CHARGES

CURRENT ACCOUNT TRANSACTION CHARGES

FOR PERSONAL CUSTOMERS

We charge the following fees for your Personal account transactions monthly:

Where the Account Balance Remains in Credit	FREE
Daily Unauthorised Borrowing Fee	£20 per day if debit movement exceeds £50 net of daily credits Max £60 per month

CHARGES FOR OTHER SERVICES

THESE CHARGES APPLY TO PERSONAL CUSTOMERS

Current account charges, which may occur during the day-to-day operation of your account, are as follows:

WITH EFFECT FROM 01 APR 2011
Banker's Draft	£15.00
Electronic Funds Transfer "Chaps" Payment - UK	£30.00
Stopped Cheque / Direct Debit	£10.00
Cheques, Direct Debits Returned Unpaid & Standing
Orders Not Executed By Us Because of Lack of Funds
(Refer to Drawer, Refer to Drawer Please Represent, Effects Not Cleared)	£10.00
Cheques, Direct Debits Returned by Us for Any other Reason
(Technical Reason, e.g. Words & Figures Differ, Signature  required, etc.)	£5.00
Paid In Cheque Returned Unpaid	£5.00
Bankers Reference / Status Enquiry	£25.00
Copy Statement of Accounts (Per Page), Copy of Cheque	£5.00
Cash Exchange	£1.50 per £100, minimum £1.50
Foreign Currency Conversion Fee	1.5% Min£3 Max£40
Unauthorised Overdraft	Base rate plus 23 %

TELEGRAPHIC CHARGES ABROAD

OUTGOING TRANSFER
Amount
£ 1 - £ 300	£11.00
£ 301 - £ 500	£15.00
£ 501 - £ 1000	£17.00
£ 1001 - £ 1500	£20.00
£ 1501 - £ 2000	£25.00
£ 2001 & Above	0.1 % (Minimum £30.00)
To Turkish Bank Branches	0.2 %(Minimum £30.00)
To All Other Banks	Maximum Fee £ 80.00
Online Payments (within UK up to £10,000)	£5
Online Payments (within UK above £10,000)	£15
Online Payments Abroad (up to £500)	Reduced Tariffs applied as above
Online Payments Abroad (over £500)	0.1% (Minimum £15.00)
	Maximum Fee £ 40.00
OTHER CURRENCIES
Please Note: Sterling equivalent of all above charges at the
prevailing exchange rates applies