Common use of Early Repayment Fee Clause in Contracts

Early Repayment Fee. For fixed-rate loans: If paid off / closed: 2% (but no more than the maximum threshold per period, as stipulated herein). X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 2% - with more than 24 months left to credit maturity 1% - with 12 to 24 months left to credit maturity 0.5% - with 6 to 12 months left to credit maturity 0% - with less than 6 months left to credit maturity If paid off / closed: 0.5% (but no more than the maximum threshold per period, as stipulated herein). X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 0.5% - with more than 6 left until the expiration of the agreement 0% - with less than 6 months left until the expiration of the agreement

Early Repayment Fee. For fixed-rate loans: If paid off / closed: 2% (but no more than the maximum threshold per period, as stipulated herein). : X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 2% - with more than 24 months left to credit maturity 1% - with 12 to 24 months left to credit maturity 0.5% - with 6 to 12 months left to credit maturity 0% - with less than 6 months left to credit maturity If paid off / closed: 0.5% (but no more than the maximum threshold per period, as stipulated herein). X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 0.5% - with more than 6 left until the expiration of the agreement 0% - with less than 6 months left until the expiration of the agreement

Early Repayment Fee. For fixed-rate loans: If paid off / closed: 2% (but no more than the maximum threshold per period, as stipulated herein). X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 2% - with more than 24 months left to credit maturity 1% - with 12 to 24 months left to credit maturity 0.5% - with 6 to 12 months left to credit maturity 0% - with less than 6 months left to credit maturity For adjustable-rate loans (tied to a Refinancing index): If paid off / closed: 0.5% (but no more than the maximum threshold per period, as stipulated herein). X% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than 0-Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. This provision applies during a calendar month, once only. X% if paid off with own funds. Z% of the amount paid towards the outstanding principal balance – if the prepaid amount is more than Yx the scheduled monthly principal, accrued interest and insurance premium at the time of payment. But no more than: 0.5% - with more than 6 left until the expiration of the agreement 0% - with less than 6 months left until the expiration of the agreementagreement 2.12 External Refinancing Fee: For fixed-rate loans: 2% of the scheduled monthly principal, accrued interest and insurance premium at the time of payment, but no more than: 2% - with more than 24 months left to credit maturity 1% - if 12 to 24 months left to credit maturity 0.5% - if 6 to 12 months left to credit maturity 0% - with less than 6 months left to credit maturity For adjustable-rate loans (tied to a Refinancing index): 0.5% of the amount paid towards the outstanding principal balance at the time of payment, but no more than: 0.5% - with more than 6 months left until the expiration of the agreement 2.13 Approval Fee: