1. Possible consequences for the customer in case of using a consumer loan or failure to fulfil their obligations under the consumer loan agreement:

1) the customer shall repay the loan amount, commissions, interest, and other payments for its use in accordance with the terms of the consumer loan agreement and the requirements of Ukrainian law;

2) possible expenses in case of transfer of funds from accounts opened with other banks to pay for the use of a consumer loan (commission fees in accordance with the tariffs of another bank);

3) in case of late performance of obligations (in full and/or in part) when using a consumer loan, the following is provided:

• penalty (fine, penalty) for late payment on a consumer loan;
• the Bank's right, in cases specified in the agreement, to demand early repayment of consumer loan payments and compensation for losses caused by a breach of obligation;
• the Bank's right to transfer the right of claim under the consumer loan agreement to a new lender or to engage a collection agency to settle the Borrower's overdue debt;
• the Bank's right to transfer information to credit bureaus/the NBU Credit Register, which may affect the credit history and make it difficult to obtain credit in the future;
• the Bank's right to make a debit transfer of funds with the Borrower's consent (contractual write-off) from the Borrower's current accounts (in national and/or foreign currency) opened or to be opened with the Bank in the future, in favour of the Bank for the payment of the loan debt, compensation for losses, or other payments provided for in the consumer loan agreement;

4) the initiation by the client of the extension (longation, prolongation) of the maturity date of the consumer loan (the date of fulfilment of the monetary obligation)/the loan term/the term of the consumer loan agreement shall be carried out exclusively by concluding an additional agreement by mutual consent of the parties;

5) in the event of the dismissal of an Employee, an increased interest rate shall apply from the calendar day following the dismissal;

6) when applying for a loan, additional and/or related services of the Bank are mandatory, namely the opening and maintenance of a current account with the Bank.

2. The Bank is prohibited from:

1) requiring the customer to purchase any goods or services from the Bank or a related or affiliated person as a mandatory condition for the provision of these services (except for the provision of a package of banking services);

2) unilaterally amending agreements concluded with customers, unless otherwise provided by the agreement or law. Any proposals to change the essential terms of the loan agreement shall be sent by the Bank to the Borrower by means of a notification in a manner that allows the date of dispatch of such notification to be established.

3. The customer has the right to:

1) refuse to receive advertising materials via remote communication channels;

2) consider alternative types of consumer loans at other banks and financial institutions in order to make an informed decision on obtaining a consumer loan on the proposed terms;

3) withdraw from the consumer loan agreement within 14 calendar days from the date of conclusion of the agreement in accordance with the provisions of the Law of Ukraine ‘On Consumer Lending’. In case of refusal to enter into a loan agreement, the Borrower shall notify the Bank of their intention to refuse the Agreement in writing (in paper form or in the form of an electronic document created in accordance with the requirements of the Law of Ukraine ‘On Electronic Documents and Electronic Document Management’) before the expiry of the 14-day period from the date of conclusion of the loan agreement. If the Client does not submit the notification in person, it must be certified by a notary 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 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 the funds to the date of their return at the rate established by the loan agreement;

4) repay the loan debt in full or in part ahead of schedule by notifying the Bank in writing, exclusively by submitting a Statement no later than the day of early repayment, and transfer the corresponding amount of funds to their current account opened with the Bank;

5) upon termination of the agreement on the provision of banking services, including in connection with the expiry, termination or performance of the agreement, apply to the Bank with a request for information (certificate) regarding the performance by the parties of their obligations under the agreement, including information (certificate) on the absence of debt and the full performance of the client's obligations under the agreement, which the Bank shall provide in the form of a paper or electronic document (at the client's choice) within five working days of the Bank receiving such a request.