INVESTMENT BANKING

WE ARE HARMONIZING OUR CORE HERE IS ALL YOU NEED TO KNOW AS WE BEGIN OUR HARMONIZATION PROCESS

PERSONAL BANKING ACCOUNTS

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NCBA PLC is regulated by the of Kenya CONSUMER BANKING CURRENT ACCOUNTS PRODUCTS Previous Product Name New NCBA Product Features Product Name Previous Product Name New NCBA Product Features Product Name Features • Current Account - Normal 1. Account opening balance of Kes 2,000 Features Gold Pay as You Go • Current Account Pay As You 2. No minimum operating balance requirements 1. Account opening balance of Kes 2,000 • Freedom Account – Current Salary Current Transact 3. Monthly ledger fees charged according to • Smart Move 125 Current 2. No minimum operating balance requirements Account • Gold Pay As You Go Account operating account balance; Account 3. The account is available in Kenya Shillings only • Smart Move 200 Current 4. Monthly ledger fees Kes. 210 Account Balance (KES/FCY) Ledger Fee (KES/FCY equivalent) Account 5. All chargeable transactions will be as per the 0 to 30,000 KES. 640 • Smart Mobile Current approved tariff guide 30,000 to 100,000 KES. 585 100,000 and above Free Account 6. Access to a • Smart Move Current Account 7. Access to Internet and Mobile Banking channels 4. All chargeable transactions will be as per the • Smart Move 500 Current 8 Allows for Standing orders and direct debit approved tariff guide Account transactions 5. Access to a debit card 6. Access to Internet and Mobile Banking channels. Bene ts 1. Free Monthly e-statements By maintaining a minimum daily balance 2. Free intra account transfers requirement of Kes. 100,000, the Bank will waive the 3. Access to transactional mobile and online applicable ledger fee for the month banking at no monthly fee Bene ts 4. Same day clearing for bank drawn cheques 1. Access to transactional mobile and online 5. Opportunity to invest in NCBA unit trust funds banking at no monthly fee 6. Access to a wide range of health insurance, life insurance and car insurance packages 2. Same day clearing for bank drawn cheques 7. Access to credit and facilities subject to 3. Ability to use the Kenswitch and Pesa Point qualification. ATM network and all Visa branded ATMs worldwide 4. Opportunity to invest in the unit trust funds 5. Access to a wide range of health insurance, life insurance and car insurance packages • Current Account - Platinum @Work Pay as you Features 6. Access to loan facilities subject to qualification • Current Acct-Scheme Go 1. Account opening balance of Kes 2,000 • Current Account -Salary Plus 2. No minimum operating balance requirements • Citi Bank Staff Current 3. The account is available in Kenya Shillings and major Account FCY • NIC Salary Current Account 4. No Monthly ledger fees • Current Account - Value Plus 5. All chargeable transactions will be as per the • Current Account - Be More Student Account Features Tariff approved tariff guide • Student Current 1. Account Opening Balance = Kes.500 • IBL Personal Current Account Account 6. Access to a debit card and cheque book 2. Minimum Operating Balance = Nil 7. Access to Internet and Mobile Banking Channels 3. Monthly ledger fees = Nil 8. Allows for Standing orders and direct debit Bene ts transactions 1. No monthly fees. Pay for what you use Bene ts 2. Subsidized funds transfer – Account to Mpesa - Kes 40 1. No monthly ledger fee on account. Pay only for what 3. Access to transactional mobile and online you use banking at no monthly fee 2. Free intra account transfers 3. Access to transactional mobile and online banking at monthly fee 4. Same day clearing for bank drawn cheques 5. Access to a wide range of health insurance, life insurance and car insurance packages 6. Access to loan facilities subject to qualification

NCBA Bank Kenya PLC is regulated by the NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya Previous Product Name New NCBA Product Features Previous Product Name New NCBA Product Features Product Name Product Name Features Bene ts • Current Account Pay As Platinum Pay as You 1. No minimum operating balance requirements 1. Access to transactional mobile and online Go You Transact 2. Monthly fee of KES. 350 (or FCY equivalent) – banking at no monthly fee • Move - Pay As You Go for the 1st ten (10) transactions thereafter a fee 2. Ledger fee waiver if balance is maintained Account • Platinum - Pay As You of Kes. 30 per transaction. at >KES 500,000 Go Account 3. All chargeable transactions will be as per the 3. Same day clearing for bank drawn cheques • Gold - Pay As You Go approved tariff guide 4. Ability to use the Kenswitch and Pesa Point Account 4. Access to a debit card ATM network and all Visa branded ATMs 5. Access to Internet and Mobile Banking channels worldwide 5. Opportunity to invest in the banks unit trust By maintaining a minimum daily balance requirement of funds Kes. 500,000, the Bank will waive the applicable ledger 6. Access to a wide range of health insurance, fee for the month. life insurance and car insurance packages 7. Access to loan facilities subject to Bene ts qualification 1. No monthly ledger fee on account. Pay only for what you use 2. Free intra account transfers Features 3. Access to transactional mobile and online • Current Account Bundled Gold All-In-One 1. Account opening balance of Kes 2,000 banking at monthly fee • Move Flat Fee Current 2. No minimum operating balance 4. Same day clearing for bank drawn cheques Account requirements 5. Access to a wide range of health insurance, life 3. Monthly fee of KES. 850 (or FCY equivalent) insurance and car insurance packages for consumer banking clients – enables free 6. Access to loan facilities subject to qualification access to:

a. Processing of Incoming salary b. Over the counter cash withdrawals (LCY Features and FCY) c. Cheque books • Current Account Bundled Platinum All-In-One 1. Account opening balance of Kes 2,000 d. Debit card • Gold - Flat Fee Current 2. No minimum operating balance requirements Account 3. Monthly fee of KES. 1,400 (or FCY equivalent) for e. Incoming funds transfer consumer banking clients – enables free access to: f. Direct Debit & Standing Orders - set-up, a. Processing of Incoming salary processing, amendments and cancellation b. Over the counter cash withdrawals (LCY and FCY) g. Banker’s cheques (local currency) c. Cheque books h. Banker’s drafts (Foreign Currency) d. Debit card i. Standing order – set up and processing e. Incoming funds transfer j. RTGs and EFTs f. Direct Debit & Standing Orders - set-up, k. Inter-account transfers processing, amendments and cancellation l. Monthly e-statements g. Banker’s cheques (local currency) m. ATM withdrawals on Bank owned ATMs h. Standing order – set up and processing n. Access to the account at all Bank branches i. RTGs and EFTs countrywide j. Inter-account transfers o. Access to Internet and Mobile Banking k. Monthly e-statements Channels l. ATM withdrawals on Bank owned ATMs By maintaining a minimum daily balance requirement of Kes. 500,000, the Bank will waive the applicable m. Access to the account at all Bank branches ledger fee for the month. countrywide n. Access to Internet and Mobile Banking Channels By maintaining a minimum daily balance requirement of Kes. 500,000, the Bank will waive the applicable

NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya Previous Product Name New NCBA Product Features Previous Product Name New NCBA Product Features Product Name Product Name Bene ts Features 1. Access to transactional mobile and online Premier-All-In-One Account • Platinum All-In-One Account • Account opening balance of Kes 2,000 banking at no monthly fee • Platinum - Flat Fee Account • No minimum operating balance requirements 2. Ledger fee waiver if balance is maintained at • Monthly fee of KES. 2,135 (or FCY equivalent) >KES 500,000 for consumer banking clients – enables free 3. Same day clearing for bank drawn cheques access to: 4. Ability to use the Kenswitch and Pesa Point ATM network and all Visa branded ATMs 1. Processing of Incoming salary worldwide 2. Over the counter cash withdrawals (LCY and FCY) 5. Opportunity to invest in the banks unit trust 3. Cheque books funds 4. Debit card 6. Access to a wide range of health insurance, 5. Incoming funds transfer life insurance and car insurance packages 6. Direct Debit & Standing Orders - set-up, processing, 7. Access to loan facilities subject to amendments and cancellation qualification 7. Banker’s cheques (local currency) 8. Standing order – set up and processing • Consolidated Diaspora Homeward Current Features 9. RTGs and EFTs Account 1. Account opening balance of KES 2,000 10. Inter-account transfers • Current Account - Indiv 2. No Minimum Account Operating Balance 11. Monthly e-statements In Diaspora 3. No Monthly Ledger Fees 12. ATM withdrawals on Bank owned ATMs • Diaspora Account 4. The account is available in Kenya Shillings 13. Access to the account at all Bank branches and major FCY countrywide 5. Access to Internet and Mobile Banking channels 14. Access to Internet and Mobile Banking Channels 6. Access to a debit card 7. Access to a cheque book Bene ts 8. Tiered Interest / bonus earning account a. Access to transactional mobile and online banking at no monthly fee Bene ts b. Ledger fee waiver if balance is maintained at >KES 1. Bonus paid on account for funds held in the 1,000,000 account (subject to minimum interst earning c. Same day clearing for bank drawn cheques threshold) d. Ability to use the Kenswitch and Pesa Point ATM 2. Access to transactional mobile and online network and all Visa branded ATMs worldwide banking at no monthly fee e. Opportunity to invest in the banks unit trust funds 3. Opportunity to invest in the banks unit trust f. Access to a wide range of health insurance, life funds insurance and car insurance packages 4. Access to Property Finance loan facilities g. Access to loan facilities subject to qualification subject to qualification

NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya CONSUMER BANKING SAVINGS ACCOUNTS

Previous Product Name New NCBA Product Features Previous Product Name New NCBA Product Features Product Name Product Name

Orchard Premium Current Platinum Flexi 1. Account opening balance of Kes 2,000 • Prosaver Account Premier Savings 1. No ledger fees Account (name change 2. No Minimum Account Operating Balance • Nufaika Account or 2. Free withdrawals over the counter only) 3. Monthly Ledger Fees Kes. 350 (waived if balance of Gold Savings 3. Free transfer to own current account via • NIC Saver KES. 50,000 is maintained throughout the month) internet and mobile banking 4. 1st four (4) transactions are allowed, thereafter a fee • Mazao 4. Unlimited credits from cash deposit, funds of KES. 300 per transaction is charged • IBL Savings transfers and standing orders 5. Balance requirement to waiver ledger fees – Kes. • High Yield 5. Account opening and minimum operating 50,000 balance of KES. 2,000 or Kes 100,000 (Premier • Move Savings 6. The account is available in Kenya Shillings and Savings) major FCY 6. Credit interest rate calculated daily and paid 7. All chargeable transactions will be as per the to the account on a quarterly basis approved tariff guide. 7. Minimum interest earning balance of KES. 8. Access to Internet and Mobile Banking Channels 5,000 and KES 100,000 (Premier Savings) 9. Access to a debit card and cheque books 8. Outward transfers are not allowed 10. Tiered Interest / bonus earning account paid on the 9. No Cheque Book or ATM card issued KES account where balance >KES 50,000 is 10. Free quarterly e-statements maintained. 11. Competitive interest is paid for balances held in the account - refer to a Consumer Banking Features Relationship Manager for the prevailing credit Senior Citizen Account Wiser Account 1. Minimum account opening balance of Kes 10,000 interest payable. (name change 2. No Minimum Account Operating Balance only) 3. Minimum interest earning balance of Kes 100,000 1. No ledger fees 4. No Monthly Ledger Fees 2. Free cash withdrawals over the counter (1 5. The account is available in Kenya Shillings and • Savings Account –Minor Junior Savings withdrawal per month) major FCY • Young Movers 3. Free transfer to own current account via internet 6. Access to Internet and Mobile Banking Channels and mobile banking 7. Access to a Gold debit card 4. Unlimited credits from cash deposit, funds 8. Access to a cheque book transfers and standing orders 9. Tiered Interest / bonus earning account 5. Account opening and minimum operating balance of KES. 2,000 Bene ts 6. Credit interest rate calculated daily and paid a. Bonus paid on account for funds held in the account to the account on a quarterly basis (subject to minimum interest earning threshold) 7. Minimum interest earning balance of KES. b. Access to transactional mobile and online banking 5,000 at no monthly fee 8. Outward transfers are not allowed directly c. Access to customized Insurance packages from the account d. Opportunity to invest in the banks unit trust funds 9. No Cheque Book or ATM card issued 10. Competitive interest is paid for balances held in t the account - refer to a Consumer Banking Relationship Manager for the prevailing credit interest payable.

NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya NCBA Bank Kenya PLC is regulated by the Central Bank of Kenya