SPECIAL CREDIT TERMS FOR BUSINESSESES AND PROFESSIONALS (Bank of Greece Governor’s Acts 2501/31-10- 02) The hereby terms are subject to periodical revision and can be specialized as appropriate with a special agreement. Last update 01/03/2018) 1. LENDING TO BUSINESSESES AND PROFESSIONALS (INTEREST RATES) Explanatio ns - Minimum Lending Rate, for working capital, in euros M.L.R 10.00% (1), (2) - Preferential Interest Rate of Short-term Lending, in euros P.R.S.L 9.15% (1), (3) -Minimum Loan Rate, Mid- and Long-term, in euros M.L.R 6.50% (1), (4) - Working Capital in exchange (N) (1) - Basic Factoring Rate Β.F.R 8.25% (1), (5) - Basic Margin Account Rate B.M.A.R 7.90% (1), (6) - Attica Interest-Free Installment Discounting 6-month Euribor plus margin from 5.5% to 8.5% (7) (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 Professionals 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 (7) Borrowers are charged with the Contribution of L.128 / 75, paid to the Bank of Greece (currently 0.60%). For the purposes of determining the total contractual rate, the EURIBOR price may never fall below zero. The interest on the finance is paid on discounting interest-free installments. The time basis for calculating interest is 365 days. 2. LENDING TO BUSINESSESES AND PROFESSIONALS (EXPENSES, Commission, Minimum Expenses euros COMMISSIONS) 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) Interest-free installment discounting monitoring expenses for "Attica Interest-Free Discounting Rates" (11) fixed cost € 300 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 0.5% with a minimum € 21 docket 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. Title search and underwriting/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 Underwriting cancellation or reduction fees: 55€ plus attorney appearance fees 134€ (6) Debt settlement 1%, with a minimum of 90€ and a maximum of 600€ Gaewsw+\ TECHNICAL AUDIT/TECHNICAL ASSESSMENT FEES: The borrower shall be charged with the fees and expenses of the associate assessors that are needed, such as for property value assessment, property value re-assessment, certification of project progress, urban planning legality expert opinions etc. You can get analytical information from the competent services of the Branch. BOND LOAN ISSUING COMMISSIONS WITH ATTICA BANK AS BOND LENDER Organization Commission (7) 0,3% - 0,5% on Minimum the loan sum €5.000 Administration Commission (8) 0.1% on the loan Minimum sum €3.000 Security Custody Commission (9) 0.05% on the loan sum 0.1% on the Idleness Commission (10) capital of the as in force 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 100€ and a max 2,000€ 0,5 % on the initial sum of - Attica Enterprise Development Loan the 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 underwriting 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 the underwriting registration fees in the operating Cadastres come to 0.82% on the underwriting sum. (5) Those fees are not valid for non-interest charged accounts and blocked credit beneficiaries. (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. (11) Expenses regarding the annual fixed operational and administrative cost for monitoring interest-free installment discounting. 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 change etc.) in Fixed cost € 30 euros and exchange (plus SWIFT, etc) Letters of Guarantee to client-members of TEE (Technical Chamber of Greece), TSMEDE (Engineers' and Public Contractors' 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.