The information presented on this site is based on the understanding of Altyn Bank JSC (SB of China CITIC Bank Corporation Ltd) (hereinafter referred to as the “Bank” or “Altyn Bank”) of the legislation and practice of its application existing at the time of publication. Future changes in legislation, taxation and application practices may affect the content of the site. This information should not be considered as professional advice or it should not be relied upon in this sense. Persons visiting these pages are advised to seek appropriate professional advice from competent professionals. In some cases, the information provided on this website has been obtained from other sources, and although Altyn Bank and its branches make efforts to ensure the accuracy of all information, they do not make any representations or warranties regarding the accuracy of this information and do not carry liability for errors or omissions. Persons visiting these pages are advised to seek the necessary advice on legal, accounting, tax or investment issues from competent professionals.The information provided on this website is not and should not be regarded as an offer to sell or an invitation to make an offer to purchase or subscribe for any securities, financial instruments or services. Information obtained from sources that we considered to be reliable, but not subjected to independent verification; we do not make any representations or warranties and do not assume responsibility for the accuracy or completeness of this information.Altyn Bank, its affiliates and/or their officials, directors and employees may own securities or have positions in any securities mentioned on this website (or related investments), and may also be periodically acquire or dispose of any of these securities (or investments). Altyn Bank and its affiliates may act as an active participant in the securities market or take positions in the securities of companies considered on this website (or related investments), may sell or buy them directly from customers, and may also provide or intend to provide investment and bank services or underwriting services for these companies or in relation to them. More detailed information on our products and services can be obtained at the office of the Bank at the address: Altyn Bank JSC (SB of China CITIC Bank Corporation Ltd) of the Republic of Kazakhstan, A05A1B9, Almaty, 109 “B”, Abaya Ave. This site is not intended for persons who are residents of jurisdictions that restrict the dissemination of our information, or located in such jurisdictions. Persons visiting these pages need to obtain information on the relevant restrictions and comply with them.

We kindly ask you to carefully read the information below before using this website (the “Site”). By accessing the Site, you hereby agree to comply with the following conditions and reservations (“Terms and Conditions”). References to “you” and “your” are references to the person(s) who have access to the Site. References to “we”, “us” or “our” are references to Altyn Bank.

All our products and services are subject to the terms and conditions and reservation contained in the respective agreements on the basis of which such products and services are provided. These Terms and Conditions must be considered in conjunction with other terms and conditions and reservations posted on the pages of the Site. In case of any discrepancies, the conditions and reservations posted on the pages of the Site shall prevail over these Terms and Conditions. The information, materials and content of the pages of this Site are subject to change at any time without notice. These Terms and Conditions may be changed at any time without notice by updating this text. You agree to regularly review the Terms and Conditions, and your continued use of this Site means that you agree to any changes.

Neither the information nor any opinion contained on the Site constitutes an offer to sell or an invitation to make offers to purchase any securities, financial instruments or services, nor does it constitute advice or recommendation in relation to such securities, other financial instruments or services.

Currently, the Site is intended for persons accessing it from the territory of the Republic of Kazakhstan. In this regard, we cannot guarantee that this Site or the information on it is appropriate or suitable for use outside the Republic of Kazakhstan. You are solely responsible for the use of the Site by any person using your computer, and you must ensure that such person complies with these Terms and Conditions.

The following terms conditions exclude or limit our legal liability in connection with the Site. Please read them carefully. These terms conditions apply only to the extent permitted by law, in particular, we do not exclude or limit our duties and responsibilities to you. Despite the fact that we have taken reasonable steps to guarantee the accuracy, relevance, availability, reliability and completeness of the information contained on the Site, the information is provided “as is” and “as far as it is available”, while we do not give any guarantees or representations neither express nor implied. Your use of the Site is at your sole risk. We are not liable for any loss or damage of any kind arising from your use of the information contained on the Site, or as a result of your being based on it, as far as is legally permissible. We do not give any assurances or warranties that the Site will be available and will meet your requirements, that access to it will be permanent, that there will be no delays, refusals, errors, omissions or loss of information transmitted, that viruses and other harmful or destructive elements will not be transmitted or that your computer system will not be damaged. You are solely responsible for properly protecting and backing up data and/or equipment, and for taking reasonable and necessary precautions to detect computer viruses and other destructive elements. We make no representations or warranties regarding the accuracy, functionality or effective operation of third party software that may be used in connection with the Site.

The copyright to screen images, information and materials in their composition presented on this Site is owned by the Bank or used by it under license, unless otherwise indicated. You may print, copy, download or temporarily store fragments of our Site for personal information or when you use our products or services. You should not make any changes. Use for other purposes is prohibited without our prior written permission. In particular, the use of parts of our Site on any other web site or placing links to our Site on another web site without our prior written permission is prohibited.

If we provide hyperlinks to other sites or pages on the Internet, we do it solely for informational purposes. We are not responsible for the content of any websites or pages referenced on this Site or which contain links to this Site. We did not check the content of such sites. Following links to other websites or pages is carried out by you at your own risk, and we are not liable for any loss or otherwise in connection with these links. Links to software download sites are provided for convenience only and we are not responsible for any difficulties or consequences associated with downloading software. The use of any downloaded software is subject to the terms and conditions of the license agreement, if any, which accompanies the software or is provided with it. The information provided on our Site does not expressly or indirectly any confirmation or approval of any third parties or their advice, opinions, information, products or services.

As a result of your interaction with the Site, we can store and process your personal information, obtained when you access the Site, and use it to make credit decisions and maintain relationships with you, to prevent fraud and debt collection, to understand your financial needs, carrying out our activities and providing you with better quality services and products by the Bank, Halyk Group and separate third parties to evaluate the effectiveness of our marketing on the Site and statistical analysis. We may transfer this information to other Halyk Group companies or representatives in accordance with the law, so that they can perform similar actions, and they can pass on to us the information they have on you, so that we can take such actions. We do not disclose this information outside the Bank, except to prevent fraud and/or at the request of the law, state or judicial authority or agency or authorities that regulate our activities, with due authority, or on the basis of strict confidentiality of subcontractors or persons acting as our representatives, representatives of the Halyk Group, or with your consent or prior warning. All personal information stored by the Bank or its subcontractors or representatives is provided with a high level of protection against unauthorized or accidental disclosure, access or deletion. By accepting these Terms and Conditions, you agree that this information may be used and transferred to other persons in the manner indicated above.Altyn Bank collects and processes personal data of its customers. Such data is collected and processed in order to provide services and in accordance with applicable legislation.

These Terms and Conditions are governed by and construed in accordance with the legislation of the Republic of Kazakhstan.

Full name of the Bank: Altyn Bank Joint Stock Company (SB of China CITIC Bank Corporation Ltd).Location of the Bank: Altyn Bank JSC (SB of China CITIC Bank Corporation Ltd), the Republic of Kazakhstan, A05A1B9, Almaty, 109 B, Abay Ave.