1.

Service Package Maintenance

1.1.

Quarterly commission for Service Package Maintenance (hereinafter referred to as Commission)

1.1.1.

In case the total average daily balance is AMD 40 million (an equivalent amount) or more on banking accounts:

Free of charge

Average Daily Balance – the sum of daily positive balances of equity funds as of the morning of the Bank’s business day on bank accounts (deposit account(s), current account(s), card account(s) opened by the client in the Bank, divided by the number of calendar days of the relevant reporting quarter for which the calculation is made.

Average Daily Balance also includes funds sent by the client to purchase shares/bonds of the Bank, investment products.

If necessary, to determine the Average Daily Balance, the Bank converts the relevant currency in which the Average Daily Balance amounts are reflected into Armenian drams at the exchange rate of the Central Bank of the Republic of Armenia for the relevant currency set on the last business day of the reporting quarter.

Calculation of the Average Daily Balance is made on the last business day of the reporting quarter.

1.1.2.

For each calendar quarter of service, if the condition of paragraph 1.1.1 of the Tariffs is not met

80 000 AMD

This commission does not apply in the calendar quarter during which the package was purchased. The commission is charged starting from the following calendar quarter. If the contract with the client is terminated early, including in the quarter when this contract was concluded, then this commission is charged for an incomplete calendar quarter in full.

2.1.

Banking card maintenance

Card type: VISA Infinite debit card

2.2.

Card account currency

AMD

USD

EUR

RUR

The Bank issues:

• Single currency cards in one of the currencies based on the client’s choice (except AMD, RUR)

• Multicurrency cards for payment in three currencies (AMD, USD, EUR) or in four currencies (AMD, USD, EUR, RUR)

Rules for debiting cards while conducting transactions with multicurrency cards:

• if the transaction currency matches the currency of the card account and there is a balance on it, funds are debited from the client’s card account opened in the transaction currency.

• if there are no or insufficient funds in the card account, or if the transaction currency does not match the currency of the card accounts, the Bank writes off funds first from the account in AMD, then from the account in USD, then in EUR, and then in RUR.

2.3.

Commission for annual maintenance

From the main card:

Free of charge

Banking card is issued with a validity period of 3 years.

VISA Infinite category cards are issued as an additional card.

From the additional card:

Free of charge

2.4.

Commission for the issue of main/additional Banking card

200.000 AMD

2.4.1

Commission for URGENT issue of main/additional Banking card

500.000 AMD

If the client provides the necessary documents and applications, as well as pays the commission before 11:00 local time, the card is issued on the same working day.

2.5.

Commission for the reissue of main/additional Banking card

100.000 AMD

Commission is charged at the reissuance of the Banking card for any reason, except if it expires

2.6.

The volume of interest rates accrued by the Bank for using funds from the main card, in percent per annum:

Banking cards in AMD, USD, EUR

0,0%

When paying the accrued interest, the Bank charges income tax from non-residents in accordance with the RA legislation

2.7.

Limit on cash and non-cash withdrawal transactions on the card

20.000.000 AMD (equivalent of this amount) / 20 transactions

Daily limit

2.8.

Cash withdrawal/deposit

2.8.1.

Cash withdrawal

from ATM/cash point

AMD

USD, EUR, RUR

3%

4%

The commission is charged when the transaction amount is debited from the Account.

The order of debiting transaction amounts from the Account is determined by the order of receipt of transaction data from bank devices and transaction data from the payment system.

2.8.2.

Cash withdrawal

from ATM/cash point

of a 3 ^rd party bank

3%

If a transaction is made using an ATM/cash point of a 3 ^rd party bank, an additional fee may be charged, and a limit on the transaction amount set by the 3 ^rd party bank may apply.

2.9.

Crediting funds to the Card account

2.9.1.

Crediting funds to the Card Account received by non-cash means

2%

If after the crediting operation the total balance of funds on all Card and Current accounts of the client exceeds 20 million drams (the equivalent of this amount).

If the total balance of funds on all accounts of the client on the morning of the business day of crediting funds:

• is already more than 20 million AMD - the commission is charged on the entire credited amount,*

• is less than 20 million AMD - the commission is charged on the difference between the total balance on the account after crediting funds and 20 million drams,**

• the commission is charged on all transactions, including when crediting funds by transfer within the Bank,***

• the commission is not charged when the client makes transfers between his accounts within the Bank, replenishes the client's accounts with transfers from his relatives, from the accounts of the latter opened in the Bank,

2.9.2.

Crediting funds to the Card Account deposited in cash

the commission is set by the Bank individually

2.10.

Non-cash payments and transfers:

2.10.1.

Non-cash transfers from a Card Account, carried out through Bank application

According to the Section 4 of the Tariffs

All requirements set out in Section 4 of the Tariffs also apply to such transfers.

2.10.2.

Transfers from card to card:

- via ATMs and via mobile application – transfers in AMD

- via mobile application – transfers in USD/EUR:

• VISA multicurrency card

• MasterCard or VISA in US dollars

• MasterCard or VISA in euros

0,5%

2%, min 1200 AMD

2%, min 2,5 USD

2%, min 2,5 EUR

According to the limit of clause 2.7 of the Tariffs

The maximum amount of a one-time transfer is 2,500 USD/2,300 EUR

2.10.3.

Cashless payments for goods and services in the trade and service network

Free of charge

According to the limit of clause 2.7 of the Tariffs

2.11.

Conversion operations:

Conversion when paying for goods and services at trade (service) organizations

By the exchange rate of the Bank

At the Bank's rate for purchase/sale of non-cash foreign currency for transactions using bank cards.

During the day, the Bank's rate may change several times.

2.12.

Other services related to the maintenance of the Banking card, as well as Banking services provided to the Banking Cardhoders:

2.12.1.

Provision of information on the card’s balance at third party banks’ ATMs

Free of charge

Additional commissions set by the third party bank may be charged

2.12.2.

SMS banking on implemented operations

10.000 AMD

the tariff applies when sending messages to a non-local mobile operator number and is charged annually at the beginning of the current calendar year

2.12.3.

Email banking on implemented operations

Free of charge

2.12.4.

Preparation of reference letters and statements upon client’s request

30.000 AMD in case of sending the response outside the RA

In other cases, no commission is charged

List of issued Letter:

· Letter on the status of the Account

· Letter on the amount of turnover on the Account

· Letter on account opening/availability

• Letter on account closing

4.1.

Account opening for settlement services, for each account

200.000 AMD

Currency of the Account: AMD, USD, EUR, RUB, GBP, CNY, AED

4.1.1

URGENT account opening for settlement services

500.000 AMD

If the client provides the necessary documents and applications, and pays the commission before 11:00 local time, the accounts are opened on the same business day.

4.2

Commission for annual maintenance

Free of charge

4.3.

Money transfers

The Bank accepts and transmits payment orders submitted in paper or electronic form in accordance with the schedule below, with the actual availability of the corresponding amount of funds in the Client's Account, and the necessary supporting documents:

Acceptance

Transfer

Acceptance

Transfer

Before15:30

Internal transfers: on the same working day

Urgent external transfers: on the same working day

Standard external transfers: not later than the next working day

After 15:30

On the next working day

4.4.

Interbank transfers in any currency

Free of charge

4.5.

Money transfers in AMD USD/EUR to other banks’ clients in the Republic of Armenia

Free of charge

4.6.

Money transfers in foreign currencies to other banks’ clients

0,3%

min 15.000 AMD

max 150.000 AMD

Standard transfers

0,5%

min 30.000 AMD

max 300.000 AMD

Urgent transfers

4.7.

Amendments to the data or cancellation of the payment upon client’s request

In case of AMD:

AMD 50.000

In case of foreign currencies:

AMD 100.000

4.8.

Implementation of periodical orders in AMD submitted by the client

Free of charge

Regular orders must necessarily contain the exact date of the transaction, the currency, the amount, the name/the account number of the recipient

4.9.

Return of unexplained funds

AMD 100.000 and the additional expenses of the correspondent bank

4.10.

Investigation at the client’s request about the search of transferred funds, request for confirmation of depositing to the beneficiary’s account

AMD 100.000 and additional expenses of the correspondent bank

4.11.

Deposit of funds to the Account

4.11.1.

Deposit of non-cash funds to the Account

2%

If after the crediting operation the total balance of funds on all Card and Current accounts of the client exceeds 20 million AMD (the equivalent of this amount).

If the total balance of funds on all accounts of the client on the morning of the business day of crediting funds:

• is already more than 20 million AMD - the commission is charged on the entire credited amount,*

• is less than 20 million AMD - the commission is charged on the difference between the total balance on the account after crediting funds and 20 million drams,**

• the commission is charged on all transactions, including when crediting funds by transfer within the Bank,***

• the commission is not charged when the client makes transfers between his accounts within the Bank, replenishes the client's accounts with transfers from his relatives, from the accounts of the latter opened in the Bank.

4.11.2

Deposit of funds to the client’s Account:

• AMD
• other currencies

Commission is set on individual bases

4.12.

Provision of cash

Commission is set on individual bases

Cash is issued on the basis of a written application submitted by the client 3 working days prior to the day of receipt of cash. The Bank has the right to establish a requirement for the mandatory period of time that the client's funds must remain in the account before they are withdrawn in cash.

4.13.

Conversion transaction

At the Bank’s rate for the purchase/sale of the currency

As part of the Service Package, the client can also enter into foreign currency purchase/sale transactions using a special rate.

4.14.

Exchange of worn banknotes:

• AMD
• other currencies

Free of charge

5%, min 5.000 AMD

4.15.

Verification of authenticity and packing of the cash currency

0,5%, min 1.000 AMD

4.16.

Provision of checkbook

3.000 AMD

4.17.

Preparation and issuance of certificates, statement filled in the Bank’s form, informative materials

Provision of account statements or other documents saved in the electronic form.

30.000 AMD in case the document should be sent abroad
In other cases no

commission is

charged

The application should be submitted at least one Banking day prior to the issuance detailing the language of the document.

Provision of hard copies of documents

Provision of references

4.18

SMS information on transactions made with the Account

Free of charge

4.19.

Email information on transactions made with the Account

Free of charge

4.20.

Provision of power of attorney at the Bank:

Provision of notarized power of attorney

Free of charge

Provision of power of attorney made at the Bank’s office in the presence of the attorney-in-fact

Free of charge

4.21.

Account closing

Free of charge

The Bank has the right to unilaterally close the Client's Account if the Client has not ensured sufficient balance of funds in the Account necessary to make payments in accordance with the tariffs, the minimum balance and/or has not carried out transactions for more than three months.

4.22.

The volume of interest rates accrued by the Bank for the use of funds from the Account, in percent per annum:

Accounts in AMD, USD, EUR, RUB, GBP, CNY, AED

0,0%

When paying the accrued interest, the Bank withholds tax on the non-resident’s income in accordance with the RA legislation

5.1.

Initial registration of the client in “Internet-Bank” and “Mobile-Banking” systems

Free of charge

5.2.

Issuance and registration of a secret key in the “Internet-Bank” system

Free of charge

5.3.

Provision of a new or additional secret key in case of the loss or damage to the previous one:

Free of charge

6.1.

1-30 days

AMD 100.000

Safe deposit lockers (160x310x440 mm)

6.2.

31-180 days

AMD 200.000

6.3.

181-365 days

AMD 500.000

6.4.

1-30 days

AMD 200.000

Safe deposit lockers (230x310x440 mm)

6.5.

31-180 days

AMD 300.000

6.6.

181-365 days

AMD 600.000

7.1

Consultation with a personal manager on the Bank’s products

Free of charge

In the frameworks of Service Package, the client may receive additional services, benefits or offers in accordance with the agreement concluded between the Bank and the thirds parties that provide such services.

The client gets informed that such additional services, benefits or offers are provided to the client by the third parties, and the Bank doesn’t provide the client with any warranty or assurance regarding such services, benefits and/or offers, their quality, availability and continuous provision, the Bank is not responsible for the use of services, benefits and/or offers provided to the client by the third parties.

Information on services and conditions of their provision may be found on the official website of the bank: https://prive.unibank.am/

7.2.

Global client support service for cardholders

Free of charge

7.3.

International medical and information support to travelling cardholders

Free of charge

7.4.

Provision of purchase warranty for cardholders

Free of charge

7.5.

Full insurance for cardholders and for their companions during the trip

Free of charge

7.6.

VISA Infinite Concierge

Free of charge

7.7.

Organizing the provision of legal and tax support services

Free of charge

7.8.

A special package of privileges, giving access to various discounts and special offers all over the world

Free of charge

7.9.

Access to Lounge Key halls

Subject to making a cashless purchase of $400 or more or its equivalent in the previous 12 months

Otherwise - from the 7th and subsequent lounge visits during the card validity period

Free of charge

32 USD

The Client shall reimburse the Bank for all actual expenses in the amount and currency of the actual cost for each visit by him and his guests to the business lounges.

The Bank shall write off funds to reimburse the expenses incurred by it for the payment of services provided to the Client from the Client's card account/Account(s).

7.10.

Tax and legal support services

Commission is set on individual bases

The Bank informs the client about the scope of work for the service and its cost prior to the provision of the service.

7.11.

Consultation with the personal manager on partner Banks’ products, organization and assistance in their receipt by the client.

Commission is set on individual bases

The Bank informs the client about the scope of work for the service and its cost prior to the provision of the service.