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

Transcription

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

19 Receipt of funds on card through POS (credit refund) 1% Other services Balance enquiry through ATM/POS BGN 1 / EUR Generation of a new PIN code BGN 5 / EUR Monthly statement Statement upon request at an office of RBBG Change of credit/operational limit BGN 10 / EUR Card blocking BGN 10 / EUR Creditworthiness review Fee BGN 10 / EUR Card activation after entering 3 wrong PINs BGN 5 / EUR Card delivery to another RBBG branch BGN 10 / EUR Unreasonable claim on transaction BGN 10 / EUR Compensation for delay (at annual base) 10% Overlimit on credit card BGN 10 / EUR Account closure Credit intereset Not applicable 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 International contactless credit cards RaiCARD Fix Cash withdrawal limit 100% of the credit limit Fixed Minimum payment depending on the Credit limit BGN 20 (for credit limit between BGN ) BGN 30 (for credit limit between BGN ) BGN 40 (for credit limit between BGN ) BGN 60 (for credit limit between BGN ) BGN 80 (for credit limit between BGN ) BGN 100 (for credit limit between BGN ) Interest rate upon purchase/payment (yearly) % Interest rate upon cash withdrawal (yearly) 18.90% Card issuance fee Card issuance fee for main card BGN Card issuance fee for additional card BGN Card renewal Express card issuance BGN Card re-issuing before expiry BGN Annual card maintenance fee for main card* BGN Annual card maintenance fee for additional card* BGN Payment services within the country Payment of goods and services Withdrawal through ATM/POS of RBBG BGN Withdrawal through ATM/POS of other banks BGN Cash Withdrawal through POS terminal (cashback) at merchants 1 %** Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN Receipt of funds on card through POS (credit refund) 1% Other services Balance enquiry through ATM/POS 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 Creditworthiness review Fee BGN Card activation after entering 3 wrong PINs BGN Card delivery to another RBBG branch BGN 10 Fees and Commissions Tariff for Individual clients 18

20 Unreasonable claim on transaction BGN Compensation for delay (at annual base) 10% Overlimit on credit card BGN Account closure Credit intereset Not applicable 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 International contactless credit cards MasterCard Gold Cash withdrawal limit 100% of the credit limit Minimum payment 5%, min. BGN 10 / EUR Interest rate upon purchase/payment (yearly) 17.90% Interest rate upon withdrawal (yearly) 17.90% Card issuance, renewal Express card issuance BGN 10 / EUR Card re-issuing before expiry BGN 30 / EUR Monthly/Annual card maintenance fee BGN 9.40/BGN 94 EUR 4.70 / EUR Monthly/Annual card maintenance fee for additional card BGN 5.60/ BGN 56 EUR 2.8 / 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 abroad Withdrawal through ATM/POS 3%+BGN 7 / 3% + EUR Receipt of funds on card through POS (credit refund) 1% Other services Balance enquiry through ATM/POS BGN 1 / EUR Generation of a new PIN code BGN 5 / EUR Monthly statement Statement upon request at an office of RBBG Change of credit/operational limits BGN 10 / EUR Card blocking BGN 10 / EUR Creditworthiness review Fee BGN 10 / EUR Card activation after entering 3 wrong PINs BGN 5 / EUR Card delivery to another RBBG branch BGN 10 / EUR Unreasonable claim on transaction BGN 10 / EUR Compensation for delay (on annual base) 10% Overlimit on credit card BGN 10 / EUR Account closure Credit interest Not applicable 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 International contactless credit cards VISA Platinum Cash withdrawal limit 100% of the credit limit Minimum payment 5%, min. BGN 10 / EUR Interest rate upon purchase/payment (yearly) 16.80% Interest rate upon withdrawal (yearly) 16.80% Card issuance fee Card issuance fee for main card BGN 260 / EUR Card issuance fee for additional card BGN 130 / EUR Card renewal Express card issuance BGN 10 / EUR Card re-issuing before expiry BGN 10 / EUR Annual card maintenance fee* Annual card maintenance fee for main card BGN 260 / EUR Annual card maintenance fee for additional card BGN 130 / EUR 65 Fees and Commissions Tariff for Individual clients 19

21 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 abroad Withdrawal through ATM/POS 3%+BGN 10 / 3% + EUR Receipt of funds on card through POS (credit refund) 1% Other services Balance enquiry through ATM/POS Generation of a new PIN code BGN 10 / EUR Card delivery to another RBBG branch BGN 10 / EUR Monthly statement Statement upon request at an office of RBBG Change of credit/operational limits BGN 10 / EUR Card blocking BGN 10 / EUR Creditworthiness review Fee BGN 10 / EUR Card activation after entering 3 wrong PINs BGN 10 / EUR Unreasonable claim on transaction BGN 10 / EUR Compensation for delay (on annual base) 10% Overlimit on credit card BGN 10 / EUR Account closure Credit interest Not applicable Direct Debit Annual Fee BGN 10 / EUR Visit of VIP Lounge*** EUR * 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 POS withdrawal at desk of RBBG with BORICA/Maestro cards, issued by other banks in the country 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 , art and art %, min. BGN 10 + commission, as per Chapter I, art , art and art 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 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

22 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 Issuance and maintenance of debit card Visa Electron/Maestro/Debit MasterCard Payment of goods and services with debit card Withdrawal through ATM of RBBG Intrabank payments in BGN via Raiffeisen Online 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. 2. Comfort bundle 2.1. Opening of the bundle 2.2. Bundle Maintenance BGN 4.95 per month 2.3. Services included in the bundle Opening and maintenance of current account with debit card Visa Electron/Maestro/Debit MasterCard Opening and maintenance of current account in BGN Opening and maintenance of current account in foreign currency Issuance and maintenance of debit card Visa Electron/Maestro/Debit MasterCard Payment of goods and services with debit card Withdrawal through ATM of RBBG Intrabank payments in BGN via Raiffeisen Online Utility payments (3 payments per month) Authomatic transfers to Saving account No limits ( No limitations ) 2.4. Terminating Current account with debit card Plus BGN 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. Premium bundle 3.1. Opening of the bundle 3.2. Bundle Maintenance BGN 11.60/EUR 5.93 per month or BGN /EUR per year 3.3. Services included in the bundle Opening and maintenance of current account with debit card Opening and maintenance of current account Premium Gold in BGN Opening and maintenance of current account Premium Gold in foreign currency Issuance and maintenance of debit card Visa Electron/Maestro / Visa Classic/MasterCard Standard/ Debit MasterCard Payment of goods and services with debit card Withdrawal through ATM of RBBG Intrabank payments in BGN via Raiffeisen Online Utility payments (3 payments per month) Registration for the SMS service on debit card transactions and 5 SMS monthly Authomatic transfer (SWEEP) from current account Premium Gold in BGN/EUR to debit card, Deposit + or another account in BGN/EUR in RBBG Fees and Commissions Tariff for Individual clients 21

23 3.4. Terminating Premium Bundle BGN 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. 4. Student banking bundle 4.1. Opening of the bundle 4.2. Bundle maintenance 4.3. Services included in the bundle Opening and maintenance of current account with debit card Opening and maintenance of current account in BGN Issuance and maintenance of debit card Visa Electron Payment of goods and services with debit card Withdrawal through ATM of RBBG 4.4. 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 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. 5. Current account / Current account + bundle 5.1. Maintenance of Current account bundle BGN 3.20 per month 5.2. Maintenance of Current account + bundle BGN 3.80/EUR 1.94 per month 5.3. Terminating using Current account / Current account + bundle BGN Raiffeisen Exclusive Silver / Raiffeisen Exclusive Silver + Bundle 6.1. Maintenance of Raiffeisen Exclusive Silver bundle BGN 4.20 per month 6.2. Maintenance of Raiffeisen Exclusive Silver+ bundle BGN 4.80/EUR 2.45 per month 6.3. Terminating using Raiffeisen Exclusive Silver / Raiffeisen Exclusive Silver+ bundle BGN The fees in art. 5 and art. 6 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

24 Chapter Five: Securities Transactions 1. Operations with Securities and Maintenance of securities subaccounts 1.1. Operations with Bulgarian securities Incoming transfer of Bulgarian securities to a subaccount at Raiffeisenbank (Bulgaria) EAD EUR 5 per transfer per item Outgoing transfer for Bulgarian securities EUR 25 per transfer per item Deal-related transfers of Bulgarian securities to a third party custodian bank in Bulgaria Maintenance of subaccounts for Bulgarian securities for nonprofessional investors EUR 5 per transfer per item Issuing of Depository Receipt for ownership of securities EUR 5 per receipt 1.2. Operations with foreign securities* Incoming and outgoing delivery and receive-free-of-payment transfers of foreign securities 0.07 % p.a., charged monthly, min EUR 5 monthly (per asset class), applied on the securities market value EUR 30 per transfer per item Incoming and outgoing delivery-and-receive-versus-payment transfers of securities abroad (incl. deal-related transfers) Ukraine, Russia, Kazakhstan, India, Indonesia, South Korea, Philippines, Azerbaijan, Egypt, Montenegro Australia, Brazil, Iceland, Israel, Malaysia, Mexico, New Zealand, Portugal, Singapore, Taiwan, Thailand EUR 100 per transfer per item EUR 65 per transfer per item Eurobonds, USA, Austria EUR 40 per transfer per item Czech Republic, Serbia, Slovakia, Slovenia Negotiable Other Markets EUR 50 per transfer per item Maintenance of subaccounts for foreign securities for non-professional investors Bosnia & Herzegovina, Egypt, Israel, Kazakhstan, Montenegro 0.45 % p.a., charged monthly, min EUR 5 monthly (per asset class), applied on the securities market value Other Markets 0.20 % p.a., charged monthly, min EUR 5 monthly (per asset class), applied on the securities market value 2. Securities Investment Services 2.1. Deals with shares and compensatory instruments on regulated domestic market Value of the order or reached turnover Up to BGN 0.80%, min EUR From BGN to BGN 0.65% Over BGN Negotiable 2.2. Deals with shares and compensatory instruments on regulated domestic market made via COBOS Value of the order or reached turnover Up to BGN 0.50%, min EUR From BGN to BGN 0.45%, min EUR Over BGN Negotiable 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) In EUR as a percentage of the deal value Commissions (BSE and Central Depository fees included) Negotiable 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 Up to BGN 0.10%, min 30 EUR From BGN to BGN 0.08% Over BGN Negotiable 2.5. Deals with Bulgarian Government Securities Commissions (BSE and Central Depository fees included) Deals on a primary market In EUR as a percentage of the nominal value of the order For approved orders 0.05%, min EUR 50 per order For non-approved orders EUR 3.5 per order Fees and Commissions Tariff for Individual clients 23

25 Deals on a secondary market In EUR as a percentage of the deal value For deals with Raiffeisenbank (Bulgaria) EAD For deals where Raiffeisenbank (Bulgaria) EAD acts as intermediary Negotiable 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 In EUR as a percentage of the deal value market For deals with Raiffeisenbank (Bulgaria) EAD For deals where Raiffeisenbank (Bulgaria) EAD acts as intermediary Negotiable 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 EUR Commission Austria 0.30%, min EUR Germany - XETRA 0.30%, min EUR Germany Frankfurt, Parkett, etc. 0.60%, min EUR France, Italy, Belgium, Denmark, Finland, Netherlands, Norway, 0.40%, min EUR 40 Spain, Sweden, Portugal Switzerland Buy 0.37%, min EUR 40 Sell 0.30%, min EUR Great Britain Buy - 0,90%, EUR 40 (+ 0.5% stamp duty tax) Sell %, min EUR Great Britain (IOB, GDR's) 0.40%, min EUR Ireland Buy 1.50%, min EUR 40 Sell 0.60%, min EUR USA (Bloomberg Order Routing) 8 cents per share (USD), min USD 10** Canada (Bloomberg Order Routing) 14 cents per share (CAD), min CAD 50*** Japan, Singapore 1.50%, min EUR Australia, Hong Kong 0.90,% min EUR 60 (for Hong Kong - min EUR 40) Russia 0,50%, min USD Greece Buy 0.60%, min EUR 60 Sell 0.90%, min EUR Croatia, Estonia, Latvia, Lithuania, Slovakia, Slovenia 0.90%, min EUR Poland 0.40%, min EUR Czech Republic 0.63%, min EUR Romania 1.26%, min EUR Turkey 0.70%, min EUR Other regulated markets Negotiable Deals with equities, ETFs, etc. above EUR Negotiable 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 For subscriptions on primary market As per certificate term sheet For deals on secondary market 0.65 %, min EUR Initial Public offerings and capital increases for Bulgaria and abroad Negotiable (within the scope of investment intermediary service contracts) Participation in tender offers for Bulgaria and abroad (within the Negotiable scope of investment intermediary service contracts) Privatization deals where the payment is made in compensation Negotiable vouchers For all cases, which are not explicitly indicated in the current Tariff and/or there are other arranged conditions with the client, the arranged conditions and clauses on the individual contract between the client and RBBG are applied. * Other fees and out-of-pocket expenses (e.g. government transaction taxes and other fees applicable upon transacting) 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). *** Via g.brokerage internet based trading platform 0.90%, min EUR 60 (only upon exact client s specification). Fees and Commissions Tariff for Individual clients 24

26 Chapter Six: Payment account with basic features 1.Opening, minimum balance and maintenance 1.1. Opening of payment account with basic features BGN Minimum balance of payment account with basic features None 1.3. Maintenance of payment account with basic features BGN 1.70 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 None 2.2 Accounts opened over 12 months before the account closure date None 1. The account manintanance fee is not applicable for the account closing month. 3. Cash transactions 3.1. Cash withdrawals of bank notes and coins Cash withdrawals of bank notes from a payment account with basic features Up to BGN incl. (daily limit) BGN 1 per transaction Cash withdrawals of bank notes from a payment account with basic features Up to BGN 10 incl. (daily limit) Over BGN 10 3% on the amount exceeding BGN 10, min. BGN 2 1. For cash withdrawal of an amount over BGN 1 000, the commission is according Chapter I, p.2 и Chapter II, p Cash deposits of bank notes and coins Cash deposits of bank notes Up to BGN 2, 000 (daily limit) Over BGN 2, Of Banknotes not sorted in wads 100 pieces each, by denomination, face upwards, same side up Cash deposits of coins Up to BGN 10 incl. (daily limit) 0.1% on the amount exceeding the daily limit, max BGN % on the total amount in addition to the commission in 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. 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. 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 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

27 4.2. 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 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 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 and art 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 Intrabank transfers Intrabank payments ordered in paper form BGN 1 Intrabank payments ordered electronically BGN 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 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 or p 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 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 Ordered in paper form BGN Ordered electronically BGN Payment performed by RBBG on direct debit request, initiated by another bank through the interbank settlement system BISERA Up to BGN , performed through BISERA BGN 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 1 BGN 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. BGN 1 6. Payments in EUR 6.1. 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 Fees and Commissions Tariff for Individual clients 26

28 6.2. 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 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 Outgoing payments to countries outside The European Union Outgoing payments in EUR 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 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 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 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 Intrabank transfers Intrabank payments ordered in paper form EUR Intrabank payments ordered electronically EUR 1.50 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 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 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 Payment of goods and services Withdrawal through ATM of RBBG BGN Withdrawal through ATM of other banks BGN Withdrawal through POS of RBBG BGN 5 + 1% Withdrawal through POS of other bank BGN 5 + 1% 7.6. Payment services abroad Payment of goods and services Withdrawal through ATM/POS BGN 5 + 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

29 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 3.1. Bulgarian language BGN English language BGN Additional fee for express issuance /same working day/ BGN Issuing bank references 4.1. Bulgarian language BGN English language BGN Additional fee for express issuance /same working day/ BGN Issuing of bank information in form under customer's requirement 5.1. Bulgarian language BGN English language BGN Additional fee for express issuance /same working day/ BGN Subscription to the automatic bank information system EUR 1 per month 7. Raiffeisen Online 7.1. Setting of specific rights for Raiffeisen Online BGN Re-issue of PIN for Raiffeisen online BGN Activation of TOKEN device BGN 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 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 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 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 In paper form For payments through RINGS until h. for processing with same-day value date for the beneficiary s bank For payments through BISERA until h. for processing with same-day value date for the beneficiary s bank and until h. for processing with next-day value date for the beneficiary s bank Fees and Commissions Tariff for Individual clients 28

30 For payments through SEBRA until h. for processing on the same business day For intrabank payments until h In electronic form For payments through RINGS until h. for processing with same day value date for the beneficiary s bank For payments through BISERA until h. for processing with same-day value date for the beneficiary s bank and until h. for processing with next-day value date for the beneficiary s bank For payments through SEBRA until h. for processing on the same business day For intrabank payments until h For payments in foreign currency To other banks: With value date two business days forward /spot/ h Intrabank transfers until h. With next-day value date h. With same-day value date for payments in USD and EUR h Payment orders, deposited at RBBG after the above hours, are processed on the next day and are registered with the respective date. 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 h. in foreign currency, received until h. in BGN, received through BISERA until h. in BGN, received through RINGS until 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 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 29