Tariffs for Banking Services Provided to Individuals

Tariﬀs

Опубликовано на Aloqabank.uz (http://aloqabank.uz)

Tariﬀs SERVICES PROVIDED TO LEGAL ENTITIES AND INDIVIDUAL ENTREPRENEURS

ACCOUNTING RECORDS MAINTENANCE, BANK ACCOUNTS

Account opening and closing (excluding letter of 1.1. free of charge credit accounts in national currency) 1.2. Transfer of cash from accounts: of the debit a) Transfer of cash from accounts (debit turnover) 0,5%* turnover amount b) Transfer of cash from accounts of exporting of the debit 0,2% companies (debit turnover) turnover amount c) Transfer of internal funds between customers of free of charge the JSC “Aloqabank” Opening a letter of credit account in national at 1 Basic Calculation Value 1.3. every time currency (BCV)** Changing terms and conditions of the letter of 1.4. every time at 1 BCV credit account in national currency Cancellation of the letter of credit account in 1.5. free of charge national currency 1.6. Issue and conﬁrmation of an account statement per copy at 0,1 BCV Issuing enquiries, duplicates and other information, 1.7. per copy at 0,1 BCV account data restoration from archive documents At a customer’s request, from the foreign currency 1.8. account: a) abstracts from documents are issued; every time at 0,15 BCV b) abstracts are mailed every time at 0,15 BCV

Making electronic payments (expenses of the Main per electronic 1.5 times the amount of 1.9. Informatization Center (“MIC”)) payment transfer MIC expenses

II. OPERATIONS WITH CORPORATE BANK CARDS OF LEGAL ENTITIES AND INDIVIDUAL ENTREPRENEURS

OPERATIONS WITH "HUMO" AND "UZCARD" BANK CARDS 2.1. Opening salary and scholarship bank cards free of charge 2.2. Bank card opening every time at 0,15 BCV 2.3. Bank card replacement every time at 0,15 BCV 2.4. Bank card replenishment of the sum 0,3% 2.5. Bank card replenishment free of charge 2.6. Putting a bank card on a STOP list free of charge 2.7. Blocked bank card reactivation free of charge 2.8. Issuing a bank card statement every time at 0,1 BCV Rental of payment terminals of UzCard and HUMO 2.9. payment systems (exclusive of value added tax): a) by legal entities (operating terminals of UzСard for every month 25 000 UZS legal entities – free of charge) b) by individual entrepreneurs (operating terminals of every month 15 000 UZS UzСard for individual entrepreneurs – free of charge) c) payment terminals of HUMO by legal entities free of charge

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d) payment terminals of HUMO by individual free of charge entrepreneurs 2.10. Repair or replacement of payment terminals a) repair every time at 1 BCV residual value of the b) when lost or in disrepair every time payment terminal + 1 BCV Fee for using E-ROS terminals (including charges for services of the Common Republican Processing Centre 2.11. of the sum on a contract basis (CRPC) and the National Interbank Processing Centre, (NIPC) and means of payment) Foreign bank card acquiring through UzCard and 2.12. HUMO payment terminals (merchant fee) a) when debiting from foreign bank cards of the sum 1% b) when debiting from domestic bank cards of the sum 0,2% OPERATIONS WITH CORPORATE BANK CARDS VISA 2.13. VISA bank card opening: a) “VISA-IE” per operation 50 000 UZS b) “VISA-Corporate” per operation 50 000 UZS Security deposit amount*** “VISA-IE” and “VISA- 2.14. per operation 50 USD Corporate” Cash withdrawals from a bank card issued by the JSC 2.15. “Aloqabank”: a) “VISA-IE”, within the banking system of Aloqabank of the sum 0,3%

b) “VISA-IE”, using ATMs and payment terminals of 0,3%+ principal bank of the sum other banks expenses

Carrying out non-cash transactions using VISA bank 2.16. card of the JSC «Aloqabank»: a) “VISA-IE” and “VISA-Corporate”, within the banking of the sum 0,3% system of Aloqabank b) “VISA-IE” and “VISA-Corporate” using payment 0,3%+ principal bank of the sum terminals of other banks expenses Putting VISA-IE, VISA-Corporate bank cards on the 2.17. STOP list: a) local STOP list per operation at 0,1 BCV b) international STOP list (within two weeks) per operation at 0,2 BCV Replacement of the lost or damaged VISA bank card: 2.18. when lost or in disrepair a) “VISA-IE” per operation 50 000 UZS b) “VISA-Corporate” per operation 50 000 UZS 2.19. Replacement of the expired VISA bank card: a) “VISA-IE” per operation 50 000 UZS b) “VISA-Corporate” per operation 50 000 UZS 2.20. Enabling Internet payments for bank cards free of charge 2.21. Linking bank cards to the SMS-Banking service free of charge 2.22. Issuance of a bank card account balance statement free of charge 2.23. Interest charged on account balance no interest is charged OPERATIONS WITH CORPORATE COBAGE BANK CARDS “UNIONPAY BUSINESS CLASSIC” FOR SOLE PROPRIETORS 2.24. Basic bank card opening per operation 50 000 UZS 2.25. Bank card security deposit per operation 100 000 UZS 2.26. Bank card reissuance when it expired, lost or damaged per operation 50 000 UZS 2.27. Putting a bank card on the international STOP list per operation 120 000 UZS Non-cash payments for debit transactions (works, 2.28. free of charge goods/services) by bank cards

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2.29. Cash withdrawals from ATMs outside Uzbekistan of the sum 1%, minimum 15 000 UZS Obtaining information on the bank card balance from for every piece of 2.30. 5 000 UZS bank ATMs outside Uzbekistan information OPERATIONS WITH CORPORATE COBAGE BANK CARDS “UNIONPAY” “CORPORATE GOLD” BANK CARDS 2.31. Basic bank card opening per operation 100 000 UZS 2.32. Bank card security deposit per operation 100 000 UZS 2.33. Bank card reissuance when it expired, lost or damaged per operation 100 000 UZS 2.34. Putting a bank card on the international STOP list per operation 120 000 UZS 2.35. Bank card replenishment of the sum 0,3% Non-cash payments for debit transactions (works, 2.36. free of charge goods/services) by bank cards Obtaining information on the bank card account 2.37. every time 5 000 UZS balance from ATMs of other banks

III. FOREIGN CURRENCY TRANSACTIONS

3.1. Recognition of foreign cash free of charge Acceptance of foreign cash from non-residents to 3.2. of the sum 0,3%* pay for goods and services

3.3. Withdrawal of foreign cash from an account of the sum 0,3%

Charging negative interest on the balance of 3.4. every month 0,7% per annum customer accounts in EURO Removal of foreign trade contracts from the 3.5. per contract at 0,5 BCV register due to their transfer to another bank

0,3% (minimum - at 1,5 BCV, 3.6. Account foreign currency exchange of the sum maximum - at 40 BCV)

3.7. Swap operations on a contract basis 3.8. Purchase and sale of foreign currency free of charge Acceptance and processing of foreign currency 3.9. purchase applications:

a) a hard copy application per application 1 BCV

b) An application via the internet banking per application 0,5 BCV

COLLECTION OPERATIONS

2 BCV + foreign bank 3.10. Net collections advising every time charges 3.11. Acceptance of payment documents for collection every time 1,5 BCV

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Acceptance and conﬁrmation of documentary 1,5 BCV + foreign bank 3.12. every time collections under import contracts charges

3.13. Return of documents with no payments made every time 1,5 BCV + postage costs

3.14. Checking and sending collection documents every time 2 BCV Changing and cancelling collection terms and 3.15. every time 1 BCV conditions

CHEQUE OPERATIONS

3.16. Receiving and sending cheques for collection every time 1,5 BCV Crediting into/recognizing on an account the 3.17. free of charge cheque amount 3.18. Submission of cheques sent from abroad as agreed

SWIFT OPERATIONS

3.19. Outside Uzbekistan per message 0,75 BCV

3.20. Within Uzbekistan per message 0,3 BCV

GUARANTEED FOREIGN CURRENCY TRANSACTIONS

3.21. Issuance of a guarantee of the sum 1% quarterly

Change or cancellation of guarantee terms and 2 BCV + SWIFT charges + 3.22. every time conditions partner bank fees 1 BCV + SWIFT charges+ 3.23. Advice/conﬁrmation of a guarantee via SWIFT per message partner bank fees Advice/conﬁrmation via SWIFT of change or 1 BCV + SWIFT charges + 3.24. per message cancellation of the guarantee terms and conditions partner bank fees Advising another bank’s guarantee received via 1 BCV + SWIFT charges+ 3.25. per message SWIFT partner bank fees 0,15% (maximum at 40 3.26. Making payment under the guarantee of the sum BCV)+ SWIFT charges+ partner bank fees Checking, processing and mailing documents to 2 BCV + partner bank fees + 3.27. every time accept payments under another bank’s guarantee postage costs Authentication of documents, of the guarantee 3.28. every time 2 BCV + partner bank fees keys/signatures Issuing a guarantee against another bank’s 3.29. of the sum 1% quarterly counter-guarantee COMMERCIAL LETTER OF CREDIT TRANSACTIONS

3.30. Advising letters of credit to other banks of the sum 2 BCV

0,2% (maximum 70-times 3.31. Opening an import letter of credit of the sum the amount of BCV) + SWIFT charges+ partner bank fees

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0,2% (maximum 70- times 3.32. Increase in the amount of the import letter of credit of the sum the amount of BCV) + SWIFT charges+ partner bank fees Letter of credit conﬁrmation at the request of the 3.33. of the sum 1 BCV issuing bank Acceptance and veriﬁcation of letter of credit documents, making payment under the letter of 3.34. credit (when Aloqabank is an paying bank under the letter of credit): 0,2% (maximum 5-times the a) covered letter of credit of the sum amount of BCV) + SWIFT charges + partner bank fees

b) uncovered letter of credit of the sum on a contract basis

Changing terms and conditions of the letter of 1 BCV + SWIFT charges + 3.35. every time credit partner bank fees 1 BCV + SWIFT charges + 3.36. Letter of credit cancellation every time partner bank fees COMMERCIAL LETTER OF CREDIT TRANSACTIONS

3.37. Preliminary advice every time 2 BCV

3.38. Letter of credit advising every time 2 BCV

3.39. Letter of credit conﬁrmation:

a) covered every time 0,8% per annum

b) uncovered every time as agreed

Acceptance and veriﬁcation of the letter of credit per document 0,5 BCV + partner bank fees 3.40. documents type + postage costs Changing terms and conditions of the letter of 2 BCV + partner bank fees + 3.41. every time credit postage costs 2 BCV + partner bank fees + 3.42. Letter of credit cancellation every time postage costs IV. LOAN GRANTING OPERATIONS

4.1. Loan account opening free of charge 4.2. Loan account maintenance free of charge A lump-sum payment for reviewing loan documents 4.3. (loans ﬁnanced from foreign credit lines - in line with free of charge terms and conditions of the credit line) 4.4. Collateral execution free of charge 4.5. Full or partial collateral release free of charge

4.6. Amending terms and conditions of the loan agreement every time 3 BCV 4.7. Providing that the loan balance is sold to another bank free of charge 4.8. Obtaining information from the credit bureau free of charge

4.9. Making an entry to the collateral registry free of charge

4.10. Fee for an unused portion of open credit lines free of charge

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1.5 times the credit interest 4.11. Increased interest rate on overdue principal rate 4.12. Penalty for overdue interest per day 0,7% 4.13. Monthly loan fee free of charge

4.14. A bank guarantee issuance of the sum 1% quarterly Revision of and amendment to the original terms and 4.15. every time 2 BCV conditions of the bank guarantee issued tentatively at 2 BCV, in case 4.16. Issuance of a tender guarantee every time of winning a tender – 5 BCV V. CASH TURNOVER AND CASH OPERATIONS

5.1. Cash withdrawals: a) salaries, allowances, pensions, scholarships and free of charge other similar payments b) in cash receipts free of charge c) in funds received through terminals and in non- of cash amount 1% cash form (including to procurement enterprises) d) for other purposes of cash amount 1%

5.2. Allocation of cash resources to exporters of cash amount 0,5%

Disbursement of cash from accounts of agricultural 5.3. free of charge producers

5.4. Receipt and recounting of encashment proceeds free of charge Drawing up a certiﬁcate for incorrect placement of 5.5. free of charge funds in a cash in transit bag 5.6. Issuing a chequebook for cash withdrawals per chequebook 0,1 BCV

5.7. Restoring a lost chequebook per chequebook 1 BCV Return of founders’ shares due to the dissolution of 5.8. of cash amount 2% an organization VI. PROVISION OF INTERACTIVE SERVICES

6.1. Internet Banking Operations:

a) software installation free of charge

b) monthly software fee free of charge c) if electronic signatures (keys) are lost or every time 2 BCV damaged by programme users

d) a separate fee is charged for services provided using software and registration of electronic signatures (keys) (for each electronic signature 1,5 BCV (key); upon contract termination the client hands over an electronic/digital signature (key)

e) making all account payments and settlement of the debit 0,5% operations using the software turnover amount

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Providing SMS-Banking services (to a newly linked customer - from the 1st day of the following 6.2. per phone number 0,2 BCV (every month) month, in full for the month in which a contract is terminated)

Transactions made using the mobile app 6.3. “AloqaBusiness”: a) software connection free of charge b) software installation free of charge 50% of the tariﬀ rate set for c) making all account payments and settlement of the debit the transfer of money from operations using the software turnover amount accounts

VII. MONEY TRANSFER OPERATIONS

FOREIGN CURRENCY BANK TRANSFERS

7.1. Bank transfers outside Uzbekistan:

0,15% (minimum – at 1 BCV, maximum – at 40 BCV) + a) paper money bank transfers of the sum SWIFT charges + partner bank fees 0,15% (minimum – at 1 BCV, maximum – at 35 BCV) + b) bank transfers via internet banking of the sum SWIFT charges + partner bank fees 0,1% (maximum at 2 BCV) + 7.2. Bank transfers within Uzbekistan of the sum SWIFT charges+ partner bank fees

7.3. Bank transfers within the Aloqabank’s system free of charge

7.4. GPI global cross-border transfers surveillance service per transfer 1 BCV

Changing the transfer terms after receiving a 0,75 BCV+ postage costs+ 7.5. every time payment order foreign bank charges

0,75 BCV + postage costs+ 7.6. Transfer cancelation and refund every time partner bank fees

postage costs + foreign bank 7.7. Return of rejected or unpaid documents every time charges

TARIFFS FOR BANKING SERVICES PROVIDED TO INDIVIDUALS

I. DEPOSIT OPERATIONS

1.1. Account opening and closing free of charge 1.2. Issuance of a savings book free of charge 1.3. Crediting cash to a savings account free of charge Transfer of a deposit to your name in other branches 1.4. free of charge of the bank 1.5. Penalty for losing a savings book per operation 0,1 BCV

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Issuance of a transactions and savings balance 1.6. per operation 0,1 BCV statement to a depositor or his legal representative 1.7. Reissue of a payment certiﬁcate per operation 0,1 BCV 1.8. Deposit search (on request) free of charge 1.9. Crediting the savings account in a non-cash form free of charge 1.10. Deposit transfer to an inactive/dormant account free of charge Non-cash transfers (to savings accounts in the 1.11. free of charge system of Aloqabank) 1.12. Cashless remittances a) to Aloqabank and other banks’ accounts, of the sum 0,5% including Aloqabank’s bank cards b) from savings accounts «IPOTEKA (VM-182)» to free of charge other accounts as intended Transfer of term and savings deposits and accrued 1.13. free of charge interests to a bank card Transfer of dividends, sponsorship funds, fees, rent, 1.14. of the sum 0,5% insurance and etc. 1.15. Cash withdrawals of cash deposits free of charge 1.16. Cash withdrawals of deposits made cashless: a) salaries and equivalent payments free of charge b) non-cash disbursements from the sale of free of charge Aloqabank shares and accrued dividends c) The issuance of cash compensations received non-cash based on decisions of the local public free of charge authorities d) sponsorship withdrawals of the sum 0,1% e) Withdrawal from savings accounts of funds of the sum 0,5% received as a result of court orders enforcement f) Withdrawal of other receipts of the sum 1% OTHER OPERATIONS in the banking system of 1.17. Repayment of loan debt Aloqabank – free of charge, in other banks – 1% 1.18. Payment of spousal support pay-outs free of charge 1.19. Making lump sum payments: a) Taxes and equivalent payments, including free of charge customs duties b) Payments made to accounts of oﬃcial dealers of the JSC «GM Uzbekistan» and «Sam Auto» LLC for free of charge vehicles purchased c) payments accepted in favour of partner free of charge organisations under concluded contracts in the banking system of d) other lump sum payments of the sum Aloqabank – free of charge, in other banks - 0.5% to 3% Exchange of cash from one denomination to another 1.20. (smaller denominations for larger ones, larger of cash amount 0,25% denominations for smaller ones) Cash recounting, sorting and wrapping in an 1.21. of cash amount 0,25% appropriate order, and packing SAFE DEPOSIT BOXES 1.22. 1) Daily rent: a) Safe deposit box of size 87x136x600 per day 2 000 UZS b) Safe deposit box of size 130х136х600 per day 2 000 UZS c) Safe deposit box of size 87х271х600 per day 2 500 UZS d) Safe deposit box of size 130х271х600 per day 2 500 UZS

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e) Safe deposit box of size 260х271х600 per day 3 000 UZS 2) Monthly rent: a) Safe deposit box of size 87x136x600 per month 20 000 UZS b) Safe deposit box of size 130х136х600 per month 25 000 UZS c) Safe deposit box of size 87х271х600 per month 30 000 UZS d) Safe deposit box of size 130х271х600 per month 35 000 UZS e) Safe deposit box of size 260х271х600 per month 40 000 UZS 3) Annual rent: a) Safe deposit box of size 87x136x600 per year 180 000 UZS b) Safe deposit box of size 130х136х600 per year 200 000 UZS c) Safe deposit box of size 87х271х600 per year 240 000 UZS d) Safe deposit box of size 130х271х600 per year 280 000 UZS e) Safe deposit box of size 260х271х600 per year 300 000 UZS 1.23. Penalty for losing the safe deposit box key per operation at 0,5 BCV II. LENDING OPERATIONS

2.1. Loan account opening free of charge 2.2. Loan account maintenance free of charge A lump-sum payment for reviewing loan 2.3. free of charge documents 2.4. Collateral execution free of charge 2.5. Full or partial collateral release free of charge 2.6. Monitoring free of charge Amending a loan agreement (excluding 2.7. every time 1 BCV amendments to «Full loan value») 2.8. Selling the loan balance to another bank free of charge 2.9. Obtaining information from the credit bureau free of charge 2.10. Making an entry to the collateral registry free of charge 1.5 times the loan interest overdue loan 2.11. An annual penalty rate for a non-performing loan rate (at the rate not balance exceeding 50 percent) 2.12. Penalty for overdue interest per day 0,7% 2.13. Monthly loan fee free of charge Lump sum payments on the loan principal plus 2.14. free of charge interest

III. FOREIGN CURRENCY TRANSACTIONS

3.1. Certiﬁcate/statement to an embassy per operation 0,1 BCV

Exchange of a foreign currency for another on an 3.2. of the sum 1% account

at current purchase and 3.3. Exchange of one foreign currency for another of the sum sale rate

3.4. Debiting foreign currency from an account of the sum 0,5%

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3.5. Exchange of one banknote for another of the sum 0,3%

3.6. Checking the authenticity of a banknote of the sum 1%

Acceptance for collection (by exchanging at a 3.7. partner bank) of an invalid or withdrawn foreign of the sum 3% banknote

Exchange of a damaged foreign currency for an 3.8. of the sum 5% intact one

FOREIGN CURRENCY BANK TRANSFER OPERATIONS

0,1% (maximum at 1 BCV) 3.9. Regular bank transfers outside the country of the sum + SWIFT charges + partner bank fees

0,1% (maximum at 0,5 3.10. Bank transfers within Uzbekistan of the sum BCV) + SWIFT charges+ partner bank fees

3.11. Bank transfers within the Aloqabank’s system free of charge

GPI global cross-border transfers surveillance 3.12. per transfer 1 BCV service

Changing the transfer terms after receiving a 0,75 BCV + postage costs 3.13. every time payment order + foreign bank charges

0,75 BCV + postage costs 3.14. Transfer cancelation and refund every time + partner bank fees

postage costs + foreign 3.15. Return of rejected or unpaid documents every time bank charges

SWIFT SERVICES

3.16. Outside Uzbekistan per message 0,75 BCV

3.17. Within Uzbekistan per message 0,3 BCV

IV. BANK CARD OPERATIONS

OPERATIONS WITH HUMO AND UZCARD BANK CARDS 4.1. Bank card opening

a) HUMO card every time 10 000 UZS

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b) UzCard card every time at 0,15 BCV

c) opening HUMO and UZCARD payment cards when savings deposit and term deposit on demand are free of charge opened for a customer without a savings book at his request d) HUMO and UZCARD cards for pensions and free of charge allowances

4.2. Reissue of an expired bank card a) HUMO card every time 10 000 UZS b) UzCard card every time 0,15 BCV 4.3. a) HUMO card every time 10 000 UZS b) UzCard card every time 0,15 BCV 4.4. Bank card replenishment at a bank cash desk free of charge in the amount stated in an Money transfer between «HUMO» and «UzCard» 4.5. of the sum electronic contract (open bank cards (P2P) oﬀer) 4.6. Cash withdrawals from a bank card: a) at the bank cash desk, from a bank card issued by free of charge Aloqabank b) at the bank cash desk, from bank cards of other of the sum 1% banks c) using the bank ATMs of the sum 1% Making payments using HUMO or UzCard bank cards 4.7. free of charge (cardholder fee) 4.8. Putting HUMO or UzCard bank cards on the STOP list free of charge

4.9. Blocked HUMO or UzCard bank card reactivation free of charge

OPERATIONS WITH VISA BANK CARDS 4.10. Bank card opening: a) «VISA-CLASSIC» free of charge b) «VISA-migrant» per operation 50 000 UZS c) «VISA-family» per operation 50 000 UZS d) «VISA-MDP» free of charge Security deposit for bank cards «VISA-CLASSIC», 4.11. per operation 10 USD «VISA-migrant», «VISA-family» 4.12. Bank card replenishment free of charge

Cash withdrawals from a bank card VISА issued by 4.13. JSC Aloqabank:

a) from bank cards «VISA-CLASSIC» within the of the sum 0,3% banking system of Aloqabank

b) from bank cards «VISA-migrant», «VISA-family» 0,9% + principal bank of the sum within the banking system of Aloqabank expenses

c) from bank cards «VISA-MDP» within the banking free of charge system of Aloqabank d) from bank cards «VISA-CLASSIC» using ATMs and 0,3% + principal bank of the sum payment terminals of other banks expenses

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e) from bank cards «VISA-migrant», «VISA-family» 0,9% + principal bank of the sum using ATMs and payment terminals of other banks expenses Non-cash withdrawals from the VISA bank card 4.14. issued by Aloqabank: a) from bank cards «VISA-CLASSIC» within the 0,3% + principal bank of the sum banking system of Aloqabank expenses b) from bank cards «VISA-migrant», «VISA-family» 0,3% + principal bank of the sum within the banking system of Aloqabank expenses c) from bank cards «VISA-MDP» within the banking principal bank expenses system of Aloqabank d) from bank cards «VISA-CLASSIC» using payment 0,3% + principal bank of the sum terminals of other banks expenses e) from bank cards «VISA-migrant», «VISA-family» principal bank expenses using payment terminals of other banks Cash withdrawals from VISA bank card of other 4.15. of the sum 1% banks within the Aloqabank system 4.16. Putting a bank card on a STOP list:

a) local STOP list per operation 0,1 BCV

b) international STOP list (within two weeks) per operation 0,2 BCV 0,1% (maximum at 1 BCV) Non-cash transfers from a bank card account to 4.17. of the sum + SWIFT charges+ another bank partner bank fees 4.18. Replacement of a lost or damaged bank card: a) «VISA-CLASSIC» per operation 30 000 UZS b) «VISA-migrant» per operation 50 000 UZS c) «VISA-family» per operation 50 000 UZS d) «VISA-MDP» per operation 30 000 UZS 4.19. Replacement of an expired bank card: a) «VISA-CLASSIC» per operation 30 000 UZS b) «VISA-migrant» per operation 50 000 UZS c) «VISA-family» per operation 50 000 UZS d) «VISA-MDP» per operation 30 000 UZS 4.20. Enabling Internet payments for bank cards free of charge

4.21. Linking bank cards to the SMS-Banking service free of charge

4.22. Issuance of a bank card account balance statement free of charge for the residual 4.23. Interest charged on account balance no interest is charged amount OPERATIONS WITH UZCARD BANK CARDS VIA THE PAYMENT SYSTEM "MIR"

4.24. Bank card opening per operation 25 000 UZS 4.25. Bank card ﬁrst issue within a payroll project free of charge 4.26. Bank card security deposit per operation 100 000 UZS Bank card reissuance when it expired, lost or 4.27. per operation 25 000 UZS damaged Non-cash payments for debit transactions (works, 4.28. free of charge goods/services) by bank cards

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Foreign cash disbursement from ATMs of other 4.29. of the sum 1,3% banks (outside Uzbekistan) Obtaining information on the bank card account 4.30. every time 2 000 UZS balance from ATMs of other banks

4.31. Bank card cash replenishment (outside Uzbekistan) of the sum 1%

Crediting funds from the MIR bank card to a bank 4.32. card of the national system when making a cross- free of charge border transfer

OPERATIONS WITH COBAGE BANK CARDS “UNIONPAY”

4.33. Basic bank card opening per operation 25 000 UZS 4.34. Bank card ﬁrst issue within a payroll project free of charge 4.35. Bank card security deposit per operation 100 000 UZS Bank card reissuance when it expired, lost or 4.36. per operation 25 000 UZS damaged 4.37. Putting a bank card on the international STOP list per operation 120 000 UZS Cash withdrawals from bank cards issued by 4.38. free of charge Aloqabank at the bank’s cash desk 4.39. Cash withdrawals from ATMs Within Uzbekistan of the sum 1% 4.40. Cash withdrawal from ATMs outside Uzbekistan of the sum 1%, minimum 20 000 UZS Obtaining card balance information from another for every piece of 4.41. 5 000 UZS bank’s ATM information 4.42. Delivery of bank cards ordered remotely bank card opening charge a) to Tashkent city and regional centres per operation + 5 000 UZS bank card opening charge b) to a province districts and remote settlements per operation + 10 000 UZS V. INTERACTIVE SERVICES

Receiving bank account information via SMS- 5.1. free of charge Banking Operations performed for individuals from mobile- 5.2. and web-based apps: a) installation of a mobile app for individuals free of charge b) bank card temporary blocking free of charge c) familiarization with UzCard, cobage UnionPay, offer-based MIR bank cards history of transactions d) familiarization with Visa, Master Card, Union Pay free of charge and Humo bank cards history of transactions e) information on savings and loan accounts free of charge balances and interests accrued thereon f) foreign currency purchase (online conversion) free of charge g) opening and operating online deposits free of charge of the transfer h) bank card to bank card transfers offer-based amount of the repayment i) loan repayment offer-based amount of the payment j) receiving international money transfers offer-based amount of the payment k) payments to various service providers offer-based amount

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of the payment l) e-wallet cashless crediting and debiting oﬀer-based amount of the transfer m) e-wallet to e-wallet money transfers oﬀer-based amount of the payment 5.3. Automatic loan repayment 0,5% amount VI. MONEY TRANSFER OPERATIONS

Transactions via the inter-regional money transfer system "Аloqaexpress"

6.1. Sending remittances*:

a) in local currency of the sum 1%, minimum 1000 UZS

b) in foreign currency:

1% (at the exchange rate Up to 1,000 USD of the sum of the Central Bank of Uzbekistan)

0,5% (at the exchange rate 1000 USD to 5000 USD of the sum of the Central Bank of Uzbekistan)

0,3% (at the exchange rate Over 5000 USD of the sum of the Central Bank of Uzbekistan)

6.2. Money transfer pay-out free of charge INTERNATIONAL MONEY TRANSFER TRANSACTIONS

as agreed with partner 6.3. Foreign currency transfers from and to Uzbekistan of the sum organisations