Based on the results of 2017, the share of cars sold by the AIS Group of Companies using credit or leasing programs reached 20%. During the next year, 2018, this figure grew to 29% of total sales. For individual brands, including Renault, Peugeot, Citroen, Geely and Opel, the share of such transactions amounted to more than 35–40%.

Almost all credit agreements of the past year (about 85%) were issued through banking institutions 'Credit Agricole', 'Kredobank', 'Globus' and 'Oschadbank'. In the leasing sector, the main partners were 'OTP Leasing', 'PrivatBank', 'VIP-Rent' and 'VAB Leasing'. In total, these four companies accounted for 80% of all leasing transactions concluded in 2018.

A combination of factors contributed to the confident growth in credit and leasing sales:

— expansion of the circle of banks and leasing organizations active in this area;

— more attractive financial parameters for lending and leasing;

— launch of credit and leasing programs for used cars;

— a significant number of promotions, periodically valid special offers with the possibility of installment payments, reduced annual rates, as well as registration without providing an income certificate.

Depending on the category of equipment, brand, country of production, specific program and chosen financial partner, a car can be purchased on credit or lease on the following terms*:

— down payment starting from 10%;

— contract term from one year to eight years;

— financing in hryvnia at a rate from 0.01% (specific conditions depend on the partner and program).

One of the key advantages of purchasing equipment on credit or lease in the AIS retail network is the opportunity to use the financial services exchange 'AIS Finance'. This structure has concluded cooperation agreements with two dozen leading Ukrainian financial organizations and offers clients more than a hundred different programs. The 'AIS Finance' service provides the client with the following opportunities:

• Submit an application and a set of documents directly at the sales office of the AIS network shopping center. The client does not have to visit banks or leasing companies on their own and prepare a separate package of papers for each of them.

• Client applications are automatically sent for consideration to all financial partners, which increases the likelihood of approval.

• If the application is approved, the client receives several options and can choose the one that offers the most favorable conditions.

• All issues related to purchasing a car on credit or lease are resolved at the sales office of the AIS retail network, including the execution of necessary insurance policies.

The company's plans for 2019 include further strengthening its position in this segment. To this end, it is planned to intensify cooperation with new partners, including 'PUMB' Bank, 'Ukreximbank', 'Eximleasing', 'Alfa-Leasing' and other organizations.

Currently, the company offers on credit and lease passenger and commercial vehicles of such brands as Renault, Citroen, Peugeot, Geely, Chevrolet, Opel, GAZ, UAZ; truck and special equipment MAZ, GAZ; buses GAZ, PAZ; tractors MTZ Belarus.

More details about the AIS Group of Companies, the current model range and the conditions for purchasing cars on credit or lease can be found on the website ais.ua or by calling the information line of the AIS Group of Companies at 0-800-500-205 (calls are free from landline phones in Ukraine).

*Credit, leasing and insurance services are provided by partner companies that have the relevant licenses from the NBU and the State Commission for Financial Services. For complete information about partners and the terms of credit and leasing programs, please check with the Seller.