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This information and these terms and conditions are to be stored and/or printed.

Conditions for using the Hello bank! application

By installing the BNP Paribas Fortis SA Hello bank! application (hereafter "the Hello bank! application"), which can be downloaded from the Apple App Store or Google "Google Play" on compatible devices, users ("users") acknowledge and agree to these conditions of use for the application. These conditions of use are subject to change. In this case, users will be warned via a specific message in the application and/or via the www.hellobank.be site.

Hello Bank! takes the greatest care to ensure the quality of this application. It takes all reasonable steps to ensure the data in this application is correct and up-to-date. Nevertheless, Hello Bank! cannot give any explicit or implicit guarantee as to the completeness, accuracy and actuality of the data in the application or the results of any simulation to the user

Hello Bank! can change at any time without warning users in advance, the information in this application and if necessary, without prejudice to the provisions of contracts entered into with users, interrupt access to all or some services to which it gives access, especially in the event of risk of fraud, abuse or maintenance reasons, or to make improvements or modifications to the application. Hello Bank ! will strive to limit the interruption time as much as possible and will strive to inform users of the duration of this interruption.

Without prejudice to additional damages, Hello Bank ! also reserves the right to prohibit, at any time and without notice, access to all or some of the application for any users if they do not obey these conditions of use, use the site for illegal or immoral purposes or those which damage the integrity, security or reputation of Hello Bank! and the application.

Editor

The editor of this application is:

BNP Paribas Fortis SA, Montagne du Parc, 3, 1000 Bruxelles, VAT: BE 0403.199.702- RPM Brussels.

In its capacity as a credit institution governed by Belgian law, BNP Paribas Fortis SA is subject to prudential supervision by the National Bank of Belgium, and to control in terms of investor and consumer protection by the Financial Services and Markets Authority (FSMA). BNP Paribas Fortis SA is registered as an insurance intermediary under FSMA No. 25879 A

The supervisory authorities' addresses are:

Autorité des Services et des Marchés Financiers (FSMA)
Rue du Congrès/Congresstraat 10-16
1000 Brussels – Belgium
www.fsma.be

National Bank of Belgium (NBB)
Boulevard de Berlaimont/Berlaimontlaan, 14
1000 Brussels – Belgium
VAT number BE 0203.201.340 - Brussels RPM/RPR
www.bnb.be

Content of the Hello bank ! application

This application has an information section, an interactive section and a transactions section

The information section aims to inform users of a range of products and services that Hello Bank ! offers to users. Unless explicitly stated otherwise, this information does not aim to give personalized advice or issue a personal invitation from Hello Bank ! to subscribe to these products or services. Any further information about this can be obtained from the Hello Team (02.433.41.42), via the available form in the application or on the www.hellobank.be.

The interactive section contains the parts of the application which the user can use to fill in certain data which, after automated processing of the data entered, allow them to obtain certain results. This is the case, for example, of requesting to connect to Hello Bank ! or simulations. As users complete this data themselves, Hello Bank ! cannot guarantee the accuracy of this information.

This application also has a transactions section so that users can perform banking transactions or subscribe to new services.

When services available are for Hello Bank ! customers only, access to them requires subscription to the services in question using the means of identification and signature contractually required.

The means of identification and signature are strictly personal and confidential.

Users alone are responsible for their use and for maintaining their confidentiality and agree not to divulge them, in accordance with the subscribed contractual conditions.

Responsibility for the use for the Hello bank ! application

Other than in the event of gross or intentional misconduct on its part, Hello Bank ! and its employees are not liable for direct or indirect loss or damage suffered by users as a result of using the application or if it impossible to use it for any reason whatsoever. This applies especially to the use of non compatible equipment or configurations to download and use the application.

Except in the event of serious or intentional misconduct by itself or its approved subcontractors, Hello Bank ! can also not be held responsible for damages, direct or indirect, caused to a user as a result of:

In a general way and without prejudice to the exemption clauses described above, Hello Bank ! cannot and does not offer any guarantees regarding:

Ownership and intellectual property rights

The services offered via the Hello Bank ! application, particularly texts, illustrations, formatting and the application itself are protected by intellectual property rights which belong to BNP Paribas Fortis or which the bank, its associated companies, particularly BNP Group companies or even third parties can assert.

The user has a non exclusive and non transferable right to use this application. However, users have no property rights or other intellectual rights. Users only have the right to access the contents of the application, to consult it and use the proposed services in a normal way via the application, according to their purpose only for their personal needs.

The user cannot make this application available to third parties, in full or in part, for free or in exchange for payment; nor may they copy, translate, adapt, compile or modify the Hello Bank ! application or some of its content in any way, without the explicit authorization of Hello Bank !.

Nevertheless, users have the right to perform the transactions necessary to use the Hello Bank ! application in a way consistent with its purpose, such as loading, displaying or storing operations of the Hello Bank ! application.

The brands, names and logos, whether registered trademarks or not, on the Hello Bank ! application, are the sole property of BNP Paribas Fortis, other companies of the BNP group or even of other companies and cannot be reproduced. Users cannot use them as metatags on websites.

Confidentiality

Any information or material sent to Hello Bank via this application will be processed in line with with relevant applicable legal and regulatory requirements.

Governing law and jurisdiction

Access to and use of the Hello Bank application, and these Conditions of use are are governed by and shall be construed in accordance with Belgian legislation. In the event of a dispute, the courts of Brussels are competent.

Severability and Changes

In the event any of the terms or provisions of these Conditions of use are held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision.