Appendix to Price List for private individuals of ProCredit Bank (Bulgaria) EAD Other fees and conditions for banking services

Appendix to Price List for private individuals of ProCredit Bank (Bulgaria) EAD Other fees and conditions for banking services

ПРЕВОДИ CARDS LOANS 1 Monthly maintenance of a current account under distrainment in the case of received provisional order Opening of an escrow account: in case of a transaction of up to EUR 250,000 in case of a transaction of over EUR 250,000 BGN 150 BGN 250 BGN 250 по договаряне (min BGN 1 000) Passive current account For clients who would like to maintain savings in the bank without taking advantage of the services package included in the monthly maintenance fee for an Active current account Monthly maintenance fee, which includes: Visa Debit Card FlexSave savings account Internet banking Free and unlimited number of: - intrabank transfers between the accounts of the same client through Internet banking - deposits and withdrawals at ProCredit ATMs up to BGN 2,000 - SMS notifications Other transfers issued through Internet banking: between accounts of ProCredit clients to other banks in BGN in foreign currency Fixed transfers to other banks and transfers for utility payments (electricity, phone service, etc.) Cards: extra card in connection with a Visa Debit card cash withdrawal at ATMs of another bank BGN 4 BGN 10 BGN 10 According to the standard Price List not offered not offered BGN 2 per transaction Other services not included in the above items According to the standard Price List 2

1 Payment account for basic operations within the meaning of Article 73s of the Payment Services and Payment Systems Act 1.4 Opening of an account (including the issuing of a debit card pertaining to the account) Monthly maintenance fee (including with an issued debit card pertaining to the account) Deposit into an account through a deposit safe, ATM, pay-in terminal: up to BGN 4,594 above BGN 4,594 Withdrawal of up to BGN 1,000: by debit card at ProCredit Bank ATMs by debit card at ATMs of another bank in Bulgaria by debit card at ATMs abroad Payments for goods and services by debit card at POS terminals at a merchant location Fixed automated transfer: interbank transfer intrabank transfer between clients of the bank Outgoing transfer in national currency through Internet banking: intrabank transfer to other persons, organisations and the budget through BISERA Outgoing transfer in foreign currency through Internet banking: intrabank transfer SEPA transfers non-sepa transfers with TOM value date Incoming transfer in foreign currency Maximum amount for cash withdrawals at ATM in Bulgaria/abroad: for a 24-hour period for a 7-day period Maximum amount for POS payment in Bulgaria/abroad: for a 24-hour period for a 7-day period Total limit: for a 24-hour period for a 7-day period BGN 1.90 BGN 1.50 0,09% on the amount in excess of BGN 4 954 ( min BGN 2.99, max BGN 195) BGN 0.19 per transaction BGN 0.88 per transaction EUR 2.49 + 1% BGN 0.99 BGN 0.74 EUR 4.99 EUR 9.99 BGN 150 BGN 500 BGN 150 BGN 500 BGN 150 BGN 500 Minimum balance BGN 250 ProBanking internet banking registration fee BGN 50 Fee for re-issuing of a bank card BGN 20 3

TRANSFERS 2 Transfers received in BGN and in foreign currency Transfers issued in BGN 2.1 Change/cancellation of a transfer BGN 5 Transfers issued in foreign currency 2.2 Between customers of the bank Transfer with OUR expenses extra fee 2.3 : EUR in Germany EUR outside Germany USD, GBP, CHF Other operations related to international transfers 2.4 Internet banking EUR 10 EUR 20 EUR 20 + expenses of the correspondent bank on paper not accepted Time intervals for accepting transfers Cut-off time Transfer received on the same working day (BISERA) on paper through Internet banking 11:30 14:30 Express transfer (RINGS) 15:00 Ordinary transfer in foreign currency executed on the same working day EUR, USD, GBP и CHF Express transfer in foreign currency executed on the same working day EUR и USD GBP 17:00 17:00 12:00 4

CARDS 3 Debit card Visa Electron Express delivery of a card or a PIN code at an address in Bulgaria/ change of address - 3 working days BGN 14 Balance statement request at ATM BGN 1 Incoming amount on cards (credit refund) 1% Ungrounded claim BGN 40 Other services 3.4 BGN 10 Credit card Visa Classic Monthly maintenance fee Monthly maintenance fee for an extra card BGN 4 Withdrawal at ATM in Bulgaria and abroad BGN 10 + 3% POS payment in Bulgaria and abroad Withdrawal from POS of another bank in Bulgaria and abroad BGN 10 + 3% Delivery of a card or a PIN code at an address in Bulgaria/change of address: ordinary (7 working days) express (3 working days) BGN 4 BGN 14 Balance statement request at ATM BGN 1 Incoming amount on cards (credit refund) 1% Ungrounded claim BGN 40 Other services 3.4 BGN 10 5

CARDS 3 Limits 24-hour limits Debit card Visa Electron Credit card Visa Classic Withdrawal at ATM BGN 2 000 BGN 2 000 Payment at POS BGN 5 000 BGN 6 000 Total limit (ATM and POS) BGN 7 000 BGN 6 000 Number of transactions (ATM and POS) 20 20 7-day limit Withdrawal at ATM BGN 10 000 BGN 6 000 Payment at POS BGN 12 000 BGN 10 000 Total limit (ATM and POS) BGN 12 000 BGN 10 000 Number of transactions (ATM and POS) 50 50 Interest rates Debit card Visa Electron Credit card Visa Classic Interest rates according to the Interest Bulletin Interest on unauthorised overdraft 23% - Interest for arrears 3.5-10 percentage points above the agreed interest Interest period - 1 month Change of credit limit 3.6-0.25% (min 10 currency units) 6

LOANS 4 Disbursement fee Annual management fee Preparing documents for mortgage registration: up to BGN 500,000 above BGN 500,000 Preparing documents for deregistration of a mortgage: up to BGN 500,000 above BGN 500,000 Early repayment of overdraft/credit card/loan with cash collateral Change in the terms and conditions 4.4 Housing loan Consumer loan, Overdraft, Loan with cash collateral Credit card Loan restructuring Monthly loan administration fee, when it is not made through a client s account with the bank Appraisal of collateral 4.5 Land plot Agricultural land up to 50 land plots Agricultural land over 50 land plots Movable assets, up to 5 assets Movable assets, over 5 assets Movable assets, over 20 assets BGN 100 BGN 250 BGN 50 BGN 100 0.50%, min 50 / max 500 currency units 0.25%, min 50 / max 500 currency units 0.25%, min 10 currency units 0.5%, min 10 / max 500 currency units BGN 150 BGN 200 BGN 500 BGN 1 000 BGN 250 BGN 500 BGN 1 200 Interest rates Penalty interest: Housing and Consumer Loan 4.6 FlexFund Overdraft 4.7 Penalty interest on receivables for fees/commissions Interest on unauthorized overdraft - transactions according to Interest Bulletin loan interest +10 % surcharge loan interest +2 % surcharge 8% on an annual base 23% on an annual base 7

OTHER FEES SMS notifications of account balance, transfers received, authorisation of transactions, utility payments for credit card Visa Classic BGN 0.15 Repeated activation of an SMS service BGN 5 Deposit for the SMS notification services for credit card Visa Classic for authorisation of transactions and utility payments Written information at the request of a customer and issuing of transcripts and photocopies of documents BGN 5 BGN 30 Issuing of certificate/reference/financial identification BGN 50 Issuing of certificate/reference according to text of a customer or at the request of a correspondent bank Identification and verification of authenticity of SWIFT messages/ SWIFT supplementary messages Statement of account mailed to the client s address once a month through ProBanking, by e-mail BGN 200 EUR 10 BGN 5 Reversal at the request of a customer or processing of distrainment BGN 10 Reversal of issued / received transfer BGN 50 Courier and postal services in Bulgaria and abroad actual costs 8

GENERAL PROVISIONS 1. The Price List for private individuals and the Appendix Other fees and conditions for banking services are inseparable and together they form the Price List of the Bank with the conditions for banking services, the standard fees and commissions due and payable by clients of ProCredit Bank (Bulgaria) EAD /the Bank / upon execution of the respective operations. For all services and operations not included in the Price List, the Bank shall apply fees and commissions upon agreement. 2. The Price List applies for clients of ProCredit Bank (Bulgaria) EAD who are Bulgarian and foreign legal entities. 3. For each service and/or operation provided by the Bank, the Price List effective on the day of execution of the service/ operation shall apply. The fees and commissions set out in the Price List in a foreign currency shall be collected in BGN, and the respective currency exchange fixing by the Bulgarian National Bank for the day of execution of the operation shall be applied. 4. All fees and commissions for services taxable under the Value Added Tax Act are fixed in the Price List with the Value Added Tax (VAT) included. 5. The Bank shall only execute orders which are accurate in terms of contents and form and fully comply with the effective legislation. In case the funds in the client s account are not sufficient for execution of an ordered transaction, the Bank is entitled to complete the operation and charge to the client an interest for unallowed overdraft, according to the General Terms and Conditions for payment services of ProCredit Bank (Bulgaria) EAD and the Price List of the Bank. 6. The Bank shall be entitled to collect all due fees and commissions from the account of the ordering party, provided it is not indicated in the order to whose account they should be charged; or provided it is indicated that the said fees and commissions are chargeable to the beneficiary, but ProCredit Bank (Bulgaria) EAD fails to collect them. 7. The Bank has the right to close a client s account at any time sending to the latter a written notification 1 month in advance. 8. The Bank s Management Board is entitled to amend and supplement the Price List by a resolution at all times. The Price List enters into force as of 01.06.2018. 9

NOTES 1.1. Active current accounts are offered in BGN, EUR and USD. If the client would like to maintain a second current account in a foreign currency, this second current account must also be an Active account with a monthly fee in the amount of EUR 4. Minimum number of transactions per month for an Active current account 1 transaction. As of 01.11.2017, the opening of Current Account with Account Holder Private Individual shall be discontinued. As of 01.01.2018, all standard Current Accounts with Account Holder Private Individual shall be transformed into Active current accounts. 1.2 The monthly maintenance fee is due per month or part thereof. 1.3 The FlexSave account shall be offered in BGN and EUR. 1.4 The deposit accounts shall be offered in BGN, EUR and USD. 1.5 The text for payment account for basic operations shall be applied only to payment account within the meaning of Article 73s of the Payment Services and Payment Systems Act of private individuals, and shall not amend or repeal the standard fees for the same payment operations according to the Price List for Private Individuals. TRANSFERS 2.1 The payments through RINGS shall be obligatory for transfers in an amount exceeding BGN 100,000 (inclusive) 2.2 The return of an incoming transfer in foreign currency at the recipient s order shall be considered to be an outgoing transfer. The Bank reserves the right to collect the fees and commissions due to the correspondent banks. 2.3 Transfers in USD ordered with OUR expenses shall be executed by the correspondent bank without charging any fees but, because of the peculiarities of the banking practices on the territory of the USA, the beneficiary s bank may collect its expenses from the transfer amount regardless of the instruction by the ordering party who is to cover all the expenses. 2.4 Other operations related to international transfers Change/Cancellation of a Transfer, Tracing of a Transfer Made, Issuing of a Transfer within 2 hours 2.5 ProPay is a system of express currency payments between clients of ProCredit Bank. Countries with which ProPay transfers are executed: Albania, Bosnia and Herzegovina, Bulgaria, Germany, Georgia, Kosovo, Macedonia, Romania, Serbia, Ukraine and Moldova. CARDS 3.1 Visa Electron and Visa Classic cards shall be offered in BGN and EUR. 3.2 Maximum amounts for operations in the 24/7 Self-Service Area deposit - BGN 50 000 withdrawal - BGN 10 000 The amounts specified constitute the daily limit for the account. If the free-of-charge daily deposit limit (BGN 2,000) is exceeded, the commissions due and payable shall be charged ex officio. 3.3 The functionalities of an Active current account shall apply to the main and the extra cards taken together not separately. 3.4 Other services generation of a new PIN, change of the details of the card holder, activation after blocking, re-issuing prior to expiration of the validity of the card, card not received through the client s fault. Upon initiation of an arbitration procedure for disputed transactions, the actual expenses shall be charged. 3.5 The interest for arrears on a Visa Classic credit card shall be charged on an annual basis on the amount of the principal that is in arrears. 3.6 Credit limit change fee shall be charged on the limit. 10

NOTES LOANS 4.1. The fees on loan transactions shall be charged as follows: Loan application processing fee on the loan amount Management fee for Housing loans approved and/or extended during the period from 11.02.2013 to 31,12,2013 management fee in the amount of 0.35% per annum. For residential loans extended before 11.02.2013 management fee in the amount of 0.5% per annum. For Renovation loans approved and extended before 01.08.2014 management fee of 0.5% per annum. Restructuring of a loan on the amount due and payable The Renovation loan is no longer offered from 22.06.2015. 4.2. The Fee for Insurance of Collateral shall be charged annually on the loan amount due. For residential loans extended after 11.02.2013 the fee for activation, processing and maintaining of collateral which is less than the insurance cover shall be 0.10% per annum. For residential loans extended before 11.02.2013 the fee for activation, processing and maintaining of collateral which is less than the insurance cover shall be 0.202% per annum. 4.3. The early repayment fee shall be due on the outstanding principal. 4.4. The Change of Terms and Conditions Fee shall be due on the outstanding principal/the authorised limit to be utilized 4.5. For collateral securities other than those specified, the fees as per the Price List of Legal Entities shall apply. Appraisal update at every 36 months after the initial appraisal of collateral Apartment for Housing loan is not required. Appraisal update at every 36 months after the initial appraisal of collateral House is required. 4.6. The surcharge in the case of penalty interest shall be due on the principal in arrears. 4.7. Penalty interest of overdraft disbursed before 02.06.2017 loan interest +10 % surcharge. 5. The Price List for private individuals of ProCredit Bank (Bulgaria) EAD has been brought in line with Ordinance No. 3 of 16.07.2009 on the Terms and Procedure for Execution of Payment Transactions and for the Use of Payment Instruments. www.procreditbank.bg 11