Interest Rates and Bank Charges for Personal Accounts and Other Retail Accounts As at 31 December 2016 Average Interest Rates on Deposits (Expressed As Annual Rates)

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 2016 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)

Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK More than 30 Days Less than K1,000 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure K1,000 Tenure upto 364 days 17%, 365 days 1 AB Bank Zambia Limited and above 20%, promotion rate 6.00 6.00 9.00 10.00 12.00 14.00 25% 2 Access Bank Zambia Limited 4.00 4.00 15.75 16.00 16.70 17.00 17.50 3 BancABC Zambia Limited 2.00 2.00 21.00 21.00 22.00 23.00 24.50 4 Bank of China Zambia Limited NIL NIL 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 Cavmont Bank Limited 3.00 3.00 3.00 4.00 5.00 5.50 8.00 7 Citibank Zambia Limited N/A N/A Max. 14.00 Max. 14.00 Max. 16.80 Max. 20.50 Max. 20.50 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 First Alliance Bank Zambia 10 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 First National Bank Zambia 12 Limited 2.50 2.50 4.00 4.50 5.00 6.00 7.00 3.5% to 6% 13 Indo-Zambia Bank Limited based on 3.50 Account Type 5.00 5.00 6.00 7.00 8.00 14 Intermarket Banking Limited 15 Investrust Bank Plc NIL 3.00 5.00 7.00 8.00 9.50 10.50 16 Stanbic Bank Zambia Limited NIL 1.50 15.00 16.00 17.00 18.00 19.00 Standard Chartered Bank Zambia 17 Plc 1.00 2.00 14.00 16.00 17.00 18.50 21.00 18 United Bank for Africa (Z) Limited 3.00 3.00 9.00 10.00 11.00 12.00 15.00 Zambia National Commercial 19 Bank Plc 2.00 2.00 6.00 7.00 9.00 11.00 14.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 2016 LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )

PERSONAL LOANS (%) MORTGAGE LOANS (%) LENDING TO SMEs (%) Salary Backed Other Loans BOZ Policy Rate (BPR SNo. BANK (%) Margin above Lending Margin above BOZ Lending Margin above BOZ Lending Interest Lending Interest Margin above BOZ Rate BOZ Rate Interest Rate Rate Interest Rate Rate Rate Rate 1 AB Bank Zambia Limited 15.50 16.90 32.40 NIL NIL NIL NIL 64.49 79.99 2 Access Bank Zambia Limited 15.50 14.11 30.28 17.00 32.50 14.50 30.00 15.35 30.87 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 29.25 44.75 N/A N/A 26.50 42.00 N/A N/A 6 Cavmont Bank Limited 15.50 19.50 35.00 19.50 35.00 19.50 35.00 19.50 35.00 7 Citibank Zambia Limited 15.50 N/A N/A N/A N/A N/A N/A N/A N/A 8 Ecobank Zambia Limited 15.50 19.50 35.00 19.50 35.00 19.50 35.00 19.50 35.00 19.00 34.50 (BPR 34.50 (BPR PLUS 19.00 (MAXIMUM 34.50 (BPR PLUS 9 Finance Bank Zambia Limited 15.50 (MAXIMUM PLUS MAXIMUM MAXIMUM N/A N/A 19.00 (MAXIMUM MARGIN) MARGIN) MAXIMUM MARGIN) MARGIN) MARGIN) MARGIN) First Alliance Bank Zambia 10 15.50 9.00 22.00 9.00 22.00 NIL NIL 9.00 22.00 Limited 11 First Capital Bank Zambia Limited 15.50 22.00 37.50 22.00 37.50 NIL NIL 22.00 37.50 First National Bank Zambia 12 15.50 8.75 20.50 NIL NIL 6.40 16.00 11.00 20.50 Limited 13 Indo-Zambia Bank Limited 15.50 20.50 36.00 20.50 36.00 20.50 36.00 19.50 35.00 14 Intermarket Banking Limited 15 Investrust Bank Plc 15.50 24.50 40.00 24.50 40.00 N/A N/A 24.50 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 Standard Chartered Bank Zambia 17 15.50 16.50 32.00 14.50 30.00 12.00 27.50 14.50 30.00 Plc 18 United Bank for Africa (Z) Limited 15.50 6.50 22.00 NIL NIL 3.50 19.00 5.50 21.00 Zambia National Commercial 19 15.50 18.50 33.98 18.47 33.97 15.50 31.00 18.26 33.76 Bank Plc INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 2016 MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM & OVERDRAWN ACCOUNT

MONTHLY MAINTENANCE FEES (ZMW) PENALTY FEES FOR BALANCES BELOW OVERDRAWN MINIMUM BALANCE (ZMW) Current Account Savings Account MINIMUM (ZMW) ACCOUNT % SNo. BANK High-end High-end Market High-end Market Interest charge Basic Type Basic Type Basic Type Basic Type High-end Market Type Market Type Type Type (%) 1 AB Bank Zambia Limited NIL NIL NIL NIL NIL NIL NIL NIL NIL 2 Access Bank Zambia Limited 30.00 100.00 30.00 30.00 15.00 4,000.00 NIL 50.00 44.50 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 N/A

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

15.50%+24.50%= 8 Ecobank Zambia Limited 50.00 200.00 15.00 NIL 50.00 1,000.00 - - 40.00

9 Finance Bank Zambia Limited NIL NIL 20.00 N/A 50.00 1,000.00 20.00 per incident 100.00 per incident 34.50 ZMW 25.00 PER 250.00 First Alliance Bank Zambia MONTH WHERE MIN INDIVIDUAL, 10 N/A N/A N/A NIL 15.00 N/A N/A Limited BAL OF USD 1,000 IS 1,000.00 NOT MAINTAINED. CORPORATE 11 First Capital Bank Zambia Limited 35.00 75.00 20.00 35.00 NIL 5,000.00 100.00 100.00 45.00

First National Bank Zambia 12 25.00 120.00 12.00 NIL 50.00 NIL NIL NIL MPC + 25.5%=41% Limited

### Indo-Zambia Bank Limited 100.00 NIL 5.00 30.00 40.00 500.00 25.00 25.00 36.00

14 Intermarket Banking Limited

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 Standard Chartered Bank Zambia SAVINGS 1,500.00 17 50.00 60.00 50.00 50.00 500.00 50.00 50.00 & 30% FOR NON Plc 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 + 35.00 or equivalent for Zambia National Commercial 40.00 Personal, 12.00 Personal , 40.00 Personal, 85.00 50.00 Personal, 750.00 for Personal, margin, USD Base 19 5.00 15.00 Personal Personal & 50.00 or Bank Plc 100.00 SME 70.00 SME SME 500.00 SME 1,200.00 for SME rate + margin for equivalent SME Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 2016 WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND OVERDRWAWN ACCOUNT CHARGES

WITHDRAWAL (ZMW) DEPOSIT (ZMW) GENERAL CHARGES (ZMW) ATM Per Transaction Cash Cheque Balance Inquires SNo. BANK Over the counter Over The Other Bank's Mobile Own Bank Other banks International Own Bank Other Banks Counter Over the Counter Own Bank's ATM ATM Banking 0.30%, 4 Withdraws on Saving Acc free, 0.60 1 AB Bank Zambia Limited builk cash withdrawls on Current Acc & 0.65 on Savings Acc NIL NIL NIL NIL NIL 30.00 NIL NIL NIL NIL 2 Access Bank Zambia Limited 5.00 5.00 10.00 NIL NIL NIL NIL NIL 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 N/A N/A NIL N/A 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 N/A 0.50 0.50 N/A FCY only 1.5% min 7 Citibank Zambia Limited USD15.00 N/A N/A N/A NIL NIL NIL NIL N/A N/A N/A 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 AMOUNTS UP TO 9 Finance Bank Zambia Limited 150,000.00; ABOVE 150,000.00 = 30.00 7.00 7.00 10.00 150.00 NIL NIL 15.00 3.00 N/A NIL First Alliance Bank Zambia 10 NIL Limited NIL 5.00 7.50 25.00 NIL NIL NIL 3.00 5.00 N/A 11 First Capital Bank Zambia Limited NIL 10.00 3.00 N/A N/A NIL NIL NIL NIL NIL NIL

NIL UP TO 5,000 First National Bank Zambia 12 THEREAFTER Limited 0.25% OF VALUE 130.00 7.50 19.50 32.50 NIL NIL 12.50 NIL 5.00 NIL FREE UPTO K50,000 (K3.00 PER K5,000.00 13 Indo-Zambia Bank Limited OR PART THEREOF MAX 30.00 6.00 12.00 25.00 K150.00) NIL NIL NIL NIL 3.00 NIL 14 Intermarket Banking Limited 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 (89.00 - WITHIN 16 Stanbic Bank Zambia Limited ATM LIMIT) 6.00 10.00 15.00 NIL NIL NIL 15.00 NIL NIL NIL Standard Chartered Bank Zambia 17 Plc 100.00 8.00 NIL 25.00 NIL NIL NIL NIL N/A NIL NIL United Bank for Africa (Z) 18 Limited NIL 3.00 13.00 15.00 NIL NIL NIL NIL NIL NIL N/A

K50.00 for Personal SME Savings & Savers monthly 4 free withdrawal K50.00 for extra withdrawals 15.00 + 1.5% , max 6.50 for 3.50 for Zambia National Commercial Excessive encashment 50.00 for Personal, NIL for Personal & 10.00 for personal; Free for Personal & 10.00 for ATM eligible 2.00 for Personal and 2.00 for 19 Personal; 9.00 N/A Personal and Bank Plc of K25,000.00 and 15.00 + 1.5% max SME 3.00 for SME SME Accounts, free for others SME Personal SME SME above = K250.00 plus 50.00 for SME 0.2% for amount above K25,000.00 plus VAT for both Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 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 Own Bank's Other Banks' Own Bank's Inward Clearance Other Banks' Platform Clearance Maintenance Platform Platform Platform

0.60% MIN. $30 USD,MAX. $130 USD 1 AB Bank Zambia Limited 0.15% (Shared), + $25 USD MIN.K10.00: CORRESPONDENT NIL MAX K100.00 NIL BANK FEE (Our) NIL NIL NIL NIL NIL 1% Min $250 2 Access Bank Zambia Limited USD, Max $250 1% Min $250 USD, NIL USD NIL Max $250 USD NIL NIL NIL NIL NIL USD 50.00 swift and 3 BancABC Zambia Limited ZMW 75.00 RTGS N/A 50.00 N/A NIL NIL NIL N/A N/A 0.8% USD30- 0.8% USD30- 4 Bank of China Zambia Limited 0.8%, MIN USD30.00, USD250（TT）/ZMW USD250（TT）/ZM NIL 70.00 NIL MAX 250.00 NIL 60 （RTGS） W60 （RTGS） N/A N/A 1% min zmk 1% min zmk 151.5 USD7.00 or kwacha 151.5 (includes 5 Barclays Bank Zambia Plc N/A (includes USD 15 swift equivalent USD 15 swift charge) charge) NIL NIL 5.00 NIL 5.00 1% (Minimum USD30, 6 Cavmont Bank Limited Maximum USD150) NIL 50.00 NIL NIL NIL 50.00 NIL NIL 0.75% Min $20 MAX 7 Citibank Zambia Limited NIL 20.00 NIL $150 NIL NIL NIL NIL NIL 1% Min 1% Min USD30.00, 8 Ecobank Zambia Limited USD30.00, Max Max USD100 NIL USD100 NIL NIL NIL - - - OUTWARD TT'S - USD 35.00; INWARD TT'S - 9 Finance Bank Zambia Limited USD 10.00 PLUS CORRESPONDENT NIL 50.00 NIL BANK FEE NIL 2.00 10.00 N/A N/A First Alliance Bank Zambia 0.5% OF T.T AMT MIN 10 Limited USD60 MAX USD250 NIL 50.00 NIL 45.00 NIL N/A N/A N/A 11 First Capital Bank Zambia Limited 150.00 NIL 60.00 5.00 NIL NIL NIL NIL NIL BRANCH 60.00; First National Bank Zambia 1% OF VALUE OR MIN 12 ELECTRONIC Limited 190.00 NIL 7.00 3.00 NIL 3.50 8.00 8.00 NIL DDACC 0.5% OF AMOUNT, K60.00 PER (INDIVIDUALS MIN USD20, MAX ANNUM SAVINGS 13 Indo-Zambia Bank Limited FREE, OTHERS NIL USD150 PLUS AND k120.00 P.A K25 & K50 K25.00) AND T=SWIFT CHARGE CURRENT depending on N/A RTGS K40.00 USD30 ACCOUNT NIL amount NIL NIL 14 Intermarket Banking Limited 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 70.00 PLUS VAT NIL 30.00 50.00 NIL NIL NIL NIL NIL Standard Chartered Bank Zambia 1% MIN USD 50.00, 17 1% MIN 50.00, 1% MIN K50.00, Plc MAX USD250 NIL MAX 250.00 NIL N/A N/A MAX 250.00 N/A N/A United Bank for Africa (Z) 0.5% MIN 50.00; MAX 18 Limited NIL 35.00 NIL 130.00 25.00 NIL 1.00 N/A N/A 100.00 and below = 3.00 DDACC & RTGS Above 100.00 to 50.00 for 0.75% of amount,min 250.00 = 4.00 10.00 for Zambia National Commercial Personal & SME; USD45,max USD150 free for Persoanl 6.00 for Personal & 20.00 for Personal Transfers to other banks Above 250.00 to 19 N/A personal, 5.00 Bank Plc Electronic or Kwacha equivalent & SME SME & SME 20.00 500.00 = 5.00 for SME (payflexi) 15.00 for Personal & SME Above 500.00 to for SME K2000 = 7.00 Above 2000 = 9.50 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 DECEMBER 2016 PAYMENTS FOR OTHER SERVICES

PAYMENTS (ZMW) UNPAID CHEQUES (ZMW) Drawing SNo. BANK Replacement Interim Duplicate Bankers' Stop cheque Uncleared against Certificate of Balance of lost ATM Standing order statements per statement per Photocopying per page Refer to Drawer cheque payment effects uncleared card page page effects 1 AB Bank Zambia Limited 60.00 NIL 60.00 120.00 NIL NIL 25.00 Standard N/A BOZ Charges N/A NIL 1% of 80.00 with Police 2 Access Bank Zambia Limited amount report, 350.00 without K510.00 (individual) and drawn, Min 250.00 80.00 80.00 Police report 20.00 25.00 50.00 NIL K840.00 (Corprates) NIL K300.00 ZMW510.00 Individual 3 BancABC Zambia Limited and ZMW840.00 Min 150.00 30.00 100.00 200.00 20.00 75.00 N/A 15.00 Corprates NIL 1,000.00

Customer ZMW 4 Bank of China Zambia Limited 70.00 ;Non- customer ZMW 200.00 N/A 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 NIL 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 N/A 30.00 NIL 20.00 20.00 20.00 20.00 NIL (corporate) N/A 8 Ecobank Zambia Limited 175.00 70.00 90.00 120.00 65.00 15.00 30.00 15.00 510.00 750.00 250.00

80.00 FOR FBZ CUSTOMERS; 9 Finance Bank Zambia Limited 100.00 FOR 30.00 BELOW 6 NON-FBZ MONTHS 50,00 250.00 PLUS 150.00 60.00 CUSTOMERS 150.00 60.00 25.00 ABOVE 6 MONTHS 20.00 340.00 340.00 INTEREST 20.00 FOR 25 First Alliance Bank Zambia LEAVES, 75.00 10 Limited FOR 100 510.00 INDIVIDUAL 50.00 N/A LEAVES 25.00 50.00 10.00 10.00 N/A 840.00 CORPORATE NIL NIL 11 First Capital Bank Zambia Limited 250.00 150.00 60.00 150.00 60.00 50.00 50.00 NIL 840.00 NIL 510.00 First National Bank Zambia 60.00 online and Free Online and 12 Limited 275.00 FNB Branch 33.50 FNB Branch 110.00 70.00 165.00 45.00 45.00 10.00 per page NIL 510.00 405.00 AS PER ZECHL Indo-Zambia Bank Limited AS PER ZECHL PREVAILING 13 150.00 PER OCCASION 100.00/-Card 100.00 250.00 50.00 30.00 per page 30.00 per page 5.00/- per page PREVAILING RULES RULES N/A 14 Intermarket Banking Limited 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 Standard Chartered Bank Zambia INDIVIDUAL & 1% MIN 17 Plc 510.00 INDIVIDUAL & K840.00 NON 160.00, MAX 100.00 100.00 100.00 300.00 20.00 100.00 100.00 N/A 840.00 NON INDIVIDUAL INDIVIDUAL 500.00 United Bank for Africa (Z) 18 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 100.00 per 200.00 plus VAT for statement for statement for Zambia National Commercial 170.00 per copy plus for Personal : NIL for Personal & 510.00 per item for 19 cheque for Personal, 300.00 plus Personal & 100.00 Personal & 100.00 NA Personal, 840.00 per NA NA for Bank Plc VAT for Personal & SME 100.00 plus VAT SME Personal, Personal & SME VAT for SME plus VAT per plus VAT per item for SME 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 31 DECEMBER 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 1 AB Bank Zambia Limited NIL NIL NIL NIL 20.00 ACC, OTHER FREE NIL 2 ACCESS NIL NIL 4.00 NIL Ledger Fees 100.00 20.00 3 BancABC Zambia Limited N/A N/A N/A N/A 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 N/A

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 N/A N/A NIL NIL NIL 8 Ecobank Zambia Limited NIL NIL NIL NIL - 200.00 50.00

CLOSURE OF ACCOUNT WITHIN K0.00 / FULL 9 SIX MONTHS OF RECOVERY OF OPENING ACCOUNT - DEBIT BALANCE 5.00 PER DEBIT ENTRY, 100.00; MORE THAN Finance Bank Zambia Limited MINIMUM 50.00 NIL N/A NIL NIL SIX MONTHS - K0.00 First Alliance Bank Zambia 10 3.00 ZMW EXCEEDING Limited 5 DEBITS NIL N/A N/A NIL 50.00 NIL 11 First Capital Bank Zambia Limited 500.00 N/A N/A N/A NIL 100.00 100.00

FIRST FNB ATM First National Bank Zambia WITHDRAWAL 12 Limited FREE, THEREAFTER STANDARD 20.00 NIL 20.00 NIL RATES APPLY NIL NIL

13 40.00 SAVINGS; 100 100.00 SAVINGS; Indo-Zambia Bank Limited NIL NIL NIL NIL NIL CURRENT 150.00 CURRENT 14 Intermarket Banking Limited 15 Investrust Bank Plc N/A N/A N/A N/A 50.00 100.00 N/A 1.2% min 5.00 max 16 Stanbic Bank Zambia Limited 25.00 per debit NIL NIL NIL NIL NIL NIL Standard Chartered Bank Zambia Current Account Savings Account 17 Plc Current Account 50.00 NIL 5.00 Savings Account NIL 50.00 150.00 NIL United Bank for Africa (Z) 18 Limited NIL NIL NIL NIL NIL 80.00 NIL

100.00 FOR PERSONAL, 200.00 Zambia National Commercial 19 FOR SME, FOREIGN Bank Plc CURRENCY N/A FOR ACCOUNTS- 170.00 PERSONAL AND FOR PERSONAL, N/A FOR PERSONAL N/A N/A N/A N/A SME 225.00 FOR SME AND SME