we’ve added a provision saying that if you intend to deposit funds subject to protection under generally applicable laws, you must notify us about this and meet the conditions set out in the Regulations (Article 5 (7)),

we’ve clarified that you must notify us immediately about any changes to the Specimen Signature Card (Article 15, Article 22), and that non-residents must confirm data changes in accordance with the rules set out in the Regulations (Article 15),

we’ve specified the scope of a general power of attorney within the meaning of the Regulations by clarifying that an attorney-in-fact has the right to use the funds in an account to the same extent as the customer (Article 17 (1)),

we’ve clarified that if you want to grant a power of attorney to use the funds in your bank account by correspondence, you must submit a written power of attorney with notarised signatures and copies of identity documents notarised as true copies to the bank (Article 19 (1) (2));

we’ve added information about changes in cash services. To use cash services, you must submit an Application for Cash Services to the bank along with the relevant declarations. We provide cash services, including closed cash deposits and withdrawals, on the terms and conditions set out in the Regulations for Cash Services and in the Regulations (Article 41);

we’ve modified the examples of important reasons authorising the bank to terminate a bank account agreement (Article 59):
1. we’ve reworded Article 59 (2) (10) to indicate that a bank account agreement may be terminated if liquidation or enforcement proceedings were initiated against the customer, or if the customer is at risk of insolvency,
2. we’ve added a new reason in Article 59 (2) (22) reading “the Payment Service Provider’s licence was revoked”,

we’ve added a provision that we can sign termination notices, statements of intent and knowledge and notifications:
1. using an electronic signature, or
2. in the case of statements of intent and knowledge and notifications related to banking activities, using an advanced electronic seal of the bank or a qualified electronic seal of the bank. (Article 76).

we’ve updated the chapters “Special Rules for Execution of Orders in the Cash Module” and “Special Rules for Execution of Postal Orders”,

we’ve added a provision that we can sign statements of intent and knowledge and notifications:
1. using an electronic signature, or
2. in the case of statements of intent and knowledge and notifications related to banking activities, using an advanced electronic seal of the bank or a qualified electronic seal of the bank (Article 89),

we’ve removed appendix no. 4 to the mBank CompanyNet System Customer’s Access Rights Card “Instruction to allocate/modify/remove the rights to use the website https://upload.mbank.pl/upload/ and displays of confirmation of receipt documents under postal orders”.