TARIFF Fees and Commissions Tariff of Raiffeisenbank (Bulgaria) EAD for Individual clients In force as of

TARIFF Fees and Commissions Tariff of Raiffeisenbank (Bulgaria) EAD for Individual clients In force as of 07.04.2017

Table of contents: Chapter One: Services in local currency 1. Current Accounts, Term Deposits and Special Accounts 2. Cash Transactions 3. Payments 4. Direct Debit 5. Utility Payments 6. Loans Chapter Two: Services in Foreign Currency 1. Current Accounts, Term Deposits and Special Accounts 2. Cash Transactions 3. Payments 4. Cheques in Foreign Currency 5. Loans 6. Currency Exchange Chapter Three: Bank Cards Services 1. International debit cards Maestro/VISA Electron 2. International debit cards VISA Classic/MasterCard Standard 3. International contactless MasterCard Debit/VISA Electron 4. International contactless VISA Classic 5. RaiCARD/RaiCARD + Dir.bg Credit Cards 6. International credit cards VISA Classic/Billa-Visa Classic/MasterCard Standard 7. International credit cards UNIQA MasterCard 8. International credit cards VISA Gold/MasterCard Gold 9. International contactless credit card VISA Classic/Billa-Visa Classic 10. International contactless credit card RaiCARD Fix 11. International contactless credit card MasterCard Gold 12. International contactless credit card VISA Platinum 13. Terminal device services Chapter Four: Bundles of payment services 1. Current account with debit card Plus 2. Account For salary 3. Comfort bundle 4. Premium bundle 5. Student banking bundle 6. Current account / Current account + bundle 7. Raiffeisen Exclusive Silver / Raiffeisen Exclusive Silver + Bundle Chapter Five: Securities Transactions 1. Securities deals and Maintenance of securities subaccounts 2. Securities Investment Service Chapter Six: Payment account with basic features Chapter Seven: Miscellaneous Chapter Eight: General Provisions Fees and Commissions Tariff for Individual clients 1

Chapter One: Services in local currency 1. Current Accounts, Term Deposits and Special Accounts 1.1. Opening 1.1.1. Current accounts BGN 5 1.1.2. Current account with debit card BGN 2 1.1.3. Term deposits/deposit with account 1.1.4. Special accounts By arrangement 1.1.5. Saving account Perspective 1.1.6. Saving account Premium 1.1.7. Account servicing investment in collective investment schemes offered or distributed by the bank 1.2. Minimum Balance required 1.2.1. Current accounts BGN 20 1.2.2. Current accounts with debit card Maestro/Visa Electron None 1.2.3. Current accounts with debit card Visa Classic/MasterCard Standard BGN 10 1.2.4. Term deposits/deposit with account As per the official interest rates bulletin of RBBG, currently in force 1.2.5. Special accounts By arrangement 1.2.6. Saving account Perspective As per the official interest rates bulletin of RBBG, currently in force 1.2.7. Saving Account No limits ( No limitations ) As per the official interest rates bulletin of RBBG, currently in force 1.2.8. Deposit account on Saving program BGN 5, not obligatory at the time of account opening 1.2.9. Saving account Premium As per the official interest rates bulletin of RBBG, currently in force 1.3. Maintenance of current accounts BGN 2.50 per month 1.4. Maintenance of current accounts with debit card BGN 1.70 per month 1.5. Maintenance of current accounts Premium Gold BGN 10 per month 1.6. Maintenance of Saving account Perspective 1.6.1. for salary clients/clients who receive regular monthly income over BGN 6 per year BGN 145 1.6.2. for non-salary clients/clients who don t receive regular montly BGN 18 per year income over BGN 145 * 1.6.3. authomatic transfers to Saving account Perspective 1.7. Maintenance of Saving account No limits ( No limitations ) 1.8. Monthly / Annual fee for maintenance of Saving account Premium BGN 10 / BGN 100 1.9. Maintenance of Account servicing investment in collective investment schemes offered or distributed by the bank 1.10. Interest rates 1.10.1. Credit interest As per the official interest rates bulletin of RBBG, currently in force 1.10.2. Debit interest By arrangement 1. The Product Saving account No limits ( No limitations ) is closed for sales from 20.04.2015. The product Saving program is closed for sales from 01.08.2015. All fees and commissions in the Tariff are applicable only for saving accounts No limits ( No limitations ) opened before 20.04.2015 and Deposit accounts on "Saving program" opened before 01.08.2015. 2. Overdraft is allowed only subject to prior arrangement with Raiffeisenbank (Bulgaria). * For existing customers comes into force after deduction of the first annual fee. 1.11 Closure of current accounts 1.11.1. Current accounts opened up to 12 months before the account closure BGN 10 date 1.11.2. Current accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month. Fees and Commissions Tariff for Individual clients 2

1.12. Closure of current accounts with debit card 1.13. Closure of Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium 1.13.1. Accounts opened up to 12 months before the account closure date BGN 15 1.13.2. Accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month. 1.14. Closure of Saving program 1.14.1 Accounts opened up to 12 months before the account closure date BGN 2 1.14.2. Accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month. 1.15. Information related with executed payment services 1.15.1. Using Raiffeisen e-statements 1.15.2. Paper statements, once per month 1.15.3. Paper statements, more frequently than once per month BGN 1 For Account servicing investment in collective investment schemes offered or distributed by the bank apply minumum balance under p.1.2.1 and fee for closure under p.1.11. 2. Cash Transactions 2.1. Cash withdrawals of bank notes and coins 2.1.1. Cash withdrawals of bank notes 2.1.1.1. From Current or Special Accounts* Up to BGN 2,000 incl. (daily limit) Over BGN 2,000 BGN 2 per transaction 0.4% on the amount exceeding the daily limit, min. BGN 5, max BGN 800 2.1.1.2. From Saving account Perspective 0.5% on the total amount, min. BGN 2, max BGN 800 in the open period for cash withdrawals 2.1.1.3. From Saving account No limits ( No limitations )/ Saving account Premium 2.1.1.4. From the deposit account on the Saving program Up to BGN 2,000 incl. (daily limit) Over BGN 2,000 0.4% on the total amount, min. BGN 1, max BGN 800 BGN 2 per transaction 0.4% on the amount exceeding the daily limit, min. BGN 5, max BGN 800 2.1.1.5. From Term Deposits and Deposit with account at maturity (In condition of submitted written prenotice for withdrawal of amounts over BGN 5,000) 2.1.1.6. From Term Deposits and Deposit with account prior to maturity, for withdrawal or final termination Up to BGN 2,000 incl. (daily limit) Over BGN 2,000 2.1.1.7. Of amount under Incoming payments in favour of non-clients of RBBG BGN 2 per transaction 0.4% on the amount exceeding the daily limit, min. BGN 5, max BGN 800 2% on the amount of transfer, min BGN 80 2.1.1.8. Of cash previously ordered and not withdrawn 0.4% on the non-withdrawn amount 2.1.1.9. Of amounts with no pre-notice Up to BGN 5,000 incl. as per Chapter I, art.2.1.1.1., 2.1.1.2., 2.1.1.3., 2.1.1.4., 2.1.1.5. and 2.1.1.6. Over BGN 5,000 Over BGN 5,000 from Saving account Perspective 0.4% on the amount exceeding the amount of the prenotice, min. BGN 15, max. BGN 800 0.5% on the amount exceeding the amount of the prenotice, min. BGN 15, max. BGN 800 2.1.2. Cash withdrawals of coins from Current or Special Accounts and Saving account No limits ( No limitations ) / Saving account Premium Up to BGN 10 incl. (daily limit) Over BGN 10 3% on the amount exceeding BGN 10, min. BGN 2 Notes: 1. A written pre-notice should be submitted not later than 12:00 o clock on the previous business day for withdrawals over BGN 5,000. The service as per art.2.1.1.9. is provided in case the bank office could cover the necessary amount in cash. 2. On cash disbursement of loans, the commission as per Chapter I, art. 2.1.1 is not due. 3. The commission under p.2.1.1.9. is due for amounts with no pre- notice in the respective branch. 4. Open periods are defined according General conditions for keeping and servicing Saving account Perspective. Fees and Commissions Tariff for Individual clients 3

5. The commission for cash withdraw of amounts with no pre- notice over BGN 5,000 is valid for withdrawаls from Saving account Perspective in the open periods. 6. The commission under p. 2.1.2 Cash withdrawals of coins from Current or Special Accounts and Saving account No limits / Saving account Premium is due when withdrawing over BGN 10 in coins and is collected in addition to the commission as per p.2.1.1. 7. For cash withdrawals from Deposit with account after maturity date the commission under p.2.1.1.1 is applicable. * The fee is not applicable for Account servicing investment in collective investment schemes offered or distributed by the Bank where more than 12 months from the date of initial investment, conducted in the account have passed. 2.2. Cash deposits of banknotes and coins 2.2.1. Of banknotes 2.2.1.1. To Current or Special accounts* Up to BGN 2,000 incl. (daily limit) Over BGN 2,000 2.2.1.2. To Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium / Deposit account On Saving program/ Deposit with account 0.1% on the amount exceeding the daily limit, max BGN 200 2.2.1.3. To Child deposit 2.2.1.4. To Term Deposits 2.2.1.5. To Term Deposits terminated prior to maturity with aim increasing the deposit amount 2.2.1.6. Of Banknotes not sorted in wads 100 pieces each, by denomination, face upwards, same side up 2.2.2. Of coins Up to BGN 10 incl. (daily limit) 0.4% on the total amount in addition to the commission in p.2.2.1.1., Over BGN 10 5% on the amount exceeding BGN 10, min. BGN 10 2.3. Cash payment by third parties private individuals and companies in favour of RBBG s clients private individuals 0.2% on the total amount, min BGN 3 1. For cash payments (cash deposits), ordered by third parties with details of the payment loan/credit card installment the fee is acc. Chapter I, art. 2.2. 2. On exceeding the daily cash deposit/withdrawal limit, the Bank collects the due commissions for amounts exceeding the limit automatically. 3. The commissions in p. 2, including min and max, are calculated for each cash operation for the day, separately for deposits and withdrawals, according to the currency of the operation (NOT according the currency of the account from which the operations are made). 4. The commission under p. 2.2.2 Cash deposits of coins is due when withdrawing over BGN 10 in coins and is collected in addition to the commission as per p.2.2.1 or 2.3 5. Commission under p.2.2.2. is not due for cash deposits of coins in Child Deposit. * The fee does not apply to Account servicing investment in collective investment schemes offered or distributed by the Bank for cash deposits of funds for buying stocks and shares from collective investment schemes offered or distributed by the Bank. 3. Payments 3.1. Incoming payments from other banks 1. Value date on the beneficiary s account: the value date of the crediting the funds to the settlement account of RBBG at the Central Bank / nostro account. 2. Cut-off time for processing payments on the same business day as per Chapter VIII, art. 7 3.2. Outgoing payments to beneficiaries at other banks 3.2.1. Payments initiated through the Interbank Settlement System BISERA Outgoing payments ordered in paper form BGN 2.50 Outgoing payments ordered electronically BGN 0.80 3.2.2.. Payments initiated through the Interbank Settlement System BISERA from Saving account Perspective Outgoing payments ordered in paper form BGN 4 Outgoing payments ordered electronically BGN 2 3.2.3. Payments initiated through the Real Time Gross Settlement System RINGS Outgoing payments ordered in paper form BGN 16 Outgoing payments ordered electronically BGN 13 3.2.4. Payment order to the budget (multiple entries) initiated through the Interbank Settlement System BISERA Every payment in the payment order is charged separately, according item. 3.2.1. from current Tariff Fees and Commissions Tariff for Individual clients 4

3.2.5. Payment order to the budget (multiple entries) initiated through the Real Time Gross Settlement System RINGS 3.2.6. Cash payments, ordered by third parties - Private individuals 3.2.6.1. Payments initiated through the Interbank Settlement System BISERA 3.2.6.2. Payment order to the budget (multiple entries) initiated through the Interbank Settlement System BISERA 3.2.6.3. Payments initiated through the Real Time Gross Settlement System RINGS 3.2.6.4. Payment order to the budget (multiple entries) initiated through the Real Time Gross Settlement System RINGS Every payment in the payment order is charged separately, according item 3.2.3. from current Tariff 0.7%, min. BGN 6 BGN 2.50 per each concequtive payment entry in a payment order in the addition to the commission in p. 3.2.6.1. 0.8%, min. BGN 16 BGN 16 per each concequtive payment entry in a payment order in the addition to the commission in p. 3.2.6.3. 1. Value date for remitter s account: the day of payment processing. 2. Cut-off time for acceptance of orders for processing on the same business day as per Chapter VIII, art.6.1.1 and art.6.1.2. 3. In addition of the commission under p. 3.2.6 is applied and commission under p. 2.2.1.1. 3.3. Intrabank transfers 3.3.1. Intrabank payments ordered in paper form BGN 1 3.3.2. Intrabank payments ordered electronically BGN 0.40 3.3.3. Intrabank payments ordered in paper form from Saving account Perspective 3.3.4. Intrabank payments ordered electronically from Saving account Perspective 3.3.5. For Payment order to the budget (multiple entries) ordered in paper form or electronically 3.3.6. For payments when the account holder of both accounts is the same person 3.3.6.1. For payments, ordered in paper form from Saving account Perspective, when the account holder of both accounts is the same person 3.3.6.2. For payments, ordered electronically from Saving account Perspective, when the account holder of both accounts is the same person BGN 2 BGN 1 Every payment in the payment order is charged separately BGN 2 BGN 1 1. Charges for intrabank payments are borne by the ordering customer. Receipts of intrabank payments are not charged. 2. For payments between joint account and single account when the account holder of the single account is one of the account holders of the joint account or vise versa, the fee under p. 3.3.1, 3.3.2. or 3.3.5. is applied. Value date for remitter s and beneficiary s accounts the date of accepting the payment order subject to availability of sufficient funds on the remitter s account and on adherence to the cut-off time for processing on the same business day as per Chapter VIII, art. 6.1 and art. 7.2. 3.4. Details' changing or cancellation of already ordered payments upon customer s request for internal payments BGN 5 for outgoing payments to other banks BGN 15 Fees and Commissions Tariff for Individual clients 5

4. Direct Debit 4.1. Receiving Direct debit Consent BGN 1 4.2. Direct debit request, initiated by RBBG through the interbank settlement system BISERA on demand of the bank s customer 4.2.1. Ordered in paper form BGN 2.50 4.2.2. Ordered electronically BGN 1 4.3. Received rejection for direct debit request, initiated by RBBG through the interbank settlement system BISERA 4.4. Payment performed by RBBG on direct debit request, initiated by another bank through the interbank settlement system BISERA BGN 2 4.4.1. Up to BGN 100 000, performed through BISERA BGN 2.50 4.4.2. BGN 100 000 or over, performed through RINGS BGN 16 4.5. Rejection sent by RBBG on direct debit request, initiated by another bank through the inter bank settlement system BISERA 4.6. Direct debit requests between clients of RBBG 4.6.1. Requests initiated by RBBG s customer (to RBBG s customer) ordered in paper form 4.6.2. Requests initiated by RBBG s customer (to RBBG s customer) ordered electronically 4.6.3. Payment performed by RBBG s customer (on demand of RBBG s customer) BGN 2 BGN 1 BGN 0.50 BGN 1 4.6.4. Rejection of Direct debit request BGN 2 The fee is booked: From the payee s account in case of: absence of deposited Direct Debit Consent request for cancellation failure to comply with the Consent s conditions From the payer s account in case of: unsufficient funds request for rejection Raiffeisenbank (Bulgaria) EAD rejects a debit request not later than the sixth day from the date of receiving the direct debit request, if the payer has not deposited a prior agreement or there is not enough coverage of the amount specified in the direct debit order on the payer s account. 5. Utility Payments 5.1. Single payment BGN 0.25 per payment 5.2. 5 payments bundle BGN 2 per month 5.3. 10 payments bundle BGN 3 per month The fees in art.5.2. and 5.3. are valid only for bundles opened before 01.11.2013. 6. Loans As per the official published "Terms and conditions conserning loan products". Fees and Commissions Tariff for Individual clients 6

Chapter Two: Services in Foreign Currency 1. Current Accounts, Term Deposits and Special Accounts 1.1. Opening 1.1.1. Current accounts EUR 2 1.1.2. Current account with debit card EUR 1 1.1.3. Term Deposits/Deposit with account 1.1.4. Special accounts By arrangement 1.1.5. Saving account Perspective 1.1.6. Saving account Premium 1.1.7. Account servicing investment in collective investment schemes offered or distributed by the bank 1.2. Minimum Balance required 1.2.1. Current accounts EUR 25 1.2.2. Current accounts with debit card Visa Electron None 1.2.3. Current accounts with debit card Visa Classic/MasterCard Standard EUR 5 1.2.4. Term deposits/deposit with account As per the official interest rates bulletin of RBBG, currently in force 1.2.5. Special accounts By arrangement 1.2.6. Saving account Perspective As per the official interest rates bulletin of RBBG, currently in force 1.2.7. Saving Account No limits ( No limitations ) As per the official interest rates bulletin of RBBG, currently in force 1.2.8. Saving account Premium As per the official interest rates bulletin of RBBG, currently in force 1.3. Maintenance of current accounts EUR 1.50 per month 1.4. Maintenance of current accounts with debit card EUR 0.9 per month 1.5. Maintenance of current accounts Premium Gold EUR 5 per month 1.6. Maintenance of Saving account Perspective 1.6.1. for salary clients/clients who receive regular montly income over BGN 145 EUR 3 per year 1.6.2. for non-salary clients/clients who don t receive regular montly income over BGN 145 * EUR 9 per year 1.6.3. Authomatic transfers to Saving account Perspective 1.7. Maintenance of Saving account No limits ( No limitations ) 1.8. Monthly / Annual fee for maintenance of Saving account Premium 1.9. Maintenance of Account servicing investment in collective investment schemes offered or distributed by the bank 1.10. Interest EUR 5 / EUR 50 1.10.1. Credit interest As per the official interest rates bulletin of RBBG, currently in force 1.10.2. Debit interest By arrangement Overdraft is allowed only subject to prior arrangement with Raiffeisenbank (Bulgaria) EAD. * For existing customers comes into force after deduction of the first annual fee. 1.11. Closure of Current account 1.11.1 Current accounts opened up to 12 months before the account closure date 1.11.2. Current accounts opened over 12 months before the account closure date EUR 5 1.12. Closure of Current accounts with debit card 1.13. Closure of Saving account Perspective / Saving account No limits ( No limitations ) / Saving account Premium 1.13.1. Accounts opened up to 12 months before the account closure date EUR 10 1.13.2. Accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month. Fees and Commissions Tariff for Individual clients 7

1.14. Information related with executed payment services 1.14.1. Using Raiffeisen e-statements 1.14.2. Paper statements, once per month 1.14.3. Paper statements, more frequently than once per month EUR 0.50 For Account servicing investment in collective investment schemes offered or distributed by the bank apply minumum balance under p.1.2.1 and fee for closure under p.1.11. 2. Cash Transactions 2.1. Cash withdrawals of banknotes 2.1.1. From Current or Special Accounts* Up to EUR 1,000 incl. (daily limit) Over EUR 1,000 EUR 1 per transaction 0.55% on the amount exceeding the daily limit, min. EUR 3, max EUR 400 2.1.2. From Saving account Perspective 0.60% on the total amount, min. EUR 1,max EUR 400 in the open period for cash withdrawals 2.1.3. From Saving account No limits ( No limitations ) / Saving account Premium 0.55% on the total amount, min. EUR 0.50,max EUR 400 2.1.4. From Term Deposits and Deposit with account at maturity (In condition of submitted written prenotice for withdrawal of amounts over EUR 3,000) 2.1.5. From Term Deposits and Deposit with account prior to maturity, for partial withdrawal or final termination Up to EUR 1,000 incl. (daily limit) Over EUR 1,000 EUR 1 per transaction 0.55% on the amount exceeding the daily limit, min. EUR 3, max EUR 400 2.1.6. Of amount under Incoming payments in favour of non-customers 2% on the payment amount, min. EUR 40 2.1.7. Of cash previously ordered but not withdrawn 0.55% on the non-withdrawn amount 2.1.8. Of amounts with no pre-notice Up to EUR 3,000 Over EUR 3,000 Over EUR 3,000 from Saving account Perspective as per Chapter II, art.2.1.1, 2.1.2., 2.1.3., 2.1.4. and 2.1.5. 0.55% on the amount exceeding the amount of the prenotice, min. EUR 10, max. EUR 400 0.60% on the amount exceeding the amount of the prenotice, min. EUR 10, max. EUR 400 1. A written pre-notice should be submitted not later than 12:00 o clock two business days in advance for cash withdrawals exceeding EUR 3000 or its equivalent in other foreign currency. The service as per art. 2.1.8. is provided in case the bank office could cover the necessary amount in cash. 2. On cash disbursement of loans, the commission as per Chapter II, art. 2.1.1 is not due. 3. The commission under p.2.1.8. is due for the respective branch. 4. Open periods are defined according General conditions for keeping and servicing Saving account Perspective 5. The commission for cash withdraw of amounts with no pre- notice over EUR 3,000 is valid and for withdraws from Saving account Perspective in the open periods. 6. For cash withdrawals from Deposit with account after maturity date commission under p.2.1.1 is applicable. * Fee is not applicable for Account servicing investment in collective investment schemes offered or distributed by the bank in cases that there have been more that 12 months from the date of initial investment, conducted in the account. Fees and Commissions Tariff for Individual clients 8

2.2. Cash deposits of banknotes 2.2.1. To Current or Special accounts * Up to EUR 1,000 incl. (daily limit) Over EUR 1,000 2.2.2. To Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium / Deposit with account 0.3% on the amount exceeding the daily limit, max. EUR 100 2.2.3. To Term Deposits 2.2.4. To Term Deposits prior to maturity, (to increase the deposit amount) 2.2.5. To Child deposit 2.2.6. Of banknotes not sorted in wads of 100 pieces each, by denomination, face upwards undirectionally 0.6% on the total amount in addition to the commissions in p. 2.2.1. 2.2.7. Deposit of banknotes in bad condition 2% on the total amount of the damaged banknotes, min. EUR 3 2.3. Cash payment by third parties (private individuals and companies) in favour of RBBG s customers (private individuals) 0.35% on the total amount, min EUR 3 1. For cash payments (cash deposits), ordered by third parties with details of the payment loan/credit card installment the fee is acc. Chapter II, art. 2.2. 2. On exceeding the daily cash deposit/withdrawal limit, the Bank collects the due commissions for amounts exceeding the limit automatically. 3. The commissions in p. 2, including min and max, are calculated for each cash operation for the day, separately for deposits and withdrawals, according to the currency of the operation (NOT according the currency of the account from which the operations are made). * The fee does not apply to Account servicing investment in collective investment schemes offered or distributed by the bank for cash deposits of funds for buying stocks and shares from collective investment schemes offered and distributed by the bank. 3. Payments 3.1. Incoming Payments from other banks in favour of customers of RBBG 3.1.1. Up to EUR 100 3.1.2. Over EUR 100 0.10%+EUR 6, max. EUR 90 1. Value date on the beneficiary s account: the value date of crediting the funds in RBBG s nostro account. 2. Cut-off time for processing payments received on the same business day as per Chapter VIII, art. 7.1.1. 3.2. Outgoing payments to beneficiaries at other banks: 3.2.1. Outgoing payments to countries from the European Economic Area 3.2.1.1. Outgoing payments in EUR Outgoing payments ordered electronically Next-day value date 0.15%, min. EUR 15, max. EUR 200; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 Outgoing payments ordered in paper form Value date 2 business days forward (spot value date) 0.2%, min. EUR 17, max. EUR 300; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 3.2.1.2. Outgoing payments in USD Outgoing payments ordered electronically Value date 2 business days forward (spot value date) 0.15%, min. EUR 15, max. EUR 200; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 Outgoing payments ordered in paper form Value date 2 business days forward (spot value date) 0.2%, min. EUR 17, max. EUR 300; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 Fees and Commissions Tariff for Individual clients 9

3.2.1.3. Outgoing payments in currencies different from EUR and USD Outgoing payments ordered electronically Value date 2 business days forward (spot value date) 0.15%, min. EUR 15, max. EUR 200; + EUR 9 Next-day value date (upon agreement with the Bank) Outgoing payments ordered in paper form 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Value date 2 business days forward (spot value date) 0.2%, min. EUR 17, max. EUR 300; + EUR 9 Next-day value date (upon agreement with the Bank) 3.2.2. Outgoing payments to countries outside the European Economic Area 3.2.2.1. Outgoing payments in EUR and USD 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Outgoing payments ordered electronically Value date 2 business days forward (spot value date) 0.15%, min. EUR 15, max. EUR 200; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 Outgoing payments ordered in paper form Value date 2 business days forward (spot value date) 0.2%, min. EUR 17, max. EUR 300; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Same-day value date 0.4%, min. EUR 50, max. EUR 500; + EUR 9 3.2.2.2. Outgoing payments in currencies different from EUR and USD Outgoing payments ordered electronically Value date 2 business days forward (spot value date) 0.15%, min. EUR 15, max. EUR 200; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 (upon agreement with the Bank) Outgoing payments ordered in paper form Value date 2 business days forward (spot value date) 0.2%, min. EUR 17, max. EUR 300; + EUR 9 Next-day value date 0.3%, min. EUR 30, max. EUR 500; + EUR 9 (upon agreement with the Bank) 3.2.3. Cash payments, ordered by third parties - Private individuals 3.2.3.1. Value date 2 business days forward (spot value date) 0.35%, min. EUR 25, max. EUR 300; + EUR 9 3.2.3.2. Next-day value date (for currencies other than USD and EUR upon 0.45%, min. EUR 35, max. EUR 500; + EUR 9 agreement with RBBG) 3.2.3.3. Same-day value date (USD and EUR only) 0.5%, min. EUR 60, max. EUR 500; + EUR 9 1. For payments with commission option Our - actual correspondent/receivable bank fees are charged in addition to the commissions under art. 3.2 Outgoing payments to other banks 2. For payments ordered with charges option OUR, in currencies different from EUR, USD, TRY, GBP, SEK, NOK, CHF, BGN, DKK, JPY, RUB, RON and PLN, an additional fee of EUR 7 is collected. 3. "For payments in USD ordered with charging option OUR and to an USD correspondent bank of Raiffeisenbank (Bulgaria) EAD, an additional fee ""OUR guaranteed"" is collected, as follows: For amounts up to USD 30 000.00 - USD 20 For amounts from USD 30 000.01 to USD 60 000.00 - USD 25 For amounts above USD 60 000.01 - USD 30 In such cases there are no additional costs for the transfer, including also the correspondent bank charges. The "OUR guaranteed" service is applied to ensure the transferred amount against payment of additional fees of other correspondent banks and guarantees that the payment in USD will be processed by the correspondent bank of Raiffeisenbank (Bulgaria) EAD in USA without collecting any charges in order the "OUR" clause to be kept. Due to the specific banking practices of US banks, it is possible the beneficiary's bank or his intermediary bank to deduct charges from the amount of the transfer, notwithstanding the ordering party has declared by option "OUR" to bear all charges for the transfer. 1. Value date for the remitter s account: the day of transfer processing. 2. Cut-off time for acceptance of orders for processing on the same business day as per Chapter VIII, art. 6.2. 3. Raiffeisenbank (Bulgaria) EAD offers outgoing payments to other banks in AUD, CAD, CZK, CNY, INR and more than 100 other currencies, also incoming payments from other banks in AUD, CAD, CZK, HUF and more than 35 other currencies, which will be processed and exchanged in the currency of the account hold with The Bank at the exchange rate valid at the time of confirmation by the correspondent bank, at which the currency exchange is executed. 4. In addition of the commission under p. 3.2.3 is applied and commission under p. 2.2.1. Fees and Commissions Tariff for Individual clients 10

3.3. Intrabank transfers 3.3.1. Intrabank payments ordered in paper form EUR 3 3.3.2. Intrabank payments ordered electronically EUR 1.50 3.3.3. Intrabank payments ordered in paper form from Saving account EUR 4 Perspective 3.3.4. Intrabank payments ordered electronically from Saving account EUR 2.5 Perspective 3.3.5. For payments when the account holder of both accounts is the same person 3.3.5.1. For payments, ordered in paper form from Saving account Perspective, when the account holder of both accounts is the same person EUR 4 3.3.5.2. For payments, ordered electronically from Saving account Perspective, when the account holder of both accounts is the same person EUR 2.5 1. Charges for intrabank payments are borne by the ordering customer. Receipts of intrabank payments are not charged. 2. For payments between joint account and single account when the account holder of the single account is one of the account holders of the joint account or vise versa, the fee under p. 3.3.1 or 3.3.2. is applied. Value date for the remitter s and beneficiary s accounts the date of acceptance of the payment order, subject to availability of sufficient funds on remitter s account and adherence to the cut-off time for same-day processing as per Chapter VIII, art. 6.2.2 and art. 7.2. 3.4. Details' changing or cancellation of payments upon customer s request for internal payments EUR 5 for outgoing payments to other banks EUR 45 3.5. Investigation for outgoing/ incoming payment EUR 20 4. Cheques in Foreign Currency 4.1. Collection of cheques 4.1.1. Drawn on RBBG 0.1%, min. EUR 10 4.1.2. Drawn on other banks 0.3%, min. EUR 25 4.2. Cheques returned unpaid EUR 15 per cheque 4.3. Issue of cheques/drafts 0.2%, min. EUR 15, max. EUR 450 4.4. Cancellation of cheque/bank draft, issued by RBBG EUR 15 per cheque For processing of cheques, bank fees of other banks are charged in addition to commissions as per art. 4. RBBG reserves its right to block EUR 50 from the current account balance of the client for satisfying expense payment claims of correspondent banks in case of a returned unpaid cheques. According to the requirements of the foreign Banks and the rules for collection of cheques of RBBG the bank collects additional commission for courier fees in case the processing of the cheque requires courier s service. This note applies to 4.1.2. Drawn on other banks. 5. Loans The conditions on loans, interest and fees are published in the document "Terms and conditions conserning loan products". 6. Currency Exchange 6.1. Currency Exchange According to the officially announced FX rates of RBBG 1. RBBG proposes spot, forward and swap deals and options. In currency operations over BGN 10,000 or the equivalent in other currency, the client may negotiate individual rates with the Capital Markets Sales Department. No commission is collected for currency exchange. 2. All phone calls with the Capital Markets Sales Department are recorded. Fees and Commissions Tariff for Individual clients 11

Chapter Three: Bank Cards Services 1. International debit cards Maestro/VISA Electron 1.1. Card issuance, renewal 1.2. Express card issuance BGN 10 1.3. Card re-issuing before expiry BGN 5 1.4. Annual card maintenance fee 1.5. Payment services within the country 1.5.1. Payment of goods and services 1.5.2. Withdrawal through ATM of RBBG BGN 0.20 1.5.3. Cash deposits through ATM of RBBG 0.05% min. BGN 0.20 1.5.4. Withdrawal through ATM of other banks BGN 0.98 1.5.5. Withdrawal through POS of RBBG 0.1% min. BGN 1 1.5.6. Withdrawal through POS of other bank BGN 5 +1% 1.5.7. Withdrawal through POS terminal at merchants BGN 0.20* 1.5.8. ATM transfer between accounts with RBBG BGN 0.20 ** 1.5.9. ATM transfer to an account with other bank BGN 0.80 ** 1.6. Payment services abroad 1.6.1. Payment of goods and services 1.6.2. Withdrawal through ATM/POS BGN 5 +1% 1.6.3. Receipt of funds on card through POS (credit refund) 1% 1.6.4. Currency convertion fee 1%**** 1.7. Other services within the country 1.7.1. Balance enquiry through ATM/POS BGN 0.20 1.7.2. Balance enquiry through ATM for the last 5 transactions BGN 0.20 1.7.3. Change of PIN BGN 0.20 1.8. Other services abroad 1.8.1. Balance enquiry through ATM BGN 1*** 1.9. Issuance/Generation of new PIN code BGN 3*** 1.10. Card delivery at another office of RBBG BGN 5 1.11. Card account statement upon request at an office of RBBG 1.12. Change of cardholder s details/card parameters 1.13. Change of card operational limits BGN 2 1.14. Card blocking 1.15. Card activation BGN 1 1.16. Registration for the SMS service BGN 3 1.17. Registration for the Automatic Bill Payment service BGN 1** 1.18. Unreasonable claims on transaction BGN 5 1. The value of fees and commissions in USD and EUR can be calculated by dividing the BGN value in 2. 2. For clients with debit card Maestro issued, included in the Saving program, the fees as per Chapter I of the current Tariff apply. * Offered for Maestro and Visa Electron only, combined with POS payments of goods and services in merchants with MAESTRO CASH BACK/VISA CASH BACK trade mark. Maximum amount to be withdrawed BGN 50 ** Offered for Maestro only *** Offered for Visa electron only **** For transactions different from BGN and EUR 2. International debit cards VISA Classic/MasterCard Standard 2.1. Card issuance, renewal 2.2. Express card issuance BGN 10 2.3. Card re-issuing before expiry BGN 10 2.4. Annual card maintenance fee BGN 20 2.5. Payment services within the country 2.5.1. Payment of of goods and services 2.5.2. Withdrawal through ATM of RBBG BGN 0.80 2.5.3. Cash deposits through ATM of RBBG 0.05% min. BGN 0.20 2.5.4. Withdrawal through ATM of other banks BGN 1.20 2.5.5. Withdrawal through POS of RBBG 0.1% min. BGN 2 2.5.6. Withdrawal through POS of other banks BGN 5 +1% 2.5.7. Withdrawal through POS terminal at merchants BGN 0.20* Fees and Commissions Tariff for Individual clients 12

2.6. Payment services abroad 2.6.1. Payment of goods and services 2.6.2. Withdrawal through ATM/POS BGN 5 +1% 2.6.3. Receipt of funds on card through POS credit refund) 1% 2.6.4. Currency convertion fee 1%** 2.7. Other services within the country 2.7.1. Balance enquiry through ATM/POS BGN 0.20 2.7.2. Balance enquiry through ATM for the last 5 transactions BGN 0.20 2.7.3. Change of PIN BGN 0.20 2.8. Other services abroad 2.8.1. Balance enquiry through ATM BGN 1*** 2.9. Issuance/Generation of new PIN code BGN 5 2.10. Card delivery at another office of RBBG BGN 5 2.11. Card account statement upon request at an office of RBBG 2.12. Change of cardholder s details/ card parameters 2.13. Change of card operational limits BGN 5 2.14. Card blocking 2.15. Card activation BGN 5 2.16. Registration for the SMS service BGN 3 2.17. Unreasonable claims on transaction BGN 10 * Offered for Visa Classic only, combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. ** For transactions different from BGN and EUR. *** Offered for VISA Classic only. 3. International contactless MasterCard Debit/VISA Electron 3.1. Card issuance, renewal 3.2. Express card issuance BGN 10 / EUR 5 / USD 6.67 / GBP 4 3.3. Card re-issuing before expiry BGN 5 / EUR 2.50 / USD 3.34 / GBP 2 3.4. Annual card maintenance fee 3.4.1. Annual card maintenance fee -main card BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 3.4.2. Annual card maintenance fee - additional card BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 3.5. Payment services within the country 3.5.1. Payment of goods and services 3.5.2. Withdrawal through ATM of RBBG BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 3.5.3. Withdrawal through ATM of other banks BGN 0.98 / EUR 0.49 / USD 0.65 / GBP 0.39 3.5.4. Withdrawal through POS of RBBG BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 3.5.5. Withdrawal through POS of other bank BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 3.5.6. Cash Withdrawal through POS terminal (cashback) at merchants BGN 0.20* / EUR 0.10 / USD 0.14 / GBP 0.08 3.5.7. Cash deposits through ATM of RBBG 0.05 % min. BGN 0.20 3.6. Payment services abroad 3.6.1. Payment of goods and services 3.6.2. Withdrawal through ATM/POS BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 3.6.3. Receipt of funds on card through POS (credit refund) 1% 3.6.4. Balance enquiry through ATM BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 3.7. Other services within the country 3.7.1. Balance enquiry through ATM/POS BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 3.7.2. Change of PIN 3.7.3. Issuance/Generation of new PIN code BGN 3 / EUR 1.50 / USD 2 / GBP 1.20 3.7.4. Card activation after entering 3 wrong PINs BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 3.7.5. Card delivery to another RBBG branch BGN 5 / EUR 2.50 / USD 3.34 / GBP 2 3.7.6. Card account statement upon request at an office of RBBG 3.7.7. Change of cardholder s details/card parameters 3.7.8. Change of card operational limits BGN 2 / EUR 1 / USD 1.34 / GBP 0.80 3.7.9. Card blocking BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 3.7.10. Card activation 3.7.11. Registration for the SMS/e-mail service BGN 3 / EUR 1.50 / USD 2 / GBP 1.20 Fees and Commissions Tariff for Individual clients 13

3.7.12. SMS notification monthly fee BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 3.7.13. Unreasonable claims on transaction BGN 10 / EUR 5 / USD 6.67 / GBP 4 * Offered for Visa Classic only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. 4. International contactless VISA Classic 4.1. Card issuance, renewal 4.2. Express card issuance BGN 10 / EUR 5 / USD 6.67 / GBP 4 4.3. Card re-issuing before expiry BGN 10 / EUR 5 / USD 6.67 / GBP 4 4.4. Annual card maintenance fee 4.4.1. Annual card maintenance fee -main card BGN 20 / EUR 10 / USD 13.34 / GBP 8 4.4.2. Annual card maintenance fee - additional card BGN 1/EUR 0.50/USD 0.67/GBP 0.40 4.5. Payment services within the country 4.5.1. Payment of goods and services 4.5.2. Withdrawal through ATM of RBBG BGN 0.80 / EUR 0.40 / USD 0.53 / GBP 0.32 4.5.3. Withdrawal through ATM of other banks BGN 1.20 / EUR 0.60 / USD 0.80 / GBP 0.48 4.5.4. Withdrawal through POS of RBBG BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 4.5.5. Withdrawal through POS of other bank BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 4.5.6. Cash Withdrawal through POS terminal (cashback) at merchants BGN 0.20* / EUR 0.10 / USD 0.14 / GBP 0.08 4.5.7. Cash deposits through ATM of RBBG 0.05 % min. BGN 0.20 4.6. Payment services abroad 4.6.1. Payment of goods and services 4.6.2. Withdrawal through ATM/POS BGN 5 +1% / EUR 2.50 +1% / USD 3.34 +1% / GBP 2 +1% 4.6.3. Receipt of funds on card through POS (credit refund) 1% 4.6.4. Balance enquiry through ATM BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 4.7. Other services within the country 4.7.1. Balance enquiry through ATM/POS BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 4.7.2. Change of PIN 4.7.3. Issuance/Generation of new PIN code BGN 3 / EUR 1.50 / USD 2 / GBP 1.20 4.7.4. Card activation after entering 3 wrong PINs BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 4.7.5. Card delivery to another RBBG branch BGN 5 / EUR 2.50 / USD 3.34 / GBP 2 4.7.6. Card account statement upon request at an office of RBBG 4.7.7. Change of cardholder s details/card parameters 4.7.8. Change of card operational limits BGN 2 / EUR 1 / USD 1.34 / GBP 0.80 4.7.9. Card blocking BGN 1 / EUR 0.50 / USD 0.67 / GBP 0.40 4.7.10. Card activation 4.7.11. Registration for the SMS/e-mail service BGN 3 / EUR 1.50 / USD 2 / GBP 1.20 4.7.12. SMS notification monthly fee BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 4.7.13. Unreasonable claims on transaction BGN 10 / EUR 5 / USD 6.67 / GBP 4 * Offered for Visa Classic only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. 5. RaiCARD/RaiCARD + Dir.bg Credit Cards 5.1. Cash withdrawal limit 100% of the credit limit 5.2. Minimum payment 5%, min. BGN 25 5.3. Interest rate upon purchase 18.50% yearly 5.4. Interest rate upon withdrawal 18.50% yearly 5.5. Discount for purchase/payment within the country 1% of the amount 5.6. Account opening 5.7. Card issuance, renewal 5.8. Card re-issuing before expiry BGN 5 5.9. Annual card maintenance fee BGN 25 5.10. Payment services within the country 5.10.1. Payment of goods and services 5.10.2. Withdrawal through ATM of RBBG 1.5%, min. BGN 3 5.10.3. Cash deposits through ATM of RBBG 0.05% min. BGN 0.20 5.10.4. Withdrawal through ATM of other banks 1.5%, min. BGN 5 Fees and Commissions Tariff for Individual clients 14

5.10.5. Withdrawal through POS of RBBG 1.5%, min. BGN 3 5.10.6. Withdrawal through POS of other banks 1.5%, min. BGN 5 5.11. Other services within the country 5.11.1. Balance enquiry through ATM/POS BGN 0.10 5.11.2. Balance enquiry through ATM for the last 5 transactions BGN 0.10 5.11.3. Change of PIN code 5.12. Card delivery at another office of RBBG BGN 5 5.13. Monthly statement 5.14. Statement upon request at an office of RBBG 5.15. Change of cardholder s details, card parameters 5.16. Change of card operational limits BGN 5 5.17. Card blocking BGN 1 5.18. Card activation BGN 1 5.19. Registration for the SMS service BGN 3 5.20. SMS nofitications for minimum payment on credit card 5.21. Registration for the Automatic Bill Payment service BGN 1 5.22. Unreasonable claim on transaction BGN 5 5.23. Fee for non-revolving of the monthly payment within the contractual term BGN 12 5.24. Overlimit on credit card As per Chapter III, art.3.3 and art.3.4 on annual basis + 8% extra 5.25. Account closure 5.26. Credit interest Not applicable 6. International credit cards VISA Classic/Billa-Visa Classic/MasterCard Standard 6.1. Cash withdrawal limit 100% of the credit limit 6.2. Minimum payment 5%, min. BGN 10 6.3. Interest rate upon purchase/payment (yearly) 6.3.1. Visa Classic/MasterCard Standard 17.80% 6.3.2. Billa-Visa Classic 13.80% for purchase in Billa 17.80% for purchase out of Billa 6.4. Interest rate upon cash withdrawal (yearly) 17.80% 6.5. Discount for purchase/payment within the country 6.5.1. Visa Classic/MasterCrad Standard 1% of the amount 6.5.2. Billa-Visa Classic 2% for purchase in Billa, without discount at other merchants 6.6. Card issuance, renewal 6.7. Card re-issuing before expiry BGN 20 6.8. Monthly/Annual card maintenance fee BGN 4.40/BGN 44* 6.9. Monthly/Annual card maintenance fee for additional card BGN 2.6/BGN 26 6.10. Payment services within the country 6.10.1. Payment of goods and services 6.10.2. Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 6.10.3. Withdrawal through ATM/POS of other banks 1.5%+BGN 5 6.11. Payment services abroad 6.11.1. Payment of goods and services 6.11.2. Withdrawal through ATM/POS 3%+BGN 7 6.11.3. Receipt of funds on card through POS (credit refund) 1% 6.11.4. Currency convertion fee 2%** 6.12. Other services 6.12.1. Balance enquiry through ATM/POS BGN 1 6.13. Generation of a new PIN code BGN 5 6.14. Monthly statement 6.15. Statement upon request at an office of RBBG 6.16. Change of credit/operational limit BGN 10 6.17. Card blocking BGN 10 6.18. Card activation after past due payment BGN 5 6.19. Card activation after entering 3 wrong PINs BGN 5 Fees and Commissions Tariff for Individual clients 15

6.20. Unreasonable claim on transaction BGN 10 6.21. Compensation for delay (at annual base) 10% 6.22. Overlimit on credit card BGN 20 6.23. Account closure 6.24. Credit intereset Not applicable 6.25. SMS/E-MAIL notification annual fee 6.26. SMS notification for transaction/card authorization 6.27. Е-MAIL notification on transaction/card authorization 6.28. SMS notification for deposited/inbound amounts on card 6.29. Е-MAIL notification for deposited/inbound amounts on card 6.30. SMS/E-MAIL notification for the minimum payment on credit * Only monthly maintanace fee is applicable on Billa- Visa Classic ** For transactions different from BGN and EUR 7. International credit cards UNIQA MasterCard 7.1. Cash withdrawal limit 100% of the credit limit 7.2. Minimum payment Insurance installment+5%, min. BGN10 7.3. Interest rate upon purchase/payment (yearly) 15.80% for purchase in UNIQA AD 17.80% for purchase out UNIQA AD 7.4. Interest rate upon cash withdrawal (yearly) 17.80% 7.5. Interest rate for Insurance installment 0 % 7.6. Card issuance, renewal 7.7. Card re-issuing before expiry BGN 20 7.8. Monthly card maintenance fee BGN 3.80 7.9. Payment services within the country 7.9.1. Payment of goods and services 7.9.2. Withdrawal through ATM/POS of RBBG 1.5%, min. BGN 3 7.9.3. Withdrawal through ATM/POS of other banks 1.5%, min. BGN 5 7.10. Payment services abroad 7.10.1. Payment of goods and services 7.10.2. Withdrawal through ATM/POS 3% min. BGN 10 7.10.3. Receipt of funds on card through POS (credit refund) 1% 7.10.4. Currency convertion fee 2%* 7.11. Other services 7.11.1. Balance enquiry through ATM/POS BGN 1 7.12. Generation of a new PIN code BGN 5 7.13. Monthly statement 7.14. Statement upon request at an office of RBBG 7.15. Change of credit/operational limit BGN 10 7.16. Installment plan change BGN 5 7.17. Card blocking BGN 10 7.18. Card activation after past due payment BGN 5 7.19. Card activation after entering 3 wrong PINs BGN 5 7.20. Unreasonable claim on transaction BGN 10 7.21. Compensation for delay (at annual base) 10% 7.22. Fee for cardholder s credit review BGN 9.80 7.23. Overlimit on credit card BGN 20 7.24. Account closure 7.25. Credit intereset Not applicable 7.26. SMS/E-MAIL notification annual fee 7.27. SMS notification for transaction/card authorization 7.28. Е-MAIL notification on transaction/card authorization 7.29. SMS notification for deposited/inbound amounts on card 7.30. Е-MAIL notification for deposited/inbound amounts on card 7.31. SMS/E-MAIL notification for the minimum payment on credit card * For transactions different from BGN and EUR Fees and Commissions Tariff for Individual clients 16

8. International credit cards VISA Gold/MasterCard Gold 8.1. Cash withdrawal limit 100% of the credit limit 8.2. Minimum payment 5%, min. BGN 10 8.3. Interest rate upon purchase/payment (yearly) 16.80% 8.4. Interest rate upon withdrawal (yearly) 16.80% 8.5. Discount for purchase/payment within the country 1% of the amount 8.6. Card issuance, renewal 8.7. Card re-issuing before expiry BGN 30 8.8. Monthly/Annual card maintenance fee BGN 9.40/BGN 94 8.9. Monthly/Annual card maintenance fee for additional card BGN 5.6 / BGN 56 8.10. Payment services within the country 8.10.1. Payment of goods and services 8.10.2. Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 8.10.3. Withdrawal through ATM/POS of other banks 1.5%+BGN 5 8.11. Payment services abroad 8.11.1. Payment of goods and services abroad 8.11.2. Withdrawal through ATM/POS 3%+BGN 7 8.11.3. Receipt of funds on card through POS (credit refund) 1% 8.11.4. Currency convertion fee 2%* 8.12. Other services 8.12.1. Balance enquiry through ATM/POS BGN 1 8.13. Generation of a new PIN code BGN 5 8.14. Monthly statement 8.15. Statement upon request at an office of RBBG 8.16. Change of credit/operational limits BGN 10 8.17. Card blocking BGN 10 8.18. Card activation after past due payment BGN 5 8.19. Card activation after entering 3 wrong PINs BGN 5 8.20. Unreasonable claim on transaction BGN 10 8.21. Compensation for delay (on annual base) 10% 8.22. Overlimit on credit card BGN 20 8.23. Account closure 8.24. Credit interest Not applicable 8.25. SMS/E-MAIL notification annual fee 8.26. SMS notification for transaction/card authorization 8.27. Е-MAIL notification on transaction/card authorization 8.28. SMS notification for deposited/inbound amounts on card 8.29. Е-MAIL notification for deposited/inbound amounts on card 8.30. SMS/E-MAIL notification for the minimum payment on credit card * For transactions different from BGN and EUR 9. International contactless credit cards VISA Classic/Billa-Visa Classic 9.1. Cash withdrawal limit 100% of the credit limit 9.2. Minimum payment 5%, min. BGN 10/ EUR 5 9.3. Interest rate upon purchase/payment (yearly) 9.3.1. Visa Classic 18.90% 9.3.2. Billa-Visa Classic 14.90% for purchase in Billa 18.90% for purchase out of Billa 9.4. Interest rate upon cash withdrawal (yearly) 18.90% 9.5. Discount for purchase/payment within the country for Billa-Visa Classic 2% for purchase in Billa, without discount at other merchants 9.6. Card issuance, renewal 9.7. Express card issuance BGN 10 / EUR 5 9.8. Card re-issuing before expiry BGN 20 / EUR 10 9.9. Monthly/Annual card maintenance fee BGN 4.40/BGN 44* EUR 2.20 / EUR 22 9.10. Monthly/Annual card maintenance fee for additional card BGN 2.6/BGN 26 EUR1.30 / EUR 13 Fees and Commissions Tariff for Individual clients 17

9.11. Payment services within the country 9.11.1. Payment of goods and services 9.11.2. Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 / 1.5% + EUR 1.50 9.11.3. Withdrawal through ATM/POS of other banks 1.5%+BGN 5 / 1.5% + EUR 2.50 9 11.4. Cash Withdrawal through POS terminal (cashback) at merchants 1 %** 9.12. Payment services abroad 9.12.1. Payment of goods and services 9.12.2. Withdrawal through ATM/POS 3%+BGN 7 / 3% + EUR 3.50 9.12.3. Receipt of funds on card through POS (credit refund) 1% 9.13. Other services 9.13.1. Balance enquiry through ATM/POS BGN 1 / EUR 0.50 9.14. Generation of a new PIN code BGN 5 / EUR 2.50 9.15. Monthly statement 9.16. Statement upon request at an office of RBBG 9.17. Change of credit/operational limit BGN 10 / EUR 5 9.18. Card blocking BGN 10 / EUR 5 9.19. Creditworthiness review Fee BGN 10 / EUR 5 9.20. Card activation after entering 3 wrong PINs BGN 5 / EUR 2.50 9.21. Card delivery to another RBBG branch BGN 10 / EUR 5 9.22. Unreasonable claim on transaction BGN 10 / EUR 5 9.23. Compensation for delay (at annual base) 10% 9.24. Overlimit on credit card BGN 10 / EUR 5 9.25. Account closure 9.26. Credit intereset Not applicable 9.27. Annual Direct Debit Fee BGN 10 / EUR 5 Billa-Visa Classic could be issued only in BGN * Only monthly maintanace fee is applicable on Billa- Visa Classic ** Offered only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. 10. International contactless credit cards RaiCARD Fix 10.1. Cash withdrawal limit 100% of the credit limit 10.2. Fixed Minimum payment depending on the Credit limit BGN 20 (for credit limit between BGN 500-1000 ) BGN 30 (for credit limit between BGN 1001-1500 ) BGN 40 (for credit limit between BGN 1501-2000 ) BGN 60 (for credit limit between BGN 2001-3000 ) BGN 80 (for credit limit between BGN 3001-4000 ) BGN 100 (for credit limit between BGN 4001-5000) 10.3. Interest rate upon purchase/payment (yearly) 18.90 % 10.4. Interest rate upon cash withdrawal (yearly) 18.90% 10.5. Card issuance fee 10.5.1. Card issuance fee for main card BGN 45 10.5.2. Card issuance fee for additional card BGN 15 10.6. Card renewal 10.7. Express card issuance BGN 10 10.8. Card re-issuing before expiry BGN 10 10.9. Annual card maintenance fee for main card* BGN 45 10.10. Annual card maintenance fee for additional card* BGN 15 10.11. Payment services within the country 10.11.1. Payment of goods and services 10.11.2. Withdrawal through ATM/POS of RBBG BGN 5 10.11.3. Withdrawal through ATM/POS of other banks BGN 7 10. 11.4. Cash Withdrawal through POS terminal (cashback) at merchants 1 %** 10.12. Payment services abroad 10.12.1. Payment of goods and services 10.12.2. Withdrawal through ATM/POS BGN 15 10.12.3. Receipt of funds on card through POS (credit refund) 1% Fees and Commissions Tariff for Individual clients 18

10.13. Other services 10.13.1. Balance enquiry through ATM/POS 10.14. Generation of a new PIN code BGN 10 10.15. Monthly statement 10.16. Statement upon request at an office of RBBG 10.17. Change of credit/operational limit BGN 10 10.18. Card blocking BGN 10 10.19. Creditworthiness review Fee BGN 10 10.20. Card activation after entering 3 wrong PINs BGN 10 10.21. Card delivery to another RBBG branch BGN 10 10.22. Unreasonable claim on transaction BGN 10 10.23. Compensation for delay (at annual base) 10% 10.24. Overlimit on credit card BGN 10 10.25. Account closure 10.26. Credit intereset Not applicable 10.27. Annual Direct Debit Annual Fee BGN 10 * The annual fee is collected at the end of the period ** Offered only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. 11. International contactless credit cards MasterCard Gold 11.1. Cash withdrawal limit 100% of the credit limit 11.2. Minimum payment 5%, min. BGN 10 / EUR 5 11.3. Interest rate upon purchase/payment (yearly) 17.90% 11.4. Interest rate upon withdrawal (yearly) 17.90% 11.5. Card issuance, renewal 11.6. Express card issuance BGN 10 / EUR 5 11.7. Card re-issuing before expiry BGN 30 / EUR 15 11.8. Monthly/Annual card maintenance fee BGN 9.40/BGN 94 EUR 4.70 / EUR 47 11.9. Monthly/Annual card maintenance fee for additional card BGN 5.60/ BGN 56 EUR 2.8 / EUR 28 11.10. Payment services within the country 11.1.1. Payment of goods and services 11.10.2. Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 / 1.5% + EUR 1.50 11.10.3. Withdrawal through ATM/POS of other banks 1.5%+BGN 5 / 1.5% + EUR 2.50 11.10.4. Cash Withdrawal through POS terminal (cashback) at merchants 1 %* 11.11. Payment services abroad 11.11.1. Payment of goods and services abroad 11.11.2. Withdrawal through ATM/POS 3%+BGN 7 / 3% + EUR 3.50 11.11.3. Receipt of funds on card through POS (credit refund) 1% 11.12. Other services 11.12.1. Balance enquiry through ATM/POS BGN 1 / EUR 0.50 11.13. Generation of a new PIN code BGN 5 / EUR 2.50 11.14. Monthly statement 11.15. Statement upon request at an office of RBBG 11.16. Change of credit/operational limits BGN 10 / EUR 5 11.17. Card blocking BGN 10 / EUR 5 11.18 Creditworthiness review Fee BGN 10 / EUR 5 11.19. Card activation after entering 3 wrong PINs BGN 5 / EUR 2.50 11.20. Card delivery to another RBBG branch BGN 10 / EUR 5 11.21. Unreasonable claim on transaction BGN 10 / EUR 5 11.22. Compensation for delay (on annual base) 10% 11.23. Overlimit on credit card BGN 10 / EUR 5 11.24. Account closure 11.25. Credit interest Not applicable 11.26. Annual Direct Debit Annual Fee BGN 10 / EUR 5 * Offered only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. Fees and Commissions Tariff for Individual clients 19

12. International contactless credit cards VISA Platinum 12.1. Cash withdrawal limit 100% of the credit limit 12.2. Minimum payment 5%, min. BGN 10 / EUR 5 12.3. Interest rate upon purchase/payment (yearly) 16.80% 12.4. Interest rate upon withdrawal (yearly) 16.80% 12.5. Card issuance fee 12.5.1. Card issuance fee for main card BGN 260 / EUR 130 12.5.2. Card issuance fee for additional card BGN 130 / EUR 65 12.6. Card renewal 12.7. Express card issuance BGN 10 / EUR 5 12.8. Card re-issuing before expiry BGN 10 / EUR 5 12.9. Annual card maintenance fee* 12.9.1. Annual card maintenance fee for main card BGN 260 / EUR 130 12.9.2. Annual card maintenance fee for additional card BGN 130 / EUR 65 12.10. Payment services within the country 12.10.1. Payment of goods and services 12.10.2. Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 / 1.5% + EUR 1.50 12.10.3. Withdrawal through ATM/POS of other banks 1.5%+BGN 5 / 1.5% + EUR 2.50 12.10.4. Cash Withdrawal through POS terminal (cashback) at merchants 1 %** 12.11. Payment services abroad 12.11.1. Payment of goods and services abroad 12.11.2. Withdrawal through ATM/POS 3%+BGN 10 / 3% + EUR 5 12.11.3. Receipt of funds on card through POS (credit refund) 1% 12.12. Other services 12.12.1. Balance enquiry through ATM/POS 12.13. Generation of a new PIN code BGN 10 / EUR 5 12.14. Card delivery to another RBBG branch BGN 10 / EUR 5 12.15. Monthly statement 12.16. Statement upon request at an office of RBBG 12.17. Change of credit/operational limits BGN 10 / EUR 5 12.18. Card blocking BGN 10 / EUR 5 12.19. Creditworthiness review Fee BGN 10 / EUR 5 12.20. Card activation after entering 3 wrong PINs BGN 10 / EUR 5 12.21. Unreasonable claim on transaction BGN 10 / EUR 5 12.22. Compensation for delay (on annual base) 10% 12.23. Overlimit on credit card BGN 10 / EUR 5 12.24. Account closure 12.25. Credit interest Not applicable 12.26. Direct Debit Annual Fee BGN 10 / EUR 5 12.27. Visit of VIP Lounge*** EUR 28.80 * The annual fee is collected at the end of the period ** Offered only combined with payments of goods and services in merchants with VISA CASH BACK trade mark. Maximum amount to be withdrawn BGN 50. *** The fee is charged by Priority Pass Limited EUR 28.8 per person per visit (incl. VAT) 13. Terminal device services 13.1. POS withdrawal at desk of RBBG with BORICA/Maestro cards, issued by other banks in the country 13.2. POS withdrawal at desk of RBBG with VISA/MasterCard cards,issued by other banks, including Maestro cards, issued abroad BGN 3 + commission, as per Chapter I, art. 2.1.1, art. 2.1.7 and art. 2.1.8 3%, min. BGN 10 + commission, as per Chapter I, art. 2.1.1, art. 2.1.7 and art. 2.1.8 13.3. POS withdrawal at desk of RBBG cards, issued by RBBG Only card operation fee is applicable* * For withdrawals over BGN 5,000 without pre-notice, the commission per Chapter I, art. 2.1.8 is charged. 14. Delivery of an issued card abroad by special courier upon customer's request The fee is aplicable to countries in Europe BGN 100 Fees and Commissions Tariff for Individual clients 20

Chapter Four: Bundles of payment services 1. Current account with debit card Plus 1.1. Account opening 1.2. Maintenance BGN 2.45 per month 1.3. Services included in the bundle 1.3.1. Issuance and maintenance of debit card Visa Electron/Maestro/Debit MasterCard 1.3.2. Payment of goods and services with debit card 1.3.3. Withdrawal through ATM of RBBG 1.3.4. Intrabank payments in BGN via Raiffeisen Online 1.3.5. Authomatic transfers to Saving account No limits ( No limitations ) 1.4. Terminating using Current account with debit card Plus BGN 5 1. The bundle terminating fee is applicable only for bundles, opened less than 12 months before the closure date. 2. The package manintanance fee is not applicable for the package closing month. 3. Current account with debit card Plus is closed for sales from 10.10.2016. 2. Account For salary 2.1. Account opening 2.2. Maintenance fee BGN 2.60 per month for non-salary clients/clients who don t receive regular montly income over BGN 145 2.3. Included services BGN 2.90 per month 2.3.1. Issuance and maintenance of debit card Debit MasterCard 2.3.2. Card maintenance fee 2.3.3. Payment of goods and services with debit card 2.3.4. Withdrawal through ATM of RBBG 2.3.5. Intrabank payments in BGN via Raiffeisen Online 2.3.6. E-mail/SMS notification 2.4. Terminating using Account For salary BGN 5 1. The account terminating fee is applicable only for accounts, opened less than 12 months before the closure date. 2. The account maintenance fee is not applicable for the closing month. 3. The fees of all other services used with Account For salary are in accordance with the preceding chapters in the Tariff. 3. Comfort bundle 3.1. Opening of the bundle 3.2. Bundle Maintenance BGN 4.95 per month 3.3. Services included in the bundle 3.3.1. Opening and maintenance of current account with debit card Visa Electron/Maestro/Debit MasterCard 3.3.2. Opening and maintenance of current account in BGN 3.3.3. Opening and maintenance of current account in foreign currency 3.3.4. Issuance and maintenance of debit card Visa Electron/Maestro/Debit MasterCard 3.3.5. Payment of goods and services with debit card 3.3.6. Withdrawal through ATM of RBBG 3.3.7. Intrabank payments in BGN via Raiffeisen Online 3.3.8. Utility payments (3 payments per month) 3.3.9. Authomatic transfers to Saving account No limits ( No limitations ) 3.4. Terminating Current account with debit card Plus BGN 10 1. The bundle terminating fee is applicable only for bundles, opened less than 12 months before the closure date. 2. The package manintanance fee is not applicable for the package closing month. Fees and Commissions Tariff for Individual clients 21

4. Premium bundle 4.1. Opening of the bundle 4.2. Bundle Maintenance BGN 11.60/EUR 5.93 per month or BGN 127.60/EUR 65.24 per year 4.3. Services included in the bundle 4.3.1. Opening and maintenance of current account with debit card 4.3.2. Opening and maintenance of current account Premium Gold in BGN 4.3.3. Opening and maintenance of current account Premium Gold in euro 4.3.4. Issuance and maintenance of debit card Visa Electron/Maestro / Visa Classic/MasterCard Standard/ Debit MasterCard 4.3.5. Payment of goods and services with debit card 4.3.6. Withdrawal through ATM of RBBG 4.3.7. Intrabank payments in BGN via Raiffeisen Online 4.3.8. Utility payments (3 payments per month) 4.3.9. Registration for the SMS service on debit card transactions and 5 SMS monthly 4.3.10. Authomatic transfer (SWEEP) from current account Premium Gold in BGN/EUR to debit card, Deposit + or another account in BGN/EUR in RBBG 4.4. Terminating Premium Bundle BGN 10 1. The bundle terminating fee is applicable only for bundles, opened less than 12 months before the closure date. 2. The package manintanance fee is not applicable for the package closing month. Intrabank payments in BGN via Raiffeisen Online are free of charge when ordered from current accounts or current account with debit card, included in the bundle. 5. Student banking bundle 5.1. Opening of the bundle 5.2. Bundle maintenance 5.3. Services included in the bundle 5.3.1. Opening and maintenance of current account with debit card 5.3.2. Opening and maintenance of current account in BGN 5.3.3. Issuance and maintenance of debit card Visa Electron 5.3.4. Payment of goods and services with debit card 5.3.5. Withdrawal through ATM of RBBG 5.4. Terminating Student Bundle 1. Preference for current account is valid only for students under age of 26 or for the whole term of the student loan (in case the student has a student loan in RBBG). 2. Preferences for current account with debit card and debit card are valid only for students under age of 26. 3. The bundle terminating fee is applicable only for bundles, opened less than 12 months before the closure date. 4. The package manintanance fee is not applicable for the package closing month. All the services, not mentioned in this Chapter are charged according to the other chapters in the Tariff. 6. Current account / Current account + bundle 6.1. Maintenance of Current account bundle BGN 3.20 per month 6.2. Maintenance of Current account + bundle BGN 3.80/EUR 1.94 per month 6.3. Terminating using Current account / Current account + bundle BGN 10 7. Raiffeisen Exclusive Silver / Raiffeisen Exclusive Silver + Bundle 7.1. Maintenance of Raiffeisen Exclusive Silver bundle BGN 4.20 per month 7.2. Maintenance of Raiffeisen Exclusive Silver+ bundle BGN 4.80/EUR 2.45 per month 7.3. Terminating using Raiffeisen Exclusive Silver / Raiffeisen Exclusive Silver+ bundle BGN 15 1. The fees in art.1, art. 6 and art. 7 are valid only for existing bundles. 2. The bundle terminating fee is applicable only for bundles, opened less than 12 months before the closure date. 3. The package manintanance fee is not applicable for the package closing month. Fees and Commissions Tariff for Individual clients 22

Chapter Five: Securities Transactions 1. Operations with Securities and Maintenance of securities accounts 1.1. Operations with Bulgarian securities 1.1.1. Incoming transfer of Bulgarian securities to an account at Raiffeisenbank (Bulgaria) EAD EUR 5 per transfer per item 1.1.2. Outgoing transfer for Bulgarian securities EUR 25 per transfer per item 1.1.3. Deal-related transfers of Bulgarian securities to a third party custodian bank in Bulgaria 1.1.4. Maintenance of accounts for Bulgarian securities in Central Depository AD and BNB for non-professional investors EUR 5 per transfer per item 1.1.5. Outgoing transfer of Bulgarian securities to Central Depository AD ( Register A) 1.1.6. Issuing of Depository Receipt EUR 5 per receipt 1.2. Operations with foreign securities by country (place) of safekeeping* 1.2.1 Incoming and outgoing delivery and receive-free-of-payment transfers of foreign securities 0.07% p.a, charged monthly, min EUR 5 monthly (for each different place of safekeeping), calculated over average montly value of the portfolio, revalued at market prices at the end of the current month. EUR 5 per transfer per item EUR 30 per transfer per item 1.2.2. Incoming and outgoing delivery-and-receive-versus-payment transfers of securities abroad (incl. deal-related transfers) Ukraine, Russia, Kazakhstan, India, Indonesia, South Korea, EUR 100 per transfer per item 1.2.2.1. Philippines, Azerbaijan, Egypt, Montenegro Australia, Brazil, Iceland, Israel, Malaysia, Mexico, New Zealand, EUR 65 per transfer per item 1.2.2.2. Portugal, Singapore, Taiwan, Thailand Eurobonds, USA, Austria EUR 40 per transfer per item 1.2.2.3. Negotiable 1.2.2.4. Czech Republic, Serbia, Slovakia, Slovenia EUR 50 per transfer per item 1.2.2.5. Other Markets 1.2.3. Maintenance of accounts for foreign securities for non-professional investors 1.2.3.1. Bosnia & Herzegovina, Egypt, Israel, Kazakhstan, Montenegro 0.45 % p.a., charged monthly, with min EUR 5 monthly (per custodian), calculated over average montly value of the portfolio, revalued at market prices at the end of the current month. 1.2.3.2. Other Markets 0.20 % p.a., charged monthly, with min EUR 5 monthly (per custodian), calculated over average montly value of the portfolio, revalued at market prices at the end of the current month * Additional fees and commissions specific to certain markets (eg.: state taxes and fees on financial transactions and more), applicable to the transactions are a subject of expence of the client and are included in the confirmation for each specific transaction. 2. Securities Investment Service 2.1. Deals with shares, exchange traded funds and compensatory In EUR as a percentage of the deal value instruments on regulated domestic market Value of the order or reached turnover Commissions (BSE and Central Depository fees included) 2.1.1. Up to 100 000 BGN 0.80%, min EUR 8 per order 2.1.2. From 100 000 BGN to 250 000 BGN 0.65% 2.1.3. Over 250 000 BGN Negotiable 2.2. Deals with shares, exchange traded funds and compensatory instruments on regulated domestic market made via COBOS Value of the order or reached turnover 2.2.1 Up to 100 000 BGN 0.50%, min EUR 1 2.2.2 From 100 000 BGN to 250 000 BGN 0.45%, min EUR 1 2.2.3 Over 250 000 BGN Negotiable 2.2.4. Yearly fee for COBOS certificate BGN 72 incl. VAT 2.3. Deals with domestic shares and compensatory instruments on OTC market In EUR as a percentage of the deal value Commissions (BSE and Central Depository fees included) Negotiable Fees and Commissions Tariff for Individual clients 23

2.4. Deals with debt securities on regulated domestic market In EUR as a percentage of the deal value, all included Value of the order or reached turnover 2.4.1. up to 100 000 BGN 0.10%, min 30 EUR 2.4.2. between 100 000 BGN and 250 000 BGN 0.08% 2.4.3. above 250 000 BGN Negotiable 2.5. Deals with Bulgarian Government Securities issued on the domestic market Commissions (BSE and Central Depository fees included) 2.5.1. Deals on a primary market In EUR as a percentage of the nominal value of the order 2.5.1.1. For approved orders 0.05%, min EUR 50 per order 2.5.1.2. For non-approved orders EUR 3.5 per order 2.5.2. Deals on a secondary market In EUR as a percentage of the deal value 2.5.2.1. For deals with Raiffeisenbank (Bulgaria) EAD 2.5.2.2. For deals, where Raiffeisenbank (Bulgaria) EAD acts as intermediary Negotiable 2.5.3. Payment of Bulgarian Government Securities at maturity 0.02% of the nominal value 2.6. Deals with foreign Government Securities and other bonds on OTC market 2.6.1. For deals with Raiffeisenbank (Bulgaria) EAD 2.6.2. For deals, where Raiffeisenbank (Bulgaria) EAD acts as intermediary Negotiable In EUR as a percentage of the deal value 2.7. Deals with securities on foreign regulated markets In EUR as a percentage of the deal value* Market, for deals with equities, ETFs, etc. up to 100 000 EUR Commission 2.7.1 Austria 0.30%, min EUR 10 2.7.2. Germany - XETRA 0.30%, min EUR 20 2.7.3. Germany Frankfurt, Parkett, etc. 0.60%, min EUR 40 2.7.4. France, Italy, Belgium, Denmark, Finland, Netherlands, Norway, Spain, Sweden, Portugal 0.40%, min EUR 40 2.7.5. Switzerland Buy 0.37%, min EUR 40 Sell 0.30%, min EUR 40 2.7.6. Great Britain Buy - 0,90%, min GBP 40 (+ 0.5% stamp duty tax) Sell - 0.40%, min GBP 40 2.7.7. Great Britain (IOB, GDR's) 0.40%, min EUR 40 2.7.8. Ireland Buy 1.50%, min EUR 40 Sell 0.60%, min EUR 40 2.7.9. USA (Bloomberg Order Routing) 8 cents per share (USD), min USD 10** 2.7.10. Canada (Bloomberg Order Routing) 14 cents per share (CAD), min CAD 50*** 2.7.11 Japan, Singapore 1.50%, min EUR 60 2.7.12. Australia, Hong Kong Australia - 0,90%, min EUR 60 Hong Kong 0,90%, min EUR 40 2.7.13. Russia 0,50%, min USD 50 2.7.14. Greece Buy 0.60%, min EUR 60 Sell 0.90%, min EUR 60 2.7.15. Croatia, Estonia, Latvia, Lithuania, Slovakia, Slovenia 0.90%, min EUR 45 2.7.16. Poland 0.40%, min EUR 45 2.7.17. Czech Republic 0.63%, min EUR 45 2.7.18. Romania 1.26%, min EUR 60 2.7.19. Turkey 0.70%, min EUR 45 2.7.20. Other regulated markets Negotiable 2.7.21. Deals with equities, ETFs, etc. above EUR 125 000 Negotiable 2.7.22. Deals with bonds on foreign regulated markets Negotiable 2.8. Deals with exchange-traded options on equities, ETFs, etc. Negotiable 2.9. Deals with certificated issued by Raiffeisen Centrobank AG In EUR as a percentage of the deal value 2.9.1. For subscriptions on primary market Negotiable, according to product specification 2.9.2. For deals on secondary market 0.65 %, min EUR 40 Fees and Commissions Tariff for Individual clients 24

2.10. Initial Public offerings and capital increases for Bulgaria and abroad (within the scope of investment intermediary service contracts) 2.11. Participation in tender offers for Bulgaria and abroad (within the scope of investment intermediary service contracts) 2.12. Privatization deals where the payment is made in compensation vouchers Negotiable Negotiable Negotiable * Other fees and out-of-pocket expenses, specific for some markets (e.g. government transaction taxes and other fees applicable upon financial transacting, applicable to specific deals) will be passed on to the client as incurred. ** Via g.brokerage internet based trading platform 0.40%, min USD 60 (only upon exact client s specification per each order). *** Via g.brokerage internet based trading platform 0.90%, min EUR 60 (only upon exact client s specification per each order). 1. For all cases, which are not explicitly indicated in the current Tariff and/or there are other arranged conditions with the client, arranged conditions and clauses on the individual conract between the client and RBBG, are applied. 2. In Chapter Five: Securities Transactions, Point 1: Operations with Securities and Maintenance of securities accounts, taxes and commisions are pointed out in EUR, but they are calculated in the currency of the client s account, at the BNB exchange rate for the respective currency on the day of the transaction. 3. When a currency exchange related to the operations within the scope of Chapter Five: Securities Transactions, Point 2: Securities Investment Services is needed, the exchange is effected on the official Bank's "buy" or "sale" exchange rate for the respective currency for the day. Where applicable, the client might be given preferential exchange rate in line with internal bank rules. Chapter Six: Payment account with basic features 1.Opening, minimum balance and maintenance 1.1. Opening of payment account with basic features BGN 1.90 1.2. Minimum balance of payment account with basic features None 1.3. Maintenance of payment account with basic features BGN 1.50 per month 1. Overdraft is allowed only subject to prior arrangement with Raiffeisenbank (Bulgaria). 2. Closure of payment account with basic features 2.1 Accounts opened up to 12 months before the account closure date 2.2 Accounts opened over 12 months before the account closure date 1. The account manintanance fee is not applicable for the account closing month. 3. Cash transactions 3.1. Cash withdrawals from Payment account with basic features Up to BGN 1 000 incl. (daily limit) BGN 0.85 per transaction 1. For cash withdrawal of an amount over BGN 1 000, the commission is according Chapter I, p.2 и Chapter II, p.2. 3.2. Cash deposits to Payment account with basic features Up to BGN 4 600 (daily limit) Over BGN 4 600 0.09% on the amount exceeding the daily limit, max BGN 195 1. On exceeding the daily cash deposit or withdrawal limit, the Bank collects the due commissions for amounts exceeding the limit automatically. 2. The commissions in p. 3.2, including min and max, are calculated for each cash operation for the day, separately for deposits and withdrawals, according to the currency of the operation (NOT according the currency of the account from which the operations are made). 3. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter I, p. 2 and Chapter II, p. 2 shall apply. 4. Payments in local curency 4.1. Incoming payments from other banks 1. Value date on the beneficiary s account: the value date of the crediting the funds to the settlement account of RBBG at the Central Bank / nostro account. 2. Cut-off time for processing payments on the same business day as per Chapter VIII, art. 7 Fees and Commissions Tariff for Individual clients 25

4.2. Outgoing payments to beneficiaries at other banks 4.2.1. Payments initiated through the Interbank Settlement System BISERA Outgoing payments ordered in paper form BGN 2.10 Outgoing payments ordered electronically BGN 0.79 4.2.2. Payment order to the budget (multiple entries) initiated through the Interbank Settlement System BISERA, ordered in paper form or electronically Every payment in the payment order is charged separately, according item. 4.2.1 from current Tariff 1. Value date for remitter s account: the day of payment processing. 2. Cut-off time for acceptance of orders for processing on the same business day as per Chapter VIII, art.6.1.1 and art.6.1.2. 3. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter I, p. 3 shall apply. 4.3. Intrabank transfers 4.3.1. Intrabank payments ordered in paper form BGN 0.95 Intrabank payments ordered electronically BGN 0.39 4.3.2. For Payment order to the budget (multiple entries) ordered in paper form or electronically Every payment in the payment order is charged separately, according item 4.3.1 from current Tariff 1. Charges for intrabank payments are borne by the ordering customer. Receipts of intrabank payments are not charged. 2. For payments between joint account and single account when the account holder of the single account is one of the account holders of the joint account or vise versa, the fee under p. 4.3.1 or p. 4.3.2 is applied. Value date for remitter s and beneficiary s accounts the date of accepting the payment order subject to availability of sufficient funds on the remitter s account and on adherence to the cut-off time for processing on the same business day as per Chapter VIII, art. 6.1 and art. 7.2. 3. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter I, p. 3 shall apply. 5. Direct Debit 5.1. Direct debit request, initiated by RBBG through the interbank settlement system BISERA on demand of the bank s customer 5.1.1. Ordered in paper form BGN 2.50 5.1.2. Ordered electronically BGN1 5.2. Payment performed by RBBG on direct debit request, initiated by another bank through the interbank settlement system BISERA 5.2.1. Up to BGN 100 000, performed through BISERA BGN 2.10 5.3. Direct debit requests between clients of RBBG 5.3.1. Requests initiated by RBBG s customer (to RBBG s customer) ordered in paper form 5.3.2. Requests initiated by RBBG s customer (to RBBG s customer) ordered electronically 5.3.3. Payment performed by RBBG s customer (on demand of RBBG s customer) BGN 1 BGN 0.50 BGN 0.95 1. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter I, p. 4 shall apply. Raiffeisenbank (Bulgaria) EAD rejects a debit request not later than the sixth day from the date of receiving the direct debit request, if the payer has not deposited a prior agreement or there is not enough coverage of the amount specified in the direct debit order on the payer s account. Fees and Commissions Tariff for Individual clients 26

6. Payments in EUR 6.1. Incoming Payments from other banks in favour of customers of RBBG 6.1.1. Up to EUR 110 6.1.2. Over EUR 110 Up to EUR 4 647 EUR 3.60 6.1.3. Over EUR 4 647 0.09% of the amount, min. EUR 5, max. EUR 74.60 1. Value date on the beneficiary s account: the value date of crediting the funds in RBBG s nostro account. 2. Cut-off time for processing payments received on the same business day as per Chapter VIII, art. 7.1.1. 6.2. Outgoing payments to beneficiaries at other banks 6.2.1. Outgoing payments to countries from The European Union 6.2.1.1. Outgoing payments in EUR Outgoing payments ordered electronically Value date different from the same day 0.14% of the amount, min. EUR 14, max. EUR 199 Outgoing payments ordered in paper form Value date different from the same day 0.17% of the amount, min. EUR 16, max. EUR 257 6.2.2. Outgoing payments to countries outside The European Union 6.2.2.1. Outgoing payments in EUR Outgoing payments ordered electronically Value date different from the same day 0.14% of the amount, min. EUR 14, max. EUR 199 Outgoing payments ordered in paper form Value date different from the same day 0.17% of the amount, min. EUR 16, max. EUR 257 1. Value date for the remitter s account: the day of transfer processing. 2. Cut-off time for acceptance of orders for processing on the same business day as per Chapter VIII, art. 6.2. 3. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter II, p.3 shall apply. 6.3. Intrabank transfers 6.3.1. Intrabank payments ordered in paper form EUR 2.10 6.3.2. Intrabank payments ordered electronically EUR 1.10 Забележки: 1. Charges for intrabank payments are borne by the ordering customer. Receipts of intrabank payments are not charged. 2. For payments between joint account and single account when the account holder of the single account is one of the account holders of the joint account or vise versa, the fee under p. 6.3.1 or 6.3.2. is applied. Value date for remitter s and beneficiary s accounts the date of accepting the payment order subject to availability of sufficient funds on the remitter s account and on adherence to the cut-off time for processing on the same business day as per Chapter VIII, art. 6.1 and art. 7.2. 3. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter II, p. 3 shall apply. 7. International contactless MasterCard Debit 7.1. Payment services within the country 7.1.1. Payment of goods and services 7.1.2. Withdrawal through ATM of RBBG BGN 0.20 7.1.3. Withdrawal through ATM of other banks BGN 0.85 7.1.4. Withdrawal through POS of RBBG BGN 5 + 1% 7.1.5. Withdrawal through POS of other bank BGN 5 + 1% 7.6. Payment services abroad 7.6.1. Payment of goods and services 7.2.2. Withdrawal through ATM/POS BGN 4.70 + 1% Забележки: 1. For other payment services with payment account with basic features, not present in this point, the commissions in accordance with Chapter III shall apply Fees and Commissions Tariff for Individual clients 27

Chapter Seven: Miscellaneous 1. Processing of enquiries and issuing duplicates of documents pertaining to bank transactions and services 1.1. For the current year EUR 3 per enquiry/duplicate 1.2. For the previous year EUR 10 per enquiry/duplicate 1.3. For previous periods EUR 25 per enquiry/duplicate 2. Printing statements or written confirmations of account balances EUR 2 per account statement 3. Issuing bank certificates - for existence of account, number of account and amount as of certain date 3.1. Bulgarian language BGN 10 3.2. English language BGN 20 3.3. Additional fee for express issuance /same working day/ BGN 20 4. Issuing bank references - for debit and credit movements, existence of obligations and others incl. Certificate under Art. 22 of Personal Income Tax Act (PITA) 4.1. Bulgarian language BGN 30 4.2. English language BGN 60 4.3. Additional fee for express issuance /same working day/ BGN 20 5. Issuing of bank information in form under customer's requirement - incl. bank references in front of bulgarian and foreign institutions 5.1. Bulgarian language BGN 60 5.2. English language BGN 80 5.3. Additional fee for express issuance /same working day/ BGN 20 6. Subscription to the automatic bank information system EUR 1 per month 7. Raiffeisen Online 7.1. Setting of specific rights for Raiffeisen Online BGN 20 7.2. Re-issue of PIN for Raiffeisen online BGN 5 7.3. Activation of TOKEN device BGN 30 8. Electronic banking services 8.1. Maintenance fee for accounts, included in the electronic settlement system 9. Confirmation and verification the authenticity of bank documents and authorized signatures EUR 30 one-time fee plus EUR 10 per month BGN 60 10. For the account in foreign currency, other than EUR, the following fees aplied Maintenance of current accounts * GBP 2.00 / USD 3.00 / CHF 3.00 Maintenance of current accounts with debit card GBP 0.68 / USD 0.90 Minimum Balance required on current account GBP 20 / USD 34 / CHF 31 1. Fee on p.1 is not due for reports containing imformation in accordance with Consumer Loan Act article 11(1)(12). 2. Fee on p.6 is due only for existing subscriptions as of 01.01.2010. Fees and Commissions Tariff for Individual clients 28

Chapter Eight: General Provisions 1. The applying of bank Tariffs for BGN and FCY depends on the currency of the operation. Outgoing payments in BGN to other banks abroad are charged according to the Tariff of the Bank for payments in foreign currency. 2. Commissions, fees, and charges related to foreign currency transactions are provided in EUR for convenience, but are collected in the currency equivalent of the respective account as per the official exchange rates of The Bulgarian National Bank for the respective currency for the day of the transaction. 3. The expenses of other banks related to outgoing foreign payments or documentary operations, are calculated as of "ask" / "bid" rate of Raiffeisenbank for the respective currencies on the settlement day. 4. If there is no sufficient balance on a Customer s account in the currency of the transaction for covering the bank s commissions and charges, the Bank shall be entitled to debit any other account of the Customer with the equivalent in the respective currency at the Bulgarian National Bank reference exnchange rate for the day of settlement, up to the total amount of commissions and charges due. 5. RBBG reserves its right to claim its commissions and charges from the remitter when in their order it is indiciated that these fees are at the expense of the beneficiary, but RBBG is unable to collect them from the latter. 6. All orders deposited at RBBG are processed on the same day and are stamped with current date, if ordered as follows: 6.1. For payments in BGN 6.1.1. In paper form For payments through RINGS until 15.00 h. for processing with same-day value date for the beneficiary s bank For payments through BISERA until 11.00 h. for processing with same-day value date for the beneficiary s bank and until 15.30 h. for processing with next-day value date for the beneficiary s bank For payments through SEBRA until 13.45 h. for processing on the same business day For intrabank payments until 17.00 h. 6.1.2. In electronic form For transfers through RINGS - until 15.30 h. for processing with same day value date for the beneficiary s bank For transfers through BISERA - Until 15.00 h. for processing with same-day value date for the beneficiary s bank - Until 17.00 h. for processing with next- day value date for transfers in BGN with currency conversion except BGN/EUR for the beneficiary s bank - Until 22.00 h. for processing with next- day value date for the beneficiary's bank for transfers in BGN without conversion or with currency conversion BGN/EUR for payments through Raiffeisen online and payments up to BGN 30 000 through Multicash For transfers through SEBRA - until 14.15 h. for processing on the same business day 6.2. For payments in foreign currency Intrabank transfers - Until 17.00 h. for payments in BGN with currency conversion except BGN/EUR - Until 22.00 h. for payments in BGN without conversion or currency conversion BGN/EUR for processing with same-day value date - After 22.00 h. for processing with next-day value date * through Raiffeisen online and payments up to BGN 30 000 through Multicash * Intrabank transfer in BGN without conversion or with currency conversion BGN/EUR are processed and are available to the beneficiary in real time, except the time, required for technical completion of the work day. 6.2.1. To other banks: With value date two business days forward /spot/ - 15.30 h. 6.2.2. Intrabank transfers until 17.00 h. With next-day value date- 15.30 h. With same-day value date for payments in USD and EUR 15.00 h Payment orders, deposited at RBBG after the above hours, are processed on the next day and are registered with the respective date. Value date of the beneficiary s accounts depends on the official working days in Bulgaria and the working days of the payment currency. Fees and Commissions Tariff for Individual clients 29

7. All payments received with RBBG are processed on the same day, if received as follows: 7.1. Payment orders from other banks 7.2. Intrabank payments - until 17.00 h. in foreign currency, received until 17.00 h. in BGN, received through BISERA until 16.00 h. in BGN, received through RINGS until 16.00 h. 8. Commissions, charges and expenses listed in this Tariff refer only to the customary bank services. The provision of special and complex services is to be negotiated individually in terms of fees and commissions. 9. Banking services not quoted in this Tariff are charged by arrangement. 10. For all transactions performed by RBBG, the Bank s General Business Conditions and the General conditions for payment services shall apply in their current edition. 11. For the purposes of the Tariff, the term corporate clients includes sole proprietors, who will be excluded from the category Individual clients. 12. The prices of all services are subject to taxation under the Law on Value Added Tax and are quoted with VAT included. 13. RBBG executes only orders in proper form and content that comply with the legislation currently in force. 14. RBBG reserves the right, to amend the current Tariff with 2 /two/ months pre-notice for the client on the webpage of the Bank www.rbb.bg. 15. Advices for outgoing payments in foreign currency are provided to customers by the next business day. 16. The present Tariff has been approved by the Management Board of Raiffeisenbank (Bulgaria) EAD. Fees and Commissions Tariff for Individual clients 30