easy_banking

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GENERAL TERMS AND CONDITIONS OF THE EASY BANKING SERVICE

(Valid from 22/04/2013)

I. GENERAL

The Easy Banking service is governed by the General Terms and Conditions of BNP Paribas Fortis Bank SA/NV, with registered office in 1000 Brussels, Montagne du Parc/Warandeberg 3, RPR Brussels, VAT BE0403.199.702, FSMA 25879A. Under these General Banking Regulations, the specific provisions of the Easy Banking service are set out in these General Terms and Conditions, and in the contract or application signed by the holder, the manuals and technical appendices, and any notices of amendment sent to holders under the procedures stipulated in Article XII below.

The Bank reserves the right to call upon subcontractors for the provision of the aforementioned service.

II. GLOSSARY

In these General Terms and Conditions, the following terms are used:.

by means of which the holder can identify himself as part of the access procedure for the Easy Banking service and its use;

III. PROVISIONS FOR ACCESS TO THE EASY BANKING SERVICE AND THE ACCOUNTS - DELIVERY OF MEANS OF ACCESS

III.1. Access to the Easy Banking service

Access to and use of Easy Banking is only permitted for subscribers to the PC banking services over 18 years old and who have a mobile telephone number registered in Belgium. Subscription to the Easy Banking service can be done via PC Banking or the mobile applications provided for this purpose by the Bank.

Access to and use of Easy Banking is only permitted with the Bank's dedicated interfaces, namely :

The conditions and stipulations to create such a connection are included in the technical appendices on our websites www.bnpparibasfortis.be, under Easy Banking and www.hellobank.be.

This connection method is subject to change.

III. 1.1 Use of Easy Banking

The subscriber must use the identification procedures made available by the Bank to identify himself to the Easy Banking service. They must comply with the instructions and information given in the technical handbooks and appendices.

Depending on the Easy Banking interface and version of the interface in use, two identification procedures are presented to the subscriber.

For the mobile internet interface (m.bnpparibasfortis.be) and the Easy Banking application up to and including version 1.3, the following identification procedures are presented to the subscriber.

On each attempt to connect to the Easy Banking service, the subscriber must enter the following data on his device :

For the Easy Banking application as of version 2.0 or for the app Hello bank! as of version 1.0, the following identification procedures are presented to the subscriber.

The holder can connect to the Easy Banking service via the identification procedures with a card reader using the card and pin code or with "a text message " using the Easy Banking password.

As a safety precaution, the registration of the device will be automatically deactivated every three months, which will make this identification procedure unusable.

When the next attempt is made to connect, the holder will identify themselves by using the card reader or a " text message ". The registration of the device will then be renewed, which will once again activate this identification procedure for future attempts to connect.

The registration of the mobile device can be deactivated by the holder at any time by calling the contact centre (+32 2 762 20 00) for the Easy Banking application or (+32 2 433 41 42) for the app Hello bank!.

The Bank reserves the right to deactivate the registration of the device and to subsequently make this identification procedure unusable at any time in the event of technical issues, suspicion of improper or fraudulent use or for any other objective security reason.

Whenever the registration of a device is deactivated, either by the Bank or following a request from the holder, the latter will choose to use one of the two other identification procedures below.

On each attempt to connect to the Easy Banking service, the subscriber must enter the following data on his device :

Each time an attempt is made to connect to the Easy Banking service, the holder enters the following data on their device :

Step one : their access number and PAN number. He selects the option " Send signature by text message ", which sends a request for the creation of a text message signature by the Bank's computer system. Step two : the access number and the SMS signature are already filled in in the corresponding fields. The user then enters the password he has chosen.

III.1.2. Entering incorrect PINs and passwords

Easy Banking can no longer be used after three incorrect passwords in a row are entered.

Holders, who forget their passwords, can solve this problem in PC banking. . He will also be able to change his password at a later date by using the applications to which he has access. The holder will be informed by the Bank of the availability of this new function and of its terms and conditions of use on the websites www.bnpparibasfortis.be under Easy Banking and www.hellobank.be. Easy Banking can no longer be used after three incorrect passwords in a row are entered as part of the identification or signature procedure with the card reader. Holders who have forgotten their PIN should request the Bank to issue a new PIN.

III.1.3. Password and PIN security

The password selected by the customer and the PIN are strictly personal and confidential.

The Bank takes suitable measures to make sure that the password and pin code used for the Easy Banking service are kept secret.

III.2.. Terms of access to services

The Easy Banking service is activated when it is used for the first time.

Through Easy Banking the holder has access to the services described in Article IV below.

III.3. Terms of access to the accounts

The holder has access to the following accounts for the financial transactions which are carried out using the Easy Banking service and depending on the interface used as specified above in Article III. 1:

Whenever the holder carries out a transaction using Easy Banking, they can view the list of available accounts on the device screen. This list is constantly updated to take account of events that affect the status of these accounts or change the Easy Banking holder's relation to these accounts.

Subscribers to the Easy Banking service may only carry out those transactions on an account that are compatible with the scope of their authorisation to use the account in question.

IV. DESCRIPTION OF SERVICES

IV.1. Services linked to Easy Banking

Easy Banking allows the subscriber to connect to the Bank's computer system with a device to access certain services within the restrictions and conditions provided in these General Terms and Conditions. These services include: : consultation, transactions, information, data management. It also allows the holder to buy and to manage certain financial services and other services marketed by the Bank.

De dienst Easy banking biedt de houder de mogelijkheid om zich via een toestel te verbinden met de computer van de Bank om binnen de beperkingen en voorwaarden die in deze Algemene voorwaarden zijn vastgelegd, toegang te krijgen tot bepaalde diensten, zoals daar zijn: consultatie, transacties, informatie, beheer van gegevens. This list is subject to change. The Bank can add, change or cancel certain services. The complete list is available on our website www.bnpparibasfortis.be under Easy Banking and www.hellobank.be.

Certain services may be governed by special terms and conditions. Registering for these services implies the acceptance and application of their specific terms and conditions that will form an integral part of these General Terms and Conditions.

The Easy Banking service also enables holders to contact a bank advisor for the above purposes if the device permits this action; all telephone conversations are fully recorded by the Bank.

IV.1.1 Easy TransferSubscription to the Easy Banking service acts as a subscription to the Easy Transfer service.

This service is governed by these Easy Banking General Terms and Conditions and the special conditions for the Easy Transfer service as set out in Appendix 1 to the these General Terms and Conditions.

IV.1.2 Carrying out transactions using Easy Banking

IV.1.2.1 European transfers

Transfers can be entered via the Easy Banking service. The holder must comply with the instructions and information given in the manuals and technical appendices.

IV.1.2.2 Fully electronic transactions

The transfer is executed as a fully electronic transfer and takes place as follows:

In the event of a technical issue affecting the "Device identification - Password authentication", the Bank will resend the "text message signature" by using the Easy Banking application or the app Hello bank!. In this case, the "Device identification - Password authentication" will be deactivated.

IV.1.3. Zoomit

The Easy Banking service allows the holder, via the Zoomit service, which is governed by the Zoomit service regulations set out in Appendix 1 to the General Banking Regulations for cards and Phone banking and PC banking services, to access documents defined in these regulations and to manage them.

The payment, via Easy Banking, of invoices made available as part of the Zoomit service, takes place within the amount limits set, which apply to all transfers made to a third party, under Article V below.

V. LIMITS AND MAXIMUM AMOUNTS

V.1. Transfers

Under this Article, a transfer in favour of a third party is understood to be any transfer to an account not accessible to the holder as part of the Easy Banking service, i.e. an account other than those mentioned in Article III.3 of these General Terms and Conditions.

The following limits apply for all transfers entered by Easy Banking:
-transfers from a current account to a savings account and vice versa are limited to the available balance on the account to be debited;

Transfers in favour of third parties made by Easy Banking are limited to a maximum of EUR 2,500 per account per week. The Bank may subsequently increase this maximum amount to EUR 25,000 per account per week. The holder will be informed by the Bank of the introduction of this new higher maximum amount on the websites www.bnpparibasfortis.be under Easy Banking and www.hellobank.be.

However, the Bank reserves the right to cap this maximum amount at an amount it will set itself in the event of a risk of fraud or similar abuse.

VI. OBLIGATIONS AND LIABILITY OF THE HOLDER

VI. 1. Basic obligations - Security of password, text message signature, card, PIN code and signature and identification procedures The holder must use the Easy Banking service under the terms and conditions governing its issue and use.

The holder must make sure that he is performing his transactions directly in the Easy Banking service as described above. In particular, access to and use of the Easy Banking service or use of identification and signature procedures (made available by the Bank as part of the Easy Banking service) must take place only on the mobile internet site and the mobile applications provided by the Bank for this purpose.

The password, the SMS signature, the card, the PIN and the signature and identification procedures are strictly confidential to the subscriber.

The holder shall take all necessary precautions to guarantee the safety and, where appropriate, the secrecy of his password, SMS signature, card, PIN and signature and identification procedures. In particular, he agrees to memorise every password and PIN, not to write them down in any document, on any object or in any electronic file and not to share them or disclose them in any way. He also states that he shall prevent his password, PIN and signature and identification procedures from being accessed or obtained by any third parties.

VI.2. Notification of loss, theft or any risk of fraudulent use of password, PIN, cards, devices and signature and identification procedures

The holder of a Easy Banking service shall notify the PC banking Helpdesk immediately when they become aware of the loss, theft or any risk of fraudulent use of their system of electronic identification and signature and/or device.

If the system of electronic identification and signature for Easy Banking involves the use of a card and reader, the holder shall notify CARD STOP immediately when they become aware of the loss, theft or any risk of fraudulent use of the card.

Holders must take every precaution to ensure that they become aware of such events without delay.

CARD STOP can be contacted round the clock on 070 344 344. CARD STOP records all telephone calls.

The PC banking Helpdesk is only available on certain days and at certain times. Subscribers may obtain information on the PC banking Helpdesk opening hours from their branch and from the websites www.bnpparibasfortis.be and www.hellobank.be.

If holders become aware of loss, theft or fraudulent use outside of PC banking Helpdesk opening hours, they shall notify the Helpdesk immediately as soon as the service is accessible again or as soon as reasonably possible.

CARD STOP or the PC banking Helpdesk, as the case may be, immediately provides the holder with a file reference number serving as proof that notification has taken place.

The events notified in accordance with this Article must be reported to the police authorities of the area where the loss or theft occurred within 24 hours.

VI.3. Notification of error or inaccuracy in account statements

Holders must check, as frequently as possible, the status of accounts used in the transactions they have carried out using the Easy Banking service, as well as the transactions recorded on these accounts.

If holders notice an unauthorised payment transaction in this respect, or one which has been incorrectly executed, they must act in line with the provisions under the "Payment services" heading with regard to payment transactions appearing in the Bank's General Banking Terms and Conditions.

VI.4. Liability for fraudulent use of Easy Banking, the password, PIN, card and signature and identification procedures

VI.4.1. Up until the time of notification

Until the time of the notification defined in Article VI.2, holders are liable for the consequences of the loss or theft of their device, their card or signature and identification procedures up to an amount of EUR 150, unless the holder acted with gross negligence or fraudulently, in which case this limit does not apply. In the event of business use, the above-mentioned cap does not apply.

VI.4.2. After notification

Once the notification as defined in Article VI.2 has been carried out, holders are no longer liable for the consequences of the loss or theft of their device, card or signature and identification procedures, unless the Bank can prove that the holder has acted with intent to defraud.

VI.4.3. The concept of gross negligence

VI.4.3.1. General

Depending on the actual circumstances and without prejudice to a judge's sovereign power to decide, the following is understood to be gross negligence on the part of the holder:

VI.4.3.2. Lack of precautionary measures with regard to the password, the PIN and signature and identification procedures

VI.4.3.2.1. Fraudulent use of the password, the PIN and the signature and identification procedure

Within the above restrictions, the following is understood to be gross negligence on the part of the holder:

The holder is not liable for gross negligence if violence is used against his person, property or family to obtain the password and/or PIN or if there is a threat of immediate violence to his person, property or family.

VI.4.3.3. Other cases of gross negligence

Within the scope of the above restrictions, it may be considered gross negligence of the holder if they enable the people listed below to use Easy Banking, the signature and identification procedures or the personal security features as a result of failure to take adequate precautions or exercise due attention with regard to the device, the password, the PIN, the card or the signature and identification procedures:

VI.5. Execution and irrevocable nature of orders sent using Easy Banking

Holders may not revoke an instruction to transfer funds issued by means of Easy Banking once it has been received by the Bank.

However, if the transfer of funds was due to occur on a date agreed with the Bank, it may be revoked at the latest the day prior to the scheduled execution of the payment order.

The transfer on a specified date or execution date can be recalled by means of the contact centre (whose details can be found on the websites www.bnpparibasfortis.be or www.hellobank.be or electronically by means of the "Delete" function in PC Banking. In the latter case, the recall will be signed by means of the signature procedures provided by the Bank as part of PC banking.

The account holder irrevocably authorises the Bank to debit their account with the amount of transactions carried out using Easy Banking. Any unauthorised negative balances which an account may display following these debits do not in any way represent that an overdraft has been granted, and must be settled immediately by account holders.

Transfer orders sent using Easy Banking shall be carried out by the Bank provided that the account status and the agreements that govern the account permit this.

The nature of such orders is not in any way affected by the fact that Easy Banking is used to send the orders to the Bank.

Holders are obliged to take every precaution to prevent any unwarranted payments; the Bank will not intervene in disputes arising in this respect between holders and those third parties that are beneficiaries of such payments.

VI.6. Security Measures:

The customer acknowledges and accepts that a permanently secured browser environment is a basic requirement to obtain access to and use the Easy Banking service and that the Bank cannot be held liable for a security risk that is caused by the customer's device, browser, operating system, internet connection, firewall, network, etc.

The customer shall ensure that the service is used according to the security rules on correct internet conduct and secured equipment and, if applicable, secured networks. These essential rules are provided online on the website www.bnpparibasfortis.be under Accounts and cards/All products/Remote banking/'" Easy Banking : how to keep it secure " and on the website www.hellobank.be..

VI.7. Precautionary advice

The Bank recommends that the holder take the precautionary measures set out in this article in relation to the use of Easy Banking.

VI.7.1 Precautionary measures regarding the password and PIN

You must keep your password and pin code secret: do not disclose them to anyone else, not even a family member, a friend nor anyone supposedly acting with the best of intentions.

No one – including your bank, police authorities or insurance companies – is entitled to ask you for your password and/or PIN.

Never write your password and/or PIN down, even in coded form (by disguising it as a telephone number, for instance).

When entering your password and/or PIN, do so away from prying eyes. Always ensure that you cannot be seen without your knowledge (hide the keyboard with your hand, for instance). Do not let anyone distract you. If you notice anything out of the ordinary, inform the Bank immediately.

When choosing a new password, avoid combinations which are too obvious (for instance part of your first or last name, your partner's or pet's name, a date of birth with your initials, etc.), or as regards choosing a PIN (for instance part of your date of birth, your telephone number, your postcode, etc.). Choosing the same pin code for all your cards and access codes may seem like an easy way out, but this is obviously risky.

If you have reason to believe that someone else knows your Easy Banking password, change it immediately using PC banking or subsequently also using the applications to which you have access. You will be informed by the Bank of the availability of this new function and its terms and conditions of use on the websites www.bnpparibasfortis.be under Easy Banking and www.hellobank.be. If it is no longer possible to access the service with your Easy Banking password, call the contact centre immediately (whose details can be found on the websites www.bnpparibasfortis.be or www.hellobank.be);

VI.7.2 Precautionary measures relating to the Easy Banking service

Do not leave your device unsupervised, especially when it is logged in to the Bank's computer. Close the program using the "Logout" button as soon as you are no longer using the Easy Banking service.

VI.8. Easy Banking service: right of use and intellectual property

The Easy Banking concept, its texts, its graphical presentation and its other integral elements are the property of the Bank and cannot be changed, copied or distributed under any circumstances without the prior written consent of the Bank.

VII. BANK'S OBLIGATIONS AND LIABILITY

VII.1. Internal transaction log

the Bank shall keep an internal log of transactions carried out with Easy Banking for a period of ten years from 1st January of the year following the date on which the transactions were carried out.

VII.2. Changes to the Easy Banking service user limits

The Bank reserves the right to refuse any application for an increase in the limit without being required to divulge the grounds for its decision.

VII.3. Proof of transactions carried out using Easy Banking

The essential data from all electronic money transfers made using the Easy Banking service are recorded and stored by the Bank in such a way that they can be reproduced in legible form on various types of media.

This data will be used by the Bank to provide proof of the fact that the transaction was correctly recorded and booked and was not affected by a technical malfunction or other defect, in the event that holders dispute any of these transactions and without prejudice to any evidence to the contrary that holders may produce.

VII.4. Continuity of online banking services

The Bank will use its best endeavours in designing and developing programs and software for access to online banking services.

The Bank will do all in its power to ensure continuity of the services and the security of its systems. However, the Bank may, without being liable for compensation, suspend services in order to maintain equipment or the existing software, or to install new versions of the software, provided that such suspension is limited to a reasonable period of time.

VII.5. Failure to execute transactions – erroneous execution of transactions – transactions carried out without authorisation – forgery

Without prejudice to the obligations and liability of the holder set out in Article VI, the Bank is liable for:

In all cases where the Bank is liable, pursuant to the first paragraph of this Article, it shall reimburse the holder as soon as possible, and depending on the circumstances, as follows:

 

In respect of the online banking services, the Bank does not accept any liability for any loss whatsoever, direct or indirect, arising either as a result of defective functioning of the customer's equipment or of telecommunication services provided by a third party, or as a result of the service being suspended for reasons beyond the Bank's control.

VII.6. Providing information

As part of the services, the Bank provides general and personalised information relating to accounts. The Bank will make every effort to provide accurate information.

General information is gathered from the best sources available. Other than in the event of gross negligence or deliberate transgression of duty, the Bank cannot be held liable either in the event of certain information transpiring to be inaccurate or for the way in which holders might interpret or use the information provided.

VIII. EASY BANKING - PROVISIONS WITH REGARD TO PRODUCING EVIDENCE

The recording of telephone conversations as scheduled in Article IV.1 is subject to the provisions of Article 9 of the Bank's General Terms and Conditions, relating to recording and processing personal data. The Bank keeps recordings for 10 years, after which they are destroyed, unless the Bank is obliged to keep them for longer on essential legal grounds, pursuant to regulations or on grounds of legitimate interest.

These recordings shall constitute full, irrefutable proof of the content of the call, including for orders and/or requests made by the holder. In the event of dispute, they may be produced as evidence before the body appointed to resolve the dispute.

If the holder considers that there has been an error or irregularity in the recording system, they shall be required to prove this.

The Bank reserves the right, when it deems useful or necessary, to ask the holder to confirm orders and/or requests made by telephone by means of fax, e-mail or any other electronic message system.

The Bank may postpone the execution of orders pending receipt of such confirmation.

Fax copies, printed e-mail messages and messages sent by any other electronic message system shall have the same evidential value as documents; and shall have the same evidential value as original documents.

Any loss or damage arising from fraud or error in respect of orders and requests confirmed by fax, e-mail or any other electronic message system shall be borne by the holder, unless the holder produces evidence of fraud or gross negligence on the part of the Bank.

The Bank reserves the right to postpone the execution of orders and/or requests confirmed by fax, e-mail or any other electronic message system if it is of the opinion that such orders are not sufficiently authentic, and to request a paper order or substantiating documents.

IX. TERM OF THE AGREEMENT AND CANCELLATION OF EASY BANKING

This agreement is made for an indefinite period.

Holders may terminate the agreement at any time, respecting a notice period of one month.

The Bank is entitled to terminate the agreement by giving two months' notice. In the case of professional use, a notice period of one month applies. However, the Bank may cancel the service with immediate effect if the holder fails to honour one of his obligations towards the Bank, or if the Bank becomes aware of facts that jeopardise the relationship of trust between the holder and the Bank.

Cancellation of the agreement relating to the PC banking service by the customer or the Bank, also leads ipso jure and under the same conditions, to the cancellation of the Easy Banking agreement.

The Bank reserves the right to suspend the holder's access to the Easy Banking services if:

The suspension of the holder's access to the PC banking service also leads to the suspension, ipso jure and under the same conditions, of access to the Easy Banking service.

Costs which are periodically levied in connection with this agreement are only due proportionally by holders until termination of the agreement.

X. RATES FOR THE EASY BANKING SERVICE

X.1. Fee payable for service

Subscription is free.

X.2. Other charges

The following items are or may be subject to charges:

The holder of the Easy Banking service will:

X.3. Information about pricing, credit or debit date and value dates

To this end, you are referred to the General Banking Terms and Conditions in terms of "Payment services" and to the price list which is available to holders in all branches of the

Bank and on the websites www.bnpparibasfortis.be and www.hellobank.be.

XI. COMPLAINTS AND REMEDY

Complaints can be submitted to the Bank through the customer's branch or through Customer Services or by using the complaint form available in PC banking or on the websites www.bnpparibasfortis.be and www.hellobank.be

If the proposed solution is not acceptable, the customer may file a written complaint to the Bank's Ombudsman Service by post to the following address:

Ombudsman Service / 1QA8D

Montagne du Parc 3

1000 Brussels

Fax: +32 (0)2 228 72 00

If the solution proposed by the Ombudsman Service does not satisfy the customer, the customer can, if a natural person and acting in a private capacity, present the dispute to the Office of the Ombudsman Banks - Credit - Investments, either by sending a regular letter to the address below, or by using the complaint form available on its website:

Service de Médiation Banques Crédit Placements

Rue Belliard 15-17, boîte 8

B-1040 Brussels

Tel.: +32 2 545 77 70

Fax: +32 2 545 77 79

www.ombfin.be

If the complaint is about a payment service, a written complaint can also be filed with the General Inspection and Mediation Office of the Federal Government Service for the Economy, SME, Private Companies & Energy, WTC III, Boulevard Simon Bolivar 30, 1000 Brussels.

XII. CHANGES TO THESE GENERAL TERMS AND CONDITIONS

Holders shall be informed of any amendment to these General Terms and Conditions by means of an advice included with an account statement, by standard mail or by means of another hardcopy medium to which holders have access. This information shall be provided at least two months before the amendments concerned take effect.

When sending the information mentioned in the first paragraph, the Bank shall also advise holders that they have a period of at least two months in which to terminate the contract, free of charge; if holders do not confirm termination within this period, they shall be deemed to have accepted the amended Terms and Conditions.

APPENDIX 1 TO THE GENERAL TERMS AND CONDITIONS OF THE EASY BANKING SERVICE: SPECIAL TERMS AND CONDITIONS OF THE EASY TRANSFER SERVICE

These Special Terms and Conditions form an integral part of the Terms and Conditions of Easy Banking. In the event of contradiction between the Terms and Conditions of Easy Banking and these terms and conditions, the latter shall prevail.

The Bank reserves the right, in execution of the Easy Transfer service, to call on the services of subcontractors.

I. DEFINITIONS

Unless specified or stated otherwise in these Special Terms and Conditions, the definitions included in Article I of the General Terms and Conditions of the Easy Banking service also apply.

For the purposes of these Special Terms and Conditions, the following terms are to be construed as defined below.

II CONDITIONS OF ACCESS TO THE EASY TRANSFER SERVICE

Access to the Easy Transfer service is restricted to holders of the Easy Banking service who may access the service by means of the interfaces provided by the Bank for this purpose.

Access to the Easy Transfer service therefore occurs after the user has been identified in the Easy Banking service by means of the applications provided for this purpose and has activated Easy Transfer, after the user has selected a mobile phone number and an Account number for the Easy Transfer service. The mobile phone number linked to the Easy Banking contract will be selected by default.

Any change in the data used to activate this function will entail the use of the Signature Procedureprovided.

Once the Easy Transfer service has been activated, the Holder will be able to log on using the identification procedures provided by the Bank.

The terms, conditions and procedures for access to and use of the Easy Transfer service are set out in the technical appendices on our websites www.bnpparibasfortis.be, under Easy Banking and www.hellobank.be,.

III DESCRIPTION OF THE SERVICE

The Easy Transfer service enables the Holder to instruct the Bank to carry out a European transfer in favour of a Beneficiary by means of a Payment Instruction as provided for under this service.

The execution of a European transfer via the Easy Transfer service involves an entirely electronic transaction that occurs as follows:

If the mobile phone number given in the Payment Instruction corresponds to a phone number selected by a customer who has activated the Easy Transfer service, the transfer will be carried out by debiting the Holder's account in favour of the account selected by the said customer when the service was activated.

If the Beneficiary does not have the Easy Transfer service, they will be notified by the Bank by means of an SMS that a payment in their favour is pending and will be invited to register on a website managed on behalf of the Bank (https://www.easytransfer.be.), so that the Bank has the information required to carry out the transfer. The Bank is entitled to use the information entered on this site to make the link between the mobile telephone number given in the Payment Instruction and the Beneficiary Account number and to make the transfer to the Beneficiary Account by debiting the Holder's account.

The status of the Payment Instruction issued can be monitored in the application. Further details of this status are given in the technical appendices referred to in Article II.

IV LIMITS AND CEILINGS

Transfers initiated via the Easy Transfer service are subject to an upper limit of EUR 250 per day, subject to the covering funds available in the Account to be debited. Transfers made via Easy Transfer are not included when applying the limits applicable to overall transfers entered via Easy Banking.

V HOLDER'S OBLIGATIONS AND RESPONSIBILITIES

V.1 Since the Easy Transfer service is a function of the Easy Banking service, the Holder's obligations and responsibilities under the Easy Banking service apply mutatis mutandis under the Easy Transfer service, unless stipulated to the contrary below.

V.2 By providing us with a Payment Instruction, the Holder assumes responsibility for the accuracy of the information sent to the Bank concerning the details that make it possible to identify or contact the Beneficiary.

V.3 The Holder can revoke a Payment Instruction only if the transfer has not yet been carried out (payment instruction with status "In Progress (pending) and In Progress (to be sent)" in the application).

V.4 The Holder irrevocably authorises the Bank to debit their Account with the amounts for transactions carried out using Easy Transfer. Any unauthorised amounts overdrawn on the Account as a result of these debits do not in any way represent that an overdraft has been granted, and must be settled immediately by the Holder.

V.5 The Holder accepts that in the event of a transfer to a Beneficiary who does not have the Easy Banking service, the Payment Instruction will not be carried out ("Not completed/ Not accepted" status in the application) if the Beneficiary has not registered on the site referred to in Article III within 5 calendar days of the Bank sending them an SMS inviting them to register on that site.

VI THE BANK'S OBLIGATIONS AND RESPONSIBILITIES

VI.1 Since the Easy Transfer service is a function of the Easy Banking service, the Bank's obligations and responsibilities under the Easy Banking service apply mutatis mutandis under the Easy Transfer service, unless stipulated to the contrary below.

The Bank provides such reasonable technical resources as are available to it to guarantee access and security of the Easy Transfer service, in accordance with relevant good practice. Other than in the event of gross or intentional misconduct on its part, the Bank is not liable for direct or indirect loss or damage suffered by the Holder as a result of using the Easy Transfer service or if it impossible to use the service for any reason whatsoever.

VI.2 The Bank shall not accept any liability for the fact that a Payment Instruction contains inaccurate information concerning the Beneficiary's mobile phone number. Likewise, the Bank will not accept any liability in the event of an error made by the Beneficiary when registering on the site referred to in Article III.

VI.3 The fact that the Holder sends an SMS informing the Beneficiary of a Payment Instruction sent to the Bank does not in any way bind the Bank regarding execution of the transfer, which will depend on the Holder and Beneficiary strictly complying with the Easy Transfer service procedures.

VI.4 The Bank is entitled to cancel a Payment Instruction "In Progress (pending) and In Progress (to be sent)" status either at the request of the Holder under article V.3 or on its own initiative for objective security reasons or if it suspects incorrect or fraudulent use.

VII DURATION, TERMINATION OR SUSPENSION OF THE EASY TRANSFER SERVICE

Independently of the terms and conditions of duration and cancellation of the Easy Banking service that also apply to the Easy Transfer service, the following special provisions apply:

The Holder may deactivate the Easy Transfer service by using the Signature Procedure provided.

The Easy Transfer service will be suspended if it is not used for 6 consecutive months. The Holder may lift such suspension via the application using the Signature Procedure provided or by contacting the Helpdesk on the number specified in the technical appendices referred to in Article II. Suspension of the Holder's access to the Easy Banking service will automatically entail suspension of the Holder's access to the Easy Transfer service, according to the same procedures. In addition, the Bank reserves the right to suspend, temporarily if appropriate, access to the Easy Transfer service for objective security reasons or if it suspects incorrect or fraudulent use.

Any Payment Instructions that are being processed when the Easy Transfer service is deactivated or suspended will automatically be cancelled ("Cancelled" status in the application).

VIII SCALE OF CHARGES FOR THE EASY TRANSFER SERVICE

Activating the Easy Transfer service is free.

In addition to what is specified in the General Terms and Conditions of Easy Banking, the Holder shall pay optional SMS charges if they decide to send an SMS to the Beneficiary as described in Article III. The charge for the SMS will depend on the service operator and the fee arrangements chosen by the Holder with the said operator.

IX INTELLECTUAL PROPERTY

The Easy Transfer concept, its texts, its graphical presentation and its other integral elements are the property of the Bank and cannot under any circumstances be changed, copied or distributed without previous written consent of the Bank.

X AMENDMENTS TO THESE SPECIAL TERMS AND CONDITIONS

The Holder shall be informed of any amendment to these Special Terms and Conditions by means of an advice included with an account statement, by standard mail or by means of another hard-copy medium to which the Holder has access. This information shall be provided at least two months before the amendments concerned take effect.

When sending the information mentioned in the first paragraph, the Bank shall also advise the Holder that they have a period of at least two months in which to give up this function free of charge; if the Holder does not give up the function within that period, they shall be deemed to have accepted the amended Terms and Conditions.

Easy Banking: Pre-contractual information

Information on BNP Paribas Fortis

Easy Banking is a financial service of BNP Paribas Fortis SA/NV, rue Montagne du Parc, n° 3, 1000 Brussels, RPR Brussels 0403.199.702, acting in its capacity as a provider of this service. BNP Paribas Fortis SA/NV is subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels and the supervision on investor and consumer protection of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels and authorised as insurance agent under FSMA number 25789 A

Main features and terms and conditions of the Easy Banking Service

Access to and use of Easy Banking is only permitted for subscribers to the PC banking services over 18 years old and who have a mobile telephone number registered in Belgium. You can subscribe to the Easy Banking service can via PC Banking or the mobile applications provided by the Bank for this purpose under the BNP Paribas Fortis trademark or Hello Bank.

Pricing

1. Fee payable for service

Subscription is free.

2. Other charges

The following are or may be subject to charges:

The holder of the Easy Banking service will:

The holder of the Easy Banking service shall bear the possible costs of the SMS that he sends to the Beneficiary as part of the Easy Transfer service.

Period of Validity of Information

The Bank may change the above features, terms and conditions and other stipulations applicable to Easy Banking specified above at any time. Unless otherwise specified, the information on these features, terms and conditions and other arrangements is therefore only valid on the date on which it is provided.

Right to Cancel – Right to Terminate

You are entitled to terminate your Easy Banking contract without having to pay a fine or without stating a reason. You can exercise this right up to 14 calendar days after concluding the contract by sending a registered letter to BNP Paribas NV/SA, Montagne du Parc, 3, B-1000 Brussels If you do so, you will only have to pay the costs of any services that have actually been provided, at the applicable rates. If you do not exercise this right, the PC banking service shall be provided for indefinite period.

Both you and the Bank will have the chance to terminate the Easy Banking service at any time under the stipulations of article IX of the General Terms and Conditions for the Easy Banking service.

Governing law – Competent courts – Miscellaneous

The relations between you and the bank, both those existing before the subscription to the PC banking service and those resulting from it, are governed by Belgian law. Any legal claims in relation to the Easy Banking service and its execution shall be heard by the court indicated in Article 23 of the General Terms and Conditions of BNP Paribas Fortis SA/NV.

Any messages in connection with and/or by virtue of the use of the Easy Banking service must be in the language recorded in the files of the bank at the start of the relationship.

Remedies

Without prejudice to any legal recourse, your complaints may be submitted in writing to:

BNP Paribas Fortis NV/SA
Office of the Ombudsman,
Montagne du Parc 3
B-1000 Brussels

If the holder is not satisfied with the solution proposed by the Bank, they may, provided they qualify as customers, submit the dispute to the

Service de Médiation Banques Crédit Placements
Rue Belliard/Belliardstraat 15-17, boîte 8
B-1040 Brussels
E-mail: Ombudsman@OmbFin.be