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PUBLIC BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

CHARGES OF FRONTLINE OPERATIONS Remarks

DBU DBU FCY / (in Rs.) FCBU (in USD)

1 Monthly Service Charges for Accounts

a) Personal Current Accounts (avg bal.

b) Business Current Accounts (avg bal.

a) Counter Cheque Leaves Chg Rs.100 N/A Applicable VAT Charges

b) Small ( 25 Leaves) Rs.375 N/A Applicable VAT Charges

b) Large ( 50 leaves) Rs.750 N/A Applicable VAT Charges Applicable VAT Charges + c) Printing of Specially Designed Leaves -New Rs. 15 per leaf N/A Cost of Artwork is involved DBU DBU FCY / 4 Stop Payment of Cheque - Handling Charges (in Rs.) FCBU (in USD) a) With adequate funds 500 N/A

b) Without adequate funds Rs.2000 N/A

c) If entire cheque book or unused part Rs.2500 N/A

5 Outward Cheque Returns - Charges

a) For inadequate funds Rs.2000 N/A

b) Technical Reasons Rs.250 N/A When paying c) Referral charge - When Paying the A/C is above the Rs.200 N/A without adequate funds in limit the client A/Cs 6 Post-dated Cheques - Handling Charges Rs.10 per chq N/A On 3rd Party CHQS PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) 7 Issue of Banker's Cheques - Charges

a) Account Holder Rs.500 N/A

b) Non Customers Rs.1000 N/A

c) Banker's Cheques Cancellation Charges Rs.500 N/A

8 Standing Orders - Charges

a) Setting- up Charges Rs.500 $5

b) Transfer to Accounts at PB No Charges No Charges

d) Transfer through SLIPS Rs.250 N/A e) Non execution of a Standing Order due to lack of Rs. 250 $3 funds 9 Cheques Marked for Payment - Handling Charges

a) On our customers account (Inward ) Rs.2000 N/A

b) At the request of our customers (Outward) Rs.2000 N/A

10 Charges on SLIPS Transfer Rs.150 N/A

11 Service Charges on RTGS Transfer

a) On our customer's account Rs.1000 $8

b) Settlements to other customers Rs.1500 $25

12 Statements of Accounts (additional)

a) Within 12 months- per statement Rs.100 $1

b) Beyond 12 months - per statement Rs.250 $3

c) Temporary Statements - per statement. Rs.100 $1 PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / 13 Statement Generation - Charges (in Rs.) FCBU (in USD) a) Monthly N/A N/A

b) Weekly Rs. 750 $7

c) Daily Rs.1000 $10

d) Adhoc Basis Rs.100 $1

14 Salary Transfers - Handling Charges

A) Bulk Salary Remittances - Handling Charges Rs. 2500 $25

a) Effect through SLIPS Rs. 150 N/A

b) Effect through Banker's Cheque Rs. 150 N/A

15 Issue of duplicate advices Rs. 100 $10

16 Closing of Account - Handling Charges

a) (If closed within 6 months) Rs.500 $5

b) Current Account Rs.500 $5

c) DBU FCY / FCBU Accounts $5 $5

17 Balance Confirmation Charges

a) Bank Format / Visa purposes Rs.750 $10

b) Auditors Format Rs.1500 $20

18 Investigation Charges

a) Queries on transactions done within 12 months Rs. 250 $5

b) Queries on transactions done beyond 12 months Rs.1000 $10

c) Tracking Outward Remittance in dispute Rs. 1500 $15

19 Domestic Cheques Purchase - Banker's Cheques

0.5% flat Min Rs. a) Rupee source N/A 1000/- PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) 20 Foreign Currency Notes Encashment (Account Credited)

a) In Rupees No Charges No Charges

a) In Foreign Currency N/A N/A

Foreign Currency Notes Encashment (Non Customers) N/A N/A

21 Outward Remittances

+ Commission in lieu of a) Rupee based Rs.2750 N/A Exchange Loss : $ 25 If Corresponding Bank charges are on ordering b) FCY based N/A $30 customer, an additional Rs. 2500 or $ 30 to be taken

c) Telegraph Transfer (Non Customers) Rs.3750 $40

22 Issue of Demand Drafts (Customers)

a) Rupee based Rs. 750 N/A

b) FCY based N/A $10

c) Issue of Demand Drafts (Non customers) Rs. 1500 $15 d) Stop Payment/Cancellation of Demand Drafts - Rs. 1500 N/A Rupee based e) Stop Payment/Cancellation of Demand Drafts - N/A $25 FCY based 23 Inward Remittances

a) Rupee based N/A N/A

b) FCY based N/A $5

c) Payment by Draft / Banker's Cheques (Non Rs.500 $10 Customers) c) Telegraph Transfer (Non Customers) - pay cash Rs.2500 $25 From PBB - KL over the counter Drafts/Cheques/Money Orders deposited to the 24 account for Collection a) Rupee based Rs. 400 N/A

b) FCY based N/A $5 PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) c) Immediate Credit /Purchased (Without limit) Arranged

Drawn on Banks in / Banks 1) Rupee based 0.25% / 0.5 % N/A outside, Sri Lanka Drawn on Banks in / Banks 2) FCY based - Drafts Drawn by a Bank outside S.L. N/A 0.25% / 0.5 % outside, Sri Lanka 3) Min. Charges Rs.1000 $10

TRADE FINANCE RELATED CHARGES

Current Tariff Pricing Remarks DBU DBU FCY / (in Rs.) FCBU (in USD) 25 LETTERS OF CREDIT (IMPORTS)

A) LC ISSUING COMMISSION

1) SIGHT AND USANCE L/C

UP TO 03 MONTHS 0.25% 0.25% UP TO 03 MONTHS FOR EACH ADDITIONAL 03 MONTHS OR PART 0.125% 0.125% THERE OF FOR EATCH ADDITIONAL 03 MONTHS OR PART THERE OF MINIMUM LKR 2,500.00 $ 30.00 MINIMUM SWIFT CHARGES LKR 2,500.00 $ 30.00 SWIFT CHARGES B) AMENDMENTS

1) EXTENTIONS / ENHANCEMENTS

EXTENTIONS WITHIN SAME QUARTER LKR 1,500.00 $ 20.00

FOR EACH ADDITIONAL 03 MONTHS OR PART THERE OF 0.125% 0.125%

ENHANCEMENTS UP TO 03 MONTHS 2) 0.25% 0.25% FOR EACH ADDITIONAL 03 MONTHS OR PART THERE OF 0.125% 0.125%

MINIMUM LKR 2,500.00 $ 30.00

3) OTHER AMENDMENTS

COMMISSION LKR 1,500.00 $ 20.00 PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) 26 DOCUMANTARY BILLS

A) SIGHT BILLS

COMMISSION LKR 1,500.00 $ 20.00

B) USANCE BILLS

1) ACCEPTANCE COMMISSION

UP TO 03 MONTHS 0.25% 0.25%

FOR EACH ADDITIONAL 03 MONTHS OR PART THERE OF 0.125% 0.125%

MINIMUM LKR 2,500.00 $ 30.00 C) ON OVERDUE IMPORT BILLS

Applicable Int. Applicable Int. 1) FACILITY CUSTOMERS Rate + 3% Rate + 3% 2) NON FACILITY CUSTOMERS Applicable To Date

27 SHIPPING GUARANTEES (SG)

A) COMMISSION - ON INVOICE VALUE 0.25% 0.25%

MINIMUM LKR 3,000.00 $ 40.00

B) IF THE SG IS NOT CANCELLED WITHIN ONE MONTH

CHARGES PER EACH ADDITIONAL MONTH LKR 2,000.00 $ 25.00

28 DELIVERY ORDERS / COPY DOCUMENTS

COMMISSION LKR 3,000.00 $ 40.00

29 DOCUMENTARY COLLECTION

A) DOCUMENTS AGAINST PAYMENT (DP)

COMMISSION 0.25% 0.25% MINIMUM LKR 3,000.00 $ 30.00 PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) B) DOCUMENTS AGAINST ACCEPTANCE (DA)

COMMISSION 0.25% 0.25% MINIMUM LKR 3,000.00 $ 30.00 1) D/A OVERDUE BILLS

MONTHLY CHGS (PER BILL) LKR 2,000.00 $ 25.00

TRANSFER OF DOCUMENTS TO ANOTHER BANK LKR 4,000.00 $ 40.00 C) 30 DISCREPANCY CHGS

DISCREPANCY CHARGES (FOREIGN BILLS) $ 50.00 $ 50.00 DISCREPANCY CHARGES (LOCAL LC BILLS) LKR 5,000.00 $ 50.00

31 REIMBURSEMENT CHGS

L/C BILLS $ 50.00 $ 50.00 Deducted from the proceeds

COLLECTION BILLS $ 40.00 $ 40.00 Deducted from the proceeds

32 LETTERS OF CREDIT (EXPORTS)

A) ADVISING OF L/C'S AND AMENDMENTS

CUSTOMER LKR 2,000.00 $ 20.00

NON CUSTOMER LKR 3,000.00 $ 30.00

B) TRANSFER OF L/C'S

CUSTOMER LKR 3,500.00 $ 40.00 Per Beneficiary NON CUSTOMER LKR 5,000.00 $ 50.00 Per Beneficiary C) CONFIRMATION OF L/C'S

UP TO 03 MONTHS 0.375% 0.375%

FOR EACH ADDITIONAL MONTH 0.125% 0.125% PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD)

33 EXPORT BILLS COLLECTION

COMMISSION 0.25% 0.25% MINIMUM LKR 1,500.00 $ 20.00 34 EXPORT BILLS NEGOTIATION / PURCHASE

COMMISSION 0.3% 0.3%

MINIMUM LKR 3,000.00 $ 30.00

35 STATUS REPORT Corresponding Bank Charges + $ DRAWEE / BENEFICIARY STATUS 30

36 LETTERS OF GUARANTEE

A) BID BONDS / PERFORMANCE BONDS / ADVANCE / PAYMENT GUARANTEES / OTHERS

COMMISSION (PER ANNUM) 2%+ VAT 2%+ VAT

MINIMUM LKR 3,000.00 $ 30.00

LOANS AND ADVANCES

37 INTEREST RATES ON ADVANCES DBU FCBU

LIBOR + 2.5% A ALL DIRECT ADVANCES (OD/IF/PCL) PLR + 2% p.a p.a MINIMUM N/A 6% p.a

LIBOR + 2.5% B HOUSING PLR + 2% p.a p.a MINIMUM N/A 6% p.a

C VEHICLE LOANS PLR + 2% p.a N/A

MINIMUM PLR+1.5% p.a. N/A

DEPOSITS DEPOSITS D ALL DIRECT ADVANCES CASH BACKED FACILITIES RATE + 3% p.a RATE + 3% p.a DEPOSITS MINIMUM N/A RATE+2.5%p.a. AGAINST OTHER FOREIGN CURRENCY DEPOSITS PLR + 2% p.a N/A PUBLIC BANK BERHAD - TARIFF CHARGES EFECTIVE FROM 1st JANUARY 2015

DBU DBU FCY / (in Rs.) FCBU (in USD) 38 LOANS - PROCESSING FEES

I) NEW - GRANTINGS LKR 2500.00 CASHBACK FACILITY $ 25.00 A FLAT LKR 5000.00 B VEHICLE LOANS N/A FLAT C OTHER FACILITIES 0.1% p.a 0.1% p.a

D MINIMUM LKR 5,000.00 $ 50.00

MAXIMUM - - E II) REVIEW OF FACILITY A CASH BACKED N/A N/A

B OTHER NIL NIL

C MINIMUM NIL NIL

D MAXIMUM NIL NIL

39 LOANS - EARLY SETTLEMENT FEES 1% p.a. 1% p.a.

MISCELLANEOUS CHARGES

40 SWIFT CHARGES SWIFT COST PER MESSAGE LKR 1,500.00 $ 20.00

41 COURIER CHARGES

MINIMUM CHARGES 3500 $35

42 POSTAL CHARGES

NORMAL LKR 100.00 $ 1.00 Applicable only for REGISTERED LKR 200.00 $ 2.00 despatches made on client request. TRADE- POSTAGE LKR 250.00 $ 5.00