T E R M S А N D C O N D I T I O N S

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1 T E R M S А N D C O N D I T I O N S November

2 Terms and Conditions of Piraeus Bank Bulgaria AD 2 / 23 CONTENTS 1. GENERAL PROVISIONS PAYMENTS IN BGN PAYMENTS IN FOREIGN CURRENCIES COMMUNICATION CHARGES CUT - OFF TIMES and VALUE DATES CHEQUES INTERNET BANKING MOVEMENT ACCOUNT SERVICES CASH TRANSACTIONS ISSUING OF REFERENCES AND CERTIFICATES SAFE BOXES DOCUMENTARY OPERATIONS AND BANK GUARANTEES BANK CARDS LENDING INVESTMENT BANKING SERVICES OTHER PRODUCTS AND SERVICES... 22

3 Terms and Conditions of Piraeus Bank Bulgaria AD 3 / GENERAL PROVISIONS These Terms and Conditions stipulate the standard fees and commissions due and payable by the clients of Piraeus Bank Bulgaria /the Bank/ upon execution of the 1.1. transactions. For all services and operations that are not subject to these Terms and conditions, the Bank shall apply fees and commissions upon agreement 1.2. These Terms and Conditions shall be applied for clients of Piraeus Bank Bulgaria who are Bulgarian or Foreign Individuals and Legal Entities. For the purpose of these Terms and Conditions the Sole traders will be regarded as legal entities All fees and commissions shall be collected in BGN or the equivalent in another currency calculated based on specific exchange rate of the Bank on the day of transaction 1.4. The Bank shall execute only those orders which fully comply with the requirements of the effective legislation in this country and on condition that the client has enough funds for performing the transaction and for payment of the due fees and commissions provided that they are chargeable to the client The Bank shall make currency conversion as per the announced exchange rate in its interest rates bulletin in case of transfers which indicate account in currency other than currency of the transfer 1.6. The present terms and Conditions are subject to the prevailing market conditions and the Bank reserves the right to alter and/or amend the Terms and Conditions at any time, at sole discretion, if the Bank deems it necessary The Bank is entitled to debit any other account of the client with the accrued interests, fees, and levies, even in the equivalent in other currency, if there is no sufficient cover on the respective account Current and saving accounts may be closed unilaterally by the Bank with a 60 days written pre-advice Besides the cases where it is explicitly indicated, the fees and commissions for the services taxable under Value Added Tax Act are given with Value Added Tax (VAT) inclusive The Executive Committee of the Bank shall be entitled to alter and amend these Terms and Conditions at any time. The alterations and amendments shall become effective on the day specified in the respective decision of the Executive Committee of Piraeus Bank Bulgaria These terms and Conditions have been approved at the meeting of the Executive Committee of Piraeus Bank Bulgaria with Minutes No 01/ and subsequently amended with Minutes No 5/ , Minutes No 9/ , Minutes No 11/ , Minutes No 12/ , Minutes No 13/ , Minutes No 02/ , Minutes No 07/ , Minutes No 10/ , Minutes No 14/ , Minutes No 17/ and Minutes No 04/ , Minutes No 7/ , Minutes No 8/ , Minutes No 7/ , Minutes No 8/ , Minutes No 9/ , Minutes No 10/2010, Minutes No 12/ , Minutes No 15/ , Minutes No 17/ , Minutes No 02/ , Minutes No 05/ , Minutes No 07/ , Minutes No 09/ , Minutes No 12/ , Minutes No 13/ , Minutes No 14/ , Minutes No 15/ , Minutes No 21/ , Minutes No 01/ , Minutes No 02/ , Minutes No 4/ , Minutes No 8/ , Minutes No 10/ , Minutes No 01/ , Minutes No 02/ , Minutes No 06/ , Minutes No 12/ , Minutes No 19/ , Minutes No 22/ and Minutes No 23/ of the Executive Committee 2. PAYMENTS IN BGN 2.1. Outgoing Inter-bank Payments Outgoing transfers via BISERA Ordered in the bank branch BGN Ordered via the Internet-based channel /WINBANK BGN Outgoing transfers via RINGS Ordered in the bank branch BGN Ordered via the Internet-based channel /WINBANK/ BGN Cash transfer /against deposit of cash at the cashier's desk/ Cash transfer via BISERA 0.5% (min. BGN 5.00) Cash transfer via RINGS 0,5% (min BGN 15) Cash transfer to a company account held with Piraeus Bank Bulgaria Note: The fee is not applicable when the cash deposit is made by individual representing the client, or, an individual expressly authorized by the client to make deposits to its account, and, in the grounds for the cash deposit are missing the details typical for 0,5% (min. BGN 5.00) effecting a payment between the depositor and the account holder Incoming Inter-bank Payments Incoming interbank transfers via BISERA/RINGS Free of charge

4 Terms and Conditions of Piraeus Bank Bulgaria AD 4 / In-house Payments Transfers to other accounts with PBB Ordered in the bank branch BGN Ordered via the Internet-based channel /WINBANK/ BGN Transfers to own customer accounts within PBB Free of charge 2.4. Payments through file within the PBB network /mass payment/ Salary payment via the payroll system By agreement Mass payments to counterparts subject to agreement 2.5. Inter-bank mass payments BISERA/RINGS 2.6. Direct debits Direct debit ordered in the bank branch BGN Direct debit ordered via the internet-based channel /WINBANK/ BGN 1.00 BGN 0.80/BGN 8 /per payment order/ Execution of payment per direct debit order : Via BISERA BGN Via RINGS BGN In-house BGN 1.00 Note: For multi-row payment orders, the fee is collected for each single payment order. 2.7 Utility payment Service subscription fee BGN Utility payment fee: from current/saving account BGN from Maestro debit card BGN from credit card BGN 0.50 Note: The fee for each sms/ alert related to utility payment is according to the service provider s tariff. 2.8 Fee for amendment /cancelation of BGN payment order Via BISERA BGN Via RINGS BGN PAYMENTS IN FOREIGN CURRENCIES 3.1. Outgoing Inter-bank Payments Non-express payments Ordered in the bank branch 0.20%, min. BGN 40, max. BGN 600 +SWIFT Fee BGN Ordered via the Internet-based channel /WINBANK/ 0.20%, min. BGN 40, max. BGN 400 +SWIFT Fee BGN Express payments (applied upon request) Ordered in the bank branch 0.30%, min. BGN 60, max. BGN SWIFT Fee BGN Ordered via the Internet-based channel /WINBANK/ 0.30%, min. BGN 40, max. BGN SWIFT Fee BGN Conditional transfer charged as an issuance of a confirmed LC Cash transfer to a company account with Piraeus Bank Bulgaria 0.5% (min. BGN 10 Note: The fee is not applicable when the cash deposit is made by individual representing the client, or, an individual expressly authorized by the client to make deposits to its account, and, in the grounds for the cash deposit are missing the details typical for effecting a payment between the depositor and the account holder Incoming Inter-bank Payments Payable to account in our books 0.1%, min. BGN 20, max. BGN Paid in cash in favour of beneficiaries, which are not clients of the Bank 0.2%, min. BGN 40, max. BGN Return of payments as per the request of the beneficiary charged as an outgoing transfer 3.3. In-house Payments Transfers to other PBB accounts Ordered in the bank branch Flat BGN Ordered via the Internet-based channel /WINBANK/ Flat BGN Transfers to own customer accounts with PBB Free of charge 3.4. Payments through file within the PBB network Salary payment via the payroll system By agreement Mass payments to counterparts subject to agreement 3.5. Intra-Group payments No Borders /Payments within Piraeus Bank Group/ As per separate Tariff

5 Terms and Conditions of Piraeus Bank Bulgaria AD 5 / Other expenses Inquiry regarding foreign currency payment as per request of the client Flat BGN 30 + SWIFT fee BGN Manual processing of incoming customer transfers with missing or incorrect IBAN of BGN 10 beneficiary Amendment/ Cancellation/Return Flat BGN actual costs + SWIFT fee BGN COMMUNICATION CHARGES 4.1. SWIFT Swift Flat BGN Payment Dispatching Fee Flat BGN Telex Telex flat BGN VAT Telex to other banks under foreign currency payments Flat BGN 5 + VAT 4.4. Fax Per page in Bulgaria flat BGN VAT Per page abroad flat BGN VAT 4.5. Other Expenses Test Key offering Flat BGN 20 + VAT Third party test keys verification Flat BGN 50 + VAT Photocopy of document from the current year Flat BGN 2 + VAT /per page/ Photocopy of document from previous years Flat BGN 3 + VAT /per page/ Duplicate of saving account /passbook/ Flat BGN 3+ VAT 4.6. Courier For Bulgaria Actual costs (min BGN 4) + VAT For abroad Actual costs (min BGN 40) + VAT 5. CUT - OFF TIMES and VALUE DATES 5.1. Cut - off times for submission of payment orders For execution of a foreign currency payment 15:30 H For execution of an express foreign currency payment For EUR and USD: 12:30H For all other currencies 09:30 H For execution of payments in BGN via BISERA with same day value date 13:00 H For execution of payments in BGN via RINGS 15:00 H 5.2. Value Dates Applied for BGN payments Incoming Value date is the day of transaction Outgoing Value date is the day of transaction Applied for foreign currency payments Incoming The business day on which of the payment is credited to the Bank s account Outgoing For payment orders in EUR At the latest by the next business day after receipt of the payment order, plus one business day for payment orders initiated on paper, unless otherwise instructed For payment orders in other currencies Within four business days after receipt of the payment order, unless otherwise instructed In-house The date of the payment order

6 Terms and Conditions of Piraeus Bank Bulgaria AD 6 / CHEQUES 6.1. Cheques and Bank Drafts Collection Up to EUR 200 (or equivalent) Flat BGN Over EUR 200 (or equivalent) 0.2%, min BGN 40, max. BGN Immediate payment No service Return of unpaid cheques Flat BGN Issuance of cheques For Individuals Drawn on a Piraeus Bank Bulgaria's correspondent 0.2%, min BGN 20, max For legal entities Drawn on a Piraeus Bank Bulgaria's correspondent 0.2%, min BGN 40, max Cheques cancellation Flat BGN 60 + actual cost Note: *The services per this chapter are provided only to clients who have active credits at the moment of presentation of the cheque at the Bank s counters. **The Bank collects the commissions per this chapter plus the courier fees at the moment of presentation of the cheque at the Bank s counters. Additional of BGN 70 per item (for covering the correspondents ) is blocked on the customer s account. ***In addition to the fees in this chapter, the Bank shall collect from the customers all courier expenses for sending cheques. ****Additional correspondent bank will be applied, if any. 7. INTERNET BANKING 7.1. Registration fee for companies and Individuals Free of charge 7.2. Monthly fees for companies and individuals Monthly fee for performing transactions secured by one-time password delivered by SMS Free of charge to customer s mobile phone Companies Monthly fee for performing transactions secured by one-time password delivered by SMS Free of charge to customer s mobile phone Individuals 7.3. Annual fees companies and individuals Annual fee for performing transactions secured by one-time password from e-token BGN 25 + VAT per device device Companies Annual fee for performing transactions secured by one-time password from e-token BGN 20 + VAT per device device Individuals Note: Customers that pay annual fee for performing transactions secured by one-time password from e-token device are registered for the additional security delivered by SMS to a mobile phone free of charge. 7.4 Fee for replacement of e-token device due to loss, theft or damage caused by the customer BGN 50 + VAT 8. MOVEMENT ACCOUNT SERVICES Service BGN EUR USD other FC 8.1. Account opening fee Free of charge Free of charge Free of charge Free of charge Fee for opening of company account Piraeus Express Business BGN 20 BGN 20 BGN 40 BGN Fee for opening of individual s saving account Piraeus Fair Play BGN 2 BGN 2 n/a n/a One-off fee for opening of joint account BGN 10 BGN 10 BGN 10 BGN One-off fee for opening saving account Autonomy for individuals BGN 5 BGN 5 BGN 5 n/a 8.2. Account maintenance fee monthly for individuals BGN 1 BGN 1 BGN 1 BGN Account maintenance fee monthly for companies BGN 8 BGN 10 BGN 10 BGN 10 Note: Account maintenance fee is not due by individuals who receive their salaries on accounts held with the Bank 8.4. Minimum balance required for individuals in all currencies BGN 5 EUR 5 USD 5 The equivalent of 5 currency units 8.5. Minimum balance required for companies BGN 20 EUR 50 USD 50 BGN Mail Boxes/ Hold mail BGN 10+VAT on annual basis BGN 10+VAT on annual basis BGN 10+VAT on annual basis BGN 20 +VAT on annual basis 8.7. Account statement - Mail abroad Real cost Real cost Real cost Real cost 8.8. Account closing fee Free of charge Free of charge Free of charge Free of charge 8.9. Special account for registration of capital - opening fee BGN 10 BGN 10 BGN 10 not offered Monthly account maintenance fee for saving and deposit accounts Free of charge Free of charge Free of charge Free of charge Monthly maintenance fee for joint accounts BGN 5 EUR 5 USD 5 The equivalent

7 Terms and Conditions of Piraeus Bank Bulgaria AD 7 / 23 of 5 currency units Monthly maintenance fee for accounts in OraSyS BGN 5 n/a n/a n/a Fee for closing saving account Autonomy + for individuals BGN 25 BGN 25 BGN 25 n/a Note: The Bank does not offer saving accounts for companies Distraint servicing fee for Individuals BGN 10 or equivalent in foreign currency for companies BGN 50 or equivalent in foreign currency 9.1. Cash Withdrawals Cash withdrawals individuals with written notice Cash withdrawals - companies with written notice 9. CASH TRANSACTIONS Service BGN EUR USD other FC Over 2000 BGN-0.4% on max. BGN 800 Over 2000 BGN-0.35% on max. BGN Withdrawals without written notice - if it is possible For individuals Over 2000 BGN-0.5% on without max., For legal entities Over 2000 BGN-0.5% on without max., Not-withdrawals of an, announced with a written notice of a cash withdrawal Cash withdrawals from term deposits On a maturity date or on the first following working day in case that the maturity date is a non-working day 0.5% on the without max. Over 2000 EUR-0.4% on max. BGN 800 Over 3000 EUR-0.4% on max. BGN 800 Over 2000 EUR-0.6% on without max., Over 3000 EUR-0.6% on without max., 0.5% on the without max. Over 2000 USD- 0.4% on max. BGN 800 Over 3000 USD- 0.4% on max. BGN 800 Over 2000 USD- 0.6% on without max., Over 3000 USD- 0.6% on without max., 0.5% on the without max. For other FC - 0.7% on the max. BGN 1000 for other FC - 0.7% on the max. BGN % on the without max. 0.7% on the without max. 0.7% on the without max. Free of charge Free of charge Free of charge Free of charge On non-maturity day As per point or or here above Note: For cash withdrawals of s exceeding the indicated above, a written notice should be submitted one business day in advance, but not later than 15:00 h Fee for cash withdrawals with other banks debit cards (BORICA, MAESTRO, VISA ELECTRON) on POS terminal of PBB Fee for cash withdrawals with other banks credit cards (VISA, MASTERCARD) on POS terminal of PBB 9.2. Cash Deposits Value date for cash deposits Same day Same day value value Cash deposits - individuals Over 3000 BGN-0.1% on max. BGN Cash deposits - companies - non sorted notes Over 2000 BGN-0.3% on max. BGN Cash deposits - companies - sorted notes Over 2000 BGN-0.1% on max. BGN Cash deposits from companies and individuals sorted coins Cash deposits from companies and individuals non sorted coins 2.5% on the, min. BGN 2 4% on the, min. Over 2000 EUR-0.2% on max. 300 BGN Over 3000 EUR-0.5% on max. 600 BGN Over 3000 EUR-0.2% on max. 300 BGN 1.5%, min. BGN 5 3%, min. BGN 10 Same day value Over 2000 USD- 0.2% on max. BGN 300 Over 3000 USD- 0.5% on max. BGN 600 Over 3000 USD- 0.2% on max. BGN 300 Next day value For other FC - 0.7% on the max. BGN % on the max. BGN % on the max. 600 BGN

8 Terms and Conditions of Piraeus Bank Bulgaria AD 8 / 23 BGN Cash deposits for term deposits Free of charge Free of charge Free of charge Free of charge Cash deposits to saving account Autonomy + for individuals Free of charge Free of charge Free of charge n/a Note: Cash deposits /companies and individuals/for repayment of credit facilities are free of charge. Note: The value date of operation for cash deposits in foreign currency is the same day if the repayment of credit in foreign currency is concerned and the maturity date of that credit is the current working day. Note: The limits for cash deposits and withdrawals are defined on a daily basis. For any excess over the daily limits defined herein, the fees and commissions envisaged in this chapter shall be applied Coins and banknotes Counting and exchange of coins for banknotes BGN-5.0% on not offered not offered not offered without max Processing, counting and exchange of banknotes not intended to be deposited to the bank accounts 5,00% on the, min BGN 10 5,00% on the, min BGN 10 5,00% on the, min BGN 10 not offered Cash collection with a cash collection vehicle subject to negotiation Еchange of damaged and unfit banknotes Immediate exchange 3,00% on the Subsequent exchange 3,0% on the plus postal / courier subject to negotiation subject to negotiation subject to negotiation 10,00% on the 10,00% on the 10,00% on the Not offered Not offered Not offered Note: The Immediate exchange of damaged and unfit banknotes in foreign currency shall be made at the Bank s discretion only Exchange of foreign currency Foreign exchange cash operations executed after 17:00 h in the regular business days and in nonworking days /including weekends and official holidays/. 10. ISSUING OF REFERENCES AND CERTIFICATES Bank reference in Bulgarian language BGN 30 + VAT Bank reference in foreign language BGN 80 + VAT Bank certificate in Bulgarian language BGN 15 + VAT Bank certificate in foreign language BGN 30 + VAT Bank certificate with confirmation of the account balance BGN 20 + VAT Bank confirmation of the account balance for financial institutions BGN VAT Audit confirmation fee BGN VAT Bank certificate for existence / lack of credit obligations on any loan product for individuals, excluding mortgage loans BGN 35 + VAT Bank certificate for existence / lack of credit obligations on mortgage loans BGN 50 + VAT Letter of commitment related with loan product for individuals BGN VAT BGN SAFE BOXES Size 1 month 3 months 6 months 1 year Safe Box - size 60 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box - size 70 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 75 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 80 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 90 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 95 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 100 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 120 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 150 mm BGN 40+VAT BGN 50+VAT BGN 60+VAT BGN 120+VAT Safe Box size 180 mm BGN 70+VAT BGN 85+VAT BGN 100+VAT BGN 200+VAT Safe Box size 200 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT Safe Box size 250 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT Safe Box size 280 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT Safe Box size 290 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT

9 Terms and Conditions of Piraeus Bank Bulgaria AD 9 / Safe Box size 300 mm BGN 70+VAT BGN 85+VAT BGN100+VAT BGN 200+VAT Safe Box size 360 mm BGN100+VAT BGN120+VAT BGN 140 +VAT BGN 280+VAT Safe Box size 368 mm BGN100+VAT BGN120+VAT BGN 140 +VAT BGN 280+VAT Safe Box size 400 mm BGN125+VAT BGN150+VAT BGN175+VAT BGN350+VAT Safe Box size 450 mm BGN125+VAT BGN150+VAT BGN175+VAT BGN350+VAT Safe Box size 500 mm BGN180+VAT BGN225+VAT BGN250+VAT BGN500+VAT The lease payment includes 1 /one/ free of charge visit in the vault premises per week. For each extra visit an additional fee of BGN 5 + VAT shall be collected Penalty in case the safe box is not released and the lease for the next period is not paid Doubled of the lease price in proportion for each day of delay considered as from the day following the date of expiry of the term of agreement up to the date of signing a new safe box lease agreement or up to the date of release of the safe box Note: The lease shall be paid in advance at the time of signing of the Agreement or renewal through an account previously opened with the Bank under the name of the Lessee. 12. DOCUMENTARY OPERATIONS AND BANK GUARANTEES DOCUMENTARY /CLEAN COLLECTIONS Collections are handled in accordance with the ICC Uniform Rules for collections of the International Chamber of Commerce in Paris and legislation requirements currently in force Documentary collections means collection of: 1. Financial documents accompanied by commercial documents 2. Commercial documents not accompanied by financial documents Clean collection means collection of financial documents not accompanied by commercial documents. Note: Cheques and bank drafts are not subject of this chapter and are covered by chapter Cheques Received Documentary/Clean Collections Documents against acceptance 0.25% (min. BGN 100, max. BGN 600) Documents against payment 0.2% (BGN 80, max. BGN 500) Documents Free payment 0.15% (min. BGN 100, max. BGN 250) Release of documents covering delivery of goods consigned to the Bank after BGN 100 payment or acceptance Amendment of any collection instructions BGN Analyzing of financial documents: Secured with cash 0.2% per quarter or part thereof (min. BGN 100) Secured with other collateral By arrangement (per quarter or part thereof) Payment (with value date two business days after receipt of instructions within the cur-off times and conditions stipulated in chapter Miscellaneous ) 0.1% (min. BGN 20, max. BGN 100) plus Payment with shorter value date 0.2% (min. BGN 40, max. BGN 200) plus Advice of non-payment/non-acceptance tracers BGN Return of unpaid documents BGN 60 plus postal/courier Query, tracer, other correspondence (upon request) BGN 50 plus Maturity control for deferred payment 0.1% per quarter or part thereof (min BGN 60, max. BGN 300) Safe keeping of accepted financial documents after maturity pending instructions 0.1% per quarter or part thereof (min BGN 40, max. BGN 200) Safe-keeping of unclaimed, unaccepted documents (after one month from presentation) BGN 40 per month or part thereof Transfer of collection to another bank BGN 60 plus postal/courier Note: The Bank does not undertake to protest in case of non-payment or non-acceptance Sent Documentary/Clean Collections Documents against acceptance or payment 0.25% (min. BGN 100, max. BGN 600) plus postal/courier

10 Terms and Conditions of Piraeus Bank Bulgaria AD 10 / Documents Free of payment 0.15% (min. BGN 100, max. BGN 250) plus postal/courier Amendment of any collection instructions BGN 80 plus communication/courier Payment 0.1% (min. BGN 10, max. BGN 100) Claims for non-payment, query, tracer, other correspondence (upon request) BGN 50 plus Photocopy of the documents for the bank files (if not presented by the Client) as per point Surcharge for urgent processing (upon request) BGN DOCUMENTARY CREDITS Documentary credits are handled in accordance with the ICC Uniform Customs and Practice for Documentary credits of the International Chamber of Commerce in Paris and legislation requirements currently in force The commissions and fees for Documentary Credits apply for conditional payments, documentary guarantees (guarantees with characteristics of Documentary Credit) and standby letters of credit. Issuing, revolving, increase and/or extension of Documentary Credits is subject to prior approval by the competent bank authorities Issued Documentary Credits Pre-advice BGN 100 plus Issuing: 1. Secured with cash 0.25% per quarter or part thereof (min. BGN 100) plus communication 2. Secured with other collateral By arrangement Note: The commission shall be collected upon issue of the Documentary Credit on the whole for the whole period of validity and the collected commission is not refundable in case of cancellation or if the Documentary Credit expires unutilized. For Documentary Credits with allowed tolerance in, the commission shall be calculated on the maximum (Documentary Credit plus of the allowed tolerance) Handling and payment (for each set of documents) 0.1% (min. BGN 50) plus Amendment (excluding increase of and/or extension of validity) BGN 80 plus Increase of issuing commission on the of the increase for the whole remaining period of validity plus Extension of the validity 1. Within the quarter for which the commission has been collected BGN 80 plus 2. For a new quarter or part thereof issuing commission on the actual plus Revolving Issuing commission on the revolving for the whole new period of validity Discrepancy fee (for each set of discrepant documents) BGN 100 plus Cancellation before expiry BGN 100 plus Deferred payment/acceptance (for the period after expiry of validity) 0.1% per month or part thereof (min BGN 100) Arrangement of confirmation by another bank (additionally to issuing commission) By arrangement (min. BGN 100) plus commission Surcharge for quick processing (upon request) BGN Surcharge for urgent processing (upon request) BGN Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. By arrangement (min. BGN 50) SWIFT/telex for issue of Documentary Credit BGN SWIFT/telex for pre-advise, amendment, request for cancellation, conditional BGN 30 payment, revolving, advice of discrepancy Received Documentary credits

11 Terms and Conditions of Piraeus Bank Bulgaria AD 11 / Transmission to another bank for authentication purposes without engagement (at the request of issuing bank) BGN 60 plus Pre advice BGN Advising without adding confirmation (including advising of received transferred Documentary Credit and received Assignment of Proceeds) 0.1% (min. BGN100, max. BGN 1000) Confirmation (additionally to advising commission) By arrangement (per quarter or part thereof) Note: The commission shall be collected on the whole for the whole period of validity and the collected commission is not refundable in case of cancellation or if the Documentary Credit expires unutilized. For Documentary Credits with allowed tolerance in, the commission shall be calculated on the maximum (Documentary Credit plus of the allowed tolerance.) Advice of amendment (excluding increase of for not confirmed and increase BGN 60 of and/or extension of validity for confirmed Documentary Credits) Preliminary check of documents at the request of the client (for each presentation) BGN Second check of documents returned for collection additionally to handling and BGN 70 payment commission (for each presentation) Handling and payment (for each set of documents) 0.2% (min. BGN 100, max. BGN 2000) 0.15% (min. BGN 75, max. BGN 1000) Handling and forwarding of discrepant documents on collection basis/handling and forwarding of documents under Documentary Credits available with another bank Deferred payment /acceptance control (as from the date of sending of documents) 1. For confirmed Documentary Credits 0.1% per month or part thereof (min. BGN 100, max. BGN 500) 2. For not confirmed Documentary Credits BGN Negotiation/discounting By arrangement Transfer of transferable Documentary Credits 1. Adding confirmation By arrangement (per quarter or part thereof) 2. Without adding confirmation 0.2% (min. BGN 100) Assignment of proceeds 0.15% (min. BGN 100) plus communication Reimbursement claim BGN 20 plus Cancellation before expiry BGN Photocopy of the documents for the bank files (if not presented by the Client) BGN 0.5 per page Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. By arrangement (min. BGN 50) Surcharge for quick processing (upon request) BGN Surcharge for urgent processing (upon request) BGN BANK GUARANTEES Guarantees are handled in accordance with the respective ICC rules and legislation requirements currently in force Issuing, revolving, increase and/or extension of bank guarantee is subject to prior approval by the competent bank authorities Documentary guarantees (guarantees with characteristics of Documentary Credit ) are treated as Documentary Credits Issued bank guarantees Application fee for new limit for issuance of LG for SME clients BGN 50 for limits up to BGN ; BGN 100 for limits over BGN Note: Applications with cash collateral equal to or above 100% of the exposure will be free of charge Application fee for a new limit for issuance of LG for corporate clients Free of charge Bid bonds (participation in tenders) Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication Secured with other collateral 0.50% per quarter or part thereof (min. BGN 200) plus communication Performance bonds, payment guarantees, guarantees in favour of Bulgarian Customs Authorities, etc. Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication

12 Terms and Conditions of Piraeus Bank Bulgaria AD 12 / 23 Secured with other collateral 0.75% per quarter or part thereof (min. BGN 200) plus communication Advance payment guarantees Secured with cash 0.35% per quarter or part thereof (min. BGN 100) plus communication Secured with other collateral 0.75% per quarter or part thereof (min. BGN 200) plus communication Issue of a guarantee against a counter-guarantee By arrangement (min. BGN 200) plus Note: The commission shall be collected upon issue of the guarantee on the whole for the whole period of validity and the collected commission is not refundable upon decrease of the Bank s commitment or cancellation before expiry. For open-ended guarantees the commissions shall be collected on yearly basis Amendment (excluding increase of and extension of validity) BGN 80 plus Increase of Issuing commission on the of the increase plus communication Extension of the validity 1. Within the quarter for which the sum has been collected BGN 80 plus 2. For a new quarter or part thereof Issuing commission on the actual plus Payment 0.15% (min. BGN 100, max. BGN 1000) plus Cancellation before expiry of the validity (open-ended guarantees excluded) BGN 50 plus Surcharge for quick processing BGN Surcharge for urgent processing BGN Surcharge for additional work, complexity, consultancy (without engagement), preparation of special texts, etc. By arrangement (min. BGN 50) SWIFT/telex for issue of bank guarantee BGN SWIFT/telex for amendment, query, request for cancellation BGN Received Bank Guarantees Advice without engagement 0.1% (min. BGN 100, max. BGN 500) Advice of amendment (excluding increase of ) BGN Advice of amendment increase of Advising fee on the of the increase Claim for payment to the issuing bank ( for each claim) BGN 100 plus Payment 0.1% (min. BGN 100, max. BGN 400) Discounting/ acceptance By arrangement Assignment of proceeds/beneficiary s rights 0.15% (min. BGN 100) Transmission to another bank for authentication purposes without engagement (at the request of issuing bank BGN 60 plus Verification of authenticity of guarantee received directly by the beneficiary (upon beneficiary s request) BGN 60 plus SWIFT for queries, advice of reduction or release, verification of authenticity, BGN 30 transmission to another bank, etc Verification of authenticity and authorized signatures of Client s claim which will be sent by the Client directly to the issuing bank (upon request) BGN 50 plus Cancellation of Claim to the issuing bank on behalf of the Client BGN 50 plus Note: Received bank guarantees in favour of the Bank (and accepted by the Bank) as security for credit facility are free of charge for the client DOCUMENTARY OPERATIONS MISCELLANEOUS Cut-off times and terms of execution Applications, orders, instructions, documents presented until 15:30 will ce considered as presented on the day of presentation (after 15:30 will be considered as presented on the next working day) and terms of execution will start to count from this day only

13 Terms and Conditions of Piraeus Bank Bulgaria AD 13 / 23 under the condition that they are thoroughly completed, fully comly with the requirements of the legislation in force, the collaterals (if required) are provided and the Client has enough funds for performing the transaction and the payment of the due fees and commissions. In case either of the above conditions is not fulfilled, the terms of execution will not start to count. Consequently as day of presentation will be considered the day of full completion of the conditions stipulated and the terms will start to count as of this day Standard processing of application for issue, amendment of Documentary Credit or 16 working hours Guarantee Quick processing of application for issue, amendment of Documentary Credit or 12 working hours Guarantee Urgent processing of application for issue, amendment of Documentary Credit or 6 working hours Guarantee Standard checking of presented documents under received Documentary Credit 36 working hours Quick checking of presented documents under received Documentary Credit 24 working hours Urgent checking of presented documents under received Documentary Credit 12 working hours Standard processing of Collection instruction 16 working hours Urgent processing of Collection instruction 8 working hours Value Dates For incoming payments under documentary operations in foreign currency One business day after receipt of the funds by the bank For outgoing payments under documentary operations in foreign currency Two business days after receipt of instructions (within cut-off times and conditions stipulated) For incoming payments under documentary operations in BGN Date of receipt of the funds by the bank For outgoing payments under documentary operations in BGN One business day after receipt of instructions (within cut-off times and conditions stipulated) For internal payments under documentary operations Value date is the date of transaction Note 1: The value date for outgoing payments are applicable only if the payment is instructed by the Client (under Collection, accepted for payment discrepant documents, etc.) and no other engagement is undertaken by the bank (in issued Documentary Credit or Guarantee, availed financial document, etc.). Note 2: Business day means: Bulgarian and currency of transaction business days. Note 3: Shorter value date means: the same day or next business day after receipt of instructions ( within the cut-off times and conditions stipulated) and depends on the business days ( as specified above) and cut-off times of the correspondent banks and the banking system Communication and other SWIFT/telex for all cases not specified explicitly above BGN Courier 1. For Bulgaria Actual costs (min BGN 4) + VAT 2. For abroad Actual costs + VAT Postal 1. For Bulgaria Actual costs (min. BGN 4) + VAT 2. For abroad Actual costs (min BGN 8) + VAT For services related with Documentary Operations rendered by (upon request) 1. For Bulgaria BGN 2 per message 2. For abroad BGN 5 per message For services related with Documentary operations rendered by fax 1. For Bulgaria BGN 2 per page 2. For abroad BGN 5 per page Photocopy of documents related with Documentary operation from the current year BGN 2 per page + VAT (within 1 working day after written request) Photocopy of documents related with Documentary Operation from previous years ( BGN 3 per page + VAT within 5 working days after written request) Test key providing /Test key verification (related with Documentary operation) BGN GENERAL PROVISIONS For each service provided, the tariff valid on the day of performing of the service shall be applied The stated terms of execution specify the latest term. In case of earlier execution the Client will not be charged additionally. The terms may be extended by the Bank in case of force majeure circumstances. The Bank shall

14 Terms and Conditions of Piraeus Bank Bulgaria AD 14 / 23 not be held liable for any delays in the performance or non-performance of the services if the delay or non-performance was due to circumstances or reasons beyond the control of the Bank The commissions and fees under Documentary Operations are collected at the time of performance of the service and are due even if it is not utilized. Collected fees and commissions are not refundable The fees and commissions of other banks and other fees which have originated in the process of execution of the order of the Client, will be charged to the Client according to the actual cost. The Bank shall be entitled to collect the due fees and commissions from the Client provided that the Client s instructions do not indicate whom they are chargeable to, or provided that it is specified that they are chargeable to the beneficiary, but the Bank has failed to collect them from the latter. 13. BANK CARDS Domestic Debit Card Borica Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Debit card maintenance monthly fee BGN ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.15 on ATM of other bank BGN Cash withdrawals on electronic POS terminal device on POS of PIRAEUS BANK - for s up to BGN 3000 BGN for s above BGN 3000 BGN % on the on POS of other banks BGN Purchase of goods and services on POS terminal Free of charge Payment of utilities on ATM terminal BGN Funds transfer between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN Balance inquiry on ATM Free of charge Mini statement on ATM BGN Blocking of a card by customer request Free of charge Card deactivation BGN Ungrounded claim of a transaction BGN Changing of card parameters or limits Free of charge Minimum balance requested on card account BGN International debit cards Maestro Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Debit card maintenance monthly fee BGN ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.30 on ATM of other banks in Bulgaria BGN 1.00 on ATM of other banks abroad BGN % Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: - for s up to BGN 3000 BGN for s above BGN 3000 BGN ,2% on the on POS of other banks in Bulgaria BGN 0.25 on POS of other banks abroad BGN % on POS at merchant side (Cash back) BGN Purchase of goods and services on POS terminal Free of charge Payment utilities on ATM terminal BGN Funds transfers between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN Balance inquiry on ATM Free of charge Mini statement on ATM BGN 0.50

15 Terms and Conditions of Piraeus Bank Bulgaria AD 15 / Blocking of a card by customer request Free of charge Card deactivation by customer request BGN Ungrounded claim of a transaction BGN Changing of card parameters or limits Free of charge Minimum balance requested on card account BGN on card account Payroll BGN SMS alerts subscription fee* BGN Receiving a card and a PIN code in other branch BGN Currency conversion fee for transaction abroad 0.5 % on *Note: The fee for each SMS alert is according to the service provider s tariff International debit cards VISA Electron Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Debit card maintenance annual fee BGN ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.30 on ATM of other banks in Bulgaria BGN 1.00 on ATM of other banks abroad BGN % Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: BGN 0.60 on POS of other banks in Bulgaria BGN 0.60 on POS of other banks abroad BGN % Purchase of goods and services on POS terminal Free of charge Balance inquiry on ATM BGN Ungrounded claim of a transaction BGN Minimum balance required on current account BGN on saving account Payroll BGN Receiving a card and a PIN code in other branch BGN Alerts for transactions with the card: per SMS alert BGN 0.06 per alert BGN Currency conversion fee for transaction abroad 0.5 % on International credit cards MasterCard Standard/VISA Classic Issuing of bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Credit card maintenance annual fee per BGN Annual maintenance fee per additional card BGN ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN Purchase of goods and services on POS terminal Free of charge Balance inquiry on ATM BGN Blocking of a card by customer request Free of charge Card deactivation by customer request annual fee Ungrounded claim of a transaction BGN New PIN generation BGN Changing of card parameters or limits 0.95% from the approved credit limit % from the over limit Penalty fee over limit transactions Arbitration BGN Monthly statement on paper BGN 1.00 via BGN For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff Receiving a card/pin code in other branch BGN 10

16 Terms and Conditions of Piraeus Bank Bulgaria AD 16 / Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years Currency conversion fee for transaction abroad 1 % on International credit cards MasterCard Gold/VISA Gold Issuing of bank card : standard issuing - up to 10 working days Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Annual maintenance fee per card BGN Annual maintenance fee per additional card BGN ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN Purchase of goods and services on POS terminal Free of charge Balance inquiry on ATM BGN Blocking of a card by customer request Free of charge Card deactivation by customer request annual fee Ungrounded claim of a transaction BGN New PIN generation BGN Changing of card parameters or limits 0.95% from the approved credit limit Penalty fee over limit transactions 5% from the over-limit Arbitration BGN Monthly statement on paper BGN 1.00 via BGN Receiving a card/pin code in other branch BGN Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years Currency conversion fee for transaction abroad 1 % on For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff International credit cards MasterCard Business / VISA Business Issuing of bank card : standard issuing - up to 10 working days BGN 30 issue of additional card to a primary card BGN Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Annual maintenance fee per card BGN ATM cash withdrawals: on ATM of PIRAEUS BANK 1.5% min. BGN 6 on ATM of other banks in BG & abroad 1.5% min. BGN Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 10 on POS of other banks in BG & abroad 3.0% min. BGN Purchase of goods and services on POS terminal Free of charge Balance inquiry on ATM BGN Blocking of a card by customer request Free of charge Card deactivation by customer request annual fee Ungrounded claim of a transaction BGN New PIN generation BGN Changing of card parameters or limits 0.95% from the approved credit limit Penalty fee over limit transactions 5% from the overlimit Arbitration BGN Monthly statement on paper BGN 1.00 via BGN Receiving a card/pin code in other branch BGN 10

17 Terms and Conditions of Piraeus Bank Bulgaria AD 17 / Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years Currency conversion fee for transaction abroad 1 % on For additional services offered by VISA International and MasterCard International - as per the VISA International Tariff and MasterCard Tariff Charity cards Piraeus UNICEF Charity credit cards Piraeus UNICEF Issuing of bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Maintenance monthly fee per main card BGN Maintenance monthly fee per additional card BGN ATM cash withdrawals: on ATM of PIRAEUS BANK 3% min. BGN 5 on ATM of other banks in BG & abroad 3% min. BGN Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: 3.0% min. BGN 8 on POS of other banks in BG & abroad 3.0% min. BGN Purchase of goods and services on POS terminal Free of charge Balance inquiry on ATM BGN Blocking of a card by customer request Free of charge Card deactivation by customer request annual fee Ungrounded claim of a transaction BGN New PIN generation BGN Changing of card parameters or limits 0.95% from the approved credit limit Penalty fee over limit transactions 5% from the over limit Arbitration BGN Monthly statement on paper BGN 1.00 via BGN Receiving a card/pin code in other branch BGN Retrieval of printed statement BGN 2 per statement per current calendar year BGN 5 per statement per precedent years Currency conversion fee for transaction abroad 1 % on Charity debit cards Piraeus UNICEF Issuing of a bank card : standard issuing - up to 10 working days Free of charge issue of additional card to a primary card Free of charge Renewal due to card expiration period Free of charge Re-issue of a card in case of damage, loss, larceny or customer request BGN Debit card maintenance monthly fee BGN ATM cash withdrawals: on ATM of PIRAEUS BANK BGN 0.00 on ATM of other banks in Bulgaria BGN 0.00 on ATM of other banks abroad BGN % Cash withdrawals on electronic POS terminal device: on POS of PIRAEUS BANK: - for s up to BGN 3000 BGN for s above BGN 3000 BGN ,2% on the on POS of other banks in Bulgaria BGN 0.25 on POS of other banks abroad BGN % on POS at merchant side (Cash back) BGN Purchase of goods and services on POS terminal Free of charge Payment utilities on ATM terminal BGN Funds transfers between bank accounts on ATM Funds transfer card account-current account BGN 0.25 Intra/inter-bank funds transfer BGN Balance inquiry on ATM Free of charge Mini statement on ATM BGN Blocking of a card by customer request Free of charge Card deactivation by customer request BGN 1

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