Tarrif Guide 2020 Final

TABLE OF CONTENTS CHARGES ON CARD PRODUCTS 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E-BUSINESS CHARGES 6. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LOCAL ACCOUNT CHARGES 8. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . FOREIGN ACCOUNT CHARGES 11. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . T R E A S U R Y O P E R AT I O N S C H A R G E S ( T R O P S ) 12.............................................. TRADE CHARGES 13. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C H A R G E S F O R L E N D I N G P R O D U C T S A N D S E R V I C E S ..........................15

Zenith Bank Tariff Guide 2020 CHARGES ON CARD PRODUCTS Service Type 2020 CHARGES Shell Cards Free Issuance Fee Replacement Fee Free Transaction Fees Free Eazypass Cards Free Issuance Fee GHS25.00 Replacement Fee GHS2.00 Monthly Maintenance Fees GHS2.00 Loading Fees GHS2.00 Transaction Fees GHS4.00 + 1% Domestic ATM On-Us GHS5.00 Domestic ATM Not-On-Us GHS5.00 + 2.5% Domestic POS GHS2.50 International ATM N/A International POS Online e-Zwich Cards GHS10.00 Issuance Fee GHS10.00 Replacement Fee GHS0.10 Balance Enquiry GHS0.20 Transaction List Enquiry/Statement Free Loading Fee GHS0.5% (Min. GHS0.20/Max. GHS1.50) Transaction Fees GHS1% (Min. GHS0.20/Max. GHS5.00) e-Zwich ATM GHS0.25% (Min. GHS1.00/Max. GHS5.00) e-Zwich POS GHS0.25% (Min. GHS1.00/Max. GHS10.00) e-Zwich Money Transfer (Card to Card) GHS0.50 e-Zwich Money Transfer (Without Card) GHS0.25% (Min. GHS0.50/Max. GHS2.50) e-Zwich Card to Bank/Bank to Card e-Zwich Card to Other Eazypay Card GHS2.50 Issuance Fee GHS2.50 Replacement Fee GHS1.50 PIN Regeneration Fee Transaction Fees GHS0.18 ATM Page 1

Zenith Bank Tariff Guide 2020 GHS5.00 GHS5.00 Eazypay GH-Link Dual Card Free Issuance Fee Free Replacement Fee PIN Regeneration Fee GHS1.00 e-Zwich Loading Fees GHS2.00 Transaction Fees Free Domestic ATM On-Us GHS0.5% (Min. GHS0.20/Max. GHS1.50) Domestic ATM Remote-On-Us GHS1% (Min. GHS0.20/Max. GHS5.00) Domestic POS GHS0.25% (Min. GHS1.00/Max. GHS5.00) e-Zwich ATM GHS0.25% (Min. GHS1.00/Max. GHS10.00) e-Zwich POS GHS0.50 e-Zwich Money Transfer (Card to Card) GHS0.25% (Min. GHS0.50/Max. GHS2.50) e-Zwich Money Transfer (Without Card) e-Zwich Card to Bank/Bank to Card $5.00 e-Zwich Card to Other $3.00 $20.00 Visa Global Travel Wallet $10.00 Issuance & Activation Free Quarterly Maintenance Fees 1.25% Initial Minimum Load $5.00 Cash Out Fee Loading Fee $2.00 + 2.5% PIN Regeneration 1% (Min. $1.00) Monthly Inactivity Fee (Inactivity after 1% (Min. $1.00) 12 months) Transaction Fees GHS5.00 International ATM GHS5.00 International POS GHS3.00 Online GHS3.00 Visa & Mastercard Debit Cards GHS1.00 Issuance Fee GHS2.00 + 1% Replacement Fee GHS0.00 Monthly Maintenance Fees $2.00 + 2.5% PIN Regeneration Fee 2.5% Transaction Fees 2.5% Domestic ATM On-Us Domestic ATM Remote-On-Us Domestic POS International ATM International POS Online Page 2

Visa & Mastercard Prepaid Cards Zenith Bank Tariff Guide 2020 Issuance Fee Replacement Fee GHS45.00 Monthly Maintenance Fees GHS45.00 PIN Regeneration Fee Free Loading Fees GHS3.00 GHS2.00 Transaction Fees Domestic ATM On-Us GHS1.00 Domestic ATM Remote-On-Us GHS2.00 + 1% Domestic POS Free International ATM $2.00 + 2.5% International POS 2.5% Online 2.5% Visa Credit Cards GHS10.00 Issuance Fee GHS10.00 Replacement Fee GHS5.00 Monthly Maintenance Fees GHS3.00 PIN Regeneration Fee GHS50.00 Late Payment Fees GHS75.00 Over Limit Fees GHS1.00 Transaction Fees GHS2.00 + 1% Domestic ATM On-Us Free Domestic ATM Remote-On-Us $2.00 + 2.5% Domestic POS 2.5% International ATM 2.5% International POS Online GHS10.00 GHS10.00 Visa Platinum Debit Cards GHS5.00 Issuance Fee GHS3.00 Replacement Fee Monthly Maintenance Fees GHS1.00 PIN Regeneration Fee GHS2.00 + 1% Free Transaction Fees $2.00 + 2.5% Domestic ATM On-Us 2.5% Domestic ATM Remote-On-Us 2.5% Domestic POS International ATM Page 3 International POS Online

Zenith Bank Tariff Guide 2020 Executive Travel Card/Mastercard Platinum Prepaid Card Issuance Fee GHS250.00 Replacement Fee GHS250.00 Monthly Maintenance Fees Free PIN Regeneration Fee GHS3.00 Initial Minimum Load GHS5,000.00 Loading Fees Free Transaction Fees GHS1.00 Domestic ATM On-Us Domestic ATM Remote-On-Us GHS2.00 + 1% Domestic POS Free International ATM $2.00 + 2.5% International POS 2.5% Online 2.5% MasterCard Platinum Credit Cards GHS10.00 Issuance Fee GHS10.00 Replacement Fee GHS5.00 Monthly Maintenance Fees GHS3.00 PIN Regeneration Fee GHS50.00 Late Payment Fees GHS75.00 Over Limit Fees GHS1.00 Transaction Fees GHS2.00 + 1% Domestic ATM On-Us Free Domestic ATM Remote-On-Us $2.00 + 2.5% Domestic POS 2.5% International ATM 2.5% International POS Online Corporate Mastercard Debit Cards GHS15.00 Issuance Fee GHS15.00 Replacement Fee GHS25.00 Annual Maintenance Fees GHS3.00 PIN Regeneration Fee Free Transaction Fees GHS2.00 + 0.4% Domestic ATM On-Us Free Domestic ATM Remote-On-Us $5.00 + 2.5% Domestic POS 2.5% International ATM 2.5% International POS Online Page 4

Corporate Mastercard Prepaid Cards Zenith Bank Tariff Guide 2020 Issuance Fee Replacement Fee GHS100.00 Monthly Maintenance Fees GHS100.00 PIN Regeneration Fee Free Loading Fees GHS3.00 GHS2.00 Transaction Fees Domestic ATM On-Us Free Domestic ATM Remote-On-Us GHS2.00 + 0.4% Domestic POS Free International ATM $5.00 + 2.5% International POS 2.5% Online 2.5% General Card Fees (For All Card Types) GHS1.00 3D Secure Authentication Fee Free Balance Enquiry GHS1.00 SMS Notification Fee (Monthly) Free Email Notification Fee (Monthly) Free Electronic Statements Page 5

Zenith Bank Tariff Guide 2020 E-BUSINESS CHARGES Service Type 2020 Charges Corporate Internet Banking (Formerly ADPS) Free+ 2 tokens / GHS25.00 for each token Viewing Only - Per month thereafter Set-up Fees Free Monthly Maintenance N/A GIS/Swift Transaction Fees GIS GHS50.00 per transaction ACH /Normal Transaction Fees (Bulk /Next Day) GHS2.00 per transaction Zprompt Free Set-up Fees GHS1.00 Monthly Maintenance (SMS only) Free Retail Free Internet Banking GHS2.00 Next Day Set-up GIP GHS5.00 Transfer within Zenith GHS2.00 Next Day Transfer to Other Banks GIP GHS5.00 USSD GHS1,050.00 2.5% eTranzact Web Portal lntegration GHS5.00 Merchant Settlement GHS0.50 1.5% Face Value eTranzact Re-Loadable Cards Issuance Fee GHS5.00 Loading Fee Online Purchases GHS500.00 Replacements & Reissue Stolen/ Lost Cards Automated Cheque Writing Solution (ACWS) Set-up Fees Page 6

Scan to Pay Zenith Bank Tariff Guide 2020 Set-up Fees Merchant Settlement Merchant Pay USSD Free Set-up Fees 1% GHS100.00 ACH Direct Debit Set-up Fees GHS500.00 POS GHS150.00 Set-up Fees Free Mobile Money Max 3% Merchant settlement Max 5 % Mastercard, Visa + GH link Max 1% Diners Club Mobile Money on POS GHS1,000.00 2-5% Global PAY Set-up Fees N/A Single platform Free Settlement Commission N/A 1% of transaction amount or a min of 50 Merchant Settlement pesewas for transactions below GhS50 and Mobile Money /Airtel & MTN max charge of 10GHSfor transactions above Merchant /Agent Set-up Fee GHS1,000. Merchant Settlement Zenith Cash Out (eRedemption) Page 7

Zenith Bank Tariff Guide 2020 LOCAL ACCOUNT CHARGES SERVICE TYPE 2020 CHARGE COT GHS1.0 per mille, Min GHS2.00 Max Individual/Current Account GHS10.00 Corporate Account GHS1.5 per mille, Min GHS10.00 Max GHS5,000.00 Opening Balance GHS50.00 Current Account (Individuals) GHS50.00 Savings Account & Thumbz-Up GHS100.00 Corporates GHS100.00 ZECA GHS500.00 ZECA Plus Salary Processing Free Internal GHS3.00 per beneficiary External (via bankers draft) External (via ACH) GHS4.00 per item Bulk Salary processing via ACH (express clearing) 1 - 100 items= GHS2.00 per item Bulk Salary processing via ACH (normal 101- 499 items= GHS1.75 per item clearing) 500 and above= GHS1.50 per item Standing Order GHS1.50 per transaction Internal GHS10.00 per transaction External /via ACH Free Insufficient funds GHs1.00 per transaction ACH Direct Debit ACH direct debit GHS10.00 per voucher/Instrument GHS20.00 per voucher/Instrument Document Retrieval GHS30.00 per voucher/Instrument Up to 3 months GHS50.00 per voucher/Instrument 3 months to 1 year 1 year to 3 years First issuance GHS25.00 Above 3 years Second issuance (BOG rules) - 10% of Returned Cheque face value No funds Free Other reasons (Technical) Page 8

Zenith Bank Tariff Guide 2020 Local Cheque Clearing Free Normal Clearing 1/4% of face value, Min GHS25.00 Max Special Clearing GHS100.00 Cheque Books GHS8.00 Personal GHS12.00 25 leaves 50 leaves GHS12.00 Corporate GHS20.00 50 leaves 100 leaves Free GHS2.00 Funds Transfer Transfer across our network (Zenith-to-Zenith) GHS5.00 Transfer to Third Party via internet banking 1/2 % of face value; Min GHS7.00 Max (ACH) GHS25.00 Transfer to Third Party via GIP (Instant Pay) 1/2% of face value; Min GHS10.00 Max Transfer To Third Party (customer to non- GHS50.00 customer) GHS10.00 Flat Non-customer transfer (non-customer to non- customer) GHS20.00 Transfer to Third Party (via ACH one off ) (Normal) GHS10 per transaction Transfer to Third Party(via ACH one off ) (Express) 1/4% of Face Value, Min GHS7.50 Max Amendments/Recalls(ACH) GHS15.00 1/4% of Face Value, Min GHS10.00 Max Payment Orders/Manager’s Cheque GHS25.00 Customers GHS10.00 FLAT Non-Customers Free GHS1.50 per sheet School Fees GHS3.00 per sheet GHS3.50 per sheet Statement Request E-statement GHS50.00 Duplicate Copy GHS3.50 per sheet Up to One year 1 yr and above Embassies / Bank’s endorsed statement 1-15 pages 16 pages and above Page 9

Zenith Bank Tariff Guide 2020 External Correspondence Letters GHS30.00 Auditors GHS10.00 Reference - Corporate GHS5.00 Reference - Individual GHS10.00 Clearance - Corporate/ Individual GHS10.00 Introductory - Corporate GHS5.00 Introductory - Individual GHS10.00 Confirmation - Corporate GHS5.00 Confirmation - Individual 0.18% - 0.28% per annum Custodian Services Funds under management GHS75.00 per month Free Platinum Customers with salary GHS15,000 and above Subject to negotiation Customers with DDA balance GHS100,000 and Subject to negotiation above Subject to negotiation Subject to negotiation Cash Pick Ups Weekdays GHS7.00 Weekends/Holidays GHS6.00 (per leaflet) ; GHS30.00 (5 or lnter-City arrangements more leaflets) Onsite teller 3% of the total collection or GHS3,000.00 which ever is higher Miscellaneous Counter Cheque Stop Cheque Funeral collection charges Page 10

Zenith Bank Tariff Guide 2020 FOREIGN ACCOUNT CHARGES 2020 Charge Service Type Opening Balance $500 or €500 or £500 FEA/FCA COT-Foreign Exchange Account (locally generated Not Applicable at present funds) COT-Foreign Currency Account (offshore account) Not Applicable at present Stop Cheque $15, €13.40, £11.50 Counter Cheque $2.5, €2.22, £1.92 Closure of A/Cs Free Cheque Books $3.00, €2.00, £1.50 $6.00, €4.00, £3.00 Individual 25 leaves $6.00, €4.00, £3.00 50 leaves $10.00, €8.00, £6.00 Corporate 50 leaves 100 leaves Statement Request Free E- Statement $3; €2.50; £2.00 Flat Printed Statement $3.00; €2.50; £2.00 Flat Extra Copy $10.00; €8.50; £7.00 Flat Embassies/Bank Endorsed statement Page 11

Zenith Bank Tariff Guide 2020 TREASURY OPERATIONS CHARGES ( TROPS) Service Type 2020 Charge Local Forex Transfer (FEA to FEA ) to other Banks 1% of Face Value. Ceiling $200.00; Floor $25.00 GIS Transaction Processing Fees GHS50.00 Request for extension of cut-off time GHS550.00 Payment sent beyond cut off time GHS250.00 Request for cancellation of payments GHS150.00 Interbank settlement of forex payment cheques USD 15.00 per transaction Interbank settlement of local forex transfer 1% of Face Value, min USD 15.00 Commission on forex withdrawal 3% of Face Value withdrawal Page 12

Zenith Bank Tariff Guide 2020 TRADE CHARGES 2020 Charges LETTERS OF CREDIT (IMPORTS) Service Type CASH COVERED (10%) 1 % p/quarter min of $200.00 Sight 1.5% p/quarter min of USD200.00 Deferred Cancellation $150.00+SWIFT Discrepancy $150.00, €100.00, £80.00 NON CASH 1.5% p/quarter min of $200.00 Sight 2.% p/quarter min of $200.00 Deferred $30.00 Swift 1% p/quarter min of $500.00 Confirmation $150.00 + SWIFT Cancellation GHS50.00 General Amendment $150, €100.00, £80.00 Discrepancy As per LC charge Increase in Amount/Extension LETTERS OF CREDIT (EXPORT) ADVICING COMMISSION Customers GHS50.00 per bill Non-Customers $75.00 Other Banks $100.00 Negotiating Commission 1% of FOB VALUE min $300.00 Document Examination 0.125% min $300.00 Transfer 0.125% min $300.00+swift Handling Commission GHS50.00 Payment Commission (FCA) 0.75% FV+ SWIFT Avalisation 1 % p/q upfront Reminder on Overdue Bills GHS30.00 LC Payment 0.5% of document value, min of USD300.00 DOCUMENTARY BILL FOR COLLECTION (INWARD- IMPORTS) Own resources (FCA) 0.75% FV + SWIFT Charge Own resources (FEA) 2% FV + SWIFT Charge Cedi account 1% FV+ SWIFT Charge Page 13

Zenith Bank Tariff Guide 2020 PAYMENT COMMISSION ON DOC IMPORT BILLS FOR COLLECTION Handling Commission 0.75% FV max $300.00 Status of Bill (Tracers) / Advice of Fate GHS50.00+SWIFT Courier $50.00 flat EXPORT DOCUMENTARY BILLS FOR COLLECTION Handling Commission 0.75% FV max $300.00 Status of Bill (Tracers) / Advice of Late GHS50.00+SWIFT Courier $50.00 flat Page 14

Zenith Bank Tariff Guide 2020 CHARGES FOR LENDING PRODUCTS AND SERVICES Facility Type Approved Fees Overdraft Processing 1.5% GHS500.00 min Term Loans Management 1.5% GHS500.00 min Guarantees Bid Bonds Default Charge 2% on outstanding facility GHS500.00 min Import Finance GHS500.00 min Half Yearly Monitoring Fee 0.35% on facility amount GHS500.00 min GHS500.00 min Penal Rate 42.4% GHS500.00 min Processing 1.5% GHS500.00 min GHS500.00 min Management 1.5% 0.05% min Default Charge 2% on outstanding facility GHS500.00 min Half Yearly Monitoring Fee 0.35% on facility amount GHS500.00 min GHS500.00 min Penal Rate 42.4% GHS500.00 min Guarantee Fee 2.0% GHS500.00 min Processing Fee 1% Annual Fee 0.25% Issuance 2.5% Processing 0.5% Management 1.5% on facility line Processing 0.5% per tranche disbursed Default Charge 2% on outstanding facility Non Commital Letters Page 15