Information to the client

1. PERSON WHO PROVIDES FINANCIAL SERVICES

а)

Full: КРЕДИТНА СПІЛКА «ЗАРАЗ»

Abbreviated: КС «ЗАРАЗ»

Location: 03039, Kyiv. St. Viktor Zabyla, bldg. 5, office 122

Contact phone number: (0-800)755-427 (the call is free) (044)525-54-27; (050) 443-50-30; (067) 242-44-67; (063) 495-37-03

KS email address: cu_zaraz@ukr.net

Address where complaints are accepted: 03039, Kyiv, str. Viktor Zabyla, bldg. 5, office 122

б)

Place of provision of financial services: 03039, Kyiv, str. Viktor Zabyla, bldg. 5, office 122

в)

г)

By link – https://zaraz.org.ua/uk/zvitnist-ta-audit/

ґ)

Date of state registration in the Unified State Register: 05/25/2011

Date of recording: 05/25/2011

Record number: 10681020000027941

EDRPOU code: 37716197

д)

Included in the DRFU on the basis of the decision of the State Financial Service of 01.12.2011 No. 711

Registration number: 14102665

Certificate series and number: KS No. 943

Date of issuance of the certificate 01.12.2011

Hyperlink to the page of the official Internet representation of the National Bank, where the State Register of Financial Institutions is located

е)

On 03/14/2024, the National Bank of Ukraine submitted a note to the Federal State Security Fund about reissuing the licenses of КС «ЗАРАЗ» for a license to carry out the activities of a credit union with the right to provide financial services: providing funds and bank metals on credit; attraction of funds and bank metals subject to return.

License Status: Unlimited.

LENDING FUNDS, INCLUDING FINANCIAL LOAN TERMS

By order of the National Commission for State Regulation in the Field of Financial Services Markets of 04/06/2017 No. 982, an indefinite license was issued for conducting business activities for the provision of financial services (except for professional activities on the securities market), namely the provision of loans, including including on the terms of a financial loan.

License status: canceled as of March 14, 2024.

ATTRACTING FINANCIAL ASSETS WITH OBLIGATIONS REGARDING THEIR SUBSEQUENT RETURN

By order of the National Commission for State Regulation in the Field of Financial Services Markets of April 13, 2017 No. 1090, an indefinite license was issued to conduct business activities for the provision of financial services (except for professional activities on the securities market), namely the involvement of financial assets with an obligation regarding their next return.

License status: canceled as of March 14, 2024.

є)

National Bank of Ukraine (NBU) location: Ukraine, 01601, Kyiv city, INSTITUTSKA STREET, building 9, Convenient online form on the NBU website; For an electronic application: nbu@bank.gov.ua (fill in and send the form and, if necessary, add accompanying materials. But the size of the attachment is no more than 10 MB); For correspondence: st. Instytutska, 9, Kyiv, 01601; To submit written appeals from citizens: st. Instytutska, 11-b, Kyiv, 01601; Phone: 0 800 505 240; Mon-Thurs 9:00 a.m. – 6:00 p.m., Fri 9:00 a.m. – 4:45 p.m.; Sign up for a personal appointment: through the online form or by phone. 0 800 505 240; Public reception: str. Instytutska, 12, room 24.

ж)

There are no persons who provide intermediary services.

CREDIT AGREEMENT ON PROVIDING FUNDS AND BANK METALS ON CREDIT.

1.1

1) The right to withdraw from the contract for the provision of financial services – non-consumer loans is not provided for by the law and the contract for this type of loan.

2) Regarding consumer loans:

The borrower has the right within 14 calendar days from the date of conclusion of the Agreement to withdraw from the consumer credit agreement without explaining the reasons, including in the case of receipt of funds.

The Borrower shall notify the Lender in writing of the intention to withdraw from the Agreement before the expiry of the period of 14 calendar days from the date of conclusion of the Agreement.

If the Borrower submits the notification not in person, it must be notarized or submitted and signed by a representative with a power of attorney to perform such actions.

Within seven calendar days from the date of submission of a written notice of withdrawal from the Agreement, the borrower must return to the Lender the funds received under the Agreement and pay interest for the period from the date of receipt of funds to the day of their return at the rate established by the Agreement.

Refusal of the Agreement is the basis for termination of agreements regarding additional and/or related services, which were determined as mandatory for obtaining a loan, concluded by the Borrower. The Lender or a third party is obliged to return to the Borrower the funds paid by him for such additional and/or related services no later than within 14 calendar days from the date of submission of a written notice of withdrawal from the Agreement, if such services were not actually provided before the date of the Borrower’s withdrawal from the Agreement in the manner specified by law.

The right to withdraw from the Agreement does not apply to: consumer credit agreements, the fulfillment of obligations under which is ensured by concluding notarized agreements (deeds); consumer loans granted for the purchase of works (services), the performance of which took place before the expiration of the period of withdrawal from the Agreement – 14 calendar days from the date of conclusion of the Agreement.

1.2

The minimum term of the contract does not apply.

1.3.

The terms of early termination of the Agreement are defined in the Agreement. In case of early termination of the Agreement, the Borrower is obliged to pay the Lender the entire amount of the unpaid loan and accrued interest for the actual term of using the loan, on the day of termination of the Agreement.

If the Borrower exercised the right to return the loan by increasing the amount of periodic payments, the Lender is obliged to make a corresponding adjustment of the borrower’s obligations in the direction of their reduction and, at the request of the Borrower, to provide him with a new payment schedule.

In the case of early repayment of a consumer loan, the Borrower pays the Lender interest for the use of the loan for the period of actual use of the loan funds and the cost of all services related to servicing and repayment of the loan (if any) for the period of actual use of the loan.

The Borrower, who intends to repay the loan debt early, must notify the Lender in writing no later than five working (banking) days before the scheduled date of early repayment of the debt and contact the Lender’s officials for a final calculation of the full balance and exact debt on the loan on the date of the scheduled payment. If the Borrower does not fulfill the terms of this clause of the Agreement, the Borrower bears the risk of incorrect calculation and payment of the loan debt.

The borrower has the right at any time to fully or partially repay the loan early, including by increasing the amount of periodic payments. If the Borrower exercised the right to return the consumer loan by increasing the amount of periodic payments, the Lender is obliged to make a corresponding adjustment of the Borrower’s obligations in the direction of their reduction and, at the request of the consumer, to provide him with a new payment schedule.

1.4.

Amendments and additions to the contract are formalized by the Parties signing additional contracts in writing, taking into account the following:

Any proposals for changes to the essential terms of the contract must be made by sending a message in a way that allows you to set the date of sending such a message.

Proposals to change the essential terms of the Agreement are submitted in the following order and terms:

1) A proposal to change the essential terms of the contract (notification) is sent to the other party by letter in a way that allows to establish the date of dispatch or is delivered under personal signature to the Borrower or a representative of the Union with a note on the date of dispatch and receipt.

2) The party to the contract is obliged to provide a written response within 10 days from the day of receiving the letter or handing over the proposal under personal signature.

3) If the party to the contract did not agree to the changes or did not provide an answer within the period stipulated in clause 2), the offer is considered not accepted.

4) If the party to the contract agreed with the proposal, the additional contract is concluded at the location of the union, in writing, within three working days from the day of the written response.

5) Amendments to the contract shall enter into force from the date of signing the additional contract. All changes, additions and appendices to the contract, signed by the parties, are an integral and integral part of it

1.5.

The type of interest rate is fixed, it cannot be increased without the written consent of the Borrower.

WITHDRAWAL OF FUNDS AND BANK METALS SUBJECT TO RETURN.

2.1.

The Contributor has the right to refuse to make the Contribution within fourteen calendar days from the date of signing this Agreement by providing the Union with a corresponding written notice.

2.2.

The minimum term of the contract does not apply.

2.3.

The contract can be terminated at the initiative of the depositor in the following manner.

The depositor has the right to unilaterally demand termination of the contract at any time by notifying the Union in writing. In this case, the Union, on first demand for contracts concluded on the terms of refund on first demand or within a period of no more than 30 calendar days from the date of receipt of the depositor’s first written request for early termination of the fixed-term contract and return of the Deposit, returns the Deposit to the Depositor and performs all necessary calculations regarding the payment of interest due to the Depositor in the manner specified by the Agreement. Accrual of interest on the Deposit begins on the next day after the Depositor makes the Deposit and ends on the day of the final settlement in case of early termination of the Agreement. The date of termination of the Agreement is the day the Deposit is returned.

For fixed-term deposits (deposits), in case of early termination of the fixed-term contract, the interest rate will be recalculated downwards in accordance with the procedure stipulated by the contract. For contracts on attraction of Deposits (deposits) on the first demand, there is no transfer of interest in case of early termination of the contract at the initiative of the depositor.

2.4.

Amendments and additions to the Agreement are made by the Parties concluding additional agreement(s) in writing. The proposal to change the essential terms of the Agreement (notification) is sent to the other Party in a way that allows you to set the date of dispatch.

The terms of the Agreement may be changed or supplemented at the initiative of the Union in the event of a change in the market conditions of monetary resources, changes in the legislation regulating the relations of the Parties, adoption by competent state bodies of acts or decisions that in one way or another affect the fulfillment of the terms of the Agreement by the Union.

In such a case, the Union sends the Contributor a written proposal specifying the changes and/or additions to the Agreement by registered letter with delivery notice. If the Contributor agrees with the new terms of the Agreement, he is obliged to inform the Union about this and sign an additional agreement to the Agreement within one month from the moment of receiving the letter. The specified changes enter into force from the moment of signing the additional agreement by the Parties. If the Depositor has not signed the additional contract one month after receiving the letter, the offer is considered not accepted. In this case, starting 32 days after the Depositor receives the above-mentioned letter, the Agreement is terminated, the Deposit is returned to the Depositor and the appropriate interest is paid, based on the interest rate specified in the contract for the actual period of use of the Deposit.

2.5.

The type of interest rate is fixed, it cannot be increased without the written consent of the Parties.