NATIONAL COMMERCIAL BANK JAMAICA LTD. SCHEDULE OF FEES AND CHARGES

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1 1.0 CURRENT ACCOUNTS 1.1 Personal: Minimum Monthly Service Charge $ $ $ ($5.91) -1% $0.00 0% Charge per Entry/Cheque $60.00 $69.60 $69.60 $ % $0.00 0% Transfer Between Accounts $ $ $ ($2.12) -1% $2.12 1% Interim Statement $ per statement request (Up to Thereafter, $75.00 per additional page. $ per statement request (Up to Thereafter, $74.36 per additional page. $ per statement request (Up to Thereafter, $74.36 per additional page. ($4.26) per statement Thereafter, ($0.64) per additional page. -1% ($104.26) per statement Thereafter, ($0.00) per additional page. 0% - 21% Cheque Returned NSF $1, $1, $1, ($10.64) -1% $ % Stop Payment/Cancellation Order: Local Cheque $ $ $ ($3.83) -1% $8.83 2% Foreign Cheque USD USD USD (USD 0.34) -1% USD % Dormant Account Fee (per annum) N/A N/A $ N/A N/A $ % 1.2 Corporate: Minimum Monthly Service Charge $ $ $ ($5.91) -1% $0.00 0% Charge per Entry/Cheque $60.00 $69.60 $69.60 $ % $0.00 0% Transfer Between Accounts $ $ $ ($2.12) -1% $2.12 1% Interim Statement $ per statement request (Up to Thereafter, $75.00 per additional page. $ per statement request (Up to Thereafter, $74.36 per additional page. $ per statement request (Up to Thereafter, $74.36 per additional page. ($4.26) per statement Thereafter, ($0.64) per additional page. -1% ($104.26) per statement Thereafter, ($0.00) per additional page. 0% - 21% Cheque Returned NSF $1, $1, $1, ($10.64) -1% $ % Stop Payment/Cancellation Order: Local Cheque $ $ $ ($3.83) -1% $8.83 2% Foreign Cheque USD USD USD (USD 0.34) -1% USD % Dormant Account Fee (per annum) N/A N/A $ N/A N/A $ %

2 2.0 SAVINGS ACCOUNTS 2.1 Personal: In-branch Deposit Transaction Fee $4.00 per J$ 1, on deposit amount in excess of J$1,000, per day $3.96 per J$ 1, on deposit amount in excess of J$1,000, per day $3.96 per J$ 1, on deposit amount in excess of J$2,000, per day ($0.04) -1% $0.00 0% In-branch Withdrawal Transaction Fee $ (Applicable only to withdrwal applicable to all savings accounts $ (Applicable only to withdrwal applicable to all savings accounts $ (Applicable only to withdrwal applicable to all savings accounts ($1.71) -1% $ % type/$ per month (Not applicable accounts) type/$ per month (Not applicable accounts) type/$ per month (Not applicable accounts) ($1.53) -1% $0.00 0% Fees Dormant Account Fee (per annum) N/A N/A $ N/A N/A $ % 2.2 Corporate: In-branch Deposit Transaction Fee N/A N/A N/A N/A N/A N/A N/A In-branch Withdrawal Transaction Fee N/A N/A N/A N/A N/A N/A N/A Dormant Account Fee (per annum) N/A N/A N/A N/A N/A N/A N/A 3.0 TELEGRAPHIC TRANSFER OF FUNDS 3.1 Inward $2, $2, $2, ($19.57) -1% $0.00 0% 3.2 Outward 4.0 E-BANKING 4.1 Automated Banking Machine (ABM) Using Own Machine: $1, plus ( Cost of telex- J$1,450.00) $1, plus ( Cost of telex- J$1,437.66) $1, plus ( Cost of telex- J$1,437.66) ($15.74); Cost of telex- (J$12.34) 1% (Cost of telex -1%) $0.00 0% Withdrawal $30.00 $30.00 $30.00 $0.00 0% $0.00 0% Deposit Free Free Free $0.00 0% $0.00 0% Enquiry Free Free Free $0.00 0% $0.00 0% Transfer Free Free Free $0.00 0% $0.00 0% Declined $12.10 $12.10 $12.10 $0.00 0% $0.00 0% Statement N/A N/A N/A N/A N/A N/A N/A

3 4.1.2 Using Other Machines: Withdrawal $49.35 $58.00 $60.34 $ % $2.34 4% Deposit N/A N/A N/A N/A N/A N/A N/A Enquiry $30.06 $30.00 $31.35 ($0.06) -0.2% $1.35 5% Transfer N/A N/A N/A N/A N/A N/A N/A Declined $30.06 $30.00 $31.35 ($0.06) -0.2% $1.35 5% Statement N/A N/A N/A N/A N/A N/A N/A 4.2 Point of Sale Transactions $15.05 $12.10 $12.10 ($2.95) -20% $0.00 0% 4.3 Internet Banking: Personal Enquiry Free Free Free $0.00 0% $0.00 0% Funds Transfer Free Free Free $0.00 0% $0.00 0% Corporate Enquiry Free Free Free $0.00 0% $0.00 0% Funds Transfer Free Free Free $0.00 0% $0.00 0% 5.0 DEPOSITORY 5.1 Deposit Wallets (range of rental charges per annum) $4, $4, N/A ($38.29) -1% ($4,461.71) -100% 5.2 Safety Deposit Boxes (range of rental charges per annum) $3, $3, $3, $13, per annum ($29.79) -1% $ $10, % - 300% 6.0 LOANS AND DISCOUNTS 6.1 Commitment/Acceptance Fee $8, $10, $12, $2, % $2, % 6.2 Annual Renewal Fee N/A N/A N/A N/A N/A N/A N/A 6.3 Overrun Fee N/A N/A N/A N/A N/A N/A N/A 6.4 Late Payment Fee N/A N/A N/A N/A N/A N/A N/A 6.5 Guarantees/Indemnities: Personal $6, $5, $5, ($51.00) -1% $0.00 0% Corporate $6, $5, $5, ($51.00) -1% $0.00 0% 6.6 Letter of Undertaking $6, $5, $5, ($51.00) -1% $0.00 0% 7.0 CREDIT CARD 7.1 Annual Membership Fee: Business Card, Local Classic, Local Gold) Visa Classic -$3,000.00; Visa Gold- $6, Visa Classic -$3,272.00; Visa Gold- $5, Visa Classic -$3,600.00; Visa Gold- $6, Visa Classic -$272.00; Visa Gold- ($51.00) Visa Classic 9%; Visa Gold -1% Visa Classic -$328.00; Visa Gold- $ Visa Classic - 10%; Visa Gold- 16%

4 7.1.2 Classic, Dual Gold) USD USD USD USD USD USD USD USD % - 5% USD USD % - 11% Other ( Keycard products) $ $3, $1, $3, $1, $3, $ $ % - 3% $ $ % 7.2 Cash Advance Charge: Visa (Classic Gold, Platinum, Corporate Commercial),Dual Classic, Business Card, Local Classis, Local Gold) 8.58% % 8.58% % 8.58% % N/A 0% N/A 0% Classic, Dual Gold) N/A N/A N/A N/A N/A N/A N/A Other (Keycard products) 8.58% % 8.58% % 8.58% % N/A 0% N/A 0% 7.3 Late Payment Charge: Business Card) Visa - $1, Visa - $2, $2, $ % $ % Classic, Dual Gold) US$50.00 USD USD USD USD USD % - 30% USD USD % - 18% Other ( Keycard products) $1, $2, $2, $ % $ % 7.4 Overlimit Charge: Business Card) Visa - $1, Visa - $2, $2, $ % $ % Classic, Dual Gold) USD USD USD USD USD USD % - 30% USD USD % - 18% Other ( Keycard products) $1, $2, $2, $ % $ % 7.5 Replacement Card Fee: Business Card, Local Classic, Local Gold) Visa $1, Visa Classic -$1,983.00; Visa Gold- Free Visa Classic -$2,000.00; Visa Gold- Free $ $ % - 13% $ $ % - 1% Classic, Dual Gold) N/A N/A N/A N/A N/A N/A N/A Other ( Keycard products) $ $1, $ $1, $ $1, $0.00 0% ($110.00) - $ % to 0%

5 8.0 MISCELLANEOUS CHARGES 8.1 Foreign Cheque negotiated $60.00 $59.48 $59.48 ($0.52) -1% $0.00 0% 8.2 Foreign Draft (sold) $ $ $ ($5.10) -1% $ % 8.3 Manager's Cheque: Bank Customer $ $ $ $1.98 1% $0.00 0% Non-Bank Customer $ $ $ ($7.48) -1% $0.00 0% 8.4 Money Order N/A N/A N/A N/A N/A N/A N/A 8.5 Standing Order $ $ $ ($2.12) -1% $ % Certification of Account Bal./Reference 8.6 Letter $1, $1, $1, $ % $0.00 0% 8.7 Cheque Encashment Fee: Own Bank N/A N/A $ N/A N/A $ % Non-Bank Customer $ $ $ ($2.12) -1% $0.00 0% 8.8 Payroll Preparation (charge per $1,000) $4.90 per J$1, $4.86 per J$1, $4.86 per J$1, ($0.04) -1% $0.00 0% 8.9 Audit Confirmation $3, $2, $2, ($25.53) -1% $0.00 0% 8.10 Voucher Search $1, $1, $1, ($11.91) -1% $0.00 0% Source : Information submitted to the Bank of Jamaica by the Commercial Bank as at 31 December of the respective years. Notes: (i). Rates and Charges reflect a sample of the fees applicable to the bank's products / services, and are not to be interpreted as an exhaustive list. (ii) Rates and Charges include applicable taxes. (iii) 100% increase represents either a doubling of the particular fee or charge, or instances where the fee or charge is being introduced/re-introduced for the first time. (iv) 'N/A' Represents service not applicable to institution.