TARIFF. Fees and Commissions Tariff for Individual clients. In force as of

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1 TARIFF Fees and Commissions Tariff for Individual clients In force as of

2 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. Comfort bundle 3. Premium bundle 4. Student banking bundle 5. Current account / Current account + bundle 6. 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

3 Chapter One: Services in local currency 1. Current Accounts, Term Deposits and Special Accounts 1.1. Opening Current accounts BGN Current account with debit card BGN Term deposits/deposit with account Special accounts By arrangement Saving account Perspective Saving account Premium Account servicing investment in collective investment schemes offered or distributed by the bank 1.2. Minimum Balance required Current accounts BGN Current accounts with debit card Maestro/Visa Electron None Current accounts with debit card Visa Classic/MasterCard Standard BGN Term deposits/deposit with account As per the official interest rates bulletin of RBBG, currently in force Special accounts By arrangement Saving account Perspective As per the official interest rates bulletin of RBBG, currently in force Saving Account No limits ( No limitations ) As per the official interest rates bulletin of RBBG, currently in force Deposit account on Saving program BGN 5, not obligatory at the time of account opening Saving account Premium As per the official interest rates bulletin of RBBG, currently in force 1.3. Maintenance of current accounts BGN 2.30 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 for salary clients/clients who receive regular monthly income over BGN 6 per year BGN for non-salary clients/clients who don t receive regular montly BGN 18 per year income over BGN 145 * 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 Maintenance of Account servicing investment in collective investment schemes offered or distributed by the bank Interest rates Credit interest As per the official interest rates bulletin of RBBG, currently in force Debit interest By arrangement 1. The Product Saving account No limits ( No limitations ) is closed for sales from The product Saving program is closed for sales from All fees and commissions in the Tariff are applicable only for saving accounts No limits ( No limitations ) opened before and Deposit accounts on "Saving program" opened before Overdraft is allowed only subject to prior arrangement with Raiffeisenbank (Bulgaria). * For existing customers comes into force after deduction of the first annual fee Closure of current accounts Current accounts opened up to 12 months before the account closure BGN 10 date 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

4 1.12. Closure of current accounts with debit card Closure of Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium Accounts opened up to 12 months before the account closure date BGN Accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month Closure of Saving program Accounts opened up to 12 months before the account closure date BGN Accounts opened over 12 months before the account closure date The account manintanance fee is not applicable for the account closing month Information related with executed payment services Using Raiffeisen e-statements Paper statements, once per month 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 and fee for closure under p Cash Transactions 2.1. Cash withdrawals of bank notes and coins Cash withdrawals of bank notes From Current or Special Accounts* Up to BGN 2,000 incl. (daily limit) Over BGN 2,000 BGN 1 per transaction 0.4% on the amount exceeding the daily limit, min. BGN 5, max BGN From Saving account Perspective 0.5% on the total amount, min. BGN 2, max BGN 800 in the open period for cash withdrawals From Saving account No limits ( No limitations )/ Saving account Premium From the deposit account on the Saving program Up to BGN 2,000 incl. (daily limit) Over BGN 2, % on the total amount, min. BGN 1, max BGN 800 BGN 1 per transaction 0.4% on the amount exceeding the daily limit, min. BGN 5, max BGN From Term Deposits and Deposit with account at maturity (In condition of submitted written prenotice for withdrawal of amounts over BGN 5,000) 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, Of amount under Incoming payments in favour of non-clients of RBBG BGN 1 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 Of cash previously ordered and not withdrawn 0.4% on the non-withdrawn amount Of amounts with no pre-notice Up to BGN 5,000 incl. as per Chapter I, art , , , , and 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 % on the amount exceeding the amount of the prenotice, min. BGN 15, max. BGN 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 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 is not due. 3. The commission under p is due for amounts with no pre- notice in the respective branch. Fees and Commissions Tariff for Individual clients 3

5 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 BGN 5,000 is valid for withdrawаls from Saving account Perspective in the open periods. 6. The commission under p 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 For cash withdrawals from Deposit with account after maturity date the commission under p 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 Cash deposits of banknotes and coins Of banknotes To Current or Special accounts* Up to BGN 2,000 incl. (daily limit) Over BGN 2, To Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium / Deposit account On Saving program/ Deposit with account Up to BGN 2,000 incl. (daily limit) Over BGN 2, % on the amount exceeding the daily limit, max BGN To Child deposit 0.1% on the amount exceeding the daily limit, max BGN To Term Deposits 0.4% on total deposited amount, min BGN To Term Deposits terminated prior to maturity with aim increasing the deposit amount Of Banknotes not sorted in wads 100 pieces each, by denomination, face upwards, same side up Of coins Up to BGN 10 incl. (daily limit) 0.4% on total deposited amount, min BGN % on the total amount in addition to the commission in p , p , p , p Over BGN 10 5% on the amount exceeding BGN 10, min. BGN 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 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 Cash deposits of coins is due when withdrawing over BGN 10 in coins and is collected in addition to the commission as per p or Salary clients/clients who receive regular monthly income over BGN 145 in the Bank do not pay fees under p , p and p Commission under p 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 Outgoing payments to beneficiaries at other banks Payments initiated through the Interbank Settlement System BISERA Outgoing payments ordered in paper form BGN 2.50 Outgoing payments ordered electronically BGN Payments initiated through the Interbank Settlement System BISERA from Saving account Perspective Fees and Commissions Tariff for Individual clients 4

6 Outgoing payments ordered in paper form BGN 4 Outgoing payments ordered electronically BGN Payments initiated through the Real Time Gross Settlement System RINGS Outgoing payments ordered in paper form BGN 16 Outgoing payments ordered electronically BGN Payment order to the budget (multiple entries) initiated through the Interbank Settlement System BISERA Payment order to the budget (multiple entries) initiated through the Real Time Gross Settlement System RINGS Cash payments, ordered by third parties - Private individuals Payments initiated through the Interbank Settlement System BISERA Payment order to the budget (multiple entries) initiated through the Interbank Settlement System BISERA Payments initiated through the Real Time Gross Settlement System RINGS 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 from current Tariff Every payment in the payment order is charged separately, according item 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 %, min. BGN 16 BGN 16 per each concequtive payment entry in a payment order in the addition to the commission in p 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 and art Intrabank transfers Intrabank payments ordered in paper form BGN Intrabank payments ordered electronically BGN Intrabank payments ordered in paper form from Saving account Perspective Intrabank payments ordered electronically from Saving account Perspective For Payment order to the budget (multiple entries) ordered in paper form or electronically For payments when the account holder of both accounts is the same person For payments, ordered in paper form from Saving account Perspective, when the account holder of both accounts is the same person 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 , or 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 Details' changing or cancellation of already ordered payments upon customer s request for internal payments BGN 5 for outgoing payments to other banks BGN Direct Debit 4.1. Receiving Direct debit Consent BGN Direct debit request, initiated by RBBG through the interbank settlement system BISERA on demand of the bank s customer Ordered in paper form BGN Ordered electronically BGN 1 Fees and Commissions Tariff for Individual clients 5

7 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 Up to BGN , performed through BISERA BGN BGN or over, performed through RINGS BGN 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 Requests initiated by RBBG s customer (to RBBG s customer) ordered in paper form Requests initiated by RBBG s customer (to RBBG s customer) ordered electronically Payment performed by RBBG s customer (on demand of RBBG s customer) BGN 2 BGN 1 BGN 0.50 BGN 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 payments bundle BGN 2 per month payments bundle BGN 3 per month The fees in art.5.2. and 5.3. are valid only for bundles opened before Loans As per the official published "Terms and conditions conserning loan products". Fees and Commissions Tariff for Individual clients 6

8 Chapter Two: Services in Foreign Currency 1. Current Accounts, Term Deposits and Special Accounts 1.1. Opening Current accounts EUR Current account with debit card EUR Term Deposits/Deposit with account Special accounts By arrangement Saving account Perspective Saving account Premium Account servicing investment in collective investment schemes offered or distributed by the bank 1.2. Minimum Balance required Current accounts EUR Current accounts with debit card Visa Electron None Current accounts with debit card Visa Classic/MasterCard Standard EUR Term deposits/deposit with account As per the official interest rates bulletin of RBBG, currently in force Special accounts By arrangement Saving account Perspective As per the official interest rates bulletin of RBBG, currently in force Saving Account No limits ( No limitations ) As per the official interest rates bulletin of RBBG, currently in force 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 for salary clients/clients who receive regular montly income over BGN 145 EUR 3 per year for non-salary clients/clients who don t receive regular montly income over BGN 145 * EUR 9 per year 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 Interest EUR 5 / EUR Credit interest As per the official interest rates bulletin of RBBG, currently in force 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 Closure of Current account Current accounts opened up to 12 months before the account closure date Current accounts opened over 12 months before the account closure date EUR Closure of Current accounts with debit card Closure of Saving account Perspective / Saving account No limits ( No limitations ) / Saving account Premium Accounts opened up to 12 months before the account closure date EUR 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

9 1.14. Information related with executed payment services Using Raiffeisen e-statements Paper statements, once per month 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 and fee for closure under p Cash Transactions 2.1. Cash withdrawals of banknotes From Current or Special Accounts* Up to EUR 1,000 incl. (daily limit) Over EUR 1,000 EUR 0.50 per transaction 0.55% on the amount exceeding the daily limit, min. EUR 3, max EUR From Saving account Perspective 0.60% on the total amount, min. EUR 1,max EUR 400 in the open period for cash withdrawals From Saving account No limits ( No limitations ) / Saving account Premium 0.55% on the total amount, min. EUR 0.50,max EUR From Term Deposits and Deposit with account at maturity (In condition of submitted written prenotice for withdrawal of amounts over EUR 3,000) 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 0.50 per transaction 0.55% on the amount exceeding the daily limit, min. EUR 3, max EUR Of amount under Incoming payments in favour of non-customers 2% on the payment amount, min. EUR Of cash previously ordered but not withdrawn 0.55% on the non-withdrawn amount 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, , , and % on the amount exceeding the amount of the prenotice, min. EUR 10, max. EUR % on the amount exceeding the amount of the prenotice, min. EUR 10, max. EUR 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 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 is not due. 3. The commission under p 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 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 Cash deposits of banknotes To Current or Special accounts * Up to EUR 1,000 incl. (daily limit) Over EUR 1, To Saving account Perspective / Saving account No limits ( No limitations )/ Saving account Premium / Deposit with account Up to EUR 1,000 incl. (daily limit) Over EUR 1, % on the amount exceeding the daily limit, max. EUR % on the amount exceeding the daily limit, max EUR To Term Deposits 0.6% on total deposited amount, min. EUR 30 Fees and Commissions Tariff for Individual clients 8

10 To Term Deposits prior to maturity, (to increase the deposit amount) 0.6% on total deposited amount, min. EUR To Child deposit 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 , p , p , p Deposit of banknotes in bad condition 2% on the total amount of the damaged banknotes, min. EUR 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 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. Salary clients/clients who receive regular monthly income over BGN 145 in the Bank do not pay taxes under p.2.2.2, p and p * 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 Up to EUR Over EUR %+EUR 6, max. EUR 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 Outgoing payments to beneficiaries at other banks: Outgoing payments to countries from The European Union 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 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 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) 0.3%, min. EUR 30, max. EUR 500; + EUR 9 Fees and Commissions Tariff for Individual clients 9

11 Outgoing payments to countries outside The European Union Outgoing payments in 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 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 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) Cash payments, ordered by third parties - Private individuals Value date 2 business days forward (spot value date) 0.35%, min. EUR 25, max. EUR 300; + EUR 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) 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 USD 20 For amounts from USD to USD USD 25 For amounts above USD 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 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 Intrabank transfers Intrabank payments ordered in paper form EUR Intrabank payments ordered electronically EUR Intrabank payments ordered in paper form from Saving account EUR 4 Perspective Intrabank payments ordered electronically from Saving account EUR 2.5 Perspective For payments when the account holder of both accounts is the same person For payments, ordered in paper form from Saving account Perspective, when the account holder of both accounts is the same person EUR 4 Fees and Commissions Tariff for Individual clients 10

12 For payments, ordered electronically from Saving account Perspective, when the account holder of both accounts is the same person EUR 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 or 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 and art Details' changing or cancellation of payments upon customer s request for internal payments EUR 5 for outgoing payments to other banks EUR Investigation for outgoing/ incoming payment EUR Cheques in Foreign Currency 4.1. Collection of cheques Drawn on RBBG 0.1%, min. EUR Drawn on other banks 0.3%, min. EUR Travellers Cheques 1% on the total amount of the cheques, min. EUR Cheques returned unpaid EUR 15 per cheque 4.3. Issue of cheques/drafts 0.2%, min. EUR 15, max. EUR 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 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

13 Chapter Three: Bank Cards Services 1. International debit cards Maestro/VISA Electron 1.1. Card issuance, renewal 1.2. Express card issuance BGN Card re-issuing before expiry BGN Annual card maintenance fee 1.5. Payment services within the country Payment of goods and services Withdrawal through ATM of RBBG BGN Cash deposits through ATM of RBBG 0.05% min. BGN Withdrawal through ATM of other banks BGN Withdrawal through POS of RBBG 0.1% min. BGN Withdrawal through POS of other bank BGN 5 +1% Withdrawal through POS terminal at merchants BGN 0.20* ATM transfer between accounts with RBBG BGN 0.20 ** ATM transfer to an account with other bank BGN 0.80 ** 1.6. Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN 5 +1% Receipt of funds on card through POS (credit refund) 1% Currency convertion fee 1%**** 1.7. Other services within the country Balance enquiry through ATM/POS BGN Balance enquiry through ATM for the last 5 transactions BGN Change of PIN BGN Other services abroad Balance enquiry through ATM BGN 1*** 1.9. Issuance/Generation of new PIN code BGN 3*** Card delivery at another office of RBBG BGN Card account statement upon request at an office of RBBG Change of cardholder s details/card parameters Change of card operational limits BGN Card blocking Card activation BGN Registration for the SMS service BGN Registration for the Automatic Bill Payment service BGN 1** 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 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 Card re-issuing before expiry BGN Annual card maintenance fee BGN Payment services within the country Payment of of goods and services Withdrawal through ATM of RBBG BGN Cash deposits through ATM of RBBG 0.05% min. BGN Withdrawal through ATM of other banks BGN 1.20 Fees and Commissions Tariff for Individual clients 12

14 Withdrawal through POS of RBBG 0.1% min. BGN Withdrawal through POS of other banks BGN 5 +1% Withdrawal through POS terminal at merchants BGN 0.20* 2.6. Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN 5 +1% Receipt of funds on card through POS credit refund) 1% Currency convertion fee 1%** 2.7. Other services within the country Balance enquiry through ATM/POS BGN Balance enquiry through ATM for the last 5 transactions BGN Change of PIN BGN Other services abroad Balance enquiry through ATM BGN 1*** 2.9. Issuance/Generation of new PIN code BGN Card delivery at another office of RBBG BGN Card account statement upon request at an office of RBBG Change of cardholder s details/ card parameters Change of card operational limits BGN Card blocking Card activation BGN Registration for the SMS service BGN 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 Card re-issuing before expiry BGN 5 / EUR 2.50 / USD 3.34 / GBP Annual card maintenance fee BGN 1 / EUR 0.50 / USD 0.67 / GBP Payment services within the country Payment of goods and services Withdrawal through ATM of RBBG BGN 0.30 / EUR 0.15 / USD 0.20 / GBP Withdrawal through ATM of other banks BGN 0.98 / EUR 0.49 / USD 0.65 / GBP Withdrawal through POS of RBBG BGN 5 +1% / EUR % / USD % / GBP 2 +1% Withdrawal through POS of other bank BGN 5 +1% / EUR % / USD % / GBP 2 +1% Cash Withdrawal through POS terminal (cashback) at merchants BGN 0.20* / EUR 0.10 / USD 0.14 / GBP Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN 5 +1% / EUR % / USD % / GBP 2 +1% Receipt of funds on card through POS (credit refund) 1% Balance enquiry through ATM BGN 1 / EUR 0.50 / USD 0.67 / GBP Other services within the country Balance enquiry through ATM/POS BGN 0.30 / EUR 0.15 / USD 0.20 / GBP Change of PIN Issuance/Generation of new PIN code BGN 3 / EUR 1.50 / USD 2 / GBP Card activation after entering 3 wrong PINs BGN 1 / EUR 0.50 / USD 0.67 / GBP Card delivery to another RBBG branch BGN 5 / EUR 2.50 / USD 3.34 / GBP Card account statement upon request at an office of RBBG Change of cardholder s details/card parameters Change of card operational limits BGN 2 / EUR 1 / USD 1.34 / GBP Card blocking BGN 1 / EUR 0.50 / USD 0.67 / GBP Card activation Registration for the SMS/ service BGN 3 / EUR 1.50 / USD 2 / GBP SMS notification monthly fee BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 0.12 Fees and Commissions Tariff for Individual clients 13

15 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 International contactless VISA Classic 4.1. Card issuance, renewal 4.2. Express card issuance BGN 10 / EUR 5 / USD 6.67 / GBP Card re-issuing before expiry BGN 10 / EUR 5 / USD 6.67 / GBP Annual card maintenance fee BGN 20 / EUR 10 / USD / GBP Payment services within the country Payment of goods and services Withdrawal through ATM of RBBG BGN 0.80 / EUR 0.40 / USD 0.53 / GBP Withdrawal through ATM of other banks BGN 1.20 / EUR 0.60 / USD 0.80 / GBP Withdrawal through POS of RBBG BGN 5 +1% / EUR % / USD % / GBP 2 +1% Withdrawal through POS of other bank BGN 5 +1% / EUR % / USD % / GBP 2 +1% Cash Withdrawal through POS terminal (cashback) at merchants BGN 0.20* / EUR 0.10 / USD 0.14 / GBP Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN 5 +1% / EUR % / USD % / GBP 2 +1% Receipt of funds on card through POS (credit refund) 1% Balance enquiry through ATM BGN 1 / EUR 0.50 / USD 0.67 / GBP Other services within the country Balance enquiry through ATM/POS BGN 0.30 / EUR 0.15 / USD 0.20 / GBP Change of PIN Issuance/Generation of new PIN code BGN 3 / EUR 1.50 / USD 2 / GBP Card activation after entering 3 wrong PINs BGN 1 / EUR 0.50 / USD 0.67 / GBP Card delivery to another RBBG branch BGN 5 / EUR 2.50 / USD 3.34 / GBP Card account statement upon request at an office of RBBG Change of cardholder s details/card parameters Change of card operational limits BGN 2 / EUR 1 / USD 1.34 / GBP Card blocking BGN 1 / EUR 0.50 / USD 0.67 / GBP Card activation Registration for the SMS/ service BGN 3 / EUR 1.50 / USD 2 / GBP SMS notification monthly fee BGN 0.30 / EUR 0.15 / USD 0.20 / GBP 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 RaiCARD/RaiCARD + Dir.bg Credit Cards 5.1. Cash withdrawal limit 100% of the credit limit 5.2. Minimum payment 5%, min. BGN 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 Annual card maintenance fee BGN Payment services within the country Payment of goods and services Withdrawal through ATM of RBBG 1.5%, min. BGN Cash deposits through ATM of RBBG 0.05% min. BGN Withdrawal through ATM of other banks 1.5%, min. BGN Withdrawal through POS of RBBG 1.5%, min. BGN Withdrawal through POS of other banks 1.5%, min. BGN Other services within the country Balance enquiry through ATM/POS BGN 0.10 Fees and Commissions Tariff for Individual clients 14

16 Balance enquiry through ATM for the last 5 transactions BGN Change of PIN code Card delivery at another office of RBBG BGN Monthly statement Statement upon request at an office of RBBG Change of cardholder s details, card parameters Change of card operational limits BGN Card blocking BGN Card activation BGN Registration for the SMS service BGN SMS nofitications for minimum payment on credit card Registration for the Automatic Bill Payment service BGN Unreasonable claim on transaction BGN Fee for non-revolving of the monthly payment within the contractual term BGN Overlimit on credit card As per Chapter III, art.3.3 and art.3.4 on annual basis + 8% extra Account closure 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 Interest rate upon purchase/payment (yearly) Visa Classic/MasterCard Standard 17.80% 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 Visa Classic/MasterCrad Standard 1% of the amount 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 Monthly/Annual card maintenance fee BGN 4.40/BGN 44* 6.9. Monthly/Annual card maintenance fee for additional card BGN 2.6/BGN Payment services within the country Payment of goods and services Withdrawal through ATM/POS of RBBG 1.5%+BGN Withdrawal through ATM/POS of other banks 1.5%+BGN Payment services abroad Payment of goods and services Withdrawal through ATM/POS 3%+BGN Receipt of funds on card through POS (credit refund) 1% Currency convertion fee 2%** Other services Balance enquiry through ATM/POS BGN Generation of a new PIN code BGN Monthly statement Statement upon request at an office of RBBG Change of credit/operational limit BGN Card blocking BGN Card activation after past due payment BGN Card activation after entering 3 wrong PINs BGN Unreasonable claim on transaction BGN Compensation for delay (at annual base) 10% Overlimit on credit card BGN Account closure Credit intereset Not applicable Fees and Commissions Tariff for Individual clients 15

17 6.25. SMS/ notification annual fee SMS notification for transaction/card authorization Е-MAIL notification on transaction/card authorization SMS notification for deposited/inbound amounts on card Е-MAIL notification for deposited/inbound amounts on card SMS/ 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. BGN 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 Monthly card maintenance fee BGN Payment services within the country Payment of goods and services Withdrawal through ATM/POS of RBBG 1.5%, min. BGN Withdrawal through ATM/POS of other banks 1.5%, min. BGN Payment services abroad Payment of goods and services Withdrawal through ATM/POS 3% min. BGN Receipt of funds on card through POS (credit refund) 1% Currency convertion fee 2%* Other services Balance enquiry through ATM/POS BGN Generation of a new PIN code BGN Monthly statement Statement upon request at an office of RBBG Change of credit/operational limit BGN Installment plan change BGN Card blocking BGN Card activation after past due payment BGN Card activation after entering 3 wrong PINs BGN Unreasonable claim on transaction BGN Compensation for delay (at annual base) 10% Fee for cardholder s credit review BGN Overlimit on credit card BGN Account closure Credit intereset Not applicable SMS/ notification annual fee SMS notification for transaction/card authorization Е-MAIL notification on transaction/card authorization SMS notification for deposited/inbound amounts on card Е-MAIL notification for deposited/inbound amounts on card SMS/ notification for the minimum payment on credit card * For transactions different from BGN and EUR 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 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 Fees and Commissions Tariff for Individual clients 16

18 8.6. Card issuance, renewal 8.7. Card re-issuing before expiry BGN Monthly/Annual card maintenance fee BGN 9.40/BGN Monthly/Annual card maintenance fee for additional card BGN 5.6 / BGN Payment services within the country Payment of goods and services Withdrawal through ATM/POS of RBBG 1.5%+BGN Withdrawal through ATM/POS of other banks 1.5%+BGN Payment services abroad Payment of goods and services abroad Withdrawal through ATM/POS 3%+BGN Receipt of funds on card through POS (credit refund) 1% Currency convertion fee 2%* Other services Balance enquiry through ATM/POS BGN Generation of a new PIN code BGN Monthly statement Statement upon request at an office of RBBG Change of credit/operational limits BGN Card blocking BGN Card activation after past due payment BGN Card activation after entering 3 wrong PINs BGN Unreasonable claim on transaction BGN Compensation for delay (on annual base) 10% Overlimit on credit card BGN Account closure Credit interest Not applicable SMS/ notification annual fee SMS notification for transaction/card authorization Е-MAIL notification on transaction/card authorization SMS notification for deposited/inbound amounts on card Е-MAIL notification for deposited/inbound amounts on card SMS/ 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 Interest rate upon purchase/payment (yearly) Visa Classic 18.90% 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 Card re-issuing before expiry BGN 20 / EUR Monthly/Annual card maintenance fee BGN 4.40/BGN 44* EUR 2.20 / EUR Monthly/Annual card maintenance fee for additional card BGN 2.6/BGN 26 EUR1.30 / EUR Payment services within the country Payment of goods and services Withdrawal through ATM/POS of RBBG 1.5%+BGN 3 / 1.5% + EUR Withdrawal through ATM/POS of other banks 1.5%+BGN 5 / 1.5% + EUR Cash Withdrawal through POS terminal (cashback) at merchants 1 %** Payment services abroad Payment of goods and services Withdrawal through ATM/POS 3%+BGN 7 / 3% + EUR 3.50 Fees and Commissions Tariff for Individual clients 17

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