Typical Characteristics of our Credit Products

Credit purpose	to support growth of your business
Tenor	from 6 upto 36 months (3 years)
Amount	1'000'000.- upto 15'000'000.- Rubles (Max. USD 500'000.-)
Payback	monthly equal installments (Annuity) in line with your cash flow requirements; possible grace period upto 6 months
Collateral	very flexible approach in line with your cash flow thru bank accounts; pledge of your receivables, goods at turnover/stock, transport vehicles, real estate and others
Interest rates	from 12.00 % per annum (1.0% per month) charged over outstanding credit amount
Loan Arrangement fee	1.0% flat charged upfront over initial credit amount
Loan Administration fee	0.0 % - 0.4% charged monthly (based on our credit scoring system)
Early credit payback	allowed without any charges/penalties