Regular Deposit

Deposit is issued in accordance with current conditions of the Bank.

Minimal deposit amount	1000 USD (equivalent in hard currency) or 1000 manat
Minimal deposit maturity	3 months
Payment of interest	Quarterly or annually (according to the depositors desire)

Deposit holder may add or withdraw funds from deposit account within first 3 months on conditions that balance on deposit will not be less than 10000 US Dollars or 10000 manat.

Minimal deposit amount	1000 (equivalent in hard currency) or 1000 manat
Minimal deposit maturity	12 ìonths
Payment of interest	Monthly, quarterly or at the deposit's expiration date (according to the depositors desire)

Starting July 1, 2008, TDB presents a new deposit interest rates:

Manat and USD (per annum)

Term of Deposit	"To In monthly interest payment (basic rate)	"To In payment of Interest at the end of a year	"To In payment of Interest at the end of a term
24 months	13,0% annum	14,0% annum	14,5% annum
18 months	12,5% annum	13,5% annum	13,8% annum
12 months	12,0% annum	13,0% annum	-
9 months	11,0% annum	-	-
6 months	10,0% annum	-	-
3 months	9,0% annum	-	-

If the agreement is terminated by the Customer for any reason, interest accrued on the deposit shall not be paid. The interest accrued and received by the Customer earlier shall be deducted from the total amount of the deposit.

If the depositor does not claim the deposit upon maturity, the agreement shall be deemed extended as of that time, provided the Bank agrees to such extension. If the Bank disagrees to extend the agreement, the deposit shall be returned to the Depositor following a prior official notification.

The term of the agreement shall be extended based on the Bank's then-current the interest rates.

Interest rates shall not be subject of modification during the extension period.