Zimbabwe Mining & Infrastructure Indaba 2014 Conference Theme Mining: A catalyst for infrastructure development in Africa Presentation by Nathan Kadyamarunga - ZB Bank

ZB Bank in the Mining Sector

ZB Bank In the Mining Sector Active partner to the mining sector Involved in your events – Mining Indaba – Chamber of Mines AGM – Mine Entra – Sponsorship of the Zimbabwe School of Mines A banker to many miners

Products and Services Dedicated Mining Desk – Relationship Managers – experienced with mining related training Ability to offer products and services to support your business: – Structured Finance – Financing new projects – Business loans – to help mines out of care maintenance – Lease Hire – Banking on site – Guarantees for companies in value chain (off balance sheet).

Products & Services(contd): SMEs/Micro-Finance Assisting Small Scale Miners with capex and working capital Bridging Finance for Chrome Tributary Miners In Gweru/Shurugwi Flexible /liberal collateral terms On-Site /Mobile Banking Facilitated mobile banking - using wide footprint in strategically located in mining centres Shurugwi, Ngezi, Zvishavane, Gwanda, Hwange Kadoma, Kwekwe and Gweru FPR Gold Buying Centres Hosting Fidelity Printers & Refineries - buying from Small Scale Miners in selected Branches. The Group Advantage Insurance -One Stop Shop – for group wide products.

Why Do Business with ZB Bank ADD VALUE TO THE MINING SECTOR Technical expertise Tried and tested in the mining sector – Involved in gold, nickel, chrome, coal limestone Stability and strength – Since 1951 – Part of a large diversified group – Strong balance sheet No Liquidity challenges MUTUALLY BENEFICIAL RELATIONSHIPS.

John Maxwell in his book TODAY MATTERS says “The secret of your success is determined by your daily agenda.” “Successful people make right decisions early and manage those decisions daily.” Your decision to engage ZB Bank today can make a difference.

Thank you