Rates for clients

Current tariffs

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№	Service types	Tariffs	Note
	1. Opening and servicing an account
1.1	Open demand account	Free of charge	For all accounts
1.2	Close demand account	Free of charge	For all accounts
1.3	Re-open and registration of the account	Free of charge	For all accounts
1.4	Opening and servising credit, loan, leasing and factoring accounts
a	Opening credit (leasing) and loan accounts	Free of charge	The bank service fee is not charged when a debit transaction is carried out at the expense of credit funds as a financing source. (If the credit agreement stipulates that a service fee is charged for the debit transaction, it will be charged based on this agreement.)
b	One-time fee for review of loan documents	Loans financed by borrowed credit lines - in accordance with the terms of the credit line, other loans – Free of charge
c	Amendments to the loan agreement in connection with the replacement of loan collateral	0 - to UZS 100 000 000 UZS 1 000 000 including VAT, Above UZS 100 000 001 UZS 2 000 000 including VAT	With the exception of the withdrawal from the pledge in accordance with the repaid part of the loan

№	Service types	Tariffs	Note
2. Account maintenance and other paid services *
2**	Local payment service fees:
2.1	Optimal	Up to UZS 0 - 100 000 000 – 0,5% from each payment	On external payments (remote service is charged at the rate of 80 percent of the rate set by the tariff)
		From UZS 100 000 001 to 200 000 000 – 0,4% from each payment
		From UZS 200 000 001 to 300 000 000 – 0,3% from each payment
		From UZS 300 000 001 to 500 000 000 – 0,2% from each payment
		Over UZS 500 000 001 – 0,1% from each payment
		Up to UZS 0 - 100 000 000 – 0,3% from each payment	On payments within the system of JSCB Turonbank (remote service is charged at the rate of 80 percent of the rate set by the tariff)
		From UZS 100 000 001 to 200 000 000 – 0,2% from each payment
		From UZS 200 000 001 to 300 000 000 – 0,1% from each payment
		From UZS 300 000 001 to 500 000 000 – 0,05% from each payment
		Over UZS 500 000 001 – 0,03% from each payment
2.1.1	Exclusive	Up to UZS 0 - 15 000 000 – 0,5% from each payment	On external payments
		From UZS 15 000 001 to 30 000 000 – 0,3% from each payment
		Over UZS 30 000 001 – 0,2% from each payment
		0,2% from each payment	On payments within the system of JSCB Turonbank
2.1.2	For business entities engaged in export activities	0,2% from each payment	On all payments
2.2	Standard	0,5% from each payment	On external payments
2.2	Standard	0,3% from each payment	On payments within the system of JSCB Turonbank
2.2.1	Turon VIP-1	0,2% from each payment	For clients who have income-generating debit turnover of more than UZS 300.0 million per month (including funds transferred to the corporate card and converted)
2.2.2	Тuron VIP-2	0,1% from each payment	For clients who have income-generating debit turnover of more than UZS 500.0 million per month (including funds transferred to the corporate card and converted)
In case a client's income-generating debit turnover for the past month does not meet the requirements set in Turon VIP-1 and Turon VIP-2 tariffs, the bank commission is recalculated on the basis of 0.5% and is charged only for the month not met (not including the funds transferred to the corporate card and conversion).
2.3	Transfer of funds from the client's account to its other accounts, as well as the transfer of funds from the client to pay tax debts:
a	Transfer of funds from the client's account to its other accounts (when transferring from unique accounts to unique accounts)	Free of charge	Applicable in the JSCB Turonbank system. When replenishing the corporate plastic cards of individual entrepreneurs and legal entities, the fee is charged on the basis of paragraph 2.6.
b	Transfer of client's funds on payment of tax arrears	Free of charge
2.4	Transfer of wages and equivalent payments to deposit accounts	Free of charge
2.5**	For each electronic payment made by the customer	UZS 300 including VAT
2.5.1	Payments on ANOR system
a	For each electronic payment made by the client on the operational day and operational time	UZS 300 including VAT
b	For payments made outside the operational day and operational time	UZS 450 including VAT
2.6**	Additional commission for funds transfer to corporate cards of legal entities and individual entrepreneurs	0,4%	From the amount of each transaction.
2.7**	On remote bank account maintenance:
a	Connection to "Internet-Banking" program and issuance of electronic key to use this program	Free of charge
b	Re-issue of Internet-Banking program electronic key due to the fault of the client	UZS 300 000 including VAT
c	Using the "Internet-Banking" program	Free of charge
d	Connection to and use of "SMS-Banking" program	Free of charge
e	Connection to and use of "Mobil-Banking" program	Free of charge
f	Provision of collection services to customers through the Bank's automated deposit machines	0,5%	From the amount of each transaction
2.8	Opening of a letter of credit account in national currency	UZS 250 000 including VAT
2.8.1	Changing the terms of the letter of credit account or canceling it	Cancellation is free of charge, change of terms – UZS 250 000 including VAT
2.9**	Drawing up a checkbook	UZS 100 000 including VAT	For each book
2.10	On issuance of cash to clients:
a	Cash issued to legal entities for purposes other than salaries and similar payments	For enterprises-exporters – 0.5%. For other enterprises – 1% (From the amount of each transaction)	On the 44-th symbol (Free of charge for legal entities and individual entrepreneurs with cash proceeds in the amount of cash deposited)
b	Cash issued to individual entrepreneurs for purposes other than salaries and similar payments	For enterprises-exporters – 0.5%. For other enterprises – 1% (From the amount of each transaction)	On the 45-th symbol
c	Cash issued for procurement of agricultural products	For enterprises-exporters – 0.3%. For other enterprises – 1% (From the amount of each transaction)	On the 46-th symbol
d	Cash given to cotton picking participants	For enterprises-exporters – 0.3%. For other enterprises – 1% (From the amount of each transaction)	On the 47-th symbol
e	Cash given to business entities to pay dividends	For enterprises-exporters – 0.5%. For other enterprises – 1% (From the amount of each transaction)	On the 51-th symbol
f	Loans issued by cash in hand	For enterprises-exporters – 0.5%. For other enterprises – 1% (From the amount of each transaction)	On the 54-th symbol
2.11**	By types of services in customer accounts maintenance:
a	Acceptance of payment documents from clients for collection (claims, checks, etc.)	UZS 25 000 including VAT
b	Providing non-bank confidential information (exchange rates, interest rates, debts of the company, etc.)	Free of charge
c	Issuance of information on transactions made from the customer's account	UZS 25 000 including VAT

№	Service types	Tariffs	Note
3. Servicing of plastic cards and payment terminals
3.1	Issue and re-issue of corporate plastic cards of the "Uzcard" system to legal entities (and plastic cards of the "Uzcard" system to individual entrepreneurs)	UZS 50 000 including VAT	Opening and execution of a new plastic card due to the fault of the owner of the plastic card, the issue of a new plastic card to replace a lost or damaged one shall be carried out on the same terms.
3.2	Issue and re-issue into circulation of corporate plastic cards in co-baging system "HUMO" for legal entities (and plastic cards in co-baging system "HUMO" for individual entrepreneurs)	UZS 50 000 including VAT	Opening and execution of a new plastic card due to the fault of the owner of the plastic card, the issue of a new plastic card to replace a lost or damaged one shall be carried out on the same terms.
3.3	Monthly rent charged from legal entities for payment terminals	Free of charge
3.4	Monthly rent charged from individual entrepreneurs for payment terminals	Free of charge
3.5	Rental fee for the installation of the program "One touch" to Legal entities and Individual Entrepreneurs	Free of charge
3.6	Rental fee for installation of the "QR-Online" system to legal entities and individual entrepreneurs	Free of charge
3.7	Penalties applied for non-repairable breakage of the payment terminal or its loss	Residual amount of the balance of the terminal + UZS 230 000 including VAT
3.8	On payments accepted through the system of "QR-Online" program	0,25%	From the amount of each transaction
3.9	On payments accepted from plastic cards of "Union Pay" payment system through payment terminals of "Uzcard" system	Free of charge	From the amount of each transaction (except for the fee specified in paragraph 3.13 of the Tariffs of the Bankа)
3.10	On payments accepted from plastic cards of "Visa" payment system through payment terminals of "Uzcard" system	1%	From the amount of each transaction
3.11	On payments accepted from international plastic cards (VISA, MasterCard, CUP) throughpayment terminals of "HUMO" system	1%	From the amount of each transaction
3.12	Surcharge (additional commission charged on international plastic cards) received on payments accepted from international plastic cards (VISA, MasterCard, CUP) through payment terminals of "UZCARD" and "HUMO" systems	From 0,5% to 3%	From the amount of each transaction (within the limits of the commission established by the international payment systems)
3.13	Fee for services charged for transactions (merchant) made by bank cards of retail payment systems "UZCARD" and "HUMO" (One Touch) through trading terminals	0,2%	From the amount of each transaction

№	Service types	Tariffs	Note
4. Electronic commerce service
4.1	Registration of virtual terminal E-shop for Legal entities and Individual Entrepreneurs in payment systems (E-Pos)	Free of charge
4.2	Commissions charged to Legal Entities and Individual Entrepreneurs from transactions made through E-shop virtual terminals (E-Pos)	1% - 3%	As agreed (From the amount of each transaction)

№	Service types	Tariffs	Note
5. Servicing of foreign economic activity
5.1	Maintenance of accounts in foreign currencies:
a	Opening and maintenance of accounts in foreign currency	Free of charge
b	Closing an account	Free of charge
c	Issuance of references on performed transactions at the request of the client	UZS 100 000 including VAT
5.2	Foreign trade transactions:
a	Reception of applications submitted by clients for purchase of foreign currency and review of documents	Free of charge
b	Servicing of foreign trade contracts	UZS 75 000 including VAT	Charged to operating organizations from each contract registered in UEISFTO system of ABS program, for full and incomplete year. (With the exception of companies whose accounts were not accounted for during the past year, as well as clients whose activities have been excluded from the State Register or declared bankrupt by the authorized body).
5.3	On bank money transfers:
5.3.1	Money transfers on the territory of the Republic of Uzbekistan	UZS 100 000 including VAT + partner bank expenses	From the amount of each transaction
5.3.2	Outside the territory of the Republic of Uzbekistan	0,15% (maximum UZS 10 000 000 including VAT) + partner bank expenses + SWIFT costs	From each operation amount. Within the terms of clause 2.1.3, debit is free of charge + partner bank fee + SWIFT fee. Payments made through the "Murabaha" service are free of charge (except for the partner bank fees).
5.3.3	Sending a request to clarify the current status of funds sent through the SWIFT system, upon request of customers	UZS 120 000 including VAT + partner bank expenses	From the amount of each transaction
5.3.4	Sending a request to cancel or change funds sent through the SWIFT system, upon request of customers	UZS 120 000 including VAT + partner bank expenses	From the amount of each transaction
5.3.5	Receipt of repeated information about funds sent and received via SWIFT program, according to the customer's request	UZS 120 000 including VAT	From the amount of each transaction
5.3.6	SWIFT costs	UZS 200 000 including VAT	From the amount of each transaction
5.3.7	Partner bank expenses	Partner bank charges may vary depending on the currency of payment and state. The amount of fees charged by the partner bank is charged to Turonbank's clients. Commissions in foreign currencies are charged at the rate set by the Central Bank.
5.3.8	Obtaining information on the current status of payments through the "GPI Tracker" system	UZS 250 000 including VAT	From the amount of each transaction
5.4	On import letter of credit transactions:
a	Opening a Letter of Credit in foreign currency	0,5% of the amount of the letter of credit (maximum UZS 20 000 000 including VAT, minimum UZS 2 000 000 including VAT) + partner bank expenses	partner bank expenses are charged in the amount arisen on the fact
b	Acceptance and verification of documents (for each type of document)	Free of charge
c	Change of the terms of the letter of credit (except for parts d, g of paragraph 5.4)	UZS 500 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
d	Extension of the letter of credit	0,5% of the residual amount of the letter of credit (maximum UZS 10 000 000 including VAT) + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
e	Cancellation of letter of credit before expiry date	UZS 500 000 including VAT
f	Increasing the amount of the letter of credit	0,5% of the increased amount (maximum UZS 10 000 000 including VAT) + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
g	Acceptance of documents provided with a discrepancy, with the consent of the client	UZS 500 000 for each set of documents	Charged to the beneficiary's account in the currency of the letter of credit at the rate established by the Central Bank on the day of performance of the operation
h	Payments by letter of credit	Covered letter of credit – in the amount of 0.2% (maximum UZS 4 000 000 including VAT), as well as partner bank expenses; uncovered letter of credit – partner bank expenses.	partner bank expenses charged in the amount arisen on the fact
з	SWIFT costs	UZS 200 000 including VAT	When carrying out operations provided for in part 5.4, charged additionally when sending OUT messages in the SWIFT system
5.5	On export letters of credit:
a	Advice on export letters of credit	UZS 600 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
b	Receiving, checking and sending documents	For each type of document UZS 150 000 including VAT + postage costs + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
c	Advice on changes made to the terms of the letter of credit	UZS 200 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
d	Canceling the letter of credit	UZS 400 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
e	SWIFT costs	UZS 200 000 including VAT	When carrying out operations provided for in part 5.5, charged additionally when sending OUT messages in the SWIFT system
5.6	Guarantees:
a	Advising the client of guarantees and changes received through the SWIFT system	UZS 400 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
b	Authentication of guarantees issued by other banks through the SWIFT system	UZS 400 000 including VAT + partner bank expenses	partner bank expenses charged in the amount arisen on the fact
c	SWIFT costs	UZS 200 000 including VAT	When carrying out operations provided for in part 5.6, charged additionally when sending OUT messages in the SWIFT system
5.7	SWAP transactions	As agreed
5.8	Conversion and conversion operations:
a	Exchange of one type of currency for another type of currency (conversion transaction) for legal entities and individual entrepreneurs	Free of charge	Performed at the rate set by the Head Bank
b	Conversion of national currency into foreign currency****	Free of charge	Performed at the rate of sale of foreign currency established by the Head Bank
c	Conversion of foreign currency into the national currency****	Free of charge	Performed at the foreign currency purchase rate established by the Head Bank
d	Acceptance of foreign currency in cash (except for the Russian ruble)	Free of charge
e	Fees charged when crediting Russian rubles to the current accounts of legal entities through the bank's cash offices	5%	From the amount of each transaction

№	Service types	Tariffs	Note
6. On opening a special plastic card for legal entities in foreign currency
6.1***	Opening international VISA BUSINESS cards	UZS 100 000 including VAT
6.2***	Re-opening of international VISA BUSINESS cards (upon expiry, loss, theft or damage of the card and in other cases)	UZS 100 000 including VAT
6.3	Annual maintenance of VISA BUSINESS international cards	Free of charge
6.4	Minimum balance amount of VISA BUSINESS international card (pledge amount)	50 USD
6.5	Crediting funds received from another bank in non-cash form to VISA BUSINESS international cards	0,5%	From each amount credited
6.6	Cash withdrawal from VISA BUSINESS international cards at other banks and their ATMs	2% + partner bank expenses
6.7	Servicing of VISA BUSINESS international cards through customer trading terminals of other banks	0,5% + partner bank expenses
6.8	Processing of card transactions of trade and service organizations that have signed agreements with the bank to install terminals	3%	From each transfer made. Payment services from international plastic cards Mastercard Gold Tourist (co-branded cards) through Mastercard trading terminals, attached by JSCB Turonbank to the offices of LLC "Tourist-uz" shall be carried out Free of charge.
6.9	Servicing of Visa and MasterCard plastic cards issued by JSCB Turonbank through the bank's customer trading terminals	Free of charge
6.10	Issuance of statements on transactions made through international plastic cards of the client	UZS 50 000 including VAT
6.11	Repeated issuance of statements on transactions made through international plastic cards of the client	UZS 100 000 including VAT
6.12	Rent of trading terminals:
a	Rent terminals for legal entities	Free of charge
b	For terminals damaged by the client	Repair expenses + UZS 230 000 including VAT	For each calendar month
c	For terminals lost by the client	Price of the terminal + UZS 230 000 including VAT	For each calendar month

№	Service types	Tariffs	Note
7. On opening for individual entrepreneurs of a special plastic card in foreign currency
7.1	Opening of international plastic cards:
a	Visa Classic Conversion Card for Individual Entrepreneurs	UZS 50 000 including VAT
b	Mastercard Standard Conversion Card for Individual Entrepreneurs	UZS 50 000 including VAT
7.2	Re-opening of international plastic cards (after the expiration date of the card, its loss, theft or damage and in other cases):
a	Visa Classic Conversion Card for Individual Entrepreneurs	UZS 50 000 including VAT
b	Mastercard Standard Conversion Card for Individual Entrepreneurs	UZS 50 000 including VAT
7.3	Annual maintenance of international plastic cards:
a	Visa Classic Conversion Card for Individual Entrepreneurs	Free of charge
b	Mastercard Standard Conversion Card for Individual Entrepreneurs	Free of charge
7.4	The size of the minimum balance of the international plastic card:
a	Visa Classic Conversion Card for Individual Entrepreneurs	20 USD
b	Mastercard Standard Conversion Card for Individual Entrepreneurs	20 USD
7.5	The size of the minimum initial payment of an international plastic card:
a	Visa Classic Conversion Card for Individual Entrepreneurs	0 USD
b	Mastercard Standard Conversion Card for Individual Entrepreneurs	0 USD
7.6	Cashing out foreign currency in international plastic card accounts of Individual Entrepreneurs:
a	Cash withdrawal of foreign currency from VISA international plastic cards issued by JSCB Turonbank through its Banking Services Centers and ATMs	0,5%	From the amount of each transaction
b	Cash withdrawal of foreign currency from international plastic cards MasterCard issued by JSCB Turonbank through its Banking Services Centers and ATMs	0,5%	From the amount of each transaction
c	Cash withdrawal of foreign currency from VISA international plastic cards issued by JSCB Turonbank through terminals and ATMs of other banks	2% + partner bank expenses	From the amount of each transaction
d	Cash withdrawal of foreign currency from the international plastic cards MasterCard issued by JSCB Turonbank through terminals and ATMs of other banks	2% + partner bank expenses	From the amount of each transaction
7.7	Servicing of international plastic cards of Individual Entrepreneurs through trading terminals:
a	Processing of card transactions of trade and paid services organizations, which have signed an agreement with the Bank to install a terminal	3%	From each transfer made. Payment services from international plastic cards Mastercard Gold Tourist (co-branded cards) through Mastercard trading terminals, attached by JSCB Turonbank to the offices of LLC "Tourist-uz" shall be carried out Free of charge.
b	Servicing of Visa and MasterCard plastic cards issued by JSCB Turonbank through the bank's customer trading terminals	Free of charge
c	Servicing of Visa and MasterCard plastic cards issued by JSCB Turonbank through trading terminals of clients of other banks	0,5%	From the amount of each transaction
7.8	Rent of trading terminals for Individual Entrepreneurs:
a	Terminal rental for Individual Entrepreneurs	Free of charge
b	For terminals damaged by the client	Repair expenses + UZS 230 000 including VAT	For each calendar month
c	For terminals lost by the client	Price of the terminal + UZS 230 000 including VAT	For each calendar month
7.9	Other services provided to international plastic cards of Individual Entrepreneurs.
a	Issuance of statements on international plastic card transactions performed by the client	UZS 18 000 including VAT
b	Repeated issuance of statements on international plastic card transactions performed by the client	UZS 35 000 including VAT

№	Service types	Tariffs	Note
8. Services on bank guarantees and sureties
8.1	Review of documents on guarantees and sureties	Free of charge	For each document submitted
8.2	On bank guarantees and sureties provided for participation in tenders and competitive bidding:
a	Bank guarantee when providing 100% of funds as security for timely fulfillment of obligations by the client.	0,1% of the guarantee amount (maximum UZS 2 500 000 including VAT)
b	Guarantees provided for participation in the tender (up to 2 percent of the starting price of the object, regardless of the type of security)	UZS 3 500 000 including VAT (for this service, VAT is calculated only on the income received)
c	Bank guarantee upon provision of liquid property or securities as security for timely performance of guarantee obligations by the client (for projects with the starting price of the object exceeding 2%)	1% of the guarantee amount
d	Bank guarantee upon provision of insurance policy on insurance of risk of non-fulfillment of guarantee obligations by the client (for projects with the starting price of the object exceeding 2%)	2% of the guarantee amount
e	When providing a bank guarantee for participation in bidding for a loan in the prescribed manner in cases of shortage of working capital of bank customers	0,5% of the guarantee amount (minimum UZS 2 500 000 including VAT)
f	Change of amount, extension of term or cancellation of bank guarantee and surety	UZS 2 500 000 including VAT
g	For all bank guarantees and sureties issued for participation in tenders and competitive bidding in foreign currency (regardless of type of security)	0,5% of the bank guarantee amount
h	Advising or holding a guarantee without the bank's obligation	UZS 1 250 000 including VAT
8.3	On making advance payments, fulfillment of contractual terms, extension for a certain period of time or partial payment of customs payments and on other guarantees and sureties:
a	Under the bank guarantee when providing 100% of funds as a guarantee of timely performance of obligations by the client.	UZS 3 500 000 including VAT, for more than one year – for each year UZS 2 500 000 including VAT	Fees are charged for each year
b	Under the bank guarantee when providing liquid property or securities as security for the timely performance of obligations by the client.	2% of the guarantee amount (minimum UZS 3 500 000 including VAT)	Fees are charged for each year
c	Under the bank guarantee upon submission of an insurance policy on insurance of the risk of non-fulfillment of obligations by the client	3% of the guarantee amount (minimum UZS 3 500 000 including VAT)	Fees are charged for each year
d	Changing the amount or extending the term of the bank guarantee	UZS 3 500 000 including VAT	If the amount of the bank guarantee is changed, that is, if the amount of the guarantee is increased, the bank commission is charged at the rate applied in the contract on the amount of this increased guarantee
8.4	Issuance of certificates for participation in tenders and competitions:	UZS 750 000 including VAT
8.5	Providing "Murabaha" services	According to the "Murabaha" contract, an annual surcharge of 4% on the cost of goods purchased + foreign line surcharge	For "Murabaha" contracts in US dollars using foreign line funds, an annual surcharge of 4% is calculated relative to the balance after each payment for the good purchased under the "Murabaha" contract.

№	Service types	Tariffs	Note
9. Provision of paid cash services of retail operations:
9.1	Provision of paid cash services to legal entities under the contract (upon conclusion of the contract at the customer's initiative):
a	1 employee, accompanied by the National Guard	UZS 23 000 000 including VAT	For each calendar month
b	2 employees, accompanied by the National Guard	UZS 29 000 000 including VAT	For each calendar month
c	1 employee, accompanied by the Collection Service	UZS 34 000 000 including VAT	For each calendar month
d	2 employees, accompanied by the Collection Service	UZS 41 000 000 including VAT	For each calendar month

When paying the fee for banking services:
* - Bank commission is not charged in accordance with the Resolution of the President of the Republic of Uzbekistan № PR-4609 dated 07.04.2014, when small businesses make payments to the tax and other obligatory payments. Also, in accordance with the Tax Code of the Republic of Uzbekistan, approved by the Law of the Republic of Uzbekistan №ZRU-599 of 30.12.2019, signed by the President of the Republic of Uzbekistan, the bank commission is not charged when customers make tax payments. (Except partner bank commission)
** - Services to budgetary organizations are provided free of charge. (Except partner bank commission)
*** - VISA BUSINESS international plastic cards are opened within 3 banking business days.
**** - In accordance with the "Rules of currency transactions in the Republic of Uzbekistan", registered in the Ministry of Justice of the Republic of Uzbekistan on August 31, 2020, № 3281, operations on the sale and purchase of foreign currency are carried out by banks within the limits established to the currency position.
Note:
When serving customers, Turonbank JSCB specifies the following conditions:
- Providing bank customers with benefits in relation to the above tariffs is carried out by the Liquidity Management Committee of JSCB Turonbank.
- Tariffs for banking services are approved in Uzbek language, and in case of any ambiguity between the bank and the clients when concluding with clients in foreign languages, be guided by the text in Uzbek language.
Reminder: When rendering services not specified in these tariffs, Banking Services Centers managers have the right to charge an additional fee for services by concluding a supplementary agreement to the contract in the manner prescribed by law. Also, the types of services rendered but not specified in any document are considered free of charge.