TARIFF FEES AND COMMISSIONS

TARIFF FEES AND COMMISSIONS Individual Clients Effective as of January 2, 2018 s,

BANK PACKAGES monthly fees DEBIT CARD START PACKAGE DEBIT MASTERCARD PAYPASS, VISA ELECTRON SMART PACKAGE DEBIT MASTERCARD PAYPASS, VISA ELECTRON, VPAY SMART PACKAGE MASTERCARD STANDARD SMART PACKAGE MASTERCARD GOLD Current account On Wеb On SMS BGN payments via On Web and On Mobile 10 10 10 included in the package 5 Comfort insurance Monthly maintenance 2.30 BGN 4.90 BGN 2.45 EUR 5.90 BGN 2.95 EUR 7.90 BGN 3.95 EUR Closing for packages opened within last 12 months 3 monthly maintenance fees 3 monthly maintenance fees 3 monthly maintenance fees DIGITAL BANKING Monthly maintenance 0.35 BGN 0.99 BGN 0.49 USD/EUR SMS (mtan) message sent from the bank 0.15 BGN 0.15 BGN Token device for transfer authentication 18 BGN One time utility payment 1. The SMS fee is debited from the titular s current account on monthly base., 2. Annual fee for customers with annual charging of On Web - 4,20 BGN., 3. Monthly maintenance for On SMS additional subscriber is. 4. In order to log in to On Mobile a On Web subscription is needed. 5. The payments included in SMART package are valid as of March 7, 2017 and do not include RINGS (urgent) payments neither utility payments from Utility bills menu. Fees for the payments over 10 could be charged in the next month after the payment. 6. SMART package with VPAY card and MasterCard Gold are not available for new sales as of March 7, 2017.

CARDS DEBIT CARDS monthly fees Monthly maintenance withdrawal DEBIT MASTERCARD PAYPASS VISA ELECTRON 0.77 BGN 0.39 EUR/USD at an ATM of Societe e Expressbank at an ATM of other bank, in the country 0.99 BGN 0.50 EUR/USD at POS terminal and at ATM abroad 5 BGN +1% 2.50 EUR/USD +1% Payment at merchant locations, local POS V PAY 1.25 BGN 0.65 EUR/USD Payment at merchant locations, POS abroad 0.50 BGN + 0.50% 0.25 EUR/USD + 0.50% Conversion fee for Visa Electron for international card transactions in a currency different from EUR 1% Card design from a catalogue, optional Personal card design, optional 3 0.30 BGN 0.14 EUR/USD 0.80 BGN 0.40 EUR/USD Express issuance (up to 5 days) Issuance of a new card before expiry Utility payments and transfers via ATM/Internet in Bulgaria 19.90 BGN 9.90 EUR/USD 1 (one) monthly or annual maintenance fee 0.29 BGN 0.15 EUR/USD AMERICAN EXPRESS CARDS Checking of account balance Change of PIN Last 5 transactions inquiry on ATM Change of operational limits Unblocking of a card 2 5 BGN 2.50 EUR/USD AMERICAN EXPRESS CARDS According to the unified American Express tariff Incoming transfer done on POS abroad 0.90% Arbitrage procedure at MasterCard or Visa According to the unified tariff of the card operator 1. For cards with annual charge - the annual maintenance fee is equal to 12 monthly maintenance fees (valid for design fees as well). 2. The fee is payable only if the card was blocked due to customer request or fault. 3. Personal card design offer is not available for new sales as of February 8, 2017. 4. Fees in BGN, EUR and USD are valid when the card is issued in BGN, EUR or USD respectively.

monthly fees CARDS CREDIT CARDS REVOLVING CARDS AND DEFERRED DEBIT CARDS TheONE, MasterCard Standard, TheONE GOLD, MasterCard GOLD Mastercard Classic CREDIT CARD WITH NON-DECLINING BALANCE MASTERCARD STANDARD and MASTERCARD GOLD DEBIT MASTERCARD CLASSIC Monthly maintenance 4.15 BGN 2.08 EUR/USD 7.50 BGN 3.75 EUR/USD 2.50 BGN 1.25 EUR/USD 4.75 BGN 2.38 EUR/USD Card design upon request from a catalogue 4 0.30 BGN 0.14 EUR/USD 0.50 BGN 0.25 EUR/USD 0.30 BGN 0.14 EUR/USD 0.50 BGN 0.25 EUR/USD Personal card design, optional 4 0.80 BGN 0.40 EUR/USD 0.80 BGN 0.40 EUR/USD withdrawal at an ATM of Societe e Expressbank 3 BGN 1,50 EUR at an ATM of other bank, in the country 4 BGN 2 EUR 0.99 BGN I 0.50 EUR/USD POS terminal in the country 5 BGN + 3% 2.50 EUR + 3% 5 BGN + 1% 2.50 EUR/USD + 1% at an ATM and POS terminal abroad 8 BGN + 3% 4 EUR + 3% 5 BGN + 1% 2.50 EUR/USD + 1% Payments at merchant locations at a POS terminal in the country at a POS terminal abroad 2 0.50 BGN + 0.50% 0.25 EUR/USD + 0.50% Express issuance (up to 5 days) Issuance of a new card before expiry Utility payments and transfers via ATM/Internet in Bulgaria Checking of account balance Change of PIN Last 5 transactions inquiry on ATM Change of operational limits Unblocking of a card 3 39.90 BGN 19.90 EUR/USD 1 (one) monthly or annual maintenance fee 0.29 BGN 0.15 EUR/USD 5 BGN 2.50 EUR/USD Incoming transfer done on POS abroad 0.90% Arbitrage procedure at MasterCard or Visa According to the unified tariff of the card operator 1. For cards with annual charge - the annual maintenance fee is equal to 12 monthly maintenance fees (valid for design fees as well)., 2. For deferred debit cards, the fee for payments at POS terminal abroad is 0.50 BGN + 0.50% 0.25 EUR/USD + 0.50%., 3. The fee is payable only if the card was blocked due to customer request or fault., 4. Card designs from catalogue and personal designs are not available for revolving cards. Personal card design offer is not available as of February 8, 2017. 5. with deferred debit are stopped for sales as of February 8, 2017. 6. Fees in BGN, EUR and USD are valid when the card is issued in BGN, EUR or USD respectively.

TRANSFERS AND PAYMENTS PAYMENTS IN BRANCH BGN FOREIGN CURRENCY IN BRANCH AUTOMATIC UTILITY PAYMENT Incoming intrabank transfers Incoming interbank transfers 0.10% (min. 5 BGN, max. 200 BGN) Outgoing transfers within Societe e Expressbank to the same titular Outgoing transfer intrabank 1.10 BGN 0.45 BGN 8 BGN 4 BGN Payments in EUR SEPA 1 Outgoing transfer interbank 2.40 BGN 0.90 BGN Outgoing urgent transfers, incl. RINGS 16 BGN 12 BGN Manual processing of incoming payment with former account or incorrect IBAN 0.22% (min 35 BGN / max 400 BGN) 0.20% (min 15 BGN/ max 400 BGN) Payments in foreign currency - SWIFT 0.22% (min 35 BGN / max 400 BGN) 0.20% (min 15 BGN/ max 400 BGN) Payments in EUR SEPA 1 doubled charges Payments in foreign currency - SWIFT doubled charges 10 BGN Inquiries, cancellations and amendments 30 BGN 60 BGN Monthly maintenance Fee per payment SMS from the bank, optional STANDING ORDERS Subscription fee Intrabank payment Interbank payment Transfer between accounts of the same titular within Societe e Expressbank DIRECT DEBIT ORDER Subscription fee Intrabank payment Interbank payment 0.25 BGN 0.25 BGN 0.15 BGN 2 BGN 0.45 BGN 0.90 BGN 2 BGN 0.20 BGN 0.50 BGN 1. within Single Euro Payments Area (SEPA) are issued with a value date - the day after the payment order was received, urgent SEPA transfers are issued with a value date on the same day when submitted until 12:30h on a business day. 2. to and from countries within the European Economic Area (EEA) in any currency are with sharing option between the originator and the beneficiary (SHA). 3. Commissions do not include fees of correspondent banks. in EUR with option SHA to beneficiaries in EU countries are free of correspondent banks commissions. For transfers with option OUR these additional fees are collected from the ordering customer s account. For transfers with option SHA and BEN the fees of correspondent banks are deducted from the amount of the transfer. 4. For outgoing transfers in USD with option OUR the bank covers correspondent fees up to USD 50.00 for which collects an additional fee of USD 25.00. In case of higher correspondent commissions the difference is collected from the ordering customer s account. 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 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. 5. between accounts of a person registered as individual client and accounts registered as a liberal profession are not considered transfers between accounts of the same titular. 6. Commissions on incoming transfers in foreign currencies are collected from 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 transfer. Outgoing transfer in foreign currency which has been returned not at the fault of the is considered to be an incoming transfer.

CASH TRANSACTIONS CASH DEPOSITS WESTERN UNION by the titular Deposit from a third party to individual s account, payable by the third party 5 0.20% (min 2 BGN) Western Union transfers According to the unified Western Union tariff transfers 1% (min. 5 BGN) Deposit of more than 100 coins per account, over the amount 3% (min. 5 BGN) CASH WIHTDRAWALS Up to 3 000 BGN or equivalence 2 BGN Over 3 000 BGN or equivalence, over the excess 2 BGN + 0.40% (max 500 BGN) FOREIGN EXCHANGE OPERATIONS Foreign exchange operations of non-customers/except for amounts linked to a Western Union transfer 5.50 BGN 1. No cash commission is collected for depositting and withdrawal of term deposits on the maturity day and for disbursement of loans at the cashier s desk (for housing loans only for the buyer). No commission for withdrawals up to 3000 BGN for under-aged and incapacitated clients. 2. For withdrawals over 3 000 BGN or equivalence in foreign currency daily, one-day written pre-notice is required. The bank may take a decision to refuse the withdrawal. 3. The amounts are the account limit per day. 4. Deposit and withdrawal in currency different than the currency of the account is (for both titular or third party). 5. Deposit by third parties to indiviual s account are free in following cases: to donation accounts, to accounts of customers up to 18 years of age, accounts in packages for students/youngsters/bursars, to accounts serving a loan of a deceased person..

LOANS CONSUMER LOANS FEES EXPRESSO, COMPACT, CASH EXPRESSO, STUDENT FORTISSIMO Approval, renegotiation, restructuring fees 500 BGN - 10 000 BGN 150 BGN 135 BGN 10 001 BGN - 30 000 BGN 300 BGN over 30 000 BGN 450 BGN 100 001 BGN - 200 000 BGN 350 BGN HOUSING AND MORTGAGE LOANS FEES Approval Approval fee with refinancing of loan from another bank 5 000 BGN 50 000 BGN 260 BGN 50 000 BGN 150 000 BGN 380 BGN Pre-term repayment For loans after 31.12.2008 with variable interest rate For loans after 31.12.2008 with fixed interest rate for loans with remaining maturity of the contract more than 1 year for loans with remaining maturity of the contract 1 (one) year or less For loans disbursed before 01.01.2009 full pre-term repayment partial pre-term repayment OVERDRAFT ON CURRENT ACCOUNT FEES Approval Approval with Smart package Commitment fee over the unused part from the overdraft - monthly (annual rate) 1% over the pre-term repaid amount (partial or full repayment) 0.5% over the pre-term repaid amount (partial or full repayment) 3 month APR 30 BGN + 3% over the pre term repaid amount, max 3-month APR 5 BGN 1,5% over 150 000 BGN 580 BGN Renegotiation 1.5% Restructuring 5 000 BGN 50 000 BGN 200 BGN 50 000 BGN 150 000 BGN 300 BGN over 150 000 BGN Pre-term repayment for loans with repaid up to 1 year repayment installments for loans with repaid more than 1 year repayment installments Transfer of the credit to the account of the seller in Societe e Expressbank for Housing loans 400 BGN 1% over the pre term repaid amount (partial or full repayment) 1. Expresso loan is for amounts from 1501 BGN to 15 000 BGN 2. Student loan is for amounts from 1000 BGN to 15 000 BGN

INSURANCES COMFORT INSURANCE Main cardholder, monthly premium per card Addional cardholder, monthly premium per card Main cardholder Youth market, monthly premium per card Additional cardholder Youth market, monthly premium per card 1.33 BGN 1.10 BGN 0.98 BGN 0.73 BGN MY FAMILY MY FAMILY WITH INDIVIDUAL COVER MY FAMILY WITH FAMILY COVER Silver Protection, monthly premium payment 4 BGN 7.50 BGN Golden Protection, monthly premium payment 7.50 BGN 14 BGN SPOKOISTVIE SPOKOISTVIE FOR CURRENT ACCOUNT SPOKOISTVIE FOR SAVING ACCOUNT Monthly premium for insurances after Mar 1, 2018 2 BGN 2 BGN Silver Protection, monthly premium payment 2 BGN 1 BGN Golden Protection, monthly premium payment 4 BGN 2.50 BGN SPOKOISTVIE INSURANCE ON OVERDRAFT Monthly premium payment 0.50 BGN 1. For insurances with annual premium (if there is such option), the annual premium is equal to 12 (twelve) monthly premiums.

monthly fees CLUB PRESTIGE CLUB PRESTIGE PACKAGES PRESTIGE PACKAGE GOLD PACKAGE GOLD PACKAGE DIAMOND PACKAGE DIAMOND PACKAGE credit card credit card Monthly management fee 19.90 BGN 9.95 EUR/USD 16 BGN 8 EUR/USD 19 BGN 9.50 EUR/USD 22 BGN 11 EUR/USD 24 BGN 12 EUR/USD 1. Gold and Diamond packages are not available for new sales as of July 1, 2017. CARDS VISA INFINITE DEBIT CARD REVOLVING CREDIT CARD CREDIT CARD WITH DEFERRED DEBIT Monthly maintenance Main card 41.50 BGN 20.75 EUR\USD 45.75 BGN 22.85 EUR 45.75 BGN 22.85 EUR/USD Additional card 20.75 BGN 10.30 EUR/USD 22.80 BGN 11.40 EUR 22.80 BGN 11.40 EUR/USD All other fees are equal to card fees, here All other fees are equal to Revolving card fee, here All other fees are equal to Deferred debit card fees, here Global Customer Care Services Priority pass for cardholders Emergency Card Replacement 500 BGN 250 EUR Replacement of Priority pass card Emergency Disbursement 300 BGN 150 EUR VIP lounge access with Priority Pass, one visit per year (first one) Emergency Service Request Cancellation 140 BGN 70 EUR VIP lounge access with Priority Pass for every additional visit or guest 24 EUR Cardholder Enquiry Service 50 BGN 25 EUR Concierge services for cardholders According to the tariff of the end supplier 1. with deferred debit is not available for new sales as of February 8, 2017.

INVESTMENTS MUTUAL FUNDS AMUNDI Subscription fee, class A shares *Minimum subscription fee is 10 BGN / 5 EUR / 5 USD For subfunds, investing in equities, up to 25 000 EUR/USD 1.50% For subfunds, investing in equities, over 25 000 EUR/USD 1% For subfunds investing in bonds, up to 25 000 EUR/USD 0.50% For subfunds investing in bonds, over 25 000 EUR/USD 0.25% For sub-funds, investing in Money Market Instruments 0.10% Fee for transfer of shares 2% 1. Conversion of shares from one subfund and/or class to another subfund and/or class is. Redemption is. SAVING INSURANCE MY TOMORROW Initial premium/monthly premium - minimum amount 30 BGN 15 EUR Onetime fee over the initial premium 1.45% Fee over the monthly premium 7% Transfer of the initial premium, standing order subscription and standing order payments of the monthly regular premium are. Surrender value for the first year for a contract with initial premium up to 4000 BGN / 2000 EUR Surrender value for the following year for a contract with initial premium up to 4000 BGN / 2000 EUR Surrender value for the first year for a contract with initial premium more than 4000 BGN/2000 EUR Surrender value for the following year for a contract with initial premium over 4000 BGN / 2000 EUR 20% Minus 2% for each following year (0% in 11th year) 10% Minus 2% for each following year (0% in 6th year) PROTECTINVEST Initial and Additional premium Less than 10 000 EUR (applicable only for the additional premium) 2.5% From 10 000 EUR to 30 000 EUR 2% Over 30 000 EUR (including) 1.5% Risk premium and management fee, yearly (deducted from the number of units at the end of every month) Surrender fee, % of the surrender amount ( after the 5th year) 2% Switch from one CPR fund to another, % of the switched amount (the first switch is free) 1.5% 0.5%

DEPOSITS, SAVING ACCOUNTS AND CURRENT ACCOUNTS SAVING ACCOUNTS SAVING ACCOUNTS FAMILY HORIZONS NEW HORIZONS SELF-SAVING ACCOUNT With CA always CHILD SAVING ACCOUNTS Minimum amount for opening 30 BGN 30 currency units 500 BGN 250 EUR 30 BGN 30 EUR/USD 30 BGN 15 currency units Monthly maintenance for accounts with average daily balance over 30 BGN or equivalent when account holders are 0.50 BGN using also a current account. 6 Monthly maintenance for clients without a current account and average daily 0.99 BGN 0.99 BGN balance over 30 BGN or equivalent. 6 Monthly maintainance for accounts with avarage daily balance lower or equal to 30 BGN or equivalent. 0.99 BGN 0.99 BGN 0.99 BGN TERM DEPOSITS GARANT RENT PROGRESS TACTICA Minimum balance for deposit Monthly maintenance 200 BGN 100 USD/EUR 500GBP/CHF 1000 BGN 500 EUR 1000 BGN 500 EUR/USD 500 BGN 250 EUR CURRENT ACCOUNTS CURRENT ACCOUNTS DONATION ACCOUNTS Minimum balance No minimum No minimum Monthly maintenance 1.79 BGN 1. Inactive accounts with balance below or equal to 5 BGN are automatically closed. Fee for the automatic closure - 5 BGN. Current accounts without operations initiated by the customer for 3 months become inactive. Saving accounts with balance below 30 BGN also become inactive. 2. The average daily balance is calculated for last 3 months. 3. Current accounts servicing contentious loans are and cannot be automatically closed. 4. Saving accounts Horizons are stopped for opening since 01.05.2010. 5. Current accounts servicing only term deposits have no maintenance fee and cannot be closed automatically. 6. A maintenance fee would be charged for saving accounts, when the account holder is using a current account only for servicing a term deposit.

OTHER PRODUCTS AND SERVICES SAFE KEEPING small box middle box Big box loss of a key Safe boxes for 12 months 250 BGN 350 BGN 500 BGN 60 BGN + cost Tips: Safe boxes are only available to customers of Societe e Expressbank OPERATIONS WITH SECURITIES Deals with government securities on the primary market For every approved order 0.05% For every rejected order 10 BGN Deals with government securities on the secondary market and Central depository Negotiable OTHER SERVICES SWIFT message Certification of bank power of attorney Confirmation of balances Written information, bank references and photocopy of a contract 24 BGN 6 BGN CO-BRANDED CARD NovaCard Monthly maintenance 0.91 BGN in Bulgarian language in English language 30 BGN 60 BGN All other fees are equal to Deferred debit card fees here. Photocopy of a contract 30 BGN

GENERAL CONDITIONS GENERAL CONDITIONS 1. The present tariff is valid for individual customers, in terms of their needs, not connected with economic activity within the meaning of the Commerce Act. 2. The present tariff defines the standard fees and commissions of Societe e Expressbank. 3. For services upon special agreement and for products and services, not included in this tariff, Societe e Expres bank reserves the right to apply different fees and commissions. 4. The interest rates, applied to individual customers by Societe e Expressbank are stated in an Interest Policy, which is an integral part of the tariff. 5. For fees and commissions, determined in BGN and charged in foreign currency, Societe e Expressbank apples the BNB fixing rate at the date of the transaction. 6. 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. 7. The fees and commissions in this Tariff, which are taxable pursuant to VAT Act, are VAT inclusive. 8. The present tariff have been approved by the management of the bank according to the internal rules of Societe e Expressbank AD and superseeds all previous versions.