Address by Mr. Nikola Bakalov, CEO and Chairman of the Management Board of Fibank, to the customers of the Bank

Dear Customers,

Since March 13, our country has been in a state of emergency caused by measures to combat the spread of coronavirus (COVID-19). We at Fibank (First Investment Bank) are well aware of the challenges our customers are facing. That is why as early as the first day of the declared state of emergency we gave you the opportunity to defer payments on your loans. In addition, Fibank also allowed its borrowers to request an increase of their credit card limits, as well as longer and flexible repayment plans. With these measures, we hope to help our customers and entire sectors that have been, or are likely to be affected by cash shortages due to the spread of coronavirus worldwide.

With a view to improving customer experience, First Investment Bank continues to offer innovative products and services and to adapt existing ones to the circumstances and needs of society and business. We offered our customers the opportunity to use the remote banking of Fibank by registering fully online, without visiting an office.

All Fibank employees work hard to provide you with the latest technologies and options in banking. We developed and launched a special package of the essential and most frequently used digital banking services. The package is available to all Fibank customers completely free of charge until April 17, 2020.

We also introduced appropriate measures to prevent the spread of coronavirus COVID-19 in our offices, in order to protect the health of both our customers and our frontline employees.

Fibank actively participated in a donation campaign to combat the spread of the COVID-19 coronavirus. Thanks to the donation made by the bank, a total of 1,000 people will be able to take the virus test for free. The kits are intended for people referred for testing by their GP.
For more than a quarter of a century now since the establishment of First Investment Bank, we have repeatedly proved that, even in the most difficult and challenging times, we stay close to our customers. Whatever the difficulties, it has been the responsibility and personal attitude to customers and partners that sets Fibank apart. The current situation once again requires our mobilization and dedication, in being new and different from anything we have experienced so far. Let me assure you that Fibank will continue its efforts to provide customers with the most innovative and highest quality products and services. We will lend a hand to anyone going through difficult times because we believe that together we can overcome everything.

Nikola Bakalov,
Chief Executive Officer, Fibank