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By signing the Application - agreement (hereinafter referred to as the Agreement) and/or the Revolving Credit Line Opening and Maintenance Agreement (hereinafter referred to as the Agreement), the client confirms that they have read the Terms and Conditions and Procedure for the provision of banking services, which is a public proposal (offer) posted on the Bank's website https://www.clhs.com.ua (hereinafter referred to as the Public Offer) and have familiarized themselves with the possible consequences for the client in case of using the said banking service or failure to fulfill their obligations under the Agreement and the Public Offer.

The Client shall be liable for non-fulfillment and/or improper fulfillment of obligations under the Agreement in accordance with the current legislation of Ukraine. All disagreements and disputes arising in connection with the execution of the Banking Service Agreement shall be resolved through negotiations between the parties to the Agreement. In case of failure to reach an agreement, the dispute shall be resolved in court in accordance with the current legislation of Ukraine.

Consequences for the Client in case of use of the banking service or failure to fulfill obligations under the agreement on the provision of this banking service:

- upon receipt of a loan, the Borrower incurs expenses in the form of interest, commissions, and other payments for the Bank's services in accordance with the terms of the Agreement;

- in the case of late repayment of the loan debt or other violations of the terms of the Agreement, the Borrower may be subject to penalties in accordance with the terms of the Agreement;

- in the case of improper fulfillment by the Borrower of their obligations under the Agreement, the Bank has the right to appeal to the relevant state authorities to satisfy its claims, including through (legal) enforcement;

- in the case of improper fulfillment by the Borrower of their obligations under the Agreement, the Bank has the right to appeal to collection companies acting in the interests of the Bank.

The Client has the right to withdraw from the Agreement within 14 calendar days from the date of its conclusion by repaying the loan in full and paying interest for the entire period of use, within 7 days from the date of submission of a written notice of withdrawal from the Agreement.

The Client has the right to early termination or suspension of the Agreement by early full repayment of the loan debt. Any penalties in case of early (full or partial) repayment of the loan shall not be accrued or paid.

In the case of entering into the Agreement with a fixed interest rate, the interest rate may be changed only with the written consent of the Bank and the Client by amending the terms of the concluded Loan Agreement.

Information about the Borrower shall be submitted to the Credit History Bureau and the Credit Register.

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).

The Client has the right to refuse to receive advertising materials by means of remote communication channels.

In cases specified in the Agreement/Public Offer, the Bank has the right to demand early repayment of loan payments and compensation for losses incurred by the Bank due to the breach of obligations on behalf of the Client.

The Bank shall not be entitled to unilaterally amend the agreements concluded with customers, unless otherwise stated by the Agreement, the Offer, or the law.

The client may refuse to receive advertising materials by means of remote communication channels by contacting the Bank's manager or the Bank's Contact Center.