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SPECIAL OFFER FOR RETAIL PRODUCTS OF THE VTB Bank (KAZAKHSTAN)

SPECIAL OFFER FOR RETAIL PRODUCTS OF THE VTB Bank (KAZAKHSTAN). FOR COMPANY STAFF « ______________________ ». 201 9. VTB Bank. Группа ВТБ. 17,1 %. MARKET SHARE on assets in Russia. Branches in 17 cities of Kazakhstan. Presence in. 22. countries. 23,5. 14 000.

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SPECIAL OFFER FOR RETAIL PRODUCTS OF THE VTB Bank (KAZAKHSTAN)

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  1. SPECIAL OFFER FOR RETAIL PRODUCTS OF THE VTB Bank (KAZAKHSTAN) FOR COMPANY STAFF «______________________» 2019

  2. VTB Bank Группа ВТБ 17,1% MARKET SHARE on assets in Russia Branches in 17cities of Kazakhstan Presence in 22 countries 23,5 14 000 mln. customers all over the world Number of branches -

  3. VTB in Kazakhstan ВТБ в Казахстане Participant of the state program of the DamuEntrepreneurship Fund, Agrarian Credit Corporation and others PJSC “VTB Bank” owns 100% Number of ATMs - more than 9000 (including the partner network) shares Credit ratings : S&P BB+, Moody’s Baa2

  4. Payroll Card Programme benefits for staff • Regional network of the Bank is presented in 17 cities of Kazakhstan : • 9 000 ATMs with possibility of cash withdrawal; • 100ATMs of VTB Bank (Kazakhstan); • 20 000 ATMs on VTB Group; • 50payment terminals in Kazakhstan; • 40 Bank Branches in Kazakhstan;

  5. Benefits for the Company • crediting funds on a same day basis; • personal service, regular departure of the employee; • VIP service for company management team; • salary crediting through the remote access system; • support in the preparation of documents for opening of payroll cards; • no manual filling in applications; • provision of additional banking services; • one of the highest ratings among the second-tier banks of Kazakhstan; • Bank with state support - more than 90% of VTB Group shares are owned by the Russian Federation; • full line of products and services taken in the international financial practice; Reliably Conveniently • opening an account for a legal entity - individually; • flexible rate terms; • payroll accounting fee - 0%; • premium cards for the Company’s top management - 0 KZT; Profitably

  6. Internet Banking for individuals Registration on web-page online.vtb-bank.kz TRANSFERS FINANCE MANAGEMENT SERVICE PAYMENT VTB KZONLINE OPENING OF DEPOSIT Consulting Online Expert CURRENCYCONVERSION

  7. VTB Private Banking PrivateBanking from VTB Bank (Kazakhstan) is the additional opportunities and favorable service conditions Visiting the Customer “Prime”*Premium Banking Package Individual approach and personal service Servicing in the reserved area Personal Manager relation in the mode 24/7 Comfort concierge service High rate insurance certificate and comprehensive insurance during the travel under Visa Infinite LoungeKey all over the world Profitability Fee-free cash withdrawal from ATM network Individual currency conversion rate сashback - 1% *"Prime" Package includes: basic main premium card Visa Infinite and 2 premium cards Platinum, which can be registered by the Customer on its name or on the name of its family

  8. Loan products Unsecured cash loan Loan amount Interest rate Loan term Customer lending, refinancing of any loans provided by the bank or organizations up to5 000 000 KZT up to 60 months 24% per annum * Credit card Fee rate Amount from50 000 KZT Loan term Min monthly payment Grace period up to 60 days Renewable credit limit to7 000 000 KZT up to36 months from22to31% 5% + fee *Additional fees according to the Bank rates

  9. Deposits Fee rate Deposit amount from15 000 KZT. Partial withdrawals and additional deposits Deposit term Accumulation Deposit in national currency 12 m.- 9,5% 13 m. - 10,0% per annum 12/13 and up to 36 months without limitations до 1 800 000 000 тг. Fee rate Deposit amount from 100 USD. Partial withdrawals and additional deposits Deposit term Accumulation Deposit in foreign currency (USD) without limitations 13months to5 000 000 USD. 1% per annum Partial withdrawals - are not provided Fee rate Deposit amount Deposit term Savings Deposit in national currency Additional deposits are not provided 12 – 10.0% 13 - 10,5% per annum from1 to 36 months from15 000 KZT. • Partial withdrawals - are not provided Fee rate Deposit amount Deposit term Savings Deposit in foreign currency (USD) • Additional deposits are not provided from100 USD. 13months 1% per annum Fee rate • Partial withdrawals - are not provided Deposit term Deposit amount Educational Deposit Additional deposits–without limitations from3 MCI 36 months 6,0% per annum *Deposits are insured by the Kazakhstan Deposit Insurance Fund (KDIF)

  10. Special offer for the holders of payment cards of VTB Bank (Kazakhstan) Favorable treatment in South Korea

  11. Special offer for the holders of payment cards of VTB Bank (Kazakhstan) • Visit Daegu city, South Korea; • Receive medical services in multi-field clinics; • Pay services with the card of VTB Bank (Kazakhstan); • Get discounts up to 30%. • Daegu City is the fourth largest city in South Korea (after Seoul, Busan and Incheon). The medical services in Daegu city are provided at the highest level, this is both the comprehensive diagnostic program, and the specialized treatment on established diagnosis, in the areas such as cardiology, ophthalmology, urology, gynecology, endocrinology, infertility treatment, etc. South Korea has the world’s best hair transplant and plastic surgery technology. In addition to the examination, you have the opportunity to visit the best city's major tourist attractions. Medical Daegu City is the pride of South Korea.

  12. Special offer for the holders of payment cards of VTB Bank (Kazakhstan) TRANSAVIA“Easy way” is the possibility to earn up to 2% bonuses and to spent them for travel! • How to became a participant of the Loyalty? • To open for free the payment card of VTB Bank (Kazakhstan). • To sign up on the website TRANSAVIA.KZ in the special section (https://vtb.transavia.kz/?r=users/create). • To pay for any goods and services with the card of VTB Bank (Kazakhstan) and to earn bank bonuses at the rate of 1% from each purchase. • Use accumulated bonuses when purchasing tickets and services of the TRANSAVIA Company. • Pay for the services of TRANSAVIACompany with the card of VTB Bank (Kazakhstan) and earn one more 1% bonuses from the transaction. • Bonus miles can be spent on acquiring services of the TRANSAVIA Company: • Air ticket booking and sale • Railway ticket sale • Freight transportation • VIP airport service • Transfer arrangement, rental cars • Hotel reservations in Kazakhstan and around the world • Travel Management • Passport and visa services • Travel Medical Insurance • Automobile Civil Liability Insurance • 1 bonus = 1 KZT • The TRANSAVIA Company was founded 18 years ago and today is the leader of the tourism market in Kazakhstan and the CIS countries, and has 34 offices in Kazakhstan and 4 in the CIS countries. The TRANSAVIA Company is the General Agency and performs representative functions of many air companies, and is the provider of ground handling services at the international airports of cities of Almaty, Astana, Aktobe, Aktau, Shymkent, Kostanay, Kokshetau, Uralsk and Ust-Kamennogorsk. The company offers a wide range of services and round the clock service.

  13. Our contacts Thank you for cooperation! 28 “V”, Timiryazev str., Almaty city + 7 (727) 330 43 29 (int._____), + 7 ________________

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