General Terms and Conditions
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                07.10.2025.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                28.06.2025.
                                                                                                                till
                                        06.10.2025.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.04.2021.
                                                                                                                till
                                        27.06.2025.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                08.04.2019.
                                                                                                                till
                                        31.03.2021.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                23.07.2018.
                                                                                                                till
                                        07.04.2019.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.08.2017.
                                                                                                                till
                                        22.07.2018.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.01.2017.
                                                                                                                till
                                        31.07.2017.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of the Use of SMS Bank Services
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                25.06.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.03.2020.
                                                                                                                till
                                        24.06.2024.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of Guarantees
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.10.2021.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of Use of Individual Safe-Deposit Box
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                03.07.2025.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.11.2021.
                                                                                                                till
                                        02.07.2025.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of Internet Banking Services and Mobile Application
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                25.06.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                07.10.2020.
                                                                                                                till
                                        24.06.2024.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.06.2019.
                                                                                                                till
                                        06.10.2020.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of Customer Packages
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.05.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                21.05.2020.
                                                                                                                till
                                        30.04.2024.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of Issue, Use and Maintenance of Payment Cards
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.12.2021.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Regular Payment Terms and Conditions
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                25.06.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                21.07.2018.
                                                                                                                till
                                        24.06.2024.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Background Information on the Protection of the State-guaranteed Deposits
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                28.11.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                10.02.2023.
                                                                                                                till
                                        27.11.2024.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Guidelines for Processing of Personal Data of Individuals
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                16.07.2025.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.10.2020.
                                                                                                                till
                                        15.07.2025.
                                                                                                         | 
                                
                                                                            not active
                                                                     | 
                                
                                    
                                        
                                    
                                 | 
                            
                                                    
                     
                                                            
                                        
Terms and Conditions of the Deposit Agreement
                                        
                                                            
                                            
                                                        
                                | 
                                                                                                                        Active from
                                                                                01.07.2024.
                                                                                                                                             | 
                                
                                                                            active
                                                                     | 
                                
                                    
                                        
                                    
                                 |