We would like to inform you that, starting from 1. May 2009, UniCredit Bulbank sets new charges and commissionsforsome operations with debit and credit cards,issuedby the Bank.

We would like to remind you that you have the unique opportunity to use your debit card for drawing cash money absolutely free in the expanding network of more than 525 ATMs of UniCredit Bulbank in the country and more than 15 000 ATMs of UniCredit Group in 16 European countries.

1. For debit cards Maestro/Visa Electron/Visa Business Electron/V PAY

• Cash withdrawal fee at ATMs of other banks in Bulgaria - BGN 0.98

• Cash withdrawal abroad on ATMs of other banks outside UniCredit Group - EUR 3+1%

• Cash withdrawal on POS terminal at Bank's branch counters - BGN 3

• Cash withdrawal on POS terminal at other bank's branch counters in BG - BGN 4+1%

• Cash withdrawal on POS terminal abroad - EUR 3+1%

2. For debit cards Visa (Visa Classic и Visa Business) и МаsterCard (MasterCard Standard и МаsterCard Business

• Cash withdrawal abroad on ATMs of other banks outside UniCredit Group - EUR 3.5+2.5%

• Cash withdrawal on POS terminal at Bank's branch counters - EUR 3+1%

• Cash withdrawal on POS terminal at other bank's branch counters in BG - EUR 3+2%

• Cash withdrawal on POS terminal abroad - EUR 3.5+2.5%

3. For credit cards Visa Classic/MasterCard Standard, Visa Gold/MasterCard Gold, Visa Platinum/MasterCard Platinum, Visa Business/MasterCard Business, M-Tel Visa Classic, /Visa Gold

• Cash withdrawal fee at Bank's ATMs - EUR 1.5+1.5%

• Cash withdrawal fee at ATMs of other banks in Bulgaria - EUR 3+1%

• Cash withdrawal abroad on ATMs of other banks outside UniCredit Group - EUR 3.5+2.5%

• Cash withdrawal on POS terminal at Bank's branch counters - EUR 3+1%

• Cash withdrawal on POS terminal at other bank's branch counters in BG - EUR 3+2%

• Cash withdrawal on POS terminal abroad - EUR 3.5+2.5%

We would like to inform you that the transactions that will be accounted from the 1st of May on will be according the new rate.