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Measures by Commercial Banks with effect from 1st April to 30 June, 2020

Individual customers • Retail loan customers who have been placed on unpaid leave by their employers can approach the bank for repayment holiday of up to three months with zero interest and fees • Customers who have availed personal loans, auto loans or mortgages can apply for a one month repayment holiday with zero fees • All first time home buyers can benefit from a 5% increase in the Loan-to-Value ratio (LTV) and full waiver of processing fees. • A refund of charges on cash withdrawals done using debit cards on all ATMs of other banks across the UAE • Credit card customers can benefit from interest-free installment plans for all school fee payments as well as grocery purchases with no processing fees for up to 6 months. This is in addition to existing attractive low interest, installment plans available for higher tenors across all retail purchases. • Customers who may need to cancel their travel bookings done on their credit and debit cards will receive a refund of the foreign currency transaction fees charged by the bank. • Customers using credit cards for cash withdrawals will enjoy 50% reduction in the cash advance charges.

Small Business Customers: • Small business customers who have availed merchant loans, equipment loans or business vehicle loans and have been impacted by the ongoing COVID-19 situation, can apply for a repayment holiday of 3 months with zero interest and fees • Reduction of the monthly minimum balance required for basic business banking account to AED 10,000. Also the minimum balance charges for the basic business banking account will be waived for a period of 3 months.

Business Banking Customers:  Business Banking customers with working capital facilities who are impacted by the ongoing Covid 19 situation are encouraged to contact their respective relationship managers to achieve an optimal financial solution Wholesale Banking Clients:  Relief measures prioritise key industry sectors contributing to the UAE economy that have been most affected in the current situation, including healthcare, aviation, hospitality, retail, event management, consumer goods and education, by offering refinancing, repayment deferrals or lower repayments where required.  Reduced bank charges for digital trade transactions for all trade finance customers. Customers using the digital platforms are offered a significant reduction in transaction processing and handling fees and new activations at zero cost for the next three months.  The banks are also providing their customers with enhanced credit and trade lines to manage ongoing operational costs. Trading clients  The banks have announced support for affected customers trading in the UAE bourses by offering suitable instalment payment plans against additional collateral to help them regularise their margin trading positions.  Respective Relationship Managers will continue to work alongside and support customers faced with margin calls on their share portfolios.

Measures by Islamic Banks with effect from 1st April to 30 June, 2020

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