Common use of Conditions, Procedures and Regulations of Use of the Credit Clause in Contracts

Conditions, Procedures and Regulations of Use of the Credit. 3.1. The rule of issuance of the Credit Amount within the 3.1.1. On the basis of a positive decision of the Bank’s authorized body regarding the approval of the Credit, the Bank and the Customer have entered into the Credit Agreement which sets forth particular terms and conditions for the use of the Credit. 3.1.2. The Credit Amount within the Credit will be allocated on the basis of application submitted by the Customer, within 10 (ten) calendar days after submitting the relevant application, provided that all conditions envisaged by the Agreement are met in a form acceptable to the Bank. 3.1.3. In cases envisaged by the Agreement and/or its Annexes, the Credit Amount may be allocated entirely or in several installments (parts), under the term and on the conditions set forth in the Agreement and/or its Annexes. 3.2. Interest, Commission Fee and the rule of their calculation and charging 3.2.1. The form and amount of the Interest and the Commission Fee shall be determined by the Agreement. 3.2.2. The Interest is calculated according to the actual days of use of the Credit determined by the Agreement, calculating 365 (three hundred sixty five) days per annum. 3.2.3. The Commission fee is calculated according to the form and periodicity as determined by the Agreement. Besides, if the annual Commission Fee is envisaged, it shall be calculated according to the rule set forth for calculation of the Interest, and in other cases - according to the other rule envisaged by Agreement. 3.2.4. The Interest (as not received benefit) shall continue to be charged and shall be subject to repayment in case of delay of the Credit payments, notwithstanding the effectiveness or full or partial termination of the Agreement, until the moment of forced or voluntary repayment of the Credit by the Customer. 3.3. Fine (Penalty) for violation of conditions of use of the 3.3.1. The amount of the Penalty for violation of conditions of use of the Credit is determined by the Agreement. 3.3.2. The Penalty shall continue to be charged and shall be subject to payment in case of delay of the Credit payments, notwithstanding the effectiveness or termination of the Agreement, until the moment of forced or voluntary repayment of indebtedness envisaged by the Agreement by the Customer. 3.3.3. Payment of the Penalty does not exempt the Customer from fulfillment (payment) of obligations (payables) assumed under the Agreement. 3.4. Order of payment of the Credit Amount, Interest, Commission fee, Fine (Penalty) and other payables 3.4.1. The Customer explicitly and irrevocably agrees to pay the Credit Amount, Interest, Commission Fee, Penalty and make other payments in the following order: first the Commission Fee (if any) shall be paid, then the Penalty (if any), then the charged Interest, thereafter the Credit Amount and finally other amounts payable.

Conditions, Procedures and Regulations of Use of the Credit. 3.1. The rule of issuance of the Credit Amount within thethe Credit 3.1.1. On the basis of a positive decision of the Bank’s authorized body regarding the approval of the Credit, the Bank and the Customer have entered into the Credit Agreement which sets forth particular terms and conditions for the use of the Credit. 3.1.2. The Credit Amount within the Credit will be allocated on the basis of application submitted by the Customer, within 10 (ten) calendar days after submitting the relevant application, provided that all conditions envisaged by the Agreement are met in a form acceptable to the Bank. 3.1.3. In cases envisaged by the Agreement and/or its Annexes, the Credit Amount may be allocated entirely or in several installments (parts), under the term and on the conditions set forth in the Agreement and/or its Annexes. 3.2. Interest, Commission Fee and the rule of their calculation and charging 3.2.1. The form and amount of the Interest and the Commission Fee shall be determined by the Agreement. 3.2.2. The Interest is calculated according to the actual days of use of the Credit determined by the Agreement, calculating 365 (three hundred sixty five) days per annum. 3.2.3. The Commission fee is calculated according to the form and periodicity as determined by the Agreement. Besides, if the annual Commission Fee is envisaged, it shall be calculated according to the rule set forth for calculation of the Interest, and in other cases - according to the other rule envisaged by Agreement. 3.2.4. The Interest (as not received benefit) shall continue to be charged and shall be subject to repayment in case of delay of the Credit payments, notwithstanding the effectiveness or full or partial termination of the Agreement, until the moment of forced or voluntary repayment of the Credit by the Customer. 3.2.5. In the process of formation of the Interest the following public index(es) (hereinafter – the Index) may be used: 3.2.5.1. The refinancing rate set by the National Bank of Georgia (if any) and in the absence of the refinancing rate - the monetary policy rate (hereinafter - the Base Rate or the Refinancing Rate). The detailed information of the Refinancing Rate and its calculation method can be viewed on the official website of National Bank of Georgia, at: xxxxx://xxx.xxx.xx/ 3.2.5.2. The TIBR rate shall be the interest rate denominated in GEL and published by the National Bank of Georgia. The detailed information of the TIBR rate and its calculation method can be viewed on the official website of National Bank of Georgia, at: xxxxx://xxx.xxx.xx/. The TIBR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the TIBR rate, the TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the TIBR index, but if the Parties change the margin to the TIBR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the TIBR rate shall correspond to the TIBR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the TIBR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the TIBR rate, but if the Parties change the margin to the TIBR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the TIBR rate, the amount of the updated TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the renewal date. If the TIBR rate renewal date coincides with a non-banking day, the TIBR rate renewal will occur on the following Banking Days, with no change to the TIBR rate renewal date and renewal period specified in this Sub-paragraph. 3.2.5.3. The Term SOFR rate shall be the interest rate denominated in US Dollar and published by the Chicago Mercantile Exchange Group (hereinafter - the CME Group). The Term SOFR rate can be viewed on the CME Group's official website, at: xxxxx://xxxxxxxx.xxx. The Term SOFR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the Term SOFR rate, the Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the Term SOFR rate, but if the Parties change the margin to the Term SOFR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the Term SOFR rate shall correspond to the Term SOFR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the Term SOFR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the Term SOFR rate, but if the Parties change the margin to the Term SOFR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the Term SOFR rate, the amount of the updated Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking days prior to the renewal date. If the Term SOFR rate renewal date coincides with a non-banking day, the Term SOFR rate renewal will occur on the following Banking day, with no change to the Term SOFR rate renewal date and renewal period specified in this Sub-paragraph. 3.2.5.4. The EURIBOR rate (interbank rate offered for EUR) shall be the rate offered for banks on term interbank deposits (so- called Prime Banks) denominated in EUR. The EURIBOR rate is based on the average interest rate set for interbank loans denominated in EUR by about 50 European Banks (so-called Panel Banks). EURIBOR The Term SOFR rate can be viewed on the European Money Market Institute's official website, at: xxxxx://xxx.xxxx-xxxxxxxxxx.xx. The EURIBOR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the EURIBOR rate, the EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the EURIBOR index, but if the Parties change the margin to the EURIBOR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the EURIBOR rate shall correspond to the EURIBOR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the EURIBOR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the EURIBOR rate, but if the Parties change the margin to the EURIBOR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the EURIBOR rate, the amount of the updated EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking days prior to the renewal date. If the EURIBOR rate renewal date coincides with a non- banking day, the EURIBOR rate renewal will occur on the following Banking day, with no change to the EURIBOR rate renewal date and renewal period specified in this Sub-paragraph. 3.3. Fine (Penalty) for violation of conditions of use of thethe Credit and the rule of its charging 3.3.1. The amount of the Penalty for violation of conditions of use of the Credit is determined by the Agreement. 3.3.2. The Penalty shall continue to be charged and shall be subject to payment in case of delay of the Credit payments, notwithstanding the effectiveness or termination of the Agreement, until the moment of forced or voluntary repayment of indebtedness envisaged by the Agreement by the Customer. 3.3.3. Payment of the Penalty does not exempt the Customer from fulfillment (payment) of obligations (payables) assumed under the Agreement. 3.4. Order of payment of the Credit Amount, Interest, Commission fee, Fine (Penalty) and other payables 3.4.1. The Customer explicitly and irrevocably agrees to pay the Credit Amount, Interest, Commission Fee, Penalty and make other payments in the following order: first the Commission Fee (if any) shall be paid, then the Penalty (if any), then the charged Interest, thereafter the Credit Amount and finally other amounts payable. 3.4.2. The Credit Amount, Interest, Commission Fee and the Penalty shall be calculated and paid pursuant to the rule set forth the Agreement and/or the Schedule. Furthermore, in case of controversy between provisions of the Schedule and the Agreement provisions of the Agreement shall prevail. However, the absence in the Agreement of the provisions/data specified by the Schedule shall not be deemed to be inconsistent. In such a case, the provisions/data specified in the Schedule shall prevail. On the basis of verbal or written application submitted by the Customer to the Bank, based on the agreement of the Parties, the Credit Amount and the Interest may be repaid ahead of terms established by the Agreement and/or Schedule. For avoidance of any doubt, the Parties agree and confirm, that the execution of the Schedule by the Parties, is not necessary for the purposes of effectiveness/validity of the Schedule. 3.4.3. The Credit Amount, Interest, Commission Fee and Penalty shall be paid in the same currency as that of the approved Credit, while in case of need to exchange money for the aforesaid purpose, the exchange shall be done at the Customer’s expense, at the Bank's commercial rate on the day of exchange or at the rate agreed with the Customer (if any). 3.4.4. Any amounts paid by the Customer shall be deemed to be a duly discharged obligation if they are paid on the date stipulated in the Agreement, and if this date coincides with the day off, the repayment shall be made on the following Banking day at the latest. 3.4.5. The Bank is authorized to write off without acceptance all payables envisaged by the Agreement from any Accounts of the Customer, and if the payable amount and funds on the Account are in different currencies, the Bank is authorized to exchange funds at the commercial exchange rate of the Bank existing on the payment date, or at the exchange rate agreed upon with the Customer (if any), write off the service fee of the exchange from the Account of the Customer and direct exchanged amounts to cover relevant payables.

Conditions, Procedures and Regulations of Use of the Credit. 3.1. The rule of issuance of the Credit Amount within the 3.1.1. On the basis of a positive decision of the Bank’s authorized body regarding the approval of the Credit, the Bank and the Customer have entered into the Credit Agreement which sets forth particular terms and conditions for the use of the Credit. 3.1.2. The Credit Amount within the Credit will be allocated on the basis of application submitted by the Customer, within 10 (ten) calendar days after submitting the relevant application, provided that all conditions envisaged by the Agreement are met in a form acceptable to the Bank. 3.1.3. In cases envisaged by the Agreement and/or its Annexes, the Credit Amount may be allocated entirely or in several installments (parts), under the term and on the conditions set forth in the Agreement and/or its Annexes. 3.2. Interest, Commission Fee and the rule of their calculation and charging 3.2.1. The form and amount of the Interest and the Commission Fee shall be determined by the Agreement. 3.2.2. The Interest is calculated according to the actual days of use of the Credit determined by the Agreement, calculating 365 (three hundred sixty five) days per annum. 3.2.3. The Commission fee is calculated according to the form and periodicity as determined by the Agreement. Besides, if the annual Commission Fee is envisaged, it shall be calculated according to the rule set forth for calculation of the Interest, and in other cases - according to the other rule envisaged by Agreement. 3.2.4. The Interest (as not received benefit) shall continue to be charged and shall be subject to repayment in case of delay of the Credit payments, notwithstanding the effectiveness or full or partial termination of the Agreement, until the moment of forced or voluntary repayment of the Credit by the Customer. 3.3. Fine (Penalty) for violation of conditions of use of the 3.3.1. The amount of the Penalty for violation of conditions of use of the Credit is determined by the Agreement. 3.3.2. The Penalty shall continue to be charged and shall be subject to payment in case of delay of the Credit payments, notwithstanding the effectiveness or termination of the Agreement, until the moment of forced or voluntary repayment of indebtedness envisaged by the Agreement by the Customer. 3.3.3. Payment of the Penalty does not exempt the Customer from fulfillment (payment) of obligations (payables) assumed under the Agreement. 3.4. Order of payment of the Credit Amount, Interest, Commission fee, Fine (Penalty) and other payables 3.4.1. The Customer explicitly and irrevocably agrees to pay the Credit Amount, Interest, Commission Fee, Penalty and make other payments in the following order: first the Commission Fee (if any) shall be paid, then the Penalty (if any), then the charged Interest, thereafter the Credit Amount and finally other amounts payable.

Conditions, Procedures and Regulations of Use of the Credit. 3.1. The rule of issuance of the Credit Amount within thethe Credit 3.1.1. On the basis of a positive decision of the Bank’s authorized body regarding the approval of the Credit, the Bank and the Customer have entered into the Credit Agreement which sets forth particular terms and conditions for the use of the Credit. 3.1.2. The Credit Amount within the Credit will be allocated on the basis of application submitted by the Customer, within 10 (ten) calendar days after submitting the relevant application, provided that all conditions envisaged by the Agreement are met in a form acceptable to the Bank. 3.1.3. In cases envisaged by the Agreement and/or its Annexes, the Credit Amount may be allocated entirely or in several installments (parts), under the term and on the conditions set forth in the Agreement and/or its Annexes. 3.2. Interest, Commission Fee and the rule of their calculation and charging 3.2.1. The form and amount of the Interest and the Commission Fee shall be determined by the Agreement. 3.2.2. The Interest is calculated according to the actual days of use of the Credit determined by the Agreement, calculating 365 (three hundred sixty five) days per annum. 3.2.3. The Commission fee is calculated according to the form and periodicity as determined by the Agreement. Besides, if the annual Commission Fee is envisaged, it shall be calculated according to the rule set forth for calculation of the Interest, and in other cases - according to the other rule envisaged by Agreement. 3.2.4. The Interest (as not received benefit) shall continue to be charged and shall be subject to repayment in case of delay of the Credit payments, notwithstanding the effectiveness or full or partial termination of the Agreement, until the moment of forced or voluntary repayment of the Credit by the Customer. 3.2.5. In the process of formation of the Interest the following public index(es) (hereinafter – the Index) may be used: 3.2.5.1. The refinancing rate set by the National Bank of Georgia (if any) and in the absence of the refinancing rate - the monetary policy rate (hereinafter - the Base Rate or the Refinancing Rate). The detailed information of the Refinancing Rate and its calculation method can be viewed on the official website of National Bank of Georgia, at: xxxxx://xxx.xxx.xx/ 3.2.5.2. The TIBR rate shall be the interest rate denominated in GEL and published by the National Bank of Georgia. The detailed information of the TIBR rate and its calculation method can be viewed on the official website of National Bank of Georgia, at: xxxxx://xxx.xxx.xx/. The TIBR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the TIBR rate, the TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the TIBR index, but if the Parties change the margin to the TIBR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the TIBR rate shall correspond to the TIBR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the TIBR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the TIBR rate, but if the Parties change the margin to the TIBR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the TIBR rate, the amount of the updated TIBR rate corresponds to the TIBR index determined 2 (two) Banking Days prior to the renewal date. If the TIBR rate renewal date coincides with a non-banking day, the TIBR rate renewal will occur on the following Banking Days, with no change to the TIBR rate renewal date and renewal period specified in this Sub-paragraph. 3.2.5.3. The Term SOFR rate shall be the interest rate denominated in US Dollar and published by the Chicago Mercantile Exchange Group (hereinafter - the CME Group). The Term SOFR rate can be viewed on the CME Group's official website, at: xxxxx://xxxxxxxx.xxx. The Term SOFR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the Term SOFR rate, the Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the Term SOFR rate, but if the Parties change the margin to the Term SOFR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the Term SOFR rate shall correspond to the Term SOFR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the Term SOFR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the Term SOFR rate, but if the Parties change the margin to the Term SOFR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the Term SOFR rate, the amount of the updated Term SOFR rate corresponds to the Term SOFR index determined 2 (two) Banking days prior to the renewal date. If the Term SOFR rate renewal date coincides with a non-banking day, the Term SOFR rate renewal will occur on the following Banking day, with no change to the Term SOFR rate renewal date and renewal period specified in this Sub-paragraph. 3.2.5.4. The EURIBOR rate (interbank rate offered for EUR) shall be the rate offered for banks on term interbank deposits (so- called Prime Banks) denominated in EUR. The EURIBOR rate is based on the average interest rate set for interbank loans denominated in EUR by about 50 European Banks (so-called Panel Banks). EURIBOR The Term SOFR rate can be viewed on the European Money Market Institute's official website, at: xxxxx://xxx.xxxx-xxxxxxxxxx.xx. The EURIBOR rate is a renewable rate and is updated with the periods specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount). Furthermore: (a) at the time of entering into the Credit Agreement, the EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking Days prior to the date of the Credit Agreement. For mixed type Interest, when a fixed interest rate is set for the Credit and at a specific stage of the Credit Agreement it is replaced by the EURIBOR rate, the EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking Days prior to the replacement of the fixed interest rate by the EURIBOR index, but if the Parties change the margin to the EURIBOR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) the EURIBOR rate shall correspond to the EURIBOR index determined 2 (two) Banking Days prior to the date of signing the Annex about such amendment; and (b) the EURIBOR rate update period shall be calculated from the date of the conclusion of the Credit Agreement, and for mixed type Interest - from the date of replacement of the fixed interest rate with the EURIBOR rate, but if the Parties change the margin to the EURIBOR rate and/or the minimum Interest specified in the relevant Paragraph of the Credit Agreement (in the Paragraph relating to the Interest to be charged to the utilized Credit Amount) - from the date of signing the Annex about such amendment. Upon renewal of the EURIBOR rate, the amount of the updated EURIBOR rate corresponds to the EURIBOR index determined 2 (two) Banking days prior to the renewal date. If the EURIBOR rate renewal date coincides with a non-banking day, the EURIBOR rate renewal will occur on the following Banking day, with no change to the EURIBOR rate renewal date and renewal period specified in this Sub-paragraph. 3.3. Fine (Penalty) for violation of conditions of use of thethe Credit and the rule of its charging 3.3.1. The amount of the Penalty for violation of conditions of use of the Credit is determined by the Agreement. 3.3.2. The Penalty shall continue to be charged and shall be subject to payment in case of delay of the Credit payments, notwithstanding the effectiveness or termination of the Agreement, until the moment of forced or voluntary repayment of indebtedness envisaged by the Agreement by the Customer. 3.3.3. Payment of the Penalty does not exempt the Customer from fulfillment (payment) of obligations (payables) assumed under the Agreement. 3.4. Order of payment of the Credit Amount, Interest, Commission fee, Fine (Penalty) and other payables 3.4.1. The Customer explicitly and irrevocably agrees to pay the Credit Amount, Interest, Commission Fee, Penalty and make other payments in the following order: first the Commission Fee (if any) shall be paid, then the Penalty (if any), then the charged Interest, thereafter the Credit Amount and finally other amounts payable.