(b) For acquiring or retaining ownership rights in land or in existing buildings or buildings under construction.

GENERAL INFORMATION REGARDING CREDIT AGREEMENTS GOVERNED BY THE LAW ON CREDIT AGREEMENTS FOR CONSUMERS RELATING TO RESIDENTIAL IMMOVABLE PROPERTY OF 2017 1. Details of creditor HELLENIC BANK PUBLIC COMPANY LTD (the Bank) 2. Purposes for which the credit may be used (a) For any lawful purpose, provided that it is secured either by a mortgage on the residential immovable property or by a right related to residential immovable property. (b) For acquiring or retaining ownership rights in land or in existing buildings or buildings under construction. The person to whom the credit is granted is a consumer. 3. Forms of security Depending on the type of credit facility and the facts of each case, the Bank may request one or more of the following types of security: Mortgage over the immovable property to be purchased or over the land on which the property will be erected Assignment of the rights of a sale contract and the written irrevocable undertaking to mortgage the property upon issuance of separate title deeds Mortgage over an immovable property other than the property to be purchased or the land on which the property will be erected Assignment in favour of the Bank of a life and permanent total disability insurance or simple life insurance Assignment in favour of the Bank of a fire and earthquake insurance on the immovable property to be mortgaged in favour of the Bank Contractor s all risks insurance Personal guarantee(s) Corporate guarantee Bank guarantee in favour of the Bank Pledging of cash Assignment of income in favour of the Bank Pledging of shares in favour of the Bank It is noted that the immovable property to be mortgaged must be situated in Cyprus. 4. Possible duration of the credit agreement Until the 65 th year of age of the person(s) to whom the credit facility will be granted. With respect to loans, and provided that the consumer will not exceed the age of 65 years old upon maturity of the loan, the minimum and maximum duration of the loan agreement will be determined depending on the type of loan. For more information on the maximum duration of loans offered by the Bank, please visit the Bank s website. 5. Types of available borrowing rate 1. Floating (variable) Interest Rate, which consists of a base rate and a margin. The available base rates, today, are as follows: Hellenic Bank s Main Base Rate Euribor Base Rates Libor Base Rates Deposit Rate (in case the credit facility is secured by pledging of cash) CR(TB)53 1/2018 1

It is noted that the above base rates are not available for all types of credit facilities. In case the borrowing rate is floating, this means that the percentage of the base rate and, accordingly, the percentage of the borrowing rate, may vary throughout the duration of the credit agreement. The margin, i.e. the increment on the base rate, may increase pursuant to an express provision in the relevant credit agreement between the Bank and the consumer and/or upon written agreement between the parties (including an amendment agreement to the relevant credit agreement) and/or in accordance with applicable legislation. Accordingly, in relation to loans, where it is agreed that the amount of the instalments will be: fixed, this means that an increase in the borrowing rate will result in either (i) the extension on the date of repayment of the loan or (ii) the increase in the amount of the last instalment. variable, this means that an increase in the borrowing rate will result in an increase in the amount of each instalment in order for the loan to be repaid by the date of repayment. For more information on the above base rates please visit the Bank s website and see the attached Appendix A. 2. Fixed Interest Rate, which remains unchanged throughout the duration of the credit agreement. This means that the borrowing rate will not be affected by any increases in the above base rates but, accordingly, you will not benefit from any reductions in the above base rates. Therefore, the amount of the instalments is not affected by any variations of the base rate. In the event of early repayment of the credit during a period for which the borrowing rate is fixed, the Bank is entitled to compensation, which is calculated in accordance with the mathematical formula set out in the attached Appendix B. It is noted that the fixed interest rate is not available for all types of credit facilities. 3. Combination of Fixed and Floating Interest Rate. This means that the borrowing rate is fixed for a specific period and then it becomes floating. For the duration that the borrowing rate is fixed, the above information regarding fixed interest rate, applies. For the duration that the borrowing rate is floating, the above information regarding floating interest rate, applies. It is noted that the combination of fixed and floating interest rate is not available for all types of credit facilities. 6. Currencies in which the Bank provides credit facilities The Bank provides credit facilities in the following currencies: Euro (EUR) US Dollar (USD) Pound Sterling (GBP) Credit facility in foreign currency In case the credit facility is: (a) denominated in a currency other than that in which the consumer receives the income or holds the assets from which the credit facility is to be repaid; or (b) denominated in a currency other than that in which the consumer is resident, the said credit facility is deemed to be a foreign currency credit facility. WARNING in relation to foreign currency credit facilities: You could be facing an exchange rate risk due to exchange rate fluctuations, which you must be in position to assess before entering into the relevant credit facility agreement. 7. Representative example The example concerns a housing loan for the amount of 100.000 with 25 years duration. Total Amount of the Credit: 100.000 Total Cost of the Credit: 44.417 Total Amount Payable: 144.417 APRC: 3,43% The following has been taken into account for the purposes of calculating the APRC: Α. Borrowing Rate: Hellenic Bank s Main Base Rate 1,26% + Margin 1,14% = 2,40% CR(TB)53 1/2018 2

Β. One off Charges: Bank s arrangement fees: 500* Bank s legal documentation fees: 100* Stamp duties for the loan documents: 6 Stamp duties for the documents relating to the securities: 156,50 Mortgage registration fees calculated as follows: 1% on the amount of the mortgage plus 10: 1,010 Property valuation fees: 150 *No arrangement or legal documentation fees apply in relation to certain loan schemes. C. Regular Charges (not included in the instalment amount): Life insurance (Bank assurance) costs: 3,5 per thousand per year** Immovable property insurance costs (fire and earthquake insurance): 185 per year** Assumptions for the calculation of the APRC: (a) The loan agreement is to remain valid for the period agreed. (b) The borrowing rate will remain fixed in relation to the level set at the conclusion of the loan agreement, for the whole duration of the loan agreement. (c) Full and immediate disbursement of the total amount of the loan. **The life and immovable property insurance costs are indicative and can possibly vary depending on the insurance company that the consumer ultimately chooses to collaborate with, and the consumer s characteristics (including age and profession). 8. Possible additional charges not included in the total cost of the credit Charges arising from non-compliance with contractual obligations Transfer fees relating to the immovable property which is the subject of the credit agreement 9. Available repayment options Depending on the type of the loan, the following repayment options are available: Regular and equal monthly / quarterly / half-yearly instalments which cover capital and interest. Provided that certain conditions are satisfied, a grace period of up to 24 months may be granted. Throughout the duration of the grace period, only interest is paid. Upon the expiry of the said period, regular and equal monthly / quarterly / half-yearly instalments will have to be made which cover capital and interest. Depending on the characteristics of each case and the needs of the consumer, a special repayment schedule may also be agreed with the Bank. 10. Warning You are hereby warned that compliance with the terms and conditions of the credit facility agreement does not guarantee the repayment of the total amount of the credit facility under the credit facility agreement. For example, the repayment of the total amount of the credit facility under the credit facility agreement may be affected as a result of: (a) an increase in the borrowing rate (if the borrowing rate is floating), (b) exchange rate fluctuations (in case of a foreign currency credit facility), (c) an increase in Bank s charges. 11. Early repayment You have the right to early (full or partial) repayment of the credit, prior to the expiry of the relevant credit agreement, upon filing a request to the Bank. In case of early repayment, the total cost of the credit to the consumer shall be reduced by the amount of interest and charges for the remaining duration of the credit agreement. In such case, the Bank may claim administrative expenses directly related to the early repayment, the amount of which shall not exceed either 1.25% of the reduction mentioned above or the amount of 100, whichever is the lower. Furthermore, in cases where the early repayment falls within a period for which the borrowing rate is fixed, the Bank is entitled to compensation pursuant to section 25(3) of the Law on Credit Agreements for Consumers relating to Residential Immovable Property of 2017 (as it may be amended or replaced from time to time). The maximum amount of compensation depends on several factors, including: the balance of the loan at the time of the early repayment; the fixed interbank rate applicable at the beginning of the fixed interest rate period; the fixed interbank rate that was in force on the day before the early repayment day; the interest rate at the time of early repayment; the time corresponding to the period from the day of early repayment of the entire credit agreement until the applicable day of each balance; CR(TB)53 1/2018 3

the duration of the fixed interest rate period. For more information on the mathematical formula for calculating such compensation, please see the attached Appendix B. 12. Valuation of immovable property It is mandatory to perform a valuation of the immovable property to be mortgaged in favour of the Bank and/or to be purchased by the consumer, by a valuer designated by the Bank. Valuation costs are borne by the consumer. 13. Ancillary services As a condition to the granting of the credit, the Bank may request the consumer to purchase the following ancillary services, depending on the type of the credit: insurance coverage of the immovable property to be mortgaged in favour of the Bank life and permanent total disability insurance or simple life insurance The above insurance policies are offered by the insurance companies of the Bank s Group, However, the consumer reserves the right to choose his or her own insurance provider, provided that his or her insurance policy has an equivalent level of guarantee as the insurance policy proposed by the Bank. 14. Warnings POSSIBLE CONSEQUENCES OF NON-COMPLIANCE WITH THE OBLIGATIONS / COMMITMENTS LINKED TO THE CREDIT AGREEMENT (a) The Bank may terminate the operation of the credit facility account and demand the immediate repayment of the outstanding amount of the credit facility including capital, interest, default interest, commission, fees, expenses, charges and other costs. (b) Legal or other proceedings may be initiated by the Bank against the consumer and the consumer s guarantors / security providers, for the repayment of the debt and any court or other expenses that may occur, until full and final settlement of the debt. (c) The Bank may proceed with the foreclosure and/or seizure of the mortgaged property. (d) The Bank may exercise its right of set-off and/or lien. (e) In case of instalment arrears or in case of excesses, a 2% default interest rate will be charged, in addition to the applicable borrowing rate. (f) The Bank may charge any of the consumer s accounts with the cost of sending notification letters to them and/or to their guarantors /security providers, for any instalment arrears or excesses. (g) The granting of future or other credit facilities may become difficult as you run the risk of entering the Artemis Register. You are hereby warned that the Bank may proceed with the foreclosure and/or seizure of the mortgaged property. This document is purely informative and does not bind the Bank. The information contained herein may change without notice. CR(TB)53 1/2018 4

APPENDIX A Hellenic Bank s Main Base Rate It is the Bank's main base borrowing rate, which is linked to the Index of the Central Bank of Cyprus and is revised quarterly on the 16 th of February, the 16 th of May, the 16 th of August and the 16 th of November of each calendar year. Information on the methodology of calculating the Main Base Rate of Hellenic Bank, as well as the conditions and parameters based on which the methodology may change, can be found on the Bank s website at the following link: https://www.hellenicbank.com/portalserver/hb-en-portal/en/personal-banking/divider/charges Euribor rates These are defined as the borrowing rates in Euro on the interbank money market, as fixed by the European Money Markets Institute (EMMI). The Euribor is announced two working days before the start of each interest period (as determined in the credit facility agreement), in the financial news bulletins of Thomson Reuters and Bloomberg or any other service or organisation as the Bank may in the future determine in writing or by announcement in the daily press. Libor rates These are defined as the borrowing rates for credit facilities in the currency of the requested facility, issued by the ICE Benchmark Administration for a period equal to the interest period (as determined in the credit facility agreement). The Libor rate applicable to your credit facility will be the rate announced two working days before the start of each interest period (as determined in the credit facility agreement), in the financial news bulletins of Thomson Reuters and Bloomberg or any other service or organisation as the Bank may in the future determine in writing or by announcement in the daily press. Deposit rate It is defined as the applicable interest rate of the deposit held in a Current Account or a Notice Account or a Fixed-Term Account blocked / to be blocked for the purpose of securing the credit facility. CR(TB)53 1/2018 5

APPENDIX B Calculation of the maximum amount of compensation to the Bank due to early repayment of the entire credit agreement COMPENSATION = Whereby: Compensation = the maximum amount of compensation to the Bank due to early repayment of the entire credit agreement, in decimal format (up to two decimal places). Bt = the outstanding balance of the loan at time t, provided that no early repayment of the entire credit agreement has occurred. Rd = the fixed interest rate on the interbank market at the beginning of the fixed interest rate period for a period equal to the fixed interest rate period in the credit facility agreement. Rc = the fixed interest rate on the interbank market that was in force on the previous day of the early repayment of all or part of the credit agreement for a period equal to the period from the early repayment date to the contractual maturity of the fixed interest rate. t = the time corresponding to the period from the day of early repayment of the entire credit facility until each balance date. For fixed rate loans until maturity: the remaining repayment term of the loan, expressed in years or fractions of a year. n = for fixed rate loans for a specific initial period x: the residual time after the early prepayment of the initial period x, expressed in years or fractions of a year. Ri = the discount rate is equal to the fixed interest rate of the loan. Remarks: i. The calculation of the compensation to the Bank because of an early repayment of the entire credit facility is calculated after settlement of any amount relating to arrears, overdue interest, interest on arrears and any other charges included in the total loan balance on the early repayment date. ii. iii. iv. In the case of a negative interest rate differential, where the fixed interest rate on the interbank market Rc exceeds the fixed interest rate on the interbank market Rd, the Bank may be reimbursed only for administrative expenses The time intervals t between the dates taken into account in the calculation are expressed in years or fractions of the year. The year is considered to be 365 days (for leap years 366 days), 52 weeks, or 12 equal months. Equal month has 30,41666 days (ie 365/12), whether it is a leap year or not. In the case of a fixed interest rate loan for a specific initial period x, the amount of the compensation is calculated for the remainder of the fixed interest rate period. v. interest rates Rd, Rc and Ri are adjusted to reflect the corresponding t-period of the respective loan balance (Bt). For example, if the time is expressed in months the interest rates are divided by 12. CR(TB)53 1/2018 6