• Loan amount - up to 20000 Somoni • Loan term - up to 12 months • Loan currency - Somoni • Interest rate - 15% per annum How to calculate the annual effective interest rate on a loan:

Pt - payments for the period t; t - is (1..., N) the number of periods (day, month and year); S - is the amount of the loan granted; F - expenses related to servicing when receiving a loan; IRR - is the annual effective interest rate. To calculate interest as a basis, 360 days per year are taken into account if the loan is issued with a maturity of up to 1 year inclusive and 365 days for loans with a maturity of more than 1 year. The accounting of calendar days per year (360 or 365) is carried out in the same way when calculating interest on loans and/or borrowed funds (deposits, etc.). The method of calculating the interest rate on a loan, determined by the regulatory legal acts of the NBT: To calculate interest as a basis, 360 days per year are taken into account if the loan is issued with a maturity of up to Calendar days per year (360 or 365) are recorded in the same way when calculating interest on loans and/or borrowed funds (deposits, etc.). 1 year inclusive and 365 days for loans with a maturity of more than 1 year. When calculating interest on loans, the following formula is applied: 𝐒 = (𝐤∗𝐫∗𝐭)/𝐃∗𝟏𝟎𝟎 S - is the accrued interest amount on the loan; K - is the balance of the loan; R - is the annual interest rate of the loan; T - is the number of credit days used; D - is the number of calendar days per year (360 or 365).