For using the funds, Finroyal shall pay the Client the interests calculated per annum according a variable or fixed interest rate, at an option, to be determined in the Contract. The interests shall be calculated based on the assumption that a year consists of 365 days, and a month consists of a real number of days thereof.

In the event it is determined that, for using the funds, interests shall be payable according to a variable interest rate, a variable interest rate depends on the specific indexes binding respectively for the Currency of the Contract and based on the referential interest rates published by appropriate monetary authorities issuing money being the Currency of the Contract and the competencies of which include the determination of those rates. All and any changes of interest rates shall not constitute the amendment to the Contract.

A changed interest rate shall be applicable from the first day the Contract is in force, the date when a specific interest rates, which is index parameter, becomes effective.