• Through the the bank's cards, the customer can perform the following operations: cash withdrawal, non-cash payments in trade and service outlets, card-to-card transfers
• PIN code shall be kept secret and it is not allowed to disclose or make it accessible to third parties. Do not keep PIN code in the wallet. Only the customer should know PIN code
• After memorizing PIN code written in the envelope we recommend you to destroy the envelope
• While making a transaction and entering the wrong PIN code for three (3) times successively, the card will be blocked, it may be confiscated as well and the customer won’t be able to use the account until the latter applies to the Bank in written to unlock the card
• While entering PIN code in the presence of third parties or cameras the customer should be careful not to disclose the PIN code to third parties. In the evening hours it is preferable to use ATMs located in well-lighted and public places to avoid card theft and fraud. The customer should not provide third parties with PIN code or let them make transactions instead of him/her
• Do not enter the PIN code while making online purchases. It is necessary to keep all the documents and receipts connected with the internet transaction. To be sure that the sending of information about the card is encrypted, check whether he address of the website (URL) of the particular outlet starts with https:// index. At the same time, at the ridge of the browser should appear the image in visage of closed lock
• ArCa 3-D Secure, MasterCard® SecureCode and Verified by Visa® (VbV) systems are available in Internet outlets to enhance the security of card transactions. These systems offer the modern level of security for the transactions made with ArCa, MasterCard and Visa cards, based on sending SMS messages to cardholder with a code for a single use. Every time cardholder make a transaction in trade outlets, using the aforementioned systems, he/she will receive SMS message with a code for one use only, which should be immediately entered in the appropriate place, otherwise the transactions will be declined. Moreover,  cardholder must not provide third parties with the code and in case of the absence of mobile phone number or its change, cardholder should apply to the bank personally. In exceptional cases, upon the bank’s consent, cardholder can notify the Bank by other means of communication based on the written application
• While using ATM situated in a closed area, the access of third parties should be banned. Card reader devices having access to ATMs and located in aforementioned areas, should not require cardholder's PIN code. In case of entering the PIN code by mistake, block the card and apply to the Bank

 The Bank is obliged to: 

• Secure Card service according to the rules adopted by the appropriate payment and settlement service for the given card
• Provide the cardholder with the account statements in the manner and cases set by Terms
• Block the card after the notification on the card loss or theft by the Customer
• Keep banking secrecy regarding the cardholder in compliance with RA Legislation and the agreement

The Bank is eligible to:

• Reject card transactions, if the requested amount exceeds the payment limit
• Impose restrictions on the funds available on the account in the manner and cases prescribed by RA legislation based on court, compulsory enforcement and tax authorities’ decisions
• Charge fees set by Tariffs from the account without acceptance, set off the Customers all receivables owned, and other loan or monetary liabilities to the Bank

 The cardholder is obliged to:

• Pay all fees and penalties related to card and card account service set by Tariffs
• Immediately notify the Bank about the loss of the card or the PIN code being available to third parties to block the card
• Provide identity card at the request of the servicing employee
• Not to pass the card or attached cards or the PIN code to third parties
• Notify the Bank about the changes in identity card, phone number, place of work, residence and other information previously provided to the Bank within three calendar days
• Pay the special (preferential) tariffs (envisaged for the cards which are issued and maintained for the purposes to receive salary, scholarships or to execute other kind of payments through companies cooperating with the Bank) agreed between the Bank and a partner company, unless otherwise agreed between them. In the cases when the Bank stops the cooperation with a company or the customer stops receiving card payments through the cooperating company the preferential tariffs must be suspended and the customers should pay in compliance with Tariffs

The customer is eligible to:

• Get cash from ATMs and POS terminals, make non-cash payments or execute other transactions offered by the Bank within payment limits of the card accoun
• Get more than one card, additional cards after submitting an application to the Bank and paying all the fees defined by Tariffs
• Order and receive a new card/attached card instead of expired and damaged ones
• Transfer cash or non-cash money to the card account
• Receive account statements in the manner, cases and periodicity prescribed by Terms

Attention! YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL INSTITUTION IN THE WAY YOU PREFER, BY MAIL OR ELECTRONICALLY. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, ELIMINATES THE RISK OF LOSING PAPER INFORMATION AND PROVIDES PRIVACY. 

• Receive short message (SMS) for each transaction made by card in case of using the service
• Appeal transaction executed through card account within the terms and order set by Terms

• The Bank should be liable to the customer in the manner and extend prescribed by RA legislation for the disclosure of the Customers information constituting bank secrecy by the breach of RA Legislation
• The Bank shall not be liable for the damages caused to the customer as a result of illegal use of the card, if the monetary funds have been withdrawn from the customer’s account by the identified Customer or the latter’s representative or upon the use of the Customer’s Identification Data, as well as in other cases prescribed by RA Legislation
• The Bank shall not be liable for the damages caused to the customer as a result of illegal use of the card, if the funds have been withdrawn from the Customer’s account due to the latter’s intentional or negligent actions, or in the cases when the Customer’s identification data has been known and used by third parties as a result of deception or other kind of frauds
• The Bank shall not be liable for the transactions executed by third parties as a result of card loss or theft, except the cases when monetary funds have been withdrawn from the account as a result of the card not being blocked after the Customer’s notification on card loss or theft

• The Bank blocks the card upon the Customer’s notification about Card loss/theft or after revealing a transaction made by third parties.
• The Bank may block the card in case of non-fulfillment of obligations by the Customer, as well as restrictions imposed on the account in compliance of RA Legislation and the Terms.
• The Bank unblocks the card once all the grounds for blocking are being settled. The Bank unblocks the card within one banking day after the Customer applies to the bank for unblocking the card and makes all the payments defined by Tariffs for unblocking.
• The card may be blocked by the Bank when suspicious card transactions have been implemented and the Bank could not contact the cardholder. Should the card transactions be made at lower limits in accordance with the rules defined by PSO, and should the Bank not be able to get in touch with the customer, the employees are eligible to enter these cards to international STOP LIST and charge commissions from the card account of the customer at tariffs and rates set by the Bank.
• Should the customer fail to pay annual service fee or other fees for more than 3 months, the Bank will close(block ) the card, without informing the cardholder. Unblocking occurs only after the debts payment.
• The Bank can refuse to unblock the card, if the card has been blocked because of the restrictions, set within the terms of the law, or the fee for unblocking has not been paid, or when unblocking of the card can cause financial losses, which can't be paid by the means available on the card.
• In case of card loss or theft, the customer shall immediately inform the Bank thereof through phone call  (+37410530761, +37410510929 or  +37496012816), based on which the Bank  blocks the account to ensure the safety of funds available on the account. The unblocking of the card is carried out upon the customer application.

• The Customer may appeal transactions or a specific transaction executed through the card by submitting an application or a complaint (hereinafter ‘’Complaint”) to the Bank in a defined manner.
• While accepting the Customer’s complaint a confirmation, a receipt or a copy of the complaint shall be provided to the Customer signed with the Bank’s employee accepting the complaint.
• The application-complaint is being discussed by the Bank and the answer is provided within 10 working days after the receipt of the complaint.
• If the customer submits an application-complaint within 15 days after being informed about the transaction to be appealed, the Bank may satisfy the Customer’s claim within 90 days after the receipt of the application-complaint if there are evidences that the transaction has been made without the identification of the Customer or the use of Customer’s Identification Data, the Customer is not at fault for the transaction, as well as the transaction has not been executed as a result of disclosure of the card, card data or Customer Identification data to third parties  due to the Customer’s deliberate or negligent actions, or as a result of other such kind of frauds.

• In case of card theft it is recommended to inform law enforcement bodies as well and submit the evidence of to the bank which will serve as a base to provide law enforcement bodies with the information on attempts of illegal use of the card upon the latters’ request.
• In case of card seizure, the customer shall apply to the Bank to get it back. The Bank provides the Customer with the card within 10 working days.
• In case of card loss or theft the customer must immediately inform ArCa processing center by phone call (59-22-22) or the Bank to block the card. Afterwards, the customer shall apply to the Bank to receive a new card.
• The customer should be careful and not forget to take the money and the card from an ATM. In case of not taking the card, a signal may sound and a few seconds later the card will be swallowed by the ATM.

• The Bank reissues the card without the cardholder's additional application within 15 days before the expiry of the card unless:.
• The Bank employees could not contact the cardholder.
• The cardholder has rejected the Bank's offer to reissue the card.
• The cardholder applied to the Bank beforehand (at least 30 days before the expiry of the card ) to close the bank account.
• No transactions has been made for 365 days preceding the end of the validity period of the card and the account balance is less than AMD 50,000 or its equivalent in foreign currency.
• The cardholder has outstanding card debts towards the Bank.

• While getting the Card, the cardholder must sign in the field of signature on the opposite side of the card. In case of absence of a signature, or its discrepancy the card service will be declined. It may cause additional expenses as well as possibility of fraud transactions. The card should be kept in a safe place, away from other people, humidity, high and low temperature and strong magnetic field. Mechanical damages or excessive bending should be avoided.
• The card must be kept inaccessible to third parties, not left to third parties for payment or handed over to third parties.
• In case of noticing additional devices, wires, adhesive tapes and other suspicious means attached to the ATM, its keyboard or card reading devices, the Customer should refuse to execute transactions immediately notifying the Bank thereof. It is recommended to make card purchases only from well-known and reliable trade outlets. The Customer should not send his/her card details (card number, expiry date, etc.) by e-mail to third parties. In trade outlets the Customer should show and give the card only to the cashier. While executing transaction the customer should keep the card within his/her eyeshot and should not allow the cashier take the card away from the service center.
• While making transactions via POS terminals in trade and service outlets the customer should be provided with two receipts, and by the cashier's request one of these receipts must be signed by the latter. In some outlets transactions are made via manual printers and the necessary information is written down by a cashier. In this case the document should be made in 3 copies. Before signing the document, the customer must be sure that the amount of money from the purchase, received service or the value of cash coincides with the amount indicated on the receipt. One should never sign the document, if the amount of money is not pointed on it. Cardholder must get his/her copy of the receipt and keep it.
• Be aware of a message received by E-mail address, which contains attached files or unknown website addresses. It can endanger the revelation of important and secret information by the help of computer virus or other infected software.
• Install the latest versions of anti-virus and anti-hacking programs in your computer and update their databases on time. It is also necessary to update other programs of your computer periodically.
• Never answer to the questions through e-mail which contain information on cardholder personal details. If you are required to inform your bank code (don't confuse it with PIN code), passport number or other similar information by phone or by other means of communication, don't inform anything, unless you are sure in legality of the request.
• Be aware of false website addresses bearing close resemblance to the website or the e-mail address of a corporate entity, which will likely mislead you.
• Do not close the browser window only. To exit the website follow the appropriate instructions, otherwise someone else may have access to that site.
• Avoid making financial transactions in joint outlets, which offer services by internet (Internet-cafe, etc.).They may have special software which can register cardholder's actions and reveal all the details typed through the keyboard of the computer.
• If the transaction is terminated by cardholder or some error occurs during termination, the cardholder must require to immediately destroy the cashier's copy of document in his/her presence. Cardholder's copy must be kept, which will allow to dispute the particular transaction in short term, in case of deceit by cashier, and freeze cardholder's money related to the terminated transaction
• If you return purchase, paid by card, require and keep the appropriate document from the outlet. The document must contain all the details on terminated transaction (card number, initial date of transaction, verification code, returned cash).

• In case of card termination, the card must be returned to the Bank within 5 business days. Should the cardholder fail to return the card after the submission of  the application on the account closure, the latter will suffer the risk of false transactions made by the card and must compensate the card in international Stop List by fees and tariffs set by the Bank.
• The account is closed at any time by the customer's request.
• The account may be closed by the Bank in the following cases:

- when the amount of funds held in a customer's account is less than the minimum amount specified in the Tariffs for that account, unless such amount has been recovered within one month of the date of the bank's notice

- in case of absence of operations with the given card  within a year,

-In case of closing the account, the balance of the the funds available on the account shall be given to the customer or transferred to another account upon his/her instruction, not later than within seven days after receiving the relevant written request from the client.