1. Construction Loan

2. 2 Online banking  Easy to work with the bank You can pay the installments choosing the most convenient way for you: by phone, by fax, by Internet  No exchange fees The money will be transferred in your account exactly in the currency you contracted the credit  Low expenses The bank commissions are among the smallest on the market and very transparent - time savings: the service is accessible 24 hours from 24, 7 days from 7 - accessibility: available anywhere there is an Internet connection, both in the country and abroad - effectiveness: you have access to your accounts with no trip to the bank for: invoice payments (utilities, leasing installments), foreign exchange, deposits, external payments, interest and rates checks etc - money savings: the fees and commissions are 50% less than in the bank office processing  Minimum effort You can find in the bank office all additional services required: insurances, evaluations, etc  Access to all bank products Overdraft Cards Direct debit (the automatic payment of certain invoices from your account) Telephone service (payments, sold check, deposit issuing etc) Financial consultancy Why HVB Bank?

3. 3  Age between 25 and 55 years  Minimum net income per family of EUR 500 per month  Tenor: 3 – 20 years  Minimum amount financed is EUR 25 000 * (if own contribution is bigger than 30%, smaller amounts can be financed, up to minimum EUR 10 000*)  For house extension the minimum amount is EUR 10 000*  Own contribution required: land and minimum 30% from the construction value (cash or already invested in construction)  The annuity will be computed considering the the Net Available Income – NAI (net income of the family minus monthly expenses) Which are the conditions? Examples of maximum amounts (USD) financed, according to Net Available Income (NAI) *Or the equivalent in USD **With own contribution (advance) higher than 30% of the value of the financed building All the amounts were calculated for examples of NAI (remained after the deduction of family expenses). Example: an individual with a monthly NAI of $ 400 can receive, for a 20 years tenor the amount of $ 26 542 Net Eligible Income = 100% Salary + 50% Rents + 50% Dividends + 80% Freelance incomes Years/ NAI $ 200$ 250$ 300$ 350$ 400$ 450$ 500$ 550 3 y N/A 10617** 5 y N/A 10493**11991**13490**14989**16488** 10 y N/A12390**14868**17346**19824**22302**24780**27258 15 y 11866**14832**17799**20765**23732**266982966532631 20 y 13271**16589**19906**23224**26542298603317736495 Years/ NAI $ 600$ 650$ 700$ 750$ 800$ 850$ 900$ 950$ 1000 3 y 11582**12547**13512 ** 14447 ** 15442 ** 16408 ** 17373 ** 18338 ** 19303 ** 5 y 17987 ** 19486 ** 20985 ** 22484 ** 23983 ** 25482269812848029979 10 y 297363221434693371713964942127446054708349561 15 y 355983856441531444974746450430533975636359330 20 y 398134313046448497665308456401597196303766355

4. 4 TenorInterest (USD)Interest (EUR) 3 - 5 y 7,45% p.a.7.95% p.a. 5 – 10 y 7,95% p.a.8.45% p.a. 10 – 15 y 8,95% p.a.9.45% p.a. 15 - 20 y 9,07% p.a.9,57% p.a. Which are the conditions? Documents requested for application analysis  Copy of identity card*  Standard application form filled in*  Income proofs – Salary Statement, Renting Contracts, Global Income Declaration;  Copy of Labor Book (complete)  Agreement regarding the interrogation of Banking Risk Archive*  Copies of property on land documents  The construction project made by a authorized company  Land and project evaluations and construction authorizations*  The minimum accepted surface of the construction: 100 sqm  Credit processing commission 1,5% flat, minimum EUR / USD 300  Pre-payment fee: 1%, minimum EUR / USD 100 (only for pre payment in the first 3 years)  Variable interest. The modifications are transparent and they follow the variations of financial international markets Collaterals requested  Mortgage on the land to be constructed on, assigned in favor of the bank  Mortgage on the construction assigned in favor of the bank (when the credit is granted the mortgage is replaced temporarily by a mortgage of minimum EUR 10 000 on a secondary building; this mortgage will be released and replaced by the mortgage on the “Red Stage” building (registration in Land Book); when the house is completed, this mortgage will be transformed in the mortgage on the completed house)  Assignment of life and real estate insurance in favor of the bank  Assignment of monthly income of the couple in favor of the bank and blank promissory note 9 months grace period until the beginning of credit reimbursement! *could be completed/copied/made at the bank’s office

5. 5 Example of calculation of monthly annuity (USD) according to tenor and amount financed (USD) for the construction loan Amount/Y3 y4 y5 y6 y7 y8 y9 y10 y11 y12 y13 y14 y15 y16 y17 y18 y19 y20 y $ 25 000777604500438389353325303298283271261253247240235230226 $ 26 000806628520455404367337315310295282271262257250244239235 $ 27 000839652540472420381350326322306293282273266260254247244 $ 28 000870676560490435395363339334317304293283277270263258253 $ 29 000901700580507451409377351346329315303293286279272267262 $ 30 000932725600525467423390363358340326313303296289282276271 $ 35 0001087845700612544494454424417397380366353346337329322316 $ 45 00013981087900787700635584545537510489470455444433423414406 $ 50 000155412081001875778706650605596567543523506494481470460452 $ 60 0001865144912001050933846779726715681652627606593577564552542 $ 75 000233118111501131311671058974907894851815784758741722705691678 $ 100 0003108241620011751155614111299121111931135108610461011988963940921904 $ 125 000388530192501218819451763162415131491141913581307126412351203117611511130 $ 150 000466236233002262623342116194818151789170216301569151614831444141113821356 $ 175 000543942273502306427232469227321182088198619011830176917301685164616121582 $ 200 000621648314002350131122822259824212386227021732092202219771926188118421808 Example: for the reimbursement of an amount of $ 30 000, granted by a construction loan for a 20 y tenor, the monthly annuity will be $271

6. 6 We look forward for you to call us, or, even better, to visit the nearest branch! Bucharest - Grigore Mora Branch 37, Grigore Mora St, phone 203 22 22 Bucharest - Millenium Branch 88, Victoriei St, phone 307 93 00 Bucharest - Decebal Branch 80, Unirii Bvd, build. J1, tronson 1, phone 327 77 45 Oradea - 2-4, Piata Unirii, phone 406 700 Cluj - 10, Piata Unirii, phone 406 070 Brasov - 2, Muresenilor St., phone 506 280 Constanta – 132, Tomis Bd, phone 606 100 Timisoara - 2, Piata Victoriei, phone 306 800 www.hvb.ro Client phone: 0801 00 00 08 (toll at the local tariffs of the call) It will be our pleasure to answer to any inquiry in order to identify together the solution that fits you!