Patriotic

• The Patriotic bank deposit provides for automatic agreement
  renewal (at the Customer’s option).
• The depositor who has given consent to the automatic extension of the deposit storage period has the right to:

- Submit an application to the Bank’s branch to cancel the automatic extension of the deposit storage period. Such an application may be submitted by the Depositor not later than 1 business (banking) day preceding the day of expiration of the deposit storage period (regular period).
 - Cancel the automatic extension of the deposit storage period in the MTB360 mobile app. The Depositor may carry out this operation no later than 1 calendar day preceding the day of expiration of the deposit storage period (regular period).

• In case of refusal of automatic renewal, after the Patriotic bank deposit expires, the deposit and interest are returned after the expiration of the placement period in UAH; currency (USD) is sold at the official NBU rate on the date of return of the deposit without the Depositor submitting an application for the sale of foreign currency, and the UAH equivalent is credited to the current account in national currency specified in the Application for Accession to the Bank Deposit Agreement.
• The Depositor, who failed, when signing the Application for Accession, to consent to the automatic extension of the deposit storage period, has the right:

- To apply to the Bank’s branch no later than 1 business (banking) day preceding the expiration of the deposit storage period (regular period), with an application for enabling the automatic extension of the deposit storage period under the relevant agreement.
 - To enable the automatic extension of the deposit storage period in the MTB360 mobile app. The Depositor may carry out this operation no later than 1 calendar day preceding the day of expiration of the deposit storage period (regular period).

• In case of automatic renewal of the agreement for a new term, the interest rate is set in the amount applicable to the Patriotic deposit as of the date of renewal.
• Interest is accrued on the actual balance of funds available on the account for every calendar day, starting from the day following the day of receipt of funds to the deposit account of the Depositor and ending on the day preceding the day of return of the deposit from the deposit account of the Depositor. The basis for calculating interest is the actual number of days in a calendar year.
• The terms of the Patriotic bank deposit agreement provide for mandatory capitalization of interest.
• The terms of the Patriotic bank deposit agreement do not provide for replenishment of the deposit.
• The terms of the Patriotic bank deposit agreement do not provide for early termination.
• The Bank makes any amendments to the bank deposit agreement only with the consent of the Depositor (party to the agreement), unless otherwise provided by the agreement or by law.
• The Bank does not require the Customer to purchase any goods or services from the Bank or from the Bank’s related or associated entity as a prerequisite for providing the service of a Patriotic bank deposit (except for opening a current account using a payment card to receive interest on the deposit and the deposit at expiration).
• MTB BANK, PJSC is a member of the Deposit Guarantee Fund. In case the National Bank of Ukraine decides to revoke the banking licence and liquidate the bank on the grounds set in Part 2, Article 77 of the Law of Ukraine On Banks and Banking, the DGF shall guarantee to each depositor of this bank the reimbursement of funds held on deposits (including interest) as of the end of the day preceding the starting day of the bank liquidation proceeding, but not exceeding the deposit reimbursement ceiling set as of the date of this decision regardless of the number of deposits with one bank. Three months after the day following the day of termination or cancellation of martial law in Ukraine, introduced by Decree No. 64/2022 of the President of Ukraine On the Introduction of Martial Law in Ukraine dated 24 February 2022, approved by the Law of Ukraine On Approval of Decree No. 2102-IX of the President of Ukraine On the Introduction of Martial Law in Ukraine dated 24 February 2022 (hereinafter referred to as Martial Law in Ukraine), the amount of the deposit reimbursement ceiling may not be less than UAH 600,000. During the martial law in Ukraine and three months from the date of termination or cancellation of martial law in Ukraine, the Fund shall reimburse each depositor of the bank in the full amount of the deposit, including interest accrued as of the end of the day preceding the day of commencement of withdrawal of the bank from the market, except as provided for in Part 4 of Article 26 of the Law of Ukraine On the Deposit Guarantee System for Individuals.
• 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.