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Universal Terms Of Service

I. Conditions of execution of international payment transfers

1. Definitions

1.1. International payment transfer – a transfer of monetary funds of the Payer initiated by the Payer to the account of the Recipient indicated by the Payer and opened in an institution of a provider of payment services in any other country apart from the Republic of Lithuania, or a transfer of monetary funds in a currency other than euro to an account opened in an institution of another provider of payment services in the Republic of Lithuania.

1.2. International payment order – a Payment order submitted by the Payer for execution of the International payment transfer.

1.3. European payment order – a Payment order which complies with all of the following conditions:

1.3.1. the currency of the payment is euro (EUR);

1.3.2. funds are transferred to the Provider of payment services of the Recipient in a Member country or Switzerland;

1.3.3. the international SWIFT (BIC) code of the Provider of payment services of the Recipient is indicated;

1.3.4. the number of the account of the Recipient is indicated according to the international standard of bank account numbers (IBAN);

1.3.5. the Payer and the Recipient both pay their share of fees charged by UAB "DSBC Financial Europe" and the Provider of payment services of the Recipient, i.e. the Payer pays for fees of DSBC Financial Europe, which are debited form the Account, whereas the Recipient pays for fees of the institution of the Provider of payment services of the Recipient;

1.3.6. the transfer is standard (non-urgent) or urgent.

1.4. Conditions – present conditions of execution of the International payment transfer.

1.5. Account – the DSBC Financial Europe account of the Payer indicated in the Payment transfer.

1.6. General agreement – General payment service agreement concluded between the Payer and DSBC Financial Europe, conditions of which are applied to the Payer and under which DSBC Financial Europe has opened the Account for the Payer.

1.7. Intermediary bank – an institution which is neither DSBC Financial Europe, nor the Provider of payment services of the Recipient, but which participates in execution of the Payment order.

1.8. Provider of payment services of the Recipient – the provider of payment services indicated in the Payment order, in the institution of which the Recipient has the account to which funds of the Payer shall be transferred.

1.9. Business day – a day on which DSBC Financial Europe, the Intermediary bank and the Provider of payment services of the Recipient execute payment operations under international money transfers. Please note that business days of DSBC Financial Europe, the Intermediary bank and the Provider of payment services of the Recipient may differ.

1.10. Member country – a country which is a member of the European Union and the European Economic Area (EEA).

1.11. Foreign country – a country which is not a member of the European Union or the European Economic Area (EEA).

1.12. Cancellation – an order of the Payer to cancel the Payment order and return transferred funds to the Account of the Payer.

1.13. Specification – an order of the Payer to specify or change data of the Payment order.

1.14. Pricing – prices for DSBC Financial Europe services and operations confirmed according the procedure set forth by DSBC Financial Europe.

When using the service indicated in the present Conditions, the Payer is applied with all terms and conditions of the General agreement and additionally with terms and conditions set forth in the present Supplement. Terms in the present Supplement are used in the meaning defined in the General agreement if the present Supplement does not indicate otherwise.

2. General provisions

2.1. When submitting the Payment order, the Payer undertakes all responsibility for correctness and exhaustiveness of requisites of the Payment order submitted to DSBC Financial Europe and agrees with the present Conditions.

2.2. UAB "DSBC Financial Europe" executes the Payment order submitted by the Payer according to the present Conditions, the General agreement and the legislation of the Republic of Lithuania.

2.3. The Payment order, its Cancellation or Specification shall be submitted to DSBC Financial Europe in written (via email or another method acceptable to DSBC Financial Europe).

3. Terms and Procedure of Execution of the Payment Order

3.1. If the Payer is a User and the transfer is performed in a currency of a Member country to an account in a Member country, DSBC Financial Europe executes such Payment order, i.e. funds are transferred to the Provider of payment services of the Recipient within terms indicated in the Pricing.

3.2. If the Payer is not a User or the transfer is performed in a currency of a Member country to an account in a Foreign country or in a currency of a Foreign country, DSBC Financial Europe transfers such Payment order to the Intermediary bank within terms indicated in the Pricing. The Intermediary bank executes such Payment order by transferring funds to the Provider of payment services of the Recipient or to another Intermediary bank according to internal work regulations of the Intermediary bank and within terms indicated in binding legal acts.

3.3. DSBC Financial Europe debits the amount indicated in the Payment order from the Account of the Payer when transfers the Payment order for execution and sends funds to the Intermediary bank or the Provider of payment services of the Recipient.

3.4. DSBC Financial Europe does not undertake the responsibility if the Payment order is not executed due to false or non-exhaustive requisites of the Payment order. DSBC Financial Europe also does not hold the responsibility for errors committed by the Provider of payment services of the Recipient and/or delayed crediting of funds to the account of the Recipient by the Provider of payment services of the Recipient, or when the Payer in the Payment order does not indicate all data required by the Provider of payment services of the Recipient, which are necessary to credit funds to the account of the Recipient.

3.5. If the Payer is a User and the transfer is performed in a currency of a Member country to an account in a Member country, DSBC Financial Europe holds the responsibility against the Payer for transfer of funds to the Provider of payment services of the Recipient within terms indicated in the Pricing, but does not hold the responsibility for errors of the Provider of payment services of the Recipient and its work regulations applied to execution of the Payment order. In other cases, i.e. when the Payer is not a User or the transfer is performed in a currency of a Member country to an account in a Foreign country or in a currency of a Foreign country, DSBC Financial Europe does not hold the responsibility for errors committed by the Intermediary bank and the Provider of payment services of the Recipient, their work regulations applied to execution of the Payment transfer, and undertakes the responsibility for non-execution or inappropriate execution of such Payment order against the Payer only if it has happened due to a fault of DSBC Financial Europe.

3.6. DSBC Financial Europe does not hold the responsibility for any loses of the Payer, which have occurred due to a change in the currency exchange rate during execution of the Payment transfer.

4. Cancellation and Specification of the Payment Order

4.1. The Payer may submit a Cancellation to DSBC Financial Europe, and the amount of money in the Payment order together with the fees will be returned under the Cancellation to the Account only if DSBC Financial Europe has not yet sent the Payment order to the Provider of Payment Services of the Recipient or the Intermediary bank. In other cases, under a request from the Payer, DSBC Financial Europe may contact the Intermediately bank or the Provider of payment services of the Recipient regarding the possibility of cancellation of the Payment order, but DSBC Financial Europe does not guarantee that the Cancellation will be executed. In such cases, additional fees applied by the Intermediary bank and/or the Provider of payment services of the Recipient may be charged. The Payment order may be canceled only in case of agreement between the Payer and DSBC Financial Europe.

4.2. The Payer may submit to DSBC Financial Europe Specification of data indicated in the Payment order, except for changes in the amount, currency and account indicated in the Payment order, as such data cannot be changed. DSBC Financial Europe specifies the Payment order according to the information indicated in the Specification only if DSBC Financial Europe has not yet sent a message about the Payment order to the Provider of payment services of the Recipient or the Intermediary bank prior to submission of the Specification. If funds have already been debited form the correspondent account of DSBC Financial Europe and/or a message about the Payment order has already been sent to the Provider of payment services of the Recipient or the Intermediary bank, DSBC Financial Europe informs the Provider of payment services of the Recipient or the Intermediary bank respectively about the Specification, but does not undertake the responsibility for execution of the Specification, i.e. in this case execution of the Specification depends on requirements of the Provider of payment services of the Recipient or the Intermediary bank and agreement of the Recipient.

4.3. In case of the European payment order, the Specification cannot be submitted. If the Payer submits such Specification, DSBC Financial Europe will not have to accept and/or execute it.

5. Fees

5.1. For execution, Cancellation and Specification of the Payment order and also for other services provided and other operations executed by DSBC Financial Europe, the Payer pays fees set in the Pricing and valid at the moment of provision of the DSBC Financial Europe service or execution of the operation. Fees are paid under the procedure and within terms set forth in the General agreement by debiting them from the Account. The Payer grants DSBC Financial Europe the right to debit fees indicated in the present clause also from other Accounts of the Payer under the procedure set forth in the General agreement without a separate request from the Payer.

5.2. According to options indicated in the Pricing and under the procedure set forth in clause 6.3 of the present Conditions, the Payer has the right to indicate who has to pay fees applied by DSBC Financial Europe, the Intermediary bank and the Provider of payment services of the Recipient for execution of the Payment order: partly the Payer and the Recipient or only the Payer.

5.3. If the Payer pays for fees charged by the Intermediary bank and the Provider of payment services of the Recipient, but the amount of money paid by the Payer for execution of the Payment order does not cover all fees of the Intermediary bank and the Provider of payment services of the Recipient related to execution of the Payment order, the Payer gives DSBC Financial Europe the right to debit the difference between fees charged by the Intermediary bank and the Provider of payment services of the Recipient and the fee paid to DSBC Financial Europe from the Account and/or another account(s) of the Payer opened by DSBC Financial Europe under the procedure set forth in the General agreement concluded with DSBC Financial Europe, without a separate order of the Payer.

5.4. If the Payment order is returned due to reasons beyond control of DSBC Financial Europe (e.g. due to errors of the Intermediary bank selected by the Provider of payment services of the Recipient or the Recipient or any other Intermediary bank, or due to inaccurate or insufficient requisites in the Payment order and in similar cases), the amount of money indicated in the Payment order is returned to the Account, whereas fees paid by the Payer are not returned and/or the fine for delay of execution of the Payment order is not paid, and all costs related to the return of the funds are debited from the Account.

6. Filling in the Payment Order

6.1. The Payment order shall be filled in according to the instructions given in the System.

6.2. The currency code is indicated by selecting a standard used in the System.

6.3. Field "Type of payment of fees":

6.3.1. if the Payer selects to split the fees (SHA), the Payer pays fees charged by DSBC Financial Europe, which are debited from the Account, whereas the Recipient pays fees charged by the Provider of payment services of the Recipient, which may be debited from the amount transferred to the Recipient. If the transfer is performed in a currency of a Member country to an account in a Foreign country or in a currency of a Foreign country, the Recipient shall also pay fees of the Intermediary bank which may be deducted from the amount transferred to the Recipient. The present payment option is mandatory when the transfer is performed in a currency of a Member country to an account in a Member country;

6.3.2. if the Payer select to pay all fees (OUR), the Payer pays fees charged by DSBC Financial Europe, the Intermediary bank and the Provider of payment services of the Recipient, which are debited from the Account. DSBC Financial Europe does not undertake the responsibility if the Intermediary bank and/or the Provider of payment services of the Recipient do not comply with instructions of DSBC Financial Europe or due to some other reasons beyond control of DSBC Financial Europe the Recipient does not receive the full amount indicated in the Payment order to his/her account. The present payment option shall be selected only if the transfer is executed in a currency of a Member country to an account in a Foreign country or in a currency of a Foreign country;

6.3.3. if the Payer selects neither of the options, it is considered that the fees of DSBC Financial Europe, the Intermediary bank and the Provider of Payment services of the Recipient are split between the Payer and the Recipient (SHA).

6.4. In the field "Payment type" the Payer indicates the payment type according to options indicated in the Pricing, by selecting one of the following: "Standard", "Urgent" or "Very urgent". If neither of the options is selected, it is considered that the payment type is "Standard".

6.5. In the field "Purpose" the Payer indicates the purpose of the Payment order and other additional information about the Payment order.

6.5.1. If the instructions provided in the System in a specific case (e.g. in case of account top up) require to indicate specific data, the Payer shall comply with the instructions and indicate the specific data according to the instruction (e.g. DSBC Financial Europe Account number). Otherwise, DSBC Financial Europe does not undertake the responsibility for execution of the Payment order.

6.5.2. When submitting a Payment order for execution of the Payment transfer to an account in the Russian Federation, the Payer shall indicate the code of the currency operation (VO) (5 digits), which shall be selected according to the payment purpose from the table of codes: "VO codes".

6.6. The Payer is recommended to fill in the field "Recipient’s bank correspondent" if the transfer is performed to the country of the recipient (except for the Republic of Lithuania) in a currency which is not a national currency of the country of the Recipient (e.g. when executing a transfer in US dollars to the Russian Federation).

6.7. The Payment order shall be submitted by the Payer or persons appropriately authorised by the Payer.

6.8. If the transfer is performed to an account in a Member country or Switzerland, the Payer is always recommended to indicate the account number of the Recipient according to the IBAN standard and the international code of the Provider of payment services of the Recipient SWIFT (BIC).

6.9. The Payer confirms that s/he is aware that if funds are transferred to an account in a Member country or Switzerland and the BIC (SWIFT) code of the Provider of payment services of the Recipient or the account number of the Recipient according to the IBAN standard is not indicated in the Payment order, DSBC Financial Europe, at its own discretion, may refuse to execute such Payment order or execute it, but in this case allow the Intermediary bank and/or the Provider of payment services of the Recipient to charge a bigger fee. In such case, the Payer gives DSBC Financial Europe the right to debit the bigger fee (additional fee) charged by the Intermediary bank and/or the Provider of payment services of the Recipient from Accounts of the Payer under the procedure set forth in the General agreement concluded between the Payer and DSBC Financial Europe, without a separate order from the Payer.

II. Payment Collection from Buyers via the Internet

Definition

General Agreement – General payment service agreement, applied to the Customers.

Customers – a Client of the DSBC Financial Europe System who sells goods and services and uses one or more services of payment collection for Customers indicated in the System and provided by DSBC Financial Europe.

(*Explanation: When provisions of the General payment service agreement are applied for all Clients – both Customers and other Clients – the term “Client” is used, and when provisions of the General payment agreement are applied only for Customers, the term “Customers” is used).

Buyer – a payer and/or a final recipient of services provided and goods sold by the Customers using the System for payment collection.

Project – a detailed description of the goods and/or services provided by the Customers for the purpose of payment collection from Buyers for goods or services provided by the Customers by means indicated in the System.

General Provisions

1. The service of payment collection via the Internet provides the Customers with an opportunity to collect payments from Buyers using DSBC Financial Europe account, electronic banking systems specified in the System, credit and debit cards specified in the System, Payment tools issued by DSBC Financial Europe and other means specified by the System.

2. Using this service, all conditions of the General agreement and additional conditions laid down in this Supplement are applied to the Customers. Concepts of this Supplement are used in the meaning indicated in the General agreement.

3. Payment collection methods are provided on our website. Specific payment collection methods are selected by the Customers on his/ her Account when submitting the Project. If specific personal data of a Buyer is required in order for the Customers to execute his/ her activity (e.g. personal ID number), the Customers shall inform DSBC Financial Europe thereof and order the specific Buyer data transmission service. The Customers ensures that s/he has the right to collect such data and processes them in line with the requirements set forth by legal acts. DSBC Financial Europe has the right to refuse to provide specific Buyer personal data, if it violates personal data protection requirements.;

4. In order to use this service, the Customers shall submit to DSBC Financial Europe his/ her Project and other documents required by DSBC Financial Europe.

5. DSBC Financial Europe has the right to refuse to confirm the Project and provide the service to the Customers without explanation.

6. DSBC Financial Europe starts providing the service after the Project of the Customers is confirmed by DSBC Financial Europe and the Customers performs integration in accordance with the integration instructions provided by DSBC Financial Europe. The Customers can use the service of payment collection only in those E-shops of the Customers and only by website addresses (URL) which have been provided in the Project submitted by the Customers and confirmed by DSBC Financial Europe. In the event of amendments to the confirmed Project, the Customers shall inform DSBC Financial Europe thereof immediately, and the amendments to the Project shall be submitted and confirmed according to the same procedure as the Project itself.

7. DSBC Financial Europe provides the service of payment collection from Buyers via the Internet only on the condition that the Customers, who aims to use at least one method of payment collection from Buyers via the Internet, in all cases commits to install and use the method of payment collection via DSBC Financial Europe account. If the Customers does not comply with the requirements of this clause, other methods of payment collection shall be turned off within 14 (fourteen) business days after sending the notification to the Customers. In case violations of this clause recur, the provision of services may be terminated without notice.

8. The Supplement “Collection of Payments via the Internet by Payment Cards” is additionally applied to the Customers who wants to use the service of payment collection via credit and debit cards, and the Customers shall comply with all of the requirements of the aforementioned Supplement.

9. In case the Customers is a legal person, by agreeing to the conditions of this Supplement, the Customers confirms that the person who acts on behalf of the Customers has all the necessary powers to order this service in the name of the legal person. The Customers obligates to provide all the documents necessary to confirm such powers at the request of DSBC Financial Europe.

Price and Settlement Procedure

10. Prices of payment collection via the Internet are provided on DSBC website. The Customers confirms that has carefully studied the prices and terms payment collection, payment transfers and all the DSBC Financial Europe services that are applied to and relevant for the Customers.

11. The amount (commission fee) that belongs to DSBC Financial Europe shall be automatically deducted after the Customers receives a payment. If the commission fee has not been deducted during the operation, DSBC Financial Europe has the right to deduct the commission fee later. The commission fee is calculated in cents, rounded to the upper half.

12. The Customers undertakes not to apply any additional fee when Buyers choose to pay the Customers via the System and not via other payment systems, also not to set additional limitations which might discriminate Buyers when settling via the System, as well as payment methods offered via the System.

13. DSBC Financial Europe shall accept the amount of money indicated in the payment order (document) from the Buyer and automatically inform the information system of the Customers about the completed payment. The System also shall inform Buyers about pending orders. The Customers, under his/ her choice, can refuse this function.

14. DSBC Financial Europe informs and the Customers confirms that s/he understands that for certain payment methods (e.g. payment initiation service) information about a successful payment of the Buyer means only confirmation that the Buyer has completed the payment, but does not confirm the payment receipt. DSBC Financial Europe does not guarantee that the Buyer will not cancel the payment later and the funds will be credited to the account of the Customers. When providing services or selling goods without receiving the payment (or when the payment is under reserve according to conditions of the present supplement), the Customers operates at his/ her own risk. The Customers may choose to receive information about received payment only after funds are credited to his/ her account.

15. DSBC Financial Europe credits amounts for goods and services that belong to the Customers to the DSBC Financial Europe Account of the Customers, opened in accordance with the conditions of the General agreement.

16. Under a separate request by the Customers and a consent by DSBC Financial Europe, DSBC Financial Europe can provide the Customers with a possibility to choose all funds credited to the Account to be converted into one currency automatically.

17. The Customers agrees that DSBC Financial Europe can use the income or a part of an income received from the Customers for the provided service at its discretion to pay bonuses to the Buyer, and it will be considered as a discount, indirectly provided to the Buyer by the Customers.

18. The Customers obligates not to split paid amount of money for a shopping cart into several payments.

19. The account statement for the services specified in the present Supplement and provided to the Customers, as well as the deducted commission fee shall be uploaded to the System or, upon a Customer’s request, shall be sent by email provided by the Customers. The account statement equals a VAT invoice issued for financial services exempt from VAT and specified in Article 28 of the Law on VAT in accordance with clauses 18-1 of the Rules for Issuance and Recognition of Accounting Documents Used for Tax Calculation, confirmed by the Resolution of the government of the Republic of Lithuania No. 780 from May 29, 2002. Upon the Customer’s request to receive a written statement signed and stamped by DSBC Financial Europe, a fee set by DSBC Financial Europe shall be applied.

20. DSBC Financial Europe stores copies of payment orders not less than 6 (six) months, but not longer than it is determined by the applicable legislation.

Refunds

21. If a payment accepted in favor of the Customers has to be returned to the Buyer, DSBC Financial Europe refunds all or a part of the amount to the Buyer at the request of the Customers, written or submitted in the System. A refund is carried out in the same way as the payment has been performed (refunds in cash are not available). A commission fee applied to the Customers for the acceptance of such payment is not returned to the Customers. Before making a refund to the Buyer, the commission fee of the refund service shall be indicated in the System.

22. In the event of the payment accepted in favor of the Customers has been performed in an unauthorized manner (theft of Payment instruments, Passwords or any other cases when the payment is deemed to be unauthorized) and money has been irreversibly deducted from DSBC Financial Europe, DSBC Financial Europe has the right to deduct the same amount of money from the Customers, and the Customers shall immediately transfer the amount deducted by DSBC Financial Europe and reimburse DSBC Financial Europe all costs and expenses incurred due to such unauthorized payments. DSBC Financial Europe shall not assume the risk and be liable for the damage caused due to unauthorized payments performed through third systems. If the Customers does not have a sufficient amount of collected funds in the System to reimburse the incurred loss, the Customers shall transfer the required amount of money to the bank account specified by DSBC Financial Europe within 7 (seven) calendar days after receipt of the notice. DSBC Financial Europe shall inform the Client about each such case by an individual notice via email.

23. In dependence on the Project category and payment method, DSBC Financial Europe has the right to set an amount of funds which shall be held on the DSBC Financial Europe account of the Customers (a payment reserve) to ensure requirements of payers imposed on the Customers, arising out of disputes. The amount of the reserve is set for each Customers individually in dependence on the following circumstances:

23.1. the Customers completely terminates his/ her business or a major part of the business;

23.2. the Customers essentially changes his/ her business model;

23.3. the activity carried out by the Customers is of a significant risk in comparison to activity of other Customers providing analogous services;

23.4. the Customer's general financial situation has changed;

23.5. the Customers becomes insolvent or for other reasons cannot repay debts in time;

23.6. DSBC Financial Europe at its own discretion reasonably considers that the Customers cannot fulfill the obligations under the General agreement and this Supplement;

23.7. DSBC Financial Europe receives many complaints from Buyers concerning the payment collection service under this agreement, requests for refunds, unauthorized payment reports. Many shall be deemed over 2% of all payment operations executed in favor of the Customers.

24. The Parties can discuss the amount and period of holding the reserve under a separate agreement.

25. DSBC Financial Europe can apply a temporary hold of payment funds received to the DSBC Financial Europe account of the Customers. Standard percentage and term of such hold is given on our website. The terms and percentage can be changed by notifying the Customers thereof 30 calendar days in advance. If the Buyer cancels the payment or DSBC Financial Europe does not receive funds for other reasons, DSBC Financial Europe deducts the held amount from the account of the Customers.

Technical Integration of Services

26. The Customers, who aims to use the service of payment collection via the Internet described in this Supplement, undertakes to link his/ her system with that of DSBC Financial Europe in accordance with instructions provided by DSBC Financial Europe, information is public on website.

27. The Customers understands and agrees that incorrect integration may evoke additional loadings of the System which are undesirable and unacceptable; therefore, the Customers shall ensure the connection to be performed strictly according to the instructions.

28. DSBC Financial Europe can change the solution for technical integration of services without constraint and at any time. The notice about any changes which require corrections in the software of the Customers shall be made at least 90 (ninety) days in advance. The Customers understands that after DSBC Financial Europe changes Integration instructions and informs the Customers thereof, the Customers has to update the connection of the systems on his/ her side at his/ her own expense in 90 (ninety) days since the day of the notice. Required changes on the Customer’s side shall be performed at his/ her own expense.

Confirmations and Agreements of the Parties

29. The Customer commits to always inform Buyers that the System will be used to perform payments.

30. The Customer is prohibited from using logos of banks or other payment systems without a written consent of their owners, except when the owners of the systems do not require such consent.

32. If names or other information of banks or other payment systems are used on the Customer’s website, these data shall be transmitted from the DSBC Financial Europe System in order for the data to comply with the requirements set out by the data holder. The Customers undertakes to track changes in the payment service provider’s logo, name or other information and update such data on his/her website within 1 (one) month since the relevant changes have occurred.

33. The Customer's registration in the System means his /her confirmation and guarantee to Buyers that s/he will operate honestly and his/ her actions meet the interests of DSBC Financial Europe, the Customers and the Buyer. The Customer is responsible for the content on his /her website. The Customer also undertakes to provide services and sell goods to Buyers in a quality and timely manner.

34. The Customer confirms that s/he has all the necessary ownership rights to sell goods and/or services and ensures that the System will not be used by third persons not entitled to use of the System.

35. The Customer ensures that all actions of the Customers related to execution of the Agreement, as well as goods sold and/or services provided will comply with the law of the Republic of Lithuania and the state, where the goods are sold and the services are provided. The Customers shall bear liability for all consequences arising out of failure to observe these obligations.

36. Providing the service set forth in the present Supplement, DSBC Financial Europe is not liable for goods sold and/or services provided by the Customers and consequences arising out of the sale of goods and/or provision of services. DSBC Financial Europe also does not guarantee that the other party of the transaction formed by the Customers (the Buyer) will fulfill the transaction (e.g. when the payment was not canceled or other actions were not executed). If the other party (Buyer) of the transaction carried out by the Customers does not complete the transaction, it is considered a debt of the Buyer or another violation of liabilities against the Customers. DSBC Financial Europe does not guarantee the identity of the Buyer either.

37. The Parties (the Customers and DSBC Financial Europe) undertake to ensure the proper application of organizational and technical means intended for protection of personal data of Buyers from accidental or illegal destruction, replacement, disclosure or other illegal processing as it is established by applicable legal acts.

39. The Parties (the Customers and DSBC Financial Europe) commit not to store the identification data of Payment tools of Buyers, ensure the confidentiality of identification data of Payment tools of Buyers and personal data and guarantee that such data will not become known to any third persons, including employees of the Customers.

40. The Parties (the Customers and DSBC Financial Europe) undertake not to require additional data of Buyers, including identification tools used by the Buyers in performing transactions through e-banking systems. Buyers must provide only information, which is necessary to deliver goods or provide services.

41. The Customers, using DSBC Financial Europe services for business or professional needs, is recommended to place a “Label of Quality and Reliability” on the Customer's website during the Agreement validity period along with the reference to the System.

42. The Customers agrees for his/ her logo and descriptions of services and/or goods to be displayed in the System. DSBC Financial Europe has the right to delete such descriptions from the System without a separate warning and without indicating reasons for the deletion.

43. The Customers undertakes to inform DSBC Financial Europe about any changes, including information related to the Customer's (legal person's represented by him/ her) legal status, type of activity, authorized persons with the right of signature, Internet address and other information, which can significantly affect the execution of the General Agreement and this Supplement, immediately, but not later than 5 (five) business days prior to such changes. The Customer is responsible for all consequences arising out of improper execution of the obligations and failure to provide the aforementioned information on time.

44. The Customer shall immediately inform DSBC Financial Europe about any circumstances, owing to which harm to information systems and/or the execution of the agreement has been caused or could have been caused, also provide other information that may be necessary for the proper execution of the agreement.

Prohibited Activities

45. The prohibited activities are indicated in Section 9 of this agreement.

46. Accepting payments via the Internet, the Customer is also prohibited from:

46.1. accepting payments in an unregulated and/or unsupervised virtual currency;

46.2. indicating incorrect prices for goods or services or not indicating the whole price;

46.3. advertising by SPAM (e.g. sending large amount of messages via email, Skype and ICQ or other internet communication tools);

46.4. providing a comparison of payment method prices to a Buyer.

47. The Customer is obliged to ensure that the services provided or goods sold by him/ her meet and do not violate the legislation of a specific country where the services are provided or goods are sold, and he/she has all the necessary permits and/or licenses to carry out the respective activity.

48. In case it turns out that the Customer has not complied with or violated the obligations to perform the prohibited activities indicated in the Supplement, or his/ her activity has not complied with or violated the legislation of a specific country, and DSBC Financial Europe has incurred losses for this reason (e.g. fines imposed, explanations required, an agreement with an operator terminated), DSBC Financial Europe has the right to, in a non-adversarial manner deduct from the account of the Customers all expenses and losses incurred due to obligation breaches by the Customers. If the amount of funds on the Customer's account is insufficient to cover the expenses, the Customers shall immediately transfer the amount of incurred losses indicated by DSBC Financial Europe to the account indicated by DSBC Financial Europe.

Suspension of Services

49. If it becomes known (e.g. it is publicly announced) that the Customers is unable or will be unable to provide services to the Buyer (e.g. is bankrupt), DSBC Financial Europe has the right to suspend the payment collection service and/or disbursement of collected payments (for up to 180 days) for the Customers, leaving the possibility to return funds to Buyers via the System. This clause is not applied if the Customers presents to the Buyer documents confirming the ability of the Customers to provide services to the Buyer.

50. DSBC Financial Europe, acting reasonably and taking into account the interests of the Customers, has the right to limit the provision of services partially or completely without a prior warning, suspend the provision of the service described in this Supplement and/or suspend (reserve) payments collected on behalf of the Customers for up to 180 (one hundred and eighty) days, terminate contractual relationships and refuse to provide services in the future at any time, in case it becomes known that:

50.1. the Customers does not comply with or violates the requirements of the Section “Prohibited Activities” of this Supplement;

50.2. distribution of the Customer's goods or services can harm DSBC Financial Europe business reputation;

50.3. if the liabilities of the Customers assumed on the basis of this Supplement are violated or a real (reasonable) threat of violation appears, or reasonable interests of Buyers may be harmed due to further provision of services;

50.4. the percentage of fraud payments accepted in favor of the Customers in number or amount exceeds 5% (five percent). Fraud payments include unauthorized payments and payments made using payment tools and/or funds managed illegally;

50.5. the Customers uses the service of payment collection on website addresses (URL), which have not been indicated in the Customer's Project or its amendments and have not been confirmed by DSBC Financial Europe, hence violating the established procedure;

50.6. in all the other cases set out in the General payment service agreement.

50. DSBC Financial Europe shall inform the Customers about the limitation of provision of services immediately (in one hour). About the possibility to return the funds the Customers shall be informed in 2 (two) business days from suspension of provision of services.

51. In order to protect Customers, Clients and Buyers from online fraud, DSBC Financial Europe always strives to objectively and promptly assess the current situation of the Customers and the Buyer and take appropriate security measures. DSBC Financial Europe reserves the right to suspend the provision of services and/or disbursement of money in the event of a conflict situation and in anticipation of allegedly criminal activity. This right is never used upon receipt of a complaint on the Customers, who has been operating successfully and using DSBC Financial Europe services for a long period of time since usually any misunderstandings are resolved by such Customers directly with the Buyer. DSBC Financial Europe reserves the right to ask for additional evidence of the identity and activities of the Customers or the Buyer in order to ascertain the real situation between the Seller and the Buyer. In the event of failure to resolve the situation through dialogue or in case reasonable suspicion of potential fraud has arisen, DSBC Financial Europe shall transfer all information on disputes and the agreement to law enforcement authorities, and the provision of services and disbursing money collected shall be suspended.

52. The purpose of limitations set forth in this Supplement and in the General payment service agreement is to protect DSBC Financial Europe, Customers, other Clients, Buyers and other third persons from possible monetary sanctions, losses and other negative consequences.

Informing about Malfunctions

53. DSBC Financial Europe shall notify the Client in advance, in accordance with the procedure provided in the General agreement, about known and potential technical failures of the System and systems or equipment of third parties involved by DSBC Financial Europe for the provision of services, which have impact on the provision of DSBC Financial Europe services. The Customers also undertakes to immediately inform Buyers and DSBC Financial Europe about technical failures, maintenance and repair works planned, which can have an impact on the Customer's provision of services or selling of goods to Buyers.

Liability

54. Liability of the Parties is determined by conditions of the General agreement.

Disputes between Customers and Buyers

55. DSBC Financial Europe investigates disputes between the Customers and the Buyer related to the goods sold by the Customers in the following cases:

55.1. the Buyer settles for Customers’ goods via the System;

55.2. the whole amount for goods was paid;

55.3. the goods are not delivered or something entirely different from what the Buyer has expected is delivered (for example, a tape is delivered instead of DVD; delivered goods are not brand new, though they have been advertised as brand new; the amount of goods does not coincide; the goods have been damaged during transportation, etc.). Goods shall be considered suitable, if the Customers has indicated deficiencies of goods to the Buyer in advance.

56. DSBC Financial Europe does not deal with disputes under cases set forth in this Supplement, if the dispute arises:

56.1. when the Buyer settles for provided services and everything else that is intangible;

56.2. when settling for real estate, vehicles, securities, artworks and antiquarian items.

57. Before contacting DSBC Financial Europe, the Buyer shall contact the Customers directly.

58. The Customers shall respond expeditiously (not later than within one business day) to the requests of Buyers which have been submitted to the Customers by the contact data indicated on the Account of the Customers.

59. In case the Buyer and the Customers fail to resolve the dispute directly, the dispute shall be settled by DSBC Financial Europe. In order for DSBC Financial Europe to start settling the dispute, the Buyer shall:

59.1. fill in the required form in the Account or send a notification to DSBC Financial Europe by email at [email protected] not later than within 30 (thirty) days after the day when the payment for goods was executed. If the dispute originates due to undelivered goods, such request must be filled in not earlier than 7 (seven) days after of the delivery term expiration;

59.2. submit all available information and documents not later than 3 (three) days upon the request from DSBC Financial Europe. DSBC Financial Europe may also request the Buyer to provide evidence that the goods were returned to the Customers.

60. After DSBC Financial Europe receives a request and additional information from the Buyer, DSBC Financial Europe addresses the Customers with a request to provide explanations and evidences of proper performance of obligations. The Customers commits to provide to DSBC Financial Europe all available information and documents requested not later than in 3 (three) days upon the request of DSBC Financial Europe.

61. After DSBC Financial Europe evaluates all collected information and data, it takes a decision in favor of the Buyer or the Customers. As DSBC Financial Europe is neither a court nor an arbitration tribunal, the decision is taken following DSBC Financial Europe criteria which correspond to the requirements of reasonableness and honesty. DSBC Financial Europe decision does not have to coincide with the decision of court which shall settle the dispute later in case the Buyer or the Customers take the dispute to the court. DSBC Financial Europe has the right to refuse to make a decision due to lack of information or other important reasons.

62. When settling the dispute DSBC Financial Europe has the right to withhold the amount under dispute on the DSBC Financial Europe Account of the Customers.

63. In case DSBC Financial Europe makes a decision in favor of the Buyer, DSBC Financial Europe has the right to oblige the Customers to return the relevant amount of money and delivery costs to the Buyer (or DSBC Financial Europe transfers Customer's funds to the Buyer, if Customer's funds have been withheld during the dispute settlement), and oblige the Buyer to return the goods to the Customers at Customer's cost.

64. The decision of DSBC Financial Europe for the Buyer and the Customers is of recommendatory nature. The Buyer and the Customers undertake to operate honestly and observe the decision of DSBC Financial Europe.

65. In the present Supplement, the requirements of the direct service provider to the direct users of the services – Customers are specified, to which the Customers undertakes to adhere. In case the direct service provider imposes liability on DSBC Financial Europe due to a breach of the Customer’s duties, the Customers shall reimburse all the related direct and indirect damages.

66. Provisions of this Supplement, regulating settlement of disputes between Buyers and Customers, do not deprive the Buyer and the Customers of the right to apply to court or other competent institution for protection of the violated rights.

III. Collection of payments via the Internet with payment cards

Definitions

General agreement – General payment service agreement, conditions of which are applied to the Customers.

Deposit – funds reserved on the Customer's DSBC Financial Europe account, which secure payers' requirements to the Customers arising from disputes.

E-shop – a website of the Customers provided in the Questionnaire, where the Customers offers his/her goods and services.

Refund – a claim against the Client to refund money when disputing the Transaction according to ICCO regulations.

Questionnaire – a questionnaire where the Customers provides detailed information about him/herself, his/her E-shop, goods and services and types of accepted Cards. The Questionnaire is an integral part of the present Supplement.

Card – Visa, Visa Electron, MasterCard or Maestro payment card used to carry out Transactions.

Cardholder – a legal or natural person who pays with the Card for goods and/or services of the Customers on the E-shop.

Customers – a Client of DSBC Financial Europe System, a legal person registered in the center of registers of a member country of the European Union, who has entered into the General agreement with DSBC Financial Europe and while selling goods and services uses one or more services of payment collection for Customers indicated in the System and provided by DSBC Financial Europe, and aims to use the service of Collection of payments via the Internet with payment cards resold by DSBC Financial Europe.

(*Explanation: When provisions of the General Payment Service Agreement are applied for all Clients – both Customers and other Clients – the term “Client” is used; whereas when provisions of the General payment agreement are applied only for Customers, the term “Customers” is used).

PCI DSS – payment card industry data security standards.

Buyer – the payer and/or the final recipient of services provided and goods sold by the Customers using the System for collection of payments.

Project – a detailed description of the goods and/or services provided by the Customers for the purpose of payment collection from Buyers for goods or services provided by the Customers by methods indicated in the System.

Recurring payment service – service that enable Customers to provide the Buyer with the ability to sign up for automatic billing and with the ability to charge the Buyer automatically and (or) regularly using Buyer‘s payment card.

Rules on cancellation of purchases – rules, publicly submitted and confirmed by the Customers, regulating cancellation of purchases of goods and/or services made in the E-shop of the Customers.

Interface – interface (software) between DSBC Financial Europe and the Customers, securing reception of Transaction authorization messages and administration of Cards in real time.

Transaction – a financial action performed to carry out the purchase of goods or services on the E-shop using the Card.

Transaction data – information on the Transaction and information about the Card used for the Transaction and identification of the Cardholders.

ICCO – International VISA and/or MasterCard credit card organizations.

General provisions

1. The service of collection of payments via the Internet provides the Customers with the possibility to collect payments from Buyers using Cards indicated in the System.

2. When using this service, all conditions of the General agreement, Supplement “Collection of Payments from Buyers via the Internet”, additional conditions laid down in this Supplement and ICCO rules are applied to the Customers. The Customers confirms that s/he has learned the present conditions and commits to comply with them. In case of discrepancies between the Agreement, its Supplements and ICCO rules, ICCO rules shall apply. Terms in the present Supplement are used in the meaning indicated in the General agreement.

3. In order to use this service, the Customers shall submit DSBC Financial Europe his/her Project, data on the headquarters of his/her activity, name(-s) used in the activity and other documents required by DSBC Financial Europe in the System. The service is provided only after the Customers submits all documents and information requested by DSBC Financial Europe.

4. DSBC Financial Europe has the right to refuse to confirm the Project and provide the service to the Customers without explanation.

5. The service is provided after DSBC Financial Europe confirms the Project of the Customers and receives all mandatory documents of the Customers, and the Customers performs integration in accordance with the integration instructions provided by DSBC Financial Europe.

6. This Supplement sets forth and specifies conditions of payment collection via the Internet and liabilities of the Parties when the Payer pays the Customers via the Internet by Cards.

7. This Supplement is drawn up in accordance with the legislation of the European Union regulating provision of payment services and payments with payment cards, rules of VISA and MasterCard organizations and rules for using cards set by Partner-Banks of DSBC Financial Europe.

8. This Supplement is an integral part of the General agreement and thus shall be read and explained together, in accordance with the general context of the contractual documents.

9. The Supplement can be applied only for legal persons who are registered in the center of registers of a member country of the European Union and have entered into the General agreement with DSBC Financial Europe.

Rights and liabilities of the Customers

10. The Customers commits to:

10.1. accept from the Cardholder Cards which have been indicated in the Customer's Questionnaire as payment instruments for goods and services provided in the E-shop of the Customers;

10.2. pay for the service commission fees which are indicated clearly on our website

10.3. if the Cardholder refuses the purchased goods and/or services or if the Customers does not deliver the goods and/or services properly, The Customers, after receiving respective information, commits to return to the Cardholder the amount of the transaction partially or fully according to the Rules on cancellation of purchases confirmed by the Customers and publicly available to Buyers;

10.4. after receiving the message on Refund from DSBC Financial Europe, the Customers commits to inform DSBC Financial Europe about his/her decision in 3 calendar days: either to perform the Refund or to dispute it providing DSBC Financial Europe with documents confirming the Transaction. If the Customers does not agree with the complaint of the Buyer and the requirement for refund and disputes it, s/he has to cover all expenses arising out of the dispute, including the commission fee of the handling of the complaint and the appeal, and also potential arbitration costs;

10.5. use only the Interface provided by DSBC Financial Europe for accepting Cards in the E-shop;

10.6. make sure that employees or representatives of the Customers are responsible for execution of this Supplement, ICCO rules and their amendments;

10.7. cooperate with and provide DSBC Financial Europe necessary help in the event of a dispute over Transactions of Card holders in the E-shop;

10.8. inform DSBC Financial Europe about any frauds or unauthorized actions related to Cards and execution of liabilities set forth in this Supplement;

10.9. accept all valid and appropriately identified Cards as instrument for cashless payments for goods and/or services, indicating the price of the goods and/or services during the Transaction;

10.10. ensure compliance of his/her E-shop with ICCO requirements;

10.11. send copies of documents confirming the Transaction requested by DSBC Financial Europe not later than within 3 calendar days from the request (by fax, email, registered mail, or in other way when the fact of delivery can be confirmed). If the Customers cannot send the requested documents within the time limit indicated above, s/he has to inform thereof in written and indicate the date of information delivery and the reason for not sending the information on time or not sending it at all. If the representative of DSBC Financial Europe arrives at premises of the Customers, s/he has the right to receive a copy of information confirming the Transaction;

10.12. comply with the DSBC Financial Europe General agreement and its Supplements, instructions of the Partner-Bank (if such are provided during the period of execution of contractual liabilities) and rules of the International credit card organizations. The liability is also valid for the rules, orders and requirements of acceptance of Cards adopted after signing this Supplement;

10.13. fill in and submit the Questionnaire provided by DSBC Financial Europe (the original);

10.14. under the request of DSBC Financial Europe to prevent violation of the rules of this Supplement and ICCO, the Customers commits to prevent such violation in 3 days after receiving the notification;

10.15. the Customers can use the service of Collection of payments only in the E-shops of the Customers and only by the website addresses (URL) which have been provided in the Questionnaire submitted by the Customers and in the Project, and confirmed by DSBC Financial Europe. If there any amendments in information indicated in the confirmed Project, the Customers shall inform DSBC Financial Europe thereof immediately, and the amendments of the Project are confirmed according to the same procedure as the Project itself;

10.16. upon reception of a demand from DSBC Financial Europe, immediately perform changes on his/her websites, and perform other necessary and appropriate actions to ensure compliance of the Customers with ICCO rules on the use of trade marks;

10.17. submit all documents and information requested by DSBC Financial Europe (if the Customers does not execute the requirements, DSBC Financial Europe has the right to suspend provision of services).

11. The Customers has no right to:

11.1. charge an additional fee for the payment to be carried out by Card (except for cases, when it is set out in the legislation and aligned with DSBC Financial Europe and the Partner-Bank according to the rules of ICCO). If the additional fee is set out in the legislation, it has to be included into the amount of the Transaction and cannot be collected separately;

11.2. set a minimum Transaction amount;

11.3. accept the Card as payment with the aim to cover or refinance any other liability than indicated in this Supplement or in the Questionnaire;

11.4. issue cash for the Transaction or after canceling it;

11.5. issue a bill of exchange, check or any other payment document for further payments;

11.6. split the Transaction into separate pieces;

11.7. store and reveal data of the Cardholder, Card number, Card validity date, CVC/CVV and any other information related to the acceptance of the Card or the Cardholder to third parties. This liability of the Customers is termless;

11.8. accept the Card as a payment instrument for commercial activity performed by a third party;

11.9. issue electronic money as the result of the Transaction;

11.10. use Card data for other purposes than Transaction processing before, after and during the Transaction;

11.11. submit for execution the Transaction which is fraudulent or unauthorized by the Cardholder, when the Customers knows about it or is supposed to know; also, the Transaction which is carried out with a fraudulent purpose upon the agreement with the Customers. The Customers is liable for actions of his/her employees, agents, mediators, and representatives when executing conditions of this Supplement;

11.12. reveal any information which has become known when carrying out liabilities set forth in this Supplement to third persons.

Services Agreements:

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