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Possible consequences for the client in case of using a banking service or failure to fulfill his obligations under the agreement on the provision of this banking service:

- accepting the conditions of the public offer on the rules and conditions for the provision of banking services for customers - individuals and the terms and conditions of a bank account provided for in the agreement, operations on which can be carried out using electronic means of payment, the client undertakes to pay for the relevant banking services in accordance with the Bank's tariffs;

- in case of violation of the terms of the agreement and in cases determined by the terms of the agreement, the bank has the right to suspend (temporarily) all or individual operations on and / or block the card, refuse to serve the client;

- in accordance with the norms of the current legislation of Ukraine, income received by the client in accordance with the terms of the Bank Account Agreement, transactions on which can be carried out using taxable electronic means of payment.

The bank is prohibited from requiring the customer to purchase any goods or services from the bank or a related or related person as a prerequisite for the provision of these services (except for the provision of a package of banking services).

The Bank does not have the right to unilaterally amend the agreements concluded with clients, unless otherwise provided by the agreement or the law.

The client has the right to withdraw from the contract for the provision of financial services, if such a right is provided for in the terms of the contract, but before the start of the provision of any service under such contract and before the start of the provision of service under any other contract that is related to the fulfillment of obligations under the contract for the provision of financial services, from which the Client intends to withdraw. The client may exercise his right to withdraw from the contract for the provision of financial services by submitting an application to the Bank to terminate the contract for the provision of financial services.

The Bank's clients have the right to refuse to receive advertising materials by means of remote communication channels.

Possible consequences for the Client in case of using the banking service or non-fulfillment of obligations under the agreement on the provision of this banking service:
- accepting the terms of the public offer on the rules and conditions of banking services (hereinafter - the Agreement) for Customers - individuals and the terms of the bank account agreement, transactions which may be carried out using electronic means of payment, the Client undertakes to pay for relevant banking services Bank's tariffs;
- when obtaining a loan from the borrower there are costs in the form of interest, commissions and other payments for the Bank's services, in accordance with the terms of the Agreement;
- in case of late repayment of credit debt or other violations of the terms of the Agreement, the borrower may be subject to penalties in accordance with the terms of the Agreement;
- in case of improper fulfillment by the borrower of its obligations under the terms of the Agreement, the Bank has the right to apply to the relevant state authorities in order to meet its requirements, including compulsorily;
- term of credit limit (credit) - 12 months. In this case, the term of the loan is extended for every next 12 months, if at least 15 calendar days before the expiration date of the loan the Bank does not notify the Client of the termination of the loan;
- The Client has the right to withdraw from the Agreement without explanation within 14 calendar days from the date of the agreement, which the Client notifies the Bank in writing. If the Client submits the notice not in person, it must be notarized or submitted and signed by a representative with a power of attorney to perform such actions. Within seven calendar days from the date of submission of the written notice of withdrawal from the Agreement, the Client is obliged to return to the Bank the funds received under the Agreement and pay interest for the period from the date of receipt to the date of return at the rate specified in the Agreement;
- The Client has the right to terminate or terminate the Agreement by early full repayment of the loan. Any penalties in case of early (full or partial) repayment of the loan are not accrued and are not paid;
- The Client has the right to repay the Loan in full or in part at any time, including by increasing the amount of the Mandatory Minimum Payment, and to pay interest for the use of the Loan for the period of actual use of the Loan;
- information about the Borrower may be provided to the Bureau of Credit Histories, Credit Register;
- in case of violation of the terms of the Agreement and in cases specified in the terms of the Agreement, the Bank has the right to suspend (temporarily) all or some operations on and / or block the card, refuse to serve the Client;

The Bank is prohibited from requiring the Client to purchase any goods or services from the Bank or a related or related person as a mandatory condition for the provision of these services (except for the provision of a package of banking services).

The Bank has no right to amend the agreements concluded with the Clients unilaterally, unless otherwise provided by the Agreement or the law.
The Bank's clients have the right to refuse to receive advertising materials by means of remote communication channels.