PRICING GUIDE (sum) 1 and Student Achiever accounts. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015

Still bringing you real banking value

(sum)

1

_{and Student}

(sum)

_{fees for 2015}

We realise that while you are at school your cash is a bit limited. For this reason, the (sum)1 _{account, which is an}

account offered to under 16’s, is priced so that you can make the most of your money.

(sum)

_{: what do you get FREE per month?}

• No monthly management fee

• Two Standard Bank ATM cash withdrawals • Your first eight electronic debit transactions1

(excluding debit orders) • Your first two ATM cash deposits • MyUpdates (SMS/email notifications)

• Unlimited electronic balance enquiries when using *120*2345#

• Unlimited inter-account transfers to any Standard Bank Savings and Investment account

• Unlimited swipes at retail stores

• Prepaid airtime recharges when using *120*2345# • Internet and Cellphone Banking subscriptions.

(sum)

_{tips on how to manage your account}

The following tips will assist you in banking faster and cheaper – at your own convenience:

• Use Internet, Telephone, Cellphone Banking or the Standard Bank Mobile App as a more cost effective way to perform most of the transactions you do in the branch.

• Recharge prepaid airtime free of charge on the Internet, Telephone or Cellphone Banking.

• In order to avoid paying the branch cash deposit fee, rather try to have deposits paid electronically into your account. • Draw cash at a Standard Bank ATM if you are not already doing so – and remember to always use our ATMs to avoid paying additional fees for using other banks’ ATMs. • Use your debit card to make in-store payments.

1_{Electronic debit transactions include the following:}

Local debit or cheque card purchases/cashback, electronic account payments and electronic inter-account transfers.

(sum)

_{: Number of electronic debit transactions}

per month (excluding debit orders)

1 – 8 transactions Free

9 or more transactions R25,00

(sum)

_{and Student Achiever: over and above this,}

you will be charged as follows:

Transaction type

Deposits at branch or ATM

Cash deposits (branch) R11,00 + 1.25%

of deposit value

Cheque deposits (branch) R25,00

Cash deposits (ATM) R4,00 + 1.25%

of deposit value

Cheque deposits (ATM) R20,00

Cash withdrawal

Cash back at point of sale R5,00

Branch cash withdrawal – using a debit card

R33,00 + 1.35% of withdrawal amount

ATM cash withdrawal2 R4,00 + 1.15% of

withdrawal amount Payments

Debit order (internal) R4,00

Debit order (external) R12,50

Prepaid recharges using Standard Bank:

– Cellphone Banking and Mobile App – Internet Banking – ATM2 R1,10 R1,10 R1,10 Balance enquiries and mini-statements

At Standard Bank ATM (print) R1,10

At Standard Bank ATM

(display) Free

At AccessPoints R1,10

At branch R6,50

At another bank’s ATM R5,00

Note: Your first four Standard Bank ATM cash deposits each month are free. (sum)1 has a minimum opening deposit and minimum balance requirement of R20,00.

Remember, once you turn 16 you qualify for a Student Achiever Account.

1_{Electronic debit transactions include the following:}

Local debit or cheque card purchases/cashback, electronic account payments and electronic inter-account transfers.

Transaction type Card replacement debit card (magstripe) debit card (EMV/chip) cheque card (EMV/chip)

R50,00 R125,00 R125,00 Declined ATM cash withdrawals

at Standard Bank ATM at another bank’s ATM

R2,50 R4,70

Dishonoured or unpaid item R115,00

PIN re-set ATM Free

PIN re-set Branch R3,50

Point of sale decline due to insufficient funds R7,00

Student Achiever Pricing for 2015

As a student, you live life to the full and need a bank account that matches your hectic lifestyle. That is why Standard Bank designed a transactional account specifically to meet the banking needs of scholars and tertiary students between the ages of 16 and 23 years, making banking more flexible and more affordable for you!

Student Achiever:

What do you get FREE per month?

• No monthly management fee

• Your first eight electronic debit transactions1

• Two Standard Bank ATM cash withdrawals • Your first two ATM cash deposits • MyUpdates (SMS/email notifications) • Unlimited electronic balance enquiries when

using *120*2345#

• Unlimited electronic inter-account transfers to any Savings and Investment account

• Unlimited swipes at retail stores

• Prepaid airtime recharges at any Standard Bank ATM or when using *120*2345#

• Internet and Cellphone Banking subscriptions.

2 _{Prepaid recharges at another bank’s ATMs will attract a fee of R6,70. When}

using another bank’s ATM to draw cash, you will pay the Standard Bank ATM cash withdrawal fee and an additional R6,70. Your first four (sum)1 _{or three Student}

Student Achiever tips on how to manage

your account

The following tips will assist you in banking faster and cheaper – at your convenience:

• Use Internet, Telephone, Cellphone Banking or the Standard Bank Mobile App as an easier and more cost effective way to perform most of the transactions you would do in a branch.

• Recharge prepaid airtime free of charge using Internet, Telephone, Cellphone Banking or the Standard Bank Mobile App.

• In order to avoid paying the branch cash deposit fee, rather try to have deposits paid electronically into your account.

• Use your debit or cheque card to make in-store payments or purchase online with either your cheque or credit card. To make it more affordable to access your funds, your first eight electronic debit transactions1 are free each month. Thereafter the fee is as outlined below.

Student Achiever: Number of electronic debit

transactions

_{per month}

1 – 8 transactions Free

9 or more transactions R25,00

1_{Electronic debit transactions include the following:}

Local debit or cheque card purchases/cashback, electronic account payments and electronic inter-account transfers.

Any transaction not in the electronic debit transaction bundle, will be charged according to Pay-as-you-transact fees.

In the event that you no longer meet the age criterion of your account [(sum)1

or Student Achiever], you will be required to change to another suitable account or you will be charged a monthly management fee of R59,00.

UCount Rewards

Join our rewards programme for just R20 a month and collect rewards points every time you shop with your Standard Bank personal Debit/Cheque or Credit Card. Get up to 10%* back on groceries and up to 1.25%* back on all your other purchases! Visit www.standardbank.co.za/UCount for more info. *Terms and conditions apply.

Move forward with our innovative

payment and banking products!

SnapScan

SnapScan is an innovative app that lets you pay for things with your smartphone. It’s a simple, safe and convenient way to pay. Download* the SnapScan app from your app store or go to www.getsnapscan.com, link your bank card and enjoy unbelievably simple payments. SnapScan can be used with any MasterCard® and Visa credit or cheque cards, as well as selected debit cards, issued by any bank in South Africa.

Tap & go™

Buying small items on the run has just become faster with your MasterCard® contactless card from Standard Bank. Waste no time when you pay for purchases up to R200. All you need to do is tap your card and go. Apply online at www.standardbank.co.za for yours and use it wherever you see the contactless symbol .

MasterPass

Shopping on your computer, tablet or smartphone is easier and more secure with MasterPass™. Download* the app and shop, click and checkout faster online! MasterPass can be used with any MasterCard® and Visa credit or cheque card, as well as selected debit cards, issued by any bank in South Africa. Visit www.standardbank.co.za/masterpass for more info.

InstantMoney®

Send money via your cellphone to anyone in South Africa – quickly and safely! Creating an InstantMoney voucher is as easy as buying airtime – and funds can be sent by anyone, to anyone – even if they don’t have a bank account. Find

Contact details

Lost or stolen cards 0800 020 600

Internet www.standardbank.co.za/studentachiever

Cellphone Banking *120*2345#

Fraud 0800 222 050/+27 11 641 6114

This brochure is not a comprehensive list of our prices. For further information, you can contact us on any of the above.

Prices include VAT and are subject to change.

App for Smartphones or Tablets

You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet, make payments, do transfers, buy prepaid airtime and much more. Download* our revolutionary banking app from your app store or at www.standardbank.co.za/app *Network providers’ standard data charges will apply.

Still bringing you real banking value

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Sharecall number 0860 800 900

Authorised financial services and registered credit provider (NCRCP15) Disclaimer

Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details.