Information on suspension of transactions and operations with dematerialized financial instruments, in relation to the introduction of the Euro

Pursuant to the Law on the Introduction of the Euro in the Republic of Bulgaria, 3 (three) business days prior to the date of introduction of the euro in the Republic of Bulgaria, all transactions and operations in dematerialized financial instruments shall be suspended. Transactions and operations shall be resumed on the first business day after introduction of the euro. All settlement systems shall enable carrying out transactions in euro from that day. In relation to the suspension of transactions and operations, we hereby inform you of the following:

- With regard to units in mutual funds, managed by Managing Company FFBH Asset Management AD - 19 December 2025 at 4:00 p.m. is the last option for the Bank to accept orders for the subscription and redemption of units for 2025. The restriction is related to the completion of the settlement of transactions on 22.12.2025. The acceptance of orders for subscription and redemption of units will be resumed on 05.01.2026.

- With regard to financial instruments - traded on the BSE, orders will be accepted with a deadline until the end of the trading session on 22 December 2025. Settlement of these orders should be completed on 29 December 2025 and no later than 30 December 2025, at 3:10 p.m. Transactions that are not completed within these deadlines will be processed manually and will be completed in euros on/after January 5, 2026. The acceptance of orders will be resumed on January 5, 2026.

- With regard to Bulgarian government securities, registered with the BNB, orders will be accepted with validity date 22 December 2025. Settlement of these orders should be completed on 29 December 2025. The acceptance of orders will be resumed on 5 January 2026.

- With regard to financial instruments, traded on foreign markets, orders will be accepted with validity the end of the trading session on 23 December 2025. Settlement of these orders should be completed by 30 December 2025. Transactions that are not completed within these deadlines will be finalized on/after January 5, 2026. For payments from accounts in BGN, operations will be processed manually and completed in EUR. The acceptance of orders at the Bank’s offices will be resumed on January 5, 2026.

- In relation to the Bank's activity as a registration agent, the acceptance of documents for procedures related to the inheritance of financial instruments will also be suspended after 10.12.2025, in order to complete procedures that have already been initiated.

More information about financial instruments, related to the introduction of the euro is available on the website of Fibank AD: https://www.fibank.bg in the section "The euro" – "Investment services".