Telcell Wallet vs Vinculum Calc

Telcell Wallet - an app, a wallet and convenient solutions for purchases. But that’s not all… FAST, SIMPLE, SECURE You’ll get an application that will allow you to easily make and receive transfers, get quick access to card and banking services and make secure online payments any time. YOU’RE JUST 2 STEPS AWAY Download Telcell Wallet Identify yourself Discover the world of convenient solutions… PAYMENT FOR SERVICES - Mobile connection - Bank transfers - Utility payments - Public services - Internet and TV - Credit - Betting - Taxi - Games - Insurance - Many more PURCHASES Pay for products and services with a QR code at 2000+ sales points of our partners MONEY TRANSFERS AND TRANSACTIONS - To Telcell Wallet of friends, partners and relatives, wherever they are - To any Armenian bank card - To any bank account - To foreign e-wallets TELCELL WALLET REPLENISHMENT - From attached cards - Via banking cards - Via money transfers - From bookmaker account - Request from another Telcell Wallet - Via loan - Through 4500+ Telcell terminals across the country IN ADDITION, YOU CAN Create Visa Digital virtual card Buy transport tickets Buy tickets for concerts and events from your wallet Attach a bank card to your wallet and make card payments Use a financial analysis tool that helps you keep track of your expenses and manage your budget Attach car data and receive fine notifications Request and receive loans Receive instant notifications of all transactions, transfers and invoices Receive a monthly statement to your email Create favorite and group payments, thereby simplifying the use of your most loved and necessary services BON by Telcell LOYALTY PROGRAM We love our users and that’s why our team has developed a loyalty program. By making a payment through Telcell Wallet, you get bonus points. They can be exchanged for different products and services in BON, right in your wallet. We are waiting for you! Download the app and discover new possibilities… If you already use Telcell Wallet and have something to share, leave feedback here or send it to the e-mail address support@telcell.am. Your suggestions will help us make the app even better!

Vinculum Calc — Loans, Bonds, and Options, Done Right Vinculum Calc pairs an everyday basic calculator with a genuinely deep financial toolkit — built for anyone who needs more than a generic "loan calculator" app. Loan Calculator — Built for Real-World Financing Solve for any of Loan Amount, Payment, Interest Rate, or Amortization Period — Vinculum Calc rearranges the math for you. • Balloon loans: set a Loan Term shorter than the Amortization Period • Interest-only grace periods, upfront fees (flat or % of loan), and recurring extra principal payments • Monthly, quarterly, semiannual, or annual payment frequency • Full period-by-period amortization schedule with Total Interest, Balloon Amount, Net Proceeds, and Effective Financing Cost (true IRR-based rate) • Copy or export the entire schedule to CSV • Sensitivity grid across rate and term showing Payment, Debt Service, Balloon, and Total Interest Bond Calculator — Institutional-Grade Bond Analytics • Solve Price from Yield-to-Maturity, or YTM from Market Price • Any repayment structure — bullet, equal-principal (sinking fund), or a fully custom schedule you can describe in plain language • Periodic or actual-date schedules, with 5 day-count conventions (Act/365, Act/360, Act/Act ISDA, 30/360, 30E/360) • Clean price, dirty price, and accrued interest, always shown together • Full risk analytics: Macaulay Duration, Modified Duration, Convexity, Dollar Duration (DV01), Weighted Average Life • Yield-shift scenario table (±25/50/100bp) comparing exact repricing to a Duration + Convexity estimate • Complete cash flow schedule with copy and CSV export • 2-D sensitivity grid across Yield and Coupon Rate • One-tap PDF report — bond summary, full cash flow schedule, and sensitivity table, ready to share Also Included • A clean, fast basic calculator for everyday math • Black-Scholes European option pricing: Call/Put values, all five Greeks with plain-language explanations, an Implied Volatility solver, and sensitivity tables • Calculation history with one-tap Copy and Share • Full VoiceOver and Dynamic Type support • One app across iPhone, iPad, and Mac Whether you're structuring a balloon loan, pricing a bond to the basis point, or checking an option's Greeks, Vinculum Calc gives you real financial-calculator depth without the clutter.