Banking and Financial Services (Microfinance) Regulations, 2006

1 . The name and address o f the Microfinance Institution.

3. A description of any property to be used as security and its location.

4. A description of any guarantee or other collateral.

5. The date when the first payment on the loan is due.

7. The principle of the loan, including: In the case of any Mortgage, whether it is first, second, etc. (a) the total amount of all charges to be financed; and (b) the net amount of money to be paid to the borrower or to be disbursed at the borrower's discretion.

8. The rate of interest expressed as a rate per annum, if that rate does not vary.

9. The initial rate of interest expressed as a rate per annum, if the rate varies from time to time

10. A description any factors that would cause the rate of interest to vary. I L The length of the term of the loan.

12. The period during which an offer to a customer is valid before it expires,

13. A description of any factors that would cause the term of the loan to vary.

14. The total cost of borrowing over the term of the loan expressed as a rate varies from time to time

15. A list of each charge to be financed.

16. A description of any temlS and conditions applicable to pre-payment of the principle

17. A description of any charge or penalty that would be imposed for fhllure to make any payment or to repay the loan when due. 18 The date of statement

19. The name and signature of the representative of the Microfinance Institution. 50 Statutory Instruments 30th January, 2006 - Form MF 6 THE BANKING AND FINANCIAL SERVICES (MICROFINANCE) REGULATIONS, 2006 (Regulation 45) BANK OF ZAMBIA VITAL STATISTICS FORM Part A (This Part Applies to Zambian Citizens Only) Name: ................................................................................................................ ................. . Date of birth: ................................................................................ ...................................... . Identity card number: ..................... , .................................................................................... . Residential address: ............................................................... Telephone No ........................ . Business address: ............................................................... Telephone No ............................ . Marital Status: ........................................ ........ No. of children ............................................. . Passport No./NRC No.: ......................... Expiry date (Passport No.lNRC indicated): ............ .. Name of Spouse: ........................................ Identity card No.: ............................................... . Next of kin: ........................................... Name of parents ................................................... .. Part B (This Part Applies to non-Zambian Citizens Only) Name: ..................................................................... Residential address: ............................. . Immigration Permit No: ............................................. Passport No: ............................. : ........ . Expiry date of passport: ...................................... Date of entry into Zambia: ......................... . Work permit No: ..................................... .'.Valid from ..................... to: ................................ . Part B (Applies to both Zambians and non-Zambians) Education Background: ....................................................................................................... . 30th January, 2006 Statuto1y Instruments 5 1 Employment Record:, . . . . . . . . . . . , . . , . , , ..................... , .. , , . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . , . . , .. . ..................................................................................................................... ........................................................... ,, ................................................ , , ....... .. .......................... , .................................................... , ................................... .. ································································································ ····················· ······················································································································ .......... , .................................................... , , .... ............................................... . ························································· ........................................................... . ········································· .................................................................... , ...... . ·········································· .......................................................................... . ·········································· ........................................................................... . Last Employer: ......... . . . . . . . . . . . . . . . . . . . . . . ..................................... . . ............... ...... . . . . . . . . . . . Employer's reference: . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............ . ···················································· ................................................................. . ··························································································"· .. ····················-- ........................................................................................... ........................... .............................................................................. , .................................... .. ····················································································································" ..... .............. .................................................................................................. . ................ -................................................................................................... .. ··················································--· ................................................................ . ..................................................................................................................... ........................................... ......... , ............................ , ................................. .. ····································································· ............................................... . Signature: . . . . . . . . . . . . . . . . . . . . . . . . . . ............................. . ..... . 52 Statutory Instruments 30th January, 2006 SECOND SCHEDULE (Reg11/ations 26, 41 and 46) PART I CAPITAL REQUIREMENTS FOR MICROFINANCE INSTITUTIONS (Regulation 26) Minimum Capital Requirement Deposit Taking MF/ Non DepositTc1king MF! K250 Million K25 Million PART'II PRESCRIBED FEES (Reg11/ation 41 and 46) Deposit-1Clking Micro.finance Institution Non Deposit-Tc1king Micro.finance Institution Licence application fee KS,400,000.00 Annual Licence fee K2,700,000,00 Supervision fee

0.02% of monthly average deposit for preceding 1 2-monlh period K 1,000,000.00 K600,000.00 None LUSAKA 24th January, 2006 [MFAL. 1 02/9/47 N. P. MAGANDE, Minister of Finance and National Planning