Money before salary

Individuals (citizens of the Republic of Kazakhstan) aged 18 and not older than 70 as of the loan maturity date, who are participants of the payroll project of Alatau City Bank JSC, including persons related to Alatau City Bank JSC / related parties, except for employees of Alatau City Bank JSC

Tenge

30 000 (thirty thousand) KZT

550 000 (five hundred fifty thousand

12 (twelve) months

37% (thirty-seven percent) per annum. Grace period for interest payment – first month from the date of loan disbursement

In the Alatau City Bank mobile app.

Not required

None. No penalties apply. Minimum partial early repayment amount: via mobile application – 2 (two) monthly payments under the loan; via a branch/office of Alatau City Bank JSC – none.

Not required

None

1. Equal monthly instalments (annuity payments) 2. Decreasing monthly instalments (differentiated payments)

1. Co-borrowers are not permitted under the product. 2. The limit per borrower under the product is KZT 550,000 (five hundred fifty thousand). 3. Up to 3 (three) active loans may be granted under the product.

Within 90 (ninety) calendar days of delay – 0.5 (zero point five) % of the overdue payment amount for each day of delay, but not more than 10 (ten) % of the disbursed loan amount per each year of the bank loan agreement term. After 90 (ninety) calendar days of delay, interest and penalty (late payment fee) shall not accrue.