Dear clients,

We inform you that in connection with the legal merger of KBC Bank Bulgaria EAD into United Bulgarian Bank AD, there will be changes in the following documents:

• General Terms and Conditions conditions applicable to contracts with clients for the provision of investment and/or additional services related to financial instruments (General Terms and Conditions)
• Tariff for private individuals and legal entities, applicable to contracts with customers for the provision of investment and/or additional services related to financial instruments (Tariff)
• Policy for execution of client orders for transactions with financial instruments (Execution Policy)
• Order Handling Policy under Art. 68, paragraph 1c of Delegated Regulation (EU) 2017/565 of the European Commission (Order Handling Policy)

The united bank will implement the amended documents after fulfilling the regulatory requirements for their entry into force.

The General Terms and Conditions applicable to the contracts with clients for the provided investment and/ or additional services were adopted on 07.03.2023. and will enter into force from the date of the legal merger of KBC Bank Bulgaria EAD with United Bulgarian Bank AD, but not earlier than 30.04.2023, as required by the law, the General Terms and C and Conditions to be published on the Bank's website for a period of not less than one month before their entry into force and in accordance with the conditions specified therein. Upon their entry into force, the General Terms and Conditions, applicable to the agreements with clients for provision of investment and/or additional services of United Bulgarian Bank AD and the General Terms and Conditions for Transactions in Financial Instruments, applicable to the concluded contracts with clients, of KBC Bank Bulgaria EAD will be cancelled.

The Tariff for individuals and legal entities, applicable to contracts with clients for the provision of investment and/or additional services related to financial instruments, was adopted on 07.02.2023 and comes into force from the date of the merger of "K BC Bank Bulgaria" EAD in "United Bulgarian Bank" AD, but no sooner than 01.05.2023. As of this date, this Tariff completely cancels Section VII and Section VIII of the Tariff for Fees and Commissions for Individuals of "United Bulgarian Bank" AD and Section XI, Section XII and Section XIII of the Tariff of Fees and Commissions for Business Clients of United Bulgarian Bank AD. As of this date, the current Тariff cancels completely the tariff of the fees and commissions of KBC Bank Bulgaria EAD for deals and operations with financial instruments for individual clients and legal entities.

The Execution Policy and the Order Processing Policy were adopted on the 07.03.2023. and will be applied by the Bank from the date of the legal merger of KBC Bank Bulgaria EAD with United Bulgarian Bank AD with the consent of the clients.

You can familiarize yourself with the amended General Terms and Conditions, the Tariff, the Execution Policy, and the Order Handling Policy at any office of KBC Bank Bulgaria EAD, as well as on the bank's website https://www.kbcbank.bg/.