RE:----20% interest----
The 20% is not an interest rate it is a 20% interest. Aterra is a Russian oligarchy a guy that has a lot of money and control in Russia (ie a good friend of Silver Bear, keep your friends close and your enemies closer but not so close that they own more than 20%). If you want more information on the corporate structure or their exploration I suggest that you check out their web site:
https://www.silverbearresources.com/Home/default.aspx