Settlement and cash transactions

1.1. Account opening AZN USD / EUR / GBP / RUB* **	Free 10 AZN
1.2. Account opening (for deposit)	Free

*Currency accounts are opened free of charge for users connected to the Internet / Mobile Banking

**Currency accounts are opened free of charge for consumer loans

2.1. Issuance of non-cash funds to the account or cash deposits to the account from the cash desk of another branch AZN USD/GBP/RUB EUR	0.5% 0.6% min. 5 USD 0.6% min. 5 EUR
2.2. Cash withdrawal of funds transferred to the account from the cash desk of the branch where the account was opened within 1 year from the date of receipt** *Service fee for cashing after 1 year from the date of receipt of funds in the account 2.1. is held in accordance with paragraph	Free
2.3. Cash receipts to the account in Russian rubles	3%
2.4. Deposit amount and interest accrued on it *Service fee for cashing non-cash funds deposited in the savings account Detained in accordance with paragraph 2.1	Free

3. Cashless exchange transactions

0,3%

4.1. Intrabank transfers	Free
4.2. Domestic transfers (manat)	0,12% min. 0.50 AZN maks. 95 AZN
4.3. Internal emergency transfers (in manats)	Tarif + 0.05 %
4.4. Transfers in foreign and national currencies USD EUR GBP other currencies Transfer of funds for the purchase of a vehicle (or related transportation costs). USD EUR GBP other currencies	CIS countries: 0.3% min. 30 USD max. 400 USD, for other countries: 0.3% min. 60 USD max. 400 USD, 0.3% min. 30 EUR max. 400 EUR 0.3% min. 30 GBP max. 300 GBP 0.3% min. 30 USD max. 400 USD 0.3% min. 60 USD max. 400 USD 0.3% min. 60 EUR max. 400 EUR 0.3% min. 60 GBP max. 400 GBP 0.3% min. 60 USD max. 400 USD
4.5. Change, investigation or cancellation of the details of the transfer AZN USD/EUR/GBP/other curriencies	20 AZN 30 USD + related costs *

*Note:

1. Additional costs incurred by intermediary banks during transfers and receipts are borne by the client.

2. In international multi-currency settlements, the risk of exchange rate differences lies with the client.

6.2.1. Size 17 sm x 27 sm x 44 sm	monthly 40 AZN/ yearly 400 AZN
6.2.2. Size 30 sm x 27 sm x 44 sm	monthly 50 AZN/ yearly 500 AZN

7.1. Issuance of a savings book	Free
7.2. Reissuance of the savings book	10 AZN

8.1. Loan registration is free	Free
8.2. Cash disbursement under the loan agreement	1 %
8.3. Estimated expenses on pawn loans	10 AZN
8.4. When applying for consumer and micro loans, the service fee (excluding Partner loans) to check the existing obligations of customers in the Central Credit Registry (CCR) in the event of a loan	1 AZN
8.5. Service fee for obtaining customer information from the e-Government Portal (e-gov.az) if a loan is issued, if a certificate of employment and / or salary statement is not provided	2 AZN
8.6. Registration of loans for the purchase of subsidized agricultural machinery financed through the Agrarian Credit and Development Agency	1.0%

For customers who have a deposit for a period of 1 month or more on the date of submission of the certificate or statement	Free
For Gold and Platinum plastic card holders with credit limit or debit balance not less than 5000 AZN / USD / EUR	Free
For MC Black and Visa İnfinite card holders	Free
Bank approval of the statement printed via Internet / Mobile Banking	Free
For all other customers	10 AZN

2 AZN

Issuance of a certificate of debt	20 AZN
Re-issuance of previously submitted pledge (mortgage encumbrance) letters	30 AZN
Change of the subject of the mortgage, change of the owner of the subject of the mortgage, as well as issuance of all types of letters of consent related to the subject of the mortgage (except for registration of the owner's family members - spouses, parents and children in the bank)	30 AZN
Issuance of a letter of consent for the registration of residential property (spouse, parents and children) other than the owner of the property, mortgaged in favor of the bank	10 AZN
Change of ownership in case of death of the owner of the mortgaged property in favor of the bank	Pulsuz

Note: Letters of reference and consent can be issued only on the basis of a formal application of the client or the client's heirs.

10.1. Connection to Internet / Mobile banking service

Free

10.2. SMS Notification:

- AZN

- USD/EUR

- GBP/RUB

monthly 1 AZN/ yearly 10 AZN

monthly 1 USD/EUR/ yearly 10 USD/EUR

monthly 1 USD/ yearly 10 USD