You will not receive interest or other earnings on the e-money stored at your Balance.

While you may close your Account at any time and without charge, please note that you may still be liable to us after you terminate this Agreement for any liabilities you may have incurred and are responsible for prior to terminating this Agreement.

If you do not object to an Update by closing your Account within the 30 Days' notice period, you will be deemed to have accepted it by conduct.

Please note the following risks of using the Pay Pal Services: (1) E-money transfers received in your Account may be reversed at a later time, for example, if an e-money transfer is subject to a Chargeback, Reversal, Claim or is otherwise invalidated.

IMPORTANT INFORMATION – KEY RISKS AND TERMS This is an important document which you must consider carefully when choosing whether to use the Pay Pal Services.

Table of Fees This User Agreement (the "Agreement") is a contract between you and Limited Liability Company Non-Banking Credit Institution "Pay Pal RU", a credit institution established under Russian law, located at Butyrskiy Val St., 10 125047, Moscow, Russian Federation, and operating under the license of the Central Bank of Russia No. The Agreement applies to your use of the Pay Pal Services and your Account.

Individuals and individual entrepreneurs provided that you: 2.

If you hold a Balance you will not receive interest or any other earnings on the Balance because Russian law forbids paying interest on e-money.

You are not required to keep a Balance at all times, but if you use the Pay Pal Services to make e-money transfer to another User you need to have sufficient Balance in your Account to cover the amount of the transfer (and transaction fees payable to us).

Pay Pal reserves the right to charge a Fee for providing you with additional information or for providing the transaction history and other information about Fees in a different way.