Notification on unilateral refusal from execution of the Bank Service Contracts for the individuals as to servicing the current accounts

Dear individual clients!

“Jusan Bank” JSC would like to inform you that in accordance with the legislation of the
Republic of Kazakhstan (clause 1 of article 29 of the Law of the Republic of Kazakhstan
“On payments and payment systems”), the Bank is entitled to repudiate the Bank Account
Contract in cases of lack of money on the client’s bank account beyond one year, as well as
absence of money movement on the client’s bank account beyond one year (except for the
accounts, intended for accrual of the allowances, social payments, paid from the state
budget and (or) the State Social Insurance Fund).

In view of the above, the Bank hereby notifies you of termination of Personal Current
Account Agreement effective 01.03.2023 (within March 2023) of the Comprehensive Retail
Banking Agreement (within current accounts opened with Jusan Bank JSC from 29 April
2019), the Bank Account Agreement with an individual and the Current Account and
Payment Card Issuance Agreement with an individual (within current accounts opened with
ATF Bank JSC from April 2014) regarding unilateral maintenance of current accounts
(including current accounts with a payment card) and closing current accounts (including
current accounts with a payment card) where no money has been available for more than
one year and there has been no movement on the account.