The purpose of this document is to inform the customers of Argo Exchange S.A. (hereinafter referred to as the "Company") for the applicable terms and procedures governing the foreign exchange transactions carried out between the customers and the Company

• 1) For transaction value up to 1,000 Euro, during which the customer will receive cash from Company's store, it is required from the customer to demonstrate a valid id document to the employee who carries out the transaction
• 2) For transaction value up to 1,000 Euro, and in the case that Customer wishes the ammount of Euro to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as the customer to be the main beneficiary of the bank account to which he wishes the corresponding ammount of Euro to be deposited to. The Company maintains bank accounts with Eurobank, Piraeus Bank, Alpha Bank, National Bank and Attica Bank. In the case that the customer wishes for the money to be deposited to a different bank than the aforementioned, customer is obliged to cover the related bank transfer cost. Furthermore, a remittance to a different bank or country always involve delays regarding to the time needed for the money to appear in customer's account balance
• 3) For transaction value ranging from 1,000 Euro up to 14,999 Euro, during which the customer will receive cash from Company's store, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software
• 4) For transaction value ranging from 1,000 Euro up to 14,999 Euro, and in the case that Customer wishes the ammount of Euro to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as the customer to be the main beneficiary of the bank account to which he wishes the corresponding ammount of Euro to be deposited to. The Company maintains bank accounts with Eurobank, Piraeus Bank, Alpha Bank, National Bank and Attica Bank. In the case that the customer wishes for the money to be deposited to a different bank than the aforementioned, customer is obliged to cover the related bank transfer cost. Furthermore, a remittance to a different bank or country always involve delays regarding to the time needed for the money to appear in customer's account balance
• 5) For transaction value equal to or exceeding 15,000 Euro, as long as this ammount has been met within one year, regardless of the ammount of individual transactions involved, during which the customer will receive cash from Company's store, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as customer to provide the Company with an official document prooving his source of income used during the transaction
• 6) For transaction value equal to or exceeding 15,000 Euro, as long as this ammount has been met within one year, regardless of the ammount of individual transactions involved, and in the case that Customer wishes the ammount of Euro to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software, customer to provide the Company with an official document prooving his source of income used during the transaction as well as the customer to be the main beneficiary of the bank account to which he wishes the corresponding ammount of Euro to be deposited to. The Company maintains bank accounts with Eurobank, Piraeus Bank, Alpha Bank, National Bank and Attica Bank. In the case that the customer wishes for the money to be deposited to a different bank than the aforementioned, customer is obliged to cover the related bank transfer cost. Furthermore, a remittance to a different bank or country always involve delays regarding to the time needed for the money to appear in customer's account balance
• 7) In the case that customer wishes to transfer the ammount of foreign currency held in his/her bank account directly to Company's bank account, this is only possible for the currencies of US Dollar (USD) and British Pound (GBP). In this case customer should be aware that the transfer will delay in appearing in Company's bank account balance. The delay can vary from 4 up to 10 working days, depending on the country that the customer's bank is located. Nevertheless, even if customer holds an account in a Greek bank, this time can vary from 4 up to 7 working days, due to valeur applied by Greek Banks for currencies belonging to countries that don't belong to European Union. The exchange rate that will apply on the transaction will be the rate in effect the day that the foreign currency will be credited to the Company's bank account and not the rate in efffect during the day that the customer performed the bank transfer to Company's bank account. Customer is obliged to cover the related bank transfer cost

• 1) For transaction value up to 1,000 Euro, during which the customer will receive cash from Company's store, it is required from the customer to demonstrate a valid id document to the employee who carries out the transaction
• 2) For transaction value up to 1,000 Euro, and in the case that Customer wishes the ammount of foreign currency to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as the customer to be the main beneficiary of the bank account to which he/she wishes the corresponding ammount of foreign currency to be deposited to. A deposit of foreign currency to a customer's bank account can be only done for the US Dollar (USD) and the British Pound (GBP). For bank transfers related to these two currencies, customer should be aware that the transfer will delay in appearing in his/her bank account balance. The delay can vary from 4 up to 10 working days, depending on the country that the customer's bank is located. Nevertheless, even if customer holds an account in a Greek bank, the delay can vary from 4 up to 7 working days, due to valeur applied by Greek Banks for currencies belonging to countries that don't belong to European Union
• 3) For transaction value ranging from 1,000 Euro up to 14,999 Euro, during which the customer will receive cash from Company's store, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software
• 4) For transaction value ranging from 1,000 Euro up to 14,999 Euro, and in the case that Customer wishes the ammount of foreign currency to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as the customer to be the main beneficiary of the bank account to which he/she wishes the corresponding ammount of foreign currency to be deposited to. A deposit of foreign currency to a customer's bank account can be only done for the US Dollar (USD) and the British Pound (GBP). For bank transfers related to these two currencies, customer should be aware that the transfer will delay in appearing in his/her bank account balance. The delay can vary from 4 up to 10 working days, depending on the country that the customer's bank is located. Nevertheless, even if customer holds an account in a Greek bank, the delay can vary from 4 up to 7 working days, due to valeur applied by Greek Banks for currencies belonging to countries that don't belong to European Union
• 5) For transaction value equal to or exceeding 15,000 Euro, as long as this amount has been met within one year, regardless of the amount of individual transactions involved, during which the customer will receive cash from Company's store, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software as well as customer to provide the Company with an official document prooving his source of income used during the transaction
• 6) For transaction value equal to or exceeding 15,000 Euro, as long as this amount has been met within one year, regardless of the amount of individual transactions involved, and in the case that Customer wishes the ammount of foreign currency to be deposited in his/her bank account, it is required for customer's details (such as name/surname, date of birth, id document number, date of issue and expire date, address, telephone number) to be recorded in Company's transaction software, customer to provide the Company with an official document prooving his source of income used during the transaction as well as the customer to be the main beneficiary of the bank account to which he wishes the corresponding amount of foreign currency to be deposited to. A deposit of foreign currency to a customer's bank account can be only done for the US Dollar (USD) and the British Pound (GBP). For bank transfers related to these two currencies, customer should be aware that the transfer will delay in appearing in his/her bank account balance. The delay can vary from 4 up to 10 working days, depending on the country that the customer's bank is located. Nevertheless, even if customer holds an account in a Greek bank, the delay can vary from 4 up to 7 working days, due to valeur applied by Greek Banks for currencies belonging to countries that don't belong to European Union

Cancellation of a transaction (applies to both purchasing and selling foreign currency from/to customers) is possible only in the same day that the transaction was held. In order a customer to cancel a transaction the following conditions must apply simultaneously:

• a) A transaction can be canceled only by the branch of the Company at which the transaction receipt has been issued and not by any branch belonging to Company's network
• b) A transaction can only be canceled in full and not partially. The customer must therefore provide the total amount of Euro or foreign currency given to him/her, depending on the kind of transaction the customer performed
• c) In case of cancellation of sale of foreign currency to a customer transaction, foreign currency banknotes that are worn or torn are not accepted
• d) A transaction can only be canceled during the working hours of the respective branch that originally issued the transaction receipt. Working hours of Company's branches are available on the Company's site www.argo-exchange.gr, under the category "List of Stores"
• e) A customer that wishes to cancel a transaction must present to Company's employee the transaction receipt, otherwise the transaction can not be canceled
• f) Upon cancellation of a transaction the customer will receive the full amount of euro or foreign currency, as these are indicated on customer's transaction receipt, without withholding any additional expenses
• g) In the case of selling foreign currency to a customer where the latter chose to pay via debit/credit card, during the cancellation of the transaction the amount charged will be canceled through the branche's POS device and customer will receive the corresponding cancellation receipt printed from the POS device. For various reasons that involve the country of customer's bank as well as the day and time the cancellation occured (weekend, official holiday etc.) the refund may delay and therefore the money will appear to customer's bank account a few days later
• h) In the case of cancellation of a transaction which concerned sale of foreign currency to a customer who deposited the corresponding euro to Company's bank account, the refund to customer's account can only take place between 09:00-17:00 during working days. In any other case a refund will be made on the next working day of the day that the cancellation took place. The customer will be provided with the bank's receipt of remittance, however if customer's bank is located in a different country than Greece it may need a few days until the money appear in his/her bank account

• a) The Company implements a different pricing policy according to its needs for buying and selling foreign currency. Based on this policy, Company may, from time to time, set only a selling or buying rate for certain currencies. In case the Company sells a foreign currency to a customer, the latter may not request from the Company to buy any remaining quantity back as long as the Company has not set a buying rate in its official site www.argo-exchange.gr for this currency
• b) In continuation of point (a) of Special Terms, in case the Company buys a foreign currency from a customer, the latter may not request to buy back any quantity of this currency, as long as the Company has not set a selling rate in its official site www.argo-exchange.gr for this currency