1. The value of the card (or the donated part of the value of the card) on full-time deposits is paid by the customer according to the current tariff of the bank.

2. No interest is charged on deposits in foreign currency (USD) that are withdrawn before the due date. The deposit amount can be reduced to 100 AZN/USD.

3. Interest on deposits in the national currency, withdrawn before 30 (thirty) calendar days, are not paid.

4. In case of withdrawal of a deposit within 15 (fifteen) calendar days from the date of its formalization, a client is charged a commission of 5 (five) AZN.

1. If a customer does not request repayment of their deposit upon the expiration of the deposit period, the deposit is automatically retained on similar conditions, provided the tariffs and terms and conditions on the date the deposit period expires are identical to those offered by the Bank. Otherwise, deposits are retained under conditions established by the Bank in a unilateral manner (accrued interests are not automatically added to the amount deposited).

1. Only if an amount of a deposit corresponds to amounts specified below with the monthly payment of interest, a customer — on the basis of the breakdown below — can be provided with a debit card as a gift, which account currency corresponds to the currency of a deposit (also applies to deposits that are automatically prolonged). Moreover, if a client deposits under several agreements, instead of a gift card that is due to the client under each of these agreements, he may be issued a card of a higher category, subject to the availability of corresponding tariffs. The cost of the card (or the gift part of the cost of the card) for deposits withdrawn in full before the due date is paid by the client according to the current tariff.

if [100-10000) AZN/USD - Visa Electron/MasterCard Maestro; if [10000- 50000) AZN/USD - Visa Classic/MasterCard Standard; if [50000-100000) AZN/USD - VISA Gold/MasterCard Gold; if 100000 AZN/USD - VISA Platinum/MasterCard Platinum.

1. The gift card is issued until the end date of the deposit.

1. At the request of a client, it is issued in the amount of 80% of a deposit amount (provided that the minimum deposit is 500 AZN/USD), in the form of a cash loan or credit card with a credit line. The interest rate of a cash loan or credit rate is determined in the amount of +5% on deposits in manats and +4% on deposits in USD.