Common use of OBLIGATIONS AND RIGHTS OF THE PARTIES Clause in Contracts

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If a card operation(s)/transaction(s) is/are not accepted and/or adjustment of a card operation(s)/transaction(s) is requested, apply to the Bank in writing within 13 (thirteen) months of performance of an unauthorized operation (transaction/debiting of an account by the amount of operation/execution of incorrectly performed operation (“incorrectly performed operation ” is defined in line with the Georgian legislation) (transaction/debiting of an account by the amount of operation) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). Though the Customer/Card holder fails to observe the time limit(s) set for the complaint, the Bank will spare no efforts to assist the Customer/Card holder in refunding the amounts transferred as a result of an unauthorized or incorrectly performed operation. The Customer shall pay the additional service fee set for the problem investigation by VISA and Mastercard. The Bank will discuss the operation claimed (complaint filed) by the Customer and take a decision within 20 (twenty) business days of the filing. If the complaint cannot be reviewed/a relevant decision cannot be taken within the mentioned term due to reasons beyond the Bank’s control, the Bank will inform the Customer of the reason for the delay and the extension of the term of reviewing/ resolving the complaint that should not exceed 55 (fifty five) business days. The Customer’s complaint is reviewed according to the following procedure: twice a week, the Bank makes a list of customers 1) who have filed a card transaction complaint/application on non- acceptance/problem transaction; 25-28 calendar days have elapsed from the Bank’s acceptance of the applications and no refund followed within the card security limit; 2) whose applications have been sent for review to international payment systems but the investigation has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder before the complaint is reviewed and resolved. At the same time the Bank is not liable to refund the amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holder’s fraudulent action or the breach by Customer/Card holder of the obligations related to the card/card operations hereunder deliberately or by gross negligence; 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card or the PIN code shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate the Bank for the damage related to the unauthorized payment operation that is caused by the Customer’s/Card holder’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the card.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If In case of an unrecognized card operation (transction) and/or a correction request on a card operation(s)/transaction(s) is/are not accepted and/or adjustment of a card operation(s)/transaction(s) is requestedoperation (transaction), apply to the Bank in writing within no later than 13 (thirteen) months from the date of performance of an unauthorized the unrecognized operation (transaction/transaction / debiting of an the account by the transaction amount / the date of operation/execution of the incorrectly performed operation executed tranaction (“an incorrectly performed operation executed transaction” is defined in line with the Georgian legislationlaw) (transaction/debiting of an account by the amount of operationtranaction amount) unless the time limit hereunder is breached by the Customer/Card holder by Cardholder missed the chargeback period envisaged hereunder for objective reason(s)/beyond the Customer’s/Card holderCardholder’s control, and not due to an unreasonable delay (the burden of proof lies with the Customer/Card holderCardholder). Though Despite the CustomerCustomer’s/Card holder fails to observe Cardholder’s missing/breaching of the time limit(s) set for the complaintchargeback period, the Bank will spare no efforts to assist the Customer/Card holder Cardholder in refunding the amounts transferred as a result amount of an unauthorized the unrecognized or incorrectly performed operationexecuted transaction. The Customer shall pay the additional service chargeback fee set for the problem investigation by VISA and Mastercard. The Bank will discuss review the operation claimed (complaint filed) chargeback claim/ dispute filed by the Customer and take make a decision within 20 15 (twentyfifteen) business days of the filingdate on which the claim was filed. If the complaint cannot be reviewed/a relevant decision cannot be taken within the mentioned term due to reasons beyond the Bank’s control, the Bank will account for the delay in review/ decision-making / will inform the Customer of the reason for the delay and regarding the extension of the term of reviewing/ resolving the complaint that decision period, which should not exceed 55 35 (fifty thirty-five) business daysdays from the date on which the claim was received. The Customer’s complaint is Customer complaints are reviewed according to the following procedure: twice a week, the Bank makes a list of customers customers 1) who have filed a claim with the Bank over a disputed card transaction complaint/ nonrecognition/application on non- acceptance/problem transactiona transaction error; 2518-28 21 calendar days have elapsed from the Bank’s acceptance of the applications customer claims and no refund followed within the card security limitlimit has followed; 2) whose applications claims have been sent for review to international payment systems but the investigation review has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder before the complaint is reviewed and resolved. At the same time the Bank is not liable has no obligation to refund the disputed transaction amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holderCardholder’s fraudulent action or the breach by of Customer/Card holder of the Cardholder obligations hereunder related to the card/card operations hereunder deliberately transaction either intentionally or by due to gross negligence; 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card or the PIN code shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate the Bank for the damage related to the unauthorized payment operation that is caused by the Customer’s/Card holder’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the card.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN - code or the SMS- code which can be used to get the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If a card operation(s)/transaction(s) is/are transaction is not accepted and/or adjustment of a card operation(s)/transaction(s) is requestedaccepted, apply to the Bank in writing writing: 1. within 13 40 (thirteenfourty) months calendar days of performance the execution of an unauthorized operation transaction; 2. within 180 (one hundred and eighty) days of performing the incorrectly executed transaction/debiting of an account by . If the amount of operation/execution of incorrectly performed operation (“incorrectly performed operation ” is defined in line with the Georgian legislation) (transaction/debiting of an account by the amount of operation) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). Though the Customer/Card holder Customer fails to observe the time limit(s) set for the complaint, the Bank refund of the disputed transaction will spare no efforts to assist depend on the Customer/Card holder in refunding Bank’s goodwill, irrespect of the amounts transferred as a result grounds of an unauthorized or incorrectly performed operationthe complaint. The Customer shall pay the additional service chargeback investigation fee set for the problem investigation by VISA and MastercardMastercard for the additional service. The Bank will discuss the operation claimed Customer’s chargeback (complaint fileddisputed transaction) by the Customer and take a decision within 20 (twenty) business days of filing the filingchargeback. If the complaint chargeback/dispute cannot be reviewedhandled/a relevant decision dicision cannot be taken within the mentioned term due aforementioned period for reasons unrelated to reasons beyond the Bank’s control, the Bank will inform the Customer regarding the cause of the reason for the delay dalay and the extension of the term of reviewing/ resolving the complaint that handling and decision-making period, which should not exceed 55 (fifty five) business daysdays from the date on which the chargeback/dispute was filed. The Customer’s complaint is reviewed will be handled according to the following procedure: twice a week, the Bank makes a list of customers 1) who have filed a card transaction complaint/application on non- acceptancechargeback/have disputed a problem transaction; 25-28 calendar days have elapsed from passed since the Bank’s acceptance of the applications Bank accepted their application and no refund followed within the card security limit; 2) whose applications have been sent for review to international payment systems networks but the investigation has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder before the complaint is reviewed and resolved. At the same time the Bank is not liable to refund the amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holder’s fraudulent action or the breach by Customer/Card holder of the obligations related to the card/card operations hereunder deliberately or by gross negligence; 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card PIN code or the SMS- code of the card, which can be used to get the PIN code – code, shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate 12.5.2 In case the Bank for amount is refunded as a result of disputing the damage related transaction (operation), the bank is obliged to transfer the amount to the unauthorized payment operation that is caused by the Customer’s/Card holdercustomer’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the cardaccount within maximum 90 (ninety) days.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If a card operation(s)/transaction(s) is/are transaction is not accepted and/or adjustment of a card operation(s)/transaction(s) is requestedaccepted, apply to the Bank in writing writing: 1. within 13 40 (thirteenfourty) months calendar days of performance the execution of an unauthorized operation transaction; 2. within 180 (one hundred and eighty) days of performing the incorrectly executed transaction/debiting of an account by . If the amount of operation/execution of incorrectly performed operation (“incorrectly performed operation ” is defined in line with the Georgian legislation) (transaction/debiting of an account by the amount of operation) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). Though the Customer/Card holder Customer fails to observe the time limit(s) set for the complaint, the Bank refund of the disputed transaction will spare no efforts to assist depend on the Customer/Card holder in refunding Bank’s goodwill, irrespect of the amounts transferred as a result grounds of an unauthorized or incorrectly performed operationthe complaint. The Customer shall pay the additional service chargeback investigation fee set for the problem investigation by VISA and MastercardMastercard for the additional service. The Bank will discuss the operation claimed Customer’s chargeback (complaint fileddisputed transaction) by the Customer and take a decision within 20 (twenty) business days of filing the filingchargeback. If the complaint chargeback/dispute cannot be reviewedhandled/a relevant decision dicision cannot be taken within the mentioned term due aforementioned period for reasons unrelated to reasons beyond the Bank’s control, the Bank will inform the Customer regarding the cause of the reason for the delay dalay and the extension of the term of reviewing/ resolving the complaint that handling and decision-making period, which should not exceed 55 (fifty five) business daysdays from the date on which the chargeback/dispute was filed. The Customer’s complaint is reviewed will be handled according to the following procedure: twice a week, the Bank makes a list of customers 1) who have filed a card transaction complaint/application on non- acceptancechargeback/have disputed a problem transaction; 25-28 calendar days have elapsed from passed since the Bank’s acceptance of the applications Bank accepted their application and no refund followed within the card security limit; 2) whose applications have been sent for review to international payment systems networks but the investigation has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder before the complaint is reviewed and resolved. At the same time the Bank is not liable to refund the amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holder’s fraudulent action or the breach by Customer/Card holder of the obligations related to the card/card operations hereunder deliberately or by gross negligence; 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card or the PIN code shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate 12.5.2 In case the Bank for amount is refunded as a result of disputing the damage related transaction (operation), the bank is obliged to transfer the amount to the unauthorized payment operation that is caused by the Customer’s/Card holdercustomer’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the cardaccount within maximum 90 (ninety) days.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If a card operation(s)/transaction(s) is/are not accepted and/or adjustment of a card operation(s)/transaction(s) is requested, apply to the Bank in writing within 13 (thirteen) months of performance of an unauthorized operation (transaction/debiting of an account by the amount of operation/execution of incorrectly performed operation (“incorrectly performed operation ” is defined in line with the Georgian legislation) (transaction/debiting of an account by the amount of operation) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). Though the Customer/Card holder fails to observe the time limit(s) set for the complaint, the Bank will spare no efforts to assist the Customer/Card holder in refunding the amounts transferred as a result of an unauthorized or incorrectly performed operation. The Customer shall pay the additional service fee set for the problem investigation by VISA and Mastercard. The Bank will discuss the operation claimed (complaint filed) by the Customer and take a decision within 20 (twenty) business days of the filing. If the complaint cannot be reviewed/a relevant decision cannot be taken within the mentioned term due to reasons beyond the Bank’s control, the Bank will inform the Customer of the reason for the delay and the extension of the term of reviewing/ resolving the complaint that should not exceed 55 (fifty five) business days. The Customer’s complaint is reviewed according to the following procedure: twice a week, the Bank makes a list of customers 1) who have filed a card transaction complaint/application on non- non-acceptance/problem transaction; 25-28 calendar days have elapsed from the Bank’s acceptance of the applications and no refund followed within the card security limit; 2) whose applications have been sent for review to international payment systems but the investigation has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder ▇▇▇▇▇▇ before the complaint is reviewed and resolved. At the same time the Bank is not liable to refund the amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holder’s fraudulent action or the breach by Customer/Card holder of the obligations related to the card/card operations hereunder deliberately or by gross negligence;. 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card or the PIN code shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate the Bank for the damage related to the unauthorized payment operation that is caused by the Customer’s/Card holder’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the card.

OBLIGATIONS AND RIGHTS OF THE PARTIES. 12.5.1 Customer/card owner is obliged to: 12.5.1.1 The integrity of the envelope shall be examined which contains the PIN – code; 12.5.1.2 Keep documented confirmations for every transaction within the period of 6 (six) months after the date such transaction were performed and submit them to the bank, if necessary. 12.5.1.3 If a card operation(s)/transaction(s) is/are not accepted and/or adjustment of a card operation(s)/transaction(s) is requestedaccepted, apply to the Bank in writing within 13 (thirteen) months of performance of an unauthorized authorized operation (transaction/debiting of an account by the amount of operation/execution of incorrectly performed operation (“incorrectly performed operation ” is defined in line with the Georgian legislation) (transaction/debiting of an account by the amount of operation) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). Though the Customer/Card holder fails to observe the time limit(s) set for the complaint, the Bank will spare no efforts to assist the Customer/Card holder in refunding the amounts transferred as a result of an unauthorized or incorrectly performed operation. The Customer shall pay the additional service fee set for the problem investigation by VISA and Mastercard. The Bank will discuss the operation claimed (complaint filed) by the Customer Customer) and take a decision within 20 (twenty) business days of the filing. If the complaint cannot be reviewed/a relevant decision cannot be taken within the mentioned term due to reasons beyond the Bank’s control, the Bank will inform the Customer of the reason for the delay and the extension of the term of reviewing/ resolving the complaint that should not exceed 55 (fifty five) business days. The Customer’s complaint is reviewed according to the following procedure: twice a week, the Bank makes a list of customers 1) who have filed a card transaction complaint/application on non- non-acceptance/problem transaction; 25-28 calendar days have elapsed from the Bank’s acceptance of the applications and no refund followed within the card security limit; 2) whose applications have been sent for review to international payment systems but the investigation has not been completed. Furthermore, if the amount of the claimed amount is refunded by the Bank to the Customer/Card holder hereunder, the Bank is entitled to block the amount refunded to the Customer/Card holder before the complaint is reviewed and resolved. At the same time the Bank is not liable to refund the amount of the operation claimed by the Customer/Card holder if the Bank has a reasonable doubt about the Customer’s/Card holder’s fraudulent action or the breach by Customer/Card holder of the obligations related to the card/card operations hereunder deliberately or by gross negligence;. 12.5.1.3.1 If unauthorized cross-border payment operations (transactions) performed via a card is/are not accepted, apply to the Bank in writing within 75 (seventy five) days of the performance of the operation (transaction/debiting of an account by the operation amount) unless the time limit hereunder is breached by the Customer/Card holder by objective reason(s)/beyond the Customer’s/Card holder’s control, and not due to unreasonable delay (the burden of proof lies with the Customer/Card holder). For the purposes of this paragraph, a cross-border payment operation is an operation that is performed by using the card instrument (plastic card) issued in Georgia and the receiver’s provider (acquirer) is a foreign payment service provider. The amount of the claimed operation is subject to compensation by the Bank only if the complaint is filed to the Bank within the term hereunder or a third party’s fraudulent action is obvious and/or the case communicated by the Customer/Card holder is similar by its substance and/or circumstances to the case/cases reviewed by the Bank within the last 180 days within the frames of which the Customers/Card holders will be compensated the amount of unauthorized operation. 12.5.1.4 The card or the PIN code shall not be given or disclosed to the third parties; 12.5.1.5 Refund the expenditures incurred by the bank with respect to additional paid services by VISA and MasterCard, in case such services exist. 12.5.1.6 compensate the Bank for the damage related to the unauthorized payment operation that is caused by the Customer’s/Card holder’s fraudulent action and/or the Customer’s/Card holder’s intentional breach and/or gross negligence of the terms/requirements hereunder with regard to the holding/use/security and confidentiality of the card. 12.5.2 In case the amount is refunded as a result of disputing the transaction (operation), the bank is obliged to transfer the amount to the customer’s account within maximum 90 (ninety) days.