SAVINGS ACCOUNTS AND SERVICES

FLEX ACCOUNT (ZMW) FINCA SAVER (ZMW) CORPORATE ACCOUNT (ZMW)
INTEREST
Interest on Savings N/A 10% N/A
ACCOUNT BALANCES
Minimum Balance 0 0 300.00
Minimum Deposit at Account Opening 0 0 300.00
SERVICE FEES
Monthly maintenance fee 12.00 0 50.00
Internal Funds Transfer 0 0 0
Dormant Account Reactivation 0 0 0
Standing Instruction- set up fee 0 0 0
Standing Instruction-transaction fee 0 0 0
Standing instruction-Failure 4 4 4
Salary Processing-per transaction N/A N/A 3.00
Interim and Historical Bank Statements 15.00 15.00 15.00
Cheque Processing 10.00 N/A 10.00
Over the Counter Withdraw Charge- for withdraw amounts less than 5,000 0 0 0
Withdraw at FINCA Express Agent 5.00 5.00 N/A
Balance Enquiry at FINCA Express Agent 0 0 N/A
Mini Statement at FINCA Express Agent 0 0 N/A
INTER-BANK TRANSFER
<50,000 25.00 25.00 25.00
>50,001 50.00 50.00 50.00

FIXED TERM DEPOSITS

Amount (ZMK) 91 Days 182 Days 273 Days Tenor 364 Days and above**
200 – 5,000 3.0% 5.0% 5.0% 10.0%
5001 – 10,000 4.0% 5.0% 6.0% 10.0%
10,001 – 49,999 5.0% 5.0% 7.0% 10.0%
50,000 and above Rates based on prevailing treasury bills + margin

FIXED TERM DEPOSITS

Amount (ZMK) 91 Days 182 Days 273 Days Tenor 364 Days and above**
50,000 and above Rates based on prevailing treasury bills + margin

*Interest rates indicated are per annum
*Pricing for negotiated rates subject to management approval

LOAN PRODUCTS

SMALL ENTERPRISE LOAN (300,001-1,000,000) INDIVIDUAL BUSINESS LOANS (5,000-300,000) GROUP LOANS (1,000-20,000)
Interest rate per month (Declining Interest) 5.6% 6.8% 7%
Arrangement fee/td> 8% 10% 10%

COLLATERAL REGISTRATION FEES

FEE DESCRIPTION APPLICABLE FEE (ZMW)
Registration of financing statement As per Pacra standard Charge
Notice of amendment of financing statement As per Pacra standard Charge
Discharge of financing statement As per Pacra standard Charge
Search As per Pacra standard Charge
Certificate of status As per Pacra standard Charge
Registration of enforcement-notice of creditors rights As per Pacra standard Charge
Registration of extinguishment of security interest As per Pacra standard Charge
Motor vehicle registration As per RATSA standard Charge