Information for customers regarding changes in the Rules of Comprehensive Banking Services for Private Individuals

Dear Customers,

Please be advised that the Rules of Comprehensive Banking Services for PI will be revised and take effect on June 10, 2024.

The main changes:

• The concept of what is considered the date of opening a card, current or deposit account has been regulated.
• Clause 4.0.1. is supplemented with the following phrase: “The date of opening a card account is the date of signing the relevant agreement.”
• Clause 5.1.1. is supplemented with the phrase “The date of opening a current and deposit account shall be the date of signing the relevant agreement”.
• The grounds on which funds may be debited from a card account have been expanded.
• Sub-clause 8 of clause 4.1.3.1. is set out in the following wording: “Submission by the Customer and/or Customer representative acting on behalf of the Customer on the basis of a notarized power of attorney, of an application and/or of the respective cash document for cash payment through the cash desk.”
• Information regarding the rules for checking the fulfillment of special conditions for package offers has been added:
• Clause 4.6.5.3. has been added as follows: The status of fulfillment of special conditions under a new Package offer shall be analyzed starting from the next month from the date of activation of the main payment card corresponding to the payment card class.
• Clause 4.6.5.4. has been added as follows: In case of changes in the terms of service under Package offer (switching to a higher or lower class package), when analyzing the status of fulfillment of special conditions for the previous calendar month, the terms and conditions stipulated by the Tariffs in accordance with the current Package offer as of the current settlement date shall apply.
• New rules have been added for enabling/ disabling the SMS Notification service and enabling/ disabling the PUSH notifications function:

Sub-clause 2 of clause 4.11.9. has been amended to read as follows “If the function of informing by means of the “SMS Notification” Service is deactivated, the function of informing by means of PUSH notifications for active cards shall be activated automatically and, accordingly, if the function of informing by means of PUSH notifications is deactivated, the function of informing by means of the SMS Notification Service for active cards shall be activated automatically. Upon activation of the “SMS Notification” service for active cards, the fee is determined by the current Tariffs.

The Parties agree that from the moment the Customer takes actions to switch the methods of receiving information in the “CA+” Payment Application, the Agreement shall be deemed amended in terms of the conditions for informing the Customer about the status of the Card Account and transactions with their own payment Cards, namely, the relevant service shall be activated in relation to the Card specified by the Customer, and the Customer has ordered the respective method of receiving information. At the same time, an application for the receipt of PUSH notifications may be submitted to the Bank exclusively via the “CA+” Payment Application and is valid only in relation to this particular mobile application by means of which it was submitted (that is, the Customer may receive PUSH notifications based on such application only to the mobile device on which this mobile application is installed and until such application is removed).”

Please find the revised version of the Rules for Comprehensive Banking Services for PI here for your reference.