1 «INTERNET-BANKING FOR CORPORATE CLIENTS» SYSTEM HALYK BANK OF KAZAKHSTAN Best Bank in Kazakhstan 2010, Global Finance, March, 2010 Best Bank in Kazakhstan, Emeafinance, April, 2010 Best Bank in Kazakhstan 2010, Euromoney, July, 2010 Best Retail Bank in Kazakhstan 2009, The Asian Banker, March, 2010

2 Contents What is «Internet-banking»?Слайд 6 Connection schemeСлайд 7 Services in the «Internet-banking» systemСлайд 8 Advantages of «Internet-banking» systemСлайд 9 Additional advantages of «Internet-banking» systemСлайд 10 Interface of the «Internet-banking» systemСлайд 11 Monitoring the payment statusСлайд 12 Security in the «Internet-banking» systemСлайд 13 How to connect?Слайд 14 How much does it cost?Слайд 15 Contact detailsСлайд 16

3 JSC «Halyk Bank of Kazakhstan» - is one of the largest universal banks in the Republic of Kazakhstan with high competitive capacity and level of reliability. Extensive branch network of the Bank is expanding geographical opportunities to customers, coupled with a wide range of products. The bank is a part the «HALYK GROUP» financial group with a full range of banking and financial services. Halyk Bank is providing clients with the modern banking services at competitive prices, flexible approach to the work with clients, focus on the technological development. Strategy of the Bank is the development of decent conditions for the development of your business and the establishment of strong partnerships. Halyk Banks positioning

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5 Geographical presence of Halyk Bank

6 What is «Internet-banking»? Internet banking is an alternative to traditional banking that gives an opportunity to enjoy banking services (payments, statements, access to accounts: current, corporate card, deposit) without coming to the bank office Halyk Bank of Kazakhstan offers you Internet – Client module - access to the accounts through allows executing different transactions through the banks site, as well as tracking the accountshttps://ib.halykbank.kz Halyk Bank of Kazakhstan uses «Bank Soft Systems» company – BSS (Saint Petersburg) solutions

7 Connection scheme Automated Banking system InternetIB BSS

8 Services in the «Internet-banking» system Payments in KZT; Payments in foreign currency; FX buy/sell; Bank deposits; Covered guarantee (issue of covered guarantees, monitoring current guarantees); Notification on incoming payments in foreign currency, in KZT from non-residents (notification on crediting/receiving of payment); Information on incoming payments in KZT; Monitoring information on currency contracts; Monitoring FX rates and other financial information; Statements on bank accounts (including corporate cards); Messages from the Bank/to the Bank.

9 Advantages of «Internet-banking» system Communication with Bank right from the office; Making payments regardless of the place of stay; Transfer of account management instructions via electronic communication channels; Remote signing and control over transactions made by accounting department all over the world; Working with your bank accounts regardless of the currency type and sort of transactions performed; Saving time on delivery of payment orders – there is no necessity to stand in «traffic» and «lines»; Excluding transport costs, expenses on paper and toner; Effective time management of employees.

10 Additional advantages of «Internet-banking» system Working in «Online» mode Remote signing of the documents No risk of data loss Online tracking of payments status Export in accounting program Automatic filling of payment details Archives of payment documents up to 1 year Exchanging letters with bank Error control during filling payment details Certified cryptography Possibility to work with the system on Russian and English languages

11 Interface of the «Internet-banking» system

12 Monitoring the payment status Clients are able to monitor all changes in the payment status.

13 Security in the «Internet-banking» system Confidential login and password System provides a possibility of changing password independently by user «Tumar CSP» electronic digital signature key Authorization and maintaining an integrity of electronic documents during their exchange between users by means of using the procedures of forming and checking electronic digital signature; Confidentiality and control of informations integrity. International SSL- certificate of Thawte company Secure data exchange over the Internet (Certificate is 100% compatible with all popular web browsers) «Etoken pass» device Generator of one-time use passwords, verifying that payments were made by authorized user Generates password for one communication session Is used while entering the System Doesnt require connection to the computer Guaranteed service life is 7 years or generations «SMS - notice» service Sending SMS-message to the mobile phone of authorized person on all outgoing payments in KZT from Customers current accounts exceeding the limit set by the Bank. The system has 5 degrees of information protection:

14 How to connect? 1To have a current account in Halyk Bank; 2 To get your PC, ADSL-modem, telephone line or any other way to access Internet ready for accessing the System; 3To conclude the Contract on bank services in «Internet-banking for corporate clients» system In order to connect to the system three steps must be taken:

15 How much does it cost? One-time fee for one user connection is KZT (with providing of Etoken pass, Java token device) There is NO monthly subscription fee Payment for the other bank services provided by the system is charged in accordance with the Tariffs of the bank

16 Контактные детали Timur Koszhanov Head of cash management sales desk tel , Gulsum Dushatova Chief manager of cash management sales desk tel , Ruslan Arnold Chief manager of cash management sales desk tel , Batima Shagiyeva Chief manager of cash management sales desk tel ,