Of the legal entity Lombard Magnit LLP
(hereinafter, the Service Provider)

This public offer (hereinafter, the Offer) is an Agreement concluded between the Service Provider and a user of the services who is an individual (hereinafter, the Customer), and it sets out the terms on which services are ordered and provided using the Service Provider’s resources.

1. GENERAL PROVISIONS

1.1. The Service Provider publishes this Offer as a proposal addressed to individuals in accordance with Articles 395, 396 and 447 of the Civil Code of the Republic of Kazakhstan (hereinafter, the Civil Code). The Service Provider does not provide services to legal entities.

1.2. This Offer, like any Agreement, sets out the essential terms of the relationship between the Service Provider and the Customer (the person who has accepted the Offer).

1.3. This Offer is concluded between the Service Provider and the Customer at the moment an order for services is placed.

1.4. The Offer may be accepted by any individual in the Republic of Kazakhstan who intends to order (obtain) the services provided by the Service Provider in accordance with the list of services shown on the website lombard-magnit.com.

1.5. The Customer accepts all the terms of the Offer unconditionally and as a whole (that is, in full and without exception).

1.6. Upon accepting the terms of this Offer, the individual becomes the Customer.

1.7. Acceptance is the Service Provider’s receipt of a message stating the individual’s intention to order services on the terms proposed in this Offer.

1.8. The Offer, all amendments and annexes to it, and all additional information about the Service Provider’s services are published on the website lombard-magnit.com.

2. STATUS OF THE SERVICE PROVIDER’S WEBSITE

2.1. The website is the property of the Service Provider and is intended for arranging the remote provision of services via the Internet.

2.2. By accepting the Offer (that is, by paying for an order placed on the Service Provider’s website), the Customer receives the services on the terms and in the manner set out in the Service Provider’s Services Agreement published on the website lombard-magnit.com.

2.3. The Service Provider is not responsible for the content or accuracy of information provided by the Customer when placing an order on the Service Provider’s website.

3. STATUS OF THE CUSTOMER

3.1. The Customer is responsible for the accuracy of the information provided when placing an order and for that information being free of third-party claims.

3.2. The Customer confirms agreement with the terms of this Offer by ticking the box “I have read the Agreement in full, I understand all its terms and I agree to all its terms” when placing an order.

3.3. Information provided by the Customer is confidential. By providing personal data, registering on the website or filling in an application, the Customer, through these actions, consents to the processing of their personal data for the purpose of performing the user agreement. The Service Provider uses information about the Customer solely for the purposes of its operations (sending the Customer notifications that an order has been completed, etc.) and in the cases specified in this Offer.

3.4. The Customer obtains the services exclusively for personal, family and household needs not related to business activity. Use of the Service Provider’s website (resource) to view and select services and to place an order is free of charge for the Customer.

4. SUBJECT OF THE OFFER

4.1. On the basis of the Customer’s orders, the Service Provider sells services to the Customer on the terms and at the prices set by the Service Provider on the website or in an agreement between the Customer and the Service Provider, if any.

4.2. Services ordered and paid for by the Customer are provided by the Service Provider or by third parties engaged by the Service Provider to perform its obligations.

4.3. Relations between the Customer and the Service Provider are governed by the Civil Code, the Law of the Republic of Kazakhstan “On Consumer Protection”, and other regulatory legal acts of the Republic of Kazakhstan governing the rights and obligations of the Parties set out in this Offer.

4.4. An individual is deemed to have accepted all the terms of the Offer and its annexes (acceptance) in full and without exception from the moment the Service Provider receives a message stating the Customer’s intention to order services on the terms proposed by the Service Provider. Upon acceptance of the Offer, the individual is deemed to have concluded a Services Agreement with the Service Provider and acquires the status of Customer.

5. PROCEDURE FOR CONCLUDING THE AGREEMENT

5.1. The Customer may place an order independently on the Service Provider’s website, or through the Service Provider’s specialist by the telephone number shown on the website, on the terms of the Services Agreement.

5.2. When placing an order on the Service Provider’s website, the Customer must provide the following details:

• full name;

• IIN;

• agreement number, if the service relates to an agreement;

• the Customer’s contact telephone number.

5.3. The Customer expresses their will by entering the relevant details in the order form on the Service Provider’s website, or by submitting an application through the Service Provider’s specialist.

5.4. The Service Provider does not edit information about the Customer.

5.5. To obtain a paper copy of the Services Agreement, the Customer sends a request to the Service Provider.

6. PRODUCT INFORMATION

6.1. Information about the Service Provider’s services is displayed on the Service Provider’s website by means of images and information that are the property of the Service Provider.

6.2. Each image is accompanied by text giving the name, price and description of the services.

6.3. All information materials on the Service Provider’s website are for reference only and cannot fully convey information about the properties and characteristics of the services. If the Customer has questions about the properties and characteristics of the services, the Customer should contact the Service Provider’s specialist by the telephone numbers shown on the website before placing an order.

6.4. At the Customer’s request, the Service Provider’s specialist must provide (by telephone or by e-mail) any other information that the Customer considers necessary and sufficient to decide whether to order the services.

7. PROCEDURE FOR OBTAINING (ORDERING) SERVICES

7.1. The Customer may place an order for any type of service offered on the Service Provider’s website that does not involve the transfer of property. Each type of service may be ordered in any quantity. Exceptions to this rule are stated in the description of each type of service.

7.2. An order may be placed independently on the website.

7.3. If a service offered on the Service Provider’s website cannot be provided, the Service Provider’s specialist must inform the Customer of this on the Service Provider’s website.

7.4. The time for providing a service is set by agreement of the Parties and/or determined by the Agreement concluded between the Customer and the Service Provider.

8. PRICE OF SERVICES

8.1. Prices on the Service Provider’s website are stated in tenge of the Republic of Kazakhstan.

8.2. The price shown on the website may be changed by the Service Provider unilaterally; however, the price of services already ordered and paid for by the Customer is not subject to change.

8.3. The cost of services is determined by the microloan agreement previously concluded between the Customer and the Service Provider.

8.4. The cost of services at auctions held by the Service Provider is determined by the Auction Rules and by the Customer.

9. PAYMENT FOR SERVICES

9.1. Payment methods and procedure are set out on the website in the “Payment” section. Where necessary, the procedure and terms of payment for an order are agreed between the Customer and the Service Provider’s specialist.

9.2. When paying in cash, the Customer must pay the Service Provider the price of the order at the moment the invoice for the services is issued and handed to the Customer, by handing the money to the Service Provider’s representative.

9.3. Non-cash payment is made under the issued invoice within 3 (three) working days of the date the invoice is issued. Once the funds are received in the Service Provider’s account, the Service Provider’s specialist agrees with the Customer on the time for providing the services. For non-cash payment, the Customer’s obligation to pay the price of the order is deemed performed from the moment the relevant funds are credited to the current account specified by the Service Provider.

9.4. The Customer pays for the order by any method available on the Service Provider’s website.

9.5. Settlements between the Parties when paying for an order are made in tenge of the Republic of Kazakhstan.

10. RETURN OF GOODS

10.1. The Customer may refuse the services in the manner and on the terms provided by the Law of the Republic of Kazakhstan “On Consumer Protection”.

10.2. The Customer may not refuse services that have been performed (provided) properly.

10.3. If the Customer refuses the services, the Service Provider refunds to the Customer the amount paid to the Service Provider under the agreement, less the Service Provider’s expenses.

11. LIABILITY OF THE PARTIES

11.1. The Parties are liable in accordance with the legislation of the Republic of Kazakhstan.

11.2. The Service Provider is not liable for damage caused to the Customer as a result of the Customer’s improper use of the results of services ordered on the Service Provider’s website.

11.3. The Parties are released from liability for non-performance or improper performance of obligations under the Offer for as long as force majeure circumstances continue.

12. OTHER TERMS

12.1. Relations between the Customer and the Service Provider are governed by the rules established by the legislation of the Republic of Kazakhstan.

12.2. Where necessary, the Service Provider and the Customer may at any time execute a services agreement in the form of a written bilateral agreement that does not contradict the provisions of this Offer.

12.3. If the Customer has questions or claims, the Customer should contact the Service Provider at the Service Provider’s location, 30/7 Zhibek Zholy St., Shymkent, and/or by the telephone number shown on the Service Provider’s website.

12.4. This Offer enters into force on the date of its acceptance by the Customer and remains in force until the Parties have fully performed their obligations under it.

12.5. All disputes and disagreements arising in the performance of the Parties’ obligations under this Offer are resolved through negotiations; if they cannot be settled through negotiations, the Parties may refer such disputes to the courts of the Republic of Kazakhstan at the Service Provider’s location.

12.6. The Service Provider reserves the right, at its sole discretion, to expand or reduce the overall range of services on the website, to regulate access to ordering any services, and to suspend or discontinue the sale of any services.

13. ADDRESS AND DETAILS OF THE SERVICE PROVIDER

Name: Lombard Magnit LLP

Legal address: 30/7 Zhibek Zholy St., Shymkent, Republic of Kazakhstan

BIN: 1011 4000 0056