GENERAL DEPOSIT TERMS

1. The Bank determines and communicates the conditions on which it accepts term deposits from its clients. These conditions may be updated by the Bank at any time, at its sole discretion, in accord with changes in the market conditions, and as provided in the deposit agreement.
2. The Bank accepts term deposits only after a deposit agreement provided by the Bank has been validly filled and signed. Every term deposit is opened, maintained, and terminated in accordance with the terms of the deposit agreement and the General Terms and Conditions of the Bank.
3. The interest on term deposits is calculated on actual/360 basis and is paid on the date mentioned in the deposit agreement.

4. Minimum term deposits amounts:

   • In BGN 2 000

   • In Euro 5 000

5. Guarantee: In line with art.57 of the Credit Institutions Act, the Bank informs the depositor of the applicable deposit guarantee scheme as follows: The deposits with BNP Paribas Personal Finance S.A., Bulgaria Branch, are guaranteed by the French Deposit Guarantee and Resolution Fund (Fonds de Garantie des Dépôts et de Résolution). Guaranteed are the cash deposits (credit balances on accounts) of one depositor in all branches of BNP Paribas Personal Finance in France and branches in states belonging to the European Economic Area to the total amount of EUR 100 000 (one hundred thousand), regardless of the currency in which the deposits (credit balances on accounts) are denominated. The Fund pays the guaranteed amounts within seven business days from the date on which the Prudential Supervision and Resolution Authority (Autorité de Contrôle Prudentiel et de Résolution) has requested compensation of the creditors. Detailed information for the applicable deposit guarantee scheme is published on the web-site of the Fund: www.garantiedesdepots.fr
   
   

STANDARD ANNUAL INTEREST RATES