Customer's bank account: opening, maintenance and closing

I. Basic tariff rates approved according to the Minutes of the Board of Directors No 12.1 dated 06.12.2013 Tariff rates of Kazkommertsbank JSC for services rendered to legal entities, branches and representative offices of legal entities as well as to farms, individual entrepreneurs, notaries and advocates, and private legal executives Customer's bank account: opening, maintenance and closing Opening of a bank account: (a customer pays for opening of one account only; additional accounts are opened free of charge subject to submission of required documents) 1 For legal entities: - in Almaty branch - in other branches of Kazkommertsbank JSC KZT 5,500 KZT 3,500 2 For farms and individual entrepreneurs, notaries and advocates, and private legal executives: - in Almaty branch - in other branches of Kazkommertsbank JSC KZT 3,500 KZT 2,500 3 Opening of a deposit account 4 Opening of a current account for customers who signed a Contract for participation in the Acquiring Network of the Bank 5 Opening of a temporary saving account for the Charter Fund 6 Opening of an escrow account Maintenance of a bank account KZT 1,000 monthly for each account if there are any account transactions 7 Maintenance of a sub-account 8 9 9.1. Maintenance of an escrow account Banking account records: Compulsory account statements 0.,5%, min. KZT 5,000, max. KZT 12,000 upon availability of debit turnovers on escrow-account 9.2. 9.3. Account statements and/or its' appendixes sealed and signed by account manager upon customer's request including bankruptcy receivers Account statements in МТ940/МТ950 in SWIFT format KZT 50 per 1 sheet KZT 5,000.00 per month for each account (if account statement was provided to a customer during the month) 10 11 12 13 Banking servicing statement to be provided upon customer's request, including bankruptcy receivers: - account statement KZT 700 -other statements: on the same day if feasible KZT 1,500, per each additional copy - KZT 200 the next day KZT 1,000, per each additional copy - KZT 200 Issue of duplicates of financial and Charter documents (excluding VAT): KZT 50 per 1 sheet Closing of an account upon customer's request (including closing of a sub-account): Account maintenance under foreign exchange control procedures (the tariff rate is charged in addition to a standard commission fee for account maintenance for each contract, alteration/addition/duplicate/request, document): Upon acceptance, and contract review: with assignment of a contract identification number with assignment of a contract identification number on the same day subject to the technical feasibility with assignment of a contract identification number during non-operation hours KZT 2,000 (per each account), if the balance is less than KZT 2,000 KZT 5,000 KZT 7,000 KZT 10,000

No with assignment of a contract identification number received in electronic format from customers of the OnlineBank KZT 4,000 14 system For contract withdrawn previously from accounting registration KZT 5,000 15 Acceptance, review of supplements and amendments to contract subject to assignment of a contract identification number KZT 1,000 16 Execution of a duplicate of contract subject to assignment of a contract identification number KZT 1,000 17 Acceptance and review of a contract in foreign currency (without accounting registration, in excess of USD 10,000) KZT 1,500 18 Deregistration of a contract KZT 1,500 19 Deregistration of a contract in case of change of servicing bank KZT 5,000 Foreign exchange control consultations for registered contracts: 20 Foreign exchange control consultations, assignment of contract identification numbers, deregistration of contracts upon the customer's request (excluding VAT) KZT 2,000 21 Consultations for set of applications for assignment of an identification number to a contract (excluding VAT) KZT 1,000 22 Issue of duplicates of foreign exchange control documents (per one sheet) (excluding VAT) KZT 200 23 Written notification of a customer with respect to foreign exchange control (excluding VAT) KZT 500 24 Letter of reply to a customer's written request with respect to foreign exchange control (excluding VAT) KZT 1,000 25 Letter of reply to a customer's written request with respect to foreign exchange control on the same day given the bank's technical feasibility (excluding VAT) KZT 2,000 26 Letter of reply to a customer's written request with respect to foreign exchange control for closed transaction passports, foreign currency contracts and deregistered contracts (excluding VAT) KZT 4,000 II. Remittance Remittance by electronic customers 27 Intrabank External remittance 28 29 «External transfers in KZT» Acceptance of payment orders with a current value date: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive 0.18%, min. KZT 220, max. KZT 430 30 - amount of up to KZT 5 million (express) 0.18%, min. KZT 470 max. KZT 950 - amount in excess of KZT 5 million 0.18%, min.470, max.950 from 13-00 to 17-45 of Almaty time: - in any amount 0.18%, min.470, max.950 Acceptance of payment orders with a future value date with the payment execution: on the second banking day - amount of up to KZT 5 million inclusive - amount of more than KZT 5 million on the third banking date - amount of up to KZT 5 million inclusive - amount in excess of KZT 5 million 0.18%, min KZT 150, max. KZT 285 KZT 370 0.18%, min KZT 150, max. KZT 240 KZT 335

31 32 33 - in RUB for payments with "the same-day" value date (if possible by the Bank) 0.25% min.rub 750, max.rub 10,000 - in KGS, TJS 0.25%, min.$15, max.$300 - other currencies (excludingt EUR,USD,RUB, KGS, TJS) 0.3%, min.$40, max.$500 34 - guaranteed payment for non-residents in USD, EUR at the cost of the remitter for remittances under issued loans to accounts held with foreign banks or in favor of third parties $500 35 36 - in USD, EUR Remittances by legal entities - non-electronic customers 37 Intrabank: KZT 250 38 39 Acceptance of payment orders in favor of pension funds and social contributions with a current value date: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive 0.18%, min KZT 200 max. KZT 400 - amount of up to KZT 5 million (express) 0.18%, min KZT 450, max. KZT 885 - amount in excess of KZT 5 million 0.18%, min KZT 450, max. KZT 885 from 13-00 to 17-45 of Almaty time: - in any amount 0.18%, min KZT 450, max. KZT 885 External remittance in foreign currency: at the cost of the remitter (OUR-remittance will be received by the beneficiary bank in full) - in USD 0.3%, min.$120, max.$800 - in EUR 0.3%, min. 95, max. 380 - in RUB (with a future value date) with partial payment by the beneficiary (SHA-remittance will be received by the beneficiary bank less the intermediary banks' fees): KZT 750 0.2% min.rub 460,max RUB 9,200 - in USD 0.2%, min.$25, max.$400 - in EUR 0.2%, min. 20, max. 300 - other currencies (excluding USD, EUR, RUB*) 0.2%, min.$40, max.$500 * - remittances in RUB are subject to OUR fee only Remittance in favor of customers of bank's subsidiaries and it's loro banks with a fee at the remitter's cost (OURremittance will be received by the beneficiary bank in full): - in KZT Intrabank remittances to card accounts Intrabank remittances for payment of bank services and in favor of the bank External remittances «External remittances in KZT» Acceptance of payment orders: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive 0.15% min KZT300, max. KZT 800 $30

40 41 42 KZT 1,000 - in RUB for payments with "the same-day" value date (if feasible) 0.25% min.rub 750, max.rub 10,700 - in KGS, TJS 0.25%, min.$15, max.$350 - other currencies (excluding EUR,USD,RUB, KGS, TJS) 0.3%, min.$75, max.$500 43 - guaranteed payment in USD, EUR at the cost of the remitter for non-residents for remittances of issued loans to the accounts in foreign banks or to third parties $500 44 45 - amount of up to KZT 5 million (express) - amount in excess of KZT 5 million from 13-00 to 17-45 of Almaty time: - in any amount Acceptance of payment orders in favor of pension funds and social contributions with a current value date: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive 0.25%, min.kzt 900, max.kzt 1,500 0.25%, min.kzt 900, max.kzt 1,500 0.25%, min.kzt 900, max.kzt 1,500 - amount of up to KZT 5 million (express) 0.25%, min.kzt 900, max.kzt 1,100 - amount in excess of KZT 5 million from 13-00 to 17-45 of Almaty time: 0.25%, min.kzt 900, max.kzt 1,100 - in any amount 0.25%, min.kzt 900, max.kzt 1,100 External remittance in foreign currency: at the cost of the remitter (OUR-remittance will be received by the beneficiary's bank in full) - in USD 0.3%, min.$150, max.$800 - in EUR 0.3%, min. 115, max. 460 - in RUB (with a future value date) with partial payment by the beneficiary (SHA-remittance will be received by the beneficiary's bank less the intermediary banks' fees): - in USD, EUR Remittances by individual entrepreneurs, farms, notaries and advocates, private legal executives non-electronic customers: 46 47 Intrabank remittances: Remittances between accounts of the same customer Intrabank remittances for payment of bank services and in favor of the bank 0.2 % min RUB 610, max RUB 10,700 - in USD 0.2%, min.$30, max.$400 - in EUR 0.2%, min. 25, max. 300 - other types of currencies (excluding USD, EUR, RUB*) 0.2%, min.$40, max.$500 * - remittances in RUB are subject to OUR fee only Remittance in favor of customers of bank's subsidiaries and it's loro banks with a fee at the remitter's cost (OURremittance will be received by the beneficiary bank in full): - in KZT 0.15% min KZT300 / max KZT 800 $30

48 49 Intrabank remittances for payment of bank services and in favor of the bank Remittance from the remitter's current account in favor of other customers of Kazkommertsbank: - to current/card accounts of a physical person 0.15% min.kzt 300, max. KZT 800 - from the remitter's account in favor of a legal entity, individual entrepreneur, farms, notaries and advocates, private legal executives 0.15% min.kzt 300, max. KZT 800 50 51 52 53 54 55 External remittances «External remittances in KZT» Acceptance of payment orders: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive - amount of up to KZT 5 million (express) 0.25%, min KZT 500, max KZT 2000 0.25%, min KZT 500, max KZT 2000 - amount in excess of KZT 5 million 0.25%, min KZT 500, max KZT 2000 from 13-00 to 17-45 of Almaty time: - in any amount Acceptance of payment orders to pension and social funds with a current value date: before 13-00 of Almaty time: - amount of up to KZT 5 million inclusive - amount of up to KZT 5 million (express) - amount in excess of KZT 5 million from 13-00 to 17-45 of Almaty time: 0.25%, min KZT 500, max KZT 2000 0.23%, min.kzt 420, max. KZT 800 0.25%, min KZT 700 max KZT 1,400 0.25%, min KZT 700 max KZT 1,400 - in any amount 0.25%, min KZT 700 max KZT 1,400 External remittance in foreign currency: at the cost of the remitter (OUR-remittance will be received by the beneficiary bank in full) - in USD 0.5% min $80, max $600 - in EUR 0.3%, min. 40, max. 300 - in RUB (with a future value date) - in RUB for payments with "the same-day" value date (if feasible) 0.25% RUB min.460, max.rub 9,200 0.25% min.rub 750, max.rub 10,700 - in KGS, TJS 0.25%, min.$15, max.$300 - other currencies (excluding EUR,USD,RUB, KGS, TJS) 0.3% min $60, max $500 with partial payment by the beneficiary (SHA-remittance will be received by the beneficiary's bank less the intermediary banks' fees): - in USD 0.2%, min.$25, max.$300 - in EUR 0.2%, min. 20, max. 230

56 57 - amount of up to KZT 5 million inclusive $250 - amount in excess of KZT 5 million 0.05% min. $300 58 Processing of lists in hard copies for pension and social contributions within one day - up to 10 persons KZT 5,000 Other tariff rates 59 Confirmation of a remittance in SWIFT format in hard copy KZT 775 60 Confirmation of a remittance in SWIFT format in electronic form using the OnlineBank system 61 Investigation of incoming payments in case of insufficient/incorrect bank details (excluding VAT) Investigation of executed remittances upon customer's request - sending requests for: 62 1) confirmation of remittance crediting date to the beneficiary's account (including VAT):; 2) additional information of a remittance (including VAT):; KZT 4,000 KZT 7,000 3) withdrawal of a remittance (including VAT). Cancellation of an outgoing remittance upon customer's request if feasible by the Bank: 63 "(in case the bank is unable to execute the instruction the fee will not be reimbursed)" KZT 2,000 64 Return of received payments in foreign currency (the fee will be deducted from the payment amount) 65 66 III. 67 KZT 250 KZT 550 Cash recounts and packing upon customer's preliminary request: up to KZT 1,000,000 0.4%, min. KZT 250 1.4% from KZT 1,000,001 to KZT 5,000,000 0.35% 1.4% from KZT 5,000,001 0.30% 1.4% 68 Cash recounts and packing without a preliminary request, if feasible by the Bank (the tariff rate is charged in addition to the basic tariff rate): 0.10% 69 - other currencies (excluding USD, EUR, RUB*) 0.2%, min.$30, max.$400 * - remittances in RUB are subject to OUR fee only Note: Remittance in favor of customers of bank's subsidiaries and it's loro banks with a fee at the remitter's cost (OURremittance will be received by the beneficiary bank in full): At the remitter's cost: - in KZT - in USD, EUR Additional tariff rates (charged in addition to basic tariff rates) Acceptance of an express payment during operation hours in hard currency and in currency of the CIS countries with "the same-day" value date excluding RUB subject to the bank's technical feasibility Issue of payment instructions for direct debit upon customer's request - intra-branch - other 0.15% min KZT300 / max KZT 800 $30 $25 (fee is deducted from payments less than or equal to $100) Annual maintenance fee for current accounts inactive for more than 1 year KZT 2,000 (if the balance is less than KZT 2,000) Cash operations Cash disbursement Cash acceptance

70 71 72 73 74 75 76 77 77.1. 78 KZT 630 KZT 1,000 0.2% min. KZT 1,700 per 1 visit 0.2% min. KZT 6,000 per 1 visit Additional tariff rate for execution of cash operations during non-operation hours* (the rate is charged additionally to 79 KZT 2,000 the basic rate) IV. 80 Acceptance and recalculation of banknotes and coins during operation hours and remittance to a customer on the same day Banknotes and coins recounts upon acceptance of collected proceeds during non-operation hours and remittance to a customer on the next day Additional tariff rate charged in case of surplus or shortage detected during cash recounts* * The tariff rate is charged from the amount of cash money of the denominations, for which the deviations were detected Acceptance of cash money for payment of taxes and other compulsory payments to budget (including taxes, charges, state duties, customs charges, etc) 0.25%, min. KZT 250 0.3%, min. KZT 750 0.2%, min. KZT 200 0.2%, min. KZT 500, max. KZT 5,000. - for Almaty branch: 0.5%, min.kzt 200 - for other branches of the bank 0.3%, min.kzt 200 Acceptance for collection of doubtful, and invalid banknotes in foreign currency Change of banknotes and coins by a preliminary request or without a preliminary request if feasible by the Bank 0.5%, min.kzt 700 Sale of cheque book (excluding VAT) - for 25 cheques - for 50 cheques Collection (excluding VAT) Delivery of fractional coins (excluding VAT) Security escort of a customer with cash money and other valuables (excluding VAT) - for Almaty branch Amount - up to USD 250,000 (equivalent in KZT) Amount - from USD 250,000 to USD 1,000,000,000 (equivalent in KZT): Amount - from USD 1,000,000,000 to USD 4,000,000,000 (equivalent in KZT): Amount exceeds USD 4,000,000 (equivalent in KZT) Amount is not stipulated - for other branches of the Bank Security escort of a customer with cash money and other valuables (excluding VAT) KZT 15,000/h KZT 40,000/h KZT 30,000/h KZT 50,000/h KZT 50,000/h 0.05%, min. KZT 7,000, max. KZT 50,000/h Amount/valuables are not stipulated KZT 50,000/h Safe storage in a property room of the Bank (excluding VAT): - storage of duplicate keys of second-tier banks KZT 1,000/month - customer's property KZT 5,000 (day) * operation hours - weekdays: from 9-00 till 17-45 of Almaty time 10% of the nominal value Conversion transactions Purchase and sale of non-cash money in foreign currency and remittance to a customer account: For legal entities: purchase by the bank sale by the bank - on the same day 0.17% at the bank's exchange rate, min. KZT 750 0.17% at the bank's exchange rate, min. KZT 750

No - on the second day 0.15% at the bank's exchange rate, min. KZT 750 0.15% at the bank's exchange rate, min. KZT 750 - on the third day 0.1% at the bank's exchange rate, min. KZT 750 0.1% at the bank's exchange rate, min. KZT 750 For individual entrepreneurs and farms, notaries and advocates, private legal executives: purchase by the bank sale by the bank - on the same day 0.2% at the bank's exchange rate, min. KZT 250 0.2% at the bank's exchange rate, min. KZT 250 - on the second day 0.15% at the bank's exchange rate, min. KZT 250 0.15% at the bank's exchange rate, min. KZT 250 - on the third day 0.1% at the bank's exchange rate, min. KZT 250 0.1% at the bank's exchange rate, min. KZT 250 81 Execution of forward transactions 82 V. "OnlineBank" system: 83 Connection of the "Onlinebank" system (excluding VAT) 84 Issue/re-issue of smart cards for the "OnlineBank" system (excluding VAT) KZT 795 85 Express delivery of the Onlinebank smart cards to branches (excluding VAT) KZT 3,710 86 Sale of card readers for the system (excluding VAT) KZT 3,710 87 Monthly subscription fee for management of electronic customers' accounts using the "Electronic customer" system 88 KZT 25,000 (charged additionally to the standard account management fee) 89 Re-installation of the "Electronic customer" system (excluding VAT) KZT 14, 840 90 Re-adjustment of the "Electronic customer" system (excluding VAT) KZT 14, 840 91 Restoration of the database of the Electronic customer" system after failures (excluding VAT) KZT 14, 840 92 Re-issue of a key diskette (electronic key) KZT 31,800 93 Archivation and copying of the database of the "Electronic customer" system (excluding VAT) KZT 14, 840 Other services 94 Visit of a Bank's employee to a customer (excluding VAT) KZT 5,024 95 96 "Mobilebank" system Connection of the "Mobilebank" system (excluding VAT) VI. Withdrawal of a request for conversion 0.1%, min. KZT 15,000 Remote customer servicing Monthly subscription fee for management of electronic customers' accounts using the "OnlineBank" system (charged additionally to the standard account management fee) "Electronic customer" system: 97 Monthly subscription fee for management of electronic customers' accounts using the "Mobilebank" system (charged additionally to the standard account management fee) KZT 530 98 Fee for execution of requests, transfers, notices and provision of statements of a bank account based on SMS- KZT 7 messages (charged for each operation/statement provided in addition to the standard fees for a relevant service) Trade finance transactions for residents of the Republic of Kazakhstan KZT 1,675 (per each e-mail account)

Export letters of credit 99 Acceptance of an export letter of credit: - against cash collateral 0.2%, min. KZT 15,000, max. KZT 150,000 - without cash collateral to be agreed separately 100 Pre-advising of an export letter of credit 101 Advising: - of an export letter of credit 0.1%, min. KZT 15,600, max. KZT 91,000 - of amendments to an export letter of credit (for each advising) - of messages related to an export letter of credit KZT 6,750 KZT 3,000 102 Cancellation of a letter of credit before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request KZT 12,000 103 104 document cheking (excluding VAT) Fee for discrepancies in documents (for each set of documents) (excluding VAT) 0.15%, min. KZT 15,600, max. KZT 130,000 KZT 8,250 105 Requests execution (excluding VAT) KZT 3,000 106 Transfer of: - a transferable letter of credit 0.15%, min. KZT 15,000, max. KZT 90,000 - amendments to a transferable letter of credit KZT 6,750 107 Documents acceptance and preparation with following posting by mail or courier service (excluding VAT) KZT 5,250 108 109 Postal/courier expenses (excluding VAT) Negotiation and acceptance of bills of exchange at actual cost to be agreed separately 110 111 Drafting of a letter of credit KZT 12,000 Import letters of credit 112 113 Opening of an import letter of credit Requests execution (excluding VAT) 0.2%, min. KZT 16,500, max. KZT 165,000 KZT 3,000 114 Amendment to a letter of credit, excluding amount change (for one service regardless of the number of changes)* KZT 9,000 115 116 Documents cheking (excluding VAT) Fee for discrepancies in documents (for each set of documents) (excluding VAT) 0.15%, min. KZT 15,000, max. KZT 130,000 KZT 8,250 117 Money transfer under a letter of credit Money transfer under a letter of credit 0.25%, min. KZT 3,900, max. KZT 7,800; 0.25%, min. KZT 3,900, max. KZT 7,800 USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300 USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300 118 Cancellation of a letter of credit before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request KZT 12,000 119 120 Fee for risks under letter of credit Drafting of a letter of credit to be agreed separately KZT 12,000 121 122 Postal/courier expenses (excluding VAT) Documents acceptance and preparation with following posting by mail or courier service (excluding VAT) at actual cost KZT 3,000 * Increase in the amount of a letter of credit shall be considered as a separate issue of a letter of credit Documentary collection stipulated by a commercial contract 123 Import collection advising 0.15%, min. KZT 4,500, max. KZT 37,500

124 125 Processing of documents under import collection (against acceptance or payment) Amendments of instructions for collection 0.15%, min. KZT 4,500, max. KZT 37,500 KZT 3,750 126 Return of unpaid documents: - without protest - with protest (protest expenses shall be paid separately) KZT 3,900 KZT 7,500 127 Requests execution (excluding VAT) KZT 3,000 128 129 Documents acceptance and preparation with following posting by mail or courier service (excluding VAT) KZT 3,000 Bank guarantees 130 Issue of guarantees - bid bond with 100% cash collateral 0.2%, min. KZT 7,800, max. KZT 52,000 - bid bond without 100% cash collateral 0.2%, min. KZT 9,750, max. KZT 105,000 - issue of other guarantees 0.2%, min. KZT 15,000, max. KZT 150,000 131 Execution of requests (excluding VAT) KZT 3,000 132 Amendment to a guarantee, excluding amount change (for one service regardless of the number of changes)* KZT 8,200 133 Guarantee cancellation before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request KZT 12,000 134 Upon receipt of the beneficiary's request for payment: Checking of documents that support a beneficiary's request (excluding VAT) 0.15%, min. KZT 15,600, max. KZT 65,000 135 Advising of: - a guarantee without financial obligations of KKB 0.1%, min. KZT 13,500, max. KZT 90,000 - amendment a guarantee without financial obligations of KKB - messages under a guarantee without financial obligations of KKB KZT 6,750 KZT 3,000 136 137 Risk fee under guarantees Guarantee drafting in accordance with the applicable interest rates KZT 12,000 138 Acceptance and preparation of documents for sending by mail or courier service (excluding VAT) KZT 3,000 139 Money transfer under collection Money transfer under collection 0.25%, min. KZT 3,900, max. KZT 7,800 0.25%, min. KZT 3,900, max. KZT 7,800 * Increase in the amount of a guarantee shall be considered as a separate issue of a guarantee Trade finance transactions for non-residents of the Republic of Kazakhstan Export letters of credit acceptance of an export letter of credit: - against cash collateral 0.2%, min.$100, max.$1000 - without cash collateral by agreement 140 Pre-advising of an export letter of credit $0 141 Advising: - of an export letter of credit 0.1%, min.$120, max.$700 - of amendments to an export letter of credit (for each advising) - of messages related to an export letter of credit $50 $25 142 document cheking (excluding VAT) 0.15%, min.$120, max.$1000 USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300 USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300

143 Fee for discrepancies in documents (for each set of documents) (excluding VAT) $60 144 Transfer of: - a transferable letter of credit 0.15%, min.$100, max.$500 - amendments to a transferable letter of credit $50 145 Cancellation of a letter of credit before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request $100 $0 146 Negotiation and acceptance of bills of exchange by agreement 147 148 Drafting of a letter of credit $120 149 Execution of requests (excluding VAT) $40 150 Acceptance and preparation of documents for sending by mail or courier service (excluding VAT) $45 151 Postal/courier expenses (excluding VAT) Import letters of credit at actual cost 152 153 Opening of an import letter of credit Amendment to a letter of credit, excluding amount change (for one service regardless of the number of changes)* 0.2%, min.$120, max. $1200 $70 154 155 Documents cheking (excluding VAT) Fee for discrepancies in documents (for each set of documents) (excluding VAT) 0.15%, min.$120, max. $1000 $60 156 Cancellation of a letter of credit before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request $100 $0 USD, EUR - 0.30%, min.$40, 157 Money transfer under a letter of credit 0.25%, min.$30 max.$60 max.$500; RUB - 0.25%, 158 Execution of requests (excluding VAT) $40 min.$15, max.$300 159 Acceptance and preparation of documents for sending by mail or courier service (excluding VAT) $25 160 161 162 Postal/courier expenses (excluding VAT) Fee for risks under letter of credit Amendment to a letter of credit, excluding amount change (for one service regardless of the number of changes)* at actual cost by agreement $120 * Increase in the amount of a letter of credit shall be considered as a separate issue of a letter of credit Documentary collection stipulated by a commercial contract 163 164 165 Import collection advising Processing of documents under import collection (against acceptance or payment) Amendments of instructions for collection 0.15%, min.$30, max.$250 0.15%, min.$30, max.$250 $25 166 Return of unpaid documents: - without protest - with protest (protest expenses shall be paid separately) $30 $50 167 Money transfer under a letter of credit Money transfer under collection 0.25%, min.$30 max.$60 0.25%, min.$30 max.$60 168 Acceptance and preparation of documents for sending by mail or courier service (excluding VAT) $25 169 Execution of requests (excluding VAT) $40 Bank guarantees 170 Issue of guarantees USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300 USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300

- bid bond with 100% cash collateral 0.2%, min.$60, max.$400 - bid bond without 100% cash collateral 0.2%, min.$70, max.$700 171 172 - issue of other guarantees Execution of requests (excluding VAT) 0.2%, min.$120, max.$1200 $40 173 Amendment to a guarantee, excluding amount change (for one service regardless of the number of changes)* $60 174 Guarantee cancellation before its expiry date: - by requesting the beneficiary's consent - by receipt of a beneficiary's official release from obligations without bank's request $100 $0 175 Upon receipt of the beneficiary's request for payment: Checking of documents that support a beneficiary's request (excluding VAT) 0.15%, min.$120, max. $500 176 Advising of: - a guarantee without financial obligations of KKB 0.1%, min.$90, max. $600 - amendment a guarantee without financial obligations of KKB - messages under a guarantee without financial obligations of KKB $50 $25 177 Guarantee drafting $120 178 Acceptance and preparation of documents for sending by mail or courier service (excluding VAT) $25 179 Risk fee under guarantees by agreement VII. 180 181 182 Maintenance of customer's current account" 183 Transfer of securities to a depo account 184 185 Money transfer upon customer's request * Increase in the amount of a guarantee shall be considered as a separate issue of a guarantee Transactions on the state securities market Tariff rates for brokerage service with nominal holding Crediting of governmental securities to DEPO account (except for remittance operations) Debiting of governmental discount securities from a DEPO account (depending on the volume of portfolio at face value at the time of debit): 0.25%, min.$30 max.$60 KZT 200 for customers of the branches under a contract USD, EUR - 0.30%, min.$40, max.$500; RUB - 0.25%, min.$15, max.$300 for customers of branches under a contract - in case of portfolio volume varies from KZT 1 to 30 million 1% of received income - in case of portfolio volume varies from KZT 30 to 70 million 0.8% of received income - in case of portfolio volume from varies KZT 70 to 100 million 0.6% of received income - in case of portfolio volume in excess of KZT 100 million 0.5% of received income but no less than 1 MCI Fee for Coupon governmantal securities is paid: upon each coupon payment and/or DEPO account debit (in case of repayment, sale, transfer) depending on the volume of portfolio at face value at the time of debit/coupon payment for customers of branches under a contract - in case of portfolio volume is more than KZT 30 million 1.4 % of received/accrued coupon - in case of portfolio volume varies from KZT 30 to 70 million 1.0% of received/accrued coupon - in case of portfolio volume varies from KZT 70 to 100 million 0.8% of received/accrued coupon - in case of portfolio volume is n excess of KZT 100 0.7% of received/accrued coupon but no less than 1 MCI 186 REPO transactions KZT 500 187 Governmental securities collateralization KZT 2,000 from the pledgor

188 An additional banking statement from DEPO account upon a customer's request KZT 500 189 Provision of information on investor's securities and cash flow over a period exceeding 30 days (excluding VAT) KZT 1,000 190 191 Tariff rates for brokerage services without nominal holding REPO transactions 1 MCI 192 Securities trading KZT 1,000 193 An additional banking statement from DEPO account upon a customer's request KZT 1,000 VIII. Custody services (under a contract) IX. 194 195 196 197 198 Transactions with promissory note Promisory note aval: Fee for risks in case of collateral or without collateral Fee for risks in case 100% cash collateral blocked on the account with Kazkommertsbank JSC Fee for risks in case 100% of deposit amount held with Kazkommertsbank JSC Aval fee individually, depending on the risk exposure on a customer, discount rates of international institutions for customer's promisory notes avalized by the Bank as well as international markets enviroment individually, depending on the currency risks, discount rate of international institutions for customer's promisory note avalized by the Bank as well as international market enviroment 0.2%, min. KZT 7,900, max. KZT 79,000 ( in accordance with the applicable rates for issue of a guarantee) 199 200 201 202 203 204 205 Check of documents submitted by a beneficiary according to a customer's instruction 0.15%, min. KZT 15,800, max. KZT 126,400 206 Fee for discrepancies in documents KZT 11,000 207 208 209 Consultation services on promisory note transactions, including promisory note' form check in accordance with Law 210 KZT 3,000 (excluding VAT) 211 Amendment to a transaction structure and aval terms Negotiating of transaction terms with participating parties in case of promisory note aval (pre-advising) customer's requests execution related to promisory note aval Execution of beneficiary's and bill holder's requests related to aval confirmation, promisory note details and execution as well as signatures confirmation of an issuer and backer of promisory note Upon receipt of a payment request from a beneficiary: - execution of the last bill holder's request for payment Presentation of customer's instructions regarding promisory note transfer to a supplier's bank Advising: of promisory note transfer to a supplier according to supplier's bank notices of promisory note presentation for payment or request for payment from a promisory note holder and money transfer to a cash collateral account Consultation services on promisory note transactions, including promisory note form completion in accordance with Law (excluding VAT) KZT 7,900 for each alteration individually by agreement with the customer, min. KZT 7,900, max. KZT 155,000 KZT 6,500 per each request KZT 6,500 per each request similar to the rates for Clearing, Gross remittances with a current value date 0.2% of the amount of request, min. $20, max.$500 individually by agreement with the customer, min. KZT 20,000, max. KZT 50,0000 KZT 5,700 for each advice KZT 5,700 for each advice individually by agreement with the customer, min. KZT 7,000, max. KZT 50,000 Consultation services on promisory note transactions, together with standard promisory note form (excluding VAT) by agreement, min. KZT 2,500

212 213 214 215 216 Domiciliation of customer's promisory notes Collection of promisory notes Protest of promisory notes Discounting of promisory notes by agreement by agreement KZT 15,000 + fee and expenses of a notary office individually by agreement with the customer X. Precious metals 217 Opening of a metal account KZT 810 KZT monthly 0 from each account if any account 218 219 Maintenance of a bank account Banking account records: - compulsory account statements - with provision of Appendixes to the statement (upon customer's request) transactions were carried out KZT 50 per 1 sheet - upon customer's special request KZT 500 220 Banking servicing statement to be provided upon customer's request (excluding VAT) KZT 500 221 Issue of duplicates of financial documents (excluding VAT): KZT 200 222 Closing of an account 223 Purchase and sale of non-cash refined precious metals for crediting to customer's account: purchase by the bank sale by the bank 224 225 226 Remittances to metal accounts (Intrabank and in favor of other banks' customers): Intra-bank remittances to metal accounts 227 Remittances to metal accounts in favor of other banks' customers KZT 4,700 228 229 230 Loco-SWAP transactions FORWARD transactions Amendments or withdrawal of a remittance in favor of other banks' customers by agreement by agreement 4700тг 231 232 233 234 235 236 Consultation services on promisory note transactions, together with financinf structure optimization and transaction terms (excluding VAT) - on the third day Metal transportation services (excluding VAT) Purchase and sale of metals (excluding VAT): Sale of metals Purchase of metals Consultation services for precious metals transactions (excluding VAT) Payment for balances on metal accounts 0.1% at the bank exchange rate, min. KZT 750 KZT 4,500/h 0.1% at the bank exchange rate, min. KZT 750 by agreement, based on actual cost of transportation at the bank exchange rate at the bank exchange rate by agreement not accrued XI. Consulting services (under a contract) XII. 237 Other services Provision of financial and reference information via computer-modem communication (excluding VAT) KZT 1,000-9,500 depending on the volume and the period of provision of information 238 Translation of texts of guarantees and messages received from foreign banks (excluding VAT) KZT 7,900 239 Registration of a loan contract and supplementary agreements (excluding VAT): - in Almaty by the Parent Bank as well as by employees of branches at the location of the branches KZT 9,050 - with necessity of business trips KZT 9,050 + travel expenses 240 Provision of information for audit companies at the customer's request (excluding VAT):

KZT 8,000 KZT 10,000 KZT 10,000 - per each year or incomplete year Consultations regarding the rules of execution of cash transactions in second-tier banks (a group consisting of up to 10 241 KZT 12,500 persons) (excluding VAT) 242 Requested period - up to 1 year Requested period -from 1 year to 2 years Requested period - from 2 years and more Sending of notices to a customer by mail - in the territory of Almaty and Kazakhstan - to CIS countries and far-abroad countries KZT 500 KZT 1,500

Tariff rates for safe deposit services for legal entities for 2014 Dimensions of safe deposit Service description Branch Type of a safe deposit box boxes (height-width-depth, cm.) 1 day 1 Safe deposit boxes lease service 5х25х44 200 (excluding VAT) - for all branches of Kazkommertsbank JSC Almaty, Karaganda Akmola Aktau Aktobe Atyrau Zhambyl Zhezkazgan Kyzylorda Kostanay Kokshetau Pavlodar Petropalvovsk Ust-Kamenogorsk Uralsk Small safe deposit box А Small safe deposit box C Medium safe deposit box C Large safe deposit box B Small safe deposit box А Medium safe deposit box C Large safe deposit box B Small safe deposit box C Small safe deposit box А Small safe deposit box C Medium safe deposit box C Large safe deposit box B Small safe deposit box А Small safe deposit box C Medium safe deposit box C Large safe deposit box B Small safe deposit box А Medium safe deposit box C Small safe deposit box А Medium safe deposit box C Large safe deposit box B Small safe deposit box C Tariff rates (in KZT) depending on the term of a safe deposit box lease 7,5х25х44 220 10х25х44 240 12,5х25х44 300 17,5х25х44 340 30х25х44 380 47,5х25х44 480 60х25х44 540 5х25х44 200 7,5х25х44 220 12,5х25х44 300 17,5х25х44 340 30х25х44 380 47,5х25х44 480 60х25х44 540 7,2х26х39 240 8х24,5х40 220 14,5х24,5х40 300 14,6х26х39 300 22х26х39 340 44,2х26х39 480 45х24,5х40 480 5х25х44 200 7,5х25х44 220 10х25х44 240 12,5х25х44 300 30х25х44 380 47,5х25х44 480 7,5х25х44 220 12,5х25х44 300 17,5х25х44 340 47,5х25х44 480 60х25х44 540 5х31х44 200 7,5х31х44 220 10х31х44 240 14,5х22х40 300 12,5х31х44 300 21,7х22х40 340 30х31х44 380 51,5х22х40 480 47,5х31х44 480 88,5х22х40 540 5,0х25х44 220 12,5х25х44 300 17,5х25х44 340 47,5х25х44 480 7,2х26х39 220 14,6х26х39 300 7,2х26х39 220 14,6х26х39 300 22х26х39 340 44,2х26х39 480 5х25х44 200 7,5х25х44 220 12,5х25х44 300 17,5х25х44 340 30х25х44 380 5,0х25х44 220 12,5х25х44 300 47,5х25х44 480 7,2х26х39 220 22х26х39 340 5х25х44 200 7,5х25х44 220 12,5х25х44 300 17,5х25х44 340 30х25х44 380 47,5х25х44 480 60х25х44 540 7,5х25х44 220 12,5х25х44 300 47,5х25х44 480 7,2х31,5х42,5 240 Shymkent

Tariff rates for safe deposit services for legal entities for 2014 14,6х31,5х42,5 340 Shymkent Medium safe deposit box C Medium safe deposit box C 22х31,5х42,5 380 29,4х31,5х42,5 380 44,2х31,5х42,5 480 Large safe deposit box B 51,6х31,5х42,5 540 * inside dimension of a safe deposit box may vary from 0,5 to 4 cm depending on size of safe deposit box and branch size in case of a safe deposit box lease and payment for safe storage services for 1 month or more, 5% discount will be applied; for 3 months or more - 10% discount; for 6 months or more - 20% discount ; for 12 months and more - 30% discount Service description Tariff rates (KZT) 2 Additional tariff rate for a safe deposit box lease in case of transfer of a lock and two keys to a client (excluding VAT) KZT 15,625 3 Compensation for damage caused to the Bank in case of loss of a key (excluding VAT) KZT 11,580 4 Force opening of a safe deposit box (excluding VAT) cost of the services performed by outside organization + 10% 5 Provision of bank equipment for cash recounts and banknotes identification 6 Fee for special conditions of access to a safe deposit box shall be charged additionally to the main tariff rate in case of purchase and sale transactions (excluding VAT) KZT 2,950 7 Safe custody of Client's property in the property room of the Bank, including the cases of forced opening of an individual safe deposit box (excluding VAT): KZT 5,000 for each full or incomplete month