Disclosures LLC "UPS"

4) information on the composition of the supervisory board and executive body of the payment institution:

• Higher - general meetings;
• Executive - General Director, Executive Director.

Last name, first name, patronymic, date of election (appointment) of persons elected (appointed) to the management body of a legal entity, authorized to represent the legal entity in legal relations with third parties, or persons entitled to perform actions on behalf of the legal entity without a power of attorney, including sign contracts and information about the presence of restrictions regarding representation on behalf of a legal entity:

• VELIKANOV EVGEN MYKOLAYOVYCH, 22.07.2013 - head, VELIKANOV EVGEN MYKOLAYOVYCH, 05.01.2012 - signatory;
• NEDILKO OLHA OLEKSANDRIVNA, 23.03.2023 - key person and signatory.

5) information about separate subdivisions of the financial institution:

• no subdivisions;

6) information about licenses and permits issued to the payment institution:

• THE LICENSE OF THE NATIONAL BANK OF UKRAINE "Fund transferring services without opening an account" dated May 1, 2023, No 21/788-рк

7) information on annual financial and consolidated financial statements:

• annual financial statements for 2022; 2021; 2020; 2019; 2018; 2017; 2016; 2015; 2014;

8) information on the initiation of bankruptcy proceedings and the application of the reorganization procedure of a payment institution:

• no cases initiated.

9) Decisions on the liquidation of a payment institution:

• no liquidation decisions .

10) management staff and key persons:

• Chief Executive Officer - Evgeniy VELIKANOV
• Chief Operating Officer - Olha NEDILKO
• Chief Accounting Officer - Artur BELINSKY
• Internal Auditor - Yurii Kryukov
• Head of Financial Monitoring Department - Antonina BAKHINA
• Head of Operations Support Department - Valentyna ROZUM
• Head of Customer Service - Denys ZOTYKOV

11) Technological operator

As part of the IT component function and related work with the technology service provider UNIVERSAL DATA CENTER LLC, EDRPOU 35962030, in accordance with the Agreement on the provision of support services, technical support and maintenance of a complex of software and hardware tools No. П-14-05-05 dated "05" May 2014.

The software, which ensures the acceptance of payments and the provision of financial services for transferring funds, is the proprietary development of UNIVERSAL DATA CENTER LLC. Functionally, the software is divided into separate subsystems in the following areas:

• Payment processing - interaction with acquiring banks and non-bank payment systems.
• Clearing is a subsystem of mutual settlements with clients (merchants) for whose benefit payments are accepted.
• Anti-fraud system for transactions using payment card data.
• The financial monitoring system is a system for combating money laundering and financing the terrorism.
• A system for accounting for payments accepted in favor of clients (merchants).
• Client (merchant) account data management system.
• A system for protecting information and preventing cyber attacks on payment infrastructure.
• Website for servicing payers IPAY.UA, with the help of which payers can make payments and transfer funds.
• Application payment protocols with which clients (merchants) can provide services for accepting payments and transferring funds to payers on their information resources on the Internet.

12) Information on all marks for goods and services (trademarks)

UPS LLC owns the trademark “MONEGO”, registered on August 25, 2015 No. 203207. “MONEGO” is a service for transferring money from any bank or self-service terminals where “MONEGO” is displayed. A website was developed for this service, which is part of the service and provides the ability to make transfers through it https://www.monego.international/ua/cashtocard/. The website is registered and maintained by UDC LLC in accordance with No. П-14-05-05 dated May 05, 2014.

UPS LLC fruitfully cooperates with Universal Data Center LLC (hereinafter, UDC LLC), which is a technology provider and owns the iPay.ua trademark. UPS LLC, in accordance with Agreement No. 1/5-Л, dated May 1, 2014, leases the iPay.ua trademark when providing its own services.

13) Rates

There is no monthly subscription fee. Payment is charged to the payer when making a payment in the form of a commission. The commission varies depending on:

• the company to which the payer makes payment.
• on the type of card used to pay (VISA, MasterCard);

ranges from 0 to 10% of the payment amount.

The commission is displayed on the payment page, after entering the payment data before confirming the payment, or on which the commission is displayed directly when entering the payment amount.

14) Deadlines for transferring funds to recipients

• on the day they are received from the client, in accordance with the Law of Ukraine “On Payment Services” dated 08/01/2022, the Instructions on non-cash payments in national currency for users of payment services, approved by Resolution of the Board of the National Bank of Ukraine dated July 29, 2022 No. 163; Instructions on interbank transfer of funds in Ukraine in national currency, with changes approved by Resolution of the Board of the National Bank of Ukraine dated 01.08.2023 No. 167;

15) The procedure for resolving disputes between participants and users of payment systems

The Payment Institution hereby represents and warrants that any complaint or claim by the Customer, oral or written, which may arise from this Agreement will be reviewed by the Payment Institution. The payment institution will also take any and all necessary measures to satisfy the Client’s complaint or claim, if such a complaint or claim is justified.

According to the Law of Ukraine "On Payment Services", the user of a payment card is considered a client of the issuing bank, and not a participant in payment systems. In the event of a dispute, the payment card user must be guided by the agreement on opening a current account using a payment card, concluded with the issuing bank, and the relevant resolution of the National Bank of Ukraine, which establish certain rules regarding the distribution of responsibility between the issuer and the payment card user under various circumstances.