Citibank announces the interest rates valid for January 2008.

A. LENDING RATES IN EURO

1. BUSINESS LOANS - REFERENCE RATES:

a. Citibank Prime rate: from 7,91% (December) to 7,83%
b. Citibank Base rate: from 8,92% (December) to 8,83%
c. Citibank Business rate: from 11,41% (December) to 11,33%

2. BUSINESS LOANS - REFERENCE RATES IN FOREIGN CURRENCY:

US DOLLARS: from 7,59% to 7,20%
YEN: from 3,46% to 3,38%
ENGLISH POUNDS: from 9,18% to 8,59%
SWISS FRANCS: from 5,24% to 5,25%

3. SECURED MORTGAGE LOANS FOR PURCHASE / REPAIR:

a.WITH VARIABLE INTEREST RATE (linked to 6 month Euribor)
from 15,000 – 99,999 euros (based on Loan to Value):
from 5.71%-6.01% (December) to 5.61%-5.91%
from 100,000 – 299,999 euros (based on Loan to Value):
from 5.61%-5.91% (December) to 5.51%-5.81%
from 300,000 – 1,000,000 euros (based on Loan to Value):
from 5.51%-5.81% (December) to 5.41%-5.71%
b.WITH VARIABLE INTEREST RATE (linked to 1 month Euribor)
from 15,000 – 99,999 euros (based on Loan to Value):
from 5.71%-6.01% (December) to 5.19%-5.49%
from 100,000 – 299,999 euros (based on Loan to Value):
from 5.61%-5.91% (December) to 5.09%-5.39%
from 300,000 – 1,000,000 euros (based on Loan to Value):
from 5.51%-5.81% (December) to 4.99%-5.29%
c.WITH VARIABLE INTEREST RATE (linked to ECB)
from 15,000 – 99,999 euros (based on Loan to Value):
from 4.9%-5.2% (December) to 4.9%-5.2%
from 100,000 – 299,999 euros (based on Loan to Value):
from 4.8%-5.1% (December) to 4.8%-5.1%
from 300,000 – 1,000,000 euros (based on Loan to Value):
from 4.7%-5% (December) to 4.85%-5.15%
d.WITH VARIABLE INTEREST RATE (linked to 1 month Libor)
from (the equivalent) 30,000 – 1,000,000 euros: 3,86%
e. WITH FIXED INTEREST RATE FOR ONE YEAR 2,90%
f. WITH FIXED INTEREST RATE (for 3 years): 4,60%
g. WITH FIXED INTEREST RATE (for 5 years): 4,90%
h. FIXED INTEREST RATE (for 10 years): 5,20%
i. FIXED INTEREST RATE (for 15 years): 5,30%
j. FIXED INTEREST RATE (for 20 years): 5,40%
k. FIXED INTEREST RATE (for 25 years): 5,50%

4. HOME EQUITY LOANS WITH VARIABLE INTEREST RATE (linked to Euribor) for amounts
from 10,000 – 100,000 euros from 6,81% (December) to 6,29%

5. PERSONAL INSTALLMENT LOANS
(FOR AMOUNTS 3.000 – 25.000 euros & tennor 12 - 60 months)
Fixed interest rate 7,50% - 14,90%

6. PERSONAL INSTALLMENT LOANS FOR BALANCE CONSOLIDATION OF OTHER CARDS AND
LOANS (FOR AMOUNTS 3.000 – 30.000 euros & tennor 12 - 84 months)

a. Fixed interest rate 8,50% - 11,50% (December) σε 8,50% - 11,50%
b. Variable interest rate (linked to ECB) 7,95% (December) σε 8,20%

*Bank maintains the right to define the maximum loan amount additional to 30,000 euros, depending on the type of products to be transferred.

7. LOAN FOR INSTALLATION OF NATURAL GAS
(FOR AMOUNTS 1.000 – 10.000 euros & tennor 12 - 60 months)
Fixed interest rate 3,25% - 6,50%

8. PERSONAL INSTALLMENT LOANS SECURED WITH TIME DEPOSITS
(FOR AMOUNTS 20.000 – 500.000 euros & tennor 12 - 144 months)
Variable interest rate (inked to 6 month Euribor) 5.71%-6.01%

The above-mentioned rates do not include the contribution of Law 128/75, which is to be added where necessary as provided by law.

B. DEPOSITS

For all accounts with tiered interest rates, the rate is applied to the entire amount of the deposit, whilst in the regular Savings account with interest rate applied to each bracket separately the rate is applied at the part of the deposit that responses to each bracket.

C. CITIBANK CARD RATES: