First Heartland Jýsan Bank

Loan interest rates reduced

Participants	Business segment I – entrepreneurs from rural communities, towns and single-industry cities Business segment II – small, medium-sized, and large businesses*
Industry	Business segment I – no limitations by industry Business segment II – no limitations by industry, except for trading projects working capital financing (up to 100 million tenge) – 500 million tenge
Loan amount	Business segment I – up to 750 million tenge Business segment II – up to 7 billion tenge
Subsidizing period	Up to 5 years
Interest rate and subsidized amount	Up to the base interest rate of the National Bank of the Republic of Kazakhstan + 5%, including 6% to be paid by the entrepreneur, whereas the balance is to be subsidized by the State (Annual Effective Rate of Return is from 15.7% p.a.)
Purpose of the loan	Investing Working capital financing Franchising Refinancing
Loan currency	Tenge
Fees	No loan-related commissions will be charged

* industries set forth by the Program

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