Deposits in foreign currency

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. For more details contact us and we will provide you with information.

We provide all of our customers with a wide variety of deposits in foreign currency 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. We accept deposits in USD and EURO.

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/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 list 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 kids saving account).

FIXED DEPOSITS

FIXED SUPPLEMENTED DEPOSITS

“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 and without any loss.

FIXED UNSUPPLEMENTED DEPOSITS

“21 vek” (the 21st century) – is a classic fixed deposit with a variety of terms. A large percentage will ensure gain of 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.

TARGET DEPOSITS

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

From the 10th of October, 2003 we are no longer open new deposits: “Srochny” (“Fixed”), “Tarkhany-Lux”, ‘Euro” and “Nakopitelny” (“Savings deposit”).

“DO VOSTREBOVANIYA” (“DEMAND”) DEPOSITS

“Current account” is intended for receiving money orders and cash in US Dollars or euro.

Location for providing service: all offices of the Bank (except the Shemysheisky Additional Office), cash registers (except TSUM, BTI)andthe branch in Saratov City.

General Information Bank Today Bank Details and Addresses Branches and Offices Correspondent Network

Corporate Accounts Cash Service Loans Promissory Notes and Deposits Foreign Currency Operations

Money Transfers Bank Cards Exchange Cheques Safe Deposit Boxes Deposits «Telebank» system

Balance Sheets Annual Reports

in Foreign Currencies in Rubles

International credit cards

Personal deposits in rubles Deposits in foreign currency