Qulay

                      THE MAIN TERMS AND CONDITIONS OF THE DEPOSIT

Name

“QULAY” online term deposit in national currency

The registration object

"Ipoteka Mobile" app accepts funds in electronic form

Date of receipt

September 27, 2021

Term

24 months

Annual interest rate

22%

Minimum amount

100 000 UZS

The top up of funds

Not available

Interest calculating

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

Interest payments

Automatically transferred to the e-wallet account every month

Capitalization

Not available

Premature withdrawal

In case of early termination of the deposit agreement:

-       21% from 18 months to 24 months;

-       20% from 12 months to 18 months;

-       19% from 9 months to 12 months;

-       18,5% from 6 months to 9 months;

-       17,5% from 3 months to 6 months;

-       17% from 1 months to 3 months;

-       at the demand deposit rate up to 1 months

Subsequent stage after expiration of the term

Deposits are automatically transferred to the "Electronic Wallet" account at the end of the storage period

Registration procedure

Electronic offer agreement

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"