EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS 3 DECEMBER 2025 INFORMATION FOR THE SHAREHOLDERS

EXTRAORDINARY GENERAL MEETING Wednesday, 3 December 2025, 10:00 a.m.

which will take place in a hybrid manner, namely, with the physical presence of Shareholders in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building H, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, in real time, via teleconference.

Should the quorum required by law not be achieved, the Extraordinary General Meeting of the Shareholders of the Company will take place in Repeat Meeting on Thursday, December 11, 2025, at 10:00 a.m., also in a hybrid manner, namely, with the physical presence of Shareholders in the conference hall of Nea Ionia, at 8 Iolkou Street, Building H, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, via teleconference in real time, without the publication of a further invitation.

1. AGENDA ITEMS	3
2. SUMMARY OF ITEMS ON THE AGENDA	4
3. DOCUMENTS SUBMITTED TO THE GENERAL MEETING	6
4. INVITATION	7
5. BALLOT-PAPER	14
6. MAIL VOTE DOCUMENT	15
7. PROXY FOR PARTICIPATING REMOTELY BY TELECONFERENCE	16
8. PROXY FOR PARTICIPATING IN PERSON	18
9. PROXY FOR VOTING REMOTELY BEFORE THE EXTRAORDINARY GENERAL MEETING	20
10. TOTAL NUMBER OF SHARES AND VOTING RIGHTS	22
11. MINORITY SHAREHOLDERS' RIGHTS	23
12. TERMS AND CONDITIONS FOR THE PARTICIPATION IN THE REMOTE GENERAL MEETING OF THE SHAREHOLDERS OF "EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A."	25

1. AGENDA ITEMS

The Board of Directors invites the shareholders of "Eurobank Ergasias Services and Holdings S.A." ("Company") to decide upon the following issue on the agenda:

Only Item: Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.

2. SUMMARY OF ITEMS ON THE AGENDA

Note: The voting rights held by the Company (own shares) shall not be taken into consideration for the purposes of calculating quorum and majority.

Only item: Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of the latter by the former in accordance with the provisions of Articles 6–21, 30– 34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, of the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.

Required quorum: 50% of share capital

Required quorum of Repeat Meeting: 20% of share capital

Required majority: 2/3 of votes (present in person or by proxy)

Τhe Chairman of the General Meeting refers to the resolution of the Board of Directors of the Company dated 18 December 2024, by which it was decided to initiate the merger procedure between the société anonyme "Eurobank S.A." (hereinafter the "Absorbing Company") and the société anonyme "Eurobank Ergasias Services and Holdings S.A." (hereinafter the "Absorbed Company" or the "Company", and together with the Absorbing Company, the "Merging Companies"), by absorption of the latter by the former, pursuant to Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, as currently in force (hereinafter the "Merger").

In implementation of the above resolution of the Company's Board of Directors, the following actions were carried out:

1. On 18 December 2024:

(a) The Boards of Directors of the Merging Companies, by their respective resolutions dated 18.12.2024, determined 31 December 2024 as the date for the preparation of the transformation balance sheets of the Absorbed Company and the Absorbing Company.
(b) The Boards of Directors of the Merging Companies, by their respective resolutions dated 18.12.2024, appointed the audit firm "Deloitte Certified Public Accountants S.A." (SOEL Reg. No. E120) to verify the accounting value of the assets and liabilities of the Absorbed Company and the Absorbing Company, as reflected in their transformation balance sheets as of 31 December 2024, respectively.
1. The transformation balance sheets of the Absorbed Company and the Absorbing Company, with reference date 31 December 2024, were duly prepared.
1. The Boards of Directors of the Merging Companies, by their respective resolutions dated 30 April 2025, approved the Draft Merger Agreement (hereinafter the "Draft Merger Agreement") for the proposed Merger. The Draft Merger Agreement, having been duly signed by the authorised representatives of the Merging Companies pursuant to the said Board resolutions, was submitted to the required publication formalities in accordance with Article 8 of Law 4601/2019, and filed with the General Commercial Registry (G.E.MI.) on 19 May 2025. The reports issued by the Boards of Directors of the Merging Companies on the Draft Merger Agreement, in accordance with Article 9 of Law 4601/2019, as well as the report prepared by the audit firm "Deloitte Certified Public Accountants S.A." (SOEL Reg. No. E120) pursuant to Article 10 of Law 4601/2019 were also filed with G.E.MI..

From the date of the above publication until today, no creditor of the Company whose claims arose prior to the publication and had not yet fallen due at the time thereof has requested guarantees, according to Article 13 of Law 4601/2019.

On September 29th, 2025 European Central Bank approved the application of the merger.

The Chairman notes that the documents relating to the Merger had been made available to the shareholders of the Merging Companies in accordance with Article 11 of Law 4601/2019. Furthermore, he declares that the procedure for informing the personnel has been followed.

The Chairman informs the General Meeting that the BoD proposes to the GM the amendment of clause 1.6 of the Draft Merger Agreement, as, following the approval of the Draft Merger Agreement by the Boards of Directors of the Merging Companies, an amendment to the Athens Stock Exchange (ATHEX) Regulation was adopted pursuant to Decision No. 212/19.05.2025 of the ATHEX Steering Committee, which was approved by Decision No. 1054/5.6.2025 of the Hellenic Capital Market Commission. The said amendment introduced a new procedure for the approval of share listings in cases of mergers by absorption of a listed company, without the prior fulfilment of the minimum required free float.

In light of the foregoing, the Chairman informs the General Meeting that the Board of Directors proposes to the General Meeting:

a) the approval of the Draft Merger Agreement with its annexes (including the transformation balance sheets of the Absorbed Company and the Absorbing Company, with reference date 31 December 2024), with the following amendment to the relevant Clause 1.6.;
"1.6. Prior to the approval of the Merger as provided above, the Absorbing Company shall submit an application to the Athens Stock Exchange for the listing of its existing shares. In particular, the existing shares of the Absorbing Company shall be admitted to trading on the Athens Stock Exchange under suspension, subject to satisfaction of the free float requirements set out in the Athens Exchange Rulebook and the completion of the Merger in accordance with the provisions of section 3.1.15.6 of the Athens Stock Exchange Regulation. Upon completion of the Merger and the share capital increase of the Absorbing Company, the newly issued shares shall be listed on the Athens Stock Exchange, and. Trading in the trading of the shares of the Absorbing Company shall commence. upon the lifting of the suspension. For the listing of the existing shares of the Absorbing Company on the Main Market of the Athens Stock Exchange, a prospectus will be issued and published in accordance with Regulation (EU) 2017/1129, following the approval of the Hellenic Capital Market Commission. The prospectus will include, among other things, the necessary information required to inform the investing public about the Merger in accordance with applicable legislation."
(b) the approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A.", by absorption of the latter by the former, in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, as in force, and under the specific terms and conditions set out in the Draft Merger Agreement, as proposed to be amended above, and the rest of the documents, as submitted to the General Meeting.

Draft proposed resolution on aforementioned item of the agenda:

The GM, with a majority exceeding the minimum required by the law, approved:

(a) the Draft Merger Agreement with its annexes (including the transformation balance sheets of the Absorbed Company and the Absorbing Company, with reference date 31 December 2024), with the above amendment to Clause 1.6., and
(b) the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of the latter by the former, in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, as in force, and under the specific terms and conditions set out in the Draft Merger Agreement, as approved above, and the rest of the documents, as submitted to the General Meeting.

The General Meeting unanimously authorized Messrs. F. Karavias, S. Ioannou, Κ. Vassiliou, H. Kokologiannis, A. Kazakos, H. Koukoutsaki, E. Deligiannis and A. S. Kouleimanis, to appear before a notary public and, on behalf of the Company, execute the notarial deed of merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of the latter by the former, determining the specific terms of the merger deed within the framework of the approved Draft Merger Agreement, and to sign any other document, application, declaration, or certificate etc. as may be required for the completion of the Merger.

Furthermore, the General Meeting unanimously authorised the Board of Directors to resolve any matter that may arise in connection with the approved Merger, at its absolute discretion.

3. DOCUMENTS SUBMITTED TO THE GENERAL MEETING

Since 19.05.2025 the following documents have been made available to the shareholders of "Eurobank Ergasias Services and Holdings S.A." ("Eurobank Holdings") according to the law, on the website of the Company www.eurobankholdings.gr as well as at the Company's registered seat in Athens, 8 Othonos Str., 105 57 (tel. 210 3337000):

1. the Draft Merger Agreement between Eurobank and Eurobank Holdings,
1. the Transformation Balance Sheets of Eurobank and Eurobank Holdings dated 31.12.2024,
1. the Annual Reports of the last three (3) financial years of Eurobank and Eurobank Holdings,
1. the report of the Board of Directors of Eurobank to the General Meeting of Shareholders,
1. the report of the Board of Directors of Eurobank Holdings to the General Meeting of Shareholders,
1. the report on the pre-agreed procedures regarding the determination of the book value of Eurobank's assets and liabilities as of 31.12.2024, as well as the examination of the Draft Merger Agreement and the expression of the opinion required by law, which was carried out by the statutory auditor Mr. Dimitrios Katsimpokis (SOEL Reg. No.: 34671) of the audit firm "Deloitte Certified Public Accountants S.A." (SOEL Reg. No.: E120),
1. the report on the pre-agreed procedures regarding the determination of the book value of Eurobank Holdings' assets as of 31.12.2024, as well as the examination of the Draft Merger Agreement and the expression of the opinion required by law which was carried out by the statutory auditor Mr. Konstantinos Kakoliris (SOEL Reg. No.: 42931) of the audit firm "Deloitte Certified Public Accountants S.A." (SOEL Reg. No.: 120).

The Draft Merger Agreement, including a proposed amendment to clause 1.6, is also made available to the shareholders of Eurobank Ergasias Services and Holdings S.A..

The item on the agenda of the Extraordinary General Meeting is analyzed in section 2. «SUMMARY OF ITEMS ON THE AGENDA».

4. INVITATION

Eurobank Ergasias Services and Holdings S.A.

Extraordinary General Meeting of the Shareholders

3 December 2025

10:00 a.m.

INVITATION

In accordance with Law 4548/2018 "Reform of the legislation of Sociétés Anonymes", as in force, and the Articles of Association of the Company, the Board of Directors by its decision dated 22 October 2025 invites the shareholders of Eurobank Ergasias Services and Holdings S.A. to participate in a hybrid manner, namely, with the physical presence of Shareholders in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building Η, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, in real time, via teleconference, in the Extraordinary General Meeting, on Wednesday, 3 December 2025, at 10:00 a.m., in order to discuss and decide on the following item of the agenda. The persons falling under pars. 1 and 2 of article 127 of law 4548/20218 may also be present in the Extraordinary General Meeting in the same manner.

Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.

Should the quorum required by law not be achieved, the Extraordinary General Meeting of the Shareholders of the Company will take place in Repeat Meeting on Thursday, December 11, 2025, at 10:00 a.m., also in a hybrid manner, namely, with the physical presence of Shareholders in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building Η, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, via teleconference, in real time, without the publication of a further invitation. In the same manner, the persons falling under pars. 1 and 2 of article 127 of law 4548/20218 may also be present in the Repetitive Extraordinary General Meeting.

The Extraordinary General Meeting and any Repetitive Meeting will take place in a hybrid manner, namely, with the physical presence of Shareholders in the conference hall of Nea Ionia, at 8 Iolkou Street, Building Η, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, via teleconference, in real time, under the conditions of the legislation in force and the specific provisions in the present invitation.

In addition, in accordance with the provisions in the Articles of Association of the Company, shareholders are provided with the option to participate remotely by mail vote in the vote on the item of the Extraordinary General Meeting and any Repetitive Meeting, that will take place before the General Meeting, under the conditions of the legislation in force and the specific provisions in the present invitation.

Pursuant to articles 121 par. 4, 124 par. 6, 125, 126 and 128 of Law 4548/2018, the Company informs the shareholders on the following:

Α. Right To Participate and Vote in the General Meeting

In the Extraordinary General Meeting of 3 December 2025 is only entitled to participate and vote any person who has the status of shareholder at the start of the fifth (5th) day before the meeting date of the Extraordinary General Meeting, i.e. at the beginning of November 28,2025 ("Record Date").

The Record Date of 28 November 2025 is also the record date for the Repetitive General Meeting.

For the Company, shareholder who is entitled to participate in the General Meeting and exercise the right to vote is considered any person who is registered on the Record Date in the Dematerialized Securities System (DSS) of the company "Hellenic Central Securities Depository S.A." (ATHEXCSD) or any person identified as such based on the relevant date through registered intermediaries or other intermediaries in compliance with the provisions of the legislation (Law 4548/2018, Law 4569/2018, Law 4706/2020 and Regulation (EU) 2018/1212) and the Rulebook of Operation of the Hellenic Central Securities Depository.

The shareholder capacity is verified by any legal means and in any case based on information the Company receives by ATHEXCSD via a direct electronic linkup of the Company with the records of DSS or through the abovementioned intermediaries in accordance with the abovementioned provisions. A shareholder may participate in the General Meeting on the basis of confirmations or notifications of articles 5 and 6 of Regulation (EU) 2018/1212 provided by the intermediary unless the General Meeting refuses this participation for a good reason that justifies its refusal in accordance with the provisions in force (article 19 par. 1 of Law 4569/2018, article 124 par. 5 of Law 4548/2018).

Exercising the rights of participation and vote does not require either the blocking of the shares of the beneficiary or any other similar procedure which limits the ability to sell and transfer these shares during the period between the Record Date and the date of the General Meeting. Each share is entitled to one vote.

Β. Procedure for Participating and Voting remotely in real time by teleconference

In order for shareholders to participate and vote at the Extraordinary General Meeting on 3 December 2025 or at any Repetitive Meetings which will take place remotely, in real time by teleconference, without their physical presence according to article 125 of law 4548/2018, they or their proxies must create and use an electronic shareholder account at the internet platform that has been developed by the Hellenic Exchanges – Athens Stock Exchange Group to provide remote General Meeting services, in real time, by teleconference to listed companies on the website https://axia.athexgroup.gr/en/home.

The internet platform is provided by the company "Hellenic Central Securities Depository S.A." (ATHEXCSD), while for the teleconference are used the ΖΟΟΜ meeting services of the company Zoom Video Communications Inc.

In order to access the internet platform, a personal computer, a smartphone or a tablet with an installed browser and internet access is required.

In order for a shareholder or his/her proxy to create an account in the internet platform above, a valid electronic mail (email) account and a mobile telephone number are required by the shareholder or his/her proxy.

If, on accessing the internet platform, the above information entered by the shareholder does not match the information registered in the Dematerialized Securities System (DSS) and has been provided to the Company by the "Hellenic Central Securities Depository S.A." (ATHEXCSD ) or through intermediaries, as part of its services to facilitate shareholder identification for remote general meetings which are provided to listed companies in accordance with Part 3 of Decision No 8 of the "Hellenic Central Securities Depository S.A." "Technical terms and procedures for the provision of the Registry, Corporate and Other Related Actions Service", as well as with the document "Terms and Conditions for the remote General Meeting of Shareholders", shareholders must provide and/ or update the information above, in order to create the account.

For this purpose, shareholders are requested to contact without delay the Participant of the Securities Account in the DSS or any other intermediary that provides them with custody services for the shares of the Company, as the case may be, in order to notify and/ or update their valid email address and mobile telephone number for their identification.

Further instructions to participate at the General Meeting by teleconference will be posted on the website of the Company and will be sent via email to shareholders that have completed the above procedure and are eligible to participate at the Extraordinary General Meeting or any Repetitive meetings.

For any questions and for instructions, shareholders may contact the Company's Investor Information Services Division by email at [email protected] or by telephone at +30 2144046400 (daily between 09.30 and 17.00).

Furthermore, from the publication of the Invitation and until the end of the General Meeting, information and support will be provided to shareholders and their representatives on matters relating to the conduct of the General Meeting via the platform ΑΧΙΑ e-SM (e.g. sign in, voting, etc.) at (+30) 210 3366426 or by e-mail to [email protected].

Shareholders that participate at the Extraordinary General Meeting by teleconference in real time are taken into consideration for the formation of the quorum and majority and will be able to exercise their rights effectively during the General Meeting.

On the date of the General Meeting, in order to participate in the proceedings, shareholders must log in on time through the Internet Platform, at least fifteen minutes (15') before the start time of the General Meeting announced in the Invitation and state the number of voting rights with which they will participate in the General Meeting and vote and, whether they wish to amend it (to a smaller amount).

Shareholders that will have been successfully connected to the internet platform will be able to participate in the Extraordinary General Meeting by teleconference in real time via a link that will be sent to them by email.

By activating the teleconference application ΖΟΟΜ through the link at the start of the Extraordinary General Meeting, shareholders will be able to:

a) follow the proceedings of the General Meeting with electronic or audiovisual means,
b) take the floor and address the General Meeting while it is conducted,

while at the same time through the internet platform, they will be able to:

c) vote in real time during the General Meeting on the items of the agenda and
d) receive information on the recording of their vote.

C. Procedure for remotely participating in the vote that takes place before the General Meeting (Mail Vote)

Ι. In addition, shareholders have the option to participate remotely, in person or by proxy, at the vote on the items of the agenda of the General Meeting that will take place before the General Meeting, under the conditions of article 126 of Law 4548/2018 and according to the following.

More specifically, shareholders that wish to participate and vote remotely on the items of the General Meeting that will take place before the General Meeting can make use of the following options:

a) either by exercising the right to vote before the General Meeting through the electronic platform https://axia.athexgroup.gr/en/home in which they will have previously created an account and have successfully registered as described in B. above at the latest until twenty-four (24) hours before the date of the Extraordinary General Meeting (i.e. until 10.00 a.m. on 02.12.2025 at the latest),
b) or by completing and submitting the "Mail vote Document", with the signature authenticated, to the Company's Investor Information Services Division at: Panagouli & Siniosoglou Streets, Building E, GR 14234 N. Ionia,

or by sending it digitally signed by using a recognized digital signature (qualified certificate) by the shareholder, the representative or the proxy, via email at [email protected], at least twenty-four (24) hours before the date of the General Meeting (i.e. until 10.00 a.m. on 02.12.2025 at the latest),

c) or by participating based on confirmations or notifications provided by intermediaries under articles 5 and 6 of Regulation (EU) 2018/1212.

Shareholders that vote as above before the General Meeting are counted to form the quorum and majority, provided that the votes in question have been received by the Company by 10.00 a.m. on 02.12.2025 at the latest.

ΙΙ. It is noted that shareholders that wish to appoint proxies to participate at the remote vote on the items of the General Meeting which will take place before the General Meeting can appoint up to one (1) proxy; the appointment must be made at the latest forty-eight (48) hours before the date of the General Meeting (i.e. by 10.00 a.m. on 01.12.2025 at the latest), as specifically described below in E. II.

After that date, it will not be possible to participate by proxy in the vote that will take place before the Extraordinary General Meeting.

ΙΙΙ. If the quorum, as required by the law in order to decide the whole or part of the original agenda, is not obtained during the meeting of 3 December 2025, at the Repetitive General Meeting which will take place on Thursday, 11 December 2025 at 10.00 a.m., the right to vote remotely by mail vote must be exercised again by a vote that will take place before the Repetitive General Meeting, in the following ways:

a) either by exercising again the right to vote before the General Meeting through the internet platform https://axia.athexgroup.gr/en/home in which they have previously created an account and have successfully registered as described in B. above at the latest twenty-four (24) hours before the date of the Repetitive General Meeting (i.e. until 10.00 a.m. on 10.12.2025 at the latest).
b) or by completing and submitting a new "Mail vote document" that will be provided by the Company for the items for which no decision was taken by the General Meeting of April 3rd, 2025, filled-in and signed, with the signature authenticated, to the Company's Investor Information Services Division at Panagouli & Siniosoglou Streets, building E, GR 14234 N. Ionia, or by sending it digitally signed by using a recognized digital signature (qualified certificate) by the shareholder, the representative or the proxy via email at [email protected], at least twentyfour (24) hours before the date of the Repetitive General Meeting (i.e. by 10.00 a.m. on 10.12.2025 at the latest).
c) or by participating based on confirmations or notifications provided by intermediaries under articles 5 and 6 of Regulation (EU) 2018/1212.

Shareholders that vote as above before the Repetitive General Meeting are counted for the formation of the quorum and majority, provided that the votes in question are received by the Company by 10.00 a.m. on 10.12.2025 at the latest.

ΙV. For the potential Repetitive General Meeting of December 11th, 2025, shareholders that had not appointed a proxy for the initial General Meeting, or shareholders that wish to replace the proxy that had been appointed, in order to participate at the remote vote that will take place before the General Meeting, can appoint up to one (1) proxy, at least forty-eight (48) hours before the date of the Repetitive General Meeting (i.e. by 10.00 a.m. on 09.12.2025 at the latest), as specifically mentioned below in E. II.

After that date, it will not be possible to participate by proxy at the vote that will take place before the Repetitive General Meeting.

For any questions and for instructions, shareholders may contact the Investor Information Services Division of the Company by email at [email protected] or by telephone at +30 2144046400 (daily between 09.30 and 17.00).

In addition, shareholders are requested to confirm that the "Mail Vote Document" is successfully sent to and received by the Company and, to this end, they can call the Investor Information Services Division of the Company at +30 2144046400.

D. Procedure for participating in the vote with physical presence

For shareholders who wish to participate in person or by proxy, with physical presence, in the voting on the agenda items of the General Meeting (or any Iterative Meeting) in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building Η, Nea Ionia, GR 14234, the use of identity card or passport is necessary.

E. Procedure for Participating and Exercising Voting Rights by Proxy

Ι. Shareholders may participate in the Extraordinary General Meeting and vote either in person or by proxy. Each shareholder may appoint up to three (3) proxies. In cases where a shareholder owns shares of the Company that are held in more than one investor securities account, the above limitation does not prevent the shareholder from appointing separate proxies for the shares appearing in each account. A proxy appointment can be freely recalled. A proxy holding proxies from several shareholders may cast votes differently for each shareholder.

A shareholder may appoint a proxy for one or more General Meetings and for a specific time period. The proxy shall vote according to the shareholder's instructions, if any. Non-compliance with the instructions received by the shareholder shall not affect the validity of the resolutions of the General Meeting, even if the proxy's vote was the decisive one for the achievement of a majority. The shareholder's proxy shall archive the voting instructions for at least one (1) year, starting from the date of the General Meeting or, in case of postponement, from the date of the last Iterative Meeting in which the proxy right was exercised.

The shareholder proxy is obliged to notify the Company, before the start of the General Meeting, about any specific event, which may be useful to shareholders in order to assess the risk that the proxy may serve other interests besides the interests of the shareholder.

A conflict of interest may arise particularly when the representative is:

a) a shareholder that exercises control of the Company, or other legal person or entity that is controlled by that shareholder,
b) a member of the Board of Directors or in general of the management of the Company or a shareholder that exercises control of the Company, or other legal person or entity that is controlled by that shareholder, which exercises control of the Company,
c) an employee or an auditor of the Company or a shareholder that exercises control or other legal person or entity that is controlled by a shareholder that exercises control of the Company,
d) a spouse or a relative in the first degree with one of the private individuals that are mentioned in cases a) to c) above.

The appointment and revocation or replacement of the proxy or representative takes place in writing or by electronic means that are submitted to the Company at least forty-eight (48) hours before the appointed date of the General Meeting. Notification of the appointment and revocation or replacement of the proxy by electronic means is made by electronic mail at the email address on the Invitation to the General Meeting or, in case of shareholders that are identified through intermediaries, through confirmations or notifications of articles 5 and 6 of Regulation (EU) 2018/1212 provided by intermediaries.

ΙΙ. Specifically for shareholder participation by proxy at the Extraordinary General Meeting of 3 December 2025 or any Repetitive Meetings, remotely in real time by teleconference, or for shareholder participation by proxy in the vote on the items of the General Meeting that will take place before the General Meeting, shareholders or Participants in the Securities Accounts in the DSS or other intermediary that provides custody services for the shares of the Company, can appoint up to one (1) proxy, whose appointment must be made at least forty-eight (48) hours before the date of the Extraordinary General Meeting (i.e. by 10.00 a.m. on 01.12.2025 at the latest).

For the potential Repetitive General Meeting of 11 December 2025, shareholders that had not appointed a proxy for the initial General Meeting, or shareholders that wish to replace the proxy that had been appointed, they can appoint up to one (1) proxy, at least forty-eight (48) hours before the date of the Repetitive General Meeting (i.e. by 10.00 a.m. on 09.12.2025 at the latest).

Upon receipt of the information above by the Company and based on the email address and mobile telephone of the proxy, as declared in the proxy document, the Company creates an account for the proxy on the electronic platform; the proxy is informed by email in order to activate the account in order to exercise the rights of the shareholder in accordance with what is referred to in B., C. and D. above.

The Company has made available documents:

a) To appoint a proxy to participate in the General Meeting on 3 December 2025 remotely in real time by teleconference;
b) To appoint a proxy to participate in the General Meeting on 3 December 2025 with physical presence; and
c) To appoint a proxy to vote on the item of the agenda of the General Meeting of 3 December 2025 that will take place before the General Meeting.

These documents are available to shareholders in hard copy either at the Investor Information Services Division of the Company at: Panagouli & Siniosoglou Streets, Building E, GR 14234 N. Ionia, tel.+30 2144046400) or at the Company's offices at 8 Othons str., 105 57 Athens, and in electronic form on the website of the Company (https://www.eurobankholdings.gr/en/investor-relations/shareholders/information-about-the-general-meetings/).

The appropriate document must be filled-in, signed with the authenticity of the signature verified, and submitted to the Investor Information Services Division of the Company at: Panagouli & Siniosoglou Streets, Building E, GR 14234 N. Ionia,

or be sent digitally signed by using a recognized digital signature (qualified certificate) by the representative or the shareholder by e-mail at [email protected] at least forty-eight (48) hours before the date of the General Meeting.

In addition, shareholders are requested to confirm that the proxy document is successfully sent to and received by the Company, and, to this end, they can call the Investor Information Services Division of the Company at +30 2144046400.

F. Minority Shareholders' Rights

1. Shareholders representing 1/20 of the paid-up share capital of the Company may request:
(a) to include additional items in the Agenda of the Extraordinary General Meeting, provided that the request is communicated to the Board at least fifteen (15) days prior to the Extraordinary General Meeting, accompanied by a justification or a draft resolution to be approved by the Extraordinary General Meeting.
(b) to make available to shareholders six (6) days prior to the Extraordinary General Meeting at the latest, any draft resolutions on the items included in the initial or revised agenda, provided that the request is communicated to the Board at least seven (7) days prior to the Extraordinary General Meeting.
(c) the disclosure by the Board at the Extraordinary General Meeting of the amounts paid to each member of the Board or to the management as well as of any benefits acquired by such persons from any cause or through any contract, during the last two (2) years, provided that the request is filed with the Company at least five (5) full days prior to the Extraordinary General Meeting.
1. Any shareholder may request, provided that the said request is filed with the Company at least five (5) full days prior to the Extraordinary General Meeting, to provide the Extraordinary General Meeting with the information regarding the affairs of the Company, insofar as such information is relevant to the items on the agenda.
1. Shareholders representing 1/10 of the paid-up capital of the Company may request, provided that the said request is filed with the Company at least five (5) full days prior to the Extraordinary General Meeting, to provide the Extraordinary General Meeting with information on the course of the business affairs and financial status of the Company.

Detailed information regarding minority shareholders' rights and the specific conditions to exercise these rights, are available on the website of the Company (www.eurobankholdings.gr).

AVAILABLE DOCUMENTS AND INFORMATION

The documents to be submitted to the Extraordinary General Meeting, the present Invitation, the total number of existing shares and voting rights, the documents for voting by proxy and mail vote as well as the draft resolutions/comments of the Board of Directors on the item of the Agenda shall be made available in electronic form on the website of the Company (www.eurobankholdings.gr) and in hardcopy form either at the Company's Investor Information Services Division at: Panagouli & Siniosoglou Streets, Building E, GR 14234 N. Ionia (tel. +30 2144046400) either at the Company's offices, 8, Othonos Str., 105 57 Athens, where shareholders can obtain copies.

Athens, 22 October 2025

THE BOARD OF DIRECTORS

5. BALLOT-PAPER

OF THE EXTRAORDINARY GENERAL MEETING OF 3 DECEMBER 2025 OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A. (and in the case of postponement or interruption of the Meeting)

ITEM ON AGENDA	FOR	AGAINST	ABSTAIN
Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.	□	□	□

ΝΟΤΕ: THE INSTRUCTIONS FOR THE VOTING PROCESS THROUGH ELECTRONIC MEANS, WILL BE GIVEN DURING THE MEETING

6. MAIL VOTE DOCUMENT

Identity card number/Company's Register Num.

Name / Company Name Address / Registered Office

DSS Investor Share No

For voting remotely before the Extraordinary General Meeting of Shareholders of "Eurobank Ergasias Services and Holdings S.A." (the "Company") of 3 December 2025

I the undersigned shareholder / legal representative of shareholder / proxy holder of shareholder of the Company:

DSS Securities Account
Number of shares
(if no number of shares is filled-in, the proxy will be valid for
the total number of shares registered in the Investor Account
on the Record Date, as this is stated in the Invitation of the
GM)
Name of the legal entity's representative who signs the form
(completed by legal entities only)
Mobile Phone Number
Email
With the present document I am notifying you of
(please mark with √ your choices)

□ my vote
□ the vote of the shareholder that I represent or I am a proxy holder of

on the item of the Extraordinary General Meeting of Shareholders of the Company of Wednesday 3 December 2025 at 10.00, as follows:
ITEM ON AGENDA	FOR	AGAINST	ABSTAIN

Approval of the Merger of "Eurobank S.A." with "Eurobank	□	□	□
Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21,
30–34 and 140 of Law 4601/2019, Article 16 of Law
2515/1997, and the applicable provisions of Law 4548/2018,
the Draft Merger Agreement and the other documents relating
to the Merger. Appointment of representatives for the
execution of the notarial deed of merger and granting of
authorizations to carry out all actions necessary for the
completion of the Merger.


	Place and date:




(name/surname)		(signature)


	(signature verification)

Instructions:

1. The present document, filled-in and signed, with the signature authenticity verified, is submitted to the Company's Investor Information Services
Division at: Panagouli & Siniosoglou Streets, Building E, GR 142 34 N. Ionia or is sent digitally, signed by using a recognized digital signature (qualified certificate), by the shareholder, the	representative or the proxy	holder via e-mail at	the e-mail address
[email protected], at least twenty-four (24) hours before the date of the General Meeting (i.e. by 10.00 a.m. on 02.12.2025 at
the latest).

2. If the present mail vote is transmitted by a proxy holder, the appointment of the proxy holder must be made at least forty-eight (48) hours
before the date of the General Meeting, i.e. by 10.00 a.m. on 01.12.2025 at the latest. Following that date, it will not be possible to participate by
proxy at the vote that will take place before the General Meeting.

7. PROXY FOR PARTICIPATING REMOTELY BY TELECONFERENCE

AT THE EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A.

OF 3 DECEMBER 2025
The undersigned Shareholder/ legal representative of Shareholder of Eurobank Ergasias Services and Holdings S.A.
Name / Company Name
Address / Registered Office
Identity card number/Company's Register Num.
Mobile Phone Number
Email
DSS Investor Share No
DSS Securities Account
Number of shares (if no number of shares is filled-in, the proxy will be valid for the total number of shares registered in the Investor Account on the record date) as this is stated in the Invitation of the GM). Name of the legal entity's representative who signs the form (completed by legal entities only)
hereby authorize, empower and direct 1, 2, 3
[Please note that you can appoint, as follows, one (1) proxy holder.]
□ 1. Mr. G. Zanias	□ 2. Mr. F. Karavias
□ 3. Mr. S. Ioannou	□ 4. Mr. K. Vassiliou
□ 5. Ms. K. Kallimani
Note: The above are directors and officers of the Company. In case your proxy is any of the above and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain.
or alternatively:
6
email
Mobile Phone Number Note: In case your proxy is the abovementioned under (6) and no specific voting instructions are provided, your proxy will vote as s/he thinks fit. In case your proxy be a member of the BoD or an employee of the Company and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain. Note: Please fill in the mobile phone number and email of your hereinabove (under 6) proxy, in order to enable him/her to vote remotely by teleconference in the Extraordinary General Meeting of Shareholders of the Company. If not provided, participation in the Extraordinary General Meeting will not be possible. In case your proxy is one of 1-5 mentioned above, there is no need to fill in any email and mobile phone number.
to represent me / the Legal Entity4 at the Extraordinary General Meeting of the Shareholders of the Company to be held on Wednesday, 3 December at 10:00 a.m, remotely in real time via teleconference, or any adjournment thereof and to vote in my name and on my behalf / in the name and on behalf of the Legal Entity5, for all / voting rights owned by me / the Legal Entity6 on the Record Date, taking any and

all necessary actions as follows7:

¹ Please select one (1) proxy by marking the appropriate box 1-5 with a √ or add your proxy under 6. If more are selected, the first one will be deemed to have been appointed.

² The proxy could be either a natural person or a legal entity.

³ Relevant information on voting by proxy is included in the Invitation of the Extraordinary General Meeting. 4 Delete as appropriate.

⁵ Delete as appropriate.

⁶ Delete as appropriate.

⁷ Please mark the appropriate box with a √.

ITEM ON AGENDA	FOR	AGAINST	ABSTAIN
Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.	□	□	□

	Place and date:
(name/surname)		(signature)
	(signature verification)

Instructions:

The present document, filled-in and signed, with the signature authenticity verified, is submitted to the Company's Investor Information Services Division at: Panagouli & Siniosoglou Streets, Building E, GR 142 34 N. Ionia or is sent digitally, signed by using a recognized digital signature (qualified certificate), by the shareholder or the representative via e-mail at the e-mail address [email protected], at least forty eight (48) hours before the date of the Extraordinary General Meeting.

8. PROXY FOR PARTICIPATING IN PERSON

AT THE EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A. OF 3 DECEMBER 2025

The undersigned Shareholder/ legal representative of Shareholder of Eurobank Ergasias Services and Holdings S.A.

ITEM ON AGENDA	FOR	AGAINST	ABSTAIN
to represent me / the Legal Entity4 at the Extraordinary General Meeting of the Shareholders of the Company to be held on Wednesday, 3 December at 10:00 a.m, or any adjournment thereof and to vote in my name and on my behalf / in the name and on behalf of the Legal Entity5, for all / voting rights owned by me / the Legal Entity6 on the Record Date, taking any and all necessary actions as follows7:
6 email Mobile Phone Number Note: In case your proxy is the abovementioned under (6) and no specific voting instructions are provided, your proxy will vote as s/he thinks fit. In case your proxy be a member of the BoD or an employee of the Company and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain.
or alternatively:
Note: The above are directors and officers of the Company. In case your proxy is any of the above and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain.
□ 5. Ms. K. Kallimani
□ 1. Mr. G. Zanias □ 3. Mr. S. Ioannou	□ 2. Mr. F. Karavias □ 4. Mr. K. Vassiliou
hereby authorize, empower and direct 1, 2, 3 [Please note that you can appoint, as follows, one (1) proxy holder.]
by legal entities only)
Name of the legal entity's representative who signs the form (completed
Number of shares (if no number of shares is filled-in, the proxy will be valid for the total number of shares registered in the Investor Account on the record date) as this is stated in the Invitation of the GM).
DSS Securities Account
DSS Investor Share No
Mobile Phone Number Email
Identity card number/Company's Register Num.
Address / Registered Office

Name / Company Name

ITEM ON AGENDA FOR AGAINST ABSTAIN

¹ Please select one (1) proxy by marking the appropriate box 1-5 with a √ or add your proxy under 6. If more are selected, the first one will be deemed to have been appointed.

² The proxy could be either a natural person or a legal entity.

³ Relevant information on voting by proxy is included in the Invitation of the Extraordinary General Meeting. 4 Delete as appropriate.

⁵ Delete as appropriate.

⁶ Delete as appropriate.

⁷ Please mark the appropriate box with a √.

Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.	□	□
	Place and date:
(name/surname)		(signature)
	(signature verification)

Instructions:

9. PROXY FOR VOTING REMOTELY BEFORE THE EXTRAORDINARY GENERAL MEETING

OF THE SHAREHOLDERS OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A. OF 3 DECEMBER 2025
The undersigned Shareholder/ legal representative of Shareholder of Eurobank Ergasias Services and Holdings S.A.
Name / Company Name
Address / Registered Office
Identity card number/Company's Register Num.
Mobile Phone Number
Email
DSS Investor Share No
DSS Securities Account
Number of shares (if no number of shares is filled-in, the proxy will be valid for the total number of shares registered in the Investor Account on the record date) as this is stated in the Invitation of the GM.
Name of the legal entity's representative who signs the form (completed by legal entities only)
hereby authorize, empower and direct 1, 2, 3 [Please note that you can appoint, as follows, one (1) proxy holder.]
□ 1. Mr. G. Zanias	□ 2. Mr. F. Karavias
□ 3. Mr. S. Ioannou	□ 4. Mr. K. Vassiliou
□ 5. Ms. K. Kallimani
Note: The above are directors and officers of the Company. In case your proxy is any of the above and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain.
or alternatively:
6 email Mobile Phone Number Note: In case your proxy is the abovementioned under (6) and no specific voting instructions are provided, your proxy will vote as s/he thinks fit. In case your proxy be a member of the BoD or an employee of the Company and no specific written voting instructions are given (i.e. by marking the appropriate box «For»/ «Against»), the proxy will have to abstain. Note: Please fill in the mobile phone number and email of your hereinabove (under 6) proxy, in order to enable him/her to vote in the Extraordinary General Meeting of Shareholders of the Company at least twenty-four (24) hours before the date of the General Meeting (i.e. by 10.00 a.m. on 02.12.2025 at the latest). If not provided, participation in the voting on the Items of the Agenda of the Extraordinary General Meeting will not be possible. In case your proxy is one of 1-6 mentioned above, there is no need to fill in any mobile phone number and email.
to represent me / the Legal Entity4 at the Extraordinary General Meeting of the Shareholders of the Company to be held on Wednesday, 3 December 2025 at 10:00 a.m, via teleconference, or any adjournment thereof, and to vote in my name and on my behalf / in the name and on

behalf of the Legal Entity5, at least twenty-four (24) hours before the date of the ExtraordinaryGeneral Meeting (i.e. by 10.00 a.m. on 02.12.2025 at the latest), for all / …………………….. voting rights owned by me / the Legal Entity6 on the Record Date, taking any and all necessary actions as follows7:

¹ Please select one (1) proxy by marking the appropriate box 1-5 with a √ or add your proxy under 6. If more are selected, the first one will be deemed to have been appointed.

² The proxy could be either a natural person or a legal entity.

³ Relevant information on voting by proxy is included in the Invitation of the Extraordinary General Meeting. 4 Delete as appropriate.

⁵ Delete as appropriate.

⁶ Delete as appropriate.

⁷ Please mark the appropriate box with a √.

ITEM ON AGENDA	FOR	AGAINST	ABSTAIN
Approval of the Merger of "Eurobank S.A." with "Eurobank Ergasias Services and Holdings S.A." by absorption of latter by the former in accordance with the provisions of Articles 6–21, 30–34 and 140 of Law 4601/2019, Article 16 of Law 2515/1997, and the applicable provisions of Law 4548/2018, the Draft Merger Agreement and the other documents relating to the Merger. Appointment of representatives for the execution of the notarial deed of merger and granting of authorizations to carry out all actions necessary for the completion of the Merger.	□	□	□

	Place and date:
(name/surname)		(signature)
	(signature verification)

Instructions:

10. TOTAL NUMBER OF SHARES AND VOTING RIGHTS

As at 22 October 2025, the total number of Eurobank Ergasias Services and Holdings S.A. shares amounts to 3,685,739,195 listed, electronic, ordinary registered shares, of which fifty-four million, two hundred and twenty-eight thousand, three hundred and ninety-four (54,228,394) voting rights are incorporated in Company's own shares.

Given that, according to article 50 par. 1 of Law 4548/2018, the rights of attendance and voting at the General Meeting corresponding to the Company's own shares are suspended and that these shares are not taken into account for the formation of a quorum, the Company's total number of shares and voting rights on October 22, 2025 amounts to three billion, six hundred and thirty-one million, five hundred and ten thousand, eight hundred one (3,631,510,801).

11. MINORITY SHAREHOLDERS' RIGHTS

(a) At the request of shareholders, representing 1/20 of the paid-up capital, the Board of Directors is obliged to includ additional items on the agenda of the General Assembly that has already been convened, if the relevant application submitted to the Board of Directors at least 15 days before the General Assembly. Additional matters must be publishe or disclosed under the responsibility of the Board of Directors in accordance with Article 122 of Law 4548/2018 at leas 7 days before the General Assembly. The request for inclusion of additional items on the agenda is accompanied by justification or a draft decision for approval by the General Assembly and the revised agenda is published in the sam manner as the previous agenda, 13 days before the date of the General Assembly and at the same time it is mad available to the shareholders on the company's website together with the justification or the draft resolution submitte by the shareholders according to the provisions of paragraph 4 of article 123 of law 4548/2018. If these items are no published, the requesting shareholders are entitled to request the postponement of the General Assembly in accordanc with paragraph 5 of article 141 of Law 4548/2018 and to make the publication themselves, in accordance with th second subparagraph of this paragraph at the expense of the company. The Board of Directors is not obliged to includ items on the agenda or to publish or disclose them together with the justification or the draft resolution submitted b the shareholders if their content appears to be contrary to law or morality.
(b) Shareholders representing 1/20 of the paid-up capital have the right to submit draft decisions on items included in the initial or revised general agenda of the General Assembly. The relevant application must be submitted to the Board of Directors at least 7 days before the date of the General Assembly, while the draft decisions are made available to the shareholders according to the provisions of paragraph 3 of Article 123 of Law 4548/2018 at least 6 days before the date of the General Assembly. The Board of Directors is not required to publish or notify draft decisions submitted by shareholders if their content appears to be contrary to law or morality.
(c) At the request of any shareholder, that is filed with the company at least 5 full days before the General Assembly, the Board of Directors is obliged to provide to the General Assembly the specific information requested for the company's affairs insofar as they are relevant to the items on the agenda. The obligation to provide information does not exist when the relevant information is already available on the company's website, in particular in the form of questions and answers. Idem, the Board of Directors may refuse to provide the information for substantive reasons, as recorded in the minutes. Such a reason may be, in the circumstances, the representation of the requesting shareholders in the BoD, in accordance with Articles 79 or 80 of Law 4548/2018. In the cases of this paragraph the Board of Directors can respond once to shareholders' requests with the same content. Any doubts as to whether or not the reasoning for refusal by the Board of Directors to provide information is valid are settled by the court by a decision given in the interim proceedings. By the same decision the court also obliges the company to provide the information that it refused. The decision is not challenged by legal remedies.
(d) At the request of a shareholder or shareholders representing 1/20 of the paid-up capital, the chairman of the meeting shall postpone the decision-making of the General Assembly on all or certain matters, defining the resumption day of the meeting, as specified in the shareholders' request, which may not be more than 20 days from the date of postponement. The meeting of the General Assembly that follows a postponed one is a continuation of the previous one and does not require the resumption of the publication formalities of the invitation of the shareholders. New shareholders may participate in this meeting, subject to the relevant participation formalities in accordance with the provisions of paragraph 6 of Article 124 of Law 4548/2018 apply.
(e) At the request of shareholders, representing 1/20 of the paid up capital, that is filed with company at least 5 full days before the General Assembly, the Board of Directors is obliged to notify to the General Assembly, if it is Extraordinary, the amounts that have been paid to each member of the Board during the last two years or the managers of the company, as well as any benefit to such persons from any cause or contract of the company with them.

(f) At the request of shareholders, representing 1/10 of the paid up capital, that is filed with the company at least 5 full days before the General Assembly, the BoD is obliged to provide to the General Assembly information on the course of corporate affairs and the assets of the company. The Board of Directors may refuse to provide the information for substantive reasons, as recorded in the minutes. Such a reason may be, in the circumstances, the representation of the requesting shareholders in the BoD, in accordance with Articles 79 or 80 of Law 4548/2018. In the cases of this paragraph the Board of Directors can respond once to shareholders with the same content. Any doubts as to whether or not the reasoning for refusal by the Board of Directors is valid, provision of information is settled by the court by a decision given in the interim proceedings. By the same decision the court also obliges the company to provide the information that it refused. The decision is not challenged by legal remedies.

In the above mentioned cases, the requesting shareholders must prove their shareholding status and the number of shares they hold in the exercise of the relevant right. Proof of shareholding may be provided by any legal instrument and, in all cases, on the basis of information received by the company from the central securities depository.

12. TERMS AND CONDITIONS FOR THE PARTICIPATION IN THE REMOTE GENERAL MEETING OF THE SHAREHOLDERS OF "EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A."

The Extraordinary General Meeting of Shareholders of the company "Eurobank Ergasias Services and Holdings S.A." (the Company) will convene on Wednesday, 3 December 2025, at 10.00 a.m., in a hybrid manner, namely, with the physical presence of Shareholders in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building H, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, in real time, via teleconference, or in a potential Repeat Meeting on Thursday, 11 December 2025, at 10.00 a.m., also ιn a hybrid manner, namely, with the physical presence of Shareholders in the Conference Hall of Nea Ionia, at 8 Iolkou Street, Building H, Nea Ionia, GR 14234, and with the participation of Shareholders remotely, in real time, via teleconference, without the publication of a further invitation.

Participation by Shareholders at the General Meeting remotely, in real time, via teleconference is subject to the present terms and conditions for the remote General Meeting (the "Terms for the remote General Meeting").

Capitalized terms used have the meaning as defined in the Appendix to the present.

1. Introductory remarks

1.1. In order for Shareholders to participate and vote at the General Meeting or at any Repetitive Meeting, it is necessary that they, or their proxies, create and use an electronic account in the Internet Platform that has been developed by the Hellenic Exchanges-Athens Stock Exchange Group to provide remote General Meeting services, in real-time, by teleconference to listed companies on the website https://axia.athexgroup.gr/en/home.
1.2. The Internet Platform is provided by "Hellenic Central Securities Depository S.A.", while for the teleconference are used the ZOOM Meeting services provided by Zoom Video Communications Inc..
1.3. In order to access the Internet Platform a personal computer, a smartphone type mobile telephone or a tablet is required, with a browser application installed, and internet access.
1.4. In order for a Shareholder or his/her proxy to create an account in the Internet Platform, a valid electronic mail (email) account and a mobile telephone number are required by the shareholder or his/her proxy.
1.5. If, on accessing the Internet Platform the above information entered by the Shareholder does not match the data registered in the Dematerialized Securities System and provided to the Company by the Hellenic Central Securities Depository or through intermediaries as part of its services to facilitate shareholder identification for remote general meetings which are provided to listed companies in accordance with Part 3 of Decision No 8 of the Hellenic Central Securities Depository, "Technical terms and procedures for the provision of the Registry, Corporate and Other Related Actions Service", shareholders must provide or/and update the information above through their Participants in the DSS of their Securities Account, in order to create the account.
1.6. Shareholders that have successfully connected to the Internet Platform will be able to participate at the General Meeting by teleconference in real time via link that will be sent to them by email.

By activating the teleconference application (ZOOM) via the link at the start of the General Meeting, Shareholders will be able to:

a) follow the proceedings of the General Meeting with electronic or audiovisual means,
b) take the floor and address the General Meeting orally during the General Meeting,

while at the same time, through the Internet Platform they will be able to:

c) vote in real time during the General Meeting on the items of the daily agenda,
d) receive information on the recording of their vote
1.7. The deadlines, during which the rights of Shareholders can be exercised are included in detail in the Invitation to the General Meeting and in the present Terms for the remote General Meeting.
1.8. Besides these Terms for the remote General Meeting, the Terms of Use by Third Party Suppliers also apply.
1.9. The Company reserves the rights at any time to modify, suspend, cancel or limit the mechanisms for the electronic General Meeting and vote when necessary or appropriate for technical or security reasons.

2. Technical infrastructure

2.1. The Company ensures, insofar as possible, that the technical infrastructure to conduct the remote General Meeting is accurate, secure and accessible to Shareholders with compatible devices. The Company will cooperate and make use of the services of reliable Third-Party Suppliers to provide the technical infrastructure required to conduct the General Meeting.
2.2. Shareholders should know that certain residual risks associated with the technical infrastructure used for the remote General Meetings will always exist. The Company, through Third Party Suppliers, takes all measures, technical and organization, and makes every possible effort to ensure as much as possible the continuous and uninterrupted of the Internet Platform and the teleconference application, so that the services provided through it are available continuously and uninterruptedly with an acceptable response time without interruption to Shareholders with compatible devices. However, due to the nature of the Internet and web applications, the Company and the Third Party Suppliers cannot guarantee the absolute completeness, correctness or continuity of their operation and they may not be available to part or all of the Internet, or may respond with interruptions, or, finally, respond in times longer than usual. In cases such as the above, the Company and the Third Party Suppliers will make every possible effort to restore its operation, however beyond that, the Company and the Third Party Suppliers cannot be held responsible or become legally accountable for their availability or response time.
2.3. It is recommended that Shareholders take all measures to protect the integrity and security of their information systems, hardware and software, in order to adequately protect the access data and the usage data of the Internet Platform that are stored on the local storage systems of the devices of Shareholders, portable and non-portable. Any failure in Shareholders' systems or connection or usage data leak due to an intrusion by malicious software in the operating systems of Shareholders, does not relieve the latter from their obligations under the present terms, does not constitute force majeure or exceptional condition, nor does it imply any liability of the Company for any damages suffered by Shareholders. Furthermore, Shareholders are solely responsible for their personal equipment and the required technical means which will allow access to the Internet Platform.
2.4 Shareholders must, prior to the start of the General Meeting, check their connection and ensure that they have access to the Internet Platform and have correctly installed and configured the teleconference application (ZOOM). The Company, through Third Party Suppliers, has ensured the timely implementation of the technical infrastructure for the Internet Platform in order to allow Shareholders to control their access and to verify that they can participate substantively in the General Meeting.

Furthermore, from the publication of the Invitation and until the end of the General Meeting, there will be provided support at (+30) 210 3366426 or by e-mail to [email protected].

2.5. Shareholders can notify any failure in the technical infrastructure through the help desk referred to in clause 2.4. Any failure or deficiency in the equipment of Shareholders, software, network infrastructure, servers, connection to the Internet or telephone, video or voice equipment, power outage, any kind of mechanical failure during the General Meeting or similar events, including data security instances (which includes any unauthorized use, piracy, denial-ofservice attack, access denial, potential failure, or intrusion that arouses from the theft or illegal interception of a password or a network password or any other attack), which may prevent the remote participation of Shareholders at the General Meeting, will, in any case, be in the sole responsibility of those Shareholders.

Inability by one or more Shareholders to follow the proceedings and participate at the General Meeting or to vote electronically during (any part) of the General Meeting, does not affect the validity of the General Meeting, or any work carried out therein.

2.6. In the event that during the General Meeting the Chairman of the General Meeting becomes aware of any failure in the technological infrastructure that may have occurred during the General Meeting and which materially impacts the proceedings of the General Meeting, the Chairman of the General Meeting informs Shareholders that are participating at the General Meeting.

The Chairman of the General Meeting may decide, at her absolute discretion, taking into consideration the possible impact in the decision making process at the General Meeting, whether the General Meeting should be postponed or adjourned due to this failure, or to proceed with the proceedings even though some Shareholders may not have the ability to participate and/ or vote and/or follow the General Meeting.

In the event that, at the discretion of the Chairman, the Internet Platform or the teleconference application no longer allows all (or some) Shareholders to follow the proceedings of the General Meeting, to vote electronically during (any part) of the General Meeting and to submit questions, then the Chairman may, at her absolute discretion, continue, adjourn, postpone the General Meeting, change the order of discussion and / or decision on the items of the General Meeting or to proceed with the General Meeting without the ability for some or all of the Shareholders that participate remotely at the General Meeting through the Internet Platform and the teleconference application to follow the proceedings of the Meeting and/ or to vote electronically during (any part) of the General Meeting. The Chairman of the Meeting notifies this decision, to the extent possible, to Shareholders present at the General Meeting.

2.7. If the Chairman of the General Meeting decides to suspend or postpone the General Meeting, as mentioned in clause 2.6, then the whole process that has taken place up to the point of suspension or postponement and any decisions taken on the items of the daily agenda will be valid.

3. Right to participate and vote at the General Meeting

3.1. The General Meeting is considered to have begun its proceedings with the announcement of the start of the General Meeting by the Chairman of the Meeting to Shareholders.
3.2. Each Shareholder may participate, follow substantively the proceedings of the General Meeting and vote in realtime electronically, provided that he has taken the necessary steps mentioned in the Invitation to the General Meeting to create and use an electronic account in the Internet Platform and clauses 1.1 to 1.6 of the present and in accordance with the instructions provided in the Invitation.
3.3. In order to participate in the General Meeting, Shareholders must connect through the Internet Platform, before the start of the General Meeting and to declare that they intend to participate in the General Meeting. Following the declaration of the intention to participate, Shareholders will receive a personalized information message by electronic mail with the link that must be followed to connect to the teleconference of the General Meeting.
3.4 On the date of the General Meeting, in order to participate in the proceedings Shareholders must connect in a timely fashion through the Internet Platform, at least fifteen minutes (15') before the start time of the General Meeting that has been announced in the Invitation, and to declare the number of voting rights with which they will participate and vote at the General Meeting, and, whether they wish to modify them (to a lower number).
3.5. Shareholders that do not connect to the Internet Platform on time before the start of the General Meeting in accordance with clause 3.4 above and up until the announcement of the start of the proceedings by the Chairman of the General Meeting, will not be counted among the Shareholders present at the General Meeting, they will not be able to exercise the right to vote or to take the floor and submit questions to the General Meeting, and will only be able to follow the live feed of the General Meeting by teleconference.
3.6. Shareholders who have not appointed a proxy or representative by the deadline (i.e. at least 48 hours before the date of the General Meeting), but who, however, have connected on time through the Internet Platform before the start of the General Meeting will, in accordance with clause 3.4, participate at the General Meeting, unless the General Meeting refuses for good reason and justifies its refusal. In that case, they will not be counted among the Shareholders that are present at the General Meeting and will only be able to follow the live feed of the General Meeting by teleconference.
3.7. Shareholders who have complied with the formalities above and have connected on time through the Internet Platform before the start of the General Meeting:
(i) are considered to be present in person at the General Meeting;
(ii) are included in the calculation of the quorum of shareholders present or represented at the General Meeting and the calculation of the percentage of the issued share capital of the Company present or represented at the General Meeting based on the number of voting rights they stated they would exercise in accordance with clause 3.3 above;
(iii) will be able to follow with electronic or audiovisual means the proceedings of the General Meeting;
(iv) will have the right to vote in real-time during the General Meeting on the items of the daily agenda at the point in time announced by the Chairperson;
(v) will be able to take the floor and address the General Meeting orally during the General Meeting;
(vi) will receive information on the registration of their vote.
3.8. The names of Shareholders that have been registered as participants in the General Meeting through the Internet Platform will be included in the list of Shareholders that are present at the General Meeting in person or by proxy (if there is one).
3.9. Any early disconnection by Shareholders before the end of the General Meeting does not affect the calculation of the quorum of Shareholders present or represented at the General Meeting for the time they are connected. Shareholders can connect again to the Internet Platform and continue to follow the remainder of the General Meeting and exercise all of their rights to participate and vote electronically.

In all other cases, Shareholders will only be able to follow the live stream of the General Meeting through teleconference.

3.10. Shareholders will be able to vote electronically from the time when the Chairman of the General Meeting announces the start of voting on the items of the daily agenda, following the completion of the proposals and discussion on the items of the daily agenda, and up until the point when the Chairperson of the General Meeting announces the end of voting.

The Chairman of the General Meeting may, at her absolute discretion, decide that voting can take place from the start of the General Meeting up until the time when she announces the end of voting.

3.11 For Shareholders that participate in the voting on the items of the General Meeting that takes place before the General Meeting (mail vote), voting on the items of the daily agenda will be possible exclusively and only for the time period indicated in the Invitation to the General Meeting.

Following that time point, it will not be possible for Shareholders to participate in the voting on the items of the daily agenda that takes place before the General Meeting by mail vote.

On entering the Internet Platform, Shareholders will declare the number of voting rights with which they wish to participate at the General Meeting and vote, and, if they wish, they can amend that number (to a lower one).

Shareholders that vote on time as above can follow the live feed of the General Meeting by teleconference.

3.12. Shareholders that voted on time as above before the General Meeting by mail vote will be able to withdraw it, as follows:
a) If they voted before the General Meeting through the Internet Platform, they will be able to withdraw their vote through the Internet Platform, up until the start of the General Meeting.
b) If they voted before the General Meeting by sending to the Company the "Mail Vote Form", they will be able to withdraw their vote in the same manner in which they submitted it, 48 hours before the date of the General Meteting at the latest.

Shareholders above may, if they wish, participate in person at the General Meeting under clauses 1.1 to 1.5 and 3.1 to 3.9 of the present.

4. Vote confirmation and voting results

4.1. Submission of the vote by the Shareholder through the Internet Platform is final and cannot be withdrawn, subject to the conditions in par. a) and b) of clause 3.12.
4.2. Each Shareholder who voted at the General Meeting (including by mail vote) will receive from "Hellenic Central Securities Depository S.A." confirmation of registration of her vote on the items of the daily agenda through the Internet Platform after the end of the General Meeting.
4.3. If during voting the voting rights which were declared for participation at the General Meeting, are not fully exercised by the Shareholder, then, following the end of the General Meeting, he will receive, in accordance with clause 4.2, confirmation by the "Hellenic Central Securities Depository S.A." that the remaining rights were noted as "ABSTAIN".
4.4. After the end of voting on the items of the daily agenda and the vote count, the Chairperson informs Shareholders about the results of the vote.

The results of the vote on the items of the General Meeting will be published on the website of the Company, in accordance with the law.

5. Communication

For any questions concerning these Terms for the remote General Meeting, you may contact the Investor Information Services Division of the Company by email at [email protected] or by telephone at +30 2144046400 (daily between 09.30 – 17.00).

For any information regarding support to Shareholders and their representatives, you may contact by email at [email protected] or by telephone at +30 210 3366426.

Appendix - Definitions

Company refers to the company «Eurobank Ergasias Services and Holdings S.A.».

General Meeting refers to the General Meeting of Shareholders of «Eurobank Ergasias Services and Holdings S.A.» dated 3 December 2025, which will take place with the physical presence of Shareholders at the venue, and with the participation of Shareholders remotely, in real time, via teleconference, under the conditions of articles 124, 125 and 126 of Law 4548/2018.

Internet Platform refers to the internet platformhttps://axia.athexgroup.gr/en/home that has been developed by the Hellenic Exchanges – Athens Stock Exchange Group and is available by the "Hellenic Central Securities Depository" for the provision of General Meeting services to issuing companies that take place remotely, in real-time by teleconference.

Teleconference application / teleconference refers to the ZOOM Meeting services that are provided by Zoom Video Communications Inc., through which teleconference is provided.

Mail vote refers to the participation remote participation of Shareholders in the vote on the items of the General Meeting that will take place before the General Meeting.

Shareholder of the Company is the one that is registered on the start of the fifth (5th) day before the date of the General Meeting ("Record date"), i.e. on November, 28th 2025, in the Dematerialized Securities System (DSS) of the company "HELLENIC CENTRAL SECURITIES DEPOSITORY (ATHEXCSD)" or the one identified as such based on the relevant date through registered intermediaries or other intermediaries in compliance with the provisions of the legislation (Law 4548/2018, Law 4569/2019, Law 4706/2020 and Regulation (EU) 2018/1212) as well as the Rulebook of Operation of the Hellenic Central Securities Depository.

Proof of shareholding status may be evidenced by any legal means and in any case based on information received by the Company electronically by ATHEXCSD, if the latter provides registration services, the participating and registered intermediaries in the central securities depository in any other case. A shareholder may participate in the General Meeting, based on the confirmations or notices of Articles 5 and 6 of Regulation (EU) 2018/1212, provided by the intermediary, unless the General Meeting refuses such participation for a material cause, which justifies its refusal, in compliance with the relevant statutory provisions (Article 19 (1), Law 4569/2018 and Article 124, Law 4548/2018).

Terms for the remote General Meeting refers to the present terms and conditions.

Chairman of the General Meeting refers to the Chairman of the General Meeting that will take place with physical presence of shareholders at the venue and remotely in real-time by teleconference and the use of electronic means.

Third Party Suppliers refers to the companies "Hellenic Central Securities Depository S.A.", headquartered in Athens, and "Zoom Video Communications Inc.", headquartered in San Jose California.

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Eurobank Ergasias Services and Holdings S.A.

2644_rns_2025-10-23_cb76437e-57b8-41b8-9cc1-b6a40818e6e8.pdf

EXTRAORDINARY GENERAL MEETING Wednesday, 3 December 2025, 10:00 a.m.

TABLE OF CONTENTS

1. AGENDA ITEMS

2. SUMMARY OF ITEMS ON THE AGENDA

1. On 18 December 2024:

Draft proposed resolution on aforementioned item of the agenda:

3. DOCUMENTS SUBMITTED TO THE GENERAL MEETING

4. INVITATION

Eurobank Ergasias Services and Holdings S.A.

Extraordinary General Meeting of the Shareholders

3 December 2025

10:00 a.m.

INVITATION

Α. Right To Participate and Vote in the General Meeting

Β. Procedure for Participating and Voting remotely in real time by teleconference

C. Procedure for remotely participating in the vote that takes place before the General Meeting (Mail Vote)

D. Procedure for participating in the vote with physical presence

E. Procedure for Participating and Exercising Voting Rights by Proxy

F. Minority Shareholders' Rights

AVAILABLE DOCUMENTS AND INFORMATION

5. BALLOT-PAPER

OF THE EXTRAORDINARY GENERAL MEETING OF 3 DECEMBER 2025 OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A. (and in the case of postponement or interruption of the Meeting)

6. MAIL VOTE DOCUMENT

7. PROXY FOR PARTICIPATING REMOTELY BY TELECONFERENCE

AT THE EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A.

Instructions:

8. PROXY FOR PARTICIPATING IN PERSON

AT THE EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A. OF 3 DECEMBER 2025

Instructions:

9. PROXY FOR VOTING REMOTELY BEFORE THE EXTRAORDINARY GENERAL MEETING

Instructions:

10. TOTAL NUMBER OF SHARES AND VOTING RIGHTS

11. MINORITY SHAREHOLDERS' RIGHTS

12. TERMS AND CONDITIONS FOR THE PARTICIPATION IN THE REMOTE GENERAL MEETING OF THE SHAREHOLDERS OF "EUROBANK ERGASIAS SERVICES AND HOLDINGS S.A."

1. Introductory remarks

2. Technical infrastructure

3. Right to participate and vote at the General Meeting

4. Vote confirmation and voting results

5. Communication

Appendix - Definitions

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