◾ The rights of an account holder to manage their account and the funds therein may be restricted based on a request submitted by enforcement authorities or tax authorities responsible for the execution of judicial acts.

◾ The seizure of funds from an account without the account holder's instruction may be carried out based on a court decision, upon a request submitted by enforcement authorities responsible for the execution of judicial acts, and in accordance with the procedure for notifying the account holder.

◾You have the right to communicate with Ardshinbank CJSC in your preferred way: by mail or electronically. Receiving information electronically is the most convenient. It is available 24/7, is free from the risks of losing paper information, and ensures confidentiality.

◾ATTENTION: “Your Financial Directory” www.fininfo.am is an electronic system that facilitates the search, comparison of services offered to individuals and the selection of the most effective option for you.

The Bank accrues and pays the interest amounts calculated for the minimum balance of the reporting/given month at the end of the calendar month by capitalizing the account balance, unless otherwise stipulated by the contract signed between the Bank and the Client, and when paying, withholds and transfers to the state budget the taxes to be levied by legislation. If the balance is zero on any day of a calendar month, no interest is accrued or paid for that calendar month.