Public offer

Public offer - proposal addressed to an indefinite number of persons to conclude an agreement, containing all the essential and other conditions under which the agency agreement is concluded between the Parties.

Parties - Agent and Principal.

Agent – Limited Liability Company «Doverka Fintech», a legal entity registered in accordance with the legislation of the Republic of Belarus, with registration number/taxpayer identification number 193855027, with the address of location: Republic of Belarus, 220030, Minsk, Internatsionalnaya St., 38, room 11 (office 36).

User - an individual, a citizen of the Republic of Belarus, a citizen of a foreign state, or a stateless person whose personal law is the legislation of the Republic of Belarus or a foreign state, who has full legal capacity and has completed the registration procedure and is familiarizing himself (intending to do so) with the functionality of the Application.

Principal - an individual, a citizen of the Republic of Belarus, a citizen of a foreign state, a stateless person whose personal law is the legislation of the Republic of Belarus or a foreign state, who has full legal capacity and has undergone the procedure of registration, identification, verification in the Application, is not limited in rights in terms of performing actions and operations, the possibility of which is provided for by the Application, in the manner established by the personal law of the individual, and also complies with the conditions of guarantees and assurances provided for in Section 5 of the Agreement.

Application - the Agent’s information system «DoverkaSEND», consisting of a set of databases, information technologies and a complex (complexes) of software and hardware, through which the Agent provides the Principal with the payment services provided for in this Public Offer, and the Principal has the ability to send an Application for the purpose of making the corresponding Payments.

Registration - the creation by the User of his/her Profile in the Application for the purpose of using the functionality of the Application by following the sequence of actions established by the Agent to fill out the relevant registration form, as well as providing the information required for registration in the amount requested by the Agent.

Identification - set of measures to establish data about the User in the Application (in the information system of the Agent's partner performing the functions of an identification agent, if the Agent engages one) by providing information necessary for identification and (or) information necessary for further verification in the volume requested by the Agent.

Verification - set of measures for the Agent to confirm the authenticity of the data provided by the User during the identification procedure in the Agent Application.

Profile - a part of the Agent Application that contains a set of data about the User and also allows for the implementation of an interactive partial demonstration of the functionality of the Agent Application without its direct use.

Personal Account - a part of the Agent Application containing a set of data about the Principal, allowing for an interactive partial demonstration of the Application's functionality without its direct use, as well as direct use of the Application's functionality in full.

Balance - integral part of the Agent Application, reflecting information necessary for the Principal to make Payments, including information on payment transactions made by the Principal to the Agent.

As part of the Balance display, the Agent provides services for storing and providing payment information, account status, and other information related to payments, payment transactions, and/or accounts.

Application - instruction from the Principal, submitted electronically using the Application's functionality, containing all essential and other conditions for the Agent to execute a Payment. An Application becomes an integral part of the Agreement once submitted by the Principal and confirmed by the Agent. The terms of an Application accepted by the Agent take precedence over the terms of this Agreement.

An Application can be generated in the Application in various forms, depending on the type of Payment being made.

Payment - process of fulfilling by the Agent of monetary obligations arising on the basis of the Principal’s Application, using the relevant payment instruments and/or means of payment.

Recipient - an individual, legal entity or sole proprietor, in whose favor (according to whose details) the Principal makes a Payment based on the Application.

1. General Provisions

1.1. This document is a Public Offer in accordance with Article 405, paragraph 2 of the 407 of the Civil Code of the Republic of Belarus, and defines the mutual rights and obligations, the grounds for their occurrence, the conditions and procedure for the relationship between the Agent (limited liability company «Doverka Fintech», which is a legal entity registered in accordance with the legislation of the Republic of Belarus (TIN 193855027) and included by the National Bank of the Republic of Belarus in the Register of payment service providers and types of services provided by them (administrative decision dated 18.08.2025, registration number of the payment service provider 112.193855027.0-0-3-4-0-0-0-8-9), represented by the director Migdalev D.V.) and the Principal, who intends to conclude an agency agreement with the Agent (hereinafter referred to as the Agency Agreement, the Agreement), who accepted the Public Offer to conclude the Agency Agreement.

1.2. The rights and obligations of the Parties arise under the terms of the Agency Agreement from the moment the Principal accepts this Public Offer.

1.3. Acceptance of this Public Offer, as well as all documents attached to the Agreement, which are appendices (an integral part) of the Agreement, is constituted by the completion of the following sequential legally significant actions:

- Profile registration by the User by filling in the appropriate fields of the registration pop-up window and checking the boxes indicating their agreement with the registration terms (including their agreement with the terms of the Public Offer) in the Appendix;

- Completion of the identification and verification procedures by the User.

The above actions constitute an unambiguous expression of intent aimed at concluding an Agreement with the Agent.

1.4. By accepting this Public Offer, the Principal fully accepts and agrees to the terms of the Agreement, as well as the terms of the documents constituting appendices and integral parts of the Agreement, located in the Appendix.

1.5. The Agreement concluded by the Principal by accepting this Public Offer is an adhesion agreement concluded in accordance with the procedure established by Article 398 of the Civil Code of the Republic of Belarus, the terms of which are defined and may be accepted by the Principal only by adhering to the proposed Agreement as a whole.

1.6. By accepting this Public Offer, the Principal confirms the conclusion of the Agreement in writing in accordance with paragraphs 2-3 of Article 404 of the Civil Code of the Republic of Belarus.

1.7. The Agent may amend (supplement) the terms of the Agreement, as well as any appendices thereto, independently, without further approval and/or notification to the Principal, by posting a new version of the relevant document in the Agent's Appendix. The Parties agree that the Principal is responsible for promptly receiving information about any amendments (supplements) made by the Agent to the Agreement and other documents constituting an appendix thereto by reviewing the relevant amendments (supplements) in the Agent's Appendix.

1.8. The absence of a written refusal by the Principal to perform the Agreement under the new (amended, supplemented) terms and conditions by the Agent constitutes the Principal's acceptance of the relevant agreement in its new version.

2. Validity of the Public Offer.

The Principal has fully read and agrees to the terms of the documents posted in the Agent's Application, and also confirms that they have read (prior to entering into transactions with the Agent) and agree to the information posted in the Agent's Application

3. Terms of the Agency Agreement.

The Parties enter into an Agreement in accordance with the Public Offer of Doverka Fintech LLC, which defines the procedure for the provision of services by the Agent, mutual rights, obligations, and the relationship between the Agent—Doverka Fintech LLC, a legal entity registered in accordance with the legislation of the Republic of Belarus and included in the Register of Payment Service Providers and the types of services provided by the National Bank of the Republic of Belarus (administrative decision dated August 18, 2025, payment service provider registration number 112.193855027.0-0-0-4-0-0-0-0), represented by Director Dmitry Vladimirovich Migdalev, acting on the basis of the Charter, and the Principal, who instructs the Agent in accordance with the Agreement and who has accepted the Public Offer to enter into the Agreement.

The Parties enter into the Agreement on the following terms:

II. TERMS OF THE AGENCY AGREEMENT

1.1. In accordance with the terms of this Agreement, the Agent undertakes, on behalf of and at the expense of the Principal (or on its own behalf, but at the expense of the Principal), to make Payments initiated by the Principal by sending an Application in the Application interface, and the Principal undertakes to pay the Agent remuneration and provide the funds necessary and sufficient to execute the order stipulated by the Application.

1.2. The rights and obligations under a specific order specified in the Application, executed (being executed) by the Agent in accordance with the terms of this Agreement, arise directly with the Principal.

1.3. The Agent shall commence the performance of the assigned actions upon acceptance of the Principal's Request for the execution of a specific assignment. The Agent shall notify the Principal of the acceptance of the Request by displaying the relevant information in the Principal's Personal Account.

The Agent reserves the right to refuse acceptance of the Request if it is determined that its execution is impossible.

1.4. The Agent is obligated to execute the Principal's order specified in the Application within the timeframe specified in the Application. If the execution timeframe is not specified in the Application, the Agent must execute the order no later than two (2) banking days from the date of acceptance of the Application.

1.5. The Parties have the right to unilaterally refuse to execute the Request prior to its actual execution by the Agent. The Parties' refusal to execute the Request (or any individual order) does not entail the termination of this Agreement as a whole.

1.6. As part of the execution of this Agreement, the Agent has the right to engage third parties (including subagents) to fulfill the assignment stipulated by the Principal's Request. No additional consent (or other approval) from the Principal is required to engage third parties (including subagents) to fulfill the Principal's Request.

1.7. The Parties interact in the Application in the manner specified by one of the following options (Payment types):

1.7.1. «QR».

The Principal, by clicking the "QR" button and scanning the appropriate payment instrument (QR code) of the Recipient, generates an Application and instructs the Agent to make a Payment in favor of the Recipient using the details specified by the Principal.

After receiving the Application generated by the Principal, if the Payment can be made, the Agent provides the Principal with information on the material and other terms of the Payment, including the amount of the retained fee.

After receiving the generated information from the Agent regarding the Payment being made, the Principal clicks the "Pay" button, thereby agreeing to all the terms of the Payment (the terms of the agreed Application).

The Agent reserves the right to refuse to accept the Application if it cannot be executed, including for reasons related to restrictions of payment systems, counterparty banks, or legal requirements.

1.7.2. «Transfer».

The Principal, by clicking the "Transfer" button and completing the subsequent steps to fill in the fields of the pop-up windows in the Application, specifies the required Recipient details, thereby instructing the Agent to make the Payment (generates an Application).

After receiving the Application generated by the Principal, the Agent, if it is possible to make the Payment, provides the Principal with information on the material and other terms of the Payment, including the amount of the retained fee.

After receiving the generated information from the Agent regarding the Payment being made, the Principal clicks the "Pay" button, thereby agreeing to all the terms of the Payment (the terms of the agreed Application).

The Agent reserves the right to refuse to accept the Application if it cannot be executed, including for reasons related to restrictions of payment systems, counterparty banks, or legal requirements.

1.7.3. «Replenishment».

By clicking the "Top Up" button and completing the subsequent steps to fill in the pop-up windows in the Application, the Principal specifies the amount to be topped up, as well as the details of the debit source. This creates a Balance Top-Up Request and credits funds to the Agent's designated bank account for subsequent use in making Payments as provided in subparagraphs 1.7.1 and 1.7.2 of this Agreement.

As part of the Balance Top-Up process, the Agent provides storage services, including provision of payment information, account status information, and other information related to payments, payment transactions, and/or accounts.

The Agent reserves the right to refuse the Top-Up Request if it cannot be executed, including for reasons related to restrictions imposed by payment systems, counterparty banks, or legal requirements.

The funds transferred under this subparagraph are not a commercial loan and are not subject to interest.

1.8. The Principal has the right to carry out settlements stipulated by this Agreement using funds (Balance) previously credited to the Agent or sources of debiting funds available for use in the Application (details of the debit sources must be specified by the Principal in the relevant fields of the Application interface).

1.9. The Agent reserves the right to unilaterally set minimum and maximum limits for Payments in the Application.

When the Principal creates an Application, the Principal is obligated to take into account the possibility of the Agent applying minimum and maximum limits when making Payments in the Application.

If the Principal fails to comply with the limits, the Agent reserves the right to refuse the Principal's Application.

2.1. To submit Applications, the Principal independently completes the registration, identification, and verification procedures in the Application by creating their Profile and Personal Account, following the sequence of actions established by the Agent for completing the relevant form, and providing the necessary information in the amount requested by the Agent.

2.2. The Principal may only create a Profile or Personal Account after reviewing and accepting all terms of the Public Offer and Agreement, including the terms of the documents posted in the Appendix and forming an integral part of the Public Offer and Agreement. Confirmation of the Principal's acceptance of such terms is confirmed by checking the appropriate boxes in the registration form, completed when creating a Profile or Personal Account.

2.3. The Agent reserves the right to change the form and scope of information provided by the Principal in order to comply with legal requirements, as well as to obtain the Principal's free and unambiguous consent to carry out any actions (sending Applications, providing documents and information, exchanging information, sending notifications and advertising, etc.).

2.4. The Principal undertakes to independently ensure the security and safety of the password and other data specified when creating the Profile and Personal Account, while the Principal independently determines the procedure for storing the specified information (data) and takes measures to prevent unauthorized access to and use by third parties.

2.5. In the event of loss, compromise, or unlawful access by third parties to the information (data) provided by the Principal when creating a Profile or Personal Account, the Principal is obligated to immediately notify the Agent so that the Agent can take the necessary measures. Until such notification is received, all actions performed using the Profile or Personal Account are considered to have been performed by the Principal.

2.6. The Principal may not create two or more Profiles (Personal Accounts) in the Application. If the Agent has reason to believe that the Principal has violated this prohibition, the second and subsequent Profiles and Personal Accounts associated with the Principal by the Agent will be blocked by the Agent.

2.7. If the Agent has sufficient grounds to believe that the Principal's actions (or inactions) in the Profile or Personal Account may be related to activities inconsistent with the Agreement, the Agent's internal documents, or current legislation, including illegal activity, fraudulent actions, etc., the Agent reserves the right to suspend (restrict functionality and access to) the Principal's Profile or Personal Account until the completion of the relevant investigation.

Based on the results of the internal investigation, if the Agent decides to refund funds, the Agent (upon the direct account or card holder's written request to the Agent, along with documents confirming the need for a refund) will refund funds exclusively to the original accounts or cards from which the Agent received the funds, and will resume the operation of the Principal's Profile or Personal Account.

3.1. In order for the Agent to fulfill its obligations under the Application accepted in the manner established by this Agreement, the Principal shall transfer to the Agent's account specified in the Application the necessary and sufficient amount of funds in the currency agreed upon by the Parties in the Application to fulfill the Principal's order.

3.2. If the currency of the funds to be transferred from the Principal to the Agent in the Application differs from the currency of the funds to be transferred by the Agent to the Recipient, settlements shall be made at the exchange rate established by the Parties in the relevant Application.

3.3. Simultaneously with the Principal's transfer of the amounts required for the Agent to make the Payments specified in paragraphs 1.7.1 and 1.7.2, the Principal transfers the Agent's remuneration as an advance payment (excluding VAT, paragraph 1.56, Article 118 of the Tax Code of the Republic of Belarus). The amount of the Agent's remuneration is specified in the Application. The advance payment amount is not a commercial loan and is not subject to interest.

The remuneration amount includes the Agent's remuneration for executing the order and all expenses incurred by the Agent in executing the order, including, but not limited to: bank commissions, exchange rate differences, remuneration of third parties engaged by the Agent, and other expenses.

3.4. The Agent shall transfer funds to the Recipient specified by the Principal in the relevant Application in the amount, timeframe, and to the details specified in the Application. The Agent shall not be liable for the veracity and accuracy of the Recipient's details specified by the Principal in the Application.

3.5. Funds are considered received by the Agent on the date and time they are credited to its bank account. Bank charges are borne by the payer (OUR).

3.6. The Agent's proper execution of the order specified in the Request is deemed to be the date the funds are credited to the Recipient's bank account (or the obligation is fulfilled by another means, including non-monetary, subject to a corresponding agreement with the Payment Recipient).

No later than the business day following the day on which the Agent executed the order specified in the Request, the Agent shall provide the Principal with confirmation of the Payment execution by displaying the relevant information in the Personal Account and/or sending an electronic message containing information about the Payment made.

3.7. If the Agent is unable to fulfill the order for which the Request was generated, the Agent is obligated to inform the Principal of the circumstances within 1 (one) business day via the Appendix.

Within 1 (one) business day of receiving the relevant information from the Agent, the Principal is obligated to amend the Request or withdraw it.

No later than 3 (three) business days of receiving the Principal's withdrawal of the Request, the Agent is obligated to refund (by reflecting and recording the funds within the Balance or by crediting the funds to the Principal's bank account (subject to agreement between the Parties)) the funds transferred by the Principal to fulfill the relevant order, including the amount of the remuneration transferred to the Agent, provided the said funds are available in the Agent's account. The refund of funds transferred by the Principal to the Agent and available in the Agent's account is made minus the bank commission for the Payment (if charged by the bank). The amount of money transferred to the Agent and subject to return (in accordance with this clause) is not a commercial loan. No interest is charged on this amount for the use of someone else's funds.

3.8. If the Request cannot be executed due to circumstances beyond the Agent's control (e.g., the inability of the Recipient or the Recipient's bank to accept funds, the Principal providing incorrect details, etc.) and there are no funds in the Agent's account, the deadline for the return of funds shall be additionally agreed upon by the Parties, taking into account the deadlines set by non-resident banks for the execution of Payments. The Agent shall return to the Principal the funds (by reflecting and accounting for funds within the Balance or by crediting funds to the Principal's bank account (subject to agreement between the Parties)), transferred by the Principal to the Agent for the execution of the order, less the withheld amounts of all Agent expenses incurred in making Payments. The amount of funds transferred to the Agent and subject to return (in accordance with this clause) is not a commercial loan. Interest for the use of third-party funds shall not be charged on this amount.

3.9. If the Agent has properly executed a Payment in response to the Principal's accepted Application, but subsequently circumstances arise that constitute grounds for the Recipient to return previously transferred funds (including due to failure to provide a service, failure to deliver a product, improper fulfillment of obligations by the Recipient, or other grounds stipulated by applicable law or the agreement between the Principal and the Recipient), and such funds have been received into the Agent's account from the Recipient (or from another person on the Recipient's instructions), the Agent shall return the said funds to the Principal, provided that the Agent identifies such funds as belonging directly to the Principal (including on the basis of documents provided by the Principal).

The Agent shall return the funds by reflecting and accounting for such funds within the Principal's Balance or by crediting the funds to the Principal's bank account (subject to an agreement between the Parties).

In this case, the Agent will deduct from the refunded amount the actual costs incurred in connection with the refund (including bank fees, exchange rate differences, and other expenses).

The Agent's fee deducted for the initial Payment is non-refundable.

The Recipient and Principal independently determine the grounds and rules for refunding funds in accordance with the agreement between the Principal and Recipient and applicable law.

3.10. By entering into the Agreement, the Parties agreed that the price of the Agreement is the sum of the Payments made by the Principal.

At the time of entering into the Agreement, the Parties agreed that the Agreement, «as is» was concluded for a price not exceeding 2,000 base units.

If, upon the Principal's making of Payments, the total amount exceeds 2,000 base units, the Agreement between the Principal and the Agent will be deemed concluded for a price exceeding the aforementioned amount, from the date on which such price is exceeded.

The currency of the Agreement is determined based on the Principal's residency:

1) If the Principal is a resident of the Republic of Belarus, the currency of the Agreement is the Belarusian ruble;

2) If the Principal is a non-resident of the Republic of Belarus, the currency of the Agreement is the Russian ruble.

3.11. The Agent shall ensure the ability to identify the purpose of the funds received by the Agent from the Principal, i.e. the ability to unambiguously determine the Application within the framework of which the Principal transferred these funds to the Agent.

3.12. The Agent unilaterally refuses to make Payments (financial transactions) to the Principal in cases established by the Law of the Republic of Belarus dated June 30, 2014 "On measures to prevent the legalization of proceeds from crime, the financing of terrorist activities and the financing of the proliferation of weapons of mass destruction" and other legislative acts, local regulations of the Agent, as well as if the Agent has sufficient grounds to believe that the Principal refuses to provide the Agent with its additional identification data, as well as a document confirming the source of origin of funds.

3.13. When making Payments under this Agreement, the Principal is obligated to use only those current (settlement) bank accounts and bank payment cards that belong to the Principal personally.

If the Agent discovers that the Principal has violated the requirements of this clause, the Agent has the right to refuse to execute the relevant Request, suspend the Principal's Personal Account, and, in the case of repeated violations, to terminate the Agreement unilaterally and out of court.

AGENT'S REPORT

4.1. The Agent is obligated to:

4.1.1. accept funds transferred by the Principal into its bank account and carry out (or organize the implementation of) the subsequent execution of the Request (including ensuring the crediting of funds to the account of the Payment Recipient specified in the Request);

4.1.2. maintain records of payments accepted by the Agent;

4.1.3. store and provide information on payments, account status, and other information related to payments, payment transactions, and/or accounts.

4.2. The Agent has the right to:

4.2.1. demand that the Principal provide complete, accurate, and sufficient information and documents necessary to execute the order specified in the Application;

4.2.2. not commence execution of the Principal's order until the full amount of funds specified in the Application (including the Agent's remuneration) has been deposited into the Agent's account.

4.3. The Principal is obligated to:

4.3.1. notify the Agent of any changes to bank details and other information relevant to the execution of this Agreement no later than three (3) calendar days from the date of the relevant changes;

4.3.2. provide all complete, accurate, and sufficient information and documents necessary for the execution of the order specified in the Application;

4.3.3. promptly pay the Agent all amounts due, including the Agent's remuneration, in the manner and within the timeframes established by this Agreement and the Application.

4.4. The Principal has the right to cancel an issued Request by notifying the Agent of the cancellation within 1 (one) business day of the Request's creation by the Parties, provided that the Agent has not commenced its execution. If notification of cancellation of the relevant Request is received later than the deadline specified in this clause, such Request is not subject to cancellation.

4.5. Within three (3) business days from the execution date of the order specified in the Request, the Agent shall provide the Principal with an Agent's Report on the execution of the order (Appendix No. 1 to this Agreement), using the Personal Account interface. This Report shall contain information on the Payments made by the Agent and the amount of the retained fee.

If the Principal has no substantiated objections within one (1) business day from the date the Report is generated in the Personal Account, the Report shall be deemed accepted by the Principal.

The Agent shall prepare a primary accounting document (hereinafter referred to as the PAD) confirming the provision of services under this Agreement, solely (based on Resolution No. 13 of the Ministry of Finance of the Republic of Belarus dated February 12, 2018, "On the Sole Preparation of Primary Accounting Documents").

The Agent's Report shall serve as the basis for preparing the PAD.

5.1. By entering into the Agency Agreement, the Principal guarantees to provide the Agent with complete and accurate data, including personal data necessary and sufficient for identification and verification, and also represents and warrants the following:

- The Principal is a legally competent and capable person, and is not limited in legal capacity by any means established by the legislation of the Republic of Belarus (or any other state, if applicable);

- The Principal does not reside in, is not located in, or is a resident of any country included by the Agent in the list of prohibited jurisdictions;

- The Principal is not included in the list of individuals involved in extremist and/or terrorist activities;

- The Principal is not included in sanctions lists (OFAC, EU, UN, etc.), and is not a person subject to personal sanctions; If the Principal is included in the specified lists, the Principal undertakes to notify the Agent of such inclusion on the sanctions lists and the application of personal sanctions no later than the day the relevant fact occurs, and recognizes any improper fulfillment of the above obligation as a material breach of the terms of the Public Offer and the corresponding Agreement;

- the Principal has read all documents posted in the Appendix that constitute the Agency Agreement and its appendices, and understands the principles of interaction between the Agent and the Principal when performing actions in accordance with the Agreement;

- the Principal submits the Application independently and in their own interests, without any unlawful participation or influence of third parties;

- the Principal has never previously had a Personal Account blocked by the Agent;

- the Principal has not previously allowed, does not allow, and does not intend to allow any instance(s) of abuse of the functionality of the Application;

- The Principal, who is not a resident of the Republic of Belarus, in addition to everything listed in this clause of the Agreement, guarantees and is liable for the damage caused to the Agent due to the unreliability of such guarantees, that the establishment of relations between the Principal and the Agent, the exercise of his rights and the performance of obligations under the terms of the Agreement and its integral parts do not in any way contradict the legislation of the state of which the Principal is a citizen (subject) and (or) on the territory of which he has a permanent place of residence in accordance with a residence permit (or an equivalent, similar document).

5.2. In addition to the representations and warranties set forth in paragraph 5.1 of this Agreement, by concluding the Agency Agreement, the Principal guarantees and represents that, when making Payments, the Principal will use current (settlement) bank accounts belonging to such Principal.

5.3. In the manner specified by this Agreement and its integral parts, for the purpose of fulfilling obligations under the Agreement, the Agent shall request from the Principal the necessary data, including the personal data of the Principal, the composition and scope of which shall be determined based on the requirements of the legislation of the Republic of Belarus.

5.4. The Agent shall, in the manner prescribed by the Public Offer, the Agreement and the legislation of the Republic of Belarus, carry out identification and verification of the Principal.

5.5. By providing information about itself and assurances, including in accordance with this section of the Agreement, the Principal shall be liable for any damage caused to the Agent due to the unreliability of the assurances.

6.1. The Agent shall take all measures stipulated by both the legislation of the Republic of Belarus and the Agent's internal local regulations to protect data, including the Principal's personal data, in accordance with the Law of the Republic of Belarus dated May 7, 2021, No. 99-Z "On the Protection of Personal Data."

The Principal, among other rights granted to it by the Agent and the legislation of the Republic of Belarus regarding the protection of personal data, has the right to contact the Agent at any time and:

- impose restrictions on the processing of their personal data in the manner established for this purpose by the Agent's internal rules and the legislation of the Republic of Belarus;

- demand that the Agent correct any errors (inaccuracies) in their personal data;

- demand that the Agent delete (destroy) the personal data held by the Agent in accordance with the procedure established by the legislation of the Republic of Belarus;

- demand that third parties to whom the personal data has been transferred be notified of the correction of all errors (inaccuracies) in the personal data and the fact of its deletion (destruction) in accordance with the procedure established by the Agent's internal rules and the legislation of the Republic of Belarus;

- object to the processing of personal data;

- not be subject to decisions made solely on the basis of automated processing of personal data;

- receive transparent information on the procedure for exercising the above rights in the manner and within the timeframes stipulated by the legislation of the Republic of Belarus.

6.2. The Principal is obligated to notify the Agent of any changes to the data (information) previously provided to the Agent for identification and verification purposes within three business days from the date of the relevant changes.

The Agent is obligated to promptly correct such data.

The Principal shall be liable for and bear the costs of any failure to notify the Agent within the notification period.

6.3. The Parties undertake to maintain the confidentiality of data and information received in connection with the execution of this Agreement.

7.1. The Agreement is concluded and comes into force on the date of acceptance by the Principal and is valid until the Parties have fully fulfilled their obligations under the Agreement.

7.2. Early termination of the Agreement shall be permitted by agreement of the Parties, as well as by extrajudicial unilateral refusal to fulfill obligations under the Agreement by either Party, in cases provided for by the Agreement.

7.3. Upon termination of the Agreement, the financial obligations of the Parties that arose prior to its termination shall remain in force until they are fully fulfilled by the Parties.

8.1. The Parties shall be released from liability for failure to fulfill their obligations under the Agreement if such failure was caused by force majeure circumstances that could not be foreseen and prevented by the Parties, in particular: natural disasters, actions of state and other authorized bodies and organizations, military actions, blockades, epidemics, strikes, civil unrest, military actions, power failures, power supply failures, the issuance of restrictive and/or prohibitive legislative acts, internet failures, terrorist acts, as well as disruption of the normal functioning of software, security breaches or cyberattacks; illegal acts of third parties, etc.

The Party that is unable to fulfill its obligations under the Agreement due to force majeure circumstances shall notify the other Party in writing within 10 (ten) calendar days of the onset of such circumstances and obligations, the fulfillment of which will be postponed for the duration of these force majeure circumstances.

8.2. The Agent does not guarantee uninterrupted access to the Application, including the uninterrupted processing of Payments, in the event of any force majeure circumstances occurring to the Agent or third parties engaged to fulfill the Agent's obligations under the Agreement.

The Agent shall bear no liability for the failure to process Payments properly, for any errors, delays, or failures, including technical ones, during the processing of Payments, or if a Payment cannot be initiated, processed, or completed if operation of and/or access to the Application is interrupted due to force majeure.

8.3. The Agent has the right to temporarily suspend the operation of its information system, either with or without notice to the Principal, at its own discretion, in the event of maintenance work (exclusively for the duration of maintenance work), force majeure circumstances, or in other cases stipulated by the Agreement.

9.1. The legislation of the Republic of Belarus shall apply to the relations of the Parties under the Agreement and to the interpretation of the Agreement.

9.2. Any dispute, disagreement or claim arising out of or in connection with the Agreement, in particular concerning its execution, breach, termination or invalidity, shall be resolved in the court at the location of the Agent.

9.3. Compliance with the pre-trial dispute resolution procedure is mandatory. The Party receiving the claim is obligated to review it and respond to it within 20 (twenty) calendar days of receipt. The pre-trial dispute resolution procedure is considered to have been complied with if the Party submitting the claim does not receive a response or receives a full or partial denial of the claim.

10.1. The Parties acknowledge the legal force of documents and information transmitted via email, agreed-upon instant messengers, the Personal Account, or other electronic channels (including through the exchange of scanned documents, without additional hard copy). The Parties mutually acknowledge the equal legal force of a handwritten signature, a facsimile signature (reproduced mechanically using a stamp), and an equivalent of a handwritten signature that ensures the identification of the party (scanning of a handwritten signature using technical devices) on documents relevant to the conclusion, execution, or termination of the Agreement.

10.2. The Agent prohibits Payments (financial transactions) with Principals:

- for whom the Agent has reason to believe that, during their interactions with the Agent, they are committing a crime or taking measures to conceal a crime;

- who have been included in the list of individuals involved in terrorist activity;

- for whom the Agent has sufficient grounds to believe that, during their interactions with the Agent, they are laundering proceeds of crime and/or engaging in criminal activity;

- for whom the Agent has grounds to take the specified measures based on the Agent's local regulations and the legislation of the Republic of Belarus.

10.3. If the Agent receives reliable information, including but not limited to, from authorized government agencies, banks, credit and financial institutions, payment system operators, law enforcement agencies, or from the Principal itself, regarding unauthorized payment transactions using the Personal Account and/or funds accounted for by the Principal in the Application, the Agent has the right to:

a) suspend the Principal's Personal Account and restrict the Principal's access to the Application;

b) suspend the execution of any pending Requests by the Principal;

c) block the Principal's Personal Account and completely disable access to the Application.

The Agent will inform the Principal of the measures taken by sending a notification to the email address specified during registration. The Principal's access to the Agent's information system will be restored in a manner determined by the Agent, based on the results of an internal audit and/or upon receipt of relevant information (instructions) from authorized bodies.

10.4. The Agent has the right to suspend the Principal's access to the functionality of the Application in whole or in part in cases where the Principal has committed abuse of the functionality of the Application (use of the functionality of the information system without intent and/or the fact of performing the corresponding legally significant actions).

10.5. The Agent has the right to unilaterally terminate the Agreement at any time if it is discovered that the Principal is systematically carrying out suspicious financial transactions.

10.6. The Agent has the right to refuse to perform the Agreement unilaterally by notifying the Principal thereof and by executing the Applications received from the Principal prior to such notification, in the manner and under the conditions stipulated by the Parties in the Agreement.

10.7. The Principal has the right to terminate the Agreement after fulfilling its obligations thereunder by terminating (cancelling) the operation of its Profile and Personal Account.

10.8. The Agent reserves the right to unilaterally amend the terms of this Agreement and its integral parts. Amendments and additions shall be made by the Agent and shall take effect from the date of their publication in the Appendix.

10.9. The Agreement is drawn up in English and Russian. In the event of any discrepancies between the English and Russian versions of the Agreement, the Russian version shall prevail.

10.10. In the event of any disputes, questions requiring clarification, or circumstances related to the execution of Payments, as well as in other cases stipulated by the Agreement and the legislation of the Republic of Belarus, the Principal has the right to contact the Agent's support service.

Submissions may be made through the functionality of the Principal's Personal Account, including sending an electronic message through the designated forms (fields).

The Agent undertakes to ensure that such submissions are reviewed within a reasonable time, but no later than 2 (two) business days from the date of receipt.

«…» … 2026

In accordance with the Public Agency Agreement (placed in the Application) and Application No. … dated …, agreed upon between Doverka Fintech LLC (the “Agent”) and … (the “Principal”), the Agent has performed the following actions in the interests and at the direction of the Principal:

1. Payment Type, Application Number: …

2. Recipient (recipient details): …

3. Payment amount: … (currency) equivalent … (currency) (rate …).

4. Agency fee: … (currency) equivalent to … (currency) (rate …).

Without VAT (subclause 1.56 of article 118 of the Tax Code of the Republic of Belarus).

By signing this Report, the Principal confirms that the Agent has performed actions in the interests of the Principal and that the report has been accepted without comment.

Principal: …

Agent: Doverka Fintech LLC …