Product Description	Overdraft is a type of a credit line - its holder can use the credit any time without any bank notification or any additional procedures.
Main Advantages	■ Interest on overdraft is low and is calculated based on the actual amount spent.* ■ Overdraft is a flexible financing instrument- You are allowed to withdraw funds from a bank or ATMs. ■ It is simple to get an Overdraft. ■ Overdraft is not limited to certain purchases - i.e., credit can be used for any expenditures.
Interest	24% annual interest rate,
General Conditions of Overdraft	Minimum amount: USD 200 Maximum amount: USD 10,000 Commission fee for granting/renewing overdraft: USD 10 Purpose of overdraft: Any The average time for granting overdraft: 1 day. Overdraft is calculated in USD.**
Terms	Form 1 - up to12 months(must not exceed expiration date of a card).

** e.g. A customer may have an Overdraft that allows financing of up to USD 1,000 at any time during the year. If a customer spends only 500 USD of the Overdraft and repays the amount in 2 weeks, the customer has to pay interest of only 2-weeks on USD 500.
** In order to use Overdraft on GEL or EURO debit cards, one must add a card account in USD as well.

Terms of Standard Overdraft for Different Customer Categories:

	Individuals who get their salary in TBC Bank:	TBC Term Deposit Holders:	Founders and Employees of TBC Bank's Customers Companies:	Holders of a Long Term Mortgage Loan from TBC Bank:
Maximum amount of Overdraft:	80% of annual salary	USD 50 less the deposit amount, including interest accrued on Overdraft;	100% of monthly income; in case the company finances business travel, USD 10,000;	50% of monthly income;
Overdraft Maturity:	10 days (for Visa Electron), 30 days (for other Visa cards) before the expiration date of the labor agreement;	10 days (for Visa Electron), 30 days (for other Visa cards) before maturity day of deposit;	10 days (for Visa Electron), 30 days (for other Visa cards) before the expiration date of the labor agreement;	Prior to maturity of a collateral and/or expiration date of plastic card;
Repayment Period:	Within 40 days after accessing the Overdraft;	Upon expiration of overdraft;	Within 40 days after accessing the Overdraft	Within 40 days after accessing the Overdraft;
Collateral:	Not Required.	Deposited amount;	Company Guarantee;	Not Required;
Other Conditions:	_	_	Company must meet the criteria specified by the Bank.	Borrowers monthly income must exceed $1,000;Positive credit history must exceed 3 months.

TBC Overdraft holders can get the overdraft information via our diversity electronic services:

• Internet Banking
• E-mail
• ATMs
• SMS service