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.