Overdraft facility

In order to finance companies' working capital needs Bank DnB NORD Polska offers current
account credit lines.
Overdraft Facility terms and conditions are subject to individual negotiations and has been
tailored to individual needs of the client.
Overdraft facility is available in PLN, EUR and USD.


Investment loans

To finance investment projects Bank DnB NORD Polska provides the Client with medium and
long-term investment loans.
Depending on the currency chosen PLN, EUR, USD, the interest rate may be float or be
fixed for the entire crediting period.
The terms and conditions are negotiated with the Client and tailored to individual needs,
financial situation and repayment abilities.


Real estate financing

Real estate financing is provided to finance commercial real estate development, which the
investor designates for further resale or utilizes for its own business purposes.
The facility may be applied to finance office and retail buildings, storage space and
residential units.

The facility is granted in PLN, EUR, USD.
The terms and conditions are negotiated with clients on individual basis and tailored to their
specific needs.


Syndicated loans

Bank DnB NORD Polska Polska creates credit consortia to finance large projects whose value requires
the involvement of other banks. Bank DnB NORD Polska organizes a banking consortium to
provide such financing, utilizing its market knowledge and good relationships with other banks.

The Client negotiates the terms and conditions only with Bank DnB NORD Polska who represents
the interests of all Consortium member - banks. Bank DnB NORD Polska takes also part, as a
member, in consortia which are organized by other banks.

For more information contact:

Ms. Karolina Rzączyńska tel. +48 22 524 13 63
Mr. Tomasz Cichopek tel. +48 22 524 13 02