Experience Switzerland’s first climate-friendly credit card.

Exclusively for all Swiss Business Club

members: CHF 20 sign-up bonus credit!

Climate Credit Card. Travel, shopping, living – And caring for our climate, each and every day.

Your Climate Credit Card at a Glance.Favorable conditionsAnnual fee, Principal Card CHF 100 Annual fee, Additional Card (purchases paid by Principal Cardholder) CHF 50Cash withdrawal Commission in and outside Switzerland, min. 2,5 % – Withdrawals at ATMs CHF 6– Withdrawals at bank counters CHF 10 Purchases in foreign currenciesRetail exchange rate of Cornèr Bank Ltd. on the booking date plus foreign currency processing fees of no more than 0,9%Monthly statement due date from the date issued, within 25 daysInstallment plan You choose whether to pay the due balance in full or to pay in monthly installments of at least 5 % or CHF 100. Annual interest rate, not exceeding 15 % Credit permitted only if not leading to overindebtedness (Art. 3, par. n, UWG)Liability in the event of loss or theft of the cardIf full compliance with all obligations of due diligence CHF 0Replacement card Immediate replacement of Card and emergency cash advance of CHF 1,000 within 48 hours in the event of loss or theft CHF 20Bank account with Cornèr Bank Ltd. not required Complete climate compensation All of your purchases made with the Climate Credit Card are climate-neutral. no charge

Instant Access to Card Data

Onlineaccess (included as standard) free Card management at the click of a mouse and added security on the Internet Cornèrcard App (optional)Access to your card data anytime and anywhereAvailable for smartphones and tablets free Mobileaccess (optional) More security and control via your cell phone – Security Check: notification on suspicion of misuse free – Shop Info: automatic notification with purchases Per SMS CHF 0.50 – Balance or transaction inquiry Per SMS CHF 0.80

Cutting-Edge TechnologyChip technology and PIN function Your credit card is fitted with a state-of-the-art microprocessor chip. This chip conforms to the internationally applied EMV standard for the security of payment cards. The card as an admission ticket: (all bookings are made through libertyaccess.ch)Make bookings for sports or cultural events with your Climate Credit Card from the comfort of your home.

Useful ServicesTravel Accident Insurance* no charge When traveling by public transportation, you and your relatives are insured automatically against travel accidents or delayed/lost luggage Maximum coverage – in the event of death or permanent disability CHF 300,000 – for rescue and repatriation costs CHF 60,000 – delayed/lost luggage, for replacement purchases using your Climate Credit Card CHF 3,000Purchase Protection Insurance* no charge Worldwide 30-day coverage in the event of theft, damage and destruction of purchases made by you with Climate Credit Card at merchant locations or online per claim, max. CHF 2,000 Claim amount per year, maximum CHF 5,000Legal Protection Insurance* no charge Helps with disputes related to purchase – worldwide and online Worldwide legal protection for claim settlement or refund, but not exceeding CHF 50,000Travel Insurance (optional)* Worldwide coverage for unlimited number of journeys per year. Includes cancellation charges, travel assistance and deductible waiver for car rentals Individual coverage, max. CHF 10,000 per person and event per year CHF 35 Family coverage, max. CHF 10,000 per person/CHF 40,000 per event per year CHF 49 Flight Accident Insurance (optional)* Coverage in addition to Travel Accident Insurance maximum benefit in the event of death or permanent disability CHF 500,000 per year CHF 45 Payment Protection Insurance (optional) Financial stopgap assistance with balance coverage in the event of accidental loss of employment, temporary full incapacity to work, death or permanent disability. Coverage: maximum CHF 10,000 per event Monthly premium based on due balance of monthly statement 0,49 %Private and Motor Legal Protection Insurance (optional) Effective support worldwide and expert assistance in the event of legal disputes Individual coverage, max. CHF 250,000 per event** per year CHF 175 Family coverage, max. CHF 250,000 per event** per year CHF 230

* Applies only if payment was made with the Climate Credit Card** CHF 50,000 outside EFTA/EU

The name on the Card is to appear as follows (First/Last name):(max. 20 characters incl. spaces; no umlauts/accents)

Mr Ms Last name/First name

Date of birth Place of birth

Nationality Mobile telephone E-mail

Application

Employee Self-employed Retired In training

Employer since

Occupation/position Telephone

Address

Gross annual income CHF Own Rent Home Annual living expenses CHF Direct debit(mandatory in compliance with Art. 30 KKG) for payments made directly via your Bank

2. Occupation/Financial

My name is to appear on the Card as follows (First name/Last name): (max. 20 characters incl. spaces; no umlauts/accents)

Mr Ms Correspondence in D F I

Last name First name

Street/No. ZIP code/Place

Address since Date of birth Place of birth Nationality

Telephone (home) Mobile telephone

E-mail Civil status

Number of minor children For foreign nationals: Residence permit C B G L since In Switzerland since (Please enclose copy)

1. Personal

4. Optional Features

Onlineaccess (E-mail address required) free (M48)

Mobileaccess (Mobile telephone number required) CHF 0.20-0.50/SMS (A19)

Travel Insurance: Individual coverage Annual premium: CHF 35 (O97)

Travel Insurance: Family coverage Annual premium: CHF 49 (O97)

Payment Protection Insurance 0.49% of due balance as shown on monthly statement (O96)

Flight Accident Insurance (individual coverage) Annual premium: CHF 45 (O99)

Principal Card

Additional Card

Provisions for Optional Insurance Coverage and Scope of Application: Insurance benefits apply only as set forth in the General Terms of Insurance (GTI) for Payment Protection Insurance, for Travel Insurance, for additional Flight Accident Insurance available for review at www.cornercard.ch/e/gt and enclosed with the letter of coverage confirmation.

Yes, I wish to sign up for climate protection. Please find my order below (CHF 100.00):

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22/141/17803/141/432

3. Additional Cards

I am already the holder of a Principal Card No.

Spouse Partner Daughter/son (minimum age: 16)

Yes, I wish to apply for a Climate Credit Card additional card, with joint and several liability, for the following person living in the same household:

Important: Please print, complete in full and return.

Exclusively for all Swiss Business Club members: CHF 20 sign-up bonus credit!

(required)

Climate Credit Card Visa Ref. 1315297816606 Contatto: 24L SC: S4002

Climate Credit Card MasterCard Ref. 1315297996800 Contatto: 24L SC: S4002

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Application

7. Declaration

* I hereby certify the information provided in this Application to be accurate and acknowledge that I have received, understand and accept as binding the General Terms and Conditions (GTC) for the Cornèrcard Visa and MasterCard Classic and Gold from Cornèr Bank Ltd., issued by Cornèrcard. I hereby authorize Cornèr Bank Ltd. to deny this Application at its discretion. Upon approval of this Application, I will receive the Card(s) applied for, a copy of this Card Application with credit agreement, the complete GTCs (available online at www.cornercard.ch/d/agb or by calling +41 (0)844 00 41 41) as well as my personal PIN. In addition, I will receive the General Terms of Insurance for those insurance plans included automatically and at no charge with Cornèrcard Classic products or made available for purchase upon request. Any applicable premiums will be automatically charged to my Card. By using and/or signing the Card, I acknowledge that I have received, understand and accept in full the complete GTCs (including the clauses of consent, transferability and confirmation set forth in Art. 9 Par. 1,2,3 and 4) as well as all applicable Terms of Insurance. Annual fees, exchange rates and handling charges: Annual fee for Principal Card: CHF 100; annual fee for Additional Card: CHF 50. Purchases made in foreign currencies will be posted at the retail rate of exchange of Cornèr Bank Ltd. in effect on the date posted plus a foreign currency conversion fee of no more than 0.9 %. Cornèr Bank Ltd. is entitled to charge a handling fee of CHF 20 for each late notice and for each payment order (direct debit) returned on the grounds of insufficient funds. Cash withdrawals are subject to a commission of 2.5% but not less than CHF 6 for withdrawals at ATMs and CHF 10 for withdrawals at bank counters.

Autorization: I hereby authorize Cornèr Bank Ltd. to use my e-mail address for its own marketing activities and to forward information about my personal data (last name, first name, street, number, postal code, place, telephone number, e-mail address) and card data (Cornèrcard ID, bar code, expiration date) to South Pole Carbon Asset Management Ltd. (hereinafter “South Pole Carbon”) or its third-party agents only in order to allow it to process specific CO2 compensation services as well as other South Pole Carbon services (electronic newsletter, etc.) or to administer the Card. As the Principal Cardholder, I authorize the Additional Cardholder to apply at any time and independently for Mobileaccess, optional insurance or Priority Pass for his own Card. CO2 compensation: I understand that each year, I will receive a certificate showing all CO2 emissions generated and offset due to my card transactions as well as an ecological footprint listing individual CO2 emissions due to card use according to merchant categories. Cornèrcard compensates my CO2 emissions by purchasing corresponding certificates from South Pole Carbon without charge to me. For more information on calculating CO2 footprints through the use of the Card, visit climatecreditcard.ch. Services by South Pole Carbon: I hereby acknowledge and recognize that South Pole Carbon decides at its discretion which services (in the area of communication, etc.) it chooses to offer, if any. Booking number access function: Bookings (for more information, please visit libertyaccess.ch and additional links) for the respective event or service, or access thereto and use thereof shall be governed by the General Terms and Conditions of the event organizer or access partner. Cornèr Bank Ltd. shall not be held liable for the failure of the electronic booking number function to operate properly at the respective point of access.

As applicant of the principal card, I hereby confirm that I am to be qualified as a U.S. person within the purview of the legal provisions of the IRS (Internal Revenue Service, U.S. Department of the Treasury).

6. For U.S. persons only (circumstantial evidence: green-card holder, citizen/resident/place of birth/other address in the USA)

5. Identification of the Beneficiary Owner (Form A pursuant to Sect. 3 and 4 CDB; must be completed)

As the Principal Cardholder/Card Applicant I hereby certify that the funds used to pay the due amounts shown on the monthly statements of the Principal Card and/or any excess amounts paid to the issuer of such credit card are

solely mine belong to the following person(s): Last/First name (or Company), Date of birth, Place of birth, Nationality, Domicile, Country

For the Principal or Additional Card (if any)

As the Principal Cardholder/Applicant, I shall notify the credit card issuer of any changes. Deliberately providing false information on this Form is an offense punishable by law (Art. 251 of the Penal Code of Switzerland, penalty for fraud: detention up to five years or fine).

Important: Must be completed!

12.2013

8. Signature

Place/Date (*) Signature of the Principal Card Applicant

Place/Date (*) Signature of the Additional Card Applicant

By signing I confirm that I have taken note of, and understood, the above information.

Important: Please also sign the General Terms and Conditions (page 3)

to date and sign the Card Application to indicate your annual income to identify the Beneficiary Owner (complete Form A) to enclose a copy of official ID (driver’s license, passport, ID card, alien permit) to order the additional services for your Climate Credit Card (please check boxes)

9. Please remember

Important: Please sign Card Application and the General Terms & Conditions. Return together with all enclosures to: Cornèr Banca SA, Cornèrcard, Via Canova 16, 6901 Lugano

Excerpt from the General Terms and Conditions for Classic and Gold Cards Visa and MasterCard of Cornèr Bank Ltd.

1. Use of the Card/Monthly statement/LiabilityThe Cardholder acknowledges the signed amount of a card transaction to be exact and expressly and irrevocably authorizes the Bank to pay the amount to the affiliated merchant or authorized bank. The Bank shall not be held liable for any transactions concluded by using the Card. The Principal Cardholder shall be severally held liable for any obligations arising from the use of Supplemental or Additional Cards even if statements are issued separately to the holders of such Cards.

2. Insurance mediation and data protectionI acknowledge that the insurer is liable for any errors, negligence or incorrect information in connection with the insurance contracts provided. My personal data shall be treated as confidential. Cornèr Bank Ltd. shall comply with the provisions of data protection legislation in the processing and storage of personal data. Cornèr Bank Ltd. may commission third parties in Switzerland to process the card application and to administer card relations and transactions where allowed under Swiss law and subject to assurance of appropriate data protection. Personal data made available in connection with the insurance may be forwarded to the insurers and shall be processed by Cornèr Bank Ltd. and the insurers only for the purpose of concluding and administering the insurance contract as well as processing a claim. Personal data may be disclosed to authorized third parties and/or other Group companies of Cornèr Bank Ltd. for the purpose of administering the insurance contract. Data may be transferred abroad if such third country provides for equivalent data protection (recognized as such by Swiss data protection legislation). Personal data is stored in electronic form and/or paper format. I hereby acknowledge that, under the data protection legislation, I may be entitled to obtain information and, on certain conditions, to have certain data stored at Cornèr Bank Ltd. corrected, blocked or deleted.

3. Applicable law and jurisdiction All legal relations between the holder of a Principal, Supplemental or Additional Card shall be subject to Swiss law. Subject to mandatory provisions of Swiss law, the place of performance, the place of special proceedings for holders of a Principal, Supplemental or Additional Card domiciled abroad and the exclusive place of jurisdiction for all disputes shall be Lugano. The Bank, however, also reserves the right to take legal action against the holder of a Principal, Supplemental or Additional Card in the competent court at his place of domicile or at any other competent court.

Credit Option Agreementbetween Cornèr Bank Ltd., Via Canova 16, 6901 Lugano (hereinafter “Bank”) and the Cardholder

1. Credit option/InterestThe credit option allows the holder of a Principal or Supplemental Card (hereinafter “Cardholder”) to pay the due amount shown on the monthly statement in installments for transactions concluded after expiration of the revocation period (see Art. 3 below). The Bank hereby is to receive the minimum amount by the due date shown on the monthly statement, i.e. 5% of the entire balance but not less than CHF 100. In the event the Bank has not received the due amount by the due date or such amount is less than the minimum amount due, the Cardholder shall, without further notice, be deemed in arrears for the entire balance with all of the legal consequences pertaining thereto. Such failure by the Cardholder shall also cause the entire balance of any other statements for which the Cardholder is responsible to become immediately due and payable. Any amounts over and above the spending limit must be paid immediately. The annual interest rate due on outstanding amounts depends on the Cardholder’s payment history but shall not exceed 15%. Any partial payments shall first be applied to the payment of interest due.

2. Credit worthiness/Spending limit/Overall limitThe spending limit is based on the credit check and is notified to the Cardholder together with a copy of this document and the credit card. Said limit shall be no more than 15% (for Classic Cards) or 20 % (for Gold Cards) of the annual income or fraction thereof shown on the Card Application. As a rule, the maximum amount is set at CHF 10,000 (for Classic Cards) and CHF 90,000 (for Gold Cards).A credit check is conducted on the basis of the information provided by the Cardholder on the Card Application. Such information is verified through inquiries made to the Clearing House for Consumer Credit (IKO) and the Center for Credit Information (ZEK). Additional information may be obtained from public authorities, employer or from the Cardholder›s banks.

The spending limit determined for the Principal Cardholder is to be understood as an overall limit for his Principal and Additional Cards whereby the total of all card transactions must not exceed this overall limit. Similarly, the spending limit determined for the Supplemental Cardholder is to be understood as a combined spending limit for all his Supplemental Cards.

The Bank reserves the right to modify the spending limit at any time upon notification in writing to the Cardholder. The Cardholder is to inform the Bank immediately of any adverse change in his financial situation.

3. Revocation and TerminationThe Cardholder has the right to revoke this Credit Agreement in writing within 7 days following receipt of the duplicate of this document. The Bank is entitled to cancel in writing at any time the credit option by giving a 30 days› notice. Furthermore, this Credit Agreement expires with the expiration of the Credit Card Agreement.

4. MiscellaneousAny amendments to this Credit Agreement must be made in writing. Also applicable are the General Terms and Conditions for Cornèrcard Visa and Cornèrcard MasterCard cards of Cornèr Bank Ltd. made available to the Cardholder together with a copy of the Card Application, the Credit Agreement as well as the Card (may be viewed at www.cornercard.ch or ordered by calling (0)844 00 41 41.Edition 01/2011

Legal Protection Insurance

Payment Protection Insurance: By signing this Enrollment, I am purchasing Payment Protection Insurance for the outstanding balance

on my Principal Card and, if applicable, any Supplemental Cards. Transactions carried out with any Additional Cards are covered only to the extent insurance protection is provided for the Principal Card. Policyholder is Cornèr Bank Ltd., insurers are AIG Life Insurance Company (Switzerland) Ltd, Via Camara 19, 6932 Breganzona (death benefit) and AIG Europe Limited, London, Opfikon Branch, Sägereistrasse 29, 8152 Glattbrugg (all other risks).Claims can only be exercised against the insurance companies. The monthly premium amounts to 0.49% of the outstanding balance shown on your monthly statement and shall be charged to your billing unit directly.Insurance protection covers the following risks:1. Death due to illness or accident: Payment of insured outstanding balance pursuant to GTI up to CHF 10’000 (gold card: CHF 40’000).2. Temporary total incapacity for work: If incapacity for work lasts more than 60 consecutive days, insurer will pay 10% of the insured outstanding balance per month up to CHF 1’000 (gold card: CHF 1’500) pursuant to GTI.3. Permanent total disability: Payment of the insured outstanding balance pursuant to GTI up to CHF 10’000 (gold card: CHF 15’000).4. Involuntary loss of employment: If unemployment lasts more than 60 consecutive days, insurer will pay 10% of the insured outstanding balance per full 30-day period of consecutive unemployment pursuant to the GTI. Payment will be made in no more than 10 monthly installments up to CHF 1’000 per month (gold card: CHF 1’500). Applying for Payment Protection Insurance, I hereby certify that I am between 18 and 62 years old, reside in Switzerland or in the Principality of Liechtenstein (the enclaves of Büsingen am Hochrhein (DE) and Campione d’Italia (IT) are excluded), have been employed for more than 6 months and at least 16 hours a week (self-employed are not entitled to unemployment coverage), that my current employment is for an indefinite period and I have not been given notice, I do not plan to take early retirement in the immediate future, have not been absent in part or in full from work due to illness or accident for more than 25 workdays during the last 12 months, have not been treated on an in-patient basis for more than 20 successive days and am not scheduled for admission to a hospital.Coverage begins on the date shown in the letter of coverage confirmation (and upon compliance with the above terms) and remains in effect only to the extent all due premiums are paid and my card has not been blocked permanently (due to pending collection or bankruptcy proceedings). Coverage also ends upon termination and return of all cards included in the same billing unit and upon full payment of the outstanding balance. My insurance ends automatically with my 75th birthday but ends with my 65th birthday in the event of incapacity for work, disability or unemployment.Excerpt GTI 11.2013 – edition 11.2013

Travel InsuranceAGA International S.A., Paris, Wallisellen branch (Switzerland), Hertistrasse 2, 8304 Wallisellen, Switzerland is the insurance carrier for Travel Insurance.Insurance coverage– Travel cancellation– Delayed travel departure– Discontinued travel or early return– Prorated refund of stay-related expenses– Additional expenses at destination – Search and rescue costs including transportation– Repatriation or return journey in the event of medical necessity – Advance on costs – Deductible waiver for rental cars (CDW)Upon occurrence of the insured event, owed cancellation charges or documented additional expenses (in the event of delayed departure) will be refunded.Commencement and durationCoverage begins as soon as the registration has been received by Cornèrcard and is concluded for a period of one year. Unless the insurance is terminated at least two months prior to expiration, it will be extended tacitly for another year. If the Card is cancelled in writing, coverage shall end when the Card expires.ConditionsInsurance applies provided at least 51% of the travel arrangements/car rentals have been paid for in advance with Cornèrcard.Annual premium– Individual coverage: CHF 35– Family coverage: CHF 49Benefits– Individual coverage: up to CHF 10,000 per insured event– Family coverage: up to CHF 10,000 per insured person and event; up to CHF 40,000 per insured eventExcerpt GTI 01.2014 – 01.2014 edition

Flight Accident Insurance: ACE Insurance (Switzerland) Limited, Bärengasse 32, 8001 Zurich, Switzerland, is the insurance carrier for Flight Accident Insurance.Insurance coverage:− Flight accidents when traveling on an air carrier − Accidents when traveling on a public carrier (bus, taxi or train) authorized to transport passengers from or to an airport, in direct connection with an insured flight.Commencement and duration: Coverage begins as soon as the registration has been received by Cornèrcard and is concluded for a period of one year. Unless the insurance is terminated at least two months prior to expiration, it will be extended tacitly for another year. If the Card is cancelled in writing, coverage shall end when the Card expires.Conditions: Insurance applies worldwide provided at least 51% of all costs of air travel have been paid for in advance with Cornèrcard.Annual premium: Individual coverage: CHF 45Benefits:− In the event of death: CHF 500,000− In the event of permanent disability: up to CHF 500,000Excerpt GTI 04.2013 – edition 01.2011

Signature

Place/Date (*) Signature of the Principal Card Applicant

Place/Date (*) Signature of the Additional Card Applicant

By signing I confirm that I have taken note of, and understood, the above information.

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Cornèr Banca SA, Cornèrcard, Via Canova 16, 6901 Lugano Tel: +41 91 800 41 41, Fax: +41 91 800 55 66, info@cornercard.ch, cornercard.ch