1. Flat 1 Earlier the property rights were applied mostly for privatization of flats, Flat 2 Flat 3 Flat 4

2. the whole house stayed the communal property while Flat 1Flat 2 Flat 3 Flat 4

3. HOA Homeowners Associations (HOAs) is the decision-making mechanism for owners of flats within one building. Homeowners Associations (HOAs) is the ordering party on behalf of members and has the right to make deals with third parties, like service providers and government bodies Municipalities Service providers Commercial bank is the natural partner of HOA.

4. as of 2012 there are $15 billion annual volume of utility services In Ukraine, there are app. 220 000 apartment buildings app. 14 000 HOA’s app. 14 000 HOA’s

5. HOA is the key to the huge audience of customers for banks

6. $214 563 investments $214 563 investments $21 128 annual economy $21 128 annual economy 12,6 years ROI period 12,6 years ROI period Modernization of the apartment buildings is the safe and stable source of income for banks $21 128 saved $29 579$50 708$92 964$202 832$211 284$249 315 calculations for 9-floor building with 72 apartments and total flat of 4184 sq.mt $266 217 after 1 yearafter 1,4 years after 2,4 years after 4,4 yearsafter 9,6 years after 10 years after 11,8 years after 12,6 years ROOF WARMING $19 919 investments $1 585 annual savings 12,6 years ROI period SEALING THE WINDOWS $19 211 investments $1 914 annual savings 10 years ROI period ENERGY EFFICIENT LIGHT BULBS AND MOVEMENT SENSORS $2 788 i nvestments $632 annual savings 4,4 years ROI period HEAT-REFLECTORS BEHIND THE RADIATORS $811 i nvestments $573 annual savings 1,4 year ROI period ENERGY MANAGEMENT SYSTEM $951 i nvestments $394 annual savings 2,4 years ROI period BASEMENT WATER-PROOFING $13 010 investments $1 358 annual savings 9,6 years ROI period HEAT INSULATION OF PIPES AND TAPS $1 426 investments $1 372 annual savings 1 year ROI period FAÇADE WARMING $145 446 investments $13 300 annual savings 11,8 years ROI period

7. after 110 kWh per year after 110 kWh per year before 230 kWh per year before 230 kWh per year 1 sq.mt *figures are based on Bukietowa project (Poland) UAH 2.70 Monthly investments for 1 sq.mt. during the ROI period (12,6 years) Decrease of heating loss in kWh* 53% Decrease of heating loss in kWh* 53% calculations for 9-floor building with 72 apartments and total flat of 4184 sq. m Decrease of heating expenses in kWh* 53% Decrease of heating expenses in kWh* 53% calculations for 9-floor building with 72 apartments and total flat of 4184 sq. m 214 563 investments 214 563 investments $21 128 annual economy $21 128 annual economy 12,6 years ROI period 12,6 years ROI period Modernization of the apartment buildings is the safe and stable source of income for banks ₴168 816 saved ₴236 342₴405 158₴742 790₴1 620 634₴1 688 160₴1 992 029$266 217 after 12,6 years ROOF WARMING $19 919 investments $1 585 annual savings 12,6 years ROI period SEALING THE WINDOWS $19 211 investments $1 914 annual savings 10 years ROI period ENERGY EFFICIENT LIGHT BULBS AND MOVEMENT SENSORS $2 788 i nvestments $632 annual savings 4,4 years ROI period HEAT-REFLECTORS BEHIND THE RADIATORS $811 i nvestments $573 annual savings 1,4 year ROI period ENERGY MANAGEMENT SYSTEM $951 i nvestments $394 annual savings 2,4 years ROI period BASEMENT WATER-PROOFING $13 010 investments $1 358 annual savings 9,6 years ROI period HEAT INSULATION OF PIPES AND TAPS $1 426 investments $1 372 annual savings 1 year ROI period FAÇADE WARMING $145 446 investments $13 300 annual savings 11,8 years ROI period

8. Loan AIMS OF THE CREDIT Other actiona Heating modernization Complex renovation Warming of the house SOURCES FOR LOAN RETURN Higher monthly payments Energy saving Return Bank gives the loan in terms of clear and simple criteria Credit is directed into modernization, so it helps to save money The loan is partly guaranteed by the bank accounts of HOA, as well as guarantees from IFC and the government Partly guarantee HOA’s bank account May ₴ HOA’s joint monthly payment Government subsidies Debtor Creditor after 110 kWh per year after 110 kWh per year before 230 kWh per year before 230 kWh per year 1 sq.mt *figures are based on Bukietowa project (Poland) UAH 2.70 Monthly investments for 1 sq.mt. during the ROI period (12,6 years) calculations for 9-floor building with 72 apartments and total flat of 4184 sq. m Decrease of heating expenses in kWh* 53% Decrease of heating expenses in kWh* 53%

9. Product is self-financed Part of the corporate social responsibility Stable source of incomes even in time of crisis There’s no case of default Access to the huge number of the potential clients Loan AIMS OF THE CREDIT Other actiona Heating modernization Complex renovation Warming of the house SOURCES FOR LOAN RETURN Higher monthly payments Energy saving Return The loan is partly guaranteed by the bank accounts of HOA, as well as guarantees from IFC and the government Partly guarantee HOA’s bank account May ₴ HOA’s joint monthly payment Government subsidies Debtor Creditor

10. HOA