V.         LOCAL CURRENCY TRANSFERS

Art. 1

Internal Transfers

1.

The orderer and the beneficiary hold accounts with FIBank

BGN 0.70

a)

Multiple payment order to/from the budget

BGN 1.20

2.

From and to accounts of one and the same client of FIBank

free of charge

3.

The orderer does not have an account with FIBank

BGN 1

4.

When the ordering customer-insuarance broker or agent orders a transfer from customer account according Art. 155, para 1, p. 2 of the Insurance Code

free of charge

5.

When the ordering customer-notary officer orders a transfer from customer account according to Art. 25a of the Law on notaries and notarial practice to a beneficiary’s account with Fibank

free of charge

Art. 2

Interbank Transfers

1.

When the orderer holds accounts with FIBank

BGN 1.80

2.

When the orderer does not have an account with FIBank

1%, min. BGN 7

3.

Transfers via the system for real-time interbank gross settlement system (RINGS)

BGN 12

4.

Multiple payment order to/from the budget

a)

When the orderer holds accounts with FIBank

BGN 3

- via RINGS

BGN 20

b)

When the orderer does not have an account with FIBank

BGN 0.15%, min. BGN 20

- via RINGS

BGN 0.15%, min. BGN  30

Art. 3

Mass payment orders

1.

Internal Transfers

BGN 0.40

2.

Interbank Transfers

BGN 1.10

- via RINGS

BGN 10

Art. 4

Incoming transfers

free of charge

Art. 5

Direct debit

1.

Initiation or payment between FIBank clients

BGN 0.70

2.

Initiation or payment when the orderer or the beneficiary is not a client of FIBank (interbank)

BGN 1.80

3.

Direct debit with a condition for payment

0.2%

Art. 6

Standing orders

1.

Registration

BGN 2

2.

Amendment to the registration

BGN 1

3.

Internal transfer

BGN 0.30

a)

From and to accounts of one and the same client of FIBank

free of charge

4.

Interbank transfer (outgoing)

BGN 1.35

Art. 7

Automatic repayment of liabilities on credit card of Diners Club Bulgaria AD

1.

Registration/amendment to the registration

BGN 1

2.

Cancellation of the registration on the orders of the client

BGN 1

3.

Transfer

BGN 0.20

Art. 8

Automatic payments with Maestro debit card

1.

Payments of utility bills

а)

Registration

BGN 5

b)

Amendment to of registration

BGN 2

2.

Payments via ePayVoice

а)

Registration

BGN 2

b)

Amendment to of registration

BGN 1

Art. 9

Cancellation of transfer order

BGN 10

1.

Cancellation of transfer mass payment order

BGN 50

Notes:

1.

For transfers under Art. 1, Item 3 “a” the orderer shall pay additional charges under Chapter III “Cash transactions “ Art. 1, Item 4 “a” (Art. 1, Item 5 “a” for individuals).

2.

For a transfer under Art. 2, Item 2 the orderer shall not pay additional fees under Art. 1, Item 4 ”a” of Chapter III “Cash transactions “.

3.

For a transfer under Art. 3 the fee shall be collected for every separate credit transfer part of the mass payment transfer.

4.

The Bank reserves the right to refuse to initiate interbank transfers ordered by persons non-clients of the Bank, as well as to refuse the processing of the orders with invalid bank account number of the beneficiary or to set commissions and fees for each particular case, which may differ from those specified in Art. 2.

5.

Payment orders for execution via RINGS accepted until 14.45 o’clock in the Bank’s premises shall be executed on the same working day and payment orders accepted after this time shall be executed on the next working day.