Cards - Rates & Charges

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1 - Rates & Retail > Credit > Debit (DEBIT MASTERCARD /ΕΘΝΟCASH PLUS / ΕΘΝΟCASH PLUS AGROKARTA) > Prepaid Business Banking > Debit (DEBIT MASTERCARD BUSINESS /ΕΘΝΟCASH PLUS BUSINESS/ ΕΘΝΟCASH PLUS AGROΚΑΡΤΑ) > Charge (Business Master) > Deposit (ETHNODeposit) Corporate Banking > Debit (DEBIT MASTERCARD BUSINESS /ΕΘΝΟCASH PLUS BUSINESS/ ΕΘΝΟCASH PLUS AGROΚΑΡΤΑ) > Charge (Business Master) > Deposit (ETHNODeposit) [NBG Group Marketing and Communication Division] [Updated: 21/01/2016] 1 / 5

2 - Rates & Credit (Retail) Interest Rates (*) (from 15/01/16 to 14/02/16) Purchases s Master 15.40% 16.90% 33 VISA 15.40% 16.90% 33 Gold Master 14.85% 16.35% 55 Annual fee Main (1st year: free Additional of ) Platinum 12.34% 13.34% 90 Master My Club VISA 15.90% 16.90% 33 Toyota VISA 14.93% (^) 16.43% free of (^) For the first 6 months purchases are d at a bonus rate of 9.90%. AB VISA (^^) 14.15% 15.15% 28 (^^^) (^^) As of 1/2/2014 AB VISA cards are not issued or renewed. (^^^) for the subsequent years provided that purchases exceed 1,000 yearly. COST OF PROVIDING COPIES OF ACCOUNT STATEMENTS, NOTIFICATIONS, AGREEMENTS AND OTHER DOCUMENTS FROM THE RECORDS OF THE BRANCH AND/OR THE BANK CHARGE FOR PROVIDING COPIES OF AGREEMENTS IN THE CONTEXT OF LAW 3869/2010*** replacement outside Greece -Outside Excess of credit limit (**) 5% - Outside 5% free of 5% SMS Alerts (***) 10 (for up to 10 pages) For more than 10 pages: 0.50 per page, up to a maximum of 50 per request. 10 (for up to 10 pages)/copy of agreement. For more than 10 pages: 0.50/ page, up to a max of 50/ applicant for the total of the loan agreements (***)If the customer requests copies of other documents, the above mentioned s will apply. If a request is submitted to provide copies related both to mortgage and consumer credit, only the applying to the mortgage credit is collected (currently 50/applicant). Private Label (Retail) Easy Buy Elektroniki Athens 16.50% ---- Charge (Business / Corporate Banking) Business Master % ---- Click here - Outside (*) Plus under law 128/75. (**) Excess of credit limit: The percentage is d on the overdraft amount. (***) SMS Alerts: Alert notification service via text messages (SMS) on the mobile phone of NBG credit cards principal holders, regarding their credit card transactions and monthly statements. apply regardless of the number of dispatched SMS. [NBG Group Marketing and Communication Division] [Updated: 21/01/2016] 2 / 5

3 - Rates & Prepaid (Retail) Virtual Master issuance loading fees* unloading fee* Loading amount : 2 2 Loading amount : 3 (irrespective of amount Loading amount ,500: 5 unloaded) issuance loading fees Purchases Initial loading withdrawal via NBG ATM Shopping in unloading fee PREPAID VISA -Initial issue -Reissue 5 Renewal 5 Reloading 1% on the amount min 1- max 3 withdrawal via ΑΤΜ or POS/Branch of other bank in Greece and abroad where currency is withdrawal via ΑΤΜ or POS/Branch of other bank abroad in currency other than 2 3 Shopping in currency other than 1% on the amount of the transaction in 2 (*) Remarks: loading is free of if the amount loaded is to settle a debit balance of less than 10 on your card. Where the unloading amount is lower than the transaction fee, the full unloading amount will be withheld as a fee for the transaction. no longer issued/renewed included for information purposes only Interest Rates (*) (from 15/01/16 to 14/02/16) Purchases Annual fee s VISA Electron / Agapo ta paidia Master /Smart VISA Parousiasi 15.90% 16.90% AB VISA Electron 14.69% 15.69% Be Expert / Electronet Deal / AKIS extra 16.50% - My % (*) Plus under law 128/75. replacement Excess of credit limit [NBG Group Marketing and Communication Division] [Updated: 21/01/2016] 3 / 5

4 - Rates & Credit / Charge - Remarks 1. Charge under law 128/75: The above interest rates are subject to the under law 128/75 (0.60%), apart from exceptions such as permanent residents of islands with population less than 3,100 (as per Law 2703/99). 2. Change of interest rates: The conventional interest rates concerning credit cards (for purchases and cash withdrawals), applying as the case may be, are floating and are set out in the relevant Additional Deeds. The Bank will adjust these interest rates every month, as of the 15th calendar day of every month, in line with the change of the average monthly Euribor (1Μ Euribor) of the previous month, rounded to two (2) decimal places. Euribor: Euribor is a reference rate that can readily be viewed at Moreover, such information is provided by the Bulletin of Conjunctural Indicators on the website of the Bank of Greece, as well as on NBG s website ( 3. Minimum monthly instalment: 2% of the principal debt amount, plus interest and other expenses, subject to a minimum of 10 (apart from Business Master). For Private Label cards & My, the respective rate is 3%. 4. Instalment payments: The payment of card instalments is free of through NBG s service channels (teller s desk, Internet banking, Phone banking, ΑΤΜ network and APS machines. 5. Debt in arrears: In respect of principal, interest and s, debt in arrears is subject to the highest default rate (currently 2.5 points above the contractual rate applicable), plus s under law 128/75, currently 0.60% annually. 6. withdrawals by Business Master (depending on amount): Α) via NBG ATMs in Greece: Up to 100: 3 / : 5 / : 10 / over 500: 20. Β) Via NBG branches in Greece, via other domestic and foreign banks ΑΤΜs & branches: Up to 100: 5 / : 7 / : 12 / over 500: Transactions in foreign currency other than : The equivalent in, to be d to the account, is calculated on the basis of the rates set by Master International and Visa International, effective on the date and time of processing and settlement of transactions by these organizations (for further details see the credit card contract). 8. Special offers for credit card rates available to deposit account holders (applicable for as long as the corresponding deposit account is held): Beneficiaries of Salary Plus, Professional Plus, Farmers Plus accounts, as well as any members of their families provided with an additional credit card, are entitled to a discount of one (1) percentage point on the interest rates for purchases and cash withdrawals by Mastercard, Gold Mastercard, Visa and free of subscription fee. Beneficiaries of Family Fast account are entitled to a discount of one (1) percentage point on the interest rates for purchases and cash withdrawals by Mastercard, Gold Mastercard, Visa and free of 1st year subscription fee. Beneficiaries of NBG Children account are entitled to free subscription for Mastercard, Gold Mastercard and Visa. Any favourable pricing policy (regarding interest rate, fees etc.) applying to salary deposit accounts and account-linked products and/or benefits in connection with identical or similar products and/or benefits, shall be applicable for as long as the account continues to be credited with payroll or pension funds. 9. Submission of comments/suggestions/complaints by customers. If you wish to submit any comments/suggestions/complaints, please contact (in the following order): > The relevant staff at your Branch who will seek to deal with your issue right away. NBG s Customer Relations Governance Sector: Omirou 30, , Athens / Tel.: (for domestic calls from a landline) or +30 > (for international calls from a cell phone), Monday to Friday, 08:00 16:00 / fax: / Customer Ombudsman: NBG Customer Ombudsman s Office, Syngrou Ave., , Athens, Ethniki General Insurance, Building > B, 1 st floor / Tel.: / Fax: / If you wish to find out more about the NBG Customer Ombudsman, just visit the Bank s website. Finally, if, despite the mediation of the NBG Customer Ombudsman, your issue has not been satisfactorily resolved, you may contact the Hellenic Ombudsman for Banking Investment Services: 1, Massalias Str., Athens, Tel.: , fax: , / website: [NBG Group Marketing and Communication Division] [Updated: 21/01/2016] 4 / 5

5 - Rates & DEBIT MASTERCARD /ΕΘΝΟCASH PLUS / ΕΘΝΟCASH PLUS AGROKARTA Debit (Retail) 1. Supply of Debit Master & ΕΘΝΟCASH PLUS AGROΚΑΡΤΑ 2. Transactions via NBG s i-bank ATM network: withdrawal / deposit / NBG cheque deposit / Money transfer between NBG 2.1 account (own account or of third parties) / Balance inquiry / Issue of mini-statement / Credit card installment payment 2.2 Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions, Chambers, Municipalities and Municipal Undertakings, other companies, donations etc) As quoted in the relevant section, under for Other Banking Transactions 2.3 Money transfer in Euro (OUR) up to 900 to immigrants countries: Albania, Armenia, Bangladesh, Bulgaria, Egypt, Georgia, India, Moldova, Pakistan, Philippines, Poland, Romania, Russia, Sri Lanka, Turkey, Ukraine Specifically to banks of the NBG Group: Banka NBG Albania SA / United Bulgarian Bank / Banca Romaneasca SA 3 3. Transactions via other Banks ATMs in Greece and abroad: 3.1 withdrawal from account (DIASNET CIRRUS/MAESTRO- Master ): Amounts up to Amounts from 391 to Amounts form 491 to Amounts over % on the amount withdrawn 3.2 Account balance enquiry via other banks ATMs (DIASNET) 0.14 DEBIT MASTERCARD BUSINESS/ΕΘΝΟCASH PLUS BUSINESS/ ΕΘΝΟCASH PLUS AGROΚΑΡΤΑ Debit (Business / Corporate Banking) 1. Supply of Debit Master Business 1.1 Annual fee (per card) Specifically for NBG Sight Account for Legal Entities 1.3 replacement because of damage 2. Supply of ΕΘΝΟCASH PLUS AGROΚΑΡΤΑ for Legal Entities 3. Transactions via NBG s i-bank ATM network: withdrawal / deposit / NBG cheque deposit / Money transfer between NBG 3.1 account (own account or of third parties) / Balance inquiry / Issue of mini-statement / Payment of instalments and interest of business loans (Open Business Loan & Overdraft) 3.2 Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions, Chambers, Municipalities and Municipal Undertakings, other companies, donations etc) As quoted in the relevant section, under for Other Banking Transactions 4. Transactions via other Banks ATMs in Greece and abroad: 4.1 withdrawal from account (DIASNET CIRRUS/MAESTRO- Master): Amounts up to Amounts from 391 to Amounts form 491 to Amounts over % on the amount withdrawn 4.2 Account balance enquiry via other banks ATMs (DIASNET) 0.14 ETHNODeposit -deposit card (Business / Corporate Banking) 1. Issuance and use of ETHNODeposit cards 2. Issuance of detailed statements with ETHNODeposit cards (at the Branch / via Internet banking) [NBG Group Marketing and Communication Division] [Updated: 21/01/2016] 5 / 5

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