Why Cyprus?

DISCLAIMERRecipients of this presentation in jurisdictions outside the UK or the US should inform themselves about and observe any applicable legalrequirements. This presentation is only being made available to interested parties on the basis that: (A) if they are UK persons, they are (i)persons who are "Investment Professionals", as described in Article 19 of the Financial Services and Markets Act 2000 (Financial Promotion)Order 2005 (the "Financial Promotion Order"), (ii) persons falling within any of the categories of persons described in Article 49 of the FinancialPromotion Order, (iii) persons to whom this Memorandum may otherwise lawfully be made available; (B) if they are United States persons, theyare ‘accredited investors’ as defined under Rule 501(a) promulgated under the United States Securities Act of 1933, as amended; or (C) areoutside the United Kingdom and the United States and eligible under local law to receive this Memorandum (all such persons collectively beingreferred to as “Relevant Persons”). By accepting this document you represent and warrant that you are such a person. This document mustnot be acted on or relied on and should be returned to Marfin Popular Bank by persons who are not Relevant Persons. Any investment orinvestment activity to which this communication relates is available only to Relevant Persons and will be engaged in only with Relevant Persons.Each person that receives a copy, by acceptance thereof, represents and agrees that he/she will not distribute or otherwise make available thisdocument to any other person.This presentation contains forward-looking statements, which include comments, statements and opinions with respect to our objectives andstrategies, and the results of our operations and our business, considering environment and risk conditions.However, by their nature, these forward-looking statements involve numerous assumptions, uncertainties and opportunities, both general andspecific. We caution that these statements represent the Group’s judgments and future expectations and that we have based these forwardlookingstatements on our current expectations and projections about future events. The risk exists that these statements may differ materiallyfrom actual future results or events and may not be fulfilled. We caution readers of this presentation not to place undue reliance on theseforward-looking statements as a number of factors could cause future Group results to differ materially from these targets.Forward-looking statements may be influenced in particular by factors such as movements in local and international securities markets,fluctuations in interest rates and exchange rates, the effects of competition in the areas in which we operate, general market, macroeconomic,governmental and regulatory trends and changes in economic, regulatory and technological conditions. We caution that the foregoing list is notexhaustive.When relying on forward-looking statements to make decisions, investors should carefully consider the aforementioned factors as well as otheruncertainties and events. Any statements regarding past trends or activities should not be taken as a representation that such trends oractivities will continue in the future. All forward - looking statements are based on information available to Marfin Popular Bank Public Co Ltd.on the date of this presentation and Marfin Popular Bank Public Co Ltd. assumes no obligation to update such statements, unless otherwiserequired by applicable law.Nothing on this presentation should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or toengage in any other transaction. Neither this presentation nor a copy of it may be taken or transmitted into Australia, Canada or Japan, ordistributed, directly or indirectly, in Australia, Canada or Japan. Any failure to comply with this restriction may constitute a violation ofAustralian, Canadian or Japanese securities law. The distribution of this presentation in other jurisdictions may be restricted by law and personsinto whose possession this presentation comes should inform themselves about, and observe, any such restrictions.42