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conditions of

Personal Package
Consisting of:

  General Conditions of ABN AMRO Bank N.V.
  General Access Conditions of ABN AMRO
  General Conditions for Personal Access Code
  Conditions for Consumer Payment Services
  General terms and conditions ABN AMRO Credit Card
  General terms and conditions ABN AMRO Gold Card
  Conditions of Direct Sparen
  Conditions of Direct Kwartaal Sparen
  Conditions of Vermogens Spaarrekening
  Conditions for Joint Account
  General Conditions for ABN AMRO Stand-By Service

December 2011

General Conditions ABN AMRO Bank N.V.*
(in Dutch: ‘Algemene Voorwaarden ABN AMRO Bank N.V.’)

This translation is furnished for the customer’s

Article 2. Duty of care of the Bank and
of the Customer

convenience only. The original Dutch text will be

1. The Bank shall exercise due care when providing

This is a translation of the original Dutch text.

binding and shall prevail in case of any variance

services. In its provision of services, the Bank shall

between the Dutch Text and the English translation.

take the Customer’s interests into account to the best
of its ability. None of the provisions of these General

General Conditions ABN AMRO Bank N.V. consisting of:

Banking Conditions or of the special conditions used

Part I. General Banking Conditions

by the Bank shall detract from this principle.

(in Dutch: ‘Algemene Bankvoorwaarden’)

2. The Customer shall exercise due care vis-à-vis

Part II. Client Relationship Conditions

the Bank and shall take the Bank’s interests into

(in Dutch: ‘Voorwaarden Cliëntrelatie’).

account to the best of his ability. The Customer shall
enable the Bank to fulfil its statutory and contractual

I. General Banking Conditions

obligations and to render its services correctly. The

These General Conditions were drawn up in consultation

Customer shall not make improper or illegal use

between the Netherlands Bankers’ Association and the

(or allow improper or illegal use to be made) of the

consumers’ organisation ‘Consumentenbond’ within the

services and/or products of the Bank, also including

framework of the Co-ordination Group on Self-regulation

use that conflicts with laws and regulations, serves

Consultation of the Socio-Economic Council (SER)

criminal activities or is damaging to the Bank or to its

and will become effective on November 1st 2009.

reputation or to the integrity of the financial system.

No consultations took place on other (product-related)
conditions that may be applicable**. The Consumenten­

Article 3. Activities and objectives

bond reserves the right to start collective legal action

The Customer provides information to the Bank, taking

against such conditions.

into account the applicable privacy laws, at its first
request, about the Customer’s activities and objectives

Article 1. Scope

and about the reason for the (intended) use of the

The provisions of these General Banking Conditions shall

services and/or products of the Bank. Upon request,

apply to all existing and future legal relationships between

the Customer informs the Bank as to the origin of the

the Bank and the Customer to the extent that it is not

funds and securities deposited with the Bank or that are

otherwise provided in agreements and/or in special

to be deposited with the Bank and of goods that have

conditions. General conditions that a foreign branch of the

been given to the bank to hold in (open) custody.

Bank applies to its legal relationships with the Customer
shall prevail above these General Banking Conditions in

Article 4. Non-public information

the event of a conflict between the two. If other general

In providing its services, the Bank does not have to make

conditions apply or are declared applicable by or on behalf

use of non-public information, including price-sensitive

of the Customer, these shall not apply in the legal

information.

relationship with the Bank, unless the Bank has agreed
to this in writing.

* Translation of ‘Algemene Voorwaarden ABN AMRO Bank N.V.’, formerly translated in English as ‘General Banking Conditions’. Any references in bank documents to ‘General Banking
Conditions’ should be understood as references to Part I and II of the General Conditions ABN AMRO Bank N.V. jointly, unless it is obvious that only Part 1 is intended.
** Explanation bank: the Client Relationship Conditions are an example of such other conditions.

Page 1 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N.V.

February 2010

Article 5. The Bank or third parties as
the counterparty

Article 8. Signature

1. In providing its services, the Bank may make use of

example of their handwritten signatures at the Bank’s

third parties and may (partially) outsource activities.

first request at the Bank in a manner and/or in a form

The Bank may give goods, documents of title,

as determined by the Bank. The example provided by

securities or financial instruments that belong to

a person is deemed to be the representation of the

the Customer, whether or not held in the name of

Customer’s current handwritten signature, regardless

the Bank, to third parties in custody or have these

of the capacity in which the Customer acts vis-à-vis

administrated by third parties.

the Bank, until the Bank has been notified of a change.

The Customer and his representatives shall deposit an

2. If the Customer gives the Bank an order or an
itself as a counterparty in order to execute the order

Article 9. Authorisation and power
of representation

or authorisation, and the Bank may also transfer this

1. The Customer may grant a third party a power of

authorisation, the Bank may also do business with

order or authorisation to a third party.

attorney to do business with the bank on his behalf.

3. The Bank takes the necessary care into account in

The authorised representative is not authorised to

the selection of third parties. In the event that the

transfer the power of attorney granted to him to a

Customer has called in or appointed a third party,

third party. The Customer is liable vis-à-vis the Bank

the consequences of this choice are for the account

for the fulfilment of obligations, which have been

of the Customer.

entered into by the authorised representative.
The Bank can demand that an authorisation is granted

Article 6. Risk of dispatches

in a specific manner and/or in a specific form and/or

If the Bank, by order of the Customer, dispatches funds

according to a specific procedure. The Bank is not

or financial instruments, including securities, to the

obliged to (continue) to do business with an

Customer or to third parties, such dispatch shall be at
the Bank’s risk. If the Bank, by order of the Customer,

authorised representative.
2. If the authorisation of a representative of the

dispatches other goods or documents of title to the

Customer is revoked or a change occurs with regard

Customer or to third parties, such dispatch shall be at the

to the authorisation, the Customer is obliged,

Customer’s risk.

notwithstanding the registration in public registers or
the publication thereof, to notify the Bank as soon as

Article 7. Customer data

possible of this revocation or change. The Bank may

The Customer and the Customer’s representatives are

(continue to) legally execute orders that have been

obliged to cooperate with the Bank and to provide

given to the Bank by a representative before or shortly

information in order to determine and verify their identity,

after the Bank has received notification of the

their citizen’s (services) identification number, date of

revocation if the Bank could not reasonably prevent

birth, civil status, legal capacity and authorisation to act,

the execution.

postnuptial agreement, partnership agreement, legal

3. The General Banking Conditions and all other

form, place of residence or place of establishment, and

provisions, rules and limitations that apply between

insofar as applicable, the registration number with the

the Customer and the Bank also apply to the

chamber of commerce and/or other registers and their

representative in connection with the execution of his

VAT number. The Customer must inform the Bank as

representation. The Customer is responsible for the

soon as possible of any changes in this information.

compliance with the above by his representative and

The Bank may make copies of documents, which provide

shall ensure that the Customer and the representative

evidence of this information, and the Bank may record

keep each other fully informed about everything that

and file this information. If the Customer is a legal person

is important for them or could be important for them

or form of cooperation, the Customer and its

as Customer and representative.

representatives are also obliged, at the Bank’s first
request, to give the Bank insight into the ownership and
control structure of the legal person or the form of
cooperation.

Page 2 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N.V.

February 2010

Article 10. Personal data

orders received from or on behalf of the Customer.

The Bank may process personal data of the Customer

The Bank may (continue to) legally execute orders that

and the Customer’s representatives, as well as data

have been given to the Bank before or shortly after

regarding the products and services purchased by the

the Bank has received notification of the death of a

Customer, taking into account the applicable laws and

Customer if the Bank could not reasonably prevent

regulations and the codes of conduct that apply to
the Bank and the Bank may exchange this data within

the execution.
2. After the death of the Customer, the Bank can

the group to which the Bank belongs in connection with

demand that the person/persons who claims/claim

customer relationship management, to prevent and

to be authorised to perform (legal) acts with regard to

combat criminal activities and for commercial purposes.

the Customer’s estate submits/submit an attestation

Personal data can also be exchanged with third parties

of admissibility to the estate, issued by a Dutch

that that Bank makes use of in its business operations or

notary, and/or documents that the Bank deems to

in providing its banking services. This can entail, inter alia,

be acceptable as proof thereof.

in connection with payments, the passing on of personal

3. The Bank is not obliged to provide information again

data to third parties in countries that do not have the same

regarding actions and transactions that have been

level of protection as in the Netherlands. Personal data

carried out before the time of the death of

can be the subject of an investigation by authorised

the Customer.

national authorities of the countries where such data is
located in connection with the processing of the data both

Article 14. Name and address of the Customer

during and after the processing.

4. The Customer informs the Bank to which address
the documents and/or information that are intended

Article 11. (Video and audio) recordings

for the Customer can be sent. The Customer notifies

The Bank may, within the boundaries of the applicable

the Bank as soon as possible in writing of a change

laws and regulations, make (audio and video) recordings

of name and address. If the Customer’s address is not

for the purpose of sound business operations, providing

known or is no longer known at the Bank due to the

evidence, combating criminal activities and monitoring

Customer’s fault, the Bank can attempt to find out

quality. If the Customer requires the Bank to comply

the address of the Customer without being obliged

with an obligation to issue a copy or transcription of a

to do so. The costs of such an investigation are for the

recording, the Customer must first provide the relevant

Customer’s account. The Customer, whose address is

specifications such as the relevant date, time and

not known at the Bank, is deemed to have his postal

location.

address at the address where the Bank is located,
unless agreed otherwise.

Article 12. Continuity in the providing
of services

5. If a product or service of the Bank is purchased by
two or several persons, the Bank shall send the

The Bank aims to ensure the adequate functioning of

documents and/or information to the address, which

its facilities for the provision of its services (for example,

that person has provided to the Bank. If the persons

equipment, programmes, systems, infrastructure,

do not agree or do no longer agree on this, the Bank

networks); however, the Bank does not guarantee that

may make the choice itself to which address of these

these facilities will always be running correctly without

persons it will send the documents and/or

interruption. The Bank aims to avoid interruptions/

information.

malfunctioning, insofar as this lies within its sphere of
influence, within reasonable bounds or to remedy the

Article 15. Dutch language

interruption/malfunctioning within a reasonable time.

The communication between the Bank and the Customer
takes place in Dutch, unless agreed otherwise in writing.

Article 13. The Death of a Customer

The Bank can demand that the Customer has documents,

1. The Bank must be notified of the death of a customer

which are in a language other than Dutch, translated into

in writing as soon as possible. As long as the Bank

Dutch or into another language that the Bank agrees to

has not been notified of the death of a customer in

at the Customer’s costs by a person who is qualified to

this manner, the Bank may (continue) to execute the

translate these documents in the opinion of the Bank.

Page 3 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N.V.

February 2010

A translator who is a sworn translator in the language

information as soon as possible after this has been

in question is qualified in any case.

made available to the Customer. The date of dispatch
or the date of making the information available is the

Article 16. Use of means of communication

date of dispatch or the date of making the information

The Customer is obliged to make safe use of Internet,

available as is apparent from copies, distribution lists

fax, e-mail, post or other means of communication in

or otherwise from the Bank’s records. The Customer

the Customer’s communication with the Bank.

must check as soon as possible whether the bank
has executed orders given by the Customer or on

Article 17. Information and orders

behalf of the Customer correctly and completely.

1. The Customer shall ensure that the Bank shall receive

If the Customer does not receive a notification from

all information, which the Bank requires or which the

the Bank, whereas the Customer knows or should

Customer can reasonably understand that this

know that he could expect a notification from

information is necessary for the correct provision

the Bank, the Customer must inform the Bank

of services by the Bank. The Customer shall ensure
that statements, such as orders and notifications

of this as soon as possible in writing.
2. If the Customer notices a mistake or an omission,

to the Bank or to a third party appointed by the Bank

he must inform the Bank as soon as possible and take

are clear and comprehensive and contain the correct

all reasonable measures to prevent (further) damage.

information. The Customer complies with the

If the Bank detects that it has made a mistake or an

instructions and regulations issued by the Bank.

error, the Bank shall remedy this as soon as possible.

2. The Customer makes use of data carriers or means of
communication approved or specified by the Bank for
its communication with the Bank or with a third party

The Bank informs the Customer about the detected
mistake or error as soon as possible.
3. The Bank is authorised to remedy a mistake or error

designated by the bank. The Customer makes use of

without the Customer’s consent and to reverse an

this taking into consideration the Bank’s instructions

incorrect entry. The Bank is authorised to reverse the

and regulations.

crediting of an account of the Customer as a result of

3. The Bank may postpone the execution or refuse
to execute orders if these have not been submitted
correctly. In special circumstances, the Bank may

an order given by an unauthorised person or a person
without legal capability to act.
4. If the Customer requests a copy of information that

refuse to execute orders given by or on behalf of

has already been provided to him by the Bank,

the Customer or the Bank may refuse to provide

the Bank shall provide this to the Customer within

the requested service.

a reasonable period and the Bank shall receive a

Article 18. Evidential force of the Bank’s
records and record keeping period

reimbursement for the reasonable costs incurred
by the Bank, unless the Bank no longer has this
information or the request is unreasonable.

An abstract from the Bank’s records serves as prima facie
evidence vis-à-vis the Customer, subject to rebuttal

Article 20. Approval of bank documents

evidence produced by the Customer. The Bank is not

If the Customer has not contested the contents of

required to keep its records for a period longer than the

confirmations, statements of accounts, invoices, other

statutory record keeping period.

specifications or other information sent or made available
to the Customer by the Bank in writing within thirteen

Article 19. Checking the information provided
by the Bank and ­orders executed by the Bank

months after such documents have been made available

1. The Customer must check the confirmations, bank

of such documents shall, in any case and notwithstanding

to the Customer by or on behalf of the Bank, the contents

statements, invoices, other specifications or other

the Customer’s obligation pursuant to Article 19, be

information that the Bank sends to the Customer or

deemed to have been approved by the Customer. If such

makes available to the Customer as soon as possible

documents contain any arithmetical errors, the Bank shall

after receiving this. If the Bank makes such

remedy these errors, also after the expiry of the period of

communications available to the Customer

thirteen months.

electronically, the Customer must check the

Page 4 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N.V.

February 2010

If the amount received or to be the Customer of this in writing as soon as possible. security Article 24. The Customer guarantees that he is authorised to make the pledge and that the goods in question are or will be free of rights and claims of other parties than the bank. if the Customer in advance. it shall notify retrospective effect. all goods that (shall) take the place of the thereof.Article 21. Costs in connection with the reversal are items made available to the Customer such as forms. b) insofar as legally possible. all (cash) receivables that the Bank owes to 2. Article 22. 2. interest and fees goods under I. interest and fees III. If the amounts of these commissions. II. The Bank may deduct the commissions. that items that the Bank has made available to the II. on any code. interest and fees. of execution. all securities in collective depositories that 1. if necessary Customer to the extent reasonably possible about repetitively. February 2010 . to pledge these goods to itself in the name of the Customer. cards. The Bank charges commissions. on any account whatsoever. personal and access codes and 1. documents of title. The Bank shall release the pledged goods. The Customer must store and treat with care the for the Customer’s account. As a result of these General Banking Conditions passwords. including the related ancillary rights to the Bank as The Customer adheres to the security regulations security for all that which the Customer may owe issued by the Bank. If an unauthorised debit balance Customer wishes to have these goods in his arises on the account due to the deduction. with the right of substitution. its services. the Customer pledges have not been agreed in advance between the Customer and the Bank. that the Bank actually receives this amount definitely and The Bank shall not seize and execute more of the unconditionally. Commission. interest. c) grants the Bank an irrevocable authorisation. if the value of the then remaining pledged Customer must immediately clear the debit balance goods provides sufficient cover for all that the without the Bank being required to give notice of default. received was converted into another currency when crediting the account.V. the bank may make the debit entry Page 5 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. the pledge. The Customer must treat personal pin becoming applicable. the Bank shall charge its usual commissions. or III. If this condition has not been satisfied. The Bank ensures that the information about these charges can easily be obtained. 2. account whatsoever. he must immediately notify the Bank of this. the possession. If the Customer knows or can reasonably suspect the Customer on any account whatsoever. 3. the Bank informs the the goods referred to in sub a to the Bank. owes or may Article 23. data carriers. all goods. 3. unless agreed otherwise in writing. pledged goods than necessary for the payment of the the Bank may reverse the credit entry – without prior debt that the Customer owes to the Bank. When providing its services. Customer. Conditional credit entries come to owe to the Bank. fees). Obligation to retain records and confidentiality obligation in the other currency at an exchange rate at the time 1. interest and fees owed by the Customer from an account that the Customer holds with the Bank without notifying the 1. securities and Customer have come into unauthorised hands or that abuse is being made or can be made or that an other financial instruments that the Bank unauthorised person knows his pin code and/or access or a third party on behalf of the Bank. The Bank may change the amount IV. After the Bank notification – by debiting the same amount with has exercised its seize and execution right. the Customer: codes and access codes and such with due care a) undertakes to pledge the following goods and keep these confidential for other persons. The Bank may only seize and execute the pledged Each credit entry of an amount received or to be received goods if the Customer’s debt to the Bank has become in favour of the Customer is made subject to the proviso due and payable and the Customer is in default. holds or obtains of or for the Customer. and to do everything that serves the amount of its charges (commissions. interest and fees for the Bank holds in custody or acquires. Lien measures. means of communication. or come to owe the Bank at any given moment: I.

the Customer must. or has entered into a moratorium of payments amount due by the Customer immediately due and or another insolvency regulation or statutory debt payable by giving notice. that the Bank. February 2010 . occurs or has occurred. on any account whatsoever. or in the event that a restricted right is created Article 27. taking into All taxation. partially or fully by giving notice of any debts receivable by the Bank from the Customer. whether or not due and payable and whether or not contingent. Collateral proceedings between the Customer and a third party. regardless of the currency in which such debts are denominated. all by virtue of provided that the Customer’s debt and the Bank’s debt earlier general (banking) conditions existing collateral. Right of set-off 3. termination. and if necessary must be replaced and/or supplement by the Customer to Article 29. Such a expressed in a foreign currency shall be set off at the notice of termination must be made in writing and state exchange rate on the day of set-off. the Bank shall inform the a provision of imperative law specifies differently. all existing and future amounts that the Customer 2.V. at the from the relationship with the Customer are for the first request of the Bank and to the Bank’s satisfaction. Article 28. Customer of the reason of the demand for collateral. Special costs 1.Article 25. the cover value levied by whomever – that concern the relationship of the security and any other factors relevant to between the Customer and the Bank are for the account the Bank. as its legal successor under general title. As a result of the General Banking Conditions then the Customer shall fully reimburse the costs becoming applicable. All other special costs incurred by the Bank following owes to the Bank. the Bank the grounds for termination. Debts view of the minor importance of the default. unless this is not justified in repayment arrangement applies to the Customer. unless agreed in writing otherwise or Customer’s request. levies and such – under whatever name and account the Customer’s risk profile. If possible. This collateral must be such. the event that another banking institution. partially or in full. unless be in proportion to the Customer’s obligations. supplement and/or replace debt to the Customer is not yet due and payable – and previous General (Banking) Conditions. Establishing a (new) security right in favour of the Bank does not serve to replace or release (existing) security rights. Immediately due and payable thereon or the Customer assigns the Bank’s debt to a If the Customer is in default with regard to the fulfilment third party by singular title. If the General Banking Conditions are used vis-à-vis however the Customer’s debt to the Bank or the Bank’s the Customer to amend. Customer or recovery being sought from such debt in any other way. a different manner of communication has explicitly been 2. The form of notifications amount of the required collateral must reasonably Notifications to the Bank must be made in writing. the Customer has undertaken incurred by the Bank resulting there from (for example vis-à-vis the Bank to provide (additional) collateral for the costs of legal assistance). Incidents and disasters relationship with the Customer. or the Customer is declared of any obligation to the Bank. whether due and payable or not. against any debts owed by the Bank to the Customer. shall inform the Customer in advance that it intends to exercise its right of set-off. are expressed in the same currency – the Bank shall not security rights and set-off rights remain in full force in exercise its right of set-off except in the event of an addition to the rights and powers by virtue of these attachment being levied upon the Bank’s debt to the General Banking Conditions. The Bank can terminate its pledge or mortgage rights The Bank shall at all times be entitled to set off all and at any moment. continues the banking Article 31. Taxation and levies the Bank’s satisfaction. in agreed with the Bank. to occur. At the of the Customer. Page 6 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. 5. If the Bank becomes involved in a seizure. 1. The Article 30. If. Customer’s account insofar as this is reasonable. the Bank may make the bankrupt. or the replacement or supplement thereof. in If (in the execution of) an agreement between the Bank favour of the other banking institution as if this was and the Customer an incident or disaster threatens the Bank itself. 4. dispute or Article 26. Pledge and mortgage rights of the Bank also serve. continually has sufficient collateral.

in the event of codes. established in Amsterdam and imperative law prescribes otherwise. the Internet. legal proof of identity. Applicable law will not take effect until sixty days after the date of filing. connection therewith. ▶▶ Communication Channel: channel or method by writing completely or partially. Article 35.. upon request. 1. ▶▶ Banking Service: service. If the relationship is which Communication can take place (e. telephone. terminated by the Bank. Client relationship conditions provided by the Bank.V. or representative of a client. The amendments and to the import of the invalid or annullable provision. whether or not agreed to cooperate in advance that the Customer’s legal in combination). a Communication to the bank. Partial nullity or annulability Article 37. These amendments and additions Article 33. Relationship Conditions of the bank.Transfer of contracts client. Complaints and disputes 1. The relations between the Customer and the Bank shall be governed by the laws of the Netherlands. If the Customer is not satisfied with the services II. advice or facility (in the widest sense of the word) provided by the bank for the benefit of one or more of its clients. signatures.V. Amendment of and additions to the General Banking Conditions Should a provision in these General Banking Conditions Amendments of and additions to these General Banking be invalid or annullable. then this does not imply that Conditions shall not take effect until after the representative another provision of these Conditions is (partially) invalid Dutch consumers’ and employers’ organisations have been or annullable. unless ABN AMRO Bank N. During ▶▶ Form: standardised paper or electronic document the settlement. inform the Customer of the reason for such termination. becoming applicable. b) The Bank can also submit a dispute to the foreign court that is competent for the Customer.g. these General Banking Conditions and made available by the bank for use in sending the specific conditions that apply to the individual agreements remain applicable. the existing individual agreements between the individual client for the exchange of Communications Customer and Bank shall be settled as soon as possible between that client and the bank. 2. Article 32. Page 7 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. taking into account the applicable time periods. the Customer must first turn to the Bank taking into account the Bank’s procedure for this. the Customer has. a (partial) transfer of the business operations of the bank. Definitions The following definitions are used in these conditions: ▶▶ General Conditions of ABN AMRO Bank N. If a provision in these General Banking consulted about such amendments and additions and also Conditions should be invalid or annullable. do or refrain from doing everything relationship with bank in connection with the (partial) what the Bank reasonably considers necessary in transfer shall (partially) be transferred to a third party. Disputes between the Customer and Bank shall only be brought before the competent Netherlands Court. February 2010 .V. other data.at the Bank’s request. entered in the Trade Register of the Amsterdam Chamber of Commerce under number 34334259 Article 34. product. the Bank shall. ▶▶ Client Identifier: means by which a natural or legal person can identify himself/ herself/itself as a Article 36.Termination of the relationship Both the Customer and the Bank may terminate the relationship between the Customer and the Bank in ▶▶ Communication: notice. statement or other exchange of information. it will be about the manner in which the Customer shall be informed replaced by a valid provision that is as close as possible of the amendments and additions. post or verbal contact). during an exchange As a result of these General Banking Conditions of Commu­nications (examples include passwords. additions shall be filed at the Registrar’s Office of the District Court of Amsterdam. characteristics and/or procedures. ▶▶ Client’s Electronic Domain: secure electronic After notice of termination of the relationship has been environment made available by the bank to an given.: except in the case of imperative law and the following: the entirety of the applicable conditions comprising a) The Customer can also submit a dispute to the the General Banking Conditions and the Client authorised dispute and complaint committees.

If the relationship between or perform other obligations if: the bank and the client is terminated.g. as the the context requires otherwise). in this regard and to alter them from time to time. or the identity or capacity of the person requesting These specific conditions are made available to the client payment). amount or that a debt owed by the client to the bank is If an agreement concerning a Banking Service is reduced by this amount. will be for the account and risk of the client. case may be. Applicable conditions to any other data that may have been supplied by the The Client Relationship Conditions apply to all existing client (such as the name of the account holder). The client is not entitled to have a debit balance on his bank 3. and is a debt owed by the bank to the client is reduced by this entitled to set further rules or impose further limitations amount. Debiting means that the bank The bank determines through which of its branches or acquires a claim against the client for this amount or that other sales channels it provides Banking Services. Orders. If the client balance immediately and without notice of default. The bank may rectify incorrect entries. or has resulted. Identifier is being or may be made. it will be released from a due and payable obligation to which it is subject (if. in an Page 8 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. the bank has reasonable grounds for doubting Conditions of ABN AMRO Bank N. irrespective of whether this number corresponds 2. entries and/or other reasonably be expected of it. If such a debit validly retract a notification requesting the bank to execute balance nonetheless occurs. the bank execution of an order will result. succeed.V. in so far as not provided otherwise in agreements The bank is not obliged. Terms used in the singular in the Client Relationship Instructions to debit or credit an account may in any event Conditions include the plural and vice versa (unless be carried out by the bank by debiting or crediting. The bank II. the client’s name. the provisions of the owed to the client on a current account (bank account) in applicable specific conditions will take precedence. February 2010 . terminated. obligations and performance account. unless he has expressly agreed otherwise with the Unless agreed otherwise. will continue to whether. Debt position. it doubts the existence or size of a debt applied by the bank for the relevant Banking Service. and future legal relationships between the bank and the client. the General I.V. the account with the number stated by the client. the bank will perform its due bank in advance. in any case. the execution which nonetheless takes place ▶▶ Client Relationship Conditions: these conditions. the bank may function properly) or the bank has reasonable grounds terminate Banking Services or alter the specific conditions for assuming that unauthorised use of this Client applicable to them. the client must use a particular Client Identifier for the may refuse to provide Banking Services to the client and purpose of such execution or performance and such may also attach further conditions to the provision Client Identifier does not function (or does not thereof. as a result of such execution or apply to the winding-up of the relationship. The client may only (e. and/or in connection with the relevant Banking Service. performance. The bank may administer receivables owed by and debts In so far as provisions may conflict. If the requests that the bank not execute an order. The client must always ensure that there and payable obligations resulting from an order received are sufficient funds in the account to prevent an unauthorised from the client within a reasonable period after the client debit balance occurring as a result of a debiting transaction has requested execution of the order. to execute orders and/or in specific conditions. Unless agreed otherwise. the client must clear this an order with the cooperation of the bank. due to the execution of an order). Crediting of the current account means followed successively by those of the Client Relationship that the client acquires a claim against the bank for this Conditions and those of the General Banking Conditions. If the bank does not data concerning the client that are recorded by the bank. for Banking Services are also governed by specific conditions example. bank account and currency exchange continue to apply to the winding-up of the relationship. the applicable specific conditions will 4.▶▶ Bank Statement: a Communication in which the bank will  endeavour to prevent execution in so far as can informs the client of transactions.

g.V. Client identification. Making or using (or allowing the making or use provides in respect of the account. A Client Identifier (e.g. including (permanent or temporary) passwords currency exchange. in so far as this is of) a copy of a Client Identifier or of secret data forming done through a Communication Channel accessible part thereof is also not permitted and constitutes to the authorised representative. block the use of agreed between the client and the bank. (or his representative) is used for the purpose of a Communication. identify unauthorised debit balance. Unauthorised use of in any event fully competent to carry out the following a Client Identifier supplied by the bank is in any case in respect of that account: deemed to include any use of the Client Identifier. by choosing a password). 7. make use of the amount available for payment in including (permanent or temporary) passwords and/or the account. if the bank facilitates this. the client himself or his representative). take cognizance of all Bank Statements that the bank consent. specific Communication Channels by the client or the representative or impose restrictions on their use. A representative of electronic signature or otherwise express consent.e. even if its period of validity has not yet expired. that Communication will be attributed 6. exchange. representative) must. the client (or his the prior written consent of the bank. unauthorised use. the bank is entitled to refuse himself to the satisfaction of the bank and enable the If the bank has more than one claim against the client. bank to verify his identity. If the client has issued an otherwise unspecified The agreed user must never disclose passwords and authorisation in respect of a bank account. A Client Identifier specifies which claim he is paying. a Client Identifier supplied by of that account into the currency of that account through the bank. a credit balance or a credit facility. a specific manner of client identification facilitated by the Currency exchange will be based on the exchange rates bank or an identifier that the bank has enabled the client set by the bank as these apply at the time of the currency to generate (e. at the accept forms of electronic signature that have not been request of the client or otherwise. the client may make use of the same Communication An electronic signature has the same legal consequences Channels as the client. a bank card with PIN) The client may make use of all Communication Channels may. except in so far as the client as a handwritten signature. III. irrespective of whether the use occurs with the client’s II. except with client (or representative of the client). The bank may. give orders for the purchase or sale of securities subject to the conditions and limits applicable to If a Client Identifier supplied by the bank to the client the client himself. also be used to place an made available to him by the bank. by a person other than the agreed user himself. by the bank.to execute the order or reverse its execution. Page 9 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. Bank account authorisation user (­i. supplied by the bank can consist of. such as legal proof of identity and Client unless the client makes a payment to the bank and Identifiers supplied by the bank. at the bank’s request. among other things. irrespective of whether it derives from codes. February 2010 . For this purpose the client it may itself determine the order in which amounts to be must make use of the Client Identifiers to be designated credited are applied to the settlement of these claims. the bank is codes and must comply with all rules set by the bank entitled to assume that the authorised representative is concerning the Client Identifier. client identifiers and statement of agreement Claims of the client against the bank may not be assigned When communicating with the bank in his capacity as or pledged to a person other than the bank. or codes. is strictly personal and may be used only by the person agreed between the client and the bank to be the 5. The bank may refuse to agrees otherwise with the bank. Withdrawal and replacement of client identifier The bank may withdraw and replace a Client Identifier it has supplied. The bank may convert amounts to be maintained in a bank account that are not denominated in the currency Unless agreed otherwise. 8. I. Communication channels to the client.

The client agrees that the bank may supply him with dies or some other circumstance occurs as a result of Bank Statements and/or other Communications by which the client wholly or partially loses the right to making them accessible in the Client’s Electronic manage or control his assets. 11. log supplied (or arrange for it to be blocked or withdrawn) if: in to) the Client’s Electronic Domain. identify himself using a Client Identifier designated by II. for future use and the constitutes unauthorised use. As soon as the bank has made a Bank IV. they may each use the the bank. for the purpose of the relevant Communication. Saving communications. improper use is made of the Client Identifier. III. The client is responsible for saving and/or printing out may only use it himself. log out of) the Client’s may be made. In order to open (i. The client expressly As soon as the bank no longer has a ground for blocking agrees that the bank may also use the Client’s or ithdrawing the Client Identifier. processing time and proof of communication as agreed user of the Client’s Electronic Domain. the client will not leave the equipment used restructuring or another insolvency arrangement for this purpose unattended in order to prevent concerning the client is made or granted. Any other use of the Client’s Electronic Domain with the accompanying conditions.The bank may also block or withdraw a Client Identifier it has Electronic Domain himself. a statutory debt open. February 2010 . A Communication through the Client’s Electronic Domain has the same legal consequences as a written If use of the Client’s Electronic Domain is agreed Communication. Domain. The client may use the Client’s Electronic Domain personalised Forms that the bank supplies to him (or his only for Communications to the bank if this has been representative). this Bank V. the client may invoke this provision only if Client’s Electronic Domain for Communications with each he observes the rules for Communication through the other. the Client Relationship Conditions or other 9. Use between the opening and III. another reasonable ground exists. The client will arrange for the equipment and accessories needed for the use of the Client’s Page 10 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. the relationship between the client and the bank Statement or other Communication accessible to is terminated. The following rules will then apply to the use of the Client’s Electronic Domain. After using the Client’s Electronic Domain. The Client (or his representative). Client’s electronic domain V. IV. Statement or Communication will be deemed to have been received by the client. If the client prescribed by the bank for this purpose and without concludes an agreement electronically with the bank. a debt owed by the bank to the client or assets held closing of the Client’s Electronic Domain will count by bank for the client are seized or attached. As long as the Client’s Electronic Domain is a suspension of payments. the bank has reasonable grounds for assuming that the bank. the the intermediary of third parties not permitted by the client will save and/or print out this agreement. Electronic Domain. irrespective of whether bank need not therefore keep the agreement accessible this other use occurs with the consent of the client. the client is made the subject of a guardianship order or the client unauthorised use by other persons. unauthorised use of the Client Identifier is being or the client will close (i. whether general or specific. The right to use the Client’s Electronic Domain is II. the client must I. subject to the rules Communications between him and the bank. Use of forms The client may not make or allow unauthorised use of conditions. irrespective him by the bank within the Client’s Electronic Domain of whether this use occurs with the consent of the client. existing or future versions of the General Banking Conditions. the client in the Client’s Electronic Domain. 10. Client’s Electronic Domain: strictly personal. client. in electronic form for the client.e.e. the bank will release Electronic Domain to notify the client of the text of or replace it at the request of the client. together bank.V. I. an as use by the client and will be fully attributed to the application for or adjudication in bankruptcy. In the case of Communications to between the client and the bank. Unauthorised use of a Form supplied by agreed upon with the bank for the purpose of the the bank is deemed to include any use of the Form by Communication or if he uses a Form made available to a person other than the agreed user himself.

personalised Form or a Client Identifier. Communication and security obligations of the client clarifying the circumstances and. or may be used by. the client. II. and to prevent loss or damage other Communication in the name of the client which occurring as a consequence of such a is transmitted to it improperly and/or against the client’s will. The client will also cooperate in 13. (and their use). only A copy of a Communication stored by the bank will serve use suitable. The bank may also make a client knows or should suspect that unauthorised use distinction in this connection according to the topic. is or is possibly being made or may be made of a client category or other factors it deems relevant. data carrier or other tool designated by the bank will. due to be expected of it to prevent it relying on an order or any cause whatever. Page 11 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. The client will become familiar and strictly comply with all rules and further usage. the client (and his representative) has reasonably be expected of him to prevent an order or obligations to the client: other Communication being transmitted in his name I. security. as conclusive evidence of that Communication vis-à-vis together with the most up-to-date security measures. The client security incident has occurred. transmitted to the bank improperly and/or against his Form. the following security obligations to the bank: 14. and. The client will deal carefully and securely with period to respond to Communications from the client and Communications and Communication Channels to include up-to-date information in a Bank Statement or (including the Client’s Electronic Domain). including the risk that a Communication is not and any directions of the bank aimed at mitigating dealt with by the bank or is dealt with only after some delay. spyware. The client will take whatever measures can In any event. case of Communication through the Client’s Electronic Domain and other electronic Communication. The bank will ensure in the case of Communication security. case may be. as the associated secret data (or allow them to be copied). will not disclose to Communication and Communication Channels. antivirus software and firewalls to prevent viruses. Forms or data carriers standards that can reasonably be expected of it. secure equipment and software. and personalised Forms securely and with due care procedural and other rules and/or restrictions relating and prevent their unauthorised use. subject to proof to the contrary. Forms or data carriers (and their use). Communication and security obligations of the bank I.V. considering – among other things – its intended use. February 2010 . an unauthorised person. loss or damage. at the request of the bank.The client accepts that the bank needs a reasonable II. These rules/restrictions persons and will not copy Client Identifiers or may entail that the client must use or not use. The bank will take whatever measures can reasonably to the bank improperly and/or against his will. or that any other Identifiers. in the other Communication to the client. Communication. phishing and other abuse. Client Identifier or associated secret data. Such and/or specify certain data in this connection and comply a report must in any event be made as soon as a with procedures or rules. report the incident to the authorities. Forms or data carriers (and their use) and and codes or allow them to be used by unauthorised to alter them from time to time. a particular Communication Channel for IV. a signature (including an electronic signature). As soon as the client knows or should suspect that a particular Communication and/or must use a Client a Communication in his name is being or may be Identifier. Further communication rules III. Client (permanent or temporary) Client Identifier passwords Identifiers. The client will comply accepts that he will bear the consequences of non- with the further rules of the bank in this connection compliance. 12. the Bank has the following security In any event. or that a Client Identifier password or code is or may be known The client (and his representative) will comply with all to. Client Identifiers. procedural and other rules set by the bank through the Client’s Electronic Domain that the with regard to Communication and Communication Client’s Electronic Domain fulfils the security Channels. The client will treat tools such as Client Identifiers The bank is entitled to introduce further usage. he will immediately report this to the bank. or that rules and restrictions of the bank concerning a copy has or has possibly been made of a Client Communication and Communication Channels.

powers and obligations obligations as referred to in Article 13. in relation to one Joint Client is thereby released from the bank may not invoke this clause in the event of intent its obligation to the others. If the client has failed to perform a security or other 19. the loss or damage will be for of the bank. considering – among other things – systems for the registration of loans.III. will be allocated. they will remain fully in force subject to mandatory law. powers or obligations which 15. The bank will ensure that Client Identifiers it supplies 17. payment arrears their intended use. ▶▶ the bank reasonably could rely on the fact that the Communication is proper and has been II. the bank will take appropriate measures The client may not invoke against the bank any general to prevent (further) unauthorised use in so far as this information emanating from the bank that does not is reasonably possible. and by performing it own risk and may not be attributed to the bank. Rights or powers may not be The risk of loss or damage which occurs because the interpreted as obligations. the following will has been made of a Client Identifier supplied by apply to that Banking Service: the bank to the client (or his representative). If the bank allows the following rules: client (temporarily or otherwise) to refrain from I. resulting loss or damage can be attributed to the bank. In fulfilling these security obligations the bank is entitled to assume that the client will properly fulfil his security 18. under an obligation to the Joint Clients to deliver a performance with regard to a Banking Service. the loss or damage will be for Tools supplied to the client (such as Forms or Client the account and at the risk of the client in so far as Identifiers) remain the property of the bank. bank relies on an order or other Communication in the name of the client which is transmitted to the bank If the bank does not exercise its rights or powers improperly or against the client’s will. Definitions: In this article each of the clients is referred to as a ‘Joint Client’ and the agreement a personalised paper Form and/or the Client’s relating to the Banking Service as the ‘Agreement’. that Joint Client loses his right to claim any credit balance of the account and only the Joint Clients who continue the Agreement retain their right to such balance. I. in accordance with the and capable of being exercised. each 16. However. specifically relate to the client. Agreed rights. February 2010 . The client the resulting loss or damage can be attributed to the will return them to the bank at its first request. the loss or damage will also be for If two or more clients together obtain a Banking Service the account and at the risk of the client if: from the bank (e. powers or obligations do not detract from (statutory or agreed) rights. IV. Risk allocation can exist alongside them. Page 12 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N. The bank may discontinue the provision of such information at any time. the bank need client will at all times be for his own account and at his perform this obligation only once. However. the client cannot derive any right or power the account and at the risk of the bank in so far as the from this against the bank. Registration and information fulfil the security standards that can reasonably be The bank participates in registration systems. III.g. As soon as the bank receives a report as referred to in Article 13 (IV). or fraud. client. Provided that the bank has performed its security and 20. such as expected of them. a bank account) and they agree with ▶▶ in the Communication use (or unauthorised use) the bank that this article is applicable.V. Indirect or consequential loss or damage of them has an independent right to such Indirect or consequential loss or damage suffered by the performance in its entirety. If the bank has failed to perform a security or other performing his obligations or to infringe a right or power obligation to the client. Rights of a Joint Client: Whenever the bank is transmitted in keeping with the client’s wishes. Rights. (temporarily or otherwise). II. Tools obligation to the bank. As soon as the Agreement or gross negligence on its part. ends for one of the Joint Clients. Joint client other obligations.

. maintain and/or expand therefore releases the other(s) from liability. analysing personal data for statistical and research liable for performance of the entire obligation. before acting upon such juristic with legislation and regulations as well as codes of acts or Communications. in so far as is necessary. The Joint to which the bank belongs and its clients and Clients waive all defences to which a debtor who is employees.. unless the with the bank in relation to the Banking Service.V. complying with statutory requirements. End/continuation of the Agreement: Each Joint of Commerce under number 34334259 Client may.g. and performance by one of them in order to establish. The legal Communications are binding not only on the Joint Further Information about the Protection of Personal Data Client concerned but also on the other Joint Clients. The bank and other companies forming part of the group even if a debit balance occurs as a result. V. However. settle among themselves the consequences of the Agreement and its ABN AMRO Bank N. terminate the Agreement only in so far as it relates to himself. to which the bank belongs process the personal data of the bank is always entitled to require the consent of existing and potential clients carefully and in accordance consequences of such juristic acts and the other Joint Clients. In the event of such termination. his joint and relationships with existing and potential clients. or objection of the other Joint Client(s). including detecting. However. obligations that were already in existence when the combating and preventing attempted or actual criminal Agreement ended for him or that result from a legal and other undesirable acts against the bank. due to payments. carrying out general and targeted marketing activities obligation only once. Joint and several liability: Whenever the bank is entering into and performing agreements with entitled to require the Joint Clients to perform an existing and potential clients and processing obligation in relation to a Banking Service (e. The processing is carried out one of the Joint Clients will be deemed to have been for the purposes of operational efficiency and exchanged between the bank and each of the Joint effectiveness and focuses particularly on the following Clients. each retains his right to payment of The bank may alter and/or add to the Client Relationship any credit balance. the Joint Clients need perform this purposes. Page 13 of 13  Conditions of Personal Package General Conditions ABN AMRO Bank N.g. The bank confirms that any new Clients: Each Joint Client may perform all juristic acts version will not take effect in relation to the client for a (e. each of them is jointly and severally II. Settlement among Joint Clients: The Joint Clients V. giving an order to the bank or an authorisation to period of at least two months. the group relationship already in existence at that time. will. Juristic acts and (other) Communications of Joint applicable to the client. IV. The bank may also attach conditions or limitations to any such continuation. as well as using and participating in jointly and severally liable is entitled.V. warning systems. conduct binding on the bank for the protection of A Communication exchanged between the bank and personal data and privacy. notwithstanding the provisions of III above. I. if the Agreement ends simultaneously for 21. established in Amsterdam and performance for their mutual relationship.. The Joint Clients will keep each other activities: informed in so far as is necessary. IV. Alteration of client relationship conditions all Joint Clients. February 2010 . the Agreement will continue to exist between the other Joint Client(s) and the bank.However. III. Conditions at any time and declare the new version III. entered in the Trade Register of the Amsterdam Chamber VI. unless the bank refuses such continuation. If the Agreement ends for a Joint Client. identifying. a debit balance). client has terminated the relationship with the bank no independently and irrespective of the cooperation later than on that date. The client will be bound by a third party) and exchange all (other) Communications the new version at the end of this period. assessing and accepting existing and potential clients. safeguarding the security and integrity of the financial several liability will continue only with respect to services sector.

of ▶▶ General Banking Conditions: the General Banking Conditions of ABN AMRO Bank N. the order of priority shall be as follows: account of the Customer and also – as far as applicable – over credit made available to the Customer via those accounts. 3. The Customer may appoint Authorised or for the placement of an Electronic Signature. that the following authorisation has been granted: The Conditions shall not detract from the applicability ▶▶ Authorised Representatives may on behalf of the of any applicable Special Conditions. ▶▶ Customer: the natural or legal person that purchases products or makes use of the services from ABN AMRO. ▶▶ Communication: each exchange of information with ABN AMRO. other electronic data and is used as a method of authentication. Customer shall be responsible for the acts and omissions of Authorised Representatives and shall be liable in the same way as if the Customer’s own acts or omissions were concerned. Representatives. 2. may lead to offers. dispose over money in every present and future 2. 3. The Customer must inform the Authorised services from ABN AMRO. ABN AMRO shall not be obliged to ▶▶ Electronic Signature: a signature consisting of cooperate with any authorisation not granted by way electronic data which is attached to. Customer. can obtain of a Form signed by the Customer. including the provision of instructions. ▶▶ Form: a standardised document in paper or electronic form made available by ABN AMRO. which may be used on its own or in combination with one or more other Means Article 3. These Conditions shall apply to all legal and other Article 4. Any failure to use the form provided by ABN AMRO entering into agreements and making and accepting for the relevant Communication. In notifying such changes. where applicable. instructions. the Customer must allow ABN AMRO a reasonable time to process them. ABN AMRO may assume acts that include the use of a Means of Access. legal and other acts in relation to ABN AMRO on the using a signed (electronic) document. Contents of authorisation If the content of the authorisation given by the Customer has not been further specified. Customers behalf. Means of Access: a means. which apply to the contractual relationship ▶▶ Special Conditions: any conditions applied by between Customer and ABN AMRO. to the instructions or notify ABN AMRO of certain things. Authorised Representatives of Access to identify a person vis-a vis ABN AMRO 1. risk warnings and. The General Customer and through any means of Communication.V. following meanings: ▶▶ ABN AMRO: ABN AMRO Bank N. In the event of any conflict between different conditions. The Customer is obliged to notify ABN AMRO immediately of any change in the Customer’s address and/or any other relevant changes concerning the Customer has delegated authority to carry out certain Customer and/or any Authorised Representative. can give ABN AMRO Representatives and keep them informed. extent relevant in the context of their authority. provided or accepted significant delays in processing which shall be entirely by or on behalf of ABN AMRO. advice. including but not limited at the Customer’s risk. Article 1. Applicable conditions 1. next these In these conditions the following terms shall have the Conditions and lastly the General Banking Conditions. Notifications of changes by the Customer 1. Banking Conditions shall also apply.V. 2. risk profiles applicable to the ▶▶ Conditions: these ABN AMRO Access Conditions. any conditions. ABN AMRO to specific products or services. ▶▶ Authorised Representative: a person to whom the Article 2. to a code and/or password. Page 1 of 5  Conditions of Personal Package General Access Conditions of ABN AMRO November 2009 .General Access Conditions of ABN AMRO Definitions first the relevant Special Conditions. with which the Customer by signing it and/or filling it in. or logically associated with.

ABN AMRO may require instructions to ABN AMRO to be given in a way prescribed by ABN AMRO. whenever this is of importance to the Customer. Article 9.▶▶ Authorised Representatives may place securities expressly recognized by ABN AMRO in advance. will be deemed withdrawn or revoked. orders from or to the afore mentioned account(s) on and in that case they shall have the same legal behalf of the Customer. (general) limitations. Products and Services Communication. 3. Identification 1. if possible. Unless expressly agreed otherwise the same 3. An instruction received by ABN AMRO cannot be used for identification and/ or signing. 2. Identification may also take place by way of a Means of Access subject to conditions to be set by ABN AMRO. to have come from the holder of that Means of Access still be asked not to carry out a particular instruction. 2. 3. Access responsible for storing and/or printing the Form in 1. or services. Article 6. during the identify themselves by means of legally acceptable course of a Communication that was preceded by form of identification. of the means of Communication involves certain or suspend the delivery of products or services. November 2009 . ABN AMRO shall not be under any obligation to keep the Forms sent by the Customer and/or the relevant authorisation for Customer or Authorised Special Conditions. Other forms of Electronic Signature shall only be accepted by ABN AMRO if these forms have been Page 2 of 5  Conditions of Personal Package General Access Conditions of ABN AMRO 4. the Customer shall be personally Article 5. and/or to have been furnished with an Electronic ABN AMRO shall then assess whether the request Signature by him. on the request of ABN AMRO shall facilitate the downloading and the Customer. ABN AMRO reserves the right to change. the implementation of the instructions shall be at the Customer’s risk. upon request. 2. In any contact with ABN AMRO. ▶▶ Authorised Representatives may inspect the afore mentioned account(s) through any means of Article 8. If the Customer purchases products or obtains services through an electronic means of Communication. Customer and Authorised Representatives must. of Communication will be blocked. ABN AMRO will give the 3. unless agreed otherwise. certain means applicable thereto. terminate. consequences as a handwritten signature. Such Communication will be can be complied with or not. ABN AMRO may nonetheless. ABN AMRO shall at all times be entitled to block certain means of Communication for the Customer Customer prior notice of such actions. conditions authorised to solicit and use the services of ABN AMRO in order to be informed of the occurrence of a certain type of mutation on the aforementioned account(s). Communication. ABN AMRO reserves the right not to carry out any instructions that are not given in the way prescribed by ABN AMRO or to only carry out such instruction after further verification. The latter does not apply if the nature 4. for the Customer himself and/or one printing of these documents. Authorised Representatives are also 1. 2. All instructions given to ABN AMRO. Every Communication where a Means of Access is the same legal status as instructions that are accompanied by a handwritten signature. shall have 2. Instructions received by ABN AMRO shall only be executed after being positively authorised by ABN AMRO. 5. Instructions 1. The Customer and Authorised Representatives shall terms of which the Customer receives the products have access to all means of Communication. as well as the Special Conditions Wherever ABN AMRO so facilitates. An Electronic Signature made with the help of a Means of Access in the manner prescribed by ABN AMRO shall have the same legal consequences as a handwritten signature. and/or Authorised Representatives. and/or limits subject to which the Customer can gain access to products or services. or several of the Authorised Representatives. Electronic Signature 1. should the Customer wish to do so. to comply with the request. ABN AMRO shall determine the terms. Article 7. identification using a Means of Access. available to the Customer Representatives shall apply to every means of electronically. If it is no longer possible attributed to the Customer.

as well as using Article 13. and for products or services to be the context of the activities listed in paragraph 1. ABN AMRO shall make information money transfers will in any case involve the exchange Page 3 of 5  Conditions of Personal Package General Access Conditions of ABN AMRO November 2009 . and at least once every by Financial Institutions (Gedragscode Verwerking 30 days. ABN AMRO shall be entitled to charge the Customer a fee for this. ABN AMRO the General Banking Conditions an account statement will process these personal details within the framework made available electronically shall be considered of an efficient and effective business operation. 2. The version of any Communication stored by information concerning the use of the relevant channel. ABN AMRO has the right to bring in third parties. subject to any evidence supplied by the Customer to the contrary. been received on the day on which the Communication ABN AMRO’s entitlement referred to in paragraph 2 was sent. requirements in relation to certain means of Communication. The costs of telecommunications. including. 2. Privacy 1. Where Communication is by telephone. or attach restrictions or further shall not be borne by ABN AMRO. for example through its website. Evidence 1. from within and outside the ABN AMRO Group. among other things. ABN AMRO shall be free at any time to preventing and detecting attempted or actual discontinue or make changes to the provision of such criminal and other acts against ABN AMRO. and 2. 2. If requested by the Customer. in ABN AMRO. products or services. focussing in particular on the following activities: 3. If the Customer has access to electronic access channels of ABN AMRO. General information Unless otherwise indicated. both supplied by ABN AMRO. The execution of at any time. ▶▶ analysing personal details for statistical and research purposes. Article 11. ABN AMRO shall be entitled to amend these charges both from within and outside the EU. 1. or up-to-date. above shall be limited to general notices and 3. Communication 1. combating. 3. Account information 1. Article 12. where the Customer contacts ABN AMRO. If the Customer only has access to electronic access quality assurance. ABN AMRO may make duplicate account statements available on paper. ABN AMRO’s processing of the Customer’s personal to only make account statements available details will be subject to the Personal Data Protection electronically. The Customer shall be obliged to pay charges set by ABN AMRO for certain means of Communication with ▶▶ complying with statutory requirements. ▶▶ carrying out general and targeted marketing activities in order to maintain and/or expand a relationship with the Customer. For reasons including security. Customer and ABN AMRO. to only send notices intended for the Customer using among other things. This is done to provide. information. general information provided by ABN AMRO that does not specifically relate to the ▶▶ entering into and executing agreements with a Customer and settling payments. ABN AMRO shall be entitled may record conversations. The Customer undertakes to view and check such of Conduct regarding Personal Details Processing account statements regularly. ABN AMRO channels of ABN AMRO. ABN AMRO shall be entitled Article 15. Electronic Communications shall be deemed to have channels through Authorised Representatives. ABN AMRO may prescribe a specific form of identification or signature regarding the changes available to the Customer in good time. Charges and participating in warning systems. Act (Wet Bescherming Persoonsgevens) and the Code 2. ABN AMRO shall count as evidence between the unless expressly agreed otherwise with the Customer.Article 10. those channels and to make information intended for and for purposes of verification and inspection and/or the Customer available electronically. evidence of instructions given. equivalent to a paper account state ment. 3. For the purposes of articles 12 and 13 of Persoonsgegevens Financiële Instellingen). its Customers and employees. such as telephone for certain means of Communication and for certain expenses. ▶▶ safeguarding the security and integrity of the Customer is given without any guarantee that it is correct sector. If the Customer has access to electronic access Article 14. unless the recipient proves the contrary.

The Customer shall be responsible for the use of his holder of a Means of Access. must be electronic access channel used by the Customer. instructions relating to its use and to the access has been misused or could be misused by to products or services it provides. the report a suspension of payments. to the telephone reports. about the precautionary measures to be taken to secure the Means of Access. If Customer’s assets or if the Customer otherwise an offence is suspected the Customer shall. A Means of Access is not linked exclusively to the Access on behalf of the Customer. Any misuse of relationship between ABN AMRO and the Customer. The other means that relation when exercising authority on behalf of referred to may include for example card readers other customers of ABN AMRO. unauthorised persons. Where a report is not made in writing. Means of Access or the other means referred tot shall The holder of a Means of Access may also use therefore be at the Customer’s risk. telephones and computers. when wholly or partly loses his capacity to deal with his requested. or if ABN AMRO must be confirmed immediately by or on behalf of is served with a garnishee order relating to the the Customer in writing. because intermediaries and/or clearing centres at different locations around the world are involved. Reporting incidents another relationship with ABN AMRO may be used. loss. Page 4 of 5  Conditions of Personal Package General Access Conditions of ABN AMRO November 2009 . can therefore be subjected to inspection ▶▶ if the relationship between the Customer and ABN AMRO is terminated. 2 The Customer is obliged to regularly consult the each Means of Access. within the provided to the Customer. ▶▶ if the Customer dies or is made subject to a guardianship order. The holder of a Means of Access must take care his Means of Access. the Customer shall be obliged to inform ABN AMRO of this immediately. by fax or electronically. in the assets or income. This risk shall end the Means of Access used by him in the context of as stated below in Article 18. ABN AMRO may block the use of a Means of Access misuse. Security 1 ABN AMRO shall inform the Customer. which is non-transferable. The copying of the Means of Access and/or the content of information carriers belonging with the Means of Access is not permitted. as far as Article 16. for example in the event of 5. kept secret. Use of the Means of Access 1. If a Customer knows or has grounds to suspect that 4. by the competent national authorities of the countries where this data are held due to the clearing process. 1. relationship between ABN AMRO and the Customer a Means of Access that the holder has on account of Article 18. Similarly. when requested. take measures after a report in order to prevent 7. Incidents may be reported by the Customer and any 6. 3 The Customer shall be responsible for securing all or services to the extent that this is covered by the Means of Access and any other means used by or authorisation granted by the Customer to the under the control of the Customer or other holders. ▶▶ if there are reasonable grounds to suspect misuse.of the Customer’s personal details with these parties. absence of any applicable Special Conditions to the contrary. and similar codes. theft or any other irregularity. ABN AMRO shall own Means of Access. 2. which may be applied in order to use the Means of 3. ABN AMRO shall immediately extent that these are used on behalf of the Customer. Authorised Representatives. report the matter to the police. Article 17. as well as for the use of maintain a permanently staffed contact point for Means of Access belonging to other holders. A Means of Access shall only give Authorised Representatives access to the Customer’s products of Access and its security. A Means of Access is linked exclusively to one natural person. on the use of that specific channel. both during and after processing. The Customer shall not be liable for the use for access to products or services of the Customer of the relevant Means of Access after the report has immediately: ▶▶ if the Customer is made bankrupt or applies for been made. Details of instructions. information made available by ABN AMRO via an Any password. PIN code. The Customer shall also. the related Means 2. or that of other holders who in using it and comply with the conditions and have access to the Customer’s products or services. 3. Only one person (the holder) is entitled to use possible.

3. The Conditions in their new form shall become binding on the Customer and ABN AMRO 30 days after notification of the changes to the Customer. except in the event of gross negligence. Technical Infrastructure complaint resolution authorities.nl) about the competent dispute and Article 19. such as the telephone network and the equipment of Information is also given as to how the Customer may consult the applicable regulations and codes of conduct. as well as any codes 1. and shall not bear of conduct to which ABN AMRO subscribes. unless otherwise provided for in mandatory regulations applicable to ABN AMRO. Internet providers. Information is available on the website of ABN AMRO provide such cooperation to ABN AMRO as may (abnamro. Article 20. In such a case. with due observance of the regulations of such instances. The Conditions shall be governed by Dutch law. Variations of and additions to the Conditions ABN AMRO shall be entitled to vary or add to these Conditions. 2. 1. dispute resolution authorities circumstances surrounding an incident. ABN AMRO shall use its best endeavours to keep of Commerce under number 34334259 the infrastructure under its control available so that the Customer can undertake electronic and telephone Communication within the times of availability indicated by ABN AMRO.be reasonably necessary in order to clarify the Article 22. Page 5 of 5  Conditions of Personal Package General Access Conditions of ABN AMRO November 2009 . the liability of ABN AMRO shall be limited to any direct loss suffered by the Customer. The information referred to in paragraph 1 shall also be made available on paper when requested. established in Amsterdam and distortion of messages. ABN AMRO shall not be liable for. Codes of conduct. The Customer shall be entitled. Article 21. notwithstanding the foregoing to submit disputes to dispute and complaint resolution services where ABN AMRO has subjected itself to their authority.V. ABN AMRO shall therefore not be liable for any non-arrival of messages sent to it or ABN AMRO Bank N. However ABN AMRO cannot guarantee actual availability and does not therefore accept liability in this respect. entered in the Trade Register of the Amsterdam Chamber 2. 2. Disputes 1.. Disputes between the Customer and ABN AMRO shall be submitted to the competent Dutch Courts. the risk relating to any technical infrastructure necessary for Communication with ABN AMRO where the infrastructure is not under its control.

this form must be signed by all mail to the Correspondence Address. The Account Holder Access Code is required for an instruction. operations using the Access Code. The Bank will notify the Account Holder hereof as soon as possible and. Any instruction issued to the Bank by telephone and the Account Holder(s) have agreed with each and/or other interactive media. has the same legal value and ▶▶ The Access Code: the three. specific Service. Account Holder may dispose of or use and will inform the ▶▶ The Conditions: the General Conditions for Personal Access Code. in which the relationship between telephone and/or other interactive media will be recorded. Article 2 if requested. instruction. when provided with the other that the subject conditions will be applicable. will advise the reasons. ▶▶ Correspondence Address: the address to which the original account statements are sent. The Account Holder will receive such supplementary conditions on taking up that Service. priority as an instruction given in writing. The Bank is entitled at any time to restrict for important reasons such limits applicable for the Account Holder. latter hereof at the time of entry into the Agreement or requesting of a Service or Services.V. Only the trouble-free functioning of the hardware and software Account Holder himself/herself is permitted to perform under its administration. has been given. supplementary conditions may apply to a therefor. Unless Article 5 indicated otherwise. Unless The Access Code will be sent by the Bank by ordinary indicated otherwise. Page 1 of 2  Conditions of Personal Package General Conditions for Personal Access Code November 2009 . required Access Code. In addition to the Conditions. No more The Bank will endeavour to achieve as far as possible than one Access Code will apply per account. Article 4 Article 9 The Account Holder should treat his/her Access Code The Bank indicates in the case of Services whether the with care and keep it strictly secret. accompanied by the Access Code required In addition. the Bank and its Clients is set out.General Conditions for Personal Access Code Article 1: Definition of terms indicates whether the three. The Conditions apply to the relationship between the Bank and the Account Holder with respect to the use Article 6 of Services.or five-figure Access Code is ▶▶ Services: the service(s) in respect of which the Bank required. in the required Access Code. Article 7 The Account Holder may only make changes and/or Article 3 additions using the form determined by the Bank. the Account Holders. are also applicable Such recording may serve for the Bank as proof that the in so far as is not provided otherwise in the Conditions. the General Every instruction regarding the Bank’s Services given by Conditions of the Bank. to execute any instruction that is provided with the ▶▶ The Account Holder: the Account Holder or. The Bank also is responsible for the use of the Access Code. Holder receives the Access Code in an opened envelope. to whom the Access Code has been allocated. The Bank is entitled ▶▶ The Bank: ABN AMRO Bank N. case of a joint account. Account Holder the Bank will set limits per unit of time ▶▶ The Agreement: the agreement between the Account to the number of transactions to be performed by the Holder and the Bank with regard to use of a Service Account Holder and/or the level of the amounts that the or Services for which the Access Code is required.or five-figure code that provides access to the services. If the Account Account Holders. Account Holder means each With respect to the use of certain Services by the Account Holder individually. the Account Holder should immediately take measures Article 8 as determined in Article 10 of these Conditions. provided with the required legally valid signature(s).

The Bank is entitled at any time. the Account Holder is entitled to cancel the Agreement not later than on the date on which the amended conditions come into force. In the case of improper use the Account Holder should also inform the Bank hereof in writing and. ABN AMRO Bank N. to limit. if requested. for important reasons. Changes and/or additions to the Conditions will be binding on the Account Holder thirty days after notification thereof has been sent to the Correspondence Address. if requested. The Bank will give notification of this as soon as possible and.. The Agreement may be cancelled at any time by the Account Holder and/or the Bank in writing. Article 12 The Bank is entitled to make changes and/or additions to the Conditions. established in Amsterdam and entered in the Trade Register of the Amsterdam Chamber of Commerce under number 34334259 Page 2 of 2  Conditions of Personal Package General Conditions for Personal Access Code November 2009 .V. the Account Holder should take appropriate measures. Article 11 The Agreement is entered into for an indefinite period. If the Account Holder does not agree with the changes and/or additions.Article 10 If the Account Holder knows or suspects that his/her Access Code is known to third parties. observing a notice period of at least one week. advise the reasons. The Account Holder should change the Access Code or place a block on the Access Code by entering an incorrect Access Code three times. place a block on or terminate the use of the Services without observing the applicable notice period indicated above. Such cancellation should be made in writing and must reach the Bank before the date indicated. report improper use to the police.

▶▶ Payment Services Information Sheet: the typed or electronic information sheet for Consumer Payment Services. additional rules and information on the topics covered in these Conditions for Payment Services. ▶▶ Negative balance: a position on the current account in the case of which you have a debt to the bank. payment via a point-of-sale terminal 2. Examples of communication channels are post. ▶▶ Bank card: a card issued by the bank. transactions to your current account.V. Current account ▶▶ Payment transaction: a payment transaction may collection.V. ▶▶ Beneficiary: the person for whom a payment is intended. 2.1. Switzerland. Do other conditions also apply? accordance with article 4. withdrawal of cash. Conditions for Payment Services internet. ▶▶ the Consumer Payment Services Information Sheet. Iceland. This area includes among others the countries of the European from the text that it concerns another bank that is Union. ▶▶ Statement: the meaning is described in the Client Relationship Conditions. An example of a statement is a statement of account. which you can use in combination with a PIN as means of customer recognition. You can find further information at In this case it may also be a provider of payment services that is not a bank. telephone or 1.Conditions for Consumer Payment Services Definitions In these conditions the following terms shall have the following meanings: ▶▶ Bank: ABN AMRO BANK N.nl or ask the bank. The bank may also Page 1 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 . unless it is apparent ▶▶ PIN: a personal identification number that you can use in combination with the bank card. ▶▶ Communication channel: the meaning is described abnamro. The bank will credit or debit your payment be depositing of cash. ▶▶ Consequential loss: loss other than amounts debited unjustly to your account.2. To what do these conditions apply? The Conditions for Payment Services apply to the following banking services: ▶▶ your current account (betaalrekening) ▶▶ your bank card (bankpas) consumer client at the bank and which is intended ▶▶ your payment transactions for the performance of payment transactions. ▶▶ Current account: an account that you have as a 1. transfer. What can you and the bank use the current account for? (Maestro or Chipknip) and loading or repaying the You can use your current account for payment balance on the Chipknip.1. Norway. an instruction to carry out a payment transaction or the  date that applies as instruction date in 1.2. This contains rates. described in the Client Relationship Conditions. These are referred to in these conditions as payment ▶▶ Instruction date: the date on which the bank receives services. the bank card plus PIN. ▶▶ Conditions of Payment Services: this refers to these Conditions for Consumer Payment Services. You will find further information on this in the Information Sheet for Consumer Payment Services. A credit card is not a bank card as defined here. in the Client Relationship Conditions. ▶▶ SEPA area: the Single Euro Payments Area. ▶▶ Working day: any day on which the payer’s bank or the beneficiary’s bank is open for the activities that are necessary for the execution of a payment transaction. Liechtenstein and involved in the performance of a payment transaction. These are the General Banking Conditions and the An example of a means of customer recognition is Client Relationship Conditions. transactions. In addition to these conditions the following also apply: ▶▶ Means of customer recognition: the meaning is ▶▶ the General Conditions of ABN AMRO Bank N.

it indicates them in the Payment channel or other circumstance. for which the bank The instruction date is the date on which the bank receives offers other accounts with different conditions. it may set times after which processing on the same day is no longer possible.do this for other amounts that you are owed by or owe The bank executes other payment transactions within to the bank. You can the instruction date shifts to the next working day. 3. It is subject to the rules which are instruction date. described in the Client Relationship Conditions.2. instructions at this address counts as the date of If there is a negative balance while this has not been receipt. These times may differ 2. these The following rules apply: conditions do not apply.3. the instruction date for a standing order shifts to the preceding working day. not use the current account as a consumer. the instruction date shifts to the 2. If the bank does not execute an date. If you do an instruction for an outgoing payment transaction. issue a written instruction. that date counts as the customer recognition. If the bank receives Services Information Sheet.1. This period is maximum two working days if you instruction. – see article 9 of these Conditions for Payment Services) this may be different. If the bank has to exchange the amount into another currency. ▶▶ If the day on which the bank receives the instruction is not a working day. Bank card ▶▶ If you issue an instruction to execute a payment The bank card with PIN or with signature is a means of transaction on a later date. communication The bank may refuse to carry out your instructions or your instruction later than these times. the next reverse them if execution would result in a negative working day counts as the instruction date. If the next working 4. agreed. do this a maximum of five times.2. the bank may A maximum execution period applies to payments within check again on the next working day whether execution the area of the member states of the European Union is possible. Payment transaction instruction day falls in a different month. it will let you know this. What date applies as instruction date? not for your profession or business. The bank is not obliged to do so and will and the countries Iceland. also use the bank card plus PIN to place an electronic In the case of a standing order (periodieke overboeking signature or to give a statement of agreement. or another currency of one of these countries. 4. If that date is not a working day. The date on which This applies provided that it relates to a payment in euros execution is possible then counts as instruction date. If the bank balance while this is not permitted. a reasonable period after the instruction date.3. ▶▶ Since the bank needs time to process your instruction. this period is two working days longer. Page 2 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 . you must immediately ensure supplementing of the amount in the current account. Norway and Liechtenstein. ▶▶ You must send written instructions to the address You must ensure that there is sufficient money in your indicated in the Payment Services Information Sheet. sets such times. Within what period will your instruction be executed? ▶▶ If you do not have enough money in your account in order for the instruction to be executed. Is an instruction always executed? In the case of these payment transactions the beneficiary’s The bank may always refuse or postpone execution of bank receives a payment from your current account not an instruction if there is reason to do so according to the later than on the next working day following the instruction applicable conditions. What happens to your payment instruction if you do not adhere to this? between types of payment transaction. May you have a negative balance in your current account? next working day. You may not have a negative balance if The date on which the bank receives your written you have not agreed this clearly in advance with the bank. You may only use the current account as a consumer and 4. current account. 4.

You can read these The bank may set limits for your payment transactions. rate set by the bank which applies at the time that the the following applies. the payment of account. The cases described below constitute exceptions to this. You will find information on this in the Payment Services Information Sheet. Page 3 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 . How frequently do you receive a statement of account? transactions up to the time at which you notify the You receive a statement of the payment transactions use of your means of customer identification. you must also report this to the bank. Statements or means of customer identification. This applies to your bank code In the case of payment transactions from or to your identify yourself. If you wish. for example for the level of the amount or for the number and in the Payment Services Information Sheet.7. The amount for which you are liable applies only for payment 5. In the case of outgoing lost or stolen. entirely for your account and risk. What applies to payment transactions in currencies other than the euro? immediately to the bank. What happens if the beneficiary has not received the payment? this. codes current account in a currency other than the euro the or ID cards.1. If you use Internet Banking.3. What exchange rates and interest rates apply for the current account? ▶▶ If your bank card or other means of customer identification has been lost or stolen. you can receive additional paper statements ▶▶ If you act intentionally or fraudently.4. the payment transactions are up-to-date statement at any time. 6. If a bank form bearing your name has been bank may exchange the amounts. The bank care of the security of your PIN. How can you prevent unauthorised use of your current account and bank card by others? You must keep to all our rules and regulations for the use 4. The debited amount is then for the bank exchanges the amount. and PIN but also to other means with which you can payments the bank exchanges the amount on the instruction date. If an unauthorised person uses or could use your means type of payment transaction or communication channel to of customer recognition. Examples of this are passwords. you can view the exactly with our rules. the maximum The Payment Services Information Sheet shows how you amount for which you are liable (eigen risico) is € 150.6. If the bank cannot demonstrate this. bank’s account. in the case of incoming payments on 6. You will have to pay the applicable charge for transactions are wholly for your account and risk.1. This applies until the time at which you notify the bank that someone may 5. you must report this 4. of payment transactions. The bank uses for this purpose the exchange it to your current account without a valid instruction. How can you limit loss as a result of unauthorised use? Services Information Sheet. Safety and risk allocation your account.2. Can you receive a statement of account on paper more often? be able to make unauthorised use of your means of customer identification. and other postings to or from your account at least once bank that someone may be able to make unauthorised ▶▶ If you have been grossly negligent in complying a month. rules in the General Conditions of ABN AMRO Bank N.5.V. 4. or of another personal may amend exchange rates and interest rates at any time security reference of a means of customer without notifying you in advance. It can happen that the beneficiary has not received the payment while the amount has in fact been debited to 6. it will reverse the debit. This is because if you do not take care of security. In that case the bank must demonstrate that the beneficiary’s bank has in fact received the payment. identification. These limits may differ from one another. Are payment transactions subject to limits? and security of payment services.2. You will find further information in the Payment 6. Who bears the risk of unauthorised use? the date on which the bank credits the amount to the If the bank carries out a payment transaction and debits account.4. others can make use of your bank card 5. can request the exchange rates and interest rates that This amount also applies if you have not taken effective apply to your current account from the bank.

What is a deposit and how can you deposit money? A deposit is a payment transaction in which the bank 10. permission to the bank to execute the payment instruction. You can also order cash and collect it from a bank branch. Withdrawals and deposits 9. Transfer issues the payment instruction. A direct debit (incasso) is a transfer from your current account for which not you but the beneficiary (the creditor) 9. In the Netherlands and abroad you can make ▶▶ in the case of an international transfer in euros within withdrawals with a bank card with Maestro logo at cash machines bearing a Maestro or Cirrus logo. This could for example be a loss that you incur as a result You can find more information about this at abnamro. relates to a domestic or international payment in euros between accounts at banks which participate within the Giro collection form (acceptgiro) and iDEAL payments are SEPA area. In the case of a collection form this a completed paper instruction form. of being temporarily unable to make payment. What is a transfer and what types of transfer are there? (incassomachtiging). You can also ask the bank to carry out a transfer as an An exception to this rule applies in the case of deliberate urgent transfer. It you and credits it to your current account. ▶▶ in the case of a SEPA transfer. Can you have a direct debit reversed? In the case of iDEAL this is an electronic instruction form. 10.1. The bank carries out your instruction on the basis You can withdraw cash at cash machines. 8. Indirect loss and consequential loss If you incur indirect or consequential loss. What is a withdrawal and how can you withdraw money? beneficiary and other information in your instruction are A withdrawal is a payment transaction in which the bank of the beneficiary’s account number as indicated by you pays money from your current account to you in cash.nl. In the case You must indicate the IBAN (International Bank Account of withdrawals you must use your bank card and PIN or Number) of the beneficiary and the BIC (Bank Identifier other means of customer identification prescribed by Code) of the beneficiary’s bank in the instruction: the bank. as rapidly as possible. Norway and Liechtenstein.1. correct. How does direct debit work? have a deposit function.1. You can deposit money at those of the bank’s cash machines that 10. the bank is A SEPA transfer is a specific type of transfer. an already completed instruction form.In this regard the bank diverges from the risk allocation as A standing order is a transfer that the bank repeats at indicated in the Client Relationship Conditions. the territory of the member states of the EU and the countries Iceland. You may ask the bank to reverse a direct debit without having to give a reason. in one of the participating banks within the SEPA area. You must first give the beneficiary permission for this via a direct debit mandate 9. In this case the bank makes the transfer intent or gross negligence on the part of the bank. Direct debit receives cash and credits it to a current account. You can find further information about this at transfers for which you issue an instruction by means of abnamro. in the instruction.2.nl. This relates to loss other than amounts domestic or international payment in euros to an account that have been wrongfully debited from your account. You do have to do so within eight Page 4 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 .2. This is a not liable for this. What rules apply to a transfer instruction? The bank is not obliged to check whether the name of the 8. 8. In the case of an incoming transfer the bank receives an amount for A SEPA direct debit is a specific type of direct debit. fixed times and for which you only have to issue an instruction once. beneficiary’s bank receives that amount.2. 7. This mandate also applies if you give In the case of an outgoing transfer the bank debits the You may withdraw a mandate by notifying this to the amount to your current account and ensures that the beneficiary.

You can then ▶▶ blocking of all SEPA direct debits for a particular use this to make payments at any business that accepts You must make a request to the bank to block these creditor. This is possible in the Netherlands The bank will then investigate whether the creditor can and abroad at any firm that accepts Maestro. The amount that you pay is deducted the direct debit instruction. You must do this as quickly as possible. machines. using your PIN. This takes two working days and is indicated). You will receive no further ▶▶ a mandate for recurrent collections (doorlopende notification of this.1.2. Reversal is not possible in the case of: not execute the direct debit. firms abroad you do not have to use your PIN for this. in the case of SEPA direct debits one working day. the bank does account.weeks of the amount having been debited to your current If you have issued a blocking instruction. provided that they are an unmanned filling station. You can also use the same machines to the direct debit instruction. As soon ▶▶ blocking of all direct debits. as the actual amount is known the bank changes the ▶▶ blocking of all direct debits for a particular account provisional amount into the actual amount. You must make a request to the bank to block SEPA direct ▶▶ When you make payment with the Chipknip you do debits at least one working day before the creditor issues not use a PIN. direct debit is concerned and how you wish to block it. sale (POS) terminal. ▶▶ one-off blocking of a particular SEPA direct debit. the bank recredits the amount. Page 5 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 .2. machtiging) for games of chance. 12. electronic money on to your bank card.1. direct debits two working days in advance. for example in the case of account blocked for direct debits. This is only possible if the bank The following rules apply to the Chipknip. 11. point-of-sale terminal is not yet known at the time number of a particular creditor. ▶▶ blocking of all SEPA direct debits on the basis of a 12. What can you do if a direct debit is executed for which you have not given authorisation? 11.4. Payment via cash machine If there is no valid mandate for an executed direct debit. Can your current account be blocked for direct debits? Sometimes the exact amount of a payment via a You have the following possibilities for having your current you approve the payment. You must also indicate which from the balance on the Chipknip. The bank may then debit not SEPA direct debits: a provisional amount to your current account. How does the payment work if you have not approved the amount in advance? 10. 10. previously received an instruction from that creditor. procedure only if a refund without statement of reasons is not possible within eight weeks. make payments from your current account via a point-of- in any case within thirteen months following the debit. If the creditor cannot do so. Payment via cash machine with the Chipknip You have the following possibilities for having your current 12. This is only possible if the bank has the Chipknip. The amount that you load on to the Chipknip is debited to your current account This is only possible if the bank has already received by the bank.3. has previously received an instruction on the basis ▶▶ You can load money on to the Chipknip at loading of that mandate. What can you use the Chipknip for? account blocked for SEPA direct debits: You can use the Chipknip (electronic wallet) to load ▶▶ blocking of all SEPA direct debits. At some show a valid mandate. deposit an unused balance on your Chipknip back into your current account. 11. What rules apply to the Chipknip? specific mandate. ▶▶ a mandate for a one-off collection (eenmalige You may also request the bank to lift a direct debit machtiging) (in which the amount of the payment blocking instruction. How can you pay via a point-of-sale terminal? you can request the bank to recredit the amount to your With a bank card with Maestro logo and PIN you can current account. The bank follows this but you must in that case sign the transaction slip.

Page 6 of 6  Conditions of Personal Package Conditions for Consumer Payment Services January 2012 . means at least two months in advance.▶▶ The bank cannot freeze the balance on your Chipknip. working days. 14. charges. the bank credits this to your account. this is at your risk. You must comply with the rules Amsterdam Chamber of Commerce Trade Register in this information sheet. 14. If the bank is months in advance.. limits. On the last day of that you loaded the Chipknip or made payment with it. What rules apply to cancellation of the payment services? However. you can hand the 14. Payment Services Information Sheet / sending information The bank itself may also terminate the payment services. ▶▶ If the Chipknip is no longer usable. before the change comes into effect. In the Payment Services Information Sheet you will find In that case the bank will send you notice of cancellation further rules and information about the bank card. number 34334259 You can request the bank to send the Conditions for Payment Services or the Payment Services Information Sheet to you again. Can the bank change the conditions? The bank may change and add to the Conditions for Payment Services and the Payment Services Information Sheet. 13. If this is not possible. established in Amsterdam rates and statements. the bank can only do this if you hand the You may terminate the payment services whenever you bank card in within twelve months of the last time want by notifying the bank accordingly. exchange ABN AMRO Bank N. of customer identification.V. it will notify you at least two bank card with Chipknip in to the bank. current account. the bank calculates the balance The bank then credits this amount to your account. the bank will terminate the payment services.2. payment transactions. ▶▶ You do not receive a statement of payments made with the Chipknip. The change and amendment will able to determine that there is an unused balance on apply to you unless you cancel the payment services the Chipknip. If the bank does so. the month in which the bank receives your cancellation on the basis of the loading and payment data. Amendment / termination If you lose your bank card with Chipknip or someone uses it without your permission.1.

3. section 3: Card with Spread Payments Facility Visiting address: Wisselwerking 32. ▶▶ Extra Card: any Extra Card issued by us in addition to a Main Card. period. Vijzelgracht 50. ▶▶ APR: annual percentage rate. sections 1 and 3 of these general terms and conditions apply. missing or lost. apply to your Card. ▶▶ Spread Payments Facility: the opportunity to settle the amount due on the Card in instalments. In that case only Netherlands Authority for the Financial Markets sections 1 and 2 of these general terms and conditions (Autoriteit Financiële Markten. the Card as a means of payment. The Agreement is entered into for an indefinite ▶▶ Card Fee: the annual fee payable for the Card. ▶▶ MasterCard: MasterCard Europe sprl. our partner in issuing this Card. agreed. or MasterCard International Inc. ▶▶ Exchange Rate: the Exchange Rate determined by MasterCard. 1112 XP Diemen. ▶▶ Main Card: the Card in respect of which an Extra Card is issued. with due observance of a notice period of 2 weeks. (articles 24-28) Postal address: PO Box 23225. which includes both the Main Card and the Extra Card. b) on first use of the Card by you as a means of payment of for a cash withdrawal. e) you have been declared bankrupt or the Page 1 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . section 2: Card without Spread Payments Facility ▶▶ You (you/your): he holder of the Card. You are at all times entitled to terminate ▶▶ Documentation: the product information.. AFM). 1017 ZN Amsterdam) and the with the Spread Payments Facility. The terms used in these general terms and conditions Article 2. if agreed. plus 1. We are likewise entitled to terminate the Agreement. c) the moment of your first payment to us. or appear to occur: a) you are acting in breach of the Agreement. The Agreement comprises three sections: the Documentation. term and termination of the Agreement shall be defined as follows: 2. 2. If the Spread Payments Facility is 1017 HS. We are registered with De Nederlandsche Bank Your ABN AMRO Credit Card is not automatically provided (Westeinde 1. c) your creditworthiness has deteriorated significantly. by the Cardholder in combination with the Card. whichever comes earliest: a) when you activate the Card. either in writing or by telephone. General provisions Article 1. prices and the Agreement.2. ▶▶ Merchant: business and/or institution accepting the following moments.General terms and conditions ABN AMRO Credit Card These general terms and conditions are made up of Payments Facility. ▶▶ Agreement: the agreement you have entered into with us in relation to the Card and the Spread d) the amount due exceeds the spending limit. conditions provided to you by us in relation to the Card. (articles 21-23) ▶▶ We (us/our): International Card Services BV. with due observance of a notice period of 2 months. We are authorized to block the Card and the related facilities with immediate effect if any of the following circumstances occur. b) the Card is reported stolen. ▶▶ PIN: the personal identification number to be used for example by being in arrears with payments.95%. Commencement. 1100 DS Diemen. terms of the Agreement. ▶▶ BKR: the Central Credit Registration Office (Bureau Krediet Registratie). Amsterdam.1. The Agreement will become effective on any of ▶▶ ABN AMRO: ABN AMRO Bank NV. 2. Definitions applicable Exchange Rate. these general terms and conditions section 1: General provisions (articles 1-20) and any additional agreements and conditions. or d) any moment that you otherwise agree to the ▶▶ Card: the ABN AMRO Credit Card issued to you. Please contact us if you should wish to receive further information about the Section 1.

When we block the Card. We may from time to time provide you with a new Card as a replacement for the Card.4. PIN is personal and non-transferable. The have made use of the Card or the related facilities. If. you so. The PIN must not be disclosed to anyone. PIN and confidentiality 5. The new Card your e-mail address) as well as of any other is governed by the general terms and conditions changes that may be relevant to the Agreement. If the damage sustained by us is in excess of € Article 6. contained in this document.5. If you have a reasonable greatest possible care. Your general obligations persons has been declared applicable to you.6. the Card Fee shall not be due. make sure that others will not be given the by a Merchant or by a bank.000. are at all times obliged to carefully keep the Card in a safe place. We may from time to time soon as possible. as will cause the PIN to be incapable of being b) the Card has become invalid. These instructions must be complied with by you. we will inform you as mentioned thereon. The new Card will be attached to a changes to your contact information (including document and sent to your address. If the Agreement is dissolved in this and our employees. financial and otherwise. You should at once inform ABN AMRO of any Card invalid. this should be done in such a manner a) you are no longer allowed to use the Card. receipt. The validity of the Card shall not exceed the expiry SecureCode’ for performing purchases on the date mentioned on it. If you put the PIN down Card has been blocked: in writing. Within 14 calendar days from the commencement date of the Agreement you are entitled to dissolve Article 5. for example by at once checking the 3. 4. such as a log-in name or password. you by telephone at the earliest possible moment after the incident has been or could have been Article 3.3. contained in the including family members.at our request .2.statutory debt restructuring scheme for natural Article 4. 4. including methods such as ‘MasterCard 2. Loss.000 we shall also be entitled to demand 6.to cut the opportunity to watch when the PIN is entered by you. suspicion of improper use having been made of Page 2 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . Our general obligations discovered. You must c) the Card may be rejected or withdrawn by us.2. We are authorized to declare the old internet and/or the confidentiality of the PIN. a penalty will be likewise be kept strictly confidential and may only due of € 25 for each day that we have not be used by you.1. Whenever the Card is used. 2. or on any other document that is kept 2. i) you have left the residential address you provided to us. You are responsible for the use of the Card and f) abuse. 4.1. h) you have left the Netherlands or intend to do so to settle elsewhere. you should at all times check if your own Card is returned. during make use of this opportunity or are unable to do the period that the Card was available to you. Loss or theft of the Card. Other personalised security codes related to Card into 4 pieces and return it to us. You are free to select your own PIN. theft and improper use 1. such use shall be governed by all the conditions. You must not write the PIN on way. but no later than 30 days from the date 2. If you fail the Card.7. g) your death. Once the Agreement has been terminated or the together with the Card. d) you are obliged . the Card. received the Card.1. unauthorized use or fraudulent use of the Card. 5. We undertake to provide our services with the account statement. unless doing so should represent issue instructions regarding the safe use of the a breach of the law or legitimate security interests. must to comply with this request. with a maximum of € 1. The account statements should be checked by you immediately after j) you are involved in fraudulent actions. You should check at least once a day if the Card is still in your possession. If you do not the Agreement in writing free of charge. people living with you Agreement.1. a PIN will be issued to you automatically. recognized or deduced by third parties. Card. the PIN and/or any other payment from you of the amount in excess of personalised security codes must be reported by the maximum penalty. as is the Card.

2. security codes. with one or any of the obligations arising from which includes combating. without delay confirm this notification in writing c) settling national and international payment and report the incident to the police. This register and/or commercial stated in the Documentation. preventing and articles 4. Amending the Agreement Financial Institutions (the Gedragscode Verwerking 10. e) sending information on products. services and have committed a fraudulent act or in cases of promotions. If at the request of the holder of a Main Card we For the purposes mentioned in (b) and (c) we issue one or more Extra Cards.3. agreed otherwise. the Card Fee will be interest in doing so. After the notification as referred to in article 6. Card Fee 8. d) carrying out analyses for statistical and risk will be incurred by you for the subsequent use of the Card from that time onwards. unless 9. telephone as soon as possible. your personal data on to one or more insurance 7. Telephone conversations with you may be recorded for employee training and assessment purposes or for the purpose of recording evidence.1. 7. case you will be held liable for all losses resulting the information obtained by us through the from the loss. unless you research purposes. which under the applicable laws. if we should feel we have a reasonable in the course of a year. such as in the case of a credit refunded on a pro rato basis. the PIN and/or any other personalised of the services we have provided to you. 9. Next you must b) the execution of the Agreement. detecting criminal activities. This may happen after an analysis intent or gross negligence on your part. Article 8.the Card. Article 9.1. as demonstrated by.2. this Extra Card or may pass your personal data on to MasterCard.2. the PIN and/or the other personalised Among the purposes for which we shall process security codes. Card(s). The Agreement with a holder of an Extra Card will 9. you must notify us of this by application for your Card. Extra Card g) complying with our statutory obligations. When a Card is applied for. If the Agreement is terminated status. The holder of the Main Card will on behalf of the companies. as well as attempts to engage in such activities.4. Article 7. You will be notified of this Page 3 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . will be the responsible party or communications sent by us. In that has been carried out of your personal data. The Card Fee forms information agencies will also be consulted in part of the outstanding balance governed by order to obtain information regarding your financial articles 22 and 25. theft and/or improper use of the use of the Card and the type and volume Card. You will be liable for gross f) protecting the safety and integrity of the negligence in any case if you have failed to comply national and international financial sector. The annual Card Fee must be paid by you. 5 and 6.1 no transactions. 1110 VB Diemen. We shall use your personal data in accordance limit change or payment arrears.1. these Extra Cards will likewise be governed by the If you do not wish to receive the information Agreement.1. This means that the Agreement mentioned in (e) you may inform us of this free equally applies to the holder(s) of the Extra of charge by writing to freepost number 1110. for example. parties in respect of the insurance agreement(s).1. For the purpose of executing the insurance end automatically the moment the Agreement agreement(s) pertaining to the Card we may pass with the holder of the Main Card ends. or holder of the Extra Card receive all privacy laws.3. We are entitled to amend the Agreement within Persoonsgegevens Financiële Instellingen). with and for the purposes set out in the Code of Conduct for the Processing of Personal Data by Article 10. a credit check may be performed by consulting the Central Credit Registration Office (Bureau Krediet Registratie. The amount of the Card Fee is BKR) based in Tiel. your personal data are: the account statement or the secure internet a) the assessment and acceptance of the environment. 7. 6. Personal data 9. the limits set by the law.

You may terminate the Agreement by one working day. We offer you the opportunity to have a credit payment implies that the amount in question will balance on your Card. instructions for a money transfer. we will pay the amount in question on your behalf to the Merchant in question. Saving instructions to be carried out. when 13. With some being insufficient. When a purchase is made communication.2. by telephone or in a manner such events as soon as possible by telephone. Making payments with the Card 11. When we carry out free of charge before the changes become effective. similar thereto. by which 11. If a credit balance appears on the Card. The spending limit is determined by us. 11. If an Extra Card has been be charged to the Card account. this period is extended such changes.3. is due and payable Card.3. If an Extra Card has been issued. 13. Accepting the 12. When such changes.1. The Card may also be few working days. the credit balance will be allocated to the 11. d) fraud and/or improper use. We are entitled to adjust the spending limit. Merchants and/or affiliated banks may make additional or special requirements with regard to accepting the Card. this will be construed as acceptance of instructions are in writing.4. You will be informed of such a telecommunication systems operated by us or by change by means of the account statement or in third parties. or e) breakdowns of the equipment or means of signature placed. 11. accepted the sale by having provided the Card details and having allowed the payment Article 12. b) the balance on the Card or the bank account a signature has been placed. not exceed this limit. this also implies Article 11. The spending limit may be changed by the Page 4 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . We shall Article 13. or a presumption accepted the payment by the mere inserting of the Card without the PIN having been entered or a of such activities. c) the Card having been blocked. such as demanding proof of identity. We are entitled to change the Merchants and the performance of computer or interest rate. such as the collaboration of the account statement. which interest rate will be specified on the external factors. If you perform a payment transaction with the the spending limit is exceeded. if any.1. issued. Main Card. The amount. being invalid machines (such as toll gate machines or pay-anddisplay machines) you are deemed to have or having been withdrawn. used for cash withdrawals from affiliated banks A money transfer may be rejected or delayed as a and/or from cash machines. as a result of which completion of such instructions may take a payments to Merchants. Interest at a rate to be determined by uninterrupted use of the Card. you will be deemed to have in writing or by e-mail. the balance of the Card any other manner to be determined by us. Spending limit not be liable when the Card cannot be used. you will be deemed to have agreed to the payment. You may instruct us to transfer money from your bank account to the Card and vice versa. The Card may be used worldwide for making that we will send instructions to either our bank or your bank for further processing. Moreover. The use of the Card us will be paid on a credit balance of € 500 or after all is dependent on a great number of more.2.no later than 2 months prior to the effectuation of carry out these transactions no later than on the the changes. 13. the spending limit will be raised by the amount of the credit balance in question for as long as the said credit balance exists. We shall at once.1. If you do not within two months working day subsequent to the day the inform us in writing that you do not accept the instructions have been received. one spending limit applies to the Main Card and Extra Card jointly. When the Card is result of: inserted into a cash machine or card reader or a) you having failed to state the requested imprinter for the purpose of making payments or cash withdrawals and the PIN has been entered or information correctly and in full. You must it cannot be used in time or not in full. may be inadequate and cash withdrawals may be limited to a maximum amount per day.5. We will inform you of any through the internet. We do not guarantee the permanent.

Processing depends on the time the payment disputing amounts: or cash withdrawal has been communicated to us.2. When such 15. be charged to the Card once again. (Exchange Rate variations not included). statement. such a request must have been complied within 10 days at the latest. the loss as soon as possible. No amounts Article 14.50. We will make available or provide a monthly amounts are disputed. the amount in question will at once be credited to your account. of the legal ground on which the claim is based. and b) the amount is higher than you might have expected. stating all new us thereof no later than 8 weeks from the date expenses incurred and amounts received in the the amount was charged to your account. If we should require more information or documentation. If you make a request for additional information. We shall services. Liability by you. After a period of 13 months from the date of the 16. Account statement previous spending pattern. If you disagree with any amount on your account you with the Card. does not constitute a reason for disputing not be liable if we can prove that the amount in an amount. 16. 15. If you have stated sufficiently reasoned arguments for disputing an amount. there is no 14. In case of as a result of the Card having been stolen or lost.holder of a Main Card only. Exchange Rates. account statement the contents of those account statements will be deemed to have been approved Article 17. under Page 5 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . for example. We shall not be liable for any damage. for example shall be liable for an amount not exceeding the by delivering incorrect or defective goods or amount you instructed us to transfer. He will do so on behalf the reservation that the amount in question will of the holder of an Extra Card. regardless or calculation mistakes. b) resulting from the Card being blocked. in our view. penalties working days. 16. A Merchant not having is not carried out. Failing to comply with any of your obligations under this article will result in the loss of your right to dispute any amounts. We are authorized to rectify any mistakes.5. Cash withdrawals will be subject to a charge of exact amount had not yet been specified 4% on the amount withdrawn. or is carried out incorrectly. We will inform you of such fees in advance.1 and 16.1. and interest. you must have notified account statement to you.1. we may charge a fee for this.2. we shall pay the amount of In such cases the provisions of article 6 apply. You must inform us of any disputed amounts in writing withdrawn or invalidated. In addition the account statement will include the outstanding balance owed to us by you in that month. c) resulting from a refusal on our part to carry at the earliest possible moment after you have received the account statement.2 apply with respect to us. with a minimum of € 4. we will include amounts you owe to us. your Article 15. such as the Card repay the amount in question to you within 10 Fee. if it should prove to have been wrongly disputed. 17. transaction fees. 16. liability on our part. Payments and cash withdrawals in foreign reasonable chance of the disputation being currencies are converted into Euros on the basis of the Exchange Rate on the date on which the successful.1. after this period. by means of a out a payment order.3. Amounts cannot be disputed either question was received by your bank.1. a) in relation to products or services paid for by Article 16. 17. we performed its obligations towards you. Foreign currency and transaction fees are credited to the Card if.2. If you instruct us to transfer money from the Card notification stating the full reasons for disputing to your bank account or vice versa and this transfer the amounts concerned. ’New expenses incurred’ also the complaint is found to be correct.2. If month in question. in view of. Disputed amounts 16. The following exceptions to the provisions of payment or the cash withdrawal is processed by articles 16. a) at the time you agreed to the transaction its 14. you may dispute this amount.4.

the Article 22. will summarized.5 it the agreed delivery date. be made in a period of 60 days regarding practically every writing. provided position on the complaint.2. provided 22. by e-mail or by text message. Insurance payment was made and the payment has been 18.6. we will repay the amount to you.3. The outstanding balance of any account statement Page 6 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . by scheduled flight paid for with the Card against the telephone or through our special Internet sites.1. Flight Delay and Luggage Insurance: briefly they are accepted by Merchants. following events: flight delay (maximum cover € 140) and luggage delay (maximum cover € 410). The Agreement is governed by Dutch law. Delivery and Internet guarantee with the Financial Services Complaints Board 19.2 and 18. the following two conditions have been satisfied: 20. We are than 180 days from the date of purchase against authorized to subject payments to approval before loss. On request you will be sent a copy of the Agreement.4. All our communications with regard to the use of the Card and the Agreement.1. On request these conditions will authorized to assign the Agreement to a third party. 18.Article 18. statutory framework conditions have been met.2. Internet guarantee: if internet payments have been made with the Card that have not been authorized the Card was in your possession at the time the balance of the Card which you have to repay to us. The cover Article 20. after we have informed you of our final date. late payment or incomplete payment amount in question will be repaid by us. We are authorized to amend. Card without Spread Payments Facility received by us no later than three months from amount within 30 days from receipt of the Article 21. 18.8. 20.2. you may file your complaint Article 19. the date of the transaction.5. The account statement specifies the outstanding 19. theft and damage regarding practically all items of movable property that have been paid for with the Card (either in full or in part). The Card will remain our property. If you the Card is de-blocked. 20. 20. You are entitled to provide proof to the contrary.4. 20. Cover is provided only if you have your permanent residence in the Netherlands. 20.1. We may set off any amounts payable by us to you against any amounts that you owe to us. Notwithstanding the provisions of article 11.1. unless it concerns a transfer guarantee will in any case lapse 1 year after from a credit balance. b) your request for repayment must have been Section 2.3 (a). Purchases insurance: briefly summarized. Forming part of the Card are Purchases Insurance disputed by you in accordance with article 16. 18. unless the Merchant in the course 21. The delivery to your bank account. kifid) Card has not been delivered on the agreed delivery at kifid. should feel that the complaint was not dealt with to your satisfaction.3. Repayments and the consequences of non-payment. or its execution.1. provided the of these insurance agreements are set out below. An excess of € 50 per event applies at all times. Any cover under the insurance policy will cease until complaints may be submitted in writing. If the Card is blocked as set out in article 2. as defined in articles 18. Transferring money form the Card to your bank account request. Other conditions provided under this insurance may be found in the 20. We will repay the of that period delivers the product after all or is not possible to transfer money from the Card refunds the purchase price. be sent to you free of charge.nl. We are policy conditions. We have an internal complaints procedure. and Luggage Insurance and Flight Delay. at our discretion. The main conditions You hereby accept that condition. by you or if incorrect amounts are charged.7. Our records will serve as full proof to you.3. 20. extend or terminate insurance cover is provided for a period of no more the payment options of the Card. insurance cover is provided during be in Dutch and will. Delivery guarantee: if a product paid for with the (Klachteninstituut Financiële Dienstverlening. a) you have yourself made an unsuccessful demand for delivery to the Merchant first.

we may at your request (iv) and you will not use the Card for any further de-block the Card. full outstanding balance (including penalties and (iii) you will pay the Card Fee administrative fees). you will owe default interest on the outstanding balance. the full outstanding balance.nl. it may be used as before.2. No prior warnings are sent by us. ’Besluit wettelijke Card. Repayment. Each time you fail to comply with this amount to be paid by you. money transfers and costs payable to us. The following are charged to the Card: noncommercial transactions (this interest may payments. rente’) plus the maximum number of percentage such as the Card Fee. If within 21 days from the date of the next account statement the outstanding balance as referred to following assumptions: (i) you will withdraw the full amount of the in article 22. If. The APR represents the aggregate costs of the administrative fee will be charged to you at the credit.nl.3. The APR and the aggregate outstanding balance. until full payment has been made by you. Once your application for a Card has been Decree) (article 4). payable with immediate effect. The penalties referred to in this article are due and blame for the failure to make full and timely balance of the Card that is payable to us. The account statement specifies the outstanding 22. whereas interest on the transfers and costs is 22. ‘Besluit wettelijke rente’ (Statutory Interest Decree)) plus the maximum Article 24.1. The penalty and the 24.5% of 22. arrears to the BKR.1.overheid. In repay this outstanding balance in monthly addition to the penalty you are obliged to settle instalments.nl. the outstanding balance is due and depending on the number of days in a month) payable with immediate effect.4. de-blocked. Interest is charged as follows: a) interest is charged on each amount charged to interest is equal to the statutory interest for the Card. The interest rate is Page 7 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 .nl.1 still has not been settled in full. on which amounts interest is charged. with a minimum of € 20. costs have been determined on the basis of the 22. the Exchange Rate. points as contained in the Besluit kredietvergoeding transaction fees and interest. The Spread Payments Facility is a continuous the Besluit kredietvergoeding (Lending Rate credit. b) the interest is calculated on a daily basis (as Article 23. which may also be found received and authorized by us. The default the outstanding balance. The percentages in obligation.1. (ii) each month you will pay the minimum amount 22.overheid. and is equal to the statutory interest for noncommercial transactions (which may be found Section 3.17% of question and the amount are applicable the the outstanding balance. Immediate payment a result of which the amount of the interest 23. Once the Card has been blocked. Interest is (Lending Rate Decree) (article 4).1.6. 25. interest and cancellation of debts reason and regardless as to whether you are to 25. which may be charged on the payments and cash withdrawals found at wetten.overheid. you will owe us a penalty of 1. with the Card from the date these were made. Once the Card has been transactions. If the Agreement is terminated or the Card is payable may vary from month to month. spending limit in the form of a lump sum. the Card will be blocked. you will receive at wetten. We are obliged to report all unauthorized payment charged from the date of their entry.2. Spread Payments Facility number of percentage points as contained in 24. plus an amount of € 5 moment the Agreement becomes effective. cash withdrawals made with the be found at wetten. you settle the only as referred to in article 25.5.must be repaid to us by you in full within 21 days confirmation of the agreed interest rate. expressed in an annual percentage of the next account statement and form part of the total credit amount.2. blocked.overheid. regardless of the Article 25. Card with Spread Payments Facility at wetten. the APR from the date mentioned on the account (Annual Percentage Rate) and the total credit statement. You may payment. Your minimum monthly payment must be 2. in administrative fees. once the Card has been blocked.

2.5. The conditions article 25. You will once again be eligible for a waiver we had been aware of the true state of affairs.7. it is mentioned on the account statement as in your attempts to obtain a mortgage or other credit facilities. Interest is always charged for money transfers from the Card to your bank account. outstanding balance. The interest will in that case failed to pay the minimum amount due and be waived.1. a separate item and forms part of the outstanding balance. Article 26.V. No use may be made of the Card any longer 25. unless the transfer is heirs. incorrect information of such a nature as would we will charge interest on all subsequent payments have caused us not to enter into the and cash withdrawals.4. in the Dutch language shall be binding and prevail in all respects. In all other cases the Agreement remains in force until the moment the the minimum amount due we will send you a total amount owed to us has been paid by you. principal only after the interest payments and costs have been paid from them.6. If you do not pay the outstanding continue to do so even after a demand for balance in full. on the b) we find that. Registration System (Centraal Krediet Informatie­ systeem) for the purpose of preventing and limiting credit and payment risks for the affiliated institutions and overcrediting of Card users. we will charge interest on the full payment has been made. amount due within 7 days. Default interest will be payable on any outstanding amount after this This English translation has no legal force and is provided 7-day period equal to the interest mentioned in to the customer for convenience only. demanding that you pay the after which the Agreement will end. Immediate payment 27.. We will notify BKR of this Agreement. written notice. therefore. on entering into the Agreement. as soon as the outstanding balance appearing on a c) you have left the Netherlands or intend to do so to settle elsewhere. Cancellation and end of the Agreement change by means of the account statement or in 28.1. or not on the same conditions. 25. As long you have deliberately provided us with as you fail to pay the outstanding balance in full. e) you have been declared bankrupt or the statutory debt restructuring scheme for natural 25. We are authorized to adjust the interest rate with any such other manner as will be determined by us. BKR will entered in the Trade Register of the Amsterdam Chamber process this information in the Central Credit of Commerce under number 34334259. including. if waived. established in Amsterdam and 26. You will be notified of this Article 28. report may have adverse consequences for you c) the interest is charged each month.1. Page 8 of 8  Conditions of Personal Package General terms and conditions ABN AMRO Credit Card July 2011 . or made from a credit balance. immediate effect. which interest Agreement will not be performed by your is never subject to a waiver. BKR involvement and the consequences of late payment ABN AMRO Bank N.3. The law of the Netherlands shall apply. part that was paid by you within 21 days. The outstanding balance is due and payable with 21 days from the date mentioned on the account immediate effect if: statement. In the event of unauthorized payment arrears interest is charged). We are authorized to we are obliged to report this to BKR.2. Such a charge a lower interest rate. In the event of non-payment or late payment of once it has been cancelled. If you pay the full outstanding balance within Article 27. subsequent account statement is paid in full within 21 days. no interest will be charged by us on the a) for a period of at least 2 months you have outstanding balance. 25. d) you have died and we have sound reasons for assuming that your obligations under this 25.mentioned on the account statement (when 26. This interest cannot be Agreement. Any payments received will go towards the persons has been declared applicable to you.

either in writing or by telephone. ▶▶ Card: the ABN AMRO Gold Card issued to you.95%. The Agreement is entered into for an indefinite ▶▶ Documentation: the product information. sections 1 and 3 of these general terms and conditions apply. In that case only 1017 ZN Amsterdam) and the Netherlands Authority sections 1 and 2 of these general terms and conditions for the Financial Markets (Autoriteit Financiële apply to your Card. with the Spread Payments Facility. term and termination of the Agreement ▶▶ ABN AMRO: ABN AMRO Bank NV.. Definitions Amsterdam).2. plus 1. includes both the Main Card and the Extra Card. b) the Card is reported stolen. b) on first use of the Card by you as a means the Card as a means of payment. shall be defined as follows: Article 2. Section 1: general provisions Article 1. with due observance of a notice period of 2 months. ▶▶ BKR: the Central Credit Registration Office of payment or for a cash withdrawal. missing or lost. conditions provided to you by us in relation to the Card. ▶▶ Spread Payments Facility: the opportunity to settle Agreement. following circumstances occur. ▶▶ Merchant: business and/or institution accepting a) when you activate the Card. d) the amount due exceeds the spending limit. the amount due on the Card in instalments. Visiting (articles 24-28) address: Wisselwerking 32. or (Bureau Krediet Registratie). 1100 DS Diemen. ▶▶ Main Card: the Card in respect of which an Extra 2. 1017 HS. or MasterCard a) you are acting in breach of the Agreement. for International Inc. Postal address: PO Box 23225. ▶▶ Exchange Rate: the Exchange Rate determined by MasterCard. or appear to occur: ▶▶ MasterCard: MasterCard Europe sprl. AFM). these general terms section 1: General provisions (articles 1-20) and conditions and any additional agreements and section 2: Card without Spread Payments Facility conditions. Please contact us if you should wish to receive further information about the applicable Exchange Rate. if agreed. c) the moment of your first payment to us. ▶▶ Extra Card: any Extra Card issued by us in addition with due observance of a notice period of 2 weeks. which d) any moment that you otherwise agree to the terms of the Agreement. agreed. We are Your ABN AMRO Gold Card is not automatically provided registered with De Nederlandsche Bank (Westeinde 1. ▶▶ PIN: the personal identification number to be used by the Cardholder in combination with the Card. The Agreement will become effective on any of The terms used in these general terms and conditions the following moments. our partner in 2. 1112 XP Diemen. We are authorized to block the Card and the Card is issued. The Agreement of three sections: comprises the Documentation.General terms and conditions ABN AMRO Gold Card These general terms and conditions are made up Payments Facility. You are at all times entitled to terminate the Agreement. section 3: Card with Spread Payments Facility ▶▶ We (us/our): International Card Services BV. whichever comes earliest: issuing this Card. Commencement. We are likewise entitled to terminate the to a Main Card. related facilities with immediate effect if any of the ▶▶ APR: annual percentage rate. (articles 21-23) ▶▶ You (you/your): the holder of the Card. c) your creditworthiness has deteriorated significantly. Vijzelgracht 50. ▶▶ Agreement: the agreement you have entered into with us in relation to the Card and the Spread Page 1 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card example by being in arrears with payments.1. prices and period.3. If the Spread Payments Facility is Markten. 2. ▶▶ Card fee: the annual fee payable for the Card. July 2011 .

but no later than 30 days from the date security interests. you should at all times check if your own Card is returned. so to settle elsewhere. If. the Card. way. Other personalised security codes related to Card. If you fail to make sure that others will not be given the comply with this request. PIN and confidentiality the period that the Card was available to you. You are free to select your own PIN. If the damage the Card. your e-mail address) as well as of any other changes that may be relevant to the Agreement. unless doing so should should be checked by you immediately after represent a breach of the law or legitimate receipt. You must not write the PIN on a) you are no longer allowed to use the Card. The new Card will be attached to a document and sent to your address. We may from time to time issue instructions regarding the safe use of the 2. the Card fee shall not be due. If the Agreement is dissolved in this Card. so. a PIN will be issued to you automatically. we shall likewise be kept strictly confidential and may only also be entitled to demand payment from you of be used by you.1. 2. You must into 4 pieces and return it to us.2.4. i) you have left the residential address you 4. You are responsible for the use of the Card and are at all times obliged to carefully keep the Card in a h) you have left the Netherlands or intend to do safe place. d) you are obliged . g) your death. make use of this opportunity or are unable to do such use shall be governed by all the conditions. this should be done in such a manner by a Merchant or by a bank. you 5. should check at least once a day if the Card is still j) you are involved in fraudulent actions. people living with you Card has been blocked: and our employees.3. with a maximum of € 1. Page 2 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . Article 4.at our request .000.1. a penalty will be due of opportunity to watch when the PIN is entered by € 25 for each day that we have not received the you. The validity of the Card shall not exceed the expiry date mentioned on it. f) abuse. When we block the Card. You provided to us. We are authorized to declare the old internet and/or the confidentiality of the PIN. 2. 2. 5. the amount in excess of the maximum penalty.2. Our general obligations 3.6. You should at once inform ABN AMRO of any is governed by the general terms and conditions changes to your contact information (including contained in this document.5.1. including methods such as ‘MasterCard provide you with a new Card as a replacement SecureCode’ for performing purchases on the for the Card. The financial and otherwise. These instructions must be complied with by you. The account statements soon as possible. Card invalid. Your general obligations 4. persons has been declared applicable to you. in writing.7. mentioned thereon. as is the Agreement. together with the Card.e) you have been declared bankrupt or the statutory debt restructuring scheme for natural Article 3. Once the Agreement has been terminated or the including family members. We undertake to provide our services with the greatest possible care. Whenever the Card is used. unauthorized use or fraudulent use of the Card. We may from time to time Card. during Article 5.to cut the Card that it will cause the PIN to be incapable of being recognized or deduced by third parties. we will inform you as in your possession. If you do not have made use of the Card or the related facilities. The PIN must not be disclosed to anyone. If you put the PIN down c) the Card may be rejected or withdrawn by us. Within 14 calendar days from the commencement date of the Agreement you are entitled to dissolve the Agreement in writing free of charge. such as a log-in name or password. contained in the PIN is personal and non-transferable. or on any other document that is kept b) the Card has become invalid.000. must sustained by us is in excess of € 1. The new Card 4.

research purposes. theft and/or improper use of the f) protecting the safety and integrity of the Card. We shall use your personal data in accordance personalised security codes must be reported by with and for the purposes set out in the Code of you by telephone at the earliest possible moment Conduct for the Processing of Personal Data by after the incident has been or could have been Financial Institutions (the Gedragscode Verwerking discovered. If you have a reasonable Among the purposes for which we shall process suspicion of improper use having been made of your personal data are: the Card. This register and/or commercial agreed otherwise.1. application for your Card. When a Card is applied for. Page 3 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 .3. The Card fee forms order to obtain information regarding your financial part of the outstanding balance governed by status. articles 4.1 e) sending information on products. environment. After the notification as referred to in article 6. The amount of the Card fee is information agencies will also be consulted in stated in the Documentation. for example by at once checking Persoonsgegevens Financiële Instellingen). services and no risk will be incurred by you for the subsequent promotions. unless has been carried out of your personal data. Loss. You will be liable for gross which includes combating. you must notify us of this by c) settling national and international payment telephone as soon as possible. such as in the case of a credit in the course of a year. Card fee 8. This may happen after an analysis use of the Card from that time onwards. security codes. 7.1. from the loss.Article 6. the PIN and/or any other 9.1. or 7. Extra Card may pass your personal data on to MasterCard. 6. Next you must transactions. 9. Agreement.1. without delay confirm this notification in writing d) carrying out analyses for statistical and and report the incident to the police.3. for example. as well as with one or any of the obligations arising from attempts to engage in such activities. equally applies to the holder(s) of the Extra Card(s). will be the responsible party or holder of the Extra Card receive all communications sent by us. the PIN and/or the other personalised a) the assessment and acceptance of the security codes. This means that the Agreement 1110 VB Diemen. the you have committed a fraudulent act or in cases information obtained by us through the use of of intent or gross negligence on your part. if we should feel we have a reasonable articles 22 and 25. The Agreement with a holder of an Extra Card will agreement(s) pertaining to the Card we may pass end automatically the moment the Agreement your personal data on to one or more insurance with the holder of the Main Card ends.1. If at the request of the holder of a Main Card we If you do not wish to receive the information issue one or more Extra Cards. preventing and negligence in any case if you have failed to comply detecting criminal activities. unless performed by consulting the Central Credit Registration Office (Bureau Krediet Registratie.2. In that the Card and the type and volume of the case you will be held liable for all losses resulting services we have provided to you. g) complying with our statutory obligations. theft and improper use Article 9. companies. parties in respect of the insurance agreement(s). BKR) based in Tiel. 9.2. the account statement or the secure internet b) the execution of the Agreement. Personal data 6. as demonstrated by. The holder of the Main Card will on behalf of the privacy laws. the PIN and/or any other personalised national and international financial sector. For the purpose of executing the insurance 7. the Card fee will be limit change or payment arrears. this Extra Card or mentioned in (e) you may inform us of this free these Extra Cards will likewise be governed by the of charge by writing to freepost number 1110. refunded on a pro rato basis. 5 and 6. a credit check may be Article 8. Loss or theft of the Card.2. If the Agreement is terminated interest in doing so. For the purposes mentioned in (b) and (c) we Article 7. the account statement. which under the applicable laws. The annual Card fee must be paid by you.

We will inform you of any signature placed.1. You will be informed of such a Merchants and the performance of computer or change by means of the account statement or in telecommunication systems operated by us or by any other manner to be determined by us. you will be deemed to have accepted the sale by having provided the Card Article 12. you will be deemed c) the Card having been blocked. the spending limit is exceeded. When a purchase is made such events as soon as possible by telephone. the credit balance will be allocated to the be charged to the Card account. Merchants and/or affiliated banks may make purposes or for the purpose of recording evidence. instructions for a money transfer. The Card may be used worldwide for making which completion of such instructions may take a payments to Merchants. The amount. 11. Amending the Agreement 10. is due and payable 11. When we carry out of charge before the changes become effective. this also implies that we will send instructions to either our bank or Article 11.9. similar thereto. Saving details and having allowed the payment 12. through the internet. With some or having been withdrawn.2. We are entitled to adjust the spending limit. Telephone conversations with you may be recorded for employee training and assessment behalf to the Merchant in question. additional or special requirements with regard to accepting the Card.4. by telephone or in a manner in writing or by e-mail.1. third parties. we will pay the amount in question on your Page 4 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . We shall 13. The spending limit is determined by us. If you do not within 2 months inform working day subsequent to the day the us in writing that you do not accept the changes. If an Extra Card has been payment implies that the amount in question will issued. 11. You may instruct us to transfer money from your the limits set by the law. You must not be liable when the Card cannot be used. if any. Making payments with the Card your bank for further processing. machines (such as toll gate machines or pay-and- d) fraud and/or improper use.1. Accepting the balance on your Card. Interest at a rate to be determined by us will be paid on a credit balance of € 500 or 11. We are entitled to change the external factors. The use of the Card more. this period is extended changes. We offer you the opportunity to have a credit instructions to be carried out. You will be notified of this bank account to the Card and vice versa. A money transfer may be used for cash withdrawals from affiliated banks rejected or delayed as a result of: and/or from cash machines. uninterrupted use of the Card. Card. the balance of the Card may be inadequate and cash withdrawals may be Article 13. imprinter for the purpose of making payments or b) the balance on the Card or the bank account cash withdrawals and the PIN has been entered or being insufficient. as a result of 11. which interest rate will be specified on the after all is dependent on a great number of account statement. being invalid to have agreed to the payment. or a presumption display machines) you are deemed to have of such activities. Spending limit limited to a maximum amount per day.4. by which it cannot be used in time or not in full.1. such as the collaboration of the interest rate. or accepted the payment by the mere inserting of e) breakdowns of the equipment or means of the Card without the PIN having been entered or a communication. When the Card is a) you having failed to state the requested inserted into a cash machine or card reader or information correctly and in full. instructions have been received. We are entitled to amend the Agreement within of identity. The Card may also be few working days.3.5. when not exceed this limit. Moreover. such as demanding proof Article 10. You may terminate the Agreement free by one working day. We shall no later than 2 months prior to the effectuation of carry out these transactions no later than on the the changes. Main Card. We do not guarantee the permanent. a signature has been placed. When such this will be construed as acceptance of such instructions are in writing. If you perform a payment transaction with the at once.

or calculation mistakes. We will inform you of such fees in advance. The spending limit may be changed by the for disputing an amount. 16. If you have stated sufficiently reasoned arguments jointly.1.1. you must have notified account statement to you us. account statement the contents of those account statements will be deemed to have been approved Article 17. reservation that the amount in question will be charged to the Card once again.2.2. In such cases the provisions of article 6 apply. 16. a) at the time you agreed to the transaction its 14. or is carried out performed its obligations towards you. Foreign currency and transaction fees to have been wrongly disputed. for example. under the of the holder of an Extra Card. in our view. b) the amount is higher than you might have expected.3.2. 17.13. such a request must have been by you in that month. in view of. we will include amounts you owe to us.3. by means of a 17.50. a) in relation to products or services paid for by Article 16. He will do so on behalf will at once be credited to your account. Payments and cash withdrawals in foreign reasonable chance of the disputation being credited to the Card if. No amounts are 14. you may dispute this amount.2 apply with respect to us. Amounts cannot be disputed credit balance exists. In addition the account statement 16. stating all new us thereof no later than 8 weeks from the date expenses incurred and amounts received in the the amount was charged to your account. must inform us of any disputed amounts in writing c) resulting from a refusal on our part to carry at the earliest possible moment after you have out a payment order. The following exceptions to the provisions of payment or the cash withdrawal is processed by articles 16. we may charge a fee for 16.1. If a credit balance appears on the Card. If you instruct us to transfer money from the Card notification stating the full reasons for disputing to your bank account or vice versa and this the amounts concerned. one spending limit applies to the Main Card and Extra Card lost. We are authorized to rectify any mistakes. and of € 4. your Article 15. Failing to comply with any of your obligations this. under this article will result in the loss of your right 15. there is no currencies are converted into Euros on the basis of the Exchange Rate on the date on which the successful. If you disagree with any amount on your account b) resulting from the Card being blocked.1 and 16. transaction fees. If we should require more information or will include the outstanding balance owed to us documentation. with a minimum (Exchange Rate variations not included). Liability by you. 16. either as a result of the Card having been stolen or 13. Account statement previous spending pattern. after this period. does not constitute a reason for credit balance in question for as long as the said disputing an amount. month in question. regardless of the legal ground on which the claim is based. If an Extra Card has been issued. received the account statement. additional information. You withdrawn or invalidated. Exchange Rates. When such 15.5.2. Cash withdrawals will be subject to a charge of exact amount had not yet been specified 4% on the amount withdrawn. If you make a request for complied within 10 days at the latest. ‘New expenses incurred‘ also If the complaint is found to be correct. the by delivering incorrect or defective goods or spending limit will be raised by the amount of the services. the amount in question holder of a Main Card only. penalties 10 working days. After a period of 13 months from the date of the to dispute any amounts. Processing depends on the time the payment disputing amounts: or cash withdrawal has been communicated to us. We will make available or provide a monthly amounts are disputed. such as the Card repay the amount in question to you within fee.4.2. for example incorrectly.1. and interest. statement. if it should prove Article 14. We shall not be liable for any damage. A Merchant not having transfer is not carried out. Disputed amounts you with the Card. we shall be liable for an amount not Page 5 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 .

Delivery and Internet guarantee with the Financial Services Complaints Board 19. we will repay the amount to you.1.6. Page 6 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . Netherlands. the sent to you free of charge. An excess of € 50 per event applies at all times. If you the Card is de-blocked. extend or terminate the payment options of the Card. disputed by you in accordance with article 16. We have an internal complaints procedure. 18. the following two conditions have been satisfied: 20.2. 18.1.5. following events: flight delay (maximum cover € 140) and luggage delay (maximum cover € 410). Cover is provided authorized to assign the Agreement to a third party.nl.4.2 . You are entitled to provide proof to the contrary. with your rental car (maximum cover € 10. The delivery guarantee will in any Excess Car Hire Insurance and Car Hire Motor case lapse 1 year after the date of the Legal Expenses Insurance as defined in articles transaction. Article 18. insurance cover is provided for a period of no more than 1 year from the date of purchase against loss. will 18. Other conditions movable property that have been paid for with the 20. a period of 60 days regarding practically every scheduled flight paid for with the Card against the 20. We will repay the amount within 30 days from receipt of the request. The cover provided under these 19. Internet guarantee: if internet payments have been insurance policies may be found in the policy made with the Card that have not been authorized conditions. Car Hire Motor Legal Expenses Insurance: briefly be in Dutch and will. the Card was in your possession at the time the payment was made and the payment has been 18. the Card and the Agreement. We shall not be liable if we can prove that demand for delivery to the Merchant first. We are authorized to amend.3. after we have informed you of our final date. The main conditions amount in question will be repaid by us. b) your request for repayment must have been the amount in question was received by your bank. 20. or its execution. In case of liability on our part. insurance cover is provided during they are accepted by Merchants. We may set off any amounts payable by us to you against any amounts that you owe to us.3.7. The Agreement is governed by Dutch law.5. agreed delivery date.3 (a). 20.6.8. this insurance offers cover for legal writing. by expenses if you should get involved in an accident telephone or through our special Internet sites. Insurance unless the Merchant in the course of that period 18.exceeding the amount you instructed us to a) you have yourself made an unsuccessful transfer. you may file your complaint Article 19. 20. the excess in case of damage to a rental car fully insured 20. The Card will remain our property. provided of these insurance agreements are set out below. All our communications with regard to the use of under the Card is covered to a maximum of € 500.1. only if you have your permanent residence in the You hereby accept that condition. If the Card is blocked as set out in article 2. we shall pay received by us no later than 3 months from the the amount of the loss as soon as possible.5. Forming part of the Card are Purchases Insurance delivers the product after all or refunds the and Luggage Insurance and Flight Delay and purchase price. Excess Car Hire Insurance: briefly summarized. Our records will serve as full proof to you. Flight Delay and Luggage Insurance: briefly authorized to subject payments to approval before summarized.2.000 for 20. kifid) Card has not been delivered on the agreed delivery at kifid. provided the statutory framework conditions have been met. On request these conditions will be by you or if incorrect amounts are charged. at our discretion. Delivery guarantee: if a product paid for with the (Klachteninstituut Financiële Dienstverlening. 18.18. We are 18.4. Agreement. by e-mail or by text message. be made in summarized. theft and damage regarding practically all items of Article 20. We are Card (either in full or in part). provided position on the complaint. should feel that the complaint was not dealt with to your satisfaction. Purchases insurance: briefly summarized. Any cover under the insurance policies will cease until complaints may be submitted in writing.2. On request you will be sent a copy of the countries outside Europe).

on which amounts interest is charged. points as contained in the Besluit transaction fees and interest. You may payment. The APR represents the aggregate costs of the administrative fee will be charged to you at the credit. 22.5 it is not possible to transfer money from the Card to kredietvergoeding (Lending Rate Decree) (article 4). Immediate payment 23. We are obliged to report all unauthorized payment arrears to the BKR.4. the APR from the date mentioned on the account (Annual Percentage Rate) and the total credit statement.1. The Spread Payments Facility is a continuous Article 24.nl. The following are charged to the noncommercial transactions (this interest may Card: payments. The default a) interest is charged on each amount charged to interest is equal to the statutory interest for the Card. you will owe default interest on the outstanding balance. regardless of Article 25. we may at your request (iv) and you will not use the Card for any further de-block the Card. Interest is charged as follows: full payment has been made by you. you will receive must be repaid to us by you in full within 21 days confirmation of the agreed interest rate. the Exchange Rate. Article 23. The account statement specifies the outstanding 24. credit. with a minimum of € 20. Repayments and the consequences of non-payment.17% of question and the amount are applicable the the outstanding balance. plus an amount of € 5 moment the Agreement becomes effective. spending limit in the form of a lump sum. No prior warnings are sent by us. interest and cancellation of debts the reason and regardless as to whether you are 25.overheid.1. it may be used as before. The account statement specifies the outstanding 22. the Card will be blocked.1. once the Card has been blocked. Transferring money from the Card to your bank account 21. The percentages in obligation. you settle only as referred to in article 25. until 25. unless it concerns a transfer blocked. late payment or incomplete payment Section 3. Interest is Page 7 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . ’Besluit wettelijke the Card. (ii) each month you will pay the minimum amount 22. If the Agreement is terminated or the Card is your bank account. and payable with immediate effect.6.1. The penalty and the 24. If within 21 days from the date of the next account following assumptions: statement the outstanding balance as referred (i) you will withdraw the full amount of the to in article 22. the outstanding balance is due and from a credit balance.1 still has not been settled in full.3.5% of the outstanding balance.2. de-blocked. money transfers and costs payable to rente’) plus the maximum number of percentage us. The penalties referred to in this article are due to blame for the failure to make full and timely balance of the Card that is payable to us. you will owe us a penalty of 1. Article 22. costs have been determined on the basis of the 22. Your minimum monthly payment must be 2. Spread Payments Facility balance of the Card which you have to repay to us. Each time you fail to comply with this amount to be paid by you.2.  the full outstanding balance (including penalties (iii) you will pay the Card fee and administrative fees).Section 2.overheid. payable with immediate effect. Notwithstanding the provisions of article 11. Once your application for a Card has been The outstanding balance of any account statement received and authorized by us.5. expressed in an annual percentage of the next account statement and form part of the total credit amount. Card without Spread Payments Facility Article 21. If. Once the Card has been transactions.2.1. the full outstanding balance. which may be found at wetten. in administrative fees. Repayment. The APR and the aggregate outstanding balance. 22.nl. cash withdrawals made with be found at wetten. Card with Spread Payments Facility 22. In repay this outstanding balance in monthly addition to the penalty you are obliged to settle instalments. Once the Card has been blocked.1. such as the Card fee.

1. We are authorized to may have adverse consequences for you in your charge a lower interest rate. Page 8 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . have caused us not to enter into the we will charge interest on all subsequent Agreement. at wetten. which may also be found institutions and overcrediting of Card users. The interest rate is 26.7. The interest will in that continue to do so even after a demand for case be waived. outstanding balance. b) we find that. d) you have died and we have sound reasons for assuming that your obligations under this Agreement will not be performed by your heirs.5. on the you have deliberately provided us with part that was paid by you within 21 days. and is equal to the statutory interest for non- Article 26.6. 25. You will be notified of this change by means of the account statement or in any such other manner as will be determined by us. We are authorized to adjust the interest rate with immediate effect. 27. BKR involvement and the consequences of late payment commercial transactions (which may be found 26. Interest is always charged for money transfers from the Card to your bank account. attempts to obtain a mortgage or other credit facilities.1. no interest will be charged by us on failed to pay the minimum amount due and the outstanding balance. Such a report interest is charged). c) the interest is charged each month. BKR will depending on the number of days in a month) at wetten. on entering into the Agreement.overheid. principal only after the interest payments and costs have been paid from them. due within 7 days. The outstanding balance is due and payable with 25. Any payments received will go towards the we had been aware of the true state of affairs. or e) you have been declared bankrupt or the statutory debt restructuring scheme for natural persons has been declared applicable to you.2. it is mentioned on the account statement as a separate item and forms part of the Article 27.charged on the payments and cash withdrawals 25. Default interest will be payable b) the interest is calculated on a daily basis on any outstanding amount after this 7-day period (as a result of which the amount of the interest equal to the interest mentioned in article 25.3. demanding that you pay the amount is charged from the date of their entry. In the event of unauthorized payment arrears we mentioned on the account statement (when are obliged to report this to BKR. This interest cannot be waived. we will charge interest on the full payment has been made. ’Besluit wettelijke rente‘ process this information in the Central Credit (Statutory Interest Decree) plus the maximum Registration System (Centraal Krediet Informatie­ number of percentage points as contained in systeem) for the purpose of preventing and the Besluit kredietvergoeding (Lending Rate limiting credit and payment risks for the affiliated Decree) (article 4). payable may vary from month to month.nl. if payments and cash withdrawals. As long incorrect information of such a nature as would as you fail to pay the outstanding balance in full.2. including. We will notify BKR of this Agreement.4. If you do not pay the outstanding balance in full. the minimum amount due we will send you a whereas interest on the transfers and costs written notice.nl. which interest is never subject to a waiver. unless the transfer is made from a credit balance. If you pay the full outstanding balance within 21 days from the date mentioned on the account immediate effect if: a) for a period of at least 2 months you have statement. You will once again be eligible for a waiver as soon as the outstanding balance appearing on a subsequent account statement is paid in full within 21 days. Immediate payment outstanding balance. or not on the same conditions.overheid. 25. c) you have left the Netherlands or intend to do so to settle elsewhere. In the event of non-payment or late payment of with the Card from the date these were made. 25. therefore.

1. No use may be made of the Card any longer once it has been cancelled. Cancellation and end of the Agreement 28. This English translation has no legal force and is provided to the customer for convenience only. established in Amsterdam and entered in the Trade Register of the Amsterdam Chamber of Commerce under number 34334259. after which the Agreement will end.V. The conditions in the Dutch language shall be binding and prevail in all respects. Page 9 of 9  Conditions of Personal Package General terms and conditions ABN AMRO Gold Card July 2011 . ABN AMRO Bank N. The law of the Netherlands shall apply. In all other cases the Agreement remains in force until the moment the total amount owed to us has been paid by you.Article 28..

You can close your Direct Sparen account at any time. c.000.000. This is free of charge.40. If your savings Who is the Direct Sparen account for? The Direct Sparen account is intended for retail customers. to your contra account. Deposits to your Direct Sparen account a. hold with the bank. in the names of you and Account Statements Electronic account statements will be available within Internet Banking. Interest rates on your Direct Sparen account are translation. You can make deposits to your Direct Sparen account at any time. The bank may change the interest rates and balance thresholds at any time. You can only open and use a Direct Sparen account if you have a contra account. Page 1 of 2  Conditions of Personal Package Conditions of Direct Sparen May 2011 . The bank applies several balance thresholds. If you do not have Internet Banking. e.nl/rente or can be requested from the bank. The bank will inform you in advance of any changes in interest rates in one of the following ways: ▶▶ an announcement on abnamro. the bank can no longer execute any instructions Withdrawals from your Direct Sparen account a. d. ▶▶ a written or electronic message sent to you. The bank will transfer any accrued interest to your contra account in the first half of the following month. apply to the relationship between you and the bank. deposit and withdraw amounts at any time. the Dutch text will prevail. Interest will be credited to your Direct Sparen account annually on 31 December. If amounts cannot be transferred to the contra account. The maximum balance on which you will receive statement’ in these General Conditions will be taken interest is € 1. b. variable. your partner. e.Conditions of Direct Sparen This is a translation of the original Dutch text. Conditions and Definitions a. The interest you will receive on your Direct Sparen account depends on the account balance. b. statement’ here. d. References in these conditions to a contra account mean a savings or payment account in euros that you f. You can abnamro. This is free of charge.V. foundations and non-profit associations not constituting an enterprise. You can make withdrawals from the Direct Sparen account at any time. b. Once your Direct Sparen account has been closed. the bank will hold the amounts on one of its own accounts. The interest will be visible and available after two working days. You make a deposit by transferring an amount in euros to your Direct Sparen account. c. In the event Interest on your Direct Sparen account of any disparity between the Dutch original and this a. private pension companies. Details of the balance What is the Direct Sparen account? thresholds and current interest rates are available on The Direct Sparen account is a savings account. You will not receive interest to mean the same as ‘you’ and the ‘account if the amount of interest due is less than € 0. you will receive account statements on paper. You may open one Direct Sparen account in your name and one. b. The General Conditions ABN AMRO Bank N. No interest will be paid on these amounts. Interest will be calculated on the days for which your amounts are held on the savings account.nl/rente. you will receive a higher rate of interest on the full balance. c. References to the ‘customer’ and the ‘bank exceed a threshold. You make a withdrawal by transferring an amount relating to this savings account. b. for example. b. Opening your Direct Sparen account a. Closing your Direct Sparen account a. This is free of charge. The interest rate you will receive will depend on the account balance. The bank will transfer any amounts remaining on the Direct Sparen account to your contra account.

You can find more information about a complaint.nl/garantieregeling or by ▶▶ abnamro.nl The bank will inform you in advance of any changes in one of the following ways: ABN AMRO Bank N. listed in the register of the Netherlands Authority for the ▶▶ an announcement in three daily newspapers Financial Markets (Autoriteit Financiële Markten) under in wide circulation in the Netherlands. Dutch Central Bank (De Nederlandsche Bank N. is established at Other provisions Gustav Mahlerlaan 10.V.0024 of 12 months or if you contravene these conditions or (€ 0. offered.V. Netherlands. If you are not satisfied with the solution 34334259. If you are not satisfied with the outcome.f.O. Telephone number: 0900 .V.V. Box 283 1000 EA Amsterdam Netherlands The Complaints Management Department will handle your complaint. 1082 PP Amsterdam. you have three months in which to submit your complaint to the Financial Services Complaints Committee (KiFiD) at the following address: P. ABN AMRO Bank N.: +31 (0)70 333 89 99 Fax: +31 (0)70 333 89 00 Further details can be found on kifid.0024 (€ 0.O. ▶▶ 0800 . ABN AMRO Bank N.nl Page 2 of 2  Conditions of Personal Package Conditions of Direct Sparen May 2011 . is listed in the Trade Register of The bank will seek to identify the best solution for each the Amsterdam Chamber of Commerce under number complaint.10 per minute). is covered by the Deposit The bank wants you to be satisfied. b. Internet address: abnamro.nl/klachtenregeling or telephone on 0900 . ABN AMRO Bank N. number 12020215. The bank may change these conditions at any time. If you have Guarantee Scheme. is licensed to offer savings products. Box 93257 2509 AG The Hague Netherlands Tel. please write to: VAT identification number: NL 820646660B01.V. ABN AMRO Bank N. The Direct Sparen account is not a payment account.024 07 12 (calls are free of charge). the General Conditions ABN AMRO Bank N. The bank may close your Direct Sparen account if no If you have any questions amounts are held on the savings account for a period You can contact the bank by telephone on 0900 . has a banking licence from the ▶▶ an announcement on abnamro.10 per minute). Afdeling Klachtenmanagement P.nl.V. If you have a complaint ABN AMRO Bank N.0024. a.) and is ▶▶ a written or electronic message sent to you. please let us know via: this Scheme on abnamro.V.V.

the Dutch text will prevail. ▶▶ a written or electronic message sent to you. Interest will be credited to your Direct Kwartaal Sparen account on 31 December. Account Statements Electronic account statements will be available within Deposits to your Direct Kwartaal Sparen account Internet Banking. available after five working days. What is the Direct Kwartaal Sparen account? The Direct Kwartaal Sparen account is a savings account. foundations and non-profit associations not constituting an enterprise. g. You may open one Direct Kwartaal Sparen account in h. c. The bank will transfer any amounts remaining on the account to your contra account. d. in the names of you and 30 September. for example. You make a withdrawal by transferring an amount to your contra account. f. You can close your Direct Kwartaal Sparen account at any time. d. This is free of charge. quarter mean the periods from 31 December to 30 March. The bank may change these rates at any Who is the Direct Kwartaal Sparen account for? The Direct Kwartaal Sparen account is intended for retail customers. c.000. Details of current interest rates are available on abnamro. b. b. Interest will be calculated on the days for which your amounts are held on the savings account. apply to the relationship between you and the bank.Conditions of Direct Kwartaal Sparen of any disparity between the Dutch original and this Withdrawals from your Direct Kwartaal Sparen account translation.nl/rente or can be requested from the bank. 31 March. You will not receive interest if the amount of interest due is less than € 0. If you do not have Internet Banking. c. The maximum balance on which you will receive interest is € 1. You can only open and use a Direct Kwartaal Sparen account if you have a contra account. private pension companies.nl/rente. You make a deposit by transferring an amount in euros to your Direct Kwartaal Sparen account. a. you will receive the basic interest rate on such amounts until such time as they are withdrawn. You will only receive the basic rate of interest on amounts Conditions and Definitions a. a. from 31 March to 29 June.V. from 30 June to 29 September and from 30 September to 30 December. Interest rates on your Direct Kwartaal Sparen account You will receive a basic rate of interest on the account are variable. b.000. If any amounts are withdrawn during the quarter. You can make withdrawals from the Direct Kwartaal This is a translation of the original Dutch text. you will receive account statements on paper. The interest will be visible and and your partner. b. This is free of charge. transferred to the savings account during the quarter. Closing your Direct Kwartaal Sparen account a. References to the ‘customer’ and the ‘bank statement’ in these General Conditions will be taken to mean the same as ‘you’ and the ‘account statement’ here. This is free of charge. You can deposit and withdraw amounts at any time. b. e. You will receive the bonus interest rate on amounts that remain on the savings account for a full quarter. The General Conditions ABN AMRO Bank N. In the event Sparen account at any time. 30 June your name and one. and a bonus rate on amounts remaining on the Interest on your Direct Kwartaal Sparen account account for a full quarter. Opening your Direct Kwartaal Sparen account a. You can make deposits to your Direct Kwartaal Sparen account at any time. References in these conditions to a: contra account mean a savings or payment account in euros that you hold with the bank. The bank will inform you in advance of any changes in interest rates in one of the following ways: ▶▶ an announcement on abnamro.40. balance. Page 1 of 2  Conditions of Personal Package Conditions of Direct Kwartaal Sparen May 2011 . time.

The Direct Kwartaal Sparen account is not a payment You can contact the bank by telephone on 0900 . please write to: telephone on 0900 . ABN AMRO Bank N. The bank may change these conditions at any time. ABN AMRO Bank N. The bank may close your Direct Kwartaal Sparen Netherlands account if no amounts are held on the savings account Tel. is established at in one of the following ways: Gustav Mahlerlaan 10. The bank will inform you in advance of any changes ABN AMRO Bank N. 1000 EA Amsterdam VAT identification number: NL 820646660B01. Further details can be found on kifid. 2509 AG The Hague f. You can find more information about complaint. The bank will transfer any accrued interest to your contra account in the first half of the following month. (€ 0. the bank can no longer execute any to the Financial Services Complaints Committee (KiFiD) at instructions relating to this savings account.: +31 (0)70 333 89 99 for a period of 12 months or if you contravene these Fax: +31 (0)70 333 89 00 conditions or the General Conditions ABN AMRO Bank N.nl/klachtenregeling or offer savings products. If you are not satisfied with the solution this Scheme on abnamro.10 per minute).nl Other provisions If you have any questions a. ▶▶ an announcement on abnamro. No interest will be paid on these amounts. is covered by the Deposit The bank will seek to identify the best solution for each Guarantee Scheme. Netherlands.V.O.024 07 12 (calls are free of charge).V. Financial Markets (Autoriteit Financiële Markten) under please let us know via: number 12020215. If amounts cannot be transferred to the contra account. b.0024. ▶▶ a written or electronic message sent to you. the following address: e. 1082 PP Amsterdam.c. If you have a complaint.V.10 per minute). ABN AMRO Bank N. Netherlands Page 2 of 2  Conditions of Personal Package Conditions of Direct Kwartaal Sparen May 2011 .V.nl/garantieregeling or by offered.0024 (€ 0.V. ABN AMRO Bank N.V. Once your Direct Kwartaal Sparen account has been The Complaints Management Department will handle your complaint. is listed in the Trade Register of Afdeling Klachtenmanagement the Amsterdam Chamber of Commerce under number P. Telephone number: 0900 .) and is If you have a complaint listed in the register of the Netherlands Authority for the The bank wants you to be satisfied.V.nl ▶▶ an announcement in three daily newspapers in wide circulation in the Netherlands. you have three months in which to submit your complaint closed. If you are not satisfied with the outcome.0024 account. Box 93257 accounts. ABN AMRO Bank N.O. d. Box 283 34334259.V. the bank will hold the amounts on one of its own P. Internet address: abnamro. ▶▶ 0800 . has a banking licence from the Dutch Central Bank (De Nederlandsche Bank N.nl. is licensed to ▶▶ abnamro.

References to the ‘customer’ and the ‘bank e. Account Statements Electronic account statements will be available within Internet Banking. b. b. You can only open and use a Vermogens Spaarrekening if you have a contra account. Deposits to your Vermogens Spaarrekening you will receive account statements on paper. statement’ here. If you do not have Internet Banking. including 30 December of that year. References in these conditions to a contra account mean a savings or payment account in euros that you hold with the bank. b. you will Conditions and Definitions receive the basic interest rate on such amounts until a. to the relationship between you and the bank. You time. You can close your Vermogens Spaarrekening at any time. foundations and year and remaining on the savings account up to and non-profit associations not constituting an enterprise. c. The maximum balance on which you will receive interest is € 1. g. d. f. You make a withdrawal by transferring an amount to your contra account. The bank will transfer any amounts remaining on the Withdrawals from your Vermogens Spaarrekening a. to mean the same as ‘you’ and the ‘account ▶▶ a written or electronic message sent to you. b. c. You make a deposit by transferring an amount in euros to your Vermogens Spaarrekening.000. You will receive a basic rate of interest on the account balance. b.V.Conditions of Vermogens Spaarrekening This is a translation of the original Dutch text. for example. You will receive the bonus interest rate on amounts and a bonus rate on the balance remaining on your savings that remain on the savings account from 31 account up to and including 30 December of any one year. In the event of any disparity between the Dutch original and this translation. your partner. apply such time as they are withdrawn. You may open one Vermogens Spaarrekening in your name and one. Who is the Vermogens Spaarrekening for? c. abnamro. The interest will be visible and available after two working days. Spaarrekening at any time.Details of current interest rates are available on can deposit and withdraw amounts at any time. You can make withdrawals from the Vermogens Vermogens Spaarrekening to your contra account. Opening your Vermogens Spaarrekening a.40. The bank will transfer any accrued interest to your contra account in the first half of the following month. Interest rates on your Vermogens Spaarrekening are What is the Vermogens Spaarrekening? variable. The bank may change these rates at any The Vermogens Spaarrekening is a savings account. Interest will be calculated on the days for which your amounts are held on the savings account. b.nl/rente or can be requested from the bank. private pension companies. Page 1 of 2  Conditions of Personal Package Conditions of Vermogens Spaarrekening May 2011 . December of one year up to and including 30 December of the next year. the Dutch text will prevail. Interest will be credited to your Vermogens Spaarrekening annually on 31 December. If any amounts are withdrawn during the year. This is free of charge. The bank will inform you in advance of any changes in interest rates in one of the following ways: statement’ in these General Conditions will be taken ▶▶ an announcement on abnamro. This is free of charge.nl/rente. Closing your Vermogens Spaarrekening a. in the names of you and h. The General Conditions ABN AMRO Bank N.000. This is free of charge. Interest on your Vermogens Spaarrekening a. You will not receive interest if the amount of interest due is less than € 0. a. You can make deposits to your Vermogens Spaarrekening at any time. You will also receive the bonus interest rate on The Vermogens Spaarrekening is intended for retail amounts transferred to the savings account during the customers.

Netherlands.0024 (€ 0. ABN AMRO Bank N. If you are not satisfied with the solution VAT identification number: NL 820646660B01.) and is wide circulation in the Netherlands.V. complaint.O. If you have a complaint ABN AMRO Bank N. If you have any questions You can contact the bank by telephone on 0900 .: +31 (0)70 333 89 99 the General Conditions ABN AMRO Bank N. Box 93257 2509 AG The Hague no amounts are held on the savings account for a period Netherlands of 12 months or if you contravene these conditions or Tel. You can find more information about The bank wants you to be satisfied. b.nl/klachtenregeling or ▶▶ 0800 .V. is covered by the Deposit Guarantee Scheme. Afdeling Klachtenmanagement P. ABN AMRO Bank N. ABN AMRO Bank N. instructions relating to this savings account. Fax: +31 (0)70 333 89 00 Other provisions Further details can be found on kifid. you have three months in which to submit your complaint e. ▶▶ abnamro.O. in one of the following ways: Internet address: abnamro.10 per minute).V.nl. The bank may close your Vermogens Spaarrekening if P. offered. please write to: ABN AMRO Bank N. The bank may change these conditions at any time. ▶▶ a written or electronic message sent to you. is established at Gustav Mahlerlaan 10.d. The bank will inform you in advance of any changes Telephone number: 0900 . f. Box 283 1000 EA Amsterdam Netherlands Page 2 of 2  Conditions of Personal Package Conditions of Vermogens Spaarrekening May 2011 . If amounts cannot be transferred to the contra to the Financial Services Complaints Committee (KiFiD) at account. No interest will be paid on these amounts. is listed in the Trade Register of the Amsterdam Chamber of Commerce under number The bank will seek to identify the best solution for each 34334259. the bank will hold the amounts on one of the following address: its own accounts. Once your Vermogens Spaarrekening has been The Complaints Management Department will handle closed. the bank can no longer execute any your complaint.0024.024 07 12 (calls are free of charge). please let us know via: telephone on 0900 . The Vermogens Spaarrekening is not a payment account.V.nl/garantieregeling or by complaint.V. ABN AMRO Bank N.0024 listed in the register of the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten) under number 12020215. is licensed to offer savings products.V. (€ 0.V.V. If you have a this Scheme on abnamro.10 per minute). If you are not satisfied with the outcome.nl ▶▶ an announcement on abnamro. 1082 PP Amsterdam.nl a. has a banking licence from the ▶▶ an announcement in three daily newspapers in Dutch Central Bank (De Nederlandsche Bank N.

ABN AMRO inform each of the Account Holders about movements Effectenbewaarbedrijf N. cards. 9. established in Amsterdam and authorised to charge to an Account the amounts that entered in the Trade Register of the Amsterdam Chamber under such agreements are for the account of the of Commerce under number 34334259 Account Holder concerned. 8. Each Account Holder is authorised to cancel an ▶▶ Account Holder: holder of an Account. such as Internet. This also applies ▶▶ Account: any joint account and/or any custody account that the Account Holders hold or will hold jointly at the Bank.V. Each Account Holder is jointly and severally liable for everything that the Bank is owed according to its books in respect of any Account for whatever reason. in respect of individual heirs of an Account Holder. will continue for the other Account Holder or Holders.V. and further liability for. such as debit and credit the Bank. Account at any time. and various means of communication. an Account. The General Conditions of ABN AMRO Bank N. The agreement applying to an ▶▶ Cancel: the legal act of an Account Holder aimed Account and therewith the right of use and the liability at ending for himself/herself the right to use of.. 2. The Account Holder who has cancelled the Account ▶▶ Close: the termination of an Account by all Account Holders. telephone or mobile phone. should be made in writing. However. An instruction from another Account Holder makes including changes of address. The Bank is authorised to enter into agreements with himself/herself to the Bank in a manner agreed with each Account Holder with regard to the use of an Account by various means. The Bank may make charges for this.V. including making withdrawals in cash or otherwise and issuing payment instructions and powers of attorney. The Bank is authorised to permit an Account Holder to have debit balances on an Account. All of this also applies if an Account closures..V. or by means of forms part of a dissolved community of property. a notification in which the Account Holder identifies 3. this applies only if it deems this necessary in order to protect its own position. The Bank is authorised not to execute instructions from an Account Holder for such period as it has not received approval from the other Account Holder or Holders.. 10. to which such information relates. Communications from an Account Holder to the Bank. cancellations or no change to this. regardless of the period Amsterdam. and ABN AMRO Global on an Account. The Bank is ABN AMRO Bank N. among other things by sending Custody N. Each Account Holder is entitled to perform legal acts with regard to an Account. In these conditions the following terms have the 7. A change of address in respect of an Account requires the consent of each Account Holder.V. In addition to providing the customary information mean­ings indicated: the Bank is at all times authorised but not obliged to ▶▶ Bank: ABN AMRO Bank N. Page 1 of 1  Conditions of Personal Package Conditions for Joint Account . 4. Each Account Holder is a several creditor in respect of an Account. will remain jointly and severally liable with the other Account Holder or Holders for amounts that the Bank is owed at the time at which the cancellation becomes effective. 6. 11. apply. all having their registered office in duplicate bank statements. 5. without notifying the other Account Holder or Holders hereof.Conditions for Joint Account 1.

Family Member on the date of relocation. Registration service issued by domestic or foreign banks. ▶▶ Financial Card: a debit card (betaalpas). i) You can enter a code. The bank is not required to account (betaalrekening) at the bank. registered partner and other people living together ▶▶ Travel documents. mobile phone and important documents. ▶▶ suspending use of your bank and other cards and blocking your mobile phone in the event of loss or theft. have been specified by you. Page 1 of 4  Conditions of Personal Package Conditions of ABN AMRO Stand-by Service January 2011 . The services end for that ▶▶ assistance if your baggage with baggage label is lost. e) Each year you receive a report from the bank in which Terms and conditions a) The relationship between you and the bank is governed by the General Conditions of ABN AMRO the bank requests you to check the registered information. is the same as ‘you’ in these conditions. give reasons for this. b) As soon as a Family Member’s address changes. registered for that Family Member. 1.Conditions of ABN AMRO Stand-by Service What is the Stand-by Service? The Stand-by Service comprises various services: What do you need to know about the Stand-by Service? ▶▶ registering the numbers of your bank cards and other a) You can register particulars of yourself and your cards. c) You can register particulars in writing. The section entitled Client Relationship bank. 2. Family Members live. shops and You can register the details of: other institutions. ▶▶ Other documents that you judge to be valuable.0701 (free of charge in the Netherlands). c) Where in these conditions the bank uses the following terms they have the meanings indicated below: ▶▶ Abroad: this refers to the entire world. contact the bank immediately. If any registered information is incorrect. Your Family Members whose particulars have been registered must also abide by these conditions. provided that they ▶▶ Mobile phones from both Dutch and foreign providers. h) If you make use of Internet Banking. ▶▶ assistance in the event of loss or theft of your bank card or other cards and travel documents. The bank can also send you messages electronically. ▶▶ Identity Card: passport. Who is the Stand-by Service for? d) In certain cases the bank may refuse or terminate It is a service for private individuals who have a current registration of particulars. with the exception of the country in which you and your g) If you hold Financial Cards from the bank. If you have entered a code. ▶▶ Family Members: your husband.V.V. driver’s licence or European Identity Card. fuel card. wife or ▶▶ Identity Cards. If you are not in the Netherlands. Service in the case of loss or theft of registered Financial Cards a) You can report the loss or theft of Financial Cards by phone on number 0800 . you must report this to the bank. b) The ‘client’ in the General Conditions of ABN AMRO Bank N. ▶▶ Financial Cards. credit What services does the bank offer? card. you can record your particulars electronically. Family Members. chip card or (customer) card. the bank may ask you for this when you call. ▶▶ Travel documents: compulsory travel documents such as a visa or passport. The bank ▶▶ return of your lost keys received by the bank. with you in a family relationship. f) After each change you receive a confirmation from the Bank N. please Conditions explains a number of terms. will then destroy the particulars which you had ▶▶ sending a reminder that your Identity Card will shortly expire. by phone or via Internet Banking. the bank can enter them and keep them up-to-date.

e) You will receive confirmation of which Financial Cards have been suspended.cal +31 (0)20 651 59 27. d) If an issuer of a Financial Card will not suspend the card. that The maximum amount per event is € 115. internet and fax costs incurred in order to contact the bank are reimbursed in full. The bank sends the temporary credit card to the 4. ▶▶ necessary costs that arise because the local official exists only if the incident has been reported to the bodies cause delay during the journey. The assistance Abroad in the event of loss or theft of j) If the holder of the Financial Card has fulfilled his/her Financial Cards and/or Travel documents consists of: obligations. Blocking mobile phone The bank will pay the (total) amount of the a) You can phone 0800 . f) The bank replaces the bank’s Financial Cards without charge. c) The bank requests the issuers of other Financial Cards to suspend those cards. b) The bank then suspends use of the bank’s Financial Cards immediately. 3. call +31 (0)20 651 Page 2 of 4  Conditions of Personal Package Conditions of ABN AMRO Stand-by Service January 2011 . The maximum bank within fourteen days of the loss or theft or amount per event is € 230. k) The electronic credit balance on a Financial Card (such as the chipknip electronic wallet) is not reimbursed.0701 (free of charge in the reimbursement into your current account. For example costs of passport photos amount for which the card­holder is liable is € 160 per and administrative charges. the bank will advise you of this. What assistance does the bank provide? a new Financial Card himself/herself. The owner of the mobile phone must then himself/herself arrange for the mobile phone to be blocked. Reimbursement of: requests the opinion of the issuer of the Financial ▶▶ the necessary costs of obtaining replacement Travel Card on this. You must check this confirmation immediately. the bank will inform you of this. g) If a credit card from the bank has been stolen or lost Abroad. In the latter case you may also call collect. ▶▶ you have observed the normal caution in order to prevent loss or theft. the bank will notify you accordingly. period applies. If you are not in the Netherlands.000. address at which the customer is staying Abroad. discovery thereof. request. The bank A. The right to reimbursement event is € 115. the bank reimburses the amount for which the cardholder is liable (eigen risico). i) If a Financial Card issuer does not accept the bank’s within one year. agreed with the issuer of the Financial Card. h) The bank requests the issuers of other Financial Cards To qualify for reimbursement of costs you must also: to create a new Financial Card. Entitlement to assistance You are entitled to assistance Abroad in the case of loss or theft of Financial Cards and/or Travel documents if: ▶▶ you contact the bank directly by phone. ▶▶ phone. ▶▶ you do everything to avoid and/or limit loss or damage. NB: You cannot arrange for a mobile phone with a prepaid SIM card to be blocked. The maximum amount per Financial Card. The holder of the Financial Card must then request II. d) If a provider is not willing to block the mobile phone. The holder of the Financial Card must then arrange for this card to be suspended themselves. b) The bank asks the provider to block the mobile phone. The bank will do so if the remaining stay Abroad is longer than four days after your notification. Assistance Abroad I. internet and fax costs. ▶▶ If the bank finds that you are not entitled to reimbursement. You must check this confirmation immediately. 59 27 In the latter case you may also call collect. the bank will inform you accordingly. the bank will send a temporary credit card at no charge. Netherlands) to report loss or theft of a mobile phone. The maximum amount per event is never more than € 1. ▶▶ send to the bank the original bills and/or other documents that are related to the costs incurred. The maximum reimbursement of the documents. If a different period has been ▶▶ the necessary phone. c) You will receive a confirmation of the blocking. those charges are for the account of the holder of the Financial Card. If the issuers make ▶▶ submit the application for reimbursement of costs charges for this.

▶▶ 0800 . You can find the current charges at abnamro. You can request additional key 1000 EA Amsterdam fobs. your complaint. If you are not satisfied with the result. via: Abroad. The bank deducts the (total) amount immediately from your current account. You can request The bank will inform you of this in good time. There is a charge for the extra key fobs.O. Service the bank destroys the recorded particulars.V.: +31 (0)70 333 89 99 Fax: +31 (0)70 333 89 00 Further details can be found on kifid. After termination of the Stand-by ▶▶ to Family Members and/or doctor (GP) for example. you it will send the keys to you as quickly as possible. embassies. or bank will then indicate what action you can take. The Complaints Management department will deal with b) If you lose your keys and the bank receives them. Where necessary the bank will offer interpreting services. ▶▶ obtaining replacement Travel documents. it will contact you. Assistance if your baggage with baggage label is lost Other provisions a) You receive one baggage label. Box 93257 2509 AG The Hague Netherlands Tel.nl/standbyservice. the bank will ensure that you: When does the Stand-by Service end? ▶▶ can have access to a maximum of € 1. If you have a b) If your baggage with baggage label goes missing complaint.nl/standbyservice. the bank will send you a reminder not later than two months in advance. have three months in which you may submit your complaint c) The bank pays the cost for sending the keys by registered mail within the Netherlands.024 07 12 (no charge within the Netherlands). extra baggage labels. The bank will send you a D. The bank wants you to be satisfied. consulates and other official bodies. ▶▶ can have access to money in order to replace Travel documents. This will a) You can cancel the Stand-by Service at any time. the Stand-by Service will finish at the end of the following month. You can find the current charges Do you have a complaint? at abnamro. you can call the bank for information. Making money available Where possible. the bank The bank will try to find the best solution for every will arrange for the baggage to be sent to the address complaint. 5. b) If the bank receives your cancellation later than 15 calendar days before the end of a month. The ▶▶ abnamro. Reminder service ▶▶ contacting the health insurance company.B. You pay a charge for the extra baggage labels. Afdeling Klachtenmanagement 6.nl Page 3 of 4  Conditions of Personal Package Conditions of ABN AMRO Stand-by Service January 2011 . b) The bank is not liable for loss or harm if you do not receive the reminder or receive it too late. The bank may change these conditions at any time. c) The bank may also cancel the Stand-by Service with two months’ notice. If you wish. to the Dutch Financial Services Complaints Institute (Klachteninstituut Financiële Dienstverlening – Kifid): P. Passing on urgent messages: message about this. c) If the bank receives a report that your baggage has been found. bank offers you. enable you to cover the initial costs in the event of loss or theft of Financial Cards. ABN AMRO Bank N. let us know about this. Key return service Postbus 283 a) You receive a key fob. please send a letter to: d) The costs of sending the baggage are for your account.000. Family Members cannot cancel.nl/klachtenregeling. If you do not agree with the solution that the you have indicated. C.contacting a) If you have indicated when your Identity Card expires. Assistance with: 7.

) and as such is included in the register of the Dutch Financial Markets Authority (Autoriteit Financiële Markten – AFM). holds a banking licence from the Dutch Central Bank (de Nederlandsche Bank N.V. established at Gustav Mahlerlaan 10. The deposit guarantee system applies to ABN AMRO Bank N. Page 4 of 4  Conditions of Personal Package Conditions of ABN AMRO Stand-by Service January 2011 . 1082 PP Amsterdam.V. VAT identification number NL820646660B01. ABN AMRO Bank N.V.V. 34334259. Amsterdam Chamber of Commerce Trade Register no.9797 (local rate within the Netherlands) ABN AMRO Bank N..Any further questions? You can reach the bank by phone at 0900 .

nl .0024 (€ 0.10 per minute) abnamro.0900 .