OFFER

PUBLIC OFFER

for the purchase of digital certificates and the use of the platform n-banking.com Edition of 13.04.2025

This offer (hereinafter referred to as the "Offer") sets out the terms for the purchase of digital certificates and the use of the digital platform n-banking.com (hereinafter referred to as the "Platform"), including access to the bonus program based on NBNC tokens, the ability to exchange cryptocurrencies, and is implemented as part of the activities of Limited Liability Company "NEFTEGAZ OMAROV GROUP" in accordance with the types of activities specified in the charter and the Unified State Register of Legal Entities (EGRUL).

1. General Provisions
1.1. This document constitutes an official offer (public offer) in accordance with Article 437 of the Civil Code of the Russian Federation.
1.2. A physical or legal entity that accepts the terms of this Offer (hereinafter referred to as the "User") is deemed to have entered into a contract with the platform operator (hereinafter referred to as the "Operator"), represented by LLC "NEFTEGAZ OMAROV GROUP".

2. Terms and Definitions
- Digital Certificate — an electronic document issued through the Platform that grants the right to receive NBNC tokens as part of the internal bonus program.
- NBNC Token — a digital asset used within the Platform, not a legal means of payment. NBNC tokens are stored on the User's cryptocurrency wallet connected via Metamask in the Polygon blockchain network.
- Platform n-banking.com — an online service that provides: 
1. Sale of digital certificates;
2. Receipt of NBNC tokens for the certificate;
3. The ability to exchange NBNC cryptocurrency for other cryptocurrencies and vice versa;
4. Provision of auxiliary IT and information services in accordance with OKVED codes 62.09, 63.11.1, and other activities related to financial and digital services.

3. Subject of the Offer
3.1. To ensure the fulfillment of obligations under this Offer, the Operator forms a reserve of assets equivalent to the value of issued NBNC tokens. The reserve may include: foreign exchange assets, precious metals, cryptocurrencies, commodity stocks, or other assets held on the balance sheet of LLC "NEFTEGAZ OMAROV GROUP".
3.2. All transactions are carried out through the User’s Personal Account on the Platform or according to instructions posted on the website.
3.3. The Operator guarantees the absence of any risk of loss for the User’s invested funds when acquiring NBNC tokens — either by purchasing a digital certificate or directly purchasing NBNC tokens on the Platform in exchange for other cryptocurrencies — and the obligation to credit the corresponding amount of tokens to the User's specified wallet. The Operator also guarantees that the User will be able to exchange the NBNC tokens back for no less than the amount invested, minus the commission established in Section 5 of this Offer.

4. Conditions for the Purchase and Activation of the Certificate
4.1. The User pays for the certificate according to the details specified on the Platform and provides the following data: payment receipt, certificate identifier, and NBNC wallet number.
4.2. After payment confirmation or completion of the exchange operation, the NBNC tokens are credited to the User's specified wallet. Currently, the NBNC tokens are stored on the User's cryptocurrency wallet connected via Metamask in the Polygon blockchain network.
4.3. The certificate is not a security, investment product, or financial instrument.

5. Conditions for Cryptocurrency Exchange
The Platform charges a 4% commission on each NBNC token purchase operation. This commission is retained by the Operator as a service fee and is not included in the calculation of the guaranteed refund amount to the User.
5.0. The User has the right to return invested funds through the reverse exchange of NBNC tokens for the cryptocurrency initially used for the purchase, or for another cryptocurrency available on the Platform. If the initial purchase of NBNC tokens was made with rubles (including through a digital certificate or other means), the User has the right to exchange NBNC for cryptocurrency available on the Platform, with the possibility of withdrawal through partner exchange channels.
The Operator guarantees that at the time of the reverse exchange, the User will receive an amount equivalent to the invested funds (minus the commission), or more, depending on the current exchange rate. Thus, the User’s invested funds cannot decrease over time, except for the commission.
The reverse exchange is possible at any time, subject to available liquidity, and is carried out at the current exchange rate.
5.1. The Platform n-banking.com provides the functionality for exchanging NBNC tokens for other cryptocurrencies and vice versa.
5.2. Exchange rates are determined automatically based on the market situation or the internal algorithm of the Platform.
5.3. Exchange does not require identification if the amount does not exceed the thresholds specified in the Platform's AML policy.

6. Legal Status of NBNC Tokens and Investment Restrictions
6.1. The use of the Platform and the purchase of certificates is not an investment activity under current legislation.
6.2. The Platform provides the ability to receive bonuses in the form of NBNC tokens, which have internal value and the ability to be exchanged. The Operator guarantees that the value of NBNC tokens at the time of reverse exchange will not be less than the amount equivalent to the invested funds (excluding the commission), and may increase depending on market dynamics and the internal growth mechanism of their value.
6.3. The Operator takes measures to ensure the stability of the NBNC token’s exchange rate and allows the User to earn income from the growth of the exchange rate or exchange operations, without promising fixed income.
6.4. The Platform complies with anti-money laundering (AML) and counter-financing of terrorism (CFT) policies, and reserves the right to request additional identification and supporting documents from the User if the established limits under internal rules are exceeded.

7. Responsibilities of the Parties
7.1. The User is solely responsible for the accuracy of the data provided.
7.2. The Operator is not responsible for the actions of third parties, transaction errors, and fluctuations in market rates beyond the Platform’s functionality.
7.3. The Operator guarantees the fulfillment of obligations regarding the issuance of certificates, crediting of tokens, and providing exchange operations, provided that the User follows the rules of the Platform.

8. Procedure for Refund and Withdrawal of Funds
8.1. Reverse exchange and withdrawal of funds are carried out exclusively through the Platform interface, with the credited cryptocurrency being sent to the User's connected Metamask wallet. Available cryptocurrencies for exchange are indicated in the Platform interface at the time of the operation. Reverse exchange to Fiat is usually completed on the day of the request. *
8.2. The time for crediting and processing depends on system load and partner channels. The User will be notified of the operation’s confirmation via email or the Platform interface.
9. Other Provisions
9.1. This Offer may be amended by the Operator unilaterally. The new edition comes into force upon publication.
9.2. The time for crediting and processing depends on system load and partner channels. The User will be notified of the operation’s confirmation via email or the Platform interface.

Operator’s details:
LLC "NEFTEGAZ OMAROV GROUP"
TIN: 5018209355
OGRN: 1215000099445
Legal address: 141080, Moscow Region, Korolyov, Cosmonauts Avenue, Building 34b, Room CLII

* In case of force majeure, the exchange period may be extended, but not more than 1 year from the date of NBNC purchase.
Force majeure includes:
– Actions of government authorities (sanctions, blockages, bans),
– Failures in the operation of banks, exchanges, payment systems,
– Technical failures or scheduled maintenance (servers, software, communication),
– Cyberattacks,
– Natural disasters, epidemics, emergencies,
– Military actions, civil unrest,
– Loss of access to liquid assets.