INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)

Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK More than Less than K1,000 30 Days Tenure 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure K1,000 upto 364 days 17%, 365 days and above 1 AB Bank Limited 20%, promotion rate 6.00 6.00 9.00 10.00 12.00 14.00 25% 2 Limited 0.00 2.00 16.00 18.00 19.00 20.50 21.50 3 BancABC Zambia Limited 2.00 2.00 21.00 21.00 22.00 23.00 24.50 4 Bank of Zambia Limited 0.00 0.00 0.10 0.10 0.10 0.20 0.30 5 Barclays Bank Zambia Plc 1.50 various 6.00 NIL 8.00 10.50 12.00 6 Limited 3.00 3.00 3.00 4.00 5.00 5.50 8.00 7 Citibank Zambia Limited NIL NIL Max. 14.20 Max. 14.43 Max. 17.22 Max. 19.27 Max. 20.49 8 Ecobank Zambia Limited 3.00 5.00 13.00 14.00 15.00 17.00 19.00 9 Finance Bank Zambia Limited 2.00 2.00 3.00 3.50 4.50 6.00 7.00 10 First Alliance Bank Zambia Limited 3.00 3.00 N/A N/A N/A 6.00 6.00 11 First Capital Bank Zambia Limited 3.00 3.00 12.00 14.00 16.00 18.00 20.00 12 First National Bank Zambia Limited 2.50 2.50 4.00 4.50 5.00 6.00 7.00 3.5% to 4% based on Indo-Zambia Bank Limited 13 Amount slabs 4.50 5.00 5.00 6.00 7.00 8.00 14 Intermarket Banking Limited 8.50 8.50 4.00 4.95 5.25 5.85 9.75 15 Investrust Bank Plc 3.00 3.00 5.00 7.00 8.00 9.50 10.50 16 Stanbic Bank Zambia Limited NIL 1.50 16.00 18.00 19.00 20.50 21.50 17 Standard Chartered Bank Zambia Plc 1.00 2.00 13.00 15.50 16.00 18.00 20.00 18 United Bank for (Z) Limited 3.00 3.00 9.00 10.00 11.00 12.00 15.00 Zambia National Plc 19 2.00 2.00 2.00 3.00 3.50 4.50 6.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )

PERSONAL (%) MORTGAGE LOANS (%) LENDING TO SMEs (%) BOZ Policy Rate (BPR Salary Backed Other Loans SNo. BANK (%) Margin above Lending Interest Lending Interest Margin above BOZ Lending Interest Margin above BOZ Rate Margin above BOZ Rate Lending Interest Rate BOZ Rate Rate Rate Rate Rate 1 AB Bank Zambia Limited 15.50 7.20 22.70 NIL NIL NIL NIL 46.26 61.72 2 Access Bank Zambia Limited 15.50 24.50 40.00 24.50 40.00 14.50 30.00 21.50 37.00 3 BancABC Zambia Limited 15.50 19.50 35.00 19.50 35.30 NIL NIL 19.50 35.00 4 Bank of China Zambia Limited 15.50 0-15.50 16.00 0-15.50 16.00 0-15.50 16.00 0-15.50 16.00 5 Barclays Bank Zambia Plc 15.50 14.50 30.00 N/A N/A 9.00 24.50 NIL NIL 6 Cavmont Bank Limited 15.50 19.50 34.00 19.50 34.00 19.50 34.00 18.50 34.00 7 Citibank Zambia Limited 15.50 NIL NIL NIL NIL NIL NIL NIL NIL 8 Ecobank Zambia Limited 15.50 19.50 35.00 19.50 35.00 19.50 35.00 19.50 35.00 34.50 (BPR PLUS 19.00 (MAXIMUM 19.00 (MAXIMUM 34.50 (BPR PLUS 34.50 (BPR PLUS 9 Finance Bank Zambia Limited 15.50 MAXIMUM N/A N/A 19.00 (MAXIMUM MARGIN) MARGIN) MARGIN) MAXIMUM MARGIN) MAXIMUM MARGIN) MARGIN) 10 First Alliance Bank Zambia Limited 15.50 9.00 22.00 9.00 22.00 NIL NIL 9.00 22.00 11 First Capital Bank Zambia Limited 15.50 22.00 37.50 -6.00 31.50 NIL NIL 22.00 37.50 12 First National Bank Zambia Limited 15.50 8.75 20.50 NIL NIL 6.40 16.00 11.00 20.50 13 Indo-Zambia Bank Limited 15.50 16.50 32.00 16.50 32.00 16.50 32.00 15.00 31.00 14 Intermarket Banking Limited 15.50 24.00 39.50 24.00 39.50 24.00 39.50 24.00 39.50 15 Investrust Bank Plc 15.50 25.00 40.00 25.00 40.00 N/A N/A 25.00 40.00 16 Stanbic Bank Zambia Limited 15.50 24.50 40.00 24.50 40.00 14.50 30.00 21.50 37.00 17 Standard Chartered Bank Zambia Plc 15.50 16.50 32.00 NIL NIL 12.00 27.50 14.50 30.00 18 United Bank for Africa (Z) Limited 15.50 6.50 22.00 NIL NIL 3.50 19.00 5.50 21.00 19 Zambia National Commercial Bank Plc 15.50 18.50 34.00 19.90 35.40 15.50 31.00 18.40 33.90 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM & OVERDRAWN ACCOUNT

MONTHLY MAINTENANCE FEES (ZMW) PENALTY FEES FOR BALANCES BELOW MINIMUM OVERDRAWN MINIMUM BALANCE (ZMW) Current Account Savings Account (ZMW) ACCOUNT % SNo. BANK High-end Market Basic Type Basic Type High-end Market Type Basic Type High-end Market Type Basic Type High-end Market Type Interest charge (%) Type 1 AB Bank Zambia Limited NIL NIL NIL NIL NIL NIL NIL NIL NIL 2 Access Bank Zambia Limited 57.00 275.00 2.00 19.00 60.00 NIL NIL NIL BPR+15.50 3 BancABC Zambia Limited 40.00 N/A 20.00 N/A 50.00 N/A N/A N/A 3.10

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

5 Barclays Bank Zambia Plc 55.00 300.00 NIL NIL 500.00 200,000.00 5.00 PER DAY 5.00 PER DAY 25.00

6 Cavmont Bank Limited 70.00 100.00 35.00 80.00 30.00 2,000.00 30.00 30.00 35.00

Min BPR 15.5% plus 11%, 7 Citibank Zambia Limited NIL NIL NIL NIL N/A N/A N/A N/A Max BPR plus margin of 16.5%

8 Ecobank Zambia Limited 50.00 200.00 15.00 0.00 50.00 1,000.00 NIL NIL Policy Rate + margin

9 Finance Bank Zambia Limited NIL NIL 20.00 N/A 50.00 1,000.00 20.00 100.00 34.50

ZMW 25.00 PER MONTH WHERE MIN BAL OF USD 10 First Alliance Bank Zambia Limited N/A N/A N/A 250.00 NIL 15.00 NIL NIL 1,000 IS NOT MAINTAINED.

11 First Capital Bank Zambia Limited 75.00 100.00 20.00 35.00 NIL 5,000.00 NIL 100.00 38.00

12 First National Bank Zambia Limited 22.50 110.00 12.00 NIL 50.00 NIL NIL NIL MPC +9.75%

13.00 Indo-Zambia Bank Limited 60.00 NIL 5.00 25.00 40.00 500.00 25.00 75.00 30.00

14 Intermarket Banking Limited 150.00 150.00 25.00 25.00 20.00 1,000.00 25.00 120.00 12.00

15 Investrust Bank Plc 100.00 N/A 30.00 N/A 30.00 NIL 20.00 N/A 18.25

16 Stanbic Bank Zambia Limited 57.00 275.00 2.00 19.00 60.00 NIL NIL NIL BPR +15.50 5

30% FOR INDIVIDUAL & SAVINGS 1,500.00 17 Standard Chartered Bank Zambia Plc 50.00 60.00 50.00 50.00 500.00 50.00 50.00 30% FOR NON CURRENT 500.00 INDIVIDUAL

18 United Bank for Africa (Z) Limited 30.00 55.00 5.00 10.00 20.00 7,500.00 NIL NIL NIL

BOZ Policy rate + margin, 50.00 Personal, 750.00 for Personal, 19 Zambia National Commercial Bank Plc 5.00 40.00 12.00 40.00 15.00 Personal 35.00 Personal & 50.00 SME USD Base rate + margin 500.00 SME 1,200.00 for SME for Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND OVERDRWAWN ACCOUNT CHARGES

WITHDRAWAL (ZMW) DEPOSIT (ZMW) GENERAL CHARGES (ZMW) ATM Per Transaction Cash Balance Inquires SNo. BANK Over the counter Other Bank's Mobile Own Bank Other banks Own Bank International Over The Counter Other Banks Over the Counter Own Bank's ATM ATM Banking 0.20%, 4 Withdraws on 1 AB Bank Zambia Limited Saving Acc free NIL NIL NIL NIL NIL 30.00 NIL NIL NIL NIL 0.00 (77.00 - within ATM 2 Access Bank Zambia Limited limit) 6.00 10.00 15.00 NIL NIL NIL 15.00 NIL NIL NIL 3 BancABC Zambia Limited 20.00 5.00 5.00 1% OF TRXN N/A N/A N/A 1.50 1.50 NIL N/A 0.05% if amount 4 more than Bank of China Zambia Limited N/A N/A N/A N/A 200,000.00 NIL NIL NIL NIL NIL NIL 5 Barclays Bank Zambia Plc 50.00 5.00 7.00 20.00 NIL NIL NIL NIL NIL NIL NIL 6 Cavmont Bank Limited 20.00 5.00 10.00 10.00 NIL NIL NIL NIL 0.50 0.50 NIL FCY only 1.5% min 7 Citibank Zambia Limited USD15.00 NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL 8 Ecobank Zambia Limited 58.00 2.00 9.00 11.00 NIL NIL NIL NIL 1.20 2.50 1.20 BUREAUS 0.2%; OTHERS NIL FOR 9 Finance Bank Zambia Limited AMOUNTS UP TO 150,000.00; ABOVE 30.00 7.00 7.00 10.00 150,000.00 = 150.00 NIL NIL 15.00 3.00 NIL NIL 10 First Alliance Bank Zambia Limited NIL N/A N/A N/A NIL NIL NIL NIL NIL NIL NIL 11 First Capital Bank Zambia Limited 10.00 3.00 NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL UP TO 5,000 12 First National Bank Zambia Limited THEREAFTER 0.25% 100.00 7.00 18.00 30.00 OF VALUE NIL NIL 10.00 NIL 5.00 NIL NIL UPTO 50,000 (3.00 PER 5,000.00 13 Indo-Zambia Bank Limited OR PART THEREOF 30.00 5.00 12.00 25.00 MAX 150.00) NIL NIL NIL NIL 3.00 NIL 14 Intermarket Banking Limited 20.00 3.50 4.50 NIL NIL NIL NIL NIL NIL NIL NIL 15 Investrust Bank Plc 40.00 8.00 15.00 25.00 100.00 N/A N/A 2.00 7.00 5.00 2.00 0.0 (77.00 - WITHIN ATM 16 Stanbic Bank Zambia Limited LIMIT) 6.00 10.00 15.00 NIL NIL NIL 15.00 NIL NIL NIL 17 Standard Chartered Bank Zambia Plc 100.00 8.00 NIL 25.00 NIL NIL NIL NIL N/A NIL NIL 18 United Bank for Africa (Z) Limited NIL 3.00 13.00 15.00 NIL NIL NIL NIL NIL NIL N/A 50.00 for Personal, SME Savings & Savers monthly 4 free withdrawal 50.00 for extra withdrawals; 15.00 + 1.5% , max 10.00 for Excessive encashment of 6.50 for Personal; NIL for Personal & 10.00 for personal; 3.00 2.00 for 19 Zambia National Commercial Bank Plc NIL 50.00 for Personal and NIL for Personal & SME 2.00 for Personal and SME 3.50 for Personal and SME Personal, free for 25,000.00 and above = 9.00 for SME SME for SME Personal SME SME 250.00 plus 0.2% for amount above 25,000.00 plus VAT for both Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 FUNDS TRANSFERS INTERNET AND TELEPHONE BANKING (Amounts in ZMW unless stated otherwise)

FUNDS TRANSFERS (ZMW) INTERNET BANKING (ZMW) TELEPHONE BANKING (ZMW) Electronic SNo. BANK Outwards Internal Telegraphic Monthly Other Banks' Inward Clearance Own Bank's Platform Other Banks' Platform Own Bank's Platform Clearance Maintenance Platform 0.50% MIN. 20 USD,MAX.130 USD 1 AB Bank Zambia Limited (G136SHARED), +25 USD 12% MIN.8.00: CORRESPONDENT BANK NIL MAX 100.00 NIL FEE NIL NIL NIL NIL NIL

2 Access Bank Zambia Limited 1.2% min ZMW55.00, max 0.00 30.00 50.00 ZMW70.00 plus VAT NIL NIL NIL NIL NIL USD 50.00 swift and ZMW 3 BancABC Zambia Limited NA 50.00 NA 75.00 RTGS NIL NIL NIL NIL NIL 0.8% USD30- 0.8% USD30- 4 Bank of China Zambia Limited 0.8%, MIN USD30.00, USD250（TT）/ZMW60 USD250（TT）/ZMW60 NIL 70.00 FREE MAX 250.00 NIL （RTGS） （RTGS） N/A N/A 1% min zmk 151.5 1% min zmk 151.5 USD7.00 or kwacha 5 Barclays Bank Zambia Plc (includes USD 15 FREE (includes USD 15 swift equivalent swift charge) charge) NIL NIL 5.00 NIL 5.00 1% (Minimum USD30, 6 Cavmont Bank Limited NIL 50.00 NIL Maximum USD150) NIL NIL 50.00 NIL NIL

7 Citibank Zambia Limited NIL 20.00 NIL 0.75% Min $20 MAX $150 NIL NIL NIL NIL NIL USD30.00 MIN- USD30.00 min-100.00 8 Ecobank Zambia Limited NIL USD100 MAX NIL maximum NIL NIL NIL NIL NIL OUTWARD TT'S - USD 35.00; INWARD TT'S - 9 Finance Bank Zambia Limited USD 10.00 PLUS CORRESPONDENT BANK NIL 50.00 NIL FEE NIL 2.00 10.00 NIL NIL 0.5% OF T.T AMT MIN 10 First Alliance Bank Zambia Limited NIL 50.00 NIL USD60 MAX USD250 45.00 NIL N/A N/A N/A 11 First Capital Bank Zambia Limited NIL 60.00 NIL 150.00 NIL NIL NIL NIL NIL BRANCH 60.00; 1% OF VALUE OR MIN 12 First National Bank Zambia Limited NIL 7.00 ELECTRONIC 3.00 190.00 NIL 2.50 7.00 NIL NIL DDACC (INDIVIDUALS 0.6% OF AMOUNT, MIN 5.00 SAVINGS AND 13 Indo-Zambia Bank Limited FREE, OTHERS NIL USD15 MAX USD250 PLUS 10.00 CURRENT 25.00) AND RTGS TELEX CHARGE USD30 NIL 50.00 NIL NIL NIL NIL 14 Intermarket Banking Limited NIL 50.00 10.00 75.00 NIL NIL NIL NIL NIL 15 Investrust Bank Plc 100.00 500.00 N/A 500.00 10.00 50.00 N/A 5.00 50.00 1.2% MIN 55.00; MAX 16 Stanbic Bank Zambia Limited NIL 30.00 50.00 70.00 PLUS VAT NIL NIL NIL NIL NIL NIL (SCB TO SCB), OTHERS TO SCB INWARD 1% MIN USD 50.00, MAX 17 Standard Chartered Bank Zambia Plc TELEGRAPHIC TRANSFER 1% MIN 50.00, USD250 1% MIN K50.00, MAX 1% MIN K50.00, MAX 50.00 MAX 250.00 NIL NIL NIL 250.00 NIL K250.00 0.5% MIN 50.00; MAX 18 United Bank for Africa (Z) Limited NIL 35.00 NIL 130.00 25.00 NIL 1.00 N/A N/A

Transfers (below 100.00) = 3.00,(above 100.00 to 250.00)= 4.00,(above 250.00 to 500.00)= DDACC 50.00, 5.00,(above 500.00 to 2,000.00)= RTGS 50.00 for 0.75% of amount,min 7.00,(above 2,000.00)= 9.50 for Personal & SME; 10.00 for personal, USD45,max USD150 or free for Persoanl & 20.00 for Personal & 19 Zambia National Commercial Bank Plc NA 6.00 for Personal & SME Personal. Transfers (below 20.00 for Personal & SME Electronic 5.00 for SME Kwacha equivalent for SME SME 100.00)= 1.00,(above 100.00 to (payflexi) 15.00 Personal & SME 250.00)= 2.00,(above 250.00 to for SME 500.00)= 3.50,(above 500.00 to 2,000.00)= 6.00,(above 2000)= 9.50 for SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 PAYMENTS FOR OTHER SERVICES

PAYMENTS (ZMW) UNPAID (ZMW) Drawing SNo. BANK Replacement of Interim statements Duplicate statement Uncleared against Certificate of Balance Bankers' cheque Stop cheque payment Standing order Photocopying per page Refer to Drawer lost ATM card per page per page effects uncleared effects 1 AB Bank Zambia Limited 60.00 NIL 60.00 120.00 NIL NIL 25.00 (STANDARD) NIL BOZ Charges NIL NIL As per Statutory As per Statutory 2 Access Bank Zambia Limited 380.00 85.00 180.00 500.00 25.00 53.00 53.00 40.00 Instruction Instruction NIL 510.00 individual and 3 BancABC Zambia Limited 150.00 30.00 100.00 200.00 20.00 75.00 N/A 15.00 840.00Corprates NIL Min 1000.00 Customer ZMW 70.00 ;Non- 4 Bank of China Zambia Limited customer ZMW 200.00 NIL 200.00 NIL NIL 20.00 20.00 5.00 NIL NIL NIL Not 5 Barclays Bank Zambia Plc 250.00 75.00 80.00 per item 350.00 free 20.00 per page 50.00 per page 20.00 per page 510.00 510.00 authorised 840.00 (companies) 6 Cavmont Bank Limited 840.00 (companies) 560.00 200.00 70.00 50.00 150.00 20.00 30.00 30.00 10.00 560.00 (individuals) (individuals) 5% 840.00 7 Citibank Zambia Limited 100.00 NIL 30.00 NIL 20.00 20.00 20.00 20.00 NIL (corporate) NIL 8 Ecobank Zambia Limited 175.00 70.00 90.00 120.00 65.00 15.00 30.00 15.00 510.00 750.00 250.00 80.00 FOR FBZ CUSTOMERS; 30.00 BELOW 6 9 Finance Bank Zambia Limited 100.00 FOR NON- MONTHS 50,00 ABOVE 250.00 PLUS 150.00 60.00 FBZ CUSTOMERS 150.00 60.00 25.00 6 MONTHS 20.00 340.00 340.00 INTEREST 25.00 LEAVES - 10 First Alliance Bank Zambia Limited 20.00; 100 510.00 INDIVIDUAL 50.00 N/A LEAVES - 75.00 25.00 50.00 10.00 10.00 NIL 840.00 CORPORATE NIL NIL 11 First Capital Bank Zambia Limited 250.00 150.00 60.00 150.00 60.00 50.00 840.00 510.00 60.00 online and 250.00 Free Online and 12 First National Bank Zambia Limited 100.00 70.00 150.00 FNB Branch 30.00 FNB Branch 40.00 40.00 10.00 per page NIL 510.00 405.00 AS PER ZECHL Indo-Zambia Bank Limited 1 - MIN 50.00; 20.00 SAVINGS; 25.00 20.00 SAVINGS; 25.00 AS PER ZECHL PREVAILING 13.00 150.00 PER OCCASION 100.00/-Card MAX 100.00 250.00 50.00 CURRENT CURRENT 5.00 PREVAILING RULES RULES NIL 14 Intermarket Banking Limited 200.00 50.00 75.00 300.00 50.00 10.00 10.00 NIL 508.00 508.00 5% 50.00 Plus VAT 100.00 + VAT 15 Investrust Bank Plc 200.00 8.00 16.00 350.00 40.00 40.00 50.00 10.00 504.00 504.00 1000.00 AS PER 16 Stanbic Bank Zambia Limited AS PER STATUTORY STATUTORY 380.00 85.00 180.00 500.00 25.00 53.00 53.00 40.00 INSTRUCTION INSTRUCTION NIL 510.00 INDIVIDUAL & 1% MIN 17 Standard Chartered Bank Zambia Plc 510.00 INDIVIDUAL & K840.00 NON 160.00, MAX 100.00 100.00 100.00 300.00 20.00 100.00 100.00 NIL 840.00 NON INDIVIDUAL INDIVIDUAL 500.00 18 United Bank for Africa (Z) Limited 150.00 70.00 65.00 150.00 NIL 20.00 20.00 10.00 560.00 560.00 1000.00 40.00 plus VAT per 40.00 plus VAT per 60.00 plus VAT for 100.00 per 200.00 plus VAT for 510.00 per item for NA for 170.00 per copy plus VAT NIL for Personal & statement for Personal & statement for Personal 19 Zambia National Commercial Bank Plc Personal : 100.00 cheque for Personal, 300.00 plus VAT NA Personal, 840.00 per NA Personal, for Personal & SME SME 100.00 plus VAT per & 100.00 plus VAT per plus VAT for SME Personal & SME for SME item for SME 500.00 for statement for SME statement for SME SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 LEDGER FEES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS CHARGES

LEDGER FEES PER ENTRY (ZMW) ACCOUNT CLOSURE/DORMANT ACCOUNTS (ZMW) Current Account Savings Account SNo. BANK Dormant per Debits Credits Debits Credits Closure Reactivation month 60.00 CURRENT ACC, 1 AB Bank Zambia Limited NIL NIL NIL NIL 15.00 OTHER FREE NIL 1.2% min 5.00 max 25.00 2 ACCESS per debit NIL NIL NIL NIL NIL NIL 3 BancABC Zambia Limited NIL NIL NIL NIL 30.00 50.00 NIL 4 Bank of China Zambia Limited NIL NIL NIL NIL 25.00 50.00 NIL 5 Barclays Bank Zambia Plc NIL NIL NIL NIL 40.00 NIL NIL Applicable 6 Cavmont Bank Limited maintenance fee/ 6.00 NIL 6.00 NIL account type 75.00 N/A 7 Citibank Zambia Limited NIL NIL NIL NIL NIL NIL NIL 8 Ecobank Zambia Limited NIL NIL NIL NIL NIL 200.00 50.00

CLOSURE OF ACCOUNT WITHIN SIX MONTHS K0.00 / FULL 9 OF OPENING ACCOUNT - RECOVERY OF DEBIT 5.00 PER DEBIT ENTRY, 100.00; MORE THAN SIX BALANCE Finance Bank Zambia Limited MINIMUM 50.00 NIL N/A NIL N/A MONTHS - K0.00 3.00 ZMW EXCEEDING 5.00 10 First Alliance Bank Zambia Limited DEBITS NIL N/A N/A NIL 50.00 NIL 11 First Capital Bank Zambia Limited NIL NIL NIL NIL NIL 100.00 100.00 FIRST FNB ATM WITHDRAWAL 12 First National Bank Zambia Limited FREE, THEREAFTER STANDARD RATES 20.00 NIL 20.00 NIL APPLY NIL NIL 4.00 (INCLUSIVE 2.00 (INCLUSIVE 13 4.00 (INCLUSIVE OF OF DEBIT OF CREDIT 2.00 (INCLUSIVE OF 30.00 SAVINGS; 100 40.00 SAVINGS; 100.00 100.00 SAVINGS; Indo-Zambia Bank Limited CREDIT ENTRIES) ENTRIES) ENTRIES) DEBIT ENTRIES) CURRENT CURRENT 150.00 CURRENT 14 Intermarket Banking Limited NIL NIL NIL NIL NIL 150.00 50.00 15 Investrust Bank Plc N/A N/A N/A N/A 50.00 100.00 N/A 1.2% min 5.00 max 25.00 16 Stanbic Bank Zambia Limited per debit NIL NIL NIL NIL NIL NIL Current Account Savings Account 17 Standard Chartered Bank Zambia Plc Current Account 50.00 NIL 50.00 Savings Account NIL 50.00 150.00 NIL 18 United Bank for Africa (Z) Limited NIL NIL NIL NIL NIL 80.00 NIL 100.00 FOR PERSONAL, 200.00 FOR SME, 19 Zambia National Commercial Bank Plc FOREIGN CURRENCY ACCOUNTS- 170.00 FOR N/A FOR PERSONAL PERSONAL, 225.00 FOR N/A FOR PERSONAL N/A N/A N/A N/A AND SME SME AND SME