Pricing as at January Consolidator

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1 R E W A R D S Pricing as at January 2014 Consolidator

2 Consolidator Pricing option 1 Pay as you transact Deposits Cheque deposits 1 At Standard Bank ATM At branch Cash deposits At Standard Bank ATM At branch At AccessPoint Cash withdrawals At Standard Bank ATM 2,3 At AccessPoint Branch cash withdrawal Using a cheque card, credit card or debit card Cheque encashment International ATM Payments Prepaid recharges using Standard Bank: Cellphone Banking and Mobile App Internet Banking ATM 3 R15,00 per cheque R15,00 per cheque R3, % of value R6, % of value R4,00 R3, % of value R4,00 R28, % of value Branch cash withdrawal fee + cheque service fee R33, % of value R1,00 Electronic inter-account transfers (excluding savings and investment accounts) R3,50 Stop order 4 R5,00 Electronic account payments R5,00 Cheque card purchase Debit card purchase Debit order 4 R12,00 Branch inter-account transfers or account payments (to Standard Bank third parties) R20,00 Cheque service fee R3, % of value (max total fee R50,00)

3 Bank cheque R75,00 Annual cheque card fee for Pay as you transact Other monthly fees Monthly service fee on arranged overdraft limits above R500 R26,50 Monthly service fee on unauthorised overdrafts R57,00 Internet Banking subscription fee 1 Deposit fee is levied per cheque deposited. 2 Where there is no Standard Bank ATM available in a town or if it is offline, the Standard Bank ATM cash withdrawal fee is applicable. 3 Cash withdrawal at another bank s ATMs will attract R6,70 plus the AutoBank cash withdrawal fee. Prepaid recharges at another banks ATM will attract a fee of R6,70. 4 Debit and stop orders to another Standard Bank account in favour of personal loans/rcp/wtp/student loans are only charged a fee of R3,50. Pricing option 2 Fixed monthly fee (Plus) 1,2 Monthly fee 3 R43 The fee includes: AutoBank cash deposits/accesspoint (cash-in) 1 3 AutoBank cash withdrawals 4 /AccessPoint (cash-out) 1 8 Branch cash withdrawals (using a card or cheque) 5 3 Cheques (issued and deposited) 5 6 SendMoney 6 transactions using Cellphone Banking 2 Electronic transactions 7 Unlimited Electronic balance enquiries, mini-statements and electronic prepaid top-ups Unlimited Monthly Internet Banking subscription MyUpdates 8 Debit/cheque card purchases Annual cheque card fee Included TravelWallet 9 Included Direct delivery service (Foreign currency) Included 1 Transactions performed at AccessPoint are included in the bundle. 2 Transactions in excess of the specified maximum and those not shown in this table, will attract Pay as you transact fees.

4 3 Consolidator Plus customers who choose the rebate option and maintain a daily minimum positive balance of at least R for the full calendar month will have their monthly fee refunded. 4 Excludes other bank cash withdrawals. 5 Includes cheque encashment. The cheque portion of the cheque encashment transaction is covered up to the maximum number of cheques and the same applies to branch cash withdrawals. Please consult your branch for more details. 6 Instant transfer of money between Standard Bank customers using Cellphone banking. The receiver s cellphone number must be linked to their account. 7 This includes any combination of debit and stop orders, electronic interaccount transfers, electronic account payments and debit/cheque card transactions. 8 SMS notifications. 9 TravelWallet includes card activation fee, loading and reloading value fees. Pricing option 3 Rebate The rebate is applicable to fees incurred on Standard Bank ATM cash withdrawals, electronic inter-account transfers, electronic account payments, debit orders, cheques and cheque card purchases, as well as the plus option fixed monthly fee. Minimum daily positive balance for the full calendar month Maximum monthly rebate R to R R85,00 R to R R125,00 R to R R225,00 R to R R280,00 R R420,00 Personal/Owner Loan Protection Plan Age Bands Plan D Plan E Plan F Death, Death, Death permanent permanent disability, dread disability, and disease and retrenchment retrenchment R2,39 R2,01 R1,24 To calculate: Divide your outstanding balance by R1 000, then multiply by the rate = monthly premium. (The premium decreases monthly as your outstanding balance decreases).

5 The following fees apply unless specifically excluded Information Balance enquiries and mini-statements At Standard Bank ATM (display) At Standard Bank ATM (print) At branch At another bank s ATM Provisional statements At AutoPlus seven days: one free a month, thereafter At AutoPlus 30 days: one free a month, thereafter At Branch one free a month, thereafter Transaction history At AutoPlus 60 days At AutoPlus 90 days At AutoPlus 180 days Transaction history At Branch 60 days At Branch 90 days At Branch 180 days Internet and Cellphone Banking statements Formal ed statements Posted statements Internet Banking payment confirmation fee By By SMS By Fax MyUpdates /SMS notifications Chequebooks Non-carbonised chequebook with 40 cheques R1,10 R6,00 R4,50 R3,50 R4,50 R16,00 R7,50 R10,50 R12,50 R30,00 R40,00 R50,00 R0,70 R0,90 R3,20

6 Other services applicable to all options Declined cash withdrawal At Standard Bank ATM At another bank s ATM R2,20 R4,50 Depositing a post-dated cheque R95,00 Garage card transaction fee R3,85 Replacement card Debit card (magstripe) Debit card (Chip/EMV card) Cheque card R47,00 R80,00 R120,00 Special clearance on cheques deposited R90,00 Stop payments on cheques and debit orders R42,00 Stop order (amend/cancel) fee R16,00 Internet future dated payment unpaid R28,00 Dishonour fee 1 R115,00 Honouring fee 2 R120,00 PIN re-set ATM PIN re-set Branch Point of sale decline due to insufficient funds R5,00 Disputed debit orders (if after 40 days and customer proved wrong) R180,00 Will drafting fee (complex will) Will drafting fee (pre-printed will) Will review Will safe custody annual fee R125,00 1 A charge for a payment that we dishonour due to insufficient funds in your account. 2 A charge for a payment that we honour when you do not have sufficient funds in your account. Consolidator Current account fee options You can choose from three different fee options. 1. Pay as you transact you pay for each transaction. 2. Fixed monthly fee (Plus) you pay a single monthly fee for a fixed number of transactions. 3. Rebate if you keep a specified daily minimum balance in your account for a full calendar month we will refund a portion of the service fees incurred under the Pay as you transact and fixed monthly fee options.

7 Tips on how to manage your account The following tips will assist you in banking faster and cheaper at your own convenience: Use the Standard Bank Mobile App on your smartphone to transfer funds, pay beneficiaries, buy airtime, check balances and much more. Use Internet, Telephone or Cellphone Banking as a more cost effective way to perform most of the transactions you do in the branch. Recharge prepaid airtime free of charge using the Internet, Telephone, Cellphone Banking or the Standard Bank Mobile App. In order to avoid paying the cheque deposit fee, rather try to have deposits paid electronically into your account. Avoid issuing cheques, it is cheaper to do electronic payments. Draw cash at a Standard Bank ATM if you are not already doing so and remember to always use our ATMs to avoid paying additional fees for using other banks ATMs. Use your cheque, debit or credit card to make in-store payments or purchase online with either your cheque or credit card. Use Internet Banking, AutoPlus machines or Cellphone Banking to pay monthly bills. Avoid administration fees by ensuring that there is always sufficient money to cover all expenses off your account. You can carefully monitor the funds in your account by obtaining your account balance as often as you need on Cellphone, Internet Banking or on the Standard Bank Mobile App. Remember that balance enquiries on Cellphone, Internet Banking and the Standard Bank Mobile App are free. To ensure that you have the best account and pricing option, visit your closest branch and discuss your needs with a consultant. We have also developed an Internet pricing calculator which enables you to decide on the best pricing option, given your transacting requirements. Open a savings or investment account, if you do not have one already, to help you grow your wealth. Link the savings account to your current account, making it easier for you to transfer money into your savings account on Internet, Cellphone Banking, our ATMs or the Standard Bank Mobile App. Electronic inter-account transfers from current account to savings and investment accounts are free.

8 R E W A R D S UCount Rewards UCount Rewards is our rewards programme that allows members to collect rewards points every time you shop with your Standard Bank personal debit, cheque or credit card. For just R20,00 a month, you can get up to 10%* back on groceries and 1.5%* back on all other purchases. For more information visit * Terms and conditions apply. Value Added Offers As a Consolidator customer you are now able to enjoy a range of added benefits that give you more value for your money. Over and above the benefits of Standard Bank s UCount Rewards program, you will also have access to our various value added offers. For more information call Valid until 31 March 2014 unless otherwise advised. Contact details General customer enquiries South Africa International information@standardbank.co.za Lost or stolen cards Internet Cellphone Banking *120*2345# Fraud / This brochure is not a comprehensive list of our prices and products. For further information, please contact your branch. Prices include VAT and are subject to change. Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. Standard Bank supports the Ombudsman for Banking Services Sharecall number Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA /13 PG001 OL02384

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