Dear customers,

We inform you that as of 12.05.2025, changes to the General Terms and Conditions of BACB AD for the issuance and use of revolving international credit cards for individuals come into force:

• The documents, an integral part of the General Terms and Conditions, are being clarified and new, related general terms and conditions are being added, regulating additional services to a credit card (BACB General Terms and Conditions for the use of the "PIN by SMS" service, General Terms and Conditions for the use of the Apple Pay service, General Terms and Conditions for the use of the Google Pay service, etc.);
• Information is being added about Two-factor authentication for payments on the Internet using the B-Trust Mobile application (Art. 2.3, Art. 4.15. and Art. 5.2). ;
• Texts regarding the CashM service are being removed due to the suspension of the offer and from 01.02.2025. (Art. 3.1, Art. 6.7.1., Art. 6.7.2., Art. 6.7.3., and Art. 6.12)
• The possibility of receiving a monthly credit card statement by mail is removed (Art. 9.1.2 and Art. 9.2.);
• The possibility of unilaterally changing the minimum repayment installment by the Bank is removed (Art. 10.1.1);
• The text of Art. 11.3., related to early repayment and the basis for accrued interest in the event of early repayment of the credit card obligation, is clarified;
• The obligations of the Authorized User of an additional card are regulated in Art. 12.3.;
• Art. 18.7.3 is amended, clarifying the obligations of the cardholder for repayment;
• Art.26.1.2, Art.26.1.11, Art.26.1.12, containing declarations for familiarizing the client with the General Terms and Conditions and other related documents, are removed;

Sincerely,
The BACB Team