Tariff of bank charges for personal customers

Effective from 1 April 2013

Bank charges and debit interest are payable quarterly where applicable. Sterling Personal Current Account Account maintenance charge (UK residents) Account maintenance charge (non-UK residents) Cheque book request fee Fee for cash withdrawn at Bank of Cyprus UK counter Debit Card charges in the UK Purchase transaction fee ATM withdrawal fee Cash withdrawn over the counter at other banks Currency conversion fee
(includes ATM, purchase and online transactions)

Current Account with a Business Account No charge 7 per quarter No charge 65p per 100 withdrawn

3.50 per quarter 7 per quarter 5 per cheque book requested 65p per 100 withdrawn

Debit Card charges outside the UK none none 1.5% (min 1.50) 2.75%* Purchase transaction fee ATM withdrawal fee Cash withdrawn over the counter at other banks Currency conversion fee
(includes ATM, purchase and online transactions) 1

1.5% (min 1.50) 1.5% (min 1.50) 2.75%*

Other services Online CHAPS in the UK CHAPS in the UK Online SWIFT payment abroad
(up to 2,000 or equivalent)

Fee 12 25 12 20 Special cheque clearance (1st class post) Special cheque clearance
(by any other means, excluding cab fares)

Fee 20 50 5 per cheque

Copy of cheque Paper statement per order#

Online SWIFT payment abroad (over 2,000 or equivalent) Online SEPA Credit Transfer (SCT)
(non urgent transactions in Euros between SEPA countries)

(including requests by an authorised third party)**

10 (from a sterling

account or currency equivalent, or 8 from a Euro account)

- for each of the first 10 sheets - for each additional sheet

4 20p

Unpaid cheque inwards Unpaid cheque outwards Unpaid Direct Debit Unpaid standing order Unpaid loan repayment Stopping a cheque Sterling Bankers Draft

4 35 30 30 30 12 20

Verification of signature(s)
(per visit)

25 + VAT^

Recalled standing order/Online BACS payment 30 Credit control letter/notice Confirmation of interest received
(in addition to the free annual tax certificate)

35 30 10 + VAT^ 15

Status enquires Digipass replacement fee

Please note that this is built into the exchange rate rather than shown as a separate charge on your statement. The charge is a percentage of the sterling equivalent of the amount spent or withdrawn. ** Where requests are made by third parties they will be subject to VAT.^ # Fee also applies to customers with paperless statement option who request an original paper statement. ^ Rate as published by HMRC. Digipass is a registered trademark of VASCO Data Security Inc., who retain ownership of the mark and reserve all their intellectual property rights.

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Foreign currency telephone orders Sterling value of 500 and over Sterling value up to 499.99 Free 4.80

Safe custody (service only available to customers who have already subscribed) Annual charge Sealed envelopes Standard boxes / parcels Large boxes Fee 25 + VAT 30 + VAT 60 + VAT Annual charge Stock / Share Certificates Inspection of safe custody items per visit Fee 25 + VAT 10 + VAT

All charges are payable at the time the service is provided.

Remittances abroad SWIFT transfers (Euro payments) Up to 2000 (or equivalent in Euros) 2001 - 50,000 (or equivalent) 50,000 and above (or equivalent) Fee 19 25 50

Note: An additional 10 is charged for omitting to use the correct IBAN where applicable. Fee

SWIFT transfers (other currencies) (Includes Euro payments to non-EEA countries) Up to 2000 (or equivalent) 2001 - 10,000 (or equivalent) Over 10,000 (or equivalent)

19 40 50

For payments up to 50,000 our domestic SWIFT charge of 25 applies. (This applies only in instances where a valid IBAN and SWIFT/BIC code is provided.) For euro payments up to the equivalent of 2,000 which provide an IBAN and a BIC code our standard tariffs apply. Foreign drafts Fee

A bankers draft is drawn on an overseas bank either in sterling or local currency. Up to 100 (or equivalent) Over 100 (or equivalent) Placing a stop on a draft Obtaining a copy of a paid draft Note: Drafts can not be sold to non-customers. 8 0.5% (min 12 - max 40) 15 8

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Collections Inward (Cheques) Cheques drawn on your account with us which are presented to us for payment on a collection basis (Not through the UK clearing system): Up to 10,000 10,001 - 25,000 Above 25,000 Unpaid cheque Outward (Cheques) 30 45 75 10 Fee Fee

Cheques deposited into your account which are drawn on overseas banks (Not through the UK clearing system): Up to 100 101 - 5,000 5,001 - 20,000 above 20,000 Unpaid cheque Unarranged overdrafts Interest is charged at 19% above the Bank of Cyprus UK sterling base rate (EAR 23.59%) on overdrawn sterling current accounts where no overdraft facility has been agreed with the Bank. EAR stands for Effective Annual Rate and represents the annual cost of an overdraft taking into account how often interest is charged to the account. It does not reflect other fees or charges. Agreed overdraft facilities Interest on amounts in excess of the limits agreed with the Bank is charged at 13% above the agreed facility rate. Overdraft renewal fees Up to 9,999 From 10,000 to 99,999 100,000 and over Loan arrangement fees Term of 5 years or less Term of more than 5 years Referral Fee 1% (min 200) 1.5% (min 200) 10 1.5% (min 75) 1.25% 1% 5 10 30 60 10

The Referral Fee will apply to accounts that either exceed an agreed overdraft facility or go overdrawn where no pre-agreed facility exists. The fee of 10 will be levied for each day that the debit movement (payments out) on these accounts exceeds the amount of 50 (net of daily credits). The fee will only accrue on days of further debit movement as outlined above. If the excess is settled on the same day, the fee will not be charged. This fee will be charged to the account quarterly.

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Additional interest 1% (100 basis points) above the rate agreed with you for your loan facility. Additional interest will apply in accordance with condition 10.5 of the General Conditions for Facilities, either because loan payments are in arrears or because the term of the loan has expired without the loan being repaid in full. Monthly Recoveries charge 30 to 150

Charged monthly while the debt is in default and being handled by our Recoveries department. The fee is 0.1% of the outstanding debt per month with a minimum of 30 and a maximum of 150 per account. Referral to Recoveries 75

Charged as a one off fee when a customer is referred to our Recoveries department for recovery of debt. Referral to solicitors 140

Charged if you are in default and our Recoveries department refers your case to external solicitors. The Monthly Recoveries Charge will continue to apply after such referral. Realisation of property charged as security 350 to 1000

This is when a property over which we hold a legal charge (mortgage) is taken into possession. The fee is 350 if the property is your home. Otherwise it is 0.5% of the gross sale proceeds up to the amount of the debt, with a maximum of 1,000. Appointment of receiver Up to 1000 per month A monthly fee is charged if we appoint a receiver under the Law of Property Act 1925 or our fixed charge. The fee will be 0.1% of the value of the property up to the amount of the debt outstanding, with a maximum of 1,000 per month.

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