over the counter cash deposit to other bank 0.4% MIN P25 MAX P 100 (iii) Foreign Currency Accounts- Personal

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1 (iv) Internet Banking Systems Installation Re-installation Monthly fee per user FREE FREE Local Transfers: P 10 International Transfers: Payment Notification P SWIFT CHARGES /month (i) Term Deposits -Early Break Out Charge for breaking a term deposit 1 % / min MAX P 250 (ii) Savings Accounts Minimum Balance of 1 and above Withdrawal fee (over-the-counter) 0.4% MIN MAX P 50 Subsequent withdrawals 0.4% MIN P MAX P Violation of minimum balance /QUARTER over the counter cash deposit at own bank 0.4% MIN MAX 0 over the counter cash deposit to other bank 0.4% MIN MAX P 100 (iii) Foreign Currency Accounts- Personal Violation of minimum balance /QUARTER P15/ STATEMENT Copies of old bank statements /STATEMENT Over- the-counter cash withdrawal 0.4% MIN MAX P Over-the-counter cash deposit 0.4% MIN P 10 MAX P 250 (iv) Foreign Currency Accounts- Business Violation of minimum balance Copies of old bank statements /QUARTER P15/ STATEMENT /STATEMENT Over- the-counter cash withdrawal 0.4% MIN P 15 MAX P 250 Over-the-counter cash deposit 0.4% MIN P 25 MAX P 250 Amendments (incoming SWIFT transfers) Amendments (outgoing SWIFT transfers)

2 (v) General Business Accounts Weekly bank statements Daily bank statements Copies of old bank statements Copies of deposit slips Over- the-counter cash withdrawal Over-the-counter cash deposit Over-the-counter cheque encashment Referral fees (calling customer to normalise excess) Stop payment Incomplete deposit slip External debit order P 20/MONTH P 60/MONTH P 5/STATEMENT P 15/ STATEMENT P 30/SLIP 0.4% MIN MAX 0.4% MIN MAX 0.4% MIN P 3 MAX P30 Closing of account P 80 Auditor's information charge Bulk deposit charge (Above Pula 25000) P % MIN MAX 0 (vi) General Personal Accounts Weekly bank statements Daily bank statements Copies of old statements Copies of deposit slips Bulk deposit charge (Above Pula 25000) Referral fees (calling a customer to normalise excess) Exchange of notes/coins over-the-counter(non- BG customer) Closing of account P20/MONTH P60/MONTH P5/STATEMENT P15/ STATEMENT P30/SLIP 0.4% MIN MAX 0 Incomplete deposit slip P Cheque encashment 0.4% MIN P 3 MAX P 50 Stop payment

3 (vii) Advances/Loans Commercial building Loans: - Processing/Arrangement 1% MIN 0 MAX P Early repayment penalty As per Govt Notice No 111 of 2011 on early settlement of Loans Overdrafts: - Authorised facility arrangement 1% MIN 0 MAX P 650 Excess Availment Prime + 5% Unauthorised facility Prime +10% Renewal of Facility 1% MIN P 100 MAX P 1000 ITC enquiry P 38 /inquiry (c) (i) TRADE FACILITATION CHARGES Foreign Exchange Charges Local SWIFT bank transfer MIN P 50 MAX International SWIFT bank transfer MIN MAX Purchase of foreign notes 3% MIN P20 MAX P 250 Sale of foreign notes 3% MIN P20 MAX P 340 Purchase of foreign draft 2% MIN MAX Sale of foreign draft MIN P 60 MAX Bills negotiated and returned unpaid MIN P 65 MAX P300 Foreign draft Foreign cheque Transfer to accounts at other local banks P30 Transfer to accounts at foreign banks + SWIFT CHARGES Telegraphic transfer + SWIFT CHARGES Real Time Gross Settlement P 30 Draft replacement Inward SWIFT bank transfer Draft request to stop SWIFT cable cost

4 (ii) Letters of Credit (inward - exports) Advising commission Confirming commission Negotiation of documents Amendments (other than extensions) Cancellation Extension of tenure Document examination (iii) Letters of Credit (outwards - import) Establishment of letter of credit Standard letter of credit special letter of credit SWIFT cost on establishment Extention or renewal of letter of credit Increase of amount of letter of credit Drawing commission on letter of credit Amendment of letter of credit Couriering of documents Revolving and standby letter of credit Cancellation of letter of credit 0.25% / QUARTER MIN P150 MAX P % MIN MAX % /QUARTER MIN 0 MAX % /QUARTER MIN 0 MAX % /QUARTER MIN 0 MAX % /QUARTER MIN 0 MAX % /QUARTER MIN 0 MAX 0 MIN MAX P % /QUARTER MIN 0 MAX % /QUARTER MIN 0 MAX % /QUARTER MIN P MAX P % /QUARTER MIN 0 MAX 0 ACTUAL CHARGES 0.25% /QUARTER MIN 0 MAX 0 0 (iv) Foreign Bills (Collection Charges) Outward collection Handling Documentary bills 0.25% MIN MAX 0 Clean bills 0.25% MIN MAX P 350 Inward collection handling Documentary bills 0.25% MIN 0 MAX 0 Clean bills 0.25% MIN MAX P 350 Extention after maturity Cable Charges Avalising of a bill 0 MIN MAX P300

5 (v) Bonds/guarantees/Indemnities Guarantees: Shipping Guarantees bill of lading Indemnities) Establishment Quarterly commission Increase of amounts Extension of tenure 0.25%/QUARTER OF PART THEREOF MIN MAX 0 Property Guarantees: Establishment fee Subsequent Commission on guarantee Assessment fee Other Guarantees: Establishment fee 0.25%/QUARTER OF PART THEREOF MIN MAX %/QUARTER OF PART THEREOF MIN P MAX P %/QUARTER OF PART THEREOF MIN MAX %/QUARTER OF PART THEREOF MIN MAX P Performance/Tender Bonds Establishment: For bank customers For non-bank customers Quarterly commission 0.25%/QUARTER OF PART THEREOF MIN MAX %/QUARTER OF PART THEREOF MIN P 110 MAX 0

6 PAYMENT AND CLEARING CHARGES (i) Cheque-Books/Forms: Standard cheque book: P1 PER CHEQUE LEAF Vetting of privately printed cheques P150 Issue of bank cheque-per cheque leaf: (ii) Deposit-Book pages P pages (iii) Stop Orders Stop order within bank (own accounts) FREE Stop order within bank (third party accounts) P 15 Stop order within bank (loan repayment) P 15 Stop order to other banks (International) P 130 Direct debit P10 Stop order dishonoured: insufficient funds (iv) Penalty charges Stoppage of payment P80 Cheque dishonored due to lack of funds Debit order unpaid Post-dated cheques Excess item fee (v) Account Services Certificate of Balance: Audit confirmation Certificate covering interest paid Balance of account only Full bank history report P 35 Stop payment instruction Real Time Payments and Collections

7 Other Services Fax: Local International Photocopying of documents Courier services Safe custody: Envelope Small box Access to custodial service VAT (Exclusive) P 30 / Page P 50 / Page P5 /PAGE ACTUAL CHARGES P30/QUARTER /QUARTER P 35 /VISIT 12% Of total Charges SWIFT CHARGES (If otherwise Not mentioned) P 100 / instance