CHANGES IN FEES AND COMMISSIONS FOR INDIVIDUAL CLIENTS as of

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1 CHANGES IN FEES AND COMMISSIONS

2 BANK CARDS BANK CARDS MONTHLY MAINTENANCE Credit card TheONE 4.90 BGN 2.45 EUR 4.15 BGN 2.08 EUR Credit card TheONE with SMART package 3.92 BGN 1.96 EUR 3.32 BGN 1.66 EUR Credit card TheONE Gold 7.90 BGN 4.15 EUR 7.50 BGN 3.75 EUR Credit card TheONE Gold with SMART package 6.32 BGN 3.32 EUR 6.00 BGN 3.00 EUR Credit card with non-declining balance MasterCard Gold and debit card MasterCard Gold 4.90 BGN 2.55 EUR/USD 4.75 BGN 2.38 EUR/USD Debit Debit МasterCard PayPass, Maestro, Visa Electron 0.79 BGN 0.39 EUR/USD 0.77 BGN 0.39 EUR/USD Credit card with deferred debit MasterCard 4.20 BGN 2.15 EUR/USD 4.15 BGN 2.08 EUR/USD Credit card with deferred debit MasterCard Gold 7.90 BGN 4.15 EUR/USD 7.50 BGN 3.75 EUR/USD Debit card Visa Infinite BGN EUR/USD BGN EUR/USD Debit card Visa Infinite additional BGN EUR/USD BGN EUR/USD Credit card Visa Infinite BGN EUR/USD BGN EUR/USD Credit card Visa Infinite additional BGN EUR/USD BGN EUR/USD

3 BANK CARDS BANK CARDS ANNUAL MAINTENANCE Credit card TheONE BGN EUR BGN EUR Credit card TheONE with SMART package BGN EUR BGN EUR Debit Debit МasterCard PayPass, Maestro, Visa Electron 8.90 BGN 4.60 EUR/USD 9.24 BGN 4.68 EUR/USD Debit card VPay BGN 7.45 EUR/USD BGN 7.80 EUR/USD Credit card with non-declining balance MasterCard Standard and debit card MasterCard Credit card with non-declining balance MasterCard Gold and debit card MasterCard Gold BGN EUR/USD BGN EUR/USD BGN EUR/USD BGN EUR/USD Credit card with deferred debit MasterCard Standard BGN EUR/USD BGN EUR/USD Credit card with deferred debit MasterCard Gold BGN EUR/USD BGN EUR/USD Credit card TheONE Gold BGN EUR BGN EUR Credit card TheONE Gold with SMART package BGN EUR BGN EUR Debit card Visa Infinite BGN EUR/USD BGN EUR/USD Debit card Visa Infinite additional BGN EUR/USD BGN EUR/USD Credit card Visa Infinite BGN EUR/USD BGN EUR/USD Credit card Visa Infinite additional BGN EUR/USD BGN EUR/USD

4 BANK CARDS Personal design, monthly maintenance 0.84 BGN 0.42 EUR/USD 0.80 BGN 0.40 EUR/USD Personal design, annual maintenance 9.00 BGN 4.50 EUR/USD 9.60 BGN 4.80 EUR/USD Card design from catalogue, monthly maintenance 0.30 BGN 0.14 EUR/USD 0.30 BGN 0.15 EUR/USD Incoming transfers on POS abroad 0.50% 0.90% withdrawal at ATM of another bank in the country with any type of debit and credit with non-declining balance withdrawal at ATM of Societe Generale Expressbank with credit TheONE, TheONE Gold, deferred debit MasterCard Standard and MasterCard Gold and credit Visa Infinite withdrawal at ATM of another bank in the country with credit TheONE, TheONE Gold, deferred debit MasterCard Standard and MasterCard Gold, credit Visa Infinite 0.89 BGN 0.45 EUR/USD 0.99 BGN 0.50 EUR/USD 2.00 BGN 1.00 EUR 3.00 BGN 1.50 EUR 3.00 BGN 1.50 EUR 4.00 BGN 2.00 EUR

5 CASH OPERATIONS Deposit by a trird party to individual s account at Societe Generale Expressbank up to 3000 BGN or equivalence Free of charge 1.00 BGN Deposit by a trird party to individual s account at Societe Generale Expressbank over 3000 BGN or equivalence, over the excess 1% (min 5 BGN) 1 BGN + 1% (min 5 BGN) TRANSFERS Standing order intrabank transfer 0.30 BGN 0.45 BGN Standing order interbank transfer 0.60 BGN 0.90 BGN

6 SAVING ACCOUNTS Monthly maintenance for account, Family, Horizons, New horizons for customers without a current account * Monthly maintenance for account, Family, Horizons, New horizons for customers using a current account * Free of charge Free of charge 0.99 BGN Free of charge Monthly maintenance for all types of saving (excl. child s account) with average daily balance during the last 3 months equal or less than 30 BGN or equivalent 1.79 BGN 0.99 BGN * Monthly maintenance fee is to be applied to saving of customers whose current account is only servicing a term deposit.

7 SAFE KEEPING Small box for 12 months BGN BGN Middle box for 12 months BGN BGN Big box for 12 months BGN BGN

8 CONSUMER LOANS Renegotiation and restructuring BGN BGN BGN Renegotiation and restructuring over BGN BGN BGN

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