SPECIAL CREDIT TERMS FOR BUSINESSES AND PROFESSIONALS (Bank of Greece Governor’s Acts 2501/31-10- 02) The hereby terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014)

1. LENDING TO BUSINESSES AND PROFESSIONALS (INTEREST RATES) Explanations

- Minimum Lending Rate, for working capital, in euros 10.00% (1), (2) - Preferential Interest Rate of Short-term Lending, in euros 9.15% (1), (3) -Minimum Loan Rate, Mid- and Long-term, in euros 6.50% (1), (4) - Working Capital in exchange (N) (1) - Basic Factoring Rate 8.25% (1), (5) - Basic Margin Account Rate 7.90% (1), (6) (N) = Negotiable, based on the standing LIBOR of the currency and accrual until 5 percentage points. (1) The Short-term Lending and Loans to Businesses and Prodessionals are calculated and are payable every three months, except if else defined in the agreement. Calculation time basis of interest, a 360-day year. Default interest (after default) at 2.50%. Credit beneficiaries are charged with Contribution L.128/75 which is payable to the Bank of Greece (today at 0.60%). The interest start date is set as the day of receiving the loan.The interest end date, in case of cash payment, for joint credit accounts, is the next working day, whereas for the instalments of fully or partially amortized loans, is the payment date. Base rates are subject to periodical revision according to the market conditions and are valid from their publication to the Press. For accounts connected to an open joint account agreement, a quarterly account statement is issued. (2) The MLR is accrued until 5.00 percentage points. (3) The PRSL is accrued until 5.00 percentage points. (4) MLR is accrued until 4.00 percentage points. (5) Β.F.R. is accrued until 5.00 percentage points. (6) Β.M.A.R. is accrued from 2.15 to 4.15 percentage points

Commission, Minimum 2. LENDING TO BUSINESSES AND PROFESSIONALS (EXPENSES, COMMISSIONS) Expenses euros Mid-Long term loan request evaluation fees 2ο/οο on the size of the loan, with a minimum of 300 and a maximum of 1,000 euros (1) Long term loan request evaluation fees 2ο/οο on the loan, with a minimum of 300 and a maximum of 1,000 euros (1)

Mid-long term loan approval fees (compensated with the expected evaluation expenses, under the premise that the loan is approved) up until 2% of the size of the approved loan with a minimum amount of 500 EUROS and a maximum amount of 5,000 EUROS, on the date of its initial approval (1)

Long- term loan approval fees(compensated with the expected evaluation fees, under the premise that the loan is approved) up until 2% of the size of the approved loan on the date of its initial approval (1)

Approved Limits Modification Expenses or Single Request Approval (2)

- up to € 30,000.00 fixed cost € 220

- from € 30,000.01 to € 60,000,00 fixed cost € 260

- from € 60.000.01 to € 130,000.00 fixed cost € 360

- from € 130,000.01 to € 220,000.00 fixed cost € 420

- from € 220,000.01 to € 400,000.00 fixed cost € 550

- from € 400,000.01 to € 600,000.00 fixed cost € 700

- from € 600,000.01 and over fixed cost € 800

Information expenses on bills of exchange and cheques, based on the docket 0.5% with a minimum € 21

Post-dated cheques pledging fees 1% with a minimum of € 6 per cheque

Fees of approval procedure, loan renewal/extension of loans in exchange or loans with interbank interest rate, fixed cost 90€

Annual credit limit approval fees for working capital or/and letters of indemnity, based on the loan amount (3): Single 2.00% on the approved limit or 1.00% on the approved limit bi-annually and on the dates of initial limit approval and renewal. Minimum cost of fees: 350 euros.

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Title search and prenotation/mortgage registration fees(4), (5) 0.4% with a minimum of €311

Real Estate Due Diligence Check and Registration of Charge Certificate fees(4), (5) fixed cost €18

Prenotation lifting or reduction fees: 55€ plus attorney appearance fees 134€ (6)

Debt settlement 1%, with a minimum of 90€ and a maximum of 600€

Real Estate Appraisal, 0,5ο/οο with a min 90€ and max 180€ for land or horizontal property, 0,7ο/οο with a min 120€ and a max 200€ for an independent and separated property, based on commercial value. Certification of working progress 0,3 ο/οο with a min €70 and a max of €120.

BOND LOAN ISSUING COMMISSIONS WITH ATTICA BANK AS BOND LENDER

0,3% - 0,5% on Minimum Organization Commission (7) the loan sum €5.000 0.1% on the mnimum Administration Commission (8) loan sum €3.000 0.05% on the Security Custody Commission (9) loan sum 0.1% on the capital of the as in force Idleness Commission (10) unissued bonds

Loan Administration cost of “Fund for Entrepreneurship - Enterprise Restart” - In case of disbursement of enterpreneurial development loans jointly with the Fund for Enterpreneurship, which is managed by the Hellenic Fund for Entrepreneurship and Development (ETEAN SA) (special purpose working capitals and investment purpose loans) in very small, small and medium enterprises “Fund for Entrepreneurship - Enterprise Restart”.

Administration cost per Loan Agreement

- Attica Enterprise Restart Loan 0.5 % on the initial sum of the loan ONCE, with a min 190€ and a max 2,000€

0,5 % on the initial sum of the - Attica Enterprise Development Loan loan ONCE, with a min 100€ and a max 1,500€

(1) Fees regarding the analysis of a company’s financial situation, the evaluation of the investment plan or generally of its long-term needs, the analysis of the competition conditions and the sector’s prospects. (2) Fees for examining the purposefulness of modifying the already approved terms and limits or examining costs of the credit need for a single credit approval. (3) Fees regarding the analysis of the financial situation of the company, the investigation of credit need, the analysis of competition conditions and the sector’s prospects. Limit approval duration: 6 months. The above sums are maximum and obligatory for all credit beneficiaries, except blocked accounts. (4) No mortgage registry expenses are included. The title search charge is effected per immobile property. A search within the bank branch city is charged with the real transportation and potential accommodation expenses. No mortgage registry fees are included (0.75% on the prenotation amount plus almost 100€ for stamping the request and issuing the certificates and the summary copy), as well as stamping fees for the legal documents, which burden the credit beneficiary. It should also be noted that the prenotation registration fees in the operating Cadastres come to 0.82% on the prenotation sum. (5) Those fees are not valid for non-interest charged accounts and blocked credit beneficiaries.

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(6) There is an exception for cases of different charge based on decisions of local Legal Associations. In case the minimum fees for a legal appearance are readjusted by decision of the Legal Association in question, the valid fee will be the one based on the said decision. (7) It is paid as a lump sum on signing the Bond Loan. (8) It is paid on the date of issuing the loan and henceforth on every annual anniversary until the maturity of the loan. (9) It is collected on the date of issuing the bonds and henceforth on every annual anniversary until the maturity of the loan. (10) It is not valid in case the total of bonds are issued within a period of 3 months from the date of signing the contractual documents. After the end of this period and until the end of the period of the loan’s availability, the specific commission on the capital of the unissued bonds is valid. Note: For administration and assessment fees, premiums, etc. LEASING & FACTORING, you are kindly requested to address the competent operators of the branches.

3. LETTERS OF GUARANTEE Commissions, Minimum fees Euros Participation in tenders/bids 0.50% 45 Participation in tenders/bids in exchange 0.75% 75 Successful execution of contracts 0.75% 60 Proper execution of contacts in exchange 1% 90 Advance payment, Proper payment of merchandise etc. 1.25% 75 Advance payment, Proper payment of merchandise etc. in exchange 1.25% 100 Temporary settlement towards agencies, Customs and the Bank of Greece 0.25% 45 Duties, replacement of tenths 0.75% 45 Commission on modifying the letter of guarantee (increase/reduction of sum, duration Fixed cost € 30 change etc.) in euros and exchange (plus SWIFT, etc)

Letters of Guarantee to client-members of TEE (Technical Chamber of Greece), TSMEDE (Engineers' and Public Conbtractors' Pension Fund) with a degree up until C Class Α. Participation

Amount € 0 – 30,000 0.10% 10 30,001 – 60,000 0.09% 60,001 – 100,000 0.08% 100,001 – 150,000 0.07% Β. Proper Execution Amount € 0 – 50,000 0.45% 20 50,001 – 100,000 0.40% C. Advance Payment Amount € 0 – 50,000 0.70% 30 50,001 – 100,000 0.60% 100,001 – 150,000 0.50%

Note: The commissions for letters of guarantee are collected per undivided quarter

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SPECIAL TERMS OF CONSUMER AND HOME CREDIT (Bank of Greece Governor’s Acts 2501/31-10-02) he hereby terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014) 1Α. CONSUMER CREDIT, INTEREST RATES Explanations - Cοnsumer Credit Base Rate, in euros 8.25% (1) (3) (6) - Minimum Interest of Granting Consumer Credit through Partnerships 6.00% - Fully Amortized Loan of Members and Workers in ETAA (Unified Insurance Fund of the Independently Employed) with a Floating Interest in euros 8.00% - OPEN LOAN OF MEMBERS AND WORKERS OF ETAA 9.75% (2) (3) - ATTICA 4 SEASONS 10.40% (2) (3)

-Attica XL 2011 Monthly Euribor plus margin from 5.00% until 9.00% (1) (3) (5)

- Attica Special Credit For an amount until € 50,000 monthly Euribor + 3.50% (1) (3) (5) For an amount over € 50,000 monthly Euribor + 3.15% - Attica Cover 8.25% (3) - Attica Interest 10.00% (1) (3) - Attica Fully Amortized Load to Support New Engineers (1549, 1550) 7.00% (1) (3) - Overdraft from Current Accounts (OVERDRAFT) 11.50% (1) (3) - ATTICA CARD VISA, ATTICA CARD ELECTRON VISA (2) (3)

FOR PURCHASES 16.65% FOR CASH WITHDRAWAL - CASH ADVANCE (only for the withdrawal sum) 18.15%

- VISA TECHNOCARD for Ε.Τ.Α.Α members (Unified Insurance Fund of the Independently (2) (3) Employed) (CLASSIC, GOLD) FOR PURCHASES 9.50% FOR CASH WITHDRAWAL - CASH ADVANCE (only for the withdrawal sum) 11.00% FOR TSMEDE/TCG (Technical Chamber of Greece) CONTRIBUTIONS 7.50%*

* The above interest rate applies in case of partial repayment of the total debt. In case of full repayment, interest charge is zero.

- SPECIAL CREDIT CARD FOR REPAYMENT OF TSMEDE/TEE CONTRIBUTIONS FOR PURCHASES 9.50%

FOR CASH WITHDRAWAL - CASH ADVANCE (only for the withdrawal sum) NOT PROVIDED

FOR TSMEDE/TEE CONTRIBUTIONS 7.50%

* The above interest rate applies in case of partial repayment of the total debt. In case of full repayment, interest charge is zero.

- ATTICA CARD VISA for employees of Ε.Τ.Α.Α. (CLASSIC) (2) (3) FOR PURCHASES 10.50%

FOR CASH WITHDRAWAL - CASH ADVANCE (only for the withdrawal sum) 12.00%

- MD VISA and LEX VISA for members of Ε.Τ.Α.Α (CLASSIC, GOLD) (2) (3) FOR PURCHASES 10.50% FOR CASH WITHDRAWAL - CASH ADVANCE (only for the withdrawal sum) 12.00%

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1Β. HOME CREDIT, INTEREST RATES Explanations Housing loans, floating, in euros 6.00% (1) (3) (4) (5) House loan base rate HLBR Fixed Interest Rates After the validity period of the fixed rate, the one valid is - For 1 year, from 5.80%(*) the Bank’s housing loan floating interest rate in force - For 3 years from 6.00%(*) (HLBR), today at 6.00% or floating interest rate connected with monthly Euribor rate + Spread from 4.00% until 6.00% Fixed Interest Rates for Business Premises in After the validity period of the fixed rate, the rate valid is euros (for private individuals) the Bank’s housing loan floating interest rate in force (HLBR), today at 6.00% + surcharge 1% or floating (1) (3) (4) interest rate connected with monthly Euribor rate + Spread from 4.00% until 5.00% + surcharge 1%. - For 1 year from 6.60% (*) - For 3 years from 6.80% (*)

Business Premises, floating, in euros 7.20% (1) (3) (4) (5) Fixed Interest Rates for Business Premises in The same fixed interest rates with business premises euros (for freelancers) loans for individual parties, but their floating interest rate after the end of the validity period of the fixed (1) (3) (4) interest rate is the Business Premises Floating Interest Rate in euros (today at 7.20%) Floating Interest rate based on the monthly EURIBOR

- Monthly duration EURIBOR Interest Rate + Spread from 4.00% until 6.00% (*) (1) (3) (4)

Floating interest rate based on the interest rate for main refinancing operations of the ECB (1) (3) (4)

-ECB interest rate + spread from 4.00% until 6.00% (*) “Attica Ecoenergy” (1) (3)

ECB Interest Rate + Spread 6.00%

(1) Home and consumer loan repayment shall be effected in equal monthly fully amortized instalments. During the granting of the loan, a table of fullyamortized instalments is provided. A quarterly “bank statement” is issued. The repayment of “Attica Ecoenergy” is effected in quarterly instalments. (2) The Free Open Loan and Credit Card interests shall be calculated using the average daily balance method on a monthly basis, in a 365-day year. A monthly “bank statement” is issued. (3) The time basis for calculating the home and consumer credit interest shall be a 365-day year. The credit beneficiaries are charged with L. 128/75 Contribution (today for individual house loans at 0.12% and for the rest at 0.60%). Default interest at 2.5% (beyond default). (4) For repair loans, loans with previous charges, for financing expenses arising from house loans, special categories of house credit loans, ETAA members and employees as well as for special offers, you are kindly advised to contact the competent branch personnel. (5) The Bank maychange the floating interest in case of change of data which determine its size, such as the main financing operations interest rate of the ECB, Euribor, and up to double the percentage change of one of the said data. (6) For interest rates, commissions and conditions regarding consumer credit special loans (e.g. holidayloans, vacation loans, Wedding Loans, TEE/TSMEDE members loans), card offers and special Home Credit Loans, you are advised to contact the competent services of branches. (*) The above 1- and 3-year fixed interest rates, as well as Spreads based on Euribor or the ECB shall be accrued up to 0.30% in case the loan size is greater than 70% of the real estate’s Commercial Value.

2. CONSUMER AND HOME CREDIT FEES AND COMMISSIONS Fees and Commissions

VISA CARDS

Annual ATTICA CARD Credit Card administration fees Classic Visa €32, Gold Visa €62 (discount €6 till 31.12.2014)

Annual ATTICA CARD ELECTRON VISA administration fees €30 (discount €6 till 31.12.2014)

For the above cards, the additional member card subscription, 50% of the said subscription

ATTICA CARD VISA for ETAA members and employees is Free

ATTICA GIFT CARD VISA Issuing expenses Reload Expenses - for an amount of € 30 - € 200 € 3 € 1 - for an amount of € 201 - € 500 € 5 € 2 - for an amount of € 501 - € 3,000 € 9 € 4 Cash Withdrawal expenses with credit card use from other banks’ counters, WITHOUT CHARGE*

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Cash Withdrawal expenses with credit card use from other banks’ ATMs, WITHOUT CHARGE*

Transactions withing Europe as well as beyond the Eurozone and transactions outside Europe: During the conversion of transactions from VISA to US Dollars, the official interbank price of the transaction country accrued by 2.50% is used.

Charge for cash withdrawal fees from the Bank’s ATMs or counter: WITHOUT CHARGE

*€ 2.75 + 0.33% within the Eurozone and other European countries and 1.75$ + 0.33% for transactions outside the Eurozone and other European Countries, which are paid to the Bank where the transaction took place and the Visa. ** € 1.00 within the Eurozone and $1.00 for transactions outside the Eurozone, per movement, which are paid to the Bank where the transaction took place and the Visa.

Expense charge for reprinting monthly notes of liquidation for credit cards or open loans (statements). upon the client’s request, with the amount of €0.1per page

Type of Voucher Amount of charge Transaction voucher copy: € 2 Expense Charge for searching disputed transaction Original transaction voucher: € 6 vouchers, upon the client’s request, as follows: T&E Transaction vouchers (Hotels, Car Rental, Airlines): € 25 No charge Expenses for foreign transactions through VISA per transaction (within the Eurozone)

ATTICA CARD VISA DEBIT

Cash withdrawal fees from the Bank’s ATM No charge Cash withdrawal expenses from others Banks’ ATMs within According to the interbank bilateral agreements Greece Cash withdrawal expenses from other Banks’ ATMs within €1.00/transaction the Eurozone Cash withdrawal expenses from other Banks’ ATMs outside $1.00 /transaction the Eurozone Transaction fees within Greece No charge Transaction fees within the Eurozone No charge Transaction fees outside the Eurozone During converting VISA transactions to US Dollars, please use the official interbank price of the transaction country accrued by 2.5%

COMMISSION FOR RETURN OF UNCOMMITTED BALANCE ATTICA GIFT CARD VISA

CASE a. RETURN OF UNCOMMITΤED BALANCE ATTICA GIFT CARD VISA RETURN SUM SIZE OF COMMISSION

Up to € 50.00 ZERO > € 50.00 € 2.00 / CALENDAR YEAR OF MATURITY + € 2.5 REQUEST PROCESSING FEES

CASE b. RETURN OF UNCOMMITΤED BALANCE ATTICA GIFT CARD VISA THROUGH NEW/RELOADED ACTIVE ATTICA GIFT CARD VISA RETURN SUM SIZE OF COMMISSION UP TO € 100.00 ZERO FROM € 101.00 – € € 1.00 200.00 FROM € 201.00 – € € 2.00 500.00 > € 501.00 € 4.00

Notes for ATTICA GIFT CARD VISA 1) The commission for return of uncommitted balance is paid only after the lapse of 20 years after the card’s expiry date and the commission size should not exceed the size of the uncommitted balance. 2) A discount in special occasions is provided and especially for mass disposal of a significant number of cards to the same client-company. 6

CONSUMER-HOME CREDIT

Consumer credit loan approval fees (1) - up to € 5,000 fixed € 90 With an Instant Credit process - from € 5,001 until € 10,000 fixed € 120 fixed cost € 110 - from € 10,001 until € 24,999 fixed € 150 fixed cost € 140 - frpm € 25,000 until € 49,999 fixed € 250 fixed cost € 170 - from € 50,000 until € 80,000 fixed € 500 - from € 80,001 and over fixed € 750

Consumer credit loan conversion fees

- Loans without special collaterals - fixed cost € 70 - Loans with collaterals -0.25% on the said debit balance (max sum € 500)

(1) € 60 “Open Loan” renewal annual fees, in euros “ATTICA SMART” Loan renewal annual fees fixed cost € 150 (1) (for limits up to € 60,000) fixed cost € 190 (for limits over € 60,000)

Attica Special Credit disbursement fees € 130 (1) “Attica Ecoenergy” administration fees Fixed Cost €150 50 € 50 (1) (2) House Loan pre-approval administration fees Fixed Cost €50 € 50 House loans administration fees

- until € 15,000 without property collateral Fixed Cost € 500

- until € 15,000 with property collateral Fixed Cost € 300 - from € 15,001 until € 45,000 Fixed Cost € 500 - from € 45,001 until € 90.000 Fixed Cost € 800 (1) - from € 90,001 until € 150,000 Fixed Cost € 1,000 - from 150,001 and over Fixed Cost € 1,500 House loan program conversion fees (1) Fixed Cost € 150

(2) Loan granting request examination fees € 20 Examination request fees for increase of credit limit of an open € 20 loan account

Title search fees Fixed Cost € 70 (5) (6) Fees for real estate search and registration of charges Fixed Cost €18 (5) (6) Fees for lawyer appearance for a prenotation registration Fixed Cost € 241 (3) (4) (5) (6) Registration fees for the Cadastre and issuing of an extract of the Cadastre Records min € 70, max € 100

Prenotation lifting or Limitation fees: € 55 + lawyer appearance fees €134 (3)

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Property valuations, 0.5ο/οο with min € 90 and max € 180 for land or horizontal property, 0.7ο/οο with min € 120 and max € 200 for a separate property, on its commercial value. Certification of progress of work 0,3 ο/οο with min € 70 and max € 120.

(1) The administration fees regard the search fees of the client’s creditworthiness, the check of adverse data on the TIRESIAS system as well as editing the internal recommendatory note. (2) In case the loan has been approved, the Bank shall collect the balance for the loan’s provided pre-approval fees whereas in case of rejection the amount shall not be refunded to the applicant. (3) There is an exception for cases of different charges based on resolution of the local Legal Associations. In case the minimum fees for legal appearance are re-adjusted by decision of the competent Legal Association, the said fee will be valid. (4) No Land Registry fees are included (0.75% on the prenotation amount plus almost €100 for the application’s stamping and the issuing of certificates and summary copy) as well the legal documents’ stamping fees, which burden the credit beneficiary. It should also be noted that the prenotation registration fees in the operating Cadastre Offices come to a percentage of 0.82% on the prenotation amount. (5) These fees shall not apply for non-interest charged accounts and blocked credit beneficiaries (6) The title search fee is effected per property. For search outside a city branch, beneficiaries are charged with the real travel and potential accommodation expenses.

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SPECIAL TERMS FOR DEPOSITS, DOMESTIC AND FOREIGN MOVEMENT OF CAPITAL (Bank of Greece Governor’s Acts 2501/31-10-02) The hereby terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014)

1. INTEREST RATES(1)

SAVINGS BANK (4)

Average Balance Scales Interest Net Annual (*) Explanations rate Yield From 0.01 – 5,000 € 0.10% 0.0862% (2),(3) From 5,000.01 – 10,000 € 0.15% 0.1293% (2),(3) From 10,000.01 – 50,000 € 0.30% 0.2587% (2),(3) From 50,000.01 – 150,000 € 0.40% 0.3450% (2),(3) From 150,000.01 – 300,000 € 0.60% 0.5178% (2),(3) From 300,000.01 € and over 0.80% 0.6906% (2),(3) Note: The interest rate applies for the total of the deposit’s amount.

SAVINGS BANK FOR CIVIL SERVANTS/PENSIONERS’ PAYROLL

Average Balance Scales Interest Net Annual (*) Explanations rate Yield From 0.01 – 5,000 € 3.00% 2.6021% (2),(3) From 5,000.01 and over 0.75% 0.6474% (2),(3) SAVINGS BANK FOR ETAA CIVIL SERVANTS/PENSIONERS’ PAYROLL

From 0.01 – 5,000 € 3.10% 2.6894% (2),(3) From 5,000.01 and over 0.85% 0.7339% (2),(3) Note: Interest rates apply for the parts of the deposit’s average balance and not for the amount’s total.

SAVINGS BANKS FOR PRIVATE EMPLOYEES PAYROLL 1.25% 1.0802% (2),(3) Note: The interest rate applies for the total of the deposit’s amount.

ATTICA HYPERSAVINGS BANK WITH MONTHLY YIELD OF 0.75% 0.6483% (**) (2),(3),(6) INTEREST

SAVINGS BANK BASE RATE 0.25% 0.2156% (3)

CURRENT ACCOUNT (for individuals) 0.10% 0.0862% (2),(3)

ACCRUED INTEREST CURRENT ACCOUNT (4) Interest (*) Average Balance Scales Net Annual Yield Explanations Rate From 0.01 - 5.000 € 0.10% 0.0862% (2),(3) From € 5,000.01 έως € 10,000 0,10% 0.0862% (2),(3) From € 10,000.01 έως € 50,000 0,30% 0.2587% (2),(3) From € 50,000.01 έως € 150,000 0,50% 0.4314% (2),(3) From € 150,000.01 έως € 600,000 0,75% 0.6474% (2),(3) From € 600,000.01 and over 1,00% 0.8637% (2),(3) Note: Interest rates apply for the parts of the deposit’s average balance and not for the amount’s total.

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TIERED INTEREST RATE INTEREST-BEARING CHECKING ACCOUNT (4)

Interest (*) Average Balance Scales Net Annual Yield Explanations Rate From 0.01 – 10,000 € Savings Bank Base 0.05% 0.0431% (2),(3) Rate Χ 20% From 10,000.01 – 30,000 € Savings Bank Base 0.15% 0.1293% (2),(3) Rate Χ 60% From 30,000.01 – 50,000 € Savings Bank Base 0.20% 0.1724% (2),(3) Rate Χ 80% From 50,000.01 – 100,000 € Savings Bank Base 0.25% 0.2156% (2),(3) Rate Χ 100% From 100,000.01 – 300,000 € Savings Bank Base 0.30% 0.2587% (2),(3) Rate Χ 120% From 300,000.01 – 500,000 € Savings Bank Base 0.35% 0.3019% (2),(3) Rate Χ 140% From 500,000.01 € and over Savings Bank Base 0.40% 0.3450% (2),(3) Rate Χ 160%

Note: The interest rate applies for the total of the deposit’s amount.

COMPANY CHECKING ACCOUNTS (N) (2)

TERM DEPOSITS Interest Rate Explanations Time Deposits (simple) (N) (2), (5) MONTHLY PROFIT, Time deposit with a monthly payment on interest (4) (2), (5) EARLY PROFIT, Time deposit with advance payment of interest (4) (2), (5) ATTICA PLUS, 12-month time deposit with a total of 16 monthly interest payments (in the 12th month, additional interests of 4 months are paid), as long as it is kept until due date. (4) (4), (5)

REPOS (N) (2)

DEPOSITS IN EXCHANGE (N) (2)

(*) Net Annual Yield = The account’s yield with a bi-annual compounding after the deduction of taxes. (**) Net Annual Yield = The account’s yield with monthly compounding after the deduction of taxes. (N) = Negotiable, depending on the sum, the duration and the interest rates of the interbank market. (1) Bank deposits, in any currency whatsoever, are covered by the Hellenic Deposit and Investment Guarantee Fund (HDIGF), up to the limits provided by the Law at any moment, according to L.3746, GG 27 A, 16/2/2009, as applies at any given moment. (2) The Savings Bank, Current and Checking accounts interests are calculated bi-annually, whereas the interests of the “Attica Hypersavings” product with a monthly yield of interest, as described further below in term 6. For the rest of deposits, as determined by the pertinent agreement. Time calculation basis of interests shall be a 360-day year. Value day of money deposit, for those which are effected in professional (checking) accounts bearing interest), shall be the working day following the transaction date, except in case the transaction date is agreed otherwise for all the other accounts. Value end date is the calendar day before the withdrawal day, except if agreed otherwise. The creation of a debit balance from overdraft or other cause is prohibited. In case of a debit balance, debit interests are calculated with an interest rate based on the current MLR+2.50% + Contribution L.128/75. The debit interest for savings accounts are collected bi- annually, for current and checking accounts every quarter (in particular, on the 10th of the next month after compounding) and for the “Attica Hypersavings with monthly yield of interest” product, as described below in term 6. - The interests of Deposits and Repos are subject to 15% tax. - For deeds on deposit accounts through other banks’ ATMs, apply the DIAS ATM SWITCHING commissions, as follows: 1. For withdrawal amount up to €50, interbank commission €0.73. 2) For withdrawal amount €51-100, interbank commission €0.85. 3) For withdrawal amount €101-110, interbank commission €0.95. 4) For withdrawal amount over €110, interbank commission €1.00. The above commissions are accrued with an additional DIAS SA fee. Balance enquiry: € 0.15 fixed. - The Bank does not set additional charges depending on the number of transactions. Minimum initial deposit € 1,500 for tiered interest rate checking accounts, € 5,000 for increased interest rate current accounts and € 10,000 – €30,000 for special time deposit accounts and Repos.

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- For the Savings Bank, the movement of the account is monitored through a special Savings Bank book. For checking and current accounts a “bank statement” is issued every month and every six months. (3) The interest rates of Deposits, Savings, Checking and Current accounts are subject to periodical revision depending on the market conditions and are valid starting from the date mentioned on their publication to the Press. The Checking account bearing interest with a tiered interest rate is connected to to the BET (Savings Bank Base Rate), as applies at any given moment. (4) For the yield and and the characteristics of the special deposit products as well as for the special accounts for ETAA and PAYROLL Insured and Employees, you are kindly advised to address the employees of the Branch.

5) Early full payment of Time Deposit (penalty) An early withdrawal of the Time Deposit is prohibited. It is allowed only with the prior consent and approval of the Bank. - Time deposits in Euros: In case the early full repayment is approved, the prematurely withdrawn sum will be charged with an interest equal to the Bank’s current BET annually, without further collection of the prepayment for the time period between the start of the time deposit up until the day before the early full payment. - Time deposit in Exchange: a) In case the early partial or full repayment is approved by the Bank, in US Dollars (USD), Great Britain Pound (GBP), Japanese Yen (JPY) and Swiss Frank (CHF), the depositor is entitled to the accrued interest from the beginning of the time deposit up until the day before the early payment. A prepayment will be deduced from it, being calculated with an annual interest rate equal to the balance of the agreed interest rate and the corresponding Libor in the London money market, on the day of announcement of the early withdrawal accrued by 1.00% (Libor + 1.00%), on the prematurely yielded capital for the remaining time period (early withdrawal date up until the deposit’s maturity). If the Libor interest +1.00% is smaller than the agreed interest rate, the depositor shall be entitled to the total of the accrued interests. If the remaining period does not coincide completely with the offical Libor periods, then the closest period to the above shall apply. b) In case the early partial or full repayment is approved by the Bank, in Swedish Crown (SEK), Danish Crown (DKK), Australian Dollar (AUD) and Canadian Dollar (CAD), the depositor shall be entitled to the accrued interest from the beginning of the time deposit up until the day before the early payment. A prepayment will be deduced from it, being calculated with an annual interest rate equal to the balance of the agreed interest rate and the corresponding current average rate in the Interbank Money Market (MID RATE) on the day of announcement of the early withdrawal accrued by 1.00%, on the prematurely yielded capital for the remaining time period (early withdrawal date up until the deposit’s maturity). If the MID RATE +1.00% is smaller than the agreed interest rate, the depositor shall be entitled to the total of the accrued interests. (6) The main characteristics of the ATTICA HYPERSAVINGS WITH MONTHLY YIELD OF INTEREST product are: - Interest rate (0.75%) from the first euro and for the whole amount of the account, under the premise that up to to 3 withdrawals/debits are effected in the course of a calendar month. - In case the number of withdrawals/debits exceeds three (3) in the course of a calendar month, then the account’s interest rate for the said month shall be reduced to BET (today at 0.25%). For the next month, the 0.75% interest rate shall apply, as long as the aforementioned conditions apply. - Withdrawals/debits are considered the total of possible registrations, that is movements (withdrawals) at the Bank's counters, ATMs, automatic charges (e.g. DIAS commissions for withdrawals from other banks’ ATMs, creation of a time deposit, repayment of loan instalments, VISA etc), charges through Internet Banking etc.. However, the following are excepted: debit interest registrations, deposit interest tax deduction and DEI, OTE, EYDAP, EYATH standing order repayment - The account’s interest rate, which is calculated every month depending on the amount of debits, is applied to the daily Valeur balance on the whole amount of the deposit. - Debit and credit interests are calculated every month. - Minimum amount of initial deposit €2,000, except in the case of opening accounts for connection with a time deposit, that is for transfer of interest (e.g. Monthly Profit, Early Profit etc.)

2. FEES, COMMISSION FOR DEPOSIT ACCOUNTS Fees, Commissions Explanations Checking or Current account bank statement copy upon the client’s Fixed cost € 3 request Operational costs of checking and current accounts with a debit movement Fixed cost €45 (1) (simultaneously with the collection of debit interest) Account block/unblock with a Court Order Fixed cost €30 Cheque Book granting Fixed cost per leaf €1.50 Reprocessing of bad cheques Fixed cost €30 Revocation of Cheque payment Fixed cost €15 Standing order of debiting deposit accounts (except ATTICA CARD) Fixed cost €6 (1) Debiting of fees is made every quarter and in specific on the 10th of the following month after compounding.

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3. MOVEMENT OF DOMESTIC/FOREIGN CAPITALS Commissions Minimum Explanations , Fees Euros THROUGH DIAS CREDIT TRANSFER Domestic (regardless of amount) and cross-border (up to € 50,000.00) (**),(***) automatic credit transfers (STP), SEPA (*) in €: Fixed cost 7.50 From € 0.01 until € 12,500.00 Fixed cost 12.50 From € 12,500.01 until € 50,000.00 Fixed cost 17.50 From € 50,000.01 and over

Non-automatic credit transfers (****)

Simple cross-border STP credit transfers within SEPA for payment of importers’ liabilities through DIAS CREDIT TRANSFER and up to € (**),(***) 12,500.00 (*****) Fixed cost 7.50 THROUGH TARGET 2/CORRESPONDENTS και SWIFT Automatic Credit Transfers (STP) : From € 0,01 until € 150,000.00 0.25% 15 (1), (***) From € 150,000.01 and over 0.30% -

Non-automatic credit transfers (****) THROUGH CORRESPONDENTS IN OTHER CURRENCIES WITH 0.30% 15 (1) SWIFT

Issuing of interstore order (except Import representatives’ commissions) 0.20% 20 No other fees Issuing of bank cheques in euros 0.20% 9 (2) Issuing of bank cheques in euros that are drawn abroad 0.20% 12 (2) Issuing of bank exchange cheques 0.20% 12 (2) Payment of domestic or cross-border orders in euros, cash Fixed cost 6 (3) Payment of interstore order in euros, cash Fixed cost 6 (3) Payment of r orders in exchange, cash Fixed cost 9 (3)

Purchase of other Banks’ cheques when not deposited in a deposit account (except time deposit) with the provided Valeur

- in the same city Fixed cost 2.50 (4) - in another city Fixed cost 4 (4)

(*) SEPA Countries : Austria, Belgium, Bulgaria, France, Germany, Denmark, Greece, Estonia, United Kingdom, Ireland, Iceland, Spain, Italy, Cyprus, Latvia, Lithuania, Lichtenstein, Luxembourg, Malta, Norway, Netherlands, Hungary, Poland, Portugal, Romania, Slovak Republic, Slovenia, Sweden, Czech Republic, Finland STP: Automatic Credit Transfer with the following conditions: beneficiary’s account charge AND beneficiary’s account credit in IBAN and BIC form of the paying Bank. (**) In the outgoing credit transfers through DIAS CREDIT TRANSFER, the DIAS fee is € 0.07 and the ΕΤΕ fee is € 0.15 per order and is not paid by clients but by the Bank. (***) In the outgoing credit transfers in case of an OUR fees indication, the fee bilaterally agreed upon with Greek Banks is also collected. Concerning foreign Banks, the fees shall be collected afterwards, upon request. (****) In the outgoing non-automatic credit transfers, the following are also collected: A: the fee bilaterally agreed upon with the Greek Banks or B: Concerning foreign Banks, the fees shall be collected afterwards, upon request. (*****) This special pricing applies only for simple STP capital transfer, for importers’ liabilities payments (full repayment of simple invoice without issuing a certification towards Customs/Transport company, without payment of representative’s commission, without repayment of transportation fees, premiums etc), within the SEPA space, only until € 12,500.00, only through DIAS CREDIT TRANSFER. (1) In outgoing remittances of these categories, additional swift fees are collected (€ 10.00 per message). (2) Issuing a bank cheque incurs additional postal fees, SWIFT etc. (3) If incoming remittances are carried in deposit account credit with the valeur mentioned in the remittance, no commission is collected. In case of reduction of the valeur days, interest is collected with an interest rate equal to the MLR (Minimum Lending Rate), accrued by 2.5% for the reduced number of days. (4) Interests with an interest rate equal to the MLR (Minimum Lending Rate), accrued by 2.5% for the reduced number of days, of the VALEURS or the afomentioned fixed costs, are collected as long as the interests are smaller than the fixed costs. Note: The provided VALEURS of purchase of cheques of other domestic banks up to € 300,000 per cheque are: - for cheques of the same city, the third working day - for cheques of another city, the fifth working day (in case they are not members of DISSE system) For cheques over € 300,000, it’s the fifth working day.

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If during the transaction process a third Bank gets involved, the principal is charged with additional commissions and expenses according to this Bank’s pricelist.

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SPECIAL TERMS FOR IMPORTS, EXPORTS, EXCHANGE, VALUES TO BE COLLECTED AND OTHER WORKS (Bank of Greece Governor’s Acts 2501/31-10-02)

The hereby terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014)

Commissions, Minimum 1. IMPORTS Fees Euros Letters of Credit for Imports and Remittances in Advance

- Opening against cash cover 4ο/οο 60.00 - Opening without cash cover 4ο/οο 60.00 - Warrant (per undivided quarter) * 1.25% 75.00 - Confirmation (per undivided quarter) ** 5ο/οο 60.00 - Modification Fixed Cost 30.00 - Annulment Fixed Cost 30.00 - Execution of Letters of Credit/remittances in advance 6ο/οο 60.00 - Settlement of Letters of Credit 4ο/οο 60.00 - Repayment of time credit 4ο/οο 45.00 For bill of lading documents in cash or time 6ο/οο 45.00 Repayment of time liability (promissory note etc) 4ο/οο 45.00 Extension of Bill of exchange/bill Fixed Cost 30.00 Delivery of bills of lading/exchange etc free of payment Fixed Cost 30.00 Commission of reloading as long as our Bank intervenes (it regards re-exporting of ο 5 /οο 30.00 goods) Saving commission 4ο/οο 25.00

Notes * The warrant commission is collected in case of opening credit without cover or a time credit per undivided quarter and is calculated from the opening of the credit up until its execution if it regards a cash credit and up until time credit is repaid if it regards a time credit. ** The confirmation commission is collected when our Bank gives the order to the corresponding Bank to add its confirmation and is calculated per undivided quarter from the opening of the letter of credit up until its execution.

Commissions, Minimum 2. EXPORTS fees Euros For lading documents cash 0.60% 45 For letters of credit cash (execution) 0.60% 60 For lading documents of time limit 0.40% 45 For letters of credit of time limit 0.40% 60 Free of payment 0.30% 45 Collection of Bills of exchange/Promissory Notes 0.40% 45 Export letters of credit - Announcement 0.10% 30 - Confirmation (per undivided quarter) 1.25% 60 - Modification fixed cost 30 - Annulment or non-execution 0.20% 30 - Transfer to another beneficiary 0.10% 30

Commissions, Minimum 3. EXCHANGE DEEDS fees Euros Purchase and sale of foreign banknotes:

- until the price of € 150 Fixed Cost 3 - over the price of € 150 Fixed Cost 6 Purchase of exchange cheques and T/C:

- until the price of € 150 0.2% 2.5 - over the price of € 150 0.2% 4.5 Time limit exchange deeds 0.50% 30 Commission on deed of purchase and sale of exchange

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- until € 3,000.00 0.20% 1.50 - from € 3,000.01 - € 60,000.00 0.15% 6 - from € 60,000.01 and over 0.05% 90

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4. SIMPLE VALUES FOR COLLECTION (bills of exchange etc) Commissio Minimum Notes ns, Fees Euros Domestic - Simple values 1.1% 10.0 - Extension of maturity Fixed Cost 10.0 - Return of unpaid value or for any protestation Fixed Cost 13.0 Foreign - With maturity up to one year 0.40% 29 - With maturity over one year 0.40% 44 - Order for extension Fixed Cost 29

5. PAYMENTS THROUGH DIAS SYSTEMS Ι) Company Commissions, Cooperation Agreement Α) Direct Charges (Fixed) WWF, Rhodes DEYA (Municipal Water and Sewerage Company), Action Aid, Kalymnos DEYA, Medecins Sans Frontieres, Greenpeace, Lamia DEYA, Karditsa DEYA, Tripolis DEYA, Mytilene DEYA, Ag. Nikolaos, Crete DEYA, Larissa DEYA, Trikala DEYA, Alexandroupolis DEYA, Aigio DEYA, Katerini DEYA, Kerkyra DEYA, Xylokastro DEYA, Symi DEYA, Leros DEYA, Kavala DEYA, Loutraki DEYA, Messolonghi DEYA, Thera DEYA, Thessaloniki DEYA, North AxisChania DEYA, Serres DEYA, Sparta DEYA, Eretria DEYA, Corinth DEYA, Castoria DEYA, Edessa DEYA, Florina DEYA, Minoa Pediadas DEYA, Chania DEYA, Thermi DEYA, Veroia DEYA, Mykonos DEYA, Sikyonies DEYA, Syros DEYA, Serfin (Hellas Finance SA), Firen (Hellas Finance SA), BMW FS (Hellas Finance SA), Payzone Hellas, Tellas, ETAO, Hertz Auto Hellas, IATA BSP, IATA CASS, Atlantic Union General Insurance SA, TEAGE, ING Life, ING General Insurance, Free of Charge Cyta Hellas SA, Minetta Insurance, Good Year, Forthnet, PASOK, Citibank International PLC Mastercard, Citibank International PLC Visa, Multichoice Nova, Aegean Power, G4S Secure Solutions, Spartan Security, Unicef, Ethniki Insurance, Cdo Paso Card, REVMAena, Cosmote, To Hamogelo tou Paidiou, G4s Telematix, Booking Com B.V., Groupama Phoenix, Sitia DEYA, OEGA (Greek Agricultural Insurance Organization), Paros DEYA, Drama DEYA, Pangaio DEYA, Diners Club Hellas SA, Pylaia Hortiatis DEYA, Nafplio DEYA, Nafpaktos DEYA, Preveza DEYA, Broader Volos DEYA, Chalkis DEYA, Thasos DEYA, Iraklio DEYA, Igoumenitsa DEYA, DEI (Public Power Corporation S.A. – Hellas).

Volkswagen Bank, Vivodi, Eurolease Fleet, BMW Group Hellas, Michelin, Interasco, Leaseplan, SFS Hellas Finance Consumer SA, Credit Alico AIG Life, Generali Life, Generali Hellas, ACS Courier, Brinks Security Services, Verbund Austrian Power Trading Energa Hellas, Credicom Consumer Finance Bank SA, FGA Capital Hellas, FGA Bank GmbH, Evropaiki Pisti, Thessaloniki EPA (Natural Gas Company), Thessaly EPA, Hellasfon Networks, Supply and Consumer Association of Attice Police Officers, Diethnis Enossi AAE., SYNPE OSE, TEC Hellas, Elpedison, Green Greek Environmental & Energy Network, Pierre Fabre Hellas, Evropaiki Enosis General Insurance SA, Minetta Insurance, Heron Fixed Cost 0.30 (1) Thermoilektriki , WATT & VOLT SA., FGA Insurance Hellas, Attica EPA, Allianz, Interamerican, ΟΤΕ Youth Account, Holmes Place, Abbott Laboratories, ALD AUTOMOTIVE Commercial & Industrial S.A., ELASTRAK SA., PIRELLI TYRES Commercial and Industrial SA,, ELTREKKA SA,, KONICA MINOLTA BGR SA., BSH HOME APPLIANCES, PROTERGIA SA./INDIVIDUALS, PROTERGIA SA./COMPANIES, Ο.Α.Ε.Ε. SETTLEMENT INSTALMENTS (206), MERCEDES BENZ HELLAS SA., OAEE SETTLEMENT INSTALMENT EX INSURANCE (207)), NEA ODOS SA. - INDIVIDUALS (857), NEA ODOS SA. - COMPANIES (858), CNP INSURANCES LTD, CNP LIFE, CNP AGENCY SA. Β) Payment Orders SERFIN (SFS HELLAS FINANCE SA.),FIREN (SFS HELLAS FINANCE SA.),BMW FS (SFS HELLAS FINANCE SA.), TELLAS, PLAISIO, ΕΤΑΟ, IATA BSP, IATA CASS, EVROPI SA General Insurance., TEAGE, ING LIFE,CYTA HELLAS SA., MINETTA LIFE - SA. General Insurance, G4S TELEMATIX, GOODYEAR, DEMCO INSURANCE, PASOK ,G4S SECURE SOLUTIONS SA, Free of Charge ETHNIKI ASFALISTIKI SA. General Insurance,ΕΘΝΙΚΗ ΑΣΦΑΛΙΣΤΙΚΗ SA. General Insurance, FLEXIBLE PAYMENT, GROUPAMA PHOENIX, REVMAena Individuals, REVMAena Companies, MY DIRECT INSURANCE, TSAY (Freelancer Contributions), AIG ΕΛΛΑΣ SA.,CENTRAL UNION OF HELLENIC CHAMBERS (UHC) , TEIRESIAS SA. , DEPOSIT AND LOANS FUND, 16

TECHNICAL CHAMBER OF GREECE - COMPENSATION PERCENTAGE, OTE- INVOICES, HRS MOBILE, HELLENIC LOTTERY, KEAO

5. PAYMENTS THROUGH DIAS SYSTEMS (continued): Commissio Minimum Notes ns, Fees Euros VOLKSWAGEN BANK,VIVODI,BMW GROUP HELLAS,MICHELIN,ΙNTERASCO,SFS HELLAS FINANCE CONSUMER SA CREDIT,GENERALI HELLAS, ACS COURIER SA,RHODES DEYA, ACTION AID, KALYMNOS DEYA,VEROIA DEYA, TSAY (EMPLOYER CONTRIBUTIONS), INDUSTRIAL PROPERTY ORGANIZATION, THESSALONIKI GAS COMPANY, THESSALY GAS COMPANY, CHRYSSOS ODIGOS SA (YELLOW PAGES),INTERAMERICAN GREEK LIFE INSURANCE COMPANY, INTERAMERICAN GREEK DAMAGES INSURNCE COMPANY, INTERAMERICAN ROAD INSURANCE - GENERAL INSURANCE, VIVA PAYMENT SERVICES SA (Discretionary title:VIVA PAYMENTS), ON TELECOMS, GREEK CHAMBER OF HOTELS, LARISSA DEYA, INTERNATIONAL LIFE SA. GENERAL INSURANCE, INTERNATIONAL LIFE SA. LIFE INSURANCE, BRINKS HELLAS SECURITY S.A., ENERGA - ELECTRIC ENERGY RETAIL TRADE SA., GREENPEACE, CREDICOM CONSUMER FINANCE BANK SA., ATTICA GAS COMPANY, LAMIA DEYA, KARDITSA DEYA, TRIPOLIS DEYA, LESVOS DEYA, AGIOS NIKOLAOS-CRETE DEYA, TRIKALA DEYA, ALEXANDROUPOLIS DEYA, AIGIO DEYA, MULTICHOICE-NOVA, KATERINI DEYA, HELLAS POWER SA., KERKYRA DEYA, XYLOKASTRO DEYA, FGA CAPITAL HELLAS, FGA BANK GmbH, TEC HELLAS LTD, AEPI SA, SPARTAN SECURITY, SYMI DEYA, LEROS DEYA, KAVALA DEYA, EVROPAIKI PISTI, ACHAIA CHAMBER, HENKEL HELLAS INDUSTIAL AND COMMERCIAL SA , LOUTRAKI DEYA, ALLIANZ INSURANCE SA., MESSOLONGHI DEYA, THERA DEYA, HELLASFON NETWORKS SA., PREFECTURE OF CHANIA NORTH AXIS DEYA, THESSALONIKI EYDAP, MUNICIPALIT Y OF LARISSA, AIGAION INSURANCES, ACS ATHENS, SERRES DEYA, DIETHNIS ENOSSIS AAE, AXA ASFALISTIKI GENERAL INSURANCE, SPARTA DEYA, ERETRIA DEYA, CORINTH DEYA, ELPEDISON LP, COSMOTE, NATIONAL COMMITTEE OF TELECOMMUNICATIONS AND POST OFFICES, GREEN GREEK ENVIROMENTAL & ENERGY NETWORK SA. - INDIVIDUALS,GREEN GREEK ENVIROMENTAL & ENERGY NETWORK SA.-COMPANY, EVROPAIKI ENOSSIS SA GENERAL INSURANCE, MINETTA INSURANCE, KASTORIA DEYA, ARAG HELLAS, HERON Fixed Cost 0.50 (1) THERMOILEKTRIKI-INDIVIDUAL, HERON THERMOILEKTRIKI - COMPANIES, WATT & VOLT SA-INDIVIDUALS, WATT & VOLT SA. COMPANIES, FLORINA DEYA, MUNICIPALITY OF CHERSONISSOS, EDESSA DEYA, EVIMA GROUP SA, MINOA PEDIADAS DEYA, ERGO ASFALISTIKI, FGA INSURANCE HELLAS INSURANCE CONSULTANTS SA, CHANIA DEYA, NP INSURANCE/NEOS POSEIDON SA, THERMI DEYA, DYNAMIS GENERAL INSURANCE SA, YDROGEIOS SA INSURANCE AND UNDERWRITING, MYKONOS DEYA, SYROS DEYA, MUNICIPALITY OF KROPIA, KAFKAS SA, COMMERCIAL-INDUSTRIAL CHAMBER OF ATHENS, SIKYONION DEYA, PROFESSIONAL CHAMBER OF ATHENS, THESSALONIKI DEYA, AXA LIFE INSURANCE, PRIME INSURANCE, AKEP SA (ATHENS CENTRE OF COMMUNICATION AND INFORMATICS SA), CROMAR INSURANCE BROKERS LP, ELASTRAK SA, PAPAKI LP, PAROS DEYA, SITEIA DEYA, ANEK, MUNICIPALITY OF SARONIKOS, ELTREKKA SA, DRAMA DEYA, 520 BARCODE HELLAS SA, DEDDIE, TEO SA, WESTERN UNION- WORLDBRIDGE, PANGAION DEYA PIRELLI TYRES SA, ATLANTIC UNION SA, CHAMBER OR CORINTHIA, PYLAIA HORTIATIS DEYA, NAFPLION DEYA, NAFPAKTIA DEYA, PROTERGIA SA-INDIVIDUALS, PROTERGIA SA-COMPANIES, PREVEZA DEYA, AEGEAN MOTORWAY SA, CHAMBER OF LARISSA, TRADE CHAMBER OF THESSALONIKI, NPDD, GREATER VOLOS DEYA, CHALKIS DEYA, THASOS DEYA, GENERAL INSURANCE OFFICE, ELPA, MERCEDES BENZ HELLAS SA, MTEL, PRAKTIKER HELLAS SA, MUNICIPALITY OF DIONYSOS, IRAKLIO DEYA, InnoView, FARMASERV LILLY COMMERCIAL AND INDUSTRIAL SA, INSURANCE MARKET, NEA ODOS SA, NAOUSA DEYA, MUNICIPALITY OF PALLINI INDIVIDUALS & COMPANIES, DEI - INVOICES AND AGENTS, CHAMBER OF ACHAIA, CHAMBER OF ARCADIA, TRADE CHAMBER OF PIRAEUS, EMA SA, GERMAN SCHOOL OF ATHENS, EASTERN OLYMPUS DEYA, HORTIATIS DEYA, AGIA DEYA, KOS DEYA, BIOTECHNICAL CHAMBER OF THESSALONIKI, DEI, IGOUMENITSA DEYA, CHAMBER OF PREVEZA, CHAMBER OF IRAKLIO, OMNINET M. LP, CHAMBER OF IOANNINA, CNP INSURANCES LTD, CNP LIFE, CNP PRAKTORIAKI SA, CHAMBER OF ARGOLIS.

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ΙΙ) Other Organizations - Companies Α) Direct Charges (Fixed) - ΟΤΕ no charge

- ΟΑΕΕ. fixed cost 0.30 (1)

Β) Payment orders - VAT no charge

- IKA Employers’ contributions no charge

- ΟΑΕΕ fixed cost 3.00 (1) - ΟΤΕ fixed cost 0.50 (1) - Cadastre no charge

- Labour ticket (IKA-OGA insurance contributions) no charge

- Payroll Tax (FMY) no charge

- Corporate Tax (FENP) no charge

- Contributions and Business Tax of L.3986/2011 no charge

- Special Fee for Arbitrary Buildings Control and Single Special Arbitrary Buildings no charge Fine - Single Special Arbitrary Buildings Fine no charge

- Repayment of Duties and Special Taxes(ΤΕF) no charge

- Tax Office Certified Debts no charge

- Vehicle Excise Duty no charge

- E-Stamp no charge

- Property Value-Added Tax no charge

Commissions, minimum Notes 6. Other Services Fees euros Securities - Parafiscal Charges (DSS (Dematerialized Securities System), ATHEX) a. Creation of Investor Share Code Number in the DSS It is collected as a one-off right for E.H.A.E (Greek Stock Exchange- 10.00 ATHEX) 0.50 per b. Settlement charges for the transfer of values to the Transitional settlement order Operator’s Account c. Commission of using Settlement and Clearing in the DSS Size of portfolio PERCENTAGE

Total Average Portfolio Value 15,001 100,000,000 0.0031% Total Average Portfolio Value 100,000,001 500,000,000 0.0029% Total Average Portfolio Value 500,000,001 2,500,000,000 0.0027% Total Average Portfolio Value 2,500,000,001 5,000,000,000 0.0026% Total Average Portfolio Value 5,000,000,001 No limit 0.0023% - Order of buy-sale of shares in ATHEX via internet 4.5 ο/οο 6.00 - Custody of Dematerialized Titles a. Foreign Bonds 0.7ο/οο - PLUS FEES: a1. Fees per transaction on Western Europe Bonds/Shares fixed cost 13.00 Fixed Cost 13 euros 18

a1.1 Fees per transaction on Austrian, Finnish, Spanish, Portuguese, fixed cost 15.00 Italian Bonds/Shares a2. Fees per transaction on EuroBonds fixed cost 6.00 a3. Fees per transaction in Great Britain fixed cost 10.00 a4. Fees per transaction in the USA fixed cost 7.00 a5. Fees per transaction on other markets (Canada, Japan, Australia, fixed cost 18.00 Hong Kong, South Africa)

b. Domestic Bonds 0.5 ο/οο 10.00

- Custody of natural titles a. Bonds - Shares 5 ο/οο 30.00 (1) b. Deposit of non-admitted to trading shares for a General Assembly Certificate ο 1 /οο 15.00 (1) - Provision of data of older uses 10.00 (1)

Safe deposit boxes Lease - Renting of safe deposit boxes annually, depending on size € 40 - € 110 fixed cost (1) - Warrant € 40 fixed cost

7. OTHER EXPENSES Commissions, Minimum fee fees Simple letters postal fees fixed cost 1.50 Registered mail postal fees fixed cost 3 Bill of exchange/cheque postal fees fixed cost 1.50 Postal fees for each admission fixed cost 9 Special extra postal fee “EXPRESS”

- For domestic mail fixed cost 3

- For foreign mail fixed cost 6

Special additional fee of mail receipt “CERTIFIED - EPI APODEIXEI” fixed cost 6 Fees for domestic FAX messages fixed cost 6 Fees for FAX messages to Europe fixed cost 35 Fees for FAX messages to other Continents fixed cost 53 Fees for messages through SWIFT to Europe for admissions fixed cost 30 Fees for messages through SWIFT to other Continents for admissions fixed cost 45 Fees for messages through SWIFT for other services fixed cost 10 Fees for letters of credit to Europe through SWIFT fixed cost 30 Fees for letters of credit to other Continents through SWIFT fixed cost 45 Fees for foreign correspondents fixed cost 9

Note:

(1) The following services require the payment of an additional 23% VAT.

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SPECIAL TRANSACTION TERMS THROUGH E-BANKING (Bank of Greece Governor’s Acts 2501/31-10-02) The hereby terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014)

E-BANKING FEES/COMMISSIONS COMMISSION, FEES Transfer of sum between Checking Deposit Accounts, Savings No Charge Bank, and Current Attica Bank (own account or of third parties) Standing order for DEI, EYDAP, TSMEDE, EYATH bill payment No Charge TSMEDE, TSAY, TEE, LANNET Payment No Charge DIASDEBIT Commission: Α) Direct charges (standing order) No Charge - ΟΤΕ , ΤΕΒΕ Β) Payment orders - VAT, IKA, OAEE, CADASTRE Request for Cheque Book granting No Charge Issue of interstore order with payment of beneficiary in cash No Charge Attica GIFT CARD reload No Charge (Regardless of reload sum) (1) REMITTANCE THROUGH DIAS CREDIT TRANSFER

i) Credit Card payment No Charge ii) Outgoing orders with account credit up to 150,000€, with the Until 1,000€ FIXED 0.30€ beneficiaries IBAN and OUR, BEN or SHA fee charge from 1,000.01€ until 12,500 FIXED 1€ Over 12,500€ FIXED 3€ plus potential interbank fees (2)

iii) Outgoing orders through SEPA with account credit up to until 1,000€ FIXED 0.30€ 50,000€, with the beneficiaries IBAN and SHA fee charge from1,000.01€ until 12,500 FIXED 1€ Over 12,500€ FIXED 3€ iv) Outgoing order until 2,000 euros with beneficiary payment in Interbank fees (3) cash

NOTES:

1) Minimmum reload amount 30€. 2) The interbank fees bilaterally agreed with the Greek Banks which are received for the OUR fee charge, are as follows: € 0.80 – € 1,20 for order amount until €12,500, € 2.00 - € 4.00 for order amount from € 12.500,01 – €50,000, & € 5.00 - € 20.00 for order amount from € 50,000.01 and over. 3) The interbank fees bilaterally agreed with the Greek Banks which are received, are as follows:€ 10.00 - € 20.00 per order.

GENERAL OBSERVATIONS 1. When no currency is mentioned, the euro applies. 2. The client is charged with the real post, telephone, fax fees or other real expenses (e.g. notary expenses, notice of protest, legal expenses, engineers etc) 3. Certain special categories of the aforementioned services, specialized services (merchandise saving, exchange cheque purchase etc) as well as the exchange value on the relative acts, are not mentioned in this present leaflet. In those cases, clients are requested to contact the Branch’s competent departments. 4. The aforementioned Terms are subject to periodical revision and can be specialised as appropriate with a special agreement. Last update 19/05/2014) 5. In case of complaints, clients are kindly requested to contact the Store Managers. If they do not receive a satisfactory reply, they are requested to contact in writing to the Compliance Department, 23 Omirou , 10672, Athens.

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