TARIFF FEES AND COMMISSIONS

Transcription

1 TARIFF FEES AND COMMISSIONS Corporate Clients Effective as of ALL IN Business Packages E-banking Other

2 TRANSFERS AND PAYMENTS PAYMENTS BGN Foreign currency PAYMENTS BGN Foreign currency Outgoing intrabank transfers manual transfer 1.50 BGN 4 EUR transfer through SoGe Net / BankOn Web / Pro 0.40 BGN 1.50 EUR Outgoing interbank transfers manual transfer, in BGN manual transfer in EUR (SEPA) manual foreign currency transfer SWIFT transfer through SoGe Net / BankOn Web / Pro in BGN transfer in EUR (SEPA) through SoGe Net / BankOn Web / Pro transfer in foreign currency SWIFT through SoGe Net / BankOn Web / Pro 3 BGN 0.90 BGN 0.15% (min. 50 BGN, max. 600 BGN) 0.15% (min. 50 BGN, max. 600 BGN) 0.12% (min. 36 BGN, max. 600 BGN) 0.12% (min. 36 BGN, max. 600 BGN) Incoming transfers intrabank interbank Outgoing urgent trransfers 0.07% (min., max. 250 BGN) RINGS manual transfers 16 BGN --- RINGS electronic transfers --- Urgent transfers in EUR (SEPA) --- doubled charges Urgent transfers SWIFT --- doubled charges SWIFT МТ101 - incoming payment order Registration feе Monthly subscription feе Manual processing of payment with former account or incorrect IBAN Investigations, cancellations and amendments 50 EUR, one time 25 EUR per account BGN 30 BGN + additional expenses 1. Outgoing interbank SEPA transfers are executed with a value date on the business day following the submission day and urgent transfers are executed same value date, applying the terms of the applicable Terms and for bank accounts and payment services for corporate clients. 2. The commissions on outgoing interbank transfers in foreign currency do not include fees of correspondent banks. For transfers with option OUR these additional fees are collected from the ordering customer s account. 3. For transfers with option SHA and BEN the fees of are deducted from the amount of the transfer. in EUR with option SHA to beneficiaries in EU countries are free of correspondent banks commissions. The costs for all transfers in EUR (incoming and outgoing) initiated by the banks in Single Euro Payments Area (SEPA) are always SHA. 4. The costs of all transfers (incoming and outgoing) in any currency, initiated by banks in the European Economic Area (EEA) are always SHA. 5. For outgoing transfers in USD with option OUR the clients shall pay the following fees: - in case the commisions of the transfer do not exceed 50 USD - fee at the amount of 25 USD; - in case the commissions of the transfer exceed 50 USD - fee amounting to 25 USD + the amount above 50 USD This service is offered due to a common practice in USA, where the American banks collect their fees from the amount of the payment despite the written in the payment order instruction by the ordering customer all expenses to be charged to him. The additional clause guarantees that the full amount of the payment order will be received by the beneficiary. 6. Commissions on incoming transfers in foreign currencies are collected from the beneficiary s account only in case the transfer is received with option of charges SHA or BEN. 7. The return of an incoming transfer in foreign currency as per beneficiary s request is considered to be an outgoing customer transfer. 8. Outgoing transfer in foreign currency which has been returned not at the fault of the Bank is considered to be an incoming customer transfer. 9. Commissions on the transfers in foreign currency are including the SWIFT charges. 10. For MT 101- transfers fees for single payment orders as per the Tariff are applicable. 11. Each payment in a multiple payment order is charged separately, according to the fees for a single outgoing transfer. Other

3 TRANSFERS AND PAYMENTS PERMANENT ORDERS AUTOMATIC UTILITY PAYMENTS Subscription fee, annually Monthly maintenance fee 1 BGN Execution fee - intrabank payment 0.40 BGN Execution fee, per transaction 0.25 BGN Execution fee - interbank payments 0.90 BGN SMS fee Penalty fee in case of cancellation due to insuffcient provision on the customer s account Cancellation of the subscription 2 BGN Message sent from the bank, per message Message sent to the bank 0.15 BGN as per the tariff of the mobile operator DIRECT DEBIT ORDERS MANAGEMENT AND PROCESSING OF MASS PAYMENTS Subscription fee, annually Outgoing interbank transfers Request for direct debit - intrabank through SoGe Net / BankOn Web / Pro 0.40 BGN presented in written form 2.50 BGN per item Execution fee against request for direct debit - intrabank payment 1 BGN through BankOn Web Pro/SoGe Net 0.70 BGN per item Request for direct debit - interbank through SoGe Net / BankOn Web / Pro 0.90 BGN Outgoing intrabank transfers Execution fee against request for direct debit - interbank payments 2 BGN presented in written form 1.50 BGN per item Fee in case of cancellation of a payment 2 BGN through BankOn Web Pro/SoGe Net Cancellation of the subscription 2 BGN Additional fee for processing of file, presented via per file The files for mass payments sent via s should be duly signed by qualified electronic signature, the certificate for which is issued by one of the authorized suppliers of such type of certification services, according to the Act for the electronic document and electronic signature (AEDES). Other

4 ALL IN BUSINESS PACKAGES ALL IN BUSINESS PACKAGES ALL IN Business ALL IN Economy Monthly fee BGN 22 I EUR 11 BGN 15 I EUR 7.50 Current account /BGN, EUR or USD/ Daily statements via BankOn Web Pro Monthly statements Debit card MasterCard Business/ Visa Business Gold Debit card MasterCard Business/ Visa Business/ Visa Gold BankOn Web Pro BankOn Web/ BankOn Web Pro BankOn SMS Comfort Business Insurance Travel Insurance Outgoing interbank payments BISERA and intrabank payments in BGN, via BankOn Web Pro at preferential conditions Cancelation fee* Comfort Business Insurance International Business Debit Card The package is offered to clients and/or related parties with annual sales income up to BGN , according to their last Annual Financial Report. * Except during the 1st and the 12th month of the subscription. 6 BGN I 3 EUR 25 BGN I 13 EUR E-BANKING E-BANKING PRO BUSINESS Мonthly fee 2 BGN 12 BGN 1 BGN, + 20% VAT token - one-time, + 20% VAT 12 BGN 12 BGN - - mtan SMS message, sent from the bank 0,15 BGN single payment of utilities - - fee for generated message, + 20% VAT - - 0,15 BGN - maintenance intervention on-site, + 20% VAT - 30 BGN - - Other

5 CARDS POS TERMINALS Maintenance fee - annual for the principal card and for each additional card Express issuance (up to 5 days) MASTERCARD BUSINESS INTERNATIONAL DEBIT CARDS VISA BUSINESS VISA GOLD INTERNATIONAL CREDIT CARDS MASTERCARD VISA BUSINESS BUSINESS VISA GOLD 50 BGN 25 EUR/USD 75 BGN 37.5 EUR/USD 100 BGN 50 EUR/USD 150 BGN 75 EUR/USD for micro and small enterprises 150 BGN 75 EUR/USD 50 BGN 25 EUR/USD 75 BGN 37.5 EUR/USD for corporate clients 200 BGN 100 EUR/USD withdrawal at an ATM at an ATM of Societe e Expressbank 3 BGN 1.50 EUR/USD at an ATM of other bank, in the country 0.99 BGN 0.50 EUR/USD 5 BGN 2.50 EUR/USD at an ATM abroad 5 BGN + 1% 2.50 EUR/USD + 1% 8 BGN + 3% 4 EUR/USD + 3% withdrawal at POS terminal at a POS terminal of other bank, in the country 0.99 BGN 0.50 EUR/USD 5 BGN + 3% 2.50 EUR/USD + 3% at a POS terminal abroad 5 BGN + 1% 2.50 EUR/USD + 1% 8 BGN + 3% 4 EUR/USD + 3% Payments at merchants via POS terminal in the country via POS terminal abroad 0.50 BGN + 0.5% 0.25 EUR/USD + 0.5% Incoming transfers done on POS abroad 0.90% Balance enquiry at a ATM Blocking / unblocking of a card; generation of a new PIN 5 BGN 2.50 EUR/USD Change of limits upon customer request 5 BGN 2.50 EUR/USD 5 EUR/USD Interest rate for unauthorized overdraft --- BIRSGEB (basic interest rate of Societe e Expressbank AD) + 9% Late payment fee EUR/USD Travel Insurance Opening and processing of an Arbitrage procedure at MasterCard or Visa Europe 1. Micro enterprise - annual certified income from sales is less or equal to BGN Small enterprise annual income from sales is greater than BGN and less or equal to BGN Corporate client annual income from sales is greater than BGN According to the unified Tariffs of Visa Europe or MasterCard Other

6 CREDIT CARDS POS TERMINALS CARD VISUALS FEE POS TERMINALS International card MasterCard Business/Visa Business, + 20% VAT 4 BGN 2 EUR/USD Monthly rent International business bank card Visa Gold, + 20% VAT 6 BGN 3 EUR/USD POS terminal without GPRS/GSM connection, + 20% VAT 4 BGN POS with GPRS/GSM connection, + 20% VAT 8 BGN COMFORT INSURANCE Virtual POS, + 20% VAT 17 BGN Company account holder - annual premium for the first insured card 19 BGN Fee per transaction Additional cardholder, for each additional insured card after the first 15 BGN Deinstallation fee, + 20% VAT 30 BGN As of the POS terminal without GPRS/GSM connection will no longer be offered to new and existing clients of SGEB. For the existing clients using those type of POS terminal, the conditions remain unchanged. Other

7 CASH OPERATIONS CASH DEPOSITS CASH WITHDRAWALS Up to BGN or equivalence Up to BGN or equivalence 2 BGN Over BGN or equivalence, over the excess transfers deposit of funds at the account of a client of the Bank (it is charged only if the depositor is not a representative of the client) Counting coins (the fee is also applied when the deposit is within the daily limit for the account) collection 0.25% (max. 250 BGN) 1% (min. 5 BGN) 0.3% of the whole amount (min. 3 BGN) 4% Over BGN or equivalence with prior notice, over the excess Over BGN or equivalence without prior notice, over the excess Pre-noticed but not withdrawn amounts over BGN or equivalence, over the excess Withdrawals of coins (the fee is also applied when the deposit is within the daily limit for the account) 2 BGN + 0.4% (max. 500 BGN) 2 BGN + 0.6% (max BGN) 2 BGN + 0.6% (max BGN) 3% OTHER CASH SERVICES Exchange of banknotes, + 20% VAT 2% Counting or exchange of coins, + 20% VAT 4% Foreign exchange operations of non-customers 5.50 BGN 1. For withdrawals over BGN or equivalence in foreign currency daily, one-day written pre-notice is required. 2. The amounts with commissions for cash deposits up to BGN or equivalence are the daily account limit. 3. Replacement of unfit and/or damaged banknotes, as well as exchange and counting of banknotes and coins are offered only for banknotes and coins in BGN. Other

8 LOANS CREDIT PARTNER Processing fee OTHER CORPORATE LOANS Management fee, annually for the first year (for midterm loans with installments is applied only for the first year) 1.50% Management fee, annually for each following year (concerns only midterm loans with installments) 1% Pre-term repayment (investment credit and working capital loan) 5% Pre-term termination of overdraft contract 5% Renegotiation fee 0.30% on the renegotiated amount Commitment fee over the non-utilised part (due till the expiration of disbursement period) 1% Processing fee up to BGN 150 BGN from BGN to BGN 500 BGN from BGN to BGN BGN above BGN BGN Management fee, annually up to BGN Companies with annual income from sales < 5 MBGN 1.5% (min. 750 BGN) Companies with annual income from sales > 5 MBGN 1% (min. 750 BGN) above BGN Commitment fee over the non-utilised part of the loan 1% Pre-term repayment (investment credit and working capital loan) 5% Pre-term termination of overdraft contract 5% Renegotiation fee 0.30% on the negotiated amount OTHER OPERATIONS LINKED TO LOANS Mortgages preparation of documents, + 20% VAT 100 BGN release, + 20% VAT 35 BGN Pledge registered on the Central pledge register preparation and registration, + 20% VAT 35 BGN release, + 20% VAT 35 BGN Government securities as collateral pledge, + 20% VAT 35 BGN release, + 20% VAT 35 BGN Other

9 DOCUMENTARY OPERATIONS BANK GUARANTEES DOCUMENTARY COLLECTION Issued guarantees pre-advice issue of 100% cash covered guarantees, quarterly 50 BGN 0.40% (min. 100 BGN) Incoming collections collection 0.20% (min. 80 BGN, max. 500 BGN) issue of guarantees - other collateral, quarterly advising of modification in the collection terms amendments with increase of the amount and/or validity, quarterly over the increase equal to issuance fee claims cancellation of a issuance request 20 BGN protest + expenses handling of claims payment 0.15% (min. ) delivery of documents free of payment 0.10% (min. 80 BGN, max. 500 BGN) express service fee consulting or special guarantee, + 20% VAT Guarantees received advising of pre-advice advising without commitment advising of amendment confirmation or issuance of a counter guarantee handling of claims 50 BGN 0.10% (min. 100 BGN, max. 500 BGN) 65 BGN 100 BGN goods shipped to the name of Societe e Expressbank transfer of documents to another bank Outgoing collections sending of documents for collection modification in the collection instructions 0.20% (min. 40 BGN, max. 500 BGN) 0.20% (min. 80 BGN, max. 500 BGN) Endorsement of other bank or financial institution of another customers 0.25% (min. 150 BGN) claims submittance of documents free of payment 0.10% (min. 80 BGN, max. 500 BGN) 1. Commisions on communication services such as fax, SWIFT messages, etc. are collected according to the pricing in Other but without VAT. Other

10 DOCUMENTARY OPERATIONS LETTERS OF CREDIT LETTERS OF CREDIT Issued letters of credit cancellation or expiration issue of pre-advice 50 BGN checking of previously refused documents issuance or extention, quarterly 0.25% (min. 100 BGN) transfer of letter of credit 0.15% (min. 100 BGN, max. 600 BGN) amendments with increase of the amount and/or validity, quarterly 0.20% over the increase Reimbursement cancellation and other modifications sight payment deferred payment, monthly, in addition to fee on sight payment Letters of credit received advising of pre-advice advising amendments with increase of the amount, % over the increase 90 BGN 0.15% (min. 100 BGN) 0.10% (min. 100 BGN) 50 BGN 0.10% (min. 80 BGN, max. 500 BGN) 0.10% (min. 80 BGN) payment issuance of irrevocable undertaking to pay Assignment of proceeds advise payment issuance payment for issuance 0.10% (min. ) 0.15% (min., max. 600 BGN) 0.10% (min., max. 400 BGN) amendments without increase of the amount confirmation sight payment deferred payment, monthly, additionally to payment fee 80 BGN 0.175% (min. 80 BGN) 0.10% (min. 80 BGN) Conditional transfers issuance advise processing and payment 0.20% (min., max. 500 BGN) 0.05% (min., max. 500 BGN) 0.15% (min., max. 500 BGN) 1. Commisions on communication services such as fax, SWIFT messages, etc. are collected according to the pricing in Other but without VAT. Other

11 INVESTMENT PRODUCTS AMUNDI FUNDS OPERATIONS WITH SECURITIES Shares of the sub-funds of the Amundi Funds Deals with government securities on the primary market Subscription fee for every approved order 0.05% For class A shares, the subscription fee can not be less than 20 BGN / 10 EUR/ 10 USD For the sub-funds, investing in equities Class A Up to EUR/USD % Above EUR/USD % For the sub-funds, investing in equites Class I For the sub-funds, investing in bonds Class A Up to EUR/USD % Above EUR/USD % For the sub-funds, investing in bonds Class I For the sub-funds, investing in money market instruments Class А 0.10% for every rejected order Deals with government securities on the secondary market Custodian services Incoming transfer of debt securities on safekeeping with the register of Societe e Expressbank Safekeeping of Securities portfolio (annual, paid monthly on the market value of the portfolio) portfolio up to BGN + 20% VAT portfolio from BGN + 20% VAT Payment of Bulgarian government securities at maturity Central depository statement of account + 20% VAT issuance of receipt transfer of portfolio in the Central depository 0.30% (min BGN) p.a. 0.03% of the nominal value 25 BGN 25 BGN Class I Fee for conversion of shares from one sub-fund and/or class to another sub-fund and/or class Acceptance of a portfolio of securities with the Central Depository Redemption fee Fee for transfer of shares 2.00% Other

12 CURRENT ACCOUNTS AND DEPOSITS CURRENT ACCOUNTS ACCUMULATION ACCOUNTS Account opening Account opening and certificate issuance 30 BGN Monthly maintenance fee Monthly maintenance fee* 8 BGN maintenance of account with low turnover, monthly, additionally Account closing Account statements 7 BGN 20 BGN 10 EUR/USD Account closing** 30 BGN * 6 months after account opening ** Not applicable if the client opens a current account at Societe e Expressbank Monthly on paper Bi-weekly on paper 5 BGN OTHER SPECIAL ACCOUNTS Weekly or daily on paper Account opening, Maintenance fee, closing Daily statements in SWIFT format MT 940/942 TEMPO CAPITAL (SHORT-TERM DEPOSITS) OPTIMA CAPITAL (MEDIUM-TERM DEPOSITS) Account opening, maintanance fee and closing Minimum balance Penalty for pre-term withdrawal BGN EUR/USD 0.05% (min. 5 BGN) Account opening, maintanance fee and closing Minimum balance 500 BGN 500 EUR/USD * As of Deposit Tempo Capital will be no longer offered to new and existing clients of Societe e Expressbank. For the existing clients with active Tempo Capital products the conditions remain unchanged. 1. Inactive Current accounts with low turnover - accounts with monthly turnover below 250 BGN and balance below 100 BGN. 2. Interest on current accounts in BGN, EUR, USD, CHF and other foreign currencies - in accordance with Societe e Expressbank Interest Rate Bulletin 3. Other foreign currencies - standard fees and commissions. 4. Interest for unauthorized overdraft on current account - BIRSGEB (basic interest rate of Societe e Expressbank AD) + 9% Other

13 LIBERAL PROFESSIONS CURRENT ACCOUNTS BUSINESS PACKAGES ALL IN Аccount opening Monthly fee BGN I 6 EUR/USD Monthly maintenance fee 6 BGN Current account /BGN, EUR or USD/ maintenance of account with low turnover, monthly, additionally 6 BGN Monthly statements Account closing I 5 EUR/USD Debit card MasterCard Business/ Visa Business BankOn Web BankOn SMS Monthly fee 1 BGN Comfort Business Insurance Annual fee Cancelation fee* Token, + 20% VAT 12 BGN Comfort Business Insurance 6 BGN I 3 EUR/USD mtan SMS message sent from the bank 0.15 BGN per message International Business Debit Card BGN I 8.75 EUR/USD *Except during the 1-st and 12-th month of the subscribtion 1. Current accounts with low turnover - accounts with monthly turnover of 150 BGN and balance below 50 BGN. 2. For all other services not mentioned in the professions sections the Corporate clients tariff is applied. 3. For clients who have signed contract for BankOn WEB after г., the maintenance fee is charged monthly. For existing clients, the pricing conditions remain unchanged. Other

14 LIBERAL PROFESSIONS EXPERT PROGRAM EXPERT PROGRAM STANDARD LOAN Processing fee*: for credit amount up to BGN for credit amount above BGN Disbursement fee 50 BGN 100 BGN 1.25% (min. 100 BGN) Annual management fee on the outstanding principal 0.50% Partial pre-term repayment (min. amount BGN) 1% (if repaid not more than 30% of the exposure in 3 months) Pre-term repayment of more than 30% of the exposure up to the total loan amount with request for a new loan 3.00% CREDIT EXPERT NACHALO Processing fee Disbursement fee 30 BGN 1.25% (min. 100 BGN) Annual management fee on the outstanding principal 0.50% Partial pre-term repayment (min. amount BGN) 1% (if repaid not more than 30% of the exposure in 3 months) Pre-term repayment of more than 30% of the exposure up to the total loan amount with request for a new loan 3.00% without request for a new loan 5.00% OVERDRAFT Processing fee 30 BGN Management fee, annually on the authorized limit 1.50% without request for a new loan 5.00% Fee for modification of the authorized limit *The processing fee is deducted from the disbursement fee Other

15 LIBERAL PROFESSIONS Maintenance fee - annual for the principal card and for each additional card MASTERCARD BUSINESS INTERNATIONAL DEBIT CARDS VISA BUSINESS VISA GOLD INTERNATIONAL CREDIT CARDS MASTERCARD VISA BUSINESS BUSINESS VISA GOLD 35 BGN 18 EUR/USD 50 BGN 25 EUR/USD 50 BGN 25 EUR/USD 100 BGN 50 EUR/USD Express issuance (up to 5 days) 50 BGN 25 EUR/USD 75 BGN 37.5 EUR/USD 75 BGN 37.5 EUR/USD 150 BGN 75 EUR/USD withdrawal at an ATM at an ATM of Societe e Expressbank 3 BGN 1.50 EUR/USD at an ATM of other bank, in the country 0.99 BGN 0.50 EUR/USD 5 BGN 2.50 EUR/USD at an ATM abroad 5 BGN + 1% 2.50 EUR/USD + 1% 8 BGN + 3% 4 EUR/USD + 3% withdrawal at POS terminal at a POS terminal of other bank, in the country 0.99 BGN 0.50 EUR/USD 5 BGN + 3% 2.50 EUR/USD + 3% at a POS terminal abroad 5 BGN + 1% 2.50 EUR/USD + 1% 8 BGN + 3% 4 EUR/USD + 3% Payments at merchants via POS terminal in the country via POS terminal abroad 0.50 BGN + 0.5% 0.25 EUR/USD + 0.5% Incoming transfers done on POS abroad 0.90% Balance enquiry at a ATM Blocking / unblocking of a card; generation of a new PIN 5 BGN 2.50 EUR/USD Change of limits upon customer request 5 BGN 2.50 EUR/USD 5 EUR/USD Interest rate for unauthorized overdraft --- BIRSGEB (basic interest rate of Societe e Expressbank AD) + 9% Late payment fee EUR/USD Travel Insurance Opening and processing of an Arbitrage procedure at MasterCard or Visa Europe According to the unified Tariffs of Visa Europe or MasterCard Other

16 OTHER PRODUCTS AND SERVICES SAFE KEEPING Small Middle Big Lost key 24 H for 6 months, + 20% VAT 105 BGN 140 BGN 2 for 12 months, + 20% VAT BGN 420 BGN 50 BGN, + 20% VAT + expenses monthly fee, + 20% VAT OTHER SERVICES Issuance of bank reference, + 20% VAT Issuance of bank reference in foreign language, + 20% VAT Confirmation of balances on customer accounts with Societe e Expressbank audit confirmation, + 20% VAT audit confirmation for credit institutions, + 20% VAT for other purposes, + 20% VAT Other customized reports SWIFT messages subscription fee per account, monthly + 20% VAT fee per single outgoing message without subscription + 20% VAT Foreign exchange rates information subscription for daily information, monthly, + 20% VAT foreign exchange rates for past periods, + 20% VAT Consulting services, + 20% VAT Correction of proceeded operation Authentication of the client power of attorney in the Bank, + 20% VAT Checking the authenticity of bank documents and authorized signatures, + 20% VAT 1. Fee for Authentication of the client power of attorney in the Bank is collected only in case Bank Power of Attorney replace the notary one. 2. Safe boxes are only available to customers of Societe e Expressbank 50 BGN 75 BGN 75 BGN 1 20 BGN, min. 50 BGN monthly 100 BGN 20 BGN 30 BGN 25 BGN 5 BGN 40 BGN Other

17 OTHER PRODUCTS AND SERVICES BUSSINES PACKAGES ALL IN CORPORATE* ALL IN EXPERT* ALL IN PROFESSIONAL* Monthly maintenance fee 29 BGN I 15 EUR 24 BGN I 12 EUR 19 BGN I 10 EUR Current account Two weeks statements Deffered Debit card MasterCard Business/ Visa Business Deffered Debit card Visa Gold BankOn Web SoGe Net/ BankOn Web Pro BankOn SMS Insurance Comfort Business Travel Insurance Cancellation fee* Comfort Business Insurance 6 BGN I 3 EUR/USD International business credit card for micro enterprices for small enterprises and corporate clients * Except during the 1-st and 12-th month of subscribtion SOGECASH NET 70 BGN I 36 EUR/USD 24 BGN I 13 EUR/USD 45 BGN I 23 EUR/USD As of the business packages ALL IN Professional, ALL IN Expert и ALL IN Corporate will be no longer offered to new and existing clients of SGEB. For the existing clients with active packages among these types, the conditions remain unchanged. Monthly fee Token - one time, + 20% VAT Secured USB Device - one time, + 20% VAT Maintenance intervention on site, + 20% VAT 12 BGN 12 BGN 100 BGN 30 BGN Other

18 GENERAL CONDITIONS 1. The present tariff is valid for customers - physical or legal persons - in terms of their needs, connected with economic activity within the meaning of the Commerce act or acting as a liberal profession. 2. The present tariff defines the standard fees and commissions of the Bank. For services upon special agreement and for products and services, not included in this tariff, the Bank reserves the right to apply different fees and commissions. 3. The interest rates, applied by Societe e Expressbank are stated in an Interest Rate Bulletin, which is an integral part of the tariff. 4. For fees and commissions, determined in BGN and charged in foreign currency, Societe e Expressbank applies the respective BNB fixing rate at the date of the transaction. 5. For fees and commissions, determined in foreign currency and charged in BGN, Societe e Expressbank applies the respective BNB fixing rate at the date of the transaction. 6. In case of insufficient funds on a customer account for covering due fees or commissions, Societe e Expressbank reserves its rights to debit any other account of the customer. 7. Societe e Expressbank reserves its right to apply different commissions for services to banks and financial institutions. 8. The present tariff has been approved by the management of the bank according to the internal rules of Societe e Expressbank and superseeds all previous tariffs. The current brochure represents an extract from the Tariff for fees and commissions of Societe e Expressbank, valid from Other