Dear customers,

We would herewith like to advise you that as of 01.10.2013 Raiffeisenbank (Bulgaria) EAD changed the annual interest rates of current account „Raiffeisen Premium Gold” as follows:

Until that change for existing customers in force are following interest rates (published in the Interest rates bulletin as of 01.09.2013): For existing customers with Current Account „Raiffeisen Premium Gold” opened until 30.09.2013 including, the above mentioned new interest rates come into effect as of 01.01.2014.

Existing bank customers using the product Current Account „Raiffeisen Premium Gold” are entitled, in the period before 01.01.2014 to declare in writing form in Raiffeisenbank (Bulgaria) EAD office, that they do not agree with the change of interest rates and to close their „Raiffeisen Premium Gold” accounts without owing any costs or compensations related to the closure.

For further information about the changes and our special offers please refer to the Bank’s web site www.rbb.bg or contact your personal relationship manager.

Confirming our willingness to develop our mutually beneficial co-operation, we remain

Sincerely yours,

Raiffeisenbank (Bulgaria) EAD