Published on Orient Finans Bank - Private joint stock commercial bank (

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1 Published on Orient Finans Bank - Private joint stock commercial bank ( Plastic cards Salary project Private closed joint stock commercial bank "ORIENT FINANS" offers your organization to jointly implement salary project. Bank will issue for your staff plastic cards without commission fee. You will just sign agreement on implementation of salary project, submit applicable documents on plastic cards issuance and crediting of salary and equated payments and Bank staff will process all required procedures thus the staff of your enterprise can easily use plastic cards IPS "UZKART". Interbank payment system «UZKART» local payments system which basis element is microprocessor plastic cards, is based on a range of laws, regulatory documents, programme-technical solutions and corresponding organizational-technical infrastructure designed to process non-cash payments in electronic format and merging into unified system the banks emitting microprocessor bank cards and providing services to vendors of goods (works, services), clearing bank as well as processing organization. Plastic cards services provided to corporate and individual entrepreneurs in national currency 3.1. Transit account service 1% 1% 3.2. Primary installation of DUET-OnLine client application gratis gratis 3.3. Reinstallation of DUET-OnLine client application sum sum 3.4. Monthly user charge DUET-OnLine 30 Euro 30 Euro PCJSCB «Orient Finans» presents to your attention international plastic card MasterCard Business.

2 Use MasterCard Business to pay for goods and services purchased in shops and supermarkets, in café and restaurants and for other hospitality expenses during trips. With MasterCard it is always easy and comfortable since necessary amount of money is always at hand. MasterCard Worldwide is the biggest international pay system which started its history in 1966 in USA after signing an agreement between several banks. As of the end of 2011 the network of partners of the MasterCard Worldwide international pay system is numbered to credit organizations in more than 210 countries worldwide. About 1,8 billion MasterCard cards which are served by 1,9 million ATM, are circulated worldwide. MasterCard Business international plastic card type of services and tariffs Service type Commission 1 Account currency USD 2 Payment for main card issuance* 100$ 3 Payment for additional card issuance* 100$ 4 Payment for card re-issuance* 100$ 5 Card validity 2 years 6 Transaction commissions 6.1. Payment for goods and services 6.2. Cash withdrawals In Bank network 0.5% (>1$)** International transaction 0.5% (>1$) In Bank network Not applicable International transaction 1,5% (>2$) 6.3. Cash depositing to account in PCJSCB «Orient Finans» network Gratis 6.4. Non-cash account crediting 1% 7 Urgent card issuance (additionally to card issuance payment) 50$ 8 Insured deposit (неснижаемый остаток на счете) 500$

3 9 Payment for issuance of certificate on card account operation* 20$ 10 Payment for card locking with indicator "stolen or lost" 10$ * Payment is processed in national currency at the rate of the Central Bank of the Republic of Uzbekistan on transaction day. At client s will amount can be charged off in foreign currency from account. ** In Uzbekistan payment by cards is possible only for purchase of air tickets (МСС code TSP-4511, 4722). Transaction commissions are charged off in foreign currency (USD) from client s account. CORPORATE PLASTIC CARD ips "UZKART" IN SUMS PCJSCB «Orient Finans» presents to your attention corporate plastic card IPS "UZKART" in sums. Our Bank offers your organization issuance of corporate plastic card in sums for authorized personnel to pay per diem, hospitality or expenses related to manufacturing activities of the organization. Interbank payment system «UZKART» local payments system which basis element is microprocessor plastic cards is based on range of laws, regulatory documents, programme technical solutions and corresponding organizational-technical infrastructure designed to process non-cash payments in electronic format and merging into unified system the banks emitting microprocessor bank cards and providing services to vendors of goods (works, services), clearing bank as well as processing organization. Corporate plastic card IPS "UZKART" type of services and tariffs Services Issuance of main/additional card with 2 years validity Extension (2 years period) of man/additional card Main/additional card re-issuance in case of loss/damage Issuance of certificate on card account operation Plastic card inclusion into "Stop list" Commission for crediting on card of corporate/individual entrepreneur Commission 20 Euro 5 Euro 25 Euro 10 Euro sum 2% of amount Trade acquiring (IPS "UZKART") PCJSCB «Orient Finans» offers services on ensuring mutual settlement between customers cards and trade terminals of the trade-service enterprises. Rented equipment is able to receive payments from plastic cards in sums of DUET and SmartVista IPS "UZKART" systems in ensuring the communication means. Interbank payment system «UZKART» local payments system which basis element is microprocessor

4 plastic cards, is based on range of laws, regulatory documents, programme-technical solutions and corresponding organizational-technical infrastructure designed to process non-cash payments in electronic format and и merging into unified system the banks emitting microprocessor bank cards and providing services to vendors of goods (works, services), clearing bank as well as processing organization. Trade acquiring (MASTERCARD)

5 Tariff for acquiring of international plastic cards MasterCard and Maestro in PCJSCB «Orient Finans» network Services Registration and delivery of POS terminal* Commission 20 Euro

6 Monthly user fee for POS terminal use* Commission from turnover of daily collections Commission for processing the report on turnover of daily collections with transactions breakdown* 10 Euro 3 % of turnover of daily collections 10 Euro Note: * - Payment is processed in national current at rate of the Central Bank of the Republic of Uzbekistan on transaction date. DUET ONLINE PCJSCB «Orient Finans» offers remote servicing of IPS "UZKART" of DUET system service DUET Online. For tracking drive on accounts and cards, as well as for processing service operations with cards and non-cash payments, the card holder may take advantage of exclusive Bank service DUET Online. It is special client s programme module providing access to client s card and its account in Bank through Internet. DUET Online service allows client performing following operations from own PC at home or in office: Efficiently receive information on card balance; On-line receive information on account balance and status; Receive bank statements; Deposit funds on card; Transfer funds back from card to account; Process non-cash payments from card account; Perform other service operations with card (PIN change, card authorization, transfer funds closed balance to open and vice versa within a card and etc.). Banks provides client: Software and instruction tools; Carв-reader connected to PC through USB-port. For DUET OnLine operation PC should have Internet connection. Services Primary installation DUET-OnLine client application RE-installation of DUET-OnLine client application Monthly user fee DUET-OnLine Commission Gratis sum 30 Euro

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