1. NASLOV 30 pt arial bold tamno sivo 2011

2. 1 PROJECT FINANCING “Intesa Gradnja” product Financing of the construction of residential buildings, intended for market sale, adjusted to Your needs WE OFFER

3. 2 ADJUSTED TO YOUR NEEDS Loan tenor: In line with the construction period Loan disbursment: After submitting each monthly report on the construction process, verified by the sight supervisor and consulting company (lender supervisor) montly report Loan repayment: Starts in accordance with the sale projection, after granting the technical acceptance/ the occupancy permit from the funds generated on specific-purpose accounts from sold appartments and business premises

4. 3 FINANCIAL FIGURES LIMITED ACCORDING TO THE LONG-TERM STANDARD NOT EASY TO OBTAIN DURING THE CONSTRUCTION PERIOD FROM OWN FUNDS NO – ADDED TO THE PRINCIPAL DEBT AT THE END OF PROJECT, FROM SALE “PROJECT ITSELF” ADJUSTED TO THE PROJECT UNLIMITED PROJECT PROFITABILITY WHY “INTESA GRADNJA”? “STANDARD” LOAN “INTESA GRADNJA” ANALYSIS AMOUNT TENOR COLLATERALS LOAN REPAYMENT PAYMENT OF LOAN FEES DURING THE CONSTRUCTION PERIOD

5. 4 You will We shall WORKING TOGETHER  ESTABLISH SPC  PARTICIPATE IN THE AMOUNT OF 30% OF THE INVESTMENT VALUE: - Location - Project documentation - Other  OBTAIN CONSTRUCTION PERMIT  CHOOSE RIGHT CONTRACTOR (min 2 years of previous experience in construction and ability to provide performance guarantee)  CONTRIBUTE WITH YOUR KNOWLEDGE AND EXPERIENCE  FINANCE THE AMOUNT OF 70% OF THE INVESTMENT VALUE  MIN AMOUNT OF 500.000 EUR  MONITOR THE CONSTRUCTION PROCESS  ASSIST IN SALE OF THE APPARTMENTS

6. INTESA CASA 5 AT ONE PLACE  PROMOTE YOUR PROJECT – by presenting your apartments to our clients  APPROVE HOUSING LOANS:  Under favourable conditions  Fastly and efficiently

7. FINANCING SCHEME 6 Min. 30 % Investment - project Funds generated on specific- purpose accounts from sold appartments and business premises Your participation Loan – Banca Intesa Max. 70 % Your profit

8. 7 LOAN CONDITIONS  Interest rate: ____% p.a.  Disbursment fee: __% on each disbursment of the loan  Monitoring fee: __% on disbursed funds  Supervisor’s fee for: zero report + monthly report + final report Quoted fees (except fee for zero report) are calculated in the loan amount as financial fee.  Interest on deposits: % p.a. on funds generated on specicif-purpose accounts  Prime collaterals:  Pledge on the SPC’s equity in favour of the Bank;  Mortgage on the building in construction which is the object of financing  Funds generated on specific-purpose accounts, from sold appartments and business premises

9. 8 THE MAIN ADVENTAGES FOR YOURSELVES LESS HEADACHE Construction without delay Sufficient funds Easy to work on different projects at the same time No need to sell at lower price No need to make compensation

10. 9 201 12 22 YOUR NEXT STEP IS TO: Contact the Bank and arrange a meeting with: “Intesa gradnja” Unit 201 14 55

11. 10 THANKS FOR YOUR ATTENTION