Common use of Using the Card at ATMs and POS of Banks Abroad Clause in Contracts

Using the Card at ATMs and POS of Banks Abroad. When abroad, the Cardholder can withdraw cash from his main business account via ATMs and POS of Banks displaying the international Mastercard logo, under the terms, conditions and charges, if any, announced by the Bank from time to time or in accordance with decisions that may be taken by the competent authorities. Furthermore, the Cardholder can use the Card for account balance enquiries at ATMs abroad, and the Bank reserves the right to announce the option to carry out a further range of transactions in the future. Transactions carried out via ATMs and POS of the Banks abroad will incur a charge. The charges applying from time to time are stated in the Bank’s Rates & Charges, available to the Customer in line with the respective regulatory provisions, and posted in all NBG branches and on the Bank’s website (xxx.xxx.xx). If the transaction is in foreign currency, the relevant amount is blocked at the time of the transaction, plus 2% for any difference that may occur upon currency conversion, which will be released in all or in part when the transaction is settled and the respective amount debited to the Cardholder's account. The respective account will be debited with the euro equivalent of the amount withdrawn, calculated on the basis of the rate announced by Mastercard International for the date and time of transaction processing and settlement. The Cardholder can find information on the currency conversion rates used from time to time by such organization on its webpage (xxxxx://xxx.xxxxxxxxxx.xx/en- us/consumers/get-support/convert-currency.html) which also provides a currency conversion calculator. Given that exchange rates constantly fluctuate, the rate applicable at the time that the respective transaction is processed and settled may be different from the rate applicable at the time that such transaction was actually performed.

Using the Card at ATMs and POS of Banks Abroad. 4.Α.5.1. When abroad, the Cardholder can withdraw cash from his main business account via ATMs and POS of Banks displaying the international Mastercard logo, under the terms, conditions and charges, if any, announced by the Bank from time to time or in accordance with decisions that may be taken by the competent authorities. Furthermore, the Cardholder can use the Card for account balance enquiries at ATMs abroad, and the Bank reserves the right to announce the option to carry out a further range of transactions in the future. Transactions carried out via ATMs and POS of the Banks abroad will incur a charge. The charges applying from time to time are stated in the Bank’s Rates & Charges, available to the Customer Cardholder at all times in line with the respective regulatory provisions, and are posted in all NBG branches and on the Bank’s 's website (xxx.xxx.xx). If the transaction is in foreign currency, the relevant amount is blocked at the time of the transaction, plus 2% for any difference that may occur upon currency conversion, which will be released in all or in part when the transaction is settled and the respective amount debited to the Cardholder's account. The respective account will be debited with the euro equivalent of the amount withdrawn, calculated on the basis of the rate announced by Mastercard International for the date and time of transaction processing and settlement. The As regards transactions in EEA currency, the Cardholder can find information on cross-border charges and exchange rates at xxxxx://xxxxxxxxxx.xxx.xx/fxrates. As regards other transactions in foreign currency, the Cardholder can find information on the currency conversion rates used from time to time by such organization on its webpage (xxxxx://xxx.xxxxxxxxxx.xx/en- us/consumers/get-support/convert-currency.html) xxxxx://xxx.xxxxxxxxxx.xx/en-us/consumers/getsupport/convert-currency.html), which also provides a currency conversion calculator. Given that exchange rates constantly fluctuate, the rate applicable at the time that the respective relevant transaction is processed and settled cleared may be different from the rate applicable at the time that such transaction was is actually performed.

Using the Card at ATMs and POS of Banks Abroad. When abroad, the Cardholder can withdraw cash from his main business account via ATMs and POS of Banks displaying the international Mastercard Visa logo, under the terms, conditions and charges, if any, announced by the Bank from time to time or in accordance with decisions that may be taken by the competent authorities. Furthermore, the Cardholder can use the Card for account balance enquiries at ATMs abroad, and the Bank reserves the right to announce the option to carry out a further range of transactions in the future. Transactions carried out via ATMs and POS of the Banks abroad will incur a charge. The charges applying from time to time are stated in the Bank’s Rates & Charges, available to the Customer Cardholder at all times in line with the respective regulatory provisions, and are posted in all NBG branches and on the Bank’s 's website (xxx.xxx.xx). If the transaction is in foreign currency, the relevant amount is blocked at the time of the transaction, plus 2% for any difference that may occur upon currency conversion, which will be released in all or in part when the transaction is settled and the respective amount debited to the Cardholder's account. The respective relevant account will be debited with the euro equivalent of the amount withdrawn, calculated on the basis of the rate announced by Mastercard International Visa for the date and time of transaction processing and settlement. The Cardholder can find information on the currency conversion rates used from time to time by such organization on its webpage (xxxxx://xxx.xxxxxxxxxx.xx/en- usxxxxx://xxx.xxxxxxxxxx.xxx/making- payments/consumers/get-support/convert-currency.html) exchangerates), which also provides a currency conversion calculator. Given that exchange rates constantly fluctuate, the rate applicable at the time that the respective transaction is processed and settled may be different from the rate applicable at the time that such transaction was actually performed.. The Bank shall take any action it considers appropriate and/or even refrain from, pause, cancel and/or refuse the execution of a transaction, within the framework of complying with any obligations arising from the applicable regulatory provisions and the internal policies of the Bank related to AML/CFT as well as policies and procedures aimed at preventing the provision of, or attempting to provide, financial and other services to countries/jurisdictions: (i) characterized as having defective systems and/or strategic weaknesses in their national AML/CFT systems, (ii) are identified by credible sources, such as detailed assessment reports by international organizations (FATF, OECD) as having significant levels of corruption, organized crime or other criminal activities, (iii) are subject to international financial and trade sanctions, embargoes or similar measures imposed by the EU, United Nations or OFAC, each time applicable, and

Using the Card at ATMs and POS of Banks Abroad. 4.Α.5.1. When abroad, the Cardholder can withdraw cash from his main business account via ATMs and POS of Banks displaying the international Mastercard logo, under the terms, conditions and charges, if any, announced by the Bank from time to time or in accordance with decisions that may be taken by the competent authorities. Furthermore, the Cardholder can use the Card for account balance enquiries at ATMs abroad, and the Bank reserves the right to announce the option to carry out a further range of transactions in the future. Transactions carried out via ATMs and POS of the Banks abroad will incur a charge. The charges applying from time to time are stated in the Bank’s Rates & Charges, available to the Customer Cardholder at all times in line with the respective regulatory provisions, and are posted in all NBG branches and on the Bank’s 's website (xxx.xxx.xx). If the transaction is in foreign currency, the relevant amount is blocked at the time of the transaction, plus 24% for any difference that may occur upon currency conversion, which will be released in all or in part when the transaction is settled cleared and the respective corresponding amount is debited to the Cardholder's account. The respective account will be debited with the euro EUR equivalent of the amount withdrawn, calculated on the basis of the rate announced by Mastercard International for the date and time of transaction processing and settlement. The For transactions carried out in a currency of an EEA country, the Cardholder can find information on the cross-border charges and exchange rates at xxxxx://xxxxxxxxxx.xxx.xx/fxrates. As regards other transactions in foreign currency, the Cardholder can find information on the currency conversion rates used from time to time by such organization on its webpage (xxxxx://xxx.xxxxxxxxxx.xx/en- us/consumers/get-support/convert-currency.html) at xxxxx://xxx.xxxxxxxxxx.xx/en-us/consumers/get-support/convert-currency.html which also provides a currency conversion calculator. Given that exchange rates constantly fluctuate, the rate applicable at the time that the respective relevant transaction is processed and settled cleared may be different from the rate applicable at the time that such transaction was is actually performed.