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1 Schedule of Fees

2 SAVINGS DEPOSITS Savings Deposits (a) Regular b) Christmas Club c) Student Savings Retirement Savings Payroll Savings US$ Savings i. Withdrawal Charge $1.05 Unlimited free withdrawals from Nov.1 thru Dec. 31. One withdrawal between Jan.1 to Oct. 31. No withdrawals within the first two years $1.05 $1.05 $1.00 ii. Number of Free Withdrawals iii. Credits to account Free Free Free Free Free Free iv. Stamp Tax Charged at prescribed rate by Government Yes Yes Yes Yes Yes Yes v. Without passbook $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 vi. Replace Passbook $5.00 $5.00 $5.00 $5.00 $5.00 $5.00 vii. Maintenance Fee (monthly) Waived if monthly minimum balance greater than $25 $5.00 $0.00 $0.00 $0.00 $0.00 $0.00 viii. Inactive Account (monthly) $1.00 $1.00 $1.00 $1.00 $1.00 $1.00 ix. Transfer Fee (special request) $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 x. Weekly Overdraft Fee 1.

3 FIXED DEPOSITS Fixed Deposits (a) Early Withdrawal Fee (min + int) $25 min <$50K/ $50 min >= $50K Services Related to Deposit Accounts (a) Statement Printouts $5.00 for first page $2 thereafter (b) Interim Statements Requested $5.00 (c) Photocopies i. First Page $1.00 ii. Additional Pages $1.00 iii. Transfer Fee (special request) $2.00 (d) Cash Handling Fee (e) Stop Payment Fee (B$) draft (f) Stop Payment Fee (Foreign) Draft $15.00 plus cost of draft $25.00 plus cost of draft 2.

4 CHEQUING DEPOSITS Chequing Services Personal Accts: Regular non interest Personal Accts: interest bearing Platinum Chequing Sr. Citizen Chequing Student i. Minimum Monthly Fee $6.00 $6.00 $6.00 $0.00 ii. Drawing/Cashing Fee (per cheque) $0.45 $0.45 $0.45 $0 iii Per Credit Item $0.45 $0.45 $0.45 $0 iv. Dishonoured Cheque Charge $25.00 $25.00 $25.00 $25.00 v. Stop Payment Order $15.00 $15.00 $15.00 $15.00 vi. Cheque Certification $6.00 $6.00 $6.00 $6.00 vii. Cheque Printing (per 100) Bank Standard Cheques $0.00 $0.00 $0.00 $0.00 viii. Over limit $15.00 $15.00 $15.00 $15.00 ix. Postdated Cheques x. Overdraft Negotiation Fee Up to 2% $50 min. Up to 2% $50 min. Up to 2% $50 min. xi. Overdraft Protection $15.00 $15.00 $15.00 xii. Stamp Tax Charged at prescribed rate by Government Yes Yes Yes Yes xiii. Audit Confirmation $15.00 $15.00 $15.00 $15.00 xiv Inactive Account (Monthly) $1.00 $1.00 $1.00 $0 xv. Min Balance Fee $0 Below $1,000 $35 $0 $0 xvi. Min Balance waive Fee $1,000 and above fee waived xvii. Weekly Overdraft fee 3.

5 CHEQUING DEPOSITS & OVERDRAFTS Chequing Services Business Accts: Regular US$ Chequing i. Minimum Monthly Fee $7.00 $7.00 ii. Drawing/Cashing Fee (per cheque) $0.55 $0.55 iii Per Credit Item $0.55 $0.55 iv. Dishonoured Cheque Charge $25.00 $25.00 v. Stop Payment Order $15.00 $15.00 vi. Cheque Certification $6.00 $6.00 vii. Cheque Printing (per 100) $0.00 $0.00 viii. Over limit $15.00 $15.00 ix. Postdated Cheques $0.00 $0.00 x. Overdraft Negotiation Fee Up to 2% $50 min. Up to 2% $50 min. xi. Overdraft Protection $15.00 $15.00 xii. Stamp Tax Charged at prescribed rate by Government Yes Yes xiii. Audit Confirmation $30.00 $30.00 xiv. Min Balance on USD Accounts xv Inactive Account (Monthly) $1.00 $1.00 xvi. Weekly Overdraft fee Commercial Overdrafts i. Monthly Service Charge $7.00 ii. Penalty interest rate (%) 18.00% iii. Commitment fees Up to 2% iv. Over limit fees $15.00 v. Renewal Fee (minimum) 1.00% vi. Transfer Fee (special request) $

6 RESIDENTIAL & COMMERCIAL MORTGAGES Residential Mortgages i. Application Fee ii. Commitment Fees 1%- 2% iii. Government Stamp Fees Up to 2.00% iv. Legal Fees v. Early Repayment Charges $0.00 vi. Late Payment Fee 3% min. $25 vii. Loan Refinancing/Renegotiating Fee Up to 2% of new money viii. Mortgage Satisfaction $70.00 ix. Construction Stage Payments x. Copies of Appraisals $1.00 per page xi. Annual Review of credit facilities $0.00 xii. Payment of Insurance premium $ xiii. Notary Fee $5.00 Commercial Mortgages i. Application Fee NIL ii. Commitment Fees 1%- 2% iii. Government Stamp Fees Up to 2% of new money iv. Legal Fees v. Early Repayment Charges $0.00 vi. Late Payment Fee 3% min. $25 vii. Loan Refinancing/Renegotiating Fee Up to 2% viii. Mortgage Satisfaction $70.00 ix. Construction Stage Payments x. Copies of Appraisals $1 per page xi. Annual Review of credit facilities xii. Payment of Insurance premium xiii. Notary Fee $

7 COMMERCIAL & REAL ESTATE LOANS Commercial Loans i. Commitment Fees 1%- 2% ii. Government Stamp Fees 2% iii. Legal Fees iv. Early Repayment Charges $0.00 v. Late Payment Fee 4% min. $50 vi. Loan Refinancing Fee Up to 2% of new money vii. Annual Review 1% Real Estate i. Application Fee ii. Commitment Fees 1%- 2% iii. Government Stamp Fees 2% iv. Legal Fees v. Early Repayment Charges $0.00 vi. Late Payment Fee 3% min. $25 vii. Loan Refinancing/Renegotiating Fee Up to 2% of new money viii. Mortgage Satisfaction $70.00 ix. Construction Stage Payments x. Copies of Appraisals $1 per page xi. Annual Review of credit facilities $0.00 xii. Payment of Insurance premium $ xiii. Notary Fee $

8 PERSONAL & CONSUMER LOANS Personal Loans (a) Private Vehicles i. Application Fee ii. Commitment Fee iii. Government Stamp Fees Up to 1% iv. Legal Fees v. Early Repayment Charges $0.00 vi. Late Payment Fee 5.25% min. $25 vii. Loan Refinancing Fee viii. Annual Review $0.00 ix. Service Charges Up to $ (b) Other Consumer Loans i. Application Fee ii. Government Stamp Fees Up to 1% iii. Legal Fees iv. Early Repayment Charges $0.00 v. Late Payment Fee 5.25% min. $25 vi. Loan Refinancing Fee vii. Annual Review $0.00 viii. Service Charges Up to $

9 CREDIT CARDS - CLASSIC & GOLD MasterCard Standard MasterCard Standard MasterCard Gold i. Annual (Membership) Fee $35.00 $75.00 ii. Cash Advance Fee (per $1000) 1% + $5.00 local / 3% min. $5 Int l 1% + $5.00 local / 3% min. $5 Int l iii. ABM/ATM Use Charge (each) iv. Dishonoured Cheque Charge $25.00 $25.00 v. Foreign Exchange vi. Late Payment Fee $20.00 $20.00 vii. Over limit Fee $30.00 $30.00 viii. Replacement Card Fee $20.00 $20.00 ix. Additional Card(s) (each) $20.00 $20.00 x. Copy of Transaction/Charge Slip xi. Statement Copy Fee $5.00 $5.00 xii. PIN Change Fee $5.00 $5.00 xiii. Interest Rate (per annum) 18.00% 18.00% xiv. Immediate Value $25.00 $

10 CREDIT CARDS - CLASSIC & GOLD MasterCard Prepaid Reloadable i. Annual (Membership) Fee $10.00 ii. Cash Advance Fee (per $1000) $1.50 local / 2% International iii. ABM/ATM Use Charge (each) $1.50 local / 2% International iv. Dishonoured Cheque Charge v. Foreign Exchange vi. Late Payment Fee vii. Over limit Fee viii. Replacement Card Fee $10.00 ix. Additional Card(s) (each) $5.00 x. Copy of Transaction/Charge Slip xi. Statement Copy Fee $5.00 xii. PIN Change Fee $5.00 xiii. Interest Rate (per annum) xiv. Immediate Load Fee $20.00 per load MasterCard Gift Cards i. Initial Card Fee $7.00 ii. Replacement Card Fee $20.00 iii. Expiration Fee $10.00 on expiration date iv. Inactivity Fee $1.00 per month after 90 days of inactivity v. Foreign Exchange vi. Additional Card(s) (each) vii. Copy of Transaction/Charge Slip viii. Statement Copy Fee ix. PIN Change Fee x. Interest Rate (per annum) 9.

11 CREDIT CARDS - BUSINESS & SPECIALTY CARDS SunCard SunCard Standard SunCard Gold i. Annual (Membership) Fee $30.00 $75.00 ii. Cash Advance Fee (per $1000) 3% or $5.00 min. 3% or $5.00 min. iii. ABM/ATM Use Charge (each) iv. Dishonoured Cheque Charge $25.00 $25.00 v. Foreign Exchange vi. Late Payment Fee $20.00 $15.00 vii. Over limit Fee $30.00 $30.00 viii. Replacement Card Fee $20.00 $20.00 ix. Additional Card(s) (each) $20.00 $20.00 x. Copy of Transaction/Charge Slip xi. Statement Copy Fee $5.00 $5.00 xii. PIN Change Fee xiii. Interest Rate (per annum) 17.9% 16.2% xiv. Immediate Value $25.00 $25.00 xv. Regular Value 10.

12 MISCELLANEOUS BANKING SERVICES Other Banking Facilities And Services Standing Payment Orders (a) Internal Payments $2.00 (b) External Payments or Transfers $15.00 Letters of Credit 1%-2% Credit References $15 00 Auditor s Confirmation Letter $30.00 Document Search/Retrieval (a) Vouchers (each) (b) Vouchers (per hour) $30.00 (c) Records (per hour) $30.00 (d) Accounts (each) $

13 TRANSFERS AND F/X TRANSACTIONS RTGS (a) Bank to Bank Transfers $25.00 (b) Special Settlement + $0.40 GST 0 - $50,000 $10.00 $50,001 -$100,000 $10.00 $100,001 -$200,000 $5.00 for 150k and over $200,001 -$500,000 $5.00 over $500,000 $5.00 Foreign Exchange and Wire Transfers (a) Wire Transfers i. Local Currency (each) Family Islands ii. Foreign Currency (per 1000) $25.00 plus commission (b) Foreign Currency Drafts i. Commission Rate (%) $0.00 ii. Other Charges $6.00 (c) Traveller s Cheques i. Commission Rate (%) ii. Other Charges 12.

14 PAYROLL & DEPOSIT SERVICES Payroll Payments (a) Payments in Cash/At Counter: i. Each Name (internal) ii. Minimun Charge per Payroll (b) Payments Deposited to Accounts: i. Per Internal Account ii. Per Inter-Bank Payment iii. Minimum Charge per Payroll (c) Payroll Direct: i employees $0.75 ii employees $0.75 iii employees $0.75 iv employees $0.75 Day & Night Deposits i. Disposable Bags (per 100) $40.00 ii. Opened disposable bags $55.00 iii. Unopened disposable bags $ iv. Lost/Broken Key $30.00 v. Opened Wallets $ vi. Unopened Wallets $ vii. Lost/Damaged Wallet $65.00 viii. Lost/Broken Key $

15 ATM / ABM ELECTRONIC TRANSACTIONS ATM/ABM Use (a) Withdrawals Outside The Bahamas (b) Local Withdrawals $1.25 i. Customer $1.25 ii. Non-Customer (c) Stamp Tax Charged at Prescribed Rate by Government (d) Mini Statements YES Online/Internet Banking (a) Monthly Access Fees i. Personal Banking ii. Business Accounts Up to 5 accounts 6-10 accounts Over 10 accounts (b) Transaction charges i. Bill Payment (each) $1.00 ii. Loan Payment iii. Transfers Between Accounts iv. Balance/Statement Inquiry v. Credit Card Payment $

16 SAFE DEPOSITS Safety Deposit Boxes Small Safety Deposit Boxes (Annual Charge) $50.00 Medium Safety Deposit Boxes (Annual Charge) $ Large Safety Deposit Boxes (Annual Charge) $ Extra Large Safety Deposit Boxes (Annual Charge) $ Replacement/Lost Key $40.00 Drilling of Safety Deposit Box $ Replacing Lock $ Safekeeping - Mortgage Documents (per annum) Safekeeping - Other Documents (per annum) 15.

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