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Fees & Commissions for Private Accounts

All prices mentioned in this document are in CHF.

1. Opening and maintenance

Opening CIM Multicurrency Account	Free of charge
Maintenance of CIM Multicurrency Account	90.- quarterly
Maintenance of CIM Precious Metal account, Gold, Silver, Palladium and Platinum	80.- quarterly

2. Market transactions

2.4 Derivatives Transactions
Futures Shares, bonds, commodities, forex, etc.	CHF 30.- per contract or equivalent
Standard Options Shares, bonds, commodities, forex, etc.	CHF 10.- per contract or equivalent

3. Forex Transactions

Exception

In the event of deteriorated market conditions on certain currency pairs, the bank reserves the right to apply a spread of up to 5%.

4. Maintenance fees

4.1 Custody fees
	Managed clients	Standard
Custody fees	0.18%	0.22%
Custody fees precious metals	0.45%	0.45%
Minimum	0.-	60.-

4.2 Dividends and Coupons Fees
Free of Charge

5. Unequalled Management fees

5.2 Blackrock Mandate
All mandates	0.20% quarterly

5.3 Every Client is Unique Mandate
Bonds	0.08% quarterly
Mixed	0.15% quarterly
Shares	0.20% quarterly

6. Loan facility - Lombard loan

Available in more than 15 different currencies.

7. Term and fiduciary deposits

7.1 Term deposits at CIM Bank
Free of charge
Interests are subject to the Swiss withholding tax of 35%.

7.2 Fiduciary fixed-term deposits
Annual fee:	0.50%
Minimum fee:	50.-

7.3 Fiduciary 48 hours call deposits
Annual fee:	0.50%
Minimum fee:	50.-

8. Transfers

8.1 Incoming transfers
Free of charge

Processing fees up to CHF 300.- max. may be applied as extra charges. Bank Charges may be doubled if the transfer is under express demand.

8.2 Other special transfer services
Swift request:	50.-
Payment confirmation:	100.-
Notice to the beneficiary:	100.-
Costs of search (less than 3 months):	100.-
Costs of search (more than 3 months):	200.-
Return of Incoming Funds:	100.-
Cancellation of an Outgoing transfer:	100.-
Confirmation of crediting for an Outgoing transfer:	100.-
Amendment of an Outgoing transfer:	100.-

8.3 Transfers of securities
Incoming	100.- per position of securities / maximum 0,50 % of corresponding value
Outgoing	100.- per position of securities / maximum 0,50 % of corresponding value
Transfer of specific securities:	Maximum 1%

9. Cash transactions

9.1 Cash withdrawal/Deposit
Withdrawals in CHF	0.25%
Withdrawals in other currencies	0.50%
Deposit in CHF	0.15%
Deposit in other currencies	0.50%

10. Guarantee issue

Of the guarantee per annum	2,5%
Minimum	190.-

11. Administrative costs

	Standard
Hold mail, e-banking, Account statement by post	100.- yearly
Account statements, other letters	30.- / 50.-
Tax statements	120.- yearly
Reference	300.-
Any correspondence by post	120.-
High risk accounts fee	150.- quarterly
Freezing of assets (competent authorities)	min. 500.-, up to 1%
Account opening fee when first deposit < CHF 5'000.-	Up to 500.-
Precious Metal account	1% yearly
Electronic identification and signature	50.-
Account amendment fee	50.- / 750.-
Account closure fee	300.-
Digipass fees for E-Banking connection	100.-

12. Delivery of statements and estimates

13. Safe deposit box

14. Remarks

Swiss residents are liable to pay VAT (Value Added Tax) applicable to certain services of the Bank, while non-resident clients are not. The following fees and commissions do not include VAT.
The Bank’s remuneration for any other not described above shall be determined by the Bank with the client.
This tariff is subject to changes in accordance with the General Terms and Conditions of the Bank.
Brokerage and any eventual fees charged by third parties on all transactions will be debited separately. Federal stamp duty is levied according to the Swiss Federal Stamp Duty Act.
Additional fees may apply for accounts managed by external managers.