approved by mr r. zilber head of retail private individuals and … · 2020-04-27 · approved by...

Approved by

Mr R. Zilber Head of Retail Private Individuals and

Small Enterprises Directorate, Board Member of AO Raiffeisenbank

On 29th April 2020

Effective as of 13th May 2020

GENERAL TERMS and CONDITIONS of SERVICING BANK ACCOUNTS, DEPOSITS and CONSUMER LOANS of CITIZENRY AO RAIFFEISENBANK

CONTENTS

1. Definitions 2

2. General Provisions 16

3. General Terms of Servicing Bank Accounts 23

4. Placement and Repayment of Fixed-Term Deposits 30

5. Procedure and Terms of execution of Account Transactions 31

6. Servicing Card Accounts 39

7. Procedure of Extension and Repayment of Loans under Credit-Card Transactions 49

8. Procedure of Extension and Repayment of Consumer Loans 56

9. Procedure for settlement of loans for the procurement of a Vehicle 60

10. System Terms of Service 64

11. Provision of the “Transaction Notification” 69

12. Provision of Services by the Bank’s Call Centre 71

13. Provision of Services to Clients through Raiffeisen Teleinfo System 75

14. Service Packages 76

15. Particularities of providing services to Payroll and Individual Payroll Clients 77

GENERAL TERMS and CONDITIONS of SERVICING BANK ACCOUNTS, DEPOSITS and CONSUMER LOANS of CITIZENRY AO RAIFFEISENBANK

1. Definitions

In these General Terms and Conditions of Servicing Bank Accounts, Deposits and Consumer Loans of Citizenry by AO Raiffeisenbank (hereinafter – “the General Terms”) the terms listed shall have the following meaning.

1.1. Authorisation

- as used in Clause 6 “Servicing Bank Card Accounts”, Clause 7 “Procedure of Extension and Repayment of Loans under Credit-Card Transactions” means a permission by the Bank to carry out a Transaction with the Card resulting in the Bank's obligation to honour the payment documents produced through the use of the Card or its number that is not to be cancelled. In certain cases set by Payment Systems Card Transactions may be carried out without Authorisation (hereinafter – “the Non-authorization transactions”), this does not cancel the Bank's obligation to honour the payment documents produced through the use of the Card or its number, and such transactions cannot be cancelled.

- as used in Clause 10 “System Terms of Service” means the procedure for certifying the Client’s rights and confirming the Client’s orders to the Bank, which gives rise to the Bank’s obligations to carry out transactions.

1.2. Delivery address – the address provided by the Client to the Bank for postal or courier delivery of Cards (including Supplementary Cards issued in the name of the Card Holder/ documents. Depending on the Client’s preference Delivery address can be defined as a registration address, home address, work address, postal correspondence delivery address unless otherwise provided by the General Terms.

1.3. Letter of Credit is a covered irrevocable letter of credit in Russian roubles opened by the Bank on the basis of the Letter of Credit Opening Application and used by the Client for making payments by a letter of credit when purchasing real estate, both at the expense of the Client's own funds and at the expense of credit funds provided by the Bank, and also for making payments at the expense of the Client's own funds of commission for rendering services for the acquisition by the Client of the said real estate.

1.4. Card Activation means shift of a payment card issued (re-issued) by the Bank into condition making it an electronic instrument of payment and enabling to use it for Card Transactions. Card Activation is effected by the Bank in the following ways:

by Bank systems automatically at the creation of a PIC to the Card by the Client in one of the following ways: on the Bank's Website, in the Raiffeisen Teleinfo System, in the Raiffeisen-Online System, in the Raiffeisenbank Mobile Application1 within Raiffeisen Teleinfo System, or by PIN-pad in a Bank Subdivision, and for Bank Cards – at the performance of the first Card Transaction using the Bank Card by the Client and the PIN code received in the sealed PIN envelope,

by a Bank’s employee pursuant to the Borrower’s respective request to the Call Centre of the Bank (applicable to Credit Cards);

when the Client/Borrower performs the first Credit Card Operation without the PIN-code assigned to the Credit Card (such a method is only applicable to Credit Cards handed over to the Client/Borrower at the date of the Client’s/Borrower’s filing of the Questionnaire or when applying to the Bank Subdivision for the purpose of Card reissuance).

The Bank reserves the right to provide any of the above means of the Card Activation subject to technical abilities of its granting.

1.5. Alternative Debt means debt arising when connecting the Alternative Payment Service.

1.6. Alternative Payment means Credit Card Loan payment in repayment of the Alternative Debt.

The amount of the Alternative Payment is determined using the following formula:Alternative Payment Amount = ADB xIR

1−(1+IR)−(RPN)+ Fee

where: ADB - the balance of the Alternative Debt amount as of the Date of Credit Card Statement (in the currency of the loan); IR - monthly interest rate equal to 1/12 of the annual interest rate set when connecting the Alternative Payment Service (in percent per annum); RPN - the number of full Reporting Periods left until the day of full repayment of the Alternative Debt; Fee - the amount of a lump-sum fee charged when connecting the Alternative Payment Service when paying for the first Alternative Payment (if applicable).

In case of connecting the Alternative Payment Service, the amount of the Alternative Payment is included on a monthly basis in the Credit Card Statement until the Alternative Debt is fully paid.

1.7. Client's Questionnaire

- A form containing the list of questions, answers to which are provided by the Client in the instances required by the Bank:

For the purpose of Clause 7 “Procedure of Extension and Repayment of Loans under Credit-Card Transactions”

- Bank-approved uniform questionnaire filed by a Client for Credit Card issue being an application for consumer loan filed by a Client applying for a loan (applicable to Loan Agreements concluded after 01.07.2014).

For the purpose of Clause 8 “Procedure of Extension and Repayment of Consumer Loans”:

- Bank-approved uniform document filed by a Client applying for a loan (applicable to Loan Agreements concluded before 01.07.2014);

- Bank-approved uniform questionnaire filed by a Client for consumer loan being an application for consumer loan filed by a Client applying for a loan (applicable to Loan Agreements concluded after 01.07.2014);

For the purpose of Clause 9 “Procedure for settlement of loans for the procurement of a Vehicle”

- Bank-approved uniform document filed by a Client applying for a loan and containing Client’s offer to open an Account (Accounts) (applicable to Loan Agreements concluded before 01.07.2014);

- Bank-approved uniform application-questionnaire filed by a Client for a loan for the purchase of a vehicle being an application for consumer loan filed by a Client applying for a loan and containing Client’s offer to open an Account (Accounts) (applicable to Loan Agreements concluded after 01.07.2014).

1.8. NSPC JSC – National Payment Card System Joint-Stock Company, which is the operational and payment clearing center of the Bank of Russia’s Fast Payment System.

1.9. Authentication Data means Client’s password (including picture password), Card Holder’s fingerprint, digital code, and other data that can be used by Card Holders to access (to unblock) the Mobile Device/ Wearable Device and/or perform Contactless Transactions. Authentication Data is an analogue of the handwritten signature of the Card Holder.

1.10. Bank means Joint Stock Company “Raiffeisenbank”, and, insofar as relevant, any other person to whom the Bank has conceded its rights under the Agreement (including, under the Loan Agreement, the Surety Agreement, the Pledge Agreement).

1 The service is provided as far as the technical implementation.

GENERAL TERMS and CONDITIONS of SERVICING BANK ACCOUNTS, DEPOSITS and CONSUMER LOANS of CITIZENRY

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1.11. Bank Card means a payment card with a chip (microprocessor) embedded in it issued by the Bank under the Agreement and used for the preparation of Orders and other documents due to be paid at the Client’s expense.

1.12. Default bank – credit institution in which the funds beneficiary has an opened bank account and which he/she chose as the main one to receive money transfers via the Fast Payment Service. After the beneficiary installs Default bank, it can only be replaced by installing the new Default bank (cancellation / blocking of the Bank’s default setting is not performed).

1.13. Contactless Bank Card / Contactless Credit Card / Contactless Card means Chip Bank Card / Chip Credit Card / Chip Card of Mastercard International Payment System used for contactless payment for goods /services2 and performing transactions in ATMs using contactless technology3.

1.14. Contactless Transactions means Card Transactions, performed using a Contactless Card/Digital Card and the contactless payment reading device, and in the case of a Digital Card in Digital Payment Service Samsung Pay - a payment reading device with a magnetic strip or Card Transactions performed using Digital Cards in mobile applications and websites that support payment through Digital Payment Service and installed on the Mobile Device/ Wearable Device.

1.15. Beneficiary Owner means an individual able to control the actions of the Client. The Client shall be deemed to be a Client’s Beneficiary Owner, except in cases when there are reasons to believe that the Beneficiary Owner is another person able to control the actions of the Client.

1.16. Blocking of the Card means suspension or termination to use the Card for carrying out transactions (including suspension or termination, leading to Card capturing when an attempt is made to use the same), which can be effected by the Bank on the basis of a notice received from the Client, including Client’s notices mentioned in the General Terms, or at the initiative of the Bank in case of violation by the Client of the procedure for use of the Card or when detecting OWCC performed with the Card. For non-activated payment cards, Blocking of the Card means transferring the payment card to the state when Card Activation is impossible.

1.17. Blocking of the System means suspension or termination of use of the System, which can be effected by the Bank on the basis of a notice received from the Client/ the Authorised Representative/ the Child, including Client’s notices mentioned in General Terms, or at the initiative of the Bank in case of violation by the Client/ the Authorised Representative/ the Child of the procedure for use of the System or when detecting OWCC performed in the System.

1.18. Budget Payment is any payment out of public funds of budgetary system of Russian Federation, indicated in cl. 5.5 and cl. 5.6 of art. 30.5 of Federal Law No. 161-FZ dated June 27, 2011 “On the National Payment System”, in the transfer request of which in the required information 110 “payment code” the indication “1” is specified. The Budget Payment can be credited to an Account only if it is a) an Account to which the MIR card is issued and the cards of Mastercard International/ Visa International payment system are not issued to it or b) Budget account or c) an Account without possibility of Cards issue to it or d) an account to which no Card is issued.

1.19. Budget account is an Account (current account) with a special pattern to which only MIR card can be issued. The Client is entitled to use this current account for settlements with MIR card (if MIR card is issued to it) or as current account without Card (if MIR card is not issued to it).

1.20. Settlement Currency means a currency of settlements between the Bank and the Payment System. Information on the Settlement Currency is available from the Call Centre of the Bank.

1.21. Virtual Image of the Card means an electronic image of a Digital Card installed on the Mobile Device/ Wearable Device.

1.22. Beneficiary means a person who is not participating in a transaction, but for the benefit of whom the Client acts, including under an agency agreement, commission agreement or trust agreement in bank and when conducting transactions with funds and other property.

1.23. Statement of Credit Card means a statement of Account to which the Credit Card was issued, the statement to be prepared by the Bank free of charge for every Reporting period and to include the amount and the terms of Minimum Repayment Amount, Alternative payment (if applicable), information on Transactions on Account / Transactions on the Credit Card (if applicable), is issued, interest calculation procedure, available balance of loan funds (as of the statement date) and other information related to the Credit Card. Statement of Credit Card includes information on Transactions on Account / Transactions on the Credit Card in the production of a statement on paper. When sending Statement of Credit Card electronically to the Client's e-mail address, information on Transactions on Account / Transactions on the Credit Card is not included in the statement and is available to the Client by reference to the System indicated on the statement.

1.24. Statement of Account means a document stating Account Transactions, including the transactions carried out with the use of both the Main Card and Supplementary Cards.

1.25. Repayment Schedule – a schedule specifying the amounts and Dates for Monthly payments. The Repayment Schedule is for information only and is provided to the Borrower and to the Guarantor (wherever applicable) when filing a Loan Application to the Bank/Individual Terms.

1.26. Credit Card Statement Date is a date of calculation of Grace Period Indebtedness Debt, Minimum Repayment Amount and Alternative Debt (if applicable). The Bank informs the Client about the Credit Card Statement Date in form of SMS sent to the Contact mobile telephone number of the Borrower, as well as by e-mail and / or through the System. Herewith if the Credit Card Statement Date falls on a non-business day, then the Credit Card Statement Date is considered to be the next following Business Day. An exception applies when the non-business day is fixed for the Credit Card settlements with the Payment System. The Bank informs the Borrower on Credit Card Statement Date via email and/ or through the System.

1.27. Monthly Payment Date:

The last day of each Interest Period – for all Monthly Payments, except the first Monthly Payment;

Calendar Date specified in the Loan Application/Individual Terms

for the first Monthly Payment (the date of the first Monthly Payment).

1.28. Loan Extension Date

means the date following the Bank’s receipt of the Payment Document, presented in respect of the Borrower’s Account, or electronic data generated by the Payment System or the Bank Terminals.

means the date of crediting the Loan to the Account.

1.29. Deposit Agreement - an agreement for the deposit concluded between the Client and the Bank and containing conditions of opening and withdrawal of the Deposit.

2 Logo «MasterCard PayPass»/ «Visa payWave» on the Card indicates non-contact payment for goods and services. 3 The service is provided as far as the technical implementation.


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1.30. Deposit (savings account) – means a bank deposit agreement, under which the Bank accepts the amount of money (deposit) received from the Client (depositor), and undertakes to return the deposit amount to it and pay interest on it on the terms and in the manner provided for by the agreement. Deposit Agreement is concluded:

–by signing a Deposit Agreement by the Client and the Bank at the Bank’s Division in the form of a bilateral document (applicable for Deposit agreements concluded before December 04, 2019, as well as for Deposit agreements intended for Private Banking customers (personal banking services);

–by signing (filing) by the Client an application for opening a Deposit and acceptance by the Bank of this application by executing the Client's Order on transferring the amount of the Deposit from the Client's Account to the Deposit Account, after which the Deposit Agreement is considered concluded on the terms and conditions specified in the General Terms and Conditions, Tariffs and application for opening a Deposit (applicable when concluding a Deposit Agreement in the Bank Office from December 04, 2019), as well as in cases established by the Bank through the Raiffeisen-Online System/Bank Information Center, regardless of the date of the agreement conclusion).

The types of deposits that can be generated in the Raiffeisen-Online System/ Call Centre of the Bank are determined by the Bank and communicated to the Clients by posting relevant information on the Bank's website/in the Raiffeisen Online System or when the Client applies to the Bank Information Center.

1.31. Deposit Account - an account for the Deposit.

1.32. Card Holder – the Client, in whose name Main Card/Supplementary Card is issued, the Authorised Representative in whose name the Supplementary Card is issued, the Child in whose name the Bank issued a Supplementary Card.

1.33. Power of Attorney (POA) – a written authorization issued by the Client to the Authorised Representative for the representation of the Bank (or any third party) and the performance of any actions for and on behalf of the Client. The Power of Attorney must be certified by a notary or an official of the consular institution of the Russian Federation, or by another authorized person entitled to do so in accordance with applicable law, or executed by the Client in the Bank with an authorized officer of the Bank certifying that the Bank has ascertained the identity of the Client issuing the Power of Attorney.

1.34. Authorised Representative means a fully capable adult person who is authorised to act for and on behalf of the Client pursuant to a Power of Attorney formally issued by the Client or on the basis of an agreement concluded between the Client and the Bank on authorization provided for in cl. 2.9.1.9 -2.9.1.10.

1.35. Agreement means an agreement or agreements for rendering of a relevant banking service (-s) provided for under clause 2.1 of the General Terms.

1.36. Bank account agreement means an agreement under which a current account is opened for the Client with the Bank. The Bank account agreement comes into force from the moment of the opening of a current account by the Bank to the Client (the first current account).

1.37. Pledge Agreement an Agreement pursuant to which Pledger pledges to the Bank the Collateral of the Borrower’s obligations fulfilment under the Loan Agreement, and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized.

1.38. Surety Agreement an Agreement pursuant to which Guarantor undertakes responsibility to the Bank for the Borrower’s fulfilment of its obligations under the Loan Agreement and the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized.

1.39. Supplementary Card (Supplementary Bank Card, Supplementary Credit Card) means the second and further Cards issued to one Account. Supplementary Card can be issued in the name of the Client, his Authorized representative and the Child. The Bank has the right to set limits on the type and category of Supplementary Cards that can be issued to the Main Card of a certain type (if applicable) and category. The expiry date of a Supplementary Card may not extend beyond the expiry date of the Main Card.

The issue of a Supplementary Card in the name of the Authorised Representative is possible in case the Bank has a Power of Attorney to conduct transactions on the Account, which a Supplementary Card is issued, the validity of which is not less than the validity period of the issued Supplementary Card.

Using Supplementary Bank Card issued in his name, the Child can use the money given to him by the Client, who is his legal representative, for free disposal. The amount of funds provided to the Child by the Client for free disposal, is recognized equal to the limit (limits) set on an Supplementary Bank Card, which the Client may at any time change in accordance with clause 6.3.7, 6.3.8 of the General Terms.

The Child with the help of the Supplementary Credit Card issued to him may dispose of the funds provided to him by the Client (who is his legal representative) for free disposal, including at the expense of the Loan provided by the Bank. The amount of funds provided to the Child by the Client for free disposal is recognized as equal to the limit (limits) established under the Supplementary Credit Card.

1.40. Available Balance means a balance of funds available to the Client (funds sufficiency). For the bank products listed below, the Available Balance shall be calculated as follows the cash balance at the Customer’s disposal (funds sufficiency), i.e. it is the amount of funds available at a certain point in time for Account Transaction (including the execution of Orders) or by Card (if any).

Available balance is determined based on the Account / Bank card (if any) balance / amount of the available balance of the Credit limit and the Positive balance on the Account to which the Credit card is issued at the beginning of the current day, and taking into account the amounts :

- funds debited from the Paying Client's Account and credited to the Paying Customer's Account before determining the sufficiency of funds in the Account;

- cash issued from the Account of the Paying Client and credited to the Account of the Paying Client prior to determining sufficiency of funds in the Account;

- amounts of previously completed Bank Card/ Credit Card Transactions (if any) which are blocked on the Account;

- funds provided for in clause 3.7 of the General Terms.

For the purposes of executing Orders, from the Available balance, in addition to the above amounts, the following are also excluded:

- the amount of funds to be debited from the Paying Client's Account based on the Orders accepted for execution and not executed before the start of determining sufficiency of funds in the Account;

- the amounts provided for in cl.5.28, 6.1.8, as well as other provisions of the General Conditions.

The available balance for the purposes of Standing Orders issued to the Deposit Account is determined as the size of the Deposit minus the minimum amount of the Deposit, unless otherwise provided by the Tariffs of the corresponding Deposit.

1.41. Monthly Payment – an amount subject to periodically payment by the Borrower comprising the Loan principal and/or interest on it.


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Amount of Monthly Payments and frequency of their payment are determined according to the procedure set in Clause 8 “Procedure of Extension and Repayment of Consumer Loans” hereof / Clause 9 “Procedure for the provision and settlement of loans for the procurement of a Vehicle” hereof / Loan Application.

1.42. Indebtedness as of the Credit Card Statement Date (Grace Period Indebtedness) means an indebtedness arising before the end of the of the Transaction Day of the Credit Card Statement Date of the current calendar month and set in the Statement of Credit Card. The following is included therein:

outstanding principal debt arising before the Reporting Period (except for the amount of overdue principal debt),

overdue principal debt,

overdue interest,

outstanding principal debt arising within the Reporting Period,

Alternative Payment,

total interest accrued for the Reporting Period,

Credit Limit overlimit;

Indebtedness of payment of state duty;

penalty for failure to perform or improper fulfillment of obligations to repay the debt.

1.43. Borrower an individual signing a Loan Agreement with the Bank and receiving the Loan thereunder. For Loan Agreements concluded before 01.07.2014 the term “Client” has the same meaning as the term “Borrower”.

1.44. Excessive Debt Loans means the situation where the risk of default of the Borrower’s / the Client’s obligations under loan agreements and of penal sanctions applied to the Borrower / the Client by the creditors if within one year the total amount of payments under all available credits (loans) exceeds fifty per cent of the Borrower’s / the Client’s annual receipts.

1.45. Pledger - an individual signing a Pledge Agreement with the Bank and pledging Collateral to the Bank to ensure the Borrower’s fulfilment of its obligations under the Loan Agreement, and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized.

1.46. Payroll Client is a Client who is employed by a company that concluded an Agreement with the Bank.

1.47. Letter of Credit Opening Application is a Client's application for the issuance of the Letter of Credit executed in accordance with the Bank's form and containing all the terms and conditions of the payment under the Letter of Credit for the real estate purchased by the Client, as well as payment for services rendered to the Client for the acquisition by the Client of the said immovable property.

1.48. Credit Card Application (applicable to Loan Agreements concluded before 01.07.2014) means an application for the Credit Card issue, which is filed by the Client with the Bank substantially in the form, adopted by the Bank, and contains the Client’s offer to enter into a credit card issue and service agreement. The acceptance of such offer by the Bank shall be the opening of the Account by the Bank.

1.49. Loan Application (applicable to Loan Agreements concluded before 01.07.2014)

as used in Clause 8 “Procedure of Extension and Repayment of Consumer Loans” means a loan application which is filed by the Client with the Bank substantially in the form, adopted by the Bank, and contains the Client’s offer to enter into a Loan Agreement. The acceptance of such offer by the Bank shall be the extension of the Loan to the Client by the Bank.

for the purpose of Clause 9 “Procedure for the provision and settlement of loans for the procurement of a Vehicle” - Loan Application to AO Raiffeisenbank for the procurement of a Vehicle, submitted by the Borrower, Pledger, Guarantor to the Bank. A Loan Application is an Offer for a Loan Agreement, a Pledge Agreement and a Surety Agreement and constitutes their integral part. The Offer is accepted as the Bank provides a Loan to the Borrower. Here, if the Bank opens and maintains a current Account(s) and/or issues and maintains a Card based on the Questionnaire, as specified in the Loan Application, the clause providing for the terms of the agreement pursuant to which a current Account(s) is (are) opened and maintained and/or a Card is issued and maintained, constitutes a part of the respective Agreement.

1.50. System Registration Request is a request drafted and submitted to the Bank subject to the rules of Section 10 of the General Terms in order to receive information access to the System. Information access to the System provides insight into the Accounts, Cards, Deposits, Credits, and other products, and enables activities that do not require One-time Password under Clause 1.166 of the General Terms, but does not provide an ability to perform any active transactions in the System.

1.51. One-time Password Request means a request drafted and submitted to the Bank subject to the rules of Section 10 of the General Terms and Conditions in order to receive access to active transactions in the System (Credit Card Transactions/Supplementary Card Transactions, Account Transactions, transactions with Deposits (Deposit opening, Deposit closing, Deposit prolongation, partial Deposit withdrawal), Loan prepayment, any other transactions provided for by the General Terms and Conditions or Agreements).

1.52. Statement of Obligation – Borrower’s written statement in the Bank-approved format requesting complete or partial early repayment of the Loan.

1.53. Offer Application means an application for a Pledge Agreement and a Surety Agreement (if applicable) submitted by the Pledger and the Guarantor (if applicable) to the Bank. The Offer Application constitutes the integral part of the Pledge Agreement and the Surety Agreement consisting of the Offer Application and the General Terms.

1.54. Identifier, or ID – information that allows identifying the bank account number of the funds’ beneficiary. The identifier is used when making transfers and crediting funds in cases established by the General Terms. The Identifier uses information as defined in clauses 5.14, 5.42 of the General Terms.

1.55. Individual Terms mean individual terms of a Loan Agreement agreed between the Borrower and the Bank individually and including the terms expressed by the law and other terms agreed between the parties (applicable to Loan Agreements concluded after 01.07.2014).

1.56. Individual Payroll Client – a Client of the Bank who is the holder of any Bank Card and receives monthly cash transfers to his/her Account with the purpose of payment indicating the Client receives salary in the amount specified in the Tariffs for payroll clients, from the account (s) of individuals and / or entities open (s) in the third-party credit institutions, and / or from the account (s), legal entities, public (s) with the Bank.

1.57. Identifier IMSI – International Mobile Subscriber Identity, an international mobile subscriber identifier (international identification number of the called party) associated with each user of the mobile communication standard GSM, UMTS, or CDMA. Information about the IMSI is


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fixed by the Bank automatically based on the information provided by the mobile operator at the mobile phone number provided for receipt of One-time Password in the form of SMS-messages or changing at the Mobile phone number for One-Time Passwords. If necessary (for example, when replacing the SIM-card by a mobile operator), information about the number of the IMSI can be changed at the request of the Card Holder, submitted to the Bank as a written application to the Bank Subdivision or by the Bank’s Call Centre.

1.58. Design ID is a unique identification number assigned by the Bank to the Client’s application for an individual Credit Card design after the process of creating such application by the Client on the Bank’s Website

1.59. Call Centre of the Bank means a subdivision of the Bank, which provides services to the Client upon his/her phone call to the Bank in accordance with Clause 12 of these General Terms.

1.60. Card means a Bank Card and a Credit Card, if mentioned together.

1.61. Individual Design Card is the Main Card or Additional Card with the face design created by the Client by way of selecting an image from the image gallery (library) at the Bank’s Website or uploading its own image. The categories of Individual Design Cards are determined by the current Tariffs on the Cards.

1.62. MIR Card is the Bank Card of the Payment System “Mir”, which is a national payment instrument according to Federal Law “On the National Payment System” No. 161-FZ dated June 27, 2011.

1.63. Borrower Category means a reference assigned by the Bank to the Borrower. The Borrower Category classification includes 12 categories:

Borrower Category 1 includes the Borrowers who presented the documents confirming their income. The list of documents is available in the Bank Subdivisions and on the Bank Website ;

Borrower Category 2 includes the Borrowers who presented no documents confirming their income;

Borrower Category 3 includes the Borrowers being employees of the partner companies of the Bank approved for easy-term loans. The information on employers included into the list of partner companies of the Bank approved for easy-term loans may be received on: 8-800-700-90-01;

Borrower Category 4 includes the Borrowers:

Payroll Clients, or

being Individual Payroll Clients;

Borrower Category 5 includes the Borrowers:

having a special individual offer with previously approved Credit Limit, or

received a special individual offer with a pre-approved Credit Limit and at the same time relating to Borrowers Category 4;

Borrower Category 6 includes the Borrowers to whom a Credit Card was issued under positive decision of the Bank on consumer loan;

Borrower Category 7 includes the Borrowers to whom a Credit Card was issued under positive decision of the Bank on loan for the procurement of a Vehicle;

Borrower Category 8 includes the Borrowers who concluded an agreement with the Bank on services under the Service Package provided by the Tariffs on the Credit Cards / who effected the connection of the above Service Packages in accordance with Clause 15 hereof;

Borrower Category 9 includes the Borrowers being Bank Employees;

Borrower Category 10 includes the Borrowers being employees of one of the following entities: OOO “Siemens”, OOO ”Siemens Transformatory”, OOO “Siemens Industry Softver, OOO "Siemens Zdravoohranenie"; LLC "Siemens Technologies of Gas Turbines", LLC "Siemens Mobility";

Borrower Category 11 includes the Borrowers being employees of the companies where the service terms are agreed between the Bank and the company individually;

Borrower Category 12 includes the Borrowers whose service terms are agreed bу the Bank individually.

Change of the Borrower Category can be performed by the Bank from the first Working day following the day when the Bank becomes aware of the onset of the basis for the change of the Borrower Category. The bases for change of Borrower Category are stipulated by the Rates.

1.64. Quasi-cash Transaction – Credit-card Transaction operations with highly liquid assets that can be directly converted into cash. These operations, in particular, include: the completion of the online wallet (e-wallet), payment of traveler's checks, updating of accounts in other banks, purchase of casino chips, lottery tickets and other operations. The Bank determines Quasi-Cash Transactions using the following MCC (Merchant Category Code) codes set by a third-party bank when conducting acquiring: 4829 Money transfers, 6012 Financial institutions - trade and services, 6050 Financial institutions - quasi-cash, 6051 Non-financial institutions - quasi-cash, 6211 Securities - Brokers / Dealers, 6538 Money transfers MasterCard MoneySend Funding, 7801,7802,7995 Gambling, 5933 pawnshops. 1.65. Client means an individual serviced by the Bank or being received for services in the Bank, applying to the Bank for carrying out payment, deposit, loan, foreign exchange and other bank transactions in compliance with the laws of the Russian Federation. 1.66. Simple Electronic Signature Key means a unique sequence of characters designed to create a simple electronic signature to sign documents by the Client, to file applications/receive services in cases provided for by the General Terms and Conditions:

1.66.1. to sign documents in the System, the Client use a combination of the One-Time Password and identifiers for accessing the System specified in clause 10.2 of the General Terms and Conditions as a Simple Electronic Signature Key.

1.66.2. to file applications/receive services on the Bank's Website, a combination of the One-Time Code and Contact Mobile Phone Number is used as a Simple Electronic Signature Key.

The Parties have hereby established the following procedure for determining the person that signs the documents on the Bank's Website with the Simple Electronic Signature Key: specifying, when ordering banking products/services on the Bank's Website, the Contact Mobile Phone Number in the column provided for confirming the information/data entered by the Client, the One-Time Code received by the Client on the Client’s Contact Mobile Phone Number is the fact that the Client has filed documents through the Bank’s Website and sufficient evidence that the documents are signed by the Client with a simple electronic signature in accordance with Federal Law No. 63-FZ “On Electronic Signature” dated 06.04.2011. The Client agrees to maintain the confidentiality of the Simple Electronic Signature Key. This method of signing applications/receiving services is used for applications filed by the Client through the Bank's Website: to create a PIN code, to issue a Bank Card and to open an Account, to register in the System, to a One-Time Password, to activate the Service «Transaction Notification» and other documents provided for by the Bank. Information about the list of applications/services that can be filed on the Bank's Website by the Trustee/Child shall be notified to concerned parties when such parties contact the Bank Call Center.

Documents signed in this way shall be recognized by the Bank and the Client as documents equivalent to paper documents signed by own hand, and can serve as supporting documents (evidence) when considering disputes, including in court.


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The Simple Electronic Signature Key is applied in accordance with the rules established by the Bank, and the created and (or) sent Electronic Document contains information indicating the Client on which behalf the Electronic Document was created and (or) sent. 1.67. Simple Electronic Signature Key with Hash Code is a unique sequence of symbols designed to create a simple electronic signature for the purpose of signing by the Client of the documents in cases stipulated by the General Terms. A set of One-time password, identifiers for access to the System specified in clause 10.2 of the General Terms, and a Hash code is used as the Key of the simple electronic signature with Hash Code. Simple Electronic Signature Key with Hash Code is applied in accordance with the rules established by the Bank, and in the created and (or) sent Package of electronic documents contains information indicating the Client on whose behalf each of the Electronic Documents included in the package of electronic documents was created and (or) sent. 1.68. Activation code means a unique sequence of digits, which may be sent by the Bank to the Card Holder as SMS –message Contact mobile telephone number or in the form of Push notifications to the Contact Mobile Device, if the Client has registered such a Mobile Device in the Raiffeisenbank Mobile Application when the Card Holder purchases goods or services via the Internet (using Verified by Visa, MasterCard SecureCode or Mir Accept) and used for Authorization of the purchase. The Bank holds no responsibility for Activation code usage by third persons that become possible as a result of handover by the Card Holder to any third persons of mobile phone where the Contact mobile telephone number is used.

1.69. Code Word – Code Word of the Client and/or Code Word of the Authorized Representative and/or the Code Word of the Child.

1.70. Code Word of the Client

- any word, number or a combination thereof created by the Client when opening Account or at a subsequent Client’s written request to the Bank Subdivision, or in the manner prescribed by clause 2.10.2 of the General Terms,

- a combination of numbers sent by the Bank to the Client on the Client’s Contact mobile phone number in case the Client cannot name the Bank the Code word provided to the Bank earlier in the above order,

used to validate the identity of the Client when addressing the Bank’s Information Centre in accordance with Section 12 of these General Terms, and the Bank contacting the Client by telephone whenever it is required to convey information on the Card or Account to the Client (in this case the Client has the right to refuse to report the Code Word and can call back to the Bank or contact the Bank Subdivision in person); validate the Client’s instructions and in other cases established by these General terms and Conditions. The Client can change the Code Word previously indicated to the Bank by contacting the Bank Subdivision with the appropriate request.

1.71. Code Word of the Authorized Representative

- any word, number or a combination thereof, specified by the Client or its Authorized Representative when registering the Power of Attorney in the Banks' systems, when changing the personal data of the Authorized Representative, when issuing Supplementary Cards in the name of the Authorized Representative,

- a combination of numbers sent by the Bank to the Authorized Representative on the Authorized Representative’s Contact mobile phone number in case the Authorized Representative cannot name the Bank the Code word provided to the Bank earlier in the above order,

and is used to validate the identity of the Authorized Representative contacting the Bank’s Information Centre with inquiries on Supplementary Cards, as well as the Bank contacting the Authorized Representative by telephone whenever it is required to convey information on the Supplementary Card to the Authorized Representative (in this case the Authorized Representative has the right to refuse to report the Code Word and can call back to the Bank or contact the Bank Subdivision in person). The Authorized Representative can change the Code Word previously indicated to the Bank by contacting the Bank Subdivision with the appropriate request.

1.72. Code Word of the Child

- any word, number or a combination thereof, specified by the Client with the issue of a Supplementary Cards in the name of the Child,

- a combination of numbers sent by the Bank to the Child on the Child’s Contact mobile phone number in case the Child cannot name the Bank the Code word provided to the Bank earlier in the above order,

and is used to validate the identity of the Child contacting the Bank’s Information Centre with inquiries on Supplementary Cards, as well as the Bank contacting the Child by telephone whenever it is required to convey information on the Supplementary Card to the Child ( in this case the Child has the right to refuse to report the Code Word and can call back to the Bank or call back to the Bank). The Client can change the Code Word previously indicated to the Bank by contacting the Bank Subdivision with the appropriate request.

1.73. Contact Mobile Device - a Mobile device that the Client registered in the Raiffeisenbank Mobile Application and installed for the purposes of receiving Push Notifications within the Service «Transaction Notification».

1.74. Contact number – Contact mobile telephone number of the Client and/or Contact mobile telephone number of the Authorized Representative and/or the Contact mobile phone number of the Child.

1.75. Contact mobile telephone number of the Client means a number of mobile telephone, which the Client communicates to the Bank when applying to the Bank for opening the first and subsequent Accounts, notification of the Bank regarding the change of the Client’s personal information, connection of SMS – services Raiffeisen MOBILE/ SMS – Bank, and which is used for communication between the Bank and the Client in the events provided for under the Agreement, the General Terms, Tariffs, Card Rules, laws of the Russian Federation and sending by the Bank of information SMS-messages, Activation Code and One-time code. In case the Client gave no Contact mobile telephone number the Bank is entitled to use any other mobile telephone number given to the Bank by the Client for service purpose as the Contact mobile telephone number. The Client is entitled to change the Contact mobile telephone number by presenting an appropriate application:

to the Bank Subdivision;

through the Bank’s ATM and any Card issued in the name of the Client. With this method of filing the above mentioned application:

1) The Client enters the PIN and follows the instructions on the ATM screen, including format of the mobile phone number. In the case of specifying a mobile phone in a format different from that indicated on the ATM screen, the Bank has the right not to execute such an application of the Client;

2) The Mobile phone number for One-Time Passwords is changed.

through the Raiffeisen-Online4.

The Client is entitled to set a telephone number registered with the Bank for provision of Service «Transaction Notification» or the Mobile phone number for One-Time Passwords by the Client as the Contact mobile telephone number. In this case, the mobile phone number for the Transaction Notification service remains unchanged.

4 The service is available according to the extent of technical realization.


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1.76. Authorized Representative Contact Mobile Telephone Number is the mobile telephone number communicated by the Authorized Representative to the Bank when applying to the Bank for a Supplementary Card and used for communications between the Bank and the Authorized Representative as provided for by the Agreement, General Terms, Tariffs, Card Rules, Russian law, and for the Bank to send information SMS-messages, Activation Code and One-time code. Where an Authorized Representative fails to provide the Bank with its Authorized Representative Contact Mobile Telephone Number, the Bank may instead use any other mobile telephone number submitted by the Client/Authorized Representative to the Bank for banking services. Authorized Representative may change its Authorized Representative Contact Mobile Telephone Number by submitting a relevant request:

to a Bank's Subdivision;

through an ATM using any Supplementary Card issued in the name of the Authorized Representative. Should such request be submitted as described above:

1) the Authorized Representative enters the PIN-code and follows the instructions on the ATM screen, including the requirements to the format of the mobile telephone number. Where the format of the entered mobile telephone number differs form that on the screen, the Bank may refuse to comply with the request;

2) the Mobile Telephone Number of the Authorized Representative for One-time Passwords changes.

The Authorized Representative may set the number registered with the Bank for the provision of the Transaction Notification Service under the Supplementary Card issued in the name of the Authorized Representative, or the Mobile Telephone Number for One-time Passwords as the Authorized Representative Contact Mobile Telephone Number. In this case, the mobile telephone number for the Transaction Notification service remains unchanged.

with Raiffeisen-Online System5.

1.77. Child Contact Mobile Telephone Number is the mobile telephone number communicated by the Client to the Bank when applying to the Bank for a Supplementary Card in the name of the Child and used for communications between the Bank and the Child as provided for by the Agreement, General Terms, Tariffs, Card Rules, Russian law, and for the Bank to send information SMS-messages, Activation Code and One-time code. Where the Client fails to provide the Bank with Child Contact Mobile Telephone Number, the Bank may instead use any other mobile telephone number submitted by the Client to the Bank for banking services. The Client may change Child Contact Mobile Telephone Number by submitting a relevant request:

to a Bank's Subdivision;

through an ATM using any Supplementary Card issued in the name of the Child. Should such request be submitted as described above:

1) the Client enters the PIN-code and follows the instructions on the ATM screen, including the requirements to the format of the mobile telephone number. Where the format of the entered mobile telephone number differs form that on the screen, the Bank may refuse to comply with the request;

2) the Mobile Telephone Number of the Child for One-time Passwords changes.

The Client may set the number registered with the Bank for the provision of the Transaction Notification Service under the Supplementary Bank Card issued in the name of the Child, or the Mobile Telephone Number for One-time Passwords as Child Contact Mobile Telephone Number. In this case, the mobile telephone number for the Transaction Notification service remains unchanged.

with Raiffeisen-Online System6.

1.78. Loan means funds extended by the Bank to the Client on the basis of the Loan Agreement including with the use of electronic instruments of payment, for consumer purposes not related to entrepreneurship.

1.79. Loan Agreement

1) as used in Clause 7 “Procedure of Extension and Repayment of Loans under Credit-Card Transactions” means a consumer loan agreement pursuant to which the Bank undertakes to open an Account to the Borrower, to issue and to maintain a Credit Card to that Account and the Borrower undertakes to use the Credit Card in accordance with the General Terms and Card Rules and to repay the Loan when due:

The Loan Agreement consists of an Application for Credit Card issue, General Terms, Card Rules, Tariffs and is executed upon the Borrower’s signing the Application for Credit Card issue and the Bank acceptance the Application by opening an Account to the Borrower (applicable to Loan Agreements concluded before 01.07.2014).

The Loan agreement consists of the General Terms and the Individual Terms (applicable for Loan agreements signed after 01.07.2014). The Loan agreement is concluded:

by signing the Individual Terms by the Borrower and the Bank (applicable during the period from 01.07.2014 until 12.05.2020);

by the Bank’s adoption (acceptance) of the Borrower’s offer on the conclusion of the Loan agreement on the conditions which are contained in the Individual Terms signed by the Borrower. At that, actions of the Bank for opening of the Account and issuance of the credit card, unless the Borrower receives the Credit card on the day of submission of the Client’s Questionnaire, or actions for opening of the Account, unless the Borrower receives the Credit card on the day of submission of the Client’s Questionnaire shall be considered the acceptance of the Borrower’s offer (applicable after 13.05.2020)7;

in cases established by the Bank - by means of the Raiffeisen-Online System. In this case the Package of Documents for the Loan (including the Individual Terms), an application for participation in the insurance program (when applicable)8 shall be signed by the Borrower with a Simple Electronic Signature with use of the Simple Electronic Signature Key. For Loan agreements signed until 12.05.2020 (inclusively), the Individual Terms shall be signed by the Bank with the Electronic Signature of the Bank. After the specified date, the Bank’s signature shal l not be affixed to the Individual Terms.

If the Client is a holder of the Service package “Premium”, “Premium 5”, “Premium Direct”, in some cases in the presence of the consent of the Bank, the Package of Documents for the Loan (including the Individual Terms) and the application for participation in the insurance program

(when applicable)8 can be signed by the Borrower in System with the Simple Electronic Signature with use of the Simple Electronic Signature

5 The service is available according to the extent of technical realization. 6 The service is available according to the extent of technical realization. 7 Not applicable to situations when in the Individual Conditions the date of the offer (provision) of the Individual conditions for the Credit Card to the Borrower is

indicated prior to 13.05.2020. In this case, the Loan Agreement is considered concluded in the order effective until 12.05.2020. 8 Applicable for insurance programs for borrowers of Consumer loans if the Borrower voluntarily agrees to participate in the insurance program.


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Key with a Hash Code according to item 10.2.15 of the General Terms.

2) as used in Clause 8 “Procedure of Extension and Repayment of Consumer Loans”means a consumer loan agreement pursuant to which the Bank undertakes to extend a Consumer Loan to the Borrower and open an Account to him/her (if required), whereas the Client undertakes to repay the Loan when due:

The Loan Agreement consists of a Loan Application, General Terms, Card Rules and Tariffs and is executed upon the Borrower’s signing the Loan Application and the Bank acceptance the Application by granting the Loan to the Borrower (applicable to Loan Agreements concluded before 01.07.2014).

The Loan Agreement consists of the General Terms and the Individual Terms (applicable for Loan agreements signed after 01.07.2014) and is concluded by

by signing the Individual Terms by the Borrower and the Bank (applicable during the period from 01.07.2014 until 12.05.2020);

by the Bank’s adoption (acceptance) of the Borrower’s offer on the conclusion of the Loan agreement on the conditions which are contained in the Individual Terms signed by the Borrower. At that, actions of the Bank for the transfer of the Loan amount to the Borrower’s Account shall be considered the acceptance of the Borrower’s offer (applicable after 13.05.2020)9;

in cases established by the Bank - by means of the Raiffeisen-Online System. In this case the Package of Documents for a Loan (including

the Individual Terms), an application for participation in the insurance program (when applicable)8 shall be signed by the Borrower with a Simple Electronic Signature with use of the Simple Electronic Signature Key. For Loan agreements signed until 12.05.2020 (inclusively), the Individual Terms shall be signed by the Bank with the Electronic Signature of the Bank. After the specified date, the Bank’s signature shall not be affixed to the Individual Terms9.

3) for the purpose of Clause 9 «Procedure for settlement of loans for the procurement of a Vehicle» a Consumer Loan Agreement under which the Bank undertakes to provide a Loan to the Borrower, to open an Account (if required), and the Borrower undertakes to utilize the Loan for the Loan Objective and repay the Loan within the established timelines.

A Loan Agreement consists of a Loan Application, General Terms, Card Rules and Tariffs and is executed upon the Borrower’s signing a Loan Application and the Bank’s acceptance of the Application by providing a Loan to the Borrower (applicable to Loan Agreements concluded before 01.07.2014).

The Loan Agreement is concluded by signature of the Individual Terms by the Borrower and the Bank. The General Terms of the Loan Agreement are specified in the General Terms, Card Rules, Tariffs. The Individual Terms of the Loan Agreement are specified in the Individual Terms (applicable to Loan Agreements concluded after 01.07.2014).

for the purposes of all other Sections of the General Terms and Conditions, all or any of the loan agreements specified above in this paragraph.

1.80. Credit Card means a plastic card issued by the Bank being after the date of its Activation becomes an instrument (electronic instrument of payment) to carry out transactions by its holder, the payments for which shall be made within the Available Balance.

1.81. Credit Limit means a limit within which a loan may be extended to the Borrower. The Credit Limit shall be set by the Bank on the basis of the Borrower’s Credit Card Application/Individual Terms with regard to the Bank’s evaluation of the Borrower’s creditworthiness. The Credit Limit shall be provided for consumer purposes not related with entrepreneurship including for the payment for goods (services), withdrawal of cash, and payment of the Bank’s fees contemplated by the Tariffs for the Credit Card, Instant Transfers of funds from the Credit Card to the Card, and as well as payment for participation in the insurance program of the Bank (if applicable).

If used for Loan Agreements concluded before 01.07.2014 the Credit Limit may be changed (increased, decreased, or cancelled) at the Bank’s sole discretion. The Borrower shall be notified of the results of consideration of his/her Credit Card Application and the approved Credit Limit by telephone or by sending a message at his/her e-mail address or by an SMS in accordance with the contact details provided by the Borrower; relevant notices of any changes in the Credit Limit shall be given to the Borrower by mail, or by sending a message at his/her e-mail address or by an SMS. Any use by the Borrower/ another Card Holder of the Credit Card in the event of change of the Credit Limit shall be regarded by the Bank and the Borrower as the Borrower’s agreement with the change in the Credit Limit. In case the Borrower does not agree to the increase of the Credit Limit by the Bank the Borrower is entitled to inform the Bank of such disagreement turning to any Bank Subdivision (including by a call to the Bank’s Call Centre, by sending a message through the System) upon which the Credit Limit will be set in the previous amount.

For Loan Agreements concluded after 01.07.2014 the procedure of the Credit Limit change is specified by provisions of the Individual Terms.

1.82. The Card Limit means a limited amount of funds available to the Card Holder within a certain period of time for conducting all types of Card Transactions. The amount of the Card Limit includes the amount of the Cash Withdrawal Limit.

1.83. Cash Withdrawal Limit means the maximum amount of funds available to the Card holder, who wishes to receive cash money, during a certain period of time and/or by making of any other Transfers between credit cards by the Card Holder (Instant Transfers of funds between the Cards and Transfers to cards of any other banks), provided that the Transfers to cards of any other banks shall be effected within the additional limitations under the Tariffs of the Bank and beneficiary bank.

1.84. Grace Transaction means a transaction effected within the Reporting Period:

non-cash payment for goods and services,

payment for insurance program participation,

yearly or monthly commission for Credit Card settlements,

payment of fee for processing of Credit Card Transactions connected to the Loyalty Programme,

payment of fee for depositing cash by issuing a cash receipt note, or by using electronic POS terminal at the cash desks of the Bank Subdivisions

payment of fee for courier delivery of the Credit Card or documents,

commission payment for the Service “Transaction Notification”,

Extended Statement commission payment to the Bank.

Grace Transactions do not include Quasi cash transactions, transactions related to Transfers between Bank Cards, cash withdrawal

9 Not applicable to situations when the loan application was submitted to the Bank before 13.05.2020, and the conclusion of the loan agreement is carried out

after 05/13/2020. In this case, the Loan Agreement is considered concluded in the order effective until 12.05.2020.


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transactions, fees charged for such transactions, transfers and withdrawals, as well as Credit Card Transactions made from the first day of the Reporting period in which the Minimum Payment and (or) Alternative Payment was not paid up to the last day of the Reporting period in which the unpaid Minimum Payment(s) or Alternative Payment (s) was(were) paid.

1.85. Grace Period means a period of time starting from the date of extension of the Loan in the Reporting Period till the last day of the relevant Payment Period (inclusively).

No Grace Period shall be granted in respect of Transfers between bank cards, cash withdrawal transactions, Quasi-cash transactions and the commissions related thereto.

1.86. M(F)C is a maternity (family) capital, the funds of the federal and/or regional budget afforded by the Pension Fund of the Russian Federation and/or local authorities to the Borrower as the administrator of the M(F)C (part thereof) as required by applicable law. The M(F)C funds received from the Pension Fund of the Russian Federation (i.e. from the federal budget) and/or local authorities (i.e. from a regional budget) are used by the Bank to fully or partially prepay the debt under the Loan Agreement.

1.87. Maximum Deposit Amount means the amount of money defined by the Tariffs applicable as of the Deposit Agreement date/prolongation date.

1.88. Minimum Deposit Amount means the amount of money defined by the Tariffs applicable as of the Deposit Agreement date/prolongation date.

1.89. Minimum Repayment Amount means a mandatory payment towards repayment of the Indebtedness as of the date of Statement in the amount specified in cl. 7.7.3 of the General Terms.

1.90. Raiffeisenbank Mobile Application means a mobile application for Mobile Device giving the Client possibility of an access to the System from the Mobile Device. For installation of Raiffeisenbank Mobile Application to the Mobile Device the Client shall individually take any steps required for copying of the above-mentioned application from Internet sites itunes.apple.com or play.google.com.

1.91. Mobile Device

for the purpose of Clause 6 “Servicing Card Accounts means an electronic device (tablet, mobile phone, etc.) owned by the Card Holder, running on the Android or iOS operating system and supporting the Digital Payment Service which can be used to carry out Contactless Transactions with the Digital Card;

for purposes of Clause 10 «System Terms of Service» means an electronic device owned by the Client (tablet computer, smartphone, mobile phone, etc.) working on the basis of iOS or Android operating systems and giving access to the System with the help of Raiffeisenbank Mobile Application.

1.92. Unauthorized overdraft - carrying out Account Transactions or Card Transactions on the amount exceeding Available Balance that resulted in formation of the Client’s indebtedness to the Bank that he shall repay on the day of its occurrence. For example, Unauthorized overdraft may occur as a result of exchange rate difference, carrying out Non-authorization transactions, paying certain fees.

1.93. Minimum Balance means the amount of money determined by the Deposit Agreement below which it is impossible to perform partial Deposit withdrawal without terminating the Deposit Agreement.

1.94. Mobile Telephone Number for One-time Passwords is a mobile telephone number registered with the Bank for the purpose of receiving the One-time Passwords.

1.95. Wearable Device is a wearable device (watch, wristlet, ring and so on) belonging to the Card Holder, operating on iOS or Android OS and supporting Digital Payment Service (Apple Pay and Garmin Pay accordingly), which allows Contactless Transactions with the Digital Card to be made.

1.96. Zero Payment is a service of the Bank in establishing the Minimum payment in the amount of 00 rubles 00 kopecks for a period of time determined by the Bank.

1.97. Total Loan Indebtedness means the indebtedness consisting of:

Indebtedness as of the date of the Statement of Credit Card,

principal debt arising after the Reporting Period,

interest accrued for the use of loan facilities (if applicable),

penalty for failure to perform or improper performance of obligations to repay the debt (if applicable),

Alternative Debt (if applicable).

1.98. One-Time Confirmation Code (One-Time Code) means a unique sequence of characters (one-time code) sent by the Bank to the Client in the form of SMS message to the Contact mobile phone number. The One-Time Code is a part of the Simple Electronic Signature Key in the cases specified in clause 1.66.2 of the General Terms and Conditions.

1.99. One-time password means a unique sequence of digits (confirmation code), which is a simple electronic signature in accordance with the Federal law of 06.04.2011 № 63-FZ "On electronic signature", with the exception of the cases indicated below, sent by the Bank or other entity (in cases required by the General Terms and Conditions) as SMS –message at the Mobile Telephone number for One-time passwords, or as a Push message to the Client’s Mobile Device registered with the Bank for receipt by the Client of the One-time password. The One-time Password uniquely identifies a person signing an Electronic Document that confirms the fact of formation of a One-time password by a specific person and is used in accordance with the General Terms.

One-time password is part of the Simple Electronic Signature Key in the cases specified in clauses 1.66 and clauses 1.67 of the General Terms.

1.100. Transaction Day means a period of time, determined by the Bank, during which the Bank shall carry out bank and other transactions (transaction time), recorded as of the calendar date of the respective Transaction Day. The date of acceptance of an Order, submitted to the Bank after the end of the transaction time, shall be the next Transaction Day. The length of the Transaction Day shall be set by the Bank depending on the type of transactions, the channel through which the relevant Order is to be received by the Bank, and the time zone where the Bank’s Subdivision, in which an Account has been opened for the Client, is located. The Bank informs the Clients about the duration of the Transaction Day for the purposes of execution of Orders, as well as conversion operations on the Bank's Website and in the Bank Subdivisions. The Bank shall inform its Clients of any changes in the length of its Transaction Day in any manner stated in clause 2.14 of the General Terms.

1.101. Operation without the consent of the Client (OWCC) is an operation corresponding to the characteristics of the transfer of funds from the Account (Transaction on the Account, Card Transaction, Transfer between bank cards) without the Client's consent (Signs of OWCC), identified by the Bank independently or at the request of the Client.

1.102. Bank-Card/Credit-Card/Card Transaction means any transaction, resulting from the use of the Card or its number, to pay, book or

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order goods or services, to withdraw cash, or to carry out Transfers between bank cards.

1.103. Account Transaction means any transaction on the Account, including any operations of direct debiting of fees and penalties in accordance with the Bank’s Tariffs.

1.104. Main Card (Main Bank Card, Main Credit Card) means the first Card issued to the Account in the name of the Client (the Account holder).

1.105. Grounds for detaching a Payroll Client are occurrence of any of the following events::

termination of employment relations between a Payroll Client and their employer, or

termination of the Agreement between the Bank and the Employer, or

failure of the Bank to receive a response from the employer of the Payroll Client to confirm the employment of the Payroll Client by such employer, within 14 calendar days after the relevant request, or

no salary (other payments stipulated by the Agreement) transfers from the employer to the Payroll Client Account for more than Nine (9) months.

1.106. Disconnection of the Service Package – when such notions as the Service Package disconnection or termination of the agreement on providing the Service Package are mentioned jointly.

1.107. Reporting Period

means a period of time from the date of debiting the first Credit Card Transaction on the Account to the Credit Card Statement Date inclusive;

means a period of time from the day following the Credit Card Statement Date of the previous calendar month to the Date of the Credit Card Statement of the current calendar month inclusive.

1.108. Package of Documents for the Loan means the Questionnaire, the Client's consent to the processing of personal data, the Client’s consent to receive his credit report from the credit bureau, the Individual terms in the form of Electronic documents signed by the Client in electronic form in the System at the conclusion of the Loan Agreement in the manner prescribed by the cl.1.79 of the General Terms.

1.109. Electronic Documents Package - Electronic document (s) transmitted through the System along with a statement containing the Hash code (s) of this Electronic document (s).

1.110. Service Package means a set of bank products and services the list thereof is specified by the Tariffs on the Service Packages granted to a Client in accordance with Clause 15 here of Service Package, the Client willingly choosing an option of receipt of bank products and services included into the certain Service Package.

1.111. Credit Limit Overlimit means the amount of excess of the set Credit Limit.

1.112. Transfers between bank cards – transfers of non-cash resources:

between Cards issued for different Accounts of one Client and from one Client’s card to a card issued to another Client of the Bank (hereinafter “the Instant Transfers between Cards”). Such transfers shall be effected under Cards through the Banks’ ATMs, through the System (is provided according to the technical abilities);

from one Client’s card to a bank card issued to the Client or to any other person by another Russian credit institution within one Payment System or between different Payment Systems (hereinafter “the Transfers to Cards of other Banks”). Such transfers shall be effected under Cards through the Banks’ ATMs having technical ability of effecting the Transfers to Cards of other Banks, through the System and, according to the extent of technical realization.

1.113. Signs of OWCC – signs of the transfer of funds from the Account (Operation on the Account, Card Transaction, Transfer between bank cards) without the Client's consent, established by the Bank of Russia and posted on its official website on the Internet (www.cbr.ru) indicating OWCC.

1.114. PIC (Personal Identification Code) means a unique code assigned by the Bank to the Client and used for identification of the Client in Raiffeisen Teleinfo System. PIC consists of 6 digits.

1.115. PIN (Personal Identification Number) means a code assigned to the Card by the Bank and used for the identification of the Card Holder. PIN is issued to the Card Holder in a sealed envelope at the Card Delivering Subdivision, or handed over to the Card Holder by an authorised representative of the Bank at the time of delivery of the Card10 to the Card Holder or may also be produced by the Card Holder individually on the Bank's Website (in this case, the application for the creation of the PIN code is signed with a key of a simple electronic signature in accordance with paragraph 1.66.2 of the General Terms), in Raiffeisen Teleinfo System (for individual types of Cards), in the Raiffeisen-Online System, in the Raiffeisenbank Mobile Application or through a PIN-pad of the Bank installed in the Bank Subdivision. Any PIN production procedure guarantees that PIN can only be known to the Card Holder. The Card Holder may change his/her PIN in the Bank’s ATMs which do have such function, on the Bank's Website, in the Raiffeisen-Online System, in the Raiffeisenbank Mobile Application and with PIN-pads of the Bank installed in the Bank Subdivisions. When producing / changing PIN the Client may not use a PIN consisting of four identical digits (e.g., 0000 or 1111) or four consecutive digits (e.g., 1234 or 3456). The usage of the Card and PIN assigned therefore is deemed as being equal to the Card Holder’s own personal signature.

1.116. PIN-pad is a technical device of the Bank used by the Card Holder for generating of Card PIN-code independently.

1.117. Payment System means any of the payment systems: Visa International, MasterCard International and “Mir”.

1.118. Payment Period means a period of time set for the payment of the Minimum Repayment Amount. The Payment Period shall be 21 (twenty-one) calendar days from the Credit Card Statement Date. In the event that the last day of the Reporting Period falls on a day-off or non-Business Day, the payment shall be made on the next Business Day. An exception applies when the non-Business day is fixed for the Credit Card settlements with the Payment System. (The Bank informs the Borrower on the last day of Payment Period via email and/ or through the System).

1.119. Used vehicle - a motor vehicle - a Collateral, registered with the State Traffic Safety Inspectorate under the Ministry of Internal Affairs of the Russian Federation (hereinafter - the Russian Traffic Police) at the time of the Loan Agreement signing. However Used Vehicles hereunder do not include motor vehicles registered with the Russian Traffic Police to the Seller’s name, with less than 7000 km mileage at the time of the Loan Agreement signing.

1.120. Bank Subdivision means a separate or an internal unit of the Bank (branch, subsidiary office, lending and cash services office, operating office, out-of-the-office cash counter, etc.), which provides services to the Clients.

10 Delivery to the Client is a limited access service and the possibility of providing it must be clarified in the Bank's Subdivisions.



1.121. Card Delivering Subdivision:

a) Bank Subdivision where a Card shall be delivered as specified by the Client/the Borrower in the Application for a Credit Card / Individual Terms / Agreement / Card Reissue, as well as the Client’s / the Borrower’s contacting a Service Centre with a request to re-issue a Card, as specified in Cl.12.1.17 and 12.1.34 of these General Terms and Conditions. The Client / the Borrower can change the Card Delivering Subdivision by submitting a respective application to a Bank Subdivision or contacting the Bank’s Information Centre;

b) applicable for Supplementary Credit Card and Bank Cards Bank Subdivision where a Card shall be delivered after the automatic re-issue on the initiative of the Bank, as specified by the Client / the Borrower:

with initial Card issue (if the Card is reissued for the first time);

with the last Card reissue upon the Client’s / the Borrower’s initiative;

when last time applying to the Bank with a request to change the Card Delivering Subdivision.

1.122. Positive Balance of Account means funds on the Card Account exceeding the set Credit Limit.

1.123. Beneficiary is a Beneficiary of funds under the Letter of Credit specified by the Client in the Letter of Credit Opening Application. The following persons can be specified as the Beneficiary:

- the person who is the seller of real property or his authorized representative - if such real estate is acquired at the Client’s expense;

- a person rendering services to the Client for the acquisition by the Client of real estate, or his authorized representative - if these services are paid for at the expense of the Client's own funds;

- the person who is the seller of real property or his authorized representative, or any other person – if such real estate is acquired at the expense of credit funds provided by the Bank.

1.124. Guarantor - an individual signing Surety Agreement with the Bank so as to ensure the Borrower’s proper fulfilment of its obligations under the Loan Agreement and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized.

1.125. Standing Order (Autopayment) means the Bank’s service for the execution of the Client’s instruction to the Bank to make regular money transfers from the Account (including for purposes of conversion), as well as the relevant order in accordance with a standard form, which is filed with the Bank. A Standing Order may provide for a single-time execution in case the circumstances pre-set by a Standing Order occur. The Bank shall execute standing instructions in accordance with the terms and conditions, as determined by the Client, with regularity convenient for the Client, in an agreed amount or in the amount of an agreed percentage of the Available Balance or an agreed percentage of the amount received on the Account.

1.126. Consumer Loan

for the purpose of Clause 8 “Procedure of Extension and Repayment of Consumer Loans”) means an unsecured non-purpose or purpose loan extended to individuals to meet their consumer needs.

for the purpose of Clause 9“Procedure for settlement of loans for the procurement of a Vehicle” – a targeted loan provided to individuals, secured with a Collateral.

1.127. Card Use Regulations mean “Regulations for the use of the Bank Cards of AO “Raiffeisenbank” (Bank Card Use Regulations) and Regulations for the use of the Credit Cards of AO “Raiffeisenbank” (Credit Card Use Regulations) as jointly mentioned11.

1.128. Collateral – a vehicle or other Pledger’s property pledged so as to ensure the Borrower’s proper fulfilment of its obligations under the Loan Agreement and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized. (The provisions of the General Terms and Conditions, the Loan Application, Individual Terms and Offer Application covering the Collateral also apply to the Pledger’s other property pledged to the Bank, to the extent applicable).

1.129. Digital Payment Service Provider - means the legal entity providing Digital Payment Service and manufacturing Mobile Devices/ Wearable Devices with support for Digital Payment Service.

1.130. The Loyalty Programme stands for a set of measures aimed at developing mutually beneficial cooperation between the Card Holder Clients and the Bank. Participation in the Loyalty Programme provides the Client with an opportunity to receive various privi leges from the Bank and/or third parties.

1.131. Seller –- a legal entity or an entrepreneur specified in the Loan Application / Individual Terms as the Seller, from which the Pledger procures the Collateral, in part or fully paying for it with the Loan.

1.132. Interest Period - the time period (interval) for which the interest accrued on the Loan is paid12. The period of time from the date following the date of the previous until the date of the Monthly Payment in the current month inclusive, with the exception of the First Interest Period and the Last Interest Period.

1.133. First Interest Period – a period from the day following the Loan Provision Date until the first Monthly Payment date inclusive starting from the Loan Provision Date.

1.134. Last Interest Period means a period of time from the Monthly Payment date, immediately preceding the Loan Term / Loan Repayment Term, until the end of the Loan Term / Loan Repayment Term.

1.135. Business Day means:

for the purposes of Loan repayment, payment of Monthly Payments – it is the day from Monday through Saturday, inclusive,

for the purposes of suspension of the execution of the OWCC and suspension of the transfer of funds to the Account upon receipt of the Notice of Suspension, this is the day from Monday to Friday inclusive,

for the purposes of execution of the Statement of Obligation – it is the day from Monday through Friday, inclusive. Where the Bank Branch has a technical ability, the Statement of Obligation may be executed on Saturday,

for the purposes of termination of service under the Bank card in the next year on the Client's initiative, this is the day from Monday to Saturday inclusive,

for the purposes of carrying out cash transactions, as well as providing other services to the Client that are subject to control and coordination by the Bank (including for the purposes of fulfillment of clause 2.16 of the General Terms) is a day from Monday to Friday

11 This document establishes regulations for use of Bank Cards and Credit Cards and represents a new version of «Regulations for Use of AO Raiffeisenbank Cards» and «Regulations for Use of Credit Cards». 12 And the percentage of the previous Interest Periods - in the cases provided for by Cl.8.2.4.7 of the General Terms.



inclusive,

for any other purposes – a day, when a Subdivision of the Bank services the Clients in accordance with its schedule of work, except for lawful off days and holidays, as well as off days shifted on business days in accordance with the decision of the Government of the Russian Federation. The Parties hereby confirm that they mutually agreed the possibility to change by the Bank of the notion of a “business day”, mentioned above. The Bank shall notify the Clients regarding the change in the notion of a “business day” in any manner specified in cl. 2.14 of the General Terms. However such changes do not require the Parties’ signing any Amendments to the Agreement, Loan Agreement, Pledge Agreement or Surety Agreement.

1.136. Extended Statement of Credit Card means a document containing extra explanations from the Bank / a detailed description of Transactions on Account to which the Credit Card is issued, interest calculation procedure, Minimum Repayment Amount and Alternative payment (if applicable) formation and debt repayment scheme.

1.137. Order means an order of the Client or of his authorized person (the Authorized Representative, the Child) for transfer of funds (to withdraw funds from the Account and transfer of funds to the account of the beneficiary) prepared in accordance with a pre-established form and payment details, being necessary and sufficient, either in a hard copy or, to the extent required by rules, as an Electronic Document (an electronic order) accepted by the Bank. In instances determined by the General Terms, the Order shall also be understood to mean a document prepared by the Bank in its own name.

1.138. The Child means:

a minor under the age of 6 to 18 years, the legal representative of which is the Client whose account a Supplementary Bank Card in the name of the Child is issued to;

a minor under the age of 16 to 18 years, the legal representative of which is the Client whose account a Supplementary Bank Card in the name of the Child is issued to13.

1.139. Bank's Website is the official website of the Bank on the Internet (www.raiffeisen.ru).

1.140. Raiffeisen Teleinfo System means a remote Bank system through which the Client can receive a number of services by telephone in accordance with Clause 13 of these General Terms.

1.141. Raiffeisen-Online System (Raiffeisen-Online) means the systems for the processing and transmission of Electronic Documents and/or any other electronic data, including hardware, software and organisational arrangements for purposes of providing the Client with banking services as well as bringing other information.

The Client shall receive information access to his individual entrepreneur accounts when connecting to the Raiffeisen Online System provided that the Client is also served with the Bank as an individual entrepreneur.

1.142. Faster payments service14 – transfers via the Bank of Russia’s payment system "Faster Payments System" using fast payments service, as well as a service provided by the Bank to the Client that allows:

- to transfer funds in real time from the Account to the funds beneficiary's (an individual/ a legal entity / an individual entrepreneur) account opened with another credit institution;

- to receive money transfers in real time to the Account.

1.143. Transfer Service means a service provided by the Bank to the Client in the System and allowing the transfer of funds from a payment (bank) card issued by another credit institution to the Card issued in the name of the Client.

1.144. Transfer Service on the Bank’s Website is a service provided by the Bank to any individual under the Transfer Agreement on the Bank’s Website and allows him/her to transfer funds from any payment (bank) card to any other payment (bank) card, including from the Card and to the Card.

1.145. Bank employee means the Bank’s employee as well an employee of other company included into the list that is specified by the Bank.

1.146. Agreement means the agreement made between the Bank and the Client’s employer as per crediting of the salary (other payments contemplated by the Agreement) to the Client’s account.

1.147. Agreement on a Service Package means an agreement for provision of a Service Package concluded between the Client and the Bank.

1.148. Loan Term means a period of time for the Loan disbursement, as set forth by the Loan Agreement (applicable to Loan Agreements concluded before 01.07.2014).

1.149. Agreement on transfer on the Bank's Website - Agreement on the provision of services by AO "Raiffeisenbank" to transfer funds from card to card on the Bank's Website, the text of which is posted on the Bank's Website and which is entered into by the Bank with any individual who wants to use the Transfer Service on the Bank’s Website.

1.150. Loan Repayment Term

(as used in Clause 8 “Procedure of Extension and Repayment of Consumer Loans”) means a period of time within which the Loan should be repaid by the Borrower to the Bank as set forth in Individual Terms or is a certain date set in Individual Terms whereby the Loan should be repaid by the Borrower to the Bank prior to this date (applicable to Loan Agreements concluded after 01.07.2014)..

(as used in Clause 9 “Procedure for settlement of loans for the procurement of a Vehicle»”) means a period of time within which the Loan should be repaid by the Borrower to the Bank as set in Individual Terms (applicable to Loan Agreements concluded after 01.07.2014).

1.151. Loan Account means an account opened by the Bank to account for the indebtedness under a Credit Card and Consumer Loan extension and repayment transactions.

1.152. Insurer Borrower or Pledger signing an Insurance Agreement for the Collateral.

1.153. Account means any account opened by the Client/the Borrower with the Bank: a current account (by means of issue of Bankcard, or without such issue), including Bank account15, or a fixed-term Deposit account. The Account shall be used to carry out cash and non-cash transactions in compliance with the applicable laws of the Russian Federation. The Account may not be used to perform transactions related to entrepreneurial activities. Funds that are professional income of individuals who are not individual entrepreneurs and apply the special tax

13 Issue of the Supplementary Credit Card in the name of the Child is carried out as far as the technical implementation. 14 The provision of the Fast Payment Service is carried out according to technical implementation. 15 Bank account – current account opened in the Bank by which previously debit transactions were carried out only using the Bank card or its number. Currently these restrictions do not apply the expenditure operations on the account are carried out in a general manner.



regime “Professional income tax” may be credited to the Account.

In relation to the banking services defined herein below, the Account means:

as used in Clause 7 “Procedure of Extension and Repayment of Loans under Credit-Card Transactions”: an Account with opened Credit Limit, which is used to account for the transactions under the Credit Card. The Client/the Borrower shall have the right to carry out:

transactions within the Available Balance with the use the Credit Card and PIN code or the number thereof;

money transfers within the Positive Balance of his/her Card Account.

as used in Clause 8 “Procedure of Extension and Repayment of Consumer Loans”: an Account opened with the Bank in the currency of the Loan, on which the Bank places the amount of the Loan and which is used for repayment of the principal amount, payment of interest and other charges of the Bank. On the basis of the Client’s /the Borrower’s application, provided to the Bank Subdivision, and consent of the Bank the Account may be changed for any other bank account opened with the Bank. In this case all provisions of the Loan Agreement related to the Account will be applied to the said Account. The Borrower has the right to apply to the Information Center of the Bank in accordance with the rules of Section 12 of the General Terms with a view to changing the Account to another bank account with the obligatory sending of a scanned copy of the statement on changing the Account to the e-mail address specified by the Bank no later than the day following the day of the request to the Call Centre of the Bank. Scan-copy of this application is the equivalent of a statement on paper, signed by the Client. The Bank does not execute an application for changing the Account until the scanned copy of the application is received.

for the purpose of Clause 9 «Procedure for settlement of loans for the procurement of a Vehicle» as the Borrower’s current account in the Bank in the currency of the Loan specified in the Loan Application/Individual Terms, to which the Bank shall credit the amount of the Loan. The Loan Principal, Interest and other payments to the Bank is paid from the Account. Based on the Borrower's application and with the consent of the Bank, the Account can be changed to any other bank account opened in the Bank. In this case, all provisions of a Loan Agreement related to the Account will apply to the specified account.

1.154. Current Account - a current account in roubles opened with the Bank in the Borrower’s name in the event of the Loan being issued in foreign currency, specified in the Loan Application/Individual Terms.

1.155. Vehicle - a motor vehicle, self-propelled vehicle or boat, the individual features of which are listed in the Loan Application/Individual Terns, purchased by the Pledger with a partial or full settlement by the Loan.

1.156. Tariffs mean documents setting forth the fees charged by the Bank to the Clients, applicable interest rates, penalties (interests, fines), and other information.

Special Tariffs (e.g., tariffs applicable to specific transactions/specific categories of Clients/set for separate Subdivisions of the Bank) shall prevail over the generally applicable (standard) Tariffs. Tariffs for Private Banking Clients (Private Banking Service) have a priority over the general (Standard) Tariffs, Payroll Clients’ Tariffs and Tariffs of other Client groups. Irrespective of the date of execution of the Agreement between the Bank and the Client, the Tariffs and terms and conditions effective as of the date of the relevant transaction shall be applied, unless otherwise stated in the General Terms, Agreement, Bank Card Use Regulations or Credit Card Use Regulations. The Tariffs shall be an integral part of the Agreements. In respect of Deposits, the Bank may not unilaterally reduce the term of the Agreement or interest rate and increase or set fees for carrying out transactions, save for the instances established by the federal law.

1.157. Tariffs for Payroll Clients are Tariffs on Bank cards and Accounts for Payroll Clients and Individual Payroll Clients. For Payroll Clients these Tariffs are set forth in Agreements concluded with such Clients as with people employed by an Employer that concluded an Agreement with the Bank and attached to this Agreement for information purposes.

1.158. Notice of Suspension means notification of the suspension of the transfer of funds to the Customer's account of the beneficiary, prepared by the credit organization servicing the payer's legal entity, sent to the Bank in the form and in the manner prescribed by the regulatory act of the Bank of Russia.

1.159. Alternative Payment Service means the Bank’s service to provide the Borrowers with a special offer in accordance with clause 7.6.7 of the General Terms and Conditions for repayment of debts on certain Credit Card Transactions for several Reporting Periods at an interest rate different from that established in the Individual Terms and Conditions downwards.

1.160. Bank Terminals means automated teller machines, electronic terminals, including self-service terminals, POS-terminals and PIN-pads installed at the Bank’s sub-divisions, imprinters and other devices used for Card Transactions.

1.161. Hash code is an arbitrary sequence of letters and numbers, resulting from the conversion of an Electronic Document included in an Electronic Documents Package using the MD5 algorithm (hash function). Sending Electronic Documents Package from the Bank to the Client and vice versa is carried out using the hash function.

Hash codes are specified in the application that the Client signs in the System with the Key of a simple electronic signature with the Hash code. The Hash code corresponds to a specific Electronic Document16 and confirms the invariance of the Electronic Documents Package transmitted by the System from the Bank to the Client and vice versa. If necessary, the Client can verify the compliance of the Hash code and the Electronic Documents Package independently.

All documents included in the Electronic Documents Package are considered to be signed by the indicated Simple Electronic Signature Key with a Hash Code.

1.162. Loan Objective – an objective (objectives) of the funds provision to the Borrower set in the Loan Application/Individual Terms. The Loan shall be provided for payment of the Vehicle price or the Borrower’s debt repayment to another Bank. The Borrower may voluntarily and in his/her discretion choose additionally other purposes of the Loan.

1.163. Digital Card means Card, whose digital image is registered by the Card Holder in Digital Payment Service.

1.164. Digital Payment Service

- payment service Apple Pay enabling Contactless Transactions with the Digital Card. To install Apple Pay on the Mobile Device, the Card Holder needs to independently perform actions required to download the specified application from itunes.apple.com or it will be done automatically with an update of the Mobile Device software. The Card Holder shall install Apple Pay Digital Payment Service to the Wearable Device independently. For this purpose, the Card Holder shall synchronize the Wearable Device with a Mobile Device, wherein the Apple Pay Payment Service has already been installed, and add a Digital Card to the Wearable Device.

16 You can check the compliance of the electronic document included in the Electronic Documents Package with the Hash Code using the command line for Windows - certutil -hashfile MD5 (for example, certutil -hashfile c: \ Ivan \ passport.png MD5), for MacOS - md5 / , md5 /Users/Ivan/Documents/passport.png).

http://www.itunes.apple.com/



- electronic application Samsung Pay enabling Contactless Transactions with the Digital Card.To install the Samsung Pay on the Mobile Device, the Card Holder needs to perform the actions necessary to copy the specified application on his own from http://www.samsung.com/ru/apps/mobile/samsungpay/ website on the Internet or it will be done automatically with an update of the Mobile Device software;

- electronic application Google Pay, allowing you to make Contactless Transactions with a Digital Card. Installation of Google Pay on a Mobile device can be carried out independently by the Card Holder (the Card Holder executes the steps required to copy the specified application from the website https://www.android.com/intl/ru_ru/pay/ in the Internet) or automatically within the version upgrade software of the Mobile Device;

- Garmin Pay17 allowing Contactless Transactions with a Digital Card. Garmin Pay shall be installed to the Wearable Device by the Card Holder independently. For this purpose, Card Holder shall perform actions required to copy the specified application from website https://connect.garmin.com/ru-RU/ to the Mobile Device, thereafter synchronize the Wearable Device with the Mobile Device and add the Digital Card to the Wearable Device.

1.165. Electronic Signature of the Bank is a unique sequence of symbols, letters, numbers, signs, generated by the Bank automatically and are simple electronic signature in accordance with the Federal law of 06.04.2011 № 63-FZ "On electronic signature". Electronic Signature of the Bank is used in accordance with the General Terms contained in the Individual terms sent by the Bank to the Client on the System Raiffeisen Online, and allows identifying a person signing the Individual Conditions. The following rules determine the person who signed the Individual conditions with the Electronic Signature of the Bank: if Individual conditions are forwarded by the Bank to the Client via the System Raiffeisen Online and contain an Electronic Signature of the Bank, it is assumed that the Individual terms are signed by the Bank. Provisions of this item apply to the Individual Terms signed with the Electronic Signature of Bank in the Raiffeisen Online System in the order established by subclause 1-2 of clause 1.79 of the General Terms.

1.166. Electronic Document means the document received from the Client/ the Authorized Representative, the Child via the System, via the Bank's Website that contains data in electronic digital form as well as record of a telephone conversation between the Client and the Bank when contacting the Bank's Information Center, and that is:

Signed in the System with an Electronic Signature of the Bank - applies to the Individual Conditions to be signed at the conclusion of the Credit Agreement in the manner prescribed by clause subclause 1-2 of clause 1.79 of the General Terms;

signed in the System with One-time password of the Client/another Card Holder – applies to all Electronic Documents, except for the following;

signed in the System by the Client with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.1 of the General Terms - applicable in the cases provided for in subclause 1-2 of clause 1.79 of the General Terms or provided for by other agreements concluded between the Client and the Bank;

signed in the System by the Client with a simple electronic signature using the Simple Electronic Signature Key with a Hash Code - applicable in the cases provided for in subclause 1-2 of clause 1.79, clauses 2.10.2, 2.10.3, 3.27, 4.6.2, 4.17, 4.19,10.1.8 of the General Conditions as well as other agreements concluded between the Bank and the Client, of which the General Conditions are a part;

confirmed by the facts of the Client’s/another Card Holder’s identification and giving access to the System (with login, password or other identifiers mentioned in Sec. 10.2 of the General Terms allowing to confirm that the Electronic document is prepared by the Client) - applicable to applications for blocking of the Card, for connecting the Service «Transaction Notification», for rejection / acceptance of the special offer of the Bank placed in the section "Offers for You", for changing the term of the Standing Order, to the Orders for the transfer of funds in Russian rubles between the Accounts of one Client (including for the purpose of replenishing the Deposits), to Instant transfers between the Cards of one Client in Russian rubles, to Orders for the payment of a mobile phone (only when replenishing Contact mobile telephone number of the Client), as well as to Orders for payment for services (except for replenishment of Internet purses / electronic purses) 18;

confirmed by a Code word or other means in the order established by Section 12 of the General Terms, allowing to confirm that the Electronic document is prepared by the Client;

signed on the Bank's Website with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.2 of the General Terms and Conditions.

1.167. Cash-in ATM means the Bank’s ATM with a banknote identification function through which the Client may credit cash to his/her Card Account/Bank Account with the use of the Card without any envelopes.

1.168. Google - a corporation Google Inc., which provides Google Pay on mobile devices running the operating system Android.

1.169. Push Notification means a notification transmitted from the Bank’s server via a secure channel on the Internet

- to the Raiffeisenbank Mobile Application (on a Mobile device registered with the Bank for the purpose of receiving a One-Time Password by the Client) for submission of the One-time password;

- to the Contact Mobile Device for information purposes, within the framework of provision of the Service «Transaction Notification», in order to notify the Client of the need to provide the Bank with documents and (or) information for the Bank to update information about the Client, Trustee, beneficiaries and beneficial owners of the Client, including documents and (or) information for establishing tax residence of the Client, its beneficiary, including information on the foreign taxpayer identification number, in accordance with the legislation on the implementation of international automatic exchange of financial information.

If, at the time of sending a Push-notification, the Mobile Device registered with the Bank for the purpose of receiving the One-Time Password by the Client, the Contact Mobile Device is not connected to the Internet, the Bank will send a backup SMS message to the Client. The backup SMS messages will be delivered within the standard terms established by the mobile phone operator.

1.170. QR code means a two-dimensional barcode by scanning which in the Raiffeisenbank Mobile Application the Client receives information about the details of the recipient of funds - a legal entity or an individual entrepreneur. QR code can be provided by a legal entity or an individual entrepreneur to the Client both at the cash desk of a trade and service enterprise, or in another way, including by posting it on the official website of such a legal entity or an individual entrepreneur.

1.171. SMS-message means an electronic message sent to the Client/Authorised Representative/the Child mobile phone. The Bank may send SMS-messages for provision of Service «Transaction Notification», as well as for provision of the Activation Code, One-Time Password, One-

17 The service is provided as far as the technical implementation. 18 Applcable to the Raiffeisenbank Mobile Application as it is technically implemented.



time Code or for information purposes.

1.172. Service «Transaction Notification», Service 19 means the service consisting in transmitting of information about making transactions using Cards and the System in the form of electronic SMS-messages20 by the Bank to the Client’s/ Authorised Representative’s/the Child’s mobile telephone registered with the Bank for providing the Service «Transaction Notification» or in the form of Push Notifications to the Contact Mobile Device.

2. General Provisions

2.1. These General Terms are applicable to the Accounts and special accounts, save for any bank accounts and deposits opened to individuals acting as individual entrepreneurs, as well as to the Credit Cards and Consumer Loans and other Bank services if, under the agreements for the provision of the aforementioned services, the relevant service is rendered by the Bank in accordance with the General Terms and / or the General Terms are an integral part of the said agreements. Certain provisions of the General Terms may apply to the services provided by the Bank, acting on behalf of third parties on the basis of agreements concluded with them.

These General Terms are also a new version of the General Terms of Servicing Current Accounts of Individuals of OAO “Impexbank”, wh ich constitute an integral part of agreements for current account service allowing the use of a credit card and entered into with individuals by OAO “Impexbank” (the Bank being its legal successor following reorganisation). These General Terms shall apply to all of the Subdivisions of the Bank. The range of the services as well as the terms and conditions of their provision by the Bank’s Subdivisions may vary.

2.2. The place of the Agreement’s performance shall be the location of the Bank or the Bank’s branch (operating office) that is carrying out maintenance of the Agreement.

2.3. Opening and servicing current accounts, opening and servicing current accounts allowing to use the Bank Cards, placement of Deposits shall be performed by the Bank under the Current Account Opening, Deposit Agreement In the instances required by the Bank, the Client shall fill out an application in the Bank’s standard form (the Application).

2.4. The Bank shall accept from the Client applications and Orders justifying (confirming) and other documents only in the presence of the Client (the Authorized Representative) and upon presentation by the Client of an original personal identification document, unless cases explicitly stated in the General Terms or agreed with the Bank.

If the Client’s interests are represented by an Authorized Representative to perform operations specified by the Power of Attorney, it must present the original identity document specified in the Power of Attorney or the original of another identity document and the original Power of Attorney. Prior to the commencement of the service, an identity document submitted by the Client or the Authorized Representative must be transferred to the Bank’s employee for the purpose of checking it for authenticity and validity on external grounds using special devices . If the Client or the Trustee is a foreign citizen or a stateless person, for identification purposes, in addition to the documents specified above, the Bank accepts from the Client or the Trustee documents confirming the legality of the location of the Client or the Trustee who is a foreign citizen or stateless person, on the territory of the Russian Federation, migration card (unless otherwise established by the legislation of the Russian Federation).

2.5. If before the expiration of the period indicated below, upon acceptance for service (conclusion of the first Agreement), the Client presented the following as an identification document:

- up to July 15, 2020 inclusive - the document specified in the Presidential Decree of 18.04.2020 No. 275 (hereinafter - the Decree), or - until July 1, 2020 inclusive - a document with an expired date as of March 30, 2020 or later, other than that set by the Decree, the Client is obliged to submit a valid identity document to the Bank no later than September 30, 2020. In case of failure to provide a valid identification document, within the specified period, the Bank has the right to stop providing services under the Agreement unilaterally without sending any additional notifications, including blocking the Bank Card / the System, suspend / terminate / refuse to perform Account Transactions.

2.6. If the Client is a holder of the Service Packages “Premium”, “Premium 5”, “Premium Direct”, and in some cases given the consent of the Bank, the Client’s applications for the service/product of the Bank, as well as other instructions given by the Client to the Bank, may be also sent to the Bank’s email address in the form of a scanned copy of such application and/or instruction. A scanned copy of the Client’s application for the service/product of the Bank and/or other instruction shall be the equivalent to the application and/or instruction in hard copy signed by the Client in person.

2.7. In individual cases, the Client’s applications for the provision of a service / product of the Bank, as well as other orders submitted by the Client to the Bank, may also be accepted by an authorized Bank employee outside the Bank's Subdivision. This service is a restricted access service. The client can clarify the possibility of its submission and the list of applications / documents accepted by an employee of the Bank.

2.8. The Bank may refuse opening an Account (further Accounts), as well as carrying out any other bank transactions to the Client, where the Client (or the Authorized Representative) fails to provide the Bank with any required documents identifying the Client (or the Authorized Representative) or its powers to carry out relevant actions, including where Client’s (Authorized Representative’s) identification document is expired or due to the reasons provided for by Clause 2.16 of the General Terms and Conditions.

2.9. The Authorized Representation

2.9.1. If the Client’s interests in the Bank are represented by the Authorized Representative, the following rules shall apply:

2.9.1.1. In order for the Authorized Representative to perform transactions with the Bank under the Power of Attorney or to have the Power of Attorney issued to him/her in the Bank, the Authorized Representative shall have full legal capacity.

2.9.1.2. The Power of Attorney executed outside the Russian Federation shall be certified by a notary (other authorized person) of a foreign state or an official of a Russian consular institution in the state where the Power of Attorney is executed.

The Powers of Attorney certified by an official of the Russian consular institution require no additional certification. The Powers of Attorney certified by a notary (other authorized person) of a foreign state, as a general rule, require additional certification (recognition of legal effect in

19The new name of the service is used as technically available. Previous names of this service are «Raiffeisen Mobile SMS-Alerting», “SMS-Alerting”, “R-Control”, “SMS-Bank”. The change of the name of the service provided by the Bank does not affect the order and conditions of providing hereof being settled by the Agreement made with the Client and by the Bank Tariffs. 20 SMS-messages shall be transferred through mobile telephone communication (without application of additional privacy mechanisms).



the Russian Federation) by means of apostilling or consular legalization. The only exception shall be the Powers of Attorney executed in the territory of states with which the Russian Federation has concluded an international treaty that abolishes apostilling or consular legalization requirement.

2.9.1.3. The Power of Attorney executed outside the Russian Federation and fully or partially drawn up in a foreign language, as well as the text of an apostille (if applicable), shall be subject to translation into Russian with a certification of true translation by a notary of the Russian Federation.

2.9.1.4. The relations arising out of the Powers of Attorney issued in the Bank shall be regulated by the laws of the Russian Federation. When issuing the Powers of Attorney not in the Bank, the Bank recommends that the text of such Powers of Attorney contains indication that the relations arising out of the Power of Attorney are regulated by the laws of the Russian Federation.

2.9.1.5. The Bank reserves the right (but not the obligation) to take actions aimed at verifying the powers of the Authorized Representative according to the rules and procedures established by the Bank and suspend the execution of Instructions of the Authorized Representative for a reasonable period of time not exceeding seven business days.

2.9.1.6. The Bank has the right to deny the Authorized Representative to conduct transactions under the Power of Attorney presented if:

- as a result of the above verification, the powers of the Authorized Representative have not been confirmed or the Bank has doubts whether the Authorized Representative has necessary powers; - according to the laws of the Russian Federation, the relations arising out of the Power of Attorney executed outside the Bank are regulated by the laws of a foreign state; - the Power of Attorney does not meet the requirements of the laws or clause 1.33, sub-clauses. 2.9.1.1 - 2.9.1.3 of clause 2.9 of the General Terms.

2.9.1.7. In the event of the Client’s cancellation of a POA or the powers granted to the Authorised Representative – in the manner prescribed in Clause 2.9.1.9 and 2.9.1.10 of the General Terms, the Client shall immediately notify the Bank in writing by contacting a Bank Subdivision in person unless otherwise provided for by para. 2.9.1.8 of the General Terms. Publication of information on the cancellation of the POA issued by the Client in the official gazette, which announce information on bankruptcy, or making entries on cancelling the Power of Attorney given by the Client in the register of notarial acts of the Unified Information System of Notaries - does not relieve the Client of responsibility to notify the Bank of the cancellation of a POA in the manner prescribed by this clause. If the Client fails to notify the Bank of POA cancellation in the manner specified above, the Client shall indemnify the Bank for all losses incurred by the Bank in connection with such notification failure.

2.9.1.8. If the Client is the holder of the Service Packages "Premium", "Premium 5", "Premium Direct", the Client shall be entitled to apply to the Bank Information Centre to cancel the Power of Attorney issued by the Client with the Bank. In this case, issuance and confirmation of the application for cancelling the Power of Attorney shall be conducted in accordance with the rules specified in Section 13 of the General Terms.

2.9.1.9. The client is entitled to give the Authorised Representative in whose name the Supplementary Card is issued access to the Raiffeisen Online System, and the powers to perform operations on the Supplementary Card issued in the name of the Authorised Representative in the Raiffeisen-Online System, and for connection of Service "Transaction Notification" in the Raiffeisen Online System. To empower the Authorised Representative specified credentials the Client sends to the Bank via the Raiffeisen Online System the application, signed by One-time Password of the Client and being an offer (proposal) of the Client addressed to the Bank to conclude an authorization agreement. The Bank accepts the offer of the Client by assigning a statement status "Executed" in a history of operations in the Raiffeisen Online System.

The Client can cancel the above agreement in the Raiffeisen-Online System by submitting an appropriate application, or by contacting the Bank Subdivision.

2.9.1.10. The Client has the right to provide other Client of the Bank or the Authorised Representative registered in the Bank's systems with the authority to receive information and perform transactions on certain Accounts of the Client through the Raiffeisen-Online System21. In order to grant another Client of the Bank or the Authorised Representative, registered in the Bank's systems, with the above powers the Client shall send to the Bank, through the Raiffeisen-Online System, a corresponding application signed by the Client's One-Time Password, which is an offer to the Bank for the conclusion of an authorization agreement. The Bank accepts the Client's offer by giving the application in the Raiffeisen-Online System the status "Executed" in the transaction history.

The Client can terminate the above agreement in the Raiffeisen-Online System by submitting an appropriate application, or by contacting the

Bank's Division.

2.9.2. If personal data of the persons authorized in accordance with cl.2.9.1.9, 2.9.1.10 of the General Terms, the agreement concluded in the manner prescribed by the said points ceases to be effective. In order to re-entitle the above-mentioned persons with the necessary powers, the Client must, in the order specified above, conclude a new agreement on the granting of powers specifying the relevant personal data of these persons.

2.9.3. The Authorised Representative, the Child, when using the services and products of the Bank, is obliged to perform all the relevant duties and comply with all relevant rules provided for by the General Terms for the Client.

2.9.4. Unless expressly stated otherwise in the General Terms, the Authorised Representative, the Child, when using the services and products of the Bank within the limits of the authority / ability to dispose of the funds granted to him by the Client, is entitled to perform the same actions as the Client provided for in the General Terms.

2.9.5. All operations performed by the Authorised Representative, the Child, are recognized as transactions of the Client.

2.10. Client submission of documents / information

2.10.1. The Client shall present the Bank any information (hard copy data) necessary to the Bank to comply with the provisions of the RF legislation against legalization (laundering) of criminal profits and terrorism financing including the information on beneficiary parties and Beneficiary Owners , and personal identification documents, any other documents necessary to the Bank to comply with the provisions of the RF legislation as well as information necessary to comply with the requirements of the legislation of the Russian Federation on the specifics of conducting financial transactions with foreign citizens and legal entities, and legislation on the implementation of internat ional automatic exchange.

The non-presentation of the above information / documents by the Client may be the basis for consequences stated in the General Terms or legislation of the Russian Federation.

The Client shall provide the Bank with information (documented data) required to comply with the Russian legislative requirements concerning peculiarities of financial transactions with foreign citizens and legal persons and legislation concerning international automatic exchange of

21 The service is provided as far as the technical implementation.



information.

2.10.2. The Client shall notify the Bank of any changes in the Client’s registration address, actual residential address, postal delivery address, Delivery address, contact telephone numbers, contact telephone numbers, e-mail address, of any changes of place of employment (profession, position, business address), changes of name, details of ID document, details of document confirming the right of a foreign citizen/a stateless person to stay (to live) in the territory of the Russian Federation, changes of citizenship not later than within 3 (Three) working days from the date of the changes, as well as on alteration of his/her fiscal residence not later than 15 (fifteen) calendar days from the date of the changes personally, filing the respective application to a Bank Subdivision unless otherwise provided by the General Terms or legislation of the Russian Federation.

The Client has the right to notify the Bank via the System about the change of registration address, actual residential address, postal delivery address, contact telephone numbers, e-mail address, change of employment (profession, position, work address), full name in Latin letters, and also make the following additions to personal data through the System: country of birth, TIN, SNILS, Client Codeword (if it was not indicated by the Client when opening the Account). In this case, the Client signs an application for changing data / additions to personal data with a One-time password.

In case of change in the details of the identification document of the Client (the Authorized Representative), as well as the document confirming the legality of stay of a foreign citizen or a stateless person on the territory of the Russian Federation, the Client or the Authorized Representative shall personally (unless otherwise established by the General Terms or the legislation of the Russian Federation) submit the original of the specified document to the Bank to make a copy of the submitted document and to attach it to the Client’s profile.

In cases agreed with the Bank, the Client has the right to notify the Bank about the change of the identity document, providing the Bank with information about the change of the document in the form of its scanned copy and a statement in which the Client confirms the validity of the document via the System by signing the Simple Electronic Signature Key with Hash Code in accordance with clause 10.2.15 of the General Terms.

The Bank shall not be liable for non-receipt by the Client of any information / documents (including those containing confidential information) / receipt of the same by any unauthorized person in case of failure of the Client to notify the Bank of his/her new contact details or in case of submission by the Client of any incorrect contact details.

2.10.3. The Client undertakes to present on the first demand of the Bank (but in any case no later than within 3 (three) working days after the date of the relevant request of the Bank in any form set in clause 2.14 of the General Terms) any documents or information (written explanations) necessary for the Bank to comply the provisions of the RF legislation against legalization (laundering) of criminal profits and terrorism, including information on the presence / absence of changes in data obtained as a result of identification of the Client.

Upon request (and, in any case not later than 15 (fifteen) calendar days), the Client shall provide the Bank with documents or information required for compliance with the Russian legislative requirements concerning peculiarities of financial transactions with foreign citizens and legal persons and legislation concerning international automatic exchange of information.

In cases agreed with the Bank, the Client is entitled to provide the above said documents in the form of scanned copies together with a statement in which the Client confirms the validity of the documents by means of the System with their signing with a Key simple electronic signature with a Hash code in accordance with clause 10.2.15 General Terms.

Failure to provide the above information / documents by the Client may serve as the basis for the onset of consequences provided for by the General Terms or legislation of the Russian Federation.

2.10.4. The Bank shall be entitled to require the Client to provide it, and the Client shall provide it, within 3 Business Days from the moment of the receipt of the relevant Bank’s request, with documents required for the Bank to consider claims, complaints, and other statements made by the Client.

2.10.5. The Client is obliged to provide the Bank upon request (but no later than 1 (one) business day from the date the Bank sends a corresponding request to the Client with documents confirming the validity of receipt of funds transferred to the Client.

2.10.6. Failure to provide information / documents by the Client may serve as a basis for the occurrence of consequences provided for by the General Conditions or the legislation of the Russian Federation.

2.11. The Client (Borrower/Pledger/Guarantor), gives his/her consent to the processing by AO “Raiffeisenbank”, 17, bldg. 1, Troitskaya St., 129090 Moscow (including obtaining from the Client and/or any third parties) of his/her personal data and / or results of processing personal data of the Client and acknowledges that by giving such consent he is acting voluntarily and to his/her own benefit. The consent is given by the Client for purposes of execution of any agreements with the Bank and their subsequent performance, provision of services by the Bank, Bank services promotion, participation in actions sponsored by the Bank, surveys, studies (including, but not limited to carrying out surveys, studies using electronic, telephone and cellular communications), preparation by the Bank or a third party of various kinds of reporting, making decisions or performing any other acts and actions which give rise to legal consequences for the Client or other parties, provision of information to the Client about the services rendered by the Bank, the Banks provision on consulting services including those for the purpose of the Client’s signing further Agreements/agreements with other parties, and shall extend to the following data: contents and details of an identity document information about enforcement proceedings in respect of the Client and any other information relating to the Client contained in publicly available or open sources, including on the Internet and / or made available by third parties (hereinafter – “the Personal Data”). The Client’s Personal Data shall be processed by the Bank in the volume required for achievement of each of the above objectives. This consent shall be valid within the term of storage of documents and information containing personal data stipulated by the current legislation of the Russian Federation and agreements concluded with the Client. The Client may revoke his consent by giving a notice in writing to that effect to the Bank no later than three (3) months before the moment of revocation of the consent. This consent is given to performance of any action included in the concept of "processing" according to paragraph 3 of Art. 3 Federal Law No. 152 “On Personal Data”. The Client’s Personal Data shall be processed by the Bank with the use of the following key methods (but shall not be limited to them): storage, recording on electronic media and storage thereof, preparation of lists, and marking. The Client hereby agrees and acknowledges that if necessary the Bank may assign the processing of Personal data and transfer Personal data in order to achieve the above purposes, for the purposes of archival storage, for the purposes of complying with the requirements of the legislation on counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism, for the purposes of debt collection to a third party (including JSC “MetLife”, 127015, Moscow, Butyrskaya str., 76, bldg., LLC "Telekontakt" 142191, Moscow, Orlikov per., Building 3 building "B", LLC" Insurance Company" Raiffeisen Life", 115230, Moscow, 1st Nagatinsky fare, 10, building 1, "Liberty Insurance " (JSC), 196084, St. Petersburg, Moskovskiy prospect, 79А, Insurance Company "RESO-Guarantia" 117105, Moscow, Nagorny proezd, 6, AO “Intouch Insurance”127018, Moscow, ul. Suschevsky Val, d. 18, AlfaStrakhovanie JSC: 31, Shabolovka str., bld. B, 115162, Moscow; Renaissance Insurance Group, Ltd.: 7, Derbenevskaya embankment, bld. 22, 115114, Moscow; IC VTB Insurance, Limited: 8, Chistoprudny Boulevard, bld. 1, 101000, Moscow; ERV Travel Insurance JSC: 8, 4th Dobryninsky per., office S 14-01, 119049, Moscow; LLC Medlabel (AP Companies)117393, Moscow, Profsoyuznaya st., 56, OOO OSG Records Management, 127083,



Russia, Moscow, 8 March str., 14, building 1, OOO "Filbert", 198095 St. Petersburg, Marshal Govorov str., 35 building 5F, OOO "Everest", 109147, Moscow, Marksistskaya str., 34k8 premise 2, AO "Financial Agency for Collection of Payments", 109044, Moscow, Krutitskiy Val str.,14, OOO "Bureau of Credit Safety" Russkollektor ", 129515, Moscow, Academician Korolev str., 13, building 1, OOO Stolichnoye AVD, 107564, Moscow, Krasnobogatyrskaya str., 2 building 2 premise 5, LLC "Kreditekspress finance", 127055, Moscow, Butyrsky Val str, 68/70 building 1, OOO MBA Finance ", 115191, Moscow, the lane. B. Starodanilovsky, 2 building 7 floor 3, LLC "Agency of judicial seizure", 194100, St. Petersburg, prosp. Lesnoy, 63 litt. A, OOO "Trade and Shopper Marketing", 119334, Moscow, Vavilova str., 3, ZAO "Prime Club" Moscow, Roshchinskaya 2-ya str. 4, Raiffeisen Bank International AG, 1030, Austria, Vienna, Am Stadtpark 9, as well as banks included in the Raiffeisen Bank International AG group (including Priorbank OJSC, Republic of Belarus, 220002, Minsk, 31A Vera Horuzei, Raiffeisen Bank Kosovo JSC, Rruga UÇK, No. 51, 10000 Prishtina), LLC “ABBYY”, 127273, Moscow, Otradnaya str., house 2B, building 6, office 12, Kofax Schweiz AG, 6343, Switzerland, Rotkreuz, Grundstrasse 14, LLC "Freight Corp." 123060, Moscow, Berzarina Str., 36, building 1, Sun-Express LLC 125080, Moscow, Volokolamskoye sh., 2, premises I, room 1 floor 23, JSC "Freight Link" 123995, Moscow, Marshal Zhukova Avenue 4, LLC "BSpost" 109428, Moscow, Ryazanskiy pr-t,8A, building 20, OO Primokollekt, 117420, Moscow, ul. Profsoyuznaya, 57, OOO "ActiveBusinesCollection", 117036, Moscow, ul. Dmitriy Ulyanov, 7A, National Collection Service LLC 108811, Moscow, Kievskoye highway, 22nd km (Moskovsky settlement), home ownership 6, building 1, LLC MBKI 125130, Moscow, ul. Priorova, 30, JSC National Bureau of Credit Histories, Moscow, 12, Skatertny per., Bld. 1, p. 1, United Credit Bureau, CJSC, 127006, Moscow, ul. 1st Tverskaya-Yamskaya, d. 2, bldg. 1, Equifax Credit Services LLC 129090, Moscow, Kalanchevskaya st., 16, bldg.1, LLC Russian Standard Credit Bureau 105318 Moscow , Semenovskaya square, d. 7, bldg.1, LLC "Mail.Ru" 125167, Moscow, Leningradsky prospect, 39, building 79, YANDEX LLC 119021, Moscow city, Leo Tolstoy street, 16, PJSC "MegaFon" Moscow, Kadashevskaya naberezhnaya, 30, "MDG", 196084 , St. Petersburg, st. Krasutsky, 4, letter "A”, OOO "Findostavka" 109028, Moscow, Lane Ivanovskiy M., house 6/2, LLC Impacto Marketing Services 107113, Moscow, ul. Sokolnichesky Val, 2A, floor 1 room No. 116, Ltd. "Payment system" VISA ", 123056, Moscow, Gashek str., 7, p.1, office 850," Mastercard "LLC, 127051, Moscow, Tsvetnoy Bulvar str., 2, 4, Pom.1, LLC "Lenta", 197374 St. Petersburg, Savushkina St., 112, lit.B, Mastercard Europe SA, 198 / A, Chaussée de Tervuren, 1410 Waterloo, OOO Braddy, 101000 Moscow, Bolshoi Zlatoustinsky Pereulok, 3/5, Representative Office of Austrian Airlines in Moscow, 127051 Moscow, Moscow, b- p Tsvetnoy, d. 25, bld. 3, Federal Passenger Company JSC, Moscow, 107078 Moscow, 34 Masha Poryvayeva St., Siberia Airlines, 633104, Novosibi 10, Mozherin Avenue, Office 201, Internet Solutions LLC, 123112, Moscow, Presnenskaya nab., d. 10, 41, Pom. I, room 6, OOO Yandex. Taxi ", 115035, Moscow, Sadovnicheskaya St., building 82, building 2, room 916, Mobile TeleSystems PJSC, 109147, Moscow, Marksistskaya St., 4., PJSC "VimpelCom", 127083, Moscow, ul. March 8, d. 10, p. 14, LLC “M Date” 115280, Moscow, st. Leninsky Sloboda, 19, JSC "NSPK", 115184, Moscow, Bolshaya Tatarskaya St., b.11A, AO "DHL International 127083, Moscow, 8 March Street, 14," IP Baklakov Vladimir Vasilyevich ", 140120, Moscow Region, Ramensky District, Ilyinsky Village, ul. Oktyabrskaya, 57/3 kv.67, OOO NPK Magenta Development 443010, Samara, Samara, 146, OOO SMS-Center 123112, Moscow, Presnenskaya nab., 12, office A35, T2 Mobile LLC, Russian Federation, 108811, Moscow, Moskovsky settlement, Kievskoe highway, 22nd kilometer, household 6, bldg 1, SDEK-Global LLC, 630007, Novosibirsk, ul. Krivoshchekovskaya, house 15k1, floor 1,2, JSC "PF SKB Kontur" 620017, city of Yekaterinburg, ul. Cosmonauts, 56, InteractiveCenter LLC, 199226 St. Petersburg, ul. Galerny passage, 5, Finfort-Agent Networks LLC 414000, Astrakhan Region, Astrakhan, ul. Sverdlova, d.№59A, letter A, Lidokoll LLC, 109544, Moscow, Rogozhsky Val, d.13, bldg. 2, 171, LLC Terem-pro, 140170, Moscow Region, Bronnitsy, ul. Central, 2, Absolute Insurance LLC 115280, Moscow, st. Leninsky Sloboda, d. 26, LLC “Difficult and Beautiful”, 11535 Moscow Kadashevsky 1st Per. d 13 p. 1 room 1 к.2.3,4, LLC "UK" Raiffeisen Capital ", 119002, Moscow, Smolenskaya-Sennaya square, 28, Raiffeisen Leasing LLC 119121, Moscow, Smolenskaya-Sennaya Square, 28, Always Yes LLC, 125040, Moscow, st. Pravda, d. 8k7, Getap LLC, 109316, Moscow, ul. Volgogradsky Prospekt, 28A, room 21, LLC Zetta Insurance, 121087, Moscow, Bagrationovsky passage, 7, building. 11, LLC Telekontakt! 115093, Moscow, st. Pavlovskaya, d. 27, p. 4, LLC

“GDE247” 196158, Moscow highway, 26 building 2, building 1, apt. 149, participants of the Fast Payment Service, the funds beneficiaries in a money transaction using the Fast Payment Service and processing of personal data by NSPK JSC, members of the Fast Payment Service and by the beneficiaries of the money transaction using the Fast Payment Service, and other non-credit or non-banking organizations) in order to attain the aforesaid goals, and, likewise, where any third parties are engaged to provide services to the Client or the Bank delegates any of its functions or authorities to another party (assigns, including consideration of the possibility of assignment and the decision on assignment, or pledges the rights possessed by the Bank, etc.). The Bank shall be entitled to disclose the information on the Client (including Personal Data) to such third parties, their agents and other persons authorized by them to the extent required to undertake the above actions, and to provide such persons with relevant documents containing such information subject to statutory requirements. The Client hereby also acknowledges and confirms that this consent shall be deemed given by the Client to any third parties mentioned above, mutatis mutandis, and any such third parties shall have the right to the processing of the Personal Data transferred by the Bank, as well as on the receipt by the Bank from third parties of the results of processing such data pursuant to this consent.

In the event of an insurance contract between the Client and LLC IC Raiffeisen Life when the personal data is changed, the Client gives his/ her consent to the Bank to transfer the modified personal data to LLC IC Raiffeisen Life.

As a waiver of restrictions on the preservation of bank secrecy, the Client (Borrower/Mortgagor/Guarantor) agrees that the Bank provides the information on the Client (Borrower/Mortgagor/Guarantor) envisaged in the personal data processing consent to third parties specified in the relevant personal data processing consent.

When receiving a co-branding Card, the Client provides the Bank with its consent to transfer to the organizers implementing the co-branding loyalty program/ Loyalty program, information about themselves, the Card in the amount necessary for the Client’s participation in the co-branding loyalty program/ Loyalty program. If when reissuing a Bank Card its number has changed, the Client consents to the Bank transferring the number of the reissued Bank Card to the Payment System in order to update the information on the Bank Card number in electronic subscriptions and other services that were previously paid using the Client’s Bank Card that was reissued.

2.12. In the Bank’s Subdivisions, with the verbal consent of the Clients, the Bank is entitled to conduct surveys of Clients using audio-video equipment in order to collect statistical data on Clients and conduct marketing research.

2.13. Where the General Terms, Card Use Regulations, or the Bank’s Tariffs need to be amended, the Bank shall notify the Client of such amendments in any form expressly provided in clause 2.14 of the General Terms. Such information made available to the Client shall be deemed to be a Bank’s offer addressed to the Client regarding amendments to the General Terms, Card Use Regulations or the Bank’s Tariffs. If no objections are received from the Client by the Bank within 14 calendar days after the information about the aforesaid amendments was made available, such Client’s silence shall mean acceptance by the Client of the Bank’s offer and after the expiry of the aforesaid term the General Terms, Card Use Regulations, or Bank’s Tariffs shall be deemed amended with the consent of the parties. Performing by the Client Account/ Card Transaction, any other operation after the expiration of the specified period is an additional consent of the Client with the service on the changed conditions. Applicable for Credit cards: execution of Credit card transactions after enforcement of the new Tariffs shall be considered the consent of the Borrower with the changed Tariffs.

If amendments mentioned in this clause are connected with launching new products and/or services of the Bank, changes in the legislation of the Russian Federation, improving conditions of offering currently available products and services of the Bank to the Client or changing annual



interest rates for Deposits22, then the aforesaid term (14 calendar days) shall be shortened to 1 calendar day. If any objections are received by the Bank from the Client as to the Bank’s offer within the aforesaid term, this shall be considered by the Bank to be a Client’s application for termination of the Agreement, unless otherwise provided by the General Terms.

2.14. Any information shall be delivered to the Client, at the Bank’s option:

by way of placement of relevant information at the Bank’s Subdivisions; or

by way of posting on the Bank’s Website and/or the System; or

by way of sending written notifications at the addresses, provided by the Client for the delivery of banking correspondence23, and/or at the e-mail address or by sending an SMS at the phone numbers, provided by the Client or Push Notification to Contact Mobile Device; or

by sending the relevant information to the company, which has an Agreement with the Bank, if the Client is an employee of such a company; or

by sending the relevant information in electronic form through the System (in case the Client is connected to the System); or

by any other publicly-accessible means.

2.15. Where and as provided for by the applicable laws of the Russian Federation, the Bank shall have the right to exercise, in respect of the Client, controlling and other similar functions assigned to the Bank, including the functions of a currency control agent. By doing so, the bank shall have the right to request from the Client (written or oral) any required documents and written explanations, and the Client undertakes to promptly provide the Bank with any such documents and written explanations related to the transactions being carried out, including the ones which would permit the identification of the Account Transaction for purposes of currency control.

In instances set forth by the laws of the Russian Federation, the Bank shall have the right to inform authorised bodies about the Client’s foreign currency transactions either upon their request or by including the information about the Client’s Transactions in the Bank’s financial statements to be submitted to such authorised bodies.

2.16. The Client hereby authorises the Bank to block the Card, to reject carrying out Client’s Order for a transaction (until the Client provides to the Bank the required information (hard copy data) in the following cases:

the transaction, in the Bank’s opinion, does not comply with the RF applicable laws or internal documents and procedures of the Bank and/or the group of persons that the Bank belongs to;

the Bank suspects the transaction is effected for the purposes of legalization (laundering) of criminal profits and terrorism financing;

in other cases of failure by the Client information (documented data) necessary for the performance by the Bank requirements of the Russian Federation legislation against legalization (laundering) of criminal profits and terrorism as well as the legislation of the Russian Federation on special features of financial transactions with foreign individuals and legal entities and legislation concerning international automatic exchange of information.

2.16.1. The Bank is entitled in the cases and the procedure, stipulated by the RF legislation, to refuse to carry out transactions, as well as to unilaterally terminate the Agreement in the event of non-provision bу the Client subject to the legislation of a foreign state on the taxation of foreign accounts (hereinafter referred to as "Client being a foreign taxpayer") of:

the documents verifying or denying the status of the Client-foreign taxpayer;

the consent (waiver from consent submission) to transfer information to the foreign tax body (in case of referring to the category of the client being a foreign taxpayer).

2.16.2. The Bank shall be entitled to refuse to conclude a Bank account agreement or Deposit agreement with the Client or to terminate the agreements unilaterally; not to issue or reissue the Cards; not to render Remote banking services; to deny the Client to activate the Service Package and to execute an Account/Card Transaction, if the Client fails to provide information concerning his/her fiscal residency as provided for by the legislation concerning international automatic exchange of financial information.

2.17. The Bank shall be entitled to refuse to enter into the Bank Account Agreement with the Client, not to issue or re-issue the Card or render remote banking services, to refuse to connect a Service Package where it has any suspicion that the transaction is conducted for the purpose of legalization (laundering) of proceeds of crime or financing of terrorism.

2.18. The Client hereby authorizes the Bank to send to him/her or the Authorized Representative/the Child to provided to the Bank:

Contact mobile telephone number – voice and SMS messages containing information on the current and overdue indebtedness, any other information (including confidential content), sent within the framework of the Client service and for the execution of Agreements concluded with Client as well as , information on amendments to Card Use Regulations, of the present General Conditions and the Tariffs, on new products, other news and ads -;

the e-mail address – letters containing documents/ information (including confidential ones) sent by the Bank within the framework of services rendered to the Client and implementation of Agreements concluded with him/her, as well as information about changes in Tariffs, Card Use Regulations, these General Terms, new products and services as well as products and services offered to the Client, other newsletters and advertising letters;

Delivery address – Cards/ documents, including those containing sensitive information, in the manner specified in cl. 2.36, 6.2.2.3, 7.3.1.3 of the General Terms.

The Client/ the Authorized Representative/ the Child hereby gives his consent to receive from the Bank the aforesaid information/documents/ Cards to the Contact mobile telephone number/e-mail address/ Delivery address, provided to the Bank as well as undertakes to forthwith notify the Bank in case of any change in the aforesaid information. The Client/ the Authorized Representative/ the Child understands that the e-mail/Internet/mobile communication channels/ postal services / courier service are not safe and bears all risks connected with any possible breach of confidentiality and integrity of information if it is sent via e-mail/Internet/mobile communication channels as well as with any possible illegal actions of third persons. The Bank shall not be liable for losses caused by non-receipt by the Client / the Authorized Representative/the Child or receipt by an unauthorized person SMS, voice and e-mail messages, mail, parcel delivered by courier.

2.19. The Bank undertakes to ensure the confidentiality of the Client’s data, Available Balance and Account Transactions, unless the Cl ient authorizes the Bank to send him/her information / documents (including containing confidential information) through open communications channels (email or SMS) and subject to the restrictions defined in respect of the Raiffeisen CONNECT, and in other cases specially defined by the General Terms.

22 The annual interest rates for the deposits thus changed shall apply only at the renewal of a Deposit and for the newly executed Deposit Agreements. 23 If the Client has not provided the Bank with the delivery address of bank correspondence, then if the Bank needs to send letters / notifications in writing to the Client, the Bank will use the address of actual residence specified by the Customer or registration address (at its discretion).



2.20. Any disputes arising in connection with consumer rights protection shall be considered in accordance with the jurisdiction rules set forth by the RF laws. Other disputes arising in connection with the execution, performance or termination of the Agreement shall be considered by a justice of peace or a federal court of general jurisdiction at the location of the Bank or the Bank’s branch (operating office) that that acted on behalf of the Bank during the execution of the Agreement24.

2.21. The Parties agreed that the submission of:

- explanations to the Borrower/the Client on the procedure for issuing the statement of waiver to interact with the Bank or on interacting with the Bank only through its representative;

- notifications of the Borrower/the Client on attracting other person by the Bank to carry out interaction with the Borrower/the Client aimed at repayment of overdue debts;

- other explanations and/or notifications, the submission of which by the Bank to the Borrower/the Client is stipulated by Federal Law No. 230-FZ dated 03.07.2016 "On Protection of Rights and Legal Interests of Individuals in Conducting Activities on Returning Overdue Debts and on Amending the Federal Law on Microfinance Activities and Microfinance Organisations,"

shall be conducted by the Bank using any of the following methods (at the Bank's discretion):

- by sending written notifications at the address for delivery of banking correspondence specified by the Borrower/the Client, and/or via email address, or

- by sending SMS messages at the phone number specified by the Borrower/the Client, or

- by sending written notifications in electronic form via the System (subject to connection of the Borrower/the Client to the System), or

- by sending messages on WhatsApp.

2.22. In the event of the Client’s debt to the Bank for any obligations arising from the Agreements concluded between the Bank and the Client, and if the Bank fails to contact the Client using the contact information provided to them, the Client provides the Bank with the right to apply to the Client’s workplace to obtain the necessary information.

2.23. Notification of the Bank on cancellation by the Borrower/the Client of the statement to carry out interaction only through a representative or the statement of waiver to interact shall be made by sending the corresponding notification by the Borrower/the Client to the Bank by registered letter with acknowledgement of receipt.

2.24. When the Client is abroad or uses mobile telephone number of a foreign mobile phone provider as Contact mobile telephone number as well as for the receipt of Service «Transaction Notification» and/or of One-time Passwords, working peculiarities of the systems of mobile phone providers may increase the risk of delayed/ not delivered SMS-messages from the Bank. The Client is notified of this risk, fully understands it and takes it into account when going abroad as well as providing to the Bank his/her mobile telephone number as a Contact mobile telephone number and for the receipt of Service «Transaction Notification» and/or of One-time Passwords.

2.25. The Bank may provide additional services to the Client and/or offer Service Packages to the Client pursuant to Clause 15 hereof. The Client chooses on its own whether he wishes to use separate banking services or a Service Package. The Agreement for provision of a package of banking services shall be terminated if the Bank receives a certificate of the Client’s death, and the day of termination hereof shall be the day of submission to the Bank of this certificate.

2.26. In the part not governed by the Agreement, General Terms, Tariffs and Card Use Regulations, the relations between the Bank and the Client shall be governed by the applicable laws of the Russian Federation.

2.27. The Client agrees that for purposes of the Clients’ security the Bank may carry out video or electronic monitoring at its premises and determine the procedure of the Client’s access to its premises. The Client, the Authorised Representative, the Child is not entitled to carry out photo and video filming in the premises of the Bank.

2.28. In the event of failure by the Client to perform any of his obligations, arising out of the Agreements made by and between the Bank and the Client, and where the relevant information (including the information about the Bank’s actions stated in clause 3.15 of the General Terms) needs to be provided to the Client, the Bank shall have the right to reach the Client by phone, using the information available to the Bank.

2.29. Where the Bank does not exercise any of the rights, which it has been granted by the General Terms, the relevant rights shall not cease to exist and the Bank shall have the right to exercise them.

2.30. The Client shall pay for the Bank’s services, set forth by the Agreement, General Terms, agreement on Service Package in accordance with the Tariffs (unless otherwise stated in the Agreement, Tariffs). The Bank shall have the right not to provide the services to the Client until such services are paid by the Client.

2.31. Within the framework of advertising campaigns the Bank has the right to set discounts on the fee (commission) specified in General Terms, Agreement, and Tariffs to cancel the collection thereof or not to collect such a fee (commission) within the established period. The rules of such campaigns will be placed on the Bank Website jointly with the indication of discount amount and/or of cancellation of the fee (commission) collection, the term when the discount is available / under which the fee (commission) is not collected, the conditions of the discount receipt, the term and/or period of time under which (within which) the fee (commission) is not collected. In such a case the General Terms, Agreement, Tariffs will be effective jointly with the rules of the above campaigns. Besides, in any other cases determined by the Bank the latter may cancel collection of the fee (commission) specified in General Terms, Agreement, Tariffs, or may not collect such a fee (commission) within the established period. Terms (period of time), under which (within which) the fee (commission) is not collected shall be determined at the discretion of the Bank and communicated to Clients.

2.32. The Bank shall have the right to offer Clients to participate in voluntary insurance programs. The Client participation in insurance programs is voluntary and non-obligatory; the Client’s participation or non-participation in such insurance programs is not a condition for being provided with any banking services, the Client’s non-participation in such insurance programs may not serve as grounds for refusal to provide any banking services to him/her. All references in the text of General Terms to the insurance programs offered by the Bank, payment by the Client of a monthly insurance payment, fee for participation in the insurance program, etc. shall be used in case of the Client’s vo luntary consent to participate in a relevant insurance program of the Bank.

2.33. An application for inclusion in the "My Safe Bank"/"Voyage"/"The most important" Insurance Programme may be submitted by the Client via the Bank's Information Centre. In this case, during the telephone conversation with the Bank’s employee, the Client expresses his consent to be a participant in this Insurance Programme and to become the insured person, as well as provides the Bank with an Order for payment of fees for participation in the Insurance Programme. Registration and confirmation of the application for inclusion in the Insurance Programme shall be performed in accordance with the rules of Section 12 of the General Terms and Conditions.

24 This provision does not apply to Loan agreements concluded with 01.07.2014, at which the jurisdiction dispute is determined by the Individual Terms.



2.34. The Application for Exclusion from the “My Safe Bank”/” The most important” insurance program/ "The program of life insurance against accidents and illnesses, loss of work of borrowers of consumer loans of AO Raiffeisenbank" / "The program of voluntary insurance of life and against accidents and diseases of holders of credit cards of AO Raiffeisenbank" may be executed by the Client through the Bank's Information Center. In this case, during a telephone conversation, the Client expresses to the Bank employee his desire to terminate part icipation in this insurance program. Registration and confirmation of application for exclusion from the insurance program is carried out in accordance with the rules of Section 12 of the General Terms.

2.35. The Bank shall notify the Client, another Card Holder on completion of transactions with usage of Cards, Raiffeisen Online System, Standing Orders made through the Call Centre of the Bank as well as using other electronic means of payment by sending the relative notification in the following forms:

SMS-message to the Client’s/another Card Holder’s mobile phone registered with the Bank for this SMS service – applicable for the Clients/ other Card Holders connected to the Service “Transaction Notification”, in particular the transactions effected with usage of Cards, Raiffeisen CONNECT, the Orders in the form of SMS-messages;

Push notifications on the screen of a Contact Mobile Device - applies to Clients who activated the Service "Transaction Notification", set Raiffeisenbank Mobile application and chose the option to receive notifications in the form of Push Notifications in relation to transactions effected with usage of Cards, Raiffeisen Online System.

Account Statement to the Client’s e-mail address – applicable for the Clients who gave their e-mail address in regard of any transactions and expressed their desire to receive the information by letters sent to the e-mail address, with regard to all transactions;

placement of information on completed transaction within the Systems – applicable for the Clients/other Card Holders connected to the relevant System, in regard of any transactions,

Account / Credit Card Account hard-copy statements made available at the Bank Subdivisions and generated on a daily basis – applicable to all Clients and all transactions.

The Client, another Card Holder undertakes to make every possible effort in order to facilitate the aforementioned notification delivery actions of the Bank and is responsible for failure to make (inadequacy of) such necessary efforts.

The Bank is deemed as performed its obligations on informing the Client, another Card Holder on completion of the above transactions and the Client, another Card Holder is deemed as received the notification on the transaction after the date when the Bank places the information on the relevant transaction in the System and/or sends the notification thereof to the Client, another Card Holder in the form of the SMS-message and/or Push notifications and/or electronic letter to the Client’s/another Card Holder contact details available with the Bank and/or upon the generation by the Bank of the Account / Credit Card Account Statements which may be received at the Bank Subdivision. If the notification is being sent to the Client, another Card Holder in more than one form (i.e. by SMS-message and be electronic letter) the Client, another Card Holder is deemed as informed starting from the date of the earliest notification from the Bank.

The Bank takes no responsibility for the contact address given by the Client, another Card Holder being unreliable/out of date or being impossible to use for the reasons out of the Bank’s control and for consequences that the Client, another Card Holder failed to undertake (unduly undertook) actions required to facilitate notification delivery from the Bank. In case the Client, another Card Holder received the information from the Bank on completed transaction in any other form (i.e. from the Bank’s employee, from account statement, etc) the Client, another Card Holder is considered to be duly informed on completed transaction and the Bank is considered to duly perform its obligations on informing the Client, another Card Holder of completed transaction. The list of transactions to be given notifications for will be set by the Bank.

2.36. Upon the Client’s request, the Bank may provide statements/ Bank approvals/ other documents related to the Accounts/ Cards/ Deposits/ Credit Products25 and other products and services rendered by the Bank26.

The request for a document may be submitted by the Client

‒ to the Bank Subdivision. In this case, the Client indicates the Delivery Address in the corresponding application;

‒ to the Call Center of the Bank in accordance with the rules of Section 12 of the General Terms. In this case, during a telephone conversation, the Client calls the Delivery Address to the Bank employee.

‒ System. The procedure for certifying this application is defined in clause 10.2.13 of the General Terms.

The requested document may be transmitted (sent) to the Client at his choice, depending on the capabilities of the Bank27:

1) to the Bank Division;

2) to the email address provided by the Client to the Bank;

3) courier service;

For delivery of documents by the courier service, the Bank charges a fee in accordance with the applicable Tariffs. Courier delivery is carried

out to the Delivery address specified by the client within the territory of the Russian Federation, provided that the courier service delivers

correspondence to the specified address.

4) through the postamat in the Bank Division. In this case, the Bank sends the Client a code for opening a postamat cell to the Client’s Mobile Phone Number. The validity period of the code for opening the post office cell is 5 working days from the moment it is sent to the Client.

5) in the System.The Bank shall be entitled to disclose, if necessary, the information about a transaction constituting the banking secret and disputed by the Client, to law enforcement bodies and insurance organizations.

2.37. The Client (Borrower) grants the Bank permission to obtain information from the Client’s credit history to the extent, in the manner and on the conditions determined by the current legislation of the Russian Federation, for the purpose of entering into credit and other agreements with the Bank and their execution.

2.38. The Bank is entitled to use the facsimile signature of the authorized person of the Bank (by means of mechanical, automaticor other copying)

‒ in the documents sent to the Borrower on the Bank's procedures to return the overdue indebtedness;

‒ documents provided to the Client at the email address in accordance with clause 2.37;

25 A loan statement cannot be provided if more than five (5) years have passed since the termination (full repayment) of the Loan. 26 The Client may clarify a list of applicable documents at the Bank Subdivision or by contacting the Call Centre of the Bank. 27 The Client may clarify possible ways of submitting documents at the Bank Subdivision or by contacting the Call Centre of the Bank.



‒ when submitting a response from the Bank to the Client’s appeal / claim, as well as in documents and notifications sent to the Client in electronic form from the Bank’s email addresses;

‒ in other cases stipulated by the General Terms.

2.39. Transactions made using the Cards, the System, and other electronic means of payment

2.39.1. The Bank shall present under the Client’s written request any documents available with the Bank or received by the Bank on disputable transactions with usage of Cards, Raiffeisen Online System and other electronic means of payment (including electronic data of international payment systems). 2.39.2. The Bank shall consider written applications of the Client regarding disputed transactions made using the Cards, Raiffeisen Online System which are to be prepared according to the form determined by the Bank. The Bank shall give to the Client an opportunity to get information about the results of the consideration of the Client’s application, including in writing upon the request of the Client. 2.39.3. Any breach by the Client of the procedures established for the use of the Cards, Raiffeisen Online System and other electronic means of payment shall be deemed to be a breach of any of the clauses of the Agreement, General Terms, Card Use Regulations governing the relations of the Parties in connection with the use of the Cards, Raiffeisen OnlineSystem. The Client shall be liable for a breach of the procedures established for the use of the Cards, Raiffeisen Online System, as set out in the General Terms, and Card Use Regulations, including for any expenses and losses of the Client incurred as a result of a breach by the Client of the relevant procedures.

2.40. Loans

2.40.1. The provision and repayment of Loans for settlements under Credit Card Transactions, the granting and repayment of Consumer loans is carried out by the Bank on the basis of the “Agreement on the Provision and Maintenance of a Credit Card” and the “Loan Agreement”, respectively. In cases established by the Bank, the Client must also issue a corresponding application on the form of the Bank (the “Application”). 2.40.2. The Client/ Borrower shall promptlyо inform the Bank of submitting by him or in his/her respect a declaration of acceptance of his/her bankruptcy, as well as the occurrence of events that could adversely affect the obligation of the Client/ Borrower to return the Loan in due time, including a significant worsening of financial position of the Client/ Borrower and/or the presence of signs of the Client’s/Borrow’s insolvency/ insufficiency of the property in regard to money liabilities and other obligations, including those to the third party lenders. 2.40.3. The Client concluded with the Bank Loan Agreement, is obliged to provide the Bank with documents about their financial situat ion on an annual basis during the entire term of the Loan Agreement. 2.40.4. The Bank will send information about the Client (Borrower) and the Guarantor, defined in art. 4 of the Federal Law of 30.12.2004, № 218-FZ "On Credit Histories" to a credit bureau.

2.41. The Client / Authorized Representative/ Child shall keep secret and not transfer to any third parties One-Time Codes. The Bank shall not be liable for the consequences of any use of the One-Time Code by third parties, including that which is possible as a result of the transfer by the Client/ Authorized Representative/ Child of the mobile phone which Contact Number the Bank has to any third parties.

2.42. The General Terms have been drafted in the Russian and English languages. Should there be any discrepancies between the English and the Russian version; the Russian text shall take precedence.

3. General Terms of Servicing Bank Accounts

3.1. Unless otherwise provided for by the General Terms, the bank shall open accounts upon presentation by the Client of documents required by the applicable laws of the Russian Federation and the documents adopted by the Bank in accordance therewith.

3.2. Any kind of transactions on the current Account may be carried out, if such transactions do not contradict to the applicable laws of the Russian Federation, the Agreement and these General Terms. When opening the Account, the Bank is entitled to take copies of the original documents presented by the Client for the purposes of legal filing the Client’s documents.

The Account is not and cannot be a joint account in the sense of Chapter 45 of the Civil Code of the Russian Federation, therefore, norms on joint accounts are not applicable to the Account.

3.3. The cash funds deposited in the Accounts, in deposits, shall be insured subject to the procedure, amounts and conditions set out by the applicable laws of the Russian Federation.

3.4. The Client may operate his/her Accounts both himself and through the Authorised Representative.

3.5. Depositing cash on the Client’s Account through the Bank’s cash desk by third parties shall only be allowed, if the relevant third party holds the original Power of Attorney and a personal identification document, unless otherwise stated by the laws of the Russian Federation.

In instances provided for by the applicable laws of the Russian Federation, depositing cash on the Client’s Account by a third party may be allowed without a Power of Attorney, upon presentation of a personal identification document and provision of a 20-digit number of the Client’s Account and the full name (first name, patronymic and last name) of the Accountholder.

3.6. The Client’s rights for management of funds on the Account cannot be limited except for the cases of ban of funds on the Account, receiving by the Bank of information on the introduction of bankruptcy proceedings against the Client or suspension/cessation/denial of bank transactions with the Account in cases set by the RF applicable legislation as well as other cases provided for by the General Terms, including cl.6.1.8.

3.7. The rights to the funds on the Account are deemed to belong to the Client within the amount of the balance, with the exception of funds for which the recipient of funds and (or) his servicing bank has been authorized to execute the Client's order for writing off funds within 10 (Ten) days. At the end of this period, the funds in the Account, in respect of which the possibility of executing the Client's order was confirmed, shall be deemed to belong to the Client.

3.8. The Bank shall not be liable for any consequences of carrying out instructions in respect of the Account, which have been given by unauthorised persons where such instructions have been made:

as a result of forgery (falsification) of Orders or other documents (including justifying (supporting) documents, powers of attorney, applications, notices, etc.); or

as a result of otherwise misleading the Bank’s employees in respect of the lawfulness of such instructions; or

as a result of the use of software, technical and other means (devices, materials) allowing unauthorised persons to prepare, modify, block or destroy electronic data generated by the Payment System, Bank Terminals or Systems; or

As a result of the Client’s failure to notify the Bank of a POA cancelation as specified in Cl. 2.4 of these General Terms and Conditions.

3.9. The Bank has the right to impose limitations on operations with cash on Accounts in currencies different from Russian roubles, US dollars and euro in certain Bank Subdivision. The Client can receive information on the said limitations upon application to a Bank Subdivision.



3.10. The Client shall notify the Bank by telephone of the receipt of cash from the Account if the amount so received exceeds the amount established by the Tariffs, within the period of time defined in the Tariffs.

3.11. The Bank charges commission fees for services in the currency of an Account, on which the service is provided, unless otherwise stipulated by General Terms or Tariffs.

3.12. If the amount of commission fee is set to a fixed numerical value, for accounts in currencies, different from Russian roubles, US dollars and euro, commission fees are charged in in the currency of an Account in the amount equivalent to the same commission fee in US dollars at the rate specified by the Bank of Russia at the date of charging the commission fee.

If the amount of commission fee is set as a percentage of the transaction amount and a minimum and / or maximum value of the commission fee is provided, for accounts in currencies, different from Russian roubles, US dollars and euro:

1) minimum and maximum commission fees are charged in Account currency in the amount equivalent to the same commission fee in US dollars (according to the effective Tariffs) at the rate specified by the Bank of Russia:

on the date of executing of a Standing Order;

on the date of executing the Order, filled out in the System;

on the date of filling out Order in a Bank Subdivision.

2) intermediate between the minimum and maximum values commission fee, set as a percentage of the transaction amount will be charged in

the currency of the Account.

3.13. When transferring in a foreign currency other than the currency of the Account, the commission fee is charged in the currency of the Account in an amount equivalent to the amount of the commission fee in US dollars at the rate established by the Bank of Russia:

on the date of execution of the Standing Order;

on the date of executing the Order, filled out in the System;

on the date of filling out Order in a Bank Subdivision.

3.14. If in the course of conversion in accordance with General Terms, Agreement, Tariffs, and Card Use Regulations at the internal rate of the Bank as of a certain date within a relevant day the internal course of the Bank is changed, the Bank shall establish an applicable rate for conversion.

3.15. The Client does hereby agree that the Bank without any additional consent of the Client may directly debit the following amounts from any of the Client’s accounts (effect funds transmission):

the Bank’s fees payable in accordance with the Agreement and the Tariffs;

fees payable to third parties under transactions on the Account;

any interest, penalties, fines, including late payment interest payable by the Client for any overdraft on the account;

taxes which the Bank is obliged to withhold in accordance with the applicable laws of the Russian Federation;

postal, telegraph and other communications expenses and costs of the Bank, resulting from the performance of the Client’s orders;

any funds erroneously remitted to the Client’s account;

the Client’s indebtedness to the Bank relating to any obligations under the Agreements, loan agreements and under any other obligations created by any agreements concluded by the Bank and the Client, from the injury and from other grounds specified in the legislation of the Russian Federation. In this case the Bank may convert funds denominated in a currency other than the currency of the obligation into the currency of the outstanding obligation at the exchange rate of the Bank effective as of the date and time of such conversion;

the Client’s indebtedness under the Agreements, loan agreements the rights whereunder have been assigned by the Bank to third parties;

losses caused to the Bank as a result of the breach by the Client of these General Terms and/or the Card Use Regulations;

funds received on the Account including as a result of operations using Cards or the System or remote banking services to legal entities and individual entrepreneurs ELBRUS Internet, ELBRUS Mobile, ELBA, iELBA, with regard to which the Bank received an application by any other payer, from whose account in the Bank these funds were transmitted, or a statement from the bank of the payer, from the payer's account in which these funds were transmitted, that the payer carried out no operations for transmission of funds to the Client’s Account. The said funds are used for return of funds to the payer or the Bank if the latter has returned funds to the payer from its own means. For implementation of the above said right the Bank may preliminary block a relevant amount on the Client’s Account;

other amounts provided for by the applicable laws of the Russian Federation or the Agreements between the Bank and the Client. The transmission of funds from the Client’s Account for payment of the above-mentioned amounts shall be effected within the framework of noncash transactions by collection order. The Bank may present collection orders to the Client’s Account in application to the above-mentioned amounts. In cases the Bank being the recipient of funds the transmission may be effected under a bank order drawn up by the Bank.

The Client agrees that any third parties to whom the Bank has assigned the rights under Agreements, Loan Agreements, shall have the right to debit the sums of the Client’s Indebtedness to such third parties under the mentioned Agreements, Loan Agreements from any Client’s Account within the framework of noncash transactions by collection order without additional consent of the Client. The above-mentioned third parties may present collection orders to the Client’s Accounts in application to the amounts of the Client’s Indebtedness to such third parties under the mentioned Agreements, Loan Agreements the rights where under were assigned to them by the Bank.

In cases the third parties to whom the Bank has assigned the rights under Agreements, Loan Agreements authorize the Bank to effect the collection and transmission of the funds due to them and payable by the Client the Bank shall debit the funds from the Client’s Account for the purpose of their subsequent transmission to the above-mentioned third parties in order settled in this Clause of the General Terms.

3.16. The Client is informed and agrees that if the Client makes a payment in favour of any third person (Beneficiary) at the Bank Subdivision, through the Raiffeisen Online System, including under an agency agreement, commission or trust agreements or other agreements/Agreements, the Client shall, within 5 Business days after the receipt of such payment, provide the Bank with the information about the Beneficiary according to the sample determined by the Bank (beneficiary’s questionnaire), originals and duly certified copies of documents confirming information specified by the Client in the beneficiary’s questionnaire, as well as a copy of the document based on which the aforesaid payment is made (in particular, a copy of an agency agreement, commission or trust agreement, and/or other agreement/Agreement).

3.16.1. For the purposes of conducting repayment of outstanding debt to the Bank under the Loan Agreements, under the loan agreements secured by a mortgage (pledge of real estate) and/or pledge of rights, as well as for any obligations arising out of any contracts concluded between the Bank and the Client, as a result of the harm caused and from other grounds specified in the legislation of the Russian Federation, the Client hereby instructs the Bank, if necessary, to conduct transfer of the funds from any Client’s Accounts to the Client ’s Account that is used to repay the Loan, as well as the loan secured by a mortgage (pledge of real estate) and/or pledge of rights, as well as other obligations of the Client to the Bank in the amount required for such repayment.



3.17. The Bank shall provide a Statement of Account to the Client upon his/her request for the requested period in accordance with the Tariffs.. An Account Statement may be provided:

in the Bank Subdivision;

through the Bank Information Center in accordance with Section 12 of the General Terms and Conditions;

through the System. In this case, the Account Statement is signed by electronic signature of the Bank employee28. The Account Statement is considered to be a signed with the electronic signature of the Bank employee and equivalent to an Account Statement on paper if it is generated by the Client in the System, has a stamp with the name of the Bank, an indication of the full name of the Bank employee and his/her signature.

3.18. Interest shall accrue at the interest rate (per annum) and with reference to the actual number of days for which the funds have been deposited. The basis of calculation shall be the actual number of days in the calendar year (365 or 366 days, respectively).

3.19. The Bank shall accrue interest to the funds on the Account starting from the day that follows the day of crediting the funds onto the Account and till and including the day of debiting the funds from the Account (the provisions of this clause shall not apply to the Deposit Agreement for which the procedure of interest accrual and payment is stated in Clause 4 of the General Terms).

3.20. The Bank shall accrue interest to the funds on the Account at a rate set forth by the Tariffs currently in force. The interest shall be paid monthly by way of crediting the amount thereof to the aforesaid account (the provisions of this clause shall not apply to the Deposit Agreement for which the procedure of interest accrual and payment is stated in Clause 4 of the General Terms).

3.21. The Bank Account Agreement may be terminated at any time upon a written request of the Client or his/her Authorised Representative, provided that the Client or his/her Authorised Representative arrive to the Bank for that purpose unless otherwise stated in the General Terms. In cases specified by the Bank, the Account may be closed by the Client when contacting the Bank Call Center in accordance with the procedure provided for in Section 12 of the General Terms and Conditions. The Bank closes the Account within the time periods specified in the application submitted by the Client in the form of the Bank.

3.22. If there is no Bank Subdivision in a city in which the Bank Account Agreement was made (including due to optimization actions implemented with regard to Bank Subdivisions), the Client shall be entitled to send to the Bank an application for the termination of the Bank Account Agreement (Account closing) in the manner approved by the Bank. In this case, when an application is sent with regard to the Account in respect of which a Card was issued, no such Card is to be returned to the Bank.

3.23. If no funds are available at the Client’s Account and no Transactions are made for such Account during 2 years, the Bank shal l be entitled to refuse to fulfill the Bank Account Agreement concluded before 01.06.2018 by notice sent to the Client as SMS-message to the Contact mobile phone number of the Client or by written notice sent to the address and/or e-mail address for the delivery of the bank correspondence provided by the Client to the Bank. In this case, transactions made to charge fees, penalties, default interest and other similar amounts due to the Bank shall not be taken into account. If, within 30 days after the notice sent by the Bank, no funds are credited to the Client’s Account, the Bank Account Agreement shall be deemed terminated.

In the absence of funds for 2 (Two) years in the Client's Account and Operations under this Account, the Bank shall be entitled to refuse to perform the Bank Account Agreement concluded after 01.06.2018, having warned the Client about this by sending an SMS message to the Client's Mobile Phone Contact Number or by sending a written notice to the delivery address of the bank correspondence or the registration address or the address of the actual location, or the e-mail address provided by the Client to the Bank. The specified bank account agreement is considered terminated after 2 (two) months from the date of sending by the Bank of such warning, if the Client's Account has not received funds within this period.

3.24. In addition to the events and grounds for termination or refusal to perform the Bank Account Agreement, set forth by the applicable laws of the Russian Federation and valid until 01.06.2018, the Bank may offer the Client to terminate the Bank Account Agreement concluded before 01.06.2018 and to which the said legislation is applied in the event of absence of any Transactions on all of the Client’s accounts with the Bank during one (1) year. For the situation in question, no account shall be taken of the transactions under which the Bank duly debits the amounts of payments in its own favour, fees that the Bank is entitled to, fines, interests and other similar payments. If no reply is received by the Bank within thirty (30) days of the date of such offer, the Client’s consent shall be deemed received by the Bank and the Agreement shall be deemed terminated by the Parties’ agreement.

3.25. The Bank shall be entitled to unilaterally terminate the Bank Account Agreement with the Client in the case of adoption during the calendar year of two or more decisions on the refusal to execute the Client's orders regarding the execution of a transaction on the basis of the Bank having suspicions that the transaction is conducted for the purpose of legalization (laundering) of proceeds of crime or financing of terrorism.

3.26. The Client shall have the right to receive the funds equivalent to the Available Balance, which has been closed pursuant to clause 3.24 of the General Terms above, within three (3) years from the date of termination of the Agreement.

3.27. The Clients’ foreign currency transactions that are subject to currency control shall be carried out provided that the laws on currency regulation in the Russian Federation and currency control are complied with, in particular, provided that the Client submits all the required justifying (supporting) documents (including, but not limited to, documents confirming that individuals are spouses or close relatives, documents confirming the fact of being outside the territory of the Russian Federation, agreements and additions to them, loan agreements with non-residents, information on the expected repatriation periods of foreign currency and (or) the currency of the Russian Federation when granting a loan to a non-resident, the amount of which is equal to or exceeds the amount determined by the Bank of Russia), conforming to the requirements of the regulations of the Bank of Russia, documents, confirmed giving the fact of the transfer of goods (works, services), extracts from reports, bank statements, registration documents, before carrying out the transaction, at the time of debiting funds in Russian Roubles or foreign currency from the Client’s Account (unless otherwise stated by the applicable laws of the Russian Federation or the Bank’s internal procedures). The Orders signed by the One-time Password shall be accompanied by supporting documents to be submitted by the Client to the relevant Subdivision of the Bank for carrying out a foreign currency transaction.

When crediting funds to the Client’s (resident’s) Account with a non-resident, for repaying a loan, making interest and other payments under a loan agreement concluded with a non-resident, the Client submits to the Bank information on the purpose of such payment and on the loan agreement funds in the amount and within the time limits established by the regulations of the Bank of Russia, by one of the following methods.

The Client is entitled to provide the Bank with justification (confirmation) documents and information in any of the following ways:

28The service is provided from technical implementation.



Through the placement in the System29, 30 of scanned copies of justification (confirmation) documents by signing the Simple Electronic Signature Key with Hash Code in accordance with clause 10.2.15 of the General Terms.

On paper to the correspondent Bank Subdivision prior to the completion of currency operation.

3.28. If the Client has the Account(s) with balances in the currency (-ies) out of circulation, the Bank converts the funds held on the said Account(s) to USD or EUR at the Bank’s rate as of the date of conversion, and transfers the converted funds to the Client’s Account(s) opened in USD or EUR, and in the event that the Client does not have an Account in USD and EUR, the Bank opens an Account in EUR and transfers the converted funds to this Account. Upon completion of the transactions specified in this clause, the Bank closes the Account(s) in the currency (-ies) out of circulation.

3.29. In the event of termination of the Bank Account Agreement by the Client, the Bank shall, no later than seven (7) calendar days after receiving the relevant written request from the Client, transfer the funds equivalent to the Available Balance, less the commission fees due to the Bank (pursuant to the Tariffs), to a current account specified by the Client, or shall pay such funds in cash through the Bank’s cash desk, unless individual provisions of these General Terms contemplate otherwise.

3.30. The termination of the Bank Account Agreement shall entail the closing of the Client’s current account. Upon the termination of the Bank Account Agreement, the Bank shall cease to accept Orders from the Client, and any amounts received to the Account shall be sent back to the payer’s bank.

3.31. If the Bank needs to return any fractional amounts from the Account using coins in foreign currency, the Bank may return such fractional amount to the Client in the Russian Federation currency at the Bank’s internal exchange rate applicable to such conversion as of the date and time thereof.

3.32. The Bank shall have the right to prepare the Orders on behalf of the Client on the basis of an application filed by the Client (Authorised Representative), which should contain all the details as may be required for transferring funds.

3.33. The Client undertakes to carry out the Account Transactions in the Bank’s Subdivision of the region where the Account has been opened to him or her. Where technical capabilities are in place, certain Account Transactions may be carried out by the Client in Bank Subdivisions of other regions, the Client may obtain information about the possibility of carrying out the Account Transactions in the other Subdivision of the Bank from any of the Bank’s Subdivisions. In the event that the technical capability to provide the service in the region, chosen by the Client, does not exist and the Client wants to receive services in this very region, the Client undertakes to open the Account in one of the Bank’s Subdivisions of the region chosen by him or her. In order to close the Account, the Client undertakes to apply to the Bank’s Subdivision where the Account has been opened to him or her.

3.34. If Bank Subdivision was closedin the city in which the Bank Account Agreement was made (including in connection with the optimization actions performed with regard to the Bank Subdivisions), the Account shall be transferred for maintenance to another Subdivision of the Bank of which the Bank shall notify the Client in any of the ways specified in clause 2.14 of the General Terms. Any subsequent transactions may be only performed if the Client refers to the said Bank Subdivision, unless otherwise provided by these General Terms.

3.35. Repayment of the Client's indebtedness which arose not in connection with the provision or repayment of loan under any loan agreements concluded by the Client and the Bank, including the Unauthorized Overdraft is made before the repayment of the Client's indebtedness, which arose in connection with the provision and / or repayment of loan under any loan agreements concluded by the Client and the Bank, from any of the Client’s Accounts opened with the Bank, with the exception of Deposits of the Client.

3.36. Where several loans have been extended to the Client by the Bank and the Client’s funds are insufficient for the performance of his or obligations under all of the loan agreements concluded with the Bank in full, repayment of the Client's obligations (including, but not exclusively, by writing off the funds from the CLient's Account in accordance with clause 3.15 of the General Terms) is performed in the following order of priority:

1) overdue interest for using the consumer loan; 2) overdue interest for using the automobile loan; 3) overdue interest for using the mortgage loan; 4) overdue principal amount of the consumer loan; 5) overdue principal amount of the automobile loan; 6) overdue principal amount of the mortgage loan; 7) penalty (fines) on overdue interest on consumer loan (applicable to consumer loans issued since July 01, 2014); 8) penalty (fines) on overdue interest on automobile loan (applicable to automobile loans issued since July 01, 2014); 9) penalty (fines) on overdue principal amount of consumer loan (applicable to consumer loans issued since July 01, 2014); 10) penalty (fines) on overdue principal amount of automobile loan (applicable to automobile loans issued since July 01, 2014); 11) interest accrued on overdue principal amount of consumer loan (if applicable); 12) interest accrued on overdue principal amount of automobile loan t (if applicable); 13) interest accrued on overdue principal amount of mortgage loan t (if applicable); 14) interest for using the consumer loan; 15) interest for using the automobile loan; 16) interest for using the mortgage loan; 17) principal amount of the consumer loan; 18) principal amount of the automobile loan; 19) principal amount of the mortgage loan; 20) overdue monthly commission fee (where applicable) for the consumer loan; 21) overdue monthly commission fee (where applicable) for the automobile loan; 22) overdue monthly commission fee (where applicable) for the mortgage loan; 23) monthly commission fee (where applicable) for the consumer loan; 24) monthly commission fee (where applicable) for the automobile loan; 25) monthly commission fee (where applicable) for the mortgage loan; 26) penalty (fines) on overdue interest on consumer loan (applicable to consumer loans issued until June 30, 2014 inclusive);

29 This service is provided following the technical implementation. 30If there is no technical possibility to provide the justification (confirmation) documents through the System, the Clients, which are the holders of the Service Packages "Premium", "Premium 5", "Premium Direct", are entitled to provide the Bank with scanned copies of justification (confirmation) documents certified with Client’s signature or notarized for the currency operation on email address specified by the Bank from the Client’s email address provided to the Bank earlier.



27) penalty (fines) on overdue interest on automobile loan (applicable to automobile loans issued until June 30, 2014 inclusive); 28) penalty (fines) on overdue interest on mortgage loan; 29) penalty (fines) on overdue principal amount of consumer loan (applicable to consumer loans issued until June 30, 2014); 30) penalty (fines) on overdue principal amount of automobile loan (applicable to automobile loans issued until June 30, 2014); 31) penalty (fines) on overdue principal amount of mortgage loan; 32) penalty (fines) on overdue monthly commission fee (where applicable) for the consumer loan; 33) penalty (fines) on overdue monthly commission fee (where applicable) for the automobile loan; 34) penalty (fines) on overdue monthly commission fee (where applicable) for the mortgage loan; 35) legal costs and other expenses of the Bank on debt collection; 36) Bank’s expenses incurred in connection with acquittance under loan agreement execution and/or the realization of the rights of the Bank under any security agreements concluded to secure obligations of the borrower under the loan agreement (applicable to mortgage loans).

3.37. Where several loans of the same type (e.g., two consumer loans), have been extended to the Client by the Bank, and the Client’s funds are insufficient for the performance of his obligations under all of the loan agreements concluded with the Bank in ful l, repayment of the Client's obligations (including, but not exclusively, by writing off the funds from the CLient's Account in accordance with clause 3.15 of the General Terms) is performed with the priority set out in clause 3.36 of the General Terms. In this respect, where the loans are of the same type, the first to be repaid shall be the indebtedness under the loan agreement that had been concluded at an earlier date. If the loans agreements had been concluded on the same date, the Bank will select the loan to be repaid first at its own discretion.

3.38. The Client may have several Accounts to be opened under the Bank Account Agreement made with the Bank at his/her declaration of intent to be recorded in ways to be determined by the Bank. Closure of any of the Accounts by the Client which was opened under the Bank Account Agreement shall not entail the termination of such Bank Account Agreement.

3.39. The Client may file the Client’s declaration of intent for current account opening within the limits of the latest Bank Account Agreement made with the Bank through:

‒ the Bank’s Call Centre, in which case the Client within the phone conversation shall inform the Bank’s employee of the amount and currency of current accounts being opened therefore. Application for a current account opening is prepared according to the provisions of Section 12 of the General Conditions.

‒ the System, in which case the Client, when issuing current account application, shall state all the parameters of the opened current account, including currency. The manner in which the application is verified is determined in Clause 10.2.13 of General Conditions.

‒ the Bank's Website (as part of applying for a Bank Card issue). The Client's application shall be signed by a Simple Electronic Signature Key in accordance with clause 1.66.2 of the General Terms and Conditions.

3.40. When opening an Account for the Client without submission by the Client of a card with autograph signatures and the seal impression:

any transfer of funds from the Account shall be made based on the order of the Client and the Orders required for the performance of the said banking transaction shall be made and signed by the Bank.

the disposal of funds in the Account is carried out using the analogue of the handwritten signature in the manner provided for in clause 1.166 of the General Terms;

the opening of the Account is made for transactions with the use of electronic means of payment.

If the Client at any time later submits to the Bank a card with autograph signatures and the seal impression, the transfer of funds from the Account becomes possible in any ways, as set out in the General Terms and the legislation of the Russian Federation.

3.41. Current accounts may be opened to the Client without the possibility of issuing cards linked thereto31. These current accounts may be opened upon the Client’s personal appeal to the Bank’s Subdivision, as well as in accordance with the procedure provided for in clause 3.39 of the General Terms.

The mode of the current account without the possibility of issuing Card linked thereto can be changed to a mode with the possibility of issuing Card linked thereto, and vice versa (unless the Card linked to the Account was issued), unless otherwise stipulated by the General Terms, Tariffs, Agreement. To change account mode the Client needs:

‒ to submit a written statement,

‒ or to file an application through the Bank Information Centre in accordance with the rules of Section 12 of the General Terms;

‒ To submit an application for changing the current account mode via the System (applicable only if the Current Account Mode with the possibility of issuing a Card to it is changed to a mode without the possibility of issuing a Card to it). In this case, the Client signs an application for changing the regime with a One-time password in accordance with clause 10.2.13 of the General Terms.

The Client has the right to change the type of current account without the possibility of issuing a Card to it by contacting the Bank:

‒ in the Bank Subdivision with a written application on changing the type of current account without the possibility of issuing a Card to it;

‒ through the System. In this case, the Client signs an application for changing the type of current account without the possibil ity of issuing a Card to it with a One-time password.

In certain cases, the Bank has the right to change the mode of the Client’s current account on the terms and in accordance with the procedure provided for in the Tariffs/Tariffs for Payroll Clients.

In order to credit Budget payments to the Client, a Budget Account may be opened, including in the manner provided for in clause 3.39 of the General Terms. The mode of the Budget account can be changed to the mode of the current account with the possibility of issuing Visa International / MasterCard International Payment System Cards to it or to the mode of the current account without the possibility of issuing any Cards to it and vice versa, for which the Client must contact the Bank's Division with written application or submit an application through the Bank Call Center in accordance with the rules of Section 12 of the General Terms. These provisions do not limit the Client’s right to receive Budget payments to the current account with any mode, provided that the requirements of paragraph 1.18 of the General Terms are met.

3.42. When a Client receives the Budgetary Payment32 to the Account to which the MasterCard International / Visa International Payment System Card has been issued, the Client instructs the Bank:

31 An account without the possibility of issuing Cards to it cannot be used for crediting wages under the Agreement. 32 The provisions of this paragraph apply from the moment of technical implementation.



if the Client has a Budget Account - to transfer the received Budgetary Payment to this Budget account;

if the Client does not have a Budget Account - to open a Budget Account to him/her and credit it with the received Budget Payment.

The Bank informs the Client about the execution of this order by sending it a notification in the form of an SMS message to the Client's to the Contact mobile telephone number.

3.43. The Bank shall be entitled to set limits for Account Transactions, including those with a Card, the System and Telephone Bank system.

3.44. Standing Orders

3.44.1. The Client may apply for a Standing Order with the Bank’s Subdivision for the following purposes:

transfer / conversion of funds within Bank between the Accounts33 of the same Client;

repayment of the outstanding amount on a Credit Card;

balance maintenance of a current account;

funds transfer from an Account in foreign currency and in Russian roubles.

3.44.2. In the cases described below, the Client may apply for a Standing Order through the Bank’s Call Centre, in this case the Client within the phone conversation shall explain all the terms and conditions of the Standing Order to the Bank’s employee. Filing and confirmation of the Standing Order is fulfilled in accordance with the rules of section 13 of the General Terms.

The Client may apply for Standing Orders through the Bank’s Call Centre for money transfer for the following purposes:

transfer / conversion of funds within Bank between the Accounts33 of the same Client;

repayment of the outstanding amount on a Credit Card;

balance maintenance of a current account;

Deposit replenishment;

partial withdrawal of the sum of a Deposit without termination of the Deposit Agreement;

payment of the insurance premium under the real estate insurance contracts ("box real estate insurance") signed by the Client with Renaissance Insurance Group, Ltd. and/or IC VTB Insurance, Limited;

payment of insurance premium under the voluntary health insurance agreements concluded by the Client with LLC IC Raiffeisen Life.

Possibility to apply for a Standing Order of one of the above types is provided according to the technical abilities.

3.44.3. In case a Standing Order is made through the Call Centre the Client is obliged to ensure the conversation cannot be heard by any third parties. In case of non-performance of the above obligation and in case the call to the Call Centre is made in public and other places in the presence of third parties the Bank takes no responsibility for third parties access to the Client’s personal data.

The Bank reserves the right to reject in making a Standing Order through the Call Centre if there are no updated information with the Bank on the Client’s mobile phone number and/or e-mail address including the case the Bank has the reasons to suppose the mobile phone number and/or e-mail address previously given to the Bank by the Client is not owned by the Client any longer.

3.44.4. In the System34, the Client can issue Standing Orders for the transfer of funds for the following purposes:

- money transfer in roubles of the Russian Federation and in foreign currency within the Bank between Accounts35 of the one Client, including for the purposes of support of balance on current account;

- money transfer from Account in roubles of the Russian Federation; - redemption of the Minimum Payment on a Credit Card (through regular transfers in Russian rubles between Accounts of the same Client).

In the above cases, the Client signs a Standing Order with a One-Time Password. If it is technically possible, a Standing Order for transferring funds for the purpose of paying the insurance premium under voluntary health insurance contracts concluded by the Client with LLC Raiffeisen Life Insurance Company and other Bank partners — insurance companies can be issued in the System. In this case, the Client signs the Standing Order with a simple electronic signature using the Key of a simple electronic signature with a Hash code in accordance with clause 10.2.15 of the General Terms.

3.44.5. The Client is entitled to cancel the Standing Order. For this purpose the Client submits to the Bank an Application on Standing Order cancellation. The application on Standing Order cancellation can be submitted by the Client:

- in the Bank’s Subdivision; - through the Bank’s Call Centre similar to the named in cl.3.44.2 of the General Terms (applicable to the types of Standing Orders referred to in cl.3.44.2 of the General Terms); - in the System, under procedure outlined in cl. 3.44.4 of the General Terms and it is certified by a One-time Password (applicable to the types of Standing Orders referred to in cl. 3.44.4 of the General Terms); The Bank fulfills the application on Standing Order cancellation as of the date of Client’s application. If the Standing Order cancellation falls on the date of fulfillment of Standing Order, the Bank executes payments directed on execution prior to the moment of accept and fulfillment of application on Standing Order cancellation by the Bank.

3.44.6. The Standing Order shall cease to be effective if:

the Client files an application for the cancellation of the Standing Order;

the term of the Standing Order expires;

the Bank receives information about the Client’s death;

any Account (one of the Accounts) specified in the Standing Order is closed;

the Deposit Agreement specified in a Standing Order and executed between the Bank and the Client (applicable to the Standing Orders executed to the Deposit Account) terminates;

there are no transfer of funds in accordance with Standing order for thirteen consecutive months from the date the Standing order was made;

If an error in money transfer details has been found, including cases of changes in requirements set out in the normative documents of the Bank of Russia related to filling in the bank transfer order (another Order) during the validity term of the Standing order;

if the BIC of the beneficiary's bank is no longer present in the All-Russian Directory of the BIC of the Russian Federation (for ruble transfers) / SWIFT is no longer present in the SWIFT directory of codes of foreign banks;

33 Excluding the Deposit Account, starting from 11/15/2017. 34 The name of the service in the System is “Auto Payments”. 35 Excluding the Deposit Account, starting from 11/15/2017.



when changing the name of the recipient of funds for transfers within the Bank;

If the Bank receives information from OOO «SK «Raiffeisen Life» on termination of insurance agreement (applicable for the Standing order set up by the Customer for paying insurance premium under the insurance agreement concluded with OOO «SK «Raiffeisen Life»).

3.44.7. The Client has the right to change the validity term of the Standing Order. An application to change the term of the Standing Order may be submitted by the Client:

‒ in the Bank Division;

‒ through the Information Center of the Bank in the manner similar to that specified in clause 3.44.2 of the General Terms (applicable for the types of Standing Orders indicated in clause 3.44.2 of the General Terms);

‒ in the System (applicable to the types of Standing Orders referred to in paragraph 3.44.4 of the General Terms). The Bank executes the application for changing the term of the Standing Order on the day of the Client's request. If the change in the validity term of the Standing Order falls on the date of execution of the Standing Order, the Bank shall execute payments sent for execution until the Bank accepts the request to change the validity period of the Standing Order by the Bank.

3.44.8. The Client may apply for a Standing Order whose terms and conditions as well as the procedure of execution can differ from those provided for by the General Terms, being stated in the Standing Order (if available for the Bank).

3.44.9. The first transaction under a Standing Order cannot be carried out on the date being earlier than the Transaction day following the day of acceptance of the Standing Order by the Bank, unless otherwise stated in the General Terms.

3.44.10. If a Standing Order has been set up for transferring funds in a foreign currency to a third-party bank or to accounts of third parties within the Bank, Deposit replenishment, partial withdrawal of the Deposit (without termination of the Deposit Agreement36), then in the event of cash depositing by the Client/ non-cash transfer to the Standing Order’s respective Account on the day of carrying out of the Standing Order, such funds shall not be accounted for in the Available Balance. Where a Standing Order is intended to transfer money in Russian roubles, conversion, Credit card debt payment, maintaining current account balance, transferring funds in a foreign currency between accounts of the same Client the money credited to the Account, to which such Standing Order applies, no later than the deadline for the Bank to execute the Standing Order, which deadline is disclosed on the Bank’s Website, will be accounted on the Available Balance on such Standing Order execution date.

3.44.11. The Standing Order is executed on the date of executing the Standing Order as many times as the conditions for its execution stipulated in this Standing Order are met.

3.44.12. In case of insufficiency of funds on the Account for execution of the Standing Order with a mode of execution according to the schedule, the Bank makes repeated attempts to execute such Standing Order within 3 (Three) Business Days in a row (for Standing Orders executed through the System) / within the number of days specified by the Client in the Standing Order (for Standing Orders executed in the Bank's Subdivision or through the Bank's Call Centre. Standing orders for the purpose of repayment of the Credit Card debt, in which the payment of the Minimum payment for the Credit Card / Indebtedness as of the date of issue / General Credit Card debt is indicated as the payment amount, are postponed to the current Minimum Payment / type of credit card debt.

3.44.13. Where the date of the transfer of funds in accordance with the Standing Order falls on a non-Transaction Day, the next payment under the Standing Order shall be effected by the Bank no later than the next Transaction Day after the date (event) stated by the Client in the Standing Order. If the date (event) stated by the Client in the Standing Order, falls on a day that the respective month does not have, the transfer of funds from the Account under such Standing Order shall be made by the Bank on the last Transaction Day of the month.

3.44.14. Where the date of execution of the Standing Order for the purpose of replenishment / partial withdrawal of the sum of the Deposit36 coincides with the date of prolongation of the Deposit, then the Standing Order shall be executed not later than on the following Transaction Day, at the same time it is mandatory to fulfil the conditions stated in the Standing Order and the General Terms.

3.44.15. In case in accordance with the terms specified in the Standing Order the Bank executes the Standing Order not later than on the following day after the any receipt of the funds at the Standing Order’s respective Account37, then the latter shall be fulfilled upon any crediting to the Account to which the Standing Order is executed except for the following:

crediting of loan amount received from a Bank;

crediting of the amount of interest accrued to the balance of the Account (if applicable);

crediting of the funds incorrectly written-off from the Account earlier;

crediting to the Account of any amounts from the Deposit Account36 (applicable for Standing Orders issued for the purpose of transferring funds in Russian rubles).

3.44.16. If, in accordance with the conditions specified in the Standing Order, the Bank executes the Standing Order on the salary crediting event, the Standing Order is executed both when salary is credited from the employer of the Salary Client and when another payment is credited to the Account with payment designation indicating salary transfer (the latter is applicable to ruble transfers).

3.44.17. If several Standing Orders of the Client have to be executed on the same day, then the sequence of the execution of the Standing Orders shall be defined by the Bank independently.

3.44.18. If on the day of the Standing Order execution there are no sufficient funds on the Client’s Account from which the transfer / conversion is to be executed, then the Bank shall not execute this Standing Order. The exception is the Standing Orders executed for repayment of debt at the Credit Card, for which the sum of transfer equals to the Minimum payment under the Credit Card, of the Grace Period Indebtedness or Total Loan Indebtedness. For such Standing Orders, in case the balance of the Account is not sufficient to execute completely such orders, the Bank shall perform partial payment in the amount of the Available Balance. In case of failure to execute the Standing Order, the following transfer of funds shall be fulfilled in accordance with the procedure of identification of the transfer date specified in the Standing Order.

3.44.19. If the amount of transfer calculated in accordance with conditions set forth in the Standing Order exceeds the maximum amount of transfer established by Tariffs or specified in the Standing Order, then the amount of transfer on the Standing Order shall be the least of the said amounts.

3.44.20. The Standing Order shall not be fulfilled by the Bank, if the sum of transfer calculated in accordance with the terms specified in the Standing Order is less than the minimum sum of transfer under the Standing Orders as specified in the Tariffs (if applicable).

3.44.21. When transferring funds between the Client’s Accounts opened in the different currencies or if the transfer currency in accordance

36 Applicable for Standing Orders issued before 11/15/2017. 37 If it is technically possible the Bank executes the Standing order on the day of receipt of funds on the Account.



with the Standing order is different from the currency of the Account, the Bank shall convert the funds at the Bank’s internal rate effect ive as of the date and time of the Standing Order execution.

3.44.22. The Bank reserves the right not to carry out the Client’s Standing Order in the event that the Bank receives documents stating that the funds on the Account are under attachment (attachment of Account) if not arrested funds are insufficient for execution of a Standing order as well as information on the introduction of bankruptcy proceedings against the Client.

3.44.23. The specifics of carrying out the Standing Orders, stated in Clause 3.44.8 of the General Terms, may be provided for by the Standing Order.

3.44.24. In the event of any change of the details of the accounts opened with the Bank which accounts are specified in the Standing Oder by virtue of the requirements of the RF law, including regulatory acts of the Bank of Russia, measures implemented in order to optimize Bank’s sub-divisions, the Client shall order the Bank to comply with the Standing Order in accordance with the changed details of the accounts.

4. Placement and Repayment of Fixed-Term Deposits

4.1. The Client has the right to open an unlimited number of Bank Deposits, unless otherwise stipulated by the Rates.

4.2. Transfer of funds from the Deposit Account can be done on the basis of the Client's application, and the Orders necessary for transactions shall be drawn up and signed by the Bank.

4.3. When concluding Deposit agreements, the savings book is not issued to the Client.

4.4. Terms of transactions from/to Deposit Accounts are governed by the current Russian legislation, the General Conditions, Deposit Agreement and Rates.

4.5. All operations with the Deposit (including the opening of the Deposit, Deposit replenishment, prolongation of the Deposit, full and partial reclamation of the Deposit) are carried out respectively by wire transfer of funds to the Deposit Account from the Client's current account with the Bank and by transferring funds from the Deposit Account to the current account of the Client in the Bank. The current account, for the purposes of this section of the General Conditions, refers to the current account opened by the Client with the Bank in the currency of the Deposit, from which the Client shall transfer the Deposit amount to the Deposit Account at the conclusion of the Deposit Agreement / replenishment of the Deposit38, and to which the bank pays interest during the term of the Deposit (as foreseen by the terms of the Deposit Agreement) and transfers the Deposit amount and accrued interest at the return of Deposit.

4.6. An application for opening a Deposit in the System can be signed in one of the following ways:

4.6.1. with a One-Time Password, or

4.6.2. by a simple electronic signature using the Simple Electronic Signature Key with a Hash Code in accordance with clause 10.2.15 of the General Terms and Conditions.

The method of signing the application for opening a Deposit is determined by the Bank and communicated to the Client in the System before signing the document.

4.7. In cases specified by the Bank, a Deposit Agreement with the Client may be concluded through the Bank Call Center39. In this case, the Deposit Agreement is concluded when the Client contacts the Bank Information Center to file an oral application for opening a Deposit. In this case, the Client provide the Bank employee with the following information about the Deposit in accordance with the Tarif fs: its name, amount/currency, term, current Account, the funds from which should be transferred to the Deposit (if there are several such Accounts), the option chosen by the Client regarding the procedure for paying interest/the need to prolong the Deposit (if applicable), and also provides the Bank with the Client’s Order on the transfer of funds from his/her current Account to the Deposit Account.

4.8. The money is paid into the Deposit by the Client on the day of filing an application for opening a Deposit to the Bank in the form established by the Bank (signing a Deposit Agreement by it). In case no money has been paid into the Deposit Account within the specified term, the Deposit Agreement is not concluded.

4.9. The Deposit term starts on the day following the day of receipt of the Deposit amount as specified in the Deposit Agreement.

4.10. The conditions of the relevant Deposit can set forth the Maximum and the Minimum Deposit Amount, as well as the possibility to partially withdraw the Deposit without termination of the Deposit Agreement (up to the Minimum Balance) and the possibility of its replenishment.

4.11. If the terms of the Deposit foresee the possibility of replenishment, the top-up of the Deposit amount is made by filing an application for the replenishment of the deposit in accordance with the procedure provided for in Sec. 4.17 of the General Conditions. This application contains, among other things, an Order for the transfer of the amount of the additional contribution from the current account of the Client to the Deposit Account. It is possible to replenish the Deposit not earlier than on the Business Day following the date of conclusion of the Deposit Agreement / prolongation of the Deposit, unless otherwise stipulated by the Rates.

4.12. If the terms of the Deposit foresee the possibility of partial withdrawal of the Deposit without termination of the Deposit Agreement, then this partial withdrawal is done by submitting a request by the Client for a partial withdrawal of the Deposit in the manner prescribed by par. 4.17of the General Conditions. This request contains the order to transfer funds to the Deposit Account from the current account of the Client. Partial withdrawal of the Deposit without termination of the Deposit Agreement is possible not earlier than on the Business Day following the date of conclusion of the Deposit Agreement / prolongation of the Deposit, unless otherwise stipulated by the Rates.

4.13. If the terms of the Deposit foresee the possibility of prolongation of the Deposit, the Client can choose the preferred option (“with / without prolongation of the Deposit") in the Deposit Agreement upon its conclusion. The Client has the right during the term of the Deposit, but not later than the day before it expires, to change the previously selected option by submitting a request in the manner prescribed by par. 4.17 of the General Conditions. The acceptance of the Client’s above-mentioned application by the Bank cancels the previous Client’s statements with respect to prolongation/ non-prolongation deposits indicated in the Deposit Agreement or a separate statement of the Client.

4.13.1. If at the conclusion of the Deposit Agreement the Client chose the possibility of prolongation of the Deposit with compounding interest to the amount of the prolonged Deposit, then subsequently when applying for prolongation the Client can only select this option of prolongation

38 Deposit replenishment in the Raiffeisen-Online System can be made from any current account opened with the Bank in the Deposit currency, including from current account without the possibility of issuing cards to it, as well as from any current account of the Authorized Representative, if he has the authority from the Client to perform Deposit replenishment operations. 39 Information on such opportunity can be provided in the Bank Information Center. Applicable in relation to persons who are already Clients of the Bank. In this case, the Deposit Agreement in writing is concluded by recording a telephone conversation between the Client and an employee of the Bank Information Center. The Deposit Agreement is not executed on paper. If necessary, the Client can receive a written confirmation of the conclusion of the Deposit Agreement at the Bank Office.



of the Deposit for the new term.

If at the conclusion of the Deposit Agreement the Client chose the possibility of prolongation of the Deposit with interest payment on the current account of the Client, then subsequently when applying for prolongation the Client can only select this option of prolongation of the Deposit for the new term.

Prolongation of Deposit for a new term is executed by the Bank on the date following the date of expiry of the Deposit Agreement.

4.13.2. Prolongation of the Deposit may not be carried out if:

− The Client's current account with the Bank is closed, or − the current account of the Client with the Bank (the Client's funds in the account) has been seized at the request of the authorized state bodies (officials) in such amount that does not allow to proceed with the prolongation of the Deposit (applicable for situations where the Deposit Agreement does not provide for partial withdrawal of the Deposit without termination of the Deposit Agreement, or when the amount of the Deposit, as a result of the seizure of the Client's funds, becomes less than the Minimum Deposit Amount or Minimum Balance stipulated by the Rates) or − the Bank received payment (settlement) documents for recovery of money from the current / deposit accounts, and these documents have not been executed by the Bank. In this case, the Deposit Agreement shall be deemed terminated.

4.13.3. If at the expiration date of the Deposit term:

opening of Deposits of this type was discontinued by the Bank, including separate divisions of the Bank, where the Deposit Agreement was concluded, in connection with the ongoing activities to optimize the operation of the Bank Division, or

the opening of Deposits of this type for the period indicated in the Deposit Agreement was discontinued or

opening of Deposits in foreign currency (a currency) for this type of Deposit was discontinued, or

the amount of the Deposit is less than the Minimum Deposit Amount or Minimum Balance set out in the Rates, then at the end of the Deposit term the Bank is entitled not to roll over the Deposit, return the Deposit and the accrued interest to the Client to its current account; in this case, the Deposit Agreement shall be deemed terminated from the date of the return.

In case of failure of the Bank to complete the above actions and with the instructions from the Client with respect to prolongation, as expressed in the Deposit Agreement or a separate statement, the Client’s Deposit is considered to be prolonged (extended) in the manner specified in cl. 4.13 of the General Conditions.

4.14. Interest shall accrue to the deposit amount with reference to the number of calendar days in a month and in a year, starting from the date following the date of crediting funds to the Deposit Account till and including the date of repayment of the deposit to the Client or, in the event of the deposit withdrawal for any other grounds, till and including the date of such withdrawal.

4.15. In the event that that the date of interest payment, stated by the Deposit Agreement, falls on a month that has no such date, interest shall be paid on the last calendar day of that month.

4.16. In the event that the date of interest payment, stated by the Deposit Agreement, falls on a non-Business Day, interest shall be paid on the next Business Day following the date of interest payment.

4.17. Unless otherwise stated by the General Terms, the will of the Client for an operation to replenish the Deposit / partially withdraw the Deposit without termination of the Deposit Agreement / selection options "with prolongation / without prolongation of the Deposit" can be expressed by supplying by the Client an application to the Bank Subdivision (according to the Bank form), or the Information Center of the Bank in accordance Section 13 of the General Terms.

Clients of the Private Banking category (Private Banking Service), as well as Clients who are holders of the Premium / Premium 5 / Premium Direct Service Package, are entitled to submit an application for the Deposit prolongation via the System. In this case, the application is signed by the Client with a simple electronic signature using the Simple Electronic Signature Key with a Hash Code in accordance with 10.2.15 of the General Terms.

4.18. In case the terms and conditions of deposit stipulate that the Client enters into a Deposit Agreement to the advantage of any third person the provisions of the General Conditions apply to such Deposit Agreement in part not contradictory to the provisions of such Deposit Agreement and the Tariffs thereunder.

4.19. The Client has the right to terminate the Deposit Agreement ahead of time by applying with a written application to the Bank's Subdivision

unless otherwise stated by the General Terms.

If the Client is a Client of the Private Banking category (personal banking service), a holder of the Premium / Premium 5 / Premium Direct service package, as well as in the absence of the Bank’s Subdivision in the city in which the Bank Account Agreement was concluded (including in connection with the measures taken to optimize the Bank's Divisions), and in other cases, as agreed with the Bank, the Client are entitled to submit an application for termination of the Deposit Agreement via the System. In this case, the application is signed by the Client with a simple electronic signature using the Simple Electronic Signature Key with a Hash Code in accordance with 10.2.15 of the General Terms.

4.20. In case of inheritance of rights under the Deposit by several successors of the Client from the moment one of the heirs has claimed their share of the Deposit in such a way that the Deposit amount becomes less than the Minimum balance, the Deposit Agreement is terminated.

5. Procedure and Terms of execution of Account Transactions

5.1. The Bank shall provide the Client with information on the Client’s payment details in any of the Bank’s Subdivisions and in case the Client contacts the Bank’s Call Centre in accordance with Clause 12 of the General Terms.

5.2. The Client can receive information on the Bank’s payment details in any of the Bank’s Subdivisions, on the Bank’s Website, and by way of contacting the Bank’s Call Centre in accordance with Clause 12 of the General Terms.

5.3. Prior to the transfer of funds the Client can contact the Bank employee for the explanation of the conditions of funds transfer.

5.4. Upon receipt of an Order for execution, an additional procedure for receiving the Order for execution is introduced: control of presence / absence of signs of OWCC, which is carried out by the Bank by checking the presence or absence of the signs of OWCC relative to specific Order. If in the course of this procedure, the Bank identifies any Signs of OWCC such Orders will not be accepted by the Bank for execution, and the customer is notified thereof not later than on the next Business Day.

5.5. Upon execution of the Order, an additional procedure for executing the Order is introduced: control of the presence / absence of signs of OWCC, which is carried out by the Bank by checking the presence or absence of signs of OWCC relative to specific Order. If in the course of this procedure, the Bank identifies any Signs of OWCC:



5.5.1. execution of the Transaction on the Account (Card Transactions, Transfers between bank cards) under such Order before the funds are debited from the Account shall be suspended by the Bank for a period of 2 (Two) Business Days. For the same period, the Bank shall perform Blocking of the Card and / or Blocking of the System if the OWCC is performed by means of the Card and / or in the System;

5.5.2. notifies the Client of this and promptly requests from the Client confirmation of the resumption of the execution of the Order by any (from the Bank's choice) of the ways indicated and accessible to the Bank: a phone call to the Contact Number, an e-mail to the Client's e-mail address, the SMS, and / or push notification;

5.5.3. provides the Client with recommendations on reducing the risks of re-implementation of the OWCC by placing such recommendations on the Bank's Website and indicating that it is necessary to read these recommendations in the message / notification sent by the Bank in accordance with clause 5.5.2 of the General Conditions.

The Client can notify his confirmation of the resumption of the execution of the Order by contacting the Bank's Subdivision personally or through the Bank's Call Center. Upon receipt of such confirmation from the Client, the Bank shall immediately resume the Operation of the Account (Card Operations, Transfers between bank accounts) and remove the Card Blocking and / or System Lock (if such blockings existed).

If no confirmation has been received from the Client, the Bank resumes the Operation of the Account (Card Transactions, Transfers between bank accounts) and removes the Card Blocking and / or System Blocking (if such blokings exist) after the time specified in clause 5.5.1 of the General Conditions.

5.6. The Bank shall have the right to or reject the Client’s/another Card Holder’s Order to conduct an Account Transaction (except for transactions on crediting the funds transferred to the Client's Account), in the event there is a suspicion that this Transaction is carried out in order to legalize (launder) proceeds of crime, or to finance terrorism, until the Client, another Card Holder provides the required supporting documents. The Client/ another Card Holder shall authorise the Bank to refuse, after a preliminary warning, to accept from the Client/ another Card Holder his Orders, signed by the Client’s/ another Card Holder’s One-time Password, in case there is a suspicion that this Transaction is carried out in order to legalize (launder) proceeds of crime, or to finance terrorism. In such an instance, the Client/ another Card Holder undertakes to submit, upon the Bank’s request, duly executed Orders in a hard copy.

5.7. In the event that the currency of an Account Transaction being carried out differs from the currency of the Account, the amount of the Account Transaction shall be converted into the currency of the Account at the exchange rate of the Bank effective as of the time and date of carrying out the Account Transaction by the Bank, unless otherwise stated by the provisions of these General Terms and/or Tariffs. The same rate is applied when for conducting Account Transactions it is needed to pre-convert an amount of Account Transaction in other currency, in which cashless transfer of funds will be carried out.

5.8. Conversion operations are carried out:

at the internal Bank rate specified at the date and the time of carrying out the Standing Order;

at the internal Bank rate specified at the date and the time of carrying out the claim for conversion operation in a Bank

Subdivision or through the System.

The Bank is entitled to set special currency exchange rates within the System depending on the amount subject to conversion, on availability of connected service package with the Client, on total amount of conversion transactions effected by the Client within a certain period (day, month, etc.), on other conditions.

5.9. Conversion operations are carried out only between Accounts of the same Client opened within the same Bank subdivision. The Bank shall not be liable for untimely crediting funds to the Account, which took place through the fault of other banks taking part in effecting the payment, as well as for the Client’s expenses arising from the payment details (instructions) provided by the Client and/or third parties, including the fees payable to other banks (credit organisations) taking part in effecting the payment.

5.10. The Bank shall credit funds to the Account on the date no later than the next Transaction Day following the date of receipt of the relevant Order if such Order contains correct payment details and complies with the applicable laws of the Russian Federation except for the case specified in clause 5.11 of the General Conditions.

5.10.1. In order to prevent Clients from engaging in illegal actions, the Bank has the right to refuse to transfer funds to the Client’s account in cases when the Bank has suspicions that the operation being performed may be related to violation of the legislation of the Russian Federation.

5.11. If the Bank receives the Notice of Suspension prior to crediting funds to the Client's Account, the Bank shall:

5.11.1. suspend the transfer of funds to the Customer's Account on the order specified in the Notice of Suspension, for 5 (Five) Business Days from the receipt of such notice;

5.11.2. immediately notify the Client who is the recipient of these funds, of such suspension, as well as of the need to submit to the Bank documents confirming the validity of receipt of the transferred funds. Such notification shall be forwarded to the Client by any means (at the option of the Bank) from the methods and ways available to the Bank: a telephone call to the Contact Number, an e-mail to the Client's e-mail address available from the Bank, an SMS message and / or a Push notification.

In the event that the Client submits to the Bank the documents specified in clause 5.11.2 of the General Terms, within the period specified in clause 5.11.1 of the General Terms, the Bank shall credit funds to the Client's Account.

In the event that the Customer fails to provide the Bank with the documents specified in clause 5.11.2 of the General Conditions, within the period specified in clause 5.11.1 of the General Terms, the Bank shall refund monetary funds to the credit institution from which the Notice of Suspension was received for their subsequent transfer to the account of the payer - a legal entity. Such a refund shall be made by the Bank no later than 2 (Two) Business Days after the expiration of the period specified in clause 5.11.1 of the General Terms.

In the event that the Bank receives the Notice of Suspension after the funds are credited to the Client's Account, the Bank sends a notice to the credit institution from which the notice has been received about the impossibility of suspending the transfer of funds to the Customer's Account in the form and in the manner prescribed by the Bank of Russia.

5.12. To avoid non-crediting / untimely crediting funds to the Account the Client shall present to his/her counterparties the payment details of the Account granted by the Bank at entering into the Agreement.

(a) The Client’s Account number and the Client’s full name (if not being contrary to national custom) indicated in the Order are fully equal to

the respective details of the Client with the Bank In case of distortion or permissible discrepancy of the Client's full name as the recipient of the

Order, the Bank checks the compliance of the Account number and the Client's Tax ID and the Client's date of birth.



(b) If the Client’s details indicated in the order do not correspond to the respective details of the Client with the Bank the latter is entitled:

5.13. The funds are credited to the Account when making a payment using bank details in accordance with the following procedure.

The funds in Russian rubles received in favour of the Client (including as part of orders for the total amount with the register) shall be credited by the Bank to the Account no later than on the next Transaction Day after the Bank receives a relevant order subject to the following conditions:

a) there is a full compliance of the Client Account number and the name of the Client (unless the national custom otherwise requires) specified in the order with the data held by the Bank. In case of distortion or permissible discrepancy of the name of the Client as a beneficiary in the order, the Bank shall verify the compliance of the Account number and the TIN of the Client, as well as the date of birth of the Client; b) if the Client's bank details specified in the order do not comply with the data of the Client's bank details with the Bank, the Bank shall be entitled to:

return such funds to the payer's bank no later than on the Transaction Day following the day they were received on the Bank's correspondent account;

at its discretion, but no later than on the Transaction Day following the day the order was received, send a request to the payer bank to clarify the details of the transfer (the Client's Account number and name of the Client, as well as the TIN of the Client and the date of birth of the Client).

5.14. The funds are credited to the Account when making a payment using the Identifier, namely: by phone number or Card number, in accordance with the procedure outlined below. The Client - the recipient of funds expresses his consent to the use of the Identifier and the crediting of funds to his Account by Identifier:

5.14.1. Transfers by phone number:

a) The funds are credited to the Account based on the information about the beneficiary of the funds determined by regulations of the Bank of Russia, including the information about the Identifier.

Crediting funds under the indicated procedure is available to the Clients who have the option “transfers by phone number” enabled in the System. If necessary, the Client can disable this option or reconnect to it in the System.

b) In advance in the System, the Client may:

choose an Account to which funds will be credited (main Account);

set AO Raiffeisenbank as the Default Bank for transfers through the Express Payment Service. The setting the Default Bank is confirmed by the Client in the System by entering a One-Time Password generated and sent to the Client by NSPC JSC.

c) if the Client selected the main Account, the funds are credited to it. If the main Account is not selected and the Client has several Accounts, the funds are credited to the Account, which is determined as follows:

current account with the last active Transaction - if there is no such account,

to any current account without the possibility of issuing Cards to it - if there is no such account,

any Credit Card account. d) transfers are credited to the Account in real time; e) If the Client does not wish to receive the above transfers, he/she shall notify the Bank about this in the following ways: by disabling the appropriate option in the System or by personal contact of the Bank Office40. In the future, the Client can change his/her decision in the following ways: by choosing the appropriate option in the System or by personal contact of the Bank Office41. f) for the purpose of transferring funds in his/her favor using the Identifier, the Client - beneficiary of funds hereby expresses his/her consent to the transfer of information about him/her to the following persons: when making transfers between the Bank’s Clients - to the payer, when transferring using the Express Payment Service - NSPC JSC, to the members of the Express Payment Service, to the clients of the members of the Express Payment Service (to the payer under the transaction);

5.14.2. Transfers by Card number

Funds received in favour of the Client within the framework of social support (assistance) in accordance with the Government Decree of April 3, 2020 N 433 “On approval of the Regulation on the provision of social support (assistance) to Russian citizens who are in the territory of a foreign state and are not able to return to the Russian Federation in connection with the spread of a new coronavirus infection ”, shall be credited by the Bank to the Account no later than the next Operational day after the Bank receives the relevant order, subject to full compliance of the number of the Card and the Client's name (unless the national custom otherwise requires), specified in the order, with the data available to the Bank.

5.15. The Bank shall have the right not to credit funds in foreign currency in the event that their crediting to the Account is impossible because of insufficiency, inaccuracy or incorrectness of the payment details stated in the order. An investigation of the transaction for crediting funds in foreign currency to the Account for the above reasons cannot exceed twelve (12) calendar days.

5.16. Upon crediting to the Bank's correspondent account of the funds to repay the overdue or current debts under the Loan Agreement in the amount exceeding the amount of such debts under this Loan Agreement, the Borrower shall instruct the Bank to transfer the amount remaining after repayment of the said debts to any current account of the Borrower opened with the Bank42.

5.17. The funds credited in a non-cash form / deposited in cash to the Account shall be included in the Available Balance no later than the next Transaction Day from the day of crediting the funds to the Account. The exception shall be crediting funds through the Bank’s Cash-in ATM and POS-terminal installed at the Bank’s Sub-division, crediting funds in a non-cash form by Transfers between Cards, crediting funds through the Transfer Service, as well as the crediting funds sent by the Fast Payment Service. In this case, the Bank shall include funds in the Available Balance “in real time”. The Client may use the contributed/transferred amount, included in the Available Balance, only to carry out transactions on the Card until the funds are credited to the Account. .

5.18. The funds deposited in cash through the Bank’s Cash-in ATM and POS-terminal installed at the Bank’s Sub-division and funds credited in a non-cash form by Instant Transfers between Cards or via Transfer Service shall be recorded on the Account no later than the next Transaction Day from the day of contribution/transfer.

5.19. The Bank shall have the right to return funds to the sender’s bank:

40The service is available from its technical implementation. 41The service is available from its technical implementation.

42 The provision shall not apply when conducting repayment of the debts under the Loan Agreement for the account of the funds received from the maternity (family) capital.



if following the investigation, there are grounds for the funds to be returned to the sender’s bank;

upon the expiry of the times for the investigation of a crediting transaction, if the investigation does not result in crediting the funds to the Account; or

if the funds received are equal to or less than the fee charged by the Bank for carrying out the Account Transaction.

5.20. The Bank shall credit the funds returned from the beneficiary bank in the manner and within the times stated in clause 5.10 of this Clause. If the currency of the Account Transaction differs from the currency of the Account, the Bank shall credit the Account at the exchange rate of the Bank effective as of the time and date of carrying out a transaction for debiting the Account, unless otherwise stated in specific provisions of these General Terms or Tariffs.

5.21. Unless otherwise provided by the General Terms, Agreement or agreement between the Bank and the Client the Bank shall debit funds from the Account within Available balance in accordance with the priority of the receipt of orders by the Bank and their acceptance by the Bank.

In case the funds are insufficient for the performance of orders received by the Bank within the accuracy of one minute the Bank shall effect such Payment Documents:

if such orders are of the same priority (the priority being determined under the applicable laws of the Russian Federation) the Bank shall effect such orders in order of increase of order sum;

if such orders are of different priority the Bank shall effect first the orders having the top priority as such priority is determined under the applicable laws of the Russian Federation.

The Bank shall debit funds from the Account pursuant to:

5.21.1. the Order. 5.21.2. Decision of the court and other authorised government bodies. 5.21.3. In other instances provided for by the General Terms, Agreement, and the applicable laws of the Russian Federation.

5.22. Prior to receiving Orders from the Client (or his Personal Representative) for the performance, the Bank shall verify the sufficiency of payment details provided by the Client (or his Personal Representative) to transfer funds. If payment details provided by the Client (or his Personal Representative) do not conform to established requirements, the Bank will not accept such Order for performance and notify the Client on this effect not later on the Business Day following the day of the receipt of the Client’s order.

5.23. Unless otherwise stated by the applicable laws of the Russian Federation or the General Terms the Bank shall honour the Client’s Orders no later than the next Transaction Day following the day of acceptance of a duly executed Order by the Bank.

The Bank shall be entitled to delay the actualization of a Settlement document for the period of not more than 3 Business Days or for the term set forth in a written request of the Bank being a currency control agent in the following cases:

at the request of the Client which, for the execution of a currency operation shall submit to the Bank the supporting documents or additional information;

at the request of the Bank on the necessity for the Client to submit the supporting (evidencing) documents for execution of a currency operation or execution of the currency control documents specified by the legislation of the Russian Federation;

in case of necessity for the Bank to fulfil additional analysis of the supporting documents for the purpose of fulfilment of the currency control agent’s functions by the Bank.

5.24. The Bank shall not be liable for the delay in honouring the Order, including the one prepared in accordance with the application on behalf of the Client (Authorised Representative), if the Account cannot be debited within the times, stated in clause 5.22 of this Clause, because of an error made by the Client/third parties in specifying the payment details.

5.25. In the event that the Account has been debited on the grounds, stated in clauses 5.21.2, 5.21.3 of this Clause, the responsibility for the reasonableness of such debiting shall be borne by the claimant.

5.26. The Bank shall accept Orders from the Client (Authorised Representative) for honouring the same to the extent of the Account Available Balance to be determined as of the moment of acceptance of the Order. The Bank shall honour the Orders, accepted from the Client (Authorised Representative), to the extent of the Account Available Balance as of the moment that the Order is actually honoured.

5.27. The Client shall ensure that the funds on the Account are disbursed within the Account Available Balance with regard to the need to timely perform the Client’s obligations to the Bank under the existing agreements, unless otherwise stated by the General Terms. Where the disbursement of the funds on the Account gives rise to indebtedness on the Account (including the indebtedness arising from an exchange rate difference or bank fees debited from the Account), the Client shall repay such indebtedness (overspending) to the Bank and pay interest on the relevant amount to the extent and within the times set forth by the Tariffs.

5.28. In order to execute the Order or the Client’s order to withdraw cash from the Account, the Available balance is determined taking into account the obligations to be fulfilled under the agreements concluded between the Bank and the Client at the time of calculating the Available balance. The Client confirms his consent to the execution of these orders only within the limits of the Available balance, taking into account the amounts of obligations unfulfilled by the Client.

5.29. The Bank shall have the right not to accept the Client’s Orders on the transfer of the Account funds or cash withdrawal from the Account to the extent of the Client’s non-performed obligations during forty (40) calendar days, if:

the Bank Card has been returned to the Bank, starting from the date of return;

the Card’s period of validity has expired, starting from the first day of the month following the last month of the Card’s period of validity;

the Card Account has been closed, starting from the date of the Client’s application for the closing of the Card Account (termination of the Agreement).

In this respect, in the event of origination of indebtedness on the Account, the Bank shall have the right to demand that such indebtedness be repaid, in accordance with clause 5.27 of the General Terms, before the closing of the Account.

5.30. Where several Orders of the Client are to be honoured on the same Transaction Day, these shall be honoured within the times set by the Bank for honouring an Order of the relevant type. The times for honouring by the Bank of the Client’s Orders, which are to be honoured within the same times, shall be dependent on the Order type and the channel through which such Orders come to the Bank.

5.31. Where the Client states an intermediary bank in the Order, Standing Order the Bank shall honour such Order in accordance with the Client’s orders. In the event that proper honouring of this Order, Standing Order is impossible due to the absence/interruption of correspondent relations between the beneficiary bank and the intermediary bank and/or in the event of change of the payment details of the intermediary bank, as well as due to financial standing of the intermediary bank the Bank shall have the right to return this Order, Standing Order not honoured.



If the Client does not specify an intermediary bank in the Order, Standing Order the Bank shall select such a bank on its own using available reference data bases. If the Bank selects an intermediary bank to honour the Order, Standing Order the Bank shall be released from responsibility and may return this Order, Standing Order not honoured if the Bank is not aware of the bank information of the intermediary bank as of the date of honour.

5.32. The Bank shall have the right to return the Client’s Order at any stage without honouring, in the event that:

any errors and discrepancies in payment details are identified;

the document authorising its holder to operate the Account is recognised doubtful;

the Client fails to submit justifying (supporting) documents required for carrying out currency transactions, where this is required by the laws of the Russian Federation;

the Available Balance is insufficient to honour the Order as of the moment of its honouring by the Bank;

an Account Transaction cannot be carried out either because the Account has been closed or the funds thereon are under attachment and the non-seized funds are not sufficient to execute the Instruction;

if the Account Transaction is committed without obtaining the consent of the financial manager in accordance the legislation on bankruptcy of private individuals;

a transaction to be carried out is incompliant with the applicable laws of the Russian Federation;

if in accordance with the requirements of the current legislation, crediting of the client’s transfer to the recipient’s account is not possible.

5.33. The Client shall be entitled to revoke an Order by submitting an application to the Bank Branch43 with a written request made according to the Bank’s form indicating the number, date and amount of the Order, details of the payer, payee, payer’s bank, and payee’s bank. Such application shall be signed with the Client’s own hand. The Bank shall execute the said application and return (cancel) the Order revoked by the Client provided that such request has been filed before debiting of the money from the Client’s Account (i.e. money transfer has not become irrevocable).

5.34. The Client shall be entitled to submit an application to the Bank as regards making adjustments to the bank details of the Instruction previously executed by the Bank or conducting an investigation on the Instruction by applying to the Bank Subdivision with an application made in writing according to the Bank form indicating the number, date, amount of the funds specified in the Instruction, bank details of the payer and the payee, bank of the payer and the payee. Such application shall be signed with the Client’s handwritten signature. In this case, the Bank shall send to the payee's bank the adjustments of bank details of the Instruction previously executed by the Bank.

If the Client is the holder of the Service Package "Premium"/ "Premium 5"/"Premium Direct", the Client shall be entitled:

‒ to contact the Bank Information Centre in accordance with the rules specified in Section 13 of the General Terms for the purpose of making adjustments to the Instruction or conducting an investigation on the Instruction. Such petition shall be accompanied with a mandatory submission of a scanned copy of the application for making adjustments to the bank details of the Instruction previously executed by the Bank or conducting an investigation on the Instruction submitted via email address specified by the Bank not later than the time reported by an employee of the Bank Information Centre. A scanned copy of the specified application shall be equivalent to the application made in hard copy and signed by the Client's handwritten signature. The Bank shall not accept for execution an application for making adjustments to the bank details of the Instruction previously executed by the Bank or conducting an investigation on the Instruction, if such scanned copy of the specified application was sent by the Client via email address specified by the Bank later than the time reported by an employee of the Bank Information Centre.

‒ via the System. In this case, the Client signs an application for making clarifications to the details of the Order executed earlier by the Bank or conducting an investigation on the Order with a One-time password in accordance with clause 10.2.13 of the General Terms.

If the Client is the holder of the Service Package "Premium"/ "Premium 5"/"Premium Direct", as well as in other cases agreed with the Bank, the Client has the right to submit to the Bank an application for entering clarifications into the details of the Order previously executed by the Bank or on conducting an investigation on the Order through the Bank's Information Center In this case the Client must submit the scanned copy of application to revoke the Order submitted to the Bank’s email no later than the time indicated by an employee of the Call Centre. The scanned copy of such revocation is an equivalent of an application on paper signed by the Client. The Bank shall reject an Instruction on revocation where the Client sends its scanned copy to the Bank’s email later than the time indicated by an employee of the Call Centre.

5.35. For transfer of money in foreign currencies to any other credit or other organization the Client shall provide the Bank with the following information on the payee:

full name of the payee’s bank;

an SWIFT code or a national identification code of the recipient’s bank (for example, Sort Code, Routing number and others) depending on the country of the payee’s bank;

address, city and country of the payee’s bank;

if transfers are made to Eurozone countries – number of the payee’s account in the IBAN format (International Bank Account Number). In this regard correctness of the account in the said format and its compliance with international standards are verified via internal systems of the Bank in accordance with international reference books.

All particulars mentioned above (except for account numbers and identification bank codes) shall only contain the symbols permitted for use by SWIFT (Society for Worldwide Interbank Financial Telecommunication): a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / - ? : ()., ' + { }. For identification bank codes can be used only numbers and uppercase letters of the Latin alphabet.

5.36. If the funds are debited from the Client’s Account on the basis of Orders accepted by the Bank in hard copy the Bank shall confirm the execution of Order to the Client no later than the Transaction day following the day of the Order execution by providing the Client with a hard copy of the Order executed by the Bank, bearing the Bank’s stamp “Executed”, the date of execution in the form of DAY-MONTH-YEAR and signature of the authorized representative of the Bank. Such copy of the executed Order shall be provided to the Client at his application to the Bank Subdivision with the respective request and shall be confirmation of the Order execution.

Unless otherwise stated by the General Terms If the funds are debited from the Client’s Account on the basis of Orders in the form of Electronic Document the Bank shall confirm the execution of Order to the Client by notification to the Client via an allocation of an appropriate status to the Order within the System no later than the Transaction day following the day of the Order execution.

5.37. Unless otherwise stated by the General Terms If the funds are credited to the Clients’ Accounts on the basis of the order the Bank

43 Where the Client wishes to revoke the Order on money transfer in roubles submitted on paper to the Bank, the Client shall apply to the Bank Branch where the Order was issued.



shall confirm the execution of such orders to the Clients no later than the Transaction day following the day of the order execution via providing the Client with a hard copy of executed order bearing the Bank’s stamp “Executed”, the date of execution in the form of DAY-MONTH-YEAR and signature of the authorized representative of the Bank. Such copy of the executed order shall be provided to the Client at the application of the Client to the Bank Subdivision with the respective request.

5.38. When making transfers by the Fast Payment Service, the Bank provides information to Clients (the payer — about debiting funds from the Account, the beneficiary — about crediting funds to the Account):

‒ in real time by sending an SMS-notification/ Push-notification to the Client's Contact phone number (if he/she is connected to the Bank for the provision of the Service «Transaction Notification»);

‒ by means of the Account Statement on paper provided to Clients upon their request at the Bank Subdivisions and formed daily;

‒ by posting information about the performed operation in the System - applies to paying Clients.

5.39. If the Client revokes its Order (including any order made by the Client using the Cards, the System, or the Telephone Banking System) under which the Bank has already transferred to the beneficiary the funds required for the performance of such Order, the Client shall indemnify the Bank against expenses incurred by it in an amount of funds transferred by the Bank to the beneficiary. The Bank shall be entitled to charge the said amounts due from the Client to the Bank from the Client’s account in the manner provided in clause 3.6 of the General Terms.

5.40. The Client shall repay Unauthorised overdraft on the day of its occurrence. The Client shall authorise the Bank to have Unauthorised overdraft repaid by directly debiting from the Account as well as from the Client’s other Accounts without additional consent of the Client in the manner prescribed by Cl. 3.15 of the General Terms.

5.41. Payments by the Letter of Credit44,

5.41.1. The Letter of Credit shall be issued and paid for in accordance with the applicable legislation of the Russian Federation. Payments under the Letter of Credit cannot be associated with the Client's entrepreneurial activities. Terms of payment, an amount and validity of the Letter of Credit45, as well as the list, description and requirements for the execution of documents confirming the terms and conditions of payments under the Letter of Credit shall be determined by the Client and specified in the Letter of Credit Opening Application. Partial payments under the Letter of Credit are not allowed.

For opening a Letter of Credit or changing the conditions of a Letter of Credit related to an increase in the amount of the Letter of Credit, the Client pays the Bank a fee in accordance with the Tariffs (if it is provided for by the Tariffs). Commission fee paid by the Client is non-refundable.

5.41.2. To open the Letter of Credit, the Client shall provide the Bank Subdivision with the Letter of Credit Opening Application and main contract (draft of this contract), under which a real estate transaction shall be executed, and the main contract (draft of this agreement), on the basis of which the Client is provided with services for the acquisition of said real estate. If the real estate is acquired by the Client from his own funds, then instead of the main contract (draft of this contract), the Client can provide a preliminary contract of sale (the draft of this contract).

5.41.3. The Bank's obligation to open the Letter of Credit arises from the moment of submitting by the Client of the Letter of Credit Opening Application to the Bank, making payment of the Bank's commission for opening the Letter of Credit (if so provided for by the Bank's Tariffs Policy) and placement of a cash coverage on the Letter of Credit coverage account in the amount not less than the amount of the Letter of Credit specified in the Letter of Credit Opening Application. The Client hereby authorizes the Bank to transfer the funds to the Letter of Credit coverage account in the amount of the Letter of Credit coverage from the Client's current account, details of which shall be specified in the Letter of Credit Opening Application46.

5.41.4. The Bank shall notify the Beneficiary on opening the Letter of Credit, by sending him a notification containing the conditions of the Letter of Credit and the address of the Bank Division, for which the documents on the Letter of Credit are to be submitted. Notification is transmitted in person or via e-mail.

5.41.5. Amendment of the terms and conditions of the Letter of Credit can be carried out electronically using the e-mail addresses of the Bank, the Customer and the Beneficiary, which allows to establish the sender reliably. The following e-mail addresses are used:

e-mail address of the Bank ([email protected]) - any message sent from this e-mail address is considered to be sent by the Bank;

the Client's e-mail address specified by the Client in the Letter of Credit Application and in the Letter of Credit - any message sent from this e-mail address shall be deemed to be sent by the Client;

e-mail address of the Beneficiary (an individual) specified in the application submitted by the Beneficiary to the Bank for confirmation of the e-mail address and in the Letter of Credit - any message sent from this e-mail address is considered to be sent by such Beneficiary;

corporate e-mail address of the Beneficiary47 (legal entity) received by the Bank's employee from the Beneficiary and indicated in the Credit - any message sent from this e-mail address is considered to be sent by such Beneficiary.

5.41.6. Amendment of the terms and conditions of the Letter of Credit can be effected by filing an application with the Client to amend the terms of the Letter of Credit and the Beneficiary's submission of consent with the amended terms of the Letter of Credit:

on paper in the Subdivision of the Bank48;

in electronic form from the e-mail address specified in clause 5.41.5 of the General Conditions in the form of a scan copy of the

44 When the Client purchases real estate at the expense of the Bank's credit funds, the service shall be rendered in all Bank Subdivisions. When the Client purchases real estate at its own expense, as well as when paying a fee for the services for the acquisition of a specified property, the service shall be rendered from the moment of its technical implementation at certain Bank Subdivisions, a list of which the Client can get by contacting the Bank Information Centre. 45 The validity period shall not exceed 365 calendar days. In case the last day of validity of the Letter of Credit falls on the day that is not a Business Day, the day of expiry of the Letter of Credit shall be the nearest Business Day following such day. 46 When the Client purchases real estate at the expense of the Bank's credit funds, the Client's current account, from which the monetary funds will be transferred, shall be specified in the credit agreement. 47 The corporate e-mail address must contain the corporate domain. The use of public email addresses (for example, with @mail.ru, @yandex.ru, @gmail.com, etc.) and / or third-level domains and above is unacceptable. 48 The list of the Bank's Subdivisions, in which it is possible to submit an application for changing the terms of the Letter of Credit / agreement with the amended terms of the Letter of Credit, can be specified in the Call Center of the Bank at 8-800-700 91 00.

mailto:[email protected]



document signed by the Client / Beneficiary to the e-mail address of the Bank specified in clause 5.41.5 of the General Terms49.

5.41.7. An application for a Letter of Credit may stipulate that changing the conditions of a Letter of Credit requires the consent of the person specified in the Application for Letter of Credit, who is not a Recipient.

5.41.8. The Bank shall have the right to use the automatic reproduction of the stamp and / or facsimile reproduction of the signature of the authorized person of the Bank (using mechanical, automatic or other copying means) in documents, notices and notices sent to the Client and the Beneficiary in electronic form as a message from the Bank's email address ([email protected]).

5.41.9. The validity of the Letter of Credit may be extended once until the expiration of the term of the Letter of Credit specified in the Letter of Credit Application, for a period not exceeding 185 (one hundred and eighty-five) calendar days.

5.41.10. If, according to the received executive documents on obligations of the Client, the Bank is obliged to distrain on the Letter of credit coverage, the Bank shall:

‒ execute them, reducing the amount of the Letter of credit coverage by the collecting amount according to the received documents;

‒ inform the Client of the reduction of the amount of the Letter of credit coverage in accordance with the terms of the Letter of credit;

‒ recommend that the Client place the funds on the coverage account in the amount of the collected funds according to the executive documents until submission of the documents for execution of the Letter of credit. If the Client has not followed the recommendation of the Bank until the day of provision of the documents for execution of the Letter of credit, the Bank shall, in accordance with the terms of the Letter of credit, make payment according to the Letter of credit in the amount of the funds available on the account of the Letter of credit coverage as of the date of its execution.

5.41.11. For making payments under the Letter of Credit, during the Letter of Credit validity period and within the time limit for the provision of documents specified in the Letter of Credit50, the Beneficiary shall provide the Bank with the documents specified in the Letter of Credit and confirming the fulfilment of all terms and conditions of the Letter of Credit:

on paper in the Bank Division(-s), indicated in the letter of credit opening notification sent to the Recipient;

In electronic form using the Bank’s email addresses ([email protected]) and the Recipient. The Recipient's email addresses

are:

‒ email address of the Beneficiary (a private individual) indicated in the Letter of Credit or in the Application for amending the terms of

the Letter of Credit - any message sent from this e-mail address is considered to be sent by the Recipient;

‒ corporate e-mail address of the Beneficiary (a legal entity) 51 received by the Bank’s employee from the Beneficiary and indicated in

the Letter of Credit or in the Application for amending the terms of the Letter of Credit — any message sent from this e-mail address

is deemed to be sent by such a Beneficiary.

When providing the documents stipulated by the terms of the Letter of credit in the electronic form to the e-mail address of the Bank ([email protected]), the Beneficiary provides the Bank with a Notice of completion of submission of documents stipulated by the terms of the Letter of credit (hereinafter referred to as the Notice of completion of submission of documents). The Notice of completion of submission of documents shall be deemed an electronic message sent from the e-mail address of the Receiver to the e-mail address of the Bank ([email protected]):

accompanying documents stipulated by the terms of the Letter of credit/the last document out of the documents stipulated by the Letter of credit, and

made in a free form, with its contents unambiguously testimonial of completion of submission of documents by the Receiver according to the Letter of credit.

5.41.12. The period for verification of documents by the Bank shall not exceed five business days following the day of receipt of documents.

5.41.13. The Bank shall verify the documents in accordance with the Letter of Credit Opening Application submitted on paper, signatures and stamps on them (in point of signatures and seals, unless otherwise provided by the terms of the Letter of Credit), as well as establish the absence of any conflicts between the documents only by visual inspection of documents for compliance with the external requirements imposed on such documents in accordance with the terms and conditions of the Letter of Credit and the bank practices for documents verification. In case of providing the Bank with the documents containing fake (forged) seals, signatures or statements, the Bank shall not be liable for any consequences resulting from the performance of requirements based on such documents. The Parties agree that the visual inspection of the documents submitted by the Beneficiary, as well as seals and signatures on them, shall be sufficient and the only possible execution of the Bank's obligations to verify the submitted documents. In case of violating at least one of the terms and conditions of the Letter of Credit, payment under the Letter of Credit shall not be made.

Verification by the Bank of documents submitted in electronic form using the Bank's email addresses is carried out for their compliance with the terms of provision specified in the Letter of Credit (form, content), for their receipt from the proper person, signing by an authorized person in the form and manner specified in Letter of credit, the provision of documents by the method and from the email address specified in the conditions of the Letter of Credit. The principle of checking such documents is similar to checking documents on paper - the Bank checks documents for compliance with the conditions of the Letter of Credit only on external grounds and is not responsible for the consequences that arose as a result of the fulfillment of requirements based on documents that were not genuine.

5.41.14. When establishing the discrepancy of the submitted documents on external signs with the terms of the Letter of Credit, the Bank at its discretion performs one of the following actions:

refuses to execute the Letter of Credit with notification to the Recipient indicating all discrepancies;

asks the Client about the possibility of accepting documents with discrepancies. Interaction with the Client is carried out in electronic

form using email addresses specified in clause 5.41.5 of the General Terms.

49 Except for changing the e-mail address of the Recipient - an individual. Change of this condition is possible only by contacting the Bank's Division. 50 If documents are submitted on the last day of the Letter of Credit validity period, they must be submitted to the Bank no later than the deadline for the Bank to execute documents on the Letter of Credit, information about which is available on the Bank’s Website. 51 A corporate e-mail address must contain a corporate domain. The use of publicly accessible email addresses (for example, with the domains @ mail.ru, @ yandex.ru, @ gmail.com, etc.) and / or third-level domains and above is unacceptable.




5.41.15. In case of positive results of the submitted documents verification or if the Bank receives the Client’s consent to accept documents with discrepancies (if applicable) in accordance with paragraph 5.40.14 of the General Terms, the Bank shall perform a payment under the Letter of Credit without additional order of the Client using the funds from the Letter of Credit coverage account not later than within three Business Days following the expiration date of document verification period and shall send a notice of the Letter of Credit cashing to the Client and the Beneficiary via e-mail.

5.41.16. The Letter of Credit withdrawal shall be made:

upon expiration of the Letter of Credit validity period, except for the case when the documents on the Letter of Credit were submitted within the term of the Letter of Credit;

prematurely (prior to expiration of the Letter of Credit validity period) without any payments under the Letter of Credit upon submission

by the Client of a written request for revocation of the Letter of Credit agreed with the Recipient, or upon provision by the Recipient

of an application to refuse to use the Letter of Credit:

on paper in the Bank Division52;

in electronic form from the email address specified in paragraph 5.41.5 of the General Conditions in the form of a scanned copy of the document signed by the Client / Recipient to the Bank's email address specified in paragraph of the General Terms53.

in case of full execution of the Letter of Credit;

The Bank shall withdraw the Letter of Credit and return the amount of the Letter of Credit cash coverage (with the exception of closing the Letter of Credit on the basis of its full performance) to the Client's current account specified in the Letter of Credit Opening Application on the day of closing the Letter of Credit.

5.41.17. The Bank shall not be responsible for the verification of compliance of the terms and conditions of the Letter of Credit with the master contract between the Beneficiary and the Client and for the verification of actual performance of such contract. The Bank shall not intervene in contractual relations between the Client and the Beneficiary. Mutual claims related to any transactions between the Client and the Beneficiary (other than those occurred through any fault of the Bank) shall be settled in accordance with applicable legislation without the Bank's participation.

5.42. Transfers using the Identifier in the System

5.42.1. It is possible to make money transfers using the Identifier in the System, which is the Contact mobile number of the recipient of the money or a QR code.

5.42.2. Depending on the Identifier used, transfers are made between the Clients, between the Client and legal entities/ individual entrepreneurs who are clients of the Bank, as well as between Clients and individuals/ legal entities/ individual entrepreneurs whose accounts are opened with third-party credit organizations.

5.42.3. Transfers are made only in Russian rubles, from Client' bank accounts and to bank accounts of individuals (when transferred by the recipient's mobile phone number) / legal entities or individual entrepreneurs (when transferred by QR code) - currency residents. Transfers to / from Deposit accounts are not made. Transfer from Accounts to which a Credit Card is issued is not possible.

5.42.4. Features of transfers by Identifier using the Faster Payments Service:

1) Within the framework of the Faster Payments Service, transfers are made:

by mobile phone number, if the bank of the recipient of funds – an individual is a participant in the Faster Payments Service;

by QR code created by the bank of the recipient of funds - a legal entity / individual entrepreneur for the purpose of transferring through the Faster Payments Service, upon recognition of which only information about the recipient of funds is reflected and, in certain cases, the amount and currency of the transfer;

2) transfers are carried out within the limits established by the Bank's tariffs, but not more than the limits established by the current legislation of the Russian Federation;

3) a commission may be charged for making transfers by the Bank in accordance with the Bank's tariffs applicable at the time of transfer;

4) to confirm / receive information about the recipient of funds, including the payment details of the recipient, according to the Identifier specified by the Client in the System, the Bank sends a corresponding request to NSPK JSC. The transfer of funds is carried out only in case of confirmation/ receipt of the necessary information about the recipient from JSC "NSPK".

5.42.5. Transfers by the recipient's mobile phone number

5.42.5.1. The ability to make money transfers by the recipient’s mobile phone number is available to all Clients who have the option “transfers by phone number” enabled in the System. If necessary, in the System, the Client can disable this option or reconnect it. The transfer between the Bank’s Clients is possible provided that the specified option is connected both to the paying Client and the recipient.

5.42.5.2. To make a transfer, the Client selects his Account in the System from which the transfer will be carried out, indicates the recipient’s mobile phone number, selects the recipient’s bank and enters the transfer amount. In the event that the Bank is not selected as the beneficiary's bank, the transfer is carried out as part of the Faster Payments Service. If, within the framework of the Faster Payments Service, the recipient of funds has set a default bank, the payer client is offered the bank selected by the recipient during the transfer.

5.42.5.3. The transaction is confirmed by the Client with a One-Time Password.

5.42.6. Transfers by the QR code54

5.42.6.1. The ability to make money transfers using the QR code is available to Clients in the Raiffeisenbank Mobile Application.

5.42.6.2. To make a transfer, the Client selects the payment of services using the QR code in the Bank’s Mobile application and recognizes the QR code provided by the legal entity or individual entrepreneur. As a result of the recognition of the QR code, the following will be displayed

52 The list of Bank divisions where it is possible to submit an application for changing the conditions of the Letter of Credit / consent to the amended conditions of the Letter of Credit can be clarified in the Bank's Information Center by phone 8-800-700 91 00. 53 With the exception of changing the email address of the Recipient - an individual. Changing this condition is possible only by contacting the Bank. 54 Transfers by QR code transfer service within the framework of the Faster Payments Service is provided as it is technically implemented, both on the side of the Bank and the transfer recipient / bank of the recipient.



on the screen:

- when transferring via the Faster Payments Service, the information specified in subclause 1 of the cl.5.42.4;

- when making a standard transfer, full information about the payee details of the recipient, including the current account.

The Client selects his Account from which the transfer will be carried out, and if the amount and currency of the transfer were not displayed, the Client additionally enters them himself. The transaction is confirmed by the Client with a One-Time Password.

6. Servicing Card Accounts

6.1. Terms of Account

6.1.1. The provisions of this Clause shall apply to Accounts for which accounts Bank Cards and Credit Cards are issued, unless otherwise stated in this Clause, other provisions of the General Terms, Card Use Regulations or Agreement.

6.1.2. The Bank shall carry out Account Transactions and Card Transactions in accordance with the applicable laws of the Russian Federation, the regulations of the Central Bank of Russia, and the Agreement.

6.1.3. In case cash is withdrawn / funds are credited to the Account and other operations are made through an automatic teller machine, as well as payments are made through an electronic terminal, the Bank shall consider PIN as the Card Holder’s Handwritten Signature Analogue.

In case goods, works and services are paid for in payment terminals of trade / service outlets (or other entities through which the Card Transaction is carried out), as well as cash withdrawals at the cash office of trade and service enterprises, accepting Contactless/Digital Cards, the Bank shall consider use (application to reading surface) of Contactless/Digital Card as proper and sufficient identification of the Card Holder and confirmation of the right to carry out the Card Transaction.

The Account shall be debited (credited), as a result of the use of the Card or its number in the Payment Systems or the Bank Terminals, on the basis of electronic data transferred from the Payment System or the Bank Terminals. The said electronic data shall be recognised by the Bank and the Client as an order to operate the funds on the Client’s account, given by a duly authorised person.

6.1.4. Where the Card Transaction currency differs from the Account Currency, the Card Transaction amount shall be converted into the Account Currency as follows:

where the Card Transaction currency differs from the Russian Federation roubles, USA dollars or Euros, the Payment System will convert the Card Transaction amount into the Settlement Currency at a rate set by the Payment System.

where the Settlement Currency differs from the Account Currency, the Bank will subsequently make the conversion into the Account Currency at the Bank’s internal exchange rate prevailing on the date and time of carrying out the Account Transaction by the Bank;

in any other cases, the Bank will make the conversion into the Account Currency at the Bank’s internal exchange rate prevailing on the date and time of carrying out the Account Transaction by the Bank.

In the case of Card Transactions performed in retail sales / services (or other institution through which the Card Transaction is performed) registered abroad, and if the Card Transaction currency is different from the Account currency, the Bank will charge a commission fee for such Card Transactions applying tariffs in force at the time of the Card Transaction.

6.1.5. If the Card Transaction currency is different from the Account currency the funds crediting to the Client’s Account is made according to the Bank rate applicable as of the date and time of debiting of the Card Transaction in dispute from the Account, according to investigation effected by the Bank on the basis of the Client’s application on his/her disagreement with the Card Transaction.

6.1.6. When a Card Transaction is carried out, the trade/service outlet (or other entity through which the Card Transaction is carried out), if fitted with appropriate technical facilities, may convert the Card Transaction amount into RF Roubles or any other currency with the use of an exchange rate set by the bank or financial institution through which the Card Transaction is carried out. Where the Account Currency differs from the currency into which the conversion has been made, the Bank will subsequently make the conversion into the Account Currency at the Bank’s internal exchange rate prevailing on the day of carrying out the Account Transaction by the Bank. In this case, the provisions of clause 6.1.4 of the General Terms shall not apply.

6.1.7. The Card Transactions shall be carried out by the Card Holder to the extent of the Available Balance. If the Available balance exceeds the limit of expenses established by the Payment System for the Bank card of the corresponding type, the Available balance is equal to the limit of expenses established by the Payment System for the Bank card of the corresponding type.

6.1.8. Before carrying out each of the Card Transactions, the Card Holder shall, on its own, obtain information on the change in Available Balance and carry out Card Transactions only to the extent of the Available Balance. After the Card Transaction is completed, the required amount is blocked on the Account, and the Client cannot dispose of it.

The Available Balance for cash withdrawal purposes cannot exceed the established Cash Withdrawal Limit. 6.1.9. When the Client withdraws cash in a currency other than Russian rubles using ATMs of third-party credit organizations located in the Russian Federation, the amount debited from the Account may differ from the amount of the transaction made using the ATM due to currency conversion, as linked settlements between credit organizations in the Russian Federation are made in Russian rubles.

6.2. Terms and Conditions for Issuing / Re-issuing Bank Cards

6.2.1. The Client shall be entitled to apply for issue of the Bank Card in one of the following ways:

6.2.1.1. by applying to the Bank in person;

6.2.1.2. for Clients who wish to issue a Bank Card in their own name or a Supplementary Additional Bank Card in the name of the Child to an open Account - by applying to the Call Centre subject to Section 13 of the General Terms for the Clients who apply for a card to be issued in their name under an opened Account. In this case, the Client shall contact the Bank by phone and tells the Bank employee the account number for the Bank Card to be issued, the type and number of the Bank Cards, as well as the Branch for delivering the Card. If requested by the Client to issue a Supplementary Bank Card issued in the name of the Child the Client shall additionally tell Bank officer the surname and name of the Child and details of Child’s identity document as well as details of the documents confirming the legality of Child’s presence on the territory of Russian Federation (applicable if the Child is the citizen of the foreign state). The Bank reserves the right to demand from the Client the provision of the copies of the named documents for Child.

6.2.1.3. on the Bank's Website subject to the Client's remote (biometric) identification of an individual55.

6.2.1.4. on the Bank's Website. An application for issuing a Bank Card in this case is signed by the Simple Electronic Signature Key in

55 The service is provided from the moment of technical realization.



accordance with clause 1.66.2 of the General Terms and Conditions.

6.2.1.5. in the System. The application for issuing the Card is certified in this case in the manner provided for in Section 10 of the General Terms.

The Card Holder’s name shall be embossed (printed) on the Bank Card in Latin letters in accordance with the Bank’s transliteration rules, unless the Client requests otherwise.

6.2.2. At the discretion of the Client, the Bank Card may be issued to Card Holder (after reaching the age of 14 years):

6.2.2.1. upon the receipt by the Bank of a client’s questionnaire / application for the issue of the Bank Card when applying to the Bank in person (except for Individual Design Bank Cards). In this case, no surname and name of the Card Holder are indicated on the Bank Card. The Bank Card may be activated not later than on the next Business Day after its receipt by the Client. The re-issue of the said Bank Cards for a new term shall be made according to a standard procedure, with the Card Holder’s surname and name indicated on the re-issued Bank Card. Such Bank Cards shall not be issued to the Child.

6.2.2.2. at the Subdivision to which the Card is delivered. In this case, the Card Holder shall obtain the produced Bank Card within 2 months:

from the time of the Client’s personal application to the Bank/Bank Information Centre with a request to issue the Bank Card ;

after the date of Client’s referring to the Bank Subdivision/Call Center with an application/oral request regarding the re-issue of the Bank Card;

after the expiry of the previous Bank Card in case of its re-issue by the Bank for a new term in accordance with clause 6.2.3 hereof.

After the expiry of the said term, the Bank shall destroy the unclaimed Bank Card.

6.2.2.3. By its mailing.

Mailing is carried out within the territory of the Russian Federation. A Bank card is sent by the Bank to the Delivery Address.

The Client’s will to send the Card to him by mail can be submitted by the Client through:

‒ Bank Call Center. In this case, during a telephone conversation, the Client calls the Delivery Address to the Bank employee. Registration of the application is carried out in accordance with the rules of section 12 of the General Terms.

‒ Bank Subdivision. In this case, the Client indicates the Delivery Address in the corresponding application.

‒ System (applicable only for the initial issue of a Bank Card). In this case, the Client indicates the Delivery Address in the application for issuing the Card. The procedure for certifying this application is defined in the Clause 10.2.13 of the General Terms.

In this case, the Bank Card shall be deemed received by the Card Holder after its Activation. If, within 2 months after mailing the card, the Bank Card is not activated, the Bank shall be entitled to block such Bank Card.

6.2.2.4. By courier delivery. In this case the Bank card shall be deemed delivered upon its Activation by the Card Holder. If the Bank card was not accepted by the Card Holder from the Courier service employee, it is subject to be returned to the Bank. Thereby the Card Holder instructs the Bank to block the Bank card, if it is returned to the Bank. The Courier delivery fee for the Bank card delivery is paid by the Card Holder in accordance with current Tariffs.

Unless otherwise indicated below courier delivery is carried out to the Delivery Address specified by the client within the territory of the Russian Federation (provided that the courier service delivers correspondence to the specified address). The Client’s will to send him a Bank Card by courier service may be submitted by the Client through:

‒ Bank Call Center. In this case, during a telephone conversation, the Client calls the Delivery Address to the Bank employee. Registration of the application is carried out in accordance with the rules of section 12 of the General Terms. Through the Call Center of the Bank, the Client may issue a request for delivery of the Bank Card by courier service outside the Russian Federation, provided that the courier service delivers correspondence to the specified address. In this case, the Delivery Address of the Client informs when verbally contacting the Bank's Call Center, with an obligatory submission to the Bank by e-mail of a scanned copy of the application signed by him for delivery of the Bank Card no later than the day of contacting the Bank's Call Center.

‒ Bank Subdivision. In this case, the Client indicates the Delivery Address in the corresponding application.

‒ System (applicable for the initial issue of a Bank Card unless otherwise indicated below). In this case, the Client indicates the Delivery Address in the application for issuing the Card. If the Client is a holder of the Premium, 5 Premium and Premium Direct Package, he is entitled to apply via the System an application for the delivery of a Bank Card (upon initial issuance or reissue of the Bank Card) to any address, in t. h outside of the Russian Federation provided that the courier service delivers correspondence to this address. The client signs the above statement in accordance with clause 10.2.13 of the General Terms.

6.2.2.5. In case of the initial issue of a Bank Card - through postamat56.

The Client’s will to issue a Bank Card to him by means of a postamat may be submitted by the Client through the Information Center of the Bank in accordance with the rules of section 12 of the General Terms. When the Client selects this method of issuing a Bank Card, the Bank sends to the Client a code for opening a postamat cell to the Client’s Mobile Phone Number. The validity period of the code for opening the post office cell is 5 working days from the moment it is sent to the Client.

The Bank Card shall be considered to be received by the Card Holder from the date of the Card Activation. In case the Bank Card has not been reclaimed by the Card Holder, the Card Holder hereby shall instruct the Bank to immediately block and destroy the unclaimed Bank Card.

6.2.3. The Bank Card (including the re-issued one) may only be used after the Card Activation.

6.2.4. The annual fee for servicing the Bank Card57 shall be charged by the Bank at the moment of issue of the Bank Card in accordance with the Tariffs, effective as of the moment that the relevant application was filed with the Bank by the Client, and thereafter on the first working day of the first month of each subsequent year of service in accordance with the Tariffs effective as of that moment, subject to the following.

Starting from the second year of service the annual fee for servicing the Bank Card is not charged if within 12 (Twelve) months from the date of the last charge of fee for servicing the Bank Card no Bank-Card Transactions were performed. Upon subsequent execution of Bank-Card Transactions the Bank charges an annual fee for servicing the Bank Card on the first Business Day of the first month of the service year

56 The service is provided in separate Bank Subdivisions. The Client can check the list of Units providing this service on the Bank’s website, in the Bank’s Division or in the Information Center. 57 Servising the Bank Card is understood as the Bank's services for the issue of the Bank Card, as well as for the technical support of transactions made with its use (for the first year of service) and services for technical support of transactions performed using the Bank Card (for the second and subsequent years of service).



following the year of service in which the Bank Card Transaction was performed, in accordance with the current Tariffs. In case within the scope of a Loan Agreement a Bank Card has been issued for a Client without charging of annual fee for servicing the Bank Card, then upon the termination of the Loan Agreement, starting from the following year of services the annual fee shall be charged annually in the above set order in compliance with the Tariffs effective as of that moment. Regarding certain types of Bank Cards, it may be foreseen to charge a commission for the issue of a Bank Card in the manner provided for by the corresponding Tariffs.

6.2.5. The Bank Cards shall be re-issued by the Bank automatically, without the Client’s application, for the next period of validity unless otherwise stated by the General Terms. The Bank Card shall have a new PIN code58 which may be altered by the Client in accordance with clause 1.115 of the General Terms. A Supplementary Bank Card issued in the name of the Child is not re-issued for a new period of validity when the Child reaches the age of 18.

If any of the conditions set forth below is fulfilled, no Bank Cards are re-issued:

6.2.5.1. the balance of funds at the Account is below the amount of the fee charged for the annual service of the Bank Account as at:

- the beginning of the Transaction Day falling on the 6th day of the last month of the Bank Card term – for Bank Cards, except those indicated below; - the beginning of the Transaction Day falling on the 16th day of the last month of the Bank Card term – for Bank Cards opened within the framework of the payroll programs at Subdivisions located in Moscow and the Moscow region. Such provision does not apply, if the fee charged for the annual maintenance of the Bank Card is paid by the employer of the Payroll Client. - the beginning of the Transaction Day falling on the 25th day of the month previous to the last month of the Bank Card term – for Bank Cards being delivered by mail/ by courier delivery. If the said days fall on a day-off, the aforesaid procedure of checking funds available for the re-issue of Bank Cards shall be made on the nearest Business Day.

6.2.5.2. no Transactions were made for the Bank Card during the 11 last months;

6.2.5.3. the Bank stops the issue of the Bank Card of the relevant type.

6.2.6. The Client may personally apply to the Bank Subdivision that issued the Bank Card or through the Call Centre to get the Bank Card of the same type re-issued for the same validity term (e.g., when plastic needs to be replaced, if the Bank Card is lost or stolen). By that, the Bank Card is assigned a new PIN-code. The Bank Card of the same type shall be reissued for the same period under the condition of the availability of funds at the Account equal to the commission fee for the Bank Card reissue (if applicable), as stated by the Tariffs then efficient. The Bank may reissue a Bank Card, which shall expire not later than in 3 months, for the new validity period under the condition of the availability of funds at the Account equal to the fee for the Bank Card reissue (if applicable) and annual commission fee for the Bank Card maintenance, as stated by the Tariffs then efficient, and in case the Client has not notified the Bank of the refusal from the Bank Card maintenance for the next year, in accordance with the procedure set forth in Cl. 6.2.7 of the General Terms. According to the request of the Client to the Call Centre Bank does not re-issue Bank card associated with the change of the Client‘s name.

If a Bank Card, has been reissued for the same period / new period (subject to conditions of Bank Card re-issue for a new period set forth in this clause) before January 16, 2012, then further on annual fee for the Bank Card servicing shall be charged annually on the month corresponding to the month of the Bank Card reissue in accordance with then effective Tariffs. If a Bank Card, has been reissued for same period / new period (subject to conditions of Bank Card re-issue for a new period set forth in this clause) before January 16, 2012, then further on annual fee for the Bank Card servicing shall be charged in accordance with Cl.6.2.4 of the General Terms. The re-issued Bank Card will be given to the Client in the Bank Subdivision, determined by the Client when he applied for the re-issue of the Bank Card, within the times stated in clause 6.7.1 of the General Terms.

6.2.7. If the Client wishes to refuse from automatic re-issue of the Bank card for a new period the Client should notify the Bank about it in writing r by oral request to the Information Centre of the Bank:

no later than the 5th day of the month of the Card expiry.

before the 15th day of the last month of the current year of the Bank Card maintenance – for Bank Cards opened within the framework of payroll programs at Subdivisions located in Moscow and the Moscow region;

before the 20th day of the month previous to the last month of the current year of the Bank Card maintenance – for Bank Cards being delivered by mail.

If the Client wishes to refuse servicing of the Bank Card in the next year, he shall, in writing or by oral request to the Call Center of the Bank, notify the Bank thereof not later than the last Business Day of the last month of the current year of service.

Annual service fee will be charged for each full or partial year of service.

6.2.8. If the Card Holder wishes to change the Card type, a Card of a new type can be issued, for which the Client should contact the Bank Subdivision with the appropriate application.

6.2.9. Should the Bank terminate the issue (re-issue) of the appropriate type of Cards, the Bank reserves the right, when automatically issuing a Card in accordance with Cl. 6.2.5 of these General Terms and Conditions, to issue a Card release of another type59 to the Card Holder. In this case, no later than 1 month prior to the expiration of the Card, the Bank shall, in any of the forms specified in Cl. 2.14 of these General Terms and Conditions, inform the Client about changing the type of Card. The Client shall have the right to reject such a Card by submitting a request to the Information Centre of the Bank no later than the 5th day of the month of the Card expiry (for Cards issued under salary programs in Subdivisions within the territory of Moscow and the region of - no later than the 15th day of the last month of the Card validity).

6.3. Terms and conditions of Cards Servicing

6.3.1. The Bank shall not be liable for the Client’s inability to use the Card in any circumstances out of the Bank's control, or if any suppliers of goods (services) refuse to honour the Card, or if any errors occur as a result of actions/omissions by any third parties.

6.3.2. The Card may be captured by an automated teller machine, on the basis of the Bank’s order, if:

58 In course of technical realization the Bank carries out an automated re-issue of the said Bank Cards with a new PIN-code. 59 Here, the annual service fee (for the first year of service) for the Card of a different type will not exceed the annual service fee established for the Card the issue (reissue) of which was terminated by the Bank.



the Card has been blocked by the Bank or subject to the Client’s request;

the permitted number of wrong PIN entering attempts has been exceeded;

the Card has been left by the Card Holder in the magnetic strip reading device;

a failure of the automated teller machine hardware or software has occurred.

If a Card is withheld by the Bank’s cash machine, the Card will be delivered to the Subdivision Delivering the Card.

6.3.3. The Card shall be returned to the Bank:

at the time of application by the Client to the Bank on disagreement with a Card Transaction (according to the cl. 6.10.1 of the General Conditions), if at the time of effecting the challenged Card Transaction the Card was not lost / stolen, and at the time of submission of such application of the Client the Card was blocked, unless otherwise stated in the cl. 6.10.1 of the General Terms;

upon demand of the Bank, if any information on probable or actual unlawful operations involving the Card has come to the attention of the Bank;

The client shall undertake to destroy the card, having cut it alongside the magnetic strip:

upon expiring the validity period of the card,

upon receiving a new Card, re-issued for the new validity period;

upon termination of the Agreement, together with filing an application to terminate the Agreement (close the Account), unless otherwise stated by the Bank.

Failure of the Client to return the Card to the Bank or destroy the Card in the aforesaid cases shall be deemed to be a breach by the Client of the terms and conditions of the Agreement.

6.3.4. Upon termination of this Agreement, the balance on the Account, net of any of the Client’s obligations arising from carrying out Card Transactions, fees payable to the Bank in accordance with the Tariffs and the Client’s other indebtedness to the Bank, shall be transferred in accordance with the payment details specified by the Client or paid out in cash through the Bank’s cash desk subject to cl.5.29 of the General Terms.

6.3.5. The Card is the property of the Bank, and it may be withdrawn by the Bank without explanation or on the first demand (including for the reasons given in paragraph 6.3.3 of the General Terms) shall be immediately returned to the Bank, including the violation by the Card Holder of the procedure for use of the Card.

6.3.6. The Bank may impose restrictions on (limits of) amounts of cash that may be withdrawn from the Account with the use of the Card.

Day Cash Withdrawal Limit is specified separately on the Main Card and issued together with its Additional Cards. Monthly Cash Withdrawal

Limit is uniform for the Main Card and issued together with its Additional Cards.

6.3.7. Cash Withdrawal Limit/ Card Limit may be changed by the Bank upon the Card Holder’s request within the maximum amount established by the Tariff Rates, as described below60:

6.3.7.1. For the purposes of changing the established daily Cash Withdrawal Limit, the Client shall be entitled to:

- apply to the Bank Subdivision with the written application;

- apply via the Bank's Information Centre (in this case, the registration and confirmation of such application shall be performed in accordance

with the rules of Section 13 of the General Terms and Conditions);

- issue an application for changing the Cash Withdrawal Limit in the System on his own.

To change the established monthly Cash Withdrawal Limit, the Client shall apply to the Bank Subdivision with the written application.

6.3.7.2. To change the established daily Card Limit, the Client shall be entitled to61:

- issue an application for changing the Card Limit in the System on his own;

- apply via the Bank's Information Centre (in this case, the registration and confirmation of such application shall be performed in accordance

with the rules of Section 12 of the General Terms and Conditions).

6.3.7.3. Change of the Cash Withdrawal Limit/Credit Card Limit shall be performed not later than the day the Bank receives the Client's application.

6.3.8. In case the Client wishes to increase the Cash Withdrawal Limit/Credit Card Limit over the maximum amount established by the Tariff Rates, the Client shall apply to the Bank Subdivision with the written application. When the Client requests an increase of the Cash Withdrawal Limit/Credit Card Limit over the maximum amount established by the Tariff Rates, the Bank shall reserve its right to demand submission of the documents confirming the necessity to increase the Cash Withdrawal Limit/Credit Card Limit, as well as to refuse any change without explanation. The decision to increase the established Cash Withdrawal Limit/Credit Card Limit shall be made by the Bank within two Business Days of the date the Bank receives the Client's application. In case of a positive decision, the Bank shall increase the Cash Withdrawal Limit/Credit Card Limit not later than the Business Day following the day of making the corresponding decision by the Bank.

6.3.9. The Client shall be entitled to establish or cancel a ban on shopping on the Internet with the use of Cards by filling out the corresponding application in the System.62

6.3.10. To reduce the probability of rejecting Card Holder’s transactions conducted outside the territory of the Russian Federation that may be deemed suspicious, the Client shall notify the Bank on the intention to use the Card outside the territory of the Russian Federation by addressing an oral application to the Bank's Information Centre or filling out the corresponding application in the System on his own63.

6.3.11. When reissuing the Bank Card and changing it to the Bank Card of the same type, the Bank Card settings installed in accordance with paras. 6.3.7, 6.3.9 and 6.3.10 of the General Terms and Conditions shall be saved in case the card number was not changed. If the Bank Card is reissued with a new number, the settings installed in accordance with para. 6.3.7 of the General Terms and Conditions shall be saved.

When reissuing the Credit Cards and changing it to the Credit Card of another type, the Credit Card settings installed in accordance with paras. 6.3.7, 6.3.9 and 6.3.10 of the General Terms and Conditions shall not be saved.

60 The ability to change the established daily Cash Withdrawal Limit is provided according to the technical implementation 61 The ability to change the established daily Card Limit is provided according to the technical implementation. 62 The service shall be rendered at the place of its technical implementation. 63 The service shall be rendered at the place of its technical implementation



6.3.12. In case the Client fulfils the requirements of the authorized state bodies (officials), due to which the Client’s Bank Card has been earlier blocked (see paragraph 6.11 of the General Terms), the latter may be reissued for the same period with the simultaneous charging of the fee for the Bank Card reissue in accordance with the effective Tariffs, the Bank Card may also be reissued for a new period with the simultaneous charging of the annual fee for the Bank Card servicing. For the reissue under the terms of this clause the Client has to apply to the Bank Subdivision personally.

6.4. Terms of Registration and Maintenance of Digital Cards

6.4.1. Contactless Transactions with a Digital Card can be performed with the use of certain types of Cards, information about which can be accessed by the Card Holder in any Office of the Bank or on the Bank’s Website. Upon the registration of the Card in Digital Payment Service the Card Holder must read and accept, using the Mobile Device, the Digital Cards registration terms and conditions and maintenance features.

6.4.2. The Card Holder may register an active Card issued in Card Holder’s name in Digital Payment Service. Furthermore, the same Card can be added to Digital Payment Service on multiple Mobile Devices.

6.4.3. Before the registration of Cards in Digital Payment Service the Card Holder must ensure the registration of the Card Holder’s Authentication data in Digital Payment Service. If another person’s Authentication data was registered for unlocking the Mobile Device or performing Contactless Transactions with Digital Cards, such Authentication data will be considered as the Card Holder's Authentication data and the Contactless Transactions, confirmed by this Authentication data, are considered to be confirmed by the Card Holder. The Bank does not receive from the Card Holder, does not hold and does not handle his Authentication data.

6.4.4. The Card Holder may enter the Card details in Digital Payment Service by completing the registration form manually or using the camera on the Mobile Device. For Digital Payment Service Apple Pay, the Card Holder may also register the Card with the Raiffeisenbank Mobile Application (in this case the Card data will be automatically transferred to Apple Pay/ Google Pay)64. After the details of the Cards are entered in Digital Payment Service the Bank has the right to request the Card Holder’s confirmation that he is the owner of this Card. The confirmation is performed by one of the following methods at the choice of the Bank:

the Card Holder contacts the Bank Information Centre;

the Card Holder enters in Digital Payment Service a one-time SMS-password received from the Bank.

After the successful confirmation that the Card is owned by the Card Holder (if applicable) the corresponding Digital Card is added in Digital Payment Service and a Virtual Image of the Card is formed.

In the process of registration of the Cards in Digital Payment Service the Bank receives from Digital Payment Service Provider certain information about the Card Holder for the purposes of Card Holder’s identity confirmation, as well as anti-fraud purposes. The Bank processes and stores this information until the completion of the Digital Payment Service Card registration procedure, and then deletes it.

All the above-mentioned data on the Card and Digital Payment Service shall be transferred to the Wearable Device through the Mobile Device.

6.4.5. To perform Contactless Transactions with the Digital Card established as a card used by default in the Digital Payment Service Apple Pay / Samsung pay/ Garmin Pay the Card Holder brings the Mobile Device/ Wearable Device to the reader payment device and confirms the payment by entering Authentication Data, in the Digital Payment Service Google Pay the Card Holder must derive the Mobile Device from the sleep mode or unlock the Mobile Device by inputting the Authentication Data and bring the Mobile Device to a reader payment device. If the Card Holder desires to use another Digital Card for payment he should log in the Digital Payment Service, select a different Digital Card by clicking on the corresponding virtual image of the card and in the case of Apple Pay / Samsung pay confirm the payment by entering the Authentication Data. Contactless Transaction performed with the help of the Digital Card and Authentication data is recognized by the transaction of the Card Holder.

6.4.6. Using Digital Payment Service on the Mobile Device, the Card Holder may:

check the status of Digital Cards (the Digital Card is blocked, when the Card has been blocked);

block Digital Card (the Card itself is not blocked);

review the information on the latest Contactless Transactions with a Digital Card (date and amount of the transaction, the seller’s name). The Card and Account Transactions which are not Contactless Transactions with the Digital Card are not shown in Digital Payment Service. If needed, the Card Holder can turn off the notice of Contactless Transactions with the Digital Card in Digital Payment Service. The Card Holder agrees to transmit data about his last 10 Contactless Transactions with the Digital Card to Google for purposes of displaying transaction data in the Digital Payment Service.

remove the Digital Card from Digital Payment Service. The Card Holder gives the Bank permission to process Contactless Transactions made with the use of the Digital Card, pending at the time of its removal from Digital Payment Service.

6.4.7. The Bank strongly recommends not keeping Cards together with Mobile Device/ Wearable Device, except in cases of registration of the Digital Card in Digital Payment Service.

6.4.8. Access, use and maintenance of the Digital Card are subject to the conditions of servicing in Digital Payment Service, as well as the mobile operator’s network used by the Card Holder in the Mobile Device. The Bank shall not be liable for any circumstances that may interrupt, interfere with or otherwise affect the operation of the Digital Card, such as the unavailability of Digital Payment Service or the mobile operator’s network, as well as limiting the coverage area of mobile network, outages or interruption of the wireless connection.

6.4.9. The Card Holder agrees that features of Digital Payment Service and the Digital Card can be updated automatically without sending notices to the Card Holder. At any time, the Bank may decide to increase, reduce or suspend the types and/or volumes of Contactless Transactions with the Digital Card, as well as change the registration procedure.

6.4.10. For any questions related to the technical support for Mobile Devices, Wearable Devices as well as the need to obtain information on the Digital Payment Service restrictions and the minimum requirements to the software and hardware the Card Holder must apply directly to Digital Payment Service Provider.

6.4.11. The Bank is not responsible for the actions of Digital Payment Service Provider or any third party, committed as part of the Digital Card service. The procedure for obtaining and processing any information obtained by Digital Payment Service Provider in the course of use of the Card Holder’s Digital Card or Digital Payment Service, is regulated by the contract between the Card Holder and Digital Payment Service Provider.

6.4.12. Digital Payment Service Provider, the mobile service operator, which is used by the Card Holder, as well as any third party (including

64 The functional is available as far as the technical implementation



a variety of web sites), involved in providing Digital Payment Service services have their terms of service and privacy policy. When passing personal details, using services or visiting the websites of these persons, the Card Holder accepts their terms of service and privacy policy.

6.4.13. Digital Payment Service Provider has the right, according to the terms of the user agreement, accepted by the Client when registering the Card, to block, restrict, suspend or terminate Card Holder’s use of the Digital Card and/or to change the Digital Payment Service functions. The Card Holder agrees that in such case the Bank shall not be liable to the Card Holder.

6.4.14. Contactless Transactions with the Digital Card are a type of Card Transactions and otherwise are performed on the terms and conditions established for Card Transactions.

6.5. Depositing Cash on the Account through the Bank’s Automated Teller Machines (ATMs)

6.5.1. The Bank shall authorise the Client to deposit funds in cash on his Card Account through the Bank's ATMs which are technically capable of accepting cash. The Bank shall credit cash deposited by the Card Holder to the Card Holder’s Account provided that the Card Holder complies with the provisions of the General Terms.

6.5.2. The Card Holder shall have the right to deposit cash in Russian Roubles, United States Dollars, and Euros. Depositing coins shall be prohibited.

6.5.3. For purposes of depositing cash, the identification of the Card Holder shall be performed by the Bank automatically, on the basis of the Card Holder's Card and PIN code.

6.5.4. At the moment of depositing cash, the Card Holder shall follow the instructions displayed on the ATM's screen.

6.5.5. Upon completion of the cash depositing transaction, the ATM shall print out a slip listing the details of the transaction. This slip should be kept within a year from the time of the transaction. The Card Holder’s signature on the slip is not required.

6.6. Transfers between bank cards

6.6.1. The Bank shall authorise the Client to perform any Transfers between bank cards. The Transfers to cards of other Banks shall be effected and with due consideration of currency legislation of the Russian Federation.

6.6.2. Transfers to cards of other banks, as well as Instant transfers between Cards of different Clients shall be performed: between Russian residents - in Russian roubles only, between non-residents – in Russian roubles, US dollars and Euro. The Bank shall have the right to set any additional limitations on transfer currency including to effect the Transfers between Cards in Russian roubles only. The information on such limitations shall be given on the Bank’s Internet site (www.raiffeisen.ru). In case a resident effects an Instant Transfer between Cards of his/her own using a card issued for the Account in US dollars or in Euro the Bank shall convert the transfer amount in roubles as set by the Client into the currency of the Account to which the Card was issued, in accordance with the internal Bank rate as of the date and time of the Transfer effected by the Bank. Transfers using the Transfer Service are possible only in Russian rubles.

6.6.3. The Client, the payer, shall be entitled to make Transfers between bank cards within the scope of the Available Balance from which the funds shall be transferred.

6.6.4. When transferring funds to the Card the Bank shall be guided only by the 16-digit number of the Card specified by the Client, the payer. In case the funds are transferred to the Card in the currency different from the currency of the Account to which the Card is issued the Bank shall convert the funds without the Client’s additional instructions based on the Bank’s internal rate as of the date and time when the Bank executes the Card Transaction.

6.6.5. The Bank reserves the right to refuse executing transaction of Transfers between bank cards in case of such transaction incompliance with the requirements of the effective legislation of the Russian Federation including on the grounds in accordance with clause 3.6 of the General Terms.

6.6.6. The Bank reserves the right to implement the limitations (restrictions) on the amounts of Transfers between bank cards.

6.6.7. The amount of Transfers between bank cards upon the completion of such transaction shall immediately become unavailable to the Client-the payer and shall be excluded from the Available Balance.

6.6.8. The funds credited through Instant Transfers between Cards as well as via Transfer Service shall be included into the Available Balance “in real time mode”. In case of the Transfers to cards of other Banks the term of funds crediting to bank card and bank account of a recipient of funds shall be determined by the bank – issuer of the recipient’s bank card.

6.6.9. During the Transfers between banks cards through the Bank ATMs the Client shall be identified by the Bank automatically based on the Client’s Card and PIN-code.

During the Transfers between bank cards through the System the Client shall be identified automatically based on the login and password or other identifiers for logging into the System mentioned in cl. 10.2 of the General Terms.

6.6.10. During the funds transfer the Client shall follow the instructions on the screen of the ATM / the System.

6.6.11. Upon the completion of a Transfer between bank cards the ATM shall issue for the Client the receipt containing the information on this transaction. The Client shall be obliged to keep the receipt for one year from the moment of the transaction execution. No Client’s signature on the receipt is required.

6.6.12. The operations of the Transfers between bank cards authorized by the Client may not be cancelled.

6.6.13. The Transfers between bank cards may be executed by the Card Holder.

6.7. Obligations of the Bank

6.7.1. To issue a Card to the Client, in a manner determined by the Client, no later than twenty-one (21) calendar Days upon the execution of the Agreement or submission of an application for the re-issue by way of personally applying to the Bank’s Subdivision.

6.7.2. To investigate on the basis of the Client’s written application. In this respect, the Bank shall have the right to request the Client to provide any documents and explanations required to carry out such investigation.

6.8. Obligations of the Client

6.8.1. To receive in accordance with clause 6.2.2 and make the Card Activation.

6.8.2. To sign the Card immediately after the receipt thereof.

http://www.raiffeisen.ru/



6.8.3. To keep confidential his or her PIN code, Card number and Authentication Data. Not to transfer the Card and its number to a third party (other than trading (service) enterprises, as well as the cases of use of the services of Instant Transfers between Cards, Contactless Transactions with a Digital Card, Transfer Service), not to provide the Authentication Data and the Client’s Mobile Device to a third party. Use of the Card/Authentication Data/Mobile Device by a third party will be considered by the Bank as a gross violation of the Agreement, and may result in its unilateral cancellation by the Bank..

6.8.4. To observe the Card Use Regulations. The text of the Card Use Regulations is also available at the Bank’s Subdivisions and on the Bank’s Website.

6.8.5. To repay indebtedness, including the one that has originated for the reasons, stated in clause 6.2.4, including the amounts charged by the Bank in accordance with the Tariffs, in the manner and within the times set forth by General Terms.

6.8.6. To promptly notify the Bank by any available means set by the Card Use Regulations if the Card is lost or stolen or there are any suspicions that the Card has been lost or stolen or the risk of unauthorised use of the Card or its number has originated, and to remain responsible for all the transactions with the use of the Card carried out before the Bank is so notified.

6.8.7. If a Card earlier declared as lost (or stolen) is found, do not use the Card but notify the Bank accordingly without delay and return the Card to the Bank within seven (7) Business Days.

6.8.8. In case the Authentication Data is compromised or is suspected to have been compromised the Client must immediately change the Authentication Data and make sure that the Client’s fingerprint is registered in the Mobile Device in order to prevent any unauthorized use of the Digital Card or personal information. In case the Authentication Data and/or Digital Card data have been compromised, the Client must immediately notify the Bank. In case of failure to notify and/or untimely notification of the Bank about the loss of the Client’s Authentication Data and/or compromising the details of the Digital Card, the Bank shall not be liable for any losses of the Client.

6.8.9. In case of loss or theft of the Mobile Device, compromise and (or) use of the Digital Card or its details without the consent of the Client, to immediately notify the Bank after the discovery of these facts, but no later than the day following the day of receipt of notice from the Bank of Contactless Transactions performed with the Digital Card.

6.8.10. In case of disposal of the Mobile Device to make sure that all the Digital Cards and other personal information are erased. To do this, the Client may contact the Bank Information Centre with the order to remove the Digital Cards.

6.8.11. To assist the Bank in conducting any investigations and take measures to prevent fraud or other measures that can prevent the Digital Cards from being compromised.

6.8.12. Not to turn off the security functions and measures for protection against unauthorized use of Digital Cards in Digital Payment Service and/or Mobile Device, and to use these functions and measures to ensure the protection of all Digital Cards.

6.8.13. To immediately apply to the Bank Information Centre upon receipt of an SMS-message on the registration of a Card in Digital Payment Service, if the Client did not carry out such registration.

6.8.14. To familiarise another Card Holder with the General Terms, Card Use Regulations and Tariffs and ensure that the specified persons comply with the requirements contained therein. Any expenses made with the use of the Supplementary Cards shall be paid from the Client’s Accounts.

6.8.15. When receiving and using the Card the Client shall observe the following procedure:

to prevent overdue indebtedness on Accounts and any other indebtedness to the Bank, including the indebtedness on Minimal Payment, and also through the fault of third parties responsible to pay commissions to the Bank;

to observe all terms and conditions of the Agreement, General Terms, Tariffs and Card Use Regulations;

to keep the PIN code, Activation code, code CVV2/CVC2-code secret and not to transfer the said codes and/or the Card to any third parties including the information on the Card;

to change PIN code to the Card no less than once in 30 calendar days;

to provide the Bank with reliable information regarding conclusion and performance of the Agreement and issue and use of the Card. The Client does hereby confirm and guarantee reliability of information previously provided to the Bank for conclusion of the Agreement and issue of the Card;

to properly perform all its obligations to the Bank, to timely pay and secure payment of all commissions provided for under the Tariffs of the Bank;

to avoid illegal transactions using the card, avoid compromising the Card, avoid using the Card for any fraudulent transactions, and avoid using the Card to pay for goods (works, services) restricted by Russian law;

to timely respond to messages and applications of the Bank regarding performance by the Client of its obligations to the Bank sent as per the contact details communicated by the Client to the Bank (Contact mobile telephone number of the Client, e-mail, etc.);

to maintain on Accounts for which the Card (Cards) is issued a balance of funds securing lack of indebtedness;

to submit on demand of and within the term established by the Bank documents confirming operations carried out by the Client on Accounts, for which the Card (Cards) is issued, in cases established under the legislation of the Russian Federation, as well as in cases when it is required for adjustment of carried out operations and / or securing safety of the Client’s funds;

not to carry out on Accounts, for which the Card (Cards) is issued any operations disturbing behaviour of the above accounts;

to check regularly in the System the information on transactions effected with usage of the Card;

to notify the Bank immediately of any changes of his/her data, including residence, mobile telephone number (including the one registered with the Bank for the service “Transaction Notification”), E-mail and other contact.

6.8.16. To promptly notify the Bank of any change in the Delivery address (if the Card is to be delivered by mail/ by courier delivery) by referring personally with an application to the Bank Subdivision or Call Center.

6.9. Rights of the Bank

6.9.1. The Bank shall have the right to block the Card:

6.9.1.1. in cases of violation by the Client of the procedure for use of the Card set forth in the Card Use Regulations and in clause 6.8 of the General Terms, including, in the cases specified in clause 2.16 of General Terms;

6.9.1.2. on the basis of a Card Blocking notice received from the Client:

a) submitted to the Bank as a written application to the Bank Subdivision;



b) in oral form in accordance with Clause 12 these General Terms and Conditions or Clause 13 of these General Terms and Conditions; c)sent to the Bank in writing by mail with the notary certification of the Client’s signature on the application; d) in the event of any loss/compromise of the Card – in the form of statement on the Bank’s Website , Clause “Card Blocking”. In this case, the Card(s) is(are) only Blocked after the Bank has contacted the Card Holder and identified the Card Holder using the Code Word as per clause 12.3 of the General Terms and Conditions. The Bank is entitled to apply to the Client for the Blocking of the Supplementary Card issued in the name of the Child. e) as specified in Clause 6.11 of these General Terms and Conditions; f) sent to the Bank via Raiffeisen CONNECT.

6.9.1.3. in case of revealing of the signs of OWCC in relation to the Card Transactions.

6.9.2. The Bank shall have the right to refuse to issue the Card, re-issue the Card with the same period of validity or re-issue the Card with a new period of validity without explaining the reasons.

6.9.3. The Bank shall have the right to reject the authorisation if the amount of the relevant Card Transaction exceeds the Available Balance / Cash Withdrawal Limit or the Bank has reasons to consider such Card Transaction illegal or fraudulent.

6.9.4. The Bank has the right to use the address of actual residence indicated by the Client in the application form / application for issuing the Card to identify the authenticity of the Card Transactions (for example, performed using the Internet). If identification is impossible, he has the right to refuse Authorization.

6.9.5. The Bank has the right to refuse the registration of the Cards and the creation of a Digital Card in Digital Payment Service if Client’s ownership of the Card has not been confirmed or the Bank has doubts about the fact that the initiative to register the Card in Digital Payment Service comes from the Client.

6.9.6. The Bank is entitled to block, restrict, suspend or terminate Client’s use of any Digital Card in the event of breach of the General Terms and Conditions or if there is suspicion of fraudulent activity.

6.9.7. The Bank shall have the right without additional consent of the Client to directly debit funds from the Client’s Account in accordance with sub-Clause 3.6 of the General Terms.

6.9.8. If there are specific technical capabilities, the Bank shall notify the Client of the Card Blocking by sending SMS-message to the phone number to which the Service «Transaction Notification» is connected for such Card.

6.9.9. The Bank shall have the right to set limitations for funds credited to the Account at transmission of funds from other credit institutions using the Card number via Visa Money Transfer, MasterCard Money Send services and through the instant transfer service of the Mir Payment System.

6.9.10. In Tariffs, the Bank is entitled to determine the maximum number of Cards issued for Client Accounts.

6.9.11. Upon receipt of a statement of disagreement with the Card Transaction from the Client to the Bank, the Bank independently determines the necessity and possibility of carrying out an investigation through the Payment System. If the Bank makes a decision on the possibility of such an investigation by the Client, the Client must provide the necessary documents to the Bank within the period specified by the Bank. If the Client fails to provide the documents requested by the Bank within the due time / the incomplete set of documents is submitted, the investigation is not conducted / is terminated.

6.10. Rights of the Client

6.10.1. In event of the Client’s disagreement with the Card Transaction the Client shall notify the Bank about it immediately after the Card loss and (or) its usage not authorized by the Client but not later than the next day after the date of the receipt of the Bank’s notification on the completed transaction:

In written according to the Bank’s form, contacting the Bank's Subdivision;

orally by referring to the Bank’s Call Center in accordance with the rules, as set out in Clause 12 of the General Terms. If necessary, the Bank has the right to request from the Client a scan-copy of the application for disagreement with the Card Transaction in the form of the Bank, as well as a photo of the Card executed in accordance with the instructions of the Bank (if, at the time of the contested Card, the Card was not lost / stolen, and at the moment the Client filed such an application the Card is not blocked). The client sends a scan-copy of the application and photo card (if applicable) to the e-mail address specified by the Bank.

The Bank considers applications for disagreement with the Card Transaction in the time provided for by the legislation of the Russian Federation.No objection of the Client within the period specified above means acceptance of the Card Transaction and the amounts debited from the Account (credited to the Account).

6.10.2. Absence of objections of the Client in the above-mentioned period means acceptance of the Card operation and amounts written off from the Account (credited to the Account).The Client shall have the right to open up to five (5) Supplementary Bank Cards (not more than 2 (Two) of them may be issued in the name of the Child) and up to five (5) Supplementary Credit Cards issued to one Account if it does not contradict the Tariffs. The procedure of issue of the Supplementary Cards shall be determined by the Bank. Any transactions carried out under the Supplementary Cards shall be deemed to have been carried out by the Client himself.

6.11. The Client does hereby notifies the Bank of the necessity to Block the Card (Cards) and charges the Bank to Block the Card (Cards) in the following cases:

pledge by the Client of the property to the Bank;

restructuring of loan agreements entered into between the Client and the Bank;

attachment (and any other restrictions provided for under the law) on demand of authorized government bodies (officers) of the Client’s funds placed on Accounts , for which the Credit Card (Cards) is issued including on the grounds in accordance with clause 3.6 of these General Terms;

when receiving by the Bank information on the introduction of bankruptcy proceedings against the Client;

submission to the Bank of enforcement (settlement) documents for recovery of funds from the Client;

if the Bank is provided with enforcement documents regarding the arrest of funds of the Client deposited at the Accounts for which the Card(s) is(are) issued;

receipt by the Bank of information on probable or actual illegal operations in connection with the Card including from any third parties;

receipt by the Bank from the Client of the notice specified in clause 6.8.6 of the General Terms;



receipt by the Bank from the Payment System of a Card loss notice;

expiration of 30 days of the Card Blocking on the basis of a Card Blocking notice received from the Client by reason of its possible loss by the Client, if within the above term the Client failed to notify the Bank regarding cancelation of the said Card Blocking;

receipt by the Bank of information about the Client’s death;

three-time consecutive wrong PIN code entries by the Client;

on termination of the Agreement in accordance with paragraph 7.5.7 of the General Terms;

in cases set by paragraph 2.16 of the General Terms;

in case of technical impossibility of further Card service including in relation with measures on Bank Subdivision optimization;

in case the Bank has no updated information on the Client’s mobile phone number and/or e-mail address including the case the Bank has the reasons to suppose the mobile phone number and/or e-mail address previously given to the Bank by the Client is not owned by the Client any longer;

in case if the Card, forgotten by the Client at the Bank Subdivision, was discovered;

non-compliance by the Client with the terms and conditions of participation in the Loyalty Programme (applicable to the Cards participating in the Loyalty Programme);

if the Client provides incomplete / incorrect information for the purpose of obtaining a credit product of the Bank65.

6.12. Additional terms and conditions on the Cards issued under the Loyalty Programmes.

6.12.1. Terms and conditions of participation in the Loyalty Programme, as well as the procedure for providing privileges and rewards to the Clients shall be established by the rules applicable to the Loyalty Programme.

6.12.2. The present additional terms and conditions shall apply if the Client is participating in the Loyalty Programme.

6.12.3. In case the Client is participating in the Loyalty Programme, under which the Bank issues the Co-Branded Card to the Client, the Client shall instruct the Bank to transfer the following information to the third person who is the owner of the Loyalty Programme:

6.12.3.1. personal information of the Client: full name, date of birth, postal address, work, home and mobile phone numbers, email address;

number of the Loyalty Programme determined by the Loyalty Programme;

answers of the Client to questions of the Loyalty Programme specified in the Application (Questionnaire) of the Client provided to the Bank for the purpose of obtaining the Co-Branded Card;

information on the Client's wish to obtain information on the Loyalty Programme in the form of SMS messages and electronic mail messages;

number of the Co-Branded Card assigned under the Loyalty Programme;

other information in accordance with the terms and conditions of the Loyalty Programme;

6.12.3.2. information on the Co-Branded Card Transactions when making payment for goods (works, services).

6.12.4. For the purposes of para. 6.12.3.2 of the General Terms and Conditions, payment for goods (works, services) shall be recognized as making payments using the Bank Devices or the System. Payment for goods (works, services) shall not include Quasi-Cash Transactions, Transfer Transactions between bank cards, withdrawal of cash (at the cash office of trade and service enterprises, through ATMs and at the cash desks of the Bank and other banks), as well as the fees envisaged for such transactions, transfers and withdrawals.

6.12.5. The terms and conditions of the Client's participation in the Loyalty Programme shall be published on the website of the Loyalty Programme, the address of which can be seen in the relevant section on the Bank's Website.

6.13. Issuance/re-issuance specificity of Individual Design Cards66

6.13.1. An application to issue the Individual Design Card shall be submitted through the Bank’s official website.

6.13.2. The Client shall be entitled to create an individual design of its Card:

by choosing an image (picture, photo) from the Bank’s image gallery;

by uploading its own image (picture, photo) from its own collection (JPEG or PNG up to 10 Mb).

6.13.3. When creating design of the Individual Design Card, the Client, at its own discretion, shall be entitled to zoom the image in or out, edit it with available tools, and choose color and location for the Bank logo.

6.13.4. After confirming the final design of the Card, the Client shall indicate its email. Issuance of the Additional Card also requires indication of the first 6 and the last 4 digits of the Main Card. By entering its email, the Client confirms the created design and agrees to be notified on the examination of the image uploaded.

6.13.5. After completion of the procedure on design creation, the Bank shall check the image (picture, photo) for compliance with the image regulations indicated in Clause 6.15 of the General Terms. Within five Business Days following the application on Card design creation, the Bank shall notify the Client on examination results by sending a message to email indicated by the Client. Such message contains the Design ID. Where the Bank rejects the design, the Bank shall notify the Client that the image should be changed, or a new design should be requested with the correct Main Card number (the latter is applicable to Supplementary Cards).

6.13.6. The image in the application on design creation shall be replaced:

where the Bank has rejected the image;

on the Client’s request, unless the Individual design Card has been sent to production yet.

To replace the image, the Client shall indicate his/her email (used in the design application on design creation) and Design ID in the relevant section of the Bank’s website. When uploading a new image, the Design ID is saved. The new image is submitted for examination. The Bank shall use the last image uploaded by the Client and approved by the Bank to apply on the Card.

6.13.7. The approval of an individual design shall be effective within 30 calendar days following the Bank's notification on the approval of the individual design.

6.13.8. Issuance of the Individual Design Credit Card shall be made in case of a positive decision on the package of documents (including the Card Issuance Application/Questionnaire) necessary for the Bank to take a decision on the provision of the Credit Limit, received by the Client during the individual design approval term. In this case, the Client's package of documents and the application on design creation shall

65 In this case, only Credit Card is blocked. 66 For Bank Cards, the service is provided as far as the technical implementation.



indicate the same email address. Where the Client uses different email addresses, the Bank shall not be liable for potential delays in issuing the Individual Design Card.

6.13.9. For the Individual Design Supplementary Card, the fee provided for by para.7.1.6 or 7.1.8 of the General Terms, shall be charged on issuance of the said Card subject to the Bank’s Card Tariffs.

6.13.10. Re-issuance of an Individual Design Card with to a Card of the same type at the Client's initiative is carried out in accordance with the procedure and conditions specified in clause 6.2 (for Bank Cards) or clause 7.4 of the General Terms (for Credit Cards), subject to valid approval of the individual design of the Card.67

6.13.11. The Bank shall be entitled to:

– use specialized software to improve the quality of the image uploaded by the Client without notifying the latter thereof;

– at its own discretion, change the Bank logo on the image chosen by the Client without notifying the latter thereof.

6.13.12. The Client shall be entitled to:

in case of any disputes and/or third party copyright infringement claims against the Bank with regard to the image uploaded by the Client from its own collection, indemnify the Bank for its expenses in connection with the resolution of the above disputes;

notify the persons appearing on the image uploaded by the Client from its own collection that the image will be used for application to the Individual Design Card, and receive their written consent for such use, as well as submit such written consent of the persons appearing on the image on the Bank’s request;

comply with the requirements to the images indicated in Clause 6.15 of the General Terms when creating an individual card design.

6.13.13. The Client shall guarantee that it has received a written consent from the persons appearing on the image from his/her own collection, and has the right to use the image uploaded from his/her own collection, including the right to submit such image to the Bank to use it on the Individual Design Card, and that such use of the image does not infringe the third parties’ rights, including private property rights, personal privacy rights, exclusive (property) rights, as well as personal intangible and other rights.

6.13.14. The Client shall be liable to the Bank and third parties for any claims and actions filed against the Bank or Payment Systems due to the infringement of copyright and other rights arising from the fact that the Client has used an image from his/her own collection on the Individual Design Card.

6.13.15. By uploading an image from his/her own collection for the purposes of creating an individual card design, the Client authorizes the Bank to use, modify, print, disclose to third parties and store such image during the term of the Individual Design Card (including in case of its re-issuance for a new term).

6.13.16. The Client agrees and understands that all rights to the created design of the Individual Design Card are owned by the Bank during the term of such Card (including in case of its re-issuance for a new term).

6.13.17. The Bank shall not be liable in case of any disputes and/or third party claims of unlawful use (use on the card face) by the Bank of the image uploaded by the Client from his/her own collection, where such image is subject to third party copyright.

6.14. In the event that the Bank Card design is agreed upon and defined in the Agreement (supplementary agreement to it) between the Bank and the employing company, then the Bank will issue to the Salary Client a Bank Card only of such an agreed upon design68. If there is a valid approval of the individual design of the Card issued in accordance with clause 6.13 of the General Terms at the time of issue of the Bank Card, this design is a priority.

6.15. Requirements to the image to be used on the Individual Design Card

6.15.1. The Client shall have exclusive (property) rights to use the uploaded image.

6.15.2. The image shall be no smaller than 1035х662 px in JPG or PNG, AI, CDR.

6.15.3. The Client shall not use copyrighted images, including images from the Internet.

6.15.4. The Client shall not use images concealing the logo, ID (a four-digit number) and VALID THRU, MONTH/YEAR inscriptions. For example: a white logo on a white background.

6.15.5. The Client shall not use an image with rounded corners, with the image of a chip, the logo of the Payment system, the contactless payment icon and other visual elements inherent in the Card.

6.15.6. The Client shall not use materials containing:

phone numbers, digits, texts, letters, postal or email addresses, website addresses in any language and any numeral system;

currency symbols, coins, stamps, banknotes, medals, including ancient and obsolete ones;

political, religious, cult slogans and symbols, flags, coats of arms or other symbols of power;

photos or images of public persons, such as actors, musicians, athletes, showrunners etc., or known fictional characters;

countercultural, antireligious or antisocial symbols;

sexually explicit images;

images from films, cartoons, books;

advertisement, trademarks and service marks, abbreviations, symbols and names of companies, including those applied to the products, including cars;

images of people wearing uniform, equipment or other clothes with recognizable and readable brands and trademarks;

images of tobacco, alcoholic and alcohol-containing products and associated attributes;

images related to or associated with production or use of drugs;

images related to or associated with gambling games, including cards, dice, roulette, game machines, totalizers, etc.;

67 The Client shall be entitled to use the image previously approved by the Bank.

68 The service is provided as far as technical implementation.



images of weapons and military machines; guns, machine guns, tanks, military planes, ships, missiles, etc.;

images that may cause issues with card servicing by trade and service enterprises;

other images recognized by the Bank and/or Payment System as unacceptable for using on the bank card;

Where the Client’s image fails to comply with the above requirements, the Bank shall be entitled to refuse issuance of such Individual Design Card and request the Client to substitute the image.

6.16. The Transfer Service on the Bank’s website is provided on the basis of the Transfer Agreement on the Bank’s website and the General Terms is not regulated (including in the case when the Card is used for such transfer).

7. Procedure of Extension and Repayment of Loans under Credit-Card Transactions

7.1.Extension of Loans

7.1.1. All the terms and definitions specified in the Individual Terms with a capital letter are defined in the General Terms, unless otherwise specified in the Individual Terms.

7.1.2. Upon consideration of the package of the Borrower’s documents (including the Application/the Questionnaire/ the Individual Terms) required by the Bank to make a decision to conclude a Loan agreement, the Bank shall determine whether the Borrower complies with the Bank’s internal creditworthiness criteria which are set by the Bank at its sole discretion and which may be changed by the Bank from time to time. If, in the Bank’s opinion, the Borrower complies with Bank’s internal requirements, the Bank shall enter into a Loan Agreement with the Borrower and set the Credit Card Statement Date.

7.1.3. The Borrower is entitled to inform the Bank of its consent to receive the Loan on the terms specified in the Individual Terms within twenty five working days from the date of their provision to the Borrower by the Bank. The Borrower shall inform the Bank of its consent by signing the Individual Terms and their transfer to the Bank.

7.1.4. The loan shall be extended in the currency of the account to which the Credit Limit is set.

7.1.5. The Bank shall extend the Loan to the Borrower within the established Loan Limit following the Bank’s receipt of the Payment Document, presented in respect of the Borrower’s Account, or electronic data generated by the Payment System or the Bank Terminals (such Payment Document and electronic data shall be referred to as “the Payment Documents” for the purpose of this Clause) for the following:

to honour the above Payment Documents;

to pay a fee to the Bank for honouring the same;

the fee for participation in the insurance program (if applicable);

to pay other fees in accordance with the Bank’s Tariffs.

Whereby the amount of the Loan granted by the Bank makes the difference between the Account write-down amount and the Positive Balance of Account.

The Loan is not provided for the purposes of execution (payment) of executive documents and settlement documents drawn up for their execution (payment) received by the Bank in respect of the Borrower.

7.1.6. Change to the Credit limit:

7.1.6.1. The Credit limit can be increased at the discretion of the Bank. A transaction with a card with a changed amount of the Credit limit shall be deemed the consent of the Borrower with the amount of the Credit limit established by the Bank. In case of disagreement with the increase in the Credit limit, the Borrower is entitled to notify the Bank of the need to reduce the Credit limit, addressing any Bank’s branch (including a call to the Call center of the Bank, a message sent through the System) with an application for reduction of the Credit limit, after which the Credit limit shall be restored to its former amount. At that, the parties agreed that the specified Borrower’s appl ication shall be deemed the offer addressed to the Bank about introduction of corresponding changes to the Loan agreement. The acceptance of the offer shall be deemed execution of this application.

After the conclusion of the Loan agreement, the Borrower is entitled to request increase in the Credit limit by means of submission of a corresponding written application to a Bank’s branch and a Package of Documents (as necessary). On the basis of the analysis of the Package of Documents provided by the Borrower (including on the basis of the data specified by the Borrower in such application) and in case of compliance of the Borrower to internal criteria of solvency, the Bank makes the decision on a possibility of increase in the Credit limit, of which it shall notify the Borrower using the contact information which is available to the Bank. At that, the parties agreed that the specified Borrower’s application shall be deemed the offer addressed to the Bank about introduction of corresponding changes to the Loan agreement. The acceptance of the offer shall be deemed execution of this application. The Borrower is entitled to request increase in the Credit limit at the expense of the Credit limit established on the basis of another Loan agreement (about issuance and service of the Credit card). For this purpose, the Borrower has to submit an application in the Bank’s form to a Bank’s branch or make an oral application to the Call center of the Bank according to rules of Section 12 of the General Terms. In the latter case, the oral application of the Borrower shall be deemed the offer addressed to the Bank about change of Loan agreements (about issuance and service of the Credit card). The acceptance of the offer shall be deemed the increase in the Credit limit under one Loan agreement and reduction of the Credit limit under the other Loan agreement. If the Loan agreement contains provisions on a possibility of submission of the above application to the Call center only for the Borrow Category 8, such provision becomes invalid.

7.1.6.2. The Borrower is entitled to request reduction of the Credit limit. For this purpose, the Borrower shall:

address a Bank’s branch with a written application, or

submit an oral application through the Call center of the Bank (in this case registration and confirmation of the application shall be effected according to rules of Section 12 of the General Terms). The oral application of the Borrower is an offer addressed to the Bank about the change to the Loan agreement. The acceptance of the offer shall be deemed the change of the Credit limit by the Bank.

7.1.6.3. The Credit limit can be reduced/cancelled at the discretion of the Bank in any of the below cases:

no Transactions on the Account to which the Credit card is issued during six months;

if during the term of the Loan agreement the Borrower ceased to correspond to the internal criteria of solvency established by the Bank, at its discretion;

in case of closing of Bank’s branches in the city in which the Loan agreement was signed. The name of the city where the Loan agreement



was signed, can be found in the Individual Terms;

in case of improper execution by the Borrower of its loan obligations;

if the Bank identifies the basis for Debt Overburden/approach to the condition of Debt Overburden of the Borrower.

7.1.6.4. The Bank shall notify the Borrower of all cases of change to the Credit limit by means of an SMS message sent to the Contact number of the Mobile phone.

7.1.7. Shall be applicable for Loan Agreements without connecting the Credit Card to the Loyalty Programme:

The annual fee for Credit Card settlementsshall be charged in accordance with the Bank’s Tariffs applicable to the Credit Cards which are effective on the first Business day following the date of debiting of such fee, on the date of debiting of the amount of the first Credit card Transaction. For the second and each subsequent year of service, the annual fee for Credit Card settlements shall be charged not later than the 10th day of the month following the last month following the anniversary of debiting of the annual fee for Credit Card settlementsfor the previous year from the Account in accordance with the effective Tariffs applicable to the Credit Cards which are effective on the date of debiting of such fee, irrespective of whether the Borrower used the Credit Card during that period or not. If the first Credit card transaction is performed using the Additional Credit card, the annual fee for Credit Card settlements shall be charged at the same time for the Main and Additional Credit Cards (not applicable for Individual Design Supplementary Credit Cards).

The Tariffs may set any other terms of payment (charge-off) of fee prevailing over the provisions of the General Terms. If the Borrower intends to refuse to use the Credit Card next year, he shall submit an application to the Bank in order to block the Credit Card and close the Account according to the cl. 7.5.2 of the General Terms no later than the 20th day (inclusive) of the month prior to the month of the charge-off of the annual fee for Credit Card settlements. The annual fee for Credit Card settlements shall be charged for each complete and incomplete year.

7.1.8. Shall be applicable for Loan Agreements concluded from 19.12.2016 with connecting the Credit Card to the Loyalty Programme:

The fee for processing the Card Transactions conducted by the Cards connected to the Loyalty Programme shall be charged in the first Business Day following the date of debiting of the amount of the first Credit Card Transaction from the Account in accordance with the Credit Card Tariffs effective as of the date of writing-off of the fee specified. For the second and subsequent years, the fee shall be charged no later than the 10th day of the month following the last month of each year of processing the Credit Card Transactions conducted by the Credit Card connected to the Loyalty Programme for the next year in accordance with the Credit Card Tariffs effective as of the date of writing-off of the fee specified, regardless of whether the Borrower has used its Credit Card during such period. In case of conducting the first Credit Card Transaction with the use of the Supplementary Credit Card, the fee for processing the Card Transactions conducted by the Cards connected to the Loyalty Programme shall be charged as a lump sum for the Primary and Supplementary Credit Cards (not applicable for the Supplementary Credit Card with individual design).

The Tariffs can establish other terms of payment (write-off) of fees, which have an advantage over the provisions of the General Terms and Conditions. If the Borrower wishes to abandon the use of the Credit Card in the next year, he/she shall contact the Bank with an applicat ion for blocking the Credit Card and closing the Account in accordance with para. 7.5.2 of the General Terms no later than the 20th day (inclusive) of the month preceding the month of writing-off of the fee for processing the Card Transactions conducted by the Cards connected to the Loyalty Programme. The fee for processing the Card Transactions conducted by the Cards connected to the Loyalty Programme shall be charged for each complete and incomplete year.

7.1.9. In cases defined by the Bank, a Package of Documents for a Loan, an application for participation in the insurance program (if applicable)69 may be signed by the Borrower, and the Loan Agreement may be entered into by the parties through the Raiffeisen-Online System. In this case, the Borrower signs a Package of Documents for a Loan (including Individual Conditions), application for participation in the insurance program (if applicable) with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.1. From the side of the Bank, Individual Conditions are signed by the Bank's Electronic Signature.

7.1.10. If the Bank receives objections provided for in clause 2.13 of the General Terms, the Bank shall suspend the Credit Card service from the moment such objections are received by the Bank.

7.2. The Bank sets and carries into effect the Tariffs for Credit Cards annually in March, June, September, December. At setting of new categories and/or types of Credit Cards, cancellation of any payments the Bank is entitled to set and carry into effect the respective Tariffs for Credit Cards at any time.

7.3.Ways to Get Credit Cards

7.3.1. At the request of the Borrower:

7.3.1.1. A Credit Card (with the exception of an Individual Design Credit Card) may be issued to the Borrower when it submits the Application Form. In this case, the name and surname of the cardholder are missing on the Credit Card.

Activation of the Card and its use shall only be possible after a decision has been made by the Bank on the provision of a Credit Limit (applicable to Credit Agreements concluded before July 1, 2014).

Activation of the Card and its use shall only be possible after the Bank has established a Credit Limit to the Borrower. The establishment of the Credit Limit is carried out in accordance with the Individual Conditions (applicable to the Loan Agreements concluded from July 01, 2014).

Activation of the Card and its use shall only be possible after adoption (acceptance) of the offer of the Borrower by the Bank on the conclusion of the Loan agreement (applicable for Loan agreements signed after 13.05.2020).

7.3.1.2. A Credit card may be issued to the Borrower in the Card Delivery Subdivision. In this case, the Borrower undertakes to receive the issued Credit Card within 2 months from the moment of entering into the Loan Agreement, and in case of reissue - from the time of expiry of the previously issued Credit Card (in case of reissue of the Credit Card to the new term at the Bank’s initiative) or appeal of the Borrower to the Bank Division / Call Center of the Bank with a request to reissue the Credit Card.

7.3.1.3. The Credit card can be transferred to the Borrower by mail.

Mailing is carried out within the territory of the Russian Federation.

A Credit card can be sent only to the address of actual residence, except for cases of reissue of a Credit card at the initiative of the Borrower. When a Credit Card is reissued on the initiative of the Borrower, the registered address, address of actual residence, work address can be

69 Applicable for insurance programs for Credit Card Holders with the voluntary consent of the Borrower to participate in the insurance program.



used as the Delivery Address.

The will of the Borrower to send him a Credit Card by mail may be filed by the Borrower through:

‒ Bank Call Center. In this case, during a telephone conversation, the Borrower calls the Bank’s delivery address. Registration of the application is carried out in accordance with the rules of section 12 of the General Terms.

‒ Bank Subdivision. In this case, the Borrower indicates the Delivery Address in the corresponding application.

7.3.1.4. A Credit card can be delivered to the Borrower by courier service.

For delivery of a Credit Card by courier service, the Bank charges a fee in accordance with the applicable Tariffs.

Within the territory of the Russian Federation Courier delivery is carried out to the Delivery address specified by the Borrower, provided that the courier service delivers correspondence to the specified address.

The will of the Borrower to send him a Credit Card by courier service may be filed by the Borrower through:

‒ Bank Call Center (applicable only in case of reissue). In this case, during a telephone conversation, the Borrower calls the Bank’s delivery address. Registration of the application is carried out in accordance with the rules of section 12 of the General Terms. Through the Information Center of the Bank, the Borrower can issue a request for the delivery of a Credit Card by courier service outside the Russian Federation, provided that the courier service delivers correspondence to the specified address. In this case, the Delivery Address, the Borrower, when verbally contacting the Bank’s Information Center, informs the Bank by e-mail of a scanned copy of the signed application for the delivery of the Credit Card no later than the day of contacting the Bank’s Information Center.

‒ Bank Subdivision (applicable only in case of reissue). In this case, the Borrower indicates the Delivery Address in the corresponding application.

‒ Through the System70 (applicable only in case of primary release). The Borrower indicates the Delivery Address in the Questionnaire, and any address can be used as the Delivery Address provided that the courier service delivers correspondence to the specified address. The procedure for certifying the Questionnaire is defined in the clause 10.2.13 of the General Terms.

7.3.1.5. A Credit card can be transferred to the Borrower by means of a postamat set up in the Bank Subdivision (applicable only in case of reissue)71.

The will of the Borrower to issue him a Credit Card by means of a postamat may be submitted by the Borrower through the Call Center of the Bank in accordance with the rules of section 12 of the General Terms. When the Borrower chooses this method of issuing a Credit Card, the Bank sends the code to the Borrower to open the postamat cell to the Borrower’s Mobile Telephone Number. The validity period of the code for opening the postama cell is 5 working days from the moment it is sent to the Borrower.

7.3.2. The Borrower may change the way of the Main Credit Card receipt by filing an appropriate application to a Bank Subdivision or to a Call Centre according to the rules of the Section 12 of the General Terms.

7.3.3. Using a Credit Card is possible only after the Card has been activated. Upon delivery of the Credit Card by the methods specified in 7.3.1.3, 7.3.1.4, 7.3.1.5, the Credit Card is deemed to be received by the Borrower from the moment of its Activation. Upon expiration of the Credit Card storage period in the Bank Subdivision specified in clause 7.3.1.2, or if the Credit Card was not received by the Borrower upon delivery of the Credit Card by the methods specified in 7.3.1.3, 7.3.1.4, 7.3.1.5, and returned to the Bank, the Bank destroys the unclaimed Credit Card, while: - in the case of primary issue - the Loan Agreement is terminated, and the Borrower orders the Bank to close the Account opened in accordance with the Loan Agreement. - in case of reissuance - the Borrower needs to contact the Bank with an application to block the Credit Card and close the Account in accordance with clause 7.5.2 of the General Terms. If the application is not submitted to the Bank, the Account may be closed in accordance with clause 7.5.7 of the General Terms.

7.4.Terms of Credit Cards reissue

7.4.1. If a Credit Card is re-issued, it shall have the new PIN code which may be changed by the Borrower in accordance with clause1.115 of these General Terms.

7.4.2. Prior to the expiry of the earlier issued Credit Card, the Bank may, at its own discretion, automatically re-issue the Credit Card to the Credit Card of the same type for a new period of validity.

In this case, the re-issued Additional Credit Card shall be delivered to the Bank Subdivision Delivering the Card. The Main Credit Card shall be delivered by post to the address of actual residence specified by the Borrower in the Questionnaire72. In case of failure of the Bank at the time of the automatic re-issue of the Main Credit Card to fulfill the obligation to deliver this Credit Card by post, the Credit card will be delivered to the Bank Subdivision. The Borrower will be notified by the Bank by SMS-message to a Contact mobile telephone number of the Client of an automatic re-issue of the Main Credit Card at the initiative of the Bank and, if applicable, of the Bank Subdivision, where the Main Credit Card will be delivered.

7.4.3. Where the Bank terminates (re-)issuance of Credit Cards of the relevant type, the Bank reserves the right to re-issue a different type Credit Card to the Borrower that will be maintained subject to the Credit Card Tariffs applicable to Cards re-issued due to the reasons set by the Bank. In such case, the Bank notifies the Borrower, in any form provided for in Clause 2.14, of changing the Credit Card type, no later than 3 months prior to the Credit Card expiration. Such notification to the Borrower is the Bank’s offer to modify the Loan Agreement addressed to the Borrower. Where the Borrower does not object to re-issuance of a different type Credit Card within 14 calendar days of such notification, the Borrower is deemed to have accepted the Bank’s offer and, on lapse of such term, the Loan Agreement is deemed modified on Parties’ mutual consent. Where the Bank receives the Borrower’s objection to the Bank’s offer within the term indicated in this Clause, the Bank and the Borrower deem such objection to be Borrower’s request to terminate the Loan Agreement on expiration of the current Credit Card, unless otherwise provided for by the General Terms.

7.4.4. The Credit Cards may be re-issued on Borrower’s request. The Borrower may personally apply to a Bank's Subdivision or the Bank’s

70 For the Mobile Application applicable since the technical implementation. 71 The service is provided in separate Bank Divisions. The Client can specify the list of the Subdivisions that provide this service on the Bank’s website, in the Bank Subdivision or in the Information Center. 72 If delivered by mail the mentioned Credit Card is sent by the Bank in the inactivated form and shall not be an electronic instrument of payment until the moment of its Activation.



Information Centre (in accordance with Section 12 of the General Terms) with a request to re-issue the Credit Card:

7.4.4.1. as a Credit Card of the same type with the previous valid through date (where such date occurs later than within 6 months) or with a new valid through date (where the Credit Card's through date occurs within 6 months);

7.4.4.2. as a different type Credit Card with a new valid through date. In this case, Borrower’s request is an offer to the Bank to modify the Loan Agreement. The Bank accepts the offer by re-issuing the Credit Card.

7.4.4.3. as a Credit Card issued to the Borrower on the day it requests a Bank's Subdivision to re-issue a Credit Card (inapplicable to individual design Credit Cards).

7.4.5. Where the Bank ceases to (re-)issue Credit Cards of the relevant type, the Bank may reject Borrower’s request to re-issue a Credit Card.

7.4.6. When requesting its Credit Card to be re-issued under Clauses 7.4.4.1 or 7.4.4.2, the Borrower may change the Card Delivering Subdivision (applicable to both Main and Supplementary Credit Cards) or the Main Credit Card delivery option.

7.4.7. An Additional Credit Card may be re-issued in the name of the Authorized Representative where the Bank was provided with a Power of Attorney to carry out transactions on the Account, for which the Additional Credit Card is issued; the term of such Power of Attorney shall be no shorter than the term of the Additional Credit Card to be re-issued.

7.4.8. The Borrower may not request the Bank by calling the Bank’s Information Centre to re-issue the Credit Card on changing Borrower’s name, Account currency, Borrower’s residence or the Subdivision region where the Account was opened for the Borrower.

7.4.9. The Credit Card is re-issued with the Available Balance sufficient to cover the Credit Card re-issuance fee (if applicable) set by the Credit Card Tariffs applicable as of the re-issuance date.

7.4.10. When the Credit Card type is changed or the Credit Card is re-issued as a Credit Card that is handed in to the Borrower on the day it requests a Bank's Subdivision to re-issue the Credit Card, the Bank Blocks previously issued Supplementary Credit Cards linked to the Account (where applicable).

7.4.11. When the Credit Card type is changed starting from the date of the reissue the interest on principal debt incurred from the date of the reissue will be calculated at the interest rate in effect for the respective Credit Card type.

7.4.12. When the Credit Card type is changed or the Credit Card is re-issued as a Credit Card that is handed in to the Borrower on the day it requests a Bank's Subdivision to re-issue the Credit Card, the fee provided for by clause 7.1.6 or 7.1.8 of the General Terms is charged on the first Business Day following the date of the first Credit-Card Transaction subject to the Credit Card Tariffs, applicable as of the date when such fee is charged. On the second and following years (from the re-issuance date) the fee provided for by clause 7.1.6 or 7.1.8 of the General Terms is charged not later than the 10th day of the month following the last month of each Credit Card settlement/operations processing year for the following settlement/ operations processing year subject to the Credit Card Tariffs applicable as of the date when such fee is charged, whether the Borrower has used the Credit Card during the period or not.

7.5.Credit Cards Terms of Service

7.5.1. As a security of fulfilment of the Borrower’s obligations, the Bank shall have the right to retain funds on the Account; refrain from carrying out the Borrower’s orders during forty (40) calendar days, starting from the date of filing of an application for blocking a Credit card and closing an Account or expiry of the Credit Card; and use such funds as a set-off while making final settlements with the Borrower.

7.5.2. To block the Credit Card and close the Account, the Credit card is issued to, the Borrower shall be entitled to submit a corresponding application at the Bank’s Subdivision or at the Call Centre according to the rules of the Section 12. Within 40 calendar days, the Borrower shall be entitled to cancel the application to block the Credit Card and close the Account by applying to the Bank's Information Centre in accordance with the rules of Section 12 of the General Terms.

The Bank does not accept the application for blocking Credit cards and closing Accounts until the Total Loan Indebtedness is repaid in full.

7.5.3. The Borrower shall be entitled to transfer money within the Positive Balance of his/her Account. The transfer shall only be made exclusively to another account with the Bank in the currency of the Account to which the Credit Card is issued, on the basis of the Client’s / the Borrower’s application provided personally in the Bank's Subdivision or an oral application filed through the Bank's Call Center in accordance with the rules of Section 12 of the General Terms. In the latter case Payment Documents, necessary for carrying out the said Card Account Transaction, to be prepared and signed by the Bank.

7.5.4. The Bank shall permit cash withdrawal to the extent of a daily Cash Withdrawal Limit and a monthly Cash Withdrawal Limit in accordance with the Tariffs on Credit Cards effective as of the date of such withdrawal. The daily Cash Withdrawal Limit shall be limited to one full day (24 hours); the monthly Cash Withdrawal Limit shall be limited to calendar month.

7.5.5. The Borrower has the right to request a change in the Credit Limit.

For reduction of the Credit Limit the Borrower needs:

contact the Bank’ s Subdivision with a written application or

submit an oral application through the Bank's Information Center (in this case, the application is processed and confirmed in accordance with the rules of Section 12 of the General Terms). An oral application of the Borrower is an offer addressed to the Bank to amend the Credit Agreement. The acceptance of the offer will be the change in the Credit Limit by the Bank.

In order to increase the Credit limit, the Borrower needs to contact the Bank's Subdivision with a written application and documents confirming income.

7.5.6. The Borrower is entitled to change the date of Statement of Credit Card:

- Through the System or

- With the use of Bank’s cash machine and Main Credit Card issued in the name of Borrower, for which the Borrower wants to change the of Credit Card Statement Date. The Borrower shall enter its PIN and follow the instructions on the screen of cash machine.

The change of Credit Card Statement Date is possible with fulfillment by the Borrower of the following conditions:

there is no late payment on Сredit Саrd;

Minimal Payment is paid on Credit Card; Credit Card Statement Date hasn’t changed over the last 360 days; There is no Alternative Debt on the Credit Card.

The new Credit Card Statement Date is chosen by the Borrower from the list, proposed by the Bank, which is the date following the final date



of the Payment Period in which the Borrower changes the Credit Card Statement Date.

7.5.7. The Parties hereby confirm to agree mutually of the following: in case no transactions73 were effected within a year with the Account the Credit Card had been issued under the Agreement, as well as the Borrower has no debt, the said Agreement shall be deemed as cancelled upon mutual agreement of the Parties and the Borrower shall order the Bank to transfer the Positive balance on the Account (if any), if it does not exceed 1 (One) thousand of Russian roubles to the Bank's income, to block his/her Credit Card issued under the Agreement and to close the Account opened to the Borrower by the Bank under the Agreement.

7.5.8. The Borrower shall not be entitled to demand by court action performance of the Bank’s obligation to grant the Loan in specie.

7.6.Accrual of Interest for Using Loan Facilities

7.6.1. Interest for using the Loan facilities shall accrue in the currency of the Loan starting from the date following the date of the Loan extension till and including the date of full repayment of the Loan indebtedness.

7.6.2. Interest shall be accrued on a daily basis for the actual period of using the Loan facilities in accordance with the Bank’s Tariffs on Credit Cards effective as of the date of the Credit issue/at the rate indicated in the special offer under the Alternative Payment Service, except in the cases specified in Clauses 7.4.11 and 7.11 of the General Terms. The interest accrued for using the Loan facilities shall decrease the Available Balance as of the Credit Card Statement Date.

7.6.3. The rules of interest accrual shall apply subject to the terms and conditions of the Grace Period, i.e. no interest shall be accrued for using the Loan facilities for Grace Transactions within the Grace Period on the condition of full repayment of Indebtedness as of the date of Statement of Credit Card before the end of corresponding Payment Period. To resume the Grace Period, a full repayment of the Total Loan Indebtedness is required.

For certain types of Credit Cards the Bank establishes a Grace period for 3 (Three) pay periods in accordance with the Tariffs on Credit Cards74. In this case, the interest on the Loan for carrying out privileged operations during the Grace period are not charged if all the following conditions are fulfilled simultaneously:

- timely payment of the Minimum Payments for all Payment Periods, subject to a Grace period;

- complete repayment of the Indebtedness as of the Credit Card Statement Date (Grace Period Indebtedness) before the end of the last Payment Period that is subject to a Grace period.

The first Grace period, consisting of 3 Payment periods, is established from the date of the first Credit Card Operation and then, upon completion by the Borrower of the conditions described above.

The Bank accrues and charges interest (the Grace Period is not applied in this case):

on transactions (or those parts thereof), as a result of which an Overdraft of the credit limit occurred, starting from the day following the Loan Provision Date and up to the date of full repayment of the Overdraft of the credit limit, inclusive;

on the part of the principal debt included in the Alternative Payment in case of late payment of the Alternative Payment.

7.6.4. The Bank is entitled to reduce unilaterally the size of the interest rate specified in the Individual Terms. In this case, the new interest rate will be established in the range of values of interest rates (when applicable), depending on the Category of the Borrower as well as the Rate and the Category of the Borrower chosen by the Borrower in the Individual Terms.

7.6.5. The Bank shall notify the Borrower of the established new interest rate with an SMS message sent to the Contact number of the Mobile phone.

7.6.6. If the Borrower overdraws the set Credit Limit (including an overdraft resulting from the debiting of banking fees from the Account), the Bank shall accrue interest on the overdraft of the Credit Limit (not including the overdraft of the Credit limit resulting from the payment of interest for using Credit limit) at a rate established by the Bank’s Tariffs on Credit Cards effective as of the date of such overdraft in connection with the Borrower’s failure to comply with the Credit Limit set in accordance with clause 1.81 of the General Terms.

7.6.7. The Bank is entitled to offer the opportunity to some Borrowers to activate the Alternative Payment Service. To do this, the Bank sends a proposal (an offer) in the form of an SMS message/Push notification on the website of a trade and service company when the Borrower makes a purchase/payment for services on the Internet. The Bank's offer contains the terms of connection to the Alternative Payment Service (for which Credit Card Transaction an offer is provided, the amount of the reduced interest rate, the amount and number of Alternative Payments). The acceptance of the Bank’s proposal (offer) by the Client is the payment of the Loan in the amount of the first Alternative Payment.

The Borrower has the right to disable the Alternative Payment Service:

- through the Bank Call Center;

- in the System75.

When the Alternative Payment Service is disabled, the unpaid part of the Alternative Debt is transferred to the main debt following the Reporting Period in which the Alternative Payment Service was disabled, interest is calculated in accordance with the Individual Terms and Conditions.

7.7.Repayment of Loan Indebtedness

7.7.1. During the term of the Loan Agreement the Borrower shall repay the Indebtedness as of the date of Statement of Credit Card, on a monthly basis, as at the Credit Card Statement Date (if any) in the amount equal to the Minimum Repayment before or on the last day of the relevant Payment Period, however, not earlier than on the day following the corresponding Credit Card Statement Date. If the Borrower pays the amount exceeding the Minimum Repayment, however, less than the Total Loan Indebtedness, the amount remained after the Minimum Repayment shall be spent for repaying the outstanding Indebtedness as the date of the Credit Card Account Statement.

7.7.2. The Bank is entitled to set the Zero Payment to the selected Clients, information on the establishment of the Zero Payment and its validity period, the Client can find out from the Credit Card Statement as well as in the System.

7.7.3. The Minimum Repayment includes a part of the Indebtedness as the Credit Card Statement Date :

100% of legal costs incurred by the Bank for collecting outstanding amounts,

100% of the amount of the previous unpaid minimum payment (includes both the amount of the unpaid (overdue) principal and the amount

73 For the above case the transactions of charges debited in favor of the Bank, of any fees due to the Bank, fines, penalties, etc. are excluded. 74 The service is provided from the moment of technical realization. 75 The service is provided from technical implementation.



of unpaid interest previously set forth in the Credit Card Statement),

100% of the Credit Limit overlimit,

100% of the interest accrued during the Reporting Period (including that accrued on the Alternative Debt),

100% penalty for failure to perform or improper performance of obligations to repay the debt,

4% of the outstanding principal amount (including part of the Alternative Debt included in the Alternative Payment of the current Reporting Period) excluding the previous unpaid Minimum payment. At the same time, the Bank has the right to establish a percentage of the main debt in the amount of 3% or 5% of the unpaid amount of the principal debt that is different from the above. Information on the amount of the Minimum Payment is reported to the Borrower in the Credit Card Statement. Changes in the percentage of the principal debt do not entail the appearance of new or increase in the size of the existing monetary obligations of the borrower under the Loan Agreement.

7.7.4. If the Total Loan Indebtedness for the loan as at the Statement Date of the current month, except for legal costs and other expenses of the Bank incurred to collect any outstanding amounts, reaches the amount which is equal to less than 600 Russian roubles (or 20 U.S. dollars or 20 Euros), the Minimum Repayment shall be equal to the amount of the Indebtedness as at the date of the Credit Card Account Statement.

7.7.5. Applicable for Credit Agreements concluded before 01.07.2014: for performing actions provided for by the Credit Card Tariffs the Bank shall charge the Client with a fee for monitoring of the overdue debt. If the amount deposited for the purpose of the Minimum Payment is insufficient for payment in full and the difference does not exceed 10 roubles 00 kopecks, the Bank shall reserve its right not to charge a fee for monitoring of the overdue debt.

7.7.6. In case of a failure to make the Minimum Payment within the timeframe established by para. 7.7.1, the Bank shall be entitled to demand immediate repayment of the Total Amount of the loan debt, as well as court costs and other expenses incurred by the Bank to recover such debt (if any).If the Borrower fails to make the Minimum Repayment by the deadline fixed herein, the Bank shall be entitled to declare the Total Loan Indebtedness immediately payable, together with legal costs and other expenses incurred by the Bank to collect any outstanding amounts (if any).

7.7.7. All funds not sufficient for full repayment of the Minimum Repayment and (or) Alternative Payment and Total Indebtedness (excluding the Alternative Debt) incoming to the Account shall be transferred for the repayment towards the Total Indebtedness (if any) applicable as of the date previous to the repayment date (inclusive) with the priority as follows:

1) overdue interest for using the Loan facilities; 2) outstanding principal debt; 3) penalty in accordance with clause 7.8.1 of the General Conditions (if applicable); 4) interest accrued on principal debt; 5) the amount of the principal debt included in the Alternative payment of the current Reporting period; 6) principal debt fixed as of Credit Card Statement Date; 7) principal debt amount arising after the last Credit Card statement Date; 8) legal costs and other expenses of the Bank for indebtedness collection.

7.7.8. If the Borrower has no (repaid in full) Indebtedness (has fully repaid the Indebtedness) as of the Credit Card Statement Date any funds credited to the Account within the period from the Credit Card Statement Date of the current month until the date preceding the Credit Card Statement Date of the next month (both inclusive) shall be transferred for the repayment of principal debt in case any principal debt occurs after the Reporting Period.

7.7.9. In order to make possible prompt Loan settlements, the Borrower shall authorize the Bank to debit the Account, as set out in the General Terms, for the relevant amount in the currency of the Loan, without obtaining any additional consent of the Borrower, within the framework of wire transfers made by the parties using collection letters in accordance with clause 3.17 of the General Terms. In this case, debiting may be made by the Bank in favor of both the Bank and upon request and in favor of any person to whom the Bank may assign its rights under the Loan Agreement. Withdrawal of funds from the Client's Account for the payment of overdue debts on the Credit Card is possible starting from the first day of its occurrence and until the full repayment date. The provisions of this clause shall be an integral part of any bank account agreements concluded between the Bank and the Borrower. If there are any inconsistencies between any provisions of such agreements and provisions of this clause, the provisions of this clause shall prevail. The information on the fact of overdue indebtedness under the Loan Agreement is available to the Borrower free of charge within the System from the day next to the expiration date of the Payment Period.

7.7.10. Information about past due indebtedness under the Loan Agreement is available to the Borrower from the day following the end of the Payment period, free of charge:

In the System;

When applying to the Bank Subdivision;

When applying to the Call Centre.

7.7.11. The funds remaining after full repayment of the Total Loan Indebtedness shall increase the Available Balance.

7.7.12. No interest shall accrue on the amount of the positive balance of the Account.

7.7.13. The Borrower shall be obliged not to set off any counter claims of the same kind in respect of any amounts, payable by him/her to the Bank under the Loan Agreement, neither to make any other withholdings from the said amounts, unless the Borrower is obliged to make such withholdings in accordance with the requirements of the applicable laws of the Russian Federation.

7.7.14. The Borrower's obligations to repay the loan debt, interest, commission fees, as well as for any other payments are deemed to be executed on the date of writing-off of funds from the Borrower's Account to the Bank in the interest of repayment of this debt, and in the event of the performance of such obligations in another way, on the date of receipt The Bank of funds intended for the repayment of this debt, in a different way.

7.8.Liability of the Parties

7.8.1. If it is stipulated by the Individual conditions, the Bank may be charged a penalty for non-fulfilment or improper fulfilment of the obligations to repay the debt, including failure to make the Minimum Payment within the time limits specified in the General Terms. The amount of the penalty is determined by the Individual conditions. Charged penalty reduces the Available Balance on the Credit Card Statement Date.

7.8.2. In the event of failure by the Borrower to perform his obligations under the Loan Agreement, the Borrower shall grant to the Bank the



right without additional consent of the Borrower to directly debit any of the Borrower’s Accounts (irrespective of the currency of such Accounts). The Borrower further agrees to authorise the Bank to convert the funds, available on the Accounts in any currency, into the currency of the payment obligations, which the Borrower has failed to perform, at the exchange rate of the Bank effective as of the date and time of such conversion.

7.8.3. Where any grounds, provided for by the RF current laws, are in place, the Bank shall have the right to demand full prepayment of the Total Indebtedness. The Borrower shall be obliged to prepay the Total Indebtedness in full within thirty (30) calendar days from the date of the Banks’ demand. If the Borrower meets the Bank’s demand, the Agreement shall be deemed terminated by the parties’ agreement. If the Borrower fails to meet the Bank’s demand, provided for by this clause, the Bank shall have the right to recover the outstanding amount through legal proceedings.

7.9.Obtaining a Statement of the Credit Card Account:

7.9.1. The Statement of the Credit Card Account shall be formed on the last day of the every Reporting Period.

7.9.2. The Statement of the Credit Card Account shall be sent to the Borrower by e-mail that was provided by the Borrower to the Bank.

7.9.3. The Bank shall not be liable for the Borrower’s non-receipt of the monthly Statement of the Credit Card Account for reasons beyond the Bank’s control.

7.9.4. The Extended Statement on Credit Card shall be provided upon the Borrower’s written request filed to the Bank Subdivision in accordance with provision of clause 3.17 of the General Terms or at the request of the Borrower in the System . If no Bank Subdivision is available in the city in which the Loan Agreement was made with the Borrower, the Extended Statement on the Credit Card may be sent to the Borrower to the e-mail address indicated by him/her upon calling the Bank’s Call Center in accordance with the rules set forth in Section 12 of the General Terms.

7.10. The Bank is entitled to assign its rights under the Loan Agreement in compliance with the requirements of the legislation of the Russian Federation.

7.11. Particularities of providing services with regard to Credit Cards owned by Borrowers of Borrower Category 3, of Borrower Category 4, Borrower Category 5, and Borrower Category 9

7.11.1. The Bank offers an opportunity to issue a Credit Card (if the Bank finds that the Borrower meets criteria established by the Bank in relation to Borrower’s capacity to repay) under the following conditions:

for employees of the Bank's partner organizations applicable to the Rates applicable to the Borrower Category 3;

for Bank Employees in accordance with Tariffs on Credit Cards applicable for Borrower Category 9;

for Payroll Clients and Individual Payroll Clients in accordance with Tariffs on Credit Cards applicable for Borrower Category 4 and Borrower Category 5 correspondingly (applicable to Loan Agreements concluded after 01.07.2014).

7.11.2. In case of termination of the employment relationship between an employee of the Bank’s partner organization and his employer, the Bank changes the Category of Borrower 3 to Category of Borrower 1. In this case, if the Category of Borrower 3 changes to Category of Borrower 1, the Bank changes the interest rate in the amount and manner stipulated by the Individual Conditions. Starting from the date of the interest rate change, interest on the principal debt is accrued at the changed interest rate. In this case, recalculation of interest accrued at the previously used interest rate is not performed.

7.11.3. Applicable to Loan Agreements concluded before 01.07.2014: in the event of termination of employment relations between a Bank Employee and its Employer, the Bank provides services for the Borrower in accordance with standard Tariffs applicable to the Credit Cards and individuals’ Accounts. The Borrower may familiarise himself with the terms and conditions thereof at any time in the Bank Subdivisions, on the Bank’s Website or through the Bank’s Information Centre (clause 2.13 of the General Terms shall not apply to this situation). In this respect, the Borrower shall be transferred by the Bank to the aforesaid standard Tariffs no later than 14 days of termination of employment relations between the Bank Employee and his/her Employer. Starting from the date of the Borrower’s transfer to Standard Tariffs, the interest on full amount of the principal debt will be calculated at the Bank’s interest rates under the Standard Tariffs in accordance with Cl. 7.6 of the General Terms. The interest accrued at the formerly applied rates will not be recalculated. The Bank shall notify the Borrower about the established interest rate by SMS-message sent to the Contact mobile telephone number of the Client.

7.11.4. Applicable to Loan Agreements concluded after 01.07.2014: in the event of termination of employment relations between a Bank Employee and its Employer, the Bank changes the Borrower Category from Borrower Category 9 to Borrower Category 1. At the change of the Borrower Category from Borrower Category 9 to Borrower Category 1 the Bank changes the interest rate in the amount and under the procedure specified by Individual Terms and starting from the date of interest rate change the interest accrual to principal debt shall be effected under the changed rate, whereat the recalculation of interest accrued at the previous interest rate shall not be applied..

7.11.5. The bank is entitled to change Borrower Category 4 or Borrower Category 5 to Borrower Category 1 if any of the Grounds for detaching a Payroll Client occurs. The Bank shall not introduce any changes to Borrower Category 1 if a Client becomes an Individual Payroll Client within 2 (two) calendar months following the month when the Ground for detaching a Payroll Client occurred (according to Cl.15.5of the General Terms).

7.11.6. The Bank may change Borrower Category 4 or Borrower Category 5 to Borrower Category 1 if all Client’s Cards are closed by the Client within 2 (two) calendar months following the month when the Ground for detaching a Payroll Client occurred.

7.11.7. If there has been no transfers of salary (and/or other payments stipulated by the Agreement) from the Employer to Payroll Client’s Account for over 3 months, the Bank is entitled to forward an enquiry to the Employer in order to receive some information regarding the fact whether this Payroll Client is employed by this Employer or not. Unless the Bank receives a reply from the Employer within 14 calendar days from the date when the enquiry was sent, the Bank shall change Borrower Category 4 or Borrower Category 5 to Borrower Category 1.

7.11.8. Unless the Individual Payroll Client adheres to requirements set forth in Cl. 15.5 of the General Terms, the Bank shall cease to provide services for this Client as for the Individual Payroll Client and shall establish Borrower Category 1 for them.

7.11.9. If consequences stipulated in the Individual Terms for cases of changing the Borrower Category by the Bank occur, services associated with the Credit Card shall be provided according to the changed terms and conditions that are not to be reviewed by the Bank in the event of further changes of the Borrower Category to Borrower Category 4 or Borrower Category 5.

7.11.10. Applicable to Loan Agreements concluded before 07.06.2015: in case the Bank changes the Borrower Category from Borrower Category 4 or Borrower Category 5 to Borrower Category 1 the Bank changes the interest rate in the amount and under the procedure specified by Individual Terms and starting from the date of interest rate change the interest accrual to principal debt shall be effected under the changed rate, whereat the recalculation of interest accrued at the previous interest rate shall not be applied.



7.11.11. In all cases, changes to the Category of the Borrower and the assignment of the Category of the Borrower 1 the Tariffs applicable to the Category of the Borrower 1 begin to apply, with the exception of the interest rate, which changes according to the Individual Conditions.

8. Procedure of Extension and Repayment of Consumer Loans

8.1.Procedure of Loan Extension

8.1.1. In cases determined by the Bank, the Client is entitled to provide scanned copies of documents confirming his solvency / income through the System with the signing of documents in accordance with clause 10.2.15 of the General Terms.

8.1.2. Upon consideration of the documents provided by the Client in the framework of the application for a loan, the Bank shall determine whether the Borrower complies with the creditworthiness criteria set by the Bank. If, in the Bank’s opinion, the Borrower complies with the creditworthiness criteria set by the Bank, the Bank shall enter into a Loan Agreement with the Borrower and extend a Loan to him subject to the terms of the Loan Agreement. The Bank reserves the right to refuse to conclude a Loan Agreement with and to provide a Credit to the Borrower without explaining the reasons of refusal.

The Loan terms and conditions, as regards the interest rate applicable to the Loan, amount of the Loan, period of the Loan, loan service fee76 (if, in accordance with the terms and conditions stated in the Loan Application, the Borrower shall pay such a fee), minimum partial prepayment amount, other terms and conditions of the financing shall be determined by the parties in accordance with the Tariffs effective as of the date of submission of the Borrower’s Questionnaire to the Bank without additional consent of the Borrower, unless otherwise stated in the General Terms/the Loan Application / Individual Terms. For the Loan Agreements concluded before 01.07.2014 the amount of penalty to be paid is determined in accordance with the Tariffs effective as of the date of penalty accrual if in accordance with these Tariffs the amount of penalty is less than that set in the Tariffs effective as of the date of submission of the Borrower’s Questionnaire. In other cases the amount of penalty is determined in accordance with the Tariffs effective as of the date of submission of the Borrower’s Questionnaire. For the Loan Agreements concluded after 01.07.2014 the amount of penalty to be paid is determined in accordance with Individual Terms.

8.1.3. The Borrower is entitled to inform the Bank of its consent to receive a Loan on the conditions specified in the Individual Terms within 14 calendar days from the date of their provision to the Borrower by the Bank. The Borrower shall inform the Bank about the consent by signing the Individual Terms and then transferring them to the Bank.

8.1.4. The Loan shall be extended to the Borrower in a non-cash form by crediting the entire Loan amount to the Account on the date of the Loan extension without further informing the Borrower of this.

8.1.5. When an application is filed in the Raiffeisen Online System, in the cases determined by the Bank, the transfer of the Loan amount can be executed to the already opened account in the loan currency.

8.1.6. The Borrower is entitled to refuse the Loan within one working day from the moment of its signing of the Individual Terms, having notified the Creditor thereof by means of an application to the Information center of the Bank.

8.2.Payment of Interest and Repayment of the Loan

8.2.1. Interest for using the Loan shall be accrued by the Bank in the currency of the Loan on a daily basis, starting from the day following the Loan Extension Date till and including the Loan period ending date/Loan Repayment Date inclusive (considering the provisions of clause 8.8.2 of the General Terms), on the outstanding balance of the Loan (loan indebtedness) to be repaid, being accounted for by the Bank on the Borrower’s loan account (as of the beginning of the Transaction Day), at an interest rate stated in the Loan Application/Individual Terms with reference to the actual number of days of the Interest Period77. The basis for the accrual of interest on the Loan is the actual number of calendar days in the year (365 or 366 days, respectively).

8.2.2. In case the Date for Monthly payment is a non-Business Day the respective Monthly payment shall be made on the first Business Day following the date of the monthly payment and the said date shall be excluded from the calculation when charging interest in the following Interest Period. In case the Date for Monthly payment for the Last Interest Period is a non-Business Day the respective Monthly payment shall be made on the first Business Day following the date of the monthly payment and the said date shall be excluded from the calculation when charging interest in the Last Interest Period.

8.2.3. The Date for Monthly payment may be changed to a different date under the Borrower’s application, subject to agreement with the Bank. In this case, all provisions of the Loan Agreement concerning the Date for Monthly payment apply to the new date.

The Borrower shall be entitled to make an application for changing the Monthly Payment Date by referring to the Bank’s Call Center in accordance with the rules set by Section 12 of the General Terms. In this case, in the course of a phone call, the Borrower shall indicate the desired Monthly Payment Date to the employee of the Bank.

8.2.4. The Borrower shall repay the Loan and pay interest accrued for using the Loan, the loan service fee (where applicable), and monthly insurance payments (where applicable) by monthly annuity repayments, starting from the date of the first payment, stated in the Loan Application / Individual Terms (Date for Monthly payment), in the following manner:

8.2.4.1. The Borrower shall make monthly payment on a particular day of each month, as determined in the Loan Application /Individual Terms (Date for Monthly payment). In order to secure timely payments on the loan the Borrower shall grant the Bank the right without additional consent of the Borrower to directly debit the Account to a relevant amount in the currency of the Loan within the framework of noncash settlements between the Parties by collection orders under clause 3.15 of the General Terms. If the Date for Monthly payment is a non-Business Day, the next monthly payment shall be made on the first Business Day following the Date for Monthly payment.

The amount of monthly insurance payment (if applicable) may be debited within 10 (Ten) Business Days following the date of debiting the next Date for Monthly payment.

8.2.4.2. Any amounts denominated in currency different from the Loan currency which have been obtained by the Bank in any ways within the framework of the performance of the Borrower’s obligations under the Loan Agreement shall relieve the Borrower from its obligations to the Bank only to the extent and subject to the time in which the Bank is able to exchange into the Loan currency the amounts obtained in currencies

76 Earlier this fee was referred to as the “account maintenance fee”, and then the fee was renamed into the “loan service fee” and shall be payable on and subject to the terms and conditions of the Loan Agreement. 77 In case of the Loan Agreements, which were executed on the basis of the Package of Documents submitted by the Client before 23.02.2009 (including that date) to the Bank’s Subdivisions “B” (the list of Subdivisions “B” is available on the Bank’s web site at http://www.raiffeisen.ru/retail/branch/), the Bank shall charge interest for using the Loan through the day on which the Loan is actually repaid. This provision shall apply to all such Loan Agreements from the moment of their execution. This note will also be applicable to the interest accrual provisions set out in clauses 8.4.1 and 8.8.2 of the General Terms.

http://www.raiffeisen.ru/retail/branch/



different from the Loan currency by means of ordinary exchange transactions at the effective internal exchange rate of the Bank for such exchange as at the date of such exchange. If the amounts denominated in currencies different from the Loan currency obtained by the Bank as a result of the aforesaid exchange are not sufficient for repaying the Borrower’s obligations to the Bank in the Loan currency, the Borrower shall pay the Bank in full any missing amount at short notice from the Bank.

8.2.4.3. The last Monthly payment (as seen in the Repayment Schedule) includes the repayment of the whole remaining Loan amount and payment of interests. The interests shall be paid at the rate applicable for the use of all remaining Loan amount for the Last Interest Period.

8.2.4.4. All monthly annuity repayments towards the Loan as well as the payment of accrued interest (save for the last payment) shall be made by the Borrower on or before the Date for Monthly payment. Unless otherwise stipulated below, the amount of the Monthly Repayment is determined according to the formula set out below:

Monthly Payment amount

= OLA Х IR

+ LSF (where applicable) + MIP (where applicable)78 1 - (1 + IR) – (NFIP)

where: OLA – Outstanding Loan Amount as of the calculation date (in the currency of the Loan); IR – monthly interest rate equal to 1/12 of the annual interest rate determined in the Loan Agreement (as a percentage per annum); NFIP is the number of full Interest Periods remaining until the end of the Loan period/Loan Repayment Period; LSF is the amount of the loan service fee determined in the Loan Agreement (if applicable); and MIP is the amount of the monthly insurance payment specified in the Loan Application / Questionnaire and application for participation in the insurance program.

Moreover, if the size of the Last Monthly Payment will be different from the size of a Monthly Payment determined by the above formula, more than 5 percent, the amount of Monthly Payment shall be recalculated in accordance with the following algorithm79:

to the amount of the Monthly Payment determined by the formula, is gradually added (subtracted) by the amount of 0.01 Russian ruble as long as the size of the Last Monthly Payment will not satisfy the following conditions:

Monthly payment rate of 0.95 X = <size of the Last Monthly Payment = <X Monthly Payment rate of 1.05.

The amount of the monthly repayment shall be recalculated in accordance with the above established order if the Borrower performs part of his/her obligations under the Loan Agreement ahead of schedule in accordance with Clause 8.2.5 of the General Terms and/or in the order prescribed by the Individual terms.

In case of change to the interest rate according to the Individual Terms, the amount of Monthly payment is subject to recalculation in the order defined above, proceeding from the Loan amount balance by the time of the interest rate change. In this case, the Bank shall send to the Borrower a corrected Repayment Schedule under the Loan agreement in the order specified in item 8.2.5.4.

8.2.4.5. If no delay in the performance of obligations takes place, a monthly repayment amount shall, first, be applied towards the payment of the loan service fee (where applicable) and interest accrued in the current Interest Period, with the remaining funds applied towards the Loan and monthly insurance payment (where applicable), out of the amount of the Monthly Payment.

8.2.4.6. In case of insufficiency of the Borrower’s funds for the performance of his obligations under the Loan Agreement in full, to fulfil the Borrower’s obligations to the Bank the funds will be directed in the following priority:

1) overdue interest for using the Loan; 2) overdue principal amount of the Loan; 3) penalty (fines) on overdue interest on the Loan (applicable to consumer loans issued since July 01, 2014); 4) penalty (fines) on overdue principal amount of the Loan (applicable to the Loans issued since July 01, 2014); 5) interest accrued on overdue principal amount of the Loan (if applicable); 6) interest for using the Loan; 7) principal amount of the Loan; 8) overdue monthly commission fee (where applicable) for the Loan; 9) monthly commission fee (where applicable) for the Loan; 10) penalty (fines) on overdue interest on the Loan (applicable to the Loans issued until June 30, 2014 inclusive); 11) penalty (fines) on overdue principal amount of the Loan (applicable to the Loans issued until June 30, 2014); 12) penalty (fines) on overdue monthly commission fee (where applicable) for the Loan; 13) legal costs and other expenses of the Bank on debt collection.

8.2.4.7. In case the interest accrued for the Loan amount balance for Interest Period exceeds the Monthly Payment amount calculated in accordance with Cl. 8.2.4.4 of the General Terms the Monthly Payment shall include only the accrued interest equal to the specified Monthly Payment. The balance of the accrued interest shall be included into the subsequent Monthly Payment(s) and, consequently, the payment term of that balance of the accrued interest shall be extended to the payment term of the subsequent Monthly Payment(s) for subsequent Interest Period(s), wherein the Bank does not accrue and the Borrower does not pay the forfeit specified in the Loan Agreement.

8.2.5. If the amount of interest accrued over the Interest Period to the remaining sum of the Loan exceeds the sum of the Monthly payment calculated in accordance with Cl. 8.2.4.4 of the General Terms, the Monthly payment may include only the sum of accrued interest.The Borrower may perform all or part of his/her obligations under the Loan Agreement ahead of schedule in the manner set out below, unless otherwise stated in the Agreement made by and between:

8.2.5.1. The Borrower may provide the Statement of Obligation to the Bank one of the following ways:

personally or by his/her Authorized Representative by referring to the Bank Subdivision; or

by making the Statement of Obligation in the System80.

The Statement of Obligation shall be submitted to the Bank at least 1 (One) Business Day before the proposed date of the Loan prepayment. The only exception is when the full prepayment of the Loan is made at the expense of the new Loan granted by the Bank to the Borrower or when the Loan prepayment is possible, with the consent of the Bank, on the date of the submission of the Statement of Obligat ion by the Borrower to the Bank.

78 Hereinafter in this Section – for Loan Agreements entered into before 30/01/2012, in case of voluntary consent of the Client to participation in the insurance program MIP is taken into account when MIP amount is determined. 79 Not applicable to Loans offered to the Borrower under special conditions stipulated by the Tariffs for Consumer loans. 80 In some cases, there may be technical restrictions on the submission of the Obligation Statement through the System. In these cases, the Borrower may use other ways of filing the Statement of Obligation provided for in the General Terms.



The date of implementation of early repayment of the Loan cannot be later than the date of the nearest Monthly Payment following the date of the Borrower has submitted Statement of Obligation to the Bank.

In cases where the date of the early loan repayment falls on a day that is not a Business Day, the Statement of Obligation is executed in the next following Business Day.

If there are technical restrictions on the execution of the Statement of Obligations in the System, as well as in the absence of a Bank Subdivision in the city in which the Loan Agreement was entered into with the Borrower (including in connection with ongoing measures to optimize the Bank Subdivisions), the Borrower shall be entitled to make the Statement of Obligation with the Bank’s Call Centre. In such a case the Borrower shall give within a phone call all the conditions of early Loan repayment to the Bank employee in accordance with the rules set by Section 12 of the General Terms.

8.2.5.2. When providing the Statement of Obligation to the Bank Subdivision the amount of a partial early repayment, stated by the Borrower, may not be less than the minimum early repayment amount as determined by the Tariffs. The amount of the partial early repayment shall not include the monthly repayment amount and overdue indebtedness amount plus penalty amount (if any).

8.2.5.3. If the Borrower prepays the Loan in full, the interest for using the Loan as well the loan service fee (where applicable), accrued before the date of such early repayment, shall be payable in full on the date of the full discharge of the obligation.

8.2.5.4. After the Borrower prepays the Loan in part, Loan Term/ Loan Repayment Term remains unchanged and the amount of the Monthly Payment shall be recalculated in accordance with the cl.8.2.4.4 of the General Terms and/or in the Loan Application/ Individual Terms based on the remaining Loan amount after the partial early repayment of the Loan. The Bank shall then compile a new calculation of the full loan value (if the partial early repayment of the Loan resulted in change of the full loan value) and the adjusted Repayment Schedule and provide it to the Borrower at the Borrower’s personal reference to the Bank Subdivision or by e-mail to the address supplied by the Borrower to the Bank.

When making the partial early repay of the Loan, if the total of interest accrued for the Interest Period when the partial early repayment of the Loan is made exceeds the amount of the Monthly Payment calculated after the partial early repayment of the Loan according to the formula set in cl. 8.2.4.4 of the General Terms), than the Monthly Payment may include only the accrued.

8.2.5.5. In case of insufficiency of the funds for full or partial repayment of the loan respectively (depending on whether the Borrower planned to repay the indebtedness fully or in part), no early Loan repayment shall occur.

8.2.5.6. If the Loan was not claimed81 by the Borrower after 1 (one) month from the Loan Extension Date, the Parties shall, by mutual agreement, establish that in this way the Borrower expresses its intention to make early repayment of the Loan from the funds held on the Account at the date of such redemption, and refuses to participate in the group insurance program of the Borrowers of Consumer Loans (if applicable), without the Borrower providing a separate Statement of Obligation and an application for refusal to participate in the program. Group Insurance of Borrowers of Consumer Loans (if applicable).

Within 1 (One month) from the Loan Extension Date, provided that the Loan was not claimed by the Borrower, the Borrower has the right to apply to the Bank with a statement (in free form) that the Borrower does not need this Loan. In this case, early repayment of the Loan is carried out in the manner established above.

8.2.6. The Bank shall inform the Borrower on overdue debt under the Loan Agreement no later than seven (7) calendar days from the date of the above overdue debt appearance by SMS message to the Contact mobile telephone number of the Client.

8.2.7. If the Borrower fails to perform his/her obligations to repay the Loan and pay interest for using the Loan, the Bank shall reserve the right to the Borrower a notice in writing of his/her obligations to repay the indebtedness to the Bank.


8.3.Grounds for Loan Acceleration

8.3.1. The Borrower shall prepay the Loan before the expiration of the Loan Period/Loan Repayment Period on demand of the Bank, pay the interest for using the Loan and fully discharge his/her other pecuniary obligations under the Loan Agreement upon occurrence of any of the Loan acceleration events provided for by the RF current laws without additional consent of the Borrower;

8.3.2. The fact of occurrence of a Loan acceleration event shall be ascertained by the Bank. The grounds for the Loan acceleration shall be deemed to have occurred on the calendar day following the date on which the Bank gives a relevant notice in writing to the Borrower.

8.3.3. Upon occurrence of any of the Loan acceleration events set forth in clause 8.3.1 of the General Terms, the Bank shall first satisfy its claims by directly debiting the Borrower’s funds from Accounts opened with the Bank.

8.3.4. In the event of insufficiency of funds on the Borrower’s Accounts, the Bank shall, at its sole discretion, use any remedies compliant with the applicable laws of the Russian Federation.

8.4.Obligations of the Borrower

8.4.1. To repay in full all funds, received under the Loan Agreement, and pay all interest accrued by the Bank, the loan service fees (where applicable) and monthly insurance payments (where applicable) for the entire period of actually using the Loan during the Loan period /Loan Repayment Term, starting from the Loan Extension Date, and any other payments payable by the Borrower to the Bank under the Loan Agreement.

8.4.2. To repay the Loan and pay the interest accrued by the Bank, the loan service fee (where applicable) and monthly insurance payments (where applicable) by making monthly annuity repayments, as stated in clause 8.2 of the General Terms.

8.4.3. To prepay the Loan, pay the interest accrued for using the Loan and make any other payments payable by the Borrower to the Bank under the Loan Agreement no later than thirty (30) calendar days from the date that a written demand was made by the Bank for the prepayment of the Loan by the Borrower on the grounds stated in clause 8.3 of the General Terms.

8.4.4. To familiarize himself with the terms and conditions of the Loan Agreement, including the General Terms, Card Use Regulations, Tariffs, the Loan Application/Individual Terms, etc., comply with and duly perform the same.

81Claim of the Loan is understood as any expense transaction on the Account, including: withdrawal of cash in ATMs of the Bank, other credit institution or at the cash office of trade and service enterprises, cashless transfer, debiting of funds when making payments in the trading / service enterprise, as a result of which the available balance of the Account has become less then Available Account Balance before the Loan was credited to the Account, except for the write-offs that the Bank carries out without obtaining additional consent of the Borrower in accordance with the General Terms.



8.4.5. To notify the Bank of any changes of his/her residence (registration) address, location, contact telephone numbers, of any changes of place of employment (profession, position), changes of name, details of ID document, details of document confirming the right of a foreign citizen/a person a stateless person to stay (to live) in the territory of the Russian Federation, changes of citizenship and of any other circumstances able to affect the fulfilment of the obligations hereunder not later than within 3 (Three) calendar days from the date of such circumstances, personally, filing the respective application to a Bank Subdivision..

8.4.6. To notify the Bank in writing in advance of any temporary (in excess of one month) absence of the Borrower in at least one of the constituent entities of the Russian Federation, where the Bank has a Subdivision, or of any other circumstances lasting longer than one month as a result of which the Borrower will be unable to perform the obligations under the Loan Agreement himself.

8.4.7. To reimburse the Bank for any costs, actually incurred by the Bank or any persons engaged by the Bank in connection with the enforcement of the Loan and the recovery of interest and other amounts payable by the Borrower under the Loan Agreement, as well as to reimburse the Bank for any expenses relating to the enforcement of the indebtedness and/or any of the Bank’s rights under any collateral agreements, executed as a security of the performance by the Borrower of his/her obligations under the Loan Agreement (if any collateral agreement were ever concluded). If the Borrower fails to reimburse any such costs voluntarily, the relevant amounts shall be directly debited from any of the Borrower’s Accounts opened with the Bank without additional consent of the Borrower.

8.4.8. The Borrower shall not have the right to set off any counter claims of the same kind in respect of any amounts, payable to the Bank under the Loan Agreement, as well as to make any other withholdings from the said amounts, unless the Borrower is obliged to make such withholdings in accordance with the requirements of the applicable laws of the Russian Federation.

8.5.Obligations of the Bank

8.5.1. To extend the Loan to the Borrower in accordance with the terms and conditions of the Loan Agreement.

8.6. Rights of the Borrower

8.6.1. To prepay the Loan in full or in part in accordance with clause 8.2 of the General Terms.

8.7.Rights of the Bank

8.7.1. To demand the accelerated performance of the obligations under the Loan Agreement by giving a written demand of prepayment of the Loan and payment of the interest accrued for using the Loan and any other amounts payable by the Borrower to the Bank under the Loan Agreement upon the occurrence of loan acceleration events in accordance with the Loan Agreement.

8.7.2. Without the consent of the Borrower to assign to any other party, including a person who does not have a license to carry out banking activities, pledge or otherwise dispose of any of its rights under the Loan Agreement in compliance with the rules cession. The Bank may disclose any information about the Borrower and the Loan Agreement to any party to which it may assign its rights under the Loan Agreement provided that the requirements of the legislation of the Russian Federation are met.

8.8.Liability of the Parties

8.8.1. The Borrower shall be liable for any failure to perform or improper performance of his obligations under the Loan Agreement to the extent of all his/her income and all his/her property.

8.8.2. In the event of any delay in making a Monthly Payment or failure to make a Monthly Payment fully or partially, or untimely repayment of the Borrower’s other indebtedness under the Agreement, the Borrower shall pay a late charge in the amount and manner stated in the Tariffs (applicable to Loan Agreements concluded before 01.07.2014) / Individual Terms (applicable to Loan Agreements concluded after 01.07.2014). Starting from the date of accrual of the late charge, the Bank shall not accrue the interest for using the Loan on the overdue indebtedness amount that the late charge is accrued on, and the Borrower shall not pay such interest.

8.9.Miscellaneous

8.9.1. The Loan Agreement provision governing the relations between the Borrower and the Bank in respect of extension of the Loan shall be effective from the date the Loan Agreement comes into effect until the Borrower discharges his/her obligations relevant to the Loan extension in full. If it is impossible to explicitly determine the effectiveness period in respect of any of the provisions of the Loan Agreement, the relevant provision of the Loan Agreement shall be deemed to be effective.

8.9.2. Amendments to the Loan Agreement are made out by the parties in writing of additional agreement (s). The method of execution of additional agreements to the Loan Agreement is determined by the Bank. If there are any contradictions between any provisions of the Individual Conditions and the provisions of this paragraph, the provisions of this paragraph will prevail.

8.9.3. The Bank and the Borrower mutually undertake to keep confidential any financial or other information received from each other. The disclosure of any such information to third parties shall be subject to a written consent of the other party or shall be allowed in the instances provided for by the applicable laws of the Russian Federation. This provision shall not extend to the relations arising as a result of assignment by the Bank of its rights under the Loan Agreement, or claiming the indebtedness under the Loan Agreement involving third parties.

8.9.4. The procedure of interest repayment and the Loan repayment (including the full/ partial prepayment of the Loan) may differ from the procedure specified by the General Terms and be specified directly by the Loan Application / Individual Terms. The provisions of the latter shall prevail over the provisions of the General Terms.

8.9.5. The Borrower shall not be entitled to demand by court action performance of the Bank’s obligation to grant the Loan in specie.

8.10. Repayment of the debt under the Loan Agreement when receiving insurance payment

8.10.1. The parties hereby consenting agreed that on receipt to the Bank’s or the Borrower's account of insurance payment for the risk of death, permanent total disability under the insurance contract of the Borrower, early repayment of debt under the Loan Agreement will be made in the manner described below.

8.10.2. Early repayment of debt under the Loan Agreement shall be made without compiling of any additional documents by the Borrower and without signing of any additional agreements by the parties.

8.10.3. If the amount of insurance payment is equal to or exceeds the amount of actual debt under the Loan Agreement, then a full early repayment of debt under the Loan Agreement is implemented. Funds remaining after repayment are sent to the Account opened in Russian roubles. If, in accordance with Russian tax legislation, the Bank in connection with the implementation of these actions is obliged to calculate and withhold the amount of tax on personal income the amount, to be refunded and credited to the Account opened in Russian roubles, will be reduced by the amount of the calculated tax.



8.10.4. If the amount of insurance payment is insufficient to repay the actual debt under the Credit Agreement in full, then a partial early repayment in an amount equal to the amount of insurance payment Loan is implemented, taking into account the priority established in n. 8.2.4.6 of the General Terms. Further debt repayments are made in the manner prescribed by the Loan Agreement, taking into account the provisions of paragraph. 8.2.5.4 of the General Terms.

8.11. Debt repayment under the Loan Agreement on receipt of M(F)C funds.

8.11.1. Hereby the Parties mutually agree that where the Bank receives M(F)C (or part thereof) in the name of the Bank and specifying in the payment purpose of the Borrower's full name, number and date of the Loan Agreement, the debt under the Loan Agreement is prepaid as described below.

8.11.2. The debt under the Loan Agreement is prepaid without the Borrower issuing any additional documents and without the Parties signing any additional agreements.

8.11.3. The Loan is repaid and the interest accrued thereon is paid out of the M(F)C (or part thereof) as described below:

the money of the M(F)C (or part thereof) is transferred by the Pension Fund of the Russian Federation (or its territorial body)/territorial body (structural subdivision) of social security in non-cash form to the Bank’s bank account, as provided for by Russian law;

the Bank uses the money received to its bank account to repay Borrower’s liability under the Loan Agreement on or prior to the Business Day following the receipt of M(F)C (or part thereof) to the Bank’s account. For this purpose, the Borrower instructs the Bank to make, within the term set in this Clause, an early repayment of the Loan in the amount of the M(F)C (or part thereof) received, as provided for by the Loan Agreement. In this case, the Bank does not require a separate written Statement of Obligation;

Borrower’s liability under the Loan Agreement is discharged in the following priority order:

1) the overdue principal amount under the Loan;

2) overdue interest accrued on the Loan;

3) the principal amount of the Loan;

4) Loan interest accrued prior to Borrower’s discharge of its liabilities under the Loan Agreement using the M(F)C.

8.11.4. M(F)C (or part thereof) may not be used to pay for any fines, fees, or penalties for delays under the Loan Agreement.

8.11.5. Where the M(F)C amount is insufficient to fully repay the actual debt under the Loan Agreement, the debt under the Loan Agreement is prepaid partially in the amount equal to the M(F)C amount, given the priority order set by Clause 8.11.3 of the General Terms. Further repayment is made as provided for by the Loan Agreement, given the terms of Clause 8.2.5.4 of the General Terms.

9. Procedure for settlement of loans for the procurement of a Vehicle82

9.1.Loan Agreement

9.1.1. The Bank provides a Loan to the Borrower on the terms specified in the Loan Application/Individual Terms and these General Terms and Conditions, and the Borrower agrees to fulfil its obligations under the Loan Agreement in full, including the return of the obtained Loan and pay interest on the Loan established by the Loan Agreement. The Borrower will utilize the entire Loan amount.

9.2. Procedure for interest payment and Loan settlement

9.2.1. The Bank will charge Interest on the Loan daily in the currency of the Loan, beginning on the day following the Loan Extension Date until the final day of the Loan Period established in the Loan Application / Loan Repayment Term established in Individual Terms for the remaining Loan amount (outstanding debt) to be repaid, accounted by the Bank in the loan account of the Borrower (at the beginning of the Banking Day), at the rate specified in the Loan Application / Individual Terms and based on the actual number of days in the interest calculation period. The basis for the accrual of interest on the Loan is the actual number of calendar days in the year (365 or 366 days, respectively).

9.2.2. Borrower repays the Loan and pay interest accrued on the Loan by Monthly Payments, starting from the Monthly Payment Date, in the following order:

9.2.2.1. The amount of the Monthly Payment (except for the last Monthly Payment) is determined according to the formula set out below (unless otherwise stated below):

Monthly Payment amount = OLA х IR

1 - ( 1 + IR) – (Months) where: OLA – Outstanding Loan Amount as of the calculation date (in the currency of the Loan); IR – monthly interest rate equal to 1/12 of the annual interest rate determined in the Loan Application/Individual Terms (as a percentage per annum); Months – the number of full Interest Periods remaining until the end of the Loan period/Loan Repayment Period. For the loan program of Vehicle purchase with option of its re-purchase83 the Monthly Payment amount (except for the last Monthly Payment) is determined according to the formula set out below:

Monthly Payment amount = (OLA-RP) х IR

+RP*IR 1 - ( 1 + IR) – (Months.)

where: OLA – Outstanding Loan Amount as of the calculation date (in the currency of the Loan); RP – the rest payment under the Loan; IR – monthly interest rate equal to 1/12 of the annual interest rate determined in the Loan Application/Individual Terms (as a percentage per annum); Months – the number of full Interest Periods remaining until the end of the Loan period/Loan Repayment Period. In case of extension of the Loan term under the Loan Agreement the interest rate on the Loan may be changed under the agreement of the parties in accordance with the Bank Tariffs applicable as at the date of the respective supplement agreement concluded by the parties. 9.2.2.2. Monthly Payments shall be paid by the Borrower on the Monthly Payment Date, and a Monthly Payment cannot exceed the remaining Loan amount (outstanding debt) to be repaid and the interest accrued for the paid Interest Period. If the date of a Monthly Payment

82 From 25.03.2015 new Loan Agreements for the procurement of a Vehicle are not concluded by the Bank. 83 The loan program of Vehicle purchase to be specified by the Borrower in the Questionnaire.



falls on a day that is not a Business Day, the payment of a regular Monthly Payment shall be effected on the first Business Day following the established Monthly Payment Date. To ensure timely Loan payments the Borrower authorizes the Bank to debit the Account with the appropriate amounts within the above timelines without additional consent of the Borrower.

9.2.2.3. The Monthly Payment Date may be changed according to the Borrower’s application subject to the Bank consent to other date. In this case all the provisions of the Loan Agreement relating to the Monthly Payment Date shall be applicable to the specified other date.

The Borrower shall be entitled to make an application for change the Monthly Payment Date by calling the Bank’s Call Center in accordance with the rules set by Section 12 of the General Terms. In this case, in the course of a phone call, the Borrower shall indicate the desired Monthly Payment Date to the employee of the Bank. 9.2.2.4. In case the Monthly Payment Date is a non-Business Day the respective Monthly payment shall be made on the first Business Day following the Monthly Payment Date and the said date shall be excluded from the calculation when charging interest in the fol lowing Interest Period. In case the Monthly Payment Date for the Last Interest Period is a non-Business Day the respective Monthly payment shall be made on the first Business Day following the monthly payment date and the said date shall be excluded from the calculation when charging interest in the Last Interest Period.

9.2.2.5. On the Monthly Payment Date the Borrower shall ensure that the Account holds sufficient funds to pay the Monthly Payment.

9.2.2.6. The Borrower shall pay Monthly Payments on a monthly basis, starting from the date of the first Monthly Payment in the amount specified in the Loan Application/Individual Terms.

9.2.2.7. Without any delay in the fulfilment of obligations by the Borrower, the Monthly Payment amounts received by the Bank in the first place settle the obligation to pay accrued interest for the current Interest Period and the remaining part is allocated to the account of the Loan repayment.

9.2.2.8. In the event of the Borrower’s funds being insufficient to perform its obligations under the Loan Agreement in full, the Bank shall settle the liabilities in the following order:

1) overdue interest for using the Loan; 2) overdue principal amount of the Loan; 3) penalty (fines) on overdue interest on the Loan (applicable to the Loans issued since July 01, 2014); 4) penalty (fines) on overdue principal amount of the Loan (applicable to the Loans issued since July 01, 2014); 5) interest accrued on overdue principal amount of the Loan (if applicable); 6) interest for using the Loan; 7) principal amount of the Loan; 8) overdue monthly commission fee (where applicable) for the Loan; 9) monthly commission fee (where applicable) for the Loan; 10) penalty (fines) on overdue interest on the Loan (applicable to the Loans issued until June 30, 2014 inclusive); 11) penalty (fines) on overdue principal amount of the Loan (applicable to the Loans issued until June 30, 2014); 12) penalty (fines) on overdue monthly commission fee (where applicable) for the Loan; 13) legal costs and other expenses of the Bank on debt collection.

9.2.3. When signing the Loan Agreement, the Borrower shall authorize the Bank to debit funds from the Account or the Current Account of the Borrower without obtaining additional consent of the Borrower, as well as any other accounts opened for the Borrower in the Bank, to repay any Borrower’s debt under the Loan Agreement, including the occurrence of circumstances requiring early recovery of debt as defined by the Loan Agreement. In this case, the write-off is a right, not an obligation of the Bank, and the Bank may perform such transactions in favour of the Bank and on behalf and for the benefit of any entity to whom the Bank may assign its rights under the Loan Agreement. The provisions of this paragraph constitute an integral part of any Bank Account Agreement signed between the Bank and the Borrower. In the event of any conflict between the provisions of such Agreements and the provisions of this paragraph, the provisions of this paragraph shall prevail.

9.2.4. Any amounts in currencies other than the currency of the Loan received by the Bank by any means, as the fulfilment of the Borrower’s obligations under the Loan Agreement, will exempt the Borrower from its obligations to the Bank only to the extent and within the time lines in which the Bank shall be able to convert into the currency of the Loan such amounts received in currencies other than the currency of the Loan, by means of normal currency exchange operations applying the current internally generated rate of the Bank for such conversion as of the date of such exchange. If the amounts in currencies other than the currency of the Loan received by the Bank as a result of the above-described exchange would be insufficient to settle the Borrower’s obligations to the Bank in the currency of the Loan, the Borrower agrees to fully compensate the Bank for the remaining amount on the Bank’s demand.

9.2.5. The Bank shall inform the Borrower on overdue debt under the Loan Agreement no later than seven (7) calendar days from the date of the above overdue debt appearance by SMS message to the Contact mobile telephone number of the Client.


9.3. Rights of the Borrower:

9.3.1. To effect full or partial early settlement of the Loan on the terms and within the timelines specified in the Loan Application/Individual Terms and these General Terms and Conditions;

9.3.2. Upon the Bank’s consent, to change the account opened in order to fulfil the obligations under the Loan Agreement for another current account opened with the Bank in the name of the Borrower in the currency of the Loan. In this case, all the provisions of the Loan Agreement, Pledge Agreement and Surety Agreement pertaining to the Borrower’s Account and the procedures for the Borrower’s fulfilment of its obligations under the Loan Agreement shall apply to the specified new account.

9.4. Duties Of the Borrower:

9.4.1. to repay the received Loan and pay all interest accrued by the Bank in accordance with the terms of the Loan Agreement and any other liabilities (if any);

9.4.2. to make early repayment of the Loan by addressing the Bank with a Statement of Obligation in the manner specified in the General



Terms and Conditions and Loan Application/Individual Terms when the Seller returns cash for the Collateral if the Pledger refuses to deliver under a sales agreement.

9.4.3. to repay the Loan, to pay accrued Loan interest and other liabilities (if any) no later than thirty (30) calendar days, and in the event of arrest, sequestration, repossession of a Collateral, termination of ownership of a Collateral (including the return to the Seller) - no later than 2 (two) Business days from the date of the occurrence of circumstances requiring the Bank to demand early recovery of debt as specified in Cl. 9.5.3 of these General Terms and Conditions.

9.4.4. to notify the Bank :

1) within a 5-day period - of the initiation of a special proceeding claiming a partial or complete disability of an individual against the Borrower, the establishment of incorrect entries in civil registry books, civil proceedings against the Borrower that could affect the performance of its obligations under the Loan Agreement (counting from the date when the Borrower becomes aware of the circumstances);

2) within a 10-day period – of a change of residence, identity document details, family composition, employment (change of employer), name and other details that may affect its delivery of obligations under the Loan Agreement.

9.4.5. to notify the Bank in advance in writing in the event of the Borrower’s temporary absence from the place of residence or place of stay for over one month, or in the event of other circumstances in effect over one month, due to which the Borrower is not able to independently carry out their duties under the Loan Agreement;

9.4.6. to reimburse the Bank for all expenses actually incurred by the Bank or its agents associated with the enforcement of Loan repayment and payment of interest and all debts of the Borrower under the Loan Agreement, as well as reimburse the Bank for the costs related to the enforcement of a debt and / or implementation of the Bank’s rights under any security agreements signed as collateral of the Borrower’s fulfilment of its obligations under the Loan Agreement. In the event of failure to voluntarily compensate these costs to the Bank, the respective amounts will be debited from any account of the Borrower opened with the Bank in accordance with Cl. 3.5 of these General Terms and Conditions;

9.4.7. If the amount of insurance compensation received by the Bank is insufficient to meet all the requirements of the Bank under the Loan Agreement, to repay the debt from its own funds;

9.4.8. If requested by the Bank, to provide information about its financial status and income (income statement of an individual for the current and previous calendar year in the format established by the Russian Federal Taxation Service, a certificate in the form agreed upon with the Bank, certified by the employer).

9.5. The Bank shall have the right to:

9.5.1. demand early repayment of the full debt under the Loan Agreement by filing a written demand for early repayment of the Loan, accrued Loan interest or other indebtedness to the Bank (if any) in the cases established by the Loan Agreement (Clause 9.8 of these General Terms);

9.5.2. in the event of the Borrower’s failure to satisfy the Bank's demand for early repayment of debt under the Loan Agreement, to foreclose on the collateral pledged to secure the fulfilment of the Borrower’s obligations;

9.5.3. assign to any other person, to pledge or otherwise dispose of any of its rights under the Loan Agreement. In this case the Bank shall have the right to disclose to third parties any information about Borrower (Pledger / Guarantor) and the Agreement with them;

9.5.4. check the intended use of the Loan, including controlling the order of payments under the Collateral sales Agreement;

9.5.5. demand from the Borrower to provide information and relevant supporting documents on the performance of its obligations under the Loan Agreement by filing a written request.

9.6. The Bank undertakes to:

9.6.1. properly fulfill its obligations under the Loan Agreement.

9.7. Procedure for early repayment of the Loan

9.7.1. The Borrower shall be entitled to full or partial early repayment of the Loan as provided for in the Loan Application/Individual Terms and in accordance with following order of full or partial early repayment of the Loan:

9.7.1.1. The Borrower may provide the Statement of Obligation to the Bank:

personally or by his/her Authorized Representative by referring to the Bank Subdivision; or

by making the Statement of Obligation in the System84.

The Statement of Obligation shall be submitted to the Bank at least 1 (One) Business Day before the proposed date of the Loan prepayment. The only exception is when the full prepayment of the Loan is made at the expense of the new Loan granted by the Bank to the Borrower or when the Loan prepayment is possible, with the consent of the Bank, on the date of the submission of the Statement of Obligation by the Borrower to the Bank.

The date of implementation of early repayment of the Loan cannot be later than the date of the nearest Monthly Payment following the date of the Borrower has submitted Statement of Obligation to the Bank.

In cases where the date of the early loan repayment falls on a day that is not a Business Day, the Statement of Obligation is executed in the next following Business Day.

If there are technical restrictions on the execution of the Statement of Obligations in the System, as well as in the absence of a Bank Subdivision in the city in which the Loan Agreement was entered into with the Borrower (including in connection with ongoing measures to optimize the Bank Subdivisions),the Borrower shall be entitled to make the Statement of Obligation with the Bank’s Call Centre in accordance with the rules set by Section 12 of the General Terms. In such a case the Borrower shall give within a phone call all the conditions of early Loan repayment to the Bank employee.

84 In some cases, there may be technical restrictions on the submission of the Obligation Statement through the System. In these cases, the Borrower may use other ways of filing the Statement of Obligation provided for in the General Terms.



9.7.1.2. When applying to the Bank Subdivision with a Statement of Obligation, the amount stated by the Borrower for partial early repayment of the Loan shall not be less than the amount indicated in the Loan Application/USD/EUR 330 or RUB 10,000 (depending on the Loan currency). The amount of partial early repayment shall not include the Monthly Payment and the amount of the overdue debt given the late charge (if available). 9.7.1.3. In the event of the Borrower’s full early repayment of the Loan, the interest accrued as of the date of such early repayment shall be payable in full at the date of full early repayment of the Loan.

9.7.2. After the Borrower’s partial early repayment of the Loan, the Loan Period shall remain unchanged and the Monthly Payment amount shall be recalculated according to the formula for calculating Monthly Payments specified in Clause 9.2.2.1 of the General Terms or in the Loan Application, based on the Loan balance after the partial early repayment of the Loan. The Bank shall then compile a new calculation of the full loan value (if the partial early repayment of the Loan resulted in change of the full loan value) and the adjusted Repayment Schedule and provide it to the Borrower at the Borrower’s personal reference to the Bank Subdivision or by e-mail to the address supplied by the Borrower to the Bank.

If the Borrower makes the partial early repay of the Loan not at the Monthly Payment Date (if the total of interest accrued for the Interest Period when the partial early repayment of the Loan is made exceeds the amount of the Monthly Payment calculated after the partial early repayment of the Loan according to the formula set in cl.9.2.2.1 of the General Terms), the first Monthly Payment after the partial early repayment of the Loan shall include the interest accrued for the Interest Period when the partial early repayment of the Loan was made. Thus the amount thereof (after the partial early repayment of the Loan) may differ from any further Monthly Payments but cannot exceed the amount of the previous Monthly Payment.

9.8. Reasons for early debt withdrawal by the Bank

The Bank may demand early withdrawal of a debt under the Loan Agreement on the grounds stipulated by the current legislation of the Russian Federation including, but not limited to:

9.8.1.1. When the Borrower violates the deadlines for Monthly Payments;

9.8.1.2. When the Loan is used fully or partially for the purpose other than the Loan Objective, or the Borrower fails its responsibility to ensure the possibility of the Bank’s control of the intended use of the Loan;

9.8.1.3. Non-fulfilment of obligations by the Insured to insure the Collateral;

9.8.1.4. If or the Borrower fails its responsibility to ensure repayment of the Loan, in the vent of the Collateral loss or deterioration of its condition due to circumstances for which the Bank is not responsible;

9.8.1.5. If or the Pledger fails its responsibility to inform the Bank in written of any third party rights for the Loan Objective as known to the Pledger.

The fact of the reason for the early recovery of debt shall be established by the Bank. Such a reason shall be deemed to have occurred on the next calendar day after the date of the Bank’s written notice sent to the Borrower.

9.9. Procedure of information interchange between the Bank and the Borrower (applicable to Loan Agreements concluded before 01.07.2014)

9.9.1. Unless otherwise provided in the General Terms any notice or other message the parties send to each other shall be formalized in writing.

A notice or other correspondence from one party to the other party shall be valid (deemed received) when such a notice or message is formalized in writing and sent to the address specified in the Loan Application or delivered in person. If the Borrower and / or the Pledger and / or the Guarantor notifies the Bank of any changes of address specified in the Loan Application, any notice or message sent to such address shall be deemed duly sent and generating the appropriate legal consequences. Correspondence can be sent by mail or courier post with confirmed receipt by the addressee.

9.9.2. All correspondence shall be sent to the addresses of the Parties specified in the Loan Application.

9.9.3. Borrower, Pledger, Guarantor shall notify the Bank of any changes of their contacts specified in the Loan Application in the manner specified in the General Terms and Conditions. All correspondence shall be valid after the actual receipt, unless otherwise provided in the Loan Application and the General Terms and Conditions. If the correspondence is not sent in accordance with the conditions described above, the correspondence is not considered delivered and the party sending such correspondence shall have no right to refer to it.

9.10. The means of information interchange between the Bank and the Borrower for Loan Agreements concluded after 01.07.2014 are specified in the Individual Terms.

9.11. Parties’ liability

9.11.1. The Borrower shall be responsible to the Bank for any failure to perform its obligations under the Loan Agreement with all of its income and all of its property; Pledger shall be liable to the Bank with the Collateral as per the Pledge Agreement.

9.11.2. Should the Borrower violate the terms of Monthly Payment or fail to pay a Monthly Payment in whole or in part, or delay repayment of any other debt of the Borrower under the Loan Agreement, the Borrower shall pay to the Bank a penalty in the amount specified in the Loan Application / Individual Terms. From the date of the penalty accrual commencement, the Loan interest specified in the Loan Application / Individual Terms, for the amount of overdue Loans, for which penalty is charged will not be accrued by the Bank nor paid by the Borrower.

9.11.3. In the event of the Borrower’s non-performance or improper performance of its obligations under the Loan Agreement, Guarantor and the Borrower shall be jointly and solidarily liable to the Bank.

9.12. Other terms and conditions

9.12.1. The Parties undertake to keep financial and other information confidential. The disclosure of such information to third parties shall be performed only upon the written consent of the parties or in cases stipulated by the legislation of the Russian Federation. This provision does not apply to legal relations arising in the event of the Bank’s assignment of rights under the Loan Agreement and security Agreements.

9.12.2. Unless otherwise implied by the law of the Russian Federation, these General Terms and Conditions, the Loan Application / Individual Terms and the Offer Application, the terms of a Loan Agreement, Pledge Agreement, and Surety Agreement can only be amended upon



agreement of the parties. In this case, all the additions and changes to the Loan Agreement, Pledge Agreement, and Surety Agreement shall be made in writing and signed by both parties. When opening and maintaining a current account (s) and issuing and servicing a credit card on the basis of Questionnaires, in case of change of the Borrower’s Account number or Current Account number as required by the legislation of the Russian Federation, including the regulatory acts of the Bank of Russia, activities performed in the Bank for the optimization of the branch network or for other causes, the Borrower shall be notified of new account numbers as specified in Clause 9.9 of these General Terms and Conditions (in this case the consequences referred to in Clause 9.3.2 of these General Terms and Conditions shall apply).

9.13. Repayment of the debt under the Loan Agreement when receiving insurance payment

9.13.1. The parties hereby consenting agreed that on receipt to the Bank’s or the Borrower's account of insurance payment for the risk of death, permanent total disability under the insurance contract of the Borrower, early repayment of debt under the Loan Agreement will be made in the manner described below.

9.13.2. Early repayment of debt under the Loan Agreement shall be made without compiling of any additional documents by the Borrower and without signing of any additional agreements by the parties.

9.13.3. If the amount of insurance payment is equal to or exceeds the amount of actual debt under the Loan Agreement, then a full early repayment of debt under the Loan Agreement is implemented. Funds remaining after repayment are sent to the Account opened in Russian roubles. If, in accordance with Russian tax legislation, the Bank in connection with the implementation of these actions is obliged to calculate and withhold the amount of tax on personal income the amount, to be refunded and credited to the Account opened in Russian roubles, will be reduced by the amount of the calculated tax.

9.13.4. If the amount of insurance payment is insufficient to repay the actual debt under the Credit Agreement in full, then a partial early repayment in an amount equal to the amount of insurance payment Loan is implemented, taking into account the priority established in n. 9.2.2.8 of the General Terms. Further debt repayments are made in the manner prescribed by the Loan Agreement, taking into account the provisions of paragraph. 9.7.2 of the General Terms.

9.14. Debt repayment under the Loan Agreement on receipt of M(F)C funds.

9.11.1. Hereby the Parties mutually agree that where the Bank receives M(F)C (or part thereof) in the name of the Bank and specifying in the payment purpose of the Borrower's full name, number and date of the Loan Agreement, the debt under the Loan Agreement is prepaid as described below.

9.11.2. The debt under the Loan Agreement is prepaid without the Borrower issuing any additional documents and without the Parties signing any additional agreements.

9.11.3. The Loan is repaid and the interest accrued thereon is paid out of the M(F)C (or part thereof) as described below:

the money of the M(F)C (or part thereof) is transferred by the Pension Fund of the Russian Federation (or its territorial body)/territorial body (structural subdivision) of social security in non-cash form to the Bank’s bank account, as provided for by Russian law;

the Bank uses the money received to its bank account to repay Borrower’s liability under the Loan Agreement on or prior to the Business Day following the receipt of M(F)C (or part thereof) to the Bank’s account. For this purpose, the Borrower instructs the Bank to make, within the term set in this Clause, an early repayment of the Loan in the amount of the M(F)C (or part thereof) received, as provided for by the Loan Agreement. In this case, the Bank does not require a separate written Statement of Obligation;

Borrower’s liability under the Loan Agreement is discharged in the following priority order:

1) overdue principal debt under the Loan;

2) overdue Loan interest;

3) principal amount under the Loan;

4) Loan interest accrued prior to Borrower’s discharge of its liabilities under the Loan Agreement using the M(F)C.

9.11.4. M(F)C (or part thereof) may not be used to pay for any fines, fees, or penalties for delays under the Loan Agreement.

9.11.5. In case, the currency of the M(F)C (or part thereof) received to the Bank’s bank account is different form the Loan currency, the Bank converts the money to the Loan currency without Borrower submitting any additional documents at the rate of the Bank of Russia as of the date when the money is received to the Bank’s bank account.

9.11.6. Where the M(F)C amount is insufficient to fully repay the actual debt under the Loan Agreement, the debt under the Loan Agreement is prepaid partially in the amount equal to the M(F)C amount, given the priority order set by Clause 9.11.3 of the General Terms. Further repayment is made as provided for by the Loan Agreement, given the terms of Clause 9.7.2 of the General Terms.

10. System Terms of Service

10.1. General provisions

10.1.1. The Client may access the System services as provided for by this Section of the General Terms.

10.1.2. The rules of this Section lay down the procedure and conditions of connecting the System, System use, Client’s responsibilities regarding the System access, and the Blocking the System, cancelling access to the System services, Parties’ liability.

10.1.3. The System may be accessed through the Bank’s Website or through Raiffeisenbank’s Mobile Application.

10.1.4. The System provides information via open communication channels. Security is ensured by the standard secured data transfer protocol.

10.1.5. A System Registration Request may be submitted to a Bank's Subdivision by an Authorized Representative having the Power of Attorney with required powers drafted in the Bank. Any other actions referred to in this Section may only be carried out by the Client itself, unless otherwise provided for in the General Terms.

10.1.6. Client acknowledges that the System is adequate to ensure proper operation at the reception, transmission, processing and storage of information, and to protect the information from unauthorized access, authentication and attribution of Electronic documents, as well as for the settlement of conflict situations involving them.The Client trusts the software of these systems.

10.1.7. The Client undertakes to monitor and control in the System all operations carried out by him/her or another Card Holder via the System.

10.1.8. In the System, it is possible to submit to the Bank, as an agent acting on behalf of the manager, documents for concluding trust



agreements (including trust agreements for maintaining individual investment accounts) and subsequent servicing of a citizen within the framework of these agreements (including submission and receipt of questionnaires, applications, notifications, requests, acts, etc.), as well as documents on the withdrawal of assets under agreements and on the termination of these contracts and documents (including questionnaires, applications, requests, notifications, etc.) for the acquisition, exchange, subsequent servicing, redemption of investment units of mutual investment funds managed by management companies with which the Bank cooperates, in the form of Electronic document85. Documents are signed using a Hash Code Simple Electronic Signature Key. Unless otherwise specified, all provisions of the General Conditions relating to the operation of the System apply to this service.

10.1.9. The Client agrees that it is possible to place insurance documentation in the System in order to familiarize the Client with the terms of insurance programs offered by insurance companies - partners of the Bank.

10.2. Client’s registration with and use of the System

10.2.1. The Client is granted information access to the System on System Registration Request:

signed in a Bank's Subdivision; or

submitted by the Client using Bank’s ATM and any Card issued in Client’s name, for which purpose the Client enters the PIN code and follows the instructions on the ATM screen86; or

submitted by the Client through the Bank’s web-site and signed with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.2 of the General Terms and Conditions; or

subject to technical implementation, submitted through the Bank’s Information Centre subject to Section 12 of the General Terms and Conditions.

10.2.2. On submitting a System Registration Request, the Client receives the identifiers (unique login and password) to use the System:

where a System Registration Request is submitted to a Bank's Subdivision, the login is indicated in the request and the password is sent as an SMS-message to the Client’s Contact Mobile Telephone Number;

where a System Registration Request is submitted through the Bank’s ATM using the Card issued in Client’s name, the password is sent to the telephone number indicated by the Client on the ATM screen form, and the login is printed on the ATM cheque;.

where a System Registration Request is submitted through the Bank’s web-site, the login is automatically indicated in the System login form on the screen, and the password is sent as an SMS-message to the Client’s Contact Mobile Telephone Number;

where a System Registration Request is submitted through the Bank’s Mobile Application the login is automatically showed on the screen and the password is sent by SMS on Contact mobile telephone number of the Client;

where a System Registration Request is submitted through the Bank’s Information Centre, the Bank’s Information Centre officer communicates the login to the Client orally on the phone, and the password is sent as an SMS-message to the Client’s Contact Mobile Telephone Number.

10.2.3. The identifiers for using the System, indicated in Clause 10.2.2 of the General Terms and Conditions, expire in 48 hours on submission to the Client or its Authorized Representative where the System Registration Request is submitted to a Bank's Subdivision or where the identifiers are received through the Bank’s ATM, web-site, or Information Centre. Where the Client fails to use the above identifiers to access the System on lapse of the terms above, access is automatically blocked by the Bank.

To start using the System again, the Client needs to regain access to the System by submitting a System Registration Request subject to Clause 10.2.1 of the General Terms or regain unique temporary identifiers to use the System through the Raiffeisen Teleinfo System subject to Section 13 of the General Terms and Conditions. Where the Client restores access to the System through the Bank’s ATM using the Card, the Client may also change the Mobile Telephone Number for One-time Passwords simultaneously with changing the Contact Mobile Telephone Number.

10.2.4. On first access to the System, the Client shall change the received login and password in the Settings sections of the System server. The System enforces the login and/or password change every 180 days. The Bank may change this term at its own discretion with a prior notification to the Client, as provided for in Clause 2.14 of the General Terms.

10.2.5. The Client may apply for the additional identification service87 when accessing the System through the Bank’s Website. In this case, in addition to a username and password, the Client will be required to enter an additional password to access the System. The Bank will send an additional password to the Mobile Phone Number for One-Time Passwords.

This service will be available to all Clients who have enabled the receipt of One-Time Passwords in the form of SMS. The Client may enable or disable this service:

independently in the System;

by applying to the Bank’s Call Centre in accordance with the rules of Section 12 of the General Terms and Conditions.

10.2.6. For more convenient access to the System through Raiffeisenbank’s Mobile Application after changing the login and the password subject to Clause 10.2.4 of the General Terms, the Client may set a special identifier for Raiffeisenbank’s Mobile Application, that will substitute the login and the password for the use of the System in the form of:

fingerprint88 (applicable to Mobile Devices with inbuilt fingerprint scanners);

digit code.

In this case, instead of using the login and the password to access the System through Raiffeisenbank’s Mobile Application, the Client will use the above special identifier. ПOn changing the login and/or password indicated in Clauses 10.2.2 - 10.2.4 of the General Terms, the Client needs to set a new special identifier.

85 The service is provided as technically implemented 86 In this case, providing the Client with information access to the System is possible only together with giving him access to active operations in accordance with clause 10.2.7of the General Terms. 87 The service is provided as implemented. 88 The Bank does not receive from the Client, store and process his / her biometric data (fingerprint).



The Client gains access to active transactions (on Accounts, Cards etc.) in the System by enabling one or more ways of receiving One-time Passwords subject to Clause 10.2.7 of the General Terms.

10.2.7. To receive a One-time Password, the Client shall submit a One-time Password Request to the Bank and select one or more One-time Password receiving options given the particulars referred to in Clause 10.2.9 of the General Terms out of the following One-time Passwords receiving options:

10.2.7.1. as an SMS-message sent by the Bank to the Mobile Telephone Number for One-time Passwords.

To enable this option, the Client submits a One-time Password Request;

to a Bank's Subdivision,

through the Bank’s ATM using any Card issued to the Client’s name;

through the Bank's Information Center in accordance with Section 13 of the General Terms in cases agreed with the Bank;

on the Bank’s website. In this case, the Application for a One-Time Password is signed with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.2 of the General Terms and Conditions and activation of the method of receiving the One-time password shall be possible only to the Client’s Contact Mobile Phone number.

The Bank has the right to establish additional channels for sending the One-Time Password Applications to the Bank in the form of SMS messages.

When making an Application for a One-time Password using the Bank's ATM and any Card issued in the name of the Client, the Mobile Phone Number for the One-Time Passwords specified by the Client will be set as the Contact Mobile Number.

10.2.7.2. in the form of Push-notifications sent by the Bank to the Client’s Mobile Device registered with the Bank for the Client to receive One-time Passwords. Enabling this option does not require a One-time Password Request. This One-time Password receiving option is available to all Clients who enabled One-time Passwords in the form of SMS-messages, and provided that the Client’s Mobile Device is registered for the purposes of receiving One-time Passwords in the form of Push-notifications from the Bank. To receive One-time Passwords in the form of Push-notifications from the Bank, the Client registers its Mobile Devices unassisted following the instructions in Raiffeisenbank’s Mobile Application.

The Client shall re-register its Mobile Device to receive One-time Passwords in the form of Push-notifications from the Bank in the following cases:

the Client upgrades its Mobile Device's operating system to a newer version or the Mobile Device’s operating system makes any other changes;

the Client upgrades Raiffeisenbank’s Mobile Application to a newer version;

the Client changes the Mobile Telephone Number for One-time Passwords;

the Client disables receiving One-time Passwords in the form of SMS-messages;

Raiffeisenbank’s Mobile Application requires the Client to re-register the Mobile Device to receive One-time Passwords in the form of Push-notifications from the Bank.

The Bank reserves the right to limit the number of Mobile Devices registered by the Client for the above purposes, and the types of active transactions carried out in the System through Raiffeisenbank’s Mobile Application.

10.2.8. The Client may change the Mobile Number for One-Time Passwords in the Bank Subdivision, through the Bank's Information Center (in the cases agreed with the Bank) in accordance with Section 12 of the General Terms or initiate the change of the mobile phone number in the System or using the ATM of the Bank and the Card as specified in clause 10.2.1 of the General Terms.

10.2.9. Where the Client accesses the System through the Bank’s Websiteб, the Client may use the One-time Password receiving option described in Clause 10.2.7.1 of the General Terms

Where the Client accesses the System through Raiffeisenbank’s Mobile Application, the Client may receive One-time Passwords using the following options:

- where the Mobile Device does not support access to the Internet through mobile channels (the Mobile Device does not have SIM-card slot), option referred to in Clause 10.2.7.1 of the General Terms;

- where the Mobile Device does not support access to the Internet through mobile channels (the Mobile Device has SIM-card slot), only the option referred to in Clause 10.2.7.2 of the General Terms shall apply.

10.2.10. Where the Client receives a One-time Password in the form of SMS-message/Push-notification, the Client shall check the transaction details with the details in the SMS-message/Push-notification that has the One-time Password, and, in case of approving the transaction details, enter the received One-time Password in the System. Where the Client does not approve the transaction details, it shall immediately apply to a Bank's Subdivision or Bank’s Information Centre.

10.2.11. Receipt of new identifiers for using the System (login/password) does not terminate the receipt of One-time Passwords to the Mobile Telephone Number for One-time Passwords.

10.2.12. Should the mobile phone be lost or the Mobile Telephone Number for One-time Password be no more in use, the Client shall immediately apply to a Bank's Subdivision, Bank’s Information Centre, or block the above One-time Password receiving option unassisted in the System. The Bank shall inform the Client on blocking the One-time Password receiving option by sending an SMS-message to the Mobile Telephone Number for One-time Passwords.

Where the Client fails to immediately apply to the Bank to change the Mobile Telephone Number for One-time Passwords, or immediately notify the Bank that the above One-time Password receiving option requires blocking, the Bank is not liable for any consequences of using One-time Passwords by third parties.

10.2.13. Where the General Terms or Agreements so require, the Client signs the Electronic Documents submitted through the System using One-time Password.

An One-time Password is generated in the System by the Client in one of the following ways:

receiving by the Client of a One-time Password in the form of an SMS-message sent by the Bank to the Mobile Telephone Number for One-time Passwords with the use on the Bank’s side of One-time Password generation program;

receiving by the Client of a One-time Password in the form of a Push-notification sent to Client’s Mobile Device registered with the Bank for the Client to receive One-time Passwords with the use on the Bank’s side of One-time Password generation program.

The Bank shall have the right to or reject the Client’s/another Card Holder’s Order to conduct an Account Transaction (except for transactions on crediting the funds transferred to the Client's Account), in the event there is a suspicion that this Transaction is carried out in order to legalize



(launder) proceeds of crime, or to finance terrorism, until the Client, another Card Holder provides the required supporting documents. The Client/ another Card Holder shall authorise the Bank to refuse, after a preliminary warning, to accept from the Client/ another Card Holder his Orders, signed by the Client’s/ another Card Holder’s One-time Password, in case there is a suspicion that this Transaction is carried out in order to legalize

(launder) proceeds of crime, or to finance terrorism. In such an instance, the Client/ another Card Holder undertakes to submit, upon the Bank’s request, duly executed Orders in a hard copy.

10.2.13.1. When transferring funds in RUB in the System (except for transactions through the service payment system), a request for transfer and a payment order (if applicable) shall be executed, which are interconnected Electronic Documents (a set of Electronic Documents) signed by a One-Time Password provided that each of these Electronic Documents is deemed signed by such One-Time Password.

10.2.13.2. One-time Password has the following properties:

One-time Password is only reproducible by the person who has the required means of generating HSA;

One-time Password can be authenticated;

One-time Password is an integral part of the signed Electronic Document. A One-time Password signed Electronic Document is deemed equal to a paper document signed by Client’s own hand. The Client

agrees that a One-time Password signed Electronic Document may be used as evidence in court. Any transactions carried out by the Bank subject to the Electronic Documents signed with One-time Password and submitted by the Client to the Bank may not be contested for the sole reason that such actions are not confirmed by paper documents.

One-time Password is contained within the Electronic Document; the created and sent Electronic Document contains information indicating the person in whose name the document is created and sent.

10.2.13.3. The rules identifying a person signing an Electronic Document by the person’s One-time Password are as follows:

- The Bank determines the One-time Password that was used to sign the Electronic Document; - based on the established Electronic Document, the Bank identifies the Client who created and signed such Electronic Document with

One-time Password.

10.2.13.4. The Client signs Electronic Documents in the System with One-time Password by filling the relevant System field with a One-time Password, except for the Electronic Documents indicated in Clause 1.166 of the General Terms and Conditions. The Bank executes Client’s Instruction filed in the form of an One-time Password signed Electronic Document on positive verification whether the One-time Password entered by the Client matches the One-time Password information contained in the Bank’s data base.

10.2.14. In the cases provided for in the General Conditions or in other agreements concluded between the Client and the Bank, Electronic Documents submitted by the Client through the System are signed by the Client with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.1 of the General Terms. The parties hereby established the following procedure for determining the person signing the documents by a simple electronic signature of the Client when using the Simple Electronic Signature Key in accordance with clause 1.66.1 of the General Terms: the Client's successful entry into the System in the manner specified in clause 10.2 of the General Conditions and inserting into the "confirmation code" field of the One-time password received by the Client for signing the Package of Documents for the Loan, applications for participation in the insurance program (if applicable) or other documents are an undeniable fact of the Client's access to the System and sufficient proof that of the documents signed by the Client a simple electronic signature in accordance with clause 1.66.1 of the General Terms. The Client undertakes to respect the confidentiality of the Key of a simple electronic signature.

The Package of Documents for the Loan (including the Individual Conditions), application for participation in the insurance program (if applicable), signed in this way, are recognized by the Bank and the Borrower as equivalent documents on paper, signed by the parties with handwritten signatures, and can serve as supporting documents (evidence) in the consideration of disputable situations, including in court.

10.2.15. In cases stipulated by the General Terms, the Electronic Document Package submitted by the Client through the System is signed by the Client with a simple electronic signature using Simple Electronic Signature Key with Hash Code. The parties hereby established the following procedure for determining the person signing documents with a simple electronic signature of the Client when using the Key of a simple electronic signature with a Hash code: successful entry of the Client into the System in the manner specified in clause 10.2 of the General Conditions, his introduction in the “confirmation code” field the of a One-Time Password received by the Client to sign the Package of electronic documents, the presence of Hash codes in the application that the Client signs in the System with a key of a simple electronic signature with a Hash code are undeniable access to the System by the Client and sufficient evidence that the documents included in the Electronic Documents Package are signed by the Client with a simple electronic signature, and the Hash Codes indicated in the application coincide with the Simple Electronic Signature Keys generated in the System with the Hash Code for the transmitted documents. The Client undertakes to maintain the confidentiality of the Key of a simple electronic signature with a Hash code. Documents signed in this way are recognized by the Bank and the Client as equivalent documents on paper, signed with their own signature, and can serve as supporting documents (evidence) when considering disputes, including in court. The Client confirms the authenticity, validity and compliance with the original of the electronic copies of the Electronic Document Package placed in the System with a simple electronic signature using the Simple Electronic Signature Key with Hash Code. Scanned copies of the Electronic Document Package (the provision and filing of which is provided for in cases specified by the General Terms), confirmed by the Client with a simple electronic signature using the Simple Electronic Signature Key with Hash Code, are recognized as equivalent documents on paper, certified by the Client’s own signature and can serve as supporting documents (evidence) when considering disputes, including in court. Scanned copies can be provided in one of the following formats: pdf, jpg, tif, tiff, jpeg, png. The Bank reserves the right to limit the file size, which informs the Client by posting information in the System. In the case of submission of documents in other formats, as well as if the quality of copies of the document does not allow you to read it completely, check whether there are appropriate marks on it, the text is illegible, while scanning the document there was a shift that led to the loss of part a right not to accept such documents.

10.2.16. The Bank reserves the right to:

deny the Client's access to the System; suspend Client’s Instructions received through the System prior to receipt of Client’s written instruction to comply therewith; change the scope of the services provided to the Client through the System; suspend the System operation whether notifying the Client or not; limit the transaction amounts carried out in the Systems; change the ways of generating One-time Password in the System; limit the use of the funds and ways of generating One-time Password; block ways of generating Client’s One-time Password in the System, where the Bank suspects the One-time Password of being potentially

or actually used for illegal activities.



10.2.17. By accessing the System services, the Client agrees to comply with the following rules of System use:

use a unique login and password to enter the System; shall avoid any overdues under the Accounts or any other debts to the Bank; shall comply with all the terms and conditions of the Agreement, General Terms and Conditions, and the Tariffs; shall duly fulfil all its liabilities to the Bank, pay in time or ensure the timely payment of all the fees set by the Bank’s Tariffs; avoid illegal actions using the System, avoid using the System for fraud; immediately respond to Bank’s messages and notifications related to Client’s liabilities to the Bank sent to the contacts indicated by the

Client to the Bank (the Contact Mobile Telephone Number of the Client, e-mail, etc.); on Bank’s request and within the term set by the Bank, submit the documents confirming Client’s transactions on the Accounts in the

System where required by Russian law, and where such submission is required to clarify the transactions carried out and/or to safeguard Client’s money;

not carry out transactions on the Accounts in the System in violation of the rules of such accounts maintenance; immediately notify the Bank by phone or in writing on suspicion of compromising identifiers for the use of the System specified in clause

10.2.2 of the General Terms (including special identifiers established by the Client in accordance with clause 10.2.6 of the General Terms), loss of the Mobile Device, loss of control over the software and the means of generation / reception One-time password (if applicable), as well as the detection of an attempt to unauthorized access to the Customer's personal information in the System and all unauthorized transactions in the System;

change the login and/or password in the Settings section of the System service at least every 30 calendar days; periodically check the information on the transactions carried out using the System; notify the Bank immediately on any changes in its data, including its residence, mobile telephone number (including the one registered

with the Bank for the purposes of the Transaction Notification Service), e-mail addresses, and other contact data.

10.3. System Blocking, refusal to use the System

10.3.1. Hereby the Client notifies the Bank that System Blocking is required and instructs the Bank to carry out the System Blocking in the following circumstances:

where the System has not been accessed for over 6 months from Client’s first access to the System services; on termination of all Agreements between the Bank and the Client; where the Bank exercises its rights under Clause 10.2.14 of the General Terms; for the reasons indicated in Clause 3.6 of these General Terms; where the Bank becomes aware of any bankruptcy procedures initiated against the Client89; where the Bank becomes aware of the Client’s death; where the Bank has any information of potential or actual illegal transactions in connection with the System, including by third parties; here the Bank receives writs of execution/settlement documents to collect Client’s money; where the Bank has no actual data on Client’s mobile telephone number and/or Client’s e-mail address, including where the Bank

reasonably deems that the previously submitted mobile telephone number and/or e-mail address submitted by the Client to the Bank has ceased to be owned by the Client.

10.3.2. The Bank may carry out the System Blocking:

where the Client violates the terms of use of the System referred to in Clause 10.2.17 of the General Terms; on receipt of Client’s notification of the System Blocking, including Client’s notifications referred to in Clause 10.3.1 of the General Terms; in case of revealing of the Signs of the OWCC in respect of the Account Transaction performed in the System.

10.3.3. The Bank carries out the System Blocking on receipt of Client’s notification of System Blocking within 30 minutes upon receipt of the Client’s notification by the Bank submitted:

а) (a) in writing to a Bank's Subdivision; б) (b) orally subject to Section 12 or Section 13 of the General Terms.

10.3.4. The Bank notifies the Client on carrying out the System Blocking with a SMS-message to the telephone number linked to the Service «Transaction Notification».

10.3.5. The Client may refuse to use the System by disabling information access to the System and/or disabling access to active transactions (on Accounts, Cards etc.). To do so, the Client applies to a Bank's Subdivision either personally or through an Authorized Representative with a request to disable access to the System services.

10.4. Access to and use of the System by the Authorized Representative/ the Child90

10.4.1. The Authorized Representative , the Child being a Card Holder can get access to the System and use the System pursuant to Clauses 10.1 –10.3 of the General Terms given the following:

10.4.1.1. Access to only provided to Raiffeisen-Online and is only provided through Bank’s web-site (www.raiffeisen.ru);

10.4.1.2. A System Registration Request and One-time Password Request is submitted:

if access is granted to the Authorized Representative - only by the Authorized Representative himself;

if access is granted to the Child - only by the Client.

10.4.1.3. The services in the System are provided:

to the Child i-only under the Supplementary Bank Card issued in his name, and the Authorized Representative is provided with the System services exclusively under the Supplementary Card issued in his name;

to the Authorized Representative - only within the limits of powers granted by the Power of Attorney or in accordance with cl. 2.9.1.9, 2.9.1.10 of the General Terms.

10.4.1.4. Where the Authorized Representative, the Child is Bank’s Client with access to the System as a Client:

- he may use the same One-time Password receiving options indicated in Clause 10.2.7 of the General Terms, previously chosen by it as a Client to use the System;

89 In this case, the Bank blocks access to active transactions in the System. 90 Access to the system for the Child is provided as far as technical implementation.

http://www.raiffeisen.ru/



- he uses the same identifiers (unique login and password) as indicated in Clause 10.2.2 of the General Terms, previously received by it as a Client to use the System, to access the System;

- on accessing Raiffeisen-Online System, he gains access to transactions in accordance with powers granted by the Power of Attorney or in accordance with cl. 2.9.1.9, 2.9.1.10 of the General Terms;

10.4.1.5. If activation of the method of receiving the One-time password in the form of SMS-messages is performed on the Bank’s website on the Internet, then activation of the method of receiving the One-time password shall be possible only to the Contact Mobile Phone number of the Authorized Person, the Contact Mobile Phone number of the Child.

10.4.1.6. The Authorized Representative, the Child may not use the One-time Password receiving option indicated in Clause 10.2.7.2 of the General Terms;

10.4.2. In all other respects, the same conditions and rules apply to the use of the System as for the Client.

10.5. Transfer Service

10.5.1. When using the Transfer Service by the Client, the System indicates all the data requested by the System from a payment (bank) card issued by another credit institution from which the transfer is made, including the number and expiration date of such card, CVV2 / CVC2 code, transfer amount and other data.

10.5.2. Based on the information specified in the System, the Bank accepts and processes information on a payment (bank) card issued by another credit institution with which the transfer is made, prepares documents in electronic form (financial presentation) confirming the operation for the credit organization issuing such a card and of the Payment System and transfers to them all the information necessary for carrying out the transaction, including requesting authorization for the operation from the credit institution issuing such a card.

10.5.3. The use of a payment (bank) card issued by another credit institution for the Transfer Service is carried out in accordance with the agreement concluded with the holder of such card.

10.5.4. The positive result of the provision of the Transfer Service to the Client is the crediting of funds to the Account to which the Card is issued (Card replenishment).

10.6. Parties’ liability

10.6.1. The Client undertakes to comply with the provisions of the General Terms governing the use of the System.

10.6.2. The Client is liable for illegal access to the information stored in the System under the applicable Russian law.

10.6.3. The Client is liable for creating, using, and distributing malware in the System under the applicable Russian law.

10.6.4. The data in the sealed PIN-envelope or sent as an SMS-message, other identifiers for logging into the System referred to in Clause 10.2of the General Terms, and the One-time Password are confidential and shall only be known to the Client. The Parties shall keep the data contained in the sealed PIN-envelope or sent as an SMS-message, login for registering with the System, other identifiers for logging into the System, referred to in Clause 10.2 of the General Terms and One-time Passwords confidential.

10.6.5. The Client shall keep confidential and avoid disclosing to any third parties (including the Bank’s employees and representatives) the identifiers for using the System (login, password, other identifiers referred to in Clauses 10.2.2, 10.2.3, 10.2.5 and 10.2.6 o of the General Terms a), and the One-time Passwords, and the Code Word. The Bank is not liable for any consequences of any use of the above identifiers, One-time Passwords, and/or Code word by third parties.

10.6.6. The Bank is not liable for the use of One-time Passwords by third parties resulting from Client providing any third parties with access to the mobile devices registered with the Bank for the receipt of One-time Passwords, and/or the ones using the Mobile Telephone Number for One-time Passwords. The Bank notifies the Client, that using One-time Passwords does not guarantee the absence of any unauthorized actions by third parties on Client’s behalf. That said, the Bank may verify the IMSI prior to sending the Client a One-time Password where the Client opts to receive One-time Passwords as SMS-messages. In case of such verification, the Bank sends the Client a One-time Password on positive verification of the match between the mobile telephone IMSI and IMSI stored with the Bank.

10.6.7. Given the properties of data transfer through open communication channels, the Bank is not liable for any losses resulting from Client’s failure to receive and/or an unauthorized person’s receipt of the above information.

10.6.8. The Client is fully aware that the Internet is not a secure communication channel and bears all the risks related to potential breach of confidentiality and integrity of the information communicated through the Internet. The Client, at its own expense, connects its computing devices to the Internet, provides access to the Internet, and ensures protection of its computing devices against unauthorized access and malware. Where the Client accesses the System services through any computing devices not owned by it, the Client shall bear all the risks related to potential breach of confidentiality and integrity of the information communicated through the Internet, and for potential illegal acts of third parties.

10.6.9. The Client is liable for any transactions carried out through the System.

10.6.10. Where the Client disagrees with a transaction in the System, the Client shall notify the Bank thereof in writing and / or orally by contacting the Bank’s Information Center immediately upon detecting such unauthorized transaction and/or use of the System without Client’s consent, but no later than the day when the Bank notifies that the transaction has been carried out.

11. Provision of the “Transaction Notification”

11.1. General Provisions

11.1.1. The Client may connect/disconnect the services Transaction Notification in the manner set forth in this Clause, unless contemplated otherwise by these the General Terms or any other documents executed by the Client for connecting/disconnecting the Service «Transaction Notification».

11.1.2. As part of special offers to the Clients the Bank is entitled to connect Clients to the Service and provide a grace period to the Service.

11.1.3. The telephone numbers used by the Bank for sending the alerts are posted on the Bank’s Website. The Bank may change such service



telephone numbers unilaterally.

11.1.4. Connection to and disconnection from the Service, as well as any change of the number of a mobile telephone registered with the Bank for receipt of Service may be performed on the Client’s instruction given to the Bank in accordance with cl. 11.2.1 of the General Terms. The instructions given by the Client shall be executed no later than the Business Day following the day of giving the relevant instruction. Such instruction shall contain information specified by the Bank and necessary to execute the instructions given by the Client.

11.1.5. In the event of change of the mobile telephone number registered with the Bank for the provision of the SMS - service, the Client will submit an applicable request to the Bank as per Cl. 11.2.1 of these General Terms and Conditions.

11.1.6. The Service shall be paid for in accordance with the Bank’s Tariffs. The Client hereby expresses his/her consent that the Bank has the right to charge off money from any Account/Bank account of the Client as payments for Service «Transaction Notification» without further consent of the Client. All the money towards payments for the Service shall be directly debited by the Bank from the Client’s Card Account/Bank Account without additional consent of the Client. The payment shall be made in respect of each Card connected to the Service in accordance with the Bank’s Tariffs. The SMS requests shall be paid for according to the tariffs of a cellular operator that services the relevant telephone number of the Client.

11.1.7. The Bank shall have the right to disconnect the Client from the Service:

if the Client has specified a wrong mobile phone number during subscription to the Service,

in the event of the Client’s failure to perform or improper performance of the obligation set forth in cl.11.1.4 of the General Terms;

in the event of the Client’s breach of terms of SMS-message services;

in the event the Bank has the reasons to suppose the mobile phone number and/or e-mail address previously registered with the Bank for the Service is not owned by the Client any longer.

11.1.8. The Bank shall not be liable for any losses incurred by the Client if the latter has specified a wrong mobile phone number during subscription to the Service, or in the event of the Client’s failure to perform or improper performance of any other obligations set forth in this Clause.

11.1.9. If the Card connected to the Service is re-issued with the previous number, its connection to the Service shall remain in force.

11.1.10. In view of the specifics of data transmission through open channels of communication, the Client, who has subscribed to Service, shall assume the risks related to the possibility that the information being transmitted (SMS Alerts from the Bank to the Client and SMS requests from the Client to the Bank) can be subject to non-receipt by the Client/the Bank or to possible receipt by third parties.

11.2. Procedure and terms for the provision of the service ”Transaction Notification”

11.2.1. Client’s application to connect him/her to the service and change of the mobile telephone number may be communicated orally by telephone in accordance with the provisions of Clause 12 of these General Terms, through Raiffeisen Teleinfo System in accordance with rules set forth in Clause 13 of these General Terms, in writing at the Bank’s Subdivision , through the System, on the Bank's website (in this case, the application is signed with a simple electronic signature using the Simple Electronic Signature Key in accordance with clause 1.66.2) or through the Bank’s ATM and any Card issued in the name of the Client.

The Client's Application to disconnect him/her from the Service can be submitted by the Client:

in writing to the Bank Subdivision;

orally through the Bank’s Call Centre in accordance with the rules of Section 12 of the General Terms and Conditions. To change the mobile phone number for receiving the Service, the Client has the right:

to apply to the Bank's Subdivision and submit a written application;

to apply orally through the Bank’s Call Centre in accordance with the rules of Section 12 of the General Terms and Conditions;

at the Bank's ATM;

through the System. In the ATM of the Bank, the connection of the Service « / changing the mobile phone number to receive the Service is possible only for the Client Card that the Client uses to perform the transaction. The Client enters the PIN code and follows the instructions on the cash dispenser screen. The bank shall also have the right to set additional channels for providing by the Client the above said applications. 11.2.2. To give an instruction through the System, the Client shall identify himself and, then specify the required information, i.e., the number of the mobile phone receiving SMS Alerts, and the numbers of Cards in respect of which the Client wishes to receive SMS Alerts.

11.2.3. When registering a new Mobile Device for receiving the One-time Password in the form of Push-notifications, the Client can change the channel for receiving information sent to him/her within the framework of the Service from SMS-messages to Push-notifications91 and specify the used Mobile device as a Contact Mobile Device92. The Client shall confirm his/her choice by entering the One-time password received from the Bank in the Mobile Application of Raiffeisenbank. The Bank shall notify the Client of the change of the channel of sending notifications within the framework of the Service to Push-notifications in the form of SMS-notification sent to the Contact number of Client’s mobile phone. Push-notifications shall be sent to the Contact Mobile Device on all Client’s Cards, wherein the Service is activated or will be activated hereafter.

The Client can himself/herself disable or change a Contact Mobile Device using the Raiffeisenbank’s System/Mobile Application . The Bank shall notify the Client of alteration of the Contact Mobile Device in the form of an SMS-message sent to the Contact Number of the Client’s mobile phone.

If the Client fails to log in to the Raiffeisenbank’s Mobile application using the above Contact Mobile Device within 2 months, Push-notifications within the framework of the Service will be deactivated automatically in such Contact Mobile Device. The Bank shall send following notifications within the framework of the Service in the form of SMS-messages. The Bank shall notify the Client on deactivation of Push-notification on the Mobile Devices in the form of an SMS-message sent to the Contact Number of the Client’s mobile phone.

11.2.4. The Bank has the right to change the channel for providing information sent to the Client within the framework of the Service, from SMS

91 If as of the moment of registration of a new Mobile Device the Service is not activated for the Client, then by confirmation of activation of Push-notification for Service, the Client also agrees that he/she will receive notifications in the form of Push-notifications to this Mobile Device in case he/she activates the Service thereafter, and this Device will be the Contact Mobile Device by default. 92 The service is provided as far as the technical implementation.



messages to Push notifications and vice versa.

11.2.5. If in accordance with the Bank Tariffs SMS – service is payable, then payment of this service shall be made for each complete and incomplete month. No fee shall be charged for the first calendar month of the Service (starting from the month of service activation). Further on fee for providing the Service is charged if during a month the Bank has sent to the Client at least one SMS-notification/Push-notification on operation with the use of Card or operation on Account. If the Service is connected and disconnected during one calendar month, the service shall be paid for in accordance with the Bank’s Tariffs. When there exist inconsistencies between some statements of the Tariffs and statements of the present clause, statements of the present clause shall prevail.

11.2.6. In case of loss of the mobile phone where the number registered with the Bank for the service the Client shall immediately turn to the Bank Subdivision in person with an application to disconnect the above service.

12. Provision of Services by the Bank’s Call Centre

12.1. Subject to the provisions of this Clause, the Bank undertakes to provide to the Client as well as the Authorized representative, the Child in the cases specified by the General Conditions, based on the latter’s oral instructions given by telephone to the Bank’s Call Centre, the following services93:

12.1.1. provision of general information on the Bank, bank product for individuals and services offered by the Bank, terms and condit ions of opening and operation of Accounts and Deposits, use of the Cards and Payment Systems, the System, and exchange rates of the Bank which were effective during seven (7) calendar days before calling to the Bank’s Call Centre;

12.1.2. provision of information regarding the location and time of operation of the Bank’s automatic teller machines;

12.1.3. registration for a meeting with the Bank’s representative for purposes of filing documents for a mortgage loan;

12.1.4. provision of the Clients with information on the terms and conditions of obligatory pension insurance and voluntary pension insurance schemes offered by nongovernmental pensions funds which cooperate with the Bank;

12.1.5. consultations on the purchase of investment units of mutual funds managed by managing companies which cooperate with the Bank;

12.1.6. provision of information on the Cards issued by the Bank as part of the Bank’s joint co-brand projects;

12.1.7. provision of consultancy support in case of occurrence of any matters in dispute during the use of the Card or where the Card is captured by an automated teller machine;

12.1.8. acceptance of orders for reservation of individual safe deposit boxes;

12.1.9. preliminary order of the originals and copies of vehicles’ passports, and other certificates prepared by the Bank;

12.1.10. preliminary order for the withdrawal of cash;

12.1.11. provision, by telephone, of information on the Balance and on the ten (10) most recent Account/Card Transactions;

12.1.12. acceptance of the Clients’ oral requests for the provision of one-time Statements of Account. The Bank’s Call Centre provides one-time Statements to the e-mail address provided by the Client to the Bank (in the Questionnaire/ Application/ other documents or through the Call Centre);

12.1.13. change of the Card Delivering Subdivision, the way of the Main Credit Card and Bank Card issue and Delivery address, banking correspondence delivery address, actual residence address, business address of the Client and/or employer's name and e-mail address94;

12.1.14. provision to the Client of information on the Bank’s payment details and number (numbers) of the Account (Accounts) opened with the Bank for the Client to the e-mail address provided by the Client to the Bank (in the Questionnaire/ Application/ other documents or through the Call Centre);

12.1.15. provision to the Client of a copy of a SWIFT confirming the transfer of funds in foreign currency effected by the Bank through SWIFT telecommunication interbank system to the e-mail address provided by the Client to the Bank (in the Questionnaire/ Application/ other documents or through the Call Centre);

12.1.16. provision of information to the Client/ another Card Holder that the Card has been prepared and can be collected from the Bank’s Subdivision, including a Card captured by an automated teller machine;

12.1.17. acceptance of the Clients’ requests for the re-issue of a Bank Card / Credit Card (except for the reissue related to the client’s name change), to be thereby replaced by a Bank Card / Credit Card of the same type with the previous period of validity, and in case not more than 6 months are left until the expiration of the Bank Card / Credit Card validity period it shall be replaced by the Bank Card / Credit Card of the same type with the new validity period, and requests for the re-issue of Credit Card on the Credit card of a different type with a new expiration date, in accordance with the General Conditions cl.7.3. When re-issue another type of Credit card the Client in the course of a telephone conversation shall voice his agreement with the amended Loan Agreement.

12.1.18. blocking of the Cards

12.1.19. unblocking of blocked Card;

12.1.20. performance of the procedure for urgent cash dispensing if the Bankcard is lost abroad;

12.1.21. connection to the service “Transaction Notification”;

12.1.22. provision of information to the Client on the decisions made in respect of the Client’s applications for Loan extension (auto loan, Consumer Loan, and Credit Card);

12.1.23. filling an application for the Credit Card issue;

93 If services may be rendered through the Call Center and through Raiffeisen Teleinfo System the Bank may provide the service selecting the service channel at its own discretion - either through the Call Center or through Raiffeisen Teleinfo System. 94 To verify the correctness of the e-mail address provided by the Client by telephone, at the request of the Bank the Client sends a message from this e-mail to [email protected]. In this case, to confirm the information received by e-mail [email protected], the Bank performs a phone call to the Client.



12.1.24. acceptance of an oral application for a Consumer loan (if technically possible);

12.1.25. information provision on the amount of the Available Balance, Total Loan Indebtedness, Indebtedness as of the date of Statement of Credit Card, Minimum Payment, principal debt arising within the Reporting Period, accrued interest, Overdue Indebtedness, overdue interest and Credit Limit Overlimit;

12.1.26. acceptance of oral requests for blocking access to the System;

12.1.27. acceptance of the Client’s oral requests for issue of monthly statements of the Credit Card Account by e-mail. Monthly statements are sent to the e-mail address provided by the Client to the Bank (in the Questionnaire/ Application/ other documents or through the Call Centre);

12.1.28. acceptance of the oral application made by the Client for inclusion in the "My Safe Bank"/"Voyage"/”The most important” Insurance Programme in accordance with para. 2.35 of the General Terms;

12.1.29. acceptance of the Client’s oral application for exclusion from the insurance program “My Safe Bank” / “Voyage” / “Most Important”/ "The program of life insurance against accidents and illnesses, loss of work of borrowers of consumer loans of AO Raiffeisenbank" / "The program of voluntary insurance of life and against accidents and diseases of holders of credit cards of AO Raiffeisenbank" in accordance with paragraph 2.36 of the General Terms;

12.1.30. acceptance of the oral application made by the Client for concluding the real estate insurance contract ("box real estate insurance") with Renaissance Insurance Group, Ltd. and/or IC VTB Insurance, Limited, contract of voluntary medical insurance with LLC IC Raiffeisen Life95, as well as for submission to the Client via email of such insurance contract and other related information;

12.1.31. acceptance of the Client’s oral application for Service Package connection, Bank Cards issue under the Service Package (information on Service Package types which include the rendering of this service is specified in the Tariffs on Service Packages);

12.1.32. acceptance of the oral application for changing IMSI Identifier number;

12.1.33. acceptance of the Client’s oral application for termination of the Agreement for Service Package / disconnection of Service Package (information on Service Package types which include the rendering of this service is specified in the Tariffs on Service Packages) and blocking of all Bank Cards, issued within the Service Package, as per clause 14 of the General Terms.

12.1.34. acceptance of Client’s oral applications for issue of Bank Cards in accordance with cl.6.2.1.2;

12.1.35. application and acceptance of the Client’s request for opening of current account(s) in accordance with clause 3.39 of the General Terms.

12.1.36. application and acceptance of the Standing Order, for the cancellation of the Standing Order in accordance with clause 3.44.2 and 3.44.6 of the General Terms.

12.1.37. Application and acceptance of the Statement of Obligation in accordance with Cl.8.2.5.1 and Cl.9.7.1.1 of these General Terms.

12.1.38. application and acceptance of the request for changing the Monthly Payment Date in accordance with clause 8.2.3 and clause 9.2.2.3 of the General Terms;

12.1.39. access to information services of the System;

12.1.40. acceptance of oral requests for the extension of the lease of the safe deposit box 96;

12.1.41. acceptance of oral inquiries of the Client to change the regime of current accounts from the regime without the possibility of issuing Cards to the regime with the issue of Cards and vice versa as well as to change the Budget Account to a normal current account and vice versa in accordance with cl. 3.41 of the General Terms;

12.1.42. acceptance of oral requests for prolongation / cancellation of prolongation of the Deposit in accordance with Section 4 of the General Terms;

12.1.43. acceptance of an oral request to replenish the Deposit in accordance with Section 4 of the General Terms;

12.1.44. acceptance of an oral request on the partial withdrawal of the Deposit in accordance with Section 4 of the General Terms;

12.1.45. acceptance of an oral application for opening a Deposit in accordance with clause 4.7 of the General Terms;

12.1.46. acceptance of oral inquiries of the Client to provide documents in accordance with cl.2.36 of the General Terms97;

12.1.47. acceptance of oral inquiries to block Credit cards and close the Accounts in accordance with cl. 7.5.2 of the General Terms as well as cancellation of applications/requests for blocking the Credit Cards and closing the Account submitted by the Borrower to the Bank Subdivision/via the Bank’s Information Center in accordance with cl. 7.5.2 of the General Terms and Conditions;

12.1.48. acceptance of oral inquiries for changing the Credit Limit cl. 7.1.6.1of the General Terms;

12.1.49. acceptance of oral inquiries for reduction of the Credit Limit in accordance with clause 7.1.6.2 of the General Terms;

12.1.50. acceptance of oral applications from Clients regarding disconnecting the Service «Transaction Notification», changing the mobile phone number to get access to the “Transaction Notification” Service in accordance with clause 11.2.1 of the General Terms;

12.1.51. acceptance of oral Applications for a One-time password and connection of the method for obtaining a One-time password in the form of SMS messages sent by the Bank to the Mobile Number for One-Time Passwords, in accordance with clause 10.2.7.1 of the General Terms, as well as acceptance of oral applications for modification of the Mobile Phone Number for One-time passwords in accordance with clause 10.2.8 of the General Terms.

12.1.52. acceptance of oral inquiries on revocation of Instructions to transfer funds in Russian roubles submitted by the Client through the System subject to Clause 5.33 of the General Terms;

95 The service is provided as far as the technical implementation. 96 The service is provided from the date of the technical implementation. 97 The service is provided from the date of the technical implementation.



12.1.53. acceptance of the oral requests to lower the Cash Withdrawal Limit in accordance with cl. 6.3.7 of the General Terms;

12.1.54. acceptance of the oral requests for courier delivery of the Card in accordance with cl. 6.2.2.4 and 7.3.1.4 of the General Terms;

12.1.55. acceptance of the Client's oral requests for issuing the Card through the parcel terminal in accordance with cl.6.2.2.5 and cl.7.3.1.5 of the General Terms;

12.1.56. the implementation of verification procedures of Client’s ownership of the Card in the process of registration of the Digital Card in Digital Payment Service in accordance with Clause 6.4.4 of the General Terms and Conditions;

12.1.57. acceptance of the Client’s order to delete Digital Cards from Digital Payment Service in accordance with Clause 6.4.6 of the General Terms and Conditions;

12.1.58. enabling and disabling the additional identification service when accessing the System through the Bank’s Website in accordance with Clause 10.2.5 of the General Terms;

12.1.59. acceptance of oral requests of Clients to transfer funds within a Positive balance on the Account, the Credit Card is issued to, to another account of the Client opened with the Bank, in accordance with cl. 7.5.3 of the General Terms;

12.1.60. acceptance of verbal requests for changing the Account used for repayment of the Loan, in accordance with clause 1.153 of the General Terms;

12.1.61. acceptance of notices from Clients as to their disagreement with Card Transactions in accordance with clause 6.10.1 of the General Terms;

12.1.62. acceptance of oral requests of Clients if there is not any Bank Subdivision in a city in which the Agreement was made with the Client (including due to optimization actions performed with regard to Bank Subdivisions):

to decline the participation in the insurance programs for Credit Cards (if applicable);

to obtain the Extended Credit Card Account Statement. The Call Center shall issue the Extended Credit Card Account Statement to the e-mail address provided by the Client to the Bank (in the Questionnaire/ Application/ other documents or through the Call Centre);

other requests with the consent of the Bank. 12.1.63. acceptance of oral requests of Clients, that are holder of Service Package "Premium" / "Premium 5"/ " Premium Direct ":

on cancellation of the Power of Attorney/powers of the Trustee to carry out safe deposit box operations issued by the Client with the Bank;

on revocation of the Instructions to transfer the funds in foreign currency issued by the Client in the System in accordance with para. 5.33 of the General Terms;

on making adjustments to the bank details of the Instruction previously executed by the Bank or conducting an investigation on the Instruction in accordance with para. 5.34 of the General Terms;

12.1.64. acceptance of oral requests from Payroll Clients, in cases agreed with the Bank: to connect the way to receive a One-Time Password in the form of SMS messages sent by the Bank to the Mobile Number for One-Time Passwords.

12.1.65. acceptance of the Client's confirmation of the resumption of the execution of the Order provided for in clause 5.5 of the General Conditions;

12.1.66. acceptance of an oral application for closing the Account in cases determined by the Bank;

12.1.67. acceptance of oral requests of the Client to refuse a special offer of the Bank specified in clause 7.6.7 of the General Terms and Conditions;

12.1.68. acceptance of other oral statements in cases determined by the Bank.

12.2. The Bank is entitled to record a telephone conversation with the Client. The Client by interacting with the Bank through the Bank's Call Center thereby grants his consent to the Bank to record a telephone conversation with the Client.

12.3. Where the Client applies to the Call Centre for the services, listed in sub-Clauses 12.1.10 - 12.1.17, , 12.1.2012.1.22 (as part of a Consumer Loan and a Credit Card) and cl. 12.1.25 -12.1.30, the Bank l identifies the Client with the use of a Code Word or the Client's telephone number available in the Bank's systems (at the discretion of the Bank).

When the Client turns to the Bank’s Call Centre for services listed in cl.12.1.18, 12.1.19, 12.1.21, 12.1.27 (in case the Client specified his e-mail for the first time), 12.1.31 - 12.1.68 the Bank shall identify the Client with the use of a Code Word and apart from the Code Word the Bank may request from the Client additional personal information required for identification of his/her personality.

When a Client contacts the Information Centre of the Bank requesting a service in accordance with Cl.12.1.16, the Bank shall be entitled to confirm the Client’s identity using only supplementary personal information required to confirm the Client’s identity.

When the Client applies to the Bank’s Information Center for the services listed in clauses12.1.23, 12.1.24 of the General Terms and Conditions, the Bank identifies the Client using additional personal information, and, in addition to additional personal information, has the right to request the provision of the Client Code word.

Services referred to in p.p.12.1.1- 12.1.912.1.17 of the General Conditions, do not need provision of the Code Word by the Client.

12.4. The Bank renders to the Authorized Representative being a Card Holder upon his oral application, transmitted by telephone to the Bank's Information Center, the services specified in cl. 12.1.1, 12.1.2, 12.1.4 - 12.1.7,12.1.11,12.1.16, 12.1.18, 12.1.19, 12.1.21, 12.1.32 of the General Terms. When the Authorized Representative addresses the Bank's Information Center for providing services listed in clauses 12.1.11 and 12.1.16 of the General Terms, the Bank shall establish the identity of the Authorized Representative - Supplementary Card Holder using the Code word or the Authorized Representative's telephone number available in the Bank's systems (at the discretion of the Bank).

When the Authorized Representative addresses the Bank's Information Center for the provision of services listed in cl. 12.1.18, 12.1.19, 12.1.21, 12.1.32 of the General Terms, in addition to the Code word, the Bank is entitled to request the provision by such Authorized Representative of additional personal information necessary for establishing his identity. At the same time, within the framework of providing the above-mentioned services to the Authorized Representative, the latter can receive information / perform actions only on the Supplementary Card.

The services specified in 12.1.1, 12.1.2, 12.1.4 - 12.1.7 of the General Terms shall be rendered without provision by the Authorized



Representative of the Code word.

12.5. The Bank provides the Child with the oral application transmitted by telephone to the Bank's Information Center, the services specified in cl. 12.1.1, 12.1.2, 12.1.7, 12.1.11 (within the operations of the Supplementary Card, the holder of which is the Child), 12.1.16, 12.1.18, 12.1.19, 12.1.32 of the General Terms. When the Child accesses the Information Center of the Bank for providing services listed in clauses 12.1.11 and 12.1.16 (provided that the Child reaches the age of 14) of the General Conditions, the Bank shall perform the identification of the Child using the Child's Code Word or the Child's telephone number available in the Bank's systems (at the discretion of the Bank). The services specified in 12.1.1, 12.1.2, 12.1.7, of the General Terms are provided without the Child providing the Child's Code word. When the Child applies for the services listed in clause 12.1.18, 12.1.19 and 12.1.32 of the General Terms, the Bank has the right to request that the Child provide additional personal information or request the Client (the legal representative of the Child) to apply to the Bank.

12.6. The Bank shall, upon an oral application transmitted by telephone to the Bank's Information Center, provide to the Authorized Representative98 (in the presence of the Code word of the Authorized Representative in the Bank), within the powers granted to him, the services specified in cl. 12.1.10 - 12.1.16, 12.1.25, 12.1.46 of the General Terms.

When the Authorized Representative applies to the Bank's Information Center for the provision of services listed in cl. 12.1.10 - 12.1.16, 12.1.25, 12.1.46 of the General Terms, the Bank shall establish the identity of the Authorized Representative using the Code word of the Authorized Representative or by the telephone number of the Authorized Representative available in the Bank's systems (at the discretion of the Bank). When the Authorized Representative applies to the Bank's Information Center for providing the service specified in clause 12.1.46 of the General Terms, in addition to the Code word of the Authorized Representative, the Bank is entitled to request the provision by the Authorized Representative of such additional personal information necessary to establish its identity.

12.7. If the Bank needs to contact the Client / the Authorized Representative / the Child by phone99 (for example, the Bank needs to inform the Client / the Authorized Representative / the Child about the Card or the Account or to confirm card operation), the Bank establishes the identity of the Client / Child / the Authorized Representative in accordance with clause 12.3 - 12.6. In this case, the Cardholder has the right to refuse to call the Code word / additional personal information and can call back to the Bank independently or contact the Bank's Division personally. If necessary, to bring information on the Supplementary Bank Card to the Child, the Bank is entitled to apply to the Client, who is his legal representative.

12.8. The Card Holder and the Bank undertake to keep the Code Word/in secret and do not give it to any third parties.

12.9. If the General Terms provide a possibility for processing (submitting) Client’s requests / instructions through the Call Centre of the Bank, the Client shall secure such request / instruction with a password, for which a Code word is used, to confirm that a request / an instruction was given by the Client. A telephone conversation between the Client and the Bank’s employee is recorded and stored by the Bank in accordance with its internal documents. The Bank and the Client confirm that the recording of the telephone conversation is sufficient documentary evidence of the fact of submission of requests / instructions of the Client to the Bank.

12.10. A person contacting the Bank Call Centre with an oral application/ Order order to the Bank who introduces himself as a Client and gives the correct Code Word of the Client or who calls from the Client's telephone number available in the Bank's systems (at the discretion of the Bank) shall be recognized as the Client. Within the Supplementary Card service (provided a Supplementary Card is issued in the name of the Authorized Person or Child) a person who introduces himself as a Card Holder and gives the correct Code Word or who calls from the Card Holder's telephone number available in the Bank's systems (at the discretion of the Bank) shall also be recognized as a Card Holder. The Bank shall not be liable for the consequences of any use of the Code Word or the Client's/ the Card Holder’s telephone number available in the Bank's systems by third parties. In case the Bank has reasons to suppose a person contacting the Bank is not a Card Holder the Bank shall have the right to refuse services specified by the cl. 12.1.10 - 12.1.68 to the said person despite of the correct password given.

In cases contemplated by cl. 12.3 of the General terms, in case of provision of any incorrect additional information requested by the Bank, the Bank may (but is not obliged to) refuse to provide services of the Bank’s Call Centre to the requesting person. In this case the Card Holder (provided that the Card Holder reaches the age of 14) may obtain the required service by turning to the Bank’s Sub-division. In case the Bank has a certificate confirming the Card Holder’s death the Bank may refuse to provide to a person applied relevant services of the Bank’s Call Centre.

12.11. The Bank may make a telephone call to the Card Holder contact number for additional confirmation of the Card Holder oral requests for the provision of services by the Bank’s Call Centre.

12.12. The information requested by the Card Holder pursuant to the provisions of this Clause may be provided by the Bank orally by telephone, by fax or e-mail (based on technical capabilities) to the Card Holder. The Bank shall not be liable for any possible unauthorised receipt of such information by any third parties for reasons beyond the Bank’s control.

12.13. As the Card Holder applies by telephone for the provision of the services, listed in this Clause, the date, time and fact of identification of the Card Holder with the use of the Code Word or the Card Holder’s telephone number available in the Bank's systems, as well as the contents of the Card Holder’s oral application/ Order shall be recorded by any means at the option of the Bank. The Bank shall have the right to keep an audio recording of the telephone conversation with the Card Holder and use the same for resolving matters in dispute as a proof.

12.14. Where the Card Holder applies to the Bank’s Call Centre, he shall understand that this will be communication through ordinary telephone lines without any additional means to ensure the confidentiality of conversations. In this connection, the Card Holder shall assume the risks related to the possibility that the information being transmitted can be received by third parties.

12.15. In addition to the telephone connection, the Client's applications referred to in subparas. 12.1.1 - 12.1.18, 12.1.20 - 12.1.28, 12.1.31 - 12.1.38, 12.1.40 - 12.1.44, 12.1.47 - 12.1.49, 12.1.52 - 12.1.55, 12.1.58 - 12.1.62, 12.1.65, 12.1.68 of the General Terms can be transferred to the Bank Information Centre via chat on the Bank's Website in real-time100. In case the Client applies for rendering of the services specified in cl. 12.1.18, 12.1.20 - 12.1.28, 12.1.31 - 12.1.38, 12.1.40 - 12.1.44, 12.1.47 - 12.1.49, 12.1.52 - 12.1.55, 12.1.58 - 12.1.62, 12.1.65 - 12.1.68 of the General Terms, the Bank shall carry out the procedure of the Client's identification using a four-digit numeric code. A four-digit numeric code shall be sent by the Bank to the Mobile Contact Phone Number of the Client and shall be entered by the Client in the chat window. The person presenting himself/herself as the Client who has entered a four-digit numeric code correctly shall be recognized as the Client. The Bank shall not be liable for the consequences of any use of a four-digit numeric code sent to the Mobile Contact Phone Number of the Client by third parties. In addition to using a four-digit numeric code, the Bank shall be entitled to request the Client to provide additional personal information

98 The service is provided as far as technical implementation 99 In addition to the Contact Mobile Number, the Bank is entitled to use other telephone numbers provided by them to the Bank to communicate with the Client / Authorized Person/ Child. 100 The service shall be rendered in proportion to its technical implementation.



required to identify him/her.

The Bank shall be entitled to make a phone call at the Mobile Contact Phone Number for further confirmation of the Client's applications for rendering of services submitted via chat to the Bank Information Centre. If the Bank has reasons to believe that the applicant is not the Client, the Bank shall be entitled to deny rendering of services to such person, despite the correct entry of a four-digit numeric code and indication of additional personal information.

12.16. In addition to telephone communications:

Client’s applications specified in clauses 12.1.1 - 12.1.68 of the General Terms,

Child’s applications specified in clauses 12.1.1, 12.1.2, 12.1.7, 12.1.11 (as part of the operations on the Additional Card held by the

Child), 12.1.16, 12.1.18, 12.1.19, 12.1.32 of the General Conditions,

Authorized Representative’s applications (as the Card Holder) specified in clauses 12.1.1, 12.1.2 - 12.1.4, 12.1.7, 12.1.11, 12.1.16,

12.1.18, 12.1.19, 12.1.32 of the General Conditions,

Authorized Representative’s applications (within the framework of the powers granted to him/her) specified in clauses 12.1.10 -

12.1.16, 12.1.25, 12.1.46 of the General Conditions,

can be transferred to the Bank's Call Center by e-mail to [email protected].

The information requested by the above persons is provided by the Bank’s Call Center in the manner specified in clause 12.12 of the General Terms. In cases where the identification of the Client / Authorized Representative / Child is required for the provision of information / services, the Bank makes a phone call to the Contact number of the Client / Child / Trustee's mobile phone to establish the identity of the person who submitted the application in the manner provided for in cl. 12.3 - 12.6 of General Terms.

12.17. If the Client / the Authorized Person/ the Child uses obscene language, insults or threats, the employee of the Bank Call Center has the right to stop providing the service and interrupt communication. In the event of repeated occurrence of such situations, the Bank is entitled to block the Contact telephone number of such a person for the purpose of receiving the services of the Bank Call Center listed in Section 12 of the General Conditions.

13. Provision of Services to Clients through Raiffeisen Teleinfo System

13.1. The Client may receive access to Raiffeisen Teleinfo System in accordance with the procedure established in this Clause. The possibility to have access to Raiffeisen Teleinfo System is dependent on technical facilities of the Bank’s Subdivision servicing the Client.

Banking services can be provided through Raiffeisen Teleinfo System in respect of certain types of Bank and Credit Cards, information on which the Client may receive in any Subdivision of the Bank or on Bank’s Website.

13.2. To receive services in Raiffeisen Teleinfo System the Client may use both stationary and mobile telephone sets with a tone dialling mode.

13.3. To receive access to Raiffeisen Teleinfo System the Client must have a valid Card and apply to the Bank’s Call Centre and then follow voice prompt messages selecting necessary services by additional dialling.

13.4. For use Raiffeisen Teleinfo System the Bank assigns to the Client a unique PIC. For assignment of PIC the Bank identifies the Client using a Code Word as well as additional personal information required for identification of the Client. . In cases determined by the General Terms, PIC may be sent automatically to the Contact mobile phone number of the Client.

13.5. In accordance with rules of this Clause the Bank is obliged to render101 the Client in Raiffeisen Teleinfo System the following automatic services102:

13.5.1. provision of information on exchange rates of the Bank being in effects at the moment of the Client’s application to Raiffeisen Teleinfo System, methods of replenishment of the Account / Card;

13.5.2. provision of information on the Available Balance as well as information on 3 last Card Transactions (except for placement of cash through «Cash-in» automated teller machine of the Bank and POS – terminal installed in the Subdivision of the Bank);

13.5.3. provision of information on amount of the Indebtedness as of the date of Statement of Credit Card, Minimum Payment, Total Loan Indebtedness and Minimum Payment repayment term;

13.5.4. provision of information on balance amount of the Loan, the amount and the date of the next monthly payment towards repayment of the Loan103;

13.5.5. provision of information on the amount of the Available Balance;

13.5.6. provision of information on the amount, the term of the Deposit and interest accrued for the Deposit;

13.5.7. production of PIN to a Card;

13.5.8. Card Blocking;

13.5.9. blocking of the System;

13.5.10. provision of information on location and operation hours of Bank Subdivisions and ATMs;

13.5.11. acceptance of the application for connection of the "Transaction Notification" Service.

13.6. When the Client applies to Raiffeisen Teleinfo System for the services specified in clauses 13.5.2, 13.5.3, 13.5.5 the Bank identifies the Client using PIC or Contact mobile phone number and the last 4 digits of the Card, and the Bank considers the Client’s actions listed in Cl. 13.5 of these General Terms and Conditions performed using the PIC as a confirmation certified by the Client’s Handwritten Signature Analogue.

13.7. The Client and the Bank shall maintain secrecy of PIC not disclosing it to any third parties.

101 The services set in clauses.13.5.2, 13.5.7, 13.5.9 are available in English. 102 If services may be rendered through the Call Cr and through Raiffeisen Teleinfo System the Bank may provide the service selecting the service channel at its own discretion - either through the Call Center or through Raiffeisen Teleinfo System. 103 Not available for the Loans granted for purchase of a Vehicle.




14. Service Packages

14.1. Service Packages are provided to the Clients by the Bank through one of the following methods:

- before 21.07.2014 – on the basis of Agreement on providing a Service Package;

- after 21.07.2014 – by connection of a Service Package under the concluded Current Account agreement in accordance with the General Terms.

Statements of the present Clause are applied (if applicable) to the Clients concluding with the Bank an agreement on providing a Service Package. In case of any conflict of provisions of an agreement on providing a Service Package concluded by the Client and provisions of the General Terms the latter shall prevail.

14.2. A prerequisite for connection of the Service Package (with the exception of the Service Package "Premium 5") is to open an Account and issue a Bank Card to it as part of the Service Package or issue a Bank Card to a previously opened Account. The Service Package "Premium 5" is activated on the condition that the customer has an Account.

14.3. The connection of a Service Package, acceptance of applications for card issue under a Service Package are effected on the basis of the Client’s application filed with the Bank:

In written in the Bank Subdivision;

in cases and on conditions determined by the Bank, orally by telephone of the Call Centre of the Bank104 in accordance with the provisions of Clause 12;

via the System - only for Clients who already have an Account (s) opened at the Bank, and for certain types of Service Packages for which this possibility is provided for by the Tariffs for Service Packages. The procedure for certifying this application is defined in the clause 10.2.13 of the General Terms.

14.4. A Service Package is activated by the Bank at the time of opening the first account as part of the service package, or issuing the first card as part of the Service Package (if the current account has already been opened earlier), or on the day of acceptance of the application from the Client, in accordance with which the Service Package is connected (if a transfer of a valid card to service within the Service Package is provided).

14.5. At the Client’s connection of a Service Package by application to Call Centre of the Bank the Client shall provide the following within the telephone conversation with a Bank’s employee:

the type of the Service Package the Client wants to connect;

types of Bank Cards the Client wants to issue / re-issue at the connection of a Service Package / under the actual Service Package, the Account(s) where Bank Cards should be issued to and/or actual Bank Cards that should be transferred to service under the Service Package.

Bank Card can be issued in the Client’s/ Authorized Representative’s name (applicable only to holders of Service Package "Premium"/ "Premium 5" and "Premium Direct" provided that the Bank has a Power of Attorney (for transactions on the Account which Additional Card is issued to), the validity of which is not less than the term of Additional Card issue). The Client’s/ Authorized Representative’s name is embossed (printed) on the Bank Card in Latin letters in accordance with applicable transliteration rules of the Bank unless the Client applies anything in the contrary. If the Client wants to re-issue his/her actual Bank Card as a Bank Card of another type under the Service Package being connected to him/her the previous Bank Card is terminated no later than the next Working Day (except for Saturday) after the date when the Bank accepts the Client’s order.

Attestation of the above applications on a Service Package connection and other additional services provision under the Service Package is made in accordance with the rules set by the Section 12.If the Client has no Code Word particulars of the passport of the RF citizen (applicable only to Payroll Clients) can be used as a password, confirming the order was given by the Client. On receipt of the necessary confirmation from the Client the Bank connects Service Package / provides additional services within the existing Service Package.

14.6. If the Client, the holder of the Service Packages "Premium", takes a special offer105 of the Bank, placed in the section "Offers for You" in the System, he can transfer service of his Bank Cards from the Service Package "Premium" to the Service Package "Premium 5" by disabling the Service Package "Premium", and connecting the Service Package "Premium 5". The Client's application for the adoption of the special offer of the Bank in the System is confirmed by the fact that the Client’s identification and giving access to the System (with login, password or other identifiers mentioned in Sec. 10.2 of the General Terms).

14.7. Starting from the date of connection of a Service Package the servicing of Card Account(s) and Bank Card(s) under the Service Package is effected in accordance with the Tariffs on Service Package.

14.8. Unless stated otherwise for maintaining a Service Package the Bank charges a monthly fee in accordance with the Tariffs on Service Packages. The Bank debits a monthly fee for maintaining a Service Package in any working day of a calendar month next to the month of a Service Package maintaining, from any Client’s current account opened in a Bank. If the fee is debited from the Account opened in a currency different from Russian roubles, then the fee is debited in the currency of the Account in the amount equivalent to the fee in Russian roubles at the rate specified by the Bank of Russia on the day of debiting.

14.9. At the connection of a Package of Service and in the framework of its further servicing Service Package current accounts of the types specified in the Tariffs for Service Packages can be opened for the Client. The current accounts can be opened by personal appeal of the Client to a Bank Subdivision, as well as in course of procedure envisaged by the clause 3.39 of the General Terms.

14.10. If it is provided for by the Service Package Tariffs if within one calendar month of service of a Package of Service there are no operations on all Card/ Accounts (excluding write-offs by the Bank in the established order of payments in favor of the Bank, remuneration due to the Bank, fines, penalties and other similar payments), no Positive Balance of all Accounts, Available Balance on all Accounts/ Cards the Client hereby authorizes the Bank to suspend the maintenance of a Package of Service for a period of up to 6 (six months). The Bank does not charge a monthly fee for maintaining a Package of Service for the aforementioned period.

Maintenance of a Package of Service resumes automatically when the Client makes a Card/ Account Transaction or replenishes any of his/her Accounts. In this case, the write-off of the fee for maintaining a Package of Service is carried out in accordance with cl.14.8 of these General Terms.

Types of Packages of Service maintenance of which may be suspended in accordance with this clause are specified in the Tariffs on Service

104 Information on the availability of such a possibility can be obtained in the Information Center of the Bank. 105 The service is available according to the extent of technical realization.



Package.

14.11. The Client can change the type of the previously connected Service Package. Modification of the Service Package (simultaneous disconnection of the current Service Package and connection of a new Service Package) and reissue of the Cards (if applicable) are made by the Bank based on the Client’s application in the form of the Bank submitted by the Client in the Bank Subdivision or via the Bank Information

Center. If the terms of the new Service Package do not provide for the types of Cards issued to the Client as part of the Service Package that is changed, then such (s) Card (s) (at the choice of the Customer indicated by him in the corresponding application) are subject to closure or reissue under the new Service Package. The Bank is entitled to refuse to change the Service Package in the event of:

‒ non-payment by the Client of the monthly fee for servicing the Package of Services, in accordance with the Tariffs for the Package of Services;

‒ the Client’s refusal to close / re-issue the Card (s) issued in the context of the Package of Services that is changed;

‒ non-compliance by the Client with the conditions specified in clause 14.2 of the General Terms;

‒ when receiving by the Bank information on the introduction of bankruptcy proceedings against the Client.

14.12. Disconnection of the Service Package can be made:

14.12.1. upon application of the Client:

submitted to the Bank Subdivision;

submitted to the Bank through the Call Centre of the Bank in accordance with cl. 12.1.33 of the General Terms on condition of simultaneous blocking upon the Client's wish of all Bank Cards issued in the framework of a Service Package. In that case in course of telephone conversation the Client tells to the Bank’s employee about his/her wish to terminate the agreement on providing the Service Package / to disconnect the Service Package and Block all Bank Cards issued in the framework of the Service Package. Filling out and confirmation of the application is fulfilled in accordance with the rules set by the Section 12. If the Client does not wish to block all Bank Cards issued in the framework of the Service Package (if simultaneous blocking of all cards at disconnection of a Service Package is not specified by the Tariffs on Service Package), termination of the agreement on providing the Service Package / disconnection of the Service Package is possible only in the Bank Subdivision.

14.12.2. on the initiative of the Bank:

if the Client does not pay monthly fee for maintaining the Service Package, in accordance with the Tariffs on the Service Packages;

applicable for the “Golden” and “Optimal” Service Packages - in the case of Blocking all Client’s Cards opened within the Service Package;

applicable for the Salary Services Package - if the Client does not become the Salary Client / Individual Salary Client after the two months from the date of activation of the Salary Service Package, or if there are Grounds for detaching a Payroll Client;

applicable for the Service Package “Premium Direct”- in the case of Blocking of all cards and if the Client does not have credit products of the Bank;

in the case of closing all current accounts of the Client;

when receiving by the Bank information on the introduction of bankruptcy proceedings against the Client;

if service of a Package of Service and the Account (s) and Bank (s) card (s) within Package of Service will not be renewed by the Client before the expiry of the maximum period of suspension specified in the cl. 14.10 of these General Terms.

14.12.3. in other cases and in accordance with the procedure envisaged by the Russian Federation legislation.

14.13. After Disconnection of a Service Package the Tariffs on the Service Package are not applied, provided that:

regime of current accounts opened in the framework of a Service Package without the possibility to issue Bank Cards for them either changes to regime with the possibility to issue Bank Cards for them and standard Tariffs on current accounts are applied for them, or is preserved and to such current accounts (without the possibility to issue Bank Cards for them) are applied the Tariffs on current accounts without the possibility to issue the Bank Card – depending on what is directly stated in the Tariffs on Service Packages in relation to these accounts. The last day of interest accrual according to the interest rate stated in the Tariffs on the Service Package shall be the day of the Disconnection of a Service Package.

further servicing of Accounts of the Client belonging to the Service Package is carried out in accordance to the Tariffs specified in the Agreement;

further servicing of Bank Card belonging to the Service Package is carried out in accordance to standard Tariffs unless the Tariffs on the Service Package specify anything in the contrary.

14.14. Service Package shall be disconnected if the Bank receives documents bearing evidence of Client’s death. The Service Package shall be disconnected on the day when documentary confirmation of the fact of Client’s death has been delivered to the Bank.

15. Particularities of providing services to Payroll and Individual Payroll Clients

15.1. Unless otherwise stated in the General Terms, the Bank shall offer the Client an opportunity to receive services in accordance with Tariffs for Payroll Clients. The Payroll Client is transferred by the Bank to the service scheme based on Tariffs for Payroll Clients not later than 10 Working Days from the day when the Bank receives a letter from Payroll Client’s Employer notifying the Bank of putting this C lient onto the salary program or, if provided for in the Agreement, no later than Fifteen (15) Business Days from the date of receipt of salary (other payments stipulated by the Agreement) to the Payroll Client Account from the employer of the Payroll Client.

15.2. If there are Grounds for disconnecting any Payroll Client, the Bank shall, within 14 calendar days, disconnect the Payroll Client from the payroll project; in this case:

15.2.1. If such a Client owns a Bank Card at the moment when they are detached from the salary program, the Bank shall continue to provide services to such a Client in accordance with Tariffs for Payroll Clients over a period of 2 (two) calendar months following the month when the Ground for detaching a Payroll Client occurred.

15.2.1.1. If the Client closes all his Cards within the period stated in Cl. 15.2.1 of the General Terms, services for this Client shall be provided in accordance with standard Tariffs applicable to the individuals’ Accounts. The Borrower may familiarise himself with the terms



and conditions thereof at any time in the Bank Subdivisions, on the Bank’s Website or through the Bank’s Information Centre (hereinafter referred to as Standard Tariffs). Clause 2.13 of the General Terms shall not apply to this situation. The bank shall transfer the Payroll Client to the abovementioned Standard Tariffs not later than the last calendar day of the month following the month when the last Bank Card of the Client was closed.

15.2.1.2. If by the end of the period stated in Cl. 15.2.1 of the General Terms the Client meets requirements established by the Bank for Payroll Clients (according to Cl. 15.5 of the general Terms), further services shall be provided to the Client in accordance with Tariffs for Payroll Clients. If the Client does not meet the requirements, they shall be transferred to the services scheme working in accordance with Standard Tariffs. Such a Client is transferred to the scheme based on Standard Tariffs not later than on the last calendar day of the month following the month when the period stated in Cl. 15.2.1 of the General Terms ended.

For Payroll Clients whose service terms stipulated under the Agreement differ from those set forth in Cl. 15.2 of the General Terms, provisions of the General Terms prevail.

15.2.2. If the Payroll Client does not have Bank Card at the moment of Client’s detachment from the salary program, they are transferred by the Bank to the service scheme based on Standard Tariffs, within one calendar day from the moment of such detachment.

15.3. If the funds (salary and/or other payments stipulated under the Agreement) have not been transferred by the employer to Payroll Client’s Account for a period of over 3 consecutive months, the Bank is entitled to forward an enquiry to the Employer in order to obtain some information regarding the fact whether this Payroll Client is employed by this Employer or not. Unless the Bank receives a reply from the Employer within 14 calendar days from the day when the enquiry was sent, the Client shall be detached from the salary program and provisions of Cl. 15.2.1 and Cl. 15.2.2 of the General Terms shall be applied to them.

15.4. Provisions set forth in Clauses 15.1– 15.3 of the General Terms shall not be applied to Payroll Clients belonging to the Private Banking category (Private Banking Service). Tariffs for Clients belonging to the Private Banking category (Private Banking Service) are applied in this case. In the event of any conflict in this part between the provisions of the General Terms and the Agreement, the provisions of the General Terms shall prevail. The procedure of terminating Tariffs for Clients of the Private Banking category (Private Banking Service) with regard to a Payroll Client and transferring them to the scheme with Standard Tariffs is determined based on the Tariffs for Clients of the Private Banking category (Private Banking Service).

15.5. The Client is recognized by the Bank as Individual Payroll Client no later than the end of the calendar month following the month of the first transfer of funds to the Account of this Client (starting from February 01, 2015) with the purpose of payment indicating the Client receives salary from the account (s) of individuals and / or entities open (s) in the third-party credit institutions, and / or from the account (s), legal entities, public (s) with the Bank and in the case the Client complies with the Bank’s requirements specified in para. 1.56 of these General Terms. Since this recognition this Client is served by the Bank in accordance with the Tariffs on Bank Cards and Accounts for payroll clients.

15.6. Service of the Individual Payroll Client within the Tariffs on Bank Cards and Accounts for payroll clients terminates upon the occurrence of one of the following events:

If for two or more consecutive calendar months since the last money transfers with the purpose of payment indicating the Client receives salary from the account (s) of individuals and / or entities open (s) in the third-party credit institutions entered the Account of the Individual Payroll Client or the amount of these transfers during the above mentioned period was less than the amount specified in the Tariffs on Bank cards and Accounts for payroll clients.

When all Client’s Cards are closed.

In this respect, the Bank terminates servicing the Client as the Individual Payroll Client and transfers the Client to the standard tariffs on the date of such transfer no later than the last day of the third consecutive calendar month since one of the events mentioned above.

15.7. The Payroll Client agrees the Bank to provide to the employer, with whom the Agreement is concluded, information on the number of its current account in Russian rubles that is used for the transfer by the employer of wages and other payments in accordance with the Agreement.

15.8. The Payroll Client instructs his employer, with whom the Agreement is concluded, to represent his interests in the Bank on the issue of updating information about him (except for the Code Word and Contact Number), namely to transfer to the Bank all the necessary information and documents, including in the form of scan images on the ELBRUS Internet (a remote banking service system for legal entities and individual entrepreneurs), signed by the electronic signature of the employer of the Payroll Client, as well as perform all actions necessary to complete this assignment. With such an update of the information about the Client, the application for changing personal data is not required.

15.9. Particularities of providing services with regard to Bank Cards owned by Payroll Clients

15.9.1. Bank Cards are reissued according to the procedure set forth in Section 6 “Servicing Accounts with a possibility of using a Card” of the General Terms with the following features borne in mind:

- Bank Cards issued by the Bank with a validity period of 1, 3 and 4 years (save for the Bank Cards) may be reissued for Payroll Clients if the Bank has received confirmation about the Bank Card reissue from the company employing such a Payroll Client;

- The annual fee for servicing the Bank Card may be paid by Payroll Client’s employer if it has been stipulated under the Agreement.