PROFESSIONAL BANKING YOUR PRIVATE BANKING EXPERIENCE FROM NEDBANK

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1 PROFESSIONAL BANKING YOUR PRIVATE BANKING EXPERIENCE FROM NEDBANK

2 MAKING BANKING MORE PROFESSIONAL FOR YOU Whether you are operating as a specialist in your field, climbing the corporate ladder, pursuing entrepreneurial ventures, or simply looking for a professional banking experience that emphasises convenience, quality and flexibility, Professional Banking is the answer. With dedicated relationship bankers, tailored financing and investment options and 24/7 service, we offer a seamless banking experience for you and your family. This offering enables your financial aspirations, comes with the rewards and lifestyle benefits you deserve and is flexible to grow as your needs grow.

3 CONTENTS With a dedicated relationship banker, 24/7 support and easy-to-use digital channels, we offer a seamless banking experience for you and your family. A BANKING PACKAGE THAT WORKS AS HARD AS YOU DO Experience a banking solution that emphasises convenience, quality and flexibility... 4 BENEFITS AND LIFESTYLE REWARDS FOR THE ENTIRE FAMILY Access the rewards and lifestyle, travel and household banking benefits that you deserve...6 UNIQUE INVESTMENTS TO SUIT YOUR LIFESTYLE Plan for the future, reach your financial goals and make your money work for you... 8 FINANCE THAT LETS YOU DREAM BIG Obtain funding to unlock the lifestyle you work hard to achieve for you and your family WAYS TO BANK THAT SUIT YOUR BUSINESS HOURS Choose from a range of worldclass secure banking channels that allow you to stay on top of your finances, no matter where you are A UNIQUE APPROACH TO YOUNG PROFESSIONALS To help you in the early stages of your career, get fast-tracked to a banking experience that supports your aspirations... 14

4 GET A PRIVATE BANKING EXPERIENCE TAILORED FOR PROFESSIONALS LIKE YOU

5 A banking package that works as hard as you do See the difference your money can make with Professional Banking from Nedbank. You get a dedicated banker, 24/7 service, preferential rates, platinum cards and rewards all for a single monthly fee. A pay-as-you use option is also available. DAY-TO-DAY BANKING BENEFITS Contactless-enabled cheque and credit cards (tap and go), delivered to your door free of charge. Unlimited swipes, debit orders and ATM withdrawals plus deposits as well as Nofunds Alerts, so you ll always know if your account is running low. Overdraft facility for extra cashflow, should you need it (for an additional monthly fee). Travel benefits, including unlimited airport lounge access, travel insurance, free delivery of your forex and 50% discount on the prestigious American Express Platinum Charge Card (for the global traveller). Greenbacks rewards are earned on your everyday card spend. INTERNATIONAL BANKING Diversify your portfolio or hedge your position against currency fluctuations with our Foreign Currency Account. Global banking specialists are available to assist you in making outward payments or receiving crossborder payments. 24/7 RELATIONSHIP ACCESS Your dedicated relationship banker is accountable for your banking relationship, is trained to handle even the most complex requests and appreciates your personal circumstances. He/She is accessible by , phone or on appointment. Your exclusive professional banking contact centre can be accessed for account maintenance and service-related requests available 24/7 by phone or . Your account can be managed your way through Nedbank Internet Banking or the new Nedbank Money app. SPECIALIST ADVICE FOR LENDING, INVESTMENTS AND FINANCIAL PLANNING Your dedicated relationship banker will liaise with specialists to ensure you get the best possible rates. For larger investments we deal directly with our Treasury Desk, so you get the best the market can offer together with the flexibility you need. We know you work hard to give your family nothing but the best, and we ll ensure that their financial future is secure, with worldclass planning and advice. All credit applications are subject to final credit approval, and terms and conditions apply. 4

6 ENJOY UNIQUE BENEFITS FOR YOU AND YOUR FAMILY

7 Benefits and lifestyle rewards for the entire family GREENBACKS REWARDS Earn rewards on your everyday card spend and access exclusive discounts. Double your earnings by swiping your American Express Greenbacks Cheque or Credit Cards. Spend your Greenbacks on the Greenbacks Mall you can shop with, invest or donate your points. Use your Greenbacks SHOP Card for automatic conversion of your points to cash, and even to withdraw cash from ATMs. LOCAL AND INTERNATIONAL BENEFITS FOR TRAVELLERS Gain free and unlimited access to Bidvest airport lounges in South Africa (domestic and international departure lounges) just swipe your Professional Banking Cheque or Credit Card at the counter. Use your credit card to book your flights to qualify for free travel insurance. Order foreign currency (banknotes and/or Travel Card) and we ll deliver it to your door free of charge. Access international lounges, concierge services and exclusive hotel and car hire benefits through Nedbank s prestigious American Express Platinum Charge Card. Professional Banking clients qualify for a 50% discount on the first year s annual fee. HOUSEHOLD BANKING Your relationship banker is equipped to provide the right banking solutions to suit the various members of your household. As an extension of our offering to you, your family automatically qualifies to experience the same great benefits, including: Access to your dedicated relationship banker for their banking needs. Secondary platinum cards for your spouse this means your spouse can access airport lounges and earn Greenbacks rewards at the same level as you. Accounts for your children (at school or university) and even for your domestic worker(s). Furthermore, we take a household view when assessing your credit application(s). 6

8 BENEFIT FROM EXPERT FINANCIAL ADVICE AND PREFERENTIAL RATES

9 Unique investments to suit your lifestyle Preferential investment rates and even access to direct dealing through our Treasury Desk for larger investments means you will get the best the market can offer and the flexibility you require. FLEXIBLE INVESTMENT OPTIONS Your financial growth comes with important decisions and responsibilities. Nedbank offers a wide range of investment options, from simple savings and money market accounts to unit trusts, share trading and other more complex investment options. The choice is yours and your relationship banker is there to guide you based on your specific risk appetite, cashflow needs and required returns. Ask your relationship banker about setting up your Call Account for short-term savings or about exclusive investment products, such as Platinum Part IT or Platinum Fixed Deposits only available to Professional Banking clients. Your banker can source tailored rates for investments over R For investments over R10 million professional services from Nedbank s Treasury Desk are available to suit your needs. STOCKBROKING SERVICES We offer a choice of investment approaches depending on your skills, desired level of involvement and risk appetite. Trade online independently or we ll introduce you to your own professional stockbroker. WEALTH CREATION, PRESERVATION AND PROTECTION We ll give you access to a financial planner to assess your financial position and your future goals, consider different retirement scenarios, calculate the various costs and design an investment portfolio that will suit you and your household. We offer a comprehensive service including financial planning, such as will drafting (offered free of charge) and contingent liability cover; education planning for your children; and estate and retirement planning. FOREIGN CURRENCY ACCOUNT Diversify your portfolio or hedge your position against currency fluctuations with our Foreign Currency Account. Global banking specialists are available to assist you in making outward payments or receiving crossborder payments. 8

10 GET THE FINANCE THAT SUPPORTS YOUR PERSONAL AND PROFESSIONAL ASPIRATIONS

11 Finance that lets you dream big Our credit approach and lending specialists are geared towards the needs of up-and-coming and established professionals like you. We take into account your track record, career goals and multiple income streams when assessing your finance requests. OVERDRAFT OR BRIDGING FINANCE This is ideal for financing ad hoc needs or managing short-term cashflow constraints. VEHICLE FINANCE If you are in the market for a car, Nedbank is here to support you. Contact your relationship banker to get a provisional answer within minutes. BUYING OR BUILDING A HOME Are you buying, renovating or building your dream home? We have the right finance solution for you. Contact your relationship banker for a quote or get an instant bond indication online. We offer 100% bonds on homes of up to R STARTING YOUR OWN BUSINESS OR PRACTICE Nedbank has extensive experience in serving small businesses. We offer a comprehensive suite of payment, investment and finance solutions, as well as industry specialisation and services that extend beyond banking. Register your business and open a business account in one seamless step at Nedbank.co.za/business or contact us on INSURANCE Make sure your assets are protected against unforeseen events. Nedbank Group Insurance Brokers can manage your individual, household and/or business insurance needs and factors in all the required details to make sure you are covered. All credit applications are subject to final credit approval, and terms and conditions apply. 10

12 24/7 SECURE BANKING AT YOUR FINGERTIPS

13 24 Ways to bank that suit your business hours Because your schedule doesn t keep average banking hours, neither do our services. DEDICATED RELATIONSHIP BANKER Your dedicated relationship banker is there to partner with you. He/She is well equipped to understand your needs; provide value-added and relevant financial advice; offer education on product features and services; resolve enquiries; and manage your credit applications efficiently. DIGITAL BANKING Nedbank Internet Banking and the new Nedbank Money app ensure you have easy and safe access to your money anytime, anywhere. Manage your money like never before through our digital channels, which give you complete control of your finances and provide convenient self-service functionality such as Quick Pay, with which you can pay your beneficiaries in just two clicks. You can also reduce or increase your ATM card limit, and if your card is lost or stolen, you can block it and reorder one immediately, and we ll deliver it or you can collect it. MAKE PAYMENTS EASY Nedbank is making shopping even faster and easier with contactless-enabled cards. Now you can simply tap your Professional Banking Cheque or Credit Card to pay for purchases of up to R200. For purchases between R200 and R1 000 you can still tap your card, but you must enter your PIN to pay. No cash required! Masterpass by Mastercard is making shopping fast, easy and secure by storing all your payment and shipping details in one place. Masterpass is now available through the Nedbank Masterpass app. It will simplify the checkout process whether you are shopping instore or online or using your smartphone or tablet. CONTACT CENTRE 24/7 SUPPORT Your dedicated contact centre team is a committed, dedicated team on call for you 24 hours a day. Available on or by at professionals@nedbank.co.za, they can be contacted for enquiries relating to banking, lost cards, credit cards, investments, home loans and vehicle finance. 12

14 GET FAST- TRACKED TO A BANKING EXPERIENCE THAT SUPPORTS YOUR ASPIRATIONS

15 A unique approach to young professionals If you are under 30 years old and hold a four-year qualification, we know you are going places. GET FAST-TRACKED To help you in the early stages of your career Nedbank offers you all the banking, rewards and lifestyle benefits of our Professional Banking offering at a 50% reduced monthly service fee. TAILORED FINANCE With the support of your dedicated relationship banker, credit decisions are personalised to your unique circumstances and you can get: 100% loans for home loan applications of less than R1,5 million; and 100% loans for vehicle finance applications of less than R FINANCIAL ADVICE As a young professional you are building a portfolio of financial assets. Your financial growth also comes with important decisions and responsibilities. We ll give you access to a financial planner to assess your financial position and your future goals, consider different retirement scenarios, calculate the various costs and help you determine the optimal portfolio for your circumstances. We ll even draw up a will for you for free. As you gain experience, get the professional banking experience that comes with the benefits that matter and is flexible enough to grow as you grow. Ask about our tailored finance options for your first car and home. Please note: A discounted monthly service fee is available until you reach the age of 30 years. All credit applications are subject to final credit approval, and terms and conditions apply. 14

16 GO PROFESSIONAL Your dedicated banker is available to discuss your specific needs and make switching to Nedbank a seamless process for you and your family. Contact us today on or us at professionals@nedbank.co.za. We are available 24/7 for banking queries or to arrange an appointment. FOR MORE INFORMATION PLEASE VISIT nedbank.co.za Nedbank Limited Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).