Tariff of Charges FIRST

Tariff of Charges FIRST

QNB First Membership QNB First Membership QNB First - Premium (Debit Card) QNB First - World Card (Debit & Credit Card*) *subject to the Bank's Terms and Conditions Accounts Local Currency: Current Account: Subject to prevailing terms and conditions on balance criteria (Minimum monthly average balance KD 3000/- Savings Account: Minimum monthly average balance KD 300/- Savings Plus Account: Minimum monthly average balance KD 500/- Minor Affairs Account: Minimum monthly average of KD 300/- Local and other Currencies KD, EURO, USD, STG Call Account: Minimum monthly average balance KD 10,000/- Failing below the required minimum aver age balance for all above accounts Fixed Deposit Account: Minumum opening balance KD 5,000/- Breaking of fixed deposit prior maturity Less than 1 month: No deduction from principal and 0% payable interest to the member. Over 1 month: No deduction from principal and interest will be paid at the applicable rate of the revised deposit term. Cheque Book Issuance Issuance of QNB Cheque Book Cheque Book Uncollected after one month KD 3/- Slip Withdrawal at Counter Slip Withdrawal at Counter (for Saving Plus account)

Statement Copy (Account & Credit Cards) Statement sent regularly to customers Statement copy at the branch Certified statement other than regular KD 3/- per monthly statement Account statement for 1-5 years KD 5/- per monthly statement Account statement for more that 5 years KD 10/- per monthly statement Deposit / Withdrawals Deposit Slip Deposit / Withdrawals in all foreign currencies 05% Minumum KD 3/- Account Closure - Current & Savings Account older than one year Account less than 6 months old KD 2/- Dormant Account Dormant account (Reactive the account) KD 2/- Utility Payments Direct debit set up fees through account or QNB First credit card Modify service to direct debit Utility payment at teller Debit Cards QNB First debit card annual fee QNB First debit card replacement QNB First debit card replacement with name Re-issuance of PIN ATM Cash Withdrawals: QNB Kuwait Network and K-Net 2% per transaction GCC Countries from withdrawals amount 1% per transaction International network from withdrawals amount LOANS Management fee Early settlement fee Top up fee Loan re-scheduling fee Postponement of an installment fee

Cheques Collection of KD Cheques Regular clearing - end of day Post-dated cheques KD 10/- per cheque Copy of paid cheque KD 1/- per cheque Certified Cheque KD 5/- per cheque Returned Cheques Due to insufficient funds KD 10/- Other legally acceptable reasons Collection of Foreign Currency Cheques into Account KD 7/- per cheque If proceeds are paid in KD + correspondent's If proceeds are paid to customer's foreign currency account Returned cheques Stop Payment on Lost Cheques Per cheque KD 5/- Per cheque book KD 5/- Per demand draft KD 5/- Standing Orders 0.003% of cheq value Min KD 7/- per cheque + mail charge + correspondent's +1/4 % from the amount in FC KD 5/- per cheque + correspondent's Setting up and amending an automated Standing orders Transfers to other banks in Kuwait in KD Balance / sweep orders Standing orders between QNB accounts KD 2/- Remittance (excluding charities) KD 2/- per month Money Transfers Inward Remittances If credited to beneficiary's QNB First account Payment in foreign currency notes KD 5/-

Outward Remittances Outward remittances or payments credited to other banks in foreign notes 0.50% exchange commission (mini KD 3/- Max KD 100/-) + SWIFT Demand draft / pay orders KD 5/- Cancellation of Demand Draft KD 5/- International Transfers USA, Europe, Far East, Asia KD 10/- per transfer GCC & Middle East KD 7/- per transfer Local Transfers Transfer to other banks in Kuwait in KD (free if transferred to charities) KD 1/- Credit Card Type QNB First - World Card (Credit Card) Annual Fees Supplementary QNB First credit card Annual Fee Card Replacement Fee Late Payment Fee KD 10/- As per Central Bank Retail Interest Rate of Kuwait instruction Cash Advance Fee 4% 1% for GCC + USD / Currency Conversion Fee 2.5% for Euro + STG / 3% other currencies Personal Accident Insurance Travel Inconvenience Insurance Purchase Protection QNB Mobile SMS QNB E-statement QNB Mobile Enquiry Fee on the temporarily increase of the approved limit of CC KD 10

E-Banking Services Internet Banking & Phone Banking Registration Enquires on account balance and transactions Enquires on credit card accounts Ordering cheque book Ordering account statement (full or mini) Funds transfer between QNB accounts Travel inconvenience insurance Funds transfer to another bank account (local or international) Utility bills and credit card payments Add/ modify service to direct debit General information Interest rate information SMS/QNB Alerts Push and pull * Excluding telecom provider charge for full pull services Miscellaneous Audit confirmation letter Interest certificate Verification signature Balance certificate / no liability letters / other letters issued at the request of the customer KD 1/- local or KD 5/- International * KD 5/- per item Tel. (+965) 2226 7000 or Visit www.qnb.com.qa/qnbfirstkuwait