Banque Internationale à Luxembourg

société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

CUSTOMER ORIGINAL

European standardised information sheet (ESIS)

EUROPEAN STANDARDISED INFORMATION SHEET

This document was produced for MR AND MRS ANIRBAN DAS-CHAKRABORTY, on 16.12.2021.

This document was produced on the basis of the information that you have provided so far and on the current financial
market conditions.

The information below remains valid until 16.03.2022.

1. Lender (and/or hereinafter the "Bank")

Banque Internationale à Luxembourg, société anonyme

69, route d'Esch
L-2953 LUXEMBOURG

2. Main features of the Loan (and/or hereinafter the "Loan")

Amount and currency of the Loan to be granted 400.000,00 EUR

Duration of the loan (yearly) 35,77
Type of loan MORTGAGE
Applicable interest rate Variable
EAPR 1,377%
Total amount to be reimbursed: 509.216,59 EUR
This means that you will pay back 1,27 EUR for every EURO borrowed.
Value of the property assumed to prepare this information sheet: 800.000,00 EUR.
The Loan is guaranteed by the registration of a mortgage on the real estate object concerned. Where appropriate, and
subject to prior approval by the Lender, this mortgage may be replaced or supplemented by other guarantees to be agreed
and defined in the Loan Agreement.

3. Interest rate and other costs

The annual percentage rate of charge (APRC) is the total cost of the loan expressed as an annual percentage. The APRC is
provided to help you to compare different offers.

The APRC applicable to your loan is 1,377%.

It contains:

Interest rate 1,35%

Costs to be paid on a one-off basis:

Loan origination fee: 500,00 EUR

Costs to be paid regularly:

Credit account management fees: 7,50 EUR Quarterly

This APRC is calculated using assumptions regarding the interest rate.

Because your loan is a variable interest rate loan, the actual APRC could be different from this APRC if the interest rate for
your loan changes. For example, if the interest rate rose to 6,1%, the APRC could increase to 6,2608%.

The following costs are not known to the Lender and are therefore not included in the APRC:

Page : 1 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

CUSTOMER ORIGINAL

- insurance premiums
- notary fees

You will need to pay a fee to register the mortgage.

Please make sure that you are aware of all other taxes and costs associated with your loan.

EUROPEAN STANDARDISED INFORMATION SHEET

4. Frequency and number of payments

Repayment frequency: Monthly

Number of payments: 420

5. Amount of each instalment

Amount of each instalment: 1.198,38 EUR

Your income may change. Please consider whether you will still be able to afford your monthly repayment instalments if your
income decreases.

The interest rate on [part of] this loan can change. This means the amount of your instalments could increase or decrease.
For example, if the interest rate rose to 6,1%, your payments could increase to 2.317,15 EUR.

6. Illustrative repayment table

Date available: 16.12.2021

Date Capital remaining due Capital paid off Amount of interest Amount paid
31.12.2021 400.000,00 0,00 225,00 225,00

31.03.2022 400.000,00 0,00 1.350,00 1.350,00

30.06.2022 400.000,00 0,00 1.365,00 1.365,00
30.09.2022 400.000,00 0,00 1.380,00 1.380,00
15.10.2022 399.026,62 973,38 225,00 1.198,38
15.11.2022 398.291,85 1.708,15 463,61 1.198,38
15.12.2022 397.540,77 2.459,23 447,30 1.198,38

15.01.2023 396.803,98 3.196,02 461,59 1.198,38

15.02.2023 396.066,63 3.933,37 461,02 1.198,38
15.03.2023 395.283,40 4.716,60 415,15 1.198,38
15.04.2023 394.544,01 5.455,99 458,99 1.198,38
15.05.2023 393.789,24 6.210,76 443,61 1.198,38
15.06.2023 393.047,87 6.952,13 457,01 1.198,38
15.07.2023 392.291,16 7.708,84 441,67 1.198,38
15.08.2023 391.548,56 8.451,44 455,78 1.198,38
15.09.2023 390.804,57 9.195,43 454,39 1.198,38
15.10.2023 390.045,33 9.954,67 439,14 1.198,38
15.11.2023 389.300,12 10.699,88 453,17 1.198,38
15.12.2023 388.538,95 11.461,05 437,21 1.198,38
2024 379.427,91 20.572,09 5.269,52 14.380,56
2025 370.176,89 29.823,11 5.129,54 14.380,56
2026 360.798,59 39.201,41 5.002,27 14.380,56
2027 351.291,28 48.708,72 4.873,24 14.380,56
2028 341.666,37 58.333,63 4.755,66 14.380,56
2029 331.895,83 68.104,17 4.610,02 14.380,56
2030 321.990,87 78.009,13 4.475,60 14.380,56
2031 311.949,64 88.050,36 4.339,33 14.380,56
2032 301.781,99 98.218,01 4.212,91 14.380,56
2033 291.462,73 108.537,27 4.061,30 14.380,56
2034 281.001,49 118.998,51 3.919,32 14.380,56
2035 270.396,33 129.603,67 3.775,40 14.380,56

Page : 2 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

CUSTOMER ORIGINAL

2036 259.655,42 140.344,58 3.639,65 14.380,56

2037 248.756,58 151.243,42 3.481,72 14.380,56
2038 237.707,79 162.292,21 3.331,78 14.380,56
2039 226.507,00 173.493,00 3.179,77 14.380,56
2040 215.160,60 184.839,40 3.034,16 14.380,56

EUROPEAN STANDARDISED INFORMATION SHEET

2041 203.649,61 196.350,39 2.869,57 14.380,56
2042 191.980,25 208.019,75 2.711,20 14.380,56
2043 180.150,34 219.849,66 2.550,65 14.380,56
2044 168.164,41 231.835,59 2.394,63 14.380,56
2045 156.006,85 243.993,15 2.223,00 14.380,56
2046 143.682,02 256.317,98 2.055,73 14.380,56
2047 131.187,63 268.812,37 1.886,17 14.380,56
2048 118.526,22 281.473,78 1.719,15 14.380,56
2049 105.685,74 294.314,26 1.540,08 14.380,56
2050 92.668,60 307.331,40 1.363,42 14.380,56
2051 79.472,37 320.527,63 1.184,33 14.380,56
2052 66.097,51 333.902,49 1.005,70 14.380,56
2053 52.535,72 347.464,28 818,77 14.380,56
2054 38.787,34 361.212,66 632,19 14.380,56
2055 24.849,82 375.150,18 443,04 14.380,56
2056 10.721,40 389.278,60 252,14 14.380,56
2057 0,00 400.000,00 61,01 10.782,41
General total 400.000,00 107.636,59 507.636,59

7. Additional obligation

Salary domiciliation with the Lender.

Please note that the lending conditions described in this document (including the interest rate) may change if this obligation
is not complied with.

8. Early repayment

You have the possibility to repay this loan early, either fully or partially. Exclusively in the case of fixed-rate loans, an early
repayment fee may apply under certain conditions.

Should you decide to repay this loan early, please contact us to ascertain the exact level of the exit charge at that moment.

9. Other rights of the Borrower

You have 3 months after 16.12.2021 to reflect before contracting this loan.

10. Complaints

You can:
1. Visit your branch or your Relationship Manager because they know you and are able to advise you quickly.
2. Get in touch with the Contact and Services Branch by using the attached form (complaints must always be made
in writing). You will receive a reply within one month and where this is not possible, you will receive notification of
the response time.
3. Write to the Department responsible for complaints
QUALITY CONTROLS AND CLAIMS MANAGEMENT
69 Route d'Esch
L-2953 Luxembourg
4. If you are not satisfied with our response,
you can address your request to the CSSF, Commission de Surveillance du Secteur Financier
• http://www.cssf.lu/fileadmin/files/Formulaires/Reclamation_240615_EN.pdf
• http://www.cssf.lu/protection-consommateurs-financiers/reclamations/

Maximum complaint processing time: one month

Page : 3 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

CUSTOMER ORIGINAL

11. Non-compliance with the commitments linked to the loan: consequences for the Borrower

Should you encounter difficulties in making your payments, please contact us straight away to explore possible solutions.
As a last resort, your home may be repossessed if you do not keep up with payments.

12. Supervisor

EUROPEAN STANDARDISED INFORMATION SHEET

CSSF 283, route d'ARLON, L-1150 Luxembourg, www.cssf.lu

13. Additional information

A. Additional information on the differences between fixed and variable rates:

1. "A fixed rate is a rate that does not change over the term of the Loan or the validity period of the rate agreed
between the Bank and the Borrower. The Borrower is therefore able to know in advance and at all times the
amount of interest that must be paid on the Loan. Given that the fixed interest rate is calculated with reference in
particular to the rates used on the Luxembourg market, in the event of this reference rate changing over the term
of the Loan or the validity period of the rate agreed between the Bank and the Borrower, this will not affect the
fixed interest rate applied to the Loan. Consequently, if Luxembourg market rates move downwards, the Borrower
will be required to pay the Bank the same amount of interest and cannot therefore take advantage of the fall in
Luxembourg market rates. Similarly, if Luxembourg market rates increase, the Borrower will not be required to
pay more interest than initially set out under the Specific Terms and Conditions. The Borrower is therefore not
affected by the volatility of Luxembourg market rates."
2. "A variable rate is a rate whose level may fluctuate over the term of the Loan. In fact, variable interest rates are
based on Luxembourg market rates which are subject to fluctuation. The level of the variable interest rate
therefore follows changes in Luxembourg market rates. Consequently, the amount of interest that the Borrower
must pay the Bank may increase or decrease depending on changes in Luxembourg market rates."

B. Additional information on setting fixed and variable rates: Variable and fixed rates are set on the basis of the two
following components:
1. "The Bank's Refinancing Rate, which depends on the interbank rates used on the euro zone interbank market for
fixed rates and the European Central Bank's refinancing rate or interbank benchmark rates for variable rates. If the
Refinancing Rate is negative, the Bank applies a floor rate of 0%;
2. The Lending Margin, which is based on Luxembourg's creditworthiness, the Luxembourg market rates for the
product in question and the term of the Loan but also the Borrower's creditworthiness (in particular, his/her ability
to repay the loan), the collateral provided to the Bank, and the Bank's internal administrative costs relating to the
Loan."

C. Additional information on the variability of the variable rate: "Changes in the variable rate are determined in particular
by the European Central Bank's Main Refinancing Operations Rate or interbank benchmark rates. It should be
understood that the relationship between the Loan interest rate and this refinancing rate is not linear and may involve a
certain time lapse. Please note once again that if this refinancing rate is negative, the Bank will apply a floor rate of 0%."

D. Additional information on early repayment of a fixed rate loan: "In the event of early repayment, the Bank incurs
charges in addition to those for arranging the Loan and it may be impossible, depending on developments on financial
markets, to reinvest the funds initially borrowed for the term initially fixed at the same interest rate. Early repayment
therefore has a cost for the Bank. It is expressed as a loss of interest discounted to present value. In the event of early
repayment, a fee is therefore payable by the client, which is calculated as being the difference, for each repayment
period of the Loan subsequent to the early repayment, between the initial interest (calculated on the basis of the Initial
Refinancing Rate of the Loan) and the reinvestment interest (calculated on the basis of the Refinancing Rate on the
early repayment date), multiplied by the discount factor. The total charges correspond to the sum of this discounted
difference in interest for all future repayment periods.
In all cases, if the Loan has been taken out for the purpose of acquiring a home that has served as the Borrower's actual
main residence for an uninterrupted period of at least two years, the fee cannot be greater than an amount
corresponding to six months' interest on the capital repaid at the time of each early repayment, calculated at the
contractually agreed rate applicable on the repayment date. In accordance with the regulations in force on the date
indicated above, however, this limit does not apply to the fraction of the cumulative amount of the early repayments that
exceeds EUR 450,000. It is the Borrower's responsibility to produce residence certificates showing his/her entitlement to
benefit from this cap on the Early Repayment fee."

Page : 4 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

BANK ORIGINAL

European standardised information sheet (ESIS)

EUROPEAN STANDARDISED INFORMATION SHEET

This document was produced for MR AND MRS ANIRBAN DAS-CHAKRABORTY, on 16.12.2021.

This document was produced on the basis of the information that you have provided so far and on the current financial
market conditions.

The information below remains valid until 16.03.2022.

1. Lender (and/or hereinafter the "Bank")

Banque Internationale à Luxembourg, société anonyme

69, route d'Esch
L-2953 LUXEMBOURG

2. Main features of the Loan (and/or hereinafter the "Loan")

Amount and currency of the Loan to be granted 400.000,00 EUR

Duration of the loan (yearly) 35,77
Type of loan MORTGAGE
Applicable interest rate Variable
EAPR 1,377%
Total amount to be reimbursed: 509.216,59 EUR
This means that you will pay back 1,27 EUR for every EURO borrowed.
Value of the property assumed to prepare this information sheet: 800.000,00 EUR.
The Loan is guaranteed by the registration of a mortgage on the real estate object concerned. Where appropriate, and
subject to prior approval by the Lender, this mortgage may be replaced or supplemented by other guarantees to be agreed
and defined in the Loan Agreement.

3. Interest rate and other costs

The annual percentage rate of charge (APRC) is the total cost of the loan expressed as an annual percentage. The APRC is
provided to help you to compare different offers.

The APRC applicable to your loan is 1,377%.

It contains:

Interest rate 1,35%

Costs to be paid on a one-off basis:

Loan origination fee: 500,00 EUR

Costs to be paid regularly:

Credit account management fees: 7,50 EUR Quarterly

This APRC is calculated using assumptions regarding the interest rate.

Because your loan is a variable interest rate loan, the actual APRC could be different from this APRC if the interest rate for
your loan changes. For example, if the interest rate rose to 6,1%, the APRC could increase to 6,2608%.

The following costs are not known to the Lender and are therefore not included in the APRC:

Page : 1 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

BANK ORIGINAL

- insurance premiums
- notary fees

You will need to pay a fee to register the mortgage.

Please make sure that you are aware of all other taxes and costs associated with your loan.

EUROPEAN STANDARDISED INFORMATION SHEET

4. Frequency and number of payments

Repayment frequency: Monthly

Number of payments: 420

5. Amount of each instalment

Amount of each instalment: 1.198,38 EUR

Your income may change. Please consider whether you will still be able to afford your monthly repayment instalments if your
income decreases.

The interest rate on [part of] this loan can change. This means the amount of your instalments could increase or decrease.
For example, if the interest rate rose to 6,1%, your payments could increase to 2.317,15 EUR.

6. Illustrative repayment table

Date available: 16.12.2021

Date Capital remaining due Capital paid off Amount of interest Amount paid
31.12.2021 400.000,00 0,00 225,00 225,00

31.03.2022 400.000,00 0,00 1.350,00 1.350,00

30.06.2022 400.000,00 0,00 1.365,00 1.365,00
30.09.2022 400.000,00 0,00 1.380,00 1.380,00
15.10.2022 399.026,62 973,38 225,00 1.198,38
15.11.2022 398.291,85 1.708,15 463,61 1.198,38
15.12.2022 397.540,77 2.459,23 447,30 1.198,38

15.01.2023 396.803,98 3.196,02 461,59 1.198,38

15.02.2023 396.066,63 3.933,37 461,02 1.198,38
15.03.2023 395.283,40 4.716,60 415,15 1.198,38
15.04.2023 394.544,01 5.455,99 458,99 1.198,38
15.05.2023 393.789,24 6.210,76 443,61 1.198,38
15.06.2023 393.047,87 6.952,13 457,01 1.198,38
15.07.2023 392.291,16 7.708,84 441,67 1.198,38
15.08.2023 391.548,56 8.451,44 455,78 1.198,38
15.09.2023 390.804,57 9.195,43 454,39 1.198,38
15.10.2023 390.045,33 9.954,67 439,14 1.198,38
15.11.2023 389.300,12 10.699,88 453,17 1.198,38
15.12.2023 388.538,95 11.461,05 437,21 1.198,38
2024 379.427,91 20.572,09 5.269,52 14.380,56
2025 370.176,89 29.823,11 5.129,54 14.380,56
2026 360.798,59 39.201,41 5.002,27 14.380,56
2027 351.291,28 48.708,72 4.873,24 14.380,56
2028 341.666,37 58.333,63 4.755,66 14.380,56
2029 331.895,83 68.104,17 4.610,02 14.380,56
2030 321.990,87 78.009,13 4.475,60 14.380,56
2031 311.949,64 88.050,36 4.339,33 14.380,56
2032 301.781,99 98.218,01 4.212,91 14.380,56
2033 291.462,73 108.537,27 4.061,30 14.380,56
2034 281.001,49 118.998,51 3.919,32 14.380,56
2035 270.396,33 129.603,67 3.775,40 14.380,56

Page : 2 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

BANK ORIGINAL

2036 259.655,42 140.344,58 3.639,65 14.380,56

2037 248.756,58 151.243,42 3.481,72 14.380,56
2038 237.707,79 162.292,21 3.331,78 14.380,56
2039 226.507,00 173.493,00 3.179,77 14.380,56
2040 215.160,60 184.839,40 3.034,16 14.380,56

EUROPEAN STANDARDISED INFORMATION SHEET

2041 203.649,61 196.350,39 2.869,57 14.380,56
2042 191.980,25 208.019,75 2.711,20 14.380,56
2043 180.150,34 219.849,66 2.550,65 14.380,56
2044 168.164,41 231.835,59 2.394,63 14.380,56
2045 156.006,85 243.993,15 2.223,00 14.380,56
2046 143.682,02 256.317,98 2.055,73 14.380,56
2047 131.187,63 268.812,37 1.886,17 14.380,56
2048 118.526,22 281.473,78 1.719,15 14.380,56
2049 105.685,74 294.314,26 1.540,08 14.380,56
2050 92.668,60 307.331,40 1.363,42 14.380,56
2051 79.472,37 320.527,63 1.184,33 14.380,56
2052 66.097,51 333.902,49 1.005,70 14.380,56
2053 52.535,72 347.464,28 818,77 14.380,56
2054 38.787,34 361.212,66 632,19 14.380,56
2055 24.849,82 375.150,18 443,04 14.380,56
2056 10.721,40 389.278,60 252,14 14.380,56
2057 0,00 400.000,00 61,01 10.782,41
General total 400.000,00 107.636,59 507.636,59

7. Additional obligation

Salary domiciliation with the Lender.

Please note that the lending conditions described in this document (including the interest rate) may change if this obligation
is not complied with.

8. Early repayment

You have the possibility to repay this loan early, either fully or partially. Exclusively in the case of fixed-rate loans, an early
repayment fee may apply under certain conditions.

Should you decide to repay this loan early, please contact us to ascertain the exact level of the exit charge at that moment.

9. Other rights of the Borrower

You have 3 months after 16.12.2021 to reflect before contracting this loan.

10. Complaints

You can:
1. Visit your branch or your Relationship Manager because they know you and are able to advise you quickly.
2. Get in touch with the Contact and Services Branch by using the attached form (complaints must always be made
in writing). You will receive a reply within one month and where this is not possible, you will receive notification of
the response time.
3. Write to the Department responsible for complaints
QUALITY CONTROLS AND CLAIMS MANAGEMENT
69 Route d'Esch
L-2953 Luxembourg
4. If you are not satisfied with our response,
you can address your request to the CSSF, Commission de Surveillance du Secteur Financier
• http://www.cssf.lu/fileadmin/files/Formulaires/Reclamation_240615_EN.pdf
• http://www.cssf.lu/protection-consommateurs-financiers/reclamations/

Maximum complaint processing time: one month

Page : 3 / 4
SC-1691273-FISE-5100218731
 Banque Internationale à Luxembourg
société anonyme
69, route d'Esch · L-2953 Luxembourg · Tél.: (+352) 4590-1
R.C.S. Luxembourg B-6307 · BIC Code : BILLLULL
TVA : LU 11180925 · LEI Code : 9CZ7TVMR36CYD5TZBS50

Our references : 1691273 - 001 Date : 16.12.2021

BANK ORIGINAL

11. Non-compliance with the commitments linked to the loan: consequences for the Borrower

Should you encounter difficulties in making your payments, please contact us straight away to explore possible solutions.
As a last resort, your home may be repossessed if you do not keep up with payments.

12. Supervisor

EUROPEAN STANDARDISED INFORMATION SHEET

CSSF 283, route d'ARLON, L-1150 Luxembourg, www.cssf.lu

13. Additional information

A. Additional information on the differences between fixed and variable rates:

1. "A fixed rate is a rate that does not change over the term of the Loan or the validity period of the rate agreed
between the Bank and the Borrower. The Borrower is therefore able to know in advance and at all times the
amount of interest that must be paid on the Loan. Given that the fixed interest rate is calculated with reference in
particular to the rates used on the Luxembourg market, in the event of this reference rate changing over the term
of the Loan or the validity period of the rate agreed between the Bank and the Borrower, this will not affect the
fixed interest rate applied to the Loan. Consequently, if Luxembourg market rates move downwards, the Borrower
will be required to pay the Bank the same amount of interest and cannot therefore take advantage of the fall in
Luxembourg market rates. Similarly, if Luxembourg market rates increase, the Borrower will not be required to
pay more interest than initially set out under the Specific Terms and Conditions. The Borrower is therefore not
affected by the volatility of Luxembourg market rates."
2. "A variable rate is a rate whose level may fluctuate over the term of the Loan. In fact, variable interest rates are
based on Luxembourg market rates which are subject to fluctuation. The level of the variable interest rate
therefore follows changes in Luxembourg market rates. Consequently, the amount of interest that the Borrower
must pay the Bank may increase or decrease depending on changes in Luxembourg market rates."

B. Additional information on setting fixed and variable rates: Variable and fixed rates are set on the basis of the two
following components:
1. "The Bank's Refinancing Rate, which depends on the interbank rates used on the euro zone interbank market for
fixed rates and the European Central Bank's refinancing rate or interbank benchmark rates for variable rates. If the
Refinancing Rate is negative, the Bank applies a floor rate of 0%;
2. The Lending Margin, which is based on Luxembourg's creditworthiness, the Luxembourg market rates for the
product in question and the term of the Loan but also the Borrower's creditworthiness (in particular, his/her ability
to repay the loan), the collateral provided to the Bank, and the Bank's internal administrative costs relating to the
Loan."

C. Additional information on the variability of the variable rate: "Changes in the variable rate are determined in particular
by the European Central Bank's Main Refinancing Operations Rate or interbank benchmark rates. It should be
understood that the relationship between the Loan interest rate and this refinancing rate is not linear and may involve a
certain time lapse. Please note once again that if this refinancing rate is negative, the Bank will apply a floor rate of 0%."

D. Additional information on early repayment of a fixed rate loan: "In the event of early repayment, the Bank incurs
charges in addition to those for arranging the Loan and it may be impossible, depending on developments on financial
markets, to reinvest the funds initially borrowed for the term initially fixed at the same interest rate. Early repayment
therefore has a cost for the Bank. It is expressed as a loss of interest discounted to present value. In the event of early
repayment, a fee is therefore payable by the client, which is calculated as being the difference, for each repayment
period of the Loan subsequent to the early repayment, between the initial interest (calculated on the basis of the Initial
Refinancing Rate of the Loan) and the reinvestment interest (calculated on the basis of the Refinancing Rate on the
early repayment date), multiplied by the discount factor. The total charges correspond to the sum of this discounted
difference in interest for all future repayment periods.
In all cases, if the Loan has been taken out for the purpose of acquiring a home that has served as the Borrower's actual
main residence for an uninterrupted period of at least two years, the fee cannot be greater than an amount
corresponding to six months' interest on the capital repaid at the time of each early repayment, calculated at the
contractually agreed rate applicable on the repayment date. In accordance with the regulations in force on the date
indicated above, however, this limit does not apply to the fraction of the cumulative amount of the early repayments that
exceeds EUR 450,000. It is the Borrower's responsibility to produce residence certificates showing his/her entitlement to
benefit from this cap on the Early Repayment fee."

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