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Banque des Mascareignes Ltée
Statement of Principal INDICATIVE Interest Rates and Service Charges 
(Updated 25.06.10)
For domestic operations     
 
 {In Mauritian Rupee except if stated otherwise}  Individuals Corporates     Self-employed / SMEs
 A  INTEREST RATES      
 1  Deposits          
       Savings  4.50%  4.50%  4.50%
 Call (margins) less than 3% for LIBID less than 2.5% for LIBID less than 3% for LIBID
(USD. GBP. CAD. AUD) / less than 2.5% for EONIA (EUR) OTHERS. UPON REQUEST  (USD. GBP. CAD. AUD)/ less than 2% for EONIA (EUR). OTHERS. UPON REQUEST (USD. GBP. CAD. AUD) / less than 2.5% for EONIA (EUR) OTHERS. UPON REQUEST
 Term (MUR)  Between 4.50 & 8.40%  Between 4.50 & 8.40%  Between 4.50 & 8.40%
 Term (FCY) margins  EUR: 0.40% - 1.40% / USD GBP CAD AUD: 0.50% - 1.50%  EUR: 0.20% - 0.40% / USD GBP CAD AUD: 0.30% - 0.60%  EUR: 0.40% - 1.40% / USD GBP CAD AUD: 0.50% - 1.50%
 2 Credit facilities (MUR)     
      Prime Lending Rate  8.75%  8.75%  8.75%
 Credit cards  n/a  n/a  n/a
 Other credit facilities - margin over PLR  0.25% - 7.75% *  0.75% - 4% *  0.25% - 7.75% *
 3  Credit facilities (FCY)     
      Margin over LIBOR  1.5% - 4% *  1.5% - 3.5% *  1.5% - 4% *
      * subject to Credit Assessment    * subject to Credit Assessment    * subject to Credit Assessment 
 B   DEPOSITS     
 4  Savings Account     
      Minimum account opening balance  5 000  10 000 5000
 Minimum credit balance to earn interest  5 000  10 000 5000
 Monthly service charges if credit balance falls below minimum balance   n/a  n/a  n/a
 5  Current Account     
      Minimum account opening balance  5 000   10 000 5000
 Cost of cheque book  Between 100 & 320  Between 175 & 320  Between 100 & 320
 Monthly service charges  75 + VAT  60 + VAT  120 + VAT
 6  Call Deposit Account     
      Minimum balance  upon request   upon request  upon request
 Minimum credit balance to earn interest   upon request   upon request   upon request
 Monthly service charges  n/a  n/a  n/a
 7  Term deposits (MUR)     
     Minimum balance  50 000   50 000  50 000
 Deposit withdrawn before maturity *applicable penalty will be advised at the time of early withdrawal. *applicable penalty will be advised at the time of early withdrawal. *applicable penalty will be advised at the time of early withdrawal.
 8  Term deposits (FCY)     
     Minimum balance  5 000  5 000  5 000
 Deposit withdrawn before maturity *applicable penalty will be advised at the time of early withdrawal. *applicable penalty will be advised at the time of early withdrawal. *applicable penalty will be advised at the time of early withdrawal.
 9  Foreign Currency Account     
         Minimum balance     
  - Euro  2 000   2 000   2 000
  - Pound Sterling  2 000  2 000  2 000
  - US Dollar  2 000  2 000  2 000
  Monthly service charges USD,AUD,CAD,CHF -1.5+VAT USD,AUD,CAD,CHF -1.5+VAT USD,AUD,CAD,CHF -1.5+VAT
EUR,GBP-1+VAT EUR,GBP-1+VAT EUR,GBP-1+VAT
ZAR 10+VAT ZAR 10+VAT ZAR 10+VAT
 C  CREDIT FACILITIES     
 10  Credit Cards     
       Annual fee  n/a  n/a  n/a
 Replacement of lost / stolen cards  n/a  n/a  n/a
 Cash advance fee  n/a  n/a  n/a
 Overlimit fee  n/a  n/a  n/a
 11  Loans and advances     
          Processing fee 1% 1% 1%
 Arrangement fee n/a n/a  n/a
 Ledger fee 75+VAT  monthly for loans ≥100k n/a 75+VAT  monthly for loans ≥100k
 Commitment fee 0.08% (per month) of any undrawn balance 0.08% (per month) of any undrawn balance 0.08% (per month) of any undrawn balance
 Early redemption / prepayment fee  1%  1%  1%
 Valuation Survey & Report fee  upon request  upon request  upon request
 Legal charges for creation of security documents  2 000  2 000  2 000
  - Fixed / Floating Charges  not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000  not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000  not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000
     - Gages sans deplacement      
not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000 not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000 not exceeding 300.000 rupees => 1.000 // exceeding 300.000 rupees but not exceeding 500.000=> 3.000 //  exceeding 500.000 rupees  but not exceeding 1.000.000 => 10.000// exceeding 1.000.000 rupees but not exceeding 5.000.000 rupees => 30.000// exceeding 5.000.000 rupees => 50.000
  - Erasure of charges  500  500  500
 
 12  Guarantees     
        Performance bonds  1.5% PA (MIN 500)  1.5% PA (MIN 500)  1.5% PA (MIN 500)
 Tender : bid bonds  0.25% - 1% (MIN 500)  0.25% - 1% (MIN 500)  0.25% - 1% (MIN 500)
 Advance payments bonds  2% p.a (min 500)  2% p.a (min 500)  2% p.a (min 500)
 Retention money bonds / guarantees  2% p.a (min 500)  2% p.a (min 500)  2% p.a (min 500)
 Shipping guarantee  400 - 800  400 - 800  400 - 800
 D  GENERAL SERVICES     
 13  Treasury Bills     
     Account opening fee  n/a  n/a  n/a
 Transaction fee  n/a  n/a  n/a
 14  Debit Cards     
         Annual fee  Between 200 & 800 + VAT  Between 200 & 800 + VAT  Between 200 & 800 + VAT
 Replacement of lost / stolen cards  Between 100 & 400 + VAT  Between 100 & 400 + VAT  Between 100 & 400 + VAT
 Withdrawals     
  - Bank's ATM  nil  n/a  nil
  - Other banks' ATM 40  n/a 40
  - Overseas  80  n/a  80
 15  Others     
          Telegraphic transfer Mur 200 + Swift Mur 150 + commission in lieu of exchange + Overseas charges if any Mur 200 + Swift Mur 150 + commission in lieu of exchange + Overseas charges if any Mur 200 + Swift Mur 150 + commission in lieu of exchange + Overseas charges if any
 MACSS facility 100  100 100
 Audit confirmation certificate  Between 350 & 700  Between 350 & 700  Between 350 & 700
 Testimonial / Banker's reference fee 300  100 300
 Letter of reference 300  100 300
 Payroll fee  7/ operation or 80/ spreadsheet  7/ operation or 80/ spreadsheet  7/ operation or 80/ spreadsheet
 Internet banking fee 50/monthly 400/monthly 400/monthly
 Duplicate statement of account 100 100 100
 Standing instructions     
  - Internal transfer  10 10 10
  - Transfer to other banks 35 35 35
 Direct debit 10 10 10
 Purchase of foreign cheques/bank drafts 150 /cheque + commission in lieu if any+ Overseas charges if any 150 /cheque + commission in lieu if any+ Overseas charges if any 150 /cheque + commission in lieu if any+ Overseas charges if any
 Office cheque insurance 150 150 150
 Cheque returned    
  - Inward 25 25 25
  - Outward 250 250 250
 Stop payment orders 100 100 100
 Safe deposit lockers n/a n/a n/a
*For further information or details on any of the above or full range of fees, please contact the bank or visit its website.

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