SCHEDULE

OF FEES

Office Locations:
Capital & Credit Merchant Bank Limited  All fees are subject to change without notice.
6 - 8 Grenada Way, Kingston 5  Fees are quoted in Jamaican dollars unless other-
wise stated.
25 Church Street, Montego Bay
8 Main Street, Ocho Rios  Fees may only be waived by the GM or President
 Applicable rate of GCT: 17.5%
Capital & Credit Securities Limited
THIS DOCUMENT IS FOR INTERNAL USE
10-16 Grenada Way, Kingston 5
ONLY
25 Church Street, Montego Bay
Effective: September 2010
8 Main Street, Ocho Rios

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 ACCOUNT SERVICES CCSL STOCK BROKING PROCESSING FEES

Service Description Fees without Fee (Incl. GCT) T24 Code Service Description Fee T24 Code
GCT

Manager’s Cheque $215.00+ OBC $252.63 +OBC CHEQUE Stock Broking Commission on the 2% (min $500) EQ21
order value +GCT

Replacement Managers Cheque $690.00 $810.75 MCHEQUE Withdrawal Fees (Registered Certificate) $375.00 REGCRTWD

Inter CSD Charge (regular) USD27.50 CRTWD

Replacement Draft/ $515.00 $605.13
Issue Duplicate Cheques Inter CSD Charge (Express) USD27.50 INCSDXPR

Extra Cheques $260.00 $305.50 CHEQUE- Certificates Deposited (1st 10, per de- $60.00 CRTDEP
DUPL posit, per Company)
Transfer to other financial institution/ $130.00 $152.75 TRAN-
SOTH Certificates Deposits (each additional 5) $65.00 XRTACD
third party
Standing Order ACH (withdrawal) $45.00 $52.88 Certificate Deposit Reject $65.00 CRTDEPREJ

ACH - 1 off transaction (withdrawal) $45.00 $52.88 Bonus Issue (Per Account) $90.00 BONUSISS

Inter Member Movements $100.00 INTRAMEM

Failed ACH Transaction $100.00 INTRAMEM
Intra Member Movements $90.00

Pledge Fee (Value up to $400,000) $550.00 PLDGFEE

Standing Order - Cheque Request $260.00 $305.50
Pledge Fee (Value over $400,000) $1,100.00 PLDGFEE
Setup
Amendment $86.00 $101.05 Release of Pledge $550.00 PLDGREL

Transaction fee (success) $215.00 $252.63 JSE Cess (of transaction Value) 0.19625% + JSECESS
GCT
Transaction fee (failure) $300.00 $352.50
JCSD Transaction Fee (value up to $75.00 +GCT JCSDFEE
Sweep facility/Standing Instructions be- Free Free $50,000.00)
tween accounts
Setup JCSD Transaction Fee (Value over $150.00 +GCT JCSDFEE
$50,000.00 —$500,000.00
Transaction Fee (in branch) $85.00 $99.88
JCSD Transaction Fee (Value over $250.00 +GCT JCSDFEE
Loan and annual fee payments Free Free $500,000—$1,000,000)

JCSD Transaction Fee (Value over $350.00 +GCT JCSDFEE

$1M—$5M)
Other Bank’s charges for Manager’s Cheque: JCSD Transaction Fee (Value over $5M $400.00 +GCT JCSDFEE
May 2010: BNS $880.00 —$10M)
Feb. 2010: NCB $880.00 JCSD Transaction Fee (Value over $500.00 + GCT JCSDFEE
$10M

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 CCSL PROCESSING FEES ACCOUNT SERVICES CONT’D

Service Description Fee (Incl. GCT) T24 Code

Service Description Fees without Fee (Incl. GCT) T24 Code
GCT Dormant Account The account is classified as
inactive if after 1 year there
are no customer initiated
Liquid Loan Processing Fee 1.5% + GCT transactions on the account.
(Max $50,000.00) No withdrawals will be
Margin Loan Processing Fee allowed, only deposits. A
notification is then sent to
the customer. After 2 years
 $50k—$250k 3%
of no activity the account
 $251k—$1M 2% will be classified as dormant
the customer will be re-
 $1M—$5M 1% quired to update their docu-
ments no withdrawals or
 Above $5M Refer to GM deposits are allowed. A
notice will be sent to the
REPO Early Encashment Fee 0.125% (Max customer. Customers with
$500 + GCT) balance below minimum
N.B. Interest rate also to be reduced
based on rates applicable to tenor balance on the product will
achieved be charged annual fee of
JM$250.00 or 3 currency
MMA Withdrawal Fee $50.00 $58.75 units (USD, CAD, GBP,
EURO) thereafter.
Additional Cheque charge over 2 free $260.00 $305.50
per month

Minimum balance violation $100.00/month + Cheque Returned $750.00 + LBC RETCHQ

reduced interest STOPPAYLC
Stop payment/cancellation $500.00 + LBC
per GM rate sheet

Letter of undertaking or Guarantee 1% -2% : Min

Debit against un-cleared $500.00 DRUNCLRFNDS
issued- local (Corporate): $5,000.00 +GCT
funds (hold funds on cus-
Cash Secured tomer’s other con-
tract/account)
Letter of Undertaking or Guarantees 1%-2%: Min
- foreign Corporate: US$75.00 per
Debit against uncleared Overnight rate on the
annum + GCT
Cash Secured funds (no cleared funds at amount
CCFG, Requires GM ap-
Letter of Undertaking or Guarantee $3,500.00 $4,112.50 proval)
issued/Hypothecation- local
(Individuals)

Letter of Undertaking or Guarantee US$35.00 US$41.12

issued—foreign (Individuals)
Other Bank’s charges for returned cheques (LBC):
May 2010: BNS $955.00
Feb. 2010: NCB $1,250.00

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 ACCOUNT SERVICES—FOREIGN CURRENCY CCMB CREDITOR LIFE SERVICES
Service Description Fee (Incl. T24 Code
GCT) Age of insured below 70 at Ma- Age of insured above 70 at T24 Code

International wire transfer turity Date of Loan Maturity Date of Loan

Inward $12.00 US$14.10 INWARDTLX
Single Life $0.50/1000 Single Life $0.60/1000
Outward $35.00 US$41.13 OUTWARD

Issue Duplicate Foreign Draft $10.00 $11.75+ bank REPDRAFT Joint Life $0.80/1000 Joint Life $0.95/1000
cancellation fee

Extra cheque charge $5 First cheque CHEQUEDUPL

Foreign Draft on local banks (Sold)
Foreign Currency (Cash) presented in
exchange for Draft/Wire Transfer
Travellers cheques - Purchased
(presented in exchange for cash)
Foreign currency cash deposit in excess
of 2000 currency units
Foreign Cheque Stop Payment
Foreign cheque returned
Cheque Deposit - Collection Item
FREE. $5.88 for
each additional
cheque
 Maximum entry age is 65 years old.
$11.75 + OBC
 Maximum age of coverage is 75 years.
0.8%; Minimum FXHLDDRFT  There is no limit on the dollar value of the insurance coverage.
of US$25.00 +
cost of cheque or  No medical is required for loans up to $5 million if the applicant is below
wire 70 years at maturity date of loan.
1.165% TRAVELLERS  Medical required for applicants 70 years and over at maturity date of loan.
 Applicants with loans that exceed $5 Million are required to complete a
0.8% of excess FXHLDCASH
medical assessment form. Sagicor will evaluate the information to deter-
mine if a medical is required.
US$15.00 + FBC STOPPAYFC
 Creditor life premium depends upon the age of the insured at the time of
US$20.00 + FBC RETCHQFC maturity of the loan. There is a premium rate for persons up to the age of
70 years at the time of maturity of the loan, and a premium rate for per-
US$10.00 + OBC OUTCOLLFEE sons above the age of 70 years at the time of maturity of the loan.
 Where a loan is restructured or refinanced, the creditor life is recalculated
on the outstanding balance of the loan.
 Six months creditor life is to be collected in advance, upon disbursement
of a new loan, and thereafter monthly with each loan payment.

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 CCMB CREDIT SERVICES CONT’D Letters, Confirmations, & Other Documents

Service Description Fee Fee (Incl. GCT) T24 Code

Service Description Fee (GCT not T24 Code
Included!!) Statement re-print (local cur- $300.00
rency)
Letter of Credit—Advising and $1,700 + GCT
Amending +FBC Request for Additional State- US$5.00
ments (foreign)
Letter of Credit– Confirmation
Auditor's Confirmation $3000.00 $3,525.00 AUDIT
Letter of Credit - Drawing Under 0.50% of each Certification of Balance (incl. $1,000.00 per letter BALCONFIRM
drawing: Min- letter to embassies)
$1,700 + GCT +
FBC Special Letter (e.g. College, $1,500 per letter
mortgage companies abroad)
Letter of Credit Establishment (90 1%: Min $1,850.00 LTRCR1
days) +GCT +FBC Local facsimile sent to cus- Free
tomer
Letter of Credit Establishment 1.5%: Min LTRCR2
Overseas Facsimile sent/scan $200.00 per page FAX
(90—180 days) $1,850.00+GCT for customer (per page)
+FBC
Voucher search/research $1000.00 per hour VOUSEARCH
Letter of Credit Establishment 2.5%: Min LTRCR3
(over 180 days) $1,850.00 Duplicate Withholding Tax $300.00 TAXCERT
+GCT+FBC Cert
Standby Letter of Credit 2%:Min. $2,500.00 STBLTRCR Duplicate Contract Note $120.00
+GCT+FBC
Courier Charges $200.00 + external
courier charges
Cancellation/Non utilisation of 2%: Min $2,500.00
less than 80% of value +GCT+FBC

Securities Documentation han- 0.1%—0.25% of Please note that we should avoid sending account opening documents by courier to prospective
dling/custody fees (e.g. titles or value of asset (min clients. Where possible documents should be sent by email, or encouraged to download these
other documents not tied to a $6,000) from our website. If these options are not possible, then we should advise the prospect of the
loan) courier charges and endeavour to collect these up front.

Copy of Title Issued $5,000.00

The above fees must either be debited from the customer’s or collected upfront. Input forms
Credit Reports $1,850.00 + GCT CREREP evidencing the collection of these fees must be presented to the authorized signers with the
letters or documents for signing .

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 CCMB ACCOUNT SERVICES CCMB CREDIT SERVICES

SERVICE DESCRIPTION PRE GCT FEE + GCT T24 CODE Service Description Fee T24 Code
FEE
Early Encashment of contracts .1% of amount en-
cashed + reduced Application Fee (Corporate) $5,000.00 + GCT APPFEE
interest rate depending
tenure of contracts. Processing Fee: 2%-3.5%: Min PROCFEES
$5,500.00 + GCT
Minimum balance violation $100./month Non Cash Secured
One off fee assessed monthly, Int. Adjustment per Cash Secured 1% - 2.5%:Min PROCFEESCS
Interest change immediate GM rate table. $5,500.00 + GCT
Savings Accounts closed $430.00 $505.25 (CCMB Cus-
(CCMB Cus- tomers Only) Documentation Fee (Corporate & 0.25% + GCT
within 90 days of opening - Retail Loans secured by Mort-
tomers Only)
Personal gages)
Savings Accounts closed $430.00 $505.25 (CCMB Cus- Re-Negotiation/Processing Fee 1.5% + GCT: Min RENEGPROC
(CCMB Cus- tomers Only) $3.000.00
within 90 days of opening -
tomers Only)
Corporate
Annual Renewal Fee (of outstanding 0.25% - 1% + GCT RENEWFEE
Safe Keeping/Custodial ser- $500.00 $587.50 per annum facility)
vices (certificates)
Letter of undertaking or Guarantee 1% -2% : Min
Cash Deposit in excess of $1M 0.5% of amount in issued- local (Corporate): $5,000.00 +GCT
excess of $1M
Cash Secured
Cash Withdrawal up to Free
Non Cash Secured 1.75% - 3.5%: Min
$100,000.00
$5,000.00 +GCT
Cash Withdrawal over 0.8% of the amount
$100,000.00 Letter of Undertaking or Guaran- 1%-2%: Min
tees - foreign Corporate: US$75.00 per an-
num + GCT
14 day hold violation $500.00 + Int. reversed Cash Secured
Non Cash Secured 1.75% - 3.5%: Min
US$75.00 per an-
num + GCT

Letter of Undertaking or Guaran- $3,500.00 +GCT GUARIND

tee issued/Hypothecation- local
(Individuals)
Where accounts are being closed prior to 90 days, contracts early encashed, or the 14 day
hold is being violated, the fee must be processed first, and the customer paid out the pro-
ceeds after processing these fees. Letter of Undertaking or Guaran- US$35.00 + GCT GUARINDFCY
tee issued—foreign (Individuals)

Credit Administration fee—LU’s 0.25% + GCT

& Guarantees

Late payment fee $1,000.00 $1,175.00

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