“Pledge” deposit

Potential risks for the client in using deposits/current accounts of individuals

Increase in the amount of personal income tax and military tax on income received from deposit operations.

Assigning a banking institution to the category of insolvent banks pursuant to the decision of the National Bank of Ukraine. Reimbursement of funds to the client by the Individual Deposit Guarantee Fund in the amount of the deposit, including interest, as of the day of the beginning of the withdrawal procedure by the bank's fund from the market, but not more than UAH 200,000. Deposits in foreign currency shall be reimbursed in the national currency of Ukraine, recalculated at the official exchange rate of UAH to foreign currencies set by the National Bank of Ukraine as of the day of beginning of the withdrawal procedure of the bank's fund from the market.

In case of untimely application of the client to the bank for the return of funds attracted under the bank deposit agreement(deposit), the amount of the deposit with accrued interest will be paid to the account specified in the deposit agreement, unless otherwise provided by the agreement.

The bank is not allowed to require customers to purchase any goods or services from the bank or its affiliates or partners as a mandatory condition for the provision of these services (except for the banking package).

The bank has no right to unilaterally make changes to agreements concluded with customers, unless otherwise provided by the agreement or the law.

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