(1) An amendment to the framework contract on payment services arranged by the payment service provider is contingent on the latter offering the intended amendment no later than two months prior to the proposed time of effectiveness to the payment service user in the form provided for in Article 248 sections 2 and 3 of the Introductory Act to the Civil Code (Einführungsgesetz zum Bürgerlichen Gesetzbuche).
(2) The payment service provider and the payment service user may agree that consent by the payment service user to an amendment under subsection (1) is deemed to have been given if the latter has not notified the payment service provider of their rejection prior to the proposed time of effectiveness of the amendment. In the event of such an agreement, the payment service user also is entitled to terminate without notice the framework contract on payment services prior to the proposed time of effectiveness of the amendment. The payment service provider is obliged to notify the payment service user, at the time of making the offer to amend the agreement, of the consequences of their remaining silent, as well as of the right to terminate free of charge and without notice.
(3) Changes to interest rates or exchange rates become effective immediately and without any prior notice insofar as this was agreed in the framework contract on payment services and the changes are based on the reference interest rates or reference exchange rates agreed therein. The reference interest rate is the interest rate that is taken as a basis for calculating the interest and that originates from a publicly available source which both parties to a payment service agreement are able to verify. The reference exchange rate is the exchange rate that underlies each currency exchange and that is made available by the payment service provider or that originates from a publicly-accessible source.
(4) The payment service user may not be placed at a disadvantage by means of agreements on the calculation under subsection (3).