Common use of Fees and limits Clause in Contracts

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Initial load/Top-up fee Free Fee charged when money in branch you load or top up regardless of payment method. Like a commission fee Top-up fee online – to your foreign currency Free wallets Top-up fee online – to 1.25% your Euro wallet Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals EU€2.00 GB£1.50 US$2.50 Fee for withdrawing cash at a cash machine. Some AU$3.50 NZ$3.50 CA$3.25 ZAR20.00 TRY5.50 operators may charge their own fee CHF3.00 AED8.00 MXN40.00 PLN8.00 CZK50.00 HRK15.00 SEK20.00 JPY200.00 Get your money back Cash out fee at a branch Free No fee for cashing out your card before the card expires, or after a period of 12 months after the expiry date Other Inactivity fee €2.50 per month Fee charged after a 15-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 4% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee €12.50 (or currency equivalent) Fee charged if a payment takes your balance below zero Annual government stamp duty Up to €5.00 per calendar year There is a charge of up to €5.00 per calendar year when you use your card for cash machine withdrawals in the Republic of Ireland and at retailers Our Services Replacement card fee Free Free service to send you a new card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available

Fees and limits. The fees that apply to your card or to the services are as follows. Categories Fees How much? The explanation Getting started/adding Initial loadmoney Load/Top-up fee – foreign currency wallets Free Fee charged when money in branch you load or top up regardless of payment method. Like a commission fee Load/Top-up fee online – to your foreign currency Free wallets Top-up fee online – to Euro wallet 1.25% your Euro wallet Additional card fee Free No fee for getting a backup card, where available Currency transfer fee Free No fee for moving money between wallets. Foreign exchange rate applies, varies each day Spend money/get cash Fee for paying with the card Free No fee for paying with your card, whether at retailers or online. Some retailers may charge their own fee Fee for cash machine withdrawals EU€2.00 GB£1.50 €2.00 £1.50 US$2.50 CA$3.25 AU$3.50 NZ$3.50 AED8.00 ZAR20.00 CHF2.20 TRY5.50 Fee for withdrawing cash at a cash machine. Some AU$3.50 NZ$3.50 CA$3.25 ZAR20.00 TRY5.50 operators may charge their own fee CHF3.00 AED8.00 MXN40.00 PLN8.00 CZK50.00 HRK15.00 SEK20.00 JPY200.00 Get your money back Cash out fee at a branch store – from your foreign currency wallets Free No fee Fee for cashing out your card before the card expires, or after a period of 12 Cash out fee at a store – from your Euro wallet 1.25%, maximum €8.00 months after the expiry date Cash out fee by calling Card Services €8.00 Other Inactivity fee €2.50 per month Fee charged after a 15-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance Foreign exchange fee 45.75% Fee for using your card for a transaction in a currency which is not available on your card or you don’t have enough balance in the transaction currency and the rest is taken from another currency wallet Shortfall fee €12.50 (or currency equivalent) Fee charged if a payment takes your balance below zero Annual government stamp duty Up to €5.00 per calendar year There is a charge of up to €5.00 per calendar year when you use your card for cash machine withdrawals in the Republic of Ireland and at retailers Our Services Replacement card fee Free Free service to send you a new card whilst you are away if you lose your card, or it is stolen or damaged, where this service is available