PRICING LIST ΑFFLUENT BANKING

Transcription

1 LIST (Valid from 11/08/2014) ΑFFLUENT BANKING WARNING :The current Price-List is subject to periodic review and is valid from the date mentioned above Page 1

2 C O N T E N T S PART A Price list for individuals and firms 1 CREDIT TRANSFERS -MONEY REMITTANCE page 3 2 PAYMENTS & STANDING ORDERS page 4 3 CHECKS page 5 4 FOREIGN CURRENCY page 6 5 OTHER SERVICES page 7 6 POSTAGE - TELECOMMUNICATION COSTS page 7 PART Β Price list for individuals 7 DEPOSIT ACCOUNTS page 8 8 CONSUMER CREDIT page 8 9 HOUSING CREDIT page 8 10 FOREIGN UCITS page 9 11 ALPHA TRUST UCITS page BOND page SECURITIES page 10 PART C Price list for firms 14 SIGHT ACCOUNTS page DOMESTIC VALUES FOR COLLECTION OR COLLATERAL page GUARANTEE LETTERS page FACTORING page FINANCING page FINANCING OF LARGE CORPORATE page IMPORTS page EXPORTS page 14 A P P E N D I X Appendix 1CREDIT CARD PRICE LIST page 15 Appendix 2DEBIT CARD PRICE LIST page 15 Appendix 3PREPAID CARD page 15 Appendix 4BANCASSURANCE PRODUCTS page Appendix 5LEGAL AND TECHNICAL FEES page Appendix 6SPECIAL PRICELIST FOR MILITARY, SECURITY FORCES page 21 Appendix 7PACKAGES - PAYROLL page 22 PACKAGES - EPILEKTON page 23 PACKAGES - G-Club Neon page 24 PACKAGES - GENIKI Doctor Package page 24 PACKAGES -GENIKI Pharmacist Package page 24 Appendix 8 E-BANKING and Phone Banking PRICELIST page Appendix 10CUSTOMER COMPLAINTS page 26 Page 2

3 PART A INDIVIDUALS and FIRMS 1 CREDIT TRANSFERS - MONEY REMITTANCE Minimum Maximum 1.1 OUTGOING CREDIT TRANSFERS ΤΡΟΠΟΣ ΕΙΣΠΡΑΞHΣ Transfer of funds in Euro inside EU 1. Between GBG Branches General Bank client with account debit Κ/Κ ΑΥΤ ,20 6,00 120,00 with cash hand-over Κ/Κ ΑΥΤ ,00 150, non client 2. From GBG Branch to another banks Branch STP with SHA option up to ICOMPAY, KAT 560 flat fee 10 from 1.000, ,00 ICOMPAY, KAT 560 2,00 15,00 300,00 ICOMPAY, KAT 560 from ,01 and up 2,00 15,00 300,00 plus 15 transmission fees STP with OUR option up to ICOMPAY, KAT 560 flat fee 15 from 1.000, ,00 ICOMPAY, KAT 560 2,50 20,00 300,00 ICOMPAY, KAT 560 from ,01 and up 2,50 20,00 plus 15 transmission fees 300, Transfer of funds or money remittance with SAME DAY VALUE ICOMPAY, KAT 560 Extra charge INCOMING CREDIT TRANSFER One off charge for incoming credit transfer of funds with SHA/BEN option up to 12,500 ICOMPAY, KAT 562 4,00 from 12,500 up to ICOMPAY, KAT 562 6,00 from 50,000 ICOMPAY, KAT , MONEY REMITTANCE One off charge for outgoing money remittance up to in cash only for GENIKI Bank ICOMPAY 20,00 clients Transfer of funds in Euro outside EU One off charge for incoming money remittance up to in cash 1.4 ADDITIONAL CHARGES Extra charge for non Straight Through Processing (Payment order which is not in compliance with the specifications of automated payment channels) ICOMPAY, KAT Alteration, cancellation, return of outgoing Credit Transfers/Money Remittance according KAT ,00 to clients request 1.6 One off charge for card payment of another Greek bank (D) with account debit ICOMPAY 2,00 with cash hand-over 3, Loan TR A. Credit Transfer is a payment initiated by the payer. The payer sends a payment instruction to his payment service privider to transfer the funds to the payees payment account in the payees bank. NOT ALLOWED EXCEPT IF THEY OPEN AN ACCOUNT Extra charge transmission fees B. Money Remittance is a simple payment service that is usually based on cash provided by a payer to a payment service provider, which remits the corresponding amount to a payee or to another payment service providor acting on behalf of the payee. C. Postage, telecommunication costs, etc that emerge from the transaction, to be collected in excess. D. The fees are for Credit Cards of Banks that participate to the Diastransfer System. ICOMPAY ICOMPAY 25,00 Extra charge 10 Page 3

4 2 PAYMENTS & STANDING ORDERS Minimum Maximum (VAT 23% is collected) 2.1 Payments of DEKO & other public sector payments EYDAP * Standing order ΑΥΤ (KAT) 766 0,40 * Credit card/call Center ΑΥΤ (KAT) ,30 VODAFONE * Payment/online ΑΥΤ (ΕΙΣΠΡ ΠΛΗΡ) ,00 Payments of Emergency economic contribution of natural persons, ETAK indivuduals ICOMPAY Payments concerning employer date of contribution apply after to the IKA 25th (Social day of Security the month Contribution KAT 611, ΕΡΓ.ΤΡ ,00 Payments concerning periodical VAT declaration ICOMPAY Payments concering OAEEdate of apply after the 25th day of the month 10, Standing Orders ABBOTT LABORATORIES HELLAS, ACS COURIER, ACTION AID, ALLIANZ AEGA, BMW AUSTRIA BANK, BOOKING COM, BRING'S SECURITY, CITIBANK INTERNATIONAL VISA & MASTERCARD, COSMOTE, CREDICOM CONSUMER FINANCE, CYTA HELLAS, ΕLPEDISON ΕΜΠΟΡΙΚΗ ΕNERGA, EUROLEASE FLEET SERVICES, FGA BANK GMBH, FGA CAPITAL HELLAS AEEO, FORTHNET, G4S SECURE SOLUTIONS SA, G4S TELEMATIX, GENERAL HELLAS, GENERAL LIFE, GOODYEAR DUNLOP, GREEK ENVIRONMENTAL ENERGY NETWORK, GREENPEACE HELLASFON NETWORKS, HELLAS POWER, HERTZ AUTOHELLAS, HOLMES PLACE, IATA BSP, IATA CASS, ING GENERAL INSURANCE, ING LIFE, INTERAMERICAN LIFE, INTERAMERICAN DAMAGES, INTERASCO, INTERNATIONAL LIFE GENERAL INSURANCE, INTERNATIONAL LIFE INSURANCE LEASPLAN HELLAS, METLIFE ALICO, MICHELIN, MULTICHOICE-NOVA, PIERRE FABRE HELLAS, REVMAena, SFS HELLAS FINANCE LEASE & TRADE-BMW FS, SFS HELLAS FINANCE CONSUMER, SFS HELLAS FINANCE LEASE & TRADE FIREN, SFS HELLAS FINANCE LEASE & TRADE SERFIN SPARTAN SECURITY, TEC HELLAS, TELLAS AE, UNICEF, VIVODI TELECOM, VOLKSWAGEN BANK, WATT & VOLT, WWF HELLAS, MINETTA Life, ATLANTIKI ENOSI, DOCTORS WITHOUT BORDERS, DIETHNIS ENOSIS, ETHNIKI ASFALISTIKI, INSURANCE GROUPAMA PHOENIX, EPAGELMATIKO TAMEIO ASFALISIS OIKONOMOLOGON, THESSALIA GAS SUPPLY, THESSALONIKI GAS SUPPLY, THESSALONIKI WATER SUPPLY & SEWERAGE, EUROPEAN UNION, MINETTA GENERAL INSURANCE EUROPAIKI PISTI, HRON THERMOHLEKTRIKI, OTE YOUTH ACOUNTS, OTE, OTE LARGE CLIENTS, PASOK, PROMHTHETIKOS KAI KATANALOTIKOS SYNETAIRISMOS ASTYNOMIKON ATTIKIS, PROMITHETIKOS, KATANALOTIKOS AND TOURISTIKOS SYNETAIRISMOS OSE, MARATHONA MINICIPALITY TAMEIO EPAGGELMATIKIS ASFALISIS GEOTEXNIKON, XAMOGELO TOY PAIDIOU, DAS HELLAS, PALLINI MUNICIPALITY, LEROU MUNICIPALITY, NEA ODOS, HRS MOBILE, DEH,HELLASPRODUCTS, NOVARTIS (Hellas), VRILISION MUNICIPALITY, VODAFONE-PANAFON Water Supply and Sewerage Company Bills AGIOU NIKOLAOU CRETE, AIGIOY, ALEXANDROUPOLI, BOREIOU AXONA CHANION, EDASSA, ERETRIA, THERMI, THYRA, KAVALA, KALYMNOU, KARDITSA, KASTORIA, KATERINI, CORFU, KORINTHOS LAMIA, LARISA, LEROS, LOUTRAKI, MESOLOGGI, MINOA PEDIADAS, LESVOU, XYLOKASTRO, RODOS, SERRES, SPARTI, SYKIONION, TRIKALA, TRIPOLI, CHANIA, SIMI, KOS, HGOUMENITSA, AGIAS, PAIONIAS, PELLAS Payments ERGODOTIKES EISFORES IKA, OAEE, ERGOSIMO IKA-ETAM, ERGOSIMO OGA, OTE OIKIAKOI PELATES, ΟΤΕ LARGE CLIENTS, COSMOTE, KTHMATOLOGIO, ΦΠΑ, DILOSI AP FOROU, TAX EISODIMATOS NOMIKON PROSOPON, PLIROMI TELON KAI EIDIKON TAX, TELI KYKLOFORIAS BEBAIOMENES OFEILES DOY, Ε-PARABOLO, DINAMIS AEGA, ΑΚΕP, CROMAR INSURANCE, ΕΒΕΑ, KROPIA MUNICIPALITY, AEPI ΑΕ, HENKEL HELLAS, TEC HELLAS, ΕTHNIKI ASFALISTIKI, AIG HELLAS, CHARTIS INSURANCE, AIGAION ASFALISTIKI, REVMAena, DIETHNIS ENOSIS ATHENS CHAMBER OF TRADESMEN, GROUPAMA FOINIX, CENTRAL UNION CHAMBERS, ETHNIKI INSURANCE EYEL PENSION, ACS ATHENS, TSAY HEALTH WORKERS PENSION & SELF INSURANCE FUND, FGA INSURANCE HELLAS, EETT, EMPORIKI RENT, ELPEDISON EMPORIKI, MY DIRECT INSURANCE G4S TELEMATIX, GREEN ENVIRONMENTAL, ΜΙΝΕΤΤΑ AEGA, HRON THERMOHLEKTRIKI, Β.KAYKAS, EVIMA INSURANCE, PAPAKI EPE, NP INSURANCE, WATT VOLT, ERGO INSURANCE, MUNICIPALITIES XERSONISOU & LARISA, YDROGEIOS INSURANCE, PIRELLI, MUNICIPALITY SARONIKOU MUNICIPALITY OF THESSALONIKI, EUROPE AEGA, WORLD BRIDGE, CHAMBER OF KORINTHOS, ELASTPAK, SFS HELLAS FINANCE SERFIN, FIREN, BFS, VOLKSWAGEN BANK, TELLAS, VIVODI, INTERAMERICAN LIFE, INTERAMERICAN DAMAGES, ACTION AID, PLAISIO,CHAMBER OF ARGOLIDAS HELLAS POWER, GREENPEACE, BMW AUSTRIA BANK, MULTICHOICE, VIVA PAYMENTS, AE GENERAL INSURANCE EUROPAIKI PISTI, CREDICOM, HELLAS FINANCE, PASOK, FGA ΒΑΝΚ, SPARTAN SECURITY, BRINKS SERVICES, ENERGA POWER TRADING, AXA GENERAL INSURANCE HELLASFON NETWORKS, MICHELIN, ALLIANZ ΗΕLLAS ISA., GENERALI HELLAS, INTERNATIONAL LIFE, INTERNATIONAL LIFE GENERAL INSURANCE, INTERASCO, ATLANTIC UNION, ΙΑΤΑ BSP, IATA CASS, ETAO, ON TELECOMS, NET ONE, TEAGE, ING LIFE, INTERNATIONAL OFFICE SECURITY GERMAN SCHOOL IN ATHENS, OTE-INVOICES, INDUSTRIAL CHAMBER OF THESSALONIKI, HRS MOBILE, DEI, COCA COLA, VRILISION MUNISIPALITY, HELLAS PRODUCTS, INTERLIFE INSURANCE COMPANY CLIENTS, INTERLIFE INSURANCE COMPANY NETWORK, CNP SECURITY COMPANY LTD GREEK LOTTERY SA., ΙΟΑΝΝΙΝΑ CHAMBER, KEAO, OPAP DIADIKTIO, MUNICIPALITY MARATHONA, TEA-EAPAE, CNP LIFE, CNP PRAKTORIAKI S.A. Water Supply and Sewerage Company Bills CORFU, AIGIOY, THESSALONIKI, XYLOKASTRO, KAVALA, VEROIA, LOYTRAKI, PREVEZA, MESOLOGGI, SERRES, THIRA, SPARTI, ERETRIA, KORINTHOS, KASTORIA, EDESSA, MINOA PEDIADA, THERMI, SIKIONION, CHANIA, SIROY, XORTIATI, MYKONOY, PAGGAIOY, SITIA PAROY, MITILINIS, TRIPOLI, LARISA, TRIKALA, ALEXANDROUPOLI, LAMIA, KARDITSA, KATERINI, BOREIOU AXONA CHANION, FLORINAS, KALIMNOY, DRAMAS, NAYPLIOU, NAFPAKTOY, MEIZONOS VOLOU, CHALKIDA, HRAKLEIO, SIMI, LEROU, KO, AGIAS, HGOUMENITSAS, PELLAS, PAIONIAS 2.4 Transfer amendment / cancellation of payments/standing orders KAT , One off Cost of Standing Order for Fund Transfer in GENIKI Bank account (Α) ΑΥΤ (KAT) ,00 A. The once-off standing order expense for fund transfer will be collected by charging the customer once the first time of finalization Page 4

5 3 CHECKS Minimum Maximum Check book issue containing: 15 checks ΚΑΤ ,00 30 checks ΚΑΤ , Bank check issue payable to self * by debiting principal's bank account * by cash payment Κ/Κ ΑΥΤ ,00 250,00 Κ/Κ ΑΥΤ 9416, 9417, 9600 payable to third party * by debiting principal's bank account ,00 100,00 * by cash payment Κ/Κ ΑΥΤ 9416, 9417, ,00 - -to the order of Bank of Greece, Public Authorities, State Lottery Department -for amounts that come from bank credit (in accordance with Monetary Authorities regulations) -for amounts that come from settlement of Repos, Swaps, Government securities, UCITS units -in case that the branch is unable to pay in cash the amount requested 3.2 Redemption of Geniki bank checks BANK CHECKS, issuing from Geniki Bank branches PRIVATE CHECKS, drawn on Geniki Bank branch: (drawn on sight accounts, current accounts or open accounts) * self bearer (beneficiary or co-beneficiary of deposit account) * third person bearer 3.3 Cash payment of other banks checks BANK CHECKS, issuing from other bank branch * DHSSE ΕΡΓ.ΤΡ ,00 ΕΡΓ.ΤΡ * out of DHSSE 4 9, PRIVATE CHECKS, drawn on other bank branch (drawn on sight accounts, current accounts or open accounts) * DHSSE ΕΡΓ.ΤΡ ,00 * out of DHSSE ΕΡΓ.ΤΡ , Bank check or private check in Euro from abroad * in Eurozone Κ/Κ ΑΥΤ ,00 * out of Eurozone Κ/Κ ΑΥΤ , Other banks checks deposit on customer account out of DHSSE-one off fee Other banks checks deposit on customer account with DHSSE 3.4 Stop payment (after having declared lost or stolen) ΕΡΓ.ΤΡ ΑΥΤ (KAT) 1637,1636 ΑΥΤ (KAT) Block check upon customers request 30,00 ΑΥΤ (KAT) One off charge for Check cancellation due to drawer fault 5, One off charges for check returned unpaid BATCH (ΧΟΡ & KAT) /ΔΗΣΣΕ, 16344/ΓΣ 30,00 2,00 30, Unconfirmed balance to cover check amount BATCH (KAT) , Check stamped unpaid For checks issued by our clients costs are charged to the issuer of the check ΚΑΤ 568, ΧΟΡ 207, ΕΡΓ.ΤΡ , For private clients checks issued by other banks in Greece costs are charged to the bearer ΚΑΤ 568, ΧΟΡ 207, ΕΡΓ.ΤΡ , Teiresias information about unpaid check payments KAT ,00 A. Fixed charges and commissions on checks to be collected per item. B. No commission collected on purchasing bank checks, issuing from other bank, in case that the amount concerned is to be placed in repos, government securities, UCITS units, under the condition that: 1. Placing duration is greater than the expected valeur for our bank account to be credited with check amount. 2. Placing is cancelled in case that check return unpaid. C. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transaction, to be collected in excess of the related charges. Page 5

6 4 FOREIGN CURRENCY 4.1 OUTGOING CREDIT TRANSFER IN FOREIGN CURRENCY Minimum Maximum STP with SHA/BEN option ICOMPAY 3 15,00 300,00 plus 15 transmission fees STP with OUR option ICOMPAY as above plus transmission fees Transfer of funds or money remittance with SAME DAY VALUE Extra charge INCOMING CREDIT TRANSFER IN FOREIGN CURRENCY One off charge for incoming credit transfer of funds with SHA/BEN option ICOMPAY, ΚΑΤ ADDITIONAL CHARGES up to 12,500 4,00 from 12,500 up to ,00 from 50,000 10,00 Extra charge for non Straight Through Processing (Payment order which is not in compliance with the specifications of automated payment channels) ICOMPAY extra Bank check issue in foreign currency ΑΥΤ (K/K) 9113,9117,9118, 9119,9198,9202,9294,9295,9296, 9115, 9120, payable to self * by debiting principal's bank account 9200, 9290, 9300, ,00 ΑΥΤ (K/K) 9113,9117,9118, 9119,9198,9202,9294,9295,9296, 9115, 9120, * by cash payment- max amount , 9290, 9300, ,00 ΑΥΤ (K/K) 9113,9117,9118, 9119,9198,9202,9294,9295,9296, 9115, 9120, payable to third party * by debiting principal's bank account 9200, 9290, 9300, ,00 ΑΥΤ (K/K) 9113,9117,9118, 9119,9198,9202,9294,9295,9296, 9115, 9120, * by cash payment- max amount , 9290, 9300, ,00 Κ/Κ ΑΥΤ 9123, Cash payment of checks in foreign currency (to be collected) 3 3, Foreign bank notes Buying bank notes ΣΥΝΑΛ/ΑΥΤ 9101,9106,9107,9177, ,00 Selling bank notes ΣΥΝΑΛ/ΑΥΤ 9103, 9104, , Τraveller's check Buying: Traveller's cheques Κ/Κ ΑΥΤ , Values for collection from / to abroad Κ/Κ ΑΥΤ 9144, 9147, 9162, 9163, 9164, ΕΡΓ.ΤΡ Unpaid check Κ/Κ ΑΥΤ 9356, 9367, 9358, ΕΡΓ.ΤΡ Withdrawal from foreign currency account ΕΡΓ.ΤΡ , Forward foreign currency transactions ΕΡΓ.ΤΡ , Commission on Foreign currency transactions (B) ΕΡΓ.ΤΡ ,10% 6,00 50,00 A. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transaction, to be collected in excess of the related charges. B. What is concerned Foreign currency transactions (4.10), commission is not collected: α. for withdrawals in Euro from accounts in Foreign currency β. for transactions of purchase or sale of foreign banknotes C. The identification BEN used in outgoing credit transfers involves currencies outside the European Union. Page 6

7 5 OTHER SERVICES 5.1 Issue of Confirmations, Certificates, Letter of Introduction Confirmations for Certified Charted Accountants ΚΑΤ 563,ΧΟΡ ,00-50,00 Letter of Introduction for Public Services, Chambers, Universities ΚΑΤ 563,ΧΟΡ ,00 Confirmations of stocks hold in pledge ΚΑΤ 563,ΧΟΡ ,00 Issuance of lending letter ΧΟΡ 210, ΚΑΤ , Legalization of natural persons (heirs) For each heir ΚΑΤ 893, ΕΡΓ.ΤΡ ,00 For each bank account ΚΑΤ 893, ΕΡΓ.ΤΡ , Legalization of natural persons by proxy ΚΑΤ ,00 Renewal of proxy ΚΑΤ , Publications to Bank branches concerning: Abeyant heritage * to the web of branches ΕΡΓ.ΤΡ ,00 * to a specific branch ΕΡΓ.ΤΡ ,00 Loss of checks, bank books, certificate of deposits ΕΡΓ.ΤΡ , Copy of list of transactions derived from bank's files Research of evidence within current year ΚΑΤ 577, ΧΟΡ 209, ΕΡΓ.ΤΡ ,00 reasearch of evidence beyond current year ΚΑΤ 577, ΧΟΡ 209, ΕΡΓ.ΤΡ , Expenses for copies/information derived from the bank's files (per file) ΚΑΤ 577, ΕΡΓ.ΤΡ ,00 ΚΑΤ 577, ΕΡΓ ΤΡ Copy of check 10, ΚΑΤ 655, ΕΡΓ. ΤΡ ,00 Fees for issuing Loan Status for Consumer, Mortgage and Business Loans 5.8 Hire of Safe Deposit Boxes (A) Small size (annual lease) KAT 635, ΕΡΓ.ΤΡ , Medium size (annual lease) KAT 635, ΕΡΓ.ΤΡ , Big size (annual lease) KAT 635, ΕΡΓ.ΤΡ , Lump sum paid as guarantee (to be collected at the date of hiring) 40, Key loss ΕΡΓ.ΤΡ , Once off expenses of Deposit to third party account free of charge Once off expenses of Transfer to third party account free of charge 5.12 Cost for e-pass renewal (VAT is included) ΑΥΤ (ΕΙΣΠΡ ΠΛΗΡ) , Diners Club fees A. The above safe deposit costs are charged with VAT KAT 667 calculated from Back office 6 POSTAGE - TELECOMMUNICATION COSTS POSTAGE 6.1 Mailing through ELTA (Hellenic Post Offices) Inward mail * common ΚΑΤ 204, ΕΡΓ. ΤΡ ,50 * registered or express ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 * registered and express ΚΑΤ 204, ΕΡΓ. ΤΡ ,50 Outward mail European countries * common ΚΑΤ 204, ΕΡΓ. ΤΡ ,50 * registered or express ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 * registered and express ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 other countries * common ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 * registered or express ΚΑΤ 204, ΕΡΓ. ΤΡ ,50 * registered and express ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 Mailing through courier Inward mail through A.C.S mailing within Attica ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 mailing to the rest of the country ΚΑΤ 204, ΕΡΓ. ΤΡ ,00 Outward mail through D.H.L ΚΑΤ 204, ΕΡΓ. ΤΡ prices of D.H.L +20% TELECOMMUNICATION COSTS 6.2 Phone call Inward, other city ΕΡΓ. ΤΡ ,50 Outward European countries ΕΡΓ. ΤΡ ,50 other countries ΕΡΓ. ΤΡ , SWIFT transmission Inward / Outward (message) ΕΡΓ. ΤΡ , MCI 15,00 Letter of Credit opening European countries MCI 30,00 other countries MCI 36, Fax transmission Inward per page ΕΡΓ. ΤΡ ,00 European countries per page ΕΡΓ. ΤΡ ,00 other countries per page ΕΡΓ. ΤΡ ,50 Page 7

8 7 DEPOSIT ACCOUNTS 7.1. Account Statement -extrait (monthly fees) PART B INDIVIDUALS 7.2 Once off charge of account statement reissuing (through RM-eportfolio) monthly ΑΥΤ (ΚΑΤ) 1532, 1531, ,00 weekly (charges per month) ΑΥΤ (ΚΑΤ) 1532, 1531, ,00 daily (charges per month) ΑΥΤ (ΚΑΤ) 1532, 1531, ,00 <3months From 4-24 months ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ ,20/per page for >1 page >24months ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ ,20/per page for >1 page 7.3 Letters regarding inactive accounts (N.4151) Registered ΚΑΤ ,64 Common ΚΑΤ , Transactions (A): GENIKI Cash 365 Maestro holders at ATM of GENIKI Bank and Piraeus Bank GENIKI Cash 365 Maestro card holders at ATM of other banks except Piraeus Bank through other banks ATMs in and out of EC: BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawals (maximum charge 3.00) 1,55 + 0,5% balance question BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 0,60 through other banks ATMs in Greece (DIAS) BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawal ,55 + 0,5% BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291, ,20-2 BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawal of ammount 250 1,18 BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 balance question 0,19 Notes A. What is concerned the fee on transactions through other banks ATMs in and out of EC the third party expenses are included (other Banks and DIAS) 8 CONSUMER CREDIT 8.1 Consumer Loans Once off expenses for approval of consumer loan Once off expenses for approval of consumer loan without pre-notation Once off expenses for approval of consumer loan with prenotaion* AYT ΧΟΡ 101 AYT ΧΟΡ ,00 400, Geniki open credit Once off expenses for approval of consumer loan AYT ΧΟΡ 101 Yearly expenses for covering the increased operational expenses and for monitoring the relevant risk BATCH (XOP) ,00 150,00 * Real Legal and/ or Technical costs to be paid by the client. For details : please refer to the appendix Π5 page 17 9 HOUSING CREDIT 9.1 Once off expenses for approval of loan (including cases of new loans and incoming transfers of loans) * AYT ΧΟΡ , Once off fee for change of loan security conditions (including pre-notice restriction or alteration)* KAT 592 (ΕΓΚΡ.ΑΙΤ/ΤΟΣ ΑΛΛΑΓΗΣ ΑΠΕΡΙΟ.ΑΡΣΗΣ ΠΡΟΣΗ.) 9.3 Once off expenses for application processing and approval of prenotation release after repayment of loan* ΕΡΓ. ΤΡ Once off expenses for application processing and approval of changing interest rate / transfer to another housing product ΕΡΓ. ΤΡ Loan transfer to other bank* (only legal expenses) * Real Legal and/ or Technical costs to be paid by the client. For details : please refer to the appendix Π5 300,00 150,00 300,00 Real costs Page 8

9 10A FOREIGN UCITS FOR RETAIL & AFFLUENT BANKING Subscription Fees % Redemption Fees % Foreign ucits portfolio market evaluation < 30,000 30,000 & < 100, ,000 the portfolio evaluation does not affect the below pricing scheme Short Term Money Market Funds Money Market Funds Short Term Bond Funds Government & IG Credit Bond Funds KAT 888 High Yield & Emerging Market Debt Bonds Funds Asset Allocation Funds Equity Funds Alternative Funds Β FOREIGN UCITS FOR PRIME AFFLUENT BANKING Subscription Fees % Redemption Fees % the portfolio evaluation does not affect the below pricing scheme for foreign ucits Short Term Money Market Funds Money Market Funds Short Term Bond Funds Government & IG Credit Bond Funds High Yield & Emerging Market Debt Bonds Funds KAT 888 Asset Allocation Funds Equity Funds Alternative Funds Notes for 10A & 10B Α. Αs % of the subscription and redemption amount Β.Minimum amount for subscription for Foreign UCITS is 1,000 / $1,000/ 1,000/ 110,000 C. The cut-off for foreign ucits are set as following: 1) ΟΣΕΚΑ/UCITS Amundi: 12:30μ.μ./p.m. 2) ΟΣΕΚΑ/UCITS Schoders: 11:30π.μ. /a.m. 3) ΟΣΕΚΑ/UCITS Pioneer: 14:30 4) ΟΣΕΚΑ/UCITS Lyxor INTL Asset Management (Calypso): 11:00π.μ /a.m Page 9

10 11 ALPHA TRUST UCITS Subscription Fees Redemption Fees Transfer Fees EQUITIES up to 9999,99 2,00% up to ,99 1,50% up to ,99 1,00% 0,00% up to ,99 0,50% 1,00% up to 0,00% (stay up to 2 years) BALANCED 0,50% 0,00% up to 9999,99 1,25% (stay more than 2 years) up to ,99 1,00% up to ,99 0,50% 0,30% up to 0,00% BOND up to 9999,99 0,75% 1,00% (stay up to 90 days) up to ,99 0,50% 0,00% up to ,99 0,20% 0,50% (stay more than 90 days) up to 0,00% MONEY MARKET 1,00% 0,00% (stay up to 30 days) 0,00% 0,00% (stay more than 30 days) Α. Subscription fees for Strategic Bond Fund are the same with with those for Balanced UCITS and redemption fees the same with those of Bond UCITS. B. No redemption fees are charged for Money Market UCITS, irrespective of stay period, in the cases that the redeemed title is not the outcome of a transfer. C. New client transfering for first time from Money Market Domestic UCITS to another category of UCITS is charged for the respective subscription fees but not for the redemption fees. D. No fees for subscription& transfer to UCITS Saving Plans in case that monthly deposits are paid through standing order from a deposit account & credit card. E. No redemption fees applied for Saving Plans redemptions after 6 years of the client's first subscription. For Saving Plans redemptions during the first 6 years,a subscription fee of max 1% is applied. F. Value date for transfer to a new UCITS: Domestic, the day after transaction date. Foreign, 3 days after transaction date. Money Market, same day Value date for payment (redemption case): Equities, Balanced, Bond three days after date of redemption. Money Market, the day after redemption date.. 12 BONDS Execution fees for participation/redemption:* Ιncluded in Bond s price. For Large Corporates,5bps 25 bps 13 COMMISSIONS FOR TRANSACTIONS ON LISTED SECURITIES IN THE ATHENS STOCK EXCHANGE EXECUTION BY PIRAEUS SECURITIES S.A. % on the transaction value Minimum Fee/Order Maximum Fee/Order 13.1 Commission for order execution in favor of Piraeus Securities S.A. (includes ATHEX fees and transfer expenses) KAT 177 0, Commission in favor of GENIKI Bank KAT Commission in favor of GENIKI Bank ONLY for Prime Affluent Banking clients KAT 177 0,3 5 - Α. Any valid taxes will be applied on top of the above mentioned commissions. Page 10

11 Account Administration fees (monthly) PART C FIRMS SIGHT ACCOUNTS/ORGANIZATIONS & ENTERPRISES EMPLOYEES PAYROLL Minumum BATCH (KAT) 1519 interest free account 10,00 interest bearing account BATCH (KAT) , Transactions (Α) GENIKI Cash 365 Maestro holders at ATM of GENIKI Bank and Piraeus Bank GENIKI Cash 365 Maestro card holders at ATM of other banks except Piraeus Bank through other banks ATMs abroad ( EC and other countries) BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawals (charges up to 3.00) 1,55+0,5% balance question BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 0,60 through other banks ATMs in Greece (DIAS) BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawals ,55+0,5% BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291, ,20-2 BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 withdrawal of ammount 250 1,18 BATCH (KAT) 757, 875, 739, 876, 738, 793, BATCH (ΧΟΡ) 148,149, 291,293 balance question 0, Account statement - extrait (monthly fees) monthly ΑΥΤ (ΚΑΤ) 1532, 1531, ,00 weekly ΑΥΤ (ΚΑΤ) 1532, 1531, ,00 daily ΑΥΤ (ΚΑΤ) 1532, 1531, , Once off charge of account statement reissuing (through RM-eportfolio) <3months From 4-24 months ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ free of charge ,20/per page for >1 page >24months ΚΑΤ 578, ΧΟΡ 209, ΕΡΓ. ΤΡ ,20/per page for >1 page 14.5 Issuing & modification of legalization document (it may include real legal costs)* ΚΑΤ 564, ΧΟΡ 211, ΕΡΓ. ΤΡ , Collections payments from Professionals VAT 23% 14.7 Collection payments from professionals VAT 16% ΕΡΓ.ΤΡ ΕΡΓ. ΤΡ Organizations and enterprises payroll (Commission is collected per account credited) Credit of Accounts through electronic means (electronic file transfer) ΕΡΓ.ΤΡ , ΚΑΤ 826, KAT ,30 manually ΕΡΓ.ΤΡ , ΚΑΤ 826, KAT ,00 A. Concerning the transactions through other banks' ATMs, third parties' fees (other Bank's and DIAS) are included 15 DOMESTIC VALUES FOR COLLECTION OR COLLATERAL Minimum Maximum 15.1 Post-dated checks for collection or collateral (charges per item) BATCH (ΧΟΡ & ΚΑΤ) 16085,16084,16086, Mailing expenses 30, Commission for excess of duration or dispersion of a post-dated check ΧΟΡ 493, ΚΑΤ ,00 / check 15.3 Extension of due date of bills ΧΟΡ 205, ΚΑΤ , Change of payment place ΧΟΡ 207, ΚΑΤ 568 9, Value returned unpaid 15, Extension of post dated checks ΧΟΡ 493, ΚΑΤ ,00 /per item 15.7 Management of bill of exchanges collaterals A. Values commissions and charges are to be collected at the date submited and are non refundable B. Regulated charges are to be collected in case of protest of values C. Value date for depositing amounts that come from payment of bills or bills of exchange: ΚΑΤ 574 α. Collection in the same city 2 business days after collection date β. Collection in other city 3 business days after collection date γ. Collection through correspondent 3 business days after correspondents value date D. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transaction, are to be collected in excess of the related charges 15,00 /per item Page 11

12 16 GUARANTEE LETTERS Minimum ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) Participation bond 7,5 60,00 ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) To Bank of Greece, Customs, forwarding agencies (cases of interim) 7,5 60, Good contractual performance bond ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 80,00 duties, etc ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 80, Collection of advance payment bond ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,00 to EOT for tourist agency operating licence ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 45,00 to Tax Offices, OPAP ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 45,00 to Agricultural Bank of Greece for tobacco traders ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 30,00 to DIDAGEP for subsidy discount ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 30, Issue of Credit Ability Letter ΚΑΤ , Letters of Guarantee in foreign currency Participation bond ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,00 Good contractual performance bond ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 110,00 Collection of advance payment bond ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) , Issue of Guarantee Letter against Guarantee Letter from abroad ΕΓΓ (ΧΟΡ) 14000, 14001, 14015,14007,14008, ΧΟΡ 295, BATCH (XOP) ,5 90, Amendment of Guarantee Letter euro ΚΑΤ ,00 foreign currency ΚΑΤ , Forefeiture of Guarantee Letter ΧΟΡ ,00 A. Commission on Guarantee Letter to be collected per quarter. Commission on Guarantee Letter to Agricultural Bank of Greece for tobacco traders to be collected per month. B. Commission on issuing Guarantee Letter in foreign currency is estimated on the equivalent in domestic currency amount determined by the selling price of specific foreign currency according to daily bulletin C. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transactions, to be collected in excess of the related charges. 17 FACTORING VSB Small Medium Large 17.1 One-off cost of testing and approval request lending AQUARIUS 500,00 700, , , One-off cost of testing a specific request for renewal limit (changing discount rate debtor, a significant increase in levels discount) AQUARIUS 300,00 400,00 600, , One-off cost of testing the solvency of debtors (per debtor) AQUARIUS Cost management requirements AQUARIUS 1,5% 17.5 Claims management costs per unit AQUARIUS 20 Cost reimbursement requirements (credit) due to cancellation, equalization, etc. discount 17.6 (per piece) AQUARIUS 20 Page 12

13 18 FINANCING Professionals & VSB Small Medium 18.1 Once off expenses for loan approval (including cases of new loans and incoming transfers of loans) * Financing for Working Capital (euro or foreign currency) for amounts up to for amounts for amounts between for amounts between for amounts between for amounts and over Loan for fixed assets, equipment (euro or foreign currency) for amounts up to for amounts between and up to for amounts between and up to for amounts between and up to for amounts between and up to for amounts and over GENIKI Anoiichtos Logariasmos 200,00 500, , , , , ,00 800, , , , , ,00 700, ,00 Priviliged Sight Account 300,00 700, , ,00 300,00 400, Annual expenses for renewals of loan limits for amounts up to ΧΟΡ 212, ΚΑΤ ,00 500,00 500, Once off expenses for special customers requests Annual cost of examination and approval of the request for renewal of GENIKI Anoichtos Logariasmos's limit/ Privileged Sight Account/SMEs Quarterly overdraft management fees GENIKI Anoixtos Logariasmos with 3m recycling/privileged sight account with overdraft and 3m recycling/vsb for amounts from ΧΟΡ 212, ΚΑΤ , , ,00 for amounts from and over ΧΟΡ 212, ΚΑΤ , , ,00 Once off expenses for approval of request of extension of loan duration in foreign currency Once off expenses for approval of request of alteration of currency of loan granted in foreign currency BATCH (KAT) 1542 BATCH (KAT) 1542 ΕΡΓ. ΤΡ ΧΟΡ, 247, ΚΑΤ ,00 250,00 250,00 160, Once off expense for assigment of invoices at the disbursement ( % per invoice amount) ΧΟΡ 248, ΚΑΤ % (min 10) 18.8 Once off expense for assigment of contracts ( % per contract amount) For actions invoiced For actions not invoiced ΧΟΡ 248, ΚΑΤ 566 ΧΟΡ 248, ΚΑΤ % (min 50,00, max 500,00) 0.8% (min 75,00, max 750,00) for outstanding balance < (min 250,00, max 500,00) 18.9 Once off expense for approval of restructuring/rescheduling due debts KAT 1082, ΧΟΡ 219 for outstanding balance (min 500,00, max 2.000,00) for outstanding balance (min 2.000,00, max 5.000,00) for outstanding balance > (min 5.000,00, max ,00) Loan transfer to other bank real costs Once off expense of executing transfer orders/disbursements from loan account (per transfer) ΑΥΤ (ΧΟΡ) 143, 144,145 20,00 50,00 50, Costs of early, total or partial, repayment of business loans ΧΟΡ 249, ΚΑΤ 567 calculated based on contract Once off expenses for organization, administration, participation of bilateral bonds or syndicated medium term /bond loans βλέπε ενότητα από 18.4 έως 18.8 Χρηματοδοτήσεις Μεγάλων Επιχειρήσεων * Real Legal and/ or Technical costs to be paid by the client. For details : please refer to the appendix Π5 19 FINANCING OF LARGE CORPORATE One off expenses of examining ther renewal of the financing ΧΟΡ 212, ΚΑΤ One off expenses for special customers requests 19.3 Once off expense for approval of restructuring/rescheduling due debts ΧΟΡ 219, KAT for outstanding balance < (min 250,00, max 500,00) for outstanding balance (min 500,00, max 2.000,00) for outstanding balance (min 2.000,00, max 5.000,00) for outstanding balance > (min 5.000,00, max ,00) 19.4 One-off costs of organizing bilateral or medium-term bonds (in euro or foreign currency) KAT Annual administrative costs of bilateral or medium-term bonds (in euro or foreign currency) KAT One-off costs of organizing syndicated medium-term bonds, or (in euro or foreign currency) KAT 604 0,50%-1,00% 19.7 Annual expenditure management syndicated medium-term or bond (in euro or foreign currency) KAT One-off costs of participating in a syndicated medium-term or bond issues (in euro or foreign currency) KAT 606 0,20%-1,00% 19.9 Cost of inaction on drawn credit amounts for each type KAT 569 0,40%-1,00% Page 13

14 20 IMPORTS Minimum Values from abroad Docoumentary collection: * cash against documents MCI 5 40,00 * acceptance against documents MCI 5 40,00 plus 15 per title Bill of Exchange, Promissory Letters, Bills for settlement MCI 3 30,00 Partial payments, open account negotiation MCI 3 30,00 Values -free of charges- MCI 2 18, Delivery of documents to other bank MCI 2,5 30,00 (maximum commission 147) 20.2 Extension of value due date MCI 12, Return of value MCI 2 18, Letter of Credit / Advance Payment Order to abroad Opening MCI 2 30,00 Confirmation (Commission to be collected per quarter, at the beginning of each quarter) MCI 2 24,00 Guarantee: * for non covered Letter of Credit MCI 11 44,00 * for deferred payment Letter of Credit MCI 11 44,00 Settlement MCI 5 44,00 Amendment / Cancellation MCI 27, Commission for advance payment (estimated upon the whole amount of advance) MCI 5 40,00 MCI 20.5 Merchandise saving MCI 3 44, Transfer of commercial agent commission In case that agent keeps account with our bank Κ/Κ ΑΥΤ 9375, 9376, 9601, ,50 In case that agent does not keep account with our bank Κ/Κ ΑΥΤ 9375, 9376, 9601, ,00 (No commission for amounts less than 15) A. Documents partly based upon Letter of Credit issuing and partly for negotiation by cash / acceptance, are to be treated as separate items. In that case commissions and charges are to be collected for each item. B. Whenever it is requested, correspondent bank commisions and charges are to be collected. C. In case that money tied up in deposit account as cover for Letter of Credit issue, commission 11 is to be collected. D. Opening a Letter of Credit, an amount of 60 to be collected as cover against bank expenditures. E. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transaction, to be collected in excess of the related charges. 21 EXPORTS Values to abroad Documentary cillection %o Minimum * cash against documents MCI 3 24,00 * acceptance against documents MCI 3 24,00 MCI plus 15 per title Bill of Exchange, Promissory Letter, Bills for settlement 2 18,00 Values free of payment 2 16, Extension of value due date MCI 12, Return of value MCI 2 18, Letter of Credit / Advance Payment from abroad EE Countries Announcement MCI 1 15,00 Confirmation (Commission to be collected per quarter, at the beginning of each quarter) MCI 2 30,00 Settlement MCI 4 35,00 Other countries Amendment / Cancellation MCI 18,00 Transfer to other beneficiary MCI 4 45,00 Announcement MCI 1 15,00 Confirmation (Commission to be collected per quarter, at the beginning of each quarter) MCI 2 30,00 Settlement MCI 4 35,00 Amendment / Cancellation MCI 18,00 Transfer to other beneficiary MCI 4 45, Triangular Letter of Credit MCI 5 60, Issue of confirmation to Customs MCI 30, Reimport due to sell inversion MCI 60, Compensation of foreign exchange MCI 4 45,00 (plus commissions related to imports and exports) 21.4 Merchandise saving MCI 30,00 A. No commission on announcement of L/C, in case that commission on confirmation of L/C has been collected B. Whenever it is requested, correspondent bank commisions and charges are to be collected. C. Postage, telecommunication costs, SWIFT expenses, etc, that emerge from the transaction, to be collected in excess of the related charges. Page 14

15 Π1 GENIKI VISA ( Classic) CREDIT CARD PRICE LIST Annual fee prime card FDI 39,00 additional card FDI 18,00 Excess of credit limit (once-off commission on the excess amount) FDI 3,00% Cost of cash withdrawal at GENIKI Banks ATMs no charges Cost of cash withdrawal at an ATM outside GENIKI Bank (per withdrawal) FDI 1,00 GENIKI VISA Neon Annual fee free annual fees for the first year of studies no charges After the first year of studies FDI 39,00 Excess of credit limit (once-off commission on the excess amount) FDI 3,00% Cost of cash withdrawal at GENIKI Banks ATMs no charges Cost of cash withdrawal at an ATM outside GENIKI Bank (per withdrawal) FDI 1,00 GENIKI VISA GOLD Annual fee prime card FDI 70 additional card FDI 35 Excess of credit limit (once-off commission on the excess amount) FDI 3,00% Cost of cash withdrawal at GENIKI Banks ATMs no charges Cost of cash withdrawal at an ATM outside GENIKI Bank (per withdrawal) FDI 1,00 GENIKI VISA BUSINESS CARD Annual fee up to 3 (three) cards FDI 70,00 more than three cards FDI 50,00 Excess of credit limit (once-off commission on the excess amount) FDI 3,00% Cost of cash withdrawal at GENIKI Banks ATMs no charges Cost of cash withdrawal at an ATM outside GENIKI Bank (per withdrawal) FDI 1,00 GENIKI MASTERCARD Annual fee prime card FDI 39,00 additional card FDI 18,00 Excess of credit limit (once-off commission on the excess amount) FDI 3,00% Cost of cash withdrawal at GENIKI Banks ATMs no charges Cost of cash withdrawal at an ATM outside GENIKI Bank (per withdrawal) FDI 0,76 Once-off charge for card replacement/reissue in case of loss/theft Once-off charge for PIN reissue in case of loss/theft FDI FDI 6,00 3,00 Montly operational costs no charges Once off charge for reissuing of statements time period 1-12 months FDI 5,00 time period 1-24 months FDI 10,00 time period 1-36 months FDI 15,00 Charges for GENIKI Bank SMS Alerts From 0 to 9 messages (charges per month) For each additional message the monthly charges is extra 0,15 FDI 1,00 (monthly) Π2 Π3 DEBIT CARD PRICE LIST GENIKI MAESTRO CASH 365 Initial charges for issuing card Charges for reissuing of debit card in case of loss or theft GENIKI e-shopping Charges for issuing card Charges for charging/re-charging of card Charges for reissue / renewal Charges for discharging the card Charges for monthly statement PREPAID CARDS (upon clients request) ΚΑΤ 636, ΧΟΡ 637 ΚΑΤ 654, ΚΑΤ 872 FDI FDI FDI FDI no charges 8,00 5,00 1,5% (min 1,5 max 5) 5,00 2,00 1,25 Page 15

16 Π4 BANCASSURANCE PRODUCTS GENIKI Aneta (Geniki Aneta is a product of collaboration between Geniki Bank and CHARTIS Greece insurance company. ΚΑΤ ,00 GENIKI Stirixi Geniki Stirixi 1 Geniki Stirixi 3 Geniki Stirixi 5 Geniki Stirixi is a product of collaboration between Geniki Bank and the insurance company ING 24,00 36,00 56,00 Military Care Plan Military Care Plan 1 Military Care Plan 2 Military Care Plan 3 Military Care Plan 4 (Military Care Plan is a product of collaboration between Geniki Bank and CHARTIS HELLAS. GENIKI Merimna Plus GENIKI Merimna Plus A GENIKI Merimna Plus B GENIKI Merimna Plus C GENIKI Merimna Plus D ΚΑΤ 648 ΚΑΤ 648 ΚΑΤ 648 ΚΑΤ ,00 120,00 78,00 138,00 110,00 110,00 130,00 110,00 Geniki Merimna Plus is a product of collaboration between Geniki Bank and the insurance company ING Fire & Earthquake coverage for mortgage loans Fire & Earthquake coverage for houses Package PLUS NEW (building) Package PLUS NEW (content) Package GOLD (building) Package GOLD (content) ΚΑΤ 638 ΚΑΤ 638 ΚΑΤ 638 ΚΑΤ 638 ΚΑΤ 638 2,72/1.000 (min. value /sq.m) 2,45/1.000 (min. value /sq.m) 3,25/1.000 (min. value/sq.m) 2,65/1.000 (min. value /sq.m) 3,65/1.000 (min. value /sq.m) Fire & earthquake coverage for house content ΚΑΤ 638 Family Liability Coverage MINI RETAIL PLAN A PLAN B Doctors Liability Coverage PROGRAM 1 CATEGORY A CATEGORY B CATEGORY C PROGRAM 2 CATEGORY A CATEGORY B CATEGORY C PROGRAM 3 CATEGORY A CATEGORY B CATEGORY C PROGRAM 4 CATEGORY A CATEGORY B CATEGORY C Doctors categories CATEGORY A Surgeons of all specialties, anesthesiologists, gynecologists - obstetricians, radiologists radiology (diagnostic purposes), gastroenterologists CATEGORY B dentists, orthodentists CATEGORY C other specialties Doctors in practicing and doctors in agricultural duty are covered only with program 1. 30,00 19,00 49,00 68,00 220,00 180,00 90,00 280,00 240,00 190,00 630,00 550,00 330,00 840,00 720,00 450,00 Page 16

17 Π4 BANCASSURANCE PRODUCTS Pharmacies Liability Coverage PROGRAM 1 PROGRAM 2 70,00 85,00 Pharmacies fire & earthquake coverage for Business Premises WITHOUT EARTHQUAKE Building ΚΑΤ 638 Content with protection measures ΚΑΤ 638 Content without protection measures ΚΑΤ 638 WITH EARTHQUAKE COVERAGE Building ΚΑΤ 638 Content with protection measures ΚΑΤ 638 Content without protection measures ΚΑΤ 638 1/1.000 (min. value /sq.m) 2/1.000 (min. value/sq.m) 3/1.000 (min. value /sq.m) 2,30/1.000 (min. value /sq.m) 3,30/1.000 (min. value /sq.m) 4,30/1.000 (min. value /sq.m) Car insurance Package 'The Economical' ΚΑΤ 639 Package Basic ΚΑΤ 639 Package New ΚΑΤ 639 Package Plus ΚΑΤ 639 Package Max ΚΑΤ 639 Ιnsurance for Business Coverage for building (fire-earthquake) Transport, Equipment, Business Interruption, Financial loss, General Liability, Employer's Liability, Product Liability ΚΑΤ 638, 640, 643, 641 The premiums for car insurance and Business insurance are calculated automatically through the on-line system ATLANET and according to procedures and policies of the cooperative insurance company ATLANIC UNION. A. Such charges include any taxes by law B. Military Care Plan 2 & 4 include coinsured persons (wife and children). C. All non - life insurance products are offered in cooperation with ATLANTIC UNION insurance company Page 17

18 Π5 Α. LEGAL FEES Prepayment costs of legal check for Mortgage loans Prepayment costs of legal check for Business loans 1.PRENOTATION REGISTRATION Lawyer's fees for property tittles checking; Lawyers' fees and expenses for presence at the court 2. PRENOTATION ALTERATION Lawyer's fees for presence at the court for prenotation release Expenses for presence at the court for prenotation release TECHNICAL AND LEGAL FEES TO BE PAID BY THE CLIENT / Indicative Real costs calculation ΕΡΓ. ΤΡ.27325, ΚΑΤ 559 ΕΡΓ. ΤΡ.27326, ΚΑΤ 559 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΕΡΓ. ΤΡ , ΧΟΡ ,00 114,00 255,00-372,00 40,00-50,00 130,00 40,00-50,00 Lawyer's fees for property titles checking concerning the new property and presence at court Lawyers' fees and expenses for presence at the court for registration of new prenotation 3. PRENOTATION DECISION ALTERATION (e.g. RESTRICTION) ΕΡΓ. ΤΡ , ΕΡΓ. ΤΡ , ΧΟΡ ,00-372,00 ΕΡΓ. ΤΡ , ΕΡΓ. ΤΡ , ΧΟΡ ,00-50,00 Lawyers' fees for presence at the court Expenses for presence at the court 4. RELEASE OF PRENOTATION IN CASE OF LOAN REPAYMENT Lawyers' fees for presence at the court Banks legal fees and expenses for presence at the court for the release of prenotation 5. PRENOTATION TRANSFER TO OR FROM ANOTHER BANK Lawyers' fees for presence at the court for transfer to another bank Lawyers' fees for presence at the court for transfer of prenotation from another bank (title check not included) Lawyers' expenses for presence at the court 6. MORTGAGE REGISTRY EXPENSES The Mortgage Registry Expenses for prenotation are passed on to the client (approx: 0,775 % on the prenotation amount + 15 ) 7. COURT EXPENSES RELATED TO PAPERWORK MANAGEMENT According to ministerial decisions, today valued at 16 for rights plus other expenses based on the ministerial rule on Court Manager Expenses (2/39106/0022) ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ , ΧΟΡ 221 ΕΡΓ. ΤΡ KAT 616, 617, 634, ΧΟΡ 426, 427, 449, 470, ΧΟΡ 508, 510, ΚΑΤ ,00 40,00-50,00 130,00 40,00-50,00 130,00 130,00 40,00-50,00 8.Other LegalExpenses 8.1 Reaserch regarding property (VAT is charged) ΧΟΡ 424, 425, 428, 429, 432, 433, 436, 438, 439, ΚΑΤ 614, 615, ΧΟΡ 507, 509, ΚΑΤ 681 External Lawyers' fees for research regarding property are: 1. Fees for resarch out of Attica are: At Land Registry offices which are situated at the headquarters of the Court ΧΟΡ 425,439, ΚΑΤ ,00 At Land registry offices which are situated outside the headquarters of the court ΧΟΡ 425,439, ΚΑΤ ,00 NOTE For one reaserch the expenses are as mentioned above. If the request concerns two reaserch investigations then the fees are reduced to 2/3 for each. If the research concerns more than two investigations then the fees are reduced to 1/2 each. The fees are reduced to 2/3 if no share on land registry is found. 2. Fees for resarch in Attica are: ΧΟΡ 425,439, ΚΑΤ ,00 NOTE Fees in Attica are 15 euros each for every one person investigated. The mentioned legal & technical expenses cover basic cases and could be increased in special cases (e.g. according to the complexity of the evaluation, the location of premises etc) after informing & receiving agreement of the customer. As far as the legal expenses are conserned, the above mentioned costs apply only for Athens & Thessaloniki. For the rest of Greece (except Athens & Thessaloniki) the local Bar Associations prices apply. Revaluations for residential property today are every 3 years and for commercial premises every 1 year. Page 18

19 Π5 Β. Evaluation of Mortgage Loans TECHNICAL AND LEGAL FEES TO BE PAID BY THE CLIENT / Indicative Real costs calculation ΚΑΤ 609, ΧΟΡ Property Valuations 130,00 ΚΑΤ 609, ΧΟΡ Certifications of the work progress 105,00 (1) For properties that are located in the same building or site and are independent but not open space, the whole amount of fees is charged for the first property, the amount is reduced by 30% for the second property and by 50% for the third and the subsequent properties and only if the estimation for these properties is requested at the same time and from the same mechanic. If the properties are open space, then the fees are charged as if it is one property for the third and the rest of the properties. The same applies for independent agricultural plots or plots that are adjacent and /or are forming one single area. (2) VAT 23% is included (3) For evaluation of properties that are located in a distance above 30 kilometers from the mechanics premises, the fees are surcharged with transportation, resident fees (if necessary) and any other relevant charges. Γ. Evaluation of Business Financing Loans Property Valuation Stores, Apartments, Offices, Industrial Properties integrated into buildings Value up to Value from 100, and up to 250, Value from 250, and up to 500, Value from 500, and up to 1,000, Value from 1,000, and up to 1,500, Value from 1,500, and up to 2,000, Value from 2,000, and up to 3,500, Value from 3,500, and up to 5,000, Value from 5,000, and above ΚΑΤ 609, ΧΟΡ ,00 220,00 250,00 280,00 320,00 410,00 500,00 550,00 according to Houses, dublex houses, Country houses (not apartments)(2),(3) Value up to Value from 100, and up to 250, Value from 250, and up to 500, Value from 500, and up to 1,000, Value from 1,000, and up to 1,500, Value from 1,500, and up to 2,000, Value from 2,000, and up to 3,500, Value from 3,500, and up to 5,000, Value from 5,000, and above ΚΑΤ 609, ΧΟΡ ,00 220,00 250,00 280,00 320,00 410,00 500,00 550,00 according to Parcels and Plots (2),(3) Value up to Value from 100, and up to 250, Value from 250, and up to 500, Value from 500, and up to 1,000, Value from 1,000, and up to 1,500, Value from 1,500, and up to 2,000, Value from 2,000, and up to 3,500, Value from 3,500, and up to 5,000, Value from 5,000, and above ΚΑΤ 609, ΧΟΡ ,00 220,00 250,00 280,00 320,00 410,00 500,00 550,00 according to Special Type of property Industrial-Farming areas, Hotels & Tourist accomodation, Malls, Underground and Outdoor Parking, Clinics & Hospitals, Cinemas-Theaters, Office buildings, House Complexes Schools, Gas stations, Sport Facilities, Marinas, Ship Yards and other special buildings, Electromechanical installations From 0 up to From up to From up to From up to From up to From up to From up to From up to From up to From up to From and above Based on aggrement (4) Page 19

20 Π5 TECHNICAL AND LEGAL FEES TO BE PAID BY THE CLIENT / Indicative Real costs calculation 2.2 Reasonable cost evaluations (2), (3) Value up to Value from 100, and up to 250, Value from 250, and up to 500, ,00 175,00 190, Value from 500, and up to 1,000, ,00 230, Value from 1,000, and up to 1,500, ΚΑΤ 609, ΧΟΡ ,00 280, Value from 1,500, and up to 2,000, ,00 320, Value from 2,000, and up to 3,500, ,00 410, Value from 3,500, and up to 5,000, ,00 500, Value from 5,000, and above 600, Certifications of work progress (2) (3) Value up to Value from 100, and up to 250, Value from 250, and up to 500, ,00 175,00 190, Value from 500, and up to 1,000, ,00 230, Value from 1,000, and up to 1,500, ΚΑΤ 609, ΧΟΡ ,00 280, Value from 1,500, and up to 2,000, ,00 320, Value from 2,000, and up to 3,500, ,00 410, Value from 3,500, and up to 5,000, ,00 500, Value from 5,000, and above 600, Evaluations that concern Investments in the frame of Development Laws (3) 2.5 evaluations that consern Non Performing Loans (2), (3) 2.6 Re-evaluations (2), (3) (1)Mortgage and Consumer loans with prenotation are excluded. (2) For properties that are located in the same building or site and are independent but not open space, the whole ammount of fees is charged for the first property,the amount is reduced by 30% for the second property and by 50% for the third and subsequent properties and only if the estimation for these properties is requested at the same time and from the same mechanic. If the properties are open space, then the fees are charged as if it is one property. for the third and the rest of the properties. The same applies for independent agricultural plots or plots that are adjacent and/or are forming one single area. Based on charges 2.1, 2.2, 2.3 Based on charges 2.1, 2.2, 2.3 Based on charges 2.1, 2.2, 2.3 (3) VAT 23% is not included (4) Based on financial offer Page 20

21 Π6 SPECIAL ΑLPHA TRUST UCITS PRICE LIST FOR MILITARY Subscription Redemption Transfer fees fees fees EQUITY up to 9999,99 1,50% 0,00% up to ,99 1,10% up to ,99 0,75% 0,75% (stay up to 2 years) up to ,99 0,35% up to 0,00% MIKTO 0,35% up to 9999,99 0,90% (stay more than 2 years) 0,00% up to ,99 0,75% up to ,99 0,35% up to ,99 0,20% up to 0,00% BOND 0,75% up to 9999,99 0,55% (stay up to 90 days) 0,00% up to ,99 0,35% up to ,99 0,15% 0,35% up to 0,00% (stay more than 90 days) MONEY MARKET 0,75% 0,00% (stay up to 30 days) 0,00% 0,00% (stay more than 30 days) Notes A. Subscription fees are calculated per subscription and not according to total active position. Page 21

22 Π7 PACKAGES - PAYROLL Pricing on obligatory products Payroll Payroll account PLUS XTRA payroll account of Public sector Package privileges Standing orders for the payment of bills, and GENIKI Bank credit cards and loans Issue of 1st check book (15 sheets) GENIKI MAESTRO CASH 365 Issue of booklet As of payroll PLUS As of XTRA payroll of Public Servant free of charge Three month statements Credit cards Pricing GENIKI VISA / Mastercard free annual fees for 2 years free annual fees for the rest of the years if purchases are more than per year If purchases are less than per year then subscription fee 39 GENIKI VISA Gold Additional card Additional card 18 free annual fees for 2 years free annual fee for the rest of the years if purchases are more than per year If purchases are less than per year then the subscription fee Pricing of optional products Housing and consumer loans Housing Loans Once off expenses for approval of loan (including case of new loan & incoming transfer of loan) Consumer loan Once off expenses for approval of loan without prenotation with prenotation GENIKI Fixed Consumer loan GENIKI Floating (50% discount on the current pricing) (50% discount on the current pricing) (50% discount on the current pricing) Reduce of interest rate by 1% Reduce of interest rate by 1% Bancassurance Products GENIKI Aneta GENIKI Stirixi1 GENIKI Stirixi 3 GENIKI Stirixi 5 Geniki Stirixi is a product of collaboration between Geniki Bank and the insurance company ING 21,00 21,00 31,00 49,00 GENIKI Stirixi (Renewals GENERALI) GENIKI Military Care Plan 1 GENIKI Military Care Plan 2 Hire of Safe Deposit Box 60,00 120,00 (50% discount on the current pricing) Page 22

23 Pricing on obligatory products PACKAGES - EPILECTON Designed for military and security forces Payroll SUPER PLUS payroll account Package privileges Standing orders for the payment of bills and GENIKI Bank credit cards and loans Issue of 1st check book (15 sheets) GENIKI MAESTRO CASH 365 Issue of booklet 3 month statement As of payroll SUPERPLUS free of charge Pricing of optional products Credit cards Pricing GENIKI VISA / Mastercard Additional card GENIKI VISA Gold Additional card GENIKI VISA Neon Housing and consumer loans Housing Loans Once off expenses for approval of loan (including case of new loan & incoming transfer of loan) Consumer loan reduce of interest rate by 2% free annual fee for 2 years free subscription for the rest of the years if purchases are more than per year If purchases are less than per year then subscription fee free subscription for 2 years free subscription for the rest of the years if purchases are more than per year If purchases are less than per year then subscription fee Free subscription for the first year of studies 50% discount on the current pricing & 100% discount for loan transfer Once off expenses for approval of loan without prenotation with prenotation 50%discount on the current pricing 50%discount on the current pricing GENIKI Fixed Rate Consumer GENIKI Floating Reduction of interest rate by 1% Reduction of interest rate by 1% Bancassurance products GENIKI Aneta GENIKI Stirixi GENIKI Stirixi1 GENIKI Stirixi 3 GENIKI Stirixi 5 Geniki Stirixi is a product of collaboration between Geniki Bank and the insurance company ING 21,00 21,00 31,00 49,00 GENIKI Military Care Plan 1 GENIKI Military Care Plan 2 60,00 120,00 Hire of Safe Deposit Box (50% discount on current pricing) Page 23

24 PACKAGE G-CLUB NEON Specially desined for students Pricing on obligatory products Student Account GENIKI Νeon Standing orders of bills and GENIKI Bank Credit Cards and Loans Credit Cards GENIKI VISA Neon Pricing of optional products Bankassurance Products GENIKI Aneta as of GENIKI Neon account free of charge Free Subscription for the first year of studying 21,00 GENIKI Doctor Package Obligatory account Saving, Current, Payroll, Sight account Pricing List for optional products Premium Sight Account Medical Lease Credit Card GENIKI VISA GOLD Bancassurance products Professional Indemnity Insurance Specially desined for doctors according to the official pricing list Basic Floating Interest rate (BEX)* + spread up to 8% See Interest rates in Table Z Possibility of reducing 1st rent under conditions free subscription for the 1st year euros premium/year accoding to the program GENIKI Pharmacist Package Pricing List Specially desined for pharmacists PRIVILEGES / OFFERS Premium Sight Account Working capital Credit Card GENIKI VISA GOLD Bancassurance products Professional Indemnity Insurance Business Premises Insurance The first 2 check books are free (15 sheets) See Interest rates in Table Z Basic Floating Interest rate (BEX)* + spread up to 8% 50% discount in the once-off expenses of loan approval See Interest rates in Table Z free subscription for the 1st year euros total premium accoding to the program 1-4,30 per thousand gross premium accoding to the program Page 24

25 Pricing Π8 -BANKING AND PHONE-BANKING One off expense for security device O.T.P ΚΑΤ 652, ΕΡΓ. ΤΡ ,03 CREDIT TRANSFERS (Domestic in Euro i From GBG Branch to another banks Branch STP with SHA option up to ICOMPAY 2,50 from ICOMPAY from over ICOMPAY 0, ,5 transmission fees STP with OUR option up to ICOMPAY 3 from ICOMPAY from over ICOMPAY 0, ,5 transmission fees ii Between GBG Accounts iii From GBG to another foreign bank 1. STP with SHA option 1.1 Euro to EEA Countries with SHA option up to free of charge 2,50 over , Euro to non EEA Countries with SHA option up to ,00 7,5 transmission fees over ,00 155,00 7,5 transmission fees 1.3 Foreign Exchange with SHA option up to ICOMPAY 1,5 7,50 150,00 exchange costs 0,10% 6,00 50,00 delivery charges 7, Foreign Exchange with OUR option up to ,5 7,50 150,00 0,10% 6,00 50,00 7,50 12,50 receiving bank charges 2. Non STP credit transfer As above+10,00 Payments EYDAP ΑΥΤ (KAT) ,30 VODAFONE ΕΙΣΠΡ. ΠΛΗΡ ΕΙΣΑΓΩΓΗ ΣΥΜΒΑΣΗΣ 0,20 Payment of other Greek Bank's Credit Cards (through DIAS) ΕΙΣΠΡ. ΠΛΗΡ ΕΙΣΑΓΩΓΗ ΣΥΜΒΑΣΗΣ 0,40 e-pass renewal points ΕΙΣΠΡ. ΠΛΗΡ ΕΙΣΑΓΩΓΗ ΣΥΜΒΑΣΗΣ 0,39 GENIKI e-shopping (charges for charging/re-charging of card) 1,5% (min 1,5 max 5 ) Payment of own GENIKI Bank Credit Cards Payment of third party GENIKI Bank Credit Cards exchange costs delivery charges Payment of Telephony Bills (ΟΤΕ, TELLAS, Vivodi, Forthnet, ON-TELECOMS, CYTA HELLAS,COSMOTE) Tax Payment VAT, Income Tax for corporate, Provisional tax statement performance fees and stamp, special fine for arbitrary, Amount of use arbitrary arrangement, Circulation tax, Certified tax debts, DEI Social Security Payments (ΙΚΑ, OAEE, Pension health-fund contributions, EMPORIKI CREDICOM, International general life insurance, International Life, Interamerican, Interamerican Road Assistance, Interamerican Health, ING Life Insurance, Groupama Phoenix) free of charge Other Payments (BMWFS, FIREN, SERFIN, VWBANK, Plaisio, NOVA Multichoice, Energa, Aegean Power, Action Aid, Skroutz.gr) Payments to state (Attica gas supply company, Thessaloniki gas supply company, Thessalia gas supply company, Water supply and sewerage Ag. Nikolaos Crete, Water supply and sewerage Alexandroupoli) Water supply and sewerage Kastoria, Water supply and sewerage Katerini, Water supply and sewerage Kerkyra, Water supply and sewerage Lesvos, Water supply and sewerage Serres, Water supply and sewerage Sparti) Standing orders through E-Banking OTE, TELLAS, VIVODI, FORTHNET, TEBE, BMWFS, FIREN, SERFIN, VWBANK, IATA CASH, ACS, COURIER SA, INTERASCO AEΓΑ, GOODYEAR-DUNLOP ΕΛΑΣΤΙΚΑ ΑΒΕΕ, ING LIFE WWF HELLAS, GENERALI LIFE, GENERALI HELLAS, LEASPLAN, ΑΣΦΑΛΕΙΑΙ ΜΙΝΕΤΤΑ, DEYA RHODES, AFANTOU, KALIMNOY, ATLANTKI ENOSI, ING INSURANCE EUROLEASE FLEET SERVICES AE, OTE LARGE CORPORATE, ACTION AID, AUTOHELLAS HERTZ, CYTA HELLAS, MICHELIN, PAYZONE, SFS HELLAS, CONSUMER, SFS HELLAS FINANCE LEASE & TRADE (701) SFS HELLAS FINANCE LEASE & TRADE (702), SFS HELLAS FINANCE LEASE & TRADE (703), MEDECINS SANS FRONTIERES, ETAO, TEAGE AEGEAN POWER (CORE), AEGEAN POWER A.E. (B2B), AUTOHELLAS HERTZ (CORE), BRINKS SECURITY SERVICES S.A., COSMOTE S.A. (CORE), COSMOTE S.A. (B2B), FGA BANK GMBH, FGA CAPITAL HELLAS, G4S SECURE SOLUTIONS S.A, G4S TELEMATIX, HELLASFON NETWORKS S.A, HOLMES PLACE, HRS MOBILE S.A, METLIFE ALICO, MULTICHOICE-NOVA, SPARTAN SECURITY NEA ODOS S.A. - RETAIL, OAEE REGULATED INSTALLMENTS, OTE- NEOTITA ACCOUNT, OAEE- REGULATED INSTALLMENTS (FORMER INSURED), PASOK SUPPLY AND CONSUMER ASSOCIATION OF ATTICA POLICE OFFICERS SYN.PE, SYN.PE OSE, TO CHAMOGELO TOY PAIDIOY free of charge ATHENS GAS COMPANY, THESSALY GAS COMPANY, THESSALONIKI GAS COMPANY, EUROPAIKI PISTI, IRWN THERMOILEKTRIKI - CORPORATE, IRWN THERMOILEKTRIKI - RETAIL, NEA ODOS S.A. - CORPORATE WATER SUPPLY AND SEWERAGE WESTERN OLIMPOS, LEROS MUNICIPALITY, PALLINI MUNICIPALITY RETAIL, PALLINI MUNICIPALITY - CORPORATE, DIETHNIS ENWSI S.A., ETHNIKI ASFALISTIKI, ELTREKKA S.A., WATER SUPPLY AND SEWERAGE - THESSALONIKI WATER SUPPLY AND SEWERAGE - SPARTI, WATER SUPPLY AND SEWERAGE - SIMI, WATER SUPPLY AND SEWERAGE -TRIKALA, WATER SUPPLY AND SEWERAGE - TRIPOLI, WATER SUPPLY AND SEWERAGE - CHALKIDA, WATER SUPPLY AND SEWERAGE - CHANIA, DEH WATER SUPPLY AND SEWERAGE PAROS, WATER SUPPLY AND SEWERAGE - PREVEZA, WATER SUPPLY AND SEWERAGE PILAIAS XORTIATI, WATER SUPPLY AND SEWERAGE - RHODES, WATER SUPPLY AND SEWERAGE - SERRES, WATER SUPPLY AND SEWERAGE - SIKIONES WATER SUPPLY AND SEWERAGE - MITILINI, WATER SUPPLY AND SEWERAGE - NAOUSA, WATER SUPPLY AND SEWERAGE - NAFPAKTOS, WATER SUPPLY AND SEWERAGE - NAFPLIO, WATER SUPPLY AND SEWERAGE - KSILOKASTRO, WATER SUPPLY AND SEWERAGE - PAGKAIO Page 25

26 WATER SUPPLY AND SEWERAGE - LAMIA, WATER SUPPLY AND SEWERAGE - LARISA, WATER SUPPLY AND SEWERAGE - LOUTRAKI, WATER SUPPLY AND SEWERAGE MEIZONAS BOLOU, WATER SUPPLY AND SEWERAGE - MESOLLOGI, WATER SUPPLY AND SEWERAGE MINOA PEDIADIAS WATER SUPPLY AND SEWERAGE - KARDITSA, WATER SUPPLY AND SEWERAGE - KASTORIA, WATER SUPPLY AND SEWERAGE - KATERINI, WATER SUPPLY AND SEWERAGE - KERKYRA, WATER SUPPLY AND SEWERAGE - KORINTHOS, WATER SUPPLY AND SEWERAGE - KOS WATER SUPPLY AND SEWERAGE - IGOUMENITSA, WATER SUPPLY AND SEWERAGE - HERAKLEION, WATER SUPPLY AND SEWERAGE - THASOS, WATER SUPPLY AND SEWERAGE - THERMI, WATER SUPPLY AND SEWERAGE - THIRA, WATER SUPPLY AND SEWERAGE - KAVALA WATER SUPPLY AND SEWERAGE AGIOS NIKOLAOS, WATER SUPPLY AND SEWERAGE - AIGIO, WATER SUPPLY AND SEWERAGE - ALEXANDROUPOLI, WATER SUPPLY AND SEWERAGE - DRAMA, WATER SUPPLY AND SEWERAGE - EDESSA, WATER SUPPLY AND SEWERAGE - ERETRIA TEC HELLAS Ltd, VERBUND AUSTRIAN POWER TRAIDING ENERGA HELLAS S.A., WATT & VOLT - CORPORATE, WATT & VOLT - RETAIL, MINETTA INSURANCES, WATER SUPPLY AND SEWERAGE - AGIA free of charge INTERAMERICAN LIFE INSURANCES, INTERAMERICAN DAMAGES INSURANCES, INTERNATIONAL LIFE LIFE INSURANCES, INTERNATIONAL LIFE GENERAL INSURANCES, KONICA MINOLTA BGR S.A., MERCEDES BENZ HELLAS S.A. PIERRE FABRE HELLAS S.A., PROTERGIA A.E. - CORPORATE, PROTERGIA A.E. - RETAIL, PROTERGIA AGIOS NIKOLAOS - CORPORATE, PROTERGIA AGIOS NIKOLAOS - RETAIL, REVMAena - CORPORATE, REVMAena - RETAIL CREDICOM CONSUMER FINANCE BANK S.A., D.A.S HELLAS A.E - CORPORATE, D.A.S HELLAS A.E - RETAIL, ELPEDISON ΕΜΠΟΡΙΚΗ Α.Ε - CORPORATE, BSH HOME APPLIANCES S.A., ALLIANZ HELLAS S.A. GREEN GREEK ENVIRONMENTAL & ENERGY NETWORK A.E.- CORPORATE, GREEN GREEK ENVIRONMENTAL & ENERGY NETWORK A.E - RETAIL, GROUPAMA PHOENIX, ELPEDISON ΕΜΠΟΡΙΚΗ Α.Ε - RETAIL A. Other telecom and telegraph costs that result from the transactions will be added according to actual cost Π10 Customers Complaints 1. The customer may orally express every complaint or problem: (a) directly to any GENIKI Bank Branch, Business Center or LCBC (b) through contacting Call Center, by calling (landline) or (from mobile or from abroad) 2. In case the customer is not satisfied with the provided response, may appeal in writing to the Complaints Management Unit of GENIKI Bank: (a) through a GENIKI Bank branch, either by filling in the provided application or by delivering a simple letter (b) via Internet, by completing the application form, found on the website (c) through Management Units / Subsidiary companies (d) through Consumer Protection Institutions (EKPIZO, Hellenic Consumers' Ombudsman, Ministry of Development etc) (e) directly, by sending a letter to GENERAL BANK OF GREECE SA, Complaints Management Unit, Messogion Av., Ampelokipi, or by sending a fax to In case the customer is not fully satisfied with the provided response of the Complaints Management Unit, may be addressed in writing to the Hellenic Ombudsman for Banking - Investment Services (H.O.B.I.S.), either within one (1) month from the response of the Complaints Management Unit, or after 10 working days, without reply. Page 26