Common use of General Terms of Service Clause in Contracts

General Terms of Service. 10.5.2.1. terms of issuance of the certificate of deposit are posted at the bank web-page xxx.xxxxxxxxx.xx and represents the inseparable part of the respective agreement of the certificate of deposit processed between the bank and the client. 10.5.2.2. on the basis of the present agreement and the respective agreement of the certificate of deposit processed between the bank and the client, the bank shall provide services to the client related to purchase/disposal/repurchase/repayment of the certificate of deposit, consistent with the effective agreement and terms stipulated under the legislation. 10.5.2.3. commensurate with the terms of the agreement, the client is authorized, to purchase the certificate of deposit from the bank under the terms defined by the bank. Furthermore, the bank is authorized, at its discretion to refuse to sell the certificate of deposit to the client. 10.5.2.4. prior to purchasing the certificate of deposit, the client must maintain an active current account at the bank by means of which any settlement related to the certificate of deposit shall be effected (among them, purchase, payment of the interest amount, disposal, repurchase). 10.5.2.5. the holder of the certificate of deposit grants the right to the bank, to withhold the amount from the current account of the holder of the certificate of deposit in non-accepted manner and ensure its transfer to the respective bank account. 10.5.2.6. certificate of deposit may exist only in the dematerialized form. 10.5.2.7. the bank is entitled, to emit the certificate of deposit with or without the right to call for prior to date, determined by the respective agreement of the certificate of deposit. 10.5.2.8. in case if the certificate of deposit is callable, the bank is authorized to repurchase the certificate before its due date consistent with the preliminarily determined call terms, in such case the bank pays to the client the amount of the certificate of deposit and the interest amount accrued by the given period. 10.5.2.9. in case the bank enforces the call right, the call premium may be determined, the amount of which is defied for each particular case, commensurate with the remaining term of the certificate. 10.5.2.10. in case the bank call for the certificate of deposit, the client must, within 5 (five) business days after receiving respective call, visit the bank to accomplish the certificate of deposit repurchase operation. If the client does not visit the bank within the established period, the bank is authorized to repurchase unilaterally the certificate of deposit and transfer respective amount to the current account of the holder of certificate of deposit. 10.5.2.11. the bank is authorized to repurchase the certificate of deposit owned by the client, at the price agreed with the client. Furthermore, the bank is not obliged to repurchase the certificate of deposit prior to the due date. 10.5.2.12. the client may use the certificate of deposit as the means of collateral only with the prior written consent of the bank. Furthermore, the client must, upon use of the certificate of deposit as the means of collateral, transfer to the bank the document evidencing such. 10.5.2.13. in the event certificate of deposit is used as the means of securing the liabilities assumed by the client and/or any other third person to the bank, in case of breaching assumed liabilities, the bank is authorized to recover existing indebtedness from the certificate of deposit, by means of withdrawal in non-accepted manner, without placing the amount to the current account of the holder of the certificate of deposit. 10.5.2.14. after the term indicated in the certificate of deposit expires or after repurchase/call/withdrawal in an non- accepted manner, the certificate of deposit shall be repaid, after which the relevant record of the certificate of deposit shall be revoked and the accrual of interest envisaged by the terms of the certificate of deposit shall stop (if any); 10.5.2.15. the bank shall, upon expiry of the effective term of the certificate of deposit, return to the holder of the certificate of deposit the face value of the certificate and accrued interest amount (if any), in case of disposal/repurchase – the agreed price.

General Terms of Service. 10.5.2.110.4.2.1. terms Terms of issuance of the certificate of deposit are posted at the bank web-page xxx.xxxxxxxxx.xx and represents the inseparable part of the respective agreement of the certificate of deposit processed between the bank and the client. 10.5.2.210.4.2.2. on On the basis of the present agreement and the respective agreement of the certificate of deposit processed between the bank and the client, the bank shall provide services to the client related to purchase/disposal/repurchase/repayment of the certificate of deposit, consistent with the effective agreement and terms stipulated under the legislation. 10.5.2.310.4.2.3. commensurate Commensurate with the terms of the agreement, the client is authorized, to purchase the certificate of deposit from the bank under the terms defined by the bank. Furthermore, the bank is authorized, at its discretion to refuse to sell the certificate of deposit to the client. 10.5.2.410.4.2.4. prior Prior to purchasing the certificate of deposit, the client must maintain an active current account at the bank by means of which any settlement related to the certificate of deposit shall be effected (among them, purchase, payment of the interest amount, disposal, repurchase). 10.5.2.510.4.2.5. the The holder of the certificate of deposit grants the right to the bank, to withhold the amount from the current account of the holder of the certificate of deposit in non-accepted manner and ensure its transfer to the respective bank account. 10.5.2.610.4.2.6. certificate Certificate of deposit may exist only in the dematerialized form. 10.5.2.710.4.2.7. the The bank is entitled, to emit the certificate of deposit with or without the right to call for prior to date, determined by the respective agreement of the certificate of deposit. 10.5.2.810.4.2.8. in In case if the certificate of deposit is callable, the bank is authorized to repurchase the certificate before its due date consistent with the preliminarily determined call terms, in such case the bank pays to the client the amount of the certificate of deposit and the interest amount accrued by the given period. 10.5.2.910.4.2.9. in In case the bank enforces the call right, the call premium may be determined, the amount of which is defied for each particular case, commensurate with the remaining term of the certificate. 10.5.2.1010.4.2.10. in In case the bank call for the certificate of deposit, the client must, within 5 (five) business days after receiving respective call, visit the bank to accomplish the certificate of deposit repurchase operation. If the client does not visit the bank within the established period, the bank is authorized to repurchase unilaterally the certificate of deposit and transfer respective amount to the current account of the holder of certificate of deposit. 10.5.2.1110.4.2.11. the The bank is authorized to repurchase the certificate of deposit owned by the client, at the price agreed with the client. Furthermore, the bank is not obliged to repurchase the certificate of deposit prior to the due date. 10.5.2.1210.4.2.12. the The client may use the certificate of deposit as the means of collateral only with the prior written consent of the bank. Furthermore, the client must, upon use of the certificate of deposit as the means of collateral, transfer to the bank the document evidencing such. 10.5.2.1310.4.2.13. in In the event certificate of deposit is used as the means of securing the liabilities assumed by the client and/or any other third person to the bank, in case of breaching assumed liabilities, the bank is authorized to recover existing indebtedness from the certificate of deposit, by means of withdrawal in non-accepted manner, without placing the amount to the current account of the holder of the certificate of deposit. 10.5.2.1410.4.2.14. after After the term indicated in the certificate of deposit expires or after repurchase/call/withdrawal in an non- accepted manner, the certificate of deposit shall be repaid, after which the relevant record of the certificate of deposit shall be revoked and the accrual of interest envisaged by the terms of the certificate of deposit shall stop (if any); 10.5.2.1510.4.2.15. the The bank shall, upon expiry of the effective term of the certificate of deposit, return to the holder of the certificate of deposit the face value of the certificate and accrued interest amount (if any), in case of disposal/repurchase – the agreed price. 10.4.2.16. If the date of amount issuance coincides with the non-banking day, the bank shall ensure issuance of the face value/interest on the following banking day. 10.4.2.17. Termination of the agreement prior to date and call of the amount of the certificate of deposit prior to date from the bank, prior to expiration of the effective term of the certificate of deposit is not accepted. The agreement can be terminated prior to date only in case the bank repurchases/calls/withdraws in non-accepted manner. 10.4.2.18. The client is aware that repurchasing/calling of the certificate of deposit is the right of the bank and not its obligation. 10.4.2.19. Unless otherwise determined by the respective agreement, the bank is authorized, at any time to amend unilaterally the present terms and/or conditions of issuing certificate of deposit, commensurate with the changes/regulations/decisions effected by the bank, amended market terms and/or legislative regulations. The client shall be notified about the changes according to the rule established by the present agreement. 10.4.2.20. If the client disagrees with the changes offered by the bank, the bank shall redeem the certificate of deposit at the interest rate existing by the respective term.

General Terms of Service. 10.5.2.110.4.2.1. terms Terms of issuance of the certificate of deposit are posted at the bank web-page xxx.xxxxxxxxx.xx and represents the inseparable part of the respective agreement of the certificate of deposit processed between the bank and the client. 10.5.2.210.4.2.2. on On the basis of the present agreement and the respective agreement of the certificate of deposit processed between the bank and the client, the bank shall provide services to the client related to purchase/disposal/repurchase/repayment of the certificate of deposit, consistent with the effective agreement and terms stipulated under the legislation. 10.5.2.310.4.2.3. commensurate Commensurate with the terms of the agreement, the client is authorized, to purchase the certificate of deposit from the bank under the terms defined by the bank. Furthermore, the bank is authorized, at its discretion to refuse to sell the certificate of deposit to the client. 10.5.2.410.4.2.4. prior Prior to purchasing the certificate of deposit, the client must maintain an active current account at the bank by means of which any settlement related to the certificate of deposit shall be effected (among them, purchase, payment of the interest amount, disposal, repurchase). 10.5.2.510.4.2.5. the The holder of the certificate of deposit grants the right to the bank, to withhold the amount from the current account of the holder of the certificate of deposit in non-accepted manner and ensure its transfer to the respective bank account. 10.5.2.610.4.2.6. certificate Certificate of deposit may exist only in the dematerialized form. 10.5.2.710.4.2.7. the The bank is entitled, to emit the certificate of deposit with or without the right to call for prior to date, determined by the respective agreement of the certificate of deposit. 10.5.2.810.4.2.8. in In case if the certificate of deposit is callable, the bank is authorized to repurchase the certificate before its due date consistent with the preliminarily determined call terms, in such case the bank pays to the client the amount of the certificate of deposit and the interest amount accrued by the given period. 10.5.2.910.4.2.9. in In case the bank enforces the call right, the call premium may be determined, the amount of which is defied for each particular case, commensurate with the remaining term of the certificate. 10.5.2.1010.4.2.10. in In case the bank call for the certificate of deposit, the client must, within 5 (five) business days after receiving respective call, visit the bank to accomplish the certificate of deposit repurchase operation. If the client does not visit the bank within the established period, the bank is authorized to repurchase unilaterally the certificate of deposit and transfer respective amount to the current account of the holder of certificate of deposit. 10.5.2.1110.4.2.11. the The bank is authorized to repurchase the certificate of deposit owned by the client, at the price agreed with the client. Furthermore, the bank is not obliged to repurchase the certificate of deposit prior to the due date. 10.5.2.1210.4.2.12. the The client may use the certificate of deposit as the means of collateral only with the prior written consent of the bank. Furthermore, the client must, upon use of the certificate of deposit as the means of collateral, transfer to the bank the document evidencing such. 10.5.2.1310.4.2.13. in In the event certificate of deposit is used as the means of securing the liabilities assumed by the client and/or any other third person to the bank, in case of breaching assumed liabilities, the bank is authorized to recover existing indebtedness from the certificate of deposit, by means of withdrawal in non-accepted manner, without placing the amount to the current account of the holder of the certificate of deposit. 10.5.2.1410.4.2.14. after After the term indicated in the certificate of deposit expires or after repurchase/call/withdrawal in an non- non-accepted manner, the certificate of deposit shall be repaid, after which the relevant record of the certificate of deposit shall be revoked and the accrual of interest envisaged by the terms of the certificate of deposit shall stop (if any); 10.5.2.1510.4.2.15. the The bank shall, upon expiry of the effective term of the certificate of deposit, return to the holder of the certificate of deposit the face value of the certificate and accrued interest amount (if any), in case of disposal/repurchase – the agreed price. 10.4.2.16. If the date of amount issuance coincides with the non-banking day, the bank shall ensure issuance of the face value/interest on the following banking day. 10.4.2.17. Termination of the agreement prior to date and call of the amount of the certificate of deposit prior to date from the bank, prior to expiration of the effective term of the certificate of deposit is not accepted. The agreement can be terminated prior to date only in case the bank repurchases/calls/withdraws in non-accepted manner. 10.4.2.18. The client is aware that repurchasing/calling of the certificate of deposit is the right of the bank and not its obligation. 10.4.2.19. Unless otherwise determined by the respective agreement, the bank is authorized, at any time to amend unilaterally the present terms and/or conditions of issuing certificate of deposit, commensurate with the changes/regulations/decisions effected by the bank, amended market terms and/or legislative regulations. The client shall be notified about the changes according to the rule established by the present agreement. 10.4.2.20. If the client disagrees with the changes offered by the bank, the bank shall redeem the certificate of deposit at the interest rate existing by the respective term.

General Terms of Service. 10.5.2.1. The terms of issuance of the a certificate of deposit are posted at on the bank Bank web-page xxx.xxxxxxxxx.xx (xxx.xxxxxxxxx.xx) and represents the represent an inseparable part of the respective agreement of the certificate of deposit processed created between the bank Bank and the client. 10.5.2.2. on On the basis of the present agreement and the respective agreement of the certificate of deposit processed created between the bank Bank and the client, the bank Bank shall provide services to the client related to the purchase/disposal/repurchase/repayment of the certificate of deposit, consistent with the effective agreement and terms stipulated under the legislation. 10.5.2.3. commensurate Commensurate with the terms of the agreement, the a client is authorized, authorized to purchase the a certificate of deposit from the bank Bank under the terms defined by the bank. Furthermore, the bank is authorized, at its discretion discretion, to refuse to sell the a certificate of deposit to the a client. 10.5.2.4. prior Prior to purchasing the a certificate of deposit, the client must maintain an active current account at the bank Bank by means of which any settlement related to the certificate of deposit shall be effected (among them, purchase, payment of the interest amount, disposal, repurchase). 10.5.2.5. the The holder of the certificate of deposit grants the right to the bank, Bank to withhold the amount from the current account of the holder of the certificate of deposit in a non-accepted manner and ensure its transfer to the respective bank account. 10.5.2.6. A certificate of deposit may exist only in the dematerialized non-material form. 10.5.2.7. the bank The Bank is entitled, entitled to emit the issue a certificate of deposit with or without the right to call for prior to date, determined by the respective agreement of the certificate of deposit. 10.5.2.8. in case if If the certificate of deposit is callable, the bank Bank is authorized to repurchase the certificate before its due date date, consistent with the preliminarily determined call terms, in such which case the bank Bank pays to the client the amount of the certificate of deposit and the interest amount accrued accrued, by the given period. 10.5.2.9. in case If the bank Bank enforces the call right, the call premium may be determined, the amount of which is defied defined for each particular case, commensurate with the remaining term of the certificate. 10.5.2.10. in case If the bank call Bank calls for the certificate of deposit, the client must, within 5 (five) business days after receiving the respective call, visit the bank Bank to accomplish carry out the certificate of deposit repurchase operation. If the client does not visit the bank Bank within the established period, the bank Bank is authorized to repurchase unilaterally the certificate of deposit and transfer the respective amount to the current account of the holder of the certificate of deposit. 10.5.2.11. the bank The Bank is authorized to repurchase the certificate of deposit owned by the client, client at the price agreed with the client. Furthermore, the bank Bank is not obliged to repurchase the certificate of deposit prior to the due date. 10.5.2.12. the The client may use the certificate of deposit as the a means of collateral only with the prior written consent of from the bankBank. Furthermore, the client must, upon use of the certificate of deposit as the a means of collateral, transfer to the bank the Bank a document evidencing such. 10.5.2.13. in In the event the certificate of deposit is used as the a means of securing the liabilities assumed by the client and/or any other third person to the bankBank, in case of breaching a breach of the assumed liabilities, the bank Bank is authorized to recover the existing indebtedness from the certificate of deposit, deposit by means of a withdrawal in a non-accepted manner, without placing the amount to funds on the current account of the holder of the certificate of deposit. 10.5.2.14. after After the term indicated in the certificate of deposit expires or after repurchase/call/withdrawal in an non- non-accepted manner, the certificate of deposit shall be repaid, after which the relevant record of the certificate of deposit shall be revoked and the accrual of interest envisaged by the terms of the certificate of deposit shall stop cease (if any); 10.5.2.15. the bank The Bank shall, upon expiry of the effective term of the certificate of deposit, return to the holder of the certificate of deposit the face value of the certificate and accrued interest amount (if any), and in case of disposal/repurchase – repurchase, the agreed price. 10.5.2.16. If the date of amount issuance coincides with a non-banking day, the Bank shall ensure issuance of the face value/interest the following banking day. 10.5.2.17. Termination of the agreement prior to the date, and a call for the amount of the certificate of deposit from the Bank prior to expiration of the effective term of the certificate of deposit, is not accepted. The agreement can be terminated prior to date only if the Bank repurchases/calls/withdraws in non-accepted manner. 10.5.2.18. The client acknowledges that repurchasing/calling of the certificate of deposit is the right of the Bank and not its obligation. 10.5.2.19. Unless otherwise determined by the respective agreement, the Bank is authorized, at any time, to amend unilaterally the present terms and/or conditions of issuing a certificate of deposit, commensurate with the changes/regulations/decisions effected by the Bank, amended market terms and/or legislative regulations. The client shall be notified about the changes according to the rule established by the present agreement. 10.5.2.20. If the client disagrees with the changes offered by the Bank, the Bank shall redeem the certificate of deposit at the interest rate existing in the respective term.

General Terms of Service. 10.5.2.1. terms of issuance of the certificate of deposit are posted at the bank web-page xxx.xxxxxxxxx.xx and represents the inseparable part of the respective agreement of the certificate of deposit processed between the bank and the client. 10.5.2.2. on the basis of the present agreement and the respective agreement of the certificate of deposit processed between the bank and the client, the bank shall provide services to the client related to purchase/disposal/repurchase/repayment of the certificate of deposit, consistent with the effective agreement and terms stipulated under the legislation. 10.5.2.3. commensurate with the terms of the agreement, the client is authorized, to purchase the certificate of deposit from the bank under the terms defined by the bank. Furthermore, the bank is authorized, at its discretion to refuse to sell the certificate of deposit to the client. 10.5.2.4. prior to purchasing the certificate of deposit, the client must maintain an active current account at the bank by means of which any settlement related to the certificate of deposit shall be effected (among them, purchase, payment of the interest amount, disposal, repurchase). 10.5.2.5. the holder of the certificate of deposit grants the right to the bank, to withhold the amount from the current account of the holder of the certificate of deposit in non-accepted manner and ensure its transfer to the respective bank account. 10.5.2.6. certificate of deposit may exist only in the dematerialized form. 10.5.2.7. the bank is entitled, to emit the certificate of deposit with or without the right to call for prior to date, determined by the respective agreement of the certificate of deposit. 10.5.2.8. in case if the certificate of deposit is callable, the bank is authorized to repurchase the certificate before its due date consistent with the preliminarily determined call terms, in such case the bank pays to the client the amount of the certificate of deposit and the interest amount accrued by the given period. 10.5.2.9. in case the bank enforces the call right, the call premium may be determined, the amount of which is defied for each particular case, commensurate with the remaining term of the certificate. 10.5.2.10. in case the bank call for the certificate of deposit, the client must, within 5 (five) business days after receiving respective call, visit the bank to accomplish the certificate of deposit repurchase operation. If the client does not visit the bank within the established period, the bank is authorized to repurchase unilaterally the certificate of deposit and transfer respective amount to the current account of the holder of certificate of deposit. 10.5.2.11. the bank is authorized to repurchase the certificate of deposit owned by the client, at the price agreed with the client. Furthermore, the bank is not obliged to repurchase the certificate of deposit prior to the due date. 10.5.2.12. the client may use the certificate of deposit as the means of collateral only with the prior written consent of the bank. Furthermore, the client must, upon use of the certificate of deposit as the means of collateral, transfer to the bank the document evidencing such. 10.5.2.13. in the event certificate of deposit is used as the means of securing the liabilities assumed by the client and/or any other third person to the bank, in case of breaching assumed liabilities, the bank is authorized to recover existing indebtedness from the certificate of deposit, by means of withdrawal in non-accepted manner, without placing the amount to the current account of the holder of the certificate of deposit. 10.5.2.14. after the term indicated in the certificate of deposit expires or after repurchase/call/withdrawal in an non- non-accepted manner, the certificate of deposit shall be repaid, after which the relevant record of the certificate of deposit shall be revoked and the accrual of interest envisaged by the terms of the certificate of deposit shall stop (if any); 10.5.2.15. the bank shall, upon expiry of the effective term of the certificate of deposit, return to the holder of the certificate of deposit the face value of the certificate and accrued interest amount (if any), in case of disposal/repurchase – the agreed price.