Kudos to you for reading the Terms. I would like to add that when changing terms, changes should be listed somewhere. T212 should know that no one but MikeC is going to read the full terms again to find tiny differences!
it is called the small print, because no one wants you to read it
Agarkov changed some parts for his own benefit – most notably, the small print. He opted in for a 0% APR and no fees, and added that the customer “is not obliged to pay any fees and charges imposed by bank tariffs.” He also changed the URL of the site where the terms and conditions were published from www.tcsbank.ru to tcsbank .at.ua . Additionally, he added a special clause that would protect him should the bank break the agreement in a unilateral manner. For each unilateral change in the terms provided in the agreement, the bank would be asked to pay the customer (Agarkov ) 3 million rubles (about $91,000), or a cancellation fee of 6 million rubles ($182,000).