The rules of usage of corporate payment card of RODOVID BANK

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Card product business All calls are free within Ukraine 24 hours a day / For corporate clients / Payment cards / The rules of usage Corporate payment card Salary project The rules of usage Tariffs Types of cards Definitions of terms The rules of usage How to use PC and PIN code 1. Payment card (hereinafter the PC) is a property of the Bank and is given into the use of the holder. The Holder is an individual in whose name PC is issued. Validity period is specified on the PC face. Validity period of PC is automatically terminated on the last day of the month of the year specified on its face. Upon completion of validity period of PC the Holder or the owner of PC shall return PC to the Bank. 2. PC issued by the Bank is a tool of non-cash payments, use of which shall be governed by legislation of Ukraine, including normative and legal acts of NBU, rules of PS, agreement of opening of card account/accounts and its/their service, as well as by these Rules. 3. PC is issued together with its PIN code. When obtaining a PC, the Holder shall put his/her own signature (with a ball-paint pen) on the PC back on the panel for signature, in the presence of the authorized officer of the Bank, as well as to confirm receipt PC and PIN envelope with PIN code. 4. Under any conditions the Holder of PC shall keep his/her PIN code in secret, shall not write down PIN code on PC or on other things, which are usually kept together with PC. 5. The Holder has no right to transfer PC into disposal of the third persons. The Holder shall not disclose PC details, except for the cases stipulated in clause 7.2 of these Rules. The Bank shall give notice about the increased risk of PC use for settlements via Internet. 6. Settlements by means of PC shall be made within the spending limit. 7. If PC is used for payment for goods and services, the Holder shall keep an eye on it and before to sign a PC print (slip) or a bill from terminal equipment he/she shall make certain that an amount and date of transaction are specified correctly. By signing a slip or a bill, the Holder confirms accuracy of specified amount. The Holder of PC shall be given a copy of a drawn up bill or a slip. 8. Enterprises accepting PC as a payment tool for goods or services, as well as cash advance points of the banks may demand from the Holder of PC to submit the document confirming his/her identity with the purpose of confirmation that he/she is a legal Holder of PC. 9. The Holder of PC may obtain cash in cash advance points and via ATMs having PC logos. 10. The Holder of PC shall keep bills and slips confirming the fact of carrying out of transaction by means of PC to verify compliance of transaction with the Bank's statement. 11. To keep PC in working state, the Holder shall observe the following rules: not to make physical efforts to PC (not to bend it, etc); not to exposure PC to electromagnetic radiation (not to keep PC near mobile phones, magnets, household appliances, video- and audio devices). Cash advance via terminal equipment 1. The cashier passes PC through magnetic strip reader of terminal equipment and thus sends a request for authorization. After obtaining of a permit for carrying out of transaction the cashier hands over the bills printed by terminal equipment for signing by the Holder. 2. The Holder signs bills after verification of accuracy of information specified thereon. 3. The cashier compares signature of the Holder on bills with signature on PC and passport, as well as has a right to ask the Holder to put signature once again, if signatures do not coincide. If signatures do not coincide for the second time, the cashier has a right to reject the Holder in cash advance, whereupon cancels carried out transaction. 4. If signatures coincide, the cashier makes cash advance, returns PC and one copy of a bill. Cash advance by means of imprinter (except for PC Maestro , Visa Electron ) 1. The cashier makes print of PC by means of imprinter, fulfils slip, signs it and hands it over to the Holder for signing. 2. The Holder checks accuracy of fulfillment of a slip, whereupon signs it. 3. The cashier compares signature of the Holder on a slip with signature on PC and passport, as well as has a right to ask the Holder to put signature once again, if signatures do not coincide. If signatures do not coincide for the second time, the cashier has a right to reject the Holder in carrying out of transaction. 4. If signatures coincide, the cashier phones to authorization centre and obtains the code of authorization. 5. If permit for carrying out of transaction is given, the cashier makes cash advance, returns PC and one copy of a slip. 6. If the cashier obtains the answer to reject, he/she shall return the Holder a PC and tear the slip in his/her presence. In such case, the Holder shall not be given money. 7. If the cashier was given the answer of authorization service to withdraw a PC, he/she shall hand over to the Holder a receipt confirming that PC was withdrawn and shall tear the signed slip. The Holder shall make certain that PC was slightly cut by the cashier in order to avoid its use by other persons. Cash advance via automated teller machines ( ATMs ) To obtain cash via ATM the Holder shall: to make certain that ATM works (on the display a sign "Welcome" shall appear; if ATM does not work, on the display appears a sign "ATM does not temporarily works", "OFF LINE" - or it will not light on at all); to put PC into receiver of ATM with magnetic strip downward. On the screen appears a notice which allows to select the language; to select the language by pushing the buttons located near the corresponding sign, at that on the screen appears a notice "Enter PIN code"; to enter PIN code on the control panel, to push button located on the screen near the notice After entering, push this key, at that on the screen appears a menu allowing to select a transaction permitted for carrying out by means of PC. Be careful : In case of entering of incorrect PIN code, ATM gives a notice: this transaction is not allowed". If you entered incorrect PIN code three times, PC will be withdrawn. Cash advance: to press button located opposite the sign Cash advance, on the screen appear options of sums which the Holder may obtain, as well as the option another sum; to press button located opposite the desired sum, the desired sum appears via the advance slot, and the bill via the other slot; Note : When pushing the button located opposite the sign another sum, on the screen appears the line allowing to enter a sum you want. The required sum may be entered by means of keyboard. Minimum advance amount may be 5 (five) UAH. For example: one shall enter a sum of 150 UAH. For this one shall enter one after another: "1" "5" "0". If a sum is entered correctly, one shall push button located opposite the sign on the ATM screen "correct". If a sum is entered incorrectly, one shall push button located opposite the sign incorrect. If it is impossible to process the given amount, ATM will give a notice Would you like another sum?. to take PC and money advanced by ATM. Balance on CA: to press button located opposite the sign Account balance, ATM will give a bill on which balance on CA will be specified. A notice appears: Would you like another transaction? to select corresponding sign, depending on whether the Holder needs to carry out the next transaction. Non - standard situations : if you need to obtain greater sum than maximum possible one (technical restrictions of ATM for issue of certain quantity of banknotes), upon completion of cash advance transaction you shall repeat it from the beginning; in case of mistaken cash advance the Holder shall draw up an application in which he/she shall describe the circumstances of carrying out of transaction and submit a photocopy of bill issued by ATM. The Bank fully controls and fixes all transactions carried out via ATM, therefore at the next cashing there will be verification of ATM strip and under-note content of ATM cassettes in case of error. Within two working days since the moment of ATM cashing, state of CA of the Holder will be put in compliance with actual transactions (funds on CA will be replenished by short-received amount or reduced by obtained in ATM money surplus); In case of problems connected with ATM failure, advance of incorrect banknotes or withdrawal of PC, one shall apply to the bank by phone numbers specified on ATM. Settlements for goods and services by means of PC 1. At settlement for goods and services by means of PC, the Holder shall check a bill or a slip being issued to him/her, and shall sign it. This signature shall correspond to that one being put on PC. 2. By signing, the Holder confirms accuracy of the account and that of specified amount and corresponding obligations, as well as gives order for payment of an account in the Banks system in favor of this Trader. 3. If goods were returned or service was not rendered in full, the Holder of PC shall on its own apply to sales outlet in which the goods were purchased or service was rendered. 4. To return corresponding amount onto CA, employee of the trading/service enterprise has to issue a reverse receipt (credit voucher) for an amount of retuned goods/service. Payment for hotel services by means of PC After arrival at hotel the Holder may be asked to submit his/her PC to administrator or other authorized employee of the hotel for carrying out of previous authorization. Authorization shall be carried out for approximately calculated amount of hotel costs, depending on hotel rates. As the result of authorization this amount is blocked. At departure from the hotel the Holder shall submit his/her PC to administrator or other authorized employee of the hotel for carrying out of final settlements. At this, the Holder MUST remind to respective employee that authorization of his/her PC has been already carried out and that previously calculated amount of hotel service costs has been blocked; Hotel employee is obliged to give the Holder a slip (receipt) for signature confirming accuracy of hotel service costs; If the whole amount for accommodation was blocked by the hotel twice, the Holder shall apply to the Bank by phone numbers specified below to release it; If finally calculated amount of hotel service costs is more than that one blocked previously, the difference between them may be additionally authorized; If the Holder owes to the hotel, after his/her departure from the hotel a corresponding amount will be written off of his/her CA. Programs of guaranteed hotel room reservation in accordance with the rules of payment systems 1. All hotels accepting PC Visa and MasterCard (except for PC Visa Electron, Maestro may take part in the program of guaranteed hotel room reservation. 2. To reserve a hotel room, the Holder shall phone (send fax, e-mail message) to the hotel and inform his/her personal data (surname, name, patronymic, PC number, its validity period, etc), to describe the room (class, cost, etc), to specify the date and approximate time of arrival and departure. 3. The hotel shall inform to the Holder the order number (confirmation code) which is an official confirmation of room reservation. The Holder has a right to demand a written confirmation. 4. It is desirable that the Holder knew within which period before stipulated date of settlement into the hotel he/she may cancel a room reservation. This period shall not exceed 72 hours. 5. If the Holder may not arrive on stipulated date, he/she shall inform thereof to the hotel within the established period and shall obtain the order cancellation number (cancellation code) which is to be kept in the event of disputes. 6. If the Holder fails to settle into the reserved hotel room within the established period and does not cancel thereupon this reservation, the hotel shall keep it unoccupied within one day starting from stipulated time of settlement in case of unforeseen delay on the journey. 7. If within one day since stipulated time of settlement the reserved room was not occupied, the hotel has a right to obtain a payment for its services in the amount of accommodation costs per night in the hotel. 8. If the Holder reserved a hotel room, and after arrival it turned to be no free rooms in the hotel, the hotel shall provide the Holder free of charge with the following services: room of the same class in the other hotel and transportation thereto; 3-minute international conversation. Loss and illegal use of PC 1. You shall take all possible actions to prevent loss, theft or illegal use of PC. 2. You shall remember your PC details (number, validity period, name of issuing bank, as set forth on PC). The Bank does not guarantee blocking of your PC upon your request in case of loss, if you fail to inform your PC details. 3. If PC was lost, stolen or became unusable for other reasons, as well as if PIN code became known to other person, you shall immediately inform thereof to the Bank orally by phone number (+380 44) 255-81-11 and confirm your personal data (surname, name, patronymic, PC number, password (code word)), to put PC onto stop-list and obtain registration number of the call. If you fail to obtain such number, your claims as to putting of PC onto stop-list will not be accepted. 4. To confirm in writing your oral notice about the loss/theft of PC or disclosure of PIN code and request for putting of PC onto stop-list within the period of at least (three) working days since the moment you have given an oral notice. Written confirmation shall be sent at the address of the Bank by registered post or by fax (+380 44) 255-86-08 or may be given personally by you when visiting the Bank. 5. If PC was lost abroad, you shall inform thereof to the Bank and if it is impossible, you shall inform thereof to MasterCard or VISA client support service having applied to the other nearest bank having the logo of corresponding payment system. 6. After the Bank obtains your application about loss of PC, it undertakes responsibility for PC transactions, except for those which are carried out without authorization. 7. You bear responsibility for all sums on PC transactions, if you transferred PC to other person or failed to inform about the fact of its loss to the Bank. 8. If your PC which was previously put onto stop-list was found, you shall immediately inform thereof to the Bank and return PC. It is forbidden to use such PC. We hope that use of payment cards of OJSC RODOVID BANK will be pleasant and convenient for you! Read also Useful advices to payment cards owners Electronic service Salary project Write us Print version On-line application Payment card News Interview Electronic service Mobile-banking Client-bank Home-banking On-line calculators Deposit calculator Currency calculator Credit calculator Bonus calculator Feedback Ask the Bank's employee Your suggestions concerning the Bank's web-site On-line polling © 2007-2008 OJSC “RODOVID BANK” Head Office: 1-3, Pivnychno-Syretska Street, Kyiv, 04136, Ukraine Telephones: +38 (044) 200-20-02, 8-800-50-8888-0 License of NBU ¹27 dated 11.10.2004