Mutual Trust Bank Ltd Schedule of of Corporate Banking No 1 Particulars Collection Nature of / Commission /Commission Collection of Local Cheque/Bill/Draft i) Where there is a Clearing House - ii) Where there is no Clearing House, Conveyance at actual or minimum Tk.50/- per case 2 Cheque Returned unpaid i)where there is a Clearing House, Tk.50/- (flat) per instance 3 Bounced Cheque drawn on us (Cash, Clearing or transfer) 4 Collection of outstation/ outside Cheque/Bill/Draft (Clean/Documentary including IBPs) ii)where there is no Clearing House, Tk100/- (flat) per instance Tk. 50.00 (Flat) per instance from the account of the Drawer of cheque. 1)Upto Tk. 25,000 @ 0.20%, But minimum Tk. 40/- ii) Tk. 25,001/- to 100,000/- @ 0.20% but minimum Tk 75/- iii) Tk. 100,001/- to 500,000/- @ 0.15% But minimum Tk. 200/- iv) Above Tk. 500,000/- @ 0.10% But minimum Tk. 750/- and Maximum Tk. 3000/- 5 Postage (Registered/ Courier) At actual, but Minimim Tk. 25/- 6 Issuance of Cheque Books for 10 leaves/25 leaves/50 leaves CD/SND/SB Tk. 4.00/- per leaf including VAT for all types of accounts Issue of new cheque book in case of lost one Tk. 100/- Page 1 of 13
7 Issuance of Bangladesh Bank Cheque at the request of the client. 8 Account Closing Charge 9 Account Transfer Charge 10 Remittance (Inland) Issuance of DD* TK. 100/- Per Cheque i) SND/CD Tk. 300/- ii) Savings Tk. 200/- iii) No charge for Premature Encashment of Scheme Account SND/CD/SB/Scheme A/c Tk. 200/- Commission @.0.15% But minimum Tk 100/-, Maximum Tk 1500/- Cancellation of DD Tk. 50/- (flat) Issuance of Pay Order* /Security Deposit Receipt (SDR) Commission i) Upto Tk. 10,000/- Tk. 25/- Cancellation of PO Tk. 100/- (flat) ii) Tk. 10.001 to Tk. 100,000 Tk. 50/- iii) Above Tk. 100,000/-Tk. 100/- Issuance of Duplicate Commission Tk. 50/- (flat) PO/SDR Issuance of Duplicate Commission Tk.100/-(flat) Instruments (Except PO/SDR) 11 Standing Instruction Tk. 100/- for execution of each instruction. No charge for transfer of fund from any Deposit Account to Scheme Account. 12 Issuance of Guarantee Commission 0.50% - 0.75% per quarter or part thereof Minimum Tk. 1000/-. In case of 100% cash margin Tk.300/- 13 Account Maintenance Fee i) Current Account/SND account Maintenance Fee ii) Savings Account iii) All loan Accounts Maintenance Fee Maintenance Fee Tk. 500 /-half yearly on each account irrespective of balance. No fees up to Tk. 5000/ average balance. Tk. 100/- on half yearly basis up to Tk. 25,000/ average balance Tk. 300/- on half yearly basis above Tk. 25,000/ average balance Tk. 800/- half yearly on each Loan Page 2 of 13
14 15 Locker Service a) Annual Rent b) Refundable Security Deposit c) Replacement of Key (Lost/Damage) Purchase of Cheque & inland Bills Rent (Annual) i) Small Tk. 1,500/-+ Insurance Premium Tk.690/- Rent (Annual) ii) Medium Tk. 2,000/- + Insurance Premium Tk 920/- Rent (Annual) iii) Large Tk. 2,500/- + Insurance Premium Tk. 1,150/- Security i) Small Tk. 2,000/- Deposit Security ii) Medium Tk. 3,000/- Deposit Security iii) Large Tk. 5,000/- Deposit At actual plus Tk. 1,000/- Commission i) Upto Tk. 25,000 @ 0.15%, Minimum Tk. 25/- ii) Tk. 25,001 to 100,000 @ 0.15% Minimum Tk. 50/ iii) Tk. 100,001 to 500,000 @ 0.10%, Minimum Tk. 200/- iv) Above Tk. 500,000 @ 0.05% Minimum Tk. 500/- and Maximum Tk. 1500/- 16 Miscellaneous Services Issuance of Balance Confirmation Certificate i) Stop Payment instruction Tk. 100/- ii) (a) Issuance of certificate for the purpose of BO A/c Tk. 100/- (b) Issuance of any other certificate Tk. 200/- iii) Issuance of Balance Confirmation Certificate (half yearly free) * 17 Mail Charge At actual outside Bangladesh * As per Bangladesh Bank instruction Page 3 of 13
18 for Credit Operation * * A) Loan Processing Fee (Sanctions/Renewal/Enh ancement/extension ) Processing fee Upto Tk. 2,500,000 -Tk.1,000/- Tk. 2500001/-to 500000 -Tk 1,500/- to Tk. 2,000/- Tk. 500001/- to 10 Million - Tk 2,000/- to Tk 2,500/- Above 10 Million- Tk 2,500/- to Tk. 3000/- B) SME Loan i) Service Charge 1% on approved loan amount i) Risk fund Service ii) Charge for overdue installment in SME Loan C) Loan Documentation Fee Mortgage of landed property/ Creation of charge/other Banks FDR/shares etc. i) Upfront fees (Loan/ structure finance/syndicate ii) Commitment fee (for credit line) iii) Prepayment charges (term loan) iv) Price of loan application form(s) 1% on approved loan amount 2% of overdue installment At actual i) @ Tk. 0.25% -1.00% of loan amount ii) @ Tk 0.25% on undisbursed amount iii) @ Tk. Tk. 0.25% on outstanding amount iv) Tk. 200/- for loan under schemes (Except Hire Purchase/Lease Finance) v) To be fixed by the management. v) Others (not specified above) 19 Management Fee a) Approved excess over Fees 0.25% -1% limit b) Extension of time of Fees 0.25% -1% regular and overdue loans 20 Early Adjustment(Term Fees 1% - 2% (on present O/S) Loan, HBCRL,CHB) * * The authority to change (enhance/reduce/waive) the commission/charges will be on respective individual based on his credit approval delegation (CAD). For now, any change for any customer having limit upto TK 30 million will be under the discretion of DMD, Mr. Quamrul Islam Chowdhury and beyond that will be within the authority of MD & CEO. Page 4 of 13
for Forex 21 A. IMPORT L.C. Opening Commission * * * a. LC Cash (Sight) For each quarter 0.40 %. Min. Tk.1000/= In case of 100% cash margin For each quarter No charges b. Inland L.C. (Cash- As above As above Sight) c. BTB L.C. (Foreign + Local) For each quarter 0.40 %. Min. Tk.1000/= d. BTB LC (Under EDF) For each quarter 0.40 %. Min. Tk.1000/= e. LC (Cash-deferred For each quarter 0.50 %. Min. Tk.1000/= payment/usance) In case of 100% For each quarter 0.25 %. Min. Tk.1000/= cash margin f. Under AID / LOAN For each quarter 0.50 %. Min. Tk.1000/= /CREDIT / BARTER g. Under UPAS/Import Confirmation charges as under discounted applicable depending on bills through OBU or correspondent bank s Correspondent requirement. For MTB OBU confirmation 3% p.a. Discount charges not exceeding corresponding tenor s Libor rate or equivalent rate (as allowed by guideline for foreign exchange transaction) MTB mark up or spread on discount charges 2% p.a. * * * Commission to be realized on full amount of LC after adding the tolerance amount, if any. Incase of value amendment, corresponding LC opening commission will be applicable for the increased value- including tolerance amount, if any. In case of LC expiry extension, when the LC was opened under UPAS / import under discounted bills through OBU additional 0.30% p.q. will be charged as commitment fee, apart from LC extension commission (at the same rate as corresponding opening commission). Page 5 of 13
22 Transmission of LC by SWIFT Overseas 2.1 a. Transmission of L.C. Tk. 2,500/= b. Short - Message Tk. 500/= Local 2.2 Transmission of L.C. Tk. 1,000/= Short - Message Tk. 500/= 23 24 F.C.C. (foreign correspondent charges) L.C. Amendment a) Where charges are on Applicant s A/C. b) Where charges are on Beneficiary s A/C Tk. 500/= At Actual (Incase of nonpayment of charges by beneficiary, actual charge to be realized from the importer as per UCP) a. Includes increase of value or Extension of Time When increase of value including extension of time by SWIFT UPAS/Import under discount of OBU Tk. 1,000/= If shipment date /LC expiry is extended by amendment from initial expiry, then 0.30% p.q. Commitment fee will be applicable for such extended shipment/validity b. Other than increase of value/ Extension of time only c. Amendment is intended to reduce the value & time By SWIFT Tk. 500/= By SWIFT Tk. 500/=, commission realized earlier not to be retuned Page 6 of 13
25 L.C. Cancellation when Expired Unutilized. L.C. Cancellation before expiry /Fee /Fee No Charge. Our charge: No Charge. Foreign Bank s charge, if any, at actual. 26 Collection Of Credit Report (Schedule of of Dun & Bradstreet Same ltd. is enclosed) 27 Interest on PAD. Intt./ exchange earning 28 SWIFT Tk. 500/= At actual as per schedule + service charge Tk.500/= Not exceeding 13% for the 1st 30 days LIM a Handling LIM documents. Com. Max 0.50 % on landed cost. b Interest in LIM facility. Interest As per lending rate fixed by bank from time to time. 29 Issuance of shipping guarantee Tk. 1,000/= in absence of original documents provided full value of documents is deposited by the client. 30 Inward documentary collection not under import L.C. (may be subject to URC-522 or not) Collection charge In case of D.P. - 0.40 %. Min.Tk.1000/=,In Case of D.A. - 0.50 % per quarter. Min. Tk.1000/=, Plus other charge, if applicable, at actual. 31 Add confirmation charges # Adding of confirmation (our side) For each quarter - management fee 0.20 %. Minimum Tk.1000/= Plus SWIFT Charge Tk. 1000/= # If cash collateral is provided by the bank for obtaining confirmation from third foreign bank, the importer will have to pay interest on the cash collateral amount at prevailing EURO dollar or LIBOR rate. 32 Confirmation of Local LC For each quarter 0.20 %. Minimum Tk.1000/= Plus SWIFT Charge Tk. 500/= Page 7 of 13
33 IRC Renewal Fee Govt. fee at actual +service charge Tk.500/= B. EXPORT 34 a. Advising of Export L/C. Tk.750/= flat b. Advising of amendment L/C Tk.750/= flat 35 L.C. TRANSFER a. Overseas LC For Our Clients only: 1. In-House Transfer (i.e. Transfer of LC fvg. another sister concern garments unit of same Group) of our Garments Clients: Tk.750/= 2. Transfer of LCs (MT720) at the request of our Buying House Clients who has license under Section 18A or 18B of FER Act, 1947 by Bangladesh Bank: Flat Tk.750/= + SWIFT Charge at Actual. Local LC Transfer As above + SWIFT Charge at actual, if any b. c. Cancellation of Transfer SWIFT/ postage Charge at actual, if any Transfer of amendment For Our Clients only: Overseas LC Amendment 1. In-House Transfer (i.e. Transfer of LC amendment fvg. another sister concern garments unit of same Group) of our Garments Clients: Tk.750/= 2. Transfer of LC amendment (MT707) at the request of our Buying House Clients who has license under Section 18A or 18B of FER Act, 1947 by Bangladesh Bank: Flat Tk.750/= + SWIFT Charge at actual. Local LC Amendment As above + SWIFT Charge at actual, if any d. Cancellation of Tr. Of amendment Com. SWIFT/ postage Charge at actual, if any Page 8 of 13
36 Negotiation of Export bill a. Negotiation of Export Bill drawn under LC issued by first class reputed foreign bank. /Com. b. In addition to a) Courier/ Charge 37 Discounting of Export bill drawn Com./ under local LC. 38 Processing of documents under collection Com. Postage Courier 0.15% on the bill amount.[od Sight rate to be applied for Sight Bill and Usance rate for Usance Bill] At actual Discount intt. for the applicable usance period of the bill for the outstanding period + Tk.400/= as Document processing fee + Postage at actual 0.15% on the bill amount, if there is no exchange gain Max Tk. 500/=, if there is exchange gain At actual. N.B. Instruction issued or to be issued from time to time by the Customs Commission rate /NBR regarding realization of Source Tax (Presently 0.50%) on realized value against export to be followed. 39 Acceptance comn. Against Usance bill under Cash (deferred)/ BTB L.C. 40 C BANK GUARANTEE For each quarter 0.40 % on the bill amount. Min. Tk. 1000/= FOREIGN BANK GUARANTEE a. Advising of guarantee to the beneficiary in original without any engagement on our part. b. Issuance of guarantee backed by 100 % counter guarantee of foreign bank. (If charges are on beneficiary s A/c.) c. Issuance of guarantee (under cash margin or Com. / charges collateral) not backed by any counter guarantee of foreign bank (If charges are on bene. A/C.) Com./charges Com. / charges Flat Tk.750/= 0.50 % per quarter or part there of.min. Tk.1500/= + cost of stamp, Tax, SWIFT etc. at actual, if any. 0.75 % per quarter or part there of. Min. Tk.2000/= + cost of stamp, Tax, SWIFT etc. at actual, if any. Page 9 of 13
41 d. Issuance of bid bond/ performance bond against foreign bank guarantee. (If charges are on beneficiary A/C.) D REMITTANCE (INWARD) Com. 0.50 % per quarter (Min. Tk.1500/= + cost of stamp, Tax, SWIFT etc. at actual, if any. a. Purchase of foreign bank draft, Com. Tk.0.20% per USD b. Payment of any foreign taka draft which are drawn on our bank c. Encashment of any foreign T.T. in Taka. at our counter Com. Com. 42 d. Encashment of F.C.Draft / M.T. Handling charge e. Issuance of FC Draft under remtt.arrangement drawn on Bangladesh Bank f. Issuance of FC Draft drawn on Bangladesh Bank E COLLECTION Com/ Com/ a. Collection of clean item (Inward) Postage & other charge Foreign Bank charges at actual plus service charge Tk.300/= Tk.500/= flat Postage at actual plus Tk.200/=handling charge b. For Outward documentary bills for collection (Under all type of L.C.) c. For Outward documentary bills for collection d. Collection of foreign currency draft from abroad Com. 0.15 %. Min.Tk.500/= + postage & SWIFT charge at actual, if any. Com. 0.15 %. Min.Tk.1000/=plus postage or SWIFT charge at actual, if any Com. Tk.300/= Processing fee at actual plus Postage /Courier/SWIFT/ Foreign Bank charges, if any. N.B.: Collection of Draft will be with recourse basis for our tested clients only. e Collection of proceeds of any F.C. draft from local Bank which are not primarily collected through clearing Tk. 300/= per instrument Page 10 of 13
43 F a. OUTWARD Issuance of F.C.draft on foreign correspondent b. Issuance of T.T. (F.C.) through foreign correspondent Com. / SWIFT charge Com. SWIFT charge i) Up to USD 1000= $5.00 ii)usd 1001 USD5000=$15.00 iii) USD5001 USD10,000=$25.00 iv) Above USD10,000 = $40.00 Min Tk. 350/= + SWIFT charges at actual, if any Tk.1,000/= per T.T. At actual c Cancellation of draft in F.C. Com. Tk.500/= per DD SWIFT charge At actual. G d Cancellation of T.T. in F.C. Charge Tk.500/= per TT SWIFT charge At actual. MISCELLANEOUS 44 a. Issuance of no objection Com. Tk.500/= for each case. certificate b. against issuance Tk.150/=for each item of L.C.A.Form / IMP /EXP Form c. Issuance of PRC. Tk. 500/= d. Handling Cash subsidy / duty drawback Processing fee For claim up to Tk.5.0 lac= Tk.2500/ Claim of Tk.5.0 lac above up to Tk.10.0 lac= Tk.3500/= Claim of Tk 10.0 lac above =Tk.5000/ Tk.500/ for each certificate e. Issuance of BTB LC Processing Fee certificate f. Issuance of C & F certificate Processing Fee Tk.500/ for each certificate g. Verification of BL and BG Processing Fee Tk.500/ for each item h. Case to Case LC Opening Processing Fee 200/- to 500/- Page 11 of 13
Schedule of Charge for Cash Management: Cheque Related Unit Issuance of Bangladesh Bank Per Cheque 200/- Cheque Stop Payment Instruction- BB Per Instruction 200/- Cheque Stop Payment Cancellation-BB Per Instruction 200/- Cheque Inward Clearing Cheque returned/ Per Cheque 500/- Unpaid due to insufficient fund Inward Clearing Cheque returned/ Per Cheque Unpaid due to other reasons Outward Clearing Cheque returned/ Per Cheque Unpaid due to insufficient fund Outward Clearing Cheque returned/ Unpaid due to other reasons Per Cheque PO/DD/TT Related Unit Issuance of Pay order Upto BDT 100,000.00 100/- Above BDT 100,000.00 200/- Issuance of DD @ 0.15% of DD amount; Minimum Tk 100/- Issuance of DD (FCY) @0.15% of DD amount; Minimum Tk 300/- Issuance of TT @0.15% of TT amount; Minimum Tk 100/- Cancellation of Pay order For any Value 300/- /DD/TT (Lcy) Cancellation of Pay order /DD/TT (Fcy) For any Value 500/- Page 12 of 13
Account Servicing Fees Unit Account Statement Upto two (each) More than two within 6 100/- months Balance Certificate General Certificate For status / nature of business ( Same day) For status / nature of business ( Next day) 100/- 50/- Duplicate Advice 500/- BO Certificate 100/- Sweep Sweep creation charges Sweep-In (charge for each execution) Sweep-Out (charge for each execution) Amendment of Sweep Standing Instruction Standing Instruction (SI) creation charge (any transaction) 100/- SI for Transfer of funds between accounts SI for Transfer of funds within MTB branchs Failure of SI due to Insufficient funds Amendment of SI Cancellation of SI 100/- Cash Management Nationwide Collection Service and Payment Transfer Service: will be fixed on piecemeal basis based on the mutual discussion with the client; Min. Charge will be 0.03% of the total Collection/Payment amount. Page 13 of 13