Autoloan (primary market)

No.

Indicators

Basic Terms and Conditions

1

Loan Purpose

For purchase on the primary market of motor vehicles manufactured/assembled in Uzbekistan by domestic manufacturers or of BYD vehicles sold by official BYD distributors/dealers in Uzbekistan, of vehicles sold by “Roodell” LLC, as well as for the payment of insurance premiums.

2

Loan Term, Down Payment and the Loan Interest

Loan Term

Grace Period for the Loan Principal

Down Payment

Interest Rate on the Loan

For Persons with Income Source:

Not more than 60 months

Up to 3 months

Minimum 15%

26% per annum

Minimum 25%

25% per annum

For Self-Employed:

Not more than 60 months

Up to 3 months

Minimum 25%

27% per annum

Minimum 35%

26% per annum

Minimum 50%

25% per annum

3

Loan Amount

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

The granted loan amount shall not exceed seventy-five (75) percent of the value of the collateral pledged as security for the loan.

If the borrower fails to pay a down payment large enough to fulfill this requirement, other piece of liquid property shall be additionally pledged as collateral in accordance with the credit policy requirements.

4

Loan Disbursement

Transfer of money under a contract concluded with a manufacturer or an official dealer or a supplier of motor vehicles (including a commission agent).

5

Loan Repayment

Annuity or differentiated payment

6

Loan Security

- A motor vehicle to be purchased;

- Non-Payment Insurance Policy prior to pledging the purchased vehicle 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 car is not pledged).

7

Additional Term

When the loan is granted to persons with no source of income, i.e. the self-employed, the borrower shall reach twenty-one (21) years of age as of the loan application date.