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Terms and conditions

Conditions /MNT/	Overdraft Loans for Corporate
Current account minimum balance	0 MNT
Current account interest /annual/	According to the Bank’s General Terms and Conditions on Service Fees and Charges
Maximum Loan Amount	Up to MNT 500 million or up to 20 percent of the average current account balance of the last 12 months
Basic interest rate /annual/	21.6%
Basic interest rates Increased Interest /annual/	24.0%
Period of use	up to 12 months
Repayment period	30 days /counting from the date of overdraft utilization/
Service fee	1% of the amount or the maximum amount is 1,000,000 MNT
Benefits of Changes to the Original Loan Term	1% of the amount or the maximum amount is 1,000,000 MNT
Application Fee	30,000 MNT
Credit database reference fee	For each inquiry during the loan investigation /Citizen, Organization/ – 1,000 MNT

Main Conditions of the Multilateral Line
Structure and Purpose	up to 200,000,000 MNT
	Guarantee Authority		Working Capital Loan
	100,000,000 MNT		100,000,000 MNT
Interest	Guarantee commission:*	Annual interest 3.00-5.00%	Loan interest	Monthly 1.8% Annual 21.6%
Period of the Line of Credit	12-18 months
Commitment interest**	Annual 1.5%
Fee for Opening a Multilateral Credit Line***	0.5% of the Credit Line Amount
Guarantee Issuance Fee	0.00 MNT
Fee for Guarantee Amendments
Creditworthiness Statement Fee
Collateral	Collateral Requirements for Performance of Obligations under the Multilateral Credit Line: 50% in Real Estate. 50% in Movable Assets.
Conditions for Guarantee Invocation and Payment Obligation Fulfillment from Loan Funds
Loan Terms Related to Fulfillment of Guarantee Payment Obligations	Loan amount	Guarantee Amount + Outstanding Risk Fee Amount
	Loan period	up to 3 months
	Loan interest	MNT 24.0%

Loan application letter. /Required loan amount, interest rate, term, collateral/
Loan application /Bank form/
Resolution of the Board of Directors /Shareholders’ Meeting/ on taking a loan. /The decision specifying the requested loan amount, interest rate, term, and collateral and appointing the person authorized to sign/
A copy of the certificate and charter must be certified by a notary;
Copy of the identity card of the person authorized to sign the loan agreement / founders, general director, executive director, etc.,
List of vehicles and equipment to be pledged, certificates
Other necessary additional materials

Conditions	MNT	USD
Loan amount	Up to 3.5 billion MNT and equivalent currency
Loan interest /month/	2.0%-1.6%	1.5%-1.0%
Loan interest /annual/	24.0%-19.2%	18.0%-12.0%
Commitment interest /annual/	4.2%-2.8%	3.6%-2.0%
Loan terms	up to 12 months
Service fee	1% of the loan amount, maximum amount of 1,500,000 MNT and equivalent currency
Increased interest	The increased interest rate is equal to 20% of the principal interest rate
Fee for modification of the original loan conditions	0%
Application Fee	30,000 MNT
Credit database reference fee	For each inquiry during the loan investigation /Citizen, Organization/ – 1,000 MNT

Loan conditions
Maximum loan amount	Up to 500,000,000 MNT
Loan interest /annual/	19.2%-24.0%
Loan interest /monthly/	1.6%-2.0%
Loan terms	up to 36 months
Service Fees	1% of the loan amount or the maximum amount is 3,000,000 MNT
Increased interest	The increased interest rate is equal to 20% of the loan interest rate
Collateral	Business-use real estate, apartments, private houses, and heated parking spaces that can be quickly sold.
Application Fee	30,000 MNT

Actual cost /annual/: 21.1%-25.9%