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Pre-contractual information

STATEMENT OF ACCEPTANCE OF THE CREDIT OFFER, ______
(related to entrepreneurial activity)

I, the undersigned, ________________, identified by ___________, series ___, number ________, issued by ___________, on ____________, personal code ____________, declare in full knowledge that the Creditor has made it available to me, and I have made known and accept the following below:

1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page

2. Description of main Characteristics of the Credit Product (offer)

Type of loan

Total loan amount

Conditions governing the drawdown of the credit
(the method and timing of accessing the funds)

Depending on the terms of the loan product and the contractual provisions individually negotiated by the Parties, the disbursement of funds will be made by bank transfer to the account indicated by the Borrower, or (at the Borrower’s discretion) via the MIA Instant Payments system, by direct transfer to the Creditor’s Partner, following the signing of the loan agreement and verification of compliance with the eligibility conditions.

Term of credit agreement, months

The credit is granted for a fixed period of time, and its reimbursement is obligatory It is possible to extend the term of the loan for new periods provided that the Debtor meets the eligibility conditions of the Creditor.

Loan purpose:

For entrepreneurial / professional activity (trade, production, services, etc.)

The order and installments in which the funds will be disbursed
What should be repaid:

monthly installments of
The amount, quantity and frequency of payments

Date	Credit rate	Interest rate	Commission	Total to be paid

These numbers can vary slightly depending of the day of actual credit disbursement

The amount of the first payment represents the commission related to the services provided for the loan usage, calculated based on the total loan amount, and paid by the Borrower on the loan disbursement date from their own funds, or deducted by the Creditor from the loan amount at the Borrower's choice. The amount of the monthly payment corresponds to the currency of the loan.

Interest and/or charges are to be paid in the following order

monthly

Total amount to be paid

-

Total cost of credit

-

This represents the sum of the borrowed principal plus interest and any applicable loan-related costs

These numbers can vary slightly depending of the day of actual credit disbursement

Necessary guarantees

Guarantee and/or pledge.

Repayments do not lead to immediate amortization of the capital

Repayments can lead to immediate amortization of the capital

3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total loan amount. The APR helps you compare different loan offers.	%
In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the loan agreement	The fee for services related to the use of the loan shall be calculated and paid as follows: of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force. The charging of the said fee is justified by the consideration provided by the Creditor in connection with the Borrower’s use of the loan, namely: prior notification of the Borrower via SMS regarding payment due dates and any delays in loan repayment; call center support and the possibility to promptly obtain answers to any questions related to the granted loan; approval and maintenance of the Borrower’s credit limit following the performance of a financial analysis; assessment of the Borrower’s creditworthiness and coverage of costs related to access to public registers and BIC registers. The renegotiation and/or extension of the loan may be carried out by mutual agreement of the Parties through the execution of an additional agreement, with the Creditor being entitled to request an increase of the interest rate within the limits provided by applicable law.
The conditions under which the costs under the loan agreement may be modified	The Parties may modify the costs related to the credit by a written agreement signed by all Parties and/or concluded by means of distance communication, provided that the Creditor gives its consent. For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery)	Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledge	Paid by the Client directly to the Evaluator
Costs in the case of late payments Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
Loan repayment may be made free of charge at the Creditor's branch offices, as well as at the Borrower's discretion through authorized payment collection agents, the list of which and the applicable fees are published on the Creditor's website (https://microinvest.md/en/how-to-pay-the-loan/). If the Borrower uses fee-based payment methods, the Borrower shall bear all loan repayment costs and undertakes to make payments in such a manner that the Creditor receives the agreed repayment amount in full, without any deductions by third parties processing the repayment.	In the event of failure to provide the agreed collateral within the specified timeframe, or if the Borrower fails to comply with the obligation to supplement the collateral required to secure the repayment of the loan, the Creditor shall be entitled to calculate, and the Borrower shall pay to the Creditor, default interest in the amount of 5% per annum, for each day of delay, starting from the day following the deadline set for establishing the collateral and until the proper fulfillment of the respective obligation. The total cost of the loan shall not be established and shall not exceed the total amount of the loan disbursed under the loan agreement in the case of loans not intended for the purchase, construction, or renovation (modernization) of residential property, secured by immovable property for the purpose of ensuring repayment of the respective loan.

4. Other important legal aspects
Right of withdrawal	Yes - You have the right to withdraw from the loan agreement within 14 calendar days.
Early repayment	Yes - you have the right to make a full or partial early repayment of the loan at any time.
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:	% of the amount repaid early, if the period between the early repayment and the agreed maturity date of the loan agreement exceeds one year;; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract. % of the amount repaid early, if the period between the early repayment and the agreed maturity date of the loan agreement does not exceed one year.
Database usage The parties may agree on additional terms and conditions, which will be included in the credit agreement.	Yes - The creditor must immediately and free of charge inform you of the results of the database consultation if the credit application is rejected on the basis of such consultation. This obligation does not apply where the provision of such information is prohibited by law or is contrary to public order or public security objectives.
The right to a draft loan agreement	Yes - You have the right, upon request, to obtain a free copy of the draft loan agreement. This provision does not apply if, at the time of the request, the Creditor is unwilling to proceed with the conclusion of the loan agreement with you.
The period of time during which the creditor is bound by the pre-contractual obligations	This offer is valid for 15 calendar days after it is issued .
The existence and possibility of using an out-of-court complaint and dispute resolution procedure.	Any dispute, disagreement, or claim shall be resolved amicably by the Parties through the exchange of notifications. If the Parties are unable to reach a mutually agreed solution, such dispute shall be resolved by the competent courts of the Republic of Moldova.
The loan agreement and, where applicable, the related documents shall be concluded using distance communication means (within the meaning of Law No. 157/2014).	For the conclusion of the loan agreement and, where applicable, the related documents through distance communication means, the Borrower’s personal account accessed via the Creditor’s official website (www.microinvest.md) or the app developed by the Creditor for this purpose shall be used, as well as, in particular, the Borrower’s device (mobile phone/SIM card with the declared phone number) and SMS (short message service) with one-time passwords (OTP). Thus, by pressing the “Conclude remotely” button in the Borrower’s personal account and using the phone number declared by the Borrower, the Creditor will send the Borrower a unique one-time password (OTP) via SMS. The Borrower shall enter this code on the displayed subpage, and upon successful validation, the agreement shall be deemed concluded.
a) Regarding the Creditor:	Creditor’s Representative: Dumitru Svinarenco; Address: MD-2024, Chisinau, 12 Renasterii Nationale Blvd.; Телефон: (022) 801701 Email address: microinvest@microinvest.md; Website: www.microinvest.md;
Supervisory authority:	O.C.N. Microinvest SRL, IDNO 1003600053518, authorized under license No. 075 dated 25 March 2019, pursuant to the decision adopted by the National Commission for Financial Markets (CNPF) No. 12/17 of 25 March 2019.
Registration number (IDNO):	National Commission for Financial Markets, IDNO 1007601001293, address: 77 Stefan cel Mare Si Sfant Blvd., Chisinau, MD-2012; phone: +373 22 859 401, email: office@cnpf.md
b) Regarding the loan agreement:	The Borrower has the right to withdraw from the Agreement without stating any reasons within 14 calendar days from the date of its conclusion or from the date on which the Borrower is informed of the contractual terms and conditions.
Exercise of the right of withdrawal:	Withdrawal conditions: The Borrower shall notify the Creditor by providing their first name, last name, IDNP, and the number of the withdrawn loan agreement, using means that confirm receipt of the notification, namely: in writing, sent to the Creditor’s postal address: MD-2024, Chișinău, 12 Renașterii Naționale Blvd.; or in accordance with the legislation on electronic identification and trust services, by applying an electronic signature and sending the notification to the email address microinvest@microinvest.md. The Borrower is obliged to repay in full the loan amount and the interest accrued thereon for the period from the date the loan was disbursed until the date it is repaid, without undue delay and no later than 30 calendar days from the date of sending the withdrawal notice to the Creditor. Interest shall be calculated based on the loan interest rate provided for in the Agreement. The Creditor is entitled to compensation for any non-refundable fees paid by it to public authorities.
The law applied by the Creditor as the basis for establishing relations with you prior to the conclusion of the loan agreement.	Law No. 202 of 12 July 2013, Law No. 157 of 18 July 2014, and the Civil Code of the Republic of Moldova.
Clause specifying the law applicable to the loan agreement and/or the competent court:	The applicable law is the law of the Republic of Moldova, and the competent courts are the courts of the Republic of Moldova.
Language provisions	The information and contractual terms will be provided in Romanian. With your consent, communication throughout the duration of the loan agreement will be conducted in Romanian.
c) regarding remedies. The existence and availability of an out-of-court dispute resolution procedure and legal remedies:	Any dispute, disagreement, or claim arising out of or in connection with the loan agreement shall be settled amicably by the Parties through the exchange of notifications. If the Parties fail to reach a mutually agreed solution, such disputes shall be resolved by the competent courts of the Republic of Moldova.
Additional information to be provided in the case of distance marketing of financial services
In this regard, I subsequently declare that: I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses; the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement; I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor; I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement. the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation; I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate; I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality; I have no ambiguities or misunderstandings regarding the terms of the contract; the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out. The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity. (Signature)

Client's Name
Client's Surname
Personal Identity Number
Currency
Term
Rate
Amount
Monthly payment
Amount to receive
Purpose
Comments

Enter the cabinet – Client

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