Collections for your Account (in)
Pay-in sterling cheques drawn on UK sited bank	Free
Pay-in currency cheques	£0.50 per cheque £5 min.
Cash paid in at HSBC branches	£0.50 per £100
Unpaid cheque inwards (sterling and currency)	£5.00
Special presentation of sterling cheque on UK sited bank	£15.00
Collection of sterling cheque on non UK sited bank	£30.00
Collection of currency cheque	£30.00

Money Transfers Out
Transfer to another account with us, all currencies	Free
Sterling payments BACS	£5.00
Sterling payments to UK bank	£22.00
Sterling payments to non UK bank	£25.00
Other currency payments	£25.00
CHAPS or SWIFT recall (irrespective of success)	£5.00
BACS recall	£5.00
BACS payroll by prior agreement	By negotiation
BACS payroll per set up/alteration	£1 per line

Money Transfers In
All currencies (SWIFT and CHAPS)	Free
BACS receipts	Free

Bankers Drafts
Sterling	£10.00
Other currencies	£15.00

Miscellaneous
Duplicate statements	£5 per duplicate statement
Audit confirmations	£25 plus VAT
Certificates of balance	£15 plus VAT
Confirmation of interest paid	£15 plus VAT
Duplicate Section 352 certificate	£5 plus VAT
Status enquiry/Bank reference/introduction letter	£10 plus VAT
Investigation charge	£30 plus costs
Management time (discretionary and by arrangement)	£75 plus VAT per hour
Faxing payment confirmations to clients	£5.00

Account Maintenance Conditions and Charges
*Private Bank Account – total number of free cheques paid in or out per month	20 free (50p per additional cheque thereafter)
Relationship Managers Fee (discretionary and by arrangement)	£200 per annum
Unauthorised overdraft interest rate	Base + 8%
Early withdrawal from fixed term deposit	Market cost + £100

Butterfield Gold MasterCard - Commission for Overseas Transactions:
At cash machines	No Charge
At point of sale	No Charge

Card Misuse Fee - if you use your deferred debit card when there are insufficient funds in your account, we will charge you £35 for each item we are obliged to pay.  For other charges, please refer to the Gold MasterCard Terms and Conditions.  

Fees are subject to change. Effective 1 May 2006