Revised Tariff Effective 1St January, 2020

REVISED TARIFF EFFECTIVE 1ST JANUARY, 2020

ITEM 1st January, 2020 3). Decline ATM Cash withdrawal insufficient funds NATSWITCH MWK 300.00 STANDING ORDERS/DIRECT DEBITS ii) Establishment comm on LC 5). Letters of Guarantee FREE SERVICES 4). Declined ATM Cash withdraw insufficient funds(internationally) $2.00 i). Establishment MWK 3,850.00 with cash cover 1.5% per 3 month or part thereof Min. K50,000 i) Establishment fee for Guarantees by Bank 2.% per 6 months, min MWK56,000 1). Eazysave monthly fees Free 5). ATM Balance enquiry NATSWITCH MWK 150.00 ii). Processing (internal) MWK 3,000.00 iii) Swift charge on LC establishment MWK 42,600.00 ii) Extension of Guarantee As aplicable to Issuance. 2). Youth Savings monthly fees Free 6). ATM cash transaction NATSWITCH MWK 450.00 iii). processing insurance companies premiums 3% of total amount, deducted from iv) LC ammendment fee MWK 42,300.00 (Processing fee for Issuance = 2% Min MK46,000 3). Eazy Alimi monthly fees Free 7). ATM Balance enquiry( international) $2.00 aggregate amount, Min MWK3000 per transaction v) Accepted draft 1% per month min MWK30,000 iii) Shipping Guarantee 2.% per 6 months, Min K55,000 4). Senior Savers Monthly fees Free 8). PIN Mailer Reproduction/ E-Pin reset MWK 2,000.00 iv). processing for other banks (per transaction) MWK 4,600.00 vi) Swift on ammendment MWK 31,500.00 iv) Bonds/other Guarantees 2% per 6 months, Min K53,000 5). Student Account monthly fees Free 9). ATM Balance Inquiry (NBS ATMs) MWK 125.00 v). Reversal of not provided for (NPF) Loans /insurance premiums (per reversal) MWK 60,500.00 vii) Lc extension fee 1% per month or part thereof for LCs v) Advance working Capital Bonds/ Performance Bonds 2.15% per 6 months, K69,500 6). Illovo staff monthly fees Free 10). ATM Ministatement MWK 300.00 vi). Standing order ammendment MWK 3,000.00 without cash upfront min K40,250 vi) Guarantees executed under company seal 2.15% per 6 months, K69,500 7). Forex purchase Free 11). NBS ATM decline due to insufficient funds MWK 100.00 vii). Direct Debits within the bank per debit MWK 600.00 viii) Drawing 1.15% min MWK23,000, max MWK46,000 vii) Guarantee commitment fee 0.65% min K55,000 8). Third party cheque encashment Free viii) Foreign Guarantee Issued 2% flat 9). Cheque deposit local Free POINT OF SALE TRANSACTIONS(DEBIT CARDS) SAFE CUSTODY LETTER OF CREDIT- INWARD 10). Cash Deposit at Bank Pafupi Free 1). Point of sale transactions local Free i). Open Packet bi annual MWK 32,000.00 i) Processing commission 1.15% min MWK28,500 Sundry Charges 2). Point of sale transactions international Free ii). Sealed Packet bi annual MWK 35,000.00 ii)Advising/ ammendment MWK 43,200.00 1). Transfer between two Accounts within NBS Bank MWK 3,500.00 3). Online transactions MWK 1,500.00 iii). Small Deed Box bi annual MWK 37,000.00 iii)Negotiation 1.15% min MWK26,200 2). Sweeping establishment fee MWK 41,500.00 Free Digital Services Free iv). Large Deed Box bi annual MWK 51,000.00 iv)Cancellation MWK 41,300.00 3). Sweeping charge per sweep per account MWK 2,000.00 11). Smart app (Free balance inquiry, monthly fees, funds transfer) Free VISA TRANSACTIONS v). Inspection per inspection MWK 15,500.00 v)Discrepant documents MWK 30,400.00 12). Eazymobile 322 funds transfer Free vi). Wills held on behalf of customers bi annual MWK 19,500.00 vi) Courier Service courier rate after surtax plus 30% 4). Statement e-mailer 13). Corporate Internet Banking Free Visa Debit Card Charges vii) Confirmation 1.1% min MWK36,300 i) Statement e-mailer -once off Free 14). Cardless, EazyAp, Eazy mobile, SMS Alert for students Free 1). Visa Red New card MWK 7,000.00 EXCHANGE CONTROL viii) Swift MWK 32,500.00 ii)Statement e-mailer- Monthly charge for weekly statement Free 15). Statement emailer Free 2). Visa Red Monthly Fees MWK 550.00 i). Application-Local MWK 6,000.00 ix) Accepted draft MWK 27,500.00 iii) Statement e-mailer-Monthly per occurrence Free 16). ATM Cashwithdrawal, EazyApp, Eazymobile, SMS alarts for bundled customers Free 3). Visa Silver Card MWK 10,000.00 ii). Application-RBM MWK 23,000.00 v) Statement e-mailer-Monthly charge for daily statement Free 17). Point of sale transactions local Free 4). Visa Silver Monthly Fees MWK 600.00 iii). CD 1 forms customer processed MWK 36,000.00 FCDAs 18). Point of sale transactions international Free 5). Visa Gold New Card MWK 15,000.00 iv). CD 1 Forms Bank processed MWK 10,500.00 i) Transfer from FCDA to MWK account of another bank 1.15% min K5000, Max K29,900 5). Processing of salaries 6). Visa Gold Monthly Fees MWK 700.00 - transfer up to 3pm MWK 13,500.00 i) Salary Processing Fees-Manual per credit MWK 3,800.00 CURRENT ACCOUNTS 7). Visa Platinum New Card MWK 18,000.00 FOREIGN NOTES SALES & PURCHASES - transfer after 3pm MWK 34,500.00 ii) Salary Processing Fees- Electronic per credit MWK 750.00 1). Cheque Books 8). Visa Platinum Monthly fees MWK 800.00 i). Foreign Notes sales 1.15% min MWK5,000, Max MWK50,000 ii) Payment via SWIFT from Vostro account 1.2% min MWK3,960 max MWK24,000 iii) Allowance processing MWK 750.00 a) 50 pages silver MWK 10,500.00 ii). Sales Against FCDA Balances transfer to other banks 1.15% Flat iii) Transfer from FCDA to current account b) 50 pages Gold MWK 11,300.00 Visa Gold Credit Card iii). Foreign notes Purchase free maintained within NBS Bank free 6). Recalled salary c) 50 pages platinum MWK 12,000.00 1). New card MWK 44,400.00 iv) Transfer from FCDA to another bank in foreign currency other transactions USD38/transfer Recalled salary within NBS Bank MWK 5,500.00 d) 100 Pages MWK 24,200.00 2). Renewal MWK 44,400.00 MULTI-CURRENCY CASH PASSPORT CARD v) Transfer from FCDA to another bank processing salary USD9/employee e) 200 pages MWK 45,600.00 3). Annual fees MWK 22,200.00 i). Commission on FCY sale 1.5% min K5400 vi) Dishonoured Foreign cheque USD 66 plus agent bank charges 7). Tobacco proceeds 2). Account statement charge per page MWK 5,000.00 4). Late payment penalties(USD) MWK 37,000.00 ii). New Card Cost( Once off) $15.00 vii) Returning Funds $48.00 i) Tobacco proceeds processing fee per entry MWK 2,500.00 3). Dishonoured cheques MWK 75,300.00 5). Over limit fees MWK 37,000.00 iii). Purchase 1.2% min K3900. viii) Swift message $36.00 ii) Tobacco proceeds stop order fee MWK 1,700.00 4). Account closure within 6 months fees MWK 8,500.00 6). Pin mailer reproduction MWK 3,700.00 iv). Additional card fee(MasterCard) $5.00 ix) Postage on Foreign cheque deposited to FCDA $34.00 iii) Account number confirmation to AHL MWK 500.00 5). Monthly Service Fee 7). International ATM withdrawal MWK 4,500.00 v). Reload fee(MasterCard) USD2/EUR2.5% x) Certificate of Balances $43.00 8). Replacement of Lost or Stolen Bank Cheque MWK 26,400.00 a) Silver Current Account bundled MWK 4,500.00 8). ATM Cash withdrawal Domestic MWK 1,500.00 xi) Copy Statement-per page same year $23.00 9). Identification Letter to Bank MWK 22,500.00 b) Silver Current Account unbundled average minimum balance of K20,000 or penalty DRAFTS AND TRANSFERS 1 to 2 years $36.00 10). Request to Investigate a Transaction charge of K3,500 2 to 7 years $60.00 USSD 1). Local -Outward i) Transaction investigation Less than 6 months MWK 14,500.00 c) Gold Current Account bundle MWK 11,000.00 SMS Alerts Monthly Fees For unbundled MWK 850.00 a) Commission( to any bank within Malawi other than NBS) 1.5% min K5,000 max K20,000 xii) Investigating beyond 6 months $74.00 ii) Transaction investigation Beyond 6 months MWK 27,800.00 d) Platinum Current Bundle MWK 19,000.00 b) ATS Transfer to banks within Malawi up to 15:00 hrs 1.5% min K5,000 max K20,000 xiii) Account closure fee $42.00 11). Certificate of Balance MWK 32,000.00 e) Micro and Small Enterprise Current Account MWK 10,000.00 EAZYMOBILE 322 c) ATS Transfer to banks within Malawi After 15:00 hrs MWK 39,600.00 12). Immediate credit (Other Banks cheque) MWK 55,200.00 f) Medium Enterprise Current Account MWK 16,500.00 Balance Enquiry MWK 100.00 2). Foreign -Outward LENDING

g) Micro and Small Enterprise Current Account bundle MWK 11,000.00 Statement MWK 100.00 a) Commission on Fcy Payment 1.2% min. K9,000 Max. K36,000 1). Mortgage Other fees 13). Confidential Report h) Medium Enterprise Current Account bundle MWK 19,500.00 Intra-Bank Transfer Free b) Swift charge MWK 21,000.00 i) Early Mortgage Redemption fee MWK 25,800.00 i) Confidential Report Local MWK 38,000.00 i) Association/ Trust/ Clubs MWK 8,000.00 Inter-Bank Transfer (from any platform) MWK 800.00 c) MT 110 MWK 11,700.00 ii) Withdrawal of Approved Loan MWK 34,500.00 ii) Confidential Report foreign MWK 47,000.00 j) Corporate Current Account MWK 20,000.00 Cardless Withdrawal MWK 150.00 d) MT 112 MWK 11,700.00 iii) Title Deed Photocopy MWK 20,700.00 14). Unclaimed balance processing from RBM books per drawing MWK 15,000.00 6). Special Presentation/clearance charges MWK 86,500.00 Push to NBS Wallet Free 3). Foreign- Inward iv) Mortgage Loan Statement fee MWK 4,800.00 MWK 9,000.00 7). Stop Payment MWK 60,000.00 Push to Airtel Money/TNM Mpamba MWK 500.00 Commission - local 1.3% min. K4,500. Max K24,000 v) Internal Property Valuation fee 1.5% Min. K69,000 15). Unclaimed balances in service centre book 16). Treasury Bill Settlement MWK 11,500.00 8). Counter Cheque MWK 9,000.00 4). Drafts and cheques vi) Bank undertaking MWK 21,500.00 17). Special letters to Board of Registration of Contractors MWK 38,500.00 9). Bank Cheque issued MWK 24,000.00 EAZYAPP a) Commission on fcy chq deposit 1.3% min. K4,500. Max K24,000 vii) Balance Confirmation MWK 17,250.00 10). Same day value other banks cheque MWK 40,000.00 Balance Enquiry free b) Commission on FCY draft issued 2.5% min K8,600. Max K36,000 viii) Consent to Create Second Charge MWK 21,300.00 18). Change transaction (for non customers) 1.15% min MWK4,600 11). Bank cheque Cancellation MWK 12,500.00 Statement free c) Postage on FCY draft MWK 4,200.00 ix) Redemption Statement free 19). Reference letter MWK 29,000.00 Intra-Bank Transfer free d) Draft cancellation fee MWK 12,850.00 x) Loan Rescheduling with Arrears fee 2.5% of total loan, Min. MWK50,000.00 20). Bank Reference International MWK 42,300.00

TRANSACTIONAL ACCOUNTS -INDIVIDUALS Inter-Bank Transfer (from any platform) MWK 800.00 e) Commission on draft repurchased 3% min. K5000 xi) Loan Rescheduling without arrears capitalisation fee MWK41,400 flat 21). Status Report 1). Monthly Service Fee Cardless Withdrawal MWK 150.00 f) Commission on reissued draft 2% xii) Home loan Dishonoured cheque/standing instruction/debit order MWK 25,500.00 i) Status Report local MWK 39,000.00 a) EazyTransact Accounts Bundled MWK 2,500.00 Push to NBS Wallet free xiii) Mortgage Statement for Tax purposes fee MWK 13,800.00 ii) Status Report Foreign MWK 60,000.00 b) EazyTransact Accounts unbundled Minimum Balance K5,000 or violation attracts Push to Airtel Money/TNM Mpamba MWK 500.00 BILLS xiv) Account Reconcilition beyond 6 months/ and every year there after MWK 48,300.00 K600 charge 1). Bills for Collection- Foreign c) Eazysave Transactional Savings Accounts bundled MWK 2,500.00 EAZYONLINE PERSONAL i) Commission on FIBC 1.2% min. MWK23,100, Max MWK45,000 2). Processing fees 22). CRB Reports(Comprehensive) d) Eazy Alimi Transactional Accounts bundled MWK 2,500.00 Balance Enquiry FREE ii) Commission on clean bill 1.2% min. MWK23,100, Max MWK45,000 i) Residential Mortgage loans 2% min MWK80,000 i. Company report MWK 18,975.00 e) Senior Transactional Savings Accounts bundled MWK 2,500.00 Statement FREE iii) Swift Charge on FIBC MWK 35,200.00 ii) Commercial Mortgage loans 2% min MWK80,000 ii. Business report MWK 17,250.00 2). Account statement charge per page MWK 5,000.00 Intra-Bank Transfer FREE iv) Postage on FIBC MWK 23,500.00 iii) Personal loans 2% min MWK22,000 iii. Individual report MWK 16,500.00 3). Account closure within 6 months MWK 8,500.00 Inter-Bank Transfer (from any platform) MWK 800.00 v) courier charge on FIBC Courier rate plus vat plus 50% iv) EGL 2% min MWK22,000 iv. Credit history report MWK 2,550.00 4). Balance enquiry on enquiries desk MWK 250.00 Cardless Withdrawal MWK 400.00 vi) Stamp duty on FIBC as per stamp act v) Payday loan processing fees K7,000 loans less than K100,000 and 4% min CIT Charge as per provider invoice 5). Over the counter charge for cashing less than K220,000 MWK 650.00 Push to NBS Wallet FREE vii) Extension of FIBC MWK 28,400.00 K12,000 for loans more than K100,000 23). Search fee for copies of deposit/ withdrawal slips per slip MWK 5,500.00 Push to Airtel Money/TNM Mpamba MWK 500.00 viii) Stop payment on FIBC MWK 47,500.00 vi)Payday loan Penalty charge Base+10% 24). CCTV Investigation MWK 57,000.00 SME TRANSACTIONAL SAVINGS ACCOUNT ix) Unpaid FIBC fee MWK 47,500.00 vii)Kuwala Energy Finance processing fees 2% min MWK22,000 25). Counter leaf for Admin General MWK 3,000.00 1). Monthly Service Fee EAZYONLINE CORPORATE viii) Cash covered loan 1% min MWK17,400 26). Account closure for Admin General accounts MWK 7,500.00 a) Micro and Small Enterprise Savings Accounts unbundled MWK 2,000.00 Balance Enquiry FREE 2). Bills - Shipping Documents ix) Agribusiness loan 3% min MWK63,500 27). Immediate cash withdrawal for amounts more than K1,000,000 1% of amount Max K50,000 b) Medium Enterprise Savings Accounts unbundled MWK 3,700.00 Statement FREE i) Composite bills of lading requiring release 1% min K23,100, Max K45,000 x) SME Loans 2.5% min MWK63,500 28). Express service MWK 2,000.00 c) Micro and Small Enterprise Savings Accounts bundle MWK 4,500.00 Intra-Bank Transfer FREE ii)Delivery against cash deposit or written xi) Asset Finance loans- Retail 2.5% min MWK63,500 d) Medium Enterprise Savings Accounts bundle MWK 6,000.00 Inter-Bank Transfer (from any platform) MWK 600.00 undertaking to pay 1% min K23,100, Max K45,000 xii) Business loans 2.5% min MWK63,500 BANCASSURANCE 2). Account statement charge per page MWK 5,000.00 Bulk Processing (per transaction) MWK 500.00 iii) Bonding / Release 1% min K23,100, Max K45,000 xiii) Corporate loans 2.5% min MWK82,800 3). Account closure within 6 months fees MWK 8,500.00 Cardless Withdrawal MWK 400.00 iv) Customs bank release (Customs Clearing Certificate) MWK 25,500.00 xv) Retail Overdraft 2.5% min MWK45,000 UFULU MEDICAL AND FUNERAL COVER 4). Balance enquiry on enquiries desk MWK 250.00 Push to NBS Wallet FREE v) Documents returned to Principal MWK 34,200.00 - Platinum Overdraft 2.5% min MWK54,500 i) Medical and funeral Cover 700.00 5). Mzati Account MWK 1,400.00 Push to Airtel Money/TNM Mpamba MWK 500.00 vi) Delivery to consignees - unaccompanied bills 1.15% min K22,000, Max K48,000 - Gold Overdraft 2.5% min MWK54,500 ii) Gold Ufulu Funeral Cover 2,500.00 xvi) Business Overdraft 2.5% min MWK70,000 iii) Platinum Funeral Cover 4,800.00 FIXED DEPOSITS/INVESTMENTS EAZYWALLET 3). BILL CHARGES- SUNDRY xvii)Corporate Overdraft 2.5% min MWK86,900 1). Early cancellation 40% of earned interest, Balance Enquiry MWK 100.00 i) Commission on delayed acceptance on FIBC per week MWK31,250 per week xviii) Asset Finance Corporate 2.5% min MWK86,900 BANK PAFUPI 2). Fixed Deposit lost certificate 3,500.00 Statement MWK 200.00 ii) Payment to Local Third Party 1% min, MWK15,950 Max K28,275 xix) Order Finance Corporate 2.5% min MWK86,950 Price Band 3). Withdrawal without notice 40% of earned interest, Intra-Bank Transfer MWK 200.00 iii) Noting USD 94 plus costs (recovered from remitting bank xx) Insurance Premium Financing 2% min MWK38,000 Withdrawal Inter-Bank Transfer (from any platform) MWK 950.00 iii) Release of parcel slip per release MWK 25,300.00 xxi) Disbursement Fees 0.5% of loan i) 500-5000 150.00 DIGITAL SERVICES Cardless Withdrawal MWK 500.00 xxii) Unpaid loan Effective rate plus 10% ii) 5001-10000 300.00 ATM TRANSACTIONS Push to NBS Wallet FREE LETTER OF CREDIT- OUTWARD 3) Unarranged Overdraft Charge K66,000 +excess overdraft interest rate iii) 10001-15000 580.00 1). ATM Withdrawal Fee( NBS ATMs) MWK 300.00 Push to Airtel Money/TNM Mpamba MWK 650.00 i) Establishment comm on LC 4) Excess Overdraft interest Rate Effective rate plus 10% iv)15001-40000 980.00 2). ATM Cash withdrawal (International transaction) $6.00 without cash cover 1.5% per month or part thereof, min MWK50,000 v) 40000-Above 1,450.00