This funding can be provided on concessional or market terms, as three examples from Thailand, economies in transition and Tunisia illustrate below. This provides annual inflows of approximately THB 2bn ($50mln) p.a. The EERF in turn provides capital at no cost to 10 participating Thai banks, which then provide low-cost loans for energy efficiency projects of up to a maximum of $1.25mln, at an interest rate of no more than 4% p.a. Frequently, banks set an interest rate lower than this maximum figure, depending on their relationship with the customer.