on January 20, 2012

Any company grants loan or any other pecuniary facilitation of, included also pecuniary undertaking of, excluded any balance that emanates from commercial transactions, in directors or its shareholders, individuals or the spouses or in their relatives up to second degree of kinship, then it considered that this individual receives monthly income that counterbalances with 9% annually on the rest of loan or any other monthly pecuniary facilitation in the end of each month.