Internal index - the interest rate on deposits in MDL, offered to individuals for a period of 6 months.

The reference index applicable for an interest period shall be set either on 18 February, with effect from 5 March, or on 18 August, with effect from 5 September of each calendar year, depending on the which of these data is closer.

It is used to calculate the interest rate for the following credit products:

• Secured loans
• Mortgage loans in MDL

LIBOR 6M Index ("London Interbank Offered Rate") - is an independent, internationally recognized benchmark, representing the minimum or basic interest rate on loans granted to senior banks for a specified period, on the London market. The index represents the arithmetic average of the interest rates applied by the main banks, for the most important convertible currencies on the international financial market.

The reference index applicable for an interest period shall be determined either on 25 March or on 25 September of each calendar year, whichever is the closer.

It is used to calculate the interest rate for the following credit products:

• Mortgage loan in USD

EURIBOR 6M Index ("Euro Interbank Offered Rate") - the interest rate at which European banks lend to each other in EUR. It is calculated daily, as an average of the interest rates charged by the most important banks in the euro area.

The reference index applicable to an interest period shall be determined either on 25 March or on 25 September of each calendar year, whichever is the closer.

It is used to calculate the interest rate for the following credit products:

• Mortgage loan in EUR