Conditions of participation Pluscard - Version 3.0

1. purpose

Magazine zum Globus AG "Globus" provides you with a Globus Pluscard ("Pluscard") free of charge to enable you to enjoy discounts and other benefits. The Pluscard can be provided as a card and/or as an app. This contract is concluded between you and Globus. The following agreements are made:

2. bonus programme

With your Pluscard, you automatically take part in the Globus bonus programme free of charge. You benefit from discounts and other advantages such as special offers exclusively for Pluscard holders.

3. period of validity and use of your Pluscard

Your Pluscard may have an expiry date. In this case, your Pluscard is valid until this expiry date and will be renewed automatically. Your Pluscard is personal and non-transferable. If a signature is required, you must sign the card as soon as you receive it and destroy the old card immediately. Such a card is only valid with your signature. Your Pluscard remains the property of Globus at all times and can be reclaimed without giving reasons.

4. pluscard with payment function

4.1 Payment function

In addition to participation in the bonus programme, the Pluscard also enables cashless shopping

"Payment function" at Globus. You must expressly apply for the Pluscard with payment function. Your application may be rejected without giving reasons. This contract is concluded between you and Globus for the payment function.

The Pluscard with payment function is free of charge (no annual fee) and authorises you to make cashless payments. The corresponding purchases of goods and services and the resulting receivables are deemed to have been authorised by you:

a) upon signature of the sales receipt or

b) by stating the name, card number and expiry date, in particular for distance transactions such as telephone, correspondence and Internet purchases, or

c) by other authenticating details such as official ID, fingerprint, password or PIN at Globus' discretion.

4.2 Additional cards

You can authorise persons living in the same household to use your Pluscard with payment function ("additional cards"). As the holder of the Pluscard, you have unlimited liability for all obligations arising from the use of additional cards. You are obliged to ensure compliance with these agreements when using additional cards. Additional cards can be given the same digital access to the Pluscard as your own Pluscard.

4.3 Creditworthiness check

For the payment function, your creditworthiness will be checked individually on the basis of the information you provide about your income situation. You authorise us to obtain all the information required to check your application and to process this contract (e.g. previously registered consumer loans, personal details, solvency and other obligations) from public offices, private bodies and credit agencies as well as from the Central Office for Credit Information and the Consumer Credit Information Office (ZEK/IKO).

You acknowledge and recognise that this contract will be reported to the IKO in accordance with the Consumer Credit Act. In addition, you authorise the ZEK to report this contract, including any outstanding amount in the event of card blocking, misuse of the card or qualified payment arrears. The ZEK is authorised to make this data available to other members of the ZEK.

4.4 Credit limit

The maximum credit limit for the Pluscard with payment function is CHF 10,000 (including any additional cards). You can be granted a provisional credit limit of CHF 499 at any time upon request, which may not be exceeded.

You will be informed of your individual credit limit in writing when you receive your copy of the contract after a successful credit check. The credit limit can be adjusted at any time and you will also be notified of this. If you do not submit a written counter-report within 10 days, you will be deemed to have accepted the communicated limit.

It is possible to exceed the individual credit limit in the short term if the outstanding amount is reduced again accordingly after receipt of the next statement. You are obliged to use the Pluscard only to the extent that you are able to pay the outstanding amounts on time.

4.5 Billing

The monthly (collective) statement contains the receivables for the purchases of goods and services made. The monthly statement does not give rise to a new claim. Statements that are not objected to in writing within 4 weeks of the date of issue are deemed to have been recognised by you.

4.6 Payment obligation and conditions

You undertake to pay all claims resulting from purchases of goods and services with the Pluscard plus any fees and interest. The latter can be found in the fee table and may be adjusted by Globus at any time, in particular if the cost structure changes, which will be communicated to you in a suitable form (e.g. on the statement).

The statements are due for payment upon receipt. You owe an annual interest rate of 12% (0,94% per month) on all transaction amounts from the billing date until full payment. Globus may change the annual interest rate at any time, in particular if the maximum interest rate is adjusted in accordance with the Ordinance to the Consumer Credit Act. You will be notified of any changes in a suitable form (e.g. on the statement). You have a free choice between two payment options:

a) Settlement of the full amount owed by the end of the month in which the statement was issued. In this case, the interest for the transactions in this billing month will be waived.

b) Monthly payment of at least 10 % of the last settlement amount (rounded up to CHF 10) by the end of the current month. If the settlement amount is less than CHF 500, the minimum payment is CHF 50.

Partial payments shall be deemed to be in arrears without a reminder if the payments are not made as agreed. In this case, in addition to interest, you will also owe reminder fees in accordance with the fee table as well as compensation for all other expenses and costs incurred in connection with the collection of the overdue receivables.

5 Liability and loss of the Pluscard

Report any loss, theft or misuse of your Pluscard immediately by telephone on +41 31 511 66 00. Outside office hours, the report must be made to the Globus branch in Zurich Bahnhofstrasse, telephone +41 58 578 14 71. You are fully liable for any use of your Pluscard up to the time of reporting the loss.

6. change of address

Changes of name and/or address must be reported to Pluscard Service, Schweizergasse 12, 8001 Zurich within 14 days. Notifications sent to the last known address are deemed to have been validly delivered until the notification is received. If you fail to notify us, you will be charged the costs for an address search in accordance with the fee table.

7. handling of data

You agree that historical and future data about you (e.g. name, address, date of birth, gender, email address, telephone number) and data about your activities (e.g. information about payment and order history or relating to the use of your apps or visits to your websites) may be processed. The data is used for the purpose of providing the requested services and developing better services, for the provision and sale of goods, for identity and credit checks, for risk management, for marketing and internal statistics and for analysis purposes, in particular shopping basket analyses. The data may be forwarded to other companies in the Central Group, which may also use it for the purposes described here.

Globus' privacy policy, which can be accessed online at globus.ch/data-protection, forms part of these conditions of participation.

8. commissioning of third parties

Globus is authorised to commission third parties in whole or in part for the processing of all services arising from the contractual relationship. You authorise Globus to provide these service providers with the data required to fulfil the assigned tasks. The service providers are contractually obliged to comply with the Swiss level of data protection.

9. contract cancellation, blocking

This contract may be cancelled by either party at any time without notice and without stating reasons. Cancellation of the Pluscard with payment function shall result in all outstanding amounts becoming due for payment immediately upon receipt of the statement. If the Pluscard is cancelled, any additional cards shall also be deemed to have been cancelled. Globus reserves the right to block, withdraw or restrict the use of your Pluscard and any additional cards at any time without stating reasons.

10. changes to these conditions of participation

Globus reserves the right to make changes and improvements to the Pluscard programme or to terminate the programme at any time. The currently valid conditions of participation are available online at globus.ch/ conditions-pluscard. Globus will inform you of such changes in a suitable form (e.g. on the statement). Status updates are carried out annually.

11 Applicable law

This contract is subject to substantive Swiss law.