Consumer rights

Dear customer, we inform you that your rights can be defended by court, as well as by the Financial System Mediator. In the case of applying to court, the dispute spread between you and ACBA BANK OJSC solves the court. You can apply to court at any stage of examination of the complaint. The decision of the court can not be reviewed by the Financial System Mediator. In the case of applying to the Financial System Mediator the dispute spread between you and ACBA BANK OJSC is being solved by the Mediator by the rules, defined by the RA Law of "Financial System Mediator". The services of Financial System Mediator are free of charge. In the case of having complaints, you first of all have to address to "ACBA BANK" OJSC. ACBA BANK OJSC has to answer to your complaint in 10 working days. After receiving answer from “ACBA BANK” OJSC, You may address to the Financial System Mediator. The Financial System Mediator can not examine your complaint, if 1. After representing the complaint 10 days have not passed and you have not received the answer of the ACBA Bank OJSC or 2. you do not demand money or other property compensation, or 3. the reimbursement, demanded by you exceeds AMD 10 million (or the amount of money equivalent to that), or 4. after receiving the answer of "ACBA BANK" OJSC more than 6 months have passed, or 5. The action or inaction disputed by you took place before August 2, 2008. We have to mention also that the Financial System Mediator can not examine your complaint, if it is being examined by the court (or arbitration tribunal) or there is the verdict of the court (or arbitration tribunal) on the complaint. Dear customer, we inform you that “ACBA BANK” OJSC renounce the right of calling in questions the decisions of Financial System Mediator. It means, that "ACBA BANK" OJSC can’t call in questions by court the decisions, taken by the Financial System Mediator against "ACBA BANK” OJSC.