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The interest rate on the loan and the conditions for its changeper year (Capital interest).
The annual interest rate of the Loan is constant throughout the Loan Period. If the principal interest exceeds the maximum interest within the meaning of art. 359 § 2 (1) of the Civil Code (i.e. twice the sum of the reference rate of the National Bank of Poland and 3.5 percentage points), Capital interest will be automatically reduced to the current maximum interest rate. In the event of a later increase in the maximum interest, the Capital Interest will be automatically adjusted to the maximum interest, however, throughout the Loan Period, the Capital Interest will not exceed the interest rate specified in the Agreement.Actual annual interest rate
This is the total cost of credit for the consumer
Expressed as a percentage of the total amount of credit per annum presented to help you in comparing the loans offeredAPRC of the loan granted to you in the amount of USD on time days is: The APRC was calculated in accordance with the formula attached as Annex 4 to the Act of May 12, 2011 on consumer credit and the assumptions contained therein.Obligation to conclude an additional agreement
To obtain a loan
You must conclude an additional contract, in particular an insurance contract or other contractNOT APPLICABLECosts you will be required to pay in connection with the loan agreement *Commission in the amount of USD and interest in accordance with the loan interest rate indicated above.Costs of running one or several accounts for making deposits and withdrawals *NOT APPLICABLECosts of using credit cards *NOT APPLICABLEOther costs that the consumer is obliged to bear in connection with the contract *The Applicant is obliged to transfer a one-time Registration Fee of USD 0.01 from his bank account to the Lender’s Bank Account prior to concluding the first Loan Agreement, to register the Customer Profile and verify his personal data.Conditions under which the costs associated with the loan agreement may change.
The lender is entitled to unilaterally change the terms of the Agreement
Changes in generally applicable law regarding the activities of the Lender in the field of activities related to the Agreement, which result in the obligation to change the terms of the Agreement, Changes in the method or form of rendering services by the Lender under the Agreement, provided that such changes ensure proper performance of the Agreement and whose implementation proves necessary for the smooth functioning of the technical, technological solutions and the IT system in force in the IT system,
In order to implement recommendations, recommendations or decisions issued by state authorities or institutions, in particular authorities competent in matters of consumer rights protection, which implies for the Lender the obligation to amend the Agreement, with the amendments introduced only to the extent necessary and will fully reflect introduced recommendations, recommendations or decisions,
The Lender will each time indicate to the Borrower electronically the proposed changes (together with the new text of the Agreement) and will notify the date of entry into force of the amendments, which may not be less than one month from the date of receipt of the notification. At the same time, the Lender will send the Borrower an amended Agreement in writing. Amendments to the Agreement shall enter into force if the Borrower does not terminate the Agreement with one month’s notice prior to the entry into force of the amendments.