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Terms of purchase by installment

* In case of purchasing a smartphone and/or other mobile device at a price of AMD 30,000 or more, purchase by installment for individuals is carried out through the Sprint system of “Inecobank”.

Read the terms of sales below:

Bank	“Inecobank”
Age of the borrower	21 till 70-year-old
Annual nominal interest rate	19 - 21.7 % The inquiry is made for a 36-month period
Actual interest rate	20.7 - 23.94 %
Down payment	0 AMD
Period (months)	12, 24 or 36 months
Maximum amount	5 500 000 AMD
Minimum amount	30 000 AMD
Required documents	Passport, social card /or its number/ or ID card
Actual registration	Yes
Registration in Artsakh	Per standard installment processing procedure, without additional documents The registration address line provides the option Republic of Artsakh
Number of smartphones sold by a single credit contract	Maximum 2 /two/ devices of the same model
Internet page of the Sprint system	www.sprintonline.am
Web-site of the bank	www.inecobank.am
Bank phone number	+374 10 51 05 10
Note	“Inecobank” is controlled by the Central Bank of Armenia

Option 2

Starting from 6 February 2026 to 20 February 2026 (inclusive), one can purchase the specified “iPhone” models at Viva under special installment terms provided by “Inecobank”:

0% interest rate

0% service fee

0% down payment for the first 18 months

In addition, a special installment price will apply for smartphones provided on installment through “Inecobank”.

Model	Price (in case of a lump sum payment) AMD	Price (average price) AMD	Price (by installment) AMD (from 06.02.2026 till 20.02.2026) only through “Inecobank”
“iPhone 17” 256 GB	446 900	446 900	433 493
“iPhone 17 Pro” 256 GB	612 900	612 900	594 513
“iPhone 17 Pro Max” 256 GB	669 900	669 900	649 803

Including VAT

Starting from the 19^th month, the annual interest rate will be 18%; service fee – 0.8%. Actual interest rate – 17.2%. Maturity period – 48 months.

The loan is provided by “Inecobank”. The bank is supervised by the Central Bank of Armenia.

The prices of smartphones, devices, and accessories offered at Viva may be subject to change upon the initiative of manufacturer, or for other reasons. Please follow the prices of the devices offered at our Company at https://shop.viva.am/en/

* In case of purchasing a device at a price of AMD 50 000 or more, purchase by installment for individuals is carried out through the online loan of “Evocabank”.

Read the terms of sales below:

Bank	“Evocabank”
Age of the borrower	19-65 year-old
Annual interest rate	20 %
Period (months)	24-48 months
Maximum amount	2 000 000 AMD
Minimum amount	50 000 AMD
Required documents	Identity document (passport/identification card), public service number (social card), registration address (passport code 070 must have a registration address in the Republic of Armenia)
Actual interest rate	up to 22.98%
Link of the web page on loans	https://www.evoca.am/en/loans/online-loans/online-and-point-of-sale-loans
Web-site of the bank	https://www.evoca.am/en/
Bank phone number	+374 10 60 55 55
Note	“Evocabank” is controlled by the Central Bank of Armenia

Read the terms of sales below: AmeriaBank/MyPay

Purpose	Loan Purpose	Purchases carried out within the limits established under the MyPay service.
Customer Personal Data	Customer Age	18-60
Customer Personal Data	Customer	Citizens and residents of the Republic of Armenia who have an account with “Ameriabank” CJSC and are users of the MyAmeria system
Loan Conditions	Currency	AMD
	Maximum Loan Amount	MyPay available limit
	Maximum Amount of All Loans	MyPay Limit: 29,900 - 2,000,000 AMD
	Minimum Loan Amount	29,900 AMD
	Term (Month)	Minimum: 1 month Maximum: 6 months
	Annual Nominal Interest Rate	Fixed
	Annual Nominal Interest Rate	1 month - 0% 3 months - 8% 6 months - 13%
	Effective Annual Interest Rate	0-21.81%
	One-time Provision Fee / Advance Payment	Not available
Loan Repayment Methods
Required Documents	Documents	n/a
Fines and penalties	Penalties on overdue principal and interest amounts	In case of violation of the repayment terms stipulated in the Contract, the Customer shall pay the Bank a penalty for each day of delay, in the amount of 0.13% of the overdue Debt and/or overdue Interest amount.
Early Loan Repayment Fee	Early Loan Repayment Fee	No penalties or fines are charged in case of early loan repayment.
Delivery Method	Delivery Method	Non-cash. The loan amount is transferred to the Bank’s transit account opened in the Customer’s name.
The main terms of the MyPay service are defined in the “Main Terms of Provision of the MyPay Service” (11RBD RL 72-44-01). Link: https://ameriabank.am/useful-links Ameriabank CJSC is regulated by the Central Bank of the Republic of Armenia.

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Terms of purchase by installment