Common use of Card Security Service Clause in Contracts

Card Security Service. 20.1. Card Security Service represents the product of the Bank, which aims to protect the customers – the Bank cardholders in Georgia as well as abroad should be protected from the losses caused by the illegal use of the card through the third person by using money access machine, terminals and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card in accordance with the norms of the agreement and the limits relevant to the customer. 20.3. To have a plastic card of the Bank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hard-copy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service. 20.8. The Card Security Service comes into force after deducted the service fee from the cardholder’s account. 20.9. Commission fee for the Card Security Service shall be deducted annually without acceptance, from the accounts linked to the respective card. The term for the purpose of commission fees shall be calculated from the date of registration of the Card Security Service until expiration of the card. 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reason. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account. 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed. 20.12. Card Security Service shall be automatically terminated in case of illegal use of the card or if the card is found invalid for any reason. 20.13. In case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. Card Security Service shall remain in force for the term of validity of the bank plastic card, except for the exceptional cases stipulated by this agreement. 20.15. Amount of the limit for one Card Security Service shall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.17. The date of consideration of the cardholder’s application by the bank is:

Card Security Service. 20.1. Card Security Service represents the product of the Bank, which aims to protect the customers – the Bank cardholders in Georgia as well as abroad should be protected from the losses caused by the illegal use of the card through the third person by using money access machine, terminals and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card in accordance with the norms of the agreement and the limits relevant to the customer. 20.3. To have a plastic card of the Bank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hard-copy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the relevant registration takes place. 20.620.5. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.720.6. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service. 20.820.7. The Card Security Service comes into force after deducted the service fee from the cardholder’s account. 20.920.8. Commission fee for the Card Security Service shall be deducted annually without acceptance, from the accounts linked to the respective card. The term for the purpose of commission fees shall be calculated from the date of registration of the Card Security Service until expiration of the card. 20.1020.9. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reason. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account. 20.1120.10. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed. 20.1220.11. Card Security Service shall be automatically terminated in case of illegal use of the card or if the card is found invalid for any reason. 20.1320.12. In case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.1420.13. Card Security Service shall remain in force for the term of validity of the bank plastic card, except for the exceptional cases stipulated by this agreement. 20.1520.14. Amount of the limit for one Card Security Service shall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.1620.15. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.1720.16. The date of consideration of the cardholder’s application by the bank is:

Card Security Service. 20.1. The Card Security Service represents the product of the Bank, which aims to protect the is a banking facility aimed at protecting customers – the Bank cardholders Cardholders – from the consequences of a third party’s unlawful use of the card at ATMs, POS terminals and via the Internet in Georgia as well as abroad should be protected abroad, and/or from the losses caused an error that may occur during a transaction carried out by the illegal Client, pursuant to terms and conditions envisaged in this Agreement and the Card Security Service Application. The service applies to payment card(s) selected/indicated in the Card Security Service Application and the account(s) linked thereto 20.2. Under this Service, the Bank will refund the Cardholder for an unlawful use of the card through and/or the third person by using money access machine, terminals failed transaction pursuant to terms and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card conditions envisaged in accordance with the norms of the agreement this Agreement and the limits relevant to the customer.Card Security Service Application and within respective refund limits 20.3. To have a plastic card of the Bank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hard-copy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service. 20.8. The Card Security Service comes into force card security service becomes valid immediately after deducted the card security service fee is deducted from the cardholder’s account.account (or upon charging the tariff plan price if the tariff plan covers the card security service). Each subsequent fee will be charged after 1 (one) calendar year has passed from the date of drawing the fee in the previous calendar year 20.9. Commission The card security service fee for the Card Security Service shall will be deducted annually without acceptance, from the accounts account linked to the respective cardcard (to which the security service applies) by direct debit (without the Client’s further consent). The term for Furthermore, if there is insufficient balance in the account to which the card security service applies, the Bank may draw the amount from any other account of the Client (may debit any other account of the Client). For the purpose of commission fees charging the fee, the term of the security service shall be calculated from deemed started on the card security service registration date of registration of (the Card Security Service effective date thereof) and continue until expiration the expiry date of the card.. If the Client buys the card security service less than 1 (one) calendar year before the card expires, the Bank will provide the card security service until the expiry date of the card in return for the annual fee charged 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reason. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account. 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed. 20.12. Card Security Service shall be automatically terminated in The number of refunds under the card security service: 20.12.1. In the case of illegal failed transactions: max. two refunds per card annually, from the effective date of the card security service (within the respective security service limit), but not more than 6 refunds annually for all cards of the Client. 20.12.2. In the case of an unlawful third party use of the card: The card security service applies on a one-time basis and terminates upon the first event of an unlawful use of the card. Furthermore, if the Client has already used the maximum number of failed transaction refunds, an unlawful third party use of the card or if the card is found invalid for any reason.not subject to refund 20.13. In case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. The card security service is valid until the card expiry date, with exclusions provided for in this Agreement and/or the Card Security Service shall remain in force for Application. The card security service terminates upon the term of validity cancellation of the bank plastic cardcard irrespective of causes thereof. Furthermore, except the Bank may cancel the card security service in the events provided for in this Agreement (including in Paragraphs 20.19; 20.20; 20.21) and/or the exceptional cases stipulated by this agreement.Card Security Service Application 20.15. Amount of the limit for one Card Security Service shall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.17. The date of consideration of the cardholder’s application by the bank is:

Card Security Service. 20.1. The Card Security Service represents the product of the Bank, which aims to protect the is a banking facility aimed at protecting customers – the Bank cardholders Cardholders – from the consequences of a third party’s unlawful use of the card at ATMs, POS terminals and via the Internet in Georgia as well as abroad should be protected abroad, and/or from the losses caused an error that may occur during a transaction carried out by the illegal Client, pursuant to terms and conditions envisaged in this Agreement and the Card Security Service Application. The service applies to payment card(s) selected/indicated in the Card Security Service Application and the account(s) linked thereto 20.2. Under this Service, the Bank will refund the Cardholder for an unlawful use of the card through and/or the third person by using money access machine, terminals failed transaction pursuant to terms and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card conditions envisaged in accordance with the norms of the agreement this Agreement and the limits relevant to the customer.Card Security Service Application and within respective refund limits 20.3. To have a plastic card of the Bank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hard-copy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service. 20.8. The Card Security Service comes into force card security service becomes valid immediately after deducted the card security service fee is deducted from the cardholder’s account.account (or upon charging the tariff plan price if the tariff plan covers the card security service). Each subsequent fee will be charged after 1 (one) calendar year has passed from the date of drawing the fee in the previous calendar year 20.9. Commission The card security service fee for the Card Security Service shall will be deducted annually without acceptance, from the accounts account linked to the respective cardcard (to which the security service applies) by direct debit (without the Client’s further consent). The term for Furthermore, if there is insufficient balance in the account to which the card security service applies, the Bank may draw the amount from any other account of the Client (may debit any other account of the Client). For the purpose of commission fees charging the fee, the term of the security service shall be calculated from deemed started on the card security service registration date of registration of (the Card Security Service effective date thereof) and continue until expiration the expiry date of the card.. If the Client buys the card security service less than 1 (one) calendar year before the card expires, the Bank will provide the card security service until the expiry date of the card in return for the annual fee charged 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reason. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account. 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed. 20.12. Card Security Service shall be automatically terminated in The number of refunds under the card security service: 20.12.1. In the case of illegal failed transactions: max. two refunds per card annually, from the effective date of the card security service (within the respective security service limit), but not more than 6 refunds annually for all cards of the Client. 20.12.2. In the case of an unlawful third party use of the card: The card security service applies on a one-time basis and terminates upon the first event of an unlawful use of the card. Furthermore, if the Client has already used the maximum number of failed transaction refunds, an unlawful third party use of the card or if the card is found invalid for any reason.not subject to refund 20.13. In case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. The card security service is valid until the card expiry date, with exclusions provided for in this Agreement and/or the Card Security Service shall remain in force for Application. The card security service terminates upon the term of validity cancellation of the bank plastic cardcard irrespective of causes thereof. Furthermore, except the Bank may cancel the card security service in the events provided for in this Agreement (including in Paragraphs 20.19; 20.20; 20.21) and/or the exceptional cases stipulated by this agreement.Card Security Service Application 20.15. Amount of the limit for one Card Security Service shall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible Bank’s authority under paragraph 12.5.1.3 hereof to inform block the amount(s) compensated to the Customer will not apply to the amount(s) compensated by the Bank immediately in case of any illegal use of to the card; inform the bank with the additional statement Customer within the 60 (sixty) working days after amount limits under the case exposure, in which will be defined the facts and conditions of service when using the card illegallysecurity service. 20.17. The date of consideration of the cardholder’s application by the bank is:

Card Security Service. 20.1. Card Security Service represents the product of the Bank, which aims to protect the customers – the custom±etrhse Bank cardholders in Georgia as well as abroad should be protected from the losses caused by the illegal use of the card through the third person by using money mnoey access machine, terminals and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card in accordance with the norms of the agreement and the limits relevant to the customer. 20.3. To have a plastic card of the Bank thBe ank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hardh-copy acrodpy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the whetrhee relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service.Servic.e 20.8. The Card Security Service comes into force after deducted the service fee from the cardholder’s account.theYsLerFH IHH IURP WKH FDUGKR 20.9. Commission fee for the Card Security Service shall be deducted annually without acceptance, from the accounts linked to the respective card. The term for the purpose of commission fees shall be calculated from the date of registration of the Card Security Service until expiration of the card.ca. rd 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reasonFRPPLVVLRQ IHH FDQQRW EH GHGXFWHG IURsPervicWe KshHall bFe XVWRPH UHDFWLYDWHG IURP WKH GD\ ZKHQ WKH FRPPLV. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account.VLRQ IHH LV 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed.reimburse. d 20.12. Card Security Service shall be automatically terminated in case of illegal use of the card or if the card is found invalid for any reason. 20.1300.00. In Xx case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. Card Security Service shall remain in force for the term of validity of the bank plastic card, except for the exceptional cases stipulated by this agreement. 20.15. Amount of the limit for one Card Security Service shall Serviceshall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.17. 7KH GDWH RI FRQVLGHUDWLRQ RI WKH FDUGKROGHU¶V DSSOL 20.16.1. 20 (Twenty) working days forthe operations performed in frame of the local operations. 20.16.2. 50 (fifty) working days for all the other operations. 20.18. The date Bank is responsible to make a demand/request while the cardholder is obliged to represent additional written statement about the facts ouf sing the card illegally from the relevant Legal Authority (or from the competent foreign authority) or any other information/document that will help the Bank to make a decision for reimbursing the losses caused by the illegal use of consideration the card to thero. wIf nthee Bank will not be provided with the above mentioned documents/information it is free and not obliged any more to take the card security service norms into consideration. 00.00. Xxxx shall not reimburse: 20.18.1 If the amount of losses caused by tihllegal use of the card exceeds the limit agreed with the client. 20.18.2 If the card was used illegally with the permission of the owner by the third person or/and by the relative or family member of the cardholder’s application . 20.18.3 Upon occurrence of the eventsSsHFLILHG E\ WKH /DZ RI *HRUJLD DERXW VHUYLFHV¶ 20.18.4 If the cardholder did not provide the lock of the lost/stolen card timely. 20.18.5 If there is the fact of cheating or intended accusation act by the bank is:cardholder.

Card Security Service. 20.1. Card Security Service represents the product of the Bank, which aims to protect the customers – the custom±etrhse Bank cardholders in Georgia as well as abroad should be protected from the losses caused by the illegal use of the card through the third person by using money mnoey access machine, terminals and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card in accordance with the norms of the agreement and the limits relevant to the customer. 20.3. To have a plastic card of the Bank thBe ank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hardh-copy acrodpy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the whetrhee relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service.Servic.e 20.8. The Card Security Service comes into force after deducted the service fee from the cardholder’s account.theYsLerFH IHH IURP WKH FDUGKR 20.9. Commission fee for the Card Security Service shall be deducted annually without acceptance, from the accounts linked to the respective card. The term for the purpose of commission fees shall be calculated from the date of registration of the Card Security Service until expiration of the card.ca. rd 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reasonFRPPLVVLRQ IHH FDQQRW EH GHGXFWHG IURsPervicWe KshHall bFe XVWRPH UHDFWLYDWHG IURP WKH GD\ ZKHQ WKH FRPPLV. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account.VLRQ IHH LV 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed.reimburse. d 20.12. Card Security Service shall be automatically terminated in case of illegal use of the card or if the card is found invalid for any reason. 20.1300.00. In Xx case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. Card Security Service shall remain in force for the term of validity of the bank plastic card, except for the exceptional cases stipulated by this agreement. 20.15. Amount of the limit for one Card Security Service shall Serviceshall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.17. 7KH GDWH RI FRQVLGHUDWLRQ RI WKH FDUGKROGHU¶V DSSOL 20.16.1. 20 (Twenty) working days forthe operations performed in frame of the local operations. 20.16.2. 50 (fifty) working days for all the other operations. 20.18. The date Bank is responsible to make a demand/request while the cardholder is obliged to represent additional written statement about the facts ouf sing the card illegally from the relevant Legal Authority (or from the competent foreign authority) or any other information/document that will help the Bank to make a decision for reimbursing the losses caused by the illegal use of consideration the card to thero. wIf nthee Bank will not be provided with the above mentioned documents/information it is free and not obliged any more to take the card security service norms into consideration. 00.00. Xxxx shall not reimburse: 20.18.1 If the amount of losses caused by thegilalel use of the card exceeds the limit agreed with the client. 20.18.2 If the card was used illegally with the permission of the owner by the third person or/and by the relative or family member of the cardholder’s application . 20.18.3 Upon occurrence of the events spIecLi HG E\ WKH /DZ RI *HRUJLD DERXW µ3 VHUYLFHV¶ 20.18.4 If the cardholder did not provide the lock of the lost/stolen card timely. 20.18.5 If there is the fact of cheating or intended accusation act by the bank is:cardholder.

Card Security Service. 20.1. Card Security Service represents the product of the Bank, which aims to protect the customers – the custom±ethres Bank cardholders in Georgia as well as abroad should be protected from the losses caused by the illegal use of the card through the third person by using money mnoey access machine, terminals and internet. 20.2. In frames of the service the Bank reimburses the losses caused by the illegal use of the card in accordance with the norms of the agreement and the limits relevant to the customer. 20.3. To have a plastic card of the Bank thBe ank is an essential condition for getting the card security service. 20.4. The Client can confirm the Card Security Service Application and changes thereto by an SMS code, which shall have the same legal force as a hardh-copy acrodpy document signed by the Client. 20.5. For getting the service mentioned in this Article the owner of the card states his/her desire with the representatives of the Bank; the bank's service center/branch, where he/she fills an appropriate application, or through the bank's telephone service, where the whertehe relevant registration takes place. 20.6. Amount of limit for the Card Security Service and the commission fees for the service stipulated by the limits are given at the web-page of the Bank, in the leaflets, booklets, brochures, application for receipt of the service and other various informational channels/materials. 20.7. Commission fee for the Card Security Service shall be determined according to the amount of limit for the Card Security Service.Servic.e 20.8. The Card Security Service comes into force after deducted the service fee from the cardholder’s account.theYsLerFH IHH IURP WKH FDUGKR 20.9. Commission fee for the Card Security Service shall be deducted annually without acceptance, from the accounts linked to the respective card. The term for the purpose of commission fees shall be calculated from the date of registration of the Card Security Service until expiration of the card.ca. rd 20.10. Service corresponding to the Card Security Service shall be deemed as suspended, if the annual commission fee cannot be deducted from the customer’s account for any reason. The service shall be reactivated from the day when the commission fee is deducted from the cardholder’s account.IHH FDQQRW EH GHGXFWHG IURP WKHservFicXe sVhaWllRbePrHeaUcti¶vaVted fDroFm FRXQW WKH GD\ ZKHQ WKH FRPPLVVLRQ IHH .LV GHGXFWHG IURP WK 20.11. During the period when the Card Security Service is suspended, illegal transactions carried out with the respective card shall not be reimbursed.reimburse. d 20.12. Card Security Service shall be automatically terminated in case of illegal use of the card or if the card is found invalid for any reason. 20.1300.00. In Xx case of cancellation, loss of or damage to the card prior to its expiration, the Card Security Service linked to the card shall also be subject to cancellation. 20.14. Card Security Service shall remain in force for the term of validity of the bank plastic card, except for the exceptional cases stipulated by this agreement. 20.15. Amount of the limit for one Card Security Service shall Serviceshall apply to one card only. It is unacceptable to apply several limits of the Card Security Service to a single card. 20.16. The cardholder is responsible to inform the Bank immediately in case of any illegal use of the card; inform the bank with the additional statement within the 60 (sixty) working days after the case exposure, in which will be defined the facts and conditions of using the card illegally. 20.17. 7KH GDWH RI FRQVLGHUDWLRQ RI WKH FDUGKROGHU¶V DSSOL 20.16.1. 20 (Twenty) working days forthe operations performed in frame of the local operations. 20.16.2. 50 (fifty) working days for all the other operations. 20.18. The date Bank is responsible to make a demand/request while the cardholder is obliged to represent additional written statement about the facts ouf sing the card illegally from the relevant Legal Authority (or from the competent foreign authority) or any other information/document that will help the Bank to make a decision for reimbursing the losses caused by the illegal use of consideration the card to the or.wIfntehe Bank will not be provided with the above mentioned documents/information it is free and not obliged any more to take the card security service norms into consideration. 00.00. Xxxx shall not reimburse: 20.18.1 If the amount of losses caused by thegilalel use of the card exceeds the limit agreed with the client. 20.18.2 If the card was used illegally with the permission of the owner by the third person or/and by the relative or family member of the cardholder’s application . 20.18.3 Upon occurrence of the events spIecLi HG E\ WKH /DZ RI *HRUJLD DERXW µ3 VHUYLFHV¶ 20.18.4 If the cardholder did not provide the lock of the lost/stolen card timely. 20.18.5 If there is the fact of cheating or intended accusation act by the cardholder. 00.00. Xxxx reserves the right to refuse providing the norms of the card security service, if there will be found illegal/suspicious transaction request reimbursement on three different cards by the one client during the one working year. 20.21. The bank is:shall retain the right for early termination of the Card Security Service for any reason. The customer shall be notified thereof via the short message service (in accordance with subparagraph 13.2.4.2 of the Agreement) sent to the mobile phone recorded at the Bank. In such cahse ,Btank shall render the service stipulated by this article of the agreement to the cardholder within the term of received commission fee only. 20.22. If the illegal use of the card or/and its cash balance is ensured by the third person, cardholder, with the request of reimbursing the losses caused by the illegal use of the card, should address, first of all, to this third person. In addition, Bank is responsible to reimburse the losses caused by the illegal use of the card only if (in accordance with the conditoi ns and limits set by the rules) the losses caused by the illegal use was not fully reimbursed in the frames of the reimbursement performed by the insurance person. Also, if the insurance person refuses making any reimbursement, the cardholder is obligoepdrot vide the Bank with the confirmation document about the reimbursement refusal by the insurance person at the moment of making request about the reimbursement of the losses caused by the illegal use of the card. After which, in terms of the conditions and norms accepted by the Bank will be done the reimbursement of the losses caused by the illegal use of the card. 00.00. Xx frames of the relevant limits toward the cardholder accepted by the Bank, the cardholder is responsible for canceling this concrete plasticard after making reimbursement of the losses caused by the illegal use of the plastic card by the third person. Otherwise, the bank shall unilaterally terminate the card security service.