Personal Banking

Deposits & Investments Rates & Charges

TT$ Chequing and Savings Accounts

RightStart

Interest Rate	Service Fees Guide
Current rate: 0.20% paid on the last day of the month on minimum monthly balances of $20.00 and over.	No Monthly Maintenance Fees Cost of ABM withdrawals at Republic Bank ABMs: Approved- $0.75 Declined - $0.75 ABM Transactions at other banks: Approved Cash Withdrawal - $4.00 Declined Cash Withdrawal - $1.15 Approved Balance Enquiry - $0.75 Declined Balance Enquiry - $0.75 Teller fee of $3.00 apply. Customer allowed one (1) FREE cash withdrawal at the teller per month thereafter, the teller fee will be charged.

RS Teen

Interest Rate	Service Fees Guide
Current rate: 0.25% paid on the last day of the month on minimum monthly balances of $0.00 and over.	No Monthly Maintenance Fees Cost of ABM withdrawals at Republic Bank ABMs: Approved- $0.75 Declined - $0.75 ABM Transactions at other banks: Approved Cash Withdrawal - $4.00 Declined Cash Withdrawal - $1.15 Approved Balance Enquiry - $0.75 Declined Balance Enquiry - $0.75 Teller fee of $3.00 apply. Customer allowed one (1) FREE cash withdrawal at the teller per month thereafter, the teller fee will be charged.

Career Builder

Interest Rate	Service Fees Guide
For young working adult: 0.20% For students: tiered interest rates of - 0 - $99,999.99 - 0.20% $100,000 - $249,999.99 - 0.25% $250,000 and over - 0.40%	A flat monthly fee of $12.01 entitles you to unlimited deposits (ABM and teller fees may apply) Teller fee of $3.00 apply. Customer allowed one (1) FREE cash withdrawal at the teller per month thereafter, the teller fee will be charged.

Savings Plus

Interest Rates	Service Fees
Current Rate: 0.10% paid on the last working day of month on balances of $500.00 or more.	Two FREE debits per quarter. If you exceed this limit, you have to pay a fee of $4 per extra debit (ABM, POS and Teller Fees may apply). This fee is applied on the 24th of March, June, September and December. Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved Balance Enquiry - $0.75 Declined Balance Enquiry - $0.75

e-Free

Interest Rate	Service Fees Guide
Current Rate: 0.25% paid on the last working day of month on balances of $500.00 or more.	There is no monthly service charge for your e-Free account. e-Free activity Fee – Three (3) free in-branch debits per month. If this is exceeded, a flat monthly fee of $18 will apply. There are no charges for use of our Republic Bank Blue Machines (ABMs). Cost of ABM transactions at other banks: Approved Cash Withdrawal - $4.00 Declined Cash Withdrawal - $1.15 Approved Balance Enquiry - $0.75 Declined Balance Enquiry - $0.75

TimeSaver

Interest Rate	Service Fees Guide
Current Rate: 0.10% paid quarterly on the 24th of March, June, September and December on balances of a $100.00 and over	A flat monthly service fee $15.00 is charged on the 24th of every month. If your account is overdrawn, you will be charged $30 and will continue to be charged every thirty (30) days until your account balance returns to a credit position. Cost of ABM withdrawals at Republic Bank ABMs: Approved- $0.75 Declined - $0.75 Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved balance enquiry - $0.75 Declined balance enquiry - $0.75 Teller fee of $3.00 apply. Customer allowed one (1) FREE cash withdrawal at the teller per month thereafter, the teller fee will be charged.

Personal Interest Chequing Account

Interest Rates	Service Fees
Current rate: 0.20% paid on minimum monthly balances of $500.00 and over.	You only pay a flat fee of $20.01 for twelve (12) debits. If you make additional withdrawals, you must pay $1.30 per debit. Fees are applied on the 27th of the month. Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved balance enquiry - $0.75 Declined balance enquiry - $0.75 Cheque Book Fees: Regular cheque books 2 x 25 - $29.00 4 x 25 - $42.00 Duplicate cheque books 2 x 25 - $42.00 4 x 25 - $59.00

Optimizer

Interest Rates	Service Fees
Below $15,000 - Nil $15,000 to $99,999.99 - 0.10% $100,000 to $249,999.99 - 0.15% $250,000 and over - 0.30%	You can conduct unlimited transactions for a flat monthly service fee of $10.01. If your balance falls below $15,000 at any time within the month, you will be charged a fee of $20.01 for twelve (12) debits only. If you exceed this limit, you will be charged a fee of $1.30 per debit. These fees will be applied on the last working day of the month. Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved balance enquiry - $0.75 Declined balance enquiry - $0.75 Cheque Book Fees: Regular cheque books 2 x 25 - $29.00 4 x 25 - $42.00 Duplicate cheque books 2 x 25 - $42.00 4 x 25 - $59.00

Major League

Interest Rates	Service Fees
Below $1,000 - Nil $1,000 to $99,999.99 - 0.10% $100,000 to $249,999 - 0.15% $250,000 & above - 0.30%	If you maintain a minimum balance of $15,000, you pay no monthly service fee. However, if your minimum balance falls below $15,000, you will be charged a flat monthly fee of $11.01. This fee is applied on the 27th of the month. Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved balance enquiry - $0.75 Declined balance enquiry - $0.75 Cheque Book Fees: Regular cheque books 2 x 25 - $29.00 4 x 25 - $42.00 Duplicate cheque books 2 x 25 - $42.00 4 x 25 - $59.00

The Newly-Wed Package

Interest Rates	Service Fees
Current Rate: 0.10% paid on the last working day of month on balances of $500.00 or more.	Two FREE debits per quarter. If you exceed this limit, you have to pay a fee of $4 per extra debit (ABM, POS and Teller Fees may apply). This fee is applied on the 24th of March, June, September and December. Cost of ABM transactions at other banks: Approved cash withdrawal - $4.00 Declined cash withdrawal - $1.15 Approved Balance Enquiry - $0.75 Declined Balance Enquiry - $0.75

TT$ Republic Certificate of Deposit

TERM	Below $49,999.99	$50,000-$99,999.99	$100,000-$249,999.99	$250,000-$500,000	$500,000.01 & Over
90 days	0.10%	0.10%	0.10%	0.20%	0.20%
180 days	0.10%	0.10%	0.15%	0.35%	0.35%
1 year	0.35%	0.35%	0.45%	0.95%	1.05%
2 years	0.65%	0.65%	0.85%	1.15%	1.25%
3 years	0.85%	0.85%	1.05%	1.30%	1.40%

US$ Republic Certificate of Deposit

US$ Money Market Account: 0.05%

Sterling £ Republic Certificate of Deposit

Sterling £ Money Market Account: No interest is earned on this account,

CAD Republic Certificate of Deposit

CAD Money Market Accounts, CAD3,000 and over - 0.10%

TERM	RATE - £1000.00 and over
3 months	0.10%
6 months	0.15%
12 months	0.15%

US$ Accounts

Type of account	RATE - Interest Rates	RATE - Service Fees
Regular Savings	$500 to $9,999 - 0.05% $10,000 to $49,999 - 0.05% $50,000 to $99,999 - 0.05% $100,000 & Over - 0.05%	Two (2) FREE withdrawals monthly For each additional withdrawal, a fee of US$2.50 applies
Money Market Account	Interest is calculated on cleared balances of US$3,000 and over, and credited to account monthly, on the 27th day of each month - 0.05%	Flat monthly fee of US$23.00 For each debit transaction, a fee of US$1.15 applies

Euro € Money Market Account

Minimum Opening Balance Euro 3,000

Type of account	RATE - Interest Rates	RATE - Service Fees
Money Market Account	No interest is earned on this account	Flat monthly fee of €11.50 for accounts opened under a company name Companies will be allowed three (3) withdrawals per month Each additional withdrawal will cost Є5.50 No monthly fee will be applied for accounts opened by Individuals Individual accounts will be allowed free withdrawals (i.e. there is no limit for withdrawing)

Euro € Certificate of Deposit

No interest is earned on this account.

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