WirecardDepositAccountandDebitCardCustomerAgreementThesetermsandconditionsapplytoyouruseoftheWirecardAccountandtheWirecardCardwithintheDenizenService.PleasenotethattheWirecardCardwillonlybeprovidedtoyou,ifyouarearesidentoftheEuropeanUnionasspecifiedinsection1.1.Pleasereadthesetermsandconditionscarefullyandkeepacopyforyourrecords.YoucanaskusthroughDenizenCustomerSupportatanytimeforacopyoryoucanobtainacopythroughtheDenizenCustomerSupport.

PleaseseeattheendofthisdocumentalsoourPrivacyNoticewhichyoushouldalsoreadcarefully.

InthisAgreementthefollowingdefinitionsareused:"Agreement"meansthesetermsandconditionsandincludestheUsageRestrictionsassetoutintheAnnex.ThePrivacyNoticealsoappliestotherelationshipbetweenus,butdoesnotformpartoftheAgreement;

“Authentication”:aprocedurewhichallowsWirecardtoverifyyouridentityorthevalidityoftheuseoftheWirecardCard,includingtheuseoftheCardholder’spersonalisedsecuritycredentials.

“Authenticationelements”meansknowledgeelement(somethingonlytheuserknows,e.g.password),possessionelement(somethingonlytheuserpossesses,e.g.mobiledevice)orinherenceelement(somethingtheuseris,e.g.fingerprint);

"Balance"meansthemoneyavailableinyourWirecardAccount;

"BusinessDay"meansanyday(otherthanaSaturdayorSunday),until7p.m.,onwhichbanksinMadrid,Spainareopenfornormalbankingbusiness;

"ContactMethods"meansthemethodsbywhichyoumaycontactusthroughDenizenCustomerSupport:

ServiceEmail:support@denizen.ioServiceHotline:+1(855)220-0472intheUSA,+34911237224inSpain

Thisisthephonenumberyoucallforallqueries,actionsandcomplaintsregardingyourWirecardAccountorWirecardCard.ItisavailableonanyBusinessDayfrom9:00to15:00(Germantime).CallsintheUSAwillbefreeofanyadditionalchargesbutyourtelephonecompany’snetworkaccessmaychargeyou.

IfyouareworriedaboutthesecurityofyourWirecardAccountorWirecardCard,youwillneedtofollowtheinstructionsinsection10;

"Denizen"means,forthepurposeofthisAgreement,DenizenGlobalFinancial,S.A.U.,acompanyregisteredinSpain,withcompanynumberA83439893andregisteredaddressatPlazaSantaBárbara1,28004,Madrid,Spain;

"DenizenApp"meansthemobilephoneapplicationofferedbyDenizenandDenizenFinancialInc.,acompanyregisteredinDelaware,withTaxID82-0634718,givingaccesstotheDenizenService;

"DenizenService"meanstheserviceprovidedtoyoubyDenizenandDenizenFinancialInc.,includingtheDenizenAppassetoutinthe"UserAgreementfortheDenizenService",acopyofwhichcanbefoundthroughyourDenizenApp;

“DenizenUnderlyingAccount”meansthebankaccountsthatyoumayopenthroughtheDenizenServiceindifferentjurisdictionsanddifferentcurrencies,otherthanyourWirecardAccount,providedthatyouareeligibletoopenthem,andwhicharelinkedtoyourDenizenApp.

“EEA”meanstheEuropeanEconomicAreawhichatthetimethisAgreementisconcludedconsistsofallmemberstatesoftheEuropeanUnion,Iceland,Liechtenstein,andNorway.

“Merchant”meansanybusinessorpersonacceptingMastercardasapaymentmethod;

"P2PTransaction"meansatransactioninvolvingthetransferof

fundsbetweenyourWirecardAccountandtheWirecardAccountofanotheruser,whereyouareeitherinitiatingtheP2PTransactionandpayingfundsoutofyourWirecardAccount,oryouarethebeneficiaryoftheP2PTransactionandreceivingfundsintoyourWirecardAccount;

"PrivacyNotice"meansWirecard’sprivacynoticewhich,togetherwiththisAgreement,describesthebasisuponwhichanypersonaldatawecollectfromyou,orthatyouprovidetous,willbeprocessed,handledandsharedbyus,asmaybeamendedfromtimetotimeinaccordancewithitstermsandasfurtherexplainedanddefinedinsection17ofthisAgreement;

"RedemptionRequest"meansarequestfromyoutoredeemyourBalanceinaccordancewithsection13ofthisAgreement;

"Transaction"meansanytransactionwhichcanbeexecutedfromyourWirecardAccountorbyusingyourWirecardCard;

"UsageRestrictions"meanstheusagerestrictionsapplicabletoyourWirecardAccountandWirecardCardfromtimetotimewhichformpartofthisAgreement.TheUsageRestrictionsapplyingatanytimecanbefoundthroughyourDenizenApp;

"User","you"or"your"meansthepersonwhoisidentifiedashavingappliedforandopenedtheWirecardAccountuponregistrationwiththeDenizenServicethroughprovisionofyourfullname,dateandplaceofbirth,residentialaddress,nationality,e-mailaddressandtaxidentificationandpassportnumber;

"Wirecard","we","us"or"our"meansWirecardBankAG,acompanyregisteredinGermanywithcompanynumberHRB161178withAmtsgerichtMünchenandauthorizedbytheFederalFinancialSupervisoryAuthority(BaFin).Wirecard'sregisteredofficeisatEinsteinring35,85609Aschheim,GermanyandregisteredwiththeBankofSpain(BancodeEspaña)asacreditentitywhichprovidesservicesinSpainwithoutpermanentestablishmentundersection39ofDirective2013/36/EUoftheEuropeanParliamentandoftheCouncilof26June2013onaccesstotheactivityofcreditinstitutionsandtheprudentialsupervisionofcreditinstitutionsandinvestmentfirms,amendingDirective2002/87/ECandrepealingDirectives2006/48/ECand2006/49/EC;

"WirecardAccount"meansanaccountdenominatedinEuro,openedthroughtheDenizenServiceandcreatedbyWirecardin

yournamewhichaccountislinkedtoyourDenizenApp,andtowhichaccountyourWirecardCard,ifprovided,islinked;and

“WirecardCard”meansthedebitMastercardwhichisissuedtoyoubyWirecardandwhich,ifprovided,islinkedtoyourWirecardAccount,aspartoftheDenizenService.

ApplyingforyourWirecardAccountandWirecardCardToapplyforyourWirecardAccountandyourWirecardCard,youmustbeatleast18yearsoldandhavesuccessfullyappliedfortheDenizenService,includinghavingdownloadedtheDenizenApp.Additionally,toapplyforyourWirecardCardyoumustbearesidentoftheEuropeanUnion.Duringtheapplicationprocess,youwillbeaskedto:

agreethatDenizenand/orDenizenFinancialInc.mayprovideuswithyourpersonaldetails(includingyourfullname,dateandplaceofbirth,residentialaddress,nationality,e-mailaddressandtaxidentificationandpassportnumber)sothatwemayverifyyouridentity;and

readandacceptthesetermsandconditions.

Ifyoudonotcompleteeitherofthestepssetoutin(a)to(b)above,youcannotcompletetheWirecardAccountandWirecardCardapplicationprocess.

WereservetherighttorefuseyourapplicationfortheWirecardAccountand/ortheWirecardCard.Reasonsforrefusingyourapplicationmightbeinteralia–withoutlimitingourrightsforrefusal–regulatory,AntiRiskorAntiMoneyLaunderinglimitations.Wedonotassumetheobligationtoinformyouabouttheparticularreasonsforrefusingifwerefuseyourapplication.

WhenenteringintothisAgreement,youconsentthat

Wirecard,actingdirectlyorthroughDenizenorDenizenFinancialInc.,maycollectallyourpersonaldetails,documentsandevidenceasrequiredtofullyidentifyyouaswellastorunalltheapplicableAntiMoneyLaunderingchecksinaccordancewiththeDirective(EU)2015/849oftheEuropeanParliamentandoftheCouncilof20May2015onthepreventionoftheuseofthefinancialsystemforthepurposesofmoneylaunderingorterroristfinancing,andanyotherapplicableinternationalandlocalregulationsinforcefromtimetotimeduringthetermofthisAgreement.

YouwillbeinformedthroughtheDenizenAppwhenyourWirecardAccounthasbeensuccessfullyopenedandisreadytouse.ThisalsoappliesincaseofasuccessfulapplicationfortheWirecardCard.

If,withinfourteen(14)calendardaysafterthenotificationprovidedintheprevioussubsection1.4,youwouldliketocanceltheDenizenService(whichimpliescancellationofyourWirecardCardandyourWirecardaccount),youmustnotifyusthroughtheContactMethodswithnoneedtoexplainthereasonswhyyouwishtocanceltheDenizenService.Shouldyouexercisethisrightofwithdrawalwewillnotchargeyouforthecancellation.IfyourWirecardAccountisincredit,wewillreturnyouthemoneybymeansofwire-transferlessthetransferapplicablefees,assoonaswearepermittedtodoso(andnormallywithinfive(5)BusinessDaysafteryouhavecontactedusinrelationtoyourterminationofthisAgreement).

However,therightofwithdrawalprovidedheretoshallnotapplywhereanycurrencyconversionorexecutionofapaymentorderhastakenplaceuponyourinstructionsunderthisAgreement.

ConsentsgrantedtoWirecardintherenderingoftheDenizenServiceByacceptingthisAgreement,andsubjecttothetermsstatedhereinandintheUserAgreementfortheDenizenService:

1. YougrantusconsentandauthorizationtoprovidetoDenizenandDenizenFinancial,Inc.,eveninrealtime,informationrelatedtoyourWirecardAccount,includinganyupdatedBalancefromtimetotime,aswellasinformationonanychange,update,payment,top-up,transfer,refundoranyothertransactionrelatedtoyourWirecardAccount,totheextentnecessarytotheadequateperformanceoftheDenizenService.Thecommunicationofthereferredinformationshallbemadebyusinasecuremanner,incompliancewiththeminimumstandardsenvisagedundertheapplicablelaw.

2. IncaseyouorderDenizenorDenizenFinancialInc.toinitiateapaymentfromtheWirecardAccounttoanyotheraccount,yougrantusconsentandauthorizationtoacceptthepaymentinitiationservicecarriedoutbyDenizenonyourbehalfinordertorealizetherequestedpaymentandtocarryoutthepaymentinitiatedthroughthisprocess,totheextentnecessarytotheadequateperformanceoftheDenizenServicepayment.ForthispurposesweshallcommunicatesecurelywithDenizenandDenizenFinancialInc.,incompliancewiththeminimumstandardsenvisagedundertheapplicablelaw.

3. Furthertotheabove,youadditionallygrantusconsentandauthorizationtoprovidetoDenizenandDenizenFinancialInc.yourinformationorpersonaldata(forexample,inordertoidentifyanytransactionrelatedtoyourWirecardAccount),totheextentnecessarytotheadequateperformanceoftheDenizenService,asdescribedinthisAgreement.

WirecardCardSubjecttosection1,wewillissuetoyouaMastercarddebitcardundertheWirecardlicense.YoumayusetheWirecardCardsubjecttothetermsandconditionsprovidedhereunder.

WirecardAccountWewillopenabankaccountinyournameatWirecarddenominatedinEuroandprovideyouwiththerelevantGermanIBANandthecorrespondentBIC.

ThepurposeoftheWirecardAccountistooperatetheDenizenService.ThereforeyouwillnotearnanyinterestonyourBalance.YoumaycreditanddebittheWirecardAccountasprovidedhereunder.

LoadingyourWirecardAccountSubjecttothesatisfactorycompletionofanyrequiredidentityandotherchecks,youcanloadyourWirecardAccountasdescribedinthissection.

TheBalanceonyourWirecardAccountcannotexceedanylimitsspecifiedintheUsageRestrictions.

DetailedinstructionsonhowtoloadyourWirecardAccountaresetoutintheDenizenApp.YoumayloadyourWirecardAccountby:

makingapaymentfromabankaccountusingtheIBANdisplayedintheDenizenApp,or

makingapaymentfromadebitorcreditcardasenabledintheDenizenApp,or

makingapaymentthroughDenizenServicefromyourDenizenUnderlyingAccountintheDenizenApp.

FundsloadedinthiswaywillbecreditedtoyourWirecardAccountwithoutdelayafterthereceiptoffundsbyus.

FundsmayalsobeloadedintoyourWirecardAccountifyouarethebeneficiaryofaP2P

Transaction.FundspaidtoyouthroughaP2PTransactionwillbecreditedtoyourWirecardAccountimmediately.

Wereservetherighttorefusetoacceptanyparticularloadtransactionortodisableanyparticularloadingmethodwithoutnoticeintheinterestsofpreventingfraud,moneylaunderingoranyothercriminalactivity.Ifso,wewillmakeallreasonableendeavorstopromptlyinformyouinthisregard.

TransactionswithyourWirecardAccountandWirecardCardWirecardshallmeetitsobligationsarisingfromthisAgreementbyenteringthecreditsanddebits(e.g.frombanktransfers,directdebits,paymentsinandout,withdrawalsusingtheWirecardCard)intheWirecardAccountadministeredasarunningaccountandbyissuingaperiodicbalancestatementfortheWirecardAccountasoftheendofacalendarquarter.

Inadditiontotheperiodicbalancestatements,youshall,onceeverymonth,receiveforyourWirecardAccountanotification(statementofaccount)concerningthetransactions,ifany,conductedontheWirecardAccount.Issuanceofperiodicbalancestatementsandnotificationofthetransactionsconductedshallbebroughtaboutbypostingtheperiodicbalancestatementsandthestatementsofaccountinpaperformtoyourpostaladdressand,whentechnicallyavailable,throughtheDenizenApp.

InthecaseofatransferbetweenWirecardaccounts,thetransfershallbedeemedperformedoncethebeneficiary'sbankaccounthasbeencredited,the

remitter'sidentitydetailsandauthenticationelementsasagreedwithWirecardhavebeenprovidedandthepaymenthavebeenreceived.TheUsermayonlycommissionWirecardtoexecuteSEPAtransfers.ThroughaSEPAtransfer,monetaryamountsinEurocanbetransferredelectronicallytothepaymentserviceproviderofthepayeewithintheSEPAregioninfavorofapayee.Theexecutionofothertypesoftransfers(e.g.foreigntransfersincurrenciesotherthanEuro)iscurrentlynotpossible.Expresstransfersarecurrentlynotpossible.

InorderforyoutobedeemedtohavegivenyourconsenttotheSEPAtransfersordered,youwillneedtopresentallthenecessaryelementsforcustomer’sauthentication(enhancedornotasapplicable).Inparticular,youwillneedtoregisterintheDenizenAppusingyourpersonalisedsecuritycredentialsandintroduceyourPINcodeorfingerprintscannertomakethespecifictransfer.WhenorderingSEPAtransferstotrustedbeneficiariesincludedinalistpreviouslycreatedbyyou,itmaynotbenecessarytoenterthePINcodeorfingerprintscanner.Wheninitiatingallsubsequentpaymenttransactionsincludedintheseriesofpaymenttransactionscreatedbyyou,itmaynotbenecessarytoenterthePINcodeorfingerprintscanner.WhereyouinitiateaSEPAtransferbetweenbankaccountsheldbyyouinWirecard,itmaynotbenecessarytoenterthePINcodeorfingerprintscanner.

TheWirecardCardmaybeusedformakingcashlesspaymentsandmakingwithdrawalsatATMs.Eachtransactionmustbeauthorisedbyyou.Wirecardwilltreatthetransactionsatthepointofsaleasauthorisedbyyouif:

yourWirecardCardistappedagainstaContactless-enabledreaderandacceptedbysuchreaderorbysigningasalesvoucher;yourWirecardCardPINorothersecuritycodepersonaltoyouisused.

WhenusingyourWirecardCardatpointofsaleterminals,itispossibletodispensewithenteringthePINforpaymentoftrafficfeesorparkingfeesatunattendedpointofsaleterminals.

Forsmallamounts,itmaynotbenecessarytoenteraPINorsignareceipt.

Inthecaseofe-commercetransactions,Wirecardwilltreatthetransactionsasauthorisedbyyouifyouusetheseparatelyagreedauthenticationelementsonrequest.Authenticationelementsare

-knowledgeelements(somethingyouknow,e.g.onlinepassword),

-possessionelements(somethingyouown,e.g.mobileterminalequipmentforgeneratingorreceivingone-timetransactionnumbers(TANs)aspossessionelement)or

-inherenceelements(somethingyouare,e.g.fingerprint).

Inorderforyoutobedeemedtohavegivenyourconsentassetoutintheforegoingpoints,youwillneedtopresentallthenecessaryelementsforcustomer’sauthentication(enhancedornotasapplicable):

inon-sitepayments:bypresentingtheWirecardCreditCardandenteringthePINcodeorsigningareceipt,whereapplicable,orinpaymentswithoutphysicalpresence:alternatively,byenteringtheWirecardCreditCarddetailsandtheOneTimePasswordSMS;byenteringtheWirecardCreditCarddetailstogetherwithaPINnumberpreviouslyestablishedbyyou;orbyenteringtheWirecardCreditCarddetailstogetherwithafingerprintscanningdependingontheauthenticationmethodagreedwithWirecard.

WewilldeductthevalueofyourTransactionsfromtheBalanceonyourWirecardAccount.

Subjecttotheremainderofthissubsection6.6,youcanwithdraworrevokeyourauthorizationforaTransactionatanytimebyusingoneoftheContact

Methodsuntilwehavereceivedyourauthorization.YourauthorizationforaTransactionmaynotbewithdrawn(orrevoked)byyouonceitisreceivedbyus.Wewilltypicallyreceiveyourauthorizationfor:

P2PTransactionsandSEPAtransfersatthetimewereceivetheinstructionmadethroughtheDenizenApp.Thiswillbealmostinstantaneousanditisunlikelyyouwillbeabletowithdrawyourauthorizationforthetransactionbeforethistime.

RedemptionRequests,atthetimewereceivetherequestfromyouinaccordancewithsection13.2ofthisAgreement.

WirecardCardtransactions,whenWirecardreceivesthepaymentorderfromtheMerchant’spaymentservicesprovider.

Youraccountshallnotbedebitedbeforewereceivethepaymentorder.

IfthetimeofreceiptisnotonaBusinessDay,thepaymentordershallbedeemedtohavebeenreceivedonthefollowingBusinessDay.

Subjecttosection7ofthisAgreement,whereaSEPAtransferoraloadTransaction:

istobemadeinEurowhollywithintheEEAornationallyinthecurrencyofaMemberStateoutsidetheeuroareawewillensurethatthepaymentiscreditedtoyourWirecardAccountbytheendoftheBusinessDayfollowingthepaymentinitiation;

istobemadewhollywithintheEEAbutinanothercurrencythanEuro,wewillensurethatthepaymentiscreditedtoyourWirecardAccountbytheendofthefourthBusinessDayfollowingthepaymentinitiation.

WhenpayingwithyourWirecardCard,thepaymentorderisdeemedtobereceivedbyusonthenext

BusinessDay,ifthedateonwhichthepaymentismadeisnotaBusinessDay,orifwereceiveapaymentorderafter4p.m.onaBusinessDay.Afterwehavereceivedyourpaymentorder,wewillensurethatthepayee’spaymentserviceproviderreceivestheamountwithinone(1)BusinessDayforpaymentprocesseswithintheEEAinEurooranotherEEAcurrency.WewillcompletepaymentprocessesoutsidetheEEAandpaymentprocessesincurrenciesotherthantheEurooranEEAcurrencyassoonaspossibleafterreceiptofthepaymentorder.

RestrictingAccessand/orRefusingTransactionsFromYourWirecardAccountorWirecardCardWemay,atanytime,suspendorrestrictaccesstoyourWirecardAccountortoblockyourWirecardCardforreasonsrelatingtothefollowing:

weareconcernedaboutthesecurityofyourWirecardAccountorWirecardCard;or

wesuspectyourWirecardAccountorWirecardCardisbeingusedinanunauthorized,illegalorfraudulentmanner;or

weneedtodosotocomplywiththelawofanyjurisdiction;or

ifthecontractbetweenyouandus(oryourcontractfortheDenizenService)hasbeenterminatedasfurtherdescribedinsection16.

Unlessinformingyouwouldcompromisereasonablesecuritymeasuresorotherwisebeunlawful,wherepracticalwewillinformyoubyphoneoremail,givingourreasons,beforesuspendingorrestrictingaccess

toyourWirecardAccountorWirecardCard.Ifitisnotpracticaltoinformyouinadvanceandunlessdoingsowouldcompromisereasonablesecuritymeasuresorotherwisebeunlawful,wewillinformyouimmediatelyafterwards,givingourreasons.

WewillallowyoutorecoveraccesstoyourWirecardAccountorunblockyourWirecardCard,replacingitwithanewWirecardCardwhereapplicable,assoonasreasonablypracticalafterthereasonsforsuspendinguseceasetoexistandwillinformyoubyphoneoremailatthistime.

Theforegoingiswithoutprejudicetoyourrighttorequesttheunblockinginsuchcircumstances.Theunblockingofthepaymentinstrumentoritsreplacementbyanewoneshallbecarriedoutatnocosttoyouwhereyouarenotresponsibleforthereasonsdeterminingtheapplicationoftherestrictions.

WemayrefusetocarryoutaTransactionif:

asaresultofsuchTransactiononeormoreofthelimitssetoutintheUsageRestrictionswillbeexceeded;or

theBalanceinyourWirecardAccountorthebalanceavailablethroughtheDenizenServiceatthetimeofaTransactionisinsufficienttocovertheamountoftheTransaction;or

wereasonablybelievethatyouareactinginbreachofthisAgreement;or

wereasonablybelievethataTransactionispotentiallysuspiciousorillegal;or

weareunabletocarryouttheTransactionduetoerrors,failures(whethermechanicalorotherwise)orrefusalscausedbypaymentprocessorsorotherthirdpartieswhoare

processingTransactions.

IfwerefusetocarryoutaTransaction,unlessinformingyouwouldcompromisereasonablesecuritymeasuresorbeotherwiseunlawful,wewillinformyouattheearliestopportunityandinanyeventbytheendoftheBusinessDayfollowingthedaywehavereceivedtheTransactionrequest.WewillalsoinformyouwithanerrormessageintheDenizenApp.YoucancontactususinganyoftheContactMethodstoaskforourreasonsforrefusingtocarryoutaspecificTransactionandforanexplanationofhowyoucancorrectanyinformationweholdthatledtoourrefusaltoapproveaTransaction.

YoumaycorrectanyinformationweholdandwhichmayhavecausedustorefuseaTransactionbycontactingusviaanyContactMethod.

PropertyandValidityoftheWirecardCardTheWirecardCardremainsourproperty.Itisnottransferableanditisvaliduntiltheexpirationdateprintedonthecard.Wewillsendyouanewcardingoodtimebeforetheexpirationdate.

However,whenanewWirecardCardisissuednolaterthantheexpirationdateofthecard’svalidityperiod,Wirecardhastherighttorequestthattheoldcardbereturnedtoit.IfauthorizationtousetheWirecardCardendsbeforethisdate(e.g.becausethecardagreementisended),youmustimmediatelyreturnyourWirecardCardtous.

WirecardreservestherighttoreplacetheWirecardCardwithanewcardduringthevalidityperiodofthecard;youwillnotincuranycostasaresultofthis.

YoumaycancelyourWirecardCardbynotifyingandreturningittous.UponWirecardCard’scancellation,expirationorinvalidationforwhateverreason,forsecurityreasonsyoumustcutitintoseveralpiecesandthroughthemagneticstripeandanychip.

KeepingYourWirecardAccountandWirecardCardSecureYoushouldtreatyourWirecardAccountandWirecardCard,fromthemomentofitsreception,andanyrelevantsecurityinformationwiththesamelevelofcareanddiligenceasiftheywerecash,andyouagreenottodisclosethemtoanythirdpartyexcepttoaMerchantinthecourseofmakingaTransaction,orallowthemtobeusedbyathirdparty.Inthisregard,youshalltakeallreasonablestepstoprotectyourauthenticationelements.

Toprotecttheindividualauthenticationelementsforonlinepayments,youmustpayparticularattentiontothefollowing:

knowledgeelements,suchastheonlinepassword,shallbekeptsecret;inparticular,theymaynotbe

-communicatedorally(e.g.bytelephoneorinperson),-passedonintextform(e.g.bye-mailorMessengerservice)outsideofonlinepaymenttransactions,-storedunsecuredelectronically(e.g.bye-mailorMessengerservice)writtendownonadeviceorkeptasacopytogetherwithadevicewhichservesasapossessionelement(e.g.mobileterminal)orforcheckingtheinherenceelement(e.g.mobileterminalwithapplicationforcreditcardpaymentandfingerprintsensor).

possessionelements,suchasamobileterminaldevice,shallbeprotectedagainstmisuse,inparticular

-ensurethatunauthorisedpersonscannotaccessyourmobile

terminal(e.g.mobilephone),-ensurethatotherpersonscannotusetheDenizenApporanyotherapplicationwhereyouhaveintridcedyourWirecardCard(e.g.cardapp,authenticationapp)onthemobileterminal(e.g.mobilephone),

-theapplicationforonlinepaymenttransactions(e.g.cardapp,authenticationapp)onyourmobileterminalmustbedeactivatedbeforeyougiveuppossessionofthatmobileterminal(e.g.bysellingordisposingofthemobiletelephone);and

-possessionelements(e.g.TAN)maynotbepassedonorally(e.g.bytelephone)orintextform(e.g.bye-mail,messengerservice)outsidetheonlinepaymentprocesses.

Inherenceelements,suchasyourfingerprint,mayonlybeusedasanauthenticationelementonyourmobileterminalforonlinepaymenttransactionsifnootherperson'sinherenceelementsarestoredonthemobileterminal.Ifthemobileterminalusedforonlinepaymenttransactionsstorestheinherenceelementsofotherpersons,theknowledgeelementissuedbyWirecard(e.g.onlinepassword)shallbeusedforonlinepaymenttransactionsandnottheinherenceelementstoredonthemobileterminal.

Ifyouareprovidedwithdetailsofthepaymenttransaction(e.g.thenameofthecontractingcompanyandtheamountdrawnon)duringe-commercepaymenttransactions,youmustcheckthesedetailsforcorrectness.

IfyoususpectthatanybodyhaslearnedyourWirecardAccountand/orWirecardCarddetailsand/oryourrelevantsecurityinformationoranyauthenticationelement,pleasefollowtheinstructionssetoutinsection10below.NotethatifanybodyaccessesyourWirecardAccountorusesyourWirecardCardforTransactionsandyouhavefailedtonotifyusthatyourWirecardAccountdetailsand/orWirecardCarddetailshavebeencompromised,youmaylosesomeorallofyourBalanceinthesamewayasifyoulostcashinyourwalletorpurse.

WehavetherighttodisableanyusernameorpasswordrelevanttoyourWirecardAccountwhetherchosenbyyouorallocatedbyus,atanytime,ifinourreasonableopinionyouhavefailedtocomplywithanyoftheprovisionsofthisAgreement.

WerecommendthatyouchecktheTransactionhistoryinthestatementsprovidedthroughtheDenizenApp.WewillprovideyouthroughtheDenizenAppwithamonthlystatementoftheTransactionscarriedoutduringsuchperiodandyoumaywishtokeepascreenshotofthatstatementforyourrecords.Yourstatementwillshow:

identifyinginformationrelatingtoeachTransaction;

theamountofeachTransactionshowninthecurrencyinwhichthatTransactionwaspaidordebitedtotheWirecardAccountorWirecardCard;

theexchangerate(ifany)whichappliedtoeachTransaction;

whereapplicable,theamountofeachTransactionfollowingacurrencyconversion(ifany);and

foreachTransaction,thedateonwhichyourauthorizationwasreceivedbyusasdescribedinsection6.6ofthesetermsandconditions.

ReportingSecurityBreaches,UnauthorizedorIncorrectlyExecutedTransactions,andBlockingyourWirecardAccountorWirecardCardYoumustsigntheplasticcardinthesignaturefieldimmediatelyafterreceipt.Thecarddataandtheplasticcardmustbekeptsafeinordertopreventlossormisuse.Youmustensurethatnootherperson

obtainsknowledgeofyourPINandpasswordoranyauthenticationelement.

IfyouknoworsuspectthatyourWirecardAccountdetailsorWirecardCarddetailsoranyotherrelevantsecurityinformationorauthenticationelementsisknowntoanunauthorizedperson,youmustinformusimmediatelybycontactingusthroughtheContactMethods.

IfyouthinkaTransactionnotauthorizedbyyouhasbeenmadeorthataTransactionhasbeenincorrectlyexecuted,youmustcontactusthroughtheContactMethodsimmediatelysothatwecanblockyourWirecardAccountorWirecardCard.YoucanalsoblockyourWirecardAccountorWirecardCardthroughtheDenizenApp.WemayaskyoutocompleteadeclarationformandreturnittoDenizenorDenizenFinancialInc.promptly.

LOST,STOLENORDAMAGEDCARDSIntheeventofloss,theft,fraud,themisappropriationoftheWirecardCardtnePINortheagreedauthenticationelementsoranydeviceinwhichtheWirecardCarddetailsoryourcredentialstoaccessyourWirecardAccountortheDenizenAppareincluded,oranyothereventthatresultsintheriskofunauthoriseduseoftheWirecardCardoryourWirecardAccount,youmustcontactusthroughtheContactMethodsimmediatelysothatwecanblockyourWirecardAccountorWirecardCard.YoucanalsoblockyourWirecardAccountorWirecardCardthroughtheDenizenApp.WemayaskyoutocompleteadeclarationformandreturnittoDenizenorDenizenFinancialInc.promptly.Inthiscontext,weshallensurethatappropriatemeansareavailableatalltimestoenableyouasthecardholdertomake

suchnotificationfreeofcharge.

Providedthatyouhavefollowedoneofthestepsinaccordancewithparagraph11.1andthatparagraph11.3doesnotapply,youwillnotbeliableforlossesthattakeplaceafteryouhavelockedyourWirecardCardorWirecardAccountorinformedCustomerServicestodoso.

Ifwecanprovethatyouhaveactedfraudulentlyorwithgrossnegligenceorintent:(i)infailingtonotifyuswithunduedelayonbecomingawareofthelost,stolen,misappropriationorunauthoriseduseoftheWirecardCardorWirecardAccountorthePINortheagreedauthenticationelements;or(ii)whereyouhavefailedtoreasonablykeepyourWirecardCardorWirecardAccount,thePINortheagreedauthenticationelementsrelatedtotheWirecardCardorWirecardAccountsafeaccordingtothisagreementoranyothersecurityobligationinformedbyus,thenyoushallbeliableforallresultinglosses,exceptinthefollowingcases:

1. incaseswhereenhancedcustomer’sauthenticationisnotrequiredfortheuseoftheWirecardCardorWirecardAccount,youshallonlybearthepossibleeconomicconsequencesintheeventyouhaveactedfraudulently;

2. youshallonlybearthefinancialconsequencesfortheuseoftheWirecardCardorWirecardAccount,afternotificationoflossortheft,intheeventyouhaveactedfraudulently.

Inanyevent,youshallbeexemptfromallliabilityintheeventoftheft,misplacementormisappropriationoftheWirecardCardwherethetransactionswerecarriedoutinanon-presentmannerusingonlythepaymentdetailsprintedontheWirecardCarditself,providedthattherewasnofraudorgrossnegligenceonyourpartinthefulfilmentofyourcustodialobligationsoftheWirecardCardandauthentication

elementsandthatyouhadnotifiedthiscircumstancewithoutdelay.

Subjectto11.2,youmaybeliableuptoamaximumof50EURforanylossesincurredasaresultofunauthorisedpaymenttransactionscarriedoutusingyourWirecardCardorWirecardAccountpriortoyoulockingoryourequestingustolockyourWirecardCardorWirecardAccountwheretheWirecardCardorWirecardAccountortheirPINorotheragreedauthenticationelementshasbeenlostorstolen,orwhereyouhavefailedtokeepsuchauthenticationelementssafefrommisappropriation.

Thepreviousparagraphshallnotapplyif:

1. theloss,theftormisappropriationoftheWirecardCardorPINortheagreedauthenticationelementswasnotdetectabletoyoupriortoapayment,exceptwhereyouhaveactedfraudulently;or

2. thelosswascausedbyactsorlackofactionofanemployee,agentorbranchofWirecard,Denizen,DenizenFinancialInc.,orofanentitytowhichitsactivitieswereoutsourced.

Forthepurposesofthisclause,wewillconsiderthatyouactedfraudulently,deliberatelyorwithgrossnegligencewithrespecttothesecuritymeasuressetforthinsection9abovewhere(i)someoneelseusedtheWirecardCardanditsPINwithyouragreement;(ii)youhavedisclosedyourPINtosomeoneelse;or(iii)youhavefailedtoimmediatelynotifyasecuritybreachassoonasyouhavebecomeawareofit.

RefundingTransactionsProvidedthatyouhavetimelynotifiedusinaccordancewithsubsections10.2or10.3,asapplicable,ofanyunauthorizedorincorrectlyexecutedTransactionwithoutdelayandatthevery

latestwithin13monthsofthedebitdate,youmaybeentitledtoarefundofsuchTransactionamountinaccordancewiththefollowingprovisions.The13-month-periodshallonlycommence,ifwehavenotifiedyouofthedebitentryresultingfromthetransactionviatherelevantcommunicationchannelagreeduponfortransactioninformationatthelatestwithinonemonthofthedebitentry.Otherwise,theperiodshallbeginonthedayofnotification.Youmayalsoraiseclaimsaftertheendoftheperiodstatedinsentence1ifyouwereunabletomeetthedeadlinethroughnofault.

Refundintheeventofanunauthorizedcardtransaction.IntheeventofanunauthorizedWirecardCardtransaction,wedonothavetherighttoclaimrefundsofourexpensesandweareobligedtorefundthetransactionamounttoyouwithoutdelayandinfull.Inthecaseofanunauthorisedpaymenttransaction,weshallrefundtoyourWirecardAccounttheamountoftheunauthorisedpaymenttransactionimmediately,andinanyeventnolaterthanbytheendofthefollowingBusinessDay,afternotingorbeingnotifiedofthetransaction,exceptwherewehavereasonablegroundsforsuspectingfraudandcommunicatesthosegroundstotherelevantnationalauthorityinwriting.IftheamounthasbeendebitedfromyourWirecardAccount,wewillensurethatthebalanceofyourWirecardAccountisrestoredtothepositionitwouldhavebeenhadtheunauthorizedtransactionnotoccurred.ThisshallalsoensurethatthecreditvaluedatefortheWirecardAccountshallbenolaterthanthedatetheamounthadbeendebited.

Wherethepaymenttransactionisinitiatedthroughapaymentinitiationserviceprovider,weshallrefundimmediately,andinanyeventnolaterthanbythe

endofthefollowingBusinessDaytheamountoftheunauthorisedpaymenttransactionand,whereapplicable,restoretheWirecardAccounttothestateinwhichitwouldhavebeenhadtheunauthorisedpaymenttransactionnottakenplace.

Refundintheeventofanon-executedorincorrectlyexecutedauthorizedtransaction.WhereyouhaveorderedaTransactionpursuanttothisAgreement,wewillbeliableforthecorrectexecutionofsuchTransaction.IfyouarethebeneficiaryofanyTransactionorderedbyathirdpartyunderthisAgreement,wewillbeliabletoyouaslongaswehavereceivedtherelevantamount.Intheeventofanon-executedorincorrectlyexecutedTransaction,weshall,withoutunduedelay,refundtoyoutheamountofthenon-executedordefectivepaymenttransactionand,whereapplicable,restoretheWirecardAccounttothestateinwhichitwouldhavebeenhadtheincorrectlyexecutedTransactionnottakenplace.

ClaimsfordamagesbyyoubasedonanunauthorizedTransactionoranon-executedorincorrectlyexecutedauthorizedTransaction.Intheeventofanon-executedorincorrectlyexecutedTransaction,inadditiontotheremediesprovidedinsubsection12.3above,weshallbeliabletoyouforanychargesforwhichyouareresponsible,andforanyinteresttowhichyoumaybesubjectasaconsequenceofnon-executionoranincorrectlyexecutedTransaction.

Timelimitforraisingclaimsundersubsections11.2through11.4.Youarenotentitledtoanyclaimagainstusundersubsections12.2through12.4,ifyouhavefailedtoinformusassetoutinsubsection12.1,orifsubsection12.6applies.

Anyofyourclaimsagainstussetforthinsubsections

12.2through12.4areexcluded,ifthereasonsgivingrisetotheclaimareeitherbasedonanunusualorunforeseeableeventbeyondourinfluenceandtheconsequencesofwhichcouldnothavebeenavoidedbyusdespiteexercisingduecare,orwerecausedbyusduetoalegalobligationwithwhichwemustcomply.

RedeemingFundsinYourWirecardAccountYoucanredeemfundsheldinyourWirecardAccountatanytimeinwholeorinpart,bymakingatransfertoanyotherSEPAaccountinyourname.Todoso,pleasefollowtheinstructionsintheDenizenApporcontactususinganyoftheContactMethods,requestingredemptionandindicatingtheamounttoberedeemed.

InordertoprocessyourRedemptionRequest,wemayaskyoutoprovideuswithdocuments,evidenceandotherinformationtoverifyyouridentitytoenableustocomplywithapplicablelegalandregulatoryrequirements.

ForeignCurrencyConversionIfyouusetheWirecardCardforTransactionswhicharenotinEuro,theWirecardAccountwillneverthelessbedebitedinEuro.TheexchangerateforforeigncurrencytransactionsshallbedeterminedbyMastercardbasedonexistingmarketconditionsatthetimeoftheTransactionsettlement.Wedrawyourattentiontothefactthattheforexmarketmaybevolatileandthattheexchangeratesmaychangequickly.Therefore,itmaybehardtoaccuratelyestimatetheapplicableexchangerateinadvance.

ChargesandFeesWewillnotchargeyouafeeforyourWirecardAccountoryourWirecardCard,butyoumaybechargedafeebyDenizenorDenizenFinancialIncforyouruseoftheDenizenService.

IncaseweintroducefeesforyourWirecardAccountoryourWirecardCard,wewillnotifyyouinwriting(e.g.byemailorviaonlineaccountaccess)nolaterthantwomonthsbeforetheytakeeffect.Yourconsentisdeemedtohavebeengivenifyoufailtoraiseanyobjectionsbeforetheproposedeffectivedateofthechanges.Wewillspecificallyinformyouaboutyourdeemedconsentinournoticetoyou.

Incaseweintroduceanyfeesorchangeourfees,youhavetherighttoterminatethisAgreementimmediatelyandfreeofchargebeforetheproposeddatewhenthechangestakeeffect.Wewillspecificallyinformyouaboutthisterminationrightinournoticetoyou.

ATMcashwithdrawalmaybesubjecttoATMfeeschargedbytheownerofanATM.WewilldebityourWirecardAccountwiththefeesappliedbytheowneroftheATM.WithrespecttocashwithdrawalsfromATMslocatedinSpain,theamountofsuchfeeswillbedisplayedpriortothewithdrawalpursuanttotheSpanishapplicablelaw.

YouwillnotbechargedwiththeinformationcostsrelatedwiththeprovisionofservicesunderthisAgreement.

TerminatingyourWirecardAccountorWirecardCard

ThetermofthisAgreementwillcontinueuntiltheAgreementisterminatedinaccordancewiththissection.

YouhavetherighttoterminatethisAgreementatanytimebyusinganyoftheContactMethods.Section15.3shallremainunaffected.Weshallcomplywiththeordertoterminatetheframeworkcontractwithin24hoursofreceiptofyourrequest.

TerminationofthisAgreementisfreeofchargeforyouexceptwhereithasbeeninforceforlessthan6months.Charges,ifany,forterminationofthisAgreementshallbeappropriateandinlinewithcosts.

WemayterminatethisAgreementwithimmediateeffectbygivingwrittennotice,ifyouareinbreachofamaterialclauseofthisAgreement,including:

ifyourepeatedlybreachthisAgreementandfailtoresolvethebreachtooursatisfactioninatimelymanner;

ifyouactinamannerthatisthreateningorabusivetoourstafforanyoneactingonourbehalf;or

intheeventofyourdeathorincapacity.

WemayterminatethisAgreementforanyreasonbygivingyouatleasttwo(2)monthswrittennotice.

IfyouterminatetheagreementapplyingtoyouruseoftheDenizenService,thiswillalsobedeemedaterminationofthisAgreementsothatyouruseofyourWirecardAccountandWirecardCard,ifprovided,willterminateinaccordancewiththeterminationoftheDenizenService.

WemayalsoterminatethisAgreementwith

immediateeffectand/orsuspendyourWirecardAccountand/orWirecardCardimmediately,ifwebelieveyourWirecardAccountand/orWirecardCardisdeliberatelybeingusedbyyouoranyoneelsetocommitfraudorforotherillegalpurposes.Inthiscase,wewillnotifyyouassoonaswearepermittedtodosoandyoumuststopusingyourWirecardAccountand/orWirecardCardimmediatelyuponsuchnotice.

IfthisAgreementisterminated,assoonaswearepermittedtodoso(andnormallywithinfive(5)BusinessDaysafteryouhavecontactedusinrelationtoyourterminationofthisAgreement),wewillreturnanyBalanceremainingonyourWirecardAccountafterthedeductionofallpendingtransactions(alsotoyourDenizenUnderlyingAccount)ormadewithyourWirecardCard,ifprovided.Pleasenotethatinordertocomplywithapplicablelegalandregulatoryrequirements,includinganti-moneylaunderingandterroristfinancingrequirements,wemayneedtoverifyyouridentitypriortopayinganyBalancetoyou.

AfterterminationofthisAgreement,youwillnotbeentitledtoarefundofmoneyyouhavealreadyspentontransactionsauthorizedorpendingbeforetheAgreementwasterminated.

ChangesToThisAgreementWereservetherighttoamendthisAgreementatanytime.Wewilltakeintoaccountyourinterestsaffectedbytheintendedchangesandwillonlymakechangesthatweconsidertobereasonable.ChangestoexchangerateswilltakeeffectimmediatelywheretheymoveinyourfavororwheretheyresultfromachangetothereferencerateofMastercardfromtimetotime.Forallotherchanges,wewillgiveyouatleasttwo(2)months'priorwrittennoticeviae-mailordirectlywithinyourDenizenAppofanyintended

changetothesetermsandconditionsandwewillprovideyouwithanewversionofthisAgreement.Ifyoudonotagreewiththeproposednewterms,youmustnotifyusviaoneoftheContactMethodsbeforethenewtermstakeeffect,otherwiseyouwillbedeemedtohaveacceptedthenewtermsofthisAgreement.

UsageRestrictionsUsageRestrictionsapplyingfromtimetotimewillbenotifiedtoyouthroughtheDenizenApprequiringyoutoacceptthem.

YourInformationYouconfirmthatanyinformationyouprovideuswith,orwhichDenizenorDenizenFinancialInc.providestousonyourbehalf,istrue,accurateandup-to-date.Youagreetoinformusofanychangestoyourpersonaldetailswithoutdelay.YoumayalsoupdateyourresidentialaddressandemailaddressbyfollowingtheinstructionswithinyourDenizenApp.IfwecontactyouinrelationtoyourWirecardAccountorWirecardCard,wewillusethemostrecentcontactdetailsyouhaveprovidedtous.

DataProtectionandhowweuseyourinformationThepersonaldatathatyouprovidetous,orwhichDenizenorDenizenFinancialInc.providestousonyourbehalf(including,withoutlimitation,anemailaddressandanysecurityinformation),willbeprocessedbyWirecardinaccordancewiththisAgreementandourPrivacyNotice.PleasereadthePrivacyNoticecarefullyasitprovidesinformationabouthowweuse,share,storeandprocessyourpersonalinformation.ByusingyourWirecardAccountorWirecardCardyouconsenttoWirecardprocessingsuchinformationinthisway.

Ifwesuspectthatwehavebeengivenfalseor

inaccurateinformation,wemayrecordoursuspiciontogetherwithanyotherrelevantinformation.

LanguageoftheAgreementThelanguageforthisAgreementandanycommunicationswithyouduringthetermofthisAgreementwillbemadeinSpanish.

AssignmentWemayassignourrightsandobligationsunderthisAgreementtoanothercompanyatanytime,ongivingyoutwo(2)months'priorwrittennotice.Ifwedothis,yourrightsunderthisAgreementwillnotbeaffected.

Youmaynotassigntoanyoneelseanyoftherights,obligationsorinterestscreatedinthisAgreement.

DepositProtectionFundScopeofprotection.WirecardisamemberoftheDepositProtectionFundoftheAssociationofGermanBanks(EinlagensicherungsfondsdesBundesverbandesdeutscherBankene.V.).Inaccordancewithitsby-laws–subjecttotheexceptionsprovidedfortherein–theDepositProtectionFundprotectsdeposits,i.e.creditbalanceswhichresultfromfundsleftinanaccountorfromtemporarysituationsderivingfrombankingtransactionsandwhichWirecardisrequiredtorepayundertheconditionsapplicable.Notprotectedare,interalia,depositsformingpartofWirecard’sownfunds,liabilitiesfrombearerandorderbonds,aswellasdepositsofcreditinstitutionswithinthemeaningofArticle4(1),point(1)ofRegulation(EU)No.575/2013,financialinstitutionswithinthemeaningofArticle4(1),point(26)ofRegulation(EU)No.

575/2013,investmentfirmswithinthemeaningofArticle4(1),point(1)ofDirective2004/39/ECandcentral,regionalandlocalauthorities.Depositsofothercreditorsasnaturalpersonsandasfoundationswithlegalcapacityareonlyprotectedif(i)thedepositisnotaliabilityfromaregisteredbondorapromissorynoteand(ii)thetermofthedepositisnotmorethan18months.Depositsthatalreadyexistedbefore1January2020shallnotbesubjecttothislimitationofterm.After31December2019,the‘grandfathered’statuspursuanttotheprecedingsentenceshallceasetoapplyassoonasthedepositinquestionfallsdue,canbeterminatedorotherwisereclaimed,orifthedepositistransferredbywayofindividualoruniversalsuccessionintitle.Liabilitiesofbanksthatalreadyexistedbefore1October2017areprotectedinaccordancewithandundertheconditionslaiddownintheprovisionsoftheby-lawsoftheDepositProtectionFundapplyinguntil1October2017.After30September2017,the‘grandfathered’statuspursuanttotheprecedingsentenceshallceasetoapplyassoonastheliabilityinquestionfallsdue,canbeterminatedorotherwisereclaimed,oriftheliabilityistransferredbywayofindividualoruniversalsuccessionintitle.

Protectionceilings.Theprotectionceilingforeachcreditoris,until31December2019,20%,until31December2024,15%,and,asof1January2025,8.75%ofWirecard’sownfundswithinthemeaningofArticle72ofRegulation(EU)No.575/2013usedfordepositprotectionpurposes.Depositsestablishedorrenewedafter31December2011shallbesubjecttotherespectivenewprotectionceilingsasoftheaforementioneddates,irrespectiveofthetimewhenthedepositsareestablished.Depositsestablishedbefore31December2011shallbesubjecttotheold

protectionceilingsuntilmaturityoruntilthenextpossibleterminationdate.ThisprotectionceilingshallbenotifiedtothecustomerbyWirecardonrequest.Itisalsoavailableontheinternetatwww.bankenverband.de.

ValidityoftheBy-lawsoftheDepositProtectionFund.Furtherdetailsofprotectionarecontainedinsection6oftheBy-lawsoftheDepositProtectionFund,whichareavailableonrequest.

Transferofclaims.TotheextentthattheDepositProtectionFundoritsmandatorymakespaymentstoacustomer,therespectiveamountofthecustomer‘sclaimsagainstWirecard,togetherwithallsubsidiaryrights,shallbetransferredsimultaneouslytotheDepositProtectionFund.

Disclosureofinformation.WirecardshallbeentitledtodisclosetotheDepositProtectionFundortoitsmandatoryallthenecessaryinformationinthisrespectandtoplacedocumentsattheirdisposal.

ComplaintsIfyouhaveacomplaintabouttheWirecardAccountpleasetellusbyusingtheServiceE-mailsupport@denizen.io,sowecaninvestigatethecircumstancesforyou.WewillaimtodealquicklyandfairlywithanycomplaintsyouhaveabouttheWirecardAccount.

Wirecardparticipatesinthedisputeresolutionmechanismoftheconsumerarbitrationboard“ombudsmanofprivatebanks”(www.bankenombudsman.de)wheretheconsumercanrequesttheresolutionofadisputewiththebankfromtheombudsmanofprivatebanks.Ifthesubject

matterofthecomplaintinvolvesadisputeinconnectionwithapaymentservicescontract(Section675fGermanCivilCode),cardholdersotherthanconsumersmayalsorequesttheOmbudsmanofprivatebanksforresolutionofthedispute.Furtherdetailsarecontainedinthe„RulesofProcedurefortheSettlementofCustomerComplaintsintheGermanPrivateCommercialBankingSector“(VerfahrensordnungfürdieSchlichtungvonKundenbeschwerdenimdeutschenBankgewerbe),whichwillbemadeavailableonrequestorcanbefoundontheinternetatwww.bankenverband.de.Thecomplaintmustbesubmittedinwriting(e.g.byletter,faxore-mail)toKundenbeschwerdestelle(CustomerComplaintsOffice)atBundesverbanddeutscherBankene.V.P.O.Box040307,10062Berlin,Fax:(030)1663-3169,E-Mail:ombudsman@bdb.de.ThecardholdermayfurthermorewritetoorcontacttheGermanFederalFinancialSupervisoryAuthority(BundesanstaltfürFinanzdienstleistungsaufsicht),GraurheindorferStraße108,53117Bonn,andMarie-Curie-Str.24-28FrankfurtamMain,Germany,atanytimetohavecomplaintsrecordedinwritingregardingviolationsbythebankoftheGermanPaymentServicesOversightAct(Zahlungsdiensteaufsichtsgesetz,ZAG),Sect.675cto676coftheGermanCivilCode(BGB)orArticle248oftheIntroductoryActtotheGermanCivilCode(EinführungsgesetzzumBGB,EGBGB).

EntireAgreementandSeveranceTheWirecardAccountandtheWirecardCardareregulatedsolelybythisAgreement.AnapplicensefortheDenizenAppandthetermsandconditionsfortheDenizenServicemayapplyinaddition.Incaseofadiscrepancyamonganyofthesedocuments,

thisAgreementshallprevailwithrespecttoyourWirecardAccountandyourWirecardCard.

IfanycourtorcompetentauthorityfindsthatanyprovisioninthisAgreement(oranypartofanyprovision)isinvalid,illegalorunenforceable,thatprovision(orpart)shall,totheextentrequired,bedeemedtobedeleted,andthevalidityandenforceabilityoftheotherprovisionsofthisAgreementshallnotbeaffected.

GoverningLawandJurisdictionThisAgreementisgovernedbySpanishlawandissubjecttotheexclusivejurisdictionoftheSpanishCourts.Inparticular,thisAgreementissubjecttotheprovisionssetforthbySpanishRoyalDecree-Law19/2018of23NovemberonpaymentservicesandotherurgentfinancialmeasuresandtheSpanishMinisterialOrderEHA/1608/2010,ofJune14,ontransparencyofconditionsandinformationrequirementsforpaymentservices,anditsdevelopingregulations.

PrivacyNotice

1. WhenyouenterintoabankaccountagreementwithWirecardBankAG("Wirecard")withrespecttotheDenizenService,Wirecardcollectspersonaldataaboutyou.YouprovidedthispersonaldatatoDenizenGlobalFinancial,S.A.U.("DenizenSA")orDenizenFinancialInc.,theprovidersoftheDenizenService,andDenizenSAorDenizenFinancialInc.forwardsittoWirecard.ThepersonaldataincludesinformationforyourDenizenServiceaccount(fullname,dateofbirth,address,e-mailaddress,telephonenumber,taxidentificationnumber),yourpassport(fullname,number,expirationdate,picture,dateandplaceofbirth,dateofissue,nationality,gender)andanycredit/debitcardyoulinkthroughtheapp(primaryaccountnumber[PAN],verificationcode[CVC],expirationdate).Wirecardreviewsandusesthisinformationtosatisfycomplianceobligations(e.g.know-your-customerchecks,anti-moneylaundering,counteringthefinancingofterrorism)andtoestablishandcarryoutthebankaccountrelationshipwithyou.

2. Youmaydirectanydataprotectionqueriestosupport@denizen.io

3. Ifyouwishtoaccess,correct,updateorrequestdeletionofyourpersonaldata,ortoobjecttotheprocessingofyourpersonaldata,askustorestricttheprocessingofyourpersonaldataorrequestportabilityofyourpersonaldata,youcandosoatanytimebycontactingusonthee-mailaddresssupport@denizen.io.Ifwehaveobtainedyourconsentforprocessingyourdata,thenyoucanwithdrawyourconsentatanytimeviathesamee-mailaddress.Withdrawingyourconsentwillnotaffectthelawfulnessofanyprocessingweconductedpriortoyourwithdrawal,norwillitaffectprocessingofyourpersonaldataconductedinrelianceonlegalbasisotherthanconsent.Youhavetherighttocomplaintoadataprotectionsupervisoryauthorityaboutourprocessingofyourpersonaldata.

1. Wirecardretainsyourpersonaldataifthereisongoinglegalbasistodoso,namelytoprovidetheDenizenServicetoyouandtocomplywithstatutoryretentionobligationse.g.underbanking,anti-money-laundering,taxandtradelaw.Withoutsuchlegalbasis,Wirecardwilldeleteyourpersonaldataifitisnotnecessaryanymoreforthepurposeforwhichitwascollected.

1. Annex

UsageRestrictions

Limit € # €

STANDARDCustomerCategoryTrustClass_3_basic

EMPLOYEECustomerCategory

TrustClass_3_plusmax_account_balance 50,000.00 n/a 100,000.00 max_day_load 5,000.00 5 30,000.00max_week_load 10,000.00 20 50,000.00max_month_load 10,000.00 40 100,000.00max_year_load 20,000.00 480 500,000.00

max_day_spend 3,500.00 5 15,000.00max_week_spend 5,000.00 10 25,000.00max_month_spend 5,000.00 40 50,000.00max_year_spend 20,000.00 480 500,000.00 max_day_ATM 500.00 5 500.00max_week_ATM 1,500.00 5 3,500.00max_month_ATM 5,000.00 10 10,000.00max_year_ATM 15,000.00 120 20,000.00 max_per_POS 500.00 n/a 2,500.00DAILY_POS n/a n/a n/aWEEKLY_POS 5,000.00 10 10,000.00MONTHLY_POS 5,000.00 40 20,000.00YEARLY_POS 20,000.00 480 50,000.00 max_per_ECOM 500.00 n/a 2,500.00DAILY_ECOM n/a n/a n/aWEEKLY_ECOM 5,000.00 10 10,000.00MONTHLY_ECOM 5,000.00 20 10,000.00YEARLY_ECOM 20,000.00 240 50,000.00 max_per_wiretransfer_transaction 5,000.00 n/a 15,000.00max_day_wiretransfer 5,000.00 2 30,000.00max_week_wiretransfer 10,000.00 5 50,000.00max_month_wiretransfer 10,000.00 10 100,000.00max_year_wiretransfer 20,000.00 120 500,000.00 max_per_creditcard_transaction 100.00 n/a 500.00max_day_creditcard 200.00 2 500.00max_week_creditcard 500.00 5 1,000.00max_month_creditcard 500.00 10 2,500.00max_year_creditcard 6,000.00 120 15,000.00