Islamic Financial Center Card (IFC Card).

This product complies with the Islamic principles of financing, and has been agreed and approved by the Shariah Council of the Bank. Now the owners of the Islamic Finance Center card are given an excellent opportunity to pay for purchases, make transfers and perform other transactions all within the framework provided by the Islamic principles of banking services.

With IFC cards no interest is accrued on cash balances on cards. With cash balances on cards the Bank does not perform any transactions that are contrary to the Shariah principles of Islam.

No interest is charged for cash deposits to the Elkard IFC cards; depositing to the IFC cards at Baqai Bank's cash desks is free of charge.

There are system restrictions on Elcard IFC, purchases at specialized establishments are blocked on the program level, such as:

∙ alcohol, tobacco stores;

∙ entertainment and entertainment facilities, bookmaker's offices;

∙ Websites with obscene content;

The Bank shall not be liable for any incorrect registration in the payment systems of retail stores, which carry out their activities that is different from their main activity.