FEES & SERVICES CHARGES RETAIL BANKING

Personal Accounts Cheques Average monthly balance BHD USD GBP EUR Issuance of first cheque book Free Current Account 300 1,060 610 880 Issuance of 50 leaf cheque book BHD 5.250 Express Savers 20 N/A N/A N/A Mailing of uncollected cheque book BHD 2.100 Stop Payment BHD 5.250 per cheque Save Wave N/A N/A N/A N/A Counter Cheque BHD 2.100 per cheque Al Mumayaz 2,000 5,000 5,000 5,000 Returned Cheque BHD 14.7 for insu cient funds Call Account 5,000 15,000 10,000 25,000 / refer to drawer/ not arranged Fixed Deposit 1,000 3,000 2,000 3,000 for/ present the cheques again / account closed/ BHD 10 Fees for non-maintenance of minimum balance for other reasons Current Account (1) BHD 3 p.m. Cheque Purchase (foreign currency) BHD 3.150 per Cheque Express Savers (1,2) BHD 1 p.m. Save Wave (2) Nil SERVICE CHARGES ON CREDIT SERVICES (3) Al Mumayaz Nil interest if balance is below minimum or withdrawals Personal Loans is more than 3 times p.m. Loan handling and processing charges BHD 105 Call Account Nil interest if balance is below minimum. Fee of BHD 5 p.m Cancellation/Pre-payment through self Fixed Deposit BHD 10 plus cost of fund as determined by Treasury deposit (partial/ full)/ through loan from early withdrawal other bank 1.05% (or BHD 105 whichever is lower) Save Wave BHD 0.893 semi-annually Administration charge Rescheduling / Instalment deferment BHD 10.5 per month Late payment BHD 15 per month Issuance of draft/Manager's cheque Issuance of Loan Balance Certificate (6)(11) Free once a year, BHD10.500 if more Demand Draft/ Manager’s Cheque/ Certified Cheque BHD 3.150 per Cheque than once a year (6) Cancellation of Manager’s Cheque/Certified Cheque Free Release Certificate Free within 6 months of the loan/ Cancellation of Demand Draft BHD 5.250 credit facility closure, BHD 5.250 after 6 months of the loan/ credit Swift Transfer facility closure Within GCC / International BHD 5.250, plus correspondent bank Mortgage Loan processing fee BHD 210 for loan amounts upto charges, if any. BHD 150,000 Transfer to Local Bank (RTGS) 420 fils BHD 315 for loan amounts between BHD 150,001 and BHD 250,000 Bank Transfer BHD 525 for loan amounts between BHD250,001 Through Fawri + Free upto BHD 100, 105 fils per transaction if above BHD 100 Pre-payment of Mortgage Loan 0.7875% or (BHD 210 Through Fawri 105 fils per transaction (other than salaries) whichever is lower) 5.25 fils per transaction (salaries) FlexiCredit: (new/ renewal/ limit change) BHD 31.500 p.a. FlexiCredit: Insurance fee BHD 0.265 p.m. / per 1000 Inward Remittance Release of Fixed Deposit under Lien Free Paid in BHD cash Nil Overdraft: (new/ renewal/ limit change) Between BHD 157.500 to To A/C in same currency Free 0.2625% of limit (minimum To A/C with other local bank in BHD (EFTS) 105 fils BHD 525) depending on the limit To A/C with other local bank in BHD (RTGS) 420 fils Miscellaneous Charges To A/C with other bank in Foreign Currency 1.05% (min BHD 5.250 max Counting Coins BHD 1.050 bag BHD 26.250 plus SWIFT Cash withdrawal less than charges) BHD 1000 over the counter (10) BHD 1.050 Duplicate Fixed Deposit Advice BHD 5.250 Foreign Currency Reactivating dormant account BHD 5.250 Foreign currency cash deposit Nil Bill Payment (over the counter) BHD 1.050 Foreign currency cash withdrawal Nil Account / Loan Statement copy / other documents Standing Order Up to 2 times per year (1) Free Transfer within NBB BHD 1.050 More than 2 times per year (1) 315 fils per page (max BHD5.250) Transfer to other bank in Bahrain Hold Mail BHD 2.010 p.m. through Manager’s cheque or draft BHD 3.150 (plus BHD 1.050 Credit Report (6) Free once a year, etail bank for Standing order) free once a year, BHD5.250 Transfer to other bank.(through EFTS) BHD 1.050 if more than once a year (1) Not applicable to orphans, widows, disabled persons, pensioners, individuals receiving social subsidies, students and

Transfer to other bank (through RTGS) BHD 1.050 entional r Standing Order not executed due to Bahraini nationals with a monthly salary below BHD 250 p.m. Such customers should contact their branch with proof of v

their special status for exemption. o n insu cient funds BHD 5 (2) Interest paid at the rate of 0.15% p.a. Amendments/Cancellation Fees BHD 2.1 (3) Rates may differ for different loan packages. All rates are subject to change. Deposits held with National Bank of Bahrain are covered by Deposit Protection Scheme established by CBB regulation. Deposit Protection is limited to the maximum amount allowed under the scheme.

ATM/Debit Card CBB as a c (4) Charge of BD 1/- with execution of any standing order. Issuance of first ATM Card Free (5) Mailing charges as applicable. Issuance of supplementary or (6) For Pensioners, no charge. (7) For availing loans/ credit card facilities, customers must maintain a savings or current account with the Bank. replacement card BHD 3.150 ensed b y (8) APRs for Mortgage loans starts from 5.53% calculated on a standard loan of BD100,000 for 300 months. GCCNET ATM BHD 1.050 per transaction (9) Interest rate on overdrafts varies depending on the security provided. Li c International ATMs 3.15% all-inclusive (10) Not applicable for disable person. International POS 3.15% all-inclusive (11) Liability letter addressed to Supreme Council for Women or Ministries or for Social Housing Purpose - free 2020

E ective from 1st January 2019, our fees will be subject to VAT as per the VAT regulations June