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SPECIAL OFFERS FORJKH EMPLOYEESNations Trust Bank consumer banking product and service propositionsoffered exclusively for employees of John Keells Holdings (PLC)

1.0 About usNations Trust Bank PLC is one of Sri Lanka’s fastest growing licensed commercial banks, offering amultitude 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 toserve 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 disruptivetechnologies has allowed the Bank to effectively deploy online and mobile platforms to enhancecustomer service. Our vision is to help people and businesses achieve today’s goals and tomorrow’saspirations!2.0 Our reachYou could easily locate the nearest Nations Trust Branch/ATM via downloading the “Nations Maps”application to your mobile.2

3.1 Digital Banking servicesOur state-of the art online banking, Mobile banking and SMS banking platforms are specially designed tocater to suite your busy lifestyle and mobility. Itenables you to carry out a variety of transactionsincluding scheduling of fund transfers, bill payments,other bank credit card payments, applying for vehiclelease facilities and much more!Our digital payment solutionsare fully secured provides safeavenues to access your accountfrom any part of the world. Thebank has made numerousinvestments in order to enhance the safety measuredof its digital products.3.2Bank-at-your doorstepThis is a unique service available for you to carry out your banking transactions from the comfort of yourhome or office. You can carry out following transactions through this special service from 9am – 8pmdaily Cash Collection/ Cash Deposit Services Loan Applications Cardless Cash Collection/Cash Deposit Lease Applications Cash Withdrawal/Cash Delivery Services ABS Forms Third Party Cash Delivery Services Collection of Bulk Rupee Cheques Services Document Collection ServicesCollection of Foreign Drafts Collection of Outward Telegraphic Transfer FormsTravelers Cheques Account Mandates Collection of Foreign Currency Credit Card Applications 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 Payments3

3.3365-day-bankingWhen 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 readyto support you with your banking needsOur 365 day banking branches are open at below locations: Kiribathgoda ODEL Townhall Thalawathugoda Kohuwala Peradeniya Ambalangoda Cinnamon Gardens Kandy City Centre Galle Hevelock town Negombo Matara Maharagama Wattala Ratnapura Kandy Crescat Jaffna Kurunegala Sri Sangaraja Mawatha3.4Extended banking hours89 branches out of our 93 branch network island wide, offer extended bankinghours so that you need not rush to the bank in the middle of your busyschedules during the course of the day for any banking transaction.3.524X7 contact CentreOur contact centre teams are always ready to assist you with any clarifications or product informationthat you will need any time of the day.4

4.0Customized product offering to JKH staff members4.1Salary package for JKH StaffNations Salary saver product benefit if offered to all staff members of John Keells Holdings and the InnerCircle 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 topOf the normal benefits will include:DescriptionNations Salary SaverInner Circle Salary SaverPrivate Banking SalarySaverMonthly gross salarycriteriaMinimum Balance inAccountATM withdrawalsDebit Card - Joining feeDebit Card - Annual feePre-Approved O/DBank at your door stepUp to LKR 100,000/ LKR 300,000/ aboveNot Applicable for JKHStaffFree – Any ATMWaivedWaived for 2 yearsUp to 1 month salary1 transaction free permonthNo set-up feeLKR 100,000/ - LKR300,000/ Not Applicable for JKHStaffFree – Any ATMWaivedWaived for 2 yearsUp to 2 months salary4 transactions free permonthNo set-up feeNot Applicable for JKHStaffFree – Any ATMWaivedFreeUp to 2 month salary6 transactions free permonthNo set-up feeDocumentation chargeswaivedLKR Deposits – 0.5%FCY Deposits – 0.25%Above Normal SheetRateAmerican ExpressPlatinum Card – 1st YearFree (JKH to Clear)N/ADocumentation chargeswaivedLKR Deposits – 0.5%FCY Deposits – 0.25%Above Normal SheetRateAmerican ExpressPlatinum Card – 1st YearFreeFree of ChargeDocumentation chargeswaivedLKR Deposits – 0.5%FCY Deposits – 0.25%Above Normal SheetRateAmerican ExpressPlatinum Card – 1st YearFreeFree of charge0114 711411Branch widerelationship officer/0114 626262Relationship MangerStanding InstructionLeasing FacilityPreferential Fixeddeposit ratesPre Approved CreditCardPersonalized ChequebookDedicated CustomerService hotline5

4.2Credit CardsNations Trust Bank is a pioneer in the Payment Solutions industry with its solutions for both Individualand Corporate cardholders. With the strategic partnerships with Global Payment leaders such asAmerican Express, Diners Club International and MasterCard, Nations Trust Bank has a tailor madesolution according to the customer requirement.Based on the monthly income of the customer, the Bank will assess the customer and issue an AmericanExpress Credit Card along with a MasterCard Companion Card. The Companion Card could be obtainedas 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 andbenefits extended to our customers;DescriptionOfferProduct TypeAmerican Express / Master Platinum Credit CardJoining FeesAnnual FeesSupplementary CardsSMS AlertsCompanion CardPriority Pass (Overseas Lounge Access)Waived OffWaived off for 1st YearUp to 3 cards issued FreeSet Up Charges Waived offPlatinum Master Credit cardOffered free With master cardBalance Transfer OptionBalance transfer from other cards @ 1% - for 6months or 0% for 3 months70% of card limit as an emergency loan for 12months repayment any time.Set up charge waived offOne Vehicle Insurance premium payment on 0% ESPeach yearOverseas transactions can be converted intointerest free installment plansLoan on CardAutomatic Bill Payment optionExtended Settlement plans (ESP)Extended Settlement plans - Overseas Credit Card Payments could be done through online banking, Mobile Banking, Nations Trust Bankbranches, Keells Super Outlets, Commercial Bank Branches and Singer & Abans outlets.6

4.3Travel CardsA special payment product designed by the bank for business and Leisure travelers or anyone whorequires the safety and security of a foreign currency they carry as they travel and for corporate wholook for more streamlined and smooth management of their foreign currency per diem disbursementsto their staff.The Nations Trust Bank Chip and PIN Travel Card product can be issued to travelers with overseas Travelmoney requirements. Access Dollars or Euros with Ease Hedge against Exchange rate fluctuations Convenience Safe and Secure Manage your Finances Peace of Mind Enhanced ValueComplimentary Travel Insurance cover each time the card is loaded with USD 1000 or more can also beprovided for the respective travel.We at Nations Trust Bank PLC would also like to confirm and present the following Special offers to yourvalued customer segments.Card Issuance fee waived offSMS alert fee waived offNo stamp duty involved.Fee categoryFeeLoad Fee0.5% of the Load Value for JKHReload Fee0.5% of the Load Value for JKHATM WithdrawalsUSD 2Card Closure FeeUSD 2Local ATM Withdrawals4 % on face valueNTB Over the CounterWithdrawalsCards Re-courieringFreeOverseas Courier FeeLKR 3000/-7Free Within Sri Lanka

4.4Personal LoansApply for a Personal Loan with Nations Trust Bank for any personal requirement such as weddingexpenses, travelling and any other household requirement, professional education, child education, oreven for other bank facility takeovers at the variable or fixed rates and enjoy the following additionalbenefits as a JKH Employee;DescriptionGeneric OfferOffer for JKHLKR 5000/ and 7500/ Waived offUp to LKR 5MnUp to LKR 10MnSalary based interest rateNations Private banking segmentrate across all salary bandsProcessing feeLoan valueInterest rate** Repayment tenor will be considered up to 60 months and flexible tenor option available. There is alsothe option to apply for joint loans with the spouse.4.5Educational LoansFlexible educational loans scheme for professional/ higher education or child education requirements.Direct pay order/ draft issuance and staggered disbursements can be arranged on demand.DescriptionJKH offerProcessing FeesWaivedBank Draft Issuance50% WaivedEarly Settlement FeeRequirement Waived offCustomer RatePrivate banking customer rateLoan ValueUp to 10MnLoan ApplicationIndividualJoint with Spouse or ChildrenUp to 60 monthEnabled for JKHTenorResidual payment option8

4.6Home LoansEnjoy the one-stop shop benefits with Nations Home Centre along with the personalized service offeredby our dedicated Home Loan specialists.Our Home Loan Centre offers you loans for a range of needs such as; Buying your first homeBuying another homeRefinancing your existing loanRenovating your homeBuying an investment propertyManaging your loanBuilding a new houseSelling a house or propertyEquity loan facilityOur Home Loan Centre will assist you on pending documentation, valuation and clearance of legaldocuments and insurance clearance allowing you to experience a hassle free process.Value Added ServicesTechnical and legal counseling onpropertySupport to obtain local authoritydocumentsDoor Step ServiceTripartite Agreement options for withleading condominium developersHome Loan Specialist support till youmove in to the houseInvestment analysis and guidanceLoan ValueLoan TenorLegal and Processing feeDeals on InsurancePre-approved Personal loan facilitiesLoan value on propertyInterest Rate4.7Home Center offering for JKH StaffYesYesYesYesYesYesUp to LKR 50MnUp to 25 yrsLKR 20,000 waived offBest deals for insuranceYesUp to 80% of property force sale valueNations Private banking customer rateBancassuranceInvestment and life policy options offered with special rates according to the requirement and customerespecially for JKH employees.9

4.8Family bankingWe also offer a wide variety of savings schemes to suite your overall family banking requirements.4.8.1 Nations Personal Investment planA special Investment scheme accruing guaranteed interest rate of 8% p.a coupled with a life insurancecover up to Rs.2 million. Nations Personal Investment Plan is the ideal savings scheme to build a pool offunds for future financial requirements.4.8.2 Nations Kidz Investment PlanAnother savings plan that enables you to allocate a fixed sum of money on a monthly basis for yourchild’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.10