4 This promotional competition starts on 16 August 2014 and ends on 31 December 2014 (dates inclusive). This will be the promotional period.

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1 Terms and conditions: Barclays Premier League Experience: Gold 1 All people entering this promotional competition (the entrants) agree that the competition rules as set out in these terms and conditions are binding on them. A copy of these competition rules is available at 2 The Organiser of this promotional competition is Absa. For purposes of this promotional competition Absa means Absa Bank Limited (registered number 1986/004794/06), all subsidiaries and associates of Absa Bank Limited and the ultimate holding company of Barclays Africa Group Limited, its subsidiaries and associates. 3 The entrant acknowledges that he/she has been given enough time to read these terms and conditions before entering into this competition. The entrant is aware of all the terms printed in bold. Rules of the competition 4 This promotional competition starts on 16 August 2014 and ends on 31 December 2014 (dates inclusive). This will be the promotional period. 5 In order to qualify as an entrant 5.1 the entrant must live in the Republic of South Africa; 5.2 the entrant must provide correct and full personal contact details, as required; 5.3 the entrant must be 18 years and older 6 Method of entry: 6.1 the entrant must open a Gold transaction account with Absa during the promotional period in order for he/she to be automatically entered into the draw to stand a chance to win the prize. 7 Absa, its directors, members, partners, employees, agents or consultants, the suppliers of goods or services and their respective spouses, life partners, business partners or immediate family members are not permitted to participate in this promotional competition. 8 Prize: 8.1 There will be one (1) prize winner. This prize of a Barclays Premier League ( BPL Event ) Experience to the value of R (One hundred and sixty thousand rand only) is for the winner and his/her partner. This experience will be redeemed next year (2015) and the fixture will be pre- selected. The winner will receive all the details relating to the prize.

2 8.2 The prize includes the following: Return economy flights to city destination of pre- selected Barclays Premier League fixture (London, Liverpool or Manchester); nights minimum 4 star accommodation to be booked in the city of pre- selected Barclays Premier League fixture ( London, Liverpool or Manchester); All meals will be included; Point to Point transfers from airport to hotels; Barclays Premier League Club shop voucher to the value of R3000 ( Three thousand rand only); Pre- arranged daily activities in the city of the pre- selected Barclays Premier League fixture (London, Liverpool or Manchester); x grand stand tickets to attend the pre- selected Barclays Premier League fixture ( London, Liverpool or Manchester); Assistance with processing required Visa (s); Day SNT valued at R (One thousand, three hundred and twenty rand); Travel booklet; Absa travel wallet 8.3 The prize mentioned above are intended for 2 (two) people so that the winner may invite a partner to accompany him/her when receiving the prize, however, if the winner elect not to invite a partner to accompany him/her on the applicable prize, he/she shall not be reimbursed for the costs of the partner. Where a prize requires a winner to be situated in a particular country or be able to travel to a particular country, the prize will include economy return flights on an airline of Absa s choice, accommodation and transfers through suppliers of Absa s choice. 8.4 If the winner chooses to take a minor (under the age of 18 years) with to the BPL Event then the winner accepts all liability for the minor and will not hold Absa nor its employees, directors, officers, subcontractors, consultants, agents, or other representatives (in whose favour this constitutes a stipulation on behalf of another) responsible and liable for any loss or damages flowing from any injury to the winner and minor or damage to the winner and minor s property which the winner and minor may sustain or any loss or damages which any other person may sustain flowing from the winner and/or minor s death or disability as a result of any direct or indirect act, omission, default or neglect by Absa or its employees, directors, officers, sub-contractors, consultants, agents, or other representatives whilst attending the Event or transportation to or from (if applicable) to the BPL Event and other places/venues which is provided by Absa. The winner waives any right that he/she may have to claim against Absa or its employees, directors, officers, sub-contractors, consultants, agents, or other representatives in

3 respect of any such loss or damages, howsoever arising and whether as a result of negligence or otherwise, and the winner hereby expressly indemnify and keep them harmless against all such claims. 9 Additional Conditions of entry into BPL stadiums: 9.1 Entry to the BPL stadiums is subject to normal conditions of ticket entry. All tickets are 'home' tickets and the winner and his/her partner must be a home or neutral supporter to attend the match. Away fans are not permitted in the 'home' section of a BPL stadium. The winner is subject to screening by BPL football clubs ( Clubs ) based on his/her conditions of entry and the BPL stadium is not liable if the winner or any person accompanying the winner is refused entry because the winner or partner do not meet these conditions; 9.2 Each ticket is issued by the relevant Club subject to the terms and conditions of entry, which are available from the Club and will be provided to you with your prize. The use of a ticket to enter a Club s stadium constitutes acceptance of that Club s terms and conditions of entry. The ticket shall remain at all times the property of the issuing Club; 9.3 Except mobile phones used for personal and private use only, the winner and his/her partner may not bring into (or use within) the stadium any equipment that is capable of recording or transmitting any audio, visual or audio-visual material or any information or data in relation to a match or any aspect of it; 9.4 The Clubs reserve the right to eject from a stadium any person who fails to comply with applicable terms or conditions of entry; 9.5 If the winner and/or partner are the subject of a current Banning Order under the Football Spectators Act 1989 (as amended), the winner and his/her partner will be refused entry to the competition and to all BPL Club stadiums; and 9.6 If the ticket is obtained or used in breach of the terms or conditions of entry, it will be automatically void. The bearer will be refused entry and, if already in the stadium, will be ejected, in either case without refund. 10 The winner will be randomly chosen from all qualifying entrants by a registered auditor, chartered accountant, registered auditor, admitted attorney, commissioner of oaths or advocate and by means of a lucky draw to take place at the premises of Absa, situated at Barclays Towers West, on 21 January In order to participate in the promotional competition, entrants will be required to attend to the reasonable cost for their entry (this includes but is not limited to postage, entry through internet facilities, short message service (sms), multimedia messaging service (mms) and/or any similar media or device). Such cost will not exceed what is reasonable for the method of entry (i.e postage stamp, normal sms rates and the like).

4 12 The prizewinner will be contacted telephonically on 22 January If the selected winner does not answer his/her landline and/or mobile phone, Absa will leave a message on the prizewinner s landline or mobile phone (if possible). Absa undertakes to try at least three (3) times on three (3) consecutive days to notify the prizewinner. If Absa cannot get hold of the prizewinner telephonically or cannot leave a message telephonically, Absa will send a notice to the contact details (i.e. via sms, or post) provided by the entrant. 13 Absa will deliver the prize to the prizewinner s place or residence or place of employment. 14 When the prizewinner accepts his/her prize, Absa would appreciate the right to identify the winner by taking his/her photograph (at no fee) and publishing this in the relevant media as decided by Absa. Absa does however acknowledge the prizewinner s right to choose not to be identified and may refuse to have his/her photograph taken and published in printed media or to appear on radio and television. 15 If the prizewinner has given his/her written consent, Absa has the right to publish the winner's name and photographs (at no fee) in any advertising, promotional, print, point-of-sale or public relations material. The nature of these publications will be determined at the sole discretion of Absa, for a period of twelve (12) months from the date of the lucky draw. 16 Unless Absa has been clearly negligent or intended to act in a fraudulent manner, Absa is not liable in any way for any direct or indirect loss or damage because of an entrant or prizewinner s participation in the promotional competition. 17 If Absa cannot continue with the promotional competition for any reason beyond its reasonable control or if it is required by any regulatory terms or applicable law, Absa may end or alter the terms of the promotional competition on condition that 17.1 no prizewinner have been determined; and 17.2 reasonable notice has been given beforehand to all entrants. 18 If the promotional competition is ended as set out in 17 above, no entrant will have any claim of any nature whatsoever against Absa, unless Absa has been clearly negligent or intended to act in a fraudulent manner. 19 The prize 19.1 cannot be transferred and will only be handed over to the winner if all details given are factually correct; 19.2 will not be exchanged for cash amounts or for any prize other than the prize offered in this competition;

5 20 Once the prize has been handed over in terms of these rules, the results of the promotion are final in all respects and no correspondence will be allowed. 21 Amendments to the Terms and Conditions: 21.1 Absa is entitled to amend the terms and conditions thereof in so far as same is deemed necessary and such amendments may relate to any aspect of such competition; 21.2 the amendments may include the addition and or deletion of any exiting and or proposed terms and conditions of the competition, which amendments may also affect the identified prize money of such competition; 21.3 the proposed amendments may be effected prior to the starting date of the competition and during the campaign period, which amendments may result in the campaign period being reduced and or extended as deemed necessary.