CONSEIL EN DELOCALISATION OFFSHORE ET INTERNATIONALE
NOTE D’EXPLICATION SUR LES FORMULAIRES D’OUVERTURE DE COMPTE
P.1 à 3 CUSTOMER REGISTRATION CARD Ces 3 premières pages décrivent les coordonnées de la société, la vôtre ainsi qu’un profil du compte décrivant l’activité et le type d’opérations effectuées sur le compte P.4 à 5 CORPORATE CURRENT ACCOUNT AGREEMENT Ce formulaire est la demande d’ouverture de compte que vous signez au nom de votre société en tant que seul représentant. P.6 SIGNATURE AND SEAL SAMPLE CARD COMPANY Cette page comme demandé dans notre mail doit être imprimée en deux exemplaires. Il s’agit de votre carton d’échantillon de signature. Votre signature apparaît dans le carré central et sera scanné par la banque comme référence de votre signature. Elle doit être identique à celle de votre passeport et celle que vous apposerez dans l’ensemble des formulaires et plus tard sur tout ordre transmis par fax à la banque. P.7 ACTUAL BENEFICIARY IDENTIFICATION CARD Ce formulaire définit les bénéficiaire économique réels de votre société, vous, (et votre éventuel associé) en l’occurrence.
54 Brivibas St RIGA, LV 1011, Latvia Tel : 00 371 702 0560 Fax : 00 371 702 0562 Votre conseiller : Serge SCHUKA Email :
[email protected]
P.8 à 9 GENERAL TERMS AND CONDITIONS OF THE BANK Conditions Générales d’Ouverture de Compte P.10 APPLICATION FOR THE ISSUE OF TEST TABLE Ce document va vous permettre de recevoir une clé USB ou CD ROM permettant de vous créer des codes secrets lors de vos échanges avec la banque. (Pour son utilisation voici le lien www.francepermettant l’usage. offshore.fr/pdf/Test_Key.pdf ) P.11 à 12 REMOTE BANKING AGREEMENT Contrat d’utilisation du service www.rbworld.lv l’interface bancaire qui vous permet de consulter votre compte mais également effectuer des virements immédiats en ligne, des opérations de change de devises ou créditer et débiter vos différents comptes interne. P.13 à 17 ON ISSUE OF RIETUMU BANKA CORPORATE PAYMENT CARD MASTERCARD/VISA Formulaires de commande de votre carte Visa / Mastercard ainsi qu’en P.17 les conditions générales de carte Visa/Mastercard.
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
CUSTOMER REGISTRATION CARD
Riga,
/ 200
/
CORPORATE
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
Company Name
Date of Incorporation / Month / Year
Registration No. Country of Registration
Country Code
Resident of Latvia
Tax-payer’s Code Legal Address: Street, Number, Office
City
Country
ZIP Code
Address for Correspondence (if different from the legal address) Street, Number, Office City
Country
ZIP Code
Phone
Fax
E-mail
www
Main Business Area
Secondary Business Area
Nature of Business and Description of Business Activities (please, provide detailed information)
Number of Employees Countries of Business
Major Business Partners in the specified Business Areas
/
/
Non-Resident of Latvia ✔
Purpose of Account Opening in Latvia (for Non-residents of Latvia only)
Purpose of Account Opening with Rietumu Banka
Source of Funds on Account(s) in Rietumu Banka
to keep bank account in the EU
for business of the company
company business
Date of the Latest Audit of the Company (the Auditor’s Name)
Source of Information about Rietumu Banka References from banks or business partners
provided by the client's bank
Are any representatives or management of the Company (or their close relatives) currently involved or have been involved lately in political activities or performed important state duties? Please, provide detailed information.
No
Contact persons, through whom the Bank may contact you (name, surname, phone, e-mail):
How do you plan to work with Rietumu Banka? through Rietumu Banka’s branches ✔
via the Internet
by modem ✔
by fax / by phone
Which banking services and products do you currently require and will require in future? ✔
Current Account (payments, foreign exchange)
✔
Payment Cards (credit cards, debit cards) Trade Finance Asset Management, Brokerage Credit Products Term Deposits Safe Deposit Boxes Other (please, specify):
Estimated Monthly Account(s) Turnover (consolidated) What share (%) of total Company’s Turnover to be expected in Rietumu Banka Estimated Monthly Account(s) Balances (consolidated)
in Currency
100% in Currency
EUR
Description of Expected Account Transactions in Rietumu Banka Incoming Transactions LVL
Transaction Currency
✔
EUR
Outgoing Transactions USD
LVL
Other Currency Number of Transactions per month Purpose of Payment (please provide detailed information)
✔ 0-10
✔ EUR
USD
Other Currency 11-50
51-100
100+
✔
0-10
11-50
51-100
100+
for goods
business expenses
for services other purpose
Transactions (%)
to private individuals
from private individuals from legal entities
100%
to legal entities
Additional Information:
By signing the present document, I confirm the authenticity of the provided information and undertake to immediately notify the Bank in writing of any essential changes.
Name
Surname
National ID No. / Passport No.
Date of Birth: date / month / year
Citizenship
Resident of Latvia
Country Code
/
/
Non-Resident of Latvia ✔
Phone
Position
(Signature)
I confirm the identity and the authenticity of the signature of the above mentioned person
(Signature)
(Name, Surname)
Customer ID
Customer registred by Documents examined by
(Name, Surname)
(Signature)
(Name, Surname)
(Signature)
/
/ 200
/
/ 200
For Bank Use Only:
AH101JVE 21.11.05.
CORPORATE CURRENT ACCOUNT AGREEMENT
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
Riga,
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
/
/ 200
Account Holder Company Name Registration No.
Customer ID
Represented by
, acting by
POA
Legal Address: Street, Number, Office
City
Country
ZIP Code
Tax-payer’s Code
hereinafter referred to as “the Customer”, on the one hand, and JSC “Rietumu Banka”, UR No. 40003074497, 54 Brivibas Street, Riga, LV-1011, Latvia, represented by
, acting by Power of Attorney,
hereinafter referred to as “the Bank”, on the other hand, concluded the following Agreement: 1. The Bank opens for the Customer the current account No.
2. The Bank undertakes to provide services for the Customer in accordance with the applicable laws of the Republic of Latvia and the General Terms and Conditions of the Bank approved by the Bank. 3. The Customer undertakes to operate in accordance with the requirements of the legal acts of the Republic of Latvia and the General Terms and Conditions of the Bank being an integral part of this Agreement. By signing the present Agreement, the Customer acknowledges as having received and read the General Terms and Conditions of the Bank, and agrees to be bound by them. 4. Additional provisions:
Customer
Bank (Name, Surname)
(Name, Surname)
(Signature)
(Signature)
Seal
Account opened by
Seal
(Name, Surname)
(Signature)
/
/ 200
BD096JVE 21.11.05.
CORPORATE CURRENT ACCOUNT AGREEMENT
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
Riga,
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
/
/ 200
Account Holder Company Name Registration No.
Customer ID
Represented by
, acting by
POA
Legal Address: Street, Number, Office
City
Country
ZIP Code
Tax-payer’s Code
hereinafter referred to as “the Customer”, on the one hand, and JSC “Rietumu Banka”, UR No. 40003074497, 54 Brivibas Street, Riga, LV-1011, Latvia, represented by
, acting by Power of Attorney,
hereinafter referred to as “the Bank”, on the other hand, concluded the following Agreement: 1. The Bank opens for the Customer the current account No.
2. The Bank undertakes to provide services for the Customer in accordance with the applicable laws of the Republic of Latvia and the General Terms and Conditions of the Bank approved by the Bank. 3. The Customer undertakes to operate in accordance with the requirements of the legal acts of the Republic of Latvia and the General Terms and Conditions of the Bank being an integral part of this Agreement. By signing the present Agreement, the Customer acknowledges as having received and read the General Terms and Conditions of the Bank, and agrees to be bound by them. 4. Additional provisions:
Customer
Bank (Name, Surname)
(Name, Surname)
(Signature)
(Signature)
Seal
Account opened by
Seal
(Name, Surname)
(Signature)
/
/ 200
BD096JVE 21.11.05.
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
SIGNATURE AND SEAL SAMPLE CARD COMPANY
Riga,
/ 200
/
Account Holder Company Name Account No.
Customer ID
Herein we present specimen signature(s) and seal(s), which we request to consider obligatory for all transactions with the accounts in Rietumu Banka. The Authorised Representatives with signatory rights are: 1
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia
Non-Resident of Latvia
Country Code ATTENTION! Your specimen signature should stay within the lines.
Position Representative ID 2
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia Position
Non-Resident of Latvia ✔
POA
Country Code ATTENTION! Your specimen signature should stay within the lines.
Representative ID 3
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia
Non-Resident of Latvia
Country Code ATTENTION! Your specimen signature should stay within the lines.
Position Representative ID Embossed Seal Specimen:
Ink Seal Specimen:
Special Instructions:
By signing below, I confirm the authenticity of the provided information. I shall bear all risks, as well as possible losses, arising from the activities performed by the Authorised Representatives. (Position)
(Name, Surname)
(Signature)
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
SIGNATURE AND SEAL SAMPLE CARD COMPANY
Riga,
/ 200
/
Account Holder Company Name Account No.
Customer ID
Herein we present specimen signature(s) and seal(s), which we request to consider obligatory for all transactions with the accounts in Rietumu Banka. The Authorised Representatives with signatory rights are: 1
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia
Non-Resident of Latvia
Country Code ATTENTION! Your specimen signature should stay within the lines.
Position Representative ID 2
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia Position
Non-Resident of Latvia ✔
Country Code
POA
ATTENTION! Your specimen signature should stay within the lines.
Representative ID 3
Name
Surname
National ID No.
Date of Birth: date / month / year
/
/
Passport No.
Passport Issued: date / month / year
/
/
Issuing Authority Date of Expiration: Resident of Latvia
Non-Resident of Latvia
Country Code ATTENTION! Your specimen signature should stay within the lines.
Position Representative ID Embossed Seal Specimen:
Ink Seal Specimen:
Special Instructions:
By signing below, I confirm the authenticity of the provided information. I shall bear all risks, as well as possible losses, arising from the activities performed by the Authorised Representatives. (Position)
(Name, Surname)
(Signature)
Riga, www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
/
/ 200
ACTUAL BENEFICIARY IDENTIFICATION CARD
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
Account No. Customer
Date of Incorporation
Registration No./National ID No. Àddress Passport No.
Date of Issue
/
/
Date of Birth
/
/
Issuing Country and Authority Authorised Representative National ID No.
Issuing Country and Authority
Passport No.
Date of Issue
/
/
Residential Address
I hereby certify that the actual beneficiaries of the funds in the account are: Identification Data:
Employment Details of the Actual Beneficiary/-ies
By signing the present document, I confirm the authenticity of the provided information and undertake to immediately notify the Bank in writing of any essential changes.
(Position)
(Signature)
(Name, Surname)
BE414KVE 21.11.05.
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone +371 7025555, fax +371 7025588, e-mail
[email protected]
GENERAL TERMS AND CONDITIONS OF THE BANK
Approved by Board of JSC “Rietumu Banka”, Minutes No. 73, November 21, 2005
1. General Conditions and Customer Identification 1.1. The present General Terms and Conditions of the Bank (hereinafter referred to as “the Terms and Conditions”) shall govern relations between a Customer (hereinafter referred to as “the Customer”) and JSC Rietumu Banka (hereinafter referred to as “the Bank”) upon delivery and receipt of financial services and performance of banking operations between the Parties, unless stipulated otherwise by contracts and agreements concluded by and between the Parties. 1.2. These Terms and Conditions are binding on all the Customers of the Bank, as well as their legal successors (heirs). By applying for or availing of the services, the Customer acknowledges as having read, understood and accepted the present Terms and Conditions. 1.3. Upon opening an account (accounts), delivery of financial services or conducting banking operations, the Bank shall identify the Customer in accordance with the legal acts of the Republic of Latvia and internal regulatory framework of the Bank. 1.4. Upon opening an account (accounts) with the Bank to verify the identity of the Customer, he/she is obliged to submit the following originals or their duly certified copies: a) For legal entities: - Certificate of Incorporation; - Articles of Association; - Tax-Payer Certificate (for residents only); - A document confirming the authority of the representatives to sign documents on behalf of and for the company (for residents – a reference from the Enterprise Register of the Republic of Latvia); - Documents confirming the authority of the representatives who operate with an account, as well as their personal identification documents; - Documents confirming the position of the authorised representative held in the company; - Certificate of Good Standing (for non-residents only, if the company when opening an account (account) has been operating for more than 12 months); - Actual Beneficiary Identification Card. b) For private individuals: - A personal identification document, i.e., a passport or an ID card; - Actual Beneficiary Identification Card. The Bank at its sole discretion and/or in order to comply with the legal acts of the Republic of Latvia may request the originals of other documents or their certified copies verifying the identity of the Customer. 1.5. The Customer undertakes to submit all the necessary documents requested by the Bank, including information about the beneficiary. The Customer shall be liable for the authenticity and truthfulness of all the information provided to the Bank. 1.6. The Bank is entitled to request any additional information pertaining to the Customer’s business, including the company’s financial statements (annual report, balance sheet statement, income statement, etc.), copies of basic business transaction documents, copies of invoices and other documents. The Bank also reserves the right to decide unilaterally on the scope and contents of additional information that is subject to delivery. 1.7. The Customer hereby undertakes to provide the Bank with the upto-date information and to immediately notify the Bank of any changes in the provided information during the whole period of contractual relations between the Bank and the Customer. In the event of delivery of false, outdated or incomplete information to the Bank, the Customer shall cover all the losses incurred or which may have arisen as a consequence thereof. 1.8. In the event of the change of authorised representatives and/or the replacement of the seal, if any, the Customer shall notify the Bank immediately thereof and complete a new Signature and Seal Sample Card. In the event of failure to perform the aforesaid by the Customer the Bank is not liable for the Customer’s instructions performed by the Bank and signed by representatives without proper signatory rights. 1.9. In case no written notice on limitations of capacity of the Customer or his/her authorised representative has been submitted to the Bank in due time the Customer shall be liable for any losses/damages arisen as a
consequence due to the limitations of the capacity of the Customer or his/her authorised representative. 1.10. The Bank shall assign an account number and a customer ID number to the Customer, as well as an ID to the Customer’s authorised representatives. Furthermore, the Customer (his/her authorised representatives) shall independently specify an account password. The account number, ID numbers and the password shall be used at the Bank for identification of the Customer (his/her authorised representatives) in communication with the Bank. 1.11. Upon verification of the Customer’s signature, while executing banking operations, the Bank shall confine itself to visual verification of the specimen signature and seal imprint provided on Signature and Seal Sample Card and/or verify the received message authenticated with the “Test key”. The Bank shall not take into account the colour of the seal. 1.12. The Bank shall not be liable for the authenticity of the documents submitted by the Customer or debiting of funds from the Customer’s account on the basis of false or illegal instructions provided that the signature or seal imprint visually coincides with the specimen in Signature and Seal Sample Card and in case “Test keys” are calculated correctly and in compliance with the algorithm. 1.13. The Bank reserves the right to conduct video surveillance within the premises of the Bank and to audio-record telephone conversations with Customers. Such video and audio recordings may be considered sufficient proof of the issue of the instructions and serve as legal evidence, resulting in Customer’s rights, liabilities and obligations. 1.14. When the information is placed on the Bank’s web-site www.rietumu.lv, www.rietumu.ru, www.rietumu.com, it is deemed to be received by the Customer within three days from the publishing date. 1.15. The Customer, upon submitting information and data on him/herself, gives his/her consent for their maintenance, processing and usage at the Bank. 2. Banking Operations and Delivery of Financial Services 2.1. The Bank shall deliver financial services and perform banking operations, including execution of payment orders, only after receiving relevant instruction given by the Customer, with the exception of cases stated in Clause 2.10 herein. 2.2. Operations with the Customer’s accounts and any transactions therewith shall be executed in accordance with the Customer’s instructions and within the balance of funds available on the account which shall be sufficient to cover fees charged by the Bank for its rendered services. 2.3. Incoming funds are transferred to the Customer’s account in the respective incoming currency. The Bank shall transfer funds to the Customer according to the specified account number. In case the specified account number and the beneficiary’s name fail to coincide, the Bank shall have the right not to credit the account in question. 2.4. Any type of an instruction given by the Customer to the Bank shall include a precisely formulated subject of the banking operation and any corrections, confirmations or repetitions therein shall be noted as such. Payment orders (or transfer orders) shall contain account numbers of the remitter and the beneficiary, as well as their full names and detailed information on the purpose of the payment. Upon performance of external payments, the Bank is not obliged to verify the validity of account numbers and names of the beneficiary’s accounts. The Bank does not accept payment orders for execution, which fail to comply with the legal acts of the Republic of Latvia and requirements set by the Bank. 2.5. Payment documents submitted to the Bank for their execution shall be valid for 10 calendar days starting from the date indicated on the payment document. Payment documents transmitted to the Bank electronically shall be valid for 5 calendar days starting from the date of their receipt by the Bank. Upon expiry of the aforesaid period the Customer is obliged to submit new payment documents to the Bank. 2.6. The Customer’s order (instruction) given to the Bank via remote banking systems shall be given according to General Terms and Conditions of the “Remote Banking Agreement”. Any order given to the Bank via facsimile and/or telefax shall contain a “Test key” (an authenti-
cation code) issued in accordance with the conditions of the concluded agreements. When sending an order by fax, the order or other documents apart from the “Test key” shall contain the Customer’s signature and a seal imprint, if applicable, unless stipulated otherwise. The Customer confirms that the faxed order and/or other Customer’s documents, containing the “Test key” calculated correctly in compliance with the algorithm, shall, by its legal force, be regarded as equal to the original. Prior to executing such orders, the Bank shall not be obliged but shall have the right to require (as a precautionary measure) a confirmation of the transaction from the Customer. When using other means of remote banking, the Customer shall undertake all risks indicated in the “Remote Banking Agreement”. Upon execution of the Customer’s orders, the Bank shall not be liable for any costs, errors, misinterpretations, etc., as a result of the distortion of the electronically transmitted information in the order (by telex, fax, etc.) or due to other reasons beyond the Bank’s control. Upon signing these Terms and Conditions, the Customers confirms that information given to the Customer by the Bank via remote banking systems shall be regarded as received by the Customer. When providing service to the Customer at the operational hall of the Bank, any order given by the Customer shall contain the Customer’s signature and a seal imprint, if applicable. 2.7. The Customer, when meeting these Terms and Conditions, shall have the right to give orders to the Bank by phone, including but not limited, concerning payment orders, foreign exchange orders, orders to buy and sell securities and to place term deposits.
2.11. All complaints by the Customer pertaining to inappropriate execution of the Customer’s orders (instructions) shall be presented to the Bank within 30 calendar days starting from the day when the Customer has submitted the relevant order (instruction) to the Bank. In case there are no complaints from the Customer within the stated period, it is believed that the Customer agrees to all operations, performed with his/her account (accounts). 2.12. The Bank shall have the right to cancel or unilaterally correct any transactions with an account (accounts) performed due to Bank employees’ mistake. 2.13. The Bank shall guarantee confidentiality of the Customers’ personal data, their accounts, deposits and transactions. The Customer confirms that, except for cases stipulated by the legal acts of the Republic of Latvia, the Bank may disclose information on the Customers’ accounts and the performed transactions to correspondent banks upon the official inquiry. 2.14. The Bank shall have the right to unilaterally terminate the service of the Customer’s account (accounts) and delivery of other services or execution of banking operations without giving a reason thereof. The contractual relations with the Customer are suspended in case the term of authorisation for the Customer’s authorised representative (representatives) has expired, until the Bank receives relevant valid documents, as well as the validity term of identification documents of the Customer and/or Customer’s authorised representative (representatives) has expired until the Bank receives valid identification documents. 2.15. The Bank shall close the Customer’s accounts within 7 days subject to receipt of a written application from the Customer provided that the Customer has discharged all his/her liabilities and obligations towards the Bank. The Bank shall have the right to close accounts that have been dormant for 12 consecutive months and in case there are no funds available in the accounts.
The Bank shall have the right to unilaterally state the maximum amount of a transaction and/or a payment to be executed by phone. Moreover, the audio recording of the Customer’s phone orders shall be regarded as legal evidence for the existence of such Customer’s order and sufficient to result in rights, liabilities and obligations of the Bank and the Customer.
2.16. Upon terminating contractual relations with the Customer, the Bank shall not return any documents submitted by the Customer.
2.8. When giving an order by phone, the Customer (his/her authorised representative) shall name his/her full account number, the customer ID (ID of the authorised representative) and the password stated in Appendix to the “Account Agreement” signed by the Customer. To submit the payment order to the Bank by phone, the Customer shall additionally name his/her “Test key”.
2.17. Legal relations of the Parties in respect of account opening, granting of loans, overdrafts, term deposits, delivering services for the use of remote banking systems and other services are governed by the agreements, as well as regulations, terms and conditions concluded by the Parties and general banking terms and conditions and legal acts of the Republic of Latvia.
The Customer confirms that, when using telecommunications, it shall be sufficient for the purpose of the Customer’s (his/her authorised representative’s) identification and execution of operations with his/her account (accounts) to name his/her full account number, the customer ID (ID of the authorised representative) and the password, and additionally name the “Test key” for the payment order.
2.18. Fees payment procedure rendered by the Bank, as well as fees’ amount is specified in the Bank’s Rates and Fees Schedule, unless stipulated otherwise in the agreements concluded by and between the Parties.
2.9. The Bank is expressly exempted from any liabilities for the Customer’s losses resulting from the payment errors, negligence, delays or other activities or failure to act by the correspondent bank and/or a third party. Likewise, the Bank is further relieved of any liabilities arising from the financial standing of the correspondent bank or a third party in case the Customer has ordered the Bank to perform the payment or operate via this particular correspondent bank or the third party. 2.10. The Customer hereby authorises the Bank to debit his/her account without his/her authorisation: - in cases stipulated by legal acts of the Republic of Latvia; - in the case of payment for services rendered by the Bank; - in the case of discharge of liabilities towards the Bank; - in the case of reimbursement of expenses to the Bank incurred during the commercial relations with the Customer; - in the case of an error made by the Bank upon transferring of funds.
2.19. The Bank hereby reserves the right to amend these Terms and Conditions, amend and supplement the Bank’s Rates and Fees Schedule, the aforesaid documents are available to the Customer at the Bank or on the Bank’s website at www.rietumu.lv, www.rietumu.ru, www.rietumu.com. In case the Customer disagrees with the changes, he/she has the right to terminate his/her contractual relations with the Bank provided that the Customer has discharged all his/her liabilities and obligations towards the Bank in full and has given a relevant notice in writing to the Bank. 2.20. All disputes between the bank and the Customer shall be settled by means of negotiations. Should the Parties fail to reach an agreement by negotiations, the dispute shall be referred to the courts of the Republic of Latvia in accordance with the legal acts of the Republic of Latvia or to the Court of Arbitration of the Association of Latvian Commercial Banks in case it is stipulated so in the agreements concluded by and between the Parties.
I/we have read these Terms and Conditions and undertake to fulfil them during the validity time of the agreement concluded with JSC “Rietumu Banka”. Customer
(Name, Surname)
(Signature)
Riga,
/
Seal
/ 200 BO025KVE 01.09.05.
Riga, www.rietumu.lv Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone + 371 7 025555, f ax + 371 7 025588, e -mail i
[email protected]
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/
APPLICATION FOR THE ISSUE OF TEST TABLE
Approved by Board of JSC Rietumu Banka, Minutes No 15, April 4, 2006
Customer
(Full name)
Represented by: Name
Surname
Passport No. Please, issue a new Test Table (Means of Authorisation), stored on the following media: CD
✔
USB Flash Drive
Floppy Disk
The way of receiving the Test Table (Means of Authorisation):
Х The Bank sends the Test Table (Means of Authorisation) via express mail service to the address stated below (at customer's expense)
Postal code
Street, house, apartment City
Phone
Country
ATTENTION! The issued Test Table is not active. In order to activate the Test Table, “Test Table Receipt Confirmation” form should be submitted to the Bank and the password for activation should be stated. Provided the above-mentioned documents are received, the Bank activates the Test Table. I hereby authorise the Bank to use the following password in order to activate the Test Tables: Password for activation of the Test Table: (with Latin letters or digits, no less than 5 and no more than 15 symbols, without spaces, or punctuation marks or other service symbols; the password cannot consist of identical symbols)
While assigning the password for activation, I fully realised that this information is strictly confidential and must not be disclosed to the third party. I shall bear all risks as well as all losses related to safekeeping and use of the password.
I fully realise that the Test Table and the Means of Authorisation are strictly confidential and must not be disclosed to the third party. I shall bear all risks related to safekeeping and use of the Test Table (Means of Authorisation).
Representative
(Name, Surname)
(Signature)
FILLED BY THE BANK: Representative is assigned with the following identification data: Customer ID Representative ID
(Name, Surname)
(Signature)
BE531KVR 10.04.06.
www.rietumu.lv
Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone + 371 7 025555, f ax + 371 7 025588, e -mail i
[email protected]
REMOTE BANKING AGREEMENT
...
Riga,
Approved by Board of JSC “Rietumu Banka”, Minutes No. 83, 19.12.05.
/
/ 200
JSC “Rietumu Banka”, Unified Registration No. 40003074497, 54 Brivibas Str., Riga, LV-1011, Latvia, represented by
acting by power of attorney
further – the “Bank”, on the one hand, and Name
Surname
National ID No. / Passport No.
Date of Birth: date / month / year
/
/
Phone
Citizenship
E-mail
further – the “User”, on the other hand, have concluded this Agreement enabling the User to manage via Remote Banking System(s) (further – the “System”) account(s) of the Bank Customers, whether private individuals or legal entities, whose account(s) the User is authorised to manage. This Agreement and General Terms and Conditions of Remote Banking Agreement govern legal relations on the use of remote banking system(s). The Bank provides a means for the User to remotely manage all accounts of Bank Customers, whether private individuals or legal entities, whose accounts the User is or will be authorised to manage while the Agreement is in force, EXCEPT the following accounts* (if appropriate, please specify account(s) No.): 1. Account No. 2. Account No. 3. Account No. 4. Account No. 5. Account No. 6. Account No. 7. Account No. *Adjustable later
X Rietumu BankWorld (Internet Banking) X Full-access mode – fill-in items 1-4 1
Please select the service level (adjustable later)
✔ Level 1 – full functionality, without Personal Banker 2
Level 2 – full functionality, including Personal Banker
Please select Transaction Limits* (please indicate in EUR) *adjustable later
Single Transaction Limit
(by default EUR 20 000)
Daily Account Limit
(by default EUR 100 000)
Total Daily Limit for all Customer Accounts
(by default EUR 150 000)
(Name, Surname)
(Test Key)
(Signature)
-1/2-
3
The way to receive the digital certificate ✔
The User entrusts and authorise an employee of the Bank to generate the digital certificate and to register it in the Rietumu BankWorld. ✔
The Bank shall forward the certificate to the e-mail specified in the Agreement* The User shall collect the certificate at the Bank’s branch / representative office Floppy
CD
USB Flash Drive
The Bank shall send the certificate by courier mail to the address specified below* (postage is at Customer expense) Floppy
CD
USB Flash Drive
The Users shall generate the certificate on the webpage www.rbcertificates.lv and shall register it on the webpage www.rbworld.lv. * Upon the receipt of the digital certificate, the User is required to call the Bank on + 371 7020532 to activate access to Internet Banking 4
Please choose “Challenge Phrase” and “User Name” In relations between the Bank and the User pursuant to Remote Banking Agreement, the User authorise the Bank to use the following:
“Challenge Phrase” (a password for the digital certificate, from 8 to 13 characters without spaces, may include Latin letters and/or digits) “User Name” (from 5 to 20 characters without spaces, may include Latin letters and/or digits)
The User acknowledges that “Challenge Phrase” and “User Name” are strictly confidential and must not be disclosed to third parties. The User hereby undertakes all risks, including contingent losses related to keeping and using “Challenge Phrase” and “User Name”. By signing below, the User confirms that General Terms and Conditions of Remote Banking Agreement form an integral part of this Agreement. This Agreement is drawn in two copies, one copy to each party. Both copies have equal legal power.
The User has been identified as the Customer Representative: Customer Name Customer ID
Representative ID
Account No. Test Key User:
Bank:
(Name, Surname)
(Name, Surname)
(Signature)
(Signature)
Registered by (Name, Surname, Signature) Seal
I confirm the User identity and authenticity of the User signature
(Name, Surname, Signature, Seal)
HD203KVE 16.01.06.
-2/2-
B3
AGREEMENT No.
www.rietumu.lv Joint Stock Company “RIETUMU BANKA”, 54 Brivibas Str., Riga, LV-1011, LATVIA UR No. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS DEALING: RIET Telephone + 371 7 025555, f ax + 371 7 025588, e -mail i
[email protected] Approved by Board of JSC Rietumu Banka, Minutes No 1, January 15, 2007
ON ISSUE OF RIETUMU BANKA CORPORATE PAYMENT CARD MASTERCARD / VISA Please complete in BLOCK CAPITALS using black or blue ink and indicating your choice (X) where necessary. State dates in Day / Month / Year format.
/
Date
Place
/20
1 JSC “Rietumu Banka”, UR No. 40003074497, 54, Brivibas street, Riga, LV-1011, Latvia, represented by 2 Company Name
Customer ID
Registration No.
Date of Registration / month / year
Place of Incorporation
Country Code
Resident
/
/ Non-resident
Taxpayer Code 3 Legal Address: Street name
City
Country
Postal Code
Country
Postal Code
4 Business Address: Street name
City 5 Authorised Representative: Name
Surname
Representative ID Passport No.
National ID Code / Date of Birth Acting by (articles of association, power of attorney, other)
POA
Phone
6 Contact persons, could be contacted by the Bank if necessary:
Name
Surname
Phone
E-mail
Position
Name
Surname
Phone
E-mail
Position
7 Rietumu Banka opens a card account for the Customer and issues international payment cards linked to this account to the Cardholders, authorised by the Customer. ✔ EUR 8 Card Type: MasterCard Card Account Currency USD LVL ✔ Business Gold Platinum ✔ No Insurance for Business Card Yes VISA ✔ 9
Card *
Name
Surname
It is required to sign the Appendix to the Agreement “Additional Cardholder”
Card *
National ID Code / Date of Birth
Passport No.
Name
Surname
National ID Code / It is required to sign the Appendix Date of Birth to the Agreement “Additional Cardholder”
Card *
Passport No.
Name
Surname
National ID Code / It is required to sign the Appendix Date of Birth to the Agreement “Additional Cardholder”
Passport No.
Company's 10 Financial Information Current Account No.
Loans granted to the Company by Rietumu Banka: Loan type: Amount outstanding
in Rietumu Banka Yes
overdraft facility on current account
✔
No
mortgage loan Maturity date
credit line facility
overdraft facility on current account
Loan type:
mortgage loan
Amount outstanding
Maturity date
Company's Credit limits on card accounts at Rietumu Banka:
Yes
credit line facility
No
Amount
Payment type:
monthly
% redemption of the used credit limit amount
other
Amount
Payment type:
monthly
% redemption of the used credit limit amount
other
11 Information about Credit limit and collateral
✔
I wish to avail of credit limit facility
I will spend only funds available on the card
(Credit limit currency should match the card account currency):
Cardholder
Required Credit limit:
Cardholder
Required Credit limit:
Cardholder
Required Credit limit:
Type of Credit limit:
Credit Line facility
Credit limit is:
Standard Credit
Credit limit must be repaid by
/
permanent
issued until
(amount) (amount) (amount)
Other at the end of maturity
/ /
/
Offered collateral: Other collateral:
without collateral
✔
Collateral deposit:
250 EUR (Amount)
Current Account No.
term deposit in Rietumu Banka:
(Term)
(Amount)
Term Deposit Account No. third party guarantee:
(Guarantor’s Name, Surname or Company name)
in Rietumu Banka
Current Account No. 12 Delivery of Card Statements:
to Legal address
✔
to another address
to Business address
no statements required
Address for statements (if other than Legal or Business address): City 13 The Card(s) and PIN(s) delivery:
Country
✔
receive on the Bank's premises
Postal code
Brivibas iela 54, Riga (please specify the branch, Name and Surname of the Card recipient)
send by courier mail to the following address 14 Please charge to the Company's Current Account No.
the following commission fees:
✔
in Rietumu Banka
Fee for express issue of the Card
Annual fee(s) for Card(s)
Courier delivery fee (Card and PIN)
Other 15 The Company's Authorised Representative confirms that all specified Cardholders are Company's employees and that all details provided on this Agreement are accurate and true. The Company and the Cardholders acknowledge as having read, understood and agree to follow the International payment card Visa, Visa Electron, MasterCard, Maestro issue and service Terms and Conditions and Credit limit granting and servicing agreement general Terms and Conditions. The Company hereby authorises Rietumu Banka to issue corporate Card(s) and PIN(s) to the persons, specified in the Appendix “Corporate Cardholder”. The Company undertakes full financial responsibility for these persons. The Company is obliged to immediately notify the Bank of any changes related to this Agreement. The Company confirms that the Bank may charge any Company's account(s) in Rietumu Banka to settle card debt.
Company's Authorised Representative (Name, Surname)
(Signature)
Date
/
Seal /20
Filled in by the Bank 16 Card Account No.
Granted Credit Limit
Type of Credit limit
Type of Service Tariff Bank representative
%
Credit limit annual interest rate
Security
(Position, Name, Surname)
Term of Credit limit
(Signature)
Date
/
/ 20 CD281JVE 17.01.07.
L6
www.rietumu.lv Akciju sabiedrība “RIETUMU BANKA”, Brīvības ielā 54, Rīgā, LV-1011, LATVIJA VR N r. 4 0003074497, S .W.I.F.T. R TMBLV2X, R EUTERS d īlinga k ods: R IET Tālrunis +371 7025555, fakss +371 7025588, e-pasts
[email protected] Apstiprināts AS “Rietumu Banka” Valdes sēdē 30.03.06., protokols Nr. 14
AGREEMENT No.
APPENDIX – CORPORATE CARDHOLDER Please complete in BLOCK CAPITALS using black or blue ink and indicating your choice (X) where necessary. State dates in Day / Month / Year format.
/
Date
Place
/20
1 JSC “Rietumu Banka”, UR No. 40003074497, 54, Brivibas street, Riga, LV-1011, Latvia, represented by 2 Card Account Holder Company Name Customer ID
Registration No. 3 Authorised Representative: Name
Surname
National ID Code / Date of Birth
Passport No. Representative ID
Acting by (articles of association, power of attorney, other) 4 Cardholder:
POA
Representative ID
✔ open a new account for the Card Card account No.
5 Name
Surname
/
Date of Birth / month / year
/
National ID Code / Date of Birth
Passport No.
/
Date of issue / month / year
/
Place of Issue 6 Residential Address: Street name Country
City Postal Code
Phone
e-mail
7 Name and Surname to be embossed on the Card (Name and Surname should match the Name and Surname in your passport and consist of Latin characters only)
8 Company Name to be embossed on the Card Voice Password for phone contacts
✔
Express Issue of Card
9 If you would like to set the Card limits, BELOW the limits set by Bank, please specify them herein: , Purchase Limit
Cash Withdrawal Limit
No limit
10 Cardholder's name, surname
Date
Cardholder's signature
/
/ 20
11 I hereby confirm, that all the provided information is accurate and true. The Company undertakes full financial responsibility for this person. Company's Authorised Representative name, surname Company's Authorised Representative signature
Date
/
/ 20 Seal
12 Kartes konta numurs
Bankas pārstāvis
(amats, vārds, uzvārds)
(paraksts)
Datums
/
/ 20 CP141FVE 30.03.06.
Apstiprinâts AS Rietumu Banka Valdes sçdç 2005. gada 18. oktobrî, protokols Nr. 67.
NODROÐINÂJUMA NOGULDÎJUMA LÎGUMS Nr.
www.rietumu.lv
SECURITY DEPOSIT AGREEMENT ÄÎÃÎÂÎÐ ÃÀÐÀÍÒÈÉÍÎÃÎ ÄÅÏÎÇÈÒÍÎÃÎ ÂÊËÀÄÀ
Akciju sabiedrîba “RIETUMU BANKA”, Brîvîbas ielâ 54, Rîgâ, LV-1011, LATVIJA VR Nr. 40003074497, S.W.I.F.T. RTMBLV2X, REUTERS dîlinga kods: RIET Tâlrunis +371 7025555, fakss +371 7025588, e-pasts
[email protected]
Datums / Date/ Äàòà
Vieta / Place / Ìåñòî
/
/
20
LÛDZU, LIETOJIET TIKAI DRUKÂTUS BURTUS / PLEASE PRINT / ÇÀÏÎËÍßÉÒÅ ÒÎËÜÊÎ ÏÅ×ÀÒÍÛÌÈ ÁÓÊÂÀÌÈ
personâ
AS “Rietumu Banka”, VR Nr. 40003074497, Brîvîbas iela 54, Rîga, LV-1011, Latvija JSC “Rietumu Banka”, UR No. 40003074497, 54 Brivibas Str., Riga, LV-1011, Latvia, represented by ÀÎ “Rietumu Banka”, ÅÐ ¹ 40003074497, óë. Áðèâèáàñ, 54, Ðèãà, LV-1011, Ëàòâèÿ, â ëèöå
Klients Customer Êëèåíò
Klienta identifikators repesented by â ëèöå
Customer ID Èäåíòèôèêàòîð Êëèåíòà
Pârstâvja identifikators
personâ
Representative ID Èäåíòèôèêàòîð ïðåäñòàâèòåëÿ
Reìistrâcijas Nr. / Personas kods
Pases numurs
Registration No. / National ID No. Ðåãèñòðàöèîííûé ¹ / Ïåðñîíàëüíûé êîä
Passport No. Íîìåð ïàñïîðòà
Pases izdoðanas datums / mçn. / gads
Izdoðanas vieta
Passport Issued: date / month / year Ïàñïîðò âûäàí: äàòà / ìåñ. / ãîä
Issuing Country and Authority Ìåñòî âûäà÷è
/
/
Adrese
Rezidents
Nerezidents
Valsts kods
Address Àäðåñ
Resident Ðåçèäåíò
Non-resident Íåðåçèäåíò
Country code Êîä ñòðàíû
Nodroðinâjuma noguldîjums tiek izmantots kâ nodroðinâjums Kartes konta îpaðnieka saistîbu izpildei: The Customer hereby agrees that the security deposit shall serve as a guarantee for fulfillment of obligations of the Ñard Account Holder: Ãàðàíòèéíûé äåïîçèòíûé âêëàä èñïîëüçóåòñÿ â êà÷åñòâå îáåñïå÷åíèÿ èñïîëíåíèÿ îáÿçàòåëüñòâ âëàäåëüöåì Êàðòî÷íîãî ñ÷åòà:
Kartes konta îpaðnieks (Vârds, uzvârds / Uzòçmuma nosaukums) Card Account Holder (Name, Surname / Company Name) Âëàäåëåö Êàðòî÷íîãî ñ÷åòà (Èìÿ, ôàìèëèÿ / Íàçâàíèå ïðåäïðèÿòèÿ)
Reìistrâcijas Nr. / Personas kods
Pases numurs
Registration No. / National ID No. Ðåãèñòðàöèîííûé ¹ / Ïåðñîíàëüíûé êîä
Passport No. Íîìåð ïàñïîðòà
Kartes konta numurs
Valûtas kods
Card Account Number Íîìåð êàðòî÷íîãî ñ÷åòà
Currency code Êîä âàëþòû
Kredîta limita summa (cipariem)
Kartes veids Card Type Âèä êàðòû
Credit Limit Amount (in figures) Êðåäèòíûé ëèìèò (öèôðàìè)
Visa
0
Valûtas kods Currency code Êîä âàëþòû
eur eur
Kredîta limita summa un valûta (vârdiem) Credit Limit Amount and Currency (in words) Ñóììà è âàëþòà Êðåäèòíîãî ëèìèòà (ïðîïèñüþ)
zero
Banka atver Nodroðinâjuma noguldîjuma kontu Nr. The Bank opens Security Deposit Account No. Áàíê îòêðûâàåò Ñ÷åò Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà ¹
Nodroðinâjuma noguldîjuma summa (cipariem) Security Deposit Amount (in figures) Ñóììà Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà (öèôðàìè)
250
Valûtas kods
Nodroðinâjuma noguldîjuma beigu datums
Currency code Êîä âàëþòû
Security Deposit Maturity Date Äàòà îêîí÷àíèÿ Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà
eur
Nodroðinâjuma noguldîjuma summa un valûta (vârdiem) Security Deposit Amount and Currency (in words) Ñóììà è âàëþòà Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà (ïðîïèñüþ)
Gada procentu likme (cipariem)
Gada procentu likme (vârdiem)
Annual Interest Rate (in figures) Ãîäîâàÿ ïðîöåíòíàÿ ñòàâêà (öèôðàìè)
Annual Interest Rate (in words) Ãîäîâàÿ ïðîöåíòíàÿ ñòàâêà (ïðîïèñüþ)
N/A
Noguldîjums tiek veikts
skaidrâ nauda
The Security Deposit shall be Âêëàä ïðîèçâîäèòñÿ
Deposited in cash íàëè÷íûìè
N/A
no Klienta konta Nr. ✔
Transfered from the Customer’s account No. ñî ñ÷åòà Êëèåíòà ¹
Procentus izmaksâ vienu reizi mçnesî, ieskaitot Klienta kontâ Nr. Interest (on the security deposit) shall be paid once per month by crediting the Customer Account No. Ïðîöåíòû âûïëà÷èâàþòñÿ îäèí ðàç â ìåñÿö ïóòåì çà÷èñëåíèÿ íà ñ÷åò Êëèåíòà ¹
N/A
Nâkamajâ darba dienâ pçc Lîguma darbîbas termiòa beigu datuma Nodroðinâjuma noguldîjuma summu un Procentus ieskaitît Klienta kontâ Nr. On the next working day after the Agreement maturity date, the Security Deposit and Interest shall be transferred to the Customer account No. Íà ñëåäóþùèé ðàáî÷èé äåíü ïîñëå äàòû îêîí÷àíèÿ ñðîêà äåéñòâèÿ Äîãîâîðà ñóììà Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà è Ïðîöåíòû çà÷èñëÿþòñÿ íà ñ÷åò Êëèåíòà ¹
Konta numurs Account number Íîìåð ñ÷åòà
Parakstot ðo Lîgumu, Klients apliecina, ka ir iepazinies ar Nodroðinâjuma noguldîjuma lîguma noteikumiem un apòemas tos pildît. / By signing the present Agreement, the Customer acknowledges as having read, understood and accepted the Terms and Conditions of the Security Deposit Agreement and Service Fees, and undertakes to fulfil them. / Ïîäïèñûâàÿ íàñòîÿùèé Äîãîâîð, Êëèåíò ïîäòâåðæäàåò, ÷òî îçíàêîìèëñÿ ñ óñëîâèÿìè Äîãîâîðà Ãàðàíòèéíîãî äåïîçèòíîãî âêëàäà, è îáÿçóåòñÿ èõ âûïîëíÿòü.
Klients
Banka
Customer Êëèåíò
Bank Áàíê (vârds, uzvârds / Name, Surname / èìÿ, ôàìèëèÿ)
(vârds, uzvârds / Name, Surname / èìÿ, ôàìèëèÿ)
(paraksts / Signature / ïîäïèñü)
(paraksts / Signature / ïîäïèñü)
ED031KVT 02.12.05.
Apstiprinâts AS “Rietumu Banka” Valdes sçdç 2005. gada 18. oktobrî, protokols Nr. 67
Approved by Board of JSC Rietumu Banka Minutes No. 67, October 18, 2005
Óòâåðæäåíî Ïðàâëåíèåì ÀÎ “Rietumu Banka” 18 îêòÿáðÿ 2005 ãîäà, ïðîòîêîë ¹ 67
Akciju sabiedrîbas “Rietumu Banka” NODROÐINÂJUMA NOGULDÎJUMA LÎGUMA NOTEIKUMI
Joint Stock Company “Rietumu Banka” TERMS AND CONDITIONS OF SECURITY DEPOSIT AGREEMENT
ÏÐÀÂÈËÀ ÄÎÃÎÂÎÐÀ ÃÀÐÀÍÒÈÉÍÎÃÎ ÄÅÏÎÇÈÒÍÎÃÎ ÂÊËÀÄÀ Àêöèîíåðíîãî îáùåñòâà “Rietumu Banka”
1. Vispârîgie noteikumi 1.1. Noteikumos lietotie termini 1.1.1. Banka – akciju sabiedrîba “Rietumu Banka”, Vienotais reìistrâcijas numurs 40003074497. 1.1.2. Karte – starptautiska norçíinu karte MasterCard un/vai VISA, kuru izdod Banka un kas ir piesaistîta Lîgumâ norâdîtajam Kartes Kontam. 1.1.3. Kartes konts – Lîgumâ norâdîtâs fiziskas vai juridiskas personas Kartes Konts, kuram piesaistîta Karte/es. 1.1.4. Kartes konta îpaðnieks – Lîgumâ norâdîtâ fiziskâ vai juridiskâ persona, kuras saistîbu izpildei par nodroðinâjumu tiek izmantots Nodroðinâjuma noguldîjums. 1.1.5. Kartes Lîgums – Kartes izsniegðanas un apkalpoðanas lîgums, kas noslçgts starp Kartes konta îpaðnieku un Banku. 1.1.6. Klients – fiziska vai juridiska persona, kura noslçgusi ar Banku Lîgumu un kurai atvçrts Noguldîjuma konts Bankâ. Klients var vienlaicîgi bût arî Kartes konta îpaðnieks. 1.1.7. Kredîta limits – Bankas pieðíirtais îstermiòa naudas lîdzekïu aizdevums Kartes konta îpaðniekam darîjumu ar Karti veikðanai. Kredîta limits tiek pieðíirts Kartes kontam. 1.1.8. Lîgums – Nodroðinâjuma noguldîjuma lîgums. 1.1.9. Nodroðinâjuma noguldîjums – papildinâms fiziskas vai juridiskas personas noguldîjums uz noteiktu laiku latos, eiro vai ASV dolâros, kuru Klients kâ finanðu noguldîjumu saskaòâ ar Finanðu nodroðinâjuma likuma un Lîguma noteikumiem ieíîlâ Bankai un kurð tiek izmantots Kartes konta îpaðnieka no Kartes Lîguma izrietoðo saistîbu izpildei. 1.1.10. Noguldîjuma konts – Bankâ atvçrts Klienta konts, kurâ Lîguma termiòa laikâ tiek uzglabâts Nodroðinâjuma noguldîjums. 1.1.11. Noteikumi – Bankas apstiprinâti Nodroðinâjuma noguldîjuma lîguma noteikumi, kas ir Lîguma neatòemama sastâvdaïa. 1.1.12. Pakalpojumu tarifi – spçkâ esoðie Bankas pakalpojumu tarifi. 1.1.13. Procenti – atlîdzîba Klientam saskaòâ ar pakalpojuma tarifiem par naudas lîdzekïu glabâðanu Nodroðinâjuma noguldîjumâ. 1.1.14. Puses – Banka un Klients, katrs atseviðíi vai abi kopâ. 1.2. Noteikumu pielietojums 1.2.1. Ðie Noteikumi ir neatòemama Lîguma sastâvdaïa un regulç tâs tiesiskâs attiecîbas starp Klientu un Banku, kas attiecas uz Nodroðinâjuma noguldîjumu un darbîbâm ar to. 1.2.2. Bankas un Klienta tiesiskâs attiecîbas, kuras nav noteiktas Lîgumâ, nosaka Bankas Kartes lîguma noteikumi, Vispârçjie bankas un klienta savstarpçjo attiecîbu noteikumi un citi Bankas iekðçjie reglamentçjoði dokumenti un Latvijas Republikâ spçkâ esoðie normatîvie akti. 1.2.3. Informâcija par grozîjumiem un spçkâ esoðajiem Noteikumiem un Pakalpojumu tarifiem ir pieejama Bankas telpâs Bankas darba laikâ, kâ arî Bankas mâjas lapâ: www.rietumu.lv. 1.3. Grozîjumi Noteikumos un Pakalpojumu tarifos 1.3.1. Bankai ir tiesîbas vienpusçji izdarît grozîjumus Noteikumos un Pakalpojumu tarifos. Banka informç Klientu vismaz 30 (trîsdesmit) kalendârâs dienas pirms grozîjumu stâðanâs spçkâ, izvietojot par tiem informâciju Bankas telpâs, kâ arî Bankas mâjas lapâ: www.rietumu.lv. 1.3.2. Klientam ir pienâkums sekot grozîjumiem Noteikumos un Pakalpojumu tarifos. 1.3.3. Ja Klients lîdz attiecîgo Noteikumu un Pakalpojumu tarifu grozîjumu spçkâ stâðanâs dienai nav iesniedzis Bankai rakstisku iesniegumu par Lîguma darbîbas izbeigðanu, tiek uzskatîts, ka Klients ir piekritis attiecîgajiem grozîjumiem. 2. Nodroðinâjuma noguldîjuma iemaksas un izmantoðanas kârtîba 2.1. Lîguma noslçgðana un Nodroðinâjuma noguldîjuma iemaksa 2.1.1. Nodroðinâjuma noguldîjuma iemaksu Noguldîjuma kontâ Klients veic skaidrâ naudâ vai bezskaidrâ naudâ no Lîgumâ norâdîtâ konta Bankâ. 2.1.2. Lîgums stâjas spçkâ brîdî, kad Puses to ir parakstîjuðas un ir veikta Nodroðinâjuma noguldîjuma summas iemaksa Noguldîjuma kontâ. 2.1.3. Lîguma darbîbas termiòam par vienu kalendâro mçnesi jâpârsniedz ar Nodroðinâjuma noguldîjumu nodroðinâtâs Kartes (Karðu) darbîbas termiòu vai Kartes konta Kredîta limita termiòu. Ja Kartes konta îpaðnieks pçc Kartes vai Kartes Kredîta limita termiòa beigâm atjauno Karti uz jaunu derîguma termiòu un/vai pagarina Kredîta limita termiòu, tad Lîguma darbîbas termiòð automâtiski tiek pagarinâts uz termiòu, kas par vienu kalendâro mçnesi pârsniedz ar Nodroðinâjuma noguldîjumu nodroðinâtâs Kartes vai Kartes konta Kredîta limita termiòu. 2.1.4. Ja Banka nolemj mainît Kartes vai Kartes konta Kredîta limita nodroðinâjumu, atceïot Nodroðinâjuma noguldîjumu, tad Lîguma termiòð beidzas ne vçlâk kâ vienu mçnesi pçc attiecîgâ Bankas lçmuma pieòemðanas. 2.1.5. Lîgums ir spçkâ lîdz ðo Noteikumu 2.1.3. punktâ norâdîtajam termiòam vai lîdz brîdim, kad Klients vai Banka Lîgumâ noteiktajâ kârtîbâ izbeidz tâ darbîbu. 2.2. Nodroðinâjuma noguldîjuma realizâcijas un izmaksas kârtîba 2.2.1. Lîguma darbîbas laikâ Klients var papildinât Nodroðinâjuma noguldîjumu, iemaksâjot skaidrâ naudâ vai pârskaitot bezskaidrâ naudâ no konta Bankâ. 2.2.2. Banka ir tiesîga Lîguma darbîbas laikâ izmantot Nodroðinâjuma noguldîjumu. 2.2.3. Pastâvot Kartes konta îpaðnieka no Kartes Lîguma izrietoðâm neizpildîtâm saistîbâm pret Banku, Banka ir tiesîga atsavinât sev par labu Nodroðinâjuma noguldîjuma summu vai tâs atbilstoðo daïu, pilnîgi dzçðot vai samazinot Klienta parâdu Bankai. 2.2.4. Nâkamajâ darba dienâ pçc Noteikumu 2.1.3. punktâ minçtâ termiòa beigâm Banka izmaksâ Klientam Nodroðinâjuma noguldîjuma summu un neizmaksâtos procentus, ieskaitot tos Lîgumâ norâdîtajâ kontâ un ieturot no izmaksâjamâ Nodroðinâjuma noguldîjuma naudas summu, kas nepiecieðama Klienta saistîbu pret Banku izpildei, ðâdâ kârtîbâ: 2.2.4.1. ja konta valûta nav vienâda ar Nodroðinâjuma noguldîjuma valûtu, Klienta saistîbu summa tiek ieturçta no Nodroðinâjuma noguldîjuma, konvertçta pçc Bankas valûtas pirkðanas kursa Nodroðinâjuma noguldîjuma izmaksas dienâ un pârskaitîta kontâ saistîbu summas dzçðanai. Atlikusî Nodroðinâjuma noguldîjuma summa Klientam tiek izmaksâta saskaòâ ar Lîgumâ norâdîto; 2.2.4.2. ja konta valûta vienâda ar Nodroðinâjuma noguldîjuma valûtu, tad Klienta saistîbu summa tiek ieturçta no Nodroðinâjuma noguldîjuma un pârskaitîta kontâ saistîbu summas dzçðanai. Atlikusî Nodroðinâjuma noguldîjuma summa Klientam tiek izmaksâta saskaòâ ar Lîgumâ norâdîto. 2.2.5. Klientam nav tiesîbu saòemt Nodroðinâjuma noguldîjumu, pirms nav dzçsti visi Bankas prasîjumi, kuri ir nodroðinâti ar Nodroðinâjuma noguldîjumu un ir raduðies Kartes (Karðu) un Kartes kontam pieðíirtâ Kredîta limita lietoðanas rezultâtâ. 3. Procentu aprçíinâðanas kârtîba 3.1. Par Nodroðinâjuma noguldîjumâ noguldîtajiem naudas lîdzekïiem Banka maksâ Klientam procentus saskaòâ ar Pakalpojumu tarifiem. 3.2. Procenti par Nodroðinâjuma noguldîjuma izmantoðanu tiek aprçíinâti, sâkot ar dienu, kad Noguldîjuma kontâ ir ieskaitîta Nodroðinâjuma noguldîjuma summa, lîdz Lîguma darbîbas termiòa beigu datumam (neieskaitot Lîguma darbîbas beigu datumu). 3.3. Papildinot Nodroðinâjuma noguldîjumu, par papildinâjuma summu Banka maksâ Klientam procentus saskaòâ ar Pakalpojumu tarifiem, kas ir spçkâ Nodroðinâjuma noguldîjuma papildinâjuma dienâ. 3.4. Banka katras dienas beigâs aprçíina procentus par Nodroðinâjuma noguldîjuma atlikumu. 3.5. Banka aprçíinâtos procentus izmaksâ katra mçneða pçdçjâ dienâ. Procentu izmaksa tiek veikta saskaòâ ar Lîgumâ norâdîto, ieskaitot tos Lîgumâ norâdîtajâ kontâ. 3.6. Procentu aprçíinâðanai ir noteikts, ka gadâ ir 360 dienas, bet mçnesî – 30 dienas. 3.7. Pçc Lîguma darbîbas termiòa beigâm Banka procentus par Nodroðinâjuma noguldîjumu neaprçíina. 3.8. Ja Klients ir persona vai uzòçmums, kas atrodas, ir izveidots vai nodibinâts zemu nodokïu vai beznodokïu valstîs vai teritorijâs saskaòâ ar Latvijas Republikas normatîvajiem aktiem, Banka bez atseviðías saskaòoðanas ietur uzòçmumu ienâkuma nodokli no procentu maksâjumiem saskaòâ ar spçkâ esoðajiem Latvijas Republikas normatîvajiem aktiem. 4. Puðu tiesîbas un pienâkumi 4.1. Bankas tiesîbas un pienâkumi 4.1.1. Bankas pienâkums ir Lîgumâ un Pakalpojumu tarifos paredzçtajâ kârtîbâ pieòemt, uzglabât un izmaksât Klientam Nodroðinâjuma noguldîjumu un procentus. 4.1.2. Banka nodroðina Klienta veikto bankas operâciju noslçpumu atbilstoði Latvijas Republikas normatîvo aktu prasîbâm. 4.1.3. Banka identificç Klientu saskaòâ ar Latvijas Republikâ spçkâ esoðajiem normatîvajiem aktiem un Bankas iekðçjo reglamentçjoðo dokumentu prasîbâm. Lai Banka ar Klientu noslçgtu Lîgumu, Klientam Bankâ jâbût atvçrtam Kartes vai norçíinu kontam. Kopâ ar aizpildîtu Lîguma veidlapu Klients identifikâcijai iesniedz ðâdu dokumentu oriìinâlus vai attiecîgi apliecinâtas kopijas: - Klienti – juridiskas personas – dokumentu, kas apliecina personas pilnvaras rîkoties Klienta vârdâ, kâ arî uzrâda pârstâvja personu apliecinoðu dokumentu; - Klienti – fiziskas personas – Klienta personu apliecinoðu dokumentu. 4.1.4. Bankai ir tiesîbas nenoslçgt Lîgumu, ja Klients nesniedz visus Bankas pieprasîtos datus un identifikâcijas dokumentus un ja Klientam Bankâ nav atvçrts norçíinu vai kartes konts. 4.1.5. Banka ir tiesîga pieprasît papildu informâciju un dokumentus no Klienta par Klientu, Klienta ienâkumu izcelsmi un Klienta saimniecisko darbîbu. 4.2. Klienta tiesîbas un pienâkumi 4.2.1. Klientam ir tiesîbas Lîgumâ paredzçtajâ kârtîbâ noguldît naudas lîdzekïus Nodroðinâjuma noguldîjumâ, saòemt procentus, kâ arî pçc saistîbu pret Banku izpildes, saòemt Nodroðinâjuma noguldîjumâ noguldîtos naudas lîdzekïus ðo Noteikumu 2.2.4. punktâ noteiktajâ kârtîbâ. 4.2.2. Noslçdzot Lîgumu, Klienta pienâkums ir uzrâdît Klienta identifikâcijas dokumentus saskaòâ ar ðî Lîguma 4.1.3. punktu. 4.2.3. Ar ðo Lîgumu Klients pilnvaro Banku bez saskaòoðanas ar Klientu izmantot Nodroðinâjuma noguldîjumu Klienta saistîbu pret Banku segðanai. 4.2.4. Klientam ir pienâkums nekavçjoties iesniegt Bankai tâs pieprasîto informâciju un dokumentus no Klienta par Klientu, Klienta ienâkumu izcelsmi un Klienta saimniecisko darbîbu un citu Bankas pieprasîto informâciju. 5. Puðu atbildîba 5.1. Banka atbild par Nodroðinâjuma noguldîjumâ iemaksâtajiem naudas lîdzekïiem saskaòâ ar Latvijas Republikas normatîvo aktu prasîbâm. 5.2. Klients ir atbildîgs par Lîgumâ un Noteikumos noteikto saistîbu izpildi. 5.3. Klients ir atbildîgs par visu Bankai sniegto ziòu patiesumu un pilnîbu. Nesavlaicîgu, nepatiesu un nepilnîgu ziòu sniegðanas gadîjumâ Klients atlîdzina Bankai visus zaudçjumus, kas tai raduðies iepriekð minçto apstâkïu rezultâtâ. 5.4. Banka neatbild par kïûdâm, norçíinu aizkavçðanos, neprecizitâtçm un citâm nepilnîbâm, kas raduðâs Klienta nepilnîgi vai kïûdaini aizpildîtu dokumentu un rîkojumu iesniegðanas rezultâtâ. 6. Lîguma darbîbas izbeigðana 6.1. Lîgums izbeidz savu darbîbu vienu kalendâro mçnesi pçc tam, kad ir slçgtas ar Noguldîjuma nodroðinâjumu nodroðinâtâs Kartes un/vai anulçts Kartes konta Kredîta limits, un/vai dzçsti visi Bankas prasîjumi vai Banka ir nolçmusi mainît Kartes un Kartes kontam pieðíirtâ Kredîta limita nodroðinâjumu, atceïot Nodroðinâjuma noguldîjumu, kâ arî Banka ir izmaksâjusi Klientam Nodroðinâjuma noguldîjumu un neizmaksâtos procentus. 6.2. Klients vai Banka vai izbeigt Lîguma darbîbu vienpusçji. 6.3. Izbeidzot Lîguma darbîbu pçc Klienta iniciatîvas, Bankai ir tiesîbas slçgt Kartes, kâ arî anulçt vai mainît Kartes konta kredîta limitu, kuram kâ nodroðinâjums tika izmantots ðis Nodroðinâjuma noguldîjums. Nodroðinâjuma noguldîjumu Banka ðajâ gadîjumâ Klientam izmaksâ ðo Noteikumu 2.2.4. punktâ minçtajâ kârtîbâ vienu kalendâro mçnesi pçc Klienta rakstiska iesnieguma par Lîguma darbîbas izbeigðanu saòemðanas dienas. 6.4. Bankai ir tiesîbas, nesaskaòojot ar Klientu, izbeigt Lîguma darbîbu, ja Klients nepilda vai nepienâcîgi pilda savas saistîbas pret Banku. Izbeidzot Lîguma darbîbu, Banka izmaksâ Klientam Nodroðinâjuma noguldîjumu ðo Noteikumu 2.2.4. punktâ minçtajâ kârtîbâ vienu kalendâro mçnesi pçc Bankas lçmuma par Lîguma darbîbas izbeigðanu pieòemðanas. 7. Citi noteikumi 7.1. Jebkuras neskaidrîbas un strîdus Puses centîsies atrisinât savstarpçju pârrunu ceïâ. 7.2. Jebkurð strîds, kas izriet no ðî Lîguma, skar to vai tâ pârkâpðanu, grozîðanu, izbeigðanu vai spçkâ neesamîbu un kuru Puses nevar atrisinât sarunu ceïâ, pçc prasîtâja izvçles tiek nodots izskatîðanai tiesâ saskaòâ ar Latvijas Republikas normatîvajiem aktiem vai Latvijas Komercbanku asociâcijas ðíîrçjtiesâ Rîgâ saskaòâ ar ðíîrçjtiesas statûtiem, reglamentu un nolikumu “Par Latvijas Komercbanku asociâcijas ðíîrçjtiesas izdevumiem”. Strîda izskatîðanas valoda latvieðu. Strîdu var izskatît bez Puðu obligâtas piedalîðanâs ðíîrçjtiesas procesâ, pamatojoties uz iesniegtajiem dokumentiem. Ðíîrçjtiesas spriedums ir galîgs, nav pârsûdzams un Pusçm ir obligâts. Ðíîrçjtiesneðu skaits bûs 1 (viens). Puses uzdod iecelt ðíîrçjtiesnesi Latvijas Komercbanku asociâcijas ðíîrçjtiesas priekðsçdçtâjam.
1. General conditions 1.1. Definitions 1.1.1. Bank – joint stock company “Rietumu Banka”, United registration number 40003074497. 1.1.2. Card – international payment card MasterCard and/or VISA, issued by the Bank and linked to the card account specified in the Agreement. 1.1.3. Card Account – a private or a corporate card account specified in the Agreement and to which the Card(s) is/are linked. 1.1.4. Card Account Holder – a private individual or a company specified in the Agreement and for discharging whose liabilities the Security Deposit serves as security. 1.1.5. Card Agreement – an agreement on issue and service of the Card concluded between the Card Account Holder and the Bank. 1.1.6. Customer – a private individual or a company that has concluded the Agreement with the Bank, and whom the Bank has opened a Security Deposit Account. The Customer may be simultaneously the Card Account Holder. 1.1.7. Credit Limit – a short-term money loan given by the Bank to the Card Account Holder for the execution of transactions. Credit Limit is assigned to the Card Account. 1.1.8. Agreement – Security Deposit Agreement. 1.1.9. Security Deposit – a private or a corporate deposit in LVL, EUR or USD with the possibility of replenishment, deposited for a certain period of time and which serves as security in accordance with provisions of the regulations on financial security and the Agreement and which is used for discharging the Card Account Holder’s liabilities arising from the Agreement. 1.1.10. Security Deposit Account – the Customer’s Account opened in the Bank for the purpose of keeping Security Deposit during the life of the Agreement. 1.1.11. Terms and Conditions – Terms and Conditions of the Security Deposit Agreement approved by the Bank and which are an integral part of the Agreement. 1.1.12. Service Fees – the Bank’s Service Fees and Rates. 1.1.13. Interest – interest on the Security Deposit paid to the Customer in accordance with the Bank’s Service Fees for keeping funds on the Security Deposit Account. 1.1.14. Parties – the Bank and the Customer together and each separately. 1.2. Application of Terms and Conditions 1.2.1. The present Terms and Conditions are an integral part of the Agreement and govern the legal relations between the Customer and the Bank pertaining to the Security Deposit and activities connected with it. 1.2.2. The Bank Card Agreement, the Bank General Terms and Conditions and/or other internal Documents of the Bank and/or laws and regulations of the Republic of Latvia govern legal relations between the Bank and the Customer, not stipulated by the Agreement. 1.2.3. Information about amendments and alterations to the Terms and Conditions and Service Fees is available on the Bank’s premises during the working hours as well as on the Bank’s website www.rietumu.lv. 1.3. Alterations and Amendments to Terms & Conditions and Service Fees 1.3.1. The Bank reserves the right to unilaterally amend these Terms and Conditions, amend and supplement the Bank’s Service Fees. The Bank undertakes to notify the Customer of the changes at least 30 (thirty) calendar days before the changes take effect, by placing information on the Bank’s premises or by posting it on the Bank’s website www.rietumu.lv. 1.3.2. The Customer is entitled and liable for regularly reviewing these Terms and Conditions and Service Fees. 1.3.3. The customer shall be deemed to have accepted the changes, in case the Customer by the date the changes take effect fails to submit a written notification on the Agreement termination. 2. Security Deposit Placement and Operating Procedures 2.1. Agreement Conclusion and Security Deposit Placement 2.1.1. The Customer places the Security Deposit on the Security Deposit Account in cash or transfers it from the Account specified in the Agreement. 2.1.2. The Agreement shall be in effect from the day it is signed by the Parties and the Security Deposit is placed on the Security Deposit Account. 2.1.3. The term of the Agreement has to exceed the validity term of the Card secured by the Security Deposit or the validity term of the Card Account’s Credit Limit for one calendar month. If the Card Account Holder upon the Card’s expiration renews the Card or upon the expiration of the Card Credit Limit extends the term of the Credit Limit, the Agreement is tacitly extended for a period exceeding the term of Credit Limit of the Card/Card Account secured by the Security Deposit for one calendar month. 2.1.4. In case the Bank resolves to alter the security of the Card or the Credit Limit of the Card by canceling the Security Deposit, the Agreement will expire one month after the relevant decision. 2.1.5. The Agreement shall be valid until the date specified in clause 2.1.3. or until the Customer or the Bank shall terminate it in order stipulated by the Agreement. 2.2. Implementation and Repayment Procedure of Security Deposit 2.2.1. The Customer has the right to replenish the Security Deposit during the life of the Agreement either by depositing cash or by transferring funds from the account in the Bank. 2.2.2. The Bank has the right to use the Security Deposit during the life of the Agreement. 2.2.3. If the Account Holder has outstanding commitments arising from the Card Agreement, the Bank has the right to withhold the Security Deposit or an applicable part of the Security Deposit for fully discharging liabilities or for diminishing such liabilities. 2.2.4. The Bank shall repay the Security Deposit and outstanding interest, withholding a certain amount from the Security Deposit in discharge of Customer’s liabilities to the Bank, by crediting the account specified in the Agreement on the next working day after the Agreement expiration subject to clause 2.1.3. in the following order: 2.2.4.1. If the Account currency is other than the currency of the Security Deposit, the amount of liabilities will be converted at a rate set by the Bank on the day of repayment and withheld in discharge of liabilities. The remaining amount of the Security Deposit shall be repaid to the Customer in accordance with the provisions of the Agreement. 2.2.4.2. If the Account currency coincides with the currency of the Security Deposit, the amount of liabilities will be withheld in discharge of liabilities. The remaining amount of the Security Deposit shall be repaid to the Customer in accordance with the provisions of the Agreement. 2.2.5. The Customer is not entitled to receive the Security Deposit prior to the discharge of his/her liabilities to the Bank arising from the use of Credit Limit granted to the Card(s) or Card Account. 3. Calculation of Interest 3.1. The Bank shall pay interest on the Security Deposit in accordance with Service Fees. 3.2. The interest on the use of Security Deposit will accrue starting with the day when the Security Deposit is placed on the Security Deposit Account until the date of the Agreement expiration (excluding the date of the Agreement expiration). 3.3. When replenishing the Security Deposit, the Bank shall pay interest on the replenished amount in accordance with Service Fees in force on the replenishment date. 3.4. The Bank shall calculate interest on the Security Deposit balance on a daily basis. 3.5. The Bank shall pay the accrued interest on the last day of each month. The payment of the accrued interest shall be carried out in accordance with the Agreement by crediting the account specified in the Agreement. 3.6. For the purpose of interest calculation, it is determined that there are 360 days in a year and 30 days in a month. 3.7. Upon the Agreement expiration, the Bank shall not calculate interest on the Security Deposit. 3.8. If the Customer is a private individual or a company, residing or founded or established in countries with low taxes or offshore countries or areas in accordance with legal acts of the Republic of Latvia, the Bank shall withhold income tax from the accrued interest in compliance with legal acts of the Republic of Latvia. 4. Rights and Liabilities of the Parties 4.1. The Rights and Liabilities of the Bank: 4.1.1. The Bank shall be obliged to accept, keep and repay the Security Deposit with interest to the Customer as stipulated by the Agreement and Service Fees. 4.1.2. The Bank shall be obliged to ensure confidentiality of the transactions in compliance with the laws and regulations of the Republic of Latvia. 4.1.3. The Bank shall be entitled to verify the identity of the Customer in accordance with laws and regulations of the Republic of Latvia and internal regulation documents of the Bank. The Bank shall conclude the Agreement with the Customer provided that he/she has a Card Account or a Current Account with the Bank. Together with a completed Agreement, the Customer is obliged to submit the following originals or their duly certified copies: - a legal entity – documents confirming the authority of the representative to act on behalf of the Customer, as well as a personal identification document; - a private individual – a personal identification document of the Customer. 4.1.4. The Bank shall be entitled not to conclude the Agreement, in case the Customer fails to submit requested information and personal identification documents and in case the Customer does not have a Current Account or a Card Account with the Bank. 4.1.5. The Bank shall be entitled to request additional information and documents pertaining to the Customer, Customer’s source of income and business activity. 4.2. The Rights and Liabilities of the Customer 4.2.1. The Customer has the right to deposit funds on the Security Deposit Account, to get interest as stipulated by the Agreement as well as upon discharging liabilities to the Bank get back the Security Deposit, as stipulated in clause 2.2.4 of the present Terms and Conditions. 4.2.2. The Customer shall be obliged to present a personal identification document when concluding the Agreement in accordance with clause 4.1.3 of the present Terms and Conditions. 4.2.3. The Customer authorises the Bank to use the Security Deposit for discharging the Customer’s liabilities without further confirmation from the Customer. 4.2.4. The Customer shall be obliged to immediately submit requested information and documents pertaining to the Customer’s source of income and business activity and /or any other information requested by the Bank. 5. Responsibility of the Parties 5.1. The Bank shall be liable for the deposited funds in accordance with the laws and regulations of the Republic of Latvia. 5.2. The Customer shall be responsible for carrying out the liabilities stipulated by the Agreement and present Terms and Conditions. 5.3. The Customer shall be responsible for the authenticity and completeness of any information provided to the Bank. In the event of delivery of false, outdated and incomplete information, the Customer shall cover all losses to the Bank incurred as a consequence thereof. 5.4. The Bank shall not be liable for errors, delays in payments, inaccuracies and other imprecision resulting from the submission of documents and/or orders completed wrongly or inaccurately. 6. Termination of the Agreement 6.1. The Agreement shall be terminated one calendar months after the moment when: the Cards secured by the Security Deposit are closed, and/or the Credit Limit of the Card is cancelled, and/or the Customer’s liabilities to the Bank are discharged, and/or the Bank has resolved to alter the security of the Credit Limit granted to the Card or Card Account, by cancelling the Security Deposit as well as the Bank has repaid the Security Deposit to the Customer together with outstanding interest. 6.2. Either party has the right to unilaterally terminate the Agreement. 6.3. When terminating the Agreement upon the Customer’s request, the Bank reserves the right to close the Cards and to cancel or alter the Credit Limit of the Card Account for which the Security Deposit has served as security. In such case the Bank shall repay the Security Deposit as stipulated in clause 2.2.4 of the present Terms and Conditions one calendar month after the receipt of the Customer’s written notification on the Agreement termination. 6.4. The Bank has the right to terminate the Agreement at its own discretion, if the Customer fails to fulfill and/or unduly fulfills his/her obligations. When terminating the Agreement, the Bank shall repay the Security Deposit as stipulated in clause 2.2.4 of the present Terms and Conditions one calendar month from the date of the Bank’s decision. 7. Other provisions 7.1. All disagreements between the Parties, shall be resolved by means of negotiations. 7.2. Any dispute arising from the Agreement or connected with its violation, amendment, termination or invalidity and which the Parties fail to settle by negotiations, shall be referred to the court on claimant’s choice in accordance with the laws and regulations of the Republic of Latvia or by the Association of Latvian Commercial Banks Court of Arbitration in Riga pursuant to the Articles and Regulations of the said Court of Arbitration and the Regulations on the Association of Latvian Commercial Banks Court of Arbitration Costs. The Language of the dispute settlement shall be Latvian. The dispute may be considered without the Parties’ mandatory participation in arbitration process on the basis of submitted documents. The Resolution of the arbitrage shall be final, appeal shall not be provided and it shall be mandatory for the Parties. The number of arbitrators shall be 1 (one). The Parties shall commission the Chairman of the Association of Latvian Commercial Banks Court of Arbitration to appoint the arbitrator.
1. Îáùèå ïîëîæåíèÿ 1.1. Èñïîëüçóåìûå òåðìèíû 1.1.1. Áàíê – àêöèîíåðíîå îáùåñòâî “Rietumu Banka”, Åäèíûé ðåãèñòðàöèîííûé ¹ 40003074497. 1.1.2. Êàðòà – ìåæäóíàðîäíàÿ ðàñ÷åòíàÿ êàðòà MaterCard è/èëè VISA, âûäàâàåìàÿ Áàíêîì è ïðèâÿçàííàÿ ê óêàçàííîìó â Äîãîâîðå Êàðòî÷íîìó Ñ÷åòó. 1.1.3. Êàðòî÷íûé Ñ÷åò – Ñ÷åò Êàðòû óêàçàííîãî â Äîãîâîðå ôèçè÷åñêîãî èëè þðèäè÷åñêîãî ëèöà, ê êîòîðîìó ïðèâÿçàíà Êàðòà/û. 1.1.4. Âëàäåëåö Êàðòî÷íîãî Ñ÷åòà – óêàçàííîå â Äîãîâîðå ôèçè÷åñêîå èëè þðèäè÷åñêîå ëèöî, äëÿ âûïîëíåíèÿ îáÿçàòåëüñòâ êîòîðîãî ïî îáåñïå÷åíèþ èñïîëüçóåòñÿ Ãàðàíòèéíûé äåïîçèò. 1.1.5. Äîãîâîð Êàðòû – äîãîâîð âûäà÷è è îáñëóæèâàíèÿ Êàðòû, çàêëþ÷åííûé ìåæäó âëàäåëüöåì Êàðòî÷íîãî Ñ÷åòà è Áàíêîì. 1.1.6. Êëèåíò – ôèçè÷åñêîå èëè þðèäè÷åñêîå ëèöî, êîòîðîå çàêëþ÷èëî ñ Áàíêîì Äîãîâîð è êîòîðîìó â Áàíêå îòêðûò Äåïîçèòíûé ñ÷åò. Êëèåíò ìîæåò îäíîâðåìåííî áûòü òàêæå âëàäåëüöåì Êàðòî÷íîãî Ñ÷åòà. 1.1.7. Êðåäèòíûé ëèìèò – ïðåäîñòàâëÿåìûé Áàíêîì âëàäåëüöó Êàðòî÷íîãî Ñ÷åòà êðàòêîñðî÷íûé çàåì äåíåæíûõ ñðåäñòâ äëÿ îñóùåñòâëåíèÿ ñäåëîê ñ Êàðòîé. Êðåäèòíûé ëèìèò ïðèñâàèâàåòñÿ ïî Êàðòî÷íîìó Ñ÷åòó. 1.1.8. Äîãîâîð – Äîãîâîð ãàðàíòèéíîãî äåïîçèòà. 1.1.9. Ãàðàíòèéíûé äåïîçèò – ïîïîëíÿåìûé äåïîçèò íà îïðåäåëåííîå âðåìÿ â ëàòàõ, åâðî èëè äîëëàðàõ ÑØÀ ôèçè÷åñêîãî èëè þðèäè÷åñêîãî ëèöà, êîòîðûé Êëèåíò îñòàâëÿåò ïîä çàëîã Áàíêó êàê ôèíàíñîâûé äåïîçèò â ñîîòâåòñòâèè ñ óñëîâèÿìè Çàêîíà î ôèíàíñîâîì îáåñïå÷åíèè è Äîãîâîðà, è êîòîðûé èñïîëüçóåòñÿ äëÿ èñïîëíåíèÿ îáÿçàòåëüñòâ âëàäåëüöà Êàðòî÷íîãî Ñ÷åòà, âûòåêàþùèõ èç äîãîâîðà Êàðòû. 1.1.10. Äåïîçèòíûé ñ÷åò – îòêðûòûé â Áàíêå Ñ÷åò Êëèåíòà, íà êîòîðîì â òå÷åíèå ñðîêà Äîãîâîðà õðàíèòñÿ Ãàðàíòèéíûé äåïîçèò. 1.1.11. Ïðàâèëà – óòâåðæäåííûå Áàíêîì ïðàâèëà äîãîâîðà Ãàðàíòèéíîãî äåïîçèòà, ÿâëÿþùèåñÿ íåîòúåìëåìîé ñîñòàâíîé ÷àñòüþ Äîãîâîðà. 1.1.12. Òàðèôû íà óñëóãè – äåéñòâóþùèå òàðèôû íà óñëóãè Áàíêà. 1.1.13. Ïðîöåíòû – âîçíàãðàæäåíèå Êëèåíòó, â ñîîòâåòñòâèè ñ òàðèôàìè íà óñëóãè, çà õðàíåíèå äåíåæíûõ ñðåäñòâ íà Ãàðàíòèéíîì äåïîçèòå. 1.1.14. Ñòîðîíû – Áàíê è Êëèåíò, êàê êàæäûé â îòäåëüíîñòè, òàê è îáà âìåñòå. 1.2. Ïðèìåíåíèå Ïðàâèë 1.2.1. Íàñòîÿùèå Ïðàâèëà ÿâëÿþòñÿ íåîòúåìëåìîé ñîñòàâíîé ÷àñòüþ Äîãîâîðà è ðåãóëèðóþò ïðàâîâûå îòíîøåíèÿ ìåæäó Êëèåíòîì è Áàíêîì, îòíîñÿùèåñÿ ê Ãàðàíòèéíîìó äåïîçèòó è äåéñòâèÿì ñ íèì. 1.2.2. Ïðàâîâûå îòíîøåíèÿ Áàíêà è Êëèåíòà, íå óñòàíîâëåííûå â Äîãîâîðå, ðåãóëèðóþòñÿ Áàíêîâñêèìè ïðàâèëàìè äîãîâîðà Êàðòû, Îáùèìè ïðàâèëàìè âçàèìîîòíîøåíèé áàíêà è êëèåíòà è äðóãèìè âíóòðåííèìè ðåãëàìåíòèðóþùèìè äîêóìåíòàìè Áàíêà è äåéñòâóþùèìè íîðìàòèâíûìè àêòàìè Ëàòâèéñêîé Ðåñïóáëèêè. 1.2.3. Èíôîðìàöèÿ îá èçìåíåíèÿõ è äåéñòâóþùèõ Ïðàâèëàõ è Òàðèôàõ íà óñëóãè äîñòóïíà íåïîñðåäñòâåííî â Áàíêå â ÷àñû åãî ðàáîòû, à òàêæå íà äîìàøíåé ñòðàíèöå Áàíêà: www.rietumu.lv. 1.3. Èçìåíåíèÿ â Ïðàâèëàõ è Òàðèôàõ íà óñëóãè 1.3.1. Áàíê èìååò ïðàâî â îäíîñòîðîííåì ïîðÿäêå âíîñèòü èçìåíåíèÿ â Ïðàâèëà è Òàðèôû íà óñëóãè. Áàíê íå ïîçäíåå 30 (òðèäöàòè) êàëåíäàðíûõ äíåé äî âñòóïëåíèÿ â ñèëó èçìåíåíèé ñîîáùàåò î íèõ, ïîìåñòèâ èíôîðìàöèþ íåïîñðåäñòâåííî â Áàíêå, à òàêæå íà äîìàøíåé ñòðàíèöå Áàíêà: www.rietumu.lv. 1.3.2. Êëèåíò îáÿçàí ñëåäèòü çà èçìåíåíèÿìè â Ïðàâèëàõ è Òàðèôàõ íà óñëóãè. 1.3.3. Åñëè Êëèåíò äî äíÿ âñòóïëåíèÿ â ñèëó ñîîòâåòñòâóþùèõ èçìåíåíèé â Ïðàâèëà è Òàðèôû íà óñëóãè íå ïîäàë â Áàíê ïèñüìåííîå çàÿâëåíèå î ïðåêðàùåíèè äåéñòâèÿ Äîãîâîðà, ñ÷èòàåòñÿ, ÷òî Êëèåíò ñîãëàñèëñÿ ñ ñîîòâåòñòâóþùèìè èçìåíåíèÿìè. 2. Âíåñåíèå Ãàðàíòèéíîãî äåïîçèòà è ïîðÿäîê åãî èñïîëüçîâàíèÿ 2.1. Çàêëþ÷åíèå Äîãîâîðà è âíåñåíèå Ãàðàíòèéíîãî äåïîçèòà 2.1.1. Ãàðàíòèéíûé äåïîçèò íà Äåïîçèòíûé ñ÷åò âíîñèòñÿ Êëèåíòîì íàëè÷íûìè èëè áåçíàëè÷íûìè äåíåæíûìè ñðåäñòâàìè ñ óêàçàííîãî â Äîãîâîðå ñ÷åòà Êëèåíòà â Áàíêå. 2.1.2. Äîãîâîð âñòóïàåò â ñèëó ñ ìîìåíòà åãî ïîäïèñàíèÿ Ñòîðîíàìè è âíåñåíèÿ ñóììû Ãàðàíòèéíîãî äåïîçèòà íà Äåïîçèòíûé ñ÷åò. 2.1.3. Ñðîê äåéñòâèÿ Äîãîâîðà äîëæåí ïðåâûøàòü ñðîê äåéñòâèÿ îáåñïå÷åííîé Ãàðàíòèéíûì äåïîçèòîì Êàðòû (Êàðò) èëè ñðîê ëèìèòà Êàðòû ïî Êàðòî÷íîìó ñ÷åòó íà îäèí êàëåíäàðíûé ìåñÿö. Åñëè âëàäåëåö Êàðòî÷íîãî ñ÷åòà ïîñëå èñòå÷åíèÿ ñðîêà äåéñòâèÿ Êàðòû èëè Êàðòî÷íîãî ëèìèòà âîçîáíîâëÿåò Êàðòó íà íîâûé ñðîê è/èëè ïðîäëåâàåò ñðîê Êðåäèòíîãî ëèìèòà, ñðîê äåéñòâèÿ Äîãîâîðà àâòîìàòè÷åñêè ïðîäëåâàåòñÿ íà ñðîê, íà îäèí êàëåíäàðíûé ìåñÿö ïðåâûøàþùèé ñðîê Êðåäèòíîãî ëèìèòà îáåñïå÷åííîé Ãàðàíòèéíûì äåïîçèòîì Êàðòû èëè Êàðòî÷íîãî ñ÷åòà. 2.1.4.  ñëó÷àå, åñëè Áàíê ïðèíèìàåò ðåøåíèå èçìåíèòü îáåñïå÷åíèå Êàðòû èëè Êðåäèòíîãî ëèìèòà Êàðòî÷íîãî ñ÷åòà, îòìåíèâ Ãàðàíòèéíûé äåïîçèò, ñðîê äåéñòâèÿ Äîãîâîðà çàêàí÷èâàåòñÿ ïî èñòå÷åíèè ìåñÿöà ïîñëå ïðèíÿòèÿ Áàíêîì ñîîòâåòñòâóþùåãî ðåøåíèÿ. 2.1.5. Äîãîâîð äåéñòâóåò äî óêàçàííîãî â ïóíêòå 2.1.3 ñðîêà èëè äî ìîìåíòà, êîãäà Êëèåíò èëè Áàíê ïðåêðàùàåò åãî äåéñòâèå â ïîðÿäêå, ïðåäóñìîòðåííîì â Äîãîâîðå. 2.2. Ðåàëèçàöèÿ Ãàðàíòèéíîãî äåïîçèòà è ïîðÿäîê åãî âûïëàòû 2.2.1. Âî âðåìÿ äåéñòâèÿ Äîãîâîðà Êëèåíò âïðàâå ïîïîëíèòü Ãàðàíòèéíûé Äåïîçèò êàê ïóòåì âíåñåíèÿ íàëè÷íûõ äåíåæíûõ ñðåäñòâ, òàê è áåçíàëè÷íûì ïåðå÷èñëåíèåì ñî ñ÷åòà â Áàíêå. 2.2.2. Áàíê èìååò ïðàâî âî âðåìÿ äåéñòâèÿ Äîãîâîðà èñïîëüçîâàòü Ãàðàíòèéíûé äåïîçèò. 2.2.3. Åñëè èìåþòñÿ íåèñïîëíåííûå îáÿçàòåëüñòâà âëàäåëüöà Êàðòî÷íîãî ñ÷åòà ïåðåä Áàíêîì, êîòîðûå âûòåêàþò èç Äîãîâîðà Êàðòû, Áàíê èìååò ïðàâî îò÷óæäàòü â ñâîþ ïîëüçó ñóììó Ãàðàíòèéíîãî äåïîçèòà èëè ñîîòâåòñòâóþùóþ åãî ÷àñòü, ïîëíîñòüþ ïîãàøàÿ èëè óìåíüøàÿ âîçíèêøóþ çàäîëæåííîñòü Êëèåíòà ïåðåä Áàíêîì. 2.2.4. Íà ñëåäóþùèé ðàáî÷èé äåíü ïîñëå îêîí÷àíèÿ ñðîêà, óêàçàííîãî â ïóíêòå 2.1.3 Ïðàâèë, Áàíê âûïëà÷èâàåò Êëèåíòó ñóììó Ãàðàíòèéíîãî äåïîçèòà è íåâûïëà÷åííûå ïðîöåíòû, çà÷èñëèâ èõ íà óêàçàííûé â Äîãîâîðå ñ÷åò è óäåðæèâàÿ èç ïîäëåæàùåãî âûïëàòå Ãàðàíòèéíîãî äåïîçèòà ñóììó, íåîáõîäèìóþ äëÿ âûïîëíåíèÿ îáÿçàòåëüñòâ Êëèåíòà ïåðåä Áàíêîì, â ñëåäóþùåì ïîðÿäêå: 2.2.4.1. â ñëó÷àå, åñëè âàëþòà ñ÷åòà è âàëþòà Ãàðàíòèéíîãî äåïîçèòà ÿâëÿþòñÿ ðàçíûìè, ñóììà îáÿçàòåëüñòâ Êëèåíòà óäåðæèâàåòñÿ èç Ãàðàíòèéíîãî äåïîçèòà, êîíâåðòèðóåòñÿ ïî Áàíêîâñêîìó êóðñó ïîêóïêè âàëþò íà äåíü âûïëàòû è ïåðå÷èñëÿåòñÿ íà ñ÷åò â ïîãàøåíèå ñóììû îáÿçàòåëüñòâ. Îñòàâøàÿñÿ ñóììà Ãàðàíòèéíîãî äåïîçèòà âûïëà÷èâàåòñÿ Êëèåíòó â ñîîòâåòñòâèè ñ óñëîâèÿìè Äîãîâîðà; 2.2.4.2. â ñëó÷àå, åñëè âàëþòà ñ÷åòà è âàëþòà Ãàðàíòèéíîãî äåïîçèòà îäèíàêîâû, ñóììà îáÿçàòåëüñòâ Êëèåíòà óäåðæèâàåòñÿ èç Ãàðàíòèéíîãî äåïîçèòà è ïåðå÷èñëÿåòñÿ íà ñ÷åò â ïîãàøåíèå ñóììû îáÿçàòåëüñòâ. Îñòàâøàÿñÿ ñóììà Ãàðàíòèéíîãî äåïîçèòà âûïëà÷èâàåòñÿ Êëèåíòó â ñîîòâåòñòâèè ñ óñëîâèÿìè Äîãîâîðà. 2.2.5. Êëèåíò íå èìååò ïðàâà íà ïîëó÷åíèå Ãàðàíòèéíîãî äåïîçèòà äî ïîëíîãî ïîãàøåíèÿ âñåõ òðåáîâàíèé Áàíêà, îáåñïå÷åííûõ Ãàðàíòèéíûì äåïîçèòîì è âîçíèêøèõ â ðåçóëüòàòå èñïîëüçîâàíèÿ Êðåäèòíîãî ëèìèòà, ïðåäîñòàâëåííîãî ïî Êàðòå (Êàðòàì) èëè Êàðòî÷íîìó ñ÷åòó. 3. Ïîðÿäîê íà÷èñëåíèÿ ïðîöåíòîâ 3.1. Çà èñïîëüçîâàíèå â êà÷åñòâå Ãàðàíòèéíîãî äåïîçèòà äåíåæíûå ñðåäñòâà Áàíê âûïëà÷èâàåò Êëèåíòó ïðîöåíòû â ñîîòâåòñòâèè ñ Òàðèôàìè íà óñëóãè. 3.2. Ïðîöåíòû çà èñïîëüçîâàíèå Ãàðàíòèéíîãî äåïîçèòà íà÷èñëÿþòñÿ, íà÷èíàÿ ñî äíÿ çà÷èñëåíèÿ íà Äåïîçèòíûé ñ÷åò ñóììû Ãàðàíòèéíîãî äåïîçèòà, äî äàòû îêîí÷àíèÿ ñðîêà äåéñòâèÿ Äîãîâîðà (íå âêëþ÷àÿ äàòó îêîí÷àíèÿ äåéñòâèÿ Äîãîâîðà). 3.3. Ïðè ïîïîëíåíèè Ãàðàíòèéíîãî äåïîçèòà, çà ñóììó ïîïîëíåíèÿ Áàíê óïëà÷èâàåò Êëèåíòó ïðîöåíòû â ñîîòâåòñòâèè ñ Òàðèôàìè íà óñëóãè, äåéñòâóþùèìè íà äåíü ïîïîëíåíèÿ Ãàðàíòèéíîãî äåïîçèòà. 3.4.  êîíöå êàæäîãî äíÿ Áàíê íà÷èñëÿåò ïðîöåíòû ïî îñòàòêó Ãàðàíòèéíîãî äåïîçèòà. 3.5. Íà÷èñëåííûå ïðîöåíòû Áàíê âûïëà÷èâàåò â ïîñëåäíèé äåíü êàæäîãî ìåñÿöà. Âûïëàòà ïðîöåíòîâ îñóùåñòâëÿåòñÿ â ñîîòâåòñòâèè ñ óñëîâèÿìè Äîãîâîðà ïóòåì çà÷èñëåíèÿ ïðîöåíòîâ íà óêàçàííûé â Äîãîâîðå ñ÷åò. 3.6. Äëÿ íà÷èñëåíèÿ ïðîöåíòîâ óñòàíîâëåíî, ÷òî â ãîäó 360 äíåé, à â ìåñÿöå – 30 äíåé. 3.7. Ïîñëå îêîí÷àíèÿ ñðîêà äåéñòâèÿ Äîãîâîðà Áàíê íå íà÷èñëÿåò ïðîöåíòû ïî Ãàðàíòèéíîìó äåïîçèòó. 3.8. Åñëè Êëèåíòîì ÿâëÿåòñÿ ëèöîì èëè ïðåäïðèÿòèåì, êîòîðîå íàõîäèòñÿ, îáðàçîâàíî èëè ó÷ðåæäåíî â ñòðàíàõ ñ íèçêèìè íàëîãàìè èëè áåçíàëîãîâûõ ñòðàíàõ èëè òåððèòîðèÿõ â ñîîòâåòñòâèè ñ äåéñòâóþùèìè íîðìàòèâíûìè àêòàìè Ëàòâèéñêîé Ðåñïóáëèêè, Áàíê áåç îòäåëüíîãî ñîãëàñîâàíèÿ óäåðæèâàåò ïîäîõîäíûé íàëîã ïðåäïðèÿòèÿ ñ ïðîöåíòíûõ ïëàòåæåé â ñîîòâåòñòâèè ñ äåéñòâóþùèìè íîðìàòèâíûìè àêòàìè Ëàòâèéñêîé Ðåñïóáëèêè. 4. Ïðàâà è îáÿçàííîñòè Ñòîðîí 4.1. Ïðàâà è îáÿçàííîñòè Áàíêà 4.1.1. Áàíê îáÿçàí â ïîðÿäêå, ïðåäóñìîòðåííîì Äîãîâîðîì è Òàðèôàìè íà óñëóãè, ïðèíÿòü, õðàíèòü è âûïëàòèòü Êëèåíòó Ãàðàíòèéíûé äåïîçèò è ïðîöåíòû. 4.1.2. Áàíê îáåñïå÷èâàåò òàéíó îñóùåñòâëÿåìûõ Êëèåíòîì áàíêîâñêèõ îïåðàöèé â ñîîòâåòñòâèè ñ òðåáîâàíèÿìè íîðìàòèâíûõ àêòîâ Ëàòâèéñêîé Ðåñïóáëèêè. 4.1.3. Áàíê èäåíòèôèöèðóåò Êëèåíòà â ñîîòâåòñòâèè ñ äåéñòâóþùèìè íîðìàòèâíûìè àêòàìè Ëàòâèéñêîé Ðåñïóáëèêè è òðåáîâàíèÿìè âíóòðåííèõ ðåãëàìåíòèðóþùèõ äîêóìåíòîâ Áàíêà. Äëÿ çàêëþ÷åíèÿ Äîãîâîðà Áàíêà ñ Êëèåíòîì íåîáõîäèìî íàëè÷èå ó Êëèåíòà â Áàíêå Êàðòî÷íîãî èëè ðàñ÷åòíîãî ñ÷åòà. Âìåñòå ñ çàïîëíåííîé ôîðìîé Äîãîâîðà Êëèåíò äëÿ èäåíòèôèêàöèè ïðåäîñòàâëÿåò îðèãèíàëû èëè ñîîòâåòñòâóþùèì îáðàçîì óäîñòîâåðåííûå êîïèè ñëåäóþùèõ äîêóìåíòîâ: - Êëèåíòû – þðèäè÷åñêèå ëèöà – äîêóìåíòû, ïîäòâåðæäàþùèå ïîëíîìî÷èÿ ëèöà äåéñòâîâàòü îò èìåíè Êëèåíòà, à òàêæå äîêóìåíò, óäîñòîâåðÿþùèé ëè÷íîñòü ïîëíîìî÷íîãî ëèöà; - Êëèåíòû – ôèçè÷åñêèå ëèöà – äîêóìåíò, óäîñòîâåðÿþùèé ëè÷íîñòü Êëèåíòà. 4.1.4. Áàíê èìååò ïðàâî íå çàêëþ÷àòü Äîãîâîð, åñëè Êëèåíò íå ïðåäîñòàâëÿåò âñþ çàòðåáîâàííóþ Áàíêîì èíôîðìàöèþ è èäåíòèôèêàöèîííûå äîêóìåíòû, à òàêæå â ñëó÷àå îòñóòñòâèÿ ó Êëèåíòà ðàñ÷åòíîãî èëè Êàðòî÷íîãî ñ÷åòà â Áàíêå. 4.1.5. Áàíê èìååò ïðàâî çàòðåáîâàòü ó Êëèåíòà äîïîëíèòåëüíóþ èíôîðìàöèþ è äîêóìåíòû î Êëèåíòå, ïðîèñõîæäåíèè äîõîäîâ è õîçÿéñòâåííîé äåÿòåëüíîñòè Êëèåíòà. 4.2. Ïðàâà è îáÿçàííîñòè Êëèåíòà 4.2.1. Êëèåíò èìååò ïðàâî â ïîðÿäêå, ïðåäóñìîòðåííîì Äîãîâîðîì, âíåñòè äåíåæíûå ñðåäñòâà íà Ãàðàíòèéíûé äåïîçèò, ïîëó÷èòü ïðîöåíòû, à òàêæå, ïîñëå âûïîëíåíèÿ îáÿçàòåëüñòâ ïåðåä Áàíêîì, ïîëó÷èòü âíåñåííûå â êà÷åñòâå Ãàðàíòèéíîãî äåïîçèòà äåíåæíûå ñðåäñòâà â ïîðÿäêå, ïðåäóñìîòðåííîì ïóíêòîì 2.2.4 íàñòîÿùèõ Ïðàâèë. 4.2.2. Çàêëþ÷àÿ Äîãîâîð, Êëèåíò îáÿçàí ïðåäúÿâèòü èäåíòèôèöèðóþùèé Êëèåíòà äîêóìåíò â ñîîòâåòñòâèè ñ ïóíêòîì 4.1.3 íàñòîÿùåãî Äîãîâîðà. 4.2.3. Íàñòîÿùèì Äîãîâîðîì Êëèåíò óïîëíîìî÷èâàåò Áàíê áåç ñîãëàñîâàíèÿ ñ Êëèåíòîì èñïîëüçîâàòü Ãàðàíòèéíûé äåïîçèò äëÿ ïîêðûòèÿ îáÿçàòåëüñòâ Êëèåíòà ïåðåä Áàíêîì. 4.2.4. Êëèåíò îáÿçàí íåçàìåäëèòåëüíî ïðåäñòàâèòü Áàíêó, çàòðåáîâàííóþ èì ó Êëèåíòà èíôîðìàöèþ è äîêóìåíòû î Êëèåíòå, ïðîèñõîæäåíèè äîõîäîâ è õîçÿéñòâåííîé äåÿòåëüíîñòè Êëèåíòà, à òàêæå äðóãóþ çàòðåáîâàííóþ Áàíêîì èíôîðìàöèþ. 5. Îòâåòñòâåííîñòü Ñòîðîí 5.1. Áàíê íåñåò îòâåòñòâåííîñòü çà âíåñåííûå â êà÷åñòâå Ãàðàíòèéíîãî äåïîçèòà äåíåæíûå ñðåäñòâà â ñîîòâåòñòâèè ñ òðåáîâàíèÿìè íîðìàòèâíûõ àêòîâ Ëàòâèéñêîé Ðåñïóáëèêè. 5.2. Êëèåíò íåñåò îòâåòñòâåííîñòü çà èñïîëíåíèå îáÿçàòåëüñòâ, îãîâîðåííûõ â Äîãîâîðå è íàñòîÿùèõ Ïðàâèëàõ. 5.3. Êëèåíò íåñåò îòâåòñòâåííîñòü çà ïîäëèííîñòü è ïîëíîòó ïðåäñòàâëåííîé Áàíêó èíôîðìàöèè.  ñëó÷àå ïðåäîñòàâëåíèÿ íåñâîåâðåìåííîé, íåïðàâäèâîé èëè íåïîëíîé èíôîðìàöèè, Êëèåíò âîçìåùàåò Áàíêó âñå óáûòêè, âîçíèêøèå â ðåçóëüòàòå âûøåóïîìÿíóòûõ îáñòîÿòåëüñòâ. 5.4. Áàíê íå íåñåò îòâåòñòâåííîñòü çà îøèáêè, çàäåðæêó ðàñ÷åòîâ, íåòî÷íîñòè è äðóãèå íåäî÷åòû, âîçíèêøèå â ðåçóëüòàòå ïðåäîñòàâëåíèÿ äîêóìåíòîâ èëè ðàñïîðÿæåíèé, çàïîëíåííûõ íå ïîëíîñòüþ èëè íåïðàâèëüíî. 6. Ïðåêðàùåíèå äåéñòâèÿ Äîãîâîðà 6.1. Äîãîâîð ïðåêðàùàåò ñâîå äåéñòâèå ïî èñòå÷åíèè îäíîãî êàëåíäàðíîãî ìåñÿöà ïîñëå çàêðûòèÿ Êàðò, îáåñïå÷åííûõ Ãàðàíòèéíûì äåïîçèòîì, è/èëè àííóëèðîâàíèÿ Êðåäèòíîãî ëèìèòà Ñ÷åòà êàðòû, è/èëè ïîãàøåíèÿ âñåõ òðåáîâàíèé Áàíêà, ëèáî ðåøåíèÿ Áàíêà èçìåíèòü îáåñïå÷åíèå ïðåäîñòàâëåííîãî Êàðòå è Êàðòî÷íîìó ñ÷åòó Êðåäèòíîãî ëèìèòà, îòìåíèâ Ãàðàíòèéíûé äåïîçèò, à òàêæå â ñëó÷àå âûïëàòû Áàíêîì Êëèåíòó Ãàðàíòèéíîãî äåïîçèòà è íåâûïëà÷åííûõ ïðîöåíòîâ. 6.2. Äåéñòâèå Äîãîâîðà ìîæåò áûòü ïðåêðàùåíî Áàíêîì èëè Êëèåíòîì â îäíîñòîðîííåì ïîðÿäêå. 6.3. Ïðè ïðåêðàùåíèè äåéñòâèÿ Äîãîâîðà ïî èíèöèàòèâå Êëèåíòà, Áàíê èìååò ïðàâî çàêðûòü Êàðòû, à òàêæå àííóëèðîâàòü èëè èçìåíèòü êðåäèòíûé ëèìèò Êàðòî÷íîãî ñ÷åòà, ïî êîòîðîìó â êà÷åñòâå îáåñïå÷åíèÿ èñïîëüçîâàëñÿ Ãàðàíòèéíûé äåïîçèò.  ýòîì ñëó÷àå Áàíê âûïëà÷èâàåò Êëèåíòó Ãàðàíòèéíûé äåïîçèò â ïîðÿäêå, îãîâîðåííîì â ïóíêòå 2.2.4 íàñòîÿùèõ Ïðàâèë ÷åðåç îäèí êàëåíäàðíûé ìåñÿö ïîñëå äíÿ ïîëó÷åíèÿ ïèñüìåííîãî çàÿâëåíèÿ Êëèåíòà î ïðåêðàùåíèè äåéñòâèÿ Äîãîâîðà. 6.4. Áàíê èìååò ïðàâî ïðåêðàòèòü äåéñòâèå Äîãîâîðà áåç ñîãëàñîâàíèÿ ñ Êëèåíòîì â ñëó÷àå, åñëè Êëèåíò íå èñïîëíÿåò èëè íåíàäëåæàùèì îáðàçîì èñïîëíÿåò ñâîè îáÿçàòåëüñòâà ïåðåä Áàíêîì. Ïðåêðàùàÿ äåéñòâèå Äîãîâîðà, Áàíê âûïëà÷èâàåò Êëèåíòó Ãàðàíòèéíûé äåïîçèò â ïîðÿäêå, îãîâîðåííîì â ïóíêòå 2.2.4 íàñòîÿùèõ Ïðàâèë ÷åðåç îäèí êàëåíäàðíûé ìåñÿö ïîñëå ïðèíÿòèÿ Áàíêîì ðåøåíèÿ î ïðåêðàùåíèè äåéñòâèÿ Äîãîâîðà. 7. Äðóãèå óñëîâèÿ 7.1. Ëþáûå íåÿñíîñòè è ñïîðû Ñòîðîíàìè ðàçðåøàþòñÿ ïóòåì âçàèìíûõ ïåðåãîâîðîâ. 7.2. Ëþáîé ñïîð, êîòîðûé âûòåêàåò èç íàñòîÿùåãî Äîãîâîðà, çàòðàãèâàåò åãî, à ðàâíî åãî íàðóøåíèå, èçìåíåíèå, ïðåêðàùåíèå èëè íåäåéñòâèòåëüíîñòü, êîòîðûé Ñòîðîíû íå ìîãóò ðåøèòü ïóòåì ïåðåãîâîðîâ, ïî âûáîðó èñòöà ïåðåäàåòñÿ íà ðàññìîòðåíèå â ñóä, â ñîîòâåòñòâèè ñ íîðìàòèâíûìè àêòàìè Ëàòâèéñêîé Ðåñïóáëèêè, èëè â òðåòåéñêèé ñóä Àññîöèàöèè Êîììåð÷åñêèõ áàíêîâ Ëàòâèè â Ðèãå, â ñîîòâåòñòâèè ñ óñòàâîì, ðåãëàìåíòîì òðåòåéñêîãî ñóäà è ïîëîæåíèåì “Î ðàñõîäàõ òðåòåéñêîãî ñóäà Àññîöèàöèè Êîììåð÷åñêèõ áàíêîâ Ëàòâèè”. ßçûê ðàññìîòðåíèÿ ñïîðà – ëàòûøñêèé. Ñïîð ìîæåò ðàññìàòðèâàòüñÿ áåç îáÿçàòåëüíîãî ó÷àñòèÿ Ñòîðîí â ïðîöåññå òðåòåéñêîãî ñóäà, íà îñíîâàíèè ïðåäñòàâëåííûõ äîêóìåíòîâ. Ðåøåíèå òðåòåéñêîãî ñóäà îêîí÷àòåëüíî, íå ïîäëåæèò îáæàëîâàíèþ è îáÿçàòåëüíî äëÿ Ñòîðîí. Êîëè÷åñòâî òðåòåéñêèõ ñóäåé – 1 (îäèí). Ñòîðîíû ïîðó÷àþò íàçíà÷åíèå òðåòåéñêîãî ñóäüè ïðåäñåäàòåëþ òðåòåéñêîãî ñóäà Àññîöèàöèè Êîììåð÷åñêèõ áàíêîâ Ëàòâèè.
