If pers. newspa daily the in announcements through a dispute such of end and beginning the at possible as soon as notified be You will Denmark. in card Visa/Dankort or card Dankort your use to able be not will you dispute, industrial an in involved become centres data Sydbank’s and/or Sydbank If disputes Industrial time. any at card your replace to entitled is Sydbank Card replacement been registered and booked correctly at the Bank. Bank. the at correctly booked and registered been has use the if transaction of the card by another individual unauthorised the by caused losses for liable You only are fraudulently. acted have you unless feature security use where Sydbank does not demand use of a personalised Sydbank’s rights and liability and Sydbank’s rights

or is presumed to have been misused by a third party. athird by misused been have to presumed is or misused been has card Visa/Dankort or card Dankort your or tion, legisla laundering anti-money with compliance in dure proce KYC the implement to unable been has Bank the issued, is card the which to account the overdraw you if including Conditions, Terms and the violate you or closed, been has issued is card your which to account the - - - -

12.1 12. 11.4 14. 13. Termination –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S Expiry

subject to a charge, see the Tariff of Charges. of Tariff the see acharge, to subject is request your at cards personalised of replacement The • • Bank: the of request the at replaced is card apersonalised If deleted or must be uploaded again. is image the that imply may which changes any to subject however 18 months, approx for kept be will Your image Replacement of personalised cards your wallet again. again. wallet your in it store must you card anew receive you When Bank. the at available is card new the that notified be or card a new receive will you expires, card the Before linked. is it which to card the with simultaneously expires awallet in Acard valid. be longer no will card the which after card the on stated expiry of date the including and to up used be can card The addressed to the merchant. be must provided services of defects and errors concerning complaints Any merchant. the by provided services of etc forSydbank and errors defects assumes no responsibility defects and Errors the Bank of any changes in your postal address and/or email email and/or address postal your in changes any of Bank the inform to You obliged are electronically. or letter by changes any of notified be You will notice. without made be may advantage your to are that changes Any disadvantage. your to is change such if notice months’ two to subject changed be may Charges of Tariff the and Conditions Terms and The it. sending before half in it cut must you post, by card the send you If Bank. the to card the return must you Bank, the or you by terminated is agreement the If Charges. of Tariff the see agreement, the nating termi for afee charge may Bank the months, six of a period within agreement the terminate you If notice. month’s one to subject Sydbank with agreement the You terminate may card. the of use the for advance in paid fees any of refund proportionate a receive will you termination of case In notice. months’ two to subject agreement the terminate may Sydbank Changes in the Terms Conditions the and in Changes Version 10.0 –Valid from October 2020 8/14 the Bank’s standard card without an image. image. an without card standard Bank’s the receive will you upload, following 18 months approx after you for charge of free used be will image same the system, design card Bank’s the to upload from 18 months approx within

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15. Complaints 16.

stilsynet.dk/forbrugerinformation/her-kan-du-klage https://www.finan FSA’s website: Danish the on available is acomplaint direct to where about information General Sydbank branch. your contact can you or sydbank.dk at them find can you Conditions, Terms and the need you reason some for If –www.datatilsynet.dk Valby, Denmark 35, 2500 (Carl Agency Jacobsensvej the Danish Protection Data with complaint a file can you Sydbank, with resolution acceptable an obtain not do you If Sydbank. contact also can you card, your of blocking the regarding complaint a file to wish you If www.kfst.dk – Valby, Denmark 35, 2500 Jacobsensvej (Carl Authority Consumer and Competition Danish The fees. about mation infor and data payment of use the services, payment of to the use relating and obligations rights services, payment of implementation the with connection in requirements disclosure monitors Ombudsman Consumer The Payments. on Act Danish the with compliance Sydbank’s overseeing elseafklage Board: https://fanke.dk/det-finansielle-ankenaevn/indgiv Complaint Financial Danish the of website the on a link dk sek@fanke. (email: Denmark K, 1264 Copenhagen sal, 2. 62, Kongensgade St. Board, Complaint Financial Danish the do not an you obtain acceptable can contact resolution, you If Sydbank. contact can you complaints, any have you If vance, you will receive a proportionate refund. refund. aproportionate receive will you vance, ad in fee card annual the paid have you If force. into enter on the date terminated when the new and terms conditions be to deemed be will agreement the effect, this to Sydbank notify you If conditions. and terms new the by bound be to wish not do you that effective become they before Sydbank inform you unless accepted been having as considered be will these made, are Conditions Terms and the to changes If dress. ad postal or address email your in change any of Sydbank inform to failed have you if changes of notification receiving not for responsible are you and address email or postal your in changes any of Sydbank inform to You obliged are cally. electroni or letter by changes any of notified be You will address. postal and/or number phone mobile address, email your in change any of Sydbank inform to failed have of changes if you responsible notification for not receiving are you and any, if number, phone mobile as well as address New copy of the Terms Conditions the and copy of New ), tel +45 35 43 63 33. You can contact the board via via board the +45), 35 tel 43 63 33. You contact can . Moreover you may complain to the authorities authorities the to complain may you . Moreover ) monitors the rules for fees in other respects. other in fees for rules the ) monitors ). . ------

17.4 17.3 17.2 17.1 17. 18. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S

withdrawal. withdrawal. of time the at kroner Danish to withdrawal your convert to offer the accept to you for advantage an is it whether decide can you that so Bank Central European the by published EUR and DKK between rate exchange the to relative closed dis be must charge additional The DCC. for owner ATM the by charge additional the about information to entitled are you ATM, an from euro withdrawing or country EU an in ATM an from awithdrawal making When EU. the within (DCC) Conversion Currency Dynamic to apply rules Specific merchant. the by used rate conversion the on influence no has Bank the that and rate exchange Bank’s the from differ may merchant the by used rate the that aware You be should conversion. the with connection in used rate exchange the and charged fees the of you inform must merchant the approval, your give you Before kroner. Danish in is pay you amount the that so made is payment before conversion acurrency duct con to offer may amerchant abroad, card your use you If Conversion) Currency (DCC –Dynamic conversionCurrency by merchants where the rate is obtained. obtained. is rate the where on depending rates exchange official several have Europe, outside mainly countries, some Moreover debited. is account your time the and card Visa/Dankort your used you time the between changed have may rate exchange The notice. without effective become will Charges of Tariff the in stated rate reference the in es Tariff of Charges, see under “Reference rate”. chang Any Conversions in are the based on described the methods kroner. Danish in ited deb always are and Charges, of Tariff the see kroner, Danish into converted are abroad made withdrawals and Purchases abroad card the using when rates Conversion used abroad shops. and in internet foreign is card Visa/Dankort your when afee charge may Merchants merchant’sThe fees Tariff of Charges at sydbank.dk. the from appears advance in charged are they whether and charged are they when as well as fees any on Information fees Bank’s The individual assessment. assessment. individual to subject issued are cards Visa/Dankort and cards Dankort Fees and currency conversion currency and Fees Assessment of card applicants card of Assessment Version 10.0 –Valid from October 2020 9/14

- - - - 19. 20. ( Valby, Denmark 35, 2500 Jacobsensvej Carl Agency, at [email protected] Officer Protection Data Sydbank’s contact can you data, personal your of processing the about complaint a file to wish you If at [email protected] Officer Protection Data Sydbank’s email to welcome than more are you data, personal your of processing the regarding questions any have you If card. the use to able be longer no will you that note please consent, your revoke you if However Sydbank. contacting by data personal your of processing the to consent your revoke time You any at may codes. single-use send to order in Nets by stored and to on passed be will number mobile your Nets, by Secured Dankort and Secure Visa for registration with connection In years. five year current the for stored be will information The card. the of use unauthorised any prevent to order in or legislation by required where payments, execute to only on passed be will information In other respects Regulation. Protection Data General EU’s the with accordance in information the process and store to obliged is which Inc., Visa by stored be also will payment your execute to used information the card, Visa/Dankort your of part Visa the use you When tion. correc error subsequent any to relation in and statements bank in bookkeeping, Bank’s the in used is information The Bank. the and bank/Nets merchant’s the merchant, the by stored is information The Sydbank. to merchant the by on passed is information The Council). the of and Parliament European (EU) 2016/679 (Regulation Regulation Protection of the Data General EU’s the including rules, protection data the with accordance in processed is information The payments. of execution the for including agreed as card the of use your for required as solely processed is you about Information data. personal as considered is used was card Visa/Dankort or card Dankort your where as well as use of date amount, number, card the as such information use, card with connection In data. personal of processing the to consent you card Visa/Dankort or card Dankort a using and Conditions Terms and these accepting By blocked, see 9 and 11, this will be registered with the banks’ banks’ the with registered be will 11, 9and this see blocked, been has card Visa/Dankort or card Dankort your When of information information of disclosure and storage use, the to Consent and Visa/Dankort cards cards Dankort blocked of Registration [email protected] ). or the Danish Data Protection Protection Data Danish the or . - 21. Payment 22. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S

that part of the service that has already been performed. been already has that service the of part that for pay must you Moreover fees. party third as well as fees commitment charges, handling ordinary excluding however service, the for paid have you amount the return to obliged is Bank The Sydbank. from received have you services any return must you cancellation, of right your exercise you If receipt. the keep and letter registered a send can you time, in cancellation of right your exercised have you that documentation secure to wish you If branch. Sydbank your to made be can notification The agreement. the cancel to wish you if writing in or phone by Sydbank notify must you period cancellation the of expiry the Before ofcancellation Notification day. business following the on expire will period cancellation 31 24 the or December, June, Day, 5 Ascension following Friday holiday, public Sunday, aSaturday, on falls period acancellation of day last the If email. by or letter by eg writing, in information this received have you after 14 days until expire not does period lation you have and ordered. cancel the service The cancellation of right your concerning information including information, receive to entitled are you Contracts Consumer Certain on Act Danish the order. Under your placed or agreement the signed eg agreement, the entered you date the from runs period cancellation the rule ageneral As 14 days. within Sydbank with agreement an cancel to You entitled are cancellation of Right only. clients retail to apply and below described are cancellation of right the on The provisions of services. financial to selling distance lation re in cancellation of right the on provisions contains tracts Con Consumer Certain on Act Danish 18 the of Section gii.dk at or sydbank.dk at coverage the of scope the about read scheme forguarantee and investors). depositors You can losses against through the Guaranteetected Fund (Danish pro extent acertain to are you Bank the of acustomer As whether a card used for a payment has been blocked. been has apayment for used acard whether check can they that so Visa/Dankort via payments accept that merchants and banks to accessible is cards Dankort of register central The numbers. card blocked of list Visa’s in ed includ be moreover may cards Visa/Dankort Blocked cards. Visa/Dankort and cards Dankort blocked of register central Guarantee Fund Right of cancellation – retail clients –retail cancellation of Right Version 10.0 –Valid from October 2020 10/14 .

- - - - -

23. • use After • • • • • • • use During • • • • • • use Before below. advice the following by secure more even them make to help can You negligible. is cards Dankort of misuse the and available payment of means safest the of one are cards Payment you. and Sydbank by completely performed been has sent con express your with agreement the if period cancellation the of expiry the before lapse will cancellation of Your right cancellation of right of Lapse and BlueCard Visa/Dankort –Dankort, advice Useful

statement. statement. bank your or NetBank –via entries account your Check clasps and certain electronic equipment. equipment. electronic certain and clasps bag magnetic as such fields magnetic to close too is card the if destroyed be may stripe magnetic card’s the in information The stripe. magnetic card’s Take the of care your statement. check you when for it save and receipt your Remember in. filled been has amount total the before areceipt sign Never screen. or terminal the on amount total the Check yourself. present are you if –even feature security personalised other or PIN your card, your use else anyone let Never your card. helpers” when using “friendly from assistance Decline anyone. by overlooked not are you that sure Make it. entering when PIN your Protect the internet, reading mails etc. mails reading internet, the on surfing when sense common use you that and updated kept is which system operating an updated, kept is which programme antivirus an have you that important is It phone. mobile your open to required is password/code a that and times all at version recent most the with updated is device the that sure Make wallet. digital your eg installed have you which on devices the Protect contexts. other in apassword as PIN your use not Do it. know must else one no and personal is It police. the or Bank the –including else anyone to feature security personalised other or PIN your disclose Never husker sydbank.dk/pinkode at available are memorisers PIN PIN. your remember to able be always will you whether sure not are you if memoriser aPIN Use PIN. your Memorise home. For instance, do not leave it for to others see. from away as well as home at safe it Keep cash. as card Visa/Dankort and card (BlueCard) Dankort your Consider . - ­ 24. 25. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions 20350.1020 · Sydbank A/S your correspondence. your correspondence. on spying anyone against yourself protect you way this in Bank the with communicating By Sydbank. contacting –when phone by or NetBank via –eg Bank the by mended recom communication of method secure the use Always SydbankContact www.nets.eu/dk www.dankort.dk www.crimprev.dk at: available is information Further internet the on more Read be used. cannot and immediately blocked be Your will number. card registration civil or number account your as well as Sydbank is bank your that address, and name your You state must 11 68 +45 36 44 – fax 249 +45 249 44 – tel on: immediately Nets or branch Sydbank your Contact authorisation. without number card or card your using is someone that or PIN your knows someone that suspect you if Also stolen. is or missing goes card Visa/Dankort or card (BlueCard) Dankort your if immediately it Report stolen or missing is card Visa/Dankort or card (BlueCard) Dankort your If merchants. at identity your of proof provide to required be You counter. also may the over withdrawals make to wish you if passport your see to ask often will banks Foreign ID photo other or passport your Remember displayed. is logo Visa the where merchants and machines payment ATMs, at PIN your use only may you abroad When care with PIN your Use Dankort, BlueCard or Visa/Dankort. Visa/Dankort. or BlueCard Dankort, by payments with connection in code security three-digit card’s the sometimes and date expiry card’s the number, card your enter must you online, shop to wish you If shop. ordinary an in as internet the on safely as made be can kort Dankort (BlueCard)Transactions and Visa/Dan involving • • Useful advice – Visa/Dankort abroad –Visa/Dankort advice Useful Useful advice – online transactions –online advice Useful Version 10.0 –Valid from October 2020 11/14 Nets as soon as possible. possible. as soon as Nets or Bank the Contact misused. been has it that suspect you if or missing is card your if action Take immediate card. your lost not have you that regularly Check

­ - 26. 27. recognise, you should contact the Bank immediately. immediately. Bank the contact should you recognise, not do you that entries are there If statements. bank your check should you case the not is this If agreement. NetBank a have you if entries account your check You regularly can entries account your Check receipt. this save also should You email. via eg purchase, the for areceipt send to obliged shop is internet necessary. if The purchase/subscription the cancel can you so site the and shop the of address web the save to remember Also print. ascreen making by or copy ahard as either purchase the from documentation the save should you article, an ordered have you When documentation the Save intention. your is this unless payments or several entail does not involve a subscription transaction single this that You ensure must carefully. sale of ditions con the read should you apurchase, make to wish you If sale of conditions the Read tion between your computer and the online shop is secure. secure. is shop online the and computer your between tion and you can check the easily connec whether encryption shops Most foreign also use encryption. using information payment your protect must shops internet Danish All Denmark in data of Protection code. single-use the with received message text the in stated are amount correct the and merchant the of name the that check always should you required, is Nets” by cured Se “Dankort or Secure” “Visa where online shopping When sage. code or received the single-use mes by text transactions online for password your eg feature, security personalised other or PIN your NemID, your disclose to you ask never will others or Nets bank, your merchants, that note Please them. of knowledge obtain to anyone allow received message) by text to anyone else or otherwise code single-use (eg password for PIN, online transactions, You features must not disclose your personalised security page. following the to proceed to order in nor information”, “membership any of part as ID, an as Not number. card your enter to, asked are you though never, even should you situations other In something. for pay to wish you where situation purchase actual an in are you unless number card your disclose Never features your cardProtect number and personalised security General advice – online transactions –online advice General Dankort (BlueCard)Dankort and Visa/Dankort involving transactions online – advice Specific - - - -

Card BlueCard 28. –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions

20350.1020 · Sydbank A/S Glossary www.forbrug.dk your mobile phone. on awallet in stored be may that card Visa/Dankort your of part Dankort the or card Dankort your of version A virtual Dankort på mobilen wallet. a in card the and card physical the for term A collective Visa/Dankort and Dankort symbol symbol contactless the to 0-3cm of adistance at card the hold to sufficient is It terminal. card the in card the placing without chip card’s the using payments are payments Contactless awallet. in card your or card physical The well. as BlueCard includes Dankort or card the to reference Any 31 24 and December. Day, 5June, Ascension following day Fri holidays, public and Sundays Saturdays, except days All Banking day www.forbrugersikkerhed.dk is available at: on online transactions information Further more? Iread can Where can continue. the subscription that so number card new the about merchant relevant the inform to need will you subscription, amobile or Rejsekort as MobilePay, such Brobizz, Netflix, subscriptions taken out have you If number. card anew receive will you renewed, is card Visa/Dankort or card (BlueCard) Dankort your When cards Visa/Dankort or cards (BlueCard) Dankort New etc. number card your disclosing before detail in subscription the of ditions con payment the study should you Therefore part. your on any action shop to the shop amounts to transfer without internet the allow you asubscription, out take you When shops online with Subscriptions connection. shops that do not use an encrypted in shop You not should secure. is connection the before etc number card your enter not Do address). (web URL the fore be or browser internet your of corner right-hand lower the in padlock agreen be will there secure is connection the If Version 10.0 –Valid from October 2020 12/14 on the card terminal. terminal. card the on

- - - Nets NemID to the cardholder the cardholder. in order to authenticate issuer card the by available made elements Personalised feature Personalised security code. the single-use must be used together with password The online. shopping with connection in feature security personalised your as create you A password transactions for online Password several cards. same with code personal,The secret used in connection PIN One banks. of behalf on system Dankort the managing company –the Denmark Nets Secure. Visa and Nets by Secured Dankort for register to used be can types both but NemID OCES and NemID Bank between made is distinction Atechnical signature. adigital is NemID the when card. using donations make or etc points bonus earn subsequently can cardholder the and programme aloyalty of aprovider to linked be can card acardholder’s where solutions for term overall An programmes Loyalty conversion rate used. the on influence no has Sydbank and merchant the by made is conversion currency The kroner. Danish in abroad pay to you enable to ATMs some at and merchants some by used Is Conversion Currency Dynamic merchants. online or merchants physical with purchases future for stored is information card your where solution software-based apersonal is wallet A digital wallet Digital on the internet. transactions making when information card of use unauthorised the against ty securi of layer extra an provides Nets by Secured Dankort Nets by Secured Dankort payment. of moment the at mobilen på Dankort standard the as way same the in works limit amount the with card virtual The (Nets). Dankort by determined limit maximum the to ever how always subject card virtual the of use the for limits the sets who cardholder the is It limit. amount the with card tual a child) to another use person the vir (typically authorises and card avirtual for limit amount an sets cardholder the where asolution is limit amount an with mobilen på Dankort limit amount with mobilen på Dankort - - - –Dankort (BlueCard) andVisa/Dankort Terms and Translation: Reglerfor Dankort (BlueCard) ogVisa/Dankort Conditions Transaction SSL Receipt PIN 20350.1020 · Sydbank A/S shop, over the internet etc. etc. internet the over shop, a in purchases individual or withdrawals cash for A term branch. Sydbank your at available is es Charg of Tariff The time. to time from force in etc fees The Charges of Tariff over the internet. transit in data of protection the for used standard encryption an is SSL Layer. Sockets Secure of abbreviation an is SSL Secure. Visa or Nets by Secured Dankort offering to make purchases for merchants from online transactions password your with along code the need You phone. will bile mo registered the on message text by receive you A code code Single-use into Danish kroner. payments foreign convert to used exchange of rate The Reference rate tronically. elec or paper on provided apayment about Information på mobilen. Dankort for you by chosen code secret personal, the as well as card physical your to attached code secret personal, The card. Visa and/or card Dankort by payment accepts which and access physical shop,Any or hotel, restaurant other place to there which is Physical merchant Secure. Visa and Nets by Secured Dankort PIN), (eg merchants physical at payments with transactions are features used for to instance execute alised security Person similar. or recognition face afingerprint, a wallet, for apassword message, text by received code single-use a transactions, online for apassword aPIN, be could This Version 10.0 –Valid from October 2020 13/14

- - - - Wallet Visa A provider of wallets to be used for Dankort på mobilen. på Dankort for used be to wallets of A provider Wallet provider phone. mobile your to downloaded be can that app an as ble availa are Wallets stored. are cards virtual other or mobilen where eg Dankort på solution A personal software-based on the internet. tions transac when making use of card information unauthorised the against security of layer extra an provides Secure Visa Visa Secure Visa system. of the rules the international determining association The payment. the approve to card payment the of back the from (CVC/CVV) code security the enter only must and data card saved the load can cardholder the shop, net inter an in apayment make to needs cardholder the When information. card his of part store may cardholder the where and standard PCI the to according approved security been has which software payment in used is ID device Unique Unique ID device - - - Translation: Regler for Dankort (BlueCard) og Visa/Dankort

Tariff of Charges – Dankort (BlueCard) and Visa/Dankort

Annual card fee 1) Other fees Replacement card, per card 6) DKK 150 Dankort DKK 195 Visa/Dankort 2) DKK 195 Recovery of sales slip BlueCard DKK 0 If sales slip is in accordance with invoiced amount, per slip DKK 200 In other instances DKK 0 Withdrawal fees in Denmark Unjustified complaint, per instance DKK 250 Dankort and Visa/Dankort At Sydbank’s ATMs DKK 0 Courier fee At other banks’ ATMs 2) DKK 8 Per delivery abroad outside the Nordic countries, Over the counter at non-Sydbank branch 2) DKK 8 EU, Switzerland and Liechtenstein DKK 400

BlueCard Reorder of PIN At Sydbank’s ATMs DKK 5 Per PIN DKK 50 At other banks’ ATMs 2) DKK 8 Over the counter at non-Sydbank branch DKK 8 Personalised card Per image 6) DKK 100

Resetting of spending abroad 3) Withdrawal fees abroad (Only in exceptional cases and according to agreement with Sydbank) DKK 200 Visa/Dankort As a cash card in EU countries DKK 8 As a cash card outside EU countries 1.5%, min DKK 40 4) Games and lotteries If the card is used at merchants that predominantly offer gambling As a payment card DKK 0 4)+5) and betting services, for instance casinos, lottery ticket sellers and race tracks, a spending limit of DKK 5,000 per day may apply. Withdrawal limits in Denmark 1) The annual card fee is payable in advance. Sydbank’s ATMs 2) No charge for cards issued to 18/29 Konto and Ung Privat during banking hours * DKK 10,000 accounts. Discounts possible via Sydbank Favorit. Sydbank’s ATMs 3) Not possible in connection with Dankort and BlueCard. outside banking hours * DKK 6,000 4) In connection with the use of Visa/Dankort cards abroad, foreign Other ATMs in Denmark per day DKK 2,000 currency will be converted to Danish kroner (DKK) at the refer- ence rate published at www.nets.eu/valutakurser for the individ- * Banking hours: all weekdays from 9:00 – 18:00 ual currency as well as an additional charge as stated below: a) European currencies published at www.nets.eu/valutakurser For contactless payments via Dankort cards (exchange rate on the banking day before the transaction is and Visa/Dankort cards, the spending limit cleared at Nets) plus 1.5%. for purchases at merchants without using b) Other currencies published at www.nets.eu/valutakurser the PIN is DKK 350 per purchase. (exchange rate on the banking day before the transaction is cleared at Nets) plus 2%. Exceptions may occur. 5) Merchants outside Denmark may charge a fee in connection Withdrawal limits abroad 4) with purchases. The merchant will inform you of the fee. 6) First-time replacement to a personalised Dankort card or Cash withdrawals Per day DKK 2,000/ Visa/Dankort card: personalised card charge only. Discounts In any 30-day period DKK 25,000 possible via Sydbank Favorit. 7) No charge for cards issued to 18/29 Konto and Ung Privat As a payment card In any 30-day period DKK 25,000 accounts.

Sydbank reserves the right to change the Tariff of Charges.

Valid from March 2020

Translation The above is a translation of the Danish “Regler for Dankort (BlueCard) og Visa/Dankort”. In case of doubt the Danish original applies.

14/14

Sydbank A/S · Sydbank 20350.1020 Version 10.0 – Valid from October 2020