Dear customers,

We hereby inform you that changes come into force in the List of Terms and Conditions of BACB Applicable for Customers – Individuals, List of Terms and Conditions of BACB Applicable for Corporate Customers and Sole Traders, General Terms and Conditions for the Provision of Payment Services and Related Payment Instruments and General Terms and Conditions for Deposit Agreements.

I. Amendments to the List of terms and conditions of BACB applicable for customers – individuals effective as of 1 June 2026:

• Changes to cash withdrawal fees using a debit card from a Payment account for basic services – Section X. Payment account for basic services, item 5.2:
  - at the Bank’s ATMs – reduced from EUR 0.14 / BGN 0.27 to EUR 0.13 / BGN 0.25;
  - at ATMs of other banks in Bulgaria – reduced from EUR 0.53 / BGN 1.04 to EUR 0.52 / BGN 1.02.
• Addition of deadlines for execution of payment transactions – Section III. Payments, Notes to Section III, new items 7), 8) and 9).
• Addition of the following clarifications:
  - only one active debit card may be issued for a Clean Account in euro and US dollars – Section I. Accounts, Notes to item 5), new item 3);
  - Certificate of residual debt on credit, engagement letter cannot be issued on an express basis within the same business day – Section IX. Others, item 1. Bank Certificate;
  - detailed description of fees applicable to cash transfers – Section III. Payments, item 4.3. Cash Transfer. 

II. Amendments to the List of terms and conditions of BACB applicable for Corporate Customers and Sole Traders effective as of 1 June 2026:

• Addition of deadlines for execution of payment transactions – Section III. Payments, Notes to Section III, new items 7), 8) and 9).
• Addition of the following clarifications:
  - Certificate of residual debt on credit, engagement letter cannot be issued on an express basis within the same business day – Section XI. Others, item 2. Bank Certificate;
  - detailed description of fees applicable to cash transfers – Section III. Payments, item 5.3. Cash Transfer;
  - clarification that where a customer requests account statements to be provided through more than one channel, the Bank shall apply the higher monthly maintenance fee – Section I. Accounts, Note added to item 2;
  - clarification that monthly charges for Escrow Accounts commence from the month in which six months have elapsed from the account opening date – Section I. Accounts, item 2.7. Maintenance of an Escrow Account.

III. Amendments to the General Terms and Conditions for the Provision of Payment Services and Related Payment Instruments effective as of 1 June 2026:

• Detailed specification of timeline conidiations for executing payment orders including domestic transfers:
  - for transfers submitted on paper – Section II. Payment Services, Articles 11, 13, 14 and 15;
  - for transfers initiated through remote banking channels – Section III. Remote Banking, Article 65.
• Removal of provisions relating to Direct Debit and RINGS, which were offered until 31 December 2025.

IV. Amendments to the General Terms and Conditions for Deposit Agreements effective as of 9 June 2026:

• A new point 2. Conclusion of deposit contracts regarding electronic signing of documents within the meaning of the Electronic Document and Electronic Trust Services Act has been added.

Sincerely,
The BACB Team