Dear clients,

We would herewith like to advise you that as of 01.08.2014 Raiffeisenbank (Bulgaria) EAD changes the annual interest rates of saving product Child Deposit as follows:

For existing customers with Child Deposit opened until 31.07.2014 including, the new interest rates shall enter into force from 01.10.2014. Until that change for rates (published in the Interest rates bulletin from 14.07.2014):

Current bank customers using the product Child Deposit with titular, a child prior 18 years of age, are entitled, in the period before 01.10.2014 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 Child Deposit without owing any costs or compensations related to the closure. We remind you that dealing with funds on deposit prior the titular reaches the age of maturity (18 years old) is done with the permission of the District Court.

For further information about the changes and our special offers please refer to the Bank’s web site www.rbb.bg or contact the employees at Raiffeisenbank's offices and on the phone numbers of Raiffeisen Direct:

• 0700 10 000 (BТC) – at the price of a city call
• 17 21 (М-TEL and Globul) – with no increase of the fee

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

Sincerely yours,

Raiffeisenbank (Bulgaria) EAD