ACCOUNTS CHARGES Effective October 2016 (KSH OR AS STATED) TARIFF GUIDE Amanah Jenga biashara CURRENT ACCOUNTS Operating Balance 200 Switch Salo Current Account Minimum operating balance Nil Maintenance fee per month NIL Maintenance fee per month (Minimum) (Without a credit) 250 Amanah Vision accounts Maintenance fee with credit/salary advance card Nil OTHER SERVICES 500 Cheque book and stamp duty per leaf 12.50 Minimum operating balance Salary processing fee without a credit /salary advance card 150 Maintenance fee per month NIL Cash Deposit Salary processing fee with a credit/salary advance card Local currency Free Nil FOREIGN CURRENCY PERSONAL CURRENT ACCOUNTS (FCY) Cheque Deposit Account Maintaince Fee Personal Current Account Cheque deposited returned unpaid 1,000 Amount per month for FCY accounts USD 10 Minimum operating balance Nil that have balances below $100 , 3rd party cheques encashments on arrangements 300 Ledger fees per entry 35 Amount per month for FCY accounts EUR 6 Maintenance fee per month (minimum) 500 that have balances below EUR 100 Debit Cards Cheque book and stamp duty per leaf 12.50 Amount per month for FCY accounts that GBP 3.5 First card issue 600 Business Account have balances below GBP 100 Card replacement 600 Minimum operating balance Nil Cheques Returned Unpaid Retrieval of NBK captured card at NBK branches free Per entry 35 Refer to Drawer USD 10 600 By NBK (per cheque) USD 10 Cash withdrawal at NBK ATMs 30 Maintenance fee per month (Minimum) USD 30 + corresponding bank By banks abroad (per cheque) Cash withdrawal at Pesapoint ATMs 70 Cheque book and stamp duty per leaf 12.50 charges Cheque Book FCY USD 10, Euro 10, GBP 6 Cash withdrawal at Visa branded ATMs (Local) 70 Cash Handling LCY 0.15% of Value Retrieve Old Cheques 300 300 Cash Handling FCY 0.15% of Value Ahadi Foreign Currency Savings Account Cash withdrawal at Visa branded ATMs (Foreign) Premium Account Minimum operating balance USD, GBP, EUR 200 Retrieval of captured NBK card at other banks USD 15 Minimum operating balance Nil Maintenance fee per month Nil Minimum interest earning balance USD, GBP, EUR 200 Credit Cards Monthly ledger fee - Waived when a balance of Ksh .200,000 is maintained 1,200 Salary Processing Fee Fees Classic Gold Platinum Cheque book free Processed at branch 150 Annual Fees 2500 4000 8000 NBK Elimu Collection account Automated processing at CCC 50(min) 100(max) Over Limit Fees 1000 2000 3000 Minimum operating balance Nil Received from other banks 100 Statement Charges Late Payment Fees 1500 1500 1500 Maintenance fee per month Nil Monthly business/corporate 50 Cash Advance Fees Cash Handling Fees Nil 5% 4% 4% (on transaction amount) Over the Counter Withdrawals Nil Monthly personal Nil Transactional Account 30 Insurance Fees 0.08% of Cheque Book and Stamp Duty per Leaf 12.50 0.08% of 0.08% of Duplicate Additional Statement Per Sheet (Life & Retrenchment) outstanding outstanding outstanding Jenga Current Account per month balance balance balance Minimum Operating balance Nil Period of below 3 months 250 Ledger fees per month 560 Period of above 3 months 300 FX Conversion Charges Up to 3% Up to 3% Up to 3% Cheque Book and Stamp Duty per leaf 12.50 Interim 100 Supplementary Card 1000 1000 1000 ATM Fees Nil Certified Bank statement 150 Annual Fee Over the counter withdrawals Nil Certificate of balance 1,000 TRANSACTIONAL ACCOUNTS Interest Rate 3.5 % per Month 3.5 % per Month 3.5 % per Month Taifa Account Local Payments Outward (sending) Minimum Amount 10% of the billed 10% of the billed 10% of the billed Minimum operating balance 500 EFT 150 payable balance credit card balance credit card balance Maintenance fee per month 50 + Any previous + Any previous + Any previous RTGS 500 arrear amts arrear amts arrear amts Wages Account Inward (receiving) Minimum Operating balance 50 EFT 150 Salary Advance Card Maintenance fee per month Nil RTGS Nil Fees 3,000-5,000 >5,000-10,000 >10,000 International Payments Joining Fees Salary processing fee 50 Free Free Free Outward sending * Monthly Fees (This is Student Account Foreign draft customers 600 7.5% of the card 7.5% of the card 7.5% of the card only applicable when limit. Minimum 500 limit. Minimum 500 limit. Minimum 500 Minimum operating balance Nil Foreign draft non customers 1,000 the card is used) Maintenance fee per month Nil Swift 0.25% min 500 max 5000 + Salary Advance communication Charges withdrawal Fees 50 50 50 Wekeza Account Inward payments (NBK ATM) Minimum operating balance 50 Money orders 500 Salary Advance Maintenance fee per month Nil withdrawal Fees 70 70 70 Swift Ksh account holders 0.25%min 500 max 6,000 + (Other ATMs) Business Transactional Account communication Charges Minimum Operating Balance Nil Swift (FCY account holders) 1/% ( min USD 4 max USD 10) Salary Advance Late 10%(of outstanding 10%(of outstanding 10%(of outstanding Payment Fees amount accruing amount accruing amount accruing Maintenance Fee per Month Nil Draft customers USD 10 max USD 60 daily) daily) daily) Draft non customers USD 10 USD max 10 Cash Handling Fees Nil Interest rate(accrues daily 2% 2% 2% on outstanding amount) Unpaid direct credit cheque USD 15 + applicable interest Over the Counter Withdrawals 200 on O/D Note: Salary advance plus charges is recoverable in full upon salary receipt. Out ward T Ts 400 ATM withdrawal fee is applicable at Kes. 30 per transaction Bankers Cheque Local Currency Trade Finance NBK Elimu Collection account Customer 300 Sight Letters of Credit Minimum Operating Balance Nil Non customer 500 Opening/Establishment 0.5% per quarter Min 2000 Maintenance Fee per Month Nil Confirmation fee - Outward LC as charged by Correspondent School Fees 100 Cash Handling Fees Nil bank Over the Counter Withdrawals Nil School fees for vision A/H Free Inward LC 0.4% per quarter Min 2000 No Cheque Book Standing Orders Retirement 0.25% of value (minimum Kshs Set-up charged once 250 Jenga Biashara account 2,000) Unutilized letters of credit 0.20% of value (minimum Kshs Standing order payment to NBK branches 150 Opening Balance 500 2,000) Standing order payment to other banks 300 Minimum Operating Balance Nil Amendments Kes 2500 + Communication Standing order to vision account Nil Ledger fees per month Nil charges Unpaid standing order 3,000 No Cheque Book Nil Advising commission on incoming L/C Customer USD 50 Non customer Unpaid standing order due to Insufficient 3,000 SAVINGS ACCOUNTS USD 100 funds Vision Account Document handling USD 50 Standing order amendment 200 Minimum operating balance 500 Courier Charges as per actual courier charge Standing order stopped 400 Maintenance fee per month Nil Bills of Exchange and Promissory Notes KRA Charges Minimum interest earning balance 5,000 Protesting of Bills Kes 2,000 per bill + legal Fees Interest rate 7% per annum P.A.Y.E. 100 Ahadi Account Extension of Bills 0.25% per quarter minimum Pre-IDF 70 Kshs 1,500) Minimum operating balance 1,000 VAT 50 Bills for acceptance 0.25% per q uarter minimum Maintenance fee per month Nil Kshs 1,000) Land Rates 100 Interest rate 7% per annum 0.5% of value Land Rent 100 Bills discounting Counter Cash Withdrawal (minimum Kshs 1,000) Miscellaneous Interest on bills discounted for the credit period Applicable on OD rate Amounts per withdrawal 200 Collection of money/postal 50 Guarantees ( Amounts per withdrawal Vision, Ahadi Account NIL For large amounts above 5M refer to H/O) Unpaid money orders 50 Photocopies per page Counter cheques 500 2% per annum(minimum 50 General guarantees (secured) (including for internal use) shs 2,000) Cheques Returned Unpaid Transfer funds to Unclaimed balances 200 Unsecured guarantees 3% p.a. Refer to drawer 3,000 Blocking account – customer request 100 Shipping guarantees (fully secured) 2% per annum(minimum Technical reasons 500 shs 2,000) Bankers’ opinion local 1,000 Unpaid Effects not cleared 3,000 Bid bonds 2% per annum(minimum Bankers’ opinion foreign 2,000 Kshs 2,000) Stop payment 500 Audit inquiry de ails 2,000 Performance bonds 2% per annum(minimum Handling fee inward unpaid 1,000 Kshs 2,000) Certificate of Balance 1, 000 t AMANAH Custom Bond 2% per annum(minimum Audit Enquiries 2,000 Kshs 2,000) 0.25% (minimum s 200, Amanah SME Business account Commission on purchase of T bills and bonds maximum 5,000) Operating Balance NIL Documentary Collections Documentation fee for discharge of title Nil Minimum 500 for 50 transactions Ledger Fees per month Payment Commission on collection 0.5% min Kshs 2,000 thereafter 35/- per transaction Safe Custody (Half Yearly Rates) Avalization 0.75% per quarter Min Kes 2,000 Amanah Personal Current account Sealed envelope /package contents uncleared 1,000 per wallet Return of documents Kshs. 3,000 plus courier charges Operating Balance NIL Access charges (per visit) 500 Swift Charges Kshs. 1,500 per page Monthly Ledger Fee per month 400 Title deeds (discharged not collected) 1,000 Amendments Kshs. 2,000 Share certificates (discharged not collected) 800 Corporate Current Account NATCONNECT Pesa Link Customer charges NIL Operating balance Setup Fee (Business and Corporate Customers) Negotiated 600 thereafter 35/- per Min Max Monthly ledger Fees per month Monthly Fee (Business and Corporate Customers) 1,000 transaction 0 500 0 Transaction processing Fee ( EFT, Salary processing) 150 501 10000 45 TRANSACTIONAL ACCOUNTS RTGS 500 10001 50,000 65 Swift 1,500 Amanah Taifa Account NATMOBILE BANKING CHARGES 50,001 100000 80 100,001 200,000 115 Minimum Operating balance 500 Internal Account Transfer 35 200,001 500,000 150 Maintenance Fee 50 Airtime Purchase (my phone and other phone) 30 500,001 999,999 150 Amanah Student Account Pin Change 25 *Mailing charges shall be billed to the customer Forex Enquiry Minimum Operating balance NiL 10 These charges are subject to change and details will be available at branches Maintenance Fee NIL Language change 10 and website Almasi Lady Balance Enquiry 30 Operating Balance 1000 Mini statement 30

Maintenance fee per month NIL Beneficiary management 5

National Bank of Limited is regulated by of Kenya