Common use of Conditions for Account operating Clause in Contracts

Conditions for Account operating. 12.3.1. Any operations permitted under the law can be carried out on Card Account including as directly from Card Account as well as using the card or by means of remote or electronic service systems. 12.3.2. Account Holder is entitled to dispose money amount available on his Card Account, less the minimum balance and commissions for using the card. In case of overspending the commission fee(s) for excess will be deducted from the principal sum. 12.3.3. Using of Card Account can be additionally restricted by the Bank by setting appropriate daily or other limits. Along with it the Bank is entitled to declare refuse on changes of daily cashing limits or/and any other types of limits. 12.3.4. If certain banking product and/or Contract concluded between the Bank and the Account Holder provides possibility of multiple cards linked to one Card Account, that upon consent of Account Holder is acceptable to issue as the basic as well as additional card(s). 12.3.5. If a particular banking product or / and the Contract concluded between the Bank and the Account Holder provides availability of several currencies for single Card Account, then upon consent of the Account Holder is allowed to have several parallel accounts in different currencies under the single Account number. Priority of parallel foreign currency accounts are determined by Account Xxxxxx. 12.3.6. The amount of money can be entered to Card Account as by cash as well by non-cash operations. 13.3.7. Blocking of appropriate money amount of transactions just carried out by the card, it’s requisites, by POS, electronic commerce, ATM is performed straight after transaction’s completion. The real date of transaction carried out qith the card is different from the date of transaction displaying/fixation at Card Account. Blocking of appropriate amount of performed card transaction at appropriate Card Account is done online and the dispalying (settlement)- after passing the certain period (2-180 days) in compliance with regulations of appropriate plastic cards payment systems Visa International, Mastercard Worldwide, Union Pay etc.) (The date depends on transaction purpose/type and also on network of ATM/POS). However the blocking could be removed even earlier than above specified period. 12.3.7.1. Cutting off the money amount from Card Account during payment carried out by remote channels of payment of the Bank is being performed on the day of carrying out of appropriate transaction. 12.3.7.2. Cashing/payment transaction carried out at networks of Basis Bank’s ATM/ POS terminals and electronic commerce points is displayed at Account according the standards on the next banking day. 12.3.7.3. Payment transaction carried out by card through internet and at networks of other bank’s ATM/ POS terminals is displayed at Card Account after proceeding the transaction by appropriate payment system. 12.3.7.4. Entering a money amount (based on information received from the international card system on regulations related to entering the amount to plastic card) to the card with non-banking way the amount can be accessible (depends on transaction purpose, on sender, payment rules and policy of emitent) on the card during the next 30 minutes and dispaying directly on Card Account can be carried out later (on the next and/or on the following next working days). Time difference between the money amount fixing on the card and on Card Account can cause arise to unauthorized overdraft. 12.3.8. Bank is obliged to keep confidentiality related to card transaction of the Account Holder, which became available to him during the business relations with Account Holder. Exceptions are the cases stipulated by the legislation, or related to ordinary banking information in compliance with international banking practice, that does not violate the interests of the Account Holder. 12.3.9. The Bank controls transaction carried out by the card through special program SW it means that the Bank is authorized to suspend temporarily the transaction and/or validity of the Card when fixing suspicious transaction (monitoring). The Bank also has the right to block the card and / or Card Account (suspend transactions) if the Bank suspects that unauthorized and / or illegal transactions have been and / or are being carried out with the card or Card Account. 12.3.10. If no provided otherwise by the Bank the Client is obliged to pay to the Bank service charge commission for the first year upon issuing of the card and for the next year service charge shall be paid after the 1 (one) year after the date of card issuance. In case of available balance on Card Account the next year service charge will be written off from the active Card Account(s) of the Client automatically (in complete or partly). 12.3.11. If the Account or Card Holder submits to the Bank the written application for extension of card validity in compliance with rules and form set by the Bank before the card expiry date and if there is sufficient money amount being on (commission for card issuance , annual service charge commission etc, if the above is a precondition for updating the corresponding card) Account, the term of the card is extended on the last month before the card expiry, within the conditions provided by Agreement concluded with Account Holder without conclusion of new Agreement except in cases when after the consent of Account Holder for extension the card validity the Card/Account Holder declares the refusal to extend the card according regulations and conditions set by the Bank before the card expiration). 12.3.12. In order to update the card is obligatory written application of Account Holder drawn up in compliance with rules and form set by the Bank, if not otherwise provided by the Bank. 12.3.13. In case of collection order or act of seizing of any of the accounts of the Client/Card Holder, the credit limit and/or overdraft allowed at the Client’s/Card Holder’s account is considered to be automatically cancelled. In case of fulfillment or cancellation (revoking) of the collection order or lifting (revoking) the arrest, the Bank will be entitled to unilaterally restore the credit limit and/or overdraft. 12.3.14. Validity of the sub-paragraph “12.3.13” of present Agreement is applicable to all types of plastic cards as well as to any credit product related to any of the plastic cards. 12.3.15. In case when Account Holder (Client) and the Card Holder is not the same person, with respect to additional card: 12.3.15.1. Account Holder (Client) can independently perform the following actions: receive a new additional card, request changes in the currency priorities, open additional card account(s), cancel additional card, close card account, block/unblock additional card, and receive additional card detained by the ATM; 12.3.15.2. Card Holder can independently perform the following actions: receive additional card, block additional card, unblock, receive additional card detained by the ATM. 12.3.16. Opening, renewal, closing and other operations related to the card can be carried out by the Client as by written application submitted to the Bank or sent by remote service channels provided in compliance with rules and procedures set by the Bank, as well as by means of SMS code that has legal force equal to document drawn up in written, printed out (hard copy) and certified by Client’s signature form. Account Holder (Client) and Card Owner can request for issuance of new additional card.

Conditions for Account operating. 12.3.1. Any operations permitted under the law can be carried out on Card Account including as directly from Card Account as well as using the card or by means of remote or electronic service systems. 12.3.2. Account Holder is entitled to dispose money amount available on his Card Account, less the minimum balance and commissions for using the card. In case of overspending the commission fee(s) for excess will be deducted from the principal sum. 12.3.3. Using of Card Account can be additionally restricted by the Bank by setting appropriate daily or other limits. Along with it the Bank is entitled to declare refuse on changes of daily cashing limits or/and any other types of limits. Account Holder is entitled to dispose money amount transferred to his Card Account by non-banking rules (based on information received from International Card System regarding the transfer to Card Account) within the specific period after the amount transfer, but not exceed 45 (forty five) days, based on decision made by the Bank. 12.3.4. If certain banking product and/or Contract concluded between the Bank and the Account Holder provides possibility of multiple cards linked to one Card Account, that upon consent of Account Holder is acceptable to issue as the basic as well as additional card(s). 12.3.5. If a particular banking product or / and the Contract concluded between the Bank and the Account Holder provides availability of several currencies for single Card Account, then upon consent of the Account Holder is allowed to have several parallel accounts in different currencies under the single Account number. Priority of parallel foreign currency accounts are determined by Account XxxxxxHolder. 12.3.6. The amount of money can be entered to Card Account as by cash as well by non-cash operations. 13.3.7. Blocking of appropriate money amount of transactions just carried out by the card, it’s requisites, by POS, electronic commerce, ATM is performed straight after transaction’s completion. The real date of transaction carried out qith the card is different from the date of transaction displaying/fixation at Card Account. Blocking of appropriate amount of performed card transaction at appropriate Card Account is done online and the dispalying (settlement)- after passing the certain period (2-180 days) in compliance with regulations of appropriate plastic cards payment systems Visa International, Mastercard Worldwide, Union Pay etc.) (The date depends on transaction purpose/type and also on network of ATM/POS). However the blocking could be removed even earlier than above specified period. 12.3.7.1. Cutting off the money amount from Card Account during payment carried out by remote channels of payment of the Bank is being performed on the day of carrying out of appropriate transaction. 12.3.7.2. Cashing/payment transaction carried out at networks of Basis Bank’s ATM/ POS terminals and electronic commerce points is displayed at Account according the standards on the next banking day. 12.3.7.3. Payment transaction carried out by card through internet and at networks of other bank’s ATM/ POS terminals is displayed at Card Account after proceeding the transaction by appropriate payment system. 12.3.7.4. Entering a money amount (based on information received from the international card system on regulations related to entering the amount to plastic card) to the card with non-banking way the amount can be accessible (depends on transaction purpose, on sender, payment rules and policy of emitent) on the card during the next 30 minutes and dispaying directly on Card Account can be carried out later (on the next and/or on the following next working days). Time difference between the money amount fixing on the card and on Card Account can cause arise to unauthorized overdraft. 12.3.8. Bank is obliged to keep confidentiality related to card transaction of the Account Holder, which became available to him during the business relations with Account Holder. Exceptions are the cases stipulated by the legislation, or related to ordinary banking information in compliance with international banking practice, that does not violate the interests of the Account Holder. the, and implementation (settlement) –upon the specified period (2-180 days), in compliance with appropriate regulations for plastic cards settlement systems (Visa International, Mastercard Worldwide, Union Pay International etc.) Duration depends on the purpose of transaction, however the blocking could be removed before the term. While performing transaction by means of remote system, writing off the amount of money from the Account is done on the day of transaction implementation. 12.3.9. The Bank controls transaction carried out by the card through special program SW it means that the Bank is authorized to suspend temporarily the transaction and/or validity of the Card when fixing suspicious transaction (monitoring). The Bank also has the right to block the card and / or Card Account (suspend transactions) if the Bank suspects that unauthorized and / or illegal transactions have been and / or are being carried out with the card or Card Account. 12.3.10. If no provided otherwise by payment is made through the Bank card in currency different from the Client is obliged to pay main currency of the card account, then the amount will be converted to the Bank service charge commission for the first year upon issuing main currency of the card and for written off. Conversion is performed on the next year service charge shall be paid after day of carrying out the 1 (one) year after transaction under the date of card issuance. In case of available balance on Card Account the next year service charge will be written off from the active Card Account(s) of the Client automatically (in complete or partly). 12.3.11. If the Account or Card Holder submits to the Bank the written application for extension of card validity in compliance with rules and form rate set by the Bank before as of the day of such payment, and under the rates set by “VISA” or “MasterCard” in case of conversion outside the bank’s network. If during the international transaction the payment is made through the card expiry date and if there is sufficient money amount being on (commission for card issuance , annual service charge commission etc, if in currency different from the above is a precondition for updating the corresponding card) Account, the term main currency of the card is extended account in additional currency (s) to the amount of transaction will be charged with commission for international transaction set by appropriate plastic card payment system (Visa International, MasterCard Worldwide, Union Pay International etc.) . A possibly unauthorized debt carried on the last month before card account in the card expiry, within the conditions provided by Agreement concluded with Account Holder without conclusion of new Agreement except in cases when after the consent of Account Holder for extension the card validity the Card/Account Holder declares the refusal to extend the card according regulations and conditions set by the Bank before the card expiration). 12.3.12. In order to update the card is obligatory written application of Account Holder drawn up in compliance with rules and form set by the Bank, if not otherwise provided by the Bank. 12.3.13. In case of collection order or act of seizing of any of the accounts of the Client/Card Holder, the credit limit and/or overdraft allowed different currencies will be covered at the Client’s/Card Holder’s account is considered end of each working day respectively to be automatically cancelled. In case priority of fulfillment or cancellation (revoking) of the collection order or lifting (revoking) the arrest, the Bank will be entitled to unilaterally restore the credit limit and/or overdraftcurrencies. 12.3.14. Validity of the sub-paragraph “12.3.13” of present Agreement is applicable to all types of plastic cards as well as to any credit product related to any of the plastic cards. 12.3.15. In case when Account Holder (Client) and the Card Holder is not the same person, with respect to additional card: 12.3.15.1. Account Holder (Client) can independently perform the following actions: receive a new additional card, request changes in the currency priorities, open additional card account(s), cancel additional card, close card account, block/unblock additional card, and receive additional card detained by the ATM; 12.3.15.2. Card Holder can independently perform the following actions: receive additional card, block additional card, unblock, receive additional card detained by the ATM. 12.3.16. Opening, renewal, closing and other operations related to the card can be carried out by the Client as by written application submitted to the Bank or sent by remote service channels provided in compliance with rules and procedures set by the Bank, as well as by means of SMS code that has legal force equal to document drawn up in written, printed out (hard copy) and certified by Client’s signature form. Account Holder (Client) and Card Owner can request for issuance of new additional card.

Conditions for Account operating. 12.3.1. Any operations permitted under the law can be carried out on Card Account including as directly from Card Account as well as using the card or by means of remote or electronic service systems. 12.3.2. Account Holder is entitled to dispose money amount available on his Card Account, less the minimum balance and commissions for using the card. In case of overspending the commission fee(s) for excess will be deducted from the principal sum. 12.3.3. Using of Card Account can be additionally restricted by the Bank by setting appropriate daily or other limits. Along with it the Bank is entitled to declare refuse on changes of daily cashing limits or/and any other types of limits. Account Holder is entitled to dispose money amount transferred to his Card Account by non-banking rules (based on information received from International Card System regarding the transfer to Card Account) within the specific period after the amount transfer, but not exceed 45 (forty five) days, based on decision made by the Bank. 12.3.4. If certain banking product and/or Contract concluded between the Bank and the Account Holder provides possibility of multiple cards linked to one Card Account, that upon consent of Account Holder is acceptable to issue as the basic as well as additional card(s). 12.3.5. If a particular banking product or / and the Contract concluded between the Bank and the Account Holder provides availability of several currencies for single Card Account, then upon consent of the Account Holder is allowed to have several parallel accounts in different currencies under the single Account number. Priority of parallel foreign currency accounts are determined by Account Xxxxxx. 12.3.6. The amount of money can be entered to Card Account as by cash as well by non-cash operations. 13.3.7. Blocking of appropriate money amount of transactions just carried out by the card, it’s requisites, by POS, electronic commerce, ATM is performed straight after transaction’s completion. The real date of transaction carried out qith the card is different from the date of transaction displaying/fixation at Card Account. Blocking of appropriate amount of performed card transaction at appropriate Card Account is done online and the dispalying (settlement)- after passing the certain period (2-180 days) in compliance with regulations of appropriate plastic cards payment systems Visa International, Mastercard Worldwide, Union Pay etc.) (The date depends on transaction purpose/type and also on network of ATM/POS). However the blocking could be removed even earlier than above specified period. 12.3.7.1. Cutting off the money amount from Card Account during payment carried out by remote channels of payment of the Bank is being performed on the day of carrying out of appropriate transaction. 12.3.7.2. Cashing/payment transaction carried out at networks of Basis Bank’s ATM/ POS terminals and electronic commerce points is displayed at Account according the standards on the next banking day. 12.3.7.3. Payment transaction carried out by card through internet and at networks of other bank’s ATM/ POS terminals is displayed at Card Account after proceeding the transaction by appropriate payment system. 12.3.7.4. Entering a money amount (based on information received from the international card system on regulations related to entering the amount to plastic card) to the card with non-banking way the amount can be accessible (depends on transaction purpose, on sender, payment rules and policy of emitent) on the card during the next 30 minutes and dispaying directly on Card Account can be carried out later (on the next and/or on the following next working days). Time difference between the money amount fixing on the card and on Card Account can cause arise to unauthorized overdraft. 12.3.8. Bank is obliged to keep confidentiality related to card transaction of the Account Holder, which became available to him during the business relations with Account Holder. Exceptions are the cases stipulated by the legislation, or related to ordinary banking information in compliance with international banking practice, that does not violate the interests of the Account Holder. the, and implementation (settlement) –upon the specified period (2-180 days), in compliance with appropriate regulations for plastic cards settlement systems (Visa International, Mastercard Worldwide, Union Pay International etc.) Duration depends on the purpose of transaction, however the blocking could be removed before the term. While performing transaction by means of remote system, writing off the amount of money from the Account is done on the day of transaction implementation. 12.3.9. The Bank controls transaction carried out by the card through special program SW it means that the Bank is authorized to suspend temporarily the transaction and/or validity of the Card when fixing suspicious transaction (monitoring). The Bank also has the right to block the card and / or Card Account (suspend transactions) if the Bank suspects that unauthorized and / or illegal transactions have been and / or are being carried out with the card or Card Account. 12.3.10. If no provided otherwise by payment is made through the Bank card in currency different from the Client is obliged to pay main currency of the card account, then the amount will be converted to the Bank service charge commission for the first year upon issuing main currency of the card and for written off. Conversion is performed on the next year service charge shall be paid after day of carrying out the 1 (one) year after transaction under the date of card issuance. In case of available balance on Card Account the next year service charge will be written off from the active Card Account(s) of the Client automatically (in complete or partly). 12.3.11. If the Account or Card Holder submits to the Bank the written application for extension of card validity in compliance with rules and form rate set by the Bank before as of the day of such payment, and under the rates set by “VISA” or “MasterCard” in case of conversion outside the bank’s network. If during the international transaction the payment is made through the card expiry date and if there is sufficient money amount being on (commission for card issuance , annual service charge commission etc, if in currency different from the above is a precondition for updating the corresponding card) Account, the term main currency of the card is extended account in additional currency (s) to the amount of transaction will be charged with commission for international transaction set by appropriate plastic card payment system (Visa International, MasterCard Worldwide, Union Pay International etc.) . A possibly unauthorized debt carried on the last month before card account in the card expiry, within the conditions provided by Agreement concluded with Account Holder without conclusion of new Agreement except in cases when after the consent of Account Holder for extension the card validity the Card/Account Holder declares the refusal to extend the card according regulations and conditions set by the Bank before the card expiration). 12.3.12. In order to update the card is obligatory written application of Account Holder drawn up in compliance with rules and form set by the Bank, if not otherwise provided by the Bank. 12.3.13. In case of collection order or act of seizing of any of the accounts of the Client/Card Holder, the credit limit and/or overdraft allowed different currencies will be covered at the Client’s/Card Holder’s account is considered end of each working day respectively to be automatically cancelled. In case priority of fulfillment or cancellation (revoking) of the collection order or lifting (revoking) the arrest, the Bank will be entitled to unilaterally restore the credit limit and/or overdraftcurrencies. 12.3.14. Validity of the sub-paragraph “12.3.13” of present Agreement is applicable to all types of plastic cards as well as to any credit product related to any of the plastic cards. 12.3.15. In case when Account Holder (Client) and the Card Holder is not the same person, with respect to additional card: 12.3.15.1. Account Holder (Client) can independently perform the following actions: receive a new additional card, request changes in the currency priorities, open additional card account(s), cancel additional card, close card account, block/unblock additional card, and receive additional card detained by the ATM; 12.3.15.2. Card Holder can independently perform the following actions: receive additional card, block additional card, unblock, receive additional card detained by the ATM. 12.3.16. Opening, renewal, closing and other operations related to the card can be carried out by the Client as by written application submitted to the Bank or sent by remote service channels provided in compliance with rules and procedures set by the Bank, as well as by means of SMS code that has legal force equal to document drawn up in written, printed out (hard copy) and certified by Client’s signature form. Account Holder (Client) and Card Owner can request for issuance of new additional card.