Security Forms of repayment Terms of credit card Client's personal details Purpose pledged Agevehiclesof beto pledged Locationrealof estate beto value) basedon their liquidation equipment,calculation is vehiclesorplant and securedby real estate, ratio*** (LTV) the(if loan is Maximumloan-to-value Eligiblesecurity Interestcalculation Minimumpayment required Graceperiod Interestrate (months)Term card Increasecreditof limit of creditlimits** Minimumand maximum Cardpackage fee service Currency Residency borrower/guarantor Eligibleage client/co-of Purpose Appraisalpledgeof Retail Retail Lending Terms and Conditions 6.7 VISA Infinite credit bycard secured property (including paper gold and cash) Ifthe client does not make repayment, utilized amounts bear interest starting from daythe first withdrawn. same The interest accrues to borrowerorguarantor isrequired. eligible The age co-borrowerof orguarantor is18-65 provided thethatat time expiryof agreementof possessleastat 70% incomeof included calculation), in OTI the eligible age is18-65 provided thethatat time expiryof agreementof it Applicableinterest ratecash/bond for 4%,+ but in any case not more than the rates specified theabove,if loan and the collateral are - Capitalcities and regional centers Armeniaof asandwell Artsakh, as the towns ,of Etchmiadzin, Jrvezh, , , Where the insurance realof Where estate isobtained by the client, the interest rate isreduced by 0.05%, based on the share eachof type of 18-65years old, provided thatthe borrower's age theat time expiryof loanof agreement will notexceeded have 65, otherwise aco- Where the client chooses arepaymentWhere option without early repayment feeloans for exceeding AMD 15 million, the interest rate is Ifinvolvement aofco-borrower orguarantor isarequired condition under loan terms (except where co-borrowers orguarantors AMD7,500,000 AMD- 100,000,000 Realestate,vehicles theto reasonable satisfaction metaltheof bank, accounts in gold, cash and bonds issued by Ameriabank Max12 years foreignfor brand vehicles other than vehicles made in Russia, China and Iran, in which case max age is8years 10%utilizedof amount asin account statement, orAMD 5,000/USD 10/EUR 10, whichever thegreater, plus accrued interest Where the client wishes thatinsurance Where pledgeof should be obtained by thethe rate bank, interest of isincreased by: The valuetheof loan The security shall be included in the estimation ratio in theanof LTV amount not more than: AMERIABANK CJSC Ifthe client repays the whole amount utilized in one month during the grace period, no interest accrues. Ifloan-to-value ratio differs from approved standard, the applicable interest rate isincreased by 0.5%. 15.5% Ifrepayment schedule isdifferentiated ormixed, the applicable interest rate isincreased by 0.5%. AMD *Notapplicable loansto secured by cash/bonds and credit cards Premiumto and Partner clients .Propertyand equipment: 40%, but not more than 30% theof valueaggregate of pledge 3. Depending on credit history, the applicable interest rate can be increased by 0.5%. by0.5%. increased be can rate interest applicable the history, credit on Depending Ifthe loan issecured by cash orbonds issued by Ameriabank, the interest rate is: Ratesspecified theabove,if loan and the collateral are in different currencies - Pledgedproperty beto appraised by an appraising partner theof bank. increasedby 2% (not applicable loansto secured by cash/bonds). Citizensand non-citizens Armeniaof who are resident in Vehiclesbeto appraised by an appraising partner theof bank. -70%currenciesif theof collateral and the loan are different amountsutilized thatandafter ispayable on monthly basis. -90%currencyif theof collateral isthe same astheof loan .Realestate:70% inif ,60% outsideif Yerevan 1. .Metalaccounts in gold with Ameriabank: 80% 4. .Cashcollateral/bonds issued by Ameriabank: 5. AMD10,000 monthly/AMD 100,000 annually 0.5%theif pledge isplant and equipment. • ,Dilijan, Qajaran and Jermuk 2.5%theif pledge isvehicle, or • it willit notexceeded have 65. assetsin the total collateral. USD15,000 USD- 200,000 willnotexceeded have 65. inthe same currency .Vehicles:60% 2. Up51to days AMD5,000 Payments 12.5% USD N/A Effective date: 11RBD PL 11RBD 72-03-01 Edition February 24,2021 EUR15,000 EUR- 200,000 42 10.5% EUR Security

Additional security The bank may request guarantee of individuals and/or companies as additional security.

The insurance of real estate, vehicles and plant and equipment is maintained throughout the loan term: 1. If obtained by the client: at least to the extent of the credit limit 2. If obtained by the bank: to the extent of the credit limit The bank does not obtain insurance for the following vehicles: • Vehicles transporting hazardous materials (toxic substances, chemicals, radioactive and explosive materials) • Vehicles to be used in races, test drives; vehicles which have three wheels, snow removers, motorcycles, special purpose vehicles • Taxis and rental cars

Insurance of property

Insurance for pledged vehicles to be maintained throughout the term of loan: 1. If obtained by the client: at least to the extent of outstanding principal 2. If obtained by the bank: to the extent of outstanding principal The bank does not obtain insurance for the following vehicles: Insurance of pledged property of pledged Insurance • Vehicles transporting hazardous materials (toxic substances, chemicals, radioactive and explosive materials) • Vehicles to be used in races, test drives; vehicles which have three wheels, snow removers, motorcycles, special purpose vehicles • Taxis and rental cars

Required documents filed together with loan application

• Loan application

• ID [original]

• Certificate of ownership of property to be purchased/pledged [copy]

Documents required after initial approval

• Proof of employment and/or other income

• Marriage (divorce, spouse death), birth certificate [original]

• Certificates of registration and ownership certificates of vehicles to be pledged [original]

• Certificate of title to real estate to be pledged [original]

• Geodetic measurement report of land plot to be pledged***** Required documents • Initial report on appraisal of real estate/vehicle

Documents required after loan approval

Required documents Required Copies of bases of title to real estate (to be submitted upon request)

• IDs of owners of property to be purchased/pledged [originals]

• Copies of marriage (divorce, spouse death) certificates of owners of property to be pledged

• Statement from the State Committee of Real Estate Cadaster on encumbrance of real estate (unified statement)

• Statement, issued by the Police, on encumbrance of vehicle

• Real estate appraisal report (final)

• Real estate/vehicle insurance policy

• Other documents as the bank's specialist may request

5% of prepaid amount, chargeable if early repayment of the whole or part of loan is made during the first 3 years of loan term. Early repayment fee Applicable to loans exceeding AMD 15 million where the credit limit has been prepaid in full. Not applicable to loans secured by cash or bonds.

Late payment fines and The interest rate specified in the loan agreement shall continue to be applied to overdue loans. penalties Fine in the amount of 0.13 % of overdue loan/interest for each day beyond terms

Lump-sum fee for failure to make required minimum AMD 5,000

Other amounts payable Other amounts monthly payment when due****

• Fee for unified statement from the State Committee of Real Estate Cadaster of the Government of the Republic of Armenia Other fees payable by client • Fees for notarization of pledge (real estate or vehicle) and filing of the bank’s security interest under pledge agreement • Fee for statement from the Police on encumbrance of vehicle

Miscellaneous