13 July 2007

New Special Offers on Consumer and Home Loans

The Greek Postal Savings Bank continues to innovate and pleasantly surprise the market, to the benefit of its customers and the society as a whole and:

1) Offers the special consumer "SUMMER LOAN" under particularly beneficial terms, in response to applications submitted by the 30/09/07 and with the following features:

• A beneficial interest rate of 3,95%* FIXED for the first year
• After the first year, a floating interest set at (ECB + 4,65%*)
• Loan amount ranging from €1.500 to €6.000
• Repayment Period from 12 to 60 months
• Free of loan investigation charges
• Loan approval cost: €100 paid on withdrawal
• Monthly instalment payment for a 60-month €6.000 loan is €112

2) Maintains unchanged the interest rates offered for the special debt consolidation loan "MY ADVANTAGE" ("ME SYMFEREI)", despite a new increase of the E.C.B. key interest rate to 4,00% and the opportunity to repay the first instalment up to a year later. The loan is offered with an interest rate of 4,90% fixed for the first year and beneficial adjustable interest rates ranging from 5,95%* 7,90%* for subsequent years. Where the loans are unsecured, the repayment period may extend to 10 years, with a monthly instalment that starts at €108,5 for a €10.000 loan, while correspondingly loans with security have a maximum repayment period of 30 years and a monthly instalment that starts at €56,8% for a €10.000 loan.

3) Offers a new Home Loan, "FIXED-3" in Euros, for which applications will be accepted up to 30/09/2007, with the following features:

• A subsidised interest set at 3,65%** FIXED for the first 2 years
• Provides financing for up to 100% of the commercial value of the property, without an increased interest rate
• A 1,10% margin on floating interest rates for all loans, after the first two years
• Loan duration of 6 to 40 years
• Capacity to repay the loan or change the interest rate terms without added charge, after the first six years.
• Free of charges for Legal and Technical Inspection in the case of loan transfers.
• All borrowers are entitled to financing on a pre-approved personal loan that amounts to 5% of their home loan, with a 30.000 euro cap, offered at a floating interest rate of ECB + 4,65% and a duration of up to 10 years.

The Management of the Greek Postal Savings Bank proceeded to make the above decisions, implementing its successful developmental strategy for the Bank, for growth in Retail Banking, placing emphasis on meeting the basic needs of citizens with middle and lower incomes.

The Greek Postal Savings Bank provides innovation by offering simple and economy-minded products for simple people, continuing to grow with assurance and decisiveness.

* Does not include the 0,60% charge by Law 128/75
** Does not include the 0,12% charge by Law 128/75