TARIFF FEES AND COMMISSIONS

TARIFF FEES AND COMMISSIONS Corporate Clients Effective as of 01.12.2016 ALL IN Business Packages E-banking

BUSSINES PACKAGES ALL IN E-BANKING ALL IN ECONOMY Monthly fee 15 BGN I 7.50 EUR Monthly fee 2 BGN Current account /BGN, EUR or USD/ Monthly statements Payments of Utilities Token - one time, + 20% VAT mtan SMS message sent from the bank 12 BGN 0.15 BGN per message Debit card MasterCard Business/ Visa Business/ Visa Business Gold PRO BankOn Web Monthly fee 12 BGN BankOn SMS token - one time, + 20% VAT maintenance intervention on site, + 20% VAT 12 BGN 30 BGN Comfort Business Insurance BUSINESS Cancelation fee* Monthly fee, + 20% VAT 1 BGN Comfort Business Insurance 6 BGN I 3 EUR Fee for generated message 0.15 BGN per message International Business Debit Card 25 BGN I 13 EUR Monthly fee Remarks: *Except during the 1st and the 12th month of the subscription

TRANSFERS AND PAYMENTS PAYMENTS BGN Foreign currency PAYMENTS BGN Foreign currency Incoming transfers Manual processing of payment with former account or incorrect IBAN Outgoing intrabank transfers 0.07% (min., max. 250 BGN) --- 15 BGN Outgoing urgent trransfers RINGS manual transfers 15 BGN --- RINGS electronic transfers --- manual transfer 1.50 BGN 4 EUR transfer through SoGe Net / BankOn Web / Pro 0.40 BGN 1.50 EUR Outgoing interbank transfers manual transaction, SWIFT charges included for currency transfers transfer through SoGe Net / BankOn Web / Pro 2.50 BGN 0.90 BGN 0.15% (min. 36 BGN, max. 600 BGN) 0.12% (min. 36 BGN, max. 600 BGN) Urgent transfers --- doubled charges Investigations, cancellations and amendments МТ 101 transfers - incoming Regiastration feе Monthly subscription feе 30 BGN 50 EUR, one time 25 EUR per account + additional expenses Remarks: 1. The commissions on outgoing interbank transfers in foreign currency do not include fees of correspondent banks. For transfers with option OUR these additional fees are collected from the ordering customer s account. 2. For transfers with option SHA and BEN the fees of are deducted from the amount of the transfer. in EUR with option SHA to beneficiaries in EU countries are free of correspondent banks commissions. The costs for all transfers in EUR (incoming and outgoing) initiated by the banks in Single Euro Payments Area (SEPA) are always SHA. 3. For payments in RON and PLN only charges OUR are accepted by the correspondent bank. 4. For outgoing transfers in USD with option OUR the clients shall pay the following fees: - in case the commisions of the transfer do not exceed 50 USD - fee at the amount of 25 USD; - in case the commissions of the transfer exceed 50 USD - fee amounting to 25 USD + the amount above 50 USD This service is offered due to a common practice in USA, where the American banks collect their fees from the amount of the payment despite the written in the payment order instruction by the ordering customer all expenses to be charged to him. The additional clause guarantees that the full amount of the payment order will be received by the beneficiary. 5. Commissions on incoming transfers in foreign currencies are collected from the beneficiary s account only in case the transfer is received with option of charges SHA or BEN. 6. The return of an incoming transfer in foreign currency as per beneficiary s request is considered to be an outgoing customer transfer. 7. Outgoing transfer in foreign currency which has been returned not at the fault of the Bank is considered to be an incoming customer transfer. 8. Commissions on the transfers in foreign currency are including the SWIFT charges. 9. For MT 101- transfers fees for single payment orders as per the Tariff are applicable.

TRANSFERS AND PAYMENTS PERMANENT ORDERS AUTOMATIC UTILITY PAYMENTS Subscription fee, annually Monthly maintenance fee 1 BGN Execution fee - intrabank payment 0.40 BGN Execution fee, per transaction 0.25 BGN Execution fee - interbank payments 0.90 BGN SMS fee Penalty fee in case of cancellation due to insufficient provision on the customer s account Cancellation of the subscription 2 BGN Message sent from the bank, per message Message sent to the bank 0.15 BGN as per the tariff of the mobile operator DIRECT DEBIT ORDERS MANAGEMENT AND PROCESSING OF MASS PAYMENTS Subscription fee, annually Outgoing interbank transfers Execution fee - intrabank payment 0.40 BGN presented in written form 2 BGN per item Execution fee - intrabank payment to State Budget with BankOn Web / Pro 0.15 BGN through BankOn Web Pro/SoGe Net 0.40 BGN per item Execution fee - interbank payments 0.90 BGN Outgoing intrabank transfers Execution fee - intrabank payment to State Budget with BankOn Web / Pro 0.45 BGN presented in written form 1 BGN per item Penalty fee in case of cancellation due to insufficient provision on the customer s account Cancellation of the subscription 2 BGN 2 BGN through BankOn Web Pro/SoGe Net Additional fee for processing of file, presented via e-mail per file Remarks: The files for mass payments sent via e-mails should be duly signed by qualified electronic signature, the certificate for which is issued by one of the authorized suppliers of such type of certification services, according to the Act for the electronic document and electronic signature (AEDES).

CREDIT CARDS POS TERMINALS CARD VISUALS FEE POS TERMINALS International card MasterCard Business/Visa Business, + 20% VAT 4 BGN 2 EUR/USD Monthly rent International business bank card Visa Gold, + 20% VAT 6 BGN 3 EUR/USD POS terminal without GPRS/GSM connection, + 20% VAT POS with GPRS/GSM connection, + 20% VAT 4 BGN 12 BGN Virtual POS, + 20% VAT 17 BGN COMFORT INSURANCE Fee per transaction Company account holder - annual premium for the first insured card 19 BGN Transaction fee on cards processed by BORICA Transaction fee on other cards Additional cardholder, for each additional insured card after the first 15 BGN Deinstallation fee, + 20% VAT 55 BGN

CASH OPERATIONS CASH DEPOSITS OTHER CASH SERVICES Up to 3 000 BGN or equivalence Over 3 000 BGN or equivalence, over the excess 0.25% (max. 250 BGN) Exchange of banknotes, + 20% VAT 2% Counting or exchange of coins, + 20% VAT 4% Foreign exchange operations of non-customers 5.50 BGN deposit of funds at the account of a client of the Bank (it is charged only if the depositor is not a representative of the client) Counting coins (the fee is also applied when the deposit is within the daily limit for the account) Counting coins (the fee is also applied when the deposit is within the daily limit for the account) 1% (min. 5 BGN) 0.3% of the whole amount (min. 3 BGN) 4% CHEQUES Cheques, issued by Societe e Expressbank issuance reissuance 0.20% (min. 40 BGN, max. 400 BGN) 20 BGN collection CASH WITHDRAWALS cancellation upon returning of an original cheque cancellation in case of lacking the original cheque Personal cheques, received from another bank 20 BGN 20 BGN + expenses of the correspondent bank Up to 3 000 BGN or equivalence Over 3 000 BGN or equivalence with prior notice, over the excess 1 BGN 1 BGN + 0.35% (max. 500 BGN) payment on a customer account return 0.50% (min. 40 BGN) 40 BGN + expenses of the correspondent bank Over 3 000 BGN or equivalence without prior notice, over the excess 1 BGN + 0.50% (max. 1 000 BGN) Pre-noticed but not withdrawn amounts over 3 000 BGN or equivalence, over the excess 1 BGN + 0.50% (max. 1 000 BGN) Withdrawals of coins (the fee is also applied when the deposit is within the daily limit for the account) 3% Remarks: 1. For withdrawals over 3 000 BGN or equivalence in foreign currency daily, one-day written pre-notice is required. 2. The amounts with commissions for cash deposits up to 3 000 BGN or equivalence are the daily account limit. 3. Replacement of unfit and/or damaged banknotes, as well as exchange and counting of banknotes and coins are offered only for banknotes and coins in BGN.

LOANS CREDIT PARTNER Processing fee Management fee, annually for the first year (for midterm loans with installments is applied only for the first year) OTHER CORPORATE LOANS Processing fee up to 100 000 BGN 150 BGN from 100 001 BGN to 500 000 BGN 500 BGN from 500 001 BGN to 1 000 000 BGN 1 000 BGN above 1 000 000 BGN 1 500 BGN Management fee, annually up to 2 000 000 BGN Companies with annual income from sales < 5 MBGN 1.5% (min. 750 BGN) Companies with annual income from sales > 5 MBGN 1% (min. 750 BGN) above 2 000 000 BGN Commitment fee over the non-utilised part of the loan 1% Pre-term repayment (investment credit and working capital loan) 5% Pre-term termination of overdraft contract 5% Renegotiation fee 0.30% on the negotiated amount OTHER OPERATIONS LINKED TO LOANS Mortgages preparation of documents, + 20% VAT 100 BGN release, + 20% VAT 35 BGN Pledge registered on the Central pledge register preparation and registration, + 20% VAT 35 BGN release, + 20% VAT 35 BGN Government securities as collateral pledge, + 20% VAT 35 BGN release, + 20% VAT 35 BGN 50 BGN 1.5% minus 50 BGN Management fee, annually for each following year (concerns only midterm loans with installments) 1% Pre-term repayment (investment credit and working capital loan) 5% Pre-term termination of overdraft contract 5% Renegotiation fee 0.30% on the renegotiated amount Commitment fee over the non-utilised part (due till the expiration of disbursement period) 1%

DOCUMENTARY OPERATIONS BANK GUARANTEES DOCUMENTARY COLLECTION Issued guarantees pre-advice issue of 100% cash covered guarantees, quarterly 50 BGN 0.40% (min. 100 BGN) Incoming collections collection 0.20% (min. 80 BGN, max. 500 BGN) issue of guarantees - other collateral, quarterly advising of modification in the collection terms amendments with increase of the amount and/or validity, quarterly over the increase equal to issuance fee claims cancellation of a issuance request 20 BGN protest + expenses handling of claims payment 0.15% (min. ) delivery of documents free of payment 0.10% (min. 80 BGN, max. 500 BGN) express service fee consulting or special guarantee, + 20% VAT Guarantees received advising of pre-advice advising without commitment advising of amendment confirmation or issuance of a counter guarantee handling of claims 50 BGN 0.10% (min. 100 BGN, max. 500 BGN) 65 BGN 100 BGN goods shipped to the name of Societe e Expressbank transfer of documents to another bank Outgoing collections sending of documents for collection modification in the collection instructions 0.20% (min. 40 BGN, max. 500 BGN) 0.20% (min. 80 BGN, max. 500 BGN) Endorsement of other bank or financial institution of another customers 0.25% (min. 150 BGN) claims submittance of documents free of payment 0.10% (min. 80 BGN, max. 500 BGN) Remarks: 1. Commisions on communication services such as fax, SWIFT messages, etc. are collected according to the pricing in but without VAT.

DOCUMENTARY OPERATIONS LETTERS OF CREDIT LETTERS OF CREDIT Issued letters of credit cancellation or expiration issue of pre-advice 50 BGN checking of previously refused documents issuance or extention, quarterly 0.25% (min. 100 BGN) transfer of letter of credit 0.15% (min. 100 BGN, max. 600 BGN) amendments with increase of the amount and/or validity, quarterly 0.20% over the increase Reimbursement cancellation and other modifications sight payment deferred payment, monthly, in addition to fee on sight payment Letters of credit received advising of pre-advice advising amendments with increase of the amount, % over the increase 90 BGN 0.15% (min. 100 BGN) 0.10% (min. 100 BGN) 50 BGN 0.10% (min. 80 BGN, max. 500 BGN) 0.10% (min. 80 BGN) payment issuance of irrevocable undertaking to pay Assignment of proceeds advise payment issuance payment for issuance 0.10% (min. ) 0.15% (min., max. 600 BGN) 0.10% (min., max. 400 BGN) amendments without increase of the amount confirmation sight payment deferred payment, monthly, additionally to payment fee 80 BGN 0.175% (min. 80 BGN) 0.10% (min. 80 BGN) Conditional transfers issuance advise processing and payment 0.20% (min., max. 500 BGN) 0.05% (min., max. 500 BGN) 0.15% (min., max. 500 BGN)

INVESTMENT PRODUCTS OPERATIONS WITH SECURITIES Deals with government securities on the primary market for every approved order 0.05% for every rejected order Deals with government securities on the secondary market sale repurchase transfer of government securities in the register held by Societe e Expressbank, paid by the buyer replacement of lost or damaged certificate payment at the maturity date of the issue interbank transactions according to Regulation 5, art.20 and 21 transactions with the Ministry of Finance Deals with corporate securities executed orders up to 25 000 BGN executed orders over 25 000 BGN Central depository statement of account issuance of receipt transfer in the Central depository transfer of existing portfolio Custodial services, annual fee, paid monthly portfolio up to 500 000 BGN + 20% VAT 0.20% (min. 20 BGN) 0.20% (min. 20 BGN) 0.03% (min. ) 0.10% (min. ) 0.10% (min. ) 2.5% (min. 80 BGN) 5 BGN 80 BGN 0.25% (min. 9) portfolio from 500 001 up to 1 000 000 BGN + 20% VAT 0.20% portfolio from 1 000 001 up to 2 000 000 BGN + 20% VAT 0.15% portfolio above 2 000 000 BGN + 20% VAT 0.12% AMUNDI FUNDS Shares of the sub-funds of the Amundi Funds Subscription fee For class A shares, the subscription fee can not be less than 20 BGN / 10 EUR/ 10 USD For the sub-funds, investing in equities Class A Up to EUR/USD 25000 1.50% Above EUR/USD 25000 1.00% For the sub-funds, investing in equites Class I For the sub-funds, investing in bonds Class A Up to EUR/USD 25000 0.50% Above EUR/USD 25000 0.25% For the sub-funds, investing in bonds Class I For the sub-funds, investing in money market instruments Class А 0.10% Class I Fee for conversion of shares from one sub-fund and/or class to another sub-fund and/or class Redemption fee Fee for transfer of shares 2.00%

CURRENT ACCOUNTS AND DEPOSITS CURRENT ACCOUNTS ACCUMULATION ACCOUNTS Account opening Account opening and certificate issuance 30 BGN Monthly maintenance fee Monthly maintenance fee* 8 BGN maintenance of account with low turnover, monthly, additionally Account closing Account statements 7 BGN 20 BGN 10 EUR/USD Account closing** 30 BGN * 6 months after account opening ** Not applicable if the client opens a current account at Societe e Expressbank Monthly Bi-weekly 5 BGN OTHER SPECIAL ACCOUNTS Weekly or daily Account opening, Maintenance fee, closing TEMPO CAPITAL (SHORT-TERM DEPOSITS) OPTIMA CAPITAL (MEDIUM-TERM DEPOSITS) Account opening, maintanance fee and closing Minimum balance Penalty for pre-term withdrawal 10 000 BGN 10 000 EUR/USD 0.05% (min. 5 BGN) Account opening, maintanance fee and closing Minimum balance 500 BGN 500 EUR/USD * As of 01.12.2016 Deposit Tempo Capital will be no longer offered to new and existing clients of Societe e Expressbank. For the existing clients with active Tempo Capital products the conditions remain unchanged. Remarks: 1. Inactive Current accounts with low turnover - accounts with monthly turnover below 250 BGN and balance below 100 BGN. 2. Interest on current accounts in BGN, EUR, USD, CHF and other foreign currencies - in accordance with Societe e Expressbank Interest Rate Bulletin 3. Other foreign currencies - standard fees and commissions. 4. Interest for unauthorized overdraft on current account - BIRSGEB (basic interest rate of Societe e Expressbank AD) + 9%

LIBERAL PROFESSIONS CURRENT ACCOUNTS BUSINESS PACKAGES ALL IN Аccount opening Monthly fee 11.75 BGN I 6 EUR/USD Monthly maintenance fee 6 BGN Current account /BGN, EUR or USD/ maintenance of account with low turnover, monthly, additionally 6 BGN Monthly statements Account closing I 5 EUR/USD Debit card MasterCard Business/ Visa Business BankOn Web BankOn SMS Monthly fee 1 BGN Comfort Business Insurance Annual fee Cancelation fee* Token, + 20% VAT 12 BGN Comfort Business Insurance 6 BGN I 3 EUR/USD mtan SMS message sent from the bank 0.15 BGN per message International Business Debit Card 17.50 BGN I 8.75 EUR/USD *Except during the 1-st and 12-th month of the subscribtion Remarks: 1. Current accounts with low turnover - accounts with monthly turnover of 150 BGN and balance below 50 BGN. 2. For all other services not mentioned in the professions sections the Corporate clients tariff is applied. 3. For clients who have signed contract for BankOn WEB after 01.03.2016 г., the maintenance fee is charged monthly. For existing clients, the pricing conditions remain unchanged.

LIBERAL PROFESSIONS EXPERT PROGRAM EXPERT PROGRAM STANDARD LOAN Processing fee*: for credit amount up to 50 000 BGN for credit amount above 50 000 BGN Disbursement fee 50 BGN 100 BGN 1.25% (min. 100 BGN) Annual management fee on the outstanding principal 0.50% 1% (if repaid not more than Partial pre-term repayment (min. amount 2 000 BGN) 30% of the exposure in 3 months) Pre-term repayment of more than 30% of the exposure up to the total loan amount with request for a new loan 3.00% CREDIT EXPERT NACHALO Processing fee Disbursement fee 30 BGN 1.25% (min. 100 BGN) Annual management fee on the outstanding principal 0.50% Partial pre-term repayment (min. amount 2 000 BGN) 1% (if repaid not more than 50% of the exposure in 3 months) Pre-term repayment of more than 30% of the exposure up to the total loan amount with request for a new loan 3.00% without request for a new loan 5.00% OVERDRAFT Processing fee 30 BGN Management fee, annually on the authorized limit 1.50% without request for a new loan 5.00% Fee for modification of the authorized limit Remarks: *The processing fee is deducted from the disbursement fee **For all other services not mentioned in the professions section the Corporate clients tariff is applied.

OTHER PRODUCTS AND SERVICES SAFE KEEPING Small Middle Big for 6 months, + 20% VAT 105 BGN 140 BGN 2 for 12 months, + 20% VAT 2 280 BGN 420 BGN Lost key 50 BGN, + 20% VAT + expenses 24 H monthly fee, + 20% VAT OTHER SERVICES Issuance of bank reference, + 20% VAT Issuance of bank reference in foreign language, + 20% VAT Confirmation of balances on customer accounts with Societe e Expressbank audit confirmation, + 20% VAT audit confirmation for credit institutions, + 20% VAT for other purposes, + 20% VAT SWIFT messages subscription fee per account, monthly + 20% VAT fee per single outgoing message without subscription + 20% VAT MT940/942 Foreign exchange rates information subscription for daily information, monthly, + 20% VAT foreign exchange rates for past periods, + 20% VAT Consulting services, + 20% VAT Correction of proceeded operation Authentication of the client power of attorney in the Bank, + 20% VAT Checking the authenticity of bank documents and authorized signatures, + 20% VAT 50 BGN 75 BGN 75 BGN 1 20 BGN 100 BGN 20 BGN 30 BGN 25 BGN 5 BGN 40 BGN Remarks: 1. Fee for Authentication of the client power of attorney in the Bank is collected only in case Bank Power of Attorney replace the notary one. 2. Safe boxes are only available to customers of Societe e Expressbank

OTHER PRODUCTS AND SERVICES BUSSINES PACKAGES ALL IN CORPORATE* ALL IN EXPERT* ALL IN PROFESSIONAL* Monthly maintenance fee 29 BGN I 15 EUR 24 BGN I 12 EUR 19 BGN I 10 EUR Current account Two weeks statements Deffered Debit card MasterCard Business/ Visa Business Deffered Debit card Visa Gold BankOn Web SoGe Net/ BankOn Web Pro BankOn SMS Insurance Comfort Business Travel Insurance Cancellation fee* Comfort Business Insurance 6 BGN I 3 EUR/USD International business credit card for micro enterprices for small enterprises and corporate clients * Except during the 1-st and 12-th month of subscribtion SOGECASH NET 70 BGN I 36 EUR/USD 24 BGN I 13 EUR/USD 45 BGN I 23 EUR/USD Remarks: As of 25.05.2016 the business packages ALL IN Professional, ALL IN Expert и ALL IN Corporate will be no longer offered to new and existing clients of SGEB. For the existing clients with active packages among these types, the conditions remain unchanged. Monthly fee Token - one time, + 20% VAT Secured USB Device - one time, + 20% VAT Maintenance intervention on site, + 20% VAT 12 BGN 12 BGN 100 BGN 30 BGN

GENERAL CONDITIONS 1. The present tariff is valid for customers - physical or legal persons - in terms of their needs, connected with economic activity within the meaning of the Commerce act or acting as a liberal profession. 2. The present tariff defines the standard fees and commissions of the Bank. For services upon special agreement and for products and services, not included in this tariff, the Bank reserves the right to apply different fees and commissions. 3. The interest rates, applied by Societe e Expressbank are stated in an Interest Rate Bulletin, which is an integral part of the tariff. 4. For fees and commissions, determined in BGN and charged in foreign currency, Societe e Expressbank applies the respective BNB fixing rate at the date of the transaction. 5. For fees and commissions, determined in foreign currency and charged in BGN, Societe e Expressbank applies the respective BNB fixing rate at the date of the transaction. 6. In case of insufficient funds on a customer account for covering due fees or commissions, Societe e Expressbank reserves its rights to debit any other account of the customer. 7. Societe e Expressbank reserves its right to apply different commissions for services to banks and financial institutions. 8. The present tariff have been approved by the Board of the directors and superseeds all previous tariffs. The current brochure represents an extract from the Tariff for fees and commissions of Societe e Expressbank, valid from 01.12.2016