Notes

1. 1

   Any services and tariffs not included in this Package are provided to customers in accordance with the Bank’s standard terms and tariffs․ The preferential tariffs available under the Package do not apply to loans, deposits, or other banking products and services provided under special preferential terms.

2. 2

   The minimum average positive balance maintained during the preceding three months in the customer's accounts with the Bank (including depo accounts, savings accounts, and deposits), in AMD or the equivalent amount in foreign currency.

3. 3

   The minimum monthly net salary and equivalent income credited to the customer’s account with the Bank (in AMD or the equivalent amount in foreign currency).

4. 4

   For PLUS Digital and PLUS Club packages, the non-compliance fee is charged for six consecutive months, after which the customer’s package membership is terminated, unless otherwise provided for by the Bank’s internal decision.

5. 5

   A credit card is required to use the PLUS package.

6. 6

   Supplementary or additional cards issued under the package are subject to the same tariffs as the primary card. Immediate family members include the customer’s spouse, father, mother, son, and daughter.

7. 7

   Interest is calculated on the average monthly balance maintained on the customer’s AMD-denominated debit card account.

8. 8

   The preferential annual nominal interest rate offered under the package does not apply to loans granted to the customer prior to package activation. Upon termination of package membership, the standard interest rate applies instead of the preferential rate. If the customer subsequently rejoins the package, the preferential interest rate on the loan is not reinstated.

9. 9

   The customer has access to dedicated service through the Bank’s Contact Center for services provided under this package.