TERMS OF COMMERCIAL LENDING
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1 AMERIABANK CJSC 11CB PL Page 1/10 A B Loans to corporate clients A.1. Loans to large enterprises A.1.1. Secured by cash collateral, T-bills, standard gold bars A.1.2. Secured by property and equipment, guarantees and warranties, other securities A.1.3. Secured by cash flows, finished goods, raw materials or mixed collateral A.2. Loans to SMEs A.2.1. Secured by cash collateral, T-bills, standard gold bars A.2.2. Secured by property and equipment, guarantees and warranties, other securities A.2.3. Secured by cash flows, finished goods, raw materials or mixed collateral А.4. Renewable energy loans A.4.1. Secured by real estate A.4.2 Secured by property, plant and equipment, guarantees or other securities A.4.3 Secured by cash flows, finished goods, raw materials or mixed collateral A.3. Express loans A.3.1. Secured by real estate А.5. Loans to women in business 1 A.5.1. Secured by cash collateral, T-bills, standard gold bars A.5.2. Secured by property and equipment, guarantees and warranties, other securities A.5.3. Secured by cash flows, finished goods, raw materials or mixed collateral Line of credit B.1. Line of credit to large enterprises B.1.1 Revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral B.1.2. Non-revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral B.2. Line of credit to SMEs 1 Financing is provided to Armenia-based entities managed and/or owned by women.
2 AMERIABANK CJSC 11CB PL Page 2/10 C B.2.1 Revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral B.2.2. Non-revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral B.3. Line of credit to SMEs + B.3.1. Revolving line of credit B Secured by real estate B.3.2. Non-revolving line of credit B Secured by real estate B.4. Line of credit to women in business 1 B.4.1. Revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral B.4.2. Non-revolving line of credit B Secured by cash collateral, T-bills, standard gold bars B Secured by property and equipment, guarantees and warranties, other securities B Secured by cash flows, finished goods, raw materials or mixed collateral Overdraft to corporate clients C.1. Overdraft to large enterprises C.1.1. Secured by cash flows C.1.2. Other security C.2. Overdraft to SMEs C.2.1. Secured by cash flows C.2.2. Other security 1. LOANS (A.1, A.2, A.3, A.4, A.5)
3 AMERIABANK CJSC 11CB PL Page 3/10 # Terms 1 Principal amount Loans to large enterprises (A.1) Renewable energy loans (A.4) More than AMD or other currency equivalent of USD 1,500,000 2 Maturity period Up to 8 years Loans to SMEs (A.2) Renewable energy loans (A.4) Loans to Women in Business (A.5) Loans to SMEs (A.2), Renewable energy loans (A.4): Up to AMD or other currency equivalent of USD 1,500,000 Loans to Women in Business (A.5): AMD 150,000, ,000,000 Loans to SMEs (A.2), Loans to Women in Loans to agro-processing industry for procurement of agricultural raw materials If financed under GAF Energy Efficiency for SMEs program 2 Up to AMD 1,000,000,000 Up to AMD 500,000,000 If financed under GAF Renewa ble Energy Lending Progra m (positive financial and technica l conclusi on of progra m consulta nt is required ) Loans are availabl e only in AMD Up to 1 year Up to 5 years Up to 12 years 2 The cost of purchase of energy efficient equipment and facilities, infrastructure construction and other projects using renewable energy sources, should comprise at least 70% of the loan principal. The remaining 30% may be invested into other fixed assets of the borrower.
4 AMERIABANK CJSC 11CB PL Page 4/10 3 Maturity period of short-term loans (for import or export purposes) Grace period for payment of the principal Business (A.5): up to 5 years; A.4: up to 12 years Up to 6 months A.1, A.2, A.3, A.5: Up to 1 year Renewable energy loans (A.4): up to 3 years 2 3 months Up to 1 year Up to 2 years For loans in AMD From 12 % Small and medium loans (A.2, A.4): From 12 % Business (A.5): From 14% For loans in USD 4 Annual interest rate* Small and medium loans From 9 % (A.2, A.4): From 9 % For loans in EUR Small and medium loans From 8 % (A.2, A.4): From 8 % For short-term loans in USD and EUR (for import or export purposes) From 8% 12% (with possibility of 9% subsidy) 12% From 9.5 % The interest rate for loans in other currency is determined by the Management Board. In case of cash collateral % of the deposit (time or demand) + 4 %, if the loan and the deposit are denominated in the same currency % of the deposit (time or demand) + 5 %, if the loan and the deposit are denominated in different currencies
5 AMERIABANK CJSC 11CB PL Page 5/10 5 Loan disbursement fee (charged up front at the moment of disbursement). The Bank may opt to define a fee payment schedule in which case, if the Borrower repays the loan early, the outstanding amount of the loan disbursement fee shall be paid by the Borrower in full together with the principal or in accordance with the schedule defined by the bank. Up to 1 year maturity term: % of the contractual amount of the loan principal 1-2 years maturity term: % of the contractual amount of the loan principal Over 2 years maturity term: % of the contractual amount of the loan principal Loans secured by cash collateral: 0 % N/a Up to 1.5% Up to 1.5% 6 Late payment fee** Fine equal to 0.13% of overdue loan and overdue interest for each day of delay 7 Loan repayment 8 Early repayment** According to the schedule/at the end of the maturity period (monthly/quarterly/once in 6 months or at another frequency prescribed by the agreement) In cases defined by the agreement, an early repayment fee equal to up to 6-month interest for the prepaid amount may apply. A.1.1, A.2.1, A.5.1 cash, T-bills, standardized gold bars, bonds issued by Ameriabank A.1.2, A.2.2, A.5.2 pledge of property and equipment, guarantees and warranties, pledge of other securities 9 Loan security A.1.3, A.2.3, A.5.3 cash flows, current assets or mixed collateral A.4.1. real estate 3 A.1.2, A.1.3, A.2.2, A.2.3, A.3.1, B.1.1.2, B.1.1.3, B.1.2.2, B.1.2.3, B.2.1.2, B.2.1.3, B.2.2.2, B.2.2.3, C.1.2, C The Bank may request personal guarantees by the business founders/beneficial owners as additional security. 3 The property should be located in Yerevan.
6 AMERIABANK CJSC 11CB PL Page 6/10 A.1.1, A maximum 100 % (if the currency of the loan is the same as that of the collateral or, if different, it is included in the SDR basket) and maximum 95 % (if the currency of the loan is different from that of the collateral, except for the currencies included in the SDR basket) 10 LTV ratio*** a) up to 80 % of the appraised value of the collateral (in case of real estate) for loans with up to 84 months term and for energy loans; 90% if the DSCR of the borrower is 1.5 and above up to 70% if the loan (other than energy loans) term exceeds 84 months; up to 100% for A.5 loans b) up to 50 % of the appraised value of the collateral in case of movable property; 60% if the DSCR of the borrower is 1.5 and above, and the loan term does not exceed 84 months c) up to 30 % of the appraised value of the collateral in case of inventories (finished goods, raw materials, etc.). However, the share of this kind of collateral may not exceed 40% of the total pledge. d) no more than 50% of the average monthly turnover on the bank accounts for the most recent period from 6 (min.) to 12 (max.) months, in case of cash flows 11 Pledge insurance To the extent of the loan principal/outstanding amount, on annual basis 12 Application handling period A.1.1, A.2.1, A.4.1, A.5.1 up to 5 business days upon receipt of the complete set of documents A.1.2, A.2.2, A.5.2 up to 10 business days upon receipt of the complete set of documents A.1.3, A.2.3, A.5.3 up to 15 business days upon receipt of the complete set of documents 13 Validity period (period within which the decision on the loan extension is effective) Depending on the case, the specified terms may be extended for an additional period of no more than 10 business days. (A.1, A.2, A.3, A.5): 30 days, unless otherwise specified by the authorized body s decision (A.4): 45 days, unless otherwise specified by the authorized body s decision 14 Reapproval of the loan Upon validity period expiry but no later than 60 days after the date of the decision on loan issuance Account with Ameriabank CJSC Loan restructuring application handling fee**** Required AMD 500,000
7 AMERIABANK CJSC 11CB PL Page 7/10 17 Other 60% of the energy audit fee defined under the program is payable by the client. *The interest rate defined under loan agreement continues to apply to overdue loans. **In case of actual application of fines and penalties their annual rate and/or total sum of fines and penalties shall be regulated by applicable limits defined under the legislation of Armenia. ***If the main security is a guarantee accompanied by a pledge as additional security, the LTV ratio shall not be calculated. In such cases, the loan conclusion should contain a note specifying whether the security is main or additional and be approved respectively by an authorized body. ****The loan restructuring application handling fee shall be payable by the client in case the application to revise the terms filed by the client at his sole discretion and initiative has been satisfied after the analysis by the relevant unit. In other cases of the lending terms restructuring, charging of the fee shall be subject to the decision of the Large Credit Committee. 2. LINES OF CREDIT (B.1, B.2, B.3, B.4) # Terms Lines of credit to large enterprises (B.1) 1. Credit limit More than AMD or other currency equivalent of USD 1,500, Maturity period Up to 3 years 3. Maturity period (for lines of credit intended for PPE Up to 5 years finance) 4. Limit reduction According to the schedule or upon maturity 5. Annual interest rate on utilized amount* From 12 % For line of credit in AMD For line of credit in USD Lines of credit to SMEs (B.2) Lines of credit to Women in Business (B.4) Lines of credit to SMEs (B.2): up to AMD or other currency equivalent of USD 1,500,000 Lines of credit to Women in Business (B.4): AMD 150,000, ,000,000 Lines of credit to SMEs (B.2): from 12% Lines of credit to Women in Business (B.4): from 14 % From 9 % Lines of credit to SMEs (B.2): from 9 % For line of credit in EUR
8 AMERIABANK CJSC 11CB PL Page 8/ Annual interest rate on nonutilized amount (commitment fee)* Loan disbursement fee (charged up front at the moment of disbursement). The Bank may opt to define a fee payment schedule in which case, if the Borrower repays the loan early, the outstanding amount of the loan disbursement fee shall be paid by the Borrower in full together with the principal or in accordance with the schedule defined by the bank. From 8 % Lines of credit to SMEs (B.2): from 8 % LCs: from 4% if without confirmation, from 6% if with confirmation by other banks In case of discounting under the LCs From 9% The interest rate for the lines of credit in other currency is determined by the Management Board. In case of cash collateral % of the deposit (time or demand) + 4 %, if the line of credit and the deposit are denominated in the same currency % of the deposit (time or demand) + 5 %, if the line of credit and the deposit are denominated in different currencies Up to 2% Up to 1 year maturity term: 0-0.5% of the limit 1-2 years maturity term: 0-0.7% of the limit Over 2 years maturity term: 0-1.5% of the limit Lines secured by cash collateral: 0 % 8. Late payment fee** Fine equal to 0.13% of overdue loan and overdue interest for each day of delay 9. Line of credit repayment 10. Early repayment** According to the schedule/upon maturity (monthly/quarterly/once in 6 months or at another frequency prescribed by the agreement) In cases defined by the agreement, payment of 6-month interest can be required for repayment of amounts before due date 11. Line of credit security B.1.1.1, B.1.2.1, B.2.1.1, B.2.2.1, B.4.1.1, B cash, T-bills, standard gold bars, bonds issued by Ameriabank
9 AMERIABANK CJSC 11CB PL Page 9/10 B.1.1.2, B.1.2.1, B.2.1.2, B.2.2.2, B.4.1.2, B property and equipment, guarantees, warranties and other securities B.1.1.3, B.1.2.3, B.2.1.3, B.2.2.3, B.4.1.3, B cash flows, current assets or mixed collateral B.3.1.1, B real estate LTV ratio*** B.1.1.1, B.1.2.1, B.2.1.1, B % (if the currency of the loan is the same as that of the collateral or, if different, it is included in the SDR basket) and 95 % (if the currency of the loan is different from that of the collateral, except for the currencies included in the SDR basket) a) up to 80 % of the appraised value of the collateral (in case of real estate) for loans with up to 84 months term and for energy loans; 90% if the DSCR of the borrower is 1.5 and above up to 70% if the loan (other than energy loans) term exceeds 84 months; up to 100% for B.4 loans b) up to 50 % of the appraised value of the collateral in case of movable property; 60% if the DSCR of the borrower is 1.5 and above, and the loan term does not exceed 84 months c) up to 30% of the appraised value of the collateral in case of inventories (finished goods, raw materials, etc.). However, the share of this kind of collateral may not exceed 40% of the total pledge. d) no more than 50% of the average monthly turnover on the bank accounts for the most recent period from 6 (min.) to 12 (max.) months, in case of cash flows 13. Pledge insurance To the extent of the credit limit, on annual basis 14. Application handling period 15. Validity period (period within which the decision on the line of credit approval is effective) B.1.1.1, B.1.2.1, B.2.1.1, B.2.2.1, B.3.1.1, B , B.4.1.1, B up to 5 business days upon receipt of the complete set of documents B.1.1.2, B.1.2.1, B.2.1.2, B.2.2.2, B.4.1.2, B up to 10 business days upon receipt of the complete set of documents B.1.1.3, B.1.2.3, B.2.1.3, B.2.2.3, B.4.1.3, B up to 15 business days upon receipt of the complete set of documents Depending on the case, the specified terms may be extended for an additional period of no more than 10 business days. 30 days, unless otherwise specified by the authorized body s decision 4 The property should be located in Yerevan.
10 AMERIABANK CJSC 11CB PL Page 10/ Reapproval of the line of credit Upon validity period expiry but no later than 60 days after the date of the decision on line of credit approval Other Account with Ameriabank CJSC Credit restructuring application handling fee**** Required AMD 500,000 B.3. - All the expenses related to the real estate appraisal and notary verification shall be borne by the Bank *The interest rate defined under loan agreement continues to apply to overdue loans/lines of credit/overdrafts. **In case of actual application of fines and penalties their annual rate and/or total sum of fines and penalties shall be regulated by applicable limits defined under the legislation of Armenia. ***If the main security is a guarantee accompanied by a pledge as additional security, the LTV ratio shall not be calculated. In such cases, the loan conclusion should contain a note specifying whether the security is main or additional and be approved respectively by an authorized body. ****The credit restructuring application handling fee shall be payable by the client in case the application to revise the terms filed by the client at his sole discretion and initiative has been satisfied after the analysis by the relevant unit. In other cases of the lending terms restructuring, charging of the fee shall be subject to the decision of the Large Credit Committee. 3. OVERDRAFT (C.1, C.2) # Terms Overdraft to large enterprises (C.1) Overdraft to SMEs (C.2) 1 Amount Not exceeding 50% of the monthly average account turnover, minimum for the latest 6 months 2 Maturity period Up to 12 months 3 Repayment of utilized amounts According to the repayment schedule (monthly/quarterly/once in 6 months or at another frequency prescribed by the agreement) For overdrafts in AMD From 13 % From 13 % 4 Annual interest rate on utilized For overdrafts in USD amount* From 10 % From 10 % For overdrafts in EUR From 9 % From 9 %
11 AMERIABANK CJSC 11CB PL Page 11/10 5 Loan disbursement fee (charged up front at the moment of disbursement). The Bank may opt to define a fee payment schedule in which case, if the Borrower repays the loan early, the outstanding amount of the loan disbursement fee shall be paid by the Borrower in full together with the principal or in accordance with the schedule defined by the bank % of the limit 6 Late payment fee** Fine equal to 0.13% of overdue loan and overdue interest for each day of delay 7 Early repayment** In cases defined by the agreement, an early repayment fee of up to 6-month interest for the prepaid amount can apply. 8 Limit reduction In case there is no turnover with the bank accounts during a month, the overdraft limit shall be reviewed (reduced). 9 Loan security Cash flows, guarantees and warranties, in certain cases other security 10 LTV ratio*** No more than 50% of the average monthly turnover on the bank accounts for the most recent period from 6 (min.) to 12 (max.) months 11 Application handling period Up to 10 business days upon receipt of the complete set of documents. Depending on the case, the specified term may be extended for an additional period of no more than 10 business days. 12 Validity period (period within which the decision on the overdraft approval is effective) 30 days, unless otherwise specified by the authorized body s decision 13 Overdraft reapproval term Upon validity period expiry but no later than 60 days after the date of the decision on overdraft approval 14 Account with Ameriabank CJSC Required 15 Overdraft modification application handling fee**** AMD 500,000 *The interest rate defined under loan agreement continues to apply to overdue loans/lines of credit/overdrafts. **In case of actual application of fines and penalties their annual rate and/or total sum of fines and penalties shall be regulated by applicable limits defined under the legislation of Armenia. ***If the main security is a guarantee accompanied by a pledge as additional security, the LTV ratio shall not be calculated. In such cases, the loan conclusion should contain a note specifying whether the security is main or additional and be approved respectively by an authorized body.
12 AMERIABANK CJSC 11CB PL Page 12/10 ****The overdraft modification application handling fee shall be payable by the client in case the application to revise the terms filed by the client at his sole discretion and initiative has been satisfied after the analysis by the relevant unit. In other cases of the lending terms restructuring, charging of the fee shall be subject to the decision of the Large Credit Committee.
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