«KIA CARD»

PRAVEX-BANK together with «КІА MOTORS UKRAINE» and official service partner «AUTO MOBIL CLUB» offers you joint project - co-branding credit card, with which you get more privileges!

•Card privileges:

1. Absence of initial expenses for drawing up, limit setting and card unblocking, i.e. card is drawn FREE OF CHARGE!
2. Opportunity to pay for purchases at any store, where POS-terminal is set all over Ukraine as well as beyond its borders;
3. Opportunity to get cash at any ATM or outlet of PRAVEX-BANK all over Ukraine and abroad;
4. The customer can decide individually when it is necessary to use credit, - it is possible to use credit limit which is available under any unforeseen event;
5. Ease of use - with the help of card the Customer can pay for purchase immediately and then gradually return debt;
6. Opportunity to use card for many times - paid part of credit is accessible for expenditures again! Revolving scheme of crediting is realized (with self-renewing credit in accordance with debt repayment).
7. There is no necessity to draw documents for credit every time, it is enough to draw card once with necessary credit limit and use credit means any time when it is necessary.
8. Opportunity to use card under preferential terms without interests' payment for credit usage up to 60 days. Preferential term is valid until 25.04.2008 (inclusive).
9. "KIA CARD" holders have opportunity to get legal consultations of "KIA MOTORS" company by phone as for issues of auto right (information by "KIA MOTORS" hot line 8-800-500-1-700 or www.kia.com.ua).
10. "KIA CARD" holders become "Auto-mobile club" members that have access to information and service center: navigation in road, weather, search and order of auto parts (information on hot line "Auto-mobile club" 8-800-50-525-50 (indicated on "KIA CARD")).
11. In case of serious damage or accident, client's car ("KIA CARD" holder) will be evacuated to the nearest service center. This service limit constitutes UAH 300 that will be compensated to "KIA" car owner. More details on "Auto-mobile club" hot line 8-800-525-50 or at site www.ukrassist.com.
12. New privilege: car owner gets 2-10% discount while technical servicing (for auto parts, consumables and for labour compensation)
13. New benefit: The Customer gets a 10 % discount for tires and disks purchase in "EUROTIRE" store chain in Kyiv at the following addresses:

• 164, Gorkogo St. 11,
• Naberezhno-Korchevatska St.
• 20, Stetsenko St.
• 16, Glybochytska St.
• 99-K, Stolychne road
• 12, Elektrykiv St.

Additional benefits for cards holders:

• "KIA CARD" holders have an opportunity to earn discounts at "Pravex-Insurance" company*:
Car insurance - 10%;
Insurance of expenditures for urgent medical and other services during trip abroad - 10%.
• Banking metals and coins purchase discount*:
for banking metals in form of coins - 10%;
bars from 1 to 10 g - 7%;
bars from 20 to 50 g - 5%;
bars from 100 to 1000 g - 3%.

* - applicable only to customers having set credit limit on "KIA CARD" card.

«KIA CARD» holders get the whole range of unique services and privileges from «KIA MOTORS» company, and also become participants of «AUTO MOBIL CLUB».

You can get acquainted at site of with «KIA MOTORS» company with actual list of services and privileges www.kia.com.ua, and also on site «AUTO MOBIL CLUB» program

- www.auto-mobil.com.ua.

Main conditions of crediting on «KIA CARD»:

• Issuance, drawing of card and credit limit set - free of charge!
• Credit limit validity term - 24 months;
• Crediting currency - hryvnya;
• Interest rate - until 27.02.2008 - 0% of annuals, since 28.02.2008 - 0,083% per day;
• Credit amount - up to UAH 25000;
• Repayment - monthly;
• Payment for cash of means is absent;
• Payment for card account replenishment is absent;
• Payment for cashless settlements in trade network is absent.

How to get "KIA CARD" credit card?

Issue of «KIA CARD» cards (and corresponding PIN-envelops) is performed by employees of "КІА MOTORS UKRAINE" company. While card issue it is just discount card of company. Credit limit on this card is set by means of its activation. It is possible to activate card and set credit limit on its account having drawn necessary documents at any Bank's outlet. Card is not active without registration in «AUTO MOBIL CLUB».

•List of documents necessary for credit limit setting:

With credit amount up to UAH 4000:

• Passport of citizen of Ukraine;
• Original of certificate about individual's ID assignment - taxpayer (if identification code is absent in accordance with religious opinions, corresponding record should be in passport);
• Receipt about getting of card by client attached to PIN-envelope;
• Original of certificate about incomes for the last 6 months from working place (if necessary);
• If you are individual- entrepreneur, it is necessary to provide additionally certificate about state registration.

Additionally, with credit amount from UAH 4001 to UAH 7000:

• Original of income certificate from working place for the last 6 months;
• If you are individual- entrepreneur:

reports about received incomes for the last two quarters (with record of tax authority about receiving);

• Required time record - not less than 1 year.

Additionally with credit amount from UAH 7001 to UAH 10000:

• Documents confirming right of property on real estate;
• Copy of all pages of work record card certified by enterprise seal and corresponding employee's signature;
• If you are individual- entrepreneur:

Certificate from tax authority about absence of indebtedness before budget;

• Required time record- not less than 2 years.

Additionally with credit amount from UAH 10001 to UAH 25000:

• It is necessary to provide documents of guarantee (passport of citizen of Ukraine, original of certificate about individual's ID assignment, income certificate from working place for the last 6 months;
• Required time record - not less than 3 years.

If you are employee of individual- entrepreneur (in spite of credit amount), you should have guarantee. Guarantee can be your employer as well as any other person working not in individual- entrepreneur

Bank can require additional documents in separate cases.

Having called to Bank's information center you can receive any other information about "KIA KARD" credit card.

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