Price List for Legal Entities of ProCredit Bank (Bulgaria) EAD

ACCOUNTS 3

TRANSFERS 4

CARDS 5

DOCUMENTARY OPERATIONS 7

LOANS 8

CASH OPERATIONS 11

OTHER FEES 12

GENERAL PROVISIONS 13

NOTES 14

CONTENTS

01.03.2018

ACCOUNTS

Current account1

Minimum balance BGN 250

Monthly maintenance fee, which includes: • Visa debit card • FlexSave account • Internet banking

BGN 25

FlexSave account2

Minimum balance not required

Interest rates according to the Interest Bulletin

Deposit account3

Minimum balance 10,000 currency units


Other

Monthly maintenance of a current account under distrainment • in the case of received provisional order

BGN 150

BGN 250

Opening of a specialised account under an EU programme BGN 100

Opening of an escrow account: • in case of a transaction of up to EUR 250,000 • in case of a transaction of over EUR 250,000

BGN 250upon agreement (min BGN 1,000)

01.03.2018

ACCOUNTS GENERAL PROVISIONS

TRANSFERS CARDS CASH OPERATIONS

OTHER FEES

NOTESLOANSDOCUMENTARY OPERATIONS

Each client must obligatorily maintain with the Bank a current account with Internet banking registration.

3

http://www.procreditbank.bg/en/interest-bulletin/page/420

http://www.procreditbank.bg/en/interest-bulletin/page/420

TRANSFERS

Transfers issued in BGN4

Internet banking on paper

Between customers of the bank free of charge

BGN 50

To other banks (depending on the number of transfers made during a previous month): • up to 19 transfers • from 20 to 49 transfers • over 50 transfers

BGN 0.75BGN 0.50BGN 0.40

Express (RINGS)5 BGN 20

Transfers for utility payments (electricity, phone services, etc.) BGN 0.5

Change/cancellation of a transfer BGN 5

Transfers issued in foreign currency4,6

Internet banking on paper

Between customers of the bank free of charge

not accepted

Transfers within the European Community (SEPA) EUR 5

Ordinary transfer (EUR outside of the European Community and other currencies) EUR 10

Express transfer EUR 25

Transfer with OUR expenses – extra fee7: • EUR in Germany • EUR outside Germany • USD, GBP, CHF

free of chargeEUR 10EUR 20

ProPay8 EUR 2.5

Other operations related to international transfers9 EUR 20 + expenses of the correspondent bank

Transfers received in BGN and in foreign currency free of charge

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OTHER FEES


4

CARDS10

FeesDebit card

Visa BusinessElectron

Credit cardVisa Business

Classic

Monthly maintenance fee -BGN 4

Monthly maintenance fee for an extra card BGN 4

Withdrawal at ATM

• of ProCredit Bank • of another bank in Bulgaria • abroad

according to Cash operations

BGN 1 per transaction

BGN 5 + 1%

BGN 10 + 3%

POS payment in Bulgaria and abroad free of charge

Withdrawal from POS of another bank in Bulgaria and abroad BGN 10 + 3%

Delivery of a card or a PIN code at an address in Bulgaria/change of address: • ordinary (7 working days) • express (3 working days)

BGN 4 BGN 14

Balance statement request at ATM BGN 1

Incoming amount on cards (credit refund) 1%

Ungrounded claim BGN 40

Other services11 BGN 10

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OTHER FEES


5

LimitsDebit card

Visa Business Electron


Classic

24-hour limitsWithdrawal at ATM BGN 3 000 BGN 2 000

Payment at POS BGN 4 000 BGN 10 000

Total limit (ATM and POS) BGN 6 000 BGN 10 000

Number of transactions (ATM and POS) 20 40

7-day limitWithdrawal at ATM BGN 10 000 BGN 12 000

Payment at POS BGN 12 000 BGN 20 000

Total limit (ATM and POS) BGN 12 000 BGN 20 000

Number of transactions (ATM and POS) 50 100

CARDS10

Interest ratesDebit card

Visa Business Electron


Classic


Interest for arrears12 -10 percentage points

above the agreedinterest

Interest period - 1 month

Change of credit limit13 -0.25%

(min 10 currency units)

POS terminals POS Virtual POS

Initial installation - BGN 30

Monthly maintenance, depending on the monthly turnover: • less than BGN 3,000 • BGN 3,000 – BGN 6,000 • above BGN 6,000

BGN 50BGN 10

free of charge

BGN 50BGN 30BGN 30

Effecting of card transactions: • local cards 0.5% 0.5%

• international cards issued in Bulgaria

in case of a turnover of less than BGN 3,000 – 1%in case of a turnover of more than BGN 3,000 – 0.8%

0.8%

• international cards issued abroad

in case of a turnover of less than BGN 3,000 – 2%in case of a turnover of more than BGN 3,000 – 1.5%

1.5%

Replacement of model ( POS type) / Adding of a PIN pad BGN 60 -

Change of POS details BGN 6 per item -

POS closing BGN 30

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OTHER FEES


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OTHER FEES


DOCUMENTARY OPERATIONS14

Letters of credit15 GuaranteesIssuing

Opening/Payment16/ Change of amount17 0.20% (min BGN 50)

Other change BGN 50

Irregular documents BGN 100

Cancellation before expiry date BGN 100

Fee for claims - 0.10% (min BGN 100)

Deferred payment or acceptance18 0.15% (min BGN 20, max BGN 100)

-

Receipt

Pre-advising BGN 60

Advice without a commitment for the bank / of a change towards increasing the amount17 0.10% (min BGN 50, max BGN 300)

Change / Advice of another change BGN 100

Fee for claims - BGN 50

Verification and payment/transfer16 0.20% (min BGN 25, max BGN 250)

-

Other fees

Express processing within 24 hours19 BGN 50

Repeated verification of documents BGN 50 -

Issuing of assignment of proceeds0.15%

(min BGN 60, max BGN 300)-

Advice of assignment of proceeds BGN 60 -

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CollectionOutgoing and incoming documentary collections: • in exchange for payment and/or acceptance • without payment/sending a bill of exchange, etc.

0.20% (min EUR 20, max EUR 300)0.20% (min EUR 20, max EUR 100)

Change BGN 100

Аvalising bills of exchange upon agreement

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OTHER FEES


LOANS

Loan transactions21

Loan application processing22 0.1% (max BGN 3 000)

Administration of a framework loan agreement 0.25%

Disbursement fee 1%

Management fee 1% per annum

Commitment fee 1% per annum

Preparing documents for mortgage registration: • up to BGN 500,000 • above BGN 500,000

BGN 100BGN 250

Preparing documents for mortgage deletion: • up to BGN 500,000 • above BGN 500,000

BGN 50BGN 100

Preparing documents for establishing and registration of a special pledge BGN 100

Preparing documents for deregistration of a special pledge BGN 50

Technical analysis and valuation of RES projects upon agreement

Early loan repayment23 5% (min BGN 100)

Change in the terms and conditions24 0.25% (min 50 / max 500 currency units)

Loan restructuring0.5%

(max 500 currency units)

Monthly maintenance fee for administering of loan without active current account BGN 150

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Interest on loans disbursed according to the Interest Bulletin

Interest on unauthorised overdraft – on an annual base26 36%

Penalty interest on receivables for fees/commissions 36% on an annual base

Lease transactionsSending an invoice under a lease agreement on paper BGN 10 (VAT included) per invoice

Acquiring ownership title to a leasehold asset25 0.6% (VAT included)

Issuing of a power of attorney certified by a notary BGN 30 (VAT included)

LOANS

Insurance of collateral27

Real estate

• Buildings • Plant and equipment

0.202% (min BGN 30) 0.502% (min BGN 30)

Movable property Up to 10 years from the date of first registration

Over 10 years from the date of first registration

• Cars • Light freight trucks with loading capacity from 1 ton to 2.5 tons • Vans with up to 8+1 seats

3.060% 6.120%

• Freight trucks with loading capacity of more than 2.5 tons • Tractors, trailers and buses

1.224% 2.346%

• Agricultural machinery • Road construction machines and devices attached thereto

0.510% 1.224%

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OTHER FEES


Appraisal of collateralApartment BGN 180

House/Office/Merchant Location BGN 300

Manufacturing facility BGN 600

Land plot BGN 200

Agricultural land up to 50 land plots BGN 500

Agricultural land over 50 land plots BGN 1 000

Movable assets, up to 5 assets BGN 250

Movable assets, over 5 assets BGN 500

Movable assets, over 20 assets BGN 1 200

Administrative/Manufacturing/Commercial Facility BGN 1 200

Enterprise 0.15% of the net book value, max. BGN 5,000

Appraisal update • within 12 months from the initial appraisal and with change of object

• at every 36 months after the initial appraisal till the full

repayment of the loan

50% of the Tariff according to Appraisal of Collateral

according to Appraisal of Collateral

LOANS

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OTHER FEES


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OTHER FEES


CASH OPERATIONS

Cash deposit

At a cash desk not offered

In the 24/7 Self-Service Area28:

up to BGN 2,000 free of charge

above BGN 2,001 0.15% on the excess amount (min. BGN 3)

Deposits by third persons + BGN 10 per transaction

Deposit through collection upon agreement

Cash withdrawal

At a cash desk not offered

In the 24/7 Self-Service Area29:

up to BGN 2,000 BGN 2

above BGN 2,001 BGN 2 + 0.3% on the excess amount

Withdrawal through collection upon agreement

Other

Revision of a machine in the 24/7 Self-Service Area at customer request30 BGN 250

ProCredit Bank (Bulgaria) EAD makes an effort to encourage its customers to make non-cash payments through Internet banking and does not tolerate cash operations.

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OTHER FEES


OTHER FEES

SMS notifications of account balance, transfers received, authorisa-tion of transactions, utility payments

BGN 0.15

SMS notification of repayment instalment, overdue instalment on a loan or a credit card, renewed/non-renewed cards with expired validity, blocking of cards, general information from ProCredit Bank

free of charge

Repeated activation of a SMS service BGN 5

Deposit for the SMS notification services for:“authorisation of transactions” and “utility payments”

BGN 5

Written information at the request of a customer and issuing of transcripts and photocopies of documents

BGN 30

Issuing of certificate/reference/financial identification BGN 50

Issuing of certificate/reference according to text of a customer or at the request of a correspondent bank

BGN 200

Identification and verification of authenticity of SWIFT messages/SWIFT supplementary messages

EUR 10

Statement of account through ProBanking/E-mail free of charge

Reversal at the request of a customer or processing of distrainment BGN 10

Courier and postal services in Bulgaria and abroad actual costs

Information related to the annual closing of accounts BGN 200

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GENERAL PROVISIONS

1. This Tariff stipulates the standard fees and commissions due and payable by clients of ProCredit Bank (Bulgaria) EAD /the “Bank”/ upon execution of the respective operations. For all services and operations not included in the Tariff, the Bank shall apply fees and commissions upon agreement.

2. This Tariff applies for clients of ProCredit Bank (Bulgaria) EAD who are Bulgarian and foreign legal entities.

3. For each service and/or operation provided by the Bank, the Tariff effective on the day of execution of the service/operation shall apply. The fees and commissions set out in the Tariff in a foreign currency shall be collected in BGN, and the respective currency exchange fixing by the Bulgarian National Bank for the day of execution of the operation shall be applied.

4. All fees and commissions for services taxable under the Value Added Tax Act are fixed in the Tariff with the Value Added Tax (VAT) included.

5. The Bank shall only execute orders which are accurate in terms of contents and form and fully comply with the effective legislation. In case the funds in the client’s account are not sufficient for execution of an ordered transaction, the Bank is entitled to complete the operation and charge to the client an interest for unallowed overdraft, according to the General Terms and Conditions for payment services of ProCredit Bank (Bulgaria) EAD and the Tariff of the Bank.

6. The Bank shall be entitled to collect all due fees and commissions from the account of the ordering party, provided it is not indicated in the order to whose account they should be charged; or provided it is indicated that the said fees and commissions are chargeable to the beneficiary, but ProCredit Bank (Bulgaria) EAD fails to collect them.

7. The Bank has the right to close a client’s account at any time sending to the latter a written notification 1 month in advance.

8. The Bank’s Management Board is entitled to amend and supplement this Tariff by a resolution at all times. This Tariff shall enter into force from 01.03.2018.

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OTHER FEES


NOTES

ACCOUNTS1. Minimum number of transactions per month for a BGN current account – 3 transactions (This is not required for a spe-cialised account under an EU programme).

2. The FlexSave account shall be offered in BGN and EUR.

3. The deposit accounts shall be offered in BGN, EUR and USD.

TRANSFERS

5. The payments through RINGS shall be obligatory for transfers in an amount exceeding BGN 100,000 (inclusive).

6. The return of an incoming transfer in foreign currency at the recipient’s order shall be considered to be an outgoing transfer. The Bank reserves the right to collect the fees and commissions due to the correspondent banks.

7. Transfers in USD ordered with OUR expenses shall be executed by the correspondent bank without charging any fees but, because of the peculiarities of the banking practices on the territory of the USA, the beneficiary’s bank may collect its expenses from the transfer amount regardless of the instruction by the ordering party who is to cover all the expenses.

8. ProPay is a system of express currency payments between clients of ProCredit Bank. Countries with which ProPay trans-fers are executed: Albania, Bosnia and Herzegovina, Bulgaria, Germany, Georgia, Kosovo, Macedonia, Romania, Serbia, Ukraine and Moldova.

9. Other operations related to international transfers – change/cancellation of a transfer, tracing of an executed transfer, issuing of a transfer within 2 hours.

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OTHER FEES


4. Time intervals for accepting transfers Cut-off time

Transfer received on the same working day (BISERA) - on paper - through Internet banking

11:30 14:30

Express transfer (RINGS) 15:00

Ordinary transfer in foreign currency executed on the sameworking day - EUR, USD, GBP and CHF

17:00

Express transfer in foreign currency executed on the same working day - EUR and USD - GBP

17:0012:00

NOTES

CARDS10. Visa Business Electron and Visa Business Classic cards are offered in BGN and EUR.

11. Other services – generation of a new PIN, change of the details of the card holder, activation after blocking, re-issuing prior to expiration of the validity of the card, card not received through the client’s fault.Upon initiation of an arbitration procedure for disputed transactions, the actual expenses shall be charged.

12. Interest for arrears on a Visa Business Classic credit card shall be accrued on an annual basis on the amount of the principal that is in arrears.

13. Credit limit change fee shall be charged on the limit.

LETTERS OF CREDIT14. The letters of credit, guarantees and documentary collections shall be processed in accordance with the currently effective rules of the International Chamber of Commerce, Paris, for each specific type of instrument.

15. All commissions for letters of credit shall be due and payable as at the time of execution of the service/operation and shall not be subject to refund in case the letter of credit is not fully utilized or is cancelled before its validity date.

16. Fees for Opening and Payment/Fee for Transfer of Letters of Credit and Fee for the Issuing of a Guarantee shall be collected for each quarter or a part of a quarter.

17. Fees for Change in the Amount and Advice for Change towards Increasing the Amount shall be charged on the in-creased amount only.

18. Deferred Payment Fee or Acceptance of Letters of Credit Fee shall be collected for each month or a part of a month.

19. Express Processing of up to 24 hours Fee for letters of credit and guarantees shall be collected only where the bank has consented to provide an express service.

20. Appraisal of Collateral – other than cash collateral for amounts of over EUR 30,000 – according to Appraisal of Collat-eral.

LOANS21. Fees on loan transactions shall be charged as follows: • Loan application processing fee – on the loan amount • Administration of a framework loan agreement – on a one-time basis on the entire amount at the time of conclusion of the agreement • Disbursement fee – on a one-time basis on the amount disbursed • Management fee – for instalment loans – on an annual basis on the outstanding principal • Commitment fee – for credit facilities and overdrafts – on a monthly basis on the outstanding amount • Restructuring of a loan – on the amount due and payable

22. The loan application processing fee shall be deducted from the disbursement fee. Upon refusal by the client or by the bank, the loan application processing fee shall not be refundable.EcoMobility loan application processing – free of charge.

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OTHER FEES


NOTES

16

LOANS23. Early repayment fee shall be due and payable on loans without collateral or having a collateral other than a deposit: • for instalment loans – on the principal which is being repaid (not more than the amount of the interest remaining till the maturity of the loan). • for overdrafts/credit facilities/loans with extended time for utilization – on the authorised limit to be utilized.No early repayment fee shall be due or payable on loans secured by a deposit.

24. A Change of Terms and Conditions Fee shall be due and payable on the outstanding principal/authorised limit to be utilized.

25. Fee for acquisition of ownership title to a leasehold asset shall be charged on the net financing.

26. Interest on unauthorised overdraft shall be charged on the amount of principal overdue.

27. Fees for Insurance of Collateral shall be charged as follows: • Immovable property – annually on the loan amount due. • Movable property – annually on the insured amount.

CASH OPERATIONS28. Maximum amount of deposit in the 24/7 Self-Service Area – BGN 50,000.

29. Maximum amount of withdrawal in the 24/7 Self-Service Area – BGN 10,000.

30. The amounts of cash deposit or cash withdrawal specified in Items 28 and 29 constitute the daily limit for the account. If the free-of-charge daily deposit limit (BGN 2,000) is exceeded, the commissions due and payable shall be charged ex officio.

31. If an audit finds a technical error, the fee shall be refunded to the client’s account.

01.03.2018



OTHER FEES


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Price List for Legal Entities of ProCredit Bank (Bulgaria) EAD · SMS notifications of account...

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