There are 3 pricing options available for Prestige Banking to help you choose the best option for you:

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Prestige Banking 2018 PRICING GUIDE BANK BORROW SAVE EARN INSURE OWNING MY WORLD OR SEEING THE WORLD? Why not both? Prestige Banking is a comprehensive offering that accompanies you through every stage of your life, with a dedicated Prestige team available to provide you with personalised service 24/7, to help move you further towards your Next. Prestige Banking allows you greater flexibility to engage with the bank, for your day-to-day banking needs, at any time of the day through a variety of channels: WHAT ARE MY PRICING OPTIONS? There are 3 pricing options available for Prestige Banking to help you choose the best option for you: 1 2 Fixed monthly service (Bundle option) Pay a fixed monthly service for a bundle of transactions and services Should the number of transactions included in the bundle per month be exceeded, the additional transactions will be priced according to the Pay As You Transact (PAYT) option PAYT Pay for each transaction 3 Rebate Keep a specified minimum daily balance in your account for a full calendar month, and we will refund you a portion of the service s incurred UNLIMITED MONTHLY FEE: R196,71 FREE Electronic transactions, including purchases, debit orders, electronic account payments and electronic inter-account transfers. SMS notifications with the MyUpdates service to keep track of transactions on your account. *# 8 3 Standard Bank ATM cash a month. Standard Bank ATM cash deposits. Emailed monthly statements. Cash at participating retailers. Access to Internet, Telephone, Cellphone Banking and our Mobile Banking App for tablets and smartphones. * for 1 cellphone number or email address. R10,09 for additional cellphone numbers/email addresses. #SMS Notification for transaction below R100,00 will be charged R2,52. Secondary account As a Prestige banking customer, you are entitled to a secondary account for your spouse/life partner at a discounted monthly service of R161,40.

ADDITIONAL BENEFITS OF A PRESTIGE BANKING ACCOUNT Email unit, which is available to you 24/7. The ability to communicate with your banker via Instant Messaging. A secondary credit and debit card (sharing the first card s limit) can be requested at no extra cost. CaféBlue and Connection Hub at OR Tambo International Airport. travel wallet. Prestige Line, which is available to you 24/7. An in-branch Prestige Banker, with whom you can make an appointment. Annual credit card is included in the monthly bundle. travel insurance. Safe custody of your Will forex delivery is only available in Gauteng, Western Cape and KZN. PAY AS YOU TRANSACT PRICING These s are charged for transactions that are not included and covered by the bundle or when the maximum number of transactions included in the bundle has been exceeded. Pay as you transact Monthly s ATM Online Branch Minimum monthly service R104,91 Monthly cheque card R13,37 Internet, Cellphone, Mobile app subscription Deposits (Cash-out) ATM Online Branch Cheque Deposits R42,37 R42,37 Cash Deposit R8,07 + R1,82 per (min. R40,35) Cash ATM Online Branch Cash Cheque encashment Other banks ATM Cash International Cash R8.07 + R40,35 + + International transaction R40.35+ R141.23 + R 1.82 per Payments ATM Online Branch Stop order establish, amend, cancel Instant Money Below R1 000 Instant Money Above R1 000 R17,15 R10,04 R10,04 R12,05 R12,05 Immediate payment R50,00 R50,00 Bank cheque R116,01 Automatic cheque clearance Electronic interbank transfers through ACB Electronic interbank transfers through SWIFT R116,01 R191,67; 0.20%; R907,89 R272,37; 0.28%; R1412,28 *Alternative to Stop orders Set up daily, weekly or monthly scheduled payments on Internet banking or the App for. Point of sale(pos) s ATM Online Branch Garage Card purchases R5,55 International purchases International transaction of 2.75% applies

PAY AS YOU TRANSACT PRICING Prepaid Purchase ATM Online Branch Prepaid airtime top-up R1,11 R1,11 Prepaid airtime top-up at Other bank's ATM R8,07+ R1,11 Prepaid electricity R1,31 R1,31 Prepaid electricity top-up at Other bank's ATM R8,07+ R1,31 Lotto R2,02 R2,02 Overdraft s ATM Online Branch Penalty s ATM Online Branch POS decline R8,47 ATM cash decline R2,62 ATM cash decline at other bank's ATM Internet future dated payments Unpaid Fee Dishonour (unpaid) * R8,07 R131,14 R60,53 R60,53 for the first 3 therafter R146,27 Monthly service -limits over R500 Monthly service -no limit* R69,00 R69,00 Stop payments R55,48 *Unpaid cheques and stop orders will be charged R116,01. Initiation R74,75 + 11.5% of limit, max R1207,50 *Charged when a customer has no overdraft limit on file but account goes into a debit balance position. Payment confirmation ATM Online Branch SMS R1,11 R1,11 Email R1,11 R1,11 R6,56 Fax R6,56 R6,56 My Updates (Email notifications)*# * for 1 cellphone number or email address. R10,09 for additional cellphone numbers/email addresses. #SMS Notification for transaction below R100,00 will be charged R2,52. Information s ATM Online Branch Balance enquiry No slip Balance enquiry With slip R1,51 R7,31 Balance enquiry Other bank's ATM R8,07 Provisional statements R5,04 R25,22 Posted statements R20,18 Internet statements (view/download) Emailed formal statement Transaction history ATM Online Branch 60 days R10,09 R50,44 90 days R15,13 R75,66 120 days R100,88 150 days R126,10 REBATE PRICING OPTION The rebate is applicable to s incurred on Standard Bank ATM cash, electronic inter-account transfers, electronic account payments, debit orders, cheques and cheque card purchases. It also applies to the minimum monthly service. Minimum daily positive balance for the full calendar month R10 000 R19 999 R85,75 R20 000 R29 999 R126,10 R30 000 R49 999 R226,97 R50 000 R99 999 R282,46 R100 000+ R423,68 Standard Trust Limited Will drafting (Standard Trust nominated executor) Pre-printed Will Maximum monthly rebate R504,39 Will drafting (Standard Trust not nominated R2 017,54 Will review (Standard Trust nominated executor) R252,19 Will drafting for over 55 years old, provided that asset values exceeds R2 million (Standard Trust nominated executor) Estate Planning consultation where there is no preparation for a Will Will safe custody annual (Safe Custody for Staff, Wealth and Investment, Private Bank, Consolidator and Prestige Bundled is free) R1 513,16 R161,40 180 days R30,26 R151,32 210 days R181,58 240 days R211,84 360 days R332,89 Other s ATM Online Branch Pin reset R4,54 Card Replacement Debit Magstripe Card Replacement Debit EMV/cheque card R52,96 R131,14 Subsidy letter R10,09 Proof of banking details R10,09 Special clearance R116,01

PRESTIGE BANKING CREDIT CARD BENEFITS Get up to 55 days interest-free* credit. No transactional s on swipes on POS machines and online purchases. 1GB AlwaysOn Wi-Fi per month for only R19,00 once-off, valid for 12 months. When paying at POS machines, you can choose a straight purchase to pay for the full amount, or you can choose a budget option, where you can pay for the purchase in monthly repayments from 6 months up to 60 months. Ster-Kinekor benefits when buying movie tickets using your credit card. Up to 30%* off Emirates flights booked through Leisure Desk on www.leisuredesk.co.za or 087 236 6557. Bank on your phone easily activate or disable POS, ATM or online card functionality. Stop and re-order lost or stolen cards. * Customers with a Prestige Pay as you transact cheque account will pay a monthly service of R40,35 and a monthly card of R25,22. CREDIT CARD PRICING Credit Card Deposits (Cash-out) ATM Branch Cash deposit 1 free per statement cycle thereafter R2,02 per part thereof Cheque deposits R30,26 R50,44 Cash ATM Branch Cash R2,02 per R100,00 or Cash advance on casino chip purchases Cheque encashment Other banks ATM cash International cash R8,07 + R2,02 per R8,07 + R2,02 per part thereof R40,35; R2,02 per R141,23 + R1,82per R8,07 + R2,02 per R40,35 + R2,02 per part thereof + international transaction Payments ATM Branch Account payment R4,04 R55,48 Inter-account transfer R4,04 + 1.36% R55,48 Penalty Fees Honouring R131,14 Default Administration after 60 days of delinquency (Applicable to accounts opened after 1 June 2007) Late payment (Only applicable to opened before 1 June 2007) R55,48 R146,27 Other s PIN reset at branch R5,04 Card replacement R131,14 Special clearance R116,01 Bank cheque R116,01 POS decline R8,47 ATM cash decline R2,82 ATM cash decline at other bank's ATM R5,04 E-commerce decline R5,04 International transaction Garage Card fuel transaction R5,55 2.75% of rand value Garage card monthly Standalone R35,31 Initiation All Credit cards R166,45 Card Replacement Local R131,14 Courier delivery Same day replacement (Express) R403,51 Face to Face R151,32 FINANCIAL PLANNING Our group of Standard Bank companies have a host of wealth management products and services through which you can manage and grow your wealth. Our financial planners will take the time to get to know you, your family and your business requirements and create a financial plan unique to your needs. Call us on 0860 034 778.

INSURE THINGS THAT MATTER For car, home and contents insurance, contact Standard Bank Insurance Brokers on 0860 123 999 Standard Bank direct life offers you the ability to protect you and your family against death, disability, severe illness and the inability to work. Contact us on 0860 225 533 Protect your debt with Credit Life, a protection plan that covers vehicles, credit cards and personal loans. Contact Standard Bank Insurance Brokers on 0860 123 999 Get access to FuneralPlan and Accident and Health policies. Contact Standard Bank Insurance Brokers on 0860 123 999 VALUE-ADDED SERVICES SnapScan SnapScan is an innovative app that lets you pay for goods with your smartphone. Tap to Pay TM Buying small items on the run has just become faster with your MasterCard contactless card from Standard Bank, waste no time when you pay for purchases up to R500,00. MasterPass Shopping online on your computer, tablet or smartphone is easier and more secure with MasterPass. InstantMoney TM Send money via your cellphone to anyone in South Africa quickly and safely! Creating an Instant Money voucher is as easy as buying airtime even if they don t have a bank account. App for Smartphones or Tablets You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet. Shyft Make the most of Shyft our award winning forex app, exclusive to Standard Bank clients. Buy, store, send, spend and exchange your forex at the touch of a button on your mobile phone or tablet. UCount Rewards Join our rewards programme for just R22,19 a month and collect rewards points* every time you shop with your Standard Bank Cheque, Debit or Credit Card. CONTACT US General customer enquiries South Africa: 0860 001 321* International: 011 299 4701 *Standard call rates apply. Email: Prestige@standardbank.co.za Lost or stolen cards: 0800 020 600/011 299 4114 Internet: www.standardbank.co.za Cellphone Banking: *120*2345# Fraud: 0800 222 050/011 641 6114 *Fees effective from 1 April 2018 (Including VAT). 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 0860 800 900 *Terms and conditions apply. standardbank.co.za/whatsyournext Authorised financial services and registered credit provider (NCRCP15). The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA GMS-1648. Moving Forward is a trademark of The Standard Bank of South Africa Limited. Standard Bank Insurance Brokers is an authorised financial services provider (FSP 224). Standard Bank Financial Consultancy is an authorised financial services provider (FPS 3825) a business unit of The Standard Bank of South Africa. Frank Financial Services is a juristic representative of The Standard Bank of South Africa. The Standard Bank of South Africa is an authorised Financial Services provider (FSP 11287).