1 Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest. Interest is calculated based on the daily closing credit balance in each tier at the corresponding rate for that tier, and paid monthly. For details on applicable interest rates, refer to Our Rates bulletin available on our website at and through HSBC branches. HSBC BusinessVantage: Monthly administration fee... $55.00 Includes HSBCnet Basic Service HSBC s global Internet banking solution provides online access to your accounts and to a suite of optional cash management and trade services (set-up and monthly administration fee for Basic Service waived) Access to telephone banking Access to in-market or telephone-based Account Manager Transaction fees for HSBC BusinessVantage package: Account activity fees (set out in the following chart) are waived on the first 20 debit 1 and the first 20 credit 2 transactions per month (including those performed at HSBC branches, through HSBC ATMs, telephone banking or HSBCnet) Account activity fees do not apply to electronic funds transfer (EFT) credits 3 Account activity fees apply separately to debit and credit transactions (including deposits and other credits 2, and cheques, withdrawals and other debits 1 ) Debit or credit transactions over 20 will be charged the applicable account activity fee corresponding to the volume range for the total number of such transactions per month (as set out in the following table): Volume range of debit transactions per month or credit transactions per month CAD (per transaction) USD (per transaction) 1 20 waived waived $1.00 $ $0.95 $ $0.90 $ $0.85 $0.85 Standard deposit content fees apply to transactions in excess of the following (refer to Deposit Content Fees section): Cheque deposits fee waived on first 20 cheques deposited per month Currency (cash) deposits fee waived on first $3,000 deposited per month Additional HSBC BusinessVantage account(s) within the same legal entity on an existing HSBCnet profile will be charged a monthly administration fee of $22.50/US $22.50, per account Fees for wire transfers are not included in this package (see Wire Transfer Fees section) Fees for other products and services (including those described below in the Regular Account Service Fees section) are not included in this package. Special pricing for EFT services is available, with the set-up fee (value $150) and EFT monthly fee (value $55 per month) waived Current Account A basic non-interest-bearing chequing account for the daily operation of your business, available in Canadian or US dollars. Monthly administration fee*... $12.00/US $12.00 Account activity fee for deposits and other credits 2, and cheques, withdrawals and other debits 1...$1.00/US $1.00 per transaction** Account activity fees for EFT credits 3... Free * When the minimum balance during each month falls below $5,000/US $5,000. ** One free item is allowed for each $500/US $500 held in the account throughout the entire month. Cash Management Account A flexible interest-bearing chequing account in Canadian or US dollars that can be packaged with other cash management products and services - for commercial clients who regularly maintain higher balances. Account activity fee for deposits and other credits 2, and cheques, withdrawals, and other debits 1...$1.00/US $1.00 per transaction Account activity fees for EFT credits 3...Free Images of your cancelled cheques are provided with your monthly statements. Commercial Savings Account This interest-bearing non-chequing savings account is available in eight currencies*: Canadian dollars, US dollars, pounds sterling, euro, Swiss francs, Hong Kong dollars, Japanese yen and renminbi (RMB)**. Interest for each currency paid according to the specific posted rate. For details on applicable interest rates, refer to Our Rates bulletin available on our website at rates and through HSBC branches. Account activity fees: Deposits or other credits 2... Free First two withdrawals or other debits 1 per month... Free Each subsequent debit 1... $1.25/US $1.25 per transaction*** Note: The Commercial Savings Account is not intended to act as an operating account. * Foreign cash handling fees apply to foreign currency accounts (except US dollars). ** Cash deposits or withdrawals are not permitted on RMB account. All remittances must be electronic (via wire transfer or HSBCnet). *** Applies to Canadian and US dollar accounts only. No account activity debit transaction fees on other currency accounts. Community Service Account An interest-bearing chequing account offered to non-profit community associations, service clubs or charities with low volumes of account activity. For details on applicable interest rates, refer to Our Rates bulletin available on our website at and through HSBC branches. Account activity fee for deposits and other credits 2, and cheques, withdrawals and other debits 1... Free 50% reduction on the annual rental of a small (size A) safety deposit box (for existing rentals only; new safety deposit box rentals no longer offered) 0.25% per annum bonus on posted Canadian dollar deposit rates under $100,000 Images of your cancelled cheques are provided with your monthly statements. Page 1 of 6
2 Business Savings Account/Commercial Investment Account Interest-bearing non-chequing savings account offering competitive rates with greater flexibility than a term deposit and no monthly administration fee. Also available: US dollars, pounds sterling, euro, Swiss francs, Hong Kong dollars and Japanese yen*. Interest for each currency paid according to the specific posted rate. Minimum balance may be required to earn interest. Refer to Our Rates bulletin available on our website at and through HSBC branches. Account activity fees: Deposits and other credits 2... $1.00/US $1.00 per transaction 5 withdrawals or other debits 1 per month... Free Each subsequent withdrawal or other debit 1... $10.00/US $10.00 per transaction Note: The Business Savings Account and the Commercial Investment Account are not intended to act as an operating account. * Foreign cash handling fees apply to foreign currency accounts (except US dollars) Regular Account Service Fees The following fees apply in addition to the fees included in the Account Services section: Deposit Content Fees Currency (cash) deposits, per $1,000...$2.25/US $2.25 Coin deposits *, per $100 (rolled or loose coins)...$2.25/us $2.25 Cheque deposits, per item...$0.20/us $0.20 Deposit content fees are in addition to account activity fees for deposit transactions (unless otherwise noted). * Not available for ATM deposits. Currency Supplied Cash orders supplied, per $1, $2.10/US $2.10 Coin orders supplied, per $ $2.10/US $2.10 Accounts Closed within 90 Days of Opening Transferred to another HSBC branch/account or deposit instrument... Free Any other reason... $20.00 Account Statements Duplicate or interim statement, each... $6.00 Account Transfer Balance of Account transferred to another financial institution... $20.00 Balance Inquiry In person 4, per inquiry... $5.00 Through HSBC ATMs, HSBCnet and telephone banking... Free Bank Confirmation Per hour... $50.00 Minimum $35.00 Bank Drafts Canadian dollar, US dollar and other foreign currency, each... $7.50 Bill Payments Bills paid through HSBCnet and telephone banking... Free Bills paid in person 4, each...$1.35 Certified Cheques Account holder, per cheque... $10.00 Non-account holder, per cheque... $15.00 Certificate of Account Balance Per hour... $30.00 Minimum $17.50 Cheque Validation If an HSBC customer requests that a non-hsbc cheque be confirmed with another financial institution before processing... $5.00 Collection Items Items sent to other financial institutions for collection within Canada... $25.00 Outgoing cheque collections Canadian dollar, US dollar or foreign currency cheques payable outside of Canada %; Min $30.00; Max $150 Plus applicable charges levied by the issuing and intermediary bank(s). Customized Cheques Price depends on style and quantity ordered. For more information, contact your Account Manager. Credit Enquiry For each request... $25.00 Deposited Items Returned Unpaid (Chargebacks) For any reason, each... $7.00 Telephone or fax advice if required, each... $7.00 Dishonoured (NSF) Items Each cheque or debit item... $40.00 Charge supercedes the $5.00 overdraft item handling fee. Foreign Banknotes Exchanged to/from Local Currency A handling fee of $4.00 per currency transaction will be levied for the sale/purchase of foreign banknotes converted to local currency. Minimum transaction amount $ per currency. If less than the minimum, an additional $2.00 fee will be charged. Foreign Cash Handling Fee A cash handling fee of 4% of the currency amount (min. $2.00) will be charged for transactions involving foreign banknotes (except US dollars) deposited to or withdrawn from foreign currency accounts, or for the offset sale/purchase of foreign banknotes to negotiable instruments in a foreign currency. Foreign Exchange Foreign cheques purchased by the Bank (i.e. cashed, deposited) per cheque* (excludes Travellers Cheques)... $2.50 Foreign cheques ** written on a Canadian dollar account, per cheque*... $20.00 Foreign currency pension cheques purchased by the Bank... Exchange only * Plus applicable foreign exchange. ** Cheques written in currencies other than Canadian or US dollars will be treated as collection items. Value for US dollar and foreign currency cheques (purchased or deposited into any account) may be delayed for 1 3 business days for US dollar items and for at least 5 business days for foreign currency items to allow for clearing and international settlement. Inactive Accounts An account will be designated as inactive if the account owner has not initiated any deposit or withdrawal transactions within a one-year period. Automatic debits or credits processed through the account will not prevent an account from being Page 2 of 6
3 designated as inactive. Regular account service charges will continue to apply to these accounts. The following notice fees also apply: Years 2 to 8, per year... $25.00 Year 9... $35.00 Note: The first inactive account notice will be sent in January following the first year of inactivity and will continue annually. The notice fees only apply if you do not acknowledge the notice within 90 days of mailing. After 2 years, inactive accounts will be closed once the balance in the account is less than $ For Canadian dollar accounts, any balance remaining in an account after 10 years of inactivity will be considered unclaimed and will be forwarded to the Bank of Canada. The account will be closed at that time. Foreign currency accounts will continue to receive the inactive account notice annually with applicable notice fees. Foreign currency accounts will be closed once the balance in the account is less than $25.00 after the last inactive account notice is issued and without customer acknowledgement within 90 days of mailing. Night Deposit Services Disposable bags, package of $15.00 Head door key replacement, each key... $15.00 Overdraft Item Handling Per item, on any day when cheques, withdrawals and other debits 1 are paid over and above an authorized limit... $5.00 Where there is no authorized limit in place, overdraft interest will be charged at 21% per annum compounded monthly (equivalent to an effective annual interest rate of 23.14%). Advances within an authorized limit will be charged at the appropriate rate; any portion which exceeds an authorized limit will be charged at 21% per annum compounded monthly (equivalent to an effective annual interest rate of 23.14%). Overdraft Notices Notices may be provided when required to reduce or repay overdrafts, in which case the notice fees shall apply. Notice by phone... $15.00 Plus long distance fees if applicable. Notice by letter... $15.00 Post-Dated Cheques Held for Deposit Each deposit... $3.00 Search for Records/Vouchers Per item, within 90 days...$10.00 Per item, greater than 90 days... $20.00 Per item, court ordered/urgent... $ Per item, original item from cheque storage... $20.00 No fee is charged if a bank error is involved. Plus applicable taxes. Stop Payments Issued Canadian dollar or US dollar cheques or preauthorized debits, per request: Through HSBCnet...$12.50 In person 4... $15.00 Foreign drafts...$10.00 With incomplete information or encoding... $20.00 Plus applicable fees levied by negotiating bank. Temporary Cheques (where available) If temporary cheques are required and cheques have not been ordered, per 12 cheques... $15.00 Temporary Commercial Deposit Books Each... $2.00 Transfers between Accounts Within HSBC Bank Canada: In person 4, through HSBC ATMs, telephone banking or HSBCnet... Free Requests made to an HSBC branch by phone or fax... $4.50 Un-Encoded/Incorrectly Encoded Cheques Items processed as cheques against the account or cheques with incorrect MICR encoding (such as with legacy accounts) or where encoding has been defaced, per item... $5.00 Wire Transfer Fees* The fees below are in addition to the account activity fees described elsewhere in this brochure (unless otherwise noted). Outgoing Wire Transfer Fees for accounts on monthly billing statements, per wire, where instructions are received via electronic channels 5,6,7,9 Within HSBC Bank Canada... Free To another HSBC Group entity or to other financial institutions: Services CAD (per wire) USD (per wire) Other currency (per wire) Standard Fee $15.00 US $20.00 $30.00 Fee for account of the beneficiary (BEN) 5,6,7,8 Fee for account of the remitter (OUR) 5,6,7,9 Fee (including repair charge) for incorrectly formatted instructions 5,6,7,9 $30.00 US $30.00 $30.00 $30.00 US $35.00 $45.00 $30.00 US $35.00 $45.00 Outgoing Wire Transfer Fees 5,6,7,9 for accounts charged at point of transaction, per wire, where instructions are received via electronic channels: Within HSBC Bank Canada... Free To another HSBC Group entity or to other financial institutions: CAD wire payments... $15.00 USD wire payments...us $20.00 Other currencies... $40.00 Fee (including repair charge) for incorrectly formatted instructions 5,6,7,9 CAD... $30.00 USD...US $35.00 Other currencies... $45.00 Outgoing Wire Transfer Fees 5,6,7,9 where instructions are received in person, at an HSBC branch: Threshold standard rate, per wire: Wire face value < $10,000 CAD or equivalent... $95.00 Wire face value $10,000 to $50,000 CAD or equivalent... $ Wire face value > $50,000 CAD or equivalent... $ All prices are stated in Canadian dollars. Quoted price is irrespective of currency or destination of wire. Incoming wire transfer fees 7,9 : Within HSBC Bank Canada accounts... Free From another HSBC Group entity or other financial institution... $15.00 Fee (including repair charge) for incorrectly formatted instructions 7... $25.00 *The above fees do not apply to customers who subscribe to the HSBCnet Enquiry Plus service package. Enquiry Plus is intended primarily for account balance and transaction enquiry and different wire transfer fees apply. Please ask your Account Manager for details and fees. Page 3 of 6
4 Wire Investigations, Cancellations or Recalls Requests received via HSBCnet Less than 3 months...$25.00 per item 3 months to 2 years...$75.00 per item Over 2 years... $ per item Requests received through non-hsbcnet methods Less than 3 months...$30.00 per item 3 months to 2 years...$80.00 per item Over 2 years... $ per item Note: Additional correspondent/beneficiary bank fees may be applied for wire cancellations and recalls. Electronic Banking and ATM Services The fees below are in addition to the account activity fees described elsewhere in this brochure (unless otherwise noted). HSBCnet HSBCnet, our global Internet banking solution, provides online access to your accounts and a suite of optional cash management and trade services* to manage your day-to-day banking needs. Three service packages are available and you can choose the one that is the best fit for your business. Information is presented in a format that can be personalized to individual user s preference. New features and functionality are continually being added to HSBCnet to allow our customers to keep up with their evolving financial needs. HSBCnet Service Package Set-up fee (onetime charge, per profile) Full Service Basic Service Enquiry Plus** $ $50.00 No charge Monthly fee $80.00 $65.00 $10.00 Included number of users Each additional user/month Included number of accounts Each additional account/month $5.00 $5.00 $ $15.00 $15.00 $15.00 *Additional account activity and product fees apply. Please see details in this brochure. For products not included in this brochure please ask your Account Manager for details and fees. **For wire transfer fees for Full and Basic Service, see Wire Transfer Fees section of this brochure. Enquiry Plus is intended primarily for account balance and transaction enquiry and different wire transfer fees apply. Please ask your Account Manager for details and fees. Telephone Banking Monthly fee... Free Online Tax Filing Service A convenient way to remit federal, provincial and municipal taxes, as well as various employee payroll deductions over the Internet. One-time set-up fee, per Online Tax Filing Service Profile (up to 15 accounts)... $25.00 Minimum monthly administration fee, per profile*... $2.75 Government filing, each... $2.00 *If the monthly sum of filings exceeds $2.75, the monthly administration fee will be waived. Online Tax Filing Service fees are in addition to account activity fees (unless otherwise noted). Cheque Image Service HSBCnet customers have access to a convenient, costeffective method to view cheques that have cleared in Canada through HSBC Canadian and US dollar accounts domiciled in Canada. Cheque image retrieval (per click, based on volume ranges set out below): View image online showing front and back of cheques processed in the 90 day period prior to the current date 1 25 clicks, each...$ clicks, each...$1.25 More than 50 clicks, each...$1.00 Obtain a copy of the cheque image showing the front and back of archived cheques processed more than 90 days prior to the current date, per item...$10.00 Cheque image service fees are in addition to the HSBCnet service package fees (see above) and regular account activity fees. Customers can also access copies of the cheque image showing the front and back of the cheque through an HSBC branch or request a mailed copy by telephone. Copy of a cheque processed in the 100 day period prior to to the current date... $10.00 per item Copy of a cheque processed more than 100 days prior to the current date...$20.00 per item Withdrawals using Other Financial Institutions ATMs (Except THE EXCHANGE ATMs) In Canada, per withdrawal...$1.50 Outside Canada, per withdrawal... $3.00 Some banks charge an additional convenience fee to use their ATMs. Electronic Funds Transfer (EFT) Allows you to efficiently process payments* and collect receivables within Canada. Please speak with your Account Manager for specific solutions and pricing. * In some cases, credit facilities will need to be established. Accounts Maintained But No Longer Sold Business Internet Banking (Grandfathered pricing): Monthly fee for Inquiry-Only Service... $15.00 Monthly fee for Basic Service... $30.00 Monthly fee for Full Service... $60.00 BusinessVantage for Small Business Package Monthly administration fee...$22.50/us $22.50 Includes services and terms described under the HSBC BusinessVantage Account Package section. Additional account activity fees apply as outlined under HSBC BusinessVantage Account Package. Fees for other products and services (including those described in the Regular Account Service Fees section) are not included in this package. Business Banking Package Monthly administration fee...$22.50/us $22.50 Includes: Account activity fees waived on first 30 transactions (whether debit 2 or credit 1 ) per month (including those performed at HSBC branches, through HSBC ATMs, telephone banking or HSBCnet) $10 discount on any size safety deposit box (for existing rentals only; new safety deposit box rentals no longer offered) Page 4 of 6
5 Standard deposit content fees apply to transactions in excess of the following (see Deposit Content Fees section): Currency (cash) deposits fee waived on first $3,000 deposited per month Coin deposits fee waived on first $1,000 deposited per month Cheques deposits fee waived on first 20 items deposited per month Fees for other products and services (including those described in the Regular Account Service Fees section) are not included in this package. HSBC Business Direct,12 Account activity fees: Waived on first 20 cheques or electronic debits issued per month Greater than 20 cheques or electronic debits issued per month...$1.00/us $1.00 per transaction Activities performed in person, at an HSBC branch, including deposits and withdrawals... $5.00/US $ per transaction Bill payments made in person, at an HSBC branch... $5.00/US $5.00 per payment Deposit content fees: First 20 cheques deposited per month... Free Cheques deposited in excess of the first 20 per month...$0.18/us $ per cheque Currency (cash) deposits, per $1,000...$2.50/US $2.50 Coin deposits*, per $100 (rolled or loose coins)...$2.50/us $2.50 * Not available for ATM deposits. Electronic Funds Transfer: HSBC Business Direct includes the option for an electronic funds transfer (EFT) solution 11 with the setup fee (value $150) and monthly fee (value $55 per month) waived. Other standard EFT service fees will apply. Fees for other products and services (including those described in the Regular Account Service Fees section) are not included in this package. Important Account Notes US dollar and other foreign currency deposits are not insured under the Canada Deposit Insurance Corporation Act. Notice of Withdrawals The Bank reserves the right to require 24 hours notice of withdrawals. Hold Funds Policy When you deposit a cheque or other type of payment to your account, either at a branch or through an HSBC ATM, we may hold some or all of the amount. This means you may not be able to access the funds you deposited right away. You cannot withdraw the funds we hold, and we will not use those funds to pay cheques or pre-authorized debits until the hold period ends. The hold periods below apply to deposits to your commercial account: Deposits of cheques or instruments drawn on a financial institution s branch in Canada and issued in Canadian dollars made in person with an HSBC employee at an HSBC branch: Not exceeding $1, business days Greater than $1, business days All deposits made through an ATM or other method: All amounts 5 business days ATM deposits are treated the same whether they are cash, cheques or other types of payment. All deposits at an ATM follow our hold funds policy. Cheques or instruments drawn on a financial institution outside Canada or in US dollars or other foreign currency may be held for 30 business days to allow for clearing and international settlement. For the purposes of this policy, business days do not include Saturday, Sunday or statutory holidays. The hold periods outlined above do not include the day the cheque or instrument is deposited. The hold period for any deposit may be extended if we need to investigate a cheque, due to situations beyond our control such as a system outage or natural catastrophe, or if the deposit does not meet some specific requirements. Refer to for more details. In this brochure, you will find a description of the fees for our most common financial services. Information on other charges can be obtained by contacting your Account Manager. In the event service fees change, a communication of service fee changes will be released at least 30 days prior to the change. Where certain fees relating to account opening are incurred, these will be advised to you and recovered at the time your account is opened. Unless otherwise stated, all prices are in Canadian Dollars. Fees for US Dollar accounts or services are payable in US Dollars. For specific information about our products, services and fees not included in this brochure, please visit your local HSBC Branch or contact your Account Manager. This brochure may not set out all fees for services provided by the Bank in respect of commercial accounts. Fees not set out in this brochure will be provided to you in a separate document. If the amount of a service fee applicable to a commercial account cannot be established at the time the account is opened, the Bank will provide you with notice of the amount of the fee as soon as practicable after the amount is established. Page 5 of 6
6 1 Debit transactions include debits from an HSBC Bank Canada account by way of withdrawals, bill payments, cheques, preauthorized payments and payments through HSBCnet, the HSBC ATM network 12, telephone banking, IVR (automated interactive voice response system), Interac Direct Payment, HSBC branches and other HSBC accredited channels. 2 Credit transactions include deposits and credits made to an HSBC Bank Canada account from another HSBC Bank Canada account using HSBCnet, HSBC ATMs, telephone banking, IVR (automated interactive voice response system), night deposit service, Remote Deposit Capture service, HSBC branches and other HSBC accredited deposit channels. 3 Refers only to electronic credit of funds to an HSBC Bank Canada account from a non-hsbc Bank Canada account within Canada by way of an electronic funds transfer credit (EFT Credit). 4 Refers to account services requests made in person, with an HSBC employee, at an HSBC branch. 5 For an outgoing payment from your account in the currency of your account to an account denominated in a different currency, we may route the payment through any intermediary (which may be an HSBC Group affiliate) that we deem reasonable under the circumstances and we shall have no liability with respect to such selection. If any outgoing payment from your account designates an intermediary bank, we may select a different intermediary bank on your behalf, where appropriate, and we shall have no liability with respect to such selection. We may have reciprocal commercial referral arrangements with intermediaries. Intermediaries may (but are not obliged to) carry out a currency conversion. Conversions are made at the prevailing market rate chosen by the intermediary. Intermediaries may earn fees, impose fees and make a spread on the cost of buying or selling such currencies as necessary to fulfill a transaction request. You agree we are not acting as your agent in routing outgoing payments involving a currency conversion through intermediaries. Where reciprocal commercial referral arrangements with intermediaries are applicable, we will, on request, obtain and communicate the exchange rate that has been applied by the intermediary after the currency conversion has taken place. 6 For outgoing wire payments from your account in a different currency than that of your account, the payment will be converted at the current day s exchange rate. 7 For outgoing wire payments, intermediaries, including HSBC Group affiliates, and final beneficiary bank, may apply their own fees, which will be charged to the account of the beneficiary or the remitter, as applicable. 8 These fees are automatically deducted from the principal of the payment and are not separately billed to your account. 9 For inbound wire payments, intermediary fees may apply, which will be charged to the account of the beneficiary. 10 HSBC ATM network consists of HSBC ATMs and ATMs of financial institutions who participate in THE EXCHANGE 11 A 2-day hold funds is compulsory for all EFT transactions performed through this package. 12 This account is exclusively for companies with annual revenue less than $1,000,000 and with credit and investment needs less than $100,000. If you do not meet these criteria please visit HSBC.ca or call the HSBC Business Centre for other products and services that will meet your business needs. HSBC BusinessVantage is a registered trademark of HSBC Holdings plc used by HSBC Bank Canada under license. THE EXCHANGE is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership. Issued by HSBC Bank Canada. Trademark of Interac Inc. HSBC Bank Canada is an authorized user of the trademark. Access to Direct Payment purchases is available to Canadian dollar accounts only. HSBC Business Direct is a registered trademark of HSBC Holdings plc used by HSBC Bank Canada under license. Issued by HSBC Bank Canada Page 6 of 6
Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage 2 Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest.
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Accounts & Deposits Issuing a statement of account (Monthly for Current accounts - Half yearly for Savings) From Free of charge To QAR 10.00 Free of charge Free of charge Issuing a duplicate statement:
BMO InvestorLine MAY 1, 2015 & Fee Schedule Count on us for competitive commissions & fees At BMO InvestorLine, we re serious about arming investors like you with the tools and resources you need to invest
m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Price List EffEctivE from 17 february 2015 NEW FASHIONED BANKING the prices and information applicable to your
Business Banking Pricing Guide 1 Account Singapore Dollar Business Accounts Fees Lite Business First Account Value Business Entrepreneur Account Plus Minimum S$3,000 S$30,000 Initial Deposit Account Fee
Rates and Charges Effective from 6 October 2014 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest
PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500
Fee Schedule for Business Accounts A Guide to Your Webster Account At Webster, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make
HSBC Advance Credit Card, Advance International Debit Card and Advance Quikcash Card Card Standard Account Fees Advance Proposition Advance Proposition Fee 7 per month debited to your current or savings
BUSINESS ACCOUNTS DISCLOSURE Prime Alliance Bank Main Office 1868 So. 500 West Woods Cross, UT 84087 April 14, 2014 This disclosure contains information about terms, fees, and interest rates for some of
Account & Miscellaneous Schedule of Fees Effective September 12, 2012 Table of Contents Your Guide to Service Fees... 1 Individual Accounts... 2 Regular Checking... 2 Interest Checking. 2 ATM only Checking
Day-to-Day Banking Companion Booklet January 2015 Introduction 1 Opening A Personal Deposit Account 3 Transferring Your Account to Scotiabank 5 Account Selector Tool 6 General Information about Personal
and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign
Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.
Schedule of fees and charges for business customers Effective June 2011 Contents Introduction 1 Business current account fees and charges explained 2 Types of fees and charges 2 Notification of fees and
This Pricing Guide is your quick reference to charges for products and services offered by United Overseas Bank (UOB) Hong Kong. This is only applicable to accounts maintained with UOB in the Hong Kong
This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts ( Agreement ) are part of the Deposit Account Agreement that governs your Account
Disclosure of Account Terms Account Type Min. to open Daily Min Balance to obtain yield Basic Checking $0 N/A Choice Checking $0 N/A Premium Checking $0 N/A Statement Savings, Holiday Clubs $50 $300-24,999
Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less
General Services Account services Category Autopay (HKD, RMB, and USD) 1. Debit/credit a BEA account - Manually HK$1.5 (minimum HK$100 per instruction) - By MAS Nil 2. Debit/credit an account held at another
Fees Your Guide to Personal Banking Solutions Effective January 12, 2015 Provided by National Bank exclusively for members of the Canadian Medical Association and their families. 02 Canadian Medical Association
TARIFF AND CHARGES CORPORATE BANKING HSBC LEBANON HSBC Bank Middle East Limited, Lebanon Introduction Dear Customer, At HSBC, we believe that you, our customer, should be made fully aware of the fees that
Current/Cheque/Savings Account and Fixed Deposit Terms www.sc.com/sl Copyright 2015 Standard Chartered Bank Version 1.0-2015 Contents 1 Choosing the account that is right for you 1 2 Savings accounts 1
CHANGE OF TERMS NOTICE TO ALL CUSTOMERS This Change of Terms Notice to all Customers consists of four parts. Part I applies only to Consumer Deposit Account customers; Part II applies only to Ease by Bank
I N D E P E N D E N T B A N K ACCOUNT DISCLOSURE AND TERMS & CONDITIONS independent-bank.com T A B L E O F C O N T E N T S Personal Accounts Rewards Checking... 2 Free Checking... 2 Personal Checking...
Business accounts and services Standard fees and charges Contents Solutions tailored to your business needs 3 Canada s bank for business 4 Documents you ll need with you to open a business deposit account
Account Charges Leaflet Your guide to charges you can expect on your Current Account, Current Account Plus, Student Current Account, Privilege and Privilege Premier Current Account The services, charges
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and
Account Specific Terms and Conditions Effective from 15 May 2015 1 Account Specific Terms and Conditions contents Citigold Current Account pages 3-4 Citi Plus Current Account pages 5-6 Citi Access Account
Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Effective November 2, 2015, HSBC Bank USA, N.A. no longer issues official bank checks in foreign currency.
SAVINGS ACCOUNTS BOSVG Fees Charge to open account $0.00 Deposit received in foreign cheque Cheque converted at current exchange rate, commission $5.00 per cheque, stamp duty Transfers received from overseas
Rates and Charges Effective from 1 January 2016 For full details of when and how interest is payable, please refer to your Account Specific Terms and Conditions. Previous interest rates For previous interest
1. Definitions In addition to the terms and conditions provided in the Current Account Contract Conditions and the General Conditions of the Bank, the following definitions are used in these Payment Conditions:
Schedule of fees and charges for business customers Effective 23 February 2015 Bank of Ireland is regulated by the Central Bank of Ireland. 37-560RU.35(02/15) Schedule of fees and charges Contents Introduction
Product and service guide to fees May 4, 2015 Product and service guide to fees Summary Bank accounts 4 Chequing account 4 Merit account 6 Get growing account 7 Preferred savings account 8 Lines of credit