DSK Bank was established in 1951 as the State Savings 
cash and savings, and the only people kreditiruyuschaya institution. 

In 1998 gobank was transformed into a universal remote control commercial bank 
Stock friendship - DSK Bank JSC. 
In October 2003, as a result of successful privatization, OTP Bank - Hungary 
became the owner of 100% capital of the Bank BSC. OTP Bank - the largest bank in 
Hungary and the first internationally recognized financial institution in Hungary. 

Banking group OTP - one of the largest and fastest growing 
banking groups in Central and Eastern Europe, brings together more than 
80 companies specializing in various areas of financial 
intermediation - banks, insurance companies, pension funds, 
companies, fund managers and real estate, leasing companies, 
factoring companies. 
OTP Banking Group serves more than 10 million customers in 
9 countries - Bulgaria, Hungary, Russia, Ukraine, Romania, 
Serbia, Slovakia, Croatia and Montenegro. 


DSK Bank in Bulgaria 
DSK Bank - the leader on the Bulgarian market of banking services to citizens 
DSK Bank has the widest network of branches in 
Bulgaria - 12% of the total number of bank branches in the country, 
more than 370 offices Tee 
DSK Bank has the largest customer base, most of which 
represent individuals - about 3 million customers, 1 / 3 of 
which makes extensive use of products and services offered by the bank 
DSK Bank offers the widest range of products and services for the population 
DSK Bank is working with the biggest network of partners and 
contractors 

DSK Bank offers specially its private customers OUT OF RUSSIA 
ONLY FUNCTIONAL PACKAGES OF PRODUCTS AND SERVICES ON THE CONTRIBUTION AND 
Manage your include: 
CURRENT ACCOUNT 
TERM DEPOSITS and demand deposits 
Will benefit the newest proposal DSK Bank: 
HOUSING LOANS FOR RUSSIAN CUSTOMERS TO PURCHASE REAL ESTATE IN BULGARIA 
(From 14 th June 2010) 


CURRENT ACCOUNT IN THE BANK BSC 
DSK Bank offers its customers: 
STANDARD current account in BGN, EUR, USD or 
CONTRIBUTION with differentiated interest rates in BGN and EUR, 
guarantee a higher return - up to 3.30% for deposits in BGN and 
up to 2.50% on euro deposits 
For your convenience, use the DSK Direct - the ability to control their 
means via the Internet and Call Center, and you can absolutely 
FREE from home or from your office: 
Monitor cash flow and movement of your accounts 
Transferirovat funds between your accounts 
Pay for public services in Bulgaria 
Receive interest income from funds that can be translated into 
contributions and / or term deposit 
Transfer funds in Bulgaria or abroad, using 
universal electronic signature. 
If necessary, doplnitelnoy information or assistance, 
please contact CALL CENTER-ohm DSK Bank on 
tel. + 359 700 10 375, 24-hours a day from anywhere in the world 


Demand deposits and TERM DEPOSITS BANK BSC 
If you have any spare cash 
If you wish to receive additional guaranteed income from 
percent 
If you want to invest your money for a certain period of time, 
still buy your property in Bulgaria, check out our 
proposals for investment and management 
Your money: 
Demand deposits in BGN, EUR, USD, CHF and GBP 
Opening demand deposit in the Bank BSC, you will be able to use their funds 
at any time and at any bank and at the same time receive an additional 
interest income, differentiated depending on the amount and deposit currency 
 Term deposit with the 1, 3, 6 and 12 months 
Open your fixed deposit at least 100 units of currency for 1 year in BGN, 
Euros or U.S. dollars and you will receive a guaranteed income from 
percent at the end of this period. 
Your income will depend on the amount, term and deposit currency, and may reach 5.75% 
in BGN 4.90% in euros and 2.85% in U.S. dollars (these percentages 
are valid for deposits for 12 months and for amounts over 
50 000 leva / 100,001 euros / 75,001 dollars). 


FURTHER SUGGESTIONS FOR THE PLACEMENT OF YOUR FUNDS FROM BANK BSC 
DSK Bank offers you and a rich range of additional opportunities for 
place your free tools: 
TERM DEPOSITS for more than 1 year (18, 24, 36 and 60 months) 
When you open a deposit for a period longer than 1 year and investing not less than 1000 
levov/500 evro/500 dollars you will receive a guaranteed interest, 
differentiated depending on the amount, currency, deposit and term 
 (Up to 7.25% for deposits in BGN 5.20% for deposits in euro and 4.00% for 
deposits in U.S. dollars by investing more than 15 000 leva 
7500 EUR / USD for 60 months) 
 6 - month time deposit named DSC PALETTE "in leva, euro and U.S. dollars when 
term deposits DSC palette for 6 months, every month on investment 
funds charged higher interest rates. The minimum amount to open this 
contribution - 2000 BGN / EUR / USD 


FURTHER SUGGESTIONS FOR THE PLACEMENT OF YOUR FUNDS FROM BANK BSC 
 IMMEDIATE DEPOSIT DSC SPECTRUM 
You can open the contribution of the DSC Spectrum in leva, euro and U.S. dollars 
minimum sum of $ 1,000 currency units for 9 -, 12 - and 15 months. 
The period of deposit is divided into 3,4 or 5 periods and depozirovanye funds are awarded 
higher interest rates for each subsequent period - up to 8,50%, on deposits in 
leva, 6.00% for deposits in euro and 3.50% for deposits dollar 
U.S. in the last period. 
TERM DEPOSITS BANK BSC: 
NO COMMISSION for opening deposit 
NO COMMISSION for maintenance deposit 
NO COMMISSION for the closure of deposit 
NO COMMISSION for withdrawals from the account expiry date of the deposit 
Investing in the amount of up to 100 000 BGN / EUR 50 000 Guaranteed 
Fund to guarantee deposits RBolgarii. 


Will benefit the newest proposal DSK Bank 
DSK Bank offers specially for you: 
if you are 21 years and will be no more than 65 years to the date of full 
repayment 
if you have Russian citizenship 
if you work in Russia under an employment contract 
if you can prove brutny annual income of less than 
20 000 euros for those working in Moscow and at least 10 000 euros 
for those working in other cities Rossiinashi exceptional 
proposals that together with the Bank BSC to implement 
purchase his property in Bulgaria 


GET HOUSING FOR CREDIT BANK BSC RUSSIAN CUSTOMERS 

When you need to finance the purchase of residential 
Property in Bulgaria - apartments, residential buildings, 
representing not more than 6 separate independent main objects, 
or houses and / or garage, fully completed and 
having Konstativny act to establish life reception 
Construction (sample number 15) 
When ownership of the property is transferred to the real 
market value 
When the amount of permitted loan transferred directly to the account 
real estate seller. 


USING THE HOUSING LOAN BANK BSC 
MAY USE ONLY Competitive conditions 
Up to 80% of real estate appraisal, determined by the Bank 
DSC, especially for customers who provide 
certificate from a credit bureau in Russia, certifying 
credit debt 
No limitation on the minimum and 
maksimalnogorazmera credit for adequacy 
proposed PC software and proven income. 
Choice of loan term of 5 to 25 years 
for customers, provide a certificate 
from a credit bureau in Russia 
10.79% for loans in euro 
12.29% for loans in BGN, 

Example: When using a housing loan in the amount of 
35000 evro/70 000 leva for a period of 25 years, with 10.79% in 
loans in euros and 12.29% for loans in BGN, 
razhodov annual interest on the loan, respectively 12.66% and 14.36% 

HOW YOU CAN USE THE PRODUCTS AND SERVICES BANK BSC: 
Visit the nearest office of the Bank BSC, and then there is its current account, term 
contribution or contribution in demand, or take advantage of DSK Direct. We always 
ready to help and guide you to the banking specialist, vladeyuschyumu Russian language! 
In your serviced offices you will be directed to the closest and most convenient to you branch 
DSK Bank, where you can get detailed information on housing loan for 
Russian citizens. If you need assistance in obtaining 
more information 
You can contact the Call Center by calling 0700 10 375 359 700 10 or 375, if 
You are calling from abroad 


DSK Bank offers the Wide range of banking products and services OUR 
Experts will offer you the most suitable solution to meet your 
The interests and needs, if necessary for additional information on 
predlaganym DSK Bank products and services, please contact: 


Thank you for your attention!