Partnership Scope of Partnership Special package of services

Partnership

Scope of Partnership Special package of services for Repat. Armenia community members Other banking services for Repat. Armenia members Consulting clients via Repat. Armenia, participating in seminars, if required Embossing Repat. Armenia on payment cards Supporting repatriates as an employer

Key Banking Services Proposed Bank account opening Free 24/7 card monitoring Master. Card Standard/ Visa Classic Card blocking/unblocking Receiving account statements by email Ameria Online/ Mobile Banking Consumer loan / Line of credit SMS alerts

Individual Banking Services Standard fee Proposed fee Bank account opening AMD account opening FX account opening Free AMD 1, 000 per account Distance banking Ameria Online/ Ameria Mobile (Lump sum) AMD 3, 000 / AMD 1, 000 Payment card issuance Master. Card Standard/ Visa Classic AMD 6, 000 p. a. Visa Pay Sticker AMD 5, 000 p. a. AMD 3, 000 lump sum

Consumer Loans Not Secured by Property Term Residency Citizens of Armenia and other countries who are resident in Armenia Individuals resident in Armenia Annual interest rate on consumer loans not secured by property 17% Currency AMD Credit limit (If documented income is received via Ameriabank) Max loan amount Loan term Loan cashing Loan disbursement upfront fee* *Not applicable to online applications **If the applicant does not receive documented income via Ameriabank: 6 x of the documented income or AMD 3 million, whichever is less Max 8 x of documented income** AMD 10 million** 60 months Free 0. 5%, min AMD 20, 000 In case of loans not exceeding AMD 1 million: AMD 5, 000

Consumer Loans Secured by Property Term Residency Citizens of Armenia and other countries who are resident in Armenia Individuals resident in Armenia Lowest interest rate on the consumer loans secured by property 15% Currency AMD Minimum and maximum loan amount Loan term* Loan cashing Loan disbursement upfront fee 61 -120 (only for loans secured by real estate) AMD 3 -50 million 36 -120 months Free 0. 5%, min AMD 50, 000

Mortgage loan Term Residency Interest rate on home loans (purchase, renovation, construction) Citizens of Armenia and other countries who are resident in Armenia Individuals resident in Armenia Starting from 11, 5% 9% 7% Currency AMD/USD/EUR Loan term 36 -240 months Minimum down payment Loan cashing Loan disbursement upfront fee 5%-10% Free 0. 5%, min AMD 50, 000

Car Loans Term Residency Currency of loan Annual interest rate Loan term Minimum and maximum loan amount Minimum down payment Loan cashing Loan disbursement upfront fee Citizens of Armenia and other countries who are resident in Armenia Individuals resident in Armenia AMD Primary market: 14. 5% Secondary market: 17. 5% 36 -84 months AMD 3 million - 50 million 10%-30% Free 0. 5%, min AMD 50, 000

ALWAYS AT HAND 18 branches More than 1, 000 service points and merchants Distance banking platforms Over 100 ATMs Contact Center

Branches: YEREVAN Kamar Sayat-Nova 2 Vazgen Sargsyan St 8 Sayat Nova, pr. 47 Mon-Fri: 9: 30 a. m. 5: 00 p. m. Mon-Fri: 9: 30 a. m. -5: 00 p. m. Sat. : 10. 00 a. m. -3. 30 p. m. Gr. Lusavorich Komitas 9 Gr. Lusavorich 12 Komitas, pr. 102 Mon-Fri: 9: 30 a. m. 5: 00 p. m. Mon-Fri: 9: 30 a. m. -5: 00 p. m. , Sat. 10. 00 a. m. -3. 30 p. m.

Branches: YEREVAN Yeritasardakan 22/8 A. Isahakyan Mon-Sun: 10: 30 a. m. 9: 15 p. m. Arshakunyats Nork 16 Gai Ave. , Megamall Masiv Trade Center Mon-Sun: 10: 30 a. m. 9: 15 p. m. Arshakunyats Plus 34/3 Arshakunyats Ave. , Yerevan Mall Trade Center Mon-Sun: 10: 30 a. m. 9: 15 p. m.

Branches: YEREVAN Kochar Moskovyan 8 Papazyan St. , Rio Mall Trade Center 48 Mashtots Ave. , 2/1 Mon-Sun: 10: 30 a. m. 9: 15 p. m. Mon-Fri: 9: 30 a. m. -5: 00 p. m. Shengavit 18 Bagratunyats St. , pr. 112 Mon-Fri: 9: 30 a. m. -5: 00 p. m. , Sat. 10. 00 a. m. -3. 30 p. m.

Branches: PROVINCES Dilijan Kumayri 66 Miasnikyan St. , Dilijan, Tavush Province Abovyan 248/7, Gyumri, Shirak Province Phone: +374 268 23006, +374 268 23008, +374 268 23009 Mon-Fri: 9: 30 a. m. -5: 00 p. m. Phone: +374 10 56 1111 Mon-Fri: 9: 30 a. m. -5: 00 p. m. Kajaran Abovyan 16/31 Lernagortsneri St. , Kajaran, Syunik Province 7/2 Sahmanadrutyan Sq. , Abovyan, Kotayk Province Phone: +374 285 Phone: +374 10 561111, Mon-Fri: 9: 30 a. m. -5: 00 p. m. 32211, +374 285 32311 Mon-Fri: 9: 30 a. m. -5: 00 p. m.

Branches: PROVINCES Vanadzor 65 Tigran Mets St. , Vanadzor, Lori Province +374 322 40124, +374 322 40118 Mon-Fri: 9: 30 a. m. -5: 00 p. m. Kapan 1 Shahumyan St. , Kapan, Syunik Province Phone: +374 285 20334 Mon-Fri: 9: 30 a. m. -5: 00 p. m. Jermuk 14/3 Shahumyan St. , Jermuk, 3701, Vayots Dzor Province Phone: +374 10 561111 Mon-Fri: 9: 30 a. m. -5: 00 p. m.

THANK YOU! www. ameriabank. am | 010 561111