Annual interest rate and the general terms and conditions for “Safe” deposits without the right to replenish attracted for 1 097 days and more, and for “Safe” deposit with the right to replenish attracted for more than 451 days and /or, exceeding AMD 100 000 000 (one hundred million), USD 200 000 (two hundred thousand) or EUR 200 000 (two hundred thousand) and attracted for more than 366 days and/or exceeding 12 000 000 (twelve million) million RUB shall be agreed and set out additionally.
4. Periodicity of replenishment of the deposit amount during the due date of the deposit agreement is not limited, and the deposit amount due to such replenishment may not exceed AMD 100 000 000 (one hundred million), USD 200 000 (two hundred thousand), EUR 200 000 (two hundred thousand), RUB 12 000 000 (twelve million). Interest on such replenished principal is accrued according to the interest rate set out by the deposit agreement, except for cases where the deposit is replenished on or before the 90th days prior to the maturity, at which the interest shall be calculated at the rate determined for the demand deposits. Both the Depositor and any other willing person may replenish the deposit unless otherwise is stipulated by the deposit agreement.
5. The minimum amount of the deposit is AMD 100.000 (one hundred thousand), or USD 200 (two hundred), or EUR 200 (two hundred), or RUB 12.000 (twelve thousand); such condition is to be met in order to receive the interest in accordance with the scales specified in clauses 1 and 2 of this information bulletin.
6. The Depositor may make the deposit for the benefit of the third party, which acquires the right to manage the deposit from the time of conclusion of the first deal with the deposit, representing the first requirement to the Bank based on such right, or submitting written request for such deal, and the Depositor (investor) shall loose its right to the deposit.
6.1. In case where the deposit is executed for the benefit of the third party (adult capable person) without the knowledge of the latter, the depositor shall himself bear the responsibility for the presentation of all ID documents of such third party and all the legal consequences thereof.
7. The deposit account may be replenished by any third parties, provided however that some information on the deposit account is provided by such third parties, unless otherwise is provided by the agreement.
8. Interest accrued on the deposit is paid on monthly basis or at the maturity.
9. Bank account in Armenian drams is opened for deposits in any currency.
10. Upon the request of the depositor the interest amount accrued on the deposit in foreign currency may be paid in the currency of the deposit, in cases other than those stipulated by the CBA. Unless the client requested receipt of the interest amount in the given currency, such interest shall be paid in Armenian drams on the basis of going exchange rate applicable by the Bank.
11. In the event of prior withdrawal of the deposit amount accepted by the Bank or a part thereof the interest accrued from the date of accepting the deposit until the day preceding to the day of withdrawal shall be re-calculated at the rate of demand deposit set for such currency.
12. In the event of prior withdrawals if the amount of interests received by the Depositor exceeds the amount due to the Depositor (transferred to the bank account or set off against other liabilities), the difference shall be deducted from the returned principal deposit amount and in case the amount of received interests is less than the amount due to the Depositor, such difference shall be paid to the Depositor.

• In case of 3 months or longer period the interest on the "Simple" deposit may be paid on a monthly basis with 0.5% interest rate less than the corresponding column in the table.
• In case of 15 months or longer period the interest on the "Simple" deposit may be paid on a annual basis with 0.25% interest rate less than the corresponding column in the table.
• Interest amounts are not capitalized.

• The decision regarding every deposit or the interest rate or other conditions of the deposit of a client/group of clients which exceeds AMD 100,000,000 or/and equivalent currency is referred to the Assets and liabilities Committee of the Bank

• During the automated reformulation and term extension of "Standard" and "Accumulative" deposits the current terms and rates of "Simple" deposit are applied.

• In case of 3 months or longer period the interest on the "Flexible" deposit may be paid on a monthly basis with 0.5% interest rate less than the corresponding column in the table.
• In case of 15 months or longer period the interest on the "Flexible" deposit may be paid on a yearly basis with 0.25% interest rate less than the corresponding column in the table.
• Interest amounts are not capitalized
• When the deposit is placed for one year or more the interest rate through online and mobile banking systems for AMD is +0.25%, and for USD +0.15%.

• The decision regarding every deposit or the interest rate or other conditions of the deposit of a client/group of clients which exceeds AMD 100,000,000 or/and equivalent currency is referred to the Assets and Liabilities Committee of the Bank

• During the automated reformulation and term extension of "Standard" and "Accumulative" deposits the current terms and rates of "Simple" deposit are applied.

• Minimum duration of the accumulative deposit can last 6-24 months
• If desired, the depositor can receive a VISA Classic/MasterCard Standard card, if at the moment the funds available on the deposit account equal or don't exceed 7,5 MM AMD (corresponding foreign currency) or VISA Gold/MasterCard Gold card if at the moment the funds available on the deposit account equal or exceed 7,5 MM AMD (corresponding foreign currency)

• You have the opportunity to increase the Deposit amount during the Deposit effective period. *
• If you wish, you can get free VISA Classic card/MasterCard Standard without service payment of card account, if at the moment the balance of the deposit account is equal or does not exceed the sum of AMD 7.5 million (the currency equivalent to it), or get free VISA Gold card/MasterCard Gold, if at the moment the balance of the deposit account exceeds AMD 7.5 million (or the equivalent sum of money in other currency).
• If you wish, a credit line up to 95% of the deposit account funds can be attached to the received AMD, USD and Euro payment card, which you can use during the deposit agreement validity period,
• If you wish you can be provided with American Express Gold (link to Amex Gold page) or American Express Blue (link to Amex Blue page) card credit lines with deposit pledge in the privileged tariffs and conditions mentioned below

• You have the opportunity to increase the Deposit amount during the Deposit effective period. *
• If you wish, you can get free VISA Classic card/MasterCard Standard without service payment of card account, if at the moment the balance of the deposit account is equal or does not exceed the sum of AMD 7.5 million (the currency equivalent to it), or get free VISA Gold card/MasterCard Gold, if at the moment the balance of the deposit account exceeds AMD 7.5 million (or the equivalent sum of money in other currency).
• If you wish, a credit line up to 95% of the deposit account funds can be attached to the received AMD, USD and Euro payment card, which you can use during the deposit agreement validity period,
• If you wish you can be provided with American Express Gold (link to Amex Gold page) or American Express Blue (link to Amex Blue page) card credit lines with deposit pledge in the privileged tariffs and conditions mentioned below

2. Annual interest rate and the general terms and conditions for deposits exceeding AMD 50 (fifty) million, USD 100 (one hundred) thousand or EUR 100 (one hundred) thousand or RUB 8.5 million shall be agreed and set out additionally.
3. Minimum deposit amount is AMD 30.000 (thirty thousand) or equal USD, EUR or RUB, which is to be followed to receive interest specified in clause 1 of this guide.
4. During the term of the deposit agreement the depositor may replenish the amount of the deposit on which interest rate determined by the deposit agreement shall apply.
5. Interest accrued to the deposit amount is paid on monthly basis or at the maturity, as specified in the agreement.
6. Interest rate is applied towards daily balance on deposit unless otherwise specified in the agreement.
7. Both the depositor and any other third parties willing to replenish the amount of the deposit shall have the right to do so unless otherwise provided by the deposit agreement.
8. Interest due pursuant to this agreement shall be accumulated from the day following the date of acceptance of the Deposit and until the day preceding to the day of withdrawal of the deposit at the maturity or otherwise.
9. The Bank shall have the right to unilaterally change the interest rates for the demand deposits and funds available on the banking account by placing 15 (fifteen) days prior notice addressed to the depositor.
10. Acting as a tax agent to the Depositor, the Bank shall have the right to calculate and charge tax on income (10%) from the payment of interests.
11. The Parties shall settle any disputes hereunder by negotiations or in accordance with applicable RA legislation.
12. Extracts from deposit accounts are provided to the Depositor at least on monthly basis with thirty day periodicity unless other periodicity is stipulated by the agreement or the law.
13. Copies of extracts and payment documents, and other documents are provided to the Depositor against the fees established by "ID Bank" CJSC.
14. The Annual Percentage Yield (APY), calculated without tax on profit, in the terms of simple annual interest rate 1% - APY=1,0%.

where:

APY - Annual percentage yield,

A - is the initial deposit principal amount,

ո - is the consecutive number of the deposit related cash flow,

N - is the last of the deposit related cash flows (including cash flowsat the time the deposit was put), after which the deposit agreement expires,

Kո - flows of deposit principal and/or capitalized interest and mandatory fees, if any, at the deposit start date and/or during its term,

Dո - is the number of days elapsed from the time the deposit was made till each n-th deposit-related cash flow inclusively. When cash flows occur on the deposit start date, D1=0.