Common use of Bank is entitled to Clause in Contracts

Bank is entitled to. 16.26.1 Draw an amount from any of the Client’s accounts by direct debit, without the Client’s further consent in order to settle any of his/her liabilities before the Bank anytime after such a liability arises (the Client’s account(s) in the same currency as the Client’s liability will be debited on a priority basis to settle the liability). If the currency of the liability is different from the currency of the Client’s account, the equivalent amount is established based on the Bank’s exchange rate at the moment of drawing. 16.26.2 Transfer service fees payable to the National Agency of Civil Registry, Service Agency of the Ministry of Internal Affairs and/or other administrative bodies and/or other fees related to loan issuance (including insurance premium) from any account of the customer to the account of the corresponding person without customer’s subsequent approval (without notice); 16.26.3 Write off corresponding amount from any account of the customer, convert it into national currency, transmit it to customer’s GEL account and retransfer the amount to the account of the corresponding person at any time without his/her subsequent approval (without notice) in order to repay for the item or services purchased by the customer through the loan issued by the bank. 16.26.4 If a scheduled payment (on any credit facility) under any additional agreement executed within the scope hereof becomes overdue for 14 (fourteen) days, inform thereon the person(s) indicated in the Client’s credit facility application (family members, referees, contact persons, etc.). Furthermore, the Bank is authorised to reach out to person(s) (family members, referees, contact persons, etc.) indicated in any credit facility application of the Client (including for credit facilities already closed/cancelled) and/or person(s) who have deposited/transferred cash to the Client’s account(s) exclusively for the purpose of establishing the Client’s whereabouts/ contact information, to which the Client agrees in advance. 16.26.5 In the case of overdue payment of the amount, specified in the schedule of any additional contract (any credit product) concluded on the basis of this Contract for 2 (two) days, to block the bank accounts of the borrower and/or the client’s guarantor(s) – limit active operations to/from accounts (withdrawal, transfer, conversion of amount, etc.). Only performance of incoming transfer/ amount depositing operations will be possible on the account(s). 16.26.6 For securing the Client’s obligations under any additional agreement signed in reliance on this Agreement (any credit facility), block the amount deposited in the Client’s bank account(s) payable according to the schedule of a relevant credit facility (restrict the Client’s right to use the mentioned amount), at any time on the scheduled day/date of payment.

Bank is entitled to. 16.26.1 Draw an amount from any of the Client’s accounts by direct debit, without the Client’s further consent in order to settle any of his/her liabilities before the Bank anytime after such a liability arises (the Client’s account(s) in the same currency as the Client’s liability will be debited on a priority basis to settle the liability). If the currency of the liability is different from the currency of the Client’s account, the equivalent amount is established based on the Bank’s exchange rate at the moment of drawing. 16.26.2 Transfer service fees payable to the National Agency of Civil Registry, Service Agency of the Ministry of Internal Affairs and/or other administrative bodies and/or other fees related to loan issuance (including insurance premium) from any account of the customer to the account of the corresponding person without customer’s subsequent approval (without notice); 16.26.3 Write off corresponding amount from any account of the customer, convert it into national currency, transmit it to customer’s GEL account and retransfer the amount to the account of the corresponding person at any time without his/her subsequent approval (without notice) in order to repay for the item or services purchased by the customer through the loan issued by the bank. 16.26.4 If a any scheduled payment (on any credit facility) under any additional agreement executed Additional Agreement (om any Credit Facility) made within the scope hereof becomes overdue for is 14 (fourteen) daysdays overdue, inform thereon report the person(s) delay to the following persons related to the Client: persons indicated in any Credit Facility Application submitted by the Client (the Client’s credit facility application (family members, referees, contact persons, persons etc.). Furthermore, the Bank is authorised has the right to reach out to person(s) (family members, referees, contact persons, etc.) indicated in any credit facility application of the Client (including for credit facilities already closed/cancelled) and/or person(s) those persons who have depositedtransferred/transferred cash paid funds to the Client’s account(s) exclusively for with the purpose of establishing sole intention to find out the Client’s whereabouts/ contact informationwhereabouts, to which the Client agrees in advance. 16.26.5 In the case of overdue payment of the amount, specified in the schedule of any additional contract (any credit product) concluded on the basis of this Contract for 2 (two) days, to block the bank accounts of the borrower and/or the client’s guarantor(s) – limit active operations to/from accounts (withdrawal, transfer, conversion of amount, etc.). Only performance of incoming transfer/ amount depositing operations will be possible on the account(s). 16.26.6 For securing the Client’s obligations under any additional agreement signed in reliance on this Agreement (any credit facility), block the amount deposited in the Client’s bank account(s) payable according to the schedule of a relevant credit facility (restrict the Client’s right to use the mentioned amount), at any time on the scheduled day/date of payment.

Bank is entitled to. 16.26.1 Draw an amount from any of the Client’s accounts by direct debit, without the Client’s further consent in order to settle any of his/her liabilities before the Bank anytime after such a liability arises (the Client’s account(s) in the same currency as the Client’s liability will be debited on a priority basis to settle the liability). If the currency of the liability is different from the currency of the Client’s account, the equivalent amount is established based on the Bank’s exchange rate at the moment of drawing. 16.26.2 Transfer service fees payable to the National Agency of Civil Registry, Service Agency of the Ministry of Internal Affairs and/or other administrative bodies and/or other fees related to loan issuance (including insurance premium) from any account of the customer to the account of the corresponding person without customer’s subsequent approval (without notice); 16.26.3 Write off corresponding amount from any account of the customer, convert it into national currency, transmit it to customer’s GEL account and retransfer the amount to the account of the corresponding person at any time without his/her subsequent approval (without notice) in order to repay for the item or services purchased by the customer through the loan issued by the bank. 16.26.4 If a any scheduled payment (on any credit facility) under any additional agreement executed Additional Agreement (om any Credit Facility) made within the scope hereof becomes overdue for is 14 (fourteen) daysdays overdue, inform thereon report the person(s) delay to the following persons related to the Client: persons indicated in any Credit Facility Application submitted by the Client (the Client’s credit facility application (family members, referees, contact persons, persons etc.). Furthermore, the Bank is authorised has the right to reach out to person(s) (family members, referees, contact persons, etc.) indicated in any credit facility application of the Client (including for credit facilities already closed/cancelled) and/or person(s) those persons who have depositedtransferred/transferred cash paid funds to the Client’s account(s) exclusively for with the purpose of establishing sole intention to find out the Client’s whereabouts/ contact informationwhereabouts, to which the Client agrees in advance. 16.26.5 In the case of overdue payment of the amount, specified in the schedule of any additional contract (any credit product) concluded on the basis of this Contract for 2 14 (twofourteen) days, to block the bank accounts of the borrower and/or the client’s guarantor(s) – limit active operations to/from accounts (withdrawal, transfer, conversion of amount, etc.). Only performance of incoming transfer/ amount depositing operations will be possible on the account(s). 16.26.6 For securing the Client’s obligations under any additional agreement signed in reliance on this Agreement (any credit facility), block the amount deposited in the Client’s bank account(s) payable according to the schedule of a relevant credit facility (restrict the Client’s right to use the mentioned amount), at any time on the scheduled day/date of payment.