An investment opportunity from Amio bank with a 9.5% yield

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TERMS OF THE PROMOTION WITH AMIO x VIVA CO-BRANDED CARDS

Amio bank Places the Full Volume of Its Bonds for the Second Time in a Record-Short Period

After the record-breaking placement of the previous issue, Amio bank issues new bonds worth 2 billion drams

Amio bank Has Placed Six Billion AMD Bonds at Record Speed

The Bank is supervised by the Central Bank of Armenia.

1.1. Promotion – a set of activities carried out by the Bank for cardholders of the Amio-Viva Digital co-branded Mastercard issued by the Bank (hereinafter, the “Card”), under the terms set out below. Within the Promotion, participants are provided with a Package offered by the Partner at no additional charge for 30 days from activation (for prepaid participants) or for one calendar month (for postpaid participants), with the possibility of retaining free service thereafter if the established requirements are met.1.2. Promotion Period – the Promotion shall be valid from 10.09.2026 through 31.03.2027, irrespective of the month in which the cardholder joins the Promotion.1.3. Completed Transaction – a transaction made with the Card and approved by the Bank.1.4. POS Payment – domestic and international transactions made with the Card at a physical POS terminal.1.5. VPOS Payment – transactions made with the Card at domestic and international online merchants.1.6. Package – a tariff plan offered by the Partner, active for 30 days or one calendar month from activation, depending on the type of tariff plan. The types of tariff plans are specified in Clause 2.1. The Partner shall notify the Bank of any change (increase/decrease) in the prices of the tariff plans specified in Clause 2.1, after which payments shall be made in accordance with the updated tariff table.1.7. Promotion Participant – an individual subscriber of the Partner who is a resident citizen of the Republic of Armenia, uses one of the tariff plans listed in Clause 2.1, and during the Promotion period has opened a digital Card by being redirected from the “My Viva” mobile application to the Bank’s web platform. At the end of the Promotion, the participant must have an active Amio-Viva Digital co-branded Mastercard.1.8. Partner – “Viva Armenia” CJSC.2. OTHER TERMS OF THE PROMOTION2.1. A subscriber of the Partner may become a Promotion Participant if, during the Promotion, they subscribe to one of the following Packages: 2.2. Each Promotion Participant may benefit from the Promotion no more than once within a 30-day period.2.3. A Promotion Participant may change their Package within the framework of the Promotion and continue to benefit from the Promotion if the new Package is one of the Packages listed in Clause 2.1.2.4. After the expiry of the 30-day/one-month period, the Package provided to the Promotion Participant may be automatically renewed free of charge during the Promotion Period if, during the 30 days preceding the Package renewal date, the Promotion Participant has made at least 20 monthly cashless POS and VPOS payments with the Card, with a minimum amount of AMD 1,000 per transaction, or if the total amount of cashless POS and VPOS transactions made during the preceding 30 days is at least AMD 50,000.The following transactions are excluded:·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cash withdrawals from ATMs and POS terminals;·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Top-ups of electronic wallets;·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Betting/gambling transactions;·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cashless transfers, account-to-account transfers, utility payments, and transactions for payment of financial services (including loan repayments, deposit top-ups, etc.);·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Card-to-card transfers.2.5. If, as of the day preceding the Package renewal date, the conditions for free service are not met, the Package provided to the Promotion Participant becomes chargeable for that 30-day/one-month period. If the conditions are met as of the day preceding the next renewal date, the Package shall again be renewed free of charge. This mechanism shall apply until the end of the Promotion Period.2.6. Transactions are checked during the day preceding the Package renewal date by reviewing transactions from the preceding 30 days. The calculation of the number of transactions is based on transactions made and cleared/accounted for during the Promotion Period.2.7. The Promotion terms shall not apply if:2.7.1. Transactions made with the Card have been cancelled;2.7.2. The number of Card transactions of at least AMD 1,000 is fewer than 20, or the total amount of transactions made with the Card is less than AMD 50,000;2.7.3. After opening the Card, during the Promotion the participant ceases to be a subscriber of the Partner and to use the Partner’s services;2.7.4. After joining the Promotion, the subscriber changes their Package to another Package not specified in Clause 2.1;2.7.5. During the Promotion, the Promotion Participant closes the active accounts and Card and reopens them during the Promotion Period;2.7.6. The subscriber is an employee of “AMIO Bank” CJSC;2.7.7. Implementation of the Promotion may be postponed for an indefinite period if this is the result of force majeure (extraordinary and unavoidable circumstances) which the Parties could neither foresee nor prevent. Such circumstances include earthquakes, floods, war, declaration of martial law or a state of emergency, political unrest, strikes, interruption or failure of communication systems, acts of state authorities, etc. The Bank shall notify customers within a reasonable period via the Bank’s official website of any postponement of the Promotion due to force majeure (extraordinary and unavoidable circumstances).2.7.8. The actions/inaction of the Promotion Participant have resulted in a violation/non-compliance with the internal rules of the Bank and/or the Partner or the requirements of applicable legislation.2.8. The Bank may revise the Promotion terms at any time after the launch of the Promotion at its discretion, and the Promotion may also be terminated at any time after launch at the Bank’s discretion by providing prior notice 3 business days in advance via the Bank’s official website. Participants who have already joined the Promotion shall continue to benefit from it until the end of the Promotion as specified in this document.&nbsp;

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The Bank is supervised by Central Bank of Armenia

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