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CHANGES IN FEES AND COMMISSIONS

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 49.90 BGN 24.90 EUR/USD 41.50 BGN 20.75 EUR/USD Debit card Visa Infinite additional 24.45 BGN 12.45 EUR/USD 20.75 BGN 10.30 EUR/USD Credit card Visa Infinite 54.90 BGN 27.45 EUR/USD 45.75 BGN 22.85 EUR/USD Credit card Visa Infinite additional 27.45 BGN 13.70 EUR/USD 22.80 BGN 11.40 EUR/USD

BANK CARDS BANK CARDS ANNUAL MAINTENANCE Credit card TheONE 49.90 BGN 24.90 EUR 49.80 BGN 24.96 EUR Credit card TheONE with SMART package 39.92 BGN 19.92 EUR 39.84 BGN 19.92 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 14.90 BGN 7.45 EUR/USD 15.00 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 26.90 BGN 13.45 EUR/USD 30.00 BGN 15.00 EUR/USD 54.90 BGN 28.45 EUR/USD 57.00 BGN 28.56 EUR/USD Credit card with deferred debit MasterCard Standard 44.90 BGN 23.25 EUR/USD 49.80 BGN 24.96 EUR/USD Credit card with deferred debit MasterCard Gold 84.90 BGN 43.45 EUR/USD 90.00 BGN 45.00 EUR/USD Credit card TheONE Gold 89.90 BGN 44.90 EUR 90.00 BGN 45.00 EUR Credit card TheONE Gold with SMART package 71.92 BGN 35.92 EUR 72.00 BGN 36.00 EUR Debit card Visa Infinite 499.00 BGN 249.00 EUR/USD 498.00 BGN 249.00 EUR/USD Debit card Visa Infinite additional 249.00 BGN 124.00 EUR/USD 249.00 BGN 123.60 EUR/USD Credit card Visa Infinite 549.00 BGN 274.50 EUR/USD 549.00 BGN 274.20 EUR/USD Credit card Visa Infinite additional 274.00 BGN 137.00 EUR/USD 273.60 BGN 136.80 EUR/USD

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

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

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.

SAFE KEEPING Small box for 12 months 156.00 BGN 250.00 BGN Middle box for 12 months 228.00 BGN 350.00 BGN Big box for 12 months 294.00 BGN 500.00 BGN

CONSUMER LOANS Renegotiation and restructuring 5001 15000 BGN 150.00 BGN 200.00 BGN Renegotiation and restructuring over 15000 BGN 200.00 BGN 295.00 BGN