Common use of Rights and Obligations of the Parties Clause in Contracts

Rights and Obligations of the Parties. 5.6.5.1 The Bank is authorized to: 5.6.5.1.1 Request the client to pay the minimal amount or recommended amount envisaged by clause 4.6. In case of failure to pay, the Bank is authorized to block the limit of installments and charge the client a penalty to the amount and according to the regulations established by the agreement; 5.6.5.1.2 As a result of a client’s financial condition, legislative requirements/regulations and/or the Bank’s internal procedures/regulations, the Bank may at any time reduce or temporarily restrict the limit of installments. Restriction/cancellation of the limit of installments does not affect the effectiveness of the multi-currency account of the Top|Card. 5.6.5.2 The client is obliged to: 5.6.5.2.1 Cover the recommended or minimal payment amount, consistent with the terms of the present agreement; 5.6.5.2.2 In the period of use of the limit of installments, not to close the multi-currency account. Closing of the multi- currency account shall automatically result in the cancellation of the limit of installments; 5.6.5.2.3 If the Bank terminates the agreement for any reason, suddenly or during the term established by the Bank, repay the used amount in full, the interest rate accrued and the penalty (if any), and fulfil all financial liabilities assumed towards the bank; 5.6.5.2.4 Promptly notify the bank on the occurrence of any of the circumstances set forth in this or in the concrete agreement, which grants the Bank the right to terminate the agreement. 5.6.5.3 The client is authorized to:

Rights and Obligations of the Parties. 5.6.5.1 The Bank is authorized to: 5.6.5.1.1 Request the client to pay the minimal amount or recommended amount envisaged by clause 4.6. In case of failure to pay, the Bank is authorized to block the limit of installments and charge the client a penalty to the amount and according to the regulations established by the agreement; 5.6.5.1.2 As a result of a client’s financial condition, legislative requirements/regulations and/or the Bank’s internal procedures/regulations, the Bank may at any time reduce or temporarily restrict the limit of installments. Restriction/cancellation of the limit of installments does not affect the effectiveness of the multi-currency account of the Top|Card. 5.6.5.2 The client is obliged to: 5.6.5.2.1 Cover the recommended or minimal payment amount, consistent with the terms of the present agreement; 5.6.5.2.2 In the period of use of the limit of installments, not to close the multi-currency account. Closing of the multi- currency account shall automatically result in the cancellation of the limit of installments; 5.6.5.2.3 If the Bank terminates the agreement for any reason, suddenly or during the term established by the Bank, repay the used amount in full, the interest rate accrued and the penalty (if any), and fulfil all financial liabilities assumed towards the bank; 5.6.5.2.4 Promptly notify the bank on the occurrence of any of the circumstances set forth in this or in the concrete agreement, which grants the Bank the right to terminate the agreement. 5.6.5.3 The client is authorized to: 5.6.5.3.1 Address the bank on termination/reduction of the limit of installment. In such a case, the client is obliged to fully cover the amount utilized under the limit of installments and the current due payment.

Rights and Obligations of the Parties. 5.6.5.1 The Bank is authorized to: 5.6.5.1.1 Request the client to pay the minimal amount or recommended amount envisaged by clause 4.6. In case of failure to pay, the Bank is authorized to block the limit of installments and charge the client a penalty to the amount and according to the regulations established by the agreement; 5.6.5.1.2 As a result of a client’s financial condition, legislative requirements/regulations and/or the Bank’s internal procedures/regulations, the Bank may at any time reduce or temporarily restrict the limit of installments. Restriction/cancellation of the limit of installments does not affect the effectiveness of the multi-currency account of the Top|Card. 5.6.5.2 The client is obliged to: 5.6.5.2.1 Cover the recommended or minimal payment amount, consistent with the terms of the present agreement; 5.6.5.2.2 In the period of use of the limit of installments, not to close the multi-currency account. Closing of the multi- currency account shall automatically result in the cancellation of the limit of installments; 5.6.5.2.3 If the Bank terminates the agreement for any reason, suddenly or during the term established by the Bank, repay the used amount in full, the interest rate accrued and the penalty (if any), and fulfil all financial liabilities assumed towards the bank; 5.6.5.2.4 Promptly notify the bank on the occurrence of any of the circumstances set forth in this or in the concrete agreement, which grants the Bank the right to terminate the agreement. 5.6.5.3 The client is authorized to:

Rights and Obligations of the Parties. 5.6.5.1 The Bank is authorized to: 5.6.5.1.1 Request the client to pay the minimal amount or recommended amount envisaged by clause 4.6. In case of failure to pay, the Bank is authorized to block the limit of installments and charge the client a penalty to the amount and according to the regulations established by the agreement; 5.6.5.1.2 As a result of a client’s financial condition, legislative requirements/regulations and/or the Bank’s internal procedures/regulations, the Bank may at any time reduce or temporarily restrict the limit of installments. Restriction/cancellation of the limit of installments does not affect the effectiveness of the multi-currency account of the Top|Card. 5.6.5.2 The client is obliged to: 5.6.5.2.1 Cover the recommended or minimal payment amount, consistent with the terms of the present agreement; 5.6.5.2.2 In the period of use of the limit of installments, not to close the multi-currency account. Closing of the multi- multi-currency account shall automatically result in the cancellation of the limit of installments; 5.6.5.2.3 If the Bank terminates the agreement for any reason, suddenly or during the term established by the Bank, repay the used amount in full, the interest rate accrued and the penalty (if any), and fulfil all financial liabilities assumed towards the bank; 5.6.5.2.4 Promptly notify the bank on the occurrence of any of the circumstances set forth in this or in the concrete agreement, which grants the Bank the right to terminate the agreement. 5.6.5.3 The client is authorized to: 5.6.5.3.1 Address the bank on termination/reduction of the limit of installment. In such a case, the client is obliged to fully cover the amount utilized under the limit of installments and the current due payment.

Rights and Obligations of the Parties. 5.6.5.1 The Bank is authorized to: 5.6.5.1.1 Request the client to pay the minimal amount or recommended amount envisaged by clause 4.6. In case of failure to pay, the Bank is authorized to block the limit of installments and charge the client a penalty to the amount and according to the regulations established by the agreement; 5.6.5.1.2 As a result of a client’s financial condition, legislative requirements/regulations and/or the Bank’s internal procedures/regulations, the Bank may at any time reduce or temporarily restrict the limit of installments. Restriction/cancellation of the limit of installments does not affect the effectiveness of the multi-currency account of the Top|Card. 5.6.5.2 The client is obliged to: 5.6.5.2.1 Cover the recommended or minimal payment amount, consistent with the terms of the present agreement; 5.6.5.2.2 In the period of use of the limit of installments, not to close the multi-currency account. Closing of the multi- multi-currency account shall automatically result in the cancellation of the limit of installments; 5.6.5.2.3 If the Bank terminates the agreement for any reason, suddenly or during the term established by the Bank, repay the used amount in full, the interest rate accrued and the penalty (if any), and fulfil all financial liabilities assumed towards the bank; 5.6.5.2.4 Promptly notify the bank on the occurrence of any of the circumstances set forth in this or in the concrete agreement, which grants the Bank the right to terminate the agreement. 5.6.5.3 The client is authorized to: 5.6.5.3.1 Address the bank on termination/reduction of the limit of installment. In such a case, the client is obliged to fully cover the amount utilized under the limit of installments and the current due payment.