CONSUMER CREDIT

Guarantor's identity card, a document confirming income.

500 AZN or ekv.

30.000 AZN

Salary Client Group — - Repeat customer — With bail: 1-12 months 13%, 13-36 months 14% — Without guarantors: 1-12 months 15%, 13-36 months 16% — - New customer — With bail: 1-12 months 14%, 13-36 months 15% — Without guarantors: 1-12 months 16%, 13-36 months 17% — Other customer group — - Repeat customer — With bail: 1-12 months 15%, 13-36 months 16% — Without guarantors: 1-12 months 17%, 13-36 months 18% — - New customer — With bail: 1-12 months 16%, 13-36 months 17% — Without guarantors: 1-12 months 18%, 13-36 months 19%

1% of the loan amount

350 AZN (minus taxes-for borrowers and guarantors)

6 months

Min. 18-Max. 65

Salary Client Group — Up to 15.000 AZN without guarantors, from 15.001 to 30.000 AZN 1 guarantor. — For a loan higher than 30,000 AZN, real estate collateral is required. — Other customer group — Up to 10.000 AZN without guarantors, 10.001-20.000 AZN 1 guarantor. — For a loan higher than 20,000 AZN, real estate collateral is required.

In such a way that the monthly loan payment does not exceed 45% of the monthly income, it corresponds to the income

Properties received as collateral must be insured. — - The insurance amount is calculated over the market value of the pledged property. — The term of the insurance certificate must be the same as the loan term.