1. TERMS AND DEFINITIONS

Automatic repayment — a banking service for executing the Borrower's order for the direct debiting of funds from the Borrower's cards/accounts to pay off payments in accordance with the Repayment Schedule or the Borrower's overdue debt under the Loan. This service is activated in accordance with the procedure established by internal banking rules.

Bank — JSC «APEX BANK».

Client Verification — verification of the relevance, correctness and completeness of the Client’s personal data received and available to the Bank.

Date of microloan provision — the date of crediting by the Bank of funds to the demand deposit account/bank card, including the virtual card/electronic wallet of the Borrower.

Redemption date — the calendar date established by the Loan Repayment Schedule, no later than which the Client is obligated to make payments to repay the Loan debt.

RBS (remote banking service) — remote sales channels of the Bank and its Partners, which involve the registration of the Client and the execution of credit transactions remotely, without the Client visiting the Bank.

Borrower/Client — an individual (citizens/residents of the Republic of Uzbekistan, permanently residing in the Republic of Uzbekistan), who has an income and meets all the requirements for the terms of the online Microloan product passport, who has submitted a Statement to the Bank to receive a microloan in electronic form and has entered into an Agreement.

Identification — This is a procedure for recognizing/determining/equating a Client by its identifier, which uniquely identifies this subject in information systems.

Individual microloan conditions — conditions that determine the term, amount of the loan, interest rate, and also regulate the relations of the parties in the area of the parameters of the loan issued. These conditions are calculated by the Bank for the Client individually, displayed and confirmed by the Client by accepting this Public Offer and Individual Conditions through RBS.

Credit/microloan — monetary funds allocated by the Bank to the Borrower by crediting them to the demand deposit account/bank card, including the Borrower’s virtual card/electronic wallet within the framework of the Agreement.

Loan application — This is a document (generated in remote banking services - RBS), which is sent by the Client (potential borrower) to the Bank via RBS, in order to assess the likelihood of providing him with an online microloan and contains general information about the requested microloan on the terms stipulated by this Public Offer.

Bank mobile application — Appendix (software) for the Mobile device, providing the Client with the ability to access the JSC "APEX BANK" system online. To install the Bank's Mobile Application on the Mobile device, the Client independently performs actions in accordance with the User Guide posted on the Bank's Official Website www.apexbank.uz.

Collateral for microloan — insurance policy against the risk of non-repayment of a loan in the amount of at least 125% of the microloan amount, for persons associated with the Bank at least 130% of the microloan amount.

Personal data — recorded on an electronic, paper and (or) other tangible medium of information, relating to a specific individual or allowing for his identification.

Payment undertaking — the Borrower's obligations to repay the Amount overdue under the Agreement, in the amount and within the timeframes specified in the Agreement.

Effective interest rate — the interest rate in reliable, annual and effective calculation, the calculation of which takes into account the Borrower's payments related to the credit transaction. The full cost of the credit transaction includes all the Borrower's expenses related to receiving and processing the credit transaction, as well as payments related to servicing (repayment) of the credit transaction.

Parties — Client / Borrower and Bank.

2. BASIC PROVISIONS

2.1. According to this Public Offer, the Bank offers individuals-Clients of JSC “APEX BANK” to conclude an Agreement on the provision of a microloan (hereinafter referred to as the Agreement) in national currency, through RBS, on these general terms of the Public Offer and Individual terms of the microloan.

2.2. The agreement on the provision of a microloan is concluded in accordance with Articles 367, 369, 370 of the Civil Code of the Republic of Uzbekistan, the General Agreement on servicing individuals of JSC "APEX BANK" and comes into force from the moment the Client performs the actions provided for in this Public Offer. The terms of this public offer are mandatory without any exceptions or restrictions for the Borrower and the Bank after acceptance by the Borrower.

2.3. Specific requirements that Clients must meet in order to receive a microloan in accordance with these terms of the Public Offer, the amount of the microloan, the terms, as well as other conditions are communicated to Clients by posting relevant information about the Microloan credit product in a publicly accessible place (on the Bank’s official website on the Internet at: www.apexbank.uz, RBS services, through the Bank’s Contact Center, in the media, etc.).

2.4. By agreeing with the terms of the microloan and accepting the offer on the terms of information transfer and sending the Credit Application, the Client accepts this Public Offer online using RBS funds or other methods established by the Bank. This acceptance is the basis for the Bank to preliminarily review the Credit Application of the Client as a potential Borrower. If the Bank approves the Client's application, the Bank provides the Client with Individual terms of the microloan. If the Client accepts the Individual terms of the microloan, the Agreement on the provision of a microloan on the terms stipulated by this Public Offer and the Individual terms of the microloan is considered concluded. In this case, if the Client/Borrower accepts the Public Offer/Individual Terms of the Microloan after the end of the Bank's operating day and/or due to the unavailability of external information systems, as well as for other reasons beyond the control of the Bank, then the Agreement will be considered concluded on the first following Bank operating day and/or upon availability of external information systems, as well as after the elimination of other reasons beyond the control of the Bank.

2.5. Individual microloan terms are established separately before each receipt of a Microloan by the Client/Borrower and are transferred to the mobile Appendix. The Borrower accepts and agrees to the Individual microloan terms by confirming with an SMS message or in another way proposed by the Bank. In the event of the Borrower's acceptance of these terms of the Public Offer and the Borrower's acceptance of the Individual microloan terms, the Agreement on the provision of a microloan on the terms stipulated by this Public Offer and the Individual microloan terms is considered concluded and is valid until the Bank and the Client/Borrower fully fulfill their obligations.

2.6. The Client agrees that the Bank's scoring model, by means of which the assessment of the Client's solvency and other data is carried out, is a commercial secret and is considered confidential, and that the Bank has the right to refuse to issue a microloan to him without giving reasons in the following cases:

– failure to successfully complete all relevant stages of the analysis of the Client and the data provided by them and/or;

– in the presence of problem loans, current overdue debt on them;

– if there are suspicions that the purpose of obtaining a microloan is the legalization of proceeds from criminal activity and/or the financing of terrorism and/or the financing of the proliferation of weapons of mass destruction;

– cases related to discrepancies between the terms of the Credit Application/Applicant and the requirements of the credit product, credit policy/risk strategy of the Bank;

– other cases stipulated by the legislation of the Republic of Uzbekistan and internal regulatory documents of the Bank.

In order to familiarize the Client with this Public Offer and Tariffs (including changes and/or additions periodically made by the Bank), the Bank publishes the said documents on the Bank's website. Additionally, the Bank may inform the Client in other ways that allow Clients to receive information and establish that it comes from the Bank. The date of publication of the said information is considered to be the date of its first posting on the Bank's website.

3. SCOPE OF THE AGREEMENT

3.1. The Bank provides the Client with a microloan in the amount specified by the Client in the Credit Application, but not more than the amount of possible financing calculated by the Bank for the Client, and the Client undertakes to return to the Bank the received microloan amount and pay interest for using it in accordance with the terms of this Public Offer and the Individual Terms of the Microloan.

3.2. Repayment procedure – monthly according to the payment schedule available in the Client’s RBS systems for each microloan.

4. LOAN ACCOUNT OPENING

4.1. In accordance with this Public Offer and the Agreement, the Bank opens a loan account(s) for the Client in the national currency – Uzbek sum.

4.2. The account number is determined by the Bank unilaterally and communicated to the Client by posting information in RBS.

5. THE PROCEDURE FOR ISSUING AND PAYING OFF A MICROLOAN

5.1. The microloan is provided to the Client on the terms and in the manner established by this Public Offer, by crediting funds in the amount specified in the Individual Terms of the microloan and accepted by the Client to the accounts (deposit accounts, plastic card accounts) of the Client specified by him in the Credit Application.

5.2. To receive a microloan, the Client must read and accept this Public Offer in the RBS system interface and request the possibility of providing a microloan by submitting a Credit Application.

5.3. After processing the Credit Application, the Bank informs the Client in the RBS system interface of the amount of financing approved by the Bank under the terms of this Public Offer by forming Individual terms of the microloan, or about the impossibility of providing a microloan due to unsuccessful verification, or insufficient solvency of the Client, or other conditions, by notification via SMS.

5.4. By accepting this Public Offer and the Individual Terms of the Microloan, the Client expresses consent and authorizes the Bank to request, receive, process and transfer the Client's Personal data in the required volume from official sources in accordance with the requirements of the Law of the Republic of Uzbekistan "On Personal Data" for purposes related to the processes of consideration, issuance and repayment of the microloan.

5.5. The amount of financing approved by the Bank for the Client is determined on the basis of the information available to the Bank about the Client by assessing the Client's solvency. The methodology for assessing the Client's solvency is a commercial secret of the Bank and is considered confidential.

5.6. The Client has the right to submit a Credit Application in an amount/for a period not exceeding the amount/period of possible financing offered by the credit product, indicating the date of the month of repayment under the terms of this Public Offer, or to refuse to receive a microloan.

5.7. The Client's credit application contains, including but not limited to: the amount, term, date of the month of repayment of the microloan, the account (deposit or plastic card account) to which the approved amount of the microloan should be credited is indicated; the account data is already specified in clause 5.1 and is an integral part of this Public Offer accepted by the Client.

5.8. Submission of a Credit Application and acceptance of the Individual Microloan Terms is a confirmation of the Client’s consent to receive a microloan, on the terms specified in the Individual Microloan Terms, after which the Individual Microloan Terms and the Public Offer are considered agreed upon between the Bank and the Client.

5.9. The Bank’s obligation to provide a microloan is considered fulfilled from the Date of crediting the microloan amount to the Client’s accounts specified by him in the Credit Application.

5.10. The amount provided, the term, the interest rate on urgent and overdue debt, and the repayment schedule of the microloan are determined by the Individual Terms of the Microloan.

5.11. Interest on the microloan is accrued on the remaining principal debt daily. The interest calculation method is based on 365 days a year.

5.12. The interest rate for a microloan is indicated in the Individual terms and conditions of the microloan for both urgent and overdue debt.

5.13. Repayment (refund) of the principal debt on the microloan will be carried out by the Client in the currency of the microloan in accordance with the Individual Terms of the microloan.

5.14. The Client undertakes to repay the received microloan in accordance with the terms specified in the Microloan Payment Schedule specified in the RBS system.

5.15. If the payment date falls on a non-working banking day, the next following working banking day shall be considered the payment date.

5.16. Funds received for repayment of the Client's microloan are used to repay the debt on accrued interest, and then to repay the principal debt on the microloan. If there are insufficient/absent funds received to pay the payment established by the schedule, the unpaid amounts are transferred to the accounts of overdue interest and to the accounts of overdue loans, the interest rate for late fulfillment of obligations to repay the microloan (increased) is accrued on the amounts in the accounts of overdue loans, in the amount specified in the Individual Terms of the Microloan.

Payment received in favor of the Bank, in the event of violation by the Client of the established schedule of repayment of the microloan, cash and/or monetary funds available in any accounts of the Borrower both in the bank and/or in accounts available in other Banks, are credited/collected to pay off obligations to the Bank under this Public Offer in the following order:

− Proportionately overdue Amount overdue on principal and overdue interest payments;

− Accrued interest for the current period and Amount overdue on the principal debt for the current period;

− Penalty (fine, forfeit);

− Other expenses of the creditor related to debt repayment.

5.17. Partial early repayment of the debt under the Agreement does not entail a change in the quantity, procedure for determining the amount (method for calculating the repayment schedule), and frequency (terms) of the Borrower's payments under the Individual Terms of the Microloan.

5.18. In case of partial early repayment of the principal debt, the amount of the remaining principal debt is reduced by deducting the amount partially repaid early, while the Monthly Payment is proportionally reduced by the amount of the partial repayment of the principal debt, and the term for which the Loan is provided does not change.

5.19. Partial early repayment of the loan outside the regular payment date established by the Individual Terms of the Microloan does not exempt you from paying the microloan payment on the established day.

5.20. In this case, in the event of partial early repayment of the loan by the Borrower, the conclusion of additional agreements and the execution of new repayment schedules/urgent obligations is not required; the current repayment schedule can be obtained in remote banking systems and/or at the Bank's offices.

5.21. Repayment of the principal debt is made by transferring/crediting funds to the loan account where the microloan provided under the Agreement is recorded. The date of repayment of the principal debt is considered to be the day the funds are received in the specified accounts.

5.22. Repayment of the principal debt and/or other payments on the microloan will be carried out by the Client through the RBS systems, the Bank's orders, and in the event of the occurrence/violation of the microloan repayment schedule, by means of the direct debiting by the Bank of the corresponding amount from all of the Borrower's accounts, including through the Auto Repayment service.

5.23. When performing operations to repay microloans on weekends/non-working banking days, the date of such operation will be the date of the Bank’s next business day.

5.24. Payment for a microloan and other payments under this Public Offer can be made by the Client or his Representative by replenishing his Demand Account/special/savings account for microloan repayment/card account (SCA) at any of the Bank's offices, by transferring funds from other banks of the Republic of Uzbekistan, as well as by paying through mobile applications, payment terminals (info kiosks), payment systems, or by using RBS Bank. To make a payment for a microloan, the Client or his Representative must enter the "Loan ID" in the appropriate field when filling in the details in the RBS systems, which is assigned when processing the microloan. The Borrower can find out the "Loan ID" through the RBS Bank systems.

5.25. The RBS system provides the option to repay the microloan debt according to the schedule or early. When the Client selects the "Reimbursement" option in the RBS system interface, monetary funds are credited to the savings account and are used to repay the microloan as the payment term matures in the amount due for payment, within the amount available in the savings account. When the "advanced repayment" option is selected, monetary funds are first used to repay the accrued interest on the repayment date, then to repay the principal debt on the microloan.

5.26. The Client agrees to the undisputed write-off by the Bank of payments for the microloan from any of the Client’s accounts in the event of violations of the established repayment terms.

1. ENSURING THE REPAYMENT OF THE MICROLOAN

6.1. The microloan provided under this Public Offer is secured by:

6.1.1. Insurance policy for the risk of non-repayment of a microloan. The Bank concludes an insurance contract for the risk of non-repayment of a microloan with the Insurer for the entire term of the loan (hereinafter referred to as "security"). The term of the insurance policy must be no less than the term of the Individual Condition of the microloan. The beneficiary in the event of an insured event is the Bank. Specific terms of the insurance policy for the risk of non-repayment of a microloan are stipulated in the relevant insurance contract (or insurance agreement), the terms of which satisfy the Bank. Security is accepted in an amount covering 125% of the microloan amount, for persons associated with the Bank, it is not less than 130% of the microloan amount. The Bank assumes all expenses related to the execution of the Insurance Policy for the Risk of Non-Repayment of a Microloan (insurance premium), unless otherwise provided in the terms of the credit passport.

6.2. In case of non-fulfillment/improper fulfillment of the Client’s obligations to the Bank in accordance with clause 8.5 of this public offer, the Bank shall have the right to foreclose on the security in accordance with the Current legislation of the Republic of Uzbekistan.

2. PROCESSING OF PERSONAL DATA

7.1. By concluding the Agreement and sending the Credit Application to the Bank, the Client grants the Bank the right (consent) to process the personal data provided by the Client on paper and/or electronic media with and/or without the use of automated means of collection, recording, systematization, accumulation, storage, clarification (updating, modification), retrieval, use, transfer (provision, access, including when entrusting the processing of personal data to third parties), depersonalization, blocking, deletion, destruction of the Client's personal data.

7.2. For the purposes of the Agreement, the personal data of the Client shall be understood to mean information provided to the Bank by the Client or, with the consent of the Client, by any possible means, relating to the Client directly or indirectly determined or determinable with its help, including the following information: last name, first name, patronymic; date, month and year of birth; gender; contact information (phone numbers, email addresses); details of the identity document; information about the place of residence and/or place of stay, information about education, marital status, number of children, employment and field of activity, information about the employer, average monthly income and monthly expenses, etc.

7.3. Processing of the above-mentioned personal data of the Client for the following purposes: consideration by the Bank of the possibility of concluding an Agreement with the Client, a positive or negative decision on the conclusion of which may be made by the Bank, including through exclusively automated processing of the Client's personal data; verification of the accuracy of the information provided by the Client; execution and termination of the Agreement; collection (payment, recovery) of debt under the Agreement; assessment of the Client's solvency; search for and verification of his place of work, actual address of residence, telephone number and other data received from the Client; identification of the Client's interest in the Bank's products; assignment of the Client to marketing segments; promotion and provision (provision) of other services and products of the Bank to the Client (including, without limitation, consideration by the Bank of the possibility of concluding other agreements related to the provision of other services provided by the Bank).

7.4. By concluding the Agreement, the Client instructs the Bank to request data on its credit history from the credit history bureau at any time in order to receive personal offers of banking products from the Bank on special terms.

7.5. The Borrower hereby grants the Bank an irrevocable, unconditional right and consent to perform the following actions:

a) provision by the Bank to the Credit Bureau “Credit Information Analytical Center” and/or the State Register of credit information regarding the terms of the Agreement (to the Credit Bureaus and to the Pledge Register);

b) make telephone calls to telephone numbers, send letters, emails and SMS messages to the addresses (details) known to the Bank to the Borrower, his spouse, as well as his relatives, the Borrower’s employers on the issue of fulfilling the Borrower’s obligations under the microloan;

c) conduct negotiations (meetings) with the Borrower, his/her spouse, as well as his/her relatives, the Borrower’s employers on the issue of fulfilling the Borrower’s obligations under the microloan;

d) request information about the Borrower’s income from employers, contact employers with a request to direct monetary funds due to the Borrower (salary, benefits, etc.) to pay off the loan debt;

e) collect (receive) and process the Client's Personal data from the Client and any third parties, as well as transfer the Client's Personal data to third parties, including transferring for provision by state and non-state databases, information about the Client to the Bank, financial institutions, database operators, as well as financial institutions - from all state and non-state databases directly or through third parties, disseminate Personal data in publicly available sources, taking into account the requirements of the current legislation of the Republic of Uzbekistan and the requirements of international law (requirements of international treaties);

f) collect and process personal data without the consent of the Client in cases established by the laws of the Republic of Uzbekistan, including in other banks and/or organizations for the purpose of carrying out any debt collection activities not prohibited by the legislation of the Republic of Uzbekistan;

g) if the relevant agreement(s) concluded between the Client (whose representative is the Client) and the Bank provide for/will provide for the transfer of the Client’s personal data by the Bank via open communication channels (including cross-border transfer), the Client is aware of the risk of unauthorized receipt of information by third parties and assumes such risk;

h) in accordance with the procedure established by the legislation of the Republic of Uzbekistan, carry out any action (operation) or a set of such actions (operations) with the Client's personal data, including those carried out using automation tools or without the use of the latter, including, but not limited to, collection, processing, recording, copying, backup, protection, screening, scoring, systematization, accumulation, storage within the Bank and outside it (in compliance with security and confidentiality requirements), clarification (modification, updating), retrieval, use, transfer (distribution, provision of access, including transfer to third parties with the right to process the Client's personal data), depersonalization, blocking, deletion, destruction, including the implementation of these actions by a third party on behalf of the Bank, if this does not contradict the requirements of the legislation of the Republic of Uzbekistan. Notification of the Client about the receipt by the Bank from third parties and/or the transfer by the Bank to third parties of the Client's personal data is not required, such Personal data can be collected, processed, transferred by the Bank without notice;

i) for the Bank to transfer its rights (claims) under the Agreement to a new creditor as a result of the fulfillment by the creditor of the Borrower’s obligation, with the provision to that person of the Borrower’s personal data and the information contained in the Agreement;

j) connection of the Auto-Repayment service;

k) transfer of the Mobile Phone Number to the Mobile Operator and their processing.

At the same time, the implementation of the above actions by the Bank does not constitute disclosure of banking secrecy.

3. RIGHTS AND OBLIGATIONS OF THE PARTIES

Client has the right:

8.1. To repay the microloan before the deadlines established by the Agreement at any time, without imposing penalties.

8.2. Refuse to receive a microloan free of charge after concluding the Agreement during the period before receiving the funds.

8.3. During the term of the Agreement, once a month during one working day, receive the following information in written form free of charge:

about the amount of money paid on the microloan;

about the remaining debt on the principal amount;

about the amount, composition and terms of regular payments (payment schedule);

about the amount and composition of overdue debt;

about the direction of incoming funds to repay the debt on the microloan.

The Client accepts the condition that the exchange of such documents is carried out in electronic form by RBS means, which are equivalent to a document on paper and have the same legal force.

8.4. other rights in accordance with the general agreement on servicing individuals of jsc “apex bank” and the current legislation. client undertakes:

Client undertakes:

8.5. Repay the Amount overdue on the microloan and make all payments stipulated by the agreement in full in accordance with the Agreement, including in the event of claims regarding completed transactions until the final decision is made to satisfy such claims.

8.6. Ensure the amount of microloan payments on the account opened for microloan repayment no later than the payment date. If there is no amount on this account on the payment date (inclusive) sufficient for the Bank to write off the microloan payments, an Overdue Amount Overdue is formed, information about which is provided by the Bank to the credit history bureau, which negatively affects the Client's credit history.

8.7. Not to transfer the Mobile Phone Number and/or Customer-premises equipment linked to RBS to third parties. In case of violation of this clause by the Client, the Client shall bear responsibility for all actions and operations.

8.8. At the request of the Bank, if necessary, provide the Bank with any documents confirming the financial and property status of the Client within 3 working days from the date of receipt of the Bank’s corresponding request.

8.9. In the event of a change in full name, place of residence, place of work, individual details, personal, biographical data or other information, notify the Bank of these changes within 5 (five) business days from the date of such changes.

8.10. Not to undertake any obligations or measures that may lead to a deterioration in the financial condition of the Client and the emergence of a threat of non-fulfillment and/or improper fulfillment by the Client of obligations to the Bank under the Agreement.

8.11. Not later than the next working day after submitting Statements to the employer on termination of the employment contract, notify the Bank of this.

8.12. Provide the opportunity for the Bank, its employees and legal successors, outsourcing companies to check and recheck the data provided by the Client, using any sources of information, as well as the information specified in the Credit Application and documents submitted by the Client to obtain a microloan, including by visiting their place of residence, work, etc.;

8.13. Grant the Bank an unconditional, irrevocable and unconditional right to debit funds from any account of the Client in the Bank upon the maturity of the principal debt and/or other payments on the microloan arising from the terms of the Agreement, as well as from the Client's accounts in other banks, in the order of priority stipulated by the Agreement.

8.14. At the request of the Bank, reimburse it for all expenses and losses incurred by the Bank, including in connection with the adoption of measures for the forced and/or early collection of debt on a microloan (principal debt and other payments) provided under the Agreement;

8.15. The Client has no right to fully or partially assign its rights and obligations under the microloan to another person without the consent of the Bank;

8.16. Before the expiration of the identity document of the Borrower, on the basis of which the microloan was issued, replace it and undergo a new identification in the RBS systems or the Bank's offices. The expiration of the identity document entails the suspension of all transactions on the accounts (including remote ones), which may negatively affect the repayment of payments on the microloan (even if there are funds in the Borrower's accounts), i.e. lead to the formation of overdue loan debt with the accrual of an increased interest rate specified in the Individual Terms of the Microloan;

8.17. When the Bank transfers its rights (claims) under a microloan to a new creditor, fulfill the obligations assumed in the amount and under the conditions that existed at the time of transfer of rights;

8.18. Do not disclose one-time passwords, the password of the Mobile device in whose memory the Bank's Mobile Appendix is installed, do not transfer the card/card details to which the microloan amount has been transferred, the Mobile device in whose memory the Bank's Mobile Appendix is installed, to third parties, take the necessary measures to prevent loss, damage, theft of the card to which the microloan amount has been credited, the Mobile device in whose memory the Bank's Mobile Appendix is installed.

The bank has the right:

8.19. During the lending process, the Bank has the right to check the financial status of the Client. The frequency of such checks is established by the Bank, in the following cases:

1) violation and/or non-fulfillment and/or improper fulfillment by the Client of the obligations assumed under the Agreement;

2) deterioration of the financial condition of the Client and/or if a criminal case has been initiated against the Client, an arrest has been imposed and/or if there has been a freezing and/or suspension of transactions with the Client’s funds or other property;

3) the Bank has established facts that the Client has provided false information;

4) the Client’s evasion of banking control, including the inability to carry out proper verification of the Client and/or when the Client carries out suspicious and/or questionable transactions in accordance with the requirements of the Internal Control Rules for combating the legalization of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction in commercial banks;

5) untimely repayment of the principal debt and/or other payments under the Microloan arising from this Public Offer, Individual Terms of the Microloan;

6) the emergence of any factors that increase the risk of non-repayment of the microloan;

7) in case of suspicion of unauthorized use of the Bank Card (to which the microloan was provided);

8) provision of false or inaccurate information (documents) or refusal to provide information requested by the Bank, including for monitoring the microloan, the financial status of the Borrower;

9) failure of the Bank to comply with economic standards established by the Central Bank of the Republic of Uzbekistan.

8.20. In case of violation of the obligations specified in clause 8.5, the Bank has the right:

- present the Amount overdue on the microloan for early collection, notifying the Borrower of this within the timeframes established by law;

- the date of sending a written notice shall be the date of its delivery to the Client or the date of mailing;

- foreclose on the microloan security ahead of schedule;

- at its sole and absolute discretion, initiate legal proceedings to collect and enforce obligations under the Agreement;

- write off funds from any account of the Borrower opened with the Bank in an unaccepted and uncontested manner, with the use of funds to pay off the principal debt, interest, and/or other payments on the microloan arising from the terms of the Agreement, and in their absence, from any other accounts, including in other Banks.

8.23. In order to notify the Client of the next repayment on the microloan within 8 (eight) calendar days before the scheduled date of repayment of the debt under the Agreement, inform the Client via e-mail or in the Personal account in RBS funds or by SMS notifications/PUSH notifications to the mobile phone number provided by the Client in the Credit Application about the upcoming payment according to the repayment schedule and the procedure for its repayment.

8.24. The Bank may, at its own discretion, apply or not apply any of the rights/requirements specified in this Public Offer. Failure to apply or partial application of these rights/requirements will not mean a waiver of these rights/requirements, and they may be applied at any time during the term of the Agreement.

8.25. The Bank has the right to contact the Client and send him/her notifications and alerts about the existence of overdue debt and failure to fulfill obligations under the Agreement using the means of communication and to the addresses (phones) specified in the loan application and in other documents provided by the Client to the Bank to receive a microloan, as well as using the contact information received from the Client and third parties, including by telephone, sending an SMS notification to a telephone number, through the postal service at the address of permanent registration/actual residence, by e-mail, or any other means of communication, as well as by visiting the Client at the specified address of permanent registration/actual residence/place of work.

8.26. The bank has the right to demand the return of outstanding funds on the microloan, and other additional requirements.

8.27. The Bank has the right to write off monetary funds available in all accounts of the Borrower (salary and equivalent payments, bank card and other accounts) necessary to satisfy its claims, without acceptance (consent) in accordance with Article № 783 of the Civil Code, a memorial order or a payment request.

8.28. In the event of a violation and/or non-fulfillment and/or improper fulfillment by the Borrower of the obligations assumed under the Agreement, transfer its rights (claims) under the Agreement to another/third party (who is not the debtor under this obligation), as a result of the fulfillment of the Borrower's obligation, without the consent of the Borrower, in accordance with Articles 313, 315, 318 of the Civil Code of the Republic of Uzbekistan.

In this case, the Bank has the right to retain the security under the Agreement until the Borrower’s obligations to the third party are fully fulfilled or to transfer these rights to a third party (hereinafter referred to as the new creditor) at its discretion.

The bank undertakes:

8.29. Provide the Client with the opportunity to use the microloan within the amount and within the timeframes specified in the Public Offer and Individual Terms of the Microloan;

8.30. In order to collect the debt on the microloan, notify the Client in the established form of the need to repay the debt and the consequences of failure to fulfill obligations under the microloan within 7 (seven) calendar days from the date of occurrence of the overdue debt, using any means of communication agreed with the Client in the agreement. Personal delivery of the notice and oral reminder about this by telephone is not carried out in the period from 20:00 to 8:00 local time.

8.31. In order to prevent a further increase in the Client's debt burden, notify within 7 (seven) calendar days from the date of occurrence of overdue debt under the Agreement via electronic mail or in the Personal account in RBS funds or by SMS notifications/PUSH notifications to the mobile phone number provided by the Client in the Credit Application about the occurrence of overdue debt with Appendix m of the repayment schedule and the procedure for its repayment.

8.32. In the event of full fulfillment of obligations under the Agreement, within one business day from the date of receipt by the Bank of the relevant request from the Client, provide a document via the RBS systems or, at the Client’s request, in writing, confirming full fulfillment by the Client of obligations under the Agreement.

8.33. Within five working days from the date of registration of the relevant request of the Borrower in the Bank, provide a document confirming the provision of a microloan to the Client.

9. RESPONSIBILITIES OF THE PARTIES

9.1. The Parties shall be liable for failure to perform or improper performance of their obligations under the Agreement in accordance with the terms of the Agreement and the Current Legislation.

9.2. The Parties shall be released from liability for full or partial failure to fulfill their obligations under the Agreement if the failure to fulfill is a consequence of force majeure circumstances, i.e. extraordinary and unavoidable circumstances under the given conditions. The Parties shall confirm the existence of force majeure circumstances with documents from competent authorities. Such circumstances shall include, among other things, military actions, mass riots, natural disasters, changes in the military-political situation, power outages, strikes, decisions of state authorities and local governments, the issuance of laws and other regulations that make it impossible to fulfill the obligations stipulated by this Public Offer.

9.3. The Client is liable to the Bank with all of its property for the timely and complete repayment of the microloan, as well as for the reimbursement of legal costs for debt collection caused by the failure to fulfill or improper fulfillment of obligations by the Client.

9.4. In case of failure to fulfill or improper fulfillment of its obligations under the Agreement, the Bank shall be liable in accordance with the General Agreement on servicing individuals of JSC “APEX BANK” and the Current Legislation.

9.5. The Bank shall not be liable for failure to fulfill or untimely fulfillment of these terms of the Public Offer, in the event of technical failures (power outages/damage to the power supply and communication networks, technical failures in the operation of the Payment Systems), in the event of incorrect/incomplete indication by the Client of the details for transferring funds to the account.

9.6. The Bank has the right to charge and collect interest, penalties, and fines in an amount not exceeding half of the loan amount per year, and also to demand compensation from the Borrower for all losses and damages, and expenses incurred by the Bank in order to repay the amount of the Borrower's debt.

9.7. Payment of the penalty does not release the Parties from fulfilling their obligations or eliminating violations.

9.8. The Bank shall not be liable for the Client’s errors or the Client’s duplication of any operations to repay the microloan.

9.9. The Bank is not responsible for damage resulting from the loss or transfer by the Client of the Mobile Device to unauthorized persons.

2. PROCEDURE FOR RESOLVING DISPUTES AND PROCESSING REQUESTS

10.1. All disputes arising during the execution of the Agreement by the parties will be considered by the parties in advance in order to develop a mutually acceptable solution. If the parties fail to reach an agreement, the dispute between them will be resolved in accordance with the procedure established by the current legislation of the Republic of Uzbekistan in a court of general jurisdiction at the location of the Bank.

10.2. All disputes between the parties arising from the Agreement shall be resolved in the manner provided in this Public Offer and the General Agreement on Servicing Individuals of JSC «APEX BANK».

10.3. The liability measures of the Client and the Bank not provided for in this Public Offer shall be applied in accordance with the legislation of the Republic of Uzbekistan.

10.4. In the event that the insurance organization pays the Bank insurance compensation for the Client’s debt on a microloan, the insurance organization shall acquire the right to demand compensation of funds from the Client in a recourse manner in accordance with the current legislation.

3. DURATION OF THE CONTRACT

11.1. The Agreement shall enter into force from the moment the Client accepts the Individual Microloan Terms.

11.2. The Agreement is valid during the period of microloan lending and terminates after the Client has fully fulfilled his obligations under it.

12. FINAL PROVISIONS

12.1. The loan is issued 24/7 via the Bank's mobile application.

12.2. Conditions not specified in this Public Offer are governed by the current legislation of the Republic of Uzbekistan.

12.3. The Client expresses its consent to receive from the Bank advertising materials related to the promotion of the Bank's services by making direct contacts using all means of communication, including, but not limited to: mailing, SMS mailing, voice mailing, email mailing, etc.

12.4. In the event of a dispute, bank records will be the primary evidence of the obligations of both parties under this Public Offer/Agreement.

12.5. In the event of the death of the Borrower, all his rights and obligations shall pass to his heirs in the manner established by the legislation of the Republic of Uzbekistan.

12.6. The Agreement is considered concluded on the terms of the Public Offer, valid at the time of acceptance by the Client from the moment of acceptance by the Client of the Individual Terms of the Microloan and is valid until the Bank and the Client have fully fulfilled their obligations.

12.7. The public offer is considered valid from the moment and during the period of its publication in the RBS system/on the Bank’s website.

1. GENERAL PROVISIONS

1.1. This public offer agreement for servicing bank cards in national or foreign currency issued by JSC “APEX BANK” for individuals (hereinafter referred to as the Agreement) is a public offer (hereinafter referred to as the Offer) of Joint Stock Company “APEX BANK” and, in accordance with Part 2 of Article 369 of the Civil Code of the Republic of Uzbekistan, an official public offer to conclude the Agreement on the terms specified below to all individuals.

1.2. The Agreement shall be deemed concluded and shall come into force from the moment the Client performs the actions specified in paragraph 2.2 of this Offer, which confirm the Client’s consent to conclude the Agreement on the terms and conditions established in this Offer.

1.3. The current and previous versions of the Offer are posted on the official corporate website of the Bank at: www.apexbank.uz.

1.4. Basic Terms and Definitions:

Bank — divisions of JSC “APEX BANK” providing retail services to Clients.

Bank card — a payment card of local or international payment systems issued by the Bank, used as a means of payment and providing its holder with the opportunity to carry out transactions in national and foreign currencies, within the balance of funds on the Card account or within the established limit and under the terms of the current legislation of the Republic of Uzbekistan.

Virtual bank card — a digital version of a bank card intended exclusively for online transactions. It does not have a physical medium and is used to make payments on the Internet. A virtual card is issued by the Bank, has a unique number and expiration date, and allows its holder to carry out transactions within the balance of funds on the card account or within the established limit in accordance with the current legislation of the Republic of Uzbekistan.

Additional card — a Bank card issued additionally in the name of the Client and providing the opportunity to carry out transactions within the funds on the Card Account or within the established limit to which the originally issued Bank card is linked.

Organization — a legal entity, an organization without forming a legal entity (representative offices, branches, etc.) or an individual entrepreneur who has entered into an Agreement with the Bank for the implementation by the Bank of a system for crediting wages and equivalent payments, as well as pensions, compensations and other social payments to bank cards in national currency issued by the Bank for employees of the Organization.

Employee of the Organization/Client — an individual who is in labor or civil law relations with the Organization. For the purposes of applying the Agreement, the definition also applies to persons receiving pensions and benefits, as well as students/cadets/listeners of higher educational institutions and educational institutions of the Republic of Uzbekistan.

Personal identification document (hereinafter referred to as PID) — biometric passport of a citizen of the Republic of Uzbekistan, including for travel abroad, identity card or military ID cards of military personnel issued by the command of military units and military institutions (except for military ID cards of citizens liable for military service), ID cards of the Republic of Uzbekistan, new-style driver's license, passport of a foreign citizen or residence permit in the Republic of Uzbekistan of a foreign citizen, residence permit in the Republic of Uzbekistan of stateless persons. For the provision of banking services to minors from 14 to 16 years old, the identity document is an ID card and/or biometric passport, including for travel abroad.

Wages — wages and equivalent payments in accordance with the law (including pensions and scholarships).

Client — an individual who has applied to the Bank to open a Card Account and issue a Bank Card or, if available, to receive a service.

Card Account — a bank account of the Client, the management of whose funds can be carried out using a Bank Card.

TSE — a Trade and Service Enterprise (legal entity and/or individual entrepreneur) selling goods (works, services) using Terminals for settlements using Bank Cards.

Authorisation — the procedure for obtaining permission from the Bank (issuer of the bank card) to perform a transaction using a Bank Card via telephone, electronic or other communication according to the rules provided by the payment organization.

Remote banking service (further - RBS) — a set of Bank services provided on the basis of electronic orders transmitted (received) by the Client remotely using telecommunications systems.

Transaction — a Client's operation with their Card Account and/or via a Bank Card, including making a payment, withdrawing funds, etc.

PIN code — a personal identification number confirming the right to manage funds on the card account and permission to manage funds of the bank card holder.

Blocking a Bank Card — measures that suspend or terminate the functioning of a Bank Card (in the latter case, the Bank shall confiscate the Bank Card upon its presentation for servicing).

Unblocking a Bank Card — the Bank taking measures to resume the functioning of the Bank Card.

ATM — an automated electronic and technical device that allows the Client to make cashless payments, receive and deposit cash monetary funds in self-service mode with receipt of a check for completed transactions, change access passwords and receive information on the balance of the Bank card.

Terminal — an electronic device for making payments that allows the Client to pay for goods (works, services), receive cash monetary funds in the Bank and payment checks for completed transactions, change the PIN code and receive information on the balance of the Bank card.

Infokiosk — an automated electronic and technical device that allows the Client to carry out transactions with the Bank card in self-service mode, make cashless payments in favor of the TSP and other payments, as well as change the PIN code, receive information on the balance of the Bank card, on the status of the Card account in the Bank, replenish the card account with cash if the Infokiosk has an On-line connection.

Online account — Balance of the Client's Bank card in the front-end system of the Processing center.

Contact center — a division of the Bank that provides remote services to the Client by phone, online chat, email in the form of providing information on transactions performed, blocking the Bank card, etc.

Control word for telephone conversations — a code word or set of characters intended to confirm the identity and authority of the Client. The password for telephone conversations is specified by the Client in the application for the issue and servicing of bank cards in national currency for individuals, according to Form № 1 approved by the Bank.

Account book — a financial document of the Organization containing the necessary details for crediting wages to the Organization's employees. The statement is submitted to the Bank in electronic form and/or on paper.

Register — a list of the Organization's employees compiled by the Organization, which indicates the full names of the Organization's employees, passport details, date of birth, place of birth, place of registration and other mandatory details.

Transit account — a bank account of the Organization opened for transferring wages (pensions, scholarships) from the main demand deposit account or from the personal account of the Treasury of a budgetary Organization to the Card accounts of the Organization's employees.

Electronic notification — short messages of a standard format sent by the Bank via the Internet and/or mobile communications to mobile phones (SMS, PUSH) and/or email of the Client.

Third-party payment organization — Third-party payment organization is a legal entity that has exclusive rights to trademarks and (or) service marks identifying the payment system. This organization develops, approves and implements the rules for the operation of the payment system, including the procedure and conditions for conducting transactions, settling settlements, and requirements for system participants. Such organizations may also establish security standards and technical specifications that are mandatory for all participants in the payment system, including card issuers, acquirers and other interested parties.

Compromising — loss of confidence that the Password used to access the payment system or the means of confirmation are used only by the person authorized to use them Client.

A co-branded bank card — a joint product of banks and various companies. A Bank partner may be a mobile operator, a medical center, a grocery store, an airline, and others.

Personal data — information recorded on electronic, paper and (or) other tangible media, related to the Client or enabling his identification.

Limit on Transactions — a restriction set by the Bank / Client on the execution of Transactions (Orders) performed using Cards and/or RBS (if the Bank has such an option).

Reversal — cancellation of a transaction on a Card in a terminal, ATM, or cancellation of a transaction for technical reasons, in the event of a communication error (communication failure), or in the event of the Client's refusal to purchase goods (services).

Courier Service — the Bank's Courier and/or the Courier Service that has a contractual relationship with the Bank, ensuring the delivery of cards to Clients based on their requests or without them (at the initiative of the Bank).

2. SCOPE OF AGREEMENT

2.1. The scope of the Agreement concluded by the Client by joining this Offer through the performance of actions provided for in this Offer is the opening by the Bank of Card accounts, the issuance of Bank cards, as well as the servicing of Card accounts and Bank cards in accordance with the terms of the Agreement and current legislation.

2.2. In case of receiving banking products and services through RBS channels, the application is submitted and the agreement is concluded in the Acceptance Form, with recording in RBS channels.

2.3. Accession to the terms of the Offer is carried out by submitting Statements on Form № 1, approved by the Bank, regardless of the type of payment system, both during a personal visit to the Bank and through remote banking systems (RBS).

When visiting the Bank, the Client provides an identity document, with a subsequent scanned copy (the original is returned to the Client). The Client accepts the Bank's Offer by signing Statements on Form № 1 or by request through the RBS systems.

The Client, by accepting this Offer Agreement, confirms its consent to its terms, assumes obligations under the Agreement and agrees to the current Tariffs of the Bank.

2.4. If the Client is a minor, the Bank may also request the following documents:

- a copy of the parent's or guardian's passport (for minors);

- a document establishing guardianship/trusteeship over the Client (if applicable);

- a document recognizing the Client as incapacitated or on limitation of legal capacity (if applicable);

- a certificate issued by a local government body or a private homeowners' association with a photograph of the minor. The photograph on this certificate is also certified by the seal (if there is a seal) of the local government body or private homeowners' association (for persons under 14 years of age).

2.5. When submitting a request for the issue and servicing of Bank cards and servicing of Card accounts of individuals through the RBS Bank systems, the Statement on Form № 1 approved by the Bank is not filled in by the Client. Pressing the virtual (screen) key "I agree with the offer" in the Bank's mobile application means signing and submitting to the Bank the Statements on the issue of a bank card, unconditional acceptance by the Client of all the terms of this offer.

3. THE PROCEDURE FOR OPENING A CARD ACCOUNT, ISSUING AND USING A BANK CARD

3.1. A card account is opened by the Bank within 2 (two) banking days, and a bank card within 5 (five) banking days, from the date of submission of Statements on Form № 1.

- When issuing a Bank Card within the framework of a salary project, the Bank Card is opened under the following conditions:

- subject to the conclusion between the Bank and the Organization of an Agreement on support of the Salary Project and the implementation by the Bank of a system for remote transfer of wages and equivalent payments, as well as pensions, compensations and other social payments (hereinafter referred to as the "salary project") to bank cards in national currency issued by the Bank for employees of the Organization.

3.2. subject to the provision of the Register of the Organization's employees participating in the salary project on paper or through RBS channels. The Register must contain the following data on each employee: full name (Surname, Name, Patronymic), passport details, date of birth, place of birth, place of registration and other mandatory details. The Register must be compiled in accordance with the requirements of the Bank and provided both in paper and electronic formats, to automate the process of entering data into the automated system of the bank.

3.3. The application for issuing a card may be accepted during the Client’s visit to a bank branch, or remotely, without appearing at the Bank, with mandatory remote identification.

3.4. Operations to open a Card Account and issue a bank card, carried out directly at the Bank, may be carried out either directly by the Client or by a person to whom a power of attorney has been issued in accordance with the procedure established by law.

3.5. The Client grants the Bank the right to draw up settlement documents on its behalf for non-cash transactions on the Card Account. The Bank draws up settlement documents on behalf of the Client based on the Client's applications, executed on forms in the form established by the Bank and signed by the Client personally or by an authorized person acting on the basis of a power of attorney, except for the cases specified in paragraph 4.1.4. of this Agreement, as well as when the Client makes electronic payments using the RBS Bank systems and third-party payment organizations. The signature of the Client (authorized representative) must correspond to the sample signature available on the PID (if available in the PID form).

3.6. After opening a Card Account and issuing a Bank Card, the Bank transfers the Bank Card to the Client through the following channels:

- bank branch;

- courier service.

3.7. The choice of the channel for receiving the card is made by the Client when submitting the application.

The transfer of a bank card at the Bank's branches or via courier service is carried out with mandatory authentication of the Client using the original identity document (PID). The fact of transfer of the bank card is recorded in the journal or on the bank card receipt form.

In case of transfer of the card via courier service, the fact of receipt of the bank card is confirmed by the Client using one of the following methods:

- electronic signature on the tablet;

- signing the form of the bank card receipt form.

3.8. All cards delivered via courier service must be in a sealed envelope. In this case, the status of the card being transferred is “Blocked” for independent activation of the card via the bank’s mobile application.

3.9. Payment for the services of the Courier Service is made by the Bank.

3.10. In order to receive an Electronic Notification of transactions using a Bank Card, upon receipt of the SMS notification, the following is connected:

- to cards of international payment systems - automatically;

- to cards of the UzCard payment system - in ATMs;

- to cards of the Humo payment system - in Bank branches.

3.11. The card account can be used by the Client for:

- crediting funds to the Client's account from other accounts, both the Client's own and from the accounts of other individuals or legal entities in accordance with the law;

- conducting non-cash transactions within the framework of the current legislation;

- transferring funds for the purpose of opening term and/or savings deposits if there are appropriate types of deposits, under the terms of separately concluded agreements;

- accounting for funds that are credited upon expiration of the term of the term/savings deposit to the Card Account;

- receiving funds received through international money transfer systems, if the Client expresses a desire to receive funds in national currency;

- depositing and receiving cash;

- conducting other transactions/actions with the Card Account within the framework of the current legislation.

3.12. Operations on non-cash transfer of funds from the Card Account and preparation of settlement documents by the Bank on behalf of the Client are carried out on the basis of Statements in the form approved by the Bank, signed by the Client and upon presentation of the Bank Card linked to the Card Account. The Client may not present the Bank Card only in the event of termination of this Agreement, or if it is possible to make a non-cash transfer by sending a one-time password by the Bank without using the Bank Terminal.

3.13. The bank card can be used by the Client:

- when making payments for goods, works and/or services in TSE via Terminals/Internet networks, using the CVV code (for cards of international payment systems);

- when making payments via ATMs or information kiosks;

- to receive cash at the Bank's (or other Banks') cash desks, via ATMs or information kiosks;

- performing other actions within the framework of current legislation and this agreement.

3.14. The validity period of the Bank Card is set by the Bank and is indicated on the front side of the Bank Card.

3.15. The terms of this Agreement shall apply to the issuance and servicing of the Additional Card, unless otherwise provided by the current legislation of the Republic of Uzbekistan.

3.16. In order to ensure security and protection of information, as well as to maintain the quality of service at the proper level, the Bank may record telephone conversations without additional notice to the Client.

3.17. In case of Compromise, the Bank reserves the right to block the Bank Card. Unblocking of the Bank Card may be carried out upon resolution and elimination of the reasons that previously led to its blocking.

3.18. Blocking of a Bank Card may be carried out at the initiative of the Client in the following ways:

- by contacting the Contact Center;

- by visiting the Bank;

- via RBS systems.

To unblock a Bank Card, the Client undergoes identification via RBS channels or by calling the Bank's Contact Center and naming the Control Word for telephone conversations, or other necessary parameters for identifying the Client, in accordance with the Product Passport for Bank Cards, published on the Bank's official website.

3.19. Blocking of a Bank Card may be carried out in accordance with the requirements of legislation in the area of combating the legalization of proceeds from criminal activity and the financing of terrorism and the financing of the proliferation of weapons of mass destruction in commercial banks, as well as by order of specially authorized bodies.

3.20. A bank card may be confiscated by the Bank in the event of:

- use of the Bank Card by an unauthorized person;

- reissue of the Bank Card if it has not been lost;

- closing of the Card Account.

3.21. Salaries received from the Organization are credited to the Bank Card Account opened within the framework of salary projects within 3 (three) banking days from the moment of their receipt in the Transit Account.

In this case, monetary funds are not credited to the Client's account in cases where the Organization has committed the following deficiencies:

- if the Organization fails to provide the Statement no later than the next banking day from the moment the funds are received in the Transit Account.

- if the Client's full name and Card Account number in the Statement do not match the Client's real full name and Card Account number in the Bank's ABS;

- if the Bank does not receive the Statement and/or Register in the form established by the Bank;

- if the signatures and seal on the Statement do not match the corresponding data presented in the Organization's Signature Specimen Card;

- if the amount received in the Transit Account and the total amount indicated in the Statement do not match;

- if the Client's PID expires, as well as if the documents are not provided at the request of the Bank under the terms of this Agreement;

- in other cases stipulated by the current legislation of the Republic of Uzbekistan.

If the Organization has the ability to remotely credit funds to the Card Accounts of the Organization's Employees, it is released from the obligation to provide the Statement to the Bank. If the Organization fails to eliminate the above-mentioned deficiencies within 3 (three) banking days from the date of its notification, the Bank returns the monetary funds previously received on the Transit Account to the account of the sending Organization

3.2. Interest is not accrued on the balance of funds on the Card Account, unless otherwise established by the Bank’s current Tariffs.

4. RIGHTS AND OBLIGATIONS OF THE PARTIES

4.1. The Bank has the right:

4.1.1. If necessary, in accordance with the procedure established by law, verify the legality of the transactions carried out by the Client on the Card Account and request the necessary supporting documents related to the provision of services provided for in this agreement.

4.1.2. Withdraw the Bank Card under the following conditions:

- upon termination of this Agreement;

- when the Bank Card is used by an unauthorized person;

- reissue of the Bank Card, if it has not been lost.

4.1.3. Change the Bank's Tariffs, whereby the Bank notifies the Client of the changes made to the Bank's Tariffs 10 (ten) banking days before they are put into effect by posting the relevant information in the Bank, at Client service locations, and on the Bank's official website.

4.1.4. Without the Client’s consent, write off from the Card Account and other accounts opened in other banks of the Republic of Uzbekistan:

- the amounts of transactions made using the Bank Card, including when the Client makes electronic payments via RBS;

- the Bank's commission fee in accordance with the Bank's Tariffs;

- the amounts of Transactions made in excess of the active balance of the Card Account;

- money mistakenly credited to the Card Account, if there is appropriate justification;

- amounts sufficient to pay off any debts of the Client that arose as a result of other current contractual relations existing between the Client and the Bank and not paid off within 5 (five) banking days from the date of their formation.

4.1.5. In accordance with the legislation of the Republic of Uzbekistan on combating the legalization of proceeds from criminal activity, the financing of terrorism and the financing of the proliferation of weapons of mass destruction in commercial banks:

- require the Client to provide documents and information necessary to perform due diligence on the Client, including additional information on the Client's transaction;

- refuse to open a Card Account and issue a Bank Card or to perform the Client's transaction on the Card Account, or unilaterally terminate the Agreement if it is impossible to perform due diligence on the Client;

- in the event of a discrepancy between the transactions and the information specified in the Client's KYC questionnaire, reject the transactions, refuse to provide the service and unilaterally terminate this agreement;

- suspend the transaction on the Card Account and freeze the monetary funds used in the transaction in cases established by the current legislation of the Republic of Uzbekistan;

- request additional information in order to study the Client's transaction, set limits on the transaction amount, refuse transactions or unilaterally terminate the Agreement if the Client or its transaction is subject to sanctions and there is such a risk.

4.1.6. Suspend the crediting of funds and their debiting according to the Client’s application, in the event of expiration of the Client’s identity document, as well as in the event of failure to provide documents at the request of the Bank under the terms of this Agreement.

4.1.7. Return to the sender’s account monetary funds to be received within the framework of settlements between the employer and the employee in cases stipulated by law.

4.1.8. Provide the Client with additional remote notification services regarding the status of the Card Account or RBS services in the established manner.

4.1.9. When accepting Statements for reissue of a Bank Card according to Form № 1, demand the return of the previously issued Bank Card from the Client (except for reissue due to loss of the card).

4.1.10. Request information from the Client related to the provision of services provided for by this Agreement;

4.1.11. Establish and unilaterally make changes to the limits on transactions using RBS.

4.1.12. Block the Bank Card in cases established by the current legislation of the Republic of Uzbekistan and this Agreement.

4.1.13. Destroy the Bank Card that is not claimed by the Client within 90 (ninety) calendar days from the moment the Bank receives the Statements on opening the Bank Card in accordance with Form № 1. In this case, the fees for issuing and reissuing the Bank Card will not be returned to the Client.

4.1.14. Exercise other rights provided for by this Agreement and the current legislation of the Republic of Uzbekistan.

4.1.15. In case of discrepancy between the transactions and the information specified in the Client’s KYC questionnaire, reject the transactions, refuse to provide the service and unilaterally terminate this agreement.

4.1.16. Request additional information for the purpose of studying the Client’s transaction, set limits on the transaction amount, refuse to carry out a transaction or unilaterally terminate the Agreement if the Client or its transaction is subject to sanctions or there is such a risk.

4.2. The Bank undertakes:

4.2.1. Within 2 (two) banking days from the date of submission of Statements on Form № 1, open a Card Account and no later than 5 (five) banking days issue a Bank Card to the Client.

4.2.2. Credit monetary funds to the Card Account no later than the next business day, with the exception of paragraph 3.18.

4.2.3. Provide services for making payments on behalf of the Client within the framework of current legislation and under the terms of this Agreement.

4.2.4. Write off from the Card Account the amount of all Transactions carried out using the Bank Card and verified by entering a PIN code or using one-time variable codes (the conditions for confirming the authenticity of transactions are provided for in separate Rules for the provision of services using remote services).

4.2.5. Upon the Client’s written request or upon request through RBS Bank, issue a statement on the Card Account, and also, upon the Client’s contact with the Contact Center, provide information on the Transactions made on the Card Account, provided that the correct Control Word for telephone conversations is provided.

4.2.6. Maintain the secrecy of transactions on the Card Account and provide information constituting a banking secret to third parties only in cases stipulated by the current legislation of the Republic of Uzbekistan.

4.2.7. Block the Bank Card upon the Client’s written request or upon contacting the Contact Center, provided that the correct control word for telephone conversations is provided.

4.2.8. Unblock the Bank Card upon the Client’s written request, provided that the Client appears at the Bank or through RBS Bank channels, as well as by contacting the Contact Center, provided that the correct Control Word for telephone conversations is provided.

4.2.9. Notify the Client of all changes in the Bank's Tariffs by posting announcements on information boards, as well as on the Bank's official website no later than 10 (ten) banking days before they come into effect.

4.2.10. Upon termination of this Agreement, accept the Bank Card, close the Card Account and transfer the remaining funds on the Card Account, upon the Client’s instruction, to the demand deposit account specified by the Client.

4.2.11. Based on the Client’s written Statements in Form № 1, within 3 (three) banking days, reissue a new Bank Card due to damage/loss after paying the commission in accordance with the Bank’s Tariffs.

4.2.12. Other obligations stipulated by this Agreement and the current legislation of the Republic of Uzbekistan.

4.3. The Client has the right:

4.3.1. Freely manage your funds on your card account and within the established limit within the framework of current legislation and the requirements of this Agreement.

4.3.2. Grant a third party the right to receive the issued bank card, manage funds on the Card Account and Bank Card and receive a statement on the card by issuing a power of attorney, in the manner prescribed by current legislation.

In this case, the Client bears the risk of possible adverse consequences associated with the transfer of rights to manage the Card Account and Bank Card to third parties;

4.3.3. Receive from the Bank consultations, as well as information related to receiving services on the Client’s Card Accounts, including statements on Card Accounts and information on transactions performed.

4.3.4. Refuse to use the Bank Card with subsequent closure of the Card Account based on the Client's Statements with the transfer of the remaining funds from the Card Account to the specified deposit account until demanded by the Client.

4.3.5. Require the Bank to properly fulfill its obligations under the Agreement.

4.3.6. Using a Bank card, receive cash monetary funds from ATMs/cash desks, make payments for goods (works, services) through terminals/info kiosks/ATMs.

4.3.7. Receive a statement from your Card Account upon a written request to the Bank or receive information on Transactions by contacting the Contact Center, provided that you provide the correct Control Word for telephone conversations.

4.3.8. Receive information about the Bank's Tariffs, their changes, as well as new banking services using a Bank Card, both in the Bank's offices and on the Bank's official website.

4.3.9. Submit a Statement for reissuing a Bank Card or for opening an additional card with payment of its cost in accordance with the Bank's Tariffs.

4.3.10. File claims regarding incorrect debiting of funds from his/her Card Account within 2 (two) banking days from the date of receiving information about the status of his/her Card Account. Incorrect debiting is defined as debiting funds from the Card Account without the Client's knowledge and due to an error by the Bank, with the exception of the transactions listed in paragraph 4.1.4. of this Agreement.

4.3.11. In case of loss or damage of the Bank Card, contact the Bank with a Statement for its reissue in accordance with Form № 1.

4.3.12. Block and/or unblock a bank card through the RBS Bank systems, by sending a written request to the Bank or by calling the Contact Center. Unblocking a bank card is impossible if the blocking was carried out at the request of authorized bodies and/or in other cases provided for by law.

4.4. The Client undertakes:

4.4.1. Upon receipt of the Bank Card:

• present the original PID at the Bank's office or via courier service;
• set the PIN code yourself via a terminal, ATM or the Bank's mobile application.

4.4.2. Pay for Transactions made using a Bank Card, verified by entering a PIN code or using one-time variable codes (the conditions for confirming the authenticity of transactions are provided for in separate Rules for the implementation of Remote Banking Services using the payment systems of the Bank and third-party payment organizations).

4.4.3. Provide, at the request of the Bank, documents and information necessary to carry out a proper check of the Client, including additional information on the transaction being carried out within the timeframes established by the Bank.

4.4.4. Pay the Bank’s commission fee in a timely manner in accordance with the Bank’s Tariffs.

4.4.5. Ensure the safety of the Bank Card and non-disclosure to third parties of the PIN code of the Bank Card, one-time SMS passwords, and also non-disclosure of the Control words for telephone conversations and access to the Payment Systems.

4.4.6. In the event of a change in passport and other data (last name, first name, patronymic, place of residence, contact telephone number, etc.), inform the Bank of these changes within 5 (five) banking days from the date of the changes in writing, with the provision of supporting documents.

4.4.7. In case of loss/theft of the Bank card, immediately block the bank card through RBS Bank, or contact the Contact Center, providing the correct Security Word for telephone conversations, or notify the Bank in writing.

4.4.8. When reissuing a Bank Card due to loss/damage, pay the Bank a commission fee in accordance with the Bank's Tariffs.

4.4.9. Use the Bank Card only within the active balance or within the established limit on the Card Account and do not allow debt to arise on it. If a negative balance forms on the Card Account, repay the entire amount of the debt no later than 10 calendar days from the date of the debt, except in cases where the Bank provides an overdraft service, which are regulated by a separate agreement.

4.4.10. When performing transactions on the Card Account, ensure that there are sufficient funds on your Card Account to perform the transaction and for the Bank to collect the fee for the services.

4.4.11. Not to carry out transactions on the Card Account related to the implementation of entrepreneurial activities.

4.4.12. Notify the Bank of the receipt of other people's funds to your Card Account within2 (two) business days from the date of receiving information about the status of your Card Account and return to the Bank monetary funds erroneously credited to the Card Account within 3 (three) banking days from the date of receiving information about the status of your Card Account.

4.4.13. Notify the Bank of an incorrect debit from the Card Account within 2 (two) business days from the date of receiving information about the status of your Card Account in order to return the incorrectly debited funds to the Card Account.

4.4.14. Bear full responsibility for the accuracy of the information and documents provided.

4.4.15. Within 3 (three) banking days, upon request of the Bank, provide documents and information related to the provision of services stipulated by this Agreement.

4.4.16. Independently familiarize yourself with the terms of the Bank's payment systems and third-party payment organizations for connection, access, and servicing on their official pages on the Internet.

4.4.17. Immediately inform the Bank in the event of a compromise or suspected compromise of your personal data, and accept the risks associated with the possibility of compromise of data transmitted via public telecommunications networks, including via the Internet.

4.4.18. Comply with the conditions for storage and use of the bank card established by the payment system operators and the bank, in accordance with Appendix № 1 to this Offer.

5. COMMISSION FOR BANKING SERVICES

5.1. The cost of services provided in accordance with this Agreement is determined by the Bank’s current Tariffs.

5.2. The fee for the Bank's services is charged from the Client's funds on the Card Account as individual transactions are carried out, by means of the Bank's direct debiting of the required amount. The Client may pay for the Bank's services for carrying out transactions both in cash and in non-cash form using funds on other accounts in the Bank.

5.3. The Bank has the right to unilaterally make changes to the Bank's Tariffs. The Bank shall notify the Client of the changes made to the Tariffs 10 (Ten) banking days before they are put into effect by posting the relevant information in the Bank at the Client service locations, as well as on the Bank's official corporate website. In the event of a change in the Bank's Tariffs in the direction of reducing the amount of commission fees (creation of favorable conditions for the Client), the Bank has the right to unilaterally apply these changes no later than the day following the entry into force of the Changes to the Bank's Tariffs.

6. RESPONSIBILITIES OF THE PARTIES

6.1. The Client is responsible:

6.1.1. For the legality of transactions carried out on the Card Account and the accuracy of the information and documents provided to the Bank;

6.1.2. For compensation to the Bank for losses caused/arising in connection with the illegal actions of the Client, including failure to return to the Bank funds erroneously credited to the Card Account;

6.1.3. For any Transactions that took place before the Bank received the Client’s written Statements, a request to block a bank card through RBS or an appeal to the Contact Center about the loss/theft of a Bank Card or suspicious activity on their Card Account;

6.1.4. For violation of its obligations and other conditions of this Agreement;

6.1.5. For all transactions using payment instruments of the Bank and third-party payment organizations.

6.1.6. The Client is responsible for the legality of transactions carried out on the Card Account and the accuracy of the information and documents provided to the Bank and is obliged to compensate the Bank for losses caused by illegal actions.

6.2. The Bank is responsible for:

6.2.1. Incorrect debiting from the Client’s Card Account in the amount of the incorrectly debited amount (actual damage);

6.2.2. Failure to open a Card Account in a timely manner, as well as to issue a Bank Card, except in cases where the Bank does not have them;

6.2.3. Unlawful disclosure of banking secrecy.

6.3. The Bank is exempt from liability in the following cases:

6.3.1. Untimely reflection of funds in the Client’s Online account, or their temporary unavailability, if the reason for this is technical failures in the operation of processing centers or other circumstances related to the activities of processing centers;

6.3.2. Refusal of a third party to service the Bank Card;

6.3.3. Quality of goods (works, services) purchased using a Bank Card;

6.3.4. Actions/inactions of other banks participating in the payment systems "UZCARD", "HUMO", "MASTERCARD", "UNIONPAY INTERNATIONAL", "VISA" as a result of which the Client suffered moral and/or property damage when performing transactions with the Bank Card in the service network of other banks participating in the payment systems "UZCARD", "HUMO", "MASTERCARD", "UNIONPAY INTERNATIONAL", "VISA";

6.3.5. Temporary reduction/deterioration/change of types of services, list of possible transactions, terms and technological conditions of servicing Bank cards, if this is caused by a change in versions of the equipment and cashless payment system of the Bank, other banks participating in the payment systems "UZCARD", "HUMO", "MASTERCARD", "UNIONPAY INTERNATIONAL", "VISA";

6.3.6. Limits, restrictions and additional rewards for transactions with a Bank Card established by a third party that may affect the interests of the Client;

6.3.7. Consequences of untimely written notification of the Bank about blocking of a lost/stolen Bank Card, including for transactions made by third parties using the Bank Card prior to receiving written notification of the theft and/or loss of the Bank Card from the Client, or prior to blocking the Bank Card after the Client has contacted the Contact Center;

6.3.8. Transactions made using the Bank Card by third parties as a result of the Client disclosing the PIN code and/or CVV code of the Bank Card, SMS passwords, Control word for telephone conversations and password(s) for access to the Payment Systems to third parties;

6.3.9. Blocking of the Bank card due to three consecutive incorrect entries of the PIN code;

6.3.10. Suspension of operations and freezing of funds used in the operation, in accordance with the legislation of the Republic of Uzbekistan on combating the legalization of proceeds from criminal activity, the financing of terrorism and the financing of weapons of mass destruction in commercial banks or suspension of operations and freezing of funds, as a result of the Client's failure to comply with financial sanctions and prohibitions;

6.3.11. Untimely provision or failure by the Client to provide documents and information required by the Bank to carry out banking operations and proper verification of the Client, or inaccuracies and errors made in the documents provided;

6.3.12. Inability of the Bank to fulfill its obligations for reasons beyond the Bank's control and in the event of force majeure circumstances;

6.3.13. Refusal to open a Card Account and issue a Bank Card, as well as to carry out a transaction on a Bank Account in cases stipulated by legislation on combating the legalization of proceeds from criminal activity, the financing of terrorism, and the financing of weapons of mass destruction in commercial banks;

6.3.14. Untimely or incorrect actions of the Client in using the tools of third-party payment organizations;

6.3.15. Discrepancy between the contents of the paper Register/Statement and the data in the Bank’s ABS, if the data in the ABS is not identical to the passport and other data about the Client;

6.3.16. Suspension of operations on the Organization’s Transit Account in accordance with the legislation of the Republic of Uzbekistan;

6.3.17. For disputes and disagreements that arise between the Organization and the Employee (including those who have terminated the employment relationship).

6.3.18. The Bank is not responsible in case of unlawful actions of the Client.

6.3.19. Mutual claims regarding settlements between the Client and third parties are considered without the participation of the Bank.

6.3.20. In addition to the rights and obligations provided for by this Agreement, the Parties have the rights and bear the obligations provided for by the current legislation of the Republic of Uzbekistan.

6.3.21. The Parties shall be released from liability for failure to fulfill obligations if the failure to fulfill is a consequence of Force Majeure circumstances.

7. VALIDITY PERIOD OF THE AGREEMENT. PROCEDURE FOR TERMINATION OF THE CONTRACT

7.1. This Agreement shall enter into force from the moment the Client joins the Offer in accordance with paragraph 2.2 of this Agreement and shall be deemed concluded for an indefinite period.

7.2. This Agreement may be terminated at the Client’s request at any time after the Client has made all payments related to the provision of banking services to the Client, as well as after the Bank has received all transactions on the bank card.

7.3. This Agreement may be terminated by the Bank unilaterally, in accordance with the requirements of the legislation on combating the legalization of proceeds from criminal activity, the financing of terrorism and the financing of weapons of mass destruction in commercial banks.

7.4. At the request of the Bank, this Agreement may be terminated by the court in cases stipulated by the legislation of the Republic of Uzbekistan.

7.5. Termination of the Agreement is the basis for closing the Card Account.

8. ANTI-CORRUPTION CONDITIONS

8.1. In fulfilling their obligations under this Agreement, the Parties, their affiliates, employees or intermediaries:

- do not pay, offer to pay or authorize the payment of any money or valuables, directly or indirectly, to any persons, with the purpose of influencing the actions or decisions of these persons in order to obtain any undue advantages or other undue goals and/or benefits;

- do not carry out actions classified by law as giving/receiving a bribe, commercial bribery, as well as actions that violate the requirements of applicable legislation and international acts on combating the legalization of proceeds from crime and the financing of terrorism.

8.2. Each party to this Agreement refrains from stimulating the other party (employees of the Bank) in any way, including by providing sums of money, gifts, gratuitous performance of work (services) for them, and other methods that place the Bank employee in a certain dependence and are aimed at ensuring that this Bank employee performs any actions in favor of the party stimulating him.

8.3. In the event that a Party suspects that corruption or fraudulent acts have occurred or may occur, the relevant Party undertakes to notify the other Party in writing.

8.4. The notified party has the right to suspend the fulfillment of its obligations under this Agreement until the fact of corruption is confirmed.

8.5. The parties shall be liable for compensation for damage caused as a result of giving/receiving a bribe or for providing knowingly false information about giving/receiving a bribe.

8.6. The relevant party undertakes to inform the Bank of its connection and affiliation with the Bank in order to prevent a conflict of interest.

9. OTHER CONDITIONS

9.1. The Bank has the right to unilaterally amend the terms of this Offer by posting a new version of this Offer and the Bank's Tariffs on the website. The amendments made become binding on the Bank and the Client from the moment they are posted on the Bank's corporate website.

9.2. In order to perform the actions provided for in this Offer, and in accordance with the provisions of the Law of the Republic of Uzbekistan "On Personal Data", the Client grants the Bank the right to store and process, including automated, any information related to the personal data of the Client, including the collection, systematization, storage, modification, addition, use, provision, distribution, transfer, depersonalization and destruction of the personal data of the Client, and also gives its consent to the transfer of Personal Data to third parties for the purpose of performing the actions provided for in this Offer.

9.3. In the event of any disagreement regarding the terms and execution of the terms of this agreement, the dispute shall be resolved by mutual agreement of the parties. Disputes and disagreements on which the parties fail to reach an agreement shall be resolved in a competent court at the location of the Bank or its branch.

9.4. The Bank may send a notification to the Client in the following cases:

if the bank suspends operations on the Client's bank cards (except in cases where the card is blocked as a result of an incorrect PIN code entry), the bank, no later than the next business day from the date of suspension of operations, sends the Client a notification of the reason for the suspension of operations on the Client's accounts;

9.4.1 The notification is provided to the Client via SMS/phone call, or by post or electronic communication, or through other communication channels. The Bank chooses the method of sending the notification independently.