UniCredit Bulbank AD informs its borrowers – individuals and micro and small enterprises, as follows:

With decision of the Management Board of UniCredit Bulbank АD (former name Bulbank AD) and in accordance with the provisions of the loan agreements and the conditions for the loans applied in the loan agreements, as of 15.06.2009:

1. For existing loans of individuals in BGN, EUR, USD and CHF, including for loans provided by the former HVB Bank Biochim AD and Hebros Commercial Bank AD, terminated without liquidation due to their merger with UniCredit Bulbank AD, the effective interest rate is increased by 1 (one) percentage point.

The change is caused by the increasing by 1 (one) percentage point of the base interest rate (the variable component of the interest rate accrued on the loan), in accordance with the terms and conditions of the concluded loan agreement, Section II. Terms and conditions for utilization, service of the loan and fulfillment of the obligations of UniCredit Bulbank AD, Section II – Terms and Conditions under the Agreement and Section ІІІ of the General Terms and Conditions under which UniCredit Bulbank AD provides loans to individuals/ The General Business Terms and Conditions of HVB Bank Biohim AD/ The General Business Terms and Conditions of Hebros Bank AD.

2. For existing loans of micro and small enterprises, in BGN and EUR, including for loans provided by the former HVB Bank Biochim AD and Hebros Commercial Bank AD, terminated without liquidation due to their merger with UniCredit Bulbank AD, the effective interest rate is increased by 1.5 (one, point, five) percentage points.

The change is caused by the increasing by 1.5 (one, point, five) percentage points of the base interest rate (the variable component of the interest rate accrued on the loan), in accordance with the terms and conditions of the concluded loan agreement, Section II. Terms and conditions for utilization, service of the loan and fulfillment of the obligations of UniCredit Bulbank AD/ The General Business Terms and Conditions of Hebros Bank AD/ The General Business Terms and Conditions of HVB Bank Biohim AD / Section II. Terms and Conditions for utilization, service of the loan and fulfillment of the obligations of UniCredit Bulbank AD.

We kindly ask the borrower to provide sufficient funds on their current account in order to ensure the payments under the loan and avoid overdues, those who repay their loan with cash transfers by the employer must inform the employer about the new amount of the monthly installment for the loan.

As regards the loans provided by HVB Bank Biochim AD and Hebros Commercial Bank AD terminated without liquidation due to merger into UniCredit Bulbank AD and repaid in equal monthly installments, the amount of the installment is recalculated as per the General Budiness Conditions once per year in January.

If you have any questions or need additional information, please contact your relationship manager in the branch of the Bank.