First National Bank of Botswana Pricing Review

1 Retail Tariff Guide(a) ACCESSIBILITY facilitation CHARGES(i) Cash WithdrawalsCash 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 (Cash Advance) P (ii) FNB Branch WithdrawalsOver the Counter (Flat Once-Off Payment) P Handling Fee (per P100) P Branch Withdrawal P (iii) Card PurchasesCard Purchases - Local FreeCard Purchases - International P (iv) Online BankingOutward Telegraphic Transfers - RTGS Balance Enquiries P (v) Linked Account TransfersFNB (Electronic) - ATM, Online Banking, Banking App, P Banking, Tel. Scheduled Transfer P Branch P (vi) PaymentsBanking App Payment P at ATM P Banking Payment (Student) P Banking Payment (Other) P Banking Payment P Debit Order P Debit Order P Payment P Branch Payment P Payments- Branch P Order to other Banks (International) P (vii) Scheduled Payment Related FeesEstablishment and Amendment (Online Banking) FreeEstablishment Fee (FNB Branch) P Fee (FNB Branch) P (viii) Prepaid PurchasesAirtime FreeElectricity P (ix) Balance EnquiriesFNB ATM, Online, Cellphone Banking, Banking App FreeOther Banks ATM P of Sale (POS) P - Interim bank statement P Banking Free(x) StatementsCurrent Month E-mailed Statement FreePosted Statement Free Provisional Statements P Branch Statements P Banking Statements P of Deposit Slips P Deposit Slip P ATM Mini Statement P StatementsDaily P P P (xii) Payment NotificationsE-mail FreeSMS P P (b)

2 INVESTMENT / INTERMEDIATION CHARGES(i) TERM DEPOSITS - ConsumerEarly redemption fees should not be deducted from the principal. In the event that the 2% interest penalty is larger than the interest earned, the maximum fee will default to the interest earned (This applies to deposits amounting to P500, and above)Balances Maximum P , P , , P , , P , ,000 P 1, , + Negotiable(ii) CURRENT ACCOUNTSPay As You Use (PAYU)Monthly Account feeSmart P P DiscontinuedPrivate Clients DiscontinuedBundled PricingMonthly Account feeSmart P P P Clients P (iii) SAVINGS ACCOUNTSFUTURE SAVEM onthly Account Fees P Account Balance P Account Balance for Fee Rebate P Transactions per month 2 FreeFee per Transaction thereafter (Branch / ATM,Cash Withdrawal, Swipe, etc.) P FORWARDM onthly Account Fees P Account Balance P Account Balance for Fee Rebate NAFree Transactions per month 4 FreeFee per Transaction thereafter (Branch / ATM,Cash Withdrawal, Swipe, etc.)

3 P Account Fees P Account Balance P Account Balance for Fee Rebate N/AFree Transactions per month 1 FreeFee per Transaction thereafter (Branch / ATM,Cash Withdrawal, Swipe, etc.) P PRODUCTS MONTHLY MAINTENANCE FEES tudent P P P Banking P (iv) DEPOSITSCash Deposit at ATM With DepositsCharged per P 100 P per P100 Cash Deposit at BranchCharged per P 100 P + P per P100 Cheque Deposit at Branch Free(v) Foreign Currency Accounts - PersonalMonthly Maintenance N/AViolation of Minimum Balance N/AMonthly bank Statements FreeInterim bank Statements P of old bank Statements P the Counter-Cash Withdrawal P the Counter-Cash Deposits P the Counter- Cheque Deposits FreeDeposit of Travellers Cheque and DraftsSouth African Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR) (BWP) FreeDormant Account ChargesSouth Africa Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR) (Incoming SWIFT Transfers)Amendments (Outgoing SWIFT Transfers)South Africa Rand (ZAR) R States Dollars (USD) $ Pounds (GBP) (EUR)

4 **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 Cheques (per transaction) South Africa Rand (ZAR): of amount- Minimum R Maximum R Pound (GBP): of amount- Minimum Maximum States Dollars (USD): of amount- Minimum $ Maximum $ (EUR): of amount- Minimum Maximum :All fees are based on Pula value of the exchange and are inclusiveof VAT at 12%.(vi) Foreign Exchange ChargesLocal SWIFT bank Transfer Outwards of Pula value- Minimum P Maximum P SWIFT bank Transfer of Pula value- Minimum P Maximum P of Foreign Notes 3% of Pula value- Minimum P of Foreign Notes 3% of Pula value- Minimum P of Travellers Cheques of Pula value- Minimum P Maximum P of Foreign Draft of Pula value- Minimum P Maximum P of Foreign Draft of Pula value- Minimum P Maximum P Negotiated and Returned Unpaid Foreign Draft No charge Foreign Cheque No chargeInward SWIFT bank Transfer Minimum P Maximum P request to stopSWIFT cable cost P ** Inward Foreign Transfers of Pula value- Minimum P Maximum P (vii) Advances/LoansPersonal Loans.

5 First LoansApplication P Fee Minimum P Maximum P 4, Administration FreeEarly Repayment Penalty FreeFirst Funding Easy LoanProcessing/Arrangement/Facility Fee Minimum P Maximum P 3, FinanceTender letter/Agreement in principle- FNB Customers P Non FNB Customers P Fee P of Title Deed Requests P of Bond Requests P Minimum P Maximum P 100, Fee (Loan processing) Minimum P MaximumPenalty Fees:- Unpaid Cheque P Fees:- Repossessions Release P Handling Fee for Sold Repossessions P Storage and Insurance per Agreement P Valuation Fee (3rd party fees)- 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 FreeOverdrafts:Authorised Facility Arrangement Minimum P Maximum P 50, Notice:- Minimum P Maximum P of Facility Minimum P Enquiry P Reference Bureau (CRB) P (viii) Credit CardsJoining Application/Administration Fee P Pricing (ANNUAL CARD FEE)-FNB CUSTOMERSC lassic card card card Clients card NON FNB ACCOUNT HOLDERS Bundled Pricing (Annual card fee) Firstcard P card P card P.

6 Additional Authorized User P retrieval per voucher already paid P Card/Replacement Fee P fee other than stolen P of History Statement P Withdrawal:FNB ATM P Local ATM P ATM P Transaction P Over the Counter Cash Withdrawal:FNB P Local bank P bank :- Minimum P Maximum of Sale (POS) Purchases:FNB FreeOther Local bank FreeInternational bank FreeLost Card Protection Insurance P Balance on Credit Card Insurance of revolving balancePIN Replacement Fee P for where Balance is Over the Limit- Minimum P Maximum Enquiry:FNB ATM P Local ATM P ATM P bank Statement P at ATM 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 Select PIN Free(c) TRADE facilitation CHARGES(i) Letters of Credit (Inward - Exports)Advising Commission P commission - Half yearly charge of the Pula value per 6 months opt- Minimum P Maximum P 7, of DocumentsAmendments (other than extensions) P - If approved by beneficiary P of Tenure of the Pula value- Minimum P Maximum P 5, ExaminationOther**Payment and /or negotiation of the Pula value- Minimum P Maximum P 8, (ii) Letters of Credit (Outward - Imports)Establishment of Letter of Credit (Sight) of Pula value- Half yearly charge - Minimum P Maximum P 8, of Letter of Credit (Standard) of Pula value- Half yearly charge - Minimum P Maximum P 8, of Letter of Credit (Deferred)

7 Of Pula value- Half yearly charge - Minimum P Maximum P 8, Cost on Establishment (Cable costs) P or renewal of Letter of Credit of the Pula value- Minimum P Maximum P 5, of Amount of Letter of Credit of the Pula value- Minimum P Maximum P 7, Commission on Letter of Credit of Pula value- Minimum P Maximum P of Letter of Credit P of Documents P and Standby Letter of Credit of the Pula value- Minimum P Maximum P 8, - If approved by beneficiary P Checking P bank charges are for the accounts of the applicant.*All fees based on the Pula value of the exchange(iii) Foreign Bills (Collection Charges)Outward collection handling P fee bills collection handling P fee after maturity P charges Prime + Margin(iv) Bonds/Guarantees/IndemnitiesGuarantees:S hipping guarantees (bill of lading Indemnities)Establishment Commission of Amounts of Tenure P P (v) Property GuaranteesEstablishment Fee on Guarantee of Tenure P Fee P (vi) Other GuaranteesEstablishment Fee **Every subsequent 6 month period Commission P (vii) BondsPerformance/Tender BondsEstablishment: Minimum P Maximum no max, dependent on value of bondAmendments commission P (d) PAYMENT AND CLEARING CHARGES(i) Cheque Book FormsStandard cheque book:20 to 50 pages P cheque book:20 to 50 pages P of Privately printed cheque books/forms P of bank cheque-per cheque leaf.

8 P (ii) Deposit Books20 to 50 pages Free50 to 100 pages Free101 and Above Free(iii) Account ServicesCertificate of Balance P Info Provided P of Payment of a Cheque P (iv) eWalletSend Money using eWallet P ATM withdrawal FreeAny subsequent ATM withdrawal P Reversal- Electronic P Branch P @POS Purchase Only -1st Transaction Free-Subsequent Transactions Cashback Only -1st Transaction Free-Subsequent Transactions Purchase with Cashback -1st Transaction Free-Subsequent Transactions Prepaid purchasesAirtime FreeBalance Enquiry FreeMonthly Fee Free(v) Penalty/Other FeesUnpaid Cheque P Debit Orders (per item) - Branch P Fee (Charged per item in excess P your account limit) Inward Unpaid Item FreeDeposit of Post-Dated Cheque P Replacement Fee - Chip and Pin P Replacement P of Sale (local) other Banks POS Device P ATM Declined Transaction Fee P Declined Transaction Fee P Banks ATM Declined Transaction Fee P ATM Declined Transaction Fee P Scheduled Transaction - Online/Electronic P National bank of Botswana Pricing ReviewRevised Tariff Guide of Frequently Used ServicesEffective 04 March 2019