CASH LOAN

available only to clients who receive their salary on a Raiffeisen Bank card

Loan conditions

1. Minimum document package: Ukrainian passport, taxpayer identification code.

2. Loan amount: from 5 000 UAH to 500 000 UAH.

3. Annual interest rate: from 29,9% to 51,9%

4. Loan term: from 13 to 72 months

5. Mandatory life insurance. Insurance rate: from 0.15% to 0.17% per month of the loan amount. Insurance is paid once from the loan funds

6. Borrower requirements 1: Ukrainian citizen aged 23 to 62 years, with a stable monthly income, at least 1 month of work experience at the current job, and receiving salary on a Raiffeisen Bank card

7. Borrower requirements 2: Permanent residence in Ukraine

8. Borrower requirements 3: Continuous presence within territories controlled by the Ukrainian authorities

Maximum Loan Amount - 500,000 UAH. Maximum loan term - 72 months. The annual interest rate on the loan ranges from 29.90% to 51.90%. The actual annual interest rate depends on the loan amount, term, and chosen insurance program, and can range from 34.9% to 72.2%. The offer is not valid in temporarily occupied or uncontrolled territories of Ukraine. The terms of service provision are in accordance with the Bank's rules. Client requirements for the loan agreement are determined by the Bank's internal documents. All information about services is available at raiffeisen.ua or at the Bank's branches. © 2021 JSC "Raiffeisen Bank". NBU banking license No. 10 dated 02.07.2021. General license for foreign exchange operations dated 16.07.2018 No. 10-2. Member of the Deposit Guarantee Fund for Individuals. Personal data processing. Terms and conditions of banking services. Safety measures for using banking products.

WARNING to Clients – Individuals Using the "Cash Loan" Consumer Credit Service

The consumer credit service provided by JSC "Raiffeisen Bank" (hereinafter referred to as the Bank) under the "Cash Loan" lending program is offered to individual clients under the terms of the Banking Service Agreement.The Banking Service Agreement (hereinafter referred to as the Agreement) is an adhesion contract (Article 634 of the Civil Code of Ukraine) and consists of a public offer, an acceptance statement of the public offer/agreement, the "Rules for Banking Services for Individuals at JSC 'Raiffeisen Bank'," the Bank's tariffs, and the application for the "Cash Loan."

In case of non-performance or improper performance by the client of credit obligations established by the Agreement, the client is liable in accordance with the laws of Ukraine and the terms of the Agreement.

For late fulfillment of any monetary obligations under the loan, the client must pay a penalty of 1% (one percent) of the overdue payment amount for each calendar day of delay. The amount of such a penalty cannot exceed double the NBU discount rate that was in effect during the period for which the penalty is paid, and cannot exceed 15% of the overdue payment amount. The total amount of penalties accrued for breach of obligations under the Loan cannot exceed half of the credit funds received by the Client according to the Application-Agreement and cannot be increased by mutual agreement of the Parties.

The total amount of penalties and other payments owed by the Client for breach of obligations under the Loan, the total amount of which does not exceed one minimum wage, cannot exceed double the amount of credit funds received by the Client according to the Application-Agreement and cannot be increased by mutual agreement of the Parties. For breach of obligations under such a Loan, the total amount of which does not exceed one minimum wage, the interest rate on the Loan, the method of its calculation, and the method of interest payment cannot be changed to the detriment of the Client.

The penalty calculation starts from the calendar day following the due date of the respective monetary obligation and continues until the day the Client fulfills the overdue obligation inclusively.

The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or a related entity as a mandatory condition for providing the consumer credit service (except for providing a package of banking services).

The Bank does not have the right to unilaterally amend the credit application "Cash Loan" concluded with the client unless otherwise provided by the Agreement or the law.

The client may refuse to receive promotional materials via remote communication channels.