Schedule of Charges

1 Effective: April 14, 2022 RetailBarbadosSchedule of ChargesLast Updated: April 14, 20221123 SUNDRY SERVICES4 LENDING AND CARD SERVICES5 CORPORATE SERVICES6 TRADE SERVICESPERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - LOCAL CURRENCYPERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - FOREIGN CURRENCYCONTENTSS chedule of Charges2 Monthly service fee $ Average balance to avoid monthly service feeN/AWithdrawals /Debits/Cheques In Branch/Over The Counter$ eachMonthly service fee$ Deposits/Credits In Branch/Over The CounterNo ChargeWithdrawals /Debits In Branch/Over The Counter$ eachDeposits/Credits In Branch/Over The CounterNo ChargeAverage balance to avoid monthly service fee$5, Monthly service fee for falling below average balance$ Withdrawals / Debits Over The Counter10 free, thereafter $ Withdrawals /Debits/Cheques In Branch/Over The Counter2 free, thereafter $ / Credits - In Branch/Over The CounterNo ChargeDeposits/Credits In Branch/Over The CounterNo ChargeMonthly service feeNo ChargeAverage balance to avoid monthly service fee$5, Withdrawals / Debits Over The CounterNo ChargeMonthly service fee for falling below average balance$ Deposits / Credits - In Branch/Over The CounterNo ChargeWithdrawals /Debits/Cheques In Branch/Over The Counter$ eachDeposits/Credits In Branch/Over The CounterNo ChargeMonthly service feeNo ChargeWithdrawals / Debits Over The Counter4 free.

2 Thereafter $ service fee $ Deposits / Credits - In Branch/Over The CounterNo ChargeWithdrawals /Debits/Cheques In Branch/Over The Counter$ eachSee Sundry Services Section for Applicable ABM chargesDeposits/Credits In Branch/Over The Counter$ eachMonthly service fee No ChargeMonthly service fee $ Withdrawals / Debits Over The CounterNo ChargeWithdrawals /Debits/Cheques In Branch/Over The Counter$ eachDeposits/Credits In Branch/Over The CounterNo ChargeDeposits/Credits In Branch/Over The Counter$ eachMonthly service fee No ChargeWithdrawals / Debits Over The Counter$ eachWithdrawals /Debits/Cheques In Branch/Over The CounterNo ChargeDeposits / Credits - In Branch/Over The Counter$ eachDeposits/Credits In Branch/Over The CounterNo ChargeMonthly service feeN/AWithdrawals /Debits/Cheques In Branch/Over The CounterNo ChargeDeposits/Credits In Branch/Over The CounterNo ChargeTransfer to another internal account on maturityTransfer to another institution on maturitySchedule of ChargesPERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - LOCAL CURRENCYR egular Chequing Accounts (Product Code 22 and 104)Direct Banking Savings (Product 732) Bank@Work Accounts (Product Code 822)* Money Multiplier Accounts (Product Code 7 and 9) Bank@School Accounts (Product Code 798)SureStart (Junior Savers) Accounts (Product Code 125 and 175)Senior Savers Accounts (Product Code 44 and 176)Savings Plus Accounts (Product Code 42 and 697)Regular Savings Accounts (Product Code 33 and 180)Chequing Plus Accounts (Product Code 717)Notes:1.

3 * - Product/Service Not offered to new clients2. Senior Chequing & Savings Accounts - Commission Free Services on Local Mgr Cheques, Standing Orders & Traveller's Cheques3. All figures are quoted in Barbados Dollars unless otherwise stated. Seniors Chequing Accounts (Product Code 170)Platinum Chequing Accounts (Product Code 783)Direct Banking Accounts (Product 154)Fixed Deposit Accounts No ChargeDraft/ wire Cost3 Minimum balance to avoid monthly service feeUSD 1, monthly service fee service fee for falling below min. /Debits/Cheques In Branch/Over The Counter /Debits In Branch/Over The CounterUSD In Branch/Over The CounterNo ChargeDeposits/Credits In Branch/Over The CounterNo ChargeMinimum balance to avoid monthly service feeUSD 1, monthly service fee(charged only if there is account activity during the month) Monthly service fee for falling below min. /Debits/Cheques In Branch/Over The Counter Withdrawals /Debits In Branch/Over The CounterUSD In Branch/Over The CounterNo ChargeDeposits/Credits In Branch/Over The CounterNo ChargeEUR deposit of Average Monthly Balance Minimum monthly service feeCAD /Debits/Cheques In Branch/Over The CounterCAD In Branch/Over The CounterNo Charge3.

4 EUR currency fixed deposits and transaction accounts, where offered, are charged at a rate of per All figures are quoted in Barbados Dollars unless otherwise of ChargesPERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - FOREIGN CURRENCYUSD Current Accounts (Product Code 16)GBP Chequing Accounts (Product Code 120)Note:1. * - Product/Service Not offered to new clientsUNITED STATES DOLLAR (USD)CANADIAN DOLLAR (CAD)CAD Chequing Accounts (Product Code 23)POUND STERLING (GBP)EURO DOLLARS (EUR)EUR Chequing Accounts (Product Code 122)USD Savings Accounts (Product Code 18)4 International wire Transfers (local equivalent): BranchOnline$1 to $99, $ $ $100,000 and Over$ $ 1st Send wire transfer $1 to $1, $ $1, to $20, $ Local / Regional Transfers:To / from an account held at other local banks via RTGS (local currency transactions only)$ $ To an account held in a territory where one of our regional branches operate$ $ Incoming wire Transfers:To credit an account at one of our branchesTo credit an account held at other local banksPayable on presentation of Photo IdentificationReturned wire Payments.

5 Incoming and Outgoing Tracers on wire TransfersLocal drafts (Manager s cheques)USD Currency Drafts Other Foreign Currency DraftsTracers on Local draftsTracer on Foreign draftsStop Payment on Local draftsStop Payment on Foreign draftsDuplicate / Replacement draftsCharges for foreign currency transactions where same currency tendered as for that being purchasedLocal currency for foreign currencyForeign currency for local currencyPreparation & Submission of FC forms for ApprovalRegistration of inward investment with Central Bank (preparation &/or submission of Central Bank forms)Registration for funds for repatriation$ $20 + Draft ChargeDRAFTS &/OR INTERNATIONAL MONEY ORDERSN otes:1. All figures are quoted in local currency unless otherwise RTGS - Real Time Gross Settlement is an initiative of some local Central Banks that allows commercial banks to make (large) inter-bank transactions in real-time in local All wires are sent for Beneficiary to pay Correspondent fees by default.

6 If the sender wishes to pay this fee, US$24 will be added upfront to the cost of the Stamp Duty applicable for wire transfer Foreign Exchange Fee (FEF) - calculated as 2%*(nominal value*applicable exchange rate)2% of local equivalent of transfer amount 2% of local equivalent of transfer amount $ USD $ $ charge1% Min $ draft feeFOREIGN CURRENCY EXCHANGE2% of local equivalent of transfer amount $ (includes foreign bank fees)ChargesForeign Exchange Fee(pre-tax) of ChargesSUNDRY SERVICES$ $ + costs$ + costs$ + stamp duty$ + stamp duty$ + stamp dutyForeign Exchange $ $ No charge$ (pre-tax)Charges2% of local equivalent of transfer amount 2% of local equivalent of transfer amount 2% of local equivalent of transfer amount 2% of local equivalent of transfer amount wire TRANSFERS2% of local equivalent of transfer amount 2% of local equivalent of transfer amount 5 Schedule of ChargesSUNDRY SERVICESM onthly Access Fee No ChargeOutgoing: Inland$ + Draft Charges1st InsightsNo ChargeIncoming:$10 (+$10 to other bank)Where vouchers are held at local branchNo ChargeCashed in$ Same Month (within 30 days of last statement): 1-5 Vouchers / Items$ Each additional Voucher / Item$ eachSet-up$ Up to 3 monthsAmendment$ 1-5 Vouchers / Items$ Internal Orders : Each additional Voucher / Item$ each Loan Payments or Annual fees for a FirstCaribbean serviceNo ChargeOver 1 Year and up to 7 Years: Between other accounts$ 1-5 Vouchers / Items$ External Standing Orders.

7 transfer funds LOCALLY - DRAFT$ + stamp duty Each additional Voucher / Item$ eachExternal Standing Orders: transfer funds LOCALLY - RTGS$ + stamp duty External Standing Orders:To transfer funds OVERSEAS$ +stamp duty + draft/ wire feeVia the Branch CounterN/AVia the ABMNo ChargeCheque books (all styles)Cost + stamp dutyVia OnlineNo ChargeStop payment on a local cheque (all reasons) $ eachVia Standing Order (Diary Card) -bills sent to us for payment$ eachStop payment on a foreign cheque (all reasons) $ (includes foreign bank fees)Via Direct Debit (Pre-Authorized Payment)$ eachCharge backs (items returned to us by another bank): Local cheque$ Foreign cheque$ By customer via our ABM, telephone or online BankingNo ChargeNon-Sufficient Funds $ + stamp dutyBy customer via another Bank ABMN/AForeign Cheque Processing Fee$ + stamp dutyBy us on written/faxed/telephoned instructions$ New issue / replacement of expired or stolen cardFreeReplacement of lost card$ **Mini Statement Print$ ABM DepositsNo chargeAudit Certificate $ + VATABM Withdrawals:Credit bureau report$ At a FirstCaribbean ABMNo chargeCertificate / Confirmation of balance$ + VAT At another bank s ABM$ Certificate of interest Paid$ + VATP oint of Sale purchases$ Reference Letters$ + VAT**FREE ABM Ministatements for the following account types:Fax sent / received for a customer.

8 Direct Banking, Direct Banking (Savings), Bank@Work, Bank@School Local$ Senior Savings, Senior Chequing Overseas$ Signature verificationFreeInsurance on Registered MailCostMailed / Regular / diary filled statementNo ChargePhotocopying documents$ per sheetDuplicate / Additional / Interim statement$ eachCoin Orders (requesting coin)-Same day request2% Minimum $ print / photocopy$ eachCoin Handling (exchanging for Bills)2% Minimum $ for collection at the branch$ + VATE-statement: Set UpNo ChargeWithin 90 days$ Monthly Subscription Fee (to be collected via standing order)Within 180 days$ Daily filesUS$ / accountFor USD AccountsWeekly FilesUS$ / accountWithin 90 daysUSD Monthly FilesUS$ / accountWithin 180 daysUSD Transaction FeeNo chargeMAIL TRANSFERSSTANDING ORDERSRESEARCHONLINE BANKINGTRAVELER'S CHEQUESBILL PAYMENTSTATEMENTSACCOUNT TRANSFERSABMCHEQUE RELATEDMISCELLANEOUS SERVICESACCOUNT CLOSURE6 Schedule of ChargesSUNDRY SERVICESI nitial Notice (when account goes dormant after 2 years of inactivity)$ Fee for depositing large cash deposits in-Branch $ per every $1,000 deposited Notice thereafter (every year of inactivity)$ eachFee for depositing large cash deposits via Night deposits$ per every $1,000 of the total deposit for amts $10,000 & overReactivationNo ChargeTransfer to Central Bank (after 10 years of dormancy)No ChargeAnnual Rental Fees.

9 Annual (Rental) Fees: Small ( x 5)$ + VAT Sealed envelopes $ + VAT Medium ( x 5)$ + VAT Sealed boxes / packages: Large (3 x 10)$ + VAT Small$ + VAT Ex-Large (5 x5)$ + VAT Large$ + VAT Ex- Large ( x )$ + VAT Extra Large$ + VAT Ex-Large (5 x )$ + VATL ocked boxes, trunks, etc.$ **Refund of Annual Rental Fee (box closed before year end)Annual fee less outstanding Charges & taxesStocks, debentures, share certificates, Deeds, treasury bills $ per item, Min. $100 per annumOther Fees:Other Fees: Number of free visits per month2 Number of free visits per month2 Additional visits per month$ Additional visits per month$ Forced entry / Drilling of Box$ + expenses Obsolete collateral $ Listing of contents$ Estate opening of box$ Replacement / Lost key$ + VATN otes:1. * - Product/Service Not offered to new clients2.

10 All figures are quoted in Barbados Dollars unless otherwise **Inclusive of all foreign currency and coin DEPOSIT BOXESSAFEKEEPING AND SECURITIESLARGE CASH DEPOSITS **DORMANCY PROTECTION7 Setup / Annual Renewal Fee 1% Min.$ Overdraft Setup Fee1% Min. $ Overdraft Fee (in addition to encroachment rate)1% Min. $ Overdraft Fee (in addition to encroachment rate)2% Min. $ FeesNo chargeAnnual FeesNo chargeFast Card Fees (Courier Charges only)$ USD equivFast Card Fees (Courier Charges only)$ ABM Balance Inquiry Fee:ABM Balance Inquiry Fee: At a local FirstCaribbean ABMNo charge At a local FirstCaribbean ABMNo charge At another bank s ABM$ At another bank s ABM$ ABM Withdrawals:ABM Withdrawals: At a local FirstCaribbean ABMNo charge At a local FirstCaribbean ABMNo charge At another local bank s ABM$ At another local bank s ABM$ At International/Overseas bank s ABM (Including FirstCaribbean ABMs in another country)$ At International/Overseas bank s ABM (Including FirstCaribbean ABMs in another country)$ Point of Sale PurchasesFreePoint of Sale PurchasesFreeReplacement & Additional Cards - Classic $ Replacement & Additional Cards - Classic $ Replacement & Additional Cards - Platinum $ Replacement & Additional Cards - Platinum $ Stamp DutyN/AStamp DutyNo ChargeDeclined Transactions:Declined Transactions.