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| Interest rates |

The rates above are benchmark interest rates subject to adjustments for each transaction taking into account its purpose and structure, Customer profile and financial history.
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Form of financing |
Micro financing |
Small financing |
Medium-scale financing |
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Fast |
To agriculture |
Other |
To agriculture |
Other areas financing |
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Utilized limited |
USD |
19% |
17% |
19% |
15% |
15% |
14% |
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AMD |
20% |
19% |
20% |
17% |
17% |
17% |
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| EUR |
- |
- |
- |
- |
- |
14% |
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Disused limit |
u/e |
u/e |
u/e |
3% |
3% |
3% |
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Program loans for agriculture |
USD |
- |
12% |
- |
12% |
- |
- |
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*The given interest rates are applied also for program loans/except agricultural program loans/.
The interest rates for large financing are determined in the result of the analysis of the customer based on results of risks criteria estimation.
The bank does not implement one-way change of exchange rate.