Pricing 2018 Personal Banking

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Pricing 2018 Personal Banking 2018 PRICING ACCESS TRANSACT PLUS STUDENT 2018 SILVER 2018 PRESTIGE PRIVATE Administration Management Fee 6.50 45.00 15.00 99.00 90.00 150.00 Cheque book 100.00 100.

93 7.93 7.93 7.93 7.93 ATM Card First issue Free Free Free Free Free Free -Replacement of lost card 100.00 100.00 100.00 100.00 100.00 100.00 -Replacement of damaged cards 65.00 65.

1 Pricing 2018 Personal Banking 2018 PRICING ACCESS TRANSACT PLUS STUDENT 2018 SILVER 2018 PRESTIGE PRIVATE Administration Management Fee Cheque book Cheque book cover - 1st Free ATM Wallet - 1st Issue Free ATM Card First issue Free Free Free Free Free Free -Replacement of lost card Replacement of damaged cards ATM Disputed Transaction (International) ATM Disputed Transaction (Local) SMS Notification (1 SMS per transaction) Free Free Free Free Free Free Cheque Service Fee - M and Less Cheque Service Fee - M2, and Less 1.50c per c per c per c per c per c per Cheque Service Fee - Greater than M3, Deposit breakage (forfeited interest) 50% 50% 50% 50% 50% 50% Account requirements Account opening balance Settlement Report Account Confirmation Deposits Cash Deposits - M and Less Free Free Free Free Free Free Cash Deposits - M and Less Greater than M1, c per c per c per c per c per c per ATM Cash Deposit - M and Less ATM Cash Deposit - Greater than M c per c per c per c per c per c per Cheque Deposit Government Cheques Withdrawals Cash Withdrawal and Cheque Encashment - M5, and Less Cash Withdrawal and Cheque Encashment - Greater than M5, c per Max 0.80c per Max 0.80c per Max 0.80c per Max 0.80c per max 0.80c per max ATM Cash Withdrawal - M1, and Less Free ATM Cash Withdrawal - Greater than M1, M c per M100 M c per M100 M c per M100 M c per M100 M c per M100 M c per M100 ATM Access Fee (Other Bank Cards) Other ATM (in country) per per per per per per Other ATM (International) per per per per per per Declined ATM Cash Withdrawal (Other Banks) POS Transaction (Local) per per per per per per POS Transaction (International) per per per per per per Cash back at POS c per c per c per c per c per c per Unpaids Post Dated Cheques GOV Special Cheques Clearance May We Cash - Outside Lesotho Balance Enquiries At ATM () on screen Free Free Free Free Free Free ATM Slip Printing At Other ATM (International) At Counter Statements Provisional statement - 2 pages History statements - Less than 6 months per page per page per page per page per page per page History statements - Greater than 6 months per page per page per page per page per page per page At AutoBank ATM E-Statement Free Free Free Free Free Free

2 2018 PRICING ACCESS TRANSACT PLUS STUDENT 2018 SILVER 2018 PRESTIGE PRIVATE Posted monthly Search Fees Voucher < 3 months Search Fees Voucher > 3 months Payments Standing order execution Standing order to Investment/Savings Free Free Free Free Free Free Standing order cancellation Standing order amendment Standing order CMA Standing order beyond CMA Debit Order (local and International) Stop Payments Standing Instruction - Setup Manual Inter-Account Transfer RTGS Standing instruction failure Fee Value Added Services Activation Fee Free Free Free Free Free Free Monthly Subscription Free Free Free Free Free Free Bill Payment - M M M M M M M M M M M1, and Greater Mobile Top-Up Free Free Free Free Free Free Balance Enquiries Free Free Free Free Free Free Transfers between linked accounts Free Free Free Free Free Free Digital Channels Activation Fee Free Free Free Free Free Free Monthly Subscription Free Free Free Free Free Free Internal Transfers incl local banks Transfers between linked accounts Free Free Free Free Free Free External Transfers (to other banks through RTGS) Transfer to South Africa Future dated payments Future dated establishment Fee Future dated amendment Transfer using Instant Money - M M M M M M M M M M M M M1, M5, Reports on parties Reports requested from other banks Reports requested from banks Internationally Reports obtained for own use and for use by banks in SBG Responded to us from another bank: Coded Full General Miscellaneous Credit outstanding Photocopies of documents per Customer's request per page per page per page per page per page per page Normal postage at Customer's request DHL postage DHL tariff DHL tariff DHL tariff DHL tariff DHL tariff DHL tariff UPL Unauthorised overdraft Fees - per item on referral report Overdraft establishment Fee - M9, and Less Overdraft establishment Fee - M10, and Greater 1.43% 1.43% 1.43% 1.43% 1.43% 1.43% Overdraft renewal Fee - M9, and Less Overdraft renewal Fee - M10, and Greater 1.43% 1.43% 1.43% 1.43% 1.43% 1.43% Commitment Fee (for usage Less than 80% monthly) 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% UPL arrangement Fee - M9, and Less UPL arrangement Fee - M10, and Greater 1.43% 1.43% 1.43% 1.43% 1.43% 1.43% UPL redraw Fee - M9, and Less UPL redraw Fee - M10, and Greater 1.43% 1.43% 1.43% 1.43% 1.43% 1.43%

3 2018 PRICING ACCESS TRANSACT PLUS STUDENT 2018 SILVER 2018 PRESTIGE PRIVATE Early Settlement Fee (If no new facility of equivalent amount is taken) 7.00% 7.00% 7.00% 7.00% 7.00% 7.00% VAF Management Fee Establishment Fee - M153, and Less 2, , , , , , Establishment Fee - M154, and Greater 1.30% 1.30% 1.30% 1.30% 1.30% 1.30% Restructuring Fees 1, , , , , , Early Settlement Fee (If no new facility of equivalent amount is taken) 90 days interest 90 days interest 90 days interest 90 days interest 90 days interest 90 days interest Early Settlement Fee (If new facility of equivalent amount is taken) 30 days interest 30 days interest 30 days interest 30 days interest 30 days interest 30 days interest Home Loans Management Fee Establishment Fee - M148, and Less 2, , , , , , Establishment Fee - M149, and Greater 1.35% 1.35% 1.35% 1.35% 1.35% 1.35% Early Settlement Fee (If no new facility of equivalent amount is taken) 90 days interest 90 days interest 90 days interest 90 days interest 90 days interest 90 days interest

4 Pricing 2018 Business Banking Transaction/Service Molleloa Enterprise Banking Commercial Banking Administration Monthly Management Fee Cheque book 200 pages Cheque book cover - First Issue Free Cheque Service Fee - M and less Cheque Service Fee - M2, and less 1.50c per c per c per Cheque Service Fee - Greater than M3, Deposit breakage 50% of interest earned 50% of interest earned 50% of interest earned ATM Wallet - First Issue Free ATM Card First Issue Free Free Free Replacement of lost card Replacement of damaged cards ATM Disputed Transaction - International ATM Disputed Transaction - Local SMS Notifications Free Free Free Account requirements Settlement Report Account Confirmation Deposits Cash Deposits - M and Less Free Free Free Cash Deposits - M1, and Less Greater than M1, c per c per c per ATM Cash Deposit - M and Less ATM Cash Deposit - Greater than M c per c per c per Cheque Deposit Government Cheques Withdrawals Cash Withdrawal - M5, and Less Cash Withdrawal - Greater than M5, c per c per c per Cheque Encashment - M5, and Less Cheque Encashment - Greater than M5, c per c per c per ATM Cash Withdrawal - M1, and Less ATM Cash Withdrawal - Greater than M1, c per c per c per Other ATM in Country per per per Other ATM Internationally per per per Declined ATM Cash Withdrawal at Other Banks Local POS Transaction per per per International POS Transaction per per per Cash back at POS c per c per c per Unpaid Item Post Dated Cheques GOV Special Cheques Clearance May We Cash - Outside Lesotho Payments Standing Instruction - Setup Standing order execution Standing order to Investment/Savings Free Free Free Standing order cancellation Standing order amendment Standing order CMA Standing instruction failure Fee

5 Transaction/Service Molleloa Enterprise Banking Commercial Banking Standing order beyond CMA Local Debit Order International Debit Order Stop Payments Manual Inter-Account Transfer RTGS Statements Provisional statement - 2 pages History statements - Less than 6 months per page per page per page History statements - Greater than 6 months per page per page per page At ATM E-Statement Free Free Free Posted monthly Search Fees Voucher < 3 months Search Fees Voucher > 3 months Balance Enquiries At Counter At ATM Free Free Free ATM Slip Printing At Other Banks ATM Digital Channels Activation Fee Free Free Free Monthly Subscription Free Free Free Internal Transfers incl local banks Transfers between linked accounts Free Free Free External Transfers through RTGS Transfer to South Africa Future dated payments Future dated establishment Fee Future dated amendment Transfer using Instant Money - M M M M M M M M M M M M M1, M5, Value Added Services Activation Fee Free Free Free Monthly Subscription Free Free Free Bill Payment - M M M M M M M M M M M1, and Greater Mobile Top-Up Free Free Free Enterprise Online Activation Fee Monthly Subscription Statements Free Free Free Payments to other SBG accounts Payments to other local banks /SMS Notification External Transfers (to other banks through RTGS)

6 Transaction/Service Molleloa Enterprise Banking Commercial Banking Transfer to SA Bulk Payment (per transaction) Business Online Activation Fee (BOL) 0.00 Monthly Subscription (BOL) Internal Transfers incl local banks (BOL) Transfers Base Currency (USD, EUR, etc) External Transfers (to other banks through RTGS)(BOL) Transfer to South Africa (BOL) Bulk Payments - per entry (2000 Transactions) 2, , , Point of Sale Once off Activation Fee POS standard monthly merchant commision 3.8% 3.8% 3.8% Cash back charge c per c per c per Monthly rental GPRS Enabled Communication Monthly Fee Term Loans Unauthorised overdraft Fees - per item on referral report - M19, and Less Unauthorised overdraft Fees - per item on referral report - M20, and Greater 1% 1% 1% Overdraft establishment Fee - M19, and Less Overdraft establishment Fee - M20, and Greater 1.00% 1.06% 1.06% Commitment fee on usage Less than 80% monthly 1.00% 1.06% 1.06% Overdraft renewal Fee - M19, and Less Overdraft renewal Fee - M20, and Greater 1% 1.06% 1.06% TL arrangement Fee - M19, and Less TL arrangement Fee - M20, and Greater 1.00% 1.06% 1.06% TL redraw fee - M19, and Less TL redraw fee - M20, and Greater 1% 1.06% 1.06% Early Settlement Fee (If no new facility of equivalent amount is taken) 7% 7.40% 7.40% Consutlation Fee for clients not taking facility after approval Vehicle and Assets Finance (VAF) Establishment Fee - M19, and Less 2,000 2,120 2,120 Establishment Fee - M20, and Greater 1% 1.06% 1.06% Restructuring Fees 1% 1.06% 1.06% Early settlement Fees if no new VAF facility of equivalent amount is taken 90 days interest 90 days interest 90 days interest Early settlement Fees Iif a new VAF facility of equivalent amount is taken 30 days interest 30 days interest 30 days interest Consutlation Fee for clients not taking facility after approval Commercial Property Loan Establishment Fee - M19, and Less 2,000 2,120 2,120 Establishment Fee - M20, and Greater 1.20% 1.27% 1.27% Early Settlement Fee if no new VAF facility of equivalent amount is taken 7% 7% 7% Consutlation Fee for clients not taking facility after approval

7 Transaction/Service Molleloa Enterprise Banking Commercial Banking Reports on parties Reports requested from other banks in country Reports requested from banks Internationally Reports obtained for own use and for use by banks in SBG Responded to us from another bank: Coded Full General Miscellaneous Credit outstanding Photocopies of documents per Customer's request per page per page per page Normal postage at Customer's request DHL postage DHL tariff DHL tariff DHL tariff Guarantees Letter of authority Cash cover or guarantee by another bank 0.65% p.a. min % p.a. min % p.a. min Amendment Fee Other than cash cover or unsecured 3% p.a. min % p.a. min % p.a. min Amendment Fee Establishment Fee 1, , ,060.00

Pricing 2018 Corporate and Investment Banking TRANSACTION/SERVICE CIB 2017 CIB 2018 Administration Management Fee 150.00 160.00 7% Cheque book cover - First issue Free - - - Deposit Book 42.60 45.

8 Pricing 2018 Corporate and Investment Banking TRANSACTION/SERVICE CIB 2017 CIB 2018 Administration Management Fee % Cheque book cover - First issue Free Deposit Book % Cheque Book % Deposits Cash Deposits 1.20% min % min Flat Cheque Deposits Free Free Flat Cheque Deposit - Agent Banks outside clearing area 0.99% min % min Flat Government Cheques % Account requirements Account opening balance - Minimum deposit (Minimum M50) Flat Settlement Report Flat Account Confirmation - Bank Requirements Flat Withdrawals Cash Withdrawal Cheque Encashment Government Cheques (W) Cheques/Service Fee 0.80% min max 0.80% min max 0.85% min max 1.50% min 8.00 max % max 6% 0.85% min max 0.85% min max 1.50% min 8.00 max Bank Cheque Flat PERCENTAGE CHANGE Unpaids Reduced Post-dated Cheques % GOV Special Cheques Clearance % May We Cash - Outside Lesotho % Payments Standing Instruction Set up % Standing Order Execution Flat Standing Order to Investments/Savings Free Free Flat Standing Order Amend % Standing Order CMA % Standing Order Beyond CMA % Stop Payments % Local Debit Order Flat International Debit Order Flat 6% Flat Flat Corporate and Investment Banking

9 TRANSACTION/SERVICE CIB 2017 CIB 2018 Manual Inter-Account Transfer Flat RTGS Flat Statements Provisional/Mini statements Flat On Letterhead Flat E-Statement Free Free Flat PERCENTAGE CHANGE History = < 3months per page per page Reduced History statements - >6 months no. of prior years * per page Current Year: per page Posted monthly Free Free Flat Search Fees Voucher < 3months Flat Search Fees Voucher > 6months Flat Point of Sale POS standard monthly merchant commission 4% 4% Flat Reduced Cash-back Charge % for >500 Free No charge Monthly Rental Reduced GPRS Enable Communication Fee (Monthly) Flat EFTS Activation fee Free Free Flat Monthly subscription (EFT) Free Free Flat Internal Transfers incl Local Banks % African Transactional Gateway (ATG) Local EFT % African Transactional Gateway (ATG) RTGS Flat African Transactional Gateway (ATG) Cross border Flat External Transfers (to other banks through RTGS) per Entry Business Online Flat Activation Fee Free Free Flat Monthly Subscription (for those not on Bundled Fee) Flat Internal Transfers incl Local Banks % Transfers Base Currency (USD, EUR, etc) Flat External Transfers (to other banks through RTGS) Flat Transfer to South Africa Flat Bulk Payments per Entry (2000 Transactions) % Billers Set up Fee New Pricing Monthly Fee New Pricing Biller Fee pertransaction 1.25% New Pricing Liquidity Management Set up Fee New Pricing Monthly Fee New Pricing New account added in the structure per month New Pricing Pooling Set up Fee New Pricing Monthly Fee per account in a pool New Pricing Corporate and Investment Banking

RETAIL BANKING TARIFFS

RETAIL BANKING TARIFFS Effective 1st February 2018 PRODUCT/SERVICE MONTHLY MAINTENANCE FEES Xapit Account Salary Account Seba Account Savings Account Zanaco Savers Account Current Account (ZMW) Foreign