First Heartland Jýsan Bank

Subsidizing and Guaranteeing

Participants	Business segment I: small businesses Business segment II: small, medium-sized and large* businesses
Sector	Business segment I: no sectoral limitations Business segment II: no sectoral limitations, save for commercial activity projects seeking working capital financing (up to 100 million Tenge)
Loan amount	Business segment I: up to 20 million Tenge, working capital financing – up to 5 million Tenge Business segment II: up to 7 billion Tenge (if guaranteed – up to 1 billion Tenge)
Subsidization period	Business segment I: investments – up to 3 years, working capital financing – up to 2 years Business segment II: investments – up to 5 years, working capital financing – up to 3 years
Interest rate and subsidization amount	Business segment I: up to the base interest rate of the NB of the RoK + 8.5% (Annual Effective Rate of Return – from 19% p.a.) Business segment II: up to the base interest rate of the NB of the RoK + 5% (Annual Effective Rate of Return – from 15.16% p.a.), including 6% to be paid by the business person, whereas the balance will be subsidized by the State
Purpose of the loan	Investments Working capital financing Franchising (Business segment II) Refinancing (Business segment II)
Guarantee amount	Up to 85% of the loan amount
Loan currency	Tenge
Fees	No loan-related fees will be charged

* sectors referred to in the Program

For more details, please call at 7711 (toll free) or visit a Bank branch.

Any other questions?

Leave your contact data for our manager to get in touch with you shortly. He/she will advise you on any matter you are interested in.

By submitting this form, I herewith confirm my consent to the disclosure conditions