General Terms of Societe Generale Expressbank
NOTIFICATION FOR AMENDMENT IN THE CONTRACTS FOR CONSUMER AND HOUSING LOANS FOR INDIVIDUAL CLIENTS
Actuated by the aspiration for constant improvement of the quality of the services for its customers, the management of “Societe Generale Expressbank” AD took decision to revise the texts of the consumer and housing loans contracts.
In that connection we would like to inform You that some of the contract conditions, given bellow, which are estimated as impeding the clients to execute the contract, shall not be applied by the Bank in its relations with the clients granted with consumer/ housing loans, unless the client insists for the execution of this conditions:
Reimbursement to the Bank on behalf of the Client of the extraordinary expenses related to the granting, collateralizing and collecting the loan
The unilateral right of the Bank to decide whether to change the contract interest rate when the basic interest rate of “Societe Generale Expressbank’ AD is changed
Inclusion of other expenses in the calculation of the APRC of consumer loan except the expenses for nominal rate, fees, commissions and mandatory insurances.
Acceleration of the loan in case of constant impossibility for the Bank to contact the client
Inclusion in the Client’s payment obligation, in case of acceleration of the loan, of extraordinary expenses, related to the granting, collateralizing, management and collection of the loan.
NOTIFICATION FOR AMENDMENT IN THE CONTRACTS FOR ISSUING OF DEBIT AND CREDIT CARDS FOR CORPORATE CLIENTS
“Societe Generale Expressbank” AD hereby informs you that as from 1st of June 2012 amendments are brought in the agreements for the issuance of credit and debit cards for corporate clients.
The change relates to the term and cancellation of the contract.
The amended contracts are available on the link hereunder.