Methodology for determining the interest rate (for corporate customers)

Dear clients,

We would like to inform you that for the purpose of your good information and in accordance with the legal requirements, Fibank announces on its website:

• Methodology of First Investment Bank AD for determining of a reference interest rate within the meaning of the law on consumer credit - savings-based interest rate (SIR)
• Methodology of First Investment Bank AD for determining of a basic interest rate (BIR)

• Methodology of First Investment Bank AD for determining the liability interest rate (LIR)

and

• Action plan of First Investment Bank AD  upon significant changes to, or cessation of interest rate benchmarks