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

MARFIN INVESTMENT SERVICES S.A.

Marfin Investment Services S.A. was established in 1998. Since then, the company expanded rapidly and today forms a Group of Companies covering a complete range of activities that span the financial sector. The Marfin Group is the largest and fastest growing independent financial Group in Greece. Its operations include asset management for institutional and private investors, investment banking, brokerage activities in Greece, through its subsidiary Marfin Hellenic Securities S.A., and international markets, private equity and, with the recent acquisition of Prime Bank, special finance, commercial banking and other banking services. Future plans include expansion in the life-trust, pension and general insurance areas. Marfin also maintains a significant participation in Marfin Comm., the leading Greek communications company. The firm's activities extend to Greece and Cyprus through a network of 165 outlets. Marfin has gained a reputation for its innovative approach in business practices and standards and is acclaimed for the quality of its services, that belie the foundation of its business approach.

Contact Information:
Mr. A. Vgenopoulos President Mr. A. Pilos Managing Director
Kifisias 44 151 25 Maroussi, Athens, GREECE
Tel: (301) 616 5000 Fax: (301) 610 9280

MARFIN HELLENIC SECURITIES S.A.

Marfin Hellenic Securities S.A. was established in 1990 and has played, an important role in the Greek capital markets being a pioneer, pioneering in all market segments (equity markets, fixed income and derivative products). Marfin Hellenic Securities S.A. is a registered member of the Athens Stock Exchange and the Athens Derivatives Exchange. The company has always ranked among the top 10 brokerage firms.

In 1999, the company was ranked first in the domestic league tables with a 5% market share and in the top 3 in terms of profitability. As of January 2001, Marfin Hellenic Securities belongs to the Marfin Group.

In 2000, Marfin Hellenic Securities S.A. established a subsidiary in Cyprus, (which has since become a member of the Cyprus Stock Exchange).

Currently, Marfin Hellenic Securities S.A. has a broad clientele base of more than 85,000 accounts, which includes almost all the domestic institutional investors, a good number of foreign institutional investors, a number of listed and private companies, and one of the largest distribution networks of retail investors.

Marfin Hellenic Securities S.A. employs the largest network in Greece with 130 intermediaries, which act as order-taking outlets on behalf of the company. The network extends to the largest 32 cities of the country.

Contact Information:
Mr. K. Giouras President Mr. Iatrou Managing Director
Vas. Sofias 45 106 76 Athens, GREECE
Tel: (301) 726 3100 Fax: (301) 726 3101