| BANK CONDITIONS FOR CLIENTS | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| NATURE OF THE OPERATION | BASE | RATE & COMMISSIONS | VALUE DATE | ||||||
| TERMS OF OPERATIONS ON THE MONEY MARKET | |||||||||
| Treasury bills | NEGOTIABLE | ||||||||
| Certificates of Deposit | NEGOTIABLE | ||||||||
| Commercial paper | NEGOTIABLE | ||||||||
| CREDITING CONDITIONS | |||||||||
| Term deposits and Savings notes (to be specified by term) | |||||||||
| in dinars | NEGOTIABLE | ||||||||
| foreign currency | |||||||||
| less than 24 months | NEGOTIABLE | ||||||||
| more than 24 months | NEGOTIABLE | ||||||||
| LIABLE FOR PAYMENT TERMS | |||||||||
| Consumer credit | TMM+5% | ||||||||
| Other short-term loans | TMM+5% | ||||||||
| Housing loans | |||||||||
| Medium term | TMM+5% ou 9% | ||||||||
| Long-term | TMM+4% | ||||||||
| Other medium and long-term credits | TMM+4% | ||||||||
| Leasing | |||||||||
| Movable | TMM+6% | ||||||||
| Immovable | TMM+6% | ||||||||
| foreign currency financing | |||||||||
| Receivables mobilization born on foreign credits | TB+4% | ||||||||
| Other foreign currency financing | TB+4% | ||||||||
| BANK TRANSACTIONS | |||||||||
| Effect for collection | |||||||||
| In Tunisia | Effect | 4,5 | JE+3JO | ||||||
| On abroad | Effect | 2%° WITH MIN.50 MAX.500 | DA +2JO | ||||||
| expected impact | |||||||||
| In Tunisia | Effect | 4,5 | discount day | ||||||
| Abroad | Effect | SRP WITH MIN.150 | discount day | ||||||
| Regulation effect | Effect | 4 | DP-1JO | ||||||
| Discount effect for protest | Effect | 20 | Day off | ||||||
| Account Maintenance Fee | |||||||||
| Cheque account | Account / Trim. | 12 | Last day quarter | ||||||
| Current account | Account / Trim. | 25 | Last day quarter | ||||||
| Savings account | Account / Trim. | 2,5 | Last day quarter | ||||||
| Cheque cashing | |||||||||
| Cheque drawn on Tunisia | Cheque | 0,65 | JL+1JO | ||||||
| Cheque from abroad | Cheque | 40+RFJ | DA +2JO | ||||||
| E-cards | |||||||||
| Local Cards | |||||||||
| Classic VISA Card Individual | Card | 30 | J-1JO | ||||||
| Classic VISA Card Business | Card | 50 | J-1JO | ||||||
| Gold VISA Card Individual | Card | 80 | J-1JO | ||||||
| Gold VISA Card Business | Card | 100 | J-1JO | ||||||
| International Cards | |||||||||
| Gold VISA Card Individual | Card | 120 | J-1JO | ||||||
| Gold VISA Card Business | Card | 140 | J-1JO | ||||||
| Certified cheque | Cheque | 10 | D. certif.-1JO | ||||||
| Recovery fees on bounced cheque | Cheque | 180 | Incident day | ||||||
| Bank transfers | |||||||||
| In Tunisia | Transfer | 2 | D. pos.-1JO | ||||||
| Abroad | Transfert | 1,25%° WITH MIN.30 MAX.200 | DPC+1JO | ||||||
| Estate settlement | Person | 50 | Settlement day | ||||||
| Research on behalf of client for archived documents | Sheet | TND.1 WITH MAX.60 | J | ||||||
TMM : Average Monthly Rate Money Market - TB : Base rate of currency - JE : Deadline Day - JO :Business Day DA : Date of assignment - DP : Date of Payment - JL : Day Clearance Compensation - J : Day of operation - SRP : According to Country Risk - DPC : Date Date of taking over
