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Investment Return

The table below illustrates a sample loan of €75,000 invested in a project alongside a €25,000 contribution from Vita. Interest shall be paid in a lump-sum on 30 November 2021. Indicative financials for this scenario are shown in the table below. This demonstrates the Investment Programme’s ability to make the loan repayments and also to generate a surplus that will be reinvested into more emissions- reducing projects.

Projected expenditure and income (€) based on €100,000 Investment Programme

Year Vita Contribution Capital Income Costs Loan Repayment Annual Surplus Cumulative
2016 25,000 75,000 6,000 67,000 0 39,000 39,000
2017 0 26,500 61,000 0 -34,000 4,500
2018 0 52,000 33,000 0 19,000 23,500
2019 0 63,500 33,000 25,000 5,500 29,000
2020 0 63,500 36,000 25,000 2,500 31,500
2021 0 63,500 36,000 32,500 -5,000 26,500
2022 0 63,500 36,000 0 27,500 54,000
Please see the section of this Memorandum entitled “Risk Factors” for information regarding repayment sensitivity.