December 6, 2013 9430

Yesterday we reviewed the best deals on . There were many such deposits, the yield on them also could not but please.

Today we turned to currency with terms of placement: 3, 6 and 12 months.

As profitable as investments in Belarusian rubles, unfortunately, it is impossible to name them, but anyone in the world will envy the stability of rates national currency.

The maximum rate on deposits for 3 months has reached 5% per annum, for 6 months - 5.2% per annum, and on 12 - 5.5% per annum.
Learn more about the best deals you will be able tables.

Deposits for 3 months:

*Bank*	*Term*	*Amount limits*	*Bid*	*Availability of capitalization*		*Possibility of replenishment*	*$5,000 profit*
BPS-Sberbank / Anniversary	90 days	from 100$	5% (fixed. First 3 months)	capitalization or payout	No	Yes	62,76
Technobank / Deposit for 95 days	95 days	from 100$	5% (fixed)	payment at the end of the term	No	Yes	62,5
Belagroprombank / Growth line 2.0	90-180 days	without Borders		payout or capitalization	Not, partial withdrawal allowed when recalculating interest at 2/3 of the current rate	Yes	61,5

Deposit "Anniversary" can be issued for 95 days under fixed 5% per annum. The amount of the deposit must be at least 100 US dollars. Partial withdrawal is not provided by the program, but replenishment is allowed.

In addition to BPS-Sberbank 5% per annum offer in . The rate is also fixed, which means it will not change throughout the entire placement period. It should be especially noted that the payment of interest is carried out at the end of the validity period without capitalization. Only when placing funds for longer periods can one count on monthly capitalization.

And again "Growth Line 2.0" is ready to please its customers with rates from 4,8 before 5% per annum. As well as for other offers for 3 months, only the possibility of replenishing the deposit is provided.

Deposits for 6 months:

*Bank / Deposit*	*Term*	*Amount limits*	*Bid*	*Availability of capitalization*	*Possibility of withdrawal without loss of interest*	*Possibility of replenishment*	*$5,000 profit*
Technobank / Deposit for 180 days	180 days	from 100$	5.2% (melting)	capitalization or payout	No	Yes	131,42
Alfa-Bank / Alfa-Mix	6 months	from 300$	5% (melting)	capitalization or payout	allowed, without recalculation of interest twice in calendar month, but not more than 20% of the deposit amount on the date of withdrawal.	allowed, except for 2 months preceding the deposit return date	126,31
BPS-Sberbank / Yubileiny	for 190 days	from 100$	5.00% (first 3 months fixed)	capitalization or payout	No	Yes	126,31
Belagroprombank / Growth Line 2.0	91-180 days	without Borders	1-500 -4.8%, 501-5000 -4.9%, 5001 and over 5.0% (melting)	payout or capitalization	No, based on 2/3 of the current interest rate	Yes	123,76

The leader among offers for 6 months was , where the rate reached 5,2% per annum. The deposit is made in the amount of at least 100 US dollars. An important detail is the possibility of interest capitalization.

In , as well as in fixed rates in 5% per annum. Replenishment of the deposit is possible in both cases, but partial withdrawal only in , and only under certain conditions.

For a period from 91 to 180 days, a rate of 4,8 - 5% per annum.
Also offers from 4% and above can be found in , and .

Deposits for 12 months:

*Bank*	*Term*	*Amount limits*	*Bid*	*Availability of capitalization*	*Possibility of withdrawal without loss of interest*	*Possibility of replenishment*	*$5,000 profit*
Bank Moscow-Minsk/ Charodey+	12 months	from 500$	5+ bonus 0.5%(USD, EUR)* (fixed for first 3 months)	Yes	yes, after 3 months	Yes	282,04
Belgazprombank / Standard	1 year	Without Borders	5.50% (melting)	Yes	No	Yes	282,04
Technobank / Deposit for 360 days	360 days	from 500$	5.50% (melting)	capitalization or payout	No	yes, but at the discretion of the bank	282,04
Belagroprombank/ Growth Line 2.0	from 6 months to 1 year	without Borders	1-500 - 5.2%, 501-5000 -5.3%, 5001 and over 5.4% (melting)	payout or capitalization	based on 2/3 of the current interest rate	Yes	271,53

5,5% per annum offer 3 banks at once:
The rating was compiled on December 5, 2013 and does not take into account possible changes in the future.

Belagroprombank is one of the most important financial institutions Belarus. The bank serves both private and legal entities and is rightfully considered the most popular in the country according to the choice of users in 2017.

JSC "Belagroprombank" was registered in 1991. This is the main organization of the banking holding, which includes a number of largest enterprises and institutions of the republic.

The authorized capital of the organization and equity is 44.1% and 37.8% of banking system countries, respectively.

It's stock commercial Bank. According to peer review Fitch Ratings joint-stock company category B was awarded in the long-term category and level B in the short-term category.

This means that the organization provides the same profitable terms both short term and long-term deposits. In addition, the agency reiterates the Stable rating in relation to the long-term forecasts.

Belagroprombank is recognized as the best banking organization countries in 2016 and 2017.

Deposits in Belagroprombank

Belagroprombank provides opening and maintenance of investments both in Belarusian rubles and in foreign currency.

The institution offers irrevocable deposits and revocable, that is, those that can be withdrawn before the agreed period. In general, the rate of the latter is 5–10% higher.

Standard

Term irrevocable deposit with a variable or fixed rate. It assumes opening in Belarusian rubles, euro, US dollars and Russian rubles. The contract is valid for at least 95 days, as a maximum - from 735 days.

Important! If the deposit is opened for a period longer than 735 days, it becomes possible to replenish it.

The conditions are as follows:

the fixed rate for an account in Belarusian rubles reaches 6-7%, for Russian - 4.5-5%. If a we are talking about the euro, the rate reaches 0.4-1%, and if about dollars - 0.6-2.1%. The amount of charges is determined by the duration of the offer;
the variable rate is higher: if you open an account in the national currency, then the accruals are 9.1–11%, in Russian - 4.5–6.5, in euros – 0.6–1.8, in dollars – 0.9– 2.7%;
the minimum allowable contribution is 50 units, except for Russian rubles. Here the minimum deposit is not less than 3000;
with fixed charges, the contract can be concluded for a period of 95 to 735 days, with a variable - from 95 to 1110;
It is prohibited to withdraw any amount during the term of the agreement. You can replenish your account only under certain conditions.

Growth line 3.0. Up to a year

A relatively new savings option that allows the use of 4 available currencies.

The deposit does not imply capitalization, as it refers to revocable types. The consumer can withdraw money from the account at any moment.

The conditions of the deposit ensure the high popularity of this product:

A variable rate is assumed for all types of investments. The amount is calculated and paid monthly. Its value is determined by the duration of the contract and the currency. So, if an account is opened in Belarusian rubles for 35 days, then the rate is 4%, for a duration of 95 - 4.5%, and with a maximum duration of 185 days, the rate reaches 5.5%.

A deposit in Russian monetary units for 35 days guarantees the accrual of 3%, for 95 - 4%, and for 185 - 4.5%.

The rates on foreign currency investments are lower: for example, the euro for 35 days is multiplied by 0.3%, with a duration of 95 days - by 0.5%, with 185 - 1%. Bets on dollar deposit are calculated in the same way as for the euro.

The smallest down payment is 10 Belarusian rubles, 500 Russian rubles, 10 dollars or 10 euros.
Possible terms of the contract: 35, 95, 185 and 280 days.
Replenishment is allowed: not less than 1 Belarusian ruble, 100 Russian, 5 dollars or 5 euros.
If at the end of the agreement the owner did not take the amount, an automatic extension is carried out for the same period. The procedure is performed 8 times if the validity period is 35 days, and 2 times if it is 95 days. For a further extension, the presence of the account holder is required.
Deposits for 185 and 280 days are not automatically overcome.

Important! If the full amount can be returned at any time, then a partial withdrawal is not allowed.

Growth line 3.0. Over a year

The revocable contribution, as well as the previous one, however, has some differences. Firstly, the terms of the offer here are significantly increased.

Secondly, the product involves capitalization, that is, accruals can be either transferred to the consumer’s account or added to the fixed capital for multiplication. This issue is decided by the consumer at the time of the conclusion of the agreement.

There is a variable rate for each of the 4 currencies. If Belarusians are placed on the account monetary units for a period of 370 days to 37 months, the rate is 8%, if Russian, then 4%. A deposit in dollars with a minimum duration provides an increase of 1.5%, with a contract term of 735 days - 1.8%, with a maximum - 2%. The deposit in euro for 370 days increases by 0.4%, for 735 days and 37 months - by 0.5%.
The initial payment in Belarusian rubles must be at least 10 units, in Russian - 500, in euros - and dollars - 10 units.
The duration of the contract is 370 days, 735 and 37 months.
This option does not involve either replenishment or partial withdrawal of the amount. You can only remove it completely.
Renewal without the participation of the account holder is not allowed. If the latter does not require a refund, the entire amount is transferred to the "On Demand" deposit. Charges in this case are made in accordance with this tariff.

Important! The deposit may be opened for another person.

Care

Special product for pensioners. It is opened only in the national currency and is designed for saving and accumulating funds.

The conditions are very favorable for investors:

the rate is fixed at 7.9%;
to open, you need to deposit 10 Belarusian rubles;
the duration of the agreement is 270 days. It may be extended;
the account is allowed to replenish 253 days after its opening;
withdrawal of money in installments is allowed.

@gro

There is an option for both revocable and irrevocable deposits. The rates in the latter are higher, but the rest of the conditions are very similar.

The deposit is possible in 4 main currencies.

The amount of accruals varies depending on the term of the investment. The amount in Belarusian rubles left in the bank for 35 days will bring 5%, for 370 - 8%. Under the same conditions, accrual in dollars is defined as 0.7% and 1.6%, in euro - 0.2 and 0.5%. The minimum rate in Russian rubles reaches 3%, the maximum - 4.1%.
To form a deposit, you will need 50 Belarusian rubles, 2000 Russian rubles, 25 euros or dollars.
The duration of the offer ranges from 35 to 370 days.
It is possible to replenish the account if the contract lasts more than 95 days. Partial withdrawal of funds is not possible.

How to open a deposit online?

Belagroprombank offers its customers all the advantages of Internet banking. The user can use any banking product without leaving home.

Important! Opening a deposit is available only to those customers who are holders of the bank's plastic card.

There are 2 ways to conclude an agreement. If an individual is a bank user, he can make a deposit through Personal Area.

If a citizen is a client of Belagroprombank, has not created a personal account, but is already registered as a user of the Internet banking system, then he can use the passwords he already has.

The registration procedure, except for the entrance itself, is not too different:

1. The client needs to go to the start page of "Belagroprombank" and select the section "Individuals".

2. You can enter your personal account using your password and login or using the MSI data.

3. To perform manipulations with the account, the consumer will need a key card or a secret code. Another option is a session key. It is received for each session. The key remains valid until the end of the session.

4. After confirming the code or identification, the client is on the personal account page.

Important! Transferring money, paying bills, processing transactions is possible using the mobile version of banking.

5. In the list of available services, select "Opening a deposit".

6. For registration, there is no need to fill out all the documents, since the client's data is already available in the bank's database. It is enough to confirm the compliance of the information by checking the box "I confirm personal data". Then click on "Continue".

7. The tab that appears contains a list of all types of deposits. The client can get the most detailed information about any of them. Suitable option check the box and click Continue.

8. Then you need to select and indicate the card from which you want to withdraw money. In the table that appears, you need to check the correctness of all the entered data.

9. In the "Pay from the account" field, the client indicates the details of the required card, and in the "Initial payment" column, enters the amount.

Important! You can open a deposit only in the currency of the card from which the money is transferred. Currency conversion is not possible.

10. To conclude a contract, you must read the contract. If the conditions are suitable, the user confirms his consent.

11. In the next section, the client confirms his intention to open a deposit.

12. The system will require you to specify the transaction confirmation method. The method selects the contributor and marks the selected item with a checkmark. He then clicks the Continue button and enters the session key as confirmation. Then click on the "Submit" button.

Registration is carried out automatically in the database of Belagroprombank. The deposit after the transfer of money appears on the main page of your personal account.

Here you can get an extract or replenish the deposit, if it is allowed by the terms of the contract.

Mobile banking makes it somewhat easier to use. If you perform operations from your smartphone, there is no need to enter unique digital codes and names each time.

It is enough to come up with a five-digit numerical combination as a code to enter. After typing it, the application transfers the client to the start page of his personal account.

The registration procedure itself is performed in almost the same way, but all manipulations are carried out from the "Accounts" tab.

Benefits of working with Belagroprombank

Belagroprombank - largest bank Belarus. According to expert evaluation, it is considered the most reliable in the long run.

However, its advantages are not limited to reliability:

the organization offers registration of deposits for the most different term– from 35 days, and on the basis of minimum contributions;
the consumer is offered both revocable deposits - it is allowed to withdraw money before the expiration of the offer, and irrevocable;
opening an account in 4 currencies is available: Belarusian and Russian rubles, euros and dollars;
it is possible to choose an option with both a fixed rate and a variable rate, both with and without the possibility of capitalization;
a number of offers have a replenishment function;
the bank offers several options in which it is possible to partially withdraw money from the account without losing the deposit as such;
the institution offers remote management of its accounts through Internet banking.

Belagroprombank is a state-controlled commercial bank. The institution involves a number of deposits on a variety of conditions and for any category of the population.

Today, in 2016, offers on deposits in banks of the Republic of Belarus are in no way inferior in terms of profitability to Russian, Moscow, various offers for, Sberbank and other popular banks.

OJSC Belagroprombank has been operating for 20 years and is included in the TOP-1000 of the best banks in the world, and also has the 18th position in the list of the 25 largest banks in Eastern and Central Europe.

Deposits in Belagrorombank in foreign currency - interest on deposits

Belagroprombank offers several options for various categories of citizens in Russian and Belarusian rubles, dollars and euros.

Internet contribution "@gro"

The currencies in which you can make a deposit under this program are Belarusian rubles, dollars, euros and Russian rubles. Wherein minimum amount the deposit is 50 Belarusian rubles, 25 dollars, 25 euros or 2 thousand Russian rubles. Partial withdrawal of funds is not provided, however, you can replenish the deposit if you wish. You can make a deposit for a period of 95 to 185 days, while the interest rate will be as follows:

15.5-16% for Belarusian rubles;
2.5-3% for dollars and euros;
10-12% for Russian rubles.

If you want to withdraw money from the deposit ahead of schedule, interest will be accrued to you at the “Demand” rate, which means that your earnings will be partially preserved. But the most important thing about the deposit is that you can make it without leaving your home, right on the Internet.

Deposit "Standard"

It's urgent irrevocable deposit. Minimum deposit amount: 50 Belarusian rubles, 50 dollars or euros and 3 thousand Russian rubles. Replenishment of the deposit is allowed, but partial withdrawal of the amount is not possible. If you want to make a deposit in Belarusian rubles, then you will expect an interest rate of 17-20.5%, if in dollars and euros - 2.5-4%, and if in Russian rubles, then your profit will be 8-12% per annum, while in foreign currency terms are in the range of 95-735 days. Such conditions can compete with.

Deposit "25 years together"

The minimum amount of this special deposit is 100 Belarusian rubles, 100 dollars or euros and 5 thousand Russian rubles. Interest rate depending on the period - fixed and variable. The period that you can determine for yourself varies between 95 and 370 days. At the same time, the highest interest rate will be for Belarusian rubles - 16%, for dollars and euros - 2.8%, and for Russian rubles - as much as 12%, which is quite a lot for foreign exchange. Interest on the deposit is calculated every 10 days, which is very unusual for deposits. Replenishment of the deposit is also allowed, but, unfortunately, partial withdrawal of money from the account is not possible. If you want to terminate the agreement ahead of schedule, you will receive interest at the rate of the “On Demand” deposit for up to 95 days. And in the period from 95 to 370 days, you will not lose interest at your own rate, which significantly adds to the pluses of the “25 years together” deposit.

Contribution “Line of Growth 3.0. Up to a year"

This deposit has a minimum amount that will please those who want to earn money, but do not have an impressive amount of capital. After all, it is only 10 Belarusian rubles and 10 for the dollar and the euro, and for Russian rubles the minimum amount is only 500 units. Shelf life can be from 35 to 280 calendar days, and interest rates for Belarusian rubles are 14-16%, for dollars and euros - 1.5-3%, and for Russian rubles - 8-11%. Earnings in the form of interest are accrued every month and paid in cash or via bank transfer. Replenishment of the deposit is allowed, but partial withdrawals are not allowed Money. Prolongation and early termination of the deposit is available at the “On Demand” tariff.

Contribution “Line of Growth 3.0. Over a year"

The conditions for the deposit are the same as in the previous one. But interest rates are fixed at maximum height, namely: 16% for Belarusian rubles, 3% for dollars and euros and 12% for Russian rubles.

Current bank account

The current settlement bank account of Belagroprombank is designed to provide it for storage and crediting of funds. By opening this account, you can:

transfer money to a current account;
transfer money from a current account to any other, including the bank itself;
receive cash from the current account;
perform other operations that do not contradict the legislation of the Republic of Belarus.

For Belarusian rubles, the rate is 0.5%, for dollars, euros and Russian rubles - 0.1%.

Advice: if your initial goal is the convenient accumulation of funds with the possibility of constant replenishment, withdrawal, transfer, payment of bills and other operations, then the offer for the current settlement bank account For you.

Deposit "On Demand"

The “On Demand” deposit seems to have been created specifically for those who do not want to bother with numbers and have risks of early withdrawal of funds. In addition, the conditions for the deposit are very simple. You can open an account for any amount in any currency offered. At the same time, the interest rate in standard Belarusian rubles will be 2%, and in foreign currency 0.1%.

Deposit in Belagroprombank for pensioners

Belagroprombank has developed a special deposit for pensioners at profitable preferential terms. All that a pensioner needs to open a deposit is to confirm his social status, that is, to present documents confirming the right to benefits. However, the "Pension" deposit at 2% per annum, unfortunately, does not imply an account in foreign currency.

TERMS AND CONDITIONS OF THE TERM BANK DEPOSIT (DEPOSIT) AGREEMENT

«SYSTEM OF SAVINGS LINE OF GROWTH 2.0»

These Terms fixed-term agreement bank deposit(deposit) "Savings System Growth Line 2.0" (hereinafter referred to as the Conditions) are integral part term bank deposit agreement "Savings System Growth Line 2.0" (hereinafter referred to as the Agreement), concluded (hereinafter referred to as the Depositor) and an individual (hereinafter referred to as the Depositor), and determine the rights, obligations and other conditions binding on the parties to the Agreement.

The amount of the deposit (deposit), the currency of the deposit (deposit), the amount of interest, the term for the return of the deposit (deposit) and other essential conditions, provided by law Republic of Belarus are specified in the Agreement.

1. The procedure for establishing and changing interest rate on the deposit (deposit).

1.1. The interest rate on the deposit (deposit) on the date of conclusion of the Agreement is determined depending on the currency of the deposit (deposit), the period of storage of the deposit (deposit) and the amount of the initial contribution Money in a deposit (deposit) in accordance with the Table of interest rates on a term bank deposit (deposit) "Savings System Growth Line 2.0", published: in the Zvyazda newspaper, on the official website JSC"Belagroprombank" on the Internet ( www. belapb. by ), as well as placed on the information stands of the Contributor. The table of interest rates on a term bank deposit (deposit) "Savings System Growth Line 2.0" is an integral part of the Agreement. When making transactions on a deposit (deposit), the table of interest rates on a term bank deposit (deposit) “Growth Line Savings System 2.0” is used, which is valid at the time of the corresponding transaction.

1.2. The interest rate on a deposit (deposit) can be changed:

1.2.1. Contributor to unilaterally in accordance with the changes made by the decision of the Authorized body of the Depositor to the Table of interest rates on term bank deposits (deposits) "Savings System Growth Line 2.0". In this case, the reduction by the Contributor of the interest rate is made after 1 (One) month from the date of prior notification of the Contributor. An increase by the Contributor of the interest rate is made from the date of prior notice to the Contributor. Preliminary notification of the Depositor about the change in the interest rate is made by the Depositor by publishing the amended Table of Interest Rates on the term bank deposit (deposit) "Savings System Growth Line 2.0" in the Zvyazda newspaper, on the official website on the Internet, as well as by posting it on their information stands. The date of advance notice is the date of publication in the newspaper;

1.2.2. automatically, if the balance of funds on the deposit (deposit) account corresponds to a different interest rate, in comparison with the current interest rate, according to the Table of interest rates for a term bank deposit (deposit) "Savings System Growth Line 2.0". In this case, the date of change in the interest rate is the date of formation of the corresponding amount of funds in the deposit (deposit) account;

1.2.3. automatically, with an increase in the term of deposit (deposit) in accordance with clause 3.7. Terms. In this case, the interest rate corresponding to the new deposit (deposit) term is applied according to the Table of Interest Rates for a Term Bank Deposit (Deposit) "Savings System Growth Line 2.0". The day of change of the interest rate is the day of the due date for the return of the deposit (deposit) determined by the Agreement.

2. Rights and Obligations of the parties.

2.1. The contributor undertakes:

2.1.1. On a monthly basis, after the expiration of each month from the date of receipt of the deposit (deposit) amount to the deposit (deposit) account of the Investor, accrue interest on the amount of the deposit (deposit) in the amount specified in clause 6 of the Agreement and pay them to the Depositor by non-cash transfer to the deposit (deposit) account opened under the Agreement (added to the amount of the deposit (deposit)) or non-cash transfer to the account specified by the Depositor in the application. In case of cancellation of the application by the Depositor, interest is paid by adding it to the principal amount of the deposit (deposit).

2.1.2. On the day of the due date for the return of the deposit (deposit), accrue interest on the amount of the deposit (deposit) in the amount provided for in paragraph 6 of the Agreement and pay themby adding to the main amount of the contribution (deposit).

2.1.3. By at the end of the deposit (deposit) period, pay the amount of the deposit (deposit) in cash or by bank transfer to the account specified by the Depositor in payment order(statement).

2.1.4. In the event that the Depositor claims the amount of the deposit (deposit) before the date of its return (early termination of the Agreement), or early withdrawal of a part of the deposit (deposit) (including accrued interest), pay the claimed amount in cash or by bank transfer to the account specified by the Depositor in payment order(application) within 5 (Five) calendar days from the date of presentation of the Depositor's request in writing.

2.1.5. Keep banking secrecy contribution (deposit) in the manner prescribed legislative acts The Republic of Belarus.

2.2. The depositor undertakes:

2.2.1. Notify the Depositor in writing no later than 5 (Five) calendar days in advance of the intention to terminate the Agreement ahead of schedule or to claim part of the deposit (deposit) ahead of schedule (including interest added to the amount of the deposit (deposit)), indicating the amount of funds claimed.

2.2.2. Within 10 (ten) calendar days from the date of the change, inform the Depositor of all changes in the data of the document proving his identity and (or) place of residence (as well as the change in the last name, first name, patronymic, data of the identity document of an individual, to the name which the contribution (deposit) is being made - for the Agreement in the name of another person).

2.3. The contributor has the right:

2.3.1. Change the interest rate under the Agreement in accordance with paragraph 1 of these Terms.

2.3.2. Renumber unilaterally personal account caused by changes in the legislation of the Republic of Belarus, the rules for maintaining accounting, reorganization (change organizational structure) Contributor, change software used for transactions without prior notice to the Depositor and the conclusion of an additional agreement.

2.3.3. Write off by payment order, unless otherwise provided by the legislation of the Republic of Belarus, from the Depositor's account the funds credited to the account as a result of a technical error.

2.4. The depositor has the right:

2.4.1. Before the due date for the return of the deposit (deposit), claim the amount of the deposit (deposit), in the manner specified in clause 2.2.1. of these Terms.

2.4.2. Replenish the amount of the deposit (deposit) in accordance with these Terms and the Agreement by making additional contributions into a deposit (deposit) in the currency of the deposit (deposit) in cash or by bank transfer in accordance with the legislation of the Republic of Belarus, if the Depositor has not suspended (not terminated) the acceptance of additional contributions.

2.4.3. Partially claim the amount of the deposit (deposit) (including interest added to the amount of the deposit) in accordance with paragraph 2.2.1 of these Terms. The partially claimed amount of the deposit (deposit) is considered to be the most previously paid amount (amounts) of funds in the deposit (deposit).

2.4.4. The amount of expenses and credit operations on a deposit (deposit) when they are made in cash or by bank transfer in accordance with the legislation of the Republic of Belarus, it cannot be less than 10,000 (Ten thousand) Belarusian rubles for deposits (deposits) in Belarusian rubles, 5 (Five) US dollars for deposits (deposits) in US dollars, 5 (Five) euros for deposits (deposits) in euros, 100 (one hundred) Russian rubles for deposits (deposits) in Russian rubles.

2.4.5. Dispose of the contribution (deposit) personally or through a representative.

2.4.6. Issue powers of attorney and draw up testamentary dispositions on a deposit (deposit) in accordance with the legislation of the Republic of Belarus. Powers of attorney for the representative to receive payments and testamentary dispositions with the rights to funds under the deposit (deposit) can be certified directly in the subdivision of the Contributor in which the Agreement is concluded, unless otherwise established by the Contributor and (or) the legislation of the Republic of Belarus.

2.4.7. Receive statements on a deposit (deposit) account.

3. The order of accrual and payment of interest on the deposit (deposit).

3.1. When calculating interest on a deposit (deposit), the number of days in a year is assumed to be 365 (or 366) and the exact number of calendar days in a month.

3.2. Interest on the deposit (deposit) shall be accrued by the Contributor from the date of receipt of the amount of the deposit (deposit) to the deposit (deposit) account of the Depositor, inclusive, up to the day preceding the day of return of the deposit (deposit). If the date of return of funds on the deposit (deposit) falls on a non-working day, then the return of funds on the deposit (deposit) is made on the first business day following the non-working day. At the same time, interest on the deposit (deposit) for non-working days is calculated and paid at the rate established for the deposit (deposit).

3.3. When accruing interest on a deposit (deposit), all changes in the interest rate and the actual daily cash balances on the deposit account are taken into account.

3.4. In case of early return of the deposit (deposit) (early termination of the Agreement) at the request of the Depositor, interest on the deposit (deposit) is accrued for the period of its actual storage, added to the amount of the deposit (deposit) and paid to the Depositor together with the amount of the deposit (deposit) in cash or non-cash by transfer to the account specified by the Depositor in the Application.

3.5. In the event that the Depositor claims the amount of the deposit (deposit) before the date of its return (early termination of the Agreement) or partial claim of the amount of the deposit (deposit) at the request of the Depositor during the storage period, the Contributor shall recalculation interest on the amount claimed ahead of schedule (except for accrued interest).

The following interest rates apply to the calculation of interest:

on demand in the period from the 1st to the 90th day of storage (inclusive) - the rate on the deposit (deposit) "On Demand" in the relevant currency, effective on the date of the transaction;

on demand in the period from 91 to 2000 days of storage (inclusive) - 2/3 (two thirds) of the interest rate applicable under the Agreement in the relevant period. The interest rate is rounded to two decimal places according to the rules of arithmetic rounding.

When claiming a part of the deposit (deposit) in an amount not exceeding the amount of interest added to the deposit (deposit), recalculation of interest on the partially claimed amount is not performed.

3.6. In case of early return of the deposit (deposit) (or part thereof), the Contributor determines the difference between the interest actually paid to the Depositor until the early termination of the Agreement (partial withdrawal) and the amount of interest calculated in accordance with clause 3.5. of these Terms. If the amount of interest paid exceeds the amount calculated in accordance with clause 3.5. of these Terms and Conditions, the Depositor is obliged to return to the Depositor the amount of the excess interest paid to the Depositor. In this case, the Contributor shall return to the Depositor the claimed amount of the deposit (deposit) minus the resulting difference. The amount of interest overpaid to the Depositor is withheld by the Depositor by a payment order, unless otherwise provided by the legislation of the Republic of Belarus, from the amount of the deposit (deposit).

3.7. If the Depositor does not demand the return of the deposit (deposit) within the period stipulated by the Agreement, the deposit (deposit) storage period is increased to:

the maximum possible in the range of the Table to which the stipulated by the treaty retention period (for deposits, the retention period for which does not correspond to the maximum possible period in the range of the Table);

the maximum possible storage period in the following range of the Table (for deposits, the storage period for which corresponds to the maximum possible period in the range of the Table).

From the date of extension of the storage period, the interest rate on the deposit (deposit) is set in accordance with the new storage period of the deposit (deposit). The date of change of the interest rate is the day of the due date for the return of the deposit (deposit) determined by the term bank deposit (deposit) agreement.

The maximum storage period for a deposit (deposit) is limited maximum term table storage.

3.8. In case of early termination of the Agreement with a storage period extended in accordance with clause 3.7. of these Terms, recalculation interest income on the terms of paragraphs 3 of these Terms is made only for the period from the date of the last extension of the storage period to the day preceding the date of early return of the deposit (deposit).

3.9. If the Depositor does not require the return of the deposit (deposit) after the expiration of the maximum possible period of its storage, determined in accordance with clause 3.7. of these Conditions, the Contributor by a payment order, unless otherwise provided by the legislation of the Republic of Belarus, transfers the amount of the deposit (deposit), taking into account accrued interest to the account for accounting deposits (deposits) "On Demand" individuals. From the date of the specified transfer on the amount of the deposit (deposit), interest is accrued monthly and added to the amount of the deposit (deposit) in the amount established for the deposit (deposit) "On Demand" in the relevant currency. The interest rate on the deposit (deposit) "On Demand" may be unilaterally changed by the Depositor with prior notice to the Depositor. The date of advance notice is the date of the earliest publication of information about changes in the interest rate in in mass media. At the same time, if the Depositor increases the interest rate of its new size applies to the deposit (deposit) from the day specified in the decision of the authorized body of the Contributor, but not earlier than the day of prior notification. If the Depositor reduces the interest rate, its new amount is applied to the deposit (deposit) after one month from the date of prior notice to the Depositor. The amount of the deposit (deposit) "On Demand", taking into account the accrued interest, is payable to the Depositor in cash or by bank transfer upon presentation of a demand by the Depositor.

4. Optional terms.

4.1. Withdrawal of funds from the Depositor's account and interest on the deposit (deposit) is made at his request upon presentation of an identity document in accordance with the legislation of the Republic of Belarus. The issuance of funds from the Depositor's account and interest on the deposit (deposit) to another person is made upon presentation of a duly executed power of attorney and an identity document in accordance with the legislation of the Republic of Belarus directly in the subdivision of the Depositor in which the Agreement is concluded, unless otherwise established by the Depositor. The issuance of funds from the Depositor's account and interest on the deposit (deposit) to the heirs specified in the testamentary disposition, or to the heirs by law or testament is made directly in the subdivision of the Contributor in which the Agreement is concluded, unless otherwise established by the Contributor, upon presentation of the following documents that remain for the Contributor: applications for the issuance of a deposit (deposit) indicating the details of an identity document in accordance with the legislation of the Republic of Belarus; a copy of the certificate of the right to inheritance, certified by a notary or by the Contributor, or another document replacing it in accordance with the current legislation of the Republic of Belarus. The depositor certifies a copy of the certificate of inheritance (or other document) after checking with the original. In addition, the heir is obliged to present an identity document in accordance with the legislation of the Republic of Belarus.

4.2. When paying a deposit (deposit) and/or interest on a deposit (deposit) in cash foreign exchange in an amount that is not a multiple of the minimum face value banknotes of the corresponding foreign currency, the Depositor undertakes to sell, and the Contributor to buy, a part of the currency, in an amount that is not a multiple of the minimum face value of a banknote of the corresponding foreign currency at the purchase rate of the corresponding foreign currency in cash, established at the time of the transaction at the Depositor's cash desk.

4.3. The contract can be terminated earlier due date only at the request of the Investor. The terms of the Agreement may be changed by agreement of the Depositor and the Depositor, as well as at the request of the Depositor or the Depositor in case of entry into force of regulatory legal acts Republic of Belarus, changing the procedure for regulating these legal relations and having retroactive effect. All changes and additions shall be made in writing and signed by the Contributor and Contributor.

5. Specialterms.

5.1. The contributor shall carry out Bank operations on attracting funds from individuals in deposits and deposits on the basis of a license to carry out banking № 2 dated 01.01.01, issued National Bank The Republic of Belarus.