Warning of possible consequences for the Client in case of using the consumer loan service "Loan for consumer purposes secured by property" (hereinafter referred to as the Loan).

1.Possible consequences for the Client in case of using the banking service or failure to fulfil their obligations under the agreement on the provision of this banking service:

The Client has the right to make early repayment of the Loan without additional fees for such repayment.

The Client has the right to withdraw from the Loan Agreement within 14 calendar days from the date of its conclusion without giving any reason, including in case of receipt of funds.

The Client must notify the Bank of his/her intention to withdraw from the Loan Agreement in writing (in paper form or in the form of an electronic document created in accordance with the requirements set forth in the Law of Ukraine "On Electronic Documents and Electronic Document Management") before the expiration of 14 calendar days from the date of conclusion of the Loan Agreement.

Within 7 calendar days from the date of submission of a written notice of cancellation of the Loan Agreement, the Client shall return to the Bank the funds received under the Loan Agreement and pay interest for the period from the date of receipt of funds to the date of their return at the rate established by the Loan Agreement.

The Client has no right to withdraw from the Loan Agreement, the fulfilment of obligations under which is secured by concluding a notarised pledge agreement.

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

The Bank and the Client shall be liable for non-fulfilment or improper fulfilment of obligations under the Loan Agreement in accordance with the terms of the Loan Agreement and the requirements of the current legislation of Ukraine.

In the cases specified in the Loan 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 satisfy the claim for repayment of the loan debt at the expense of movable property pledged as collateral, including out of court if there is a corresponding reservation in the pledge agreement. The pledge of property is terminated in case of full repayment of the customer's debt under the Loan Agreement, expiration of the pledge agreement or sale of the pledged property.

If the funds received from the sale of the pledged movable property are insufficient to repay the claim under the Loan Agreement, the Bank may foreclose on the client's personal property to repay the loan.

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 collection companies acting in the interests of the Bank to settle overdue debts.
The Client has the right to apply to the National Bank of Ukraine in case of violation by the collection company of the Law of Ukraine "On Consumer Lending" and/or other legislation in the field of consumer lending, including violation of the requirements for interaction with the Borrower in the settlement of overdue debt (requirements for ethical behaviour), as well as to file a claim for compensation for damage caused to the Borrower in the process of settlement of the latter's overdue debt. The collection company shall be liable in accordance with Article 182 of the Criminal Code of Ukraine.

2.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).

3.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.

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

5.After termination of the banking service agreement, including in connection with expiration, termination or performance of such agreement, the Client has the right to request information (certificate) from the Bank regarding the fulfilment by the parties of their obligations under the agreement, including information (certificate) on the absence of debt and fulfilment of the Client's obligations under the agreement in full, which the Bank shall provide in the form of a paper or electronic document (at the Client's option) within five business days from the date of receipt of the request.