						Deposits - Rates & Charges

Retail

Savings Accounts

Account			Escalating Interest Rates			Total Annual		Remarks
				Real Return

NBG SAVINGS			€0.01 - €100,000			0.01%		0.009%		Minimum initial deposit: Not re-

		€100,000.01 and over			0.02%		0.017%		quired




			€0.01 - €10,000	0.01%		0.009%
EUROPEAN SAVINGS									Minimum initial deposit:
	€10,000.01 - €100,000	0.01% (*)		0.009%
				€10,000

			€100,000.01 and over	0.05% (*)		0.043%

Although the normal rates for "European Savings" account are: for €10,000 - €50,000: the ECB rate less 2.25 points / for €50,000.01 - €150,000: the ECB rate less 1.75 points / for over €150,000.01: the ECB rate less 0.75 points, the above-listed special rates apply from 17/3/2016. The above privileged rates for European Savings account apply under the condition that less than 6 debit transactions (with- drawals, transfers, clearing transactions etc.) are made on the account semi-annually at our branch counters. Otherwise, for the calendar 6-month period during which more than 6 debit transactions were made, the effective interest rate for European Savings shall apply, as the case may be.

Current Accounts

Account		Escalating Interest Rates			Total Annual		Remarks
			Real Return

CURRENT ACCOUNT		€0.01 - €100,000			0.01%		0.009%		Minimum initial deposit:

	€100,000.01 and over			0.02%		0.017%		Not required



"Financial Support for	€0.01 - €100,000	0.01%		0.009%
Farmers"								Minimum initial deposit:

CURRENT ACCOUNT	€100,000.01 and over	0.02%		0.017%		Not required

Updated: 17/01/2020

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Deposits - Rates & Charges

Retail

Privileged Product Bundles

Value Bundle

Account			Escalating Interest Rates			Total Annual					Remarks
				Real Return

NBG SAVINGS			€0.01 - €100,000			0.01%			0.009%				Minimum initial deposit:

		€100,000.01 and over			0.02%			0.017%					Not required




CURRENT ACCOUNT			€0.01 - €100,000			0.01%			0.009%				Minimum initial deposit:

		€100,000.01 and over			0.02%			0.017%					Not required




Premium Bundle

Account			Escalating Interest Rates			Total Annual					Remarks
				Real Return

NBG SAVINGS			€0.01 - €100,000			0.01%			0.009%				Minimum initial deposit:

		€100,000.01 and over			0.02%			0.017%					Not required




CURRENT ACCOUNT			€0.01 -	€100,000			0.01%			0.009%				Minimum initial deposit:

		€100,000.01 and over			0.02%			0.017%					Not required




Deposit Multiproducts

Account			Stepped Interest Rates			Total Annual Real			Remarks
				Return

NBG CHILDREN			€0.01 - €10,000			0.02% (*)			0.017%					Minimum initial deposit: €50
(savings)			€10,000.01	and over			0.05% (*)			0.043%

			€0.01	- €1,000	0.50%		0.431%					Minimum initial deposit:
															Not required
			€1,000.01 - €60,000	0.03%		0.026%

SALARY BASIC (**)														The privilleged interest rates

(current account)
	€60,000.01 and over	0.01%		0.009%					shall be applicable for as long

								as the account continues to

															be credited with payroll.

Although the normal rate for deposits to NBG Children account for amounts of €0.01 up to €10,000 should equal the ECB's rate minus 0.75 points/ for over €10,000.01: the ECB rate, the above-listed rate applies from 17/3/2016.(**) "Salary Basic" is a product which is of- fered following special approval and is aimed at businesses that need to carry out mass payroll transactions for their staff. Accordingly, it is not addressed to individual salaried employees.

Account

Escalating Interest Rates

Total Annual Real

Remarks

Return

€0.01

- €1,000

0.50%

0.431%

Minimum initial deposit:

Not required

SALARY REWARD

The privilleged interest rates

€1,000.01 - €60.000

0.03%

0.026%

(savings or current account)

shall be applicable for as long

as the account continues to

€60,000.01 and over

0.01%

0.009%

be credited with payroll or

pension funds.

Updated: 17/01/2020

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							Deposits - Rates & Charges

Retail
Deposit Multiproducts
Account				Escalating Interest Rates			Total Annual Real			Remarks
					Return

			€0.01	- €1,000	0.70%		0.604%			Minimum initial deposit:
						Not required

SALARY VALUE
	€1,000.01 - €60.000	0.10%		0.086%			The privilleged interest rates
(savings or current account)
											shall be applicable for as long

			€60,000.01 and over	0.02%		0.017%			as the account continues to
						be credited with payroll

PROFESSIONAL PLUS			€0.01 - €100,000			0.01%			0.009%			Minimum initial deposit:

(savings or current account)			€100,000.01 and over			0.03%			0.026%			Not required


FARMERS PLUS		€0.01 - €100,000	0.01%		0.009%			Minimum initial deposit: Not

(current account)		€100,000.01 and over	0.03%		0.026%			required


			€0.01 - €1,000			0.50%			0.431%
STUDENT LIFE
		€1,000.01 - €60,000			0.03%			0.026%			Minimum initial deposit:
(current account)									Not required

			€60,000.01 and over			0.01%			0.009%

PROFESSIONAL PLUS -		€0.01 - €3,000	0.10%		0.086%

FOR ENGINEERS MEM-		€3,000.01 - €100,000	0.15%		0.129%			Minimum initial deposit:
BERS OF ΤΕΕ					Not required

(current account)		€100,000.01 and over	0.25%		0.216%


FAMILY FAST			€0.01 - €100,000			0.01%			0.009%			Minimum initial deposit:

(savings account)			€100,000.01 and over			0.02%			0.017%			Not required

Updated: 17/01/2020

4 / 22

Deposits - Rates & Charges

Retail

Time Deposit Accounts

Account

Interest Rates

Remarks

Deposit level

Interest Rate

3-month time deposit offered to in-

dividuals exclusively via NBG's

i-bank Internet Banking.

The interest rate is determined on

the basis of the deposit level and

«e - 3ΜHNO»

remains

fixed throughout

the

€3,000 - €200,000

deposit period.

TIME DEPOSIT

0.30%

Minimum deposit: €3,000

Maximum deposit: €200,000

Detailed

information provided

via

NBG's i-bank Internet Banking.

Duration

Interest Rate

"MONTHLY"

Minimum initial deposit:

6 months

0.25%

TIME DEPOSIT

€20,000

12 months

0.30%

TIME DEPOSIT

The interest rate is determined on the basis of the deposit level

Minimum initial deposit:

and term and remains fixed throughout the deposit period. For

ACCOUNTS IN EURO

€3,000

amounts over €330,000, the interest rate is negotiable.

Updated: 17/01/2020

5 / 22

							Deposits - Rates & Charges

Business Banking

Sight Accounts

Account			Escalating Interest Rates			Total Annual		Remarks
				Real Return

			€0.01 - €10,000				0.01%		0.009%
											Minimum initial deposit:
BUSINESS BASIC			€10,000.01 - €100,000				0.03%		0.026%
										Not required

			€100,000.01 and over				0.05%		0.043%

			€0.01 - €10,000		0.03%		0.026%
BUSINESS PRESTIGE										Minimum initial deposit:
	€10,000.01 - €100,000		0.05%		0.043%
							Not required

			€100,000.01 and over		0.10%		0.086%


Deposit Multiproducts

Account			Escalating Interest Rates			Total Annual		Remarks
				Real Return

PROFESSIONAL PLUS			€0.01 - €100,000				0.01%		0.009%		Minimum initial deposit:
(savings or current account)			€100,000.01 and over				0.03%		0.026%		Not required

FARMERS PLUS		€0.01 - €100,000		0.01%		0.009%		Minimum initial deposit:
(savings or current account)		€100,000.01 and over		0.03%		0.026%		Not required

PROFESSIONAL PLUS -			€0.01 - €3,000				0.10%		0.086%
FOR ENGINEERS MEM-			€3,000.01 - €100,000				0.15%		0.129%		Minimum initial deposit:
BERS OF ΤΕΕ			€100,000.01 and over				0.25%		0.216%		Not required
(current account)


Time Deposit Accounts

Account					Interest Rates				Remarks
TIME DEPOSIT			The interest rate is determined on the basis of the deposit level			Minimum initial deposit:
		and term and remains fixed throughout the deposit period. For
ACCOUNTS IN EURO					€3,000
		amounts over €330,000, the interest rate is negotiable.

Updated: 17/01/2020

6 / 22

		Deposits - Rates & Charges

Corporate Banking

Sight Accounts

Account		Interest Rates			Remarks
SIGHT ACCOUNT		Not interest bearing or at a negotiable rate, as the case may be			Minimum initial deposit:
			€750


FUNCTION SIGHT	Not interest bearing or at a negotiable rate, as the case may be		Minimum initial deposit:
ACCOUNT		€1,000



Time Deposit Accounts

Account		Interest Rates			Remarks
TIME DEPOSIT		The interest rate is determined on the basis of the deposit level			Minimum initial deposit:
	and term and remains fixed throughout the deposit period. For
ACCOUNTS IN EURO				€3,000
	amounts over €330,000, the interest rate is negotiable.

Deposits in Euro - Notes

Escalating interest rates: a single interest rate applies to the total balance of the account, at the rate applicable to the particular range within which that balance stands.
Stepped interest rates: the interest rate is stepped as the balance of the account rises (i.e. a different interest rate applies to the rising parts of the deposit). Stepped interest rates apply to "NBG Children" account.
TARR: The Total Annual Real Return (TARR) is calculated on the assumption that the amount deposited and the interest rate do not change during a 365-day year and the six-month interest (or the one-month interest for NBG Sight account) is not withdrawn. Accordingly, as shown above, the TARR reflects the rates after tax withholding (currently 15%) and after 6-month (or one-month for NBG Sight account) compounding.
Interest posting: Interest on interest-earning accounts is posted biannually (30 June & 31 December), with the exception of NBG Sight account for individuals and legal entities where interest is posted on a monthly basis. Interest is calculated on an actual/360 day basis. Interest on time deposits is calculated on a maturity date basis, unless otherwise stated. Interest is subject to tax deduction of 15% in favour of the Greek state.
Debit balances: Any debit balances of deposit accounts are charged with interest at an agreed rate depending on the type of the account and the origin of such debit balances (value date violation, overdraft etc.).
ECB Intervention Rate: 0.00% (applicable from 16/3/2016)

Updated: 17/01/2020

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						Deposits - Rates & Charges

Deposits in Foreign Currency

Account		Interest Rates				TARR after tax			TARR without			Remarks
				withholding			tax withholding

		US Dollar (USD)		0.10%		0.086%		0.101%

		Swiss Franc (CHF)			0.02%			0.017%			0.020%
		Canadian Dollar (CAD)		0.25%		0.216%		0.254%

		Swedish Krona (SEK)			0.01%			0.009%			0.010%
		Norwegian Krone (NOK)		0.25%		0.216%		0.254%

FOREIGN CUR-		Danish Krone (DKK)			0.03%			0.026%			0.030%		Minimum initial deposit:
RENCY SAVINGS		Japanese Yen (JPY)		0.00%		0.00%		0.00%
						the equivalent of €300.
ACCOUNT		Australian Dollar (AUD)			0.25%			0.216%			0.254%

		Romanian Leu (RON)		1.00%		0.864%		1.016%

		Turkish Lira (TRY)			5.00%			4.355%			5.134%

		British Pound (GBP)			0.10%			0.093%			0.100%
		S. African Rand (ZAR)		4.00%		3.736%		4.040%

		Hong Kong Dollar (HKD)			0.10%			0.093%			0.100%

		US Dollar (USD)		0.10%		0.086%		0.101%

		Swiss Franc (CHF)			0.02%			0.017%			0.020%
		Canadian Dollar (CAD)		0.25%		0.216%		0.254%

		Swedish Krona (SEK)			0.01%			0.009%			0.010%
		Norwegian Krone (NOK)		0.25%		0.216%		0.254%
FOREIGN CUR-
	Danish Krone (DKK)			0.03%			0.026%			0.030%
RENCY		Japanese Yen (JPY)		0.00%		0.00%		0.00%			Minimum initial deposit:
SIGHT							the equivalent of €300.

	Australian Dollar (AUD)			0.25%			0.216%			0.254%
ACCOUNT
	Romanian Leu (RON)		1.00%		0.864%		1.016%


		Turkish Lira (TRY)			4.00%			3.477%			4.097%

		British Pound (GBP)			0.10%			0.093%			0.100%
		S. African Rand (ZAR)		3.50%		3.266%		3.531%

		Hong Kong Dollar (HKD)			0.10%			0.093%			0.100%

FOREIGN CUR-		The interest rate is determined on the basis of the deposit level, the currency, and
RENCY		the deposit term and remains fixed throughout the deposit period. Time deposits in			Minimum initial deposit:
	foreign currency are offered for: US Dollar (USD), Swiss Franc (CHF), British Pound			Depending on the cur-
TIME DEPOSIT
	(GBP), Swedish Krona (SEK), Norwegian Krone (NOK), Danish Krone (DKK), Canadian			rency.
ACCOUNTS
	Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), and Turkish Lira (TRY).

Deposits in Foreign Currency - Notes

1. Interest posting: Interest is calculated on the following basis:

For British Pound (GBP), S. African Rand (ZAR) and Hong Kong Dollar (HKD): Actual/365 [i.e. the actual days of accrual divided by a calendar year of 365 days].
For all other currencies: Actual/360 [i.e. the actual days of accrual divided by a business year of 360 days].

TARR: The Total Annual Real Return (TARR) is calculated on the assumption that the amount deposited and the interest rate do not change during a 365-day year and the six-month interest is not withdrawn. Accordingly, as shown above, the TARR reflects the rates after tax withholding (where tax on interest is withheld, currently 15%) and after 6-month compounding.
Withdrawal of foreign banknotes from FX deposit accounts is free of charge.

Updated: 17/01/2020

8 / 22

			Deposits - Rates & Charges

Deposit Account Cards
DEBIT MASTERCARD/ DEBIT VISA (Retail)
1.	One-off issuance fee of the Card	Free of charge
2.	One-off reissuance fee following loss/theft/damage/non-automated renewal of the Card		€6
3.	One-off renewal fee of the Card		€6

4.	Fee for immediate issuance and dispatch abroad	€15
5.	PIN reissue		Free of charge
				up to 16/2/2020		from 17/2/2020
					2% of the
				2% of the
6.	FX Conversion Fee for purchases in currency other than €		amount of the
amount of the
					purchase with
				purchase
					min €1


7.	Transactions via NBG's i-bank ATM network:
		Cash withdrawal / Cash deposit/ Money transfer between NBG account (own account or of
	7.1	third parties) / Balance inquiry / Credit card installment payment/ Card activation/ Change	Free of charge
		of PIN
	7.2	Issue of mini-statement	Free of charge

	7.3	Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions,	As quoted in the relevant section, un-
	Chambers, Municipalities and Municipal Undertakings, other companies, donations etc)	der"Rates and charges for other basic

	7.4	Money transfer in Euro	banking transactions"
8.	Transactions in € via other Banks' ATM or POS network in Greece and abroad:
	8.1	Cash withdrawal from account (DIASNET- CIRRUS/MAESTRO- Mastercard- Visa)*:
		8.1.1	Amounts up to €150	€1.30
		8.1.2	Amounts from €150.01 to €250	€1.40
		8.1.3	Amounts over €250	€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)
	Note:Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos
	Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades,
	Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu,
	Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.

9.	Transactions in currency other than € via other Bank's ATM or POS network in Greece and abroad:
				up to 16/02/2020
				1% of the with-		from 17/02/2020
	9.1	Fee for cash withdrawal for transactions in currency other than €	drawal amount		€4
				with min €3 &		per transaction
				max €5
				from 17/02/2020
10.	FX Conversion Fee for cash withdrawals in a currency other than €	2% on the transaction amount with a
				minimum charge of €1
11.	Dispatch of monthly statement by mail1	3€/month
12.	Account balance enquiry via other banks' ATMs:
	12.1	within the Euro area	€0.20
	12.2	outside the Euro area	€0.30

Updated: 17/01/2020

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			Deposits - Rates & Charges

Deposit Account Cards
ΕΘΝΟCASH PLUS / (Retail)
1.	PIN reissue			Free of charge
					up to 16/2/2020	from 17/2/2020
					2% of the
					2% of the
2.	FX Conversion Fee for purchases in currency other than €		amount of the
	amount of the
					purchase with
					purchase
					min €1

3.	Transactions via NBG's i-bank ATM network:
		Cash withdrawal / Cash deposit/ Money transfer between NBG account (own account or of
	3.1	third parties) / Balance inquiry / Issue of mini-statement / Credit card installment payment		Free of charge
		/ Card activation/ Change of PIN
	3.2	Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions,		As quoted in the relevant section, un-
	Chambers, Municipalities and Municipal Undertakings, other companies, donations etc)		der"Rates and charges for other

	3.3	Money transfer in Euro		basic banking transactions"
4.	Transactions in € via other Banks' Atm or Pos network in Greece and abroad:
	4.1	Cash withdrawal from account (DIASNET- CIRRUS/MAESTRO- Mastercard ):
		4.1.1	Amounts up to €150		€1.30
		4.1.2	Amounts from €150.01 to €250		€1.40
		4.1.3	Amounts over €250		€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)
	Note: Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos
	Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades,
	Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu,
	Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.
	4.2	Account balance enquiry via other banks' ATMs:
		4.2.1	within the Euro area		€0.20
		4.2.2	outside the Euro area		€0.30
5.	Transactions in currency other than €via other Banks' Atm or Pos network in Greece and abroad:
					up to 16/02/2020
					1% of the with-	from 17/02/2020
	5.1	Fee for cash withdrawal for transactions in currency other than €		drawal amount	€4
					with min €3 &	per transaction
					max €5
					from 17/02/2020
6.	FX Conversion Fee for cash withdrawals in a currency other than €		2% on the transaction amount with a
					minimum charge of €1

Updated: 17/01/2020

10 / 22

			Deposits - Rates & Charges

Deposit Account Cards
DEBIT MASTERCARD BUSINESS (Business / Corporate Banking)
1.	One-off issuance fee of the Card

	1.1	Business BASIC account	Free of charge
	1.2	Business PRESTIGE account	Free of charge
	1.3	Other accounts	Free of charge
2.	One-off reissuance fee following loss/theft/damage/non-automated renewal of the Card		€6

3.	One-off renewal fee of the Card		€6
4.	Annual subscription fee
	4.1	Business BASIC account*		€10
	4.2	Business PRESTIGE account*	Free of charge
	4.3	Other accounts		€20
	*Privileged pricing applies to the 1st card only. Any other cards shall be subject to the pricing policy applicable to the other accounts.
5.	Fee for immediate issuance and dispatch abroad		€15
6.	PIN reissue		Free of charge
				up to 16/2/2020		from 17/2/2020
7.	FX Conversion Fee for purchases in currency other than €	2% of the		2% of the amount
amount of the			of the purchase

				purchase			with min €1

8.	Transactions via NBG's i-bank ATM network:
		Cash withdrawal /Cash deposit / Money transfer between NBG account (own account or of
	8.1	third parties) / Balance inquiry / Payment of instalments and interest of business loans	Free of charge
		(Open Business Loan & Overdraft) / Card activation/ Change of PIN
	8.2	Issue of mini-statement	Free of charge
		Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions,	As quoted in the relevant section,
	8.3	under "Rates and charges for
	Chambers, Municipalities and Municipal Undertakings, other companies, donations etc)
		other basic banking transactions"

9.	Transactions in € via other Banks' ATM or POS network in Greece and abroad:
	9.1	Cash withdrawal from account (DIASNET- CIRRUS/MAESTRO- Mastercard)*:
		9.1.1	Amounts up to €150		€1.30
		9.1.2	Amounts from €150.01 to €250		€1.40
		9.1.3	Amounts over €250		€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)
	Note:Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos
	Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades,
	Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu,
	Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.

10.	Transactions in currency other than € via other Bank's ATM or POS network in Greece and abroad:

				up to 16/02/2020		from
	10.1	Fee for cash withdrawal for transactions in currency other than €	1% of the withdrawal		17/02/2020
	amount with min €3		€4

				& max €5			per transaction

				from 17/02/2020
11.	FX Conversion Fee for cash withdrawals in a currency other than €	2% on the transaction amount with a
				minimum charge of €1

12.	Dispatch of monthly statement by mail1	3€/month
13.	Account balance enquiry via other banks' ATMs:
	13.1	within the Euro area		€0.20

	13.2	outside the Euro area		€0.30

1This service is temporarily unavailable.

Updated: 17/01/2020

11 / 22

			Deposits - Rates & Charges

Deposit Account Cards
DEBIT MASTERCARD BUSINESS (Self-employed)

1.	One-off issuance fee of the Card	Free of charge
2.	One-off reissuance fee following loss/theft/damage/non-automated renewal of the Card		€6

3.	One-off renewal fee of the Card		€6

4.	Annual subscription fee

	4.1	1st Year		Free of charge
	4.2	After 1st Year:
		4.2.1.	Business BASIC account		€10
		4.2.2.	Business PRESTIGE account	Free of charge
		4.2.3.	Other accounts		€20
5.	Fee for immediate issuance and dispatch abroad		€15
6.	PIN reissue		Free of charge
				up to 16/2/2020		from 17/2/2020
						2% of the
				2% of the
7.	FX Conversion Fee for purchases in currency other than €				amount of the
amount of the
							purchase with
				purchase
							min €1


8.	Transactions via NBG's i-bank ATM network:
		Cash withdrawal / Cash deposit / Money transfer between NBG account (own account or
	8.1	of third parties) / Balance inquiry / Payment of instalments and interest of business loans	Free of charge
		(Open Business Loan & Overdraft) / Card activation/ Change of PIN
	8.2	Issue of mini-statement	Free of charge
		Payment of Dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions,	As quoted in the relevant section,
	8.3	under"Rates and charges for
	Chambers, Municipalities and Municipal Undertakings, other companies, donations etc)
		other basic banking transactions"

9.	Transactions in € via other Banks' ATM or POS network in Greece and abroad:
	9.1	Cash withdrawal from account (DIASNET- CIRRUS/MAESTRO- Mastercard)*:
		9.1.1	Amounts up to €150	€1.30
		9.1.2	Amounts from €150.01 to €250	€1.40
		9.1.3	Amounts over €250	€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)
	Note:Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos
	Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades,
	Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu,
	Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.

10.	Transactions in currency other than € via other Banks' ATM or POS network in Greece and abroad:
				up to 16/02/2020
				1% of the with-		from 17/02/2020
	10.1	Fee for cash withdrawal for transactions in currency other than €	drawal amount				€4
				with min €3 &			per transaction
				max €5

				from 17/02/2020
11.	FX Conversion Fee for cash withdrawals in a currency other than €	2% on the transaction amount with a
				minimum charge of €1

12.	Dispatch of monthly statement by mail1	3€/month
13.	Account balance enquiry via other banks' ATMs:
	13.1	within the Euro area	€0.20

	13.2	outside the Euro area	€0.30

1This service is temporarily unavailable.

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			Deposits - Rates & Charges

.Deposit Account Cards

AGROKARTA DEBIT MASTERCARD (Retail)
1.	One-off issuance fee of the Card	Free of charge
2.	One-off reissuance fee following loss/theft/damage/non-automated renewal of the Card	€6
3.	One-off renewal fee of the Card	€6
4.	PIN reissue		Free of charge
5.	Transactions via NBG's i-bank ATM network:
	5.1	Cash withdrawal2 /Cash deposits/ Account balance query/ Card activation/ Change of PIN	Free of charge
	5.2	Issue of mini-statement	Free of charge
6.	Transactions in € via other Banks' ATM or POS network in Greece*:
	6.1	6.1.1	Amounts up to €150	€1.30
		6.1.2	Amounts from €150.01 to €250	€1.40
		6.1.3	Amounts over €250	€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)
	Note:Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos
	Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades,
	Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu,
	Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.

	6.2	Account balance enquiry via other banks' ATMs within the Euro area	€0.20

7.	Dispatch of monthly statement by mail1	3€/month

Agro-carta DEBIT MASTERCARD

1.	One-off issuance fee of the Card	Free of charge
2.	One-off reissuance fee following loss/theft/damage/non-automated renewal of the Card	Free of charge
3.	PIN reissue		Free of charge
4.	Transactions via NBG's i-bank ATM network:
		Cash withdrawals of up to 10% of the financing that has been granted to the beneficiary/
	4.1	Credit balance transfer/ Cash deposits/ Account balance query/ Card activation/ Change	Free of charge
		of PIN

	4.2	Issue of mini-statement	Free of charge

				As quoted in the relevant section,
	4.3	Payment of Dues to Third Parties (Greek State, D.E.H., EYDAP)	under "Rates and charges for
				other basic banking transactions"

5.	Transactions in € via other Banks' ATM or POS network in Greece:
	5.1	Cash withdrawal from account (DIASNET)*:
		5.1.1	Amounts up to €150	€1.30
		5.1.2	Amounts from €150.01 to €250	€1.40
		5.1.3	Amounts over €250	€1.60
		*the said pricing applies when the withdrawal transaction is not charged with an Acquiring Direct Access Fee (DAF)

Note:Refund of the fees charged for cash withdrawals from an ATM of another Bank in the following regions: Agathonisi Dodecanese, Agios Nikolaos Messinia, Agistri Attica, Anafi Cyclades, Voulgareli Arta, Goura Corinthia, Delvinaki Ioannina, Donousa Cyclades, Zagliveri Macedonia, Irakleia Cyclades, Kateleios Kefalonia, Koufonisi Cyclades, Lemos Prespes, Leipsoi Dodecanese, Metaxades Evros, Nea Styra Euboea, Nisyros Dodecanese, Paxoi Corfu, Serifos Cyclades, Skala Efessos, Skala Kefalonia, Schoinoussa Cyclades, Tilos Dodecanese, Halki Dodecanese, Halkiopoulo Aitoloakarnania.

	5.2	Account balance enquiry via other banks' ATMs within the Euro area	€0.20

6.	Dispatch of monthly statement by mail1	3€/month

ETHNOdeposit - Cash deposit card (Business / Corporate Banking)

1.	One-off issuance fee of the Card	Free of charge
2.	One-off reissuance fee following loss/theft/damage	€6
3.	Deposit transactions	Free of charge

This service is temporarily unavailable.
Cash withdrawals using the AGROKARTA Debit Mastercard are allowed within specific time periods, as announced by NBG to cardholders.

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				Deposits - Rates & Charges

	Deposit Account Charges
	Savings Account
	1.		Maintaining account / account activity		Free of charge

	2.		Extra statement of account activity issued by the Branch		As quoted in "Other deposit
			account charges"

	Current Account
1.		Maintaining account / account activity		Free of charge

2.		Supply of chequebook		€1.20 /cheque
3.		Account statement:
			3.1	Regular quarterly (sent to customer's contact address)		Free of charge
			3.2	Regular monthly (sent to customer's contact address, upon the customer's request)		€0.90 / month
			3.3	Regular daily (statement to be collected from the Branch)		€15 / month
			3.4	Via alternative networks (Internet banking etc.)		Free of charge
			3.5	Regular monthly statement of current account with overdraft facility (where agreed by		Free of charge
			contract)

4.		Extra statement of account activity issued by the Branch		As quoted in "Other deposit
		account charges"

	Privileged Product Bundles
			Value Bundle		€2/ month
			Premium Bundle		€2/ month
	Salary Product Bundles
			Salary Value		€2/ month

Notes regarding Privileged and Salary Product Bundles:

For accounts linked with the above packages, the same applies as in the case of savings or current accounts.

The monthly cost will not be charged in the month: of opening and converting an existing account to the above-listed product packages.

As far as the Privileged Product Bundles is concerned, If the monthly charge is not collected by the end of the month, the account will automatically be converted into a Simple Current Account or NBG Savings Account, depending on the account selected.

As far as the Salary Product Bundles is concerned, If the monthly charge is not collected by the end of the month, the account will automatically be converted into a "Salary Reward"( savings or current accounts), depending on the category selected.

Any favorable pricing policy (regarding interest rate, fees etc.) applying to salary deposit accounts and account-linked products and/or benefits in connection with identical or similar products and/or benefits, shall be applicable for as long as the account continues to be credited with payroll .

NBG Children

The pricing applicable to savings accounts.

Salary Reward

The pricing applicable to current accounts.

Salary Basic

The pricing applicable to current accounts, as the case may be.

Professional Plus

The pricing applicable to savings or current account, as the case may be.

Farmers Plus

The pricing applicable to savings or current account, as the case may be.

Student Life

The pricing applicable to current accounts.

Domestic and international money transfers by debiting Student Life account: Special price for sending money via bank branch or Internet banking, as quoted in the relevant sections under "Rates and charges for other basic banking transactions".

Family Fast

The pricing applicable to savings accounts.

Money transfers to home country by debiting Family Fast account: Special price for sending money up to €900 via bank branch or ΑΤΜ banking, as quoted in the relevant sections under "Rates and charges for other basic banking transactions".

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Deposits - Rates & Charges

Deposit Account Charges

Business Accounts

BUSINESS BASIC Legal Entities - Individuals (Professionals and sole proprietorships- SMEs)

Provision of banking services

€2 / month

2. Supply of chequebook:

	2.1	10 cheques/year	Free of charge
	2.2	Extra cheques	€1.20 / cheque
3.	Outgoing domestic money transfers in Euro debited to Business BASIC	The applicable charges

4.	Incoming domestic money transfers in Euro credited to Business BASIC	The applicable charges

4. Payment of dues to third parties:

	4.1	By standing order (via the SEPY / SEPA standing order payments system)	Three (3) automatic pay-
	ments of bills/dues per

			month. Additional payments

	4.2	Via alternative networks	are burdened with the appli-
			cable charges
5.	Payroll entries via Internet Banking	Free of charge
6.	Mass transfers in Euro (credits) to NBG accounts by sending a remittance file	The applicable charges
7.	Cash withdrawals, deposits and money transfers from and to the account	Free of charge

8. Supply of Debit Mastercard Business

	8.1	One-off issuance fee of the Card	Free of charge
	8.2	Annual subscription fee	€10

9. Account statement:

	9.1	Regular quarterly (sent to the customer's address)	Free of charge
	9.2	Regular monthly (sent to the Branch)	Free of charge

	9.3	Regular monthly (sent to the customer's address, upon request)	€0.90 / month
	9.4	Regular daily (sent to the Branch)	€15 / month
	9.5	Via electronic networks (Internet Banking etc.)	Free of charge
10.	Extra statement of account activity issued by the Branch	As quoted in"Other deposit ac-
count charges"

11.	Push notification service	Free of charge

BUSINESS PRESTIGE (Legal Entities - Individuals - Professionals and sole proprietorships- SMEs)

The Business PRESTIGE account is available to individuals and legal entities under, respectively, the two pricing options as set out below.

BUSINESS PRESTIGE (Legal Entities- Professionals and sole proprietorships- SMEs)

1. Provision of banking services

1.1	Annual subscription fee	€120 / year
1.2	Provided that the average balance of the previous year is over €10,000 and a POS or e-	10% discount on the
commerce is in operation or payment of payroll is performed through the account.	applicable charges

2. Supply of chequebook:

	2.1	200 cheques/year	Free of charge
	2.2	Extra cheques	€1.20 / cheque

3. Outgoing domestic money transfers in Euro debited to Business PRESTIGE

3.1	200 transfers/ year	Free of charge

3.2	Extra transfers	The applicable charges

4. Incoming domestic money transfers in Euro credited to Business PRESTIGE

	4.1	200 transfers/ year	50% discount on the
	applicable charges

	4.2	Extra transfers	As quoted in "Other deposit
	account charges"

5.	Push notification service	Free of charge

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Deposits - Rates & Charges

Deposit Account Charges

Business Accounts

BUSINESS PRESTIGE (Legal Entities - Individuals - Professionals and sole proprietorships- SMEs)

BUSINESS PRESTIGE (Individuals- Professionals and sole proprietorships- SMEs)

1. Provision of banking services

1.1	Annual subscription fee	€60 / year
1.2	Provided that the average balance of the previous year is over €3,000	10% discount on the
applicable charges

2. Supply of chequebook:

	2.1	100 cheques/year	Free of charge
	2.2	Extra cheques	€1.20 / cheque

3. Outgoing domestic money transfers in Euro debited to Business PRESTIGE

3.1	100 transfers/ year	Free of charge

3.2	Extra transfers	The applicable charges

4. Incoming domestic money transfers in Euro credited to Business PRESTIGE

	4.1	100 transfers/ year	50% discount on the applica-
	ble charges

	4.2	Extra transfers	As quoted in "Other deposit
	account charges"

5.	Push notification service	Free of charge
For both (2) above forms of "Business PRESTIGE", the following privileges are also offered:

6. Payment of dues to third parties:

	6.1	By standing order (via the SEPY / SEPA standing order payments system)	Free of charge
	6.2	Via alternative networks	Free of charge
7.	Payroll entries via Internet Banking	Free of charge
8.	Mass transfers in Euro (credits) to NBG accounts by sending a remittance file	Free of charge
9.	Cash withdrawals, deposits and money transfers from and to the account	Free of charge

10. Supply of Debit Mastercard Business:

10.1	One-off issuance fee of the Card	Free of charge

10.2	Annual subscription fee	€10

11. Account statement:

	11.1	Regular quarterly (sent to the customer's address)	Free of charge
	11.2	Regular monthly (sent to the Branch)	Free of charge
	11.3	Regular monthly (sent to the customer's address, upon request)	€0.90 / month
	11.4	Regular daily (sent to the Branch)	€15 / month
	11.5	Via electronic networks (Internet Banking etc.)	Free of charge
12.	Extra statement of account activity issued by the Branch	As quoted in"Other deposit ac-
count charges"

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		Deposits - Rates & Charges

Deposit Account Charges

Sight Deposit Account (Corporate Banking)

1.	Charges incurred in the event of negative return on account.
	Negative return on sight accounts for transactions carried out via NBG Branches' countersmay
	arise from the following charges:

	1.1	Cash transaction	€1.73

	1.2	Charge for debiting or crediting cheque proceeds	€2.35

	1.3	Book transfer	€1.31

	Remarks:

	>	The overall handling cost for the above transactions is calculated on a six-monthly basis (6 calendar months) and is the
		product of the number of transactions during the 6-month period multiplied by the applicable charge.

	>	Excluded (i.e. not subject to charges) from these transactions are those carried out via ATMs, EFT/POS, Internet and Phone
		Banking, the Electronic Credit System, SEPY / SEPA standing order payments system, other electronic channels, plus the
		following: payroll entries, debiting account in order to place funds in investment products, writing interest to account, can-
		cellation / correction-offsetting of entry, as well as transactions on sight accounts with agreed overdraft facility.

	>	The operating cost to be paid every 6 months by the customer - beneficiary of the sight operating cost is reduced by the
		return amount of the average 6-month balance on the customer's account, after deduction of any interest paid on the
		account. It is noted that in the event of a return (after interest deduction) equal to or higher than the transaction pricing, no
		cost is paid.

	>	The above charges are not applicable to sight deposit accounts of retail business banking that are linked to a finance account
		to serve its transactions.

2.	Supply of chequebook for sight deposit accounts of retail business banking that are linked to	€1.20 per cheque
a finance account to serve its transactions


3.	Supply of chequebook for the rest of sight deposit accounts:

	3.1	Sight accounts with average 6-month balance (6 calendar months) up to €586.94:	€1.17 per cheque

		Sight accounts with average 6-month balance (6 calendar months) over €586.94, but be-	€1.17 per cheque or the
	3.2	equivalent of the negative re-
	low the required minimum balance:
		turn


	3.3	Sight accounts with average 6-month balance (6 calendar months) over the required mini-	Free of charge
	mum balance:

4.	Sight account statement:

	4.1	Regular monthly (sent to the Branch)	Free of charge

	4.2	Regular monthly (sent to the customer's address, upon request)	€0.90 / month

	4.3	Regular daily (sent to the Branch)	€15 / month

	4.4	Via electronic networks (Internet Banking etc.)	Free of charge

5.	Statement of overdraft sight account:

	5.1	Regular quarterly (sent to the customer's address)	Free of charge
	5.2	Regular monthly (sent to the customer's address, upon request)	€0.90 / month

	5.3	Regular daily (sent to the Branch)	€15 / month

	5.4	Via electronic networks (Internet Banking etc.)	Free of charge

6.	Extra statement of account activity issued by the Branch	As quoted in "Other deposit
account charges"

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		Deposits - Rates & Charges

Deposit Account Charges

Function Sight Account (Corporate Banking)

1.	Fee for banking services	€10 / month (*)
	(*) The above monthly fee:

	>	Covers up to 100 transactions per month, free of charge, at the Bank's counters (money transactions, charges of cheques,
		deposits of cheques, clearing transactions). The rates and charges applying to various individual transactions, such as issue
		of money transfer debited to the account, apply as normal.
	>	Covers the unlimited supply of chequebooks (provided that the creditworthiness requirements are met).
	>	The fee is reduced by €0.20 per transaction via electronic networks until reduced to zero. The transactions that give rise to
		the fee reduction are listed in the special features of the product (e.g. in the pre-contractual information document). The
		rates and charges applying to various individual transactions via electronic networks apply as normal.
2.	Over 100 transactions per month at the Bank's counters	€2 per transaction

3.	Supply of chequebook	Free of charge
4.	Statement for Function Sight Account:

	4.1	Regular quarterly (sent to the customer's address)	Free of charge

	4.2	Regular monthly (sent to the Branch)	Free of charge

	4.3	Regular monthly (sent to the customer's address, upon request)	€0.90 / month

	4.4	Regular daily (sent to the Branch)	€15 / month

	4.5	Via electronic networks (Internet Banking etc.)	Free of charge

5.	Extra statement of account activity issued by the Branch	As quoted in "Other deposit
account charges"

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						Deposits - Rates & Charges

Deposit Account Charges

Other deposit account charges

1.	Holding of inactive accounts in euro (inactive accounts)	Free of charge
2.	Deposit to account held by a third party (Savings, Current, Sight or other accounts) at the Bank's	Free of charge
counters

3.	Recall of private cheque	€30/ request
4.	Charge for reprocessing uncovered cheques drawn on Deposit accounts (*)	€20 / cheque
	(*)The said charge concerns all deposit accounts, regardless of product type. Exempted from the charge are accounts held by foreign
	and domestic banks (Gen. Accs. 426 and 450 respectively).
	The said charge is collected on an annual basis, regardless of how many times the cheque is forwarded for processing.
5.	Payroll entries for businesses and organizations (per account credited):
	5.1		via Internet Banking (mass credits)	€0.20
	5.2		via Internet Banking (mass credits) when debited to "Business BASIC" and "Business	Free of charge
		PRESTIGE" accounts

	5.3		via ETHNOFiles or by floppy disk	€0.50
	5.4		via NBG branches	€0.90
6.	Withdrawal of foreign banknotes from FX deposit accounts	Free of charge
7.	Holding and handling FX deposit account (sight and savings account)	Free of charge
8.	Extra statements of deposit account activity, including accounts in foreign currency, issued by
the Branch:

	8.1.			For up to 1 year prior to the date that the request is submitted:
							€5 / account
				8.1.1	Savings or sight or current accounts	(irrespective of the number of
							pages)
	8.2.			From 01/01/2010 and up until the date stated in the request:
			(which may or may not be the same date as the request submission date).

							€15 / account
				8.2.1	Savings or sight or current accounts	(irrespective of the number of
							pages)
	8.3.			From 01/01/2000 and up until the date stated in the request:
			(which may or may not be the same date as the request submission date).

							€20 / account
				8.3.1	Savings or sight or current accounts	(irrespective of the number of
							pages)

	8.4.			Before 01/01/2000 and up until the date stated in the request:
			(which may or may not be the same date as the request submission date).

							€45 / account
				8.4.1	Savings, sight or current accounts	(irrespective of the number of
							pages)
	Notes:
	 Charges for extra statements concern statement requests for: a) Savings accounts:all types, regardless of currency. b) Sight
	accounts:"Business BASIC" , "Business PRESTIGE", Function Sight Account, Sight Deposit Account (regardless of currency) c)
	Current accounts:all types.
	 The issuance of deposit balance certificates (Euro/Foreign Currency) for the previous fiscal year for those subject to the require-
	ment to file source-of-wealth declarations is free of charge.
	 The issuance of Saving Account statements for former Probank customers without an Account deposit book is free of charge.
							As quoted in the relevant sec-
9.	Purchase of other cheques	tion, under "Charges for Other
							Banking Transactions"
	Payment of dues to Third Parties (Greek State, Public Utilities, Insurance Funds, Unions, Cham-	The available payments and
	bers, Municipalities and Municipal Undertakings, Telephony and Internet providers, Insurance
	their respective charges are
	companies, other companies, donations to organizations etc):
	quoted in the relevant section,
10.	- At branch counters	(cash or by debiting a deposit account)
under"Rates and charges for
	- Via standing orders	(by debiting a deposit account)
	other basic banking transac-
	- Via Internet / Phone banking / Mobile banking (by debiting a deposit account)
	tions".
	- Via ATM banking	(by debiting a deposit account)

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Deposits - Rates & Charges

Deposit Account Charges

Value Dates of Deposits to Accounts held with NBG

Accounts in Euro & Foreign Currencies (F/C) of countries of the EEA (*)

Α.1	Deposit of Banknotes in Euro-Accounts:
	>	Euro in Savings / Current / "Business BASIC" and "Business PRESTIGE" accounts" / non-		same day
	interest Sight accounts

	>	Euro in interest-bearing Sight accounts (excluding "Business BASIC"	and "Business		next business day
	PRESTIGE" accounts"

	>	Euro via ATM			same day

	>	Other currency, in Savings / Current / "Business BASIC" and "Business PRESTIGE" accounts		4 business days
	/ non-interest Sight accounts / other interest-bearing Sight accounts

Α.2	Deposit of Banknotes in EEA F/C:
	>	Same currency			same day

	>	Different currency (whether EEA or not)			4 business days

Α.3	Fund transfers to euro and EEA currency accounts:
	>	Transfer of euro or F/C			same day

	>	Transfer of euro via ΑΤΜ / Internet / Phone Banking, to euro accounts			same day

	>	Transfer to account held in a EEA currency under a special exchange rate			2 business days

Α.4	Fund transfers to accounts in EEA currencies:
	>	In the same currency			same day

	>	In the different currency (non-EEA currency), to an account held by the same or another		2 business days
	beneficiary

Α.5	Incoming orders to euro and EEA currency accounts with instructions given:

The value date of all incoming orders, whether euro, EEA currency or non-EEA currency (F/X) is the date NBG is credited by its correspondent bank, or the date the order is sent, if later than the correspondent's value date.

Α.6 Incoming orders to euro and EEA currency accounts without account crediting instructions given:

The value date of all incoming orders, whether euro, EEA currency or non-EEA currency (F/X) is the date of execution of the order upon customer's instructions, or the date NBG is credited by its correspondent bank, if later than the date of execution.

Β. Accounts held in non-EEA currencies

Β.1 Deposit of Banknotes in non-EEA currency accounts:

>	In the same or different currency	4 business days

Β.2	Fund transfers to accounts in non-EEA currencies:
>	In the same currency, to an account held by the same beneficiary	same day

>	In the same currency, to an account held by another beneficiary	same day

>	In the different currency , to an account held by the same or another beneficiary	2 business days

Β.3 Incoming orders to non-EEA currency accounts with instructions given

>	If the account is held in the currency stated in the order, the value date is the date NBG is credited by the correspondent
bank, or the date the order is sent, if later than the correspondent's value date.

>	If the account is held in a currency other than that stated in the order:	2 business days after the
dates listed above.

Β.4 Incoming orders to non-EEA currency accounts without account crediting instructions given

>	If the account is held in the currency stated in the order, the value date is the date of execution of the order upon customer's
instructions, or the date NBG is credited by its correspondent bank, if later than the date of execution.


>	If the account is held in a currency other than that stated in the order:	2 business days after the
dates listed above.

The Payment Services Directive (PSD 2) covers the countries of the European Union (EU) and other European Economic Area countries (EEA), which currently include Austria, Belgium, Bulgaria, France (including French Guyana, Guadeloupe, Martinique, (Including Gibraltar), Ireland, Spain, Italy, Croatia, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Hungary, Poland, Portugal, Romania, Slovakia, Sweden, Czech Republic, Finland a plus Iceland, Norway and Liechtenstein.

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Deposits - Rates & Charges

Deposit Account Charges

Value Dates of Deposits to Accounts held with NBG

C. Deposit of cheques in Euro accounts

C.1	Deposit of NBG cheques in euro, to:
	>	Savings / Current / non-interest Sight accounts / "Business BASIC" and "Business PRESTIGE"		same day
	accounts

	>	Interest-bearing Sight accounts ("Business BASIC" and "Business	PRESTIGE" accounts		next business day
	excluded)

C.2	Deposit of cheques "drawn on us" in euro or F/X:
	>	in Savings/Current/ non-interest Sight accounts / "Business BASIC" and "Business PRES-		same day
	TIGE" accounts

	>	Interest-bearing Sight accounts ("Business BASIC" and "Business	PRESTIGE" accounts		next business day
	excluded)

C.3	Deposit of cheques in euro drawn on domestic banks:
	>	bank cheques via the Interbank Electronic Cheque Clearance System or a clearing office		next business day
	>	private cheques via DHSSE			3 business days
	>	private cheques via a clearing office in the same city			3 business days
	>	private cheques via a clearing office in the another city			5 business days
C.4	Deposit of cheques in F/X drawn on domestic banks:
	>	in an account in the same city			5 business days
	>	in an account in another city			8 business days
C.5	Deposit of cheques in euro or F/X drawn on foreign banks:
	>	in an interest or non-interest account			12 business days
Note:The above dates concern the value date only and not the date of final clearing of cheques.
D. Deposit of cheques in accounts in foreign currency (EEA and non-EEA currencies)
D.1	Deposit of F/X cheques "drawn on us"
	>	Deposit of cheques "drawn on us" in F/X			2 business days
D.2	Deposit of F/X cheques drawn on domestic banks:
	>	in an account in the same city			5 business days
	>	in an account in another city			8 business days
D.3	Deposit of cheques drawn on foreign banks:
	>	cheques drawn on foreign banks			12 business days
	>	Traveller's cheques			12 business days
D.4	Deposit if cheques in euro drawn on "non-resident" accounts in euro
	>	cheques in euro drawn on "non-resident" accounts in euro			2 business days
Note:The above dates concern the value date only and not the date of final clearing of cheques.

Ε. Items for collection

Ε.1 Credit of proceeds of items for collection into:

>	Savings / Current / "Business BASIC" and "Business PRESTIGE" accounts / non-interest Sight	The date is credited by the
accounts	correspondent bank.

>	interest-bearing Sight accounts	The next business day after
the above date.

Ε.2 Credit of proceeds of simple items for collection:

2 business days after NBG is

> abroadcredited by the correspondent bank.

Updated: 17/01/2020

21 / 22

Deposits - Rates & Charges

Submission of comments/suggestions/complaints by customers. If you have a complaint, please submit it to:

-the relevant staff at the Bank's branches

-NBG's Sector for Governance of Customer Issues:

 by calling 800 11 88988 (from a landline in Greece) or +30 210 48 06 100 (from a mobile phone or if you're calling from outside Greece), on the days and hours stated on the Bank's official website www.nbg.gr,

 You can file your comment, suggestion or complaint by filling out the relevant online form, available on the Bank's website at www.nbg.gr,

 Send an e-mail to customer.service@nbg.gr,

 Send a letter or the relevant form available at all NBG Branches:

by post to: National Bank of Greece, Sector for Governance of Customer Issues, Omirou 30, 10672 Athens, or
by fax to +30 210 3347740

Detailed and up-to-date information regarding the complaint procedure and the contact details of the customer complaints department are available on the Bank's website www.nbg.gr. The submission of complaints is not subject to a charge.

Furthermore, for any disagreement or dispute, you can use the special out-of-court redress procedures by taking your matter to bodies of alternative dispute resolution, such as the Hellenic Financial Ombudsman, Massalias 1, 10680 Athens, Τ.: 10440 (local call rates)/+30 210 3376700 (international calls), www.hobis.gr, Hellenic Consumers' Ombudsman, Leof. Alexandras 144, 11471 Athens, T.: +30 2106460862 www.synigoroskatanaloti.gr More details on referring a complaint to alternative dispute resolution bodies are available on the Bank's website, at www.nbg.gr.

Updated: 17/01/2020

22 / 22

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National Bank of Greece SA published this content on 04 February 2020 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 04 February 2020 10:03:06 UTC

Real-time Estimate Tradegate Other stock markets 04:25:55 2024-04-19 am EDT			5-day change	1st Jan Change
6.963 ^EUR	-1.57%		-4.07%	+12.46%

Mar. 12	Transcript : National Bank of Greece S.A., Q4 2023 Earnings Call, Mar 12, 2024
Mar. 12	National Bank of Greece S.A. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023	CI

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National Bank of Greece S.A. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023	Mar. 12	CI
An unknown fund managed by Bracebridge Capital, LLC completed the acquisition of 95% stake in portfolio of non performing exposures of National Bank of Greece S.A..	Feb. 15	CI
Indices: From European shores to American ones	Feb. 07
Greece plans to start stake sale in Piraeus Bank by March - sources	Jan. 15	RE
National Bank of Greece S.A. commences an Equity Buyback Plan for 13,720,727 shares, representing 1.5% for ?30 million, under the authorization approved on July 28, 2023.	Dec. 19	CI
Global markets live: Applied Materials, Gap, Apple, Boeing, IBM...	Nov. 17
Commerzbank on Overnight News	Nov. 17	MT
Greece's National Bank stake sale oversubscribed -source	Nov. 16	RE
Greece starts process to sell 20% stake in National Bank	Nov. 13	RE
National Bank of Greece S.A. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023	Nov. 07	CI
Transcript : National Bank of Greece S.A., Q3 2023 Earnings Call, Nov 07, 2023	Nov. 07
Transcript : National Bank of Greece S.A., Q2 2023 Earnings Call, Aug 01, 2023	23-08-01
National Bank of Greece S.A. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023	23-08-01	CI
Greece to begin selling bank stakes this autumn-sources	23-07-17	RE
Greece Issues EUR3.5 Billion in New July 2038 Bonds	23-07-11	DJ
Greece Plans to Issue New 15-Year Bond, Plans Switch and Tender Offer	23-07-10	DJ
National Bank of Greece S.A. completed the acquisition of a 7.5% stake in loannis Michos.	23-06-08	CI
Transcript : National Bank of Greece S.A., Q1 2023 Earnings Call, May 23, 2023	23-05-23
National Bank of Greece S.A. Reports Earnings Results for the First Quarter Ended March 31, 2023	23-05-23	CI
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	1st Jan change	Capi.
NATIONAL BANK OF GREECE S.A.	+12.46%	6.9B
JPMORGAN CHASE & CO.	+6.55%	523B
BANK OF AMERICA CORPORATION	+6.19%	281B
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED	+7.59%	251B
WELLS FARGO & COMPANY	+19.34%	206B
BANK OF CHINA LIMITED	+12.75%	172B
CHINA CONSTRUCTION BANK CORPORATION	+4.73%	159B
HSBC HOLDINGS PLC	+0.08%	149B
HDFC BANK LIMITED	-10.98%	136B
ROYAL BANK OF CANADA	-0.36%	137B

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