Corporate services

GENERAL GUIDELINES

This User's Guide, issued by B.C. "Moldindconbank" S.A. establishes the way of using Moldindconbank MasterCardBusiness card by an authorized Cardholder. It is issued under requirements of NBM Regulations no. 58/11-02 of June 22, 1997 on organization of card transactions by banks within the Republic of Moldova, NBM Regulations on currency control within the Republic of Moldova of January 13.1994, Regulations of Europay International and all applicable laws of the Republic of Moldova.

Wherever used in this User's Guide or any other documents arising hereunder, the following terms have the following meanings:

• Agreement
  The agreement concluded between the Applicant and the Bank for the purposes of issuing the card and establishing card using conditions as well as opening and maintaining accounts for all operations with cards issued by B.C. "Moldindconbank" S.A. The agreement consists in Application, and the User's Rules, and it becomes automatically valid at the moment of Application approval by the Bank.
• Application
  A document (an integral part of the Agreement) filled in by the Applicant in order to obtain a card.
• User's Rules
  User's Rules (an integral part of the Agreement) governs usage of cards and can be changed from time to time.
• Bank
  Card Issuer: B.C. "Moldindconbank" S.A., 38, Armeneasca Street, MD 2012, Chisinau, Republic of Moldova.
• Issuer
  The Bank participating in a card payment system, either the owner of respective card brand name or the bank with the rights to issue cards with respective brand arising out of mutual obligations with the owner of respective brand.
• Basic Cardholder
  A legal entity (trade company/institution) on behalf of which is opened a card account bound by mutual obligations with Issuer.
• Authorized User
  A person, an employee of trade company/institution, appointed by the Basic Cardholder as an Authorized User of card Moldindconbank MasterCard Business.
• Cardholder
  A Person for which was issued the card Moldindconbank MasterCard Business.
• Card
  The card Moldindconbank MasterCard Business - an international card issued by B.C. "Moldindconbank" S.A. for employees of a trade company/ institution (Authorized Users) in order to pay for goods/services or to draw money through cash dispensers. The Card is a standardized support of information, secured and individualized, used by a cardholder in compliance with mutual obligations with the card's Issuer and it is accepted by the trader as a tool of payment for purchasing goods, services, drawing cash money and performing other services of cash dispensers or pay-offices.
• PIN
  Personal Identification Number is generated in the system through computer and it is assigned to a Cardholder for using in card transactions. The PIN is an alphanumeric confidential code, which can be used to check the cardholder's identity. The PIN is considered the electronic equivalent of cardholder signature and it is used as a security tool.
• Card Account
  An account that is opened and maintained by Bank on behalf of Basic Cardholder, on which all card transactions as well as fees, charges and all related expenses are debited/credited.
• Fees and Commissions
  The fees and charges related to card operations which are set forth in Bank's Terms and Conditions.
• Depositary Terms and Conditions
  Depositary Terms and Conditions elaborated and approved by Bank.
• Trader
  A legal entity or an individual, which according to mutual obligations with trader's bank is accepting cards, used in right way, as a payment tool for purchasing goods and services.
• Card Transaction
  A transaction, when a card is used to pay for goods/services or to draw cash. All transaction will be performed according to currency regulation provided by legislation of Moldova and rules established by Basic Cardholder.
• ATM
  A machine (Automatic Teller Machine) used to draw cash from a card account and to perform other functions.
• POS-terminal
  A device installed at the places of selling or providing services for taking, collecting and sending information on card payments through electronic means.
• Imprinter
  A mechanical device originating the bill on paper by taking imprints from element made on embossed card side.
• Record of Charge
  The primary evidence represented by a bill or receipt and filled in by the trader, which confirms performing of card transaction.

It is very important that User's Rules to be well learned and applied exactly in order to avoid potential negative results.

Note: filling and signing Application to issue the card involves absolutely to know and accept User's Rules.

USER'S RULES

Using of card and PIN code

1. The card and PIN must be used by Cardholder in strict compliance with User's Rules. The Cardholder will find out its PIN-code from PIN-envelope received in the same time with card from Bank representative. It is prohibited to disclose your PIN to any other persons.
2. Upon giving PIN-code to Cardholders Bank limits its responsibility to the situations stipulated by User's Rules.
3. The Bank will issue a card Moldindconbank MasterCard Business for an Authorized User on a written notice from the Basic Cardholder. Any card issued in name of an Authorized User can be canceled based on a written notice from the Basic Cardholder addressed to Bank with annexed card or based on card restitution to the Bank.
4. The Bank will issue the card to Client collecting of all fees according to the Bank's Fees and Commissions, including enrollment charge.
5. On receipt, the card will be signed with a ballpoint pencil on a special reserved spot on the backside.
6. The card cannot be transferred. It shall be used only:
   1. by the Cardholder;
   2. in accordance with User's Rules;
   3. during the validity period written on the card;
   4. in compliance with the Bank's right at any time without prior notice to refuse any request for authorization, reject the issuance of a new card or its replacement, without obligation to explain such rejection.
7. The card will be used to:
   1. draw cash money at Bank ATMs or other representatives of card payment system;
   2. make transactions for purchasing goods and services from trade companies (shops, hotels, restaurants, and petrol stations) which participate in Card payment system.
8. Using Card for purchasing goods and services, the Cardholder shall check the correctness of the Record of Charge, i.e. card number, the amount and the date of transaction, and sign the document.
9. The trader has the right to ask for card surrendering in case the cardholder's signature does not correspond to the relevant signatures on the card and Record of Charge.
10. The trader shall remit to Cardholder an example of such document.
11. The Cardholder shall keep the Record of Charge during two (2) years from the date of issuing, in order to control and monitor expenses on its card account.
12. Any trader can ask the Cardholder to show an identification document at the moment of performing any card transaction (passport, driver's license).
13. It is forbidden to use the card in "quasi-cash" transactions (gambling, casinos, lotteries, opening deposit accounts, etc.).
14. The card remains the property of the Bank and it must be returned immediately on demand. Such demand, if made, will automatically lead to cancellation of the Agreement.
15. The Card must not be used after it is canceled or suspended. The card can be canceled or suspended by the Bank in case the agreement relations are stopped or the Cardholder declares the lost or theft of the card.
    Should the Cardholder violate the above-stated conditions he subject to the legislation in effect.

Card Account

16. This Card Account is opened by Bank in USD currency. Minimal amount to open a card account is stipulated by relevant Terms and Conditions of B.C."Moldindconbank" S.A..
    The Basic Cardholder authorizes the Bank to automatically charge his/her card account with the full cost representing:
    1. performed card transactions;
    2. payment of due banking commissions, fees and interests;
    3. equivalent of a fraudulent operation fulfilled by the Cardholder or with the help of card as a result of stealing or losing a card;
    4. equivalent of all expenses (post, phone bill, etc.) performed by Bank on behalf of Cardholder in connection with disputable transactions (authorization, transfer).
       The Cardholder has the right to put in a written protest for the card transaction during seven (7) calendar days from date of receiving the statement of account.
17. The Bank issues for the Basic Cardholder a monthly statement of account containing information about initial balance of Card Account, list of transactions of the relevant month and final balance. The Basic Cardholder receives his statement of account for the relevant month after the 10th day of the next month. The Bank charges its commission for any additional statement of account.

Fees and Commissions

18. Bank's fees and other expenses related to card and card account will be directly withdrawn from card account under established tariffs of "Moldindconbank" S.A..

Interests

19. The interests accrued on the balance of the card account represent the interest rate established in depositary conditions of "Moldindconbank" S.A.

Issuance and renewal of cards

20. The Bank has the right within the validity if this Agreement to issue, from time to time, new cards that will replace existing cards, not requiring to fill in a new Application. Should there are no modifications in the Agreement, utilization of new cards is governed by User's Rules of this Agreement.

Cancellation of Agreement

21. This Agreement immediately will be canceled (without releasing the Cardholder from any obligations arising out of performed transactions) in case:
    1. the Cardholder is going into liquidation procedure or a part or all of his/her property, engagements or assets are alienated;
    2. the Basic Cardholder is adjudicated bankrupt;
    3. the Cardholder is notified in written by the Bank about violation of existing User's Rules.
22. 1. the Bank can terminate the Agreement at any time and has the right:
       1. to cancel without notice, in case of non-compliance with User's Rules, one or all cards issued or used under the Agreement;
       2. to reject the request for reissuing, renewal or replacement of any card, without releasing the Cardholder from any obligations arising out of performed transactions.
    2. all cards issued by the Bank will be returned by the Basic Cardholder at its request;
    3. the Basic Cardholder has the right to terminate the Agreement at any time (without releasing the Cardholder from any obligations arising out of performed transactions) giving a written notice to the Bank and returning the card/cards.
    4. The cancellation of the Agreement becomes valid after all cards issued hereunder are returned to and received by the Bank, and all liabilities of the Basic Cardholder are fully discharged.

PIN and Card Security

23. The Cardholder is not allowed to make any technical changes in card security parts, which protects the card from physical damages or to change any personalization elements. Should the Card was damaged, it is declared as null and void and withdrawn from circulation.
24. The Basic Cardholder shall undertake all necessary measures to assure the security of card and PIN issued in his name or in the name of any Authorized User. The User shall assume also all necessary measures to assure the security of card and PIN have been issued for him. It is prohibited to write the PIN code on the card or any other document. The PIN code must be memorized on receipt and the Bank document must be destroyed.
25. The Cardholder shall ensure authenticity of the information given in the Application and inform the Bank about any change in his address or name immediately.
26. 1. The Basic Cardholder shall immediately report theft or loss of the Card to the Bank (phone: 54 89 40). After oral communication (phone communication) the Basic Cardholder shall confirm the Basic Cardholder shall confirm theft or loss of the Card in written. The notice related to such loss/theft of card shall be remitted to any unit or branch of "Moldindconbank" S.A. or mailed to the address: "Moldindconbank" S.A., 38, Armeneasca St., MD 2012, Chishinau, Republic of Moldova.
    2. Until the Bank is receiving the written notice related to lost/theft of card, the Basic Cardholder bears full responsibility for unauthorized utilization of card resulted in the breach of Agreement or User's Rules.
    3. In case:
       1. Cardholder's card is lost or stolen, the Cardholder shall present all necessary information to the Bank and assist in retrieving actions;
       2. Cardholder's PIN is known by any other person or was disclosed accidentally or in other way, the Cardholder shall provide all necessary information to Bank concerning such disclosure and return the card.
    4. the card, previously reported as missing, is retrieved, the Cardholder shall apply to the Bank for further instructions; subsequent use of this card is prohibited

Change of Agreement

27. The Bank may change User's Rules from time to time. Any amendment or supplement to User's Rules shall be announced by written notice within thirty (30) business days before entering into force.

Claim Resolution

28. Any claim arising from this Agreement shall be examined by the Bank according to Regulations no. 58/11-02.

Finale Guidelines

29. In case a trader refunds any amount of money related to any card transaction in favour of any Cardholder, his Card Account will be credited with such amount.
30. The Bank provides authorization services 24 hours per day and seven days per week.
31. Any information given in the Application can be used by the Bank to identify any other services and products that can be offered to Cardholder in future.
32. All information related to Cardholder is confidential and shall not be disclosed to any other third party except legal authorities and in conformity with the provisions of the legislation in effect.