General terms and conditions ABN AMRO Credit Card

These general terms and conditions are made up of three sections: Section 1: General provisions (Articles 1 to 20) Section 2: No Spread Payments Facility (Articles 21 to 23) Section 3: Spread Payments Facility (Articles 24 to 28) Your ABN AMRO Credit Card is not automatically provided with the Spread Payments Facility. Sections 1 and 2 of these general terms and conditions apply. If the Spread Payments Facility is agreed, sections 1 and 3 of these general terms and conditions apply. SECTION 1. GENERAL PROVISIONS Article 1. Denition of terms ABN AMRO: ABN AMRO Bank NV, our partner in issuing your Card. Merchant: a company, an institution and/or (internet) shop where you can pay with your Card. BKR: Credit Registration Ofce in Tiel. Card: the ABN AMRO Credit Card that we have issued to you, which can be either the Main Card or the Extra Card. Card Fee: the annual fee that you must pay us for your Card. Documentation: the product information, charges and conditions that you have received from us with respect to your Card. Extra Card: every additional Card that we have issued in addition to a Main Card. An Extra Card is always linked to a Main Card. Spread Payments Facility: the option to repay us the outstanding balance of your Card in instalments. Main Card: the Card in addition to which an Extra Card has been issued. APR: annual percentage rate Agreement: the agreement between you and us with respect to your Card or if you opted for the Spread Payments Facility your Card and the Instalment Facility. The Agreement comprises the Documentation and these general terms and conditions. MasterCard: MasterCard Europe sprl. or MasterCard International Inc. PIN: the personal identication number to be used in combination with your Card; You (you/your): the holder of the Card; We (us/our): International Card Services BV. Visiting address: Wisselwerking 32 1112 XP Diemen, the Netherlands. Postal address: PO Box 23225, 1100 DS Diemen, the Netherlands. We are regulated by De Nederlandsche Bank NV (Westeinde 1, 1017 ZN Amsterdam), and by the Netherlands Authority for the Financial Markets (Autoriteit Financile Markten, Vijzelgracht 50, 1017 HS Amsterdam). Exchange Rate: the exchange rate determined by MasterCard, plus 1.95%. You can contact us for the applicable Exchange Rate. Article 2. Commencement, term and termination of the Agreement 2.1. The Agreement shall take effect from the moment: (a) you activate your Card; or (b) you make the rst payment or the rst cash withdrawal with your Card; or (c) you make your rst payment to us; or (d) you otherwise agree with the Agreement. 2.2. The Agreement is entered into for an indenite period. You are entitled to terminate the Agreement in writing or by telephone at all times with observance of a 2-week notice period. We are also entitled to terminate the Agreement, in which case a 2-month notice period applies. 2.3. We are authorised to immediately block your Card and the related facilities if any of the following situations occur or seem to occur: (a) you are in breach of the Agreement, for example if you are in arrears with payments; or (b) your Card is reported stolen, lost or missing; or (c) your credit rating has deteriorated signicantly; or (d) the outstanding balance exceeds the spending limit; or (e) you have been declared bankrupt or you have been granted a statutory debt adjustment; or (f) misuse, unauthorised use or fraudulent use of your Card; or (g) you die; or (h) you have left or will leave the Netherlands to relocate to a different country; or (i) you no longer reside at the home address you provided to us; or (j) you are involved in fraud. 2.4. If we block your Card, we will notify you as soon as possible. We will not do this if this constitutes a breach of the law or if this is unwanted due to security reasons. 2.5. Your Card has an expiry date. Your Card is valid up until that date. Prior to this date we may declare your Card invalid, or issue a new Card. A new Card will be attached to the general terms and conditions and sent to you. The general terms and conditions to which your Card is attached will apply to the use of your Card. 2.6. You may dissolve the Agreement within 14 calendar days from its commencement date. This can be done free of charge. If, however, you have already used your Card or the related facilities within that period, you will of course need to repay us the costs for that use. If you had already paid your Card Fee, we will refund it to you. 2.7. If the Agreement has been terminated or your Card has been blocked: (a) you may no longer use your Card; (b) your Card is invalid; (c) your Card can be rejected and/or withdrawn by us, a Merchant or a bank; (d) at our request you must cut your Card into four pieces and return it to us. If you do not return the cut-up Card, a penalty will be due. The penalty is 25 for every day your Card is returned too late. The total penalty will not exceed 1,000. If our loss and/or damage exceeds 1,000 we may also recover the amount in excess of the total penalty. Article 3. Our general obligations 3.1. We will perform our services with due care. Article 4. Your general obligations 4.1. Your Card is personal. You are responsible for the use of your Card and must carefully keep your Card in a safe place. 4.2. Whenever you use your Card, you must check if your own Card is returned. You must check at least once a day if your Card is still in your possession. 4.3. We may issue instructions on the safe use of your Card, such as MasterCard Secure Code for making online purchases, or instructions on keeping your PIN secret. You must follow these instructions. 4.4. You must notify ABN AMRO immediately of any changes in your contact details such as your email address, and any other changes relevant to the Agreement. Article 5. PIN and condentiality 5.1. Your Card has a PIN. This PIN has been chosen by you or was issued to you automatically. Just like your Card, this PIN is non-transferable and may only be used by you. 5.2. You must not disclose the PIN to anyone, including relatives, housemates and our employees. You need to ensure that others cannot see you entering your PIN. You must not write down the PIN on your Card or on any document you keep with your Card. Should you write down the PIN, you must ensure that others cannot recognise it as such or can identify its use. 5.3. Any additional personalised security codes concerning your Card, such as a login name or password, may also only be used by you and must be kept secret as well. Article 6. Loss, theft and misuse 6.1. You must notify us by telephone of any loss, theft or (suspected) misuse of your Card, PIN and/or other personalised security codes. You must do this immediately after you have discovered this or could have discovered this, for example by checking your account statements or the secure internet environment. You must conrm this notication immediately to us in writing and you must le a report with the police. 6.2. If you have complied with your obligations under Articles 4, 5 and 6.1, you will not bear any risk concerning the use of your Card after the loss, theft or for the misuse. However, if you failed to comply with these obligations, if you appear to have committed fraud, or in the event of a wilful act or gross negligence on your part, you will be liable for the use of your Card after the loss, theft or for the misuse of your Card. Article 7. Extra Card 7.1. The holder of a Main Card may apply for an Extra Card. This Agreement will equally apply to the holder of any Extra Card issued. 7.2. If the Agreement with the holder of the Main Card ends, the Agreement with the holder of any Extra Card will end as well. 7.3. Any communications to the Card-holder will be sent only to the holder of the Main Card, also the communication to the holder of the Extra Card. 7.4. Any payment of a positive balance will be made only to the holder of the Main Card. Article 8. Card Fee 8.1. The annual Card Fee is payable by you, unless agreed otherwise. The amount of the Card Fee is stated in the Documentation. The Card Fee forms part of the outstanding balance, to which Articles 22 and 25 apply. If the Agreement ends in the course of a current year, we will refund the Card Fee for the remaining months to you. Article 9. Personal data 9.1. We will use your personal information in accordance with and for the purposes laid down in the Dutch Code of Conduct for the Processing of Personal Data by Financial Institutions. The purposes for which we process your personal data include: (a) the assessment and acceptance of your application for a Card; (b) the performance of the Agreement; (c) the handling of national and international payment transactions; (d) analyses for statistical and research purposes; (e) sending information about products, services and promotions. Before doing so we might analyse your personal data, information about the use of your Card, and the type and quantity of services you obtain from us; (f) protecting the security and integrity of the national and international nancial sector, including combating, prevention and detecting criminal activities as well as attempts to engage in such activities; (g) compliance with statutory obligations. For the purposes referred to under (a) to (c) inclusive, we may pass on your personal information to MasterCard. If you do not want to receive the information mentioned under (e), you can let us know free of charge at freepost number Antwoordnummer 1110, 1110 VB Diemen. 9.2. Your Card includes insurances. For the execution of these insurance agreements we may pass on your personal data to the insurance company, which under the applicable (privacy) laws is the responsible party with respect to the insurance agreements. 9.3. If you apply for a Card, we will carry out a credit check. We will consult the BKR register for this check. We will also consult this register and/or credit agencies to obtain information about your nancial situation. We will do this if we have a reasonable interest in such consultation, for example if you apply for a new spending limit or if you are in arrears with payments. 9.4. We may record telephone conversations with you for employee training and assessment purposes and/or for recording evidence. Article 10. Amendments to the Agreement 10.1. We may amend the Agreement within the limits set by law. We will inform you about this 2 months before we amend the Agreement. You must notify us in writing within these 2 months if you disagree with the amendment. In that case you are entitled to terminate the Agreement at no cost. If you do not terminate the Agreement within these 2 months, you are considered to have accepted the amendment. Article 11. Making payments with your Card 11.1. You can use your Card to make payments to Merchants and withdraw cash from banks or cash points all over the world. If you insert your Card into a cash point, pay machine or imprinter and subsequently enter your PIN or place your signature to make a payment and/or withdraw cash, you are considered to have agreed to the payment. At certain cash points, such as toll or parking machines, you are considered to have agreed with the payment by inserting your Card only, so without entering your PIN or placing your signature. If you make an online, telephone or similar purchase, you are considered to have agreed with the payment by providing your Card details and allowing the payment order. Consenting to the payment order means that the related amount will be charged to your Card. It is not possible to cancel payments, payment orders and cash withdrawals after consenting to the transaction. 11.2. We do not guarantee permanent, uninterrupted use of your Card. This after all depends on many external factors including the Merchants cooperation and the performance of computer or telecommunication systems operated by us, third parties and/or Merchants. Also the balance on your Card may be insufcient and a maximum cash withdrawal limit per day could apply. We shall not be liable when the Card cannot be used, when it cannot be used in time or not in full. 11.3. If you make a payment with your Card, we will pay the amount in question on your behalf to the Merchant in question. 11.4. Merchants and/or afliated banks may make additional or special requirements on accepting your Card such as proof of identity. They can also charge you for making payments with your Card. 11.5. You may instruct us to transfer money from your bank account to your Card and vice versa. We will carry out these instructions within one working day following the working day on which we received the instruction. When such instructions are in writing this period is extended by one working day. When we carry out instructions for a money transfer, this also implies that we will send instructions to our bank or your bank for further processing. Because of that it may take several working days for the amount to be credited to your bank account or your Card. 11.6. A money transfer may be refused or delayed because: (a) you didnt provide the requested information correctly and in full; or (b) there is an insufcient balance on your Card or your bank account; or (c) your Card has been blocked, is invalid or has been withdrawn; or (d) we suspect fraud, misuse or irregularities, or (e) there are malfunctions with regard to equipment or means of communication. We will notify you as soon as possible by telephone, in writing or via email if a money transfer is rejected or delayed. Article 12. Savings option 12.1. You are allowed to have a positive balance on your Card. We will pay interest if your positive balance exceeds 500. The interest rate will be specied on the account statement if any interest is paid. We may change the interest rate, in which case we will notify you by means of the account statement or otherwise. Article 13. Spending limit 13.1. The spending limit of your Card is determined by us. You are not permitted to spend or withdraw any amount in excess of this spending limit. You must immediately repay any amounts in excess of the spending limit to us. We may adjust the spending limit. 13.2. If you have a positive balance on your Card you may spend the spending limit plus the positive balance. 13.3. If an Extra Card has been issued, a joint spending limit will apply to the Main Card and Extra Card. Only the holder of the Main Card may change the spending limit. Article 14. Foreign currency and transaction charges 14.1. Payments and cash withdrawals in foreign currencies will be converted into Euros on the basis of the Exchange Rate. The conversion will be carried out on the day we process the payment or cash withdrawal. Processing depends on the time the payment or cash withdrawal has been communicated to us. 14.2. We will charge you for cash withdrawals. You need to pay 4% of the amount withdrawn, with a minimum of 4.50.

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Article 15. Account statement 15.1. We will send you a monthly account statement or will make it available in the secure internet environment. The account statement states all new expenses and amounts received for that month. The term new expenses includes any charges you owe to us, such as the Card Fee, the Exchange Rate, transaction charges, penalties and interest. The account statement also species the outstanding balance for that month. 15.2. You must immediately check the account statement received or placed in the secure internet environment, or in any case within 30 days from the account statement date. 15.3. If you require any additional account statement or information, we may charge you for this. We will let you know in advance what that charge will be. Article 16. Disputed amounts 16.1. If you disagree with any amount stated on your account statement, you can dispute this amount. You need to dispute the amount as soon as you have checked your account statement. You must dispute an amount in writing including your grounds and reasons for the dispute. You cannot dispute an amount on the ground that the Merchant has not complied with his obligations, for example by delivering goods or services which are incorrect, faulty or broken. Neither can you dispute an amount on the ground that your Card has been stolen, lost or misused. In that case the provisions of Article 6 apply. 16.2. If you dispute an amount within 14 days from the account statement date and you provide sufcient grounds and proof, the disputed amount will be immediately deducted from the outstanding balance. This occurs provisionally: if it becomes evident that the dispute is unjustied, we will then re-charge the amount to your Card. The amount will not be deducted from the outstanding balance if there is no reasonable chance for the disputation to succeed. 16.3. If you do not dispute the amount within 14 days after the date on the account statement, the disputed amount will not be deducted from the outstanding balance until it becomes evident that the dispute is justied. 16.4. The following disputation is an exception to Articles 16.1 and 16.2: (a) at the time you agreed with the transaction, the exact transaction amount was not yet known (this does not refer to the Exchange Rate); and (b) the transaction amount is higher than you could have expected, for example based on your previous spending patterns. Any dispute on these grounds needs to have been received by us at least 8 weeks from the date the amount is processed. If the dispute is justied, we will refund the amount to you within 10 working days. 16.5. If we ask you to provide any further information or documentation, you must do so within 10 days of this request. 16.6. If you fail to meet any of the obligations under this Article, the dispute will not be handled (any further). 16.7. The term for disputing an amount lapses after 13 months. After this term we are, however, authorised to correct any general or calculation errors. Article 17. Liability 17.1. We will not be liable for any loss and/or damage, on any grounds: (a) in connection with products or services that you have paid for with your Card; or (b) resulting from the blocking, withdrawal or invalidation of your Card; or (c) resulting from our refusal to carry out a payment order. 17.2. If you instructed us to transfer money from your Card to your bank account or vice versa, and we fail to carry out this transaction correctly or completely, we will be liable for the amount of that particular order only. We will not be liable if we can prove that the amount was received by your bank. If we are liable, we will refund your loss as soon as possible. Article 18. Insurances 18.1. Your Card includes a Purchases Insurance (see Article 18.2) and a Flight Delay and Luggage Insurance (see Article 18.3). The cover of these insurances is determined by the policy conditions. On request we can send you a copy free of charge. The most important features of these insurances are described below. 18.2. Purchases Insurance: briey summarized, insurance cover is provided for a period of no more than 180 days from the date of purchase against loss, theft and damage regarding practically all items of movable property that have been paid for with the Card (either in full or in part). Cover is provided only if you have your permanent residence in the Netherlands. An excess of 50 per event applies at all times. 18.3. Flight Delay and Luggage Insurance: briey summarized, insurance cover is provided during a period of 60 days regarding practically every scheduled ight paid for with the Card against the following events: ight delay (maximum cover 140) and luggage delay (maximum cover 410). 18.4. If your Card has been blocked for the reason given in Article 2.3.(a), you cannot le a claim under the insurances until the blockage has been lifted. Article 19. Delivery and Internet guarantee 19.1. Delivery guarantee: if a product you paid for with your Card is not delivered on the agreed delivery date, we will refund the purchase amounts to you providing the following two conditions have been satised: (a) you rst made an unsuccessful demand to the Merchant to deliver the product; and (b) you have requested us to refund the purchase amount within three months from the agreed delivery date. We will refund the amount within 30 days of your request, unless the Merchant has, within that period, delivered the product to you after all, or refunded the purchase amount directly to you. You may request for the delivery guarantee up to 1 year following the payment date. 19.2. Internet guarantee: if an unauthorised internet payment has been made with your Card, or an incorrect amount has been charged to your Card we will refund that amount to you. The Card needs to have been in your possession at the time of the payment, and you will need to dispute the payment as described in Article 16. Article 20. Other provisions 20.1. Your Card will remain our property. We are authorised to assign the Agreement to a third party provided that the statutory framework conditions have been met. You have given your prior permission for that purpose. 20.2. We may amend, expand or terminate any payment options of your Card. 20.3. Our administration will serve as conclusive proof. You are entitled to provide proof to the contrary. 20.4. All of our communications about the use of your Card, the Agreement and its execution will be in Dutch. Our communications will be made in writing, via email, by text message, by telephone or via our designated internet sites. 20.5. We will send you a copy of the Agreement on request. 20.6. We have an internal complaints procedure. You may submit complaints to us in writing. Should you not be satised about the way we have handled your complaint, you may contact the Dutch Financial Services Complaints Board (www.kid.nl) after we have given you our nal position on the complaint. 20.7. This Agreement is governed by the laws of the Netherlands.

SECTION 2. NO INSTALMENT FACILITY Article 21. Transferring money from your Card account to your bank account 21.1. Contrary to Article 11.5, you can only transfer money to your bank account if you have a positive balance on your Card. Article 22. Repayments and the consequences of non-payment, late payment or partial payment 22.1. The account statement of your Card species the outstanding balance you have to repay us. You must repay the full outstanding balance within 21 days of the date mentioned on the account statement. Each time you fail to do so, we will charge you a penalty of 1.17% of the outstanding balance. This penalty will be specied on the next account statement and will be part of the outstanding balance. 22.2. If you do not repay the full outstanding balance within 21 days from the date of the subsequent account statement, we will block your Card. 22.3. If your Card has been blocked and you repay the full outstanding amount, including penalties, we may de-block your Card at your request. We may reassess your nancial situation before we agree to your request. After the Card has been de-blocked, you can use your Card as before. 22.4. We will immediately charge the above-mentioned penalty to your Card without rst sending you a demand for payment. You must immediately pay the penalty to us irrespective of the reason, and whether or not you are responsible for the partial and/or late payment. In addition to the penalty, you must still repay the outstanding balance. 22.5. If your Card is blocked, we will charge you default interest on the outstanding balance until you have paid this balance in full. The default interest equals the statutory interest for non-commercial transactions. We may also charge you statutory collection costs calculated over the outstanding balance. Before we do so, however, we will send you a demand for payment. 22.6. We are obliged to report any unauthorised arrears in payment to BKR. Article 23. Balance immediately due and payable 23.1. If the Agreement is terminated or your Card is blocked, you must repay the outstanding balance immediately and in full. SECTION 3. SPREAD PAYMENTS FACILITY Article 24. Spread Payments Facility 24.1. The Spread Payments Facility is a continuous credit. If we have approved your application, we will conrm the agreed interest rate, the spending limit, the APR and the total credit amount to be paid by you. This conrmation forms part of the Agreement, and the percentage and amounts mentioned will apply from the date the Agreement takes effect. 24.2. The APR represents the total credit costs, expressed as an annual percentage of the total credit amount. We determine the APR and the total credit amount to be paid by you on the basis of the following assumptions: (i) you will withdraw the full amount of your spending limit as a lump sum, (ii) you will repay this full lump sum in twelve monthly instalments, (iii) you will pay the Card Fee, and (iv) you will not use your Card for making any further payments. Article 25. Repayments, interest and waiver 25.1. The account statement of your Card species the outstanding balance you have to repay us. You may repay the outstanding balance in instalments, for which we will charge you interest. Each month you must repay us at least 2.5% of the outstanding balance with a minimum of 20. 25.2. Interest will be calculated as follows: (a) Interest is charged on every amount charged to your Card account. The following amounts may be charges to your Card: any payment, cash withdrawals, money transfers and costs such as the Card Fee, Exchange Rate, transaction charges and interest. Interest will be charged on payments and cash withdrawals starting from the dates they were made. Interest will be calculated on the money transfers and the costs starting from the date of their entry. (b) The interest will be calculated on a daily basis. Depending on the number of days in a month, the interest amount may therefore vary per month. The interest equals the statutory interest for non commercial transactions (which may be found on wetten.overheid.nl by entering the search Besluit wettelijke rente (Statutory Interest Decree) plus the maximum number of percentage points as contained in section 4 of Besluit Kredietvergoeding (Lending Rate Decree). This Decree may be found on the site wetten.overheid.nl. When interest is charged, the interest rate will be mentioned on the account statement. We may charge you a lower interest rate. (c) We charge you interest on a monthly basis. The interest amount is a separate item on the account statement but forms part of the outstanding balance. 25.3. We will not charge you any interest if you repay the outstanding balance given on an account statement in full within 21 days from the date mentioned on the account statement. In that case the interest is waived. To qualify for such a waiver, you must each time repay the full outstanding balance given on an account statement. 25.4. If you do not to repay the full outstanding balance given on an account statement, we will charge you interest on the full outstanding balance of that account statement, also on the part you did repay within 21 days. In addition, we will immediately charge interest on all subsequent amounts charged to your Card. This interest cannot be waived. You will re-qualify for a waiver if you have repaid the full outstanding balance of a subsequent account statement within 21 days again. 25.5. Interest will always be charged on money transfers from your Card to your bank account. This interest will never be waived. 25.6. Amounts received will be used to pay rstly interest and costs, and secondly the principal amount due. 25.7. We may change the interest rate with immediate effect. We will notify you of this change via the account statement or in a different manner. 25.8. If you do not repay us the minimum amount in full or in time, we will send you a demand for payment. You must then pay the amount due within 7 days. If you fail to do so, we will charge you default interest on every outstanding amount. The default interest equals the interest referred to in Article 25.2.(b). Article 26. Registration at BKR and the consequences of late payment 26.1. We will register the Agreement with BKR. 26.2. We are obliged to report any unauthorised arrears in payment to BKR. Such a report may adversely affect your application for a mortgage or any other loan. Article 27. Balance immediately due and payable 27.1. The full outstanding balance must be repaid immediately and in full in any of the following situations: (a) You have not repaid the minimum amount due for at least 2 months, even after we have sent you a demand for payment. (b) You knowingly provided incorrect information when you entered into the Agreement with us, and we would not have entered into the Agreement under any or the same circumstances if we had had the correct information. (c) You have left or will leave the Netherlands to relocate to a different country. (d) You have died and we have sound reasons for assuming your obligations under the Agreement will not be met by your heirs. (e) You have been declared bankrupt or you have been granted a statutory debt adjustment. Article 28. Termination and end of the Agreement 28.1. After termination of the Agreement, you may no longer use your Card. The Agreement will continue to apply until you have repaid all amounts due in full. The Agreement will end after that.

This English translation has no legal force and is provided to the customer for convenience only. The conditions in the Dutch language shall be binding and prevail in all respects. The law of the Netherlands shall apply.