Private Banking Fees 2014 PB 1

Individual cheque accounts

Contents

Your dedicated Private Banker works closely with a host of specialists (financial advisers, fiduciary specialists and offshore banking specialists) to provide you with a single point of entry to cater for all your financial and wealth creation needs. This brochure sets out the most important fees that will come into effect on 1 January 2014.

If you require additional information about these fees or would like to find out how our range of specialist products and services can work for you, please speak to your Private Banker.

Private Banking’s market-leading, easy-to-use

transactional, lending and investment solutions

offer you comprehensive and flexible options with

exceptional value-adds.

Individual credit cards

Non-individual cheque accounts

Individual & non-individual lending accounts

Private Assist

Other Absa products

Take-me-Home Service

7 Call your Private Banker or Private Assist on 0860 553 553 or

Management Fee R345,00 R285,00 R180,00: <30 transactions R235,00 R270,00: 31+ transactions

Service Fee R70,00 + fee per transaction R70,00 + fee per transaction

Fee concession fee concession to value

of R500 per month ¹ Number of electronic

transactions included unlimited unlimited unlimited levied unlimited unlimited

Branch transactions levied levied levied levied levied levied

Credit interest paid Internet, cellphone & telephone banking monthly fee Internet, cellphone & telephone banking transactions

levied levied

Credit card

monthly fee R57,00 R57,00 R57,00 R57,00

Credit card

transactions levied levied levied levied

Absa Rewards R21,00 R21,00 R21,00 R21,00

This product is for you if you are an...

individual individual requiring a Shari’ah compliant offer

individual individual individual aged 55 plus with

R100k on-balance sheet investment with Absa

discontinued - not on sale

¹ Fee concession on selected transactions will be available if a minimum monthly investment amount is maintained throughout the month. If this minimum investment amount is not maintained, standard fees as depicted, will be levied. The investments must be maintained in Absa to obtain concessions, for example:

• Private Banking Money Market Account • Notice Select

Individual Cheque Accounts

Transaction Fee per

transaction Exceller & MarhabaPackages Private Bank Cheque Account Private Bank Seniors Cheque Account

Private Bank Electronic Account Management Fee option Service Fee option

Absa Rewards

Monthly subscription fee R21,00 levied levied levied levied

Cash back earn rate tiered 1,00% tiered tiered tiered tiered

Deposits Cheque deposit: Absa ATM

Branch counter R14,00 levied levied

Cash deposit:

Absa ATM R3,00 + R1,25/R100 levied

Branch counter R6,20 + R1,35/R100 levied levied levied levied levied

Cardless deposits at Absa ATM R5,25 + R1,25/R100 levied levied levied levied levied

Cash Withdrawals

Branch counter R33,00 + R1,40/R100

(max R500) levied levied

Local Point of sale R3,95 levied levied

Absa ATM R3,95 + R1,25/R100 levied

Absa-supported ATM

(Triton device) R6,95 + R1,25/R100 levied levied levied levied

Saswitch ATM R9,95 + R1,25/R100 levied levied levied levied

International ATM/ Point of sale R50,00 levied levied

Exempt

Purchases Prepaid Top-up:

Absa ATM/Point of sale R1,00 levied levied

Point of Sale:

Local R3,85 levied

International R9,75 + R0,75/R100

(max R45) levied levied

Account Payments & Funds Transfers Account Payments:

Absa ATM R7,50 levied

Branch counter R33,00 levied levied

Funds Transfers: Absa ATM

Branch counter R33,00 levied levied

Debit & Stop orders: Internal stop order External stop order Internal debit order

External debit order R15,00 levied

Individual Cheque Accounts (cont.)

Transaction Fee per

transaction Exceller & MarhabaPackages Private Bank Cheque Account Private Bank Seniors Cheque Account

Private Bank Electronic Account Management Fee option Service Fee option

Cheques

Cheques issued R33,00 levied levied levied levied levied

Bank cheque @ branch counter R75,00 levied levied levied levied levied

Cheque encashment R33,00 + R1,40/ R100 (max R500) plus R33,00 per cheque

levied levied levied levied levied

Balance Enquiries

Branch counter R2,45 levied levied levied levied levied

Absa ATM R1,00 levied

Absa-supported ATM (Triton device) R2,95 levied levied levied levied

Saswitch ATM R3,35 levied levied levied levied

Local Point of Sale R1,00 levied levied levied levied

International ATM/Point of Sale R4,00 levied levied levied levied levied

Statement Fees eStatement

Posted Statement R14,00 levied levied levied levied levied

Absa ATM:

Ministatement R2,50 levied

Full statement R5,00 levied levied

Branch Counter:

Ministatement R7,00 levied levied levied levied levied

Full statement R14,00 levied levied levied levied levied

Exempt

Copies of Statements:

1 – 4 months R14,00 levied levied levied levied levied

4 + months R34,00 levied levied levied levied levied

Administration Fees

Stop payment instruction R30,00 levied levied levied levied levied

Stop order establishment/ amendment

Cheque special clearance R75,00 levied levied levied levied levied

Debit card replacement R60,00 levied levied levied levied

Priority Pass card replacement R60,00 levied Other Fees

Airport Lounge Access: Private Bank Credit Card

To Bidvest Premier

lounges (n/a to Marhaba Package) Priority Pass card 1st six visits no charge

then $33 per visit to Priority Pass affiliated lounges

1st six visits no charge then $33 per visit to Priority Pass affiliated lounges

NotifyMe (sms or email):

Transactional account R0,50 levied

Credit card account R0,50

(n/a to Marhaba Package) levied levied levied levied

Overdraft Ledger Fee (pm):

If overdraft provided R18,00

(n/a to Marhaba Package) levied levied levied levied

Individual Cheque Accounts (cont.)

Transaction Fee per

transaction Exceller & Marhaba Packages Private Bank Cheque Account Private Bank Seniors Cheque Account

Private Bank Electronic Account Management Fee option Service Fee option

Dishonoured / Returned Payment / RD Cheque

R60,00 increasing to R138 per transaction from the 4th occurrence within 12 months

levied levied levied levied levied

Declined Fee:

Absa ATM R2,50 levied levied levied levied levied

Absa-supported ATM (Triton device)

R3,00 levied levied levied levied levied

Saswitch ATM R4,00 levied levied levied levied levied

Local Point of sale R2,00 levied levied levied levied levied

International ATM/

Point of sale R4,00 levied levied levied levied levied

Returned Cheque Deposit /

Cheque Deposit Unpaid R75,00 levied levied levied levied levied

Chequebook varies levied levied levied levied levied

Internet, Telephone & Cellphone Banking Monthly Subscription Fee

Prepaid Top-up Purchases R1,00 levied levied levied levied levied

Account & Beneficiary Payments R7,50 or R14,50 if Adviser-assisted on telephone

levied levied levied levied

Immediate Interbank Payments R11,00 + R1,05/R100 (max R65) or R18,00 + R1,05/R100 (max R65) if Adviser-assisted on telephone

levied levied levied levied levied

Exempt

CashSend™ R7,90 + R1,25/R100 levied levied levied levied levied Funds Transfers

Balance Enquiries or

R2,45 if Adviser- assisted on telephone Transaction History internet -

telephone: advisor-assisted - R14,00 IVR - email - R2,00 fax - R6.50

levied levied levied levied

cellphone: sms - R0,75 email - R0,75 fax - R3,00

levied levied levied levied

Internet Banking Notifications

(Incl. RVN, TVN and Logon Alert) sms -email - Notice of Payments

or Reminders sms - R0,75 levied levied levied levied levied

email - R0,75 fax - R3,00

Archived Statements R5,50 per statement levied levied levied levied levied

Stop Payments R30,00 levied levied levied levied

Exempt - A fee for this transaction will not be levied if the prescribed minimum balance is maintained in an Absa Investment throughout the month. If the prescribed minimum balance is not maintained, standard fees as well as the monthly account fee will be levied

Individual Credit Cards

Transaction Fee per

transaction World MasterCardCredit Card Private Bank VisaCredit Card Private Bank MasterCard Credit Card

Monthly Fee

Credit card R57,00 levied levied

Secondary credit card Garage card

Deposits Cheque Deposit: Absa ATM

Branch counter R14,00 levied levied levied

Cash Deposit:

Absa ATM R3,00 + R1,25/R100 levied levied levied

Branch counter R6,20 + R1,35/R100 levied levied levied

Cash Withdrawals Branch counter

Point of Sale R3,95 levied levied levied

Absa ATM

Absa-supported ATM (Triton Device) R6,95 + R1,25/R100 levied levied levied

Saswitch ATM R9,95 + R1,25/R100 levied levied levied

International ATM R50,00 levied levied levied

Exempt

Account Payments: Absa ATM

Branch counter R33,00 levied levied levied

Funds Transfers: Absa ATM

Branch counter R33,00 levied levied levied

Balance Enquiries

Branch counter R2,45 levied levied levied

Absa ATM

Absa-supported ATM (Triton Device) R2,95 levied levied levied

Saswitch ATM R3,35 levied levied levied

Point of Sale R1,00 levied levied levied

International ATM R4,00 levied levied levied

Statement Fees eStatement

Posted Statement R14,00 levied levied levied

Absa ATM: Ministatement

Individual Credit Cards (cont.)

Transaction Fee per

transaction World MasterCardCredit Card Private Bank Visa Credit Card Private Bank MasterCard Credit Card

Branch Counter:

Ministatement R7,00 levied levied levied

Full statement R14,00 levied levied levied

Duplicate Statements:

Per request plus R5,00 levied levied levied

Per page R1,00 max R50,00 levied levied levied

Administration Fees

Initiation fee R135,00 levied levied

Face-to-face card delivery

Special request - Same-day card delivery R314,00 levied levied levied

Lost card administration R110,00 levied levied levied

Lost card replacement R110,00 levied levied levied

NotifyMe (sms or email) R0,50 levied levied

Unpaid debit order / cheque R95,00 levied levied levied

Invalid Dispute:

Domestic transactions R42,00 levied levied levied

International transactions R113,00 levied levied levied

Currency conversion fee % of rand value of transaction 2,25% 2,75% 2,75%

Exempt

Management Fee R500,00

Service Fee R70,00 + fee per _transaction R85,00 + fee per_transaction

Number of electronic transactions included unlimited levied levied

Credit interest tiered

Internet, cellphone & telephone banking monthly fee levied levied levied

Internet, cellphone & telephone banking transactions levied levied levied

Credit card monthly fee levied levied

Credit card transactions levied levied

This product is

Non-Individual Cheque Accounts

Transaction Fee per

transaction Practice Management Cheque Account TrustCheque Account Management Fee option Service Fee option

Deposits Cheque Deposit: Absa ATM

Branch counter R14,00 levied

Cash Deposit:

Absa ATM R3,00 + R1,25/R100 levied

Branch counter R6,20 + R1,35/R100 levied levied levied

Cardless deposits at Absa ATM R5,25 + R1,25/R100 levied levied levied

Cash Withdrawals

Branch counter R33,00 + R1,40/R100(max R500) levied

Local Point of sale R3,95 levied

Absa ATM R3,95 + R1,25/R100 levied

Absa-supported ATM (Triton device) R6,95 + R1,25/R100 levied levied levied

Saswitch ATM R9,95 + R1,25/R100 levied levied levied

International ATM/Point of sale R50,00 levied

Purchases Prepaid Top-up:

Absa ATM/Point of sale R1,00 levied levied levied

Point of sale:

Local R3,85 levied

International R9,75 + R0,75/R100 (max R45) levied

Exempt

Account Payments & Funds Transfers Account Payments:

Absa ATM R7,50 levied

Branch counter R33,00 levied

Funds Transfers: Absa ATM

Branch counter R33,00 levied

Debit & Stop orders: Internal stop order External stop order Internal debit order

External debit order R15,00 levied

CashSend™ at Absa ATM R7,90 + R1,25/R100 levied

Cheques

Cheques issued R33,00 levied levied levied

Bank cheque @ branch counter R75,00 levied levied levied

3

Non-Individual Cheque Accounts (cont.)

Transaction Fee per

transaction Practice Management Cheque Account TrustCheque Account

Management Fee option Service Fee option

Balance Enquiries

Branch counter R2,45 levied levied levied

Absa ATM R1,00 levied

Absa-supported ATM (Triton device) R2,95 levied levied levied

Saswitch ATM R3,35 levied levied levied

Local Point of Sale R1,00 levied levied levied

International ATM/Point of Sale R4,00 levied levied levied

Statement Fees eStatement

Posted statement R14,00 levied levied levied

Absa ATM:

Ministatement R2,50

Full statement R5,00 levied

Branch Counter:

Ministatement R7,00 levied levied levied

Full statement R14,00 levied levied levied

Copies of Statements:

1– 4 months R14,00 levied levied levied

4 + months R34,00 levied levied levied

Exempt

Administration Fees

Stop payment instruction R70,00 levied levied levied

Stop order establishment / amendment

Cheque special clearance R75,00 levied levied levied

Debit card replacement R60,00 levied levied levied

Other Fees

NotifyMe (sms or email):

Transactional account R0,50 levied levied levied

Credit card account R0,50 levied levied levied

Overdraft Ledger Fee (pm):

If overdraft provided R18,00 levied levied levied

If unauthorised overdraft R57,00 levied levied levied

Declined Fee:

Absa ATM R2,50 levied levied levied

Absa-supported ATM

(Triton device) R3,00 levied levied levied

Saswitch ATM R4,00 levied levied levied

Local Point of sale R2,00 levied levied levied

International ATM/Point of sale R4,00 levied levied levied

Returned Cheque Deposit /

Cheque Deposit Unpaid R75,00 levied levied levied

Chequebook varies levied levied levied

Dishonoured / returned payment /

3

Non-Individual Cheque Accounts (cont.)

Transaction Fee per

transaction Practice Management Cheque Account Trust Cheque Account Management Fee option Service Fee option

Internet, Telephone & Cellphone Banking

Monthly Subscription Fee R110,00 levied levied levied

Prepaid Top-up purchases R1,00 levied levied levied

Account & Beneficiary Payments R6,90 or

R14,50 if Adviser-assisted on telephone levied levied levied

Immediate Interbank Payments R13,50 + R1,00/R100 (max. R70) or R18,00 + R1,05/R100 (max R70) if Adviser-assisted on telephone

levied levied levied

CashSend™ R7,90 + R1,25/R100 levied levied levied

Funds Transfers R5,50 levied levied levied

Balance Enquiries or

R2,45 if Adviser-assisted on telephone

Transaction History internet

-telephone:

advisor-assisted R14,00;

IVR - ; email - R2,00; fax - R6.50

levied levied levied

cellphone:

sms - R0,75; email - R0,75; fax - R3,00

levied levied levied

Internet Banking Notifications

(incl. RVN, TVN and logon alert) sms email

-Notice of Payments or Reminders sms - R0,75 levied levied levied

email - R0,75 fax - R3,60

Archived Statements R6,30 per statement levied levied levied

Stop Payments R70,00 levied levied levied

Exempt

Exceller Package linked R415,00 R415,00

Private Bank Cheque linked R410,00 R410,00

Private Bank Electronic linked R485,00

Practice Management Account linked R550,00 R550,00

Basic Monthly Fee per Loan Account R57,00 R57,00 R57,00

This product is for you if you are an... individual + sole proprietor +

Private Assist

Pricing

Pricing on other Absa products and services is published on absa.co.za. This includes pricing for the following products:

Take-me-Home Service is a designated driver service that makes sure you and your car get home safely when you are not able to drive.

Call 086 113 1007 to book or enquire about this service. Terms and conditions apply.

Other Absa Products

Take-me-Home Service

7

Savings and Investment Accounts Home Loans

Vehicle and Asset Finance

Other Absa Transactional and Current Accounts International Banking and non-resident fees

Private Assist is your dedicated point of contact for all your day-to-day banking and service-related requirements and for your convenience, you can contact them 24/7.

No-charge services include:

Transactional queries via telephone Answers to general banking questions Provision of statements and tax certificates Assistance with visa letters

Amendments to variable payment requests Reversal of debit orders and stop payment requests

Settlement amounts for vehicle and asset finance agreements Copies of NaTIS documents

or statement messages.

Absa is entitled to, immediately and without notice, for each product or service offered to individual clients, change the fees to such fees as are applicable to the same or similar business products and services offered to business clients, if there is proof that an individual product is used for business purposes, or used in any way that is not allowed by the product terms or rules. This may also result in clients having to pay additional fees or the product or service could even be terminated.

From 1 November 2011, the Standard Rebate option for clients on Private Bank Cheque Accounts was discontinued. If an alternative fee structure is not agreed upon and becomes effective from 1 February 2014, Absa will, immediately and without further notice, change the fees to Private Banking Cheque Account Service Fee option, effective 1 February 2014.