Notifying the consumer of the potential repercussions should they choose to use the banking service or his failure to carry out the duties outlined in the agreement for the supply of this banking service.

The bank may demand early repayment of a loan in the following cases:

• delay in repayment settlement of financial obligations under the loan contract by more than one calendar month.
• material violation of the terms and conditions of the loan contract by the client.
• submission of false or incomplete information to the bank by the client before or after the loan is granted.

The client may repay a loan early (either in full or in part) by submitting a statement of early repayment in the form prescribed by the bank, before the scheduled date of repayment.

If the client fails to repay a loan and pay the interest thereon when due, the bank accrues the late penalty in an amount equal to double the refinancing rate of the National Bank of Ukraine in effect during the period in which the late penalty is paid, on the past due amount.

Should the Client fail to comply with the requirements concerning collateral insurance, submission of documents evidencing income, or the designated use of loan proceeds, the Bank shall have the right to impose a penalty of up to five percent (5%) of the disbursed loan amount, applied once for each instance of non-compliance identified.

If the loan is past due, the client pays the interest on the loan/a part thereof following the due date of the loan/a part thereof in an amount equal to the interest on the loan determined in accordance with the loan contract, for each calendar day of delay, which is calculated on the actual/360 basis of the balance of the loan that is due, from the date of incurring of the debt until complete repayment thereof.

The bank may furnish information on the client’s debt to the credit bureau/credit register of the National Bank of Ukraine, including information on the client’s negative credit history, which may be considered by the bank when it takes a decision on the loan in the future.

The bank may not require the client to purchase any goods or services from the bank or from a related or affiliated person as a pre-condition for receiving a loan.

The bank may not make amendments to contracts concluded with the clients unilaterally unless otherwise provided for by the contract or laws of Ukraine.

The client may opt to refuse to receive promotional materials via the remote communication channels via this link. 

Following the termination of the agreement on the provision of banking services, including in connection with the expiration, termination or execution of the agreement, the client has the right to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information on the absence of debt and complete fulfillment of the client's obligations under the contract, which the bank provides in the form of a paper or electronic document (in accordance with the client's preferences) within five working days from the day the bank receives the request.