Open Joint Stock

• availability of the formed loan portfolio provided to small and medium-sized enterprises on the filing date of the application • availability of specialized technologies/programs of work with small and medium-sized enterprises • availability of loan strategy(program) established by the Bank (written document) for small and medium-sized enterprises or separate section on loan issue for small and medium-sized enterprises • availability of the approved methodology for assessing the financial condition of the Borrower including the methodology for express analysis of loan applications of small and medium-sized enterprises • Individuals to whom the Fund's guarantees will be directed are not insiders or an affiliated person of the Bank; • the level of overdue debt on loan portfolio should not exceed 10%; • The Bank's consent to conclude Cooperation agreement with the Fund • The Bank's Management's interest in participation in SMEs joint support program. Exchange Rates USD 84,79