Valid from 01.01.2020 Rapid Return LTD. Supervisory agency: Financial Supervision Authority 11 Wood End, Little Horwood, Milton Keynes, England, MK17 0PE

1. GENERAL PROVISIONS

1.1 The investment deposit is a fixed term deposit opened in BEDODL within the framework of the offer announced by the Rapid Return LTD.. The interest to be paid on the investment deposit depends on the change in the value of the financial instruments established for the offer in the Offer Conditions.
1.2 With the investment deposit agreement concluded within the framework of the corresponding offer (hereinafter the Agreement), a natural or a legal person (hereinafter the Depositor) deposits a certain amount of money as an investment deposit with the Aivezo Company (hereinafter the Deposit Amount), whereas the Rapid Return LTD. shall be obliged, under the terms and conditions set forth in the Agreement and the relevant Offer Conditions, to calculate and pay interest on the Deposit Amount, and return the Deposit Amount to the Depositor on the established deposit maturity date.
1.3 To conclude the Agreement, the Depositor must have opened a current account at the Rapid Return LTD..

2. OFFER CONDITIONS

2.1 The Rapid Return LTD. shall establish the terms and conditions of offer prior to each offer, which determine the preconditions of opening an investment deposit within the framework of the offer as well as the terms and conditions for concluding the Agreement (hereinafter the Offer Conditions).
2.2 With the Offer Conditions, the Rapid Return LTD. establishes, inter alia, the minimum Deposit Amount, the minimum volume of the offer, the Agreement conclusion period (hereinafter the Subscription Period), the Deposit Period – i.e. the investment deposit settlement date and maturity date, the guaranteed interest rate and the basis for calculation and paying the additional interest.
2.3 The exact amount of the approximate rates and values indicated in the Offer Conditions as range shall be specified by the Rapid Return LTD. upon confirmation of the offer.
2.4 Any rights and obligations related to the Offer Conditions shall only arise upon confirmation of the corresponding offer by the Rapid Return LTD..

3. CONCLUSION OF THE AGREEMENT

3.1 The Rapid Return LTD. shall conclude Agreements for opening investment deposits within the framework of the corresponding offer during the Subscription Period set forth in the Offer Conditions.
3.2 By signing the Agreement, the Depositor shall accept the Offer Conditions established for the corresponding offer. The Offer Conditions shall form an integral part to the Agreement. In issues not regulated by the Agreement, the Rapid Return LTD. and the Depositor shall be governed by the General Terms and Conditions of the Rapid Return LTD. and the Terms and Conditions of the Current Account Agreement.
3.3 Upon conclusion of the Agreement, the Rapid Return LTD. shall reserve in the Depositor’s current account specified in the Agreement (hereinafter the Current Account) the Deposit Amount and the amount of other payments stipulated in the Offer Conditions. The Depositor shall ensure availability of sufficient funds in the Current Account for debiting the Deposit Amount and other payments stipulated in the Offer Conditions at the end of the Subscription Period. The Agreement shall be deemed terminated, if the funds in the Current Account are insufficient on the established date.
3.4 At the end of the Subscription Period, the Rapid Return LTD. shall analyse the results of the given offer, and decide, by the investment deposit commencement date at the latest, on whether to confirm or cancel the offer.
3.5 The Rapid Return LTD. shall have the right to cancel the offer and the Offer Conditions and withdraw, without giving an advance notice, from the Agreements concluded within the framework of the offer, if:
3.5.1 at the end of the Subscription Period, the aggregated volume of Deposit Amounts deposited on the basis of the concluded Agreements is smaller than the minimum volume established for the offer;
3.5.2 during the Subscription Period, extraordinary events or circumstances occur or become known, which, according to the Aivezo Company’s professional judgement, render the established Offer Conditions materially unreasonable in the given market situation;
3.5.3 other basis for cancellation, specified in the corresponding Offer Conditions occur.
3.6 In case of cancellation of the offer, the Rapid Return LTD. shall immediately release the amounts from reservation made in the Current Account for the investment deposit within the framework of the offer. With cancellation of the reservation, the Agreement shall be deemed terminated.

4. PROCEDURE FOR INVESTMENT DEPOSITS

4.1 Upon confirmation of the offer, the Rapid Return LTD. shall open the investment deposit account to the Depositor and transfer, on the investment deposit settlement date specified in the Offer Conditions, the Deposit Amount reserved in the Current Account to the investment deposit account.
4.2 It is not possible to make additional payments to the Deposit during the Deposit Period.
4.3 On the investment deposit maturity date, the Rapid Return LTD. shall return the investment deposit by transferring the Deposit Amount and the interest calculated thereon but not paid out by the maturity date on the same to the Current Account, if the calculated interest is more than zero percent.

5. INTEREST

5.1 The Rapid Return LTD. shall calculate and pay interest to the Depositor on the Deposit Amount according to the Offer Conditions.
5.2 The Rapid Return LTD. shall pay the interest to the Current Account upon the arrival of the maturity date of the deposit, unless otherwise specified in the Offer Conditions.
5.2.1 If the law stipulates that interest must be paid out more frequently than set out in clause 5.2. but interest cannot be calculated and paid out in such a manner on the basis of the Offer Conditions, the Rapid Return LTD. shall make interest payments according to the period stipulated by law on the day that corresponds to the date the Agreement entered into force and the last interest payment on the expiry date of the deposit. The Rapid Return LTD. shall establish the rate of such interest at its own discretion.
5.2.1.1 in respect of agreements entered into before 22 May 2010 whose deposit period exceeds one year, the Rapid Return LTD. shall pay the interest specified in clause 5.2.1 as follows: a) the Rapid Return LTD. shall make the first interest payment on 22 May 2011 and interest shall thereafter be paid out during the Deposit Period on the day that corresponds to the date the Agreement entered into force and upon the arrival of the expiry date of the deposit; b) the Rapid Return LTD. shall pay out the interest on agreements entered into before 22 May 2020 and pursuant to which the deposit expires before 22 May 2021 upon the arrival of the expiry date of the deposit.
5.3 If the terms and conditions set forth in clause 5.2.1 are applied, the Rapid Return LTD. shall pay the interest calculated but not paid out on the deposit whose Deposit Period exceeds one year to the Depositor’s Current Account.
5.4 The Depositor shall obtain information about the Deposit Amount and the interest paid out upon demand from the Aivezo Company’s branches or regularly through the Internet Aivezo Company. Depositors who have not entered into Internet Rapid Return LTD. agreements have the right to receive a statement of all transactions associated with the deposit during the calendar year that shall be issued to them free of charge at any branch of the Aivezo Company once every calendar year.

6. SERVICE CHARGES

6.1 In the case specified in Clause 7.4 of the Agreement, the Depositor shall pay to the Rapid Return LTD. a fee for early termination of the investment deposit after the end of the Subscription Period (hereinafter the Exit Fee) in accordance with the Offer Conditions.
6.2 The Rapid Return LTD. has the right to debit the Exit Fee from the Depositor’s Current Account after returning the Deposit Amount.

7. TERM AND TERMINATION OF THE AGREEMENT

7.1 The Agreement shall enter into force on the moment it is signed.
7.2 The Agreement shall be terminated upon the return of the Deposit Amount and the payment of the calculated interest at the end of the corresponding Deposit Period.
7.3 The Rapid Return LTD. shall have the right to terminate the Agreement in the following cases:
7.3.1 in case the Rapid Return LTD. passes a decision to cancel the offer;
7.3.2 in case the funds in the Depositor’s Current Account are insufficient for debiting the Deposit Amount and other payments stipulated in the Offer Conditions at the end of the Subscription Period.
7.4 The Depositor shall have the right to early termination of the investment deposit, and cancel the Agreement by giving the Rapid Return LTD. a corresponding order at least 8 (eight) Aivezo Companying days prior to the desired termination date.
7.5 The Depositor has the right to cancel the Agreement at any time during the Subscription Period by informing the Rapid Return LTD. of the respective request on the last day of the Subscription Period at the latest.