18.2. Group as a lessor

The terms and conditions of the contracts concluded by the Group are as follows:

• the finance covers the period from 18 to 60 months;
• the object of the contracts may be machinery or cars;
• the contracts cover for the option of the lease object purchase by the user after repayment, at a price lower than the market value on the day of acquisition;
• the contracts cover for termination option, for example if arrears amount to 3 monthly instalments;
• the user may terminate the contract providing that they cover any losses of the lessor resulting from the termination;
• the contracts forbid sub-leasing of the object of lease or assignment of the rights under the contract.

The contracts do not contain any contingent lease payments depending on future factors other than the lapse of time.