Cuentas De Ahorro

RATES AND CONDITIONS INDEX

A. REGULAR SAVINGS ACCOUNTS B. MULTIAHORRO ACCOUNTS C. CHRISTMAS SAVINGS ACCOUNTS D. CHECKING ACCOUNTS IN USD E. CHECKING ACCOUNTS IN USD – INTERNATIONAL BANKING F. CHECKING ACCOUNTS IN FOREIGN CURRENCY G. CHECKING H. DEBIT CARDS: VISA - MASTERCARD – CLAVE I. MULTIPLANILLA EMPRESARIAL J. MULTITRANSFER EMPRESARIAL ACH K. CASHIER’S CHECKS L. LOCAL TRANSFERS M. INTERNATIONAL TRANSFERS N. TRANSFERS IN FOREIGN CURRENCY O. BANK DRAFTS P. ON-LINE BANKING Q. NIGHT TREASURY R. INVESTIGATIONS S. OTHER SERVICES T. BANK GUARANTEES U. LETTERS OF CREDIT – STAND BY V. DOCUMENTARY COLLECTIONS X. IMPORT LETTERS OF CREDIT Y. CLASSIC VISA Y 1.VISA GOLD Y 2.VISA PLATINUM Y 3. VISA BUSINESS Y4. MASTER CARD STANDARD Y 5. MASTER CARD GOLD Y 6. MASTER CARD BUSINESS Y 7. CREDIT CARD RATES (OTHER RATES) Z. PERSONAL LOANS AA. CAR LOANS BB. MORTGAGE LOANS ANNEX 1 – TYPES OF INTERESTS IN THE SAVINGS ACCOUNTS ANNEX 2 – TYPES OF INTERESTS IN MORTGAGE LOANS ANNEX 3 – STAMPS PAYMENT

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 1 Multibank, Inc. CONTENT A. Regular Savings Accounts Natural Person Legal Entity Concepts Local Accounts Opening balance and minimum monthly average USD 20 USD 500 Monthly charge for below-average balance N/A N/A CO Closure of the account before 6 months USD 15 USD 15 CO Maximum withdrawals allowed for the month 6 withdrawals 6 withdrawals Charge per withdrawal in excess of the maximum allowed USD 2 USD 2 CO Monthly inactivity fee after 6 months N/A N/A CO Monthly inactivity fee after 24 months N/A N/A CO Interest rate See Annex 1 TI External Accounts Opening balance and minimum monthly average USD 1,000 USD 5,000 Monthly charge for below-average balance USD 25 USD 50 CO Closure of the account before 6 months USD 15 USD 15 CO Maximum withdrawals allowed for the month 6 withdrawals 6 withdrawals Charge per withdrawal in excess of the maximum allowed USD 2 USD 2 CO Monthly inactivity fee after 6 months USD 15 USD 25 CO Monthly inactivity fee after 24 months USD 50 USD 75 CO Interest rate See Annex 1 TI

B. Multiahorro Accounts Natural Person Legal Entity Concepts Local Accounts Opening balance and minimum monthly average USD 1,000 USD 1,000

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 2 Multibank, Inc. Monthly charge for below-average balance N/A N/A CO Closure of the account before 6 months USD 15 USD 15 CO Maximum withdrawals allowed for the month 6 withdrawals 6 withdrawals Charge per withdrawal in excess of the maximum allowed USD 2 USD 2 CO Monthly inactivity fee after 6 months N/A N/A CO Monthly inactivity fee after 24 months N/A N/A CO Interest rate See Annex 1 TI External Accounts Opening balance and minimum monthly average USD 5,000 USD 5,000 Monthly charge for below-average balance USD 50 USD 50 CO Closure of the account before 6 months USD 15 USD 15 CO Maximum withdrawals allowed for the month 6 withdrawals 6 withdrawals Charge per withdrawal in excess of the maximum allowed USD 2 USD 2 CO Monthly inactivity fee after 6 months USD 25 USD 25 CO Monthly inactivity fee after 24 months USD 75 USD 75 CO Interest rate See Annex 1 TI

C. Christmas Savings Accounts Natural Person Concepts Local Accounts Opening balance and minimum monthly average USD 5 Monthly charge for below-average balance N/A CO Closure of the account before 6 months USD 15 CO Maximum withdrawals allowed for the month Not allowed Withdrawals allowed During the month of December Monthly inactivity fee after 6 months N/A CO Monthly inactivity fee after 24 months N/A CO Interest rate See Annex 1 TI

D. Checking Accounts in USD Natural Person Legal Entity Concepts

Opening balance and minimum monthly average USD 250 USD 1,000 Monthly charge for below-average balance USD 25 USD 25 CO Monthly inactivity fee after 6 months USD 15 USD 25 CO Monthly inactivity fee after 24 months USD 50 USD 75 CO Check stop payment USD 15 USD 15 CO Certification of check USD 3 USD 3 CO Commission for check paid without funds or drawn USD 5 USD 5 CO against product

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 3 Multibank, Inc. Fiscal stamps for every check processed USD 0.10 USD 0.10 TX Casual overdrafts due to lack of funds or drawn against 24% anually, USD 24% anually, USD C product 15 minimum 25 minimum O Making of standard checkbook USD 0.10 per check CO Making of special checkbook According to the supplier’s catalog CT

E. Checking Accounts in USD – International Banking Natural Person Legal Entity Concepts

Opening balance and minimum monthly average USD 1,000 USD 5,000 Monthly charge for below-average balance USD 25 USD 25 CO Monthly inactivity fee after 6 months USD 15 USD 25 CO Monthly inactivity fee after 24 months USD 50 USD 75 CO Check stop payment USD 15 USD 15 CO Certification of check USD 3 USD 3 CO Commission for check paid without funds or drawn USD 5 USD 5 CO against product Fiscal stamps for every check processed USD 0.10 USD 0.10 TX Casual overdrafts due to lack of funds or drawn against 24% anually, USD 24% anually, USD product 15 minimum 25 minimum CO Making of standard checkbook USD 0.10 per check Making of special checkbook According to the supplier’s catalog

F. Checking Accounts in Foreign Currency (EUR = Euros, GBP = Pound Sterling, CAD = Canadian Dollar, CHF = Swiss Franc, JPY = Japanese Yen, CNY = Renminbi or Chinese (1) Yuan) EUR GBP CAD CHF JPY CNY Concepts Opening balance and minimum monthly average 2,000 5,000 10,000 15,000 2,000,000 3,000 Monthly charge for below-average balance 20 25 50 50 8,000 30 CO Monthly inactivity fee after 6 months 15 25 50 50 8,000 25 CO Monthly inactivity fee after 2 years 50 40 75 75 12,000 75 CO Account Statement Retention Fee 10 10 15 15 1,000 15 CO Casual overdrafts due to lack of funds or drawn 24% 24% 24% 24% 24% 24% against product 10 25 50 50 8,000 15 TI min. min. min. min. min. min.

(1) The commissions are established in USD, debiting the account for the exchange value in CNY

G. Checking & Savings Accounts (Other Rates) Natural Person Legal Entity Concepts Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 4 Multibank, Inc. Account Statement Retention Fee USD 10 USD 10 CO Checks returned for lack of funds USD 20 USD 20 CO Checks returned for other causes USD 10 USD 10 CO Deposited checks returned by local Banks USD 15 USD 15 CO Charge for Deposited checks returned by Banks in the USD 25 USD 25 CO USA Charge of the Correspondent for deposited checks USD 25 USD 25 CT returned by Banks in the USA Transaction returned by ACH due to a lack of funds USD 5 USD 5 CO Confirmation of references to clients abroad USD 15 per USD 15 per CO reference reference Charge for management process with SIB, for accounts USD 75 USD 75 CO with more than 5 years of inactivity Copies of checks, deposit slips or account statements See Section R: Investigations CO For establishing conditions of embargo/seizure and USD 25 CO providing balances to the Legal Authority For providing information of the client and the account to USD 25 plus CO the Legal Authority USD 2 per each copy

H. Debit Cards: Visa - MasterCard – Clave Concepts Annual fee for main or additional card, issuance or renewal USD 15 CO See Section R: Claims to the system Investigations CO Transactions in Multibank’s ATMs No Charge Transactions (consultations, withdrawals…) in ATMs of local banks USD 0.85 CO Transactions (consultations, withdrawals…) in ATMs of banks abroad USD 4.50 CO Monthly Fraud Insurance for Visa and Master Card USD 5 CO  Deductible USD 250 PIN Replacement USD 1 CO Card Replacement USD 5 CO

I. Multiplanilla Empresarial

Concepts Annual cost for software maintenance USD 50 CO Bi-monthly cost for payment applied USD 0.50 CO Cost of membership and annuity USD 15 CO Cost of initial installation of software USD 50 CO

J. Multitransfer Empresarial ACH

Concepts Transactions: . Up to 100 USD 25 per month . From 100 to 500 USD 0.40 per transaction . From 500 to 1,000 USD 0.30 per transaction CO . More than 1,000 USD 0.25 per transaction

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 5 Multibank, Inc. Cost per electronic file transmitted USD 5 CO

K. Cashier’s Checks

Concepts Purchased by customers of Multibank USD 10 CO Suspension of Payment USD 15 CO

L. Local transfers

Concepts Transfers between accounts with Multibank No Charge Local transfers USD 5 CO Local transfers made with On-line Banking  Up to USD 5,000 USD 1 . From USD 5,000 to USD 50,000 CO USD 2.50 . From USD 50,000 to USD 200,000 . From USD 200,000 to USD 500,000 USD 5 USD 10

M. International Transfers Concepts Transfers sent and received in USD . Up to USD 50,000 1/8, USD 25 minimum . More than USD 50,000 1/16%, USD 62.50 min., CO USD 500 maximum . SWIFT Commission (only in transfers sent) . Cost of Compliance (only in transfers sent) USD 20

Returned transfers received (Swift Commission) USD 20 CO Amendment of transfers sent USD 45 CO

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 6 Multibank, Inc. N. Transfers in foreign currency

Concepts Transfers made in foreign currency (EUR=Euros, GBP=Pound Sterling, CAD=Canadian Dollar, CHF=Swiss Franc, JPY=Japanese Yen, CNY=Renminbi or Chinese Yuan)

Account to be debited or credited in foreign currency. The commission is charged in the currency of the account  Transfers received (amount in foreign currency) EUR GBP CAD CHF JPY . Transfers sent, costs to the payee or payer 25 20 40 45 4,500

Transfers made in CNY (Renminbi or Chinese Yuan). The .25 .20 .40 .45 .4,500 commission is established in USD, charging the exchange value in CNY. CO  Transfers received  Transfers sent, costs to the payer or payee USD 35 USD 40

Account to be credited or debited in USD. The commission is charged in USD.  Transfers received in EUR, GBP, CAD, CHF, JPY,

and CNY USD 35  Transfers received in other currencies

 Transfers sent in EUR, GBP, CAD, CHF, JPY, and USD 40 CNY USD 40  Transfers sent in other currencies USD 45

O. Bank Drafts

Concepts Drafts issued in USD or other currencies  Up to USD 50,000 1/8%, USD 25 minimum CO  More than USD 50,000 1/16%, USD 62.50 minimum, USD 500 maximum

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 7 Multibank, Inc. Stop Payment USD 20 CO

Swift Commission USD 20 CO

P. On-line Banking

Concepts PIN Replacement USD 1 CO

Q. Night Treasury

Concepts Regular Security Bags USD 40 CO Large Security Bags USD 60 CO Key replacement for security bag USD 15 CO

R. Investigations Concepts Investigations not caused by error of Multibank . Transactions from the previous month USD 1 per copy/doc., USD 5 min.

. Transactions up to 6 months USD 3 per copy/doc., USD 15 min. CO . Transactions up to 1 year

. Transactions up to 3 years USD 5 per copy/doc., USD 35 min. . Transactions of more than 3 years USD 10 per copy/doc., USD 50 min.

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 8 Multibank, Inc. USD 15 per copy/doc., USD 75 min.

Investigations of transactions belonging to the client:

. Various transactions USD 15 . Entertainment and travel documents USD 35 CO . Video request USD 15 per each transaction transmitted

S. Other Services Concepts Letter of confirmation of loan balances No charge Interests certification letter No charge Solvency and reference letter USD 10 CO Balances confirmation to auditors USD 35 CO Irrevocable letter of payment of Consumer Banking No charge CO

Irrevocable letter of payment from other Banking . Up to USD 10,000 . More than USD 10,000 USD 50 CO

2% per year or 1/2% quarterly or fraction Irrevocable letter of payment with collateral  From USD 10,000 to USD 80,000 USD 25 CO  More than USD 80,000 USD 50 Courier commission to send documentation to clients 25% cost of the supplier CT

T. Bank Guarantees Concepts Issuance 1/2% quarterly or fraction, USD 50 minimum CO

Issuance, backed 100% with cash USD 50 quarterly or fraction CO Term Extension 1/2% quarterly or fraction, USD 50 minimum CO Increase amendment 1/2% quarterly or fraction, USD 50 minimum CO Other amendments USD 50 Flat CO Execution USD 50 if proceeds CO Stamps or fiscal stamps See Annex 3 TX Temporary interests 20% per year TI FECI Interest 1% FECI per year if proceeds TX

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 9 Multibank, Inc. U. Letters of Credit – Stand by

Concepts

Issuance 3% per year or fraction, USD 100 minimum CO Issuance, backed 100% with cash 0.50% per year or fraction, USD 100 minimum CO Increase amendment 1/2% quarterly or fraction, USD 50 minimum CO Other amendments USD 50 Flat CO Execution USD 50 if proceeds CO SWIFT Commission USD 150 CO Correspondent’s expenses If proceeds CT Stamps or fiscal stamps See Annex 3 TX Temporary interests 20% per year TI FECI interest 1 % FECI per year if proceeds TX

V. Documentary Collections Concepts Simple collections received (checks or payments) . Up to USD 10,000 1/4%, USD 12.50 minimum . From USD 10,000 to 20,000 CO . More than USD 20,000 1/8%, USD 25 minimum 1/16%, USD 25 minimum Return of simple collections received USD 15 CO

Simple collections sent . Up to USD 20,000 1/2%, USD 25 minimum . From USD 20,000 to 50,000 1/4% CO . More than USD 50,000 1/8% . Courier Commission USD 50 Return of simple collections sent USD 25 CO Documentary collections sent 1/2%, USD 50 minimum  Courier Commission CO USD 50 Documentary collections received  Notification 1/2%, USD 50 minimum

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 10 Multibank, Inc.  Payment Transfer Fee CO  Follow-up for failure to pay USD 5 per notification  Mail USD 6

Return of documentary collections received 1/2%, USD 50 minimum  Courier Commission CO USD 50

SWIFT Commission USD 30 CO Correspondent’s expenses If apply CT Stamps or fiscal stamps See Annex 3 TX

W.Export Letters of Credit Concepts Notification USD 50 CO Confirmation 1/2% quarterly or fraction, 150 minimum CO Use or submission of documents 1/2%, USD 50 minimum CO Handling of documents without confirmation USD 75 CO Acceptance 1/4% per month or fraction, USD 25 minimum CO

Amendment due to time extension 1/8% per month or fraction, USD 50 minimum CO

Amendment due to increase in the amount 1/8% for the increase, USD 25 minimum CO Other amendments USD 100 per ammendment CO Mail USD 6 CO Courier Commission USD 50 CO Expired and unused credit USD 25 CO Expired credit (Re-opening) 1/8 % Flat CO Discrepancy USD 50 per set of documents CO SWIFT Commission USD 100 per opening USD 50 rest CO

Correspondent’s expenses If apply CT

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 11 Multibank, Inc. Transfers under letters of credit 1/4 % Flat CO

Transfer of letters of credit 1/8 % Flat CO

Stamps or fiscal stamps See Annex 3 TX

X. Import Letters of Credit Concepts 1/2% quarterly or fraction, USD 50 minimum Opening 1/8% additional per month or fraction, USD 50 minimum CO

 SWIFT Commission USD 100 Use or submission of documents 1/2%, USD 50 minimum CO Payment 1/4%, USD 25 minimum CO Acceptance 1/8% per month or fraction, USD 25 minimum CO

Amendment due to time extension 1/8% per month or fraction, USD 50 minimum CO Amendment due to increase in the amount 1/2% for the increase, USD 25 minimum CO Other amendments USD 35 per ammendment CO Mail USD 6 CO Discrepancy USD 50 per set of documents CO Expired and unused credit USD 50 plus expenses CO Expired credit (Re-opening) 1/16% Flat CO SWIFT Commission (except for openings) USD 50 CO Correspondent’s expenses If apply CT Transfers under local letters of credit 1/4 % Flat CO Transfer of local letters of credit 1/8 % Flat CO Stamps or fiscal stamps See Annex 3 TX Temporary interests 20% per year TI

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 12 Multibank, Inc. FECI Interest 1 % FECI per year if applies TX

A. Classic Visa Concepts Interest Rate 18% TI Effective Rate 20.17% TI

Annual membership of Main Card USD 70 CO

Annual membership of Additional Card USD 35 CO

Annual Debtor’s Life Insurance USD 1.00 per each thousand of the balance of CO your account Annual Fraud Insurance USD 2 CO  Deductible USD 50 Multiasistencia USD 2 CT

Y 1.Visa Gold

Concepts Interest Rate 16% TI Effective Rate 17.55% TI

Annual Debtor’s Life Insurance USD 1.00 per each thousand of the balance of CO your account Annual Fraud Insurance USD 5 CO  Deductible USD 50 Multiasistencia USD 2.50 CT

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 13 Multibank, Inc. Y 2.Visa Platinum Concepts Interest Rate 14% TI Effective Rate 15.24% TI

Annual Debtor’s Life Insurance USD 1.00 per each thousand of the balance of CO your account Annual Fraud Insurance USD 5.00 Cards with limit of up to USD 34,999.99 and USD 10.00 Cards with limit of USD CO 35,000.00 and more.  Deductible USD 50 Multiasistencia USD 2.50 CT

Y 3. Visa Business Concepts Interest Rate 15% TI Effective Rate 16.38% TI

Monthly payment for clients who request Visa Cancel total balance in the cut-off date by debit Business Cards in branches or other banking to the account CO that are not Corporate or Commercial Annual membership of Main Card USD 70 CO

Annual membership of Additional Card USD 35 CO Annual Fraud Insurance USD 5.00 Cards with limit of up to USD 34,999.99 and USD 10.00 Cards with limit of USD 35,000.00 and more CO  Deductible USD 50

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 14 Multibank, Inc. Y4. Master Card Standard Concepts Interest Rate 18% TI Effective Rate 20.22% TI

Annual Debtor’s Life Insurance USD 1.00 per each thousand of the balance of CO your account Annual Fraud Insurance USD 2 CO  Deductible USD 50

Multiasistencia USD 2.00 CT

Y 5. Master Card Gold Concepts Interest Rate 18% TI Effective Rate 17.52% TI

Annual membership of Additional Card USD 35 CO Annual Debtor’s Life Insurance USD 1.00 per each thousand of the balance of CO your account Annual Fraud Insurance USD 5 CO  Deductible USD 50 Multiasistencia USD 2.50 CT

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 15 Multibank, Inc. Y 6. Master Card Business Concepts Interest Rate 18% TI Effective Rate 15.23% TI Monthly payment for clients who request Business Cards in Corporate or USD 70 CO Commercial Banking Monthly payment for clients who request Business Cards in branches or other USD 35 CO banking that are not Corporate or Commercial Annual membership of Main Card USD 1.00 per each thousand of the balance of CO your account USD 5 Annual membership of Additional Card CO USD 50 Annual Fraud Insurance USD 2.50 CO  Deductible USD 50

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 16 Multibank, Inc. Y 7. Credit Card Rates (Other Rates) Concepts Monthly charge for late payment or lower USD 25 SR minimum payment 3% of the balance owed or minimum of USD 25 + Minimum monthly payment fraud insurance + financing charge

Card replacement (Lost or Stolen) USD 20 CO PIN replacement No charge CO Overdraft fee USD 25 CO Returned check charge USD 25 CO Charge for ATMs or Branch USD 5.00 up to USD 100.00 and from USD CO 101.00, 3% Investigation of charges or claims that do USD 35 CT not proceed Urgent card for the same day USD 100 CT Urgent PIN for the same day USD 100 CO Account Statement copy – previous month USD 5 CO Account Statement copy – more than two USD 15 CO months Retention of account statement at Branch USD 5 CO Charge for copy of voucher:  Charge for various transactions claims USD 15  Training and travel documents CO  Video request USD 35 USD 15

Statement Letter No charge FECI Charge The FECI charge is 1% if the balance to the cut- TX off is more than USD 5000

Y. Personal Loans

Concepts Closing Fee 7.758% CO Check Commission USD 8.03 CO Consumer Income (depending on the amounts) USD 1.07 CO Notary’s Office (Consumer) USD 5.35 CO

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 17 Multibank, Inc. Penalty for early cancellation 2% of the balance owed of the SR personal loan

ID Verification USD 1.07 CO Fiscal stamp per each check processed USD 0.10 per thousand TX Notary’s Office Expenses  Personal Loans USD 5.00 per promissory note  Pledge Loan

 If the client does not sign (only Senior Citizens and USD 10.00 per Pledge Pensioners) CT  If it is a loan “at his/her request” (only Senior Citizens and Pensioners) USD 10.00

USD 15.00

Life Insurance 2.25% CT

Z. Car Loans

Concepts

Closing Fee 1.758 % of the amount to be financed CO Administrative Expenses Up to USD 250 CO Release of car due to Cancellation USD 26.75 CO Charges to Third Parties

Fixed Charge- FWLA USD 1.61 CT Legal Expenses- FWLA USD 176.55 CT Life Insurance USD 0.00033 CT Notary’s Office USD 5.00 per promissory note CT ID Verification USD 1.07 CO Release of car with deed USD 80.25 CT Penalty  Cancellation before the first 3 years 2 monthly payments in addition to the balance SR of the validity of the credit. of the car loan.

AA. Mortgage Loans

Concepts Interest Rate See Annex 2 TI Administrative Expenses (local clients) USD 8 CO Surcharge for default 5% per year SR Closing Fee . Clients Abroad 2% . Secured Loans (Consumer) 2% . Senior Citizens CO 1%

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 18 Multibank, Inc. Payments retained . Free agents 1 monthly payment . Foreigners Payment retained for the term of the loan in ledger account 2 monthly payments

Commission for preparation of checks . Payments to third parties for secured loans USD 7 CO (consumer) Mortgages cancellation minutes  Legal Department Fees USD 150 CO Penalties  Cancellation before the first 5 years 2%  After the first 5 years CO 1%

ID Verification USD 1.00 CO Life Group Insurance  Age 18-55 Individually USD 0.30  Age 18-55 Jointly USD 0.55  Age 56-60 Individually USD 0.40  Age 56-60 Jointly USD 0.70 CT  Age 61-70 Individually  Age 61-70 Jointly (calculated with the oldest debtor) USD 1.00 USD 1.69

Fire Group Insurance  Province of Panamá USD 0.12  Province of Veraguas USD 0.12  Province of Chiriquí USD 0.15  Province of Bocas del Toro USD 0.25 CT  Province of Colón USD 0.15  Province of Los Santos USD 0.12  Province of Coclé USD 0.12  Province of Herrera USD 0.12 Attorneys at Law’s Fees  Deed preparation USD 175 CT  Minute preparation (deed made by the promoter) USD 125

Notary’s Offices  Notarize Direct Discount USD 14  Notarized paper USD 2  Stamps (per each page) USD 4 CT  Notarial Rights (Cancellations, Sales, Transfers, etc.) Fee established by each according to the amount Notary’s Office according to the amount Panama Public Registry  (Cancellations, Sales, Transfers, etc.) Fee established by Panama Public Registry.  Prime rate certification USD 30 CT  Estate qualification

USD 10

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 19 Multibank, Inc. Annex 1 – Types of Interests in the Savings Accounts Concepts Regular Savings Up to USD 20.00 0% TI From USD 20.00 to USD 50,000 1.25% TI More than USD 50,000 0.30% TI Multiahorro Up to USD 1,000 0.50% TI From USD 1,000 to USD 25,000 2.50% TI From USD 25,000 to USD 50,000 3.00% TI From USD 50,000.00 to USD 100,000 0.50% TI From USD 100,000 to USD 500,000 0.375% TI More than USD 500,000 0.25% TI Christmas Savings Up to USD 5,000 2.50% TI More than USD 5,000 0.00% TI

Note: The interests are calculated by sections, id. est., in a regular Savings Account, the first USD 50,000 is calculated to 1.25%, and the amount over USD 50,000 is calculated to 0.30%.

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 20 Multibank, Inc. Annex 2 – Types of Interests in Mortgage Loans Concepts Prime Rate Up to USD 30,000 0% TI From USD 30,000 to USD 65,000 3% TI From USD 65,000 to USD 80,000 5% TI Not Prime Rate Not Prime Rate 6.75% TI Foreigners 7.75% TI Beach and country houses 7% + FECI TI Mortgage security (second mortgage) 7% + FECI TI

The Bank may vary the interest rate according to the cost of funds and conditions of the market, promotions and fairs. The effective rate is calculated on the basis of the term, plus administrative expenditure, plus Commission when it applies; you will be notified in the letter of terms and conditions.

Annex 3 – Stamps Payment Concepts Time Drafts  Out of the Republic of Panama and to be paid at it per each (B/. 100.00) or USD 0.05 fraction of hundred of the draft value.  In the Republic, to be paid at it, per each (B/. 100.00) or fraction of TX hundred.

USD 0.10

Concepts: IR (Interest Rate); CO (Commission); SR (Surcharges); CT (Charge for Third Parties Accounts); TX (Taxes). Note: Banking commissions are subject to ITBMS Tax. Page 21 Multibank, Inc.