Account Services. Service and Price Guide with effect from Advantage Account 3,000 10,000 N/A. Business Finance Account 25,000 10,000 N/A

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1 Account Services Minimum Average Credit Balance AED USD GBP/EUR Advantage Account 3,000 10,000 N/A Business Finance Account 25,000 10,000 N/A Current Account - Personal 3,000 5,000 5,000 Current Account - Company 25,000 10,000 10,000 Jood Savings Account* 3,000 N/A N/A Savings Account* 3,000 5,000 10,000 Call Deposit Account - Personal 3,000 10,000 10,000 Call Deposit Account - Company 25,000 10,000 10,000 Term Investment Deposits Account 25,000 10,000 10,000 Term Investment Deposit - Early Redemption The applicable deposit weightage will be reduced by 50% to the nearest term for which the deposit has run. Fawrun Term Deposit 100,000 N/A N/A Monthly charges for not maintaining minimum average balance per month Advantage Account N/A Business Finance Account - Company 50**** 50**** N/A**** Current Account - Personal Current Account - Company 50**** 50**** 50**** Jood Savings Account* 25 N/A N/A Savings Account* Call Deposit Account - Personal Call Deposit Account - Company *No minimum balance is required for the first 3 months for Savings Account Minimum balance required for a Private Banking relationship is AED 3,500,000 or USD 1,000,000 Minimum balance required for Premium Banking relationship is AED 250,000 (For additional details on eligibility criteria please call or visit Minimum balance required for RAKselect banking relationship is AED 100,000 or USD 30,000 Minimum balance required for RAKprime banking relationship is AED 50,000 or USD 15,000 **** Minimum monthly average credit balance of AED 25,000 required to be maintained across all accounts in different currencies to avoid monthly charges of AED 50 or equivalent for not maintaining average balance per month. No charge for new to bank customers for first 3 months. Page 1 of 5

2 Account Services (cont.) Other Services Teller Transaction Fee (Business Current Account & Business Finance Account)* Transactions / Month 0 to 5 6 to 20 >= 21 Wealth Free 10 per transaction 10 per transaction 25 per transaction 25 per transaction *Minimum monthly average credit balance of AED 100,000 required to be maintained at account level to avoid Teller Transaction Fee. No charge for new to bank customers for first 3 months. Cheque Book Issuance (Business Current Account & Business Finance Account)* First cheque book Second cheque book (per leaf) *Minimum monthly average credit balance of AED 100,000 required to be maintained at account level to avoid Cheque Book Issuance Fee. No charge for new to bank customers for first 3 months. Nil 1 Nil 1 Request for e-statement Nil Nil Request for physical statement delivery 5 per statement**** 10 per statement*** ***Minimum monthly average credit balance of AED 100,000 required to be maintained at account level to avoid Physical Statement Delivery Fee. ****This is with effect from 1 Dec 2016 Closing account within 1 year - Personal Closing account within 6 months - Business Cheque book - Personal* 25 Free (1st Cheque Book of 25 leaves - Free) Cheque book - Company* 50 Free Hold Mail facility 1,000 Annually 1,000 Annually Certificate for Trade License** Valid Trade License not provided for more than 30 days after expiry of existing 250 Monthly 250 Monthly Account Balance Certificate - Company Account Balance Certificate - Personal Liability Certificate For banking customers - Personal For banking customers - Company For non-banking customers 100 N/A No Liability Certificate Audit Confirmation Report Financial / Reference / Letter for Real Estate Page 2 of 5

3 Account Services (cont.) Wealth Duplicate Statement - Personal Previous cycle Statement 25 Free Prior to previous cycle 25*** 25*** Duplicate Statement - Company Previous cycle Statement 50 Free Within 12 months prior to previous cycle 150*** 100*** Beyond a year from previous cycle 200*** 200*** Copies of Cheques - Personal Up to 3 months old (per item) Over 3-12 months old (per item) Over 1 year old (per item) Copies of Cheques - Company Up to 3 months old (per item) Over 3-12 months old (per item) Over 1 year old (per item) Copies of letters/other documents/investigations - Personal/Company Up to 3 months old (per item) Over 3-12 months old (per item) Over 1 year old (per item) Post-dated Cheques held for collection (per item) Withdrawal / delayed presentation of Post-dated Cheques held for collection (per item) Dormant Account Charges**** Personal Free Free Company 100 Annually 100 Annually Online Banking Charges Retail login Free Free Corporate login Reissuance of Token for Corporate login Standing Orders Set-up 25 25* Cancellation of Standing Order 25 25* Minor's account by debit of guardian's account Free Free Amendment 15 15* Page 3 of 5

4 Account Services (cont.) Wealth Balance Orders Set-up 25 Free Cancellation of Balance Orders 25 Free Minor's account by debit of guardian's account Free Free Amendment 15 Free Charges for failure of Standing Orders due to lack of funds Personal Company Charge towards approved charity payment Free Free Direct Debit Instruction Charges Registration of Direct Debit Charges for failure of Direct Debit Authority due to lack of funds (Paying bank) Personal Company Stop payment of Direct Debit Authority Finance, Credit Cards and Other lending products* Nil Nil Other cancellations Nil Nil *Note: This cannot be cancelled without the originator bank's confirmation WPS In house 25 Per file 25 Per file Outward Records < = Per file 50 Per file Records > 100 and < = Per file 100 Per file Records > 300 and < = Per file 150 Per file Records > 600 and < = Per file 200 Per file Inward Free Free Page 4 of 5

5 Wealth Drafts / Manager s Cheques Account Holders Cancellation fee 100* 100* * Plus SWIFT/Telex and other bank charges. Cheques for collection payable within UAE Cheques for collection payable overseas / payable by us 0.125% (Min. 100, Max. 1000)* *Plus correspondent bank and courier charges, if any. For any USD collection cheque, the correspondent bank charges are approximately USD 200/- Cheques for collection returned unpaid 100* 100* *Plus correspondent bank and courier charges, if any. Electronic Fund Transfers Inward Dirham Payments within UAE- Personal/Company AED 1* AED 1* In USD (paid in USD) USD 5* Free In foreign currency (paid in AED) AED 20* Free In foreign currency (paid in foreign currency) AED 20* Free *Free for inward EFT representing Salary/EOSB/Pension/Allowances. Electronic Fund Transfers - Outward Through Online/Mobile Banking Dirham Payments within UAE-Personal Dirham Payments within UAE-Company 1* 15* 1* 15* Dirham payments outside UAE and foreign currency payments within/outside UAE 30** 30** Through Branches Dirham Payments within UAE-Personal Dirham Payments within UAE-Company Remittances Service and Price Guide with effect from 27 th December * 25* 5* 25* Dirham payments outside UAE and foreign currency payments within/outside UAE 75** 50** INR Payments to India via RAKMoneyTransfer (Through Online/Branches) Transfers equal to or below AED Transfers above AED (Additional charges may apply for cancelation/stop payment/recall/reject/return) *Plus additional charge of AED 1 for outward EFT within UAE (including standing instructions), other than Salary/EOSB/Pension/Allowances where all charges are to remitter s account. **Plus beneficiary bank charges, if any (including standing instructions). Additional charges will apply where payment is to be sent with charges on remitter depending on the country/ currency of payment. Amendment /Cancellation/Fate enquiry of Electronic Fund Transfer Account Holders 50* 25* *Plus overseas bank charges, if any. Foreign Currency Notes Debit or credit account in same currency In USD 2% 1.5% In other currencies (GBP or EURO) 2% 1.5%

6 Debit Card Service and Price Guide with effect from 15 th December 2016 Subscription Fee No Charges Card Replacement Fee AED 25 PIN Reissue/Replacement Fee AED 25 Cash Withdrawal at RAKBANK ATMs No charges Cash Withdrawal at UAE Switch ATMs AED 2 Cash Withdrawal at GCC Switch ATMs AED 6 Cash Withdrawal at MasterCard ATMs Worldwide (other than GCC Switch ATMs) Balance Enquiry at RAKBANK ATMs AED 20 No Charges Balance Enquiry at UAE Switch ATMs AED 1 Balance Enquiry at GCC Switch ATMs/ AED 3 MasterCard ATMs Worldwide Declined Transaction Charges AED 1 Currency Conversion Fees* 1.75 % of Transaction Amount Sales Voucher Copy Fee AED 25 International Courier Charges AED 100 e-statement Fee Printed statement Delivery Fee Nil 5 per statement * This fee is charged in addition to the standard processing fee charged by Mastercard Worldwide and is applicable to transactions performed in any currency other than UAE Dirhams.