Card "Universalna"

1. Possible consequences for the Client in case of using a banking service or failure to fulfill obligations under the deposit agreement:

• When using the Deposit service, the client acquires rights and obligations under the deposit agreement;
• For non-performance or improper performance of the contract terms, the parties bear responsibility according to the “Rules for providing banking services under comprehensive banking servicing conditions for individuals at JSC “Investment and Savings Bank,” which are posted on the Bank’s website in the “Daily servicing” section, and the current legislation of Ukraine. In particular, but not exclusively, the consequences of such non-performance may occur, including the Bank may apply penalties (fines, penalties), refusal of the Bank to provide services, suspension of operations, etc.

2.Possible consequences for the Client in case of their untimely contact with the bank regarding the return of money deposited under the deposit agreement:

• In case of untimely contacting the bank regarding the return of money deposited under the deposit agreement with automatic prolongation, such deposit will be automatically prolonged, with the interest rate being determined at the rate valid on the date of prolongation;
• In case of absence/cancellation of automatic prolongation, the Bank independently recalculates the deposit amount and accrued interest to the Client’s account specified in the deposit agreement, and the funds remain in the account until they are demanded by the Client.

3. The existence of the Client’s right to terminate the deposit agreement prematurely, as well as the method of termination of such agreement, is determined by the terms of the respective deposit indicated in the “Deposit Attraction Conditions,” which are posted on the Bank’s website in the “Daily servicing” section.

4. The Bank is prohibited from requiring the Client to purchase any goods or services from the Bank or any related or associated person as a mandatory condition for providing services. The Bank is not entitled to make changes to the contracts concluded with clients unilaterally, unless otherwise provided by the contract or the law. The client has the right to refuse to receive advertising materials via remote communication channels.

5. By signing the Application-Questionnaire for accession to the Agreement, the Client unequivocally confirms that at the time of concluding the Agreement, the Client has read the full text of the Agreement with annexes (including Tariffs), fully understood its content, and agrees to all the terms of the Agreement and Tariffs that are in effect on the date of concluding this Agreement, as well as familiarized with other information listed in clause 2 of Article 12 of the Law of Ukraine “On Financial Services and State Regulation of Financial Services Markets,” including the following.