JMMB BANK BANKING FEES All fees include GCT ACCOUNT OPENING SAVINGS ACCOUNT

CURRENT ACCOUNT Cheque Leaves Acquisition (Retail) J$2912.50 Cheque Leaves Acquisition (SME) J$5825.00 Cheque Leaves Acquisition (Corporate) J$17,475.00 Monthly Service Charge FREE Cheque Writing J$50.00 Returned Cheque (Own Bank)/Chargeback Item J$873.75 J$450.00 Stop Payment (Own Bank) J$5000.00 maximum

TRANSACTION RELATED CASH DEPOSITS

1% + GCT (1.17%) on investment/deposits equal to 1,500 units or above in each currency, subject to a per client limit of 500 units per business day Cash Deposits - Foreign Currency and 1,500 units per calendar month. Cash Deposits in excess of J$1M Free

CHEQUE DEPOSITS Returned Cheque J$640.75 Cheque Deposit - Collection Item (US) US$6.99 + Other Bank Charge J$640.75 Foreign Cheque Returned + Other Bank Charge Foreign Cheque Stop Payment US$14.88+ Other Bank Charge Cheque Deposit - Same Day Value (JMMB Bank Cheques) Free

CASH WITHDRAWALS Cash Withdrawals up to J$1,000,000.00 Free

CHEQUE WITHDRAWALS

TRANSFERS WITHIN JMMB BANK Transfer Between Own Accounts (Internal Transfer) Free TRANSFERS TO AND FROM LOCAL INSTITUTIONS Returned/Recalled Electronic Transfers (Local) J$500.00 Transfer to other financial institution/ Third party (Local ACH) J$25.00 Wire - Incoming and Outgoing RTGS Transfers J$250.00

TRANSFERS TO AND FROM INTERNATIONAL INSTITUTIONS International Wire Transfer -Inbound - USD US$23.30 International Wire Transfer -Inbound - GBP n/a International Wire Transfer -Inbound - CAD n/a International Wire Transfer -Inbound - EUR n/a International Wire Transfer -Outbound - USD USD$41.13 International Wire Transfer -Outbound - GBP GBP$27.88 Page 1 of 3 JMMB BANK BANKING FEES All fees include GCT International Wire Transfer -Outbound- CAD CAD$52.15 International Wire Transfer -Outbound - EUR EUR$35.72

MANAGER'S CHEQUE/DRAFT REQUESTS AND SERVICES BOJ Threshold (for cheques cut for JA$1M** or more) J$5825.00 Extra Reissue Cheque Charge J$407.75 Manager's Cheque J$407.75 Manager's cheque - Non-Client J$1000.00 Manager's Cheque - Replacement J$815.50 Foreign Draft US$8.00 + Other Bank Charge Foreign Cheque Local J$436.875 Issue Duplicate Foreign Draft US$11.65 per wire + Bank Cancellation Fee Stop Payment/Cancellation - MC J$582.50

US$14.88 or equivalent for other currencies + Stop Payment/Cancellation - Foreign Draft Other bank charge

BILL PAYMENTS Bill Payment (In-Branch) J$116.50

STANDING ORDER Standing Order ACH (Withdrawal) J$25.00 Standing Order- One time (Set Up) J$500.01 Standing Order Transaction (Failed) J$407.75 Standing Order Transaction (Success) J$500.01 Standing Order to JMMB Accounts FREE

DOCUMENT REQUEST Auditor's Confirmation $3961 .00 per Account/Asset/Loan Certification of balance (incl. letter to Embassies) J$1310.62 J$500.00 plus courier charges per delivery/per Cheque Delivery institutiion Duplicate Withholding Tax Cert J$1,165.00 per replacement tax certificate Special Letters (e.g. College, Mortgage Companies abroad) J$1,310.62 Statement Reprint (Local & Foreign accounts) J$844.63 (for up to 1 year's research) J$2,912.50 per hour J$582.50 Voucher search/ research Maximum J$5,825.00

LOAN Credit Bureau J$1,864.00

Credit Reports J$4,077.50

Late Payment J$1,747.50

Page 2 of 3 JMMB BANK BANKING FEES All fees include GCT GUARANTEE Copy of Title Issued J$5,825.00 Hypothecation J$5,825.00 Documentation ( Corporate & Retail Loans secured by Mortgages) FREE Letter of Credit - Advising and Amending and Processing 1% + GCT (1.17%) + Other bank charge

1.00% of Facility + GCT subject to a minimum Letter of Undertaking charge of J$5,000.00 + GCT (J$5,825.00)

UNSECURED LOAN

Retail - 3.00% of the loan amount + GCT negotiable; minimum J$7,500.00 (J$8,737.50). Corporate - 3% of the loan amount + GCT negotiable. Fees for registering of securities will Processing Fee - Non Cash Secured be charged on a cost recovery basis.

SECURED LOAN

Retail - 3.00% of the loan amount + GCT negotiable; minimum J$7,500.00 (J$8,737.50). Corporate - 3% of the loan amount + GCT negotiable. Fees for registering of securities will Processing - Cash Secured be charged on a cost recovery basis.

DEBIT CARD ATM TRANSACTIONS Credit Union Members at Multilink Withdrawal J$49.01 Balance Inquiry J$37.67 Declined ATM J$37.67 Credit Union Members at Credit Union ATMs Withdrawal J$26.61 Balance Inquiry J$20.50 Transfer J$21.82 Deposit J$16.88 Loan Payment J$16.88 Declined ATM J$15.89

Point of Sales (POS) TRANSACTIONS POS J$16.70 Declined POS J$16.70

REPLACEMENT DEBIT CARD ATM Replacement Card J$757.25. No charge if card is defective

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