— The current account is opened for the Client as part of the basic set of services stipulated in the General Agreement on the Provision of Banking Services to Individuals in JSC “ProCredit Bank” (hereinafter — the General Agreement).

— In the event that the Client fails to pay for the services of the Bank, the Bank charges a penalty of 0.25% of the overdue amount; this penalty amount shall not be less than double the discount rate of the National Bank of Ukraine effective in the period for which the penalty is paid, as applied to the overdue amount.

— In the event of unauthorised debt on the current account because of an overdraft on the Client’s bank payment card, the Bank charges a penalty amounting to double the discount rate of the National Bank of Ukraine effective during the period for which the penalty is paid.

— The Client may suffer losses in the event of Client non-compliance with the rules of safe use of the bank payment card and/or the associated PIN code, or of the electronic banking system or mobile application.

— The Bank has the right to suspend the provision of service and/or services in general under the General Agreement, in full or in part, in the event that the Client fails to conclude payment for previously provided service(s) of the Bank within a period of more than two calendar months. In this case, the Client’s savings/current accounts shall be closed, with the Bank sending relevant SMS notification to the Client 14 days before such closing.

— The Bank may not demand that the Client purchase any goods or services from the Bank, or from its related or affiliated parties, as a mandatory condition for provision of these services.

— The Bank does not have the right to make unilateral amendments to the agreements with clients, except as otherwise provided for by the General Agreement or the laws of Ukraine.

— The client may object to receiving advertising materials through remote communication channels here.

— 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.