FNB Zambia Pricing Guide - Including Foreign Currency Account Pricing

Terms and Conditions Applywww.fnbzambia.co.zm

Pricing Options Future AccountPay as You Use (Only)

Currency ZMKMonthly Account Fee 10,000Your monthly account fee includes;Electron Debit Card Fee

Includes 2 free Debits

Monthly Subscription FeesinContact, FNB Cellphone and Online Banking 1,000 Electronic TransactionsPayments Debit Orders 25,000 Card PurchasesVisa Electron Debit Card 500 Prepaid PurchasesFNB ATM, Cellphone or Online Banking 500 Account PaymentsCellphone, ATM and Online Banking 10,000 Scheduled Payments 10,000 Linked Account TransfersCellphone, ATM and Online Banking 5,000 Scheduled Transfers 5,000 Cash Withdrawals

FNB ATM

1 - 250K 2,000 251 - 500K 4,000 501 - 750K 6,000 751+ 8,000

FNB Mini ATM 50% of ATM FeeDepositsCheques Free

FNB ATM Cash deposit2 000 000 per month free thereafter 0.15% of value

Balance EnquiriesFNB ATM FreeCellphone Banking (Single/All accounts) 500 FNB Branch TransactionsCash Withdrawals 40,000 + 0.15% of valueAccount Payments 40,000 Account Transfers 40,000

Cash Deposits2 000 000 per month free

thereafter 0.15%Balance Enquiries 1,000 Other Bank's ATMsCash withdrawals 5,000 + ATM FeeBalance Enquiries 1500International ATM Cash Withdrawal 15,000 Other Account related feesSpecial InstructionsBank Cheque 60,000ENC Upliftment Fee/Special Clearance (per deposit)

350,000

Scheduled Payment Setup & Amendment Fee (Online Banking) Free (if functionality exists)Scheduled Payment Setup & Amendment (FNB Branch)

20,000

StatementsDaily 20,000Weekly 10,000Bi-Weekly 5,000Provisional Statement and/or Detailed Balance Enquiries(Online Banking) FreeMini Statement (FNB ATM & Cellphone Banking) 500Historical Pre-Paid Statement (Cellphone Banking) 500Provisional Statement (per page) (Branch and Telephone Banking)

12,500

Stop Payments Online Banking 60,000FNB Branch 200,000Penalty FeesDishonoured Payment 350,000Honouring Fee (charged when you exceed your account limit) 350,000Card Replacement Fee (per card) 75,000Deposit of Post Dated Cheques (per cheque) 150,000Value Added ServicesEmail 250SMS 400Fax 1,500Monthly 400Weekly 1,500Daily 7,500MiscellaneousCertificate of Balance 150,000Certification of Documents (per item) 75,000Commissioner of Oaths 100,000Auditors Reports 250,000Photocopying (per page) 10 000Sealing of Documents 100,000Telephone - Local 75,000Telephone - Foreign 200,000

Future Account

Pricing Options Smart AccountPay as You Use (Only)

Currency ZMKMonthly Account Fee 20,000Your monthly account fee includes;Electron Debit Card Fee

Included

Monthly Subscription FeesinContact,FNB Cellphone and Online Banking 1,000 Electronic TransactionsPayments Debit Orders 25,000 Card PurchasesVisa Electron Debit Card 500 Prepaid PurchasesFNB ATM, Cellphone or Online Banking 500 Account PaymentsCellphone, ATM and Online Banking 10,000 Scheduled Payments 10,000 Linked Account TransfersCellphone, ATM and Online Banking 5,000 Scheduled Transfers 5,000 Cash Withdrawals

FNB ATM

1 - 250K 2,000 251 - 500K 4,000 501 - 750K 6,000 751+ 8,000

FNB Mini ATM 50% of ATM FeeDepositsCheques Free

FNB ATM Cash deposit2 000 000 per month free thereafter 0.15% of value

Balance EnquiriesFNB ATM FreeCellphone Banking (Single/All accounts) 500 FNB Branch TransactionsCash Withdrawals 40,000 + 0.15% of valueAccount Payments 40,000 Account Transfers 40,000

Cash Deposits2 000 000 per month free

thereafter 0.15%Balance Enquiries 1,000 Other Bank's ATMsCash withdrawals 5,000 + ATM FeeBalance Enquiries 1500International ATM Cash Withdrawal 15,000 Other Account related feesSpecial InstructionsBank Cheque 60,000ENC Upliftment Fee/Special Clearance (per deposit)

350,000

Scheduled Payment Setup & Amendment Fee (Online Banking) Free (if functionality exists)Scheduled Payment Setup & Amendment (FNB Branch)

20,000

StatementsDaily 20,000Weekly 10,000Bi-Weekly 5,000

Provisional Statement and/or Detailed Balance Enquiries(Online Banking) Free

Mini Statement (FNB ATM & Cellphone Banking) 500Historical Pre-Paid Statement (Cellphone Banking) 500Provisional Statement (per page) (Branch and Telephone Banking)

12,500

Stop Payments Online Banking 60,000FNB Branch 200,000Penalty FeesDishonoured Payment 350,000Honouring Fee (charged when you exceed your account limit) 350,000Card Replacement Fee (per card) 75,000Deposit of Post Dated Cheques (per cheque) 150,000Value Added ServicesEmail 250SMS 400Fax 1,500Monthly 400Weekly 1,500Daily 7,500MiscellaneousCertificate of Balance 150,000Certification of Documents (per item) 75,000Commissioner of Oaths 100,000Auditors Reports 250,000Photocopying (per page) 10 000Sealing of Documents 100,000Telephone - Local 75,000Telephone - Foreign 200,000

Smart Account

Pricing Options Savings Account

How does this pricing option work? If you maintain a balance of 2 000 000 ZMK then you get 2 free debits and don't pay the monthly fee. Thereafter, normal debits are charged at 40,000 ZMK

Currency ZMKMonthly Account Fee 20,000 but waived if min bal of 2m maintainedYour monthly account fee includes;Electron Debit Card Fee

Includes 2 free Debits, thereafter 40,000 per item as below

Monthly Subscription FeesinContact,FNB Cellphone and Online Banking 1,000 Electronic TransactionsPayments Debit Orders BlockedCard PurchasesVisa Electron Debit Card 1st 2 of all debits Free, thereafter 40,000Prepaid PurchasesFNB ATM, Cellphone or Online Banking BlockedAccount PaymentsCellphone, ATM and Online Banking BlockedScheduled Payments BlockedLinked Account TransfersCellphone, ATM and Online Banking 1st 2 of all Debits Free, thereafter 40,000Scheduled Transfers BlockedCash WithdrawalsFNB ATM 1st 2 of all Debits Free, thereafter 40,000FNB Mini ATM 1st 2 of all Debits Free, thereafter 40,000DepositsCheques Free

FNB ATM Cash deposit2 000 000per month free thereafter 0.15% of value

Balance EnquiriesFNB ATM FreeCellphone Banking (Single/All accounts) FreeFNB Branch TransactionsCash Withdrawals 1st 2 of all Debits Free, thereafter 40,000Account Transfers 1st 2 of all Debits Free, thereafter 40,000

Cash Deposits2 000 000 per month free

thereafter 0.15%Balance Enquiries FreeOther Bank's ATMsCash withdrawals 5,000 + ATM FeeBalance Enquiries 1500International ATM Cash Withdrawal 15,000 Other Account related feesSpecial InstructionsBank Cheque 60,000ENC Upliftment Fee/Special Clearance (per deposit)

350,000

Scheduled Payment Setup & Amendment Fee (Online Banking) BlockedScheduled Payment Setup & Amendment (FNB Branch)

Blocked

StatementsMonthly Statement NoProvisional Statement and/or Detailed Balance Enquiries(Online Banking) FreeMini Statement (FNB ATM & Cellphone Banking) FreeHistorical Pre-Paid Statement (Cellphone Banking) FreeProvisional Statement (per page) (Branch and Telephone Banking)

12,500

Penalty FeesDishonoured Payment 350,000Honouring Fee (charged when you exceed your account limit) 350,000Card Replacement Fee (per card) 75,000Deposit of Post Dated Cheques (per cheque) 150,000Value Added ServicesMonthly 400Weekly 1,500Daily 7,500MiscellaneousCertificate of Balance 150,000Certification of Documents (per item) 75,000Commissioner of Oaths 100,000Auditors Reports 250,000Photocopying (per page) 10 000Sealing of Documents 100,000Telephone - Local 75,000Telephone - Foreign 200,000

Savings Account

Pricing OptionsPersonal Cheque Account

Unlimited Option Pay as You Use

How does this pricing option work? For a fixed fee per month you get unlimited electronic transactions no matter how many

you do.

You are charged for each transaction at the applicable fee

Currency ZMK ZMKMonthly Account Fee 40,000 Your monthly account fee includes;Electron Debit Card Fee

Included Included

Monthly Subscription FeesinContact,FNB Cellphone and Online Banking 2,000 2,000 Electronic TransactionsPayments Debit Orders Unlimited 25,000 Card PurchasesVisa Electron Debit Card Unlimited 500 Prepaid PurchasesFNB ATM, Cellphone or Online Banking Free 500 Account PaymentsCellphone, ATM and Online Banking Unlimited 10,000 Scheduled Payments Unlimited 10,000 Linked Account TransfersCellphone, ATM and Online Banking Unlimited 5,000 Scheduled Transfers Unlimited 5,000 Cash Withdrawals

FNB ATM Unlimited

1 - 250K 2,000 251 - 500K 4,000 501 - 750K 6,000 751+ 8,000

FNB Mini ATM Unlimited 50% of ATM FeeDepositsCheques Free Free

FNB ATM Cash deposit Free2 000 000 per month free thereafter 0.15% of value

Balance EnquiriesFNB ATM Free FreeCellphone Banking (Single/All accounts) Free 500 FNB Branch Transactions

Cheque payment 15000.00

1 - 500K 2,500 501 - 1m 5,000 1m - 1.5m 7,500 1.5m+ 10,000

Cash Withdrawals 50,000 + 0.15% of value 40,000 + 0.15% of valueAccount Payments 50,000 40,000 Account Transfers 50,000 40,000

Cash Deposits2 000 000 per month free

thereafter 0.15%2 000 000 per month free

thereafter 0.15%Balance Enquiries 1,000 1,000 Other Bank's ATMsCash withdrawals 15000 5,000 + ATM FeeBalance Enquiries Unlimited 1500International ATM Cash Withdrawal 15,000 15,000 Other Account related feesSpecial InstructionsBank Cheque 60,000 60,000ENC Upliftment Fee/Special Clearance (per deposit)

350,000 350,000

Scheduled Payment Setup & Amendment Fee (Online Banking) Free (if functionality exists) Free (if functionality exists)Scheduled Payment Setup & Amendment (FNB Branch)

20,000 20,000

StatementsMonthly Statement Free FreeDaily 20,000 20,000Weekly 10,000 10,000Bi-Weekly 5,000 5,000Provisional Statement and/or Detailed Balance Enquiries(Online Banking) Free FreeMini Statement (FNB ATM & Cellphone Banking) 500 500Historical Pre-Paid Statement (Cellphone Banking) 500 500Provisional Statement (per page) (Branch and Telephone Banking)

12,500 12,500

Stop Payments Online Banking 60,000 60,000FNB Branch 200,000 200,000Penalty FeesDishonoured Payment 350,000 350,000Honouring Fee (charged when you exceed your account limit) 350,000 350,000Card Replacement Fee (per card) 75,000 75,000Deposit of Post Dated Cheques (per cheque) 150,000 150,000Value Added ServicesEmail 250 250SMS 400 400Fax 1,500 1,500Monthly 400 400Weekly 1,500 1,500Daily 7,500 7,500Loans & OverdraftsOverdraft Annual Facility Fee 3% min 150,000 3% min 150,000Penalty Interest 3.0% 3.0%Personal Loan - Arrangement Fee 2% min 100,000 2% min 100,000 MiscellaneousCertificate of Balance 150,000 150,000Certification of Documents (per item) 75,000 75,000Commissioner of Oaths 100,000 100,000Auditors Reports 250,000 250,000Photocopying (per page) 10 000 10 000Sealing of Documents 100,000 100,000Telephone - Local 75,000 75,000Telephone - Foreign 200,000 200,000

Personal Cheque Account

Pricing Options Call Account

Currency ZMKElectronic TransactionsAccount PaymentsCellphone, ATM and Online Banking 10,000 Scheduled Payments 10,000 Linked Account TransfersCellphone, ATM and Online Banking FreeScheduled Transfers FreeDepositsCheques Free

FNB ATM Cash deposit Free

FNB Branch TransactionsCash Withdrawals 0.15% of value Account Payments 40,000 Account Transfers 40,000

Cash Deposits2 000 000 per month free

thereafter 0.15%Other Account related feesSpecial InstructionsENC Upliftment Fee/Special Clearance (per deposit)

350,000

Penalty FeesEarly Redemption of Fixed Deposit 150,000Salary ProcessingManual - InterbankManual - Electronic

Call Account

Pricing Options Business Cheque Account (PAYU)

Currency ZMKMonthly Account Fee 80,000 Your monthly account fee includes;Electron Debit Card Fee

Included

Monthly Subscription FeesinContact,FNB Cellphone and Online Banking 5000Electronic TransactionsPayments Debit Orders 25,000 Card PurchasesVisa Electron Debit Card 500 Prepaid PurchasesFNB ATM, Cellphone or Online Banking 500 Account PaymentsCellphone, ATM and Online Banking 10,000 Scheduled Payments 10,000 Linked Account TransfersCellphone, ATM and Online Banking 5,000 Scheduled Transfers 5,000 Cash Withdrawals

FNB ATM

1 - 250K 2,000 251 - 500K 4,000 501 - 750K 6,000 751+ 8,000

FNB Mini ATM 50% of ATM FeeDepositsCheques Free

FNB ATM Cash deposit 0.15% of value

Deposit Books 35,000Balance EnquiriesFNB ATM FreeCellphone Banking (Single/All accounts) 500 FNB Branch Transactions

Cheque payment

1 - 500K 2,500 501 - 1m 5,000 1m - 1.5m 7,500 1.5m+ 10,000

Cash Withdrawals 40,000 + 0.15% of valueAccount Payments 40,000 Account Transfers 40,000

Cash Deposits 0.15% of value

Balance Enquiries 1,000 Other Bank's ATMsCash withdrawals 5,000 + ATM FeeBalance Enquiries 1500International ATM Cash Withdrawal 15,000 Other Account related feesSpecial InstructionsBank Cheque 60,000ENC Upliftment Fee/Special Clearance (per deposit)

350,000

Scheduled Payment Setup & Amendment Fee (Online Banking) Free (if functionality exists)Scheduled Payment Setup & Amendment (FNB Branch)

20,000

StatementsMonthly Statement FreeDaily 20,000Weekly 10,000Bi-Weekly 5,000Provisional Statement and/or Detailed Balance Enquiries(Online Banking) FreeMini Statement (FNB ATM & Cellphone Banking) 500Historical Pre-Paid Statement (Cellphone Banking) 500Provisional Statement (per page) (Branch and Telephone Banking)

12,500

Stop Payments Online Banking 60,000FNB Branch 200,000Penalty FeesDishonoured Payment 350,000Honouring Fee (charged when you exceed your account limit) 350,000Card Replacement Fee (per card) 75,000Deposit of Post Dated Cheques (per cheque) 150,000Value Added ServicesEmail 250SMS 400Fax 1,500Monthly 400Weekly 1,500Daily 7,500Loans & OverdraftsOverdraft Annual Facility Fee 3% min 150,000Penalty Interest 3.0%Personal Loan - Arrangement Fee 2% min 100,000 MiscellaneousCertificate of Balance 150,000Certification of Documents (per item) 75,000Commissioner of Oaths 100,000Auditors Reports 250,000Photocopying (per page) 10 000Sealing of Documents 100,000Telephone - Local 75,000Telephone - Foreign 200,000Salary ProcessingManual - Interbank 50,000Manual - Electronic 25,000

Business Cheque Account

Pricing OptionsForeign Currency Accounts (Personal/Business Cheque Account only)

Pay as You Use Pay as You Use Pay as You Use Pay as You Use

How does this pricing option work? You are charged for each

transaction at the applicable fee

Limited transactions

You are charged for each transaction at the

applicable fee Limited transactions

You are charged for each transaction at the

applicable fee Limited transactions

You are charged for each transaction at the

applicable fee Limited transactions

Currency USD GBP EUR ZARMonthly Account Fee 15 7.50 10 150 Monthly Subscription FeesinContact,FNB Cellphone and Online Banking 0.25 0.12 0.15 2.50 Electronic TransactionsFNB Branch TransactionsCheque payment 1.50 0.75 1.15 15.00Cash Withdrawals 1.50 0.75 1.15 15.00Account Payments 1.50 0.75 1.15 15.00Account Transfers 1.50 0.75 1.15 15.00

Cash Deposits 500 free p.m then 0.15% 250 free p m then 0.15% 350 free p m then 0.15% 5000 p. m free then 0.15%

Balance Enquiries 0.25 0.12 0.15 2.50 Other Account related feesSpecial InstructionsENC Upliftment Fee/Special Clearance (per deposit)

35.00 18.00 25.00 350.00

StatementsProvisional Statement (per page) (Branch and Telephone Banking)

3.00 1.50 2.25 30.00

Stop Payments Online Banking 7.50 3.75 5.00 75FNB Branch 15.00 7.50 10.00 150Penalty FeesDishonoured Payment 35.00 18.00 25.00 350.00

Foreign Currency Accounts

Contact Details

First National Bank Zambia Limited

Stand Number 22767Cnr Great East Road and Thabo Mbeki Road

LusakaZambia

PO Box 36187LusakaZambia

Tel: +(260) 21 1 366 800 +(260) 21 1 366 801 +(260) 21 1 366 802

Fax: +(260) 21 1 366 999

Email: fnb@fnbzambia.co.zm

Website: www.fnbzambia.co.zm

* FNB may change these prices or introduce new fees at any time. Appropriate notice will be given.* Terms and Conditions Apply.