It is announced that the Board of Directors of the Company in its meeting of November 8th, 2004 decided the distribution of an interim dividend of 0.20 Euro per share as advance payment for year 2004 dividend. Shareholders entitled to the interim dividend are the owners of the shares of the Company at the closing of the trading day of the Athens Exchange of December 2nd, 2004 according to the clearing of the Central Securities Depository S.A.

The shares of the Company will be trading ex-interim dividend as of December 3rd, 2004. December 20th, 2004 is declared as interim dividend payment commencement date. The payment of the interim dividend will be effected by the means of crossed bankers drafts made payable to the shareholders mailed to their address. For the collection of the interim dividend it is necessary that shareholders present to the Bank both the bankers drafts and their Identification Card. In case bankers drafts are lost or undelivered shareholders can contact the Headquarters of the Company (tel: 2108094042, Shareholders Department). Dividends which will not be collected within 5 years are written off in favour of the Hellenic State.