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*Minimum monthly repayment amount is 5% of transaction amount and overdue installment of installment payment + total amount of eventual calculated interest (on the outstanding amount of debt) and fees.

**Instant issuing is enabled for Visa Classic deferred debit credit cards. The advantage of card instant issuing is that the client can take over and use his credit card the same day upon signing contractual documentation. 

***EKS is an interest rate that reflects all loan costs, including regular and capitalized interest rates. EKS for credit card is calculated for 2,000 BAM limit, with a monthly repayment of 5% of the remaining debt, and enrolment and membership fees included.
 
****Card transactions dated in the actual month are debited to the Card Holder's current account on the 20th day next month.
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