LENDING TERMS

• Up to 15 years inclusive - against mortgage;
• Up to 7 years inclusive - against mixed collateral;
• Up to 5 years inclusive - against vehicle.

LOAN AMOUNT[

• Up to 60% of collateral value when lending against residential real estate;
• Up to 55% of collateral value when lending against non-residential real-estate;
• Up to 50% of collateral value when lending against cars used for personal purposes and against mixed collateral;
• Up to 50% of collateral value when lending against mixed collateral;
• Up to 40% of collateral value when lending against cars used for commercial purposes.

Loans in foreign currency	Up to 5 years		Up to 7 years		Up to 15 years
	USD	EURO	USD	EURO	USD	EURO
- against mortgage	22.00	17.00	22.00	17.00	22.00	17.00
- against mixed collateral	22.30	17.30	22.30	17.30	-	-
- against pledge of car	23.00	18.00	-	-	-	-
- loan disbursement fee	1.00	1.00	1.00	1.00	1.00	1.00

Loans in national currency	Up to 5 years	Up to 7 years	Up to 15 years
- against mortgage	22.00	22.00	22,00
- against mixed collateral	22.30	22.30	-
- against pledge of car	23.00	-	-
- loan disbursement fee	1.00	1.00	1.00

Additional costs** :

1. Insurance services: Of pledged property - 0,25-0,3% of collateral value; Against accident - 0,3-0,55% of loan amount if loan amount is not less than USD150 000 (inclusive); Life - from 0,28-2,0% of loan amount by decision of Credit-Investment Committee of the bank and/or Credit committee of the branch.

2. Notary services: Mortgage agreement execution - pursuant to the tariffs of certain notary in the region; Other services.

3. State duties: When property is pledged to the bank - 0,1% of collateral value;

________________________________ ** additional costs are mentioned on the current date