Dear customers,

We would like to inform you that as of October 12, 2026, the Bank will apply changes in the Interest Rates Terms of BACB AD, as follows:

I. New Promotional deposit “30 Years BACB” for individuals:

• 3 months in EUR – 3.00% р.а.

The deposit may be opened at a Bank office by both new and existing customers using newly acquired funds credited to their accounts either by transfer from another payment institution or by cash deposit made between 12 October 2026 and 31 December 2026.

II. New terms of Standard deposit for individuals:

• 18 months in EUR – 1.40% р.а.; in USD – 1.60% р.а.
• 36 months in EUR – 1.80% р.а.; in USD – 2.00% р.а.

III. Interest rates on the following types of products for individuals are changing:

• Online deposit 3 months in EUR – from 1.00% р.а. to 3.00% р.а.
• Children’s Savings-account “Smile“ in EUR – from 0.10% р.а. to 0.50% р.а.; in USD – from 0.10% р.а. to 0.70% р.а.

IV. A new section III. Accounts and deposits transferred from Tokuda Bank following the merger into BACB, which describes how Tokuda Bank customers’ accounts will be transferred and how interest will be accrued on those accounts.

Sincerely,
The BACB Team