Cash-management service of clients - natural persons

I.

CLIENTS' ACCOUNTS MAINTENANCE

1

Opening of a banking account

1.2.

Opening of a current account (including metal account)

0 tenge

1.2.1.

Initial payment when a current account is opened

0 tenge

0 tenge

2

Banking account keeping:

2.1.

Branch annual fee for keeping banking current account*

600 tenge, when account balance is less than 600 tenge - in the amount of account balance.

* Explanatory note.
Fees are not charged for keeping:
- accounts with personal services,

- special accounts for pension and benefits payment,

- joint accounts upon availability of CheckingCard to the account

3

Inquiry disbursement at Client's request associated with client servicing, other inquiries disbursement to natural persons (including VAT)

600 tenge

4

Duplicate copies delivery of bank and financial documents (including VAT)

500 tenge

5

Running account bill disbursement

Current extract over a period - less than 1 year

0 tenge

Archive - more than 1 year

2000 tenge

6

Current account closing (including metal account)

0 tenge

II.

CASH PAYMENT

7

Cash deposition

0 tenge

8

Cash disbursement:

8.1.

Recount and packing when disbursing cash:

8.1.1.

From current accounts

(notwithstanding the kind of transfer to an account and term of keeping)

0.70%

1.20%

8.1.2.

Disbursal from the special account, opened to grant pensions and benefits (including withdrawal through current accounts/single accounts opened in the branch differing from the branch of special account opening)

0%

8.1.3.

Fees for cash withdrawals to seller of the estate (natural person), for bargain on account of loan funds of JSC "Kazkommercebank"

0 tenge

* This rate is used unless money which was transferred as payments, arrived from other account of a Client of Kazkommercebank and are loan proceeds, issued to the sender

9

Banknotes and coins of large nominal exchange for banknotes and coins of small nominal and vice versa if the Bank has such opportunity

0.5% min. 700 tenge

10

Exchange of banknotes and coins, acceptance of doubtful, invalid banknotes in foreign currency on a collection basis

10% of nominal worth

11

Banknotes checking for authenticity (including VAT):

20 tenge for each denomination notwithstanding number of denominations

III.

TRANSFER OPERATIONS:

12

Transfers within bank:

13

Between one Client's accounts:

0 tenge

13.1.

- from client's current account to the account of the third person - banker's customer

0.15%, min. 300 tenge, max.800 tenge

- for current/card - accounts of natural person

13.2.

 - for current accounts of corporate customers, self-employed entrepreneurs, peasant economies, notaries and lawyers

0.15% min.300 tenge max.800 tenge

14

Cash deposit to a third person - banker's customer, natural person

0 tenge

15

External transfers

15.1.

In tenge (accepted before 4-45 p.m. by Almaty time)

0.25%, min. 500 tenge,

max. 2000 tenge

15.1.2.

Loan proceeds transfer to debt refunding on buyer's credit to other banks

1000 tenge (notwithstanding the sum)

15.2.

In currency (accepted before 4-00 p.m. by Almaty time, if technically feasible):

15.2.1.

Fees type "OUR" - transfer arrives to beneficiary bank to the full extent

 - in USD (with current date of valuation)

0.5%,
min. $80, max. $ 600

 - in EUR (with current date of valuation)

0.3%, min.€40, max.€300

 - in RUB (with current date of valuation)

0.25% min. 460 RUB, max. 9200 RUB

 - in KGS, TJS (accepted before 17-45 Almaty time with future value date)

0.25%, min.$15, max.$300

 - other forms of currency (excluding USD, EUR, RUB, KGS, TJS, accepted before 5-45 p.m. Almaty time with future value date)

0.3%,
min. $60, max. $500

15.2.2.

"SHA" fees - transfer arrives to beneficiary bank by deducting fees of intermediary banks

 - in USD (with current date of valuation)

0.2%, min.$25, max. $300

 - in EUR (with current date of valuation)

0.2%, min.€20, max.€230

 - other forms of currency (excluding USD, EUR, RUB*, accepted before 17-45 Almaty time with future value date)

0.2%, min.$30, max. $400

* Transfers to RUB are settled only with fees of OUR

15.3.

Transfer in favor of loro-bank clients

 - in KZT

0.15% min. 300 KZT max.800 KZT

 - inUSD, EUR

$30

15.4.

In USD, EUR, RUB currency (accepted since 4-00 p.m. till 17-45 Almaty time):

watch rates at item numbers.15.2.1 and 15.2.2

- execution with future value date

15.5.

transfer execution into RUB with current value date (if technically feasible)

0.25% min.750 RUB, max. 10700 RUB

15.6.

transfer execution into USD and EUR with current value date (if technically feasible)

0.05% of payment amount, min.$250, max.550$ (tariff is charged additional to the main one)

15.7.

Extra fares in the form of transfer in foreign currency (excluding USD, EUR, RUB)

15.7.1.

transfer with current value date (if technically feasible)

0.05% of payment amount, min $250, max. $550 (rate is charged additionally to the main one)

16

For providing confirmation of transfer arriving in the SWIFT format

1000 tenge

17

Investigation on executed transfers upon client's application - request sending:

17.1.

- On value date confirmation of transfer into account of beneficiary customer (including VAT);

2000 tenge

7000 tenge

17.2.

- on necessity of change/addition of information to the transfer (including VAT)

2000 tenge

7000 tenge

17.3.

- on transfer re-call (including VAT)

2000 tenge

7000 tenge

18

Delay of outbound transfer upon client's application if technically feasible (if unavailable the opportunity of bank execution the fee does not return)

2000 tenge

2000 tenge

19

For investigation of incoming transfer in foreign currency with lacking/impropriety of beneficiary reference details with the assistance of corresponding bank (including VAT)

0 tenge

20

Repayment of payment received in foreign currency (except RUB) fee is kept from payment amount

0 tenge

$25 (fee is not charged for an amount less than equivalent of $100)

IV.

CURRENCY EXCHANGE TRANSACTIONS

21

Conversion (purchase/sale) of cashless currency with remittance of funds to the client:

bank purchases

bank sales

 - at the first day

at the rate of bank, 0.2%, min 250 tenge *

 - at the second day

at the rate of bank 0.15%, min 250 tenge *

 - at the third day

at the rate of bank, 0.1%, min 250 tenge *

* Minimum tariff at the value of - 250 tenge is not charged in the case of automated withdrawal for credit repayments

22

Conversion of money from special account for pensions and grants payments (purchase of cashless currency) with remittance of funds to the client:

 - at the first day

0% at the rate of bank

 - at the second day

0% at the rate of bank

 - at the third day

0% at the rate of bank

23

Resignation from conversion at the day of application filling

 0.15% from the sum of denial

V.

OPERATIONS ON DEPOSITS OF NATURAL PERSONS

24

Saving account opening

0 tenge

25

Cash money conversion while payment acceptance on current account for deposit replenishment

0 tenge

26

Fee for money withdrawal from the deposit while pre-term cancellation of the contract of the bank deposit/partial deposit taking until 14 days including, from the date of arriving to the deposit (notwithstanding the way of cash proceeds):

0.70%

1.20%

26.1.

- on deposits, providing partial withdrawals on condition of trigger balance, equal to 1 500 000 tenge, 10 000 UDS/EURO and more*

0.50%

1.00%

26.2.

- upon condition of further distribution of 100% of withdrawal sum in the Bank (with the purpose of deposit transferring** or credit deposit account on current deposit)

0%

* Upon condition of Supplement Agreement conclusion to the bank deposit agreement

** Transferring the current deposit is change of kind and/or currency and/or time of deposit

27

Deposit facilities conversion (sale of cashless currency by the Bank) with their further enrolment to urgent / conditional deposit

At the rate of sale of foreign currency in cash, set in the branch of the bureau de change /payment processing for the moment of transactions performance, with no deduction currency conversional fee