Autoloan “BYD Avto”

1

Loan Purpose

Purchase of BYD vehicles from official BYD dealers in Uzbekistan on the primary market

*Note: Applicable car brands: Song Plus Champion Hybrid, Song Plus Champion EV, Song Pro, Chazor, Yuan Up.

2

Loan Term

Up to 36 or 60 months (without grace period)

3

Down Payment and Loan Interest

Down Payment (of the vehicle’s price)

From 20%**

From 30%

From 40%

From 50%

Loan interest (annual)

21,9%

20,9%

19,9%

18,9%

** Note: In accordance with the Regulation “On Macroprudential Standards Applicable to Banks and Requirements for Maximum Size of Loan (Microloan) Payments” registered with the Ministry of Justice of the Republic of Uzbekistan on April 22, 2025, No.3618, if it is impossible to increase the loan to collateral ratio by more than 75 (seventy-five) percent, the down payment amount should not be less than 25 (twenty-five) percent.

3

Loan Amount

Unlimited, but not exceeding* 75 (seventy five) percent of the collateral accepted as security for loan.

In other words, the granted loan amount shall not exceed 75 (seventy-five) percent of the collateral provided as security.

*Note: In accordance with the Regulation “On Macroprudential Standards Applicable to Banks and Requirements for Maximum Size of Payments on Loans (Microloans) issued by Banks” registered with the Ministry of Justice of the Republic of Uzbekistan on April 22, 2025, No.3618, within the specified limit, the granted loan amount may exceed 75 (seventy-five) percent, but cannot go beyond 90 (ninety) percent of the collateral value.

4

Loan Disbursement

Transfer of money to bank accounts of official BYD dealers in Uzbekistan with JSC “Aloqabank” under a sales contract.

5

Loan Repayment

Annuity or differentiated payments

6

Loan Security

- Purchased motor vehicle;

- Non-Payment Insurance Policy until the purchased vehicle is pledged as collateral.

- Pledge of additional piece of liquid property pursuant to the credit policy requirements.

or

- Pledge of other liquid property (in cases when the purchased vehicle is not pledged).

7

Additional Condition

Pursuant to the Cooperation Agreement between “BYD CENTRAL ASIA” LLC JV and Aloqabank, the former shall place deposit funds to the bank for loans issued within this credit product.

List of official BYD dealers in Uzbekistan eligible to work with the bank within this credit product:

- “ASTANA MOTORS COMPANY” LLC FE;

- “MK DIRECT” FE LLC;

- “UNILAND-MEGAWATT” LLC FE;

- “BENI-MOTORS” LLC;

- “VORIS MOTORS KELES” LLC;

- “A-AUTOZONE” LLC;

- “BEDACHI” LLC FE;

- “SANCAR MOTORS” LLC;

- “AMIN-MULLA” FE;

- “ASTER AUTO TRADE” LLC FE.