BANK OF Plot 37/45 ROAD P.O. BOX 7120 KAMPALA. Telephone: 256-41-258441/6 or 258061/6, Telex: 61069/61244; Fax: 256-41-233818 Website: www.bou.or.ug e-mail address: [email protected] MICROFINANCE DEPOSIT - TAKING INSTITUTIONS (MDIs) CHARGES AS AT SEPTEMBER 30, 2020 Bank of Uganda regularly publishes these Financial Institution charges in the local press to promote transparency and enhance competition in the provision of financial services to the public. Customers who are charged differently from what is published are advised to report to Bank of Uganda. Amounts are in Uganda Shillings and attract 15% excise duty unless otherwise stated.

FINCA PRIDE UGAFODE EFC SAVINGS ACCOUNTS Initial deposit N/A Individuals - Shs.10,000 Junior Savings Account - Shs.10,000; Ordinary Savings Account - Shs.10,000; N/A Institutions - Shs.50,000 Group Save Account - Shs.10,000; Target Savers Account - Shs.10,000; Institutional Savings Account - Shs.50,000; Fixed deposit Account - Shs.100,000 Minimum Balance a) FINCA Easy, FINCA Target, FINCA Junior and Shs.5,000 Junior Savings Account - Shs.10,000; Group Save Account - Shs.10,000 Shs.20,000 FINCA Smart Start Accounts - Shs.10,000 Ordinary Savings Account - Shs.10,000; Institutional Savings Account - Shs.50,000 b) FINCA Group and Corporate Accounts - Sh.50,000 Target Savers Account - Shs.100,000 (To earn interest) Opening fee N/A N/A N/A N/A Penalty below min 10,000+15% excise duty Shs.1,000 for Akiba and Smart Savings Accounts Shs.5,000 for Target Savers Account early retirement. Nil for other accounts. N/A Savings Insurance N/A N/A N/A N/A Ledger fees per entry N/A N/A Nil Free Account Management/Service fee a) FINCA Target and Group Accounts - Shs.1,000 1) PRIDE Akiba and Smart Accounts - Shs.2,000 for Individuals and Shs.3,000 for Institutions (+15% excise duty) Nil for Group Save and Junior Savings Accounts. Shs.1,150 per month for other Shs.3,000 + 15% excise duty b) FINCA Corporate & School Fess Collection Accounts inclusive of 15% excise duty. Accounts - Shs.10,000 2) PRIDE Rising Stars, Save for a Target (SFT) and Save as You Earn (SAYE) - Free c) FINCA Junior - N/A, All the charges are subject to 15% excise duty d) FINCA Easy - Shs.2,000 e) FINCA Smart Start Savers - Shs.500 All the charges are subject to 15% excise duty Statement Free Monthly Statement Shs.1,000 per page (+15% excise duty) 1 free monthly statement. Shs.5,000 + 15% excise duty Interim statement/additional statement Shs.1,000 per page + 15% excise duty N/A N/A Free Duplicate statement Shs.1,000 per page + 15% excise duty N/A Shs.1,150 per page inclusive of 15% excise duty. Free Drawings/Withdrawals a) FINCA Target - Shs.5,000 + 15% excise duty for 1) PRIDE Akiba - Two free withdrawals per month, otherwise charged as per tiers in 4) for each extra withdrawal. Institutional Savings & Junior Savings Accounts - 1 free withdrawal per month and Free more than one withdrawal a week. 2) PRIDE Smart - charged as per tiers in 4) for each withdrawal and an additional transaction charge of Shs.400 for account balance below thereafter Shs.575 per witdrawal inclusive of 15% excise duty. b) FINCA Junior - Shs.5,000 + 15% excise duty for Shs.50,000; 3) PRIDE Rising Stars - One free withdrawal per month, otherwise Shs.1,000 for each extra withdrawal Target Saving Account, Group Saving Account, Ordinary Savings Account and Fixed more than one withdrawal a month. 4) Other charges (Tiers) per withdrawal: a) Shs.1,000 for amounts ≤ Shs.500,000 at the counter for branches with ATM; b) Shs.500 for amounts deposit Account - Nil ≤ Shs.500,000 at the counter for branches without ATM; c) Shs.1,000 for amounts of Shs.500,001 - Shs.1,000,000; d) Shs.2,000 for amounts of Shs.1,000,001 - Shs.4,000,000; e) Shs.3,000 for amounts ≥ Shs.4,000,001; f) Shs.500 for amounts ≤ 500,000 at the ATM. Withdrawal without passbook/card N/A N/A N/A N/A Interbranch charges Nil N/A N/A N/A Cash deposit charge N/A Free Nil Free Savings card/Passbook cost N/A Shs.3,000 Shs.2,000 Shs.10,000 + 15% excise duty Passbook/ Card replacement N/A N/A Shs.2,000 Shs.10,000 + 15% excise duty Savings withdrawal books N/A Shs.5,000 Shs.2,000 for 25 leaflets and Shs.4,000 for 50 leaflets. N/A Closing account a) FINCA Smart Start, FINCA Easy, FINCA Target, Shs.10,000 (+15% excise duty) Nil Shs.10,000 + 15% excise duty FINCA Junior, FINCA Corporate & FINCA Group Accounts - Shs.5,000 + 15% excise duty. b) FINCA Fixed accounts - No charge. Dormant/Inactive Accounts N/A N/A N/A N/A Dormant Account reactivation Shs.10,000 + 15% excise duty Shs.6,000 Nil Free Cheques collection Shs.5,000 + 15% excise duty Shs.4,000 for Kampala Branches (+15% excise duty) Shs.5,000 for Kampala N/A Upcountry cheques collection N/A Shs.6,000 (+15% excise duty) Shs.5,000 N/A Returned cheque-Insufficient funds Shs.10,000 + 15% excise duty N/A Shs.30,000 N/A Returned cheque-Effects not cleared Shs.10,000 + 15% excise duty N/A Shs.30,000 N/A Returned cheque-Technical Shs.10,000 + 15% excise duty N/A N/A N/A Returned cheque by other banks Shs.10,000 + 15% excise duty N/A Shs.30,000 N/A RTGS charges Shs.25,000 + 15% excise duty Shs.15,000 (+15% excise duty) Shs.23,000 inclusive of 15% excise duty N/A EFT charges Outgoing/Incoming Shs.5,000 + 15% excise duty Outgoing - Shs.5,000 (+15% excise duty) Outgoing-Shs.5,000 N/A Incoming - N/A Incoming-Shs.3,450 inclusive of 15% excise duty Stop Payment orders Shs.10,000 + 15% excise duty N/A Shs.10,000 N/A Standing orders (within MDI) N/A N/A Shs.5,000 N/A Standing orders (to other Financial Institutions) N/A N/A Shs.10,000 N/A Certificate of balance Shs.5,000 + 15% excise duty N/A Shs.5,000 N/A Salary handling Shs.2,000 + 15% excise duty Shs.2,000 (+15% excise duty) Shs.2,000 N/A School fees collection Shs.2,000 + 15% excise duty Shs.2,000 (+15% excise duty) Shs.1,150 inclusive of 15% excise duty. N/A URA collection N/A N/A N/A N/A Safe custody charges N/A N/A N/A N/A SMS alerts/Mobile Banking Charges SMS Alerts Charges a) Balance enquiry - Shs.200; b) Mini statement - Shs.300; c) Internal Funds Transfer - Shs.300; a) Mobile Banking (UGAFODE MOBILE) Withdrawals per Transaction - Shs.805 N/A a) 1 - 5 SMS - Shs.500, d) Airtime purchase - Shs.300; e) Utilities - Shs.1,000; f) Push transcations - Free; (inclusive of 15% excise duty) for transactions between Shs.500 to Shs.500,000 b) 6 - 10 SMS - Shs.1,000, g) Bank to wallet transactions: Pull transactions: a) Shs.5,000 - Shs.250,000: Shs.1,000 b) Shs.250,001 - Shs.500,000: Shs.1,500 , Shs.500,001 - b) Mobile Banking Deposits (UGAFODE MOBILE) - Nil c) 11-15 SMS - Shs.1,500, Shs.1,000,000: Shs.2,000 c) Transactional SMS Alerts (with an option to Opt Out) - Shs.575 per month inclusive d) 16-20 SMS - Shs.2,000, h) Transactional SMS monthly charge: i) 0-5 SMS - Shs.500 ii) 6 - 10 SMS - Shs.1,000 iii) 11-15 SMS - Shs.1,500 iv) 16-20 SMS - Shs.2,000 of 15% excise duty e) Above 20 SMS - Shs.15,000 v) Unlimited-Shs.15,000. All charges are subject to 15% excise duty LOAN RELATED CHARGES Advance application fee Shs.10,000 only for Individual loans Loan application fees - 3% of loan amount. a) Loans of Shs.30m & above - Shs.50,000; b) Loans of Shs.10m to below N/A Shs.30m - Shs.20,000; c) Loans of Shs.100,000 to Shs.9.9m - Shs.10,000 for group loans and Shs.20,000 for individual loans Advance commitment fee N/A N/A 3% of loan amount for all loans of Shs.30m and above. N/A 2.5% of loan amount for all loans below Shs.30m Arrangement fees N/A N/A Nil Maximum of 2.5% of the Loan Amount Advance processing/admin fee 1% for Group Loans, 3% for Individual Loans & 1% N/A N/A N/A for Salary and Energy Loans. Monitoring fee N/A N/A Nil N/A Assessment costs/other loan related charges N/A N/A N/A N/A Insurance fee 0.6% of the Loan Amount 1% of loan amount 0.55% 0.5% - 1.12% of the Loan Amount Interest Rates a) Group Loans - 5.73% p.m. Community banking loan: a) Shs.10m; 19.5%p.a. b) Agriculture Group Loans - 51.44% p.a 4.5% p.m) B u s i n e s s l o a n s : a ) ≤ S h s . 1 0 m ; 2 6 % p . a . b ) > S h s . 1 0 m - S h s . 3 0 m ; 2 0 % p . a . c ) a b o v e S h s . 3 0 m ; 3 1 % p . a . o n a r e d u c i n g b a l a n c e c) Agriculture Individual Loans - 48.22% p.a All the above are on declining balance basis. Pride housing loans: a) ≤ Shs.10m; 26% p.a. b) >Shs.10m - Shs.30m; 20% p.a. c) Loans above Shs.30m; 31% p.a on reducing balance d) Quarterly Agriculture Loans - 51.44% p.a School fees loans - ≤ Shs.3m only; 26% p.a. e) Housing Loans - 51.44 p.a Mortgage & Asset Financing loan: a) ≤ Shs.10m; 26%pa b) >Shs.10m - Shs.30m; 20%p.a c) above Shs.30m; 31%p.a on a reducing balance f) Personal Development Loans - 51.44% p.a Agricultural loans-Primary Production: ≤Shs.10m; 24% p.a. for Loans secured by Kibanja - 44% p.a Agricultural loans-Other Value Chain: ≤Shs.10m; 26% p.a. All interest rate are on reducing balance Other Agricultural loans: a) above Shs.10m ≤ Shs.30m; 20% p.a, b) above Shs.30m; 31% p.a on reducing balnce c) above Shs.30m with grace period; 20% p.a. Clean energy: ≤ Shs.30m; 21% p.a. Other loan related charges a) Mortgage registration fees - Shs.297,100 plus a) Caveat fees: -1% of loan being stamp duty a) Caveat fees on pledged car log books-Shs.173,000 plus 1% of loan amount 1) Legal fees on loans - 0.5% of the loan amount - Shs,50,000 for caveat registration b) Mortgage registration fees-Shs.230,000 plus 0.5% of loan amount a) Shs.1m - Shs.15m; Max. 3.5% b) Search fees: Logbooks - Shs.54,000, Land titles - Shs.15,000 for stamp duty on the caveat letter c) Company search- Shs.60,000 b) Above Shs.15m - Shs.30m; Max. 2.5% - Shs.86,000 b) Mortgage: - 0.5% of loan amount for stamp duty. c) Above Shs.30m - Shs.90m; Max. 1.5% c) Caveating fees: Logbooks - Shs.120,000 plus 1% - Shs.17,300 for mortgage registration at any land registry 2) Registration fees - Max. of 1% of loan of loan amount, Land titles - Shs.250,000. - Shs.30,000 stamp duty for 2 extra copies of legal mortgage amount plus caveat fees of Shs.236,000 for d) Company search - 40,000. c) Land Search - Shs.12,300 per letter. motor vehicles and Shs.472,000 for land e) Registration of debentures and charge - 250,000. d) Company search- Shs.27,300 valuations and Shs.40,000 for registering a f) Mortgage Variation Deeds - Shs.234,600 inclusive e) M/Vehicle search: Shs.62,500 per log book. statutory declaration on Kibanja of stamp duty for 2 copies f) Debenture: Shs.30,000 being stamp duty for 2 extra copies of debenture deed, Shs.52,300 for debenture certificate and Shs.22,300 for Form 4. Stamp duty a) Shs.15,000 for loans above Shs.3m. 0.5% on all loan amounts above Shs.3m except for clients pledging motor vehicles and land titles Nil In accordance with Stamps Act and its b) Nil for loans below Shs.3m. amendments. Cooling off fee 5% of the loan amount 2% of the outstanding loan amount for loans above Shs.3m with a term greater than 12 months. 5% of principal loan amount Nil Late payment penalty 0.1% per day on the loan installment plus the daily 0.5% of the outstanding installment amount in arrears per day 1% of amount in arrears per week 0.5% per day on the loan installment in interest arrears Loan Insurance Fund N/A a) 20% of the loan amount for loans up to Shs.10m; b) 10% of the loan amount for loans above Shs.10m 3.5% p.a N/A Penalty fees for early repayment 10% of outstanding balance N/A N/A N/A Credit Reference Bureau Charges Financial card: Financial Card Issue: Shs.30,000 for all loan amounts. a) Financial card processing - Shs.31,000 a) Financial card Issue - Shs.30,000 a) Borrowers of any amount - Shs.30,000 Credit Bureau Inquiry (Compuscan): b) CRB inquiry for loans of Shs.500,000 and below - Nil b) Financial card replacement - Shs.30,000 b) Corporates - Shs.60,000 a) Loan amount ≤Shs.250,000 - Shs.7,000 c) CRB inquiry for loans above Shs. 500,000 and non clients - Shs.11,000. c) Credit Reference Report - Shs.15,000 c) Replacement of card - Shs.30,000 b) Loan amount >Shs.250,000 - Shs.9,000 Enquiry fees: Shs.17,000 for all Loans Credit Bureau Inquiry (Metropol)-Shs.7,100 for all loan amounts ATM TRANSACTIONS ATM Card 1st issue fee N/A N/A N/A N/A Issue of ATM Card Shs.5,000 Shs.7,000 N/A N/A Uncollected Cards Destroyed N/A N/A N/A N/A Replacement ATM Card (faulty) Shs.5,000 Shs.10,000 N/A N/A Replacement ATM Card(Lost) Shs.5,000 Shs.10,000 N/A N/A ATM Withdrawals Shs.1,300 + 15% excise duty Shs.500 (+15% excise duty) N/A N/A ATM Deposits N/A Free N/A N/A ATM mini statement Shs.500 + 15%excise duty Shs.300 (+15% excise duty) N/A N/A ATM Balance inquiry Shs.500 + 15%excise duty Shs.200 (+15% excise duty) N/A N/A ATM PIN reset N/A Shs.3,000 (+15% excise duty) N/A N/A Account Management fee N/A N/A N/A N/A Funds transfer N/A Free internal funds transfer N/A N/A INTEREST ON ACCOUNT DEPOSITS Savings Deposit a) FINCA Target Account - 4% PRIDE Akiba: 1) Shs.50,000 to 149,999; 1% p.a 2) Shs.150,000 to 499,999; 1.5% p.a 3) Shs.500,000 and above; 2.5% p.a Junior Savings Account - 5% p.a 0% - 6.92% p.a subject to change on a b) Corporate Account - 3% PRIDE Smart: Shs.150,000 and above; 2% p.a Ordinary Savings Account - 3.5% p.a monthly basis as per T-Bill movement c) Smart Start & Junior Accounts - 1% PRIDE Rising Stars: 1) Shs.50,000 to 149,999; 1%p.a 2)Shs.150,000 to 499,999; 1.5% p.a 3) Shs.500,000 and above; 2.5%p.a Group Save Account - 7% p.a d) FINCA Easy & Group Savings Accounts - 3% Save As You Earn (SAYE): Min. monthly contribution of Shs.50,000 and above; 7% p.a Target Savers Account - 8% p.a Save for Target (SFT): Minimum target amount of Shs.50,000 and above; 4% p.a Institutional Accounts- 3.5% p.a Fixed Deposit Minimum of 6%; Maximum - Negotiable. (3% for a) Benchmarked against TB rate and depend on amount & period of fixing. As at September 30, 2020, lowest rate was 3% and highest rate was Fixed deposits - Negotiable but ranging from 7% a) 6.92% - 15.2% p.a. subject to change on a Fixed Deposit Early Termination charge on interest 14.08%. monthly basis as per T-Bill movement earned). b) FDs in MECs - 4% regardless of amount b) Penalty on early withdrawal - 50% off earned interest BANK OF UGANDA 37 - 45 KAMPALA ROAD P.O. BOX 7120 KAMPALA. Telephone: 256-41-258441/6 or 258061/6, Telex: 61069/61244; Fax:256-41-233818 Web site: www.bou.or.ug; E-mail address: [email protected] CREDIT INSTITUTIONS CHARGES AS AT 30 SEPTEMBER 2020 Bank of Uganda is publishing these Financial Institution Charges to promote transparency and enhance competition in the provision of financial services to the public. These charges will be published regularly in the press. Financial Institution customers who are being charged differently from what is published are advised to report ot Bank of Uganda. Amounts are in Uganda Shillings unless otherwise stated.

Key: N/A - Not Applicable; A/C - Account

(a) Guarantees i) Bid securities- 2.5% Upfront fees Min Shs.100,000; quarterly fees 0.75% - 2% ii) Performance bond- 2% Upfront fees ; quarterly fees 0.75% - 2% iii) Advance payment guarantee- 2.5% Upfront fees; quarterly fees 0.75% - 2% CHARGE/FINANCIAL INSTITUTION LIMITED POST BANK UGANDA LIMITED TOP FINANCE BANK LIMITED BRAC UGANDA BANK LIMITED YAKO BANK UGANDA LIMITED iv) Retention bonds- 1% Upfront fees; quarterly fees 0.75% - 2% SAVINGS ACCOUNTS Minimum Balance Shs.20,000 for individual A/Cs; Shs.50,000 for (c) (t) (aa) Shs.10,000 (b) Fixed deposits interest rates non individual Shs.1 million to Shs.5 million 3.0% p.a - 4.0% p.a. Minimum Balance to earn Interest Shs.20,000 for Little Wings A/Cs; Shs.20,000 for (c) (u) (ab) Shs.10,000 Shs.5 million to Shs.100 million 5.0% p.a. - 7.0% p.a. Group Savers A/Cs Shs.100 million to Shs.500 million 7.0% p.a. - 9.0%p.a. Penalty below minimum balance N/A (d) (v) N/A Shs.200 per month Above Shs.500 million 8.0% p.a. - 10.5% p.a. Ledger fees per month N/A N/A (w) (ac) NIL USD 300 to USD 100,000 0.3% p.a. - 0.5% p.a. Account management/Service fee N/A Shs.7,500 for Business, Shs.3,000 for Transaction, N/A for other A/C types N/A N/A NIL USD 100,000 to USD 250,000 0.8% p.a. - 1.0%p.a. Contract pre-termination penalty N/A Shs.10,000 for Fixed deposit A/C; N/A for other A/C types N/A Forfeiture of all interest accrued on Fixed deposit NIL Above USD 250,000 1.0% p.a.- 1.5% p.a. and Target savings A/Cs Statement N/A N/A Free for Electronic statement (ad) NIL first time (c) Transaction A/C: Minimum Balance Shs.8,000; Minimum Deposit for Interim statement Shs.1,000 per page (e) Shs.2,000 per page N/A Shs.500 account opening Shs.25,000 Duplicate statement Shs.1,000 per page N/A Shs.3,000 per page N/A Shs.1000 Early Start A/C: Minimum Balance Shs.5,000; Minimum Deposit for Drawings/Withdrawals NIL (f ) Shs.1,000 for Easy Access A/C & Patnership/Co’s/ (ae) NIL account opening Shs.25,000 NGO; N/A for other Account types Youth Save A/C: Minimum Balance Shs.10,000; Minimum Deposit Withdrawal without passbook/card N/A N/A N/A N/A NIL for account opening Shs.5,000 Cash deposit charge NIL N/A N/A N/A NIL below Shs.20m; Shs.2000 Save as You Earn A/Ct: Minimum Balance Shs.10,000 ; Minimum Savings card/Passbook N/A (g) N/A (af) Shs.2000 Deposit for account opening Shs.20,000 Passbook/ card replacement N/A Shs.15,000 N/A (af) Shs.3000 Fixed Deposit: Minimum Balance and Minimum Deposit for account Closing account N/A Shs.20,000 N/A for Fixed deposits N/A Shs.5,000 for flex A/Cs; Shs.15,000 for Corporate NIL opening Shs.1,000,000. and BRAC safe accounts; N/A for other A/Cs Business A/C: Minimum Balance and Minimum Deposit for account Internal Cheque book/per leaf N/A (h) N/A N/A NIL opening Shs.100,000 Dormant Account reactivation NIL Free Shs.10,000 Nil for Individual A/Cs; Shs.5,000 for Company A/ Shs.2000 Cs; N/A for Fixed deposit A/Cs (d) Shs.20,000 for Business A/C; Shs.5,000 for Save as You Earn A/C; Bank Cheque/Drafts-customer Shs.25,000 Shs.10,000 N/A for Early Savers ; Shs.10,000 for other A/Cs N/A for Wise & Fixed deposit A/Cs; Shs.10,000 N/A Shs.2,000 for Transaction A/C for other A/Cs Bank Cheque/Drafts-non customer N/A Shs.20,000 N/A for Early Savers; Shs.10,000 for other A/Cs N/A N/A (e) Shs.3,000 per page for Transaction and Youth Save A/Cs Draft Cancellation Shs.15,000 N/A N/A Shs.5,000 for all A/Cs N/A One free per month, thereafter Shs.3,000 per page for Business, Counter cheque leaf N/A N/A N/A N/A N/A Early Start & Save As You Earn A/Cs. Deposit book N/A Shs.3,000 for Business Account; N/A to other A/C types Shs.10,000 for Premuim A/Cs; Shs.5,000 for All other N/A Shs.2000 N/A for Fixed deposit A/Cs A/Cs Local Cheques collection/Clearing Shs.3,000 Free for Early start A/C; Shs.10,000 all other A/Cs Shs.3,000 Shs.3,000; N/A for Fixed deposits NIL (f ) Business & Youth Save A/Cs: 0.2% of amount withdrawn (min of Upcountry cheques collection/clearing N/A Free for Early start A/C; Shs.12,000 all other A/Cs Shs.5,000 Shs.3,000 for Flex, Safe and Corporate A/Cs ; N/A Shs.3000 plus posting fees Shs.2,000, max Shs.50,000) for other A/Cs Shs.3000 for Transaction, Early Start, Youth save and Save As You Returned cheque-Insufficient funds N/A Shs.50,000 Shs.50,000 N/A for fixed deposits; Shs.50,000 for all other A/Cs Shs.65,000 Earn Returned cheque-Effects not cleared N/A Shs.50,000 Shs.50,000 N/A for fixed deposits; Shs.50,000 for all other A/Cs Shs.60,000 Fixed deposit: N/A forfeit interest for premature withdrawals Returned cheque-Technical N/A Shs.50,000 Shs.50,000 N/A for fixed deposits; Shs.50,000 for all other A/Cs Shs.60,000 Returned cheque by other banks N/A Shs.50,000 Shs.50,000 N/A for fixed deposits; Shs.50,000 for all other A/Cs Shs.60,000 (g) Certificate of Deposit Shs.25,000 for Fixed deposits; 7,000 for Cheque Cancellation N/A N/A Shs.25,000 N/A Shs.2,000 business accounts 8,000 for the other account types EFT & RTGS charge EFT Shs.5,750; EFT USD 1.75; RTGS EFT incoming:shs.3,000; outgoing:shs.5,000 RTGS Shs.3,000 N/A: Fixed EFT: Outward - Shs.3,000, Inward - Shs.2,000; RTGS: EFT: Outward - Shs.3,000, Inward - Shs.2,000; Shs.25,000 Shs.23,000; RTGS USD 6 deposit Outward - Shs.20,000, Inward - Shs.5,000 RTGS: Outward - Shs.15,000, Inward - Shs.5,000 (h) 25 leaf at Shs.10,000 and 50 leaf at Shs.15,000 for Business, SWIFT (Inward Remittance) NIL 0.4% of value (Min Shs.10,000) USD 55 N/A N/A Transaction & Youth Save A/Cs: IH Vouchers USD 6, EUR 5, GBP 4 SWIFT (Outward Remittance) USD 40 (i) USD 55 N/A N/A (i) N/A for Fixed deposits A/C; Shs.50,000 for all other account types; Stop Payment orders NIL N/A Shs.10,000 N/A NA and Shs.60,000 for Non-PostBank(U) Ltd. A/C holders Standing orders (within bank) N/A (j) Shs.3,000 NIL Shs.1,000 Standing orders (to other banks) N/A (k) Shs.10,000 - Cancelling standing Order - Shs.10,000 Shs.3,000 N/A (j) Shs.2,500; N/A for FD accounts Certificate of balance (certificate of Shs.20,000 Shs.50,000 for Fixed deposit, Business & Transaction A/Cs; N/A to other A/Cs Shs.20,000 Shs.10,000 for Corporate A/Cs and Save A/Cs; Shs.2,000 accounts) Nil for others (k) Shs.5,000; N/A for FD accounts Audit confirmation Shs.20,000 Shs.50,000 for Business A/Cs; N/A to other A/Cs Shs.20,000 Shs.10,000 for Corporate A/Cs and Save A/Cs; NIL Nil for others (l) Shs.2,800 for Business, Shs.2,500 for Transaction and Youth Save Letter of introduction Shs.50,000 Shs.50,000 Shs.20,000 Shs.10,000; N/A for Fixed deposit accounts Shs.2,000 A/C; N/A to all other accounts Salary handling N/A (l) Shs.2,000 Shs.2,000 Shs.500 each (m) Shs.2,000 for Business, Transaction & Youth Save Accounts; N/A to School fees N/A (m) Shs.2,500 Shs.1,000 Shs.500 other accounts URA collection N/A (n) N/A N/A N/A Safe custody charges N/A (o) Shs.50,000 for all A/Cs; Shs.10,000 for Safe custody N/A N/A (n) Shs.2,000 for Business,Transaction & Save As You Earn A/Cs; N/A access to other A/Cs Account closure fee Shs.20,000 (p) Shs.20,000 N/A NIL Reactivation charge NIL N/A N/A NIL NIL (o) For all accounts: Shs.30,000 per quarter for small envelopes; Customer ID card fee N/A N/A N/A N/A NIL Shs.40,000 per quarter for big boxes; and Shs.10,000 per visit. Replacement Card fee N/A N/A N/A N/A 20,000 (p) Shs.10,000 for Transaction, Early Start, Youth Save & Save As You Uncleared effects 1% Minimum Shs.20,000 N/A Shs.10,000 + 2% N/A NIL Earn A/Cs; Shs.20,000 for Business A/C; N/A for Fixed deposit A/C Voucher Querry/search Shs.5,000 per item N/A Shs.20,000 Shs.5,000 per item NIL Document photocopy NIL N/A N/A NIL Shs.500 (q) 1.2% on youth save, 2.5% all other accounts Company search Shs.70,000 N/A Shs.100,000 for Partnership & Group A/C; N/A to Shs.50,000 10,000 other A/Cs (r) Business Loans: 21% - 42% p.a. Coin handling fee NIL N/A 1% for Premium Savings A/Cs; 3.5% for all other A/Cs NIL N/A Quick Loans: 4% flat rate per month LOAN RELATED CHARGES Solar loans:16% - 24% p.a. Advance application fee 0.5% one off Shs.50,000 (x) Shs.10,000 for Individual loans; N/A for all other Shs.10,000 Agricultural loans: 12%- 42% p.a. products Personal loans: 18% - 30% p.a. Advance commitment fee NIL 1-2% NIL N/A 1% of Loan Amount Kyappa loans: 20% p.a. Arrangement fee 2% one off N/A NIL 1% of amount disbursed NIL Advance processing/admin fee N/A N/A 3% for all loans N/A 2% of Loan Amount (s) Business, Transaction and Youth Save A/Cs: 0.5% p.a. for balances Monitoring fee 0.125% per month N/A 3% for all loans (one off, at disbursement) N/A 1% of existing balance above Shs.5m Insurance fee 1.5% on unsecured loans (q) 1.5% on disbursed amount 0.575% of amount disbursed 2% of Loan Amount Early Start Account: up to 6% p.a. with a minimum balance of Interest Rates PLR for UGX 24% (+/-), PLR USD 11% (+/-) (r) PLR (+/-) 5 % p.a. 2.083% for SEP and 2.5% for MF and ELA per 18% to 36% p.a Shs.100,000. month Save As You Earn Account: up to 8% p.a. with a minimum balance Penalty Charges/Fine 3% per month N/A 5% for Salary Loans; 6% for all other loans Nil 1% of Shs.100,000. Loan Servicing ratio N/A N/A N/A N/A NA Early repayment on redemption N/A N/A 5% for all loans N/A NIL (t) Shs.5,000 for student A/C; Shs.10,000 for Easy Access A/C; Restructuring fees 1% N/A 1% for Salary Loans; N/A for all other loans 1% of outstanding amount 0.5% Shs.50,000 for Group, SACCO, CBOs, Investment Clubs & Early Committment fee unutilised amount N/A N/A N/A N/A 0.30% Savers A/C; Shs.100,000 for Partnership,Companies,NGOs & Save Guarantees (a) N/A 3% N/A 1% on the Guaranteed Amount As You Earn; Shs.2m for Premium Savings A/Cs; Shs.1m for Fixed Cooling off max charge on loan amount N/A N/A 5% for all loans 5% of loan amount for loans above Shs.3million NIL deposit Accounts and tenor of atleast 12 months (u) Shs.10,000 for Easy Access A/C; Shs.50,000 for Early Savers A/C; FOREIGN EXCHANGE Shs.200,000 for Save As You Earn A/C; Shs.500,000 for Student Minimum balance USD 10 USD 50 USD 100, GBP 100, EUR 100, KES 5,000 & CNY 5,000 N/A N/A A/C; Shs.2m for Premium Savings A/C; Shs.1m for Fixed deposit Account opening balance N/A USD 50 USD 150, GBP 150, EUR 150, KES 10,000 & CNY N/A N/A 5,000 A/C; N/A for other A/cs Penalty below min N/A USD 20, EUR 15, GBP 15 USD 10, GBP 10, EUR 15, KES 100 & CNY 100 N/A N/A (v) Shs.5,000 for Early Savers A/C; Shs. 2,000 for Easy Access A/C Ledger fees per entry NIL N/A N/A N/A N/A ; Shs.10,000 for Save As You Earn A/C; Shs.20,000 for Premium Minimum ledger fee per month N/A Ledger fee per month USD 5, EUR 4 & GBP 3 N/A N/A N/A Savings A/C ;N/A to other A/Cs; Account management/Service fee N/A USD 5, EUR 5 & GBP 4 (per month on all) USD 5, GBP 5, EUR 5, KES 20 & CNY 100 N/A N/A Cash deposit charge N/A 0.25% of value on deposits above USD 3,000 and 1% of value on deposits (y) N/A N/A (w) Shs.2,000 for Easy Access A/C; Shs.15,000 for Partneship, above USD 20,000 Companies & NGOs; Shs.5,000 for Group, SACCO, CBOs & Drawings/Withdrawals NIL Withdrawal below minimum balance USD 5, EUR 4, GBP 3 N/A N/A N/A Investment Clubs A/Cs; N/A to other A/Cs Statement Free for Fixed deposit A/Cs; other A/Cs first USD 2 USD 5, GBP 4, EUR 4.5, KES 520, CNY 45; N/A for N/A N/A statement during the month is free and then USD Trade Finance and Commerical and Corp loans (x) Shs.20,000 for Salary, Business, Construction, Real Estate, School 1 per page. fees & Trade Finance loans; Shs.50,000 for Commercial & corporate Additional Statement USD 1 per page N/A USD 5, GBP 4, EUR 4.5, KES 520, CNY 45 N/A N/A loans Out foreign transfers-customers USD 40 N/A N/A N/A N/A Out foreign transfers-non customers N/A N/A N/A N/A N/A (y) Below Shs.2,000, Nil; Shs.2,001 - Shs.10,000, 0.30%; Above In foreign transfers-customers N/A N/A N/A N/A N/A Shs.10,000, 0.40% In foreign transfers-non customers N/A N/A N/A N/A N/A (z) 1% p.a. Easy Access A/C; 6% p.a. Save As You Earn, Early Savers Sale of Travellers Cheques N/A N/A N/A N/A N/A & Premium Savings A/Cs; 3% p.a. Student A/C; N/A for other A/Cs LC Opening/Advising commission(cash LC opening 1.5%, Quarterly 1%, Advising- N/A N/A N/A N/A covered) incidental (aa) Wise Save & Flex A/Cs Shs.5,000; Investment Club, Group LC Opening/Advising commission(no LC opening 2.5%, Quarterly 1.5%, Advising- N/A N/A N/A N/A savings, VSLA Group & SACCO A/Cs Shs.50,000; Business, cash covered) incidental Corporate & Company A/Cs Shs.100,000; N/A for Fixed deposit A/ LC Arrangement fees 1% N/A N/A N/A N/A Cs LC Payment/Settlement commission 1% N/A N/A N/A N/A LC Amendments USD 50 N/A N/A N/A N/A (ab) Shs. 50,000 for Wise Save A/C; N/A for Flex A/Cs; Investment Foreign Drafts NIL N/A N/A N/A N/A Club, Group savings, VSLA Group & SACCO A/Cs Shs.500,000; Letter of Guarantee arrangement fee 1%; Quartely 0.75% - 2% N/A N/A N/A N/A Business, Corporate & Company A/Cs Shs.1,000,000; Minimum LG Secured (other than cash) 1.5% per quarter N/A N/A N/A N/A Shs.200,000 for Fixed deposit A/Cs; Insurance Premium-Shs.12,000 LG Covered with cash margin 0.5% per quarter N/A N/A N/A N/A for Wise Save & Flex A/Cs; and N/A for all other A/Cs LG Unsecured 2.5% per quarter N/A N/A N/A N/A ATM TRANSACTIONS (ac) Nil for Wise Save A/C; Shs. 1,000 for Flex A/C; Investment Club, ATM Card (first issue) fee N/A Shs.15,000 for Transaction and Youth Save Account; N/A to all other accounts Shs.10,000 N/A Shs.20,000 Group savings, VSLA Group & SACCO A/Cs Shs.5,000; Business, Uncollected Cards Destroyed N/A N/A Shs.10,000 N/A Shs.10,000 Corporate & Company Shs.10,000; N/A for Fixed deposit A/Cs. Replacement ATM Card (faulty) N/A Shs.15,000 for Transaction and Youth Save Account; N/A to all other accounts Shs.10,000 N/A NIL (ad) For all A/Cs, Free from the 1st to 5th of every month and after Replacement ATM Card(Lost) N/A Shs.15,000 for Transaction and Youth Save Account; N/A to all other accounts Shs.10,000 N/A Shs.20,000 Shs.1,000 per page for individual and group A/Cs; Shs.2,000 per ATM Withdrawals N/A Shs.900 for Transaction Accounts; Shs.700 for Youth save Accounts; N/A for (Interswitch fees apply) Shs.1,500 N/A Shs.500 per transaction all other accounts page for Corpoarate, Business & Company A/Cs ATM Deposits fee N/A N/A N/A N/A N/A (ae) Nil for Flex A/C; Shs.1 free and 5,000 for additional withdrawals Account Management fee N/A N/A N/A N/A 1% of the loan amount within same quarter for Wise Save A/C; Investment Club, Group Mini statement N/A Shs.400 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A NIL savings, VSLA Group, SACCO and Safe A/Cs Shs.1,500; Business, Balance Inquiry N/A Shs.400 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A NIL Corporate & Company 0.25% of the withdrawal amount Min. E-Banking Services Shs.2,500 Max Shs.30,000; N/A for Fixed deposit A/C Mobile Phone banking registration N/A Shs.2,500 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A Shs.5,000 Account Transfers(internal) N/A Shs.2,000 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A Shs.1,000 (af) Shs.500 for Flex & Wise Save A/Cs; Shs.1,000 for SEP; Investment Balance inquiry N/A Shs.400 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A NIL Club, Group savings, VSLA Group, SACCO & Safe A/Cs Shs.5,000; Mini statement N/A Shs.400 for Transaction and Youth Save Account; N/A to all other accounts N/A N/A NIL N/A for other A/Cs Utility Payments by mobile phone & N/A Shs.2,500 for Transaction and Youth Save Account; N/A to all other accounts. N/A N/A Shs.2,000 Internet platform (ag) Corporate A/C -3% p.a; Flex A/C - Nil; Safe A/C - 5% p.a INTEREST ON DEPOSITS ACCOUNT Wise Save A/C :Tiered interest based on daily balanace maintained: Savings Deposit Group savers -(Shs. ) 3% p.a.,( USD) 0.01% (s) (z) (ag) 4% to 6% p.a Shs.50,000 to Shs.500,000 - 3% p.a; Shs.500,001 to Shs.1,000,000 p.a.; Little wings - (Shs and USD A/Cs) 1.5% p.a. - 5% p.a; Above Shs.1,000,000 - 6% p.a Fixed Deposit (b) Up to 11% p.a for less than Shs.50m; negotiable > Shs.50m Negotiable Negotiable; Minimum tenor is 30 days; Interest is 9% to 12% p.a Interest is accrued on daily basis and paid on a Bi-annual basis paid on maturity Taxes on Interest Paid (With Holding 15% 15% N/A for partnerships, companies, NGO, Group, 15% 6% to 15% p.a Tax) SACCO, Investment clubs, 15% on all other accounts Excise Duty Tax on Bank Charges 15% 15% 15% 15% 15%