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General Terms and Conditions of First these General Terms and Conditions, and the Tariff for one reporting period; d) "ATM (Automated Teller Machine) Terminal", or "ATM" shall mean a device for withdrawing of cash, as well as for deposit of cash with debit card issued by Fibank – for the ATMs marked with GENERAL TERMS AND CONDITIONS sticker for deposit function, payment of services, OF FIRST INVESTMENT BANK AD transferring of funds between accounts, or performing FOR ISSUANCE AND USE OF INTERNATIONAL of other payment or non-payment operations; DEBIT CARDS MAESTRO, VISA ELECTRON, V PAY e) "Authorized user" shall mean the Account AND DEBIT MASTERCARD Holder or another individual, indicated in the Application for issuance of an additional card, in whose name, by order of the Account Holder, a Card has been issued to I. DEFINITIONS the Account; f) “Card” shall mean a payment instrument 1.1. For the purposes of these General Terms and agreed between the Bank, the Account Holder and the Conditions, the Application for issuance of a debit card Authorized user within the meaning of the Law on MAESTRO, VISA Electron, V PAY and Debit MasterCard, or the Application for issuance of a debit Payment Services and Payment Systems (LPSPS), representing a debit bank payment card Maestro, VISA card Debit MasterCard PayPass teen/kids, including Electron, V PAY, Debit MasterCard, Debit MasterCard Microcard or the Business Debit Card Application Form, PayPass kids/teen, business debit card VISA Business respectively the Request for issuance of a Digital card Debit or MasterCard Business Debit, issued by the and the Contract under general terms and conditions to Bank to the Authorized user, on which information is any of them (hereinafter generally “the Contract” or stored electronically and which is used repeatedly to according to the context “Contract for card in plastic”, identify the Authorized user on the basis of a plastic “Contract for Digital card”), concluded between the User card, to remotely access the Account Holder’s own of payment services (hereinafter the Account Holder) funds (and/or a credit on the account of the Account and First Investment Bank AD, Sofia, 37 Dragan Holder, to the amount and under conditions agreed in Tsankov Blvd., UIC 831094393, holding a universal advance according to a Contract for providing of a bank license № РД22-2257/16.11.2009, issued by the credit-overdraft) on a current (card) account of Bulgarian National Bank, which supervises its activities individuals, and pursuant to these General Terms and (hereinafter the Bank or Fibank), as well as the Conditions; Application for issuance of an additional card and the Contract under general terms and conditions to it, g) "Charges" shall mean all amounts due concluded between the Bank, the Account Holder and according to the Tariff, such as fees, commissions, the Authorized user designated by him (hereinafter expenses, regardless of their type; Contract for additional card), as well as all requests, h) "Current (card) account" or "The applications, declarations, confirmations and other Account" shall mean a bank account, kept by the Bank written agreements thereto, the terms listed below shall in the name of the Account Holder, to which one or have the following meanings: more Cards are issued, including of different types a) “A Contactless Transaction” means any (trademarks), to which the transactions performed with transaction made by a card with the logo PayPass, the Card/s are booked, and from which the principal, PayWave, or by a Digital Card in contactless manner, interest and other expenses due from the Account by approaching/touching a payment terminal (ATM, Holder are repaid. The Bank shall open the Account by POS). order of the Account Holder, which shall be considered given by signing of an Application for issuance of a b) "Account Holder" shall mean an individual Card as the relations between the parties in connection or legal entity, in whose name a current (card) account with the Account shall be governed by the Bank's is kept. Unless there are additional Cards issued to the General terms and conditions for opening and keeping Account, the Account Holder is also the Authorized of bank accounts and providing of payment services user. In case in the name of the Account Holder has (GTCPS). The Bank shall have the right to officially been issued a Card, all rights and obligations of the close the Account at the expiration of the term of the Authorized user arising from the Contract and the Contract, should it not be renewed; present General Terms and Conditions shall also apply to the Account Holder. c) "Account statement" shall mean a i) “Digital Debit Card” (Digital card) is a type document on a durable medium issued by the Bank to of debit card Maestro issued without a plastic which is the Account Holder, containing information about all intended for use in the country and abroad via NFC payment transactions performed on the Account, Mobile Devices at payment terminals allowing including transactions with each of the Cards issued to contactless transaction. Authorized user of a Digital the Account including the Digital card, as well as data card shall mean a physical person - Account Holder on the amounts, value dates, types, and dates of who has registered for active banking in the Fibank performing of the transactions, and the interests and Mobile Application under the conditions for issuance of fees accrued to the Account according to the Contract, a Digital card in the General Terms and Conditions for 1 use of the FIBANK Mobile Application of First 2.2. These General Terms and Conditions shall Investment Bank AD. constitute an integral part of the Contract, and the j) “Microcard” shall mean an additional card Contract for additional card. issued by Fibank to debit payment card MasterCard PayPass teen/kids in plastic in reduced size which is ІІІ. GENERAL PROVISIONS intended for use at payment terminals allowing contactless transaction PayPass; 3.1. Pursuant to the requirements of LPSPS and the k) „Mobile Device” shall mean a of type regulations for its implementation concerning the portable electronic equipment (mobile phone, etc.) provision of preliminary information, the Bank shall which by its operating system can use various make these General Terms and Conditions, the Tariff applications, is provided with various types of radio and the GTCPS available to its customers in an connection, and allows Internet connectivity. A NFC accessible way, allowing them sufficient time for making Mobile Device is a mobile device with near field an informed decision for the use of the service communication (NFC) capability allowing contactless concerned, respectively for concluding of a contract, data exchange for the purpose of making contactless including through announcing them on the Bank’s payments; website at www.fibank.bg, or in another manner on a l) "Off-line mode" shall mean a mode where durable medium, in the form of intelligible text in the card payment transaction is performed without Bulgarian language and in accessible format. requiring approval in real time by the authorization 3.1.1. Upon request, the Bank may provide the system of the issuer or of his servicing card system preliminary information in a manner different from those operator, or by an international authorization system specified in item 3.1., subject to charges according to the Tariff. m) "On-line mode" shall mean a mode in 3.2. (1) The Card is intended for use in the country and which each card payment transaction is immediately abroad through terminal devices, marked with the approved by the authorization system of the payment commercial brand of the respective Card – Maestro, service provider issuing the card, or of his servicing VISA Electron V PAY, Debit MasterCard, VISA card system operator, to which authorization system the Business Debit or MasterCard Business Debit, as the terminal device where the payment transaction is Bank shall be obliged, by order of the Authorized user, performed is connected via a telecommunications to perform the following transactions: medium; 3.2.1. payments for goods and services or n) "POS (Point of Sale, Point of Service) withdrawing of cash through a POS; Terminal", or "POS shall mean a device, through 3.2.2. payments for goods and services, and which payment for goods and services or withdrawing transfers between accounts through virtual POS of cash are performed, as well as other payment or terminals; non-payment operations, according to the sign of the 3.2.3. withdrawing of cash through ATMs; service indicated on the device, through the use of a payment card; 3.2.4. deposit of cash through Fibank ATMs with deposit function in the country; 3.2.5. transfers between accounts and o) "Terms and Conditions (Tariff)" shall payments for services through ATMs in the country, mean the Tariff of fees and commissions of First provided the technical possibility for that is ensured by Investment Bank AD, adopted by the Managing Board the respective card operators; of the Bank, including the Bulletin of Interest Rates accrued by the Bank on bank accounts in local and 3.2.6. references and other payment and non- foreign currency (hereinafter Bulletin of Interests or payment operations. Interest Bulletin), together with all amendments and (2) The Digital Card is intended for use in the country additions thereof as at the date of their application; and abroad at payment terminals (ATM, POS) allowing contactless transactions. No payments can be made ІІ. SUBJECT with the Digital Card over the Internet, or by other remote means of communication, that require the 2.1. These General Terms and Conditions shall govern physical presence of the card. the relationship between the Bank, the Account Holder and the Authorized user in connection with: (3) The Microcard is intended for use in the country and abroad at payment terminals allowing contactless 2.1.1.
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