1. Services Trade Restrictions July 17, 2012

2. Financial Services

3. Approach A:Services with export potential, where the focus needs to be on requests to open export markets in your trading partner countries (offensive market access interests). B: Services with high potential for development but needing foreign investment, where the focus needs to be on opening Mode 3. Or services in which you need to increase efficiency to improve other services and manufacturing. C: Non-sensitive services with relatively low export potential, which can be liberalized in exchange for concessions from trading partners. D: Sensitive services that are best reserved for domestic suppliers, either because they are essential services, they are critical to national development goals, they include a lot of small operators who would be displaced by larger foreign firms that are more efficient, or they need further strengthening before being opened to international competition.

4. Overview of Presentation Restrictions from legislation – Banking – Insurance GATS Commitments Comparison with COMESA Commitments Key Issues – Requests Markets of interest What is contained in legislation and GATS of countries of interest? – Offer Legislation, GATS, COMESA, or a combination?

5. Mode 1 Restrictions (Mode 1 — Cross border trade): From the territory of one Member into the territory of any other Member.

7. Mauritius Mode 1 Law – None – Except for anti money laundering – Beyond a certain amount you have to prove source of funds. No exchange control

13. Possible Requests CountriesCommitments Botswana  Lending by bank (with stipulation and No GATS commitment) (M1)  Acceptance of deposits (M1)  Auto insurance(with stipulation and No GATS commitment) (M1)  Life insurance(with stipulation and No GATS commitment) (M1)  Re-insurance (with stipulation and No GATS commitment) (M1) Congo  Lending by bank (M1) (No GATS commitment)  Acceptance of deposits (M1) (No GATS commitment)  Auto insurance (with stipulation and No GATS commitment) (M1)  Life insurance (with stipulation and No GATS commitment) (M1)  Re-insurance (with stipulation and No GATS commitment) (M1) Lesotho  Acceptance of deposits (with stipulation) (M1)  Auto insurance (M1)  Life insurance (M1)  Re-insurance (M1)  Lending by bank (M1) (Inconsistent with GATS) Madagascar  Suspended

14. Possible Requests CountriesCommitments Malawi  Lending by bank (with stipulation) (M1)  Life insurance (with stipulation) (M1)  Re-insurance (with stipulation) (M1)  Acceptance of deposits (M1) (Inconsistent with GATS)  Auto insurance (M1) Mozambique  Lending by bank (with stipulation) (M1)  Acceptance of deposits (M1)  Lending by bank (with stipulation) (M1)  Life insurance (with stipulation) (M1)  Re-insurance (M1) Namibia  Lending by bank (with stipulation and no GATS commitments)(M1)  Acceptance of deposits (with stipulation and no GATS commitments) (M1)  Auto insurance(with stipulation) (M1)  Life insurance(with stipulation) (M1)  Re-insurance (with stipulation) (M1)

15. Possible Requests CountriesCommitments South Africa  Lending by bank (unbound in GATS) (M1)  Acceptance of deposits (M1)  Auto insurance (M1)  Life insurance(unbound in GATS) (M1)  Re-insurance (inconsistent with GATS) (M1) Tanzania  Lending by bank (No GATS commitments) (M1)  Acceptance of deposits (No GATS commitment) (M1)  Auto insurance (M1)  Life insurance(with stipulation (M1)  Re-insurance (with stipulation) (M1) Zambia  Lending by bank (No GATS commitment) (M1)  Acceptance of deposits (No GATS commitment) (M1  Auto insurance(with stipulation) (M1)  Life insurance(with stipulation) (M1)  Re-insurance (No GATS commitment) (M1) Zimbabwe  Lending by bank (with stipulation) (M1)  Acceptance of deposits (with stipulation) (M1)  Auto insurance (with stipulation) (M1)  Life insurance (with stipulation) (M1)  Re-insurance (with stipulation) (M1)

16. Mode 3 Restrictions (Mode 3 — Commercial presence): By a service supplier of one Member, through commercial presence, in the territory of any other Member.

29. Possible Requests CountriesCommitments Botswana  Lending by banks (with stipulation and No GATS commitment) (M3)  Acceptance of deposits (with stipulation and No GATS commitment) (M3)  Auto insurance (with stipulation and No GATS commitment) (M3)  Life insurance (with stipulation and No GATS commitment) (M3)  Re-insurance (with stipulation and No GATS commitment) (M3) Congo  Lending by banks (with stipulation) (M3)  Acceptance of deposits (with stipulation (M3)  Auto insurance (Local monopoly) (M3)  Life insurance (local monopoly) (M3)  Re-insurance (Local monopoly) (M3) Lesotho  Lending by bank (with stipulation) (M3)  Acceptance of deposits (with stipulation) (M1)  Auto insurance(with stipulation) (M3)  Life insurance(with stipulation) (M3)  Re-insurance (with stipulation) (M3) Madagascar  Supsended  Suspended

30. Possible Requests CountriesCommitments Malawi  Lending by bank (Inconsistent with GATS schedule) (M3)  Acceptance of deposits (Inconsistent with GATS schedule) (M3)  Auto insurance(Inconsistent with GATS schedule) (M3)  Life insurance(Inconsistent with GATS schedule) (M3)  Re-insurance (Inconsistent with GATS schedule) (M3) Mozambique  Lending by bank (with stipulation) (M3)  Acceptance of deposits (with stipulation) (M3)  Auto insurance (No GATS commitment) (M3)  Life insurance (No GATS commitment) (M3)  Re-insurance (No GATS commitment) (M3) Namibia  Lending by banks (with stipulation and No GATS commitment) (M3)  Acceptance of deposits (with stipulation and No GATS commitment) (M3)  Auto insurance (with stipulation and No GATS commitment) (M3)  Life insurance (with stipulation and No GATS commitment) (M3)  Re-insurance (with stipulation and No GATS commitment) (M3) South Africa  Lending by bank (with stipulation) (M3)  Acceptance of deposits (with stipulation) (M3)  Auto insurance(with stipulation) (M3)  Life insurance(with stipulation) (M3)  Re-insurance (with stipulation) (M3)

31. Possible Requests CountriesCommitments Tanzania  Lending by banks (with stipulation and No GATS commitment) (M3)  Acceptance of deposits (with stipulation and No GATS commitment) (M3)  Auto insurance (with stipulation and No GATS commitment) (M3)  Life insurance (with stipulation and No GATS commitment) (M3)  Re-insurance (with stipulation and No GATS commitment) (M3) Zambia  Lending by banks (with stipulation and No GATS commitment) (M3)  Acceptance of deposits (with stipulation and No GATS commitment) (M3)  Auto insurance (with stipulation and No GATS commitment) (M3)  Life insurance (with stipulation and No GATS commitment) (M3)  Re-insurance (with stipulation and No GATS commitment) (M3) Zimbabwe  Lending by bank (with stipulation) (M3)  Acceptance of deposits (with stipulation) (M3)  Auto insurance(with stipulation and No GATS commitment) (M3)  Life insurance(with stipulation and No GATS commitment) (M3)  Re-insurance (with stipulation and No GATS commitment) (M3)

32. Services Trade Restrictions Index Botswana30.3 Congo, the Democratic Republic of the39.5 Lesotho0 Madagascar31.2 Malawi35.2 Mauritius9 Mozambique17.2 Namibia27.4 South Africa19.5 Tanzania, United Republic of22.7 Zambia8.4 Zimbabwe55.5 Financial Services

33. The end. Thank you/