Instruction No. 09/2021 of June 2

INSTRUCTION NO. 09/2021 of June 2 ASSUNTO: PAYMENT SYSTEM

• Card Protection Service Considering the increased use of the Multicaixa System and the consequent exposure of users to payment card fraud risk; Given the need to implement mechanisms that ensure mitigation of card usage-related fraud risk, as well as strengthening existing card fraud prevention and combat mechanisms, aiming to ensure the security of users of this payment instrument; Pursuant to the combined provisions of Article 6 of Law No. 40/20, of December 16 – the Angolan Payment System Law, Article 51 of Law No. 16/10, of July 15 – the Banco Nacional de Angola Law, and item n) of paragraph 1 of Article 166 of Law 14/21, of May 19 – the General Regime for Financial Institutions Law. HEREBY DETERMINE:

1. Card Protection Service 1.1. Participating banks of the Multicaixa System must create the necessary conditions for implementing the Card Protection Service “Card Protector”, in order to provide Multicaixa card users with the ability to manage their card security, with at least the following functionalities: a) Card blocking and unblocking;

CONTINUATION OF INSTRUCTION NO. 09/2021 Page 2 of 2 b) Definition of the daily transaction value limit for the card, taking into account the maximum values of the Multicaixa network, as stipulated in Instruction 19/20 of December 9. 1.2. The Card Protection Service must be made available through the Multicaixa Express interbank channel and remote bank channels, namely Home Banking or Internet Banking and Mobile Banking. 2. Adaptation Period For the purposes of the preceding paragraph, participants in the Multicaixa System must implement and make available to their respective users the Card Protection Service within a maximum period of 90 (ninety) days in at least one channel and within a maximum period of 120 (one hundred twenty) days in the channels referred to in point 1.2 of paragraph 1 of this Instruction, calculated from the publication date of this Instruction. 3. Non-Compliance Failure to comply with the provisions of this Instruction constitutes an offense provided for and punishable under Law No. 40/20, of December 16, the Angolan Payment System Law. 4. Doubts and Omissions Doubts and omissions arising from the interpretation and application of this Instruction are resolved by the Banco Nacional de Angola. 5. Entry into Force This Instruction enters into force on the date of its publication. PUBLISHED. Luanda, June 3, 2021. THE GOVERNOR JOSÉ DE LIMA MASSANO