7/30/2019 Leased BG 12 2 T&C

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+Re: Winter Bank, Austria Leasing BG/SBLC (mini Eur50m, 12+2%).

(1) Leasing Fresh-cut BG/SBLC (mini Eur50M, 12+2+4%, 1-year)1. Provider's bank: Winter Bank, Austria (Swift: WISMATWWxxx)

(2) Procedure:

1. Both party sign Contract..++ Lessee shows BCL.

2. The provider's bank sends RWA (short message Only) by Swift/MT799 to Lessee's bank.++ i.e. "We are RWA to issue BG/SBLC (Eur100M, 1-year) by MT760 to you for further credit to yourclient ....(Lessee's name).... etc"++ In case No RWA, seller's bank sends MT999 to ask Lessee's bank to set-up RMA ..

3. The Lessee's bank issues ICBPO (12+4%) by Swift/MT7994. BG/SBLC (Eurxxm, 1-year) by swift MT760.++No hard copy by mail.

5. Release ICBPO (xx%) in 3-days after verifying BG/SBLC.

++ Lessee pays commission to all intermediaries as per FPA (2+4%)

(3) Remark:1. If, lessee fails to issue ICBPO by MT799 AFTER receipt of RWA by Swift/MT799, Lessee must payEur100k to provider as a penalty....

(4) FPA (2%) paid by lessee1. Provider's side (1+4%): Closed....2. Lessee's side: (1%): lessee's facilitator (0.22% closed)

(5) Please check your Lessee about this offer and advise......

Kind regards