5 OPCION 1

SMLMV 644,350 MONTO MÍNIMO (70 SMLMV) 45,104,500 MONTO MAXIMO (120 SMLMV) 77,322,000 PLAZO MAXIMO EN AÑOS 4

TASA EFECTIVA ANUAL 27.5250%

•Cálculo de la Tasa Nominal

TASA EFECTIVA ANUAL 27.5250%NUMERO DE CUOTAS DE INTERES POR AÑO 4 TASA NOMINAL 25.07%

•Cálculo de la Tasa Periodica

TASA NOMINAL 25.0684%NUMERO DE PERIODOS 12 TASA PERIODICA 2.09%

•Cálculo de la cuota

Monto del Préstamo 77,322,000 Tasa de Interes Mensual 2.09%Plazo en Meses 48 CUOTA MENSUAL CALCULADA 2,566,726 Monto total a pagar durante todo el plazo 123,202,864 Monto pagado en intereses 45,880,864

Teniendo en cuenta que Bancamía, solo hace préstamos a Microempresarios, con las siguientes características tenemos:

•Cálculo de la tabla de amortización

PERIODO SALDO INICIAL INTERES PAGO0 77,322,000.00 1 77,322,000.00 1,615,282.61 2,566,726.33 2 76,370,556.28 1,595,406.63 2,566,726.33 3 75,399,236.59 1,575,115.44 2,566,726.33 4 74,407,625.70 1,554,400.35 2,566,726.33 5 73,395,299.72 1,533,252.52 2,566,726.33 6 72,361,825.91 1,511,662.91 2,566,726.33 7 71,306,762.49 1,489,622.28 2,566,726.33 8 70,229,658.43 1,467,121.21 2,566,726.33 9 69,130,053.31 1,444,150.09 2,566,726.33

10 68,007,477.07 1,420,699.09 2,566,726.33 11 66,861,449.84 1,396,758.20 2,566,726.33 12 65,691,481.70 1,372,317.17 2,566,726.33 13 64,497,072.55 1,347,365.56 2,566,726.33 14 63,277,711.78 1,321,892.70 2,566,726.33 15 62,032,878.15 1,295,887.71 2,566,726.33 16 60,762,039.53 1,269,339.46 2,566,726.33 17 59,464,652.66 1,242,236.61 2,566,726.33 18 58,140,162.95 1,214,567.58 2,566,726.33 19 56,788,004.20 1,186,320.53 2,566,726.33 20 55,407,598.40 1,157,483.38 2,566,726.33 21 53,998,355.45 1,128,043.82 2,566,726.33 22 52,559,672.95 1,097,989.26 2,566,726.33 23 51,090,935.88 1,067,306.85 2,566,726.33 24 49,591,516.41 1,035,983.47 2,566,726.33 25 48,060,773.55 1,004,005.74 2,566,726.33 26 46,498,052.96 971,359.98 2,566,726.33 27 44,902,686.62 938,032.24 2,566,726.33 28 43,273,992.53 904,008.27 2,566,726.33 29 41,611,274.47 869,273.53 2,566,726.33 30 39,913,821.68 833,813.17 2,566,726.33 31 38,180,908.52 797,612.03 2,566,726.33 32 36,411,794.22 760,654.64 2,566,726.33 33 34,605,722.54 722,925.19 2,566,726.33 34 32,761,921.40 684,407.57 2,566,726.33 35 30,879,602.64 645,085.30 2,566,726.33 36 28,957,961.61 604,941.57 2,566,726.33 37 26,996,176.85 563,959.22 2,566,726.33 38 24,993,409.74 522,120.74 2,566,726.33

39 22,948,804.16 479,408.24 2,566,726.33 40 20,861,486.07 435,803.47 2,566,726.33 41 18,730,563.21 391,287.77 2,566,726.33 42 16,555,124.65 345,842.13 2,566,726.33 43 14,334,240.45 299,447.11 2,566,726.33 44 12,066,961.23 252,082.88 2,566,726.33 45 9,752,317.79 203,729.20 2,566,726.33 46 7,389,320.66 154,365.40 2,566,726.33 47 4,976,959.73 103,970.36 2,566,726.33 48 2,514,203.77 52,522.56 2,566,726.33

ABONO A CAPITAL SALDO FINAL 77,322,000.00

951,443.72 76,370,556.28 971,319.70 75,399,236.59 991,610.89 74,407,625.70 1,012,325.98 73,395,299.72 1,033,473.81 72,361,825.91 1,055,063.42 71,306,762.49 1,077,104.05 70,229,658.43 1,099,605.12 69,130,053.31 1,122,576.24 68,007,477.07 1,146,027.24 66,861,449.84 1,169,968.13 65,691,481.70 1,194,409.16 64,497,072.55 1,219,360.77 63,277,711.78 1,244,833.63 62,032,878.15 1,270,838.62 60,762,039.53 1,297,386.87 59,464,652.66 1,324,489.71 58,140,162.95 1,352,158.75 56,788,004.20 1,380,405.80 55,407,598.40 1,409,242.94 53,998,355.45 1,438,682.50 52,559,672.95 1,468,737.07 51,090,935.88 1,499,419.48 49,591,516.41 1,530,742.85 48,060,773.55 1,562,720.59 46,498,052.96 1,595,366.35 44,902,686.62 1,628,694.09 43,273,992.53 1,662,718.06 41,611,274.47 1,697,452.80 39,913,821.68 1,732,913.16 38,180,908.52 1,769,114.30 36,411,794.22 1,806,071.69 34,605,722.54 1,843,801.13 32,761,921.40 1,882,318.76 30,879,602.64 1,921,641.03 28,957,961.61 1,961,784.76 26,996,176.85 2,002,767.11 24,993,409.74 2,044,605.58 22,948,804.16

2,087,318.08 20,861,486.07 2,130,922.86 18,730,563.21 2,175,438.56 16,555,124.65 2,220,884.20 14,334,240.45 2,267,279.22 12,066,961.23 2,314,643.45 9,752,317.79 2,362,997.13 7,389,320.66 2,412,360.93 4,976,959.73 2,462,755.96 2,514,203.77 2,514,203.77 0.00

5 OPCION 1

TASA EFECTIVA ANUAL 27.5250%

•Cálculo de la Tasa Nominal

TASA EFECTIVA ANUAL 27.5250%NUMERO DE CUOTAS DE INTERES POR AÑO 4 TASA NOMINAL 25.07%

•Cálculo de la Tasa Periodica

TASA NOMINAL 25.0684%NUMERO DE PERIODOS 12 TASA PERIODICA 2.09%

•Cálculo de la cuota

Monto del Préstamo 240,000,000 Tasa de Interes Mensual 2.09%Plazo en Meses 48 CUOTA MENSUAL CALCULADA 7,966,870 Monto total a pagar durante todo el plazo 382,409,758 Monto pagado en intereses 142,409,758

•Cálculo de la tabla de amortización

PERIODO SALDO INICIAL INTERES PAGO0 240,000,000.00 1 240,000,000.00 5,013,680.80 7,966,869.96 2 237,046,810.84 4,951,987.68 7,966,869.96 3 234,031,928.57 4,889,005.78 7,966,869.96 4 230,954,064.39 4,824,708.16 7,966,869.96 5 227,811,902.59 4,759,067.34 7,966,869.96 6 224,604,099.98 4,692,055.27 7,966,869.96

7 221,329,285.29 4,623,643.28 7,966,869.96 8 217,986,058.61 4,553,802.15 7,966,869.96 9 214,572,990.81 4,482,502.02 7,966,869.96

10 211,088,622.87 4,409,712.40 7,966,869.96 11 207,531,465.31 4,335,402.18 7,966,869.96 12 203,899,997.53 4,259,539.59 7,966,869.96 13 200,192,667.17 4,182,092.22 7,966,869.96 14 196,407,889.43 4,103,026.93 7,966,869.96 15 192,544,046.40 4,022,309.95 7,966,869.96 16 188,599,486.40 3,939,906.77 7,966,869.96 17 184,572,523.21 3,855,782.15 7,966,869.96 18 180,461,435.40 3,769,900.14 7,966,869.96 19 176,264,465.58 3,682,224.03 7,966,869.96 20 171,979,819.65 3,592,716.33 7,966,869.96 21 167,605,666.03 3,501,338.79 7,966,869.96 22 163,140,134.86 3,408,052.34 7,966,869.96 23 158,581,317.25 3,312,817.11 7,966,869.96 24 153,927,264.39 3,215,592.38 7,966,869.96 25 149,175,986.81 3,116,336.59 7,966,869.96 26 144,325,453.44 3,015,007.31 7,966,869.96 27 139,373,590.80 2,911,561.23 7,966,869.96 28 134,318,282.07 2,805,954.13 7,966,869.96 29 129,157,366.25 2,698,140.86 7,966,869.96 30 123,888,637.16 2,588,075.34 7,966,869.96 31 118,509,842.54 2,475,710.51 7,966,869.96 32 113,018,683.09 2,360,998.34 7,966,869.96 33 107,412,811.47 2,243,889.79 7,966,869.96 34 101,689,831.31 2,124,334.81 7,966,869.96 35 95,847,296.16 2,002,282.29 7,966,869.96 36 89,882,708.49 1,877,680.04 7,966,869.96 37 83,793,518.57 1,750,474.81 7,966,869.96 38 77,577,123.43 1,620,612.23 7,966,869.96 39 71,230,865.70 1,488,036.77 7,966,869.96 40 64,752,032.51 1,352,691.76 7,966,869.96 41 58,137,854.31 1,214,519.35 7,966,869.96 42 51,385,503.70 1,073,460.47 7,966,869.96 43 44,492,094.22 929,454.83 7,966,869.96 44 37,454,679.09 782,440.86 7,966,869.96 45 30,270,249.98 632,355.71 7,966,869.96 46 22,935,735.74 479,135.24 7,966,869.96 47 15,448,001.02 322,713.94 7,966,869.96 48 7,803,845.01 163,024.95 7,966,869.96

ABONO A CAPITAL SALDO FINAL 240,000,000.00

2,953,189.16 237,046,810.84 3,014,882.27 234,031,928.57 3,077,864.18 230,954,064.39 3,142,161.80 227,811,902.59 3,207,802.62 224,604,099.98 3,274,814.69 221,329,285.29

3,343,226.67 217,986,058.61 3,413,067.80 214,572,990.81 3,484,367.94 211,088,622.87 3,557,157.56 207,531,465.31 3,631,467.78 203,899,997.53 3,707,330.36 200,192,667.17 3,784,777.74 196,407,889.43 3,863,843.02 192,544,046.40 3,944,560.00 188,599,486.40 4,026,963.19 184,572,523.21 4,111,087.81 180,461,435.40 4,196,969.82 176,264,465.58 4,284,645.93 171,979,819.65 4,374,153.62 167,605,666.03 4,465,531.17 163,140,134.86 4,558,817.62 158,581,317.25 4,654,052.85 153,927,264.39 4,751,277.58 149,175,986.81 4,850,533.37 144,325,453.44 4,951,862.65 139,373,590.80 5,055,308.72 134,318,282.07 5,160,915.82 129,157,366.25 5,268,729.09 123,888,637.16 5,378,794.62 118,509,842.54 5,491,159.45 113,018,683.09 5,605,871.62 107,412,811.47 5,722,980.16 101,689,831.31 5,842,535.15 95,847,296.16 5,964,587.67 89,882,708.49 6,089,189.92 83,793,518.57 6,216,395.14 77,577,123.43 6,346,257.73 71,230,865.70 6,478,833.19 64,752,032.51 6,614,178.20 58,137,854.31 6,752,350.61 51,385,503.70 6,893,409.49 44,492,094.22 7,037,415.13 37,454,679.09 7,184,429.10 30,270,249.98 7,334,514.24 22,935,735.74 7,487,734.72 15,448,001.02 7,644,156.02 7,803,845.01 7,803,845.01 0.00