Marina Kuznechkina

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One of the largest organizations in financial market, Rosselkhozbank, has developed an entire program for working with clients receiving state pensions, benefits, and other payments. It includes not only the offer of special conditions for lending, but also two deposit options and a payment card.

The organization rightfully enjoys increased confidence. The holder of its shares is the state. Deposit protection is provided by an insurance program, which the bank has been a member of since 2015.

“Pension Plus” deposit

From 500 rubles

From 395 days

In this article:

Which deposit should I choose?

The bank offers a wide range of deposits. Some of them are universal, accessible to any citizen of the Russian Federation. A number of special offers are designed for pensioners. The client can choose the most suitable options programs. Before you start choosing, you should decide which parameters will be beneficial in each specific case. Important Features deposit:

1. Minimum amount to open. For pensioners, this value is reduced, which makes it possible for more elderly people to urgently make an investment.
2. Maximum amount of funds. For some deposits there is a limit on the maximum amount of funds. If you need to store a larger amount of money, then you can consider options without an upper limit.
3. The period for opening an investment varies in many programs, and the profitability depends on it.
4. The interest rate in rubles determines monthly income. Its size depends on the term and the savings made.
5. Possible account replenishment. You should decide whether this function is needed, because... non-replenishable deposits have a higher interest rate.
6. Using percentages. The investor must decide whether to withdraw the annual income and add it to the principal amount. Various offers financial organization Deposits also provide for the receipt of interest either monthly or at the end of the term.

For each case, you can choose the most profitable option, therefore, before concluding an agreement, you should consult a bank employee. If the client is a pensioner, then it is not necessary to focus only on Special offers, in some cases, general programs may be more beneficial.

Let's look at the terms and conditions of some publicly available investments:

The Gold Premium offer is available to members of the Ultra or Premium programs. A distinctive feature of the “Profitable” investment is the ability to earn interest. The replenishable “Save for a Dream” deposit is linked to targeted loans for individuals. Funds can be withdrawn without loss of income for payment down payments for car loans and mortgages.

Should the terms of deposits be different for pensioners and other groups of clients?

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How to open a deposit in Rosselkhozbank: step-by-step instructions

Once the type of investment has been selected, you can open it both in the office and remotely. People of retirement age prefer to contact the bank in person, so they can get personal advice and conclude a real contract.

To open an investment under special conditions you must: There is a remote way to open a deposit. To do this, the requirement must be met: you must be a client of the bank and have an already opened Personal Area

. You can make investments in this service. The money is transferred by transfer to the specified bank account.

Special conditions for pensioners

Deposits for pensioners of Rosselkhozbank:

1. The “Pension Plus” offer makes it possible to replenish funds without restrictions. It has the following advantages:
2. Cash withdrawals are possible without a time limit. Application extra money
3. allowed.

« Interest is capitalized. Pension income

ny" does not provide the opportunity to withdraw part of the funds during the validity of the agreement. However, you can receive money in the form of interest, which can not only be added to the principal amount, but also transferred to another client account. Another advantageous offer of the organization is pension card . A pension can be transferred to it. The interest on the balance can reach up to 6%.

Plastic is issued free of charge on the day of application. They can pay for purchases, deposit money, withdraw cash without commissions from payment materials

1. To take advantage of the special offer, you must provide the following documents:
2. Passport.
3. Pensioner's ID. Help from pension fund

on the appropriation of government payments.

Deposit "Pension income"

From 500 rubles

From 395 days

These offers are available not only to old-age pensioners, but also to those who receive government support:

1. Young pensioners who do not come to the common table.
2. Citizens who have state support for health reasons and other payments.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

How to top up your deposit?

You can replenish your savings, provided that this is allowed by the contents of the agreement, in the following ways:

Offer

Maximum amount

Application online

1. Provide your details at the bank office and deposit cash through the cash desk.
2. Remotely in a personal document.
3. Through an ATM.

How to withdraw funds?

Some investment programs provide for the replenishment and withdrawal of part of the funds without loss of interest and sanctions. The only withdrawal requirement is to maintain a minimum balance, which is 500 rubles. You can receive funds using your card at an ATM or at a bank cash desk. To do this you need to contact the office. The possibility of withdrawing funds is provided by the Pension Plus program.

How to close a deposit?

If you need to withdraw funds before closing your account, you should contact a convenient branch. The following documents are required:

1. An agreement signed by two parties.
2. Closing Statement.

After checking the amount of savings and income, you can receive funds from the cash desk in cash or by money transfer.

Calculation of the profitability of a deposit in Rosselkhozbank

For the convenience of clients, the official website has a calculator that allows you to calculate the prospects for an investment. To use it, you need to type in the appropriate fields the expected amount and the period for which you can leave the funds in the palace.

For example, if you deposit an approximate amount of 2,000 for a period of two years, the profit will be up to 226,000 rubles. The difference between the service and similar ones on other official bank websites is the provision of comprehensive information on all types of investments.

This makes the choice easier, since all the conditions are before your eyes.

Is government participation in the bank important to you?Important

Doesn't matter

Terms of deposit in Rosselkhozbank Rosselkhozbank is one of the most reliable financial institutions in Russia, its shares belong to the state. Since 2015, he became a participant in the savings insurance program.

Clients who have one or more deposits in an amount not exceeding 1,400,000 will be refunded in full if the bank is closed. free card"The Amur Tiger - a card for investment." To receive this service, there is a minimum amount that must be in the account. It is equal to 50,000 rubles.

If a saver urgently needs to get money from a savings account, then in most cases he loses income. Preservation interest rate provided that this service is provided for in the concluded contract. For example, the “Pension Plus” offer allows you to withdraw funds at any time, leaving a minimum balance in the account a small amount

at 500 rub. If this clause is not in the agreement, then the account is closed with an interest rate “on demand” equal to 0.1%.

If there is a sum of money in the house that can be put aside. Then you should think about making it profitable. With Rosselkhozbank this is easy, especially if you are a pensioner. Having a certificate in hand, here you can make a deposit that will bring profit monthly. What kind of contribution this is and under what conditions will be discussed below in the article. Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem

- contact a consultant:.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week It's fast and!

FOR FREE

About the bank Rosselkhozbank is one of the largest and most reliable among those who support the agricultural industry today. 100% of the bank's shares are in the hands of the state. Created in 2000 with the aim of developing lending in the region

Agriculture , development of agricultural areas in Russia.:

• Today
• is a universal bank that allows here
• carry out funds transfer operations;

making a deposit at interest;

paying bills, etc.

Here you can also find advantageous offers on deposits for pensioners and military personnel. The high interest rate and convenience of such deposits will allow you to increase your accumulated funds several times.

Conditions

The deposit for a pensioner can be in foreign currency or in rubles. It does not matter. But it is worth remembering that the interest accrued on the deposit will be saved only if the minimum irreducible amount of the deposit (500 rubles) is maintained in the account. If a pensioner needs to repay the deposit ahead of schedule, then interest is paid at the rate

“On demand” in the currency in which the deposit was made. Payment "On demand" implies an interest rate of 0.1% per annum, which should not be forgotten and argued with the bank about small percentage It makes no sense if you withdraw funds before the period for which the deposit was calculated.

What kind of deposits does Rosselkhozbank offer for pensioners?

Most advantageous offers for those who can provide a pension certificate when making a deposit at RosselkhozBank, the following can be mentioned.

Deposit type	Deposit terms
Fabulous percentage	Allows you to deposit an amount from 3,000 rubles into your account at 9–13% per annum. There are no payments before the end of the term and no additional contributions. You can deposit money for 540 days.
Pension plus	Opens for 365 or 730 days, interest rate is 8.35 and 8.85%, respectively. The minimum you can deposit is 500 rubles. It is possible to replenish the contribution and capitalize interest.
Classical	The minimum amount is 3000 rubles. It is possible to deposit funds for 31 days or 1460 days. Rate – 7.15 – 10.3%. Interest is paid either monthly or at the end of the deposit term.
Cumulative	The minimum deposit is 3 thousand, the opening period is 91 days - 370 days. Replenishment is possible, but not less than 3 thousand rubles. Rate – 8.85%.
Managed	To make a deposit, an amount of 10,000 rubles is required. Validity period 180 – 370 days, rate 8.10 per annum. It is possible to withdraw funds up to the minimum balance, as well as replenish the contribution.

Video: Deposit with increasing interest rate

How to open

By contacting RosselkhozBank, deposits for pensioners become income and benefit for an elderly person and his relatives, since it is possible to open a deposit for a minor child on behalf of the pensioner.

You can open a deposit here by following these steps::

• contact any bank branch with a request to open a deposit for a pensioner;
• present a pension certificate or any other document that confirms your lifelong maintenance by the state (payment of pensions according to a medical examination, by court decision);
• provided that a woman aged 55 years and a man aged 60 apply, all they need is a passport to make such a deposit (or if they have less than 2 months left before reaching retirement age);
• read all the terms of the agreement that is signed when making a deposit;
• sign an agreement;
• deposit funds into the account;
• receive an agreement with the bank in your hands.

Rates

The interest rate for deposits at a given representative office can be very different. It all depends on the type of contribution the retiree wants to make.

It is important not to forget that the “Demand” interest is 0.1% per annum.

Everyone here has the right to choose for themselves the most profitable option according to the interest rate, which will be accrued depending on the period for which the funds are deposited in the bank. Note that the interest rate does not depend on the amount you invest. The only thing that is dominant and decisive is the term, which varies depending on the type of deposit.

Interest accrual

Having made a deposit in any bank, everyone wants to calculate what they should receive and how much interest is charged. RosselkhozBank has monthly interest capitalization. That is, interest on deposits from pensioners is accrued every month, and the profit from the deposit grows.

Capitalization is a convenient function that allows you to increase the initial amount deposited in the bank. It looks like this - interest is accrued from the beginning on the first amount, then it is added to the original amount and the second interest is accrued on the increased amount.

• indicate the amount you deposit in the bank;
• bid annual interest, which you know according to your deposit;
• the period for which you place a deposit and sign an agreement;
• capitalization periods according to the agreement and bank conditions.

By entering this data, you receive a response at lightning speed and decide which type of investment to choose.

Insurance

The fear of investing money today in most cases is due to the fact that clients are not guaranteed payments.

That is, anything can happen to the bank, and the client who invested his funds is left without money, because the bank simply does not have the funds to pay. Rosselkhozbank has deposit insurance. What does this mean? There is a special service that insures all funds invested in the bank. Even if difficult times come at the bank, this service

is obliged to return a certain amount to investors.

That is why RosselkhozBank is one of the most reliable means of trust. They care about clients and their reputation.

Documentation

To contact a bank, whether you want to get a loan or deposit money at interest, you should go with a package of documents. Only some operations require more of them. But in order to deposit the amount for a pensioner at RosselkhozBank, you do not need to have large quantities certificates

After presenting these documents. The deposit is immediately made according to the type chosen by the client.

Taxation

In Russia, taxation of deposits is regulated by law. The tax rate is removed from the interest accrued on the deposit. The bank withdraws 35% automatically when interest is calculated (if interest is calculated monthly, then taxation occurs monthly).

But not all interest rates from the bank are subject to taxation. In the event that the bank offers a deposit rate higher than 13.25%, then the depositor will lose the amount according to the law on deposit taxation. If the bet is lower, then there is no loss.

If the contribution to Russian bank in foreign currency, then, at a rate above 9% per annum, the investor gives 35% of the difference to the state.

How to top up your deposit

Deposits for pensioners at Rosselkhozbank may or may not be replenished. But the most profitable option “Pension Plus” is therefore better, since it is replenished.

You can do this according to the following scheme:

• decide whether you want to top up cash or non-cash;
• come to a bank branch;
• present an identity document and a deposit agreement where the account is indicated;
• if you top up with cash, then deposit the funds into the cash register and that’s it;
• when replenishing by non-cash, it is worth transferring funds from another account in this or third party bank, transfer funds from a bank that allows you to open an account for the transfer.

How to withdraw funds

In order to withdraw funds, just use your card at an ATM. Provided that you do not want to close the account, your deposit has an interest withdrawal service. If withdrawal is not provided, then the opportunity to use the funds will only be at the end of the deposit period.

It is also possible to withdraw funds at the cash desk of any bank branch, if that is more convenient for you.

How to close

To close the treasure, you should also contact a bank branch. But remember that closing early will lower your interest rate.

If the deadline has already come and you do not want to extend, then:

• contact the bank with a request for closure;
• indicate the deposit account you want to close;
• indicate where to transfer the balance.

Elderly people have become separate target audience for banks. For them, special offers are being developed for deposits and loans with an increased interest rate for the former and a reduced one for the latter.

Deposits for pensioners in Rosselkhozbank are profitable investment funds for a long period: from a year to several years.

Tariff "Pension income"

The “Pension Income” tariff is one of the most attractive deposits for pensioners at Rosselkhozbank today.

The financial institution will pay high interest rates even despite the possibility of replenishing the account during the entire period of the contract. Conditions:

1. The deposit is opened after depositing an amount of 500 rubles. There is a limitation: you can only invest up to 2 million rubles.
2. The interest rate varies depending on the term of the agreement. If it is concluded for 395 days, then the rate is 6.45% per annum, for 540 days - 6.55% per annum, for 730 days - 6.65% per annum.
3. The deposit is made for men over 60 years of age or for women over 55 years of age. It can also be opened for children to whom the Pension Fund pays monthly insurance benefits for maintenance (this will require a certificate from the Fund confirming the existence of such payments in favor of the minor).
4. Interest is accrued every month or at the end of the contract period (at the client’s choice). The investor can also choose to transfer income to a linked account or plastic card. A similar option is to leave the funds received from the bank on deposit and capitalize them to the principal amount.
5. As noted above, you can top up your deposit at any time (in most financial institutions there is a limit of 1-3 months after opening a deposit). The minimum replenishment amount is 1 rub. The maximum is limited by the established limit: the amount of money in the account should not exceed 2 million rubles.
6. Partial withdrawal of money or its transfer to other accounts is not provided.
7. If the pensioner needed to return his money before the expiration of the agreement, then, unfortunately, he will not be paid the expected interest. They will be recalculated and only 0.01% of the investment amount will be transferred to the client.
8. If the depositor does not withdraw the money on time, the contract is extended for the same period and under the tariff conditions in force at the time of extension.

When opening a deposit for pensioners for 2018 at Rosselkhozbank, if an elderly person deposits at least 50 thousand rubles, the financial institution gives him an “Amur Tiger” debit card with an exclusive design.

Tariff "Pension plus"

The “Pension Plus” tariff is similar in terms to the “Pension Income” tariff, however, the financial institution allows you to invest money for even longer periods with an increase in the rate.

Current deposit conditions for pensioners at Rosselkhozbank for 2018:

1. The deposit is opened only in rubles. Foreign currencies for profit are not available.
2. The minimum investment amount is 500 rubles. There is also a “ceiling”, but unlike “Pension income”, here it is higher – 10 million rubles.
3. The deposit is made out either for men over 60 years of age, or for women over 55 years of age. Also, grandparents can enter into an agreement in the name of their minor grandchildren, and they can, if necessary, receive money at the nearest branch of Rosselkhozbank.
4. The interest rate is indexed depending on the term of investment. When concluding an agreement for 395 days, the profit will be 6.45% per annum of the investment amount, for 730 days - 6.65% per annum, for 1095 days - 6.85% per annum.
5. After transferring money to the bank, income will “drip” monthly into the account and will automatically be capitalized by the principal amount. Replenishment at the end of the agreement period or transfer of profit received to a plastic card or linked adjacent account is not provided.
6. You cannot partially withdraw money from the deposit or transfer it to adjacent accounts. Otherwise, the contract will be canceled.
7. If the client decides to withdraw the money ahead of schedule, then, unfortunately, he will not be able to count on the income specified in the contract. Profit will be recalculated based on a rate of 0.01% per annum.
8. If the elderly person does not withdraw the money on time, the transaction is automatically extended for the same period and under the conditions in force at the time of extension.

According to the terms of the tariffs for all deposits for pensioners in Rosselkhozbank in 2018, debit card“Amur Tiger”, if the client invests in the amount of 50 thousand rubles.

Tariff "Reliable Future"

On the official website of the Rosselkhozbank bank, there are no more deposits for pensioners, except for the “Pension Income” and “Pension Plus” tariffs.

But this does not mean that older people cannot take advantage of the conditions of other deposits.

One of the most favorable tariffs in a financial organization is “Reliable Future”. Conditions:

• the minimum investment amount is 50 thousand rubles, the maximum amount for the deposit is not established;
• the interest rate is different for agreements for different periods: if you conclude an agreement for six months, then it is equal to 7.75% per annum, and if for 395 days - 8.4% per annum;
• the deposit is opened only in the name of the client, it cannot be issued in favor of third parties;
• the transaction is concluded only if the client purchases an insurance policy that protects against risks to health and life;
• income is transferred on the last day of the agreement, there are no options for monthly profit accrual and capitalization;
• the deal is not automatically renewed, since it depends on the validity period of the insurance policy.

Many pensioners who have savings prefer to keep them in trusted banks. One of such institutions is Rosselkhozbank. All 100% of its shares belong to the state. The bank accepts different kinds deposits. Some of them are aimed only at pensioners, others are available to everyone individuals.

Rosselkhozbank for pensioners

Rosselkhozbank (RSHB) is a universal bank and offers different types pension programs for storing savings. They can be:

• with the possibility of replenishment;
• With partial withdrawal(while maintaining the minimum balance);
• with capitalization of interest (i.e. adding accrued interest to the “body” of the investment);
• with the transfer of interest to the depositor's account in this bank;
• no maximum amount limit;
• with extension;
• V different currencies: rubles, EURO or US dollars.

Conditions for deposits

RSHB deposits are provided to the population under certain conditions. Before opening a deposit account (d/s), you need to study information about the bank’s available offers. The investor needs to pay attention to:

• annual return;
• period of the program;
• minimum down payment;
• maximum size limitation;
• currency d/s;
• possibility of withdrawal Money;
• Additional services and bonuses (for example, preferential termination of the contract, free card as a gift, etc.).

For convenience, you can use the online calculator located on the official website of the Russian Agricultural Bank and calculate the expected investment according to certain parameters. There is another option - visiting a bank branch in person. In this case, the RSHB employee will tell you about the available banking instruments and will prepare the necessary calculation schemes so that the most useful investment can be made.

Requirements for depositors

Retired investors are subject to certain requirements. They may be:

• Any individuals (even minor child) in the presence of a pension certificate, a form from the Pension Fund of the Russian Federation establishing an insurance pension, or a court document assigning a monthly lifelong allowance.
• Women over 55 years old and men over 60 years old. In this case, you do not need to present your pension certificate.

Amount and term of deposit

Deposits in Rosselkhozbank for pensioners can be made for a period from 31 to 1460 days. The bank also opens a “On demand” account. Some financial investments can be extended. You can open a d/s with an amount starting from 500 rubles. (“On demand” - from 10 rubles). Investments under programs for pensioners are limited to a maximum of 1-2 million rubles. Other types of investments available to all individuals are limited to 10,000,000 rubles. On some accounts you can place savings without limiting the number of savings at all.

Interest rates

Interest rates at Rosselkhozbank for pensioners vary. Yield on demand account is fixed - 0.01%. Specialized pension programs (“Pension Income” and “Pension Plus”) have established some of the most high stakes compared to similar offers from competing banks - 5.9%. The yield on other deposits is from 0.5% to 7.3%. The bank has the right to unilaterally change the interest rate.

Deposit in Rosselkhozbank "Pension Plus"

“Pension Plus” is one of the main targeted savings offers of the Russian Agricultural Bank for pensioners. The deposit is provided in rubles under the following conditions:

• Interest rate - 5.9%.
• Investment period - 395 or 730 days.
• Interest capitalization occurs monthly.
• The maximum investment amount is RUB 1,000,000.
• The extension can be carried out automatically on the same conditions under which the deposit was valid before.
• In case of early closure of an investment, interest is accrued at the rate of the “On Demand” program.

Deposit “Pension income”

A deposit in Rosselkhozbank for pensioners “Pension income” is possible under the following conditions:

• Interest rate - 5.9%.
• Investment period - 730, 540 or 395 days.
• Interest is paid monthly on the last day of the month and at the end of the program term. The pensioner chooses whether this will happen by transferring interest amounts to his account at the Russian Agricultural Bank or by capitalization.
• Minimum size first installment - 500 rubles, the same amount is the minimum balance.
• Replenishment is possible: minimum additional contribution - 1 rub.
• The maximum investment amount is RUB 2,000,000.
• The extension can be carried out automatically on the same conditions under which the deposit was valid before.
• In case of early closure of an investment, interest is accrued at the rate of the “On Demand” program.
• Expense transactions while maintaining the interest rate cannot be made.
• As a bonus, a free card is offered with the tariff plan “Amur Tiger - card for deposit” when opening a deposit account in the amount of 50,000 rubles or more.

Profitable Rosselkhozbank deposits for individuals in 2019

Pensioners have the right to open any d/s, and not just those specifically designed for a given age category. They can make an investment current programs in Moscow and other cities of Russia where there are branches of the RSHB. In 2019, Rosselkhozbank offers such a line profitable deposits for individuals (data presented in table form):

Deposit name	Deposit conditions:
	Opening online	Accrual and payment of interest	Validity period (in days)		Minimum down payment amount	Replenishment	Maximum amount	Maximum bet	Expense transactions with maintaining interest rate	Additional features
"European" (increased rate)		at the end of the period				not provided	not limited			no automatic renewal
“Profitable” (increased rate)		optionally: monthly or at the end of the term; capitalization or to account	31, , 1460		3000 RUR or 50 USD	not provided	not limited	6.7% - RUR, 2.9% - USD		automatic renewal is limited;
"Investment"		at the end of the period			50,000 RUR or 1,000 USD	not provided	not limited	7.3% - Russian rubles, 2.85% - US dollars		automatic renewal is not provided; free card when opening an investment of 50,000 rubles. and more; the program is available when purchasing a share(s) of shares investment funds managed by RSHB Asset Management LLC
"Amur tiger"		monthly and at the end of the period to a specially designed free card					not limited			extension on the same terms
Replenishable" (increased rate)			91, 180, 270, 395, 455, 540, 730, 910, 1095		3000 RUR or 50 USD			5.85% - Russian rubles, 2.6% - US dollars		automatic renewal is possible, but limited; free card with an investment of 50,000 rubles. and more
"Save for a dream"		monthly capitalization			3000 RUR or 100 USD		10,000,000 rub. or 300,000 US dollars	4.9% - Russian rubles, 2.4% - US dollars		automatic renewal under the same conditions; in case of early closure, interest is calculated for the actual time the money is spent, subject to certain requirements
“Comfortable” (increased rate)		monthly: capitalization or per account	91, 180, 270, 395, 455, 540, 730, 910, 1095		3000 RUR or 150 USD	yes, maximum 30 calendar days before the deadline	10,000,000 rub. or 300,000 US dollars	4.35% - Russian rubles, 1.85% - US dollars	yes, while maintaining a minimum investment minimum	the minimum minimum amount of funds is determined by the client and does not change throughout the entire period
"Poste restante"		quarterly		Russian rubles, EURO, US dollars	10 rubles, 5 EURO or 5 US dollars		No limits		yes, up to the minimum balance: 5 US dollars, 5 EURO or 10 rub.	additional contributions are made both in cash and by bank transfer

How to open a deposit in Rosselkhozbank

You can open a d/s at the Russian Agricultural Bank both online and in any branch of this institution. In the first case, this happens remotely in a special mobile application or on the official website of the institution (Internet bank). It is also possible to make an investment through an ATM of Rosselkhozbank; a cash receipt will serve as confirmation of the transaction. To open a deposit during a personal visit, you need:

1. Choose the optimal type of investment, taking into account the conditions for its provision.
2. Write an application for placing a deposit.
3. Provide the bank employee with an application and a basic package of documents.
4. Conclude an agreement with RSHB.
5. Deposit a certain amount of funds specified in the agreement with the bank. Once the money is received, the deposit is considered placed.
6. Open an additional account to receive interest on the investment (if this is included in the terms of the selected program).

List of required documents

When registering a personal account, pensioners provide the following documents:

• Russian Federation passport;
• Application for investment placement;
• Pension certificate (does not need to be provided to women aged 55, men aged 60, and individuals 2 months or less before the appointment of an old-age pension);
• Pension Fund document on the assignment (establishment) of an insurance pension (if necessary);
• Form for the appointment of monthly lifelong maintenance from the courts of the Russian Federation included in the country’s judicial system (if necessary).

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