8 B Credit Cards 9 VI. E-BANKING 10 VII. PURCHASE AND SALE OF FOREIGN CURRENCY 11

Transcription

1 TARIFF for the fees and commissions applied by Eurobank Bulgaria AD on services offered to customers legal entities, sole proprietors, companies as per the Obligations and Liabilities Act, budget funded enterprises and foreign commercial representative offices effective from 23 July

2 CONTENT I. ACCOUNTS 3 II. PRODUCT PACKAGES 4 III. CASH OPERATIONS 6 IV. TRANSFERS / PAYMENTS 7 A Incoming transfers 7 B Outgoing transfers 7 C Cheques 7 V. BANK CARDS 8 A Debit cards 8 B Credit Cards 9 VI. EBANKING 10 VII. PURCHASE AND SALE OF 11 A Purchase and sale of foreign currency in exchange for 11 B Exchange of one foreign currency for another foreign currency * 11 VIII. SECURITIES 12 A Government Securities, registered in Bulgaria 12 B Government Securities, registered abroad (Foreign Government Securities) 12 C Corporate Securities* registered in Bulgaria 12 D Compensatory instruments 13 E Portions of collective investment schemes 13 F Corporate Securities* registered abroad 14 IX. MUTUAL FUNDS 15 X. DOCUMENTARY/CLEAN COLLECTIONS 16 XI. LETTERS OF CREDIT 16 A Documentary Letter of Credit, opened by foreign or local banks (Export Letters of Credit) 16 B Documentary Letter of Credit, opened by the Bank against foreign or local banks (Import Letters of Credit) 16 XII. LOANS 17 A Guarantees for corporate customers 17 B Guarantees for small enterprises (SBB) 17 C Appraisal as per type of collateral 18 D Loans to corporate customers 18 E Loans for small enterprises (SBB) 19 XIII. OTHER FEES 23 XIV. FEES AND COMMISSIONS FOR BANKS 24 A Current (LORO) Accounts 24 B Securities 24 C Other Services 24 XV. GENERAL PROVISIONS 25 2

3 I. ACCOUNTS A Current Accounts 1 Opening: Standard current accouint 10 EUR/USD 10 Escrow account 0.10% min 100 max % min EUR 50 max EUR Farmers current account Premium IBAN account 35 EUR 35 2 Maintenance fee (monthly): Standard current accouint 7 EUR/USD 6 Investment intermediary DVP account maintenance 40 Premium IBAN account 10 EUR 10 3 Preferential interest fee (monthly, in addition to p.4) 30 EUR/USD 15 4 Fee for transformation of current account* 10 EUR 5 * The first transformations is 5 Receiving of SMS notification on cash transactions and transfers (VAT taxable) Change of receiving of SMS notification on cash transactions and transfers Deregistration of receiving of SMS notification on cash transactions and transfers Monthly fee for paper statement on account 6 EUR/USD 3 9 Additional paper statement fee * 2 EUR/USD 1 * The fee is charged per copy of the paper statement 10 Monthly fee for account statement in MT 940 format (per account) 30 EUR 15 USD Identification IBANs: Registration fee up to EUR/USD 250 up to EUR/USD 300 above EUR/USD 350 Monthly maintenance fee for the service Adding identification IBANs 200 EUR/USD 100 Cancellation fee 100 EUR/USD Closing 20 EUR/USD 10 B Deposit Accounts 1 Opening 2 Maintenance fee 3 Issuance of a copy of the deposit agreement (VAT taxable) 5 5 C Accumulative Accounts* * Accumulative accounts are available only for currency 1 Opening 10 2 Maintenance fee 3 Closing 20 D Liquidation Accounts 1 Opening 10 EUR/USD 10 2 Maintenance fee 6 EUR/USD 6 3 Closing 10 EUR/USD 10 3

4 II. PRODUCT PACKAGES Package: 1, 2 Dinamika Standard/ Dinamika Standard Premium IBAN/ Dinamika POS Dinamika Premia/ Dinamika Premia Premium IBAN е Dinamika/ е Dinamika Premium IBAN е Dinamika Premia/ е Dinamika Premia Premium IBAN Dinamika Plus Standard/ Dinamika Plus Standard Premium IBAN/ Dinamika Plus POS Dinamika Plus Premia/ Dinamika Plus Premia Premium IBAN 1 Opening of the current account of the package (the account) 2 Monthly maintenance fee for the account automatically generated IBAN 18 EUR IBAN as per customer selection package with Premium IBAN 22 EUR Depositing on the account for the amount over 3 000, EUR per day: sorted min. 2, 0.20% max 150 unsorted min. 2, no 0.30% max 4 Withdrawal from the account upon request* 0.30% min. 3, max % * The request must be submitted in written form not later than pm as follows: for amounts above 3 000/6 000 one working day in advance. for amounts above EUR/USD and for any amount in case of other foreign currency two working days in advance. EUR for the amount over 3 000, EUR per day: min EUR/USD 5, max EUR/USD % min. 3, max % min. 3, max 500 min. 2, 0.20% max 150 min. 2, no 0.30% max 0.40% min. 3, max % min. 3, max 200 without request (upon the Bank s consent) 0.50% min % min EUR/USD % min % min % min % min % min % for the amount over per day: min. 3, max 200 requested but not withdrawn amount* 0.50% min % min EUR/USD % min % min % min % min % min 2 * The fee is calculated as a percentage of the nonwithdrwan amount. 5 Outgoing transfers within the the Bank system and in the currency of the account: ed at Bank's branch * 0.50 EUR * Fee is not collected for transfers from/ to accounts of one and the same customer opened with the Bank. ed via Internet Banking EUR Interbank outgoing transfers in the currency of the account: ed at Bank's branch % min. EUR 20, max. EUR ed at Bank's branch (via RINGS) ed via Internet Banking* % min. EUR 20, max. EUR 300 * For packages "e Dinamika", "e Dinamika Premia", "e Dinamika Premium IBAN" and "e Dinamika Premia Premium IBAN", 50 interbank transfers in through the Internet banking system are. For packages "Dinamika Plus" (Standard, Premia and POS), "Dinamika Plus Premium IBAN" and "Dinamika Plus Premia Premium IBAN" 75 interbank transfers in through the Internet banking system are ed via Internet Banking (RINGS) Monthly maintenance fee for the debit card of the package Notes: 1. The packages are valid only for small business companies. Each package includes three products Internet banking, current account (Dinamika Standard /EUR, Dinamika Premia,Dinamika Plus, Dinamika Plus Premia, e Dinamika, е Dinamika Premia, Notary, Notary Premia, Farmer or Medic) and a debit card (Maestro/ 24h Business MasterCard/ 24h Visa Business only one debit card as per customer s choice). 2. For transactions not explicitely pointed in section Product Packages, the relevant fees according to the rest Tariff sections are applied. 3. The packages are valid only for small business companies. Each package includes four products Internet banking, current account (Dinamika Standard Premium IBAN /EUR, Dinamika Premia Premium IBAN,Dinamika Plus Premium IBAN, Dinamika Plus Premia Premium IBAN, e Dinamika Premium IBAN, е Dinamika Premia Premium IBAN, Notary Premium IBAN, Notary Premia Premium IBAN, Farmer Premium IBAN or Medic Premium IBAN), Premium IBAN and a debit card (24h Business MasterCard/ 24h Visa Business only one debit card as per customer s choice). 4

5 II. PRODUCT PACKAGES Package: 3 Notary/ Notary Premium IBAN Notary Premia/ Notary Premia Premium IBAN Notary Special Account1, 2 Farmer/ Farmer Premium IBAN Medic/ Medic Premium IBAN 1 Opening of the account to the package (the account) EUR 2 Monthly maintenance fee for the account automatically generated IBAN IBAN as per customer selection package with Premium IBAN Depositing on the account for the amount over 3 000, EUR per day: sorted unsorted 4 Withdrawal from the account for the amount over 6 000, EUR per day: for the amount over 3 000, EUR per day: upon request* 0.30% min. 3, max % min. 3, max % min. 3, max % min EUR 5, max EUR % min. 3, max % min. 3, max 200 * The request must be submitted in written form not later than pm as follows: for amounts above 3 000/6 000 one working day in advance. for amounts above EUR/USD and for any amount in case of other foreign currency two working days in advance. without request (upon the Bank s consent) 0.50% min % min % min % min EUR % min % min 10 5 Outgoing transfers within the the Bank system and in the currency of the account: ed at Bank's branch * EUR * Fee is not collected for transfers from/ to accounts of one and the same customer opened with the Bank. ed via Internet Banking EUR 3 6 Interbank outgoing transfers in the currency of the account: ed at Bank's branch % min. EUR 20, max. EUR ed at Bank's branch (via RINGS) ed via Internet Banking % min. EUR 20, max. EUR ed via Internet Banking (RINGS) Monthly maintenance fee for the debit card of the package Notes: 1. The Notary special account is under art.25a of the Law on Notaries and Notarial Practice. 2. Package Notary Special Account /EUR requires the client obligatory to use package Notary or package Notary Premia. 3. For transactions not explicitely pointed in section Product Packages, the relevant fees according to the rest Tariff sections are applied. 5

6 III. CASH OPERATIONS A Depositing*: B * For depositing in currency other than the currency of the account, the relevant fees as per section Purchase and Sale of Foreign Currency are applied. 1 Sorted for the amount over 3 000, EUR/USD per day 0.2% min 2, max % min EUR/USD 5, max EUR/USD Unsorted on the total amount 0.3% min 2 0.5% min EUR/USD 5 3 Depositing to a time deposit Cash withdrawal from account*: * For withdrawal in currency other than the currency of the account, the relevant fees as per section Purchase and Sale of Foreign Currency are applied. 1 For the amount up to 3 000, EUR/USD per day 2 For the amount over 3 000, EUR/USD per day: upon request* 0.4% min. 3 max % min EUR/USD 5 max EUR/USD 300 * The request must be submitted in written form not later than pm as follows: for amounts above one working day in advance. for amounts above EUR/USD and for any amount in case of other foreign currency two working days in advance. without request (upon the Bank s consent) 0.5% min 5 0.6% min EUR/USD7 requested but not withdrawn amount* 0.5% min 2 0.5% min EUR/USD5 * The fee is calculated as a percentage of the nonwithdrwan amount. 3 Withdrawal from a time deposit on the value date C Other Cash Services 1 Processing, counting and exchange (without depositing to an account) (VAT taxable) 1.00% 1.00% 2 Banknote checking (VAT taxable) Exchange of banknotes for coins and vice versa (VAT taxable) 5.00% not offered 4 Depositing of coins (over 10) 5.00% min 10 5 Depositing/ change of unfit banknotes 6 Exchange of damaged banknotes (immediate exchange) (VAT taxable) 7 Cash collection of damaged banknotes (to BNB for subsequent exchange) (VAT taxable) 8 Collection of means of payment unusable and/or badly damaged banknotes and/or banknotes out of circulation (VAT taxable) 1 per banknote per each banknote 9 Cash transfers for other banks ed by legal entities* 2.00% min 3 10 Cash transfers for other banks ed by legal entities RINGS* 2.00% min 13 not offered not offered not offered not offered 3% of the amount approved by the bank abroad, min EUR/USD 2 not offered D *The fee is also applied upon cash transfers of charges in favor of State and Local budgets, Courts, Notaries, Customs, etc. 11 Cash deposit from third parties on accounts within the Bank (due from the depositor): Cash depositing by legal entities to an account of State or Local budgets, Courts, Notaries, Customs, etc. Cash depositing by legal entities to an account of another legal entity Cash depositing by legal entities to an account of an individual client 12 Cash withdrawal at a POS at a branch of the Bank Cash withdrawal at POS via cards issued by the Bank Cash withdrawal at POS via Maestro and Visa Electron debit cards issued by another bank Cash withdrawal at POS via Visa and MasterCard cards issued by another bank Cash Collection 0.15% min 1.50 max % min % min % min % min 5 According to Section Bank Cards 1.00% min % 1 Depositing of cash collections to an account (on the total deposited min 20 amount) 0.20% max % 2 Nonproperly formed cash consignments min EUR/USD20 max EUR/USD 200 6

7 IV. A B TRANSFERS / PAYMENTS Incoming transfers 1 Interbank incoming in 2 Interbank incoming in FX: up to EUR/USD EUR/USD 5 min EUR/USD 10 over EUR/USD2 500 for the total amount 0.10% max EUR/USD Interbank incoming with same day value date (upon the min EUR/USD 50 Bank s consent) 0.30% max EUR/USD 300 Outgoing transfers 1 Within the Bank system: Between accounts of two customers 1 EUR/USD 5 Between accounts of one and the same customer 2 Interbank outgoing 3 Interbank outgoing multipletransaction payment to the state budget 4 For express transfers (receiving of a SWIFT copy within 2 hours): through RINGS 15 through RINGS multipletransaction payment to the state budget 20 next day value date express same day value date (upon received not later than 11:00 am) super express 5 Letter of advice to the bank of the beneficiary by fax: 0.15% 0.40% in Bulgaria EUR/USD 2 abroad EUR/USD 4 6 Letter of advice to the bank of the beneficiary/ ing party (SWIFT) EUR/USD 10 7 Additional written correspondence on a payment 10 EUR/USD 20 8 Stopping and return (upon the Bank s consent) of transfer already initiated upon client s 5 EUR/USD 30 9 Return of a transfer received in favour of a bank s client, regardless of who the ing party is 0.20% 10 Additional fee for IBAN absence EUR Direct debit initiation, payment, rejection 12 Direct Debit regular payment of utility bills 13 Mass payments to/from multipple accounts up to above up to above * Multipletransaction payment to the state budget is not offered as an option in the Internet Banking. up to above /per / min EUR/USD 20, max EUR/USD 300 not offered not offered not offered 0.15%, min EUR/USD 20 max EUR/USD EUR/USD 35 min EUR/USD 50, max EUR/USD 400 min EUR/USD 20, max EUR/USD 250 C Cheques 1 Issuance of a bank draft drawn on the Bank correspondent bank 2 Stop payment of bank draft drawn on the Bank correspondent bank 3 Cancellation of cheques upon client s request 4 Reissuance of cheques upon client s request 5 Immediate encashment of traveler s cheques 6 Collection of personal cheques * * The service is offered only if the beneficiary holds an account with the Bank. 7 Sending cheques upon client s request via courier service (VAT taxable) min EUR % max EUR 100 EUR 10 + correspondent bank charges EUR 10 per cheque EUR 10 per cheque EUR 1 per cheque, min EUR 7 EUR 45 per cheque 0.2%, min EUR 10 max EUR100 7

8 V. BANK CARDS A Debit cards Maestro / EUR Visa Electron 1 /USD MasterCard Business /EUR Visa Business 2 EUR/ USD EUR 1 Issuance (10 working days): 2 Issuance of extra and/or following card (10 working days): 3 EUR Re issuance: due to validity expiry in case of a lost/stolen card, forgotten PIN and upon customer's request 5 EUR EUR 10 4 Delivery of a card to the correspondence address (VAT taxable): standard delivery 10 EUR 5 10 EUR 5 express delivery 30 EUR EUR 15 5 Delivery of a card to a branch different from the one issuing the card (VAT taxable) 5 EUR EUR 5 6 Maintenance fee (monthly) 2 EUR 1 7 Change of card data (limits and code word) 5 EUR EUR 10 8 Change of PIN (available only at Bank's ATM) 9 Card blocking 10 Card unblocking 3 EUR EUR Inclusion in "ELECTRONIC STOP list" to 40 weeks 60 EUR Inclusion in "ELECTRONIC STOP list" over 40 weeks 80 EUR Activation of SMS notification service on debit cards 3 EUR EUR SMS notification fee* (VAT taxable) * the fee is due in case of SMS notification for successful transaction at ATM, POS Other (account related fees) 15 Minimum account balance 16 Monthly fee for current account 17 Opening / closing of account Usage in Bulgaria and abroad (transaction fees) 18 Payment through POS or Internet: 19 Payment through ATM at merchant of the Bank at merchant of another Bulgarian bank at merchant abroad 20 Funds transfer between accounts servicing the debit card of the customer through ATM of the Bank 21 Cash withdrawal from ATM: According interest bulletin According to Section I Accounts, p.а. Current Accounts or Section II Product Packages 0.5% on the amount 0.5% on the amount 0.10 EUR EUR 0.05 АТМ of the Bank 0.30 EUR EUR 0.15 АТМ of another bank in the country 1 EUR EUR 1 АТМ abroad 22 Cash advance at POS: 23 Credit refund transaction POS at the Bank's branch POS at a branch of another bank in the country POS at a branch of another bank abroad 24 Balance inquiry on ATM of the Bank 25 Balance inquiry on ATM of another bank or Epay 0.30 EUR EUR Starting a procedure for disputing a transaction held abroad 27 Fee for incomming dispute of abroad transaction 28 Baseless disputing of a transaction 5 EUR EUR Fee for currency convertion for transactionс abroad * * Currency conversion fee for transactions abroad is only for debit cards Visa Electron and Visa Business % on the amount 0.1%, min % on the amount, min % on the amount 2.0% on the amount 2.50 EUR + 1.5% on the amount 0.1%, min 0.50 EUR 1.50 EUR + 1.0% on the amount, min EUR 2.50 EUR + 1.5% on the amount 2.0% on the amount % on the amount, min % on the amount % on the amount, min % on the amount, min % on the amount 3 EUR + 1.5% on the amount,min. EUR 5 0.5% on the amount 3 EUR + 1.5% on the amount, min. EUR 5 3 EUR + 1.5% on the amount, min. EUR 5 2.0% on the amount 1.0% on the amount 1.0% on the amount 8

9 V. BANK CARDS A Debit cards Maestro / EUR Visa Electron 1 /USD MasterCard Business /EUR Visa Business 2 EUR/ USD Payment limits (24 hours) 3 30 ATM daily limit POS daily limit Total АТМ + POS As of debit card Visa Electron is no longer issued in EUR. The fees are applicable to the already issued debit cards Visa Electron in EUR. Upon the expiry of the cards in EUR, they will be replaced with another similar product as per customers choice. 2. As of debit card Visa Business with Overdraft Loan is no longer issued. The fees are applicable to the already issued debit cards of the type. Upon the expiry of the cards they will be replaced with another similar product as per customers choice. 3. The limits may be increased up to double amount (with the exception of Maestro and Visa Electron in ). EUR A 1 2 Debit Card "Universal Payer" (utility payments)* Registration for the service "Universal Payer" Application for change in registration data (subscription numbers adding/cancelling, change of account, etc.) Other 3 Minimum account balance 1 According interest bulletin 4 5 Monthly fee for current account Opening / closing of account According to Section I Accounts, p.а. Current Accounts or Section II Product Packages 6 Usage (transaction fees) Fee for utility payment Receiving of a report for successful utility payment at Bank's branch or monthly via (VAT taxable) SMS notification for successful utility payment /collected from DATA MAX/ (VAT taxable) Еmail notification for successful utility payment /collected from DATA MAX/ (VAT taxable) 0.10 * "Universal payer" service is offered through issuance of virtual card Maestro with daily payment limit on virtual POS B Credit Cards American Express USD * USD 1 Issuance of a bank guarantee with respect to the issuance of American Express International Card USD 30 2 Minimum balance required on the current account USD Collateral time deposit for: issuance of primary card for companies in existence for more than 3 years issuance of primary card for companies in existence for less than 3 years USD USD issuance of a supplementary card USD Annual maintenance fee for: primary card USD 100 supplementary card USD 70 Note: The bank also collects all fees and charges of American Express. * As of the Bank does not issue cards American Express USD. The fees are applicable for already issued cards American ExpressUSD. 9

10 VI. 1 2 EBANKING Registration and maintenance Outgoing transfers in : 2.1 Within the Bank system: Between accounts of two customers 0.65 Between accounts of one and the same customer 2.2 Interbank outgoing: via BISERA 1.20 via RINGS (obligatory for transfers above ) Outgoing transfers in foreign currency: 3.1 Within the Bank system: Between accounts of two customers EUR/USD 3.00 Between accounts of one and the same customer 3.2 Interbank outgoing 0.10% min EUR/USD 20 max EUR/USD Interbank outgoing express: next day value date express same day value date (in case the is accepted not later than 11 a.m.) super express 0.10% +EUR/USD % min EUR/USD 20 max EUR/USD 300 min EUR/USD 50 max EUR/USD EBanking notifications: 4.1 per SMS (with VAT included): for executed transfer through EBanking for non accounted transfer Fraud prevention SMS: for login from different IP address, login credential change and certificate status change 4.2 per 5 Reissuance of PIN/scratch card for EBanking upon customer request Limit change 7 Utility payment and Tax payments fee (per transaction) Digital certificate issued by the Bank 9 SMS one time password Note: The fees from the other Tariff sections are applied in case of operations not specifically mentioned in the EBanking section. 10

11 VII. PURCHASE AND SALE OF 1. The Bank buys and sells foreign currency in exchange for, as well as exchanges one foreign currency for another foreign currency according to exchange rates specified in its exchange rates bulletin for the respective day (Bulletin of the Bank for foreign currency exchange). 2. For exchange of foreign currencies not included in the exchange rates bulletin of the Bank, the exchange rate is determined by "Treasury and Financial Markets Division. 3. For amounts over the ones specified below the clients of the bank receive market exchange rates from the "Treasury and Financial Markets Division : USD EUR CHF GBP SEK RUB RON TRY The Bank buys and sells banknotes at cashdesk only in the following foreign currencies: USD, EUR, CHF, GBP and SEK. A Purchase and sale of foreign currency in exchange for 1 Account account 2 Cash cash for the amount above % on the amount above B Exchange of one foreign currency for another foreign currency * 1 Account account 2 Cash cash for the amount above EUR/USD or equivalent 0.3% on the amount above the limit, min EUR/USD 5 * The Bank applies exchange rate calculated on the basis of the Bank s buy and sell rates for the respective currencies relative to for the day of the operation. 11

12 VIII. SECURITIES A Government Securities, registered in Bulgaria 1 Execution of competitive s for participation in auctions for purchases of government securities: approved s nonapproved s 10 per 0.045% of the total nominal value of the, min 7 2 Execution of noncompetitive s for participation in auctions for purchases of government securities 0.045% of the total nominal value of the, min 6 3 On maturity of government securities 0,025 % of the nominal value 4 Transfer of government securities between Bank client and other primary and secondary dealers 25 5 Issuance of letter of advice for government securities transactions upon client s request 20 6 Transfer of government securities between Bank client and another legal entity: within the Bank 10 to/from another financial institution 10 7 Issuance of a copy of a certificate of ownership on government securities (VAT taxable) 10 Transfer of government securities to the account of Ministry of Finance with BNB for participation in 8 10 privatisation deals (VAT taxable) 9 Issuance of a statement for government securities owned upon client s request (VAT taxable) Blocking and unblocking of government securities, unless a pledge is established in accordance with the Special Pledges Act (the commission is on the nominal value) 0.03%, min Entering of special pledges in the the Bank register and issuance of certificates (VAT taxable) Deletion of registration of a special pledge agreement (VAT taxable) Registration at BNB of government securities transaction between foreign investors (VAT taxable) 15 per notification 14 Cancelling of instructions on transactions of government securities Safe keeping * (VAT taxable) 0.035%, min. 250 per year * The fee is collected on threemonths basis B Government Securities, registered abroad (Foreign Government Securities) 1 Safe keeping and maintenance of foreign government securities register* (including a monthly register statement) (VAT taxable) 0.05%, min. 350 per year * The fee is collected on threemonths basis 2 Register statement upon client s request (VAT taxable) 15 3 Transfer of government securities: between two institutions, the registers of which are managed by the Bank 15 to/from client, the register of which is not managed by the Bank 40 4 Issuance of a letter of advice for government securities transactions upon client s request 25 5 Cancelling of instructions upon client s request (upon the Bank s consent) 50 6 Corporate action advice (VAT taxable) 100 C Corporate Securities* registered in Bulgaria * All securities within the meaning para 1 of AP of MIFID are included, with the exception of government securities 1 Purchase or sale of bonds and other debt corporate securities, made at regulated market: up to %, min 5 over subject to agreement 2 Purchase or sale of bonds and other debt corporate securities, made out of regulated market: up to %, min 15 over subject to agreement 3 Purchase or sale of shares and other nondebt corporate securities, made at regulated market: standard fee 1%, min 5 if ed by COBOS 0.5%, min 2 for clients, who have invested over subject to agreement 4 Registration for COBOS (VAT taxable) *Fee is paid by the client, but then deducted from his commissions. as per the Tariff of Bulgarian Stock ExchangeSofia * 5 Purchase or sale of shares and other nondebt corporate securities, made out of regulated market: up to %, min 15 over subject to agreement 12

13 6 Transfer of corporate securities on repo deal: repo deals with the Bank repo deals up to with other investment intermediary 0.5%, min 15 repo deals over with other investment intermediary subject to agreement Purchase of shares and other nondebt corporate securities in initial or secondary public offering (IPO or SPO) Purchase of shares and other nondebt corporate securities with procedure of privatization through regulated market Transfer of corporate securities from customer s account in Central Depository AD to customer s account in the Bank Transfer of corporate securities from client s account in the Bank to client s account in Central Depository AD or in other investment intermediary subject to agreement subject to agreement A detailed report from Central Depository AD for current state of portfolio (VAT taxable) A report from the Central Depository AD for the state of portfolio for previous period (VAT taxable) Change of personal data kept with Central Depository AD for each depository receipt 14 Issuance of a depository receipt for ownership of corporate securities (VAT taxable) Issuance of a copy of a depository receipt for ownership of corporate securities (VAT taxable) Check of availability of corporate securities on personal account in Central Depository AD (VAT taxable) 17 Transfer of corporate securities with donation: with market price up to % of the amount of transfer, min 20 /total amount for both parites/ with market price over subject to agreement 18 Transfer of corporate securities against consideration under the terms of agreement, concluded between the parties: with amount up to % of the amount of transfer, min 20 /total amount for both parites/ with amount over subject to agreement 19 Registration of a pledge agreement (VAT taxable) Registration of blocking of corporate securities Trust transfer 7 22 Safekeeping of corporate securities*: unprofessional investors out of the range of persons under the art. 77 d, par. 2 of Law 0.125%, min 20 годишно on Public Offering of Securities professonal investors and other persons under the art. 77 d, par. 2 of Law on Public Offering of Securities * It is calculated on the amount of corporate securities, specified according the terms of Regulation No 23 of FSC for the terms and the method for valuation of client s assets and according to the internal rules for the terms and method of valuation of client s assets in the Bank 23 Notification for divends/coupon payment 5 24 Distribution of dividends subject to agreement 25 Transfer of corporate securities owned by a legal entity from the Bank register to the register of another investment intermediary Corporate action advice (VAT taxable) Issuance of a certificate for company registration on the free market of the Bulgarian Stock Exchange Sofia AD (VAT taxable) Issuance of a certificate for company registration on the official market of the Bulgarian Stock Exchange Sofia AD. (VAT taxable) Dividend/ coupon payment: within the Bank account at tellers 1 + cash charges D E Compensatory instruments Portions of collective investment schemes All terms for shares and other nondebt corporate securities are applicable All terms for shares and other nondebt corporate securities are applicable 13

14 F Corporate Securities* registered abroad * All securities within the meaning of art. 3, p. 1 in connection with para 1, p. 1 of AP of MIFID are included, with the exception of government securities. Fees and Commissions for Deals and Services on International Markets for Financial Instruments Country Market for Financial Instruments Fee * Safe keeping (annual) ** 1 Australia Australian Stock Exchange 0.70% min EUR 7 per 2 Austria Vienna Stock Exchange 0.70% min EUR 7 per 3 Belgium Euronext Brussels 0.70% min EUR 7 per 4 UK London Stock Exchange 0.70% min EUR 7 per 5 Germany Berliner Borse, Frankfurt Stock Exchange, XETRA, Borse Munich 0.70% min EUR 7 per 6 Greece Athens Stock Exchange 0.70% min EUR 7 per 7 Denmark Copenhagen Stock Exchange 0.70% min EUR 7 per 8 Ireland Irish Stock Exchange, Irish Enterprise Exchange 0.70% min EUR 7 per 9 Spain Madrid Stock Exchange 0.70% min EUR 7 per 10 Italy Borsa Italiana 0.70% min EUR 7 per 11 Canada Montreal Exchange, Toronto Stock Exchange 12 Norway Oslo Stock Exchange 0.70% min EUR 7 per 13 Portugal Euronext Lisbon 0.70% min EUR 7 per 14 USA New York Stock Exchange, NASDAQ Stock Market, AMEX, ECNs the EUR equivalence of CAD 0.15 per share, min EUR 7 per 0.70% min EUR 7 per 15 Finland Helsinki Stock Exchange 0.70% min EUR 7 per 16 France Euronext Paris 0.70% min EUR 7 per 17 Netherlands Euronext Amsterdam 0.70% min EUR 7 per 18 Switzerland SIX Swiss Exchange 0.70% min EUR 7 per 19 Sweden Stockholm Stock Exchange 0.70% min EUR 7 per 20 Japan Tokyo Stock Exchange 0.70% min EUR 7 per 21 Poland Warsaw Stock Exchange 0.80% min EUR 7 per 22 Singapore Stock Exchange of Singapore 0.80% min EUR 7 per 23 Turkey Istanbul Stock Exchange 0.80% min EUR 7 per 24 Hungary Budapest Stock Exchange 0.80% min EUR 7 per 25 Hong Kong Hong Kong Exchanges and Clearing 0.80% min EUR 7 per 26 Czech Republic Prague Stock Exchange 0.80% min EUR 7 per 0.65% min EUR % min EUR % min EUR % min EUR % min EUR % min EUR 15 *The commission does not include some additional expenses specific for some markets which could arise such as taxes (duty included), impositions, public or regulatory taxes, other payment connected to the deals of acquisition or sale of financial instruments, etc. The client will be informed in advance for all additional expenses. The commission is calculated in EUR on the amount/ equivalence of the price of the deal in EUR in official exchange rate for the Bank or in exchange rate, which is defined from credit and/ or depository institution, to which the Bank has delegated its function for safekeeping of corporate securities. For clients who have an open account in USD, the commissions for the deal at a market in USA are in USD. ** The amount of the charge for safekeeping is annual and is calculated on base 30/360. The charge is defined on basis of daily average balances during the month, which are revaluated on a price of closing for the respective market from the last (the closest previous) day of the month. The charge is calculated in equivalence in EUR of the revaluation in the official exchange rate the Bank or in an exchange rate, specified from a credit and/or depository institution, to which the Bank has delegated its functions (all or part of them) for safekeeping of corporate securities. The calculated charges for safekeeping are collected on threemonth basis. 27 Transfer of securities to/from client, whose register is not managed by the Bank EUR 25 14

15 IX. MUTUAL FUNDS A Mutual Funds 1 Sales charge percentage of the invested amount*: (LF) Fund of Funds Global Low 1.50% (LF) Fund of Funds Global Medium 1.50% (LF) Fund of Funds Global High 2.00% (LF) Equity Emerging Europe Fund 2.00% (LF) Equity Turkish Equity Fund 2.00% (LF) Fund of Funds BRIC 2.00% (LF) Fund of Funds Real Estate 2.00% (LF) Fund of Funds Equity Blend 1.50% (LF) Fund of Funds Balanced Blend 1.50% (LF) Special Purpose 5.5% Equity Formula EUR 0.00% (LF) Special Purpose 4.5% Equity Formula USD 0.00% (LF) Special Purpose Equity Formula Bonus 0.00% (LF) Cash Fund (EUR) 0.00% * Sales charge for the institutional clients is subject to agreement. 2 Redemption Chargepercentage of the redemption proceeds*: less than 180 days from 180 days to 1 year Holding period from 1 to 2 years more than 2 years (LF) Fund of Funds Global Low 1.00% 1.00% 0.50% 0.00% (LF) Fund of Funds Global Medium 1.00% 1.00% 0.50% 0.00% (LF) Fund of Funds Global High 1.00% 1.00% 0.50% 0.00% (LF) Equity Emerging Europe Fund 1.00% 1.00% 1.00% 1.00% (LF) Equity Turkish Equity Fund 1.00% 1.00% 1.00% 1.00% (LF) Fund of Funds BRIC 1.00% 1.00% 0.50% 0.00% (LF) Fund of Funds Real Estate 1.00% 1.00% 0.50% 0.00% (LF) Fund of Funds Equity Blend 1.00% 1.00% 0.50% 0.00% (LF) Fund of Funds Balanced Blend 1.00% 1.00% 0.50% 0.00% (LF) Special Purpose 5.5% Equity Formula EUR (LF) Special Purpose 4.5% Equity Formula USD (LF) Special Purpose Equity Formula Bonus 0% after / 2% until % after / 2% until % after / 2% until (LF) Cash Fund (EUR) 0.00% 0.00% 0.00% 0.00% * Redemption charge for the institutional clients is subject to agreement. B Current Accounts for Mutual Funds Note: The account must be used only for the needs of investing in mutual funds. Foreign currency 1 Opening of Mutual Fund current account 2 Minimal balance 0 EUR/USD 0 3 Maintenance (monthly) 4 Closing 5 Depositing Note: The fees from the other Tariff sections are applied in case of operations not specifically mentioned in the point Current Accounts for Mutual Funds. 15

16 X. DOCUMENTARY/CLEAN COLLECTIONS For documentary/clean collections processing the International Chamber of Commerce, Paris Uniform Rules for Collections, Publication 522 are applied. 1 Documents received for release against payment or acceptance or received for release free of payment (import collections) 0.20% min EUR 20, max EUR Amendment of collection instructions EUR 35 3 Forwarding of documents including credit instruments (bills of exchange, promissory notes) for collection against payment/acceptance or for delivery free of payment (export collections) 0.20% min EUR 40, max EUR Amendment of collection istructions EUR 35 5 Claims (upon client s request) per message EUR 10 6 Courier charges (VAT taxable) EUR 45 XI. LETTERS OF CREDIT 1 Processing of letters of credit is subject to the International Chamber of Commerce, Paris Uniform Rules for Documentary Credits, Publication 500, Revision The onetime charge for opening and/or confirmation is collected upon opening of the letter of credit for the full period of validity of the letter of credit. 3 4 Upon increasing the amount of the letter of credit, additional charge for opening is collected on the amount with which the letter of credit is increased. 5 6 In the case of a revolving letter of credit, the charge for opening and/or confirmation is computed on each revolving amount in the same way as at the opening of the letter of credit. In case of letters of credit marked approximately or increased/reduced within the limits of a specified percentage, the charges expressed in promile terms are calculated on the amount plus 10% for the approximately mark or plus the specified other increase percentage. Extension of a letter of credit is charged as follows: a) when the extension is within a new quarter or part thereof the charge for opening of a new letter of credit is due; b) when the extension is within the current quarter for which fee has already been collected only an amendment fee is due. 7 Deferred payments/acceptance charge is collected upon acceptance for the actual payment period. 8 If under the terms of a letter of credit charges and fees are for the the beneficiary s account and the beneficiary refuses to pay them, the Bank reserves the right to collect the respective charges, fees and expenses from the ing party. A Documentary Letter of Credit, opened by foreign or local banks (Export Letters of Credit) 1 Pre advise of letter of credit 30 EUR 25 2 Advising without confirmation 0.10% min. 50 max Advising with adding confirmation by the Bank 0.25% per quarter or part thereof, min % min EUR 25 max EUR % per quarter or part thereof, min EUR 75 4 Processing, forwarding and payment/processing and forwarding of 0.15% min % min EUR 50 documents max Deferred payment/ acceptance fee 0.10% per month min % per min EUR 50 month B 6 Cancellation of an unutilised letter of credit 30 EUR 20 7 Transfer of a letter of credit to second beneficiary 0.20% min 100 max Amendment fee 50 EUR 35 9 Second examination of documents after they have been returned for correction 80 EUR Additional correspondence (upon client s request ) per message 15 EUR Courier charges (VAT taxable) 20 EUR Advise of assignment of proceeds 75 EUR 50 Documentary Letter of Credit, opened by the Bank against foreign or local banks (Import Letters of Credit) 1 Issuance of SWIFT preadvice of letter of credit 30 EUR 30 2 Opening, processing and payment fee: 0.20% min EUR 50 max EUR 1000 when cover is cash collateral 0.25% per month or part thereof, min 50 max % per quarter or part thereof, min EUR 75 when cover is different from cash collateral, min 50, min EUR 50 3 Deferred payment/ acceptance fee 0.15% per month min % per min EUR 50 month 4 Handling of documentary letters of credit requiring additional processing 0.05 %, added to the regular 0.05 %, added to the regular charge charge 5 Amendment fee 100 EUR Discrepancy fee 100 EUR Cancellation of a letter of credit before expiry 100 EUR Issuance of assignement of proceeds 0.1% per month or part thereof, min 50 max % per quarter or part thereof, min EUR 25 16

17 XII. LOANS Clients with annual sales of up to negotiate conditions for financing with the Bank Financial Centers. Clients with annual sales of over negotiate conditions for financing with the Corporate Banking Division. Clients with sales of up to for the last completed annual accounting period are treated as small enterprises (SBB) for the purpose of this tariff. Clients with revenues from sales exceeding in the last completed annual accounting period shall be treated as corporate customers for the purpose of this Tariff. In cases of related persons the limitation on size of sales includes borrower and related persons as a whole. A Guarantees for corporate customers 1 Guarantees issued by the Bank: Commission for issuing of: Guarantees covered with cash deposits, securities, counterguarantees by firstclass banks (minimum credit rating AA) Guarantees covered with tangible assets such as finished goods, working in progress, machines, property, etc. subject to agreement min 50 subject to agreement Amendments commission 80 EUR 50 Courier charges (VAT taxable) 20 EUR 45 2 Guarantees issued by other banks: Commission for advising without engagement on the Bank 0.10% min 35, max % Amendments commission 80 EUR % for each quarter or part thereof, min % for each quarter or part thereof, min EUR 50 min EUR 50 min EUR 30, max EUR 250 Handling and sending of documents for utilisation 0.15% min % min. EUR 50 B Courier charges (VAT taxable) 20 EUR 45 Guarantees for small enterprises (SBB) 1 Guarantees issued by the Bank: Application fee for: Guarantees covered with cash deposits, securities, counterguarantees by firstclass banks (minimum credit rating AA) Guarantees covered with real estate Guarantees covered with tangible assets such as finished goods, working in progress, machines, property, etc. Commission for issuing of: Guarantees covered with cash deposits, securities, counterguarantees by firstclass banks (minimum credit rating AA) % for each quarter or part thereof, min % for each quarter or part thereof, min EUR 40 Guarantees covered with real estate 0.5 % for each quarter or part thereof, min % for each quarter or part thereof, min EUR 40 Guarantees covered with tangible assets such as finished goods, working in progress, machines, property, etc. 0.7 % for each quarter or part thereof, min % for each quarter or part thereof, min EUR 40 Amendments commission 60 EUR 40 Courier charges (VAT taxable) 20 EUR 45 2 Guarantees issued by other banks: Commission for advising without engagement on the Bank 0.10% min 35, max % min EUR 30, max EUR 200 Amendments commission 80 EUR 40 Handling and sending of documents for utilisation 0.12% min % min. EUR 20 Courier charges (VAT taxable) 20 EUR 45 17

18 C Appraisal as per type of collateral (VAT taxable) for loans of corporate customers and small enterprises (SBB) Appraisal as per type of collateral (VAT taxable) 1 Apartments 2 Shops, offices 3 For every extra property in the same building (same, same client) 4 Bill of Quantities Check for apartments, shops, offices and for every extra property in the same building (same, same client) 5 Detached Houses Maisonettes 6 Commercial Buildings (office buildings, office and shops buildings, officeshops and car parking, hotels, shopping centers, industrial buildings, warehouses, cinemas, hospitals, etc.) 7 Bill of Quantities for commercial buildings (office buildings, office and shops buildings, officeshops and car parking, hotels, shopping centers, industrial buildings, warehouses, cinemas, hospitals, etc.) 8 Bill of Quantities for commercial buildings (office buildings, office and shops buildings, officeshops and car parking, hotels, shopping centers, industrial buildings, warehouses, cinemas, hospitals, etc.) preparation 9 Land plots 10 Neighboring land plot (same client, same ) 11 Cars and agricultural equipments 12 Production equipment 13 Assets, entire company 14 Reappraisal (VAT taxable) In case property has been changed In case property has not been changed 15 Verification of progress of works (VAT taxable): SBB Corporate, Leasing D Loans to corporate customers 1 Examination of the credit application documents fee due upon submission of the credit request and for each reexamination on client s request 2 Maintenance and processing fee for the agreedupon amount of the loan due upon signing of the loan agreement and at the beginning of each initiated year of the loan 3 Commitment fee expressed as annual interest rate on the nonutilised part of the loan. The calculation starts from the day of enforcement of the loan agreement and is collected monthly during the loan utilisation period 4 Preterm repayment fee (fully or partial) is due on the amount of the prepaid capital 5 Interests on credits to corporate customers 18

19 E Loans for small enterprises (SBB) Loan products for business working facilities: 1 Approval fee on the allowed /approved/ amount of the loan, payable once with the opening of the credit loan account 2 Renewal fee on the amount of the renewed loan payable in the beginning of each year, following the opening of the credit loan account 3 Commitment commission it is calculated as annual percentage of the unutilized amount of the loan. The accounting starts with the opening of the credit loan account and it is collected every month 4 Preterm repayment fee (full) on the credit limit before the expiration of the first 5 (five) years* *After the 5th year no preterm repayment fee 5 Preterm repayment fee (fully or partial) is due on the amount of the preterm repaid capital 6 Management fee over the outstanding amount of the principal and payable for every month throughout the validity of the loan Business loan Foreign currency 1.5% min 200 (equivalent in foreign currency) 1.0% min 100 (equivalent in foreign currency) 1.0% min 100 (equivalent in foreign currency) 1.0% min 100 (equivalent in foreign currency) 1 % annually 1 % annually 1 % annually 1 % annually 3.00% 3.00% 3.00% 3.00% 3.00% 0.05% monthly Business revolving line Foreign currency 2.0% min 200 (equivalent in foreign currency) Business revolving line Plus Foreign currency 1.0% min 200 (equivalent in foreign currency) POS revolving line Plus Foreign currency 1.0% min 100 (equivalent in foreign currency) Business overdraft 1%, min % Foreign currency 1%, min EUR 100 Loan products for business equipment and business premises 1 Approval fee on the allowed /approved/ amount of the loan, payable once with the opening of the credit loan account 2 Renewal fee payable upon renewal of the loan: For loans with 1 year renewal term For loans with 3 years renewal term 3 Commitment commission it is calculated as annual percentage of the unutilized amount of the loan. The accounting starts with the opening of the credit loan account and it is collected every month 4 Preterm repayment fee (full) on the credit limit before the expiration of the first 5 (five) years* *After the 5th year no preterm repayment fee 5 Preterm repayment fee (fully or partial) is due on the amount of the preterm repaid capital 6 Management fee over the outstanding amount of the principal and payable for every month throughout the validity of the loan Business Equipment Foreign currency 1.5% min 200 (equivalent in foreign currency) Business Equipment Revolving LinePlus Foreign currency 1.5% min 200 (equivalent in foreign currency) 0.5% over the renewed amount, min % over the renewed amount, min 100 Business Premises purchase, construction or repairing Foreign currency 1.5% min 200 (equivalent in foreign currency) 1.50% min % annually 1 % annually 3.00% 3.00% 3.00% 0.05% monthly 0.05% monthly Business Premises Revolving Line Plus 1% min 200 (equivalent in foreign currency) 0.5% over the renewed amount, min % over the renewed amount, min % Foreign currency 19

20 E LOANS FOR SMALL ENTERPRISES (SBB) Loan products Microguarantee Fund (MCGF): Business Loan MCGF Business Revolving Line Plus MCGF 1 Approval fee on the allowed /approved/ amount of the loan, payable once with the opening of the credit loan account 3.00% min % min % min % min Preterm repayment fee (fully or partial) is due on the amount of the preterm repaid capital 3 Management fee over the outstanding amount of the principal and payable for every month throughout the validity of the loan 4 Renewal fee on the amount of the renewed loan payable in the beginning of each year, following the opening of the credit loan account 3.00% 0.05% monthly 3.00% min 100 Business Equipment Loan MCGF Business Premises Loan MCGF 3.00% 3.00% 0.05% monthly 0.05% monthly 5 Commitment commission it is calculated as annual percentage of the unutilized amount of the loan. The accounting starts with the opening of the credit loan account and it is collected every month 1 % annually Loan products EBRD: 1 Approval fee on the allowed /approved/ amount of the loan, payable once with the opening of the credit loan account 2 Preterm repayment fee (fully or partial) is due on the amount of the preterm repaid capital 3 Management fee over the outstanding amount of the principal and payable for every month throughout the validity of the loan 4 Renewal fee on the amount of the renewed loan payable in the beginning of each year, following the opening of the credit loan account Business Loan EBRD 1.5% min % monthly Foreign currency 1.5% min EUR 100 Business Revolving Line Plus EBRD 1.5% min 200 Foreign currency 1.5% min EUR 100 Business Equipment Loan EBRD 1.5% min 200 Foreign currency 1.5% min EUR 100 Business Premises Loan EBRD 1.5% min % 3.00% 3.00% 3.00% 0.05% monthly 0.05% monthly 1.00% Foreign currency 1.5% min EUR Commitment commission it is calculated as annual percentage of the unutilized amount of the loan. The accounting starts with the opening of the credit loan account and it is collected every month 1 % annually Loan products under agreement with Bulgarian Development Bank (BDB): 1 Approval and processing fees on the approved amount, payable upfront for the 1st credit year on the approved amount and in the beginning of every following year of the credit to the full repayment on the remaining principal Business Loan BDB Business Equipment Loan BDB Business Premises Loan BDB 0.70% 0.70% 0.70% 2 Preterm repayment fee (fully or partial) is due on the amount of the preterm repaid capital 3.00% 3.00% 3.00% 20