Account Holder: Resident or non-resident legal entity and individual entrepreneur of the Republic of Armenia. Account Currency¹:՝ Armenian dram (AMD), US dollar (USD), Euro (EUR), Russian ruble (RUB), Swiss franc (CHF), British pound sterling (GBP), Canadian dollar (CAD), Chinese yuan (CNY), and Georgian lari (GEL). Account Term: Unlimited (open-ended). Opening, Servicing, and Closing of the Account:

Minimum Account Balance of the Client²

• Resident Legal Entity - AMD 15,000 (or the equivalent amount in foreign currency)
• Resident Individual Entrepreneurs - AMD 5,000 (or the equivalent amount in foreign currency)
• Non-resident - AMD 100,000 or the equivalent amount in foreign currency (for all accounts)

Maintenance and servicing of an account that has not been active for one year³

• For Individual Entrepreneurs - Up to AMD 1,500, based on the account balance
• For Legal Entities - Up to AMD 5,000, based on the account balance

Annual Interest Rate Applied to the Daily Account Balance(Accrued interest amounts are paid on a monthly basis, on the last day of each month)

• For AMD-denominated accounts (excluding accounts opened for POS terminal servicing purposes) - 0%
• For AMD-denominated accounts opened for POS terminal servicing purposes - 0%
• For foreign currency-denominated accounts (including accounts opened for POS terminal servicing purposes) - 0%
• For special payment accounts opened for payment and settlement organizations - 0%
• Account Closure - 0 AMD
• Possible transactions through the account include settlement and cash services, which comprise the crediting of funds to the Account opened by the Account Holder, execution of the Account Holder’s instructions for making transfers from the Account, cash withdrawals, and other account-related transactions, in accordance with the terms of the «“General Rules for Opening and Servicing Bank and Unallocated Metal Accounts of AMIO BANK CJSC.”
• Upon the Account Holder’s instruction, the Bank shall debit or transfer funds from the Account no later than the next business day following the receipt of the relevant payment document by the Bank, unless another term is stipulated by the Application-Agreement on joining the “General Rules for Opening and Servicing Bank and Unallocated Metal Accounts of AMIO BANK CJSC.” the “General Rules for Opening and Servicing Bank and Unallocated Metal Accounts of AMIO BANK CJSC,” or the payment order, except for cases defined by the procedures for combating money laundering and terrorist financing.
• The Bank shall credit funds received to the Account Holder’s account no later than the next business day following the receipt of the relevant payment document by the Bank, unless a shorter period is stipulated by the Application-Agreement, the General Rules, or the payment order, except for cases defined by the procedures for combating money laundering and terrorist financing.
• The shorter period for debiting, transferring, or crediting funds based on a payment order may be established at the Bank’s discretion.
• Internal bank transfers are credited to the Account on the same banking day, except in cases of technical issues or other cases stipulated by the legislation of the Republic of Armenia.

¹Only non-cash transactions are permitted on accounts opened in Canadian dollars, Chinese yuan, and Georgian lari.

²This tariff does not apply to current accounts opened for servicing correspondent accounts, securities custody (depositary) accounts, loan accounts, card accounts, and deposit accounts.

³The tariff shall apply if no transactions have been performed through any of the accounts opened in the Account Holder’s name with the Bank during one year and if there is a positive balance on any of the Account(s). In case the Account Holder has more than one account, the tariff shall be charged separately for each account. If there is no balance available on any particular account, the tariff for maintaining such account shall be charged from other accounts opened in the Account Holder’s name with the Bank. This provision does not apply to special accounts stipulated under Chapter 50.1 of the Criminal Code of the Republic of Armenia.