Common use of Credit Limit Clause in Contracts

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of this agreement, in thetime periods specified in theinformationsentby the bank to the clientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of this agreement, in thetime periods specified in theinformationsentby the bank to the clientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and line, breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon After receipt of the application from by the card owner cardholder, the bank shall study consider the possibility question of allowing the credit limit allowance and in case the of positive decision is made shall grant the bank authorizes right to the card owner cardholder to use the credit limit allowed at his/her card to its account as per in accordance with the terms and conditions established determined by the bankBank, about which the card owner information thereto shall be properly notified through delivered to the cardholder in any forms provided form stipulated by this agreement. At the same timeBesides, the customer shall be obliged client is obliged, using the code given in the 11.2.1 subparagraph of this agreement, to contact the bank call center of the bank centre (at the telephone number by telephone: +99532 ▇▇▇▇▇▇▇) within 3 (threeafter expiring of 3(three) business banking days after the date of submitting the application application, in order to the bank to make inquiries about receive information on the credit limit allowed at granting on his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of this agreement, in thetime the time periods specified in theinformationsentby the information sent by the bank to the clientforclient for. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and line, breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 17.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 17.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt 17.3 Besides, the client is obliged, using the code given in the 11.2.1 subparagraph of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the bank call center of the bank centre (at the telephone number by telephone: +99532 ▇▇▇▇▇▇▇) within 3 (threeafter expiring of 3(three) business banking days after the date of submitting the application application, in order to the bank to make inquiries about receive information on the credit limit allowed at granting on his/her card account. 16.4 17.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After 17.5 after the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 17.6 The monthly due payment amount should be paid according to the paragraph 16.3 17.3 of this agreement, in thetime the time periods specified in theinformationsentby the information sent by the bank to the clientforclient for. 16.7 17.7 The bank shall have the right: 16.7.1 17.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and line, breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 17.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 17.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt Besides, the client is obliged, using the code given in the 11.2.1 subparagraph of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the bank call center of the bank centre (at the telephone number by telephone: +99532 ▇▇▇▇▇▇▇) within 3 (threeafter expiring of 3(three) business banking days after the date of submitting the application application, in order to the bank to make inquiries about receive information on the credit limit allowed at granting on his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After after the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of this agreement, in thetime the time periods specified in theinformationsentby the information sent by the bank to the clientforclient for. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and line, breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting arsangting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall cardholdehrasll indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the cathsee positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the ahseper t conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about inquirieust abo the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization timfeuotilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until occurredil unt the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment dupeayment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6h.31of this agreement, in thetime inthetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance focircumstance upon which the bank has permitted the credit line orlineor/and breach of cardholder’s obligations hereunder and/or forceobligati-majeure at any timeomanjesure aht eanryetiumen, without the prior consent of the cardholder dwiethorut thaenpdrio/r ocornsenft oof rthce ecardholder to unilaterally suspend and/or cancel validity of the card or cancelocrancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, al increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity thiedivtyal term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bankthaenbk.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as deemeads granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum mxaimum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card thecard owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about baanbko,ut which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days businessadys after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in determinedin accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until occurreudntil the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest thienterest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6.h31of this agreement, in thetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has bkanhas permitted the credit line or/and breach andbreach of cardholder’s obligations hereunder and/or forceocbliagartiodnshhoereludndeerran’d/sor forc-majeure emajeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together togheetr with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line casaerthde exiasticngccoreduitnlinte ,or the validity term thie nvaclidrityeterm thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit exigstcinredit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as deemeads granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum mxaimum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card thecard owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about baanbko,ut which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days businessadys after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in determinedin accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until occurreudntil the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest thienterest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6.h31of this agreement, in thetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has bkanhas permitted the credit line or/and breach of cardholder’s obligations hereunder and/or forceEUHDFK RI oFbliDgaUtioGnsKhRereOuGndHerUan¶d/Vor forc-majeure emajeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together togheetr with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line FDUGKROGHU¶V FasDeUthGe e xiDstiFngFcRredXitQlinWe or the validity term thLe QvaFlidUityHterm thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit exigstcinredit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of this agreement, in thetime the time periods specified in theinformationsentby the information sent by the bank to the clientforclient for. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and breach of cardholder’s obligations hereunder and/or force-majeure at any time, without the prior consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting arsangting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount maximumamount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner cardowner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which tabwohuich the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after daysftaer the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the unl tihe date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6h.31of this agreement, in thetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line orloinre/and breach of cardholder’s obligations hereunder and/or forceEUHDFK RI FDUGKROGHU¶V RE-majeure at any timemOaLjeuJreDaWt aLnyRtiQmVe, without the prior consent wiKthoHuUt thHeXprQioGr coHnsUent DQG RU of the cardholder to unilaterally suspend and/or cancel validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s 2Q LWV LQLWLDWLYH DQG ZLWKRXW WKH SULRU QRWLILFDWLRQ card account, increase the existing credit line or the validity term thereof. The cardholder declared cardholdercldaered the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information theniformation related thereto in accordance with the relevant tariffs determined by the bank.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting arsangting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall cardholdehrasll indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the cathsee positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the ahseper t conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about inquirieust abo the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization timfeuotilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until occurredil unt the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment dupeayment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6h.31of this agreement, in thetime inthetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance focircumstance upon which the bank has permitted the credit line orlineor/and breach of cardholder’s obligations hereunder and/or forceFDUGKROGHU¶V REOLJDWL-majeure at any timeRmaQjeVur e aKt HanUyHtiXmeQ, without the prior consent of the cardholder GwiHthoUu t thDeQpGrio r RcoUns ▇▇▇▇ ▇▇▇ UthFe Hcardholder to unilaterally suspend and/or cancel validity of the card or cancelocrancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, priRU QRWLILFDWLRQ WR WKH FDUGKROGHU WR DO increase the existing credit line or the validity term thereof. The cardholder declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity thiedivtyal term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bankthaenbk.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive thepositive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreementaregement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of timf e o utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usually, comprises: insurance premiums amount, the utilized credit limit part and the interest thienterest profit credited for the utilized theutilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6h.31of this agreement, in thetime periods specified in theinformationsentby the bank intheinformationsentby thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance ocf ircumstance upon which the bank bakn has permitted the credit line or/and breach of cardholder’s obligations hereunder and/or forceob-majeure at any timemlajieugreaattaniyotimnes, without the prior withhoeut rtheepurionr der and consent of the cardholder to unilaterally suspend and/or cancel validity of the card or cancelcardcoarncel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder c declared the consent on the above right of the bank by signing the relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bankbnak.

Credit Limit. 16.1 Granting the credit limit on the card account shall be deemed as granting the client the right to use the credit sources within the established limits. 16.2 In order to obtain the credit limit the cardholder shall petition to the bank with the relevant application. The cardholder shall indicate in the application the maximum amount of credit limit the cardholder wishes to wishesto obtain; credit limit currency; term for return of utilized credit limit; interest rate (in accordance with the rate established by the bank) and other information. 16.3 Upon receipt of application from the card owner the bank shall study the possibility of allowing the credit limit and in case the positive decision is made the bank authorizes the card owner to use the credit limit allowed at his/her card account as per the conditions codnitions established by the bank, about which the card owner shall be properly notified through any forms provided by this agreement. At the same time, the customer shall be obliged to contact the call center of the bank (at the telephone number +99532 ▇▇▇▇▇▇▇) within 3 (three) business days after the date of submitting the application to the bank to make inquiries about the credit limit allowed at his/her card account. 16.4 The cardholder shall pay to the bank interest for the utilized credit line. The annual interest annuanltei rest rate shall be determined in accordance with established tariffs for use of credit line being in effect at the time of utilization of such, based on 365 (three hundred and sixty five) in a year calculation method. The interest on utilized sum shall accrue shallaccrue from the date it occurred until the date of full repayment thereof. 16.5 After the moment of utilizing the credit limit or its part, the card owner becomes ownerbecomes obliged to pay the monthly due payment amounts to the bank. The monthly due payment amount, usuallyusulayl, comprises: insurance premiums amount, the utilized credit limit part and the interest theinterest profit credited for the utilized credit limit 16.6 The monthly due payment amount should be paid according to the paragraph 16.3 of paragrap6h.31of this agreement, in thetime periods specified speicfied in theinformationsentby the bank thebank to the clientfortheclientfor. 16.7 The bank shall have the right: 16.7.1 In the event of material change of circumstance upon which the bank has permitted the credit line or/and line, breach of cardholder’s obligations hereunder and/or forceob-majeure at any timelmaijegurae tatiaonyntisme, without the prior hwiethoruet tuhenpdrioer r and/ consent of the cardholder to unilaterally suspend and/or cancel ccaenl validity of the card or cancel/reduce credit line and/or to request the cardholder repayment of utilized amount together with the accrued interest and fines within no later than 14 (fourteen) calendar days from so informing the cardholder. 16.7.2 On its initiative and without the prior notification to the cardholder to allow credit line on the cardholder’s card account, increase the existing credit line or the validity term thereof. The cardholder c declared the consent on the above right of the bank by signing the siggninthe relevant application. 16.8 The cardholder shall pay the commission for granting the credit line, increasing the existing credit line, increasing the validity term of existing credit line or the information related thereto in accordance with the relevant tariffs determined by the bank.