National Bank of Dubai

Service Charges for Retail Customers

Personal Accounts	Over the Counter Transactions
Debit Cards	Inward Remittances
Outward Remittances	Travellers Cheques
Payroll Processing	Credit Cards
Personal Loans	Auto Loans
NBD Home Loans	NBD Personal Overdrafts
NBD Secured Facilities	Retail Commercial Loans
Investments & Bancassurance	Certification & Letters
General

For service charges related to Corporate Customers, please refer to
Schedule of Service Charges for Corporate Customers

General Conditions:

1. All fees and charges mentioned in this guide are subject to change without notice.

2. Any fees listed below applies to normal transactions. The Bank reserves the right to levy additional charges for services at its sole discretion.

3. Charges for any services not mentioned below will be available on request.

4. These charges are effective from 1st September, 2006.

Personal Accounts
	Retail	Suhail Premier Services *
A. Deposit Accounts balance requirements and fees
Current Accounts (Individuals)	AED 75 per month if Minimum balance below AED 4,000	Free
Current Accounts (Business Entities)	AED 100 per month if Minimum balance below AED 10,000	AED 100 per month if Minimum balance below AED 10,000
Savings Account	AED 75 per month if Minimum balance below AED 2,500	Free
NBD Value Account (Minimum balance variant)	AED 100 per month if Minimum balance below AED 5,000	AED 100 per month if Minimum balance below AED 5,000
NBD Value Account (Monthly fee variant)	AED 30 per month	AED 30 per month
Call Accounts	No interest will be payable if balance is below AED 50,000 / USD 15,000 / GBP 10,000 / EUR 20,000.	No interest will be payable if balance is below AED 50,000 / USD 15,000 / GBP 10,000 / EUR 20,000
Ajial Accounts	Free	Free
Payroll Accounts	Free	Free
Abeer Accounts
Current	AED 75 per month if Minimum balance below AED 4,000	Free
Savings	AED 75 per month if Minimum balance below AED 2,500
B Fixed Deposits
Minimum Deposit Required	AED 10,000 or equivalent of USD 5,000 in other currencies	AED 10,000 or equivalent of USD 5,000 in other currencies
* Suhail Premier services available to customers who maintain a total minimum relationship of AED 500,000 (or equivalent in other currencies) across all Deposit Accounts and Fixed Deposits with the Bank
Break before maturity	No notice required for withdrawals. Interest 1% lower than rate applicable as at date of placement for the period the deposit is actually retained.	No notice required for withdrawals. Interest 1% lower than rate applicable as at date of placement for the period the deposit is actually retained.
C Recurring Deposit
Break before maturity	Interest rate applied will be the Savings Account interest rate prevailing on date of opening or closing of the recurring deposit, whichever is lower	Interest rate applied will be the Savings Account interest rate prevailing on date of opening or closing of the recurring deposit, whichever is lower
D Duplicate Passbook	AED 50	Free
E Issue of Cheque Book
Normal Cheque books
First book	Free	Free
Additional 5 leaves	AED 5	Free
Additional 25 leaves book	AED 20	Free
Customised Cheque Book	Actual Cost	Actual Cost
Cheque usage (NBD Value Account)	First 4 cheques in a month free. Subsequently, AED 10 per cheque.	First 4 cheques in a month free. Subsequently, AED 10 per cheque.
F Cheques drawn on us returned unpaid for lack of funds	AED 200	AED 200
G Account maintenance charges for accounts where documentation is incomplete	AED 300 (per quarter)	AED 300 (per quarter)
H Special Clearing - Outward (within same Emirate)	AED 100 (per cheque)	AED 100 (per cheque)
I Special Clearing - Inward
Proceeds by Managers Cheque	AED 100	AED 75
Proceeds through UAE Central Bank	AED 100 + CB charges	AED 75 + CB charges
J Stop Payment of cheques
Per cheque	AED 100	Free
Per cheque book	AED 200	Free
K Closure of Current and Savings Accounts within 6 months of opening	AED 100	Free
L Dormant Account Charges	AED 100 per year	AED 100 per year
M Duplicate Statement of Current and Savings Account	AED 20 per page	Free
N Copies of Paid Cheques or other source documents	AED 10 per item	AED 10 per item
O NBD Telebank	Free	Free
P NBD Online	Free	Free
Issue of Demand Draft	AED 15	AED 15
Issue of Manager's Cheque	AED 15	AED 15
Telegraphic Transfer:
AGCC Countries: Direct Currency Cross Currency	AED 60 AED 60	AED 50 AED 50
Other Countries: Direct Currency Cross Currency	AED 60 AED 75	AED 50 AED 50
Q NBD Mobile	Free	Free
R Standing Instructions (not applicable to Loan instalment recoveries for NBD loans)
Setup Fee for all Standing Instructions	AED 50	Free
Handling charges only in cases where Standing Instruction is executed manually.	AED 20 per transaction in addition to applicable instrument charges. Handling charge is to be levied even if instruction is not executed	AED 20 per transaction in addition to applicable instrument charges. Handling charge is to be levied even if instruction is not executed
Amendment (including Transaction postponement)	AED 25	AED 25
Failed Standing Orders	AED 150 (where reason is insufficient funds)	AED 150 (where reason is insufficient funds)
S Letters of Encashment / Cheque Certification	1/8% per month	1/8% per month
T Cheque Certification	Minimum 1/4% or AED 100 whichever is higher	Minimum 1/4% or AED 100 whichever is higher
U Post dated cheques for presentation on due date	AED 10 (Per instrument)	Free
V If PDC withdrawn before maturity, an additional charge will be levied	AED 10 (Per instrument)	Free
Note: Where any transaction involves the same foreign currency on both sides, commission to be recovered in lieu of exchange as per item C under Over the Counter Transactions of this guide in addition to normal transaction charges.

Over the Counter Transactions
A Bill Payments	AED 10 per bill	Free
B Internal transfers - between accounts of different customers only	AED 20	Free
C Commission in lieu of Exchange on transactions involving FCY where no exchange is involved	For cash transactions, 1%, minimum AED 50, where same currency notes are involved. 0.125% for all other transactions in same foreign currency	For cash transactions, 0.75%, minimum AED 50, where same currency notes are involved. 0.125% for all other transactions in same foreign currency
D Cash Withdrawal (only payroll accounts)	AED 10 per transaction	Free

Debit Cards
	Retail	Suhail Premier Services
A Annual Fee	Free	Free
B Replacement of Visa Electron Debit Card	AED 50	AED 50
C Usage Fee in UAE at NBD ATMs
Cash withdrawal / deposit	Free	Free
Balance Enquiry	Free	Free
Mini Statement	Free	Free
Utility Bill Payments	Free	Free
D In UAE on Non - NBD UAE Switch ATMs
Cash Withdrawal	AED 2	AED 2
Balance Enquiry	AED 1	AED 1
Declined Transaction	AED 1	AED 1
E In AGCC countries at GCCNET ATMs
Cash withdrawal	AED 2	AED 2
Balance Enquiry	Free	Free
F International (Non NBD) ATMs
Cash withdrawal	0.5 % of the billing amount + AED 10	0.5 % of the billing amount + AED 10
Balance Enquiry	Free (if available)	Free (if available)
NBDirect Payroll Card
G Annual Fee	Free	N/A
H Replacement Card	AED 25	N/A
I Withdrawals on NBD ATMs
Upto 4 transactions in a month	Free	N/A
Over 4 transactions	AED 2 per transaction	N/A
J Withdrawals at non-NBD ATMs (within UAE)	AED 5 per transaction	N/A
K Withdrawals at non-NBD ATMs (outside UAE)	AED 10 per transaction	N/A

Inward Remittances
	Retail	Suhail Premier Services
A Inward Remittances settlement
Credited to customer's account with us	Free	Free
Paid by Demand Draft or Manager's Cheque	AED 50	AED 50
Paid in Foreign currency to a local bank	AED 50 + applicable TT charge	AED 25
Local currency interbank payment	UAE Central Bank charges	AED 50
Local currency to another Bank for beneficiary account (by TT)	AED 75 + Central Bank charges	AED 50
Paid in local currency cash
Upto AED 10,000	AED 50	AED 25
Above AED 10,000	AED 100	AED 50

Outward Remittances
	Retail	Suhail Premier Services
A Issue of Demand Draft	AED 20	AED 10
B Issue of Manager's Cheques	AED 20	AED 10
C Issue of IPO / Rights Issues Pay Orders	AED 100	AED 100
D Cancellation of Draft and Manager's Cheque	AED 20	Free
E Stop Payment of Demand Draft and Manager's Cheque (reported lost/stolen)	AED 50	Free
F Mail Transfer	AED 40	AED 40
G Telegraphic Transfer
AGCC Countries
Direct Currency	AED 75	AED 50
Cross Currency	AED 75	AED 50
Other Countries
Direct Currency	AED 75	AED 50
Cross Currency	AED 100	AED 50
H Through UAE Central Bank	AED 75 + Central Bank Charges	AED 50
I Fate Enquiry
Internal	Free	Free
Beneficiary's Bank	AED 100	AED 50
Note: Where any transaction involves the same foreign currency on both sides, commission to be recovered in lieu of exchange as per item C under Over the Counter Transactions of this guide in addition to normal transaction charges.

Travellers Cheques
	Retail	Suhail Premier Services
A Sale of Travellers Cheques	1%	0.5%
B Purchase of Travellers Cheques	AED 1 per instrument, minimum AED 20	AED 1 per instrument, minimum AED 20

Payroll Processing (for employees of Corporate Customers)
	Retail / Suhail Premier Services
A Processing Charges	1. AED 80 per bank transfer where payroll details are sent to the bank using NBD Online 2. AED 80 per bank transfer where payroll details are sent to the bank through a floppy in the bank-specified format plus a fixed monthly charge of AED 300
Note: Salary transfers will be handled only if received via NBD Online or a floppy in bank-specified format

Credit Cards
	Gold Cards NBD/NBD Dnata	Silver Cards NBD/NBD Dnata	Suhail Premier Services NBD/NBD Dnata
Card Financial	-
A Annual Fee - Primary	AED 300 / 500	AED 100 / 250	Free
B Annual Fee - Supplementary	Free	Free	Free
C Cash Advance Limit	75%	50%	75% / 50%
D Minimum Monthly Payment	5%	5%	5%
E Freedays (upto)	55	55	55
F Interest Rate	2.15%	2.4%	2.15% / 2.4%
Fees & Charges	Gold Cards NBD/NBD Dnata	Silver Cards NBD/NBD Dnata	Suhail Premier Services NBD/NBD Dnata
G Cash Advance Fee	3% of the transaction amount or AED 30 whichever is higher		3% of the transaction amount or AED 30 whichever is higher
H Card Replacement	AED 50	AED 50	AED 50
I Over Limit Charge	AED 95	AED 95	AED 95
J Late Payment Charge	AED 95	AED 95	AED 95
K Statement Request (3 months)	AED 25	AED 25	Free
L Returned Cheque	AED 100	AED 100	AED 100
M Outstation Cheque Processing	AED 25	AED 25	AED 25
N Charge Slip Copy	AED 50	AED 50	Free
O Credit Shield Insurance Charges	0.50%	0.50%	0.50%
P Foreign Currency Transaction Fee	2.50%	2.50%	2.50%
Q No Liability Letter	AED 50	AED 50	AED 50
R Liability Letter	AED 100	AED 100	AED 100

Personal Loans
	Retail	Suhail Premier Services
A Processing Fee	1% or AED 500, whichever is higher* (Maximum AED 1,000)	1% or AED 500, whichever is higher* (Maximum AED 1,000)
B Prepayment Fee - Top-up Loan	2% of outstanding balance	2% of outstanding balance
C Prepayment Fee - From own sources	1.5% of outstanding balance / prepaid amount	1.5% of outstanding balance / prepaid amount
D Prepayment Fee - From another Bank	5% of outstanding balance	5% of outstanding balance
E Late Payment Fee	AED 150	AED 150
F Life Insurance	Free	Free
G Instalment Postponement Fee	AED 100	AED 100
H Loan Rescheduling Fee	2% of amount rescheduled	2% of amount rescheduled
I No Liability Certificate
First Time	Free	Free
Duplicate	AED 50	AED 50
J Liability Certificate	AED 100	AED 100
*or as per specific arrangement with the Employer

Auto Loans
	Retail	Suhail Premier Services
A Processing Fees	1% (Min. AED 350, Max. AED 1,000)	1% (Min. AED 350, Max. AED 1,000)
B Late Payment Fee	AED 150	AED 150
C Instalment Postponment Fee	AED 100	AED 100
D Application Cancellation Fee	AED 500	AED 500
E Returned Cheque	AED 150	AED 150
F Release Letter
First Time	Free	Free
Duplicate	AED 200	AED 200
G Temporary Release	AED 100	AED 100
H Prepayment Fee-From Own Sources	3% of outstanding balance	3% of outstanding balance
I Prepayment Fee-Settlement from another Bank	5% of outstanding balance	5% of outstanding balance
J Change Plate #, Vehicle Ownership, Color	AED 200 + AED 2,000 refundable deposit	AED 200 + AED 2,000 refundable deposit
K Change of Post Dated Cheques	AED 100	AED 100
L Cash Payment	AED 50	AED 50
M Liability Certificate	AED 100	AED 100

NBD Home Loans
	Retail	Suhail Premier Services
A Processing Fee	1% of the total loan amount or AED 5,000 minimum payable	1% of the total loan amount or AED 5,000 minimum payable
B Pre-Approval Fee (Prior to identifying a property)	AED 1,000	AED 1,000
C Property Insurance	0.05% per annum on the sum assured	0.05% per annum on the sum assured
D Borrower's Life Insurance	0.40% per annum of the outstanding loan amount per borrower (joint borrowers)	0.40% per annum of the outstanding loan amount per borrower (joint borrowers)
E Deferral Fee	AED 150 per deferral	AED 150 per deferral
F Rescheduling Fee	2%	2%
G Late Payment Fee	AED 150	AED 150
H Loan Cancellation Fee	Processing fee will not be refunded	Processing fee will not be refunded
I No Liability Certificate
First time	Free	Free
Duplicate	AED 50	AED 50
J Liability Certificate	AED 100	AED 100
K Early Settlement - Top up Loan	1%	1%
L Early Settlement - From own sources	1%	1%
M Early Settlement - From another bank	2%	2%

NBD Personal Overdrafts
	Regular	Suhail Premier Services
A Arrangement Fee	0.25%, minimum AED 500	0.25%, minimum AED 500
B Renewal Fee	AED 500	AED 500

NBD Secured Facilities (Loans/Overdrafts)
A Arrangement Fee	0.1%, minimum AED 250	0.1%, minimum AED 250
B Annual Review Fee	AED 250	AED 250

Retail Commercial Loans
A Arrangement Fee	0.25%, minimum AED 1,000	0.25%, minimum AED 1,000
B Annual Review Fee	AED 1,000	AED 1,000

Retail Commercial Overdrafts
	Regular	Suhail Premier Services
A Arrangement Fee	0.25%, minimum AED 1,000	0.25%, minimum AED 1,000
B Annual Review Fee	0.25%, minimum AED 1,000 (limit unutilized for last 12 months)	0.25%, minimum AED 1,000 (limit unutilized for last 12 months)

Investments & Bancassurance
	Retail	Suhail Premier Services
Structured Products
A Subscription / Redemption	Free	Free
B Penalty - Redeemed / sold before maturity
1st year	3%	3%
2nd year	2%	2%
3rd year	1%	1%
NBD Savings & Protection Plans*
C Fund spread charge	2%	2%
D Fund Switching Charges:
First 4 transfers per policy yr	Free	Free
Additional transfers	USD 25 each	USD 25 each
E Management charge	0.14% per month	0.14% per month
F Administration charge
USD 0-USD 29,999	USD 11 per month	USD 11 per month
USD 30,000-USD 49,999	USD 8 per month	USD 8 per month
USD 50,000 and above	USD 6 per month	USD 6 per month
G Per Unit Charge	See Product Brochure
H Surrender Charge	See Product Brochure
*These charges are levied by the Insurance Company and are subject to change from time to time. The above list of charges is meant to be a guide only; for complete and updated details, please refer to the respective product Terms and Conditions

Certification & Letters
	Retail	Suhail Premier Services
A Certificate of Balance	AED 50	Free
B Full Audit Confirmation	AED 200	Free
C No Liability Certificate	AED 50	Free
D Liability Letter	AED 100	Free
E Attestation of Signature	AED 50	Free

General
	Retail	Suhail Premier Services
A Hold mail facility	AED 25 per month	Free
B Postage (to be recovered in all cases where mailing is required as part of a transaction)
UAE	AED 20 minimum	Free
Other	AED 40 minimum	Free
C Faxes
UAE	AED 10 per page	Free
Other	AED 20 per page	Free
D Courier
UAE	AED 50 minimum	Free
Other	AED 150 minimum	Free
E Telex/Cable/SWIFT messages (Based on the length of the message)
UAE	AED 50 minimum	AED 50 minimum
Other	AED 75 minimum	AED 75 minimum
F Safe Custody Charges	AED 250 per article per annum	AED 250 per article per annum
G Safe Deposit Locker Charges
"A" type	AED 600 per annum	AED 600 per annum
"B" type	AED 900 per annum	AED 900 per annum
"C" type	AED 1200 per annum	AED 1200 per annum
"D" type	AED 1500 per annum	AED 1500 per annum
H Investigations	Within 1 year AED 50. Over 1 year based on volume and complexity, minimum AED 100	Within 1 year AED 50. Over 1 year based on volume and complexity, minimum AED 100
I Cash Pick up / Delivery Charges	N/A	AED 65 per cash pick or delivery