Beneficiaries

Beneficiaries of the account may be either legal entities (SA, GP, SP, LTD, NPID, NPDD) or individuals with commercial activity.

Interest Rate

The rate is negotiable and applies to the entire amount of the deposit. It is defined daily according to the Current Interbank rates Market.

Interest Charge

Interest income is subject to tax (currently 15%).

Renewal

Upon its expiry, the time deposit may be renewed in accordance with the instructions of the client. It may be renewed with capitalization of interest or not.

Early Repayment

There is the possibility of early partial or total repayment, only with the Bank's consent and approval.

Minimum Deposit Amount

20,000.

Duration

3-month or 6-month term deposit.

Currency

Euro.

Annual Interest Rate

Nominal annual gross fixed rate depending the period and amount of deposit as follows:

Amount in Euro	Interest rate
20.000 - 100.000	0,15%
100.000,01 and up	0,25%

Interest Payment

Monthly interest payment (Interest on deposits is subject to 15% taxation in accordance with applicable Greek law).

Bonus

Payment of an additional amount equal to 100% of the total interest period of the deposit. That is, additional 3 months interest on the 3-month Fixed Deposit and 6 months additional interest on the 6-month Fixed Deposit. Thus, the Annual Gross Yield is

Amount in Euro	Total Yield including bonus at expiration date
20.000 - 100.000	0,30%
100.000,01 and up	0,50%

Minimum deposit amount

€10.000.

Duration

One (1) month or three (3) months.

Currency

Euro.

Interest Payment

Receive your interest payment in your connected account every 1 or 3 months, depending on the duration.

Moreover, you have the opportunity to:

Make one early withdrawal of up to 20% of the capital at no charge.

Receive notification with an SMS/Viber message or an e-mail on the dates of your time deposit interest’s beginning, expiration and yield.

Interest Rate Ranges

Amounts	1Μ initial duration	3Μ initial duration
€ 10.000 - € 50.000	0,30%	0,20%
€ 50.001 and up	0,50%	0,30%

* The interest rates mentioned are gross fixed annually. The deposit interests are subject to taxation according to the applicable Greek tax legislation (currently at 15%).