Cash Receipt for a Personal Loan Agreement

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Cash Receipt for a Personal Loan Agreement Powered By Docstoc
					        Effective from 21 February, 2002
        (adjusted for changes and additions as of 1 February, 2006)
        JSC Bank TuranAlem. Fees and tariffs of banking services for individual clients


                                                          Type of Service                                                                Tariff
        1. OPENING OF ACCOUNTS FOR CLIENTS
        2. TRANSFER OPERATIONS IN NATIONAL CURRENCY
        2.1. Transfers (payments) in favor of clients of other banks:
        2.1.1. Current value date:
        - Up to 5 million KZT

            - from 9 a.m. till 1.00 p.m.                                                                          0,23% of payment amount, min.230 KZT, max. 450 KZT


            - from 1.00 p.m. till 4.00 p.m.                                                                       0,25% of payment amount, min.380 KZT, max. 650 KZT

        - from 4.00 p.m. till 6.00 p.m.                                                                                                1 550 KZT
        - Over 5 million KZT
        - from 9.00 a.m. till 1.00 p.m.                                                                                                 620 KZT
        - from 1.00 p.m. till 4.00 p.m.                                                                                                 930 KZT
        - from 4.00 till 6.00 p.m.                                                                                                     1 550 KZT
        2.1.2. Forward value date:
        - Up to 5 million KZT
        - 1 day                                                                                                                         155 KZT
        - 2 day                                                                                                                         140 KZT
        - 3 day                                                                                                                         125 KZT
        - Over 5 million KZT
        - 1 day                                                                                                                         460 KZT
        - 2 day                                                                                                                         385 KZT
        - 3 day                                                                                                                         310 KZT
        2.1.3. Express transfer                                                                                                        1 200 KZT
        2.2. In-bank transfer
        2.2.1. between the accounts of one client                                                                                    free of charge
        2.2.2 between the accounts of different clients                                                                                 150 KZT
        2.5. Transfer of pension and social payments (for one individual)                                                         200 KZT per payment

        2.6. Transfer of tax and other mandatory payments to the budget:                                                   0.3% min. 100 KZT, max. 500 KZT

        2.8. Express transfer*                                                                                   2% of transferred amount, min. 100 KZT, max. 50000 KZT
        2.8.1. Express transfer, text message                                                                                            50 KZT
        * to be effective after Regulation on cash transfer by private persons through Express Transfer system in JSC Bank TuranAlem is approved

        3. TRANSFER OPERATIONS IN FOREIGN CURRENCY
        3.1. Transfers (payments) in favor of clients of other banks in USD and EUR:

        3.1.1. At Sender's expense OUR                                                                                         0,3%, min. 50$, max. 200$

        3.1.2. At Beneficiary's expense BEN                                                                                    0.15%, min. 15$, max. 50$
        3.1.3. Transit transfer in foreign currency at instruction and in favour of clients of other banks                      0.2%, min. 15$, max. 50$
        3.2. Transfers (payments)in favor of clients of other banks in other types of currency:
        3.2.1. At Sender's expense OUR                                                                                         0.3%, min. 50$, max. 200$
        3.2.2. At Beneficiary's expense BEN                                                                                    0.15%, min. 15$, max. 50$
        3.3. Transfers (payments) in favor of clients of other banks in CIS currency:
        3.3.1 At Sender's expense OUR                                                                                          0,1%, min. 10$, max. 125$
        3.4.Transfer payment operations:
        3.4. Re-transfer:
        3.4.1. in the event of change of circumstances or payment return                                                                   50$
        3.4.2. Clarifying reasons for payment reutrn (incl.VAT)                                                                            50$
        3.4.3. Payment cancellation (inl.VAT)                                                                                              50$
        3.7. Providing copies of SWIFT messages on outgoing transfers in foreign currency (incl.VAT)
        4. CASH OPERATIONS
        4.1. Cash disbursement from term deposit accounts entered on account :
        4.1.1. by cash contribution if the term of depositing is:
        4.1.1.1. - less than one week                                                                                      0.7% in kZT, 1% in foreign currency
        4.1.1.2. - from one week and more                                                                                            free of charge
        4.1.2. Cashless:
        4.1.2.1. - under early termination                                                                                 0.7% in KZT, 1% in foreign currency
        4.1.2.2. - under timely closure                                                                                              free of charge
        4.2. Cash disbursement from current accounts (irrespective of how cash is credited to the account and
                                                                                                                           0.7% in KZT, 1% in foreign currency
        what is the term of cash depositing)
        4.3. For cash re-counting to replenish current account of the amount exceeding 1 million KZT or 10 000
                                                                                                                     0.1% > 1 million KZT, 10 000 in foreign currency
        in free convertible currency
        4.4. Purchase of non-payable foreign curency                                                                                    10.00%
        4.5. Acceptance of decayed currency for collection                                                                              10.00%
        4.6. Exchange of big banknotes for small banknotes and vice versa                                                                0.50%
        4.7. Deposit search at deposit holder's or its successor's request (incl.VAT)                                                   400 KZT
        4.8. Account re-arrangement on the basis of heritage certificate or otherwise (incl.VAT)                                        150 KZT
        4.9. Providing different references at client's request (incl.VAT)




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        4.9.1. On available account                                                                                                            300 KZT
        4.9.1.1. On account balance confirmation                                                                                               300 KZT
        4.9.1.2. Providing different references using archive information                                                                      350 KZT
        4.10. Issue of duplicating bank-and-financial documents (incl.VAT):
        4.10.1. Bank Account Agreement                                                                                                         300 KZT
        4.10.2. Savings book                                                                                                                   100 KZT
        4.10.3. Payment order                                                                                                                  100 KZT
        4.11. Transfer of payments for public utilities                                                                                 min. 50 KZT per receipt
        5. CHEQUE OPERATIONS
        5.1. Purchase of traveller's cheques                                                                                               2% min. 465 KZT
        5.2. Sale of traveller's cheques                                                                                                   1%, min. 465 KZT
        5.3. Sale of trade cheques                                                                                                         1%, min. 310 KZT
        5.4. Acceptance of personal cheques for collection                                                                                775 KZT per cheque
        5.5. Return of unpaid cheques accepted for collection                                                                            5 425 KZT per cheque
                                                                                                                                                         without insurance
        6. CARD OPERATIONS                                                                                              with insurance deposit
                                                                                                                                                              deposit
        6.1. Card issue and servicing
        6.1.1. Issue of individual cards (incl.VAT):
        6.1.1.1. Value of issue of main individual cards (incl.VAT)
         - Smart Alem Card                                                                                                     1000 KZT                       1000 KZT
         - VISA Classic Domestic, Cirrus/Maestro Domestic                                                                       700 KZT                        700 KZT
         - VISA Electron, Cirrus/Maestro International                                                                          700 KZT                        700 KZT
         - VISA Сlassic, MasterCard Standard                                                                                   6 200 KZT                     12 400 KZT
         - VISA Business, /MasterCard Business                                                                                15 500 KZT                     31 000 KZT
         - VISA Gold, /MasterCard Gold                                                                                        23 300 KZT                     46 600 KZT
         - VISA Platinum, MasterCard Platinum                                                                                 54 300 KZT                     108 600 KZT
         - VISA Virtual, MasterCard Virtual                                                                                    1 600 KZT                      3 200 KZT
        6.1.1.2. Value of issue of additional individual cards (incl.VAT):
         - VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro International, VISA
        Classic, MasterCard Standard, VISA Business, /MasterCard Business, VISA Gold, MasterCard Gold, VISA                             50% of main card value
        Platinum, MasterCard Platinum
        6.1.1.3. Value of re-issue of individual cards (main, additional) in case of its loss/theft or damage
        (incl.VAT):
         - SmartAlem Card                                                                                                                     1 000 KZT
         - VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro International, VISA Classic,
        MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard Gold, VISA Platinum,                             50% of main card value
        MasterCard Platinum
        6.1.1.4. Express issue of individual cards (within two banking days only for Almaty clients,
        SmartAlemCard only in Aktyubinsk) (incl.VAT):
         - SmartAlem Card, VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro
        International, VISA Classic, MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard                double tariff (min. 3 000 KZT)
        Gold, VISA Platinum, MasterCard Platinum, VISA Virtual, MasterCard Virtual
        6.1.1.5. Insurance deposits on main individual cards :
         - SmartAlem Card, VISA Classic Domestic, VISA Electron, Cirrus/Maestro Domestic, Cirrus/Maestro
                                                                                                                                   No                             No
        International
         - VISA Сlassic, MasterCard Standard                                                                               75 000 KZT (500$)                      No
         - VISA Business, MasterCard Business                                                                             150 000 KZT (1 000$)                    No
         - VISA Gold, MasterCard Gold                                                                                     300 000 KZT (2 000$)                    No
         - VISA Platinum, MasterCard Platinum                                                                           7 500 000 KZT (50 000$)                   No
         - VISA Virtual, MasterCard Virtual                                                                                 2 250 KZT (15$)                       No
        6.1.1.6. Insurance deposits on additional individual cards:
         - VISA Classic, MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard
        Gold, VISA Platinum, MasterCard Platinum
         - individuals, direct kinship, two as maximum                                                                             No                             No

                                                                                                                        50% of insurance deposit
            - Individuals, non-direct kinship and legal entities                                                                                                  No
                                                                                                                             on main card

            - SmartAlem, VISA Classic Domestic, VISA , Cirrus/Maestro Domestic, Cirrus/Maestro International                       No                             No
        6.1.1.7.Insurance deposits for salary projects on VISA Сlassic, MasterCard Standard provided that the
        average salary amount is no less than 500$ and that salary amounts are regularly transferred to the card                   No                             No
        accounts
        6.1.2. Issue of salary cards
                                                                                                                        Annual service fee and commission fee for carrying
        6.1.2.1. Value of issue of additional salary cards (incl.VAT):                                                  out of operations is subject to the agreement of the
                                                                                                                                               parties
        VISA Classic Domestic, A300Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro International, VISA
        Classic, MasterCard Standard, VISA Business, ДЛСТР()/MasterCard Business, VISA Gold, MasterCard                                     Free of charge
        Gold, VISA Platinum, MasterCard Platinum

            6.1.2.2. Value of re-issue of salary cards (main, additional) in case of loss/theft or damage (incl.VAT):

         - SmartAlem Card, VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro
        International, VISA Classic, MasterCard Standard, VISA Business, MasterCard Business, VISA Gold,                                    Free of charge
        MasterCard Gold, VISA Platinum, MasterCard Platinum, VISA Virtual, MasterCard Virtual

        6.1.3. Salary card maintenance:
        6.1.3.1. Annual service fee for salary cards (incl.VAT)
         - SmartAlem Card                                                                                                                     600 KZT
        - Visa Classic Domestic, Cirrus/Maestro Domestic                                                                                      600 KZT
        - VISA Electron, Cirrus/Maestro International                                                                                          600 KZT
        - Visa Classic, MasterCard Standard                                                                                                   4 200 KZT




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            - Visa Gold,/MasterCard Gold                                                                                                         15 600 KZT
            - VISA Platinum, MasterCard Platinum                                                                                                 15 600 KZT

        6.2. Commission fee for the operations carried out:

            6.2.1. Commission fee for cash entry (cash/cashless) to card accounts:
        6.2.1.1. Cash contributions (in KZT and in foreign currency):                                                                 as per branch applicable rates
        6.2.1.2. Cashless transfer:
         - in USD to currency account                                                                                                               No
         - In national currency                                                                                                                     No
         - earlier concluded salary projects                                                                                                  as per contract

            - for re-concluded contracts on salary projects                                                                0.7% (together with commission fee for cash receipt)

        6.2.2. Commission fee for cash receipt through payment cards issued by JSC Bank
        TuranAlem:
        6.2.2.1. At ATMs and automated cash dispensers of JSC Bank TuranAlem
            * by individual debit cards
            - in national currency                                                                                                                0.70%
            - in USD to currency account                                                                                                          0.70%
         ** by salary cards:                                                                                                 0.7% (together with commission fee for cashless
        ***by individual credit cards                                                                                                             2.00%
         *** by credit cards under saalry projects                                                                                                0.70%
                                                                                                                            in accordance with the applicable cash withdrawal
        ****At branch office after card expiry date
                                                                                                                                                   rates
        6.2.2.2. At ATMs and automated cash dispensers of other banks: on the territory of the Republic of Kazakhstan
        * By all debit cards                                                                                                                0.7% (min. 350 KZT)
        **By all credit cards                                                                                                                2% (min. 465 KZT)
        6.2.2.3. At ATMs and automated cash dispensers of other banks: beyond the territory of the Republic of
        Kazakhstan:
         *By all debit cards                                                                                                               1.75% (min. 465 KZT)
         **By all credit cards                                                                                                               2% (min. 465 KZT)
        6.2.3. Commission fee for cash receipt by cards of other banks:
            - at automated cash dispensers of JSC Bank TuranAlem (in KZT and foreign currency)                                                      2.0%
            - at ATMs of JSC Bank TuranAlem (in KZT and foreign currency)                                                                      Free of charge
                                  conversion at trade and service outlets
        6.2.4. Commission fee for the servicesoperations on card accounts(incl.VAT):                                                    at the Bank's current rates
        6.2.5. Commission fee for transfer of cash amounts from card accounts
        6.2.5.1. to other banks:
        - in national currency                                                                                                              0.3%, min. 230 KZT
        - in USD                                                                                                                        0.3% (min. 50$, max. 100$)
        6.2.5.2. to a branch office for cash receipt in case of card loss, theft and damage (manual processing)                             1.5%, min. 155 KZT

        6.2.5.3. Cash transfer from card to card (for the cards issued by JSC Bank TuranAlem (incl.VAT)                                            80 KZT
        6.2.6. Commission fee for service at trade and service outlets (incl.VAT):
        - at and beyond the territory of Kazakhstan                                                                                            Free of charge
        6.3. Other commissions
        6.3.1. Commission fee for statement from card account (incl.VAT):
        6.3.1.1. Monthly statement (up to 2 months)
         - SmartAlem Card, VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro
                                                                                                                                                   50 KZT
        International, VISA Virtual, MasterCard Virtual
         - VISA Classic, MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard Gold,
                                                                                                                                               Free of charge
        VISA Platinum, MasterCard Platinum
               - Internet statement                                                                                                            Free of charge
        6.3.1.2. Archive statement (over 2 months)                                                                                               1 550 KZT
               - Internet statement                                                                                                            Free of charge
        6.3.2. Monthly accrued interest :
            - on card insurance deposit                                                                                                 at the on-call deposit rates
         - on card account balance (in any currency)                                                                                                0%
        6.3.3. Commission fee on trade turnover charged from a businessman (incl.VAT):                                                        as per contract
        6.3.4. Maintenance of Visa, MasterCard, Diners Club, JCB cards for businessmen from other banks
                                                                                                                                              as per contract
        (incl.VAT)
        6.3.5. Commission fees on VISA Virtual, MasterCard Virtual:
        6.3.5.1. Electronic banking (Internet):
         - connection fee                                                                                                                      free of charge
         - monthly subscription fee                                                                                                                  No

            - commission fee for cash transfer from card accounts in favor of service providers:K-Cell, K-Mobile, AlmaTV                20 KZT for each operation

        6.3.6. Review of balance on cards issued by JSC Bank TuranAlem at ATMs of other banks (incl.VAT)                                     50 KZT for review
               Review from card to card (using cards issued by JSC Bank TuranAlem) (incl.VAT)
        6.3.7. Transferof mini-receipt at ATM (only for Bank TuranAlem clients) (incl.VAT)                                                   50 KZT for review
        7. FOREIGN EXCHANGE CONVERTING SERVICES
        7.1. Foreign exchange converting:                                                                                                 at bank's current rates
        7.2. Foreign exchange buy/sell                                                                                                    at bank's current rates
        8. STATE SECURITIES OPERATIONS
        8.1. State securities operations                                                                                                        free of charge
        8.2. Services of JSC Central Securities Depository:
        8.2.1. Custody of securities (non-documentary form)                                                                     paid separately at rates of Central Depository
        8.2.2. Other services:
        8.3. Services of JSC Kazakhstan Stock Exchange
        - consulting (incl.VAT)                                                                                                       paid separately as per agreement

            - issue of references (incl.VAT)                                                                               paid separately at Central Depository rates or otherwise




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        8.3. Cash transfer                                                                                                     paid separately at KCIP rates
        9. OTHER SERVICES
        9.1. Safe custody (incl.VAT):
        9.1.1. One day                                                                                                        350 - 1000 KZT as per cell size
        9.1.2. One month                                                                                                    2 500 - 11 000 KZT as per cell size
        9.1.3. Discount if 1 year prepayment                                                                                   10% of applicable base rate
        9.1.4. Two-key locking device (purchase or loss of lock) (incl.VAT)                                                             15 500 KZT
        9.2. Check up of foreign currency at currency detector (incl.VAT)                                                                 0.20%
        14.9. Transfer of employees' salaries to deposit accounts (incl.VAT)
        9.3. Issue of different references using archive information                                                                     300 KZT
        9.4.Collateral appraisal under agricultural projects within the framework of World Bank loan (incl.VAT)
        9.4.1. if a disbursed loan is up to 100 000 USD:                                                                                7 750 KZT
        9.4.2. if a disbursed loan is 100 000 USD and more                                                                             15 500 KZT
        9.5. Collateral evaluation and re-valuation under troubled loans (appraisal) (incl.VAT)                                         5000 KZT
        9.6. Registration forms under Baby international fund (incl.VAT)                                                             10 KZT for sheet
        9.8. Commission fee for car loan arrangement (project appraisal and execution)
        9.8.1. Commission fee for loan arrangement (request consideration)
        9.8.1.1. For BTA salary cardholders                                                                                           Free of charge
        9.8.1.2. For clients confirming their income (salary reference, statement from pension account)                                 1 500 KZT
        9.8.1.3. For self-employed clients (if business is inside the city)                                                             4 500 KZT

        9.8.1.4. For self-employed clients (if business is beyond the city)                                                    4 500 KZT + travelling costs

        9.8.2. For loan arrangement
        9.8.2.1. For BTA salary cardholders                                                                                           free of charge
        9.8.2.2. For clients who do not have BTA salary cards                                                                       2% of loan amount
                                                                                                                  5% of early repaid amount from principal debt in case of
        9.8.3. Penalty for early loan repayment (6 month moratorium)
                                                                                                                         loan repayment during moratorium period




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