* Effective January 1, 2009. Account Opening Fee: US$200 SPECIAL NOTE: All accounts must maintain a minimum balance of Euro 1,000. ( One thousand Euro's) WIRE TRANSFERS Payment to a Beneficiary: US$55.00 + 1% (Min. US$85 Max US$250) Incoming funds transfers - domestic: US$20.00 Incoming funds transfers - foreign: US$20.00 Issuance of our check to a domestic beneficiary: US$20.00 Bankers/Cashier's Check: US$20.00 Tracing: US$35.00 INTERNATIONAL COLLECTIONS SERVICE Check collection - under US $5,000 (plus out of pocket): US $ 50.00 + courier charges any amount Check collection - US $5,000 or more (plus out of pocket): US $ 100.00 + courier charges any amount Availability of funds for cheque items deposited: 30 business days for checks drawn within the United States, United Kingdom and Canada. Cheques drawn outside these jurisdictions will be sent on collection with customer's authority and value given when payment received (an average of four to six weeks) DEPOSIT ACCOUNTS Monthly maintenance of account: US $20.00 below US $1,500 balance Dormant account - no activity for 18 months: US $50.00 annually Inactive account - no activity for 12 months: US $50.00 annually Non-sufficient funds (per item): US $20.00 + correspondent bank charges Uncollected funds (per item): US $20.00 + correspondent bank charges Deposited checks returned unpaid (per item): US $20.00 + correspondent bank charges Stop payments: US $25.00 + correspondent bank charges Interest on overdraft balance (Unauthorized overdraft): 24% (minimum US $25.00) Internal transfer (per occurrence) US $15.00 Account research (per hour) US $20.00 Investigations (per tracer plus out of pocket): US $25.00 Copy of statement or items/snapshot statement: US $5.00 Account closed within three months of opening: US $ 150.00 Account closed within six months of opening: US $ 50.00 Deposited Funds withdrawn before 30 days: 1/8% on amount withdrawn Reference letter (each): US $25.00 Telephone/Facsimile charges: FPSL reserves the right to recover any costs incurred on behalf of the customer. Courier Charges: Courier's charge plus US $10.00 handling fees Courier Charges: Courier's charge plus US $10.00 handling fees INTERNET BANKING Account access: Free OTHER Bill payment - Standing Orders: US $10.00 monthly Check books issued: None Interest on uncollected balance: None Re-deposited items (per item): None Deposit correction (per occurrence): None Balance Inquiry: None * This Schedule of Fees and Services is not binding to FPSL and may be changed without prior notice at the sole discretion of FPSL.