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Ministry of Justice of Ukraine

August 23, 2012

No. 1430/21742

DECISION OF EXECUTIVE DIRECTORATE OF FUND OF GUARANTEEING HOUSEHOLD DEPOSITS OF UKRAINE

of July 9, 2012 No. 3

About approval of Rules of forming and maintaining databases about investors

(as amended on 18-12-2023)

According to Item 3 parts three of Article 12, Item 13 of the Section X "Final and transitional provisions" of the Law of Ukraine "About system of guaranteeing household deposits" executive directorate of Fund of guaranteeing household deposits of RESHILA:

1. Approve Rules of forming and maintaining databases about investors which are attached.

2. To provide to department of the organization of payments together with legal department provision of this decision in the Ministry of Justice of Ukraine for state registration.

4. This decision becomes effective at the same time with entry into force of the Law of Ukraine "About system of guaranteeing household deposits", but not earlier than day of official publication.

5. To the banks which are taking part in system of guaranteeing household deposits to bring databases about investors into accord with Rules of forming and maintaining the databases approved by this decision till January 01, 2013.

6. And the international organizations to provide to department of public relations placement of this decision on the official page of Fund of guaranteeing household deposits on the Internet after its state registration.

Managing director

O. I. Sharova

Approved by the Decision of executive directorate of Fund of guaranteeing household deposits of Ukraine of July 9, 2012 No. 3

Rules of forming and maintaining databases about investors

I. General provisions

1. These rules are developed according to the Law of Ukraine "About system of guaranteeing household deposits" for the purpose of creation of single requirements to forming and maintaining the database by banks about investors for possibility of timely payment of the guaranteed compensation amount of means to them on deposits.

2. These rules establish general requirements on accumulating and preserving by banks information on investors.

3. In these Rules terms are used in such values:

the database about investors (further - the database) - storage of data of hardware and software system as parts of system of automation of work of bank which provides accumulating, preserving, proper use of information on investors necessary for implementation by Fund guaranteeing household deposits (further - Fund) payments of the guaranteed amounts of compensations;

responsible for information - the employee (workers) of the relevant division of bank who is responsible for information input about investors in the database, its reliability, and also preserving and protection against destruction;

the investor's identifier in the file "Z" - number of information line with information on the investor in the file "Z";

the identifier of entry in the file "D" - number of information line with information on the account of the investor in the file "D".

Other terms are used in the values given in the Law of Ukraine "About system of guaranteeing household deposits".

II. Procedure for forming of the database

1. The database consists of information

investors according to the bank deposit agreements (deposit) and bank account signed with bank by which attraction of deposits by bank is confirmed;

deposits, including about the deposit amounts granted by the investor or which arrived for the investor on accomplishment of conditions of agreements, and the added percent on them;

accounts on which deposits and the added percent on them are considered.

Information on the deposits confirmed with the registered savings (deposit) certificates of bank issued till June 30, 2021 joins in the database.

2. Data on the investor shall be entered into the database in day of the conclusion with the investor or his representative, or physical person for benefit of the third party of bank deposit agreement and/or the bank account and opening of the corresponding account, except the amount of the added percent.

The amount of the added percent which are payable to the investor (not paid) joins in the database right after their charge and reduction by tax amount. At the same time reflection in the database of remaining balance of the amounts of the added percent is conducted by separate agreements of each investor.

Display in the database of information on one agreement can be performed by two or more records.

The size of interest rate joins in the database thus: it is established in accordance with the terms of the agreement in the account opening day and changes in the corresponding dates in accordance with the terms of the agreement.

If charge of percent happens to use of tiered interest rate, the size of interest rate on which there was the last charge is specified.

If on the account of the investor opened according to the signed bank account agreement, the balance in cash is equal to zero, the size of interest rate established in accordance with the terms of the agreement is specified.

If on the same account charge of percent on different rates is provided, the weighted average interest rate is specified.

3. If the bank deposit agreement (deposit) or bank account is concluded by physical person for benefit of the third party, before acquisition of rights of the investor by person for benefit of which the agreement is signed and the account is opened, identification these persons, opened the account are brought in the database.

From the moment of presentation in bank by person for benefit of whom the agreement is signed and opens the account, the first requirement or expression by it different way of intention to use this account identification data in the database change:

for juvenile person - on data from the certificate on its birth or its passports for trip abroad, or other identity document, and on other information according to requirements of Item 2 of the Section III of these rules;

for minor and full age person - on its these passports or other identity document, and on other information according to requirements of Item 2 of the Section III of these rules.

If person for benefit of whom the supplementary (deposit) account is opened refused contribution, and the person which signed bank deposit agreement and opened the supplementary (deposit) account for benefit of the third party transferred it to the name by the conclusion of the additional agreement or new bank deposit agreement (deposit) and opening of the new supplementary (deposit) account, in the database information on the agreement and account number changes (in case of change). In case of the conclusion of the additional agreement in the database the agreement number and number of the additional agreement, date of the conclusion of the additional agreement is specified.

4. The database, in addition to accomplishment of transactions on accumulating, preserving and proper use of information on investors, shall provide possibility of data storage in files, including in archival files, and also possibility of the manual or automated recovery of the database from backup copies in case of destruction of the basis for data.

All functions and mechanisms stated above shall be the integral component of management system the database.

5. The database of bank shall be created using hardware and software system.

6. The hardware and software system can function as it is autonomous, and as a part of operational day of bank (further - ODB) and shall provide:

1) maintaining, viewing and adjustment of information on investors, and also combination of information on remaining balance of means on accounts of one investor;

2) the interface of daily exchange of information between separate divisions and head bank (or between the autonomous automated systems on conducting supplementary transactions, including with use of payment cards, ODB and hardware and software system in head bank);

3) daily consolidation of information on investors at the level of head bank;

4) technical capability of implementation of daily charge and reflection in the database of deposit interests of the physical persons (reduced by tax amount) as of the end of operational day;

5) forming of information for certain date on the signs specified in Item 2 of the Section III of these Rules and its unloadings on electronic and/or papers;

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