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

Approved by Mr R. Zilber Head of Retail Private Individuals and Small Enterprises Directorate, Board Member of AO Raiffeisenbank On 21 st June 2018 Effective as of 05 th July 2018 GENERAL TERMS and CONDITIONS of SERVICING BANK ACCOUNTS, DEPOSITS and CONSUMER LOANS of CITIZENRY AO RAIFFEISENBANK CONTENTS 1. Definitions 2 2. General Provisions 13 3. General Terms of Servicing Bank Accounts 21 4. Placement and Repayment of Fixed-Term Deposits 28 5. Procedure and Terms of execution of Account Transactions 29 6. Servicing Card Accounts 33 7. Procedure of Extension and Repayment of Loans under Credit-Card Transactions 43 8. Procedure of Extension and Repayment of Consumer Loans 48 9. Procedure for settlement of loans for the procurement of a Vehicle 53 10. System Terms of Service 57 11. Provision of the SMS-Bank 61 12. Provision of Services by the Bank s Call Centre 63 13. Provision of Services to Clients through Raiffeisen Teleinfo System 67 14. Service Packages 67 15. Particularities of providing services to Payroll and Individual Payroll Clients 69

AO RAIFFEISENBANK 1. Definitions In these General Terms and Conditions of Servicing Bank Accounts, Deposits and Consumer Loans of Citizenry by AO Raiffeisenbank (hereinafter the General Terms ) the terms listed shall have the following meaning. 1.1. Authorisation - as used in Clause 6 Servicing Bank Card Accounts, Clause 7 Procedure of Extension and Repayment of Loans under Credit-Card Transactions and Clause 11 Provision of Service «SMS-Bank» SMS-Bank means a permission by the Bank to carry out a Transaction with the Card resulting in the Bank's obligation to honour the payment documents produced through the use of the Card or its number that is not to be cancelled. In certain cases set by Payment Systems Card Transactions may be carried out without Authorisation (hereinafter the Non-authorization transactions ), this does not cancel the Bank's obligation to honour the payment documents produced through the use of the Card or its number, and such transactions cannot be cancelled. - as used in Clause 10 System Terms of Service means the procedure for certifying the Client s rights and confirming the Client s orders to the Bank, which gives rise to the Bank s obligations to carry out transactions. 1.2. Delivery address the address provided by the Client to the Bank for postal or courier delivery of Cards (including Supplementary Cards issued in the name of the Card Holder/ documents (depending on the Client s preference it can be defined as a registration address, home address, work address for Card delivery purposes or as a registration address, home address, work address, postal correspondence delivery address for documents delivery purposes). 1.3. Letter of Credit is a covered irrevocable letter of credit in Russian roubles opened by the Bank on the basis of the Letter of Credit Opening Application and used by the Client for making payments by a letter of credit when purchasing real estate, both at the expense of the Client's own funds and at the expense of credit funds provided by the Bank, and also for making payments at the expense of the Client's own funds of commission for rendering services for the acquisition by the Client of the said real estate. 1.4. Card Activation means shift of a payment card issued (re-issued) by the Bank into condition making it an electronic instrument of payment and enabling to use it for Card Transactions. Card Activation is effected by the Bank in the following ways: by Bank systems automatically at the creation of a PIC to the Card by the Client in one of the following ways: on the Bank's website on the Internet (www.raiffeisen.ru), in the Raiffeisen Teleinfo System, in the Raiffeisen-Online System, in the Raiffeisenbank Mobile Application 1 within Raiffeisen Teleinfo System, or by PIN-pad in a Bank Subdivision, and for Bank Cards at the performance of the first Card Transaction using the Bank Card by the Client and the PIN code received in the sealed PIN envelope, by a Bank s employee pursuant to the Borrower s respective request to the Call Centre of the Bank (applicable to Credit Cards); when the Client/Borrower performs the first Credit Card Operation without the PIN-code assigned to the Credit Card (such a method is only applicable to Credit Cards handed over to the Client/Borrower at the date of the Client s/borrower s filing of the Questionnaire or when applying to the Bank Subdivision for the purpose of Card reissuance). The Bank reserves the right to provide any of the above means of the Card Activation subject to technical abilities of its granting. 1.5. Client's Questionnaire - A form containing the list of questions, answers to which are provided by the Client in the instances required by the Bank: For the purpose of Clause 7 Procedure of Extension and Repayment of Loans under Credit-Card Transactions - Bank-approved uniform questionnaire filed by a Client for Credit Card issue being an application for consumer loan filed by a Client applying for a loan (applicable to Loan Agreements concluded after 01.07.2014). For the purpose of Clause 8 Procedure of Extension and Repayment of Consumer Loans : - Bank-approved uniform document filed by a Client applying for a loan (applicable to Loan Agreements concluded before 01.07.2014); - Bank-approved uniform questionnaire filed by a Client for consumer loan being an application for consumer loan filed by a Client applying for a loan (applicable to Loan Agreements concluded after 01.07.2014); For the purpose of Clause 9 Procedure for settlement of loans for the procurement of a Vehicle - Bank-approved uniform document filed by a Client applying for a loan and containing Client s offer to open an Account (Accounts) (applicable to Loan Agreements concluded before 01.07.2014); - Bank-approved uniform application-questionnaire filed by a Client for a loan for the purchase of a vehicle being an application for consumer loan filed by a Client applying for a loan and containing Client s offer to open an Account (Accounts) (applicable to Loan Agreements concluded after 01.07.2014). 1.6. Authentication Data means Client s password (including picture password), Card Holder s fingerprint, digital code, and other data that can be used by Card Holders to access (to unblock) the Mobile Device/ Wearable Device and/or perform Contactless Transactions. Authentication Data is an analogue of the handwritten signature of the Card Holder. 1.7. Bank means Joint Stock Company Raiffeisenbank, and, insofar as relevant, any other person to whom the Bank has conceded its rights under the Agreement (including, under the Loan Agreement, the Surety Agreement, the Pledge Agreement). 1.8. Bank Card means a payment card with a chip (microprocessor) embedded in it issued by the Bank under the Agreement and used for the preparation of Orders and other documents due to be paid at the Client s expense. 1.9. Contactless Bank Card / Contactless Credit Card / Contactless Card means Chip Bank Card / Chip Credit Card / Chip Card of Mastercard International Payment System used for contactless payment for goods /services 2. 1.10. Contactless Transactions means Card Transactions, performed using a Contactless Card/Digital Card and the contactless payment reading device, and in the case of a Digital Card in Digital Payment Service Samsung Pay - a payment reading device with a magnetic strip or Card Transactions performed using Digital Cards in mobile applications and websites that support payment through Digital Payment Service and installed on the Mobile Device/ Wearable Device. 1.11. Beneficiary Owner means an individual able to control the actions of the Client. The Client shall be deemed to be a Client s Beneficiary Owner, except in cases when there are reasons to believe that the Beneficiary Owner is another person able to control the actions of the Client. 1.12. Blocking of the Card means suspension or termination to use the Card for carrying out transactions (including suspension or 1 The service is provided as far as the technical implementation. 2 Logo «MasterCard PayPass»/ «Visa paywave» on the Card indicates non-contact payment for goods and services.

termination, leading to Card capturing when an attempt is made to use the same), which can be effected by the Bank on the basis of a notice received from the Client, including Client s notices mentioned in the General Terms, or at the initiative of the Bank in case of violation by the Client of the procedure for use of the Card. For non-activated payment cards, Blocking of the Card means transferring the payment card to the state when Card Activation is impossible. 1.13. Blocking of the System means suspension or termination of use of the System, which can be effected by the Bank on the basis of a notice received from the Client/ the Authorised Representative/ the Child, including Client s notices mentioned in General Terms, or at the initiative of the Bank in case of violation by the Client/ the Authorised Representative/ the Child of the procedure for use of the System. 1.14. Budget Payment is any payment out of public funds of budgetary system of Russian Federation, indicated in cl. 5.5 and cl. 5,6 of art. 30.5 of Federal Law No. 161-FZ dated June 27, 2011 On the National Payment System, in the transfer request of which in the required information 110 payment code the indication 1 is specified. The Budget Payment can be credited to an Account opened since July 1, 2017 only if it is a) an Account to which the MIR card is issued and the cards of Mastercard International/ Visa International payment system are not issued to it or b) Budget account or c) an Account without possibility of Cards issue to it or d) an account to which no Card is issued. 1.15. Budget account is an Account (current account) with a special pattern to which only MIR card can be issued. The Client is entitled to use this current account for settlements with MIR card (if MIR card is issued to it) or as current account without Card (if MIR card is not issued to it). 1.16. Settlement Currency means a currency of settlements between the Bank and the Payment System. Information on the Settlement Currency is available from the Call Centre of the Bank. 1.17. Virtual Image of the Card means an electronic image of a Digital Card installed on the Mobile Device/ Wearable Device. 1.18. Beneficiary means a person not involved in the operation, but for the benefit of whom the Client acts, including under an agency agreement, commission agreement, or trust agreement in bank and other transactions. 1.19. Statement of Credit Card means a statement of Account to which the Credit Card was issued, the statement to be prepared by the Bank free of charge for every Reporting period and to include the amount and the terms of Minimum Repayment Amount, information on Transactions on Account / Transactions on the Credit Card (if applicable), is issued, interest calculation procedure, available balance of loan funds (as of the statement date) and other information related to the Credit Card. Statement of Credit Card includes information on Transactions on Account / Transactions on the Credit Card in the production of a statement on paper. When sending Statement of Credit Card electronically to the Client's e-mail address, information on Transactions on Account / Transactions on the Credit Card is not included in the statement and is available to the Client by reference to the System indicated on the statement. 1.20. Statement of Account means a document stating Account Transactions, including the transactions carried out with the use of both the Main Card and Supplementary Cards. 1.21. Repayment Schedule a schedule specifying the amounts and Dates for Monthly payments. The Repayment Schedule is for information only and is provided to the Borrower and to the Guarantor (wherever applicable) when filing a Loan Application to the Bank/Individual Terms. 1.22. Monthly Payment Date: The last day of each Interest Period for all Monthly Payments, except the first Monthly Payment; Calendar Date specified in the Loan Application/Individual Terms for the first Monthly Payment (the date of the first Monthly Payment). 1.23. Credit Card Statement Date is the last day of Reporting Period. The Bank informs the Client about the first Credit Card Statement Date in form of SMS sent to the Contact mobile telephone number of the Borrower. If the Credit Card Statement Date falls on a non-business day, then the Credit Card Statement Date is considered to be the next following Business Day. An exception applies when the non-business day is fixed for the Credit Card settlements with the Payment System. The Bank informs the Borrower on Credit Card Statement Date via email and/ or through the System. 1.24. Loan Extension Date means the date following the Bank s receipt of the Payment Document, presented in respect of the Borrower s Account, or electronic data generated by the Payment System or the Bank Terminals. means the date of crediting the Loan to the Account. 1.25. Deposit (savings account) fixed term savings account in the Russian and/or foreign currency opened by the Client/ his/her Authorised Representative in the Bank on conditions stipulated by the Deposit Agreement. 1.26. Deposit Agreement - an agreement for the deposit concluded between the Client and the Bank and containing conditions of opening and withdrawal of the Deposit. 1.27. Deposit Account - an account for the Deposit. 1.28. Card Holder the Client, in whose name Main Card/Supplementary Card is issued, the Authorised Representative in whose name the Supplementary Card is issued, the Child in whose name the Bank issued a Supplementary Card. 1.29. Children's Application - an electronic application "Start", which allows the Child to keep records of his incomes, expenses, set goals and calculate the terms of his achievement. If a Supplementary Bank Card is issued in the name of the Child, the information on the Available Balance and Transactions on the Supplementary Bank Card issued in the name of the Child may also be reflected in the Children's Application. To install the Children's Application on mobile device, the Child himself performs the actions necessary to copy the specified application from the Internet sites itunes.apple.com or play.google.com. 1.30. Power of Attorney (POA) a written authorization issued by the Client to the Authorised Representative for the representation of the Bank (or any third party) and the performance of any actions for and on behalf of the Client. The Power of Attorney must be certified by a notary or an official of the consular institution of the Russian Federation, or by another authorized person entitled to do so in accordance with applicable law, or executed by the Client in the Bank with an authorized officer of the Bank certifying that the Bank has ascertained the identity of the Client issuing the Power of Attorney. 1.31. Authorised Representative means a fully capable adult person who is authorised to act for and on behalf of the Client pursuant to a Power of Attorney formally issued by the Client or on the basis of an agreement concluded between the Client and the Bank on authorization provided for in cl. 2.7-2.10. 1.32. Agreement means an agreement or agreements for rendering of a relevant banking service (-s) provided for under clause 2.1 of the AO Raiffeisenbank 3

General Terms. 1.33. Bank account agreement means an agreement under which a current account is opened for the Client with the Bank. 1.34. Pledge Agreement an Agreement pursuant to which Pledger pledges to the Bank the Collateral of the Borrower s obligations fulfilment under the Loan Agreement, and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized. 1.35. Surety Agreement an Agreement pursuant to which Guarantor undertakes responsibility to the Bank for the Borrower s fulfilment of its obligations under the Loan Agreement and the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized. 1.36. Supplementary Card (Supplementary Bank Card, Supplementary Credit Card) means the second and further Cards issued to one Account. Supplementary Card can be issued in the name of the Client, his Authorized representative and the Child. The Bank has the right to set limits on the type and category of Supplementary Cards that can be issued to the Main Card of a certain type (if applicable) and category. The expiry date of a Supplementary Card may not extend beyond the expiry date of the Main Card. The issue of a Supplementary Card in the name of the Authorised Representative is possible in case the Bank has a Power of Attorney to conduct transactions on the Account, which a Supplementary Card is issued, the validity of which is not less than the validity period of the issued Supplementary Card. Using Supplementary Bank Card issued in his name, the Child can use the money given to him by the Client, who is his legal representative, for free disposal. The amount of funds provided to the Child by the Client for free disposal, is recognized equal to the limit (limits) set on an Supplementary Bank Card, which the Client may at any time change in accordance with clause 6.3.7, 6.3.8 of the General Terms. The Child with the help of the Supplementary Credit Card issued to him may dispose of the funds provided to him by the Client (who is his legal representative) for free disposal, including at the expense of the Loan provided by the Bank. The amount of funds provided to the Child by the Client for free disposal is recognized as equal to the limit (limits) established under the Supplementary Credit Card. 1.37. Available Balance means a balance of funds available to the Client. For the bank products listed below, the Available Balance shall be calculated as follows: Current (Non-Card) Account Available Balance means the amount of funds available from time to time to carry out Account Transactions (including honouring the Orders) as determined with regard to the Bank s terms and conditions of servicing the Account less the amount of transactions blocked on the Account and the fees charged by the Bank to pay for the same. Bankcard Available Balance means the amount of funds available from time to time to carry out Bankcard Transactions as determined in accordance with the Bank s terms and conditions of servicing the Card Account less the amount of Bankcard Transactions carried out earlier and blocked on the Account, and other amounts of funds, blocked on the Account, including the funds transferred for the repayment of outstanding amounts under the loan agreements concluded with the Bank. Where the Bankcard Available Balance exceeds the limit of expenses set by the Payment System on the Bank Card of a certain type, the Bankcard Available Balance shall be equivalent to the limit of expenses set by the Payment System on the Bank Card of the relevant type. The Bankcard Available Balance for purposes of cash withdrawal cannot exceed the set Cash Withdrawal Limit. Credit-Card Available Balance means the total of the Credit Limit and the positive balance of the Account as determined with regard to the terms and conditions of servicing the Account, set forth by the Agreement, less the amount of Credit-Card Transactions carried out earlier and blocked on the Account. Card Available Balance means the Bankcard Available Balance and the Credit-Card Available Balance when used jointly. Available Balance for Standing Orders consummated to the Account means the available balance of the Account to which a Standing Order is consummated, available at the moment of actual execution of the Standing Order, complying with the contractual terms of the Account servicing, less the sums of transactions blocked at the Account and the Bank s fees for these payments, and in case a Bank Card is issued to this account, as the lower of the sum of Available Balance for Standing Orders consummated to the Account and the Available Balance of Bank Card. Available Balance for Regular Transfers Consummated to the Deposit Account means the balance of a fixed-term deposit account less the minimum sum of the deposit unless otherwise provided in the Tariffs of the corresponding fixed-term deposit account. Available Balance for Regular Transfers means the Available Balance of Account that may be used for effecting the Regular Transfers consummated to the Account and the Available Balance for the purpose of the Regular Transfers consummated to the Deposit Account, when used jointly. 1.38. Monthly Payment an amount subject to periodically payment by the Borrower comprising the Loan principal and/or interest on it. Amount of Monthly Payments and frequency of their payment are determined according to the procedure set in Clause 8 Procedure of Extension and Repayment of Consumer Loans hereof / Clause 9 Procedure for the provision and settlement of loans for the procurement of a Vehicle hereof / Loan Application. 1.39. Indebtedness as of the Credit Card Statement Date (Grace Period Indebtedness) means an indebtedness arising before the end of the of the Transaction Day of the Credit Card Statement Date of the current calendar month and set in the Statement of Credit Card. The following is included therein: outstanding principal debt arising before the Reporting Period (except for the amount of overdue principal debt), overdue principal debt, overdue interest, outstanding principal debt arising within the Reporting Period, total interest accrued for the Reporting Period, Credit Limit overlimit; Indebtedness of payment of state duty. 1.40. Borrower an individual signing a Loan Agreement with the Bank and receiving the Loan thereunder. For Loan Agreements concluded before 01.07.2013 the term Client has the same meaning as the term Borrower. 1.41. Excessive Debt Loans means the situation where the risk of default of the Borrower s / the Client s obligations under loan agreements and of penal sanctions applied to the Borrower / the Client by the creditors if within one year the total amount of payments under all available credits (loans) exceeds fifty per cent of the Borrower s / the Client s annual receipts. 1.42. Pledger - an individual signing a Pledge Agreement with the Bank and pledging Collateral to the Bank to ensure the Borrower s AO Raiffeisenbank 4

fulfilment of its obligations under the Loan Agreement, and surety of the fulfilment of the requirement to repay to the Bank any funds received from the Bank if the Loan Agreement is deemed void, and to return any unreasonable gains if the Loan Agreement is deemed not formalized. 1.43. Payroll Client is a Client who is employed by a company that concluded an Agreement with the Bank. 1.44. Letter of Credit Opening Application is a Client's application for the issuance of the Letter of Credit executed in accordance with the Bank's form and containing all the terms and conditions of the payment under the Letter of Credit for the real estate purchased by the Client, as well as payment for services rendered to the Client for the acquisition by the Client of the said immovable property. 1.45. Credit Card Application (applicable to Loan Agreements concluded before 01.07.2014) means an application for the Credit Card issue, which is filed by the Client with the Bank substantially in the form, adopted by the Bank, and contains the Client s offer to enter into a credit card issue and service agreement. The acceptance of such offer by the Bank shall be the opening of the Account by the Bank. 1.46. Loan Application (applicable to Loan Agreements concluded before 01.07.2014) as used in Clause 8 Procedure of Extension and Repayment of Consumer Loans means a loan application which is filed by the Client with the Bank substantially in the form, adopted by the Bank, and contains the Client s offer to enter into a Loan Agreement. The acceptance of such offer by the Bank shall be the extension of the Loan to the Client by the Bank. for the purpose of Clause 9 Procedure for the provision and settlement of loans for the procurement of a Vehicle - Loan Application to AO Raiffeisenbank for the procurement of a Vehicle, submitted by the Borrower, Pledger, Guarantor to the Bank. A Loan Application is an Offer for a Loan Agreement, a Pledge Agreement and a Surety Agreement and constitutes their integral part. The Offer is accepted as the Bank provides a Loan to the Borrower. Here, if the Bank opens and maintains a current Account(s) and/or issues and maintains a Card based on the Questionnaire, as specified in the Loan Application, the clause providing for the terms of the agreement pursuant to which a current Account(s) is (are) opened and maintained and/or a Card is issued and maintained, constitutes a part of the respective Agreement. 1.47. System Registration Request is a request drafted and submitted to the Bank subject to the rules of Section 10 of the General Terms in order to receive information access to the System. Information access to the System provides insight into the Accounts, Cards, Deposits, Credits, and other products, and enables activities that do not require One-time Password under Clause 1.157 of the General Terms, but does not provide an ability to perform any active transactions in the System. 1.48. One-time Password Request means a request drafted and submitted to the Bank subject to the rules of Section 10 of the General Terms and Conditions in order to receive access to active transactions in the System (Credit Card Transactions/Supplementary Card Transactions, Account Transactions, transactions with Deposits (Deposit opening, Deposit closing, Deposit prolongation, partial Deposit withdrawal), Loan prepayment, any other transactions provided for by the General Terms and Conditions or Agreements). 1.49. Statement of Obligation Borrower s written statement in the Bank-approved format requesting complete or partial early repayment of the Loan. 1.50. Offer Application means an application for a Pledge Agreement and a Surety Agreement (if applicable) submitted by the Pledger and the Guarantor (if applicable) to the Bank. The Offer Application constitutes the integral part of the Pledge Agreement and the Surety Agreement consisting of the Offer Application and the General Terms. 1.51. Individual Terms mean individual terms of a Loan Agreement agreed between the Borrower and the Bank individually and including the terms expressed by the law and other terms agreed between the parties (applicable to Loan Agreements concluded after 01.07.2014). 1.52. Individual Payroll Client a Client of the Bank who is the holder of any Bank Card and receives monthly cash transfers to his/her Account with the purpose of payment indicating the Client receives salary in the amount specified in the Tariffs for payroll clients, from the account (s) of individuals and / or entities open (s) in the third-party credit institutions, and / or from the account (s), legal entities, public (s) with the Bank. 1.53. Identifier IMSI International Mobile Subscriber Identity, an international mobile subscriber identifier (international identification number of the called party) associated with each user of the mobile communication standard GSM, UMTS, or CDMA. Information about the IMSI is fixed by the Bank automatically based on the information provided by the mobile operator at the mobile phone number provided for receipt of One-time Password in the form of SMS-messages or changing at the Mobile phone number for One-Time Passwords. If necessary (for example, when replacing the SIM-card by a mobile operator), information about the number of the IMSI can be changed at the request of the Card Holder, submitted to the Bank as a written application to the Bank Subdivision or by the Bank s Call Centre. 1.54. Design ID is a unique identification number assigned by the Bank to the Client s application for an individual Credit Card design after the process of creating such application by the Client on the Bank s official website (www.raiffeisen.ru). 1.55. Call Centre of the Bank means a subdivision of the Bank, which provides services to the Client upon his/her phone call to the Bank in accordance with Clause 12 of these General Terms. 1.56. Card means a Bank Card and a Credit Card, if mentioned together. 1.57. Individual Design Card is the Main Card or Additional Card with the face design created by the Client by way of selecting an image from the image gallery (library) at the Bank s official website (www.raiffeisen.ru) or uploading its own image. The categories of Individual Design Cards are determined by the current Tariffs on the Cards. 1.58. MIR Card is the Bank Card of the Payment System Mir, which is a national payment instrument according to Federal Law On the National Payment System No. 161-FZ dated June 27, 2011. 1.59. Card reader means a special device for generation of One-time password using the active Card issued in the name of the Card Holder. 1.60. Borrower Category means a reference assigned by the Bank to the Borrower. The Borrower Category classification includes 12 categories: Borrower Category 1 includes the Borrowers who presented the documents confirming their income. The list of documents is available in the Bank Subdivisions and on the Bank Internet site (www.raiffeisen.ru); Borrower Category 2 includes the Borrowers who presented no documents confirming their income; Borrower Category 3 includes the Borrowers being employees of the partner companies of the Bank approved for easy-term loans. The information on employers included into the list of partner companies of the Bank approved for easy-term loans may be received on: 8-800-700-90-01; Borrower Category 4 includes the Borrowers: Payroll Clients, or being Individual Payroll Clients; AO Raiffeisenbank 5

Borrower Category 5 includes the Borrowers: having a special individual offer with previously approved Credit Limit, or received a special individual offer with a pre-approved Credit Limit and at the same time relating to Borrowers Category 4; Borrower Category 6 includes the Borrowers to whom a Credit Card was issued under positive decision of the Bank on consumer loan; Borrower Category 7 includes the Borrowers to whom a Credit Card was issued under positive decision of the Bank on loan for the procurement of a Vehicle; Borrower Category 8 includes the Borrowers who concluded an agreement with the Bank on services under the Service Package provided by the Tariffs on the Credit Cards / who effected the connection of the above Service Packages in accordance with Clause 15 hereof; Borrower Category 9 includes the Borrowers being Bank Employees; Borrower Category 10 includes the Borrowers being employees of one of the following entities: OOO Siemens, OOO Siemens Transformatory, OOO Siemens Industry Softver, OOO "Siemens Electroprivod", OOO "Siemens Zdravoohranenie"; Borrower Category 11 includes the Borrowers being employees of the companies where the service terms are agreed between the Bank and the company individually; Borrower Category 12 includes the Borrowers whose service terms are agreed bу the Bank individually. 1.61. Quasi-cash Transaction Credit-card Transaction operations with highly liquid assets that can be directly converted into cash. These operations, in particular, include: the completion of the online wallet (e-wallet), payment of traveler's checks, updating of accounts in other banks, purchase of casino chips, lottery tickets and other operations. The Bank determines Quasi-Cash Transactions using the following MCC (Merchant Category Code) codes set by a third-party bank when conducting acquiring: 4829 Money transfers, 6012 Financial institutions - trade and services, 6050 Financial institutions - quasi-cash, 6051 Non-financial institutions - quasi-cash, 6211 Securities - Brokers / Dealers, 6538 Money transfers MasterCard MoneySend Funding, 7801,7802,7995 Gambling, 5933 pawnshops. 1.62. Client means an individual serviced by the Bank or being received for services in the Bank, applying to the Bank for carrying out payment, deposit, loan, foreign exchange and other bank transactions in compliance with the laws of the Russian Federation. 1.63. Activation code 3 means a unique sequence of digits, which may be sent by the Bank to the Card Holder as SMS message Contact mobile telephone number when the Card Holder purchases goods or services via the Internet (using Verified by Visa or MasterCard SecureCode) and used for Authorization of the purchase as well for applying with System Registration Request in the Internet (www.raiffeisen.ru). The Bank holds no responsibility for Activation code usage by third persons that become possible as a result of handover by the Card Holder to any third persons of mobile phone where the Contact mobile telephone number is used. 1.64. Code Word Code Word of the Client and/or Code Word of the Authorized Representative and/or the Code Word of the Child. 1.65. Code Word of the Client - any word, number or a combination thereof created by the Client when opening Account or at a subsequent Client s written request to the Bank, used to validate the identity of the Client when addressing the Bank s Information Centre in accordance with Section 12 of these General Terms, and the Bank contacting the Client by telephone whenever it is required to convey information on the Card or Account to the Client (in this case the Client has the right to refuse to report the Code Word and can call back to the Bank or contact the Bank Subdivision in person); validate the Client s instructions and in other cases established by these General terms and Conditions. The Client can change the Code Word by contacting the Bank Subdivision with the appropriate request. 1.66. Code Word of the Authorized Representative - any word, number or a combination thereof, specified by the Client or its Authorized Representative when registering the Power of Attorney in the Banks' systems, when changing the personal data of the Authorized Representative, when issuing Supplementary Cards in the name of the Authorized Representative, and is used to validate the identity of the Authorized Representative contacting the Bank s Information Centre with inquiries on Supplementary Cards, as well as the Bank contacting the Authorized Representative by telephone whenever it is required to convey information on the Supplementary Card to the Authorized Representative (in this case the Authorized Representative has the right to refuse to report the Code Word and can call back to the Bank or contact the Bank Subdivision in person). The Authorized Representative can change the Code Word by contacting the Bank Subdivision with the appropriate request. 1.67. Code Word of the Child - any word, number or a combination thereof, specified by the Client with the issue of a Supplementary Cards in the name of the Child, and is used to validate the identity of the Child contacting the Bank s Information Centre with inquiries on Supplementary Cards, as well as the Bank contacting the Child by telephone whenever it is required to convey information on the Supplementary Card to the Child (in this case the Child has the right to refuse to report the Code Word and can call back to the Bank or call back to the Bank). The Client can change the Code Word by contacting the Bank Subdivision with the appropriate request. 1.68. Contact Mobile Device - a Mobile device that the Client registered in the Raiffeisenbank Mobile Application and installed for the purposes of receiving Push Notifications within the Service «SMS-Bank». 1.69. Contact number Contact mobile telephone number of the Client and/or Contact mobile telephone number of the Authorized Representative and/or the Contact mobile phone number of the Child. 1.70. Contact mobile telephone number of the Client means a number of mobile telephone, which the Client communicates to the Bank when applying to the Bank for opening the first and subsequent Accounts, notification of the Bank regarding the change of the Client s personal information, connection of SMS services Raiffeisen MOBILE/ SMS Bank, and which is used for communication between the Bank and the Client in the events provided for under the Agreement, the General Terms, Tariffs, Card Rules, laws of the Russian Federation and sending by the Bank of information SMS-messages and Activation Code. In case the Client gave no Contact mobile telephone number the Bank is entitled to use any other mobile telephone number given to the Bank by the Client for service purpose as the Contact mobile telephone number. The Client is entitled to change the Contact mobile telephone number by presenting an appropriate application: to the Bank Subdivision; through the Bank s ATM and any Card issued in the name of the Client. With this method of filing the above mentioned application: 1) The Client enters the PIN and follows the instructions on the ATM screen, including format of the mobile phone number. In the case of specifying a mobile phone in a format different from that indicated on the ATM screen, the Bank has the right not to execute such an application of the Client; 2) The Mobile phone number for One-Time Passwords is changed. 3 Not applicable for the Cards of the Payment System Mir. AO Raiffeisenbank 6

through the Raiffeisen-Online 4. The Client is entitled to set a telephone number registered with the Bank for provision of Service «SMS-Bank» SMS-Bank or the Mobile phone number for One-Time Passwords by the Client as the Contact mobile telephone number. In this case, the mobile phone number for the SMS-Bank service remains unchanged. 1.71. Authorized Representative Contact Mobile Telephone Number is the mobile telephone number communicated by the Authorized Representative to the Bank when applying to the Bank for a Supplementary Card and used for communications between the Bank and the Authorized Representative as provided for by the Agreement, General Terms, Tariffs, Card Rules, Russian law, and for the Bank to send information SMS-messages and Activation Code. Where an Authorized Representative fails to provide the Bank with its Authorized Representative Contact Mobile Telephone Number, the Bank may instead use any other mobile telephone number submitted by the Client/Authorized Representative to the Bank for banking services. Authorized Representative may change its Authorized Representative Contact Mobile Telephone Number by submitting a relevant request: to a Bank's Subdivision; through an ATM using any Supplementary Card issued in the name of the Authorized Representative. Should such request be submitted as described above: 1) the Authorized Representative enters the PIN-code and follows the instructions on the ATM screen, including the requirements to the format of the mobile telephone number. Where the format of the entered mobile telephone number differs form that on the screen, the Bank may refuse to comply with the request; 2) the Mobile Telephone Number of the Authorized Representative for One-time Passwords changes. The Authorized Representative may set the number registered with the Bank for the provision of the SMS-Bank Service under the Supplementary Card issued in the name of the Authorized Representative, or the Mobile Telephone Number for One-time Passwords as the Authorized Representative Contact Mobile Telephone Number. In this case, the mobile telephone number for the SMS-Bank service remains unchanged. with Raiffeisen-Online System 5. 1.72. Child Contact Mobile Telephone Number is the mobile telephone number communicated by the Client to the Bank when applying to the Bank for a Supplementary Card in the name of the Child and used for communications between the Bank and the Child as provided for by the Agreement, General Terms, Tariffs, Card Rules, Russian law, and for the Bank to send information SMS-messages and Activation Code. Where the Client fails to provide the Bank with Child Contact Mobile Telephone Number, the Bank may instead use any other mobile telephone number submitted by the Client to the Bank for banking services. The Client may change Child Contact Mobile Telephone Number by submitting a relevant request: to a Bank's Subdivision; through an ATM using any Supplementary Card issued in the name of the Child. Should such request be submitted as described above: 1) the Client enters the PIN-code and follows the instructions on the ATM screen, including the requirements to the format of the mobile telephone number. Where the format of the entered mobile telephone number differs form that on the screen, the Bank may refuse to comply with the request; 2) the Mobile Telephone Number of the Child for One-time Passwords changes. The Client may set the number registered with the Bank for the provision of the SMS-Bank Service under the Supplementary Bank Card issued in the name of the Child, or the Mobile Telephone Number for One-time Passwords as Child Contact Mobile Telephone Number. In this case, the mobile telephone number for the SMS-Bank service remains unchanged. with Raiffeisen-Online System 6. 1.73. Loan means funds extended by the Bank to the Client on the basis of the Loan Agreement including with the use of electronic instruments of payment, for consumer purposes not related to entrepreneurship. 1.74. Loan Agreement (as used in Clause 7 Procedure of Extension and Repayment of Loans under Credit-Card Transactions ) means a consumer loan agreement pursuant to which the Bank undertakes to open an Account to the Borrower, to issue and to maintain a Credit Card to that Account and the Borrower undertakes to use the Credit Card in accordance with the General Terms and Card Rules and to repay the Loan when due. The Loan Agreement consists of an Application for Credit Card issue, General Terms, Card Rules, Tariffs and is executed upon the Borrower s signing the Application for Credit Card issue and the Bank acceptance the Application by opening an Account to the Borrower (applicable to Loan Agreements concluded before 01.07.2014). The Loan Agreement is concluded by signature of the Individual Terms by the Borrower and the Bank. The General Terms of the Loan Agreement are specified in the General Terms, Card Rules, Tariffs. The Individual Terms of the Loan Agreement are specified in the Individual Terms (applicable to Loan Agreements concluded after 01.07.2014). (as used in Clause 8 Procedure of Extension and Repayment of Consumer Loans ) means a consumer loan agreement pursuant to which the Bank undertakes to extend a Consumer Loan to the Borrower and open an Account to him/her (if required), whereas the Client undertakes to repay the Loan when due. The Agreement shall be executed by way of signing by the Client of a Loan Application and the acceptance thereof by the Bank by way of extending the Loan to the Client. The Loan Agreement consists of a Loan Application, General Terms, Card Rules and Tariffs and is executed upon the Borrower s signing the Loan Application and the Bank acceptance the Application by granting the Loan to the Borrower (applicable to Loan Agreements concluded before 01.07.2014). The Loan Agreement is concluded by signature of the Individual Terms by the Borrower and the Bank. The General Terms of the Loan Agreement are specified in the General Terms, Card Rules, Tariffs. The Individual Terms of the Loan Agreement are specified in the Individual Terms (applicable to Loan Agreements concluded after 01.07.2014). for the purpose of Clause 9 «Procedure for settlement of loans for the procurement of a Vehicle» a Consumer Loan Agreement under 4 The service is available according to the extent of technical realization. 5 The service is available according to the extent of technical realization. 6 The service is available according to the extent of technical realization. AO Raiffeisenbank 7

which the Bank undertakes to provide a Loan to the Borrower, to open an Account (if required), and the Borrower undertakes to utilize the Loan for the Loan Objective and repay the Loan within the established timelines. A Loan Agreement consists of a Loan Application, General Terms, Card Rules and Tariffs and is executed upon the Borrower s signing a Loan Application and the Bank s acceptance of the Application by providing a Loan to the Borrower (applicable to Loan Agreements concluded before 01.07.2014). The Loan Agreement is concluded by signature of the Individual Terms by the Borrower and the Bank. The General Terms of the Loan Agreement are specified in the General Terms, Card Rules, Tariffs. The Individual Terms of the Loan Agreement are specified in the Individual Terms (applicable to Loan Agreements concluded after 01.07.2014). for the purposes of all other Sections of the General Terms and Conditions, all or any of the loan agreements specified above in this paragraph. 1.75. Credit Card means a plastic card issued by the Bank being after the date of its Activation becomes an instrument (electronic instrument of payment) to carry out transactions by its holder, the payments for which shall be made within the Credit-Card Available Balance. 1.76. Credit Limit means a limit within which a loan may be extended to the Borrower. The Credit Limit shall be set by the Bank on the basis of the Borrower s Credit Card Application/Individual Terms with regard to the Bank s evaluation of the Borrower s creditworthiness. The Credit Limit shall be provided for consumer purposes not related with entrepreneurship including for the payment for goods (services), withdrawal of cash, and payment of the Bank s fees contemplated by the Tariffs for the Credit Card, Instant Transfers of funds from the Credit Card to the Card, and as well as payment for participation in the insurance program of the Bank (if applicable). If used for Loan Agreements concluded before 01.07.2014 the Credit Limit may be changed (increased, decreased, or cancelled) at the Bank s sole discretion. The Borrower shall be notified of the results of consideration of his/her Credit Card Application and the approved Credit Limit by telephone or by sending a message at his/her e-mail address or by an SMS in accordance with the contact details provided by the Borrower; relevant notices of any changes in the Credit Limit shall be given to the Borrower by mail, or by sending a message at his/her e-mail address or by an SMS. Any use by the Borrower/ another Card Holder of the Credit Card in the event of change of the Credit Limit shall be regarded by the Bank and the Borrower as the Borrower s agreement with the change in the Credit Limit. In case the Borrower does not agree to the increase of the Credit Limit by the Bank the Borrower is entitled to inform the Bank of such disagreement turning to any Bank Subdivision (including by a call to the Bank s Call Centre, by sending a message through the System) upon which the Credit Limit will be set in the previous amount. For Loan Agreements concluded after 01.07.2014 the procedure of the Credit Limit change is specified by provisions of the Individual Terms. 1.77. The Card Limit means a limited amount of funds available to the Card Holder within a certain period of time for conducting all types of Card Transactions. The amount of the Card Limit includes the amount of the Cash Withdrawal Limit. 1.78. Cash Withdrawal Limit means the maximum amount of funds available to the Card holder, who wishes to receive cash money, during a certain period of time and/or by making of any other Transfers between credit cards by the Card Holder (Instant Transfers of funds between the Cards and Transfers to cards of any other banks), provided that the Transfers to cards of any other banks shall be effected within the additional limitations under the Tariffs of the Bank and beneficiary bank. 1.79. Grace Transaction means a transaction effected within the Reporting Period: non-cash payment for goods and services, payment for insurance program participation, yearly or monthly commission for Credit Card settlements, payment of fee for processing of Credit Card Transactions connected to the Loyalty Programme, payment of fee for depositing cash by issuing a cash receipt note, or by using electronic POS terminal at the cash desks of the Bank Subdivisions payment of fee for courier delivery of the Credit Card or documents, commission payment for the Service SMS-Bank, Extended Statement commission payment to the Bank. Grace Transactions do not include Quasi cash transactions, transactions related to Transfers between Bank Cards, cash withdrawal transactions, fees charged for such transactions, transfers and withdrawals, as well as transactions (or parts thereof) being the cause of Credit Limit Overlimit. 1.80. Grace Period means a period of time starting from the date of extension of the Loan in the Reporting Period till the last day of the relevant Payment Period (inclusively). No Grace Period shall be granted in respect of Transfers between bank cards, cash withdrawal transactions, Quasi-cash transactions and the commissions related thereto. 1.81. M(F)C is a maternity (family) capital, the funds of the federal and/or regional budget afforded by the Pension Fund of the Russian Federation and/or local authorities to the Borrower as the administrator of the M(F)C (part thereof) as required by applicable law. The M(F)C funds received from the Pension Fund of the Russian Federation (i.e. from the federal budget) and/or local authorities (i.e. from a regional budget) are used by the Bank to fully or partially prepay the debt under the Loan Agreement. 1.82. Maximum Deposit Amount means the amount of money defined by the Tariffs applicable as of the Deposit Agreement date/prolongation date. 1.83. Minimum Deposit Amount means the amount of money defined by the Tariffs applicable as of the Deposit Agreement date/prolongation date. 1.84. Minimum Repayment Amount means a mandatory payment towards repayment of the Indebtedness as of the date of Statement in the amount specified in cl. 7.5.3 of the General Terms. 1.85. Raiffeisenbank Mobile Application means a mobile application for Mobile Device giving the Client possibility of an access to the System from the Mobile Device. For installation of Raiffeisenbank Mobile Application to the Mobile Device the Client shall individually take any steps required for copying of the above-mentioned application from Internet sites itunes.apple.com or play.google.com. 1.86. Mobile Device AO Raiffeisenbank 8