Deposits

1. The interest rate is fıxed for the entire term of the deposit.

2. The Bank Deposit Agreement can be automatically prolonged, taking into account capitalization. Automatic prolongation is carried out for a similar term, at the interest rate established by the Bank's tariffs for this type of deposit on the day of prolongation, unlimited number of times.

3. SB "Kazakhstan-Ziraat International Bank" JSC is a member of the mandatory deposit guarantee system. The savings are insured by the Kazakhstan Deposit Guarantee Fund.

4.The interest rate is valid from April 7, 2025 in accordance with the approved decision of the Bank's Management Bord No.18/2025 dated 03.04.2024.

The maximum amount of the guarantee is:

• 20 million tenge for savings deposits (deposits) in national currency;

• 10 million tenge on cards, accounts and other deposits in national currency;

• 5 million tenge on cards, accounts and deposits in foreign currency (in equivalent at the exchange rate established on the date of revocation of the license of the participating bank).

If several deposits of different types and currencies are placed in one participating bank, the cumulative balance of the amount for all deposits is guaranteed, but not more than the maximum amount of guaranteed compensation - 20 million tenge, taking into account the limits for each type of deposit.

Term Deposit

Term deposit
Term	3 months	6 months	12 months	Minimum deposit amount	Minimum amount of additional deposit
KZT	13.2%	15.8%	13.5%	50,000	50,000
AEIR KZT (from 13.5% to 16.4%)	13.9%	16.4%	13.5%
USD	0.2%	0.5%	1.0%	100	100
AEIR USD (from 0.2% to 1.0%)	0.2%	0.5%	1.0%
EUR	0.2%	0.3%	1.0%	100	100
AEIR EUR (from 0.2% to 1.0%)	0.2%	0.3%	1.0%

AEIR - Annual Effective Interest Rate - +/- 0.1% possible deviations.

Special conditions:

Partial withdrawals are not possible. Replenishment is availeble.

The accrued remuneration is paid at the end of the term. Automatic prolongation of the Deposit Agreement, taking into account capitalization.

In case of early termination of the deposit agreement, the remuneration is paid in the amount of 50% of the amount of remuneration that was accrued before the withdrawal of money.

The deposit is paid out 7 days after the application is submitted. The return of deposits or part thereof is carried out no later than 7 (seven) calendar days from the date of receipt of the Depositor's claim.

The maximum amount of the guarantee is: 10 million tenge in national currency; 5 million tenge in foreign currency (in equivalent at the exchange rate established on the date of revocation

of the license of the participating bank).

Rolled Deposit with Monthly Capitalization

Rolled Deposit with Monthly Capitalization
Term	1 month	3 months	6 months	12 months	Minimum deposit amount	Minimum amount of additional deposit
KZT	9.0%	10.0%	11.0%	14.4%	5 000	5000
AEIR KZT (from 9.4% to 15.5%)	9.4%	10.5%	11.6%	15.5%
USD	0.1%	0.2%	0.5%	1.0%	100	10
AEIR USD (from 0.1% to 1.0%)	0.1%	0.2%	0.5%	1.0%
EUR	0.1%	0.1%	0.2%	1.0%	100	10
AEIR EUR (from 0.1% to 1.0%)	0.1%	0.1%	0.2%	1.0%

AEIR - Annual Effective Interest Rate - +/- 0.1% possible deviations.

Special conditions:

Accrued interest is capitalised monthly and paid at the end of the term. Automatic prolongation of the Deposit Agreement subject to capitalisation.

In case of early termination of the contract, accrued interest will be calculated based on the actual term of funds placement.

Partial withdrawals are possible, if the deposit balance is not less than the minimum deposit amount. The return of deposits or part thereof is carried out no later than 7 (seven) calendar days from the date of receipt of the Depositor's claim.

The maximum amount of the guarantee is: 10 million tenge in national currency; 5 million tenge in foreign currency (in equivalent at the exchange rate established on the date of revocation of the license of the participating bank).

Savings Deposit

Savings Deposit
Term	3 months	6 months	12 months	24 months	36 months	Minimum deposit amount	Minimum amount of additional deposit
KZT	16.0%	17.7%	16.5%	12.3%	5.9%	400,000	Not available
AEIR KZT (from 6.3% to 18.5%)	17.0%	18.5%	16.5%	13.1%	6.3%
USD	0.3%	0.5%	1.0%	1.0%	1.0%	1,000	Not available
AEIR USD (from 0.3% to 1.0%)	0.3%	0.5%	1.0%	1.0%	1.0%
EUR	0.1%	0.3%	0.8%	1.0%	1.0%	1,000	Not available
AEIR EUR (from 0.1% to 1.0%)	0.1%	0.3%	0.8%	1.0%	1.0%

AEIR - Annual Effective Interest Rate - +/- 0.1% possible deviations.

Special conditions:

Partial withdrawals and additional contributions are not provided.

Accrued interest is paid at the end of the term. Automatic prolongation of the Deposit Agreement subject to capitalisation.

In case of early termination of the deposit agreement, 0.1% of the amount of the accrued interest is paid, the deposit is paid out no earlier than 30 (thirty) calendar days from the date of receipt of the Depositor's claim.

The maximum amount of the guarantee is: 20 million tenge in national currency; 5 million tenge in foreign currency (in equivalent at the exchange rate established on the date of revocation of the license of the participating bank).