COMMISSIONS AND CHARGES FOR BANKING OPERATIONS (with effect from 01/03/2016)

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Garey Jennings
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1 COMMISSIONS AND CHARGES FOR BANKING OPERATIONS (with effect from 01/) REMMITTANCES * 0,6% minimum 6 f transfers up to ,4% minimum 215 and maximum 500 f transfers over Handling charges: when the beneficiary is a customer of another bank 2 F transfers from & to an EU/EEA country, with currency one of the currencies of these countries and charges SHA/ BEN F the remaining Transfers, as when the beneficiary is a customer of our Bank Handling charges: when the beneficiary is a customer of our Bank F transfers in EUR, up to EUR from a bank located within the European Union No charge f transfers in EUR up to f transfers above up to f transfers above up to F all other transfers in EUR INCOMING TRANSFERS SWIFT/SEPA No charge f transfers in EUR up to f transfers above up to f transfers above up to f transfers above F transfers in USD No charge f transfers in USD up to USD 500 USD 10 f transfers above USD500 up to USD USD 20 f transfers above USD1.000 up to USD USD 40 f transfers above USD F transfers in GBP No charge f transfers in GBP up to GBP GBP 15 f transfers above GBP up to GBP GBP 30 f transfers above GBP F transfers in CHF No charge f transfers in CHF up to CHF CHF 3 f transfers above CHF up to CHF CHF 20 f transfers above CHF up to CHF CHF 45 f transfers above CHF F the remaining currencies: The equivalent of 25 accding to the exchange rates

2 * 0,6% minimum 6 f transfers amount up to ,4% minimum 215 and maximum 500,00 f transfers amount over Handling charges - Transfers in EUR, up to EUR50.000, and destined to a bank located within the European Union, Nway, Iceland, Liechtenstein, Switzerland, Monaco and San Marino: Creation: 0,15% of the amount with minimum charge 5 and maximum 12 Guarantee OUR (if requested by customer): 0,07% of the amount with min. charge 7 and max 65. Urgent Processing: 0,05% of the amount with min. charge 10 and max 100. F any other transfers: OUTGOING TRANSFERS SWIFT/SEPA TRANSACTION CONFIRMITION OF INCOMING OR OUTGOING TRANSFERS BY SWIFT OR SEPA Creation: 17 Guarantee OUR (if requested by customer): 0.07% of the amount with min. charge 7 and max 65 Urgent Processing: 0,05% of the amount with min. charge 15 and max 100 (Transfers through Net Banking min. charge 10 and max. 100) Handling Commission: No charge f transfers up to f transfers over up to No charge f transfers up to through Net Banking F all transfers above 5.000, 0,10% of the amount with minimum charge 6 and maximum 350. F transfers through Net Banking, maximum charge 300) Note: F transfers in USD with the indication Guarantee OUR, then, there is an extra charge of $30,00 18 additional charge when the dering customer does not give / gives wrong ΙΒΑΝ of the beneficiary 60 the equivalent of 60 f other currencies, including any charge from the crespondent bank, additional charge f amendments on outgoing SWIFT transfers when there is amendment by the customer on his/her iginal instructions. 4 by fax within Cyprus No Charge by fax within Cyprus through COPS 6 by fax abroad No Charge by fax abroad through COPS No Charge by 8 by Post (within Cyprus and abroad) CHEQUES CHEQUE BOOKS PURCHASE OF CHEQUES IN FOREIGN CURRENCY 50 CHEQUES: 10,50 15 CHEQUES 6,00 0,6% minimum 6 up to ,4% minimum 215 over to (when credited into Euro account) Handling commission: 0,1% minimum 6 and maximum 40 (when credited into feign currency accounts), f feign cheques and cheques of other Local banks Plus 20 charge per cheque issued in USD 2,00 per cheque issued in other feign currency (with effect from 01/01/2016)

3 PURCHASE OF FOREIGN CHEQUES IN EURO 0,6% minimum 6 up to ,4% minimum 215 over to (when credited into Euro account) Handling Commission: PURCHASE OF TRAVELLERS CHEQUES FOREIGN CHEQUES RETURNED UNPAID 0,6% minimum 6 up to ,4% minimum 215 over to Plus 20 charge per cheque (with effect from 01/01/2016) Purchase commission: 1,50% minimum 7 Plus 20 charge per cheque issued in euro/usd 2,00 per Cheque issued in other currency (with effect from 01/01/2016) 50 per cheque (with effect from 01/01/2016) STOP PAYMENT OF CUSTOMER CHEQUES 10 f each cheque maximum 50 REACTIVATION OF STOP PAYMENT OF CUSTOMER CHEQUES 5 f each cheque maximum 20 RETURNED CHEQUES 35 f each cheque returned unpaid due to insufficient funds in the drawer s account 35 f each cheque presented over the counters f cash and returned unpaid due to insufficient funds 6 f each cheque issued with a technical problem including post dated Cheques, which are presented by other Banks. 2 f each cheque deposited into the customer s account and returned unpaid from another bank irrespective of reason ISSUE OF BANKERS DRAFTS IN FOREIGN CURRENCY STOP PAYMENT OF BANKERS DRAFTS ISSUE OF BANKERS DRAFTS IN EURO 0,6% minimum 6 up to ,4% minimum 215 over (when Euro account is debited) Handling commission: 0,10% minimum 6 maximum 350 (when feign currency account is debited) Plus fixed charge 2 f each cheque Cancellation charge 4,00 SWIFT charge 15 f each message ( the equivalent in feign currency), plus the amount charged by the crespondent bank F Drafts payable in Cyprus: 0,15% minimum 6 maximum 12 (when Euro account is debited) F Drafts payable abroad: 0,15% minimum 6 maximum 350 (when Euro account is debited) 0,6% minimum 6 up to ,4% minimum 215 over (when feign currency account is debited) Fixed charge 2 f each cheque REPURCHASE OF 7 - TT buying rate of the date of repurchase.the returned amount shall not be me than the iginal BANKERS DRAFTS amount paid ISSUE OF CHEQUES FROM NET The first three cheques every month are free of charges, over three cheques are charged 3 each

4 SPECIAL PRESENTATION OF CHEQUES TO OTHER BANKS FOREIGN NOTES 40 f each cheque PURCHASE OF FOREIGN NOTES SALE OF FOREIGN NOTES 1,5% minimum 6 when Euro account is credited exchanged into Euro 0,5% f EUR/GBP/USD, 1% f all other currencies, when deposited into feign currency accounts 1,25% minimum 3 maximum 40 when Euro account is debited paid in Euro cash 0,5 % minimum 5 when feign currency account is debited ACCOUNT EXPENSES LEDGER FEES FOR IN EURO AND IN FOREIGN CURRENCY SAFEKEEPING OFFICIAL STATEMENTS AND CORRESPONDENCE AT THE BANK ISSUE OF NON OFFICIAL STATEMENTS OF ACCOUNT STATEMENTS SENT BY FAX POWER OF ATTORNEY TO THIRD PARTY FOR OPERATING ACCOUNT NON EXECUTION OF NOTICE GIVEN TO NOTICE STANDING ORDERS STANDING ORDERS F Current and Trading A/cs 0,15 per accounting entry, 0,30 per cash withdrawal over the counter, minimum charge 2 and maximum charge 7 (fοr individuals) and minimum 5 maximum 30 (f Companies/Legal entities) per month, (except f customers of International Business Centers-IBC) F Savings Accounts: 5 per year F 7 Days Notice A/cs: 1 per month f each month that there is movement, 5 per year when there is no movement during the year when the customer chooses not to receive a monthly statement of account F all other Notice A/cs: 5 per year F Min A/s: 2,50 per year 70 yearly 2, based on the issuance cycle 3 printing of non official interest statement 3 per page f printing copies of official statements 12 f the first 5 pages plus 4 f every 5 additional pages f sending abroad FREE f faxes sent within Cyprus 1 with the opening of the account (plus stamps) 10 at a later stage (plus stamps) 6 f each non executed notice No charge f transfers between accounts of same customer between customer and Hellenic Bank subsidiaries payments of insurance contracts 0,85 stamps on the opening of the standing der 3 f transfers between different customers within Hellenic Bank (only when a debit credit advice is issued) 4 f non execution of standing der due to insufficient funds 5 f opening of an automatic direct debit der 5 f every amendment on outgoing standing ders direct debit ders 2 f every amendment on internal standing ders direct debit ders The charges of Outgoing transfers SWIFT/SEPA section apply f standing ders to third banks

5 STANDING ORDERS FROM NOTICE 2% on the amount of standing der based on the period of the account (e.g. 30 days, 90 days etc.) deducted from the accrued interest of the account (7 days notice accounts are excluded) CERTIFICATES AUDITOR S CERTIFICATES 50 (f Companies), 20 (fοr individuals) f issue of audit s certificates, including statement of collaterals ACCOUNT CERTIFICATES 5 per Account per year OTHER SERVICES INTERNAL TRANSFERS/ WITHDRAWALS Transfers between accounts of same customer in Euro in the same feign currency within the Bank between two feign currency accounts (either same different currency): No charge Transfers between accounts of different customers in Euro in the same feign currency within the Bank: No charge f transfers up to f transfers over Exchange Commission f transfers/ withdrawals when there is currency conversion from/ to Euro SAFE DEPOSIT BOXES UTILITY BILLS PAYMENT OVER THE COUNTER 1 f each bill paid CHANGE OF COINS TO BANKNOTES AND VICE VERSA /DEPOSITS- WITHDRAWALS OF COINS NET BANKING SERVICE SUBSCRIPTION COPIES OF VOUCHERS, CHEQUES etc COST OF TEST KEY DEVICES 0,6% minimum 6 f transfers up to ,4% minimum 215 maximum 500 f transfers over per annum f Small size safe deposit box + VAT + stamps 100 per annum f Medium size safe deposit box + VAT+ stamps 120 per annum f Large size safe deposit box +VAT + stamps 25 per visit + VAT. The first 6 visits every year are Free of charge F amounts up to 50: no charge F amounts over 50: 1,50%, with minimum charge 3 and maximum 25 FREE of charge 5 minimum f each date, plus additional charge depending on the time to find and reproduce the copies 13,95 +VAT f customers who will replace Test Key Tables with Test Key Devices 20+VAT f new customers RETURNED MAIL 5 f each letter if the reason of return lies on the customer FAX INDEMNITY 1 with the opening of the account (plus stamps) AGREEMENT 10 at a later stage (plus stamps) The above is a part of the commissions and charges of Hellenic Bank f banking operations and which are valid as from 01/. The Bank can change any of the above commissions and charges from time to time at the Bank's absolute discretion. Any such change will be notified to the customers by any means the Bank deems appropriate. F services not included above you may contact any of Hellenic Bank branches the Service Line tel (from abroad). *Exchange commission is charged whenever there is conversion between euro and feign currencies. The above commissions and charges are converted into feign currency at the relevant exchange rate which is automatically updated on a monthly basis.

COMMISSIONS AND CHARGES FOR BANKING OPERATIONS (with effect from 01/03/2017)

COMMISSIONS AND CHARGES FOR BANKING OPERATIONS (with effect from 01/) REMMITTANCES * Exchange Commission: 0,6% minimum 6,00 f transfers up to 35.000,00 0,4% minimum 215,00 and maximum 500,00 f transfers