First Heartland Jýsan Bank

Partial withdrawal
Addition to the deposit at any time
Guarantee up to ₸ 10,000,000

Deposit conditions

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Deposit amount

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Deposit amount

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your savings amount

The monthly installment is an indicative estimate and may differ from one calculated as of the date of a consultation /actual loan disbursement.

Details of the product

Minimum amount required to open a deposit:	10 000 Tenge/ 50 US dollars / 50 Eur/ 2 000 Russian rubles
Maximum deposit amount	up to 25% of the Bank's equity
Deposit period	12, 24 months
Addition to the deposit	Allowed (whether in a cash or cashless way), subject to the maximum deposit amount
Interests	At the Depositor's discretion: A monthly payment to the current account using a payment card, less income tax, if the income tax assessment is required by the tax legislation of the RoK. If the said current account associated with the payment card is in a currency other than the deposit one, interests on the deposit shall be paid at the exchange rate established by the Bank as of the date of such transaction. Monthly capitalization, less income tax, if the income tax assessment is required by the tax legislation of the RoK.
Partial withdrawal	Unlimited, to the extent of the minimum balance required to retain the interests accrued. If the said current account associated with the payment card is in a currency other than the deposit one, a partial repayment of the deposit shall be made using the exchange rate established by the Bank as of the date of such transaction.
Prolongation:	Tacit prolongation, but not more than once for the same period and at the interest rates that are in effect as of the prolongation date. Unless the Client claims the deposit amount and accrued interests upon expiration of the two (2) deposit periods, the deposit amount and interests accrued shall be transmitted to the current account using a payment card. If the said current account associated with the payment card is in a currency other than the deposit one, the deposit shall be repaid using the exchange rate established by the Bank as of the date of such transaction.
Advantages:	Universal conditions of deposit replenishment and partial withdrawal.
Additional terms and conditions	availability of the current account associated with a payment card; a deposit may be opened /managed / closed at the Bank's branches or through remote service facilities of the Bank.

Early termination

Deposit period	Termination conditions
12 months	up to 6 months — no interests will be payable, above 6 months — for the actual deposit period at the rate specified by the Bank Deposit Agreement/Integrated Service Agreement with an Individual
24 months	up to 12 months — no interests will be payable, above 12 months — for the actual deposit period at the rate specified by the Bank Deposit Agreement/Integrated Service Agreement with an Individual

Interest rates

Period, months	% (p.a.)				% (effective)*
Period, months	KZT	USD	EUR	RUB	KZT	USD	EUR	RUB
12	8,6	0.9	0.1	1.0	up to 8,9	up to 1.0	up to 0.1	up to 1.0
24	8	0.9	0.1	1.0	up to 8,3	up to 1.0	up to 0.1	up to 1.0

The rates shall be effective from 01.08.2020. The rates are approved by the Management Board (Minutes #101-20 dated 24.07.2020). For persons having special relations with Jýsan Bank JSC, the rates are approved by the Board of Directors of Jýsan Bank JSC (Minutes #30/07/20-01 dated 30.07.2020).
* The annual effective interest rate may vary depending on the actual parameters under the signed Fixed-Term Bank Deposit Agreement.

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Consultation

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