Annex 1a: Risk Disclosure Forms for Variable Interest Rate and Foreign Currency Loans

Annex 1a
Form RZ-1
INFORMATION
ABOUT RISKS OF BORROWING AT A VARIABLE NOMINAL INTEREST RATE AND RISKS OF BORROWING IN A FOREIGN CURRENCY OR BY CONTRACTING A CURRENCY CLAUSE To clearly explain the risks that you assume by borrowing at a variable nominal interest rate and borrowing in a foreign currency or by contracting a currency clause, we hereby inform you of the following:

1. On dd.mm.yyyy. you received the offer relating to the loan/lease contract that you are
   interested in, with the basic prescribed elements:
   Total amount you will pay during the repayment period expressed in dinars:
   Amount of annuity/average instalment expressed in dinars:
   Ratio of monthly income and average monthly annuity/average monthly instalment expressed in dinars:
2. By borrowing at a variable nominal interest rate and borrowing in a foreign currency or by
   contracting a currency clause, you assume the risk of change in the amount of calculated annuity/instalment depending on movement in the variable element of the interest rate and the dinar exchange rate. The text below contains a graphic overview of daily values of the variable element of the nominal interest rate and the official middle exchange rate of the dinar in the past ten (10) years, i.e. for the previous period which equals the repayment deadline from the offer, if the deadline is longer. Chart 1 Movement in the variable element of the nominal interest rate (6M EURIBOR) Chart 2 Movement in the official middle exchange rate of the dinar against the euro Example: seven-year loan indexed to the euro at a variable nominal interest rate – 6M EURIBOR Notes:
    full line denotes movement in the value of the variable element of the nominal interest rate, i.e. movement in the middle dinar exchange rate;  interrupted line denotes the value of the variable element of the nominal interest rate, i.e. the current value of the middle dinar exchange rate on the day of delivering the information;  shaded part denotes the previous period which equals the repayment deadline from the offer.

The highest historical values of the variable element of the nominal interest rate and the official middle exchange rate of the dinar in the time interval equal to the loan repayment deadline which precedes the day of delivery of the offer and this information are as follows:
Highest value of the variable element of the nominal interest rate*:
Highest value of the official middle exchange rate of the dinar:
3. To explain the consequences of unfavourable movement in the variable element of the nominal
interest rate and the dinar exchange rate, the tables below contain comparative overviews of the total amount you will pay during the repayment period expressed in dinars, the amount of annuity/average instalment expressed in dinars and the ratio of your monthly income to the amount of the average monthly annuity/average monthly instalment expressed in dinars under the current conditions and in the event of materialization of unfavourable movement in the variable element of the nominal interest rate and the dinar exchange rate. (The header of columns and rows contains values of the variable element of the interest rate in percentage and the numerical value of the middle exchange rate of the dinar under assumed scenarios)
Table 1 Total amount the consumer will pay during the repayment period expressed in dinars, under the
assumption of unfavourable movement in the variable element of the nominal interest rate and the dinar exchange rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Value of the official middle exchange rate of the dinar on the day of offer Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 1% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by

15%
Highest value of the official middle exchange rate of the dinar

Table 2 Amount of annuity/average instalment expressed in dinars, under the assumption of unfavourable
movement in the variable element of the nominal interest rate and the dinar exchange rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Value of the official middle exchange rate of the dinar on the day of offer Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 1% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 15% Highest value of the official middle exchange rate of the dinar
Table 3 Ratio of monthly income to average monthly annuity/average monthly instalment expressed in
dinars, under the assumption of unfavourable movement in the variable element of the nominal interest rate and the dinar exchange rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Value of the official middle exchange rate of the dinar on the day of offer Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by

1%
Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the official middle exchange rate of the dinar in the event of dinar’s depreciation by 15% Highest value of the official middle exchange rate of the dinar
4. On the website of the bank/lessor __________________ and the NBS __________________
you may calculate the amount of annuity and obtain an overview of the repayment schedule in the event of assumed individual or joint change in the variable element of the nominal interest rate and the dinar exchange rate at any moment during the repayment period.
5. You confirm with your signature that you received one copy of this information.
Place
(signature of authorised person and stamp of bank/lessor) dd.mm.yyyy. (signature of consumer)

Form RZ-2
INFORMATION
ABOUT RISKS OF BORROWING AT A VARIABLE NOMINAL INTEREST RATE To clearly explain the risks that you assume by borrowing at a variable nominal interest rate, we hereby inform you of the following:

1. On dd.mm.yyyy. you received the offer relating to the loan/lease contract that you are
   interested in, with the basic prescribed elements:
   Total amount you will pay during the repayment period expressed in dinars:
   Amount of annuity/average instalment expressed in dinars:
   Ratio of monthly income and average monthly annuity/average monthly instalment expressed in dinars:
2. By borrowing at a variable nominal interest rate, you assume the risk of change in the amount
   of calculated annuity/instalment depending on movement in the variable element of the nominal interest rate. The text below contains a graphic overview of daily values of the variable element of the nominal interest rate in the past ten (10) years, i.e. for the previous period which equals the repayment deadline from the offer, if the deadline is longer. Chart 1 Movement in variable element of the nominal interest rate (3M BELIBOR) Example: seven-year loan in dinars at a variable nominal interest rate – 3M BELIBOR Notes:
    full line denotes movement in the value of the variable element of the nominal interest rate;  interrupted line denotes the value of the variable element of the nominal interest rate on the day of delivering the information;  shaded part denotes the previous period which equals the repayment deadline from the offer.

The highest value of the variable element of the nominal interest rate in the time interval equal to the loan repayment deadline which precedes the day of delivery of the offer and this information are as follows:
Highest value of the variable element of the nominal interest rate*:
3. To explain the consequences of unfavourable movement in the variable element of the nominal
interest rate, the tables below contain comparative overviews of the total amount you will pay during the repayment period expressed in dinars, the amount of annuity/average instalment expressed in dinars and the ratio of your monthly income to the amount of the average monthly annuity/average monthly instalment expressed in dinars under the current conditions and in the event of materialization of unfavourable movement in the variable element of the nominal interest rate. (The header of columns contains values of the variable element of the interest rate in percentage under assumed scenarios)
Table 1 Total amount the consumer will pay during the repayment period expressed in dinars, under the
assumption of unfavourable movement in the variable element of the nominal interest rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Total amount the consumer will pay during the repayment period expressed in dinars
Table 2 Amount of annuity/average instalment expressed in dinars, under the assumption of unfavourable
movement in the variable element of the nominal interest rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Amount of annuity/average instalment expressed in dinars
Table 3 Ratio of monthly income to average monthly annuity/average monthly instalment expressed in
dinars, under the assumption of unfavourable movement in the variable element of the nominal interest rate Scenario Value of the variable element of the nominal interest rate on the day of offer Value of the variable element of the nominal interest rate on the day of offer plus 0.5 pp Value of the variable element of the nominal interest rate on the day of offer plus 1 pp Value of the variable element of the nominal interest rate on the day of offer plus 3 pp Value of the variable element of the nominal interest rate on the day of offer plus 5 pp Highest value of the variable element of the nominal interest rate* Ratio of monthly income to average monthly annuity/average

monthly instalment expressed in dinars
4. On the website of the bank/lessor __________________ and the NBS __________________
you may calculate the amount of annuity and obtain an overview of the repayment schedule in the event of change in the variable element of the nominal interest rate at any moment during the repayment period.
5. You confirm with your signature that you received one copy of this information.
Place
(signature of authorised person and stamp of bank/lessor) dd.mm.yyyy. (signature of consumer)

Form RZ-3
INFORMATION
ОN RISKS OF BORROWING IN A FOREIGN CURRENCY OR BY CONTRACTING A CURRENCY CLAUSE To transparently explain the risks that you assume by borrowing in a foreign currency or by contracting a currency clause, we hereby inform you of the following:

1. On dd.mm.yyyy. you received the offer relating to the loan/lease contract that you are
   interested in, with the basic prescribed elements:
   Total amount you will pay during the repayment period expressed in dinars:
   Amount of annuity/average instalment expressed in dinars:
   Ratio of monthly income and average monthly annuity/average monthly instalment expressed in dinars:
2. By borrowing in a foreign currency or by contracting a currency clause, you assume the risk
   of change in the amount of calculated annuity/instalment depending on movement in the dinar exchange rate. The text below contains a graphic overview of daily values of the official middle exchange rate of the dinar in the past ten (10) years, i.e. for the previous period which equals the repayment deadline from the offer, if the deadline is longer. Chart 1 Movement in the official middle exchange rate of the dinar (against the euro) Example: seven-year loan indexed to the euro at a fixed interest rate Notes:
    full line denotes movement in the middle exchange rate of the dinar;  interrupted line denotes the value of the middle exchange rate of the dinar on the day of delivering the information;  shaded part denotes the previous period which equals the repayment deadline from the offer.

The highest historical value of the official middle exchange rate of the dinar in the time interval equal to the loan repayment deadline which precedes the day of delivery of the offer and this information are as follows:
Highest value of the official middle exchange rate of the dinar*:
3. To highlight the consequences of unfavourable movement in the dinar exchange rate, the tables
below contain comparative overviews of the total amount you will pay during the repayment period expressed in dinars, the amount of annuity/average instalment expressed in dinars and the ratio of your monthly income to the amount of the average monthly annuity/average monthly instalment expressed in dinars under the current conditions and in the event of materialization of unfavourable movement in the dinar exchange rate. (The header of columns contains numerical values of the middle exchange rate of the dinar under assumed scenarios)
Table 1 Total amount the consumer will pay during the repayment period expressed in dinars, under the
assumption of unfavourable movement in the dinar exchange rate Scenario Value of the official middle exchange rate of the dinar on the day of offer Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 1% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 15% Highest value of the official middle exchange rate of the dinar* Total amount the consumer will pay during the repayment period expressed in dinars
Table 2 Amount of annuity/average instalment expressed in dinars, under the assumption of unfavourable
change in the dinar exchange rate
Scenario
Value of the official middle exchange rate of the dinar on the day of offer Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 1% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 15% Highest value of the official middle exchange rate of the dinar* Amount of annuity/average instalment expressed in dinars
Table 3 Ratio of monthly income to average monthly annuity/average monthly instalment expressed in
dinars, under the assumption of unfavourable movement in the dinar exchange rate Scenario Value of the official middle exchange rate of the dinar on the day of offer Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 1% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 5% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 10% Value of the middle exchange rate of the dinar in the event of dinar’s depreciation by 15% Highest value of the official middle exchange rate of the dinar* Ratio of monthly income to average monthly annuity/average monthly instalment expressed in dinars

4. On the website of the bank/lessor __________________ and the NBS __________________
   you may calculate the amount of annuity and obtain an overview of the repayment schedule in the event of assumed change in the dinar exchange rate at any moment during the repayment period.
5. You confirm with your signature that you received one copy of this information.
   Place
   (signature of authorised person and stamp of bank/lessor) dd.mm.yyyy. (signature of consumer)