RDB Partner   RDB PRODUCT & SERVICE: n/a

WHOLESALER FOR FINANCIAL SECTOR:

Term loan

This type of loan is for a specific period of time where both interest and principal are amortized over the loan period. A term loan may be extended as long-term subordinated debt, which would be considered as equity of the MFI. Initial drawdown of loan by partner shall not be more than 50% of the approved loan. Maximum: 3 drawdowns. Period of loan: 3 to 5 years with review in 18 months.

Credit line

The principal is maintained over the period of the loan and repaid at the end of the loan period. Interest is regularly paid on the outstanding principal balance.

Amount and number of drawdowns: unlimited number of drawdowns based on the evaluation of credit officer and disbursement policy. Period of loan: 3 to 5 years with review in 18 months. Mode of payment: full payment of the amount of each drawdown within 12 months.

Secondary loan

This primary lending window provides loans to secondary lenders that on-lend the funds to secondary borrowers which retail the funds to end-borrowers.

Institutional credit

Institutional credit is provided to finance the institutional development and capacity building programs of partners to strengthen their organizational capacity. These loans are usually given to program partners for start-up or expansion.

Long-term loans

This lending facility is provided to agriculture-industry planting or production in long-term mandates.

	LOAN
	Interest Rate:	Please call our Credit Department.
	Service charge per annum:		USD: 0.50% - 1% KHR: 0.50% - 1%

RDB PARTNERS

N/A

Initial minimum deposit:                  USD: 100.00               KHR : 100,000.00 
Interest Rate:                                   USD: 1.00 % P.A         KHR : 1.5 % P.A

                                                         Interest calculated every 3 months.

Passbook:                                         Free

Lost passbook replacement:            $5.00 (charge)

Account close within 6 months:       $20.00 (charge) or Riels equivalent

Initial minimum Deposit:                 USD: 500.00                KHR: 1,000,000.00

Credit balance:                                 No interest paid

Debit balance:                                  Overdraft facility subject to agreement

Cheque book (20 Leaves):               $5.00

Certified cheque:                              $10.00 per check

CHEQUE RETURNED:

Insufficient funds:                  $10.00 per check + Clearing charge

Other reason:                         Clearing charge

Account close within 6 months:       $20.00 (charge) or Riels equivalent

Balance confirmation:                      $10.00

Monthly Statement:                          Free

Initial minimum deposit:                  USD:       1,000.00
                                                          KHR: 1,000,000.00

Interest Rate:  Please call our Operation Department for current interest rates r                       Closing / withdrawal before maturity date: NO interest paid.

Inward:                                             0.25% min $ 15.00

Outward:                                           0.30% min $ 15.00 + telex: $ 30.00