The Bank is entitled to be paid by the Customer and may debit the Customer with:

a) Unless otherwise agreed in writing, interest on overdrawn accounts, including default interest, loan accounts or on any other facility granted by the Bank, at any rate, which rate may

be different for different accounts. Such interest is calculated on daily balances and debited monthly.

The Bank shall notify the Customer of any change in the rate of interest charged. Where a higher rate of interest has been agreed between the Bank and the Customer in any security given by the Customer, that higher rate of interest may be charged by the Bank.

b) Legal and or professional charges Advocates and I professional clients charges incurred by the Bank in obtaining legal and or professional advice in connection with the Customer’s accounts and dealings, the preparation of any document relating to the customer’s credit facilities with the Bank or incurred by the Bank in any legal, arbitration or other proceedings arising out of any such dealings in respect to the customer.

c) Commission at such rates and at such time or times as the Bank decides in line with the Financial Consumer Protection guidelines, with the sole discretion to charge different rates on different accounts.

d) Other charges and expenses In addition to the debits authorised by sub-clauses (a), (b) and (c) of this clause, all other proper expenses and charges including but not limited to the ledger fees, disbursement for cheque books, postage, cables, telephone calls, taxes, duties, impositions and expenses incurred in complying with the Customer’s requests,