Representative examples:

APR 2.37% for a loan of 250,000 BGN, for 360 months, variable annual interest rate 2.18% (RIR*+ 1.83% fixed margin), with the following fees included: fee for documentary analysis of the collateral - 250 BGN; fee for opening a current account for the "For Salary" package 0 BGN; for servicing the "For Salary" package 4.40 BGN per month; for valuation of real estate /for an apartment/ 300 BGN, for cancellation of a mortgage 60 BGN; with the annual insurance premium of real estate under Property Insurance included, calculated as a % of the fixed amount equal to the outstanding principal on the loan - total fixed premium due for the term of the loan - 5369.69 BGN; The APR does not include. notes. fees for establishment, renewal, change and cancellation of the mortgage and state fee for its registration, payable by the borrower and fees, deductions and other expenses related to insurance in the fund of "Pension Insurance Company UBB" EAD (UBB Pension Insurance)". Payment of 360 monthly installments, each of 946.72 BGN. Total debt amount 348 130.66 BGN.

APR 2.88% in case of a loan, equaling BGN 80 000 for a tenor of 360 months, variable annual interest rate of 2.70% (RIR*+ 2.35% fixed margin) including the following fees: fee of BGN 4.98 for opening a current account, property appraisal fee BGN 300 (per aparment), mortgage obliteration fee - BGN 60, current account maintenance fee - BGN 4.50 per month. APR does not include the notary fees for mortgage establishment, renewal, change or obliteration, nor the state fee for its registration, payable by the Borrower. Repayment in 360 installments, each equaling BGN 324.48; Total Amount Due BGN 118 797.10;

The interest rate has been calculated upon UBB’s RIR of 0.35%. RIR is being amended, based on a Methodology, available on UBB's website.