SPECIAL OFFERS FOR JKH EMPLOYEES

Nations Trust Bank consumer banking product and service propositions

offered exclusively for employees of John Keells Holdings (PLC)

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1.0 About us

Nations Trust Bank PLC is one of Sri Lanka’s fastest growing licensed commercial banks, offering a

multitude of solutions across Sri Lanka’s consumer, SME, corporate and institutional markets.

Our network of 93 branches, 134 ATMs and 54 leasing centers spread across 22 districts enables us to

serve over 500,000 customers and has provided us a strong platform to capture growth opportunities.

We are a technology driven Bank and the transformative ideas of our people combined with disruptive

technologies has allowed the Bank to effectively deploy online and mobile platforms to enhance

customer service. Our vision is to help people and businesses achieve today’s goals and tomorrow’s

aspirations!

2.0 Our reach

You could easily locate the nearest Nations Trust Branch/ATM via downloading the “Nations Maps”

application to your mobile.

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3.1 Digital Banking services Our state-of the art online banking, Mobile banking and SMS banking platforms are specially designed to

cater to suite your busy lifestyle and mobility. It

enables you to carry out a variety of transactions

including scheduling of fund transfers, bill payments,

other bank credit card payments, applying for vehicle

lease facilities and much more!

Our digital payment solutions

are fully secured provides safe

avenues to access your account

from any part of the world. The

bank has made numerous

investments in order to enhance the safety measured

of its digital products.

3.2Bank-at-your doorstep This is a unique service available for you to carry out your banking transactions from the comfort of your

home or office. You can carry out following transactions through this special service from 9am – 8pm

daily

Cash Collection/ Cash Deposit Services

Cardless Cash Collection/Cash Deposit

Cash Withdrawal/Cash Delivery Services

Third Party Cash Delivery Services

Document Collection Services

Outward Telegraphic Transfer Forms

Account Mandates

Credit Card Applications

Loan Applications

Lease Applications

ABS Forms

Collection of Bulk Rupee Cheques Services

Collection of Foreign Drafts Collection of

Travelers Cheques

Collection of Foreign Currency

Collection of Cash on Utility Bill payments

Collection of Cash for Credit Card Payments

Amex Credit Card Cash Advance/Cash Delivery Services

Collection of Lease Payments

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3.3 365-day-banking When you are banking with Nations Trust Bank, you need not worry about ‘Banking hours and holidays’.

Our special 365-day-banking service available at prime locations understands your life styles and is ready

to support you with your banking needs

Our 365 day banking branches are open at below locations:

Kiribathgoda

Kohuwala

Cinnamon Gardens

Hevelock town

Maharagama

Kandy

Kurunegala

ODEL Townhall

Peradeniya

Kandy City Centre

Negombo

Wattala

Crescat

Sri Sangaraja Mawatha

Thalawathugoda

Ambalangoda

Galle

Matara

Ratnapura

Jaffna

3.4 Extended banking hours

89 branches out of our 93 branch network island wide, offer extended banking

hours so that you need not rush to the bank in the middle of your busy

schedules during the course of the day for any banking transaction.

3.5 24X7 contact Centre

Our contact centre teams are always ready to assist you with any clarifications or product information

that you will need any time of the day.

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4.0 Customized product offering to JKH staff members

4.1 Salary package for JKH Staff Nations Salary saver product benefit if offered to all staff members of John Keells Holdings and the Inner

Circle and Private banking membership is offered management and senior management staff members.

Key benefits a JKH staff member will receive when transferring the salary to Nations Trust bank on top Of the normal benefits will include:

Description Nations Salary Saver Inner Circle Salary Saver Private Banking Salary Saver

Monthly gross salary criteria

Up to LKR 100,000/= LKR 100,000/= - LKR 300,000/=

LKR 300,000/= above

Minimum Balance in Account

Not Applicable for JKH Staff

Not Applicable for JKH Staff

Not Applicable for JKH Staff

ATM withdrawals Free – Any ATM Free – Any ATM Free – Any ATM

Debit Card - Joining fee Waived Waived Waived

Debit Card - Annual fee Waived for 2 years Waived for 2 years Free

Pre-Approved O/D Up to 1 month salary Up to 2 months salary Up to 2 month salary

Bank at your door step 1 transaction free per month

4 transactions free per month

6 transactions free per month

Standing Instruction No set-up fee No set-up fee No set-up fee

Leasing Facility Documentation charges waived

Documentation charges waived

Documentation charges waived

Preferential Fixed deposit rates

LKR Deposits – 0.5% FCY Deposits – 0.25% Above Normal Sheet

Rate

LKR Deposits – 0.5% FCY Deposits – 0.25% Above Normal Sheet

Rate

LKR Deposits – 0.5% FCY Deposits – 0.25% Above Normal Sheet

Rate

Pre Approved Credit Card

American Express Platinum Card – 1st Year

Free (JKH to Clear)

American Express Platinum Card – 1st Year

Free

American Express Platinum Card – 1st Year

Free

Personalized Cheque book

N/A Free of Charge Free of charge

Dedicated Customer Service hotline

0114 711411 Branch wide relationship officer

/0114 626262

Relationship Manger

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4.2 Credit Cards Nations Trust Bank is a pioneer in the Payment Solutions industry with its solutions for both Individual

and Corporate cardholders. With the strategic partnerships with Global Payment leaders such as

American Express, Diners Club International and MasterCard, Nations Trust Bank has a tailor made

solution according to the customer requirement.

Based on the monthly income of the customer, the Bank will assess the customer and issue an American

Express Credit Card along with a MasterCard Companion Card. The Companion Card could be obtained

as a shared limit card or a separate limit card.

As a cardholder the JKH customer will enjoy the following benefits on top of the normal offers and

benefits extended to our customers;

Description Offer

Product Type American Express / Master Platinum Credit Card

Joining Fees Waived Off

Annual Fees Waived off for 1st Year

Supplementary Cards Up to 3 cards issued Free

SMS Alerts Set Up Charges Waived off

Companion Card Platinum Master Credit card

Priority Pass (Overseas Lounge Access) Offered free With master card

Balance Transfer Option Balance transfer from other cards @ 1% - for 6 months or 0% for 3 months

Loan on Card 70% of card limit as an emergency loan for 12 months repayment any time.

Automatic Bill Payment option Set up charge waived off

Extended Settlement plans (ESP) One Vehicle Insurance premium payment on 0% ESP each year

Extended Settlement plans - Overseas Overseas transactions can be converted into interest free installment plans

Credit Card Payments could be done through online banking, Mobile Banking, Nations Trust Bank

branches, Keells Super Outlets, Commercial Bank Branches and Singer & Abans outlets.

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4.3 Travel Cards A special payment product designed by the bank for business and Leisure travelers or anyone who requires the safety and security of a foreign currency they carry as they travel and for corporate who look for more streamlined and smooth management of their foreign currency per diem disbursements to their staff. The Nations Trust Bank Chip and PIN Travel Card product can be issued to travelers with overseas Travel money requirements.

Access Dollars or Euros with Ease

Hedge against Exchange rate fluctuations

Convenience

Safe and Secure

Manage your Finances

Peace of Mind

Enhanced Value

Complimentary Travel Insurance cover each time the card is loaded with USD 1000 or more can also be provided for the respective travel. We at Nations Trust Bank PLC would also like to confirm and present the following Special offers to your valued customer segments.

Card Issuance fee waived off SMS alert fee waived off No stamp duty involved.

Fee category Fee

Load Fee 0.5% of the Load Value for JKH

Reload Fee 0.5% of the Load Value for JKH

ATM Withdrawals USD 2

Card Closure Fee USD 2

Local ATM Withdrawals 4 % on face value

NTB Over the Counter Withdrawals

Free

Cards Re-couriering Free Within Sri Lanka

Overseas Courier Fee LKR 3000/-

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4.4 Personal Loans Apply for a Personal Loan with Nations Trust Bank for any personal requirement such as wedding expenses, travelling and any other household requirement, professional education, child education, or even for other bank facility takeovers at the variable or fixed rates and enjoy the following additional benefits as a JKH Employee;

Description Generic Offer Offer for JKH

Processing fee LKR 5000/= and 7500/= Waived off

Loan value Up to LKR 5Mn Up to LKR 10Mn

Interest rate Salary based interest rate Nations Private banking segment rate across all salary bands

** Repayment tenor will be considered up to 60 months and flexible tenor option available. There is also

the option to apply for joint loans with the spouse.

4.5 Educational Loans

Flexible educational loans scheme for professional/ higher education or child education requirements. Direct pay order/ draft issuance and staggered disbursements can be arranged on demand.

Description JKH offer

Processing Fees Waived

Bank Draft Issuance 50% Waived

Early Settlement Fee Requirement Waived off

Customer Rate Private banking customer rate

Loan Value Up to 10Mn

Loan Application Individual Joint with Spouse or Children

Tenor Up to 60 month

Residual payment option Enabled for JKH

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4.6 Home Loans Enjoy the one-stop shop benefits with Nations Home Centre along with the personalized service offered by our dedicated Home Loan specialists.

Our Home Loan Centre offers you loans for a range of needs such as;

Buying your first home Buying another home Refinancing your existing loan Renovating your home Buying an investment property Managing your loan Building a new house Selling a house or property Equity loan facility

Our Home Loan Centre will assist you on pending documentation, valuation and clearance of legal documents and insurance clearance allowing you to experience a hassle free process.

Value Added Services Home Center offering for JKH Staff

Technical and legal counseling on property

Yes

Support to obtain local authority documents

Yes

Door Step Service Yes

Tripartite Agreement options for with leading condominium developers

Yes

Home Loan Specialist support till you move in to the house

Yes

Investment analysis and guidance Yes

Loan Value Up to LKR 50Mn

Loan Tenor Up to 25 yrs

Legal and Processing fee LKR 20,000 waived off

Deals on Insurance Best deals for insurance

Pre-approved Personal loan facilities Yes

Loan value on property Up to 80% of property force sale value

Interest Rate Nations Private banking customer rate

4.7 Bancassurance Investment and life policy options offered with special rates according to the requirement and customer

especially for JKH employees.

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4.8 Family banking We also offer a wide variety of savings schemes to suite your overall family banking requirements.

4.8.1 Nations Personal Investment plan

A special Investment scheme accruing guaranteed interest rate of 8% p.a coupled with a life insurance

cover up to Rs.2 million. Nations Personal Investment Plan is the ideal savings scheme to build a pool of

funds for future financial requirements.

4.8.2 Nations Kidz Investment Plan

Another savings plan that enables you to allocate a fixed sum of money on a monthly basis for your

child’s educational needs. Nations Kidz Investment plan offers a guaranteed interest rate of 10% p.a.

with a life insurance policy up to Rs.2 Million for the guardian.

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5.0 Privileged banking propositions

5.1 Private Banking The Private Banking segment at Nations Trust Bank offers you exceptional attention and an unparalleled

service with a total financial services package with exclusive benefits.

5.2 Inner Circle

Eligibility for JKH staff Salary Transfer of 300,000/- or above Or Total relationship of LKR 10 Million in both deposits and borrowings with the bank OR Total deposits exceeding LKR 5 Million OR REPOs of LKR 20 Million and above and any type of transaction account with no minimum balance requirement

A host of delightful benefits to help enrich

your life and prepare you to accomplish your

financial aspirations throughout your journey

of life

Eligibility for JKH staff

Total deposit portfolio of Rs.500,000 or

minimum regular monthly gross salary of

Rs.100, 000 and remit at least Rs.75,000/- to

the Nations Salary Saver account monthly

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6.0 Dedicated service points

6.1 Dedicated digital branch Fully-fledged digital Inner Circle Smart branch equipped with digital banking services, cash deposit

machines, ATM and a skilled team of staff members

is dedicated to serve all JKH staff members for all

their routine banking requirements.

Our digital Smart Inner Circle branch is located at

World Trade Center operating for extended banking

hours for your convenience.

6.2 Dedicated service agent We offer a one-stop-shop service for all your new-joiners by fulfilling the application process for their

salary accounts, Debit card/Credit Card requirements, online, mobile, SMS banking facilities, e-

statement, current accounts, overdraft facilities and assist with the documentation process for all

Personal, Home loan, leasing all other financial requirements of all JKH staff members and ensure

smooth delivery of all our banking products and services to your staff members

6.3 Private Banking Center access All Private banking customers will have access to our private banking center located at Cinnamon

Gardens Colombo 07.

6.4 Digital Self Service Kiosk and ATM The existing ATM location will be enhanced to serve the JKH staff members better to manage their

financial requirements with ease of access.