Personal Account Opening Form

Branch & Account No: Passport photo

PART A –ACCOUNT TYPE

Account Type (tick) Flex: □ Saver: □ Term Deposit : □ Minor Account: □ Joint Account: □ Agent Overdraft □
Individual □ Sole Trader □
Mobile Banking (tick): □ Mobile Number
Bancassurance (tick): Funeral Cover □ Hospital Cash Plan □
PART B –PERSONAL DETAILS
Account Holder I Account Holder II
Full Names:
Gender: Male □ Female □ Male □ Female □
Date of Birth:
Nationality:
If USA citizen Social Security Number Social Security Number
ID No:
TPIN
Mobile Number:
Physical Address:

Email Address:
Occupation:
Employer’s Name:
Source of Funds: Employment □ Business □ Pension □ Employment □ Business □ Pension □ Gratuity □
Gratuity □ Other□; Specify Other□; Specify
Business Category: Trading □ Service □ Construction □ Agriculture □ Trading □ Service □ Construction □ Agriculture □
Real Estate □ Mining □ Manufacturing □ Real Estate □ Mining □ Manufacturing □
Business Type:
Monthly income:
Next of Kin Name:
Relationship:
Mobile No:
Minor's Details (Child I)
Full Names: Gender: Male □ Female □ Date of Birth:
Nationality: Birth Record No: Address:
Minor's Details (Child II)
Full Names: Gender: Male □ Female □ Date of Birth:
Nationality: Birth Record No: Address:
Signing Mandate Both to Sign □ Either to Sign □ One to Sign □ Specify:
PART C– AGENT DETAILS
Agent Code: Grocery Store □ Booth □ Other □; Specify:
Agent Line (MISDN): Location:
Declaration by Applicant (s)
I, ..……………………………………………………………………………………………………………………. confirm that the information given above is correct and have read and
understood FINCA’s terms and conditions governing this account (s) as availed to me and agree to abide by them and such other rules that may be in force from time to time. I further agree
that by entering into this Agreement with FINCA, certify that I do not support or conduct, directly or indirectly, violence or terrorist activities of any kind, and do not enter into this
agreement with the intention to conceal or disguise the origins of criminally derived proceeds (“Money-Laundering”) or to use loan proceeds or other amounts received for criminal or
illegal purposes. I understand that this account will be used for bonafide transactions arising from the declared sources of funds. I confirm that the features, costs, interest, benefits and the
way the account operates have been explained to me/us. I agree to provide any documents required and request you to open the account as specified above. I agree to inform you of any
changes in the information provided in this form or in related documents. I consent to FINCA making enquiries, obtaining from, exchanging with or third parties and credit reference
agencies any and all information concerning the undersigned whether or not such information predates this consent or during and after the term of any loan or credit facility granted to the
undersigned. FINCA can continue to disclose such to third parties or credit agencies even after my account is closed, credit facility has been settled, and this consent hereto shall be
irrevocable. I agree to be liable for any overdrafts or debt due to FINCA and FINCA may at any time and without notice to me combine or consolidate all or any of my accounts with all
liabilities to you and set off or transfer any sum standing to the credit of any more of such accounts or any credits or other assets belonging to me with you in or towards satisfaction of any
of my liabilities to you or any other account or any other respect, whether liabilities be actual or contingent, primary or collateral, or joint. I confirm, consent and authorise FINCA to link
the mobile number provided in this application form to mobile banking services and to the Overdraft Facility.
Customer Name: Customer Name:

Signature: Signature:

Date: Date:

Signature Specimen 1 Signature Specimen 2 Signature Specimen 1 Signature Specimen 2

+260 0971 245 429 / +260 971 245 429 [email protected] PAOF V2/2018
 Personal Account Opening Form
TERMS AND CONDITIONS
1. INTRODUCTION
1.1 Your agreement with us is contained in these terms and conditions as may be amended from time to time
1.2 In this agreement “you” and “your” means any customer operating the account including (where appropriate) any person you authorise to give instructions on your account. “We”, “us”
and “our” means Foundation for International Community Assistance Zambia Limited (hereinafter called FINCA).
1.3 You shall be required to produce your original documentation for inspection and verification.
1.4 The account shall be operated and maintained subject to applicable Bank of Zambia rules, regulations and guidelines as may be issued from time to time and as adopted by FINCA.
1.5 FINCA shall collect documented evidence to determine the FATCA classification of an individual account holder as either a U.S or a non-U.S person. Documented evidence will generally be
collected when U.S indicia is associated with either an individual or entity account or whether a new or pre-existing account.

2. CONTACTING EACH OTHER.

2.1 We may contact you in person or by post, telephone, or by email or any other electronic communications or where suitable arrangements have been put in place, using the latest address
or number you may have given us. You agree to tell us of any changes or additions to these details.
2.2 You can contact us by visiting any of our branches or through our Call Centre lines on +260966-200-580, +260971-245-429.
2.3 We may record or monitor communications between us so that we can check instructions and make sure that we are meeting our service standards.
2.4 If you want to complain about these terms and conditions or the service you have received, you may do so in person, in writing, by post, email or by telephone through our Call Centre.
Details of our complaints handling procedure are displayed at any of our branches and through our Agents.

3. GIVING US INSTRUCTIONS
3.1 You can give us instructions in person, unless we advise that instructions may be given in a different way for a particular service or account.
3.2 Before receiving instructions in any other way other than in person, we will subject the instructions to the necessary regulatory requirements and agree security procedures for
authenticating such instructions.
3.3 We may refuse to act on any instructions if;
A) The instruction is not clear or
b) We believe that by carrying out such instructions, we might be breaking the law, regulation, code or other duty, which applies to us.

4. CREDITS AND WITHDRAWALS FROM YOUR ACCOUNT

4.1 Cash deposits can only be made at any FINCA branch and/or approved FINCA Express Agents.
4.2 If we receive instructions and credits for an account during the opening times, we will process them on that day or on the date specified in your instructions. Instructions received after the
opening time for a non-working day will be processed on the next working day. Even though branches may be open on Saturday, these are considered non-working days and instructions
received on Saturday will therefore be processed on the next working day. Branch working time may vary and are displayed in each branch.

5. INTEREST & COMMISSIONS

5.1 We pay interest, or if applicable, we charge interest by crediting or debiting your account.
5.2 We reserve the right to vary the interest rate from time to time and will reasonably endeavour to give prior notice of the changes in the interest rates. If you do not receive such prior notice,
FINCA will not be prevented from changing the interest rate.
5.3 We will deduct tax on interest before we pay it to you unless we can pay interest without deducting tax under current regulations and/or laws.
5.4 Commissions and/or service shall be charged periodically as per tariff guide

6. CHARGES AND FEES

6.1 You shall be entitled to obtain information regarding the prevailing tariff guide at your branch. This may change from time to time.
6.2 We reserve the right to charge account related fees as may be applicable and amended from time to time.

7. ACCOUNT WITHDRAWAL
7.1 You shall not be entitled to overdraw on the account. In the event that the account does become overdrawn, a letter of demand may be sent to you demanding payments of the overdrawn
amount. If you do not pay the amount so demanded, you will be in breach of agreement and legal action shall follow, the cost of which shall be debited to your account.
7.2 In the event that you have a credit facility with FINCA, we shall, without notification to you, be entitled to use any credit balance in your account that you may have with FINCA to set off
the amount you owe to us.

8. STATEMENTS
8.1 We will give you a statement showing all amounts added or taken from your account since the previous statement. You must check your statement carefully and tell us as soon as possible
if there is something, which appears to you to be wrong or not made in accordance with your instructions.
8.2 We will correct any entries we make by mistake to your account as soon as possible after you tell us about them or we notice them.

9. USING INFORMATION ABOUT YOU

9.1 We will store and process information (including personal and financial information) and information which we;
a) Obtain from third parties such as joint account holders, credit reference agencies or other organisations
b) Learn from the way you use and manage your account(s) as well as learn from the transactions you make or from the payments, which are made to your account.

10. DISCOLSURE OF INFORMATION ABOUT YOU

10.1 We may disclose information about you to any person in connection with an actual or proposed contract, which relates to this agreement. This includes disclosing information under the
terms of such contracts and such a contract includes the agreement and /or transfer of all our rights and obligations under the agreement.
10.2 For our protection and our customers, we have to follow certain procedures when opening accounts.
These may include the use of credit scoring, obtaining information from credit reference agencies and the parting of information about you for lending purposes to any company in the same
group of companies as us.
10.3 We may disclose information about you to credit reference and fraud prevention agencies and other organisations, who may record, use and give out information to other lenders to help
other users make assessments for credit, debt tracing and to prevent fraud and money laundering.
10.3 We shall not be held liable for any information submitted to a credit reference agency in pursuance of applicable regulations
10.4 FINCA shall treat all customers’ information as private and confidential not withstanding that the customer has ceased to be a FINCA Customer
10.5 Other than as provided above, we will not disclose information to third parties unless.
a) We are legally compelled or it is in the public interest to do so.
b) You ask us to do so or give us permission; or
c) It is in our interest to do so.

11. CHANGING THE TERMS OF THE AGREEMENT.

11.1 We may change the terms of this agreement (including our charges) at any time by telling you about the changes by reasonable and practicable means. We will give you reasonable notice
to any changes. We will use our reasonable endeavors, consistent with good banking practice to ensure that if the change is material the notice period we will give you is sufficient to ensure
that you have an opportunity to withdraw from the service before the changes take place. Unless we tell you otherwise, notice will be given in writing, or by email, SMS or by publication in the
national press.

12. CLOSING YOUR ACCOUNT

12.1 You can close your account by telling us in writing.
12.2 We can end our relationship with you by telling you in writing. We will give you at least 30 days’ notice unless you are in material breach of this agreement, in which case we may end our
relationship and close your account without notice and with immediate effect. We can also give you a new account number and /or transfer your account to another branch if we close or
combine branches. Any benefit or service we provide in relation to particular accounts will end as soon as your account is closed.

+260 0971 245 429 / +260 971 245 429 [email protected] PAOF V2/2018