Alternative methods of repayment - Special Billing Plan (Program splátek)

Under the conditions listed below, the Client may request the Bank to include the Card Transactions that fulfil certain criteria into some of the Special Billing Plans as described below in paragraphs 6.2.1 to 6.2.6, which allow to reimburse the Claims from the Card arising from the Card transactions included in the Special Billing Plan in the form of regular monthly repayments.

If required by the Bank‘s Duty to Proceed Prudently, the Bank may reject the Client’s request for inclusion of the Card Transactions in the Special Billing Plan, which shall be communicated to the Client via CitiPhone, Citibank Online or in another manner permitted by the Bank. The Client will be informed about the inclusion of the Card Transactions into the Special Billing Plan through the Card Account Statement or through another appropriate means, and upon his/her request also through the CitiPhone service.

The request under this article shall be lodged by the Client through the CitiPhone, Citibank Online or through a third party authorised by the Bank, specifying the following items:

(a) the selected Card Transaction to be included in the Special Billing Plan and/or criteria for including the future Card Transactions in the Special Billing Plan, and

(b) required number of monthly repayments.

The Bank is entitled to reject the number of monthly repayments required by Client and to agree with the Client on another number of the monthly repayments. The Bank may approve the inclusion of the Card Transaction in the required type of Special Billing Plan

even at an amount lower than the minimum amount permissible for the type of the plan as described below.

The Special Billing Plan Account may only keep track of one Special Billing Plan of the

“Extra Cash on Phone” type or one Special Billing Plan of the “Consolidation with the Citi Credit Card” type. Number of Special Billing Plans of other types is not limited.

6.2.1. Equal Billing Plan (Nákup na splátky)

Upon the Client’s request, the Payment for Goods and Services can be included into the Special Billing Plan – Equal Billing Plan. The Client may request the inclusion of such transactions anytime from the date the Card Transaction is charged to the Card Account to the Due Date indicated in the Card Account Statement which contains the relevant Card Transaction. A Card Transaction contained in the latest Card Account Statement cannot be included in the Special Billing Plan – Equal Billing Plan in case that the Current Balance after such inclusion would be lower than the Minimum Amount Due specified in the latest Card Account Statement.

The minimum amount of the Card Transaction that may be included in this type of the Special Payment Plan is CZK 2,000 or equivalent amount in foreign currency. Number of monthly repayments may be 12, 18, 24 or 36 months.

6.2.2. Automatic Equal Billing Plan (Automatický nákup na splátky)

Upon the Client’s request, the Special Billing Plan – Automatic Equal Billing Plan may automatically include all Payments for Goods and Services and Cash Withdrawals fulfilling the criteria agreed between the Client and the Bank. In his/her instruction to include the Card Transactions into this type of Special Billing Plan, the Client shall primarily indicate the minimum amount of the Card Transaction and the required number of monthly repayments. The Bank shall notify the Client in an appropriate manner about the date from which the required Card Transactions will be included in this plan.

The minimum amount of the Card Transaction that may be included in this type of the Special Billing Plan is CZK 2,000 or equivalent amount in foreign currency. Number of monthly repayments may be 12, 18, 24 or 36 months.

The Client may at any time revoke the inclusion of the Card Transactions in this type of Special Billing Plan. The Bank shall notify the Client in an appropriate manner without undue delay about the date from which the required Card Transactions will no longer be included in this type of the Special Billing Plan.

The Card Transactions included in this type of the Special Billing Plan before the cancellation will remain included in this type of the Special Billing Plan.

6.2.3. Cash on Phone (Hotovost na zavolanou)

Upon the Client’s request, the Special Billing Plan – Cash on Phone may include the Wire Transfer debited from the Special Billing Plan Account. The application for such inclusion must be lodged by the Client at the latest together with the instruction for the Wire Transfer.

The amount of such a Card Transaction must be at least CZK 5,000 and the repayments can be spread over to 12, 18, 24, 36, 48 or 60 months.

PRODUCT CONDITIONS FOR CITI CREDIT CARDS 78

6.2.4. Extra Cash on Phone (Extra hotovost na zavolanou)

Upon the Client‘s request, the Special Billing Plan – Extra Cash on Phone may include the Wire Transfer debited from the Special Billing Plan Account using the Special limit. The request for approval of the Special Limit must be lodged by the Client along with the relevant instruction for Wire Transfer and request for inclusion of the Card Transaction in this type of Special Billing Plan.

The amount of such a Card Transaction must be at least CZK 20,000 and the repayments can be spread over to 12, 24, 36, 48 or 60 months.

6.2.5. Consolidation with the Citi Credit Card (Konsolidace se Citi kreditní kartou) Upon the Client’s request, the Special Billing Plan – Consolidation with the Citi

Credit Card may include the Wire Transfer debited from the Special Billing Plan Account using the Special Limit for the purpose of settling the loan with another financial institution or termination of the credit relationship with such an institution. The request for approval of the Special Limit must be lodged by the Client along with the relevant instruction for Wire Transfer and request for inclusion of the Card Transaction in this type of Special Billing Plan.

The amount of such a Card Transaction must be at least CZK 50,000 and the repayments can be spread over to 12, 24, 36, 48 or 60 months.

6.2.6 Balance Conversion (Zůstatek na splátky)

Upon the Client’s request, the Special Billing Plan – Balance Conversion can include all currently unpaid Card Transactions, and the Special Billing Plan shall be divided into parts A and B as follows

(i) the Balance Conversion A plan shall include the total amount of Payments for Goods and Services, and:

(ii) the Balance Conversion B plan shall include the total amount of Cash Withdrawals and Wire Transfers debited from the Card Account,

with the amounts being equal to the currently unpaid principal of the transactions as of the date of the request for inclusion in these Special Billing Plans.

The minimum owed amount that can be included in each of the aforementioned types of this Special Billing Plan is CZK 2,000 or its equivalent in a foreign currency. The number of monthly payments can be 12, 18, 24, or 36 months.

6.2.7. Replacement of the Special Billing Plan (Nahrazení Programu splátek) If the Client requests that the Card Transaction be included in the Special

Billing Plans – Cash on Phone, Extra Cash on Phone or Consolidation with the Citi Credit Card („New Plan“) in a situation where the Special Billing Plan Account holds other Claim from the Card arisen from the Card Transaction that has been originally included into the Special Billing Plans of the same type (“Original Plan”), the Client may request that outstanding amount of the Card Transaction, included in the Original Plan, be amortized by the Card Transaction included in the New Plan and the remaining amount of the Card Transaction be transferred to the Account designated by the Client as per paragraph 3.3.1(c).