Upcoming changes

in Tariff and General Terms and Conditions

Changes in the Bulletin of Interest Rates

Dear Customers,

We would like to inform you that in order to facilitate the use of the Bulletin of Interest Rates changes have been made in the presentation of the products offered by the Bank, without changes in the interest rates.

Changes in the Bulletin of Interest Rates

Dear customers,

We hereby inform you that by decision of the Managing Board of Fibank, as of 01.11.2024 the value of BIRcc has been changed, reflected in the Bulletin of Interest Rates, applied by First Investment Bank on bank accounts in local and foreign currency.

Changes in the Bulletin of Interest Rates and Deposit terms and conditions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank a new term deposit ”Opportunity” for Indiviuals with increasing Interest rate has been approved. Тhe „Deposit terms and conditions” - Appendix to the General Terms and Conditions for opening and maintenance of bank accounts and provision of payment services and the Interest Rates Bulletin have been supplemented, as of 18.10.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We would like to inform you that by a decision of the Managing Board of Fibank, changes in the Tariff of fees and commissions, Chapter Two – for Business clients, effective from 22.10.2024, have been adopted, which you may review.

Changes in the Bulletin of Interest Rates

Dear customers,

We hereby inform you that by decision of the Managing Board of Fibank, as of 01.10.2024 the value of BIRcc in EUR has been reduced, reflected in the Bulletin of Interest Rates, applied by First Investment Bank on bank accounts in local and foreign currency.

Changes in the Bulletin of Interest Rates and Deposit terms and conditions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank a new 12 month term for Deposit “Tradition” for Individuals has been approved. In this context the „Deposit terms and conditions” - Appendix to the General Terms and Conditions for opening and maintenance of bank accounts and provision of payment services and the Interest Rates Bulletin have been supplemented, as of 12.09.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of First Investment Bank AD, as of 05/11/2024 the issuing of VPay debit cards and International Mastercard and VISA credit cards with a non-reducible balance for Individuals, shall be suspended. Changes in the Tariff of fees and commissions, Chapter One – for Individulas as of 05/11/2024 and in Chapter Two – for Business clients, as of 16/09/2024 have also been approved, which we kindly ask you to familiarize yourselves with.

Changes in General Terms and Conditions of First Investment Bank AD (Fibank)

We inform you that in connection with the termination of the "YES" loyalty program, the relevant texts relating to it are no longer available in: 1) General terms and conditions of First investment bank AD for issuance and use of revolving international credit cards Mastercard and VISA, 2) The General terms and conditions of "First Investment Bank" AD for issuance and use of international Mastercard and VISA credit cards with a non-reducible balance or guarantee deposit, as well as in 3) General terms and conditions for opening and maintenance of bank accounts and provision of payment services . In the general terms and conditions for credit cards under items 1) and 2) above, clarifications have been made regarding the termination of the contract in the event of the Account Holder's death or placement under prohibition (section XIX), as well as deleted text (art. 23.1.) in connection with legal changes concerning the introduction of the euro.

The changes in the General Terms and Conditions under items 1) - 3) above have been adopted by the Board of Directors of Fibank and will come into force as of 28.10.2024.

Changes in the Bulletin of Interest Rates

Dear customers,

We hereby inform you that by decision of the Managing Board of Fibank, as of 01.09.2024 the value of BIRcc in BGN has been reduced, reflected in the Bulletin of Interest Rates, applied by First Investment Bank on bank accounts in local and foreign currency.

Changes in the Bulletin of Interest Rates and Deposit terms and conditions of First Investment Bank

Dear clients,

We hereby inform you that as of 02.08.2024 by decision of the Managing Board of Fibank AD, the name of the deposit product "Yes Deposit" will be changed to "Express" deposit. The conditions and parameters of the deposit remain unchanged. In connection with abovementioned, the Bulletin of Interest Rates and the "Deposit Terms and Conditions" - an appendix to the General Terms and Conditions of First Investment Bank AD for opening and maintenance of bank accounts and provision of payment services have been updated.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of First Investment Bank AD, the providing and maintenance of the "Telephone banking" service, which allows voice reproduction of information on balances and operations on bank accounts maintained at First Investment Bank AD, shall be suspended, as of 01.10.2024

In this regard:

  1. In the Tariff of fees and commissions, Chapter One - for Individuals and Chapter Two - for Business clients, Section IX, respectively Section XII. Remote banking:

- Letter B. "Telephone banking" - is suspended;

- Letter C. Other fees and commissions from the same section – becomes Letter B.

  1. The "General terms and conditions for telephone banking of First Investment Bank AD" cease to be effective as of the same date.

Changes in the Tariff of fees and commissions of First Investment Bank

Penalty interest rates under Section Two “Debit Interest Rates Applied on Loans and Overdrafts (Interests on Debit Balance) of Interest Rates (Effective from 01/07/2024)

Please be informed that in compliance with Decree № 426 from 18/12/2014 of the Council of Ministers for determining the legal interest on overdue monetary obligations, as of 01/07/2024 the legal interest on overdue monetary obligations regardless of the currency, is 13.63%. The change will be reflected in the Interest Rates Bulletin.

Changes in the Bulletin of Interest Rates and Deposit terms and conditions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank a new term deposit –”Yes Deposit” has been approved. Тhe Deposit terms and conditions- Appendix to the General Terms and Conditions for opening and maintenance of bank accounts and provision of payment services and the Interest Rates Bulletin have been supplemented, as of 27.06.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank a new term deposit for 24 months – Deposit “Tradition” has been approved. Тhe Deposit terms and conditions- Appendix to the General Terms and Conditions for opening and maintenance of bank accounts and provision of payment services and the Interest Rates Bulletin have been supplemented, as of 12.06.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank supplements to the Tariff of fees and commissions, Chapter Two - for business clients and Appendix “Packages for Business clients have been approved in relation to the offering of new Packages for Business clients – “Fibank POS” and “Fibank POS plus”, which you may review.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank, changes have been adopted in the Tariff of fees and commissions, Chapter Two – for Business clients in force as of 08.05.2024, which you may review.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank, changes have been adopted in the Tariff of fees and commissions, which you may review.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank, changes have been adopted in the Tariff of fees and commissions, Chapter One – for Individuals and Appendices, which you may review.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank changes have been adopted in the Tariff of fees and commissions, Chapter One – for Individuals, Section VI. Lending, effective from 27.03.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank dated 22.02.2024, changes have been adopted in the conditions of "Super Loan" Consumer Loan, as the minimum amount of the loan has been reduced from BGN 30,000 to BGN 20,000. You may review the accepted changes in the Tariff of fees and commissions, Chapter One – for Individuals, Section VI. Lending, effective from 28.02.2024.

Changes in the Tariff of fees and commissions of First Investment Bank

Dear Customers,

We hereby inform you that by decision of the Managing Board of Fibank changes have been adopted in the Tariff of fees and commissions, Chapter One – for Individuals and Chapter Two – for Business clients as of 05.04.2024, respectively 05.02.2024 in connection with the “Electronic utility bills”, provided to customers with registration at Fibank’s office.