Schedule of Interest Rates & Charges Trinidad Corporate. Effective: February, 2012

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1 Schedule of Interest Rates & Charges Trinidad Corporate Effective: February, 2012

2 Schedule of Charges CONTENTS 1 CURRENT & SAVINGS ACCOUNTS TTD 2 3 CURRENT & SAVINGS ACCOUNTS USD NON PERSONAL FIXED DEPOSITS 4 BUSINESS LOANS TTD 5 BUSINESS LOANS USD 6 SUNDRY SERVICES 7 LENDING AND CARD SERVICES 8 CORPORATE SERVICES 9 TRADE SERVICES 2

3 Schedule of Interest Rates & Charges CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS LOCAL CURRENCY CIBC FIRSTCARIBBEAN Business Chequing Account TTD (Account Class: CCACNI) Minimum Opening Balance $2, Minimum Monthly Balance to Earn Interest Interest Rate 0.00% Minimum monthly service fee $15.00 Withdrawals / Cheques per entry $1.00 Deposits / Credits per entry No Charge Business Premium Account TTD (Account Class: BPAIB) Minimum Amount to Open $2, Minimum Daily Balance to Earn Interest $1, $0 $ % $1K $9, % $10,000 $499, % $500,000 & Over 0.200% Minimum i monthly service fee $12 if bl below $2,000 Withdrawals / Cheques per entry Deposits / Credits per entry 2 free $1.00 thereafter 2 free $1.00 thereafter Business Call Account TTD (Account Class: CCAAIB) Minimum Amount to Open $2, Minimum Monthly Balance to Earn Interest Interest Rate 0.20% Minimum monthly service fee Withdrawals / Cheques per entry Deposits / Credits per entry Note: All figures are quoted in local currency unless otherwise stated. Page 3

4 Schedule of Interest Rates & Charges CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS USD CURRENCY CIBC FIRSTCARIBBEAN Business Chequing Account USD (Account Class: CCACNI) Minimum Opening Balance $2, Minimum Monthly Balance to Earn Interest Interest Rate 0.00% Minimum monthly service fee $5.00 Withdrawals / Cheques per entry $0.50 Deposits / Credits per entry No Charge Business Premium Account USD (Account Class: BPAIB) Minimum Amount to Open $2, Minimum Daily Balance to Earn Interest $1, $0 $ % $1K $9, % $10,000 $499, % $500,000 & Over 0.050% Minimum monthly service fee $12 if below $2,000 Withdrawals / Cheques per entry 2 free $1.00 thereafter Deposits / Credits per entry 2 free $1.00 thereafter Business Call Account USD (Account Class: CCAAIB) Minimum Amount to Open $2, Minimum Monthly Balance to Earn Interest Interest Rate 0.05% Minimum monthly service fee None Withdrawals / Cheques per entry Deposits / Credits per entry Note: All figures are quoted in local currency unless otherwise stated. Page 4

5 Schedule of Interest Rates & Charges SHORT TERM PERSONAL TIME DEPOSIT ACCOUNTS TTD CURRENCY Business Time Deposit (Redeemable) TTD Minimum Opening Balance (Account Class: DPBR) $1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 1 MONTH 100,000 $249, % $250, , % $500,000 & over 0.40% 0 $49, % $50,000 99, % 3 MONTHS 100,000 $249, % $250, , % $500,000 & over 0.45% 0 $49, % $50,000 99, % 6 MONTHS 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 1 YEAR 100,000 $249, % $250, , % $500,000 & over 0.50% Early Redemption: < 3 months > 3 months Breakage cost 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

6 Business Time Deposit NR (Non Redeemable) TTD Minimum Opening Balance 1 MONTH (Account Class: DPTC) $1, Days Tiers CIBC FirstCaribbean 0 $49, % 3 MONTHS 6 MONTHS 1 YEAR Early Redemption: $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.45% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.55% < 3 months 0% Interest Paid Interest is paid for the number of days on > 3 months deposit at the prevailing savings rate Breakage cost No Charge Note: All figuresare quoted in local currency unlessotherwise stated

7 Schedule of Interest Rates & Charges SHORT TERM PERSONAL TIME DEPOSIT ACCOUNTS USD CURRENCY Business Time Deposit (Redeemable) TTD Minimum Opening Balance (Account Class: DPBR) USD 1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 1 MONTH 100,000 $249, % $250, , % $500,000 & over 0.40% 0 $49, % $50,000 99, % 3 MONTHS 100,000 $249, % $250, , % $500,000 & over 0.45% 0 $49, % $50,000 99, % 6 MONTHS 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 1 YEAR 100,000 $249, % $250, , % $500,000 & over 0.50% Early Redemption: < 3 months > 3 months Breakage cost 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

8 Business Time Deposit NR (Non Redeemable) TTD Minimum Opening Balance 1 MONTH (Account Class: DPTC) USD 1, Days Tiers CIBC FirstCaribbean 0 $49, % 3 MONTHS 6 MONTHS 1 YEAR Early Redemption: < 3 months > 3 months Breakage cost $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.45% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 100,000 $249, % $250, , % $500,000 & over 0.55% Note: All figures are quoted in local currency unless otherwise stated. 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

9 Schedule of Interest Rates & Charges LONG TERM PERSONAL FIXED DEPOSIT ACCOUNTS TTD CURRENCY Long Term Business Time Deposit (Redeemable) TTD Minimum Opening Balance (Account Class: DPBL) $1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 2 YEARS 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 3 YEARS 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 4 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% 0 $49, % $50,000 99, % 5 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% Early Redemption: < 3 months > 3 months Breakage cost 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

10 Long Term Business Time Deposit NR (Non Redeemable) TTD Minimum Opening Balance (Account Class: DPBN) $1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 2 YEARS 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 3 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% 0 $49, % $50,000 99, % 4 YEARS 100,000 $249, % $250, , % $500,000 & over 0.65% 0 $49, % $50,000 99, % 5 YEARS 100,000 $249, % $250, , % $500,000 & over 0.65% Early Redemption: < 3 months > 3 months Breakage cost Note: All figures are quoted in local currency unless otherwise stated. 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

11 Schedule of Interest Rates & Charges LONG TERM PERSONAL FIXED DEPOSIT ACCOUNTS USD CURRENCY Long Term Business Time Deposit (Redeemable) TTD Minimum Opening Balance (Account Class: DPBL) USD 1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 2 YEARS 100,000 $249, % $250, , % $500,000 & over 0.50% 0 $49, % $50,000 99, % 3 YEARS 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 4 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% 0 $49, % $50,000 99, % 5 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% Early Redemption: < 3 months > 3 months Breakage cost 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge

12 Long Term Business Time Deposit NR (Non Redeemable) TTD Minimum Opening Balance (Account Class: DPBN) USD 1, Days Tiers CIBC FirstCaribbean 0 $49, % $50,000 99, % 2 YEARS 100,000 $249, % $250, , % $500,000 & over 0.55% 0 $49, % $50,000 99, % 3 YEARS 100,000 $249, % $250, , % $500,000 & over 0.60% 0 $49, % $50,000 99, % 4 YEARS 100,000 $249, % $250, , % $500,000 & over 0.65% 0 $49, % $50,000 99, % 5 YEARS 100,000 $249, % $250, , % $500,000 & over 0.65% Early Redemption: < 3 months > 3 months Breakage cost 0% Interest Paid Interest is paid for the number of days on deposit at the prevailing savings rate No Charge Note: All figures are quoted in local currency unless otherwise stated.

13 CIBC FIRSTCARIBBEAN Commitment 1% of loan amount Standby Fee 0.25% of outstanding balance Refinancing $ % on additional amount Restructuring (no increase in loan amt) 2% of loan amount Extension of expiry date 0.125% of current balance Overdue Installment 2.00% of installment Searches $115.00, plus cost of legal fees. Managerial Property Valuation, i.e., Site Visit $2.50 per kilometer from the nearest Branch. Statement of Amount to liquidate Mortgage Facility $70.00 Fixed Rate Business Loan TTD (Account Class: LNAB) Minumum Loan Amount: $1, Interest Rate: 13.5% (TTD Prime + 6.5%) See above Variable Rate Business Loan TTD Schedule of Interest Rates & Charges BUSINESS LOANS LOCAL CURRENCY (Account Class: LNAF) Minumum Loan Amount: $1, Interest Rate: 12.5% (TTD Prime + 4.5%) See above Fixed Rate Mortgage TTD (Account Class: LNFM) Minumum Loan Amount: $1, Interest Rate: 11% (mortgage index + 4.0%) See above Variable Rate Mortgage TTD (Account Class: LNMN) Minumum Loan Amount: $1, Interest Rate: 9% (mortgage index + 2.0%) See above Note: All figures are quoted in local currency unless otherwise stated. Page 13

14 CIBC FIRSTCARIBBEAN Commitment 1% of loan amount Standby Fee 0.25% of outstanding balance Refinancing $ % on additional amount Restructuring (no increase in loan amt) 2% of loan amount Extension of expiry date 0.125% of current balance Overdue Installment 2.00% of installment Searches $115.00, plus cost of legal fees. Managerial Property Valuation, i.e., Site Visit $2.50 per kilometer from the nearest Branch Statement of Amount to liquidate Mortgage Facility $70.00 Fixed Rate Business Loan USD (Account Class: LNAB) Minumum Loan Amount: $1, Interest Rate: 10% (USD Prime + 6.5%) Variable Rate Business Loan USD Schedule of Interest Rates & Charges BUSINESS LOANS FOREIGN CURRENCY (Account Class: LNAF) Minumum Loan Amount: $1, Interest Rate: 7.75% (USD Prime + 4.5%) Note: All figures are quoted in local currency unless otherwise stated. Page 14

15 Schedule of Charges TRANSACTION AND SUNDRY SERVICES INTERNET AND TELEPHONE BANKING Monthly Access Fee CIBC FIRSTCARIBBEAN WIRE TRANSFERS Outgoing Wire Transfers Via Internet Via Branch $1 to $9, $65.00 $75.00 $10, to $99, $65.00 $75.00 $100,000 and Over $65.00 $75.00 Local / Regional Transfers To an account held at other local banks via RTGS $50.00 $60.00 To an account held at one of our regional branches $55.00 $65.00 Incoming Wire Transfers To credit an account at one of our branches To credit an account held at other local banks Payable on presentation of Photo Identification Returned Wire Payments: Incoming and Outgoing Tracers on Wire Transfers $25.00 $30.00 $30.00 $25.00 $ Notes: 1. All figures are quoted in local currency unless otherwise stated. 2. RTGS Real Time Gross Settlement is an initiative of some local Central Banks that allows commercial banks to make (large) inter bank transactions in real time 3. All wires are sent for Beneficiary to pay Correspondent fees DRAFTS Via Internet Via Branch Local Draft (Manager's Cheque) $15.00 $20.00 Foreign Currency Draft Paid for in Local Currency $20.00 $25.00 Paid for in Foreign Currency $25.00 $28.00 Caution on Foreign Draft $65.00 Tracers on Local Drafts (plus costs) $60.00 Tracers on Foreign Drafts (plus costs) $ Stop Payment on Local Drafts (plus costs) $15.00 $20.00 Stop Payment on Foreign Drafts (includes foreign bank charges) US$50 US$50 Duplicate / Replacement Drafts Original Draft Fee Page 15

16 Schedule of Charges TRANSACTION AND SUNDRY SERVICES TRAVELER'S CHEQUES Purchased by clients Cashed by clients CIBC FIRSTCARIBBEAN 1% + Exchange STANDING ORDERS Set up $6.00 Amendment $6.00 Internal Standing Orders Between accounts To make a loan payment or pay annual fees for a bank service To transfer funds LOCALLY To transfer funds OVERSEAS $6.00 $6 + Draft/Wire Fee PRE AUTHORISED PAYMENTS Processing Fee TRANSFER BETWEEN ACCOUNTS By customer via our ABM, telephone or internet banking By us on written/faxed/telephoned instructions CHEQUE RELATED Cheque Books (all styles) Stop payment on a local cheque (all reasons) Stop payment on a foreign cheque (all reasons) Charge backs (items returned to us by another bank) Local Chque Foreign Cheque Non Sufficient Funds (return cheque charge) Cheque recalled at customer's request Encashing other banks cheques FOREIGN CURRENCY EXCHANGE Charges for foreign currency transactions where same currency tendered as for that being purchased Cash deposits for foreign currency handling (containing more than 1,000 units of the currency $4.00 $22.00 $65.00 $70.00 $25.00 $30.00 $30.00 Page 16

17 Schedule of Charges TRANSACTION AND SUNDRY SERVICES PROCESSING, Forms Preparation Registration of funds for Repatriation VISA DEBIT CARD LOCAL & USD CURRENCY New issue/replacement of expired or stolen card Replacement of lost card Transactions at FirstCaribbean ABM ABM Deposits ABM Withdrawals Declines Balance Enquiry Mini statement Transactions at Otherbank ABM Withdrawals Declines Balance Enquiry Point of Sale Purchases Request a copy of ABM video photograph STATEMENTS Mailed/Regular/diary filled statement/internet Duplicate/Additional/Interim statement (each) Screen print/photocopy (per page) Held for Collection at the Branch (per month) E statement: Set Up Monthly Subscription Fee (to be collected via standing order) Daily files Weekly Files Monthly Files Transaction Fee ACCOUNT CLOSURE Within 90 days Within 180 days CIBC FIRSTCARIBBEAN $60.00 $60.00 $6 $6 $15 N/a N/a N/a N/a N/a $20.00 Page 17

18 Schedule of Charges TRANSACTION AND SUNDRY SERVICES CIBC FIRSTCARIBBEAN DORMANCY PROTECTION Initial Notice (when account goes dormant after 2 years of inactivity) Notice thereafter (every 3 years) Reactivation Transfer to Central Bank (after 15 years of inactivity) RESEARCH Where vouchers are held at local branch Within 60 months 1 5 Vouchers / Items Each additional Voucher / Item 6 months 12 Months 1 5 Vouchers / Items Each additional Voucher / Item Over 1 Year 1 5 Vouchers / Items Each additional Voucher / Item SAFETY DEPOSIT BOXES Annual (Rental) Fees Small (1.5 x 5 x 24) Medium (2.5 x 5 x 24) Large (5 x 5 x 24) Refund of Annual Rental Fee, if box is closed before year is completed Number of free visits Each additional visit per month Forced entry / Drilling of Box Listing of contents $25.00 $25.00 $35.00 $35.00 $70.00 $70.00 $15.00 $15.00 $0.00 $0.00 SAFEKEEPING AND SECURITIES Annual (Rental) Fees Sealed envelopes Sealed Boxes/Packages Small Large Locked boxes, trunks, etc (per entry) Stocks, debentures, share certificates, Deeds, treasury bills safekeeping $ $80.00 $ $ $10.00 per item MISCELLANEOUS SERVICES Audit Certificate Current Year cost per certificate Current Year cost per hour for detailing securities Certificate/Confirmation of balance Page 18 $ $ $30.00

19 Schedule of Charges TRANSACTION AND SUNDRY SERVICES Certificate of interest Paid Current Year Previous Years Reference Letters Fax sent/received for a customer Local Out of Town Overseas Signature verification Insurance on Registered Mail Photocopying documents (per sheet) Coin Handling (exchanging for Bills) CIBC FIRSTCARIBBEAN TTD30/USD5 per account TTD45/USD8 per account $20.00 $15.00 $42.00 $72.00 Cost $6.00 $5.00 Notes: All figures are quoted in local currency unless otherwise stated. Page 19

20 Schedule of Charges LENDING AND CARD SERVICES CIBC FIRSTCARIBBEAN Leasing Facilities Commitment Fee 1% of the credit Secondary Lease Commitment Fee 0.75% of the amount being extended Statement of Amount to liquidate Mortgage $70.00 Overdraft Facilities Setup / Annual Renewal Fee 1.50% Excess Overdraft Fee (in addition to $ Unauthorized Overdraft Fee (in addition $ Page 20

21 Schedule of Charges CORPORATE SERVICES CIBC FIRSTCARIBBEAN ELECTRONIC PAYROLL (E Pay) FILE SUBMISSION OPTION Set up Monthly Access Operational (per file run) Transaction Per credit to account at FirstCaribbean $1.00 Per credit to account at another bank $2.00 Late Transmission Fee / Emergency Processing (per file run) $10.00 DEPOSITORY Annual (Rental) Fee Disposable Bags Canvas Wallets Small: Medium: Large: Short Term Rental (30 days or less) Disposable Bags Canvas Wallets CashDeposits : Processed via Armoured Services Processed via FirstCaribbean Branches (per group): Safekeeping (contents remain in bag): Small: Medium: Large: Rebates (Canvas or Disposable) Per Package of 50 Disposable bags Small: 9 x 12 Medium: 12 x 16 Large: 19 x 28 Replacement and Repairs Canvas Bag (all sizes) Canvas Bag Keys Trap Door Key Additional Key Notes: All figures are quoted in local currency unless otherwise stated. Page 21

22 Schedule of Charges TRADE SERVICES NON REVOLVING / REVOLVING FACILITIES Commitment Standby Fee/Extension of expiry date for Bridging Finance Extension of expiry date Overdue Installment Searches Managerial Property Valuation, I.e. Site Visit Application Fee New and Interim Application Fee (Urgent reviews) Extension Fee Renewal Fee Overrun Fee Administration Fee Monitoring of Conditions Breachof Conditions Overdue Reports Accounts Requiring Additional Supervision Overdue Installment CIBC FIRSTCARIBBEAN 1% of loan amount 0.5% 2% p.a. based on daily undrawn balance and charged monthly 0.125% of current balance 2% of late payment $115 + cost of legal fees $2.50 per kilometer from nears branch Refer Commitment Fee 3/4% to 3% of net amount. Refer Standby Fee/Extension 1/2% to 1% of net amount Between $ and $1, per occasion Between $ and $1, per occasion $30.00 per month outstanding $25.00 per month $50.00 per occurrence BONDS, INDEMNITIES & GUARANTEES Issuing Commission Guarantees and Indemnities (Secured) Guarantees Bill of Lading Guarantees Other Performance Bonds (Secured) Customs Bond 1.25% per per annum or part thereof Refer Guarantees and Indemnities Refer Guarantees and Indemnities 1.50% per annum or part thereof. Refer Guarantees and Indemnities Expired Bonds < 1 year 2.00% per annum or part thereof. > 1 year 2.50% per annum or part thereof. Issuing Commission will be charged Extensions on the amount for the extended (additional) validity. Issuing Commission will be charged Increases on the amount for the extended (additional) validity. Page 22

23 Schedule of Charges TRADE SERVICES Other Amendments $ LETTERS OF CREDIT : IMPORT (Outward) CLEAN & DOCUMENTARY 0.25% for the first three (3) months, plus 0.25% for each additional Issuing Commission (Sight or Term) quarter or part thereof. Acceptance of term draft 1/4 of 1% per 30 days of part thereof. Telex/SWIFT to establish Letter of Credit $ Cancellation of Letter of Credit $100.00, plus expenses Discrepency Fee $60.00, plus expenses Return of documents charge $75.00 Bills paid in installments $50.00 per installment Endorsement of shipping documents $60.00 each set Endorsement of parcel post receipts $30.00 each Statement of past due bills $30.00 each Certificate of transfer of title to good $30.00 each Issuing Commission will be charged Extensions on the amount for the extended/additional validity. Issuing Commission will be charged Increases in amounts on the increase for the remaining validity. All other amendments $60.00, plus expenses Page 23

24 Schedule of Charges TRADE SERVICES LETTERS OF CREDIT : EXPORT (Inward) CLEAN & DOCUMENTARY Acceptance Commission 1% for the first three (3) months Negotiating Charge (Sight or Term) 0.60% Discrepency Fee $60.00, plus expenses Acceptance for Correspondent Bank on terms drawings 0.30% Confirming Credits 0.5% per annum Transfer of Transferable Letter of Credit where original beneficiary refuses to pay Up to $100M 1/4 of 1% Over $100M 1/2 of 1%. Advising Commission/Credit $60.00, plus expenses Cancellation of Credit $100.00, plus expenses Drawings under credit negotiation fee 1/2% of each payment. Case of need payments Payments of Agent's Commission Fully recovered from Client Branch or Correspondent Bank Charges Fully recovered from Client Acceptance of Term Draft 1/4 of 1% per 30 days or part thereof. All other amendments $60.00, plus expenses Notes: All figures are quoted in local currency unless otherwise stated. Page 24

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