Dear customers,

With the holidays around the corner, the desire for online shopping and the pleasure from it are growing. For greater safety and satisfaction, we would like to offer you some useful tips for Internet payments.

Please mind the following:

• The shopping website has to contain information about the merchant and contact details – address, phone number, e-mail, etc.;

• Before paying, read the general terms and conditions of the merchant – a way and price of delivery; an option for cancellation of the order; returning and/or replacement of a product;

• If the merchant is offering a promotion or a test period, check whether acceptance of the general terms and conditions entails subscription for a service, for which you will be later required to pay a fee at certain time intervals;

• Make your purchases only from secure Internet sites – there must be a little "padlock" or a "key" in the bottom right corner of the screen of your Internet browser, and the address of the website will change from "http" to "https";

• Check whether the merchant works with the card holder identification programmes Verified by Visa and MasterCard SecureCode;

• Shop safely with your bank card by subscribing it for free for the service "password for trustworthy payments on the Internet".

For further information: http://www.unicreditbulbank.bg/bg/Individual_Clients/Credit_Cards/Secure_Internet_Payments/Promo/index.htm

Tips to card holders:

• Do not give to third persons your card data, user names and passwords;

• Control the access to your computer, smartphone or tablet;

• Do not open and do not answer an e-mail message that wants you to provide card or personal data; consult the bank if you have any doubts about the authenticity of such a message;

• If there is a problem with an order placed by you via the Internet, we advise you to contact the merchant directly and to try to solve the situation with them; if this turns out impossible, UniCredit Bulbank is ready to assist you accordingly;

• Keep all documents related to an online purchase, as well as any correspondence with the merchant;

• In case of loss/theft of your card or if you have any doubts that the same is being used illegally by other persons, immediately inform the bank and order blocking of the card;

• Make sure that you have at hand the phone numbers of the Call Centre of UniCredit Bulbank, on which you will get assistance:

- 0700 1 84 84 or short number 1 84 84 for local mobile operators;

- +359 700 1 84 84 for calls from abroad;

- E-mail: CallCentrе@UniCreditGroup.bg;

- 24/7 assistance about bank cards and merchants: 02/ 933 7 212 and short number 15 212 for local mobile operators.

• In case of change of your phone number, address or e-mail for contact, please timely communicate this to UniCredit Bulbank. Your availability is of great importance for the protection of your finances.

UniCredit Bulbank wishes you happy holidays and enjoyable shopping time!

Further information for clients:

UniCredit Bulbank, Call Centre

Phone number: 0700 1 84 84

More information for media:

UniCredit Bulbank, Identity & Communications Department

Ekaterina Ancheva, Phone: + 359 2 9264 963, flbufsjob/bodifwbAvojdsfejuhspvq/ch

Magdalena Ivanova, Phone: + 359 2 9232 528, nbhebmfob/jwbopwbAvojdsfejuhspvq/ch