Item Transaction American Express Rewards, Visa Sticker

Home , American Express

Annex 1 to resolution of the Tariff Committee No.429 dated 08 June 2018 as amended by: TCR No.735 dated 04.10.2018, TCR No.1007 dated 21.11.2018 , TCR No. 172 dated 28.01.2019, TCR No. 444 dated 13.03.2019 (effective from 01.04.2019), TCR No. 817 dated 19.05.2019 (effective from 01.07.2019)

Servicing Tariffs for Debit Cards (product "Salary"2 and "Standard) issued/reissued from 01.12.2018.

Basic pack3 Persona pack4 American Express Rewards, Platinum pack4 VIP pack4 (Visa (Visa Gold (Rewards), (Visa Signature, MasterCard Item Transaction Visa Sticker, MasterCard Sticker, Visa ISIC Visa Gold Sinooil (Visa Platinum, MasterCard Infinite, MasterCard World Elite, MasterCard World, Altyn World Black Edition, UnionPay Altyn UnionPay Sticker16 Platinum, UnionPay Platinum) Asia Prestige Diamond) UnionPay Gold) Diamond)

1 Service of current account in the card database (the card account) and cards Card account opening/closing, service 0 tenge 0 tenge

1.1 Service of immovable card account (the account without any credit/debit transactions made during 12 Account balance, but not more Account balance, but not more than 200 tenge monthly month by the customer or its representative)5 than 200 tenge monthly

1.2 Card issue, card replacement upon expiry, card closing 0 tenge 0 tenge 1.3 Annual card/pack service Product "Salary" 1st year 0 tenge 0 tenge 1 800 tenge 3 000 tenge 12 000 tenge 60 000 tenge 600 tenge 3 000 tenge 2nd year and subsequent (150 tenge per month) (250 tenge per month) (1 000 tenge per month) (5 000 tenge per month) (50 tenge per month) (250 tenge per month) - for employees of budget organizations, students: not applicable 1st year 0 tenge 0 tenge 1 800 tenge 3 000 tenge 12 000 tenge 60 000 tenge 1.3.1 300 tenge 3 000 tenge 2nd year and subsequent (150 tenge per month) (250 tenge per month) (1 000 tenge per month) (5 000 tenge per month) (25 tenge per month) (250 tenge per month)

- for pensioners and persons who are paid allowances from republican/local budget: 1st year 0 tenge

not applicable 300 tenge not applicable 2nd year and subsequent (25 tenge per month); 0 tenge по Altyn UnionPay Gold Product "Standard" at Bank's outlet 6 1st year 960 tenge 1 800 tenge 3 000 tenge 6 000 tenge 18 000 tenge 72 000 tenge not applicable 2nd year and subsequent (80 tenge per month) (150 tenge per month) (250 tenge per month) (500 tenge per month) (1 500 tenge per month) (6 000 tenge per month) 1.3.2 via Homebank system 1st year 0 tenge 3 000 tenge 6 000 tenge 18 000 tenge 0 tenge 600 tenge not applicable not applicable 2nd year and subsequent (250 tenge per month) (500 tenge per month) (1 500 tenge per month) (50 tenge per month)

1.4 Annual extra card/pack service (depending on the card account product) Product "Salary" 600 tenge 1 800 tenge 3 000 tenge 12 000 tenge 60 000 tenge 1st year and subsequent 0 tenge (50 tenge per month) (150 tenge per month) (250 tenge per month) (1 000 tenge per month) (5 000 tenge per month)

3 000 tenge (250 tenge per month) - Classic pack , Basic pack and Platinum 2nd year and subsequent pack

0 tenge - Persona and VIP pack

0 tenge - for employees of budget organizations, students: 1.4.1 1st year 0 tenge

3 000 tenge 300 tenge 1 800 tenge (250 tenge per month) - Classic 3 000 tenge 12 000 tenge 60 000 tenge (5 pack , Basic pack and Platinum 2nd year and subsequent (25 tenge per month) (150 tenge per month) (250 tenge per month) (1 000 tenge per month) 000 tenge per month) pack

0 tenge - Persona and VIP pack

Приложение_2_Тарифы ФЛ 1.4.1

- for pensioners and persons who are paid allowances from republican/local budget 300 tenge 1st year 0 tenge (25 tenge per month); not applicable 2nd year and subsequent 0 tenge по Altyn и Altyn UnionPay Product "Standard"

3 000 tenge 1st year (250 tenge per month) - Classic 1.4.2 960 tenge 1 800 tenge pack , Basic pack and Platinum 6 000 tenge 18 000 tenge 72 000 tenge 0 tenge (80 tenge per month) (150 tenge per month) pack (500 tenge per month) (1 500 tenge per month) (6 000 tenge per month)

2nd year and subsequent 0 tenge - Persona and VIP pack

1.5 Card reissue instead of lost/stolen/damaged/unclaimed 1 000 tenge 1 800 tenge 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 (in the name of account holder) - 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; - replenishment of card account of the Bank, Agent Bank and Partner Bank7 at Cash-In devices of the Bank: via ATMs 0 tenge via payment terminal 8 0 tenge 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 in accordance with agreement - in currency in accordance with agreement within network of other banks across the Republic of Kazakhstan 0,9% + 50 tenge

1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; multicurrency card: up to USD1000 up to USD500 per month within network of other banks outside the Republic of Kazakhstan 1,5%, min. 1 000 tenge 1,5%, min. 1 000 tenge up to USD200 per month per month (equivalent in other (equivalent in other currency): (equivalent in other currency): 0 currency): 0 tenge tenge 0 tenge

0,6%, min. 400 tenge; 0,6%, min. 400 tenge; 0,6%, min. 400 tenge; multicurrency card: up to USD500 up to USD1000 within network of JSC Halyk Bank Georgia, OJSC Halyk Bank Kyrgyzstan, CB Moskommertsbank (JSC), 0,6%, min. 400 tenge 0,6%, min. 400 tenge up to USD200 per month (equivalent in other per month (equivalent in other CJSC Kazkommertsbank Tajikistan 2.3.1 per month (equivalent in other currency): currency): currency: 0 tenge 0 tenge 0 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

1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; multicurrency card: up to USD1000 up to USD500 per month within network of other banks outside the Republic of Kazakhstan 1,5%, min. 1 000 tenge up to USD200 per month per month (equivalent in other currency): 0 (equivalent in other currency): 0 (equivalent in other currency): 0 tenge tenge tenge

0,6%, min. 400 tenge; 0,6%, min. 400 tenge; 0,6%, min. 400 tenge; multicurrency card: within network of JSC Halyk Bank Georgia, OJSC Halyk Bank Kyrgyzstan, CB Moskommertsbank (JSC), up to USD500 per month up to USD1000 per month 0,6%, min. 400 tenge up to USD200 per month CJSC Kazkommertsbank Tajikistan (equivalent in other currency): 0 (equivalent in other currency): 0 (equivalent in other currency): 0 tenge tenge tenge

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

2.3.2 Приложение_2_Тарифы ФЛ 1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; 1,5%, min. 1 000 tenge; multicurrency card: up to USD500 per month up to USD1000 per month within network of other banks outside the Republic of Kazakhstan 1,5%, min. 1 000 tenge up to USD200 per month (equivalent in other currency): 0 (equivalent in other currency): 0 (equivalent in other currency): 0 2.3.2 tenge tenge tenge

2.3.3 - received from deposit to card account via myHalyk system In accordance with the terms of the Bank Deposit Agreement 2.4 cash by code at ATM in accordance with Homebank tariffs 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 ATMs 150 tenge via Homebank system in accordance with Homebank tariffs - between cards of one customer of the Bank at Bank's outlet 0 tenge via ATMs 150 tenge via Homebank system in accordance with Homebank tariffs - to current account of other natural person 3.1.1 at Bank's outlet 500 tenge посредством банкоматов 150 tenge посредством системы «Homebank» in accordance with Homebank tariffs - between cards of different customers of the Bank at Bank's outlet 500 tenge via ATMs 150 tenge

via Homebank system in accordance with Homebank tariffs

- balance to other card account/current account of holder with the Bank, in case of card account closing 0 tenge

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 Homebank system

- in tenge in accordance with Homebank tariffs 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 0,5%, min. 500 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 and Mastercard MoneySend (within one IPS 10 ) via ATMs - from card of any other Kazakhstan bank - participant of IPS Visa International/Mastercard WorldWide to 0 tenge card of the Bank/Agent Bank7 - from card of the Bank to card of any other Kazakhstani bank - participant of IPS Visa International/Mastercard WorldWide 1% + 200 tenge 3.3 - between cards of other Kazakhstani banks - participants of IPS Visa International/Mastercard WorldWide

- transfers involving cards of a foreign bank - participant of IPS Visa International/Mastercard WorldWide 1% + 2 USD

via Homebank system - from card of the Bank to card of any other Kazakhstani bank - participant of IPS Visa International/Mastercard WorldWide in accordance with Homebank tariffs - to card of a foreign bank - participant of IPS Visa International/Mastercard World Wide Card2Card transfers between cards of the Bank/Agent Bank/Partner Bank 7 via ATMs - from card of Agent Bank to card of Bank/Agent Bank 150 tenge 3.4 - from card of Bank/Agent Bank to card of Agent Bank

Приложение_2_Тарифы ФЛ 3.4 via Homebank system - from card of Bank to card of Agent Bank in accordance with Homebank tariffs - from card of Bank to card of Partner Bank 4 Payments Payments in favor of legal entities within the framework of concluded Agreements for payment acceptance between legal entities and the Bank - processing of documents processing (payment for utilities, telecommunication and other services, within the framework of concluded agreements11) via ATMs 60 tenge (5 tenge for persons who have opened card account for pensions and allowances from state budget and/or SSIF) via SMS Banking service 50 tenge (5 tenge for persons who have opened card account for pensions and allowances from state budget and/or SSIF) via Homebank system in accordance with Homebank tariffs 4.1 - money transfer to corporate account12 via ATMs - payment for services 120 tenge (5 tenge for persons who have opened card account for pensions and allowances from state budget and/or SSIF) - 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 Homebank system in accordance with Homebank tariffs

4.2 Payment of goods and services at merchants by cards of the Bank 0 tenge Customs payment 14 : 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 (5 tenge for persons who have opened card account for pensions and allowances from state budget and/or SSIF) via Homebank system in accordance with Homebank tariffs 5 Statements, balance 5.1 Card account statement at Bank's outlet - 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 - one year (for every 12 months) 1 500 tenge 5.1.2 via Homebank 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 5.1.4 - for two months (current calendar month and calendar month which has ended) 0 tenge - over 2 months (current calendar month and calendar month which has ended) up to one year 500 tenge 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 screen display14

5.3 -within network of other banks across and outside the Republic of Kazakhstan 100 tenge

via POS terminals within network of Partners of Bonus Club GO!Bonus 13 0 tenge

via Homebank system 0 tenge via SMS Banking service 40 tenge via Telebanking system 0 tenge The service "Email Statement" (delivery of electronic notifications, including containing monthly 5.4 statement) 5.4.1 Connection, disconnection1 0 tenge 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

Приложение_2_Тарифы ФЛ 6 Other transactions 6.1 Homebank system 15 6.1.1 Connection, reregistration, disconnection from the system1 0 tenge SMS Banking service (delivery of notifications to mobile phone on transactions by card/card 6.2 account) 6.2.1 Connection, disconnection1 0 tenge Delivery of notifications

300 tenge per month 6.2.2 0 tenge - monthly fee for SMS Banking service for all cards/card accounts of customer (for each registered number, (no more than 3 number) but not more than 3 number)

At request: 6.2.3 - notification on card status in SMS Banking system 0 tenge - уведомление о задолженности по карт-счету 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 recording 1 : 6.5 - 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. Extra cards14: Basic pack 1) AmEx Rewards cards; 3 (Visa Gold (Rewards), MasterCard World, Altyn UnionPay Gold cards) includes the following benefits for 2) virtual card issued without plastic via Homebank system; this cardholder as part of the pack: 3) contactless stickers.

1. SMS Banking services for all cards/card accounts of customer -automatic delivery of notifications to mobile phone under cards/card accounts transactions (maximum 3 number); 2. One extra card (one level below) to the main card (extra card can be issued to a third party) if it is a multicurrency card. One extra card Visa Rewards, MasterCard World, Altyn UnionPay Gold to the main card (extra card can be issued to a third party) if it is a single currency card. The remaining tariffs for extra card in accordance with the product of the card account; Platinum pack 14 (Visa Platinum, MasterCard Platinum, UnionPay Platinum cards) includes the following benefits for this 3. Extra cards : cardholder as part of the pack: 1) AmEx Rewards cards; 2) virtual card issued without plastic via Homebank system; 3) contactless stickers; 4. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 1).

1. SMS Banking services for all cards/card accounts of customer -automatic delivery of notifications to mobile phone under cards/card accounts transactions (maximum 3 number); 2. Three extra cards (one level below) to the main card (extra cards can be issued to a third party). The remaining tariffs in accordance with the product of the card account; Persona pack 3. Extra cards14: 4 (Visa Signature, MasterCard World Black Edition, UnionPay Diamond cards) includes the following 1) AmEx Rewards card; benefits for this cardholder as part of the pack: 2) virtual card issued without plastic via Homebank system; 3) contactless stickers; 4. "Travel+" certificate to group insurance contract between JSC Halyk Bank and JSC Kazakhinstrakh (program 2).

1. SMS Banking services for all cards/card accounts of customer -automatic delivery of notifications to mobile phone under cards/card accounts transactions (maximum 3 number); 2. Five extra cards (one level below) to the main card (extra cards can be issued to a third party). The remaining tariffs in accordance with the product of the card account; VIP pack 3. Extra cards14: (Visa Infinite, MasterCard World Elite, Asia Prestige Diamond pack) includes the following benefits for this 1) AmEx Rewards card; cardholder as part of the pack: 2) virtual card issued without plastic via Homebank system; 3) contactless stickers; 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 The fee is paid if according to the requirements of the issuing bank the fee is payable by a payer

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; 9 - between the Bank and the Directorate of the Interdepartmental Settlement Center for Social Benefits, the branch of the non-profit joint stock company State Corporation Government for Citizens for the payment of 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 IPS - international payment system 11 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.

Приложение_2_Тарифы ФЛ 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 natural person. 13 Within the network of merchants partners of the Bonus Club GO!Bonus, the merchant acquiring provides information only about the size of bonuses 14 If technically feasible 15 Homebank system - Personal Internet Banking system https://www.Homebank.kz/ 16 Cards Visa Sticker, MasterCard Sticker, Altyn UnionPay Sticker are not available for cash withdrawal and transactions/payments via АТМ/POS terminals.

Приложение_2_Тарифы ФЛ