Schedule of Fees and ChargesEFFECTIVE AS OF JANUARY 20 2020

For accounts booked with Standard Chartered Bank, Jersey Branch

The Jersey Branch of Standard Chartered Bank is regulated by the Jersey Financial Services Commission. Copies of the latest audited accounts of Standard Chartered Bank are available from its principal place of business in Jersey: PO Box 80, 15 Castle Street, St Helier, Jersey JE4 8PT.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter in 1853 Reference Number ZC 18. The Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The Jersey Branch of Standard Chartered Bank is also an authorised financial services provider under license number 44946 issued by the Financial Sector Conduct Authority of the Republic of South Africa.

Jersey is not part of the United Kingdom and all business transacted with Standard Chartered Bank, Jersey Branch and other Standard Chartered Group Offices outside of the United Kingdom, are not subject to some or any of the investor protection and compensation schemes available under United Kingdom law.

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Table of Contents

Section I Important Information 02

Section II Trading and Investment 05

Section III General Banking Services 09

Section IV Other Fees 12

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Section I – Important Information

Notes pertaining to this schedule of fees and charges (“Schedule”):

1. This Schedule sets out the pricing information relating to the products and services that the Priority Banking division of Standard Chartered Bank, Jersey Branch (“the Bank”) may make available to you;

2. Assets under Management (“AUM”) includes all deposits and investments held by you. It does not include loans or insurance premiums;

3. “Advisory Fee” is defined as the cost of advice provided by the Bank to a client in a written recommendation. A charge will be taken on the transaction amount; where noted, this fee will be taken within the transaction fee;

4. “Cost of Funds” is defined as the cost to the Bank of covering its position in the interbank market for the original fixed term;

5. The Bank may earn a commission mark-up or receive a monetary benefit when executing certain transactions for your account.

6. In addition to the pricing information set out in this Schedule, the following additional fees, charges or out of pocket expenses may apply:

(a) third-party charges in addition to the pricing information set out in this Schedule;

(b) any out-of-pocket expenses paid by the Bank including but not limited to expenses incurred from stock delivery of debt securities, transaction and compensation levies, trading fees, stamp duty, postage, cable charges, correspondent bank charges, withholding taxes, stock deposit fees, nominee services and corporate actions and other handling charges;

(c) extra fees/charges for the additional amount of work that the Bank is required to undertake if the Bank agrees to (i) provide a service or product to you and (ii) such product or service requires exceptional handling;

(d) extra fees where we provide advice on more complex matters or certain products;

7. Local taxes, where applicable by product or service will be fully disclosed;

8. Transactions involving certain assets and investment types may be subject to pricing which is different from that stated in this Schedule. The Bank will

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inform you if the pricing for any transaction/investment exceeds the pricing information that is stated in this Schedule;

9. The Bank reserves the right to amend or vary any fees and charges at any time. The pricing information in this Schedule is subject to change and the Bank will notify you of such changes from time to time with at least 30 days’ prior notice (provided that such changes are within the control of the Bank). Please note that if there is any inconsistency between the information set out in (i) a contract note for a transaction and (ii) this Schedule, the information set out in the contract note will prevail;

10. This Schedule does not constitute an offer to sell or a solicitation to offer to buy or sell any securities or any other financial instrument, to effect any transaction or to provide any service. Please note that not all products and services are available to citizens or residents of all countries;

11. With respect to securitised products, any product issuer/provider, bookrunner or arranger that has “Standard Chartered” in its name is an affiliate of Standard Chartered Bank;

12. The Bank will act as principal when providing each type of product/investment/service described in Section II – Trading and Investments of this Schedule to you, except that the Bank will act as agent with respect to the (i) sale or purchase of equities for your account and (ii) the sale or purchase of investment funds;

13. The benefits receivable as described in this Schedule are subject to any pre-sale process and/or documentation providing otherwise;

14. The Bank shall debit fees, charges and expenses from the client’s account. All fees, charges and expenses may be charged or deducted in currency equivalent to the amount stated using a rate the Bank reasonably considers appropriate;

15. Fees and charges not listed below will be disclosed upon request; and

16. All products and services are subject to applicable terms and conditions. All terms and conditions are available by contacting us;

17. The Bank reserves the right to apply a monthly charge, in the event that a client fails to close their account within a reasonable notice period.

Section II – Trading and Investments

Unless stated otherwise, the fees or charges will be calculated as the higher of a percentage of the transaction value or the applicable minimum charge. For all other securities and investments, charges will be separately disclosed in the product term sheet.

Please contact your Relationship Manager for details on the exact charges which will be debited from your account.

Exchange Traded Funds % of Transaction Value Advisory fee as % of nominal value if applicable

All exchanges Up to 1.00 minimum USD250 0.50

Equities % of Transaction Value

All exchanges Up to 1.00 minimum USD250

Fixed Income % of Nominal Value Advisory fee as % of nominal value if applicable

Primary and Secondary Market

Up to 1.50 minimum USD250 0.50

Commodities % of Transaction Value*

Commodities Spot on Unallocated Precious Metals (e.g. XAU, XAG etc.)

Up to 1.00

Foreign Currency % of Transaction Value

Forward Foreign Exchange Contracts Up to 1.00

Spot Foreign Exchange Up to 3.00

Structured Deposit % of Transaction Value

Minimum Charge (USD)

Principal Protected Deposits Note that an Administrative Fee of up to USD350 plus Cost of Funds will apply for early redemption

0.50 - 2.00This includes an Advisory Fee of USD250

250

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* Transaction Value is based on spot price of the relevant unallocated precious metal.

Structured Products % of Transaction Value Minimum Charge (USD)

Structured Notes including: Equity Linked, Rate Linked, Currency Linked and Commodity Linked Notes(1)

Note than an Administrative Fee of up to 1% will apply for early redemption

Tenor <1 Year: 0.25 - 2.00 Tenor >1 Year: 0.25 - 1.00 p.a. (Capped at maximum of 5.00% per transaction)This includes an Advisory Fee of USD500

500

Structured Investments including: Premium Currency, Equity Linked and Commodity Linked Investment(2)

% of Transaction Value Minimum Charge (USD)

Non FX Linked Investment Tenor <1 Year: 0.25 - 2.00 Tenor >1 Year: 0.25 - 1.00 p.a. (Capped at maximum of 5.00% per transaction)This includes an Advisory Fee of USD500

500

FX Linked Investment Tenor <1 Year: 0.25 - 2.00 Tenor >1 Year: 0.25 - 1.00 p.a. Up to 50.00% of calculated couponThis includes an Advisory Fee of USD250

250

(1) Fees and charges incurred by the Bank as well as profit margins, if any, are inherently contained and subsumed into the calculation of the interest rate, interest amounts and/or other variables of the product. A break fee as quoted by the Relationship Manager is levied for early termination to cover the economic cost and processing cost of early termination prior to the agreed maturity date.

(2) Benefits received by the Bank on the client’s purchase/sale of this product will vary depending upon a number of factors including but not limited to the notional amount, product tenor, market conditions, liquidity, etc.

Investment Funds % of Transaction Value

Advisory fee as % of transaction value if applicable

Money Market, Fixed Income, and all other funds

Up to 2.50 0.50

Trailer Fees (These are fees that are paid directly to the Bank by the fund manager)

SCB may (to the extent permitted by applicable law and regulation) receive trailer fees from the Funds usually ranging up to 60% of the Funds’ annual management fees

Discretionary Portfolio Management (Signature)

% of Transaction Value Advisory fee as % of transaction value if applicable

Money Market, Fixed Income, and all other funds

Up to 2.50 0.50

Program fees For program fees please refer to the signature client agreement

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Securities Outward/Inward Transfer (to other financial institutions)

Minimum Charge (USD)

Fixed income, equities and funds 150 per security

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Section III – General Banking Services

Mortgage Loans

Arrangement Fee of mortgage loan 1% of loan amount

Overdue mortgage loan repayment Default rate charged at 3-month Variable Lending Rate plus 10% per annum

Early repayment of fixed mortgage loan (prior to maturity of interest period)

USD350 Administrative Fee plus Cost of Funds

Early repayment of amortising mortgage loan (repayment of loan in full)

1% of of outstanding loan amount if loan repaid within 3 years of the date of the facility agreement

Partial repayment of amortising mortgage loan

20% of outstanding loan amount per annum (non-cumulative) free of charge, greater than 20% of outstanding loan amount per annum charged at 1% within first 3 years of the date of the facility agreement

Early repayment of hybrid mortgage loan (repayment of loan in full)

1.5% of outstanding loan amount if repaid within first 5 years of the date of the facility agreement, reducing to 1% for subsequent 3 years

Partial repayment of hybrid mortgage loan

20% of outstanding loan amount per annum (non-cumulative) free of charge, greater than 20% of outstanding loan amount per annum charged at 1.5% within first 5 years of the date of the facility agreement, reducing to 1% for subsequent 3 years

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International Debit Card* Minimum Charge (USD)

FX transactions/cash withdrawals • 7% of transaction amount

ATM withdrawals* • Sterling on a Sterling card: Free

• Foreign currency on a Sterling card: GBP1.50

• All currency on a US Dollar card: USD2

• All currency on a Euro card: EUR2

Outward Remittances (1) Minimum Charge (USD)

Includes payments, Telegraphic Transfers USD75 per request

For payments made to another Standard Chartered Bank entity these are free of charge; however a charge may be taken by the cor-respondent bank in some countries (including Standard Chartered Bank) before the payment reaches its final destination

Payments made through Online Banking are free of charge

Cheques and Bank Drafts • Collection (Standard Chartered Bank): Free of charge

• Other Collections: USD50

• Bank Issuance Drafts: USD50

• Stop Cheques: USD50

• Cash Collections: USD50

• Cheques Returned to us: USD50

• Cheques Returned by us: USD50

(1) Payments made online are free of charge for amounts up to USD75,000. The Bank does not charge for payments, however a charge may be taken by the correspondent bank in some countries (including Standard Chartered Bank) before the payment reaches its final destination.

* These are charges levied by VISA® which are not received by the Bank.

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Secured Wealth Lending Credit Facilities

Arrangement Fee of credit facility 1% of facility amount

Early repayment of fixed loan USD350 Administrative Fee plus Cost of Funds

Overdue loan repayment Default rate charged at 3-month Variable Lending Rate plus 10% per annum

General Banking Services

Debit Interest Rate for Unauthorised Overdraft Official Central Bank Interest Rate plus 10% p.a.

Courier charges USD20 plus cost of courier

Duplicate statements USD20 per statement

Standing Orders Free of charge (Payments made by standing order may incur a payment charge if it is a Telegraphic Transfer payment.)

Direct Debits Free of charge

Audit Confirmation/Interest Certificate USD100 per request

Early maturity of Term Deposit* USD350 Administrative Fee plus Cost of Funds

* A premature uplift of a Term Deposit is subject to our terms and conditions. The client may earn less or no interest if the client withdraws the Term Deposit before it matures. The administrative fee imposed on the early withdrawal of the Term Deposit may result in the client getting less than the original amount deposited with the Bank.

Section IV – Other Fees

Unless stated otherwise, the fees or charges will be calculated as the higher of a percentage of the transaction value or the applicable minimum charge.

Please contact your Relationship Manager for details on the exact charges which will be debited from your account.

Account Maintenance Fee USD100 per a month charged where the average Assets Under Management in the account fall below USD100,000

Safe Custody Fees *

Safe Custody Fees for documents physically held

Portfolio amount % of Portfolio Value

First USD500,000 0.70 per annum

Assets from USD500,000 up to USD1M

0.50 per annum

Assets above USD1M 0.25 per annum

USD50 per quarter per item held

* The fees are per annum calculated on the market value of the portfolio charged quarterly in arrears,

with a minimum USD250 per quarter.

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