II.        BANK ACCOUNTS

Art. 1

Opening of bank accounts

1.

Current accounts in local and foreign currency

BGN 10

2.

Cumulative, liquidation, VAT accounts and special accounts

BGN 10

3.

Term deposits and donation accounts

free of charge

4.

Other special accounts

by arrangement,      min. 0.2%,              min. BGN 100

5.

Current (card) accounts in local and foreign currency of individuals

BGN 2

a)

current accounts with debit card in local and foreign currency of individuals

BGN 1

b)

joint current accounts

BGN 10

6.

Saving accounts

a)

saving account for children

free of charge

b)

non term saving account

BGN 1.90

c)

renewing of a savings-bank book

BGN 2

7.

Account as per art. 39 from Law on the attornies

BGN 30

8.

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

free of charge

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

free of charge

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

Art. 3

Closing bank accounts

1.

Closing current accounts by order of the account holder

BGN 10

2.

Closing current accounts by order of the account holder - individual

free of charge

3.

Closing other bank accounts

free of charge

a)

for accumulation accounts

BGN 10

b)

for liquidation accounts

BGN 10

c)

for accounts of enterprising committee under the Election Code

free of charge

Art. 4

Bank accounts of investment intermediaries (non-banks) servicing book-entry securities transactions

according to Chapter XV, Art. 5

Art. 5

VIP - IBAN for a package for up to 5 accounts

BGN 100

Art. 6

Reports (statements) on bank account

1.

Report (statement) on bank account – upon request in Fibank

а)

report for a chosen period/day from the current month

- for legal entities – dublicate

BGN 3

- for individuals

BGN 2

b)

monthly report for a previous period up to 6 months as of the last reporting period inclusive

BGN 5 per report

- for individuals

free of charge

c)

monthly report for a previous period more than 6 months

BGN 10 per report

- for individuals

BGN 5 per report

2.

Reports (statements) on bank accounts on an electronic medium – “My Fibank”

According to Chapter XVII

3.

Reports (statements) on bank accounts on an electronic medium – Virtual banking branch

According to Chapter XVII, Art. 4

Art. 7

Reports (statements) on accounts with bank cards

1.

Report on account with a debit card – by mail

a)

monthly

BGN 1 per shipment

b)

for 3 months

BGN 2 per shipment

c)

for 6 months

BGN 3 per shipment

d)

for 12 months

BGN 5 per shipment

2.

Statement on card account with a credit card on a paper-based medium

а)

monthly by mail

BGN 1

b)

upon request at Fibank for the last reporting period

free of charge

c)

upon request at Fibank for the last reporting period - dublicate

BGN 2

d)

upon request at Fibank for previous reporting period

BGN 10

3.

Statements on electronic medium on card account with a credit card

а)

“My Fibank”

free of charge

b)

Virtual banking branch

free of charge

Notes:

1.

The Bank requires a minimum balance of BGN 30.00 (or the equivalent amount in foreign currency) for all accounts defined in Art. 1.1 and. 2.1 and a minimum balance of BGN 50.00 for accounts of enterprising committee under the Election Code. Zero balance under these types of accounts shall be deemed sufficient ground for closing the account without prior notification of the Titleholder.

2.

VIP – IBAN can be generated only by opening an account, the fee under Art. 5 are collected by opening of 1 to 5 accounts at once.

3.

Dublicate – a report (statement) on a paper-based medium given upon customer’s damand in an office/branch different from those where statements are received or when receiving statements on an electronic medium through “My Fibank” or the Virtual banking branch.

4.

The fees and commissions valid for legal entities shall also be applied to customers-condominium regardless of their management form and type of used bank services and to customers-enterprising committees under the Election Code.

5.

No fee shall be collected by the Bank for closing an accumulation account under Art. 3, Item 3, “a” in case the customer simultaneously opens a current account with Fibank.

III.       CASH TRANSACTIONS

Art. 1

Cash transactions in local currency

1.

Cash deposits

a)

Up to BGN 5,000

free of charge

b)

For the amount above BGN 5,000

0.1%, max. BGN 200

c)

To term deposits

free of charge

2.

Cash withdrawal

a)

Up to BGN 2,000

BGN 1

b)

For the amount above BGN 2,000

0.3%, min. BGN 3, max. BGN 500

c)

Without prior notice

0.4%, min. BGN 10, max. BGN 800

d)

From term deposit

- at maturity

free of charge

- before maturity

According Item 2 “a”, “b” and “c”

3.

Cash withdrawal of coins

2% of the amount, min. BGN 10

4.

Non-clients of FIBank

a)

Cash deposit

0.2%, min. BGN 2, max BGN 200

5.

To/From term deposits, current and saving accounts of individuals

a)

Cash deposits

free of charge

b)

Cash withdrawal

- up to BGN 5,000

BGN 0.50

- for the amount above BGN 5,000 daily

0.25%, min. BGN 2, max. BGN 300

c)

Without prior notice

0.4%, min. BGN 10, max. BGN 400

d)

From term deposit

- at maturity

free of charge

- before maturity

according Item 5 “b” and “c”

6.

Cash withdrawal of coins

2% of the amount, min. BGN 10

7.

To/from customer accounts of insurance brokers and agents according Art. 155, para 1, p. 2 of the Insurance Code

a)

Cash deposits

- up to BGN 3,000

BGN 2 per deposit

- for the amount above BGN 3,000

0.1%, max. BGN 200

b)

Cash withdrawal

according Art. 1, Item 2

8.

To/from special accounts according to Art. 25a of the Law on notaries and notarial practice

a)

Cash deposits

According Art. 1,Item 1

- by individuals, including non-clients of FIBank

free of charge

b)

Cash withdrawal

According Art. 1,Item 2

9.

In the event of prior arrangement and subsequent refusal or reduction of the requested amount upon withdrawal

0.2% on the refused/reduced amount, min. BGN 10

Art. 2

Cash transactions in foreign currency

1.

Cash deposit

a)

Up to EUR 2,500

free of charge

b)

For the amount above EUR 2,500

0.15%, max. EUR 150

c)

To term deposits

free of charge

2.

Cash withdrawal

0.3%, min. EUR 5, max. EUR 300

a)

Without prior notice

0.4%, min. EUR 5, max. EUR 300

b)

From term deposit

- at maturity

free of charge

- before maturity

according to Art. 2 Item 2 and Item 2 “a”

3.

Non-clients of FIBank

a)

Cash deposit

0.2%, min. EUR 2, max EUR 150

4.

To/from term deposits, current and saving accounts of individuals

a)

Cash deposit

free of charge

b)

Cash withdrawal:

- up to EUR 2,500

EUR 0.30

- for the amount above EUR 2,500 daily

0.3%, min. EUR 5, max. EUR 200

c)

Without prior notice

0.4%, min. EUR 5, max. EUR 300

d)

From term deposit

- at maturity

free of charge

- before maturity

according Art. 2, Item 4 “b” and “c”

5.

To/from customer accounts of insuarance brokers and agents according Art. 155, para 1, p. 2 of the Insurance Code

a)

Cash deposits

- up to EUR 1,500

EUR 2

- for the amount above BGN 1,500

0.15%, max. EUR 100

b)

Cash withdrawal

according Art. 1, Item 2

6.

To/from special accounts according to Art. 25a of the Law on notaries and notarial practice

a)

Cash deposits

According Art. 2,Item 1

- by individuals, including non-clients of FIBank

free of charge

b)

Cash withdrawal

According Art. 2,Item 2

7.

In the event of prior notice and subsequent cancelation or reduction of the requested amount at the day of the withdrawal

0.3%, min. EUR 20

Art. 3

Other cash transactions:

1.

Collection and/or transportation of cash amounts

by arrangement, min. BGN 50

2.

Changing notes

1% on the amount, min. BGN 10

3.

Checking notes

BGN 1 per note

4.

Postponed exchanging of damaged and/or drop out of currency notes in foreign currency

10%, min EUR 10, max. EUR 500

5.

Cash deposit in BGN coins

3%, min. BGN 10

6.

Exchanging BGN notes to coins and vice versa

3%, min. BGN 10

Notes:

1.

The deposit and withdrawal amount under Art. 1 and Art. 2 are calculated per client on a daily basis.

2.

For cash withdrawals above BGN 5,000 or EUR 2,500 (equivalence in in USD), the client should make a prior notice until 15.00 o’clock on the previous working day. A preliminary notice is needed for cash withdrawals in currencies different from BGN, EUR and USD. Amounts above BGN 30,000 or EUR 15,000 (equivalence in other foreign currency) should be announced 2 working days in advance.

3.

Cash withdrawals above BGN 50,000 (equivalence in foreign currency) on working days after 17.30, as well as on Saturdays, Sundays and holidays should not be allowed without prior notice in accordance with Item 2 stated above and should be written out with own signature and submitted personally by the Titleholder at FIBank’s office.

4.

For cash withdrawals before maturity from term deposit accounts, a prior notice is required and charges for cash withdrawals are due.

5.

The commission under Art. 3, Item 5 is collected in case of cash deposit of more than 100 coins, regardless of their denomination as well as if the cash deposit contains both notes and coins.