All Government Employees with a payment of salary by e-sistaf and authorized employers are elegible to obtain credit facility from First Capital Bank S.A

No you do not need to have a First Capital Bank account to apply.

You can borrow as from as little as MZN10.000,00 up to a maximum of MZN 2.000.000,00. Depending on your affordability and desired tenor your loan can range from 6 months to 84 months.

You can expect to receive your loan proceeds in 48hrs subject to whether additional information is requested from you for assessment.

• NUIT

• Confirmation of employment with physical and postal address

• Bank statement for the previous 3 months showing salary entries

• Employment Appointment or Confirmation Letter

• Salary declaration

• Recent salary payslip

The loan will be sent to a salary account presented on the bank statement.

You will receive a notification SMS once your loan application is successful for when your first installment is due.

First Capital Bank uses payroll deduction, meaning we will deduct your loan installment from your salary as we have aggreements with CEDSIF who will deduct or authorise deductions of the monthly repayment instalments directly from the client's salary through the e-SISTAFE system and remit the payment to First Capital Bank S.A.

Your monthly insurance premiums afford you a credit life insurance cover, which will cover the loan amount in the event of your death, however it is subject to the following Terms and Conditions:

• The age limit covered by the insurer at the time of applying for the loan is a minimum of 18 years and a maximum of 60 years.

• Credit Life does not cover acts of suicide; as such the bank can claim from the deceased estate.

• A lump sum funeral benefit of MZN10,000 will be payable at death of the account holder, subject to the terms & conditions of the policy.

Consumer Service Centre

At First Capital Bank, fast and efficient service is our core objective. Should you have any complaint about our service, products or anything in particular, kindly lodge your complaint following the procedure below:

First Stage

• Lodge your complaint with the Service Center Manager at the nearest Service Centre or through a telephone number 858000619

• Your complaint will be registered on the complaint register.

• The Service Center Manager/Contact Centre Agent will engage with you to resolve the complaint.

Second Stage:

• If you are not satisfied with the outcome of the complaint, you can escalate the complaint to the Head of Sales.

• The Head of Sales will manage the complaint and provide regular updates on the progress of the complaint within 24hours.

• The outcome of your complaint will be communicated to you through your preferred method of communication.

Third Stage:

• If there is still dissatisfaction after the resolution, you can escalate the complaint to the Consumer Lending Country Manager.

Fourth Stage:

• If you are still dissatisfied with the outcome, you can escalate the complaint to the CEO.

Fifth Stage:

• If you still not satisfied with feedback from the bank, you can escalate the complaint to the Central Bank of Mozambique/Regulator.

• You must contact the relevant ombudsman as soon as possible to find out what their requirements and time-frames are to lodge your complaint.

• For your convenience, the details of the Ombudsmen and First Capital Bank are given below:

First Capital Bank Email: reclamacoes@firstcapitalbank.co.mz 858000619