GENERAL GOLD CARD CLASSIC CARD SMART TRAVELLER GOLD CARD SMART TRAVELLER CLASSIC CARD RBS JUMBO CARD AL AMEERA CARD NRI CARD PLATINUM CARD WEEKEND CARD Payment due date from statement date 21 days 21 days 21 days 21 days 21 days 21 days 21 days 21 days 21 days Minimum amount due 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 5% or AED 100 (Whichever is higher) 7% or AED 100 (Whichever is higher) Cash advances 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit 50% of credit limit Maximum interest free days available (in case of 100% payment on or before due date) 51 days 51 days 51 days 51 days 51 days 51 days 51 days 51 days 51 days Installment deferral fee AED 25 AED 25 AED 25 AED 25 AED 25 AED 25 AED 25 AED 25 AED 25 FEES Annual fee for Primary card Free Free Free Free Free Free Free AED 650 Free Monthly maintenance fee for Primary card 10 10 10 10 10 10 10 Free 10 Annual fee for supplementary card Free Free Free Free Free Free Free Free Free Monthly maintenance fee for supplementary card Free Free Free Free Free Free Free Free Free Card replacement fee 100 100 100 100 100 100 100 100 100 OTHER FEE AND CHARGES Cash advance fee 3% of each advance amount or AED 60 (whichever is higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of each advance amount or AED 60 (whichever is advance higher) 3% of cash advance amount or AED 60 (whichever is higher) 3% of cash advance amount or AED 60 (whichever is higher) Finance charges on all types of transactions, calculated from transaction date till repayment (on average daily balance method) 2.89% per month 2.95% per month 2.89% per month 2.95% per month 2.95% per month 2.95% per month 2.95% per month 2.59% per month 2.99% per month Over limit charge 159 159 159 159 159 159 159 159 159 Late payment charge (if minimum amount due is not paid within the due date) 159 159 159 159 159 159 159 159 159 Duplicate statement* 50 per month 50 per month 50 per month 50 per month 50 per month 50 per month 50 per month 50 per month N/A Card closure letter issuance fee 50 50 50 50 50 50 50 50 50 Third party payment processing fee** 3 per transaction 3 per transaction 3 per transaction 3 per transaction 3 per transaction 3 per transaction 3 per transaction 3 per transaction 3 per transaction Returned cheque 95 95 95 95 95 95 95 95 95 Outstation cheque processing 50 50 50 50 50 50 50 50 50 Copy of sales voucher 50 50 50 50 50 50 50 50 50 Smart protection charges** 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding 0.89% of your monthly outstanding Early settlement charges N/A N/A N/A N/A N/A N/A N/A N/A N/A Processing fees for non AED transaction* 2.75% 2.75% 2.75% 2.75% 2.75% 2.75% 2.75% 2.75% 2.75%

Important Information

All fees and charges mentioned in this guide are subject to change without notice.
No refund of annual fee will be made is card is terminated.
Additional expenses e.g. postage, cable, courier, fax, legal fees etc will be charges where incurred.
Charges for services not indicated in this guide are available on request.
Please refer to illustration of charges in the welcome booklet.
The Amount Due on each statement would be Payable in total.
*Customer's enrolled for E-Statements can get 1 free duplicate statement (of 3 months) in a calendar year on request.
*Customer's enrolled for paper statements can get a free recent month duplicate statement on request.
** Effective November 2009.