1

JOINT STOCK COMPANY “CREDIT AGRICOLE BANK” (JSC CREDIT AGRICOLE BANK) The Version is effective from July 03, 2020

THE RULES OF COMPREHENSIVE BANKING SERVICES FOR PRIVATE INDIVIDUALS

2

TABLE OF CONTENTS

І GENERAL PROVISIONS

ІІ TERMS AND DEFINITIONS

ІІІ RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

3.1. RIGHTS OF THE CUSTOMER

3.2. OBLIGATIONS OF THE CUSTOMER

3.3. RIGHTS OF THE BANK

3.4. OBLIGATIONS OF THE BANK

3.5. RESPONSIBILITY OF THE CUSTOMER

3.6. RESPONSIBILITY OF THE BANK

3.7. PREVENTION AND COUNTERACTION TO LEGALIZATION (LAUNDERING) OF PROCEEDS FROM CRIME, FINANCING OF TERRORISM AND PROLIFERATION OF MASS DESTRUCTION WEAPONS

IV PECULIARITIES OF CARD ACCOUNT AND PAYMENT CARD USE

4.1. TERMS OF CARD ACCOUNT SERVICE AND CARD USE

4.2. PECULIARITIES OF “SALARY” CARDS SERVICE

4.3. PECULIARITIES OF CARDS SERVICE UNDER “PENSION/SOCIAL CARD” PRODUCT

4.4. PECULIARITIES OF “DEPOSIT” CARDS SERVICE

4.5. PECULIARITIES OF INSTANT CARDS SERVICE

4.6. PECULIARITIES OF CARDS SERVICE AND PROVISION OF OTHER SERVICES UNDER PACKAGE OFFERS

4.7. PECULIARITIES OF CARD SETTLEMENTS VIA THE INTERNET SERVICE

4.8. PECULIARITIES OF “CREDIT CARDS”

4.9. PECULIARITIES OF CREDIT LIMIT INDEBTEDNESS AMORTIZATION

4.10. SUBSTANDARD SITUATIONS WITH A CARD AND IN THE PROCESS OF ATM UTILIZATION

4.11. SMS-NOTIFICATIONS

4.12. PECULIARITIES OF “MOBILE SAVINGS” SERVICE

4.13. ADDITIONAL CARD ACCOUNT SERVICE

4.14. CARD ACCOUNT CLOSURE.

4.15. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

V PECULIARITIES OF CURRENT AND DEPOSIT ACCOUNTS USE

5.1. OPENING AND MAINTENANCE OF CURRENT AND DEPOSIT ACCOUNTS OF THE CUSTOMER

5.2. FORMS AND PROCEDURES OF SETTLEMENT

5.3. PROCEDURE OF INTEREST ACCRUAL, PAYMENT AND CHANGE

5.4. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

5.5. PLEDGE OF RIGHTS TO BANK DEPOSIT

5.6. PROCEDURE OF ACCOUNTS CLOSURE

VI BANKING SERVICE “SAFE DEPOSIT BOX LEASE”

6.1. GENERAL TERMS AND PROCEDURE FOR PROVISION OF BANKING SERVICE “SAFE DEPOSIT BOX LEASE”

6.2. LIST OF AGENTS, MATERIALS AND OBJECTS PROHIBITED FOR STORAGE IN THE SAFE DEPOSIT BOX

6.3. PROCEDURE OF BIOMETRIC SCANNING

6.4. RIGHTS AND OBLIGATIONS OF THE PARTIES

VIІ CUSTOMER SERVICE VIA THE I-BANK SYSTEM

7.1. GENERAL PROVISIONS

7.2. THE RSS IB ACCESS MODE

7.3. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING TRANSACTIONS WITH ACCOUNTS AND PAYMENT CARDS USING THE RSS IB

7.4. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING DEPOSIT TRANSACTIONS USING RSS IB

7.5. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING TRANSACTIONS USING THE RSS IB REGARDING LOANS ISSUED TO THE CUSTOMER

7.6. OBLIGATIONS OF THE PARTIES

7.7. RIGHTS OF THE PARTIES

7.8. RESPONSIBILITY OF THE PARTIES

7.9. PECULIARITIES OF WORK IN THE I-BANK SYSTEM. DATA PROTECTION. INFORMATION SECURITY.

7.10. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

VIІI CUSTOMER SERVICING WITH THE HELP OF PAYMENT APPLICATION “CA+”

IX MISCELLANEOUS

9.1. BANKING SECRECY

9.2. PERSONAL DATA PROTECTION

9.3. SETTLEMENT OF DISPUTES

9.4. NOTIFICATIONS

9.5. CREDIT HISTORY BUREAU

9.6. PAYMENTS

9.7. JOINT AND SEVERAL LIABILITY OF THE CUSTOMER

9.8. CURRENCY CLAUSE

9.9. REPRESENTATIONS AND WARRANTIES OF THE CUSTOMER

3

9.10. THE CUSTOMER’S CONSENT TO INDEBTEDNESS REPAYMENT BY THE THIRD PARTY

9.11. THE CUSTOMER’S CONSENT TO RECORDING OF TELEPHONE CONVERSATIONS

9.12. THE CUSTOMER’S CONSENT TO RECEIVING OF THE EXTRACT FROM THE STATE REGESTER OF CIVIL STATUS BY THE BANK

9.13 THE CUSTOMER’S CONSENT TO RECEIVING OF THE EXTRACT FROM THE REGISTER OF POWERS OF ATTORNEY BY THE BANK

9.14. DEPOSIT GUARANTEES

X FATCA. CONDITIONS OF HANDLING OF TRANSACTIONS UNDER SUPERVISION OF THE CUSTOMERS OF JSC CREDIT AGRICOLE BANK

XI AMENDMENTS AND TERMINATION OF THE AGREEMENT

4

І. GENERAL PROVISIONS

The present Rules of comprehensive banking services for private individuals (hereinafter referred to as the Rules) being an integral public part of the Banking Service Agreement (hereinafter – the Agreement), define the list of Banking services, procedure and terms of Banking services provision, rights and obligations of the Bank and the Customer, procedure of settlement and responsibility of the Parties, grounds for denunciation and/or Banking service termination, and other peculiarities of certain Banking services rendering.

The Rules shall be applied with due account for the terms of the Agreement, from the date of the Agreement concluding by the Parties. Should the terms of the Agreement contradict the Rules, the provisions of the Rules shall be applied to settle relations between the Parties to the Agreement.

The Customer shall receive Banking Services under the Agreement on the basis of the relevant Applications, which shall be submitted in the following ways:

- in paper form, in two counterparts; - in electronic form through the Remote Service System i-Bank or the Payment ApplicationSystem using the Electronic digital signature in

accordance with the effective Ukrainian lawlog. The Bank agrees to provide the Banking service on the terms and conditions set out in the relevant Application by: (i) signing such Application

by a duly authorized representative of the Bank whose signature shall be certified by the Bank seal or (ii) the relevant notification of the Customer by the Bank in paper-based or electronic form through Client-Bank System/ other information and telecommunication systems. The Application signed (approved) by the Bank shall represent an integral part of the Agreement.

The List of Banking Services the Bank renders to the Customer based on the Banking Service Application accepted from the Customer:

1. OPENING AND MAINTENANCE OF CURRENT (CARD) ACCOUNT IN THE NATIONAL AND FOREIGN CURRENCIES. ISSUE OF PAYMENT CARDS AND SERVICE OF PAYMENT CARDS OPERATIONS

“SALARY” CARD “PENSION/SOCIAL” CARD “DEPOSIT” CARD “INSTANT” CARD CREDIT CARD “PREFERTA” CREDIT CARD CREDIT CARD under “Salary and loan” “MOBILE SAVINGS” SERVICE

2. OPENING AND MAINTENANCE OF CURRENT AND DEPOSIT ACCOUNTS IN THE NATIONAL AND FOREIGN CURRENCIES

CURRENT ACCOUNTS INVESTMENT ACCOUNTS “CHILD” DEPOSIT “ACCUMULATIVE” DEPOSIT “SAVINGS” DEPOSIT “PROSPECT” DEPOSIT “TERM” DEPOSIT “MONTHLY INCOME” DEPOSIT “SAVINGS” DEPOSIT (“SALARY AND LOAN” PROJECT)

3. SAFE DEPOSIT BOX LEASE

4. CUSTOMER SERVICE VIA THE I-BANK SYSTEM

ІІ. TERMS AND DEFINITIONS

Application-Questionnaire Internal document of the Bank executed according to a form established by the Bank, which is signed by the Customer before the Agreement conclusion and contains information necessary for the Customer due diligence by the Bank.

Authentication

Process of verification (identification) of the Customer when logging in the i-Bank System/the Paymen Application and when performing transactions in the i-Bank System/the Payment Application.

Authorization1 Procedure for receiving permission to perform transactions using the Card.

Authorization2

Procedure of verification whether Login and Logon Password (the First Logon Password – if the RSS IB is entered for the first time or in case the First Logon Password is generated one more time) were correctly entered in order to grant the Customer access to the RSS IB, or a procedure of verification whether Short Access Code was correctly entered in order to grant the Customer access to the Mobile Application.

Authorization Limit Limit on the number and amount of transactions using the Card.

Automated Teller Machine (hereinafter, ATM)

Software and hardware complex that enables the Holder to perform self-service using the Card and receive cash, transfer funds for entry to the respective accounts, receive information on the Card Account balance, as well as perform other transactions in line with functional capabilities of the device.

Bank JSC CREDIT AGRICOLE BANK and any and all of its structural units: the Head Office, branch, central outlet, interregional directorate, outlet.

Banking Service Application Written document(s) signed by the Customer in due form approved by the Bank and submitted by the Customer following the procedure stipulated in the Agreement for the purpose of Banking Service delivery with a proposal of Banking Service delivery. It is an integral part of the Agreement.

Banking Service Cancellation Application

Written document(s) signed by the Customer in due form approved by the Bank and submitted by the Customer following the procedure stipulated in the Agreement for the purpose of Banking Service Cancellation with a proposal of the Agreement early termination with regard to delivery of the corresponding Banking Service. It is an integral part of the Agreement.

1 For the purposes of Chapter IV “PECULARITIES OF USING CARD ACCOUNT AND PAYMENT CARDS” of the Rules. 2 For the purposes of Chapter VII “SERVICING CUSTOMERS VIA THE I-BANK SYSTEM of the Rules.

5

Business Day A day when banking institutions in Kyiv city, including the Bank, are opened for Customer transactions.

Business Day Means a day when commercial banks and foreign exchange markets in Kyiv and relevant financial centers of the countries, the currencies of which are used, are opened for transactions and money transfers.

Card Electronic payment tool in the form of Visa or MasterCard Card issued by the Bank and used for making transactions in the Card Account. Hereinafter referred to as Debit Card (including additional Card opened to the principal Card of Card Account Owner) and/or Credit Card depending on the nature of transaction.

Card Account Current account opened by the Bank in the name of the Account Owner where transactions initiated with the help of the Card, as well as other transactions are accounted in accordance with the Card Account mode.

Card Account Owner A Private Individual who legitimately opened a Card Account with the Bank

Card Blocking Depriving the Holder of the opportunity to use the Card by means of its entry to the Stop-List.

Changes Amendments to the Agreement, Tariffs, Rules.

Code for Payments

Combination of digits generated by the Bank’s software and automatically sent to Customer in a SMS to the mobile phone number indicated in the Banking Service Application by the Customer. It is used during Customer Identification procedure.

Contact Center/Information Support Center

The Bank’s Contact Center the phone numbers of which are published on the Official Website of the Bank.

Credit Card

The Card issued to the Holder in the process of the Card Account opening under the Credit Scheme of services in the framework of the respective product that enables payments or receipt of cash at the expense of the loan granted by the Bank.

Credit Card Account Card Account where they account transactions with Cards within the limit of funds accounted in the Card Account of the Holder at the expense of the loan granted by the Bank.

Credit Limit Maximum (limit) loan amount that may be granted by the Bank under the Card Account opened in the name of the Account Owner in line with the terms of the Agreement/Banking Service Application.

Credit Line A form of lending when the Holder is entitled to receive a loan by installments (in tranches) within the established credit limit.

Credit Scheme Performance of payment transactions by the Holder with the use of the Card at the expense of funds provided to the Holder on credit by the Bank or within the credit line.

Customer Private individual or a Private Entrepreneur, who concluded the Banking Services Agreement with the Bank and is a corresponding Party under the mentioned Agreement, and also his/her representative (legal representative, representative under power of attorney, etc.).

CVV2/CVC2

Mandatory element in a technological process of Card manufacturing, a way to prevent and protect from fraud in the process of settlements made using Cards. Three digit code for verification of payment system Card’s authenticity. This code is applied to the stripe to be signed by the Holder using indent printing. It is used as a protective element when transactions without the presence of the Card are performed.

Day A span of time from 0 to 24 hours Kyiv time

Debit and Credit Scheme The Holder’s transactions using the Card within the balance of funds accounted in the Card Account, and in the event of their lack or absence – at the expense of the loan granted by the Bank.

Debit Card

Card enabling the Holder to make payments or receive cash within the balance of own funds in the Card Account.

Debit Card Account A separate Card Account or a Card Account connected with the Credit Card Account where transactions with the Cards within the balance of funds of the Card Account Holder are accounted.

Debit Scheme The Holder’s transactions using the Card within the Balance of funds accounted in the Card Account.

Depositor

Customer of the Bank to have concluded the Agreement and allocated the banking deposit or to the benefit of whom the Agreement was concluded and banking deposit allocated (after his/her identification by the Bank and providing of necessary documents as required by the Law and Bank’s internal regulatory documentation).

Direct Debit Right of the Bank to debit funds from the Customer’s account/accounts in its own favor and/or in favor of third parties stipulated in the agreement concluded between the Bank and the Customer. The procedure of direct debit based on the Agreement and the Rules is described in Section 3 hereof.

Due diligence

Measures that include the following: Identification and verification of the Customer (his/her representative); Identification of the ultimate beneficiary owner of the Customer or his/her absence, including receipt of the ownership structure in order to understand it, and data that allow to identify the ultimate beneficiary owner, as well as taking measures to verify his/her identity (if available); Establiahment (understanding) of the objective and nature of future business relations or performance of financial transaction; Performance of permanent monitoring of business relations and financial transactions of the Customer carried out during such relations for compliance of such financial transactions with the information about the Customer, his/her activity and risk (including, if necessary, about source of funds related to the financial transactions) available to the Bank as the subject of initial financial monitoring; Ensuring that the received and existing documents, data and information about the Customer are updated.

Enterprise

Legal entity (also the Bank) or sole proprietor using hired labor, with which the Card Account Owner has labor relations.

6

FATCA

The Law of the United States of America “Foreign Account Tax Compliance Act”, coming into effect since 01.07.2014, targets prevention of money laundering and outlines mandatory procedures for all financial institutions-FATCA members, including the Bank, as follows: - to identify new and existing Customers to authenticate the US Tax Residents, i.e. Customers and/or Trustees of Customers who are citizens of the USA, have permanent residence on the territory of the USA or in view of other circumstances are obliged to pay tax in compliance with the US legislation, and provided the Bank with W9 form duly filled as required by the US Tax Service with specified Taxpayer Identification Number (TIN) of the Customer/Customer Trustee (hereinafter – FATCA identification); - to report financial data to the US Internal Revenue Service, namely information on Customers – the US Tax Residents, their accounts and operations on these accounts, as well as individuals who didn’t provide necessary information for FATCA-identification, etc.; - disclosure of information on FATCA-identification results on demand of the US Internal Revenue Service concerning individuals participating in money transfers to the Customer’s accounts and also in other cases previewed by FATCA; - Withholding “penalty” tax amounted to 30% of money transfers of Customers who didn’t provide necessary information for FATCA-identification with further transfer of the mentioned amounts to the US Internal Revenue Service.

First Logon Password Password for the first Authorization of the Customer in the RSS IB (or Authorization after repeated generation of the First Logon Password) which is automatically generated by the RSS IB and is sent to the Customer in SMS message to Secure phone number.

Grace Period Period during which the reduced interest rate (Grace period interest rate) shall be applied to the Credit Line debt under conditions defined herein.

Holder

A private individual who legitimately uses the Card to initiate transfer of funds from the respective Card Account with the Bank or performs other transactions using the Card. Hereinafter in the text the term Holder shall refer both to the Card Holder and to the Account Holder depending on the nature of transactions.

The i-Bank Remote Service System (the RSS IB)

Banking system available via the Internet using which the Customer initiates and the Bank performs banking transactions specified in the Rules.

Identification Measures taken by the Bank as the subject of initial financial monitoring in order to identify a person by receiving his/her identification data.

Identity Authentication Procedure of verification and identification of a Customer in the event of his/her application to the Contact Center and showing an intention to obtain information on his/her accounts status, opened at the Bank, these accounts activity and other information on the Bank’s products and services of this Customer.

Inactive account

Current or Card account¹, on which at the time of accrual/charging of the fee for maintenance of Inactive accounts by the Bank there is no cash flow² during 90 and more calendar days: А) from the date of the latest transaction on the account; B) From the date of conclusion of bank account agreement/execution of Application for Banking service of current/Card account opening. ¹ except for current accounts used by the Customer to receive interest on deposit and/or return of deposit placed with the Bank; for payment of accrued interest on loans received from the Bank; for which there are valid orders of the Customer for performance of regular payments and/or direct debit from current account by the Bank; are under seizure or funds in them are pledged to the Bank. ² except for transactions of payment of interest to the account of the Customer accrued by the Bank on the balance of funds on this account and/or transactions of debiting of fees by the Bank for provided services, and/or debiting of feed (if any) for maintenance of Inactive account set out in the Tariffs, as well as operations on revaluation of FX balance.

Instruction

A reference document being an integral part of the Agreement, available at the Official website of the Bank and being the source of information regarding issues of the i-Bank System utilization.

Interest Rate for the Grace Period Interest that the Bank accrues to the Holder for Credit Line utilization over the previous Settlement Cycle provided the Holder repaid all outstanding on the Card Account, including cash withdrawals in the ATMs and settlements in trade and service network within the Grace Period.

Internet

A worldwide system of joint computer networks built using IP protocol and routing of data packages. Internet creates global information environment, serves as a physical basis for access to the websites and many other systems (protocols) of data transmission.

Legislation Set of all regulatory acts effective in Ukraine

Legislation on Financial Monitoring

Set of all regulatory acts concerning counteraction to legalization (laundering) of proceeds from crime, financing of terrorism and proliferation of mass destruction weapons.

Legitimate Representative

A private individual who is obliged or has the right to conclude a deal on behalf of Juvenile or Underage Individual or a private individual who has been acknowledged by a court to be legally incapable or whose civil capacity is limited, according to the Legislation and in compliance with article 242 of the Civil Code of Ukraine.

Login

Identification code of the Customer that is automatically generated by the RSS IB and sent to the e-mail address of the Customer indicated by him/her when registering on the RSS IB website and is used together with the Logon Password (the First Logon Password – if the RSS IB is entered for the first time or in case of repeated generation of the First Logon Password) for the Customer’s Authorization during his/her entry to the RSS IB.

7

Logon Password Secret information which complies with requirements hereof, it is set by the Customer independently and is known solely to the Customer, and it is used together with Login for Customer Authorization when accessing the RSS IB.

Main Account

Current (card) account of the Customer, the opening of which is a prerequisite of the i-Bank System utilization. The Bank shall charge commission for Customer’s transaction in the i-Bank System from the main account. If the expense transaction was performed from the current (card) account, commission shall be debited from the respective current (card) account.

Mandatory Monthly Payment Payment equal to 5% of the amount of the Credit Line actually used during the Settlement Cycle and interest accrued thereon.

Minimum Balance in the Debit Card Account (Minimum Balance)

Minimal amount that should be available in the Debit Card Account at all times. Minimum Balance is a guarantee of fulfillment of obligations to the Bank assumed by the Debit Card Owner. The Card Account Owner may receive Minimum Balance in the event of the Agreement expiration, its pre-term cancellation or the Banking Service expiry or cancellation. The amount of Minimum Balance in the Debit Card Account is established pursuant to the decision of the Tariff Committee of the Bank.

Minor Private individual under 14 years old, whose legal capability is defined in Article 31 of the Civil Code of Ukraine.

“Mobile Savings” Service

This is an option previewed in the Tariffs to make a transfer from the Debit Card Account to the Savings Account to keep the Holder’s funds, increased interest being paid (hereinafter – Savings Account). Funds allocated in the Savings Account are to be paid by means of their transfer from the Savings Account to the Debit Card Account. Savings Account is opened simultaneously with the Debit Card Account without a necessity for the Holder to submit additional documents.

NBU National Bank of Ukraine

Non-Resident Private Individuals Foreigners, persons without citizenship, citizens of Ukraine having a permanent residency outside Ukraine, including those who temporarily stay on the territory of Ukraine.

Official Website of the Bank www.credit-agricole.ua

One-time password

Password for confirming banking transactions is secret information generated by the RSS IB based on parameters of the banking transaction and is sent by the Bank to the Customer via SMS message to Secure Phone Number. One-time Password is known solely to the Customer and he/she uses it to confirm banking transactions which require entering such password in cases provided for hereby.

Operational Day

Means a part of a Business day during which the Bank accepts wire transfer documents and documents for recall from customers and may process, transmit and execute them, where technically feasible. Duration of an Operational day is determined by the Bank independently and is stipulated in the internal regulatory documents thereof.

Operational Hours

Mean a part of an Operational day of the Bank during which the Bank accepts settlement documents from customers that should be processed, transferred and executed by the Bank within the same Business Day. Duration of Operational Hours is determined by the Bank independently and is stipulated in the internal regulatory documents thereof. The Customer has to learn information about the duration of Operational Hours at the premises of the Bank independently.

Package Offer A comprehensive set of financial services (including mandatory opening of the Debit Card Account and the Debit Card issue) allowing the Customer to independently select certain services from a range offered by the Bank, which number and types are provided by the terms of the chosen Offer.

Parties/Party The Customer and/or the Bank.

Password

A unique combination of symbols used by the Customers in the process of Authentication.

Payment Application

Special software designed for working on smartphones, tablets and other mobile devices, which allows the Customer to initiate and the Bank to perform banking transactions, specified by the Rules. The Bank can individually change the list of banking transactions, which can be performed via the Payment Application.

Payment Period Period during which the Card Holder must repay the Credit Line indebtedness pursuant to the Agreement terms but not less than the Priority Payment and the Mandatory Payment amounts.

Payment Short Name

A word or word combination defined by the Customer as a single name for a set of details of one Beneficiary of payment. For example: “Kindergarten”, “Electricity”, “Gas”, “Water”, “Electricity supply”, “Mother”, etc.

Payment Terminal (POS-Terminal)

Electronic device for making payment transactions, receipt of referential information and printing of the documents in the course of transactions using the Card.

PEPs (Politically exposed persons)

Private individuals who accrording to the financial monitoring law are national, foreign public figures and figures performing public functions in international organizations.

Personal Identification Number (PIN-Code)

Sequence of numbers or letters and numbers known only to the Card Holder and necessary for his identification and authorization in the process of transaction performance using the Card.

Priority Payment

Payment consisting of the following parts (in the order of repayment priority): 100% of the amount of interest accrued on the past due indebtedness amount as of the day of the payment (if any), 100% of the past due indebtedness amount (if any), 100% of the unauthorized overdraft amount (if any), the amount of Mandatory Monthly Payment.

Private Entrepreneur

A private individual who takes part in scientific, literary, artistic, educational or professor’s activity, activity of doctors, private notaries, lawyers, court appointed manager (administrator of an estate, external administrator, liquidator), auditors, accountants, appraisers, engineers or architects, those performing religious (missionary) activities, other similar activities.

8

Resident Private Individuals Citizens of Ukraine, foreigners, persons without citizenship, having a permanent residency on the territory of Ukraine, including those who temporarily stay abroad.

RSS IB Site Site “https://online.credit-agricole.ua/” in the Internet through which the RSS IB is available

Safe Deposit Box Individual safe deposit box for the Customer to store valuables in the Bank.

Secure phone number Customer’s cell phone number specified by the Customer when registering on the RSS IB website, which is used by the Bank to send the Customer the First Logon password and/or the One-time password in SMS messages.

Self-service Terminal A software and hardware complex enabling the Customer to perform transactions of cash depositing for crediting of current, deposit or credit accounts without direct involvement of a cashier.

Settlement Cycle

Period of time over which the Bank accrues interest, commissions and other payments in line with the effective Tariffs of the Bank.

Settlement Day

Certain day of each month determined by the product requirements. The day when the Bank pays interest on the balance of funds and/or debits interest accrued each day over the Settlement Cycle from the Card Account, performs others settlements with the Card Account Owner in line with the terms of the Agreement and the Tariffs of the Bank. For Card Accounts working under the Debit Scheme, 25th day of each month is considered as Settlement day.

Short Access Code Secret information compliant with these Rules, which is set by the Customer independently, known only to the Customer and used for the Customer’s Authorization when accessing the Payment Application.

Slip Paper document confirming performance of a transaction using the Card and containing a set of data on such transaction and details of the Card.

Statement Monthly report on funds flow in account/accounts provided to the Customer/Card Account Owner by the Bank.

Stop-List

The list of Cards, compiled based on their specific details, for which performance of transactions is either limited or prohibited. Depending on Visa and/or MasterCard rules, Stop-List may be either electronic and/or paper one. The list of regions where the paper stop-lists are spread, established by the international payment systems: for Visa cards: 1. The USA; 2. Asia and Pacific Region; 3. Countries of the Central and Eastern Europe, the Middle East and Africa; 4. Canada; 5. Countries of the European Union; 6. Countries of the Central, Southern America and the Caribbean. for MasterCard: 1. The USA; 2. Canada; 3. Countries of the Central, Southern America and the Caribbean; 4. Countries of Asia and Pacific region; 5. Countries of Europe; 6. Countries of Africa, the Middle and Central East.

Tariff Package

Refers to the Bank fees remuneration system offered by the Bank and is chosen independently by the Customer (including the Private Entrepreneur) depending on the Customer needs and specified in the Application for the Banking Service in line with the Tariffs/in the Tariffs. Tariff Package may be changed by the Customer by submitting relevant Application for the Banking Service.

Tariffs Amount of payment for Banking services rendered by the Bank to the Customer under the Agreement. Tariffs may be amended by the Bank following the procedure stipulated in the Rules.

Trustee A private individual who is legitimately authorized by the Customer: to make transactions using Additional Card issued to the Card Account.

Unauthorized Overdraft

The Holder’s indebtedness to the Bank, which amount was not stipulated in the Agreement and is not predictable from the point of view of its amount and time of occurrence. It is defined as actual negative balance of funds in the Card Account.

Underage Private individual aged from 14 to 18 years old, which legal capability is defined in Article 32 of the Civil Code of Ukraine.

Verification Measures taken by the Bank as the subject of initial financial monitoring in order to check (confirm)if identification data received by the Bank belongs to the respective person and/or in order to confirm data allowing for identification of unltimate beneficiary owners or their absence.

Other terms used in the Rules and definitions of which are not given herein shall have meanings and content in line with the Agreement and the Legislation.

ІІІ. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

This Chapter contains general provision determining rights, obligations and responsibilities of the Parties. More detailed provisions are provided in the chapters regulating procedures and conditions of providing specific Banking services. 3.1. RIGHTS OF THE CUSTOMER 3.1.1. To cancel the Agreement before the maturity by giving a prior notice in writing to the relevant Banking entity and/or decline the Banking Service by submitting relevant Application on cancellation of banking service, the delivery of which the Customer is planning to cancel, not later than 14 calendar days before such cancellation. However, prior to the Agreement cancellation or before the cancellation of the Banking service, the Customer is obliged to repay Debt liabilities under the Agreement or indebtedness to the Bank that may have occurred during rendering of the Banking Service the Customer is cancelling. 3.1.2. The Customer has the right to be rendered the Banking Service exclusively following the procedures and on terms stipulated in the Agreement. 3.1.3. Unless otherwise stipulated in the Agreement, the Customer has the right at any time after submission of a written notification that should be received by the Bank from the Customer at least 5 Banking Days before the date of Debt liabilities fulfillment planned by the Customer, to perform

9

this early fulfillment on condition that all due fees subject to payment to the Bank in connection with this early fulfillment, shall be paid by the Customer simultaneously (on the date of this fulfillment). 3.1.4. Other rights as provided for in the Legislation, including the NBU regulatory and legal acts.

3.2. OBLIGATIONS OF THE CUSTOMER 3.2.1. Straightforwardly abide by all the provisions of the Agreement, the Rules, the Tariffs and Legislation. 2.2.2. To pay for the delivered Services in accordance with the Tariffs effective as of the moment of transactions. 3.2.3. During the Agreement validity, to monitor independently the information on Changes, familiarize himself/herself with the information of the Bank (in the customer service areas, on the Official Website of the Bank or over the Contact Center phone number) regarding Changes in the terms of the Agreement, the Rules, and the Tariffs. If the Customer failed to use the opportunity to learn possible Changes in the terms of Banking services, provided to him/her by the Bank, and/or ignored the terms hereof, the Bank shall not be held liable for repercussions of such actions/failure to act by the Customer. 3.2.4. To compensate to the Bank in full any damages and losses inflicted as a result of his/her illegal or incompetent actions and/or violations of the terms of the Agreement and/or the Rules. 3.2.5. Meet any and all requirements under the Legislation and regulatory and legal acts of the NBU; abide by principles of cash and cashless settlements, their forms, documents and document flow standards, used by the Bank in the course of fulfillment of the Agreement. 3.2.6. Immediately upon request of the Bank, to provide any and all information concerning the Banking Service relevant to the Agreement and other information that may be required by the Bank in compliance with the current Legislation and the Rules. 3.2.7. To provide the Bank at its request with all documents relevant to the Agreement that may be needed to properly create and maintain validity of the Agreement and/or duly testify the information the Customer is obliged to submit to the Bank pursuant to the terms of the Agreement and the Rules. 3.2.8. To provide the Bank at its request with information (official documents) necessary for the following: (i) the Bank to duly fulfill its powers in the area of foreign currency supervision; (ii) the Bank to perform due diligence, as well as to perform other requirements of the law in the area of financial monitoring; (iii) the Bank to comply with standards and requirements of the Credit Agricole Group and internal documents of the Bank in the field of financial monitoring with due regard to provisions of clause 3.7 hereof. 3.2.9. To use the Banking Service only for its intended purpose indicated in the terms of such Banking Service rendering. 3.2.10. Prior to concluding of the Agreement to notify the Bank of all known to him/her rights/claims of the third parties on the Customer’s property including those not registered as set forth by the Legislation. All rights/claims of the third parties the Bank being notified of in such a way shall be reflected in the Agreement. 3.2.11. During the Agreement validity, the Customer is obliged without the preliminary written consent (with the signature of the authorized person and stamp of the Bank) to the Bank not to raise and permit the existence of any encumbrance relevant to the Customer’s property he/she owns (including ownership rights), except for those that existed at the moment of this Agreement concluding and communicated to the Bank by the Customer in writing. 3.2.12. To immediately (within the term established by the Rules depending on the Banking Service) as soon as the Customer gets to know the appearance/occurrence of any information/event/fact that may affect Customer’s fulfillment of debt obligations and/or may entail occurrence of non-compliance with the terms of the Agreement or the Rules, inform the Bank in writing on this information/event/fact. The Customer shall inform the Bank in writing on all and any changes in documentation/information communicated to the Bank according to the terms of the Agreement or the Rules, including the Customer’s details indicated in the Agreement. 3.2.13. Not to disclose/transmit by any means the information obtained from the Bank, including the Agreement content, to the third parties except for cases when disclosure/transmission of such information is obligatory for the Customer in compliance with the current Legislation or when the Customer received a preliminary written consent (with the signature of the authorized person and stamp) of the Bank to do so. 3.2.14. To provide the Bank with information on the status of his/her liability to the third parties that are the Customer’s creditors under bank loans/borrowings/financial aid/guarantees/surety/bonds: (і) every month not later than the fifth day of the month following the reporting one in the form of the written certificate (with the signature of the authorized person and the stamp) of the Customer on the status of such liability as of the last day of the reporting month; (іі) every quarter not later than the fifth day of the month following the reporting quarter in the form of the written certificate(s) from the third party(s) on the status of such liability as of the last day of the reporting quarter. 3.2.15. To inform the Bank on the fact of acquiring the status of insider/affiliated person within 5 business days from the moment of this status acquiring. By concluding the Agreement, the Customer confirms that he/she is familiarized with Article 52 of the Law of Ukraine “On banks and banking activity”. 3.2.16. The Customer shall (and the Bank has the right to demand this obligation fulfillment) pay/compensate to the Bank in full all and any Bank’s confirmed losses (irrespective of their amount) the Bank shall bear during and/or in view of realization of its rights as a creditor according to the Agreement, including but not limited to: right to defense, right of satisfaction of the Bank’s demands at the expense of any Customer’s property. The aforesaid is relevant to all without limitation ways of the Bank’s protection of its rights and legal interests not prohibited by the Legislation, including but not limited to the following processes: recovery of debt from the Customer at court with resolution enforcement, cases of engaging by the Bank or other entities of appraisers, notaries, state enforcement officers, etc., third parties who will somehow help/render services aimed at satisfaction of the Bank’s demands/realization of the Bank’s rights (collection companies, real estate agencies, etc.). 3.2.17. In case of change of the Customer’s Representative or the Power of Attorney cancellation, the Customer shall inform the Bank not later than 2 Business Days from the date of new Power of Attorney certification or cancellation by sending a written notification and/or visiting the Bank for making actions related to the Power of Attorney cancellation. In case of untimely notification of the Bank of the Representative change, the Bank shall not be liable for the deliberate (fraud) actions of the Representative resulting in inflicting damage to the Customer. 3.2.18. Other obligations provided for by the Legislation including the NBU regulatory and legal acts. 3.3. RIGHTS OF THE BANK 3.3.1. With regard to the changes of the banking services environment and inflation processes taking place in Ukraine, amendments to the Legislation, the requirements of the Credit Agricole Group, etc., the Bank shall have the right in line with Article 651 of the Civil Code of Ukraine to unilaterally change the terms of the Agreement, the Tariffs, the Rules, the interest rate at which interest is accrued on balances of the Customer’s account, having notified the Customer of such changes no later than 15 calendar days prior to their coming in force, and the Card Account Owners

10

– not later than 30 calendar days prior to their coming in force. Notification of the Changes shall be made using the method specified by the Customer in the Questionnaire, and/or by placement of announcements in the national mass media and/or on the Official Website of the Bank and/or in the Account Statement and/or at the information stands in the entities of the Bank and/or in some other way chosen by the Bank. If the Customer disagrees with such Changes, he/she shall have the right to cancel the Agreement before the maturity without paying additional commission for early cancellation, having repaid all indebtedness hereunder before the Agreement cancellation. Otherwise such changes shall be deemed accepted by the Customer, unless before the date they will be applied the Customer informs the Bank about the Agreement cancellation. 3.3.2. To change the duration of the Operational Day (Operational Hours) informing the Customer by placing the corresponding information at the announcement board at the location of the Bank’s entity 30 calendar days prior to this change coming into effect. 3.3.3. The Bank shall exercise the right of Direct Debit of funds from any account opened with the Bank to the Customer’s name in national currency of Ukraine or in foreign currency, the number of which is specified in the Agreement (the Banking Service Application) or in the corresponding agreement between the Customer and his/her counterparties (including the Bank). 3.3.3.1. The Direct Debit is performed by the Bank by virtue of the payment order of the Recipient (if the lender under the agreement is any third party except the Bank) or a memo slip drawn up by the Bank (if the latter is the lender under the agreement). If a payment request drawn up by the Recipient was refused in cases set forth in the Legislation, the Bank, on the day of such request, should state the reason for refusal to execute the document on the back of such document (with a mandatory reference to the article of the Legislation of Ukraine, pursuant to which such payment request may not be executed and/or chapter/clause of the regulatory and legal document of the NBU which is violated), state the return date (should be certified by the signatures of the responsible officer and an employee entrusted with controlling functions and an imprint of the Bank’s seal) and no later than the next business day such payment request should be sent to the body of the State Treasury Service of Ukraine or back to the bank it came from. If payment request is refused due to an incorrectly stated name of the payer’s bank, then the Bank should state the right name on the back of the payment request. If payment request is delivered to the Bank by a collector in person (by a courier, registered or certified mail, etc.), then the Bank should return such request by registered or certified mail. 3.3.3.2. Pursuant to Article 26 of the Law of Ukraine “On Payment Systems and Money Transfers in Ukraine”, the Customer authorizes the Bank to make independent Direct Debit of the relevant amount of funds from his/her accounts opened with the Bank as follows:

– as a payment for transactions performed and services rendered under the Agreement in amounts specified in the Tariffs of the Bank as soon as any debt obligations (both PD payments and payments that have not matured yet) of the Customer to the Bank under any agreements concluded between them become due, including (but not limited to) under the Agreement, loan agreements, collateral agreements, insurance agreements (debiting of insurance compensation by the Bank received by the Customer under insurance agreements where the Bank is a Beneficiary), etc., as well as in the event of erroneous entry of funds to the account of the Customer and !or with the purpose of correcting technical errors when transferring funds, and vests the Bank with the right, by means of the Direct Debit from the account, to receive the amount necessary for complete fulfillment of obligations under the Agreement and the aforesaid agreements and for redemption of funds entered by mistake and/or correcting technical errors. The right to make the Direct Debit is deemed transferred to the Bank on the day following the day when the obligations under the Agreement or the agreement concluded by the Customer with the Bank and/or counterparty should have been fulfilled by the Customer in line with the terms and conditions thereof. If the cash funds in the account are denominated in the currency different from the currency of a financial obligation under the agreement, obligation under which is outstanding, received funds are converted into the currency of the financial obligation of the Customer using the official NBU exchange rate as of the date of such conversion. For the purposes hereof conversion of hryvnia to any foreign currency and conversion of any foreign currency into hryvnia will be performed using the official hryvnia exchange rate against the relevant foreign currency established by the NBU on the day of such conversion; conversion of one foreign currency into another one will be performed using hryvnia cross-rate determined on the basis of the official NBU exchange rate. – when the amount of transfer is entered to the account of the Customer and the bank rendering services to the person, from whose account such transfer was sent, sends a notice about erroneous or unauthorized transfer (hereinafter the bank’s Notice), the Customer will provide the Bank with an instruction (right) to make direct debit of a relevant amount (stated in the bank’s Notice) from any account of the Customer and its transfer to the account stated in the bank’s Notice. Such instruction should be executed by the Bank no sooner than the date when such bank’s Notice is received. With that, the Bank may independently and at its own discretion make a decision to follow this instruction for the Direct Debit. – in case the amount of transfer is entered to the Customer account from the account opened by the Bank to another customer (hereinafter the Incorrect Payer) and such Incorrect Payer sends a confirmation in writing stating that he/she did not initiate such transfer (hereinafter the Customer’s Confirmation), the Customer will provide the Bank with an instruction (right) to make direct debit of a relevant amount (stated in the Customer’s Confirmation) from any account of the Customer and transfer it to the account of the Incorrect Payer. Such instruction should be executed by the Bank no sooner than the date when such Customer’s Confirmation is received. With that, the Bank may independently and at its own discretion make a decision to follow this instruction for the Direct Debit. – in cases of applying to the Bank by the State Fiscal Service Bodies (the Ministry of Revenue and Duties) of penalties for the Customer’s non-payment of individual income tax – in the amount of these penalties as the Customer’s compensation of losses inflicted to the Bank. With that, the Bank may independently and at its own discretion make a decision to follow this instruction for the Direct Debit.

3.3.4. To demand documents and data on the Customer necessary for concluding of the Agreement, verification of his/her identity, due diligence. 3.3.5. To cancel the Agreement before the maturity or terminate the Agreement with regard to the Banking Service rendering in the event of improper fulfillment of obligations by the Customer under the Agreement and taking into account the peculiarities of the Banking Services rendering under the procedure specified in the Rules. Having received the notification of the Bank’s intention to cancel the Agreement or terminate the Agreement with regard to the Banking Service rendering, before the moment of the Agreement cancellation or termination of the Banking Service rendering, the Customer shall repay any indebtedness to the Bank, that may have occurred during the life of Agreement or as agreed with the Bank concerning the Banking Service the rendering of which to the Customer is being cancelled. 3.3.6. The Bank shall refuse to approve (not accept) the performance of Banking Service Application, as well as to refuse any Banking Service to the Customer. Such refusal/not accepting/not rendering may, among other things, be associated with any of the following circumstances (hereinafter referred to as the Negative Circumstance):

1) Change in the situation on the interbank currency market of Ukraine and/or economic situation in the credit and finance system in Ukraine, and/or state of monetary resources market in Ukraine and/or approval of regulatory acts by the authorized bodies of Ukraine that may

11

negatively affect the Bank’s activity in the sphere of Banking Services rendering, absence of available financial resources necessary for rendering of the Banking Service, and/or 2) False documents provided to confirm the financial standing of the Customer and/or other information (documentation) provided by the Customer; and/or 3) Significant, in Bank’s opinion, deterioration of financial standing of the Customer compared to that as of the date of the Agreement, and/or 4) The Event of Default under the Agreement and/or any of the transactions/agreements of the Bank with the Customer and/or with any other affiliated entities relevant to the Customer, and/or any agreement/transaction of the Customer with other credit and finance institutions that are valid as of the date of the Agreement and/or will be concluded by the parties during the Agreement validity, and/or 5) Any change(s) in representations and warranties of the Customer provided pursuant to the Agreement; and/or 6) Death of the Customer; and/or 7) Submitting a request for early deposit redemption by the Customer, the property rights to which represent collateral under any collateral agreement concluded with the Bank; and/or 8) The Bank’s adopting a resolution on suspension (refusal) of provision of the Banking Service or performance of a certain activity; and/or 9) Any other circumstances indicating that the Debt obligations will not be fulfilled in time.

3.3.7. The Bank shall demand the early fulfillment of the Debt obligations in proportion specified by the Bank in case of any Negative Circumstance occurrence. The Customer shall fulfill such Debt Obligations during seven days from receiving of the Demand to the Customer. 3.3.8. The Bank shall be entitled to receive compensation from the Customer for the inflicted damage, unless the Customer prior to the Agreement concluding has properly notified the Bank of all known to him/her rights and claims of other entities on the Customer’s property, including those not registered as set forth by the current legislation. 3.3.9. If the Event of Default persists for over 180 days, the Bank, only at its sole discretion and for the purpose of cutting its own losses and costs resulting from breach of liabilities under the Agreement by the Customer, shall be entitled to suspend accrual of payment for the Banking Service in its own accounts, which in no way affects the Customer’s performance of the Debt Obligations following the procedure and on conditions stipulated by the terms of the Agreement. 3.3.10. The Bank shall be entitled to concede the rights/change the lender under the Agreement without the necessity to obtain the Customer’s consent. 3.3.11. The Bank shall be entitled to withhold any thing (monetary funds, securities) that is legitimately owned by the Bank and is subject to be transmitted to the Customer or entity specified by the Customer as security of Bank’s demand concerning the fulfillment of the Debt Obligations. Such lien may, in particular, be expressed in the Bank’s failure to fulfill any claims of the Customer on the thing transmission, including Bank’s obligations to the Customer under other agreements concluded between the Parties. The Bank has the right to withhold a thing also in case the rights on it, that arose after the thing was vested to the Bank, were attained by the third party. The Bank informs the Customer on the lien within a three-day term since the date of the relevant decision. The Bank is not entitled to use a thing being withheld by the Bank and the ownership rights on it are not transmitted to the Bank. Such lien arises with the Bank from the moment of default/improper fulfillment by the Customer of Debt Obligations under the Agreement. 3.3.12. In case of untimely fulfillment of the Debt Obligations on repayment (recovery) of the Loan or interest repayment by the Customer, the Bank shall issue an Order on compulsive repayment of the Debt Obligations. Such Order shall be signed by the CEO of the Bank or his/her authorized person and subject to immediate (during the day of issuance) performance by the Bank by debiting the funds from the Customer’s account at the Bank to secure the fulfillment of the Debt Obligations. 3.3.13. The Bank shall be entitled to refuse applying, accrual and, correspondingly, payment by the Customer of the forfeit penalty stipulated in the Agreement. Such refusal shall be expressed in writing (with the signature of the authorized person and stamp of the Bank). 3.3.14. To disclose the Customer’s information constituting the banking secrecy and process the Customer’s personal data including transmission of the Customer’s information that constitutes the banking secrecy and the Customer’s data to the third parties (including foreign entities) within the bounds and following the procedure established by the current Legislation and the Rules. 3.3.15. To make, without an advance notice to Customer, photographic and video surveying when using payment tools at the outlets of the Bank, and also fixing any contacts with the Customer, including (but not limited to) any phone negotiations with the Customer (e.g. negotiations of Bank’s employees, including Contact Center operators and the Customer) on magnetic and/or electronic media, to save and use such photographs, audio- and video materials as evidence. 3.3.16. The Bank shall be entitled to block inactive account if no transactions were performed on it during 1 calendar year from the date of the Agreement conclusion or after the last transaction on the account (except for transactions specified in the Rules) and if there is a positive balance of funds on the account. However, the Debt Obligations of the Customer before the Bank as well as the rights of the Bank to these Debt Obligations under the Agreement, including to change the fee for maintenance of the Inactive account in amount specified by the Tariffs, remain in force till full performance of the Debt Obligations under the Agreement by the Customer. Interest shall not be accrued on the balance of funds in the blocked Inactive account. The blocked Inactive account shall be closed by the Bank in case of no fund balance on it. The Bank has the right to charge the fee for maintenance of Inactive account in amount specified by the Tariffs of the Bank. 3.3.17. To demand from Customer (the Customer’s representative) information (official documents) required for due diligence, as well as for the Bank’s compliance with other requirements of the law in the area of financial monitoring; proper performance of its obligations as follows: (i) in the area of currency supervision, (ii) for duly performance of the Bank’s functions as a reporting entity, (iii) for the Bank’s compliance with standards and requirements of the Credit Agricole Group and internal documents of the Bank concerning financial monitoring and provisions of clause 3.7 hereof. 3.3.18. To provide, on request of the money transfer intermediaries or subjects of initial financial monitoring that provide services on funds transfer, information in the scope and under procedure specified in the legislation on financial monitoring. 3.3.19. To change the account of the Customer (by changing all or some bank details of the Customer – name of the Bank, bank code, account number, account currency) in the events determined by the law subject to prior notification of the Customer thereof. In such event entering into any additional deeds by the Parties and/or provision of any additional documents is not required. 3.3.20. To early terminate the Agreement in a manner specified in section XI of the Agreement. 3.3.21. Other obligations provided for by the Agreement, the Rules and the Legislation. 3.4. OBLIGATIONS OF THE BANK 3.4.1. To notify the Customer of the Changes within the time span and following the procedure outlined by the Rules.

12

3.4.2. To ensure preservation of information on the Customer constituting the banking secrecy, except for cases stipulated in the Agreement/Rules and when such information disclosure is required by the statutes of the Legislation. 3.4.3. Banking Service Rendering. The Bank shall render the Banking Service to the Customer in compliance with the terms of the Agreement providing that the Banking Service Application is approved (accepted) for performance. 3.4.4. Acceptance of Due Performance. The Bank shall accept the due performance of the Debt Obligations by the Customer. 3.4.5. Notification on the Assignment of Rights. The Bank shall notify the Customer in writing within 5 days of the cession of rights under the Agreement. 3.4.6. To advise the Customer on the Bank’s services utilization, the Tariffs, etc. 3.4.7. To consider appeals (messages) of the Customer and respond in writing on the consideration results within the deadlines and following the procedure as defined by the Law of Ukraine “On appeals of the Citizens” and the Bank’s internal procedures. 3.4.8. Other obligations provided for by the Legislation including the NBU’s regulatory and legal acts. 3.5. RESPONSIBILITY OF THE CUSTOMER 3.5.1. The Customer shall be liable for the fulfillment of the terms of the Agreement, the Rules and the Tariffs in compliance with the requirements of the current Legislation and terms of the Agreement and the Rules. 3.5.2. The Customer shall be held responsible for submitting of false information during concluding of the Agreement in compliance with the current Legislation. 3.6. RESPONSIBILITY OF THE BANK 3.6.1. The Bank shall be liable for the fulfillment of the terms of the Agreement, Rules, and Tariffs in compliance with the requirements of the current Legislation and terms of the Agreement and Rules. 3.6.2. The Bank shall be exempt from responsibility in case of Legislation change which terminates legal relationship of the Parties under the Agreement. 3.6.3. The Bank shall not liable to the Customer, the Customer’s Representatives, Trustees, counterparties for any deductions, sanctions, restrictions and other negative circumstances concerning accounts, monetary funds and transactions on accounts, if these circumstances are related to performance of FATCA requirements from the side of the US Internal Revenue Service, banks-correspondents and other entities participating in wired transfers, and also for any related losses, costs, moral damage and/or short-received income. 3.6.4. The Bank shall be liable according to the Legislation for illegal disclosure or use of the banking secrecy. 3.7. PREVENTION AND COUNTERACTION TO LEGALIZATION (LAUNDERING) OF PROCEEDS FROM CRIME, FINANCING OF

TERRORISM AND PROLIFERATION OF MASS DESTRUCTION WEAPONS 3.7.1. Having concluded the Agreement, the Customer shall attest authenticity, credibility and accuracy of information/data provided by him/her and which is indicated in applications, questionnaires and other documents signed by the Customer and/or submitted to the Bank for the purpose of the Agreement conclusion. 3.7.2. In case of change/exchange of documents (including due to expiry (termination) submitted to the Bank, their becoming invalid, being held invalid or receipt of other documents,including adding a photo to the Ukrainian citizen passport after becoming 25 and 45 years old, the Customer shall be obliged to provide the Bank with valid documents within five (5) Business Days from the event occurrence. 3.7.3. The Customer shall be obliged to inform the Bank about significant changes in activity (other information the the Customer has provided to the Bank) within five (5) Business Days from the date of such changes. 3.7.4. The Customer shall be obliged to notify the Bank about his/her acquiring the status of “politically exposed person” or a person who is a family member of a politically exposed person or a person related or close to the politically exposed person, as well as to provide documents to confirm sources of funds within five (5) Business Days from the date of event occurrence (status aquisition) in cases provided for by the Legislation. 3.7.5. The Customer shall be obliged to provide the Bank upon its request (written or oral) with the following information and documents which the Bank is entitled to request from the Customer: documents and data necessary for due diligence of the Customer, including identification, verification, analysis and identification of financial operations subject to financial monitoring, documents necessary for elimination or confirmation of suspicions about the Customer’s performimg financial operations that have signs of being fraudulent, as well as other provisioned documents and data in accordance with the Law of Ukraine “On Prevention and Counteraction to Legalization (laundering) of Proceeds from Crime, Financing of Terrorism and Proliferation of Mass Destruction Weapons” within 5 Business Days from the date when the Customer received such request from the Bank. 3.7.6. The Bank as the subject of initial financial monitoring shall refuse to establish (continue) business relations eith the Customer/refuse to open an account (service) to the Customer, including by terminating business relations, close the accounts/refuse to perform financial transactions in the following cases:

1) It is impossible to identify and/or verify the Customer, as well as establish data, which allow to identify ultimate beneficiary owner, or the Bank has doubts about the person’s acting in his/her own name;

2) The Customer is assigned with unacceptable high level of risk or the Customer fails to provide documents or data required for the Customer’s due diligence;

3) The Customer or his/her representative provides unreliable information or provides information with the purpose of misleading the Bank; 4) It is impossible to identify the person on behalf or in the name of which the transaction is performed, and it is impossible to establish its

ultimate beneficiary owner or beneficiary under the financial transaction. 3.7.7. The Bank shall have the right to refuse to perform suspicious financial transaction. 3.7.8. The Customer understands and hereby agrees that the Bank is the subject of initial financial monitoring and upon requests of the respective subjects of state financial monitoring is obliged to store and provide documents (including electronic ones), their copies, records, data, information on measures taken for the purposes of the financial monitoring law, particularly on the Customers’ due diligence (including their identification and verification, establishment of their powers), as well as all documents regarding business relations (performance of financial transaction) with the Customer (including business correspondence, including internal correspondence, letters, reports, requests, results of any analyses during the Customer’s due diligence) in the scope sufficient for restoring of information about specific financial transactions (including if it is required to be submitted as evidence in criminal proceeding). 3.7.9. The Bank may take measures to update the Customer data by using remote services systems, electronic mail with the use of electronic signature (the ES)/advanced electronic signature, telephone communication, the Call center, and other remote communication channels within technical capacity of the Bank.

13

IV. PECULIARITIES OF CARD ACCOUNT SERVICE AND CARD USE

Pursuant to the Agreement and based on the Banking Service Application, accepted by the Bank, the Bank shall open the Card Account in the name of a person (Card Account Owner), service such account and issue the Card to the Account Owner and the PIN-code to it under the terms set forth in the Banking Service Application, the Agreement, the Tariffs.

The Card Account replenishment shall be performed in currency of the Card Account in cash or cashless form in line with the Legislation and terms of the Agreement with due regard to the provisions hereof. Funds shall be entered to the Card Account by the Bank no later than the next Business Day following the day, when funds are received by the Bank. Once a month, on the Settlement Day the Bank shall credit interest, accrued on the Card Account balance, on the Card Account previously accrued on a daily basis over the Settlement Cycle on balance of funds in the Card Account using “fact/360” method (calendar number of days in a month, 360 days in a year), perform other settlements with the Account Owner in line with the terms of the Agreement and the Tariffs of the Bank. Once a month, on the Settlement Day the Bank shall debit the interest for using the Credit Line from the Card Account accrued on a daily basis over the Settlement Cycle based on daily balance of funds on the Card Account using “fact/360” method (calendar number of days in a month, 360 days in a year), perform other settlements with the Account Owner in line with the terms of the Agreement and the Tariffs of the Bank. The Card Account Owner is aware of the fact that it is forbidden to use the Card Account opened on conditions of the Agreement/the Rules, the Tariffs for making operations related to carrying out business activity and independent professional activity.

The Parties acknowledge that Visa or MasterCard payment systems’ standards are confidential and may be provided for familiarization and use in work only to employees of the Bank and Visa or MasterCard representatives.

The Card is a property of the Bank, it is given to the Card Account Owner for a temporary use and shall be returned to the Bank after expiry or before the expiry in the event the Holder wants to refuse to use this Card or upon a request of the Bank in case of using the Card or an attempt to use in breach of the Agreement and the Rules.

The Bank shall provide the Holder with PIN-code to the Card in SMS to the mobile number specified in the Banking Service Application or generated through POS terminal located in the cash desk of the Bank’s outlet. 4.1. TERMS OF CARD ACCOUNT SERVICE AND CARD UTILIZATION 4.1.1. Main terms of card account service: 4.1.1.1. Card Account service shall be rendered within the Debit, the Debit and Credit and the Credit Schemes. The Card Account Owner shall have the right to use all the funds in the Card Account and the Credit Line (if any) except for the Minimum Balance (if any) in line with the Tariffs. 4.1.1.2. Any transaction with the use of the Card or its details for payment, order or booking of goods and services, receipt and deposit of cash, etc., shall be deemed as transaction in the Card Account. The Card Account Statements shall be formed and provided by the Bank to the Card Account Holder on a monthly basis after the Settlement Day using postal services, with the help of the i-Bank Remote Service System or directly in the outlet of the Bank using method, specified by the Card Account Owner in the respective Banking Service Application. 4.1.1.3. Service of receiving the Card Account Statements by mail means that information in the Statements shall be sent by ordinary letters via the postal operator and may become known to the third parties. With that, any and all responsibility for disclosure of information on the Card Account balance to the third parties that may occur as a result of the Bank’s sending such information via unprotected communication channels shall rest with the Card Account Owner, to which he/she hereby gives his/her unconditional and irrevocable consent. The Card Account Owner understands and agrees that the Bank shall be exempt from any responsibility (including, but not limited to, any compensation of financial and/or moral damages, compensations, repayments, etc.) should the information on the Card Account balance become known to the third parties as a result of the Bank’s sending of such information via unprotected communication channels, as well as for any consequences of such actions. 4.1.1.4. Ordering the service of receiving Card Account Statements with the help of the i-Bank Remote Service System or in some other way shall be identical to ordering such service by means of written completion of the Banking Service Application, to which the Account owner agrees and undertakes to pay a service fee in line with the effective Tariffs of the Bank. 4.1.1.5. The Statement shall contain information on flow and balance of funds in the Card Account, data concerning changes in the Tariffs, as well as other information. Failure to receive the Statement shall not exempt the Account Owner from fulfillment of obligations under the Agreement. Should the Card Account Owner disagree with information stated in the Statement, he/she shall submit a written application to the Bank specifying respective reasons and facts of such disagreement over 30 calendar days from the date of the Statement. Absence of complaints laid down in writing over the period of 30 calendar days from the date of the Statement formation by the Bank shall be deemed as the Card Account Owner’s confirmation of correctness of stated information. 4.1.1.6. The Bank shall review the Card Account Owner’s application in accordance with the Tariffs and in line with the requirements and rules of Visa and/or MasterCard. If after the review the Bank acknowledges the application unjustified, the Account owner authorizes the Bank to debit a commission fee for conducted investigation from the Card Account in line with the Tariffs. 4.1.1.7. In accordance with the rules of Visa and/or MasterCard, information on expense transactions and, accordingly, on the funds debiting from the Card Account may be received by the Bank over the period of 30 days from the moment of transaction depending on location/country of transaction or other technical factors. 4.1.1.8. If the Card Account Owner is a non-resident, he/she shall understand all the provisions of the effective Legislation in the part of the cash transfers by the non-residents in Ukraine. 4.1.1.9. It is necessary to avoid direct influence of heat sources, electromagnetic and magnetic emissions on the Card. The Card shall be issued to the Holder in an inactive state. The Card shall be activated at the moment of the first transaction made by the Holder with correct entry of a PIN-code in POS-terminal or the ATM of the Bank. 4.1.1.10. PIN-code entry at the moment of transaction is equal to the signature of the Card Holder. The Holder should not keep PIN-code together with the Card in places easily accessible by the third parties, as well as write it on the Card. 4.1.1.11. It is forbidden to disclose the Card number, PIN-code and CVV2/CVC2 code to the third parties, including family members. The Holder should not let third parties use the Card and the PIN-code. Only the person whose first and last names and signature are written on the Card has the right to use it. The Card may not be used under the Power of Attorney except for cases when the additional Card is issued for the Trustee. 4.1.1.12. Having received the Card, the Holder should put his/her signature in a specially provided space on its back using a ball pen. Absence or inconsistency of the signature on the Card with the signature of the Card bearer shall provide grounds for refusal to service the Card and extract such Card from circulation without any compensation. 4.1.1.13. Upon the Banking Service Application, the Card Account Owner (or Representative) may initiate issuing of additional Cards to the Card

14

Account both for the Card Account Owner and the Trustees provided such service is stipulated in the Tariffs. Issuing of an additional Card in the name of the Card Account Owner is also possible via the i-Bank Remote Service System (the RSS IB). 4.1.1.14. Additional Cards issued in the name of the Card Account Owner and PIN-codes thereto shall be received personally by the Card Account Owner or his/her Representative acting on the basis of the power of attorney issued by the Card Account Owner and certified according to the procedure established by the Law. If the Card issued in the name of the Card Account Owner is received by Representative under the power of attorney, the Bank shall not be liable for any transactions performed with the use of such Card. 4.1.1.15. Additional Cards issued in the name of the Trustees and PIN-codes to such additional Cards shall be received by the Trustee, in whose name such Card was issued, or Card Account Holder in person. If the Card is issued in the name of the Juvenile, such additional card shall be received by his/her Representative in Law. 4.1.1.16. If the Card/additional Card is issued in the name of the Minor or a private individual who has been acknowledged by a court to be legally incapable or whose civil capacity is limited, such Card/additional Card may be received by the Legitimate Representative of such person. 4.1.1.17. The Account Owner shall be responsible for all transactions with the Card/Cards and indebtedness in the Card Account over the validity period of the Agreement, as well as for 40 calendar days after the date of the Card Account closure and returning of all Cards related to the Card Account to the Bank. The Holder has been informed that limitations, set forth in the legal and regulatory acts, internal rules and procedures of the Bank, of the other banks and/or Visa or MasterCard systems, via which such transactions are performed, might be imposed on some transactions (for instance, depending on the type and amount of transaction). The Card shall be used for cashless payments for goods and services in trade and service network, including the Internet, as well as for receipt of cash in the ATMs and entities of the banks, bearing Visa or MasterCard logos, depending on the type of the Card. The fact that trade and service network enterprise accepts the Card for payment shall be confirmed by the presence of the respective logos on the websites, on the doors and windows of trade, service and other entities. 4.1.1.18. If there is a multicurrency Card Account and the amount of currency necessary for transaction exceeds the balance of funds in the multicurrency Card Account in the necessary currency available for debiting, while the balance in the other currency is available, the debit shall be performed as follows:

From the balance of funds in the currency of transactions;

From the balance of funds in the other currency;

From the amount of established Credit Line (if any).

4.1.2. Credit of funds to the Card Account: 4.1.2.1. The Bank shall credit funds to the Card Account in the event of its replenishment by the Holder or by any other persons if such replenishment is in compliance with the effective Legislation. The Card Account replenishment may be performed only in the Currency of the Card Account by means of entry of cash funds or cashless transfer from the other banking account both via the outlet of the Bank and other financial entities rendering such type of service as well as the i-Bank Remote Service System (the RSS IB) and the Payment Application. 4.1.2.2. Card Account replenishment in foreign currency cash may be performed by the Card Account Owners and/or persons authorized legally to manage the Card Account without opening a separate current (card) account. 4.1.2.3. In the event of the Card Account replenishment by a cashless transfer, funds shall be credited to the Card Account provided all details of such transfer have been filled out correctly. The Details for the Card Account replenishment may be received in the outlets of the Bank or via the RSS IB or the Payment Application. 4.1.2.4. If the Bank made an erroneous credit of funds to the Card Account, the Bank shall independently debit funds credited by mistake from the Card Account. Herewith, the Holder shall be held liable for repayment of an Unauthorized Overdraft and interest accrued for its usage, which may be the case if the Holder used funds credited by mistake. 4.1.3. Debit of funds from the Card Account: 4.1.3.1. Debit of funds from the Card Account shall be performed as a result of:

1) Cash withdrawal transaction and settlements in trade and service network made with the Card; 2) The Bank’s charging commission for transactions performed using the Card (commission for cash withdrawal, fee for currency conversion and other commissions stipulated in the Tariffs); 3) Charging interest for utilization of the Bank’s funds (the Unauthorized Overdraft, the Credit Line), possible penalties related thereto, as well as commissions for additional (supporting) services should they are ordered by the Holder. 4) Submission of the respective application by the Card Account Owner for regular/constant payments in line with the payment details stated in the application or giving of the respective instruction for regular payments performance in the RSS IB; 5) Charging commissions for transactions connected with the Card services (opening of additional Cards, prolongation of the Cards’ validity period, etc.); 6) Direct debit, enforced debit, charging of funds in line with the effective Legislation and/or the Agreement; 7) Debit of funds credited by mistake; 8) Submission of the respective application by the Card Account Owner for one-time payments in line with the payment details stated in the application.

4.1.3.2. The Card Account Owner shall authorize the Bank to debit from the Card Account the amounts of funds at the rate of transactions in the Card Account currency performed by the Holder or their Trustees according to the Tariffs. If the Currency of the card account differs from the currency of transaction or the currency in which the expenses of the Holder coming from Visa or MasterCard under the performed transactions are debited, the Card Account Owner shall authorize the Bank to make purchase/sale of currency in amount of funds to be debited from the Card Account using the special authorized purchase/sale rate (exchange rate for card transactions which is published at the Official Website of the Bank) established by the Bank on the day of the funds debiting from the Card Account. 4.1.3.3. The Card Account Owner shall authorize the Bank to perform, at its discretion, direct debit of funds from any account (including the Card Account) opened by the Bank in the name of the Card Account Owner on the respective dates of obligation fulfillment in order to repay past due debt occurring in accordance with the Agreement/Rules/Tariffs. 4.1.3.4. The Card Account Owner shall authorize the Bank to perform in its favor a direct debit of funds from the Card Account in the currency of the Card Account and in amount of outstanding debt to the Bank for services rendered in line with the Agreement/Rules/Tariffs and/or other agreements concluded between the Bank and the Card Account Owner, including direct debit of funds for the amount of the Card Account Owner’s obligations under the Agreement which has become due. 4.1.3.5. Direct debit of the Card Account Owner’s funds shall be performed within the period of payment of respective commissions, interest and

15

other payments to the Bank in line with the Agreement/Rules/Tariffs by means of the Bank’s execution of a memo slip, on the basis of which funds that were debited are transferred to the respective account of the Bank. 4.1.3.6. If funds in the Card Account, from which direct debit is performed, are in the currency different from that stipulated in the Agreement, conversion of the received funds to the currency of obligation of the Card Account Owner under the Agreement shall be performed according to the official rate of the NBU on the date of such transaction. For the purposes hereof, conversion of hryvnia into any other foreign currency and of any other foreign currency to hryvnia shall be performed according to the official rate of hryvnia against the respective foreign currency established by the NBU on the date of such transaction. Conversion of one foreign currency to the other shall be performed through hryvnia using cross rate determined on the basis of the official NBU exchange rate on the date of such transaction. 4.1.3.7. On the ground of the respective application for regular payments (including submitted via the RSS IB), the Card Account Owner shall authorize and the Bank shall perform direct debit of funds from the Card Account to the other accounts, stated by the Card Account Owner in such application. If at the moment of funds debiting the amount in the Card Account is insufficient, funds debiting transaction shall be performed through as many attempts as stated in the application and shall be suspended once successful debit attempt is made. 4.1.4. Unauthorized Overdraft in the Card Account: 4.1.4.1. On a monthly basis, the Bank shall accrue interest on the Unauthorized Overdraft at the rate specified in the Tariffs. Accrual shall be performed for the amount of the Unauthorized Overdraft starting from the date of its occurrence till the day of repayment using “fact/360” method (calendar number of days in a month, 360 days in a year). 4.1.4.2. If there is the Unauthorized Overdraft in the Card Account at the moment of funds crediting, at first interest on past due Overdraft is repaid, then the Unauthorized Overdraft itself, and after that the Card Account balance is replenished for the amount of entry left after the repayment. 4.1.5. Receipt of cash at cash disbursement points of the banking entities (cash desks of the banks): 4.1.5.1. When receiving cash in the cash desk of the Bank, the Holder shall have to give the Card and a passport (or any ID document) to the teller or identify him/herself by entering a PIN-code at a special keyboard connected to the POS-terminal. In such case, the Holder shall enter PIN-code independently and not disclose it to the teller. If the Bank fills out cash document using technical tools or automation systems of the Bank, the Card Holder shall verify whether such details are filled out correctly and attest it with his/her own signature. 4.1.6. Receipt of cash via the ATM: 4.1.6.1. When receiving cash via the ATM, the Holder shall have to enter a correct PIN-code. The Card Holder shall have only three attempts to enter a correct PIN-code, after the 3rd incorrect attempt of PIN-code entry the Card shall be blocked by the Bank. 4.1.6.2. To receive cash in amount in excess of the Authorization Limit on the Card, the Holder shall have to cancel such Authorization Limits by calling the Contact Center of the Bank or on his/her own via the RSS IB. 4.1.7. Settlements using the Card in trade and service network: 4.1.7.1. The Holder is warned that the Bank shall not be held liable for damages resulting from a PIN-code disclosure that occurred during payment for goods and services by the Holder. 4.1.7.2. When making settlements, do not let your Card out of your sight or tolerate a situation when unauthorized copying of the Card ’s details by the third parties becomes possible. The Card Holder shall verify the check or Slip, which he/she receives, then sign it and receive his/her copy. By signing a POS-terminal receipt or a Slip, the Holder agrees to the terms of transaction and confirms correctness of its amount to be debited from the Card Account. 4.1.7.3. The merchants shall be entitled to refuse to perform a payment transaction using the Card according to the procedures set forth in Visa or MasterCard rules, namely, in cases when the Card’s validity period has expired, when necessary fitness features are missing, etc. 4.1.7.4. When paying for goods and services with the Card, it is necessary to keep settlement documents (receipts, checks, Slips) confirming performed transactions until they are reflected in the Statement. The Holder should provide a passport document in trade and service network in case of necessity. 4.1.8. The Card’s validity period and its extension: 4.1.8.1. The Card’s validity period is stated on its front. The Card shall be valid till the last day of the stated month and year inclusively. The Card which validity period has expired shall be cancelled by the Bank according to the procedures in place. 4.1.8.2. The Card’s validity period shall be prolonged by issuing of the Card with the new validity period if it is stipulated in the Tariffs. 4.1.8.3. To prolong the Card’s validity, the Card Account Owner (or his/her representative) shall submit a respective written Application. The said application should be submitted not later than 15 calendar days prior to the termination of the Card’s validity. The Card Account Owner can order a new Card by calling the Contact Center of the Bank. If the procedure of establishing the compliance of the Card Account Owner’s information provided by phone with information from the Bank’s database, which confirms that the caller is the Card Account Owner, is successful and provided that no Card issue/reissue fee is to be charged, the new Card can be issued to the previously opened Card Account and sent to the Bank outlet chosen by the Card Account Owner. If such application has not been submitted and the Bank’s Contact Center has not been contacted, the Bank shall not be held liable for the Holder’s failure to receive (untimely receipt of) the new Card. The Card with prolonged validity shall be issued to the Card Account Owner (or his/her representative) provided he/she has returned to the Bank the Cards with expired validity, paid for this service in line with the Tariffs and also has not violated the other terms of the Agreement. If the Card issued in the name of the Card Account Owner is received by Representative under the power of attorney, the Bank shall not be liable for any transactions performed with the use of such Card. 4.1.8.4. Prolongation of validity period of the additional Cards issued in the name of the Card Account Owner’s Trustees shall be performed only on the basis of the respective written application of the Card Account Owner (or his/her representative). 4.1.8.5. It is forbidden to use the Card which has expired, as well as the Card which is invalid, blocked, bogus, etc. 4.1.8.6. The Holder shall return the Card to the Bank after its validity has expired, as well as when requested by the Bank. 4.1.8.7. The Bank shall notify the Holder on the Card expiry not later than 10 calendar days before the specified expiry. 4.2. PECULIARITIES OF “SALARY” CARD SERVICE 4.2.1. Within the framework of the salary project, two types of Cards may be issued for the employees of Enterprises: the Debit Card (with opening of the Debit Card Account) and the Credit Card (with opening of the Credit Card Account). Peculiarities of servicing the Credit Card Account and the Credit Card are provided in clause 4.8. hereof. 4.2.2. The salary (bonuses, compensations, other similar allowances) as well as other funds which legal entities of all form of ownership and private entrepreneurs transfer in favor of the Card Account Owner are credited to the Debit Card Account. It is allowed to credit the Debit Card Account with funds in cash or cashless form with no limitation as regards the amount except for funds from transactions related to entrepreneurial and independent professional activities.

16

4.2.3. The Card and the PIN-code may be received at the entity of the Bank where the Agreement was concluded or at any other entity of the Bank on the basis of a written application. The Bank shall issue the Card either to the Card Account Owner in person or to his/her Representative in law (one of parents (adoptive parent) of juvenile/underage child, caretaker of juvenile/private individual recognized as incapable by court, caretaker of a private individual whose capability is limited, etc.) or the representative of the Card Account Owner acting on the basis of the power of attorney issued by the Card Account Owner and certified according to the procedure established by the Law. If the Card issued in the name of the Card Account Owner is received by Representative under the power of attorney, the Bank shall not be liable for any transactions performed with the use of such Card. 4.2.4. If the Agreement on salary project realization between the Bank and the Enterprise, where the Card Account Owner is employed, stipulates an employee authorized to receive Statements in the entity of the Bank and then transfer them to the Enterprise employees, the Card Account Owner shall not object to such a transfer and shall provide his unconditional and irrevocable consent thereto. The Card Account Owner understands and agrees that the Bank shall be exempt from any liability (including, but not limited to, any compensation of financial and/or moral damages, indemnifications, payments, etc.) if the information on the Card Account balance shall become known to the third parties as a result of transfer of Statements to the Card Account Owner through an authorized employee of the Enterprise or for the consequences that might result from it. 4.2.5. If the Card Account Owner is dismissed from the Enterprise, he/she (provided that salary or other financial bonuses the Card Account Owner receives from the Enterprise for his/her work are entered in cashless form to the Debit Card Account opened hereunder) shall notify the Bank in writing of his/her intention to quit prior to the date of dismissal. With that, the Card Account Owner shall repay indebtedness under the Card Account till the Settlement Day of the month when he/she is being dismissed. In the event of an untimely indebtedness repayment the Card Account Owner shall pay interest for the Credit Line use at the level of the effective interest rate for the similar product paid by regular customers. 4.2.6. Being dismissed from the Enterprise, the Card Account Owner shall spend all funds received from the Enterprise (final settlement in the event of employment termination) for repayment of any outstanding indebtedness (if any) under the Credit Card Account and/or the Debit Card Account. 4.2.7. When the Card Account Holder is dismissed from the Enterprise (or if this Enterprise transfers its salary project to the other bank) and the Bank receives a respective notice from the Enterprise, the Bank shall start rendering services to the Card Account Owner within the framework of the general tariff plan within 14 working days from the Card Account Owner dismissal. 4.2.8. If the Card Account Owner leaves the Enterprise him/herself, the Bank shall redeem indebtedness to the Bank independently without prior validation of the card Account Owner. The right to direct debit in the event of termination of the Card Account Owner’s employment with the Enterprise shall be deemed transferred to the Bank as soon as the Bank receives information from the Enterprise about dismissal of the Card Account Owner and/or on the day of the Card Account Owner’s actual dismissal.

4.3. PECULIARITIES OF CARD SERVICE UNDER THE PRODUCT “PENSION/SOCIAL CARD” 4.3.1. The Cards under the product “Pension/social card” shall be issued for performing transactions under the Customer’s Card Account which is credited with pension and social allowances (financial aid) for certain categories of population. By signing the Agreement and familiarization with these Rules, the Card Account Owner shall waiver direct delivery of pension and financial aid to his/her home and agree to receive pension and social allowances (financial aid) directly with the help of the Card in line with the terms of the Agreement and these Rules. 4.3.2. Crediting of pension and other social allowances shall be performed on the ground of lists for accruing pension, financial aid and other social allowances received from the bodies which provide thereof, according to the procedure established by the Ukrainian law, terms of the Agreement and these Rules. 4.3.3. Opening of Card Account with issuance of Visa Classic Unembossed/MasterCard Standard Unembossed is free of charge. The Cards shall be issued for the period of no more than 1 year. 4.3.4. Filling in all data necessary for identification of the Holder of non-individualized Card is mandatory. 4.3.5. The Card Accounts under “pension/social” Cards are serviced free of charge. 4.3.6. Cash withdrawal from the ATMs and the Bank’s cash desks are not chargeable. 4.3.7. The Application for payment of pension or financial aid, which the Card Account Owner is entitled to submit to the Bank for further submission thereof to the respective body of the Pension Fund/Social Security Authority, shall be submitted personally by the Card Account Owner. 4.3.8. If pension/financial aid is received from the Card Account under the power of attorney or is not received during a period exceeding 1 year, the Bank shall inform it to the Pension Fund/Social Security Authority. 4.4. PECULIARITIES OF “DEPOSIT” CARD SERVICE 4.4.1. Deposit Cards shall be opened to resident private individuals, non-resident private individuals having any deposit accounts in various currencies (UAH, USD or EUR) with the Bank. 4.4.2. The Deposit Card shall be used for the depositors of the Bank to receive interest in line with the terms of the concluded Deposit Agreement and the amount of deposit once the deposit becomes due. 4.4.3. Multicurrency accounts may not be opened to the Deposit Cards. The Card Account currency should be similar to the currency of the deposit. 4.5. PECULIARITIES OF INSTANT CARD SERVICES 4.5.1. Instant card shall be formalized right after the Customer addresses the bank. The Card is to be used for the personal needs of the Card Account Owner. 4.5.2. Instant card shall be formalized on the basis of international Cards Visa Classic Unembossed/MasterCard Standard Unembossed. 4.5.3. Instant card is a non-individualized Card meaning that it does not bear the first and last name of its Holder. The Card is issued in UAH, USD or EUR. 4.5.4. Filling out all data necessary for the Instant Card Holder identification is obligatory. 4.5.5. The Card shall be replenished right after the Card Account opening. 4.5.6. The Cards shall be issued/reissued on condition that this service is provided for in Tariffs. 4.6. PECULIARITIES OF CARDS SERVICE AND PROVISION OF OTHER SERVICES UNDER PACKAGE OFFERS 4.6.1. The Package Offer is a comprehensive set of financial services (including mandatory opening of the Card Account and the payment card issue) allowing the Customer to independently select certain services from a range offered by the Bank, which number and types are provided by the terms of the chosen Offer.

17

4.6.2. It is allowed to credit the Card Account opened under the Package Offer with cash or cashless funds in an unlimited amount. It is prohibited to use the Card Account for making transactions related to entrepreneurial and independent professional activities. 4.6.2.1. The Bank shall service the Card Account opened under the Package Offer according to the Debit or the Debit and Credit scheme (at the Card Account Owner’s discretion and by the Bank’s decision). 4.6.2.2. Under the Debit scheme the Card Account Owner may perform payment transactions with the Card in the trade and service network, the Internet, and cash distribution points within the balance of own funds accounted in the Card Account. In such a case, the Cards shall be considered debit cards and the procedure for servicing the Card Account and performance of card transaction shall be regulated by clause 4.8. hereof. 4.6.2.3. Under the debit and credit scheme the Card Account Owner may perform payment transactions with the Card in the trade and service network, the Internet, and cash distribution points within the balance of own funds accounted in the Card Account, and should the balance is insufficient or absent – at the expense of the revolving Credit Line opened by the Bank. In such a case, the Cards shall be considered credit cards and the procedure for servicing the Card Account and card transactions shall be regulated by clause 4.8. hereof (except for the amount of the Mandatory Payment which is 10% of actually used amount of the Credit Line including interest accrued for the Credit Line use as at the Settlement Date of the reporting Settlement Cycle). 4.6.2.4. In case of servicing within the product according to the credit scheme, the Card Account shall be opened in UAH, and the Bank shall open to the Card Account Owner the Credit Line in the amount defined in the Application for Banking Services “Current (Card) Account Opening and Card Issue under the Package Offer”. 4.6.2.5. The Credit Line shall be valid during a term specified in the Application for Banking Services “Current (Card) Account Opening and Card Issue under the Package Offer” or until the Credit Line termination due to other reasons provided for by the Agreement, the Rules and/or the effective law of Ukraine. The term of the Credit Line can be shortened before maturity upon the initiative of the Bank due to the breach of the Agreement’s conditions by the Card Account Owner. 4.6.2.6. In order to ensure the fulfillment of obligations under the Credit Line by the Card Account Owner, accrued interest, fees, eventual penalties as well as other payments, the Bank shall be entitled to demand and the Card Account Owner shall be obliged to ensure that the surety agreement is concluded with a person compliant with the Bank’s requirements. The fact of the surety agreement conclusion and the surety’s details shall be specified in the Application for Banking Services “Current (Card) Account Opening and Card Issue under the Package Offer” by the Card Account Owner and the Bank. 4.6.3. The Card and its PIN-code may be received at the entity of the Bank where the Agreement was concluded or at any outlet of the Bank upon written application from the Card Account Owner or his/her representative. The Bank shall issue the Card either to the Card Account Owner or his/her representative in person or to his/her representative in Law (one of parents (adoptive parent) of juvenile/underage child, caretaker of juvenile/private individual recognized as incapable by court, caretaker of a person whose capability is limited, etc.). If the Card issued in the name of the Card Account Owner is received by Representative under the power of attorney, the Bank shall not be liable for any transactions performed with the use of such Card. 4.6.4. When executing the Package Offer it is mandatory to subscribe to SMS-notification and Active Access Mode to the i-Bank Remote Service System and the above services to be added to the set of services containing in the Package Offer. 4.6.5. For the services under the Package Offer the service fee in the amount defined in the Tariffs shall be debited from the primary Card Account on a monthly basis. 4.6.6. The monthly service fee under the Package Offer shall not be charged provided one of the special terms and conditions stipulated in the Tariffs is met by the Card Account Holder. 4.6.6.1. Special terms and conditions – terms determined by the Tariffs and relating to minimum number or minimum amount of transactions performed with the Card(s) issued to the primary Card Account under the Package Offer in the trade and service network (excluding transactions made via the i-Bank Remote Service System) and/or minimum daily average balance on the primary Card Account (excluding the balance on the Mobile Savings Account). 4.6.6.2. The level of the special terms and conditions performance shall be analyzed on the settlement date set by the Bank which falls on the first banking day of the month; the settlement period which is analyzed on the settlement date shall be the previous full calendar month. 4.6.7. The Card Account Holder shall ensure availability of sufficient amount on the primary Card Account for automated debit of the monthly service fee under the Package Offer. If funds necessary for the above fee debiting is unavailable on the primary Card Account, automated debiting of the service fee may be performed at the expense of the funds available on the Mobile Savings Account (in full or partially but within the available amount) or as a one-time transaction at the expense of the unauthorized overdraft (of full or partial amount of the monthly service fee). 4.6.8. Terms of services under the Package Offer can be amended upon the Customer’s initiative and submitting of respective written application and along with this the class of the Package Offer can be changed to both the lower and the higher class. 4.6.8.1. When analyzing the level of the special terms and conditions performance covering the previous full calendar month the terms set by the Tariffs as per the Package Offer effective on the current settlement date shall be applied. 4.6.9. Possibility of the Customer to select certain services which can be added to the Package Offer as well as the list of services available for each Package Offer and its maximum number are stated in respective Banking Service Application. 4.6.9.1. Formalization of services selected by the Customer and to be added to the Package Offer shall made by concluding relevant Banking Service Applications and/or Agreements (issue of additional card, opening of a current account, performance of SWIFT cross-border transfer, leasing of individual safe deposit box, etc.). The procedure for use of the above services is regulated by respective provisions of the Applications/Agreements concluded by the Bank and the Customer, relevant Rules and the Tariffs. 4.6.10. If the Card Account Owner chooses the services under concierge service program by Visa/Master Card International Payment Systems as a selected service and it is added to the Package Offer, the Bank shall be liable to perform all the actions necessary to activate the above service. 4.6.11. If the Card Account Owner chooses insurance as a selected service and it is added to the Package Offer the service shall be provided by way of concluding relevant insurance agreement between the Customer and an insurance company which the Parties shall abide by in the course of use according to the provided service. 4.6.12. The amount of the Credit Line opened under the Package Offer, rates for its utilization and other terms and conditions shall be stipulated in the Agreement/Banking Service Application. 4.6.13. When the Card Account Holder is dismissed from the employing enterprise (or if employing enterprise transfers its salary project to the other bank) it is not mandatory to close the Package Offer. The Customer shall be entitled to continue using the primary Card Account, issued payment Card and other services previously ordered under the Package Offer. 4.6.14. The relations between the parties that may develop in the course of services provision under the Package Offer and which are not regulated

18

by this clause of the Rules shall be governed by other relevant provisions of the Rules as well as provisions of the Banking Service Applications and Agreements between the Bank and the Customer under which the respective services were ordered.

4.7. PECULIARITIES OF SERVICE OF CARD SETTLEMENTS VIA THE INTERNET 4.7.1. Internet settlements using Cards 4.7.1.1. The Cards allow making the following transactions in the Internet: book a hotel room, airplane tickets, rent a car, make settlements via the Internet, etc. 4.7.1.2. To make a transaction in the Internet, it is necessary to enter the following Card data: number (16 digits), validity period (month/year), CVV2 – for Visa system or CVC2 – for MasterCard system (3 digits available in the line for signature of the Card Holder). Cards have functional possibility to remove mandatory verification of CVV2/CVC2 codes over the telephone and/or upon respective application of the Card Holder and/or via the RSS IB for the chosen period and its automated renewal. 4.7.1.3. To perform MOTO transactions, the Holder shall give the number of his/her Card to the commercial or service organization. This might be accompanied by the signing of the agreement for the purchase of goods and services using the Card. 4.7.1.4. If cashless settlements are performed in the currency, different from the Card Account currency, the currency shall be automatically converted at the special authorization exchange rate (FX rate for card transactions available at the official web site of the Bank), established by the Bank for the date of funds/commission debiting from the Card Account. 4.7.1.5. PIN-code for settlements via the Internet does not have to be entered. 4.8. PECULIARITIES OF CREDIT CARDS AND PREFERTA CREDIT CARDS SERVICE 4.8.1. Pursuant to the Banking Service “Credit Card” and based on the Banking Service Application the Bank agreed to fulfill, the Bank opens the Card Account in the name of the Card Account Owner in UAH with a possibility of setting/opening a revolving Credit Line, maintains it and issues the Card and PIN-Code to the Card Account Owner on conditions defined in the Banking Service Application, the Rules, the Agreement, and the Tariffs. 4.8.2. The Bank services the Card Account under the debit and credit scheme as follows: the Card Account Owner can perform payment transactions using the Credit Card in trade and service network, on the Internet, and encashment points within the balance of own funds accounted in the Card Account or using the Credit Line opened by the Bank if the funds balance is insufficient or unavailable. 4.8.3. The Bank opens the Credit Line not later than on the next Business day following the date of issuing the Credit Card to Card Account Owner, and shall be valid until the Card expiry specified in the Banking Sercice Application, or termination of the Credit Line for other reasons provided for by the Agreement, the Rules, the Banking Service Application, and the Legislation. 4.8.4. Validity term of the Credit Line can be automatically extended (prolonged) if the Card Account Owner addresses the Bank with Application for refusal from Credit Card Banking Service not later than 1 Business Day prior to the Credit Line expiry specified in the Banking Service Application. The credit Line’s validity term shall be deemed automatically extended (prolonged) for the same period and with the same terms and conditions specified in the Banking Service Application. In such case, the validity term shall be deemed automatically extended (prolonged) and shall not require Parties to conclude any additional transactions and/or provide any additional documents. Number of automatic extensions (prolongations) of the Credit Line’s validity term shall not be limited. 4.8.5. If during verification of the documents of the Card Account Owner and/or concluding the Agreement and/or agreements with the Bank and/or in the process of making decision on automatic extension (prolongation) of the Credit Line’s validity term the latter reveals unreliable information and/or unreliable documents and/or negative information that may cause increase of the credit risk of the Bank, it shall be entitled to refuse to open the Credit Line or to automatically extend (prolong) the credit Line’s validity term to the Card Account Owner. Should the Bank refuses to automatically extend the Credit Line’s validity term, it shall be obliged to notify the Card Account Owner (via telephone call from the Contactl Center of the Bank and/or SMS messages and/or by sending a registered letter without amending or supplementing the Agreement/the Banking Service Application) not later than 20 calendar days prior to the expiry of the current validity term. 4.8.6. For using the Credit Line, the Bank accrues on a daily basis and the Account Owner pays on a monthly basis, within the terms stipulated in Clause 4.8.12. of the Rules, interest at the rate defined in the Tariffs and indicated in the Banking Service Application. Accrued interest shall be repaid at the expense of funds balance accounted in the Card Account via Direct debit thereof by the Bank or in any other way set forth in the Agreement and/or the Rules. When calculating interest the actual number of calendar days in a month, and nominally 360 days in a year is taken. With that, the day on which past due occurred on the Credit Line and the day of its repayment are deemed one day, the day of Credit Limit opening is included into calculation, and the repayment day is not. The Card Account Owner may close the Credit Line before the maturity only simultaneously with the Card Account closure according to the procedure and conditions set forth in the Rules and the Legislation. 4.8.7. The Bank shall be entitled to increase the Credit Limit amount. The amount of such increase is determined by the Bank at is discretion based on internal calculations and on condition of positive credit history of the Card Account Owner during the term of the Credit Line use, and it may not exceed the boundary limits determined by the Banking product. 4.8.8. The Bank shall inform the Card Account Owner on possibility of the Credit Limit amount increase by means of phone call from the Contact Center and/or sending the SMS and/or sending the registered or certified mail without concluding any additional deeds by the Parties and/or any additional documents. The Credit Limit amount may be increased the unlimited number of times during the Card validity period. 4.8.9. Within the Banking Service there is the Grace period consisting of the Settlement period and the Payment period and during which the Bank accrues the interest at the reduced rate (the Grace Period Interest Rate), in accordance with the Tariffs. Duration of the Settlement period, the Payment period and the Grace period, as well as types of transactions (settlements) to which the Grace Period Interest Rate shall apply is as follows:

No. Type of the Card and issue period Duration and procedure for the Grace period calculation

Types of transactions (settlements) to which the Grace Period Interest Rate

shall apply

1. For Cards of all types, issued to the Card Accounts opened before 01.12.2019 inclusively.

Settlement period: Starts every calendar month on a day corresponding to the day of the Card Account opening (the Settlement Day). Payment period:

Only transactions made in trade and service network.

19

Starts on a day following the next Settlement Day and ends 25 days after the next Settlement Day. Grace Period – is up to 55 days.

2. For the Cards3 of all types (except for Mastercard World DriveCard) issued to the Card Accounts opened starting from 02.12.2019, and Credit Cards under salary projects of all types (except for Mastercard World DriveCard) issued to the Card Accounts opened starting from 17.12.2019.

Settlement period: Starts on the first day of every calendar month4 (the Settlement Day) and ends on the next Settlement Day. Payment period: Starts on a day following the next Settlement Day and ends on the last day of calendar month. Grace Period – is up to 62 days.

All types of transactions (cashless settlements, transactions made in trade and service network, cash withdrawak transactions, etc.)

3. For PREFERTA Cards of all types (except for Mastercard World DriveCard) issued to the Card Accounts opened starting from 02.12.2019, and Credit Cards under salary projects of all types (except for Mastercard World DriveCard) issued to the Card Accounts opened within the period from 02.12.2019 to 16.12.2019 inclusively.

Settlement period: Starts every calendar month on a day corresponding to the day of the Card Account opening (the Settlement Day) and ends on the next Settlement Day. Payment period: Starts on a day following the next Settlement Day and ends 25 days after the next Settlement Day. Grace Period – is up to 55 days.

Only transactions made in trade and service network.

4. For Cards of Mastercard World DriveCard type (regardless of the issue date).

Settlement period: Starts every calendar month on a day corresponding to the day of the Card Account opening (the Settlement Day) and ends on the next Settlement Day. Payment period: Starts on a day following the next Settlement Day and ends 25 days after the next Settlement Day. Grace Period – is up to 55 days.

Only transactions made in trade and service network.

4.8.10. The Grace Period Interest Rate shall apply only in case of full repayment of the debt under the Card Account, which occurred during the Settlement cycle, during the Payment period (before the end of the Grace period). If the debt is not repaid or not repaid in full by the end of the Grace period, the interest shall be accrued on the whole debt amount which occurred during the Settlement cycle at the standard interest rate. 4.8.11. The accrued interest shall be paid with the remaining balance accounted in the Card Account by the Direct debiting by the Bank or in any other way provided for in the Agreement and /or the Rules. When calculating interest, the actual number of days in a month and 360 days in a year are taken into account. At that, the day of the debt occurrence in the Credit Line and the day of its repayment shall be considered one day, the day of the Credit line opening shall be factored in and the day of repayment shall not be factored in. 4.8.12. On a monthly basis during the Settlement period, the Card Account Owner must pay the Mandatory Monthly Payment including 5% of the Credit Line amount used in fact, including interest accrued for the Credit Line use as of the last day of the reporting Settlement Cycle. 4.8.13. On a monthly basis during the Settlement Period the funds for repayment of the Mandatory Monthly Payment shall be directly debited from the Debit Card Accounts opened under the Salary Projects. In such a case, automatic attempts to debit the necessary amount for repayment of debt (or unpaid part of a debt) from the Debit Card Account are made as follows: - on the 1st, the 5th, the 10th, the 15th, the 20th, and the 25th day; - during the last 5 (five) days of the Payment period – for the Credit Cards issued to the Card Accounts opened starting from 02.12.20195. If balance of the Debit Card Account is sufficient, such amount shall be credited to the Credit Card Account automatically, and for repayment of the Mandatory Monthly Payment. In such a case, all debit attempts during this Payment period shall be stopped. If balance of the Debit Card Account (which is debited) is insufficient, the repayment shall be made at the expense of balance of the “Mobile Savings” Account. If balances of both the Debit Card Account and the “Mobile Savings” Account are insufficient, the Bank shall continue the attempts to debit the whole amount available in the Debit Card Account so that the Mandatory Monthly Payment or the Priority Payment is debited in full. 4.8.14. In case of failure to make the Mandatory Monthly Payment/Priority Payment within the term determined in the Rules, the Credit Card shall be blocked automatically. The amount of unpaid Mandatory Monthly Payment/Priority Payment shall be transferred to past due debt accounts. 4.8.15. The Card Account Owner is entitled to repay Credit Line and accrued interest indebtedness at the expense of cash funds entered on account and/or cashless transfer of funds to the Card Account from his/her other account, including accounts opened with other bank. 4.8.16. The amount on Mandatory Monthly Payment/Priority Payment may be made known to the Card Account Owner by the Bank in the Card Account Statements, by sending the SMS or in any other way stipulated in the Rules. The Card Account Owner’s failure to receive the Card Account Statement does not exempt him/her from performance of obligations to the Bank under the Agreement/Banking Service Application. 4.8.17. In case of the Card Account Owner’s failure to make the Mandatory Monthly Payment/Priority Payment within the terms as set forth in the Rules the Bank is entitled to reduce the Credit Limit or to refuse further lending to the Card Account Owner by closing the Credit Line, transferring the outstanding balance to the past due debt accounts at its own discretion and under internal calculations. The Bank shall notify the Card Account Owner about reduction of the Credit Limit or closure of the Credit Line via telephone call from the Call Center of the Bank/by sending the Demand Letter on the whole indebtedness repayment under the Banking Service without execution of any additional

3 Except for Credit Cards issued under salary projects within the period from 02.12.2019 to 16.12.2019 inclusively and PREFERTA Cards. 4 Except for transactions on card-to-card transfers, the Settlement Cycle under which starts on the second day of every calendar month. 5 Except for Credit Cards issued under salary projects within the period from 02.12.2019 to 16.12.2019 inclusively and PREFERTA Cards.

20

deeds and/or submission of any other additional documents. In such a case, the Card Account Owner shall repay the indebtedness under the Credit Line in the amount and within the terms stipulated in the Bank’s written demand. 4.8.18. Settlement of Credit Card Account payments shall be performed as follows:

• Interest on the UNAUTHORIZED OVERDRAFT; • Amount of the UNAUTHORIZED OVERDRAFT; • Amount of past due loan outstanding; • Interest on past due loan outstanding; • MANDATORY MONTHLY PAYMENT on loan; • Amount of loan debt; • Penalty (forfeit, fine).

4.8.19. The Card Account Owner may early close the Credit Line only simultaneously with closure of the Card Account in accordance with the procedure and conditions defined in the Rules and the Legislation.

4.8.20. Main and additional cards shall be issued/reissued on condition that this service is provided for by the Tariffs. 4.8.21. If the Card Account is serviced under the salary project, the Credit Card shall not be issued without the Debit Card. 4.8.22. If the Card Account Owner is no longer employed by the Bank or the Enterprise (if the Card Account is services under the salary project) the new interest rate shall be applied in accordance with the Banking Service Application/ Application for Amendment of the Banking Service Terms. 4.8.23. After the fulfilment of mutual obligations in case of the Agreement/Banking Service Application cancellation or maturity, upon the request of the Card Account Owner, the Bank shall provide certificates on the Card return by the Card Account Owner and absence of indebtedness in the Card Account free of charge. 4.9. PECULIARITIES OF CREDIT LIMIT INDEBTEDNESS REPAYMENT 4.9.1. The Bank shall accrue interest for the Credit Limit use and on the amount of Unauthorized Overdraft, if any, in line with the effective Tariffs. Interest shall be accrued on the amount of the unauthorized Overdraft and used Credit Limit starting from the day of its occurrence and till the day of complete repayment. 4.9.2. If a notification from the Bank regarding suspension of validity of the Credit Line under the Credit Card Account has been received within a period specified by the Bank, settlements with the Credit Card should be suspended till complete repayment of indebtedness under the Credit Limit and accrued interest. 4.9.3. The Card Account Owner shall constantly, from the first till the last day of the present Agreement validity period, familiarize him/herself with the Tariffs and always know the amount of interest to be paid for utilization of the Credit Line under the Credit Card and for the Unauthorized Overdraft. 4.9.4. The Bank may block the Card Accounts without giving an advance notice to the Card Account Owner if the Mandatory Monthly Payment under the Credit Card Account was not repaid within the time limits established by the Tarrifs, and starting from the next Business day, accrue interest on the amount of the Mandatory Monthly Payment in line with the effective Tariffs for each calendar day of such outstanding. 4.9.5. Should the indebtedness hereunder remain unpaid, the BANK shall, till the moment of the Debit Card Account closure, transfer residual indebtedness to the past due indebtedness accounts and send a letter to the Card Account Owner demanding to repay the whole amount of indebtedness hereunder. 4.9.6. Should the Holder have a past due indebtedness under any loan with the Bank (including past due indebtedness under the Credit Card Account), the Bank may debit unilaterally the necessary amount of funds from the Debit Account in order to repay such indebtedness. 4.9.7. Peculiarities of repayment of the Credit Cards indebtedness are provided in Clause 4.8. of the Rules. 4.10. UNUSUAL SITUATIONS WITH A CARD AND IN THE PROCESS OF USING AN ATM 4.10.1. If the CARD is lost or stolen: 4.10.1.1. If the Card was lost or stolen, the Holder shall immediately block it (enter to the Stop-List) by calling the Contact Center of the Bank and providing the Bank employee with information necessary for his/her identification over the telephone (full name, password and the Card number, etc.) or on his/her own using the i-Bank System (the RSS IB) or the Payment Application. The Card shall be blocked by the Contact Center after the procedure of establishing the compliance of the Holder’s information provided by phone with information from the Bank’s database, which confirms that the caller is the Card Holder, is successful within 30 minutes of the Holder’s application. In the RSS IB or via the Payment Application, the card shall be blocked immediately after the Holder has given the order to the RSS IB or the Payment Application for Card Blocking by pressing respective control elements (buttons) in the transaction screen form. Once the Card has been blocked, performance of transactions requiring Authorization shall become impossible: in response to the authorization request the Bank shall provide a refusal. 4.10.1.2. In the event of loss or theft of the Card abroad and absence of possibility to contact the Contact Center, the Holder may address Customer Support Center of the respective payment system and provide the following identification information to the operator: first and last name, date of birth and address, full number of the Card, name of the Bank. Operator shall, within the shortest period possible, redirect the Holder’s notification to the Bank for the purpose of the Card Blocking. 4.10.1.3. After receiving information from the payment system Customer Support Center about the loss/theft of the Holder’s card, the Bank, within 2 hours, shall block such Card by means of its entry to the electronic Stop-List. With that, in response to the automated request, the Bank shall give a refusal or an order to “extract the card”. 4.10.1.4. Oral notification over the telephone about the loss/theft of the card should be confirmed by the Holder’s submission of the written application within the period of 3 Business days from the date of oral notification. Written confirmation should be delivered to the address of the Bank by a registered letter or provided by the Holder to the Bank entity in person. If written confirmation is not received by the Bank over the period of 3 days after the moment of oral notification, the Bank shall be entitled to cancel the Card Blocking. 4.10.1.5. To prevent the possibility of lost/stolen Card being used without the Authorization, the Holder may submit to the Bank a written application for Card Blocking by entering it to the paper Stop-List of Visa or MasterCard, stating the region (see the list in the term “Stop-List” of Section II hereof), where unauthorized usage of the Card is possible. The Card shall be entered to the paper Stop-List over the period of 18 calendar days from the date when the Bank received a written application. 4.10.1.6. To receive more detailed information regarding expediency of the Card Blocking by means of its entering into the paper Stop-List, the Holder may address the entity of the Bank. The Bank shall charge a fee for services related to the Card Blocking in line with the Tariffs. Having signed an application for the Card Blocking as well as having given the order for the Card Blocking to the RSS IB/the Payment Application, the

21

Holder gives his/her consent to paying for this service pursuant to the effective Tariffs. The Bank shall charge a fee by debiting the Card Account (unless fee was paid in cash through the cash desk of the Bank). All expenses related to the Card Blocking service shall rest with the Card Account Owner. 4.10.1.7. If lost or stolen blocked Card is found, it shall become available for use only once it is unblocked. The Bank shall unblock the Card on the ground of the respective written application of the Holder. The Card shall be removed from the electronic Stop-List within 1 business day from the moment the Bank receives the aforesaid application. If the Card was blocked using the RSS IB or the Payment Application, the Holder’s Card may be unblocked using the RSS IB or the Payment Application according to the procedure stipulated in Section VII–VIII of the Rules, or by the Bank upon written application of the Holder. 4.10.1.8. If such unblocking is technically impossible, the Card may become available for use only after its replacement (re-issue). Such replacement shall be performed on the ground of the written application of the Holder once this service is paid for according to the Tariffs and once the found Card is returned to the Bank. 4.9.2. If PIN-code is lost: 4.10.2.1. If the Holder lost or cannot recall the PIN-code, it is necessary to submit a written Application for reissue of the Card to the outlet of the Bank, where such Card was issued in the first place. On the ground of the Banking Service Application, the Bank shall issue a new Card with a new PIN-code in line with the Tariffs 4.10.2.2. The PIN-code lost by the Holder or cannot recall can also be restored by addressing the Bank’s outlet where such Card was issued. After the procedure of establishing the compliance of the Card Holder’s information provided by phone with information from the Bank’s database, which confirms that the caller is the Card Holder, is successful the new PIN-code can be set using POS-terminal of the Bank’s cash desk. The service shall rendered under the effective Tariffs. 4.9.3. If the Card is damaged: 4.10.3.1. If the Card does not work due to damage to a magnetic stripe or some other mechanical damages, the Holder shall submit a written application for reissue of the Card to the outlet of the Bank, where such Card was issued in the first place. 4.10.3.2. On the ground of the application, the Bank shall issue a new Card with a new PIN-code in line with the Tariffs. 4.9.4. When paying in trade and service network: 4.10.4.1. If there are any unusual situations involving the Card that occurred in the process of payment for goods (services) or when receiving cash, the Holder may address the Bank by calling to the Contact Center to report about all the circumstances of the unusual situation and receive instructions regarding the further actions. 4.10.4.2. If goods were returned or service was not received in full, the Card Holder should address the company that sold goods or rendered service. 4.10.4.3. When returning funds to the Holder, trade (service) company shall cancel respective transaction by using the Card, with which such transaction was performed, in POS-terminal (imprinter) and shall provide a credit POS-terminal receipt (Slip) for the amount of funds being returned to the Holder. 4.10.4.4. If transaction is cancelled with the help of the Card in the POS-terminal over the period of 7 calendar days from the moment of original transaction, respective amount shall become available for usage immediately. 4.10.4.5. On the ground of the original transaction cancellation, if such cancellation is performed without the Card or 7 calendar days after the performed transaction and respective amount has already been debited from the Card Account, the Bank shall credit funds to the Card Account in the amount stated in the return receipt when respective information from trade (service) company is received by the Bank. 4.10.4.6. Funds may be returned to the Card Account in cashless form only. 4.10.4.7. If funds were not credited to the Holder’s Card within 15 calendar days for Visa Cards and/or 30 calendar days for MasterCard Cards, the Holder should address the Bank and write an application contesting a disputable transaction. 4.9.5. When withdrawing cash from the ATMs: 4.10.5.1. If there are any technical failures in the process of withdrawing cash, the Holder should provide the Bank with a written application contesting such transaction, which specifies the date, time, name of the Bank, which owns the ATM, as well as description of the transaction details and copy of the ATM slip (if any). 4.10.5.2. When it is necessary to withdraw a large amount of funds that cannot be disbursed by the ATM in one transaction due to limited slot for banknotes (maximum number of banknotes per one transaction – 40 pieces), such amount should be withdrawn in two or more transactions. If one chooses the amount below the minimal face value of banknotes, shown at the ATM screen, cash disbursement shall be impossible. In such a case it is necessary to select the amount divisible by the minimal face value of banknotes in the ATM. 4.10.5.3. If the ATM disburses an incorrect amount, the Card Account Owner should address the Bank with an application contesting such transaction describing details of its performance and provide a copy of the ATM slip (if any). 4.10.5.4. If transaction, during which an incorrect amount was disbursed, was performed in the ATM belonging to JSC CREDIT AGRICOLE BANK, funds shall be returned to the account/debited from the account within 3 Business days from the moment when cash is collected from the ATM. 4.10.5.5. For transactions performed in the ATMs of the other banks, funds shall be returned to the Card Account once the Bank completes procedures, the terms of which are specified by Visa or MasterCard rules. 4.9.6. If the Card is extracted by the ATM: 4.10.6.1. If the Card is extracted by the ATM, the Card Holder should block it (enter to the Stop-List) by calling the Contact Center of the Bank or by his/her own using the i-Bank System (the RSS IB) or the Payment Application, as well as find out terms under which the extracted Card is returned. 4.10.6.2. If the Holder’s Card was extracted by the ATM of other Bank, the Holder may either call the phone numbers specified on the ATM, and find out terms under which the extracted Card would be returned, or address the issuer Bank for the Card to be reissued. 4.10.6.3. After the Holder applies to the Contact Center over the phone or gives order for Card Blocking using the RSS IB or the Payment Application, the Card is blocked by means of its entry to the electronic Stop-List. The Contact Center shall block the Card within 30 minutes from the moment of the phone call of the Holder and the identification of the latter. The Card Blocking using the RSS IB or the Payment Application shall be made immediately after the Holder of the RSS IB or the Payment Application gives order for the Card Blocking by pressing control elements (buttons) on transaction entry forms. Once the Card is blocked, performance of transactions requiring the Authorization shall become impossible: in response to the authorization request the Bank shall provide a refusal. 4.10.6.4. If the Card is extracted due to technical malfunction of the ATM of the other Bank, it is necessary to address the bank that owns such the ATM, which phone number is stated at the screen and/or body of the ATM. The Card may be extracted by the ATM in the following cases: 4.10.6.4.1. Untimely reaction or inaccurate adherence to the instructions in the ATM terminal;

22

4.10.6.4.2. Usage of the Card that has mechanical or electromagnetic damages; 4.10.6.4.3. Usage of the Card having “extracted” status (lost or stolen); 4.10.6.4.4. Usage expired, fake or bogus Card which is prohibited and prosecuted in line with Ukrainian and/or international legislation. 4.10.6.5. First of all, it is necessary to make sure that the Card has indeed been extracted: there might be a delay in the functioning of the ATM due to failures in connection or other technical reasons. If the ATM is ready to service the other customer, which is reflected on its screen, it is very likely that the Card was indeed extracted. In such case, it is necessary to notify the Bank of this fact, as well as contact the bank that owns such ATM (details of the bank shall be specified on the external panel of the ATM). 4.11. SMS-NOTIFICATION 4.11.1. SMS-notification is the provision of up-to-date information on the Card Account and transactions using one’s own payment Cards to the cell phone: receipt of SMS-messages about the amounts of performed transactions and the Card Account balance. 4.11.2. In order to ensure constant information support regarding the card account balance depending on the type of service, the Bank shall send an SMS-message to your cell phone pertaining to:

Withdrawal of cash in the ATM with the account balance available after the transaction;

Settlements in trade and service network with the account balance available after the transaction;

Settlements in the Internet with the account balance available after the transaction;

Replenishment with the account balance available after the transaction;

Necessity to pay the next installment;

Occurrence of an unauthorized overdraft;

Occurrence of a past due payment;

Termination of the card’s validity;

Other messages for information purposes. 4.11.3. Connection of the Card to SMS-notification service (receipt of SMS-messages about the balance of the Card Account and transactions using one’s own payment Cards) shall be performed on the basis of the respective Banking Service Application drafted by the Card Account Owner via the terminal equipment of the Bank (including the ATM), the Official Website of the Bank, by calling the Contact Center of the Bank by hotline telephones as well as via the i-Bank Remote Service System (the RSS IB). 4.11.4. When ordering a SMS-notification service via the Official Website of the Bank or ATMs, or via the RSS IB, the Card Account Owner shall agree to connection to the type of service, fee for which is specified in the effective Tariffs Ordering SMS-notification service via the terminals of the Bank (including the ATMs), at the official website of the Bank, via the RSS IB or in some other way shall be identical to ordering it by means of a written Application for connection and putting own signature, to which the Card Account Owner shall give his consent and undertake to pay a fee for SMS-notification service in line with the effective Tariffs of the Bank. 4.11.5. By subscribing to SMS-notification service, the Card Account Owner shall agree that information on the specified payment Card shall be transferred via the unprotected communication channels and may become known to the third parties. With that, all responsibility for disclosure of information on the Card Account balance to the third parties that may occur as a result of the Bank’s sending of information via the unprotected communication channels shall rest with the Card Account Owner. 4.11.6. If the Card is expired or terminated for any other reasons, the service shall be automatically unsubscribed. It is possible to get unsubscribed from the service independently using the functionalities of the Bank’s ATM or via the RSS IB. The Card Account owner/Holder can also unsubscribe the service by contacting the Call Center if the Card is blocked on a permanent basis. 4.11.7. In case of absence of active operations (except for the operation of paying on card account of accrued interest by the Bank on balance of funds on Card Account and/or transactions of debiting compensation for delivered services by the Bank, if any) on the Card Account during 90 calendar days in a row and in case of absence of funds on the Card Account, the Bank shall be entitled to unilaterally switch off the SMS-notification. 4.12. PECULIARITIES OF “MOBILE SAVINGS” SERVICE 4.12.1. “Mobile Savings” Service shall become available to the Card Account Owner automatically at the moment of the Debit Card Account opening should such Service be stipulated by the Tariffs. 4.12.2. Savings account shall be opened simultaneously with the Debit Card Account without the necessity for the Holder to submit additional documents. 4.12.3. Validity period of “Mobile Savings” Service shall be similar to that of the Debit Card Account. 4.12.4. Savings Account Currency shall be similar to that of the Debit Card Account. 4.12.5. When the Card Account Owner is allocating funds in the Savings Account, interest shall be accrued on the balance of such funds and the rate (interest rate) shall be specified in the Tariffs of the Bank. 4.12.6. Upon the transfer of funds to the Savings account, interest shall be accrued starting from the next Business Day. 4.12.7. The Bank shall accrue interest on a daily basis (once such accrual started) as of the end of the Operational hours. When calculating interest, the actual number of days in a month and 360 days in a year are taken into account. 4.12.8. The Bank shall pay interest on a monthly basis on 25th day (or the next business day) of each month by means of crediting accrued interest to the Savings Account (interest capitalization). 4.12.9. Service management shall be performed by the Card Account Owner through the ATMs of the Bank or via the i-Bank System (the RSS IB) or the Payment Application. 4.12.10. Service management shall include: transfer of funds from the Debit Card Account to the Savings Account; transfer of funds from the Savings Account to the Debit Card Account; verification of the Savings Account balance. 4.12.11. To transfer funds from the Debit Card Account to the Savings Account via the ATMs of the Bank, it is necessary to:

Insert a card in the ATM and enter a PIN-code;

Select a “Money transfer” option from transactions available on the ATM screen;

Then select “Transfer between accounts” – “Transfer to the Savings Account”;

Enter the amount of transfer;

Verify correctness of the transfer amount entry;

Once a transaction is performed, receive a confirmation in the form of a Slip on the amount of transfer and the Debit Card Account balance.

23

4.12.12. To transfer funds from the Savings Account to the Debit Card Account via ATMs of the Bank, it is necessary to:

Insert a card in the ATM and enter a PIN-code;

Select a “Money transfer” option from transactions available on the ATM screen;

Then select “Transfer between accounts” – “Transfer from the Savings Account”;

Enter the amount of transfer;

Verify correctness of the transfer amount entry;

Once a transaction is performed, receive a confirmation in the form of a slip on the amount of transfer and the Savings Account balance. Transfer of funds from the Savings Account to the Debit Card Account shall be performed in on-line mode (instantaneously). 4.12.13. To check the Savings Account balance in the ATMs of the Bank, it is necessary to:

Insert a card in the ATM and enter a PIN-code;

Select an “Account balance” – “Savings account” option from transactions available on the ATM screen;

Result may be both seen on the screen and received in the form of a slip. 4.12.14. To transfer funds from the Savings Account to the Debit Card Account and vice versa in the RSS IB or the Payment Application, one should choose option “Replenish” or “Withdraw” on the respective “Mobile Savings” account, enter the amount and confirm the transfer of funds. 4.12.15. When closing the Debit Card Account, funds available in the Savings Account shall be transferred to the Debit Card Account. 4.12.16. In the framework of “Salary and Credit” Product, on a monthly basis the amount of Mandatory Monthly Payment shall automatically be debited from the Debit Account under the Credit Card Account. In case that there is a lack of funds on the Debit Card Account (from which the transfer is performed), the repayments shall be performed both at the expense of the Debit Card Account balance and the Savings Account Balance (in case of funds availability on it). 4.13. ADDITIONAL CARD ACCOUNT MANAGEMENT SERVICES 4.13.1. Within the framework of additional Card Account management services the Card Holders shall have a possibility to order a service of lifting Authorization limits on Cards, cancelling CVV2/CVC2 code verification for Cards, change of PIN-code in payment devices of the Bank. 4.13.2. Card authorization limit lifting service 4.13.2.1. In order to prevent financial losses due to unauthorized use of Cards or their details, the Bank has established limits on the amount and number of transactions with the Card.

The essence of banking limits Visa Infinite Visa

Platinum/ MC Platinum

Visa Gold/ MC Gold/ World MC/

MC Business

Visa Classic/ MC Standard/

Debit MC

Visa Electron/ Maestro/

Visa Classic Unembossed/

MasterCard Standard

Unembossed

Number of cash disbursement transactions (АТМ + POS), units

5 5 5 5 6

Number of trade transactions (POS + Internet), units

10 10 10 10 10

Total number of transactions for the period, units

15 15 15 15 16

Maximum amount of funds under cash disbursement transactions (АТМ + POS), UAH*

120 000 100 000 50 000 40 000 16 000

Maximum amount of funds under trade transactions (POS + Internet), UAH*

80 000 60 000 40 000 30 000 10 000

Maximum amount of funds under all transactions for the period, UAH*

120 000 100 000 50 000 40 000 16 000

Validity of banking limits (days) (countdown starts at 00 hours, Kyiv time)

1 1 1 1 1

* Amount indicators are specified in hryvnias (UAH). If the currency of transaction differs from hryvnia (for instance, transaction is performed abroad), banking limits shall be valid within amounts of currencies of other countries, recalculated into hryvnias using conversion rate. 4.13.2.2. Attention! Authorization Limits on cards with a chip-module and cards with a magnetic strap are similar within one type of plastic. If Holder wishes to use the Card within the specified time and manage amounts in excess of established Authorization Limits, the Holder shall address the Bank verbally (telephone call to the Contact Center of the Bank), with a written application or via the i-Bank Remote Service System (the RSS IB). The Bank shall cancel the Authorization Limits for the period specified by the Holder but not longer than 3 days. These limits are lifted within minutes upon a telephone call to the Contact Center (it is necessary to state the Password in response to the operator’s request provided that the Holder has submitted the application on this Banking service to the entity of the Bank). When travelling abroad, it is necessary to contact the customer support of the Bank beforehand, to learn the amount of the Authorization Limits established for the Card. If it is necessary to change Authorization Limits, the application of the respective format should be formalized in any outlet of the Bank or by telephone call to the Contact Center of the Bank (for cancellation of limits for up to 3 days) or via the i-Bank Remote Service System (the RSS IB). 4.13.3. Service of cancelling (switching-off) CVV2/СVС2 code verification for Cards 4.13.3.1. In order to prevent financial losses caused by unauthorized usage of Cards or their details when making transactions in CNP environment (card not present, for example – e-commerce (the Internet), MO/TO (Mail/Telephone order) CVV2/СVС2 code is used as a protection element. 4.13.3.2. Service of cancelling (switching-off) CVV2/СVС2 code verification for Cards allows making transactions using Cards without entry/verification of CVV2 code for the chosen period of time, and also allows restoring (switching-on) such verification in future. 4.13.3.3. The Holders shall have an opportunity, if necessary, to cancel (switch-off) CVV2/СVС2 code verification for the period of up to 3 days by addressing to the Contact Center of the Bank or by filing a written application to the Bank entity. 4.13.3.4. The Holders shall have an opportunity to cancel (switch-off) CVV2/СVС2 code verification for other period of their choice (1 day/1week/1 month/other period) using the i-Bank System (the RSS IB). Cancellation (switching-off) of CVV2/СVС2 code verification using the RSS IB shall be effected pursuant to the procedure stipulated in Section VII of the Rules.

24

4.13.3.5. Restoration (switching-on) of CVV2/СVС2 code verification upon expiration of the period for which it was cancelled (switched-off) shall be done automatically. 4.13.3.6. One can restore (switch-on) CVV2/СVС2 code verification before the expiration of the period for which it was cancelled shall be done within minutes by calling the Bank’s Contact Center (it is necessary to state the Password in response to the operator’s request provided the Holder has formalized an application for this service in the Bank’s entity) or using the RSS IB after giving the order to restore (switch-on) CVV2/СVС2 code verification by pushing the respective control elements (buttons) on the form view of the transaction. 4.13.4. Service of PIN-code change in payment devices of the Bank 4.13.4.1. The Holder shall manage the Service for all products and types of Cards using relevant payment devices of the Bank only (particularly, ATMs and POS-terminals in the Bank’s cash desks where the service is available). 4.13.4.2. Service management shall include PIN-code change for unlimited number of times over the whole validity period of the Card. 4.13.4.3. To change a PIN-code it is necessary to:

Insert a Card into the payment device and enter current PIN-code;

Select “other transactions” option from transactions available on the ATM screen;

Select “PIN-code change” option;

Enter current PIN-code;

Enter new PIN-code;

Enter new PIN-code one more time for confirmation; 4.13.4.4. Confirm the consent to commission to be charged in line with the Tariffs. Once transaction is completed, receive a confirmation in the form of the ATM receipt, a slip or other document relating to the transaction with the Card. 4.13.4.5. The Holder understands that PIN-code change after the receipt of the Card and after any cases when PIN-code became known to the

third parties considerably reduces risk of disputable transactions performed with the entry of PIN-code. 4.14. CARD ACCOUNT CLOSURE 4.14.1. In the event of discontinuation or pre-term cancellation of the Agreement with regard to the Banking Service of the Card Account opening, card issue and maintenance and provided the Card Account Owner does not have an outstanding indebtedness to the Bank, the Card Account shall be closed, while the balance of funds shall be repaid to the Card Account Owner pursuant to his/her written application for the Card Account closure. The balance shall be repaid by means of disbursement of cash funds or cashless transfer to the other account, stipulated in the application, but no sooner than 40 calendar days after submission of the Banking Service Cancellation Application. 4.14.2. In the event of pre-term Agreement cancellation with regard to Baking Service termination, the Holder shall have to submit a written Banking Service Cancellation Application (for the Card Account closure) and return Cards to the Bank. With that, the validity of the Agreement may not be discontinued until the Holder redeems the whole outstanding amount to the Bank. The Bank shall transfer the rest of the funds from Card Account to Account 2903 “Funds in the invalid card accounts” of the Bank entity and close the Card Account within the term stipulated in Clause 4.14.1. hereof. If the Banking Service Cancellation Application stipulates that funds should be received in cash, but the Card Account Owner failed to receive them during 1 calendar year, then after the annual inventory the Bank shall charge a commission for Card Account Maintenance in amount determined in the Bank’s Tariffs. After the statute of limitation expires, the amount of funds that were not received by the Card Account Owner shall be transferred to the revenue account of the Bank. 4.14.3. The Agreement may be closed in the event of the Card Account Owner’s death (pursuant to the application of an heir) and provided the respective procedures set forth in the effective Legislation were complied with. 4.14.4. The Agreement may be cancelled before the maturity and the Card Account can be closed at the initiative of the Bank in the cases as follows: 4.14.4.1. If over the period of 45 calendar days there is an outstanding past due debt or the Mandatory Monthly Payment is more than 45 calendar days past due; 4.14.4.2. In case of absence of active cards over a period of 90 calendar days from the expiry of the last of the active cards attached to the Card Account and absence of funds balance on the Card Account; 4.14.4.3. If the Bank decides to stop (refuse) rendering the Banking Service; 4.14.4.4. In case of circumstances which under the Legislation on financial monitoring are deemed as the ground for the reporting entity to refuse to establish business relations with the Customer, and if the Customer fails to provide the Bank upon its request with documents required by internal documents of the Bank and/or if the Bank, at its own discretion, has suspicions that transactions of the Customer and/or its activity in general and/or the activity of the Customer’s representatives have features of money laundering and/or terrorism finance and/or mass destruction weapons proliferation and/or in any other manner violate the Legislation on financial monitoring; 4.14.4.5. At the sole discretion of the Bank, if the Bank is aware of the fact that the Customer’s activity falls within the scope of activities which according to internal regulations are not serviced by the Bank, or if the Bank following the risk assessment or reassessment classified the Customer as bearing an unacceptable high risk; 4.14.4.6. Unilateral termination of the Agreement upon the initiative of the Bank according to the procedure defined in Section XI of the Rules; 4.14.4.7. In other cases defined by the Legislation, the Agreement, the Rules, incl. upon decision of authorized bodies. 4.14.5. If the Bank decides to terminate the Card Account maintenance, the Bank shall notify the Card Account Owner no later than 30 calendar days before the expected date of the Card Account closure in accordance with the procedure defined in cl. 9.4 of the Rules. 4.14.6. In case there is funds balance on the Card Account, the Card Account Owner, having familiarized with the Bank’s notification on the Card Account closure or the Card expiry, shall provide the Bank with other account payment details for funds balance transfer or receive funds in cash. If the Card Account Owner fails to provide the Bank with such account details in writing or to receive funds in cash during 30 calendar days from the moment the Bank sent a notice of the Card Account closure, the Bank shall transfer funds balance to Account 2903 “Funds in the invalid card accounts” of the Bank’s entity and close the Card Account. The funds on Account 2903 “Funds in the invalid card accounts” of the Bank’s entity shall be kept till the moment these funds owner reverts to the Bank. Interest shall not be accrued on this account. The Bank shall charge a commission for this account maintenance in amount stipulated in the Bank’s Tariffs. When acquisitive prescription is over, the amount of funds not received by the Card Account Owner shall be transferred the Bank’s revenue account. 4.14.7. The Card Account shall be deemed closed in 30 calendar days from the date the Bank sent a notice of the Card Account closure and/or information desks at the Bank’s entities on the Card Account closure or the Card expiry. With this, the Card Account Owner’s debt obligations to the

25

Bank as well as the Bank’s rights on these debt obligations under the Agreement shall be valid till the moment the Card Account Owner fulfils the debt obligations under the Agreement in full (in terms of Banking Service rendering). 4.15. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES 4.15.1. The Holder shall: 4.15.1.1. In order to avoid unauthorized utilization of the Card and prevent damages related thereto, PIN-code should not be kept together with the Card and be written on the Card itself. 4.15.1.2. The Card and PIN-code should not be given to the third parties for utilization, the Card’s CVV2/CVC2-code, password, stated in the Application, should not be disclosed to the third parties. The Bank should be immediately notified of the loss or theft of the Card, as well as of PIN-code disclosure to any third party. 4.15.1.3. The Card or information it bears should not be used in any illegal transactions, including payments for goods or services which purchase by the Holder is in violation of the requirements under the effective Legislation and Visa or MasterCard systems. 4.15.1.4. Pay the amounts of all transactions, the Unauthorized Overdrafts, interest accrued on the Unauthorized Overdraft, commissions, other payment related to the Card utilization, to the Bank. 4.15.1.5. During five (5) Business Days the Bank should be notified in writing of all changes in the data of the Card Holders (passport data, registration address and actual residence, mobile phone number, address for mail correspondence). 4.15.1.6. To state reliable data when filling out the Application for Card Account opening. If the Holder failed to make such a notification or violated the time limits for its submission, the Holder shall assume all the risks of adverse consequences resulting from such failure. 4.15.1.7. To keep documents verifying performed transactions till the moment they are reflected in the Statement. If an inconsistency between the transactions (amounts) stated in the Statement and the actually performed/paid transactions is detected, to notify the Bank of the detected inconsistency over the period of 30 days from the date of the Statement. If there are no complaints from the Holder as regards the Statement over the aforesaid period, such Statement shall be deemed confirmed by the Holder and the latter shall agree with all the transactions stated therein. 4.15.1.8. To notify the Bank without delay in the event of loss, theft or suspicion of unauthorized transaction with the Card over the Bank’s Contact Center. When addressing the Bank over the phone, to provide identification information, and also submit a written application to the Bank over the period of three business days after the oral communication over the Bank Contact Center phone numbers. 4.15.1.9. If the Holder acted in violation of the Agreement/Rules or acted maliciously, the Holder shall assume all the damages that resulted from illegal actions/dubious transactions with the Card that took place as a result of the lost Card being used till the moment of addressing the Bank and/or submission of an application. 4.15.1.10. To provide assistance and help the Bank in the process of consideration of any complaints and claims both on the part of the Holder and as regards the Card (or additional Card) itself, including to provide the Bank, at its request, with all the documents on transactions performed using the Card (or additional Card) for dispute settlement. In case validity of the Agreement is discontinued due to any reasons, to return the Card(s) to the Card Account to the Bank without delay. 4.15.1.11. In case of labor relations termination between the Holder and the Bank, the Holder shall repay in full the indebtedness under the Agreement at the Bank’s written demand, including Credit Line, interest, fine, compensation of damage, commissions under the Agreement, etc. during 3 Business days from the moment of receiving Bank’s written demand. The Holder’s failure to fulfil the obligations set forth herein shall be deemed a significant breach of the terms of the Agreement. 4.15.2. The Bank shall: 4.15.2.1. To service the Card Account according to the procedures and under the terms stipulated in the Agreement/Rules/Tariffs, as well as in the rules of Visa or MasterCard and the effective Legislation. 4.15.2.2. To notify the Holder of the Card Account balance, transactions using the Card, Card Account Blocking and unblocking, unless providing of this information shall compromise objectively justified security measures or it is prohibited by the current legislation. 4.15.2.3. To provide the Card Account Statements to the Holder on his/her Card Account. The Card Account Statements shall be provided as requested by the Holder for each previous month and may be received by the latter at the place of the Agreement conclusion. The Bank shall provide as requested by the Holder the information on the special authorization rate to have been applied during transactions with the Card free of charge. If a copy of the Statement, unscheduled Statement or Statement for an indefinite period or the repeatedly provided free-of-charge additional information for the used special authorization rate, the Holder shall pay commission in line with the Tariffs to the Bank. 4.15.2.4. Pursuant to the application of the Card Account Owner – to pay the balance of funds in the Card Account either in cash or by means of its transfer to the other account once all settlements between the Parties have been completed in the event of the Agreement termination or cancellation. 4.15.2.5. If the Bank receives an oral application from the Holder through its Contact Center about loss/theft of the Card, the Bank shall block the Card with its further entry to the electronic Stop-List over the period of 30 minutes from the moment when the application was received. If the Holder gives an order using the RSS IB or the Payment Application to block the Card pursuant to the procedure stipulated in the Rules, the Bank shall immediately block the Card and then enter it to the electronic Stop-list. 4.15.2.6. To perform interbank transfer of funds from the Card Account over the period of 3 Business days, while internal bank transfers shall be performed within the period stipulated by the internal acts of the Bank, but no more than 2 Business days. 4.15.2.7. To manufacture and issue a Card and PIN-code thereto no later than 10 Business days after the Card Account Owner (or his/her representative) submits the Application and after the Card Account Owner meets obligations to the Bank in line with the Agreement and payment of commission for banking services preceding Card issue in accordance with the effective Tariffs. 4.15.2.8. To ensure settlements on transactions using the Card. 4.15.2.9. To notify the Card Account Owner of the Card Account balance, among other things, by means of the Statement. 4.15.2.10. To transfer funds to the Card Account according to the terms laid down in the Rules/Tariffs. 4.15.2.11. To replace the Card in the event of its theft/loss, PIN-code disclosure or physical damage to the Card which makes its utilization impossible if the Card Account Owner (or his/her representative) submits respective written application according to the form specified by the Bank and pays for such service in accordance with the Tariffs. 4.15.2.12. To consider applications of the Card Account Owner about contestation of transactions in line with the rules and requirements of Visa or MasterCard. The Bank shall not be held liable for refusal of the third party to accept the Card for payment, for the quality of goods and services paid for with the Card, as well as for any limitations imposed by the third party and affecting the interests of the Holder. The Bank shall not be held liable to the Holder for conflicts outside the scope of its control related to failures in operation of the payment, settlement, processing and data transmission systems. The Bank shall not be held liable for losses incurred by the Holder as a result of illegal actions performed by the third parties using the

26

Card. The Bank shall inform law enforcement bodies of all detected cases of fraud, and should particular guilty parties be found the Holder shall demand compensation of all financial losses from such parties in line with the procedures set forth in the Legislation. 4.15.3. The Holder shall have a right: 4.15.3.1. To use the Card in line with the procedures and under the terms stipulated in the Agreement/Rules/Tariffs, as well as in the rules of Visa or MasterCard and the effective Legislation. 4.15.3.2. To authorize the Bank to issue additional Cards to the Account issued in the name of the Trustees, assuming all responsibility for such actions. 4.15.3.3. To demand from the Bank to provide documents confirming correctness of the debit of funds from the Card Account in the event of any disputes. The Bank shall request documents confirming the debit of funds from Visa or MasterCard pursuant to the application of the Holder and shall be eligible for a fee in line with the Tariffs effective as of the date of service provision. 4.15.3.4. To address the Bank beforehand and receive free phone numbers over which he/she may contact Customer Support Service of Visa or MasterCard in the specific country of stay. 4.15.3.5. To refuse from stipulated Authorization Limits on usage of funds in the Card Account assuming all responsibility for such actions:

For the period of 3 days including the current day when the Holder addressed the Bank by calling the Contact Center of the Bank;

For the period exceeding 3 days including the day when the Holder addressed the Bank or for the period of the Card’s validity, having provided a respective written application to the Bank or via the i-Bank Remote Service System (the RSS IB). 4.15.3.6. Submit a request on the issue of a new Card in the event of its loss/theft, PIN-code disclosure or physical damage to the Card, which makes its utilization impossible, termination of the Card’s validity by means of submission of the respective written application according to the form specified by the Bank. 4.15.3.7. To receive Statements subject to conditions specified in the Rules/Tariffs. 4.15.3.8. To submit an application to contest the Card Account transactions in the event of disputes regarding debit of funds from the Card Account according to the procedures specified in the Rules. 4.15.3.9. To replenish the Card Account under the terms set forth in the Rules/Tariffs. 4.15.3.10. To close the Card Account and request repayment of the balance of funds in the Card Account alongside with accrued interest stipulated in the Rules /Tariffs. 4.15.3.11. The Holder may be replaced by the other person (conversion of debt) and is entitled to deviate from the rights under the Agreement only on condition of receiving the preliminary written consent (with the stamp and signature of the authorized person) of the Bank. 4.15.4. The Bank shall have a right: 4.15.4.1. To issue additional Cards to a private individual if this private individual is entitled by the Card Account Owner to receive it. is a Non-Resident and/or to a Resident private individual if the Card Account Owner is a Resident. 4.15.4.2. If the Holder violates the terms of the Agreement/Rules or if there are suspicions of illegal/fraudulent transactions, at any moment without preliminary notification of the Holder to refuse to perform Authorization of transaction, to suspend transactions in the Card Account, to demand pre-term repayment of the Card Account indebtedness in full or in part specified by the Bank, to discontinue or suspend validity of the Card, as well as to refuse to renew or reissue the Card. 4.15.4.3. To demand documents and data on the Card Account Owner necessary for verification of his identity, essence of activity, financial standing. If the Card Account Owner fails to provide necessary documents or data or deliberately submits false data, the Bank shall be entitled to refuse to issue/service the Card. 4.15.4.4. To refuse to prolong the Card’s validity period, to replace or issue a new Card without providing any explanations for such decision if such action is in violation of the effective Legislation or may result in financial losses for the Bank or damage to its reputation. 4.15.4.5. In the event of the Unauthorized Overdraft – to accrue and collect interest on its amount under the terms set forth in the Rules and in line with the effective Tariffs. 4.15.4.6. The Bank is entitled to suspend income accrual under the Credit Line (interest/ monthly commissions, etc.) from the moment of the Bank takes any measures of forced indebtedness recovery under the Agreement from the Holder (namely: from the date of initiation of court proceedings on application (legal action), submitted (filed) by the Bank, on indebtedness recovery under the Agreement (in whole or in part defined by the Bank) from the date of notary writ of execution of indebtedness recovery from the Card Account Owner and/or foreclosure of the collateral).The Bank shall resume income accrual under the Credit Line (interest/monthly commissions) from the moment of occurrence of one of the following circumstances: from the date of the court’s decree on leaving undecided the Bank’s claim on indebtedness recovery under the Agreement and/or foreclosure of the mortgaged property pledged at the Bank in full and/or conclusion of voluntary settlement agreement between the Bank and the Holder and/or Restructuring Agreement and/or other Agreement on prolongation of indebtedness repayment term by the Holder under the Agreement. Suspension and resuming of income accrual under the Credit Line (interest/monthly commissions, etc.) in cases stipulated herein shall not require additional agreements between the Bank and the Holder and the Bank and amending correspondingly the Agreement. 4.15.4.7. To block the Card: а) If the Card Account Owner violates the provisions of the Agreement and the Rules till complete settlement of all disputes; б) In order to prevent or stop possible actions with the Card which are illegal or unapproved by the Bank (meaning if there are suspicions of a fraud). The Bank shall be entitled to provide information about such cases to Visa or MasterCard and law enforcement bodies; в) If there is an Unauthorized Overdraft in the Card Account – till complete repayment of such indebtedness by the Card Account Owner; г) If the card Account Owner does not comply with the terms of these Rules/Tariffs; ґ) Should the Bank become aware that the Account Holder was dismissed from the Enterprise (including the Bank) and provided there is an outstanding Credit Line; д) Should the Bank become aware of the Card Account Owner’s death (both main and additional Cards are blocked, as well as the Card Account itself); е) In the event of premature termination/cancellation of the Agreement at the Bank initiative; є) If the Card account was closed; ж) In other cases in order to prevent violation of the Legislation. 4.15.4.8. To stop transactions under the Customer’s Card Account in cases and under procedures stipulated by the Legislation, the Agreement, the Rules including under resolution of authorized authorities. 4.15.4.9. To suspend performance of transactions and/or service provision under the Agreement in case the balance in the Card Account is not sufficient for performing a payment and withholding a relevant remuneration (fee).

27

4.15.4.10. To acknowledge the application for contestation of the transactions with the Card submitted by the Card Account Owner unjustified. The Bank may deem the application unjustified as a result of an investigation which the Bank carries out in line with the rules and requirements of Visa or MasterCard 4.15.4.11. In order to prevent unauthorized usage of the Card and losses of the Card Account Owner related herewith – to block the Card or block any transactions without preliminary notification of the Card Account Owner as regards transactions performed at the territory of the countries, which, according to the Bank’s information, are subject to the higher level of exposure. 4.15.4.12. If labor relations between the Holder and the Bank terminate, the Bank shall be entitled to demand the full repayment the indebtedness under the Agreement necessary for complete obligation fulfilment, including Credit Line, interest, fine, compensation of damage, commissions under the Agreement, etc.

4.15.5. Responsibility of the Holder: 4.15.5.1. The Holder shall be responsible for compliance with the terms of the Agreement/Rules/Tariffs, as well as for all transactions performed by him/her and/or his/her representatives/Trustees. The Holder shall be responsible for payment for all the transactions in the Card Account, performed after theft/loss of the Card in the following cases:

At the moment of any transaction the Holder failed to notify the Bank of the theft/loss of the Card.

Transaction was performed within 30 minutes after the Bank received an oral application from the Holder regarding stolen/lost Card via its Contact Center.

The transaction was performed without a request to the Bank (Authorization), if its performance does not contradict the regulatory documents and rules of Visa or MasterCard.

If the Card Holder’s actions or inactivity lead to the loss of the Card, disclosure of PIN-code or other information allowing payment transactions initiation. Attention! If the Card Account Owner received an SMS on his/her mobile phone on cash withdrawal transaction and/or settlement operation in the trade and service network, which he/she didn’t perform, this may mean that the Holder had lost the Card, then it is necessary to block the Card immediately by calling the Bank’s Contact Center or via the i-Bank Remote Service System. This will make further cash withdrawal by fraudsters impossible. It is necessary to understand that PIN-code entry operations, which the Holder didn’t make, are treated as the ones approved by the Holder, and the responsibility for making such operations shall rest with the Holder. 4.15.5.2. Transaction was performed without request to the Bank (Authorization), if performance of such operation does not contradict regulatory documents and rules of Visa or MasterCard. The Holder shall be responsible for all the transactions performed in his/her Card Account and contested by him/her till the moment of complete investigation of the Bank into the essence of these transactions. The Holder shall be responsible for submission of reliable documents and personal data to the Bank necessary for verification of the Card Account Owner’s identity, the nature of activity, financial standing. The Holder shall be liable for all of his/her obligations to the Bank with all of his/her property. The Holder shall be responsible for utilization of the Card for the purposes in violation of the effective Legislation. The Holder shall be responsible for returning the Card to the Bank after the termination of its validity or if he/she refuses to keep using it. 14.15.6. Responsibility of the Bank: 4.15.6.1. The Bank shall bear responsibility for adhering to the Card blocking period specified in the Rules (provided that the Card Holder adheres to all the terms stipulated in the Rules). 4.15.6.2. The Bank shall not bear losses risk or held liable for:

- Non-delivery of SMS and/or Bank’s notification to the Card Account Owner if he/she failed to inform the Bank in time on change of mobile phone number and/or change of mailing address and in case of Card Account Owner’s refusal to receive any notification of the Bank when performing Card transaction (the Card Account Owner’s refusal to receive any notification of the Bank is deemed as the Card Account Owner’s failure to provide personal contact data to the Bank or failure to provide the Bank with a corresponding written application on refusal);

- Untimely delivery of SMS or its complete absence by the Mobile Phone Operator or change of internal policy of Mobile Phone Operator regarding SMS delivery operations to the mobile phone (coverage, roaming service, etc.).

4.15.6.3. The Bank shall not bear responsibility for: a) Actions or inactions of other persons which led to violation of the Customer’s or the Card Holder’s interests under the Agreement; б) Quality of goods and services purchased using the Card; в) Problems, failures in technical means beyond the Bank control; г) Occurrence of conflict situations beyond its control. 4.15.5. The Bank shall not bear responsibility for any risk occurring due to fluctuations of exchange rates when performing international payments and foreign currency transactions, such risk (responsibility) shall be borne solely by the Customer. 4.15.7. Responsibility of the Parties when making money transfers 4.15.7.1. It is forbidden to use the Card Account for performance of transactions related to performance of entrepreneurial activity if the Card Account was opened in the name of the private individual. 4.15.7.2. For unreasonable violation of periods of transfer amount entry by the Bank established by the Legislation the Bank shall pay penalty in amount of 0.1% of the past due payment amount for every day of delay, total amount of which cannot exceed 5% of the transfer amount. 4.15.7.3. In the event of erroneous transfer from the Customer’s Card Account which occurred due to the Bank’s fault, the Bank on the date when the error was identified shall transfer respective amount to the Customer’s Card Account according to procedures stipulated by the Legislation, the Agreement and the Rules. The Bank shall pay the Customer a penalty in amount of 0.1% of erroneously transferred amount for every day of delay in returning the transfer amount from the date of erroneous transfer to the date when such amount is returned to the Customer’s Card Account. Penalty amount under this clause of the Rules cannot exceed 10% of the erroneously transferred amount. 4.15.7.4. In case the Bank makes a money transfer from the Customer’s account without the reasons provided for by the Legislation at the initiative of the unauthorized withdrawer with violation of conditions of the Customer’s delegation (instructions) to perform Direct debit or due to other errors, such amounts shall be returned in line with procedures established by the Legislation and Rules. At that the Bank shall pay the Customer penalty in amount of 0.1% of the amount of such transfers for the performance of such transfers for the period from the date of their performance till the date when the amount of funds was returned to the account. Penalty amount cannot exceed 5% of the erroneously transferred amount. 4.15.7.5. If the Customer violates the period for returning the funds erroneously entered to the Card Account, the Customer shall pay the Bank a penalty in amount of 0.1% of the transfer amount erroneously entered to the account for each day of the past due but not more than 10% of the

28

transfer amount and shall reimburse inflicted damage which equals transfer amount in line with procedures provided for by the Legislation and the Rules. 4.15.7.6. In case the Bank is held liable for the violation of currency Legislation which occurred due to the Customer’s fault, the Customer shall reimburse the Bank inflicted damages in full and also pay the Bank penalty in amount of 120% of the effective discount rate of the NBU of the amount of losses for each day of delaying reimbursement of such losses. V. PECULIARITIES OF CURRENT AND DEPOSIT ACCOUNT USE 5.1. OPENING AND MAINTENANCE OF CUSTOMER CURRENT AND DEPOSIT ACCOUNTS 5.1.1. Under the Banking Service “Current” (non-card) Account of a Private Individual, the Bank shall accept and credit to the account opened for the Customer (the Account Owner) based on submitted Banking Service Application, cash funds transferred to him/her (if the Customer opens investment account – for carrying out investment activity in Ukraine), perform Customer’s instructions on transfer and disbursement of corresponding amounts from account (if the Customer opens investment account for return of foreign investment, profit, income, other funds received by the Customer from investment activity in Ukraine) and perform other transactions on account. 5.1.1.1. The Bank is entitled to use funds on Customer’s account ensuring his/her right to use these funds without delay and restriction. 5.1.1.2. The Bank is not allowed to determine and control the ways of Customer’s funds utilization and to set the different ones not stipulated by the Agreement or the current legislation, to restrict the right of using the funds at Customer’s own discretion. 5.1.1.3. Attraction/return of funds by the Bank of allocated/withdrawn funds by the Customer is confirmed by the account statement and documents certifying the entry/crediting/withdrawal of amount of money to/from account (slip from cash transfer instruction, cash transfer order, etc.). The mentioned statement and/or slip is given to the Customer after being signed by the Bank’s authorized person and sealed with the Bank’s stamp. 5.1.1.4. Withdrawal by the Customer of cash funds amounted to over UAH 50,000.00 or this amount equivalent in other currency according to the official hryvnia rate to other foreign currencies set by the NBU as of the date of application submission, is only possible if the Customer submits to the Bank an application on cash funds disbursement from the cash desk no later than 2 Business Days to the expected date of such receipt. 5.1.1.5. Under the Banking Service “Current” (non-card) Account of a Private Entrepreneur, the Bank shall accept and credit to the account opened for the Customer (the Account Owner) based on submitted Banking Service Application, cash funds transferred to him/, perform Customer’s instructions on transfer and disbursement of corresponding amounts from account other transactions on account. The Tariff package may be chosen by the person who is a private entrepreneur at his/her own discretion and depending on his/her heeds and set forth in the Tariffs. The Tariff package chosen by private entrepreneur shall be applied to all current accounts of this individual, opened according to the terms of the Agreement and the Rules. The Tariff package may be changed by signing the Application for Amendment of Terms of the Banking Service Use by the Parties. In such case, new Tariff package shall be applied as follows: (a) if the Application for Amendment of Terms of the Banking Service Use is signed within a period between the 27th and the last day of relevant calendar month (both dates inclusive) – from the date of this Application signature; and (б) if the Application for Amendment of Terms of the Banking Service Use is signed on any other day – from the 27th day of current calendar month when this Application is signed. Further change of the Tariff package shall be made according to the terms of the Rules. 5.1.2. Under the Banking Service of Banking Deposit Placement, the Bank, having accepted from the Depositor or in favor of the Depositor the cash amount (deposit), that has been received, shall pay to the Depositor the same amount and interest on it pursuant to the terms and procedure stipulated by the Agreement, the Banking Service Application and these Rules. 5.1.2.1. If the Banking Service provides for the replenishment option, the term “deposit” shall mean the cash funds, accounted on deposit account or other account for deposit accounting, including the amount of initial deposit and all deposit replenishment amounts with capitalized interest. 5.1.2.2. Raising by the Bank of the placed funds is confirmed by documents, testifying to entry/crediting of an amount of funds to deposit account or other account for deposit accounting: cash document, payment order, etc. Issuing to Customer of such document (in hard and\or electronic form) is deemed as adherence to the written form of the agreement on amending and supplementing the Agreement on deposit amount change in the meaning of Section 1 of Article 1059 of the Civil Code of Ukraine. 5.1.2.3. Enforced or Direct debit by the Bank of funds from the Deposit Account or other account for deposit accounting or Bank’s operations related to: (i) assignment of claim under the banking deposit agreement by the Depositor for the benefit of another resident person(s) who previously assigned respective claim under the banking deposit agreement; (ii) realization of property rights to the amount of money held on a deposit account in accordance with the pledge agreement – shall be considered equivalent to the early termination of the Agreement as far as it relates to the placement of deposit. In such a case the Bank shall close an account for deposit accounting and the balance thereof (if any) shall be transferred to the Depositor’d current account specified in the Banking Service Application. 5.1.2.4. If the terms of the Banking Service specify interest recalculation in case of early termination of the Agreement with regard to such Banking Service cancellation at other (reduced) interest rare, the Depositor entitles the Bank to deduce on its own the amount of deposit, that is being redeemed in advance, the difference between paid interest and interest, recalculated at such reduced interest rate on the day of deposit early redemption. 5.1.2.5. When a deposit is replenished by a wire transfer made by the Depositor and/or other individuals and the amount of replenishment exceeds the restriction on deposit established by the banking product, such amount shall not be accepted for deposit replenishment. The Depositor authorizes the Bank to credit such transfer amount in full to the Bank’s transit account, after that following the instruction of the Depositor to transfer funds to current account, specified in the Banking Service Application (or other Depositor’s account opened with the Bank), or to return funds to the transfer initiator. 5.1.2.6. Returning the deposit and repayment of accrued interest under the deposit shall be performed by means of their transferring to a current account specified by the Depositor in the Application on Banking Services provision or in the electronic Bank Deposit Agreement. 5.1.3. Under the Banking Service “Child” Deposit of a Private Individual, the Bank shall open a deposit account in the name or in favor of (depending on the option chosen by the Depositor in the Banking Service Application) Juvenile/Underage Individual, and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.3.1. Underage Individual (in the name of whom a legal Representative is acting), a Minor individual (in the name of who, a legal Representative is acting), a Minor individual (in person), or third parties may become the Depositor under the Banking Service “Child” Deposit of a Private Individual. 5.1.3.2. For using the deposit during the first settlement period (Customer year), which is equal to one year from the date (day) of the Agreement conclusion, the Bank accrues interest in amount specified in the Banking Service Application. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), annually on the next day following the full Customer year the Bank reviews the level of the interest rate. The deposit interest rate in the second and each following Customer year is set at the level

29

effective at the Bank as of the Banking Service “Child” Deposit of a Private Individual review in a relevant currency and with a relevant deposit amount without concluding of any additional agreements by the Parties and/or providing any additional documents. 5.1.3.3. Information on interest rate acting in the Bank may be obtained by the Depositor via the Internet (at the Official Website of the Bank), at the information desks in the Bank’s operational areas, or by calling to the Contact Center of the Bank and/or operating area of any Bank’s entity. 5.1.3.4. In the event of the Customer’s disagreement on the interest rate determined according Clause 5.1.3.2. hereof or by any means contests its level, he/she has the right to terminate the Agreement before the maturity with regard to rendering the Banking Service “Child” Deposit of a Private Individual by submitting the Banking Service Cancellation Application. With that, the Bank shall perform interest recalculation accrued on the deposit following the procedure and at the interest rate specified in the Banking Service Application. In other case, the level of the interest rate set for every next Customer year is deemed as accepted by the Customer. 5.1.3.5. Accrued interest is paid to Customer every year on the day of each Customer year end, as well as on the deposit redemption date. 5.1.3.6. Full or partial deposit redemption before maturity, specified in the Banking Service Application, shall be treated as termination of the Agreement before the maturity in terms of rendering the Banking Service “Child” Deposit of a Private Individual at the Depositor’s initiative, with a corresponding interest recalculation in the manner set forth in Clause 5.1.3.7. hereof. The interest shall be recalculated in cases when the Bank debits funds from deposit account by force or following the direct debit procedure, or when the Bank performs transactions related to sale of property rights on deposit. 5.1.3.7. The Depositor shall inform the Bank of termination of the Agreement before the maturity in terms of rendering the Banking Service “Child” Deposit of a Private Individual not later than 2 Business Days before the expected date of such termination by submitting to the Bank the Banking Service Cancellation Application in 2 (two) copies. With that, interest accrued during the whole life of the Banking Service shall be recalculated and paid at the interest rate specified in the Banking Service application for early deposit redemption at the Depositor’s (Customer’s) initiative. 5.1.3.8. If the deposit was placed by the Representative in Law in the name of the Juvenile, the Representative in Law shall dispose of the deposit before the Individual, in whose name the deposit was placed, attains the age of 14 years. After the Individual, in whose name the deposit was placed, during the period of rendering the Banking Service “Child” Deposit of a Private Individual, attains the age of 14 years, the Bank is entitled to refuse to the Representative in Law in disposing of the deposit account and to block such account. 5.1.3.9. If the deposit is placed by the Representative in Law in the name of the Juvenile or Underage Individual, the Representative in Law shall inform the Juvenile or the Underage Individual on conclusion of the Agreement to his/her name having provided him/her with the name of the Bank, address of Agreement conclusion, etc. 5.1.3.10. The Underage Individual shall dispose of funds placed on deposit account to his/her name by other individuals on condition of obtaining consent of guardianship and custodianship agency and parents (foster parents) or care-giver. 5.1.4. Under the Banking Service “Savings” Deposit of a Private Individual, the Bank shall open a current account, on the terms of demand deposit, in the name of the Depositor or a third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.4.1. The Bank shall accrue and pay monthly interest to the Depositor for the deposit utilization, in amount specified in the Banking Service Application. 5.1.4.2. The accrued interest shall be paid to the Depositor on the first Business Day of the month following the settlement month by crediting it to the deposit account thereby increasing the deposit amount, and on the day of the deposit redemption. 5.1.4.3. The Depositor gives the Bank its consent to establish new or change the current interest rate and/or interest rate grid, indicated in the Banking Service Application, at least 15 days prior to the new interest rate establishment and/or change of the interest rate grid. Notification of changes shall be provided to the Depositor by placing them at the information desks at the Bank’s entities, or deposit account statement, or in the national mass media, or at the Official Website of the Bank, or personally, or in any other way as chosen by the Bank. 5.1.4.4. During the whole life of the Banking Service, the Depositor shall ensure the availability of the minimum balance on deposit account in amount specified in the Banking Service Application. The minimum balance of funds shall be returned to the Depositor after termination of the Agreement with regard to rendering the Banking Service “Savings” Deposit of a Private Individual. 5.1.4.5. The Depositor is entitled to partially withdraw funds from the deposit amount being placed in fact on the deposit account in amount above the minimum balance of funds by receiving the corresponding amount of funds via the operational cash desk of the Bank by cash or by transferring funds from deposit account to Depositor’s current account, specified in the Banking Service Application. 5.1.4.6. Partial redemption of deposit at demand of the Depositor, as a result of which the actual deposit amount to remain on deposit account is below the minimum balance, shall be treated as termination of the Agreement before the maturity with regard to rendering the Banking Service “Savings” Deposit of a Private Individual at the Depositor’s initiative. In such case, interest shall be accrued and paid at the rate valid according to the terms of the Agreement during the period of the Banking service rendering. 5.1.4.7. The Depositor shall inform the Bank of premature termination of the Agreement with regard to rendering the Banking Service “Savings” Deposit of a Private Individual not later than 2 Business Days before the expected date of such termination by submitting to the Bank the Banking Service Cancellation Application in 2 copies. 5.1.4.8. Withdrawal by the Depositor of cash funds amounting to above UAH 50,000.00 or this amount equivalent in other currency according to the official exchange rate of hryvnia to other foreign currencies set by the NBU as of the date of application submission, is possible only if the Depositor submits to the Bank an application on cash funds disbursement from the cash desk no later than 2 Business Days to the expected date of such withdrawal. 5.1.4.9. Starting from February 25, 2019, the Bank will charge a fee for servicing accounts opened under the Banking Service “Savings” Deposit of a Private Individual in euro at the expense of funds in the account of the above deposit within time limits and under conditions established in the Tariffs. In such a case, it is acceptable that the Bank performs debit of funds from the deposit account, even if as a result of which the actual deposit amount to remain on deposit account is below the minimum balance. The Bank shall close the “Savings” Deposit account in euro in case of zero balance on this account. 5.1.5. Under the Banking Service “Savings” Deposit of a Private Individual (Salary and Loan Project)” the Bank shall open, under the terms and conditions of an on-demand deposit, a current account in the name of the Depositor, and the Depositor shall place funds in such account in cash and/or cashless form in amount and for the period specified in the Banking Service Application. 5.1.5.1. The Bank shall accrue and pay interest on deposit to the Depositor in amount specified in the Banking Service Application on a monthly basis.

30

5.1.5.2. Accrued interest is paid to the Depositor on the first Business Day of the month following the settlement month by transferring it to the deposit account thus increasing the amount of deposit, and on the day of deposit redemption. 5.1.5.3. The Depositor gives his/her consent for the Bank to establish new or change the existing interest rate and/or interest rate grid specified in the Banking Service Application at least 15 calendar days prior to the date when the new interest rate is introduced/grid is changed. Notice of changes is given to the Depositor by means of its placement at the information stands in the Bank entities, or in the deposit account statement, or in the nation-wide mass media, or on the official website of the Bank, or in person, or in some other way at the discretion of the Bank. 5.1.5.4. The Depositor has the right to partially withdraw funds from the deposit available in the deposit account by getting a relevant amount of funds via the operating cash office of the Bank in cash or by a wire transfer from the deposit account to the current account of the Depositor specified in the Banking Service Application. 5.1.5.5. The Depositor should notify the Bank at least 2 Business Days prior to the cancellation of the Agreement in part of provision of the Banking Service “Savings” Deposit of a Private Individual (Salary and Loan Project)” by submitting 2 copies of the Banking Service Cancellation Application to the Bank. 5.1.5.6. The Depositor can withdraw cash in amount exceeding UAH 50,000.00 from the account only upon submitting to the Bank the Application for Receiving Cash from the cash office of the Bank at least 2 Business Days prior to the scheduled date of such withdrawal. 5.1.5.7. The Bank shall have the right to unilaterally close the Deposit Account if no transaction were performed in account during 1 year running from the date of the account opening date/date of the last transaction in account (other than transactions on payment of interest accrued on this account balance by the Bank) provided that there is no balance in this account. Attention! Clauses 5.1.6. – 5.1.8. (with sub clauses) of the Rules shall only apply to the Banking Service Applications executed on or before 27.04.2016 inclusive: 5.1.6. Under the Banking Service “Accumulative” Deposit of a Private Individual, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.6.1. The term of deposit placement may be automatically extended following the procedure and terms, specified by the Rules and the Banking Service Application. 5.1.6.2. For the deposit utilization, the Bank shall accrue interest to the Depositor in amount specified in the Banking Service Application, on a monthly basis. 5.1.6.3. Accrued interest shall be paid to the Depositor on the date of redemption/new date of deposit redemption. 5.1.6.4. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level valid at the Bank as of the day of the corresponding extension under the Banking Service “Accumulative” Deposit of a Private Individual in a relevant currency and with a relevant deposit amount without concluding any additional agreements by the Parties and/or providing any additional documents. 5.1.6.5. The Depositor may obtain the information on interest rates valid at the Bank via the Internet (at the Official Website of the Bank), at the information desks in the Bank’s customer areas, or by calling to the Contact Center of the Bank and/or customer area of any entity of the Bank. 5.1.6.6. If the Depositor disagrees with the interest rate determined according to Clause 5.1.6.4. hereof or by any means challenges its level, he/she shall have the right to terminate the Agreement before the maturity with regard to rendering the Banking Service “Accumulative” Deposit of a Private Individual by submitting the Banking Service Cancellation Application. With that, the Bank shall recalculate the interest accrued on the deposit after the date of the latest extension of its term following the procedure and at the interest rate specified in the Banking Service Application. In other case, the level of the interest rate set for the extended deposit shall be deemed as accepted by the Depositor. 5.1.6.7. Full or partial deposit redemption before maturity, specified in the Banking Service Application, shall be treated as termination of the Agreement before the maturity with regard to rendering the Banking Service “Accumulative” Deposit of a Private Individual at the Depositor’s initiative, with a corresponding interest recalculation in the manner set forth in Clause 5.1.6.8. hereof. The interest shall not be recalculated in cases when the Bank debits funds from deposit account by force or following the direct debit procedure, or when the Bank performs transactions related to sale of ownership rights on deposit. 5.1.6.8. The Depositor shall inform the Bank of termination of the Agreement before the maturity with regard to rendering Banking Service “Accumulative” Deposit of a Private Individual at least 2 days (and in case when the Depositor pledged property rights under the Agreement to the Bank (receivables under the deposit account) to secure fulfillment of obligations to the Bank by the Depositor or other individuals at least 10 Business Days) before the expected date of such termination by submitting 2 copies of the Banking Service Cancellation Application to the Bank. With that, interest accrued during the entire validity of the Banking Service shall be recalculated and paid at the interest rate specified in the Banking Service application for early deposit redemption at the Depositor’s (Customer’s) initiative. 5.1.7. Under the Banking Service “Term” Deposit of a Private Individual, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.7.1. The term deposit placement may be automatically extended following the procedure and terms, specified by the Rules and the Banking Service Application. 5.1.7.2. For the deposit utilization, the Bank shall accrue interest to the Depositor in amount specified in the Banking Service Application, on a monthly basis. 5.1.7.3. Accrued interest shall be paid to the Depositor on the first Business Day of the month following the settlement month and on the day of the deposit redemption. 5.1.7.4. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level/based on a grid acting at the Bank as of the day of the corresponding extension under the Banking Service “Term” Deposit of a Private Individual in a relevant currency and with a relevant deposit amount without concluding of any additional agreements by the Parties and/or providing any additional documents. 5.1.7.5. The Depositor may obtain the information on the interest rates acting in the Bank via the Internet (on the Official Website of the Bank), at the information desks in the Bank’s customer areas, or by calling to the Contact Center of the Bank and/or customer area of any Bank’s entity. 5.1.7.6. If the Depositor disagrees on the interest rate determined according to Clause 5.1.7.4. hereof or by any means challenges its level, he/she has the right to terminate the Agreement before the maturity with regard to rendering the Banking Service “Term” Deposit of a Private Individual by

31

submitting the Banking Service Cancellation Application. With that, the Bank shall perform recalculation of interest accrued on the deposit after the date of the latest extension of its term following the procedure and at the interest rate specified in the Banking Service Application. In other case, the level of the interest rate set for the extended deposit is deemed as accepted by the Depositor. 5.1.7.7. Full or partial deposit redemption before maturity/new date of maturity shall be treated as termination of the Agreement before the maturity with regard to rendering the Banking Service “Term” Deposit of a Private Individual at the Depositor’s initiative, with a corresponding interest recalculation in the manner set forth in Clause 5.1.7.8. hereof. The interest shall not be recalculated in cases when the Bank debits funds from deposit account by force or following the direct debit procedure, or when the Bank performs transactions related to sale of ownership rights to a deposit. 5.1.7.8. The Depositor shall inform the Bank of termination of the Agreement before the maturity with regard to rendering Banking Service “Term” Deposit of a Private Individual at least 2 (two) days, and in cases when the Depositor pledged property rights under the Agreement to the Bank (receivables under the deposit account) to secure fulfillment of obligations to the Bank by the Depositor or other individuals at least 10 (ten) Business Days before the expected date of such termination by submitting 2 copies of the Banking Service Cancellation Application to the Bank. With that, interest accrued during the entire validity of the Banking Service shall be recalculated and paid at the interest rate specified in the Banking Service application for early deposit redemption at the Depositor’s (Customer’s) initiative. 5.1.8. Under the Banking Service “Monthly Income” Deposit of a Private Individual”, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds in such account in cash and/or cashless form in amount and for the period specified in the Banking Service Application. 5.1.8.1. The period of deposit may be automatically extended following the procedure and under the terms and conditions specified in the Rules and the Banking Service Application. 5.1.8.2. The Bank shall accrue and pay interest on deposit to the Depositor in amount specified in the Banking Service Application on a monthly basis. 5.1.8.3. Accrued interest shall be paid to the Depositor on the first Business Day of the month following the settlement month and on the day of the deposit redemption. 5.1.8.4. Taking into account the money market situation in Ukraine (NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level effective at the Bank as of the day of the corresponding extension under the Banking Service “Monthly Income” Deposit of a Private Individual” in a relevant currency, for a relevant period and with a relevant deposit amount without concluding any additional agreements by the Parties and/or providing any additional documents. 5.1.8.5. The Depositor can get information on the interest rates effective in the Bank via the Internet (on the Official Website of the Bank), at the information stands in the Bank’s customer areas, or by addressing the Contact Center of the Bank and/or customer area of any entity of the Bank. 5.1.8.6. If the Depositor disagrees with the interest rate fixed according to Clause 5.1.8.4. hereof or by any means contests its level, he/she has the right to terminate the Agreement before the maturity in part of Banking Service “Monthly Income” Deposit of a Private Individual” provision by submitting the Banking Service Cancellation Application. At that, the Bank will recalculate interest accrued on the deposit after the date of the latest validity extension according to the procedures and using the interest rate specified in the Banking Service Application. Otherwise, the level of the interest rate set for the extended deposit shall be deemed accepted by the Customer. 5.1.8.7. Full or partial deposit redemption before maturity/new date of maturity shall be treated as termination of the Agreement before maturity with regard to rendering Banking Service “Monthly Income” Deposit of a Private Individual” at the Depositor’s initiative, with a corresponding interest recalculation in the manner set forth in Clause 5.1.8.8. hereof. The interest shall not be recalculated in cases when the Bank directly debits funds from the deposit account under either enforcement or direct debit procedure; or when the Bank performs transactions related to sale of property rights to a deposit. 5.1.8.8. The Depositor shall inform the Bank of termination of the Agreement before the maturity with regard to rendering Banking Service “Monthly Income” Deposit of a Private Individual” at least 2 (two) days, and in cases when the Depositor pledged property rights under the Agreement to the Bank (receivables under the deposit account) to secure fulfillment of obligations to the Bank by the Depositor or other individuals at least 10 (ten) Business Days before the expected date of such termination by submitting 2 copies of the Banking Service Cancellation Application to the Bank. With that, interest accrued during the entire validity of the Banking Service shall be recalculated and paid at the interest rate specified in the Banking Service application for early deposit redemption at the Depositor’s (Customer’s) initiative. Attention! Clauses 5.1.9. – 5.1.12. (with sub clauses) of the Rules shall only apply to the Banking Service Applications executed starting from 28.04.2016: 5.1.9. Under the Banking Service “Accumulative” Deposit of a Private Individual, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. If a Banking Deposit Agreement is concluded in an electronic form via the i-Bank remote service system (hereinafter – IB RSS) or via the Payment Application “CA+”, the Depositor shall place funds on the Deposit account only in cashless form in the amount and for the period set by him/her individually when placing a deposit. 5.1.9.1. The term of deposit placement may be automatically extended. The Depositor can take advantage of the possibility of automatic deposit extension: a) directly upon placing the deposit during the execution of the Application for the provision of the Banking service; b) during the term of deposit by means of executing an Application for the provision of “Automatic deposit extension” banking service; c) by selecting respective options on the screen forms of the transaction (if the Bank Deposit Agreement is concluded in an electronic form via IB RSS). Automatic deposit extension shall be cancelled on the basis of a written Request of the depositor on refusal from automatic deposit extension (or by means of selection respective options on the screen forms of the transaction (if the Bank Deposit Agreement is concluded in an electronic form via IB RSS). 5.1.9.2. For the deposit utilization, the Bank shall accrue interest to the Depositor in amount specified in the Banking Service Application / electronic Bank Deposit Agreement on a monthly basis. 5.1.9.3. The interest accrued shall be paid to the Depositor on the date of redemption/new date of deposit redemption. 5.1.9.4. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level valid at the Bank as of the day of the corresponding extension under the

32

Banking Service “Accumulative” Deposit of a Private Individual in a relevant currency and with a relevant deposit amount without concluding any additional agreements by the Parties and/or providing any additional documents. 5.1.9.5. The Depositor may obtain the information on the interest rates valid at the Bank via the Internet (at the Official Website of the Bank), at the information desks in the Bank’s customer areas, or by calling to the Contact Center of the Bank and/or customer area of any entity of the Bank. 5.1.9.6. Deposit with the right of replenishment during the term of its placement, except for the last months of the term, according to the table:

Deposit term / Automatically extended (prolonged) deposit, months Prohibition to replenish, last months

3 (three) 1 (one)

6 (six) 2 (two)

12 (twelve) 4 (four)

15 (fifteen) 5 (five)

18 (eighteen) 6 (six)

5.1.9.7. Upon replenishment of the deposit, the balance on the deposit account after such replenishment / accrual shall not exceed the amount indicated in the Application for Banking Services / electronic Bank Deposit Agreement. 5.1.9.8. Full or partial deposit redemption before maturity/new redemption date shall be prohibited. 5.1.10. Under the Banking Service “Prospect” Deposit of a Private Individual”, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.10.1. For the deposit utilization, the Bank shall accrue interest to the Depositor in amount (under the scale) specified in the Banking Service Application on a monthly basis. 5.1.10.2. Accrued interest shall be paid to the Depositor on the first business day of a month following the calculation month and on the day of the deposit redemption by transferring it to the current account specified in the Banking Service Application by the Depositor. 5.1.10.3. The term of deposit placement may not be automatically extended (prolonged). 5.1.10.4. Full or partial deposit redemption before maturity shall be treated as premature termination of the Agreement in terms of rendering the Banking Service “Prospect” Deposit of a Private Individual” upon the Depositor’s initiative with relevant recalculation of interest under the clause 5.1.10.5. of the Rules. The interest shall not be recalculated in case of the Bank’s enforced or direct debiting of the deposit account or transactions related to proprietary rights to the deposit performed by the Bank. 5.1.10.5. The Depositor shall inform the Bank of termination of the Agreement before the maturity with regard to rendering Banking Service “Prospect” Deposit of a Private Individual” at least 2 (two) days, and in cases when the Depositor pledged property rights under the Agreement to the Bank (receivables under the deposit account) to secure fulfillment of obligations to the Bank by the Depositor or other individuals at least 10 (ten) Business Days before the expected date of such termination by submitting 2 copies of the Banking Service Cancellation Application to the Bank. With that, interest accrued during the entire validity of the Banking Service shall be recalculated and paid at the interest rate (scale) specified in the Banking Service application for early deposit redemption at the Depositor’s (Customer’s) initiative. 5.1.11. Under the Banking Service “Term” Deposit of a Private Individual” (without the right of early termination of deposit), the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds on such account in cash and/or cashless form in amount and for the term specified in the Banking Service Application. 5.1.11.1. The term of deposit placement may be automatically extended following the procedure and terms, specified by the Rules and the Banking Service Application. 5.1.11.2. For the deposit utilization, the Bank shall accrue interest to the Depositor in amount specified in the Banking Service Application on a monthly basis. 5.1.11.3. Accrued interest shall be paid to the Depositor on the day of the deposit redemption/new date of redemption. 5.1.11.4. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level valid at the Bank as of the day of the corresponding extension under the Banking Service “Term” Deposit of a Private Individual in a relevant currency and with a relevant deposit term and amount without concluding any additional agreements by the Parties and/or providing any additional documents. 5.1.11.5. The Depositor can get information on the interest rates effective in the Bank via the Internet (on the Official Website of the Bank), at the information stands in the Bank’s customer areas, or by addressing the Contact Center of the Bank and/or customer area of any entity of the Bank. 5.1.11.6. Full or partial deposit redemption before maturity/new date of maturity shall be prohibited. 5.1.12. Under the Banking Service “Monthly Income” Deposit of a Private Individual”, the Bank shall open a deposit account in the name of the Depositor or the third party (depending on the option chosen by the Depositor in the Banking Service Application), and the Depositor shall place funds in such account in cash and/or cashless form in amount and for the period specified in the Banking Service Application. 5.1.12.1. The period of deposit may be automatically extended following the procedure and under the terms and conditions specified in the Rules and the Banking Service Application. 5.1.12.2. The Bank shall accrue interest on deposit to the Depositor in amount specified in the Banking Service Application on a monthly basis. 5.1.12.3. Accrued interest shall be paid to the Depositor on the first Business Day of the month following the settlement month and on the day of the deposit redemption. 5.1.12.4. Taking into account the money market situation in Ukraine (the NBU reference rate level, interest rates on the financial market of Ukraine, etc.), the interest rate on the extended deposit shall be set at the level effective at the Bank as of the day of the corresponding extension under the Banking Service “Monthly Income” Deposit of a Private Individual” in a relevant currency, for a relevant period and with a relevant deposit amount without concluding any additional agreements by the Parties and/or providing any additional documents. 5.1.12.5. The Depositor can get information on the interest rates effective at the Bank via the Internet (on the Official Website of the Bank), at the information stands in the Bank’s customer areas, or by addressing the Contact Center of the Bank and/or customer area of any Bank’s entity. 5.1.12.6. Full or partial deposit redemption before maturity/new date of maturity shall be prohibited. 5.1.13. The mode of accounts opened to the Customers by the Bank according to the Agreement (the Banking Service Application) shall be set in compliance with the current Legislation.

33

5.1.13.1. All payment and cash transactions not connected with any business activities under UAH current accounts of resident private individuals are performed in the line with the Agreement and the Legislation. It is prohibited to make transfers of funds from such accounts to accounts of non-resident private individuals, except for transfers to the following accounts: 1) Investment accounts; 2) Accounts of non-resident private individuals if the Debtor who is resident private individual voluntarily executes the court decision or decisions of other authorities (officials) which are subject to compulsory execution; 3) Accounts of non-resident private individuals if they sell own property on the territory of Ukraine to resident private individual provided that this property is not a foreign investment in Ukraine, as well as lease out thereof; 4) Accounts opened as to non-resident private individual in the amount of account balance of this resident private individual to whose passport of the Ukrainian citizen/ passport of the Ukrainian citizen for travelling abroad a data on formalizing the departure abroad for full-time residence (due to the closure of this account of resident private individual) was included by attaching a stamp/entering into the contactless electronic media; 5) Accounts of non-resident private individuals if resident private individual repays a loan/reimbursable financial assistance under the loan agreement with non-resident (including interest and other payments related to the loan servicing, established by the agreement). 5.1.13.2. The following transactions are performed in current accounts of non-resident private individuals in the national currency: 1) Labor remuneration, government subsidy and social allowances paid with the funds from of national compulsory social insurance funds; and benefits to employees, reimbursement of own funds expenses incurred during business trips, royalty, bonuses, prizes received from resident legal entity and representative office of a non-resident legal entity (including cash funds received in Ukraine as a royalty provided subject to showing the copyright agreement (agreement on transfer of right to use work); 2) Income (revenue) received from entrepreneurial activity on the territory of Ukraine transferred from own current account opened for carrying out entrepreneurial activity upon payment of taxes, levies and other payments provided for by the Law; 3) The ones compensated/indemnified by the Deposit Insurance Fund (hereinafter – the Funds) of the Fund’s authorized person during the liquidation of the Bank; 4) Compensation of damage caused to employees as a result of an injury; 5) Funds from sale of own property on the territory of Ukraine, provided that this property is not a foreign investment in Ukraine, as well as lease out thereof; 51) Receipt of dividends under corporate rights, interest income under securities, and other income (profit) from items of property in Ukraine which are not accosiated with alienation, sale, liquidation, reduction of registered capital; 6) Funds received under procedure of inheritance; 7) Crediting/transferring of funds received upon the court decision or decision of other authorities (officials) which are subject to compulsory execution; 8) Transferring amounts as reimbursement of costs to court, investigation, notary, and other authorized authorities; 9) Funds related to taxes and charges payment and returned amounts of overpaid taxes and charges; 10) Funds related to payment of membership fees, insurance payments (instalments, premiums), as well as receipt of insurance compensation (reimbursement); 11) Crediting/transferring of funds from own current and deposit accounts opened for personal purposes (including receiving of total interest accrued on balances of own current and deposit accounts); 12) Transferred from/to own investment accounts; 13) Transferred from current account of other non-resident private individual; 14) Transferred to current or deposit account of other private individual; 15) Transactions on sale of foreign currency valuables; 16) Transactions with national currency and cheques; 17) Crediting/transferring of funds previously credited/transferred by mistake (in excess). Such funds may be credited/transferred to this account in the amount not exceeding the previously credited/transferred amount; 18) Related to placement/withdrawal of funds which were previously placed in banks on terms of subordinated debt and which are carried in the capital of a bank; 19) Transferring of charitable contribution to current account of a charity organization; 20) Related to savings (deposit) certificate of a bank with which such account is opened, as well as transactions on repayment of inherited savings (deposit) certificates and interests thereunder; 21) Receiving of funds under deed of gift; 22) Related to payment of rental payments, for the goods, received services and works on the territory of Ukraine; 23) Receiving of funds in the result of termination of legal entities; 24) Related to provision of reimbursable financial assistance to residents and reimbursement thereof; 25) Crediting of funds transferred by resident towards loan repayment under the loan agreement between resident borrower and non-resident (including interest and other payments related to the loan servicing established by the agreement); 26) Receiving of consumer loans on the territory of Ukraine and repayment thereof (including interest and other payments related to the consumer loan servicing established by the agreement); 27) Related to sale/purchase of securities issued by foreign issuers, which circulate on the territory of Ukraine; 28) Crediting of account balance of this resident private individual to whose passport of the Ukrainian citizen/ passport of the Ukrainian citizen for travelling abroad a data on formalizing the departure abroad for full-time residence (was included by attaching a stamp/entering into the contactless electronic media due to the closure of this account of resident private individual); 29) Crediting of funds received by the Card Account Owner in result of sale of his/her securities, real estate, corporate rights and other items of property in Ukraine, which do not have a status of foreign investment objects for the Card Account Owner, as well as receipt of income, profit, and other funds from such objects by the Card Account Owner. 5.1.13.3. The investment account of a foreign investor in national currency can be used in line with the Ukrainian law for the following purposes: 1) Foreign investments in Ukraine, returning of foreign investments, income, revenues and other funds received by foreign investor from investment activity in Ukraine;

34

2) Foreign exchange trade; 3) Crediting/transferring of funds from/to foreign investor’s other account(s) in Ukraine/abroad; 4) Crediting of funds transferred from abroad/current accounts in Ukraine by other non-residents upon instructions of the investment account owner to perform transactions related to his/her investment activity in Ukraine; 5) Transactions on crediting of funds from deposit account of other foreign investor with the Ukrainian bank performed due to the assignment of claims for deposit and interest thereon under deposit agreement by this foreign investor in favor of the investment account owner; 6) Crediting with interest accrued on own investment account balance; 7) Crediting of previously transferred from this account by mistake by the investor; 8) Settlements with customs, tax and other authorities in cases provided for by the Ukrainian law; 9) Settlements with residents (securities market traders, appraising entities, notaries, agents, commissioners, other residents/non-residents) for the goods (products, services, works), which relate to performance/returning of foreign investments, including maintaining (servicing) of investment projects in Ukraine; 10) Payment for services of the Ukrainian bank which maintains the account; 11) Returning of funds received by mistake; 12) Transactions under loan agreement/other kinds of agreements, which stipulate for bank’s providing UAH funds to non-resident for procurement of domestic government bonds of Ukraine by such non-resident and due date of repayment of such funds is within 14 business days from the date of provision of UAH funds. 13) Crediting of funds transferred from a correspondent account of a foreign depository bank having a securitities account with the National Bank, opened with Ukrainian bank. 5.1.13.4. The investment account of a foreign investor in foreign currency can be used in line with the Ukrainian law for the following purposes: 1) Foreign investments in Ukraine, returning of foreign investments, income, revenues and other funds received by foreign investor from investment activity in Ukraine; 2) Foreign exchange trade; 3) Crediting/transferring of funds from/to foreign investor’s other account(s) in Ukraine/abroad; 4) Crediting of funds transferred from abroad/current accounts in Ukraine by other non-residents upon instructions of the investment account owner to perform transactions related to his/her investment activity in Ukraine; 5) Transactions on crediting of funds from deposit account of other foreign investor with the Ukrainian bank performed due to the assignment of claims for deposit and interest thereon under deposit agreement by this foreign investor in favor of the investment account owner; 6) Crediting with interest accrued on own investment account balance; 7) Crediting of previously transferred from this account by mistake by the investor; 8) Settlements with customs authorities in cases provided for by the Ukrainian law; 9) Returning of funds received by mistake. 5.1.14. The procedure of current and deposit accounts opening is regulated by the Legislation. 5.1.15. The Bank shall service current and/or deposit accounts of the Customer/Depositor, make wire transfers from/to the accounts using payment instruments and credit funds on them under the terms and conditions set forth in the Agreement, the Legislation, regulatory and legal acts of the NBU, as well as the Tariffs of the Bank. 5.1.16. If the Customer submits documents drawn up in violation of the requirements under the Legislation, regulatory and legal acts of the NBU and/or internal regulatory documents of the Bank/Credit Agricole Group, the Bank reserves the right to refuse to perform settlement transactions for the Customer, provided the grounds are relevant under the current Legislation. 5.1.17. The term for provision of the Banking Service “Current (non-card) Account of a Private Individual” and Banking Services of banking deposit placement is determined by the provisions of the Agreement/ Banking Service Application. 5.1.18. If the product conditions stipulate an automatic validity extension option, unless the Depositor addresses the Bank at least 1 Business day prior to deposit redemption or new date of redemption determined in line with the terms and conditions hereof with a written application for redemption of such deposit on the redemption date (new date of redemption) or refuses from the automatic deposit extension (prolongation) by selecting respective options in the screen forms of a transaction (if a Bank Deposit Agreement is concluded in an electronic form via IB SSR), validity of such deposit will be deemed automatically extended for the same period and under the same terms and conditions laid down in the Agreement/Banking Service Application. In this case the deposit term is deemed automatically extended and does not require the parties to enter into any additional agreements thereto whatsoever and the deposit becomes redeemable on the date of the last (or in case this date falls for a week-end, a holiday or a day-off – on the next) day of validity period for which such deposit was extended (new date of redemption). Number of automatic validity period extensions is unlimited. If the Depositor refuses from the automatic extension of deposit no later than 1 (Business Day prior to the date of deposit redemption/new date of redemption, the Bank shall redeem the deposit on the date of redemption (new date of redemption) by transferring the amount of deposit to the account specified in the Banking Service Application / electronic Bank Deposit Agreement 5.1.19. The Customer may replenish his/her current account according to the established procedures via the cash desks of the banks and by transferring funds from the other own accounts, at the expense of a granted loan, of interest accrued on the balance of funds in the current account, as well as from the accounts of the other private individuals and legal entities under their instructions in line with the provisions of the Legislation (including salary, fee, pension, advances and business trip allowance, etc.). 5.1.20. The Depositor may replenish his/her deposit account or account for deposit accounting according to the established procedures via the cash desks of the banks and by transferring funds from the other own current or deposit accounts, at the expense of interest accrued on the balance of funds in the deposit account. Funds received from the third party in favor of the Depositor may be entered to his/her deposit account/ account for deposit accounting, unless otherwise expressly stipulated in the Agreement/Banking Service Application. With that, the Depositor being the account owner is deemed to have consented to receive cash funds from the third party having provided such third party with necessary details of his/her deposit account or other account for deposit accounting unless otherwise stipulated by the Legislation. 5.1.21. Settlement documents denominated in hryvnia received within Operational hours are executed during the Operational day when they were received, with the Settlement date falling for this very day, unless otherwise provided by the Settlement document. Settlement documents denominated in hryvnia received from the Customer after Operational hours are executed on the next Operational day after receipt of such settlement documents with the Settlement date falling for the next Operational day. Settlement documents denominated in foreign currency received before

35

14:00 are executed on the day of receipt, the Settlement date for payments in US dollars falling for the next Business day at the latest, in other foreign currencies – for the next Business day. Settlement documents denominated in foreign currency received after 14:00 are executed during the next Operational day, the settlement date for payments in US dollars falling on the Operational day which is the next after the date of execution, for other currencies – the Business day which is the next after the date of execution. This procedure for execution of the Settlement documents in foreign currency shall be applied only provided the following conditions are simultaneously observed: (i) there is a sufficient amount in foreign currency on the Customer’s current account at the beginning of the Operational day when such Settlement document is executed; (ii) the complete package of documents for the Settlement document execution according to the requirements of the Legislation; (iii) transaction initiated by submission of the Settlement document is not a Transaction under supervision. The deadlines for execution of the Settlement documents denominated in hryvnia and foreign currency upon which the Transactions under supervision are initiated are provided in Annex 1 hereto. 5.1.22. The right of the Bank to postpone execution of the Settlement document/crediting of funds to the account by certain types of operations: 5.1.22.1. For the purpose of currency supervision over the compliance of the resident Customer’s transactions involving transfer of funds from his/her current account in the national currency to non-resident’s current account opened with bank, the Bank shall have the right to preliminarily credit these funds in UAH to the account 1919 (where appropriate). The Bank shall transfer funds from account 1919 in favor of non-resident if the Customer (payer) provides the Bank with documents (information) evidencing the lawfulness of the payment. The Bank shall return funds to the current account of the Customer (payer) within 3 business days after the date of the payment initiation, if these documents (information) are not available to the Bank. 5.1.22.2. For the purpose of currency supervision over the resident Customer’s transactions in the national currency with non-residents the Bank shall have the right to preliminarily credit the funds in UAH (where appropriate) transferred to the resident Customers’ current accounts from non-residents’ current accounts opened with banks to account 2622. The Bank shall transfer funds from account 2622 to the current account of the resident Customer if the Customer (payee) provides the Bank with documents (information) confirming the compliance of transaction in the national currency with the requirements of law. The Bank shall return funds to the payer if these documents (information) are not available to the Bank. Period for accounting the funds in UAH received in favor of the resident Customer in the account 2622 cannot exceed 3 business days (excluding the value date of this account). 5.1.22.3. For the purpose of currency supervision over the non-resident Customers’ transactions in the national currency the Bank shall have the right to preliminarily credit the funds in UAH (where appropriate) transferred to the non-resident Customers’ current accounts to account 2909. The Bank shall transfer funds from account 2909 to the current account of the non-resident Customer if the Customer (payee) provides the Bank with documents (information) confirming the compliance of transaction in the national currency with the requirements of law. The Bank shall return funds to the payer if these documents (information) are not available to the Bank. Period for accounting the funds in UAH received in favor of the non-resident Customer in the account 2909 cannot exceed 3 business days (excluding the value date of this account). 5.1.23. By signing the Agreement, the Banking Service Application and learning the Rules, the Customer refuse to have his/her pension and monetary aid delivered to his/her home and agrees to receive such amounts directly from the account according to the procedures and in a manner specified in the Legislation. 5.1.24. In case of the Customer’s/Depositor’s death, regardless of whether the deposit/account is inherited according to the Legislation, a will or an instruction, the Bank shall pay such funds/deposit (part of funds/deposit) to the Depositor’s heir(s) on the ground of a relevant succession certificate or a permit issued by a notary public enabling the heir to receive a part of the funds/deposit of the testator or by virtue of the court ruling. 5.1.25. Power of attorney for managing accounts. The Customer is entitled to give a power of attorney to another individual for disposing of accounts opened with the Bank. The power of attorney for managing accounts shall be certified by an authorized employee of the Bank or the notary. The Customer shall inform the Bank without delay in writing on cancellation of power of attorney issued by him/her for the right of accounts disposal by the other individuals. In case the Customer fails to fulfil this obligation, the Customer shall be liable for all the actions taken by such individuals in terms of accounts disposal as if the own ones. The Bank shall be exempt from responsibility for performing transactions on accounts based on such power of attorney, if the Customer failed to inform the Bank of cancellation thereof. 5.1.25.1. If the representative under a power of attorney (except for powers of attorney issued on the territory of another country, legalized (with apostil) in line with the requirements of the effective Legislation) addresses the Bank in order to use the accounts of the Customer, debit transactions under such accounts are performed only after the representative provides the Bank with the confirmation of validity of such power of attorney by the representative by providing the extract from the Unified Register of Powers of Attorney, valid as of the date of transaction. 5.1.26. The third party, in which favor the account is opened, acquires any and all rights of the Customer under the Agreement (in terms of rendering of the Banking Service “Current (non-card) account of a private individual”) from the moment of presentation of the first request proceeding from the Customer rights to the Bank or expressing his/her intention to dispose of such rights in some other way. The Customer may dispose of funds in the account only upon his/her identification and verification by the Bank and presentation of all necessary documents stipulated in the Legislation. Having acquired rights under the Agreement, the Customer should abide by all the terms and conditions of the Agreement fulfill all the obligations of the Party to the Agreement and enjoy rights stipulated by the Agreement and Rules. 5.1.27. When deposit account is opened in favor of the third party, such party acquires the rights of a Depositor from the moment of making the first request to the Bank, proceeding from the Depositor’s rights, or expressing his/her intention to exercise such right in any other way. Before the party, in which favor the deposit account was opened, acquires the Depositor rights, such rights belong to the person who opened the deposit account. Cash in the deposit account shall be managed by the person who opened such account only upon his/her identification and verification by the Bank. If the person, in whose favor the deposit account was opened, refused the deposit or was not identified and verified by the Bank, then the person who placed the deposit and opened a deposit account in favor of the third party shall have the right to demand deposit redemption or transfer such account in his/her name having submitted a relevant application in due form of the Bank or submitted a new Banking Service Application and opened the new deposit account. 5.1.28. In the event of opening a deposit account in favor of the third party – real estate seller, this party shall acquire all rights of the Depositor from the moment of presentation of the first request proceeding from the Customer rights and providing the Bank with an immovable property sale and purchase agreement certified by the notary and concluded between the person to have placed the deposit (buyer) and the third party (seller). The third party shall dispose of funds in the deposit account only upon his/her identification by the Bank and presentation of all necessary documents stipulated in the Legislation and Bank’s internal regulatory documents.

36

Having acquired the Depositor’s rights under the Agreement, the third party should abide by all the terms and conditions of the Agreement fulfill all the obligations of the Party to the Agreement and enjoy rights stipulated by the Agreement. Prior to acquiring the Depositor rights by the third party, and also in case the third party presents demand to the Bank, proceeding from the Depositor rights, but fails to provide the Bank with immovable property sale and purchase agreement certified by the notary and concluded between the person to have placed the deposit (buyer) and the third party (seller), these rights belong to the person who placed the deposit (the Depositor). 5.1.29. Transactions in the current account of the Private Entrepreneur. The Bank performs payment and cash transactions, FX transactions, as well as other transactions in the current accounts of the Private Entrepreneurs with a special mode of use solely within and according to the Legislation. The Bank shall not bear liability for the Customer (the Private Entrepreneur) failing to comply with limits on performance of transactions, mode of use of funds that are in his/her accounts. Funds in the current account of the Private Entrepreneur with a special mode of use are used in line with procedures established for the use of funds in the current accounts of economic entities taking into account the requirements of the Legislation. Except for other conditions of the Agreement, the condition for opening the Current Account of the Private Entrepreneurs with a special mode of use is availability of other Current Account of this individual with the Bank. 5.1.29.1. Notary for the performance of the notary actions of acceptance an amount of money as a deposit opens a Separate current account of the notary. Separate current account of the notary is used for the performance of transactions related to the performance of obligations of the debtor-customer of the notary to the creditor; making settlements under the purchase and sale agreements of the notary’s customers – private individuals, including on the amount exceeding the threshold limit for cash settlements between the private individuals established by the NBU. The funds which are in the Separate current account of the notary belong to the customers of the notaries within the amount transferred by each customer. The notary manages funds in the stated account according to procedures stipulated by the Legislation and does not have a right to use these funds with a different aim other than the fulfillment of the instructions of the customer, who transferred them. A condition for opening a Separate current account of the notary is the current account of the Private Entrepreneur opened with the Bank. 5.2. SETTLEMENT FORMS AND PROCEDURES 5.2.1. The Customer has the right to use any forms of settlement that do not contradict the Legislation. 5.2.2. When making a cashless funds transfer from the current account, the Customer provides the Bank with payment documents drawn up in line with the requirements of the Legislation. 5.2.3. The Customers shall pay for the Bank’s services according to the effective Bank Tariffs. 5.3. PROCEDURES FOR ACCRUAL, PAYMENT AND CHANGE OF INTEREST 5.3.1. The Bank shall accrue the Interest on the balance of funds in the Customer current account on a monthly basis on the last calendar day of each calendar month and on the day of the account closure. Interest is accrued in the currency of the account on the actual daily credit balance of funds available in the account as of the end of the Bank’s Operational Day. Interest on the balance of funds in the current account is accrued on the actual calendar number of days during which the cash funds are available in the account from the day when funds are entered to the account (excluding the day of the account opening) and till the day of its closure (excluding this day). 5.3.2. If the account is opened in national currency, when interest is calculated, the actual number of days in a month (28-29, 30, 31) and in a year (365, 366) is taken into account. For an account in foreign currency, interest is calculated proceeding from the actual number of days in a month (28-29, 30, 31) and 360 days in a year. Accrued interest is paid to the Customer on a monthly basis on the first business day of the month following the settlement month and on the last effective day of the Banking Service “Current (non-card) account of a private individual”, funds being credited to the account. 5.3.3. During the Banking Service “Current (non-card) account of a private individual” validity, the Bank has the right to change the interest rate accrued on the current account balance having notified the Customer of such changes following the procedure stipulated in Clause 3.3.1. hereof. In case the interest rate is changed, its new amount is deemed approved by the Customer from the date of introduction of the new interest rate and does not require signing of any additional agreements by the Parties and/or providing any additional documents. Warning: Accrual, payment and change of interest on the balance of funds in the current account are performed according to the procedures specified in the Legislation for demand deposits. 5.3.4. The Bank shall accrue interest on deposit on a monthly basis on the last calendar day of each calendar month and on the day of complete deposit redemption. Interest on the current account is accrued on the actual calendar number of days during which the cash funds are available in the account from the day when funds are entered to the account (excluding the day of the account opening) till the day preceding redemption of cash funds to the Depositor or debit from the deposit account of the Depositor due to other reasons. When part of deposit is redeemed, interest for the day when such part of deposit is redeemed is accrued on the amount of credit balance of funds in the account after redemption of such part of deposit. 5.3.5. The date of credit of the deposit to the account is the date when the Depositor submits transfer documents (including cash) to the Bank provided that such submission is made within the Operational Day of the Bank. If such transfer documents (including cash) are submitted to the Bank after the Operational day or on a day-off, weekend or holiday, the Date of entry of deposit to the account is the next Business Day. 5.3.6. When deposit is allocated in national currency, interest is calculated proceeding from the actual number of days in a month (28-29, 30, 31) and in a year (365,366). When deposit is allocated in foreign currency, interest is calculated proceeding from the actual number of days in a month (28-29, 30, 31) and 360 days in a year. 5.3.7. Accrued interest is paid to the Depositor within the terms specified herein. If interest payment falls at a day-off, weekend or holiday, the Date interest payment is the next Business Day following such day-off, weekend or holiday. 5.3.8. Upon redemption of the deposit, the Banking Service is not subject to extension and the account where such deposit was accounted is closed and interest is no longer accrued on such deposit amount. The aforesaid statement and/or slip shall be issued to the Customer after being signed by the Bank’s authorized person and sealed with the Bank’s seal (stamp). 5.3.9. Interest of funds balance on account and deposit interest shall be paid to the Customer/Depositor after deduction of accrued private individual income tax and military levy on such interest, that the Bank is obliged to deduct from the amount of interest at the expense of them and transfer to the budget in accordance with the Tax Legislation.

5.4. RIGHTS, OBLIGATIONS AND RESPONSIBILITY OF THE PARTIES

37

5.4.1. The Customer shall have the right to: 5.4.1.1. Receive card account statements from the Bank in line with the effective Tariffs, as well as information about the amount of interest accrued on deposit. 5.4.1.2. Grant the representative the right to use the deposit or current account in line with the requirements of the Legislation and internal regulatory documents of the Bank. 5.4.1.3. Dispose of funds independently in compliance with the requirements under the Legislation and terms and conditions set forth in the Agreement, the Rules; receive income in the form of interest in line with the Agreement and the Rules. 5.4.1.4. Refuse from the Banking Service and terminate the Agreement in terms of deposit placement, if it is envisaged by the terms of the Banking Service, by submitting to the Bank the Banking Service Cancellation Application and receive the amount of deposit and interest thereon according to the procedures set forth in the Agreement and the Legislation. Close the account. 5.4.2. The Bank shall have the right to: 5.4.2.1. Demand documents necessary for account opening and crediting (transferring, disbursing) funds thereon from the Customer. 5.4.2.2. Use funds of the Customer kept in the account confirming their availability and making transactions in compliance with the Legislation. 5.4.2.3. Postpone the execution of the settlement document/crediting of the account in cases specified in clauses 5.1.22 of the Rules. 5.4.2.4. Return to the Customer without execution payment and cash documents formalized with violation of the Legislation within the deadlines and according to the procedures set forth in the Legislation. 5.4.2.5. Refuse to disburse cash funds to the Customer if he/she fails to provide (fails to provide in time): preliminary application for cash receipt; settlement documents for paying taxes and mandatory fees to be paid simultaneously with cash receipt in cases set forth in the Legislation. 5.4.2.6. Demand cancellation of Agreement in terms of rendering the Banking Service. 5.4.2.7. Close accoun ts of the Customers in line with the Legislation, the Agreement and the Rules. 5.4.2.8. Demand from the Customer (the Customer’s representative) information (official documents) necessary for the following: (i) the Bank to duly fulfill its powers in the area of foreign currency supervision; (ii) the Bank to perform due diligence, as well as to perform other requirements of the law in the area of financial monitoring; (iii) the Bank to comply with standards and requirements of the Credit Agricole Group and internal documents of the Bank in the field of financial monitoring with due regard to provisions of clause 3.7 hereof. 5.4.2.9. To provide, on request of the money transfer intermediaries or subjects of initial financial monitoring that provide services on funds transfer, information in the scope and under procedure specified in the legislation on financial monitoring. 5.4.2.10. Refuse to perform financial transaction (transactions) to the Customer in cases specified in clause 3.7 hereof. 5.4.2.11. Refuse to extend (prolong) the Customer’s Deposit automatically, notifying the Customer of this fact (by a phone call from the Contact Center of the Bank and/or SMS messages and/or registered letter without making amendments and supplements to the Agreement/Baking Service Application) not later than 10 calendar days prior to the date of deposit redemption (new date of redemption). 5.4.2.12. Block the Customer’s account if the Bank became aware of the Customer’s death. 5.4.3. The Customer shall: 5.4.3.1. Submit full set of documents necessary for the account opening to the Bank on the day of the Agreement. 5.4.3.2. If the account is opened for deposit allocation, place funds in such account (in cash or cashless form) on the day of signing Banking Service Application (deposit allocation). 5.4.3.3. When making transactions in the account, abide by the requirements under the Legislation and the Rules. 5.4.3.4. If the Agreement is terminated for convenience with regard to Banking Service rendering (on deposit allocation), notify the Bank of his/her intention to cancel the Agreement no later than 2 Business days prior to the expected date of the Agreement cancellation in terms of the Banking Service rendering (on deposit allocation) (and in case the Depositor pledged ownership rights on deposit under the Agreement to secure fulfillment of obligations of the Depositor and/or other parties to the Bank, no later than 10 Business days to the expected date of termination of the Agreement in terms of deposit allocation, by submitting two copies of the Banking Service Cancellation to the Bank. 5.4.4. The Bank shall: 5.4.4.1. Open an account for the Customer and make transactions therein according to the terms of the Agreement and the Legislation. 5.4.4.2. Accept cash funds to the Depositor’s account and ensure their utmost safety. 5.4.4.3. Preserve secrecy of deposit. 5.4.4.4. Accrue and pay interest on the account in line with the terms and conditions set forth in the Agreement and these Rules. 5.4.4.5. By signing the Banking Service Application and the Agreement, the Depositor authorizes, and the Bank undertakes an obligation to transfer to the Depositor’s current account specified in the Banking Service Application the amount of deposit unclaimed by the Depositor provided the Bank has notified the Depositor in writing of its refusal to extend the Agreement automatically. With that, the Bank should redeem the deposit on the scheduled date of deposit redemption and close the deposit account. 5.4.4.6. After expiry of the Banking Service on deposit allocation, redeem the amount of deposit to the Depositor, accrue and pay interest thereon and close the deposit account. 5.4.4. Responsibility of the Parties 5.4.5.1. It is prohibited to use the account for transactions connected with entrepreneurial activity. 5.4.5.2. For groundless violation of the deadlines for the entry of the amount of transfer set forth by the Legislation by the Bank, the latter pays to the Customer/Depositor a penalty in amount of 0.1% of the amount of past due payment for each day of delay, total amount of which may not exceed 5% of the amount of transfer. 5.4.5.3. In the event of erroneous transfer from the account of the Customer that happened through the fault of the Bank, on the day when such error is detected the latter transfers the relevant amount of funds to the account of the Customer according to the procedures set forth in the Legislation, the Agreement, the Rules. When redemption of such amount is delayed, the Bank has to pay to the Customer a penalty in amount of 0.1% of the amount of erroneous transfer for each day of delay, starting from the day of such erroneous transfer and ending with the day of redemption of such amount to the account of the Customer. The amount of penalty as per the clause hereof may not exceed 10% of the erroneous transfer amount. 5.4.5.4. If the Bank makes a transfer from the account of the Customer without grounds set forth in the Legislation at the initiative of an inappropriate collector in violation of the terms of the instructions of the Customer for direct debit or as a result of the other errors, amounts of such transfers are redeemed according to the procedures set forth in the Legislation and the Rules. With that, the Bank has to pay to the Customer a penalty of 0.1% of the amount of such transfers for the period from the day they were made to the day their amounts are redeemed to the account. Penalty may not exceed 5% of the erroneous transfer amount.

38

5.4.5.5. If the Customer violates the deadlines for redemption of funds entered to the account by mistake, he/she has to pay to the Bank a penalty of 0.1% of the amount transfer to the account made by mistake for each day of delay, but not more than 10% of transfer amount, and compensates inflicted damage equal to the amount of transfer according to the procedures set forth in the Legislation and the Rules. 5.4.5.6. If the Bank is held liable for violation of currency legislation that happened through the fault of the Customer, the latter has to reimburse the Bank for incurred losses in full amount and pay penalty of 120% of the effective accounting rate of the NBU from the amount of losses for each day of delay until such losses are reimbursed. 5.5. PLEDGE OF RIGHTS TO BANK DEPOSIT 5.5.1. In case that the Depositor pledges property rights on the deposit under the Pledge Agreement, and in case of default or improper performance of monetary obligations under the Loan Agreement or the Pledge Agreement, the Bank acquires a right to repay such deposit in full amount to any free of encumbrances Depositor’s current account with the Bank. 5.5.2. In case of default or undue performance of the monetary obligations to the Bank under the Loan agreement and\or Pledge Agreement on the deposit expiration date (including after the expiry of the automatic prolongation of the deposit in accordance with this clause), as well as if the obligations of the Bank under an aval, letter of credit, guarantee provided in accordance with the terms of the Loan Agreement have not been terminated and unless otherwise agreed by the Parties, the term of the deposit shall be automatically prolonged for the next 30 calendar days. For avoidance of doubt, such prolongation of the deposit term may take place any number of times and does not require the submission by the Depositor of the Application for the placement of the deposit (this paragraph of the Rules shall be considered an Application for the deposit placement in such a case). In case of prolongation of term of the deposit the property rights to which are pledged, for the above-mentioned reasons, the interest rate on such deposit shall be 0.00001% p.a. for the whole period of such prolongation. 5.5.3. In case of an adverse circumstance arising under the Loan Agreement, the Depositor shall, in pursuance of such agreement, pledge the property rights to the deposit to the Bank; such deposit shall be placed until the obligations under the Loan Agreement are performed in full. The Interest rate that is applicable to the deposits placed in such case shall be 0.00001% p.a. 5.5.4. In case the Depositor pledges the ownership right on deposit regardless of other provisions of the Agreement / Rules, deposit redemption and interest payment shall be performed by the Bank as stipulated by sc. 5.5.1. of the Rules without executing any additional legal transactions and/or submitting any other additional documents by the Parties. 5.5.5. In case of pledge of the property rights to the deposit by the deposit or to the Bank, notwithstanding other provisions of the Agreement/ Rules, the Bank shall return the deposit and pay the interest accrued in accordance with clause 5.3.5 of the Rules without entering into additional legal transactions and/or provision of any additional documents by the Parties. 5.5.6. In case the Bank returns any cash funds to the Depositor under the deposit, the property rights on which represent the subject of pledge, the Depositor shall on the same day transfer all received amounts towards fulfillment of monetary obligations under the Loan Agreement and/or Pledge Agreement, irrespective of their maturity, and the Bank shall acquire this right (but shall not be not obliged to), and the Depositor hereby unconditionally and irrevocably entitles the Bank to write off the funds on its own from any unencumbered Current Account of the Depositor in the amount necessary for the performance of monetary obligations under the Loan Agreement and/or Pledge Agreement, but mot more than the amount of funds under the deposit received by the Depositor under the Agreement, and use Depositor’s funds written off in such a way towards fulfillment of monetary obligations under the Loan Agreement and/or Pledge Agreement. 5.5.7. From the day of fulfillment of the obligations under the Loan Agreement and/or Pledge Agreement in full and/or termination of the Pledge Agreement, the obligations set forth in clause 5.5.5 of the Agreement with regard to the Deposit, the property rights on which represent the subject of pledge shall be invalidated. 5.6. PROCEDURE OF ACCOUNTS CLOSURE 5.6.1. Customer accounts shall be closed in line with the requirements of the current Legislation and terms of the Agreement, and the Rules. 5.6.2. The Customer may close the account, having submitted the Banking Service Cancellation Application to the Bank and provided the Customer does not have outstanding obligations to the Bank, regardless of their due dates. 5.8.3. The Bank shall have a right to close the account in any of the following cases: 5.8.3.1. No transactions are performed in the account during 1 year (except for transactions on debiting service fees by the Bank and/or debiting of the Inactive account service commission, if any, crediting of interest accrued on the account balance, revaluation of FX balance), provided that there is no balance on the account; 5.8.3.2. In case of circumstances which under the Legislation on financial monitoring are deemed as the ground for the reporting entity to refuse to establish business relations with the Customer, and if the Customer fails to provide the Bank upon its request with documents required by internal documents of the Bank and/or if the Bank, at its own discretion, has suspicions that transactions of the Customer and/or its activity in general and/or the activity of the Customer’s representatives have features of money laundering and/or terrorism finance and/or mass destruction weapons proliferation and/or in any other manner violate the Legislation on financial monitoring; 5.8.3.3. If current account was opened with the purpose to receive deposit interest on it and/or redeem the deposit placed with the Bank, but the Bank Deposit Agreement did not become effective. 5.8.3.4. Termination of the Agreement for convenience by the Bank according to the procedure stipulated in the Section X of the Rules; 5.8.3.5. In case of availability of other grounds provided by the Legislation, the Agreement and the Rules.

39

VI. BANKING SERVICE “SAFE DEPOSIT BOXE LEASE” 6.1. GENERAL TERMS AND PROCEDURE FOR PROVISION OF BANKING SERVICE “SAFE DEPOSIT BOX LEASE” 6.1.1. The Banking service “Safe Deposit Box Lease” is that the Bank leases the Safe Deposit Box to the Customer subject to conditions of payment and time limitations. The Customer shall pay a fee to the Bank in the amount specified in the Bank Tariffs. The number, size of the Safe Deposit Box, lease term, and other essential conditions are specified in the Application for the Banking Service “Safe Deposit Box Lease”. 6.1.2. If the Banking Service “ Safe Deposit Box Lease” is ordered by two persons simultaneously, the Bank shall ensure that the Customer 1 and/or his/her representative has access to the Safe Deposit Box solely in presence of the Customer 2 and/or his/her representative. To ensure that the Customer 2 and/or his/her representative has access to the Safe Deposit Box solely in presence of the Customer 1 and/or his/her representative. Customer 1 and Customer 2 both separately and collectively are hereinafter referred to as the Customer. 6.1.3. If the Banking Service “Safe Deposit Box Lease” is ordered by two persons simultaneously, the Customer 1 and the Customer 2 shall be solidary liable for damages to the Bank. 6.1.4. The Safe Deposit Box is designated for storing material valuables and documents (hereinafter the Valuables) placed in it by the Customer or his/her representatives. The separate cabin shall be provided to the Customer to work with the Valuables. 6.1.5. The Customer shall have the right to use the leased Safe Deposit Box within the working schedule of the relevant Bank’s entity. The duration of one visit of the Safe Deposit Box shall not exceed 20 minutes. 6.1.6. The Customer is prohibited to store in the Safe Deposit Box the items defined in the clause 6.2 hereof and/or specified by the Legislation as excluded from or limited in the civilian circulation. 6.1.7. The Bank shall issue to the Customer one Key to the Safe Deposit Box and one Key to the Bank vault tray, if the Safe Deposit Box has a vault tray with a lock regardless of the number of private individuals specified in the Applications for Banking Service. 6.1.8. For using the Safe Deposit Box, the Customer shall have by himself/herself the key to the Safe Deposit Box and the key to the Bank vault tray, if the Safe Deposit Box has a safe vault with a lock (hereinafter collectively or separately referred to as the Customer’s Keys), as well as ID document (together with the power of attorney of the representative). 6.1.9. In order to receive the Customer’s Keys the Customer shall deposit funds in amount of the Keys’ cost, specified in the Banking Service “Safe Deposit Box Lease” in accordance with Tariffs of the Bank valid for the date of the above Application formalization. 6.1.9.1. If the Customer prolongs the lease of the Safe Deposit/replaces Safe Deposit, the Customer’s Keys deposit shall be established in the amount specified in the Bank Tariffs as of the date when the Application for the Banking Service (extension of the Safe Deposit Box Lease/replacement of the Safe Deposit Box) is submitted. 6.1.10. The Customer shall be personally liable for safekeeping of the Customer’s Keys provided to him/her or to the representative. 6.1.11. The Customer’s Keys deposit and residual amount of the Safe Deposit Box lease payment in proportion to unused days (in case of premature termination of the Banking Service provision) shall be returned by the Bank at the cash desk of the Bank’s entity (on the day when the Customer returns the Customer’s Keys to the Bank) or, on the Customer’s request, in a cashless form to the current account specified in the Banking Service Application. 6.1.12. In case of loss /damage of the Customer’s Keys or one of them, breakdown of the Safe Deposit Box lock/detection of breakdown of the lock (of the safe Deposit Box or vault tray) which precludes further use thereof, the Customer shall immediately inform the relevant Bank entity about it by submitting a statement in writing and in no particular form. 6.1.12.1. If the lock is damaged and it is impossible to open the Safe Deposit Box, it shall be opened forcibly in the Customer’s presence with drowning up of the respective Act. 6.1.12.2. Hereafter, if the Customer wishes to continue using the Banking Service “Safe Deposit Box Lease” and there are vacant Safe Deposit Boxes available in the vault, the Customer shall have the right to: a) Formalize the Application for the Safe Deposit Box replacement (including for the Safe Deposit Box of size different from the previous one) within the validity of the effective Banking Service Application, and pay the new deposit amount of the Customer’s Keys and lease payment for the Safe Deposit Box according to the Tariffs effective as of the date of the signing the above Application for the Safe Deposit Box replacement. In such a case, the payment for unused days of the previous Safe Deposit Box lease shall be returned to the Customer; b) Formalize the Application for Banking Service “Safe Deposit Box Lease” and lease the new Safe deposit Box for a new term, pay new deposit of the Customer’s Keys and lease payment in accordance with the Tariffs effective as of the date of the above Application formalization. 6.1.12.3. If there is no free Safe Deposit Box in the Bank vault, the Customer shall have the right to continue using the same Safe Deposit Box after the lock is replaced. For this purpose the Customer shall collect the Valuables and formalize the Application for the Safe Deposit Box reservation for a period not more than 7 business days (inclusively). In such a case, the effective Application for Banking Service “Safe Deposit Box Lease” shall not be amended, additional fee/charge for reservation shall not be paid by the Customer, and biometric refresher-scanning of hand fingers shall not be made. If the Customer’s Keys (or one of them) is lost/damaged the Bank shall not return the Customer’s Keys deposit amount to the Customer. 6.1.12.4. When the Safe Deposit Box is repaired, the Bank shall notify the Customer by e-mail and/or telephone that the Safe Deposit Box is available for use again, and then the Customer shall pay deposit for new Customer’s Keys, receive it at the desk of the Bank, and place the Valuables in the vault tray of the Safe deposit Box. If after expiry of the Safe Deposit Box reservation period the Customer fails to approach the Bank entity, the reservation of Safe Deposit Box shall be cancelled, and provision of the Banking service “Safe Deposit Box Lease” shall be terminated prior to maturity; the residual amount of lease payment in proportion to unused days of the Safe Deposit Box lease shall be returned to the Customer in cash at the cash desk of the Bank entity or, on the Customer’s request, shall be credited to the Customer’s current account specified in the Banking Service Application. 6.1.13. The Customer shall be entitled to entrust Safe Deposit Box usage to the representative on the grounds of the properly formalized power of attorney. The Customer shall pass the key to the representative on his/her own. 6.1.14. The Customer shall open/close the Safe Deposit Box in the presence of the authorized officer of the Bank entity. 6.1.15. In case of expiry of the Safe Deposit Box lease term and the Customer’s failure to collect stored Valuables from the Safe Deposit Box, in the course of the next 30 calendar days, the Bank shall perform forced Safe Deposit Box opening in the Customer’s absence after which the Customer’s Valuables remain in safe custody of the Bank entity’s operational cash desk. The amount of the Customer’s Keys deposit shall not be returned to the Customer after forced Safe Deposit Box opening. 6.1.16. The Bank shall have the right to accrue payment for storing the Valuables in safe custody of the Bank entity’s operational cash desk in accordance with the Tariffs. 6.1.17. In order to cover the Bank’s other expenses caused during forced opening of the Safe Deposit Box, the Bank shall have the right to satisfy all its demands following the procedure established by the Legislation and agreements concluded with the Customer.

40

6.1.18. If the Customer failed to timely collect the Valuables from the Safe Deposit Box upon its lease expiry and extend the lease, the Customer shall pay to the Bank the cost of unpaid days of lease (based on the amount of the lease fee specified in the Banking Service application) and also shall pay a penalty equal to double lease fee amount, specified in the Banking Service application, for every calendar day of delay, including the day of repayment. The Bank shall resume rendering services to the Customer only after he/she repays indebtedness to the Bank in full. 6.1.19. In order to prolong the period of the Safe Deposit Box lease the Customer shall submit the Banking Service Application (on the Safe Deposit Box lease term extension) to the Bank on conditions of effective Tariffs of the Bank at least 30 calendar days prior to the end of the Safe Deposit Box lease period. 6.1.20. If the Customer has a special status (VIP package holder or package offer defined by the Tariffs), the Customer shall be granted the right to use the Banking Service “Safe Deposit Box Lease” at the special price in compliance with the Bank’s Tariffs. 6.1.21. In case damage is inflicted to the Bank particularly by, but not limited to, specific features of the Valuables submitted for storage, as a result of which the Bank incurred losses, the Customer shall cover damages to the Bank in full. 6.1.22. In compliance with Article 971 of the Civil Code of Ukraine, the Bank shall not be liable for the Safe Deposit Box contents and only guarantee the proper condition (proper functionality) of the Safe Deposit Box and its inaccessibility to the third parties. 6.1.23. In the event of the Customer’s death, his/her heir shall address the Bank’s entity with a demand to return the Valuables upon presentation of the following documents to the Bank:

- Certificate of inheritance rights (notarized copy) (or a court decision that came into force, and/or certificate of title (to a share in common property of spouses);

- ID document and document confirming the assignment of the registration number of the taxpayer's registration card. 6.1.23.1. If the heirs returned the Customer’s Keys and there are no past due payments to the Bank, the Bank shall return the Customer’s Keys deposit to heirs in amount specified in the Banking Service Application. If the heirs failed to return the Customer’s Keys to the Bank, the latter shall perform forced Safe Deposit Box opening. The amount of the Customer’s Keys deposit shall not be returned to heirs after the forced opening of the Safe Deposit Box. Forced Safe Deposit Box opening shall be performed on condition of simultaneous presence of all heirs. 6.1.23.2. If the Valuables of the deceased Customer were stored longer than the Safe Deposit Box lease term, specified in the Banking Service Application, by the moment of forced opening of the Safe Deposit Box any of the Customer’s heirs shall pay the Bank the cost of leased days not paid for by the Customer valid as at the date of formalization of the last Banking Service Application according to the Bank’s Tariffs. 6.1.24. If the Customer (his/her representatives, heirs, etc.) within 8 (eight) calendar days after the expiry of the Safe Deposit Box lease period do not claim the return of the Valuables that are in safe custody of the Bank entity’s operational cash desk, the Bank shall have a right to prescribe the Valuables according to the acquisitive prescription in line with the article 344 of the Civil Code of Ukraine.

6.2. LIST OF SUBSTANCES, MATERIALS AND OBJECTS PROHIBITED FOR STORAGE IN THE SAFE DEPOSIT BOX

6.2.1. Weapons, ammunition, explosive materials, gunpowder, any fuel, as well as special equipment and materials for its production. 6.2.2. Poisonous military substances. 6.2.3. Uranium, other fissionable materials and products made of them. 6.2.4. X-ray equipment, devices and equipment using radioactive isotopes and radioactive substances. 6.2.5. Experimental samples of scientific research and fundamental exploratory research to create weapons and equipment. 6.2.6. Poisons and drugs. 6.2.7. Ethanol and other flammable liquids. 6.2.8. Waste explosives. 6.2.9. Perishable food, materials and substances. 6.2.10. Other substances that can cause harmful effects on humans and the environment. 6.3. PROCEDURE OF BIOMETRIC SCANNING 6.3.1. In order to ensure safety of the Safe Deposit Boxes contents provided to the Customer for temporary use, some entities of the Bank may carry out the procedure of biometric scanning of a left-hand and a right-hand finger of the Customer for the purpose of his/her identification and assignment of specific Safe Deposit Box to the Customer. 6.3.2. The procedure of biometric scanning of the Customer’s left-hand/right-hand finger shall be performed as follows:

- The Customer together with the authorized employees of the Bank entity shall enter the room where the procedure of biometric scanning of one left-hand finger and one right-hand finger of the Customer shall be performed;

- The authorized employee of the Bank entity shall explain the procedure of biometric scanning of left-hand/right-hand finger to the Customer;

- The authorized employee of the Bank entity shall perform the primary biometric scanning of left-hand/right-hand finger of the Customer. 6.3.3. The process of biometric scanning of a left-hand and a right-hand finger of the Customer’s representatives shall be the same. 6.3.4. After the procedure of biometric scanning of the Customer’s one left-hand and one right-hand finger:

- To use the Safe Deposit Box specified in Banking Service Application, the Customer shall access the vault where the Safe Deposit Box is located using biometric scanning of his/her left-hand or right-hand finger, accompanied by the authorized officer of the Bank entity;

- Having finished handling the valuables and having closed the Safe Deposit Box, the Customer shall leave the premises accompanied by the authorized officer of the Bank entity, and the latter shall specifically use biometric scanning of his/her left-hand or right-hand finger.

Exceptions are the cases of failure of bio readers to scan and/or impossibility to scan fingers of the Customer for any reason whatsoever that does not depend on the will of the Parties. In such case the access of the Customer to safe Deposit Boxes to work with a Safe defined in the Application for Banking Service shall be given according to the procedure defined by internal regulations of the Bank. 6.4. RIGHTS AND OBLIGATIONS OF THE PARTIES 6.4.1. The Customer shall have the right to: 6.4.1.1. Use the Safe Deposit Box under the terms stipulated in the Agreement, according to the working schedule rules of the relevant Bank’s entity and in compliance with the Rules. 6.4.1.2. Having signed the Agreement, the Application for Banking Service “Safe Deposit Box Lease” and having received the Customer’s Keys, proper functionality of the Safe Deposit Box lock shall be checked, and in case of lock defects the Safe Deposit Box shall be replaced. The Safe

41

Deposit Box can be replaced during the term of the Banking Service provision by submitting the relevant Application for the Safe Deposit Box replacement according to the Bank Tariffs. 6.4.1.3. Extend the Safe Deposit Box lease term on conditions specified by the Rules. 6.4.1.4. Place and collect the Valuables from the Safe Deposit Box by himself/herself without the direct presence of authorized officer of the Bank entity. 6.4.1.5. Request the Bank to provide with possibility to review video materials that fixed the Bank’s enforced Safe Deposit Box opening without the physical presence of the Customer. 6.4.1.6. The Bank can provide the Customers with VIP status with the right to use the Banking Service “Safe Deposit Box Lease” at special price in compliance with the Bank’s Tariffs during as many days as specified in the Banking Service Application. 6.4.2. The Customer shall be obliged to: 6.4.2.1. Adhere to the Rules and provisions of the Agreement, and be liable for safe-keeping of the Customer’s Keys. 6.4.2.2. Pay the Banking Service “Safe Deposit Box Lease” for the whole term of lease and the Customer’s Keys deposit in the amount specified in the Banking Service Application and the Tariffs, as well as penalties (if any). 6.4.2.3. Neither transfer the Customer’s Keys to the third parties (except for the representatives), nor make duplicate of the Customer’s Keys. 6.4.2.4. In the event of loss of the Customer’s Keys or one of them, and in order to ensure preservation of Safe Deposit Box content, it shall be communicated immediately to the Bank’s entity by submitting an application in writing. 6.4.2.5. Refund the Bank’s losses related to the Safe Deposit Box enforced, if any. 6.4.2.6. When visiting the Bank’s entity, the Customer and his/her representatives shall confirm their right to use the Safe Deposit Box 6.4.2.7. Refrain from using the Safe Deposit Box for storing prohibited items, the list of which is determined in the cl. 6.2 hereof. 6.4.2.8. After expiry of the Safe Deposit Box lease term or in case of premature termination of provision of the Banking Service “Safe Deposit Box”, the Customer shall empty the Safe Deposit Box, make sure that there are no Valuables in the vault tray/the Safe Deposit Box personally and in presence of the authorized officer of the Bank entity, and return the Customer’s Keys to the operational cash desk of the relevant Bank entity. 6.4.2.9. Mandatory use of the vault tray which the Safe Deposit Box is equipped with. To pay for the Banking Service (Safe Deposit Box lease) for the entire lease term and Safe Deposit Box key deposit value in amount specified in Banking Service Application, as well as penalties (if any). 6.4.2.10. Examine and work with the Valuables (even during a short-time) only in the separate cabin. 6.4.2.11. Unconditionally refrain from video recording and photographing of the Safe Deposit Box, the separate cabin, and other repository premises. 6.4.3. The Bank shall: 6.4.3.1. Provide the Customer/the Customer’s representative with the access to the Safe Deposit Box and the Customer’s Keys for the lease term on the ground of the Signed Agreement Copy, documentary evidence of leasing fee payment made for the entire lease period and payment of the Key deposit. 6.4.3.2. Provide the Customer with a possibility of placing the Valuables in the Safe Deposit Box without the Bank control in a separate cabin. 6.4.3.3. Provide the Customer/the Customer’s representative with access to the Safe Deposit Box in line with the Rules. To deny access to the Safe Deposit Box leased out to the Customer to the third parties not specified in the Agreement/Banking Service Application, the Customer’s power of attorney and the Rules. 6.4.3.4. Ensure reliable security of the Bank’s entity premises, vault for the Safe Deposit Boxes, and also security for the Customer/the Customer’s representative during their stay at the Bank’s entity and the Safe Deposit Box using. 6.4.3.5. Upon the Safe Deposit Box lease term expiry and after the Customer returns the Key, the respective Bank’s entity shall return to Customer the Safe Deposit Box Key deposit amount following the procedure specified in the Banking Service Application, except for the cases stipulated in the Rules. If two private individuals use the Safe Deposit Box lease Banking Service at the same time, the Bank shall return to Customer 1 or Customer 2 the Safe Deposit Box key deposit amount in a way as specified in the Banking Service Application. 6.4.3.6. Provide, upon Customer’s request, video- and/or photo and/or audio- materials that recorded the Bank’s forced Safe Deposit Box opening without the physical presence of the Customer, provided that the period of their custody established by the Legislation did not expire. 6.4.4. The Bank shall have the right to: 6.4.4.1. Perform forced opening of the Safe Deposit Box, leased out to the Customer, in the following cases:

- In case specified in Clause 6.1.15. hereof; - Upon the Customer’s application in the event of the Key loss; - In case of need to save the Valuables stored by the Customer in the Safe Deposit Box in the event of circumstances that might lead to

their physical damage, including circumstances of Force Majeure. - In execution of relevant valid court decisions with regard to the Valuables that the Customer stores in the Safe Deposit Box; - If the Customer breaches the requirements set forth by the Rules and the Agreement and there is a threat of inflicting financial damages

to the Bank as a result of the aforesaid breaches; - In case of early termination of provision of the Banking Service “Safe Deposit Box Lease” unilaterally at the Bank’s initiative; - On the grounds of the other terms and conditions of the Agreement and/or the Legislation.

6.4.4.2. In case of debt for the Safe Deposit Box lease services, the Banking Service shall not be provided until such debt is repaid. 6.4.4.3. Accrue and collect penalties from the Customer in amount and according to the procedure specified in the Rules. 6.4.4.4. Cancel the Agreement before maturity and/or refuse to provide the Banking Service “Deposit Safe Box Lease” to the Customer in case of the Customer’s violation of the Agreement, the Rules and/or the Legislation. VII. CUSTOMER SERVICE VIA THE I-BANK SYSTEM 7.1. GENERAL PROVISIONS 7.1.1. Under the i-Bank Service the Bank automatically gives the Customer access to the i-Bank Remote Service System (hereinafter – the RSS IB) for the performance of transaction unrelated to performance of entrepreneurial activity. 7.1.2. The Customer accesses the RSS IB via the Internet, namely via the RSS IB website.

42

7.1.3. Access to the Internet as well as procedures for the Customer using technical means and software required for accessing the RSS IB website are not the subject of the Agreement, and are provided by the Customer independently at the Customer’s own expense. 7.1.4. When using the RSS IB the Customer beforehand agrees to all the risk inherent to working on the Internet.

7.1.5. The Bank grants the Customer access to the RSS IB solely in case of successful Customer Authorization, which is deemed successful if the Customer, enters correct Login and Logon Password (First Logon Password – if the RSS IB is entered for the first time or in the event of repeated generation of the First Logon Password).

7.1.6. Login (or username) is provided to the Customer by means of sending an e-mail to the address specified when registering in the IB SSR.

7.1.7. Login (or username) is restricted information and may be shared by the Customer only with an employee of the Bank.

7.1.8. The First Logon Password is provided to the Customer by means of sending an SMS message to a number specified by the Customer as the secure number. 7.1.9. The Customer is required to change First Logon Password to personal Logon Password using the RSS IB. Logon Password should comply with the following requirements:

(1) It should be at least 10 (ten) characters long, and should contain at least one capitalized and non-capitalized letter and at least two numbers;

(2) It should not contain Cyrillic letters and three same characters in a row (without taking into account the register); (3) Every new Logon Password should differ from the previous Logon Password. Prior to changing the Logon Password the Customer

should familiarize himself/herself with the Bank recommendations regarding the Logon Password published on the RSS IB website, and about which the Customer is informed by the RSS IB;

(4) To Log in the Application the digital access code created by the Customer himself/herself or tools for biometric identification of the mobile device’s owner (for example, fingerprint, face scanning, etc.) can be used. 7.1.10. The Bank and the Customer by concluding the Agreement in line with the Article 207 of the Civil Code of Ukraine have agreed about possible (allowed, legitimate) use of the One-time password being a simple electronic signature (hereinafter referred to as ES) when the Customer initiates, confirms, etc., using the RSS IB any stipulated herein transactions with any of the Customer’s accounts opened with the Bank (except transactions of transferring funds between the Customer’s personal accounts and/or accounts for repayment of outstanding under the Customer’s loan, sufficient condition for recognizing them as signed by the Customer, is the Customer pressing an image with the word “Replenish” after successful Customer’s Authorization in the RSS IB).

7.1.11. The Bank and the Customer by concluding an Agreement have agreed that a One-time Password is an equivalent of the Customer’s personal signature (is a digital signature) and that all the transactions, documents/initiatives, signed/certified in electronic form by the One-time password has a ES status and that all the transactions, documents/initiatives, including but not limited to any agreements within the scope of the Rules in electronic documents form, any documents submitted by the Customer for his/her identification/verification/due diligence by the Bank, signed/certified electronically by the ES shall be deemed personally signed by the Customer. The ES cannot be deemed invalid due to its electronic form or because ES does not have a status of a digital signature (EDS). 7.1.12 All the banking transactions, documents/initiatives performed in electronic form are electronic documents and are considered as such that were drawn up in line with the written form, and cannot be contested on the basis of their electronic form. 7.1.13. Any new Logon Password and/or One-time Password issued to the Customer by the Bank or changed by the Customer in line with conditions of Agreement and hereof are recognized by the Agreement and these rules respectively as the Logon Password and the One-time Password. The previous Logon Passwords and/or the One-time Passwords are considered invalid (incorrect). 7.1.14. The Parties have agreed that the Passwords are considered secret data that is why the Customer should independently ensure that that the Login, First Logon Password and One-time Password are unavailable to the third parties. 7.1.15. The Customer independently bears the responsibility for all the consequences caused by accessing and/or initiating banking transactions by the third parties, if they received information about the Login and/or First Logon Password and/or Logon Password and/or One-time password in any way namely, but not limited to, via direct Customer’s negligence, the Customer deliberately informing the third parties about confidential information specified in this clause, third parties guessing the Login, Logon Password and/or One-time Password, etc. 7.1.16. In case the Login is lost (forgotten) by the Customer, the Customer can receive printed form with current Customer’s Login on the basis of appropriately drawn up Application by applying to a Bank outlet. Alternatively, the Customer may call the Help Center of the Bank, receive an e-mail with the Login at the address specified when registering in the IB SSR.

7.1.17. In case the Logon Password is lost (forgotten) by the Customer, the Customer should repeatedly generate the First Logon Password by applying to the Bank outlet or Contact Center. In such a case received First Logon Password during the first entry into the RSS IB should be changed by the Customer to Logon Password.

7.1.18. Customer’s Secure Phone Number should be changed solely by the Customer drawing up an Application in an entity of the Bank.

7.1.19. The Customer bears all the risks and adverse effects of loss, misappropriation, technical interception of information, etc., Customer’s cell phone and/or respective SIM card.

7.1.20. The Date of performing a bank transaction initiated by the Customer shall be considered the date which is determined independently by the Bank when performing respective bank transaction, but the difference between the calendar date when bank transaction was initiated and the date when it was performed shall not exceed 1 (one) banking day. 7.1.21. The Bank performs all the Customer’s instructions regarding initiation of the bank transaction via the RSS IB during the Operation day during which such instruction was received with a value date on this day. Customer’s instruction on initiation of the bank transaction submitted using the RSS IB received from the Customer in the post-operation time shall be performed on the next Operation day with the value date of the same Operation Day. 7.1.22. When undergoing the registration procedure on the RSS IB Site the Customer by putting the tick near the link to these Rules namely confirms his/her agreement to adhere to the provisions hereof related to provision the i-Bank Service and receive the First Logon Password to Secure Phone Number.

7.1.23. As to every separate banking transaction initiated in line with these Rules the wording of the Rules which was effective as of the moment when respective banking transaction was initiated is in effect, unless otherwise expressly provided for by such wording of the Rules. 7.2. ACCESS TO IB RSS 7.2.1. Access to the IB RSS enables the Customer to perform the following transactions and carry out the following actions:

43

7.2.1.1. Transactions/actions with accounts and the Cards: (1) View general information about the Customer’s current/card accounts opened with the Bank, information about the balance in the accounts and available amount of funds; (2) Receive payment details for current/card account replenishment via the other banks;

(3) Form statements for the Customer’s current/card accounts; (4) Replenish current/ card account;

(5) Transfer money in national currency from the Customer’s current/card account to random payment details;

(6) Transfer money in national currency from the Customer’s current/card account to the Card issued by the Bank using the Card number;

(7) Block/ unblock the Card;

(8) Switch off/ switch on CVV2/CVC2 code verification

(9) Review general information about the Card account of individual entrepreneurs opened with the Bank;

(10) Connect/disconnect “SMS-notifications” service;

(11) Perform regular payments on the Customer’s account in the national currency;

(12) Order additional Card in the name of the Customer – the Card Holder;

(13) Change of authorization limits on the Card;

(14) Transfer funds between the Customer’s own accounts in foreign currency;

(15) Pay for services of legal entities and private entrepreneurs.

7.2.1.2. Deposit transactions and transactions/actions with deposits placed with the Bank: (1) View general information about the Customer’s deposits placed with the Bank;

(2) Form cash flow statements in the Customer’s deposit accounts;

(3) Opening a deposit

(4) Increase the deposit amount;

(5) Reduce the deposit amount.

7.2.1.3. Transactions/actions with loans issued to the Customer by the Bank: (1) View general information about the loans issued to the Customer by the Bank;

(2) Form statements about the history of outstanding under the loans issued to the Customer by the Bank;

(3) Repay loans issued to the Customer by the Bank (except cases of full (final) repayment of outstanding under the loan agreement which should be carried out at the Bank outlet).

7.2.2. The Customer can be granted access to the IB RSS if: (1) The Customer has a current and/or the Card and/or deposit account in any currency opened with the Bank and/or account for the repayment of outstanding under the loan agreement in any currency; (2) The Customer has registered on the RSS IB website and received Login (generated by the RSS IB) to the e-mail address specified when registering and SMS message from the Bank with a First Logon Password; (3) As of the date of access, the update of the received and existing documents, data and information about the Customer is not required.

7.2.3. The Bank grants the Customer access to the RSS IB solely if the Customer Authorization was successful, Authorization is considered successful, if the Customer entered correct Login and Logon Password (First Logon Password, if the RSS IB is entered for the first time or if the First Logon Password is generated repeatedly).

7.2.4. The Customer who is a user of i-Bank banking Service with access to the IB RSS can perform banking transactions (take actions) also by using the Mobile Application. The list of banking transactions performable via the Mobile Application is defined by the Bank independently. 7.2.5. The Customer agrees with all the possible risks that may arise in case of downloading and/or installation of a Mobile application to any device that does not correspond to the devices OS requirements specified on the official pages of the Mobile application in Play Market and Appstore. At that, the bank shall not bear responsibility for correctness of the Mobile application operation in case of its installation and/or use on any devices with OS not corresponding to the specified technical requirements on the official website of the Bank an\or on official pages of Play Market and Appstore (including on the devices in the OS of which any administrative rights that do not correspond to the official OS requirements were additionally installed.

7.3. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING TRANSACTIONS WITH ACCOUNTS AND PAYMENT CARDS USING THE RSS IB 7.3.1. Account replenishment – is a bank transfer from one Customer’s current/Card Account (hereinafter – the Debited Account) to the other Customer’s current/Card account (hereinafter – the Destination account) which are specified by the Customer when initiating the account replenishment. 7.3.1.1. During account replenishment via the RSS IB the Customer pays a fee, specified by the Bank Tariffs effective as of the moment when transaction was initiated. 7.3.1.2. In order to initiate transaction of account replenishment the Customer should perform the following steps:

(1) Specify the Destination Account by selecting “Replenish” option near the information about the Customer’s current/card account that he/she wishes to replenish on the RSS IB;

(2) Specify Debited Account by selecting one among its current/Card accounts offered by the Bank;

(3) Enter replenishment amount;

(4) Give the RSS IB command to replenish account by pressing respective control elements (buttons) on the screen forms of account replenishment transaction.

7.3.1.3. By pressing on the image with “Replenish” word the Customer confirms his/her intention to transfer funds between the Customer’s own accounts. At that, the Parties have agreed that fulfillment of actions leading to transfer to the screen form with transaction result equals digital signature of electronic transfer document, and do not require additional formalization of any paper documents. 7.3.1.4. The Bank performs account replenishment transaction initiated by the Customer under the following conditions:

(1) The Customer was previously successfully Authorized;

(2) The currency of Debited Account coincides with the currency of Destination account;

44

(3) The Debit Account has sufficient amount of funds for replenishment and respective fee debiting.

7.3.1.5. When performing account replenishment transaction the Bank debits funds in amount of replenishment from the Debited Account and enters them to the Destination Account, and also debits fee for performance of transaction initiated by the Customer. 7.3.2. Transfer to the random bank details from the Customer’s account in national currency – performing bank transfer from the Customer’s current/Card account (hereinafter – the Debited Account) which is determined when transaction is initiated, to the Account of the other legal entity or private individual (hereinafter – the Recipient). 7.3.2.1. For the performance of transfer to random bank details the Customer pays a fee to the Bank which is determined by the current Bank Tariffs as of the moment when transaction is initiated. 7.3.2.2. In order to initiate transfer to the random bank details the Customer should carry out the following steps:

(1) Specify Debited Account by selecting “Transfer” option on the RSS IB website near the information about the Customer’s current/card account opened in national currency from which he/she wishes to transfer money or by selecting in general menu of the RSS IB “New payment” transaction and selecting one of his/her current/Card accounts offered by the Bank;

(2) Specify the Recipient’s account;

(3) Select the Recipient’s bank by specifying the bank code (MFO) with which the Recipient’s Account was opened;

(4) Indicate last, first and middle name or the full name of the Recipient;

(5) Indicate taxpayer’s card number (in case of its absence – passport series and number) or the Recipient’s EDRPOU code; (6) Specify transfer purpose – description of the aim and reasons of the transfer;

(7) Determine the date when transfer was initiated: in order to immediately initiate the transfer the Customer should specify the current calendar date or to initiate transfer in future – specific date in future;

(8) Specify transfer amount and give a command to the RSS IB to generate One-time password for transaction confirmation;

(9) Enter the One-time Password after receiving it to Secure Phone Number in the SMS message and give the RSS IB a command to transfer funds by pressing respective control elements (buttons) on the screen forms of money transfer transaction.

7.3.2.3 By entering a One-time Password the Customer confirms that bank transaction parameters specified in the SMS message with One-time Password correspond to parameters of transaction initiated by the Customer. 7.3.2.4. The transfer is considered initiated solely on the occurrence of the date indicated by the Customer as the date for initiation of transaction. 7.3.2.5. The Bank performs transfer transaction initiated by the Customer to the random bank details under the following conditions:

(1) The Customer was previously successfully authorized;

(2) The Recipient is not a person from the list of persons related to terrorist activity or persons to whom international sanctions are applied, and is not related to the countries banned by the Bank or Credit Agricole Group for dealing with ;

(3) As of the moment of the money debiting the Debited Account has sufficient amount of funds for the transfer and payment of fees;

(4) One-time Password used by the Customer is correct. 7.3.2.6. When performing transfer transaction to the random bank details the Bank debits funds in amount of the transfer from the Debited Account and transfers them to the Recipient’s Account specified by the Customer when initiating the transaction and also debits respective fee from the Account. 7.3.3. Money transfer in national currency from the Customer’s Current/Card account to a card issued by the Bank using the card number – wire transfer from the Customer’s Card/Current Account (hereinafter – the Debited account), which is determined at the initiation of transaction, to the Card account of other individual (hereinafter – the Recipient), opened with the Bank, using the number of the Card issued to such Card account. 7.3.3.1. The Customer shall pay a fee to the Bank for the transfer using Card number pursuant to the Tariffs of the Bank effective at the moment of initiation of the transaction. 7.3.3.2. To initiate a money transfer using Card number, the Customer has to take the following actions:

(1) Determine the Debited Account by choosing it on the RSS IB web-site next to the information on the Customer’s Current/Card Account opened in national currency, from which he/she wishes to make a transfer, option “Transfer” and type of payment “Using the number of card issued by CREDIT AGRICOLE”, or by choosing the option “New payment” from the main menu and type of payment “Using the number of card issued by CREDIT AGRICOLE” and one of his/her current/ Card Accounts suggested by the Bank; (2) Specify the number of the Recipient’s Card; (3) Enter the Transfer amount and give the RSS IB a command to generate the One-time password for Transaction confirmation; (4) Having received the One-time password in SMS on the Secure Phone Number, enter it and give the RSS IB a command to transfer funds by pressing respective control elements (buttons) on the screen forms of money transfer transaction.

7.3.3.3. By entering the One-time password the Customer acknowledges that the parameters of the banking transaction which were indicated in the SMS with the One-time password do correspond to the parameters of the transaction initiated by the Customer. 7.3.3.4. The date of initiation of transfer shall be the current date of initiation of respective transaction; 7.3.3.5. The Bank shall perform money transfer transactions using Card number, initiated by the Customer, subject to following conditions:

(1) The Customer was previously successfully Authorized;

(2) The Recipient is not a person from the list of persons related to terrorist activity or persons to whom international sanctions are applied, and is not related to the countries banned by the Bank or Credit Agricole Group for dealing with ;

(3) As of the moment of initiation of transaction the amount of funds in the Account is sufficient for the transfer and payment of fees;

(4) The One-time Password used by the Customer is correct.

7.3.3.6. When carrying out money transfers using the Card number, the Bank shall debit funds in the amount of the transfer from the Debited Account and credit them to the Recipient’s Card Account (the Card to which was indicated by the Customer at the initiation of the transaction), as well as debit respective fee from the Account.

7.3.4. Card Blocking – temporary ban on transactions in the Card Account using the Card, which require the Bank authorization pursuant to the rules of the respective payment system of the Card. In case of loss or theft of the Card, in order to prevent unauthorized use thereof, the Customer has to act pursuant to the terms of the Section IV hereof.

7.3.4.1. For the purpose of Card Blocking (entry on the Stop List), the Customer has to act as follows:

(1) Go the respective section of the RSS IB Website which contains the information on the respective Card;

45

(2) Give a command for Card Blocking to the RSS IB by pressing respective controls elements (buttons) on screen forms of Card Blocking transaction.

7.3.4.2. The Bank shall perform Card Blocking transaction initiated by the Customer subject to following conditions:

(1) The Customer was previously successfully Authorized;

(2) The Card was not blocked earlier.

7.3.4.3. Once the Bank performed the Card Blocking transaction which was initiated by the Customer, such Card shall be deemed blocked, and all Card transactions requiring authorization by the Bank shall become impossible.

7.3.5. Card Unblocking means cancellation of the temporary ban on Card transactions which was initiated by the Customer using the RSS IB (or by calling the Contact Center and giving the reason for blocking as “loss of Card”) and performed by the Bank with respect to the Card transactions requiring authorization by the Bank pursuant to the rules of the payment system to which the respective Card belongs (cancellation of Card Blocking). 7.3.5.1. To initiate Card unblocking the Customer has to do the following operations:

(1) Go to the section of the RSS IB website where detailed information on the respective Card is given; (2) Give the RSS IB a command to generate One-time Password to confirm the operation; (3) Having received One-time Password in SMS on the Secure Phone Number, enter it and give the RSS IB a command to unblock the Card funds by pressing respective control elements (buttons) on the screen forms of Card unblocking operations. At that, the Parties agreed that the confirmation of the operations using the One-time Password shall be considered as electronic signature on electronic document and does not require additional execution of any paper-based documents; (4) Give the RSS IB a command to unblock the Card by pressing respective control elements (buttons) on the screen forms of Card unblocking operation;

7.3.5.2. By entering the One-time password the Customer acknowledges that the parameters of the transaction which were indicated in the SMS with the One-time password do correspond to the parameters of the transaction initiated by the Customer. 7.3.5.3. The Bank shall perform the Card unblocking operation initiated by the Customer subject to following conditions:

(1) The Customer was previously successfully Authorized; (2) One-time Password used by the Customer is correct; (3) The Card was blocked using the RSS IB or by calling the Contact Center and giving the reason for the Card blocking as “loss of Card”.

7.3.5.4. Once the Bank performed the Card unblocking operation initiated by the Customer, such Card shall be deemed active, and all Card transactions requiring authorization by the Bank shall be possible.

7.3.6. Cancellation (switch-off) of CVV2/CVC2 code verification means a temporary permit to carry out Card transactions during settlements via Internet, other types of transactions without entering (confirmation) of CVV2/CVC2 code.

7.3.6.1. For the purpose of initiating cancellation (switch-off) of CVV2/CVC2 code verification, the Customer should do the following:

(1) Go to the section of the RSS ID Website where detailed information on the respective Card is provided;

(2) Choose the period for which he/she wishes to cancel (switch-off) CV2/CVC2 code verification;

(3) Give the RSS IB a command to generate One-time Password to confirm the transaction;

(3) Having received One-time Password via SMS on Secure Phone Number, enter it;

(4) Give a command to the RSS IB to cancel (switch-off) CVV2/CVC2 code verification by pressing respective control elements (buttons) on screen forms of CVV2/CVC2 code verification cancellation (switching-off).

7.3.6.2. By entering the One-time Password, the Customer acknowledges that the parameters of the transaction which were indicated in the SMS with the One-time password do correspond to the parameters of the transaction initiated by the Customer. 7.3.6.3. The Bank shall perform the operation of cancellation (switch-off) of CVV2/CVC2 code verification, initiated by the Customer, subject to the following conditions:

(1) The Customer was previously successfully Authorized;

(2) One-time Password used by the Customer is correct; (3) CVV2/CVC2 code verification was not cancelled (switched off) earlier.

7.3.6.4. Once the Bank performed the operation of cancellation (switch-off) of CVV2/CVC2 code verification, the Customer’s Card shall not be checked for authenticity using CVV2/CVC2 code, and the Customer may carry out Internet and some other transactions without entering the said code. 7.3.6.5. By initiating cancellation (switch-off) of CVV2/CVC2 code verification using the RSS IB, the Customer assumes all risks related to unauthorized use of his/her Card without verification of CVV2/CVC2 code for the purpose of confirmation of the Card’s authenticity. 7.3.7. Renewal (switch-on) of CVV2/CVC2 code verification means the renewal of the mandatory CVV2/CVC2 code verification, which was switched-off earlier, when carrying out Internet and some other transactions using this Card. 7.3.7.1. For the purpose of initiating renewal (switch-on) of CVV2/CVC2 code verification, the Customer should do the following

(1) Go the section of the RSS IB Website where detailed information on the respective Card is provided; (2) Give the RSS IB a command to renew (switch-on) CVV2/CVC2 code verification by pressing respective control elements (buttons) on screen forms of the operation of renewal (switch-on) of CVV2/CVC2 code.

7.3.7.3. The Bank shall perform the operation of renewal (switch-on) of CVV2/CVC2 code verification which is initiated by the Customer subject to the following conditions:

(1) The Customer was previously successfully Authorized;

(2) CVV2/CVC2 code verification was not renewed (switched on) earlier.

7.3.7.4. Once the Bank performed the operation of renewal (switch-on) of CVV2/CVC2 code verification, the Customer will have to enter CVV2/CVC2 code when carrying out Internet and some other transactions, and such transactions shall be successfully completed after the verification of the Card using the said code. 7.3.8. Subscribing to the SMS-notifications service – provision by the Customer via the RSS IB of application for obtaining or relevant information on the status of the Card account and transactions with own Cards in the form of SMS messages to be sent to the mobile number of the Customer. 7.3.8.1. In order to subscribe to the SMS-notifications service the Customer shall do as follows:

(1) To move to the section of the website of the RSS IB with detailed information on the respective Card;

46

(2) If required, to change the mobile telephone number of the Customer to which in the future SMS messages with information on the status of Card account and transactions with own Cards of the Customer;

(3) To give the RSS IB a command to generate the One-time password to confirm the transaction;

(4) To enter one-time password after it arrives on the Safe telephone number by SMS message;

(5) To give the RSS IB command to connect the Card to the SMS-notifications service by pressing the respective controls (buttons) on screen forms of transaction.

7.3.8.2. By entering the one-time password the Customer confirms that parameters of transaction specified in the SMS message with the One-time password match the parameters of the transaction initiated by the Customer. 7.3.8.3. The Bank performs the transaction initiated by the Customer of connection of the Card to “SMS-notifications” service subject to the following conditions:

(1) The Customer Authorization was made successfully;

(2) The One-time password used by the Customer was entered correctly; (3) The Card was not subscribed to the SMS-notifications service before.

7.3.8.4. After the Bank performs the transaction initiated by the Customer of connection of the Card to “SMS-notifications” service via the RSS IB, it is deemed that the Application for the Banking Service “SMS-notifications” is made in electronic form, such Application for banking service is the electronic document and is deemed concluded (executed) in compliance with a written form and cannot be protested because of its electronic form. The above Application for the Banking Service is the integral part of the Agreement on banking services provision (the Agreement). 7.3.9. Unsubscribing from the SMS-notifications system is the cancellation of application initiated by the Customer via the RSS IB (or by filling in of the respective Application for Banking service provision, via the official website of the Bank or via the ATM) and performed by the Bank on obtaining of the current information on the status of the Card Account (including the Card account of individual entrepreneur) and transactions with own cards (including cards of individual entrepreneurs) in the form of SMS messages sent to the mobile telephone of the Customer. 7.3.9.1. In order to unsubscribe from the SMS-notifications service the Customer shall make the following steps:

(1) To move to the section of the RSS IB website with the detailed information on the respective Card;

(2) To give the RSS IB a command to generate the One-time password for transaction confirmation;

(3) To enter the One-time password after it is received to the Secure telephone number by means of the SMS message;

(4) To give the RSS IB a command to unsubscribe the Card from the SMS-notifications service by pressing the respective controls (buttons) on screen forms of transaction.

7.3.9.2. By entering the One-time password the Customer confirms that parameters of transaction specified in the SMS message with the One-time password match the parameters of the transaction initiated by the Customer. 7.3.9.3. The Bank performs the transaction initiated by the Customer of unsubscribing the Card from the SMS-notifications service subject to the following conditions:

(1) The Customer Authorization was made successfully;

(2) The One-time password used by the Customer was entered correctly; (3) The Card was not unsubscribed from the SMS-notifications service before.

7.3.9.4. After the Bank performs the transaction initiated by the Customer of unsubscribing the Card from the SMS-notifications service via the RSS IB, it is deemed that the Agreement between the Bank and the Customer in terms of the SMS-notifications service provision is cancelled, and provision of the SMS-notifications service is terminated. 7.3.10. Performance of regular payments under the Customer’s account in the national currency: performance of transactions (transfers) on a regular basis on the day chosen by the Customer from the current/card account of the Customer defined at initiation of any transaction (transfer) via the RSS IB provided that such function is available for such transaction. The regular payments function is available for:

- Replenishment of current/card account; - Transfer to arbitrary details from the current/card account of the Customer in the national currency; - Increase of deposit amount; - Loan repayment.

7.3.10.1. For performance of regular payments the Customers pays a fee to the Bank as defined by the Tariffs of the Bank effective on the date of actual payment handling for the respective transaction. 7.3.10.2. To initiate regular payments the Customer shall take the following steps:

(1) To choose on the RSS IB website the option “Set regular payment”; (2) To define parameters required for transaction performance, in particular:

- Choose the Debited Account; - Specify the amount of payment; - Specify the account number of the Recipient; - Choose the bank of the Recipient having specified the code (MFO) of the bank where the Recipient’s account is opened; - Specify full name of the Recipient;

(3) Specify the registration number of tax payer card (if not available, series and number of passport) or the EDRPOU code of the Recipient; specify purpose of payment: description of objective or reason for transfer. Specify parameters of regular payment setting:

- starting date of the regular payment period (date starting from which the Customer gives command to initiate fund transfer according to parameters of regular payment repeating set by the Customer) – interval of repeating and calendar day of the month/day of the week of transfer initiation);

- end date of regular payment period (in case of selection of the option “Never” fund transfers according to the parameters of regular payment will be imitated by the RSS IB until the Customer gives command to the RSS IB to stop initiating of such transfers according to settings of such regular payment);

- interval of payment initiation repetition – parameter that indicates with which regularity (on a monthly or weekly basis) the RSS IB shall initiate fund transfer;

- calendar day of the month/day of the week on which fund transfer shall be initiated; - specify the name of regular payment;

(4) Give command to the RSS IB to generate the One-time password for transaction confirmation;

47

(5) Enter one-time password after its receipt to the Secure telephone number by SMS message;

(6) Give the RSS IB a command to perform further regular payments by pressing the respective controls (buttons) on screen forms of transaction.

7.3.10.3. By entering the One-time password the Customer confirms that parameters of transaction specified in the SMS message with the One-time password match the parameters of the transaction initiated by the Customer. 7.3.10.4. The alternative way to set regular payment is to take an action “Make regular” on the RSS IB website just after the successful transfer completion to requisites of the account from own current/card account or after successful transaction current/card account replenishment, increase of deposit amount, loan repayment on the RSS IB website. Creation of a regular payment after successful completion of the above transactions is made by means of the button “make regular” and specification of parameters of a regular payment according to Clause 7.3.10.2. hereof. 7.3.10.5. Regardless of the way of setting of the regular payment, in the future the Bank performs regular payment initiated by the Customer subject to the following conditions:

(1) Currency of debited account matches the currency of credited account;

(2) The Recipient is not a person that belongs to the list of persons related to terrorist activity or subject to international sanctions and has no relation to the countries cooperation with which is forbidden by the Bank or by the Credit Agricole Group;

(3) At the time of transaction initiation on the debited account there are sufficient funds for transfer and payment of the respective fee;

(4) Regular transaction of deposit amount increase, loan repayment, crediting of the Customer’s account is made subject to actual action on the date of performance of transaction of the respective agreement: of bank deposit, bank account, loan, etc.; (5) If the Debited Account is a card account – the card is not blocked, not expired, limit for transactions by means of the RSS IB is not exceeded; (6) The One-time password used by the Customer is entered correctly.

7.3.10.6. Performing regular payments the Bank debits funds in amount defined by parameters of the regular payment and credits or transfers them to accounts defined by parameters of the respective transaction. Monetary funds provided by the Customer for performance of the regular payment are forwarded to the respective accounts: deposit account of the Customer, account for loan repayment, own current/card accounts of the Customer or other accounts specified by the Customer at transaction initiation within the time and according to the procedure set out by the Rules for the respective transaction. 7.3.10.7. If the calendar day of the month specified by the Customer in the regular payment parameters as the day of fund transfer is the 29th, 30th or 31st day of the month but such date does not exist in the current calendar month, the fund transfer will be initiated by the RSS IB on the last calendar day of the current month. 7.3.10.8. The first fund transfer according to the regular payment settings is made no earlier than on the next Banking day after the day of creation of regular payment by the Customer. 7.3.10.9. Procedure and number of attempts of fund transfer initiation by the Bank (in case of lack of funds on current account/card account, blocking or expiry of the Card via which the Card account is debited, unavailability of system on the specified date, etc.) according to the regular payment set by the Customer by means of the RSS IB is defined by the Rules of processing of payments sent via the i-Bank system. The Rules of processing of payments sent via the i-Bank system are placed on the official website of the Bank). 7.3.10.10. The Customer made several settings of regular payments under which the payments shall be made on the same date and as of such date there is not enough funds on the current/card account of the Customer for performance of all transfers and payment of the respective fees, transfers are initiated and performed by the Bank in the order stipulated by internal procedures of the Bank (for example, in the order set by the Customer in the RSS IB).

7.3.10.11. If there is no need in further performance of set and confirmed regular payment, the regular payment may be suspended by the Customer by performance of the action “Suspend payment” on the RSS IB website. 7.3.10.11.1. Suspended regular payment can be reactivated by the Customer by performance of the action “Restore payment” on the RRS IB and after the confirmation of this action by correctly entered One-time password sent in the SMS message to the secure telephone number specified by the Customer. Restoration of fund transfer initiation by the RSS IB under previously suspended regular payment is made on the next Banking day after the performance of the action “Restore payment” on the RSS IB by the Customer. 7.3.10.11.2. Suspended regular payment can be deleted by the Customer from the list of regular payments on a regular basis by performance of the action “Delete payment” on the RSS IB website. 7.3.10.12. If the action of regular payment suspension is made on the set date of fund transfer, the Bank retains the right to make transfer of funds according to the settings of such regular payment in the event if there is no technical possibility not to debit and/or credit funds according to the settings of such regular payments. 7.3.11. Order of additional Card in the name of the Customer – the Card Account Owner: provision by the Customer via the RSS IB of the application for issue of additional Card to the main Card issued in the name of the Customer – the Card Account Owner. 7.3.11.1. For issue of additional card the Customer pays a fee to the Bank as determined by the Tariffs of the Bank effective at the moment of card order initiation via the RSS IB. 7.3.11.2. To initiate ordering of additional Card in the Customer’s name via the RSS IB, the Customer shall take the following steps:

(1) Select “Additional Card issue” option on the RSS IB website; (2) Specify additional parameters required by the RSS IB; (3) Give the RSS IB a command to generate the One-time password for transaction confirmation;

(4) Enter the One-time password after its receipt to the Secure telephone number by SMS message;

(5) Confirm order of additional Card by pressing the respective controls (buttons) on screen forms of transaction.

7.3.11.3. By entering the One-time password the Customer confirms that parameters of transaction specified in the SMS message with the One-time password match the parameters of the transaction initiated by the Customer. 7.3.11.4. The Bank performs the transaction initiated by the Customer subject to the following conditions:

(1) Customer Authorization was made successfully;

(2) At the moment of transaction initiation there is enough funds on debited account for payment of fee for additional card issue;

(3) The One-time password used by the Customer was entered correctly. 7.3.11.5. After the issue of the additional Card by the Bank in the name of the Customer, the Customer can receive such Card personally in the entity of the Bank selected by the Customer in the course of performance of additional Card order transaction via the RSS IB.

48

7.3.12. Setting/change of limits for transactions that can be performed with Card (hereinafter – the Change of Limits): submission of application via the RSS IB by the Customer to the Bank for setting or cancellation (change) of limits for performance of transactions using the Card. 7.3.12.1. To initiate Change of Limits the Customer shall take the following steps:

(1) Go the section of the RSS IB website with detailed information on the respective Card and select “Change of Limits” option;

(2) Specify the category of limit (cash withdrawal, payment for goods and services by the Card (cashless payments), quasi-cash transactions, payments in the Internet), specify the territory of limit effectiveness (Ukraine or other countries), maximum amount (in UAH) of transactions per day of the established limit on the date of its expiry and to give command to the RSS IB for creation of Change of Limits application; (3) Give the RSS IB a command to generate the One-time password for transaction confirmation;

(4) Enter one-time password after its receipt to the Secure telephone number by SMS message;

(5) Confirm change of Limits by pressing the respective controls (buttons) on screen forms of transaction.

7.3.12.2. By entering the One-time Password the Customer confirms that parameters of transaction specified in the SMS message with the One-time Password match the parameters of the transaction initiated by the Customer. 7.3.12.3. The Bank performs the Change of Limits transaction initiated by the Customer subject to the following conditions:

(1) The Customer Authorization was made successfully;

(2) The One-time password used by the Customer was entered correctly.

(3) Specified parameters of amount (in UAH), limit type and validity territory do not contradict the requirements of the Legislation.

7.3.12.4. After the Bank performs the transaction of Change of Limits initiated by the Customer, the Customer can perform transactions with the respective Card only within the latest limit set by him/her while initiating of Change of Limits transaction. 7.3.12.5. Initiating the Change of Limits via the RSS IB, the Customer undertakes all risks related to potential unauthorized usage of his/her Card within the established limits. 7.3.12.6. Limits for the Card issued to the Card accounts in foreign currency are set in UAH equivalent with usage of a special authorization rate of

UAH to foreign currencies (exchange rate for card transactions indicated on the official website of the Bank, section “Purchase”) established by the

Bank on the date of submission of application of Change of Limits by the Customer via the RSS IB and in the future does not change automatically

because of change of rate of UAH to foreign currencies.

7.3.13. Fund transfer in foreign currency between own accounts of the Customer: performance of bank transfer from current/card account of the Customer in foreign currency (hereinafter – the Debited Account) determined at the stage of the transaction initiation, to other current/Card/debit account of the Customer in the same currency opened with the Bank, or an account for repayment of the Customer’s loan opened with the Bank and in the same currency (the Destination Account). 7.3.13.1. For transferring funds in foreign currency performed between the own accounts, the Customer pays a fee to the Bank as determined by the Tariffs of the Bank effective at the moment of transaction initiating. 7.3.13.2. To initiate transfer of funds in foreign currency performed between the own accounts, the Customer shall take the following steps:

(1) Define the target account having selected on the RSS IB website next to the information on the account opened in a foreign currency the option “Replenish”;

(2) Select the number of the Debited account from the list suggested by the Bank;

(3) Specify the amount of transfer and give command to the RSS IB to confirm the transaction;

(4) Give the RSS IB a command to complete fund transfer by pressing the respective controls (buttons) on screen forms of transaction. 7.3.13.4. Transfer initiation is deemed performed only on the date specified by the Customer as the date of transfer initiation. 7.3.13.5. The Bank performs the transaction of fund transfer in foreign currency between own accounts of the Customer subject to the following conditions:

(1) The Customer Authorization was made successfully;

(2) Currency of Debited account matches the currency of the Account for repayment;

(3) At the moment of transaction initiation there is enough funds on debited account for transfer performance and payment of the respective fee.

7.3.13.6. Performing the fund transfer transaction in foreign currency between own current/card accounts of the Customer the Bank debits funds in amount of transfer from the Debited Account and transfers them to the target account specified by the Customer at initiation of transaction and debits the respective fee from the Debited Account. 7.3.14. Payment for services of legal entities and private entrepreneurs – means performance of bank transfer from the Customer’s current/Card account (hereinafter – the Debited account) defined while the transaction initiation, to the Account of legal entity or private entrepreneur (hereinafter – the Beneficiary) which concluded agreement with “Financial company “MBK” LLC (hereinafter – the FC) on organization and ensuring of funds acceptance and settlements of payments initiated via RSS IB. 7.3.14.1. For payment of services the Customer shall pay commission to the Bank in the amount defined in the Tariffs of the Bank valid as at the date of transaction initiation. 7.3.14.2. In order to initiate the payment of services the Customer shall take the following steps: (1) Go to section “Payment of services” of the RSS IB website with general information about the beneficiaries, and select necessary one to pay the services; (2) Specify details of agreement on service delivery/performance/sales or purchase concluded between the Customer and the Beneficiary; (3) Specify the amount of transfer; (4) Select number of the Debited account from the list offered by the Bank; (5) Give the RSS IB a command to generate one-time password to confirm the transaction; (6) Enter the One-time password after its receipt in SMS sent to the Safe telephone number, and then give the RSS IB a command to transfer funds by clicking on relevant controls (buttons) on the screen form of transfer transaction. 7.3.14.3. By entering the One-time password the Customer confirms that details of banking transactions specified in SMS are compliant with details of transaction initiated by the Customer. 7.3.14.4. The Bank shall perform the transaction initiated by the Customer provided the following: (1) The Customer’s Authorization has been already successfully completed;

49

(2) The Beneficiary is not a person on the list of people connected with terrorist activities or persons under international sanctions, and doesn’t relate to countries prohibited by the Bank or the Credit Agricole Group; (3) At the moment of transaction initiation, the balance of the debited account is sufficient to make transfer and pay relevant commission; (4) The One-time password used by the Customer was entered correctly. 7.3.14.5. When performing transaction of payment of services, the Bank shall debit the Debited account with the transfer amount and transfers it to the Beneficiary’s Account specified by the Customer at transaction initiation, as well as respective commission from the Debited account. If the amount fails to be debited due to technical reasons and is returned to the Debited account, the Bank may re-debit funds from the Debited account in order to credit the FC account for further transfer to the Beneficiary’s Account. 7.3.14.6. With the help of the RSS IB the Customer can print out the Receipt of performed transaction on payment of services, which is conformation of the funds’ crediting to the Beneficiary’s Account. 7.3.15. Purchasing or selling of non-cash foreign currency (FX exchange) – performance of transactions on purchasing or selling of foreign currency using the RSS IB/Mobile application by the Customer. The transactions shall be available for the following currencies: UAH, USD, and EUR. 7.3.15.1. To initiate purchasing or selling of non-cash foreign currency the Customer shall do the following: (1) Go to section “FX exchange” and select currency which the Customer wishes to buy or sell; (2) Select the number of Account to be debited from the list provided by the Bank; (3) Specify the amount of currency to be bought/sold (within the amount established by the law) at the exchange rate of the Bank established by the Bank for such transactions in the RSS IB/Mobile application; (4) Determine the Account to be credited with relevant currency bought or received from sale; (5) Give command to generate the One-time password to confirm transaction; (6) Enter One-time password once it is received in SMS to the Secure phone number; (7) Confirm or cancel currency transaction by pushing relevant controls (buttons) on the transaction’s screen forms. 7.3.15.2. By entering the One-time password, the Customer gives remote instruction to the Bank to buy, sell non-cash foreign currency, and confirms his/her intention to initiate FX transaction in the amount entered by him/herself at the established exchange rate of the Bank in relevant currency, and the Bank has the right to perform direct debit from the relevant account and in the amount specified by the Customer, which is sufficient to buy or sell non-cash foreign currency. The remote instruction shall be processes and either performed or rejected by the Bank on the date when such instruction is received by the RSS IB/Mobile application. 7.3.15.3. The Bank shall perform the transaction on purchasing or selling of non-cash foreign currency provided as follows: (1) The Customer's Authorization was successful; (2) The Customer has open accounts in the national currency and currency to be bought/sold; (3) The balance of the Account to be debited is sufficient to be debited with the amount required for currency transaction performance in a respective currency; (4) The amount of currency to be bought/sold by the Customer does not exceed the limit amount established by the law; (5) No limits are available in the Account to be credited or the Account to be debited. The Bank may refuse to execute the Customer’s remote instruction and perform the transaction if conditions specified in sub-clause 7.3.15.3 of the Rules are not met. Information about performed FX transactions including the Bank’s exchange rate effective as at the date of FX transaction sha ll be displayed in section “FX exchange”, as well as sections “History of transactions” of relevant accounts which were debited or credited with funds as a result of performed FX exchange transaction.

7.4. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING DEPOSIT TRANSACTIONS USING THE RSS IB 7.4.1. Opening a deposit refers to submitting an Application on banking service provision in an electronic form by the Customer via IB SSR. 7.4.1.1. In order to initiate the opening (placing) of a deposit via IB SSR, the Customer shall take the following steps: (1) Select “Deposit opening” on the IB SSR website; (2) Indicate the mandatory parameters required by the IB SSR (deposit currency, term, amount, numbers of the Debited Account, Accounts for interest repayment/deposit return, etc.); (3) To command IB SSR to generate a One-time Password to confirm the transaction;

(4) Enter the One-time Password upon its receipt on the Secure number via SMS (signing an Application on banking services provision in an electronic form);

(5) To confirm opening a deposit account by means of clicking respective control keys on the screen forms of transaction.

7.4.1.2. By entering a One-time Password the Customer confirms that the operation parameters conform with the parameters of the operation initiated by the Customer, as well as the fact that he/she has read and understood the certificate on the PI Deposit Guarantee System and clause 4 of article 26 of the Law of Ukraine “On the PI Deposit Guarantee System”. 7.4.1.3. The Bank shall carry out the transaction initiated by the Customer under the following conditions: (1) The Customer has been identified and verified by the Bank;

(2) The Customer has a valid Agreement at the moment of the service provision;

(3) Customer Authorization has been previously successfully performed;

(4) At the moment of initiating a transaction, the funds on the Debited Account are sufficient for debiting the minimum deposit amount;

(5) The One-time Password used by the Customer has been entered correctly. 7.4.1.4. After the Bank carries out the transaction initiated by the Customer on opening (placing) a deposit, the Customer may receive an Application on providing “PI Deposit” banking service in hard copy in an entity of the Bank. 7.4.2. Increasing deposit amount – performance of bank transfer from the Depositor’s current/Card account when initiating the increase of deposit amount to deposit or other account in which the deposit specified in the bank deposit agreement/banking service agreement concluded between the Bank and Depositor is accounted for. Deposit amount is increased solely when adhering to the conditions of respective bank deposit agreement/banking service agreement.

50

7.4.2.1. The Bank has a right to refuse Depositor in imitating bank deposit increase transaction using the RSS IB and/or performing bank deposit increase transaction using the RSS IB at its own initiative and its own discretion namely (but not limited to) if the RSS IB capabilities do not allow to initiate and/or perform such transaction with adherence to conditions or respective bank deposit agreement/banking service agreement. In the case specified in this clause the Depositor may replenish the deposit amount at the Bank outlet. 7.4.2.2. In order to initiate deposit amount replenishment the Depositor should carry out the following steps:

(1) Go to section of the RSS IB with detailed information about the deposit and give a command to the RSS IB to replenish deposit, by choosing the “Replenish” option;

(2) Select among Depositor’s current/card accounts opened in deposit currency and account from which funds for deposit replenishment will be transferred;

(3) Specify the deposit replenishment amount;

(4) Give the RSS IB a command to replenish the deposit amount by pressing the respective control elements (buttons) on the screen forms of deposit replenishment transaction.

7.4.2.3. By pressing the image with the word “Replenish” the Customer confirms his/her intention to initiate Customer’s deposit amount replenishment. At that the Parties have agreed that performance of actions leading to transfer to the screen form displaying the result of deposit amount replenishment transaction is equivalent to the electronic signature of electronic document for the transfer and does not require additional drawing up of paper documents. 7.4.2.4. The Bank performs deposit replenishment transaction initiated by the Depositor under the following conditions:

(1) The Depositor was previously successfully Authorized.

(2) There is sufficient amount of funds for the transfer on the current/card account specified by the Depositor;

(3) Deposit amount replenishment does not contradict the conditions of deposit placement.

7.4.2.5. After the Bank performs deposit amount replenishment transaction initiated by the Depositor in line with the bank deposit agreement/banking service agreement the deposit amount shall be increased and in future it will be taken into account when accruing interest. 7.4.3. Reduction of deposit amount (partial deposit redemption) – performing the bank transfer from the deposit or other account on which the deposit is accounted for, specified in the bank deposit agreement/banking service agreement concluded between the Bank and Depositor to the Depositor’s current/Card account specified by the conditions of respective bank deposit agreement/banking service agreement. Deposit amount is reduced solely in compliance with conditions of the respective bank deposit agreement/banking service agreement. 7.4.3.1. The Bank has a right to decline Depositor in initiating using the RSS IB and/ or fulfillment of bank transaction of reducing the deposit amount at its own initiative and discretion, namely (but not limited to) if the RSS IB capabilities do not allow to initiate and/or perform such transaction with adherence to conditions of respective bank deposit agreement/banking service agreement. In such a case the Depositor may reduce the deposit amount at the Bank outlet. 7.4.3.2. In order to initiate the deposit amount reduction the Depositor should carry out the following steps:

(1) Go to section of the RSS IB with detailed information about the deposit and give a command to the RSS IB to redeem a part of deposit amount, by choosing the “Withdraw” option;

(2) Select among Depositor’s current/card accounts opened in deposit currency account to which funds will be transferred during deposit amount reduction;

(3) Specify the deposit reduction amount;

(4) Give the RSS IB a command to reduce the deposit amount by pressing the respective control elements (buttons) on the screen forms of deposit reduction transaction.

7.4.3.3. By pressing the image with the word “Withdraw” the Customer confirms his/her intention to initiate Customer’s deposit amount reduction. At that the Parties have agreed that performance of actions leading to transfer to the screen form displaying the result of deposit amount reduction transaction is equivalent to the electronic signature of electronic document for the transfer and does not require additional drawing up of paper documents. 7.4.3.4. The Bank performs deposit reduction transaction initiated by the Depositor under the following conditions:

(1) The Depositor was previously successfully Authorized;

(2) There is sufficient amount of funds for the transfer on the current/card account specified by the Depositor;

(3) Deposit amount reduction does not contradict the conditions of bank deposit agreement/banking service agreement;

7.4.3.5. After the Bank performed deposit amount reduction transaction initiated by the Depositor in line with conditions of the Agreement/bank deposit agreement, the amount will be reduced and in future the amount by which the deposit was reduced will not be taken into account when accruing interest. 7.4.4. The Bank and the Customer, by means of entering into the Agreement, have agreed that the One-time Password has an ES status and that all the transactions / documents / initiatives, including but not limited to any agreements within the limits of the Rules in a form of electronic documents signed / certified electronically as an ES shall be deemed signed by the Customer himself/herself. An ES cannot be deemed invalid due to its electronic form or due to the fact that it does not have an electronic digital signature (EDS) status. 7.4.4.1. All banking transactions / documents / initiatives carried out electronically are electronic documents and are considered to comply with the written form and cannot be challenged due to their electronic form. 7.4.4.2. The Customer shall be solely and fully responsible for all the consequences of the access and/or initiating banking transactions by third parties, provided that they receive information about the Login and/or the First Sign-in password, and/or the Logon Password, and/or the One-time Password in any way, including, but not limited to, direct negligent or intentional communication by the Customer of the confidential information specified in this clause to third parties, selection of the Login, Logon Password and/or the One-time password, etc., by third parties. 7.5. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING TRANSACTIONS USING THE RSS IB REGARDING LOANS ISSUED TO THE CUSTOMER 7.5.1.1. Loan repayment – making a bank transfer from the Customer’s current/card account (hereinafter, the Deposited Account) to the account for repayment (hereinafter, the Repayment Account) of the loan issued to the Customer in line with the loan agreement concluded between the Bank and the Customer. 7.5.1.2. In order to initiate loan repayment transaction the Customer should perform the following steps:

51

(1) Open on the RSS IB site a section with general information about respective loan agreement and select “Repay” option. Account for loan repayment is specified by conditions of the Loan Agreement selected by the Customer;

(2) Specify the Debited Account by selecting one among his/her current/Card accounts opened with the Bank in the loan currency;

(3) Specify loan repayment amount;

(4) Give the RSS IB a command to repay the loan by pressing respective control elements (buttons) on the screen forms of the loan repayment transaction.

7.5.1.3. By pressing the image with the word “Repay” the Customer confirms his/her intention to initiate loan repayment. At that the Parties have agreed that fulfillment of actions leading to transfer to the screen form with the result of loan repayment transaction is equivalent to the electronic signature of the transfer document and does not require additional drawing up of any paper documents. 7.5.1.4. The Bank performs loan repayment transaction initiated by the Customer under the following conditions:

(1) The Customer was previously successfully Authorized;

(2) Currency of Debited Account is the same as the currency of the Account for repayment;

(3) The Debited Account has sufficient amount of funds to repay the loan in amount specified by the Customer;

7.5.1.5. When performing loan repayment transaction the Bank debits funds in amount of the loan repayment from the Debited Account and enters them to the Repayment Account. Funds provided by the Customer and placed on Repayment Account are sent for loan repayment within the period and according to procedures provided for by the respective loan agreement. 7.6. OBLIGATIONS OF THE PARTIES 7.6.1. The Bank shall:

7.6.1.1. Grant to the Customer access to the RSS IB in line with Agreement conditions and Rules.

7.6.1.2. Perform Customer’s remote instructions signed using the One-time Password (unless otherwise expressly provided hereby when entering One-time Password is not required), if they comply with conditions of the Agreement and Rules.

7.6.1.3. On the Customer’s request provide documentary confirmation of any bank transaction performed by the Customer at the Bank outlet or by any other means upon mutual agreement of the Parties.

7.6.1.4. Perform other specified herein obligations regarding bank transactions initiated by the Customer in the RSS IB.

7.6.1.5. Other obligations stipulated herein.

7.6.2. The Customer shall:

7.6.2.1. Access the RSS IB using hardware and software means complying with the following requirements:

(1) In order to work with RSS IB it is recommended to use a separate computer with limited access which is not used to visit Internet websites, and which has installed only software and hardware required for operation of the RSS IB. The Customer shall regularly monitor the appearance, and if possible install all security updates (patches) from hardware and software producers (Windows, iOS, etc.) installed on the workstation. (2) the Customer shall use on the workstation only licensed anti-virus software from the well-known producers; regularly update anti-virus bases; if possible use specialized software security means: personal firewalls, antispyware software, HIPS systems, etc. with the maximum possible security settings. (3) Proper operation of i-Bank is supported in the next versions (and above) of the web-browsers and operating systems: Browsers for personal computers: • Chrome 39+ • Internet Explorer 10+ • Firefox 35+

• Opera 26+

Browsers preinstalled in operating systems:

• Apple iOS 5+ (Safari)

• Android 4.0 (ICS)

• Android 4.1-4.3 (Jelly Bean)

• Android 4.4+

• Windows Phone 7.5+

Other mobile browsers:

• Firefox Mobile 18+

• Chrome for Android 18+

• Opera Mobile 11.5+

7.6.2.2. Ensure that the Login, First Logon Password, Logon Password and One-time Password are unavailable to the third parties.

7.6.2.3. In case the Secure Phone Number or identification data are changed and/or in the event of unauthorized access to them /their possession by the third parties immediately give the Bank current information.

7.6.2.4. Fulfill requirements of Rules and Recommendations for secure operation in the RSS IB, which are published on the Bank Official Website, when using and initiating every bank transaction with the help of the RSS IB.

7.6.2.5. Pay fees for the services received using the RSS IB in line with current Bank tariffs.

7.6.2.6. Not perform actions in the RSS IB which may prevent other Customers from permanently or temporarily using the RSS IB. If the Customer violates this obligation, then he/she shall reimburse to the Bank and other Customers the inflicted financial and/or moral damage caused by respective actions of the Customer.

7.6.2.7. Fulfil other Customer’s obligations specified by the Rules regarding bank transactions performed in the RSS. 7.6.2.8. Other duties stipulated herein.

52

7.7. RIGHTS OF THE PARTIES 7.7.1. The Bank shall have the right to:

7.7.1.1. When rendering services within the i-Bank Service independently debit respective fees in line with the Bank Tariffs;

7.7.1.2. Suspend or block access to the RSS IB under the following conditions: a) Suspicions about performing fraudulent activities using the RSS IB;

b) Unauthorized intervention into operation of the RSS IB which caused information leakage, loss, forgery, block, or disfigured information processing or violation of its routing procedures;

c) The Customer using any software that may negatively influence the RSS IB operation;

d) Untimely fulfill Customer’s obligations under any agreement concluded between the Bank and the Customer;

e) The Customer’s failing to provide required information/documents for his/her due diligence (including updating the received and existing documents, data and information about the Customer), as well as for fulfillment of other requirements of the financial monitoring Legislation.

7.7.1.3. To block the Customer’s access to the RSS IB for repairs and routine maintenance upon prior notification of the Customer.

7.7.1.4. Other rights stipulated herein.

7.7.2. The Customer shall have the right to:

7.7.2.1. At his/her own discretion use the RSS IB services in line with conditions of the Agreement and the Rules.

7.7.2.2. Demand from the Bank to receive (at the Bank outlet or by any other means upon the agreement of the Parties) a documentary confirmation of the bank transaction performed by the Customer in the RSS IB;

7.7.2.3. Block access to the RSS IB by personally applying to the Bank outlet or calling the Contact Center and giving identification details: full name and/or taxpayer’s card number and/or birth date and/or passport series and number and/or Secure phone number and/or current account number and/or the Card number and/or password indicated by the Customer when registering in the RSS IB/opening the Card Account with the Bank.

7.7.2.4. Other rights stipulated herein.

7.8. RESPONSIBILITY OF THE PARTIES 7.8.1. The Bank shall not bear responsibility for the lack of access to the RSS IB or incorrect operation of the RSS IB in case the Customer for such access uses hardware and software non-compliant with the requirements hereof or if the Customer carries out other actions which are non-compliant with requirements hereof.

7.8.2. By signing the Application for the i-Bank Service the Customer confirms that the Secure Phone Number that he/she specified during registration on the RSS IB website or in the Application for Banking Service, the Login, the First Logon Password, the Logon Password and the One-time Password are available only to him/her and that these data are unavailable to other persons. All the risks and all the responsibility related to the performance of this Clause of the Agreement shall be borne by the Customer.

7.8.3. The Customer shall reimburse in full all the losses incurred by the Bank due to sanctions that were applied to the Bank for the erroneous and/or guilty (willful or due to negligence) actions of the Customer. VIII. CUSTOMER SERVICING WITH THE HELP OF PAYMENT APPLICATION “CA+” 8.1. GENERAL PROVISIONS 8.1.1. Use of the service Payment Application (hereinafter, PA “CA+”) allows the Customer to initiate payment and other transactions not related to entrepreneurial activity with the help of software installed in technical/mobile device. 8.1.2. The Customer shall install and use PA “CA+” via the Internet. 8.1.3. The access to the Internet, as well as the order of Customer’s using the technical means and software necessary for the use of PA “CA+” shall not be the subject of the Agreement and shall be ensured by the Customer independently at his/her own expense. 8.1.4. In case of using PA “CA+”, the Customer shall agree to all risks involved in work on the Internet in advance. 8.1.5. The Customer can use PA “CA+” only after successful Customer Authorization, which is considered as such if the Customer enters correct Login and Password to login. 8.1.6. Login Password shall meet the following requirements:

(1) Shall consist of at least 8 (eight) digits, among which at least one of upper and lower case letter and at least one figure and one special symbol;

(2) Shall not contain Cyrillic letters; (3) Every new Password shall be different from the previous Login Password. Immediately before changing the Login Password, the Customer

shall familiarize himself/herself with recommendations of the Bank about choosing passwords, set out in the Payment Application. (4) In order to go through authorization in PA “CA+”, digital access code which is created by the Customer himself/herself or means of biometric

identification of mobile device owner (for example, fingerprint scanning, face scanning, etc.) can be used. 8.1.7. Login (or username) is a Safe telephone number of the Customer he/she specified during the account opening in the Bank. 8.1.8. By concluding the Agreement under Article 207 of the Civil Code of Ukraine, the Bank and the Customer have agreed about possible (acceptable, lawful) use of the One-time password, which is a simple electronic signature (hereinafter, the ES) during initiation, confirmation, etc., through PA “CA+” of any transaction provided for by the Rules with any Customer’s account opened with the Bank (except for transactions on funds transfer between the Customer’s own accounts and/or accounts for repayment of debt under the Customer’s loan, the sufficient condition for them to be recognized as signed with the Customer’s ES is the Customer’s clicking on the image with relevant command for making a transfer after his/her successful Authorization in PA “CA+”). 8.1.9. By concluding the Agreement, the Bank and the Customer have agreed that the One-time password shall have a status of the ES and all transactions/documents/initiatives (including, but not limited to any agreements within the Rules in the form of electronic documents, any documents provided by the Customer for his/her identification/verification/ due diligence by the Bank) signed/certified in electronic form by the ES shall be considered signed by the Customer by his/her own hand. The ES cannot be considered invalid due to its electronic form or due to the fact that the ES does not have a status of qualified electronic signature. 8.1.10. All banking transactions, documents/initiatives made in electronic form shall be electronic documents and shall be considered concluded in compliance with written form, and cannot be appealed against due to their electronic form.

53

8.1.11. Any new Login Password and/or the One-time password provided to the Customer by the Bank or changed by the Customer in accordance with provisions of the Agreement and the Rules shall be recognized by the Agreement and the Rules respectively as the Login Password and the One-time password. Previous Login Passwords and/or One-time passwords shall be considered invalid (incorrect). 8.1.12. The Parties have agreed that Passwords represent confidential data, and that is why the Customer shall ensure by him/herself inaccessibility of the Login, the Login Password, and the One-time password by the third parties. 8.1.13. The Customer shall be solely and fully liable for all consequencies caused by access and/or initiation of banking transactions by the third parties, in case of their obtaining of information about the Login and/or the Login password and/or the One-time password in any way whatsoever, particularly, but not limited to direct informing of the confidential information mentioned herein to the third parties by the Customer through negligence or intentionally, guessing of the Login, the Login password and/or the One-time password, etc., by the third parties. 8.1.14. If the Customer lost (forgot) the Login password, he/she can initiate its recovery by him/herself in PA “CA+” or by contacting the Contact Center of the Bank. 8.1.15. The Customer can change the Safe telephone number of his/her mobile phone by filing an application in the Bank’s entity or contacting the Contact Center of the Bank. 8.1.16. The Customer shall bear all risks and negative implications of unlawful appropriation, technical interception of information, etc., of the Customer’s mobile phone and/or respective SIM card. 8.1.17. The date of performance of banking transaction initiated by the Customer shall be the date independently determined by the Bank during performance of respective banking transaction, but spread between the calendar date of banking transaction initiation and the date of its performance shall not exceed 1 (one) banking day. 8.1.18. The Bank shall perform the Customer’s instruction on initiation of a banking transaction given through PA “CA+” during the Operational day on which such instruction is received and the value date shall be on the same date. The Customer’s instructions on initiation of a banking transaction given through PA “CA+”, which is received from the Customer during post-operational time shall be performed on the next Operational Day and the value date shall be on the same (the next) Operational Day. 8.1.19. By checking the box next to the link to these Rules during registration in Pa “CA+”, the Customer, particularly acknowledges his/her consent to his/her complying with adhere to provisions of these Rules in terms of PA “CA+” use. 8.1.20. Each separate banking transaction initiated under the Rules shall be governed by the version of the Rules effective as of the time of initiation of respective banking transaction, uless otherwise expressly stated in such version of the Rules. 8.2. ACCESS TO PA “CA+” 8.2.1. Access to PA “CA+” enables the Customer to perform the following transactions and actions: 8.2.1.1. Transactions/actions with accounts and Cards: (1) Review of general information about current/Card Accounts of the Customer opened with the Bank, information on account balances and available amounts; (2) Receipt of details for replenishment of the current/Card Account from other banks; (3) Review of history of transactions made in the current/Card Account of the Customer; (4) Replenishment of the current/Card Account; (5) Transfer to arbitrary details from the Customer’s current/Card Account in the national currency; (6) Transfer to the Card number from the Customer’s Card Account in the national currency; (7) Blocking/unblocking of the Card; (8) Change of Authorized Limits of the Card; (9) Transfer between Customer’s own accounts in foreign currency; (10) Payment of services of legal entities and private entrepreneurs (including payments for utility services); (11) Managing the “Mobile savings” Saving Account; (12) Purchase, sale of cashless foreign currency (foreign currency exchange). 8.2.1.2. Transactions/actions with other Customer’s Cards issued by other banks: (1) Saving of general information about other Card of the Customer for its further simplified use; (2) Replenishment of current/Card Account opened with the Bank; (3) Transfer to arbitrary details in the national currency; (4) Transfer to the Card number in the national currency; (5) Replenishment of deposit; (6) Loan repayment. 8.2.1.3. Deposit transactions and transactions/actions with deposits placed with the Bank: (1) Review of general information about Customer’s deposits placed with the Bank; (2) Review of history of transactions made in deposit accounts of the Customer; (3) Placement of deposit; (4) Increasing of deposit amount; (5) Decreasing of deposit amount. 8.2.1.4. Transactions/actions on loans issued to the Customer by the Bank: (1) Review of general information about loans issued to the Customer by the Bank; (2) Review of history of transactions performed on loans issued to the Customer by the Bank; (3) Repayment of loans issued to the Customer by the Bank (except for full (final) repayment of debt under loan agreement, which has to be made in the Bank entity). 8.2.2. The Customer can get access to PA “CA+” if: (1) The Customer has a current and/or /Card Account and/or deposit account in any currency and/or account for repayment of debt under loan agreement in any currency opened with the Bank; (2) The Customer went through the registration procedure; (3) As of the date of access, no clarification of information and document copies on the basis of which the identification of the Customer was performed earlier are required.

54

8.2.3. The Bank shall grant access to the RSS IB to the Customer only in case of the Customer’s successful Authorization, which is considered as such if the Customer entered correct Login and Login password or digital access code or means of biometric identification of mobile device owner. 8.2.4. The Bank shall independently establish the list of banking transactions available via PA “CA+”. 8.2.5. The Customer shall agree to all possible risks that may occure in case of PA “CA+” downloading and/or installing on any device not compliant with operational system requirements specified on PA “CA+” official pages in Play Market and AppStore. In such case, the Bank shall not be responsible for correct operation of PA “CA+” if it is installed and/or used on any devices with operational systems not compliant with the technical requirements specified on the official website of the Bank and/or PA “CA+” official pages in Play Market and AppStore (including on devices with operational systems with additionally installed administrative rights of any kind not compliant with official requirements to operational systems). 8.3. CONDITIONS AND PROCEDURE FOR INITIATION AND PERFORMANCE OF TRANSACTIONS WITH ACCOUNTS AND PAYMENT CARDS VIA PA “CA+” 8.3.1. Crediting of account – means performance of bank transfer from one current/Card Account of the Customer/other Card of the Customer (hereinafter, the Debited Account) to another current/Card Account of the Customer (hereinafter, the Destination Account), selected by the Customer during initiation of account crediting. 8.3.1.1. The Customer shall pay commission to the Bank for crediting account via PA “CA+”, which is defined by the Bank’s Tariffs effective as at the moment of transaction initiation. 8.3.1.2. For the purpose of initiating the account crediting the Customer shall make the following steps: (1) In PA “CA+”, select the Destination Account by choosing the option “Replenish” on the setting screen of the current/Card Account of the Customer he/she wants to credit; (2) Select the Debited Account by choosing one of own current/Card Accounts suggested by the Bank; (3) Enter the amount credited; (4) Give PA “CA+” a command to credit account by pressing respective controls (buttons) on screen forms of account crediting transaction. 8.3.1.3. By pressing respective image with a command to perform transaction, the Customer confirms his/her intention to initiate funds transfer between his/her accounts. At that, the Parties have agreed that performance of actions, which result in transferring to the screen form displaying the result of transaction, shall be equivalent to electronic signature of electronic document on transfer and shall not require additional formalization of any paper documents. 8.3.1.4. The Bank shall perform the transaction on account crediting initiated by the Customer under the following conditions: (1) The Customer has successfully went through the Authorization earlier; (2) Currency of the Debited Account matches with the currency of the Destination Account; (3) Funds in the Debited Account are sufficient to make replenishment and pay respective commission. 8.3.1.5. During the transaction on account crediting the Bank shall debit funds in the amount credited from the Debited Account and credit it to the Destination Account, and also debit commission from the Debited Account for performance of transaction initiated by the Customer. 8.3.2. Transfer to the random bank details from the Customer’s account in national currency – performing bank transfer from the Customer’s current/Card account/other Card of the Customer (hereinafter, the Debited Account) which is determined when transaction is initiated, to the Account of other legal entity or private individual (hereinafter, the Recipient). 8.3.2.1. For the performance of transfer to random bank details the Customer pays a fee to the Bank which is determined by the current Bank Tariffs as of the moment when transaction is initiated; 8.3.2.2. In order to initiate transfer to the random bank details the Customer should make the following steps: (1) Select “Create payment” option in the menu “Payments” – “To details” of PA “CA+”; (2) Specify the account number of the Recipient under IBAN format; (3) Specify whether the Recipient is registered on the territory of Ukraine (if not, select the Recipient’s country of registration); (4) Specify surname, name and patronymic or full name of the Recipient; (5) Specify the tax payer registration number (passport series and number, if unavailable) or the Recipient’s EDRPOU code; (6) Specify the purpose of payment – description of the purpose or reason for payment; (7) Specify the transfer amount and select one of own current/Card accounts suggested by the Bank; (8) Give PA “CA+” a command to generate the One-time password for transaction confirmation; (9) Enter the One-time password after its receipt in SMS sent to the Safe telephone number, and give PA “CA+” a command to transfer funds by pressing respective controls (buttons) on the screen form of funds transfer transaction. 8.3.2.3. By entering the One-time Password, the Customer confirms that bank transaction parameters specified in the SMS message with the One-time Password correspond to parameters of transaction initiated by the Customer. 8.3.2.4. The transfer is considered initiated solely on the occurrence of the date indicated by the Customer as the date for initiation of transaction. 8.3.2.5. The Bank performs transfer transaction initiated by the Customer to the random bank details under the following conditions: (1) The Customer was previously successfully Authorized; (2) The Recipient is not a person from the list of persons related to terrorist activity or persons to whom international sanctions are applied, and is not related to the countries banned by the Bank or Credit Agricole Group for dealing with; (3) As of the moment of the money debiting the Debited Account has sufficient amount of funds for the transfer and payment of fees; (4) The One-time Password used by the Customer is correct. 8.3.2.6. When performing transfer transaction to the random bank details the Bank debits funds in amount of the transfer from the Debited Account and transfers them to the Recipient’s Account specified by the Customer when initiating the transaction, and also debits respective fee from the Account. 8.3.3. Transfer to the Card number from the Customer’s Card Account in national currency – performing bank transfer from the Customer’s Card account/other Card of the Customer (hereinafter, the Debited Account) which is determined when transaction is initiated, to the Card Account of other private individual (hereinafter, the Recipient) opened with the Bank using the Card number, which is issued to such Card Account. 8.3.3.1. For the performance of transfer to the Card number the Customer pays a fee to the Bank which is determined by the current Bank Tariffs as of the moment when transaction is initiated; 8.3.3.2. In order to initiate transfer to the Card number the Customer should make the following steps: (1) Select the Debited Account by choosing the “Transfer” option in PA “CA+” on the screen with the Customer’s Card Account settings, opened in national currency from which he/she wants to make a transfer, or select “Card-to-card transfer” in the menu “Payments” of PA “CA+”; (2) Specify the Card number of the Recipient;

55

(3) Specify the transfer amount and select one of own current/Card accounts suggested by the Bank; (4) Give PA “CA+” a command to generate the One-time password for transaction confirmation; (5) Enter the One-time password after its receipt in SMS sent to the Safe telephone number, and give PA “CA+” a command to transfer funds by pressing respective controls (buttons) on the screen form of funds transfer transaction. 8.3.3.3. By entering the One-time password, the Customer acknowledges that the parameters of the banking transaction which were indicated in the SMS with the One-time password do correspond to the parameters of the transaction initiated by the Customer. 8.3.3.4. The date of initiation of transfer shall be the current date of initiation of respective transaction. 8.3.3.5. The Bank shall perform money transfer transactions using Card number, initiated by the Customer, subject to the following conditions: (1) The Customer was previously successfully Authorized; (2) The Recipient is not a person from the list of persons related to terrorist activity or persons to whom international sanctions are applied, and is not related to the countries banned by the Bank or Credit Agricole Group for dealing with; (3) As of the moment of initiation of transaction the amount of funds in the Account is sufficient for the transfer and payment of fees; (4) The One-time Password used by the Customer is correct. 8.3.3.6. When carrying out money transfers using the Card number, the Bank shall debit funds in the amount of the transfer from the Debited Account and credit them to the Recipient’s Card Account (the Card to which was indicated by the Customer at the initiation of the transaction), as well as debit respective fee from the Account. 8.3.4. Card Blocking – temporary ban on transactions in the Card Account using the Card, which require the Bank authorization pursuant to the rules of the respective payment system of the Card. In case of loss or theft of the Card, in order to prevent unauthorized use thereof, the Customer has to act pursuant to the terms of the Section IV hereof.

8.3.4.1. For the purpose of Card Blocking (entry on the Stop List), the Customer has to act as follows:

(1) Go to the respective section of the PA “CA+”, which contains the information on the respective Card;

(2) Give PA “CA+”a command for Card Blocking by pressing respective controls elements (buttons) on screen forms of Card Blocking transaction.

8.3.4.2. The Bank shall perform Card Blocking transaction initiated by the Customer subject to the following conditions:

(1) The Customer was previously successfully Authorized;

(2) The Card was not blocked earlier.

7.3.4.3. Once the Bank performed the Card Blocking transaction, which was initiated by the Customer, such Card shall be deemed blocked, and all Card transactions requiring authorization by the Bank shall become impossible.

8.3.5. Card Unblocking means cancellation of the temporary ban on Card transactions requiring authorization by the Bank pursuant to the rules of the payment system to which the respective Card belongs (cancellation of Card Blocking) initiated by the Customer and performed by the Bank. 8.3.5.1. To initiate Card unblocking the Customer has to do the following operations: (1) Go to the section of PA “CA+” where detailed information on the respective Card is given; (2) Give PA “CA+”a command to generate the One-time Password to confirm the operation; (3) Having received the One-time Password in SMS on the Secure Phone Number, enter it and give PA “CA+”a command to unblock the Card funds by pressing respective control elements (buttons) on the screen forms of Card unblocking operations. At that, the Parties agreed that the confirmation of the operations using the One-time Password shall be considered as electronic signature on electronic document and does not require additional execution of any paper-based documents; (4) Give PA “CA+” a command to unblock the Card by pressing respective control elements (buttons) on the screen forms of Card unblocking operation.

8.3.5.2. By entering the One-time password the Customer acknowledges that the parameters of the transaction which were indicated in the SMS with the One-time password do correspond to the parameters of the transaction initiated by the Customer. 8.3.5.3. The Bank shall perform the Card unblocking operation initiated by the Customer subject to following conditions: (1) The Customer was previously successfully Authorized; (2) The One-time Password used by the Customer is correct; (3) The Card was blocked using the PA “CA+”/via internet-banking/by calling the Contact Center and giving the reason for the Card blocking as “loss of the Card”. 8.3.5.4. Once the Bank performed the Card unblocking operation initiated by the Customer, such Card shall be deemed active, and all Card transactions requiring authorization by the Bank shall be possible. 8.3.6. Setting/change of limits for transactions that can be performed with the Card (hereinafter – the Change of Limits): submission of application via the PA “CA+”by the Customer to the Bank for setting or cancellation (change) of limits for performance of transactions using the Card. 8.3.6.1. To initiate Change of Limits the Customer shall take the following steps: (1) Go the section of the PA “CA+” with the Card settings and select “Change of Limits” option;

(2) Activate the limits or specify the period of card limits expiry and give PA “CA+” a command to create the Change of Limits application; (3) Give the PA “CA+” a command to generate the One-time password for transaction confirmation;

(4) Enter the One-time password after its receipt to the Secure telephone number by SMS message;

(5) Confirm change of Limits by pressing the respective controls (buttons) on screen forms of transaction.

8.3.6.2. By entering the One-time Password the Customer confirms that parameters of transaction specified in the SMS message with the One-time Password match the parameters of the transaction initiated by the Customer. 8.3.6.3. The Bank shall perform the Change of Limits transaction initiated by the Customer subject to the following conditions: (1) The Customer was previously successfully Authorized;

(2) The One-time password used by the Customer is correct.

(3) Specified parameters of amount (in UAH), limit type and validity territory do not contradict the requirements of the Legislation.

8.3.6.4. After the Bank performs the transaction of Change of Limits initiated by the Customer, the Customer can perform transactions with the respective Card only within the latest limit set by him/her while initiating of Change of Limits transaction. 8.3.6.5. Initiating the Change of Limits via the PA “CA+”, the Customer undertakes all risks related to potential unauthorized usage of his/her Card within the established limits.

56

8.3.6.6. Limits for the Card issued to the Card accounts in foreign currency shall be set in UAH equivalent using a special authorization rate of UAH to foreign currencies (exchange rate for card transactions indicated on the official website of the Bank) established by the Bank on the date of submission of application of the Change of Limits by the Customer via the PA “CA+” and shall not change automatically in the future due to change of exchange rate of UAH to foreign currencies. 8.3.7. Fund transfer in foreign currency between own accounts of the Customer: performance of bank transfer from current/card account of the Customer in foreign currency (hereinafter – the Debited Account) determined at the stage of the transaction initiation, to other current/Card/debit account of the Customer in the same currency opened with the Bank, or an account for repayment of the Customer’s loan opened with the Bank and in the same currency (the Destination Account). 8.3.7.1. For transferring funds in foreign currency performed between the own accounts, the Customer pays a fee to the Bank as determined by the Tariffs of the Bank effective at the moment of transaction initiating. 8.3.7.2. To initiate transfer of funds in foreign currency performed between the own accounts, the Customer shall take the following steps: (1) Select the Destination Account by choosing in PA “CA+” the “Replenish” option on the screen with the Card Account settings, opened in national currency from which he/she wants to make a transfer;

(2) Select the number of the Debited account from the list suggested by the Bank;

(3) Specify the amount of transfer and give PA “CA+” a command to confirm the transaction;

(4) Give PA “CA+” a command to complete fund transfer by pressing the respective controls (buttons) on screen forms of transaction. 8.3.7.3. The Bank performs the transaction of fund transfer in foreign currency between own accounts of the Customer subject to the following conditions: (1) The Customer Authorization was made successfully;

(2) Currency of Debited account matches the currency of the Account for repayment;

(3) At the moment of transaction initiation there is enough funds on debited account for transfer performance and payment of the respective fee.

8.3.7.4. Performing the fund transfer transaction in foreign currency between own current/card accounts of the Customer the Bank debits funds in amount of transfer from the Debited Account and transfers them to the target account specified by the Customer at initiation of transaction and debits the respective fee from the Debited Account. 8.3.8. Payment for services of legal entities and private entrepreneurs (including utilities payments) – means performance of bank transfer from the Customer’s Card account (hereinafter – the Debited account) defined while the transaction initiation, to the Account of legal entity or private entrepreneur (hereinafter – the Beneficiary) which concluded agreement with “Financial company “MBK” LLC (hereinafter – the FC) on organization and ensuring of funds acceptance and settlements of payments initiated via PA “CA+”. 8.3.8.1. For payment of services the Customer shall pay commission to the Bank in the amount defined in the Tariffs of the Bank valid as at the date of transaction initiation. 8.3.2.2. In order to initiate the payment of services the Customer shall take the following steps: (1) Go to section “Payments” of PA “CA+” with general information about the types of payments and select the necessary Recipient to pay the services; (2) Specify the telephone numder for replenishment or address for which the services are provided or by selecting the necessary Recipient to pay the services, details of the agreement concluded between the Customer and the recipient on provision/performance/sale-purchase of services, works and/or goods; (3) Specify the amount of transfer; (4) Select number of the Debited account from the list offered by the Bank; (5) Give the PA “CA+” a command to generate the One-time password to confirm the transaction; (6) Enter the One-time password after its receipt in SMS sent to the Safe telephone number, and then give the PA “CA+” a command to transfer funds by clicking relevant controls (buttons) on the screen form of transfer transaction. 8.3.8.3. By entering the One-time password the Customer confirms that details of banking transactions specified in SMS are compliant with details of transaction initiated by the Customer. 8.3.8.4. The Bank shall perform the transaction initiated by the Customer provided the following: (1) The Customer’s Authorization has been already successfully completed; (2) The Beneficiary is not a person on the list of people connected with terrorist activities or persons under international sanctions, and doesn’t relate to countries prohibited by the Bank or the Credit Agricole Group; (3) At the moment of transaction initiation, the balance of the debited account is sufficient to make transfer and pay relevant commission; (4) The One-time password used by the Customer was entered correctly. 8.3.8.5. When performing transaction of payment of services, the Bank shall debit the Debited account with the transfer amount and transfers it to the Beneficiary’s Account specified by the Customer at transaction initiation, as well as respective commission from the Debited account. If the amount fails to be debited due to technical reasons and is returned to the Debited account, the Bank may re-debit funds from the Debited account in order to credit the FC account for further transfer to the Beneficiary’s Account. 8.3.8.6. With the help of the PA “CA+” the Customer can generate/receive the Receipt of performed transaction on payment of services, which is conformation of the funds’ crediting to the Beneficiary’s Account. 8.3.9. Controlling the “Mobile Savings” saving account – performance of a bank transfer from the Customer’s Debit Card Account selected at transaction initiation (hereinafter, the Debited Account) to “Mobile Savings” account (hereinafter, the destination Account), as well as performance of a bank transfer from “Mobile Savings” account to the Debit Card Account. 8.3.9.1. In order to initiate transaction on replenishment of “Mobile Savings” account, the Customer shall make the following steps: (1) Select “Replenish” option on the screen with information about the Saving Account; (2) Enter the amount of replenishment; (3) Give PA “CA+” a command to replenish “Mobile Savings” account by pressing the respective controls (buttons) on screen forms of transaction. 8.3.9.2. By pressing the image with the word “Replenish” the Customer confirms his/her intention to initiate funds transfer from own Debit Card Account to the “Mobile Savings” account. At that, the Parties have agreed that performance of actions leading to transfer to the screen form displaying the result of transaction is equivalent to the electronic signature of electronic document for the transfer and does not require additional drawing up of any paper documents.

57

8.3.9.3. The Bank shall perform the transaction initiated by the Customer provided the following: (1) The Customer was previously successfully Authorized;

(2) As of the moment of initiation of transaction the amount of funds in the Debited Account is sufficient for replenishment.

8.3.9.4. When performing replenishment of the “Mobile savings” account the Bank immediately debits funds in amount of replenishment from the

Debited Account and credits them to the Destination Account.

8.3.9.5. Transaction on debiting “Mobile savings” account and crediting the Customer’s Debit Card Account with that funds shall be initiated with

the image “Debit” in the same order as described above, and at that, the “Mobile savings” account shall be the Debited Account, and the Debit Card

Account shall be the destination Account.

8.3.9.6. When performing debiting of the “Mobile savings” account the Bank immediately debits funds in amount defined by the Customer from the

“Mobile savings” account and credits them to the Debit Card Account of the Customer.

8.3.10. Purchasing and selling non-cash foreign currency (FX exchange) – performance of transactions on purchasing or selling of foreign currency using the PA “CA+” by the Customer. The transactions shall be available for the following currencies: UAH, USD, and EUR. 8.3.10.1. To initiate purchasing or selling of non-cash foreign currency the Customer shall do the following: (1) Go to section “FX exchange” and select currency, which the Customer wishes to buy or sell; (2) Select the number of Debited Account from the list provided by the Bank; (3) Specify the amount of currency to be bought/sold (within the amount established by the law) at the exchange rate of the Bank established by the Bank for such transactions in the PA “CA+”; (4) Determine the Account to be credited with relevant currency bought or received from sale; (5) Give command to generate the One-time password to confirm transaction; (6) Enter the One-time password once it is received in SMS to the Secure phone number; (7) Confirm or cancel currency transaction by pressing relevant controls (buttons) on the transaction’s screen forms. 8.3.10.2. By entering the One-time password, the Customer gives the Bank a remote instruction to buy, sell non-cash foreign currency, and confirms his/her intention to initiate FX transaction in the amount entered by him/herself at the established exchange rate of the Bank in relevant currency, and the Bank has the right to perform direct debit from the relevant account and in the amount specified by the Customer, which is sufficient to buy or sell non-cash foreign currency. The remote instruction shall be processes and either performed or rejected by the Bank on the date when such instruction is received by the PA “CA+”. 8.3.10.3. The Bank shall perform the transaction on purchasing or selling non-cash foreign currency provided as follows: (1) The Customer's Authorization was successful; (2) The Customer has open accounts in the national currency and currency to be bought/sold; (3) The balance of the Debited Account is sufficient to be debited with the amount required for currency transaction performance in a respective currency; (4) The amount of currency to be bought/sold by the Customer does not exceed the limit amount established by the law; (5) No limits are available in the Account to be credited or the Account to be debited. The Bank may refuse to execute the Customer’s remote instruction and perform the transaction if conditions specified in sub-clause 8.3.10.3 of the Rules are not met. Information about performed FX transactions including the Bank’s exchange rate effective as at the date of FX transaction shall be displayed in section “History of transactions” of relevant accounts which were debited or credited with funds as a result of performed FX exchange transaction. 8.4. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING DEPOSIT TRANSACTIONS USING THE PA “CA+” 8.4.1. Opening a deposit refers to submitting an Application on banking service provision in an electronic form by the Customer via PA “CA+”. 8.4.1.1. In order to initiate the opening (placing) of a deposit via PA “CA+”, the Customer shall take the following steps: (1) In section “Place new deposit” of PA “CA+” select the deposit to be placed; (2) Indicate the mandatory parameters required by the PA “CA+” (amount, numbers of the Debited Account (account for attracting funds for deposit), Accounts for interest repayment/deposit return, etc.); (3) Give PA “CA+” a command to generate the One-time Password to confirm the transaction;

(4) Enter the One-time Password upon its receipt to the Secure telephone number via SMS (signing an Application on banking services provision in an electronic form with the ES);

(5) To confirm opening a deposit account by means of pressing respective control keys (buttons) on the screen forms of transaction.

8.4.1.2. By entering the One-time Password the Customer confirms that the operation parameters conform with the parameters of the operation initiated by the Customer, as well as the fact that he/she has read and understood the certificate on the PI Deposit Guarantee System and clause 4 of article 26 of the Law of Ukraine “On the PI Deposit Guarantee System”. 8.4.1.3. The Bank shall carry out the transaction initiated by the Customer under the following conditions: (1) The Customer has been identified and verified by the Bank;

(2) The Customer has a valid Agreement at the moment of the service provision;

(3) Customer Authorization has been previously successfully performed;

(4) At the moment of initiating a transaction, the funds on the Debited Account are sufficient for debiting the minimum deposit amount;

(5) The One-time Password used by the Customer has been entered correctly. 8.4.1.4. After the Bank carries out the transaction initiated by the Customer on opening (placing) a deposit, the Customer shall receive the Application on provision of “PI Deposit” banking service in the form of electronic document to the specified e-mail and can receive a hard copy thereof in the entity of the Bank. 8.4.2. Increasing deposit amount – performance of bank transfer from the Depositor’s current/Card account/other card of the Depositor defined when initiating the increase of deposit amount to deposit or other account in which the deposit specified in the bank deposit agreement/banking service agreement concluded between the Bank and Depositor is accounted for. Deposit amount is increased solely when adhering to the conditions of respective bank deposit agreement/banking service agreement. 8.4.2.1. The Bank shall have the right to refuse the Depositor in initiating bank deposit increase transaction using the PA “CA+” and/or performing bank deposit increase transaction using the RSS IB at its own initiative and its own discretion namely (but not limited to) if the PA “CA+” capabilities

58

do not allow to initiate and/or perform such transaction with adherence to conditions or respective bank deposit agreement/banking service agreement. In the case specified in this clause the Depositor may replenish the deposit amount at the Bank outlet. 8.4.2.2. In order to initiate deposit amount replenishment the Depositor should carry out the following steps: (1) Go to section of the PA “CA+” with detailed information about the deposit and give a command to the PA “CA+” to replenish deposit, by choosing the “Replenish Deposit” option;

(2) Select among Depositor’s current/Card Accounts/other Cards opened in deposit currency and account from which funds for deposit replenishment will be transferred;

(3) Specify the deposit replenishment amount;

(4) Give the PA “CA+” a command to increase the deposit amount by pressing the respective controls (buttons) on the screen forms of deposit increase transaction. 8.4.2.3. By pressing the respective image with the command to increase the deposit, the Customer confirms his/her intention to initiate Customer’s deposit amount increasing. At that, the Parties have agreed that performance of actions leading to transfer to the screen form displaying the result of deposit amount increase transaction is equivalent to the electronic signature of electronic document for the transfer and does not require additional drawing up of paper documents. 8.4.2.4. The Bank performs deposit replenishment transaction initiated by the Depositor under the following conditions:

(1) The Depositor was previously successfully Authorized.

(2) There is sufficient amount of funds for the transfer on the current/Card Account specified by the Depositor;

(3) Deposit amount replenishment does not contradict the conditions of deposit placement.

8.4.2.5. After the Bank performs deposit amount replenishment transaction initiated by the Depositor in line with the bank deposit agreement/banking service agreement the deposit amount shall be increased and in the future, it will be taken into account when accruing interest. 8.4.3. Reduction of deposit amount (partial deposit redemption) – performing the bank transfer from the deposit or other account on which the deposit is accounted for, specified in the bank deposit agreement/banking service agreement concluded between the Bank and Depositor to the Depositor’s current/Card account specified by the conditions of respective bank deposit agreement/banking service agreement. Deposit amount is reduced solely in compliance with conditions of the respective bank deposit agreement/banking service agreement. 8.4.3.1. The Bank has a right to decline Depositor in initiating using the PA “CA+” and/or fulfillment of bank transaction of reducing the deposit amount at its own initiative and discretion, namely (but not limited to) if the PA “CA+” capabilities do not allow to initiate and/or perform such transaction with adherence to conditions of respective bank deposit agreement/banking service agreement. In such a case, the Depositor may reduce the deposit amount at the Bank outlet. 8.4.3.2. In order to initiate the deposit amount reduction the Depositor should carry out the following steps:

(1) Go to section of the PA “CA+” with detailed information about the deposit and give a command to the PA “CA+” to redeem a part of deposit amount, by choosing the “Withdraw deposit funds” option;

(2) Select among Depositor’s current/card accounts opened in deposit currency account to which funds will be transferred during deposit amount reduction;

(3) Specify the deposit reduction amount;

(4) Give the PA “CA+” a command to reduce the deposit amount by pressing the respective controls (buttons) on the screen forms of deposit reduction transaction.

8.4.3.3. By pressing the respective image with the command “Withdraw deposit funds” the Customer confirms his/her intention to initiate Customer’s deposit amount reduction. At that, the Parties have agreed that performance of actions leading to transfer to the screen form displaying the result of deposit amount reduction transaction is equivalent to the electronic signature of electronic document for the transfer and does not require additional drawing up of any paper documents. 8.4.3.4. The Bank performs deposit reduction transaction initiated by the Depositor under the following conditions:

(1) The Depositor was previously successfully Authorized;

(2) There is sufficient amount of funds for the transfer on the current/card account specified by the Depositor;

(3) Deposit amount reduction does not contradict the conditions of bank deposit agreement/banking service agreement.

8.4.3.5. After the Bank performed deposit amount reduction transaction initiated by the Depositor in line with conditions of the Agreement/bank deposit agreement, the amount will be reduced and in future the amount by which the deposit was reduced will not be taken into account when accruing interest starting from the date of deposit amount reduction. 8.5. CONDITIONS AND PROCEDURES FOR INITIATING AND PERFORMING TRANSACTIONS USING THE PA “CA+” REGARDING LOANS ISSUED TO THE CUSTOMER 8.5.1.1. Loan repayment – making a bank transfer from the Customer’s current/Card Account/other Card of the Customer (hereinafter, the Deposited Account) to the account for repayment (hereinafter, the Repayment Account) of the loan issued to the Customer in line with the loan agreement concluded between the Bank and the Customer. 8.5.1.2. In order to initiate loan repayment transaction the Customer should perform the following steps: (1) Open a section of the PA “CA+” with general information about respective loan agreement and select “Repay” option. Account for loan repayment is specified by conditions of the Loan Agreement selected by the Customer;

(2) Specify the Debited Account by selecting one among his/her current/Card Accounts/other Cards opened with the Bank in the loan currency;

(3) Specify loan repayment amount;

(4) Give the PA “CA+” a command to repay the loan by pressing respective controls (buttons) on the screen forms of the loan repayment transaction.

8.5.1.3. By pressing the image with the command to rapay a loan the Customer confirms his/her intention to initiate loan repayment. At that the Parties have agreed that fulfillment of actions leading to transfer to the screen form with the result of loan repayment transaction is equivalent to the electronic signature of the transfer document and does not require additional drawing up of any paper documents. 8.5.1.4. The Bank performs loan repayment transaction initiated by the Customer under the following conditions:

(1) The Customer was previously successfully Authorized;

(2) Currency of Debited Account is the same as the currency of the Account for repayment;

59

(3) The Debited Account has sufficient amount of funds to repay the loan in amount specified by the Customer;

8.5.1.5. When performing loan repayment transaction the Bank debits funds in amount of the loan repayment from the Debited Account and enters them to the Repayment Account. Funds provided by the Customer and placed on Repayment Account are sent for loan repayment within the period and according to procedures provided for by the respective loan agreement. 8.6. OBLIGATIONS OF THE PARTIES 8.6.1. The Bank shall be obliged to:

8.6.1.1. Grant to the Customer access to the PA “CA+” in line with Agreement conditions and the Rules.

8.6.1.2. Perform Customer’s remote instructions signed using the One-time Password (unless otherwise expressly provided hereby when entering One-time Password is not required), if they comply with conditions of the Agreement and Rules.

8.6.1.3. On the Customer’s request provide documentary confirmation of any bank transaction performed by the Customer at the Bank outlet or by any other means upon mutual agreement of the Parties.

8.6.1.4. Perform other specified herein obligations regarding bank transactions initiated by the Customer in the PA “CA+”.

8.6.1.5. Other obligations stipulated herein.

8.6.2. The Customer shall be obliged to:

8.6.2.1. Access the PA “CA+” using hardware and software means complying with the following requirements:

(1) Use licensed anti-virus tools of well known vendors on technical/mobile devices; update anti-virus bases on a regular basis; if possible, use specialized security software: personal firewalls, antispyware software, HIPS systems, etc., with maximum possible security settings. (2) Correct operation of PA “CA+” is supported by the following operational systems (and higher):

• iOs – 12.2 • Android – 5.0

8.6.2.2. Ensure that the Login, the Login Password and the One-time Password are unavailable to the third parties.

8.6.2.3. In case the Secure Phone Number or identification data are changed and/or in the event of unauthorized access to them /their possession by the third parties immediately give the Bank current information. 8.6.2.4. Fulfill requirements of Rules and Recommendations for secure operation in the PA “CA+”, set forth in the Rules, when using and initiating every bank transaction with the help of the PA “CA+”.

8.6.2.5. Pay fees for the services received using the PA “CA+” in line with current Bank tariffs.

8.6.2.6. Not perform actions in the PA “CA+”, which may prevent other Customers from permanently or temporarily using the PA “CA+”. If the Customer violates this obligation, then he/she shall reimburse to the Bank and other Customers the inflicted financial and/or moral damage caused by respective actions of the Customer.

8.6.2.7. Fulfil other Customer’s obligations specified by the Rules regarding bank transactions performed via PA “CA+”. 8.6.2.8. Other obligations stipulated herein. 8.7. RIGHTS OF THE PARTIES 8.7.1. The Bank shall have the right to:

8.7.1.1. When rendering services via PA “CA+” independently debit respective fees in line with the effective Bank Tariffs;

8.7.1.2. Suspend or block access to the PA “CA+” under the following conditions: a) Suspicions about performing fraudulent activities using the PA “CA+”;

b) Unauthorized intervention into operation of the PA “CA+”, which caused information leakage, loss, forgery, block, or disfigured information processing or violation of its routing procedures;

c) The Customer using any software that may negatively influence the PA “CA+” operation;

d) Untimely fulfill Customer’s obligations under any agreement concluded between the Bank and the Customer;

e) The Customer’s failing to provide required information/documents for his/her due diligence (including updating the received and existing documents, data and information about the Customer), as well as for fulfillment of other requirements of the financial monitoring Legislation.

8.7.1.3. To block the Customer’s access to PA “CA+” for repairs and routine maintenance upon prior notification of the Customer.

8.7.1.4. Other rights stipulated herein.

8.7.2. The Customer shall have the right to:

8.7.2.1. At his/her own discretion use the PA “CA+” in line with conditions of the Agreement and the Rules.

8.7.2.2. Demand from the Bank to receive (at the Bank outlet or by any other means upon the agreement of the Parties) a documentary confirmation of the bank transaction performed by the Customer in the PA “CA+”;

8.7.2.3. Block access to the PA “CA+”by personally applying to the Bank outlet or calling the Contact Center and giving identification details: full name and/or taxpayer’s card number and/or birth date and/or passport series and number and/or Secure phone number and/or current account number and/or the Card number and/or password indicated by the Customer when registering in the PA “CA+”/opening the Card Account with the Bank.

8.7.2.4. Other rights stipulated herein.

8.8. RESPONSIBILITY OF THE PARTIES 8.8.1. The Bank shall not bear responsibility for the lack of access to PA “CA+” or incorrect operation of the PA “CA+” in case the Customer for such access uses hardware and software non-compliant with the requirements hereof or if the Customer carries out other actions which are non-compliant with requirements hereof. 8.8.2. By registering in PA “CA+” the Customer confirms that the Secure Phone Number that he/she specified during registration, the Login, the Login Password and the One-time Password are available only to him/her and that these data are unavailable to other persons. All the risks and all the responsibility related to the performance of this Clause of the Agreement shall be borne by the Customer.

8.8.3. The Customer shall reimburse in full all the losses incurred by the Bank due to sanctions that were applied to the Bank for the erroneous and/or guilty (willful or due to negligence) actions of the Customer.

60

IX. MISCELLANEOUS 9.1. Banking Secrecy. 9.1.1. The Parties shall preserve to the extent specified in the Legislation confidentiality with regard to the content of the Agreement, as well as to any and all information and data provided to each of the Parties in connection with such Agreements. The Parties shall properly preserve and not to disclose information constituting banking secrecy received in the process of the Agreement execution. If in the event of improper storage and/or disclosure of information specified herein the Party of the Agreement incurs losses, the guilty Party shall reimburse such losses in line with the Legislation. 9.1.2. The Customer shall understand that the Bank is obliged to disclose information of banking secrecy at the request of public authorities in cases and in the manner prescribed by the Legislation. No liabilities of the Bank in connection with the banking secrecy and confidential information contained in the Agreement or other agreements (minutes, protocols, and letters) of the Customer and the Bank shall be applied to cases where the Bank is forced to provide such information to the third parties at its discretion to protect its interests. 9.1.3. The Customer shall understand that the Bank is the part of the Credit Agricole Group, consisting of the Bank, its parent companies and subsidiaries, including banking and financial institutions, local and foreign branches and their subsidiaries and parent companies, hereinafter collectively referred to as the Group. Members of the Group are constantly exchanging information via the general information system, intended to minimize the Group’s exposure in general. The Customer shall have no objections to the Bank’s transferring information about him/herself for confidential utilization within the Group. The aforesaid information may be transmitted, among other things, in relation to provision of any service or banking product to the Customer, as well as for the purpose of data processing, statistical and risk analysis. 9.1.4. By signing the Agreement, the Customer authorizes the Bank to transfer information about him/herself, which constitutes banking secrecy, to third parties, institutions, companies and organizations, respective law-enforcement agencies and public authorities, banking institutions, including, but not limited to rating agencies, audit companies that will perform audit/rating activities with regard to the Bank, any private individuals and legal entities for them to render Banking service to the Customer, in particular, but not limited to car importers, dealers, insurance companies and insurance brokers in case of entering into insurance agreements by the Customer, correspondent banks, lawyers, property appraisal companies, banking associations, sureties with a view to realizing the rights of the Bank as a lender, in particular, but not limited to persons who will render services to the Bank with regard to recovery of debt under the Agreement, foreclosure of property and other actions related to the exercise of the Bank’s rights under the Agreement, insurance companies in case of entering into insurance agreements by the Customer on whose behalf the Bank is acting; other private individuals and legal entities to fulfil the requirements of the effective Legislation, the Agreement and other agreements concluded by the Bank, among other things, to ensure the implementation of tax relations and relations in the area of accounting, financial services, and also to individuals in marital, family or labor relations, including providing by the Bank to the Customer’s employer the information on the Customer’s current accounts opened for payment of salary and other payments, to sureties of the Customer, private individuals and organizations for them to perform their functions or rendering services to the Bank according to agreements concluded by such individuals (organizations) and the Bank, including agreements on assignment of claim to the Customer on condition that functions and/or services stipulated in the agreements are relevant to the Bank’s activity, which is carried out by the Bank in compliance with the effective laws, including but not limited to services of sending mail, messages to mobile and/or fixed-line phone, to any private individuals and legal entities in case of assignment (transfer) of the Bank's rights under the Agreement to any third party and/ or in the case that the Bank intends to carry out such assignment (transfer) until the actual implementation thereof, to international payment systems and/or members of an international payment system to exchange information on the attempted fraudulent actions, and also for confidential utilization to the benefit of the Customer in order to prevent damages of the Customer and the Bank resulting from unauthorized Card use by third parties. 9.2. Personal Data Protection. The Provider hereby provides the Bank, as the personal database owner, or any other administrator of personal database assigned by the Bank to its own discretion with its unconditional consent and permission to indefinitely process personal data of the Customer within the meaning of the Law of Ukraine “On Personal Data Protection” in the framework, volume, and form according to the personal data processing procedure regulated by the Bank’s internal provisions, including to transfer the Customer’s personal data to foreign entities (provided that the relevant country ensures due protection of personal data in cases specified by the law or international agreement of Ukraine). The Customer hereby agrees on inclusion of information containing its personal data to the “Customers” Bank’s personal database (hereinafter referred to as the Bank’s Base). The Customer learnt all information related to the Bank’s Base, rights and liabilities and purposes of personal data processing from the Bank’s Official Website. 9.3. Dispute Settlement. Disputes, conflicts and differences occurring in the process of fulfillment of the Agreement shall be subject to settlement in the course of negotiations. If the Parties fail to reach an agreement, the dispute shall be submitted for consideration to the competent Ukrainian court. 9.4. Notifications. 8.4.1. The Bank’s notifications pertaining to the Bank Customers and not containing data constituting banking secrecy or confidential information of the Customer, may be provided by the Bank by placing in the outlet of the Bank and/or at the Official Website of the Bank. The Customer shall familiarize himself with notifications of the Bank placed in the outlet of the Bank and/or at the Official Website of the Bank independently at least once a month. Other notifications sent by one Party to the other one in line with the Agreement or in the process of its fulfillment (hereinafter – the Notification) shall be made in writing and shall be deemed duly sent if they are sent by mail (by the registered certified letter with description of content or by the other letter, the delivery of which may be confirmed by the documents), transferred by means of information and telecommunication systems (including remote service systems), delivered by one of the Parties to the other one either in person or by the courier to the addresses of the Parties stated in the Agreement, unless otherwise expressly provided by the Agreement and/or the Rules. Notification of one Party shall be deemed received by the other Party on the day that comes first:

- The day stated in the receipt or the other document with a postal stamp or stamp of the courier delivery service, received by the sender of the Notification, about the delivery of such Notification;

- The day of return of sent Notification to the Sender due to (i) the absence of the Customer at the address stated in the Agreement, (ii) refusal from the receipt of the Notification, (ііі) termination of the period for Notification storage established by the postal service operator;

61

- The day specified by the authorized employee of the Recipient at the copy of the Notification or the other document in case the Notification is delivered in person.

Notifications delivered by the telegraph, teletype, telefax, fax, unless otherwise expressly agreed on by the Parties, shall be of preliminary character and shall be later sent in line with the requirements hereof. 9.4.2. By signing the Agreement, the Customer shall authorize the Bank to distribute via electronic and postal addresses of the Customer or by sending SMS-messages to the details provided to the Bank the information messages without any additional notification of the Bank about such distribution, involvement of the third parties being possible. Such notifications may include any information pertaining to the Agreement or related to its utilization or not pertaining to the Agreement, in particular, but not limited to, the campaigns, introduction of new services or products by the Bank, as well as information on services of the third parties related to the services and products of the Bank, etc. The Bank shall not be liable for risks related to sending the information via the aforesaid communication channels, including cases if the sent information may become known to the third parties. 9.5. Credit History Bureau. By signing the Agreement and familiarization with the Rules, the Customer shall grant his/her unconditional and irrevocable permission to the Bank to provide information on the Customer, his/her credit history and his/her debt obligations to the Bank in the scope stipulated by the Law of Ukraine “On Organization of Formation and Circulation of Credit Histories” and Law of Ukraine “On Personal Data Protection” for the purpose of formation and maintenance of his/her credit history as a credit history subject to the following credit history bureaus: PrJSC First All-Ukrainian Credit History Bureau, located at the address: 11, Yevhena Sverstiuka (Maryny Raskovoii) St, Kyiv, 02002; “Ukrainian Credit History Bureau” LLC, located at the address: 1-D, Hrushevskoho Str., Kyiv, 01001; PrJSC International Credit History Bureau, located at the address: office 306, 65, Peremogy Ave, Kyiv, 03062, and provide the Bank with its irrevocable and unconditional consent to access the Customer’s credit history in any credit history bureau. 9.6. Payments. All payments made by the Customer to perform the Debt obligations shall be deemed duly executed on the day of funds crediting to account(s) of the Bank in the event these funds were received by the Bank during the Operational hours as of such date of crediting. In the event these funds were received by the Bank after Operational hours as of such date of crediting, such Payment shall be deemed executed on the next Business Day after the date of such crediting with beginning of all relevant circumstances (interest accrual, penalty fee, etc.) The Bank only at its own discretion and if it is technically possible to process, transfer and execute payment may, but is not obliged, to accept the Customer’s payment as performed after the Operational hours. In the event the date of the Debt obligation fulfilment falls into a non-Banking day, the day of such fulfilment shall be the Banking date following such non-Banking day of the same calendar month, and if there is no such Banking day – the last Banking day of such calendar month. 9.7. Joint and several liability of the Customer. In case several entities are the Bank’s counterparties to one Agreement, in line with Agreement concluding each Customer shall agree and give his/her consent to act as joint and several debtors and bear joint liability to the Bank for full, timely and proper performance by each Customer of the Debt obligations. This means the Bank shall demand both each Customer and all Customers at once to perform Debt obligations in full or partially. Customer’s partial performance of the Debt obligations does not exempt the Bank from the right to demand from the Customer performance of the other part(s) of Debt obligations. The Bank shall accept both term and premature Debt obligations performance from any of the Customers.

9.8. Currency clause. Payments to perform the Customer’s Debt obligations shall be executed by the Customer in the currency of the Debt obligations following the procedure and on the terms set forth in the Agreement. Other payments under the Agreement are subject to execution in the currency of Ukraine (hryvnia) based on the NBU Foreign Currency Rate and/or other rate as of execution (payment) date approved by the Parties. The Bank is not obliged to accept performance of Debt obligations in currency other than the currency specified in the Agreement. The Bank’s refusal to accept the performance of the Debt obligations in currency other than the currency specified in the Agreement shall not be considered as contributing to the Customer’s losses increase because of delay in the Customer’s obligations fulfilment.

9.9. Representations and warranties of the Customer The Customer states, guarantees and stands surety to the Bank for the following:

- The Customer is no way limited in competence of concluding and executing the Agreement, which was, among other, confirmed by the Customer by providing statutory, registration and title-establishing documents to the Bank. Any amendments/supplements/replacement the Bank was not notified of in writing are absent from the documents, received by the Bank on the grounds of the Agreement and/or was submitted to the Bank with a view to its conclusion;

- The Customer is not aware of rights and/or claims of other parties on Customer’s property, including those not registered as prescribed by Law, except for those directly stipulated in the Agreement;

- If the Customer is a private individual, who at the moment of Agreement conclusion is in a registered marriage/lives as one family without marriage registration, at the moment of the Agreement concluding the Customer obtained (if necessary) the consent of husband/wife, with whom the Customer is in a registered marriage/lives as one family without marriage;

- The delivery of the Banking Service to the Customer is not directly linked with entrepreneurial activity; - Unless otherwise agreed by the Parties in writing, as of the date of the Agreement conclusion no judicial and/or arbitration and/or

administrative proceedings are held against the Customer, which could have negative effect for activity, assets or financial standing of the Customer, and/or there is no moratorium of claims satisfaction of the Customer’s creditors, and/or there are no Event of Default of all and any agreements (deeds) on services being rendered by any finance and credit entities to the Customer; conclusion and performance of the Agreement by the Customer does not cause the breach and/or non-performance of any agreement (deed) and/or other document, where the Customer is the Party to or whose effect is applied to the Customer and does not contradict any clause of the Customer’s statutory documents;

- private individual(s) who sign(s) the Agreement, do(es) this in his/her own handwriting, without the use of facsimile or help of other individual(s), thereby confirming, but not limited to, the correctness of written data (surname, name, position, authorities justification, etc.), and full understanding of responsibility, including the criminal one, relevant to such signing. This (these) individual(s) confirm(s) that he/she/they is/are duly authorized representative(s) of the Customer for the purpose of concluding and executing the Agreement, and the Agreement constitutes (shall constitute) the effective and legally binding obligation.

62

9.10. The Customer’s consent to indebtedness repayment by the third party. Notwithstanding other terms of the Agreement, the Debt obligations under the Agreement may be repaid in full or partially by any third (other) person who intends and is ready to repay the Debt obligations of the Customer, the Customer giving his/her consent hereto by signing the Agreement. In case that such third (other) party fulfils the Debt obligations instead of the Customer in full, the Bank’s rights under the Agreement shall be transferred to this third party. 9.11. The Customer’s consent to recording of telephone conversations. By signing the Agreement and reading the Rules, the Customer gives its irrevocable and unconditional consent to the Bank to record all telephone conversations between the Customer and the Bank (represented by its authorized officers) and any other persons, which are made in the Customer’s telephone numbers notified to the Bank with no exceptions in a manner defined by the Bank. 9.12. The Customer’s consent to the Bank’s receiving the extract from the State Register of Civil Status. By signing the Agreement and reading the Rules the Customer gives its irrevocable and unconditional consent (right) to the Bank to receive the extract from the State Register of Civil Status. 9.13. The Customer’s consent to the Bank’s receiving the extract from the Register of Powers of Attorney. By signing the Agreement and reading the Rules the Customer gives its irrevocable and unconditional consent (right) to the Bank to receive the extract from the Register of Powers of Attorney which the Customer issued to his/her Trustees for representation in the Bank. 9.14. DEPOSIT GUARANTEES 9.14.1. Each Depositor (in this Section the term “Depositor” stands for the Customer/Depositor) shall have a guarantee of funds reimbursement under his/her deposit by the Individual Deposits Guarantee Fund (hereinafter – the Fund). The Fund shall reimburse the funds equal to the deposit amount, including interest accrued as of the day when the Fund launches the procedure of the Bank withdrawal from the market, but not above the amount of boundary limit of funds reimbursement under deposits established as of the date of such decision irrespective of the number of deposits in one bank. The ceiling amount of refund under deposits may not be less than UAH 200,000.00. The Depositor can get information on current ceiling amount of refund under deposits via the Internet (at the official web-site of the Fund www.fg.gov.ua), at information stands in the Bank’s customer areas, or by addressing the Contact Center of the Bank and/or operating cash offices of any Bank entity. 9.14.2. In the meaning of the Law of Ukraine “On the Individual Deposit Guarantee System”, the deposit means the funds in cash and cashless form in the Ukrainian or foreign currency attracted by the Bank from the Depositor (or received in favor of the Depositor) on conditions of the Agreement/Banking Service Application by issuing of personalized deposit certificate, including interest accrued on these funds. 9.14.3. During the temporary administration, the Depositor shall acquire the right to receiving the funds guaranteed reimbursement amount under deposits at the expense of the Fund’s resources within the boundary limit of funds reimbursement under deposits according to the agreements, which expired on the day the procedure of the bank withdrawal from the market was started, and according to the bank account agreements, considering the provisions of clause 9.14.6 of the Rules. 9.14.4. Accrual of interest on deposits shall be terminated on the day of beginning of the procedure of bank withdrawal from the market by the Fund (in case that the National Bank of Ukraine approved the decision on revoking of license and liquidation of bank pursuant to part two of Article 77 of the Law of Ukraine “On Banks and Banking” – on the day of revoking of banking license and liquidation of the bank. 9.14.5. The funds under the deposit in foreign currency shall be reimbursed in the Ukrainian national currency after deposit amount conversion at the NBU official hryvnia rate against foreign currencies, set by the National Bank of Ukraine as of the start date of the procedure of the Bank withdrawal from the market by the Fund and performing temporary administration in line with the Article 36 of the Law of Ukraine “On the Individual Deposit Guarantee System” (in case that the National Bank of Ukraine approved the decision on revoking of license and liquidation of bank pursuant to part two of Article 77 of the Law of Ukraine “On Banks and Banking” – at the official exchange rate of Ukrainian hryvnia to foreign currency set by the National Bank of Ukraine on the start date of liquidation of bank for the reasons given). 9.14.6. The Fund shall not reimburse the following funds:

1) Transferred to the Bank for trust management; 2) Under the deposit below UAH 10; 3) Under the deposit secured by bearer’s savings (deposit) certificate; 4) Placed to bank deposit by the person who is (was) related to the bank during a year before the National Bank of Ukraine took a decision on

classifying such bank as insolvent (if the National Bank of Ukraine takes a decision to revoke a bank license and liquidate the bank due to reasons determined by part two of the article 77 of the Law of Ukraine “On banks and banking” – during one year prior to taking such decision).

5) Placed to deposit by the individual who rendered professional services to the Bank as auditor, legal advisor, appraiser, if the aforesaid services had the direct effect on the Bank having insolvency features, and if one year hasn’t passed from the day of such services termination to the day of the NBU decision to refer this Bank to the insolvent banks category;

6) Placed to deposit by the Holder of significant stake at the Bank 7) Under the bank deposits under which the depositors on individual basis receive interest from the bank under agreements concluded on

conditions which are not the current market ones in line with the article 52 of the Law of Ukraine “On Banks and Banking” or have other financial privileges from the Bank;

8) Under the deposit at the Bank, if such deposit is used by Depositor as the means of securing other obligation to this Bank in full to the day of obligations fulfillment;

9) Under deposits in subsidiaries of foreign banks; 10) Under deposits in banking metals; 11) Placed on accounts that were attached under the court ruling; 12) Under deposits the satisfaction of claims under which are suspended in accordance with the Law of Ukraine “On prevention and counteraction

to legalization (laundering) of the proceeds from crime or terrorism financing, as well as financing proliferation of weapons of mass destruction”.

9.14.7. The parties have agreed that during the second and all following years of using current and/or deposit account with Bank the latter shall send the Certificate on PI deposit guarantee system to the Customer in electronic form using information, information and telecommunication systems (including remote service systems). The Certificate on PI deposit guarantee system in hard copy shall be provided to the depositor at his/her request in the entity of the Bank.

X. FATCA. CONDITIONS OF HANDLING TRANSACTIONS UNDER SUPERVISION FOR CUSTOMERS OF JSC CREDIT AGRICOLE BANK

63

10.1. FATCA 10.1.1. For the purposes of FATCA, the Customer hereby gives consent to the Bank to disclose information about the Customer, which constitutes the banking secrecy, personal data of the Customer, confidential information contained in the Agreement or other agreements (Applications, minutes, letters) of the Bank with the Customer to foreign tax authority including the Internal Revenue Service of the USA (the IRS), and/or foreign tax agents, obliged to collect foreign taxes and charges according to FATCA, and/or persons involved in funds transfer to the Customer’s accounts (for example, correspondent banks) in cases provided for by FATCA. 10.1.2. The Customer shall provide the Bank on its request with documents or data in the line with the FATCA requirements, including those necessary for the identification and examination, and those concerning his/her tax residency. The Customer shall immediately notify the Bank about change of his/her tax residency or in case of gaining a status of US person the Customer shall immediately provide the Bank with the supporting documents. 10.1.3. The Bank shall meet all FATCA requirements. In order to meet the above requirements the Bank shall have the right to require and receive from the Customer the documents or data under the FATCA requirements including those necessary for his/her due diligence. If the Customer fails to provide the above documents or data or intentionally provides false data about him/her, the Bank shall be entitled to refuse the Customer the account opening and/or servicing. Refuse the Customer to perform payments in favor of recepients (beneficiaries) or due to persons who do not comply with FATCA requirements. 10.1.4. The Bank shall be entitled to close an account at its sole discretion in the following cases: (a) the Customer fails to provide documents or data under the FATCA requirements including those necessary for due diligence or he/she intentionally provides false data about him/her, and/or (б) under other conditions provided for by FATCA. 10.1.5. The FATCA requirements. In case that any revenues of the Customer must/may be subject to taxation or charges under the FATCA requirements, the Customer shall authorize the Bank and the Bank independently performs at intervals and/or in cases defined by the FATCA requirements debit of funds in the amount necessary to meet the FATCA requirements from any current, card and/or deposit account of the Customer opened with the Bank and transfers the above funds to any account of the Internal Revenue Service of the USA (the IRS) or any other account. 10.1.6. The Bank shall not be liable to the Customer or his/her contractors for any deductions, sanctions, limitations and other adverse consequences concerning account, funds and transactions in account if such consequences are connected with the fulfilment of the FATCA requirements by the Internal Revenue Service of the USA (the IRS), correspondent banks and other persons involved in transfers as well as for any other losses, expenditures, moral damage and/or lost income related hereto. 10.1.7. By signing the Agreement the Customer certifies and guarantees not being a US person (unless the Customer provided the other information to the Bank). 10.2. Conditions of handling transactions under supervision for customers of JSC CREDIT AGRICOLE BANK. 10.2.1. Conditions of handling transactions under supervision for customers of JSC CREDIT AGRICOLE BANK are set out in the Annex 1 to these Rules which make their integral part. XI. AMENDMENT AND TERMINATION OF THE AGREEMENT. 11.1. The Agreement shall be amended or terminated upon mutual consent of the Parties or unilaterally by either Party. The early termination of the Agreement upon mutual consent of the Parties shall be formalized by signing the respective Termination Agreement and can be carried out only upon the absence of any Debt obligations between the Parties. The Agreement shall be deemed terminated from the moment the Parties conclude the Termination Agreement and close all accounts of the Customer in the Bank. 11.2. The Customer shall be entitled to unilaterally terminate the Agreement before the maturity by sending a prior written notice to the respective institution of the Bank. With a view to terminating the Agreement and closing accounts (if any), the Customer shall indicate in such notice the details of other account(s) where possible balance of funds shall be transferred. In case of unavailability of such information the Bank shall be entitled at its sole discretion to transfer the balance of funds to any account of the Customer known to the Bank or account such funds in separate account of the Bank under conditions of the Tariffs of the Bank, and return the funds to the Customer upon his/her request when contacting the Bank. The Agreement shall be deemed terminated on the 15th calendar day from the day the Bank receives the above notice and provided all accounts of the Customer in the Bank are closed. The Customer shall be liable to repay all Debt obligations under the Agreement before the Agreement termination. In case of failure to repay the Debt obligations within the defined period, the Debt obligations of the Parties as well as rights and liabilities of the Parties with regard to these Debt obligations shall remain in force until the complete performance thereof. 11.3. The Bank shall be entitled to unilaterally terminate the Agreement before the maturity by sending a prior written notice to the Customer. The Agreement shall be deemed terminated on the 15th calendar day from the day the Customer receives the above notice and provided all accounts of the Customer in the Bank (if any) are closed. With a view to terminating the Agreement the Bank shall close all accounts opened with the Bank, transfer the balance of funds (if any) to separate account of the Bank and account these funds under conditions of the Tariffs of the Bank until the Customer contacts the Bank. The Customer shall be liable to repay all Debt obligations under the Agreement before the Agreement termination. In case of failure to repay the Debt obligations within the defined period, the Debt obligations of the Parties as well as rights and liabilities of the Parties with regard to these Debt obligations shall remain in force until the complete performance thereof. 11.4. Without prejudice to the foregoing, the Bank shall be also entitled to cancel the Agreement and close accounts of the Customer, and stop providing the Banking Services to the Customer in case of any event that is the grounds for cancellation of the Agreement in accordance with Article 1075 of the Civil Code of Ukraine, as well as in cases specified by the law on financial monitoring (including but not limited to those specified in clause 3.7. of these Rules). If the Agreement is terminated upon the Bank’s initiative according this clause, the Bank shall close all the Customer’s accounts opened under this Agreement as at the date specified by the Bank in respective notice on the Agreement cancellation sent to the Customer.