Dear clients,

We would herewith like to inform you that with effect from 15.11.2014. Raiffeisenbank (Bulgaria) EAD changes the amount of credit interest on standard current accounts BGN, EUR, USD and GBP and credit interest on the accounts servicing debit cards in BGN , EUR and USD individuals. The new interest rate is 0.01%.

As of 15.11.2014 Raiffeisenbank (Bulgaria) EAD changes the interest rates on an annual basis in Saving account "No Limitations" in BGN and EUR as follows:

As of 15.11.2014 Raiffeisenbank (Bulgaria) EAD changes the interest rates on an annual basis in Saving account "Premium" as follows:

Current bank customers using products current account in BGN, EUR, USD and GBP; account servicing debit card in BGN, EUR and USD; Saving account "No Limitations" in BGN and EUR, savings account "Premium" have the right to inform Raiffeisenbank (Bulgaria) EAD before 15.11.2014 that they do not agree with these changes in credit interest and to close their accounts without due to costs or compensation in connection with the closing.

For more information about the changes and our special offers please visit the bank site www.rbb.bg, or contact the staff in the offices of Raiffeisenbank and Raiffeisen Direct telephone numbers:

• 0700 10 000 (BTK) at the price of a city call
• 17 21 (M-Tel and Globul) with no increase of the fee  

Confirming our willingness to develop our mutually beneficial cooperation, we remain

Sincerely yours,

Raiffeisenbank (Bulgaria) EAD