INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)

Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK Less than K1,000 More than K1,000 30 Days Tenure 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure upto 364 days 13%, 1 AB Bank Limited 365 days and above 6.00 6.00 8.00 9.00 12.00 12.50 15%

2 Limited 4.00 4.00 7.00 7.50 8.00 9.50 10.75

3 Atlas Mara Zambia 2.50 3.00 8.50 9.25 9.50 11.50 13.00

4 Bank of China Zambia Limited Max 1% Max 1% NA NA 1.50 2.50 3.50

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

6 Limited 3.00 3.00 7.00 8.00 10.00 11.00 14.00

7 Citibank Zambia Limited NA NA Max. 9.55% Max. 9.57% Max. 9.75% Max. 14.00% Max. 21.50%

8 Ecobank Zambia Limited 3.00 3.00 6.00 6.50 7.00 7.50 10.00

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

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

11 First National Bank Zambia Limited 4.21 5.02 5.36 7.23 6.76 10.64 14.39

12 Indo-Zambia Bank Limited 2.5% to 6% based on 2.50 account type 5.00 5.00 6.00 7.00 8.00

13 Investrust Bank Plc 3.00 5.00 5.00 7.00 8.00 9.50 10.50

14 Stanbic Bank Zambia Limited 0.00 1.50 7.00 8.00 9.00 10.00 12.00

15 Standard Chartered Bank Zambia Plc 1.00 2.00 6.00 7.50 9.00 10.00 16.00

16 United Bank for Africa (Z) Limited 3.00 3.00 9.00 10.00 11.00 12.00 15.00

17 Zambia National Plc 2.00 2.00 4.50 5.00 6.00 6.50 7.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )

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

1 AB Bank Zambia Limited 21.55 31.30 NA NA NA NA 67.96 77.71

2 Access Bank Zambia Limited 9.25 19.00 20.25 30.00 NA NA 13.25 23.00

3 Atlas Mara Zambia 16.33 26.08 16.33 26.08 NA NA 16.36 26.11

4 Bank of China Zambia Limited 0.00 9.75 NA NA NA NA NA NA

5 Barclays Bank Zambia Plc 16.00 25.25 NA NA 11.25 21.00 NA NA

6 Cavmont Bank Limited 19.50 29.25 19.50 29.25 19.50 29.25 19.50 29.25

7 Citibank Zambia Limited NA NA NA NA NA NA NA NA

8 Ecobank Zambia Limited 19.50 29.25 19.50 29.25 NIL NIL 18.52 28.27

9 First Alliance Bank Zambia Limited 20.25 30.00 12.25 22.00 19.25 29.00 19.25 29.00

10 First Capital Bank Zambia Limited 22.00 31.75 22.00 31.75 NIL NIL 20.00 29.75

11 First National Bank Zambia Limited 14.02 23.77 16.37 26.12 13.17 22.92 13.20 22.95

12 Indo-Zambia Bank Limited 20.50 30.25 20.50 30.25 12.00 21.75 19.50 29.25

13 Investrust Bank Plc 24.50 34.25 24.50 34.25 NA NA 24.50 34.25

14 Stanbic Bank Zambia Limited 17.25 27.00 19.25 29.00 14.45 24.20 18.25 28.00

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

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

17 Zambia National Commercial Bank Plc 14.65 24.40 17.49 27.24 12.73 22.48 15.53 25.28 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM

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

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

1 AB Bank Zambia Limited K30-Savings Acc; K10- K30-Savings Acc; FREE 40.00 FREE FREE Kids Savings Acc None K10-Kids Savings Acc None

2 Access Bank Zambia Limited 0.00 0.00 0.00 0.00 30.00 1000.00 0.00 0.00

3 Atlas Mara Zambia 50.00 300.00 38.00 NA NA NA NA NA

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

5 Barclays Bank Zambia Plc 40.00 250.00 30.00 0.00 500.00 100000.00 0.00 0.00

6 Cavmont Bank Limited 70.00 100.00 0.00 20.00 50.00 1000.00 50.00 50.00 K150 on ZMW Accounts 7 Citibank Zambia Limited K150 on ZMW Accounts $15 on Foreign Currency $15 on Foreign Currency Accounts Accounts NA NA NA NA NA NA

8 Ecobank Zambia Limited 50.00 200.00 15.00 0.00 50.00 1000.00 NIL NIL

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

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

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

12 Indo-Zambia Bank Limited K100 p.m FREE FREE K30 p.m 40.00 500.00 25.00 25.00

13 Investrust Bank Plc FREE NA FREE NA FREE NA K10.00 NA

14 Stanbic Bank Zambia Limited 5 49.00 300.00 0.00 0.00 0.00 0.00 0.00 0.00

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

16 United Bank for Africa (Z) Limited 30.00 55.00 5.00 10.00 20.00 7500.00 No interest paid No interest paid K300.00 club fee: Free for balances of K150,000 and 17 Zambia National Commercial Bank Plc above for Private, Free for Preferred, Free for Private, K350.00 for Preferred, K500.00 for Private, K60 for Preferred K110 for SME K140.00 for SME N/A for SME N/A for SME N/A for SME N/A for SME NA NA INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND FUNDS TRANSFERS

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

0.60% Min. 50 USD,Max.250 1 AB Bank Zambia Limited USD (shared), +70 USD 0.2% min K12; correspodent None NA NA NA None FREE 30.00 FREE max.K120 FREE bank fee (our) 1% min USD50 max 2 Access Bank Zambia Limited USD150 plus Swift 15.00 5.00 5.00 10.00 0.00 0.00 0.00 0.00 charge USD30 0.00 USD30 1% Min USD 35 Max 1% Min USD 35 3 Atlas Mara Zambia Min K50 Max K150 7.00 10.00 10.00 NA NA NA NIL 150 NIL Max 150

0.8%, MIN 4 Bank of China Zambia Limited USD30.00, MAX FREE NA NA NA FREE FREE FREE FREE 70.00 FREE 250.00

1% min zmk 5 Barclays Bank Zambia Plc 1% min zmk 151.5 151.5 (includes (includes USD 15 USD 15 swift 0.00 8.00 20.00 20.00 0.00 0.00 0.00 0.00 swift charge) FREE charge)

6 Cavmont Bank Limited k35 (For amounts Less than K5,000 and Free for amounts above K5,000 7.00 10.00 10.00 FREE FREE FREE NA 35.00 NA Flat Fee US$30 Electronic - 1%, Min $50, Max $150 7 Manual - 1.5%, K25.00 DDACC, K60 Min $75, Max Citibank Zambia Limited NIL NA NA NA NIL NIL NIL NIL RTGS NIL $300 1% min USD30.00 1%min. USD50- 8 Ecobank Zambia Limited 58.00 5.00 10.00 13.00 FREE FREE FREE FREE Max USD100.00 FREE max USD150

0.5 OF T.T AMT 9 First Alliance Bank Zambia Limited MIN USD 60 MAX NIL 5.00 7.50 25.00 NIL NIL NIL NIL 50 ZMW NIL USD 250 10 First Capital Bank Zambia Limited 50.00 7.00 NA NA NA NA NA NIL 60.00 10.00 90.00 Free on Retail products and Free on 11 First National Bank Zambia Limited electronic Free on Retail channels; 140.00 if amount can otherwise be products, otherwise otherwise 1.0% of value. drawn at ATM 8.00 19.50 35.00 FREE FREE FREE FREE 6.00 Branch 80.00 Min 35 max $150

0.6% of amount, 12 Indo-Zambia Bank Limited min $20 max DDACC K25 and $250 plus swift FREE 6.00 12.00 25.00 FREE FREE FREE FREE RTGS K40 FREE charge $30

13 Investrust Bank Plc 50.00 7.00 15.00 25.00 NA NA NA NA 60.00 FREE 350.00 1% min USD35, 14 Stanbic Bank Zambia Limited 61 (for manual max USD70 plus 0.0 (120.0 - within ATM limit) 8.00 15.00 20.00 0.00 0.00 0.00 0.00 30.00 instruction) VAT 1% MIN USD 15 Standard Chartered Bank Zambia Plc 1% MIN K 10.00, 50.00, MAX 100.00 8.00 NA 25.00 NIL NIL NIL NIL MAX K100.00 NIL USD250

16 United Bank for Africa (Z) Limited 0.5% (min50 FREE 3.00 12.50 15.00 FREE FREE FREE FREE 35.00 FREE max 130) 1% of amount, min $15, max $60 or Kwacha DDACC K50.00 for equivalent for Preferred, Private & Preferred and K100.00 (OTC cash withdrawal where SME Private, 17 Zambia National Commercial Bank Plc the amount and or denominations RTGS K60.00 for 0.75% of being withdrawn can be dispensed by K20.00 + 1.5% , max Preferred & Private & amount,min $45, the ATM) for Preferred, K 50.00 for both K50.00 for SME Free for max $150 or Free for Private, K9.00 Preferred, K15.00 for both Preferred & Private, Free for Preferred, Electronic (payflexi) Preferred Kwacha Free for SME Free for Private, Preferred & Private, K15.00 + 1.5% max Free for Preferred, Free for Private ; Free for Preferred, K15.00 per entry for Free for Private, equivalent for K10.00 for SME K20.00 for SME K50.00 SME Private & SME K10.00 for SME Private & SME NA SME K20.00 for SME SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 PAYMENTS FOR OTHER SERVICES AND UNPAID

PAYMENTS FOR OTHER SERVICES UNPAID CHEQUES (ZMW) SNo. BANK Interim Replacement of lost Stop cheque Duplicate Photocopying per Drawing against Certificate of Balance Bankers' cheque Standing order statements per Refer to Drawer Uncleared effects ATM card payment statement per page page uncleared effects page K100; K200-Non 1 AB Bank Zambia Limited 60.00 NA Clients 200.00 20.00 FREE K30 standard NA BOZ Charges NA NA

2 Access Bank Zambia Limited 80 with police report, 350 with no police 510(Individual) and 2% of amount 250.00 80.00 80.00 report 0.00 25.00 50.00 0.00 840 (Corporate) 0.00 drawn ammount K250 K510 personnal administration 3 Atlas Mara Zambia K80 for K510 personnal /K840 SME & Fee plus interest customers,K100 for /K840 SME & Business @ BOZ policy + 200.00 NA Non customers 200.00 60.00 45.00 45.00 20.00 Business Banking Banking Margin

4 Bank of China Zambia Limited Customer ZMW 70.00 ;Non-customer One free statement 200.00 NA ZMW 200.00 FREE FREE per month FREE 5.00 NA NA NA

5 Barclays Bank Zambia Plc 250.00 85.00 150.00 350.00 0.00 20 per page 50 per page 20 per page 540.00 0.00 350 per item

6 Cavmont Bank Limited 840 (companies) 510 840 (companies) 200.00 60.00 104.00 200.00 20.00 50.00 50.00 10.00 (individuals) 510 (individuals) 5%

As per Statutory 7 Citibank Zambia Limited Electronic-K75.00, Within Zambi - K20.00 Instrument K508 NIL NA Manual- K100.00 NIL Outside Zambia - $15 30.00 30.00 NA NIL (Corporate) NA

8 Ecobank Zambia Limited 175.00 70.00 100.00 120.00 FREE FREE FREE 20.00 510.00 750.00 840.00

9 First Alliance Bank Zambia Limited 510 ZMW INDIVIDUAL 840 150 ZMW 50 ZMW 50 ZMW 150 ZMW 50 ZMW 25 ZMW 25 ZMW 10 ZMW ZMW CORPORATE NIL NA

10 First Capital Bank Zambia Limited 250.00 150.00 100.00 200.00 150.00 70.00 150.00 0.00 840.00 0.00 510.00

11 First National Bank Zambia Limited 100.00 online and Free Online and 33.50 110.00 70.00 200.00 300.00 FNB Branch FNB Branch FREE FREE 10.00 per page NA 510.00 405.00 Per page K30 Per page K30 AS PER ZECHL 12 Indo-Zambia Bank Limited (monthly (monthly statetement AS PER ZECHL PREVAILING K150/- per occasion NA 100.00 250.00 50.00 statetement is free) is free) K5/- Per page PREVAILING RULES RULES NA

13 Investrust Bank Plc 300.00 100.00 K100 + VAT K16 350.00 100.00 45.00 50.00 10.00 510.00 510.00 500.00

14 Stanbic Bank Zambia Limited As per Statutory As per Statutory 462.00 105.00 218.00 605.00 31.00 66.00 66.00 50.00 Instruction Instruction 0.00

K 510.00 15 Standard Chartered Bank Zambia Plc K 510.00 Individual & Individual & 1% MIN K K840.00 Non K840.00 Non 160.00, MAX K 100.00 100.00 100.00 300.00 20.00 100.00 100.00 NA Individual Individual 500.00

16 United Bank for Africa (Z) Limited 150.00 70.00 65.00 150.00 FREE 20.00 20.00 10.00 560.00 560.00 1000.00 K100.00 plus VAT per cheque for K60.00 plus VAT for Preferred 17 Zambia National Commercial Bank Plc Preferred, K150.00 plus VAT K100.00 plus VAT for per cheque for K250.00 plus VAT for K510.00 per item for Free for Preferred Private, Private Preferred and Private, Free for Preferred & Free for Preferred & Preferred & Private, Free for Private K100.00 plus VAT for K100.00 plus VAT for K300.00 plus VAT for Free for Preferred, Private, Private, K840.00 per item for K200.00 plus VAT for SME SME SME SME Private & SME Free for SME Free for SME NA SME NA NA INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 LEDGER FEES PER ENTRY, INTERNET AND TELEPHONE BANKING

LEDGER FEES PER ENTRY (ZMW) INTERNET AND TELEPHONE BANKING

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

1 AB Bank Zambia Limited FREE FREE FREE FREE NA NA NA NA NA

2 Access Bank Zambia Limited 0.00 0.00 0.00 0.00 0.00 10.00 10.00 0.00 18.00

3 Atlas Mara Zambia K40 for Businesses K15 DDACC K35 NA NA NA NA /Free for individuals NA RTGS 7.00 10.00 0.8% USD30- 0.8% USD30- 4 Bank of China Zambia Limited USD250（TT）/ZMW USD250（TT）/ZMW7 NA NA NA NA NA 70 （RTGS） 0 （RTGS） NA NA

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

6 Cavmont Bank Limited NA NA NA NA NA NA 35.00 NA NA

7 Citibank Zambia Limited NIL NIL NA NA $50 Quarterly NIL NIL NIL NIL

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

9 First Alliance Bank Zambia Limited 4.00 ZMW EXCEEDING & 5 DEBITS NIL NIL NIL 5.00 NIL 35.00 NA NA

10 First Capital Bank Zambia Limited 0.00 NA NA NA NA 40.00 NA NA NA

11 First National Bank Zambia Limited Free for Retail Free for Retail Free for Retail products, otherwise products, otherwise products, otherwise NA NA NA NA FREE ZMW6.00 ZMW6.00 ZMW6.00 NA K60 per annum Indo-Zambia Bank Limited Savings and K120 per DDACC K25 and 12 FREE FREE FREE FREE annum Current FREE RTGS K40 FREE FREE

13 Investrust Bank Plc NA NA NA NA NA 5.00 60.00 FREE 60.00

14 Stanbic Bank Zambia Limited 1.2% min ZMW7.00 max ZMW28.00 per debit 0.00 0.00 0.00 0.00 5.00 19.00 NA NA

15 Standard Chartered Bank Zambia Plc Savings Account K 1% MIN K 30.00, Current Account K 50.00 Current Account NIL 5.00 Savings Account NIL NIL NIL MAX K250.00 NA NA

16 United Bank for Africa (Z) Limited FREE FREE FREE FREE 25.00 FREE 0.50 NA NA

Free for Preferred & Transfers to other DDACC K20.00 for Private banks DDACC = 17 Zambia National Commercial Bank Plc Preferred, K2,000 and above = K20.00 for Preferred, Free for Private K7.00 for SME Private and SME K20.00 SME (RTGS) Above K2,000.00 = Transfers to other Free for Preferred, K30.00 for Preferred, K10.00 for SME banks RTGS = Free for Preferred, Free for Private Free for Private K50.00 for preferred, NA NA NA NA Private & SME K6.00 for SME K50.00 SME Private and SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2018 GENERAL CHARGES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS

ACCOUNT GENERAL CHARGES (ZMW) CLOSURE/DORMA SNo. BANK Balance Inquires Overdrawn Account Dormant per Interest charge (%) Closure Reactivation Own Bank's ATM Other Bank's ATM Over the Counter Mobile Banking month K60 Current Acc, K30 Savings Acc, K10 1 AB Bank Zambia Limited Kids savings Acc other free (account< NA NA FREE NA NA 30.00 6 months) FREE

2 ACCESS 0.00 0.00 0.00 0.00 44.50 0.00 0.00 0.00 K150 within 6 months ,Nil more than 6 3 Atlas Mara Zambia months Nil for NA NA NA NA BOZ Rate + 19% NIL deceased FREE

4 Bank of China Zambia Limited NA NA FREE NA NA FREE FREE FREE

5 Barclays Bank Zambia Plc 0.00 0.00 0.00 0.00 34.00 40.00 0.00 N/A

6 Cavmont Bank Limited NA NA NA NA 500 per incident NA 100.00 NA Min BPR, Max BPR plus 7 Citibank Zambia Limited Margin of 12.5% NA NA Nil NA (unapproved facilities) NIL NIL NIL

8 Ecobank Zambia Limited FREE FREE FREE FREE Policy Rate + margin NIL 200.00 0.00

9 First Alliance Bank Zambia Limited 3.00 5.00 NIL NA 0.00 NIL NIL NIL

10 First Capital Bank Zambia Limited NA NA NA NA 1000.00 0.00 0.00 150.00

11 First National Bank Zambia Limited Standard rates FREE FREE FREE FREE 35.25 apply NA NA

12 Indo-Zambia Bank Limited FREE 3.00 FREE FREE 37.25 FREE NA FREE

13 Investrust Bank Plc FREE FREE FREE FREE 10.00 NA NA NA

14 Stanbic Bank Zambia Limited NA NA NA NA BPR+15.5% 0.00 0.00 0.00

15 Standard Chartered Bank Zambia Plc 30% FOR INDIVIDUAL & 30.00% FOR NON NIL NA NIL NIL INDIVIDUAL 50.00 150.00 NIL

16 United Bank for Africa (Z) Limited FREE FREE FREE NA 0.18 FREE 80.00 FREE

BOZ Policy rate + 17 Zambia National Commercial Bank Plc margin , USD Base rate + margin for Preferred, Private & FREE FREE FREE FREE SME FREE FREE FREE