8/10/2019 Agreement Kicb 161014

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I l

Zr A N D C R E D I T H AN K

S C H E D U L E O F T A R I F F S 1 F O R V IS A C A R D S F O R P A Y R O L L P R O J E C T S( E f f e c t i v e f r o m M a y 1. 2 0 1 4 )

A nn ex 1to Agreement

Transact ion/service Card type

Visa Electron (KCS) | (USD)

Visa Classic (KGS) i (USD)

Visa Gold (KGS) | (USD)

1 . Issuance of pr imary Visa card 2i . i . Issuance of pr imary Visa card with s tandard des ign1

l . i . i . Issuance of card with s mart chip(Takes approx imate ly 5 bus iness days) Free of charge Free of charge Free o f charge

1.1.2. Fee for urgent issuance/reissuance (including annual cardma inten anc e for the Is' year)(Takes approximately 2 business days, available only in

Bishkek)

50 0 10 1500 30 2500 50

1.1.3. Annual c ard ma int ena nce fee for the 1st year Free of charge 400 8 2500 50

1.1.4. Annual card maintenance fee for the 2"J and the following

yearsFree of charge

60 0 12 2500 50

1.1.5. Min imum Balance(The minimum balance is blocked on the card account at thefirst receipt on the card account. The amount is available aftercard expiration or account closure. Minimum balance alsoapplies to the supplementary card)

0 0 2500 50 5000 100

1.1.6. Fee for primary card renewal Free of charge Free of charge Free of charge

1.1.7. Reissuance of primar y card in case of lost/stolen/blocked ordamaged card

250 5 600 12 2500 50

1.2. Issuance of a primar y Visa card with individual design ( taxes approximate ly 15 business days)

1.2.1. Issuance of card with indiv idual design(When order ing ca rds w i th ind iv idua l des ign min imum bal an ce ap pl ie s and annua l m a in ten ance fe e fo r th e 2 nd a ndsubsequent years, as the cards with the standard design,according to the tariffs . Fee for the annual maintenance forthe 1st year do es no t appl y)

500 10 1000 20 Not applicable

1.2.2. Fee for primary card renewal with individual design Free o f charge Free o f charge Not applicable1 .2 .3 . R e i ss u a nc e o f p r i m a r y c a rd w i th i n di v id u al d es i gn i n c a se o f

los t / s to len /b locked o r damage d ca rd 50 0 10 1000 20 Not applicable

2 In K IC B and Friend ly N e tw o rk 3

2. 1. C as h w it hd ra w al fe e in AT M s an d PO S -t er mi na ls (M a x c as hwi thdrawal l imi t KGS 15000 or USD 350) Free o f charge Free o f charge Free o f charge

2 .2 . C as h w i th d ra w al f ee fo r t e ch n ic a l o r a ll ow ed o ve rd ra ft Free o f Charge Free o f Charge Free o f Charge

2. 3. A ca rd -t o- ca rd m o n ey t ra ns fe r ( C A R D EX 4 sy st em ) Free of charge Free o f charge Free o f charge

2.4. Payments fo r goods and se rv ices Free of charge Free o f charge Free o f charge

2.5. Card account s ta tements

2.5.1. Balance inquiry Free o f charge Free of charge Free o f charge2.5.2. M in i-statem ent Free o f charge Free o f charge Free o f charge

2.5.3. SMS-notification(monthly service fee)

60 1.5 60 1,5 Free o f charge

2.5.4. E-mail - notification Free of charge Free of charge Free of charge

2.5 .5 . Fee for utilities (in F rie nd ly ne tw ork only) 5 I 0,1

3. In other banksnetwork

3.1. Cash withdrawal fee in ATMs and POS-terminals 1%(min 150

som)

1%(min 3doll)

1%(min 150

som)

1%(min 3doll)

1%(min 150

som)

1%(min 3doll)

1 By standard design it is meant in this Agreem ent the design approv ed by the U1DC Project Agreem ent signed on the 3rd of Septembe r 2014 bythe Bank and the Organization

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J .Cash withdrawal lee for technical or allowed overdraft 1%

(min 150som)

1%(min 3 doll)

1%(min 150

som)

1%(min 3 doll)

1%(min 150

som)

1%(min 3doll)

A card-to-card m oney transfer (if CA RD EX is available)15 0, 3 15 0,3 15 0,3

Payments for goods and servicesFree o f charge Free o f charge Free o f charge

Fee for tilities t K G S 5 USD 0 .1

t e c .Card account s ta tements

Balance inquiry 4 0 1 4 0 1 4 0 1

X T '

Mini-statement 4 0 1 4 0 1 40 1

Card i ssued by o ther banks in KiCB network

ln K I C B AT M sFree o f charge Free o f charge Free o f charge

"T2T~~ IN KICB POS terminals Free o f charge Free of charge Free of charge

5. Card b lock ing

5.1. Temporary blocking Free o f charge Free o f charge Free o f charge

5.2. Adding card to stop list(Card will be permanently blocked and must be re-issued at the standard charg e)

Free o f charge Free o f charge Free o f charge

5.3. Card unblocking Free o f charge Free o f charge Free of charge

6. Other fees KG S USD

6.1. Fee for return of card, captured by other banks ATM (Card shall be returned after planned cash collection of

ATM, max. in 60 (sixty) day period)150 3

6.2. Fee for urgent return of card, captured by KICB AT M in Bishkek, in 1 day period

500 10

6.3. Fee for considering customer claim/dispute on transaction made in KICB and Friendly network (Standard term of considering is 30 days)

10 0 2

6.4. Fee for considering customer claim/dispute on transactionmade in other banks network

(S tan d a rd t e rm o f co n s id e r in g i s 3 0 d ay s ) .

2 5 0 5

6. 5 Fee for return of captured card from KICB A TM (not later than 5 business days)5

10 0 2

6 .6 Fee for return o f captured mo ne y from K ICB A TM (not later than 5 business days) 100 2

6.7. Fee for providing photo report from KICB ATM (no later than 10 business days) 100 2

6.8. Fee for provid ing photo report from KICB ATM for customers o f other banks (no more than 10 business days) 500 10

1. All bank fees include the sales tax of 2%.2. For additional cards issued to the main cards within the payroll project the tariffs for individuals are applied.3 .This fee a lso applies to netwo rks o f banks that are members of Friendly network o f Visa, As o f 01 .05 .20 14 the Friendly network Visa comprises the

follo win g banks: CJSC KICB , O.ISC Bank -Bakai, OJSC Aiyl bank, CISC Bank o f Asia , OJSC OJSC FinanceCredit Bank, CJSC Bank Bai-Tushum %

4.CAR DEX is a card-to-card money transfer system.5. Since an application for dispute transaction is submitted,,, *

/

On b ehalf o f the Bank

&&/$/& -W' Ife

On behalf of

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S ta ntl a re! s pe nd in g (dai ly) l i mi ts 1:

; Day limitsSingle transaction

limit

f

$

;

ATM Manual Cash* E-commerce2^ Purchase

Money t ransfer and utility payments

A m o u n t N u m b e r

o f opera t ions

A m o u n t N u m b e r

o f operations

A m o u n t N u m b e r

o f operations

A m o u n t N u m b e r

o f operations

A m o u n t

"VSA ~glectron in

{ KGS80 000 10 80 000 5 100 000 5 100 000 10 50 000

" ' 'VISA jElectron in

U SD

1 5 00 10 1 50 0 5 2 000 5 2 000 10 -

v f S A

Classic in KGS

120 000 10 200 000 5 200 000 5 200 000 10 50 000

VISA

Classic in USD

2 500 10 4 000 5 4 000 5 4 000 10 -

VISA Gold in

KGS200 000 20 9 99 999 5 500 000 5 999 999 10 50 000

VISA Gold in

U SD4 000 20 20 000 5 10 000 5 20 000 10 -

1.Daily l imits for cards V isa Electron . Visa Classic may be extended upon written request o f the custom er to the level of card Visa Gold 2 .Remote payment fo r goods and se rv ices inc ludes the types o f payments tha t do no t requ i re the phys ica l p resence o f the ca rd fo r

paym en t, i.e. re se rvat io n se rv ic es in ho te l com ple xes by fa x, th e p ay m en t by p hone or by ma il (M O T O : ma il o rd er /t e le pho ne or de r) ,etc.

3.The option of online transactio n or rem ote pay ment is closed on all cards by default . To open this option , it is necessary to fi ll out anapplication.

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