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TARIFF GUIDE

A – FEES FOR PRODUCT OFFERED TO INDIVIDUALS
I - ACCOUNT GENERAL CONDITIONS
1.1 Account Opening Conditions
1.1.1 Account Opening (with provision of the account agreement)
1.1.1.1 Current Accounts  FREE OF CHARGE
1.1.1.2 Simple Savings Account FREE OF CHARGE
1.1.1.3 Term Deposit FREE OF CHARGE
1.1.1.4 Home Savings Account Non applicable
1.1.1.5 Home Savings Scheme Non applicable
1.1.1.6 Passbook account (issuance of the savings book) Non applicable
1.1.1.7 Joint Account
1.1.1.7.1  Current Account FREE OF CHARGE
1.1.1.7.2   Savings Account FREE OF CHARGE
1.1.1.8 Undivis Account Non applicable
1.1.1.8.1 Current Account Non applicable
1.1.1.8.2  Savings Account Non applicable
1.1.1.9 Other Types of Accounts Initial Deposit for Savings Plus Account : Not required
1.1.1.10 Initial deposits for account openings Non applicable
1.1.1.11 Accidental death insurance associated with the Current account Non applicable
1.2 Account Closing conditions -
1.2.1 Current accounts FREE OF CHARGE
1.2.2  Simple Savings Account FREE OF CHARGE
1.2.3 Term Deposit FREE OF CHARGE
1.2.4 Home savings account Non applicable
1.2.5 Home savings scheme Non applicable
1.2.6 Passbook account Non applicable
1.2.7 Joint Account -
1.2.7.1 Current account FREE OF CHARGE
1.2.7.2  Savings Account FREE OF CHARGE
1.2.8 Undivis Account Non applicable
1.2.8.1 Current Account Non applicable
1.2.8.2  Savings Account Non applicable
1.2.9 Legal closing Letter FREE OF CHARGE
1.2.10 Account closing certificate FREE OF CHARGE
1.2.11 Other types of account closing FREE OF CHARGE
II – SERVICES RELATED TO THE ACCOUNT MANAGEMENT
2.1 Account Management BEFORE TAX
2.1.1 Debit conditions and fees
2.1.1.1 Best debit Rate applied to customers Non applicable
2.1.1.2 Account maintenance fees savings on savings book Non applicable
2.1.1.3 Higher overdraft Commission Non applicable
2.1.1.4 Commission on Turnover 0.015% of the total value of debits in the month.
Min 5 000 CFA F / month,
Max 200 000 CFA F / month.
2.1.1.5 Commission on overrun authorized account 14.99% TTC (rate includes the 10% Tax)
2.1.1.6 Commission on overrun non authorized account 14.99% TTC (rate includes the 10% Tax)
2.1.1.7 Account maintenance fees (monthly fee) Account maintenance fees out of Package: 5 000 FCFA
Package Account maintenance fee:
Package  Standard Special 5 000 FCFA
Package Standard Plus 10 000 FCFA
Package Standard Classic: 15 000 FCFA Package Standard : 20 000 FCFA
2.1.1.8 Fees schedule Non applicable
2.1.1.9 Bank Account details (RIB) FREE OF CHARGE
2.1.1.10 Other types of debit conditions Non applicable
2.1.1.11 Insurance for funeral depending on the formula chosen, the age of the insured, the amount of capital and the mode of payment Non applicable
2.1.1.12 Car insurance Non applicable
2.1.2 Account Statements
2.1.2.1 Monthly Electronic : FREE OF CHARGE
Manual : FREE OF CHARGE
2.1.2.2 Upon client's request (Current month) Manual Account Statement upon client's request : 2 000 FCFA / Page
Above 1 year, refer to the document search fees
2.1.2.3 Other Period (tariff Daily statement : 30 000 FCFA / Month
Weekly statement : 10 000 FCFA / Month
2.1.3 Summary of Annual Fees Non applicable
2.1.4 Other Type of accounts statement Non applicable
2.1.5 Bank certificates
2.1.5.1 Certification of balance 10 000 FCFA / Account
2.1.5.2 certificate of indebtedness 10 000 FCFA
2.1.5.3 Other Types of banking certificates 10 000 FCFA
2.1.6 Stamp costs for cash deposit into accounts 100 FCFA
2.1.7 Fees for proxy FREE OF CHARGE
2.1.8 credit Conditions
2.1.8.1 Savings scheme and other contractual savings products Non applicable
2.1.8.2 Other deposits and saving products Non applicable
2.1.8.3 Interest income for savings scheme and other contractual savings products Non applicable
2.1.8.4 Interest income on the simple Savings Accounts Non applicable
2.1.8.5 Interest earned on cash voucher and Fixed deposits From Min 2 millions to 10 millions FCFA :
- Min 3 months 4,00
- 6 months 4,25%
- 12 months 4,25%
- 3 years  4,50%
- 5 years  4,50%
Above 10 millions : Meet with a bank officer
2.1.8.6 Other credit conditions Savings Plus Account: progressive rate starting at 4% p.a.
• Initial Deposit: Not required
• Minimum balance: 10 000 CFA F
• Number of transactions allowed: 2
• Fees for additional transactions: 2,500 CFA F / transaction
• Frequency of interest payment: monthly
• Progressive interest rate
- From 0 to 999 999 CFA F : 4%
- From 1 000 000 to 7 499 999 CFA F: 4.75%
- Above 7 500 000 CFA F: 5%
• No account maintenance fee
2.2 Payment Means
2.2.1 Cheques
2.2.1.1 Issuance of checkbook
2.2.1.1.1 Non-endorsable crossed checks FREE OF CHARGE
2.2.1.1.2 Non crossed Checks / Tax 20 FCFA/cheque
2.2.1.1.3 Checks Letter Non applicable
2.2.1.1.4 Bank checks on the spot 10 000 FCFA
2.2.1.1.5 WAEMU bank checks 10 000 FCFA
2.2.1.1.6 Bank checks on foreign currency account (minimum and maximum) • EURO: Transfer Commission: 1.8% Min 50 000 CFA F
• Other currencies: exchange commission: 1% min 25 000 CFA F
2.2.1.2 Counter check FREE OF CHARGE
2.2.1.3 Check Certification Non applicable
2.2.1.4 Bank check cancellation Fees 10 000 FCFA
2.2.1.5 Stop cheque or checkbook by the issuer 5 000 FCFA
2.2.1.6 Renewal of stop check or checkbook by the issuer Non applicable
2.2.1.7 Checkbook destruction fees FREE OF CHARGE
2.2.1.8 Fees for cheque bounced due to lack or insufficient funds 30 000 FCFA
2.2.1.9 Package Check unpaid < to Amount X CFA F (amount to be specified) 10 000 FCFA
2.2.1.10 Shipment of checkbook home  (standard shipment) Non applicable
2.2.1.11 Shipment of checkbook home  (recommended shipment) Non applicable
2.2.1.12 Other types of checks Non applicable
2.2.1.13 Insurance for Loss and robbery of means of payments Non applicable
2.2.1.14 Cheques Collection
2.2.1.14.1 Cheques Collection within WAEMU FREE OF CHARGE
2.2.1.14.2 Cheques Collection outside WAEMU FREE OF CHARGE
2.2.2 Banking cards
2.2.2.1 Renewal/annual fees VISA Gold Card: 50 000 FCFA
VISA infinite Card : 250 000 FCFA
2.2.2.1.1 Privative Card Non applicable
2.2.2.1.2 Interbank Card (national or WAEMU) Non applicable
2.2.2.1.2.1 Cash withdrawals from Automated Teller Machines (ATMS) of the client's bank FREE OF CHARGE
2.2.2.1.2.2 Customers’ Balance inquiry from to the ATMs of the bank FREE OF CHARGE
2.2.2.1.2.3 Cost of withdrawals from Automated Teller Machines (ATMS) of the other banks in  the WAEMU area FREE OF CHARGE
2.2.2.1.2.4 Mini statement FREE OF CHARGE
2.2.2.1.2.5 Monthly management fee FREE OF CHARGE
2.2.2.1.2.6 Annual fees VISA Gold Card: 50 000 FCFA
VISA infinite Card : 250 000 FCFA
2.2.2.1.3 Fast funds transfer services developed by other banking institutions within their group Non applicable
2.2.2.1.4 International Interbank Card (with VISA, MASTERCARD, etc.) Standard Chartered Bank access fees to the ATM
with an international card (for non-customers): 2 000 CFA F
2.2.2.1.5 Prepaid Card Non applicable
2.2.2.1.5.1 Card funding Non applicable
2.2.2.1.5.2 Withdrawal at Automatic Teller Machines (ATM) Non applicable
2.2.2.1.5.3 Withdrawal at Automatic Teller Machines (ATM) (country X) outside Automatic Teller Machines (ATM) (Bank X) Non applicable
2.2.2.1.5.4 Withdrawal at Automatic Teller Machines (ATM) outside country X Non applicable
2.2.2.1.5.5 transfer from card to card Non applicable
2.2.2.1.5.6 Electronic Payment Terminal purchase  (TPE) country X Non applicable
2.2.2.1.5.7 Electronic Payment Terminal  (TPE) and Internet Purchase outside the country x Non applicable
2.2.2.1.5.8 Balance Inquiry on Automated Teller Machines  (ATMS) Non applicable
2.2.2.1.5.9 Permission denied on the Automated Teller Machines (ATMS) and electronic payments terminals (TPE) Non applicable
2.2.2.1.5.10 Insufficient provision on the Automated Teller Machines (ATMS) and electronic payments terminals (TPE) Non applicable
2.2.2.1.5.11 Replacement of the Card Non applicable
2.2.2.1.5.12 Estatement Non applicable
2.2.2.1.5.13 Customer assistance by an operator of Bank X Non applicable
2.2.2.2 Issuance of Additional Card (to Decline by type) VISA Gold Card: 50 000 FCFA
VISA infinite Card : 250 000 FCFA
2.2.2.3  Urgent Card Production Non applicable
2.2.2.4 Costs of additional  manufacture of card (except defects) VISA Gold Card: 50 000 FCFA
VISA infinite Card : 250 000 FCFA
2.2.2.5 Confidential code reset FREE OF CHARGE
2.2.2.6 Application for Authorization for exceeding the ceiling Non applicable
2.2.2.7 Stop cheque 10 000 FCFA
2.2.2.7.1 By the client: loss or robbery 10 000 FCFA
2.2.2.7.2 By the Bank: misuse (individual) Non applicable
2.2.2.8 Costs of non-restitution of card in stop card position/misuse Non applicable
2.2.2.9 Contract Amendment  (card, ceiling, …) Non applicable
2.2.2.10 Shipping at home: Minimum Non applicable
2.2.2.11 Opening of a fraud Case Non applicable
2.2.2.12 Costs of Management of cards (to detail by card type) Non applicable
2.2.2.13 Electronic payment services (Viewing/edition of balance; Viewing/edition of balance history)
2.2.2.13.1 Cash withdrawal in ATMS (DAB)
2.2.2.13.1.1 Automated Teller Machines (ATMS) Bank of the client FREE OF CHARGE
2.2.2.13.1.2 * Automated Teller Machines (ATMS) other local banks (GIM UEMOA) FREE OF CHARGE (GIM UEMOA Network)
2 500 FCFA(VISA Network)
2.2.2.13.1.3 * Automated Teller Machines (ATMS) in the WAEMU zone (GIM UEMOA) FREE OF CHARGE (GIM UEMOA Network)
2 500 FCFA(VISA Network)
2.2.2.13.1.4 * Automated Teller Machines (ATMS) out of WAEMU zone 2 500 FCFA (VISA Network)
However the cost of foreign exchange apply
2.2.2.13.2 Services accessible via Banks ATMS /  Automated Teller Machines
2.2.2.13.2.1 Viewing/edition of balance in the customer's bank FREE OF CHARGE
2.2.2.13.2.2 Viewing/edition of balance in the other local banks and WAEMU Non applicable
2.2.2.13.2.3 Viewing/edition of balance history FREE OF CHARGE
2.2.2.14 Payments
2.2.2.14.1 * In WAEMU Zone FREE OF CHARGE
2.2.2.14.2 * Outside WAEMU Zone FREE OF CHARGE
2.2.3 Transfers and bank levy
2.2.3.1 Transfers
2.2.3.1.1 Salary domiciliation FREE OF CHARGE
2.2.3.1.2 Internal transfer received or sent (Book to book transfer) FREE OF CHARGE
2.2.3.1.3 Local Transfer to a third party (star-UEMOA) 3 000 FCFA
2.2.3.1.4 Transfer between agencies in favor of a third party FREE OF CHARGE
2.2.3.1.5 Transfer within WAEMU (star-UEMOA) 3 000 FCFA in Côte d'Ivoire

6 000 FCFA out of Côte d'Ivoire

2.2.3.1.6 Collection of national, Community and international transfers FREE OF CHARGE
2.2.3.1.7 Set up of local standing orders FREE OF CHARGE
2.2.3.1.7.1 File creation FREE OF CHARGE
2.2.3.1.7.2 Execution of operations 1 000 FCFA
2.2.3.1.8 Amendment of the Standing Order FREE OF CHARGE
2.2.3.1.9 Provision of funds 30 000 FCFA
2.2.3.2 Bank Levy
2.3.3.2.1 Setting up of Bank Levy
2.3.3.2.1.1 File creation FREE OF CHARGE
2.3.3.2.1.2 Execution of operations 1 000 FCFA
2.2.3.2.2 Fees for Stop levy FREE OF CHARGE
2.2.3.2.3 Setting upbank levy by a corporate FREE OF CHARGE
2.2.3.2.4 Payment of a bank levy FREE OF CHARGE
2.2.3.2.5 Levy notification FREE OF CHARGE
2.2.3.2.6 Costs of unpaid levy (without provision) FREE OF CHARGE
2.2.3.2.7 Rejection of levy at customer's request FREE OF CHARGE
III - BANKING SERVICES
3.1 Value date applied
3.1.1 Transfers Received Same Day
3.1.2 Cheque collection Same Day / Same Day+1
3.1.3 Bill discounting Same Day
3.1.4 Transfers initiated, drafts domiciliation, Payment of Cheques , Same Day
3.1.5 Cash deposit and witdrawal Credit and debit the same day of the operation
3.1.6 Savings booklets Credit, on the first day of the fortnight, following the operation.

Debit, the last day of the fortnight of the operation.

3.2 Costs related to banking services
3.2.1 Cash Deposit  in the bank of the customer regardless of the Counter (excluding costs of tax stamp) FREE OF CHARGE
3.2.2 Cash withdrawal iin the bank of the customer regardless of the branch, with the exception of operations by bank cheque FREE OF CHARGE
3.2.3 Issuance of bank cheque in CFA F SCB client cheque  : 10 000 FCFA
3.2.4 Issuance of bank cheque in other currencies 1% Min 25 000 FCFA
3.2.5 Rejection of cheque Standard charterd Bank CI bounced cheque ( Provision ) : 30 000 FCFA
Other Bank bounced cheque  ( Provision ) : 10 000 FCFA
Bounced Cheque (other reason) : 30 000 FCFA
3.2.6 Request for Stop 10 000 FCFA
3.2.7 Incident on seizure 25 000 FCFA
3.2.8 Protest Non applicable
3.2.9 Account confirmation fee Non applicable
3.2.10 Signature Change FREE OF CHARGE
3.2.11 Amendment of account title FREE OF CHARGE
3.2.12 Change of client file mainly identification file content FREE OF CHARGE
3.2.13 Change of title custody Non applicable
3.2.14 Cost of pledge Non applicable
3.2.15 Costs of seizure 25 000 F CFA
3.2.16 Reclassification Costs Non applicable

The requirements of article 30 of Decision No. 39 7/12/2010 concerning rules, instruments and procedures for the implementation of the policy of the currency and of the credit of the BCEAO

IV - INTERNET AND ONLINE SERVICES
4.1 Electronic debit and credit advice FREE OF CHARGE
4.2 Online Banking FREE OF CHARGE (Access to l'internet Banking and SC mobile)
4.3 Internet management, mobile phone (by product type) Non applicable
4.4 Electronic transfer to another banking institution Access FREE OF CHARGE, Transaction charged
4.5 Phone banking (access to the voice assistance) Non applicable
4.6 SMS Services FREE OF CHARGE
4.7 Account reporting on the internet and mobile Internet (only the costs are charged to the customer) FREE OF CHARGE
4.8 Downloading web files (request for online account statements) FREE OF CHARGE
4.9 Transfer from a Card Non applicable
V - MANAGEMENT OF PAYMENT INCIDENTS
5.1 Fees for reporting stop transactions to the Central bank FREE OF CHARGE
5.2 Fees for release on stop transactions to the Central bank 25 000 FCFA
5.3 Reminder letter on debit account (standard mailing) FREE OF CHARGE
5.4 Reminder letter on debit account (recommended mailing) FREE OF CHARGE
5.5 Letter of Declaration to the CIP FREE OF CHARGE
5.6 Letter of information prior to the rejection of bounced  check FREE OF CHARGE
5.7 Certificate of non-payment FREE OF CHARGE
5.8 Other costs for incidents of payment FREE OF CHARGE
VI - FOREIGN EXCHANGE OPERATIONS
6.1 Purchase and sale of bank notes (Commission for handling purchase and sale) Sale of foreign currencies
• EUR  : Commission 2% Min 20 000 FCFA
- Other currencies  : Commission 4% Min 20 000 FCFAPurchase of foreign currencies
• EURO/USD/Autres devises : Franco
6.2 Purchase and sale of travelers cheques in Euro (Commission to be planned) Non Applicable
6.3 Purchase and sale of travelers cheques in other rated currencies (Commissions to be planned) Non Applicable
6.4 Other short-term credits (Base rate + margin) Non Applicable
VII –LENDING
7.1 Consumer loan (interest rate to be determined according to the MTD[1]+Margin)  
7.1.1 Overdraft  into agreed acount and formalized (MTD + Margin) Non Applicable
7.1.2 Overdraft on agreed and non-formalized account (MTD + Margin) Non Applicable
7.1.3 Overdraft facilities Non Applicable
7.1.4 Other short-term loans Non Applicable
7.2 Mortgages Non Applicable
7.2.1 Medium Term (MDT + ,Margin) Non Applicable
7.2.2 Long term (MTD + Margin) Non Applicable
7.3 Leasing loans Non Applicable
7.3.1 Furniture Non Applicable
7.3.2 Real estate Non Applicable
7.4 Other Related Operation to loan operations
7.4.1 Fees for release on mortgage Non Applicable
7.4.2 Insurance on individual loans Non Applicable
7.4.3 Partial or total mortgage release (excluding Notary and Registration Fees) Non Applicable
7.4.4 Fees for release of promise of mortgage Non Applicable
7.4.5 Request for edition of repayment schedule Non Applicable
7.4.6 Fees of refund unpaid Non Applicable
7.4.7 Fees of loans statement Non Applicable
7.4.8 Anticipation fees Non Applicable
7.4.9 Loan file fees Non Applicable
7.4.10 Other credit operations Non Applicable
7.4.11 Other insurance on individual loans Non Applicable
7.4.12 Change on contract loan Non Applicable
7.4.13 simple amendment (due date, account no. or periodicity) Non Applicable
7.4.14 Rates amendment with republication of the repayment schedule Non Applicable
7.4.15 Other changes requiring a drafting of an Act Non Applicable
7.4.16 Request for edition of repayment schedule Non Applicable
7.4.17 Fees of unpaid matured loan (according to periodicity) Non Applicable
7.4.18 Commitment fees Non Applicable
7.4.19 Discounting fees and commissions TBB ,variable according to the market conditions
7.4.20 Guarantees and counter guarantees 1 to 3% / Quarter

Best Customer Debit Rate

VIII - FOREIGN TRANSACTIONS
8.1 Check payable abroad or in the WAEMU area (Treaties outside regional compensation)
8.1.1 Collection fees 10 000 FCFA/ Cheque
8.1.1.1 Handling Fees Non applicable
8.1.1.2 Shipment cost 20 000 FCFA/ Destination
8.1.1.3 Cheques Payable in foreign currencies: Additional FX Commission. 10 000 FCFA/ Cheque
8.1.1.4 Fees of unpaid 10 000 FCFA/ Cheque
8.2 Cheques and free drafts received from abroad or from the WAEMU zone
8.2.1 Cheques received by the  regional clearing FREE OF CHARGE
8.2.2 Collection fees FREE OF CHARGE
8.2.3 Handling fees FREE OF CHARGE
8.2.4 SWIFT charges FREE OF CHARGE
8.2.5 Letter shipping fees FREE OF CHARGE
8.2.6 Fees on pending cheque FREE OF CHARGE
8.2.7 Fixed fees of unpaid FREE OF CHARGE
8.3 Bank cheque issuance going to a foreign country
8.3.1 File fees Non applicable
8.4 Transfers
8.4.1 Transfers WAEMU 0 - 50 Millions = 36 000 FCFA
50 - 100 Millions = 50 000 FCFA
+ 100 Millions = 100 000 FCFA
8.4.2 Transfers outside WAEMU
8.4.2.1 Transfer outside WAEMU (SWIFT transfer with change in other currencies) EURO: Transfer Commission : min 50 000 FCFA
- Autres currencies : Change Commission : 1% min 25 000 FCFA
8.4.2.2 Transfer outside WAEMU (SWIFT transfer without change in other currencies) EURO : Transfer Commission  : min 50 000 FCFA
- Autres currencies : Change Commission : 1% min 25 000 FCFA
8.4.3 Autres types de transferts Non applicable

(1) According to the market conditions : min 50 000 FCFA

IX - OTHER SERVICES
9.1 Costs of Documents Research (unit)
9.1.1 0 to 30 days 15 000 FCFA
9.1.2 30 to 60 days 15 000 FCFA
9.1.3 60 to 90 days 15 000 FCFA
9.1.4 More than a year 15 000 FCFA
9.1.5 Supplement per copy
9.2 Mailbox 30 000 FCFA / Month
9.3 Safe Rental Non applicable
9.4 Costs of  Key reproduction Non applicable
9.5 Request for information on client FREE OF CHARGE
9.6 Request for financial Information FREE OF CHARGE
9.7 Application for accounting information (auditors) 10 000 FCFA
9.8 Monthly subscription to the Internet site Non applicable
9.9 Succession
9.9.1 Fees for opening a succession file 20 000 FCFA
9.9.2 Costs of succession file (when payment is due  and according to the asset) 2% of the balance (maximum 500 000FCFA)
9.9.3 Annual account maintenance fees FREE OF CHARGE
9.10 Annual fees on inactive account (arrears) FREE OF CHARGE
9.11 Charges related to seizure
9.11.1 *Warning Letter FREE OF CHARGE
9.11.2 *Letter of injunction FREE OF CHARGE
9.12 Assets Certificate 10 000 FCFA
9.13 Reconstitution of account statement Non applicable
9.14 Other types of services
9.14.1 Purchase of MTN Airtime FREE OF CHARGE
9.14.2 Transfer of funds from the bank account to the MTN Wallet FREE OF CHARGE