Special auto lending programme

Lending rates and conditions for employees of corporate clients towards the purchase of a new Russian and foreign-made vehicle with a loading capacity of up to 3.5 tons with a down payment
Loan Object			New foreign-made and Russian-made cars with a maximum weight of 3.5 ton and a seating capacity not in excess of 8 people (not including the driver)
Loan term			up to 7 years
Minimal down payment			from 0%
Interest rate	Russian ruble	1 year 2 years 3 years 4 years 5 years 6 years 7 years	12.00% 12.00% 12.00% 12.50% 13.00% 13.50% 14.00%
	US Dollar	1 year 2 years 3 years 4 years 5 years 6 years 7 years	9.50% 9.50% 9.50% 9.75% 10.00% 10.50% 11.00%
	Euro	1 year 2 years 3 years 4 years 5 years 6 years 7 years	9.50% 9.50% 9.50% 9.75% 10.00% 10.50% 11.00%
Loan arrangement fee charged to the Borrower			200 USD / 200 EUR / 6000 RUB (depending on loan currency)
Installment default interest charged to Borrower (per late day of overdue payment)			0.14%
Conversion of the loan funds into a currency other than the currency in which the loan is denominated			At the internal rate of OJSC Nordea Bank as of the conversion date
Minimal loan amount per borrower			2000 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)
Maximum loan amount per borrower			100 000 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)

Lending rates and terms for employees of corporate client towards the purchase of a used foreign-made vehicle with loading capacity of up to 3,5 tons with a down payment
Loan Object			Used foreign-made cars with a maximum weight of 3.5 ton and a seating capacity not in excess of 8 people (not including the driver).
Loan term			up to 5 years
Minimal down payment			from 0%
Interest rate	Russian ruble	1 year 2 years 3 years 4 years 5 years	13.00% 13.00% 13.50% 14.00% 14.50%
	US Dollar	1 year 2 years 3 years 4 years 5 years	10.00% 10.00% 10.00% 10.50% 11.00%
	Euro	1 year 2 years 3 years 4 years 5 years	10.00% 10.00% 10.00% 10.50% 11.00%
Loan arrangement fee charged to the Borrower			200 USD / 200 EUR / 6000 RUB (depending on loan currency)
Installment default interest charged to Borrower (per late day of overdue payment)			0.14%
Conversion of the loan funds into a currency other than the currency in which the loan is denominated			At the internal rate of OJSC Nordea Bank as of the conversion date
Minimal loan amount per borrower			2000 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)
Maximum loan amount per borrower			48 000 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)