Monday, May 7th, 2001 The Pierre Hotel, New York City

Mr. Nikolaos Iatrou
Managing Director Marfin Hellenic Securities

Mr. Iatrou is the Managing Director of Marfin Hellenic Securities S.A. and co-founder of the company. He has an extensive experience in Brokerage, trading, customers' service and performance checking.

Mr. Iatrou is a member of the Athens Stock Exchange, as the official representative of the company. He is also responsible for the Sales and Corporate Finance Department.

His prior appointments were broker for Alki Securities S.A. and Vice President & Executive Director for Hellenic Securities S.A.

Mr. Iatrou holds a BSc in Business Administration.