30 pt arial bold tamno sivo NASLOV 30 pt arial bold tamno sivo Naslovni slajd 2008

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

In line with the construction period 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 2

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

You will We shall WORKING TOGETHER 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 ESTABLISH SPC PARTICIPATE IN THE AMOUNT OF 30% OF THE INVESTMENT VALUE: - Location - Project documentation - Other OBTAIN CONSTRUCTION APPROVAL CHOOSE RIGHT CONTRACTOR (min 2 years of previous experience in construction and ability to provide performance guarantee) CONTRIBUTE WITH YOUR KNOWLEDGE AND EXPERIENCE 4

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

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

LOAN CONDITIONS Interest rate: 3M EURIBOR + ______% p.a. Disbursment fee: 0.5% on each disbursment of the loan Monitoring fee: up to 1% 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: 3-4% 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 7

THE MAIN ADVENTAGES FOR YOURSELVES 8

Contact the Bank and arrange a meeting with: YOUR NEXT STEP IS TO: Contact the Bank and arrange a meeting with: “Intesa gradnja” Unit 201 14 55 201 13 81 9

THANKS FOR YOUR ATTENTION 10