National Development Bank PLC TARIFF BOOKLET THE RATES AND CHARGES CONTAINED HEREIN ARE SUBJECT TO CHANGE

National Development Bank PLC TARIFF BOOKLET THE RATES AND CHARGES CONTAINED HEREIN ARE SUBJECT TO CHANGE

Contents General Information... 3 1. CURRENT ACCOUNTS (RETAIL /SME / CORPORATE)... 3 1.1 Account opening... 3 1.2 Debit Interest... 3 1.3 Service Charge... 3 1.4 Charges for closure of Current Accounts... 4 1.5 Cheques / Continuous leaves... 4 1.6 Stop Payment Charges... 4 1.7 Local Cheque Purchase commission... 4 1.8 Cheques Sent on Marked for Payment... 4 1.9 Cheque Returns... 4 2 REMITTANCES... 5 2.1 Inward Remittances... 5 2.2 Outward Remittances... 6 3 ADDITIONAL SERVICES... 7 3.1 Standing Orders (SO)... 7 3.5 Funds Transfers (manual)... 8 3.6 Sweep-In/ Out Charges... 8 3.7 Utility Bill Payments... 8 3.8 Additional Copies of Statements/ Balance Confirmations/ Other Documents... 8 3.9 Safe Deposit Lockers... 9 3.10 Special cash orders (Direct Deliveries)... 9 4 IMPORTS... 9 4.1 Issuance of Documentary credits denominated in FCY... 9 4.2 Documentary Collections... 10 P a g e 1

4.3 Additional Services- Imports... 10 5 EXPORTS... 11 5.1 Documentary Credits (Including Stand by LCs)... 11 5.2 Documentary Collections... 11 5.3 Additional Services Exports... 11 6 BANK GUARANTEES... 12 6.1 Letters of Guarantees, Bonds Etc... 12 6.2 Guarantees against Counter Guarantees... 12 6.3 Issuance of Guarantees... 12 7. PROCESSING/EARLY SETTLEMENT FEESLOANS/OVERDRAFT/LC s/gurantees FOR RETAIL & SME... 12 P a g e 2

General Information Import & Export Documents Documentary credits will be handled in terms of Uniform Customs and Practice for Documentary Credits published by International Chamber of Commerce current publication. Documentary collections will be handled in terms of Uniform rules for collections current publication. Statutory Levies Statutory levies such as Government taxes will be charged where applicable Miscellaneous Charges Additional expenses relating to transactions initiated at the request of the client such as postage, courier, telex, SWIFT, incidental expenses, other bank handling charges, etc will be charged to the client s account. Description 1. CURRENT ACCOUNTS (RETAIL /SME / CORPORATE) 1.1 Account opening (Initial Deposits) Corporate & SME accounts Individual accounts 1.2 Debit Interest Clean Excesses The prevailing OD rate will apply Charges applicable for drawings in excess of approved TOD/POD limits No intraday charges 1.3 Service Charge Minimum average monthly balance requirement LKR Current account FCBU Current Accounts (Based on each currency) Balances falling below the minimum average balance requirement LKR Current account FCBU Current Accounts (Based on each currency) LKR 50,000/- LKR 25,000/- LKR 250/- LKR 25,000/- USD 1,000/- GBP 700/- EUR 900/- CHF 900/- NZD 1,500/- JPY 120,000/- AUD 1,300/- CAD 1,300/- DKK 6,500/- CNY 6,500/- LKR 350/- USD 25/- GBP 20/- EUR 25/- CHF 25/- NZD 40/- JPY 3,000/- AUD 35/- CAD 35/- DKK 160/- CNY 160/- P a g e 3

1.4 Charges for closure of Current Accounts Voluntary closure LKR 1,000/- Bad conduct LKR 2,000/- 1.5 Cheques / Continuous leaves Cost of Cheque Books (25, 50 & 10 leaves) Continuous leaves Cost of Counter Cheque Leaf (Withdrawal Slip) Cost of Counter Cheque Leaf (Withdrawal Slip) Merit Plus Current Account ( w.e.f. 15.02.2016) 1.6 Stop Payment Charges Due to Lack of Funds (w.e.f 16.05.2016) Sufficient Funds Loss of entire chqeque book - 10 leaves - 25 leaves - 50 leaves Stop payment revocation Renewal of stop payment LKR 20/- per leaf Cost + LKR 20/- per leaf LKR 250/- per leaf LKR 3,000/- per chq LKR 500/- per chq LKR 5,000/- LKR 7,500/- LKR 10,000/- LKR 500/- 1.6.1 Stop payment of Foreign Drafts As per the drawee bank charges + LKR 1,800/- or USD 15 1.7 Local Cheque Purchase commission Min LKR 2,500/- or 0.75% Flat 1.8 Cheques Sent on Marked for Payment Sent by other Banks to NDB - No minimum value LKR 3,000/- Sent by NDB to other Banks LKR 3,500/- (Minimum amount of a cheque marked for paymentlkr500,000/-) 1.9 Cheque Returns 1.9.1 Inward cheque returns Effects Not Realized (ENR) LKR 500/- Refer to Drawer (RD) LKR 3,000/- Outward clearing cheque return charges LKR 150/- per cheque P a g e 4

1.9.2 Foreign Currency Draft / Cheques Returns USD 5 + corresponding bank charges 1.9.3 Image of a paid cheque to be given at customer s request Within 6 months More than 6 months LKR 200/- LKR 550/- 2 REMITTANCES 2.1 Inward Remittances Max. 2.1.1 Remittance in Foreign Currency (FCY) Credited to LKR /FCY accounts Corporate & SME Customers LKR 0.1% LKR 600/- LKR3,000/- FCY 0.1% USD 5 USD25 Retail Customers LKR & FCY 2.1.2 Drafts and Cheques Sent on Collection (BLOM, etc) Upto LKR 20,000 LKR 20,001 to LKR 100,000 Over LKR 100,000-0.125% 2.1.3 Local Charges for Drafts sent on collection USD to LKR USD to USD LKR 250/- Flat LKR 400/- Flat Max. LKR 600/- LKR 3,000/- LKR 500/- USD 5/- 2.1.4Cheques & Bank Drafts Purchased and Credited to Account (Retail and Corporate customers) Max. Personal LKR FCY (flat) Corporate & SME 0.125% LKR Corporate & SME 0.5% FCY LKR 1,000/-+ Stamp duty 0.125% LKR 1,000/-+ Stamp duty USD 10 LKR 4,200/-+ Stamp duty LKR 4,200/-+ Stamp duty P a g e 5

2.2 Outward Remittances 2.2.1Drafts Customers LKR 750/- Non customers LKR 1,500/- FCY Accounts USD 10 Cancellation / Re-issuance of drafts LKR 600/-+ Reissuance cost of LKR 750/- 2.2.2Pay Orders Commission - customers LKR 550/- Commission - non-customers LKR 1,000/- Cancellation or Lost - Stop Payment (Irrespective of client) LKR 550/- Flat Outward SLIPS Common electronic Funds transfer Switch (CEFTS) Through Internet banking (per transaction) Through Branches LKR 50/- LKR 50/- LKR 100/- Funds Transfer - Salaries - Manual Funds Transfer File Uploads/ Diskette Retail / SME 100/- Corporate clients to be charged LKR 150/- per txn. LKR 30/- per transaction 2.2.3 Outward Telegraphic Transfers (OTT) Max. Customers 0.125% LKR 2,000/- LKR 5,000/- FCY Accounts 0.125% RTGS USD 20 LKR 1,000/- USD 50 TT payments outside Sri Lanka from FCY or from LKR accounts 0.125%+ USD 12 or (commission +1 SWIFT message) 0.125%+LKR1250 TT payments within Sri Lanka from FCY accounts (commission + 2 SWIFT messages) 0.125% + USD 24 or 0.125%+LKR2500 2.2.4 Transmission cost per message (SWIFT cost) Brief SWIFT sent on behalf of client - Miscellaneous investigation LKR account FCY account LKR 1,000/- USD 10 Brief SWIFT sent on behalf of client - Non receipt of funds (ITT & OTT) LKR account LKR 1,000/- P a g e 6

FCY account USD10 2.2.5 Foreign Currency Notes commission (For travel) Issuance Customer 1% Non customer 1.5% Cash masters(payments requested by shipping agencies to pay USD 10 wages for the marine crew) 1.5% Encashment 2.2.6 Foreign currency note withdrawals from RFC, NRFC, RNNFC and FEEA (up to USD 10,000 or equivalent only) - w.e.f. 23.09.2016 Withdrawals below 1,000 in designated currency Withdrawals above 1,000 in designated currency 1.0 % 3 ADDITIONAL SERVICES 3.1 Standing Orders (SO) Set up fee Amendments LKR 100/- Cancellation LKR 100/- Transfer to own accounts within the Bank Transfer to other accounts within the Bank LKR 25/- Payment by Pay order LKR 300/- Payment by SLIPS LKR 200/- Additional charge for non-payment due to lack of funds LKR 300/- Standing orders sent via outward telegraphic transfer or draft, the standard telegraphic transfer or date rate will be applied. 3.2 Issuance of Withholding Tax Certificates On Fixed Deposits Savings/Call Accounts Per Certificate Initial Certificate Within 12 months More than 12 months LKR 250/- LKR 1,000/- 3.3 Charges on Savings Accounts Passbook Re-placement Charges for Savings account closure Charges for Minor Savings accounts closed on special approval (attaining 18 no charges applicable) If the minimum balance is not maintained interest will not be paid LKR 350/- LKR 250/- LKR 1,500/- P a g e 7

3.4 Pay Order Postage Charges Postage - If mailed by the Bank to customers Postage - If mailed by the Bank to non-customers If additional documents are enclosed LKR 75/- LKR 150/- LKR 200/- 3.5 Funds Transfers (manual) Transfer to own accounts within the Bank - Corporate LKR 100/- USD0.80 Transfer to other accounts within the Bank -Corporate /SME LKR 150/- USD1.20 3.6 Sweep-In/ Out Charges Set up charges Corporate & SME LKR 1,000/- Retail LKR 500/- 3.7 Utility Bill Payments Customer Non-Customer (Only cash) LKR 25/- 3.8 Additional Copies of Statements/ Balance Confirmations/ Other Documents Daily Statements - per month LKR 2,000/- Weekly Statements - per month LKR 1,000/- Within 6 months - per month Individual - Corporate - Over 06 Months - per month Individual - Corporate - Balance Confirmation Certificate (Embassies, Tax etc.) Preceding tax year Years prior to preceding tax year (Branch and centrally) LKR 300/- LKR 1,000/- LKR 500/- LKR 2,000/- LKR 550/- at branch & LKR 300/- centrally LKR 600/- Issuance of copies of vouchers, cheques and other documents as per customer request - per copy LKR500/- Hold Mail (Retain Statement) Daily - per month LKR 2,000/- Weekly - per month LKR 1,000/- Monthly - per month LKR 750/- P a g e 8

3.9 Safe Deposit Lockers Minimum Amount to be held in - Fixed Deposit LKR. 1,000,000/- or Savings Accounts LKR 250,000/- Small (p.a) LKR 5,000/- + VAT Medium(p.a) LKR 7,500/- + VAT Large (p.a) LKR 10,000 /-+ VAT Lock replacement to be referred to Admin Department Cost of locker + bank chg of LKR2,000/- 3.10 Special cash orders (Direct Deliveries) Below 500k TLS charge+ Bank Charge LKR 2,000/- 3.11 Cards & Online Banking Please click here for the Good life Credit Card Tariff Visa Debit Card charges Travel Card charges Mobile Banking Charges Online banking (Personal accounts) Online bank PIN replacement Above 500k TLS charge + 0.5% of the cash order value LKR 100/- max of LKR 15,000/- 4 IMPORTS 4.1 Issuance of Documentary credits denominated in FCY Commission charged per quarter LKR Clients 0.25% FCY clients 0.25% LKR 3,000/- USD 35 Amendment to documentary credits Except enhancements of value or extension to credit LKR Clients LKR 1,800/- FLAT FCY Clients USD 20 Import Letter of Credit cancellation fee LKR 2,000/- FLAT FCY USD 20 4.1.1 Negotiation LC processing fee LC renewal fee LKR 1,500/- LKR 750/- Sight FCY - Commission (flat) 0.25% USD 25 P a g e 9

LKR - Commission of invoice value 0.10% LKR 1,000/- Commission in lieu of exchange 0.25% USD 25 Acceptance or Deferred Payment Commission per quarter LKR 0.25% LKR 2,000/- FCY 0.25% USD 35 Discrepancy Fee Fee to be levied on each set of discrepant documents. Cost of remittance at Notwithstanding any instructions to the contrary, this charge will be USD 35 or equivalent for the Beneficiary's account. In addition the cost of remitting per message payment will be levied. 4.2 Documentary Collections Commission on face value of Bill of Exchange / Invoice - flat LKR A/C 0.25% FCY A/C 0.25% Commission in lieu of exchange LKR 2,750/- +VAT USD 35 USD 25 4.3 Additional Services- Imports 4.3.1 Commission on Shipping Guarantees Commission - of the invoice value for the first month LKR 0.5% p.m. LKR 3,000/- FCY 0.5% per month USD 30 It is the responsibility of the importer to return the guarantee to the Bank for cancellation. Under normal circumstances commission will continue to be charged until the guarantee is returned to the Bank 4.3.2 Commission for Endorsing Advance Documents Commission (FLAT) LKR 3,000/- +VAT or USD 35 4.3.3 SWIFT CHARGES LKR FCY Full SWIFT LKR 2,250/- USD 50 Brief SWIFT LKR 1,000/- USD 15 4.3.4 Transfer of Documents to another Local Bank LKR 1,600/- P a g e 10

5 EXPORTS 5.1 Documentary Credits (Including Stand by LCs) Advising & pre advising charges Customer Non-customer LKR 2,000/- LKR 3,000/- USD 20 USD30 Advising (includes standby LCS) Customer LKR 2,000/- USD 25 Non-customer LKR 3,000/- USD30 Amendment Customer LKR 1,500/- USD 15 Non-customer LKR 2,500/- USD 25 Transfer of Documentary Credit Per transfer FCY & FCBU LKR 6,000/- USD 75 Amendment - Per amendment DBU LKR 3,000/- USD 35 5.1.1 Negotiation Commission - 0.25% LKR & FCY LKR 2,500/- USD 25 Funds credited in LKR for Customer LKR 2,500/- USD 25 If commission in lieu of exchange is applicable, documentary commission 0.25% Discrepancy Fee Flat Customer LKR 2,500/- USD 25 5.2 Documentary Collections Max. Commission - 0.25% LKR LKR 3,000/- LKR 15,000/- FCY USD 35 USD 150 If commission in lieu of exchange is applicable, documentary commission will be USD 25 USD 25 5.3 Additional Services Exports Duty Rebates Handling charge per application LKR 1,000/- Confirmation of Export Proceeds per certification First 5 transactions Additional transactions (per txn) LKR 2,000/- LKR 2,000/- LKR 500/- Courier Charges Depends on weight and destination + VAT LKR 3,000/-+ VAT USD 28 For packages less than 500 gms Postage - Depends on weight ( Local Delivery) + VAT LKR 250/-+VAT Documentary Collections/LC Bills LKR 250/- P a g e 11

Clean Collections LKR 250/- or USD 5 SWIFT Charges Per message Bank Drafts Credited to FEEA Account Commission - 0.125% 6 BANK GUARANTEES LKR 1,500/-+VAT USD 5 USD 15 Max. No upper limit 6.1 Letters of Guarantees, Bonds Etc Fee ( all other facilities other than cash) 2% p.a.+ VAT LKR 3,500/- +VAT or USD 35 Fee (100% cash collateral) 1% p.a..+ VAT LKR 3,500/-+ VAT USD 35. Fee ( 100% cash margin account) 0.5% p.a + VAT LKR 3,500/-+ VAT USD 35 Amendment LKR 1,500/- USD 25 Other than extensions and enhancements LKR 3,500/- USD 35 6.2 Guarantees against Counter Guarantees Requested by overseas correspondents 2% p.a. USD 100 6.3 Issuance of Guarantees At the request of other banks 2% p.a. LKR 3,000/- USD 35 As per the arrangements with the issuing bank. Format Charges LKR 2,000/- USD 20 7. PROCESSING/EARLY SETTLEMENT FEESLOANS/OVERDRAFT/LC s/gurantees FOR RETAIL & SME OD processing fee (Cash backed) OD and Loan renewal fee (Cash backed) OD facility cancellation fee Loan processing fee (Cash backed) Loan settlement fee (Cash backed loans early settlement) Part settlement fee (Cash backed loans) LKR 1,500/- LKR 750/- LKR 1.000/- LKR 1,500/- LKR 1,000/- LKR 1,000/- P a g e 12

Guarantee processing fee Guarantee renewal fee TOD Processing Fees (SME) Excess below LKR 1 Million Excess LKR 1,000,001/- to LKR 2,000,000/- Excess LKR 2,000,001/- to LKR 5,000,000/- Excesses over LKR 5,000,001/- TOD below LKR 5,000,000/- TOD over LKR 5,000,001/- LKR 1,500/- LKR 750/- LKR 500/- LKR1,000/- LKR 2,000/- LKR 5,000/- LKR 2,500/- LKR 5,000/- Dream Maker Loans Processing Fee Standard Loan Amount 100,000 999,999.99 LKR5,000/- 1,000,000 1,999,999.99 LKR 7,500/- >2m LKR 9,000/- Early settlement fee for Personal Loans 4% of Capital Payment 2% of Capital Payment for Doctors Housing Loans Processing Fee 2% maximum LKR 60,000/- Early Settlement Charges 4% capital payment Fast track LKR 7,500/- LKR 10,000/- LKR 11,500/- Mortgaged back LKR 7,500/- LKR 9,000/- LKR 12,500/- P a g e 13