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General conditions for use of a bank card (visa, mastercard)

1. GENERAL TERMS
1.1. These Terms for use of bank card (VISA, Mastercard) of JSC ICB "EVROPEISKY" are an integral part of an application to issue an international bank card of JSC ICB "EVROPEISKY" and to open an account.
1.2. The VISA, MasterCard card (main and / or additional) – is a personalized international bank card (hereinafter - the card) of JSC ICB "EVROPEISKY" (hereinafter - the Bank), intended to carry out operations by the holder at the expense of the Holder’s funds on the card account, opened in the Bank. The card can be used as a means of payment in trade and service organizations, upon receipt of cash in cash points and ATMs, as well as in the execution of other operations, not prohibited by legislation of Russian Federation on behalf of the Holder. Possibility of the card usage is subject to presence of the payment system logo at the point of service.
1.3. Emission (hereinafter - the issue) and maintenance of the card is carried out in accordance with tariffs on issue and maintenance international JSC ICB "EVROPEISKY" (hereinafter – Bank tariffs).
1.4. Additional card – a card provided upon written request of the Holder of a main card for trustees.  Operations with additional cards are charged from the main card holder’s account.
1.5. The card is valid until the last day of the month indicated on the front of the card. Do not use cards with expired dates.
1.6. The card is a property of the Bank and after its expiration shall be returned to the Bank.
1.7. The cardholder is a physical person in whose name the card is issued and who is authorized to use the card on the basis of the agreement with the Bank.
1.8. The Bank issues a personal identification number (PIN) in a secure envelope - a digital code, which serves as the cardholder’s identifier at the time of a transaction. The PIN is used to confirm the authority of the card holder in payments and transactions with the card via electronic terminal or ATM. The PIN is used as an analogue of a cardholder’s handwritten signature on a document and is recognized by the Bank and the holder. It has equal legal validity with other personally signed forms of cardholder’s orders, including connection to banking services via ATMs or self-service units of the bank.
1.9. The Bank opens an account (hereinafter - the card account) for processing of transactions with the main and/or additional cards. Card account is opened with the pronouncement of the decision of the authorized officer of the Bank in accordance with the internal allocation of responsibilities, taking duly executed applications, and identification of the holder in accordance with the requirements of the Russian Federation legislation and regulations of the Bank of Russia.
1.10. Replenishment of the card account is executed on the order of the Holder to transfer funds from the holder's account in the bank or another bank or cash payment.
1.11. All accounts and records related to transactions via the card can be certified by personal signature of the Holder or by entering the PIN, if the operations are performed through an electronic terminal or an ATM.
1.12. In case the account the cardholder technical overdraft (unauthorized cost overruns, which is formed as a result of excess amounts committed by the Holder of debit transactions, taking into account the commissions charged by the Bank, over the balance of the account card or exceeding the debt limit under the contract of loan (in the form of overdraft) apply penalties in accordance with the tariffs.
1.13. The Bank is not liable in conflict situations arising from failure to fulfill these Terms by the Holder, as well as in all cases where such situations are beyond control of the Bank.
1.14. The Bank shall not be liable to the holder for the damages and conflicts that may arise in consequence of failure by the Holder of the Terms, as well as in all cases where such situations are beyond the control of the Bank.
1.15. The Holder authorizes the Bank to perform any act aimed to prevent operations with the card in case of detection of unauthorized transactions using the card or card details (the fact that the card has been compromised), and in cases of suspected attempts to conduct such operations, as well as in the case of payment systems information about the unauthorized use of the card or the possibility of such use.

1.16. The Holder authorizes the bank to reserve an amount of funds on the card account for up to thirty (30) calendar days pursuant to the authorization request using the card, as well as in the case of erroneous credit of funds. The funds reserved until receipt of withdrawal or cancellation of authorization received. 

1.17. In case of refusal of issuance of a card by the Holder, the fee for the issuance of is not refundable.

1.18. All disputes and disagreements which may arise between the Bank and the holder in the performance of these Terms, shall be settled on principles of mutual consent and on the basis of existing legislation. If no mutual agreement, disputed issues are resolved in court.
1.19. Funds placed on the card account are subject to insurance in the manner, extent and on terms established by the Federal Law N 177-ФЗ of 23.12.2003 "On the insurance of individual deposits in banks of Russia”.
1.20. Signature of the Client in an application to issue the bank card indicates that the Client is acquainted with Terms for use of bank card of JSC ICB "EVROPEISKY".

2. RIGHTS AND OBLIGATIONS OF THE BANK:
2.1 The Bank undertakes obligations to:
2.1.1. Not later than seven (7) working days from the acceptance of properly completed application of the Client, consider and decide on the feasibility of issuing the bank card to the Client. For applications with a mark "urgent", time to take the decision on feasibility and issuance of the card is 3 (three) working days.
2.1.2. Open and maintain the card account in accordance with the Bank tariffs.
2.1.3. Provide the holder with an account statement at his first request, but no later than 2 days after receipt of the application. Failure to receive claims related to the account statement from the holder within 10 calendar days from the date of the issue of the account statement is considered as proof of the correctness of the information in it.
2.1.4. Terminate the main and / or additional cards according to the written application of the Holder to terminate the card. Return of the balance of funds from the account to the holder of the main and additional cards are subject to the completion of all measures to settle the disputed transaction after 45 days from the date of the return of the card to the Bank (in case of failure to return the card - after 45 days from the date of expiry of the last issued card).
2.1.5. Keep the information about the card holder and committed operations in secret. Providing information to third parties can only be exercised in the manner prescribed by applicable law.

2.2 The Bank has the right to:
2.2.1. To refuse to issue or reissue the main and additional card for a new term in the cases stipulated by current legislation.
2.2.2. Write off the amounts of funds without acceptance from the card account in case of mistaken inclusions to the account, as well as in the cases stipulated in item 3.1.5 of these Terms.
2.2.3. In case of a technical overdraft on the account, violation of these Terms or other actions related to the use of cards and entailing financial losses to the Bank:
• block or terminate the main and additional cards, and take all the necessary measures, including the confiscation of the card;
• send a notice of a technical overdraft to the Holder and demand to return the main and additional cards to the Bank;
• surcharge the penalties on the amount of a technical overdraft for the period of the appearance of the overdraft to the date of actual payment in accordance with the Tariffs.

2.2.4. In case of outstanding incurrence on the card, to reduce the balance of other international cards issued by JSC ICB "EVROPEISKY" on the amount of the debt. To write off the amounts of funds without acceptance from other accounts of the Client opened in JSC ICB "EVROPEISKY" until repayment of the debt.
2.2.5. To perform the conversion of amounts from transactions in accordance with the tariffs, upon processing of transactions committed in a different currency from the currency of the card account.
2.2.6. Set limits on cash withdrawals from the card in the other banks in accordance with the rules of international payment systems, and in some other cases through notification of the Holder when an account statement is provided.
2.2.7. Modify these Terms and Tariffs with the notice of the Holder in following order:
- publication of an announcement with the full text of changes in all offices of the Bank
- publication of an announcement on the website of the Bank: www.icbe.ru
2.2.8. Block the card in the event of possible financial losses of the Holder with a notice.
2.2.9. The card, which was issued in concordance with a service contract of a salary project, in the case of dismissal of an employee may be blocked until the account is closed or re-registered for personal purposes according to the Tariffs upon the direct appeal of the employee to the Bank.

2. RIGHTS AND OBLIGATIONS OF THE HOLDER:

3.1 The holder must:
3.1.1. Comply with these Terms for use of bank cards, and in case of the presence of additional cards to enforce these Terms to all other holders of additional cards.
3.1.2. All transactions are made with the use of cards and calculations on them to comply with the legislation of Russian Federation, and do not use the Card for transactions that are illegal in the country in which they occurred.
3.1.3. Receive the card, to issue a notice of receipt for the card and the PIN envelope and sign it on the reverse side in the space reserved for the signature of the cardholder.
3.1.4. Inform the Bank in written form at the place of issuance of the card about changes of the data specified in the Application for issue of a card within 7 days from the date of their occurrence in order to reissue the card on new conditions of service.
3.1.5. Carry out operations using the card within the cash balance in the account, unless a permitted overdraft was provided under the agreement when all payments are made under the terms of the permitted overdraft. In case of technical overdraft the holder is obliged to repay it the same day, otherwise, this debt will be considered overdue. The amounts paid (credited) on the card account (including accrued interest), are sent, regardless of the purpose of payment specified in the payment document, in the following order:
• the repayment of penalties for technical overdraft;
• the repayment of technical overdraft.
Payment of penalties in advance cannot be performed.
3.1.6. Pay to the Bank unconditionally:
• the amounts of transactions made with the card (main and / or additional) to the date of return of card (s) to the Bank (inclusive), including the fees provided by Bank tariffs;
• the amounts related to the provision of additional services in accordance with the rules of international payment systems Visa and MasterCard and in accordance with the Bank tariffs.
• the amount of actual expenses incurred by the Bank to receive documents confirming the transaction, that will be used to prove groundlessness of the Holder’s claims;
• the amount of transactions made in violation of these Terms, including amounts related to the prevention and investigation of fraudulent use of cards, as well as the enforcement of holder’s debts in accordance with the calculation of actual costs.
3.1.7. Keep all records on transactions with the card within 6 months from the date of the transaction and provide them to the Bank on demand, or to resolve disputes.
3.1.8. Present an identity document at the request of employees of trade and service organizations or banks when performing transactions using cards.
3.1.9. Take measures to prevent the loss of the card, and unauthorized attempts to use it.
3.1.10. Inform the Bank immediately in case of loss of the card and follow the instructions. Any oral application of the Holder must be confirmed by a written application addressed to the Bank. Be financially responsible for all transactions committed before the date when the Bank received a written application, inclusively.
3.1.11. Immediately notify the Bank, if a card previously declared as lost is found, and then return the card to the Bank.
3.1.12. Submit a written application to the Bank in order to close the card account, return the main card and all additional cards (if were issued).
3.1.13. Return the card to the Bank at the place of its issuance in following cases: at the end of the term of the validity of the card; when the card is reissued; on the demand of the Bank to return the card not later than the day following the date of receipt of a written request of the Bank.
3.1.14. Keep the PIN secret; do not give the card to other persons.

3.2 The holder has the right:
3.2.1.To submit an application to reissue or to cancel the card.
3.2.2. To lay claim in the prescribed form to the Bank for disputed transactions within 10 calendar days from the date of receiving of an account statement.
3.2.3. To receive an account statement in the Bank at the place of opening a card account.
3.2.4. To apply to the Bank a written application for issuance of an additional card.
3.2.5. Independently establish limits on transactions (available limit), performed by using the card.