XIV.     BANK CARDS

            DEBIT CARDS

Art. 1

International debit cards Maestro

1.

Issuance of first card on a current account

free of charge

a)

Issuance of every additional Maestro, VISA Electron or V PAY debit card

BGN 1

2.

Express issuance of debit card

a)

For FIBank head office and all offices and branches in Sofia – one working day after submittal of application

BGN 20

b)

For FIBank branches outside Sofia – within three working days after submittal of application

BGN 20

3.

Reissuance of debit card

BGN 5

4.

Maintenance fee

free of charge

5.

Cash withdrawal from ATM

a)

FIBank ATMs

BGN 0.10

b)

other banks’ ATMs in Bulgaria

BGN 0.90

c)

ATM abroad

BGN 3 + 1.5% of the amount withdrawn

6.

Payment at POS terminal in Bulgaria and abroad

BGN 0.15

а)

with Maestro PayPass card

free of charge

7.

Payment of services via ATM

BGN 0.15

8.

Cash withdrawal at commercial outlet

BGN 0.30

9.

Cash withdrawal at POS terminal in branches of Fibank

0.2%, min. BGN 1

а)

Cash withdrawal at POS terminal in branches of other bank

1% of the amount withdrawn

10.

Cash withdrawal at POS terminal in branches of other bank abroad

BGN 3 + 1.5% of the amount withdrawn

11.

Change of PIN code at ATM

free of charge

12.

Change of card limts

BGN 3

13.

Blocking a card

free of charge

14.

Unblocking a card

BGN 1

15.

Unjustified disputed transaction

BGN 20

16.

Subscription for statements for all bank accounts of the client with Fibank ensured at client’s request with the mediation of other payment service providers via Internet

a)

for 3 months

BGN 5

b)

for 6 months

BGN 7.50

c)

for 12 months

BGN 10

17.

Minimum balance on card account

not required

18.

Balance check up at ATM

free of charge

19.

Delivery of an issued card in a branch in different town upon customer request

BGN 10

20.

Delivery abroad by special courier of an issued card upon customer request

BGN 100

II.        BANK ACCOUNTS

Art. 2

Maintenance of bank accounts

1.

Current accounts in local and foreign currency

a)

for statements in paper-based form

BGN 12 monthly

b)

for statements in electronic form – “My Fibank” (according to Chapter XVII)

BGN 6 monthly

2.

Cumulative, liquidation and special accounts

a)

for statements in paper-based form

BGN 12 monthly

b)

for statements in electronic form – “My Fibank” (according to Chapter XVII)

BGN 6 monthly

c)

Cumulative accounts for incorporation of companies

free of charge

3.

Amendment of terms and conditions of special accounts

by arrangement,      min. BGN 50

4.

Term deposits, VAT accounts and donation accounts

free of charge

5.

Current accounts in local and foreign currency of individuals

BGN 0.95 monthly

a)

Current accounts with a debit card in local and foreign currency of individuals

BGN 0.30 monthly

b)

Joint current accounts

BGN 1 monthly

6.

Saving accounts

a)

saving account for children

free of charge

b)

non term saving account

free of charge

7.

Account as per art. 39 from Law on the attornies

a)

for statements in paper-based form

BGN 12 monthly

b)

for statements in electronic form – “My Fibank” (according to Chapter XVII)

BGN 6 monthly

8.

Customer accounts of insuarance brokers and agents according Art. 155, para 1, p. 2 of the Insurance Code

a)

for statements in paper-based form

BGN 12 monthly

b)

for statements in electronic form – “My Fibank” (according to Chapter XVII)

BGN 6 monthly

9.

Special accounts according Art. 24 of the Law on public execution officers

free of charge

10.

Special accounts according to Art. 25a of the Law on notaries and notarial practice

a)

for statements in paper-based form

BGN 12 monthly

b)

for statements in electronic form – “My Fibank” (according to Chapter XVII)

BGN 6 monthly