GREAT-VALUE PERSONAL RELATIONSHIP BANKING

GREAT-VALUE PERSONAL RELATIONSHIP BANKING Fees effective from 1 January 2014

Five steps to great-value banking Choose the right account for you. Is your bank account working for you? With Nedbank you are in control of your banking. By following these five steps you can bank wisely and save on fees. Use the tools available to you. Plan, budget, monitor your account and do more with our money management tools. Bank at your leisure. Use self-service banking and bank for less, anytime, anywhere, or take advantage of our extended banking hours. Sign up for rewards. Sign up for Nedbank Greenbacks and Nedbank Affinity-linked products. It all adds up. Choose the account that fulfils your future needs. Nedbank Limited Reg No 1951/000009/06 Nedbank is an authorised financial services provider. This information replaces any information in previously distributed brochures that may still be in circulation. * E&OE (errors and omissions excepted).

Personal relationship banking Personal Relationship Banking Bundle Account Personal Relationship Banking Current Account Savvy Bundle Account Credit Credit card Travel Foreign exchange Small businesses Small Business Services Current Account Small Business Services Credit Card 14 18 22 24 26 28 34

More bank for your buck Great-value relationship banking provides you with: A dedicated relationship banker Whether you re running a business, are a key employee or are balancing your time with your family, we understand that you lead a demanding life, with a lot of pressure on your time, and often when you least expect it on your finances. Your dedicated relationship banker is there to assist you, your household and your business with your day-to-day banking needs, and to partner with you in ensuring your future financial fitness. Accessibility A wide range of digital channels, such as NetBank internet banking, and NedApp, cellphone and telephone banking, allow you to bank whenever and wherever you want. Step into one of our 50 relationship centres or visit any of our 450 Nedbank branches, where extended branch banking hours will give you even greater access to your banker and your money. You can also use tillpoints at Pick n Pay and Boxer stores. Our contact centre, which is open 24 hours a day, is available on 0860 555 222 for personal relationship banking and on 0860 116 400 for small businesses. Affordable and transparent banking Don t pay more fees than you have to. With convenient channels and a host of products designed to make your banking more affordable, let us help you make sure you save on bank fees. See what you pay, compare bank fees and see how your account stacks up against others with our Bank Fees Calculator. 2

Five steps to great-value banking Great-value banking TOOLS and TIPS Banking savvy begins with making sure that your account matches your banking behaviour. Choose the right account based on the way you prefer to bank. Choose the right account for you. With our wide range of products there is an account that is suited to you. Use our Bank Fees Calculator to match an account to your banking needs: Capture the number and value of the transactions you made for the month. Calculate how much you spent on bank fees. Compare your fees with those of other Nedbank products. Based on how you prefer to transact electronically or inbranch and how much you are paying in fees, choose a product to suit your banking behaviour. Go to www.nedbank.co.za/bfc for the Bank Fees Calculator, ask your banker to help you find the right account for you or visit your nearest Nedbank. 3

Use our money tools. With our easy-to-use banking tools you can manage your finances and keep your account in tip-top shape. No-funds alert* Maintain a good credit record and avoid incurring dishonoured-payment fees activate our no-funds alert service. The service notifies you, by SMS, when you have insufficient funds in your account to meet debit order payments. It also automatically delays expected transactions for up to 32 working hours, giving you time to deposit money into your account. Your benefits: Avoid paying penalty fees. Prevent policies or accounts from lapsing. Maintain a good credit record. Sign up by calling your banker or the contact centre on 0860 555 222 for personal relationship banking or on 0860 116 400 for small businesses. You can also go to www.nedbank.co.za or visit your nearest Nedbank. * Fees applicable. MyFinancialLife * Take greater control of your finances with our free, highly secure, easy-to-use personal financial management tool. MyFinancialLife is an online tool that provides a view of your entire financial position in one place. It s available to Nedbank and non-nedbank clients for free. Register at www.nedbank.co.za/myfinanciallife. * Terms and conditions apply. 4

Bank at your leisure. Save time and money by choosing to bank anytime, anywhere: Nedbank is proud to bring you the Nedbank App Suite, which provides you with a unique, device-adaptable and -customisable banking experience. Nedbank enables you to achieve your goals with the ability to choose whatever suits you from a range of secure tools and NedApps at your convenience. Welcome to the world of anytime, anywhere banking from Nedbank. The Nedbank App Suite is available for download from the Apple, Android and Blackberry App Stores. Register for self-service banking channels, such as cellphone, internet and telephone banking. Enjoy free SMS Banking: register a self-service banking profile. Once you have received your PIN and profile number, dial *120*001#, and press Send. Then simply follow the prompts. Use our self-service terminals (SSTs) outside Nedbank branches or next to Nedbank ATMs. Access selected banking facilities at Pick n Pay and Boxer stores. Enjoy our extended hours at selected Nedbank branches throughout the week, over weekends and even on Sundays. Visit your nearest Nedbank, call 0860 115 060 or go to www.nedbank.co.za for details. 5

Get rewarded. Nedbank Greenbacks Get rewarded for using your qualifying Nedbank credit or cheque card. As a Nedbank Greenbacks accountholder, you can earn double Greenbacks on all your eligible American Express Card spend. Greenbacks can be redeemed for a variety of rewards: Spend your Greenbacks on groceries, fuel, electronic devices, books, the finest wines and whiskies and so much more. Invest your Greenbacks in a Nedbank unit trust or pay up to R100,00 a month towards your cheque and savings account bank charges. Use your Greenbacks for a cash donation to one of over 600 charities in our database. Sign up for the Nedbank Greenbacks Rewards Programme by calling your banker or 0860 555 222 for personal relationship banking or 0860 116 400 for small businesses or by visiting your nearest Nedbank, or go to www.nedbankgreenbacks.co.za. Nedbank Affinity Programme Reward others by linking your Nedbank current or transactional account to the Affinity of your choice: Each time you use a Nedbank Affinity-linked product a donation is made on your behalf to a cause you care about at no cost to you. You can support the Nedbank Children s Affinity and help children in need; Nedbank Green Affinity and help conserve the environment; Nedbank Sport Affinity and support sport development in South Africa; or Nedbank Arts Affinity and support the development of South African arts and culture. Call us on 0860 DO GOOD (46 4663) or visit your nearest Nedbank. 6

It all adds up. We have product options that suit your transactional behaviour, be it pay-as-you-use (for clients with low transactional volumes) or bundled products (for clients with high transactional volumes who prefer to know exactly what they will pay every month, as a fixed monthly fee is charged). Make sure that your account is still right for your transactional behaviour as well as your banking needs. Not sure? Consider the following: Do you need an overdraft? Do you need a chequebook or cheque card? Do you do most of your banking electronically or inbranch? What pricing option would suit you best? For more information on what is available contact your banker, go to www.nedbank.co.za or visit your nearest Nedbank. 7

For you and your household Great-value Personal Relationship Banking The Personal Relationship Banking Account (Bundle) This powerful product suite, coming at last year s price of only R269,00 a month, offers a comprehensive set of products and services that deliver great value for money. This single monthly fee affords you: 8 A dedicated personal relationship banker who is there to facilitate your banking needs and those of your household. Access to exclusive, conveniently located relationship centres for face-to-face meetings with your personal relationship banker. access to the services of a personal financial planner for your wealth management needs. A Platinum cheque account with numerous free unlimited transactions, a Platinum cheque card, a Platinum or Greenbacks credit card and a garage card at no extra cost. access to internet banking, and the cellphone and telephone banking channels. enote service receive SMS notifications that help you keep track of your current account and credit card transactions. Access to our no-funds alert* service receive SMS notifications of insufficient funds in your account there is up to 32 working hours delay on expected transactions. Access to our online share trading facility to buy and sell shares on the JSE without having to go through a broker. access to MyFinancialLife an online tool that provides a view of your entire financial position in one place.

Access to offshore banking solutions, facilitated through Nedbank Private Wealth, to enable movements of funds to and from offshore multicurrency jurisdictions, taxplanning benefits and international money management. Access to our Nedbank Greenbacks Rewards Programme, giving you the opportunity to spend, or invest your Greenbacks, or donate them to charity. Access to the personal relationship banking contact centre 24/7, and extended banking hours at selected Nedbank branches. access to Bidvest domestic and international lounges at local airports through your Platinum Credit Card. travel insurance for travel tickets booked on your Platinum Credit Card. Hassle-free card and foreign exchange delivery to a location of your choice. supplementary cards for household members. Access to Priority Pass International airport lounges, and car hire upgrade discounts by using the American Express Platinum Charge Card at a 50% discount. Access to preferential rates on overdraft facilities and other lending solutions (homeloan and vehicle and asset finance) that can be negotiated through your banker. Access to customised, competitively priced Personal Relationship Banking investment options. Platinum Park-It a short-term notice deposit account offering very competitive interest rate. Platinum Fixed Deposit a high-yielding deposit account that allows partial access to funds during the fixed investment term and offers a regular income payment. * For your household, select from one of the products and services listed on pages 26 to 41. * Additional fee applicable. 9

For you and your household The household offering We ll look after you and your household. Recognising the interdependencies between you and the members of your household, our personal relationship bankers are also available to provide guidance on the best financial solutions for your household. We understand that you play a vital role within your household, that s why our personal relationship banker won t only look after your banking needs, but those of your household too. Some of our banking options for the household include: Nedbank 4 me Tailored for kids and offers a secure method to transact and save, at market related interest rates. Dezign Student Account A current account for full time students between the ages of 16 and 26. Keyona Pay-as-you-use (PAYU) A basic transactional account that is easy to use and offers best value for money and the most competitive pricing structure. 10

Keyona Plus A flexible, pay-as-you-use current account that offers a simple and affordable solution to managing your money. Keyona Bundle A full transactional account that offers a simple pricing structure with embedded value. Savvy PAYU A day -to -day banking account and want to pay as you use, this is the right account for you. Savvy Plus If you do, on average, four or less Nedbank ATM withdrawals a month, and still want the whole enchilada for a fixed fee, then this account is ideal for you. Savvy Bundle If you re looking for the whole enchilada that includes cheque and credit cards, an overdraft and unlimited transactions all for a fixed fee, then this is the best value bundle for you. Optimum Current Account (clients of 55 years and over) The Optimum Current Account is a pay-as-you-use current account that offers reduced service fees and selected free transactions while you have a balance of R10 000 or more in a Nedbank fixed deposit, notice deposit or JustSave Account (excluding deposits made with Nedgroup Investments). 11

For your business Great-value Small Business Banking The Small Business Current Account This provides the perfect banking solution for your small business at just R51,00 a month, and provides your business with a host of valueadding benefits, which include: Access to the services of a relationship manager specialising in the banking needs of small businesses. Access to specialist advisers in the form of commercial financial planners, and investment managers, global trade, and professional and franchising managers. Coaching and mentoring through Business Partners Mentorship Services. Access to the SimplyBiz online portal (SimplyBiz.co.za) for advice and access to various special offers. Business Management seminars. Access to the Business Money Manager tool. Access to NetBank Business*, an internet banking platform tailored to the needs of businesses. A Nedbank Business Gold credit and/or debit card linked to the Nedbank Greenbacks Rewards Programme*. * Additional fee applicable. 12

Access to a Nedbank point-of-sale device* (card machine), enabling your clients or customers to pay directly for purchases and to access services such as prepaid airtime, electricity and cash withdrawals. Access to conveniently located relationship centres and Nedbank branches for face-to-face meetings with your small-business relationship manager. Subscription-free access to internet banking, cellphone banking, telephone banking and enote (receive SMS notifications on transactions to two cellphone numbers). Extended banking hours and access to a contact centre that is available 24/7. The use of SwiftReg services to enable business registration. An invoice discounting facility to help you manage cashflow in your business. Nedbank payroll solutions* for your business an internet-based operating system integrating your HR and payroll requirements. Access to vehicle and equipment finance for your business. enote service receive SMS notifications to up to two different cellphone numbers to help you and your business partner or accountant keep track of your current account and credit card transactions. * Additional fee applicable. 13

Personal relationship banking Bundled account Personal Relationship Banking Bundle Account MONTHLY FEE Account maintenance fee 1 R269,00 CARDS AND REWARDS Platinum Cheque Card service fee (including lost-card protection) Cheque card: Nedbank Greenbacks linkage fee Garage debit card 50% off American Express Platinum charge card (including free priority pass) VALUE ADDED SERVICES SMS notifications (enote) Self-service banking: Subscription fee 2 Self-service terminal, Cellphone banking (SMS or WAP), Telephone (self-service or agent assisted) NetBank internet banking PAYMENTS ELECTRONIC By SMS, cellphone, telephone, internet or self-service terminal Debit order (internalor external) Stop order Payments - cheque INTERACCOUNT TRANSFERS By SMS, telephone, cellphone (WAP or agent-assisted), or internet banking At a Nedbank ATM or branch Autotransfer processing fee CHEQUE AND DEBIT CARD CHARGES Purchase at a tillpoint Fuel purchase Card replacement fee 14 BALANCE ENQUIRIES At a self-service terminal, by SMS, telephone, cellphone or internet banking At a Nedbank ATM or branch 1 A billing cycle runs from the third-last business day of the month to the fourth-last business day of the following month. Your statement will reflect the fees for all transactions that you effected in the previous billing cycle. In other words, you are billed one month in arrears. 2 Includes NetBank internet banking, Telephone Banking: Agent-assisted and Cellphone Banking WAP. SMS Banking and Telephone Banking: Self-service are free.

You get a dedicated and skilled relationship banker for you and your household. Ensure your financial fitness and that of your household with full access to financial advice. Enjoy free access to Bidvest s domestic Premier airport lounges with your Platinum card. Enjoy numerous free and unlimited transactions for a fixed monthly fee. LISTS NetBank internet banking - up to five years At a self-service terminal 3 Transaction list up to five years Mini transaction list from a Nedbank ATM or branch Faxed transaction list via telephone banking STATEMENTS A4 mailed 4 Copy of A4 statement at a branch Electronic 4 AIRTIME TOPUP At a Nedbank ATM or through internet Nedbank App Suite OTHER Certificate of balance Copy of tax certificate Setup, amendment and cancellation of stop order Archived image of deposit slip/cheque on NetBank internet banking Cheque book (40 pages) Overdraft facility fee 5 R20,00 for limits from R1,00 to R5 000,00; R30,00 for limits from R5 001,00 to R10 000,00; R50,00 for limits of R10 001,00 or more DEPOSITS Cash deposit at a Nedbank Branch 6 or Nedbank ATM at a Nedbank Intelligent Depositor ATM 6 R2,50 plus R0,63 per R100,00 or part thereof 3 One free per billing cycle, thereafter R4,00. 4 For current account products you will automatically be mailed one (free) statement per month. For savings account products you will need to request a statement to be mailed and a fee will apply. 5 Facility fees, while prescribed by the National Credit Act, may differ for internal banking segments. 6 Five free cash deposits per billing cycle, thereafter R4,00 plus R1,25 per R100,00 or part thereof. At a branch or ATM jointly. 15

Personal relationship banking Bundled account Personal Relationship Banking Bundle Account continued CASH WITHDRAWALS At a participating retailer s tillpoint 7 At a participating retailer s tillpoint, combined with a purchase at the store 7 At a Nedbank ATM At another bank s ATM R9,50 plus R1,25 per R100,00 or part thereof At a branch Cheque encashment R25,00 plus R1,25 per R100,00 or part thereof; plus cheque service fees Debit or cheque card withdrawal R25,00 plus R1,25 per R100,00 or part thereof At another bank s self-service device R8,00 At an international ATM R30,00 plus R1,25 per R100,00 or part thereof CHEQUE DEPOSIT at a Nedbank Branch R8,50 per deposit at a Nedbank ATM R8,50 per deposit THIRD-PARTY PAYMENT NOTIFICATIONS SMS R0,70 Email 8 R0,55 Fax R3,00 PAYMENTS CHEQUE Bank-guaranteed cheque R45,00 Bank s own cheque R50,00 PAYMENTS AT A BRANCH To a Nedbank account R45,00 To an account at another bank R45,00 7 These fees apply at all stores where cash at tillpoint is offered, for example the Pick n Pay group, including Score and Boxer. 8 Notifications can be sent from other functions. However, a fee will be charged for each notification sent. 16

Personal relationship banking Bundled account Personal Relationship Banking Bundle Account continued BALANCE ENQUIRIES At another bank s ATM R4,00 At a Nedbank self-service device R1,50 At another bank s self-service device R4,00 CELLPHONE TOPUPS At another bank s ATM R6,00 OTHER CHARGES No-funds alert R6,00 per SMS Denied transaction at another bank s ATM R5,00 Denied transaction at a Nedbank self-service device R2,00 Denied transaction at another bank s self-service device R2,50 Archived image of deposit slip/cheque/statement > 90 days obtained from a branch R11,00 Stop-payment instruction R40,00 Letter of authority R50,00 Special clearance of a cheque deposited in a branch R65,00 Honouring fee R90,00 Preparation of security documentation R160,00 Dishonoured payment due to insufficient funds R90,00, increasing to R120,00 per item for the fourth and subsequent items within a 12-month cycle 9 This fee is only applicable to MasterCard cards and is calculated at 2% of the transaction value. For example, if you swipe your card overseas for the rand equivalent of R500,00, the fee will be R10,00. 17

Personal relationship banking Pay-as-you-use account Personal Relationship Banking Current Account ANNUAL SERVICE FEES Visa Electron/Maestro debit card Cheque card (including lost-card protection) R153,00 Cheque card: Nedbank Greenbacks linkage fee R179,00 Garage debit card R153,00 MONTHLY FEES Account maintenance fee R87,00 Overdraft facility fee 1 R20,00 for limits from R1,00 to R5 000,00; R30,00 for limits from R5 001,00 to R10 000,00; R50,00 for limits of R10 001,00 or more enote R12,00 SELF-SERVICE BANKING Subscription fee 2 R16,00 DEPOSITS Electronic deposit Cheque deposit at a Nedbank Branch R8,50 per deposit at a Nedbank ATM R8,50 per deposit Cash deposit at a Nedbank Branch or Nedbank ATM R5,00 plus R1,25 per R100,00 or part thereof at a Nedbank Intelligent Depositer ATM R2,50 plus R0,63 per R100,00 or part thereof CASH WITHDRAWALS At a participating retailer s tillpoint 3 R4,00 At a participating retailer s tillpoint, combined with a purchase at the store 3 R6,00 At a Nedbank ATM R3,50 plus R1,25 per R100,00 or part thereof At another bank s ATM R9,50 plus R1,25 per R100,00 or part thereof 1 Facility fees, while prescribed by the National Credit Act, may differ for internal banking segments. 2 Includes NetBank internet banking, Telephone Banking: Agent-assisted and Cellphone Banking WAP. SMS Banking and Telephone Banking: Self-service are free. 3 These fees apply at all stores where cash at tillpoint is offered, for example the Pick n Pay group, including Score and Boxer. 18

Get a dedicated and skilled relationship banker for you and your household. Enjoy access to advice to ensure your financial fitness and that of your household. Manage your fees by paying per transaction made. CASH WITHDRAWALS At a branch Cheque encashment R25,00 plus R1,25 per R100,00 or part thereof; plus cheque service fees Debit or cheque card withdrawal R25,00 plus R1,25 per R100,00 or part thereof At another bank s self-service device R8,00 At an international ATM R30,00 plus R1,25 per R100,00 or part thereof PAYMENTS ELECTRONIC SMS Banking Telephone Banking: Self-service R8,00 Debit order (internal) R6,00 Self-service terminal R8,00 NetBank internet banking R8,00 Cellphone Banking WAP R8,00 Telephone Banking: Agent-assisted R14,00 Stop order R14,00 Debit order (external) R13,00 Third-party payment notifications on NetBank 4 SMS R0,70 Email R0,55 Fax R3,00 PAYMENTS CHEQUE Cheque service fee Bank-guaranteed cheque R45,00 Bank s own cheque R50,00 PAYMENTS AT A BRANCH To a Nedbank account R45,00 To an account at another bank R45,00 R16,00 for values from R1,00 to R499,00; R26,00 for values from R500,00 to R1 499,00; R36,00 for values of R1 500,00 or more 4 Notifications can be sent from other functions. However, a fee will be charged for each notification sent. 19

Personal relationship banking Pay-as-you-use account Personal Relationship Banking Current Account continued INTERACCOUNT TRANSFERS SMS Banking Telephone Banking: Self-service R4,00 Cellphone Banking WAP R4,00 Self-service terminal R4,00 NetBank internet banking R4,00 At a Nedbank ATM R4,00 Telephone Banking: Agent-assisted R8,00 Autotransfer processing fee R9,00 At a branch R18,00 CHEQUE AND DEBIT CARD CHARGES Purchase at a tillpoint R4,00 Fuel purchase R4,00 Card replacement fee R50,00 BALANCE ENQUIRIES Self-service terminal SMS Banking Telephone Banking: Self-service Cellphone Banking WAP NetBank internet banking Telephone Banking: Agent-assisted At a Nedbank ATM 6 At a branch 6 At another bank s ATM R4,00 At a Nedbank self-service device R1,50 At another bank s self-service device R4,00 One free per billing cycle thereafter R4,00 LISTS NetBank internet banking - up to five years At a self-service terminal Transaction list up to five years 6 One free per billing cycle thereafter R5,00 Mini transaction list from a Nedbank ATM 6 One free per billing cycle thereafter R5,00 At a branch R10,00 Faxed transaction list via telephone banking R15,00 20 5 This fee is only applicable to MasterCard cards and is calculated at 2% of the transaction value. For example, if you swipe your card overseas for the rand equivalent of R500,00, the fee will be R10,00.

Personal relationship banking Pay-as-you-use account Personal Relationship Banking Current Account continued STATEMENTS A4 mailed 7 Copy of A4 statement at a branch 7 Electronic 7 One free per month One free per billing cycle thereafter R16,00 CELLPHONE TOPUPS At a Nedbank ATM At another bank s ATM R6,00 Via NetBank (internet banking) Nedbank App Suite OTHER CHARGES Transactions exceeding monthly limit No-funds alert R6,00 per SMS Certificate of balance Copy of tax certificate Setup, amendment and cancellation of stop order Archived image of deposit slip/cheque on NetBank (internet banking) Denied transaction at a Nedbank ATM Denied transaction at another bank s ATM R5,00 Denied transaction at a Nedbank self-service device R2,00 Denied transaction at another bank s self-service device R2,50 Archived image of deposit slip/cheque/statement > 90 days obtained from a branch R11,00 Chequebook (40 cheques) R27,00 Stop-payment instruction R40,00 Letter of authority R50,00 Special clearance of a cheque deposited in a branch R65,00 Honouring fee R90,00 Preparation of security documentation R160,00 Dishonoured payment due to insufficient funds R90,00, increasing to R120,00 per item for the fourth and subsequent items within a 12-month cycle 6 A billing cycle runs from the third-last business day of the month to the fourth-last business day of the following month. Your statement will reflect the fees for all transactions that you effected in the previous billing cycle. In other words, you are billed one month in arrears. 7 For current account products you will automatically be mailed one (free) statement per month. For savings account products you will need to request a statement to be mailed and a fee will apply. 21

Personal relationship banking Bundled account Savvy Bundle Account ANNUAL SERVICE FEES Platinum cheque/credit cards MONTHLY FEES Account maintenance fee 1 R169,00 No-funds alert Overdraft facility fee Self-service subscription fee enote Greenbacks CASH WITHDRAWALS At a Nedbank ATM Tillpoint cash only Tillpoint cash with purchase ACCOUNT PAYMENTS AND PURCHASES Electronic Interaccount transfer Electronic account payment 2 Debit orders Card purchase BALANCE ENQUIRIES At a Nedbank ATM LISTS Internet banking - statements for the past five years 22 OTHER FEES Balance enquiry at another bank s ATM R4,00 Cheque deposit (over the counter/at Nedbank ATM) R8,50 Cash deposit (over the counter/at Nedbank ATM) R8,50 Another bank s ATM cash withdrawals R9,50 plus R1,25 per R100,00 or part thereof Over the counter cash withdrawals One free per month, then R25,00 plus R1,25 per R100,00 or part thereof Cheque payment R25,00 Honouring fee R90,00 Dishonoured payment R90,00, increasing to R120,00 per item for the fourth and subsequent items within 12-months 1 Fee includes access to NetBank internet banking, Nedbank App Suite and Cellphone Banking WAP. SMS Banking is free. 2 Includes transfers and payments through SSTs, NetBank internet banking, Nedbank App Suite and Cellphone Banking WAP. Rates charged by service provider excluded.

Account comparison Cheque Account Name of Account User type Personal Relationship Banking Bundle High frequency user who requires a personal relationship banker Savvy Bundle High frequency user Personal Relationship Banking Current Account (Pay-asyou-use) Low frequency user Monthly fee R269,00 R169,00 R87,00 Value Adds MyFinancial Life App Suite SMS Banking Domestic airport lounge access International airport lounge access at local airports Personal Relationship Banker for entire household O O Add-Ons Credit Card O Greenbacks O Digital subscription O enote O American Express Platinum charge card at 50% discount Financial and estate planning including free drafting of a will O O Overdraft O O Key Transactions POS debit card purchase PAYU External debit order PAYU Internet third party payments (EFT) PAYU ATM withdrawals PAYU LEGEND Included in the monthly fee O Optional extra Not Available PAYU Pay-as-you-use 23

Credit Credit card Card type Monthly card fee Platinum 1 Garage R16,00 n/a Supplementary card fee (per card linked to account) PURCHASES Credit card Credit card budget facility VALUE-ADDED SERVICES Self-service subscription fee 2 R16,00 Transactional SMS notification DEPOSITS Cash (over the counter/nedbank ATM) Cheque (over the counter/nedbank ATM) R13,50 R5,00 plus R1,25 per R100,00, with a R17,00 minimum CASH WITHDRAWALS Over the counter R25,00 plus R1,25 per R100,00 Nedbank ATM R3,50 plus R1,25 per R100,00 Another bank s ATM R9,50 plus R1,25 per R100,00 International ATM 3 R30,00 plus R1,25 per R100,00 or part thereof PAYMENTS Interaccount transfer 4 R4,00 Electronic payment 4 R4,00 Fuel transaction 5 R4,00 Branch interaccount transfer R18,00 NOTIFICATIONS NetBank/Internet payment notification email R0,55 NetBank/Internet payment notification SMS R0,70 Definitions Card fee a fee that is charged monthly in arrear by Nedbank for the cost of services rendered to you and for the ongoing maintenance of the account. Initiation fee a once-off fee you will be charged on entering into a credit agreement. 24

Nedbank credit cards are recognised locally and internationally. Provide the simplest and most efficient way to manage your money. Earn rewards on everyday spend by joining the Nedbank Greenbacks Rewards Programme. Garage card fee 5 (per card linked to account) Nedbank Greenbacks Rewards Programme annual fee Initiation fee R16,00 R112,00 n/a n/a R112,00 NOTIFICATIONS NetBank/Internet payment notification fax R3,00 BALANCE ENQUIRIES Nedbank ATM Another bank s ATM R4,00 NetBank internet banking STATEMENT ENQUIRIES Nedbank ATM Nedbank SST Emailed/Mailed statement OTHER FEES Dishonoured payment R125,00 Tracing Up to R377,00 Incorrectly disputed transaction (local or international) R150,00 OTHER CHARGES International currency conversion 3 2% Card replacement 6 R75,00 Face-to-face card delivery 6 R135,00 Same-day card delivery R375,00 Special clearance of cheque deposit inbranch R70,00 Transaction fees apply across all credit cards. 1 The Nedbank Greenbacks Rewards Programme annual service fee will be automatically charged to the Nedbank Greenbacks Credit Card. 2 Includes NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 3 All foreign exchange transactions attract a currency conversion fee. 4 Includes transfers and payments through SSTs, NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 5 This fee is only applicable to garage cards. 6 For Platinum cards this service is free. 25

Travel Foreign exchange 1 TRAVELLERS CHEQUE SALES (Buying from Nedbank) Commission 1,85% Minimum charge R70,00 TRAVELLERS CHEQUE PURCHASES (Selling to Nedbank) Travellers cheques repurchased Commission 1,85% Minimum charge R70,00 FOREIGN BANKNOTES (Purchases and sales) Commission 1,85% Minimum charge R60,00 AMEX PREPAID TRAVEL CARD Encashment of unused funds on Card Commission (buying from Nedbank) 1,85% Minimum charge R50,00 Initial Card fee 2 R114,00 FOREIGN DRAFTS Commission 0,80% Communication R100,00 Minimum charge R130,00 Stop-payment/Repurchase instruction R300,00 Maximum charge R700,00 1 Inclusive of VAT. 2 No card fee for the period Sept 2012 to Dec 2013, thereafter the normal card fee of R114,00 will apply. 26

Ask us about a wide range of foreign exchange products. All major currencies are available to suit your travel requirements. Whether it s for business or pleasure, we ll make sure your travel needs are met. INWARD TELEGRAPHIC TRANSFERS Amount over R2 000,00: Commission 0,485% Minimum charge R126,00 Maximum charge R630,00 Amount under R2 000,00: Pension payments 3 R42,00 Commission R79,00 Payment search (minimum) R174,00 OUTWARD TELEGRAPHIC TRANSFERS Commission 0,50% Communication R100,00 Minimum charge R124,50 Incorrect instructions (excluding foreign charges) R200,00 Maximum charge R686,50 PERSONAL FOREIGN CHEQUES Commission 0,65% Minimum charge R122,50 Unpaid advice plus foreign charges (excluding foreign charges) R150,00 Payment search R174,00 Maximum charge R630,00 OTHER CHARGES NEP form R27,00 3 Available on application. 27

Small businesses Small Business Services Current Account ANNUAL FEES Visa Electron/Maestro debit card service fee Cheque card service fee (including lost-card protection) R153,00 Cheque card: Nedbank Greenbacks linkage fee R179,00 Platinum garage card R153,00 MONTHLY FEES Account maintenance fee 1 R51,00 Overdraft facility fee 2 R50,00 for limits from R1,00 to R5 000,00; R55,00 for limits from R5 001,00 to R10 000,00; R57,00 for limits from R10 001,00 or more enote SELF-SERVICE BANKING Subscription fee 3 FEES Standard service fees R4,99 for the first R100,00 or part thereof; R2,40 for each subsequent R100,00 or part thereof; with a maximum of R39,00 per transaction 1 Includes the following free subscriptions: NetBank internet banking, Cellphone Banking WAP, enotes, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 2 Facility fees, while prescribed by the National Credit Act, may differ for internal banking segments. 3 You will not pay a monthly subscription fee, even if you subscribe to more than one of these self-service banking channels. 28

This is a full-featured current account specifically designed for small businesses. Get a skilled relationship banker to assist with your personal and specific business needs. Enjoy customisable internet banking solutions to optimise your business operations. DEPOSITS Electronic deposit Cheque deposit at a Nedbank Branch R8,50 per deposit at a Nedbank ATM R8,50 per deposit Cash deposit at a Nedbank Branch or Nedbank ATM R4,20 plus R1,25 per R100,00 at a Nedbank Intelligent Depositor ATM R2,10 plus R0,63 per R100,00 CASH WITHDRAWALS At a participating retailer s tillpoint 4 R4,00 At a participating retailer s tillpoint, combined with a purchase at the store 4 R6,00 At a Nedbank ATM R3,50 plus R1,25 per At another bank s ATM R100,00 or part thereof R9,50 plus R1,25 per R100,00 or part thereof At a branch Cheque encashment Charged at a rate equal to cash deposit fee, per R100,00 or part thereof, with a minimum of R25,00 and a maximum of R1300,00 in addition to service fees Debit or cheque card withdrawal Charged at a rate equal to cash deposit fee, per R100,00 or part thereof, with a minimum of R25,00 and a maximum of R1300,00 in addition to service fees At another bank s self-service device R8,00 At an international ATM R30,00 plus R1,25 per R100,00 or part thereof 4 These fees apply at all stores where cash at tillpoint is offered, for example the Pick n Pay group, including Score and Boxer. 29

Small businesses Small Business Services Current Account continued PAYMENTS ELECTRONIC SMS Banking Telephone Banking: Self-service Debit order (internal) R6,00 At a self-service terminal 50% of standard service fee On NetBank internet banking and 50% of standard Nedbank App Suite service fee Cellphone Banking WAP 50% of standard service fee Telephone Banking: Agent-assisted 75% of standard service fee Stop order R14,00 Debit order (external) R18,50 Third-party payment notifications on NetBank 5 SMS R0,70 Email R0,55 Fax R3,00 PAYMENTS CHEQUE Cheque service fee Bank-guaranteed cheque Bank s own cheque PAYMENTS AT A BRANCH To a Nedbank account To an account at another bank R4,99 for the first R100,00 or part thereof; R2,40 for each subsequent R100,00 or part thereof; with a maximum of R39,00 per transaction 0.03% of value, R40,00 Minimum 0.03% of value, R45,00 Minimum R56,00 plus service fee R56,00 plus service fee 5 Payment notifications can be sent to third parties. However, a fee will be charged for each notification sent. 30

Small businesses Small Business Services Current Account continued INTERACCOUNT TRANSFERS SMS Banking Telephone Banking: Self-service Cellphone Banking WAP R4,00 Self-service terminal R4,00 NetBank internet banking R4,00 At a Nedbank ATM R4,00 Telephone Banking: Agent-assisted R8,00 Autotransfer processing fee 50% of standard service fees At a branch R56,00 plus service fee CHEQUE AND DEBIT CARD CHARGES Purchase at a tillpoint R4,00 Fuel purchase R4,00 Card replacement fee R50,00 BALANCE ENQUIRIES At a self-service terminal, by SMS, telephone, cellphone or internet banking At a Nedbank ATM At a branch 7 At another bank s ATM R4,00 At a Nedbank self-service device R1,50 At another bank s self-service device R4,00 One free per billing cycle thereafter R4,00 6 This fee is only applicable to MasterCard cards and is calculated at 2% of the transaction value. For example, if you swipe your card overseas for the rand equivalent of R500,00, the fee will be R10,00. 7 A billing cycle runs from the third-last business day of the month to the fourth-last business day of the following month. Your statement will reflect the fees for all transactions that you effected in the previous billing cycle. In other words, you are billed one month in arrears. 31

Small businesses Small Business Services Current Account continued LISTS NetBank internet banking - up to five years At a self-service terminal Transaction list up to five years 7 One free per billing cycle thereafter R5,00 Mini transaction list from a Nedbank ATM 7 One free per billing cycle thereafter R5,00 At a branch R10,00 Faxed transaction list via telephone banking R15,00 STATEMENTS A4 mailed 8 Copy of A4 statement at a branch 8 Electronic 8 One free per month One free per billing cycle thereafter R16,00 CELLPHONE TOPUPS At a Nedbank ATM At another bank s ATM R6,00 Via NetBank internet banking OTHER CHARGES No-funds alert R6,00 per SMS Certificate of balance R346,50 Copy of tax certificate Setup, amendment and cancellation of stop order Archived image of deposit slip/cheque on NetBank internet banking 8 For current account products you will automatically be mailed one (free) statement per month. For savings account products you will need to request a statement to be mailed and a fee will apply. 32

Small businesses Small Business Services Current Account continued OTHER CHARGES Denied transaction at a Nedbank ATM Denied transaction at another bank s ATM R5,00 Denied transaction at a Nedbank self-service device R2,00 Denied transaction at another bank s self-service device R2,50 Archived image of deposit slip/cheque/statement > 90 days obtained from a branch R11,00 Chequebook (40 cheques) R27,00 Stop-payment instruction R40,00 Letter of authority R50,00 Special clearance of a cheque deposited R75,00 plus 0,2% of in a branch the amount Honouring fee R90,00 Preparation of security documentation R160,00 Dishonoured payment due to insufficient funds R90,00, increasing to R120,00 per item for the fourth and subsequent items within 12-months 33

Small businesses Small Business Services Credit Card SERVICE FEES 1 MasterCard and American Express Card R19,25 monthly Nedbank Greenbacks R179,00 Supplementary card Garage card R189,00 Internet banking (monthly user) 2 R16,00 Once-off initiation R112,00 BALANCE ENQUIRIES Over the counter Nedbank ATM and self-service device (SSD) enquiry Saswitch ATM enquiry R4,00 Garage card fuel purchase R4,00 Card replacement R75,00 First free per cycle, thereafter R4,00 CASH WITHDRAWALS Nedbank ATM and SSD Saswitch ATM Over the counter International ATM 3 R3,50 plus R1,25 per R100,00 or part thereof R9,50 plus R1,25 per R100,00 or part thereof R25,00 plus R1,25 per R100,00 or part thereof R30,00 plus R1,25 per R100,00 or part thereof 1 For each card annual service fees are charged in arrear and an initiation fee equal to the card annual service fee will be applied on account opening. 2 The internet banking fee is charged only if this is the only Nedbank account. 34

More flexibility to manage your business expenses. Accepted locally and internationally. Earn rewards on your everyday expenses with the Nedbank Greenbacks Rewards Programme. DEPOSITS Cash (over the counter and Nedbank ATM) R5,00 plus R1,25 per R100,00 or part thereof, with a minimum of R17,00 Cheque (over the counter and Nedbank ATM) R13,50 TRANSFERS AND PAYMENTS Interaccount transfer 4 R4,00 Electronic payment 4 R4,00 Branch interaccount transfer R18,00 OTHER FEES Same-day card replacement service R375,00 Face-to-face delivery R150,00 International currency conversion (MC/Visa) 2% International currency conversion (Amex) 1,70% 3 All foreign exchange transactions attract a currency conversion fee. 4 Includes transfers and payments through SSTs, NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 35

purpleberry 1213/8142 Nedbank 135 Rivonia Campus 135 Rivonia Road Sandown Sandton 2196 PO Box 1144 Johannesburg 2000 South Africa nedbank.co.za Nedbank Limited Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).