IN ASSOCIATION WITH GREEK AND FOREIGN BANKS

                                        PROGRAMS

FLUCTUATION RATE-PRIVILEGE

HOUSING ADVANTAGE

FLUCTUATION RATE FOR IMMEDIATE CASH

FIXED RATE FOR THE 1ST YEAR

FIXED RATE FOR THE 1ST 3 YEARS

FIXED RATE FOR THE 1ST 5 YEARS

FIXED RATE FOR THE 1ST 10 YEARS