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INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2020AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)Savings Account (%)SNo. BANKLess than K1,0001AB Bank Zambia Limited2ABSA Bank Zambia3Access Bank Zambia Limited4Atlas Mara Zambia5Bank of China Zambia Limited6Cavmont Bank Limited7Citibank Zambia Limited8Ecobank Zambia Limited9First Alliance Bank Zambia Limited10First Capital Bank Zambia Limited11First National Bank Zambia Limited12Indo-Zambia Bank Limited13Investrust Bank Plc14Stanbic Bank Zambia Limited15Standard Chartered Bank Zambia Plc16United Bank for Africa (Z) Limited17Zambia Industrial Commercial Bank18Zambia National Commercial Bank PlcMore than K1,000Time Deposits of K10,000 or above (%)30 Days Tenure60 Days Tenure90 Days Tenure180 Days Tenure360 Days Tenure6.00%6.00%9.50%10.00%12.5% - 14%15% - 16%18% - %11.50%13.00%Max 1%Max 1.00%14.00%N/AN/AMax. 11.86%Max. 12.22%Max. 16.50%Max. 21.25%Max. 0%10.00%13.00%16.00%

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2020AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )PERSONAL LOANS (%)SNo.Salary BackedBANKMargin above BOZ Rate1AB Bank Zambia Limited2ABSA Bank Zambia3Access Bank Zambia Limited4Atlas Mara Zambia5Bank of China Zambia Limited6Cavmont Bank Limited7Citibank Zambia Limited8Ecobank Zambia Limited9First Alliance Bank Zambia Limited10First Capital Bank Zambia Limited11First National Bank Zambia Limited12Indo-Zambia Bank Limited13Investrust Bank Plc14Stanbic Bank Zambia Limited15Standard Chartered Bank Zambia Plc16United Bank for Africa (Z) Limited17Zambia Industrial Commercial Bank18Zambia National Commercial Bank PlcLending Interest RateOther LoansMargin above BOZRateMORTGAGE LOANS (%)Lending InterestRateMargin above BOZRateLending InterestRateLENDING TO SMEs (%)Margin above BOZRateLending Interest 24.31%15.98%27.48%

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2020MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUMMONTHLY MAINTENANCE FEES (ZMW)SNo.BANKCurrent Account (ZMW)Basic Type1AB Bank Zambia Limited2ABSA3Access Bank Zambia Limited4Atlas Mara Zambia5Bank of China Zambia Limited6Cavmont Bank Limited7Citibank Zambia Limited8Ecobank Zambia Limited9First Alliance Bank Zambia Limited10First Capital Bank Zambia Limited1112First National Bank Zambia LimitedIndo-Zambia Bank Limited13Investrust Bank Plc14Stanbic Bank Zambia Limited15Standard Chartered Bank Zambia Plc16United Bank for Africa (Z) Limited1718Zambia Industrial Commercial BankZambia National Commercial Bank PlcHigh-end Market TypePENALTY FEES FOR BALANCES BELOWMINIMUM (ZMW)MINIMUM BALANCE (ZMW)Savings Account ZMW ( For Accounts witha Cheque Book)High-end MarketBasic TypeTypeBasic TypeHigh-end MarketTypeBasic TypeHigh-end Market TypeFREEK30.00FREEFREEK30-Savings Acc; K10Kids Savings .00K75.00K70.00K150 on ZMW Accounts 15 on Foreign CurrencyAccountsK100.00K150 on ZMW Accounts 15 on Foreign 0.00NILNIL25 ZMW PER MONTH WHEREMIN BAL OF USD 1,000 IS 00K200.00K27.00K140.00FREEN/AK50.00N/AN/AN/AK100 p.mFREEFREEK30 0NILNILK50.00K50.00FREENILK30-Savings Acc; K10Kids Savings AccN/AK50.00K70.00N/AN/AK500.00Savings 1,500.00Current K .000 - Current Account,K100.00 - SavingsAccountNo interest paidK7,500.000 - Current Account,K500.00 - SavingsAccountNILK60.00 for PreferredK110.00 for SME - BusinessAdvantageK300.00 club fee: Free forbalances of K150,000 andabove for Private,K250.00 for SME - UltraBusinessFree for Preferred,N/A for both BusinessAdvantage and UltraBusinessFree for Private,N/A for both BusinessAdvantage and UltraBusinessK350.00 for Preferred,N/A for BusinessAdvantage and UltraBusinessK500.00 for Private,N/A for BusinessAdvantage and UltraBusinessN/ANo interest paidNILN/A

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2020WITHDRAWAL, ATM, FUNDS TRANSFERS, INTERNET AND MOBILE BANKINGSNo. BANK12AB Bank Zambia LimitedOver the counter (where theamount or denominationscanbe dispensed at the ATM)WITHDRAWAL (ZMW)ATM Per TransactionLocal0.40%, K4 min, 2 Withdraws onSaving Acc free, 0.65% on bulkcash withdrawals on Savings Accmax K1800N/ANILInternational3Access Bank Zambia Limited4Atlas Mara Zambia5Bank of China Zambia Limited6Cavmont Bank LimitedN/AK20.001% min zmk 151.51% min zmk 151.5(includes USD 15 swift (includes USD 15 0K3.50K18.00N/AK15 DDACC K35RTGSK7.00K10.00K20.00K5.00K10.00Min K50 Max K150K7.00N/A1% Min USD 35 Max1501% Min USD 35 Max obank Zambia LimitedFREEK5.00K13.009First Alliance Bank Zambia Limited10First Capital Bank Zambia Limited11First National Bank Zambia LimitedStanbic Bank Zambia Limited151617Standard Chartered Bank Zambia PlcUnited Bank for Africa (Z) Limited0.5 OF T.T AMT MINUSD 60 MAX USD 250K5.00K25.00K50.00K7.00N/A140.00 if amount can otherwisebe drawn at ATMK8.00K35.00K60.00Free on Retailproducts, otherwise6.00FREEK25.000.6% of amount, minDDACC K25 and RTGS 20 max 250 plusK40swift charge 30K90.001.0% of value. Min 35max 150K50.00K8.00K25.00K60.00 30, 1% min 40 max 1500.0 (120.0 - within ATM limit)K8.00K20.0030.0 (for electronicinstruction)K110.00K100.00K8.00K25.001% MIN K 10.00, MAX 1% MIN USD 50.00,K100.00MAX USD250FREEK4.002.8% of transactionamount50.00Zambia Industrial Commercial BankZambia National Commercial Bank Plc0.8%, MIN USD30.00,MAX USD250.00USD30Electronic - 1%, Min 50, Max 150Manual - 1.5%, Min 75, Max 3001%min. USD50-maxUSD150N/AK7.0018USD30K25.00 DDACC, K60RTGS1% min USD30.00Max USD100.00NILIndo-Zambia Bank Limited14K100.00 (OTC cash withdrawalwhere the amount and ordenominations being withdrawncan be dispensed by the ATM)for Preferred,Free for Private,Free for Business Advantage andUltra BusinessK9.00K9.00 Preferred (Zanaco ATMs),Free for Private (Zanaco ATMs),K10.00 for Business Advantageand Ultra Business (ZanacoATMs),K15.00 for Preferred & Private(Other Banks' ATMs - Local),K20.00 for Business Advantageand Ultra Business (Other Banks'ATMs - Local)Other Banks' PlatformN/ACitibank Zambia LimitedInvestrust Bank PlcOwn Bank's PlatformN/A813INTERNET AND MOBILE BANKING (ZMW)MOBILE BANKINGOther Banks'PlatformN/A1% min USD50 maxUSD150 plus Swiftcharge USD30K6.00Own Bank'sPlatformN/A712Electronic (Local)INTERNETTelegraphic(International)0.60% Min. 50USD,Max.200 USD(our), 70 USDcorrespodent bank fee(our)0.2% min K12; max.K120ABSAK8.00FUNDS TRANSFERS (ZMW)Outwards ClearanceK19.00K20.00 1.5%, maxK50.00 for bothPreferred & Private,K15.00 1.5%, maxK50.00 for BusinessAdvantageK20.00 1.5%, maxK50.00 for UltraBusiness0.5% (minUSD50 maxUSD130)(1% of amount, Min 20.00 Max 250) 30.00 Swift charge 30.00DDACC K10.00 , RTGS correspondenceK40.00chargesDDACCDDACC K50.00 forPreferred & PrivateDDACC K50.00 forBusiness Advantage &Ultra BusinessRTGSRTGS K60.00 forPreferred & PrivateRTGS K50.00 forBusiness AdvantageRTGS K80.00 for UltraBusiness1% of amount, min 15, max 60 orKwacha equivalent forPreferred and Private,0.75% of amount, min 45, max 150 forBusiness Advantage1% of amount, min 45, max 100 forUltra Business0.8% USD300.8% USD30USD250（TT）/ZMW USD250（TT）/ZMW770 （RTGS）0 NILNILNILK35.00N/AN/AK40.00Free for Retailproducts, otherwiseZMW6.00N/AFree for Retailproducts, otherwiseZMW6.00N/AN/AFree for Retail products,otherwise ZMW6.00N/AFREEDDACC K25 and NIL1% MIN K 30.00, MAXK250.00N/AN/AFREEN/AN/AN/AInternal fundstransfer charge forRetail Customerspaid to 3rd partyaccounts – K0.00DDACC K10.00 ,RTGS K40.00NILDDACC K10.00 , RTGS K40.00Free for Preferred,Free for PrivateK6.00 for BusinessAdvantage and UltraBusinessDDACCK20 for Preferred,Free for Private,K20 for BusinessAdvantage and UltraBusiness,RTGSK30.00 for Preferred,Free for Private,K50 for BusinessAdvantage,K80 for UltraAdvantageFree for Preferred & PrivateK2,000 and below K7.00for Business Advantage andUltra BusinessAbove K2,000.00 K10.00 for BusinessAdvantage and UltraBusinessDDACCTransfers to other banks DDACC K20.00 for Preferred & Private,Transfers to other banks DDACC K20.00 for BusinessAdvantage and Ultra Business.RTGSTransfers to other banks RTGS K50.00 for preferred & Private,Transfers to other banks RTGS K50.00 Business Advantage.Transfers to other banks RTGS K80.00 Ultra Business,

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2020PAYMENTS FOR OTHER SERVICES AND GENERAL CHARGESPAYMENTS FOR OTHER SERVICESSNo.BANKCertificate of Balance1Stop chequepaymentStanding orderGENERAL CHARGES (ZMW)Duplicatestatement perpageDrawing againstuncleared effects (%)Interest charge onoverdrawn account (%)Dormant account charge permonthABSA3Access Bank Zambia Limited4Atlas Mara Zambia5Bank of China Zambia Limited6Cavmont Bank Limited7Citibank Zambia Limited8Ecobank Zambia Limited9First Alliance Bank Zambia Limited10First Capital Bank Zambia Limited11First National Bank Zambia Limited12Indo-Zambia Bank Limited13Investrust Bank Plc14Stanbic Bank Zambia Limited15Standard Chartered Bank Zambia PlcN/AN/AK30.00350 per item34.00%K40.00NILK50.002% of amount drawnammount44.50%NILK60.00K45.00K250 administrationFee plus interest @BOZ policy MarginBOZ Rate 19.5%NILNILK150 within 6months ,Nil morethan 6 months Nilfor NILNILK50.005.00%Within 3 months K30.00More than 3 months K40.00N/ABPR MarginWithin Zambia K20.00Outside Zambia - 15Min BPR, Max BPR plusMargin of 12.5%(unapproved facilities)NILNILK120.00FREEK35.00K750.00Policy Rate 0.00K200.00100.00 online and300.00 FNB BranchFree Online and 33.50FNB BranchK405.0032.25%N/AN/AK50/- Individual and K150/CorporateK100.00K100.00K250.00K50.00FREEPer page K25(monthlystatetement is free)1.50% (min ZMW200/-)39.00%FREEFREEK300.00K100.00K100 VAT 0K105.00K218.00K605.00K31.00K66.00NILBPR 17%NILNILK100.001% MIN K 160.00,MAX K 500.0030% FOR INDIVIDUAL &30.00% FOR EFREEK 10.00 per page,Min K20.00Deal Driven20% p.aNILNILN/AUnauthorised OverdrawnAccountsBOZ Policy rate 21.5%for ZMW - Preferred,Private, BusinessAdvantage and UltraBusinessUSD Base rate 6% forUSD - Preferred, Private,Business Advantage andUltra BusinessFREEFREEK60.00N/AK100; 0.00N/AK80 forcustomers,K100 forNon customersK200.00K200.00N/ACustomer ZMW70.00 ;Noncustomer 00,Manual- .00K200.0016United Bank for Africa (Z) Limited17Zambia Industrial Commercial BankAccount Closure(within 6months)K60 Current Acc,K30 Savings Acc,K10 Kids savingsAcc other free(account 6months)AB Bank Zambia Limited218Replacement of lost ATM card Bankers' chequeK200.00K20.00K350.0080 with police report,350 with no .00K70.00K90.00K150.00N/AK100.00 - ZICBCustomer, K150.00Non ZICB CustomerK350.00FREECheque Stop PaymentInstruction – K350.00without police report,K80.00 With PoliceManual – K30.00.ReportElectronic FreeZambia National Commercial Bank PlcFree for PreferredK60.00 plus VAT for Preferred,Free for PrivateK100.00 plus VAT for Private,Free for Business Advantage and K100.00 plus VAT for BusinessUltra BusinessAdvantage and Ultra BusinessK100.00 plus VAT percheque for PreferredK150.00 plus VAT percheque for PrivateK100.00 plus VAT forBusiness Advantageand Ultra BusinessK250.00 plus VAT forPreferred and Private,K300.00 plus VAT forBusiness Advantageand Ultra BusinessK20.00Free for Preferred,Private, BusinessAdvantage and UltraBusinessK30 standard50 per pageK60 plus VAT forPreferred,Free for Private,Free for BusinessAdvantage and UltraBusiness

8 Ecobank Zambia Limited K50.00 K200.00 NIL NIL K50.00 K1,000.00 NIL NIL 9 First Alliance Bank Zambia Limited 25 ZMW PER MONTH WHERE MIN BAL OF USD 1,000 IS NOT MAINTAINED. K25.00NIL K250.00 K1,000.00 10 First Capital Bank Zambia Limited K125.00 K150.00 N/A K75.00 K1,000.00 K5,000.00 K150.00 K200.00 11 First National Bank Zambia Limited