2016 RATES & SERVICE CHARGES GUIDE

For enquiries, comments or requests please call 0266019888 or visit www.fbnbankghana.com

NAME COMMITMENT FEE % FEE %

PROCESSING INSURANCE % TENURE MONTHS

Local purchase order (LPO)Invoice discount finance (IDF) Term loan Overdraft Mortgage loanAuto loan (scheme & salary)Personal loanSalary overdraft account (SODA)Bank guarantee

B. 1. BANKING SERVICES SERVICE FEES

Account OpeningService / Ledger fees: Personal Corporate FCA FEAAccounts ClosureBalance EnquiryReactivation of AccountsStatement Printing:Monthly statementAdhoc StatementConfirmation of Statement (Visa)Audit letters

Free

GH¢5GH¢20NilNilNilFreeFree

FreeGH¢3/pgGH¢15GH¢15

0

B. 2. CHEQUE / WB OPERATIONS SERVICE FEES

Savings Withdrawal BookletCounter (leaflet)Cheque Book 25-leavesCheque Book 50-leavesEncashment-FBN Bankers Draft Cheque Deposit (FBN Cheque)Cheque Deposit (Non FBN)Counter Cheque (After Cheque Book Issue)Returned Cheque: Lack of funds: ( 10% face value) Max Non-Technical reasonsSpecial Clearing: Min MaxStopped Cheque

GH¢5.88GH¢2GH¢3GH¢6FreeFreeFreeGH¢ 5

GH¢150GH¢10

11

GH¢20GH¢40GH¢20

B. 3. CASH OPERATION SERVICE FEES

Cash Deposit (Cash Box)Cash WithdrawalCash Collection:Within AccraWithin Defined ZoneOutstation Branches.

FreeFreeFreeFreeFreeFree

B. 4. TRANSFER / PAYMENT SERVICE FEES

Transfers within FBNCash Transfer to other Banks: (0.25%) Min MaxStanding Order: (Within FBN) (3rd Party Non-FBN)Bankers Draft: (0.5% face Value) Min Max

Free

GH¢5GH¢50

FreeGH¢2

GH¢5GH¢20

Zero$500, £300, €500

Zero$500, £300, € 500

C. 2. FOREIGN CASH OPERATIONS SERVICE FEES

Withdrawal from:Foreign Currency Account:(Fed with off-shore cheque & Transfer/ Remittance)Foreign Exchange Account:(Fed with off-shore cheque & Transfer/ Remittance)Foreign Exchange Account (Fed with cash)

FreeFree2.00%Free2.00%Free

C. 3. CHEQUE OPERATIONS SERVICE FEES ( $ £ € )

Returned Cheque Foreign: Min Max

Returned by foreign bank Stopped Cheque

Returned Cheque Foreign $20 $20

As per correspondent bank

$20

C. 4. INTERNATIONAL TRANSFERS SERVICE FEES ( $ £ € )

Outward Transfer Commission (FEA): (1.75% of face value) Min SwiftOutward Transfer Commission (FCA/GH¢): (0. 75%) Min SwiftAmendment of Transfer InstructionForeign Demand Draft: ( 1% of face value ) Min MaxInward TransferReturned of Funds

$30 £20 € 30$25 £13 € 15

$30 £20 € 30$25 £13 € 15

$25

$20$100

$ 25 £ 10 € 15

B. 5. E-BUSINESS SERVICE FEES

Easy Cash Card: Card Issuance fee Maintenance feeTransactions fee: FBN Bank's ATM Other bank's ATMCedi Master Card: Card Issuance fee Maintenance feeTransactions fee: FBN Bank's ATM Other bank's ATM (Ghana)International ATM withdrawal

POS:withdrawal: (local) (International)

WEB:withdrawal: (local) (International)SMS Alert

GH¢5Nil

0.25pGH¢1.30

GH¢20GH¢14

FreeGH¢3.50GH¢15

FreeFree

FreeFreeGH¢1

C. 5. DOCUMENTARY COLLECTION SERVICE FEES ( $ £ € ).

ImportHandling charges: Min Max Payment Commission: (0.75% of Face value) Doc. Transfer to other Bank

ExportHandling Charges: Courier Offshore Local Payment Commission

$25

GH¢50

GH¢50 $100

GH¢600.25% Face Value

C. 6. LETTER OF CREDIT SERVICE FEES ( $ £ € )

Export Advising commission Customers: Minimum Non-customers Handling Charges: Customers Minimum Confirmation Commission: Minimum Amendment commission: Minimum Postage / Courier: Offshore Local (Charge above GH¢50 by courier company will be transferred to customer)Cancellation Expired unutilizedTransfer of LCDiscrepancy if anyNegotiation

GH¢50GH¢100GH¢20

GH¢200.75% per qtr.

$50

$100 GH¢60

$100$100$100$100

0.25pqtr

C. 7. IMPORT SERVICE FEES ( $ £ € )

Cash BackedEstablishment comm. 100% cash Increase in Amount Note: qtr. ( Per Quarter )Payment Commission

Facility:Establishment comm.Other commission Amendment ChargeExtension of period- another quarter DiscrepancyConfirmation commission Maximum Cancellation fee

1%pqtr min $1001% qtr.(Inc. value)

0.3% of drawing amount

1.25%pqtr

$50+SwiftActual+SWIFT

$1001%pqtr

As per correspondent bank$200

1%1%1%

1%1%

1%1%2%

1.50%1.50%1.50%

1%NilNil

0.25%1.50%

Nil

1%NilNilNilNil

1% one off1%NilNil

90 DaysMax (60days)

36 Months12 Months

Up to 15 years60 Months36 Months

30 Days12 Months

INITIAL DEPOSIT

MINIMUM BALANCE

ACCESS LOANS

INTERESTRATE (P.A)

BALANCE FOR INTEREST

CHEQUE/WDBOOKLET

2050030

50200

DEPOSIT ACCOUNTSSavings AccountPrestige SavingsYoung Super Save Current Account: Individual Corporate

10100

50% of curr. Bal.

ZeroZero

YesYesYes

YesYes

Tiered2%+Tiered rate2%+Tiered rate

NilNil

1>1,000

>300

>1,000,000 >1,000,000

YesYesYes

YesYes

INITIAL DEPOSIT

MINIMUM BALANCE

ACCESS LOANS

INTERESTRATE (P.A)

BALANCE FOR

INTEREST

CHEQUE /WD

BOOKLET

C. 1. DEPOSIT ACCOUNTS

Current Account: Individual: FCA FEA Corporate: FCA FEA

Zero$100, £80, €100

Zero$100, £80, €100

YesYes

YesYes

NilNil

NilNil

NilNil

NilNil

YesYes

YesYes

A. LIABILITIES / DEPOSITS BUSINESS

B. BANKING OPERATIONS

C. FOREIGN TRANSACTIONS

D. LOANS / ASSET BUSINESS