Retirement Savings Plan

At Emporiki Bank, we believe that in order for the years of retirement to be beautiful and comfortable we need to take action at an early stage. Especially at this period of time as it is a common practice for a lot of people to boost the basic pension with a programme that ensures an additional income and creates the conditions for securing the standard of living during the period of retirement.

Within this context, we have created and we offer you today the new Pension saving System, Emporiki myLife Plan.

Emporiki myLife Plan is a pension plan that aims at helping you plan and materialize gradually the creation of a capital, which will be used during the period of your retirement, in line with your needs.

At Emporiki Bank, not only do we know the way but we can also help you achieve the best possible outcome with Emporiki myLife Plan.

Our specialized personnel have the appropriate tools of pension planning in order to guide you correctly. Your questions regarding the following issues will be answered:

• when you should start saving
• what amount of money you need to save
• if those savings are enough for your pension, etc.

At the moment Emporiki myLife Plan offers you the opportunity to choose among a savings account of special purpose and two pension plans (that may be combined) offering you guarantee, flexibility and significant returns according to the product. More specifically, these products are:

• Shediazo syntaksi evelikta (Planning pension with flexibility)
• Shediazo syntaksi eggyimena (Planning pension guaranteed)
• Shediazo syntaksi apodotika (Planning pension with returns)

In the near future, Emporiki myLife Plan will be enriched with other products in order to continue covering your needs successfully and face up to the current challenges.

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Shediazo syntaksi evelikta (Planning pension with flexibility)

• a special purpose savings account that combines systematic saving with high returns, with the aim to create a capital which will be used during the period of retirement
• minimum amount of deposit (for opening the account): €300
• variable competitive interest rate (the interest rate of each scale is applied to the whole amount of the deposit) and six-month computation of interest¹
• flexibility:
  • to choose the duration of saving, from five (5) to twenty (20) years
  • to the number of the deposits, since an infinite number is allowed at the tellers’ offices
• the option of regular deposits at the account, through a standing order
• the option of withdrawal from the tellers’ offices at the branches (with the predefined compensation)²
• free of charge insurance coverage in case of loss of life of the first beneficiary
• access to medical services and examinations at preferential prices (also for the co-beneficiaries of the account) free of charge
• recognition card both for diagnostic check ups and for the exchanges at the tellers’ offices without using a passbook
• monitoring of the account through Emporiki e.Banking

¹The interest rate is subject to 15% tax return to the Greek Public Sector
² Semestrial Computation of Interest, with an interest capitalization and block. In case of withdrawal during the following six months the interest rates of the previous six months are withheld by the Bank as compensation. No computation of Interest for amounts over €200,000.

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Shediazo syntaksi eggyimena (Planning pension guaranteed)

• A pension – insurance plan that allows you to start saving systematically today and thus create a guaranteed capital for the future.
• It offers a guaranteed return of 2% for the first five (5) years and 1% for the remaining years. Furthermore, you have the option to participate in the dynamic yields of your saved capital during the full term of the plan.
• Flexibility:
  • to choose your insurance premium (possibility to adjust both the amount and the frequency of your payments, make extra payments if you wish to reinforce your account and choose the annual disinflation indexation percentage that suits you best)
  • to choose the age you wish to retire (plan duration of up to 40 years) and the way you will receive your capital at retirement
  • to de-activate and re-activate the plan* whenever you wish
  • to liquidate your savings, partially or totally, after the first year (with the predefined compensation)
• Insurance coverage* in case of:
  • loss of life due to accident or illness, the beneficiaries receive the full amount of the savings (less any partial buyout amounts)
  • total permanent disability, Crédit Agricole Life undertakes to pay the amount of your monthly saving till the maturity of your plan, and moreover in case of total permanent disability due to accident you get a lump sum of €10.000
• Optionally, by paying only €10/month you can enjoy the benefits of the plus in health programme, which ensures access to top medical services and emergency medical transfer within Greece.

*according to the terms and conditions of the insurance policy

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Shediazo syntaksi apodotika (Planning pension with returns)

• A Unit-linked type pension – insurance plan that allows you to start saving systematically today and thus create a substantial capital for the future.
• It offers dynamic returns, since the investment part of your plan comprises 2+1 investment funds (UCITS - Undertakings for Collective Investment in Transferable Securities):
  • two for dynamic returns - the Amundi International SICAV and the sub-capital Amundi Funds Index Global Bond (EUR) Hedged and
  • one that secures your returns – the sub-capital Amundi Funds Money Market Euro
• The plan automatically follows your life cycle and age for its full term. The amounts invested in each fund (UCITS) are predetermined per age group and the investment percentages are readjusted automatically
• Flexibility:
  • to choose your insurance premium (possibility to adjust the amount and frequency of your payments, make extra payments if you wish to reinforce your account and choose the annual disinflation indexation percentage that suits you best)
  • to choose the age you wish to retire (plan duration of up to 40 years) and the way you will receive your capital at retirement
  • to change the percentage of your money invested in each fund (UCITS) – if you wish active management on your savings
  • to de-activate and re-activate the plan* whenever you wish
  • to liquidate your savings, partially or totally, after the first year (with the predefined compensation)
• Insurance coverage* in case of:
  • loss of life due to accident or illness – your beneficiaries receive the highest amount between the 100% of your account value or all your accumulated payments (less any partial buyouts)
  • total permanent disability, Crédit Agricole Life undertakes to pay the amount of your monthly saving till the maturity of your plan, and moreover in case of total permanent disability due to accident you get a lump sum of €10.000
• Optionally, by paying only €10/month you can enjoy the benefits of the plus in health plan, which ensures access to top medical services and emergency medical transfer within Greece.

*according to the terms and conditions of the insurance policy.

The product Shediazo syntaksi apodotika (Planning pension with returns) falls under Mifid directive and is characterized as complex. In this specific product there is no capital guarantee at maturity therefore, there is a possibility of capital loss.

INVESTMENTS IN UCITS DO NOT HAVE GUARANTEED RETURNS AND PREVIOUS RETURNS DO NOT ENSURE FUTURE RETURNS.

The plans Shediazo syntaksi eggyimena (Planning pension guaranteed) and Shediazo syntaksi apodotika (Planning pension with returns) have been designed by Crédit Agricole Life and are exclusively available at the Branch Network of Emporiki Bank.

Visit an Emporiki Bank Branch today and fill in the special questionnaires for your Emporiki myLife Plan.

For more information

• Come to discuss with us in person at one of our branches or
• Contact us on 801 801 801 1 (from landline) and 0030 210 65.05.000 (from mobile phone or abroad)

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Program plus in health

For you that you have chosen your pension plan from Emporiki Bank, we have ensured you access to medical services of high quality with preferential terms.

Combine today your Shediazo pension plan with the program plus in health, which will support your medical care at a monthly premium of only €10.

With plus in health you assure:

• FREE diagnostic tests up to €200 annually
• 30% discount on diagnostic tests over the ceiling of €200 annually
• 50% discount on dental services at associate dentists
• 20% discount on ophthalmologic surgeries at associate ophthalmology centers
• 10% discount in case of hospitalization at Euromedica’s Group clinics
• Emergency sanitary air transportation due to accident or illness within Greece
• Scheduled ground ambulance transportation
• Doctors and/or nurses nationwide escorts in case of an emergency
• Personal membership card

as well as a call centre Line plus in health 24 hours a day, 7 days a week, 365 days a year.

Take care of your health today and exploit the advantage we offer you by providing you access to medical services of high quality.

For further information

• Come to discuss with us in person at one of our branches or
• Contact us on 801 801 801 1 (from landline) and 0030 210 6505000 (from mobile phone or abroad), 24hours| 7days