Common use of The Bank may Clause in Contracts

The Bank may. 3.3.1. change, redraft and amend: 3.3.1.1. the terms and conditions of the Agreement, Rules, Tariffs; 3.3.1.2. other terms of banking services, not defined in the Agreement, Rules; 3.3.2. without further consent of the Customer, to withdraw from the Account through direct debit, also, when Account is blocked: 3.3.2.1. the amount of card transaction; 3.3.2.2. the money erroneously credited to the Account; 3.3.2.3. Customer’s arrears in payment of the Account service fee; 3.3.2.4. other Customer’s arrears to the Bank, also, under other bank account agreements, card issue and servicing agreements concluded with the Bank; 3.3.2.5. the amount of the Overdraft that has arisen and the amount of the accrued penalty from 5th calendar day at the rate established for the product; 3.3.2.6. the money credited to the Account at the incorrect maintenance of the Account (withdrawn from the Account only) during pending time of money on the Account. About withdrawal of such money the Bank shall notify the Customer on the day of cash withdrawal from the Account by email/mobile phone/fax/hand delivery/courier/registered mail (depending on the type of services available to the Customer and the shortest period of delivery of the notification to the Customer, in the Bank’s opinion); 3.3.2.7. the amount of airport lounge visits by the Customer/Customer guests; 3.3.2.8. the amount of unauthorized payment, money transfer; 3.3.2.9. the amount of fine accrued by the Card Payment System; 3.3.3. make conversion at the current rate established by the Bank without the Customer’s further consent when conducting debit or credit card transactions on the Account, provided that currency of the card transaction differs from currency of the Account, except for the Reversal transaction, the rate of which is applied at the time of the transaction; 3.3.4. refuse to consider card transaction claimed by the Customer/extra cardholder upon expiration of 45 (forty-five) calendar days from the date of its operation, as well as if such card payment is unauthorized; 3.3.5. not return the card service fee to the Customer, if the Customer applied for termination/repudiation of the Agreement to the Bank in written form after 30 (thirty) calendar days from the card expiry date; 3.3.6. temporary block the card (including, with the right of its further withdrawal) and if necessary, limit the functionality in the Internet Banking system: 3.3.6.1. if the Customer/extra cardholder is in breach of the terms and conditions of the Agreement and/or the Rules; 3.3.6.2. upon receipt of notification from the Customer of loss/theft of the card, as well as unauthorized access to the Account; 3.3.6.3. if the Bank receives resolutions/regulations of the authorized state bodies and/or officials on the suspension of debit operations on the Account, seizure of money on the Account, temporary restriction on disposition of property, as well as instructions of third parties entitled to withdraw money, in accordance with the legislation of the Republic of Kazakhstan; 3.3.6.4. in case of attempts to make fraudulent transactions; 3.3.6.5. in case of receipt of a message from the Card Payment System about fraudulent declassification of card details (card number, validity period and other details, in some cases even PIN code; 3.3.6.6. on the basis of the letter from the organization (Customer’s employer) of the Customer’s dismissal within the framework of the salary project; 3.3.6.7. in other cases stipulated in the Agreement and/or the legislation of the Republic of Kazakhstan; 3.3.7. block the Account (including, suspend debit transactions on the Account): 3.3.7.1. if the Customer/extra cardholder is in breach of the terms and conditions of the Agreement and/or the Rules; 3.3.7.2. if the Bank receives resolutions/regulations of the authorized state bodies and/or officials on the suspension of debit operations on the Account, seizure of money on the Account, temporary restriction on disposition of property, as well as instructions of third parties entitled to withdraw money, in accordance with the legislation of the Republic of Kazakhstan; 3.3.7.3. if the Customer has debt on any of its obligations to the Bank, including debt under other bank account agreements, card issue and servicing agreements concluded with the Bank; 3.3.7.4. in case of erroneously crediting the Account; 3.