PUBLIC JOINT STOCK COMPANY «ZLATOBANK» , Kyiv, Ukraine 2

Trade finance. Credit line from LandesBank Berlin, Germany

Finance under line is executed in a form of goods for credit without getting the money directly to importer’s account held with PJSC “Zlatobank”.

The main terms and conditions of credit line of LandesBank Berlin:

According to the conditions of the Basic Agreement LandesBank Berlin, Germany finances the export of goods from Germany to Ukraine under insurance cover of export-credit agency Euler Hermes Deutschland.

was signed the Basic Agreement between LandesBank Berlin, Germany and PJSC “Zlatobank” concerning the finance of German’s export to Ukraine under insurance cover of export-credit agency - Euler Hermes Deutschland, Germany.

Sum of credit : - min. EUR 250 000,00; max. EUR 5 000 000,00, but not more than 85% from the total sum of contract;

Currency of credit: - EUR/USD; Credit term: - up to 5 years; Repayment condition: - in 10 (ten) equal semi-annual instalments; Interest: - six-month EURIBOR + margin of bank (*); Commissions under credit: - commission for obligations (*);

- commission for a management a credit(*); Exporter: - company - resident of Germany/European Union; Importer: - company - resident of Ukraine; Goods: - any industrial products sourcing from Germany (100%) or

making the productions of Germany not less than 60%; Payment conditions under contract: - prepayment in a sum not less than 15% from the sum of contract;

- issuance of letter of credit in favour of Exporter Insurance premium of Euler Hermes Deutschland: - included in the total sum of contract (*). (*) depends on the particular terms and conditions of the contract

July 04, 2012 -

PUBLIC JOINT STOCK COMPANY «ZLATOBANK» , Kyiv, Ukraine 3

Preconditions of the credit, to be executed by the sides:

issuing the mandate by LandesBank Berlin concerning the conditions of the finance; conclusion of individual credit agreement (ICA) between LandesBank Berlin and PJSC “Zlatobank”; obtaining the Legal opinion under ICA; getting insurance cover from Euler Hermes Deutschland; registration of Individual credit agreement by the National bank of Ukraine; issuance of letter of credit by SC “Zlatobank” in behalf on Exporter; getting the confirmation about the start point of crediting process from LandesBank Berlin.

Trade finance. Credit line from LandesBank Berlin, Germany

PUBLIC JOINT STOCK COMPANY «ZLATOBANK» , Kyiv, Ukraine 4

Chart of financing under Credit line from LandesBank Berlin, Germany

LandesBank Berlin, Germany

Euler Hermes Deutschland,

Germany

Exporter(company - resident of

Germany/European Union)

Importer (company - resident of

Ukraine)

PJSC «Zlatobank» Kiev, Ukraine

1. Signing of the contract (purchase and sales contract) between Exporter and Importer;2. Signing of: 2.1. individual agreement (IA) between JSC “Zlatobank” and LandesBank Berlin; 2.2. credit agreement between JSC “Zlatobank” and Importer;3. Registration of IA in NBU;4. Advance payment in amount of 15% from the total sum of contract (purchase and sales contract); 5. Application for issuance of L/C from Importer;6. Issuance of L/C by JSC “Zlatobank”; 7. Advising L/C to Exporter;8. Presentation of the documents under L/C by Exporter to LandesBank Berlin;9. Payment under LC in favour of Exporter;10. Providing the credit to Importer;11. Repayment by Importer + % (in ten equal semi-annual payments)

(* ) Issuance of insurance cover by Euler Hermes Deutschland;.

1.

2.1.NBU

2.2.

3.

5.7. 8. 9. 10.

6.

11.

4.

(*)

PUBLIC JOINT STOCK COMPANY «ZLATOBANK» , Kyiv, Ukraine 5

Tel.: +38 044 495 81 60+38 044 495 81 61

Address: 17/52 B. Khmelnytskogo Str, Kyiv, 01030, Ukraine

E-mail: bank@zbank.com.uawww.zbank.com.ua

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