Warning of possible consequences for the Client in case of using the service or failure to fulfil their obligations under the
the Credit Card Banking Service Agreement.

1. Possible consequences for the Client in case of using the banking service:

The Client shall repay the loan amount, fees and interest for its use in accordance with the terms of the banking service agreement and the requirements of the legislation of Ukraine.

The Bank and the Client shall be liable for non-fullfilment or improper fulfillment of obligations under the banking service agreement in accordance with the terms of the agreement and the requirements of the current legislation of Ukraine.

In cases specified in the banking service agreement, the Bank has the right to demand early repayment of loan payments and compensation for losses incurred by the breach of the obligation.

The Bank has the right to enter information into the credit bureau/Credit Register of the National Bank of Ukraine, which may lead to the formation of a negative credit history and be taken into account by the Bank or other financial institutions when making a decision on granting a loan in the future.

The Bank has the right to engage a collection company to settle overdue debts.

2. Possible consequences for the Client in case of failure to fulfil his/her obligations under the banking service agreement:

2.1. In case of violation by the Client of the terms of payment of the mandatory minimum payment (hereinafter referred to as the "MMP"), the Bank has the right to charge (apply) penalties in the amount, within the terms and in the manner determined by the banking service agreement, the Rules and Tariffs of the Bank, including a penalty for each missed MMP in the amount of UAH 90 (ninety hryvnias 00 kopecks). The penalty for omission of the PMS shall be charged for each case of violation by the Client of the terms of payment of the PMS.

2.2. In case of violation of the terms of payment of the TMC by the Client or in case of an unauthorised overdraft, the Bank has the right to block the execution of expense transactions using the payment card, while the payment card may be used for account replenishment transactions.

2.3. If the Client fails to repay the Loan amount or part thereof on the last day of the Credit Limit validity period, or on the day of early repayment of the Loan at the request of the Bank, the Client is obliged to pay the Bank the amount of debt (Loan or part thereof) taking into account the established inflation index for the entire period of delay, as well as interest accrued on the amount of the debt at the interest rate specified in the banking service agreement for the period from the day following the day of final repayment of the Loan/day of early repayment of the Loan at the request of the Bank until the day of full repayment of the Loan inclusive. Such interest shall be accrued on the actual amount of the debt for each day of delay.

2.4. In case of violation by the Client of the obligations under the banking service agreement, the Bank has the right to demand early fulfilment by the Client of all its obligations under the banking service agreement, including early repayment of the loan, namely for:

-the Client's delay in payment of the TMC for more than one calendar month

-the Client provides invalid documents and/or information about himself/herself in order to obtain a loan;

-the Client is subjected to a preventive measure in the form of detention or a court sentence on deprivation of liberty, restriction of liberty or arrest enters into force.

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

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

5.The Client may refuse to receive advertising materials via remote electronic service channels.