Deposit "NAKOPITELNYI"

Deposit "Nakopitelnyi" convenient for depositors who want to accumulate and multiply savings.

Basic conditions of the deposit:

Minimum deposit amount is 5,000 KGS/RUB or 100 USD/EUR.

Top-up deposit without restrictions (except for 2 months before the end of the deposit period);
Opening a deposit account is possible with or without capitalization*;
Partial withdrawal is not provided;
Early termination:

- before expiration of the first 3 (three) months of the deposit term - interest on the deposit is recalculated and paid at the demand deposit rate set by the Bank**;

- after expiration of the first 3 (three) months of the deposit term – previously accrued interest on the deposit is recalculated and paid at the rate depending on the actual time of the deposit in the amount specified in the agreement;

Automatic renewal of deposit is provided***.

Interest rates****:

1. without capitalization of interest (monthly payment of interest):

Currency	Terms of placement
Currency	6 months	9 months	12 months	18 months	24 months	36 months
KGS	7,0%	9,0%	12,0%	12,5%	13,0%	14,0%
USD	0,0%	0,0%	1,5%		1,5%
EUR	0,5%	0,5%	0,5%		1,0%
RUB	0,0%	0,0%	6,0%		6,0%

Effective interest rate in soms up to 14,9%, in US-Dollars up to 1,5%, in euro up to 1%, in rubles up to 6,2%

2. taking into account the capitalization of interest (payment of interest at the end of the term):

Currency	Terms of placement
Currency	6 months	9 months	12 months	18 months	24 months	36 months
KGS	6,0%	7,0%	11,00%	11,5%	12,0%	12,5%
USD	0,0%	0,0%	1,0%		1,0%
EUR	0,5%	0,5%	0,5%		1,0%
RUB	0,0%	5,0%	5,5%		5,5%