1 BANK OF AFRICA – UGANDA Products and Services Confidential

2 Who we are Member of BANK OF AFRICA group International Pan African Bank with strong presence in East & West Africa Operated in Africa for more than 25 years Boasts of 13 commercial banks in 15 African countries Present in France Operates 3 leasing companies One Stock brokerage company & 1 IT subsidiary Consolidated asset base is over 2.5Bn Euro Confidential

3 Where we are Kampala: 13 Branches Upcountry: 10 Branches Opening soon: 7 Branches …..AND STILL GROWING….. In Uganda Confidential

4 Conveniently remit money to family without lots of hassle Be able to affordably deposit onto account back home and grow savings base A reliable partner to help you acquire property without relying on family and friends A solid and credible partner to help you bridge business financing needs Ensure that money remitted meets the intended purpose DIASPORA FINANCING NEEDS Confidential

5 Personal Banking Mortgage financing Forexave Savings Tots 2 Teenz Reward Savings Current Accounts Web Banking Business Banking Ordinary Commercial loan Documentary Collections Letters of Credit OUR TAILORED OFFERING Confidential

6 FOREXAVE is a product targeted at individuals and reputable companies whose aim is to accumulate funds on their accounts for saving purposes. Features & Benefits: Minimum/Opening Balance: USD 150, Euro 100, GBP 100, Interest on Account: 2% p.a Offers use of a Cheque Book First cheque book is offered free of charge NO Account Management Fees FREE Deposits FREE Withdraws Forexave Saving account Personal Banking… Confidential

7 A savings product designed with the aim of rewarding high savers and boosting stable deposits for them Features & Benefits: Minimum opening/operating balance of Ugx 5,000,000/= Lucrative Interest rate of 7% per annum on deposits of Ugx 5 million and above. Unlimited deposits to the account i.e. No commitment to a fixed plan/installment. Bonus Interest: Double interest in the last quarter of the accounts anniversary. Totally free account – no charges. Free ATM card Free monthly statements. Free standing orders on any of your other BOA account to your Reward Savings account. Reward Saving account Personal Banking… Confidential

8 An account that encourages parents save up for their children and guarantee their future Product Features Opening balance ; UGX50,000 USD 50 EURO 50 GBP 50 Life assurance cover 10X the average monthly balance for last 3 months. Max is UGX 25,000,000. One free dental/optical/general check-up per year Minimum average operating balance to earn interest of 2% pa. UGX 100,000 Free Deposits & Withdraws No monthly Account Management fees Personal Banking… TOTS 2 TEENZ Confidential

9 Financing facility availed for Purchase, extension, renovation or improvement of residential properties Forms of facilitation offered Home Purchase Loan Home Improvement Loan Home Extension Loan Home Construction Loan Mortgage financing Personal Banking… Buy to let Mortgage Re-finance Mortgage Equity release Loan Land Purchase Loan Confidential

10 The home purchase loan product is customized to provide you solutions for your unique needs. Features and Benefits High loan amounts: We finance up to 80% of the cost of the property, Flexible loan period: You can take up to 15 years to repay the loan. Easy and affordable repayments: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. Applicant and Co-Applicant to the loan: Home Loans can be applied either individually or jointly. Proposed owners of the property are co-applicants. However, the co-applicants need not be co-owners. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Home Purchase Loan Personal Banking… Confidential

11 With BOAs Home Improvement Loan you can now renovate your living space for a more comfortable environment and surroundings. Features and Benefits Substantial loan amounts: We finance up to 80% of the cost of the improvement allowing for substantial amounts Flexible loan period: You can take up to 60 Months to repay the loan. Easy and affordable repayments: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. Applicant and Co-Applicant to the loan: Home Loans can be applied either individually or jointly. Proposed owners of the property are co-applicants. However, the co-applicants need not be co-owners. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Home Improvement Loan Personal Banking… Confidential

12 With BOAs Home Extension Loan you are able to add more space to your existing home to meet the requirements of your growing family;. Features and Benefits Maximize your advantage: We finance up to 80% of the cost of the extension allowing for substantial amounts Affordable payments: Offers flexible loan periods of upto 10 years. Variable rates: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. Applicant and Co-Applicant to the loan: Home Loans can be applied either individually or jointly. Proposed owners of the property are co-applicants. However, the co-applicants need not be co-owners. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Home Extension Loan Personal Banking… Confidential

13 With BOAs Home Construction Loan you are able to construct your own home to match your tastes and preferences Features and Benefits High Loan Amounts: We finance up to 80% of the cost of the construction allowing for substantial amounts Affordable payments: Offers flexible loan periods of upto 10 years. Variable rates: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. Applicant and Co-Applicant to the loan: Home Loans can be applied either individually or jointly. Proposed owners of the property are co-applicants. However, the co-applicants need not be co-owners. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Home Construction Loan Personal Banking… Confidential

14 Buy-to-Let Mortgage is available for the purchase of property, which will provide one or more separate units of accommodation Features and Benefits Flexible Loan Amounts: Mortgages are available for up to 80% of the propertys value. The amount that can be borrowed is based on the anticipated rental income and other incomes income e.g. salary. Affordable payments: Offers flexible loan periods of upto 15 years. Variable rates: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Buy-to-let Mortgage Personal Banking… Confidential

15 The proceeds of this loan may be used by a borrower who already owns a home to repay an existing mortgage on his /her residence. Features and Benefits Lower your monthly repayment: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable Optimize your loan structure: With our Home Mortgage Refinance, you will be able to choose from a number of options based on what you think best suits your financial objectives Consolidate your debts: You can take out a new larger loan to pay off not only your old loan, but the rest of your debts as well at very friendly interest rates No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment. Re-finance Mortgage Personal Banking… Confidential

16 The Equity Release Loan enables you to borrow money against your existing complete house and use the money for business expansion, put up more houses, without having to move out of the home. Features and Benefits Flexible loan period: Offers flexible loan periods of upto 15 years making repayments extremely manageable Flexible payment terms: The money can be paid as a lump sum amount, enabling you to acquire the funds you need to reach your goal faster. Ease of Use: There are no restrictions on the purpose of the funds, giving you allowance to use the money to meet your various financial needs. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment Equity Release loan Personal Banking… Confidential

17 provides land loans to enable the purchase of a plot for construction of residential premises. Features and Benefits Substantial loan amounts: The loan enables you to borrow substantial amounts you need up to a maximum of Ugx 100 million. Flexible Loan Period: The land loan offers you flexible repayment periods of up to 60 months Easy and affordable Repayments: Interest rates on this loan are competitive and calculated on a reducing balance basis, making your monthly repayments manageable. No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment Land Purchase loan Personal Banking… Confidential

18 Original ID and copy of passport 2 Passport size photographs Copy of utility bills for current residential address (if non-BOA customer) Letter from the employer (if applicable) 3 months pay slips (original or copy certified by employer) Certified bank statements for the last 12 months (for non-BOA customers) Copy of title deed Sale agreement duly signed Photograph of house Valuation report Bills of quantity Approved building plan My Home Loan Check-list Personal Banking… Confidential

19 Technology service that enables SMS, Phone & web banking Provides information on; o Account balance o Last 5 transactions o Exchange rate o Accnt Balance changes Increased convenience accessing your account information wherever you are & whenever Increased control over account transactions due to consistent overview Personal Banking… Digibanking Confidential

20 As Strong as Group As Close as a Partner As Close as a Partner Confidential