Deposit «More Autumn»

Interest on a deposit is accrued from the date of receipt of the amount of the deposit to the account for accounting of deposits, inclusively up to the day preceding the day of return of the deposit. If the date of return of funds on a deposit falls on a non-business day, then the return of funds on the deposit is made on the first business day following the non-business day. In this case, interest on the deposit for non-business days is calculated and paid at the rate established for the deposit.

On the day of the maturity of the return of the deposit, the accrued interest is added to the amount of the deposit and paid together with the amount of the deposit both in cash and by bank transfer in accordance with the law.

Partial withdrawal of the deposit amount is not permitted (except for the amounts of capitalized and unclaimed interest).

The depositor has a right to request a withdrawal of the full amount of deposit before the maturity period (early termination of the Agreement).

If funds are debited from the deposit in an undisputed manner in accordance with the law, interest on the deposit for the period of its actual storage is accrued at the rate applicable to the depositor on the deposit "on demand" for individuals in the currency of the deposit on the date of the transaction.

In case of return of the amount of the deposit before the due date of its return (early termination of the Agreement) at the request of the Depositor, interest on the deposit is calculated at the rate of the deposit "on demand".

Before the maturity of the return of the deposit, it is allowed to return the depositor the amount of interest accrued to the deposit. In this case, the recalculation of interest on this amount is not performed.

In case of early termination of the agreement, interest on the deposit for the period of its actual storage is accrued at the "on demand" deposit rate for individuals in the deposit currency effective on the date of the transaction, is credited to the deposit amount and paid together with the deposit amount.

In case of early return of the deposit, the difference between the actually accrued (paid) interest until the early termination of the agreement and the amount of interest calculated at the rate of "on demand" deposit is determined. If the accrued (paid) amount of interest exceeds the calculated amount, then the depositor is obliged to return the amount of overly accrued (paid) interest. The amount of overpaid interest is withheld by the payment order, unless otherwise provided by law, from the amount of the deposit. In case of early termination of the agreement after the extension of the storage period, the recalculation of interest is carried out only for the period from the date of the last extension of the storage period to the day preceding the date of early return of the deposit.

In case of non-claim of the deposit (in the amount of the deposit balance, taking into account the accrued interest) after the expiration of the storage period initially established by the agreement, the deposit storage period is extended by the same initial deposit storage period, without the Depositor's direct presence, subject to the application of the amount of interest on this deposit established by the collegial body of the Bank and acting on the date of extension of the deposit storage period. Extension of the deposit storage period for a new term (similar to the original deposit term) without the direct presence of the Depositor can be carried out 5 (Five) times.

To cancel the automatic extension of the deposit storage period, the depositor can contact the Bank's subdivision or independently via the RBSS 3 working days before the deposit return deadline, draw up an application for the return of the deposit amount to the account from the BPC in the appropriate currency.

In case of non-claim of a deposit at the end of the storage period, taking into account the extension of the term, the amount of the deposit, taking into account the accrued interest, is transferred by the payment order, unless otherwise provided by law, to the account for accounting of deposits "on demand" of individuals. From the day of the specified transfer on the amount of the deposit, the monthly interest is accrued and credited to the amount of the deposit in the amount established for the deposit "on demand" in the appropriate currency.

A revocable fixed-term bank deposit "More Autumn" agreement can be concluded in the name of another person provided that the Agreement is concluded at the Bank’s office.