Loan secured by real estate

Warnings and possible consequences for the client in case of using the service or not fulfilling his obligations’ according to the service contract

«Consumer loan secured by mortgage»

• In case of improper performance by the borrower of his obligations under the credit agreement, the Bank has the right to apply to the relevant state authorities in order to satisfy his requirements, including by force.

• In case of violation by the Borrower of any terms and deadlines for returning the Loan, including in case of violation of the terms provided for in the Payment Schedule, which is an integral part of the Consumer Credit Agreement, late payment of interest and fees for the use of the Loan, the Borrower shall pay the Bank a penalty in the amount of double the accounting rate of the National Bank of Ukraine, which was in effect during the period for which the penalty is paid on the amount of the unpaid payment, for each day of delay. The amount of the penalty for the period for which the penalty is paid cannot be more than 15 percent of the overdue payment amount.

Fine in the amount of 1% (one percent) of the initial amount of the loan granted to the Client by the Bank in accordance with the Credit Agreement, for each case of violation by the Client of the stipulated obligation to agree with the Bank to receive loans from other financial institutions.

Fine in the amount of 0.1% (zero integers, one-tenth of one percent) of the loan provided by the Bank for each month of delay in case of violation of the obligation to provide additional security in the event of a decrease in the value of the security provided.

The Borrower pays the Bank a fine in the amount of 25.0% (Twenty-five percent) of the amount of the Loan used by the Borrower for purposes other than those stipulated in the Credit Agreement.

• The Bank does not require the client to purchase any other services or goods from the Bank or a related or related person as a prerequisite for the provision of these services (except for the provision of a package of banking services).

• The Bank has the right to change and supplement the CONTRACT ON PROVIDING PJSC "MTB BANK" BANKING SERVICES TO INDIVIDUALS, notifying the Borrower of this at least 30 (thirty) calendar days prior to the implementation of such changes - on the Bank's Website. The Borrower has the right to terminate this Agreement by the date from which the changes will be applied, having simultaneously fulfilled all obligations to the Bank under this Agreement and the Consumer Credit Agreement. The Bank's failure to receive any written objections from the Borrower prior to the date of entry into force of the changes specified in this clause is evidence of the Borrower's agreement to such changes. If the Borrower disagrees with the specified changes, the Borrower is obliged, before the effective date of these changes, to declare in writing the termination of this Agreement and fulfill all obligations to the Bank under this Agreement and the Consumer Credit Agreement. At the same time, the Borrower assumes the obligation to independently monitor the presence/absence of the Bank's proposals to amend the Agreement. The Bank sends to the Borrower's mobile phone number and/or e-mail address and/or by means of services and/or through the Bank's Website.

• The client has the opportunity to refuse to receive the Bank's advertising materials provided by remote electronic service channels by contacting the nearest branch or contacting the Bank's hotline at 0 8 00 500 255.