Choose the pricing option that suits you best

Choose the pricing option that suits you best

Choose the pricing option that suits you best

Back to contents page Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 Choose the pricing option that suits you best 2015 Pricing Guide

Back to contents page Page 2 | Pricing Guide 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. 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 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 There is a R3,95 base fee for the transaction plus a R1,30 fee per R100,00 withdrawn, which means a R500,00 cash withdrawal will cost you R10,45 (R3,95 + 5 x R1,30).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 R49,00 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 into the account. No fees are charged for transactions performed on Absa’s infrastructure. Disclaimer: Fees quoted in this brochure are valid from 15 August 2015.

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 fees and costs to fees and costs that apply to the same and similar business products and services offered to business customers if there is evidence that an individual product or service is used for business purposes, or used in any way that is not allowed by the product terms or conditions. This may also result in customers having to pay additional fees and costs, or even the termination of the product or service.

E&OE Get more. Prosper. 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.

Back to contents page Contents Page 3 | Pricing Guide Basic Banking • Transact 5 Daily Banking • Flexi Account 8 • Flexi Value Bundle 10 Full-value Banking • Gold Current Account – Pay-as-you-transact 11 • Platinum Current Account – Pay-as-you-transact 11 • Gold Value Bundle 14 • Platinum Value Bundle 14 Youth Banking • Mega U 16 Student Banking • Student Silver 19 Seniors Banking • Flexi Account – Seniors offering 20 • Prosperity 23 Islamic Banking • Islamic Youth 24 • Islamic Savings 27 • Islamic Current Account – Value Bundles 30 Savings and Investments • TruSave 32 • Depositor Plus 32 • Club Account 32 • Tax-free Savings 34 • Money Market Fund 36 Credit Cards • Transact Credit, Gold, Titanium, Platinum 38 Home Loans 40 International Banking 41 Other offerings • Prepaid Debit Card 43 • Pay-as-you-transact: 45 Absa Current Account, Student Silver, Prosperity, and Islamic Current Account • OneTouch 48 • Safe custody 49 • Cellphone Banking Lite 49 Frequently asked questions 51

Back to contents page Page 4 | Pricing Guide 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 • Islamic Current Account Pay-as-you-transact OneTouch Standard fee Safe custody Standard fee Cellphone Banking Lite Standard fee

Back to contents page 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.

Page 5 | Pricing Guide Transact Monthly fees Monthly administration fee R4,75 Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge Deposits Cheque deposit: Branch counter R16,00 Cheque deposit: Absa ATM No charge Cash deposit: Branch counter R7,00 + R1,45/R100 Cash deposit: Absa ATM R3,00 + R1,30/R100 Cardless cash deposit: Cash acceptor R5,25 + R1,45/R100 Cash withdrawals Branch counter R40,00 + R1,50/R100 Absa ATM R4,45 Point of sale (POS) R1,15 Absa-supported ATM R4,45 Saswitch ATM/Post Office terminal R7,20 Overseas ATM/POS (1) (5) R50,00 Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) R1,05 POS – local No charge POS – overseas(5) R9,75 + R0,75/R100 (max.

R45) Account payments and funds transfers Account payments • Branch counter • Absa ATM • Internet • Cellphone • Telephone (IVR) • Telephone Adviser-assisted R40,00 R3,00 R1,50 R1,50 R7,50 R14,50

Back to contents page Page 6 | Pricing Guide Transact Account payments and funds transfers Immediate interbank payment • Internet, Cellphone, Telephone (IVR) • Telephone Adviser-assisted R11,00 + R1,30/R100 (max. R65) R18,00 + 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 R40,00 R7,00 CashSend • Absa ATM, Cellphone, Internet R7,99 Balance enquiries Branch counter R3,35 Absa ATM No charge POS No charge Absa-supported ATM No charge Saswitch ATM/Post Office terminal R4,00 Internet, Cellphone, Telephone (IVR) No charge Telephone Adviser-assisted R3,35 Statement fees Absa ATM ministatement R4,00 Absa CAT terminal full statement R8,00 Branch counter full statement R16,00 Mailed statement R16,00 eStatement(2) No charge Transaction history • Enquiry – Internet, Cellphone, Telephone (IVR)(3) • Enquiry – Telephone Adviser-assisted(3) No charge R16,00 Archived statements/Tax certificate – Internet R5,50 per statement Copies of statements (per statement) • Less than 4 months old • 4 months or older R16,00 R40,00 Administration fees Bank cheque R80,00 Stop payments • Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment/amendment fee • Branch, Internet, Telephone Adviser-assisted No charge Special clearance R80,00 Debit Card replacement fee R80,00

Back to contents page Page 7 | Pricing Guide 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 on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za 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. 5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.

Back to contents page Page 8 | Pricing Guide 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 Advisor, Legal Assist, Discounted Doctor’s Network and Missing Assist. Please note that terms and conditions apply. Flexi Account Monthly fees Monthly administration fee R15,00 Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge Deposits Cheque deposit: Branch counter R16,00 Cheque deposit: Absa ATM No charge Cash deposit: Branch counter R7,00 + R1,45/R100 Cash deposit: Absa ATM R3,00 + R1,30/R100 Cardless cash deposit: Cash acceptor R5,25 + R1,45/R100 Cash withdrawals Branch counter R40,00 + R1,50/R100 Absa ATM R3,95 + R1,30/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,30/R100 Saswitch ATM/Post Office terminal R9,95 + R1,30/R100 Overseas ATM/POS (1) (5) R50,00 Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) R1,05 POS – local R2,65 POS – overseas(5) R9,75 + R0,75/R100 (max.

R45) Account payments and funds transfers Account payments • Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted R7,50 R40,00 R14,50 Immediate interbank payment • Internet, Cellphone, Telephone (IVR) • Telephone Adviser-assisted R11,00 + R1,30/R100 (max. R65) R18,00 + R1,30/R100 (max. R65) Debit and stop orders • Internal debit orders • External debit orders • Stop orders No charge R8,00 No charge Funds transfers • Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted No charge R40,00 R7,00 CashSend • Absa ATM, Internet, Cellphone R7,90 + R1,30/R100

Back to contents page Page 9 | Pricing Guide Flexi Account Balance enquiries Branch counter R3,35 Absa ATM R1,50 POS R1,00 Absa-supported ATM R3,35 Saswitch ATM/Post Office terminal R4,00 Overseas ATM/POS R4,00 Internet, Cellphone, Telephone (IVR) No charge Telephone Adviser-assisted R3,35 Statement fees Absa ATM ministatement R4,00 Absa CAT terminal full statement R8,00 Full statement: Branch counter R16,00 Mailed statement R16,00 eStatement(2) No charge Transaction history • Enquiry – Internet, Cellphone, Telephone (IVR)(3) • Enquiry – Telephone Adviser-assisted(3) No charge R16,00 Archived statements/Tax certificate – Internet R5,50 per statement Copies of statements (per statement) • Less than 4 months old • 4 months or older R16,00 R40,00 Administration fees Bank cheque R80,00 Stop payments • Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment/amendment fee • Branch, Internet, Telephone Adviser-assisted No charge Special clearance R80,00 Debit Card replacement fee R80,00 Other fees Notification fee (SMS or email) R0,55 Dishonoured/returned payment R5,00 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) R5,00 Returned cheque deposit R80,00 Notes: 1.

Cash withdrawals performed at Global Alliance partners: R35,00. 2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za 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. 5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.

Back to contents page Page 10 | Pricing Guide 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 Gold Current Account as per pricing table on page 11. Flexi Value Bundle Monthly fees Monthly service fees R49,00 Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge Transactions included Cash withdrawals Absa ATM 3 Debit card purchases and withdrawals • Debit and cheque card purchases • Point-of-sale (POS) cash withdrawals 8 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, Internet and Telephone (IVR) • Balance enquiries – Absa ATM, POS, Internet, Cellphone and Telephone (IVR) Unlimited Notification (SMS or email) No charge eStatement(1) No charge Additional features Funeral plan R3 000 Notes: 1.

Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za 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 R49,00.

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

Back to contents page Page 11 | Pricing Guide 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 R33,00 Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge Deposits Cheque deposit: Branch counter R16,00 Cheque deposit: Absa ATM No charge Cash deposit: Branch counter(FVB) R7,00 + 1,45% of deposit value Cash deposit: Absa ATM R3,00 + R1,30/R100 (or part thereof) Cardless cash deposit: Cash acceptor R5,25 + 1,45% of deposit value Cash withdrawals Branch counter(FVB) R40,00 + R1,50/R100 (max.

R750) Absa ATM R3,95 + R1,30/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,30/R100 Saswitch ATM R9,95 + R1,30/R100 Overseas ATM/POS (1) (7) R50,00 Cheque encashment R40,00 + R1,50/R100 (max. R750) Plus cheque issued fee Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR) R1,05 POS – local R3,85 POS – overseas(7) R9,75 + R0,75/R100 (max. R45) Account payments and funds transfers Account payments • Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter • Telephone Adviser-assisted R7,50 R40,00 R14,50 Immediate interbank payment • Internet, Cellphone, Telephone (IVR) • Telephone Adviser-assisted R11,00 + R1,30/R100 (max.

R65) R18,00 + R1,30/R100 (max. R65) Debit and stop orders • Internal debit orders • External debit orders • Stop orders No charge R15,50 No charge Funds transfers • Absa ATM, Internet, Cellphone, Telephone (IVR) • Branch counter(FVB) • Telephone Adviser-assisted No charge R40,00 R7,00 CashSend • Absa ATM, Internet, Cellphone R7,90 + R1,30/R100 Cheque issued(2) R40,00

Back to contents page Page 12 | Pricing Guide Gold/Platinum Current Account Balance enquiries Branch counter R3,35 Absa ATM R1,50 POS R1,00 Absa-supported ATM R3,35 Saswitch ATM R4,00 Overseas ATM/POS R4,00 Internet, Cellphone, Telephone (IVR) No charge Telephone Adviser-assisted R3,35 Statement fees Absa ATM ministatement R4,00 Absa CAT terminal full statement R8,00 Full statement: Branch counter R16,00 Mailed statement R16,00 eStatement(3) No charge Transaction history • Enquiry – Internet, Cellphone, Telephone (IVR)(4) • Enquiry – Telephone Adviser-assisted(4) No charge R16,00 Archived statements/Tax certificate – Internet R5,50 per statement Copies of statements (per statement) • Less than 4 months old • 4 months or older R16,00 R40,00 Administration fees Bank cheque/marked cheque R80,00 Stop payments • Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment/amendment fee • Branch, Internet, Telephone Adviser-assisted No charge Special clearance R80,00 Debit Card replacement fee R80,00 Cheque Card replacement fee/new card fee R80,00 Other fees Notification fee (SMS or email) R0,55 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 R20,00 R57,00 Dishonoured/returned payment(5) R60,00 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

Back to contents page Page 13 | Pricing Guide Gold/Platinum Current Account Other fees Declined fee (insufficient funds)(6) R5,00 Returned cheque deposit R80,00 Notes: (FVB) A R5,00 premium will apply to these transactions for Flexi Value Bundle customers. 1. Cash withdrawals performed at Global Alliance partners: R35,00. 2. Only applicable to accounts that allow cheques to be issued. 3. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za 4.

An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 5. Increasing to R138,00 per transaction from the 4th occurrence within 12 months. Cheques that are unpaid will be levied a flat fee of R138,00 from the first occurrence.

6. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. 7. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.