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Investments and Deposits
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Description of the service
















































































































































































Name of deposit (Deposit)




Period




Annual interest on deposit




Notes




1




"On Demand"




Unlimited




1%




Deposits are accepted as cash and cashless and to be given to depositor on demand




2




"Consumption found"




1, 2, 3 years




1%




Deposits are accepted as cash only. Accrued interest on deposits monthly transferred for repay the "Consumer Credit" and accrued interest thereon.




3




«Wonderful Life»




6 months




24%




Deposits are accepted as cash, interests are monthly issued to depositor on demand. Additional funds are accepted (accumulated). In case of refusal to receive interest, the sum is added to the total amount of deposit and to be capitalized.




4




«Capital»




1, 2, 3 years




24%




Deposits are accepted as cash, interests are monthly issued to depositor on demand. Additional funds are accepted (accumulated). In case of refusal to receive interest, the sum is added to the total amount of deposit and to be capitalized.




5




«Pensioner»




18 months




24%




Deposits are accepted as cash, interests are monthly issued to depositor. Additional funds are accepted (accumulated). In case of refusal to receive interest, the sum is added to the total amount of deposit and to be capitalized. (This deposit type is open for pensioners).




6




«Merriment»




1 year




24%




Deposits are accepted as cash, interests are quarterly issued to depositor. Additional funds are accepted (accumulated). In case of refusal to receive interest, the sum is added to the total amount of deposit and to be capitalized.




7




«Investments plus»




1, 2, 3 years




18%




Deposits are accepted as cash, interests are monthly issued to depositor. The sum of interest is added to the total amount of deposit and to be capitalized.




8




«Communal»




from 1-st to 12- th months




18%




Deposits are accepted as cash, accrued interest on savings is to be used as deposit for utility payments. After expiration of period, deposit amount shall be returned to depositor or sent for utility payments on demand of depositor.




9




«Baby»




From 1-st to 12 age




20%




This deposit type is opened for under age children with presentation of birth certificate. Deposits are accepted as cash and as money transfer. In this case, deposits can be transferred on behalf of parents or relatives of the child, sponsoring person or organization. Additional funds are accepted (accumulated). In case of refusal to receive interest, the sum is added to the total amount of deposit and to be capitalized. Deposit and calculated interest are to be returned to depositor only upon expiration of deposit period at obtaining passport.




10




«Prosperous motherland»




3 months



6 months

9 months

12 months




22%



23%

24%

25%




Deposits are accepted as cash, interests are issued to depositor on expiration of deposit period.




11




«Abundance»




3 months




20%




Deposits are accepted as cash, interests are issued to depositor on expiration of deposit period.




12




«Abundant life»




18 months




25%




Deposits are accepted as cash, interests are issued to depositor on expiration of deposit period.




13




«Unusual»




15 days




14%




Deposits are accepted as cash with a period of 15 days from the 25th of the month to the 10th of the following month. Interests are issued to depositor on expiration of deposit period.




14




«Trust»




1 year




4%




Deposits are accepted in US Dollars, interests (in UZS) are issued to depositor on expiration of deposit period.




15




Guarantee




5 months




$1000 - 5%



$1000-5000- 5,5%

$5000-15000 - 6%




Deposits are accepted in US Dollars, interests (in UZS) are issued to depositor on expiration of deposit period.




16




Trust-plus




1 year




4,2%




Deposits are accepted in US Dollars, interests (in UZS) are issued to depositor on expiration of deposit period.




17




«Universal




3 months



6 months



1year




5%



6%



7%




Deposits are accepted in US Dollars, interests (in same currency as deposit made) are issued to depositor on expiration of deposit period.




18




Plast card




On demand




0,5%




Interests on deposits with monthly capitalization




19




«Treasure card»




On demand




2%




Interests on deposits with monthly capitalization




20




«The joy of woman»




12 months




25%




21




«Student»




6 months,



1, 2, 3, 4 year




25%




22




«Swallow»




3 months



6 months



9 months



1 year




22%



23%



24%



25%




Deposits are accepted as cash, interests are monthly issued to depositor at expiration of deposit period.




23




«Gift of independance»




1, 2, 3, 4, 5 years




21%



22%



23%



24%



25%




Deposits are accepted as cash, interests are monthly issued to depositor.


Sphere of the service

Banking and Financial Services

Category of the service recipient


Individuals.

The organization

Joint-Stock Commercial Microcreditbank

Contacts

Address: 14, Lutfiy str., 100096, Tashkent



Tel.: (+998 71) 273-05-86



Fax: (+998 71) 273-05-86



Helpline: (+998 71) 150-56-47

Documents required to get the service


To open a bank account by individuals, they shall submit application for opening an account and proof of applicant’s identity.

Legal basis for service provision


Resolution of the Cabinet of Ministers №181 dated of August 23, 2007

Cost and method of payment for the service


Free-of-charge.

Period of dealing with an application


Bank opens account within two working days after submission of necessary documents

Methods for obtaining results


Personally.

Result of the service


Opening of bank account.

Reasons for refusal


In case of submission improper documents.

Order of appeal


Appeal to respective authority.

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