INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)

Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK 30 Days Less than K1,000 More than K1,000 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure Tenure upto 364 days 1 AB Bank Limited 14.5%, 365 days and 6.00 6.00 9.00 10.00 13.00 13.50 above 16%

2 Limited 4.00 4.00 6.00 6.25 6.50 7.00 8.00

3 Atlas Mara Zambia 2.50 3.00 6.50 7.00 7.50 8.00 9.00

4 Bank of Zambia Limited 1.00 1.00 N/A N/A 1.50 2.50 3.50

5 Barclays Bank Zambia Plc 1.00 VARIOUS 2.00 0.00 6.20 8.00 9.30

6 Limited 3.00 3.00 7.00 8.00 10.00 11.00 14.00

7 Citibank Zambia Limited N/A N/A Max 9.60 Max 9.65 Max 10.20 Max 11.25 Max 17.50

8 Ecobank Zambia Limited 3.00 3.00 6.00 6.50 7.00 7.50 10.00

9 First Alliance Bank Zambia Limited 6.00 6.00 6.00 8.00 8.00 9.00 14.00

10 First Capital Bank Zambia Limited 3.00 3.00 7.00 8.00 8.50 9.00 11.00

11 First National Bank Zambia Limited 3.50 5.00 4.00 4.50 5.00 6.00 7.00

12 Indo-Zambia Bank Limited 3.50 to 6.00 based on 3.50 account type 5.00 5.00 6.00 7.00 8.00

13 Investrust Bank Plc 3.00 5.00 5.00 7.00 8.00 9.50 10.50

14 Stanbic Bank Zambia Limited 0.00 1.50 5.25 5.50 6.00 6.50 8.00

15 Standard Chartered Bank Zambia Plc 1.00 2.00 5.00 5.00 6.00 7.00 12.00

16 United Bank for (Z) Limited 3.00 3.00 8.00 8.50 9.00 10.00 12.00

17 Zambia National Plc 2.00 2.00 4.50 5.00 6.00 6.50 7.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )

PERSONAL (%) MORTGAGE LOANS (%) LENDING TO SMEs (%) Salary Backed Other Loans SNo. BANK Margin above Lending Interest Margin above BOZ Lending Interest Margin above BOZ Lending Interest Margin above BOZ Rate Lending Interest Rate BOZ Rate Rate Rate Rate Rate Rate

1 AB Bank Zambia Limited 26.25 36.00 N/A N/A N/A N/A 70.70 80.45

2 Access Bank Zambia Limited 18.25 28.00 17.25 27.00 N/A N/A 13.25 23.00

3 Atlas Mara Zambia 16.00 26.25 17.00 27.25 N/A N/A 19.00 30.00

4 Bank of China Zambia Limited 0.50 10.25 N/A N/A N/A N/A N/A N/A

5 Barclays Bank Zambia Plc 16.00 27.00 N/A N/A 10.75 21.00 N/A N/A

6 Cavmont Bank Limited 19.50 34.50 19.50 34.50 19.50 34.50 19.50 34.50

7 Citibank Zambia Limited N/A N/A N/A N/A N/A N/A N/A N/A

8 Ecobank Zambia Limited 19.50 29.25 19.50 29.25 NIL NIL 15.75 25.50

9 First Alliance Bank Zambia Limited 20.25 30.00 12.25 22.00 20.25 29.00 20.25 29.00

10 First Capital Bank Zambia Limited 30.00 39.75 30.00 39.75 NIL NIL 20.00 29.75

11 First National Bank Zambia Limited 19.10 28.35 INCL ABOVE INCL ABOVE 8.65 17.90 13.25 22.50

12 Indo-Zambia Bank Limited 20.50 33.00 20.50 33.00 20.50 33.00 20.50 33.00

13 Investrust Bank Plc 24.50 34.25 24.50 34.25 N/A N/A 24.50 34.25

14 Stanbic Bank Zambia Limited 17.25 27.00 19.25 29.00 14.50 24.25 20.25 30.00

15 Standard Chartered Bank Zambia Plc 16.50 26.25 16.50 26.25 10.50 20.25 15.50 25.25

16 United Bank for Africa (Z) Limited 17.50 27.25 17.50 27.25 5.00 14.75 17.50 27.25

17 Zambia National Commercial Bank Plc 16.12 26.12 17.48 27.48 13.29 23.29 15.53 25.53 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM

MONTHLY MAINTENANCE FEES (ZMW) PENALTY FEES FOR BALANCES BELOW MINIMUM BALANCE (ZMW) MINIMUM (ZMW) SNo. BANK Current Account Savings Account

High-end Market High-end Market High-end Market Basic Type High-end Market Type Basic Type Basic Type Basic Type Type Type Type

1 AB Bank Zambia Limited FREE 20.00 FREE FREE NONE NONE NONE NONE

2 Access Bank Zambia Limited 30.00 10.00 15.00 15.00 30.00 1000.00 0.00 50.00

3 Atlas Mara Zambia 50.00 300.00 35.00 N/A 100.00 1000.00 N/A N/A

4 Bank of China Zambia Limited 25.00 25.00 25.00 25.00 500.00 500.00 75.00 75.00

5 Barclays Bank Zambia Plc 40.00 250.00 30.00 NIL 500.00 100000.00 NIL NIL

6 Cavmont Bank Limited 70.00 100.00 35.00 70.00 30.00 2000.00 30.00 0.00 K150 on ZMW Accounts K150 on ZMW Accounts 7 Citibank Zambia Limited $15 on Foreign Currency $15 on Foreign Currency Accounts Accounts N/A N/A N/A N/A N/A N/A

8 Ecobank Zambia Limited 50.00 200.00 15.00 NIL 50.00 1000.00 NIL NIL

25 ZMW PER MONTH WHERE MIN BAL 9 First Alliance Bank Zambia Limited OF USD 1,000 IS NOT MAINTAINED. 25.00 NIL NIL 250.00 1000.00 25.00 25.00

10 First Capital Bank Zambia Limited 125.00 150.00 35.00 75.00 1000.00 5000.00 150.00 200.00

11 First National Bank Zambia Limited 27.00 140.00 12.00 NA 50.00 NA NA NA

12 Indo-Zambia Bank Limited 100.00 P.M FREE 5.00 P.M 30.00 P.M 40.00 500.00 25.00 25.00

13 Investrust Bank Plc FREE N/A FREE N/A FREE N/A 50.00 N/A

14 Stanbic Bank Zambia Limited 5 49.00 300.00 NIL NIL NIL NIL NIL NIL

15 Standard Chartered Bank Zambia Plc Savings 1,500.00 50.00 60.00 50.00 50.00 500.00 Current 500.00 50.00 50.00

16 United Bank for Africa (Z) Limited 30.00 55.00 5.00 10.00 20.00 7500.00 No interest paid No interest paid 35.00 or equivalent for 50.00 Personal, 110.00 40.00 Personal, 50.00 Personal, 95.00 50.00 Personal, 750.00 Personal, 15.00 Personal, N/A 17 Zambia National Commercial Bank Plc 20.00 Personal, SME N/A Personal & 50.00 or SME 80.00 SME SME 500.00 SME 1,200.00 for SME for SME equivalent for SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND FUNDS TRANSFERS

FUNDS TRANSFERS (ZMW) WITHDRAWAL (ZMW) DEPOSIT (ZMW) BANK SNo. Over the counter ATM Per Transaction Cash Electronic Internal Telegraphic Outwards Own Bank Other banks International Over The Counter Own Bank Other Banks Inward Clearance Clearance

0.60% Min. 50 0.30%, 4 Withdraws on Saving Acc USD,Max.250 free, 0.60% bulk cash withdrawals on USD (shared), 1 AB Bank Zambia Limited Current Acc and 0.65% on Savings +70 USD Acc correspodent 0.15% min 10.00; bank fee (our) N/A N/A N/A FREE FREE 30.00 FREE max.100.00 FREE

2 Access Bank Zambia Limited 1% min USD30 max 1% min USD30 4.00 5.00 3.00 10.00 NIL NIL NIL NIL USD250 NIL max USD250 1% of amount 3 Atlas Mara Zambia Min $55 max Min 50.00 Max 150.00 7.00 10.00 10.00 N/A N/A N/A NIL 35.00 NIL $150

0.1% - AMOUNT OVER 0.1MILLION 0.8%, MIN 4 Bank of China Zambia Limited (MONTHLY CUMULATIVE) 0.05% if amount more USD30.00, MAX N/A N/A N/A than ZMW200,000.00 FREE FREE FREE 70.00 FREE 250.00 USD 7 or kwacha 1% min zmk 151.5 1% min zmk 5 Barclays Bank Zambia Plc 1% 0f withdraw value,min3-max 28 8.00 20.00 20.00 NIL NIL NIL equivalent (includes USD 15 FREE 151.5 (includes

1% (Minimum 6 Cavmont Bank Limited USD30, Maximum 25.00 5.00 10.00 10.00 FREE FREE FREE N/A 50.00 N/A USD150) Electronic - 1%, Min $50, Max $150 7 Manual - 1.5%, 25.00 DDACC, 60.00 Min $75, Max Citibank Zambia Limited FCY Only -1.5% min $15 N/A N/A N/A NIL NIL NIL NIL RTGS NIL $300 1% min USD30.00 1%min. USD50- 8 Ecobank Zambia Limited 58.00 4.00 9.00 11.00 FREE FREE FREE FREE Max USD100.00 FREE max USD150

0.5 OF T.T AMT 9 First Alliance Bank Zambia Limited MIN USD $60 NIL 5.00 7.50 25.00 NIL NIL NIL NIL 50.00 NIL MAX 250 USD 10 First Capital Bank Zambia Limited 50.00 7.00 N/A N/A N/A N/A N/A NIL 60.00 10.00 90.00 upto 5000 free 1% of value or 11 First National Bank Zambia Limited thereafter 0.25% of branch 80.00 ; min 315.00 max 140.00 8.00 19.50 35.00 value FREE FREE FREE 6.00 electronic Free 1350

0.5% of amount, Free upto 50,000.00(3 min $20 max 12 Indo-Zambia Bank Limited .00 per 5,000.00 or $150 plus swift part thereof max DDACC 25.00 and charge $30 30.00 6.00 12.00 25.00 150.00) FREE FREE N/A RTGS 40.00 FREE

13 Investrust Bank Plc 50.00 8.00 15.00 25.00 N/A N/A N/A N/A 60.00 N/A 350.00 1% min USD35, 61 (for manual 14 Stanbic Bank Zambia Limited max USD70 plus instruction) 0.0 (120.0 - within ATM limit) 8.00 15.00 20.00 0.00 0.00 0.00 0.00 30.00 VAT 1% MIN USD 15 Standard Chartered Bank Zambia Plc 1% MIN K 10.00, 50.00, MAX 100.00 8.00 N/A 25.00 NIL NIL NIL NIL MAX K100.00 NIL USD250

16 United Bank for Africa (Z) Limited 0.5% (min50 max FREE 3.00 12.50 15.00 FREE FREE FREE FREE 35.00 FREE 130)

K 100.00 Personal, SME Four free DDACC 50.00 for withdraws, K50.00 for extra Personal & SME 0.75% of withdraws 20.00 + 1.5% , max RTGS 50.00 for 15.00 for amount,min $45, 15.00 Personal 50.00 Personal, 15.00 free for Personal & 10.00 for personal; free for Personal & 17 Zambia National Commercial Bank Plc 9.00 Personal, 9.00 SME N/A Personal & SME personal, 5.00 max $150 or K Excessive encashment of K 25,000.00 SME 15.00 + 1.5% max 50.00 SME 3.00 for SME SME Electronic (payflexi) for SME equivalent for and above = K 250.00 plus 0.2% for SME 7.50 Zanaco 10.00 Personal & SME amount above K 25,000.00 plus VAT External Customers for both Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 PAYMENTS FOR OTHER SERVICES AND UNPAID

PAYMENTS FOR OTHER SERVICES UNPAID CHEQUES (ZMW) SNo. BANK Interim Replacement of lost Bankers' Stop cheque Duplicate Photocopying per Uncleared Drawing against Certificate of Balance Standing order statements per Refer to Drawer ATM card cheque payment statement per page page effects uncleared effects page 1 AB Bank Zambia Limited 60.00 N/A 60.00 120.00 FREE FREE 30.00 standard N/A BOZ Charges N/A N/A

80 with police report, 510(Individual) and 1% of amount 2 Access Bank Zambia Limited 350 with no police 840 (Corporate) drawn, min K300 report 250.00 80.00 80.00 20.00 25.00 50.00 NIL NIL 510.00 250.00 80.00 for 50.00 for Classic,Silver 510.00 personnal personnal administration customers,100. 3 Atlas Mara Zambia and Prepaid cards 80.00 /840.00 SME & /840.00 SME & Fee plus interest 00 for Non for Gold Cards Business Banking Business @ BOZ policy + customers 200.00 200.00 60.00 25.00 25.00 20.00 Banking Margin Customer 70.00 ;Non- 4 Bank of China Zambia Limited customer 200.00 N/A 200.00 FREE FREE 20.00 20.00 5.00 FREE FREE FREE

5 Barclays Bank Zambia Plc 250.00 85.00 150.00 350.00 NIL 20.00 per page 50.00 per page 20.00 per page 540.00 NIL 350 per item

840 6 Cavmont Bank Limited (companies) 840 (companies) 510 510 200.00 60.00 104.00 150.00 20.00 30.00 40.00 10.00 (individuals) (individuals) 0.05 Within Zambia - As per 7 Citibank Zambia Limited =20.00 Statutory 200.00 N/A 75.00 NIL Outside Zambia - $15 30.00 30.00 N/A NIL Instrument N/A

8 Ecobank Zambia Limited 175.00 70.00 90.00 120.00 65.00 15.00 30.00 15.00 510.00 750.00 812.00

510 ZMW 9 First Alliance Bank Zambia Limited INDIVIDUAL 840 ZMW CORPORATE 150.00 50.00 50.00 150.00 50.00 25.00 25.00 10.00 NIL N/A

10 First Capital Bank Zambia Limited 250.00 150.00 100.00 200.00 150.00 70.00 150.00 NIL 840.00 NIL 510.00

11 First National Bank Zambia Limited 100.00 online and Free Online and 33.50 110.00 70.00 200.00 300.00 FNB Branch FNB Branch 45.00 45.00 10.00 per page N/A 510.00 405.00

AS PER ZECHL AS PER ZECHL 12 Indo-Zambia Bank Limited PREVAILING PREVAILING RULES RULES 150.00 per occasion 100.00 - card 100.00 250.00 50.00 Per page 30.00 Per page 30.00 Per page 5.00 N/A

13 Investrust Bank Plc K100 + VAT 300.00 100.00 K16 350.00 100.00 45.00 50.00 10.00 510.00 510.00 500.00 As per 14 Stanbic Bank Zambia Limited As per Statutory Statutory 462.00 105.00 218.00 605.00 31.00 66.00 66.00 50.00 Instruction Instruction NIL 510.00 1% MIN K 510.00 Individual & Individual & 15 Standard Chartered Bank Zambia Plc 160.00, MAX K 840.00 Non Individual 840.00 Non 500.00 Individual 100.00 100.00 100.00 300.00 20.00 100.00 100.00 N/A

16 United Bank for Africa (Z) Limited 150.00 70.00 65.00 150.00 FREE 20.00 20.00 10.00 560.00 560.00 1000.00

50.00 plus VAT per K 50.00 plus VAT per 60.00 plus VAT for 100.00 per 250.00 plus VAT for statement for statement for 510.00 per item for Free for Personal & 17 Zambia National Commercial Bank Plc 200.00 plus VAT for Personal & SME Personal : 100.00 plus cheque for Personal, 300.00 plus Personal & 100.00 Personal & K 100.00 Personal, 840.00 per SME VAT for SME Personal & SME VAT for SME plus VAT per plus VAT per item for SME statement for SME statement for SME N/A N/A N/A INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 LEDGER FEES PER ENTRY, INTERNET AND TELEPHONE BANKING LEDGER FEES PER ENTRY (ZMW) INTERNET AND TELEPHONE BANKING

SNo. BANK Current Account Savings Account INTERNET TELEPHONE BANKING Monthly Own Bank's Other Banks' Own Bank's Other Banks' Debits Credits Debits Credits Maintenance Platform Platform Platform Platform

1 AB Bank Zambia Limited FREE FREE FREE FREE N/A N/A N/A N/A N/A

2 Access Bank Zambia Limited NIL NIL NIL NIL NIL NIL NIL NIL NIL

3 Atlas Mara Zambia 40.00 for Businesses 15.00 DDAC 35.00 N/A N/A N/A N/A /Free for individuals 3.00 RTGS 3.00 10.00 0.8% USD30- 0.8% USD30- 4 Bank of China Zambia Limited USD250（TT）/ZMW USD250（TT）/ZMW7 FREE FREE FREE FREE FREE 70 （RTGS） 0 （RTGS） N/A N/A

5 Barclays Bank Zambia Plc FREE FREE FREE FREE FREE FREE 10.00 FREE 10.00

6 Cavmont Bank Limited 6.00 N/A 6.00 N/A N/A N/A 50.00 N/A N/A

7 Citibank Zambia Limited NIL NIL N/A N/A $50 Quarterly NIL NIL NIL NIL

8 Ecobank Zambia Limited FREE FREE FREE FREE FREE FREE NIL NIL NIL

9 First Alliance Bank Zambia Limited 4.00 ZMW EXCEEDING & 5 DEBITS NIL NIL NIL 5.00 NIL 35.00 N/A N/A

10 First Capital Bank Zambia Limited NIL N/A N/A N/A N/A 40.00 N/A N/A N/A

First FNB ATM Withdrawal 11 First National Bank Zambia Limited Free, Thereafter 20 20.00 N/A FREE FREE 3.50 8.00 8.00 N/A 60.00 per annum 25.00 & 40.00 Indo-Zambia Bank Limited Savings and 120.00 depending on amount 12 FREE FREE FREE FREE per annum Current FREE FREE FREE

13 Investrust Bank Plc N/A N/A N/A N/A 10.00 15.00 N/A 7.00 60.00

14 Stanbic Bank Zambia Limited 1.2% min 7.00 max 28.00 per debit NIL NIL NIL NIL 5.00 19.00 N/A N/A

15 Standard Chartered Bank Zambia Plc Savings 1% MIN 30.00, MAX Current Account 50.00 Current Account NIL Account 5.00 Savings Account NIL NIL NIL 250.00 N/A N/A

16 United Bank for Africa (Z) Limited FREE FREE FREE FREE 25.00 FREE 0.50 N/A N/A 100.00 and below = 4.00 and 1.00 SME Above 100.00 to 250.00 = 5.00 and 2.00 SME Above 250.00 to Transfers to other free for Personal & 6.00 for Personal & 20.00 for Personal & 500.00 = 6.00and 3.50 17 Zambia National Commercial Bank Plc banks 20.00 and SME 6.00 SME 20.00 SME SME 20.00 SME Above 500.00 to 2,000 = 7.00and 6.00 SME Above 2,000 = 9.50 and 9.50 SME N/A N/A N/A N/A INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2018 GENERAL CHARGES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS

ACCOUNT GENERAL CHARGES (ZMW) CLOSURE/DORMA SNo. BANK Balance Inquires Overdrawn Account Over the Dormant per Interest charge (%) Closure Reactivation Own Bank's ATM Other Bank's ATM Counter Mobile Banking month

1 AB Bank Zambia Limited 60.00 Current Acc, N/A N/A FREE N/A N/A 20.00 other free FREE

2 ACCESS NIL NIL NIL NIL 34.50 NIL 100.00 20.00 150.00 within 6 months ,100.00 more 3 Atlas Mara Zambia than 6 months Nil for deceased 3.00 5.00 5.00 2.00 BOZ Rate + 19% NIL FREE

4 Bank of China Zambia Limited N/A N/A FREE N/A N/A 25.00 50.00 FREE

5 Barclays Bank Zambia Plc 3.00 FREE FREE FREE 34.00 40.00 NIL N/A Applicable 6 Cavmont Bank Limited maintenance fee/ 0.50 0.50 N/A N/A 500.00 per incident account type 75.00 N/A Min BPR plus 12.5%, 7 Citibank Zambia Limited Max BPR plus margin N/A N/A NIL N/A of 15% NIL NIL NIL

8 Ecobank Zambia Limited FREE 1.20 2.50 1.20 Policy Rate + margin NIL 200.00 50.00

9 First Alliance Bank Zambia Limited 3.00 5.00 NIL N/A NIL NIL 50.00 50.00

10 First Capital Bank Zambia Limited N/A N/A N/A N/A 1000.00 NIL NIL 150.00

11 First National Bank Zambia Limited FREE 5.00 12.50 FREE 36.50 Standard rates apply N/A N/A 40.00 Savings and 100.00 Savings and 12 100.00 current 150.00 current Indo-Zambia Bank Limited FREE 30.00 FREE FREE 0.33 FREE

13 Investrust Bank Plc 5.00 N/A 10.00 1.40 34.50 N/A 100.00 N/A

14 Stanbic Bank Zambia Limited 2.00 N/A 22.00 N/A BPR+15.5% NIL NIL NIL

30% FOR INDIVIDUAL 15 Standard Chartered Bank Zambia Plc & 30.00% FOR NON INDIVIDUAL NIL N/A Nil Nil 50.00 150.00 NIL

16 United Bank for Africa (Z) Limited FREE FREE FREE N/A 0.18 FREE 80.00 FREE

100.00 Personal and 20.00 for ATM BOZ Policy rate + foreign currency 4.00 for Personal and 3.50 eligible margin , USD Base accounts 170.00. free for Personal & 17 Zambia National Commercial Bank Plc 2.50 for Personal and 2.00 SME 2.00 for Personal FREE SME accounts. Free rate +/- margin for SME 200.00 and SME for SME Personal & SME foreign currency accounts 225.00