Multicurrency Cards Until 01.12.2018

Annex 2 to resolution of the Tariff Committee No.763 dated 19 October 2016 as amended by: TCR No.662 dated 14.09.2017, TCR No.676 dated 19.09.2017, TCR No.788 dated 26.10.2017, TCR No.894 dated 27.11.2017, TCR No 943 dated 22.12.2017, TCR No 916 dated 13.12.2017, TCR No.976 dated 29.12.2017, TCR No.22 dated 12.01.2018 , TCR No.25 dated 15.01.2018, TCR No.231 dated 20.03.2018, TCR No.482 dated 27.06. 2018, TCR No.548 dated 26.07.2018, TCR No.560 dated 09.08.2018, TCR No.843 dated 15.10.2018, TCR No.965 dated 16.11.2018 , TCR No.1198 dated 27.12.2018, TCR No. 172 dated 28.01.201, TCR No. 444 dated 13.03.2019, TCR No. 817 dated 19.05.2019, TCR No. 1375 dated 05.07.2019г. (effective from 15.08.2019)

Multicurrency Debit Card Service Tariffs (product "Salary"2 and "Standard") issued/reissued until 01.12.2018 (effective until card reissue)

Pack Classic3 Pack Gold4 Pack VIP4 Pack Platinum4 Item No. Transaction (Visa Classic PayWave, (Visa Gold PayWave, (Asia Prestige Diamond, (Visa Platinum) Altyn UnionPay Classic) Altyn UnionPay Gold) Visa Infinite)

1 Service of current account in the card database (the card account) and card

Card account opening/closing, service 0 tenge 1.1 Service of immovable card account (the account without any credit/debit transactions made Account balance but no more than 200 tenge monthly during 12 month by the customer or its representative)5 1.2 Card issue, card replacement upon expiry, card closing 0 tenge 1.3 Annual card/pack service Product "Salary" 1st year 3 900 tenge 12 000 tenge 18 000 tenge 60 000 tenge (325 tenge per month) (1 000 tenge per month) (1 500 tenge per month) (5 000 tenge per month) 2nd year and subsequent 1.3.1 - for employees of budget organizations, students:

1st year 3 900 tenge 12 000 tenge 18 000 tenge 60 000 tenge (325 tenge per month) (1 000 tenge per month) (1 500 tenge per month) (5 000 tenge per month) 2nd year and subsequent Product "Standard"

1.3.2 1st year 5 400 tenge 18 000 tenge 36 000 tenge 72 000 tenge (450 tenge per month) (1 500 tenge per month) (3 000 tenge per month) (6 000 tenge per month) 2nd year and subsequent 1.4 Annual extra card/pack service (depending on the card account product) Product "Salary"

3 900 tenge 12 000 tenge 18 000 tenge 60 000 tenge 1st year (325 tenge per month) (1 000 tenge per month) (1 500 tenge per month) (5 000 tenge per month) 1.4.1 - for employees of budget organizations, students:

1st year 3 900 tenge 12 000 tenge 18 000 tenge 60 000 tenge (325 tenge per month) (1 000 tenge per month) (1 500 tenge per month) (5 000 tenge per month) 2nd year and subsequent Product "Standard"

1.4.2 1st year 5 400 tenge 18 000 tenge 36 000 tenge 72 000 tenge (450 tenge per month) (1 500 tenge per month) (3 000 tenge per month) (6 000 tenge per month) 2nd year and subsequent 1.5 Card reissue instead of lost/stolen/damaged/unclaimed 1 000 tenge 1.6 Lost/stolen card blocking 0 tenge 2 Cash acceptance/withdrawal and crediting Cash acceptance to card account: at Bank's outlet (n the name of account holder) 6 - during 15 minutes (via POS terminal) 0,5%, min. 600 tenge (only in branches with POS terminals) - during 1 day (if transaction is made until 18:00 Almaty time); 0 tenge 2.1 - during 2 days - in other cases at Cash-In devices of the Bank: via ATMs 0 tenge via payment terminal 0 tenge (including to card account of other bank) 8

2.2 Cash crediting to customer's card account, which was received in non-cash form 0 tenge

2.3 Cash withdrawal by card Product "Salary" - received to card account under agreement concluded between the Bank and legal entity for salary, pension, other payments within Bank's network - in tenge under agreement - in currency under agreement within network of other banks across the Republic of Kazakhstan 0,9% + 50 tenge

up to2 00 USD per month up to 500 USD per month (equivalent in other (equivalent in other up to 1 000 USD per month currency): 0 tenge currency): 0 tenge (equivalent in other currency): 0 tenge within network of other banks outside the Republic of Kazakhstan over 200 USD per month: over 500 USD per month: over 1 000 USD per month: 1,5%, 1,5%, 1,5%, min. 1 000 tenge min. 1 000 tenge min.1 000 tenge

2.3.1 2

up to 200 USD per month up to 500 USD per month (equivalent in other (equivalent in other up to 1 000 USD per month within network of JSC Halyk Bank Georgia, OJSC Halyk Bank Kyrgyzstan, CB currency): 0 tenge currency): 0 tenge (equivalent in other currency): 0 tenge Moskommertsbank (JSC), over 200 USD per month: over 500 USD per month: over 1 000 USD per month: CJSC Kazkommertsbank Tajikistan 0,6%, 0,6%, 0,6%, min. 400 tenge 2.3.1 min. 400 tenge min. 400 tenge

- received to card account without agreement concluded between the Bank and legal entity (other creditings) within Bank's network 1% within network of other banks across the Republic of Kazakhstan 0,9% + 50 tenge

up to 200 USD per month up to 500 USD per month (equivalent in other (equivalent in other up to 1 000 USD per month currency): 0 tenge currency): 0 tenge (equivalent in other currency): 0 tenge within network of other banks outside the Republic of Kazakhstan over 200 USD per month: over 500 USD per month: over 1 000 USD per month: 1,5%, 1,5%, 1,5%, min. 1 000 tenge min. 1 000 tenge min. 1 000 tenge

Product "Standard" within Bank's network 9 1% within network of other banks across the Republic of Kazakhstan 0,9% + 50 tenge

up to 200 USD per month up to 500 USD per month (equivalent in other (equivalent in other up to 1 000 USD per month currency): 0 tenge currency): 0 tenge (equivalent in other currency): 0 tenge within network of other banks outside the Republic of Kazakhstan over 200 USD per month: over 500 USD per month: over 1 000 USD per month: 1,5%, 1,5%, 1,5%, min. 1 000 tenge 2.3.2 min. 1 000 tenge min. 1 000 tenge

In accordance with the terms of the Bank Deposit Agreement15, upon withdrawal of the deposit amount/part of the 2.3.3 - received from deposit to card account via myHalyk system deposit, the period of storage of which on the savings account under the time deposit is less than 15 calendar days - 1% of the amount 2.4 cash by code at ATM 1% min.. 100 tenge 3 Transfers from card account 3.1 Transfers within the Bank to accounts of natural persons - to current account of a cardholder at Bank's outlet 0 tenge via myHalyk system 16 0 tenge - between cards of one customer of the Bank at Bank's outlet via ATMs 0 tenge via myHalyk system - conversion between card accounts of one multicurrency card via ATMs 0 tenge 3.1.1 via myHalyk system 0 tenge - to current account of other natural person at Bank's outlet 500 tenge via myHalyk system 95 tenge - between cards of different customers of the Bank at Bank's outlet 500 tenge via ATMs 150 tenge via myHalyk system 0 tenge - balance to other card account/current account of holder with the Bank, in case of card account 0 tenge closing to corporate accounts without agreement concluded between the Bank and legal entity at Bank's outlet - in tenge 0,5%, min. 300 tenge, max. 3 000 tenge 3.1.2 - in currency 0,3%, min. 350 tenge, max. 5 000 tenge via myHalyk system - in tenge 200 tenge Money transfer to other banks at Bank's outlet 3.2 - in tenge 0,5%, min. 500 tenge, max. 3 000 tenge Money transfers from account on the instructions of third parties (collection orders, payment request-orders) 3.2.1 - in tenge 1%, min. 1 000 tenge, max. 3 000 tenge - in foreign currency (BEN, correspondent bank's and agent bank's fee is charged from a payee)

Transfers Visa Direct (as part of one IPS 11 ), except the cases specified in item 3.4. via ATMs

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-from card of any other Kazakhstan bank - participant of IPS Visa International to card of the 0 tenge Bank/Agent Bank of the Bank

-from card of the Bank to card of any other Kazakhstani bank - participant of IPS Visa 1% + 200 tenge International 3.3 - transfers involving card of a foreign bank - participant of IPS Visa International 1% + 2 USD via myHalyk system - from card of the Bank to card of any other Kazakhstani bank - participant of IPS Visa 0,85%, min. 250 tenge, max. 700 tenge International

- to card of a foreign bank - participant of IPS Visa International 1% + 2 USD

Card2Card transfers between cards of the Bank/Agent Bank of the Bank/Partner Bank of the Bank 7 via ATMs

- from card of the Bank's Agent Bank to card of the Bank/Bank's Agent Bank 150 tenge 3.4 - from card of the Bank/Bank's Agent Bank to card of the Bank's Agent Bank 150 tenge via myHalyk system - from card of the Bank to card of Agent Bank 95 tenge - from card of the Bank to card of Partner Bank 0,85%, min. 250 tenge, max. 700 tenge 4 Payments Payments in favor of legal entities within the framework of concluded Agreements for payment acceptance between legal entities and the Bank - payment documents processing (payment of utilities, telecommunication and other services, within the framework of concluded agreements12) via ATMs 60 tenge via SMS Banking service 50 tenge via myHalyk system - utilities payment 0 tenge - payment for telecommunication and other services 50 tenge - money transfer to corporate account13 4.1 via ATMs - payment for services 120 tenge - payment for services Internet at Home from Beeline 50 tenge - Qiwi-wallet top-up 0 tenge

- replenishment of the dealer account at "United System of Instant Payments" 95 tenge

via myHalyk system - utilities payment 0 tenge - payment for telecommunication and other services 100 tenge 4.2 Payment of goods and services at merchants by cards of the Bank 0 tenge Customs payment 15 : within: - 1 – 10,000 tenge 2,0% min 100 tenge 4.3 - 10,001 – 50,000 tenge 1,0% min 200 tenge - 50,001 – 100,000 tenge 0,7% min 500 tenge -100,001 – 1,000,000 tenge 0,35% min 700 tenge - 1,000,001 and above 4,000 tenge Budget payment via web portal "electronic government" www.egov.kz 100 tenge from card of the Bank/other bank 4.4 at the place of provision of services at the Public Service Centers (PSC) 50 tenge using card reader via ATMs 60 tenge via myHalyk system 50 tenge 5 Statements, balance 5.1 Card account statement at Bank's outlets - for two months (current calendar month and calendar month which has ended) 0 tenge 5.1.1 - over 2 months (current calendar month and calendar month which has ended) up to one year 1 000 tenge (for the period) - over one year (for every 12 months) 1 500 tenge 5.1.2 via myHalyk system 0 tenge via Telebanking system 5.1.3 - account statement to customer's e-mail, registered in the card system 0 tenge - information on recent 5 transactions under card account 0 tenge via payment terminals - for two months (current calendar month and calendar month which has ended) 0 tenge 5.1.4 - over 2 months (current calendar month and calendar month which has ended) up to one year 500 tenge (for the period)

Card account mini-statement (recent 10 transactions for the last 120 calendar days) 5.2 via ATMs 60 tenge via SMS Banking service Card account balance/bonus information via ATMs/POS terminals - within Bank's network 40 tenge (from 3rd request per month), including display on the screen15 - within network of other banks across and outside the Republic of Kazakhstan 100 tenge 5.3 via POS terminals within network of Partners of Bonus Club GO!Bonus 14 0 tenge via myHalyk system 0 tenge via SMS Banking service 40 tenge via Telebanking system 0 tenge The service "Email Statement" (delivery of electronic notifications, including containing 5.4 monthly statement) 5.4.1 Disconnection1 0 tenge

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5.4.2 Automatic delivery of notifications (monthly fee) 0 tenge per month for each e-mail connected to bank account 5.4.3 Password change to receive monthly statement 0 tenge 6 Other transactions 6.1 myHalyk system 16 6.1.1 Connection, reregistration, disconnection from the system1 0 tenge 6.1.2 Token device connection1 0 tenge SMS Banking service (delivery of notifications to mobile phone on transactions by 6.2 card/card account) 17 6.2.1 Connection, disconnection1 0 tenge Delivery of notifications -monthly fee for "All: pack 0 tenge 6.2.2 -monthly fee for "Active" pack 0 tenge

18 0 tenge - monthly fee for SMS Banking service for all cards/card accounts of customer (no more than 3 numbers) At request: 6.2.3 - notification on card status in SMS Banking system 0 tenge - notification of debt on card account 40 tenge 6.2.4 Blocking/unblocking the SMS banking service for each card or mobile number 0 tenge 6.3 PIN code reset 200 tenge 6.4 PIN code replacement via ATMs of the Bank 0 tenge Investigation of dispute on the transaction made via ATM of the Bank, with video 1 6.5 recording : - by card of the Bank 3 000 tenge - by card of other second-tier bank 6 000 tenge 6.6 Check the codeword at ATM 30 tenge Notes: 1 This tariff includes VAT 2 Product "Salary" includes the receipt of pensions, allowances, social benefits, scholarships under the Agreements concluded with legal entities

1. SMS Banking service: 1) for customers connected to the service before 30 July 2018 - with pack "All" to basic card with automatic delivery of notifications to mobile phone on card transactions (maximum 5 numbers under basic card); Pack Classic 2) for customers connected to service after 30 July 2018 - with automatic delivery of notifications to mobile phone 3 (cards Visa Classic PayWave, Altyn UnionPay Classic) includes the following benefits for this on transactions of all cards/card accounts of customer (maximum 3 number). cardholder as part of the pack: 2. Visa Virtuon cards (issued without plastic via myHalyk system to card accounts of multicurrency card, except the card account in Chinese yuan); 3. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 1).

1. SMS Banking service: 1) for customers connected to the service before 30 July 2018 - with pack "All" to basic card with automatic delivery of notifications to mobile phone on card transactions (maximum 5 numbers under basic card); 2) for customers connected to service after 30 July 2018 - with automatic delivery of notifications to mobile phone on transactions of all cards/card accounts of customer (maximum 3 number). Pack Gold 2. One extra card Visa Classic/Altyn UnionPay Classic/Visa Gold Sinooil (of the same payment system) to basic (cards Visa Gold PayWave, Altyn UnionPay Gold) includes the following benefits for this card (extra cards can be issued in the name of third party). The rest of tariffs for extra card as per the product of the cardholder as part of the pack: card account; 3. Visa Virtuon cards (issued without plastic via myHalyk system to card accounts of multicurrency card, except the card account in Chinese yuan); 4. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 2).

1. SMS Banking service: 1) for customers connected to the service before 30 July 2018 - with pack "All" to basic card with automatic delivery of notifications to mobile phone on card transactions (maximum 5 numbers under basic card); 2) for customers connected to service after 30 July 2018 - with automatic delivery of notifications to mobile phone 4 Pack Platinum on transactions of all cards/card accounts of customer (maximum 3 number). (card Visa Platinum) includes the following benefits for this cardholder as part of the pack: 2. Three extra cards Visa Gold/Altyn UnionPay Gold/Visa Gold Sinooil (of the same payment system) to basic card (extra cards can be issued in the name of third party). The rest of tariffs as per the product of the card account; 3. Visa Virtuon cards (issued without plastic via myHalyk system to card accounts of multicurrency card, except the card account in Chinese yuan); 4. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 2).

1. SMS Banking service: 1) for customers connected to the service before 30 July 2018 - with pack "All" to basic card with automatic delivery of notifications to mobile phone on card transactions (maximum 5 numbers under basic card); 2) for customers connected to service after 30 July 2018 - with automatic delivery of notifications to mobile phone Pack VIP on transactions of all cards/card accounts of customer (maximum 3 number). (cards Visa Infinite, Asia Prestige Diamond) includes the following benefits for this cardholder as 2. Five extra cards Visa Gold/Altyn UnionPay Gold/Visa Gold Sinooil (of the same payment system) to basic card part of the pack: (extra cards can be issued in the name of third party). The rest of tariffs as per the product of the card account); 3. Visa Virtuon cards (issued without plastic via myHalyk system to card accounts of multicurrency card, except the card account in Chinese yuan); 4. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 3).

5 Bank fee for service of immovable card account is charged under card accounts, opened in tenge and foreign currency, on which the customer did not make any credit/debit transactions during 12 month, subject to availability of cash balance on this account and expiry of all payment cards issued under this account.

6 Bank outlets shall mean Outlets, District Divisions, Personal Service Centers, VIP Centers 7 The list of Agent Banks and Partner Banks is available at the website of the Bank - section Tariffs. 8 If technically feasible. The fee is paid if according to the requirements of the issuing bank the fee is payable by a payer

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Cash withdrawal fee is not charged when money is received on a card account under agreements concluded: - between the Bank and JSC SAPF for payments of pension savings; - between the Bank and the Directorate of the Interdepartmental Settlement Center for Social Benefits, a branch of the non-profit joint stock company State Corporation Government for Citizens for the payment of 9 pensions, benefits and social allowances paid from the state budget and the State Social Insurance Fund; - between the Bank and state authorities for employment and social programs of the Republic of Kazakhstan for the payment of benefits and social allowances paid from the state budget and the State Social Insurance Fund; - between the Bank and a legal entity for the payment of wages, pensions, other benefits.

10 Fee for savings account covers deposits "Halyk-universal", "Multicurrency" and "Halyk-excellent" 11 IPS - international payment system

12 In cases, if the terms of the agreement for acceptance and transfer of payments concluded between the Bank and legal entity, provide for fee charging for transfer from a legal entity.

13 In cases, if the terms of the agreement for acceptance and transfer of payments concluded between the Bank and legal entity, provide for fee charging for transfer from a natural person.

14 Within the network of merchants partners of the Bonus Club GO!Bonus, the merchant acquiring provides information only about the size of bonuses 15 if technically feasible 16 myHalyk system - Personal Internet Banking system https://www.myhalyk.kz/. All tariffs via Homebank system are indicated in the Homebank tariffs

17 The possibility of making payments to replenish your mobile phone number via SMS Banking service by sending requests for a short SMS number of the Bank is available only after connecting to the All package or to the Active package via ATM /myHalyk system for customers connected to the service before 30 July 2018). 18 For customers who have connected the service after 30 July 2018.

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