Measures taken by the Bank for non-fulfillment or improper fulfillment of obligations by the Client under the Credit Agreement.

The Bank shall have the right (unless otherwise provided by the Current legislation or the Credit agreement):

- demand payment of penalties (fines, penalties) in the amount provided for in the Credit Agreement; and/or

- in the order of direct debit to withdraw money, in any currency of the amount of the current and overdue Debt of the Client under the Credit Agreement from any accounts of the Client, except as provided by the Current legislation, opened with the Bank and / or other banks and / or organizations engaged in certain types of banking operations, and other credit organizations, convert the amounts so collected in the currency of the outstanding obligations of the Client at the rates in force in the Bank on the date of conversion at the time of writing off; and / or

- file a lawsuit with the court to recover the Indebtedness with allocation of court expenses, including the state duty and expenses related to court proceedings and other expenses of the Bank to the Customer's account, including by foreclosure of any property of the Customer in accordance with the procedure established by the Current legislation, as well as to foreclose the Collateral out of court or in court; and/or

- to entrust the collection of Indebtedness under the Credit Agreement to third parties (including collection agencies) subject to the provisions of the Current legislation; and/or

- take other measures to protect the rights and legitimate interests of the Bank provided for by the Credit Agreement, the Comprehensive Retail Banking Agreement and the Current legislation.