IDsalary package

Types of cards provided within the package

Mastercard Standard

Visa Gold

Annual card account service fee

1) Mastercard Standard-free of charge,

2) Visa Gold-2,000 AMD Annual

Commission fee for cash withdrawal from ATMs of the Bank

1) Mastercard Standard-0%*,

2) Visa Gold-0%*

* - This tariff is valid in case of withdrawals from the account up to 1,000,000 AMD (equivalent foreign currency) during the calendar month. In case of exceeding the limit, a 1% cash withdrawal commission will apply. The mentioned tariff applies to newly ordered cards and term reissues from 20.09.2021

Commission fee for cash withdrawal from ATMs of other banks of ArCa system

In side of Mastercard Standard and Visa Gold cards provided within the package:

0% for withdrawals of up to 500,000 AMD (equivalent foreign currency) during a calendar month,

1% for withdrawals exceeding AMD 500,000 (equivalent foreign currency) during a calendar month.

Annual service fee for the 2nd card account in foreign currency:

50% discount from the annual fee for servicing Visa Gold or Mastercard Standard card accounts operating in the Bank. Other terms of card account provision and service are defined in accordance with the information bulletins of Visa Gold or Mastercard Standard cards.

Additional provision of card account statement at the Bank, by mail or by email:

Free of charge

Visa Signature card account annual service fee:

50% discount from the annual fee for Visa Signature debit or credit card account service at the Bank. The decision to issue a card under these conditions shall be made by the Bank. Other terms of card account provision and service are defined in accordance with Visa Signature debit or credit cards information bulletins.

Other conditions:

Depending on the type of card, operating in the Bank, respectively, 1. According to information bulletin of debit payment cards,

2. According to information bulletin of credit payment cards,

3. According to information bulletin of Mastercard payment cards.

*

This tariff applies to withdrawals of up to 1,000,000 AMD (equivalent foreign currency) from the account during the calendar month.

Annual nominal interest rate

14% - 17%. In case the client is an:

1. Employee of an organization operating in the field of information technologies,

2 . Employee of a public organization,

3. Employee of an entity included in the list of 1 to 500 (inclusive) large taxpayer organizations.

15% -18% in case the client is not an employee of the above areas

Annual actual interest rate

14.94% - 20?49% / 16.02% -21?38%

Limit

Up to fifteen times the net salary, a maximum of AMD 10,000,000

Other conditions:

According to the Bank?s information bulletin on 'Profi' loan provision terms and conditions.

Rental fee:

20% discount according to Deposit box rental terms and conditions.

Other conditions:

According to Deposit box rental terms and conditions.

Online/Mobile banking:

Free of charge

Limit

In double the amount of net salary, a maximum of AMD 10,000,000. Provision of a limit exceeding the specified limit in accordance with the Rocket Line credit/credit limit.

Terms and conditions

According to the information bulletin Rocket line loan/credit line limits

Conditions of mortgage loans

Discount on mortgage loans provided at the expense of own resources

In the amount of 0.25%, other conditions according to the bank's newsletter on mortgage loans

Conditions for provision of IDsalary package

The package is provided to individual customers who plan to receive/receiving their salary through the Bank, regardless of the existence of a cooperation agreement with the employer.

Receiving a net salary of AMD 200,000 per quarter through the Bank is considered to be the minimum salary to use the package.

IDsalary package connection fee:

Free of charge

Package monthly service fee:

Free of charge