Transaction Type ArCa Debit Cirrus/Maestro ArCa Pension. AMD 2,000 annually

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1 Debit Cards Transaction Type ArCa Debit Cirrus/Maestro ArCa Pension Card account currency, USD, EUR, RUB Card effective period 2 years 5 years 10 years Card issuance Card account fee 1 2,000 annually 2,000 annually Option of having attached cards and annual fees 2 Maestro, ArCa Classic, MC Standard cards: in amount of 60% of Maestro, ArCa Classic, MC Standard cards: in amount of 60% of card account Fee for urgent order of the Card 3 3,000 3,000 3,000 Reissue of the lost or damaged card or provision of a new PIN code 1000 MD 2500 The first one is free of, the next one is 900 (in the event of the lost or reissued card) 700 (in the event of the new PIN code reissue) Minimum balance is not defined is not defined is not defined Annual interest calculated on the account positive balance 4 0% 0% 0% Cash withdrawal at ATMs and via POS terminals of Inecobank 0% 0% USD, EUR 0.4% RUB 0.25% 0% Cash withdrawal from ATMs and POS terminals of ArCa system member banks Cash withdrawal at encashment points of banks which are not members of ArCa system and outside the territory of the RA Attempt of impermissible transactions outside Armenia at ATMs of banks which are not members of local payment system (for instance, encashment attempt in the event of insufficient amount of funds) Execution of noncash transactions 1% 1% 0.5% however not less than 1,500 Up to 150 Transfer fee between cards via internet 0.5% 0.5% 0.5%

2 Loan repayment fee via internet ( Daily maximum limit of encashment transactions 300,000 1,000,000 ; 3,000 USD, EUR; 60,000 RUB Daily maximum number of encashment transactions Maximum limit of one noncash transaction 1,000,000 5,000,000 ; 10,000 USD, EUR; 300,000 RUB 300,000 1,000,000 Maximum number and limit of daily noncash transactions Unlimited Unlimited Unlimited Onetime change of encashment limits based on the application by the Customer (the changed limit is effective until 24:00 of that particular day) Change of encashment limits based on the application by the Customer for the whole effective period of the agreement Daily interest rate of the penalty in case of sur of the defined payment limit Provision of the statement Provision of each additional statement Switching on the SMS service 3,000 3,000 3,000 10,000 10,000 10, % 0.4% 0.4% the current the current the account account current account Sending an SMS on each performed transaction Card blocking Card unblocking 1,500 2,000 Early closure of 1. In the event of annual payment of 2. In the event of ly payment of Since the moment of account opening during 180 days 2,000 During 181 and more days 1. In the event of annual payment of free of 2. In the event of ly payment of service Since the moment of account opening during 180 days 3,000 During 181 and more days, return of pension card seized by the ATMs of other banks 200 Urgent activation of the sum credited to the card 24,000 24,000 24,000 Statement Date The 1 st of each The 1 st of each The 1 st of each

3 Credit Cards Transaction Type ArCa Classic ArCa Gold Card account currency, USD MasterCard Standard, USD, EUR, RUB MasterCard Gold ArCa Gold Lombard MasterCard Business, USD, EUR, RUB USD, USD, EUR, RUB Card effective period 2 years 2 years 5 years 5 years 2 years 5 years Card issuance Card account fee 1 2,500 10,000 Option of having attached cards and annual fees 2 Fee for urgent order of the Card 3 Reissue of the lost or damaged card or provision of a new PIN code Minimum balance Annual interest calculated on the account positive balance 4 Cash withdrawal at ATMs and via POS terminals of Inecobank Cash withdrawal from ATMs and POS terminals of ArCa system member banks Cash withdrawal at encashment points of banks which are not members of ArCa system and outside the territory of the RA Maestro, ArCa Classic, MC Standard cards in amount of 60% of the Maestro ArCa Classic, ArCa Gold, MC Standard, MC Gold cards in amount of 60% of the card account 5,000 Maestro, ArCa Classic, MC Standard cards in amount of 60% of the 25,000 Maestro, ArCa Classic, Arca Gold, MC Standard, MC Gold cards in amount of 60% of the 3,000 15,000 MasterCard Business card the is 5,000 3,000 3,000 3,000 3,000 3,000 3,000 2,000 4,000 4,000 5,000 2,000 5,000 Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited 3% for accounts in and 0% for other currencies 3% 3% for accounts in and 0% for other currencies 3% for accounts in and 0% for other currencies 0% 2% for accounts in and 0% for other currencies 0,5% 0,5% 0,5% 0,5% 0.5% 0,5% 1% 1% 1% 1% 1% 1% however not less than 1,500 however not less than 1,500 however not less than 1,500

4 Transaction Type ArCa Classic ArCa Gold Attempt of impermissible transactions outside Armenia at ATMs of banks which are not members of local payment system (for instance, encashment attempt in the event of insufficient amount of funds) Execution of noncash transactions Transfer fee between cards via internet Loan repayment fee via internet ( Daily maximum limit of encashment transactions Daily maximum number of encashment transactions Maximum limit of one noncash transaction MasterCard Standard MasterCard Gold ArCa Gold Lombard MasterCard Business Up to 150 Up to 150 Up to % 0.5% 0.5% 0.5% 0.5% 0.5% ,000 ; 1,200 USD ,000 1,250,000 ; 4,000 USD, EUR; 75,000 RUB 2,000,000 ; 7,000 USD, EUR; 180,000 RUB 1200 USD 4,000,000 ; 10,000 USD, EUR; 300,000 RUB ,000,000 ; 2,500 USD 2,000,000 7,500,000 ; 15,000 USD, EUR; 450,000 RUB 10,000,000 ; 20,000 USD, EUR; 600,000 RUB 2, ,000 ; 25,000 USD, EUR; 750,000 RUB Maximum number and limit of Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited daily noncash transactions Onetime change of encashment limits based on the application by the Customer (the changed ,000 3,000 limit is effective until 24:00 of that particular day) Change of encashment limits based on the application by the Customer for the whole 10,000 10,000 10,000 10,000 10,000 10,000 effective period of the agreement Daily interest rate of the penalty in case of sur of the 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% defined payment limit Provision of the statement Provision of each additional statement the current account

5 Transaction Type ArCa Classic ArCa Gold MasterCard Standard MasterCard Gold ArCa Gold Lombard MasterCard Business Switching on the SMS service Sending an SMS on each performed transaction Card blocking Card unblocking 1,500 1,500 2,000 2,000 1,500 2,000 Early closure of the card account Urgent activation of the sum credited to the card Statement Date 1. In the event of annual payment of card account 2. In the event of ly payment of Since the moment of account opening during 180 days 2,500 During 181 and more days free of 1. In the event of annual payment of free of 2. In the event of ly payment of service Since the moment of account opening during 180 days 10,000 During 181 and more days free of 1. In the event of annual payment of free of 2. In the event of ly payment of Since the moment of account opening uring 180 days 5,000 During 181 and more days 1. In the event of annual payment of free of 2. In the event of ly payment of Since the moment of account opening during 180 days 25,000 During 181 and more days free of 1. In the event of annual payment of card account free of 2. In the event of ly payment of card account Since the moment of account opening during 180 days 15,000 During 181 and more days 24,000 24,000 24,000 24,000 24,000 24,000 Partnership Cards Card account currency Card effective period Card issuance Card account fee 1 Transaction Type, USD 2 years 3,000

6 Option of having attached cards and annual fees Fee for urgent order of the Card 3 Reissue of the lost or damaged card or provision of a new PIN code Minimum balance 3,000 2,000 Unlimited Annual interest calculated on the account positive balance 4 0% Cash withdrawal at ATMs and via POS terminals of Inecobank Cash withdrawal from ATMs and POS terminals of ArCa system member banks Cash withdrawal at encashment points of banks which are not members of ArCa system and outside the territory of the RA Attempt of impermissible transactions outside Armenia at ATMs of banks which are not members of local payment system (for instance, encashment attempt in the event of insufficient amount of funds) Execution of noncash transactions Transfer fee between cards via internet Fee for performing payments via POS terminals of the Bank 2% Fee for performing utilities payments via ATMs of the Bank 2% Loan repayment fee via internet ( 200 Daily maximum limit of encashment transactions Daily maximum number of encashment transactions Maximum limit of one noncash transaction ; 4,000 USD Maximum number and limit of daily noncash transactions Unlimited Onetime change of encashment limits based on the application by the Customer (the changed limit is effective until 24:00 of that particular day) Change of encashment limits based on the application by the Customer for the whole effective period of the agreement Daily interest rate of the penalty in case of sur of the defined payment limit 0.4% Provision of the statement Provision of each additional statement Switching on the SMS service

7 Sending an SMS on each performed transaction Card blocking Card unblocking Early closure of Urgent activation of the sum credited to the card 20 1,500 Since the moment of account during 180 days 2,000 During 181 and more days 24,000 Statement Date Statement Date 1 In the event of annual payment method the fee of the first year is paid just upon opening the while for each following year it is paid before the 15 th of a following the of Card effective period completion or the 15 th of the same of the year following the of the Card issue. In the event of performing the planned payment in advance the is extended for one year period. In the event of ly payment method the fee of the first is paid just upon opening the while for each following day during 5 (five) business days since the day corresponding to the Agreement conclusion date. 2 Attachment of credit cards to debit cards and vice versa can be executed only in the event of receiving its salary on the accounts of Inecobank by the Customer and availability of the transactions limits in amount of the received salary. 3 The card is provided within one day and only at the Head Operational Division of the Bank while the card shipment period is added to the period mentioned in other branches of the Bank. 4 Annual interest yield as a result of frequency of application of annual simple interest rate and capitalization and payment of interests during 365day period against positive balance in amount of 1000 makes up 0% for Maestro, ArCa Pension cards, 3.04% for ArCa Gold card and ArCa Classic, MC Standard, MC Gold card in, 0% for ArCa Classic, MC Standard, MC Gold cards in foreign currency, 0% for APARIK+/AUTOCARD and ArCa Gold cards, 2.02% for MC Business cards in, 0% for MC Business cards in foreign currency. Annual interest yield can reduce as a result of application of tariffs defined by the Bank for the provision and of cards. The interests can be calculated against positive balance on a daily basis for the whole effective period of the card. Calculated interest amounts are credited to the card account on a ly basis on the first business day of the following each.

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