Personal deposits in rubles

On the 16th of December, 2004 ”The Investment Insurance Agency” State Corporation listed OAO (Open Joint-Stock) “Tarkhany” among the system of bank-associates with  obligatory insurance policy system as № 338.

  We provide all of our customers with a wide variety of deposits by taking an individual approach and detailed studies of their concerns to different types of clients. It allows for Clients to find the most suitable way to invest.

You may open an account on your name (personal account) or on intermediator and on minors as well. Clients may want to draw up a will or a letter of authority in order to give the right to make decisions to another person.

City office investors can realize operations with deposits and investments at any of 5 city offices and at 6 cash bank registers located in Penza City and Zarechny.

If deposit stays unclaimed upon the expiration date, the contract will be extended automatically for as long as the original one (fixed deposits and target deposits). Accrued interest, but not paid, adds to the amount of deposit. Accrued interest adds to general deposit according to a percentage rate at the time of redrawing up for the next terms.

With the Client’s will we make conversion of finances on deposit from one currency to another (rubles, USD, euro). Conversion is realized according to the rate set by the Bank.

Independent Society of Investors” presents investor’s interests.

You will need the following items in order to draw up/open a deposit:

•  passport (or any ID);
• a pension/retirement certificate (to draw up/open a pension/retirement deposit);
• intermediator’s passport (certificate of birth – to open children’s saving account).

FIXED DEPOSITS

SUPPLEMENTED DEPOSITS

21 vek” (the 21st century) – is a classic fixed deposit with a variety of terms. A large percentage will ensure gain for Your finances. It’s recommended for people interested in maximally high income and for people who can afford doing it. By opening a deposit, you have a right to get a free international plastic credit card Cirrus\Maestro with a free service provided during the first year.

Leader” – is a new type of deposit intended for people interested in getting a stable income but at the same time You have to have finances in order to be able to do it. During deposit terms, depositor has an option to get credit at any time up to 60% from a deposit amount.

Udobny” (“Convenient”) – is a type of deposit with an opportunity of refilling, intended for people interested in saving money for some special occasion or a certain date. A partial removal of additional finances is possible within deposit terms without any loss.

UNSUPPLEMENTED DEPOSITS

Dokhodny” (“Profitable”) – intended for people interested in receiving interest.

TARGET DEPOSITS

“Pensionny Gubernsky” (“The Pensioner’s Provincial”) – is a target deposit for retired people interested in savings and getting extra money in addition to a monthly government paycheck.

“Srochny pensionny” (“ The Pensioner’s fixed”) – is a target deposit for retired people intended for transferring a government paycheck to account.

“Detsky nakopitelny” (“The Children’s savings deposit”) - is a target deposit on the child’s name placed under favorable conditions. It’s recommended for people interested in saving money for the child’s 16th birthday or further education.

“Nadeznoe obespechenie” (“Reliable providing”) –is a deposit intended for employed people at organizations and businesses interested in getting an additional interest for a future government pensioner’s check by depositing a small amounts of money. A depositor will get an interest when retirement time arrives.

From the 10th of October, 2003 we are no longer open new deposits: “Predprinimatelsky” (“Commercial”), “Gubernsky” (“Provincial”) and “Nakopitelny” (“Savings deposit”).

“DO VOSTREBOVANIYA” (“DEMAND”) DEPOSITS

“Zarplatny” (“Salary”). It’s intended for working people at organizations and business people. It’s intended for transferring salary to a depositor’s account. Convenience: an opportunity to receive Your money in any amount at any time, pay bills and at the same time to get interest.

“Do vostrebovaniya” (“Demand” deposit).

Location for providing service:all offices and cash registers of the Bank (except the Central Department Stores (TSUM, BTI) and the branch in Saratov City.

Phone numbers to contact: (8412) 52-20-75, 55-25-44 and 43-40-91

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in Foreign Currencies in Rubles

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