Transaction Terms: Commissions and Other s NB: Commission rates are standard and may be amended on special occasions. The present Price-list is subject to periodic review and effective as of 14.6.2013. The present Price-list includes the usual basic transactions of the Bank and does not apply to all cases. For this reason, it is recommended that Customers consult the competent Officers of the Bank prior to conducting any transactions. The present Price-list also includes products and services of the former Emporiki Bank until the operational merger is concluded.
CONTENTS TYPES OF OPERATIONS Page A. FUND TRANSFERS.... 1-7 B. DEPOSITS. 8-10 C. CLEAN DOMESTIC COLLECTIONS........ 11 D. LETTERS OF GUARANTEE.. 12 E. FOREIGN EXCHANGE TRANSACTIONS.. 13 F. EXPORTS.. 14 G. IMPORTS. 15-16 H. SECURITIES. 17 I. FINANCING....... 18-24 J. ELECTRONIC SERVICES.. 25-28 K. OTHER SERVICES.. 29-30
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 1 1.1 1.2 2 ISSUANCE OF PAYMENT ORDERS TO OUR BANK S BRANCHES THROUGH ALPHANET In favour of third parties through cash payment. - Up to Euro 1,000 Fixed s 5 - Over Euro 1,000 0.10% 8 In favour of the Hellenic State Lotteries by order of lottery agents and vendors for settlement of their obligations from purchasing lottery tickets. ISSUANCE OF PAYMENT ORDERS TO OTHER BANKS 2.1 Within the EU/EEA See Section A, General Terms: Payment Orders to and from other banks. No additional SWIFT charges are collected. 2.1.1 Through the Branch: Under SEPA specifications - Up to Euro 5,000 Fixed s 12 - From Euro 5,000.01 up to Euro 50,000 0.15% 15 75 - Over Euro 50,000 0.20% 100 250 Under non-sepa specifications (Euro or Foreign Currency) - Up to Euro 5,000 Fixed s 19 - From Euro 5,000.01 up to Euro 50,000 0.20% 20 100 - Over Euro 50,000 0.25% 125 300 Urgent Payment Orders Fixed s 20 Collected additionally to any With charging option OUR 0.15% 3 100 applicable commissions. 2.1.2.1 Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking): Under SEPA specifications Individuals - Companies - Up to Euro 5,000 Fixed s 1 - From Euro 5,000.01 up to Euro 50,000 Fixed s 3 - From Euro 50,000.01 up to Euro 150,000 (within Greece only) Under non-sepa specifications in Euro with charging option OUR (within Greece only) Fixed s 5 Individuals - Companies - Up to Euro 5,000 Fixed s 3 - From Euro 5,000.01 up to Euro 50,000 Fixed s 7 - From Euro 50,000.01 up to Euro 150,000 Under non-sepa specifications in Foreign Currency Fixed s 14 - Individuals Fixed s 10 - Companies Fixed s 15 Through debit of the Alpha Smart Management account, 50% discount on the applicable charges. Payment orders to banks abroad are carried out for amounts up to Euro 50,000 with charging option SHA. The charges of the beneficiary s bank are included so that the beneficiary receives the transfer amount in full. Payment orders with conversion into foreign currency are carried out for amounts up to the equivalent of USD 15,000. In case of payment orders in Foreign Currency from an account in the same currency, the upper limit is the equivalent of Euro 50,000. 1
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 2.1.2.2 Through Emporiki e.banking: 2.1.3 2 Under SEPA specifications Individuals - Companies - Up to Euro 5,000 Fixed s 1 - From Euro 5,000.01 up to Euro Fixed s 12,500 3 Under non-sepa specifications in Euro with charging option BEN (within Greece only) Under non-sepa specifications in Euro with charging option OUR (within Greece only) Individuals - Companies - Up to Euro 5,000 Fixed s 3 - From Euro 5,000.01 up to Euro 12,500 Fixed s 7 Payment of credit cards issued by other banks in Greece. By debiting a deposit account Through the Branch Fixed s 3 Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking/ Emporiki e.banking) Fixed s 1 By cash payment At the Automated Cash Transaction Centres (ACTCs) Fixed s 1 At the Cashiers Desks of the Branch Network Fixed s 5 2.2 In non-eu/eea (irrespective of currency) 2.2.1 Through the Branch: - Up to Euro 5,000 Fixed s 19 - From Euro 5,000.01 up to Euro 50,000 0.20% 20 100 - Over Euro 50,000 0.25% 125 300 2.2.2 2.3 2.4 Payment orders to banks abroad are carried out for amounts up to Euro 12,500 with charging option SHA or SLV. The charges of the beneficiary s bank are included so that the beneficiary receives the transfer amount in full. Payment of credit cards issued by Citibank at the Cashiers Desks and ACTCs of the Branch Network of the former Emporiki Bank and through Emporiki e.banking is free of charge. No additional SWIFT charges are collected. Urgent Payment Orders Fixed s 20 Collected additionally to any With charging option OUR 0.15% 3 100 applicable commissions. Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking): - Individuals Fixed s 10 - Companies Fixed s 15 Countries where the Alpha Bank Group is present For credit to deposit account Through the Branch Fixed s 10 Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking): Individuals - Companies Fixed s 1 For cash payment Fixed s 12 Cancellation or amendment of payment order Fixed s 40 Payment orders with conversion into foreign currency are carried out for amounts up to the equivalent of USD 15,000. In case of payment orders in Foreign Currency from an account in the same currency, the upper limit is the equivalent of Euro 50,000. Great Britain, Albania, Bulgaria, Cyprus, Ukraine, F.Y.R.O.M., Romania, Serbia. No additional SWIFT charges are collected. Applicable for amounts up to Euro 10,000. No additional SWIFT charges are collected.
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 3 INCOMING PAYMENT ORDERS FROM OTHER BANKS 3.1 For credit to deposit account Collected irrespectively of - Up to the equivalent of Euro 12,500 Fixed s 3 currency and amount on condition that the charging - From the equivalent of Euro 12,500.01 option is SHA or ΒΕΝ. Fixed s 5 up to the equivalent of Euro 50,000 - Over the equivalent of Euro 50,000 Fixed s 8 For credit to deposit account when transaction proceeds are related to Alpha Exports Development. For credit to the Alpha Smart Management account. - Up to the equivalent of Euro 50,000 3.2 For cash payment Fixed s 15 Payment of incoming orders of the Civil 3.3 Servants Welfare Fund (TPDY) to the 0.10% 2.30 beneficiary civil servants 4 ISSUANCE OF BANK CHEQUES 4.1 By debiting a deposit or investment account to his/her order. 4.2 By debiting a deposit or investment account to the order of a third party. 0.10% 15 To the order of the Public Sector (e.g. Public Entities (NPDD), Public Fiscal Service (DOY), Customs), Bank of Greece, Social Security Foundation (IKA), Local 4.3 Authorities (OTA), Self-Employed Workers Insurance Organisation (OAEE), Hellenic State Lotteries by order of lottery agents and vendors, for fulfillment of their obligations to the abovementioned organisations. 5 PURCHASE OF CHEQUES 5.1 Personal/Bank Cheque, Alpha Bank/former Emporiki Bank 5.2 Personal Cheque issued by other bank Credit to a deposit or loan account For cash payment (only in exceptional cases) 0.30% 10 Payment orders for credit to the: - Alpha Payroll account are free of charge. - Alpha Premier account for Alpha Prime contracts are free of charge. 50% discount for amounts over the equivalent of Euro 50,000 With value date for: - domestic personal cheques, the third working day. - personal cheques of another Eurozone country, the seventh working day. - personal cheques of another non-eurozone country, the tenth working day. 3
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 5.3 Bank Cheque issued by other bank Credit to a deposit or loan account 4 For cash payment (only in exceptional cases) 0.30% 5 For placement of the cheques proceeds in Repos, outright sale of securities, Mutual Fund units, Swaps, purchase of new Issues of Treasury Bills, Bonds and Greek Government Securities, Share Capital Increases (SCI) of the Bank and the Group Companies as well as import settlements. For placement of the proceeds in the framework of an AlphaPrime contract. Settlement of bank cheques issued by 5.4 banks abroad drawn on accounts kept at 0.10% 7 90 the Bank. 6 OTHER SERVICES FOR CHEQUES 6.1 Cancellation of cheque issued by our Customer Fixed s 2.50 Per cheque 6.2 Stop payment on a cheque issued by our Customer Fixed s 25 Per cheque due to theft or loss Fixed s 30 Per application 6.3 Cancellation of bank cheque issued by our Bank Fixed s 20 6.4 Return of cheque to bearer (deposit account holder with the Bank) Fixed s 15 Sealing of bad cheque issued by another 6.4.1 bank to the order of the bearer (Bank Fixed s 20 account holder) With value date for: - domestic bank cheques, the next working day. - bank cheques of another Eurozone country, the seventh working day. - bank cheques of another non-eurozone country, the tenth working day. For AlphaPrime Service Customers, this purchase is made in cash. 6.5 Announcement - notification to customers to cover bad cheques Fixed s 20 Per cheque 6.6 Sealing of cheque drawn on accounts of our Bank Fixed s 15 6.7 Provision of Cheque-Book Per cheque form To a holder of the Alpha Payroll account, the first cheque-book per year. To a holder of the Alpha Premier account, by an order made: Through the Branch with an average six-month balance: - Up to Euro 15,000 Fixed s 1.50 - Over Euro 15,000 Fixed s 1.20 Through Alternative Networks with an average six-month balance: - Up to Euro 15,000 Fixed s 1.20 - Over Euro 15,000 Fixed s 0.96 - All subsequent cheque-books are provided at a discount of 50% on the commissions of the Alpha Premier account.
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s To a holder of the Alpha Smart Management account, the first cheque-book per calendar year To a holder of the Emporiki Met Apodochon account, the first cheque-book per calendar year To a holder of the Individuals Current account, by an order made: Through the Branch with an average six-month balance: - Up to Euro 15,000 Fixed s 1.50 - Over Euro 15,000 Fixed s 1.20 Through Alternative Networks with an average six-month balance: - Up to Euro 15,000 Fixed s 1.20 - Over Euro 15,000 Fixed s 0.96 To a holder of the Emporiki Double account, the first cheque-book per calendar year - - - - 35% discount on the commissions of Other accounts for all subsequent cheque-books issued upon order through the Branch or the Alternative Networks is applicable. - The option of printout under the personal care of the Customer is not available. All subsequent cheque-books are provided at a discount of 50% on the commissions of the Individuals Current account. To holders of other accounts by order: The charge applies to all other Through the Branch Fixed s 1.50 accounts regardless of the Through Alternative Networks Fixed s 1.20 average bi-annual balance. Printout under the personal care of the Customer Fixed s 0.30 Alpha Premier banking account in the framework of an AlphaPrime contract, the three ten-form cheque-books per year. PAYMENTS TO 7 COMPANIES/ORGANISATIONS (concerns the Payer) 7.1 Standing Payment Order Fixed amount between deposit accounts kept with the Bank Variable amount for credit to a loan account kept with the Bank Direct Debit within the EU/EEA 7.2 (standing order/sepa Direct Debit) Following an agreement of the Bank with the companies/organisations Without an agreement of the Bank with the companies/organisations - Fixed s 19 All subsequent cheque-books are provided at a discount of 50% on the commissions of the Alpha Premier account. As listed on the Appendix Payments to companies/organisations. In case of Imports, the Imports process is followed and an additional commission on the basis of the Price-list is collected. See Section G, Imports. 5
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 7.3 Payments with a specific entry code 8 Through the Branch Payment by debiting an account Payment by debiting a card Cash payment Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking/Emporiki e.banking) Payment by debiting an account Payment by debiting a card Through Automated Cash Transaction Centres (ACTCs) in cash Through ATMs by debiting an account OBLIGATIONS PAYMENT SERVICES WITH FILE (for Legal Entities) 8.1 Electronic Payrolls and intrabank payments 8.1.1 8.1.2 8.2 9 Payment of Payroll through handwritten procedure at the Branch (per employee) Fixed s 1 Payment of Payroll through other means (per employee) based on a contract with the former Emporiki Bank Via modem Fixed s 0.30 Via floppy disk Fixed s 0.30 Through the Electronic Payment Service (Alpha Bank File Transfer) Per file Per transaction Credit Alpha Bank account Credit third bank account PAYMENT COLLECTION SERVICES (Beneficiary being Legal Entity) 9.1 With Direct Debit 9.2 With Payment Orders Through the Branch Through Alternative Networks (Alpha Web Banking/Alphaphone/ Alpha Mobile Banking/Emporiki e.banking) 9.3 With Cards 9.4 With Cash Payment At the Automated Cash Transaction Centers (ACTCs) At the Cashiers Desks of the Branch Network As listed on the Appendix Payments to companies/organisations. Certain payments to the Greek State as well as the payment of Public Power Corporation (DEI) bills can also be carried out by using a credit card of the Bank with up to six interest-free installments. Payment of employers contributions in favour of the Social Security Foundation carried out through the Branch during the six last calendar days of every month, is charged with a commission of 0.15% with a minimum of Euro 15 and a maximum of Euro 50. Standing orders through debit of the Alpha Payroll and Alpha Premier accounts for AlphaPrime contracts, free of charge. Pricing upon agreement Pricing upon agreement 6
SECTION A: FUND TRANSFERS Transaction Terms: Commissions and Other s 10 CASH MANAGEMENT 10.1 ALPHA GLOBAL CASH MANAGEMENT Alpha Bank - Primary Bank Pricing upon agreement 10.2 Alpha Bank - Secondary Bank Pricing upon agreement 10.3 Issuance of daily statement through: SWIFT MT940 Fixed s 35 File in SWIFT MT940 format Fixed s 30 File under Bank specifications Fixed s 15 The charges are carried out on a monthly basis. GENERAL TERMS Α. PAYMENT ORDERS TO AND FROM OTHER BANKS 1. All payment orders to other banks in Euro or in Foreign Currency are forwarded through SWIFT. The value date is two (2) working days from the transaction date. The abovementioned value date can be differentiated on the following conditions: In case the value date determined by the applicable payment system is different. If the abovementioned dates include a currency holiday. 2. The incoming payment orders, regardless of the amount, are executed under the following value dates: Incoming payment orders in Euro or other currencies of the European Union/EEA crediting accounts held: (a) in the same currency the value date is the value date of the payment order*. (b) in a different currency the value date is two (2) working days after the value date of the payment order. Incoming payment orders in currency outside the European Union/EEA crediting accounts in Euro or Foreign Currency the value date is two (2) working days after the value date of the payment order. *In case the incoming payment order is received after 14:30, the Bank reserves the right to credit the account with the relevant amount with value date the next working day. 3. A transaction under SEPA specifications is defined as every online credit transfer, within the European Union, carried out only on the conditions mentioned below: The destination country belongs to SEPA ** No limit regarding the amount of the payment order Existence of name and IBAN of the orderer Existence of name and IBAN of the beneficiary Existence of beneficiary s bank BIC The currency of the payment is the Euro No special instructions to be included Only the charging option SHA (Share) can be used **Through the introduction of SEPA, the EU borders have been expanded. More specifically, the SEPA countries include: EURO17 (Eurozone): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Estonia and Slovakia. EU28: EURO17 plus Czech Republic, Denmark, Lithuania, Latvia, Hungary, Poland, Sweden, Great Britain, Bulgaria, Romania, Croatia. In addition the following countries: Iceland, Norway, Liechtenstein, Switzerland and Monaco. Finally, the following areas (where the European legislation is applicable): Martinique, Guadeloupe, French Guiana, Reunion Island, Gibraltar, the Azores, Madeira, Canary Islands, Åland Islands. 4. Commission on foreign exchange transactions: In any case of foreign currency conversion (purchase or sale) related to the issuance or settlement of a payment order/bank cheque in addition to the applicable commission: 0.1% with a minimum amount of Euro 7 and a maximum amount of Euro 30 is collected. B. CHEQUES 1. All the cheques in Euro payable to other banks are compulsorily deposited to deposit or loan accounts. 7
SECTION B: DEPOSITS Transaction Terms: Commissions and Other s 1 TRANSACTION CHARGES For each transaction over: 1.1 four (4) per month, accounts are charged as follows: Alpha 290 and Alpha 500: From 5 up to 500 transactions Fixed s 1 Over 501 transactions Fixed s 3 1.2 twenty nine (29) per month, accounts are charged as follows: Alpha Cash Management: From 30 up to 500 transactions Fixed s 1 Over 501 transactions Fixed s 3 Alpha Smart Management (regardless of the number of transactions) 1.3 four (4) per month, accounts are charged as follows: Emporiki Businesses Sight and Emporiki Businesses Preferential: From 5 up to 500 transactions Fixed s 1 Over 501 transactions Fixed s 3 1.4 Easy Overdraft Regardless of average monthly balance. Regardless of average monthly balance. Regardless of average monthly balance. Exempted from Transaction s No extra charges on transactions (credits or debits) to Alpha 290, Alpha 500, Alpha Cash Management and Alpha Smart Management, Emporiki Businesses Sight (5060) and Emporiki Businesses Preferential (5122) accounts that: are carried out with cards issued by the Bank (e.g. Alpha Bank Enter Visa, Alpha Bank Bonus Visa, Alpha Bank Bonus MasterCard, Alpha Bank Bonus American Express, Emporiki Visa, Emporiki MasterCard, etc.) are carried out through Alternative Networks (e.g. Alpha Web Banking, Alphaphone, Alpha Mobile Banking, Alphaline, Emporiki e.banking etc.) are related to standing orders are related to credit of interest to deposit accounts and to term deposits or debits with the income tax due are related to credit of payroll, if carried out through the Bank are related to a reversal entry of a transaction carried out at the Branch Cashiers Desks as well as to the transaction linked with the reversal entry are related to the collection of safe deposit boxes rentals are related to the investment account (Alpha 290) and have been included in the framework of an AlphaPrime contract. 8
SECTION B: DEPOSITS Transaction Terms: Commissions and Other s GENERAL TERMS Α. Minimum limits for the opening of deposit accounts Alpha Premier : Euro 300 Alpha Savings : Euro 300 Alpha Savings Plus : Euro 300 Alpha 290 : Euro 3,000 Alpha 500 : Euro 3,000 Alpha Smart Management : Euro 3,000 Alpha 1Ι2Ι3 Youth Line : No minimum limit Alpha Payroll : No minimum limit Banking Account of AlphaPrime Alpha Premier : No minimum limit Emporiki Double : Euro 1,000 Emporiki Shediazo Syntaksi Evelikta : Euro 300 Emporiki Savings : Euro 300 Optimum Account : No minimum limit Emporiki Current Account : No minimum limit Emporiki Met Apodochon : No minimum limit Emporiki Met Apodochon Business : No minimum limit Emporiki Businesses Sight : Euro 3,000 Emporiki Businesses Preferential : Euro 3,000 Term Deposits : Euro 5,000 Term Deposits with certificates (minimum amount of security) : Euro 15,000 GENERAL TERMS Β. Value dates 1. Cash deposit in Euro at: - Individual s deposit account bears interest from the deposit date. - Interest bearing business account bears interest from the next working day. 2. Cash withdrawal terminates the interest bearing of the withdrawn amount on the day of the transaction. 3. The transfer of amounts from a deposit and/or loan account to another deposit and/or loan account is computed with value date the same day. 4. Upon a special agreement, if withdrawal is carried out from non-available balance, debit interest is calculated on the withdrawn amount with interest rate equal to the Minimum Lending Rate (MLR) plus the entire spread. In particular, for accounts of the former Emporiki Bank the highest credit interest rate of the account is applied, depending on the stipulations foreseen in the account contract. 5. Compounding Period: Interest is calculated bi-annually and in particular on 30/6 and 31/12 of every year on the basis of a 360-day year, except for the Alpha Cash Management, Alpha Smart Management and Alpha Payroll accounts for which interest is calculated every quarter and in particular on 31/3, 30/6, 30/9 and 31/12 of every year. Regarding accounts of the former Emporiki Bank, interest is calculated bi-annually, on June and December of every year on the basis of a 360-day year. 6. Compounding Method: i. For the Alpha Premier, Alpha Savings Plus, Alpha 1 2 3 Youth Line, Alpha Payroll, Alpha 500, Alpha Cash Management, Alpha Smart Management, Emporiki Preferential, Emporiki Current Account, Emporiki Double, Emporiki Shediazo Syntaksi Evelikta, Younique, Emporiki Met Apodochon, Emporiki Met Apodochon Business and Emporiki Exipno Tamio accounts the interest rate is tiered, and interest is calculated on the daily available balance at the relevant interest rate (which corresponds to the balance of the account) for the entire balance. Exceptions: (a) If the automatic credit of salary is discontinued for six consecutive months in the Alpha Payroll account, then interest is calculated on the applicable interest rates of the Alpha Savings account, from the next calendar quarter. (b) In the Emporiki Shediazo Syntaksi Evelikta account, interest is not paid for the amount of the daily available balance exceeding Euro 200,000. 9
Transaction Terms: Commissions and Other s SECTION B: DEPOSITS GENERAL TERMS Β. Value dates ii. For the Alpha Savings account, the interest rate is tiered and interest is calculated on the average daily six-month balance with the corresponding tier rate and applies to the entire balance. iii. For accounts Alpha 290 with an average daily six-month balance of less than Euro 3,000 interest is not computed, regardless of any credit interest rate agreed. iv. For the Emporiki Savings and Emporiki Gia to Paidi mou accounts, the interest rate is scaled. Interest is calculated on the basis of the rates corresponding to each amount scale until the entire daily available balance has been taken into account. v. For the interest-bearing Emporiki Businesses Sight and Emporiki Businesses Preferential accounts, the interest rate is tiered and interest is calculated on the average six-month available balance with the corresponding tier rate and applies to the entire capital. 7. Tax (currently 15%) on the paid interest is deducted and submitted to the Greek State in accordance with the applicable legislation. Alpha Bank participates in the HELLENIC DEPOSIT AND INVESTMENT GUARANTEE FUND in accordance with the provisions of Law 3746/2009. Other notes For all accounts where it is possible to make withdrawals by cheques paid at the Cashiers Desks of the Branch (not via the Cheque Clearing Interbank Electronic System (DISSE) or via Clearing Houses with physical movement), the value date is the same day. C. Total/Partial Early Withdrawal of Term Deposits 1. In total or partial premature withdrawal of capital of a simple term deposit, the interest payable to the Customer is reduced equally to the cost of early withdrawal of the capital withdrawn. The cost is calculated on the capital with a discount rate set to 2% for the period remaining until the maturity of the term deposit. The penalty amount should not exceed the amount of interest accrued of the capital withdrawn. 2. In total premature withdrawal of the capital of the term deposit Alpha Monthly Progress : On the anniversary of the product the credit interest is paid in total to the Client with no reduction. On a date different to the anniversary of the product the credit interest of the current compounding period is zero. 3. In total premature withdrawal of the capital of the term deposit Alpha New Era : On the anniversary of the product credit interest is paid in full to the Client with no reduction. On a date different to the anniversary of the product, credit interest of the current compounding period is reduced equally to the cost of early withdrawal of the capital withdrawn. The cost is calculated on the total capital withdrawn with a discount rate set to 2% for the period remaining until the maturity of the three-month compounding period. 4. Regarding other Special Term Deposits of the former Emporiki Bank, when partial or total premature withdrawal of capital is carried out, a special discounting method is applied, which is described, as appropriate, in the respective pre-contractual agreement and in the contract of the Special Term Deposit. 10
SECTION C: CLEAN DOMESTIC COLLECTIONS Transaction Terms: Commissions and Other s 1 CLEAN COLLECTIONS 1.1 Regardless of expiry date (Bills of Exchange, Notes) 0.50% 8 1.2 Extension of Maturity of Bill of Exchange/Note Fixed s 8 1.3 Return of unpaid Bill of Exchange/Note Fixed s 10 1.4 Collection through domestic correspondent bank 0.10% 6 2 COLLECTION FOR PLEDGE 2.1 Regardless of expiry date (Cheques, Bills of Exchange, Notes) 0.70% 8 2.2 Return of unpaid Cheque to the bearer (borne by the bearer) Fixed s 15 2.3 Return of unpaid Bill of Exchange/Note Fixed s 15 2.4 Fees for control of issuers for collections in pledge, per issuer or recipient Fixed s 2 3 OTHER SERVICES 3.1 Electronic update (Maturity Index of Bills of Exchange) Copy of payments record (Maturity Index) Daily Fixed s 55 Weekly Fixed s 45 Monthly Fixed s 35 Collected additionally to any applicable commissions. The charges are carried out on a monthly basis. 11
SECTION D: LETTERS OF GUARANTEE Transaction Terms: Commissions and Other s 1 FOR DOMESTIC BENEFICIARIES 1.1 Tender guarantees 0.50% 30 Per undivided quarter 1.2 Good performance, etc. 1.00% 45 Per undivided quarter 1.3 Advance payment guarantees, payment guarantees, custom duties guarantees (goods etc.) 1.25% 45 1.4 10% retention letters of guarantee 1.15% 30 2 FOR BENEFICIARIES LOCATED ABROAD 0.05% Per undivided quarter. For Alpha Smart Management account holders, 30% discount on the applicable charges. Additional commission rate per undivided quarter for sections 1.1, 1.2, 1.3 and 1.4. 3 IN FOREIGN CURRENCY 3.1 Tender guarantees 0.75% 45 Per undivided quarter 3.2 Good performance, etc. 1.25% 60 Per undivided quarter 3.3 Advance payment guarantees, goods payment guarantees etc. 1.45% 90 4 PREQUALIFICATION LETTERS 4.1 Letter of intent to issue tender guarantee or good performance guarantee Fixed s 90 5 LETTERS OF CREDITWORTHINESS Type A Fixed s 220 Type B Fixed s 450 6 AMENDMENT In Euro Fixed s 20 In Foreign Currency Fixed s 30 7 FORFEITURE In Euro Fixed s 50 In Foreign Currency Fixed s 60 8 ADVICE OF LETTER OF GUARANTEE OR STANDBY L/C WITHOUT OUR BANK S Fixed s 40 ENGAGEMENT 9 ADVICE/AMENDMENT OF LETTER OF GUARANTEE OR STANDBY L/C WITHOUT Fixed s 30 OUR BANK S ENGAGEMENT ISSUANCE OF LETTER OF GUARANTEE 10 GUARANTEED UNDER OTHER BANK S COUNTERGUARANTEE 0.25% 50 Per undivided quarter. For Alpha Smart Management account holders, 30% discount on the applicable charges. 12
SECTION E: FOREIGN EXCHANGE TRANSACTIONS Transaction Terms: Commissions and Other s 1 ISSUANCE OF BANK CHEQUES OR FOREIGN CURRENCY DIRECTED ABROAD 1.1 No supportive documents 0.20% 15 With supportive documents 0.25% 25 1.2 Commission on foreign exchange transaction PURCHASE OF CHEQUES IN FOREIGN 2 CURRENCY 2.1 Issued by the Bank 0.10% 7 30 Collected additionally to the applicable commissions, for every foreign exchange transaction (sale or purchase) related to the issuance or settlement of payment order/bank cheque. 2.2 Issued by other banks in Greece or abroad Liability compensation 2.00% Related to Alpha Exports Development 2.3 Cheques (Bank/Personal) in Euro or Foreign Currency drawn on banks abroad and sent for collection 0.25% 25 Additional courier expenses when the cooperating courier company is used. 3 PURCHASE OF TRAVELLER S CHEQUES Fixed s 2 Per item 4 BANK 4.1 Purchase/Sale of foreign banknotes - Up to Euro 500 Fixed s 7 - From Euro 500.01 up to Euro 2,500 Fixed s 12 - Over Euro 2,500 0.50% 4.2 Euro deposit to foreign currency accounts 4.3 4.4 4.5 4.6 Deposit of foreign banknotes of EU countries to foreign currency accounts in the same or other currency Deposit of foreign banknotes of non-eu countries to foreign currency accounts in the same or other currency Foreign banknotes withdrawal from foreign currency accounts in the same or other currency Euro withdrawal from foreign currency accounts 0.20% 2 0.20% 2 0.40% 10 GENERAL TERMS Minimum amount for opening a deposit account in foreign currency: the equivalent amount of Euro 2,000. Value date two (2) working days. The same day, for Foreign Banknotes of EU countries. Value date four (4) working days for Foreign Banknotes of non- EU countries. Value date four (4) working days. 13
SECTION F: EXPORTS Transaction Terms: Commissions and Other s 1 COLLECTIONS 1.1 Clean Collections (Cheques, Bills of Exchange, Promissory Notes) 0.25% 25 1.2 Extension/Amendment of Collections Fixed s 15 1.3 Documentary Collections 0.40% 25 1.4 Documentary collections free of payment 0.15% 20 1.5 Collections returned unpaid 0.20% 15 1.6 Payment order related to export with no reference to specific transaction - Direct Payment 0.07% 35 2 DOCUMENTARY LETTERS OF CREDIT 2.1 Advice 0.10% 20 2.2 Confirmation (per undivided quarter) 0.25% 35 2.3 Negotiation/Settlement 0.40% 30 2.4 Cancellation Fixed s 20 2.5 Amendment Fixed s 15 2.6 Transfer to another beneficiary 0.20% 20 2.7 Reimbursement Instructions Fixed s 30 2.8 Documents pre-checking Fixed s 40 3 OTHER SERVICES - CHARGES Forward foreign exchange transactions for 3.1 Exports 3.2 Commission on foreign exchange transaction 0.10% 15 0.10% 7 30 3.3 Forfeiture In Euro Fixed s 50 In Foreign Currency Fixed s 60 3.4 Courier Expenses for: European countries Fixed s 25 Non-European countries Fixed s 35 3.5 SWIFT Expenses Forwarding - Advising Letters of Credit to another bank Fixed s 35 Other messages Fixed s 15 For transactions related to Alpha Exports Development 50% discount on the applicable charges. For order amount over the equivalent of Euro 50,000. No advising commission is collected if Confirmation Commission is collected. The Confirmation Commission can be differentiated depending on the credit risk of the country or the bank. It is collected whenever all Documents are presented for pre-checking. Collected additionally to the applicable commissions, for every foreign exchange transaction (sale or purchase) related to the issuance or settlement of payment order/bank cheque. Additional courier expenses when the cooperating courier company is used. 14
SECTION G: IMPORTS Transaction Terms: Commissions and Other s 1 COLLECTIONS Plus SWIFT expenses. 1.1 Settlement of Documentary Collections - Advance Payment: Through the Branches 0.45% 35 Through Alpha Web International Trade 0.30% 25 1.2 Payment of time Collections: Through the Branches 0.30% 20 Through Alpha Web International Trade 0.20% 15 1.3 Extension/Amendment of Collections Fixed s 15 2 DOCUMENTARY LETTERS OF CREDIT Plus SWIFT expenses. 2.1 Issuance 0.30% 40 For Alpha Smart Management account holders, Confirmation 2.2 2.3 (per undivided quarter) Guarantee (per undivided quarter) 0.20% 30 0.80% 45 2.4 Negotiation/Settlement 0.45% 40 2.5 Payment of time Credit 0.30% 20 2.6 Amendment Fixed s 25 2.7 Cancellation Fixed s 30 3 IMPORTS WITHIN THE EUROPEAN UNION UP TO EURO 50,000 3.1 Through the Branches Commission for processing and reporting of Imports data Fixed s 7 Commission for issuance of a payment order to other bank Under SEPA specifications - Up to Euro 5,000 Fixed s 12 - From Euro 5,000.01 up to Euro 50,000 0.15% 15 75 Under non-sepa specifications - Up to Euro 5,000 Fixed s 19 - From Euro 5,000.01 up to Euro 50,000 0.20% 20 100 3.2 Through Alpha Web Banking for Companies Commission for processing and reporting of Imports data Fixed s 5 Commission for issuance of a payment order to other bank - Up to Euro 5,000 Fixed s 1 - From Euro 5,000.01 up to Euro 50,000 Fixed s 3 30% discount on the applicable charges. For Alpha Smart Management account holders, 30% discount on the applicable charges. No additional SWIFT expenses. 15
SECTION G: IMPORTS Transaction Terms: Commissions and Other s 4 OTHER SERVICES - EXPENSES Settlement of Imports through SEPA Direct 4.1 Debit No additional SWIFT expenses. Through the Branches 0.45% 35 Through Alpha Web International Trade 0.30% 25 4.2 Swift expenses for: Issuance of Payment order Fixed s 19 Issuance of an L/C - L/G - SBLC Fixed s 35 Other messages Fixed s 15 4.3 Urgent payment order Fixed s 20 Collected additionally to any 4.4 Payment order with charging option OUR 0.15% 3 100 applicable commissions. 4.5 Cancellation or amendment of payment order Fixed s 25 Plus SWIFT expenses. 4.6 Payment order of agent s commission to the Bank s Branches Fixed s 5 4.7 Forward foreign exchange transactions for imports 0.10% 15 Collected additionally to the applicable commissions, for 4.8 every foreign exchange Commission on foreign exchange 0.10% 7 30 transaction (sale or purchase) transaction related to the issuance or settlement of payment order/bank cheque. 16
SECTION H: SECURITIES Transaction Terms: Commissions and Other s 1 SAFEKEEPING OF SECURITIES 1.1 Safekeeping of securities in physical form (shares, bonds, etc.) 1.2 Safekeeping of securities for collateral of loans or Letters of Guarantee 2 2.1 TEMPORARY REGISTRATION OF CERTIFICATES OF SHARES FOR GENERAL MEETINGS For participation in the General Meetings through deposit of shares in physical form 3 CUSTODY SERVICES 3.1 Safekeeping of Bonds with custodian other than the Bank of Greece 0.40% 50 0.20% Fixed s 60 0.10% 3.2 Custody of Shares of domestic or foreign Undertakings for Collective Investment in Transferable Securities (UCITS) and Mutual Funds units with issuers other than the Group 0.10% 3.3 Transfer of security outside the Group: Bonds Fixed s 50 Mutual Funds (except the Group Company Alpha Asset Management Fixed s 50 A.E.D.A.K.) 3.4 Custody of Institutional Investors 3.4.1 Domestic 3.4.1.1 Portfolio Custody 0.04% 300 3.4.1.2 Settlement of Domestic Transactions 3.4.1.3 Settlement of Foreign Transactions Depending on the market Monthly After a lapse of three months following the deposit, a safekeeping commission of 0.40% is collected, of a minimum amount of Euro 50 per year. If the securities are deposited in advance for safekeeping, no commission is collected. Collected each calendar quarter with percentage calculation on the average balance of the current value of the Securities. Collected each calendar quarter with percentage calculation on the average balance of the current value of the Shares. 3.4.2 Abroad 300 3.4.2.1 Portfolio Custody 0.04% Monthly 3.4.2.2 Transaction Settlement - Cancellation Fixed s 30 Per transaction 3.4.3 3.4.4 Other custodian services (Share Capital Increase, Dividend Payments, Certificates for General Meetings). Third-party charges (A.S.E., C.S.E. etc.) Only for Securities of Customers with Custody Services. In accordance to the applicable Price-list of the Entities. 17
SECTION I: FINANCING Transaction Terms: Commissions and Other s EXPENSES/ FEES 1 ASSIGNMENT OF RIGHTS UNDER LOAN AGREEMENTS AND CERTIFICATIONS 1.1 For certifications and loan agreements: Up to Euro 100,000 0.30% Over Euro 100,000 0.20% 2 CHARGES FOR LOANS 2.1 s for long-term financings in Euro and Foreign Currency Up to Euro 50,000 Fixed s 400 From Euro 50,000.01 up to Euro 150,000 Fixed s 500 From Euro 150,000.01 up to Euro 500,000 Fixed s 800 From Euro 500,000.01 up to Euro 1,000,000 Fixed s 1,200 s for short-term financings in Euro 2.2 and Foreign Currency on the applicable approved limits and LGs. (Original Approval, Renewal, Increase) Up to Euro 20,000 Fixed s 300 From Euro 20,000.01up to Euro 50,000 Fixed s 400 From Euro 50,000.01up to Euro 100,000 Fixed s 450 From Euro 100,000.01up to Euro 500,000 Fixed s 700 From Euro 500,000.01up to Euro 1,000.000 Fixed s 1,200 2.3 Special expenses for securing claims and monitoring loan covers: Easy Business Premises, Easy Equipment, Easy Liquidity Fixed s 50 Cash Business with a balance over or equal to Euro 1,000 Fixed s 200 Collected upon collection of certifications or payment orders. Lump sum payment upon signature of the relevant loan agreement (new contract) or upon Collected once per year in case of original approval or renewal of limits. In case of increase of limits, the charges are collected on the difference amount. Collected per calendar quarter, per loan account. Collected once per year, per loan account. 3 ALPHA BUSINESS AND EASY BUSINESS 3.1 Alpha Business Line of Credit No longer available. Annual Fee for Reassessment of Limit Renewal Fixed s 100 Paid once per year 3.2 Alpha Cash Management One-off Loan Application Assessment Fee Up to Euro 20,000 Fixed s 400 From Euro 20,000.01 up to Euro 50,000 Fixed s 500 From Euro 50,000.01 up to Euro 100,000 Fixed s 600 From Euro 100,000.01 up to Euro 1,000.000 Fixed s 700 Annual fee for Reassessment of Limit Renewal Up to Euro 20,000 Fixed s 200 From Euro 20,000.01 up to Euro 50,000 Fixed s 300 From Euro 50,000.01 up to Euro 100,000 Fixed s 400 From Euro 100,000.01 up to Euro 1,000.000 Fixed s 500 3.2.1 Transaction s: For each transaction over twenty-nine (29) per month, the following charges are applicable: From 30 up to 500 transactions Fixed s 1 Over 501 transactions Fixed s 3 Lump sum payment upon approval. Paid once per year 18
SECTION I: FINANCING Transaction Terms: Commissions and Other s 3.3 Alpha Smart Management One-off Loan Application Assessment Fee Annual Fee for Reassessment of Limit Renewal Transaction Fees 3.3.1 (regardless of number) Alpha Development 3.4 One-off Loan Application Assessment Fee EXPENSES/ FEES Fixed s 200 Lump sum payment upon approval. Fixed s 150 Paid once per year. Fixed s 350 3.5 Alpha Equipment One-off Loan Application Assessment Fee Up to Euro 30,000 Fixed s 300 From Euro 30,000.01 up to Euro 80,000 Fixed s 800 From Euro 80,000.01up to Euro 150,000 Fixed s 1,000 Over Euro 150,000 Fixed s 1,500 3.6 Alpha Commercial Mortgage One-off Loan Application Assessment Fee From Euro 10,000 up to Euro 50,000 Fixed s 500 From Euro 50,000.01 up to Euro 150,000 Fixed s 750 From Euro 150,000.01 up to Euro 500,000 Fixed s 1,500 From Euro 500,000.01 up to Euro 1,000.000 Fixed s 2,000 One-off Extension or Reduction of Loan Tenor Assessment Fee Fixed s 150 Alpha Exports Development 3.7 One-off Loan Application Assessment Fixed s 150 Fee 3.8 One-off Loan Application Assessment Fee (sectoral products): Loan for the purchase of a new TAXI vehicle Fixed s 350 Loan for the purchase of a TAXI license Fixed s 350 Loan for the purchase of a TAXI vehicle and license Fixed s 350 3.9 One-off Loan Application Assessment Fee (sectoral products): 3.10 Loan for Photovoltaic Stations Alpha Green Solutions - Eco Business Up to Euro 50,000 Fixed s 400 From Euro 50,000.01 up to Euro 150,000 Fixed s 600 Over Euro 150,000 Fixed s 800 JEREMIE - Co-financed Loans One-off Application Assessment Fee JEREMIE I/SMEs Fixed s 150 JEREMIE II/Microfinance JEREMIE III/ICT Lump sum payment upon loan Lump sum payment upon loan Fees for lawyers court appearance and for mortgage prenotation as applicable shall be borne by the borrower. Lump sum payment upon loan Lump sum payment upon loan Lump sum payment upon loan Lump sum payment upon loan No longer available. No longer available. For JEREMIE I, II, ΙΙΙ Programmes Original Contract Amendment Fee Fixed s 150 Assessment/Certification s Fixed s 150 For JEREMIE I, II Programmes 19
SECTION I: FINANCING Transaction Terms: Commissions and Other s 3.11 ENTREPRENEURSHIP FUND - BUSINESS RESTARTING Action 3.12 Easy Business open business loan EXPENSES/ FEES 0.50% 100 2,000 Collected upon activation of each loan contract. Annual Fee for Reassessment of Limit Renewal Paid once per year. - From Euro 3,000 up to Euro 10,000 Fixed s 250 - From Euro 10,000.01 up to Euro 30,000 Fixed s 300 - From Euro 30,000.01 up to Euro 100,000 Fixed s 350 Annual Fee for Provision of card for the Easy Business loan Fixed s 50 Paid once per year. 3.13 Easy Plan business loan Annual Fee for Reassessment of Limit Renewal Paid once per year. - From Euro 3,000 up to Euro 10,000 Fixed s 100 - From Euro 10.000,01 up to Euro 30,000 Fixed s 300 - From Euro 30,000.01 up to Euro 100,000 Fixed s 350 3.14 Easy Ecologiko business loan One-off Loan Application Assessment Fee - Up to Euro 50,000 Fixed s 400 - From Euro 50,000.01 up to Euro 150,000 Fixed s 600 - Over Euro 150,000 Fixed s 800 3.15 Easy Overdraft Annual Fee for Assessment and Reassessment Lump sum payment upon approval. - Up to Euro 10,000 Fixed s 200 Paid once per year. - Over Euro 10,000.01 up to Euro 20,000 Fixed s 300 CHARGES FOR EXTENSION OF LOANS IN 4 FOREIGN CURRENCY ON THE CAPITAL EXTENDED 0.30% (For non-eurozone Currencies) 5 INACTIVITY Except for non-withdrawn (Over non-withdrawn amounts for loans amounts for all cases with grace 0.50% 60 within six months from their approval) period until its expiry date. 6 LETTERS OF CREDITWORTHINESS Type A Fixed s 220 Type B Fixed s 450 7 CHARGES FOR LEGAL - TECHNICAL EXAMINATION OF TITLES - s for titles examination Land Registry or Land Office for registration of mortgage prenotation, service of pledge agreement, lawyer s court appearance for mortgage prenotation, as applicable by the relevant Bar Associations, application for, summary and issuance of certificates shall be borne by the borrower. - s for technical examination and certifications/reports on the progress of works shall be borne by the borrower. 20
SECTION I: FINANCING Transaction Terms: Commissions and Other s EXPENSES/ FEES 8 8.1 8.2 8.3 8.4 ALPHA HOUSING LOANS AND HOUSING LOANS OF THE FORMER EMPORIKI BANK One-off Loan Application Assessment Fee Alpha Cash Collateral One-off Loan Application Assessment Fee Alpha Green Solutions - Energy Saving Home One-off Loan Application Assessment Fee One-off Loan Application Assessment Fee for Residence and Business Premises Fixed s 430 Fixed s 350 Fixed s 200 Code 8.1, 8.2, 8.3, 8.4: Collected on the date of first or one-off disbursement of the loan. The fee is independent of the tenor and amount of the loan and related to the borrower s credit assessment, initial assessment of the property value, the final approval and disbursement (minimum charges for collateral monitoring). Code 8.5 The fee is non-refundable and it is collected per examined property before the respective inspections are carried out. - With material collaterals Fixed s 430 - With assignment/pledge of deposits and securities (excluding shares) Fixed s 350 8.5 Title and Technical Inspection Fee Fixed s 420 8.6 Building Works Progress Report Per Order 120 8.7 Fees for Release of Mortgage Prenotation - Release of Mortgage Per Release 50 9 APPLICATION ASSESSMENT FEE FOR EXISTING HOUSING LOAN 9.1 Modification of Loan Repayment Period Fixed s 150 9.2 Change of Housing Loan Programme Change of collaterals/parties involved Partial release of Mortgage Prenotation Fixed s 200 9.3 Change of interest rate on the same product One monthly payment deferral per annum Application assessment for the Payment 9.4 Adjustment Plan Grace period during loan servicing Letter of intent for release of Mortgage 9.5 Prenotation Reissue of copies of contracts 10 CONSUMER LOANS Alpha Consumer Loan for new car 10.1 purchase Application Processing Fees ALPHA 1 2 3 Student and Postgraduate 10.2 Expenses Loan Application Processing Fees Fixed s 50 Fixed s 20 Fixed s 100 Fixed s 120 10.3 Alpha Green Solutions - Green Transport Fixed s 180 10.4 10.5 10.6 Alpha Green Solutions - Energy Saving Home - Consumer Loan Alpha Green Solutions - Energy Saving Home - Photovoltaic Alpha Green Solutions - Energy Saving Home - Consumer Loan Plus Fixed s 180 Fixed s 180 Fixed s 180 GENERAL TERMS: - s for Land Registry or Land Office for registration, modification or release of the mortgage prenotation, service of pledge agreement, lawyer s court appearance as applicable by the relevant Bar Associations, application for, summary and issuance of certificates shall be borne by the borrower. Collected one-off upon Collected one-off upon Collected one-off upon Collected one-off upon Collected one-off upon Collected one-off upon 21
SECTION I: FINANCING Transaction Terms: Commissions and Other s EXPENSES/ FEES 10.7 Consumer Loans through Merchants Fixed s 50 300 10.8 Emporiki Xpress without collaterals (1466) Fixed s 180 10.9 Cash 4U without collaterals for holders of housing loans (1424) Fixed s 180 10.10 Emporiki HomeEcologiko (1460) Fixed s 180 Amendment of contract terms for Consumer Loans with collaterals 10.11 Fixed s 200 Change of cover Partial release of prenotation 11 PERSONAL LOANS 11.1 Alpha All in 1 Application Processing Fees Up to Euro 5,000 Fixed s 120 Over Euro 5,000 Fixed s 180 11.2 Alpha All in 1 with Fixed Interest Rate Application Processing Fees Up to Euro 5,000 Fixed s 120 Over Euro 5,000 Fixed s 180 11.3 Alpha All in 1 with mortgage prenotation 11.4 11.5 11.6 11.7 11.8 11.9 Alpha Epipleon Annual Subscription Alpha Epilogi Annual Subscription Alpha Metron Ariston Application Processing Fees Alpha X12 Application Processing Fees Alpha Initial Installation Expenses Personal Loan Application Processing Fees Alpha House Expenses Consumer Loan Annual Subscription 11.10 Alpha Portfolio Utilisation 11.11 Emporiki Open (1463) Annual Subscription 11.12 Emporiki Credit (1413) Annual Subscription 12 CARDS 12.1 Cards annual fee 22 Collected one-off upon Collected one-off upon Collected one-off upon Collected one-off upon Collected one-off upon The mortgage prenotation expenses shall be borne by the Customer. Fixed s 80 Collected every year Fixed s 180 Collected one-off upon Fixed s 50 Collected one-off Fixed s 180 Collected one-off upon Fixed s 40 Collected every year The pledge agreement expenses shall be borne by the Customer. Fixed s 120 Collected every year. Fixed s 120 Collected every year. 12.1.1 American Express Gold Fixed s 120 12.1.2 American Express Fixed s 30 12.1.3 Alpha Bank Visa Gold Fixed s 50 12.1.4 Bonus Premium American Express Fixed s 24 12.1.5 Alpha Bank Bonus American Express Fixed s 24 12.1.6 Alpha Bank Bonus Visa Fixed s 24 12.1.7 Alpha Bank Bonus MasterCard Fixed s 24 12.1.8 Blue by American Express Fixed s 24 12.1.9 Dynamic American Express Fixed s 17 Up to 2 additional cards: of Euro 60 per card. Up to 2 additional cards: charge. Up to 2 additional cards: of Euro 25 per card. Up to 2 additional cards: charge. Up to 2 additional cards: of Euro 12 per card. Up to 2 additional cards: Euro 12 per card Up to 2 additional cards: of Euro 12 per card. Up to 2 additional cards: of Euro 12 per card. Up to 2 additional cards: charge.
SECTION I: FINANCING Transaction Terms: Commissions and Other s EXPENSES/ FEES 12.1.10 Alpha Bank Visa Business: Alpha Bank Visa Business Gold 1 to 3 cards Fixed s 50 4 cards and over Fixed s 35 Alpha Bank Visa Business Silver 1 to 3 cards Fixed s 35 4 cards and over Fixed s 25 12.1.11 American Express Corporate: Account keeping fees: American Express Corporate Gold 1 to 5 cards Fixed s 44 6 to 15 cards Fixed s 35 16 cards and over Fixed s 29 American Express Corporate Green 1 to 5 cards Fixed s 20 6 to 15 cards Fixed s 17 16 cards and over Fixed s 14 12.1.12 Enter Bonus American Express Fixed s 10 12.1.13 VISA Health benefit Fixed s 30 12.1.14 VISA Classic Health benefit Fixed s 30 12.1.15 MasterCard Health benefit Fixed s 30 12.1.16 VISA Gold Health benefit Fixed s 65 12.1.17 MasterCard Salary Health benefit Fixed s 30 12.1.18 VISA Younique 12.1.19 Antenna VISA Fixed s 30 American Express Corporate Gold Euro 73 American Express Corporate Green Euro 44 12.1.20 Visa Business Fixed s 30 Per card. Expenses for using other networks 12.2 (cash withdrawal from the credit limit from ATMs/Branches of other banks) 12.2.1 Visa Cards Fixed s 1 12.2.2 American Express Cards Fixed s 1.25% on the transaction amount 12.2.3 MasterCard Cards In Greece Fixed s Euro 0.65 + 0.20% on the transaction amount In Europe Fixed s Euro 0.50 + 0.12% on the transaction amount Outside Europe Fixed s 1 12.2.4 Visa Business Credit Cards Fixed s 10 12.3 Statement re-issue fees Fixed s 1 Per statement Up to 2 additional same-number cards: of 50% of the annual fee per card. Up to 2 additional same-number cards: of 50% of the annual fee per card. Up to 2 additional same-number cards: of 50% of the annual fee per card. Up to 2 additional same-number cards: charge. charge for every year provided that there is an active payroll account. Up to 2 additional same-number cards: charge. Up to 2 additional same-number cards: of 50% of the annual fee per card. 12.4 Foreign transaction fees on cross-border transactions Fixed s Up to 2.00% on the transaction amount 23
SECTION I: FINANCING Transaction Terms: Commissions and Other s 12.5 Monitoring and notification fees on cards in arrears 1-29 days overdue EXPENSES/ FEES 30-59 days overdue Fixed s 4 60-89 days overdue Fixed s 6 90-119 days overdue Fixed s 8 24
SECTION J: ELECTRONIC SERVICES Transaction Terms: Commissions and Other s 1 AUTOMATED BANKING 1.1 ΑΤΜs Transactions at the Bank s ATMs by using 1.1.1 cards issued by Alpha Bank/former Emporiki Bank: Cash withdrawal from Alpha Bank/former Emporiki Bank account Deposit on Alpha Bank/former Emporiki Bank account Payment of Alpha Bank/former Emporiki Bank credit card, loan Inquiry for Alpha Bank/former Emporiki Bank credit or deposit account Update on equities portfolio PIN change Card activation Payments to companies (Payment of dues) 1.1.2 For any transaction at other banks ATMs using cards issued by Alpha Bank/former Emporiki Bank Within the Eurozone For cash withdrawal: Up to Euro 150 Fixed s 1.50 From Euro 151 up to Euro 250 Fixed s 1.60 Over Euro 250 Fixed s 1.65 For balance inquiries Fixed s 0.18 For PIN change For PIN unblocking Outside the Eurozone For cash withdrawal (on the withdrawn amount) 1.2 Automated Cash Transactions Centres (ACTCs) Deposit to Alpha Bank/former Emporiki 1.2.1 Bank account Payment of Alpha Bank/former Emporiki 1.2.2 Bank credit card Payment of Alpha Bank loan or Credicom 1.2.3 Consumer Finance Payments to companies 1.2.4 (Payment of dues) Payment of credit card issued by other 1.2.5 bank FOR INDIVIDUALS: ALPHA WEB BANKING, 2 ALPHA MOBILE BANKING, ALPHA PHONE BANKING AND EMPORIKI e.banking 2.1 Subscription 1.00% 4.40 As listed on the Appendix Payments to companies/organisations. As listed on the Appendix Payments to companies/organisations. See Section A, Fund Transfers 25
SECTION J: ELECTRONIC SERVICES Transaction Terms: Commissions and Other s 2.2.1 For Alpha Web Banking and Alpha Mobile Banking subscribers: Use of services/execution of transactions requiring Additional Password through the: Specific device provided by the Bank Fixed s 8 Collected one-off Alpha Safe Access application Fixed s 8 Initial supply with the first Additional Password Device Installation of the Alpha Safe Access application Supply with an extra Additional Password Device or replacement due to loss 2.2.2 For Emporiki e.banking subscribers Services requiring the use of Additional Password: Use of services/execution of transactions requiring Additional Password through the: 2.3 2.4 2.5 2.6 2.7 2.8 Specific device provided by the Bank Initial supply with the first Additional Password Device Supply with an extra Additional Password Device or replacement due to loss Replacement of the Additional Password Device due to malfunction Balances, activity and statements of Alpha Bank/former Emporiki Bank accounts and cards Fund transfers to other Alpha Bank/former Emporiki Bank account from: Alpha Bank/former Emporiki Bank account Alpha Bank credit card (cash advance) Alpha Epilogi Loan Fund transfers to other banks accounts in Greece or abroad Payments to companies/organisations (Payment of dues/contributions) Payment of credit card issued by other bank Application for a cheque-book per cheque form Fixed s 8 Plus VAT Fixed s 12 Fixed s 12 Applies in cases where the device does not operate and is returned to the Branch in a reasonable time period after its supply, in good condition. See Section A, Fund Transfers As listed on the Appendix Payments to companies/organisations. See Section A, Fund Transfers 26
SECTION J: ELECTRONIC SERVICES 3 FOR COMPANIES: ALPHA WEB BANKING AND EMPORIKI e.banking 3.1 Subscription Services requiring Additional Password 3.2 Device: Use of services/execution of transactions requiring an Additional Password Initial supply with the first Additional Password Device Supply with an extra Additional Password Device or replacement due to loss 3.2.2 For Emporiki e.banking subscribers Services requiring Additional Password Device: Use of services/execution of transactions requiring an Additional Password Initial supply with the first Additional Password Device Supply with an extra Additional Password Device or replacement due to loss Replacement of the Additional Password Device due to malfunction Balances, activity and statements of Alpha 3.3 Bank/former Emporiki Bank accounts and cards Fund transfers between Alpha Bank/former 3.4 Emporiki Bank accounts 3.5 Fund transfers to other banks accounts In Greece Abroad (except for commercial transactions) Fund transfers regarding Simple Imports 3.6 within the European Union Payments to companies/organisations 3.7 (Payment of dues/contributions) Payment of credit card issued by other 3.8 bank Application for cheque-book per cheque 3.9 form Electronic payment of payroll and/or 3.10 transfer of amounts with file to predefined Alpha Bank accounts Transaction Terms: Commissions and Other s Fixed s 12 Collected on an annual basis Fixed s 9 Plus VAT Fixed s 20 Fixed s 20 Applies in cases where the device does not operate and is returned to the Branch in a reasonable time period after its supply, in good condition. See Section A, Fund Transfers See Section G, Imports As listed on the Appendix Payments to companies/organisations. See Section A, Fund Transfers 4 ALPHA GLOBAL CASH MANAGEMENT Pricing upon agreement 5 ALPHA WEB INTERNATIONAL TRADE 5.1 Subscription 5.2 per transaction See Section G, Imports 27
SECTION J: ELECTRONIC SERVICES Transaction Terms: Commissions and Other s 6 ALPHA e-pay (Electronic Commerce Service) 6.1 Subscription 6.2 per transaction VISA card 1.90% 0.85 MasterCard card 2.00% 0.85 American Express card 3.50% 0.85 7 ALPHA BANK FILE TRANSFER 7.1 Subscription 7.2 Use for electronic payments of Payroll 7.3 Use for the Electronic Payments Service 7.4 Use for the Payment Collection Service from third-party accounts 7.5 Use for Services of updating with file Pricing upon agreement 7.5.1 Electronic statement with the Bank s specifications The charges are carried out on a monthly basis. Daily Fixed s 15 Except for Weekly Fixed s 10 Monthly Fixed s 5 7.5.2 Electronic statement in MT940 format Fixed s 30 7.5.3 Electronic update (Maturity Index of Bills of Exchange) Copy of payments record (Maturity Index) Daily Weekly Monthly 8 ALPHALINE 8.1 Connection to Alphaline (Installation expenses) Fixed s 295 For Subscribers-members of the SMEXA (Association of Members of the Athens Fixed s 90 Exchanges) 8.2 Alphaline annual subscription Fixed s 175 For subscribers with Alpha Premier or Alpha 500 account Fixed s 60 For Subscribers-members of the SMEXA (Association of Members of the Athens Fixed s 90 Exchanges) companies/organisations included in the Payment Collection Service. See Section C, Clean Domestic Collections, Code 3 28
SECTION K: OTHER SERVICES Transaction Terms: Commissions and Other s 1 PROVISION OF LETTERS 1.1 Letter of recommendation Fixed s 45 1.2 Letter for filling-in data in Tiresias files Fixed s 15 1.3 Letter of certificate to Chartered Accountants (at call) Fixed s 15 2 DATA PROVISION 2.1 Data provision Per application From the electronic file Fixed s 15 From the Branch files Fixed s 20 From the General Archives of the Bank Fixed s 45 For every page beyond the first Euro 1.00. For every page beyond the first Euro 1.00. For every page beyond the first Euro 1.50. 2.2 Asset investigation on behalf of heirs, receivers in bankruptcy, liquidators Up to 5 Branches Fixed s 80 Throughout the entire Network Fixed s 150 3 ACCOUNT STATEMENTS 3.1 Documents Monthly 3.2 Quarterly Weekly Fixed s 9 Daily Fixed s 15 Account documents of the former Emporiki Bank Quarterly Printout and receipt at the Branch Fixed s 1 4 CHARGE FOR SAFE DEPOSIT BOX 4.1 4.2 4.3 Rental of Safe Deposit Boxes Very small, Small, Medium, Big (depending on the size of the deposit box and the location of the Branch) Very Big Giant - 50 180 Upon agreement Alpha Payroll account holders as well as for AlphaPrime Service Customers Rental for the first year charge - Alpha Smart Management account holders (only for Very Small and Small deposit boxes) Rental for the first year charge 4.4 Safe Deposit Boxes guarantee Fixed s - An amount equal to the annual rental Quarterly documents issued in the beginning of April, July, October and January. Quarterly documents issued in the beginning of April, July, October and January. Up to 3 pages. For each additional page, Euro 0.20. Plus VAT After the first year, there is a discount of 50% on the charges currently applicable for the rental. More particularly, for the Alpha Payroll Account, the discount is offered in case the payroll continues to be credited electronically. After the first year, the charges of the Price-list for the rental apply. 29
SECTION K: OTHER SERVICES Transaction Terms: Commissions and Other s 5 5.1 CHARGE FOR LOSS OR DESTRUCTION OF THE SAFE DEPOSIT BOX KEYS Destruction of lock or loss of key of a safe deposit box, permanent or portable: For Branches of the Prefecture of Attica - Thessaloniki Fixed s 60 For Branches of other Prefectures Fixed s 100 6 SWIFT MESSAGES EXPENSES 6.1 Issuing/Forwarding Letters of Credit Fixed s 35 6.2 Issuing/Forwarding Letters of Guarantee Fixed s 35 6.3 Issuing/Forwarding Standby L/C Fixed s 35 6.4 For payment order Fixed s 19 6.5 Other messages Fixed s 15 7 COURIER SERVICES EXPENSES Domestic Fixed s 10 European countries Fixed s 25 Non-European countries Fixed s 35 Plus VAT Collected per message Collected when the cooperating courier company is used. 8 POSTAL EXPENSES Real postage fees are collected 9 CUSTOMERS CASH TRANSPORTATION Cash Counting and Management: Banknotes 0.03% 15 Coins 1.00% 30