Common use of OBLIGATIONS AND RIGHTS OF THE PARTIES Clause in Contracts

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone number, e-mail address and/or other contact information; 5.1.3 upon opening of eachnew account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VW 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information related to banking operations; 5.1.6 to comply with the conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieao. 5.5 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons shall conduct their activities in good faith laanwdful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHever, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachhet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH accordance ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shalol therwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information related to banking operations; 5.1.6 to comply with the conditions of this agreementthisagreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of kindof document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement otheargreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement thaisgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, impreciseproviding ef,alismprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 The bank is notobliged to notobligedto provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ acocunt/ confirming an SMS message the Client confirms that the WKH LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFWFRUUHF 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the atghraetetshe Bank will open a current (payment) and/or caldl eposit call deposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. .This means that by signing an application on opening an account/ confirming an SMS mesmessa,sathge gethe Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons relatepdersons shall conduct their activities in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep andeekp the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract thisnctroact and any previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including legislanti(oIncluding potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(ssuchagreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachhet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH accordance ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shalol therwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information related to banking operations; 5.1.6 to comply with the conditions of this agreementthisagreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of kindof document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement otheargreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement thaisgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, impreciseproviding ef,alismprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 The bank is notobliged to notobligedto provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the WKH LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFWFRUUHF 5.7 By signing an application on opening an account/ confirming an SMS messagemesstahgeeC, the Client lient agrees that the Bank will open a current (payment) and/or caldl eposit call deposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. .This means that by signing an application on opening an account/ confirming an SMS mesmessa,sathge gtehe Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as welal s their related persons shall conduct their activities in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal ofricminal acts and keep the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above abvoe Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting notinagc on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or evenr ts o circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify notif y the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone number, e-mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VW 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shallotherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information related to banking operations; 5.1.6 to comply with the conditions of this agreementthisagreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement otheargreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieao. 5.5 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons shall conduct their activities in good faith laanwdful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHever, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify ansottiofy the bank in writing of change of persons entitled to manage the accounts or receive information receinvfeorimation from the accounts and attact he attach the relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations performraotpioens based on the documents and signature samples formerly supplied formersluypplied to the bank;bank(Except for the remote account(s) according to subparagraph 1.4.1 of the Agreement, in which case providing or submission of documents by the Client to open the account is not manda;tory) 5.1.2 to promptly notify the bank in writing or through t hrough the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f numbe+r:99532 272727)of any change as to the address, phone numbernumbe-rm, e-mail aeil address and/or other contact information; 5.1.3 upon opening of eachnew each new account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK toKtH EDQN WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWGRFXPHQWV UHTXLUHG WKHUHE\ LQ DFFR standing; 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise claiellnot tshherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information VXof SdoScuOm\en tsW(inKvoHic e,EDQN ZL agreement, letter, etc.) related to banking operationsthe client and pfeormed operations by the client. The client shall be responsible for authenticity, accuracy and validity of the documents so presented and supplied; 5.1.6 to comply with the conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document kfinddocoument necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse to fully compensate for all and any and all costs expenses incurred by the bank (including ones related to sending notification to theomcuesr)t related to conclusion, ,attestation, registration, execution andcancelation performance and cancellation of this agreement and any otrheagreement signed other agreement formed within the scope hereof it and/orthe costs incurred by orexapneynses because of the bank due to breach of the clien¶st default on obligations assumed by thiasgreement undertaken obligation. 5.1.11 7R DFW DFFRUGLQJ WR WKH UXOHV XQGHUn , VWioKlenHce (including xxxxx://xxx.xxxxxxx.xx/web/en/web/guest/employe-eprotection-policy) in relations with the client notification costs)Bank. 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation:: a%ndDQHNa¶raVss ment(PPSolOicyR\HH 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ LQIRUPDWLqRueQst ; RQ WKH VWDWX 5.3.2 VWDWXV RI WKH FOLHQW¶V 5.2.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 WKLV DJUHHPHQW DQG 5.2.3 to observe the conditions of this agreement. 5.4 5.3 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase foprurachase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 5.4 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 5.5 Policy for the prevention of tax evasiontaxevasion 5.8.1 5.5.1 Parties declare and guarantee that: 5.8.1.1. 5.5.1.1 Each of them as well as their subsidiaries, parent companies, and related persons shall conduct their activities and brueslaintieosnsships in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties ethics.rPtieas have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the aboveabo-mentioned vmeentioned issues under permanent control. 5.8.1.2. 5.5.1.2 Parties, as well as persons connected to them: memboefrtshe senior management, authorized persons, representatives, employees or other staff of their subsidiaries or parent companies shall not participate in any activities, which may facilitateof (direct facilitoafte(direct or indirect) corruption, tax fraud and tax evasion in ni any form. 5.8.1.3. 5.5.1.3 None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. 5.5.1.4 A breach of any provision of the above Policy may lead to the termination of both this contract and any aanndy previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing party and/or member of its senior management, authorized persopnr,esrentative, employee or other staff or associated person, representative, , of the liability and the corresponding thoerrcesponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an a member of tsheenior management, authorized person, or an other personnelroan associated personperson and/or associated company, if the person was not acting on behalf and by order of the Party. 5.8.1.5. 5.5.1.5 These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions thoevipsrions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s).agreems)e.nt( 5.8.1.6. 5.6 Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or contradictiaonnd/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and endangefrudlluaend due fulfillment of the obligations under the Agreement(s). Depending on the seriousness of violations of the above guarantees,Xxxxxxx has the right to demand that the contracting Party provide its statements and records.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attach the relevant documents docunmtse to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the(Ebaxncekpt for the bank;remote account(s) accroding to subparagraph 1.4.1 of the Agreement, in which case providing or submission of documents by the Client to open the account is not mandat;ory) 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of fo the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each new account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK WKH accordance with t KH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal shall otherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH upon tKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information VX or duly certified copies of documents (invoice, agreement, letter, etc.) related to banking operationsthe client and performed operations by the client. The client shall be resposinble for authenticity, accuracy and validity of the documents so presented and supplied; 5.1.6 to comply with the conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on timetiem; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse to fully compensate for all and any and all costs expenses incurred by the bank (including ones related to sending notification to the customer) related to conclusion, attestation, registration, execution andcancelation performance and cancellation of this agreement and any otrheagreement signed within other agreement formed withinaint d/or any expenses because of the scope hereof and/orthe costs incurred by breach of the bank due to the clien¶st default on obligations assumed by thiasgreement (including the client notification costs)undertaken obligation. 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 5.2.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ WR WK 5.3.3 FOLHQWhis¶aVgreeLmQenVt aWndUrXeleFvaWnLt leRgiQslatioDnF; 5.2.3 to observe the conditions of this agreement.. FRUGLQJ WR W 5.4 5.3 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws undeer tlhaws of rGgieaoGeorgia. 5.5 5.4 The bank is notobliged to notobligedto provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 5.5 Policy for the prevention of tax evasion 5.8.1 5.5.1 Parties declare and guarantee that: 5.8.1.1. 5.5.1.1 Each of them as well aswell as their subsidiaries, parent companies, and related persons shall conduct their activities and business relationships in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraudufrda, facilitation of tax evasion in any form and any other kind of criminal acts and keep the aboveabo-mentioned vmeentioned issues under permanent control. 5.8.1.2. 5.5.1.2 Parties, as well as persons connected to them: members of the senior management, authorized persons, representatives, employees or other staff of their subsidiaries or parent companies shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. 5.5.1.3 None of them or their AssociatedPersonshave been Associated Personhsavebeen found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. 5.5.1.4 A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHeverParties. However, such termination sucehrmt ination does not relieve the infringing party and/or member of its senior management, authorized person, representative, employee or other staff or associated person, of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an a member of the senior management, authorized person, other personnel or an associated personperson and/or associated company, if the person was thesopnerwas not acting on behalf and by order of the Party. 5.8.1.5. 5.5.1.5 These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded concleudd by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. 5.5.1.6 Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any occurrencfe xxxx events or circumstances that may endanger dufeull dufuell and due fulfillment of the obligations under the Agreement(s). Depending on the seriousness of violations of the above guarantees, the Bank has the right to demand that the contracting Party provideits statements and records.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify ansottiofy the bank in writing of change of persons entitled to manage the accounts or receive information receiinvfeormation from the accounts and attact he attach the relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations performraotpioens based on the documents and signature samples formerly supplied formyerslupplied to the bank;bank(Except for the remote account(s) according to subparagraph 1.4.1 of the Agreement, in which case providing or submission of documents by the Client to open the account is not manda;tory) 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f numbe+r:99532 272727)of any change as to the address, phone numbernumbe-rm, e-mail aeil address and/or other contact information; 5.1.3 upon opening of eachnew each new account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK tWo KH EDQN WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWGRFXPHQWV UHTXLUHG WKHUHE\ LQ DFF standing; 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise claiellnot tshherwise not be entitled entitl ed to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information VXof SdoScuOm\en tsW(inKvoHic e,EDQN ZL agreement, letter, etc.) related to banking operationsthe client and rpfeormed operations by the client. The client shall be responsible for authenticity, accuracy and validity of the documents so presented and supplied; 5.1.6 to comply with the conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document kfinddocoument necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse to fully compensate for all and any and all costs expenses incurred by the bank (including ones related to sending notification to theomcuesr)t related to conclusion, ,attestation, registration, execution andcancelation performance and cancellation of this agreement and any otrheagreement signed other agreement formed within the scope hereof it and/orthe costs incurred by orexapneynses because of the bank due to breach of the clien¶st default on obligations assumed by thiasgreement undertaken obligation. 5.1.11 7R DFW DFFRUGLQJ WR WKH UXOHV XQGHUn , VWioKlenHce (including xxxxx://xxx.xxxxxxx.xx/web/en/web/guest/employe-eprotection-policy) in relations with the client notification costs)Bank. 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation:: a%ndDQHNa¶raVss ment(PPSolOicyR\HH 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ LQIRUPDWLqRueQst ; RQ WKH VWDWX 5.3.2 VWDWXV RI WKH FOLHQW¶V 5.2.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 WKLV DJUHHPHQW DQG 5.2.3 to observe the conditions of this agreement. 5.4 5.3 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase foprurachase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 5.4 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 5.5 Policy for the prevention of tax evasiontaxevasion 5.8.1 5.5.1 Parties declare and guarantee that: 5.8.1.1. 5.5.1.1 Each of them as well as their subsidiaries, parent companies, and related persons shall conduct their activities and brueslaintieosnsships in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties ethics.rPtieas have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the aboveabo-mentioned vmeentioned issues under permanent control. 5.8.1.2. 5.5.1.2 Parties, as well as persons connected to them: memboefrtshe senior management, authorized persons, representatives, employees or other staff of their subsidiaries or parent companies shall not participate in any activities, which may facilitateof (direct facilitoafte(direct or indirect) corruption, tax fraud and tax evasion in ni any form. 5.8.1.3. 5.5.1.3 None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. 5.5.1.4 A breach of any provision of the above Policy may lead to the termination of both this contract and any aanndy previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing party and/or member of its senior management, authorized persopnr,esrentative, employee or other staff or associated person, representative, , of the liability and the corresponding thoerrcesponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an a member of tsheenior management, authorized person, or an other personnelroan associated personperson and/or associated company, if the person was not acting on behalf and by order of the Party. 5.8.1.5. 5.5.1.5 These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions thoevipsrions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).agreems)e.nt(

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligationolbigation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachhet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH accordance ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shallotherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG If requested by the Bank, immediately supply/present/transfer to the Bank the information related to the client and the banking operationstransactions performed by the latter, a signed oinriagl of any and all documents (invoice, agreement, letter and/or etc.) or a properly certified copy thereof (the client shall be held responsible for the authenticity, accuracy and legality of the information/document(s)); 5.1.6 to comply with the conditions of this ofthis agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind anykind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement anythoer agreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement thaisgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDnLQtVanWdUreXlevFanWt LlegRisQlat ionD; FFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaooof rGgiea. 5.5 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ iQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFWFRUUHFW DQG 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account call depotsai ccount (in any currency) for transferring money to/from the deposit account an/or for the purposoef purpose of credit repayment. This repaymenTt.his means that by signing an application on opening an account/ confirming an SMS mesmess,sathge athge Client agrees to all terms and conditions condoitni s related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons shall conduct their activities in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any andany other kind of criminal acts and keep the aboveabo-ve mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof facilitate of (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave AssociatedPersons have been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHeverParties.oHwever, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In additionadtdioi n, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties untiel thParties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull due full and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify notif y the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone number, e-mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VW 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shallotherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information related to banking operations; 5.1.6 to comply with the conditions of this agreementthisagreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement otheargreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 VWDWX 5.2.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 5.2.3 to observe the conditions of this agreement. 5.4 5.3 The client shall be prohibited por hibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 5.4 The bank is notobliged to provide client with information on changes (including changes related changeselrated to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons shall conduct their activities in good faith laanwdful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHever, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attach the relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone number, e-mail address and/or other contact information; 5.1.3 upon opening of eachnew account to supply to the bank the documents required thereby in DFFRUGDQFH ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWƵƉŽŶ ŽƉĞŶŝŶŐ ŽĨ ĞĂĐŚ ŶĞǁ ĂĐĐŽƵŶƚ ƚŽ ƐƵƉƉůLJ ƚŽ ƚŚĞ ďĂŶŬ ƚŚĞ Ě tax/entrepreneurial standing; 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal shall otherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information ƵƉŽŶ ƚŚĞ ďĂŶŬ͛Ɛ ƌĞƋƵĞƐƚ ŝŵŵĞĚŝĂƚĞůLJ ƚŽ ƉƌĞƐĞŶƚ ĂŶĚ ƐƵofƉƉůLJ ƚŚĞ documents (invoice, agreement, letter, etc.) related to banking operationsthe performed operations by the client. The client shall be responsible for authenticity, accuracy and validity of the documents so presented and supplied; 5.1.6 to comply with the observe conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX5.2.1 ƚŽ ƉƌŽǀŝĚĞ ƚŚĞ ĐůŝĞŶƚ ǁŝƚŚ ŝŶĨŽƌŵĂƚŝŽŶ ŽŶ ƚŚĞ ƐƚĂƚƵƐ ŽĨ ƚŚĞ Đůŝ 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn5.2.2 ƚŽ ƉĞƌĨŽƌŵ ƚŚĞ ĐůŝĞŶƚ͛Ɛ meŝntŶaƐndƚreƌlevƵanĐt lƚegŝislaŽtioŶn; FFRUGLQJ WR WK 5.3.3 ĂĐĐŽƌĚŝŶŐ ƚŽ ƚŚŝƐ ĂŐƌĞĞ 5.2.3 to observe the conditions of this agreement. 5.4 5.3 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons shall conduct their activities in good faith laanwdful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHever, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations and warranties shall remain in force untilethParties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull and due fulfillment of the obligations under the Agreement(s).

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attacthe relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the(Ebaxncekpt for the bank;remote account(s) according to subparagraph 1.4.1 of the Agreement, in which case providing or submission of documents by the Client to open the account is not mandat;ory) 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each new account to supply to the bank the documents required thereby in DFFRUGDQFH therienbayccordance ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal shall otherwise not be entitled to use the account for entrepreneurial purposesentreprenelupriuarposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG information or duly certified copies of documents (invoice, agreement, letter, etc.) related to banking operationsthe client and performed operations by the client. The ciel nt shall be responsible for authenticity, accuracy and validity of the documents so presented and supplied; 5.1.6 to comply with the conditions of this agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse to fully compensate for all and any and all costs expenses incurred by the bank (including ones related to sending notification to the customer) related to conclusion, attestation, registration, execution andcancelation performance and cancellation of this agreement and any otrheagreement signed other agreenmt eformed within it and/or any expenses because of the scope hereof and/orthe costs incurred by breach of the bank due to undertaken obligation. 5.1.11 7R DFW DFFRUGLQJ WR WKH UXOHV XQGHU WKH %DQN¶V (P Policy (xxxxx://xxx.xxxxxxx.xx/web/en/web/guest/employe-perotection-policy) in relations with the clien¶st default on obligations assumed by thiasgreement (including the client notification costs)Bank. 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 5.2.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX 5.3.2 VWDWX 5.2.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDnLQVWUXFWLRQ nD; FFRUGLQJ WR WK 5.3.3 5.2.3 to observe the conditions of this agreement. 5.4 5.3 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 5.4 The bank is notobliged to provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ confirming an SMS message the Client confirms that the LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFW 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that the Bank will open a current (payment) and/or caldl eposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef credit repayment. This means that by signing an application on opening an account/ confirming an SMS mes,sathge Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 5.5 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. 5.5.1.1 Each of them as well as their subsidiaries, parentmcpoanies, and related persons shall conduct their activities and business relationships in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form iny afonrm and any other kind of criminal acts and keep the aboveabo-mentioned vmeentioned issues under permanent control. 5.8.1.2. 5.5.1.2 Parties, as well as persons connected to them: members of the senior management, authorized persons, representatives, employees or other staff of thesiur bsidiaries or parent companies shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. 5.5.1.3 None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruptionicnorruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. 5.5.1.4 A breach of any provision of the above Policy may lead to the termination of both this contract and any previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing theinignifnr g party and/or member of its senior management, authorized person, representative, employee or other staff or associated person, of the liability and the corresponding sanctions, as provided by the legislation (Including potential criminal responsibilityresponsibiilty). In addition, the Parties confirm that a Party shall not be liable for an action of an a member of the senior management, authorized person, other personnel or an associated personperson and/or associated company, if the person was not acting on behalf and by order of aonrdebryof the Party. 5.8.1.5. 5.5.1.5 These representations and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or fullor partial termination of such agreement(s). 5.8.1.6. 5.6 Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may xxxxxx m endanger dufeull duefull and due fulfillment of the obligations under the Agreement(s). Depending on the seriousness of violations of the above guarantees, the Bank has the right to demand that the contracting Party provide its statements and records.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 5.1 The client shall be under obligation: 5.1.1 to notify the bank promptly of any change and amendment to the documents and information provided to the bank, as well as to notify the bank in writing of change of persons entitled to manage the accounts or receive information from the accounts and attact he attachhet relevant documents to the notification. Prior to the receipt of the notification on the amendment and the attached documents the bank shall perform operations based on the documents and signature samples formerly supplied to the bank; 5.1.2 to promptly notify the bank in writing or through the internet-banking or contacting the Call Center of the bank (to the following number:+99532 272727o) f any change as to the address, phone numbernumbe-r, e-e mail address and/or other contact information; 5.1.3 upon opening of eachnew each enw account to supply to the bank the documents required thereby in DFFRUGDQFH accordance ZLWK WKH FOLHQW¶V WD[ HQWUHSUHQHXULDO VWVWDQGLQJ 5.1.4 to use account designated for entrepreneurial purposes solely in case of relevant tax/entrepreneurial standing. The client shlal otherwise shallotherwise not be entitled to use the account for entrepreneurial purposes; 5.1.5 XSRQ WKH EDQN¶V UHTXHVW LPPHGLDWHO\ WR SUHVHQW DQG If requested by the Bank, immediately supply/present/transfer to the Bank the information related to the client and the banking operationstransactions performed by the latter, a signed oinriagl of any and all documents (invoice, agreement, letter and/or etc.) or a properly certified copy thereof (the client shall be held responsible for the authenticity, accuracy and legality of the information/document(s)); 5.1.6 to comply with the conditions of this ofthis agreement; 5.1.7 to comply with the procedures described in the sources disseminated by the bank; 5.1.8 to pay the commission fees on time; 5.1.9 to sign and submit to the bank in no later than 3 (three) calendar days after receipt of the request from the bank any kind anykind of document necessary for the latter to effect its rights and carry out the obligation(s) of the client hereunder; 5.1.10 Fully reimburse any and all costs related to conclusion, attestation, registration, execution andcancelation of this agreement and any otrheagreement anythoer agreement signed within the scope hereof and/orthe costs incurred by the bank due to the clien¶st default on obligations assumed by thiasgreement thaisgreement (including the client notification costs). 5.2 The Client is aware of the possible consequences of providifnaglse, imprecise, incompleteand/or unconfirmed information 5.3 The bank shall be under obligation: 5.3.1 WR SURYLGH WKH FOLHQW ZLWK LQIRUPDWLRQ RQ WKH VWDWX VWDWX 5.3.2 WR SHUIRUP WKH FOLHQW¶V LQVanWdUreXlevFaWnt LlegRisQlatioDn; FFRUGLQJ LQVWUXFWLRQ DFFRUGLQJ WR WK 5.3.3 to observe the conditions of this agreement. 5.4 The client shall be prohibited from using any service provided hereunder for illegal purposes, including for a purchase of goods or service that are prohibited under the laws of rGgieaoGeorgia. 5.5 The bank is notobliged to notobligedto provide client with information on changes (including changes related to the beneficial or indexed interest rates); 5.6 By signing an application on opening an account/ anaccount/ confirming an SMS message the Client confirms that the WKH LQIRUPDWLRQ SURYLGHG WKHUHLQ LV WUXH DQG FRUUHFWFRUUHF 5.7 By signing an application on opening an account/ confirming an SMS message, the Client agrees that Clienet sagthreat the Bank will open a current (payment) and/or caldl eposit call deposit account (in any currency) for transferring money to/from the deposit account an/or for the purposoef purpose of credit repaymentrepaymenTth. This is means that by signing an application on opening an account/ confirming accountc/ onfirming an SMS mesmessa,sathge gethe Client agrees to all terms and conditions related to the account in question, including standard tariffs 5.8 Policy for the prevention of tax evasion 5.8.1 Parties declare and guarantee that: 5.8.1.1. Each of them as well as their related persons peornss shall conduct their activities in good faith laanwdful and lawful conduct, observing high standards of ethics. Parties have zero tolerance policy towards corruption, tax fraud, facilitation of tax evasion in any form and any other kind of criminal acts and keep the ketehpe above-mentioned issues under permanent control. 5.8.1.2. Parties, as well as persons connected to them: authorized persons, representatives, shall not participate in any activities, which may facilitateof (direct or indirect) corruption, tax fraud and tax evasion in any form. 5.8.1.3. None of them or their AssociatedPersonshave Associated Personhsave been found guilty and/or accused in corruption, tax fraud and facilitation of tax evasion cases. 5.8.1.4. A breach of any provision of the above Policy may lead to the termination of both this contract conctr and any previous agreement between the Parties.owHeverParties. However, such termination does not relieve the infringing party and/or member of its authorized person, representative, , of the liability and the corresponding sanctions, as provided by the legislation (Including legislationc(lIuding potential criminal responsibility). In addition, the Parties confirm that a Party shall not be liable for an action of an authorized person, or an associated person, if the person was not acting on behalf and by order of the Party. 5.8.1.5. These representations represenattions and warranties shall remain in force untilethParties until the Parties to this Agreement duly and timely fulfill the provisions of this Agreement and/or all other agreement(s) previously concluded by the Parties, in spite of full or partial termination of such agreement(sagerement(s). 5.8.1.6. Any party shall immediately inform the other side of the circumstance(s), which may result in a contradiction and/or violation of these guarantees, as well as the occurrence of any events or circumstances that may endanger dufeull xxxxxxx and due fulfillment of the obligations under the Agreement(s).