Schedule of Charges

Personal Banking Charges

Minimum monthly average relationship balance (applicable for salary variant) 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 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 Maximum number of withdrawals per month for Smart S@ver accounts*** 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 p.a. AED 5 for 25 transactions, max of AED 20 per request AED 25 p.a. AED 5 for 25 transactions, max of AED 20 per request AED 25 p.a.

Personal Banking Select/Ladies Plus/Youth/Go4it/ Banking (Executive Ladies Banking Woman & Emirati (Homemaker) Woman)
N/A AED 5,000* AED 4,000 Free AED 25 per month Free Free Free 8 transactions per month free; thereafter AED 10 per transaction First cheque book (25 leaves) free; thereafter AED 25 AED 100 1 N/A AED 100,000* AED 15,000 Free AED 25 per month Free Free Free 10 transactions per month free; thereafter AED 10 per transaction First cheque book (25 leaves) free; thereafter AED 20 AED 100 3

Personal Banking Select/Ladies Plus/Youth/Go4it/ Banking (Executive Ladies Banking Woman & Emirati (Homemaker) Woman)
Free Free Free Free Free Free

Classic

Charges
Cheque Certification Post-dated cheques for presentation on due date If PDC withdrawn before maturity, an additional charge will be levied
Outward Clean Collections

Classic
Free Free Free

Charges

Classic

Select/Ladies Plus/Youth/Go4it/ Banking (Executive Ladies Banking Woman & Emirati (Homemaker) Woman)

AED 3,000 AED 3,000 Not offered AED 25 per month AED 25 per month Free Free Free 6 transactions per month free; thereafter AED 10 per transaction N/A N/A 1

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 April 1st, 2013. Please refer to Terms and Conditions for full details.
Personal Loans

Standard collections Commission OCC Return Charges Cash letter items

Inward Clean Collection

Processing fee (New)

Free Free Free Free Free Free Free Free Free

1% of Loan amount (minimum AED 500, maximum AED 2,500) 1% of Top-up amount (minimum AED 500, maximum AED 2,500) 1.24% - 1.50% of the loan amount (fresh and top-ups) AED 200 AED 50 AED 100 AED 250 1% of outstanding amount (maximum AED 10,000 if buy over) 1% of outstanding amount Free 1% of outstanding amount AED 100 AED 100

Processing fee (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

Commission Proceeds by DD/MC Proceeds by TT Cheque returned charges

Certification & letters

Free Free Free Free

Free Free Free Free

Free Free Free Free

Account balance letter/Account reference charges 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

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

Advance EMI (up to 3 EMIs) Partial payment Liability/No Liability letter Loan cancellation fee
Auto Loans

*Minimum monthly average relationship balances have to be maintained to enjoy the respective package privileges, failing which the Bank has the right to downgrade the relationship. Fee for non-maintenance of balance will be charged if the monthly average relationship balance falls below AED 3,000. Customers with active Loans/Credit Cards/Overdrafts or holding Youth package are exempt from the above mentioned minimum balance requirements. **If salary is not credited for six months, the Bank reserves the right to change the account from salary to savings variant. The fee for non-maintenance of balance will be applicable. ***With effect from July 1st, 2013; Transfers to own Smart S@ver accounts, utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals are more than the above permissible limits, the interest applied for the month will be at 0.50% p.a.

Processing Fee (New cars /Used cars/Business vehicles) Early Settlement fee

1% of loan amount (minimum AED 500, maximum AED 2,500) 1% of outstanding amount 1% of total loan amount AED 50 Free Free Free AED 100 Free Free 1% of payment made AED 250 Free Free

Rentals per annum Small Medium Large Extra-large Over-size Replacement of lock/key AED 750 AED 1,000 AED 1,500 AED 2,000 AED 2,500 Actual AED 750 AED 1,000 AED 1,500 AED 2,000 AED 2,500 Actual AED 750 AED 1,000 AED 1,500 AED 2,000 AED 2,500 Actual

Auto Protect Late payment fee (instalment standing order/ cheque) 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

Request for the copy of old cheques Less than1 year Over1 year Account closure (within 1 year) Dormant account charges Remittances 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

Locker Deposit will be required based on the size of the locker.

Other services

Demand draft (for account holders)

Telegraphic transfer for account holders

AED 30

AED 30

AED 15

Hold mail Investigations T.C. purchase

Free Free AED 20

Free Free AED 20

Free Free AED 20

Change of registration Partial Payment (only valid for 3 and above instalments) Rescheduling Fee Change of due date on standing instructions

Local currency within UAE (SHA) Local currency within UAE (BEN) Local currency within UAE (OURS) Foreign currency to home country and GCC countries (through Branch) Foreign currency to home country and GCC countries (through Online Banking) Foreign currency to all other countries (through Branch) Foreign currency to all other countries (through Online Banking) Direct transfer to Bank of Beirut Cancellation of demand draft

AED 25 AED 25 AED 50 AED 75 AED 35 AED 90 AED 45 AED 20 Free

AED 25 AED 25 AED 50 AED 75 AED 35 AED 90 AED 45 AED 20 Free Free Free Free Free

AED 25 AED 25 AED 50 AED 60 AED 30 AED 75 AED 40 AED 20 Free Free Free Free Free

Postage
UAE Other Free Free Free Free Free Free

NOC to Traffic Department

Home Loans

Faxes
UAE Other Free Free Free Free Free Free

Processing fee Application fee (prior to identifying a property) Property insurance

1% of the total loan amount AED 3,500 0.05% per annum on the sum assured > 0.40% per annum of the outstanding loan amount > 0.6% per annum for Co-borrowers *Subject to medical assessment AED 500 Processing feenon-refundable AED 200 AED 350 As per sanction letter AED 5,000 AED 2,000 AED 2,000 AED 100 per instance per document requested

Courier
UAE Other Free Free Free Free Free Free

Borrower's life insurance* Late payment fee

Telex/cable/SWIFT messages
UAE Other Safe Custody Charges
Credit card service and price guide Primary card Annual fee (AED) Finance charges per month1 (retail purchase) Finance charges per month1 (cash advance)

Additional Telex (e.g. tracer) sent at request of Free customer - UAE Additional Telex (e.g. tracer) sent at request of Free customer - others Cancellation of remittance instruction/recalling of Free funds remitted Swift message copy
Inward Remittances

Free Free Free

Free Free Free

Free Free Free

Loan cancellation fee No Liability letter Liability letter Prepayment fee and Partial Settlement fee Restructuring fee Change in property (SWAP) Change in ownership details (Co-borrowers) Copies of property related document
Office Loans

Free

If deposited in beneficiary's account

Standing Instructions

Free

Free

Free

Silver/dnata Silver/DIC Cards Titanium/Gold Card

150/250/200 400/400 500/999 700 1,500 550 1,500/ 700 199 99 50 Free

3.09% 3.09% 2.99% 2.99% 1.49% 2.19% 2.99% 2.99% 3.09% 2.99%

3.09% 3.09% 2.99% 2.99% 1.49% 2.19% 2.99% 2.99% 3.09% N/A

Set-up charges Periodic Payments (per transaction) Amendment charges Failed Standing Instruction Balance order
Debit Card Charges

AED 50 Free Free AED 25 Free

AED 50 Free Free AED 25 Free

AED 40 Free Free AED 25 Free

dnata Platinum/dnata World Platinum Card Infinite Card Business Card Skywards Infinite/Platinum Card Go4it Platinum Go4it Gold WebShopper Card Supplementary Card Go4it Supplementary Card (one time joining free)
Other fees and charges

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

2% of the total loan amount AED 1,000 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

Annual Fee Debit Card Replacement Fee Foreign Currency Transaction Fee* Copy of sales voucher One time Service Fee**
Usage fee in UAE at Emirates NBD ATMs

Free AED 25

1.84%
AED 25 AED 50

49

Cash Withdrawal/Deposit Balance Enquiry Mini-statement Utility payment

Free Free Free Free

Cash advance fee Over limit fee Late payment fee Foreign currency transaction fee 2 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

3% or AED 99 (whichever is higher) AED 179 AED 179 1.84% 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) 0.89% of the current balance at billing cycle (free for first 2 months) AED 49 AED 100

Prepayment fee - settlement from another bank 3% of outstanding amount Change of product scheme Rescheduling fee Change in security Change in borrower/property ownership details Copies of property related document
Investments & Bancassurance

1% of outstanding amount Free AED 2,000 AED 2,000 AED 100 per instance per document requested

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

Structured notes: Subscription/redemption Exit penalty if redeemed/sold before maturity* 1st year 2nd year 3rd year Bid offer spread 3% 2% 1% 2% Free

Cash Withdrawal Balance Enquiry

International ATMs (outside UAE)

AED 6 AED 3

Credit Shield Lifestyle Protector Insurance

Cash Withdrawal Balance Enquiry

AED 20 Free (If available)

0% Installment Plan Processing fee

Cancellation fee
- Installment Plans - Dial-A-Cheque - Balance Transfer

* This fee is charged in addition to the standard processing fee charged by Visa International and is applicable to transactions performed in any currency other than UAE Dirhams. ** Applicable only for Go4it Package.

Services

General

Special Clearing - Outward Special Clearing - Inward (proceeds by Manager's Cheque) Special Clearing - Inward (proceeds through UAE Central Bank)
Stop payment charge (per instruction)

Free

Free Free Free

Free Free Free

Payment due date (from the statement date) Minimum payment due Cash advance limit
Please Note

25 days 5% or AED 100 (whichever is higher) 50% of credit limit

Free
Free

Third-party products** Universal Investment Plan, Guaranteed Index Plan, Super Saver, Lifeline, Futura, Twin Invest, Takaful & Savings Programme, Protection Plus, Please refer to respective product brochures and policy documents Health Plus, Income Builder Plans, Smart Assure, Global Savings Account, Global Protection Account, International Term Assurance, International Wealth Account
*I ndicative 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 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

For Cheque/Demand Draft/Manager's Cheque

Foreign currency

N/A

AED 50

AED 50

All fees and charges mentioned in this guide are subject to change. Such changes will apply from the effective date specified by the bank. Annual fee billed will not be reversed if the card has been used or cancelled. No Finance Charges (except for cash advances) will be levied in case 100% payment is received on or before the payment due date.
1. 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. 2. This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions performed in any currency other than UAE Dirham. This fee is waived for Emirates NBD dnata World MasterCard Credit Cardholders for a limited period only. Please refer to emiratesnbd.com/cards for updates.

Foreign Currency Cash Deposit Foreign Currency Cash Withdrawal

Post-dated cheques

Free Free

Free Free

Free Free

Extension of due date Substitution of cheque with cash Post-dated cheques deposited for collection Letters of Encashment

Free Free Free Free

Free Free Free Free

Free Free Free Free

PERSONAL BANKING

May 2013