INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)

Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK 30 Days Less than K1,000 More than K1,000 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure Tenure upto 364 days 1 AB Bank Zambia Limited 17.00, 365 days 6.00 6.00 9.00 10.00 13.00 16.00 and above 19.00 2 Access Bank Zambia Limited 3.00 4.00 10.00 10.25 10.50 8.00 8.00 3 Atlas Mara Zambia 2.50 3.00 8.00 8.50 9.50 10.00 10.50 4 Bank of China Zambia Limited NIL NIL 1.50 N/A 2.50 3.50 N/A 5 Barclays Bank Zambia Plc 1.00 various 5.00 NIL 6.20 8.00 9.30 6 Cavmont Bank Limited 3.00 3.00 7.00 8.00 10.00 11.00 14.00 7 Citibank Zambia Limited N/A N/A Max 10.09 Max 10.00 Max 9.02 Max 9.16 Max 15.95 8 Ecobank Zambia Limited 3.00 3.00 5.00 5.50 6.00 6.50 8.00 9 First Alliance Bank Zambia Limited 3.00 3.00 N/A N/A N/A 6.00 6.00 10 First Capital Bank Zambia Limited 3.00 3.00 7.00 8.00 8.50 9.00 9.25 11 First National Bank Zambia Limited 3.50 5.00 4.00 4.50 5.00 6.00 7.00 3.50 to 6.00 based on 12 Indo-Zambia Bank Limited 3.50 Account Type 5.00 5.00 6.00 7.00 8.00

13 Investrust Bank Plc 3.00 3.00 5.00 7.00 8.00 9.50 10.50 14 Stanbic Bank Zambia Limited NIL 1.50 5.50 6.00 6.50 7.00 8.25 15 Standard Chartered Bank Zambia Plc 1.00 2.00 6.00 6.00 6.00 6.00 11.00

16 United Bank for Africa (Z) Limited 3.00 3.00 9.00 10.00 11.00 12.00 15.00 17 Zambia National Commercial Bank Plc 2.00 2.00 6.50 6.83 8.33 9.33 10.17 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )

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

1 AB Bank Zambia Limited 15.84 26.34 N/A N/A N/A N/A 71.67 82.17 2 Access Bank Zambia Limited 23.00 34.00 23.00 34.00 N/A N/A 14.25 25.25 3 Atlas Mara Zambia 16.00 30.00 17.00 30.00 N/A N/A 19.00 30.00 4 Bank of China Zambia Limited 1.50 12.50 1.50 12.50 NIL NIL 5.00 16.00 5 Barclays Bank Zambia Plc 16.00 27.00 N/A N/A 10.00 21.00 N/A N/A 6 Cavmont Bank Limited 19.50 34.50 19.50 34.50 19.50 34.50 19.50 34.50 7 Citibank Zambia Limited N/A N/A N/A N/A N/A N/A N/A N/A 8 Ecobank Zambia Limited 21.00 32.00 21.00 32.00 21.00 32.00 17.00 28.00

9 First Alliance Bank Zambia Limited 9.00 22.00 9.00 22.00 N/A N/A 9.00 22.00

10 First Capital Bank Zambia Limited 19.50 31.25 22.00 33.75 19.00 30.50 22.00 33.75

11 First National Bank Zambia Limited 20.50 31.50 Incl Above Incl Above 7.50 18.50 14.50 25.40

12 Indo-Zambia Bank Limited 20.50 31.50 20.50 31.50 20.50 31.50 19.50 30.50 13 Investrust Bank Plc 24.50 35.50 24.50 35.50 N/A N/A 24.50 35.50 14 Stanbic Bank Zambia Limited 24.50 35.50 24.50 35.50 14.50 25.50 26.00 37.00

15 Standard Chartered Bank Zambia Plc 16.50 27.50 16.50 27.50 10.50 21.50 15.50 26.50 16 United Bank for Africa (Z) Limited 17.50 28.50 NIL NIL 8.00 19.00 17.50 28.50 17 Zambia National Commercial Bank Plc 18.58 31.84 21.38 34.63 15.53 28.78 15.53 28.78 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 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 NIL 20.00 NIL NIL N/A N/A N/A N/A

2 Access Bank Zambia Limited 40.00 100.00 NIL NIL 30.00 1000.00 NIL 50.00

3 Atlas Mara Zambia 50.00 300.00 35.00 N/A 100.00 1000.00 N/A N/A

4 Bank of China Zambia Limited 25.00 25.00 25.00 25.00 500.00 500.00 75.00 75.00 5 Barclays Bank Zambia Plc 40.00 250.00 30.00 NIL 500.00 200000.00 NIL NIL 6 Cavmont Bank Limited 70.00 100.00 35.00 80.00 30.00 2000.00 30.00 NIL

7 Citibank Zambia Limited

NIL NIL NIL NIL N/A N/A N/A N/A

8 Ecobank Zambia Limited 50.00 200.00 15.00 NIL 50.00 1000.00 N/A N/A

9 First Alliance Bank Zambia Limited 25.00 PER MONTH WHERE MIN BAL OF 250.00 INDIVIDUAL, USD 1,000 IS NOT MAINTAINED. N/A N/A N/A 1,000.00 CORPORATE NIL 15.00 N/A

10 First Capital Bank Zambia Limited 75.00 150.00 35.00 35.00 NIL 5000.00 150.00 200.00

11 First National Bank Zambia Limited 27.00 140.00 12.00 N/A 50.00 N/A N/A N/A

12 Indo-Zambia Bank Limited 100.00 p.m NIL 5.00 p.m 30.00 p.m 40.00 500.00 25.00 25.00

13 Investrust Bank Plc 100.00 N/A 30.00 N/A 15.00 N/A 10.00 N/A

14 Stanbic Bank Zambia Limited 5 63.00 300.00 19.00 2.00 60.00 NIL NIL NIL

15 Standard Chartered Bank Zambia Plc SAVINGS 1,500.00 50.00 60.00 50.00 50.00 500.00 CURRENT 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 NIL NIL

17 Zambia National Commercial Bank Plc 35.00 or equivalent for 50.00 Personal, 110.00 40.00 Personal, 50.00 Personal, 95.00 50.00 Personal, 500.00 750.00 for Personal, 15.00 Personal, Personal & 50.00 or 20.00 Personal, SME N/A SME 80.00 SME SME SME 1,200.00 for SME N/A for SME equivalent for SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 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 Cheque Electronic Internal Telegraphic Own Bank Other banks International Over The Counter Own Bank Other Banks Inward Clearance Outwards Clearance

0.60% MIN. USD 30, MAX 130USD 1 AB Bank Zambia Limited (Shared), + 25 0.30%, 4 Withdraws on Saving Acc USD free, 0.60% bulk cash withdrawls on 0.15% MIN. K10.00: CORRESPONDENT Current Acc & 0.65% on Savings Acc N/A N/A N/A NIL NIL 30.00 NIL MAX 100.00 NIL BANK FEE (our)

2 Access Bank Zambia Limited 1% Min USD30, Max 1% Min USD30, 25.00 5.00 10.00 NIL NIL NIL NIL NIL USD 250 NIL Max USD 250

3 Atlas Mara Zambia 1% of amount Min Min 50.00 Max 150.00 7.00 7.00 10.00 N/A N/A N/A N/A 35.00 Nil $55 max $150 0.8%, MIN 4 Bank of China Zambia Limited 0.05% if amount more USD30.00, MAX N/A N/A N/A N/A than 200,000.00 NIL NIL NIL 70.00 NIL 250.00 1% min 151.50 1% min 151.50 5 Barclays Bank Zambia Plc 1% of withdraw value, min 3 and max USD7.00 or kwacha (includes USD 15 swift (includes USD 15 28 5.00 7.00 20.00 NIL NIL NIL equivalent charge) NIL swift charge)

1% (Minimum 6 Cavmont Bank Limited USD30, Maximum 20.00 5.00 10.00 10.00 N/A N/A N/A N/A 50.00 N/A USD150) 0.75% Min $20 7 Citibank Zambia Limited FCY only 1.5% min USD15.00 N/A N/A N/A NIL NIL NIL NIL 20.00 NIL MAX $150 1% Min 8 Ecobank Zambia Limited 1% Min USD30.00, USD50.00, Max 58.00 4.00 9.00 11.00 NIL NIL NIL NIL Max USD100 NIL USD150

0.5 OF T.T AMT 9 First Alliance Bank Zambia Limited MIN USD60 MAX NIL 5.00 7.50 25.00 NIL NIL NIL NIL 50.00 NIL USD250 10 First Capital Bank Zambia Limited 20.00 7.00 15.00 30.00 N/A N/A N/A NIL 60.00 5.00 90.00 1% OF VALUE OR 11 First National Bank Zambia Limited MIN 315.00 max 140.00 8.00 19.50 35.00 NIL UP TO 5,000 THEREAFTERNIL 0.25% OF VALUENIL NIL 6.00 BRANCH 80.00; ELECTRONIC1,350.00 NIL 0.5% OF AMOUNT, MIN FREE UPTO 50,000.00 USD20, MAX 12 Indo-Zambia Bank Limited (3.00 PER 5,000.00 OR USD150 PLUS PART THEREOF MAX DDACC 25.00 AND SWIFT CHARGE 30.00 6.00 12.00 25.00 150.00) NIL NIL N/A RTGS 40.00 NIL USD30

13 Investrust Bank Plc 45.00 8.00 15.00 25.00 N/A N/A N/A N/A 60.00 N/A 350.00 1% MIN USD35.00; MAX 14 Stanbic Bank Zambia Limited USD70.00 PLUS NIL (100.00 - WITHIN ATM LIMIT) 7.00 11.00 17.00 NIL NIL NIL NIL 30.00 55.00 VAT 1% MIN USD 15 Standard Chartered Bank Zambia Plc 50.00, MAX 100.00 8.00 N/A 25.00 NIL NIL NIL NIL 1% MIN 10.00, MAX 100.00NIL USD250 0.5% MIN 50.00; 16 United Bank for Africa (Z) Limited NIL 3.00 12.50 15.00 NIL NIL NIL NIL 35.00 NIL MAX 130.00

100.00 Personal, SME Four free DDACC 50.00 for 17 Zambia National Commercial Bank Plc withdraws, 50.00 for extra withdraws Personal & SME 0.75% of RTGS 50.00 for amount,min $45, Excessive encashment of 25,000.00 15.00 + 1.5% , max Personal & SME max $150 or and above = 250.00 plus 0.2% for 50.00 for Personal, Electronic (payflexi) 15.00 for ZMW equivalent amount above 25,000.00 plus VAT for 15.00 Personal 15.00 + 1.5% max 10.00 for personal; free for Personal & 7.50 Zanaco 10.00 personal, 5.00 for Personal & both Personal & SME 8.00 Personal, 9.00 SME SME 15.00 50.00 for SME free for Personal & SME 3.00 for SME SME N/A External Customers for SME SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 PAYMENTS FOR OTHER SERVICES AND UNPAID CHEQUES

PAYMENTS FOR OTHER SERVICES UNPAID CHEQUES (ZMW)

SNo. BANK Interim Duplicate Replacement of lost Bankers' Stop cheque Photocopying per Uncleared Drawing against Certificate of Balance Standing order statements per statement per Refer to Drawer ATM card cheque payment page effects uncleared effects page page 1 AB Bank Zambia Limited 60.00 N/A 60.00 120.00 NIL NIL 30.00 Standard N/A BOZ Charges N/A N/A 510.00 (individual) 1% of amount 2 Access Bank Zambia Limited and 840.00 drawn, Min 250.00 80.00 80.00 80.00 with Police report,20.00 350.00 without Police report25.00 50.00 NIL (Corprates) NIL 300.00 250 80.00 for administration 3 Atlas Mara Zambia 50.00 for Classic,Silver and customers,100. Fee plus interest Prepaid cards 80.00 for 00 for Non @ BOZ policy + 200.00 Gold Cards customers 200.00 60.00 25.00 25.00 20.00 510.00/840.00 510.00/840.00 Margin

Customer 70.00 4 Bank of China Zambia Limited ;Non-customer 200.00 N/A 200.00 NIL NIL 20.00 20.00 5.00 NIL NIL NIL 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 510.00 510.00 350.00 per item 6 Cavmont Bank Limited 200.00 60.00 104.00 150.00 20.00 30.00 40.00 10.00 840.00 (companies) 510.00840.00 (individuals) (companies)5% 510.00 (individuals) 7 Citibank Zambia Limited 100.00 N/A 30.00 NIL 20.00 20.00 20.00 20.00 NIL 840.00 (corporate)N/A

8 Ecobank Zambia Limited 175.00 70.00 90.00 120.00 65.00 15.00 30.00 15.00 510.00 750.00 812.00

9 First Alliance Bank Zambia Limited 510.00 INDIVIDUAL 50.00 50.00 20.00 FOR 25 LEAVES,25.00 75.00 FOR 100 LEAVES50.00 10.00 10.00 N/A 840.00 CORPORATE NIL NIL

10 First Capital Bank Zambia Limited 250.00 150.00 100.00 200.00 150.00 70.00 70.00 NIL 840.00 NIL 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 45.00 45.00 10.00 per page N/A 510.00 405.00 AS PER ZECHL 12 Indo-Zambia Bank Limited AS PER ZECHL PREVAILING 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 100.00 + VAT 13 Investrust Bank Plc 300.00 50.00 Plus VAT 8.00 16.00 350.00 100.00 45.00 N/A 10.00 504.00 504.00 500.00 AS PER 14 Stanbic Bank Zambia Limited AS PER STATUTORY STATUTORY 420.00 95.00 198.00 550.00 28.00 60.00 60.00 45.00 INSTRUCTION INSTRUCTION NIL 510.00 510.00 INDIVIDUAL & INDIVIDUAL & 15 Standard Chartered Bank Zambia Plc 840.00 NON K840.00 NON 1% MIN 160.00, 100.00 100.00 100.00 300.00 20.00 100.00 100.00 N/A INDIVIDUAL INDIVIDUAL MAX 500.00 16 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

50.00 plus VAT per 50.00 plus VAT per statement for statement for 17 Zambia National Commercial Bank Plc 60.00 plus VAT for 100.00 per 250.00 plus VAT for Personal & 100.00 Personal & 100.00 510.00 per item for Personal : 100.00 plus cheque for Personal, 300.00 plus Free for Personal & plus VAT per plus VAT per Personal, 840.00 per 200.00 plus VAT for Personal & SME VAT for SME Personal & SME VAT for SME SME statement for SME statement for SME N/A item for SME N/A N/A INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 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 NIL NIL NIL NIL N/A N/A N/A N/A N/A

2 Access Bank Zambia Limited

NIL NIL 4.00 NIL NIL NIL 10.00 NIL NIL

3 Atlas Mara Zambia 40.00 for Businesses 15.00 DDAC 35.00 N/A N/A N/A N/A /NIL for individuals NIL RTGS 3.00 10.00 0.8% USD30- 0.8% USD30- 4 Bank of China Zambia Limited USD250（TT）/ZMW USD250（TT）/ZM NIL NIL NIL NIL NIL 70 （RTGS） W70 （RTGS） N/A N/A 5 Barclays Bank Zambia Plc NIL NIL NIL NIL NIL NIL 10.00 NIL 10.00

6 Cavmont Bank Limited 6.00 N/A 6.00 N/A N/A N/A 50.00 N/A N/A 7 Citibank Zambia Limited NIL NIL N/A N/A NIL NIL NIL NIL NIL

8 Ecobank Zambia Limited NIL NIL NIL NIL NIL NIL N/A N/A N/A 9 First Alliance Bank Zambia Limited 3.00 ZMW EXCEEDING 5.00 DEBITS NIL N/A N/A 45.00 NIL N/A N/A N/A

10 First Capital Bank Zambia Limited NIL N/A N/A N/A NIL NIL 60.00 N/A N/A

First FNB ATM 11 First National Bank Zambia Limited Withdrawal Free, Thereafter 20.00 NA 20.00 NIL NIL 3.50 8.00 8.00 N/A 60.00 per annum Indo-Zambia Bank Limited Savings and 120.00 25.00 DDACC and 12 NIL NIL NIL NIL per annum Current NIL & 40.00 RTGS NIL NIL 13 Investrust Bank Plc N/A N/A N/A N/A 10.00 15.00 N/A 7.00 60.00

14 Stanbic Bank Zambia Limited 1.2% min 6.00 max 28.00 per debit NIL NIL NIL NIL NIL NIL N/A N/A

15 Standard Chartered Bank Zambia Plc SAVINGS A/C 1% MIN 30.00, 50.00 CURRENT A/C NIL 5.00 SAVINGS A/C NIL NIL NIL MAX 250.00 N/A N/A

16 United Bank for Africa (Z) Limited NIL NIL NIL NIL 25.00 NIL 1.00 NA NA 100.00 and below = 4.00 and 1.00 SME Above K 100.00 to 250.00 = 5.00 and 2.00 SME 17 Zambia National Commercial Bank Plc Above 250.00 to 500.00 = 6.00and 3.50 SME Above 500.00 to 2,000 Transfers to other 6.00 for Personal & 20.00 for Personal =7.00 and 6.00 SME banks 20.00 and N/A N/A N/A N/A free for Personal & SME 6.00 SME & 20.00 SME Above 2,000 = 9.50 20.00 SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 September 2017 GENERAL CHARGES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS

ACCOUNT GENERAL CHARGES (ZMW) CLOSURE/DORMA SNo. BANK Balance Inquires Overdrawn Account Over the Dormant per Interest charge (%) Closure Reactivation Own Bank's ATM Other Bank's ATM Counter Mobile Banking month 60.00 Current Acc, 1 AB Bank Zambia Limited N/A N/A NIL N/A N/A 20.00 other free NIL 2 ACCESS NIL NIL NIL NIL 43.00 ledger fees 100.00 20.00 150.00 within 6 months ,100.00 3 Atlas Mara Zambia more than 6 3.00 3.00 5.00 25.00 BOZ Rate + 19% NIL months Nil for NIL

4 Bank of China Zambia Limited N/A N/A NIL N/A N/A 25.00 50.00 NIL

5 Barclays Bank Zambia Plc NIL NIL NIL NIL 34.00 NIL NIL N/A Applicable 6 Cavmont Bank Limited maintenance fee/ 0.50 0.50 N/A N/A 500 Per incident account type 75.00 N/A Min BPR 12.5% , Max 7 Citibank Zambia Limited BPR plus margin of N/A N/A NIL N/A 15% NIL NIL NIL

8 Ecobank Zambia Limited NIL 1.20 2.50 1.20 Policy Rate + margin NIL 200.00 50.00

9 First Alliance Bank Zambia Limited 3.00 5.00 NIL N/A NIL NIL 50.00 NIL

10 First Capital Bank Zambia Limited N/A N/A N/A N/A K1000.00 NIL NIL 150.00

11 First National Bank Zambia Limited NIL 5.00 12.50 NIL 36.50 Standard rates apply N/A N/A

12 40.00 Savings and 100.00 Savings and Indo-Zambia Bank Limited NIL 3.00 NIL NIL 33.00 NIL 100.00 current 150.00 current 13 Investrust Bank Plc 2.00 N/A 10.00 1.40 18.25 N/A 100.00 N/A 14 Stanbic Bank Zambia Limited NIL N/A 20.00 N/A BPR+15.5% NIL NIL NIL

15 Standard Chartered Bank Zambia Plc 30% FOR INDIVIDUAL & 30% FOR NON NIL N/A NIL NIL INDIVIDUAL 50.00 150.00 NIL 16 United Bank for Africa (Z) Limited NIL NIL NIL N/A NIL NIL 80.00 NIL K 100.00 Personal and foreign currency accounts 17 Zambia National Commercial Bank Plc 20.00 for ATM BOZ Policy rate + K170.00. SME eligible margin , USD Base K170.00 and 4.00 for Personal and 3.50 accounts. Free rate +/- margin for foreign currency 2.50 for Personal and 2.00 SME SME for SME 2.00 for Personal Personal & SME NIL accounts K225.00 NIL for Personal & SME