First National Bank Online Banking Enterprise™ - Payment Cut-Off Times Direct Payment Express Payment Instant Payment Service Service Service Service Anytime during the day Monday - Friday Anytime (including Saturdays, Sundays within the allowed cut-off and Public Holidays) processing times. In accordance with the cut-off Submission times below. Payments submitted after the cut-off times below will be processed on the next business day. Monday to Friday To First National Bank: To Participating Banks n/a No cut-off time between 09h15 and 11h35 Cut-off To other banks: 09h00 - Times 18h00 Saturdays, Sundays and Public Holidays Payments to both First National Bank and to other banks will n/a only be submitted for processing on the next business day. Any payment processed to a Any payment processed to a Participating Any payment authorised Bank through the Instant Payment service and fully processed to a Participating Bank through the Express service type within the type will be cleared within 1 minute of it Participating Bank being authorised and fully processed on Clearing allowed cut-off processing through the Direct the same day. Times: Payment service type times will be cleared within 6 within the allowed cut-off hours of it being authorised and processing times will be fully processed on the same cleared on the next day. business day. Express payments are Instant payments are posted to the posted to the recipient’s recipient’s account on the same business All payments are posted account on the same day. to the recipient’s account business day. on the next business day. Payments to First National Bank accounts are processed in real-time at no premium cost. Payments to other Banks Time of that do not participate in the Posting National Payments System will be rejected at time of processing. The transaction date that will reflect on the recipient’s transaction history will be the date that the payment was submitted for processing; i.e. the Value Date is the same as the Action Date. Participating Banks ACCESS BANK CHG ACCESS BANK LTD AGRIC. DEVELOPMENT BANK AGRICULTURAL DEVELOPMENT BANK ARB APEX & RURAL BANKS, BANK OF AFRICA - GHANA LTD BANK OF AFRICA LTD BANK OF BARODA (GH) LTD BARCLAYS BANK BANK OF GHANA, BEIGE CAPITAL SAVINGS AND LOANS BARCLAYS BANK CAL BANK BSIC GHANA LTD ECOBANK GHANA LTD ECOBANK (GH) LTD ENERGY BANK ENERGY BANK CHG FBNBANK GHANA LTD FIDELITY BANK GHANA LTD FIDELITY BANK LTD FIRST ATLANTIC BANK FIRST ALLIED SAVINGS AND LOANS FIRST CAPITAL PLUS FIRST NATIONAL BANK GHANA COMMERCIAL BANK GCB BANK GUARANTY TRUST (GH) LTD GUARANTY TRUST BANK HFC BANK (GH) LTD HERITAGE BANK INTERNATIONAL COMMERCIAL HFC BANK MERCHANT BANK (GH) LTD NATIONAL INVESTMENT BANK NATIONAL INVESTMENT BANK PREMIUM BANK PRUDENTIAL BANK LTD PRUDENTIAL BANK LTD SOCIÉTÉ GÉNÉRALE GHANA LTD SOVEREIGN BANK STANBIC BANK GHANA LTD STANBIC BANK STANDARD CHARTERED BANK STANDARD CHARTERED BANK THE ROYAL BANK CHG THE ROYAL BANK UNIBANK GHANA LTD UNITED BANK OF AFRICA UNITED BANK FOR AFRICA UNIVERSAL MERCHANT BANK UT BANK ZENITH BANK LTD Y CAL BANK LTD ZENITH BANK (GH) LTD .