Annex 3

to the Client Agreement

KYC Client Questionnaire

(Individuals)

General client information	First name	John
Last name	Smith
Middle Name (if applicable)
Country of main residence	Kazakhstan
Address	Street address, City, ZipCode
Contact number	PhoneNumber
e-mail	E-mail
IIN (if applicable)	IIN Number
Type of identification document, document number, issue date, expiration date, issuing authority	Passport Number, Issued date, Expiration date, Issuing authority
Citizenship	Citizenship
Date of birth	DD.MM.YYYY
Personal declaration	Are (were) you or your spouse or your close relatives Politically exposed person (PEP) ☐ I am (was) PEP ☐ Yes, my spouse or/and my close relatives are (were) PEP ☐ No, neither me nor my spouse nor close relatives are (were) PEP
Taxpayer data	Tax residence	County of Tax Residence
Taxpayer ID	Taxpayer ID
Are you the U.S. tax resident?	☐ Yes ☐ No
* An individual, a sole trader and a private practitioner are recognised as the US tax residents if the following conditions are met: US citizenship; permanent residence permit in the US (Form I551 (Green Card)); meeting substantial presence criterion.
What is the purpose and nature of the business relationship with the Company?	☐ Services on securities market ☐ Other
What is the typical goal of your investments?	☐ Speculative trading ☐ Long Term Investment
Source of income (funds)	Please provide an evidencing document on source of income (funds) Description of Source of income (funds) One or more of evidencing document on source of income (funds) ☐ Savings from salary:__________ (please indicate the amount and currency) ☐ Original or certified copy of a pay-slip (or bonus payment) from within the last three months ☐ Other, please specify______________________________ ☐ Sale or Profits of investments/Securities liquidation of investment portfolio:__________(please indicate the amount and currency) ☐ Certified investment / savings certificates, contract notes, or surrender statements ☐ Bank statement clearly showing receipt of funds and investment company name ☐ Signed letter detailing funds from a regulated accountant ☐ Brokerage Statement for the last three months ☐ Other, please specify______________________________ ☐ Sale of property:__________(please indicate the amount and currency) ☐ Signed letter from Solicitor ☐ Certified copy of sale contract ☐ Signed letter from Estate Agent ☐ Other, please specify______________________________ ☐ Inheritance: __________ (please indicate the amount and currency) ☐ Grant of Probate (with a copy of the will), which must include the value of the estate ☐ Signed letter from Solicitor ☐ Other, please specify______________________________ ☐ Loan Arrangement: __________(please indicate the amount and currency) ☐ Copy of Loan Agreement ☐ Other, please specify______________________________ ☐ Other (please specify) ____________(please indicate the amount and currency) Total amount: _______________ (please provide an evidencing document for this amount)
Occupation/employment	☐ Salaried employee ☐ Self-employed ☐ Student ☐ Pensioner ☐ Unemployed ☐ Other, please specify
Knowledge and Experience	Please provide information about your experience in working with investments Type of investment Investment amount (for the last 3 years) in USD Number of transactions (over the last 3 years) Date of first transaction Security Unit Derivative Structured products Did you rely on professional advisor in investment? ☐ Yes ☐ No What is your level of knowledge about the risks associated with the following financial instruments? Security ☐ None ☐ Basic ☐ Intermediate ☐ Advanced Unit ☐ None ☐ Basic ☐ Intermediate ☐ Advanced Derivative ☐ None ☐ Basic ☐ Intermediate ☐ Advanced Structured products ☐ None ☐ Basic ☐ Intermediate ☐ Advanced Other (Please, specify) ☐ None ☐ Basic ☐ Intermediate ☐ Advanced
Information on education	☐ University education (Master’s degree or PhD) – Economics or Finance field ☐ University education (Bachelor’s degree) – Economics or Finance field ☐ University education – Other than Economics or Finance field ☐ Secondary education – Economics or Finance field ☐ Primary education ☐ Professional certificate in Finance field
Estimated duration of Investment	Please choose one answer only. ☐ Intraday trading ☐ Less than a year ☐ More than a year
Estimated amount of trades	☐ Less than $10,000 per year ☐ $10,000 – $50,000 per year ☐ $50,000 – $100,000 per year ☐ Over $100,000
Financial position	Regular monthly income and income sources Regular monthly income and income resources Net amount below $1,000 Net amount $1,000 - $5,000 Net amount above $5,000 Employment ☐ ☐ ☐ Income from business activities/ ☐ ☐ ☐ Income from investments ☐ ☐ ☐ Other ☐ ☐ ☐
Please indicate those assets that you currently own and their respective approximate share in your portfolio Assets owned and their breakdown Value below $50,000 Value amount $50,000 - $100,000 Value above $100,000 Liquid assets (cash, deposits) ☐ ☐ ☐ Securities ☐ ☐ ☐ Real estate property ☐ ☐ ☐ Value of the primary residence ☐ ☐ ☐ Other ☐ ☐ ☐
Regular monthly expenditures and their breakdown Regular monthly expenditures and their breakdown Net amount below $1,000 Net amount $1,000 - $5,000 Net amount above $5,000 Living expenses ☐ ☐ ☐ Loan repayment ☐ ☐ ☐ Leasing ☐ ☐ ☐ Other ☐ ☐ ☐
Do you have regular financial obligations? ☐ Yes ☐ No * if “Yes”, please provide information Financial commitments or liabilities Value below $50,000 Value amount $50,000 - $100,000 Value above $100,000 Mortgage loan ☐ ☐ ☐ Bank loans ☐ ☐ ☐ Other ☐ ☐ ☐
Client Classification	In accordance with Chapter 2 of AIFC Conduct of Business Rules, I hereby consent to being treated as: ☐ a Retail Client; ☐ an Assessed Professional Client*. Please note, that Clients classified as Professional Clients have fewer regulatory protections than Retail Clients. By agreeing to be treated as a Professional Client, I hereby confirm awareness of the consequences of losing such protections. * To be treated as an Assessed Professional Client please provide confirmation that: you have net assets of at least USD 100,000; and either: you have sufficient experience and understanding of relevant Financial Products, Financial Services, Transactions and any associated risks; you work or have worked in the previous two years in an Authorised Firm or any other authorised or regulated financial institution, including a bank, securities firm or insurance company, in a position that requires knowledge of the type of Financial Products, Financial Services or Transactions envisaged.
Risk profile and tolerance	Please check from the risk appetite and loss tolerance statements below that would most fit you. Please choose one answer only. (Fluctuations in value arising from exchange rate risk were not taken into account in the answers.) Our objective is to assess your attitude towards risks in order to help us identify the product group(s) that are most appropriate for you. ☐ My primary goal is to protect capital. I would not like to lose any of the value of my investments but wish to achieve some solid yield. I am aware that low-risk products usually have lower yields. ☐ I am aware that purchasing financial instruments might entail some degree of risk. However, in the hope of higher profits, I am willing to assume some degree of risk and tolerate a slight decrease in the value of my portfolio. ☐ I am aware that purchasing financial instruments might entail some degree of risk. However, in the hope of higher profits, I am willing to assume risks and tolerate a decrease in the value of some parts of my portfolio. ☐ In the hope of a long-term higher profit I am willing to risk the total amount invested. ☐ In the hope of a long-term higher profit I consciously take the risk that in adverse cases, I might be obliged to pay further amounts in addition to losing the total amount invested.

Acceding to the Terms of Business of the Company on the Securities Market, the Client declares that the Client:

understood all questions contained in this Annex to the Agreement, and that all information provided therein is true and accurate;

shall inform the Company (including via his/her personal consultant at the Company) as soon as any change occurs in his/her personal or financial situation that makes it necessary to change his/her answers to the questions contained in this Annex to the Agreement;

understands that in case his/her answers do not reflect his/her actual situation, or if the client fails to inform the Company (including via his/her personal consultant at the Company) of any change that might occur in his/her personal or financial situation, the client may be exposed to the risks that exceed his/her risk tolerance or his/her financial capabilities.

Note 1:

“Politically exposed person” means a natural person who is or has been entrusted with prominent public functions in the Republic of Kazakhstan or any other country, their family members and persons known to be close associates of such persons. Politically exposed person includes the following:

a) heads of State, heads of government, ministers and deputy or assistant ministers;

b) members of parliament or of similar legislative bodies;

c) members of the governing bodies of political parties;

d) members of supreme courts, of constitutional courts or of other high-level judicial bodies, the decisions of which are not subject to further appeal, except in exceptional circumstances;

e) members of courts of auditors or of the boards of central banks;

f) ambassadors, chargés d'affaires and high-ranking officers in the armed forces;

g) members of the administrative, management or supervisory bodies of State-owned enterprises;

h) directors, deputy directors and members of the board or equivalent function of an international organization;

i) mayors.

No public function referred to in points (a) to (i) above shall be understood as covering middle-ranking or more junior officials.

An individual cease to be regarded as PEP after he has left the respective office for 12 months.

Date: ___________

The Client's first and last name: _______________________________

Signature: ________________________

LIST OF SUPPORTING DOCUMENTS

#	Document	Provided evidencing document
1	Proof of Identity (e.g. Copy of Identification document, Passport copy)	☐ Yes (please specify)__________________ ☐ No
2	Proof of registered address (e.g. Lease/Rent agreement or electric/gas bill, etc.)	☐ Yes (please specify)__________________ ☐ No
3	Taxpayer ID, Tax Certificate	☐ Yes (please specify)__________________ ☐ No
4	Proof of source of income (funds) Depending on the ticked box in section “Source of income (funds)” please provide an evidencing document.	☐ Yes (please specify)__________________ ☐ No
4-1	For assessed professional clients - confirmation that:	☐ The Client has net assets of at least USD 100,000 (please specify_________________________); and
either: ☐ The Client has sufficient experience and understanding of relevant Financial Products, Financial Services, Transactions and any associated risks (please specify_________________________); ☐ the Client works or has worked in the previous two years in an Authorised Firm or any other authorised or regulated financial institution, including a bank, securities firm or insurance company, in a position that requires knowledge of the type of Financial Products, Financial Services or Transactions envisaged (please specify_________________________).
5	Confirmation document of the Client’s knowledge and experience	☐ Finance Education Diploma (bachelor, master, PhD) or Economic Education Diploma (bachelor, master, PhD) or Math Education Diploma (bachelor, master, PhD); ☐ Document confirming that the client has at least three years of work experience in areas directly related to concluding transactions with financial instruments, preparing investment recommendations, making investment decisions, and (or) in the field of risk management associated with transactions with financial instruments (please specify_________________________); ☐ Finance course certificates (if applicable); ☐ Brokerage statement (if applicable) for the last three months; ☐ Other (please specify)_________________________

Date: ___________

The Client's first and last name: _______________________________

Signature: ________________________

Please, read the Note 1 at the end of this document