Schedule of Rates and Charges 2020 CHARGES (VAT Exclusive) (VAT Inclusive)

USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR

Maintenance Fee

Current Account:

Corporate Per month 15,000 12 8 17,700 14.16 9.44 Chana Customers SME Per month 13,000 12 8 15,340 14.16 9.44

Personal Per month 13,000 12 8 15,340 14.16 9.44 Lipa Customers Financial Institutions Per month 200,000 12 8 236,000 14.16 9.44 ()

Bidii Per month 3,000 3 3 3,540 3.54 3.54 na Account Savings Accounts: Fanya malipo Normal Savings Per month 1,600 2.5 2.5 1,888 2.95 2.95 Account Salary Visa Per month 1,500 2.5 2.5 1,770 2.95 2.95 Account Busara Per month Free n/a n/a Free n/a n/a Popote bila stress Account Scholar Per month Free Free Free Free Free Free Account Junior Per month Free Free Free Free Free Free Jumbo Malkia Per month Free Free Free Free Free Free Account Thamani Per month Free n/a n/a Free n/a n/a Account Dhahabu Per month Free n/a n/a Free n/a n/a Account Bal. >USD/ Tanzanite GBP/EUR, 1,500 Free Free 1,770 Free Free Account 5000 Bal.

Cash Deposit Over the Per transac- Free Free Free Free Free Free Counter tion CRDB Per transac- Free Free Free Free Free Free Wakala tion

Cash withdrawal Over the Counter

"Per trans- Current action 1.18% 1.18% 5,085 1% min.5 1% min. 5 6,000 Account for amount min 5.9 min 5.9 up to 25mn."

"Per trans- 1.18% 1.18% Bidii action min 5.9 min 5.9 4,000 1% min.5 1% min. 5 4,720 Account for amount max max up to 20mn." 150 150

Sim- Banking “Per transac- (Paperless 4,000 n/a n/a 4,720 n/a n/a tion” cash with- drawal) "Savings accounts "Per trans- **except action 1.18% 1.18% those 4,000 1% min.5 1% min.5 4,720 for amount min 5.9 min 5.9 exempt- up to 5mn." ed from charges." USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR 400,000 - Per transac- Bulk cash withdrawal (over the counter) 5,000 n/a n/a 5,900 n/a n/a 499,999 tion "Per trans- action 500,000 - Per transac- "Current 0.1% max 0.12% max 5,339 n/a n/a 6,300 n/a n/a for Amount n/a n/a n/a n/a 599,999 tion account" 150,000 177,000 above 600,000 Per transac- 5,508 n/a n/a 6,499 n/a n/a 25mn." -,999,999 tion "Per trans- 1,000,000 Per transac- action 5,805 n/a n/a 6,850 n/a n/a Bidii 0.1% max 0.12% max - 1,999,999 tion for Amount n/a n/a n/a n/a Account 150,000 177,000 2,000,000 above 20 Per transac- - 6,102 n/a n/a 7,200 n/a n/a mn." tion 2,999,999 "Per trans- 3,000,000 Savings action 0.1% max. 0.12% max Per transac- n/a n/a n/a n/a - 6,356 n/a n/a 7,500 n/a n/a account for Amount 150,000 177,000 tion above 5mn." 3,999,999 4,000,000 Per transac- - 6,780 n/a n/a 8,000 n/a n/a "Note: tion (1) Withdrawal of amount disbursed for Term Loans, Personal Loans and only ODs advanced to 4,999,999 Corporate customers for buying traditional crops are not subjected to this fee. 5,000,000 " Per transac- - 7,203 n/a n/a 8,500 n/a n/a (ii) Accounts exempted from charges are JJ, Malkia, Busara, Dhahabu FDR,Thamani and NiaMoja tion 6,000,000 Accounts Agent Banking ATM Cash withdrawal Starter pack Applica- for new 200,000 n/a n/a 236,000 n/a n/a CRDB tion fee Per transac- Equiv- Equiv- agent Bank 1,017 n/a 1,200 n/a tion alent alent ATMs Cheque book Other local Per leaf Per transac- banks’ 3,000 n/a n/a 3540 n/a n/a Cheque (TZS 100 tion 424 0.3 0.3 500 0.35 0.35 ATMs Book order Stamp Duty inclusive). Other banks’ 1.18%of 1.18% Per transac- Equiv- Equiv- Equiv- 1% of the 1.18% of the ATM out- 7500 + 1% Equiv-alent 8,850 + 1% 1% of the 1% of the the of the tion alent alent alent Stop amount amount side the amount min. amount amount amount Payment Per cheque min. 30 min. 59,000 country 50,000 max. min. 15 min 35.4 min 17.7 Order max. max. 300,000 max. 150 max. max. ATM 300 354,000 354 177 access fee - (other/ Per transac- Stop / 11,500 interna- tion unblock 20,000 max. 23,600 Equiv- Equiv- Per leaf Equiv. Equivalent tional bank cheque 40,000 max 47,200 alent alent customers) leaf Trans- Stop/ action unblock Per cheque Equiv- Equiv- 40,000 Equiv Equivalent 47,200 Decline at cheque book alent alent ATMs Out- book Per decline 932 0.4 0.4 1,100 0.48 0.48 side the Encash- country ment of due to a third party Equiv- Equiv- PIN error Per cheque 10,000 Equiv. Equivalent 11,800 cheque alent alent "ATM without With- checklist drawal Unpaid Not-On-Us Per transac- Equiv- Equiv- Equiv- 3,000 Equiv-alent 3,540 cheque (Custom- tion alent alent alent 1.18% min for reason 1% min. ers of 177,000 “Refer to Per cheque 150.000 max 100 100 118 118 other local max Drawer or 300,000 banks)" 354,000 Effect not CRDB Wakala Cleared” 1,000 - Per transac- Checklist Per page 1,000 0.5 0.3 1,180 0.59 0.35 254 n/a n/a 300 n/a n/a 3,999 tion "Uncollect- 4,000 - Per transac- ed Cheque 339 n/a n/a 400 n/a n/a 4,999 tion Book (after a 5,000 - Per transac- 466 n/a n/a 550 n/a n/a message 9,999 tion Per Cheque has been 5,000 per Book per 2 2 5,900 2.36 2.36 10,000 - Per transac- sent to a month 932 n/a n/a 1,100 n/a n/a month 19,999 tion custom- er to 20,000 - Per transac- 1,102 n/a n/a 1,300 n/a n/a collect the 39,999 tion Cheque 40,000 - Per transac- Book)" 1,271 n/a n/a 1,500 n/a n/a 49,999 tion Cheque Clearance 50,000 - Per transac- 1,525 n/a n/a 1,800 n/a n/a Inter-Branch Cheque Deposit 99,999 tion Cheque 100,000 - Per transac- drawn at 2,839 n/a n/a 3,350 n/a n/a Per cheque Free Free Free Free Free Free 199,999 tion domicile 200,000 - Per transac- Branch 3,771 n/a n/a 4,450 n/a n/a 299,999 tion 300,000 - Per transac- 4,576 n/a n/a 5,400 n/a n/a 399,999 tion USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR Cheque "50% of drawn at Up-lift- "50% of in- interest different ing of Per transac- terest paid paid Per cheque Free Free Free Free Free Free n/a n/a n/a n/a Branch of Dhahabu tion if the tenure if the the same Account is <5Yrs." tenure is locality <5Yrs." Cheque JJ cash drawn at withdrawal different exceeding Per transac- Per cheque Free Free Free Free Free Free 10,000 10 10 11,800 11.8 11.8 Branch of 4th trans- tion different action per locality annum. Confirma- Activation of Dormant Account tion for Per confir Free Free Free Free Free Free Current Per activa- withdrawal mation Free Free Free Free Free Free Account tion trans. Savings Inter-Bank Accounts Per transac- Free Free Free Free Free Free Inward except JJ tion Cheque for Per cheque 847 0.4 n/a 999 0.43 n/a A/c Clearance Accrued "Normal Monthly/ Clearance Mait- (Same enance Per item 500 0.25 n/a 590 0.30 n/a locality & Fee on Per Account Free Free Free Free Free Free Upcountry Dormant Cheques)" Accounts with Zero Bankers Cheque balance Sale of Closing of Account Bankers Per leaf 30,000 20 n/a 35,400 23.6 n/a Cheque Current Per Account 20,000 20 10 23,600 23.6 11.8 Account Cancella- tion/Re- Per leaf 20,000 20 n/a 23,600 23.6 n/a Savings Per Account 5,000 5 3 5,900 5.9 3.54 purchase Accounts Balance inquiry Funds Transfer Over the Within CRDB Bank counter Per enquiry 1,695 Free Free 2000 Free Free Over the Per transac- (OTC) Free Free Free Free Free Free counter tion At our ATMs SimBank- Transfer Own Free n/a n/a Free n/a n/a Customers Per enquiry 300 0.15 n/a 354 0.18 n/a ing account Other local transfer to banks' cus- Per enquiry 800 0.4 n/a 944 0.47 n/a 3rd party 702.5 n/a n/a 829 n/a n/a tomers account At other Cardless (Mobile Phone) banks' 5,000- ATMs Per enquiry 500 0.25 n/a 590 0.3 n/a 677.97 n/a n/a 800.00 n/a n/a 50,000 within the country 51,000 - 847.46 n/a n/a 1,000.00 n/a n/a 100,000 At other banks' 100,001 - 1,016.95 n/a n/a 1,200.00 n/a n/a ATMs Per enquiry 1,000 1 n/a 1,180 1.18 n/a 200,000 outside the 200,001 - country 1,271.19 n/a n/a 1,500.00 n/a n/a 300,000 SimBank- Per enquiry 339 n/a n/a 400 n/a n/a 300,001- ing 1,525.42 n/a n/a 1,800.00 n/a n/a 400,000 Internet Per enquiry Free Free Free Free Free Free 400,001 - Banking 1,694.92 n/a n/a 2,000.00 n/a n/a 500,000 CRDB Per enquiry 254 Free Free 300 Free Free 500,001 - Wakala 1,949.15 n/a n/a 2,300.00 n/a n/a 600,000 NOTE: 600,001 - Corporate, SME customers and JJ, Malkia, Busara and FOREX accounts are exempted from OTC Balance 2,118.64 n/a n/a 2,500.00 n/a n/a 800,000 Enquiry Fee 800,001 - Operating Below Minimum Balance 2,542.37 n/a n/a 3,000.00 n/a n/a 1,000,000 Current Per transac- 10,000 10 5 11,800 11.8 5.9 Account tion MNOs (Mpesa, TigoPesa Airtel Money and HaloMoney) • 1,000 - Breaking of Account Contracts 677.97 n/a n/a 800.00 n/a n/a 4,999 Up-lifting of Fixed • 5,000 - 50% of 50% of 50% of No No 1,271.19 n/a n/a 1,500.00 n/a n/a Deposit Per transac- No VAT on 9,999 accrued accrued accrued VAT on VAT on (FDR) & tion interest • 10,000 - interest interest interest interest interest 2,203.39 n/a n/a 2,600.00 n/a n/a Thamani 29,999 A/C • 30,001 - 50% of 59% of 59% of 2,966.10 n/a n/a 3,500.00 n/a n/a Up-lifting 50% of inter- 49,999 Per transac- interest interest interest of Malkia est paid Min. n/a n/a tion paid Min. paid min paid • 50,000 - Account 10,000 3,813.56 n/a n/a 4,500.00 n/a n/a 10 11,800 Min.12 99,999 USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR • 100,000 - Outward 5,084.75 n/a n/a 6,000.00 n/a n/a Equiv. 199,999 transfers Per transac- Equiv. USD Equiv. USD n/a 50 59 USD to other tion rate rate • 200,000 - rate 5,508.47 n/a n/a 6,500.00 n/a n/a countries 299,999 Cancella- Per cancel- • 300,000- n/a 50 Equiv. n/a 59 Equiv. 5,932.20 n/a n/a 7,000.00 n/a n/a tion of TT lation 399,999 Amend- • 400,000 - 6,355.93 n/a n/a 7,500.00 n/a n/a ments and 499,999 Per Amend- payment n/a 30 Equiv. n/a 35.4 Equiv. ment • 500,000 - status 7,203.39 n/a n/a 8,500.00 n/a n/a 699,999 Inquiries • 700,000 - Inward 8,050.85 n/a n/a 9,500.00 n/a n/a Foreign Per transac- 799,999 5,000 5 3 5,900 5.9 3.54 Funds tion • 800,000 - 8,898.31 n/a n/a 10,500.00 n/a n/a transfer 999,999 TemboCards • 1,000,000 – 10,169.49 n/a n/a 12,000.00 n/a n/a Card Issuance Fee 1,400,000 • 1,400,001 – Tembo 13,474.58 n/a n/a 15,900.00 n/a n/a 1,700,000 Card Per card 5000 Equiv. n/a 5,900 Equiv. n/a Fahari • 1,700,001 – 16,949.15 n/a n/a 20,000.00 n/a n/a 2,000,000 Master- Card/Visa Per card 5000 Equiv. n/a 5,900 Equiv. n/a Xpronet Per trans- Electron transfer to action (Bulk 1,017 n/a n/a 1,200 n/a n/a MNOs Payments) Tembo Card Visa Per card 5000 Equiv. n/a 5,900 Equiv. n/a 5,000 - Gold 1,271 n/a n/a 1,500 n/a n/a 10,000 Tembo- 10,001 - Card Visa/ 2,203 n/a n/a 2,600 n/a n/a Per card Free Free n/a Free Free n/a 30,000 Mastercard Platinum 30,001 - 2,966 n/a n/a 3,500 n/a n/a 100,000 Tembo- Card Visa 100,001 - 3,814 n/a n/a 4,500 n/a n/a Infinity/ Per card Free Free n/a Free Free n/a 200,000 Mastercard 200,001 - World 3,898 n/a n/a 4,600 n/a n/a 500,000 - TANAPA 500,001 - Per card 10,000 Equiv. n/a 11,800 n/a n/a 5,423 n/a n/a 6,399 n/a n/a cards 1,000,000 >1,000,000 10,000 n/a n/a 11,800 n/a n/a - Hospital Per card 2,034 n/a n/a 2,400 n/a n/a cards CRDB Per transac- Wakala 466 0.085 0.085 550 0.1 0.1 tion transfer -TRA Per card 10,000 n/a n/a 11,800 n/a n/a Per transac- Internet tion (Within 762 1.7 1.7 899 2.01 2.01 Banking CRDB) -SACCOS Per card Free n/a n/a Free n/a n/a

Pay on Annual Card fee Applica- 0.25% min 0.3% min Per transac- tion and 20,000 max n/a n/a 23,600 max n/a n/a Te m - tion identifica- 250,000 295,000 boCard Per card 11,864 free n/a 14,000 free n/a tion Fahari Inter-Bank (Outward Funds Transfer) Master- Card/Visa Per card 13,558.5 6 n/a 15,999 7.08 n/a Per transac- TISS 10,000 Equiv. n/a 11,800 Equiv. n/a Electron tion Tembo- Per transac- EFT 1,653 0.7 n/a 1,950 0.85 Free Card Visa Per card 25,000 12 n/a 29,500 14.16 n/a tion Gold Inter Bank (Inward transfer) Tembo- Per transac- Card Visa/ TISS Free Free n/a Free Free n/a Per card 50,000 25 n/a 59,000 29.5 n/a tion Mastercard Platinum Per transac- EFT 4000 n/a n/a 4,720 n/a n/a tion Tembo- Card Visa Mail 0.8% min 0.944% min Per transac- Infinity/ Per card 100,000 50 n/a 118,000 59 n/a transfer via 5,000 max n/a n/a 5,900 max n/a n/a tion Mastercard CAD 25,000 29,500 World Outward Foreign Funds Transfer Renewal of cards on expiry Within Te m - East Africa boCard Per card 5,000 2.5 n/a 5,900 2.95 n/a Com- Per transac- 10,000 N/A N/A 11,800 N/A N/A Fahari munity tion Countries Master- (TISS) Card/Visa Per card 9,999 5 n/a 11,799 5.9 n/a Electron "1. Applies only for East African Country resoective currency. Tembo- 2. The current operational countries are Kenya and Uganda. Before transfer of other East Africa Coun- Card Visa Per card 10,000 5 n/a 11,800 5.9 n/a tries get confirmation from International Payment Unit." Gold USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR Tembo- MT940 – Card Visa/ (Timely Per card 20,000 10 n/a 23,600 11.8 n/a Mastercard Statement Per state- 2,500 1 1 2,950 1.18 1.18 Platinum sent ment through Tembo- SWIFT) Card Visa Infinity/ Per card Free Free n/a Free Free n/a Bills payments Mastercard World Over the counter Per transac- 250 Equiv. Equiv. 295 Equiv. Equiv. (born by tion Replacement of cards merchant) Te m - Per transac- At ATM 200 Equiv. Equiv. 236 Equiv. Equiv. boCard Per card 5,000 2.5 n/a 5,900 2.95 n/a tion Fahari SimBank- Per transac- Free n/a n/a Free n/a n/a Master- ing tion Card/Visa Per card 19,999 10 n/a 23,600 11.8 n/a Electron Bills Payment to Dangote, CCM, , ERB, TCC, Sports and TLS Per Trans- Tembo- 702.54 n/a n/a 829.00 n/a n/a Card Visa Per card 20,000 10 n/a 23,600 11.8 n/a action Gold Internet Per transac- 500 0.25 0.25 590 0.3 0.3 Tembo- Banking tion Card Visa/ Per card 30,000 15 n/a 35,400 17.7 n/a Cash Mastercard deposit on Platinum schools ac- Per transac- counts not 1,000 Equiv. Equiv. 1,180 Equiv. Equiv. Tembo- tion Card Visa registered Infinity/ Per card 50,000 25 n/a 59,000 29.5 n/a for Bills Mastercard Payments World Salary Payment

PIN Gener- Manual Per creation 2,541.5 3 n/a 2,999 3.54 n/a ation Salary processing Per entry 3,000 0.75 0.75 3,540 2.0 1.2 (Branches Account Statements and DCO) Mini Salary statement Per State- payment 2,000 1 1 2,360 1.18 1.18 Over the ment over the Per entry 1,694 0.75 0.75 1,999 1.2 1.2 Counter Internet Banking Monthly statement Per State- Free Free Free Free Free Free Cash Counting/Deposit of small denominations for Current ment Account 1,000 Above 0.2% 0.24% min n/a n/a n/a n/a E-State- notes 1,000,000 min.2,000 2,360 Per month Free Free Free Free Free Free ment Above 0.2% 0.24% min 500 notes n/a n/a n/a n/a Adhoc 500,000 min.2,000 2,360 State- Per Month 1,694 10 10 1,999 11.8 11.8 ment - All Statement Above 0.2% 0.24% min Coins n/a n/a n/a n/a Accounts 100,000 min.2,000 2,360 Internet Per State- Free Free Free Free Free Free USD small Banking ment $1, 5,10 and denomina- n/a 5% n/a n/a 5.9% n/a Per State- 20 ATM 253 Free n/a 299 Free Free tions ment Information Search Per State- SimBank- ment (Mini 250 n/a n/a 295 n/a n/a ing For infor- Statement) mation up Per docu- 50,000 30 Equiv. 59,000 35.4 Equiv. Per Statement [Full Statement] to 12 past ment months 1 Month 508.47 n/a n/a 600.00 n/a n/a For infor- Up to 2 mation of Per docu- 847.46 n/a n/a 1,000.00 n/a n/a 80,000 40 Equiv. 94,400 47.2 Equiv. Months 1 to 5 past ment Up to 3 years 1,186.44 n/a n/a 1,400.00 n/a n/a Months For infor- Up to 6 mation of Per docu- 1,440.68 n/a n/a 1,700.00 n/a n/a 100,000 60 Equiv. 118,000 70.8 Equiv. Months above 5 ment past years Up to 9 1,694.92 n/a n/a 2,000.00 n/a n/a Months CCTV image Per docu- Up to 12 retrieve for 100,000 n/a n/a 118,000 n/a n/a 2,118.64 n/a n/a 2,500.00 n/a n/a ment Months ATM per trans. CRDB Wakala Per State- Standing Order 339 0.45 n/a 400 0.53 n/a (Mini state- ment Within ment) Per transac- CRDB Free Free Free Free Free Free tion Bank to other Per transac- 15,000 15 10 17,700 17.7 11.8 Bank tion USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR USD 1,001 – Equiva- Unpaid Equivalent 20 Equiv. Equiv. 23.6 standing 2,250 lent order Per transac- USD 2,251 - Equiva- (excluding Free 25 15 Free 29.5 17.7 Equivalent 30 Equiv. Equiv. 35.4 tion 5,000 lent those of Above USD Equiva- personal Equivalent 1.50% Equiv. Equiv. 1.77% loan) 5,000 lent Amend- Per transac- Equiv. Below USD Equiva- Free 4 Equiv. USD Free 4.72 Deposit Equivalent 2 Equiv-alent Equiv. 2.36 ment tion USD 50 lent USD 50 – Equiva- Sweeping Per sweep 100,000 n/a n/a 118,000 n/a n/a Equivalent 5 Equiv-alent Equiv. 5.9 1,000 lent Mobile Top-up USD 1,001 – Equiva- Equivalent 10 Equiv-alent Equiv-alent 11.8 SimBank- Per transac- 2,250 lent Free n/a n/a Free n/a n/a ing tion USD 2,251 - Equiva- Equivalent 15 Equiv-alent Equiv-alent 17.7 Internet Per transac- 5,000 lent Free n/a n/a Free n/a n/a Banking tion Above USD Equiva- Equivalent 20 Equiv-alent Equiv-alent 23.6 Introduction Letters and Certificate of Balance 5,000 lent 0.2% Certificate Cheque 0.24% Equiva- Per item 50,000 30 30 59,000 35.4 35.4 Equivalent Mini- Equiv-alent Equiv-alent of Balance Deposit min 5.9 lent mum 5 Status Per report 50,000 30 25 59,000 35.4 29.5 Report LOANS AND ADVANCES "0.5% “0.59% Visa Loan Ap- TZS TZS SME - up to Min.100,000 TZS Equiv- Min. 118,000 Equiva- Recomme- Per item 50,000 30 25 59,000 35.4 29.5 plication Equiv- equiva- 100Mn. No maxi- alent No maxi- lent ndation Fee alent lent mum " mum” Any other "0.5% Min. “0.59% introduc- Per item 50,000 30 25 59,000 35.4 29.5 TZS TZS (collected SME - 1,000,000 TZS Equiv- Min. 118,000 Equiva- Equiv- equiva- tion upfront) 100Mnn<1Bn. Max. alent Max lent alent lent Confir- 5,000,000" 5,900,000" mation of "0.5% TZS "0.59% SME - TZS Equiv- Equiva- Equiva- customer’s Max. Equiv- Max. 1Bn<2Bn. alent lent lent Bank 8,000,000" alent 9,440,000" statement Per item 50,000 30 25 59,000 35.4 29.5 "0.5% TZS "0.59% TZS requested TZS Equiv- Equiva- Corporate Max. Equiv- Max. equiva- by other alent lent banks 20,000,000" alent 23,600,000" lent (born by “0.59% " 0.30% 0.5% Min. 0.25% customer) Min. 118,000 Min 59 Jijenge 100,000 Max min.50 n/a n/a Max. Max Postage and Courier Charges 1,000,000 Max 500 1,180,000 590 " Local Per item 20,000 10 10 23,600 11.8 11.8 (i) Personal 1.5% on 1.5% on 1.5% on 1.77% on 1.77% on 1.77% on postage Facility loan - First whole whole whole whole whole whole Fee Actusl+ Actusl application amount amount amount amount amount amount Interna- equivalent USD equivalent +USD equiva- tional Per item Equiv. (ii) Personal 1.5% on 1.5% on 1.5% on 1.77% on 1.77% on 1.77% on USD 5 per USD 5.9 per lent postage loan Refi- whole whole whole whole whole whole delivery delivery nancing amount amount amount amount amount amount Tanzanite For (i) and (ii) above, don’t charge in addition Application fee and any other documenta- Account Equivalent Equiv. USD Equiva- Per account 100 Equiv. 118 tion fees). Start- USD Rate Rate lent "1.5% Min. er-Pack SME loans "1.5% 1.5% min. 150,000 1.77% min 1.77% 1.77% Merchant - First min. 100 100 No 2.97% 3.5% No Maxi- 177,000 min 118 min 118 Service 2.97% 2.97% 3.5% 3.5% ne- application No Max" Max Per transac- nego- nego- mum" Commis- negotiable negotiable negotiable gotiable tion tiable to tiable to sion (MSC) to 1.53% to 1.53% to 1.8% to 1.8% "Agribusi- 1.53% 1.8% - POS ness loan Fee - (Ap- Merchant plication & Service Facility fee) Commis- Per transac- 1.67%- Loan up to 1.67%-1.27% 1.67%-1.27% 2%-1.5% 2%-1.5% 2% -1.5% sion (MSC) tion 1.27% TZS 10 Mn, 1.77% - QR cashewnuts/ 1.5% of loan of loan CODE paddy loans amount, Min n/a n/a amount, n/a n/a appraised in E-commerce 150,000. Min bulk groups) 177,000. Per transac- Equiva- Set up fee Equiv. 30 Equiv. Equiv. 35.4 tion lent Note: For loan >TZS Merchant 10 Mn. Apply Service Per transac- 3.39% - 3.39% - 4%- Normal SME Com- 3.39% - 2.12% 4%-2.5% 4%-2.5% tion 2.12% 2.12% 2.5% rates and mission charges" (MSC) No any ad- "Dispute ditional fee settlement should be (claim for Actual Actual Actual Actual Actual Actual charged for unautho- Per dispute amount amount amount amount amount amount this nature of rized card loans. transac- tion)" SME loans - Renewal 1% min. 1.18% 1.18% / cross Border Transactions 1. Same 1% min 1.18% min 125 No 1% min. 125. min min limit and En- 200,000 No 236,000 no Withd- Below USD Equiva- maxi- No Max 147.5 no 147.5 no Equivalent 5 Equiv. Equiv. 5.9 hancement maximum max rawal 50 lent mum max max USD 50 – Equiva- 2. Cash Equivalent 10 Equiv. Equiv. 11.8 0.42% Free Free 0.50% Free Free 1,000 lent Secured USD / USD / Transaction Descriptions TZS USD /EUR GBP TZS GBP Transaction Descriptions TZS USD /EUR GBP TZS GBP EUR EUR 3. Restruc- Engross- 0.50% 0.50% 0.50% 0.59% 0.59% 0.59% turing ment fee 1) Transfer Equiva- Equiva- Equiva- i.r.o. Spec- under Power 500,000 Equivalent 590,000 Corporate lent lent lent ified Legal of sale 1. Cash 0.42% Free Free 0.50% Free Free document Secured 2) Ap- 2. Secured plication by other for Legal 50,000 50 50 59,000 59 59 legal mort- Personal gage Representa- 2.1. New 1.50% 1.50% 1.50% 1.77% 1.77% 1.77% tive Form 2.2. Renewal 1.25% 1.25% 1.25% 1.48% 1.48% 1.48% 3) Assent to Bequest 2.3. Restruc- 0.50% 0.50% 0.50% 0.59% 0.59% 0.59% of a Right of 50,000 50 50 59,000 59 59 turing Occupancy 2.4. Enhanc- Form 1.25% 1.25% 1.25% 1.48% 1.48% 1.48% ing 4) Assign- ment of a 2.5. Restruc- 50,000 50 50 59,000 59 59 turing of Mortgage/ 0.125% x No Overdraft Right of of months and Equiva- the facility Equiv. Equiv. 0.15% Equiv. Occupancy Temporary lent has been Form Overdraft extended 5) Lien Free Free Free Free Free Free initiated by a customer 6) Fee for Discharge Jijenge of Security 0.5% 0.59% Documents 1% min. TZS 1.18% min min. USD min USD 100,000 118,000 a) Normal 100 Max. n/a 118 max n/a max. max discharge of Free Free Free Free Free Free USD USD 1,000,000 1,180,000 documents 1,000 1,180 b) Demand to release 500,000 400 400 590,000 472 472 Commit- security to Equiva- ment Fee Term Loan 0.50% Equiv. Equiv. 0.59% Equiv. other banks lent on 7) Excess Corporate Undrawn over 3% Loan of amount as limit and 3% above 3% above above 3.54% 3.54% 3.54% amount per drawn unpaid loan limit limit limit > TZS down instalments 3Billion schedule penalty Overdraft Equiva- "Docu- 0.50% Equiv. Equiv. 0.59% Equiv. (OD) lent ment Reg- istration If the (BRELA/ amount Registrar utilization is of Coop- below 50%of erative the limit. Societies 0.25% Min. 0.295% Min. & Land Equiva- Equiva- Equiva- Reappraisal 250,000 295,000 Equiva- Per Registry 295,000 Equiv-alent 295,000 Equiv. Equiv. Equiv. Registry) lent lent lent fee Max. Max. lent This fee 300,000 354,000 excludes If the loan applicable Agreement Govern- is not ment signed after Fees and 6months Charges " Document and Legal Charges Take-over 5% of 5.9% of the 300,000 per 354,000 of Loan Personal outstanding Equiva- outstanding Equiva- Equiva- Personal Chattel document Equiva- Equiv-alent Equiv. Equiv. Max. Equiv. by other Loan balance Min. lent balance min lent lent loan Mortgage Max. lent 708,000 banks. 500,000 590,000 600,000 Penalty Penalty Penalty up "Legal Doc- up to 3 up to 3 umen-tation Jijenge to 3 months 1% Min. 1.18% Min. months months fee. interest 150,000 177,000 Equiva- interest interest SMEs (Loan Equiv. Equiv. Equiv. Maximum Maximum lent Jijenge amount 1) Legal 3,000,000 3,540,000 Documen- 100,000 100 n/a 118,000 118 n/a up to TZ 2 Mortgage Billion)" tations 2) Facility Loan 100,000 100 n/a 118,000 118 n/a amount 500 per 500 per Letter Corporate 500,000 590,000 590 590 Above TZS doc. doc. 3) Letter Free Free n/a Free Free n/a 2Bn. of Lien 1) Share- holders Loan Other Doc- 0.25% Subor- 200,000 200 200 236,000 236 236 Registra- 0.3% uments Min. di-nation tion of min 1,180 Per register Equivalent 1,000 Equiv-alent Equivalent Equiv. Agreement Foreign max Max. Debt 11,800 2) Share 10,000 Pledge 150,000 150 150 177,000 177 177 Agreement Treasury Bills & Bonds Handling Per transac- 0.05% Min 0.06% min 3) Promis- 0.2% Min. 0.2% Min. 0.2% Min. 0.24% min 0.24% 0.24% n/a n/a n/a n/a fee tion 10,000 11,800 sory note 100,000 100 100 118,000 min 118 min 118 PRODUCT FEE DESCRIPTION RATE/CHARGE AUTOMATION VAT Inclusive EXPORTS L/C'S

Clean Payment for Collection Advising Com- USD 100.00 AUTO 118 mission - Account 1) Clean holder Collections (Clean Advising Commis- USD 200.00 AUTO 236 bills, drafts 0.25% 0.3% Equiv- sion - Non account Equivalent cheques & Per transac- Min. 100 min 118 alent holder N/A to USD N/A promisory tion Max. max to USD rate General amend- USD 75.00 AUTO 88.5 notes 250 295 rate ment - Account sent for holder collection General amend- USD 100.00 AUTO 118 (OFBC) ment - Non account 2) Inward Clean Collection holder a) Confirmation 0.5% p.q. min. USD AUTO 0.59% p.q. min. 0.25% 0.3% Equiv- Drawn Equivalent Commission. 500.00 USD 590 Per transac- min. 50, min 50 alent by CRDB NA to USD NA Extension/Increase 0.25% p.m. min.USD AUTO 0.3% p.m. min. tion Max. max to USD Bank’s rate amount on con- 250.00 USD 295 250 296 rate Customer firmed LC b) Drawn Equiv- Postage of docu- USD 100.00 AUTO 118 0.35% Equivalent 0.41% by CRDB Per transac- alent ments NA Min. 20 to USD NA min23.6 non Cus- tion to USD Payment fee on 0.25% min USD AUTO 0.3% min USD 59 Max. 50 rate max 59 tomer rate Export documents 50.00 under LC 3) Unpaid cheque, Draft, Bills of Exchange Cable/Follow up/ USD 20.00 AUTO 23.6 Equiv- Equivalent claim telexes a. Commis- Per docu- Equiva- alent Equivalent to 35 to USD 41.3 sion ment lent to to USD EXPORT Payment fee 0.25% min USD AUTO 0.30% min USD 59 rate DOCUMENTARY 50.00 rate COLLECTIONS Equiv- b. Postage Equivalent Handling Com- USD 100.00 AUTO 118 Per docu- alent /Currier Equivalent 70 to USD Equivalent 82.6 mission ment to USD Charges rate rate Postage of Docu- USD 100.00 AUTO 118 ments TRADE FINANCE RATES Cable/Follow up/ USD 20.00 AUTO 23.6 claim telexes PRODUCT FEE DESCRIPTION RATE/CHARGE AUTOMATION VAT Inclusive Inquiry USD 20.00 AUTO 23.6 IMPORT L/C'S On opening - Issu- 1.0% P.Q. 1st qrt AUTO 1.18% P.Q. 1st qrt ance Commission and 0.25% for sub- and 0.3% for sub- Discounting Applicable Lending AUTO Applicable Lending sequent months, sequent months, rate rate minimum USD minimum USD 236 Negotiation fee 0.5% min USD AUTO 0.59% min USD 59 200.00 50.00 Acceptance 0.5% P.Q AUTO 0.59% PQ EXPORT RECEIVABLES DISCOUNTING Discrepancy fee USD 150.00 AUTO 177 Commission 0.25% min USD AUTO 0.3% min USD 59 Documents pro- USD 100.00 AUTO 118 50.00 cessing fee Interest Applicable lending AUTO AMENDMENTS AMENDMENTS rate General Amend- USD 100.00 AUTO 118 1. Issuance Com ments -(Security, Custom Extension validity 0.25% per month or AUTO 0.3% per month Bond, Pyt part thereof min $ or part thereof Immigration bonds, 1% p.q. min. USD AUTO 1.18% p.q. min. 100.00 min $ 118 performance Bond) 200.00 USD 236 Increase Amount 1.0% P.Q. 1st qrt and AUTO 1.18% P.Q. 1st qrt 0.25% for subse- and 0.3% for sub- 2. Shipping 1% min. USD AUTO 1.18% min. USD 295 quent months, Min sequent months, guarantees (against 250.00 $ 100.00 (on amt minimum USD 118 our LC) increased) EXPORT RECEIVABLES DISCOUNTING Cancellation fee USD 100.00 AUTO 118 3. Other Shipping 1% p.q min. USD AUTO 1.18% min USD 590 IMPORT DOCUMENTARY COLLECTIONS guarantees 500.00 4. Amendment for 1% p.q. min. USD AUTO 1.18% p.q. min. Processing fee USD 100.00 AUTO 118 Amount/Validity 200.00 USD 236 Payment/Trans- 0.25% min 50.00 AUTO 0.30% min 59.00 5. Currier Charges USD 50 local & USD AUTO USD 59 Local & fer fee 100 International USD 118 Interna- Avalization 0.5% p.q. or part AUTO 0.59% min 118 tional thereof, Min USD 6. Advising com- AUTO 100 mission without Acceptance of Bills USD 100.00 AUTO 118 commitment: Monthly fee after USD 100 p.m. AUTO 118 6.1. Customer USD 200.00 AUTO 236 due date per bill 6.2. Non-cus- USD 250 AUTO 295 tomer Amendment USD 50.00 AUTO 59 7. Inward issuance/ 0.25% min. USD AUTO 0.3% min. USD 295 Postage of docu- USD 50.00 AUTO 59 confirming letter 250 ments - Upcountry of Guarantee, Bid/ performance Returned/unac- USD 100.00 AUTO 118 Bond, and advance cepted documents payments on (comm. + Currier) behalf of foreign Inquiry USD 20 per inquiry AUTO 23.6 bank and Financial Institutions. Delivery of USD 200 AUTO 236 documents to Non CRDB customer EXCEPTIONAL CURRENCIES VAT Inclusive

Item DKK ZAR SEK

Cash Deposit Free Free Free

Maintenance/Monthly Fee 71 71 71

Balance Enquiry Free Free Free

Statements 12 12 12 Information Search Equivalent to USD rate Equivalent to USD rate Equivalent to USD rate

Foreign Funds Transfer Apply USD rate Apply USD rate Apply USD rate

Bills Clean for Collection (BN) Apply USD rate Apply USD rate Apply USD rate SAFE LOCKERS

LOCKER SIZE Modality of Charge Charge Charge VAT inclussive

Small Locker Boxes Per month 33,898 40,000.00

Medium Locker Boxes Per month 63,559 75,000.00

Large Locker Boxes Per month 84,746 100,000.00

* The service is available at Viva Tower Premier Club.

SECURITIES SERVICES FEE STRUCTURE

CUSTODIAL SERVICES FEES

FEE DESCRIPTION VAT INCLUSIVE RATE (TZS/USD)

Custody/Safe keeping Charges • 0.1%–0.5% p.a of the total assets under management for both foreign- ers and locals.

• Institutional minimum fee – TZS 5,000,000 or $2500

• Individual minimum fee – TZS 500,000 or $250

IPO MANAGEMENT CHARGES

Fixed Administration Fee • 0.1%–0.5% of offer amount

• Minimum fee of TZS 50,000,000

Success Fee • 1.5%–2% of total collection

BROKERAGE AGENCY

Commission • 60% of traded amount (brokerage fees)

TRANSACTION FEE

DSE Commission • 0.15% of debit transaction amount

• Minimum – TZS 2,500

• Maximum – TZS 250,000

Government Securities com- • 30,000 TZS for Face value ranging from TZS 500,000–50,000,000 mission

• TZS 50,000 for Face value ranging from TZS 51,000,000 and above.

Outward Transfer • Local Tiss – TZS 11,800

• Swift (Foreign transfer) - $59

SPECIAL DESKS (VAT Inclusive)

CHINA DESK TZS USD

Transfer of RMB to CHINA by China Desk Per transfer Equivalent 41.3 customers

INDIA DESK

Transfer to INDIA by India Desk customers

Personal/Individual Customers Per transfer Equivalent 8.26

Non-Individual Customers Per transfer Equivalent 35.4