NOTE:

• The Prime Lending Rate (SBDK) is determined by the Bank based on various factors, including the benchmark interest rate set by the authorities, the Cost of Funds, Overhead Costs, Profit Margins, and developments in economic conditions.

• The Prime Lending Rate (SBDK) has not taken into account the risk premium estimation component, the amount of which depends on the Bank's assessment of the risk for each debtor or group of debtors.

• SBDK information that is valid at any time can be seen in the publication at each Bank office and/or the Bank's website.