Trinidad and Tobago Personal Schedule of Service Fees and ...

1 safe deposit boxesInformation on annual rental fees for the various sizes of safedeposit boxes offered is available at your branch on and Day Depository ServicesRBC disposable deposit bags$ (per hundred)Replacement KeyNight deposit chute$100 per keyRBC Day to Day BankingMonthly Service charge$ transactions - includes withdrawals, deposits , bill payments and transfers done over the counter$ (includes 5 free cheque trans; $ per cheque trans. thereafter)Point of Sale transactionsRBC Student BankingMonthly Service charge$ (includes 5 free cheque trans. and $ per trans. thereafter)In-branch transactions - includeswithdrawals, deposits , bill paymentsand transfers done over the counterWithdrawal at RBC ATMFREE$ at RBC ATMP oint of Sale transactionsFREEFREERBC Leo s Young Savers FREEFREEM onthly Service chargeFREED epositsIn-branch withdrawals and other customer generated debit transactionsRBC Royal Bank Trinidad and Tobago Personal Banking Schedule of fees and chargesEffective December 2, 2019.

2 All fees are in TTD except where otherwise stated. This is an extract of our overall fees used for Personal and business banking services, charges not listed above may be obtained from the Bank upon request. All information is subject to change. / Trademark(s) of Royal Bank of Canada. Used under servicesElectronic processing fee(payroll, payment, direct debit)$ per item$ per itemDebit return fee$ per item Sundry ACH query$ processing fee(applicable to existing clients only)Credit return fee $ per itemPayroll/Payment/Direct debit servicesExchange of coins1% of value of coins (Min. $ if value is $100)Coin orders 1% of value of coins (Min.)

3 $ )Large cash handling OTC daily deposit (local currency) feeLarge cash handling fee OTC withdrawals (local currency)Large cash handling feeOTC withdrawals (Foreign currency) of daily total amount if OTC cash is $10, of amount if OTC cash is $5,000 of amount if OTC cash is $10,000 Bulk Cash SolutionsForeign Currency AccountsRBC Day to Day Savings - USD CurrencyMonthly Service chargePaper StatementIn-branch transactions - includeswithdrawals, deposits , bill paymentsand transfers done over the counterUSD StatementEUR transactions - includeswithdrawals, deposits , bill payments and transfers done over the counterRBC Day to Day Savings - EURO CurrencyMonthly Service chargeEUR EUR Sixty PlusFREEFREE for bal $15,000 $ for bal < $15.

4 000 FREEFREEFREEFREED epositsMonthly Service chargeCheque, in-branch withdrawals and other customer generated debit transactionsPoint of Sale transactionsWithdrawal at RBC ATMR enewal of Debit cardSavings AccountsRBC Day to Day SavingsMonthly Service charge Paper Statement$ In-branch transactions - includes withdrawals, deposits , bill payments and transfers done over the counter$ $ No Limit BankingRBC VIP BankingMonthly Service chargePaper StatementIn-branch transactions - includeswithdrawals, deposits , bill payments and transfers done over the counterRBC Enhanced SavingsFREE for bal $15,000$ for bal < $15,000 Digital Banking (Online & Mobile Banking)Monthly subscription feeCredit return FeePersonal and small businessFREE$ per item$ per item (deducted from credit amount)Transfers between own accounts atRBC Royal BankFREET ransfers to 3rd party local accounts at RBC Royal BankFREET ransfers to 3rd party international accounts, any destination$ $ paymentsRBC Soft Token and RBC SecureCard first issueRBC Soft Token replacementRBC SecureCard replacementFREETo send funds to any destination - BranchTo send funds to any destination - DigitalTransfer to Other Local Bank (RTGS)

5 TT$ * TT$ $ *To credit a TTD account at RBC TT$ $ (in the currency of payment) To credit a foreign currency account at RBC - USD/CAD/EUR/GBPTo credit a TTD account at another bank(RTGS)To send foreign currency to a local bankUSD/CAD/EUR/GBP$ (in the currency of payment) plus TTD $ cost of foreign draftOutgoing wiresIncoming wiresWire transfersTT$ (waived only for Travellers Cheques)American ExpressForeign Currency Exchange $ of aTraveller ChequeTraveller cheques$ $ $ $ $ $ $ of a TTD DraftIssuance of a Foreign Draft$ of Foreign DraftStanding ordersCancellation of standing orders due to 3 consecutive NSFsStanding order (initial set up fee)Stop PaymentStanding order penalty due to NSFS tanding order amendment feeDormant a/c feeFinal dormant account notice$ ** Return cheque fee - On issuer** Return cheque fee - On DepositorUnauthorized overdraft $ $ $ - $ certificate of deposit$ Mail Cheque books Cheque Book holding fee > 30 daysCheque Book distribution fee (via TT Post)

6 With & without stubwith & without stubPersonal - Duplicate$ per annum2x25 - $ - $ - $ - $ $ $ account closure feebal < $ up to $ - Standard*This fee is waived for Leo s Young Savers** Includes cheque discrepencies, insufficient funds etc.$ per month*(after 3 years inactive) General deposit-related /Sundry Fees Payment services cont dRBC High Interest Bearing eSavingsMonthly Service chargeCheque DebitsIn-branch transactions - includeswithdrawals, deposits , bill payments and transfers done over the counter free for bal $50,000$ for bal < $50,000$ per debit entry$ $ $ AccountsSavings Accounts cont dAge-Based AccountsDepository ServicesElectronic processing fee to other Local Bank$ $ *Plus beneficiary charge if applicable.

7 The beneficiary charge is the Foreign Bank s fee for effecting the payment. This charge will be deducted from the amount sent unless otherwise indicated. Please ask your branch for *Optional and subject to normal lending criteriaVisa Platinum ( Personal ) CardPoint of Sale transactionsWithdrawal at RBC ATMC heques, in-branch withdrawals and othercustomer generated debit transactions Monthly Service charge deposits Rental of a small safe deposit boxSpecially designed VIP Banking personalized chequesRenewal/replacement of client cardLocal and foreign currency draftsAdditional bank statementsCertificate of interest paidCertificate of account balanceStanding ordersPoint of Sale transactionsWithdrawal at RBC ATMW ithdrawal at RBC ATMC heques.

8 In-branch withdrawals and other customer generated debit transactionsDepositsMonthly Service chargeNo annual membership fee*50% discountFREEFREEFREEFREEFREE$ $ (2 additional accounts free of charge) Trinidad and Tobago Personal Banking Schedule of fees and charges(Loans, Mortgages, Overdrafts)Management FeePrepayment/Early Liquidation Fees1% of principal amount,minimum $ Review or Extension Fee (Overdrafts & Revolving Loans only) of authorized limit, minimum $ Documentation Amendment Fee$ Reporting Fee$ per month perreport outstandingLate Fees (Loans & Mortgages only)5% of principal in arrears, min $ , after 10 daysAdministration Fee for release of collateral$ + stamp duty &legal fees (if required)LettersAudit Confirmations$ for current year $ for each prior year Settlement Letters and all other letters$ Financing 22 Special discounts on certain fees for Small Business Clients may fee 2% of monthly instalments, minimum $ $ plus negotiation fee on additional advance Statement Letter Settlement Letter $ $ FacilityTemporary Accommodation FeeAnnual fee for approved limits 5% of overdraft limit, charged monthly (excludes RBC No Limit banking)1% of increased limit, min.

9 $ of loan amount(min $1,000)Late fees Refinancing charge for loans under 1 year$ plus monthly interestWaiver of instalment Consumer loansLending services cont dLending servicesCard services cont dThe content of this publication is for the general guidance and benefit of our clients. While efforts are made to ensure the accuracy and completeness of the information at the time of publication, errors and omissions may occur. You should not act or rely on the information herein without seeking the advice of a professional. RBC Royal Bank ( Trinidad and Tobago ) Limited and its affiliates specifically disclaim any liability which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this publication.

10 RBC Royal Bank ( Trinidad and Tobago ) Limited reserves the right to amend the terms and conditions stated in this Banking clients enjoy flexible long /short term lending solutions and Overdraft protection (Optional and subject to normal lending criteria)3 months interest on current balance To find out more about our Personal Schedule or any other information not listed in this brochure: > Visit your nearest RBC Royal Bank Branch> Call 800-1 RBC (1722)> Visit (02/2020)Disclaimer*Trademarks/registere d trademarks of Visa and MasterCardInternational Incorporated. Used under licence. / Trademark(s) of Royal Bank of Canada. Used under of Service fee and account changesEf fective February, 2020 of principal amount5% of principal and interest in arrears, min$ , after 10 days$ lumpsum allowed - 20% of principalamount.