First National Bank of Botswana Pricing Review

1 business Tariff Guide(a) ACCESSIBILITY facilitation CHARGES (i) Cash Withdrawals Cash at Till P ATM/ Cardless Withdrawal Up to P500 = Above P500 = ATM Cash Withdrawal Up to P500 = Above P500 = Banks ATM Up to P500 = Above P500 = ATM Withdrawal P (Cash Advance) (ii) FNB Branch Over the Counter withdrawal (flat) P Handling Fee (per P100) P ATM Withdrawal (Cash Advance) P Branch Withdrawal P (iii) Card Purchases Card Purchases - Local P Purchases - International P (iv) Linked Account Transfers FNB (Electronic) - ATM, Online, Cellphone, Banking App P & ScheduledFNB Branch P (v) Payments FNB (Electronic) - ATM, Online, Cellphone, Banking App P & ScheduledInternal Debit Order P Debit Order P Payment P Branch P Cheque - FNB Customers P Payments - Branch P (vi) Point of Sale Machines POS installation P : Rentals per month (Stand alone) P month (Integrated System) P 1, Charged on Sales.

2 Minimum POS monthly turnover POS monthly turnover (vii) Scheduled Payment Related Fees Establishment and Amendment (Online Banking) FreeEstablishment Fee (FNB Branch) P Fee (FNB Branch) P (viii) Online Banking Enterprise Monthly Fee P Payment P Transfers P Transfers to own account within the same bank P enquiry single account FreeBalance enquiry multiple account FreeStatement request FreeCheque book request FreeUtility bill payment P tranfers FreeCredit card payments P (ix) Prepaid Purchases Airtime FreeElectricity P (x) Balance Enquiries Electronic (FNB ATM, Online, Cellphone Banking, Banking App) FreeOther Banks ATM P bank Statement P Banking FreeCellphone Banking - Enquire All Free (xi) Statements Current Month E-mailed Statement FreePosted Statement FreeProvisional Statements P Branch Statements P of Deposit Slips P Deposit Slip P ATM Mini Statement P Statements Daily P P P (xii)

3 Convenience and Value Adds Send Money using eWallet P Money using eWallet Bulk Send inContact Free (xiii) Payment Notifications E-mail FreeSMS P P (b) INVESTMENT / INTERMEDIATION CHARGES (i) TERM DEPOSITS - business Balances Penalty P , P , , P , , P , ,000 Negotiable500, + Negotiable*2% of the balance over the remaining period to maturity. Early redemption fees should not be deducted from the principal.

4 In the event that the 2% interest penalty is larger than the interest earned, the maximum fee will default to the interest earned (This only applies to deposits amounting to P500, and above) (ii) CURRENT ACCOUNTS Gold Cheque Account P P Cheque Account P Finance Cheque Account P Cheque Account P Cheque Account P Cheque Account P (iii) CALL ACCOUNT Linked Account Transfers via Banking App, Cellphone, ATM and Online Banking FreeScheduled Transfers FreeBranch Transactions Over the Counter-Cheque Deposits FreeOver the Counter-Deposit other Banks Cheques FreeOver the Counter-Cash Deposit at own bank +P per P100 Account Transfers FreeOther** Issue of bank Cheque Per Leaf.

5 P (iv) DEPOSITS Cash Deposit at ATM ad val per P 100 P Deposit at Branch ad val per P 100 + per P100 Cheque Deposit - Branch Free (v) Foreign Currency Accounts - business Monthly Maintenance FreeViolation of Minimum Balance EUR $ R bank Statements FreeInterim bank Statements P of Old bank Statements P the counter-cheque deposits FreeDeposit of Foreign Cheques, Travellers Cheques and Drafts South African Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR) (BWP)

6 FreeDormant Account Charges: South Africa Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR) (incoming SWIFT transfers) FreeAmendments (Outgoing SWIFT Transfers): South Africa Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR) ** Deposit of Foreign Cash in Foreign Currency in Pula FreeIncoming SWIFT Transfers: of Pula value- Minimum P Maximum P to Other Banks by SWIFT, Telex or Drafts and Travellers Cheque (per Transaction) South Africa Rand: of amount- Minimum R Maximum R Pound: of amount- Minimum Maximum States Dollars: of amount- Minimum $ Maximum $ : of amount- Minimum Maximum :All fees are based on Pula value of the exchange and are inclusiveof VAT at 12%.

7 (vi) Foreign Exchange Charges Local SWIFT bank Transfer (Outwards) of Pula valueMinimum P P SWIFT bank Transfer(Manual) of Pula valueMinimum P P SWIFT bank Transfer (Online) of Pula value - Minimum P - Maximum P of Foreign Notes 3% of Pula valueMinimum P of Foreign Notes 3% of Pula valueMinimum P of Travellers Cheques of Pula valueMinimum P P of Foreign Draft of Pula valueMinimum P P of Foreign Draft of Pula valueMinimum P P negotiated and returned unpaid Foreign Draft FreeForeign Cheque FreeInward SWIFT bank Transfer P P Cable Cost P ** Inward Foreign Transfers of Pula value- Minimum P Maximum P (vii) Advances/Loans business Loans.

8 First Loans Application P Fee Minimum P Maximum No maximumInsurance Administration FreeEarly Repayment Penalty P letter/Agreement in principle - FNB Customers P Non FNB Customers P FNB Commercial P Non FNB Commercial P Fee P of Title Deed Requests P of Bond Requests P Overdrafts Authorised Facility Arrangement Minimum P 1, Maximum Notice: - Minimum P Maximum P of facility Minimum P 1,069 ITC Enquiry P Enquiry P Facility Fee Commercial Building Loans Processing/Arrangement Fee Payments P Repayment Penalty As Per Central bank Policy WesBank Documentation fee (Loan processing) Minimum P 1, Maximum P 6, Fee Negotiable Penalty Fees: - Unpaid Cheque P Legal Fees.

9 - Repossessions Release P - Handling Fee for Sold Repossessions P - Storage and Insurance per Agreement P - Cross border Deals per Agreement P 2, - Document Fee P 1, - Arrears Letter P - Statement Copies Sent to Auditors P - Issuing of Cheque for Refund to Non-FNB P - Issuing Cheque for Refund to FNB Free - Cross Border Authority Letter P - Change of Ownership P - Final letter of Settlement P - Faxing of Copies of Documentations P - Emailing of Statements Free (viii) Credit Cards Joining Application/Administration Fee P Facility Fee Pricing (Annual Card Fee) P bank ATM Withdrawal P Local bank ATM Withdrawal P bank ATM Withdrawal P Other: Additional Authorized User P Retrieval per Voucher already Paid P Card/Replacement Fee P of History Statement P Transaction P the Counter Cash Withdrawal FNB P Local bank P bank .

10 - Minimum P Maximum of Sale Purchases FNB FreeOther Local bank FreeInternational bank FreeLost Card Protection Insurance P the Limit Cash Advance Minimum P bank Statement P credit card: International P P letter for international bank P ** Monthly statement FreeImpound card fee Fax charges P cheque P Cheque P Stop order P FNB Stop order P (c) TRADE facilitation CHARGES (i) Letters of Credit (Inward - Exports) Advising Commission P Commission of the Pula value per 6 months optMinimum P no maximumAmendments (other than extensions) P P of Tenure of the Pula valueMinimum P no maximumDocument Examination FreeOther** Payment and /or Negotiation of the Pula value- Minimum P Maximum no maximum (ii) Letters of Credit (Outward - Imports)