• With a chip card, transactions are conducted quickly and easily. Chip allows to conduct transactions without authorization by the bank, i.e., for example, when paying for goods at a shop, you have not to wait until a cashier obtains answer from the bank via POS terminal with all information required for conducting of transaction, so payment with a chip card at a shop or cash withdrawal from ATM will take only several seconds of your time.
• Chip cards are much safer than those with magnetic strip, they can not be fabricated. A payment chip card has higher protection level. Chip allows to protect information securely.
• Chip card is highly functional. You may have several cards in your purse now: discount, bonus, credit, salary card, etc – one chip card may function as all these cards. Payment chip card may contain both standard payment instruments, and different other applications.
• Chip card is visually customary for the user – it differs only by availability of a chip and looks like ordinary payment card, it also has a magnetic strip; it is easy to use, just as a card with magnetic strip.
   

1. Chip card makes conducting of transactions convenient – to verify transaction the client only needs to enter a PIN code. Service personnel at sales outlets is exempted from the necessity to demand from the buyer a signature and/or a document*.
2. Depending on parameters established for a card, part of transactions may be conducted without authorization by the bank (chip contains all information required for conducting of transaction: about account balance, card limits, etc, this saves time significantly, for example, when paying with a card), that provides maximal card solvency and saves your time.
3. Chip technologies allow to provide cardholders with a number of additional services, such as bonus schemes, cash and commodity purses, loyalty programs. And not only the program of issuing bank may be implemented, but also those of other organizations (for example, loyalty programs of air carriers, mobile operators, shopping networks, etc).
4. Chip card is safe – card data may not be copied by fraudsters, because information contained on microprocessor is securely protected with special cryptographic code.
5. Chip cards are first of all needed for those clients who often go abroad, where smart technologies have been actively used already, and most terminals read information from payment chip cards.
6. Chip card is more protected, it is not affected by electromagnetic fields which in everyday life may damage cards with magnetic strip.

1. Rules for usage of a chip card do not differ from those for usage of a card with magnetic strip. Detailed information about the rules for usage of a payment card you may obtain from the rules for usage of a payment card governing the procedure of usage of payment cards of OJSC "RODOVID BANK".
2. You shall not worry about whether ATM or cashier’s desk accepts chip cards: your chip card of RODOVID BANK contains also additional magnetic strip – so ATM or cashier may choose how to service your card - by magnetic strip or using a chip.
3. Depending on the type of your chip card, you will have to enter a PIN-code or to sign a slip when paying at sales outlets.
4. For your card the Bank established the following limits and regional restrictions, which you may change, if necessary, having filled in a relevant application at the Bank:

Daily restrictions as to quantity and amount of payment cards transactions *

* depending on card parameters established by the issuing bank.

Countries where transactions with RODOVID BANK cards are allowed*:

• China
• Hong Kong
• India
• Korea
• Philippines
• Singapore
• Thailand
• Poland
• Macao

* These restrictions are general and may be changed from time to time by the Bank unilaterally.