Terms and Conditions

Purpose

These general terms and conditions define the rights and obligations of the parties in the context of the provision of banking and financial services by CeSA BANK to its clients, whether loans, bank cards, deposit accounts or insurance services.

Any order for a product or service from CeSA BANK implies full and unconditional acceptance of these general terms and conditions.

Products and Services

2.1 Loans and Credits

CeSA BANK offers several types of loans:

• Mortgage Loan: financing of real estate (main residence, secondary residence, rental investment)
• Car Loan: financing of new or used vehicles
• Personal Loan: financing of personal projects without proof of use
• Revolving Credit: available credit reserve that can be used at any time
• Student Loan: financing of studies with deferred repayment

The detailed characteristics of each loan (amount, duration, rate, APR) are specified in the loan offer provided to the client before signing.

2.2 Bank Cards

CeSA BANK offers four card ranges:

• Classic Card: €0 / month – Daily limit €1,000
• Gold Card: €9.90 / month – Daily limit €3,000 – Premium insurances included
• Platinum Card: €19.90 / month – Daily limit €5,000 – 24/7 Concierge service
• Business Card: from €15 / month – For professionals – Advanced management tools

2.3 Insurance

CeSA BANK offers insurance contracts in the following areas:

• Home insurance
• Car insurance
• Health insurance (supplementary)
• Travel insurance

Detailed coverage, exclusions and sums insured are specified in the special conditions of each contract.

Financial Terms and Fees

3.1 Interest Rates and Charges

Interest rates applicable to loans are set in the loan offer and may be:

• Fixed: the rate remains constant throughout the term of the loan
• Variable: the rate may change based on a reference index (as provided in the contract)

3.2 Application Fees

Application fees may apply depending on the product:

• Mortgage loans: 1% of the borrowed amount (capped at €1,000)
• Car loans and personal loans: free for online applications
• Bank cards: activation fee waived

3.3 Main Fee Schedule

Service	Fee	Conditions
Current account maintenance	Free	No minimum balance required
Classic Card	€0 / month	Included with the account
Gold Card	€9.90 / month	Insurances included
Platinum Card	€19.90 / month	24/7 Concierge service
Business Card	€15 / month	Per card, tiered pricing
SEPA Transfer	Free	Online
Direct Debit	Free
ATM Withdrawal (Eurozone)	Free	3 per month, then €1

Subscription Process

4.1 Loan Application

1. Online simulation (free and non-binding)
2. Submission of application with supporting documents
3. Review by our services (response usually within 24 hours)
4. If accepted: issuance of the loan offer
5. Electronic signature of the contract
6. Funds made available within 48 hours

A current account is automatically opened upon loan acceptance.

4.2 Card Application

1. Selection of the card in the client area
2. Eligibility check
3. Electronic signature of the contract
4. Delivery of the card within 5–7 business days

4.3 Insurance Subscription

1. Personalized online quote
2. Selection of coverage
3. Electronic signature
4. Immediate coverage effect

Payment Terms

Clients may make repayments and payments using the following methods:

• Direct Debit: preferred payment method for loan instalments
• Bank Transfer: from an external account
• Credit/Debit Card: for one-off payments
• Cheque: accepted under certain conditions

Loan instalments are automatically debited on the 5th of each month. In case of payment incident, rejection fees may apply according to the current fee schedule.

Right of Withdrawal

In accordance with applicable regulations, you have a right of withdrawal of:

• 14 calendar days for consumer credit (personal loans, car loans, revolving credit)
• 14 calendar days for insurance contracts
• 14 calendar days for banking services (cards)

For mortgage loans, the withdrawal period is 10 calendar days after acceptance of the offer.

The right of withdrawal can be exercised without giving any reason and without penalty, except for any application fees already incurred.

Early Repayment

The borrower may repay the outstanding capital in full or in part at any time. The conditions are as follows:

• Early repayment indemnity capped at 3% of the outstanding capital
• No indemnity if repayment is due to the sale of the property (mortgage loan)
• No indemnity for consumer loans under €10,000

Liability and Guarantees

CeSA BANK undertakes to implement all necessary means to ensure the proper functioning of its services. However, its liability cannot be engaged in case of:

• Force majeure
• Unforeseeable and insurmountable act of a third party
• Fault of the client
• Failure or malfunction of communication networks

Bank guarantees and insurance coverage are detailed in the special conditions of each contract.

Complaints and Mediation

Any complaint must be sent in writing to:

CeSA BANK Customer Service
Greater London SW1A 3QD
United Kingdom
Email: support@cesabk.com

In case of persistent disagreement, the client may refer the matter free of charge to the banking mediator:

CeSA BANK Mediator
To the attention of the Mediator
Greater London SW1A 3QD
United Kingdom

The mediator must be contacted within a maximum period of one year from the initial written complaint.

Applicable Law and Jurisdiction

These general terms and conditions are governed by French law. In the event of a dispute, and after exhaustion of the complaint and mediation procedures, only the French courts shall have jurisdiction.