· 16.59% (BIR* of Emporiki Bank for BGN 8.09% for May 2012 + spread of 8.50%) for overdrafts secured with pledge on future receivables

· For overdrafts secured with deposit in BGN or EUR: the interest on the deposit + 3%

· For overdrafts secured with deposit in USD, GBP or CHF: the interest on the deposit + 5%

* BIR (base interest rate) is a value that reflects the expenses of the Bank for the attracted funds. The BIR of Emporiki Bank is reviewed at the end of each month and the Bank has the right to unilaterally change it if any amendments in the economic context and/or financial markets in the country and/or abroad occur. The change comes in force as of the first working day of the next month.