Schedule of Charges

Personal Banking Charges

Minimum monthly average relationship balance (applicable for savings variant) Minimum monthly salary transfer (applicable for salary variant) Fee for non-maintenance of balance (applicable for savings variant) Non-receipt of salary Account opening fee Value Account (monthly fee variant) Teller fees (cash deposit, cash withdrawals, internal fund transfer, cheque deposit) Cheque book charge (for 25 leaves cheque book) Cheque returned charges Statement charges Request for the copy of statement Request for non-standard statement frequency AED 5 for 25 transactions, max of AED 20 per request AED 25 pa AED 5 for 25 transactions, max of AED 20 per request AED 25 pa AED 5 for 25 transactions, max of AED 20 per request AED 25 pa

Personal Banking Select

AED 50000* AED 8000 AED 25 per month Free Free Free

Personal Banking Select Charges

Change in mode of payment (PDC to Direct Debit) Change in mode of payment (Direct Debit to PDC) Change in PDCs Deferment Temporary Release of Mortgage Change of registration Partial Payment (only valid for 3 and above instalments) Rescheduling Fee Free Free Free AED 100 Free Free 1% of payment made AED 250 Free Free

Classic
AED 3000 < AED 2500 AED 25 per month Free Free Free

Plus/Youth/Ladies
AED 3000* AED 2500 AED 25 per month Free Free Free

Charges
Certification & letters Account balance letter Liability letter No liability letter Attestation of signature Bulk cash deposit & withdrawal at teller counter Issue of IPO/rights issues by order Safe deposit lockers Rentals per annum Small Medium Large Extra-large Over-size Key deposit Replacement of lock/key Other services Hold mail Investigations Free Free AED 20

Classic

Plus/Youth/Ladies

Classic

Plus/Youth/Ladies

Select

AED 50 per cert. AED 100 AED 100 Free Free Free

AED 50 per cert. AED 100 AED 100 Free Free Free

AED 40 per cert. AED 100 AED 100 Free Free Free

6 transactions per 8 transactions per 10 transactions per month free; thereafter month free; thereafter month free; thereafter AED 10 per transaction AED 10 per transaction AED 10 per transaction N/A First cheque book (25 leaves) free; thereafter AED 25 AED 100 First cheque book (25 leaves) free; thereafter AED 20 AED 100

AED 200 AED 400 AED 800 AED 1200 AED 1500 AED 3000 Actual

AED 200 AED 400 AED 800 AED 1200 AED 1500 AED 3000 Actual

AED 150 AED 300 AED 650 AED 1000 AED 1250 AED 2500 Actual

Change of due date on standing instructions NOC to Traffic Department Home loans Processing fee Application fee (prior to identifying a property) Property insurance Borrower's life insurance

N/A

1% of the total loan amount, AED 5000 minimum payable AED 1000 0.05% per annum on the sum assured 0.40% per annum of the outstanding loan amount AED 500 Processing fee non-refundable AED 200 AED 200 1% of outstanding amount 2% of amount prepaid if within the first two years, thereafter 1% 3% of outstanding amount 1% of outstanding amount Free AED 2000 AED 2000 AED 100 per instance per document requested

* Not required for Loans/Credit Cards/Overdrafts customers. For Youth Package - no minimum balance required

Free Free AED 20

Free Free AED 20

Late payment fee Loan cancellation fee No liability letter Liability letter

Request for the copy of old cheques Less than 1 year Over 1 year Account closure (within 1 year) Dormant account charges Remittances
Demand draft (for account holders) AED 30 AED 30 AED 15

N/A N/A AED 100 Free

AED 10 per copy AED 20 per copy AED 100 Free

AED 10 per copy AED 20 per copy AED 100 Free

T.C. purchase Postage UAE Other Faxes UAE Other Courier UAE Other Telex/cable/SWIFT messages UAE Other Safe custody charges Credit card service and price guide Primary card Silver/dnata Silver/DIC Cards Gold/dnata Platinum Cards

Free Free

Free Free

Free Free

Prepayment fee - top up loan Prepayment fee - own sources Prepayment fee - settlement from another bank Change of product scheme Rescheduling fee

Free Free

Free Free

Free Free

Telegraphic transfer (for account holders) Local currency (within UAE) Foreign currency to home country and GCC countries Foreign currency to all other countries Direct transfer to Bank of Beirut Cancellation of demand draft Additional Telex (e.g. tracer) sent at request of customer - UAE Additional Telex (e.g. tracer) sent at request of customer - others Cancellation of remittance instruction/ recalling of funds remitted Swift message copy Inward remittances If deposited in beneficiary's account Standing instructions Setup charges Periodic payments (per transaction) Amendment charges Failed standing instruction Balance order Debit card charges Annual fee Debit card replacement fee Foreign currency transaction fee Copy of sales voucher Usage fee in UAE at Emirates NBD ATMs Cash withdrawal/deposit Balance enquiry Mini-statement Utility payment Free Free Free Free Free AED 25 2% AED 25 AED 50 AED 50 AED 40 AED 50 AED 75 AED 90 AED 25 Free Free Free Free Free AED 50 AED 75 AED 90 AED 25 Free Free Free Free Free AED 40 AED 60 AED 75 AED 20 Free Free Free Free Free

Free Free

Free Free

Free Free

Change in security Change in borrower/property ownership details Copies of property related documents

Free Free Free

Free Free Free

Free Free Free Office loans Processing fee Application fee (prior to identifying a property) Property insurance Borrower's life insurance Late payment fee Loan cancellation fee No liability letter Liability letter Prepayment fee - top-up loan Prepayment fee - own sources Prepayment fee - settlement from another bank Change of product scheme Rescheduling fee Change in security Change in borrower/property ownership details Copies of property related documents Investments & Bancassurance Structured notes: Subscription/redemption Free 2% of the total loan amount AED 1000 0.05% per annum on the sum assured 0.40% per annum of the outstanding loan amount AED 500 Processing fee non-refundable AED 200 AED 200 2% of outstanding amount 2% of amount prepaid 3% of outstanding amount 1% of outstanding amount Free AED 2000 AED 2000 AED 100 per instance per document requested

Annual fee (AED) 150/250/200 400/500 700 1500 550 1500 700 50 199 99 Free**

Finance charges per Finance charges per month* (retail purchase) month* (cash advance) 2.99% 2.99% 2.69% 2.19% 2.19% 2.99% 2.99% 2.99% 2.99% 2.99% 2.99% 2.99% 2.99% 2.19% 2.19% 2.99% 2.99%

Free

Free

Free

Platinum Card Infinite Card Business Card Skywards Infinite Card Skywards Platinum Card WebShopper Card Go4it Platinum Card Go4it Gold Card Supplementary Card

Free
Free AED 25 Free

Free
Free AED 25 Free

Free
Free AED 25 Free

N/A
2.99% 2.99%

* Finance charges are subject to increase by 1% in case the cardholder is one or more payments overdue. Original finance charge rates will be re-instated when all overdue payments have been made. **Annual fee for Go4it Cards is AED 49 per Supplementary Card

Other fees and charges Cash advance fee Over limit fee Late payment fee Foreign currency transaction fee Card replacement fee Cheque and direct debit return fee Copy of sales voucher Duplicate statement fee (per copy) - up to last 3 months - over 3 months Credit Shield General Payment due date (from the statement date) 25 days Minimum payment due Cash advance limit Please Note All fees and charges mentioned in this guide are subject to change. Such changes will apply from the effective date specified by the bank. Free Free Free Free Free Free Annual fee will not be reversed once the card has been used or terminated. No finance charges (except for cash advances) will be levied in case 100% payment is received on or before the payment due date. Finance charges are levied on all transaction types, calculated from transaction date till repayment date (calculated on average daily balance method). This Service and Price Guide is applicable with effect from 1st May 2011. AED 50 AED 50 Please refer to Terms & Conditions for full details. Personal loans 5% or AED 100 (whichever is higher) 50% of credit limit 3% or AED 75 (whichever is higher) AED 170 AED 170 2.90% AED 20 AED 100 AED 10 AED 15 per month AED 50 per month 0.80% of the outstanding balance at billing cycle (free for the first 2 months)

Exit penalty if redeemed/sold before maturity* 1st year 2nd year 3rd year Bid offer spread
Third-party products** Universal Investment Plan, Guaranteed Index Plan, Super Saver, Lifeline, Futura, Twin Invest, Takaful & Savings Programme, Protection Plus, Health Plus, Income Builder Plans, Smart Assure, Global Savings Account, Global Protection Account, International Term Assurance, International Wealth Account

3% 2% 1% 2%
Please refer to respective product brochures and policy documents

Usage fee on non-Emirates NBD (UAE Switch) ATMs Cash withdrawal Balance enquiry Declined transaction AED 2 AED 1 AED 1

In Arab Gulf cooperation countries at GCC Net ATMs as Cash withdrawal Balance enquiry International ATMs (outside UAE) Cash withdrawal Balance enquiry Services Special clearing - outward Special clearing - inward (proceeds by manager's cheque) Special clearing - inward (proceeds through UAE Central Bank) Stop payment charge (per instruction) For cheque/demand draft/manager's cheque N/A Foreign currency Foreign currency cash deposit Foreign currency cash withdrawal Post-dated cheques Extension of due date Substitution of cheque with cash Post-dated cheques deposited for collection Letters of encashment Cheque certification Post-dated cheques for presentation on due date If PDC withdrawn before maturity, an additional charge will be levied Outward clean collections Standard collections Commission OCC return charges Cash letter items Inward clean collection Commission Proceeds by DD/MC Proceeds by TT Cheque returned charges Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free AED 20 Free (If available) AED 6 AED 3

*Indicative only, the exit penalty on structured notes if sold before maturity depends on the product terms and can be referred to in the product term sheet. ** The charges for these products and other new third-party products launched by Emirates NBD are levied by the respective product issuers and are subject to change from time to time. Please refer to the respective product brochures and key features document for a complete list of these charges. General Conditions 1. All fees and charges mentioned in this guide are subject to change without notice. Updated tariff will be available on the bank's website www.emiratesnbd.com 2. Any fees listed in this guide apply to normal transactions. The bank reserves the right to levy additional charges for services at its sole discretion. 3. Charges for any services not mentioned in this guide will be available on request. 4. These charges are effective from 1st May 2011.

Processing fee (New/top-up) Enhanced credit life insurance (Double Cover) Personal Overdraft fee Late payment charge Instalment deferment fee Rescheduling fee Early settlement fee Early settlement fee top-up Advance EMI (Up to 3 EMIs) Partial payment Liability/no liability letter Loan cancellation fee

1% of total loan amount (minimum AED 500, maximum AED 2500) 0.95% of the loan amount (fresh & top-ups) AED 200 AED 50 AED 100 AED 250 1% of outstanding amount 1% of outstanding amount Free 1% of partial payment amount AED 100 AED 100

Free Free Free

Free Free Free

Free Free Free

Auto loans Processing Fee (New cars) Processing Fee (Used cars) Processing Fee (Commercial Vehicles) Early settlement fee Auto Protect Late payment fee (instalment standing order/cheque) AED 500 1% of loan amount, minimum AED 500, maximum AED 2500 1% of loan amount, minimum AED 500, maximum AED 2500 1% of outstanding amount 1% of total loan amount AED 50 April 2012