Package IDhome

Annual interest rate

Fixed interest rate: Up to 13.25%

Improving condition* - starting from 4․99%

*The term and rate of the improving condition are defined based on the condition of cooperation between the Bank and the real estate developer.

Floating interest rate:

According to Information bulletin on "Mortgage loans for the purpose of acquisition of real estate property"

Effective interest rate

5.1%–24%*

*In addition, the effective interest rate of mortgage loans provided under the IDHome package may vary depending on the cooperation terms between the Bank and the developer, and cannot exceed the above-mentioned maximum interest rate.

Currency

AMD

Other terms

According to Mortgage loans for the purpose of acquisition of real estate property information bulletin applied in the Bank.

Within the scope of Idhome package of services the mortgage loan is provided with the Bank’s own resources.

Maximum loan amount

Up to 10% of the mortgage loan, not more than AMD 10,000,000

Other terms

According to ROCKET LINE loan/credit limit information bulletin applied in the Bank

Maximum loan amount

Up to 5% of the mortgage loan, not more than AMD 5,000,000

Other terms

According to Fast credit lines information bulletin applied in the Bank (irrespective of the amount, the credit lines provided within the scope of the package are provided through Visa Platinum card and under the conditions specified for the latter, as well as the card specified by the mentioned bulletin at the client’s request according under the conditions specified for the latter)

Card type

Visa Platinum

Annual card account service fee

Free of charge

Other terms

According to Credit payment cards information bulletin applied in the Bank

Account currency

AMD, USD, RUR, EUR

Account opening

Free of charge

Other terms

According to Tariffs of bank accounts, transfers, other services rendered by IDBank CJSC information bulletin applied in the Bank

Account currency

AMD

Interest rate

Interest rate applied in the Bank + 0,5%

Other terms

According to Savings accounts information bulletin applied in the Bank

Type

Finance Insurance

Insurance fee

Free of charge

Insurance coverage

Risks included

1. Insurance against unemployment

2. Insurance against accidents

3. Insurance against critical diseases

4. Insurance against hospitalization risk

Online/Mobile banking

Free of charge

Mortgage loan provision payment within the package

AMD 20 000, if the annual interest rate of the loan is 7,99% - 11%.

AMD 50 000, if the annual interest rate of the loan is 4,99% - 6,99%.

The fee is charged on a one-time basis at the moment of provision of the mortgage loan

Monthly package fee

AMD 2,000

Information regarding credit history and credit score

You can learn about the importance of credit history and credit score here·

Details via abcfinance.am and acra.am links.

1

ATTENTION: INTEREST PAYMENTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE. THE ANNUAL EFFECTIVE PERCENTAGE RATE INDICATES THE TOTAL COST OF THE LOAN TO YOU, INCLUDING INTEREST PAYMENTS AND ALL MANDATORY FEES RELATED TO THE ISSUANCE AND SERVICING OF THE LOAN, PROVIDED THAT ALL PAYMENTS ARE MADE IN THE AMOUNTS AND WITHIN THE TIMEFRAMES SPECIFIED IN THE LOAN AGREEMENT.

2

THE PROCEDURE FOR CALCULATING THE ANNUAL EFFECTIVE PERCENTAGE RATE IS PRESENTED WITH THIS LINK.

3

The Bank has the right to unilaterally amend the material terms of the loan, including the loan interest rate, or to require early partial or full repayment։ RULES FOR LENDING UNDER MASTER LOAN AGREEMENT CONCLUDED WITH “ID BANK” CJSC

4

A POOR CREDIT HISTORY MAY HINDER THE CUSTOMER’S ABILITY TO OBTAIN A LOAN IN THE FUTURE.

5

IN THE EVENT OF OVERDUE OBLIGATIONS, REPAYMENTS SHALL BE APPLIED IN THE FOLLOWING ORDER: EXPENSES INCURRED FOR DEBT RECOVERY, INCLUDING COURT COSTS (IF ANY), PENALTIES ON INTEREST, PENALTIES ON THE LOAN PRINCIPAL, INTEREST, SERVICE FEES AND COMMISSIONS (IF ANY), AND THE LOAN PRINCIPAL. THE BANK RESERVES THE RIGHT TO UNILATERALLY CHANGE THE ORDER OF REPAYMENT SPECIFIED IN THIS CLAUSE AT ANY TIME.

6

Disputes arising between the parties may be resolved through the courts or through the Financial System Mediator (in accordance with the procedure established by the RA Law on the Financial System Mediator), address: 15 M. Khorenatsi Street, Elite Plaza Business Center, 7th Floor, Yerevan 0010, Republic of Armenia, e-mail: [email protected], telephone: (+37460) 70-11-11, fax: (+37410) 58 24 21. Furthermore, if the amount of the property claim does not exceed AMD 250,000 (two hundred fifty thousand) or its equivalent in foreign currency, the decisions of the Financial System Mediator may not be challenged by the Bank.

7

The Bank may, for the purposes of customer due diligence as required by the RA Law on Combating Money Laundering and Terrorist Financing, request additional documents or information based on the “Know Your Customer” (KYC) principle.

8

Pursuant to the agreement concluded with the United States under the Foreign Account Tax Compliance Act (FATCA), the Bank may collect additional information to determine whether the customer is a U.S. taxpayer, as well as to provide the State Revenue Committee of the Republic of Armenia with information on customers who are foreign tax residents in accordance with the Common Reporting Standard (CRS) of the Organisation for Economic Co-operation and Development (OECD), as prescribed by the RA Tax Code.

9

THE BORROWER HAS THE RIGHT TO COMMUNICATE WITH THE BANK THROUGH THE METHOD OF THEIR CHOICE, EITHER BY POSTAL MAIL OR ELECTRONIC MEANS. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT OPTION. IT IS AVAILABLE 24/7, ELIMINATES THE RISK OF LOSING PAPER DOCUMENTS, AND ENSURES CONFIDENTIALITY.

10

DURING THE TERM OF THE LOAN AGREEMENT, INFORMATION ON THE TERMS FOR THE PROVISION OF STATEMENTS, DUPLICATE STATEMENTS, AND CERTIFICATES IS AVAILABLE AT THE FOLLOWING LINK: Tariff։

11

The list of the Bank’s branches and ATMs, as well as their addresses and business hours, is available at the following link:Branches and ATMs:։

12

ATTENTION: WHEN APPLYING FOR A LOAN, THE LENDER WILL PROVIDE YOU WITH AN INDIVIDUAL SHEET OF THE ESSENTIAL TERMS OF THE CONSUMER LOAN, WHICH WILL PRESENT THE INDIVIDUAL TERMS OF THE LOAN TO BE PROVIDED TO YOU.

13

WARNING: YOUR PROPERTY (HOME, VEHICLE, OR OTHER ASSETS) MAY BE SEIZED IN ACCORDANCE WITH THE LAW IF YOU FAIL TO MAKE TIMELY PAYMENTS OF INTEREST AND REPAY THE LOAN AMOUNT.