National Bank of Greece S.A. (the Bank) and its subsidiaries head a strong financial group established on four continents in 18 countries. As of December 31, 2000, the Bank had 606 branches and 840 ATMs in Greece, and 328 banking units overseas. The Bank offers retail and corporate banking products. Retail products include salary accounts, deposits in Greek drachmas, foreign exchange operations, investments, loans, cards, insurance products, safe deposit boxes, checks and money orders. Corporate products include deposits, serving customers' payroll, cards, loans, factoring and special cooperation through dealers and agents. The Bank is also developing alternative distribution channels for its products. The provision of banking products via mobile telephone and the utilization of the Internet to perform bank transactions are among its priorities.