Common use of COMMUNICATION BETWEEN THE PARTIES Clause in Contracts

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Customer (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Customer to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the credit indebtedness and other conditions related to the Credit) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Customer and in order to collect the credit indebtedness from the Customer in accordance with the terms and conditions of the Agreement) without any restrictions towards both the Customer as well as the Contact Person. The Customer confirms that the Customer has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph. 6.6. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx/. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.15.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.25.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.15.2.1. In case of sending a written notice message by a courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.25.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.35.2.3. in case of sending notice through mobile-bank, Internet bank and/or other operative means suggested by the Bank – on the following business day after sending, unless otherwise determined for use of such means of communication by rules and regulations established by the Bank. 5.3. A notice shall be deemed received in case the sending Party receives back a the notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.45.4. The Parties shall establish relations carry out communications at the addresses/contact data addresses outlined in the Agreement (or at any other address/contact data address about which one Party will inform the other informs another in writing). A Party shall notify the other Party in a timely manner on change of the above address address(es) or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 5.5. The Depositor is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.13.1. Any official relations communications between the Parties shall be in writing. A written notice sent for a the Party may be delivered personally or sent by a courier (including international courier) or post (including insured post). For the purspose to save purposes of saving time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other another Party may be delivered through email e-mail or other electronic means (including mobile-banking, Internet banking)means, provided that in case of request of the other Party, another Party the written notice will shall be delivered in the a reasonable time as well. 6.23.2. A notice shall be deemed delivered on the delivery date if a the recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.13.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.23.2.2. In case of sending a notice through email by e-mail and/or other electronic means – on the following Banking day following the date Day of sendingsending a notice. 6.33.3. A notice shall be deemed received in case if the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, or if the recipient refuses to accept the notice or avoids receiving a notice. 6.43.4. The Parties shall establish relations communications at the addresses/contact data outlined in the Agreement (or at any other address/contact data address which one Party will inform the other in writing). A Party shall is obliged to notify the other another Party in a timely manner on change of the above address address/addresses or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations communication between the Parties shall be in writing. A The written notice for a intended to the Party may be delivered personally in person or sent by courier (including an international courier) or through a post delivery (including insured postby a registered letter). For urgency and subject to the purspose to save time and taking into account the provisions outlined belowfollowing provisions, except by submitting to the Customer of a claim on early fulfillment for full performance of financial liabilities arising from its obligations under the Agreement in full or notice on full notifying about the complete or partial termination of the Agreement, a notice it is permissible to notify the other Party may be delivered through by email or other electronic means (including mobile-via mobile banking, Internet internet banking), ) provided that in case of upon request of the other Party, the written such notice will shall also be delivered provided in the writing within a reasonable time as welltime. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through by email and/or other electronic means – - on the second Banking day following Day after the date of sending.; 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification by the sent address/contact data, or if the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datait contact data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations communication between the Parties shall be in writing. A The written notice for a intended to the Party may be delivered personally in person or sent by a courier (including an international courier) or through a post delivery (including insured postby a registered letter). For urgency and subject to the purspose to save time and taking into account the provisions outlined belowfollowing provisions, except by submitting to the Customer of a claim on early fulfillment for full performance of financial liabilities arising from its obligations under the Agreement in full or notice on full notifying about the complete or partial termination of the Agreement, a notice it is permissible to notify the other Party may be delivered through by email or other electronic means (including mobile-via mobile banking, Internet internet banking), ) provided that in case of upon request of the other Party, the written such notice will shall also be delivered provided in the writing within a reasonable time as welltime. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by a courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through by email and/or other electronic means – - on the second Banking day following Day after the date of sending.; 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification on the sent address/contact data, the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datatheir data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-bankingbank, Internet bankingbank), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day Day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification on the sent address/contact data, the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datatheir data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed. 6.5. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations communication between the Parties shall be in writing. A The written notice for a intended to the Party may be delivered personally in person or sent by courier (including an international courier) or post through a post-office (including insured postby a registered letter). For urgency and subject to the purspose to save time and taking into account the provisions outlined belowfollowing provisions, except by submitting to the Customer of a claim on early fulfillment for full performance of financial liabilities arising from its obligations under the Agreement in full or notice on full notifying about the complete or partial termination of the Agreement, a notice it is permissible to notify the other Party may be delivered through by email or other electronic means (including mobile-via mobile banking, Internet internet banking), ) provided that in case of upon request of the other Party, the written such notice will shall also be delivered provided in the writing within a reasonable time as welltime. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through by email and/or other electronic means – - on the Banking second banking day following after the date of sending.; 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification on the sent address/contact data, the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datatheir data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations communication between the Parties shall be in writing. A The written notice for a intended to the Party may be delivered personally in person or sent by courier (including an international courier) or post through a postal message (including insured postby a registered letter). For urgency and subject to the purspose to save time and taking into account the provisions outlined belowfollowing provisions, except by submitting to the Customer of a claim on early fulfillment for full performance of financial liabilities arising from its obligations under the Agreement in full or notice on full notifying about the complete or partial termination of the Agreement, a notice it is permissible to notify the other Party may be delivered through by email or other electronic means (including mobile-via mobile banking, Internet internet banking), ) provided that in case of upon request of the other Party, the written such notice will shall also be delivered provided in the writing within a reasonable time as welltime. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through by email and/or other electronic means – - on the second Banking day following Day after the date of sending.; 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification on the sent address/contact data, the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datatheir data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification by the sent address/contact data, or if the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datait contact data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed. 6.5. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Customer (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Customer to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the credit indebtedness and other conditions related to the Credit) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Customer and in order to collect the credit indebtedness from the Customer in accordance with the terms and conditions of the Agreement) without any restrictions towards both the Customer as well as the Contact Person. The Customer confirms that the Customer has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph. 6.6. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx/. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Pledgor of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.1. In case of sending a written notice message by a courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice Notice shall be deemed to have been received in case even if the sending notice is returned to the notifying Party receives back a notice due to the absence of the receiving Party at addressee of the given notification on the sent address/contact data, the recipient addressee refuses to accept receive the notice or avoids receiving a noticeit. 6.4. The Parties shall establish relations at will communicate according to the addresses/contact data outlined details specified in the Agreement (or at any other address/contact data which information that one Party will inform provide in writing to the other in writingother). A The Party shall is obliged to notify the other Party in a timely manner on the change of the above address or any of the datatheir data in a timely manner, otherwise communications the communication (notification etc.) carried out at to the address provided indicated by the Party (sending notices, etc.) shall be deemed to have been duly performed. 6.5. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Guarantor of a claim on early fulfillment of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.112.1. Any Unless otherwise specified in this Agreement, any official relations communication between the Parties shall be in writing. A written notice intended for a the Party may can be delivered personally to it in person or sent by a courier (including an international courier) or post by mail (including insured posta registered mail). For To provide the purspose urgency and subject to save time and taking into account the provisions outlined below, except submitting it is allowed to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to notify the other Party may be delivered through email by telegram, telex, fax, email, SMS, posting to the Company’s website (xxx.xxxxxxx.xx ) or by any other electronic urgent means (including mobile-banking, Internet banking), specified by Geocell provided that in case of request of the other Party’s request, this Party will receive the written notice will be delivered in the as well within a reasonable time as wellafter such request. 6.212.2. A notice shall be deemed as delivered if a recipient confirms such delivery on the delivery date day of its receipt by the Addressee, if the receipt of the notification is confirmed by the addressee (including through by an electronic document, receipt, any other relevant means of communicationconfirmation, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed to have been duly sent and received: 6.2.112.2.1. In in case of sending a written notice by means of a courier or insured post registered mail - from the date of registration of the notice by the office of the relevant Party; 12.2.2. in case of sending by phone, fax, email, SMS and/or other electronic means (other than posting to the website) – on from the date of confirmation of delivery; 6.2.2. In case the receipt of sending the relevant notice by a notice through email and/or other electronic means – on the Banking day following relevant Party or from the date of sendingconfirmation of the receipt of the notice by implementing a relevant action. In addition, the notice shall be deemed as delivered, if a SMS or/and a call sent by Geocell has entered the telephone number disposed by the Subscriber (a SMS and/or a call can be made from any number Geocell uses for such purposes (including 7050, 2770100, Geocell, 7068, etc. 6.3)) and this is recorded in the detailed report of the Service provided by the Company specifying the duration of the incoming calls and SMS transmission duration (in minutes). A notice shall be deemed received as delivered also in case the sending Party receives back a notice due to absence of case, if the receiving Party at the given address/contact data, the recipient Subscriber deliberately and in bad faith refuses to accept the notice (interrupts the call made from the telephone number upon the start of transmission of the notice, does not connect the Number to the network 24 hours a day or does not read SMS). 12.3. In case of posting to the website and/or sending by any urgent means communication offered by Geocell, - from the date of publication or confirmation of the notice receipt by the Subscriber. 12.4. A notice is deemed as received also in the case if the notice is returned to the sender for the absence of the addressee at the address where the notice was sent, or the addressee refuses to accept the notice, or avoids receiving a noticereceiving. 6.412.5. The Parties shall establish relations at will exchange correspondence to the addresses/contact data outlined addresses specified in the Agreement and/or other related agreement (s) (or at any other address/contact data which one address that the Party will inform shall notify to the other Party in writing). A The Party shall notify inform the other Party in a timely manner on about the change of the above address or said address(es) and/or of any change of the datadata in the term specified by the Agreement; otherwise, otherwise communications carried out at the communication (sending SMS etc.) performed to the address provided specified by the Party (sending notices, etc.) shall be deemed as duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Guarantor of a claim on early fulfillment of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Guarantor (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Guarantor to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Guarantor and in order to collect the Secured Claims from the Guarantor in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Guarantor as well as the Contact Person. The Guarantor confirms that the Guarantor has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.18.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Pledgor of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.28.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.18.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.28.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.38.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.48.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.18.1. Any official relations communications between the Parties shall be in writing. A written notice for a the Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save sake of time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email fax, e-mail, SWIFT or any other electronic operative means (including mobile-banking, Internet banking)determined by the Bank, provided that in case of request of the other Party, receiving Party the written notice will shall also be delivered in the reasonable time as welltime. 6.28.2. A notice shall be deemed delivered on the delivery date if a the recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.18.2.1. In case of sending a written notice or telegram by courier or insured post – (a) if the notice is sent by the Bank, within 3 (three) calendar days after dispatch, or on the date of confirmation of deliverythe delivery (whichever occurs earlier); (b) if the notice is sent by the Client, on the next Banking Day after registering the notice at the chancellery of the Bank; 6.2.28.2.2. In case of sending a notice through email fax, telex, e-mail and/or other electronic means – (a) if the notice is sent by the Bank, on the following Banking day following Day after sending a notice; (b) if the notice is sent by the Client, as of the date of sendingconfirmation by the Bank of the receipt of the notice or as of the date of confirming receipt by means of exercising relevant action. 6.38.3. A notice shall be deemed received also in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a refrains from taking delivery of the notice. 6.48.4. The Parties shall establish relations carry out communications at the addresses/contact data outlined in the Agreement and/or the Related Agreement(s) (or at any other address/contact data address which one Party any of the Parties will inform the other in writing). A Party shall is obliged to notify the other another Party in a timely manner on change of the above address address/addresses or any of the data, otherwise failing which the communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 8.5. The Agreement may stipulate for the communication through only one of the forms of communication envisaged in paragraph 8.1 of the Agreement, or any other different form.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Pledgor of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Pledgor (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Pledgor to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Pledgor and in order to collect the Secured Claims from the Pledgor in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Pledgor as well as the Contact Person. The Pledgor confirms that the Pledgor has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except for submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the AgreementAgreement to the Customer, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Customer (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Customer to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the credit indebtedness and other conditions related to the Credit) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Customer and in order to collect the credit indebtedness from the Customer in accordance with the terms and conditions of the Agreement) without any restrictions towards both the Customer as well as the Contact Person. The Customer confirms that the Customer has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this 6.6. The Customer is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx/. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.15.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Owner of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or/and the Agreement on the Secured Claims or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.25.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.15.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.25.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.35.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.45.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 5.5. In case a contact person of the Owner (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Owner to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Owner and in order to collect the Secured Claims from the Owner in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Owner as well as the Contact Person. The Owner confirms that the Owner has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.17.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Owner of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or/and the Agreement on the Secured Claims or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.27.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.17.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.27.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.37.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.47.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.15.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Owner of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or/and the Agreement on the Secured Claims or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.25.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.15.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.25.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.35.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice.receiving 6.45.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 5.5. In case a contact person of the Owner (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Owner to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Owner and in order to collect the Secured Claims from the Owner in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Owner as well as the Contact Person. The Owner confirms that the Owner has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.112.1. Any Unless otherwise specified in this Agreement, any official relations communication between the Parties shall be in writing. A written notice intended for a the Party may can be delivered personally to it in person or sent by a courier (including an international courier) or post by mail (including insured posta registered mail). For To provide the purspose urgency and subject to save time and taking into account the provisions outlined below, except submitting it is allowed to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to notify the other Party may be delivered through email by telegram, telex, fax, email, SMS, posting to the Company’s website (xxx.xxxxxxx.xx ) or by any other electronic urgent means (including mobile-banking, Internet banking), specified by Geocell provided that in case of request of the other Party’s request, this Party will receive the written notice will be delivered in the as well within a reasonable time as wellafter such request. 6.212.2. A notice shall be deemed as delivered if a recipient confirms such delivery on the delivery date day of its receipt by the addressee, if the receipt of the notification is confirmed by the addressee (including through by an electronic document, receipt, any other relevant means of communicationconfirmation, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed to have been duly sent and received: 6.2.112.2.1. In in case of sending a written notice by means of a courier or insured post registered mail - from the date of registration of the notice by the office of the relevant Party; 12.2.2. in case of sending by phone, fax, email, SMS and/or other electronic means (other than posting to the website) – on from the date of confirmation of delivery; 6.2.2. In case the receipt of sending the relevant notice by a notice through email and/or other electronic means – on the Banking day following relevant Party or from the date of sendingconfirmation of the receipt of the notice by implementing a relevant action. In addition, the notice shall be deemed as delivered, if a SMS or/and a call sent by Geocell has entered the telephone number disposed by the Subscriber (a SMS and/or a call can be made from any number Geocell uses for such purposes (including 7050, 2770100, Geocell, 7068, etc. 6.3)) and this is recorded in the detailed report of the Service provided by the Company specifying the duration of the incoming calls and SMS transmission duration (in minutes). A notice shall be deemed received as delivered also in case the sending Party receives back a notice due to absence of case, if the receiving Party at the given address/contact data, the recipient Subscriber deliberately and in bad faith refuses to accept the notice (interrupts the call made from the telephone number upon the start of transmission of the notice, does not connect the Number to the network 24 hours a day or does not read SMS). 12.3. In case of posting to the website and/or sending by any urgent means communication offered by Geocell, - from the date of publication or confirmation of the notice receipt by the Subscriber. 12.4. A notice is deemed as received also in the case if the notice is returned to the sender for the absence of the addressee at the address where the notice was sent, or the addressee refuses to accept the notice, or avoids receiving a noticereceiving. 6.412.5. The Parties shall establish relations at will exchange correspondence to the addresses/contact data outlined addresses specified in the Agreement and/or other related agreement (s) (or at any other address/contact data which one address that the Party will inform shall notify to the other Party in writing). A The Party shall notify inform the other Party in a timely manner on about the change of the above address or said address(es) and/or of any change of the datadata in the term specified by the Agreement; otherwise, otherwise communications carried out at the communication (sending SMS etc.) performed to the address provided specified by the Party (sending notices, etc.) shall be deemed as duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.19.1. Any official relations communications between the Parties shall be in writing. A written notice for a the Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save sake of time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email fax, e-mail, SWIFT or any other electronic operative means (including mobile-banking, Internet banking)determined by the Bank, provided that in case of request of the other Party, receiving Party the written notice will shall also be delivered in the reasonable time as welltime. 6.29.2. A notice shall be deemed delivered on the delivery date if a the recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.19.2.1. In case of sending a written notice or telegram by courier or insured post – (a) if the notice is sent by the Bank, within 3 (three) calendar days after dispatch, or on the date of confirmation of deliverythe delivery (whichever occurs earlier); (b) if the notice is sent by the Client, on the next Banking Day after registering the notice at the chancellery of the Bank; 6.2.29.2.2. In case of sending a notice through email fax, telex, e-mail and/or other electronic means – (a) if the notice is sent by the Bank, on the following Banking day following Day after sending a notice; (b) if the notice is sent by the Client, as of the date of sendingconfirmation by the Bank of the receipt of the notice or as of the date of confirming receipt by means of exercising relevant action. 6.39.3. A notice shall be deemed received also in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a refrains from taking delivery of the notice. 6.49.4. The Parties shall establish relations carry out communications at the addresses/contact data outlined in the Agreement and/or the Related Agreement(s) (or at any other address/contact data address which one Party any of the Parties will inform the other in writing). A Party shall is obliged to notify the other another Party in a timely manner on change of the above address address/addresses or any of the data, otherwise failing which the communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 9.5. The Agreement may stipulate for the communication through only one of the forms of communication envisaged in paragraph 9.1 of the Agreement, or any other different form.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Customer (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Customer to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the credit indebtedness and other conditions related to the Credit) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Customer and in order to collect the credit indebtedness from the Customer in accordance with the terms and conditions of the Agreement) without any restrictions towards both the Customer as well as the Contact Person. The Customer confirms that the Customer has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this

COMMUNICATION BETWEEN THE PARTIES. 6.15.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Owner of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or/and the Agreement on the Secured Claims or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.25.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.15.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.25.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.35.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.45.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile- banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Guarantor of a claim on early fulfillment of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Guarantor (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Guarantor to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Guarantor and in order to collect the Secured Claims from the Guarantor in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Guarantor as well as the Contact Person. The Guarantor confirms that the Guarantor has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-bankingmobile- bank, Internet bankingbank), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day Day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Customer (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Customer to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the credit indebtedness and other conditions related to the Credit) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Customer and in order to collect the credit indebtedness from the Customer in accordance with the terms and conditions of the Agreement) without any restrictions towards both the Customer as well as the Contact Person. The Customer confirms that the Customer has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.

COMMUNICATION BETWEEN THE PARTIES. 6.111.1. Any official relations between the Parties parties shall be documented in writing, unless otherwise stated in the contract. A written notice for to be given to a Party party may be hand delivered personally or sent by courier (including international couriercourier services) or post (including insured postregistered mail). For the purspose purposes of promptness and subject to save time and taking into account the provisions outlined provision below, except submitting it shall be permitted to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a give notice to the other Party may be delivered through email or other electronic means (including mobile-banking, Internet banking)party by email, provided that in case of request of if the other Partyparty so requests, the such email shall be followed by sending a written notice will be delivered in the within a reasonable time as wellof such request. 6.211.2. A notice shall be deemed to have been delivered if a recipient confirms such delivery on the delivery date day of its receipt by the addressee, if the addressee has confirmed the receipt (including through by an electronic document, acknowledgement of receipt, using other relevant means of communicationcommunication means, etc.). If the addressee fails to confirm the receipt of a notice is not confirmed by the recipientnotice, any such notice shall be deemed to have been duly sent and received:; 6.2.111.3. In the case of sending a written notice or telegram sent by courier or insured post – — (а) if sent by the Customer, within three (3) calendar days of being sent, or on the day/date of acknowledgement of receipt (whichever is earlier); 11.4. If sent by email, from the time/date of acknowledgement of receipt, or from the date of confirmation acknowledgement of deliveryreceipt provided by relevant actions; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.311.5. A notice shall be deemed received in case to have been accepted if the sending Party receives back a notice has been returned to the sender due to the addressee’s absence of the receiving Party at the given specified address/contact datadetails, or if the recipient addressee refuses to accept the notice or avoids receiving a noticeevades its acceptance. 6.411.6. The Parties parties shall establish relations at continue to communicate using the addressesaddress/contact data outlined details specified in the Agreement this contract and/or other contract(s) related hereto (or at any other address/contact data details, which one Party will inform the party provides to the other party in writing). A Party The party shall promptly notify the other Party party of any change in a timely manner on change of the above address specified address(es) or any of the dataits details; otherwise, otherwise communications carried out at the address provided by the Party any communication (sending noticesnotice given, etc.) made to the address specified by the party shall be deemed duly performedto have been properly made.

COMMUNICATION BETWEEN THE PARTIES. 6.15.1. Any official relations between the Parties shall be in writing. A written notice for a Party may be delivered personally or sent by courier (including international courier) or post (including insured post). For the purspose to save purpose of saving time and taking into account the provisions outlined below, except submitting to the Customer of a claim on early fulfillment of financial liabilities arising from the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic electronic/technical means (including mobile-bankingbank, Internet bankinginternet bank, SMS), provided that in case of request of the other Party, the written notice will shall be delivered in the reasonable time as well. 6.25.2. A The notice shall be deemed delivered if a recipient confirms such delivery to have been accepted by the addressee on the delivery date day of its receipt if the receipt of the notice is confirmed by the addressee (including through by electronic document, receipt, other relevant appropriate means of communicationnotification, etc.). If the receipt of a the notice is not confirmed by the recipientaddressee, any such notice shall be deemed duly to have been sent and receivedreceived accordingly: 6.2.15.2.1. In case of sending a written notice message by a courier or insured post – registered mail - on the date day of confirmation of delivery; 6.2.25.2.2. In case of sending a notice through email and/or other electronic electronic/technical means – on the Banking day Day following the date of sending. 6.35.2.3. in case of sending notice through mobile-bank, Internet bank and/or other operative means suggested by the Bank – on the following business day after sending, unless otherwise determined for use of such means of communication by rules and regulations established by the Bank. 5.3. A notice shall be deemed received in case the sending Party receives back a the notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a the notice. 6.45.4. The Parties shall establish relations carry out communications at the addresses/contact data addresses outlined in the Agreement (or at any other address/contact data address about which one Party will inform the other informs another in writing). A Party shall notify the other Party in a timely manner on change of the above address address(es) or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 5.5. The Depositor is authorized to submit a claim regarding the service stipulated in the Agreement to the Bank's service centers (branches) and through the means of remote communication defined by the Bank. Information on the claim review procedure and the means for submitting a claim is available at the Bank’s service centers (branches) and on the website: xxxxx://xxxxxxxxxxxxx.xx. A claim can be submitted orally, in free written, in standard written or in electronic form. A claim will be reviewed by the Support and Service Department of the Bank's service centers. The maximum term for receiving a response to a claim submitted in any form is 30 (thirty) calendar days, unless otherwise determined by the Legislation or/and international practice.

COMMUNICATION BETWEEN THE PARTIES. 6.1. Any official relations between the Parties shall be in writing. A written notice for a Party may can be delivered personally or sent by courier (including international courier) or post mail (including insured postmail). For the purspose purpose to save time and taking into account the provisions outlined below, except submitting to the Customer Pledgor of a claim on early fulfillment ahead of term of financial liabilities arising from out of the Agreement in full or notice on full or partial termination of the Agreement, a notice to the other Party may be delivered through email or other electronic means (including mobile-mobile banking, Internet banking), provided that in case of request of the other Party, the written notice will be delivered in the reasonable time as well. 6.2. A notice shall be deemed delivered on the delivery date if a recipient confirms such delivery on the delivery date (including through electronic document, receipt, other relevant means of communication, etc.). If the receipt of a notice is not confirmed by the recipient, any such notice shall be deemed duly sent and received: 6.2.1. In case of sending a written notice by courier or insured post – on the date of confirmation of delivery; 6.2.2. In case of sending a notice through email and/or other electronic means – on the Banking day following the date of sending. 6.3. A notice shall be deemed received in case the sending Party receives back a notice due to absence of the receiving Party at the given address/contact data, the recipient refuses to accept the notice or avoids receiving a notice. 6.4. The Parties shall establish relations at the addresses/contact data outlined in the Agreement (or at any other address/contact data which one Party will inform the other in writing). A Party shall notify the other Party in a timely manner on change of the above address or any of the data, otherwise communications carried out at the address provided by the Party (sending notices, etc.) shall be deemed duly performed. 6.5. In case a contact person of the Pledgor (hereinafter referred to as the Contact Person) is indicated in this Agreement and/or other document associated thereto and/or in an application submitted by the Pledgor to the Bank in its regard, the Bank is entitled to carry out communication of any kind and content (including but not limited to, regarding the volume of the Secured Claims and other conditions of the Agreement) under this Agreement (including but not limited to the cases of breaches of contractual obligations by the Pledgor and in order to collect the Secured Claims from the Pledgor in accordance with the terms and conditions of the Agreement) without any restrictions, towards both the Pledgor as well as the Contact Person. The Pledgor confirms that the Pledgor has obtained all permits and consents from the Contact Person on the transfer of personal data of the Contact Person to the Bank and its processing and the Contact Person is informed about the authority of the Bank specified in this Paragraph.