Pension

• The Retirement bank deposit is opened subject to a pensioner ID card in UAH only.
• The Retirement 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. The Depositor may submit such an application no later than the day preceding the day of expiration of the deposit storage period (regular period).
• In case of refusal of automatic renewal, after the Retirement bank deposit expires, the funds are paid by crediting to the current account of the Customer opened with the Bank, without further accrual of interest.
• 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 at any
  time before the expiration of the deposit storage period specified in the Application for
  Accession with an application for enabling the automatic extension of the deposit storage period under the relevant agreement.
• In case of automatic renewal of the agreement for a new term, the
  interest rate is set in the amount applicable to the Retirement 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 Retirement bank deposit agreement provide for replenishment of the deposit and capitalization of interest.
• The terms of the Retirement 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 Retirement bank deposit (except for opening a
  current account using a payment card to receive interest on the deposit and the deposit
  at expiration).
• 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.
• MTB BANK, PJSC is a member of the Deposit Guarantee Fund.
• 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.

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.