Key Information required for Mortgage Loans

KEY FACT DOCUMENT

Key Information required for Mortgage Loans Key Features of the Nature of the Interest rates (starting from) Other Charges Eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service Loan can be obtained for any valid purpose with a security of a deed / Meets the basic fundamental housing needs in the society/ A real estate / Develops the Real Estate Market Secured lending Fixed & Variable interest rates depending on the clients credit worthiness Standard Mortgage Fee/Documents Charges/Search Fees/Caveat Charges/ Valuation Fees/ Insurance The client will be directed to a Marketing Officer who is experienced & capable of handling mortgage s General conditions applied as per offer letter Law of Breach of contract /Mortgage act

Complaint Procedure The following methods are available to customers to lodge complaints Through the Branch Manager or the Relationship Manager Through the call center. (0112 200 200) Email us at: chameera@lbfinance.lk Write to: Customer Relationship Senior Executives (Chameera Sadeep Warnakulasooriya). No 20, Darmapala Mawatha, Colombo 03 In the event a satisfactory solution is not provided by the finance company, customer can escalate his/her complain to the office of the Financial Ombudsman of Sri Lanka. Financial Ombudsman Office of the Financial Ombudsman 143A,Vajira Road, Colombo 05. Contact Number: +94 11 259 5624 Telefax: +94 11 259 5625 Email: fosril@sltnet.lk Website: www.financialombudsman.lk

Key Information required for Leasing Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service Customer has the ability to lease any vehicle or equipment under this. Low interest rate. Specialized in Three wheeler leasing Term can be arranged up to 6 years. Convenient services offered to customer s door-step. Island wide branch network allows clients to have a convenient customer experience. CDM machines in Corporate and Head office allows a fast repayment facility. Free standing orders. The Finance Leasing Act No 56 of 2000 defines a finance lease as an agreement between a lessor (owner) and a lessee (user) for the possession and use by the lessee of not less than one year from the date of agreement, of an equipment specified by the lessee and either provided by the lessor or a supplier selected by the lessee. Value added Taxes are applicable based on the existing government regulations. Fixed interest rate. Interest rate will depend on the client s credit worthiness. Document charges, Stamp duty to be paid to the government, VAT (if applicable).penal rate will start to calculate only 3 days after the due date of the rental. However, penal rate will be calculated for all four days on the said calculation date. For Sundry charges: Penal rate will be starting on the next day itself where no grace period will be given. Current applicable penal rate is 60% p.a. and it is calculated on daily basis.rmv charges are collected from client and paid to RMV. 1. Duly completed application form, copy of ID card/ valid passport. 2. Investigation Process. 3. Physical Identification Documentary evidence is required for investigation purposes of the credit evaluation process. 4. Collect information from relevant parties Income Analysis Past payment records analysis (CRIB/ Payment History with LBF) Vehicle will be inspected physically. 5. Customer Complaints and Inquiries. Customer can call 0112200200 to obtain any information regarding the s or to make a complaint regarding the services. 1. Eligibility Criteria: Sri Lankan Nationals over 18yrs,holding a valid National Identity Card/Valid passport and residing in Sri Lanka. 2. Should obtain the understanding of the customer regarding the lease agreement. 3. The targeted amount will be subject to government taxes if applicable. 4. Minimum term period should be not less than 12 months. 5. Legal actions will be taken according to the current Sri Lankan government's rules and regulations. Finance and leasing Act No.56 of 2000 and related amendments. Customer can discuss with the designated officer in the respective branch regarding any issues or complaints

Key Information required for Vehicle Loans Key Features of the Nature of the Interest rates (starting from) Other Charges Eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service Existing clients who holds a leasing facility are not eligible to go for another leasing facility for the same vehicle. In such cases the client can proceed to a vehicle loan facility for the remaining value of the vehicle (according to the rules & regulations of the Central Bank). VL is applicable for New vehicles as well Vehicle loans (VL) provides an opportunity to get loans for new vehicles or an additional loan for the same vehicle. Fixed & Variable interest rates depending on the clients credit worthiness 1. Document charges Stamp duty to be paid to the government. 2.RMV charges are collected from client and paid to RMV (if applicable) 3. Penal rate will start to calculate only 3 days after the due date of the rental. However, penal rate will be calculated for all four days on the said calculation date 4. For Sundry charges: Penal rate will be starting on the next day itself where no grace period will be given. 5.Current applicable penal rate is 60% p.a. and it is calculated on daily basis Duly completed application form, copy of ID card/ valid passport Documentary evidence is required for investigation purposes of the credit evaluation process. Collect information from relevant parties, Income Analysis, Past payment records analysis (CRIB/ Payment History with LBF). Vehicle/Land will be inspected physically. Customer Complaints and Inquiries - Customer can call 0112200200 to obtain any information regarding the s or to make a complaint regarding the services. Customer can discuss with the designated officer in the respective branch regarding any issues or complaints. Eligibility Criteria: Sri Lankan Nationals over 18yrs, holding a valid National Identity Card/Valid passport and residing in Sri Lank Legal actions will be taken according to the current Sri Lankan government's rules and regulations. The targeted amount will be subject to government taxes if applicable should obtain the understanding of the customer regarding the lease agreement. No minimum period. Law of Breach of contract

Key Information required for Factoring Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. This is a type of where we advance businessmen for working capital requirements, by discounting their outstanding invoices and postdated debtor cheque. 2. Discounted invoices will be assigned to us and cheque will be in our custody. 3. Customers will be advanced at a discounted percentage of invoices/debtor cheque on hand. 4. A security will be required only if the borrower has any negative factors in his evaluation, through tangible security is not a must. 5. These are short term advances. 6. Settlement of our dues will be through realization of third party cheque or by the debtor in case of invoices. 1. Working capital financing facility for business sector. 2. Short term facility / can operated on revolving basis 19% p.a - 20% p.a 0.5% to 0.75 % subsequently from the invoice value, Documentation fee - From Rps. 5,000 to Rps. 10,000.00 1. Applicant contacts the marketing officer at LBF. 2. Both parties have a preliminary discussion. 3. Applicant submits documentation. 4. Marketing officer visits the customer. 5. Marketing officer submits his evaluation for approval. 6. Finalization of security documents. 7. Recovery of all chargers. 8. Disbursement of facility. 1. 70% to 80% from the invoice value will be advanced to the client and the balance will be given once the full payment is made by the debtor. 2. LBF will evaluate and decide the debtors who will be financed under the facility. 3. Individual limits will be given to the debtors based on their credibility on the credit approval. LBF will carry out litigation in case of default on the strength of the agreements / security documents signed and the securities pledged.(if any)/law of Breach of Contract 7. Repayments will be made by third party debtor(s)

Key Information required for Dirimaga Key Features of the Nature of the Interest rates (starting from) Other Charges Eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1 day service / lowest interest rate in the market Micro Loans / Daily collections 3% (monthly) BSP above Rs.300.00 /No Insurance/ Submit a completed detailed file of the business with : - clear crib / minimum of 1 year BR / 1 guarantor Business to have daily income & loan to be settled within 90 days Above 4.99/Law of Breach of Contract

Key Information required for Personal Loans Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. No tangible security required. 2. Applicant must be employed in an acceptable company to LBF. 3. Employer need to assign the Salary / Installment to LBF. 4. Two personal guarantors required. Loan facility will be provided to fixed income earners for any requirement. 23% to 24% p.a 1. Applicant need to submit documents such as Salary slips for last 3 months, NIC Copy, Service letter issued by the employer, Copy of the current salary account, Guarantors NIC copies, Salary slips and Service letter. 2. Employer need to assign the Salary / Installment to a savings account opened under the name of the applicant. 1. Applicant must be under permanent employment and has to be completed minimum of one year with the current employer. 2. Employer must give LBF irrevocable in writing undertaking to assign the salary / installment to LBF. 3. Two personal guarantors must be employed in the same company. 4. Maximum repayment period is 60 Months LBF will carry out litigation in case of default against the borrower & guarantors/law of Breach of Contract

Key Information required for Power Plus Key Features of the Nature of the Interest rates (starting from) Other Charges Eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. Short term loan. 2. Repayment on monthly basis through own cheque. 3. Ability to obtain the facility without tangible securities Product concentrates on granting short term loan facilities for well established businesses which maintain sound financial disciplines for a greater period of time. Varies based on the risk level. A documentation fee will be charged based on the facility amount and interest rate. A separate Stamp duty will be charged based on the facility amount. Branches, General hot line number, Marketing officers can be contacted for Inquiries. Duly completed application form along with a copy of National Identity card, Business Registration, Bank Statements for last six months, Financial Statements, Company details, Guarantor details etc. need to be handed over to relevant branch or Marketing officer. Need to have a wellestablished business entity which maintains sound financial practice, financial discipline, satisfactory past performance and proven track record over a considerable period of time. Repayment would be through own cheque and Monthly installment basis. Any arrears facilities will be followed by the marketing officer and recovery officer and based on the requirement legal actions would be taken/law of Breach of Contract.

Key Information required for Power Draft Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal ; provisions related to the /service 1. The asset can be a vehicle or a land. Client pays only the interest at the end of the month basis and the capital amount is paid at the point of maturity. 2. Term can be arranged according to customer's requirement & credit worthiness of the client. 3. Island wide branch network allows clients to have a convenient customer experience. 4. CDM machines in Corporate office and Head office allows a fast repayment facility. 5. Free standing orders. 6. Convenient services offered to the customer s door-step. Keep assets as a security against the loan. The asset can be a vehicle or a land. Duration of the loan facility could vary according to client s requirements and their credit worthiness. Client pays only the interest at the end of the month basis and the capital amount is paid at the point of maturity. Fixed & Variable interest rates depending on the clients credit worthiness 1. Stamp duty to be paid to the government. 2. Document charges. 3. RMV charges are collected from client and paid to RMV (if applicable) 4. For Interest & Capital, Penal rate will be starting on the next day itself where no grace period will be given. 5. Current applicable penal rate is 60% p.a. and it is calculated on daily basis. 1. Duly completed application form, copy of ID card/ valid passport Documentary evidence is required for investigation purposes of the credit evaluation process. 2. Collect information from relevant parties Income Analysis Past payment records analysis (CRIB/ Payment History with LBF). Vehicle/Land will be inspected physically. 3. Customer Complaints and Inquiries. 1. Eligibility Criteria: Sri Lankan Nationals over 18yrs,holding a valid National Identity Card/Valid passport and residing in Sri Lanka Should obtain the understanding of the customer regarding the lease agreement. 2. The targeted amount will be subject to government taxes if applicable. 3. No minimum period. 4. Legal actions will be taken according to the current Sri Lankan government's rules and regulations. Law of Breach of Contract Customer can call 0112200200 to obtain any information regarding the s or to make a complaint regarding the services. Customer can discuss with the designated officer in the respective branch regarding any issues or complaints.

Key Information required for TW & Motor Bike Leasing Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. Customer has the ability to lease any three wheeler under this, under present LTV ratio 25% of the value. 2. Low interest rate. 3. Specialized in Three wheeler leasing. Term can be arranged up to 5 years. 4. Convenient services offered to the doorstep of the customer. 5. Island wide branch network allows clients to have a convenient customer experience. 6. CDMA machines in Corporate office and Head office allows a fast repayment facility. The Finance Leasing Act No 56 of 2000 defines a finance lease as an agreement between a lessor (owner) and a lessee (user) for the possession and use by the lessee of not less than one year from the date of agreement, of an equipment specified by the lessee and either provided by the lessor or a supplier selected by the lessee. Value added Taxes are applicable based on the existing government regulations. Fixed & Variable interest rates depending on the clients credit worthiness 1. Document charges. 2. Stamp duty to be paid to the government. 3. RMV charges are collected from client and paid to RMV 1. Duly completed application form, copy of ID card/ valid passport, Confirmation on permanent residence. 2. Investigation done by LB officer. 3. Physical Identification of asset, Documentary evidence is required for investigation purposes of the credit evaluation process. 4. Collect information from relevant parties; Income Analysis. 5. Past payment records analysis (CRIB/ Payment History with LBF) Vehicle will be inspected physically. 1. Eligibility Criteria - Sri Lankan Nationals over 18yrs, holding a valid National Identity Card/Valid passport and residing in Sri Lanka. 2. Should obtain the understanding of the customer regarding the lease agreement. 3. Minimum term period should be not less than 12 months. 4. Legal actions will be taken according to the Current Sri Lankan government's rules and regulations. Finance and leasing Act No.56 of 2000 and related amendments. 6. Customer Complaints and Inquiries. 7. Customer can call 0112200200 to obtain any information regarding the s or to make a complaint regarding the services.

Key Information required for Gold Loan Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. Cash at your disposal by pledging Gold, articles. 2. Competitive advance rates and amount. 3. Not required previous transaction relationship with the company. 4. Speedy processing and delivery. Providing instant Loan facility to the agreed period with the pledge of Gold, article. Interest rates based on the Products and the market conditions, our interest rates revised from time to time. Other charges are also based on the, advance amount and the market conditions, rates revised from time to time. 1. Should provide a valid National Identity Card (NIC)/Driving License/passport. 2. After verifying the pledging gold articles weight,caratage the advance amount will be decided. 3. Gold Loan Ticket 1. Applicants should be Sri Lankan citizens and over 16 years of age. 2. Minimum facility of Rs.100/- 3. Facility is available for Product wise. 4. Gold Loan advance based on the value of gold, articles pledged. 5. The facility will be available at the terms and conditions of the company of all required documents. Default in payment as agreed, will be auctioned after being informed by two letters (Registered post) and 14days before notice/mortgage Act

Key Information required for Murabaha Vehicle Financing Key features of the Nature of the Interest rates (starting from) Other Charges Eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. Ability to receive financing for Local Purchases. 2. Requires no previous relationship with LB Finance. 3. Personalized service through a trained Islamic Finance staff. 4. Minimum documentation. 5. Competitive profit rates. 6. Processed within a day. Sale agreement Facility mark-up will be clearly mentioned in the facility Offer Letter. 1. Documentation Charges, Fees & Commission will be based on prevailing market rates. 2. Stamp Duty 0.1% of the total receivable minus down-payment if any. 1. Dully completed/signed facility Offer Letter. 2. Dully completed/signed Master Murabaha Agreement. 3. Dully completed/signed Murabaha Application. 4. Dully completed/signed Agency Agreement. 5. Dully completed/signed Undertaking to Purchase document. 6. Dully completed/signed Murabaha Sale Agreement. 1. Facility available for individual self-employed and corporate Clientele. 2. Minimum 18 years of age as at end date of facility for individual customers. 3. Minimum tenure for a facility is 03 months while the maximum tenure is 2 years. 4. Additional security may be requested. 5. The facility will be made available at the sole discretion of LB Finance, in line with LB Finance s credit evaluation criteria, and is subject to completion of all required documents All other terms & conditions will be mentioned in the Master Murabaha Agreement. Consumer Protection Act of Sri Lanka 7. Supplier Invoice

Key Information required for Ljarah Vehicle & Machinery Loan Key Features of the Nature of the Interest rates (starting from) Other Charges eg, fees, commissions Procedures to be followed to obtain the service Main terms and conditions Applicable legal; provisions related to the /service 1. Acquisition of Brand New/ Reconditioned or Registered vehicle. 2. Speedy processing and delivery. 3. Requires no previous relationship with LB Finance. 4. Personalized service through a trained Islamic Finance staff. 5. Minimum documentation. Operational lease Monthly rental will be mentioned in the proposed Ijarah facility Offer Letter Documentation Charges, Fees & Commission will be based on prevailing market rates Stamp Duty 1% of the total receivable 1. Dully signed Ijarah application form. 2. Dully signed Ijarah facility Offer Letter. 3. Dully signed Ijarah Agreement. 4. Dully signed Agency Agreement. 5. Original/Copy of the CR. 6. Proforma Invoice. 7. Valuation Report from a registered valuer approved by LB Finance. 8. A copy of valid National Identity Card (NIC), Driving license or Passport 1. Facility available for individual self-employed and corporate Clientele. 2. Minimum 18 years of age as at end date of facility for individual customers. 3. Minimum tenure for a facility is 12 months while the maximum tenure is 5 years. 4. Security for the Ijarah facility will be the absolute ownership of the vehicle. Additional security may be requested. Finance and leasing Act No.56 of 2000 and related amendments. Individual Clients 1. Salary Slip for the past 3 months. 2. Proof of permanent address. 3. Bank statement for 6 months. 4. Employment confirmation letter. 5. The facility will be made available at the sole discretion of LB Finance, in line with LB Finance s credit evaluation criteria, and is subject to completion of all required documents 5. Business Registration (for Business Clients) 6. Certificate of Incorporation (for Corporate Client) 7. Audited/Constructed Accounts for past 3 years (for Corporate Clients) 8. LB Finance will issue a Promise to Sell document, applicable after the Ijarah facility is settled in full, enabling transfer of the asset.