tapuobi - zarech.ru · - orkpblrue pac.terhbtx oterob knuehty, b orhouehnta koroporo bbeaeha np6as...
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)iz-( 3aPeX.Jt-4-*R
.-nl IRi*t,sssol
bl
Ilpaanennn3a perr re" (ArqnoHepHoro o6qecrea)
Ne 29l2O17 or 31.1O.2OI7r.
flpaanexrn "EaHKa 3apeuue" (AO)
fleenrux H. B.
TAPUObIHa pacqerno-KaccoBble ll KpeArrHble ycnyrH
loplrA}|qecKr,r M fl 1,r qa M r uHAnBuAYanbH blM
n peAn plt H lt Marene M, oKa3 br BaeM bre (Dnnnafl oM " Ea H Ka
3apevbe" (AO) B r. Opne
(4efi creyror c 07 .L1.20t7 r.)
COAEPXAHI,lE
O6qre nonox(eH,rg
Pagaen 1 . PacqerHo-xaccoeoe o6cny)KnsaHue
Pasflen 2. narerH ycnyr pacqerHo-raccoeoro o6cn]flcaeaHnR ffs cqeroe e py6nRx PO
Pagaen 3. Iloryruenrapnue onepaunr
Pasaen 4. Kpeauroeaxne
Pag[en 5. O6cnyxhaaHne no cucrerife [ucraFrul4oFrHoro 6aHroscroro o6cnvxilBaHuR
oEtql4E no,|o)r(EH]4n
1. Hacrocu$ae Tapra$ur pacu€ruo-raccoBbre r KpeAnrHbte ycflyril opl,rAnqecKhM nhqaM u uHAnBUAyaflbHblM npeAnp[HxMarenqM'
oKa3btmeMble $nnnanoM "EaHKa 3apeebe" (AO) e r. Opne (4aaee no reKcry - Tapn0ul) ycraHaBn,lBalor pa3Mepbl 14 craBKlt
Bo3HarpaxAennh a BbtnorHeHhe "EaHKoM 3apevbe" (AO) (aanee no reKcry - Eanr) onepaqnfi no nopf{eHnqM op]4A]4t{ecKt,|x nhq |ll
uH4uBnAyanbHbx npeAnphHuMarenefi (aanee no reKcry - xnnexru).
2, BoaHarpaxgenme Eaura, yKa3aHHoe a TapnQax, B3nMaercr c KnneHToB c lopl,lAnqecKHx nnq n uH.AuBup.YatlbHblx
npe4npnHnMarenefi - a 6e3ganhqHoM noprAKe nu6o xanuqHbtMh AeHbraun a py6nrx c yqeroM npeAenbHoro pa3Mepa pacLleroB
Har1,rr{HblM]4 AeHbraMn no oAHoMy nnarexly MexAy lopt4Al4qecKuMl,l tl4qaMh.
3. Paaruepul h craBKh Bo3Harpar(AeHnfi pasMeqaKrrcs B onepaqhoHHHx 3anax Eanna ra na oSuqnanbHoM cafite, ecnu nHoe He
ycraHoBneHo AoroBopoM MexAy Eanrou n KnneHToM.
4. flo coFlaueHiljg MexAy Eaxrom h KnheHToM Moxer ycraHaBrnffiTbcs oco6ulfi nopnAoK pacqeroB c B3]4MaHheM
Bo3HarpaxAeHnq, ornr4t{Horo or ycrEtHoBneHHoro B Hacroq ull4x TaprQax.
5. BosnarpaxAeHne 6anroa-roppecnoHAeHToB, a raoKe Apyrne, B ToM qhcne HenpeABnAeHHble pao(oAu (npn Hanwlnu
larcoaux), B3hMarlrcfl AononHhrenbHo no $amnuecroil crouuocru, ecJvr a TapnQax He oroBopeHo nHoe. flo onepaqnlu,
o6naraeMurt HafloroM Ha Ao6aaneHHyto crol,tMocru, rapnQu yKtr3aHbl c ptdron Hanora Ha Ao6aeneHHylo crol4Mocrb.
6. YAepxaHHoe Eanrou Bo3HarpaxAeH[e 3a oKa3aHhe ycnyr KnneHTaM Bo3Bpary He nopexnr, 3a ilcKnnqenneu ouru6oqso
yAepxaHHoro Bo3HarpaxAeHnc h Tex BrAoB ycrryr, no KoTopbrM B AoroBopax npeAycMoTpeH Bo3BpaT BO3HarpaxAeHnR.
7. f-lepevraoreHhe nnarexeil e 6o42rerxyn chcreMy, eHe6toAxernute $oxgut, TaMoxeHHble opraHH (na cvera 40L, 402, 404)
Poccnficrofi OeAepaunu no nopyqeHnp HanoronnarenbqhKa, a raoKe no nopyqeHnp HanoroBoro opraHa 3a cqer AeHexHblx
cpeAcrB HaroronlarenbqhKa nnu HaroroBoro areHTa cornacHo crarue 60 Haaoroaoro KoAeKca Poccnficrofi Oegepaqnr
o(ryqecrBnsercg @s B3rMaHns Bo3HarpaxAeHnq.
8. EaHr BnpaBe e np6oe BpeMe u3MeHerb B oAHocropoHHeM nopcAre TapraSul. Hoeule Tapn$u BcrynaPT B cnny c Aarbl,
yrcarannofi B peueHhh flpaaneuun Eaura, n Aologrlca Ao KnlreHToB nyreM BHBeunBalHttc o6tcene{VA B Eanre B Mecrax
o6cnpgaeaxng MneHToB n pa3Meqexrar r,+r@pMaqnh sa cafrre Eaxrca He no3AHee AHl, creAyrcu{ero 3a AHeM noAnncaHhq
coorBercrByoqero PeueH nc.
I
Ns n. N9 nn. nepeqeHb yclyr I onepaqnfiAeficrByfirqne rapnQbl llp{uevanre
Fa3oBan craBKa MhH14Myt'| llar(Cl4MvM
1.1. OrKDb[Tne, 3aKDbtr]te tl BqBeHtre cqeroB tgtnerToE:- s oYdnqx Poccafrcxof, Oueoaunn
1.1.1.Orrprmae paarErxux (reqyqux), HaKonhrenbHbtx u aHanon4qHbrx ctteroB, 3a
ucKnpqeHl4eM:
Ee3 B3nMaHuR
B(t3HarDardteHuq
- orKpblrue pac.terHbtx oteroB KnueHTy, B orHoueHnta Koroporo BBeAeHa np6as us
npoqeAyp, np[MeHseMan B Aene o 6anrporcree, rn]t nprHflK) peueH]te o nuKBtaAaquta
lr1nunruFaknrn nuila30 000 py6. EAuHoBp€MeHHo B MoMeHr 3ilnonHeHnn aHKeru-3acMeHrt
- orKpbrrre pagerHbrx s.reroB Kn?relny, nBnf, xru1erocn cy6terrom unrpoQnxaxcnpoBaHut 30 000 py6. EAuHoBpeMeHHo B MoMexr 3anonHeHrt aHKerbl-3acBneHrq
t.t.2. 3arpurrue 6axrogcroro cttera no uHt4qxarrBe lcnuelrra,3a ucxnrlqeHtaeM: 200 py6.
B npeAenax
OCTATKA HA
.lte-Te
B3btctc4Baerca B MoMeHT 3aKpbtrxc cqera
- 3aKpurue HaKonlfrerbHon) cttera B Gr3t4 c orKpbrrlteM pagerHorc orera s EaHreEe3 B3uMaHng
BO3HarDaXleHUq
- gatKpbrrue ct{era SaHKoM B oAHocropoHHeil nopf,AKe corlacHo intKoHoAarenbcrBaB npgAeflax ocTaTKa Ha
crle'reHa ocHoBaHru pacnopsxeHns pyKoBoAnrens Eanra
1.1.3. BeneHue cqeroB KnueHTa
1.1.3.1. pacarerHoro c.tera npn BBeAeHlrt4 B orHoueHnr4 KrHeHTa np6ofi npoqeAyput,
npruexneuofi B Aene o 6anrporcree7 000 py6.
E (eMecgqHo; B MoMeHT orKpbtrltt raKoro cqera - 3il
ret<yt{rafi ranergppnufi Mecnq, A.uee - e nepsufi pa6ovrfi
AeHb Mecnqa; no AeicraloqeMy paeerHoMy a{sry - 3a
reryqufi Mecnq B AeHb. KorAa cogepuaercn nepBate
onepaqr4t npocre nonf{eHut SaHKoM fiHoopMaq]r]t o
BBeAeHuli coorBercrByKrqei npoqegypu (nprnnrou
peureHilt,r o nureuAaqrr), Aanee B nepasrfi pafuqnfi AeHu
MffqIIA.
1.t.3.2. paeerHux c.reroB c He3HaqnrensHoft xanorosoft uarpyarofi** 5 000 py6.Ex(eMecrqHo; sa reKyqufi Mecnq -Hat{uHiu co AHt
npu:rHaHng caleTa cooTBeTcTEylol4t4M KpuTepl4gM
HacrotEero nyHKra TaPrOoB.
1.1.3.3. rxux pacq€rnux cqeroB 300 py6.
E)KeMecnt{Ho; B MoMeHT orKpbrrut raKoro ca{era - 3il
rer<yrqnfi ranengapuutfi Mecf,q, nane - e nepaufi pa6o. riAeHb Mecf,ua. no pac{€{HbtM cqeraM, orKpbfrblM Ao
O7.LL.2OL7 roAa, Tapuo He B:rl,|Maerct Ha nep]4oA Ao
01.(14.2018 r.
L.2. Haqncnemne ]r ynrara npoqelrroB Ha ocrarKn na pacr€rnur (reryqrr) cqerax:
- no Dacqernun (rernann) erctan s Dyansx PoccnncKoE tDqeDaunt
L.2.7Haqucrexue n ynnara npoqeHroB Ha MrHlrManbHufi xecnnraemufi ocraror xa paerErxou
(reryupm) c,rere
no AononHnTenbHoMY
cx)rnaueHho cropoH
L.2.2.Haqucrexue I ymara npoqeHToB xa rone6npuufics ocraror ta pacl€rxom (reKyurem)
ctlETE
no AononHlrenbHoMycomaueHuK) cToDoH
fleficreyoqre rapr,r$unepeqeHb ycnyr / onepaqrafi [Ipnueuaune ,
fl4n oprarraaqrtr yrsepxAeHHoronepeqnt * tr tr tr tr Secruratgo
3a oaHy qeKoBylo KH!Da(y, coAeprcruyo 50 nncroe veroa;
npx cMeHe peKBr4:tlrToB Gtera B cgq3u c rutMeHeHneM
craryca crpyKrypHorc noApa3Aeneuun 6axra
B{EHarpat(AeHne He B%MaeTcg
flpnem, nepeerer 14 3:rqrcneHlre HarhqHbx cpeAcTB KntleHTa Ha 6aHroecrnfi c"tdr
l-lepecuer ,r npoBepKa Ha nopltHHocrb HartrqHbx AeHexHbD( cpegcrB (rpoue uoxeru) 6es0.1olo oT clMMbl
1.3.4.1. MoHera 6axra Pocoau ua
I.3.4,2.5axrxoru Eanrca Poccuu otrHoro HoMuHana Ha
t.3.4.2. Eaxxxoru 6axra Poccnr Ha MoHerH Sanra Poccan
Ilonyvexne HanrqHbx cr) e{era Kn[eHra B TeqeHhe onepaqnoHHono AHnllaara B3h!4aercf, B o/o or cyMMbl €Hcrt49 B AeHb
nor\ {eHnc cpeAcrB
1.3.5.1. KpeAltT]tilMx KooneparuBaun, KpeA
lS n,i NQ Wr Ilepevexr yayr I onepaqnil fleilcrsynulue rapu$uhpr*Aqa*r*:
EatoBaq craBKa }I14HUMVM MAKCU'MVM
- cguue 1 000 ruc py6nefi ao 1 500 ruc. oy6nefi (aKrpqrrenuxo) 5,00o/orursnnvn vr wulc4 LtFFq wru tdaPoLrqprToroM 3a genu) u yAeproxHofi KoMr4co4u no
npeaugyqefi(rr.r) onepaqun(nra) cucn s- cBuue 1 500 rHc py6nefi ao 5 000 ruc pv6nefi (sKnn,{[renuxo) 8.00o/o
- cBbrue 5 000 ruc. py6neil 10.00o/o
t.4. PacrrerHoe o6crryxrsaxne
- no Dac.rerrrHn (texvaun) stetan o oydnnx PoccnfrcroE Oaeoaaan
L.4.L.
1.4.1.1. l-lposeAeHne lro<oAntqto( KrttaeHrcKnx maro(efi (a rou vuore nnarexHbD(
rpe6oaaxufi), nphHrrbD( B onepaquoHHoe Bpet4r, qep$ KoppecnoHAelncKyp !!rhunuannrvro cerl tFanra q;166qxrn fAO\ ucma .an F:srr Deruu.
- c rcnotb3oBaHleM cucreMH At4craHqroHHoro 6aHKoBcKoro o6c,qorueaHrg 14 rlJtare)KHbx
AoKyMeHToB, npeAoclaBneHHbx Ha 6yuarcrou Hoctflene B]ffrpn $3613*:r*:rtxcxcr<
Ees s314]4arus
BO3HarpaxAeHlrs
3a o6pa6ory oAnoro nnaro(Horo AofyMeHra- c t4cnonb3oBaHrleM cncreMH AlETaHqloHHoro oaHKo8cKoro o6ffyrrueaHl/|9 Ha cqeTa,
oTKpblTHe B Apyrm( s,6963;r<{<rt*rtxrt23pv6.
- c ucnolb3oBaHneM marexHbx Aot(yMeHToB, npeAoclaBneHHbrx Ha 6ymaxnou HocrffeneHa c.rera, orKpbJrHe B Apynm 6anrax
60 py6.
- c ltcnotbaoBaHueM nnarexHbx AowMeHToB, cocraBneHHHx EaHKoM, c HaKon![TenbHoR)
erera Ha paorcrnufi c"ten orKpHrbtfi s gpyroft rpeAmnfi oprdHtmaq[n1 000 py6. Ocy{eqtennsrcr ronbKo B onepaqxoHHoe Bpeut
L.4.1.2. llpoeq4exne rinarexeft no Aol(yMeHritu, np]tHsrbtM B nocneonepaqnoHHoe BpeMq
(a nepno4 c 15 qacog 00 Mr4H1rrAo 15 r{acoB 30 mranyr MocKoBcKoro BpeMeHh*r.r.)
- 3a c"rer KpeArrHHx cpeAcrB, noryqeHHHx KrtreHraMh or "EaHKa 3apevse" (AO), cncnorb3oBaHneu o4cremH AncfttHqnoHHoro 6aHroscxoro oSuryxrsarnf, Ha Gtera,orKDbtrHe B trDvrrx Easrar
23 py6. 3a o6pa6orqy oAHoro nnarexHoro AorryMeHTa
- 3,a cqer KpeAurxbrx cpeAcrB, nonyqeHxbtx KnlreHTaM[ or "EaHKa 3apevbe" (AO), crcnonb3oBaHIeM nnaTexHbtxAot(yMeHToB, npeAocTaBneHHbx Ha 6ymaxxou HootTene Hag{era, orKDbtrbte B trDvItD( 6axrax
60 py6. 3a o6pa6orqy oAHoro marelKHoro AorqmeHra
- 3a 6{eT hHbtx cpeAcTB0,060lo oT clMMbt
maroKa (nepeao4a)200 py6.
Banuaercr sa o6pa6omy oAHoro n raroKHoro
AoKyMeHra; @s yvera renerpaSxrx paooAoB; He
B3rMaeTCt, ecnlt cr{er nonrraTenf, B "EaHKe
3apevue' (AO). Onepaqrr ocyqecTBneerc,e no
Ba!{MHOMy COmaUeHun CTOpOH. EaXr xe
oPqn I nPtE I LPUrnUr v nLilurrnEnnr Pqu rvPraEnnl
Knrenra.
Boaxarpax4exne cnhcbrBaercc co o{era Kruerranocne npoBeAeHnq EaHKoM onepaqru B cnyqae
oKa3aHht ycwn4.
,.nphMeqaHt4eflepe,{eHu yoryr / onepaqrafi
Or cyuusr nnare:Ka (nepeaoga). TapnQ ne
nplrMeHgerct K nepeBoAaM B paMKax SaKnpqeHHbD(
AoroBopoB c "SaHKoM 3apevue' (AO) o npoBeAeHltl4
pacr6roa no sapa6prxofi nnare c ilcnorlbsoBaHreu
rurarexxbtx Kapr "6aHKa 3apeqbe" (AO)
(sapnnarxufi npoem). llepeeoAu ocylqecrBnetorcn
16,{acos 00 uurryr MocKoBcKorc BpeMeHn.
16 qacoB 00 Mt4Hyr onepaqus ocyqecrBnsercn no
B3El4MHoMy cornauenurl cropon,rapnQ B3nMaercs
AononH[Tenbxo r n. 1.4.1.2.
1.4.1.3. nposeAexre nnarexefi (nepeaogoa), nocrynrBullx c r4sronbsoBaHueM cr4creMbl
6aHrogcKoro o6clryxtasaxlas nu6n c ucnorb3oBaHvtem marexHblx
npeAocratBneHHbilx Ha 6yuaxxot"t Hoct{Tene, c pagerHbtx c*teroB
npeAnpuHr{Marenefi n topnArqffKlD( nytq Afln 3aq[cneHiln Ha reKyrqre,
BKnaAHHe r cneqranbHne KaproqHbte orera Qnenrecrux nnq
(4O9t7,40820,30232,423,426) rar a "Eanre llapevue" (AO), rar ns Aryrue KpeAurHHe
Ans qenefi pao{era AaHHoK) Taptd$a ncnonuyercR
npaBuno: AeHorGbre cpeAcTBa, nocrynuBune Ha
o{eT, gll4cbtBaK)Tg co GleTa B nop9AKe }o(
nocrynneHhe (AhOO).
- co GrcToB awuBrnyanbHilx npqnpuannarettert
B Cny'{ae Haxor(AeH}n na c,.l6re go 3 (Tp6() pa60,tlx Axefi (aKrlo,{rrenuxo) o gxn
nocrynneHr|g
B olyqae Haxo)KAeHlte na or8re or 4 (.rerurptx) pa6ovro< gxefi (arnovrreluno) co 4xn
nocrynneHut
B orHouleHrn KnueHToB toplrAnt{ecK}o( rll,lq, y
Koropbrx rMeerct no cocrosHllrc sa 07 .tL.2Ot7 r,
np6ofi 6aHrosocafi c.rer, orrpurrufi e np6om
noApa3AeneHr,rn <<6arra 3apeute>> (AO) Ao
07.11.2015 roAa, rapnO B3nMaercs no n. 1.4.1.1.
B3nmaerca AonorHrrenbHo K n. 1.4.1.2-n. 1.4.1.3. sa
o6pa6oncy oAHoro n raroKHoro Aol(yMeHTa; 6e yvera
renerpaQxux paooAoB. Ycrryra npeAocraBntercc no
B3aUMHOMy CornauleHup cropoH.
0,050/o oT clMMbl
nnarexa (nepeeoAa)
L,4.t.4. IlpoeeAeHne cpor{Hbrx naarexeft B Apyore KpeA],|THHe opraHh3aqrn,
nocrynxBurl,o( c ucnonb3oBaHueu cucTeMH Al4cTaHquoHHoro 6axroscroro o6crtylt<taBaHng
nu6o c ncnonuoBaHneM ruarexHbtx Aol(yMeHToB, npeAocraBneHHHx Ha 6yuaxxou
H(rcnrene
B3rMaercf, AononHtrrenbno r rapuQau,
ycrirHoBreHHblM e n.1.4.1.
flepeeoAu AeHexGbD( cpegcrB no pacnopf,xeHuqu nnarenbl4l4KoB B 9Tor xe AeHb B ctter
HanuqHHx nocrynnexrft xa pacu€rxufi c.r€r rnuenra B TeqeH[e onepaq[oHHoro Axs (npn
HeAocrirroqHocnl AeHexHHx cpeAcTB na clere)
B3nMaerca ronbKo npr ycneuxoi npoqeAypemarexHoro nopyqeH[n Ao ]lcnoflHeHug pacnoprxeHnt KnueHTa
Aeficrsytoqhe rapuQu
t'.
NQ n. nfe nn:
: ,,,"'i. ,r'.' , i :i.',
'nepevexu yctlyr I onepaqrafiAeficrs*orqne tapnOu
tlpumel{axue
EagoBan craBKa MXHI4MYM MAKC}IMVM
1.5. l4r@puaqnolHbre ycrryrrl Vorynr oKagbtBatorcf, Earror'r nocrre orutarbr
- ,ttt ,tEfuaiHhtn rrakvrtrnnl cut rirn n t v6nef PoeanncnaE AF,ttcDettgn
1.5.1. BuAaqa BbrnllcoK no cttery KrneHTa
1.5.1.1. BuAaqa BHnusc4 no cttery t<nueHTi! 3a AeHbEes e3l,rma]rrr
nnaHernevnFHug
1.5.1.2. BbrAaqa paornpexnofi uxQopuaqnn o ABrDKeH,ll no o{ery 3a nepuoA no
nlcbueHHomy 3af,BneHuo Knlelfra B TeqeHne pa6oqero Axg25 py6.
3a raxaufi nncr Aot(yMeHra, Ha ocHosaHlrn
3aqBreH[f, lgthe]rra
1.5.2.BHAaqa ronnfi pac.rerrHx Aot(yMeHToB r.t BbrnlrcoK no cqeraM no nrcbMeHHoMy 3atBneHrK)
K,|[eHTil
1.5.2.1. no AoTVMeHTaM/sunncKau sa reKyqxfi xaaergapxufi ro43a raxaufi Aoqymelrr. B3uMaerca B AeHb nonyqeHus
3anBfleHr4g or Knnerra
- no neficrnvrnttteuv nanriirgoMv 6terv 100 oY6.
no ?akngToMv nacsiirxnuv ctre-rv 500 Dy6.
t.5.2.2. no Aor(yMeHnm/eunncrau sa npellbrAyu&rft ranexAapxuft roA3a rcrraufi Aot(yMeHT. B3[Maercf, B AeHb nofiyqeHng
3aqB[eHr/m or Knue]rra
- no aeftcrBypueMy DaeteTHoMy c{ery 200 ov6.
no 3aKDhIToMv DacqeTHoMv Gterv 1 000 ov6.
t.5.2.2. no Aor(yMeHrirm/sbrnrsc!,r 3a roAbr, npeAuecrBypryre npeAuAyqemy
KanerulaDHoMy roav
la rarrAufi AoKyMelIT. B3nMaerca B AeHb non}n{eHug
3aqBneHuf, or Knuenra
- no aeilcrsvtoureuv oacq€rnomy c.terv 500 py6.
- no:raKDb{ToMy DaqCrHoMY c.tew 1 000 py6.
1.5.3. Cnpaarn no nr/rcbmeHHouy 3agBneHuo Knrerftr
3a mxaufi AoKyneHT. Banuaercn B AeHb noAaqrl
:lacueHnn Ha Bbgaqy cnpaBKx. Cnpaara BHAaercs
npr ycnoBllx onnaTbl
KOMt4CC],l14.
1.5.3.1. Cnpaara no @pue 6arra 200 py6.
Cpor nrroroaneHrrt - B TeqeHhe 2 Anefi co Axn
noAaqn gasBneHhs. npn BHeceHuu B cnpaBKy no
@pme 6anra rguexexufi no npoo6e KnreHTa,
srpaBKa ctr!fiaeTcs xerunoeofi u rapuQrqnpyercn sqnrBercrBlt?t c n. 1.5.3.3 u n.1.5.3.4
1.5.3.2. Cpouroe u:rroroBneHne cnpaBKr no @pue Eaxra s00 py6.
Cpor l,nroroeneHr'rg - B AeHb nprHf,Tllt :tatBneHnt.
3angnernn npvrHnMarrrcs Ao :taBepueHnf,
onepaqrpHHoro AH9.
1.5.3.3. HeirunoeHe cnpaBxrt
- cnpaBKr no @pme KrreHTa;
- uHbre cnDaBKlr, KDoMe vKa3aHHHx s n.1.5.3.1 r n.1.5.3.5
500 py6.CpoK BroroBneHrs - B TeqeHne 5 Axefi co Anq
noAaqh 3agBneH[g
Aeficrgytorque rapn$unpfiMeqaHne
.
f'lepevexs VulVr I onepatlufi
Cpor nrroroeneH[f, - B TeqeHxe 1 Axc c MoMeHTa1.5.3.4. Cpounoe vrroroBneHne rerunoeofi cnpaBKx
Cpor neroroaneHns - B TeqeHue 3 AHefi co Axc
noAaqu 3atBneH[tcnpaBKa o Aenosofi per)rraqrn Kn,reHTi!
Cpor u:roroeneHhs - B TeqeHne 3 Axefi co Ann
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Cpor n:roroaneHns - B TeqeHne 3 Anefi co AnrnoAaqh 3atBneHntBqaqa srpaBoK no 3aKpHTriM pacr€rxuu c"{eraM no xerunosofi @pue
3a rarrAufi AoKyMeHT. Bst4Maercq B AeHb noAaqn
3A9BTCHTN KNNEHTOM
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ltaqBreHr!rc KnneHTa
llpnena, npoBepKa yr ompaBKa nnarexHbx rpe6oaanufi, r4HKaccoBHx nopyvexnil Ha nHKacco
ornauennfi o cnucirHlrlr AeHgKHbrx cpe,AcIB 6es AononHrreluxoro
- B noney "6aHKa 3apeqbe" (AO)
3a oAlry BHnno(y. flo ganeneHuto lqlnerrallonyqexre ceeAeHrfi, aoAepxaqncs e EAlrxoM rocyAapcrBeHHom peecrpe rcpnAn'{ecrum
nrq n B EAnnou rocyAapcrBeHHoM peecrpe r,rHA,rBr4AyarbHHx npeAnpnHruateaefi, aa
- npr o6paqeHun Kn[eHTa ga eHnucrofi Arts pa3MeqeHug AeHexHbx cpeAcrB s Saxre
MnnnlaanuHuri pdtMep KoMl4cchl4 - B pa3Mepe ocrarKa
cpgAcrB Ha ca{ere, 3a ncKnoqeHueM cyMMH
orpanuuenrfi Ha pacnopf,xeHne AeHexHuml'l
cpeAcrBaMn, pacnopgxeHxe KoTopblMl4 orpaHnqeHo
B coorBercrB'r4 c :EKoHoAarenbcrBom Poccufi ct<oft
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OeAeparbHbrM 3irKoHoM or 07.08.2001r. Ng 115-tD3 nO nporraoAehctsnn nemnt4:rtql,ttl
(orr.ruaanun) AoxoAoB, nonyqeHHbx npecrynHbrm fifreu, r Sruarcnpoaannn reppopnaua"
Henpe,AocraBneHlrr KnheHToM Aor(yMeHToB B cpoK, yraaaxnufi Eaxrora B yBegouneHt4tl
AoKyuenroB npn orrpblrnn r o6crryxrBan[]t Gaxrogcroro c.tera
l4:rarBepeHne AonxHocrHHM nnqou Eaxra ronnfi c Aor(yMeHToB,
1.6.1.1. aoKvMeHTH Ha oraenbHHx nucrax
1.6.L.2. vcftrB x wDealrrenbHufi aoroeop KnueHra -
1.5,1.3. rurueHeHhe K ycraBy KnvreHTa -3a raxAyo noAnucb; Ha ocHoBitHl4gt :laf, BrleHuq
yAocroBepeHue o6pasuos noAnncefi B KaproqKax
N9 n. N9 nn. flepevexs yryr / onepaqnfi ,{eficralnque rapu$uflpnmevanue
Ea3oBar craBKa M}4H14Myl| MAKC{MYM
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nokvMeHTa_ norfrBenx(nanillero onnaTv
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^ Flwrdcn wrdi . EF@ @rurslq Er yts r,tatr srEnd ui{truu{E xrffirn (uPrArw,rdrE , fisrm4rtdrle lPEAr{[email protected] I€5eroluf, o6opor r orqeftHfi l€crq - 5 000 0m,00 fl6. t 6onee;
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PeuFH,eonp,xQGt|fnorrj!efHoroTap4oaRI63aHHHil('l@Hlai{npnIae1E'nocmnpoieA€|l,'Apdo'HrEnb|oinpo€€plo,|xfeFaxno,4$($mnqAE€prqeDqro( ,cfonrsrre ni odrlerur.rB no IUrfe xrroroB r l,tH!o( o&iar€Mtsx nsr€rf r 6qpcr. QoB qens nOA/OT, r€ xo*er npeluuErb 10 xarefilapHrd &€1.tr* B npearpagaHFfiHe aroi coflaoo 3arofloaar€nEray PO x Ff onepaqtioHlbe r nemompaqtoHxoe Bpell' reper@orirr 16 l qac Fxee.**r** OpraHrBaqxl| yrt€p(AEHrom neF{fir: 6eouanro npoEEoAldcr pao{eflo€ x laccoBe o6oryjro,rBaHre no Fflo:Ififlu|| cqerax rnprytos
ro oor r r€PyuEir rqopxaQFfmrD 6neE n dEmrHx, aorIcHrdn, r oErEne arfraHqm$ofo oaHroloo.s{oxeFri|ycDaEH,l|€pyrrFf'xd!l|xocrbrDoBeAE[mquFmrI''erom4pKyx€HI.Hl5yxo|olo|x6Ieneuano06cIolxGIxMaI€'6,npo.qAl|xolocHHEI6'
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Ns n.N9
nn.flepevenu ycnyr /onepaqlafi npumeqaHrf,
Sagqgas @Era,
850 py6. B Mecsq
M14H14MYM uakcuMvM2.1. llarer PKO "Ormlrralrnui"
. Orrpurrue pacq€rxoro orera
. Jlepsn.lxoe noAKnrtqeHhe K cicreMe AllcraHqlroHHoro 6axroscKoro o6ff)orcaeaxnn nEaHK+n
(eanlgapeueHxan naara). O(DopMneHue r Bbuat{a aenexxofi qeroeofi KHnxK}l. Exemecgqxoe BgaeHxe Dacrr€rnoro ot6ra:. ExeuecRqnar a6oxerrcxar nnara sa o6cn)rya4BaHue crcreMH Al4craHqnoHHoro 6aHroecroroqlftnymaaaxun "SaHK+n;. PacqJttKa nx@puaqrr o q)BepueHHbrx paqoAHbx onepaqxqx no pacrterHoMy c,rery s cncreMe AEO,HanpaMeeMofi e enAe SMS-coo6qexrafi ([email protected]) Ha oAuH nouep rercQoHa, npn Halwtuucornacilf, Knrenra B CoilaueHru o pacuenrom o6cnlarcaeaxrr c ucnolbgoBaHr4eM chcreMbl
Ancranq[oHHoro 6axroeg(oro o6gryrrueaxng nEaHK +n:. I lpoBe{eHre l4o(oAf,l4lo( KnnelrrooD( marexetxx B Apyrne Kpell]trHHe opraHil3aqun, npuHf,Tbte B
nephoA c 9 qacos 00 mnn}rrAo 16 qacos 00 Nuxyr MocKoBcKoro BpeMeHu, c llcnonb3oBaHreM crcreMHArcraHqnoHHoro 6axrogcroro o6cnyxneaHnc uruno tuarexHbtM AoKyMeHTaM, npeAocraBneHHHM Ha
6yuarcrou Hocrrene,:!a ncrnor{eHneM cpoqHHx nnarorefi ta 3a rcKnloqeHtaeM nnarexefi, y<asaxxux e n.
L41.3. Pa3aera l Taondos (ao 15 nnaror<efi e i,tecau ernbqrremHo)o llorly'{eHre Han}tqHbx co crtera KnreHTa topnAtaqeoolmu nllnlanu xa sapa6orxyp nnary, BbruaruCOqllanbHOrO XapaKrepa, CTUneHArll, KOMaHAI'lpOBOtlHbte paO(OAbt, CCy4U pa6rXrKaM OpraHu3ilqr4n,
AnBr4AeHAbr, neHctlti, noco6ur t4 crpaxoBue Bo3meqeHllt0.70o/o
I lo o4MBonaM oTqefiocTr4 0
KaccoBHx oSoporax 40, 4L, 42,
50. Or cyMMbr 3a oAHy
o npoBeAeHne no(oAtt4lo( K[[eHTcKrD( nnalexefi*x B Apyrxe KpeArrHbte opraH]Baq[r, nptaHf,Tbte B
nepuoA c 9 qacos 00 MrHfrAo 16 qacoB 00 uuryr MocKoBcKoro BpeMeHh, c llcnonb3oBaHneM crcrembl
AlcraHqnoHHoro 6axxoscKoro o6cnpruaaxnl unn no n rarexHHM Aot(yMeHTaM, npeAocraBneHHbtM Ha
6yuaxxotl Hoofrener ga ucKnrlqeHheM cpoqHbx nnaroreil u 3a ncKnrcqeHxeu marorefi, yrasaxnux s n.I.4.L.3. Pasgua 1 Tapn@e, HaqrHan c 16oro nnare)cl (sa ncrnnveueM cpoqHbx nnarexefi):
c ltcnoru3oBaHneM cncreMbt aucftlHutioHHoro 6aHrogcKoro o6cnvxrsaH[c** 23 pv6.- c ucnonb3oBaHlteM marexHbtx AotryMeHToB, npeAocraBfleHHbx Ha 6ymaxnom Hoc'trene 60 ov6.Haqncnenne ]t yrurara npoqeHToB Ha ocrarrn ra oaor6rrax crterax:- Ha MnHllManrrufi xecxnoemufi ocraror na paorErxom ctrere B TeqeHre Mecsqa B pa3Mepe or zfi) Tbtc.
By6nefito/o
Ecnx uHoe He
't.'.2.2,' . narer PKO "Arnalnuf,o
. oTKpbtTle pacqeTHorc ct|era
. flepgnqxoe noAKnKlqeHrie K cltcreMe A[cTaHqxoHHoro 6axroecKoro o6cry]<ileaHrn "EaHK+"(eAilrospeueHnas nnara). OQopunexne u BHAaqa lenelorofi qeroaofi KHltxK],lo bKemecsqH@ BeAeHxe pacqErroro cq€ra;
' Fxeuecnqxan a6onexrcran nnara sa o6qprcrsaHre cltcreMH A[craHq]roHHoro 6axroecxoroo6cflylruaaHlrq "EaHK+";
o coBepueHHbx pao(oAHbtx onepaqnf,x no pactteTHoMy cqeTy B ct4cTeMe
B BnAe SMs-coo6qeHnfi (SMS-nx@pmupoaaxre) Ha oAr4H xouep reaeSoHa, nplt Hannvruu
Knuerra a Cornaurerun o pacqeTHoM o6ctrprneaxrn c tacnonuoBaHueM cucreuu
llpoee4exue no(oAclqlo( KnreHTcKr/D( nnalex<efixx B Apyrue KpeAnrHbte opranrtaqru, npnHqrble B
c 9 ''tacoB 00 uuxfrAo 16 qacos 00 urxfr MocKoBcKoro BpeMeHlr, c ilcnonbgoBaHuem cncreMbl
AlfcTtlHtlt4oHHoro 6aHroecKoro o6cnprnaa{ul nnu no maTexHbrM Aor(yMeHTaM, npeAocraBfleHHbtM Ha
6yuaxxom HocilTener:ra hcKnrlqeHneM cpoqHux nnarexefi u:ta! rcKnpqeHreM nnarexefi, yrasaxnux a n.
. flonfrexue HanllqHHx co c"tera KnueHTa npnAhqecKnMn rnqaMn na aapa6orryp nnary, Bbtnnarbl
coquatlbHoK) xapaKTepa, cruneHAnh, KoMaHAnpoBortHbte pao(oAH, ccygu pa6ornrKaM opt-itHtl?ttq14n,
neHor4, noco6ru 'r
crpaxoBbte Bo3ueqeHhq
KaccoBux c6,opotax 4O, 4I, 42,
50. Or cyrrr.lu 3a oAHy
. flpoBe.AeHne no(oAqqlo( Knlae]rrqoo( nnarexefi** B Apynre KpeA]rrHbte opraH]firatql4t4, nprHf,Tble BnepuoA c 9 t{acoB 00 MuHfrAo 16 qacoB 00 munyr MocKoBcKoro BpeMeHh, c r4cnonbaoBaHileM cucreMbl
6aHroecroro o6cfiptrugaxrl nnn no nnarexHbtm AoqfMeHT:rM, npeAocraBneHHbtM Ha
6yuaxrou Hocrrene,3at t4cKnKtqeHueM cpoqHbD( nnarexefi n 3a ltg<rtnqeHueu nnaro(efi, yrasaxrux a n.
1.4.1.3. PasAera l Tapn@a, HaquHas c 51-oro ruarexa (aa ncrnnvetreM cpoqHbtx nnarorefi):
- Ha MuHuManunuft necxnraeuufi ocraror Ha pacqErHoM ctrere B TeqeHue Mecnqa B pa3Mepe or 300 ruc.
npn noAKnKr'{eHnH K naKeTy
B MOMeHT OTKpbtTl49
pacqeTHoro cqem
. l'l3rotoaneHlre u inBepeH[e AonxHocrHbtM nhqou Eaxra ronnfi c Aol(yMeHToB, npeAcraBneHHbtx
. yAocroaepeHne o6parqoe no4nncefi B KaproqKax npn orxputruu cq€ra
. flepsfiqHoe noAKnpqeHue K cl4creMe AilcraHqhoHHoro 6anroscroro o6oryxuaanns "EaHK+"
. Ex<euecggxag a6oHerrcrag nnara sa o6cnyxrBaHne clrcreMbt At4craHqltoHHoro 6atroscroro
. PaccblrlKa ,lHQopMaqrx o coBepujeHHbrx pao(oAHbx onepaqucx no pao{eTHoMy G{eTy B c}tcTeMe
HanpaBnteMofi s euAe SMS<oo6qexnfi (SM5-rax@punpoaaxrae) Ha oAxH xomep rene$oHa, npr4 Hanuvlnn
Knueura B CornauleHxr o paclErxor.l o6crlorneaxult c ltcnoJrbaoBaHuem cucret4bl
o npoBegeHue uo(oAf,t{t4x KflrexTcKtx marexefix* B Apyr}te KpeA}trHue opraHff}aqrr, npnHgrbte B
nepnoA c 9 qacog 00 MrHfr 4o 16 vacoa 00 uuxyr MocKoBcKoro BpeMeHn, c rcnonb3oBaHileM chcreMbl
Gaxrogcroro o6cnyxuearun ,ur no nnarexHbtM AotqMeHTaM, npeAocraBneHHbtM Ha
Hocrrrefler:la ucKnpqeHueM cpoqHbx nnarexefi !4 !E! ltcKnK)qeHl4eM ]rnarexefi, yraaaxxutx a n.
1.4.1.3. Pa:gena 1 TaprQoe (Ao fSO nnarorefi B Mecflq arnrcvnreluxo)
1650 py6. B Mecsq
3 000 py6.
I Mecgq
. nor) {eH}re HaIhqHHx @ etera KnneHTa opxAxqecKr4Mu nwlauu Ha :tapa6orHyp n rary, Bblnnarbr
q)qr4aflbHoro xapaKrepa, crnnewnw KoMaHAlrpoBoqHbre pao(oAbt, ccyAbr pa6oTlrnKaM opFaHlBaqnu,
Ar4BUAeHAbt, neHCUr4, nOCO6Uu n CrpaxoBbte BO3MeqeHhg
0,700/o
no @rMBoraM orqerHocn4 o
KafccoBbfx oooporax 40, 4t, 42,
50. Or cyMmu 3a oAFry
onepaqup.
. flpoBeAeHue ngoAgult/D( KnlteHTg(lo( nnarexefi** B Apyme KpeA&trHHe opraHtBitrlltt4, npuHf,Tue B
neplroA c 9 qacoB 00 MlHyrAo 16 qacos 00 unryr Mocr(oBcKoro BpeMeHn, c ucnonb3oBaHueM chcreMbl
AUCTaHqnOHHOTO 6aHKOBCKOT O6CnlDKl,rBaHlA UnU nO UaTeXHbrM AOl(yMeHTaM, npeAOCraBneHHblM Ha
6ymaxxou H(rcrrene,3a [cKnrrqeH[eM cpoqHbtx nnarexefi u:E! r4cKnnqeHlteM nnarexeil, yraaanxux a n.
1.4.1.3. PasAena l Tapra@a, HaquHas c 151-oro nnarexa (aa uocro,renreM cpor.rHbrx naarexefi):
- c r4cnonb3oBaHheM crcreMbt rlrcraHuhoHHoro 6aHKoBcKoro o6cnv)KnBaHxg ** 23 pv6.
- c ucnonbsoBaHreM ruarexHbrx troroMeHToB, nDeaocraBneHHbx Ha Eymaxxom Hocrrene 60 ov6.
4ononnarentnue paao4b, Ha odcttw4aanue erera no nbroruort aouuoou:
nbrorHaq crot4Mocrb B
cpaBHeHWr c TaprQamu xa
o6cryxnBaHre BHe naKera
PKO.
. llposeAexne nocneonepaqnoHHbx nnarexefi no 4orymernaM, npuHrrtru B nep!{oA c 16 qacos 00 MhHfr
ao 15 qacos 30 t't4Hvr Moct(oBcKoro BDeMeHll
0,03o/o oT cfMMbl
neDeBona100 py6.
. npoBeAeHue cpot{Hbrx nnarexefi B Apynre KpeA[THbre opraHrt:xil$4r,r, nocrynr4Bur]o( c ucnonb3oBaHneM
cricrembt At4craHquoHHoro Gxxoecroro o6cryxnnaxnn nn6o c ucnonsgoBaHueu nnarexHHx Aot(yMeHToB,
nnanfLraRncHHhna He 6vualcrnr,r ltncttrenF
0,03o/o oT clMMbl
nepeBoAa100 py6.
Haqncnerne r ylutara nDoueHToB Ha ocrarKrt ra Dacq€rncx crrerax:- Ha MnHnManbHHfi HecHnKaeMuft oqnroK Ha paseTHoM cqere B re'{eHue Mecsqa B pa3Mepe or 300 ruc.
ov6nefi:- cqera c HecHnxaeMHM ocrarKoM B Da3MeDe or 300 ruc. oy6. ao 1 mnx. ov6nefi (eKroq[Tenuxo); 2o/o
- cr{era c HecHlu<itemuu ocrarKoM B Dir:lMeoe cguule 1 MnH. Dv6. ao 5 MnH, ov6aefi (aKflotrrrenuxo); 4o/o
- catera c HecHtDKiaeMbtM ocrarKoM B D:BMeDe cBbtue 5 MnH. 0y6. n 60nee 5o/o
npttt nrntt xFt4uVL nqA|(]l|to,{e € l( rEt(ery Pl(O ocyqF<rsrrers r€ eor r€ x€t€e xecrqeB. Ilo r,EEqeHrr 3{ xecrqeB !cfdcH n€psA rE ra(€t 6oree Bxcol@d croxxoduo.
znoAM|Ge$eHaof'',$6ax,€mnaEryyoyrPl(oKnx€rrra,piHeeo6oly,aiEar[ErqsEaHIeIroTaptxm5a'ruxcIa!iGltI''Apymi|yna|(erycJ|yr,tFAa'{,xn,*cDt.:'a'anef,'onoArmo{€H,,Kna(gry.BnocnqAId{exc1.|lc[a*a,efAaprbnor.'qadoArndleHxena|GIay.JrrP|(onpolGmAl,fIcr.Emila.
3. fnrefr npeaocradrer sapar€e IeHHul arq€an 16 yrrary m[raroHforo scHirpagFHm no IlaGr Pl{O nyr$ orerIef€'F|ux(peAErBcoo€laK4IefTaaEarosHl[naf'6{,',5ornFfro5$yet'yI,I4lxEaIDloill|cd|dlfoe.GI€lpd(AEH,e'06Hi.,Huxoro@5o||'4pxU'3rPoqacrx{{a'oMafcro{crx5o5c,|y,cisaH,enoIla|GrP|(|t€AoIyoGercr.nFnperaqFnuo5otyx,tEaH,'mna*erPKoBca$xc!arpHnielo{eEKn'e,rIHEo:r{arpqAeHre yn ralfiaagrcr ia rE|(yuuf, rccrq r no&ox o6*xa, Hedairol|io or aeftr pacropreHrt Coflau*firt.
4.npxfqApcr'ieAerEml!(peAE1sfapa6€Ifoxo|ErefixoHeHTyn''fm,cc'orHom!dH.D|qEx*'non.rerPKo3aAo,dGHrcrrmoMar€r|ep€t|ooffaFrfoneprqrtoHHuf, 4€Hb {p xoHenra yru|arrl.
5.3aGoEepUeFEon€patul,rE*'|oqei*id6ll,arerygyrPKo,,,6€p(',x*r.IlargTayf,yrP|(o,Kf|eF'Ir,aq,Baer5aHrr'cd,|[email protected],eB6ars no 6aloaux cralrar, €a,u{ ll|roe He npeayororpe& nareroH yuyr Pl(O.
6 lraGr yEryr PKO {Eiqlyer r|o oanoHy pio€n|o|,ly o|e-ry Knr€ffa.7.nFrpaureHro6o|parE5H''ron.GryPl.oocyu{ecrBn'EElnp,t€'l4{l|,3a'aIeHl'MIeFIao6oTxnbqeB,,orna|G"rdP|(on,6onpxorty'craUNoMMIEp&$forEnsaHre nr'{sDH PI(O B re{eHre 3{ recrq€s nQ4rra Orxrbqexxe or o6crrrdaaHrr Io llar€ry Pl(O npoEuq4{rct@rre1€rrIoqero3r.,Etl,'K,rtiex'af5oo5pa3oEaHx'Ipggeciqmi3{p,xefHocnK'r€Fr.noorETe:bIla|Gi'BpxE3c{g{,,npoqqAypl5ar[poBH,,Uroflno{eH8e or o6cryloiEarHrr ro naGry npor€Boal{nr Eaftor ! ag$ rbr]rreHrr rf!{ mrDopxaqrr.
8.npx3axnocru,[omaopa5aHroEc{oroo|eraEp'c€rro-naccoso€o6.jptiEaH,ebp[44reGndnxq,nFAnpx{inr'rF.nefGe,Ee-Aprop)BFHbxFrE'€gIe9fdIA|€xlt€c4a,Eqxc'extienpoqeHor3a6pe(l,npouq4IeecHoxeFr.:5i,|o|€H,rIprBopa,ApnocneAr€rD|(an.|lAaptomFyxa3i Ht.i neproa xe npo&:Boll,frEe.
-np[paoopfeH,xApmBopaEH&cnefenpoqexroB!,eBpei'rnpo0eAUeecn€9&'loF,refAepfoIoAH'||€c'q',BmropopacrpHFAoroEop,,{oFt€ctooFexuf, octdt!|( fi e npoEBoarrct.
-Haq,c'e'o|e{ywEianpoq€Hros}€n9oBBqA{IEr[opaoGnHio{er'Bpy6'|fPocgilooltt|qAp9aqxx,onepaq,xm*aropdxorrFEraIoIonepaq[ino!it,IaHm(ofd,d3ytnyry5a{G),aTaDl.Ixeer'a'gteH,e3-xxec'qeBpetFH,eonp|eraroBnef,xonepEqxlnoG{cryti'l|Ha4Er|€'a|HecDeap€]ca.npoqeH'u!yxa:b[Hlo(G,rI6f5aKnpe(p.qaerHaqxcj'Th6A',cneAyEqerD3aAfe{Krg{efx,erxl3-xx€c'|l€€CDoT.eEE€Hto,AqrHmorx€ H nprccrixoBrEHr{r on€giqrt m c{ery, orrrvr apecE c aeso|d{hu cpeacrB Ha €t€re.
*Bo|yqa.larnedo[o(6o4r}€pyU.,l,',r@pF|l,oHtomo6i.eHarETefG!|l|,tprxeFrax'Bd|crEIe4|crafq,o$orD66Hrsdoloofny1o|Ban.EH(+'@FrbAoxoHeFra yctpaxel t Hapyuelttl cto(taocrb [poEea€Hxr oar'lofo nrafto{oro lplqxelfa E Syraxioll lf€lfenearcrafi qmHHorc 6aHroBcxono o6aiyroft afi ,r.
N9 n. N9 nn. llepevenu ycr'tyr I onepaqnfiAeficrenoullre rapn$u
llpuueuanneEaeoBag cratBKa t'll,lHHMVM MAKCfiMYM
3.1 OneDaunn no cqerau ocrpoy*3.1. Orrpune r BeaeHue cqera go<poy (eosxarpaxAerne 6anra) 5000 py6. llou gaKnto'{eHuu aoroBoDa
3.3. lzlsi4eHeHne yorcanft AoroBopa cq€ra scKpoy 5000 py6.flpu noAnncaHur Aon.
cornaurenrfi
3.2,Arrpegnrrou o py5nrxAtra pacqeroB Ha repprropnr Poccnf,croiOeaepaunn opan CHI'- aKKDeznrnBH. BbrnvcKaelttbte no noDweHaro rnnenToB Eanra
3.2.1. Crrpurue aKKpeAnruBa
3.2.1.1. orKpbnue aKKpeAhruBa c nonHbtM noKpurueM 0.15olo 1 500 ov6. 10 000 pv6.
3.2.L,2. orKpbrrme aKKpeAnrnBa 6es norpurrunno oTAenbHoMy
cornauieHulo cToDoH
3.2.2. Ygeru.{eH[e cvMMbt aKKDea%TrBa 0,1olo oT cvMMbl 1 500 pv6. 10 000 ov6.
3.2.3. Bnecenne nsmexexhfi B ycrloBt4t aKKpeAnruBa, KpoMe yBennqeHnq cyMMbl 500 pv6. i}a KAXAOE T3MEHCHhE
3.2.4. llpneu ta npoBepKa AoKyMeHToB, nonyqeHHbtx ns !4cnonHRrcqero 6asra 1 500 pv6.
- anKpetrmnBbt, orKpHTbre B nontEy Ktnenroa Eanxa
3.2.5. AensoBaHne aKKpeAnruBa 0.15o/o 1 500 pv6. 10 000 pv6.
3.2.6. AsugosaHre hsuexexnfi vcrtoerfi aKKDe[]trtiBa 500 ov6. 3a Kaxaoe h3MeHeHUe
3.2.7. llpueu, npoBepKa, nnarex, nepeAa'{a AoKfMeHroB no aKKpeAurtlBy0,t5o/o oT cyMMbl
NOKVMEHTOB1 500 py6. 10 000 py6.
M3cKpoyocyqecTBngeTc'cor,lacHopa3Aena1''Pacq€rxo-KaccoB@o6cnyxneaue''
flepeqexs yoryr / onepaqufi
Or qruuu Bbu[aBaemoro rpearra/ rnMtaTa
KpeplurHofi nnHuui W3ovlei Bsr4Maercf, B AeHb
BHAaqh Kpellhra / orxpunnc KpeAhrHofi nhHru.
ea pe3epBrpoaanne (6ponnposarre) Aerexlrbx cpqACrB Arrt
- no KFllr,rraM BHe yrBepr(AeHHbx nporpaMM, HaxoAguMMcg xa paar€rHo-
- no KpelgraM nocroqHHbrM KnueHTaM,pactr6rrtue cqera Koropbx s EaHre
paHee 01.01.2017 roaa h no KoropbrM npoBoArrct onepauuu B re'4eHne
npu yBenhqeHrn cyMMbl Kpelllrra Bbrue
yrBeP(AeHHOTO paHee nl4MnTa - AonorHuTenbHo
or pa3Hhqu Mer(Ay yBenxqeHHoft cyuuofi
nnqnra u npqpugyqefi cyr'rttoil nnqwrai- no KpeA[TirM BHe yrBept(AeHHbD( nporpaMM, HixoAsrr{4Mcs xa pacrErxo-
- no KpeAhTEtM nocTogHHUM KnreHTaM,pag.teTHbte GteTa KoTopbD( B
paHee 01.01.2017 roAa x no KoropbrM npoBoArrce onepauuta B reqeHne
Korclrctr{r sa pe3epBrpoeanne (6poxnpoeaxne) genencrbrx cpeACTB ertBOirMOrilHoCTr,r KPeAt'|rOBaHXT pacrrerHoro Crena (oeepgpafi):
lra yBerxqeHre rlfMlfTa KpqA[ToBaHnn pacHeTHoro cqeTa
Paco,rorpenre gatBKll Ha npqnocraBnexne 6aHrosq(oi raparrran, tra
Kor.rncgrorrute Bograrpot(neHtrf, no Sanrogqnarl rapalmrnn/raparrnf,ruu nnnro,tL
Pa3oBar or nnuwra oaepApa@ra, B3hMaercs B
AeHb :raKnpqeHrr AoroBopa o npeAocnlBneHnn
oeepapaQrc
PasoBan or pa3Hrqbr Mor(Ay yeenrueHHofi
cprqofi nnqvrfa u npaqrulefi cyt'tt'.toi numwra
oeepApaoTa, B3hMaeTce B AeHb noAnr(ltHlrg
AononHhTenbHoro cornaueHnf, K AoroBopy o
npeAocraBneHhn oeepApaqra
cornacHo AoroBopy
W:titi:SI*?W*{lgWfA*:!:1FW*!!Ne n. N9 nn, tlepeqens ycnyr / onepaqrafi
MaKCiltrlVMllpnmevaHue
FasoBag craBKa Mt t{uMvM
4.6.2.BHecenue usmexexhfi no hHt4qnarrBe Kn%eHTa B AorcrBop o npeAocraBneHun6anroes(ofi rapalrn4t4 nlnnu s AoKyMeHTbt B @r:14 c t4:tMeHeHlreM @craBilllanoxeHHoro nMyu{eclBa
3 000 py6.
Bgxuaerct eAxHoBpeMer{Ho B Aary 3alKnpt{eHnc
AononHrrenbHoro @rnaueHut. Ecn!,t npn BHeceHuh
nsr.{exeHhfi B AoroBop o npeAocraBneHrr 6axroso(ofiritpaHr?r4 rpe6yercs BHecelre usuexexufi B AoroBop
3anora/nopyqrTenbcrBa, To KoMt4ccti|c B3l4Maerct
TonbKo 3a BHe@Hhe rcuexerrfi B AoroBop o
npeAocraBneHhlr 6anrcao<oi tttpaxrulr
4.7.llgnerenre ocHoBtrbx ycloarf, npegocraBlenr,lr KpqAHTa: cpoKanorauent,tr (eoeapara) Kpqglfra, npoqermrof, craBKx no Kpe4rrryFal,tctc,||oqeHl|eu:
10 000 py6. na Kar(Aoe
cilrlecTBeHHoe ycnoBueB3rMaerct nph 3aKnKtqeHhn AononHt4TenbHoro
@tnaueHn9
4.7.t. - Kn[eHTOB, HaXOAeulrD(Cn Ha pao.tcTHo-KacoaoM oocrDDtolsaxhn 6oree 10 asr5e3 s3l4MaHng
BO?t{amatkneHuc
4.8.llaara 3a npqgocraBnenne tnSopnaqrra (cnpaarn) no Kpqgt,rrallKnneHToB, 6anrogrrcnu rapaHTltttrt:
3a rarraufi AoqfllerT. B3nMasrcn B AeHb noAaqh
3anBneHhn Ha BHAa'{y opaBK4. CnpaBG BHAaerct
npu y cnoBuu oMaTu KoM l4ccuta.
4.8.1.
Trnosue cnpaBKu no @pue Eanra- o nanutnnl orclraenul ocrarKe :laAoDKeHHocrl4;
- o6 o6oporax no ccyAHoMy c{{sry;- o Hannvnu/orcyrcrann/ ocrarre HercnorHeHHbD( a cpor o6rsarenbcrBoX floacyAHoMy c|ery;- o rpeArmofi ncropuu e 6axxe;- o6 ynnalexrbx npoqelnix no KpeAtrry
200 py6.
Cpor reroroaneHns - B TerreHne 3 AHefi co AHs
noAar{n 3acBneHhq. flpn enecexun B T'rnoByro
Qopr,ry ueueueHyrfi/AononHeHnfi no npre6eKnneHTa, cnpaBKa GtrffaeTcn HeTlrnoBoi 14
raprQnqnpyercn B cooTBercrBr4lr c n. 8.3 n
n.8.4
4.8.2. Cpoqxoe n:lroroBneHr4e cnpaBv no Qopue Eaxra 500 py6.Cpor usroroaneH[r - B TeqeHxe 4 qaos c
MOMeHTa noAaqr4 3it9UIeHh9.
4.8.3.neTnnoBHe cnpaBM
- cnpaBKx no @pue rntaeHTa;
- uHHe annaRrr300 py6. @r naroroeaeHne - B TeqeHue 5 Axefi co Axs
noAat{x 3agBneHug
4.8.4. Cpovuoe n3rcrroBneHne Herunosofi otpaBKr 600 py6.Cpor naroroeneHlis - B TeqeHre 1 Ans c
MOMeHTa noAaqh 3a9BneHt4n.
4.9.flaara ga np4ocraBrerur nx@puaqrn o rpef,rmroi nclJopun Kn]teHra,xoarcurefia e HEKH r lIKKll:
1.9.1. - KnreHTaM, He uMenu{hu KpeA[THbx B3anM@THoueHrfi c Eaxrou; 300 ov6. BsnMaerca tro BDyqeH!4t orqera KnlreHry
4.9.2. - KnneHTaM, rMe|oqrM KpellgtrHbte B3athMoorHouexrn c Eaxrom;6er e3rtiaHut
BO3l{arDaxneHl,g
4.10. Oragarne Kolrcynbrauronnoi ycrynr B Brrge cSopa narera AoKyMeHToEArln o6DaureHrt B aDYTltg KDeaaHbre oDraHrsaurt 25 000 py6. B3r4Mae[ct corraq.to AorcBopa
4.L'-. Orasanre Koncynbraqnonroi yoryru B BnA€ paspa6orrnxHB€cilultoHHono nD€anor(ernn (Sngrec-nnara) s0 000 py6. B3uMaerTcn cornacHo AoroBopa
ru9 nn.grByro|llHe raphobl
, npn*eqi*raaEarcieas craBka. : MI'HHi/N'M MaKCt4tvlvM
4.L2.Kourccmr oa o@pwrerre AoroBopa gaaora/goroBopa 06
rarrarn6moaqronnoreKe B
3 000 py6.llo uxuqrarnae KnneHTa. Bluuaercn B MoMeHT
peruqpaqnl,l
4.Lz.t. - KnlreHroB, HaxollgrqyD(cn Ha pacu€rno-raccoBoM o6c'lpK}reaxnr 6onee 10 nelTEeg BnMaH!4t
BO?t{arnai(neHuq
N9 n.N9'
nnlne!€qeHb yuryr /onepaqufi
Aeficrgvtouue rapnduEagoBai crahKa MI,IH14MVM Me[cuMvM
5.1.iAnHospe!4exHar nnara 3a noAKnnqeHre K crcreMe AncraHqnoHHoro 6anrogcroro
:6cnyrrugaxrn nEaHK +"1 500 py6.
EAuHoepe!,reHHo, B MoMeHT oKa3aHhq ycrryrn
s.2.
EgnnoapeuenHat nrara 3a h3MeHeHxe napaMerpoB perxcrpaqhx (an6oe [3MeHeHhe
B cocraBe nrq - BnaAe.nsr4ee xarovei) B chcreMe AhcraHq[oHHoro 6aHxoacroro
o6cnyrrhaanltn "6aHK +"
s00 py6.
5.3.A6onerrcraq nnara 3a o6upnaeaHre B cucreMe AncrirHur4oHHoro 6aHroecroro
o6cnlaruaaxun oEaHK+n :
300 py6.
breMecrqHo a nepaufi pa6o,rnil geuu Meceqa aBaHcoBbtM nnarelt<oM ra reryqnfi
!,recrq. t{acrrqHar omara He AorrycKaErcn, npn HeAocrarKe AeHoffibD( cpeAcIB
Ha paGteTHoM cqeTe Ha fioMeHT cnhcaHhq KoMl4cclroHHoro Bo3Harpo(aeHl4t
3aAoDKeHHocrb no on rare nepeHocltrcn na crqpyoqnft onepaquoxnufi Aenu Ao
MoMeHTa ynnaru. npn 3a|(pbnuh C'.rera Knuema, KoMncr4oHHoe
BoBHarpall<geHlre ynnaqrBaerct 3a rery4rfi Mecf,q B nortHoM o6beMe,
He3aBrc4!1o or Aarbt pacopxeHut AoroBopa.
5.4.llorropHoe noAurlqeHne K cucreMe Arct?rHulroHHoro 6aHroecroro dcnlarcaaaxnnnEaHK+" 500 py6. FIuHoBpeMeHHo B AeHb noAa'{n 3atBneHlu Ha nepeycraHoBKy orcr€Mbl
5.5.CMeHa rnpqefi e cucreMe AncraHquoHHoro 6axroecroro oScny)aaaaHraa
nEaHK +n B
cBtril4 C OKOHr{aHneM CpOra AefiCrenq
6e? B3rMaHxc
BO3HarpAr(AeHn9
5.6.flo4rnouenre chcreMu AucraHquoHHoro 6axroecroro o6cnlarngaxug
nEaHK+o B
pelKnMe "Pacv6rHufi qenrp"
1000 py6. sa
raxaufipacq€rxuil cq6r
Ha ocrroBannu aonoaurrenuox coraauexril
5.7.A6oxerrcrar nnara 3a o6cnylaaeaxile B cucreme ArcraHqnoHHoro 6aHKoBcKoro
o6cnlarraaxug "EaHK+" B potuMe "Pacq€rnufi qenrp"
5.7.L.- nonnufi Qynrqnonaa (arqem nnarexa)
1 000 py6. a
MFaqt I
5.7.2. - ankrul I reHHhrfi drvxrr ruoHan lnnncuorn n narerra) 500 ov6. B Mecnu