PUBLIC OFFER FOR CONCLUSION OF AGREEMENT OF BANK ACCOUNT OPENING AND MAINTENANCE
IN NATIONAL AND FOREIGN CURRENCY
1. GENERAL PROVISIONS
1.1. This Offer, in accordance with Part 2 of Article 398 of the Civil Code of
the Kyrgyz Republic, shall be considered public and is an offer of the CJSC
“Kyrgyz Investment and Credit Bank” (hereinafter referred to as the Bank) to
any legal and capable individual/individual entrepreneur/legal entity
(hereinafter referred to as the Customer) to conclude an Agreement with the
Bank of bank account opening and maintenance in national and foreign currencies
(hereinafter referred to as the Agreement), the terms of which are contained in
this Offer below.
1.2. A bank account (hereinafter referred to as the “Account”) is a current
account and a demand deposit, which shall include a card account (linked to a
bank payment card).
1.3. The Agreement shall be considered concluded from the moment the Customer
signs the Customer’s Application-Questionnaire for opening an account of the established
form (Annex№3) (hereinafter referred to as the “Application
for opening an account”), which means full and unconditional acceptance of this
Offer and, in accordance with Article 402 of the Civil Code of the Kyrgyz
Republic, acceptance by the Customer of all the terms of the Agreement, as well
as Bank Tariffs, subject to the provision by the Customer of the documents
necessary for opening an Account in accordance with the requirements of the
legislation of the Kyrgyz Republic and local regulations of the Bank. The Customer shall
confirm that he/she has read all the terms of the Agreement and agrees to the
Bank providing him/her with the services specified therein. The Customer must
and undertakes to be guided only by the terms of this Agreement and all Annexes
thereto, published on the official corporate website of the Bank www.KICB.net. The Customer shall assume all
rights and obligations provided for in this Agreement, including all and any
amendments and additions made to it.
1.4. An application for opening an account, which means full and unconditional
acceptance of this Offer, shall be an integral part of this Offer for
conclusion of Agreement of bank account opening and maintenance in national and
foreign currencies.
1.5. This Offer shall be valid until it is declared invalid or a new offer is
published.
2. TERMS AND DEFINITIONS
2.1. Authorization is the Bank’s permission to conduct a Card Transaction.
2.2. Authorization data – Login, Password, One Time Password, PIN code “«KICB»”/“«KICB»
Business” and Biometric data of the Customer, used by the Bank for
Authentication of the Customer when logging into the “KICB”/“KICB Business”
system (hereinafter referred to as the “system “KICB”).
2.3. Authorized work session – a period of work of the Customer in the «KICB»
system, the beginning of which is the implementation of the Customer
Authentication procedures. The end of the Customer's Authorized session in the
«KICB» system is considered to be the moment of exit from it.
2.4. Cancellation of a Card means recognition of a Card as invalid and its
withdrawal from circulation.
2.5. Customer Authentication is a procedure for establishing the Customer’s
authenticity by checking and comparing the characteristics of the presented
identifier (Login, Password, biometrics, PIN code «KICB», etc.) based on
Authorization Data.
2.6. Bank – Closed Joint Stock Company “Kyrgyz Investment and Credit Bank”.
2.7. The Bank payment card (payment card) - a payment tool used when making
settlements when purchasing goods, services, receiving cash in national and
foreign currencies, making money transfers, and also for making payments in the
form of electronic money through terminals, ATMs or other devices
(peripherals).
2.8. A banking day is working hours when the banks of the Kyrgyz Republic are
open for banking transactions.
2.9. A bank account (hereinafter referred to as the “Account”) is a current
account and a demand deposit, which includes a card account (linked to a bank
payment card) opened to the Customer on the basis of an agreement concluded
between the Bank and the Customer.
2.10. An automated teller machine is an electronic device of automated cash
dispensing on a Card.
2.11. Biometric data – functions of the Customer’s fingerprint and/or facial
recognition, read and processed by a mobile phone, used for Customer
Authentication, which are an optional replacement for the PIN code of the
«KICB» mobile application and available if the Customer’s mobile phone supports
such functionality.
2.12. Card Blocking is full or temporary prohibition to conduct transactions
using a Card, imposed on the initiative of the Bank or the Cardholder by one of
the methods determined by the Payment system. In case of full prohibition, the
seizure of a card upon its presentation for maintenance is envisaged.
2.13. Virtual Card – A card issued in electronic form without physical media.
2.14. Card Account Statement – a statement, executed by the Bank at the request
of the Card Holder and reflecting operations performed on the Card Account for
the requested period according to the Bank’s tariffs.
2.15. Remote banking service is a way to provide services by the Bank based on
orders transferred by the user remotely/on a distance using the «KICB» system.
2.16. An additional statement is a statement from a Card-account, formed by the
Bank upon the Cardholder’s request and reflecting the transactions conducted on
a Card-account for the requested period according to the Bank’s Tariffs.
2.17. An additional card is the second and the following Cards issued on a Card
account.
2.18. A monthly statement – the Bank forms a statement upon the Cardholder’s
request and reflects transactions conducted on a Card-account within the last
calendar month. A monthly statement contains a brief description of Card
transactions, payments and write-offs, carried out also based on the Cardholder’s
instructions, specifies the cash balance on a Card-account (“+”) or the amount
of the debt (“-“) at the beginning and the end of the last calendar month.
2.19. The debt is the Cardholder’s debt to the Bank according to the agreement
and the Bank’s tariffs, including the amount of the Overdraft facility as well
as legal costs and losses caused to the Bank.
2.20. Application for service in the «KICB» system - the Customer’s application
for service in the «KICB» system submitted to the Bank and signed by the
Customer in a form approved by the Bank.
2.21. A Card Transaction is payment for goods (works and services), receipt of
cash, currency exchange and other transactions, carried out using a Card,
registered on a Card-account of the Cardholder.
2.22. A Card-account is a bank account, opened with the Bank in the name of the
Cardholder in order to ensure conduct of Card transactions as well as other
transactions, envisaged by the legislation of the Kyrgyz Republic.
2.23. A code word is a word, indicated by a customer in an application for a card
opening, which the bank has the right to demand for identification of a
customer by phone.
2.24. Confidential information - any information (information) received,
transmitted and used by the Bank, the Customer or the Authorized Person during
the use of Remote Banking services, including Authorization Data and
information constituting bank secrecy.
2.25. Personal Account – a section of the website that allows the user to access
their bank accounts and remotely manage their bank accounts.
2.26. Login - a unique electronic name/identifier used for Customer
Authentication in the «KICB» system. When the Customer connects to the «KICB»
system, the Login is initially generated by the Bank; later the Login can be
changed by the Customer independently.
2.27. MOTO transactions - remote payment for goods or services, by phone, by mail
(mail order telephone order). Connection to MOTO operations is carried out by
the Bank only on the basis of a separate agreement and/or agreement concluded
between the Bank and the Cardholder. The Bank reserves the right to refuse the
Cardholder to connect to MOTO operations.
2.28. Minimum balance - the amount blocked on the card account for the proper
performance by the Card Holder of its obligations under the Agreement. The size
of the minimum balance shall be determined by the Bank's Tariffs.
2.29. A password is a unique sequence of characters intended for Customer
Authentication in the «KICB» system.
2.30. A PIN-code:
·
PIN- code of the card
(hereinafter – PIN-code)- a Personal Identification Number, a digit secret
code, assigned to the Cardholder’s card and meant for his/her identification
when conducting Card transactions through electronic devices.
·
PIN code of the «KICB»
mobile application (hereinafter referred to as the PIN code “«KICB»”) is a
unique sequence of characters used for Customer Authentication in the «KICB»
mobile application. After the first successful Authentication of the Customer,
the PIN code «KICB» replaces the Login and Password (if there is no password or
biometrics on the hardware device).
2.31. Payment system (PS) is the national or international payment system, a set
of software and hardware, documentation and organizational and technical
activities, ensuring payments using payment cards in accordance with the
internal rules of this system. The payment system establishes the list of
allowed operations, operation rules and carries out clearing settlements on
Card transactions between members of the system in the Kyrgyz Republic with
relevant currency conversion.
2.32. Payment limit is the amount of the funds without the amount of the minimum
required balance on a Card account, within which the Cardholder can conduct
transactions using a Card.
2.33. Customer's Order – a payment document, including an electronic payment
document containing the Customer's instructions to the Bank to carry out
banking operations, including through the «KICB» system, provided for in this
Agreement.
2.34. The register of transactions is a document, received by the Bank as a
softcopy and containing the information about transactions, carried out using
the Cards for a definite period.
2.35. Full access mode – access to the «KICB» system with the ability to perform
transactions.
2.36. View mode – access to the «KICB» system without the ability to perform
operations.
2.37. Card Details stand for a card number, a PIN-code, CVV2, expiry date of a
card, a code word, a signature of the Cardholder, ciphered information on a
magnetic strip or chip, etc.
2.38. Authorized payment is payment, made using a Card, if during payment a Card
is not blocked, it is not expired and the Card is used for making payment by
its real Cardholder. Unauthorized payment is payment made with violation of the
authorized payment requirements. Unauthorized payments are also payments made
using fake Cards.
2.39. The «KICB»/«KICB BUSINESS» remote banking
system (hereinafter referred to as the “«KICB»” system) is a set of services
for remote access and management of the Customer’s bank accounts using a
computer, mobile phone or other device with Internet access. It includes the
following services:
2.40. A stop-list is the list of the card numbers that are not serviced. The
stop-list includes lost or stolen cards, and this prevents their unauthorized
or malicious use. The cards are included into the stop-list at the expense of
the Cardholder according to the Tariffs. The minimum period of the card
inclusion into the Stop-list is 14 (fourteen) calendar days.
2.41. Tariffs are the list of services and the amount of the fee charged for
services set by the Bank. The current tariffs are brought to the Customer’s
notice by placing the information in the premise of the Bank, its branches,
representative offices, site www.KICB.net.
2.42. Technical Overdraft is the amount of money spent over the balance on a
Card-account. The interest may be accrued on the amount of the Technical Overdraft.
The Technical Overdraft can appear when the Bank accounts the fee as per the
Tariffs as well as in case of exchange rate differences after processing
transactions by the Payment system.
2.43. A token is a physical device that generates an OTP code.
2.44. Trade and service enterprises (TSE) are service, trade and service
enterprises that have the right to accept Cards for payment for goods and
services in the field of trade and service.
2.45. Trans boundary payments using the Card are card transactions carried out outside
the Kyrgyz Republic.
2.46. A three-digit verification code CVV2 (Card Verification Value - 2) is a
unique code of card verification consisting of three digits, located on the
back of the card, meant for conduct of transactions on payment for goods and services/registration
through Internet and MOTO transactions.
2.47. Authorized person - a person authorized by the Customer in the manner
prescribed by law, who has the right to manage the Customer’s Accounts, manage
funds on these Accounts on behalf and at the expense of the Customer, perform
transactions on the Customer’s account, receive information about the balances
on the Customer’s accounts, as well as receive statements about movement of
funds on the Customer's accounts.
2.48. A Chargeback is the bank’s refusal from making payment on a transaction,
which is expressed in debiting an acquirer’s account (for the amount of the
transaction, considered by the Bank as made with the violation of the Payment
system’s rules). An acquirer is sent a message containing reasons, grounds in
accordance with which the chargeback was made.
2.49. An acquirer is a commercial bank
that has received permission to carry out acquiring, the owner of a network of
peripheral devices, which provides the possibility of authorization or
transactions through its peripheral devices in accordance with the technology
and regulatory acts of the relevant payment systems and the legislation of the
Kyrgyz Republic.
2.50. Acquiring is an activity of a financial and credit institution, including
contractual relations with TCR for use of the Card as a payment tool for sold
goods, works, services, ensuring settlements with TRC and/or issuance of cash
funds to the Cardholders.
2.51. An issuing bank is the Bank issuing the Cards.
2.52. Google Authenticator is a mobile application installed on the Customer’s
mobile phone, which generates an OTP code for logging in/confirming
transactions in the «KICB» system.
2.53. One Time Password (hereinafter referred to as OTP code) is a one-time
password for Customer Authentication or transaction authorization, sent to the
Customer’s mobile phone via SMS message, either generated by the Google
Authenticator mobile application, or generated by the Token.
2.54. Push notification is a message sent by the Bank using the Internet to the
Customer’s mobile device with a mobile application installed on it.
3. SUBJECT OF THE AGREEMENT
3.1. The
Agreement shall determine the procedure and conditions for opening and
servicing Accounts, and regulates the relationship between the Bank and the
Customer (hereinafter referred to as the “Parties”).
3.2. The
Customer shall undertake to manage the funds on his/her Account in the manner
and under the conditions provided for by this Agreement and the current
legislation of the Kyrgyz Republic.
4. THE PROCEDURE FOR OPENING
AND MAINTENANING ACCOUNT
4.1. The Bank shall open the Account in the Customer’s name based on his/her
written application completed in the form required by the Bank and upon
submission by the Customer of the duly completed documents required by the
legislation of the Kyrgyz Republic and the Bank.
4.2. The Bank shall accept and credit incoming funds to the Customer's Account,
execute the Customer's orders to transfer and withdraw funds from the Account
and conduct other operations on the Account in accordance with the current
legislation of the Kyrgyz Republic, rules and instructions of Payment systems
and this Agreement.
4.3. The Bank shall write-off (disburse, remit, provide other financial
services) the funds from the Customer’s Account only after receipt of the
Customer’s instruction, unless otherwise stipulated in this
Agreement. All disbursements from the Customer’s account shall be made to the
extent of the balance of the funds on the Account.
4.4. When conducting Account operations, the Customer shall provide the Bank
with payment documents completed in accordance with the requirements of the
current legislation of the Kyrgyz Republic.
4.5. Any documents provided by the Customer to the Bank shall comply with the
requirements of the current legislation of the Kyrgyz Republic, and if
necessary, shall be completed according to the forms and the samples provided
by the Bank. It is prohibited to use helium pens on any documents submitted to
the Bank.
4.6. The liability for contents, validity of any documents provided by the
Customer shall be taken by him/her.
4.7. If the Customer gives several instructions to the Bank, the amount of which
exceeds the balance, allowable for use on his/her Account, the Bank shall
fulfill these instructions on a first-come-first-served basis, at its own
discretion or in accordance with the current legislation of the Kyrgyz
Republic.
4.8. The Bank shall be authorized to use services of the third parties to carry
out any transaction, if the Bank deems it reasonable. The Bank shall not bear
any liability for a third party’s errors, delays or inaccuracy in fulfilling
the Customer’s instructions, but the Bank shall take all possible measures to
regulate possible issues.
4.9. All payments and operations on the Account shall be performed in the
currency of the Account. Payments made in a foreign currency/currency other
than the Account currency shall be carried out at the official exchange rate
established by the Bank at the time of the Transaction or on the day of
receipt/crediting of funds. The Bank based on agreement with the Customer, at
its own discretion shall apply any acceptable exchange rate in accordance with
the common banking practice and the legislation of the Kyrgyz Republic.
4.10. The Bank may withhold any amounts due as the bank fees or the compensation
of other costs in connection with conversion of the funds from one currency
into another according to the current Tariffs. The Bank shall not be liable for
holding conversion operations and for any losses caused by the actual schedule
of conversion by the Bank according to the requirements of the legislation,
provided that the Bank does not cause any unreasonable delays in accordance
with the normal banking practice.
4.11. An operation day of the bank is the period of time during which the Bank
conducts accounting and operational work with current day. The payment
documents shall be accepted for processing during the period of time set by the
Bank for service of the customers. The documents received by the Bank upon
expiration of the current operation day shall be accepted by the Bank for
processing on the next operation day. The information on working hours shall be
made available to the Customers by posting it in the Bank branches and the Bank
official website.
4.12. By entering into this Agreement, the Customer confirms that he/she is the
legal owner of the funds or provides information about their true owner, and
the source of funds entering his/her Account is lawful/legal.
4.13. The Bank shall not be responsible for any errors, returns, economic
sanctions of other states, including trade or financial bans, restrictions, as
well as blocking of transfers by a correspondent bank (third party), or
incorrect actions, omissions of correspondent banks, subagents and other
agents, including for non-execution of payments by correspondent banks. The
Customer shall also agree not to make any claims to the Bank on issues related
to agreements between the Bank and its correspondent banks and/or subagents,
including agreements on the procedure for maintaining correspondent accounts and
on the tariffs for their maintenance, on the tariffs of correspondent banks
with other correspondents (including writing off their commissions by
correspondent banks from the principal amount of the Customer's transfer). The
Customer also agrees in advance with the instructions of the correspondent bank
on the prohibition of making payments of the Customer through the correspondent
account, without clarifying the reasons and request of supporting documents.
4.14. The Bank shall not be responsible if the customer uses non-current bank
details for incoming payments.
4.15. The Customer shall give unconditional consent to the provision of
information about his/her accounts (deposits) to the authorized state bodies,
in accordance with the requirements of the law, if the Customer is a state
person, civil servant or their close relative.
4.16. During customer service, the Bank shall pay a special attention to the
issues of interaction and assistance to persons with disabilities, including,
but not limited to, compliance with:
·
rules of etiquette
during communication with a customer;
·
rules for accompanying
the customer when the bank employee and the customer perform necessary
operations as part of the service;
·
application of available
measures for the most comfortable service;
·
communication with the
customer himself/herself, and not with his/her accompanying person, unless the
customer has chosen a different method of communication;
·
minimizing stress
factors in the process and full (detailed) explanation of banking procedures
for customer service.
At the same time,
customers with visual or hearing impairments can optionally receive an audio
reproduction of the agreement for opening and maintaining a bank account in
national and foreign currencies on the Bank’s official website: www.KICB.net.
4.17. The Customer shall
be aware of and agree with the Bank’s right to unilaterally change and/or
supplement the Agreement, change and/or cancel and/or establish the Bank’s
Tariffs.
Additional terms and
conditions of the Bank Payment Card Agreement:
4.18. When the Customer
carries out transactions on the Card in a currency other than the currency of
the Account, conversion will be made in accordance with the Conversion Scheme
(Appendix №1) from one currency to another, which provides for various
conversion options.
4.19. If an Additional
Card is opened, it may be opened in the name of another Customer.
4.20. If a Card is
ordered with an individual design, it is issued in accordance with the Bank's
Tariffs and the terms of this Agreement.
4.21. On the day of
opening the Card account, the Customer shall be obliged to transfer (deposit in
cash) funds to the Bank in the amount of the commission amount in accordance
with the Bank’s Tariffs, if the commissions are provided for in the Bank’s
Tariffs. The Bank shall be obliged to issue the Card to the Customer no later
than 7 (seven) Banking days in Bishkek and Osh, no later than 10 (ten) Banking
days in Bank branches located outside Bishkek and Osh, no later than 2 (two)
Banking days days for urgent production in Bishkek and Osh, and no later than
15 (fifteen) Banking days for a Card with an individual design from the moment
of payment of the commission amount in accordance with the Bank’s Tariffs.
4.22. The Bank hereby
informs the Customer about countries with a high level of risk, for
transactions in which a refund of funds is not possible and/or claims are not
provided for. The list of such countries is indicated on the Bank’s official
website at: www.KICB.net. The ability to carry out such operations is blocked
by default and can only be provided upon a separate request from the Customer,
at the discretion of the Bank.
4.23. The register of
transactions and other documents received by the Bank from the Payment System
are official documents confirming Card transactions, as well as the Bank’s
expenses incurred in connection with Card transactions.
4.24. The Bank does not
provide a loan to the Card Account, unless otherwise provided by additional
agreements concluded between the Bank and the Customer.
4.25. The list of cash
dispensing points and ATMs of the Bank, as well as cash replenishment points,
is communicated to the Customer by posting information on the premises of the
Bank, its branches, representative offices, and on the website www.KICB.net.
4.26. The Customer shall
agree to recording telephone conversations between the Contact Center and the
Customer and/or the holder of an additional Card when the Customer and/or the
holder of an additional Card contact the Contact Center orally. The sound
recording of a telephone conversation between the Contact Center and the
Customer and/or the Additional Card holder is a confirming fact of the oral
appeal of the Customer and/or the Additional Card holder to the Contact Center.
4.27. The customer shall
agree to receive an SMS notification to the phone number specified in the
application.
4.28. The Bank shall
provide the Card to legal entities for use and opens a Card account, provided
that the legal entity has current accounts with the Bank opened on the basis of
this Agreement. The Bank shall issue the card to authorized persons of the
legal entity specified in the sample signature card or according to the power
of attorney, for legal entities to receive bank cards and envelopes with PIN
codes (Appendix №2).
5.
PAYMENT OF BANK FEES AND THE PROCEDURE OF SETTLEMENTS
5.1. The cost of Bank fees for cash and settlement services and other
operations, available according to this Agreement, shall be identified by the
Tariffs valid at the moment of the operation.
5.2. If there are inconsistencies between the Tariffs, other applicable special
terms or agreements and this Agreement, the Tariffs, special terms and
agreements shall prevail.
5.3. In addition to interests, duties, fees for account administration and bank
fees paid according to the Tariffs, the Customer shall bear all expenses related
to the Account operations, including without limitation, fees of the third
party, postal expenses, public duties, taxes, insurance payouts public duties,
taxes, insurance payouts and legal fees, communications expenses (telephone,
telex, telegraph, internet, etc.) of the Bank (hereinafter collectively
referred to as the “Expenses”).
5.4. The interests on the funds on the Account shall not be accrued and paid by
the Bank, and shall not be paid in case if it’s not provided with the Bank’s
Tariffs and marketing campaign.
Additional terms and
conditions of the Bank Payment Card Agreement:
5.5. Technical
Overdraft:
5.5.1. Each case when
the Customer allows a Technical Overdraft may be grounds for the Bank to
terminate the Agreement.
5.5.2. From the moment
of formation of the Technical Overdraft under the Agreement, the money received
on the Card Account is directed by the Bank to repay the total amount of debt
as of the current date.
5.5.3. When the Customer
repays the Debt under the Agreement, the following order of payments is
determined: the amount of the Technical Overdraft, other expenses of the Bank
associated with the collection of the Technical Overdraft. If the debt
repayment day does not fall on a Banking Day, then repayment is carried out no
later than the next Banking Day.
5.5.4. The Customer's
fulfillment of his/her obligations under the Agreement shall be ensured by the
Minimum Card Balance. The debt shall be repaid at the expense of the Minimum
Balance by the Bank automatically and unilaterally. If the Minimum Balance
amount shall be insufficient to repay the Technical Overdraft, the Customer
undertakes to repay the Technical Overdraft amount within 2 days from the date
of receipt of the notification from the Bank.
6.
RIGHTS AND OBLIGATIONS OF
THE CUSTOMER
6.1. The Customer shall be obliged to:
6.1.1.
Provide the
Bank with duly completed documents containing accurate data required to open
the Account and to perform the operations in accordance with the Bank’s
requirements and the current legislation of the Kyrgyz Republic.
6.1.2.
Carry out
its activity and use the Account opened with the Bank in accordance with the
legislation of the Kyrgyz Republic, the internal regulatory acts of the Bank
and this Agreement.
6.1.3.
Not benefit
the Bank’s services for any illegal purpose, and not perform any actions
(operations) aimed to legalize criminally/illegally derived income or to
finance terrorism/extremism and proliferation of weapons of mass destruction.
6.1.4.
Submit to
the Bank any additional data and documents (including data necessary to
identify and verify the Customer and the beneficiary(ies)) as well as
confirming documents on carried out operations on the Bank’s request with aim
to perform requirements on combat with financing of terrorist/extremist
activity and legalization (laundering) of criminal incomes in accordance with
the legislation of the Kyrgyz Republic and regulatory acts of the National Bank
of the Kyrgyz Republic.
6.1.5.
Pay the fees
for the Bank’s services according to the Bank's Tariffs and the terms of this
Agreement, ensure the balance of funds on the Account necessary to pay for the
Bank's services on time and in accordance with the Tariffs and promptly repay
the resulting Debt.
6.1.6.
In case of
erroneous depositing/writing off of the funds to/from the Customer’s Account,
immediately notify the Bank of incorrectly performed operation and return the
funds erroneously deposited/write off to/from the Account within no more than 5
(five) banking days upon receipt of the Account statement and/or sending of the
notice by the Bank in any available way.
6.1.7.
Immediately
notify the Bank of all changes, including changes in identification data,
address, telephone and fax numbers, details of personal or officers (for legal
entities and individual entrepreneurs) in charge of management of the Account.
If new officers having the authorities to sign or to countersign the payment
documents are appointed and the seal impression is changed (for legal entities
and individual entrepreneurs), the Customer shall, within 1 (one) operation
day, notify the Bank thereof in writing and shall re-register the new banking
card with specimen signature and seal impression to other persons. The Customer
shall take the liability for failure to notify and for untimely notification of
the Bank about the changes specified in this clause.
6.1.8.
Correctly
and timely communicate the payment details (specifically, correct name, number
of the account, payment purpose, etc.) to its counterparties regarding incoming
and outgoing payments. If the Bank receives the funds under the payment
documents containing inaccurate details, the Bank shall write-off the funds
from the Customer’s Account without acceptance and return them to the payer.
6.1.9.
The Customer
shall undertake to notify the Bank in writing 2 (two) business days prior to
cash withdrawal from the Account in the amount exceeding KGS 1 500 000 (one
million five hundred thousand) or USD 10 000 (ten thousand), as well as 2 (two)
business days prior to transfer of cashless funds from the Account in the
amount exceeding KSG 5 000 000 (five million) or USD 100 000 (one hundred
thousand).
6.1.10.
The Customer
shall be obliged to conduct independent check/monitoring of the Accounts held
by him/her at least once in 30 (thirty) calendar days, for this he/she can
obtain the Account statements and/or use the service «KICB»/ «KICB BUSINESS». If within
5 (five) transaction days upon issue of the statement, no comments are received
from the Customer the statement shall be deemed confirmed and accepted by the
Customer.
6.1.11.
If the Bank
has doubts about the economic feasibility and/or legality of the operation, the
Customer shall undertake, at the request of the Bank, to provide documents
confirming the legality and economic feasibility of the operation. Such
documents can be invoices issued to the customer, contracts concluded by the
customer, payment documents (for example, invoices), etc."
6.1.12.
Independently monitor
and familiarize with the Agreement, its changes and additions, via the
Internet, at least once a month.
Additional terms and conditions of the Bank Payment Card Agreement:
6.1.13.
Do not transfer the
Card, do not disclose any access codes to the Card to any third parties, by any
means. Violation of this condition leads to the withdrawal of the Card,
unilateral termination of the Agreement and compensation by the Customer to the
Bank for all losses (expenses) caused.
6.1.14.
Credit to the Card
account the funds necessary to pay for Card transactions arising from the
Agreement and the Debt to the Bank arising from the Agreement using funds from
the minimum balance no later than 2 (two) Banking days from the date of receipt
of the notification from the Bank.
6.1.15.
Bear all expenses
(expenses) for Card transactions made using the Card in full.
6.1.16.
In case of loss, theft
or unauthorized use of the Card, block the card yourself through the «KICB»
system or immediately contact the Bank with an oral or written request to block
the Card in the manner prescribed by the Agreement.
6.1.17.
Pay for all Card
transactions, as well as all outstanding obligations under the Agreement made
using the Card, in accordance with the Transaction Register in the following
cases:
·
in case of expiration of
the Card from the expiration date of the Card;
·
in case of receiving a
written notice of Card cancellation at the initiative of the Bank from the date
of receipt of this notice;
·
in case of Blocking of
the Card without adding it to the Stop List from the date of Blocking.
6.1.18.
In case of discovering
an erroneous withdrawal or crediting of funds from/to the Card account,
immediately inform the Bank in writing or orally about this.
6.1.19.
Take the necessary
measures not to disclose the Card Details to third parties and bear
responsibility for all operations confirmed by a PIN code and/or three-digit
CVV2 verification code and/or code word (including blocking and unblocking of
the Card).
6.1.20.
Be fully responsible to
the Bank for the use and safety of all Cards issued under the Card Account in
accordance with the terms of the Agreement.
6.1.21.
Reimburse the Bank, upon
its first request, for the amounts of the Overdraft on the Card Account,
including the Technical Overdraft, as well as the amounts of payments in favor
of the Bank, including the fee for suspending the Card and other payments under
the Agreement and other agreements concluded between the Bank and the Customer,
according to the Bank’s Tariffs.
6.1.22.
Customers - legal
entities and individual entrepreneurs undertake to retain primary documents on
transactions using Cards for at least 6 (six) months from the date of
transactions. Within 5 (five) business days from the date of receipt of the
Bank's written request, provide the Bank with primary documents and copies
thereof (accommodation invoices, transport tickets, receipts, checks and other
documents with checks, receipts attached) for all transactions made using the
Cards.
6.1.23.
Customers - legal
entities and individual entrepreneurs undertake, upon dismissal of the Card
holder, to withdraw the Card from him, notify the Bank of the need to suspend
transactions on this Card (block the Card) and return the Card to the Bank no
later than 5 (five) business days from the date of dismissal of the Card
holder.
6.1.24.
Customers - legal
entities and individual entrepreneurs undertake to inform the Card holder about
the terms of service of the Card account and familiarize them with this
Agreement.
6.1.25.
For late and/or
incomplete payment of the commission due to the Bank, the Customer undertakes
to pay the Bank a penalty in the amount of 0.2% per day of the amount due for
each day of delay. Payment of penalties does not relieve the Customer from
fulfilling his/her obligations.
6.1.26.
Be responsible for the
content of the materials provided to them for the production of a Card with an
individual design and compliance with copyright and other rights of third
parties. The Customer shall undertake to resolve any claims and/or lawsuits
from copyright holders and/or third parties against the Bank in connection with
the production of a Card with an individual design and/or its use on his own
and at his own expense without involving the Bank.
6.2. The Customer shall be entitled to:
6.2.1.
Independently
dispose of the funds withing balance of money, available on his/her Account in
the manner specified in current legislation of the Kyrgyz Republic, the
internal regulatory documents of the Bank and this Agreement.
6.2.2.
Make
inquiries related to the operations on the Customer's Account and any additional information and clarifications
on issues related to the use of the Account.
6.2.3.
Make written
statements regarding cash and settlement services. At any moment obtain
information regarding the current Tariffs of the Bank, familiarizing itself
with them in the premise of the bank, its branches, representative offices, on
the site www.KICB.net, an
information message via e-mail or in a hardcopy form applying to the Bank.
6.2.4.
The Customer
with disabilities who due to physical disabilities is unable to use his/her
handwritten signature shall be entitled to conclude this Agreement in writing
using a notarized facsimile signature, which fully replaces the handwritten
signature of the Customer in accordance with the current legislation of the
Kyrgyz Republic. Herewith, the Customer shall submit to the Bank a certificate
of facsimile signature (facsimile) authenticity issued by a notary.
6.2.5.
Credit money to the
Account in cash or non-cash form in the Account currency.
6.2.6. Unblock an
inactive Account using the «KICB» system.
Additional terms and
conditions of the Bank Payment Card Agreement:
6.2.7. Using the «KICB»
system or in the manner established by the Bank, Block or Unblock the Card.
6.2.8. Using the «KICB»
system or in the manner established by the Bank, increase daily spending
limits, gain access to conduct any transactions via the Internet and MOTO with
the Card belonging to him/her, while the Customer acknowledges and confirms his
awareness of the responsibility, possible risks and consequences of such
actions. Possible risks include, but are not limited to: the risk of
unauthorized transactions by third parties using a bank payment card, and, in
connection with this, the Customer guarantees and confirms that in the event of
such occurrence he/she doesn’t have any claims against the Bank and will not
have any claims.
6.2.9. Contact the Bank
with a written request to receive a copy of the payment receipt confirming the
fact of the transaction using the Card in accordance with the Bank's Tariffs.
6.2.10. Submit a claim
to the Bank regarding the disputed transaction written off from the Card account
within 45 (forty-five) days from the date of the Card transaction. Otherwise,
the completed Card transaction is considered confirmed, and subsequent claims
will not be accepted by the Bank.
6.2.11. Issue and/or
cancel Additional Cards on the Card Account by submitting the appropriate
applications to the Bank.
6.2.12. Establish
restrictions and limits on Additional Cards, indicating this in the relevant
applications for submission to the Bank.
6.2.13. Using the «KICB»
system or in the manner established by the Bank, change the established limits
for Card transactions on Additional Cards.
6.2.14. 25 (twenty-five)
calendar days in advance, re-issue the Card through the «KICB» system or submit
an application to the Bank due to its loss, theft and/or unauthorized use,
damage, demagnetization of the magnetic stripe or change in card details.
6.2.15. At any time,
receive information regarding the current Tariffs of the Bank by familiarizing
yourself with them at the Bank’s premises, its branches, representative
offices, on the website www.KICB.net,
by an information message via e-mail or on paper, by contacting the Bank.
6.2.16. If the Card is
retained by the Bank's ATM, contact the Bank with an application to issue the
Card retained by the ATM.
6.2.17. Contact the Bank
with an application to change the code word specified in the Application for
opening an account.
7.
RIGHTS AND OBLIGATIONS OF
THE BANK
7.1. The Bank shall be obliged to:
7.1.1.
Provide cash
and settlement services to the Customer in accordance with the current
legislation of the Kyrgyz Republic and this Agreement.
7.1.2.
Fulfill the
Customer’s instruction to make payments from his/her Account no later than on
the day following the Bank’s receipt of the payment order from the Customer,
except for the events described in this Agreement.
7.1.3.
Deposit the
funds remitted to the Customer’s Account not later than the day following the
day on which the Bank receives a relevant payment document. In case of failure
to provide supporting documents, the Bank shall be entitled to block the amount
prior to submission of supporting documents within the internal control for up
to 3 days.
7.1.4.
Accept from
the Customer cash in the currency (KGS, USD, Euro, KZT, RUB) of opened
Accounts, count and deposit it to the Customer’s Account in accordance with the
current legislation of the Kyrgyz Republic.
7.1.5.
Keep bank
secrecy on operations carried out on the Customer’s Account, keep secret
information about the Customer itself, not disclose any information about the
Accounts and operations therein without the Customer’s consent, except for the
events provided for in the legislation of the Kyrgyz Republic:
7.1.6.
Upon request
of the Customer, and in accordance with the Bank tariffs to issue Account
statements
and necessary original copies/copies of settlement documents after the
operation was made. If within 5 (five) operation days from the date of issuance
of the Account statement, no comments are made by the Customer, the statement
shall be deemed confirmed and accepted by the Customer. Any Account
certificates/statements of the Customer shall be executed by the Bank according
to the forms and in the manner prescribed by the Bank. At the same
time, the Bank is not responsible for unauthorized access to Account statements
transferred to an Authorized Person or received through the «KICB»/«KICB
Business» service.
7.1.7.
Advise the
Customer on the matters related to the cash and settlement services
Additional terms and
conditions of the Bank Payment Card Agreement:
7.1.8. When the Customer
contacts, provide the reason for blocking the Card.
7.1.9. When receiving a
request from the Customer through the «KICB» system/application to block the
card, block the Card no later than one banking day following the day the
application was received. When receiving a request from the Customer through
the «KICB» system/application to unblock the card, unblock the Card no later
than one banking day following the day the application was received.
7.1.10. Notify the
Customer orally or in writing about the formation of a Technical Overdraft or
delay in repayment of the Technical Overdraft to repay the Customer's debt. In
the absence of updated contact information of the Customer or in case of
failure to call/not read the SMS notification, the Customer is considered
automatically informed.
7.1.11. Refund the
minimum balance amount within 10 (ten) calendar days from the date of filing
the application for Card Cancellation, but not before receiving all settlements
for card transactions.
7.2. The Bank shall be entitled to:
7.2.1.
Charge fees for
servicing the Customer's Account in accordance with the current Tariffs.
7.2.2.
Refuse the
Customer to provide cash and settlement operations with the Account, to
disburse cash if there are facts that the Customer has violated the current
legislation, the regulatory documents and the directives of the National Bank
of the Kyrgyz Republic and the banking rules, this Agreement or the procedure
for completing settlement documents and meeting the deadlines for their
submission, or if the seal impression is blurred (not clear), the signatures
are illegible and inconsistent on the documents provided to the Bank, or if
there is a suspicion that the cash and settlement documents and signatures
thereon are genuine.
7.2.3.
If there are
undoubtedly erroneous records of crediting or debiting the Account, no matter
when such errors are detected, make respective corrections without additional
authorization from the Customer.
7.2.4.
If there are
no detailed Customer’s instructions regarding payment or transfer of the funds,
fulfill the payment or transfer of the funds based on information, provided by
the Customer. Herewith, the Bank shall not be liable to any third party for
fulfillment of such instructions.
7.2.5.
Without
prior notice to the Customer, freeze without delay the transaction(s) and/or
funds of the Customer included in the sanctions list, or if there is information
regarding the Customer and the beneficial owner on participation in
terrorist/extremist activities and proliferation of weapons of mass
destruction.
7.2.6.
Suspend the
Customer's operation (transaction) if there is information about participation
in the legalization (laundering) of criminal incomes in relation to the
Customer and/or the beneficial owner.
7.2.7.
Request the
appropriate documents necessary to perform the operations on the account,
confirming the legality and economic feasibility of the operation and the
validity of the Customer's real economic activity (invoices, issued to the
Customer, agreements, concluded by the Customer, contracts, customs
declarations, tax declarations, payment documents (for example invoices),
etc.). If the Customer refuses to provide the required documents, the Bank
shall have the right to refuse to carry out an operation on the Account.
7.2.8.
Write-off,
without further authorization (indisputably), the funds from the Customer’s
Account or other accounts of the Customer opened with the Bank without any
permissions or instructions for purposes of performance of state and/or
judicial authorities’ decisions in cases and in the manner provided for by the
legislation of the Kyrgyz Republic, or for purposes of repayment and
compensation of any and all amounts, the fees (according to the Bank’s
Tariffs), the Expenses of the Bank under this Agreement, or discharging any
obligations of the Customer to the Bank under other agreements, or in case the
Bank erroneously deposits the funds to the Customer’s Account or for another
reason without sufficient legal grounds. If the currency of the Account differs
from the currency of the debt, there shall be used the exchange rate,
established by the Bank/National Bank of the Kyrgyz Republic on the day when
transaction was made or on the day of receiving/crediting the funds.
7.2.9.
The Bank
shall be entitled to block the Customer's account in cases stipulated by the
legislation of the Kyrgyz Republic.
7.2.10.
The Bank
shall be entitled if there are no funds/movements on the Account within 6 (six)
calendar months to block the account until the receipt of the customer’s application
in the established standard form on account unblocking, or account unblocking
through “«KICB»” system;
7.2.11.
Unilaterally
amend the Tariffs, the list of provided services, notifying the Customer 10
(ten) business days prior to effectiveness of the relevant changes by placing
information in the premise of the Bank, its branches, representative offices,
on the site www.KICB.net. The Bank's tariffs, according to which services are provided under this
Agreement, are approved by the Bank's Management and are subject to periodic
review.
7.2.12.
Unilaterally introduce
amendments into the Agreement without the Customer’s consent, if there are
changes in the legislation of the Kyrgyz Republic, the regulatory documents of
the National Bank of the Kyrgyz Republic binding on the Bank and the Customer,
or other accounts of the Customer opened with the Bank.
7.2.13.
Exercise control over
the Customer’s operations in order to oppose legalization (laundering) of
criminal income and terrorism financing in accordance with the current
legislation of the Kyrgyz Republic and the regulatory documents of the National
Bank of the Kyrgyz Republic. Require the Customer to provide additional data
and documents, including data necessary to identify and verify the
beneficiaries for the Customer’s operations.
7.2.14.
Unilaterally suspend
service of the Customer in «KICB»/«KICB BUSINESS» in the events identified by
this Agreement.
7.2.15.
Amend the list of
services provided by the Bank, including the system «KICB»/«KICB BUSINESS», in
the manner prescribed by this Agreement.
7.2.16.
The Bank shall not be
liable for the authenticity of documents, as well as for any transactions in
the Customer's Account based on forged, falsified or illegal orders, when the
signature or stamp imprint in the order visually matches the specimen
signatures or stamp imprint on the bank card of the specimen signatures.
7.2.17.
If, within 3
(three) business days, the Customer does not provide the Bank with the
requested additional documents, including information about the counterparty,
in order to determine the economic feasibility and legality of the
transactions, as well as documents confirming the source of the Customer's
funds and the beneficial owner, the Bank shall be entitled to refuse the
Customer to carry out an operation on the Account as well as to terminate the
Agreement unilaterally in accordance with i. 8.2 of this Agreement.
Additional terms and
conditions of the Bank Payment Card Agreement:
7.2.18. Suspend the issue and/or service of the
Card at any stage, in the cases and in the manner specified in the Agreement.
7.2.19. Block the Card with subsequent
cancellation at your discretion in the following cases:
·
repeated cases of
Technical Overdraft;
·
in case of violation of
the Debt repayment terms;
·
failure of the Customer
to replenish the amount of the spent minimum balance;
·
failure of the Customer
to comply with the rules and requirements of payment systems and the Bank;
·
failure of the Customer
to fulfill obligations under the Agreement;
·
upon receipt of an
application from the Customer to cancel (close) the Card and terminate the
Agreement;
·
when debit transactions
on the Card account are suspended on the grounds provided for by the
legislation of the Kyrgyz Republic;
·
receipt by one of the
Parties of a notice of termination of the Agreement;
·
seizure, suspension of
transactions on the Card Account or other encumbrance of the Card Account in
accordance with the legislation of the Kyrgyz Republic;
·
upon receipt from the
Customer of an oral notification or application to block the Card due to loss,
theft and/or unauthorized use of the Card;
·
expiration of the Card;
·
termination of the
Agreement;
·
if the identity document
is expired.
The Card is blocked on the grounds specified in
this clause of the Agreement within the time limits independently determined by
the Bank.
7.2.20. In case of the Customer's insolvency,
file a claim in a court of general jurisdiction for reimbursement of the Debt
on the Customer's Cards and provide information about the Customer's financial
violations to the competent authorities in accordance with the current
legislation of the Kyrgyz Republic.
7.2.21. Unilaterally terminate the Agreement,
cancel the Card and not return the cost of paid commissions if the Customer
fails to appear at the Bank to receive the Card within more than 6 (six)
calendar months from the date of submission of the application.
7.2.22. Block money on the Card Account in the
amount of the Authorization for the Card Transaction until the Processing
Center receives documents confirming the fact of the Card Transaction. If
supporting documents are not received within 30 (thirty) calendar days, the
blocked amount is subject to unblocking.
7.2.23. Cancel Additional Cards issued under the
Card Account in case of cancellation of the Main Card and do not return the
retained commission for the annual service.
7.2.24. In order to reduce the risk of
Unauthorized Card Transactions, set restrictions and limits on Card
Transactions. The amount of restrictions and limits, as well as the conditions,
terms and procedure for their establishment, shall be determined by the Bank independently.
7.2.25. In case of incoming funds to the
Customer's Card Account in a currency other than the Card Account currency, the
Customer gives his/her unconditional consent to the exchange transaction
performed by the Bank at the Bank's commercial rate on the day the funds are
credited.
7.2.26. If within 90 (ninety) calendar days
after the card is withdrawn by the Bank's ATM, the Customer does not contact
the bank, the card is sent for destruction.
7.2.27. In case of blocking or termination of
the Card, debit from the Card account the amounts of funds for transactions
performed by the Customer within 30 (thirty) calendar days from the date of
return of the Card to the Bank, expiration of its validity period or the date
of blocking of the Card in case of its loss.
7.2.28. The Bank has the right to produce a Card
with an individual design or refuse to produce a Card with an individual design
based on its own discretion, or if the Customer uses images protected by
copyright and other rights of third parties.
8.
DURATION, AMENDMENT AND
TERMINATION OF THE AGREEMENT
8.1. The Agreement shall enter into force from the date of acceptance of this
Offer by the Customer.
8.2. The Bank shall have the right to terminate the Agreement unilaterally if
any of the following events occur:
·
the Customer
fails to submit the documents necessary to meet the requirements to opening of
the Account and conduct Account operations, to identify and verify the Customer
and beneficiary, and other measures of proper check of the Customer, carrying
out transactions on the account;
·
the Customer
has not submitted the relevant documents required for account operations,
confirming the economic feasibility of the operation and the validity of the
customer's real economic activity;
·
the Customer
submits inaccurate documents.
·
In relation to the
Customer, there is information about participation in the legalization of
proceeds from crime and/or terrorist activities, obtained in accordance with
the legislation of the Kyrgyz Republic.
8.3. The Parties hereby agree that simultaneous occurrence of any of the
following events shall be regarded as the Customer’s statement and desire to
terminate this Agreement and to close the Account:
·
no
operations are conducted with the Account of the Customer during 12 (twelve)
months from the date of entering into the Bank Account opening agreement or
from the date of the last Account operation (internal operations of the Bank on
fee withdrawal are not included into this list), close the
Account and the cards linked to it (if any) unilaterally, with mandatory
written notification to the Customer of its closure at least 1 (one) month
before the closure of the Account. At the same time, any balance of funds will
be accounted for in a separate consolidated account “Other Liabilities” with
mandatory non-systemic accounting for each Customer in accordance with the
legislation of the Kyrgyz Republic. In this case, the Account is closed without
receiving confirmation from the Customer after 1 (one) month from the date of
sending the Customer a notice of termination of this Agreement, if before this
moment the Customer has not received funds to the Account;
·
no statement
is received from the Customer with regard to his/her intention to conduct
operations with the Account;
8.4. In case of unilateral termination of this Agreement, it shall be deemed
terminated:
·
by the Bank
initiative- the Agreement shall be considered terminated upon expiration of 1
(one) month from the date the Bank sends the Customer a written notice of
termination of this Agreement or upon occurrence of the cases provided for in
item 8.2, 8.3 of this Agreement;
·
by the
Customer’s initiative- the Agreement shall be terminated from the date the
Customer submits the respective application, provided that the Customer has no
outstanding obligations or debts to the Bank;
8.5. Upon closing the Account, the Bank shall not return the documents, which
the Customer has submitted in the process of opening and managing the Account.
If there are some funds on the Account, the Bank shall dispose of them in the
manner prescribed by i. 8.3. of this Agreement.
8.6. This Agreement shall be not effective upon full performance of all its
obligations by the Parties.
8.7. In all other respects not covered by this Agreement, the Parties shall be
governed by the legislation of the Kyrgyz Republic.
8.8. Unless otherwise envisaged by this Agreement, amendments and modifications
shall be made by executing annexes/agreements signed by the Parties, which
constitute an integral part of this Agreement and/or by sending a written
notice and/or an electronic message to the Customer in the manner envisaged by
this Agreement.
8.9. The Parties shall be exempt from liability for full or partial
non-execution of obligations under this Agreement, if non-execution of the
obligations has been caused by the acts of God (force majeure): fire, natural
disasters, damage of transmission lines or communications, mass riots, acts of
war, terroristic acts, adoption of regulatory legal acts, issue of prescriptions,
orders or other administrative interference of the government, government
authorities influencing execution of the obligations by the Parties under this
Agreement and other circumstances beyond the reasonable control of the Parties.
8.10. Hereby the Parties recognize that any notifications, correspondence and so
on will be deemed delivered if they are sent to addresses specified in this
Agreement.
8.11. Hereby the Parties agree and recognize that any disputes arising out of or
connected with this Agreement shall be settled in the court according to
effective legislation of the Kyrgyz Republic.
8.12. This Agreement shall be valid until it is terminated and all accounts are
closed.
8.13. The Customer has the right to terminate this Agreement or close one or several
accounts at any time. Closing by the Customer of one or several accounts, if at
least one account remains open, does not entail the termination of this
Agreement.
9. RULES FOR
USE OF A BANK PAYMENT CARD
9.1. General provisions:
9.1.1. The card is a
means of payment for the goods (works and services) and receiving cash from the
Customer’s funds.
9.1.2. The Card shall
expire upon expiration of the last day of the month and year indicated on the
Card.
9.1.3. On the cards of
international payment systems: in case of Card transactions in a currency other
than the currency of the Card account, conversion is carried out taking into
account an exchange rate premium of up to 3% to the official rate of the
international payment system. In the Register of Transactions, the amount of a
completed Card transaction is reflected taking into account the exchange rate
premium on the date of the Card transaction using Cards.
9.2. Use of the Card in
the trade and service network:
9.2.1. When making a transaction
to pay for goods, works and services or receiving cash at a cash issue point
(hereinafter - CIP), a receipt is printed. The Customer must check the receipt
and, at the request of the CIP or trade and service network, sign it.
9.2.2. It is prohibited
to accept a POS terminal receipt that does not indicate the amount of the
purchase (service). When making purchases (especially in a restaurant), the
Customer should not allow the cashier (waiter) to take the Card out of the
Customer’s sight, and also should not use the Card twice at the POS terminal.
9.2.3. If an attempt to
pay through a POS terminal is unsuccessful and, as a result, a purchase is made
in cash, the Customer must save the receipt. In case of refusal to pay by Card
through the POS terminal due to poor connection, the Customer can repeat the
payment procedure in a few minutes (of course, if the Customer has firm
confidence in the availability of this amount of money on the Card account).
9.2.4. The Customer is
recommended to keep the first copies of receipts from POS terminals and use
them to calculate the balance of funds (payment limit) on the Card.
9.2.5. It is important
for the Customer to know that when paying for a car rent, a hotel or any other
service, the cost of the service may be blocked on the Card Account, and the
Customer will not be able to use this amount until it is unblocked.
9.2.6. Commissions for
transactions carried out using the Card are reflected in the Monthly Statement.
9.2.7. The Customer must
keep in mind that the organization accepting Cards for servicing has the right
to require the submission of a passport or other official document identifying
the Customer.
9.2.8. Documents
confirming the fact of a transaction using the Card are: a POS terminal
receipt, an ATM receipt, as well as another document received at the Bank’s
request from the Payment System. In case of discrepancies in the data in the
specified documents, the document received by the Bank from the Processing
Center will be the final and only document confirming the fact of the
transaction using the Card.
9.3. Rules for using the
ATM:
9.3.1. Using the Card,
the Customer can withdraw funds from an ATM. To do this, you need to place the
Card (hologram facing you and up) into the ATM reader or bring the card to the
contactless device on the ATM and carefully read the commands that appear on
the screen. The Customer can select the necessary commands to receive cash.
When entering a PIN code, the Customer must not allow others to see it. The
customer has only two attempts to enter an incorrect PIN. After the third
attempt, the Card is blocked and may be detained by the ATM.
9.3.2. The Customer
should be careful after the command “TAKE YOUR CARD” appears on the screen -
you must take the Card immediately, otherwise it will be detained by the ATM
(after 20 seconds).
9.3.3. When money
appears in the dispenser, the Customer must immediately pick it up, otherwise
after 20 seconds it will be detained by the ATM, then receive a receipt for the
amount of cash issued to the Customer.
9.3.4. If the Customer's
Card or money is detained by an ATM, then you must contact the Bank or contact
the organization that owns the ATM (phone numbers are usually displayed on the
front side of the ATM).
9.4. Security measures
when handling the Card:
9.4.1. The Customer must
remember that the Card, together with the code word and/or PIN code and/or
three-digit verification code (CVV2) (hereinafter referred to as the “Card”) is
the “key” to the Card account. The code word and/or PIN code and/or three-digit
verification code CVV2 must not be known to other persons. It is best for the
Customer to remember the code word, PIN code and take the necessary measures
not to disclose the three-digit CVV2 verification code to third parties. If this
is difficult to do, you need to write down the code word or PIN code in a place
inaccessible to unauthorized persons. Under no circumstances should you write a
code word or PIN code on the Card. Transactions using a code word and/or PIN
code and/or a three-digit verification code CVV2 are recognized as completed by
the Customer and are not subject to litigate.
9.4.2. The Customer must
keep the Card in a safe place and avoid leaving it in places where someone
could take it and copy its number and the Customer’s sample signature.
9.4.3. The Customer must
protect the Card from mechanical damage and from exposure to electromagnetic
fields (car alarms, mobile phones, computers, access frames at airports, banks,
shops, etc.) to avoid damage to the magnetic stripe.
9.4.4. The Customer must
keep documents on transactions made with the Card in order to resolve issues
regarding transactions made using the Cards.
9.4.5. In case of
detection of loss, theft or unauthorized use of the Card and/or its Details,
the Customer must immediately block the Card through the «KICB» system or block
the card through the Bank’s 24-hour Contact Center by phone: (+996) 312 620101.
9.4.6. In case of loss
of the Card and/or its Details, new Cards will be issued to the Customer based
on a request for re-issuance of the Card through the «KICB» system or a written
application from the Customer after payment of the cost of replacing the Cards
in accordance with the Bank’s Tariffs.
9.4.7. The Customer is
responsible for the consequences of untimely Blocking of the Card through the
«KICB» system or contacting the Bank with a request to Block the Card.
9.4.8. Trade and service
enterprises that serve customers via the Internet, remotely, by telephone, or
by mail (MOTO) may require the entry of a three-digit verification code (CVV2),
which is printed on the back of the card. This three-digit code is unique and
is similar to the PIN code entered when paying for services or goods without
physically submitting the card.
9.4.9. If the Customer
damaged the surface of the PIN envelope before opening it, the PIN code on the
envelope was erased, or the Customer forgot the PIN code, then the Customer
must change the PIN code through the «KICB» system or come to the Bank with a
passport to restore the PIN code.
10. RULES FOR PROVISION AND USE OF THE INTERNET
BANKING SYSTEM «KICB»/«KICB BUSINESS»
10.1. General
provisions:
10.1.1. The Customer is
connected to the «KICB» system from the moment of signing and submitting an
Application for service in the «KICB» system or through remote registration if
he/she has a current Bank card.
10.1.2. The Agreement
shall determine the procedure and conditions for the Bank to provide the
Customer with remote access to his Account via the Internet using the «KICB»
system, and also regulates the relationship between the Customer and the Bank
arising under this Agreement.
10.1.3. The Customer is
familiar with and undertakes to comply with the security requirements when
providing Remote Banking Services provided for in this Agreement and the
security recommendations posted in the «KICB» system.
10.1.4. When the
Customer logs into the «KICB» system and before starting service, the Customer
must familiarize himself with the current version of this Agreement posted on
the Bank’s website www.KICB.net.
10.1.5. By connecting to
the «KICB» system, the Customer agrees to banking services via the Internet,
realizing that the Internet is not a secure communication channel and the
Customer who has joined this Agreement assumes all risks:
·
arising as a result of
the use of such a communication channel, including those related to the
possible access of third parties to the Customer’s Authorization Data and the
performance by a third party, who has become aware of the Customer’s
Authorization Data, of debit and other transactions on the Customer’s
Account(s) and other actions to manage the Customer(s)’s Account;
·
related to the
connection of its technical means to the Internet and independently ensures the
protection of its own technical means from unauthorized access and malicious
software;
·
and assumes all possible
losses, losses, damages, etc. arising from the use of Remote Banking services
via the Internet, including as a result of fraudulent, hacker, virus attacks
from the Internet and the Customer hereby guarantees that will not make any
claims against the Bank, will not file any claims against the Bank in such
cases, since the Bank previously and fully informed the Customer about the
possible risks. The Customer hereby acknowledges and confirms that he himself
is the initiator of providing him with the technical ability to manage the
Account(s), manage funds on the Account(s) and carry out payments and
Transactions using Remote Banking services, as well as that he releases the
Bank from any liability, and the Bank, accordingly, does not bear any liability
to him for any consequences that may arise for the Customer in the event of
third parties intercepting control of the Customer’s personal computer, mobile
phone, theft of Authorization data or the Customer’s failure to comply with
security procedures.
10.1.6. The Customer has
the right to refuse to use the «KICB» system by submitting an appropriate
application to the Bank, provided that there are no controversial Operations, debts
for payment for services of the Bank and third banks involved in the Customer’s
Operations, other unfulfilled obligations to the Bank and any other claims of
the Bank related to Remote banking services for the Customer and his/her
Accounts.
10.1.7. Requests for
blocking access to the «KICB» system, received by the Bank in the manner
established by this Agreement, are recognized by the Parties as coming from the
Customer and claims for the consequences of blocking by the Bank are not
accepted, to which the Customer expresses his/her unconditional consent.
10.2. The procedure for
providing access and use of the «KICB» system:
10.2.1. The right to use
the «KICB» system is granted by the Bank only to the Customer personally or to
the Customer’s Authorized Persons.
10.2.2. Initially, the
Password is generated by the Bank when connecting to the «KICB» system; after
successful Authentication, the Customer can change the Password an unlimited
number of times at his own discretion, subject to compliance with password
requirements.
10.2.3. The OTP code can
be sent to the Customer’s mobile phone via SMS message or can be generated
using the Google Authenticator mobile application or Token.
10.2.4. The method of
obtaining an OTP code is selected by the Customer at the time of submitting an
Application for service in the «KICB» system to the Bank, and can subsequently
be changed at the Customer’s request.
10.2.5. The Customer's
access to the «KICB» system is carried out via the Internet using a web browser
and mobile application. It is mandatory to use the most current versions of web
browsers. The application is supported only by the following mobile operating
systems: iOS and Android.
10.2.6. All actions in
the «KICB» system, both to obtain information and to carry out Transactions,
performed within the Authorized work session, are unconditionally and
unconditionally recognized by the Parties as performed personally by the
Customer or his Authorized Person and the Customer bears full financial
responsibility for such Transactions.
10.2.7. The Customer is
obliged to treat Transactions through the «KICB» system with due caution, as
well as take reasonable measures to reduce the likelihood of unintentional or
accidental Transactions.
10.3. Basic requirements
for maintaining security and confidentiality:
10.3.1. This section
defines the rules mandatory for compliance by the Customer in order to ensure
the required level of security when using the «KICB» system, and also includes
a list of measures to ensure the confidentiality of Customer data and
Operations performed by the Customer.
10.3.2. The Bank
executes, and the Customer acknowledges the Bank's right to store in the Bank's
database all events and actions performed within the Authorized work session.
10.3.3. On the part of
the Bank, information security requirements during use of the «KICB» system by
the Customer are ensured by taking the following measures:
·
mandatory assignment of
a unique Login to each Customer;
·
mandatory generation of
the Password in ways that exclude the possibility of access to information
about the Password for any third parties;
·
setting password
complexity requirements;
·
limiting the number of
attempts to enter the Password if it is incorrect;
·
limit on the number of
attempts to enter a PIN code if it is incorrect;
·
mandatory entry of an
OTP code when performing certain types of transactions, as well as in the case
of Authentication in the web version;
·
use of the Customer's
Biometric Data as Authorization Data for a mobile application, if such
functionality is supported by the Customer's device;
·
setting a time limit for
the validity of the OTP code;
·
there will be a failure
in the functioning of the «KICB» system mobile application on the Customer’s
mobile device (mobile phone and/or other device that allows the use of the
Bank’s application) when the «KICB» system application on the device determines
full access rights to the operating system and all functions of the mobile
device, which resulted in removing restrictions from the manufacturer or
telecom operator for manipulating system applications and the ability to run
applications that require administrator rights (root and/or jailbreak);
·
other methods
established by the Bank as ways to increase the level of information security
of the «KICB» system.
10.3.4. On the part of the Customer, the mandatory measures to ensure
information security when the Customer uses the KICB system are the following:
·
The Customer must keep
the Login, Password, OTP code, PIN code “KICB” secret. Transfer of
Authorization Data to third parties, orally or in writing, is strictly
prohibited;
·
The Customer should
change the Password on a regular basis;
·
If the Customer has the
slightest suspicion or identified facts indicating:
o
access of third parties
to the Customer’s Authorization Data;
o
access of third parties
to the KICB system on behalf of the Customer;
o
the loss (theft) of a
mobile phone and/or SIM card to which the mobile phone number is linked,
provided by the Customer to the Bank for the purpose of receiving SMS messages
with OTP codes;
o
loss (theft) of the
Token;
o
attempts of unauthorized
access to the Customer’s Account using the KICB system;
The Customer is obliged to immediately notify the Bank of this either by
means of a written statement or by telephone, subject to the Customer
indicating a code word or other supporting data (the list of identification
data is established by the Bank), followed by written confirmation of this
requirement within 5 (five) calendar days (application on paper signed and
sealed (if available) by the Customer). If the Customer is unable to provide
the above written confirmation within 5 (five) calendar days, then this period
may be changed by agreement with the Bank;
·
The Customer undertakes
not to allow the loading of resident programs on the devices used to log into
the «KICB» system that allow uncontrolled access to information storage devices
and input/output devices;
·
The Customer undertakes
to use anti-virus software on the devices used to log into the «KICB» system,
keep the anti-virus software databases up to date, regularly install security
updates released by the developers of the operating systems and web browsers
used;
·
The Customer undertakes
not to use the Bank application on mobile devices (mobile phone and/or other
device that allows the use of the Bank application) that were subject to the
process of gaining full access to the operating system and all functions of the
mobile device, which entailed the removal of restrictions from the manufacturer
or telecom operator for manipulation system applications and provided the
ability to run applications that require administrator rights (root and/or
jailbreak).
10.3.5. The Bank shall not send messages or make telephone calls to the
Customer with a request to provide all or part of the Authorization Data. The
Customer, in turn, undertakes not to respond to incoming oral telephone calls
or written requests asking for all or part of the Authorization Data. If the
Customer receives such requests, he/she is obliged to leave it without
execution/response and notify the Bank of this fact as soon as possible.
10.3.6. Access to and use of the «KICB» system, including performing any
Transactions, as well as viewing information, is permitted exclusively to
registered Customers. Transfer by the Customer of his/her Authorization Data to
third parties is prohibited and is a direct violation of this Agreement. The
Customer bears full responsibility for the consequences of transferring his
Authorization data to third parties. If it is discovered that the Customer has
transferred his/her Authorization Data to third parties, the Bank has the
right, at its discretion, to temporarily suspend the Customer’s access to the
«KICB» system or unilaterally, out of court, completely stop providing the
Customer with Remote Banking services.
10.3.7. The Bank has the right, without notifying the Customer, to
temporarily suspend or limit the Customer’s access to the KICB system, refuse
to provide the Customer with or resume access to the KICB system if the Bank
has sufficient grounds to believe that an attempt of unauthorized access to the
KICB system on behalf of the Customer is possible.
10.3.8. The Bank has the right, if it is established that the Customer has
violated this Agreement, to suspend the Customer’s access to the «KICB» system
by blocking his/her account.
10.3.9. The Customer is informed and is fully aware that the transfer of
Confidential Information via the Internet entails the risk of unauthorized
access to such information by third parties. By connecting to the «KICB»
system, the Customer agrees to banking services via the Internet, realizing
that the Internet is not a secure channel of communication and information
transfer, as well as all risks associated with a possible violation of
confidentiality and other risks arising from the use of such communication
channel.
10.3.10. The Customer understands that when using the «KICB» system, there
is a risk of third parties gaining unauthorized access to the Customer’s
accounts, as well as information on Transactions. Unauthorized access becomes
possible due to the interception by third parties of control of the Customer’s
personal computer, mobile phone, and theft of Authorization data.
10.3.11. The Customer undertakes to fully comply with the requirements of
this Agreement, as well as take all necessary measures for the security and
protection of information and documents exchanged within the «KICB» system.
10.3.12. The Customer is obliged, independently and at his/her own expense,
to ensure the connection of his/her technical means (personal computer, mobile
device and other means) to the Internet, as well as to ensure the protection of
his/her own technical means from unauthorized access and malicious software.
10.3.13. If the Customer violates the rules for the safe use of Remote
Banking services specified in this Agreement, as well as in cases of fraudulent
transactions, hacker, virus attacks from the Internet, the Bank is not
responsible for Operations performed on the Customer’s Account.
10.4. Performing operations:
10.4.1. The parties recognize Bishkek time (UTC+6) as a single time scale
when working with the «KICB» system.
10.4.2. The Bank has the right to notify the Customer about potentially
important information for the Customer by SMS messages, e-mail newsletters,
Push notifications: about the status of the Account, about the movement of
funds on the Account, with a reminder about debt on loans, about new services
of the Bank, etc.
10.4.3. The Bank has the right to change the list of services provided
through the «KICB» system. If the Bank changes the list of services
provided by the Bank through the «KICB» system, the Bank notifies the Customer
by sending Push notifications in the KICB system and/or an information message
sent to the Customer’s email address in the manner prescribed by this
Agreement. The Customer has the right to use or refuse these services at his
own discretion.
10.4.4. Transfers of funds in a currency other than the Account currency
(if the currency of funds on the Account and the currency of the transferred
funds differ) are carried out at the currency exchange rate established by the
Bank at the time of the Transaction.
10.4.5. The Parties acknowledge that electronic payment documents (Customer
Orders) executed in the KICB system are considered to originate from the
Customer and are legally equivalent to payment documents received by the Bank
from the Customer on paper, drawn up in accordance with the regulatory legal
acts of the Kyrgyz Republic and personally signed by the Customer.
10.4.6. The Bank has the right to introduce permanent or temporary
restrictions on the performance of Transactions through the «KICB» system. The Bank shall inform the Customer about the presence of
restrictions by:
·
posting documents and
information on the Bank's website;
·
sending push
notifications in your Personal Account;
·
in other ways at the
discretion of the Bank, allowing the Customer to obtain information and
establish that it comes from the Bank.
10.4.7. The Bank has the right to refuse to execute the Customer’s Order:
·
if there are
insufficient funds on the relevant Customer’s Account to carry out this
Operation, taking into account the commission (if any) for its execution;
·
if there is a suspicion
of a security violation when using the “KICB” system, including if the Bank has
reason to believe that the execution of the Order may result in financial
losses for the Bank or the Customer;
·
if the Transaction
amount exceeds the limit(s) for Transactions through the “KICB” system or does not comply with the
restrictions established by the Bank's Tariffs;
·
if acceptance of the
Order is impossible without the Customer providing additional documents
required in accordance with the legislation of the Kyrgyz Republic;
·
if the execution of the
Order entails a violation of the current legislation of the Kyrgyz Republic,
regulations of the National Bank of the Kyrgyz Republic, this Agreement, as
well as the terms of other agreements (agreements) concluded between the
Customer and the Bank;
·
if the Customer's
Account has been seized;
·
in other cases provided
for by the agreement concluded between the Bank and the Customer, and/or the
legislation of the Kyrgyz Republic.
10.4.8. The Customer
shall agree that the use of his/her Authorization Data is appropriate and
sufficient to establish his/her identity and confirm the right to conduct
Transactions on his/her Accounts.
10.4.9. Bank commission
paid by the Customer in a currency other than the debit currency is carried out
at the currency exchange rate established by the Bank at the time of the
Transaction.
10.5. Rights and
obligations of the parties:
10.5.1. The Bank
undertakes:
·
to execute Customer
Orders created during an Authorized work session on behalf and at the expense
of the Customer;
·
to provide technical
support and maintenance of the “KICB” system;
·
in the event of
technical problems arising while using the “KICB” system, take all possible
actions to eliminate them within a reasonable time, while the Customer does not
have the right to make claims to the Bank and during the period of eliminating
technical problems must carry out Operations in the usual way using paper
media, or apply an alternative method of transmitting Customer’s Orders to the
Bank;
·
to notify the Customer
about changes in the operation of the “KICB” system in the manner provided for
in this Agreement;
·
to block access to the
“KICB” system upon written application from the Customer (applicable only to
legal entities). The Customer's oral application for blocking is accepted by
the Bank upon proper identification of the Customer - the Customer communicates
the code word or other identification data (applicable for individuals);
·
to monitor the security
of your own systems and take all possible measures to prevent system hacking
and other external threats and attacks;
·
to bear other
obligations provided for in this Agreement.
10.5.2. The bank has the right:
·
at its discretion,
temporarily suspend or limit the Customer’s access to the «KICB» system or
refuse the Customer to provide or resume access to the «KICB» system, or refuse
to carry out specific Operations, or unilaterally out of court completely stop
or temporarily suspend the provision of Remote Services to the Customer banking
services:
·
when identifying the Customer’s
actions that clearly indicate the presence of malicious intent with the aim of
causing damage to the Bank;
·
in case of detection of
facts of violation by the Customer of the security rules and conditions of use
of the «KICB» system set out in this Agreement, as well as the current
legislation of the Kyrgyz Republic;
·
if the Customer has an
unpaid debt to the Bank, including overdue loans;
·
in case of insufficient
funds on any Account to pay the cost of services using the «KICB» system;
·
if the Customer violates
the terms of this Agreement;
·
in case of technical
malfunctions when working with the «KICB» system;
·
when changing software
and carrying out maintenance work;
·
if a controversial
situation arises related to servicing the Customer at the Bank, until the
dispute is resolved;
·
in other cases provided
for by this Agreement and the legislation of the Kyrgyz Republic;
·
unilaterally set and
change limits on transactions through the «KICB» system, establish technical
and other restrictions, as well as implement other mechanisms that reduce the
risks of the Customer and the Bank arising when using the «KICB» system,
including taking additional organizational and technical measures to increase
the level of security when providing Remote Banking services;
·
immediately cancel the
Customer’s access to the «KICB» system in case of closure of the Customer’s
Account(s) with the Bank;
·
if necessary, request
from the Customer the execution of the Customer's Order on paper with the
signature of the manager/Authorized persons and the Customer's seal (if any)
for the implementation of the service/operation no later than the next business
day by sending a written message to the Customer or by information message sent
to Personal Account. In this case, the Bank will not execute the Customer’s
Order until it receives the document on paper;
·
to disconnect the
Customer from the “KICB” system if there is a debt
to the Bank for more than 3 (three) months for maintaining a current account in
the “KICB” system. To reconnect the Customer to the “KICB” system, the Customer
will have to pay a connection fee in accordance with the Bank’s Tariffs;
·
when the Customer’s
passport expires, transfer the Customer’s access in the “KICB” system to “View
Mode” until the Customer provides a valid passport to the Bank;
·
upon expiration of the
Customer’s power of attorney, close the Customer’s access to the “KICB” system;
·
set a default account if
the Customer has not independently set a default account;
·
exercise other rights
provided for in this Agreement.
10.5.3. The Customer undertakes:
·
to be responsible for
keeping confidential (not transfer/disclose) Authorization data to third
parties. Ensure that Authorization Data is stored in a manner that prevents
unauthorized access by unauthorized persons. If the Customer has the slightest
suspicion or identified facts indicating the above, the Customer is obliged to
immediately notify the Bank about this, either by means of a written statement
or by telephone, provided that the Customer indicates a code word or other
supporting data (the list of identification data is established by the Bank),
with followed by written confirmation of this requirement within 5 (five)
calendar days (application on paper signed and sealed (if any) by the
Customer). If the Customer is unable to provide the above written confirmation
within 5 (five) calendar days, then this period may be changed by agreement
with the Bank;
·
in case of changing the
mobile phone number provided by the Customer to the Bank for the purpose of
receiving SMS messages with OTP codes, it is mandatory to notify the Bank in
writing;
·
to check the status of
Operations after sending the Customer's Orders to the Bank;
·
at the request of the
Bank, no later than 5 (five) calendar days (from the date of receipt of such a
request) provide to the Bank all payment documents processed using the “KICB”
system on paper, certified by the Customer and sealed by the Customer (if any);
·
to bear other
obligations provided for in this Agreement.
10.5.4. The Customer has
the right:
·
to use the full range of
services of the “KICB” system under the conditions provided for in this
Agreement;
·
to receive advice from
the Bank on issues of connecting and using the “KICB” system;
·
to install and change
Authorization data for using the “KICB” system on a regular basis;
·
to exercise other rights
provided for in this Agreement.
10.6. Final provisions:
10.6.1. The Bank shall take all possible measures to resolve the dispute
that has arisen within the framework of using the “KICB” system and notifies
the Customer of the results.
10.6.2. The Customer shall be responsible for the device used to connect to
the “KICB” system, for using only licensed software with the latest updates
installed, as well as licensed anti-virus software with current anti-virus
databases on the device used.
10.6.3. The Customer shall be responsible for losses incurred by the Bank
as a result of the execution of Orders submitted to the Bank on behalf of the
Customer by an unauthorized person.
10.6.4. The Customer expresses his/her unconditional agreement that the
Bank is not responsible for:
·
for errors, delays or
the inability of the Customer to gain access to the KICB system associated with
a malfunction of the Customer’s equipment (WI-fi router/modem, etc.) or
communication channels, technical means, other resources and services with the
help of which service in the “KICB” system provided by a third party (providers
of Internet access, communications, etc.);
·
for damage to the
Customer’s equipment, for the safety of the Customer’s software and personal
computer from various viruses and other damage, for the safety of the
Customer’s mobile phone and other devices from various viruses and other
damage;
·
for the consequences of
the Customer’s untimely notification of the Bank about the loss (theft) of the
Login and/or password, mobile phone/SIM card to which the mobile phone number
is linked, communicated by the Customer to the Bank for the purpose of
receiving SMS messages with OTP codes, Token, or incorrectly performed Operations
and attempts of unauthorized access to the Customer’s Account using the “KICB”
system. Any losses and liability resulting from such actions are borne by the
Customer;
·
for failure to execute
payment orders of the Customer in the “KICB” system, if the order was not
provided in full (incorrect) format and/or included information that
contradicts the current legislation of the Kyrgyz Republic;
·
for damage resulting
from the Customer’s disclosure of Authorization Data, the Customer’s failure to
ensure their confidentiality, or the Customer’s failure to take measures to
keep them secret from third parties, or transfer them to third parties,
regardless of the reasons;
·
for the Customer's
losses caused by the Bank's execution of Orders to carry out Transactions from
unauthorized persons, made as a result of access to the “KICB” system by third
parties, in cases where such access occurred in a situation not subject to or
beyond the control of the Bank (compromise Customer logins and passwords);
·
for the Customer’s losses
caused by the Bank’s execution of Orders to carry out Operations from
unauthorized persons, made as a result of the use by third parties of the
Customer’s Authorization Data, including those obtained by illegal methods,
violation of the confidentiality of the Customer’s Authorization Data,
including those caused by information leakage directly from the Customer’s
device, used to access the “KICB” system, malicious actions of software
installed on the device used by the Customer to access the “KICB” system,
fraudulent, hacker, virus attacks from the Internet;
·
for the Customer's
losses caused by the Bank's execution of Orders for Transactions from
unauthorized persons received by the Bank as a result of access and use of the
“KICB” system by third parties, if this was not the fault of the Bank;
·
for the impossibility of
providing the “KICB” system, if this occurred due to force majeure
circumstances beyond the control of the Bank, including, but not limited to,
failures in the provision of communications on the side of Internet providers;
·
for the Customer’s
inability to use a mobile phone due to breakdown and/or loss/theft of the SIM
card, for the malicious action of the software installed on the Customer’s
mobile phone, resulting in the compromise of OTP codes, for damage resulting
from unauthorized use of by third parties Customer’s OTP codes;
·
in the event that
information transmitted when using the “KICB” system, including about Accounts,
becomes known to third parties as a result of listening or interception of
communication channels during their use, as a result of third parties’ access
to information during transmission through communication channels, used by the
Customer, as well as in case of dishonest fulfillment by the Customer of the
conditions for storing and using funds for Authentication;
·
for the quality of
delivery of SMS messages to the Customer’s mobile phone, for the delivery and
speed of transmission of SMS messages and does not guarantee the preservation
of the confidentiality and integrity of information transmitted in the form of
SMS messages. The Bank is not responsible for failures, accidents and overloads
in the operation of mobile/mobile radiotelephone networks, failures and delays
in the work of mobile radiotelephone operators, problems with the Customer's
use of mobile/mobile radiotelephone communications in roaming, that is, outside
the mobile operator's communication network mobile radiotelephone
communications;
·
in case of arbitrary or
intentional interference of third parties in the private affairs of the
Customer (including those relating to the civil legal relations of the Customer
with the Bank), carried out through dishonest use by a third party of the means
of communication and contact information of the Customer, communicated by the
Customer to the Bank. The Bank is not responsible for the transfer by the
Customer of a mobile phone (SIM card) to third parties, the illegal production
by third parties of a duplicate of the Customer’s mobile phone and/or SIM card
and the use of this SIM card without the knowledge and consent of the Customer;
·
if the Customer fails to
receive information sent by the Bank to the Customer in the cases established
by this Agreement, if the contact information transferred to the Bank by the
Customer has become irrelevant, information about which was not communicated by
the Customer to the Bank in a timely manner and in the manner established by
the Bank. The Bank is not responsible for non-execution, untimely or incorrect
execution of Orders and/or carrying out the Customer Authentication procedure
if this was caused by the Customer providing false information, loss of
relevance of information previously provided by the Customer and used when
registering and fulfilling by the Bank its obligations within the framework of
the OTP mailing. codes or the Customer entering incorrect data. The Customer is
responsible for the accuracy and relevance of all information provided to the
Bank;
·
or failure to execute
the Customer's Orders using the “KICB” system, if the Customer's Account was
seized or Operations on it were suspended in accordance with the current
legislation of the Kyrgyz Republic, as well as in other cases provided for by
the legislation of the Kyrgyz Republic;
·
for losses incurred by
the Customer as a result of the Bank’s execution of the Customer’s Order drawn
up by the Customer with errors and/or typos in the information contained in the
fields of the document, as well as in the event of the Customer’s payment being
returned by the recipient;
·
for the execution of
Orders erroneously transmitted by the Customer;
·
for non-execution,
untimely or incorrect execution of the Order, if this was caused by the
Customer providing false information, the loss of relevance of the information
previously provided by the Customer and used during the Customer Authorization,
or the Customer entering incorrect data;
·
for failure to execute
the Customer's Order, if its execution would lead to a violation of the
requirements of the current legislation of the Kyrgyz Republic, this Agreement,
as well as the terms of other agreements (contracts) concluded between the
Customer and the Bank.
10.6.5. Seizure of the Account or suspension of operations on the
Customer's Account at the request of authorized law enforcement/government
bodies in cases provided for by the legislation of the Kyrgyz Republic blocks
the operation of the “KICB” system until the restrictions are lifted.
10.6.6. The Customer can be disconnected from the “KICB” system at his/her
own request within 5 (five) business days after submitting a corresponding
written application to the Bank.
10.6.7. If the Customer is disconnected from the “KICB” system at his own
request or at the initiative of the Bank (as a result of
non-compliance/violation of this Agreement; in cases provided for by law), the
Bank blocks the Customer’s ability to use the “KICB” system.
10.6.8. In all other respects that are not provided for in this Agreement,
the Parties are guided by the requirements of the legislation of the Kyrgyz
Republic.
11. LIABILITY OF THE
PARTIES
11.1. For failure to fulfill or improper fulfillment of obligations under
the Agreement, the Parties are liable in accordance with the Agreement and the
current legislation of the Kyrgyz Republic.
11.2. The Bank is responsible for:
·
disclosure of bank
secrecy in accordance with the current legislation of the Kyrgyz Republic;
·
an erroneous transaction
on the Account due to the fault of the Bank. The Bank's liability in this case
is limited to canceling the erroneously performed transaction.
11.3. The Bank is not liable for:
·
refusal of a third party
to service the Card;
·
quality of goods and
services purchased using the Card;
·
limits, restrictions and
additional rewards (interests) on the Card, established by a third party, which
may affect the interests of the Customer;
·
consequences of the
Customer’s untimely application to the Bank with a request to Block a
lost/stolen Card;
·
for transactions made
before the Card was blocked, in case of loss, theft or other illegal use of the
Card - Blocking must be carried out in accordance with clause 6.1.16. actual
agreement;
·
for transactions made
before the Card was blocked, for which settlement occurs after the Card is
blocked;
·
situations related to
failures in the operation of systems that provide reception, processing and
transmission of data on transactions made using the Card;
·
for possible negative
consequences of access to any transactions via the Internet and MOTO,
including, but not limited to: the risk of unauthorized transactions by third
parties using a bank payment card via the Internet and MOTO;
·
settlement of disputes
and disagreements between the Customer and the Additional Card holder;
·
for damage incurred as a
result of the Customer’s loss/disclosure of the Card, passwords, access codes;
·
for offline transactions
carried out on the Card account within the established limits;
·
for contactless
transactions carried out by the Customer, within the established limits;
·
for any actions of the
Customer, including account transactions in third-party mobile applications and
electronic wallets;
·
for delays in transfers
of funds to the Customer's Account that arose due to the fault of correspondent
banks.
11.4. The Customer is liable for:
·
failure to timely
contact the Bank with a request to block a lost/stolen Card;
·
failure to return to the
Bank funds erroneously credited to the Card Account in accordance with the
current legislation of the Kyrgyz Republic and the Agreement;
·
for an unauthorized
payment by a third party in the amount of the unauthorized payment, taking into
account the Bank's commissions;
·
completed Card
transactions, including those made by third parties using the Card, its
analogue or Card details;
·
violation of the terms
of the Agreement by the Customer;
·
for possible negative
consequences of access to any transactions via the Internet and MOTO,
including, but not limited to: the risk of unauthorized transactions by third
parties using a bank payment card via the Internet and MOTO;
·
for making a payment, if
the Customer or the holder of the Additional Card, due to non-fulfillment or
improper fulfillment of obligations for the safety of the Card, has
declassified the code word and/or PIN code and/or three-digit secret code
(CVV2) (hereinafter referred to as PIN code and/or CVV 2 – “Card Details”) and
did not take all possible measures to prevent access to card details by third
parties, regardless of the territory of the transaction.
11.5. The Bank is not obliged to prove the Customer’s action to disclose
the Details, passwords, or access codes to the Card. Any authorized
transactions made using passwords, PIN codes, etc. will be considered as
committed personally by the Customer.
11.6. The Parties shall be released from liability for partial or complete
failure to fulfill obligations if it was the result of force majeure
circumstances: fire, flood, earthquake, power failure and other circumstances
beyond the control of the Parties, failure of equipment, failure of software,
power supply and data transmission systems, as well as in cases of adoption by
the National Bank of the Kyrgyz Republic, authorized bodies of the Kyrgyz
Republic of decisions, resolutions, determinations in relation to the Parties,
and therefore it will be impossible to fulfill obligations under the Agreement
in a timely manner and on time, provided that the Party that was thus prevented
from fulfilling obligations Agreement, has made reasonable efforts to mitigate
the impact of these circumstances, and will continue to make every effort to
comply with the terms of the Agreement to the fullest extent possible.
11.7. Card transactions carried out in a contactless manner are recognized
as completed by the Customer and are not subject to challenge due to fraud or unauthorized
access to the Card.
12. SETTLEMENT OF DISPUTES
12.1. All disputes and disagreements arising during the execution of the
Agreement will, if possible, be resolved through negotiations between the
Parties. If necessary, to resolve a dispute, the Bank may involve various
specialists and experts (both those who are and are not employees of the Bank)
who have the necessary experience and knowledge in the relevant field.
12.2. The Parties hereby determine that if it is impossible to resolve
disagreements through negotiations, any disputes arising and/or related to the
Agreement, including disputes relating to the conclusion, violation,
termination, termination or invalidity of the Agreement, shall be resolved in
accordance with the legislation of the Kyrgyz Republic.
12.3. The parties agree to accept data on transactions
on electronic media as evidence when resolving disputes.
12.4. Written notices are considered received by the other Party if they
are delivered to it against receipt or sent by registered mail with
notification to the address specified in the Application for opening an
account.
12.5. All changes and additions to the Agreement are valid when made in
writing and signed by both Parties.
13.
BANK DETAILDS
CJSC «Kyrgyz Investment and Credit Bank»
Registered
address: Erkindik ave. 21, Bishkek, Kyrgyz Republic
ITN
01901200110066
OKPO
22724193
c/a:
1280015000006195 in KICB
BIK 128001
DCMT 999
14.
CONTACT INFORMATION OF THE
BANK
+ 996 (312) 620101
+ 996 (553) 620101
+ 996 (774) 620101
WhatsApp + 996 (704)
620101
E-mail: [email protected]
The Customer
confirms that he/she has familiarized will all terms of the Agreements, its
Annexes and agrees that the Bank will provide the services specified therein.
The following Annexes are integral part of this
Agreement:
Annex №1. Conversion scheme
Annex №2. Power of attorney for legal entities to receive bank cards and envelopes
with PIN codes;
Annex
№3. Application-Questionnaire of the Customer for opening an Account;
ANNEX №1
TO PUBLIC OFFER FOR
CONCLUSION OF AGREEMENT OF BANK ACCOUNT OPENING AND MAINTENANCE IN NATIONAL AND
FOREIGN CURRENCY
Scheme for
converting from one currency to another, provided
various conversion options when the cardholder conducts transactions in a
currency other than the currency of the cardholder’s bank account
|
Card account currency
|
Card type
|
Transaction currency
|
Transaction type
|
Exchange
rate on the actual transaction date
|
Exchange
rate on the final settlement date for the operation
|
Transaction processing period4
|
|
KGS 5
|
Visa, UPI,
Mastercard
|
All currencies
|
In the devices of the Bank
|
Bank rate
|
Bank rate
|
up to 8 calendar days
|
|
Inside the Kyrgyz Republic
(in the network of the IPC1 )
|
Average rate of IPC2
|
Average exchange rate
|
|
Visa, UPI
|
All currencies
|
Outside the Kyrgyz
Republic, inside the Kyrgyz Republic (outside the IMC network), settlements
are made with USD
|
Visa/UPI+OIF 3 rate
when converted into USD
2. Bank rate when converted into card account currency
|
1. Visa/UPI+OIF rate when
converted into USD
2. Bank rate when converted into card account currency
|
|
USD
|
Bank rate
|
Bank rate
|
|
Mastercard
|
All currencies
|
Outside the Kyrgyz
Republic, inside the Kyrgyz Republic (outside the IMC network), settlements
are made with Euro
|
1. Mastercard exchange
rate when converting to Euro
2. Bank exchange rate when converting to card account currency
|
1. Mastercard exchange
rate when converting to Euro
2. Bank exchange rate when converting to card account currency
|
|
Euro
|
Bank rate
|
Bank rate
|
|
Elkart
|
Russian ruble
|
Operations in NSPC MIR
devices
|
NSPC MIR rate
|
NSPC MIR rate
|
|
USD 6
|
Visa, UPI,
Mastercard
|
All currencies
|
In the Bank devices
|
Bank rate
|
Bank rate
|
|
Inside the Kyrgyz Republic
(in the IPC network)
|
Average IPC rate
|
Average IPC rate
|
|
Visa,
Mastercard
|
KGS
|
Inside the Kyrgyz Republic
(except for Banks that do not support the system of settlements in the
national currency, outside the network of the IPC)
|
Bank rate
|
Bank rate
|
|
Visa/UPI
|
All currencies
|
Outside the Kyrgyz
Republic, Inside the Kyrgyz Republic (outside the IPC network), settlements
are made with USD
|
Visa/UPI+OIF rate
|
Visa/UPI+OIF rate
|
|
Mastercard
|
All currencies
|
Outside the Kyrgyz
Republic, Inside the Kyrgyz Republic (outside the IPC network), settlements
are made with Euro
|
1. Mastercard rate when
converting to Euro
2. Bank rate when converting to card account currency
|
1. Mastercard rate when
converting to Euro
2. Bank rate when converting to card account currency
|
|
Euro
|
Bank rate
|
Bank rate
|
|
Euro
|
Mastercard
|
All currencies
|
In the Bank devices
|
Bank rate
|
Bank rate
|
|
KGS
|
Within the Kyrgyz Republic (except for Banks
that do not support the system of settlements in the national currency,
outside the network of the MPC)
|
Bank rate
|
Bank rate
|
|
All currencies
|
Inside the Kyrgyz Republic
(in the IPC network)
|
Average IPC rate
|
Average IPC rate
|
|
All currencies
|
Outside the Kyrgyz
Republic, Inside the Kyrgyz Republic (outside the IPC1 network), settlements
are made with Euro
|
Mastercard rate
|
Mastercard rate
|
1 Banks that are process
in the IPC (Interbank Processing Center- Bank processing), the list must be
checked with the IPC;
2 IPC average rate - the
deduced average exchange rate provided by the Banks, which are processed in the
IPC by international payment cards;
3 OIF - exchange charge
of the Bank (today it is applied only for Visa cards 1.25%);
4 The terms for
processing transactions are set by payment systems and depend on the Bank that
serves someone else's device.
Conversion examples:
1.
Card account: KGS
1.1. For example, a Customer has
Visa/UPI/Mastercard card in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in USD/other currency in the Bank serviced
device, the following conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.2.
For example, a Customer
has Visa/UPI/Mastercard card in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in USD/other currency in the Bank serviced
device in KR territory (in IPC network1), the following conversion
scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Average IPC rate2;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Average IPC
rate2;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.3.
For example, a Customer
has Visa/UPI card in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in Euro/other currency in the Bank serviced
device outside KR territory, the following conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
1.
Visa/UPI+OIF3 rate
during conversion into USD;
2.
Bank rate during
conversion into currency of the card account.
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
1.
Visa/UPI+OIF3 rate
during conversion into USD;
2.
Bank rate during
conversion into currency of the card account.
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.4.
For example, a Customer
has Visa/UPI card in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in USD in the Bank serviced device outside KR
territory, the following conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.5.
For example, a Customer
has Mastercard in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in USD/other currency in the Bank serviced
device outside/inside KR territory (outside IPC network) the following
conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
1.
Mastercard rate during
conversion into Euro;
2.
Bank rate during
conversion into card account currency.
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
1.
Mastercard rate during
conversion into Euro;
2.
Bank rate during
conversion into card account currency.
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.6.
For example, a Customer
has Mastercard in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in Euro in the Bank serviced device
outside/inside KR territory (outside IPC network) the following conversion
scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate.
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
1.7.
For example, a Customer
has Elcart card in KGS, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in Rubles in the NSPC MIR, the following
conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
NSPC MIR rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
NSPC MIR rate.
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2. Card account: USD
2.1. For example, a Customer has
Visa/UPI/Mastercard card in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS/other currency in the Bank serviced
device, the following conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2.2.
For example, a Customer
has Visa/UPI/Mastercard card in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS/other currency in the Bank serviced
device in KR territory (in IPC1 network), the following conversion
scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Average IPC rate2;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Average IPC rate2;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2.3.
For example, a Customer
has Visa/UPI/Mastercard card in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS in the Bank serviced device in KR
territory (except Banks, not supporting the calculation system in national
currency outside IPC network), the following conversion scheme shall be
applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2.4.
For example, a Customer
has Visa/UPI in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in Euro/other currency in the Bank serviced
device outside/inside KR territory (outside IPC network), the following
conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Visa/UPI+OIF3 rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Visa/UPI+OIF3 rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2.5.
For example, a Customer
has Mastercard card in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KZT/other currency in the Bank serviced
device outside/inside KR territory (outside IPC network), the following
conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
1.
Mastercard rate during
conversion into Euro;
2.
Bank rate during
conversion into card account currency.
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
1.
Mastercard rate during
conversion into Euro;
2.
Bank rate during
conversion into card account currency.
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
2.6.
For example, a Customer
has Mastercard card in USD, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in Euro in the Bank serviced device
outside/inside KR territory (outside IPC network), the following conversion
scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
3.
Card account: Euro
3.1.
For example, a Customer
has Mastercard card in Euro, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS/other currency in the Bank serviced
device, the following conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
3.2.
For example, a Customer
has Mastercard card in Euro, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS in the Bank serviced inside KR
territory (except Banks which don’t support the settlement system in national
currency, outside IPC network), the following conversion scheme shall be
applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Bank rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Bank rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
3.3.
For example, a Customer
has Mastercard card in Euro, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS/other currency in the Bank serviced
device inside KR territory (in IPC network1), the following
conversion scheme shall be applied.
On the actual date of
the transaction (March 1), the amount will be blocked on the Customer's card
according to the scheme below based on the rates for March 1:
·
Average IPC rate2;
The final calculation
of the amount shall take place on March 3, which means that in the statement
the amount will be debited from the Customer based on the rates for March 3,
according to the same scheme:
·
Average IPC rate2;
If the rates on March
3 have changed compared to similar rates on March 1, then the blocked amount
will differ from the amount of the final calculation.
3.4.
For example, a Customer
has Mastercard card in Euro, and on March 1 the Customer makes a
purchase/withdrawal/replenishment in KGS/other currency in the Bank serviced
device outside/inside KR territory (outside IPC network), the following
conversion scheme shall be applied.
On the actual date of the transaction (March
1), the amount will be blocked on the Customer's card according to the scheme
below based on the rates for March 1:
·
Mastercard rate;
The final calculation of the amount shall take
place on March 3, which means that in the statement the amount will be debited
from the Customer based on the rates for March 3, according to the same scheme:
·
Mastercard rate;
If the rates on March 3 have changed compared
to similar rates on March 1, then the blocked amount will differ from the
amount of the final calculation.
APPENDIX №2 to PUBLIC OFFER FOR CONCLUSION OF AGREEMENT OF BANK
ACCOUNT OPENING AND MAINTENANCE IN NATIONAL AND FOREIGN CURRENCY
Power of attorney for legal entities to receive
bank cards and envelopes with PIN
codes
Date in
words
Bishkek
_________________________________________________
(hereinafter referred to as the “Organization”),
(full name of organization)
represented by __________________________________ acting on
the basis of ___________________
(position,
full name of the head) (title
of the document)
trusts__________________________________________________________________________,
to receive in
(full name, passport
details)
_____________________________________ KICB CJSC the following documents and materials
(name of additional
office)
in pursuance of the Public Offer to conclude an agreement to open and
maintain a bank account in national and foreign currencies: ready-made bank
cards; envelopes with PIN codes; statements from special card account №______________________;
other documents related to banking services for the Organization’s card
account.
This Power of
Attorney was issued for a period of validity from
______________________________ to _______________________________________________________________________
without the right of substitution.
(date in words)
I certify the signature
(full name) ________________________________________________
Head ____________________/__________________/
Seal
FOR THE
BANK FOR
THE CUSTOMER
_______________/__________/
________________/__________/
APPENDIX №3 to PUBLIC OFFER FOR CONCLUSION OF AGREEMENT OF BANK
ACCOUNT OPENING AND MAINTENANCE IN NATIONAL AND FOREIGN CURRENCY
|
|
|
|
CUSTOMER’S QUESTIONNAIRE FOR OPENING AN ACCOUNT
(Individuals/Individual
Entrepreneurs)
|
|
Type
of questionnaire (mark the necessary
item)
|
Filled in for the first time
|
Change of data
|
Update of data
|
|
|
1. Customer’s identification information
|
|
|
№
|
Field name
|
Customer details
|
|
|
1.
|
Customer
status (select one)
|
Resident
|
Non-resident
|
|
|
2.
|
FULL NAME
|
|
|
|
3.
|
Date of
birth
|
|
|
|
4.
|
Place of birth (if any)
|
|
|
|
5.
|
Nationality
(if any)
|
|
|
|
6.
|
Sex
|
|
|
|
7.
|
Citizenship
|
|
|
|
8.
|
Are you US citizen/resident (select
one)
If yes, you need to fulfill form W-9
to give written consent for submitting information to the USA Tax
authorities
|
Yes (incl. Green card)
No
|
|
|
9.
|
Marital
status (if any)
|
|
|
|
10.
|
Details of an identification document:
|
|
|
|
Title of a document
|
|
|
|
|
Series and number of a document
|
|
|
|
|
Date of issue and expiry date
|
|
|
|
|
Authority, issued a document/branch
code (if any)
|
|
|
|
11.
|
Personal identification number/social
protection number/TIN
|
|
|
|
12.
|
Registration address (if any) Country,
region, district, settlement, street, building, apartment
|
|
|
|
13.
|
Actual residence/staying address (according to
a Customer) Country, region, district, settlement, street, building,
block, apartment
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14.
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Customer’s contact information:
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Phone numbers (office, home and
mobile)
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Email (if any)
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Fax number (if any)
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1.1.
Only for foreign citizens and persons without citizenship
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15.
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Details of a document confirming the
right of a foreign citizen or a person without citizenship to stay (to
reside) in the Kyrgyz Republic:
|
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|
|
Title of
a document
|
Temporary residence
permit
Visa
Resident card
|
|
|
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Series (if any) and number of a
document
|
|
|
|
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Date of issue and expiry date
|
from ____________ to
______________
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2.
Information on customer’s business profile
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|
|
16.
|
Purpose and intended nature of the customer's
business relationship
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17.
|
Place of work and position
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|
18.
|
Is the Customer publicly exposed
person (PEP). Select one.
|
Yes (a questionnaire for PEP shall
be completed)
No
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19.
|
Source of
funds
|
|
|
|
20.
|
Presence of a beneficiary (select one)
|
Yes (if there is, a questionnaire
of a beneficiary shall be completed)
No
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21.
|
Information about the Customer’s documents
confirming the authority to dispose of funds or property (according to the
sample signature card)
|
Full name and passport date of a proxy
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22.
|
Average annual (expected) cash volume/flow
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|
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2.1. Only for individual entrepreneur
|
|
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23.
|
Information about registration as an
individual entrepreneur:
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|
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Registration date
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State registration
number
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Name of the registration authority
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Place of registration
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24.
|
Information on patent or license:
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|
|
|
Type of patent or license
|
|
|
|
|
Patent or license
number
|
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|
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Date of issue of patent or license
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Authority, issued the patent or license
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Term of validity of patent or license
|
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List of types of permitted/licensed activities
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|
|
25.
|
Average annual (expected) turnover/cash flow
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3.
Information about the holder of the “Pensioner” / “Social benefits” card
|
|
|
26.
|
Pension certificate details:
pension/benefits/compensation:
|
|
|
|
Type : pension/benefits/compensation
|
|
|
|
|
Certificate №
|
|
|
|
|
Issued
by/District/Region/City
|
|
|
|
|
Date of issue
|
|
|
|
27.
|
Required
bank services (except for settlement and cash services)
|
|
|
|
28.
|
I am aware of the following:
·
I have the right to open only one pensioner/social
benefits card at the Bank;
·
I am obliged to personally notify in writing every
12 months the administration of the Social Fund at the place of residence
about the extension of the period for transferring the
pension/benefits/compensation due to me to this card; in case of failure to
fulfill this requirement after the specified period, the transfer of the
pension/benefits/compensation to the “Pensioner” card/ “Social benefits”
will be stopped;
·
In
the event of my leaving the Kyrgyz Republic for a period of more than 1
month, I am obliged to notify in writing the administration of the Social
Fund at the place of residence.
|
|
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29.
|
As part of servicing my
pensioner/social benefits recipient account, I authorize:
·
withdraw from the account the excessively
transferred amount of pension/benefits/compensation from the month of
termination of the right to receive a pension/benefits/compensation;
·
employees of the Ministry of Social
Development of the Kyrgyz Republic to check the correctness of the
crediting of the pension/benefits/compensation due to me;
·
The bank will provide information to
the Department of Social Development on my account if funds have not been
withdrawn for 6 months or more.
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|
|
|
|
|
|
I,
_____________________________________________, request to open the following
accounts/cards in the following currencies:
|
Account:
|
Currency:
|
Account
№:
|
|
|
|
|
|
Card:
|
Currency:
|
Account
№:
|
I
confirm spelling on a bank card:
|
Code
word*:
|
Automatic
conversion of currency entries:
|
Payroll
project:
|
|
|
|
|
|
|
Yes
No
|
|
* The specified code word is a password that verifies
your identity when making a call to the bank
|
4.
Provision of access to Internet banking
|
|
Yes
|
No, give a reason___________________________________________________________________
________________________________________________________________________________________
|
By signing this Application-
questionnaire, I confirm the following:
1. I(We) confirm a full and unconditional
acceptance of the offer to conclude the Agreement of banking account
opening and maintenance in national and foreign currencies (hereinafter referred
to as the Agreement), which is posted on the website www.kicb. net. I(We) am(are) familiar with the terms
of the Agreement and Annexes thereto, I fully understand the text. I(We)
express my(our) unconditional agreement with the text of the Agreement in
full, without any comments or objections, and consent to conclude the
Agreement on the conditions proposed in the offer.
2. I (We)’ve read and agree:
- with the Bank's tariffs, according
to which the services are provided and which are approved by the Bank
Management and are subject for periodical review and posted on the Bank
official website www.kicb.
net.
- with the terms of the Agreement on
the safe use of a bank card;
- with a conversion scheme from one
currency to another, which provides various conversion options when the
Customer carries out transactions in a currency other than the currency of
the cardholder’s bank account posted on the Bank’s official website www.kicb.net;
- with methods of obtaining
information about each completed transaction, blocking cards in order to
prevent unauthorized access to the Customer’s account;
- with contact information for
communicating with the Bank during non-working hours and weekends
(holidays), posted on the official website of the Bank www.kicb.net;
- with the procedure for issuing funds
from the Bank’s cash desk in case of loss of the card.
3. I(We) confirm that I(We) agree:
- to changes and additions of the
Agreement made by the Bank, including the Bank Tariffs, unilaterally by
posting information on information boards and on the official website of
the Bank www.kicb.net taking into account the term established by the
legislation of the Kyrgyz Republic and Agreement for informing on
forthcoming changes.
- to collect and process my personal
data (collection, recording, storage, actualization (updating, changing),
grouping, blocking, destruction of the personal data) for the purposes of
obtaining banking services and complying with the current legislation of
the Kyrgyz Republic.;
- to transfer my personal data to
third parties in accordance with the Law of the Kyrgyz Republic “On
Personal Information” and international treaties, cross-border transfer of
my personal data to holders under the jurisdiction of other states) in
accordance with the list of personal data and information about their
changes.
4. I(We) confirm:
- the reliability of the information,
given in this Questionnaire and I undertake to submit information on all
changes of data, specified in this Questionnaire within 1 (one) business
day, and also undertake to provide copies of documents containing such
information. In accordance with the requirements of the Law of the Kyrgyz
Republic № 58 On Personal Information dated from April 14, 2008, I (We)
agree to process personal data in order to comply with the requirements of
the legislation of the Kyrgyz Republic in the field of combating the
financing of terrorist activities and the legalization (laundering) of
criminal proceeds.
- that all information and statements specified in this application form
are reliable and valid.
- that he/she has been informed of the
right to choose the language of the Questionnaire and the Agreement before
its conclusion, and also agrees with the language of drawing up the
Questionnaire and the Agreement in the official (Russian) language.
|
|
|
|
|
|
|
|
- - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - -
Customer___________________________
Customer code_____________________ Date______________
(Full name)
Customer’s signature
Seal (if any)___________________________
* The sample signature specified in this
document is considered mandatory when carrying out all transactions on the bank
account/accounts that require the client’s consent.
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
In case of illegal actions of
bank employees, you can send a request to the “Trust and Ethics Line” 24/7
(including anonymously) on the Bank’s website www.kicb.net,
in the Feedback section or call +996 (559) 535002 (on business days).
|
For Bank use only
|
|
4 .Information on customer’s verification and on risk assessment
|
|
|
Customer code
|
|
|
|
History of assignment/change of risk level
|
Primary assessment
|
Secondary assessment of risk level within 1
year (in case of change)
|
|
33.
|
Risk level
|
low
level
average
risk
high
risk
|
low
level
average
risk
high
risk
|
|
34.
|
Rationale of high risk level assessment/reason of change of risk level
|
|
|
|
35.
|
Check on absence of the customer in the current ''sanction lists
|
Date of check:
|
Date of check:
|
|
36.
|
Full name of executor
|
Fee is paid in amount
_________________________
Date ____________________
Full name_________________
Signature_________________
|
Date
____________________
Full
name_________________
Signature_________________
|
|
37.
|
Full name of verifier
|
Date
____________________
Full
name_________________
Signature_________________
|
Date
____________________
Full
name_________________
Signature_________________
|
|
38.
|
Full name of OD Manager/ Branch Manager/SB Manager
|
Date
____________________
Full
name_________________
Signature_________________
|
Date
____________________
Full
name_________________
Signature_________________
|
By signing this Application- questionnaire, I confirm the following:
1. I(We) confirm a full and unconditional acceptance of the offer to
conclude the Agreement of banking account opening and maintenance in national
and foreign currencies (hereinafter referred to as the Agreement), which is
posted on the website www.kicb. net. I(We) am(are) familiar with the terms of
the Agreement and Annexes thereto, I fully understand the text. I(We) express
my(our) unconditional agreement with the text of the Agreement in full, without
any comments or objections, and consent to conclude the Agreement on the
conditions proposed in the offer.
2. I (We)’ve read and agree:
- with the Bank's tariffs, according to which the services are provided
and which are approved by the Bank Management and are subject for periodical
review and posted on the Bank official website www.kicb. net.
- with the terms of the Agreement on the safe use of a bank card;
- with a conversion scheme from one currency to another, which provides
various conversion options when the Customer carries out transactions in a
currency other than the currency of the cardholder’s bank account posted on the
Bank’s official website www.kicb.net;
- with methods of obtaining information about each completed transaction,
blocking cards in order to prevent unauthorized access to the Customer’s
account;
- with contact information for communicating with the Bank during
non-working hours and weekends (holidays), posted on the official website of
the Bank www.kicb.net;
- with the procedure for issuing funds from the Bank’s cash desk in case
of loss of the card.
3. I(We) confirm that I(We) agree:
- to changes and additions of the Agreement made by the Bank, including
the Bank Tariffs, unilaterally by posting information on information boards and
on the official website of the Bank www.kicb.net taking into account the term
established by the legislation of the Kyrgyz Republic and Agreement for
informing on forthcoming changes.
- to collect and process my personal data (collection, recording,
storage, actualization (updating, changing), grouping, blocking, destruction of
the personal data) for the purposes of obtaining banking services and complying
with the current legislation of the Kyrgyz Republic.;
- to transfer my personal data to third parties in accordance with the
Law of the Kyrgyz Republic “On Personal Information” and international
treaties, cross-border transfer of my personal data to holders under the
jurisdiction of other states) in accordance with the list of personal data and
information about their changes.
4. I(We) confirm:
- the reliability of the information, given in this Questionnaire and I
undertake to submit information on all changes of data, specified in this
Questionnaire within 1 (one) business day, and also undertake to provide copies
of documents containing such information. In accordance with the requirements
of the Law of the Kyrgyz Republic № 58 On Personal Information dated from April
14, 2008, I (We) agree to process personal data in order to comply with the
requirements of the legislation of the Kyrgyz Republic in the field of
combating the financing of terrorist activities and the legalization
(laundering) of criminal proceeds.
- that all information and statements specified in this application form
are reliable and valid.
- that he/she has been informed of the right to choose the language of
the Questionnaire and the Agreement before its conclusion, and also agrees with
the language of drawing up the Questionnaire and the Agreement in the official
(Russian) language.
Customer (Full name_________________________ Date____________________________
Signature______________________________ Seal (if any)_______________
Questionnaire is accepted by:
Officer____________________________ Officer’s signature, stamp_________
In case of illegal actions of bank employees, you can send a request to
the “Trust and Ethics Line” 24/7 (including anonymously) on the Bank’s
website www.kicb.net, in the Feedback
section or call +996 (559) 535002 (on business days).
«Payment details»
APPENDIX №3 to PUBLIC OFFER FOR CONCLUSION OF AGREEMENT OF BANK
ACCOUNT OPENING AND MAINTENANCE IN NATIONAL AND FOREIGN CURRENCY
|
|
|
|
|
|
|
|
|
|
|
|
|
CUSTOMER’S
QUESTIONNAIRE FOR OPENNING AN ACCOUNT
(Legal Entities)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Type of questionnaire (mark
the necessary item)
|
|
þ
|
Filled in for the first time
|
o
|
Change of questionnaire data
|
o
|
Update of questionnaire data
|
|
1. Customer’s
identification information
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
№
|
Field name
|
Customer details
|
|
1.
|
Customer status
(select one)
|
Resident Non-resident
|
|
2.
|
Full name
|
|
|
3.
|
Short name (if any)
|
|
|
4.
|
Name in foreign language (if any)
|
|
|
5.
|
Legal status
|
|
|
6.
|
TIN (for resident) or code of foreign
organization (for non-resident, if any)
|
|
|
7.
|
State registration data
|
|
|
|
Date
|
|
|
|
Number
|
|
|
|
Authority name
|
|
|
|
Full legal registration address (country, region, city, district, settlement, street,
house, block, apartment)
|
|
|
8.
|
Number of KR Social Fund (for resident)
|
|
|
9.
|
OKPO code
|
|
|
10.
|
Client’s contact
data:
|
|
|
|
telephone
numbers, fax number (if any)
|
|
|
|
e-mail
address
|
|
|
|
address of actual location and postal address (if
different from legal address)
|
|
|
2. Data on
client’s statutory documents
|
|
11.
|
Data on legal entity’s bodies (structure
and personnel composition of the legal entity’s bodies):
|
|
|
Authority name
|
|
|
|
Full names of the management body’s
members
|
|
|
|
Officials with signing rights (authorized
persons)
|
|
|
Full name
|
|
|
12.
|
Information on registered and paid authorized capital
(contributed capital) value or value of authorized fund, property
|
|
|
1213.
|
Information on documents confirming the
authority to dispose the funds/property (according to cards, sample signatures)
|
|
|
14.
|
Information about preparation/absence at the
location of the legal entity, its governing body, another
body or person who has the right to act on behalf of a legal entity
without a power of attorney on the territory of the Kyrgyz Republic
|
|
|
15.
|
Information on branches and representative
offices of legal entity (if any)
|
|
|
16.
|
Information on beneficial owner (must be
selected)
|
Resident
Non-resident
The questionnaire of beneficial owner is filled
in
|
|
17.
|
Information on the availability of PEP (publicly
exposed persons) within the client’s ownership (management) (select
one)
|
N/A
Available (please, fill in a
questionnaire for PEP)
|
|
3.
Information on customer’s business profile
|
|
18.
|
Data on
license (if any)
|
|
|
|
License
type/number/issue date
|
|
|
|
License
issued by and its validity term
|
|
|
|
List of types of licensed activity
|
|
|
19.
|
Purpose of
account opening in the Bank and supposed character of business relations
|
|
|
20.
|
Main type of
activity, produced (sold) goods or services (main customers and
suppliers, seasonality)
|
|
|
21.
|
Is your
organization a US incorporated/registered entity, either under US law, or
a foreign financial institution for FATCA purposes? (select one)
|
o NO
o YES (if yes, you need to fill in
forms W-8BEN E, W-8EXP, Form W-8IMY, Form W-9, Application for
consent)
|
|
22.
|
Do these
incomes (“passive income”) account for more than 50% (individually or in
the aggregate) of your organization’s total income for the previous year,
and do the assets generating such income account for more than 50%,
individually or in the aggregate, of your organization’s weighted average
assets of your organization (at the end of the quarter) (select one).
|
NO
YES, select
one:
Dividends
Interest
Income
equivalent to interest income (for example, income received from a pool
of insurance contracts, provided that the contract amounts depend in
whole or in part on the profitability of the pool)
Rent and
license payment (except when such activities of the organization are the
main business direction)
Annuities
Profit from
the sale and exchange of assets mentioned above
Profit
(income minus expenses) from commodity transactions, including futures,
forwards, etc. transactions, with the exception of transactions that are
hedging, provided that transactions with such goods are the main activity
of your organization
Profit from
foreign exchange transactions (positive or negative exchange rate
differences)
Contracts
whose value is tied to the underlying asset (par value), for example,
derivatives (currency swap, interest rate swap, options, etc.)
Redemption
amount under an insurance agreement or loan amount secured by an
insurance agreement
Profits of
insurance companies associated with the creation of reserves of insurance
amounts or annuity contracts
|
|
23.
|
Do the
controlling persons (beneficial owners) of your organization, who
directly or indirectly own more than 10% of the share in the
organization, include one of the following persons:
-
Individuals - USA Persons;
- Legal
entities - USA Persons and that do not fall into the category of legal
entities excluded from the list of Designated USA Persons (select
one).
|
NO
YES (if yes, you need to fill in forms
W-8BEN E, W-8EXP, Form W-8IMY, Form W-9, Application for
consent)
|
|
24.
|
Planned monthly/annual
cash flow through the account for each currency
|
Currency
Month/year (Maximal turnover)
KGS
___________/______________
USD ___________/______________
Euro
___________/______________
Other_____
___________/______________
|
|
_________________________________________________requests
to open following bank accounts in the specified currencies:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Account type:
|
Account currency:
|
Account BIK:
|
Account number:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
By signing
this Application- questionnaire, I confirm the following:
1. I confirm a full and unconditional acceptance of the offer to conclude
the Agreement of banking account opening and maintenance in national and
foreign currencies (hereinafter referred to as the Agreement), which is
posted on the website www.kicb. net. I am familiar with the Agreement, I
understand its text. I express my unconditional agreement with the text
of the Agreement in full, without any comments or objections, and consent
to conclude the Agreement on the conditions proposed in the offer.
2. I’ve read and agree with the Bank's tariffs, according to which the
services are provided and which are approved by the Bank Management and
are subject for periodical review and posted on the website www.kicb.
net.
3. I confirm that I agree to changes and additions of the Agreement made
by the Bank, including the Bank Tariffs, unilaterally by posting
information on information boards and on the official website of the Bank
www.kicb. Net taking into account the term established by the legislation
of the Kyrgyz Republic and Agreement for informing on forthcoming
changes.
4. I confirm the reliability of the information, given in this
Application-questionnaire and I undertake to submit information on all
changes of data, specified in this Application-questionnaire within 1
(one) business day, and also undertake to provide copies of documents
containing such information. In accordance with the requirements of the
Law of the Kyrgyz Republic № 58 On Personal Information dated from April
14, 2008, I agree to process personal data in order to comply with the
requirements of the legislation of the Kyrgyz Republic in the field of
combating the financing of terrorist activities and the legalization
(laundering) of criminal proceeds.
5. I confirm my consent to collection and processing of my personal data
(collection, recording, storage, actualization (updating, changing),
grouping, blocking, destruction of the personal data) for the purposes of
obtaining banking services and complying with the current legislation of
the Kyrgyz Republic.
6. I confirm that I agree on transfer of my personal data to third
parties in accordance with the Law of the Kyrgyz Republic On personal
information and the international agreements, cross-border transfer of my
personal data to the holders, who are under jurisdiction of other
countries in accordance with the list of personal data and information
about their change.
7. I confirm that all information and statements, specified in this
Application- questionnaire are true and valid.
8. I confirm that I have been informed about the right to choose the
language of the Application-questionnaire and the Agreement before its
conclusion, and also agree with the official (Russian) language of the
Application-questionnaire and the Agreement.
Customer,
represented
by: ____________________________/ ________________ /
________________________
(Position) (customer’s signature)
(customer’s full name)
Customer,
represented
by: ____________________________/ ________________ /
________________________
(Position) (customer’s signature)
(customer’s full name)
Stamp (if any) ______________ ______, 2023
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Only for
bank use
|
|
4.Information on client verification and risk
assessment
|
|
|
Client code
|
|
|
|
|
|
|
|
|
|
risk level assignment/change
|
Initial assessment
|
Secondary risk assessment within 1 year (if
changed)
|
|
25.
|
Risk level
|
low risk
average risk
high risk
|
low risk
average risk
high risk
|
|
26.
|
Rationale for
assessing the risk level / Reason for changing the risk level
|
|
|
|
27.
|
Checking
whether the client is not on the current “sanctions lists”
|
Not available in List
Available in List
Date of inspection:
_________________
|
Not available in List
Available in List
Date of inspection:
_________________
|
|
28.
|
Information
about verification (select one)
|
Conducted
Not conducted
Other notes
Date ___________
Full name ___________________
Signature
__________
|
Conducted
Not conducted
Other notes
Date _________
Full name
___________________
Signature
__________
|
|
29.
|
Executor’s full
name
|
Date ___________
Full name ___________________
Signature
__________
|
Date ___________
Full name ___________________
Signature
__________
|
|
30.
|
Verifier’s full
name
|
Date ___________
Full name ___________________
Signature
__________
|
Date __________
Full name __________________________
Signature ______________
|
|
31.
|
Full name of
the Head of OD/Branch Manager
|
Date ___________
Full name ___________________
Signature
__________
|
Date ____________________
Full name __________________
Signature _______________
|
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