TARIFF FOR FEES AND COMMISSIONS OF CIBANK JSC APPLICABLE TO INDIVIDUALS

TARIFF FOR FEES AND COMMISSIONS OF CIBANK JSC APPLICABLE TO INDIVIDUALS dated 9

SECTION I: ACCOUNTS Current Accounts Savings Accounts: with Differentiated Interest Accrual / Beneficial Account Term Deposits: SECTION II: CASH OPERATIONS Cash Deposits Cash Withdrawals Processing of Cash, which is not deposited on an Account Sales of Foreign Currency SECTION III: BANK TRANSFERS Intrabank Transfers Interbank Transfers Direct Debit Regular Transfers SECTION IV: BANK CARDS 5 6 7 8 9 0 International Maestro Debit Card - not be issued after 0.05.05 International Visa Electron Debit Card International Card with Minimum Balance and/or Overdraft MasterCard Standard International Card with Minimum Balance and/or Overdraft Visa Classic International Card with Minimum Balance and/or Overdraft MasterCard Gold International Revolving Credit Card with a Grace Period MasterCard Standard International Revolving Credit Card with a Grace Period Visa Classic International Revolving Credit Card with a Grace Period MasterCard Gold Automatic Utility Bill Payment with a Bank Card - Electronic Utility Bills SMS Notification for Transactions with a Bank Card Priority Pass Programme Priority Traveler Programme POS Terminal Installation at a Merchant SECTION V: ONLINE BANKING - CIBANK ONLINE Registration Fees TOKEN Transfers SECTION VI: PACKAGES 5 DYNAMICS Package CLASSIC Package Programme PRACTICE Package Programme COMFORT Package Programme CIPRAKTICE Package Programme SECTION VII: LOANS Consumer Loans Overdraft Mortgage Loans Credit Limit collateralized with a Pledge of Fixed Tangible Assets dated 9

SECTION VII: LOANS 5 6 Credit Limit on Revolving Bank Cards Fees charged by the Bank on Non-Performing Loans SECTION VIII: CHEQUES /revoked with Minutes No 7/5..0 of the Management Board, in force as of SECTION IX: SECURITIES AND CUSTODY SERVICES Securities Government Securities Compensatory Instruments Custody Services SECTION X: VAULT Renting out a Bank Safe Deposit Box Visits in Vaults Loss / Damage to a Tenant's Key Release / Signing of a New Contract SECTION XI: OTHER SERVICES 5 6 Written Reports Certificates Enquiries to Correspondent Banks SWIFT Expenses Corrections Others SECTION XII: TRANSITIONAL AND FINAL PROVISIONS dated 9

SECTION I: ACCOUNTS Current Accounts*.. Current Accounts... Opening.00 EUR.50 at an Office of the Bank.00 EUR.50 via CIBANK Online.50 EUR 0.75... Minimum blocked Account Balance 5.00 5.00... Monthly Service Fee including an account statement sent via electronic channels (email, portal).50.50 including an account statement received at an office of the Bank (printed out in an branch/office of the bank).70.70 including an account statement sent by regular mail to the postal address.0.0... Closing.. Current Accounts with Bank Cards**... Opening.00 EUR 0.50... Monthly Service Fee including an account statement sent via electronic channels (email, portal) 0.0 0.0 including an account statement received at an office of the Bank (printed out in an branch/office of the bank) 0.60 0.60 including an account statement sent by regular mail to the postal address.0.0... Closing.. Escrow Account... Opening up to 00 000 or the equivalent in foreign currency 00.00 EUR 50.00 above 00 000 or the equivalent in foreign currency 500.00 EUR 50.00... Monthly Service Fee 0.0% of the value under the contract 0.0% of the value under the contract... Closing Savings Accounts.. Savings Account: with Differentiated Interest Accrual / Beneficial Account... Opening... The monthly service fee for an account with differentiated interest accrual with average monthly balance of up to / EUR / USD 99.99, including an account statement sent via electronic channels (email, portal).0.0 including an account statement received at an office of the Bank (printed out in an office of the bank).50.50 including an account statement sent by regular mail to the postal address.00.00... The monthly service fee for an account with differentiated interest accrual with average monthly balance above / EUR / USD 500.00, including an account statement sent via electronic channels (email, portal) including an account statement received at an office of the Bank (printed out in an office of the bank) including an account statement sent by regular mail to the postal address... Closing.. DREAMS Children's Savings Account***... Opening... Monthly Service Fee... Replacement of a Savings-Bank Book.00... Loss of a Savings-Bank Book 0.00..5. Closing Term Deposits****.. Opening.. Monthly Service Fee including an account statement sent via electronic channels (email, portal) including an account statement received at an office of the Bank (printed out in an office of the bank).. Disposal of a term deposit without submission of the contract.00.. Closing Note: *Charges under item.. and item.. are also applicable to accounts of customers acting outside their professional and commercial activity. Current accounts linked to a deposit product are not charged a monthly service fee until the deposit is closed or transformed into a type that does not require such a bank account. A current account is closed if the Holder does not pay the monthly service fee in three consecutive months. Current accounts opened especially for "EUROGARANT and " are not charged with opening and monthly service fees.all other fees are charged as per the Tariff. ** In addition to the fee under item.., the Bank collects an additional monthly fee for servicing the bank card, the of which is determined by its type. An opening and monthly service fees are not charged for a current account servicing a revolving credit card with a grace period. ***Dreams children's savings accounts are not charged a monthly service fee until they are transformed into another type. **** Account statements for deposit accounts sent via electronic channels (email, portal) or printed out at the office of the Bank are delivered only when there is a movement on the account. The fees under item...,... and... for accounts opened before 0.05.0, are applicable from October 0. Upon termination of a Framework Contract for provision of payment services, the Bank does not collect additional fees and commissions. dated 9

SECTION II: CASH OPERATIONS Cash deposits.. Cash Deposit on a Current Account made by the account holder or an authorized person on an account of an individual up to 5 000 / 500 currency units no commission no commission above 5 000 / 500 currency units 0.0% of the above the limit, min., маx. 00 0.0% of the above the limit, min. EUR, маx. EUR 50 made by a third (non-authorized) person on an account of an individual 0.0% of the, min. no commission.. Cash Deposit on a Savings Account: with Differentiated Interest Accrual / Beneficial Account/Dreams Children's Savings Account made by the account holder or an authorized person on an account of an individual up to 5 000 / 500 currency units no commission no commission above 5 000 / 500 currency units 0.0% of the above the limit, min., маx. 00 0.0% of the above the limit, min. EUR, маx. EUR 50 made by a third (non-authorized) person on an account of an individual no commission no commission.. Cash Deposit on a Term Deposit no commission no commission.. Cash Deposits in Bulgarian Coins up to 00 no commission above 00.00%.5. Cash deposit in currency other than the currency of the account no commission no commission Cash Withdrawals.. Cash Withdrawal from a Current Account... up to 000 / 500 currency units.00 no commission... above 000 / 500 currency units without a two working day notice with a two working day notice 0.50% of the above the limit, min. 0 0.0% of the above the limit, min. 6 0.50% of the above the limit, min. EUR 0.0% of the above the limit, min. EUR.50.. Cash Withdrawal from a Savings Account... up to 000 / 500 currency units no commission no commission... above 000 / 500 currency units without a two working day notice with a two working day notice 0.0% of the above the limit, min. 6 0.0% of the above the limit, min. 0.50% of the above the limit, min. EUR 0.0% of the above the limit, min. EUR.50.. Cash withdrawal from a current account with a bank card at a POS terminal under section IV under section IV.. Cash withdrawal from a term deposit on the maturity date or on the first working day after the maturity date (when the maturity date is a non working day)** For deposits opened until 05.0.0 inclusive... up to 5 000 or the equivalent in foreign currency no commission no commission... above 5 000 or the equivalent in foreign currency without a two working day notice 0.0% of the above the limit, min. EUR 0, max. 00 0.0% of the above the limit, min. EUR 0, max. 00 with a two working day notice no commission no commission For deposits opened after 08.0.0... up to 000 / 500 currency units no commission no commission... above 000 / 500 currency units without a two working day notice 0.0% of the above the limit, min. 6 0.50% of the above the limit, min. EUR with a two working day notice no commission no commission.5. (Partial or full) cash withdrawal from a term deposit on a date before the maturity date For deposits opened until 05.0.0 inclusive.5.. up to 5 000 or the equivalent in foreign currency no commission no commission.5.. above 5 000 or the equivalent in foreign currency without a two working day notice with a two working day notice 0.0% of the above the limit, min. 0 0.0% of the above the limit, min. 5 0.50% of the above the limit, min. 0 0.0% of the above the limit, min. 5 For deposits opened after 08.0.0.5.. up to 000 / 500 currency units no commission no commission.5.. above 000 / 500 currency units without a two working day notice with a two working day notice 0.0% of the above the limit, min. 6 0.0% of the above the limit, min. 0.50% of the above the limit, min. EUR 0.0% of the above the limit, min. EUR.50.6. Cash withdrawal from authorized loans, granted to current accounts.6.. up to 000 / 500 currency units.00 no commission.6.. above 000 / 500 currency units without a two working day notice with a two working day notice 0.50% of the above the limit, min. 0 0.0% of the above the limit, min. 6 0.50% of the above the limit, min. EUR 0.0% of the above the limit, min. EUR.50.7. Cash withdrawal from authorized loans, granted to savings accounts: with differentiated interest accrual / Beneficial Account no commission no commission.8. Cash withdrawal in currency other than the currency of the account no commission no commission.9. Cash requested in writing but not withdrawn****.00% of the.00% of the.0. Cash withdrawal with a card, issued by another payment institution, at a POS terminal.00%, min. 0 Processing of Cash, which is not deposited on an Account.. Replacement of damaged and unusable Bulgarian banknotes.00% of the, min. 0 Sales of Foreign Currency*** no commission Note: When the deposit is a combination of banknotes and coins, the Bank collects fees according to item. and item.. * The limits specified under items and for depositing and withdrawing cash are daily and the of cash commissions are calculated based on the total of all cash transactions during the day for cash deposits and cash withdrawals from each operation separately. **The applicable fees and commissions for withdrawal from deposit accounts on the maturity date are valid also for deposits which allow withdrawal on interim dates during the term of the deposit. ***The Bank buys and sells currency at the announced exchanged rates. Deviations from the rates are permitted only after agreement with the Markets and Liquidity Directorate. ****The fess under item.9 are not applied for s of term deposits. 5 dated 9

SECTION III: BANK TRANSFERS Intrabank Transfers.. Outgoing Transfers... Credit Transfers... Transfers between accounts of the same holder paper order no commission no commission electronic order no commission no commission... between accounts of different holders paper order.00 EUR.00 electronic order 0.50 EUR.50... Cash Transfers To a CIBANK account of a territorial directorate of the National Revenue Agency (social security contributions and... tax liabilities of individuals) up to,000.00 above,000.00 +.00% of the above 000 To a CIBANK account of a territorial directorate of the National Revenue Agency (social security contributions and... tax liabilities of individuals), deposited in an office of the Bank, located at premises of a territorial directorate of the National Revenue Agency up to,000 no commission above,000 no commission... To a CIBANK budget account by a multiple payment order up to,000.00 above,000.00 +.00% of the above 000... To a CIBANK account of budget spending units (fines and penal provisions) up to,000.00 above,000.00 +.00% of the above 000...5. To a CIBANK account of TBI Credit EAD (payment of installments under contracts).00.. Incoming Transfers no commission no commission Interbank Transfers.. Outgoing Transfers in National Currency... Cash Transfers... through BISERA (for s up to 00 000) 0.50% of the, min. 6... through RINGS (for s up to / above 00 000) 0.60% of the, min. 5 To an account of a territorial directorate of the National Revenue Agency (social security contributions and tax... liabilities of individuals) held with another bank, deposited in an office of CIBANK, located at premises of a 0.0% of the, min. 6 territorial directorate of the National Revenue Agency... To a budget account held with another bank by a multiple payment order 0.50% of the, min. 0... Credit Transfers... through BISERA (for s up to 00 000) paper order.0 electronic order.00... through RINGS (for s up to / above 00 000) paper order.00 electronic order 8.00... Multiple payments from/to the budget paper order.50 electronic order.0... Change in the original order (at the request of the payer) 5.00.. Outgoing transfers in foreign currency... with SPOT value date ( working days) paper order electronic order... with TOM value date (next working day) paper order electronic order... with a value date ON THE SAME WORKING DAY paper order electronic order... Change in the original order (at the request of the payer)..5. Cancellation of an ordered transfer at the request of the payer..6. Returned transfer (not at fault in the Bank)..7. Enquiries about incorrectly received transfers to correspondent banks..8. SWIFT expenses for all types of messages 0.5% of the transfer, min. EUR 5, max. EUR 00 0.0% of the transfer, min. EUR 0, max. EUR 50 0.5% of the transfer, min. EUR 5, max. EUR 50 0.0% of the transfer, min. EUR 0, max. EUR 00 0.0% of the transfer, min. EUR 0, max. EUR 00 0.5% of the transfer, min. EUR 5, max. EUR 50 EUR 0.00 + commission of the correspondent banks (if any) + SWIFT EUR 0.00 + commission of the correspondent banks (if any) + SWIFT 0.0% of the transfer, min. EUR 0, max. EUR 00 EUR 5.00 + commission of the correspondent banks (if any) + SWIFT as per Section ХI - OTHER SERVICES, t. of the present Tariff 6 dated 9

SECTION III: BANK TRANSFERS.. Incoming Transfers in National Currency no commission.. Incoming Transfers in Foreign Currency... up to EUR 00 or the equivalent in foreign currency no commission... above EUR 00 or the equivalent in foreign currency 0.0% of the transfer, min. EUR 0, max. EUR 00... Returned transfer (not at fault in the Bank) EUR 0.00 + SWIFT Direct Debit.. Provision of Consent.. Initiation of Direct Debit Orders... on an account at the Bank paper order.00 electronic order 0.50... on an account held at another bank paper order.00 electronic order.00.. Payments under Direct Debit Orders... intrabank transfers.00... interbank transfers.00 Standing Orders.. Registration standing orders between accounts of the same holder no commission standing orders between accounts of different holders.00.. Transfers... Intrabank Transfers transfers between accounts of the same holder no commission no commission transfers between accounts of different holders 0.50 EUR.50... Interbank transfers via BISERA.00.. Changing/ Adding Registration.00.. Refusal / Failure of a standing order due to lack of sufficient funds in an account 0.80.5. Deactivation of Registration.00 5 Utility bill payment through an account /effective from 6..05 for it. 5. - 5.5/ 5.. Registration 5.. Change and unsubscibe 5.. Monthly fee 5.. Тransfer fee, regardless of the payment method - automatic or manual acknowledgment 5.5. E-mail notification for new liability, successful or unsuccessful transfer 5.6. Utility bill payments through an account included in the packages "Classiac", "Comfort" and "Practica" (unlimited) - effective from Januari 06 0.5 Note: In case of transfers in foreign currency and instructions from the client all fees and commissions of the foreign banks to be paid by him / her, the Bank collects an additional commission apart from the commission specified in item..in accordance to the tariffs of the foreign banks. In case of payments in the country and abroad, the following value dates are applicable for payment accounts in and foreign currency in the name of local and foreign individuals: ) When a payment account of a CIBANK's client is credited, the value date is the date on which the correspondent or settlement account of the Bank is credited with the of the transfer in or foreign currency;) When a payment account of a CIBANK's client is debited, the value date is the date on which the correspondent or settlement account of the Bank is debited with the of the transfer in or foreign currency;) In case of an intrabank transfer in or foreign currency, the value date of debiting the payer's account and the value date of crediting the recipient's account are the working day on which the transfer is effected. The value date is considered an interest day. The closing date of accounts is considered an interest day for the next period. The closing date is the value date for the account balance. In case an interest account is closed during the year, the closing day is not considered an interest day. 7 dated 9

SECTION IV: BANK CARDS International Maestro debit card - not be issued after 0.05.05 according to a separate price list Appendix No International Visa Electron debit card according to a separate price list Appendix No International bank card with minimum balance and/or overdraft MasterCard Standard according to a separate price list Appendix No International bank card with minimum balance and/or overdraft Visa Classic according to a separate price list Appendix No 5 International bank card with minimum balance and/or overdraft MasterCard Gold according to a separate price list Appendix No 5 6 International revolving credit card with grace period MasterCard Standard according to a separate price list Appendix No 6 7 International revolving credit card with grace period Visa Classic according to a separate price list Appendix No 7 8 International revolving credit card with grace period MasterCard Gold according to a separate price list Appendix No 8 9 International card Debit MasterCard PayPass according to a separate price list Appendix No 9 0 Automatic utility bill payment with a bank card - "Electronic Utility Bills" /As of 6..05, the service is no longer available for new clients. The fees shall only apply to existing bank customers using the service as to 6..05 / 0.. Registration for a payment at a merchant's (one-off fee for each subscription number).00 0.. Monthly Service Fee 0.. Registration after the Card Expiry Date..00 0.. Change in data - mobile number, change in services, subscription number.00 Tariff of operator EPAY PLC for electronic payment of utility bills 0.5. SMS Notification 0.0 0.6. Email Notification 0.05 0.7. Payment with a Maestro Card 0,7% (min. 0.0) SMS notification for transactions with a bank card.. Registration of a Service on a Card.00.. Monthly Service Fee.. Registration after the Card Expiry Date.00.. Change in data - mobile number, change in services.00.5. Fee for SMS Notification of Authorization 0.5.6. Fee for SMS notification of funds available in a bank card Fees under the Priority Pass programme. Issuance of a Card. Annual fee for Membership in Priority Pass. Card Renewal after the Card Expiry Date. Card Renewal before the Card Expiry Date 5.00.5 Blocking of a Priоrity Pass Card.00.6 Visit to a VIP office, participating in the Priority Pass programme (per person) EUR.00 Fees under the Priority Traveler Programme. Issuance of a Priority Traveler Card. Annual Fee for Membership in Priority Traveler. Card Renewal after the Card Expiry Date. Card Renewal before the Card Expiry Date 5.00.5 Blocking of a Priority Traveler Card.00 Installation of POS terminal at a merchant to accept payments by payment cards. POS Terminal Installation. Express installation (up to working days for Sofia, up to 5 working days for other locations) 00.00. Monthly Support of POS. Fees and Commissions per Transaction negotiable.5 Detailed Monthly Information about Transactions by Card Types 0.00 8 dated 9

SECTION V: ONLINE BANKING - CIBANK ONLINE Registration for CIBANK ONLINE Internet banking.. Use of a Qualified/Universal Electronic Signature.. Use of a TOKEN device, when CIBANK ONLINE is used with a package programme *.. Use of a TOKEN device, when CIBANK ONLINE is not used with a package programme * 5.00.. Replacement of a TOKEN device due to damage or loss 0.00 Note: * The fees under it... and.. are collected upon replacement of a TOKEN device due to battery depletion. * The fees under it... and.. are not collected upon registration of a new / additional user at a client profile for the service, in case his/her TOKEN device is already registered in the system. Monthly Fee TOKEN device.. Failure to return a TOKEN device upon termination of a contract 0.00 Transfers.. Intrabank Transfers... Credit Transfers transfers between accounts of the same holder no commission no commission transfers between accounts of different holders 0.50 EUR.50... Direct Debit 0.50.. Interbank Transfers... Outgoing Transfers in National Currency... through BISERA (for s up to 00 000).00... through RINGS (for s up to / above 00 000) 8.00... Multiple payments from/to the budget.0... Outgoing transfers in foreign currency... with SPOT value date ( working days) 0.0% of the transfer, min. EUR 0, max. EUR 50... with TOM value date (next working day) 0.0% of the transfer, min. EUR 0, max. EUR 00... with a value date ON THE SAME WORKING DAY 0.5% of the transfer, min. EUR 5, max. EUR 50.. Utility bill payment through an account /effective from 6..05 for it... -..5/... Registration... Change and unsubscibe... Monthly fee... Тransfer fee, regardless of the payment method - automatic or manual acknowledgment..5. E-mail notification for new liability, successful or unsuccessful transfer..6. Utility bill payments through an account included in the packages "Classiac", "Comfort" and "Practica" (unlimited ) - effective from Januari 06 0.5 9 dated 9

SECTION VI: PACKAGES DYNAMICS Package*.. Purchase.. Monthly Maintenance Fee.00.. Termination CLASSIC Package Programme**.. Purchase.. Minimum Amount for Activation 5.00.. Monthly Maintenance Fee.50.. Termination 0.00 PRACTICE Package Programme**.. Purchase.. Minimum Amount for Activation 5.00.. Monthly Maintenance Fee.00.. Termination 0.00 COMFORT Package Programme**.. Purchase.. Minimum Amount for Activation 0.00.. Monthly Maintenance Fee 6.00.. Termination 0.00 5 CIPRAKTICE Package Programme 5.. Purchase 5.. Minimum Amount for Activation 0.00 5.. Monthly Maintenance Fee 6.00 5.. Termination 0.00 Note: *The Dynamics package will not be offered as of 8.07.0. **Clients who have bought a Classica, Practice or Comfort package program within the period from.07.05 to..05, will be exempt from paying the monthly package maintenance fee during the first three months of its activation. 0 dated 9

SECTION VII: LOANS Contracts for an interest rate based on BIR concluded before.07.0 Consumer Loans.. Consumer Loan under the Classic Credit Programme... Application and documents review fee 5.00... Processing and management commission.50% of the approved loan... Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan... Change in the date for payment of the monthly repayment installment 0.00..5. Change in the registered pledge of future receivables 0.00.. Consumer Loan under the Advance Credit Programme... Application and documents review fee 5.00... Processing and management commission.00% of the approved loan... Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan... Change in the date for payment of the monthly repayment installment 0.00..5. Change in the registered pledge of future receivables 0.00.. Consumer Loan under the Premium Credit Programme... Application and documents review fee 5.00... Processing and management commission.00% of the approved loan... Annual management fee 0.60% of the outstanding loan... Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan..5. Change in the date for payment of the monthly repayment installment 0.00..6. Change in the registered pledge of future receivables 0.00.. Consumer Loan under the Partners Credit Programme... Application and documents review fee 5.00... Processing and management commission.00% of the approved loan... Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan... Change in the date for payment of the monthly repayment installment 0.00..5. Change in the registered pledge of future receivables 0.00.6. Golden Age Consumer loan.6.. Application and documents review fee 0.00.6.. Processing and management commission.00% of the approved loan, but not less than 0.6.. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.6.. Change in the date for payment of the monthly repayment installment 0.00.7. Consumer Loan under the Individual Banking Programme.7.. Application and documents review fee.7.. Processing and management commission.00% of the approved loan.7.. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.8. Consumer Loan collateralized with a Pledge on a Financial Asset.8.. Application and documents review fee 5.00 EUR 8.00.8.. Processing and management commission loan loan.8.. Renegotiation of the terms and conditions of the loan 0.75% of the outstanding loan 0.75% of the outstanding loan.8.. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00.9. Consumer loan collateralized with a pledge on a financial asset under the Individual Banking Programme.9.. Application and documents review fee.9.. Processing and management commission loan loan.9.. Renegotiation of the terms and conditions of the loan 0.75% of the outstanding loan 0.75% of the outstanding loan.0. Consumer Loan under the Stimulus Credit Programme for Better Living.0.. Application and documents review fee 0.00.0.. Processing and management commission.5% of the approved loan.0.. Change in the date for payment of the monthly repayment installment 0.00.0.. Partial or full early repayment % if the remaining validity period of the loan contract at the time of repayment is longer than a year. 0.5 % if the remaining validity period of the loan contract at the time of repayment is shorter than a year... Consumer Loan under the CiProfessional Programme... Application and documents review fee 5.00... Processing and management commission.00% of the approved loan... Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan... Change in the date for payment of the monthly repayment installment 0.00.. Consumer Loan under the Energy Efficiency Credit Programme... Application and documents review fee 0.00... Processing and management commission.5% of the approved loan... Change in the date for payment of the monthly repayment installment 0.00... Change in the registered pledge of future receivables 0.00..5. Partial or full early repayment.. Consumer loan collateralized with a pledge on a financial asset under the Energy Efficiency Programme... Application and documents review fee 0.00 EUR 6.00.5% of the approved.5% of the approved... Processing and management commission loan loan... Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00 dated 9

SECTION VII: LOANS Overdraft.. Overdraft under the Classic, Advance, Premium and Partners Credit Programmes... Application and documents review fee 5.00... Processing and management commission.00% of the approved loan, but not less than 0... Renegotiation of the terms and conditions of the loan.00% of the approved loan, but not less than 0... Change in the registered pledge of future receivables 0.00.. Overdraft under the Individual Banking Programme... Application and documents review fee... Processing and management commission loan, but not less than 0... Renegotiation of the terms and conditions of the loan loan, but not less than 0.. Overdraft collateralized with a pledge on a financial asset... Application and documents review fee 5.00 EUR 8.00 / USD 8.00... Processing and management commission loan loan... Renegotiation of the terms and conditions of the loan.. Overdraft collateralized with a pledge on a financial asset under the Individual Banking Programme loan loan... Application and documents review fee... Processing and management commission loan loan... Renegotiation of the terms and conditions of the loan loan loan... Partial or full early repayment.5. Overdraft under the CiProfessional Programme.5.. Application and documents review fee 0.00.5.. Processing and management commission.50% of the approved loan.5.. Renegotiation of the terms and conditions of the loan.50% of the approved loan Mortgage Loans.. Reality Mortgage Loan... Estimated Income... Application and documents review fee 60.00 EUR 0.00... Processing and management commission.5% or.50% of the.5% or.50% of the approved loan approved loan... Annual Management Fee 0.0% 0.50%..5. Market valuation/re-valuation of the real estate offered as collateral..6. Commitment Commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-..7. Renegotiation of the Terms and Conditions of the Loan.50 % of the outstanding loan.50 % of the outstanding loan..8. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00..9. Change in the registered pledge of future receivables 0.00 EUR 0.00..0. Mortgage Deletion 0.00 EUR 5.00.. My Home Mortgage Loan... Estimated Income 0.00... Application and documents review fee EUR 0.00... Processing and management commission.5% or.50% of the approved loan... Annual management fee 0.50%..5. Market valuation/re-valuation of the real estate offered as collateral..6. Commitment commission upon disbursement within month as of the signing date of the loan contract no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part..7. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan..8. Change in the date for payment of the monthly repayment installment EUR 5.00..9. Change in the registered pledge of future receivables EUR 0.00..0. Mortgage Deletion EUR 5.00.. Mortgage Loan under the Individual Banking Programme... Estimated Income... Application and documents review fee... Processing and management commission.50% of the.50% of the approved loan approved loan... Annual management fee 0.0% 0.50%..5. Market valuation/re-valuation of the real estate offered as collateral..6. Commitment commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-..7. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.50 % of the outstanding loan..8. Change of the date for payment of the monthly repayment installment 0.00 EUR 5.00..9. Mortgage deletion 0.00 EUR 5.00.. Mortgage Loan for funding Current Needs... Estimated Income 0.00... Application and documents review fee 60.00 EUR 0.00... Processing and management commission.50% of the.50% of the approved loan approved loan... Annual management fee 0.0% 0.50%..5. Market valuation/re-valuation of the real estate offered as collateral..6. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.50 % of the outstanding loan..7. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00..8. Change in the registered pledge of future receivables 0.00 EUR 0.00..9. Mortgage Deletion 0.00 EUR 5.00 dated 9

SECTION VII: LOANS.5. Mortgage Loan for funding Current Needs under the Individual Banking Programme.5.. Estimated Income.5.. Application and documents review fee.5.. Processing and management commission.5% of the.5% of the approved loan approved loan.5.. Annual management fee 0.0% 0.50%.5.5. Market valuation/re-valuation of the real estate offered as collateral.5.6. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.50 % of the outstanding loan.5.7. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00.5.8. Mortgage Deletion 0.00 EUR 5.00.6. Advantage Mortgage Loan.6.. Estimated Income.6.. Application and documents review fee.6.. Processing and management commission.5% or.50% of the.5% or.50% of the approved loan approved loan.6.. Annual management fee 0.0% 0.50%.6.5. Market valuation/re-valuation of the real estate offered as collateral.6.6. Renegotiation of the terms and conditions of the loan.50 % of the.50 % of the outstanding loan outstanding loan.6.7. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00.6.8. Change in the registered pledge of future receivables 0.00 EUR 0.00.6.9. Commitment Commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-.6.0. Mortgage Deletion 0.00 EUR 5.00.7. Mortgage Loan under the CiProfessional Programme.7.. Application and documents review fee 0.00 EUR 0.00.7.. Processing and management commission.5% of the approved loan.5% of the approved loan.7.. Annual management fee 0.5% 0.5%.7.. Market valuation/re-valuation of the real estate offered as collateral.7.5. Commitment Commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-.7.6. Renegotiation of the terms and conditions of the loan.50 % of the.50 % of the outstanding loan outstanding loan.7.7. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.00.7.8. Mortgage Deletion 0.00 EUR 5.00.8 Refinancing a Mortgage Loan.8.. Estimated Income 0.00 EUR 5.00.8.. Application and documents review fee 50.00 EUR 5.00.8.. Processing and management commission loan loan.8.. Annual management fee 0.0% 0.50%.8.5. Market valuation/re-valuation of the real estate offered as collateral.8.6. Renegotiation of the terms and conditions of the loan.50 % of the outstanding loan.50 % of the outstanding loan.8.7. Change in the date for payment of the monthly repayment installment 0.00 EUR 5.8.8. Mortgage Deletion 0.00 EUR 5.00 Credit limit on revolving bank cards.. Credit Limit on a Revolving Credit Card MasterCard / Visa Classic / Mastercard Gold with a Grace Period... Application and documents review fee... Renegotiation of the terms and conditions of the loan... Partial or full early repayment Contracts for an interest rate based on BIR, concluded before.07.0, as well as contracts for a fixed interest rate 5 Fees charged by the Bank on non-performing loans 5. Commission for renegotiation / restructuring of bad debts of individuals Contracts for a fixed interest rate 0.50% of the renegotiated / restructured up to 500 0.50% of the renegotiated / restructured up to EUR 50 Note: Interest rates on loans granted by the Bank in national and foreign currency are calculated on a 65/65 days basis for consumer loans, overdrafts and revolving credit cards and on a 60/60 days basis for loans with mortgage collateral. Interest rates on loans granted by the Bank in national and foreign currency are calculated and collected in the currency in which they have been used. In case of breach of the terms and conditions for repayment or other conditions of the loan contract, the Bank collects penalty charge, the of which is specified in the loan contract. As of.07.0, we suspend the following programmes: Consumer loan under the Classic credit programme, overdraft under the Classic credit programme, consumer loan under the Stimulus credit programme for better living, consumer loan under the Energy Efficiency credit programme, consumer loan collateralized with a pledge on a financial asset under the Energy Efficiency Programme, advantage mortgage loan, my home mortgage loan *CIBANK considers non-performing any loans for which there is an indication for deterioration or loans, which are not repaid in accordance with the contract signed for their disbursement. dated 9

SECTION VII: LOANS Contracts for interest rate based on RIR, concluded after 5.09.0 Consumer Loans.. Consumer Loan under the Advance, Premium, Partners and CiProfessional Credit Programmes... Fee for application, analysis and assessment of creditworthiness - for loans up to 5 000... Fee for application, analysis and assessment of creditworthiness - for loans from 5 00 to 0 000... Fee for application, analysis and assessment of creditworthiness - for loans in the of 0 00 or more 5.00 payable in two parts: 5.00 upon applying for a loan 00.00 after signing a loan contract 85.00 - payable in two parts: * 5.00 - upon applying for a loan; ** 50.00 - after signing a loan contract 5.00 - payable in two parts: * 5.00 - upon applying for a loan; ** 00.00 - after signing a loan contract.. Consumer loan collateralized with a pledge on a financial asset... Fee for application, analysis and assessment of creditworthiness 5.00 payable in two parts: 5.00 upon applying for a loan 00.00 after signing a loan contract.. Golden Age Consumer loan... Reviewing of documents for a loan 5.00 Overdraft.. Overdraft under the Advance, Premium, Partners and CiProfessional Credit Programmes and Overdraft collateralized with a pledge on a financial asset... Reviewing of documents for a loan 5.00 Mortgage Loans.. Reality Mortgage Loan, Mortgage Loan under the CiProfessional Programme and Mortgage Loan for funding Current Needs... Reviewing of documents for a loan in the period from 0..05 to.0.06... Reviewing of documents for a loan 60.00 EUR 0.00... Market valuation/re-valuation of the real estate offered as collateral... Commitment commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-... Mortgage Deletion 0.00 EUR 5.00. Refinancing a Mortgage Loan... Reviewing of documents for a loan in the period from 0..05 to.0.06... Reviewing of documents for a loan 60.00 EUR 0.00... Market valuation/re-valuation of the real estate offered as collateral... Commitment Commission upon disbursement within month as of the signing date of the loan contract no commission no commission upon disbursement after month as of the signing date of the loan contract 0.50% per annum of the nondisbursed part disbursed part 0.50% per annum of the non-... Mortgage Deletion 0.00 EUR 5.00 Contracts for a fixed interest rate Credit limit on revolving bank cards.. Credit Limit on a Revolving Credit Card MasterCard / Visa Classic / Mastercard Gold with a Grace Period... Reviewing of documents for a loan 5.00... Renegotiation of the terms and conditions of the loan... Partial or full early repayment Contracts for an interest rate based on RIR, concluded after.07.0, as well as contracts for a fixed interest rate 5 Fees charged by the Bank on non-performing loans 5. Commission for renegotiation / restructuring of bad debts of individuals 0.50% of the renegotiated / restructured up to 500 0.50% of the renegotiated / restructured up to EUR 50 Note: Interest rates on loans granted by the Bank in national and foreign currency are calculated on a 65/65 days basis for consumer loans, overdrafts and revolving credit cards and on a 60/60 days basis for loans with mortgage collateral. Interest rates on loans granted by the Bank in national and foreign currency are calculated and collected in the currency in which they have been used. In case of breach of the terms and conditions for repayment or other conditions of the loan contract, the Bank collects penalty charge, the of which is specified in the loan contract. *CIBANK considers non-performing any loans for which there is an indication for deterioration or loans, which are not repaid in accordance with the contract signed for their disbursement. dated 9

SECTION VIII: CHEQUES /revoked with Minutes No 7/5..0 of the Management Board, in force as of 0..0/ SECTION IX: SECURITIES AND CUSTODY SERVICES Securities.. Opening of a client sub-account for corporate securities 0.70.. Issuance of depository receipts for corporate securities 0.50.. Transfer to execute a client order for corporate securities.00.. Transfer to execute a client order for corporate securities of non-public companies 0.00.5. Transfer of a client sub-account for corporate securities to another investment agent 0.00.6. Brokerage commissions for executed client order on the stock exchange.6.. shares.00% of the transaction, min. 5.6.. government securities 0.05% of the transaction, min. 5.6.. corporate and municipal bonds 0.0% of the transaction, min. 5.6.. other securities 0.5% of the transaction, min. 5.7. Additional fee for executed client order for deals on the Bulgarian stock exchange 0.0% of the transaction.8. Registration of deals at the Central Depository, concluded between clients of the Bank (each party is charged) 0.00.9. Deals for custody management of funds negotiable.0. Underwriting of corporate securities issues negotiable Government Securities.. Transactions with government securities... Approved orders on the primary market 0.0% of the par value... Non-approved orders on the primary market 6.00... For deals under Art.8 from Ordinance No 5 of the Bulgarian National Bank (transfer or purchase of government securities from individuals or legal entities).00... For deals under Art. 0, Paragraph from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities from individuals or legal entities to another primary dealer) 6.00..5...6. For deals under Art. 0, Paragraph from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities from individuals or legal entities from the register of the Bank to a register of another primary dealer) For deals under Art. 0, Paragraph from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities owned by individuals or legal entities to another person, whose register is at another primary dealer) 5.00 5.00..7. For deals in government securities, used for participation in the privatization 0.00..8. For each deal in government securities, which includes a participation of a foreign investor in government securities 5.00..9. For payments upon maturity of issues and interest payments 0.0% of the par value or the of the interest payment..0. Issuance and Replacement of a Certificate.50... Issuance or Replacement of a Certificate for Target Issue of Government Securities.00.. Deals in government securities, concluded with non- primary dealers of government securities... Maintenance of a register 50.00 per month... For approved orders 0.0% of the par value... For non-approved orders 6.00.....5...6...7...8...9. For deals under Art., Paragraph 6 from Ordinance No 5 of the Bulgarian National Bank (transfer or purchase of government securities from non-primary dealers of government securities) For deals under Art., Paragraph 7 from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities from non-primary dealer to a primary dealer) For deals under Art., Paragraph 8 from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities owned by a non-primary dealer from the register of the bank to a register of a primary dealer) For deals under Art., Paragraph 9 from Ordinance No 5 of the Bulgarian National Bank (transfer of government securities owned by a non-primary dealer, to another non-primary dealer, whose register is at another primary dealer) For deals under Art., Paragraph from Ordinance No 5 of the Bulgarian National Bank (deals in government securities between a non-primary dealer and an individual or a legal entity registered in the bank) For deals under Art., Paragraph from Ordinance No 5 of the Bulgarian National Bank (deals in government securities between a non-primary dealer and an individual or a legal entity registered in the bank and in another primary dealer)..0. For payments upon maturity of issues and interest payments:.. Establishment of pledges of government securities under the Law on Special Pledges State fees according to a tariff approved by the Council of Ministers are charged for the registration of circumstances related to established pledges of government securities under the Law on Special Pledges 7.00 7.00 7.00 7.00.00 7.00 0.0% of the par value or the of the interest payment 5 dated 9

SECTION IX: SECURITIES AND CUSTODY SERVICES Agent commissions for the purchase/sale of compensatory instruments for cash and for exchange of compensatory instruments for shares.. Deals in compensatory instruments for cash 0.50% of the par value, min. 0.. Deals in exchange of compensatory instruments for shares.00% of the par value, min. 0 Custody Services.. Opening an account for safekeeping securities Government securities 0.00 Corporate securities 0.00.. Safekeeping securities... Securities with fixed revenue - annual fee min. 50.00 per month par value in from 0 to 500,000 0.0% par value in from 500,000 to,000,000 0.5% par value in from,000,000 to 5,000,000 0.0% par value above 5,000,000 0.05%... Shares - Annual Fee min. 0.00 per month market value in from 0 to 500,000 0.5% market value in from 500,000 to,000,000 0.0% market value in from,000,000 to 5,000,000 0.5% market value above 5,000,000 0.0%.. Account statements for safekeeping securities regular monthly statement non regular statement 0.00.. Transfers of securities Government securities 0.00 Corporate securities 0.00.5. Other Custody Services Notice of corporate actions (per event) 5.00 Collection of dividends and interest (per event) 50.00 Voting at a General Meeting 00,00 Note: Upon "purchase" of corporate securities, unless otherwise agreed, the client deposits 00% of the price of each ordered share and the of commissions payable. A "price at the discretion of the bank" means: the price limited by the client; the last traded quotation; "purchase" price of CIBANK. 6 dated 9

SECTION X: VAULT Renting out a bank safe deposit box in a public safety vault*.. Small safe deposit box (0 cm) for month 5.00 for months 50.00 for 6 months 75.00 for months 5,00.. Medium safe deposit box (0 cm) for month 5.00 for months 60.00 for 6 months 85,00 for months 5,00.. Large safe deposit box (0 cm) for month 5,00 for months 70,00 for 6 months 95,00 for months 55,00 Visits to the vault.. Visits, included in the contract for renting a safe deposit box month contract month contract 6 month contract month contract 8.. Visits, not included in the contract - unlimited number (per visit)*.50 Loss/damage of one/ two key/s of the tenant all costs related to the replacement of the lock Release / signing of a new contract for renting a safe deposit box.00 Note: *The fees referred to in item and item are minimal; the fee for a public vault in a bank branch can be higher than those specified in the Tariff. 7 dated 9

SECTION XI: OTHER SERVICES Written reports on bank operations and copies requested by the client, including a copy of the account statement (per case) for the current year.00 EUR 0.00 for a previous year.00 EUR 5.00 Certificates.. Issuance of a certificate to the Tax Authority 5.00.. Issuance of a certificate to certify an account balance 0.00.. Issuance of a certificate for the remaining balance on a loan account (credit account) 60.00.. Issuance of a certificate to a borrower for tax relief purposes 0.00.5. Issuance of other certificates 0.00 Enquiries about ordered or expected receipt of transfers to correspondent banks (upon request of a client) EUR 5.00 SWIFT expenses for all types of massages (porto) EUR 0.00 per page 5 Corrections related to bookkeeping (at the request of the payer/recipient) EUR 0.00 6 (SMS/email) e-notification 6. Registration for SMS notification 6.. Registration for e-mail notification annual fee of 5.00 (regardless of the number of registered events and notifications sent) 6.. Monthly Service Fee 6.. Change in the Registration Data.00 6.5. Price for SMS packages.00-0 SME notifications 5.00-0 SMS notifications SMS 7 Others Provision of information from the Central Credit Register about the credit debts of clients - individuals or inheritors 7. of individuals being borrowers from CIBANK - at their request 7. Fax services for sending documents per page abroad 7... Emailing scanned documents 0.00.00 (per document in ) EUR.00 per page EUR 0.00 per page.00 (per document in foreign currency) 7. Special courier services used special courier 7. Consultation on monetary, financial, market and other studies negotiable 7.5 Collection of information on persons abroad (at the request of a client) EUR 5.00 + real expenses 7.6 Fee for reduction of the interest margin proposed by the Bank 50.00 8 dated 9