feel at home... FNB Channel Islands Pricing guide 2015/2016

FNB Channel Islands

Pricing guide 2015/2016

feel at home...

FNB Channel Islands –

Individual Pricing Guide

• Contact your Private Banker

• Call our Channel Islands Service Suite on:

- UK number: +44 330 350 0213 - Local number: 087 730 6010

- International number: +2711 369 1500

• Visit our website at www.fnbci.co.uk

Sterling Current Account Fees

The following transactions and services are FREE: Sterling ATM cash withdrawals, Sterling over the counter cash withdrawals, card replacements, balance enquiries, payment confirmations, all debit card swipes, statements, CHAPS payments, faster payments, same currency inter- account transfers, standing orders and card deliveries.

Transaction Description Amount Notes

Minimum deposit and

balance to be maintained GBP 5 000 This balance must be maintained in order for the monthly fee to be waived

Monthly fee GBP 15 If minimum balance is not maintained in the account Non- Sterling ATM and

Over The Counter cash withdrawal fee

GBP 2 Outward SWIFT/

International payments GBP 30 This fee is also applicable to cross-currency inter-account transfers

Payment investigation GBP 30 Inward SWIFT payments FREE

Excess fee GBP 10

Returned payment/

transaction GBP 20

Interest on overdrawn

account 15%

Interest on credit balance 0.30% (AER) Regardless of the balance on your account

For definition of terms/acronyms you are not familiar with in this guide, please check the Standard Terminology section.

Savings and Investment Account Fees

(GBP/USD/EUR)

The following transactions and services are FREE: Balance enquiries, payment confirmations, statements, faster payments*, same currency inter- account transfers*, inward payments.

Call Account 32 Day Notice Account

Fixed Deposit Account

Minimum deposit and

balance to be maintained EUR 5 000GBP/USD/

GBP/USD/ EUR 5 000 GBP/USD/ EUR 10 000 CHAPS payments GBP 30 - -Outward SWIFT/ International payments (This fee is also applicable to cross currency inter-account transfers) GBP 30 (or USD/EUR equivalent) -

-Inward SWIFT payments (This fee is applicable to cross currency inward payments - not applicable to cross currency inter-account transfers)

FREE FREE FREE

Payment investigation GBP 30 (or USD/EUR equivalent) GBP 30 (or USD/EUR equivalent) GBP 30 (or USD/EUR equivalent) *Only applicable to Call Account.

For definition of terms/acronyms you are not familiar with in this guide, please check the Standard Terminology section.

Quoted Rates for Savings Accounts

Call Account

Minimum deposit GBP/USD/EUR 5 000

GBP USD EUR GROSS AER GROSS AER GROSS AER 0 - 5,000 5, 001 - 25, 000 25, 001 - 50, 000 50, 001 - 100, 000 100, 001 - 250, 000 250, 001 plus 0.30% 0.30% 0.05% 0.05% 0.00% 0.00% 0.50% 0.50% 0.40% 0.40% 0.15% 0.15% 1.15% 1.16% 0.40% 0.40% 0.15% 0.15% 1.15% 1.16% 0.40% 0.40% 0.15% 0.15% 1.15% 1.16% 0.40% 0.40% 0.15% 0.15% 1.20% 1.21% 0.45% 0.45% 0.20% 0.20%

32 Day Notice Account Minimum deposit GBP/USD/EUR 5 000

GBP USD EUR GROSS AER GROSS AER GROSS AER 0 - 5,000 5, 001 - 25, 000 25, 001 - 50, 000 50, 001 - 100, 000 100, 001 - 250, 000 250, 001 plus 0.30% 0.30% 0.05% 0.05% 0.00% 0.00% 0.55% 0.55% 0.45% 0.45% 0.20% 0.20% 1.35% 1.36% 0.50% 0.50% 0.20% 0.20% 1.35% 1.36% 0.50% 0.50% 0.20% 0.20% 1.35% 1.36% 0.55% 0.55% 0.20% 0.20% 1.40% 1.41% 0.60% 0.60% 0.25% 0.25%

3 Months Fixed Deposit Account Minimum deposit GBP/USD/EUR 10 000

GBP USD EUR GROSS AER GROSS AER GROSS AER 0 - 10, 000 10, 001 - 25,000 25, 001 - 50, 000 50, 001 - 100, 000 100, 001 - 250,000 250, 001 plus 0.30% 0.30% 0.10% 0.10% 0.00% 0.00% 0.90% 0.90% 0.50% 0.50% 0.30% 0.30% 1.45% 1.46% 0.70% 0.70% 0.30% 0.30% 1.45% 1.46% 0.70% 0.70% 0.30% 0.30% 1.45% 1.46% 0.70% 0.70% 0.30% 0.30% 1.45% 1.46% 0.70% 0.70% 0.30% 0.30%

6 Months Fixed Deposit Account Minimum deposit GBP/USD/EUR 10 000

GBP USD EUR GROSS AER GROSS AER GROSS AER 0 - 10, 000 10, 001 - 25, 000 25, 001 - 50, 000 50, 001 - 100, 000 100, 001 - 250, 000 250, 001 plus 0.35% 0.35% 0.15% 0.15% 0.00% 0.00% 1.00% 1.00% 0.60% 0.60% 0.35% 0.35% 1.50% 1.51% 0.85% 0.85% 0.35% 0.35% 1.50% 1.51% 0.85% 0.85% 0.35% 0.35% 1.50% 1.51% 0.85% 0.85% 0.35% 0.35% 1.50% 1.51% 0.85% 0.85% 0.35% 0.35%

12 Months Fixed Deposit Account Minimum deposit GBP/USD/EUR 10 000

GBP USD EUR GROSS AER GROSS AER GROSS AER 0 - 10, 000 10, 001 - 25, 000 25, 001 - 50, 000 50, 001 - 100, 000 100, 001 - 250, 000 250, 001 plus 0.40% 0.40% 0.20% 0.20% 0.05% 0.05% 1.05% 1.06% 0.70% 0.70% 0.40% 0.40% 1.65% 1.66% 1.10% 1.11% 0.40% 0.40% 1.65% 1.66% 1.10% 1.11% 0.40% 0.40% 1.65% 1.66% 1.10% 1.11% 0.40% 0.40% 1.65% 1.66% 1.10% 1.11% 0.40% 0.40%

Important Information

• FirstRand Bank Ltd reserves the right to change pricing and package pricing or introduce new fees from time to time. We will give you at least 20 business days notice of these changes on the FNB Channel Islands website.

• Errors and omissions are excluded.

• You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.

• Each product has the normal terms and conditions that apply to that product. We agree these terms and conditions with the applicant. • The Bank reserves the right to change at any time the features of any

product.

• Rates are subject to change.

Standard Terminology

• CHAPS is a payment system which clients can use to make payments of GBP100 000 or more. These payments can be made between 08h00am and 15h30pm, UK time (This excludes bank holidays) and are only available Monday to Friday via the FNB Channel Islands Service Suite. Visit the Payments Council website for more information. • Faster Payments are available via FNB Channel Islands Online Banking

or the FNB Channel Islands Service Suite 24/7 for payments of up to GBP100 000. For details of the service, visit the Payments Council website.

• A Standing Order (also referred to as a Scheduled Payment) is an instruction you give to FNB Channel Islands to pay a fixed amount to a recipient on a regular basis.

• SWIFT payments are sent via the SWIFT international payment network, are applicable if you are paying someone in any currency other than Sterling, and usually take 3-5 days.

• International (outside South Africa) card delivery is not free. • GROSS is the contractual interest rate payable without the deduction

of any tax.

• AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.

• Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed. • Early withdrawal on the Fixed Deposit Account & 32 Day Notice

Account will attract penalty fees as determined by us from time to time. These penalty fees may reduce your capital amount.

FirstRand Bank Limited Guernsey Branch, trading as FNB Channel Islands, is regulated by The Guernsey Financial Services Commission and licensed under The Banking Supervision (Bailiwick of Guernsey) Law, 1994.