Comparative fees and charges: 01 January 2015-31 March 2015

Comparative fees and charges: 01 January 2015-31 March 2015 NVB MCB BBS SCB HBL BoB BoC Savings Account Minimum balance to open a/c SCR1,000 SCR1,000 SCR1,500 0 0 SCR200 SCR1,000 Minimum balance to earn interest SCR 100 SCR1,000 SCR3,500 0 SCR300 SCR1 SCR5,000 Balances below specified amount SCR15 p.m. if balance falls under SCR3,500 SCR15 p.m if balance falls under 0 SCR15 p.m. if balance falls under SCR300 p.m. if balance falls under SCR200 SCR1,000 p.q. if balance falls under SCR1,000 Savings a/c closure Dormant a/c maintenance fee Issuance of duplicate pass book SCR100 SCR100 Cash transaction at the counter ATM usage Unauthorized O/D 24% p.a. on overdrawn a/c 30% min SCR200 2% to 6% p.a. above PLR ATM cards First card no charge; replacement First card no charge; replacement First card no charge; First card no charge; replacement SCR100 card SCR100. Not issued with savings a/c replacement card SCR100 Salary processing fee by EFT and SCR100 by SWIFT (cost is borne by the employer) MCB Seychelles beneficiaries SCR10 per line Other Bank beneficiaries per line through Barclays Integrator to other BBS a/c, SCR5+ cc per line if conducted manually. Cost is borne by the employer Internal no charge. External salary payments or payments to same bank SCR 25. Cost is borne by the employer Current Account Minimum balance to open a/c Personal a/c SCR2,500; Business/Corporate a/c SCR5,000 SCR1,000 Personal a/c SCR5,000 ; Small Business SCR15,000; Corporate a/c n/a Balances below specified amount Personal a/c p.m. if balance falls under SCR5,000; Small Business a/c p.m. if balance falls under SCR15,000 ; Corporate a/c SCR 3 ledger fee if balances falls below SCR100,000 SCR5,000 SCR1,000 SCR3,000 SCR3,000 SCR 25 p.m. if balance falls under SCR5,000 SCR20 p.m. if balance falls below SCR800 SCR200 p.m. if balance falls below SCR3,000 p.m. if balance falls below SCR3,000 Maintenance fee SCR3 per entry charges half yearly Personal a/c p.m.; Small Business a/c SCR75 p.m.; Corporate a/c no charge SCR3 ledger fee (per line) p.m. SCR100 half yearly SCR 50 half yearly SCR100 half yearly Current a/c closure Cheque books 50 pages SCR90, 100 pages 50 pages SCR130, 100 pages Personal a/c 50 pages SCR100 SCR150 SCR200 Businesses - 50 pages SCR100, 100 pages SCR170 Individuals & Associations - 30 pages SCR75, 50 pages SCR100 Personal and Small businesses - 50 pages SCR120, 100 pages SCR160; Corporate a/c 50 pages SCR120, 100 pages SCR200 Corporate 100 pages SCR210; Personal 100 pages SCR185 30 pages SCR110, 50 pages SCR130, 100 pages SCR170; Corporate 100 pages SCR200 Cheque returned for lack of funds 0 per cheque 0 per cheque 0 cheque 0 cheque 0 per cheque 0 per cheque 0 per cheque Request archive statements SCR5 per page + search fees SCR10 per page SCR5 per page SCR10 per page SCR10 per page per page for over 3 yea Stop payment of cheque per cheque (max SCR300) per cheque SCR60 per cheque SCR150 per cheque per cheque per cheque SCR100 per cheque Automated transfers a/c no charge, to other customer a/c SCR5; External SCR20 per transfer SCR 300 p.m. Internal same customer a/c, other than customer a/c SCR 25 ATM usage

Lost/replacement ATM cards SCR100 SCR100 SCR100 for savings a/c. SCR100 Card not issued with current a/c Dormant a/c maintenance Advances Fees O/D & loans - renewal Unsecured loans 1.5% of facility amount; Secured loans 1% of facility amount; first home buyers 0.5% of facility amount; Corporate loans 1% of facility amount SCR1,000) SCR150) SCR300) 1% of facility amount O/D & loan - arrangement /processing fee Amounts below SCR1 million flat 0; SCR1 million & amounts above SCR1 million ) 1.0 % of facility amount (max 0); first home buyers 0.5% of facility amount; SME loan scheme 0.25% of facility amount (max) Unsecured loans 1.5% of facility amount; Secured loans 1% of facility amount; first home buyers 0.5% of facility amount; Corporate loans 1% of facility amount SCR750) for personal loans and 1.5% (minimum SCR 1,000) for business loans SCR150); first home buyer 0.5 % of facility amount 0.5% to 2% of facility amount (min SCR300) 1% of facility amount O/D & loans - excess/arrears fee 2% above prescribed lending rate Businesses SCR - MBR + 6%; Individuals SCR - MBR + 3.5%; Businesses FCY -Effective Lending rate + 6%; Individuals FCY - Effective Lending rate + 3.5% Corporate PLR + 15% on excess amounts Temporary overdraft - SCR350 + 15% p.a on excess amount 2% above normal lending rate on amount in arrears (charged p.a.) 4% on excess/arrears amount Loans - pre-payment fee Amendment to loan 1% of the faciity 0 0 0.25% of loan amount contracts/agreement Statement of loan a/c SCR10, SCR10 for duplicate Amortisation schedule Loan rescheduling/restructuring 1% of amount restructured 0.5% of facility amount; Corporate 1% (min SCR1,000) of Restructuring 1.0% of 0.25% of loan contract a/c 1% of facility amount outstanding balance outstanding balance Letter of no commitment with the bank 0 SCR100 SCR100 Penalty interest rate 2% above normal interest rate Businesses SCR - MBR + 6%; Individuals SCR - MBR + 3.5%; Businesses FCY - Effective Lending rate + 6%; Individuals FCY - Effective Lending rate + 3.5% Release of guarantees SCR100 Retail no charge; Corporate a/c 0.125% of facility amount (min 0) Loan - cancellation of agreement (predisbursement) 1% of facility amount 1% of facility amount 0.5% of facility amount; Corporate a/c 1% of facility amount Retail 30%. Corporate PLR + 15% 22% p.a. on overdue amount 2% to 6% above prime lending rate 2% p.a above normal interest rate 5% p.a above normal applicable rate 0 0 0.1% of facility amount

Funds Transfers Foreign Payments Drafts Remittance to Individuals SCR100 Remittance to Business 0.5% (min SCR150, max SCR1,250) SCR100 0.25% (min SCR425) Min - max SCR150 SCR400 USD10 Cancellation of draft SCR150 SCR100 SCR100 SCR200 SCR100 handling charges + SCR150 SWIFT charges Stop payment of draft Actual charges from correspondent bank SCR 100 + transmission fee + correspondent bank charges Telex/ TT/ SWIFT SCR175 Remittance to Individuals SCR125 Remittance to Business - 0.5% of amount (min SCR150, max SCR1,250) SCR100 SCR100 SCR150 USD20 If customers bears all charges - 0.25% of amount (min SCR150, max 0) + USD25 (correspondent bank charge) + SCR75 (same day value charge if requested) If sharing charges - 0.25% of amount (min SCR150, max 0) <USD200 or equivalent - USD12; >USD200 to USD 2,000 or equivalent -USD18; >USD2,000 to USD 20,000 or equivalent- USD35; >USD 20,000 or equivalent - USD85 (plus correspondent charges) Commission USD50 on Offshore a/c only SCR100 Less than USD150 commision, above USD150 commission 0.50% (min SCR150) SCR150 USD15 - USD50 max. For Bureau de change a/c USD15 - USD100 max USD20 USD50 0.25% Local Payments Payments made on customers' behalf (outward) a/c no charge, to other customer a/c SCR5; External SCR20 SCR35 other customer a/c ; External: by SWIFT, by SEFT SCR 25 Through SEFT Banker's cheques Standing Orders Current a/c other customer a/c SCR5, External SCR20 (local) a/c no charge, Internal to other customer a/c SCR10, External (local) For loan repayment no charge, between own a/c no charge, for other purposes ; External SCR35 Internal, External Internal SCR30, External other customer a/c, External through SEFT, through SWIFT Internal free, External Savings a/c other customer a/c SCR5, External SCR20 (local) a/c no charge, Internal to other customer a/c SCR10, External (local) Internal, External SCR35 Internal, External Internal SCR30, External other customer a/c, External through SEFT, through SWIFT Internal free, External New standing order set up For loan repayment no charge, between own accounts no charge, for other purposes SCR100 SCR100 SCR100

Amendment to standing order Over the counter SCR20 Unpaid due to lack of funds p.m. SCR300 SCR200 0 SCR20 Foreign Currency Account Minimum balance to open a/c Personal a/c USD2,000, EUR2,000, GBP2,000; Business/Corporate a/c USD10,000, EUR10,000, GBP10,000 SCR1,000 or equivalent USD1,000 or equivalent USD500/GBP300/EUR400 USD300, EUR300 USD200 or equivalent USD1,000 Balances below specified amount USD5/GBP3/EUR4 p.m. USD1, EURO1 p.m. USD100 USD 1,000 Inward transfers received from banks SCR20 Foreign currency a/c opening SCR1,000 or equivalent USD200 Foreign currency a/c maintenance 0.25 in relevant currency USD5; EUR4; GBP3; ZAR50 USD0.20/GBP0.10/EUR0. 15 p.m. Transfer within branch To same customer a/c no charge, to other customer a/c USD1 or equivalent a/c no charge, to other customer a/c SCR10 (USD/EUR equivalent) USD3 Cash withdrawal Cheque books SCR150 or equivalent Businesses - 50 pages SCR100, 100 pages SCR170 Individuals - 30 pages SCR75, 50 pages SCR100 50 pages USD10, 100 pages USD20 USD 10 Cash deposit Documentary Credits (Outwards) Notification SCR300 0.125% SCR300 USD30 USD100 Acceptance 0.75% (min SCR300 p.q.) 0.125% 0.25% (min SCR300) 0.50% (min USD40) 0 Confirmation Actual charges from 0.75% SCR400 p.q. 0.50% (min 0 p.q.) 0.125% (min 0) 0.75% correspondent bank Negotiation 0.75% 0.75% (min SCR75 p.q.) 0.50% USD30 0.50% (min USD40) 0.75% p.m. Opening/ Transferring 0.75% + 0 SWIFT charges USD50 0.25% (min SCR100) USD60 Opening 1% (min SCR400) Transfering 1% min SCR300 2% p.q. (min SCR400) 0.50% Drawing/verification of documentation SCR100 USD50 SCR300 USD30 SCR100 USD50 Amendment 0.75% on amount of increase or period of extension per 3 mths or part thereof + 0 SWIFT charges SCR300 0 0 1% of increased amount min 0 2% of increased amount (min 0) SCR300 Delivery orders goods consigned to Warehousing cost + USD100 0.50% bank Shipping guarantee 5 1% of amount (min SCR400) 1% 0.5% 0 + SCR10 (stamp 0 0.50% duty) Telex/ Fax/ SWIFT sent at client's Actual + 50% (min local Remittance to Business 0.5% of SWIFT SCR125; Others full cost SCR150 SCR125 USD30 request, Overseas SCR125) amount (min SCR 150, max SCR 1,250) Commission SCR125 0.25% 0.5% p.q. Postage charges Local SCR10 per item (min), Overseas (registered) per item Actual cost Actual cost Actual cost + SCR200 Local SCR15, Overseas SCR35 Actual cost Other charges Courier actual cost + 25% (min 0) Tracer 0 Tracer SCR150 Actual cost

Documentary Credits (Inwards) Opening/ Establishment of LC Opening First 6 months with fee prorated for each additional month over and above 1st semester 0.75% min 0 1% 1% 1% min SCR400 2% min SCR300 p.q.> 3 months 50% p.q. or part thereof 0.50% p.a. Advising/ Notification SCR175 SCR300 SCR300 0.125% min SCR200 USD 50 Negotiation 0.75% min 0 1% 0.50% min SCR400 1% subject to min USD50 1% Confirmation Actual cost 0.5% (min 0 p.q.) As charged by correspondent bank Amendment SCR65 Extension of validity - As a % of amount per quarter (or prorated part thereof) - 0.75% SCR 500 Amendments other than validity - SCR 250 T i i F A d 0.25% min 0 1% 0.125% (min 0) 1% 1% min 0 2% of increased amount (min 0)] Transferring of LC 0.75% USD50 0.25% (min USD250) USD60 1% p.q. (min SCR300) 0.5% p.a. Acceptance 0.75% min (SCR300) p.q. 1% 0.50% (min SCR300) 1% (min ) 0.25% p.m. Under other credits Commission on Payment 0.50% USD50 0.25% 0.25% Commission on Issuance 0.75% (min 0) 1% (min SCR400) 0.50% Verification of documentation, SCR100 0 SCR300 USD30 USD 50 Discrepant documents USD60 USD50 USD50 USD30 USD 75 Telex/Fax/ SWIFT sent at client's request Remittance to Business- 0.50% (min SCR150 max SCR1,250) SCR300 SWIFT SCR125, others full cost SCR150 SCR125 SCR300 Postage & courier charges inward 0 Actual cost Actual cost Postage SCR100, Courier Actual cost + SCR100 Local SCR15, Overseas SCR35 Internet banking Monthly subscription Personal no charge; Corporate/Business Individual no charge, Business SCR600 p.a. Retail no charge, Corporate a/c SCR100 Bill payment Retail no charge; Corporate a/c with BBS, other banks SCR15 Internal transfer To same customer no charge; to other customer SCR5 To same customer no charge; to other MCB a/c SCR10 Transfer of funds to other local bank By EFT Retail ; Corporate SCR15 Transfer of funds to other overseas bank By SWIFT SCR175 Remittance to Individuals SCR125 Remittance to Business - 0.50% (min SCR150 max SCR1,250) If customers bears all charges 0.25% (min SCR 150, max SCR 500 local charge) + USD 25 (correspondent charge) ((+ SCR 75) if same day value) If customers shares the cost 0.25% (min SCR 150, max SCR 500 local charge). Corporate a/c SCR175 USD50

Miscellaneous Bank audit report to company's auditors Balances only: SCR125 per request, Balances + Liabilities/Securities: 0 per request 0 Balance only: SCR150, Balances+ Liabilities/Securities: SCR300 SCR150 SCR150 Balance only SCR100, other details SCR200 Status report for customers SCR125 SCR125 SCR150 SCR100 SCR100 SCR 250 Night safe SCR100 per month charged SCR100 per wallet p.q. SCR 300 p.q SC500- R2,000 p.a. Tendering for treasury bills & half yearly SCR150 per bill SCR150 per bill per bill depending on the size of the l k Loss of wallet/ key 0 for replacement 0 SCR600 SCR5,000 (for breaking of safe deposit locker) Disclaimer Please note that the above fees are applicable from January 01, 2015 to March 31, 2015. The CBS has compiled information as received from the commercial banks and as such the CBS accepts no liability for inaccurate information. Before relying on or making use of any information in any way, the public should contact the respective commercial bank to confirm the accuracy of the information SCR200 Abbreviations - Service not being provided by bank p.m. - Per Month p.q - Per Quarter PLR - Prime Lending Rate MBR - MCB Seychelles Base Rate IBB - International Banking Business trans - Transaction a/c - Account O/D - Overdraft min - Minimum max - Maximum LC - Letter of Credit p.a. - Per Annum FCY - Foreign currency