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How to Write Visa Inquiry Letter by dna73833

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									        Effective from 21 February, 2002
        (adjusted for changes and additions as of November, 2006)
        JSC Bank TuranAlem. Rates and tariffs for banking operations
         of legal entities
                                                         Type of Service                                                                      Tariffs

        1. OPENING OF ACCOUNTS FOR CLIENTS
        1.1. Opening of client's account                                                                                                    9,000 Tenge
        1.1.1. In branches                                                                                                                  3,500 Tenge
        1.2. Opening of the second and subsequent accounts within JSC Bank TuranAlem's overall system                                      free of charge
        1.3.Opening of account for privately owned entity                                                                                   3,500 Tenge
        1.3.1. In Almaty branch                                                                                                             4,000 Tenge
        1.3.2. In other branches                                                                                                            3,500 Tenge
        1.4. Opening of deposit account                                                                                                    free of charge
        1.5. Account management under account operations:                                                                               200 Tenge per month
        1.6. Account management without flow of funds per month, if the account balance is:
        1.6.1. More than 200 Kazakh Tenge                                                                                                    200 Tenge
        1.6.2. Less than 200 Kazakh Tenge                                                                                                  balance amount
        1.7. Closing of account upon the client's application:
        1.7.1. Null balance                                                                                                        1,550 Tenge (per each account)
        1.7.2.Non-null balance                                                                                                   account balance, max. 15,500 Tenge
        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 Tenge

        - from 9 a.m. till 1.00 p.m.                                                                                   0.23% of payment amount, min.230 Tenge, max. 450 Tenge


        - from 1.00 p.m. till 4.00 p.m.                                                                                0.25% of payment amount, min.380 Tenge, max. 650 Tenge

        - from 4.00 p.m. till 6.00 p.m.                                                                                                     1,550 Tenge
        - Over 5 million Tenge
        - from 9.00 a.m. till 1.00 p.m.                                                                                                      620 Tenge
        - from 1.00 p.m. till 4.00 p.m.                                                                                                      930 Tenge
        - from 4.00 till 6.00 p.m.                                                                                                          1,550 Tenge
        2.1.2. Future value date:
        - Up to 5 million Tenge
        - 1st day                                                                                                                            155 Tenge
        - 2nd day                                                                                                                            140 Tenge
        - 3rd day                                                                                                                            125 Tenge
        - Over 5 million Tenge
        - 1st day                                                                                                                             460 Tenge
        - 2nd day                                                                                                                             385 Tenge
        - 3rd day                                                                                                                             310 Tenge
        2.2. Express transfer                                                                                                                1,200 Tenge
        2.3. Intrabank transfers                                                                                                            free of charge
        2.4. Null of (refund) of payment (incl. VAT)                                                                                          500 Tenge
        2.5. Inquiry on payment or invistigation on outgoing payments (incl/ VAT) (upon customer's request)                                   300 Tenge
        2.6.Data processing services (registration record keeping) for transfer of mandatory pension installments to
                                                                                                                                        25 Tenge per surname
        accumulative pension funds (incl.VAT)
        2.7. Pension and social deductions:
        - Up to 5 million Tenge
        - from 9.00 a.m. till 1.00 p.m.                                                                                0.23% of payment amount, min.230 Tenge, max. 450 Tenge
        - c 1.00 p.m. till 4.00 p.m.                                                                                                          930 Tenge
        - Over 5 million Tenge
        - from 9.00 a.m. till 1.00 p.m.                                                                                                      620 Tenge
        - from 1.00 p.m. till 4.00 p.m.                                                                                                      930 Tenge
        3. CASH OPERATIONS
        3.1. Exchange of non-cash into cash:
        3.1.1. In national currency upon prior written application                                                                                0.3%
        3.1.2. In national currency without prior application (to the day)                                                                        0.4%
        3.1.3. In foreign currency (except of exchange offices)                                                                                  1.35%
        3.1.4. Refusal from acceptance of the ordered cash amount (incl.VAT)                                                                     0.05%
        3.1.5. In foreign currency (for exchange offices)                                                                                        1.15%
        3.2. Acceptance and converting of cash amounts in Tenge                                                                                   0.2%
        3.3. Double cash converting                                                                                           5% of certified amount, (max.10 000 Tenge)
        3.4. Exchange of small banknotes for big banknotes                                                                                    1% of amount
        4. TRANSFER OPERATIONS IN FOREIGN CURRENCY
        4.1. Transfers (payments) in favor of clients of other banks in USD and EUR:

        4.1.1. At Beneficiary's expense BEN                                                                                       0.2%, min. USD20, max. USD350
        4.1.2. At Sender's expense OUR                                                                                                         USD750
        4.1.3. Transit transfers in foreign currency on instruction and in favor of clients from other banks                       0,2%, min. USD15, max. USD50
        4.2. Transfers (payments)in favor of clients of other banks in other types of currency:
        4.2.1. At Beneficiary's expense BEN                                                                                       0.15%, min. USD30, max. USD450
        4.2.2. At Sender's expense OUR                                                                                            0.3%, min. USD30, max. USD500
        4.3. Transfers (payments) in favor of clients of other banks in CIS currency:




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        4.3.1. At Sender's expense OUR                                                                                                    0.2%, min. USD15, max. USD300
        4.4. Payment return request (in case of third party fees, repaid by customers additionally) (incl.VAT)                                        USD50

        4.5. Invistigation on outgoing payments (in case of third party fees, repaid by customers additionally) (incl.VAT)                                USD50

        4.6. Amendments to payment instructions (in case of third party fees, repaid by customers additionally) (incl.VAT)                                USD50

        4.7. SWIFT copies of transfer operations (incl.VAT)                                                                                             775 Tenge
        4.8. Account archives for any period (incl.VAT)                                                                                                9,300 Tenge
        5. LETTERS OF CREDIT (L/C)
        5.1. Export / Issued in favor of BTA clients
        5.1.1. Preadvising                                                                                                                             Free of charge
        5.1.2. Fulfillment of obligations:
                                                                                                                                0.10%, min. 13,000 Tenge,       0.10%, min USD100 max
        5.1.2.1. Advising to beneficiary
                                                                                                                                    max. 65,000 Tenge                   USD500
        5.1.2.2. Advising of amendments (per each package)                                                                             6,500 Tenge                       USD50
        5.1.2.3. Checking of documents and repayment                                                                            0.15%, min. 13,000 Tenge,       0.15%, min. USD100 max.
                                                                                                                                   max. 130,000 Tenge                  USD1,000
        5.1.3. Confirmation:
         - with cover                                                                                                            0.2%, min. 13,000 Tenge         0.2%, min. USD100
         - without cover                                                                                                       upon agreement, min. 32 500      upon agreement, min.
                                                                                                                                           Tenge                       USD250
        5.1.4. Transfer of transferrable L/C                                                                                    0.15%, min. 13,000 Tenge,    0.15%, min. USD100 max.
                                                                                                                                    max. 78,000 Tenge                  USD600
        5.1.5. Discrepant documents (for each discrepancy, incl. VAT)                                                                  7,750 Tenge                     USD50
        5.1.6. Negotiation of drafts                                                                                                                upon agreement
        5.1.7. Preparation and / or dispatch of the package of shipping documents (incl.VAT)                                   as per p. 17.3 + 5,200 Tenge    as per p. 17.3 + USD40

        5.1.8. Cancellation before expiry date (incl.VAT)                                                                             13,000 Tenge                   USD100
        5.1.9. Transfer operations upon clients' instructions on assignment of proceeds                                               23,250 Tenge                   USD150
        5.1.10. Fulfillment of obligations on negotiation of documents                                                                      upon agreement of the parties
        5.1.11. Inquiries                                                                                                                            free of charge
        5.2. Import / Issued upon BTA clients' instructions
        5.2.1. Opening
        by order of client                                                                                                                          upon agreement
        5.2.2. Technical issuance                                                                                                0.2%, min. 13,000 Tenge,      0.2%, min. USD100 max.
                                                                                                                                    max. 196,000 Tenge                USD1,300
        5.2.3. Preadvising                                                                                                                           Free of charge
        5.2.4. Fulfillment of obligations:
        5.2.4.1. Amendment of terms (each amendment)*                                                                                  5200 Tenge                      USD40
        5.2.4.2. Checking of documents and repayment                                                                            0.15%, min. 13,000 Tenge,     0.15%, min. USD100 max.
                                                                                                                                    max. 104,000 Tenge                 USD800
        5.2.5. Cancellation before expiry date (incl.VAT)                                                                             13,000 Tenge                      100$
        5.2.6. Payment                                                                                                           0.20%, min. 6,500 Tenge,      0.20%, min. USD50 max.
                                                                                                                                    max. 65,000 Tenge                  USD500
        5.2.7. Discrepant documents (for each discrepancy) (incl.VAT)                                                                  6,500 Tenge                     USD50
        5.2.8. Preparation and/or dispatch of the package of shipping documents (incl.VAT)                                             2,600 Tenge                     USD20
        5.2.9. Inquiries                                                                                                                            free of charge
        * Increase of L/C amount is regarded as L/C independent issue for accrue of fees.
        5.3. L/C reimbursement undertaking
        5.3.1. Issuance                                                                                                        upon agreement          min.    upon agreement, min.
                                                                                                                               65,000 Tenge                          USD500
        5.3.2. Technical issuance                                                                                               0.15%, min. 13,000 Tenge,   0.15%, min. USD100 max.
                                                                                                                                    max. 130,000 Tenge              USD1,000
        5.3.3. Amendment of terms (each amendment)**                                                                                   5,200 Tenge                    USD40
        5.3.4. Cancellation before expiry date (incl.VAT)                                                                              13,000 Tenge                  USD100
        5.3.5. Payment                                                                                                           0.25%, min. 6,500 Tenge,    0.25%, min. USD50 max.
                                                                                                                                    max. 65,000 Tenge                USD500
        5.4. Execution of reimbursement order                                                                                          6,500 Tenge                      USD50


        * Increase of L/C amount is regarded as L/C independent issue for accrue of fees.
        ** Increase of reimbursement undertaking is regarded as an independent issuance subject to charges.
        6. GUARANTEES
        6.1. Kazakhstan guarantees
        6.1.1. Issuance:
        Tender guarantees:
        - against pledge of money and deposit                                                                                  0.2% min. 5,000 Tenge, max.
                                                                                                                                      50,000 Tenge
        - against other property and unsecured                                                                                   0.2% min. 12,000 Tenge,
                                                                                                                                    max. 90,000 Tenge
        Other guarantees:
        - against pledge of money and deposit                                                                                    0.3% min. 16,000 Tenge,
                                                                                                                                    max. 100,000 Tenge
        - other property                                                                                                       0.3% min.24,000 Tenge, max.
                                                                                                                                      120,000 Tenge
        6.1.2. Risk fee
        - against pledge of money                                                                                                     free of charge
        - other guarantees                                                                                                           upon agreement
        6.1.3. Amendment of terms (each amendment)* (incl.VAT)                                                                         7,750 Tenge
        6.1.4. Cancellation before expiry date (incl.VAT):
        - if Principal provides original guarantee letter and Beneficiary provides formal letter on exemption of liabilities          free of charge




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        - If Principal does not provide original guarantee letter and Beneficiary does not provide formal letter on             31,000 Tenge
        exemption of liabilities
        6.2. Import Guarantees
        6.2.1. Issuance                                                                                                                     upon agreement
        6.2.2. Technical issuance                                                                                         0.2% min. 13,000 Tenge,          0.2% min. USD100
                                                                                                                             max. 169,000 Tenge              max.USD1,300
        6.2.3. Amendment of terms (each amendment) * (incl. VAT)                                                                5,200 Tenge                     USD40
        6.2.4. Cancellation before expiry date (incl.VAT)                                                                      13,000 Tenge                     USD100
        6.2.5. Checking of documents (incl. VAT)                                                                         0.15%, min. 13,000 Tenge, 0.15%, min. USD100, max.
                                                                                                                                max. 65,000                     USD500
        6.2.6. Payment                                                                                                  0.2%, min. 6,500 Tnge, max.     0.2%, min. USD50, max.
                                                                                                                               65,000 Tenge                     USD500
        6.2.7. Preparation and/or dispatch of the package of shipping documents (incl.VAT)                                      3,100 Tenge                     USD20
        6.2.8. Inquiries                                                                                                                     free of charge
        6.3. Export Guarantees
        6.3.1. Preadvising                                                                                                                     free of charge
        6.3.2. Advising (incl. VAT)                                                                                       0.1% min. 13,000 Tenge,          0.1% min.USD100, max.
                                                                                                                             max. 65,000 Tenge                      USD500
        6.3.3. Advising of amendments of terms before expiry date per package (incl.VAT)                                        6,500 Tenge                         USD50
        6.3.4. Cancellation before expiry date (incl.VAT)                                                                      26,000 Tenge                         USD200
        6.3.5. Checking of documents (incl. VAT)                                                                         0.15%, min. 13,000 Tenge,        0.2%, min. USD100, max.
                                                                                                                                max. 65,000                         USD500
        6.3.6. Preparation and/or dispatch of the package of shipping documents (incl.VAT)                                accord. to p. 17.3 + 5,200      accord. to p. 17.3 + USD40
                                                                                                                                    Tenge
        6.3.7. Inquiries                                                                                                                        free of charge
        * Increase of guarantee amount is regarded as guarantee independent issuance for accrue of fees.
        7. DOCUMENTARY / NET COLLECTIONS
        7.1. Import collections
                                                                                                                          0.15%, min. 3,900 Tenge,      0.15%, min. USD30, max.
        7.1.1. Presentation of documents against acceptance or payment                                                       max. 39,000 Tenge                  USD300
        7.1.2. Handling and/or transfer of shipping documents (incl. VAT)                                                       2,600 Tenge                      USD20
        7.1.3. Return of unpaid documents:
              - without protest (incl. VAT)                                                                                 2,600 Tenge + postals           USD20 + postals
                                                                                                                        6,500 Tenge + postals + legal    USD50 + postals + legal
              - with protest (incl. VAT)
                                                                                                                                    costs                         costs
        7.1.4. Advising of amendments of terms (each amendment) (incl. VAT)                                                     5,200 Tenge                        40$
        7.1.5. Payment                                                                                                  0.2%, min. 6,500 Tenge, max.     0.2%, min. USD50, max.
                                                                                                                                65,000 Tenge                    USD500
        7.2. Export collection
        7.2.1. Presentation of documents                                                                                0.2%, min. 3,900 Tenge, max.    0.25%, min. USD30, max.
                                                                                                                               39,000 Tenge                     USD300
        7.2.2. Advising of amendments of terms (incl. VAT)                                                                      6,500 Tenge                       USD50
        7.2.3. Handling and delivery of shipping documents (incl. VAT)                                                  as per p. 17.3 + 5,200 Tenge      as per p. 17.3 + USD40

        7.2.4. Inquiries                                                                                                                      free of charge
        8. CHEQUE OPERATIONS
        8.1. Purchase of traveller's cheques                                                                                                        2%
        8.2. Selling of traveller's cheques                                                                                                 1%, min. 465 Tenge
        8.3. Selling of commercial cheques                                                                                                  1%, min. 310 Tenge
        8.4. Acceptance of registered cheques for collection                                                                               775 Tenge per cheque
        8.5. Unpaid cheques return, accepted on collection                                                                                5,425 Tenge per cheque
                                                                                                                                                          without insurance
        9. OPERATIONS WITH CARDS                                                                                         with insurance deposit
                                                                                                                                                               deposit
        9.1. Issuance and servicing
        9.1.1. Issuance of principal cards (including VAT):
         - Smart Alem Card                                                                                                      1,000 Tenge                      1,000 Tenge
         - VISA Classic Domestic, domestic Cirrus/Maestro                                                                        700 Tenge                        700 Tenge
         - VISA Electron, international Cirrus/Maestro                                                                           700 Tenge                        700 Tenge
         - VISA Сlassic, MasterCard Standard                                                                                    6,200 Tenge                      12,400 Tenge
         - VISA Business, MasterCard Business                                                                                   15,500 Tenge                     31,000 Tenge
         - VISA Gold, MasterCard Gold                                                                                           23,300 Tenge                     46,600 Tenge
         - VISA Platinum, MasterCard Platinum                                                                                   54,300 Tenge                    108,600 Tenge
         - VISA Virtual, MasterCard Virtual                                                                                     1,600 Tenge                      3,200 Tenge
        9.1.2. Issuance of supplementary cards (including VAT):
         - VISA Classic Domestic, domestic Cirrus/Maestro, VISA Electron, International Cirrus/Maestro, VISA Classic,
        MasterCard Standard, VISA Business, /MasterCard Business, VISA Gold, MasterCard Gold, VISA Platinum,                              50% of of principal card
        MasterCard Platinum
        9.1.3. Card re-issuance (principal / supplementary) in case of loss, theft or damage:
         - SmartAlem Card                                                                                                                      1,000 Tenge
         - VISA Classic Domestic, domestic Cirrus/Maestro, VISA Electron, international Cirrus/Maestro, VISA Classic,
        MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard Gold, VISA Platinum,                                50% of principal card
        MasterCard Platinum
        9.1.4. Urgent cards issuance (within two banking days only for Almaty clients) (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,                             double tariff (min. 3,000 Tenge)
        MasterCard Gold, VISA Platinum, MasterCard Platinum, VISA Virtual, MasterCard Virtual
        9.1.5. Insurance deposits on principal cards :
         - SmartAlem Card, VISA Classic Domestic, VISA Electron, Cirrus/Maestro Domestic, Cirrus/Maestro
                                                                                                                                     No                              No
        International
         - VISA Сlassic, MasterCard Standard                                                                                75,000 Tenge (500$)                      No
         - VISA Business, MasterCard Business                                                                              150,000 Tenge (1,000$)                    No




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        - VISA Gold, MasterCard Gold                                                                                      300,000 Tenge (2,000$)                      No
        - VISA Platinum, MasterCard Platinum                                                                            7,500,000 Tenge (50,000$)                     No
        - VISA Virtual, MasterCard Virtual                                                                                  2,250 Tenge (15$)                         No
        9.1.6. Insurance deposits on supplementary cards:
        - VISA Classic, MasterCard Standard, VISA Business, MasterCard Business, VISA Gold, MasterCard Gold,
        VISA Platinum, MasterCard Platinum
        - individuals, direct relatives, two as maximum                                                                             No                                No
                                                                                                                        50% of insurance deposit on
        - Individuals, indirect relatives and legal entities                                                                                                          No
                                                                                                                               principal card
         - SmartAlem, VISA Classic Domestic, VISA , Cirrus/Maestro Domestic, Cirrus/Maestro International                           No                                No
        9.1.7.Insurance deposits for payroll projects on VISA Classic, EuroCard/MasterCard Standard at average salary
                                                                                                                                    No                                No
        level not less than USD500 and compulsory credit of card accounts
        9.2. Executed operations
        9.2.1. Crediting of card accounts (cash/cashless):
         9.2.1.1. Cash (in Kazakh Tenge and in foreign currency)                                                                                 No
         - recalculation of cash amounts crediting to account                                                                0.1% of the amount exceeding 1 million Tenge
         9.2.1.2. Cashless:
          - In USD                                                                                                                                 No
         - In national currency                                                                                                                    No
         - Payroll projects                                                                                                                 as per agreement
        9.2.2. Cash withdrawal by cards issued by JSC Bank TuranAlem:
        9.2.2.1. Through ATMs and cash dispensers of Bank TuranAlem:
         *by debit cards:
         - In national currency                                                                                                                   0.7%
         - In USD                                                                                                                                 0.7%
        ** by credit cards                                                                                                                        2.0%
         9.2.2.2. Through ATMs and cash dispensers of other banks throughout Kazakhstan
        * by debit cards                                                                                                                 0.7%, (min. 350 Tenge)
         ** by credit cards                                                                                                               2% (min. 465 Tenge)
        9.2.2.3. Through ATMs and cash dispensers of other banks outside Kazakhstan
        * By debit cards                                                                                                                 1.75% (min.465 Tenge)
         ** By credit cards                                                                                                               2% (min. 465 Tenge)
        9.2.3. Cash withdrawal by cards issued by other banks:
         - Through cash dispensers of JSC Bank TuranAlem (in Kazakh Tenge and in foreign currency)                                               2.0%
         - Through ATMs of JSC Bank TuranAlem                                                                                                Free of charge
        9.2.4. Servicing at trade and service units (incl.VAT):
         - throughout and outside Kazakhstan                                                                                                 free of charge
        9.2.5. Conversion operations                                                                                                   under Bank's current rates
        9.2.6. Transfers from card accounts to other banks:
         - in national currency                                                                                                         0.3%, min. 230 Tenge
         - in USD                                                                                                                 0.3% (min. USD50, max. USD100)
        9.2.7. Transfers from card account to branch for cash withdrawal in case of loss, theft or damage (hand
                                                                                                                                         1.5%, min. 155 Tenge
        processing)
        9.2.8. Cash withdrawal at branch in case of expiration                                                                    as per current cash withdrawal tariffs
        9.3. Other commissions
        9.3.1. Card account statements (incl.VAT):
        9.3.1.1. Monthly statement (up to 2 months)
         - SmartAlem Card, VISA Classic Domestic, Cirrus/Maestro Domestic, VISA Electron, Cirrus/Maestro
                                                                                                                                                50 Tenge
        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
        9.3.1.2. Archive statement (over 2 months)                                                                                            1,550 Tenge
               - Internet statement                                                                                                          Free of charge
        9.3.2. Monthly Interest accrued on:
        - card insurance deposit                                                                                                       at the on-call deposit rates
         - card account balance (in any currency)                                                                                                 0%
        9.3.3. Commission on operations' turnover performed by merchant (including VAT):                                                   as per agreement
        9.3.4. Servicing of other banks' merchants by Visa, MasterCard, Diners Club, JCB and SmartAlem Card
                                                                                                                                           as per agreement
        (including VAT)
        9.3.5. VISA Virtual, MasterCard Virtual:
        9.3.5.1. Electronic banking (Internet):
         - connection                                                                                                                        free of charge
         - monthly subscription                                                                                                                    No
        9.3.6. Review of balance on cards issued by JSC Bank TuranAlem in ATMs of other banks (incl.VAT):
        Bank's ATMs                                                                                                                       20 Tenge for review
        other banks ATMs                                                                                                                  50 Tenge for review
        9.3.7. Card to card transfer (issued by JSC Bank TuranAlem) (incl.VAT)                                                                 80 Tenge
        9.3.8. Review of mini-statement via ATM (only for JSC Bank TuranAlem clients) (incl.VAT)                                          50 Tenge for review
        10. FOREIGN CURRENCY CONVERSION
        10.1. Under bank's quotation:
        - day to day                                                                                                          0.15% of bank's quotation (min. 500 Tenge)
        - on the second day                                                                                                    0.1% of bank's quotation (min. 500 Tenge)
        10.2. Participation at stock exchange (including VAT)                                                                                   0.20%
        11. STATE SECURITIES OPERATIONS
        11.1. State securities operations                                                                                                   free of charge
        11.2. Central Depository services                                                                                           under Central Depositary tariffs
        11.3. KASE services                                                                                                               under KASE tariffs
        12. LOAN AND DEPOSIT OPERATIONS




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        12.1. Lending                                                                                                                           upon agreement
        12.2. Deposits                                                                                                                          upon agreement
        13. PRECIOUS METALS OPERATIONS
        13.1. Opening of metal account                                                                                                           free of charge
        13.1.1. Closing of metal account (incl.VAT)                                                                                              free of charge
        13.2. Statements of account (incl.VAT):                                                                                                  free of charge
        13.2.1. Second                                                                                                                             400 Tenge
        13.3. Maintainance                                                                                                                       free of charge
        13.4. Custody ( 1 month) (incl.VAT) of:
        - fine precious metals                                                                                                                      0.14%
        - production for technical purposes and precious metals samples                                                                              1.5%
        13.5. Delivery to foreign bank (without customs duty, including VAT):
        - placing to account                                                                                                                         0.4%
        - placing to account with following sale                                                                                                    0.42%
        14. MISCELLANEOUS
        14.1. Safe keeping (incl.VAT)
        14.1.1. One day                                                                                                          100 - 1,500 Tenge depending on cell's size
        14.1.2. One month                                                                                                          2,500 - 20,000 depending on cell's size
        14.1.3. Discount in case advance is made 1 year prior                                                                             10% of current base tariff
        14.1.4. Lock with two keys (purchase or loss) (incl. VAT)                                                                              15,500 Tenge
        14.1.5. Cell size 620mm*435mm*640mm
        one day                                                                                                                                  1,500 Tenge
        one month                                                                                                                                20,000 Tenge
        14.1.6.Cell size 620mm*435mm*525mm
        one day                                                                                                                                  1,200 Tenge
        one month                                                                                                                                15,000 Tenge
        14.2. Electronic servicing in Bank-Customer system (including VAT):
        14.2.1. Installation of ARM Bank-Customer *                                                                                            9,500 Tenge
        14.2.2. Subscriber's payment for АRM Bank-Customer (per month)                                                                         1,400 Tenge
        14.2.3. Authorized copies of payment documents for PC-modem communication usage                                                   35 Tenge per document
        14.3. USD detector checking (including VAT)                                                                                               1.0%
        14.4. Cheque book issue (including VAT):
        - 25 cheques                                                                                                                              560 Tenge
        14.5. Agricultural projects pledges expertise in the frame of World Bank loan (including VAT):
        14.5.1. Loan in amount of up to USD 100,000                                                                                              7,750 Tenge
        14.5.2. Loan in amount of USD 100,000 and up                                                                                             15,500 Tenge
        14.6. Evaluation and re-evaluation of property pledge under bad loans (expertise, including VAT)                                         5,000 Tenge
        14.7. Long and medium term credit projects expertise (including VAT):
        - from USD 0.3 mln. to USD 1mln.                                                                                                         77,500 Tenge
        - from USD 1 mln. to USD 2 mln.                                                                                                          93,000 Tenge
        - from USD 2 mln. to USD 3 mln.                                                                                                         108,500 Tenge
        - from USD 3 mln. to USD 4 mln.                                                                                                         124,000 Tenge
        - from USD 4 mln. to USD 5 mln.                                                                                                         139,500 Tenge
        - from USD 5 mln. and up                                                                                                                155,000 Tenge
        14.8. Servicing in electronic system BTA-online:
        14.8.1. Key carrier (per one user) (icl. VAT)                                                                                            6,200 Tenge
        14.8.2. Account maintenance                                                                                                              1,400 Tenge
        14.9. Transfer of employees salaries to deposit accounts                                                                                   up to 1%
        14.10. References to clients (on account, indebtedness, operations and others) (incl. VAT)                                                500 Tenge
        14.11. Account archive for 1 month (incl/ VAT)                                                                                            150 Tenge
        14.12. Account archeve on international transactions:
        14.12.1. Current year (incl. VAT)                                                                                                      1,500 Tenge
        14.12.2. Each previous year separately                                                                                             2,500 Tenge per year
        14.13. Deal passport:
        14.13.1. Arrangement (incl/ VAT)                                                                                                         1,500 Tenge
        14.13.2. Arrangement of additional sheets (incl/ VAT)                                                                                    1,500 Tenge
        14.13.3. Restoration of lost passports and additional sheets                                                                             1,500 Tenge
        15. FINANCIAL OPERATIONS/STRUCTURED TRANSACTIONS
        15.1. Structuring (incl. VAT)                                                                                              upon agreement, max. 1.5% - at a time
        15.2. Confirmation of instrument within credit line                                                                        upon agreement, max. 1.5% - at a time
        15.3. Financing by foreign bank (cash)                                                                                     upon agreement, max. 1.5% - at a time

        16. TELECOMMUNICATION (Incl.VAT)
        16.1. SWIFT (each message)                                                                                                3,100 Tenge                     USD20
        16.2. Telex (each message)                                                                                                3,100 Tenge                     USD20
        16.3. Courier                                                                                                                          at actual price
        16.4. Drafting of documents for registration in the National Bank of Kazakhstan and notary costs on international     3,100 Tenge + actual        USD20 + actual expenses
        transactions                                                                                                                expenses
        16.5. Legal expenses and/or notarization under TF instruments                                                            actual expenses               actual expenses
        17. BILL OF EXCHANGE OPERATIONS
        17.1. Avalization (bill of exchange guarantee)                                                                                          upon agreement
        17.2. Discount                                                                                                                          upon agreement
        17.3. Domicilization                                                                                                                    upon agreement

        17.4. Collection                                                                                                    0.25% of amount, min.4,650 Tenge, max. 46,500 Tenge

        17.5. Return of unpaid bills under collection (incl.VAT)                                                                  7,750 Tenge per package + actual postals
        17.6. Intermediary service of draft acceptance                                                                                       upon agreement
        17.7. Form                                                                                                                              1,500 Tenge
        17.8. Advisory services on issue procedures under international transactions (incl.VAT)                                  0.3% of amount (min., USD100, max. 1,500)
        17.9. Expertize of one bill (incl.VAT)                                                                                                 1,550 Tenge




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        17.10. Structuring of domicile bill transactions (incl.VAT)                                                                  0.05% of amount (min. 15,500 Tenge)
        17.11. Structuring of international bill transactions (incl.VAT)                                                        upon agreement (max. 1.5% of amount at a time)
        17.12. International payment                                                                                             0.25% of amount (min. USD50, max. USD500)
        17.13. Consulting (incl.VAT)                                                                                                           upon agreement
        18. CUSTODY
        18.1. Opening of account at custodian                                                                                                    free of charge
        18.2. Accounting and keeping
        18.2.1. State securities (state treasury obligations, Ministry of Finance and National Bank euronotes):
        18.2.1.1. In foreign currency:*
        *less than USD1 mln.                                                                                                                         0.012%
        * USD1,000,001-USD3 mln.                                                                                                                     0.011%
        * more than USD3 mln                                                                                                                         0.010%
        18.2.1.2. In national currency:
        * less than 150 mln. Tenge                                                                                                                  0.012%
        *150,000,001-300 mln.Tenge                                                                                                                  0.011%
        * more than 300 mln. Tenge                                                                                                                  0.010%
        18.2.1.3. Min. payment for accounting and keeping (if accrued comissions are less than 150 Tenge)                                          150 Tenge
        18.2.2. Corporate securities (shares, obligations, derivatives):
        18.2.2.1. In foreign currency*:
        *less than USD1 mln.                                                                                                                         0.015%
        * USD1,000,001-USD3 mln.                                                                                                                     0.012%
        * more than USD3 mln                                                                                                                         0.010%
        18.2.2.2. In national currency:
        * less than 150 mln. Tenge                                                                                                                  0.015%
        *150,000,001-300 mln. Tenge                                                                                                                 0.012%
        * more than 300 mln. Tenge                                                                                                                  0.010%
        18.2.1.3. Min. payment for accounting and keeping (if accrued comissions are less than 150 Tenge)                                          150 Tenge
        18.3. Accounting and keeping of money:
        18.3.1.foreign currency*:
        *less than USD1 mln.                                                                                                                         0.015%
        * more than USD3 mln                                                                                                                         0.010%
        18.3.2. In national currency:
        * less than 150 mln. Tenge                                                                                                                  0.015%
        * more than 300 mln. Tenge                                                                                                                  0.010%
        18.3.3. Min. payment for accounting and keeping (if accrued comissions are less than 150 Tenge)                                            150 Tenge
        18.4. Account closure                                                                                                                    free of charge
        18.5. Operations with securities
        18.5.1. Write-off of any securities from account (except for transfers inter custodian)                                            1,000 Tenge per operation
        18.5.2. Transfers of securities in accounts of foreign financial institutions*                                                       USD 30 per operation
        18.6. Operations of corporates
        18.6.1. Interests, dividends                                                                                                            upon agreement
        18.6.2. Conversion of securities, split and consolidation                                                                              upon agreement
        18.6.3. Voting upon power of attorney                                                                                                   upon agreement
        18.7. Reporting to customers
        18.7.1. Monthly custodian account statement                                                                                             free of charge
        18.7.2. Custodian account statement upon demand                                                                                          1,000 Tenge
        18.7.3. Report on accounts transfers upon demand                                                                                         1,500 Tenge
        18.8. Consulting                                                                                                                       upon agreement
        18.9. Operations on money accounts                                                                                                     tariff of the Bank
        18.10. Collateral operations                                                                                          1,500 Tenge per operation from collateral holder and
        18.10.1. Acceptance of securities as collateral
        18.11. Services of organizations to custodian fulfilling customer's orders
        18.11.1. Central Depository of the National Bank of RK                                                                                        actual
        18.11.2. Brokers                                                                                                                              actual
        18.11.3. Registrator                                                                                                                          actual
        18.11.4. Conversion agents and international depositories                                                                                     actual
        18.11.5. Cash expensese                                                                                                      actual+daily allowances, when needed
        * payment can be made in local or foreign currency

        Settlements on state securities are based on average monthly balance of the NBRK in customer account with the custodian upon nominal value and are accrued monthly

        Settlements on corporate securities are based on average monthly balance of the NBRK in customer account with the custodian upon market value (in case of disability to
        determine upon nominal value) and are accrued monthly
        In case of market conditions changes JSC Bank TuranAlem has the right to amend tariffs with notification to the customer 15 days prior to their implementation

        Payment for cutodiam services not stipulated herein will be negotiated with customer in each separate case.
        19. CUSTODIAN SERVICES TO INVESTMENT FUNDS
        19.1. Account opening                                                                                                                    free of charge
        19.2. Account closure                                                                                                                    free of charge
        19.3. Assets accounting (financial instruments, money and (or) other property**)
                                                                                                                          0.040% of monthly average balance in account upon actual
        up to 500 mln Tenge
                                                                                                                          price*
                                                                                                                          0.035% of monthly average balance in account upon actual
        500 to 1,000 mln Tenge
                                                                                                                          price*
                                                                                                                          0.030% of monthly average balance in account upon actual
        more than 1,000 mln. Tenge
                                                                                                                          price*
        19.4. Operations with assets:
        19.4.1. Per transaction (credit/debit of financial instruments and other property at purchase/sell; REPO/back
                                                                                                                                                   500 Tenge
        REPO) in custodian accounts
        19.5. Operations of corporates:
        19.5.1. Conversion of securities, split and consolidation                                                                                free of charge




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        19.5.2. Credit/debit of securities in custodian accounts at charge operation                                                          free of charge
        19.6. Services of organizations to custodian fulfilling customer's orders
        19.6.1. Central Depository of the National Bank of RK                                                                                     actual
        19.6.2. Brokers                                                                                                                           actual
        19.6.3. Bank-custodians, international nominal holders                                                                                    actual
        19.6.4. Safekeeping of right-ascertained documents on other property                                                        according to current Bank's tariffs
        19.7. Securities account statements:
        19.7.1. Planned (according to custodian agreement)                                                                                   free of charge
        19.7.2. Not planned (upon demand)                                                                                                      200 Tenge
        19.8. Consulting (incl. VAT)                                                                                                        upon agreement
        19.9. Operations of corporates (incl. VAT):
        19.9.1. Voting upon power of attorney                                                                                               upon agreement
        *1) Actual market price is determined according to the Methodology of securities appraisal set by JSC Kazakhstan Stock exchange

        2) In case of disability to determine market price acc. to p. 1 purchase cost of the financial instruments to be applied.

        ** Cost of other property is determined in accordance with the current legislation




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