NATIONAL INVESTMENT BANKYour Business Is Our Business

2020 TARIFFS

Gh-Link EMV CardGh-Link EMV Card Sta�MasterCard Platinum*MasterCard GoldMasterCard StandardMasterCard PrepaidMasterCard World Business*MasterCard Sta�E-zwich Service

Sign-On Fee (GHS)Free (card charges apply for replacement)GHS 30GHS 20GHS 15GHS 15GHS 15Free (card charges apply for replacement and reissue)GHS 15

Maintenance Fees (GHS)FreeFreeGHS 10.00/mthGHS 5.00/mthGHS 3.00/mthGHS 5.00 per loadGHS 10.00/mthFreeFree

E-PRODUCTS

CARD ISSUANCE1

ATM & POS/E-Commerce2 On-Us ATM Fee (GHS) Remote-On-Us (Domestic - GHS)

Other Bank ATM (International - USD.

E-Commerce/ POS (International - USD)

USSD & POS/E-Commerce3

Internet Banking / E-Statements / SMS Alerts/ E- Alerts4

Mobile Banking (USSD)

CURRENT ACCOUNT PRODUCTS

5

RETAIL BANKING

6

Gh-Link CardMasterCard Platinum*MasterCard GoldMasterCard StandardMasterCard PrepaidMasterCard World Business*MasterCard Sta�E-zwich Service

Deployment of NIB POSATM O�-Us Surcharge (MasterCard)International Currency Conversation Rate (ICCR)

Airtime PurchaseFunds Transfer within NIBTransfer NIB account to other banksTransfer from NIB account to MM Wallet

2.50%GHS 4.005%From 1.00 to 1,000.00 = 0.5%;>1,000.00 = GHS 5.00Individuals: GHS 4.00SME: GHS 8.00Corporate: GHS 15.00

E-zwich CashoutBundled Services: USSD, Internet Banking, E-Alert, SMS Alert, E- Statement, ATM Withdrawal

FreeFreeFreeFreeFreeFreeFree

GHS 3GHS 2.00 + 0.5%GHS 2.00 + 0.5%GHS 2.00 + 0.5%GHS 2.00 + 0.5%GHS 2.00 + 0.5%GHS 2.00 + 0.5%N/A

N/AUSD 2 + 2.5%USD2 + 2.5%USD2 + 2.5%USD2 + 2.5%USD2 + 2.5%USD2 + 2.5%N/A

N/A2.50%2.50%2.50%2.50%2.50%2.50%N/A

Maintenance: Monthly e-Bundle Charge:Individual: GHS 4.00 SME: GHS 8.00Corporate: GHS 12.00

FreeFree1% max GHS 5.001% max GHS 10.00

Individual Current AccountMin Opening Deposit Monthly Maintenance Charge

Individual Current Account - Excel AccountMin Opening DepositMonthly Maintenance Charge

GHS 50.00Min GHS 10.00, GHS 1,000,000 and above = GHS 48

GHS 50,000.00GHS 100.00

GHS 5,000.00GHS 60.00

PRODUCT/ FEATURES

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Individual Current Account - Excel Platinum Black Min Opening Deposit Monthly Maintenance Charge

Individual Current Account – FEA7

Individual Current Account – FCA8

SAVINGS ACCOUNT PRODUCTS

Individual Savings Accounts9

13

14

Student Account10

11

Min Opening DepositTransaction Charge

Min Opening DepositMin Operating BalanceMin Interest Balance

Min Opening DepositMin Operating BalanceMin Interest Balance

Min Opening DepositMin Operating Balance

Transaction Charge

USD200 EUR 200 GBP2002.5% on forex withdrawals where payment is against Cheques/Transfer

2.5% on forex withdrawals; no charge on cedi withdrawals

GHS 50.00GHS 50.00GHS 1,000.00

GHS 20.00GHS 20.00GHS 500.00

Non Resident Account - Homebound

12 Trust Account

GHS 300.00GHS 200

Min Opening Deposit Min Operating BalanceMin Interest Balance

GHS 50.00GHS 50.00GHS 500.00

Min Opening DepositTransaction Charge

USD 200 EUR 200 GBP 2002.5% on forex withdrawals; no charge on cedi withdrawals

Corporate Current Account – FCA15

Min Opening Deposit

Transaction Charge

USD 200 EUR 200 GBP 200

Min Opening Deposit

Monthly Maintenance Charge

E-Bouquet: USSD, Internet Banking, E-Alert, SMS Alert, E-Statement, ATM Withdrawal

GHS 100.00GHS 1.00-1,999,999 = GHS48 GHS 2.0million - 2,999,999 = GHS 96 GHS 3 million and Above = GHS244.00

GHS 12.00

2.5% on forex withdrawals;No charge on cedi withdrawals

Corporate Savings Account 16

Quarantee Charges17

Min Opening Deposit Min Operating Balance Min Interest Balance

Line of Credit Bid Security Insurance

GHS 5,000.00GHS 3,000.00GHS 5,000.00

GHS 500 flat2% or Min GHS500.000.65%-2.25% for Retail and Corporate

Corporate Current Account

Corporate Current Account – FEA

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CORPORATE BANKING

SME Current

SME BANKING

20

OTHER SERVICES22

Safe Custody23

Predisbursement Charges18

Performance & Advance Mobilization Guarantees19

Processing Fee (1.5%) Commitment Fee (1.5%) Monitoring Fee (0.5%) Keyman's Insurance Policy with GLICO(0.65%)Stamping of Deed of Undertaking if any (0.25%) Stamping of Deed of Lien if any (0.25%) Stamping of Deed of Directors Guarantee (0.25%) Stamping of Deed of Mortgage (0.25%)Upstamping of Deed of Mortage (0.25%) Collateral RegistrationPlotting and RegistrationLegal FeeStamping of Heads of Agreement

Processing Fee (1.5%)Commission (4.0%)Keyman's Insurance Policy with GLICO(0.65%)Stamping of Deed of Undertaking if any (0.25%)Stamping of Deed of Lien if any (0.25%)Stamping of Deed of Indemnity (0.25%)Stamping of Deed of Mortgage (0.25%)Stamping of Deed of Asgt & Gen. Charges (0.50%)Stamping of Deed of Directors Guarantee (0.25%)Collateral RegistrationPlotting and RegistrationLegal FeeStamping of Heads of Agreement

SME Savings21

Min Opening Deposit

Monthly Maintenance Charges

E-Bouquet: USSD, Internet Banking, E-Alert, SMS Alert, E-Statement, ATM Withdrawal

Min Opening Deposit Min Operating Balance Min Interest Balance

Express (CCC)Normal (CCC) (NIB -NIB Account)Direct Credit (ACH) - BulkDirect Credit (ACH) - IndividualDirect Credit (ACH) - CorporateExpress Direct Credit (ACH) - BulkExpress Direct Credit (ACH) - IndividualExpress Direct Credit (ACH) - CorporateACH (Inwards)SWIFT

Envelopes ParcelsBoxes

1.50%1.50%0.50%0.65%0.25%0.25%0.25%0.25%0.25%GHS 20GHS 65GHS 500GHS 46

1.50%4.00%0.65%0.25%0.25%0.25%0.25%0.25%0.50%GHS 20GHS 65GHS 500GHS 46

GHS 8.00

GHS 300.00GHS 200.00GHS 2,000.00

GHS 50.00 minimumFreeGHS 3.00 per transactionGHS 10.00 per transactionGHS 15.00 per transactionGHS 3.50 per transactionGHS 10.00 per transactionGHS 20.00 per transactionGHS 2.00 per transactionGHS 30.00 per transaction

GHS 50GHS 100GHS 150

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GHS 100.00GHS 1.00-1,999,999 = GHS 48 GHS 2.0million - 2,999,999 = GHS 96 GHS 3 million and Above = GHS 244.00

Document Retrieval / Cheque Voucher Retrieval24

Up to 3 monthsBetween 3mths - 1yearBetween 1year - 3yearsBetween 3years - 10yearsCertificate of Balance to Auditors

GHS 20GHS 30GHS 50GHS 100GHS 50

Salary Processing25

Presentment: Cheques other than in-house:Presentment: In-house cheques:Standing Orders (External)Insurance Direct DebitPresentment Internal (NIB Account to NIB Account)SWIFT (Inward Transfers via GIS)

GHS 3.00GHS 30GHS 3.003%FreeGHS 3.00

Cheque Books 26

Cheque Books - Fast Track27

Savings Withdrawal BookCurrent Personal 25 LeafletsCurrent Personal 50 LeafletsSME/Corporate (50 Leaflets)Corporate 100 LeafletForeign Currency Account (25)Foreign Currency Account (50)Foreign Currency Account (100)Over the counter cheque leafletSavings Withdrawal (Counter)

GHS 10GHS 12GHS 20GHS 20GHS 40USD 7, GBP 5, EUR 6USD 10, GBP 8, EUR 8.5USD 15, GBP 12, EUR 12.5GHS 15GHS 6

Regular statements/electronicMonthly e-statement - individualDuplicate statements/statement request

Visa statement request

GHS 3 per sheetFreeGHS 3 per sheetLegacy statement @ 12.00 per sheet

GHS 10 per sheet

Returned Cheques28

Insu�cient Funds (Refer to Drawer)

Other Technical Reasons (Wrong delivery, wrong amount encoding, wrong micr encoding, dup. chq.

Stop Cheque LeafletStop Cheque BookProcessing fee on returned cheque

Savings Withdrawal Book GHS 12Current Personal 25 Leaflets GHS 15Current Personal 50 Leaflets GHS 25SME/Corporate (50 Leaflets) GHS 25Corporate 100 Leaflet GHS 25Foreign Currency Account (25) USD 9, GBP 7, EUR 8Foreign Currency Account (50) USD 12, GBP 10, EUR 12Foreign Currency Account (100) USD 17, GBP 14, EUR 16

10% of face value or minimum GHS 25 whichever is higher

Free

GHS 50GHS 50GHS 5.00

Statements29

New Loan - Facility / Processing feeCommitment feesOverdraft Processin FeeEarly Settlement Fee

1.5% For Retail Loans Min. GHS 60.001.5% For Both Corporate & Individual1.50%1 Month Interest

Personal Loans30

CustomerNon CustomerSchool Fees Payment

0.25% Of Face Value Min GHS 10 Max GHS 75Minimum GHS 20.00 - Maximum GHS 150.00 or 0.50% of face valueGHS 5

Bank Draft / Payment Order31

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IMPORT COLLECTIONS34

Payment Commission GHS A/CPayment Commission FCA A/CPayment Comm. Other Forex sourceBill of Lading IndemnityHandling chargesSwift ChargesCorresponding Bank ChargesReminder for Overdue BillTransfer to Other Banks - CustomerTransfer to Other Banks - Non- CustomerAvalisation

0.75% Min. USD 30.000.50% Min. USD 30.000.65% Min. USD 30.001%USD 30.00USD 25.00USD 30.00FreeUSD 100USD 30.001% p.qtr

INCREASE IN LC AMOUNT35

Sight - Cash Cover provided by CustomerSight - Cash Cover provided by BankDeferred Payment

1.25%1.50%1.75%

EXTENSION OF LC EXPIRATION DATE36

Sight with cash coverSight without cash coverDeferred

USD 100USD 100USD 100

OTHER LC CHARGES37

LC AmendmentLC ConfirmationLC CancellationExpired unutilized LCDiscrepancyOther Swift charge amendment

USD 100USD 501% per quarter Min USD 100.00USD 150.00USD 25.00

EXPORT LC TYPE38

Advising FeeConfirmationNegotiationCancellationExpired UnutilizedPayment / DrawingCourierDiscrepancy

USD 100.001% per quarter1.50%USD 100.00USD 100.001% Min $100USD 100.00USD 150.00

EXPORT COLLECTIONS39

Handling chargesCourierNegotiation

USD 40.00USD 100.001.50% Min. USD 100.00

OUTWARD TRANSFER40

Comm. On transfer (GHS A/C)Comm. On transfer (FCA)Comm. On transfer (FEA)Swift chargesCorresponding Bank Charges

0.75% Min. USD 30.000.50% Min. USD 30.000.65% Min. USD 30.00USD 25.00USD Trf to US - USD 20, Others - USD 30GBP - 15, EUR - 30

DOCUMENTARY LETTER OF CREDIT - IMPORTSL/C ESTABLISHMENT COMMISSIONSight - Cash Cover provided by CustomerSight - Cash Cover provided by BankDeferred Payment LCSwift charges LC Establish

0.5% Min USD 100.001.25% Min USD 100.001.75% Min USD 100.00USD 25

33 INTERNATIONAL TRADE AND PAYEMENTS

Page 6

DRAFTS43

O�shore Bank DraftStopped Draft (USD)Stopped Draft (GBP)Stopped Draft (EUR)Returned/Stopped chequeDraft Issue Comm.

Local FX transfer (MT205/299)

1% Min. USD 20: Max. USD 100.00USD 25.00EUR 15.00USD 20.00USD 25.00; GBP 15; EUR 20.00USD, GBP & EUR 0.65Min. USD30.00, GBP 15.00, EUR 25.00

0.75% min. USD 30 - max. USD 200Min. USD3 0.00, GBP 15.00, EUR 25.00

INVESTMENT44

Fixed Deposit Min. Treasury Bill Min. Call Deposit

GHS 5,000.00GHS 100.00Min. GHS 100,000.00

INWARD REMITTANCE41

Cash withdrawal 2.50%

FX CHEQUE CLEARING42

Cheques drawn on Banks in Ghana Free