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Flexible repayment methods and guarantees

Fast settlement of the loan application

Advantageous lending term of maximum 36 months, with the option to choose a grace period of maximum 12 months

Visualizing of the financial status and of the current account/card transactions via Internet Banking and Mobile Banking Services provided by the Bank.

Destination:

- to fund the expenses with the establishment of temporary or seasonal stocks;

- to roll-over some loans for stocks contracted with other financing institutions, as well as some loans for stocks granted by the business partners under some contracts

Eligible customers: any natural person customer with satisfying financial results and a good background, in terms of paying conduct, as debtor to the State, business partners and credit institutions, according to the internal rules of the Bank.

Loan amount: it shall be established at the level of the stocks to be supplied, in correlation with the repayment capacity of the customer.

Currency: LEI/EUR/USD

Lending term: maximum 36 months

Grace period: maximum 12 months, according to the business specificity

Guarantees: any guarantees or mix of guarantees among those agreed by the Bank with

Loan repayment:

- maturity dates may be established, by mutual agreement with the customer, according to the credited stock marketing deadlines;

- interest shall be monthly paid.

Flexible methods of repayment and guarantees

Fast solving of the loan application

Permanent possibility of repayment, during the whole validity period of the loan

Crediting period of maximum 24 months, with possibility of drawing depending on the financing necessities

Visualizing of the financial status and of the current account/card transactions via Internet Banking and Mobile Banking Services provided by the Bank.

Destination: financing of the expenses of establishment of the temporary or season stocks, necessary for the activity in agriculture, by granting of a facility of loan on medium term, with revolving character, for traders in agriculture.

Eligible customers: any customer legal person with satisfying financial results and a good history of the payment behavior in the relationship with the State, business partners and loan institutions, according to the internal regulations of the Bank and which develops its activity in agriculture, without interruption, for at least 2 years.

Loan value: is established starting from the value of the supplied stocks, correlated with the customer’s capacity of sales and repayment.

Currency: LEI/EURO

Loan period: maximum 24 months.

Guarantees: any guarantees or mix of guarantees of those accepted by Bank.

Loan repayment:

- possibility of permanent repayment, during the whole validity period of the loan.

- the interest is paid monthly.