Thus, interest accrued on deposits is taxed regardless of the amount and currency of the deposit. Starting from 01.01.2016, the personal income tax rate is valid. It is 18% and an additional 1.5% of the military fee is paid. Please note that only accrued interest is taxed, not the entire deposit amount.

• monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of extension of the Deposit term or simultaneously with the return of the Deposit amount upon maturity of the Deposit - by crediting to the current account/current account using the Depositor's payment card;
• simultaneously with the return of the Deposit amount upon maturity of the Deposit or on the day of extension of the Deposit term - by crediting to the current account/current account using the Depositor's payment card;
• monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of return of the Deposit amount upon maturity of the Deposit by transferring the relevant amount to the Deposit account (capitalisation of interest), which leads to an increase in the Deposit amount by the amount of accrued interest.

Early termination of the deposit is possible if it was stipulated by the terms of the deposit. For example, the "Maximum income" deposit does not provide for the right to early termination, and the "Optimal" deposit provides for the right to early termination.

All deposits are set to automatic renewal or auto-renewal mode by default. If you do not apply to the bank to withdraw the automatic renewal mode, the deposit validity period will be extended for the same period for which the deposit was opened, using the interest rates that will be valid at the time of renewal. If the loyalty program provides additional bonuses, they will be applied automatically. You can remove the auto-renewal mode either by contacting a bank outlet or independently in the CIB-online Internet Banking System.

You can cancel the deposit prolongation by:

- submission of an application to a bank outlet during the period of validity of the bank deposit agreement, no later than the end of the business day of the relevant bank outlet;

- by contacting the Contact Center by phone during the period of validity of the bank deposit agreement, no later than the end of the transaction day of the relevant outlet of the Bank;

- using the CIB-Online system no later than the business day preceding the expiration date of the Deposit.

The deposit may be renewed by submitting a written request no later than the end of the transaction day of the relevant outlet of the Bank.

Joint-Stock Company "COMINBANK" is a member of the Deposit Guarantee Fund for individuals.

Certificate of participation in the Deposit Guarantee Fund No. 106 dated November 06, 2012.

The maximum amount of deposit reimbursement is set in accordance with Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System" and is as follows:

During the period of martial law in Ukraine and three months from the date of termination or cancellation of martial law in Ukraine, the Deposit Guarantee Fund of Individuals (the Fund) reimburses each bank depositor in the full amount of the deposit, including interest accrued as of the end of the day preceding the day of the start of the bank's withdrawal from the market, except as provided for in part four of Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System".

Three months after the day following the day of termination or abolition of martial law in Ukraine, introduced by the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 64/2022, approved by the Law of Ukraine "On Approval of the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 2102-IX, the amount of the maximum amount of reimbursement of funds on deposits may not be less than UAH 600 thousand