up to 35 years (420 months);

Mortgage on the following properties on the territory of the Republic of Bulgaria:

• the purchased property or other property located in a residential, administrative or commercial building;
• regulated land plot;

• from 2.74%, variable annual interest rate, formed on the basis of SBIR* + allowance, depending on the individual credit rating of each borrower, upon fulfillment of the following conditions:
• transfer of the declared income to a current account with the bank,
• use of a Visa/MasterCard credit card issued by the bank, active electronic banking and registered at least one utility payment in electronic banking;
• use of a bank package;
• use of "Peace of Mind with FiHealth" insurance;

*SBIR - interest rate based on savings is a reference interest rate calculated for each individual type of currency according to a methodology announced by the Bank.

According to the current Tariff of fees and commissions of FIB AD.

The indicated minimum interest rates are applicable to borrowers who meet the Bank's requirements, for the entire period of validity of the loan agreement, have no delay in paying any amount due on the loan for a period longer than 30 days, and simultaneously use all additional interest discounts as follows:

• 1.00% for receiving the declared income on a current account with the Bank;
• 0.25% for using a Visa/MasterCard credit card issued by the Bank, active electronic banking and at least one utility payment registered in electronic banking;
• 0.20% for using "Peace of Mind with FiHealth" insurance;
• 0.10% for using electronic banking and banking package.

The annual interest rate is determined depending on the individual credit rating of each borrower.

The interest owed by the credit applicant is paid periodically in the amount and at the maturity dates detailed in the repayment schedule, which is an integral part of the loan agreement.

Changes to the repayment schedule and repayment installment may occur:

• in the event of a change in the interest rate applicable under the loan as a result of a change in what was declared by the borrower or in the event of discontinuing the use of any of the products and services as a condition taken into account when forming the initially agreed interest rate;
• in the event of a change in the SBIR in an amount where the amount of the monthly interest payable exceeds the agreed amount of the repayment installment according to the effective repayment plan;

- if the loan amount is BGN 150,000;

- 360 months repayment period;

- annual interest rate: 2.74% variable annual interest rate, formed on the basis of SBIR + allowance.

According to the specified parameters of the loan and assuming that the loan amount is fully utilized, the loan applicant receives the declared income on an account with the Bank, uses "My Choice Online" package program, has a credit card, active electronic banking and at least one utility payment registered in electronic banking and has signed "Peace of Mind with Fihealth" insurance, the loan applicant shall pay each month on the date of the month specified by them (payment due date):

• 360 equal monthly installments each with an approximate amount of BGN 614.77.
• The total amount owed by the borrower shall be BGN 238,885.16.
• APR on the loan is 3.51%.

The value of the APR includes costs for an annual credit card fee in the amount of BGN 45, negotiation fee in the amount of BGN 500, monthly fee for "My Choice Online" banking package in the amount of BGN 6.85, fee for opinion on current market assessment in the amount of BGN 15, mortgage cancellation fee in the amount of BGN 90, as well as annual premium under "Peace of Mind with FiHealth" insurance in the amount of 5.05‰.

Additional costs payable under the loan agreement, which are not known to the Bank and which are not included in the total costs of the loan:

• the relevant notary fees due for establishing a mortgage in favor of the Bank;
• the relevant notary and state fees due for renewal and cancellation of the collateral established in favor of the Bank;
• property appraisal costs;

• costs for insurance of the property subject to collateral for the duration of the loan agreement.

In case the borrower wishes to exercise their right to early repayment of part or all of their obligations under the loan agreement, the borrower should submit an express written request to the Bank, containing the amount of the early repayment amount and the date on which the borrower wishes to repay it.

A commission for early repayment in the amount of 1% of the early repayment amounts on the loan is due when the loan is repaid before the payment of 12 monthly repayment installments from its utilization. In case of repayment after this period, no commission for early repayment shall be charged.

In case of early partial repayment, one of the following options is allowed at the borrower's choice:

• reducing the amount of the repayment installment and maintaining the period for repaying the loan;
• reducing the period for repaying the loan and keeping the repayment installment on the loan;

• a combination of the two options mentioned above.

Payments that are due, but not made on time due to a lack of funds on the borrower's current account with the Bank, shall be considered overdue, and for the time of delay, the borrower shall pay compensation for delay (a penalty surcharge) on the amount of the overdue sum. The compensation for delay shall be in the amount of the statutory interest.

In the event that the borrower fails to fulfill any of their obligations under the loan agreement or the loan is declared to be due in full and ahead of schedule, the Bank shall have the right to be satisfied from all collaterals at the same time or from only one or several of them in the order provided by law, and according to the type of responsibility chosen by the borrower, specified in the loan agreement.

The borrower shall have a period of 14 (fourteen) days from the receipt of a draft loan agreement to decide on its conclusion.