1. Possible consequences for the Customer in case of using the consumer loan or failure to fulfil 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 agreement and the requirements of the legislation of Ukraine;

2) in case of untimely fulfilment of obligations (in full and/or in part) when using a consumer loan, the following are provided:

• a penalty (fine, fee) for late payment on a consumer loan;
• the right of the Bank, in cases specified in the agreement, to demand early repayment of payments on a consumer loan and compensation for losses caused by the breach of the obligation;
• the right of the Bank to assign the right of claim under the consumer loan agreement to a new lender or to engage a collection company to settle the overdue debt of the Borrower;
• the right of the Bank to transfer information to the credit history bureau/Credit Register of the NBU;
• the right of the Bank to make debit transfers with the consent of the Borrower (contractual debiting) 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 to pay the loan debt, compensation for losses, or make other payments stipulated by the consumer loan agreement.

2. The Bank is prohibited to: 

1) require the Customer 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);

2) unilaterally amend agreements concluded with customers, unless otherwise provided by the agreement or the law. Any proposals to change the principal terms and conditions of the loan agreement shall be sent by the Bank to the Borrower by sending a notice in a manner that allows to determine the date of sending such notice.

3. The Customer has the right to:

1) refuse to receive advertising materials by means of remote communication channels;

2) withdraw from the consumer loan agreement within 14 calendar days from the date of the agreement in accordance with the provisions of the Law of Ukraine ‘On Consumer Lending’. In case of withdrawal from the loan agreement, the Borrower shall notify the Bank of the intention to withdraw from the 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 the 14-day period from the date of conclusion of the loan agreement. If the Customer submits the notice not in person, it must be notarised or submitted and signed by a representative if a power of attorney for such actions is available. Within seven calendar days from the date of submission of a written notice of cancellation of the loan agreement, the Customer 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;

3) after termination of the banking service agreement, including in connection with expiration, cancellation or performance of the agreement, apply to the Bank for information (certificate) 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 provides in the form of a paper or electronic document (at the client's option) within five business days from the date of receipt of such a request by the Bank.