SCHEDULE OF CHARGES - Emirates NBD

1 CHARGES (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectMinimum Monthly Average Relationship BalanceAED 50,000 AED 200,000 AED 500,000 Fee for Non-Maintenance of Balance AED 250 per monthAED 300 per monthAED 500 per monthAccount Opening FeeNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableAccount Maintenance FeeNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableTeller Fees for cash withdrawal (through cash cheques or withdrawal slips)*Free 2 transactions per month; thereafter AED 20 per transactionFree 8 transactions per month; thereafter AED 10 per transactionFree 20 transactions per month; thereafter AED 10 per transactionTeller Fees (Cash deposit, internal Funds Transfer, Cheque Deposit)*Free 3 transactions per month; thereafter AED 20 per transactionFree 32 transactions per month; thereafter AED 10 per transactionFree 60 transactions per month; thereafter AED 10 per transactionTeller Cash Deposits less than AED 25,000*AED 10 Per transactionFree 2 free transactions per month; thereafter AED 10 per transactionFree 4 transactions per month; thereafter AED 10 per PurchaseAED 20 AED 20 AED 20 Bulk cash deposit at teller counter and Cash Deposit for AED Million to AED 1 Million.

2 For AED 1 Million and above aggregated across all branches and Cash Deposit Centres on a daily basis** for AED 1 Million and above aggregated across all branches and Cash Deposit Centres on a daily for AED 1 Million and above aggregated across all branches and Cash Deposit Centres on a daily basisBulk cash withdrawal at teller counter for AED Million to AED 1 Million. for AED 1 Million and above aggregated across all branches on a daily basis** for AED 1 Million and above aggregated across all branches on a daily for AED 1 Million and above aggregated across all branches on a daily basisIssue of IPO/Rights issues by orderAED 100 AED 100 AED 100 Forex RatesPreferential rates for Business Banking customersCheque book chargeFirst Cheque book free.

3 Thereafter AED 25No CHARGES ApplicableNo CHARGES ApplicableCheque returned chargesAED 200 AED 200 AED 200 Inward clearing feesNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableCustomer Package Changes(Upgrade/downgrade)Applied only fordowngrade - AED 100/-if package changedwithin 6 monthsN/AN/ADemand Draft (For Account Holders)AED 25 AED 15 AED 15 CHARGES (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectTelegraphic Transfer**Discount of AED 10 if transfer done on smartBUSINESSL ocal Currency (within UAE) - BranchAED 45 AED 40 AED 35 Local Currency (within UAE) - smartBUSINESSNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES OF CHARGES - Business BankingSCHEDULE OF CHARGESBUSINESS BANKING*Free Teller transaction limits effective 1st September 2015.

4 **Example: If a customer deposits AED 500,000 in branch A and AED 600,000 in branch B on the same day, his total deposits for that day will be AED and a bulk cash deposit fee of will be applied on AED (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectForeign Currency to home country and GCC Countries - BranchAED 60 AED 60 AED 50 Foreign Currency to other countries - BranchAED 85 AED 75 AED 65 Direct transfer to Bank of BeirutAED 20 AED 20 AED 20 Direct transfer to ICICI Bank & HDFC Bank, India through BranchAED 5 AED 5 AED 5 CertificatesCertificate of BalanceAED 40 per certificateAED 35 per certificateAED 25 per certificateStatement CHARGES .

5 Request for copy of statement Call Centre IVR, smartBUSINESSNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableRequest for copy of statement - BranchAED 5 per page with minimum of AED 50 AED 5 per page with minimum of AED 25 AED 5 per page with minimum of AED 10 Request for copy of statement Call Centre Agent **AED 30 per statementAED 15 per statementAED 5 per statementRequest for non-standard statement frequencyAED 100 100 100 ** Effective 1st September 2015. CHARGES (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectRequest for copy of old cheques:Less than 6 months oldAED 20 per copyAED 20 per copyAED 15 per copyOver 6 months oldAED 40 per copyAED 40 per copyAED 35 per copyLiability LetterAED 200 AED 150 AED 100No Liability LetterAED 200 AED 150 AED 100 Clearance Letter (for Car Loan - FirstCertificate - Free, other copiesAED 50 per copy)AED 50 AED 50 AED 50 Standing InstructionsSet up chargesAED 40 AED 35 AED 25 Periodic Payments (per transaction)

6 No CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableAmendment chargesAED 20 AED 15 AED 10 Failed Standing InstructionAED 40 AED 35 AED 25 Balance orderAED 180 160 140 RemittancesIf deposited in beneficiarys accountNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableServicesCancellation of Demand DraftAED 25No CHARGES ApplicableNo CHARGES ApplicableAdditional telex ( tracer) sent at request of customer - UAEAED 40 AED 40 AED 40 Additional telex ( tracer) sent at request of customer - OthersAED 70 AED 50 AED 45 SCHEDULE OF CHARGES - Business BankingCharges (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectCancellation of remittance instruction/recalling of funds remittedAED 80 AED 80 AED 70 Status Investigation ChargesUSD 50 USD 50 USD 50 Swift message copyAED 20 AED 15 AED 10 Special Clearing - OutwardAED 90 AED 80 AED 70 Special Clearing - Inward (Proceeds by Manager s Cheque)AED 90 AED 50 AED 45 Special Clearing - Inward (Proceedsthrough UAE Central Bank)AED 90 AED 50 AED 45 Stop payment charge (per instruction).

7 For Cheque/Demand Draft/Manager sCheque (up to 3 leaves/unit)AED 40 AED 40 AED 30 For Cheque/Demand Draft/Manager sCheque (Greater than 3 leaves/units)AED 40 AED 40 AED 30 Account Closure (within 6 months)AED 250 AED 100 AED 100 Dormant Account ChargesAED 100 per yearAED 85 per yearAED 75 per yearForeign CurrencyForeign Currency cash deposit1% Currency cash withdrawal1% (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectOther ChargesTrade Licence Renewal (grace period of 2 months allowed from date of expiration)AED 250 per monthAED 250 per monthAED 250 per monthAudit confirmationAED 150 AED 150 AED 125 TCI reportAED 150 AED 150 AED 125 Other reportsAED 150 AED 150 AED 125 Credit/confidential reports:a.

8 Issued to organizations within UAER eciprocal basisReciprocal basisReciprocal basisb. Issued to organizations outside UAECost plus AED 15 Cost plus AED 15 Cost plus AED 15 Post dated chequesExtension of due dateAED 20 AED 20 AED 15 Substitution of cheque with cashAED 20 AED 20 AED 15 Postdated cheques deposited for collectionAED 20 AED 20 AED 15 Letters of Encashment1/8 percent per month1/8 percent per month1/8 percent per monthCheque CertificationN/AN/AN/AOutward Clean CollectionsStandard collections:CommissionNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableOCC Return ChargesCheque return CHARGES :AED 50 Cheque return CHARGES :AED 50 Cheque return CHARGES :AED 45 Cash letter items (non USD)1/10% (minimum AED 20,maximum AED 500or equivalent)1/10% (minimum AED 20,maximum AED 500or equivalent)1/10% (minimum AED 20,maximum AED 500or equivalent)AED 10 for postAED 10 for postAED 10 for postCheque collection (USD)* USD 125 USD 125 USD 125 *Effective 26th March 2016, this service is offered only to approved customers.

9 Additional issuing bank CHARGES may be collected from proceeds of the OF CHARGES - Business BankingCharges (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectInward Clean CollectionCommission1/8 percent (minimumAED 40, maximum AED 500 or equivalent)1/8 percent (minimumAED 40, maximum AED 500 or equivalent)1/8 percent (minimumAED 40, maximum AED 500 or equivalent)Proceeds by DD/MCAED 10No CHARGES ApplicableNo CHARGES ApplicableProceeds by TTAED 60 per messageNo CHARGES ApplicableNo CHARGES ApplicableCheque PurchaseCommission1/8% (minimum AED 40,maximum AED 500 orequivalent FCY)1/8% (minimum AED 40,maximum AED 500 orequivalent FCY)1/8% (minimum AED 40,maximum AED 500 orequivalent FCY)InterestAt agreed rate for thecollection periodAt agreed rate for thecollection periodAt agreed rate for thecollection periodPostage/CourierAs per OCCAs per OCCAs per OCCO ther ServicesHold mailNo CHARGES ApplicableNo CHARGES ApplicableNo CHARGES ApplicableHolding undelivered mailAED 100 100 100 (Exclusive of VAT)Business BankingBusiness Banking PlusBusiness Banking SelectPostage (to be recovered in all cases where mailing is required as part of a transaction):UAEAED 15 minimumAED 15 minimumAED 15 minimumOtherAED 30 minimumAED 30 minimumAED 30 minimumFaxes.

10 UAEAED 10 per pageAED 10 per pageAED 10 per pageOtherAED 15 per pageAED 15 per pageAED 15 per pageCourier:UAEAED 40 minimumAED 40 minimumAED 40 minimumOtherAED 125 minimumAED 125 minimumAED 125 minimumTelex/Cable/SWIFT messages (Based on the length of the message):UAEAED 45 minimumAED 30 AED 30 OtherAED 60 minimumAED 45 AED 45 Safe Custody ChargesAED 200 per article perannumAED 200 per article perannumAED 200 per article perannumInvestigationsWithin 1 year AED 50 Within 1 year AED 50 Within 1 year AED 50 After 1 year minimumAED 100 After 1 year minimumAED 100 After 1 year minimumAED 100 CertificatesCapital Guarantee CertificateAED 1000 AED 650 AED 500 Attestation of SignatureAED 50 AED 50 AED 50 Certificate for issuance of Trade Licence favouring.