Interest rate:

• BIR* of Emporiki Bank Bulgaria EAD for EUR + 3.25 % p.a.(8.75% for May 2012) for loans with duration up to 10 years

• BIR* of Emporiki Bank Bulgaria EAD for EUR + 3.45 % p.a.(8.95% for May 2012) for loans with duration up to 10 years

Additional discounts from the interest rate in case the customer uses other Bank products!

Fees and commissions:

• Application fee: EUR 40

• Front-end fee: 1.5%

• Annual management fee: 0.4%

• Other fees and commissions – as per the Bank’s Tariff

* BIR (base interest rate) is a value that reflects the expenses of the Bank for the attracted funds. The BIR of Emporiki Bank is reviewed at the end of each month and the Bank has the right to unilaterally change it if any amendments in the economic context and/or financial markets in the country and/or abroad occur. The change comes in force as of the first working day of the next month.