SCHEDULE OF CHARGES

PERSONAL LOANS, HOME LOANS, AUTO LOANS & OVERDRAFT

Accounts/Relationship Balance Up to EGP 499,999 EGP 500,000 - EGP 1,499,999 EGP 1,500,000 and above
Auto Loans/ Personal Loans
EGP Accounts Unsecured loan administration
Account opening fees EGP 50 EGP 25 Free 2% (Maximum EGP 100,000)
fees
EGP 1.45 Secured Loan administration fees 1.5% (Maximum EGP 100,000)
Country’s Resources Development Fees and Physical Stamp Duty Fee (charged once)
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees) Auto Loan registration fees EGP 200
Monthly account maintenance fees EGP 20 EGP 10 Free Auto Loan Release Ban on Sale EGP 200
Cheque book issuance fees EGP 3/leaf EGP 1.5/leaf Free Ban on Sale Renewal Fees EGP 200
Home Loans
Minimum account balance (not applicable to Current Accounts) EGP 10,000
Secured Loan administration fees 1.5% (Maximum EGP 150,000)
Minimum account balance fees (Monthly) (not applicable to Current Accounts) EGP 100 EGP 100 Not applicable Unsecured Loan administration
2.5% (Maximum EGP 150,000)
fees
Power of attorney fee EGP 75 + EGP 1.45 (EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
Overdrafts
Monthly hold mail fees EGP 100 Monthly highest debit balance
0.2% of debit balance
Payment order in local currency EGP 70 commission
Processing fees EGP 50
FOREIGN CURRENCY ACCOUNTS Overdraft limit change fee EGP 50
USD 5/EUR 2.51/AUD 3.79/JOD/2.25/OMR 1.04/AED 10/CAD 3.44/CHF 2.59/KWD 0.824/GBP 2.14/JPY 344.83/LBP 4167/QAR 10/SAR Other Fees for Loans
Account opening fees 10.12/DKK 18.73 + equivalent to EGP 1.45 Early settlement fee for secured
6% of amount being prepaid
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees) Personal/Auto Loans
Early settlement fee for unse-
Monthly maintenance fees USD 3 or equivalent 8% of amount being prepaid
cured Personal/Auto Loans
Minimum Account Balance (not applicable to Current Accounts) USD 1,000 Early settlement fee for Mort-
6% of amount being prepaid
gage Loans
Minimum account balance fees (Monthly) (not applicable to Current Accounts) USD 5 or equivalent
Loan rescheduling fee Free
Monthly hold mail fees Equivalent to EGP 100 Late Charge Fee EGP 150
Certificates Bank draft (Buy Out Loans) Free
Draft/Certified cheque settle-
(Balance confirmation - Pension - Salary Transfer - Salary transfer stoppage - EGP 10 for local currency - USD 5 for foreign currency
EGP 75 ment
Account declaration - Transfer of receivables)
Liability letter EGP 300
Temporary credit card clearance EGP 25 Overdue interest on interest
22.75%
(ODIN)
Overdue interest on principle
DEBIT CARD FEES* 22.75%
(ODPR)
Card Type Classic Titanium Platinum
Stamp duty 0.05% from outstanding balance/quarter
Primary card issuance/annual fees EGP 50 EGP 100 EGP 150
Clearance letter EGP 25
Supplementary card issuance/annual fees EGP 50 EGP 100 EGP 150
Other Fees
SMS monthly fees EGP 10
I-score inquiry fees from branches EGP 100
Primary/Supplementary card replacement fees EGP 50 EGP 75 EGP 100
I-score inquiry fees through ATM EGP 40
FX mark-up fees on foreign currency transactions 10% from transaction amount
Country’s Resources Develop-
Successful dispute Free EGP 1.45
ment Fees and Physical Stamp
Unsuccessful dispute EGP 50 (EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
Duty Fees (Charged once)
ATM cash withdrawal fees (Non-FABMISR ATMs) EGP 5
ATM cash inquiry fees (Non-FABMISR ATMs) EGP 3
SMALL BUSINESS LOANS
EGP 1.45
Country’s Resources Development Fees and Physical Stamp Duty Fee (charged once) Secured small business loans
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
File fees 1.50%
*These are the standard charges, apart from any special agreement.
Late payment fees EGP 150
Overdue interest on interest
22.75%
CREDIT CARD FEES (ODIN)
Card Type Classic Gold Shine Titanium Platinum World Elite Overdue interest on principle
22.75%
Primary card issuance/annual fees EGP 150 EGP 300 EGP 300 EGP 300 EGP 600 EGP 4000 (ODPR)
Supplementary card issuance/annual fees Free EGP 1000 Early settlement fees 8%
Primary card replacement fees EGP 75 EGP 125 EGP 125 EGP 125 EGP 150 EGP 250 Unsecured small business loans
Supplementary card replacement fees EGP 75 EGP 125 EGP 125 EGP 125 EGP 150 EGP 250 File fees 2%
Annual SMS alert fees EGP 60 Free Late payment fees EGP 150
Monthly interest rate on purchases and Overdue interest on interest
3.15% 3% 3% 3% 2.9% 2.9% 22.75%
cash withdrawal (ODIN)
ATM cash withdrawal fees 4% (Minimum EGP 30) Overdue interest on principle
22.75%
(ODPR)
FX mark-up fees on foreign currency
10% from transaction amount Early settlement fees 8%
transactions
Late payment fees EGP 150
Over limit fees EGP 100 PAYROLL*
Monthly credit shield fees (Optional) 0.15% of outstanding debit balance (Minimum EGP 5 - Maximum EGP 300) Payroll accounts
Successful dispute Free Account opening fees Free
Unsuccessful dispute EGP 50 Monthly account maintenance
EGP 4
PIN re-issuance fees Free fees
Statement regeneration fees EGP 10 per statement Statements fees Free
Over the counter deposit fees Minimum account balance Nil
EGP 30 Minimum account balance fees
(for customers or delegates) Nil
Over the counter withdrawal fees 4% (Minimum EGP 30) (monthly)
ATM balance inquiry Payroll Debit Cards*
Free Card Type Classic Titanium Platinum
(on-us ATM)
ATM Balance Inquiry (off-us ATM) EGP 5 Issuance fees Free
Interest free credit period for purchases Up to 55 days in case of full payment by due date Annual fees EGP 40 EGP 75 EGP 100
Interest on cash withdrawal Interest is calculated from Day One Monthly SMS alerts fees EGP 10
Monthly paper statement fees EGP 20 Replacement fees EGP 40 EGP 75 EGP 100
Payroll Loans*
International shipping (Courier charges) Actual cost + USD 5 Administration fees 1.50%
Minimum payment due 5% (Minimum EGP 50) Country’s Resources Develop-
EGP 1.45
ment Fees and Physical Stamp
1.99% (for 6 and 12 months tenors) (EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
Duty Fees (Charged once)
Easy Payment Plan (EPP) interest rate 1.75% (for 18 and 24 months tenors)
1.5% (for 36 or 48 or 60 months tenors) Payroll Credit Cards*
Card Type Classic Gold Shine Titanium Platinum
Balance Transfer (BT) interest rate 1.5% for balance transfer across all tenors
Issuance fees Free
Loan on Phone (LOP)/Easy Cash monthly Interest rate 2.99% 2.85% 2.85% 2.85% 2.75%
1.99% (Monthly interest across all tenors)
interest rate Annual fees EGP 150 EGP 300 EGP 300 EGP 300 EGP 600
Loan on phone (LOP) fees/Easy cash fees 1% (Minimum EGP 50 - Maximum EGP 300) Annual SMS alerts fees EGP 60 Free
Country’s Resources Develop-
Installments early settlement fees 2% from the principal remaining amount EGP 1.45
ment Fees and Physical Stamp
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
*This is applied on purchase transactions from the statement date if the balance is not paid in full by the statement due date. In case of cash transactions, this rate will be applied from the transaction date until the amount Duty Fees (Charged once)
is paid in full. *These are the standard charges applicable to Payroll customers, apart from any special agreement. Other debit and credit card fees and charges apply.
GENERAL CHARGES
Securities Charges
Paper statement (in local or foreign currency) EGP 60 or equivalent
Book keeping contract EGP 20
Statements re-generation request EGP 50 Securities deposit 1 per mil on the market value for the previous day (Minimum EGP 10 - Maximum EGP 10,000/shareholder)
Standing order EGP 100 Annual custody charges 1 per mil from market value by end of month (deducted on a monthly basis)
Over the counter cash withdrawal fees to the amount below or equal to 20.000 EGP 40 Transfer to another book keeper 1 per mil (Minimum EGP 100)
Statement EGP 5
Local cheque/bill collection (within Clearing House) EGP 10/cheque
Coupons commission 5 per mil from coupon value (Minimum EGP 5 - Maximum EGP 500)
0.2% (Minimum EGP 15 - Maximum EGP 400) + Correspondent charges + Courier charges Certificate issuance EGP 5
Local cheque/bill collection (outside Clearing House)
(Adding EGP 50 extra charges for Egyptian Post checks)
Commission of sale or purchase 1 per mil (Minimum EGP 5 - no maximum)
Collecting foreign currency cheques favor our customers 0.3% (Minimum USD 5 - Maximum USD 125) + Correspondent charges + Courier charges Transfer from another book
Free
Cheque stop payment EGP 50 or equivalent per order keeper
Pledge release 0.075 per mil (Maximum EGP 3,000)
Unpaid cheques drawn on our customer EGP 25/USD 5
Capital subscription EGP 200
Signature verification EGP 25 per stamp Annual holding fees 0.0075% (Minimum EGP 5 - no maximum)
EGP 1.45 or equivalent for issuance in other currencies Investor protection fund 1.5 per mil from market value by end of the year (Maximum EGP 150)
Certificate of deposits issuance fees (CDs)
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees) GDR sale/purchase EGP 200
EGP 1.45 or equivalent for issuance in other currencies GDR coupon collection 5 per mil (Minimum USD 5 - no maximum)
Time deposits issuance fees (TDs)
(EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
GDR Issuance/Cancellation EGP 400/transaction or equivalent + International Custodian, ESE, Depository bank and other fees
Inheritance fees (0.3% of the total heritage amount (Minimum EGP 100 - Maximum EGP 1,000) Monthly GDR custody fees 2.5 per mil on the market value for the end of month (deducted on mothly basis)
Monthly dormancy fees EGP 10 Monthly custody fees of board
EGP 50
membership guarantee shares
Printing immediate statement through branches EGP 5 per page
Izdehar fund fees 0.025% subscription fees (Maximum EGP 0.25 for each Investment Certificate)
Margin trading charges 4.25% + High Corridor
Safe Deposit Boxes Annual Fees
Payment Order
Small EGP 2,000
Payment order in local currency EGP 70
Medium EGP 3,500 Payment order in foreign
USD 5
Extra Medium EGP 4,000 currency
Inward transfers in local currency
Large EGP 5,500 Fixed charge of EGP 10 on every incoming transfer via swift starting from EGP 10,000
favor bank customer
Lost key fees EGP 400 + Actual cost of the key replacement Inward transfers in foreign
USD 3
Insurance fees EGP 1,000 currency favor bank customer
Credit advices issued for
Country’s Resources Development Fees and Physical Stamp Duty Fees EGP 1.45 EGP 20 or equivalent
incoming messages
(Charged only once, upon granting the service) (EGP 1 for Country’s Resources Development Fees and EGP 0.45 for Physical Stamp Duty Fees)
Statement advice by swift USD 35 monthly for each account
Refund of invalid incoming EGP 20 for local currency
Outgoing Transfers
transfer for our clients USD 20 or equivalent for foreign currency
Outgoing transfers in local currency 0.2 % (Minimum EGP 25 - Maximum EGP 350) + SWIFT charges
Outgoing transfers in foreign currency 0.3% (Minimum USD 25 - Maximum USD 100) + SWIFT charges
Payment Services
Online transfers in local currency Free
Cash/Cheque Deposits Value Dates
Online transfers in foreign currency 0.15% % (Minimum USD 25 - Maximum USD 50) + SWIFT charges
Value next business day
ACH Mandates EGP 12 Local currency
Staff and Family 1st degree: Same value date
ACH direct debit payments “ Debtor Installment “ per transaction EGP 12
Value 2 business days for USD
Outgoing Transfers Swift charges Foreign currencies
3 business days for other foreign currencies
SWIFT Charges for local currency EGP 40 Local currency deposits/Cheque collection = 6.5/10,000 (0.065%) for each day till real value date (Minimum EGP 20 - no maximum)
Same value date in local currency
Note: The minimum fee EGP 20 will not be applied for the same day value EGP deposits for loan installment payments, 0.065% is applied
SWIFT Charges for foreign currency USD 20
Same value date in foreign cur-
EGP 40 for local currency Foreign currency deposits/Cheque collection = 4/1000 (0.4%) for each day till real value date (Minimum USD 5 - no maximum)
Amendment/Investigation/Clarification/Cancellation SWIFT Charges rency
USD 20 or equivalent for foreign currency
Cash deposit transaction below
or equal to the amount of EGP EGP 30 with the exception of (Customer deposit through messenger, Customer not holding a card for first time till he signs a Debit Card application or if a Credit Card PIN is needed)
Bills and Post dated cheques 20,000
Protest Actual cost (Legal fees) + Postage charges + EGP 20
Custody commission (for local currency) 0.3% (Minimum EGP 20 - Maximum EGP 500) E- ACH credit service for E-payments
Payroll
Custody commission (for foreign currency) 0.3% (Minimum USD 10 - Maximum USD 100 or equivalent)
From 0-1000 (Number of trans-
Withdrawal of bill/cheque (for local currency) EGP 20 (no refund for custody commission) EGP 5
actions)
Withdrawal of bill/cheque (for foreign currency) USD 5 or equivalent 1000-5000 (Number of transac-
EGP 4
Postponement charges (for local currency) EGP 10 tions)
Postponement charges (for foreign currency) USD 5 or equivalent 5000 or more (Number of trans-
EGP 2
actions)
Inward bills collection 0.2% (Minimum 20 - Maximum 350) + SWIFT charges
For internal transfers EGP 2 will be deducted for each transaction
Inward bills returning Protesto fees + Postage charges + EGP 20 Other Payments (Suppliers,etc…)
0-200 (Number of transactions) EGP 15
Collection Charges 200-500 (Number of transac-
(Collection of cheques received from customers or local banks) EGP 10
tions)
Cheques sent for collection through Central Bank of Egypt clearing couse EGP 10 per cheque 500 Or More (Number of transac-
EGP 5
Cheques drawn on Us in local currency (outside clearing house) 0.2 % (Minimum EGP 15 - Maximum EGP 350) + SWIFT charges tions)
Cheques Drawn on Us in foreign currency (outside clearing house) 0.3 % (Minimum USD 5 - Maximum USD 100) + SWIFT charges or USD 5 flat for issuance of Bank Draft For internal transfers EGP 2 will be deducted for each transaction
EGP 30 for local currency (Outside clearing house) and USD 15 for foreign currency (International cheques) or equivalent + Courier
Personal Banking Schedule of Charges – February 2023

Returned international Cheques drawn on us Bank Drafts , Certified Cheques and Purchased Cheques
charges if returned abroad
0.2 % (Minimum EGP 15 - Maximum EGP 400) + Correspondent charges + Courier charges (Adding EGP 50 extra charges for Egyptian Bank drafts and certified cheques
Collecting local currency Cheques in favor of our customer (Outside clearing house)
Post checks) 0.2% (Minimum EGP 25 - Maximum EGP 350)
Issuance in local currency
Courier (outside Egypt) Actual courier fees + USD 10 per cheque (Or equivalent) *Maximum EGP 50 for Governmental Authorities (Taxes and customs)

Courier (inside Egypt) Actual Courier fees + EGP 25 per cheque (Or equivalent) Issuance in foreign currency 0.3% (Minimum USD 20 - Maximum USD 100)

Cheques sent on cash letter basis 0.4 % (Minimum USD 20 - Maximum USD 150) + Correspondent charges + Courier charges Bank draft (Buy out Loans) Free
Draft/Certified cheque settle-
Unpaid cheques presented by our customer for local currency EGP 20 EGP 10 for local currency - USD 5 for foreign currency
ment
Unpaid cheques presented by our customer in foreign currency USD 15 Purchased Cheques
Collection of cheques received from foreign Banks (Drawn on other Banks) 0.4% (Minimum USD 10 - Maximum USD 150) + SWIFT charges + Courier charges + Correspondent charges Local currency 0.6% (Minimum EGP 15 - no maximum)
Collecting foreign currency cheques Favor our customers 0.3 % (Minimum USD 5 - Maximum USD 125) + Correspondent charges + Courier charges Foreign currency 0.6% (Minimum USD 10 - no maximum)