2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

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How transaction fees work

In short, you pay either a fixed fee or a sliding scale fee, sometimes called ‘ad valorem’.

An example of how a fixed fee works is that when you perform account payments at an Absa ATM, you’ll pay a fixed fee per transaction, whether you pay R100,00 or R1 000,00.

With a sliding scale fee, you pay a base fee for the transaction itself plus a fee based on the value of the transaction.

An example is the Absa ATM cash withdrawal on a current account. There is a R3,95 base fee for the transaction plus a R1,30 fee per R100,00 withdrawn, which means a R500,00 cash withdrawal will cost you R10,45 (R3,95 + 5 x R1,30).

Pricing options – at a glance

To get the most out of your banking, choose the product and pricing option that best suits your needs and your pocket. As your needs change, relook your options. When choosing a transactional account, you can choose between various pricing options.

1. Pay-as-you-transact

This is the standard fee pricing option, where you are charged a standard fee for every transaction you make. 2. Value Bundle

You pay an affordable, fixed monthly fee from as little as R55,00 a month for a set number of transactions as part of your Value Bundle. On the Gold and Platinum Value Bundle, unused transactions roll over to the next month. Various value-added services are included. 3. Prepaid

With this pricing option, an upfront fee is charged for all credits to the account. No fees are charged for transactions performed on Absa’s infrastructure.

Disclaimer:

Fees quoted in this brochure are valid from 1 June 2016. Unless otherwise stated, fees include 14% VAT and are subject to change.

Absa Bank is entitled, immediately and without notice, for each product or service offered to individual customers, to change the pricing option that apply

4. Rebate Banking

You will not pay banking fees on certain transactions if you keep a set minimum balance in your account throughout the month.

5. EasyFee

EasyFee is a Management Fee option where you pay a monthly fee based on the number of selected transactions you do each month. It offers you different pricing options to choose from, each with a set number of selected transactions. Once you have used all your set transactions you are charged a single fee per selected transaction and no out-of-bundle penalty fees.

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Transactional offerings

Product offerings

Pricing plans

Basic Banking Transact Pay-as-you-transact

Daily Banking Flexi Account Pay-as-you-transact Value Bundle

Full-value Banking Gold Account Pay-as-you-transact Value Bundle

Platinum Account Pay-as-you-transact Value Bundle

Youth Banking Mega U Pay-as-you-transact

Student Banking Student Silver EasyFee

Seniors Banking Flexi Account Rebate Banking

Prosperity Rebate Banking

Islamic Banking

Islamic Youth Pay-as-you-transact Islamic Savings Pay-as-you-transact

Islamic Current Account Pay-as-you-transact Value Bundle

Savings and Investments

TruSave Pay-as-you-transact

Depositor Plus Pay-as-you-transact Club Account Pay-as-you-transact Tax-free Savings Pay-as-you-transact Money Market Fund Pay-as-you-transact

Credit Cards Standard fee

Home Loans Standard fee

International Banking Standard fee

Other offerings

Prepaid Debit Card Prepaid Current Accounts:

• Absa Current Account • Student Silver

• Prosperity

Pay-as-you-transact

OneTouch Standard fee

Safe custody Standard fee

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Basic Banking

Transact

A card-based account that gives you access to the largest ATM network in the country and the convenience of 24/7 access to your money. No opening balance or minimum balance is required. This product allows for full electronic banking functionality including Internet Banking, Cellphone Banking, Telephone Banking and Absa ATMs.

Qualifying customers can apply for a loan via an Absa ATM. Tip: Choose the right product that gives you what you need and suits your budget, so you don’t pay for benefits you never use or need.

Transact

Monthly fees

Monthly administration fee R4,95

Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge

Deposits

Cheque deposit: Branch counter R25,00

Cheque deposit: Absa ATM No charge

Cash deposit: Branch counter R8,00 + R1,50/R100

Cash deposit: Absa ATM R3,00 + R1,30/R100

Cardless cash deposit: Cash acceptor R6,00 + R1,50/R100

Cash withdrawals

Branch counter R50,00 + R1,55/R100

Absa ATM/Barclays ATM R4,55

Point of sale (POS) R1,15

Absa-supported ATM R4,55

Saswitch ATM/Post Office terminal R8,00

Overseas ATM/POS(1) (5) _R50,00

Purchases

Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) R1,15

POS – local No charge

POS – overseas(5) _{R9,75 + R0,75/R100 (max. R50)}

Account payments and funds transfers

Account payments • Branch counter • Absa ATM • Internet • Cellphone • Telephone (IVR) • Telephone Adviser-assisted R50,00 R3,00 R1,50 R1,50 R7,50 R14,50

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Transact

Immediate interbank payment • Internet, Cellphone, Telephone (IVR)

• Telephone Adviser-assisted R12,50 + R1,30/R100 (max. R65)R19,50 + R1,30/R100 (max. R65) Debit and stop orders

• Internal debit orders • External debit orders • Stop orders

No charge R3,00 No charge Funds transfers

• Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge R50,00 R7,00 CashSend

• Absa ATM, Cellphone, Internet R7,99

Balance enquiries

Branch counter R5,00

Absa ATM/Barclays ATM No charge

POS No charge

Absa-supported ATM No charge

Internet, Cellphone, Telephone (IVR) No charge

Telephone Adviser-assisted R5,00

Statement fees

Absa ATM ministatement R5,00

Absa CAT terminal full statement R10,00

Branch counter full statement R20,00

Mailed statement R20,00

eStatement(2) _{No charge}

Transaction history

• Enquiry – Internet, Cellphone, Telephone (IVR)(3)

• Enquiry – Telephone Adviser-assisted(3)

No charge R20,00

Archived statements/Tax certificate – Internet R5,50 per statement Copies of statements (per statement)

• Less than 4 months old

• 4 months or older R20,00R50,00

Administration fees

Bank cheque R90,00

Stop payments

• Branch, Telephone Adviser-assisted

• Internet R50,00R30,00

Stop order establishment/amendment fee

• Branch, Internet, Telephone Adviser-assisted No charge

Special clearance R90,00

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Transact

Other fees

Notification fee (SMS or email) R0,55

Dishonoured/Returned payment No charge

Notice of payment (Internet, Cellphone, Telephone)

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Internet Banking notifications (includes RVN, TVN, logon alert)

• SMS | Email No charge

Declined fee (insufficient funds)(4) _{No charge}

Returned cheque deposit No charge

Notes:

1. Cash withdrawals performed at Global Alliance partners: R35,00.

2. Customers can register for eStatements by logging onto Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to [email protected]

3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.

4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

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Daily Banking

Flexi Account

The Flexi Account is a full-service transactional account. This account gives you full access to all our channels, such as Internet and Cellphone Banking, and is ideally suited to customers who earn a regular monthly income.

Key benefits associated with this account include free funeral cover for customers aged between 18 and 65 years, Personal Health Adviser, Legal Assist, Discounted Doctor’s Network and Missing Assist. Please note that terms and conditions apply.

Flexi Account

Monthly fees

Deposits

Cash withdrawals

Absa ATM/Barclays ATM R3,95 + R1,30/R100

Absa-supported ATM R6,95 + R1,30/R100

Saswitch ATM/Post Office terminal R9,95 + R1,30/R100

Purchases

POS – local R2,65

Account payments

• Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter

• Telephone Adviser-assisted

R7,50 R50,00 R14,50 Immediate interbank payment

• Internet, Cellphone, Telephone (IVR)

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Flexi Account

Balance enquiries

POS R1,00

Overseas ATM/POS R5,00

Statement fees

Full statement: Branch counter R20,00

Transaction history

No charge R20,00

Administration fees

Bank cheque R90,00

Stop payments

Debit card replacement fee R100,00

Other fees

Dishonoured/Returned payment R6,00

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Declined fee (insufficient funds)(4) _R5,00

Returned cheque deposit R90,00

Notes:

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All other transactions not included in the above list or where transactions are on specific limits, will be charged at Pay-as-you-transact fees as applied on the Gold Current Account as per the pricing table on page 11.

Flexi Value Bundle

Monthly fees

Monthly service fees R55,00

Transactions included

Cash withdrawals Absa ATM, Barclays ATM 3

Debit card purchases and withdrawals • Debit and cheque card purchases • Point-of-sale (POS) cash withdrawals

Unlimited Electronic account and beneficiary payments

• Account payments via Absa ATM, Internet, Cellphone, Telephone (IVR) • External debit orders

11 Funds transfers and internal payments

• Funds transfers via Absa ATM, Internet, Cellphone, Telephone (IVR) • Internal debit orders

• Stop orders

Unlimited

Electronic information enquiries

• Statement – Absa ATM (mini), Internet and Telephone (IVR)

• Balance enquiries – Absa ATM, Barclays ATM, POS, Internet, Cellphone and Telephone (IVR)

Unlimited

Notification (SMS or email) No charge

Additional features

Funeral cover R5 000

Notes:

1. Customers can register for eStatements by logging onto Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request

to [email protected]

Notes:

The following Internet, Cellphone and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles:

• Archived statements

• Immediate interbank payments • Notice of payments (fax, email and SMS) • CashSend

• Tax certificates

• Stop payments of cheques and debit orders.

Flexi Value Bundle

With the Flexi Value Bundle, we offer you a selection of transactions free of charge for a low monthly fee of R55,00.

Key benefits associated with this account include free funeral cover for customers aged between 18 and 65 years, Personal Health Adviser, Legal Assist, Discounted Doctor’s Network and Missing Assist. Please note that terms and conditions apply.

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Full-value Banking

Gold/Platinum Current Account

Pay-as-you-transact

With the Pay-as-you-transact (or standard fee) pricing option, you only pay for those transactions you use.

Gold/Platinum Current Account

Monthly fees

Monthly account fee R40,00

Deposits

Cash deposit: Branch counter R8,00 + 1,50% of deposit value

Cardless cash deposit: Cash acceptor R6,00 + 1,50% of deposit value

Cash withdrawals

Saswitch ATM R9,95 + R1,30/R100

Cheque encashment R50,00 + R1,55/R100

Plus cheque issued fee

Purchases

POS – local R3,85

Account payments

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Gold/Platinum Current Account

Balance enquiries

POS R1,00

Saswitch ATM R5,00

Statement fees

Transaction history

No charge R20,00

Administration fees

Bank cheque/marked cheque R90,00

Stop payments

Cheque card replacement fee/new card fee R100,00

Other fees

Overdraft ledger fee (pm)

• For the overdraft provision on your account: - Overdraft up to R250

- Overdraft over R250

• If your account goes into unauthorised overdraft/excess

No charge R25,00 R57,00

Dishonoured/Returned payment(5) _R50,00

• SMS | Email | Fax R0,80 | R0,80 | R6,50

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Gold/Platinum Current Account

Other fees

Notes:

1. Cash withdrawals performed at Global Alliance partners: R35,00. 2. Only applicable to accounts that allow cheques to be issued.

5. Increasing to R150,00 per transaction from the 4th_{occurrence within 12 months. Cheques that are unpaid will be levied a flat fee of R150,00}

from the first occurrence.

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Gold/Platinum Value Bundles

With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you’ve used all the transactions in your bundle, you will only pay standard fees as per the pricing table on page 11. Transactions as allocated in your Value Bundle will roll over for one month if not used. You can get a 50% discount on your monthly fee if you maintain a set positive balance in your account.

Furthermore, if your spouse chooses to take up a Gold or Platinum Value Bundle he/she qualifies for a 50% discount on his/her monthly fee. You get free subscriptions to NotifyMe, Internet Banking, Telephone Banking

and Cellphone Banking.

Gold Value Bundle

Platinum Value Bundle

Monthly fees

Monthly service fees R98,00 R159,00

Discounted monthly service fee: • For maintaining a balance of:

- more than R30 000 = 50% discount; or

- more than R50 000 = 50% discount R49,00N/A N/AR79,50

Monthly subscription fees –

Internet, Cellphone, Telephone Banking No charge No charge

DragonPass monthly fee (optional)(1) _N/A _R59,00

Absa ATM cash deposits • Cash deposit: Absa ATM • Cash deposit: Cash acceptor

• Cardless cash deposit: Cash acceptor

5 5

Absa ATM cash withdrawals

• Cash withdrawals Absa ATM, Barclays ATM 5 7

Unlimited Unlimited

Electronic account and beneficiary payments

• Account payments via Absa ATM, Internet, Cellphone, Telephone (IVR)

• External debit orders

Unlimited Unlimited

Funds transfers and internal payments • Funds transfers via Absa ATM, Internet,

Cellphone, Telephone (IVR) • Internal debit orders • Stop orders

Unlimited Unlimited

Notification fee (SMS or email) No charge No charge

eStatement(2) _{No charge} _{No charge}

Roll-over of unused transactions(3) _{1 month} _{1 month}

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Gold Value Bundle

Platinum Value Bundle

Cross-product benefits

Cash back for your Credit Card R25,00 R25,00

Cash back for your Home Loan(4) _R15,00 _R20,00

Cash back for your Vehicle Finance R5,00 R5,00

Additional features

Spouse discount on monthly service fees 50% 50%

Lump sum death benefit R15 000 R20 000

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied on the Gold/Platinum Current Account as per the pricing table on page 11.

Notes:

1. The first five visits per annum via DragonPass are included in the monthly fee. Visits in excess of five will be charged at the lounge at a fixed rand value of R160,00 at domestic lounges and R300,00 at international lounges.

2. Customers can register for eStatements by logging onto Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to

[email protected]

3. Unused transactions for the current month will be added to the next month’s transaction limits (i.e. a Gold Value Bundle customer who only uses 2 ATM withdrawals will have 8 ATM transactions in the following month).

4. Joint Home Loans and Home Loans under the Usury Act are excluded.

Notes:

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Mega U

Monthly fees

Monthly administration fee No charge

Deposits

Cash deposit: Branch counter No charge if deposit is less than R500.

R8,00 + R1,50/R100 of full deposit if deposit is greater than or equal to R500.

Cash deposit: Absa ATM First R500 at no charge, thereafter

R1,30 per R100

Cardless cash deposit: Cash acceptor First R500 at no charge, thereafter R1,50 per R100

Cash withdrawals

Purchases

Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) No charge

POS – overseas(5) _R50,00

Account payments

• Telephone Adviser-assisted R12,50 + R1,30/R100 (max. R65)R19,50 + R1,30/R100 (max. R65)

Youth Banking

The Mega U Account is the ideal way to get you started. You need to be younger than 19 years to qualify. With this account you have the benefit of the following:

• No monthly fee

• Free cash withdrawals at Absa ATMs and Barclays ATMs • Free prepaid top-up

• Free debit card purchases • Free SMS and email notifications • Free Absa ATM balance enquiries • Free value added services.

Youth customers who bank smartly can bank free of charge.

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Mega U

Debit and stop orders • Internal debit orders • External debit orders • Stop orders

• Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge R50,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,99R7,90 + R1,30/R100 Balance enquiries Branch counter R5,00

POS R1,00

Statement fees

Transaction history

No charge R20,00

Administration fees

Bank cheque R90,00

Stop payments

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Mega U

Other fees

Notification fee (SMS or email) No charge

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Notes:

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Student Banking

Student Silver

EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter

Option 1 R21,00 Unlimited N/A

Student Silver

A Student Silver Current Account is the most cost-effective way to bank while you are a student. For as little as R21,00 a month, all your day-to-day banking needs are taken care of. Plus you receive value added benefits tailored to your needs.

A Student Silver Account provides you with unlimited access to Internet and Cellphone Banking as well as our ATM network, providing you with convenient and affordable access to your finances wherever you are.

EasyFee

The default pricing option on Student Silver is the EasyFee pricing option. With this option you can perform an unlimited number of selected transactions through our self-service channels for a fixed fee of R21,00 a month.

For Student Silver, there are no monthly subscription fees for NotifyMe and Internet, Cellphone and Telephone Banking. Most fees for transactions performed on these channels are included in the monthly service fee. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements and tax certificates.

Transactions catered for in EasyFee

The monthly fee includes any combination of the following day-to-day transactions performed on any electronic channel (Absa ATM, Internet/Cellphone/Telephone Banking (IVR)):

• Absa and Barclays ATM cash withdrawals • Absa ATM cash deposits(2)

• Absa and Barclays ATM balance enquiries and ministatements • CashSend at an Absa ATM

• Electronic funds transfers • Account payments

• Point-of-sale purchases and cash withdrawals (local) • Debit orders and stop orders.

All other transactions not included in the above list (e.g. Saswitch transactions, branch counter transactions) will be charged at the standard fee as reflected on the Pay-as-you-transact pricing table on page 45. For Student Silver, monthly mailed statements and eStatements(1)_{are free of charge.}

Note

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Flexi Account (Seniors)

Pricing options

Seniors Rebate Banking(1)_{minimum balance} _{R5 000}

Monthly fees

Deposits

Cash withdrawals

Purchases

POS – local R2,65

Account payments • Absa ATM

• Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted R7,50 R7,50 R50,00 R14,50 Immediate interbank payment

• Internal debit orders • External debit orders • Stop orders No charge R8,00 No charge

Seniors Banking

Flexi Account

Seniors offering

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Flexi Account (Seniors)

Funds transfers • Absa ATM

• Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge No charge R50,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,90 + R1,30/R100R7,90 + R1,30/R100 Balance enquiries Branch counter R5,00

POS R1,00

Statement fees

Transaction history

No charge R20,00

Administration fees

Bank cheque R90,00

Stop payments

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Flexi Account (Seniors)

Other fees

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Notes:

1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R5 000 is maintained throughout the month. This option is only available to our senior customers (aged 55 or over).

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Transactions exempt with Rebate Banking

Transaction types

Monthlyfees Purchases

Monthly account fee Prepaid top-up:

Absa ATM/POS

Deposits

Cheque deposit: Branch counter/Absa ATM POS – local Cash deposit: Branch counter/Absa ATM Funds transfers

Cash withdrawals Branch counter

Branch counter Absa ATM

Absa ATM, Barclays ATM Balance enquiries

Point of sale (POS) – local Absa ATM/Barclays ATM

Account payments Statement fees

• Absa ATM

• Branch counter Absa ATM ministatementOther fees

Debit orders and stop orders • Internal debit orders • External debit orders

Notification fee (SMS or email) Cheque encashment

Cheques issued

Rebate

Banking

Minimum monthly account balance N/A

Maximum rebate amount R500,00

No minimum balance is needed to be maintained in the account. However, one of the following investments must be maintained with Absa to qualify for rebates:

• 12-month (or longer) Fixed Deposit • 12- to 18-month Bonus Deposit • Linked Rate deposit

• MoneyBuilder • Money Market Fund • Investment Advantage • Depositor Plus • TruSave • Notice Select • Tax-free Savings R15 000 R15 000 R15 000 R15 000 R20 000 R20 000 R20 000 R15 000 R20 000 R20 000

Prosperity

The Prosperity Account is one of the most affordable ways to bank if you are 55 years and older and earn more than R2 000 a month. If you can afford to invest R15 000 or more you have access to the Prosperity Rebate Banking option, where you receive up to R500,00 a month of daily banking transactions free of charge. As a Prosperity customer, you also qualify for additional interest rate benefits on a selection of our investment accounts.

Tip: With the Rebate option you pay no banking fees on certain transactions if you maintain a set minimum balance in your investment account. All other transactions not

included under Rebate Banking will be charged at the standard Pay-as-you-transact fee pricing as per the pricing table on page 45.

In addition to rebates on the current account, Prosperity customers will benefit from a concession on most transactional charges on Internet, Telephone and Cellphone Banking. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and tax certificates.

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Islamic Youth

Monthly fees

Deposits

Cash deposit: Branch counter No charge if deposit is less than R500.

R8,00 + R1,50/R100 of full deposit if deposit is greater than or equal to R500.

Cash deposit: Absa ATM First R500 at no charge,

thereafter R1,30 per R100

Cardless cash deposit: Cash acceptor First R500 at no charge,

thereafter R1,50 per R100

Cash withdrawals

Purchases

Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) No charge

POS – overseas(5) _R50,00

Account payments

• Telephone Adviser-assisted R12,50 + R1,30/R100 (max. R65)R19,50 + R1,30/R100 (max. R65)

Islamic Banking

Islamic Youth

The Islamic Youth Account is the ideal account to get you started. You need to be younger than 19 years to qualify. With this account you have the benefit of

the following:

• No monthly fee

• Free cash withdrawals at Absa ATM and Barclays ATM • Free prepaid top-up

• Free debit card purchases • Free SMS and email notifications • Free Absa ATM balance enquiries.

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Islamic Youth

Debit and stop orders • Internal debit orders • External debit orders • Stop orders

• Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge R50,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,99R7,90 + R1,30/R100 Balance enquiries Branch counter R5,00

POS R1,00

Statement fees

Transaction history

No charge R20,00

Administration fees

Bank cheque R90,00

Stop payments

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Islamic Youth

Other fees

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Notes:

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Islamic Savings

Pricing options

Standard fee √

Rebate Banking(1)_{minimum balance} R15 000

Monthly fees

Deposits

Cash withdrawals

Purchases

POS – local R3,85

• Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted R7,50 R7,50 R50,00 R14,50 Immediate interbank payments

No charge R8,00 No charge

Islamic Savings

This is a Shari’ah-compliant transactional savings account that provides you with a pre-agreed profit share ratio and a card that you can use to access your funds at any time via ATMs or Absa branches. There is no minimum or maximum investment period.

You can do all types of electronic payments and transfer transactions, and if you have R15 000 or more in your account, certain transaction fees will be waived. A minimum initial deposit of R50,00 is required to open the account and a minimum balance of R50,00 must be maintained.

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Islamic Savings

• Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge No charge R50,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,90 + R1,30/R100R7,90 + R1,30/R100 Balance enquiries Branch counter R5,00

POS R1,00

Statement fees

Transaction history

No charge R20,00

Administration fees

Bank cheque R90,00

Stop payments

Stop order establishment/Amendment fee

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Islamic Savings

Other fees

• SMS | Email | Fax R0,80 | R0,80 | R6,50

Notes:

1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R15 000 is maintained throughout the month.

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Islamic Current Account

Value Bundles

This is a Shari’ah-compliant cheque product based on a Qardh structure, and offers a transactional account vehicle that allows you to have an affordable Flexi, Gold or Platinum Value Bundle pricing option. Bank from as little as R55,00 a month with a Value Bundle. With the Value Bundle pricing

option we offer you a selection of transactions for a low monthly fee. When you’ve used all the transactions in your bundle, you will only pay standard fees per transaction as per the Pay-as-you-transact pricing table on page 45.

Flexi

Value Bundle

Gold

Value Bundle

Platinum

Value Bundle

Monthly fees

Monthly service fees R55,00 R98,00 R159,00

Discounted monthly service fee: • For maintaining a balance of:

- more than R30 000 = 50% discount; or

- more than R50 000 = 50% discount N/AN/A R49,00N/A N/AR79,50 Monthly subscription fees – Internet, Cellphone,

Telephone Banking No charge No charge No charge

DragonPass monthly fee (optional)(1) _N/A _N/A _R59,00

Absa ATM cash deposits • Cash deposit: Absa ATM • Cash deposit: Cash acceptor

• Cardless cash deposit: Cash acceptor

0 5 5

Absa ATM cash withdrawals

• Cash withdrawals Absa ATM, Barclays ATM 3 5 7

Unlimited Unlimited Unlimited

Electronic account and beneficiary payments • Account payments via Absa ATM, Internet,

Cellphone, Telephone (IVR) • External debit orders

11 Unlimited Unlimited

Funds transfers and internal payments • Funds transfers via Absa ATM, Internet,

Cellphone, Telephone (IVR) • Internal debit orders • Stop orders

Notification fee (SMS or email) No charge No charge No charge

eStatement(2) _{No charge} _{No charge} _{No charge}

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Flexi Value Bundle Gold Value Bundle Platinum Value

Bundle

Cross-product benefits

Cash back for your Credit Card* _N/A _R25,00 _R25,00

Cash back for your Home Loan(4)* _N/A _R15,00 _R20,00

Cash back for your Vehicle Finance N/A R5,00 R5,00

Additional features

Spouse discount on monthly service fees N/A 50% 50%

Lump sum Takaful benefit R5 000 R15 000 R20 000

Notes:

1. The first five visits per annum via DragonPass are included in the monthly fee. Visits in excess of five will be charged at the lounge at a fixed rand value of R160,00 at domestic lounges and R300,00 at international lounges.

2. Customers can register for eStatements by logging onto Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request

to [email protected]

3. Unused transactions for the current month will be added to the next month’s transaction limits (i.e. a Gold Value Bundle customer who only uses 2 ATM withdrawals will have 8 ATM transactions in the folllowing month).

4. Joint Home Loans and Home Loans under the Usury Act are excluded.* *Not Shariah-compliant.

Notes:

• Stop payments of cheques and debit orders.

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied on the Gold/Platinum Current account as per the pricing table on page 45.

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Savings and Investments

TruSave, Depositor Plus, Club Account,

Money Market Fund

Start saving for your future now with our range of savings and investment accounts. Absa Internet Banking customers can conveniently open a range of savings and investment accounts

online without going into a branch. Keep your hard-earned savings in a savings or investment account to ensure you maximise your returns and keep control of your savings goals.

TruSave

Depositor Plus

Club Account

Monthly fees

Monthly administration fee No charge No charge No charge

Deposits

Cheque deposit: Branch counter R25,00 R25,00 R25,00

Cheque deposit: Absa ATM No charge No charge N/A

Cash deposit: Branch counter R8,00 + R1,50/R100 R8,00 + R1,50/R100 R8,00 + R1,50/R100 Cash deposit: Absa ATM R3,00 + R1,30/R100

(first 4 ATM cash deposits free pm)

R3,00 + R1,30/R100 N/A

Cardless cash deposit: Cash acceptor R6,00 + R1,50/R100 R6,00 + R1,50/R100 R3,00 + R1,30/R100

Cash withdrawals

Branch counter R50,00 + R1,55/R100 R50,00 + R1,55/R100 R50,00 + R1,55/R100

(first 2 free Absa ATM pa)

R6,95 + R1,30/R100 N/A

Absa-supported ATM R9,95 + R1,30/R100 R9,95 + R1,30/R100 N/A

Saswitch ATM R12,95 + R1,30/R100 R12,95 + R1,30/R100 N/A

Overseas ATM(1) (4) _R50,00 _R50,00 _N/A

• Branch counter N/AN/A N/AN/A N/AR50,00

Debit and stop orders • Internal debit orders • External debit orders • Stop orders N/A N/A N/A N/A N/A N/A No charge R8,00 No charge Funds transfers • Absa ATM

• Branch counter No chargeR50,00 No chargeR50,00 N/AR50,00

Balance enquiries

Branch counter R5,00 R5,00 R5,00

Absa ATM R1,50 (first 2 free pm) R1,50 N/A

Absa-supported ATM R4,00 R4,00 N/A

Saswitch ATM R5,00 R5,00 N/A

Statement fees

Branch counter full statement R20,00 R20,00 R20,00

Absa ATM ministatement R5,00 (first 2 free pm) R5,00 N/A

Absa CAT terminal full statement R10,00 R10,00 N/A

Mailed statement R20,00 No charge R20,00

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TruSave

Depositor Plus

Club Account

Administration fees

Bank cheque R90,00 R90,00 R90,00

Special clearance N/A N/A R90,00

Debit card replacement fee R100,00 R100,00 N/A

Other fees

Notification fee (SMS or email) R0,55 No charge No charge

Dishonoured/Returned payment(3) _N/A _N/A _R36,00

Declined fee (insufficient funds) • Absa ATM • Absa-supported ATM • Saswitch ATM • POS R5,00 R5,00 R5,00 N/A R5,00 R5,00 R5,00 N/A N/A N/A N/A N/A

Returned cheque deposit R90,00 R90,00 R90,00

Notes:

3. Increasing to R50,00 per transaction from the 4th_{occurrence within 12 months.}

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Tax-free Savings

Monthly fees

Deposits

Cash withdrawals

Absa ATM/Barclays ATM N/A

Absa-supported ATM N/A

Saswitch ATM N/A

Overseas ATM N/A

• Branch counter N/AN/A

Debit and stop orders • Internal debit orders • External debit orders • Stop orders N/A N/A N/A Funds transfers • Absa ATM

• Branch counter No chargeR50,00

Balance enquiries

Saswitch ATM R5,00

Statement fees

Branch counter full statement R20,00

Administration fees

Bank cheque R90,00

Stop payment instruction N/A

Special clearance N/A

Debit card replacement fee N/A

Tax-free Savings

The Tax-free Savings Account is a smart way to save, with immediate access to your money. Your interest return is protected from tax.

Contribute up to a maximum of R30 000 per tax year, with a maximum lifetime contribution limit of R500 000.

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Tax-free Savings

Other fees

Dishonoured/Returned payment N/A

Declined fee (insufficient funds) N/A

Notes:

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Money Market Fund

Monthly fees

Commission

All credits to account except for counter cash deposits 0,40%

Deposits

Cheque deposit: Branch counter Commission applicable

Cheque deposit: Absa ATM Commission applicable

Cash deposit: Absa ATM Commission applicable

Cardless cash deposit: Cash acceptor Commission applicable

Cash withdrawals

Branch counter(1) _{R50,00 + R1,55/R100}

Absa ATM(1)_{/Barclays ATM}(1) _{R6,95 + R1,30/R100}

Overseas ATM(2) (5) _R50,00

• Branch counter N/AN/A

Debit and stop orders • Internal debit orders • External debit orders • Stop orders N/A N/A N/A Funds transfers • Absa ATM

• Branch counter No chargeNo charge

Balance enquiries

Branch counter No charge

Absa ATM No charge

Saswitch ATM R5,00

Statement fees

Branch counter full statement No charge

Absa ATM ministatement No charge

Absa CAT terminal full statement No charge

Administration fees

Bank cheque(1) _R90,00

Special clearance No charge

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Money Market Fund

Other fees

Dishonoured/Returned payment N/A

Notes:

1. Provided a minimum balance of R100 000 is maintained in the account at all times the transactions indicated will be exempt from standard charges. 2. Cash withdrawals performed at Global Alliance partners: R35,00.

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Credit Cards

Credit Card Monthly Account Fee

(1)

Card type

Student

Transact Credit Gold

Platinum

Credit card R0,00 pm R5,00 pm R15,00 pm R40,00 pm

Affinity card N/A N/A R15,00 pm N/A

Secondary card No charge No charge No charge No charge

It’s smarter to use your credit card for purchases instead of using cash, and here’s why:

• You get up to 57 interest-free days on purchases, excluding cash withdrawals, casino transactions, Internet Banking transfers, fuel purchases and budget plan purchases. This applies if all outstanding balances on the credit card account were fully paid by the due dates. Cash and Garage card transactions are not included in the interest-free period, as interest is charged from the date of transaction. Terms and conditions apply.

• Avoid paying cash deposit fees when you transfer payments to your credit card using electronic channels (Internet, Cellphone or ATM).

Tip: Use your credit card for fuel purchases, as no transaction fees are charged.

Credit Cards

Monthly Fees

Credit facility service fee(2)

Garage cards

Monthly subscription fees – Internet, Cellphone, Telephone Banking

R25,00 R28,00 No charge

Purchases

Credit card purchases No charge

Garage card purchases R5,00

Deposits

Cash deposit: Branch counter R8,00 + 1,50% of deposit value

Cash withdrawals

Branch counter (any local bank) R50,00 + R1,55/R100

Absa ATM R3,95 + R1,30/R100

Overseas ATM(3 ) _R50,00

• Branch counter R7,50R50,00

• Branch counter No chargeR50,00

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Credit Cards

Statement fees and notifications

SMS/email notifications R0,55

Other fees

Replacement/Lost card administration fee(4) _R120,00

Unpaid debit order/Cheque fee R95,00

Invalid disputes fee – domestic transactions R42,00

Invalid disputes fee – international transactions R113,00

Duplicate statement fee R5,00 per request

R1,00 per page (max. R50)

Same-day delivery R325,00

Bank cheque R90,00

Initiation fee R150,00

Load fee: Low-value payments (LVP) • POS

• Branch, ATM, Internet, Cellphone, Telephone

3,5% of deposit value (minimum charge of R1,50) 2,5% of deposit value (minimum charge of R1,50) Notes:

1. Credit Card Monthly Account Fee: This fee relates to the cost charged monthly for the administration and maintenance of the value-added features on your credit card account. This fee enables the ‘more than just credit’ features on your card.

2. Credit Facility Service Fee: This fee relates to the cost charged monthly for the routine administration of maintaining your credit card facility. This fee enables the everyday use of your credit card and the credit granted.

Credit card rebates on Value Bundles: The rebate structure will be linked to the monthly Credit Facility Service Fee. If you have a Gold or Platinum Value Bundle, the Credit Facility Fee of R25,00 will be rebated into your transactional account.

3. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 4. We may charge a replacement card fee or lost card administration fee at our own discretion.

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Home Loans

A Home Loan offers you flexible repayment terms so you can repay your loan over any term up to 30 years. You also get to choose from a range of interest rate options. Easy access means you can use the funds you have paid in advance in your Home Loan immediately with FlexiReserve.

At any time, you can choose to save interest by depositing an additional amount into your loan. As your property appreciates in value, you can also increase your loan amount to finance whatever you want.

Home Loans

Initiation fees

All loans R5 985

Monthly service fees

All agreements(2) _R68,40

Deposits

Cash deposit:Branch counter(1) _{R8,00 + R1,50/R100}

Notes:

1. Fee applicable for all cash deposited in excess of the monthly repayment amount. Please note that ATM deposits, cheque deposits and electronic deposits are free of charge.

2. Absa Gold and Platinum Value Bundle customers benefit by receiving a rebate of up to R20,00 on the monthly service fee for having a qualifying Home Loan. The rebates are paid into your transactional account.

Early settlement interest

In accordance to the Mortgage Loan agreement, early termination fee up to a maximum of 90 days interest on the account will be levied on all Home Loans being cancelled where customers failed to give notice of the intention of such closure. Where notice was given , such notice will be valid for a period of 180 days.

In cases where the loan is closed in a period shorter than 90 days, the early termination fee calculation will be reduced by such period. If notice is given 30 days before account closure, the early termination interest charge will only be applied on the remaining 60 days. (90 days less 30 days to settlement).

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International Banking

Foreign exchange – general information

Whether your overseas trip is for business, pleasure or a combination thereof, Absa will help you with all your financial arrangements so that your trip is enjoyable and hassle-free. Please note these important rules regarding foreign exchange The South African Reserve Bank sets an annual amount that adults, children and business representatives may take overseas. As the rules and limits change from time to time, please ask us about the latest allowances. In terms of current South African Exchange Control regulations, you may not be given your foreign exchange more than 60 days before you leave. You will only be given your travel allowance if you have a valid passenger ticket, e-ticket or electronic flight voucher in your name, for a journey commencing from South Africa.

You will require a valid passport and your green bar-coded Identity Document. Non-Absa customers are required to produce the necessary FICA* documents.

Absa’s Foreign Exchange Desk deals in all major foreign currencies and is able to provide foreign currency for travel or transactional purposes, including:

• Foreign banknotes

• Multi-currency Cash PassportTM_card

• Electronic funds transfers and bank drafts • Western Union®_{Money Transfer service}

• An up-to-date listing of current exchange rates.

Tip: Use an Absa Multi-currency Cash PassportTM_{card when}

travelling internationally. It is much safer and more convenient than carrying cash.

*Financial Intelligence Centre Act.

International Banking

Branch Online

Multi-currency Cash PassportTM _card

Sale of Multi-currency Cash PassportTM _{cards and reloads} _{1,95% Minimum R116,00}

Once-off card activation fee R145,00

Secondary card R60,00

Repurchase of Multi-currency Cash PassportTM _{card (cash out)}

Crediting an Absa account No charge

Purchase and sale of foreign banknotes

Foreign bank Notes purchase and sale 1,95% Minimum R140,00

Travellers Cheques

Purchase of travellers cheques 2,05% Minimum R155,00

Transfer outwards (SWIFT)

In rand and foreign currency Electronic fee

Additional fee if payment sent in rand

0,54% Minimum R140,00 Maximum R700,00 R100,00 R125,00 0,53% Minimum R132,00 Maximum R690,00 R70,00 R125,00

Transfer inwards (SWIFT)

Inwards transfers received

Additional fee if payment is received in rand

0,54% Minimum R140,00 Maximum R700,00 R125,00 0,53% Minimum R132,00 Maximum R690,00 R125,00

Inwards pension payments – Transaction value <R10 000

– Transaction value R10 000 and above No charge0,54% Minimum R140,00 Maximum R700,00

No charge

0,53% Minimum R132,00 Maximum R690,00

Bank drafts

Sale of bank drafts (on-site) 1,90% Minimum R230,00

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International Banking

Western Union®_{Money Transfer service}

Money remittances outbound

(Pricing the same for both in-branch and digital)

*_{At time of WUMT send: Fee to be converted to ZAR at prevailing}

exchange rate prior to 14% VAT addition/inclusion.

Money remittances inbound No charge

Other

Cash-handling fee

• Transaction value under R50 000 • Transaction value above R50 000 Travel delivery fee

• Delivery of travel products to client’s premises • Failed delivery

Statutory forms • Attestation thereof

R315,00

R8,00 + 1,50% of the value of the cash exchanged for foreign currency

R185,00 R230,00 R65,00

Principal bands USD

from Principal bands USD to Fee USD

* - 50 7,00 51,00 100,00 10,00 101,00 150,00 12,00 151,00 200,00 14,00 201,00 250,00 16,00 251,00 300,00 18,00 301,00 400,00 20,00 401,00 500,00 25,00 501,00 600,00 30,00 601,00 700,00 35,00 701,00 800,00 40,00 801,00 900,00 45,00 901,00 1 000,00 50,00 1 001,00 1 200,00 55,00 1 201,00 1 500,00 63,00 1 501,00 1 800,00 63,00 1 801,00 2 000,00 64,00 2 001,00 2 500,00 65,00 2 501,00 3 250,00 65,00 3 251,00 5 000,00 2% principal 5 001,00 7 500,00 2% principal 7 501,00 10 000,00 2% principal

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Prepaid Debit Card

Monthly fees

Monthly administration fee(1) _{No charge}

Monthly subscription fees – Internet, Cellphone, Telephone Banking N/A

Once-off card fee R40,00

Deposits(2)

Cheque deposit: Branch counter 2,5%

Cheque deposit: Absa ATM 2,5%

Cash deposit: Branch counter 2,5%

Cash deposit: Absa ATM 2,5%

Cardless cash deposit: Cash acceptor 2,5%

Cash withdrawals

Absa ATM No charge

Point of sale (POS) No charge

Overseas ATM/POS N/A

Purchases

Prepaid top-up at Absa ATM or POS No charge

Prepaid top-up at Internet, Cellphone, Telephone (IVR) N/A

POS – overseas N/A

CashSend

• Absa ATM No charge

Balance enquiries

Absa ATM No charge

POS No charge

Saswitch ATM No charge

Post Office terminal No charge

Statement fees

Absa ATM ministatement No charge

Absa CAT terminal full statement No charge

Branch counter full statement No charge

Mailed statement N/A

Other offerings

Prepaid Debit Card

The Prepaid Debit Card is a basic cash-in/cash-out account and is ideal for someone who only needs access to basic banking services such as deposits, cash withdrawals,

debit card purchases and prepaid top-ups. Debit orders and bill payments are restricted on the Prepaid Debit Card.

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Prepaid Debit Card

Statement fees

Copies of statements (per statement) • Less than 4 months old

Administration fees

Bank cheque N/A

Reissue card fee(3) _R40,00

Inactive fee (pm)(4) _R10,00

Special clearance No charge

Other fees

Returned cheque deposit No charge

Notes:

1. A R10,00 administration fee will apply when the card expires and the customer did not request the reissuing of a new card. 2. All credits to the Prepaid Debit Card Account will attract a fee of 2,5% of the value of the deposit amount, i.e. R2,50 for R100,00. 3. When a customer requests a new card to replace the expired card, a reissue card fee will be charged.

4. A R10,00 inactive fee will apply per month if the card is not used for a 12-month period.

2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

How transaction fees work

Pricing options – at a glance

Contents

Transactional offerings

Product offerings

Pricing plans

Basic Banking

Transact

Transact

Transact

Transact

Daily Banking

Flexi Account

Flexi Account

Flexi Account

Flexi Value Bundle

Flexi Value Bundle

Full-value Banking

Gold/Platinum Current Account

Gold/Platinum Current Account

Gold/Platinum Current Account

Gold/Platinum Current Account

Gold/Platinum Value Bundles

Gold Value Bundle

Platinum Value Bundle

Gold Value Bundle

Platinum Value Bundle

Mega U

Youth Banking

Mega U

Mega U

Student Banking

Student Silver

Student Silver

Flexi Account (Seniors)

Seniors Banking

Flexi Account

Flexi Account (Seniors)

Flexi Account (Seniors)

Transactions exempt with Rebate Banking

Rebate

Banking

Prosperity

Islamic Youth

Islamic Banking

Islamic Youth

Islamic Youth

Islamic Youth

Islamic Savings

Islamic Savings

Islamic Savings

Islamic Savings

Islamic Current Account

Flexi

Value Bundle

Gold

Value Bundle

Platinum

Value Bundle

Flexi Value Bundle Gold Value Bundle Platinum Value

Bundle

Savings and Investments

TruSave, Depositor Plus, Club Account,

Money Market Fund

TruSave

Depositor Plus

Club Account

TruSave

Depositor Plus

Club Account

Tax-free Savings

Tax-free Savings

Tax-free Savings

Money Market Fund

Money Market Fund

Credit Cards

Credit Card Monthly Account Fee

Card type

Student