NOTIFICATION

UniCredit Bulbank AD informs its borrowers – individuals, as follows:

With decision of the Management Board of UniCredit Bulbank AD (former name Bulbank AD) and in accordance with the provisions of the loan agreements and the applied thereto conditions of loans, as of 09.03.2009 the interest rate applied for these loans has been increased with 1 (one) percentage point.

The change covers all loans in EUR and Swiss francs, provided by the terminated without liquidation due to merger in UniCredit Bulbank АD, HVB Bank Biochim АD and CB Hebros AD, and the loans in euro, provided by UniCredit Bulbank AD (former name Bulbank AD).

We ask the borrowers to provide sufficient amounts on their current account for covering the payments under the loan in order to avoid overdues, and those whose loan is being repaid through cash transfer by the employer – to inform the said employer about the new amount of the monthly installment under the loan.

In terms of the loans provided from the terminated without liquidation due to merger in UniCredit Bulbank, HVB Bank Biochim AD and CB Hebros AD and paid in equal monthly (annuity) installments, the new amount of the installment is recalculated according to the General Business Terms and Conditions, once per year in January.

If you have any questions or need additional information, please contact your relationship manager at the bank branch.