A promissory note of Garant-Invest Commercial Bank (JSC) is an income instrument that possesses the following additional advantages:

• The note may act as a pledged item for credit or guarantee

• The note may act as a payment instrument with the business partners

• The note may be used to pay for the goods and services during transaction settlement and contract conclusion

• The note is regulated by the special legislation provisions that ensures additional protection of the note holder

Placement term. Days	Interest rate (per annum), Russian rubles
	Up to 9,999,999	Exceeding 10 mil
30	9.30	9.80
60	9.50	10.10
90	10.00	10.50