Schedule of Charges of Retail Banking

Schedule of Charges of Retail Banking Particulars Charges / Commission Deposit Accounts Current, Savings, SND, MTB Senior, MTB Inspire and Scheme accounts Account Maintenance Fee 1 Current Account/ SND Account BDT 500 Half Yearly Savings / Inspire / Senior / Ruby i) No fees up to BDT 5000 on average balance ii) BDT 100 on half yearly basis up to BDT 25,000 on average balance iii) BDT 300 on half yearly basis above BDT 25,000 on average balance 2 FCY account Account Closing Charge Current Account / SND Account BDT 300 BDT 500 Half Yearly Savings / Inspire / Senior / Ruby Scheme Account No charge for premature encashment Account Transfer Charge 3 Current / SND / Savings / Senior/ Inspire/ Scheme Account / Ruby BDT 300 Account Statement Charge 4 Current / Savings / Senior / Inspire/ Ruby / SND Account Over Draft (Half-Yearly basis) Deposit Scheme Scheme deposit: 1 copy with a/c statement/ half yearly: Duplicate a/c statement to be issued at the request of client on realization of Duplicate statement (Less than or equal to 12 months) MTB Bank Statement verification (when those are sent to us for verification by embassies, other bank etc) + Additional BDT 100 per year BDT 300 Page 1 of 15

Installment failure Charge 6 Scheme Accounts @ 2% for each defaulted installment Issuance of Cheque Books 7 Current / SND / Savings / Senior / Inspire Account / Ruby BDT 4.00 per leaf including VAT 1 st 10 leaves cheque free for Senior A/c Bangladesh Bank Cheque 8 Issuance of Bangladesh Bank cheque at the request of the client BDT 100 per cheque Loan and Advance 9 MTB Cash Line Overdraft / Retail SOD Loan processing fee Up to BDT 500 k - BDT 1,000 Above BDT 500 K to BDT 1,000 K - BDT 1,500 Above BDT 1,000 K - BDT 2,000 Renewal fee Installment Failure charge Security replacement fee Fees for loan closure certificate Limit enhancement fee BDT 1,000 Additional 3% on EOL amount BDT 500 per instruction No fees. For duplicate certificate chargetk. 200 Up to BDT 500 k - BDT 1,000 Above BDT 500 K to BDT 1,000 K - BDT 1,500 Above BDT 1,000 K- BDT 2,000 In case of limit enhancement, processing fees to be taken for the enhanced amount Limit Reduction Fee BDT 500 10 A/C Maintenance fee BDT 300 1/2 yearly Closing of account BDT 300 Cheque book issuance fee Per Leaf BDT 4 including VAT MTB Cash Line Term Loan Up to BDT 500 k - BDT 1,000 Above BDT 500 k to BDT 1,000 k - BDT Loan processing fee 1,500 Above BDT 1,000 k - BDT 2,000 Early settlement fee Pre payment fee Installment failure Charge Security replacement fee 0.50% of the outstanding amount Allowed after 6 months of the facility. Fees 0.50% of the pre payment amount. 3% on arrear amount BDT 500 per instruction Page 2 of 15

11 12 13 14 Loan processing fee Early settlement fee Pre payment fee (minimum 30% of outstanding) Installment Failure charge Loan re-schedulement Fees for loan closure certificate MTB Personal Loan 1.50% of loan amount 2% of loan outstanding Allowed after 6 months. At least minimum 30% of the loan outstanding to be paid by customer while making advance / prepayments. Fees 2% of the prepaid amount 3% on arrear amount 1% of loan outstanding No fees. For duplicate certificate charge CIB Charge Contact Point Verification BDT 500 MTB Auto Loan Loan processing fee 1% of loan amount. Early settlement fee 2% of loan outstanding Pre payment fee Allowed after 6 months. At least minimum 30% of the loan outstanding to be paid by customer while making advance / prepayments. Fees 2% of the prepaid amount Installment failure Charge 3% on arrear amount Loan re-schedulement 1% of outstanding amount Fees for loan closure certificate No fees. For duplicate certificate charge BDT. 200 Change of Car Quotation BDT 500 per quotation CIB Charge Contact Point Verification BDT 500 Notarization Fee BDT 50 MTB Home Loan Loan processing fee 1.25% of loan amount. Early settlement fee 1.5% of loan outstanding Allowed after 6 months. At least minimum 20%/1 lac whichever is lower of the loan Pre payment fee outstanding to be paid by customer while making advance / prepayments. Fees 1.5% of the prepaid amount Penal charge Loan re-schedulement Fees for loan closure certificate 3% on arrear amount 1% of outstanding amount No fees. For duplicate certificate charge BTD 200 CIB Charge Legal charge At actual Property Valuation Charge At actual Contact Point Verification BDT 500 Others Loan A/C Statement Loan Outstanding Statement Page 3 of 15

15 16 17 18 19 On-line Cash Transaction- deposit and withdrawal (Inter City) Up to BDT 50 k BDT 20 per transaction Above BDT 50 k to BDT100 k BDT 50 per transaction Above BDT 100 k to BDT.500 k BDT 100 per transaction Above BDT 500 k to BDT 1,500 k per transaction Above BDT 1,500 k BDT 1,000 per transaction On-line Cash Transaction- deposit and withdrawal (Within City) Any amount Local Funds Transfer Fee/Commission i) Upto BDT 10,000 BDT 25, *Pay Order issue- Customer ii) BDT 10,001 to BDT 100,000 BDT 50, iii) Above BDT 100,000 BDT 100 *Pay Order issue - Non Customer on any amount *Demand Draft (DD) issue - 0.15% of the DD amount, min BDT 100, Customer Maximum BDT 1500 *Demand Draft (DD) issue - Non Customer 0.15% of the DD amount min, Issuance of Duplicate instrument Issuance of Duplicate instrument BDT 100 + stamp charges for indemnity Pay Order(PO) bond Issuance of Duplicate instrument + including stamp charges for Demand Draft (DD) indemnity bond Cancellation of Local Funds Transfer Cancellation of DD Cancellation of Pay Order Cancellation of Bangladesh Bank Cheque Stop payment on clearing cheque (per instruction) Stop payment on cash cheque (per instruction) Stop payment on entire cheque book (per instruction) Standing Instruction (SI) Standing Instruction (SI) creation charge SI for transfer of funds between accounts within the branch of the same customer SI for transfer of funds within city branches of the same customer BDT 100 BDT 100 BDT 300 BDT 100 for execution of each instruction. No charge for transfer of fund any deposit account to scheme account. SI for transfer of funds to other banks BDT 100 + PO/DD charges applicable Page 4 of 15

Failure of SI due to insufficient fund Amendment of SI No fee BDT 50 20 Cancellation of SI BDT 50 Outward Remittance- FCY Commission 0.15% of FDD amount, FCY Draft Issuance- Customer min BDT 500 + Foreign Correspondence Charges Commission 0.15% of FDD amount, FCY Draft - Non Customer min BDT 1,000 + Foreign Correspondence Charges FCY Draft Amendment, Stop Cheque Foreign Correspondence Charges Additional SWIFT charge if FDD amount is over us$1000.00 / GBP BDT 300 700.00 / Singapore $ any amount. FCY Draft on Bangladesh Bank (for clients) BDT 300 Commission FCY TT through correspondent - customer Commission FCY TT through correspondent - Non customer Additional SWIFT charges if TT is not through correspondent BDT 300 0.15% or min BDT 500 + Swift Charge + Foreign Correspondence Charges 0.15% or min BDT 1,000 + Swift Charge + Foreign Correspondence Charges Correspondence bank fees for Student Remittance in all cases BDT 2,000 for all currencies 21 22 Issuance of counter FC draft in favor of local banks per instance to be deducted from remitted fund Cancellation of Draft / FTT BDT 500 + Foreign correspondence FCY Draft Cancellation charges BDT 750 + Other Bank Charges at TT Cancellation actual Foreign remittances(inward) a) BDT 0.25 per US$, b)bdt 0.25 per Purchase of foreign bank drafts. EURO c) BDT 0.40 per GBP d)in all other currencies at per with US$. Payment of any taka drafts issued by exchange house/foreign bank in abroad which are drawn on our No fee bank.(this shall include payment in cash, through account, transfer or by clearing) Page 5 of 15

23 24 25 Encashment of any foreign TT in taka at our counter. Encashment of FC Draft /MT Issuance of FC Draft remtt. Arrangement drawn on Bangladesh Bank Issuance of FC Draft drawn on Bangladesh Bank Collection of proceeds from local banks of any draft in F.C. which are collected outside clearing house. Collection of foreign currency draft from abroad. Endorsement fee Customer Endorsement fee Non Customer No fee Foreign Bank charges at actual plus service charges BDT 300 BDT 500 flat BDT 500 per instrument At actual of postage & other charges etc.plus BDT 250 from the collected proceeds. Issue of FCY Notes BDT 500 Commission on sale of cash FCY notes Customer 0.50% or Minimum BDT 300 Commission on sale of cash FCY 0.5% or Minimum BDT 500 notes Non Customer FCY (Cash) Encashment Cash FCY encashment No fees Encashment certificate Customer BDT 100 Encashment certificate - Non Customer Cheque for Collection - Local Currency (LCY) Own Bank's Cheque deposit any amount (one city to another) LCY chq collection within clearing house LCY chq collection where there is no clearing house ( Bank Area) Outstation chq collection. commission (within Bank branches clearing zone) Outstation chq collection. commission-(outside bank branches clearing zone) At actual cost, min BDT 50 per case 0.10%, min BDT 100, maxi BDT 1,000 0.15%, min BDT 150, maxi BDT 1,500 Page 6 of 15

26 27 Outward clearing cheque - No fees returned/unpaid for insufficient fund Outward clearing cheque - No fees returned/unpaid for other reason Inward clearing cheque returned/unpaid for insufficient fund BDT 500 only Inward clearing cheque returned/unpaid for insufficient fund BDT 500 only-other reason Cheque for Collection - Foreign Currency (FCY) FCY cheque collection (within 0.10%, min BDT 150, max BDT. 1,000 + Bangladesh) Other Bank Charges FCY cheque collection (outside 0.10%, min BDT 300, max BDT 2,000 + Bangladesh) postage applicable FCY cheque returned unpaid sent BDT 300 + Other Bank charges on collection (Within Bangladesh) FCY cheque returned unpaid sent BDT 300 + Other Bank charges on collection (Out Side Bangladesh) Cheque Purchase (FCY / LCY) 0.50%, min BDT 300, max BDT 1000+ Commission - LCY cheque Other Bank charges + Courier/Postage purchase Charges applicable Commission - FCY cheque purchase 0.50%,min BDT 500, max BDT 1000+ Other Bank charges + Courier/Postage Charges applicable Charge for return of FCY cheque BDT 300 Interest from the date of purchase As per lending rate Lien Mark & Security Encashment 28 Other Bank's instrument kept under lien in our Bank BDT 250 Our Bank's instrument kept under lien in other Bank BDT 250 Other Bank's instrument encashment BDT 500 Cards Credit Card (VISA) 29 Annual Fee( Primary Card) Classic- BDT 1,000, Gold- BDT 1,800, Dual- BDT 2,000 Annual Fee- Supplementary Card Annual Fee- Supplementary Card - 2nd to 4th card Classic- BDT 500, Gold- BDT 750, Dual- BDT 1,000 Card Replacement Fee Classic- BDT 300, Gold- BDT 400, Dual- BDT 500 Late Payment Fee Classic-, Gold- BDT 300, Dual- BDT 700 Over Limit Fee Classic-, Gold- BDT 300, Cash Advance Fee- On us ATM Dual- BDT 700 N/A Page 7 of 15

30 31 Cash Advance Fee- Off us ATM whichever is higher Classic- 2% or BDT 130, Gold- 2% or BDT 130, Dual- 2% or BDT 130 (Local) or $2 (Foreign) Balance Transfer Fee 1% Statement Retrieval Fee N/A Voucher Retrieval Fee Classic- BDT 100, Gold- BDT 100, Dual- BDT 140 Out of Town Cheque Collection Fee Classic- BDT 50, Gold- BDT 50, Dual- BDT 140 Cheque Return Fee Classic- BDT 100, Gold-, Dual- BDT 350 Certificate BDT 150 PIN Replacement Fee Classic-, Gold- BDT 300, Dual- BDT 400 Duplicate Statement Fee Card Cheque Book Fee- 12 Leaves Second one onwards (First Book ) Classic- BDT 50, Gold- BDT 50, Dual- BDT 140 Card Cheque Book Fee- 25 leaves BDT 400 Card Cheque Processing Fee 1% Debit Card Annual fee BDT 500 per annum Card replacement fee BDT 300 per replacement PIN replacement fee per replacement Cash withdrawal at MTB ATM's N/A Cash withdrawal at DBBL ATM N/A Prepaid International (Primary Card) $ 20 Prepaid International $ 10 (Supplementary Card) Prepaid Gift Card BDT 500 Other Services - All Account Student File For SAARC countries - Customer BDT 3,000 Renewal (SAARC) BDT 3,000 For other than SAARC countries - Customer BDT 4,000 Renewal (other than SAARC) BDT 4,000 Lockers Fees - Small Fees - Medium Fees - Large Replacement of key ( Lost / Damage) BDT 2,000 + Insurance Premium BDT 2,500 + Insurance Premium BDT 3,000 + Insurance Premium At actual + BDT 1,000 Page 8 of 15

32 Certificates / Reports Half yearly balance confirmation certificates Fee Additional balance confirmation certificates Balance Certificate for Loan Duplicate Balance Certificate for Loan - Following Day Issuance of solvency certificate BDT 500 Certificate for inward remittance Certificate of encashment of Bonds/Securities BDT 100 Bank certificate required by BO account holders BDT 100 Application/Confirmation of test(applicable for other banks only) BDT 500 per new test or confirmation. Duplicate savings certificate/ declaration in lieu BDT 300 per instance Obtaining credit report on behalf of local customer Duplicate Statement through call BDT 100 + Additional per centre, by direct mail, 3 W days previous year required Current year Bank Statement Verification (Request by other banks and embassies) Credit Card Certificate Fee Telex/ SWIFT/ FAX Within Country: Telex BDT 75 Fax per page BDT 25 Outside Country: Telex At actual minimum BDT 300 SWIFT At actual minimum BDT 300 Fax per page BDT 50 Postage / Mail / Telephone Registered cover At actual, Minimum BDT 25 Courier within city BDT 20 Courier- inter city BDT 30 Courier - outside country Courier s actual charges + BDT 50 Telephone charge BDT 50 Page 9 of 15

33 BDT 50 per parcel for 1st 10 days & Parcel additional BDT 5 for every subsequent 10 days or part thereof. SMS Banking Annual Fee Balance enquiry A/C Statement enquiry Call centre (Phone banking) Charges of Privilege Customers Maintenance Fee 1 Current Account SND Account Savings / Inspire / Senior Account / Ruby Over Draft A/c FCY A/c 2 Charges for Transfer of A/c Current Account SND Account Savings / Inspire / Senior Account Cheque book issue Fee 3 Current / SND / Savings / Inspire / Senior Account / Ruby Deposit Schemes Charges for Transfer of A/c 4 All Scheme A/c 5 A/c Statement Charge Current/ Saving/ Savings Type Account/ SND/ Ruby / Over Draft- Regular Statement ( half yearly basis) Account statement on Deposit schemes Duplicate statement (Less than or equal to 12 months) Stop printing of statement/ Hold Mail (per instruction) MTB Bank Statement verification (when those are sent to us for verification by embassies, other bank etc) Page 10 of 15

6 Pay Order issue- Customer/ Demand Draft (DD) issue Customer/ Bangladesh Bank cheque issuance 7 Issuance of Duplicate instrument (PO/DD/SDR) Local Funds Transfer Fee/Commission Issuance of Duplicate instrument Cancellation of Local Funds Transfer 8 9 10 Cancellation of PO/ DD/ Bangladesh Bank cheque Stop payment on Clearing Cheque/ Cash Cheque / Entire Cheque Book (per instruction) Standing Instruction (SI) creation charge (any transaction) SI for transfer of funds between accounts within the branch SI for transfer of funds within city branches SI for transfer of funds between inter city branches SI for transfer of funds to other banks Failure of SI due to insufficient fund Amendment of SI Cancellation of SI Payment of any taka drafts issued by exchange house/foreign bank in abroad which are drawn on our bank.(this shall include payment in cash, through account, transfer or by clearing) Encashment of any foreign TT in taka at our counter. Standing Instruction (SI) Foreign remittances (Inward) Page 11 of 15

Issue of Travelers Cheque (TC) / FCY Notes 11 Endorsement fee Customer 12 Cash FCY encashment FCY (Cash) Encashment Encashment certificate Customer Cheque for Collection - Local Currency (LCY) 13 Own Bank's Cheque deposit any amount (one city to another) LCY chq collection within clearing house LCY chq collection where there is no clearing house ( Bank Area) Outstation chq collection. commission (within Bank branches clearing zone) Outstation chq collection. commission-(outside bank branches clearing zone) Outward clearing cheque - returned/unpaid for insufficient fund Outward clearing cheque - returned/unpaid for other reason Inward clearing cheque returned/unpaid for insufficient fund only Inward clearing cheque returned/unpaid for insufficient fund only-other reason 14 Lien Mark & Security Encashment Other Bank's instrument kept under lien in our Bank Our Bank's instrument kept under lien in other Bank Other Bank's instrument encashment Loans & Advance MTB Personal Loan 15 Loan processing fee 1.00 % of loan amount Early settlement fee 1.00 % of loan amount 16 MTB Auto Loan Loan processing fee 0.50% Early settlement fee 1.00% Page 12 of 15

17 18 MTB Home Loan Loan processing fee 0.75% Early settlement fee 1.00% Cash Transaction- deposit and withdrawal (Inter City) Up to BDT 50K Above BDT 50K to BDT 100K Above BDT 100K to BDT 500K Above BDT.500K to BDT 1,500K Above BDT 1,500K Cash Transaction- deposit and withdrawal (Within city) 19 CARDS Credit Card 20 Annual Fee( Primary Card) Annual Fee- Supplementary Card Annual Fee- Supplementary Card 2 nd to 4 th card Card Replacement Fee Voucher Retrieval Fee Out of Town Cheque Collection Fee Cheque Return Fee Certificate PIN Replacement Fee Duplicate Statement Fee Card Cheque Book Fee- 10 Leaves Card Cheque processing fee 0.5% Debit Card 21 Annual fee Card replacement fee PIN replacement fee Prepaid International (Primary Card) Prepaid International (Supplementary Card) Prepaid Gift Card Other Services 22 Student File For SAARC countries - Customer Renewal (SAARC) For other than SAARC countries - Customer Renewal (other than SAARC) Page 13 of 15

23 Fees - Small Lockers Fees - Medium 24 Fees - Large Replacement of lost keys Certificates / Reports Half yearly balance confirmation certificates Additional balance confirmation certificates Balance Certificate for Loan Duplicate Balance Certificate for Loan-Same Day Duplicate Balance Certificate for Loan - Following Day Certificate for AIT Issuance of solvency certificate Credit/Solvency information (International) Certificate for inward remittance Certificate of encashment of Bonds/Securities Bank certificate required by BO account holders Application/Confirmation of test(applicable for other banks only) Duplicate savings certificate/ declaration in lieu Duplicate advice more than 6 months old (per advice) Obtaining credit report on behalf of local customer Duplicate Statement through call centre, by direct mail, 3 W days required Current year Bank Statement Verification (Request by other banks and embassies) Credit Card Certificate Fee Fees for loan closure certificate Page 14 of 15

25 26 Annual Fee Balance enquiry A/C Statement enquiry Internet Banking Bill payment service - Each bill payment - Including each additional account - CASA new accounts only (one - time) Arranging / handling refunds - Stop cheque instruction - Delivery of B/C within the City - Standing instruction initiation (each) - Modify standing instruction - PIN change (if customer forgets or requests of new one) - Telebanking - SMS Banking Annual Fee Balance enquiry A/C Statement enquiry Call Centre (Phone Banking) i) * Bank will charge commission of BDT 10 only for issuing Draft/Pay Order (not exceeding BDT 500) in connection with application by the students/unemployed youth for employment ii) iii) VAT will be realized as per government rules Bank reserves the right to change/amend this Schedule of Charge as per Bangladesh Bank guideline which would be updated on www.mutualtrustbank.com Note: Managing Director/CEO will have the discretion to change (enhance/reduce/waive) the commission/charges according to Banker- Customer relationship. Page 15 of 15