Variants to restructure loans

- Changes in schedule of debt overdue repayment (there is no need in reassessment of collateral property):
А) approaching of payment day on the loan and or fee to the day of receiving main money funds of the Borrower;
Б) for multicurrency credit lines where credit limit is set in Hryvnia equivalent for loan pressure diminishing as well as for not allowing to exceed credit limit, which appears in the result of exchange fluctuations, setting of repayment schedule first in foreign currency, then in Hryvnia.

- Rescheduling last date of loan repayment:
This variant of restructure allows diminishing pressure on loan by loan agreement prolongation when payments are divided in proportion to a new loan term.

- Deferral of the principle part of debt on credit operation:
For more significant monthlyquarterly decrease of payment the Bank can offer to the Borrower For sufficient reduction of monthlyquarterly payments the Bank can offer to the Borrower deferral period of monthlyquarterly payments on principal part in full or partial amount with term up to 12 months. In this period the Borrower, meeting the terms of additional agreement to the loan agreement will pay only interestfees and not able to make payments on return of principal part of the debt by loan operation.

- Deferral of accrued income (interest, fees) on loan operation:
Partial deferral of accrued interest/fees on loan can apply at the same time with full deferral of monthly payments on principal debt for the period of such deferral period. Schedule of other payments on loan are maid within in such a way that during the period of deferred interest payment the Borrower has to pay monthly on loan, part of total amount of deferred interest and amount of current interest.

- Reduction of interest rate amount:
Reduction of interest ratefee on loan (made on timely base).

- Refinancing of current debt on loan agreement:
Refinancing of current debt on loan agreement is made by concluding an agreement on providing the loan (trench) to refinance current debt (principal debt amount, accrued interest and fees) on loan that is being restructured.

- All aforesaid terms of restructure;

- All aforesaid terms of restructure at the same time with overdue debt refinancing:
restructure is made according to aforesaid variants of loan restructure, with entering to the loan granting agreement at the same time (trench) to refinance overdue debt (principal debt amount, accrued interest and fees) on loan under restructure.

- Full refinancing of all current debt on loan agreement:
Restructure is made by full refinance of all current debt on loan agreement (current and overdue loan debt, accrued interest and fees).
Compulsory condition of loan restructure is confirmation by the Borrower of the intention and ability to repay the loan by payment not less than 20% of total amount of overdue debt on the day of making decision on restructure or at the day of concluding agreement with new credit terms.

- Reduction of the amount or non appliance of penalties stipulated in the loam agreement:
In some cases to reduce loan pressure on the Borrower the decision is made as for full or partial non charge of accrued but non paid by the Borrower at the time of decision on restructure of finance sanctions is made (fines, penalties, forfeit and so on).

Additional information:
·    The Borrower can be offered one or several standards variants at a time on loan restructure.