Code 012211022/2
Bank Account Agreement
___________________________________
(Place where made) "_____"________________20__
This Agreement has been made by and between Sberbank, hereafter the Bank, represented by _________________________________________________________________,
(Authorised representative’s full name and title)
acting under Sberbank Charter, Regulations on __________________________ and _______________________________________________
(A power of attorney or a general power of attorney)
No ____________ dated _____________, on the one part, and
_______________________________________
_______________________________________________________________________________________, (Company’s full name as stated in its constituent documents / full name of the individual engaged in private practice)
hereafter the Customer, represented by __________________________________________________, (Title and full name of the Customer’s authorised representative, unless otherwise stipulated by law or national usage)
acting under _______________, on the other part, hereafter collectively the Parties, (Name of the document)
as follows:
1. SUBJECT OF THE AGREEMENT
1.1. The subject of this Agreement (hereafter, this Agreement) will be the opening of account(s) by the Bank for the Customer, denominated in1:
Currency Bank account number Transit account number2
(hereafter the Account) as well as payment and cash services for the Customer under Russian law, regulations of the Russian Central Bank (Bank of Russia), Schedule of Tariffs and Customer Services offered by the Bank and its branches (hereafter, Tariffs), as well as other terms of this Agreement.
The Bank will draw up a list of currencies for Customer Accounts and post them on its official website.
1.2. Should the Bank of Russia introduce during the term of this Agreement any other procedure for bank account opening and maintenance than the one stipulated by this Agreement, the Customer will be serviced in accordance with the procedure adopted by the Bank of Russia.
1.3. The Bank will open a Customer Account on Customer’s written application under this Agreement, provided that the Bank has received the documents required for opening and maintaining the Account (Annex 1 to this Agreement). The list of such documents will be posted on the Bank’s official website. During the term of this Agreement, the Bank may open additional bank accounts following Customer’s written application.
2. TERMS AND DEFINITIONS
Irrevocable transfer: a characteristic of a funds transfer taking effect as soon as the funds are debited to the
Customer Account.
1
Please state here the names of any accounts opened simultaneously in multiple currencies and/or multiple accounts in one currency.
Card: a card with the samples of signatures and seal attested by the Bank or notarised.
Urgent payment3: a funds transfer from the Customer Account same day value on the basis of a duly
generated payment order with an urgency tag, accepted from the Customer outside the established operational hours.
Non-resident: a legal entity, an individual entrepreneur or organisation which is not a legal entity,
established under the laws of other countries and located outside the Russian Federation, as well as their branches, permanent representative offices and other standalone or independent units located in the Russian Federation.
Operational hours: a period of a business day in which the Bank provides Customer service. Operational
hours and extended hours for payments (provided that such a service is offered by the Customer Service Unit) will be posted on the Bank’s official website.
Customer Service Units: Bank branch units offering payment and cash services to legal entities. Ordering party: the Customer, funds claimants or the Bank.
Bank’s Official Website: www.sberbank.ru, always provided that
- Tariffs and operational hours will be shown on page This Agreement – A Development kit in the regional part of sections For Corporate Customers and For Small Business on the regional banks’ website
- Other annexes to this Agreement will be posted on page Open and Maintain Your Account, subsection Payment and Cash Services, section For Corporate Customers and For Small Business.
Business Day: a calendar day (except official days off and holidays) in which the banks transact business in
the Russian Federation and the countries / country groups that are the issuers of the respective currencies.
Orders: Payment and other documents that are used as the authority for transferring / paying out / crediting /
accepting funds from / to the Customer Account.
In RUB: payment documents, Orders for Single / Multiple Fund Transfers from a bank account; cheques, cash payment requests, orders for cash pay-outs from company’s bank account, if their account balance is insufficient.
In a foreign currency: payment orders (for funds transfers in foreign currencies), orders of mandatory sale of a portion of currency proceeds, orders to buy / sell foreign currency, letters / applications for foreign cash.
Payment Documents: payment demands, collection orders, payment requests, payment orders, bank orders. Payment Services: credit transfers / cash pay-ins to the Account by the Bank in accordance with Bank
procedures; debit transfers / cash pay-outs from the Account under the respective Orders generated by Bank Customers (payers and payees), beneficiaries or funds claimants entitled to present Orders to payers’ bank accounts.
Resident: a legal entity (except credit institutions) established under Russian law, an individual entrepreneur
or an individual engaged in private practice under Russian law.
Tariffs: Bank’s pricing offer for its services. Tariffs may be stated in a Schedule of Tariffs (a set of banking
services offered to the Customer over a month, with a specific limit and for a fee). Tariffs may be set in RUB or a foreign currency. Tariffs will be posted on the Bank’s official website.
Bank Branch: regional banks, branches / head branches and their customer service units.
Electronic signature (ES): digitalised information attached to other electronic data (which is being signed)
or otherwise attached to such data and designed for identifying the individual signing such data.
EPD: an electronic payment document which serves as the authority for a transaction on the Customer
Account, which is signed or protected by an electronic signature and is as legally binding as a hardcopy signed by the authorised individuals and (as the case may be) sealed by the Customer.
FF EPD: a full-format electronic payment document (in RUB).
EOID PO/CO: a payment order / collection order in the formal executable information document.
3. GENERAL PROVISIONS
3.1. Procedures for accepting, revoking and returning / cancelling Orders
3.1.1. Orders will be received during the Bank’s operational hours from the Customer or their authorised representative acting under constituent documents or a power of attorney (instruction, law or act issued by a duly authorised government or local authority), with a mandatory check that the contents of any documents certifying Customer’s powers meet the requirements of the federal law and the Order Acceptance Procedure,
which includes:
- Funds disposal right verification - Order integrity check
- Validation of Orders - Validation of Order details
- Checking funds sufficiency for Order execution.
The terms and conditions governing Order acceptance are described in Annex 11 to this Agreement.
3.1.2. The Customer will send their Orders to the Bank in an electronic format or as a hard copy.
Electronic orders will be electronically signed to authenticate that they have been generated by the payer / beneficiary / funds claimants or a person authorised to do so.
The Customer will deliver hard copy orders in two counterparts. The first counterpart must be signed by individuals with the right of the first and second / first signature and sealed (as the case may be). Such signatures and seal must be similar to those on the Card.
3.1.3. An Order shall be valid to be delivered to the Bank within 10 calendar days after its generation. Single / multiple orders for transfers from a bank account will be valid for delivery within 10 calendar days after their generation but not later than their effective date and will continue in force until the expiry date indicated or the Order is cancelled by the Customer. The Customer may cancel an Order by a free-format notice.
3.1.4. The Bank will be deemed to have accepted an Order if the Order acceptance procedure (Clause 3.1.1.) has been successfully completed, including where Orders are put in the pending file.
3.1.5. In the case of a wire transfers, claims of beneficiaries may be paid from the Account.
3.1.6. Orders may be revoked before they become irrevocable by an Order Revocation Request (Annex 10) in an electronic form or as a hard copy.
The procedures governing the acceptance of an Order Revocation Request are similar to the Order Acceptance Procedures in 3.1.1 hereof. An Order Revocation Request will serve as the authority for returning / cancelling an Order.
3.1.7. Orders will be returned / cancelled in case of negative Order acceptance procedure results (Clause 3.1.1 of this Agreement).
The Bank will return / cancel Orders not later than the business day following the day when the authority for cancellation / return arises.
3.1.8. The Bank may establish different operational hours for different Customer Service Units. Operational hours may differ depending on the currency, Bank services or contacts between the Bank and the Customer with regard to the delivery of such services.
3.1.9. The Bank will not pay any interest on the Customer Account balance.
3.2. Order execution procedures. Order execution confirmation. Account statement delivery.
3.2.1. Order execution procedures include:
- Account debit / partial debit on a Customer / beneficiary / claimant Order - Account credit
- Cash payout
- Putting Orders on a pending list, acceptance list or authorisation list (Order Lists) - Returning Orders to senders.
Procedures for credit / acceptance / debit / pay-out from / to the Account will be governed by Section 4 of this Agreement.
3.2.2. The Bank will confirm executed Orders for funds transfers / cash pay-outs from the Account by delivering a statement of account. Partial execution will be confirmed by attaching a payment order to the statement of account.
The Bank will confirm the execution of crediting Orders by delivering a statement of account with FF EPDs (or their copies).
3.2.3. The Bank will send statements of account and FF EPDs authorising credits and EOID PO/CO in an electronic format to the Customer using remote service systems not later than the next business day during the Bank’s operational hours4
. If so required, the Customer may request from the Bank hard copies of statements of account and attachments. The Bank will deliver the said documents on a paid basis under Tariffs.
Hard copies of statements of account, FF EPDs (their copies) and EOIDs PO/CO (their copies) will be made available to the Customer or its authorised representative acting under constituent documents or a power of attorney / legal instruction, an act by a duly authorised government or local authority not later than the next business day during the Bank’s operational hours against the Customer’s or its authorised representative’s signature in the Bank’s registration sheet. The Customer undertakes to inform the Bank of any credits or debits made in error within 10 (ten) business days of receiving the statement of account.
3.2.4. Transactions on and the balance of, account will be deemed confirmed by the Customer if the Bank has not received a written application stating any credits and/or debits made in error within 10 (ten) calendar days of receiving the statement of account.
3.3. Communications between the Parties
3.3.1. The Bank will inform the Customer of any changes to Tariffs, servicing procedures (including the work schedule and operational hours; terms of acceptance for execution, revocation, return / cancellation of Orders) via the Bank’s official website or by a written notice to be sent not later than 15 (fifteen) calendar days before such changes take effect.
3.3.2. The Bank acting, inter alia, on a Customer request will ensure that any Orders accepted and executed in an electronic format could be reproduced electronically and as hard copies in the formats stipulated by the Bank of Russia regulations, Bank memoranda and this Agreement.
3.3.3. The Bank will make available the following forms to the Customer by posting information on the Bank’s official website as well as otherwise at the Bank’s discretion:
- The List of Documents for opening and maintaining the Account (Annex 1 to this Agreement) - Single / Multiple Funds Transfers from the Account (Annex 2 to this Agreement)
- Payment Order (for transfer of funds in foreign currency) (Annex 3 to this Agreement)
- Instructions for Filling-in Bank Details (General Filling Requirements) (Annex 4 to This Agreement)
- Pay-out Order for cash withdrawal from the Account pending sufficient funds (Annex 5 to this Agreement) - Pre-Acceptance/Direct Debit Order (Annex 6 to this Agreement)
- Cancellation of Pre-Acceptance/Direct Debit Order (Annex 7 to this Agreement)
- Acceptance/cancellation of acceptance of payee’s payment requests (Annex 8 to this Agreement) - Beneficiary Information (Annex 9 to this Agreement)
- Order Revocation request (Annex 10 to this Agreement) - Order Acceptance Procedure (Annex 11 to this Agreement)
- Settlements by Letters of Credit in the Russian Federation (Annex 12 to this Agreement) - Currency Conversion Terms (Annex 13 to this Agreement)
- Urgent Payment Terms and Procedures (Annex 14 to this Agreement) 5.
3.3.4. In the event of a reorganisation or changes to the documents presented at the time of Account opening, including the confirmation of powers of the individuals operating the Account on Customer’s behalf, or in the event of change of address indicated in EGRUL6 or telephone or fax numbers, the Customer will inform the Bank in writing and deliver a duly certified and generated document at the location of the Account to certify such amendments within 7 (seven) calendar days after such changes take effect.
3.3.5. The Bank may request from the Customer any documents or information required for checking whether or not any transactions on the Customer account meet the requirements of Russian law and for ensuring that the Bank complies with Russian law.
3.3.6. The Customer undertakes to provide the relevant information and documents / copies not later than seven business days of receiving a written request from the Bank unless this Agreement or Bank of Russia regulations provide otherwise.
3.3.7. Copies exchanged by the Parties as provided by this Agreement must be duly drawn and attested by authorised individuals’ signatures and seal / stamp, or be notarised.
3.3.8. The Customer will provide written confirmations of the balance of Account as at 1 January within 5 (five) business days into every new calendar year.
3.3.9. The Bank will disclose information that constitutes a banking secret only to the Customer or authorised representatives of the Customer or (under Russian law) to government authorities or their officers. 3.3.10. The Customer will ensure that:
- The individuals authorised by the Customer to operate the Account and/or receive information from the Bank on the Account status or any other information related to the Account or its existence submit their personal data to the Bank
- The said and other individuals whose personal data are included in the documents submitted by the Customer to the Bank give their consent for their data to be processed by the Bank (including computerised processing) under Russian law, including Federal Law No 152-FZ dated 27 July 2006 On Personal Data 3.3.11. A Party will be deemed duly notified on the date:
- when the relevant information was posted on the Bank’s official website; or - when the other Party was served a notice through a remote service system; or
- when the Party’s authorised individual received a written notice at the location of the Account; or
- which falls after the expiry of a postal delivery period for the relevant Russian federal entity counting from the date of service by registered mail.
4. TRANSACTIONS ON THE ACCOUNT
4.1. The list and terms for payments and cash services offered by the Bank will be subject to operating Tariffs and this Agreement.
4.2. The Bank will make funds transfers / pay-outs from the Account with due regard to the balance of the Account in the calendar priority of Customer’s incoming payment documents, cheques and other Orders. 4.3. Where the balance of the Account is zero or insufficient, the funds will be transferred / paid out in the priority established by Russian law.
4.4. The Customer has an unrestricted right to operate the funds on their Account, subject to any constraints imposed by Russian law or this Agreement.
4.5. The Bank may decline a Customer Order and/or transaction on the Account under Russian law or if the Customer failed to pass Order Acceptance and Execution Procedures as provided in Clause 3.1.1 of this Agreement.
4.6. Based on Customer Orders, save as provided by Clauses 4.10 and 5.8 of this Agreement, the Bank will make a funds transfer from the Account within the dates prescribed by Russian law, debiting the Account not later than the day of receipt of an Order.
The Bank will be deemed to have discharged their obligations to the Customer on a relevant Order at the time when the relevant amount is debited to the Bank’s correspondent Account (in the case of transfers to accounts with other credit institutions) or at the time it is credited to a beneficiary account with the Bank (in the case of transfers to thy Account).
4.7. The Bank will decide on the routing of wire transfers from the Customer Account at their own discretion.
5
This bullet will be excluded if no after operational hours are established for the Customer Service Unit servicing the Customer Account and urgent payments are not accepted.
4.8. Where settlements with the Customer’s counterparties are made by a payment request / collection order, the Customer will deliver a Beneficiary-Requested Direct Debit Statement (Annex 6) / Beneficiary Details (Annex 9).
4.9. The Bank will transfer RUB funds from the Account acting by a beneficiary payment request / collection order, provided that the conditions stated in a Beneficiary-Requested Direct Debit Statement (Annex 6) / Beneficiary Details (Annex 9) are duly met.
4.10. The Bank may direct debit the Account in accordance with Russian law.
4.11. The Customer Account will be credited not later than the day following the one when the Bank received an EPD with a full list of payment details:
- In RUB: after checking the Customer’s account number and INN (KIO) (if the numbers do not match, the check will be applied to the beneficiary account number and name)
- In foreign currency: after checking the Customer’s bank account number and name. If a foreign-currency EPD contains an incorrect / incomplete Customer name, INN / KIO will be used for Customer identification purposes as an additional detail.
Funds in a foreign currency other than the Account currency will be credited without additional authorisation from the Customer at the rate applied by the Bank on the day of the transaction.
If an EPD specifies a foreign-currency Account, funds will be credited in RUB to a transit foreign-currency account with a prior conversion.
4.12. The Bank may make transfers from a transit foreign-currency account to a foreign-currency Account without Customer authorisation prior to the expiry of 15 (fifteen) business days from the date of crediting the transit foreign-currency account, provided that the Bank is able to identify the funds coming for the Customer’s transit foreign-currency account and the Foreign Currency Transaction Statement is duly completed.
4.13. The Bank will accept and pay out Customer’s cash funds under Russian law and Central Bank regulations.
The Bank will issue the Customer with a cheque book so that the Customer is able to receive cash funds in RUB.
4.14. If the balance of the Account is zero or is insufficient, the Customer may deliver a Cash Payout Order from Corporate Account (Balance Insufficient) (Annex 5). If the balance of the Account is sufficient for the execution or partial execution of a Cash Pay-out Order from Corporate Account (Balance Insufficient), the Customer will deliver a money cheque for the amount payable from the Account not later than the next business day.
If the Customer fails to deliver the said money cheque within the said dates, the Bank will cancel the Cash Pay-out Order from Corporate Account (Balance Insufficient) and will continue to execute other Orders on the Account with due regard to their priority.
4.15. If the balance of the Account is sufficient, the Bank will pay cash funds from the Account not later than the day following the one when the Bank accepted a money cheque / request for foreign cash.
4.16. The Customer will return the cheque book with unused cheques and stubs to the Bank if the Customer name or Account number is changed or the Account for which the cheque book was issued becomes closed.
4.17. LC payments in the Russian Federation will be governed by LC Payment Terms for Russia (Annex 12).
4.18. Conversion transactions on the Account will be governed by Conversion Terms (Annex 13).
4.19. The Bank will make urgent payments after operational hours under Urgent Payment Terms and Procedures (Annex 14)7.
5. TARIFFS
5.1. The Bank will charge for their services by direct debiting the Account by a banking order as transactions are made or on a monthly basis under Tariffs valid on day of transaction.
If the Bank has not received the payment in full for the services provided, it may apply an additional debit for the relevant amount.
5.2. The Bank may introduce new Tariffs, amend and/or cancel the existing Tariffs unilaterally.
5.3. The Customer will pay Bank services by Tariffs in full and in due time or will ensure that such a payment can be made by maintaining the relevant balance of the Account, which does not serve as collateral
for any other Customer obligations, is not arrested or otherwise encumbered.
5.4. The Customer will reimburse the Bank for any third party charges on any transactions requested by the Customer.
5.5. If the balance of the Account is zero the Customer will pay the services of and reimburse the Bank for, their expenses from other Customer account(s) or from third party accounts or pay Bank services in cash at the location of the Account8.
5.6. The Bank may decline a Customer service if the balance of the Account is insufficient for that service to be paid by at the existing Tariffs unless the Parties have agreed an overdraft on the Account. 5.7. Acting with regard to Customer’s direct debit statement, the Bank will debit the Account for any Customer obligations to the Bank that may have arisen under credit agreements (including loan contracts or facility agreements) and/or Suretyship agreements and/or bank guarantee / counter-guarantee / Suretyship agreements made between the Customer and the Bank as well as any agreements that may be made during the term of this Agreement.
5.8. The Bank will debit the Customer Account for collection payments for:
- Any fees subject to the Tariffs as the Bank provides service under this Agreement as well as any charges of the intermediary banks in connection with Customer orders and other extra expenses actually borne
- Any fees subject to the Tariffs for any services provided by the Bank under servicing agreements, bank account agreement with the Customer, including those denominated in a foreign currency9 - Any funds that the Bank may have credited to the Account in error.
5.9. If the Tariff currency is different from that of the Account opened under this Agreement, Bank services shall be paid by direct debiting the Account for the relevant amount at the rate of the Bank / Bank of Russia subject to the Tariffs effective at the time of charging the fee.
5.10. The Bank will determine the procedure and priority of fee collection at its discretion, based on the sufficiency of balances of the Customer accounts opened under this Agreement.
6. COUNTERING MONEY LAUNDERING AND TERRORISM FINANCING. BANK ACTING AS A CURRENCY CONTROL AGENT.
6.1. Alongside Orders / within the dates envisaged by Clauses 3.3.4 and 3.3.6 hereof, the Customer will deliver the documents and details required by the Bank to perform the functions:
- Provided by Federal Law No 115-FZ dated 7 August 2001 On Countering Money Laundering and Terrorism Financing and Bank of Russia regulations, including but not limited to the reliable data on the Customer and their attorneys and the availability / unavailability of a beneficiary
- Of a currency control agent under Federal Law No 173-FZ dated 10 December 2003 On Currency Regulation and Currency Control and Central Bank regulations.
6.2. For any foreign currency transactions, the Customer will deliver Orders as well as the underlying and other relevant documents for such transactions10 under Russian law and Bank of Russia regulations.
6.3. If the Bank establishes that the data stated by the Customer in their Information Details is changed or that the Customer failed to meet the requirements for or dates of delivery of, the documents required under Clauses 3.3.4, 3.3.6, the Bank may decline a debit transaction on the Customer Account using remote banking service systems until such documents are made available to the Bank.
6.4. The Bank will decline any debit transactions on the Customer Account if the Russian Federal Tax Service has posted information on its official website (www.nalog.ru) that the Customer has been wound up.
7. LIABILITIES OF THE PARTIES
7.1. The Parties will be liable for non-execution or improper execution under this Agreement subject to Russian law.
7.2. If the Bank fails to credit the Account in due time for any funds coming for the Customer or debits the Account without good reason or fails to comply with Customer instructions for a funds transfer or
8
The total of Bank fees payable in cash under this Agreement must not go beyond the limits established by Central Bank’s regulations for cash payments between legal entities (a legal entity and an individual entrepreneur) under one agreement made between such parties.
9
For foreign currency accounts.
non-out from the Account, the Bank will pay interest on such funds as follows:
- For a RUB Account: 0.3 (nought three) of the rate applied by the Central Bank at the time of the Bank’s default for every day of default
- For a foreign currency Account: 0.05 (nought nought five) for every day of default.
7.3. The Bank will ensure that Order details stay unchanged except as otherwise required by the Bank of Russia Instruction No 2410-U dated 15 March 2010 On Payment Documents and Payment Orders with Amended Banking and Customer Details
7.4. The Bank will not be liable for declining or defaulting on a Customer payment document or for any loss by the Customer in that regard under Clauses 4.5 and 5.6 of this Agreement.
7.5. For a failure to return any funds credited to the Account in error within the dates stated in Clause 3.2.3 of this Agreement or for a late payment of Bank services, the Customer will pay the Bank a penalty of: - For a RUB Account: 0.3 (nought three) of the rate applied by the Bank of Russia at the time of the Customer’s default for every day of default
- For a foreign currency Account: 0.05 (nought nought five) for every day of default.
7.6. The Parties will reimburse each other for the real loss only that has resulted from their actions or omissions to act.
7.7. The Bank will not be liable for any loss caused by the Customer’s failure to deliver documents on the changes referred to in Clauses 3.3.4, 6.1, and 6.3 of this Agreement in due time.
8. FORCE MAJEURE
8.1. In the event of a force majeure, which includes acts of God, incidents, fires, riots, strikes, revolutions, military actions, illegal actions by third parties, enactment of legislative acts, government decrees and resolutions by government authorities that whether directly or not prohibit or bar the Parties from performing hereunder, including those related to prohibitive and restrictive actions by government authorities in the countries of correspondent banks’ location, or any other circumstances beyond the Parties’ control, the Parties to this Agreement will be released from liability for defaulting on their obligations. A Party affected by a force majeure must forthwith, but not later than 7 (seven) calendar days, notify the other Party in writing. Such a notice will contain the details as to the nature of the circumstances and an estimation of their impact on the affected Party’s ability to perform under this Agreement.
As soon as such circumstances cease to operate, the affected Party must forthwith, but not later than 7 (seven) calendar days, notify the other Party in writing. Such a notice will specify the period in which it expects to perform under this Agreement.
9. SETTLEMENT OF DISPUTE
9.1. Any dispute under this Agreement will be settled by written claims. If the Parties fail to settle a dispute, it will be referred to the Court of Arbitration at the location of the Account. Either Party undertakes to review a written claim from the other Party in no more than 15 (fifteen) business days from the day of receipt.
10. TERM OF THIS AGREEMENT. AMENDMENT AND TERMINATION
10.1. This Agreement is not limited by term.
10.2. This Agreement may be amended in writing only by the authorised representatives of both Parties signing a single document, except as provided by Clauses 3.3.1, 3.3.3, and 5.2 of this Agreement.
10.3. All and any amendments to this Agreement, including those posted on the official website, form integral parts thereof.
10.4. The Customer may terminate this Agreement at any time giving a written notice. The Customer may close any Account opened under this Agreement giving a written notice. The balance of that Account will be paid to the Customer or transferred to another account not later than 7 (seven) business days of receipt of the Customer’s written notice under Russian law, providing that the use of such funds is not restricted.
10.5. If the use of funds on the Account is restricted and if the balance thereof is other than zero, the Account will not be closed until any such restrictions are lifted. After the lifting of such restrictions the Account will be closed not later than the business day following the day of debiting the Account for making the funds available to the Customer or for transferring them to another account.
10.6. If the use of funds on the Account is restricted and its balance is zero, the Account will be closed not later than the business day following the day when this Agreement was terminated.
10.7. The Bank may terminate this Agreement:
will be deemed terminated two months after the Bank serves a written notice of termination on the Customer unless the Account is credited during that period.
- If the Customer is wound up (based on the Customer winding-up information posted on the official website of the Russian Tax Service, www.nalog.ru). No written notice will be given to the Customer in that event.
10.8. Termination of this Agreement will cause closing the Account.
11. PARTIES’ ADDRESSES AND DETAILS
Bank:
Sberbank of Russia
Location: 19 Vavilova St., 117997 Moscow, Russia Name of Sberbank’s Operations
Dept.:________________________
______________________________________________ Location of Sberbank’s Operations
Dept:________________________ ______________________________________________ Details:_____________________________________ ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________ (title of the Bank’s authorised representative)
______________________ (________________________ ) (Signed) (Full name)
Sealed
Customer:
_____________________________________________________ (name of the company)
_____________________________________________________ Location:__________________________________
__________________________________________________ Postal address (for communications with the
Bank)___________________________________
__________________________________________________ Details:_________________________________________ Chief Accountant’s tel.: _____________________________ Executive body’s tel.: __________________________ Customer’s e-mail:
1. ________________________________________________ 2. ________________________________________________
(in block capitals)
__________________________________________________ (title of the Customer’s authorised representative)
_________________________ (_________________________ ) (Signed) (Full name)
Annex 1shall be posted on the official website of the Bank
Annex 1 to the Bank Account Agreement
I. The list of documents necessary for opening and maintaining an Account For a resident legal entity:
1. Client’s constituent documents, depending on the form of the business ownership of a legal entity (originals or copies notarised by a Bank’s official or any other authorised employee of the Bank, according to the procedure set out by the Bank of Russia).
When constituent documents are amended, the Client shall provide information on such changes, as well as the Certificate of an entry made to the Uniform State Register of Legal Entities (originals or copies notarised by a Bank’s official or any other authorised employee of the Bank, according to the procedure set out by the Bank of Russia).
2. State Registration Certificate, Form No P51001. For legal entities incorporated before 01.07.2002 – the Certificate of Entry in the Uniform State Register of Legal Entities Registered before 01.07.2001, Form No P57001 (original).
3. Licences (permits) to engage in activity subject to licencing* (copies notarised by a Bank’s official or any other authorised employee of the Bank, according to the procedure set out by the Bank of Russia). 4. A card with authorised signatures and a seal imprint notarised or certified by the Bank.
5. The Certificate of Registration with a Tax Authority (original).
6. Documents evidencing election or appointment of persons listed in the Card, their powers to issue orders on the account (excerpts from documents and/or their copies), and a power of attorney or its copy, certified as set out by the Bank of Russia to evidence the powers of an authorised person.
7. For a one-person executive body – the Certificate of Record in the Uniform State Register of Legal Entities (that confirms the latest change (replacement) of a one-person executive body during the period after 01.07.2002) and/or an excerpt from the above Register, the copy/excerpt (certified as set out by the Bank of Russia) of the resolution of the respective legal entity’s body, and where necessary – documents confirming the compliance of the relevant meetings of the respective bodies with statutory documents requirements.
For an individual entrepreneur:
1. An identification document.
2. The Certificate of the State Registration as an Individual Entrepreneur, Form No P61001, the Certificate of Entry on an Individual Entrepreneur Registered before 01.01.2004, f. No P67001 (original) made in the Uniform State Register of Individual Entrepreneurs.
3. The Certificate of Registration with a Tax Authority (original).
4. Licences (patents) for performing activity subject to licencing* (i.e. regulated through issuing a patent) (copies certified in accordance with the set procedure)
5. The power of attorney (notarised or certified by a Client) that confirms the powers of persons listed in the Card to manage funds in the bank account (if such powers are transferred to third parties).
6. A card with authorised signatures and a seal imprint either notarized or certified by the Bank.
For a notary:
1. An identification document.
2. A licence to perform notarial activity and the document that confirms the powers of a notary (his/her appointment) issued by the territorial bodies of the Russian Ministry of Justice (copies certified by these bodies, by any other notary, the official of the Bank or any other authorised employee of the Bank).
3. The Certificate of Registration with a Tax Authority (original).
4. Power of Attorney issued by any other notary, that confirms the powers of persons listed in the Card to manage funds in the bank account (if such powers are transferred to third parties).
For a lawyer:
1. An identification document.
2. A document from a law chamber that verifies the registration of a lawyer in the register of lawyers, as well as a document that certifies establishment of a private legal practice.
3. The Certificate of Registration with a Tax Authority (original).
4. A notarised power of attorney that confirms the powers of persons listed in the Card to manage funds in the bank account (if such powers are transferred to third parties).
5. A card with authorised signatures and a seal imprint either notarised or certified by the Bank.
For a non-resident entity:
1. The documents that confirm the Client’s legal status under the laws of the country of its state registration:
- constituent documents;
- the documents that confirm its state registration;
- the document that confirms the permanent residence of a non-resident entity in a foreign country, certified by the competent authority of such country, with an apostille and translation into Russian; - other documents.
2. Licences (permits) to perform activity subject to licencing*.
3. A card with the signatures of persons authorised to manage an account and the seal imprint of a non-resident entity (if available) either notarised or certified by the Bank.
4. The Certificate of Registration with a Tax Authority (original).
5. The documents evidencing the election or the appointment of persons listed in the Card and their powers to manage funds in the account.
6. For the confirmation of an authorised person’s powers – a power of attorney (the power of attorney received from abroad shall be notarised).
For a one-person executive body – the documents that confirm the powers of this body and when necessary – the documents confirming that meetings of respective legal entities’ bodies have been held in accordance with the requirements of statutory documents.
For a non-resident individual entrepreneur:
1. A passport or any other identification document of a Client in line with the legislation of the Russian Federation.
2. A residence permit or a temporary residence permit.
3. A card with the signatures of persons authorised to manage an account and the seal imprint of a non-resident entity (if available) either notarised or certified by the Bank.
4. The power of attorney (either notarised or certified by the Bank) that confirms the powers of persons listed in the Card to manage funds in the bank account (if such powers are transferred to third parties). The power of attorney received from abroad shall be notarised.
5. The Certificate of Registration with a Tax Authority (original).
6. The Certificate of the State Registration of an Individual as an Individual Entrepreneur, Form No P61001, the Certificate of Entry of the Individual Entrepreneur Registered before 01.01.2004, f. No P67001 (original). in the Uniform State Register of Individual Entrepreneurs.
For opening and keeping an account a separate unit of a Client (resident/non-resident) is requested to submit additionally:
1. Regulations on a branch or a representative office (original or a copy notarised or certified by a Bank’s official or any other authorised representative-employee of the Bank, as set out by the Bank of Russia). 2. The document that confirms the powers of the head of a legal entity’s separate unit (the power of attorney issued on behalf of a legal entity for entering into a bank account agreement and managing an account or its copy notarised in accordance with the set procedure).
3. The document that confirms the registration of a legal entity with a tax authority for the territory where its separate unit is located (an original or a copy notarised or certified by the official of the Bank or any other authorised employee of the Bank in accordance with the procedure set out by the Bank of Russia).
4. The documents that confirm the appointment of heads of branches or representative offices (excerpts from documents and/or their copies notarised in accordance with the set procedure).
Besides, non-resident clients also provide the documents that confirm record made in the consolidated state register of representative offices of foreign companies accredited in the Russian Federation or the state register of branches of foreign entities accredited in the Russian Federation. Translation into Russia certified as set out by the Russian legislation shall be attached to documents written in a foreign language. In cases stipulated by the Russian legislation documents shall be notarised.
II. The information and documents necessary for identifying a Client in accordance with the requirements of Federal Law No 114-FZ “On combating legalisation of money laundering and
financing of terrorism” dated 07.08.2001
1. Information about a Client (in the format set out by the Bank).
2. Identification documents of a client (an individual entrepreneur) and/or persons who have powers to manage funds in the account (or information on their bank details)
3. The written confirmation with the signature of a manager or an authorised person and a company seal (if available) evidencing that a permanent governance body, other body or a person authorised to act on behalf of the legal entity without a power of attorney are actually located at the address of a legal entity (in the format set out by the Bank).
Annex 2 shall be posted on the official website of the Bank
Annex 2 to the Bank Account Agreement
To customer service unit No ________
_______________________________________
(branch of the Bank)Sberbank of Russia
THE ORDER
for
single
multiple
(mark the item that applies)
transfer from the Account
Date
of the Order
__ __.__ __.__ __ __ __Payer
Payer’s INN (KIO - Foreign Entity Code)
__ __ __ __ __ __ __ __ __ __ __ __Payer’s KPP
__ __ __ __ __ __ __ __ __Payer’s Account number
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __Effective Date
__ __.__ __.__ __ __ __
Expiration
Date
__ __.__ __.__ __ __ __Terms of Order execution:
Data
(data for a single transfer order) __ __.__ __.__ __ __ __Period
(for a multiple transfer order) (only ONE option allowed)
daily
monthly:
-
the first working day of a month-
the last working day of a month
-
a specified day of a month (please specify)__ __
weekly
- Mon, - Tue,
- Wed
,
- Thu
,
- Fri
even working days of a calendar month
odd working days of a calendar month
daily after crediting collected cashTime
(only ONE option allowed)
start of the banking day
end of the banking day
as of a specified hour:
(local time)Type of payment
“
electronic”
“urgent”Sum
amount (in figures and in words) _____________________________________________________________________________
balance for the specified periodPayee/Beneficiary
Payee’s INN (Foreign Entity Code)
__ __ __ __ __ __ __ __ __ __ __ __Payee’s KPP
__ __ __ __ __ __ __ __ __Payee’s Account number
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __Payee’s bank
Payee’s BIK
__ __ __ __ __ __ __ __ __Account number of a payee’s bank
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __Purpose of payment
We are informed that the Order shall not be executed by the Bank in case of insufficient balance
and/or constraints on the disposal of funds in the bank account specified in the Payee’s Account Number
line.
Manager
___________________
____________________________________
(signature) (Name)Chief Accountant
______________________ ___________________________________________ (signature) (Name) sealNOTES OF THE BANK
Accepted on “______” _________________ 20____. Additional information (if necessary)
_______________________________________________________________________________________ _______________________________________________________________________________________ _______________________________________________________________________________________
Officer in charge ______________________ ___________________________ (signature) (Name)
Annex3 shall be posted on the official website of the Bank
Annex 3 to the Bank Account Agreement
Payment Order (for the transfer of funds in foreign currency) Form
PAYMENT ORDER NO «_____»_____________20___ *
(number) (data)
33B AMOUNT AND CURRENCY
_____________________________________________ ISO currency code:_________________ (amount in figures)
______________________________________________________________________________ (amount in words)
50а
PAYER (ORDERING PARTY) Account No:
name
INN/KIO: address
city, country
56а
INTERMEDIARY BANK SWIFT code: Clearing code:
name address city, country
57а
ACCOUNT WITH INSTITUTION
( BENEFICIARY’S BANK) SWIFT code: Clearing code:
corr. account
name address
city, country
59а
BENEFICIARY Account No (IBAN):
name address city, country 70 PURPOSE OF PAYMENT 71А DETAILS OF CHARGES
BEN
SHA
OUR
(choose one option)72 SENDER TO RECEIVER
(ADDITIONAL) INFORMATION
77В
I agree to the exchange rate of the conversion
(mark if necessary)I accept the terms of FULLPAY service
(mark if necessary)The terms of FULLPAY service (guarantee that the beneficiary bank receives the full sum of a transfer): · Payment to a different credit organization
· Payment in USD
· Code word OUR is marked in line 71A Information for Currency Control
Code of the country of a payee’s bank
PS № / 1 4 8 1 / / / Code of the currency operation type / 1 4 8 1 / / / / 1 4 8 1 / / / 4
MANAGER
CHIEF ACCOUNTANT NOTES OF THE BANK
Seal
Annex 4 shall be posted on the official website of the Bank
Annex 4 to the Bank Account Agreement INSTRUCTIONS FOR FILLING IN BANK DETAILS IN A PAYMENT ORDER FOR FOREIGN
CURRENCY TRANSFERS
GENERAL FILLING REQUIREMENTS
1. ALLOWED characters include Latin characters, spaces, numerals and the following symbols:
( ) , . ‘ ? : - + /
Cyrillic characters are ALLOWED when making an inter-branch transfer within Sberbank of Russia. The use of other symbols is NOT ALLOWED.
2. A field number in a payment order form is identified as NN[а], where
NN
- two-digit numerical code of a field;[а]
- field option (optionally) in the form of an upper case Latin characterOption
Designation
А
- a bank is identified by its SWIFT-code;
B
- a bank is identified by an account number or a branch name;
С
- a bank is identified by a national clearing code;
D
- a bank is identified by a name and address;
F
- an ordering customer (50F) is identified by:
· in the account number line – by a client account number or a client’s identifier
· by any other identification method (name, address etc.)
K
- an ordering customer (50К) is identified by its name and address
3. The number of symbols in the fields, including spaces, shall not exceed the allowed length determined in the Format line.
4. The field format defines the field structure and the number of lines. Each field is fixed in length and contains symbols from the allowed characters set (see p. 1):
<length> <character>
where <length> - defines the length of the field in symbols (n means number): n - maximum length (minimum length is 1);
n! - fixed line, i.e. a field shall include a strictly specified number of symbols; n*n - maximum number of lines multiplied by the maximum number of symbols
in a line;
n..n - minimum and maximum length;
<character> - define symbols from the set of allowed symbols (see p. 1) that stand for:
a - only upper case Latin characters; x - any symbol from the allowed set; n - only digits;
c - only upper case Latin characters and digits;
d - only digits and a comma to separates the integral part of the amount from the fractional part. If there is no fractional part, there is a comma after the amount.
5. In the account number line the following symbols are not allowed: N, No, account, acc, ac, A/C etc. Account number shall be written without delimiter characters (hyphen, space etc.)
6. The additional requirements of Ukraine, Belarus, Kazakhstan and China when transferring cash in currency of these countries (Ukrainian hryvnas (UAN), Byelorussian rubles (BYR), Kazakh tenges (KZT) and Chinese yuan (CNY)) are given in the Reference section, table 2: “Special bank details requirements for transfers in Ukrainian hryvnas (UAN), Byelorussian rubles (BYR), Kazakh tenges (KZT) and Chinese yuan (CNY)”.
Field Field name Filling rules
Field format
Hard copy Digital format No Payment Order
No
sequence number of a Payee payment order
Mandatory field. not more than 10 symbols 10x Date Date
Date of making a payment order by a Payee
Mandatory field. date, month, year 6!n (year, month, date) 33В Currency/Transac tion Amount
- amount of the transfer made by a Client. If the amount is an integral part only, two zeros (00) after a decimal comma are mandatory. In case of hard copy order, the amount shall also be duplicated in words. Only the integral part for payment in Byelorussian rubles or Japanese yen.
- currency code.
If the transfer is in a currency different from the currency of the Customer account in field 50a, the debit amount shall be the amount resulting from the conversion of the initial amount at the rate agreed with the Customer
Mandatory field. not more than 14 digits comma included 15d 3 letters 3!a
50а Payer Bank details of the Customer ordering funds transfer: - number of the Customer’s account being debited;
- Customer name: full or short, as per statutory documents of the Customer;
- INN (taxpayer’s identification number) for resident entities or KIO (foreign entity code) for non-resident entities;
- Address; - City, country. Mandatory field. 20 digits 20!n not more than 140 symbols 4*35x
56a Intermediary bank Bank details of the correspondent account of a beneficiary’s bank (field 57a):
- SWIFT-code (if available);
- national clearing code (if available); - name of an intermediary bank; - address (if available);
- city, country
Mandatory, if there is a correspondent account of a beneficiary’s bank in field 57a
8 or 11 symbols
4!а2!а2!с[ 3!c] not more than
31 symbols 31x not more than140 symbols 4*35x 57a Beneficiary’s bank (Account with institution)
This field specifies the financial institution which services the account for the beneficiary customer (field 59a):
- SWIFT-code (if available); - national clearing code (if available)
for an American bank recommended option is a national clearing code of 9 digits referenced on paper order as FEDWIRE, ABA, ROUTING NUMBER);
- number of a beneficiary’s bank correspondent account at an intermediary bank (field 56a) (if available);
- name of a beneficiary’s bank;
8 or 11 symbols 4!а2!а2!с[ 3!c] not more 31 symbols 31x not more than 34 symbols 34x
- address (if available); - city, country. Mandatory field. not more than 140 symbols 4*35x
59а Beneficiary In case of a transfer to a legal entity, the following bank details of the beneficiary:
- customer account number at the beneficiary’s bank (field 57a)
When making a transfer to the Beneficiary’s bank in a country following the EU Directive on indicating IBAN, an account number in the IBAN format is mandatory.
- Beneficiary name;
- INN for resident entities (if available) or KIO for non-resident entities (if available);
- address (if available); - city, country.
If the name of a beneficiary client exceeds the maximum length of 140 symbols, its address may be omitted
not more than 34 symbols 34x not more than 140 symbols 4*35x
When making a transfer to a beneficiary bank, the bank details include: - its internal account (if available);
IBAN format is optional;
- SWIFT-code of the beneficiary bank (if available); - name of the beneficiary bank;
- address (if available); - city, country.
If the bank’s internal account is indicated together with its SWIFT code, than field 57a shall refer to the same bank.
not more than 34 symbols 34x 8 or 11 symbols 4!а2!а2!с[ 3!c] not more than 140 symbols 4*35x
When making a transfer payable in cash to an individual (without opening an account):
- account number line is left blank or indicates CASH; - Beneficiary’s name;
- Beneficiary’s passport/ID details
Note: some banks make no cash payments to beneficiaries or have limits on cash payout amounts.
Mandatory field.
not more than 34 symbols 34x not more than 140 symbols 4*35x 70 Remittance information
Information on a transfer, including:
- The purpose of the transfer (payment under a contract/agreement/tuition/holiday package/allowance etc.);
- the number and date of the respective agreement/contract, commercial papers, work performed/services rendered, goods etc. If field 70 is exceeded, field 72 may be used.
Mandatory field.
not more than 140 symbols
71А Details of charges This field specifies which party will bear the applicable charges for the subsequent transfer of funds. One of the following codes must be used: - BEN - All Sberbank charges and charges of other banks involved
are deducted from the transfer amount in field 33B;
- SHA - All Sberbank charges shall be paid by the paying customer (field 50a), charges of other banks in the transfer shall be deducted from the transfer amount;
- OUR - All Sberbank charges and charges of other banks in the transfer shall be paid by the paying customer (field 50a). In this case the beneficiary may receive the transferred amout less deduction.
Please note that some banks charge a paying customer irrespective of the option in field 71A.
select one of the following: BEN SHA OUR 3!а 72 Sender to receiver information
Additional information for the banks in the transfer and information for a beneficiary customer, in case there is not enough space in field 70.
Use of field 70 is not recommended as it causes manual processing, execution delay and additional charges.
6 lines of 35 symbols each 6*35х 77В Regulatory Reporting
Mandatory only for transfer in Ukrainian hryvnas (UAH)
Special requirements for bank details for transfers in Ukrainian hryvnas (UAN), Byelorussian rubles (BYR), Kazakh tenges (KZT) and Chinese yuan (CNY) (table 2)
3 lines of 35 symbols each together with slash ‘/’ 3*35x
Item Filling rules Format o n p a p er in d ig ita l f o rm a t
Conversion related information
Conversion rate consent
A check mark here means that a Client agrees with a currency conversion rate in case of transfer in foreign currency which is different from the currency of its account. The client’s account is debited for the amount resulting from the conversion of a amount in the order at the rate agreed with the client.
Mandatory only for a transfer in a currency different from the payer’s account currency
Check mark 1!a
(Y/N)
Information on FULLPAY
Consent to use FULLPAY service
Check mark here means that a client uses the service which guarantees that the full amount in USD will be received by the beneficiary’s bank
Rules for using code word /FULLPAY/: • payment in USD;
• field 71А contains word OUR;
• payment to another credit organisation
Check mark code word / FULLPAY /
Information for currency control purposes
Code of the recipientbank’s country
It shall be indicated for currency transfers subject to Instruction of the Bank of Russia No 138-I. Numerical country codes as per the Russian Classifier of the Countries of the World OK 025-2001 approved by Decree of the RF Gosstandart No 259-st dtd 14.12.2001. The numerical code of a recipient bank’s country shall correspond to the ISO code of a beneficiary bank’s country.
3 digits 3!n
Deal passport No Number of a deal passport.
If needed, more than one deal passport is indicated.
22 digits together with slash
(/): 8 digits /4 digits / 4 digits /1 digits / 1 digit) 8!n/4!n/4!n/1! n/1!n Currency transaction type code
For currency operations (with or without deal passports) subject to Instruction of the Bank of Russia No 138-I.
Codes of currency transaction types are given in Annex 2 to Instruction of the Bank of Russia No 138-I.
REFERENCE
ISO codes of currencies of correspondent Nostro accounts of Sberbank of Russia
Table 1 Currency currency ISO
code
Currency currency ISO code
Australian dollar AUD Lithuanian lita LTL
Great Britain pound GBP Norwegian krone NOK
Byelorussian ruble BYR Polish zloty PLN
Hong Kong dollar HKD Singapore dollar SGD
Danish krone DKK Ukrainian hryvna UAH
US dollar USD Czech koruna CZK
Euro EUR Swedish krona SEK
Canadian dollar CAD Swiss franc CHF
Kazakh dollar KZT Japanese yen JPY
Latvian lat LVL Turkish lira TRY
Chinese yuan CNY Hungarian forint HUF
Special bank details requirements for transfers in Ukrainian hryvnas (UAN), Byelorussian rubles (BYR), Kazakh tenge (KZT) and Chinese yuan (CNY).
Table 2
Foreign currency
Field Special formatting requirements
Ukrainian hryvna (UAH)
57D Code of the bank which is a member of the inter-branch settlement system in the form of a national clearing code:
//UA6!n
, where 6!n – the inter-branch settlement system of the bank which is a Ukrainian resident. E.g.: 57D://UA300335
RAIFFEISEN BANK AVAL KIEV
59 · number of the beneficiary’s account shall contain no more than 14 digits (spaces, “/” and other symbols are not allowed);
· taxpayer’s code (KNP) is given in a separate line preceding the client’s name in the following format:
KNP8!n or KNP10!n
, where 8!n – KNP of a legal entity; 10!n – KNP of an individual E.g.: 59:/26005233566001 KNP20262860 LOGARIFM LTD. PR.KOROLEVA 436, OF.425 KIEV
70 Content of the operation (which product/service is paid for); contract number; contract date (in the YYYMMDD format).
71А Only OUR code.
77B · the Ukrainian National Bank’s accounting code with the use of code word /1PB/ is given in the following format:
/1PB/4!n.3!n.3!n
An operation code is provided by the counterparty – cash recipient · ISO codes of the countries of registration:
- of a payer – with the use of code word /ORDERRES/; - of a beneficiary – with the use of code word /BENEFRES/; · code words shall be indicated in the following order:
/1PB/, /ORDERRES/, /BENEFRES/. E.g.: 77B:/1PB/1221.643.804 /ORDERRES/RU /BENEFRES/UA Byelorussian rubles (BYR)
33В For amounts in Byelorussian rubles only integral parts thereof are indicated
57D The code of the inter-branch settlement system (9 digits or the last 3 digits) of a beneficiary bank in the form or a national clearing code in the account number line:
//BY[6!n]3!n
59 Beneficiary’s account number of 13 digits.
70 · Contract number and its date, products, works and services which are paid for; · filled in Russian only, the Latin alphabet transliteration
72 Beneficiary account number (UNB) (9 digits) assigned by the Byelorussian tax authorities – after code word /ACC/ in the following format:
Kazakh tenge (KZT)
57А,D Bank identification code (BIC) alpha-numeric (Latin characters only), the same with the Bank’s valid SWIFT code, if available. If BIC and SWIFT code are the same, SWIFT code is used. If no SWIFT code is available, the bank is identified by its name and address. BIC is preceded by the bank’s name. E.g.:
57А:KCJBKZKX;
57D:BANKKASA NOVA JSC BIK KSSNKZK1
ALMATY, KAZAKHSTAN
59 Beneficiary account number shall be indicated in the IBAN format.
- For an individual beneficiary or an individual entrepreneur, its individual identification number (IIN) must follow the name on the next line in the format:
IIN12!n
- For a legal entity recipient its name must be followed by its business identification number (BIN) on the next line after in the format:
BIN12!n
70 A payment purpose code (KNP) from the State Classifier – the Unified Classifier of Payment Types shall be indicated in the first line. KNP (7 digits) shall have the following format: KNP–7!n
· for paying taxes to the budget – a budget classification code (KBK) (6 digits) in the following format:
КВК6!n
· number and date of the goods document, transaction, contract, agreement; · VAT amount (if available).
71A OUR or BEN only.
Chinese Yuan (CNY)
General terms
1. Settlement in Chinese Yuan is made for foreign trade contracts only. 2. The Bank of China (ELUOSI), Moscow, does not perform investigations nor make requests. If payment instructions do not comply with the format below, funds will be returned, the reason of such return will be indicated free of charge.
3. The CNAPS (China National Advanced Payment System) 14 characters code of the beneficiary bank – for payments in Chinese Yuan within mainland China. The CNAPS code is mandatory if all the following applies:
· the bank is not a Bank of China subsidiary;
· it is located in mainland China (Hong Kong and Macao are not deemed mainland China); In other cases CNAPS is not required.
50а An address line shall open with abbreviation ADD. E.g.:
:50а:/40702156842003426194 ООО KONKORD
ADD. PLEHANOVA ST. 14A ROSTOV, RU
57А The SWIFT code of the beneficiary’s bank and, if needed, CNAPS code. The format of CNAPS code in the account number line is : /CN12!n.
E.g.:
:57A:/CN000123456789 ICBKCNBJGDG
71А Option OUR only.
72 The code word /TRADE/ is mandatory in the first line. No other information is allowed in the same line.
Annex 5 shall posted on the official website of the Bank
Annex 5 to the Bank Account Agreement
To Customer Service Unit No ________
________________________________________
(branch of the Bank)Sberbank of Russia
THE ORDER
Of legal entity/corporate customer for cash withdrawal from the account
pending sufficient funds
Order date
__ __.__ __.__ __ __ __Payer (account holder)
Payer’s INN (KIO)
__ __ __ __ __ __ __ __ __ __ __ __Payer’s account number
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __Payment date
__ __.__ __.__ __ __ __Payment period
(month, year) __ __.__ __ __ __Amount
Amount in words
Payment type
salary
scholarship
allowance
other payouts of the third priority group
Not later than within the operational hours of the working day following the day of receipt of funds
in the bank account indicated in Payer’s account number line we undertake to present our check for
payment in cash as per payment type indicated above.
We understand that if the check is not presented within the above-mentioned period, this Order
shall be deemed cancelled and the Bank shall execute other orders to the account indicated in Payer’s
account number line in the order of their priority set out by the Russian laws.
Manager
___________________
____________________________________
(signature) (Name)
Chief Accountant
______________________ ___________________________________________ (signature) (Name)seal
NOTES OF THE BANK
Accepted on «______» _________________ 20____.
Responsible employee of the Bank ______________________ ___________________________ (signature) (Name)
