Dear customers,

We hereby inform you that as of December 8, 2025, amendments to the List of Terms and Conditions applicable to corporate clients and sole proprietorswill enter into force.

The changes to the Tariff for Corporate clients and Sole proprietors are as follows:

1/ Section II. CASH TRANSACTIONS

a) point 1. Cash deposits, 1.1. Current account, Escrow account, Special account, Time deposit – the % and the minimum fee are increased:
- for leva: from “0.5%, min 5 BGN (2.56 EUR)” -> becomes “0.8%, min 9.78 BGN (5 EUR)”
- for currency: from “0.5%, min 2.50 EUR (4.89 BGN)” -> becomes “0.8%, min 5 EUR (9.78 BGN)”

b) point 2. Cash withdrawals, 2.1. Current account, Escrow account, Special account, Time deposit – the threshold of 50,000 leva is removed when withdrawing leva and the % of the fee is increased:
- for leva: from “Up to 50,000 – 0.65%, min 6 BGN (3.07 EUR); over 50,000 – 0.75%” -> becomes “0.8%, min 9.78 BGN (5 EUR)”
- for currency: from “0.7%, min 5 EUR (9.78 BGN)” -> becomes “0.8%, min 5 EUR (9.78 BGN)”

c) point 2.3. Cash withdrawal without prenotice (only with bank’s consent) – the % of the fee is changed:
- for leva: from "5,000 to 50,000 – 0.75%; over 50,000 – 0.85%" -> becomes "0.9% for the amount over 5,000 BGN"
- for currency: from "5,000 to 50,000 EUR/USD – 0.75%; over 50,000 EUR/USD – 0.85%" -> becomes "0.9% for the amount over 5,000 EUR"

d) point 2.4. Declared to be withdrawn but not withdrawn amount – the % of the fee changes: from 0.7% to 0.8%.

2/ Section III. PAYMENTS

a) point 1.1. and 2.1 – “leva” becomes “national currency”;

b) point 2.2. Payments in EUR towards banks within EEA, Switzerland, San Marino and Monaco - it is specified that SEPA payments are Batch and Instant payments;

c) a new point “3) Limits of Instant payment via remote channel: a) 5,000 EUR per transfer and b) 15,000 EUR daily limit” is added to the Notes under point 2.2.;

d) clarifications in the statement about several fees.

3/ Section IV. DOCUMENTARY OPERATIONS

a) “min” is removed before the amount for all commissions in the section;

b) point 1.1.3. Issuing is changed to “Issuing, processing and payment”, with the following changes in the two sub-items:
- With blocked cash collateral - the fee amount is changed from “min 0.35%, but not less than 100 EUR (195.58 BGN) per quarter or part of it” to “0.4%, but not less than 100 EUR (195.58 BGN) per quarter or part of it)”;
- Without blocked cash collateral - the fee amount is changed from “By agreement” to “By agreement, but not less than 100 EUR (195.58 BGN)”;

c) point 1.1.5. Processing and payment, “min 0.15%, but not less than 50 EUR (97.79 BGN)” - is deleted, as it becomes part of point 1.1.3;

d) a new note is added in the Notes section under point 1: “3) Issuing, processing and payment commission under point 1.1.3. is collected upon issuance of the letter of credit for the entire period of validity, and the amount collected is not subject to return in the event of a reduction in the Bank's commitment.”;

e) point 1.1.12. Photocopies of documents for the bank file is removed;

f) point 1.2.2. Advising of a letter of credit “Without confirmation” is changed to “Advising without commitment”;

g) point 1.2.3. Payment/Negotiation is deleted, as it is included in the fee under item 1.2.11;

h) point 1.2.4. Transfer of a letter of credit – a clarification is added that the fee is for a quarter or part of it;

i)  point 1.2.11. Processing and sending of documents – is changed to “Processing and payment of documents”;

j)  point 2.1.2. Issuance of a guarantee without blocked cash collateral, secured by a counter-guarantee and issuing a counter-guarantee – the fee is changed from “By agreement” to “By agreement, but not less than 60 EUR (117.35 BGN);

k) point 2.1.3. Express issuance – the fee is changed from “150 EUR (293.37 BGN)” to “100 EUR (195.58 BGN)”;

l)  point 2.2.2. Advice without confirmation is changed to “Advice without commitment” with changed maximum commission amount from 500 EUR to 350 EUR;

m) point 2.2.3. Payment – the fee is changed from “min 0.15%, but not less than 30 EUR (58.67 BGN), max 500 EUR (977.92 BGN)” to “0.1%, but not less than 50 EUR (97.79 BGN), max 200 EUR (391.17 BGN)”;

n) point 2.2.5. Correspondence upon customer’s request – the fee is changed from 30 EUR (58.67 BGN) to 50 EUR (97.79 EUR);

o) a new note to Notes to p.1 is added: 3) The Commission for Opening, processing and payment under item 1.1.3. is collected upon issuance of the letter of credit for the entire period of validity, and the amount collected is not subject to return or reduction of the Bank's commitment.

4/ Section V. LOANS

a) point 1.2. Application for loans:
-  point 1.2.1. Loan, different from p.1.2.2, 1.2.3 and 1.2.4 – the fee is changed from „0.15%, min 150 BGN (76.69 EUR)“ to „0.15%, min 156.47 BGN (80 EUR)“;
- point 1.2.2. Loan secured by direct payments – the fee is changed from “as per agreement, min 0.15%, but not less than 150 BGN (76.69 EUR)” to “0.15%, min 156.47 BGN (80 EUR)”;

b) point 1.3. Loan management and administration, 1.3.2. For the second and each subsequent year of the loan – the fee is changed from “as per agreement, min 0.5% on the PBO (principal balance outstanding)” to “as per agreement, min 1% on the PBO (principal balance outstanding)”;

c) point 1.4. Commitment, 1.4.1. Credit line and 1.4.2. Overdraft – the fee is changed from “as per agreement, min 1% on the committed exposure” to “1.5% per year, on the unused amount”;

d) point 1.5.3. Credit line, repayment with own funds from the activity and loan agreement termination – the fee is changed from “1% on the committed exposure” to “1.5% on the committed exposure”;

e) point 1.6. Change of the terms and the conditions of the loan (excl. price changes), renewal for another one-year period of overdrafts and credit lines:
- point 1.6.1. All loan, different from p. 1.6.2 – the fee is changed from „0.2%, min 150 BGN (76.69 EUR)” to „0.2%, min 156.47 BGN (80 EUR)”;
- point 1.6.2. Revolving credit line secured by direct payments – the fee is changed from „0.15% on the committed exposure, min 100 BGN (51.13 EUR), max 300 BGN (153.39 EUR)” to „0.15% on the committed exposure, min 97.79 BGN (50 EUR), max 293.37 BGN (150 EUR)”;

f) point 2.2. Application for loans – the fee is changed from „0.15%, min 150 BGN (76.69 EUR)” to „15%, min 156.47 BGN (80 EUR)”;

g) point 2.4. Commitment, 2.4.1. Credit line and 2.4.2. Overdraft – the fee is changed from „2% per year, on the unused amount“ and “1% per year, on the unused amount“ to „1.5% per year, on the unused amount“;

h) point 2.6. Change of the terms and the conditions of the loan (excl. price changes), renewal for another one-year period of overdrafts and credit lines – the fee is changed from „0.15%, min 150 BGN (76.69 EUR)” to “0.15%, min 156.47 BGN (80 EUR)”.

5/ Section VI. DEBIT AND CREDIT CARDS

- only "VISA BUSINESS CREDIT" remains („MASTERCARD BUSINESS CREDIT” is removed).

Best regards,
the BACB Team