4. Funds depositing to the Customer's trading account.

4.1. The Customer may perform trading operations only at the expense of funds available on the Customer’s trading account.

4.2. Funds transfer to the Company’s accounts shall meet the requirements and take into account restrictions, established by the laws in force and other legal acts of the countries, within the jurisdiction of which the funds transfer falls.

4.3. The Company credits to the Customer's trading account the sum, deposited to the Company's account. The Customer understands and acknowledges and accepts that any commissions and other charges¹, triggered by funds transfer, are paid at the expense of the Customer.

4.4. The funds shall be credited to the Customer’s trading account in the deposit currency, no matter in what currency the transfer is made. If the currency of the transfer differs from the deposit currency the amount of the transfer shall be converted into the deposit currency.

4.5. Currencies, accepted by the Company for crediting to the Customer’s trading account depending on the deposit currency and the Way of depositing, are indicated in Table 1 of Exhibit 2 to these Regulations.

4.6. The exchange rate and fees, as well as other charges for each way of funds depositing, shall be released in the Personal Area and may be changed by the Company.

4.7. The Company shall have the right to impose restrictions on minimum and maximum credited amounts, differentiated depending on the way of depositing.

4.8. The Company shall be obliged not to charge any additional commissions for crediting funds to the Customer’s trading account, except for the commissions and other expenses provided by these Regulations.

4.9. Unless compensating payments², the funds shall be credited to the Customer’s trading account in the following cases:

1. in case the funds, transferred by the Customer or the Customer’s Authorized person, are credited to the Company’s accounts, specified in the Personal Area in the “Bank details” section;
2. in case of funds transfer to the Customer’s trading account from a trading account of the Company’s another Customer;
3. in case of funds transfer to the Customer’s trading account from another trading account of the Customer, opened with the Company;
4. in case the funds, previously transferred to the Customer or the Customer’s Authorized person, are returned back to the Company’s accounts, if the Company fails to contact the Customer to solve promptly a problem situation and the funds are resent.

4.10. Unless compensating payments, the funds shall be credited to the Customer’s trading account on the basis of the Notification of funds depositing to the trading account (hereinafter referred to as the Notification). The Notification shall be considered accepted by the Company if it is displayed in the Customer’s Personal Area in the “Deposits/Withdrawals History” section, and in the Company’s accounting system of customers’ requests.

4.11. If the Customer does not have an opportunity to send a notification from the Personal Area the Company may deposit funds on the basis of the received notification, sent by the Customer to the address of the Payments Department, indicated in the “Contacts” section at the Company’s Web-site.

4.12. The funds shall be credited to the Customer’s trading account within 1 (one) business day, but not later than at the end of the transaction day next to the day when the funds are credited to the Company’s Account, or upon the receiving of the “Instruction to transfer funds to another trading account” in case of funds transfer from another trading account, opened with the Company.

4.13. In case the funds, sent by a bank transfer, are not credited to the Customer’s trading account within 5 (five) business days, the Customer shall have the right to request the Company to make a bank inquiry on the transfer. The Customer understands that the bank inquiry may involve commission costs³, which shall be paid at the expense of the Customer. The way of payment of such expenses shall be defined on an individual basis and may be performed by means of transferring the necessary amount of money to the Company’s accounts or by means of charging the amount from the Customer’s trading account.

4.14. To make an inquiry on a bank transfer the Customer shall make a request in accordance with Clause 9 of these Regulations and provide the following documents to the Payments Department:

1. in case of a bank transfer: a copy of the swift document, confirming the fact of the bank transfer;
2. in case of a bank transfer (RUR): a copy of the payment order, confirming the fact of the bank transfer in the currency of the Russian Federation⁴.

4.15. If the funds, sent by an electronic transfer or by a banking card transfer via the Processing center, are not credited to the Customer’s trading account within 2 (two) business days, the Customer shall have the right to request the Company to make a bank inquiry on the transfer. The Customer understands that the bank inquiry may involve commission costs⁵, which shall be paid at the expense of the Customer. The way of payment of such expenses shall be defined on an individual basis and may be performed by means of transferring the necessary amount of money to the Company’s accounts or by means of charging the amount from the Customer’s trading account.

4.16. To make an inquiry on an electronic transfer or a banking card transfer via the Processing center the Customer shall make a request in accordance with Clause 9 of these Regulations and provide the following documents to the Payment Department:

1. in case of an electronic transfer: the Screenshot of the transfer or payment notification in the payment system, confirming the fact of the transfer to the Company’s accounts;
2. in case of a Banking card transfer via the Processing center: a copy of an identification document and a copy of the Banking card.

1Commissions and other charges (in accordance with the table of charges) of the paying banks, bank-correspondents, electronic payment systems or processing centers, with the help of which the funds are transferred.

2 See Part 8 of the Terms of Business.

3 In accordance to tariffs of the bank

4Under Regulation 2-P CB RF (c. 3.5.) the bank must give a copy of the payment order to the payer.

5In accordance with tariffs of the payment system or processing center.