«KIA CARD»

PRAVEX-BANK together with «КІА MOTORS UKRAINE» and official service partner «AUTO MOBIL CLUB» offers you a 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, the card is drawn up 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 PRAVEX-Bank's branch 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 repeatedly - 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 up the credit every time, it is enough to draw up the card once with necessary credit limit and use credit means any time when it is necessary.
8. "KIA CARD" holders have opportunity to get legal consultations of "KIA MOTORS" company by phone concerning issues of auto right (information by "KIA MOTORS" hot line 8-800-500-1-700 or www.kia.com.ua).
9. "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 (hot line "Auto-mobile club" 8-800-50-525-50 (indicated on "KIA CARD")).
10. 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.
11. New privilege: car owner gets 2-10% discount while technical servicing (for auto parts, consumables and for labour compensation)
12. 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 get 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 see the actual list of services and privileges at «KIA MOTORS» company site: www.kia.com.ua, and also at «AUTO MOBIL CLUB» program site: www.auto-mobil.com.ua.

Main «KIA CARD» crediting conditions:

• Issuance, card drawing up and credit limit setting - free of charge!
• Credit limit validity term - 24 months;
• Crediting currency - UAH;
• 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 cashing funds is absent;
• Payment for card account recharge 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. By 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 by submitting necessary documents at any Bank's branch. Card is not active without registration in «AUTO MOBIL CLUB».

•List of documents necessary for credit limit setting:

With credit amount up to UAH 4 000:

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

Additionally, with credit amount from UAH 4 001 to UAH 7 000:

• Original of income certificate from working place for the last 6 months;
• If you are a private 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 7 001 to UAH 10 000:

• 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 a private 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 10 001 to UAH 25 000:

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

If you are private entrepreneur's employee (regardless of credit amount), you must have guarantee. Guarantee can be your employer as well as any other person who is not working for a private entrepreneur.

Bank can require additional documents in separate cases.

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

Also see the terms of card accounts maintaining terms and conditions of payment cards use .

These terms can be changed by the Bank. More detailed information on forms of crediting you can obtain by phone at Bank's call centre: 8 - 044- 201-16-61, 8-800-500-45-00 (free of charge all over Ukraine from fixed phones).

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