GREAT-VALUE SMALL BUSINESS BANKING

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Fees effective from 1 January 2014

GREAT-VALUE

SMALL BUSINESS

BANKING

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With Nedbank you are in

control of your banking.

By following these five

steps you can bank

wisely and save on fees.

Choose the right

account for you.

Is your bank account

working for you?

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.

Five steps to

great-value

banking

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).

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22

14

20 Small businesses

Small Business Services Current Account

Small Business Services Credit Card

Credit

Credit card

Travel

Foreign exchange

Personal relationship banking

Personal Relationship Banking Bundle Account

Personal Relationship Banking Current Account

Savvy Bundle Account

26

30

34

24

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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.

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.

Great-value relationship banking provides you with:

More bank

for your buck

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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.

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.

Great-value banking TOOLS and TIPS

Choose the right

account for you.

Five steps

to great-value

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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.

Use our money tools.

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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 120001#, 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.

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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.

Get rewarded.

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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.

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This provides the perfect banking

solution for your small business at

just R51,00 a month, and provides

your business with a host of

value-adding 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.

• Free 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*.

Great-value Small

Business Banking

The Small Business Current Account

For your business

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• 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.

• Free 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.

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Great-value Personal

Relationship Banking

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:

• 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.

• Free 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.

• Free access to internet banking, and the cellphone and

telephone banking channels.

• Free 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.

• Free access to MyFinancialLife™ – an online tool that

provides a view of your entire financial position in one place.

The Personal Relationship Banking

Account (Bundle)

For you and your household

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• Access to offshore banking solutions, facilitated through

Nedbank Private Wealth, to enable movements of funds

to and from offshore multicurrency jurisdictions, tax-planning 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.

• Free access to Bidvest domestic and international

lounges at local airports through your Platinum

Credit Card.

• Free travel insurance for travel tickets booked on your

Platinum Credit Card.

• Hassle-free card and foreign exchange delivery to a

location of your choice.

• Free 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

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.

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The household

offering

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.

We’ll look after you and your household.

For you and your household

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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).

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Small Business Services

Current Account

Small businesses

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TRANSACTION FEE AMOUNT

ANNUAL FEES

Visa Electron/Maestro debit card service fee Free 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 fee1 _R51,00

Overdraft facility fee2 _{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 Free

SELF-SERVICE BANKING

Subscription fee3_Free

TRANSACTION 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.

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• 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 Free 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 tillpoint4 _R4,00

At a participating retailer’s tillpoint,

combined with a purchase at the store4 _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 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.

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Small Business Services

Current Account

continued

Small businesses

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PAYMENTS – ELECTRONIC

SMS Banking Free

Telephone Banking: Self-service Free 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 NetBank5

SMS R0,70

Email R0,55

Fax R3,00

PAYMENTS – CHEQUE Cheque service fee 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 Bank-guaranteed cheque 0.03% of value, R40,00 Minimum Bank’s own cheque 0.03% of value, R45,00 Minimum PAYMENTS – AT A BRANCH

To a Nedbank account R56,00 plus service fee To an account at another bank R56,00 plus service fee

5 Payment notifications can be sent to third parties. However, a fee will be charged for each notification sent.

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Small Business Services

Current Account

continued

Small businesses

INTERACCOUNT TRANSFERS

SMS Banking Free

Telephone Banking: Self-service Free 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 Free

At a Nedbank ATM Free

At a branch7 _{One free per billing cycle}

thereafter R4,00 At another bank’s ATM R4,00 At a Nedbank self-service device R1,50 At another bank’s self-service device 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.

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Small Business Services

Current Account

continued

Small businesses

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TRANSACTION LISTS

NetBank internet banking - up to five years Free At a self-service terminal Free

– Transaction list up to five years7 _{One free per billing cycle}

thereafter R5,00 Mini transaction list from a Nedbank ATM7_{One free per billing cycle}

thereafter R5,00

At a branch R10,00

Faxed transaction list via telephone banking R15,00

STATEMENTS

A4 mailed8 _{One free per month}

Copy of A4 statement at a branch8 _{One free per billing cycle}

thereafter R16,00

Electronic8 _Free

CELLPHONE TOPUPS

At another bank’s ATM R6,00 Via NetBank internet banking Free

OTHER CHARGES

No-funds alert R6,00 per SMS Certificate of balance R346,50 Copy of tax certificate Free Setup, amendment and cancellation of

stop order Free

Archived image of deposit slip/cheque on NetBank internet banking Free

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.

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Small Business Services

Current Account

continued

Small businesses

OTHER CHARGES

Denied transaction at a Nedbank ATM Free 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

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Small Business Services

Credit Card

Small businesses

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SERVICE FEES1

MasterCard and American Express® Card R19,25 monthly Nedbank Greenbacks R179,00 Supplementary card Free

Garage card R189,00

Internet banking (monthly user)2 _R16,00

Once-off initiation R112,00

BALANCE ENQUIRIES

Over the counter First free per cycle, thereafter R4,00 Nedbank ATM and self-service

device (SSD) enquiry Free Saswitch ATM enquiry R4,00 Garage card fuel purchase R4,00

Card replacement R75,00

CASH WITHDRAWALS

Nedbank ATM and SSD R3,50 plus R1,25 per R100,00 or part thereof Saswitch ATM R9,50 plus R1,25 per

R100,00 or part thereof Over the counter R25,00 plus R1,25 per

R100,00 or part thereof International ATM3 _{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.

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• 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 transfer4_R4,00

Electronic payment4_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.

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Credit card

Credit

PURCHASES

Credit card Free

Credit card budget facility Free

VALUE-ADDED SERVICES

Self-service subscription2_R16,00

Transactional SMS notification Free

DEPOSITS

Cash (over the counter/Nedbank ATM) R5,00 plus R1,25 per R100,00, with a R17,00 minimum Cheque (over the counter/Nedbank ATM) R13,50

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 ATM3 _{R30,00 plus R1,25 per}

PAYMENTS

Interaccount transfer4_R4,00

Electronic payment4_R4,00

Fuel transaction5_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.

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Card type Monthly card fee Supplementary card fee (per card _{linked to account)} Garage card fee_{(per card linked to account)}5 Nedbank Greenbacks Rewards _{Programme annual fee} Initiation fee

Platinum1 Free Free R16,00 Free R112,00

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• 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.

NOTIFICATIONS

NetBank/Internet payment

notification – fax R3,00

BALANCE ENQUIRIES

Nedbank ATM Free

Another bank’s ATM R4,00 NetBank internet banking Free

STATEMENT ENQUIRIES

Nedbank ATM Free

Nedbank SST Free

Emailed/Mailed statement Free

OTHER FEES

Dishonoured payment R125,00

Tracing Up to R377,00

Incorrectly disputed transaction

(local or international) R150,00

OTHER CHARGES

International currency conversion3 _2%

Card replacement6_R75,00

Face-to-face card delivery6_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.

Card type Monthly card fee Supplementary card fee (per card _{linked to account)} Garage card fee_{(per card linked to account)}5 Nedbank Greenbacks Rewards _{Programme annual fee} Initiation fee

Platinum1 Free Free R16,00 Free R112,00

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Foreign exchange

Travel

TRANSACTION FEE AMOUNT1

TRAVELLERS CHEQUE SALES

(Buying from Nedbank)

Commission 1,85%

Minimum charge R70,00

TRAVELLERS CHEQUE PURCHASES

(Selling to Nedbank)

Travellers cheques repurchased Free

Commission 1,85%

FOREIGN BANKNOTES

(Purchases and sales)

Commission 1,85%

AMEX PREPAID TRAVEL CARD

Encashment of unused funds on Card Free Commission (buying from Nedbank) 1,85%

Initial Card fee2_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.

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3 Available on application.

• 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 payments3_R42,00 Commission R79,00 Payment search (minimum) R174,00

OUTWARD TELEGRAPHIC TRANSFERS

Commission 0,50%

Communication R100,00

Incorrect instructions

(excluding foreign charges) R200,00

Maximum charge R686,50

PERSONAL FOREIGN CHEQUES

Commission 0,65%

Unpaid advice plus foreign charges

(excluding foreign charges) R150,00

Payment search R174,00

Maximum charge R630,00

OTHER CHARGES

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Personal Relationship

Banking Bundle Account

Personal relationship banking

Bundled account

26

MONTHLY FEE

Account maintenance fee1_R269,00

CARDS AND REWARDS

Platinum Cheque Card service fee

(including lost-card protection) Free Cheque card: Nedbank Greenbacks linkage fee Free Garage debit card Free 50% off American Express Platinum charge card (including free priority pass)

VALUE ADDED SERVICES

SMS notifications (eNote) Free Self-service banking: Subscription fee2_Free

Self-service terminal, Cellphone banking (SMS or WAP), Telephone

(self-service or agent assisted) Free NetBank internet banking Free

By SMS, cellphone, telephone, internet or self-service terminal Free Debit order (internalor external) Free

Stop order Free

Payments - cheque Free

By SMS, telephone, cellphone

(WAP or agent-assisted), or internet banking Free At a Nedbank ATM or branch Free Autotransfer processing fee Free

Purchase at a tillpoint Free

Fuel purchase Free

Card replacement fee Free

BALANCE ENQUIRIES

At a self-service terminal, by SMS, telephone, cellphone or internet banking Free At a Nedbank ATM or branch Free

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.

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• 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.

TRANSACTION LISTS

NetBank internet banking - up to five years Free At a self-service terminal3_Free

– Transaction list up to five years Mini transaction list from a Nedbank ATM

or branch Free

Faxed transaction list via telephone banking Free

STATEMENTS

A4 mailed4

Copy of A4 statement at a branch Free

Electronic4 _Free

AIRTIME TOPUP

At a Nedbank ATM or through internet Free Nedbank App Suite™ Free

OTHER

Certificate of balance Free Copy of tax certificate Free Setup, amendment and cancellation of

stop order Free

Archived image of deposit slip/cheque

on NetBank internet banking Free Cheque book (40 pages) Free

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 Branch6 _{or Nedbank ATM} _Free

– at a Nedbank Intelligent Depositor ATM6 _{R2,50 plus R0,63 per}

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.

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Personal Relationship

Banking Bundle Account

continued

Personal relationship banking

Bundled account

28

CASH WITHDRAWALS

At a participating retailer’s tillpoint7 _Free

combined with a purchase at the store7_Free

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

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

Email8 _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

8 Notifications can be sent from other functions. However, a fee will be charged for each notification sent.

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Personal Relationship

Banking Bundle Account

continued

Personal relationship banking

Bundled account

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 R2,50 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

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

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Personal Relationship

Banking Current Account

Personal relationship banking

Pay-as-you-use account

30

ANNUAL SERVICE FEES

Visa Electron/Maestro debit card Free 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

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 fee2 _R16,00 DEPOSITS Electronic deposit Free 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

CASH WITHDRAWALS

At a participating retailer’s tillpoint3 _R4,00

combined with a purchase at the store3_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

2 Includes NetBank internet banking, Telephone Banking: Agent-assisted and Cellphone Banking WAP. SMS Banking and Telephone Banking: Self-service are free.

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• 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

SMS Banking Free

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 NetBank4

SMS R0,70

Email R0,55

Fax R3,00

PAYMENTS – CHEQUE

Cheque service fee 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 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

4 Notifications can be sent from other functions. However, a fee will be charged for each notification sent.

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Personal Relationship

Banking Current Account

continued

Personal relationship banking

Pay-as-you-use account

32

SMS Banking Free

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

Purchase at a tillpoint R4,00

Fuel purchase R4,00

Card replacement fee R50,00

BALANCE ENQUIRIES

Self-service terminal Free

SMS Banking Free

Telephone Banking: Self-service Free Cellphone Banking WAP Free NetBank internet banking Free Telephone Banking: Agent-assisted Free At a Nedbank ATM6_Free

At a branch6 _{One free per billing cycle}

thereafter R4,00 At another bank’s ATM R4,00 At a Nedbank self-service device R1,50 At another bank’s self-service device R4,00

TRANSACTION LISTS

NetBank internet banking - up to five years Free At a self-service terminal

– Transaction list up to five years6 _{One free per billing cycle}

thereafter R5,00 Mini transaction list from a Nedbank ATM6_{One free per billing cycle}

thereafter R5,00

At a branch R10,00

Faxed transaction list via telephone banking R15,00

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Personal Relationship

Banking Current Account

continued

Personal relationship banking

Pay-as-you-use account

STATEMENTS

A4 mailed7 _{One free per month}

Copy of A4 statement at a branch7 _{One free per billing cycle}

thereafter R16,00

Electronic7 _Free

CELLPHONE TOPUPS

At another bank’s ATM R6,00 Via NetBank (internet banking) Free Nedbank App Suite™ Free

OTHER CHARGES

Transactions exceeding monthly limit

No-funds alert R6,00 per SMS Certificate of balance Free Copy of tax certificate Free Setup, amendment and cancellation of

stop order Free

Archived image of deposit slip/cheque

on NetBank (internet banking) Free Denied transaction at a Nedbank ATM Free Denied transaction at another bank’s ATM R5,00 Denied transaction at a Nedbank

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

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

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Savvy Bundle Account

Personal relationship banking

Bundled account

34

ANNUAL SERVICE FEES

Platinum cheque/credit cards Free

MONTHLY FEES

Account maintenance fee1 _R169,00

No-funds alert Free

Overdraft facility fee Free Self-service subscription fee Free

eNote Free Greenbacks Free

CASH WITHDRAWALS

Tillpoint – cash only Free Tillpoint – cash with purchase Free

ACCOUNT PAYMENTS AND PURCHASES

Electronic Interaccount transfer Free Electronic account payment2 _Free

Debit orders Free

Card purchase Free

BALANCE ENQUIRIES

TRANSACTION LISTS

Internet banking - statements for the

past five years Free

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

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.

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Account comparison

Cheque

Account Name of Account

Personal Relationship Banking Bundle Savvy Bundle Personal Relationship Banking Current Account (Pay-as- you-use) User type High frequency user who requires a personal relationship banker High frequency user Low frequency user Monthly fee R269,00 R169,00 R87,00 Value Adds

MyFinancial Life™ Free Free Free

App Suite™ Free Free Free

SMS Banking Free Free Free

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

 Included in the monthly fee

O Optional extra

– Not Available

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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). purple ber ry 1213/8142