A. DAY-TO-DAY TRANSACTIONS Service Charge Free / Low Price Potential

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1 Charges include General Consumption Tax (GCT) of 16.5% unless otherwise stated All Fees are quoted in Jamaican Dollars unless otherwise stated A. DAY-TO-DAY TRANSACTIONS Service Charge Free / Low Price Potential 1 In-Branch Local Cash Withdrawal (up to $30,000) $ ATM $ Fee is per transaction. 50% discount for Premier Club Members. 2 In-Branch Local Cash Withdrawal (over $30,000) $ ATM $ Fee is per transaction. 50% discount for Premier Club Members. 3 Transfer of Funds Between Own Accounts (same currency) 50% discount applicable to Premier Club Members. - In Branch $ US$2.00 CAN$ ONLINE $ For New Account Funding FREE 4 Transfer To Third Party VMBS Accounts (same currency) 50% discount for Premier Club Members. - In-Branch $ US$2.00 CAN$ ONLINE $ Local Cheque Withdrawal Fee is per cheque. 50% discount applicable to Premier Club Members. - Local Cheques $ US$3.00 CAN$ ONLINE -RTGS $ Special Delivery Instructions $1, US$12.00 CAN$ ONLINE -RTGS $1, (Local Cheque Withdrawal Fee applicable) 6 Local Cheque Withdrawal valued at $1 Million & Over $5, ONLINE -RTGS $5, Fee is per cheque. Local Cheque Withdrawal Fee applicable. 7 Encashment of VMBS Cheques (Local & Foreign Currency) 50% discount applicable to Premier Club Members. - Members $ US$2.00 CAN$ ONLINE -RTGS $ Non- Members $ US$2.50 CAN$ ONLINE -RTGS $ Special Clearance of External Cheques $ US$2.50 CAN$ ONLINE -RTGS $ Local Returned Cheque:- Inclusive of other bank s charges $2, US$20.00 CAN$ Applicable Per Cheque 10 Stop Payment Order:- Local (inclusive of other bank s charges) $ Applicable Per Cheque 11 Cheque Cancellation (Change cheque to payor) $ US$5.00 CAN$ Applicable Per Cheque 12 Local Currency Cash Deposits of $500,000 & Over 0.40% ONLINE-RTGS 0.40% Applicable on the excess amount 13 Coin Handling Fee 3% of the total amount of coins deposited in excess of $5, Balance Enquiry In-Branch (or via Telephone Request) FREE ONLINE & ATM 15 Local Transfer (RTGS) to Third Party Acct at Other Banks (In-Branch) - Outgoing $ ONLINE-TRANSFER $ Incoming $ Credit Instructions with Missing Information (local transfers) - Incoming $ US$3.00 CAN$ Avoidable - confirm information $ Return of Incoming Credits (local transfers) $ US$5.00 CAN$ Avoidable- confirm information $ Outgoing Repair Fee (local transfers) $ US$1.50 CAN$ Avoidable- confirm information $ B. FOREIGN CURRENCY TRANSACTIONS 1 In-Branch Foreign Currency Cash Withdrawal FREE 2 Foreign Currency Cheque Withdrawal: 50% discount applicable to Premier Club Members - FX Cheques $ US$5.00 CAN$ Special Delivery Instructions $1, US$12.00 CAN$ (does NOT include cost of FX Cheque) 3 Foreign Currency Draft (Sale of Foreign Currency) $ US$5.00 CAN$

B. FOREIGN CURRENCY TRANSACTIONS (cont d) Service Charge Free / Low Price Potential 4 Foreign Currency Cheque Handling Charge (Deposits J$ accounts) $100.00 US$1.00 CAN$2.00 1.

2 B. FOREIGN CURRENCY TRANSACTIONS (cont d) Service Charge Free / Low Price Potential 4 Foreign Currency Cheque Handling Charge (Deposits J$ accounts) $ US$1.00 CAN$ Foreign Returned Cheques: Inclusive of foreign bank s charges US$63.00 CAN$ Avoidable - Electronic US$63.00 payments 6 Foreign Currency Cash Lodgment in excess of : US$300 CAN$300 Cash Lodgment in excess of 300 units FX Cheque/WIRE subject to 2.25% handling charge 7 Foreign Currency Cash Lodgment in GBP ( ) FREE 8 Deposit of Foreign Cheques (US$/CAN$/GBP) FREE Deposits to FX Accounts 9 Foreign Currency Cash Presented in Exchange for Draft or Cash in excess of 300 units subject to 2.25% Wire Transfer (in excess of 300 units) handling charge 10 Foreign Currency Cash Presented in Exchange for JMD FREE 11 International Wire Transfer Fees: - Incoming US$25.00 CAN$ Outgoing (in-branch) US$41.00 CAN$ ONLINE- WIRE USD Confirmation of Wire Transfer - In- Branch $ ONLINE $ on- line via VM Express online FREE 13 World Link Services (Outgoing) US$12.00 CAN$ Return of Incoming Credits (International Bank Transfers) US$21.00 CAN$29.00 Avoidable- confirm information US$ Outgoing Repair Fee (International Bank Transfers) US$41.00 CAN$ Avoidable- confirm information US$41.00 C. UK TRANSACTION SERVICES 1 Direct to Account (DTA) - Outgoing Incoming Electronic Funds Transfer - Standing Orders & Pension Payments (UK) , , , Above 5, Return of Incoming Credits (International Bank Transfers- UK) Bill Payment (Remitted by Processing Department) ONLINE-BILL PAYMENT Withdrawals from the UK - For Collection in Branch ONLINE-TRANFER Transfer to Account 2.00 ONLINE 2.00 D. MISCELLANEOUS SERVICES 1 Letters to Third Parties (same day processing) - Letters to Embassies & High Commissions $1, US$12.00 CAN$ Confirmation of Balances to Institutions $1, US$10.00 CAN$ Reference Letter $1, US$12.00 CAN$ Integrity / Anti-Corruption Commission Letters $1, US$12.00 CAN$ Withholding Tax Certificate to Tax Administration Jamaica $ ONLINE $ Auditor s Confirmation - Per Confirmation / Per account $3, US$22.00 CAN$ Account Statement Fees ( & Time Accounts) - In Branch/Online FREE ONLINE - Post Mailed $ ONLINE $ Hypothecation of Funds $3, US$29.00 CAN$

3 D. MISCELLANEOUS SERVICES (Cont d) Service Charge Free / Low Price Potential 4 Letters of Undertaking $6, US$50.00 CAN$ Voucher Search - Current Year $1, US$8.00 CAN$ For past periods: Items in the previous year $2, US$16.00 CAN$ Items over the last 2 years $3, US$24.00 CAN$ Items 3 years and over $4, US$35.00 CAN$ Photocopy of Document (per page) $ US$2.00 CAN$ % Discount applicable to Premier Club Members 7 Minimum Balance Violation Fee (Local & Foreign Currency) FREE 8 Early Closure of Accounts (under 6 months): $1, US$9.00 CAN$ Local and Foreign Accts 9 Dormancy Fees (Local & Foreign Currency Accounts) FREE 10 Issuance of Passbook - New passbook Accounts $ US$6.00 CAN$ ONLINE / ABM $ Replacement due to lost, stolen or completed $ US$6.00 CAN$ ONLINE / ABM $ No Passbook Transaction Charge FREE 12 No Certificate Withdrawal Charge $ US$4.00 CAN$ $ % Discount applicable to Premier Club Members 13 Lost Certificate $ US$4.00 CAN$ Standing Order (Within VMBS) Free for I-save & Loans. 50% Discount applicable to Premier Club Members - Set-up Charge (In Branch) $ ONLINE $ Set-up Charge (On-Line) FREE - Amendment Fee Transaction Fee Failure Fee FREE 15 Heritage Transfer Fee $ US $4.50 E. ABM TRANSACTIONS 1 Lost/Stolen/Damaged ABM Card 50% Discount applicable to Premier Club Members and for card replacement (Current card must be presented) $ US$5.00 CAN$ Automated Banking Machine (ABM) Charges (VM Machines) - Withdrawal FREE - Deposit FREE - Transfer FREE - Balance Enquiry FREE - Declined Transactions FREE - Mini Statements FREE 3 ABM Multi Link Charges (Using Other Bank s Machine) - Withdrawal FREE - Balance Enquiry FREE - Declined Transaction FREE 4 ABM Point of Sale Charges (Multilink Network) - Purchase FREE - Declined Transaction FREE 5 ABM Transaction - Photo Request - Multi - Link $2, Plus other bank s charge -$1, $5, ABM Transaction - Photo Request -VMBS ATM Machine $2, F. ASSET PROTECTION SERVICES 1 Safe Deposit Box - Rental (annual) $5, US$42.00 CAN$ Key Replacement (minimum charge) Varies. Contact Branch Manager - Late Fees (per month) $ US$4.00 CAN$ G. PAYROLL SERVICES (BUSINESS) 1 Deposit to Employees Accounts FREE

4 H. VICTORIA MUTUAL EXPRESS ONLINE TRANSACTIONS Service Charge Free / Low Price Potential 1 Internet Banking Access FREE 2 Utility Bill Payment Services FREE 3 Transfer of Funds Between Own Accounts (same currency) FREE 4 Transfer To Third Party VMBS Accounts (same currency) FREE 5 International Wire Transfer Fees : Outgoing US$25.00 CAN$ Local Transfer (RTGS) to Third Party Acct at Other Banks (via VM Express Online Banking) - Outgoing $ I. WITHDRAWAL REQUESTS 1 Processed in Branch for collection $500 US$4.00 CAN$ IN-BRANCH $ RTGS Transfer $200 US$2.00 CAN$ ONLINE / IN-BRANCH $ Wire Transfer $200 US$2.00 CAN$ ONLINE/ IN-BRANCH US$ Transfers to other VMBS Accounts and Loans $200 US$2.00 CAN$ ONLINE / IN-BRANCH $ Bill Payment $150 US$1.50 CAN$ ONLINE $ Account Closure $150 US$1.50 CAN$ IN- BRANCH $ J. CASH SECURED LOAN PROCESSING 1 Cash Secured Loan Processing Fee 1.165% of Loan Amount 50% discount to Premier Club Members 2 Penalty Cash Secured Loans closed before maturity FREE K. MORTGAGE RELATED LETTERS 1 General Ownership Letters: - Utility Companies, Parish Council, Collector of Taxes $1, US$12.00 CAN$ For the Court Offices $3, US$28.00 CAN$ Mortgage Status Letters to Members and Third Parties $1, US$12.00 CAN$ Mortgage Letters to Embassies / High Commissions $1, US$12.00 CAN$ Mortgage Statement (Detailed): - First Statement (current year) FREE - Subsequent Requests or Prior Years $1, US$12.00 CAN$ Statement to Close $1, US$12.00 CAN$ Appropriation Statement (for audit purposes) $3, US$23.00 CAN$ General Correspondence $1, US$12.00 CAN$ No Objection Letters $1, US$12.00 CAN$ Credit Reference Letter $2, US$19.00 CAN$ L. PHOTOCOPY OF MORTGAGE DOCUMENTS 1 Photocopy of Mortgage Deed $3, US CAN$ Photocopy of Title $1, US$10.00 CAN$ Photocopy of Sale Agreement (after Loan Disbursement) $1, US$14.00 CAN$ Photocopy of Valuation $ per page

5 M. MORTGAGE LOAN PROCESSING Service Charge Free / Low Price Potential 1 Mortgage Application Processing Fees: - Residential 0.58% of Loan Amount - Home Equity 0.58% of Loan Amount - Commercial 2.0% of Loan Amount - Construction 1.46% of Loan Amount 2 Re-Loan of Sinking Fund 0.75% of the Loan Amount Minimum fee of $5, for re-loans below $200, Mortgage Registration Fee (In House): Local + GCT Foreign + GCT $0 - $5 Million $50, $5.01 Million - $10 Million $75, $10.01 Million - 15 Million $100, $15.01 Million - 20 Million $125, $20.01 Million - $30 Million $150, $30.01 Million and Over 0.5% of Loan Amount FX equivalent of J$0 to $5 Million US$ CAN$ FX equivalent of J$5.01 Million - 10 Million US$ CAN$ FX equivalent of J$10.01 Million to 15 Million US$ CAN$ FX equivalent of J$ Million US$ CAN$1, FX equivalent of J$ $30 Million US$1, CAN$1, FX equivalent - J$30.01 Million and over 0.5% of Loan Amount 4 Early Closure of Mortgage / Lump-sum Principal Payment 90 days interest in lieu of notice 5 Loan Rescheduling Fee: - Local (JA$) $12, Foreign US$ CAN$ Discharge of Mortgage Fee (In house): - Local $0 to $1 Million $15, $1.01 Million - 15 Million $25, $15.01 Million to 25 Million $35, Over $25 Million Contact Securities & Branch Manager - ($50,000 - Minimum Fee) - Foreign FX equivalent of J$0 to J$1 Million US$ CAN$ FX equivalent of $1.01 Million - 15 Million US$ CAN$ FX equivalent of $15.01 Million to 25 Million US$ CAN$ FX equivalent - Over $25 Million Contact Securities & Branch Manager (US$400 CAN $ Minimum Fee) 7 Inspection Fees for Construction Loan: - Local -Kingston/ St Andrew/ St Catherine $4500 USD$35.00 CAN$ Local - Outside Kingston/St Andrew / St Catherine $8, USD$65.00 CAN$ Loan of Title Fee: - Local $6, Foreign US$ CAN$ Currency Conversion (Mortgage): - Local $12, Foreign US$92.00 CAN$ Safe-keeping of Unclaimed Titles (per annum) $2, US$16.00 CAN$ Transfer Subject to Mortgage $15, US$ CAN$ Handling Charge for Refinancing of Mortgage by other $21, US$ CAN$ Financial Institutions 13 Cancellation of Peril Insurance Coverage - Admin Cost $ US$3.00 CAN$ Request for Sub-division of Title: - Local $6, Foreign US$46.00 CAN$ Processing Death Claims $2,500.00

6 N. MORTGAGE ARREARS ADMINISTRATION Service Charge Free / Low Price Potential 1 Arrears Administrative Fees (per month): - Local $1, Foreign US$10.00 CAN$ Arrears Letter (Electronic) - Local & Foreign: - 1st Reminder Letter FREE - Urgent Reminder Letter FREE - Auction Warning Letter FREE 3 Arrears Letters (Printed) - Local & Foreign: - Statutory Notice - Local (formerly Public Auction Fee) $18, Statutory Notice - Foreign (formerly Public Auction Fee) US$ CAN$ Inspection Fees for Arrears: - Local $8, Foreign US$70.00 CAN$ O. CONSUMER LOAN PROCESSING 1 Auto Loan Processing Fee + GCT 2.50% 2 Auto Loan Documentation Fee $4, Auto Loan Documentation Fee - Equity Loans 1.875% 4 Unsecured Loan Processing Fee + GCT 3.50% 5 Unsecured Loan Stamp Duty - On Promissory Note $ Handling Charge for Refinancing of Auto/Unsecured Loan by $10, other Financial Institutions P. GENERAL LOAN PROCESSING 1 Credit Bureau Report - Individuals $1, US$14.00 CAN$ Business $1, US$14.00 CAN$ Processing of Undertaking from (attorneys & financial institutions) $15, Q. LEGAL SERVICES 1 Notation of Marriage & Name Amendments $35, Preparation of guarantee (Mortgages) $10, Preparation of guarantee ( & Investments) $8, Preparation of Lease Agreement $20, Assignment of Legal Document $10, Effective: October 26, 2018 Date Published : September 10, 2018 *The rates and details herein may be subject to change with 45 days notice in advance.

SAVINGS SERVICE CHARGES

SAVINGS SERVICE CHARGES A LOCAL CURRENCY RELATED CHARGES 1. Local Cheque Withdrawal $350.00 US$3.00 CAN$4.00 2.00 Per cheque. 50% Discount to Premier Club Members/Senior Citizens. 2. Special Delivery Instructions $1,400.00 US$11.00