Constructor

6417

22%
Interest rate
22%

Term of deposite
24 month.

name alt
Minimum amount
500,000 uzs

"Ipoteka Retail" mobile application

Pay for services without leaving home Open a deposit online All credit, card, account, transfer and payments in one basket

Application for opening a deposit

Informational sheet

On approval of the regulation on minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services

Appendix № 3

INFORMATION SHEET ON THE MAIN CONDITIONS OF DEPOSITS*

Name of the commercial bank, official website, phone numbers	JSCMB «Ipoteka-bank», www.ipotekabank.uz
	Phone: Contact-center (78) 150-11-22, 1233

Section 1. The main conditions of the deposit

1. Deposit name	Term deposit "Constructor"
2. The currency of deposit	in national currency UZS
3. Registration type	Ipoteka-Retail		At bank’s branches
4. Interest payment	Monthly	At maturity	Monthly	At maturity
5. The annual interest rate	21,5%	22,0%	21,0%	21,5%
6. Capitalization of interest on the deposit (recalculation of interest by adding accrued interest to the principal amount)	without capitalization
6. Deposit term	24 months
7. Minimum deposit amount	500,000 (five hundred thousand) uzs
8. Frequency of payment of interest on the deposit	1. When opening a deposit with a monthly interest payment, funds are credited once a month. 2. When opening a deposit with interest payment at the end of the term, payment is made one time — at its completion.
9. Procedure for opening a deposit (online or by visiting a bank)	deposit can be opened via the Ipoteka-Retail mobile application or at the bank's branches, in both cash and non-cash forms.
10. The possibility of depositing additional funds	available only for the first 3 months (interest is accrued on additional funds deposited from the next day on the total balance of funds).
11. Auto-prolongation (unilateral extension of the deposit period by the bank at the end of the deposit period)	not available
12. Other conditions	interest is accrued from the day after the funds are received and the day before the deposit is closed.

Section 2. Other important conditions

1. The possibility of partial withdrawal of deposited funds before the end of the deposit period	not available
2. Early termination	Period	Monthly		At maturity
	up to 1 month		0%	0%
	from 1 to 3 months		17%	17%
	from 4 to 6 months		18%	20%
	from 7 to 9 months		19%	20%
	from 10 to 12 months		20%	20%
	from 13 to 18 months		21%	21%
	from 19 to 24 months		21%	21%
3. Citizens' deposits in banks are guaranteed in accordance with the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in Banks"

Please review the information sheet before agreeing to open a deposit!

You have the right to receive full and detailed information from the bank about the terms of the deposit, the interest income on the deposit and the settlement procedure, as well as about your rights and obligations and other issues that are unclear to you.

In case of claims, you can send your request by phone +998 (78) 150-11-22 or to the address Tashkent, Shakhrisabz str., 30 or by e-mail info@ipotekabank.uz.

THE CORRECTNESS AND AUTHENTICITY OF THE INFORMATION SHEET IS CONFIRMED.

______________________________________

(Full name and position of bank’s employee) (Date of filling in)

The information sheet does not replace a deposit agreement or a deposit acceptance order, on the contrary, it helps to compare the deposit conditions of different banks and make the right choice

Term deposit ‹‹Constructor››

Product passport - In redaction and effective from 01.04.25

A term deposit with interest payments monthly or at maturity, allowing top-ups and early withdrawal without loss of interest.

Interest rates

Term, months	24
Deposits opened in the mobile application when paying % at the maturity	22,0%
Deposits opened in the mobile application with monthly % payment	21,5%
Deposits opened at bank branches when paying % at the maturity	21,5%
Deposits opened at banks branches with monthly % payment	21,0%

Early termination of deposits

Term, months	Up to 1	1 – 3	3 – 6	6 – 9	9 – 12	12 – 24	24 branch	24 mob. app
% at maturity	0%	17,0%	20,0%	20,0%	20,0%	21,0%	21,5%	22,0%
% monthly	0%	17,0%	18,0%	19,0%	20,0%	21,0%	21,0%	21,5%

Note: the beginning digit of each period is read with the preposition "from", and the last digit is read with the preposition "up to". The exceptions are the
periods "up to 1", "24 office" and "24 application", which are read in the form in which they are presented.

Minimum amount of deposit

500 000 UZS

Top up of deposit

Available within the first 3 months

Early withdrawal of deposit

Full

Available at any time during the deposit period

Partial

Not available

Capitalization

Not available

Interest calculation

Interest is accrued from the day after receipt of funds and the day before the deposit is closed.

Deposit guarantee

Citizens' deposits are guaranteed by the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks" up to 200 million UZS.

Passport

Calculation of deposit

Attention: The real amount and conditions for opening a deposite do not depend on the results of the calculation of the calculator.

Commercial bank name, official website, phone numbers	JSCMB "Ipoteka-bank", www.ipotekabank.uz Phone:(78) 150-11-22, Call-centr:1233
Deposit amount (Enter the amount and calculate the total value of the deposit)

Calculation graph
Deposit period (in months) (Insert the required month.)
Deposit percentage (in percent) (Enter the appropriate deposit percentage)
The total amount of interest in UZS	0
Total amount of deposit	0