Wealth and Investment Management Intermediaries. International Business Tariff Gibraltar

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1 Wealth and Investment Management Intermediaries International Business Tariff Gibraltar December 2014

2 International Business Tariff Gibraltar This tariff is applicable for accounts where the banking relationship is through Barclays Bank PLC. Prices for banking services provided to our business clients are summarised below. Information on prices relating to more specialised services not included in this leaflet are available from your International Banking Centre. All charges are in sterling (GBP) or the currency equivalent and will be applied quarterly in arrears, unless specified* where those items will be charged at the time. The quarterly charging dates are available by request. 1. Standard banking charges for Sterling Accounts Quarterly fee of 40 Cheque books Debit and credit entries items appearing on the statement 0.65 Automated credits 0.15 Auto transfer debits 0.19 Auto transfer credits 0.20 Cheques paid in 0.25 Cash paid in/out (business counters) 0.6% Cash exchanged 2% Currency notes Paid in or withdrawn from non-sterling accounts 2% of total; min 10 or currency equivalent* Unpaid cheques In, returned to Barclays 10 Out, returned by Barclays 30* Stopped cheques Lost or stolen Other 8 per cheque or cheque book* Statements BWOB Diarised (monthly or less frequently) Diarised (more frequent than monthly, e.g. daily, weekly) 0.30 Cheque books Copy statements 5 per copy statement free 2. Business Advantage per visit** Business Advantage subscription fee (per month) includes use of Business Advantage counter and drop box facility 15 Cash paid in/out (deferred checking) 0.3% Cash exchanged 1% Cheques paid in Night safe 1 per wallet Salary preparation (requests to be pre-ordered by fax the day prior to collection) subject to usual cash paid out charges 1 ** Charges for the Security collection/delivery service will be deducted from your account on a monthly basis (normally on the 11th or should this fall on a weekend or public holiday then the charge will be applied the next working day).

3 3. International Corporate e-banking BWOB Access to our website may be limited in some countries due to the prohibited transmission of encrypted data over telephone lines. Please check the legal position in your country of residence. Standard set-up fees 100* Set up for clients with over 10 accounts or 20 users 0* Set up for intermediaries* (charge per day) 250* BWOB Periodic charge 10 International/local SWIFT payments** 25* SEPA (Single Euro Payments Area) Credit Transfer 15 Standard payment (BACS/Faster Payments FPS ) E.g. payments made to UK Bank Accounts Inter account transfer (same day) Third party transfer to another Barclays Gibraltar client Replacement security cards (per card) 30* 4. Payments services International/local SWIFT payments** Manual payment made via Gibraltar branch 45* SEPA Credit Transfer Manual payment made via Gibraltar Branch 45* Internal Transfers Same party (inter-company accounts) Third party (accounts maintained with Barclays Gibraltar) Inward payment charge The inward payment charge is not applicable if the: - 1. Remitter has paid all the charges 2. Payment is from a local Gibraltar bank 3. Payment is a SEPA Credit Transfer 6 Other payment services 1. Payment details incomplete/incorrect - If we are required to amend or repair a payment on your behalf prior to it being sent 2. Payment recall - If you request us to try to recall or amend a payment on your behalf 3. Payment enquiry - We may charge for enquiries that we receive in relation to each payment instruction. We will advise you of the charge prior to intiating the investigation on your behalf and you will not be charged if we have made an error. Set up of standing orders and direct debits ** See Sections 9 and 10 for additional charges that may be applicable. 2

4 5. Standard banking charges for Currency Accounts Debits/Credits 10 or currency equivalent* 0.65 Automated Debits/Credits 0.15 Quarterly fee 40 Currency notes paid in/withdrawn from a non-sterling account 2% of total, min 6. Borrowing Authorised borrowing Overdrafts/loans Unarranged/unauthorised overdraft Interest will be charged at 29.5% per annum. The interest will be calculated on a daily basis and charged to your account on a quarterly basis Guarantees A paid referral fee of 25 will apply when an unauthoriseda further 25 for any subsequent overdraft amounts to more than 100 and on every occasionincrease over 100* thereafter that it increases by more than 100 Guarantees Lending fees by negotiation; please contact us 25 each time your account goes over drawn* A further 25 for any subsequent increase over 100* Please contact your Relationship Manager for details Duplicate facility letters 50* 7. Trade services Letters of credit Bills for negotiation Bills for collection Please contact your Relationship Manager for details 3

5 8. Other fees Status enquiries/bank enquiry requests Barclays enquiries Local Gibraltar bank enquiries Other enquiries * Audit letters Special presentation (minimum cheque value to be 1,000) In house 50* 40* Local bank 100* Facsimile instructions Indemnity Coded request Retrieval of cheques, vouchers and ledgers Fixed-deposit cancellations Cheque collection 10 per item* 250 flat fee + cancellation costs if applicable* 0.25% of cheque value 16 min to 40 max* + overseas bank charges Cheque negotiation/deferred credit Depending on the type of transaction and the currency of the beneficiary account, we calculate interest using one or more of the following variables: FX rate Note: - In addition to the fee s outlined below, a cheque negotiation will also incur an interest charge. Please contact us for further details. Interest (cost of funds + margin) Clearance days Additionally, we charge commission as follows: 1. Overseas currency cheque crediting a sterling account 1a. 50 or less 1b to 100 1c Overseas currency cheque crediting a currency account 3. UK currency cheque crediting a currency account 1a. + any overseas bank charges* 1b. 4 flat fee + any overseas bank charges* 1c. 0.25% of value or 9 min to 60 max + any overseas bank charges* % of value + any overseas bank charges* 3. 9 flat fee except USD and EUR (FREE)* BACS BACS referrals BACS recalls BACS overlimits exceeding an agreed BACS or Business Master three-day payment limit 50 Payments made by business debit card

6 9. SWIFTBIC and IBAN You will need to supply the SWIFTBIC and IBAN information for any payments that you make in euros to a SEPA country (any EU Member State (28 countries) plus Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland). Banks who receive payments without this information are entitled to charge payment repair fee. If you do not provide us with this information with your payment instruction there will be an additional 7.00 charge (or currency equivalent) made when we send your payment. Your payment may be returned or rejected by the beneficiary bank if you do not supply the SWIFTBIC and IBAN. If you do not have these details your beneficiary should be able to provide you with them. 10. Barclays Intermediaries s We reserve the right to charge for staff time in exceptional circumstances. Any charges relating to staff time will be discussed and agreed prior to us providing the service. 11. Overdrafts, and other related charges Overdrafts If you require a new overdraft or increase in your existing facility, even for a short period of time, please contact us in advance to discuss your requirements. The rate of interest charged on an agreed borrowing will always be lower than the rate charged for an unauthorised borrowing. Each overdraft application is considered on an individual basis. If you have agreed your overdraft with us in advance you will only pay interest at the authorised rate on the overdrawn balance. You can overdraw up to an agreed limit at any time but you should not be permanently overdrawn by the whole amount. Overdrafts are repayable on demand. Overdraft charges Authorised borrowing: All our fees for borrowing will be discussed and agreed with you at the time your facilities are set up. They are part of the overall price of borrowing and include, for example: the costs involved in agreeing facilities the ongoing monitoring of financial information and lending conditions throughout the term of a facility If we ask you to provide security, a further fee will usually be charged to cover the additional costs. If there are any substantive changes to the basis of your borrowing arrangement during the term of your facility, any associated fees will always be discussed with you at each stage. Unauthorised borrowing: The standard interest rate for unauthorised borrowing is charged at 29.5 per cent per annum. If there are insufficient funds in your account when we receive cheques or other debits for payment you will incur an account control fee of 25. This will only be charged when: the overdrawn position has not been pre-agreed the overdrawn position or any subsequent increase in overdrawn position exceeds Unpaids out If we have to return cheques, direct debits or standing orders that you have issued/instructed due to a lack of funds in your account, there will be a further charge of 30 for each item returned on each occasion. This charge will be taken at the time.

7 Other information Charging dates Quarterly debit interest and commission charges accrue in March, June, September and December and are debited shortly thereafter. The quarterly charging dates are available by request. We will give you approximately 14 days advance notice of the charges to be applied to your account. This advance notification will be by way of a separate Statement of Charges and will include a detailed breakdown. You will therefore be able to check your charges before they are debited to your account. The Statement of Charges will tell you the date on which the charge is to be made. Cheque clearing What is the cheque clearing cycle and how long does it take? When you pay a cheque into your account it has to be sent to the drawer s bank for payment, for that bank to decide if it will honour the cheque. It may not if, for example, there is not enough money in the drawer s account. This process is known as the central cheque clearing cycle and normally takes three working days. We also need to allow extra days for an unpaid cheque to be returned. The table below will help you understand when cheques paid into your account start to earn interest and become available for withdrawal in the UK. It will also show you when you can be certain the funds will not be reclaimed from your account as a result of the cheque being returned unpaid (see the reference to unpaid cheques on page 6). Clients will earn interest (or reduced overdraft interest) on cheques no later than two working days after the day of deposit. Clients will be able to withdraw against cheques no later than four working days after the day of deposit. Clients can be certain that six working days after the day of deposit, cheques paid into their accounts cannot be returned unpaid. They are protected from any loss unless they are a knowing party to a fraud. Please note: Many branches have a cut-off time, after which cheques paid are processed the following working day. Cut off times are available in branches. There are no exceptions (extensions) to the timetable for Scottish and Northern Irish cheques or for Cash Card and International Student Accounts. If you pay in cash or cheques at the Post Office to your Barclays Wealth and Investment Management account, it takes two working days longer to process them than if you paid them in at a Barclay s branch; so it takes two days longer than shown in the chart. This table on page 7 applies to sterling cheques drawn and deposited in the UK. Gibraltar cheque clearing cycle Please note that Gibraltar has a separate clearing system that can be used in place of the system above. This clearing system has a number of factors that apply. For more information please call your International Banking Centre. Unpaids in If a cheque you have deposited into your account is returned unpaid, the value of it will be debited from your account even if you have withdrawn the money in the meantime. However, you can be certain that an unpaid cheque will not be debited from your account later than six working days after deposit without your permission or unless there is a suspicion that a fraud has been committed. 6

8 Day 0 Day 1 Day 2 Day 3 Day 4 Day 6 e.g. Mon e.g. Tue e.g. Wed e.g. Thu e.g. Fri e.g. Tue Cheque paid in at any Barclays branch Inter-bank exchange Pay/No pay decision made and interest earned/reduced Returned cheques received by beneficiary s bank Available for withdrawal If cheque has not been debited to the client s account by the end of the sixth working day the cheque is paid*. * Funds will not be debited from your account as a result of the cheque being returned unpaid later than this day. As Barclays processes payments overnight, you will know at the start of business on day 7 whether or not the cheque has been paid. Direct debits A direct debit is an instruction from a customer to their bank or building society authorising an organisation to collect varying amounts from their account, as long as the customer has been given advance notice of the collection amounts and dates. Direct debits are used for collecting a variety of regular and occasional bills including utility payments, insurance, council tax, mortgages, loans and subscriptions. The Direct Debit Scheme protects you and your money by means of the Direct Debit Guarantee. This Guarantee is offered by all banks and building societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own bank or building society. If the amounts to be paid by direct debit or the payment dates change, the organisation collecting the payment will notify you normally ten working days in advance of your account being debited or as otherwise agreed. If an error is made by the company or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a direct debit at any time by writing to your bank or building society. Please also send a copy of your letter to the originator/company. Further information can be obtained from Standing orders With a standing order you make the request for a regular payment, rather than the organisation taking the payment. If you want to amend or cancel your original instruction you can do so at any time by contacting us up to the business day before the payment is due to be taken from your account. Payments made by standing order are subject to a payment limit of 100,000 and will normally arrive the same day providing the recipient s account accepts Faster Payments. Faster Payments (FPS) The FPS allows participating banks to provide their clients with the capability to send low-value electronic payments in sterling that will reach the beneficiaries account the same day. The majority of payments are completed within two hours. Operating 24 hours a day, 7 days a week, 365 days a year, the FPS will run alongside existing UK payment schemes such as BACS and CHAPS. The scheme is available within Barclays Wealth and Investment Management for telephone, internet, written, faxed and face-to-face payment instructions. The single payment limit is 100,000. Where the receiving organisation operates on a collection account basis, for example credit card accounts or utility companies, the payment may not be credited to a specific account on the same day. Participating banks are Abbey, Alliance & Leicester, Barclays, Citi Group, Co-operative Bank, Danske Bank, HBOS, HSBC, Lloyds TSB, National Australia Group, Nationwide, Northern Rock and RBS.

9 This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate). If outside the UK please call: +44(0) **. * The lines are open 8am to 8pm UK time Monday to Friday and 9am to 5pm UK time Saturday and UK bank holidays. Calls to 0800 numbers are free if made from a UK landline. **The lines are open 24 hours a day, 7 days a week except on December 25 when lines are closed. Call costs may vary please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes. Your feedback: If you want to complain you may do so in person, in writing, by post or , or by telephone. To obtain a copy of our complaint handling procedures, or to make a complaint, please contact your account-holding centre. Barclays offers banking, wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiaries. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank PLC is authorised by the Gibraltar Financial s Commission to conduct banking and investment business in Gibraltar. Item Ref: PP430. May 2015

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