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1 Choose the pricing option that suits you best 2014 Pricing Guide Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

2 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 R 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 There is a R3,95 base fee for the transaction plus a R1,25 fee per R100,00 withdrawn, which means a R500,00 cash withdrawal will cost you R10,20 (R3, x R1,25). 7 pricing options at a glance To get the most out of your banking, choose the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, re-look 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 per month for a set number of transactions as part of your Value Bundle. Unused transactions roll over to the next month. Various value-adds are included. 3. Rebate Banking Rebate Banking is a fee refund; it means you get all or part of a fee paid back to you as cash. You will not pay banking fees on certain transactions if you keep a set minimum balance in your account throughout the month. 4. Management Fee This fee option allows you to perform a basket of transactions for a fixed monthly fee. 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 ve used all your set transactions you re charged a single fee per selected transaction and no out-of-bundle penalty fees. 6. Package Fee With our Current Account Package pricing options, you receive a fixed number of transactions free of charge for a fixed monthly fee. A Standard Fee per transaction applies for transactions performed in excess of your transaction bundle. Absa Current Account Package pricing options offer you the added benefit of a Credit Card with no monthly fee. 7. 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 16 August 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 clients, to change the fees and costs to fees and costs that apply to the same and similar business products and services offered to business clients 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 clients having to pay additional fees and costs, or even the termination of the product or service. E&OE Page 2 Pricing Guide

3 Contents 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 Rebate Banking 20 Prosperity 23 Islamic Banking Islamic Youth 24 Islamic Savings 27 Islamic Cheque Value Bundles 30 Savings and Investments TruSave 32 Depositor Plus 32 Club Account 32 Money Market Fund 34 Credit Cards Transact Credit, Gold, Titanium, Platinum 36 Home Loans 38 International Banking 39 Off-sale products Transactional ActiveSave 50 Sekulula 53 Current Accounts Standard fee or Pay-as-you-transact FlexiSelect, Silver, Potentiate and Gold Senior 55 Packages Silver, Gold and Platinum 58 Rebate Banking Silver, Gold, Platinum, FlexiSelect, 59 Gold Senior and Islamic Cheque Management Fee Silver, Gold, Platinum, Platinum Professional, 60 Platinum Medical, 24/7, Islamic Cheque, Prosperity and Potentiate EasyFee FlexiSelect, Silver, Gold, Platinum, 61 Islamic Cheque and Potentiate Bundles Silver Value Bundle 62 Potentiate Bundle 63 Family Banking Shared Account 64 Savings and Investments Investment Advantage 65 MoneyBuilder 67 Credit Cards Electronic and Silver Credit Cards 69 Frequently asked questions 71 Other offerings Prepaid Debit Card 41 Mzansi 43 Pay-as-you-transact: 45 Absa Current Account, Student Silver, Prosperity, Islamic Cheque and Shared Account OneTouch 48 Safe custody 49 Page 3 Pricing Guide

4 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 Management Fee Seniors Banking Prosperity Rebate Banking Islamic Banking Savings and Investments Credit Card Home Loans International Banking Other offerings Islamic Youth Islamic Savings Pay-as-you-transact Pay-as-you-transact Islamic Cheque Pay-as-you-transact Value Bundle TruSave Depositor Plus Club Account Money Market Fund Prepaid Debit Card Mzansi Current Accounts: Absa Current Account Student Silver Prosperity Islamic Cheque OneTouch Safe custody Pay-as-you-transact Pay-as-you-transact Pay-as-you-transact Pay-as-you-transact Standard Fee Standard Fee Standard Fee Prepaid Pay-as-you-transact Pay-as-you-transact Standard Fee Standard Fee Off-sale products Pricing plans Standard Fee Packages Rebate Banking Management Fee EasyFee Bundles Shared Account Standard Fee Product offerings ActiveSave, Sekulula FlexiSelect, Silver, Potentiate and Gold Senior Silver, Gold and Platinum Silver, Gold, Platinum, FlexiSelect, Gold Senior and Islamic Cheque Silver, Gold, Platinum, Platinum Professional, Platinum Medical, Islamic Account, Potentiate and Prosperity FlexiSelect, Silver, Gold, Platinum, Islamic Cheque and Potentiate Silver Value Bundle, Potentiate Bundle and Shared Account Pay-As-You-Transact Savings and Investments: Investment Advantage MoneyBuilder Credit Cards: Electronic and Silver Credit Cards Page 4 Pricing Guide

5 Basic Banking Transact A card-based account that gives 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 clients can apply for an Absa ATM 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 R4,50 Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 Cardless cash deposit R5,25 + R1,25/R100 Cash withdrawals Branch counter R33,00 + R1,40/R100 Absa ATM R4,20 Point of sale (POS) R1,00 Absa-supported ATM R4,20 Saswitch ATM / Post Office terminal R7,00 Overseas ATM / POS (1) R50,00 Purchases Prepaid-top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local POS overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments Internet (2) Cellphone (2) Telephone IVR R33,00 R3,00 R1,50 R1,50 R7,50 R14,50 Page 5 Pricing Guide

6 Transact Account payments and funds transfers Immediate interbank payment Internet, Cellphone, Telephone IVR Debit and stop orders Internal debit orders External debit orders R3,00 Stop orders Funds transfers, Internet, Cellphone, Telephone IVR R33,00 R7,00 CashSend, Cellphone Internet Balance enquiries Branch counter R2,45 Absa ATM POS Absa-supported ATM Saswitch ATM / Post Office terminal R3,35 Internet, Cellphone, Telephone IVR Telephone Adviser-assisted R2,45 Statement fees Absa ATM ministatement R2,50 Absa CAT terminal full statement R5,00 Branch counter full statement R14,00 Mailed statement R14,00 estatement (3) Transaction history Enquiry Internet, Cellphone, Telephone IVR (4) Enquiry Telephone Adviser-assisted (4) Cellphone SMS Fax Archived statements / Tax certificate Internet Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R7,99 R7,90 + R1,25/R100 R14,00 R0,75 R0,75 R3,00 R5,50 per statement R14,00 R34,00 Bank cheque R75,00 Stop payments Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment / amendment fee Branch, Internet, Telephone Adviser-assisted Special clearance R75,00 Debit Card replacement fee R60,00 Page 6 Pricing Guide

7 Transact Other fees Notification fee (SMS or ) R0,50 Dishonoured / Returned payment Notice of payment (Internet, Cellphone, Telephone) SMS Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM / Post Office / Overseas ATM POS Returned cheque deposit Notes: 1. Effective 1 May 2014, cash withdrawals performed at Global Alliance partners: R35, Effective 1 August 2014, account payments via Internet or Cellphone Banking: R1, Clients 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 4. An additional fee of R2,00 is applicable if request is ed or R6,50 for fax. Page 7 Pricing Guide

8 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 clients who earn a regular monthly income. Key benefits associated with this account include free funeral cover for clients 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 R14,00 Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 Cardless cash deposit R5,25 + R1,25/R100 Cash withdrawals Branch counter R33,00 + R1,40/R100 Absa ATM R3,95 + R1,25/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM / Post Office terminal R9,95 + R1,25/R100 Overseas ATM / POS (1) R50,00 Purchases Prepaid-top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local R2,65 POS overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments, Internet, Cellphone, Telephone IVR Immediate interbank payment Internet, Cellphone, Telephone IVR Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers, Internet, Cellphone, Telephone IVR CashSend, Internet, Cellphone R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R7,50 R33,00 R7,00 R7,90 + R1,25/R100 Page 8 Pricing Guide

9 Flexi Account Balance enquiries Branch counter R2,45 Absa ATM R1,50 (first 2 free pm) POS R1,00 Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35 Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR Telephone Adviser-assisted R2,45 Statement fees Absa ATM ministatement R2,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 estatement (2) Transaction history Enquiry Internet, Cellphone, Telephone IVR (3) Enquiry Telephone Adviser-assisted (3) Cellphone SMS Fax Archived statements / Tax certificate Internet Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R14,00 R0,75 R0,75 R3,00 R5,50 per statement R14,00 R34,00 Bank cheque R75,00 Stop payments Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment / amendment fee Branch, Internet, Telephone Adviser-assisted Special clearance R75,00 Debit card replacement fee R60,00 Other fees Notification fee (SMS or ) R0,50 Dishonoured / returned payment R5,00 Notice of payment (internet, Cellphone, Telephone) SMS Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) R2,50 Absa-supported ATM R3,00 Saswitch ATM / Post Office / Overseas ATM R4,00 POS R2,00 Returned cheque deposit R75,00 Notes: 1. Effective 1 May 2014, cash withdrawals performed at Global Alliance partners: R35, Clients 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 3. An additional fee of R2,00 is applicable if request is ed or R6,50 for fax. Page 9 Pricing Guide

10 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. Unutilised transactions for the current month will be added to the next month s transaction limits. Key benefits associated with this account include free funeral cover for clients 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 Value Bundle Monthly fees Monthly service fees R49,00 Monthly subscription fees Internet, Cellphone, Telephone Banking Transactions included Cash withdrawals Absa ATM 3 Debit card purchases and withdrawals 8 POS purchases POS cash withdrawals Electronic account and beneficiary payments 11 Account payments via Absa ATM, Internet, Cellphone, Telephone IVR External debit orders Funds Transfers and Internal Payments Unlimited Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR Internal debit orders Stop orders Electronic information enquiries Unlimited Statement Absa ATM, Internet and Telephone IVR Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone IVR Notification (SMS or ) estatement (1) Roll-over of unutilised transactions (2) 1 month Additional Features Funeral plan R3 000 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. Notes: 1. Clients 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 absa.co.za 2. Unutilised transactions for the current month will be added to the next month s transaction limits (i.e. client who only uses 2 ATM withdrawals will have 4 ATM transactions in the subsequent month). 3. 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, and SMS) CashSend Tax certificates Stop payments of cheques and debit orders Page 10 Pricing Guide

11 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 Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter (FVB) R6,20 + 1,35% of deposit value Cash deposit: Absa ATM R3,00 + R1,25/R100 Cardless cash deposit R5,25 + 1,25% of deposit value Cash withdrawals Branch counter (FVB) R33,00 + R1,40/R100 (max. R500) Absa ATM R3,95 + R1,25/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM / POS (1) R50,00 Cheque encashment R33,00 + R1,40/R100 + cheque issued Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local R3,85 POS overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments, Internet, Cellphone, Telephone IVR Immediate interbank payment Internet, Cellphone, Telephone IVR Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers, Internet, Cellphone, Telephone IVR (FVB) CashSend, Internet, Cellphone R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R15,00 R33,00 R7,00 R7,90 + R1,25/R100 Cheque issued (2) R33,00 Page 11 Pricing Guide

12 Gold / Platinum Current Account Balance enquiries Branch counter R2,45 Absa ATM R1,00 POS R1,00 Absa-supported ATM R2,95 Saswitch ATM R3,35 Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR Telephone Adviser-assisted R2,45 Statement fees Absa ATM ministatement R2,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 estatement (3) Transaction history Enquiry Internet, Cellphone, Telephone IVR (4) Enquiry Telephone Adviser-assisted (4) Cellphone SMS Fax Archived statements / Tax certificate Internet Copies of statements (per statement) Less than 4 months old 4 months or older R14,00 R0,75 R0,75 R3,00 R5,50 per statement R14,00 R34,00 Administration fees Bank cheque / marked cheque R75,00 Stop payments Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment / amendment fee Branch, Internet, Telephone Adviser-assisted Special clearance R75,00 Debit Card replacement fee R60,00 Cheque Card replacement fee / new card fee R70,00 Other fees Notification fee (SMS or ) R0,50 Overdraft ledger fee (pm) For the overdraft provision on your account: - Overdraft of R250 - Overdraft over R250 If your account goes into unauthorised overdraft / excess R18,00 R57,00 Dishonoured / returned payment or RD cheque (5) R60,00 Notice of payment (Internet, Cellphone, Telephone) SMS Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Page 12 Pricing Guide

13 Gold / Platinum Current Account Other fees Declined fee (insufficient funds) R2,50 Absa-supported ATM R3,00 Saswitch ATM / Post Office / Overseas ATM R4,00 POS R2,00 Returned cheque deposit R75,00 Notes: (FVB) A R5,00 premium will apply to these transactions for Flexi Value Bundle clients. 1. Effective 1 May 2014, cash withdrawals performed at Global Alliance partners: R35,00 2. Only applicable to accounts that allow cheques to be issued. 3. Clients 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 4. An additional fee of R2,00 is applicable if request is ed or R6,50 for fax. 5. Increasing to R138,00 per transaction from the 4 th occurrence within 12 months. Page 13 Pricing Guide

14 Gold / Platinum Value Bundles With the Value Bundle pricing option we offer you a selection of transactions free of charge for a low monthly fee. When you ve used all the free transactions in your bundle, you will only pay Pay-as-you-transact fees per transaction as per pricing table on page 11. Unused transactions as allocated in your Value Bundle will roll over for one month if not used. You can get up to 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. Your Value Bundle includes monthly cash back into your account if you have a Home Loan / Credit Card or Vehicle Finance with Absa depending on the Value Bundle you are on. You get free subscriptions to NotifyMe, Internet Banking, Telephone Banking and Cellphone Banking. Gold Value Bundle Monthly fees Monthly service fees R98,00 R149,00 Discounted monthly service fee: For maintaining a balance of: - more than R = 10% discount; or - more than R = 20% discount; or - more than R = 50% discount R88,20 R78,40 R49,00 Platinum Value Bundle R134,10 R119,20 R74,50 Monthly subscription fees Internet, Cellphone, Telephone Banking Priority Pass monthly fee (optional) (1) R59,00 Transactions included Absa ATM cash deposits 5 5 Cash deposit Absa ATM Cash deposit cash acceptor Cardless cash deposit at cash acceptor Absa ATM cash withdrawals 6 8 Cash withdrawals Absa ATM Debit Card purchases and withdrawals Unlimited Unlimited Debit and Cheque Card purchases Point-of-sale cash withdrawals Electronic account and beneficiary payments Unlimited Unlimited Account payments via Absa ATM, Internet, Cellphone, Telephone (IVR) External debit orders External stop orders Funds transfers and internal payments Unlimited Unlimited Funds transfers via Absa ATM, Internet, Cellphone, Telephone (IVR) Internal debit orders Internal stop orders Electronic information enquiries Unlimited Unlimited Statement Absa ATM, Internet and Telephone (IVR) Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone (IVR) Notification fee (SMS or ) estatement (2) Roll-over of unutilised transactions (3) 1 month 1 month Take Me Home service 6 pa 8 pa Page 14 Pricing Guide

15 Gold Value Bundle Platinum Value Bundle Cross-product benefits Cash back for your Credit Card R19,00 R41,00 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 R R 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 Account as per pricing table on page 11. Notes: 1. The first five visits per annum via Priority Pass are included in the monthly fee. Visits in excess of five will be charged at $33,00 per visit at the exchange rate on the day of billing. Visit for information on participating lounges. Please remember to keep a personal record of your visits so you know when your free visits have been used as statements are not provided. A fee of R60,00 will apply to Priority Pass card replacements. Priority Pass is for international and domestic lounge access. 2. Clients 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 3. Unutilised transactions for the current month will be added to the next month s transaction limits (i.e. client who only uses 2 ATM withdrawals will have 8 ATM transactions in the subsequent month on a Gold Value Bundle). 4. Joint home loans and home loans under the Usury Act are excluded. 5. 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, and SMS) CashSend Tax certificates Stop payments of cheques or debit orders Page 15 Pricing Guide

16 Youth Banking Mega U Mega U account is the ideal account to get you started with a bank account. You need to be younger than 18 years of age to qualify for these accounts. With this account you have the benefit of free debit card purchases, free SMS and notifications, free Absa ATM balance enquiries and no monthly fee. Youth clients who bank smartly can bank free of charge. Mega U Monthly fees Monthly administration fee Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter if deposit is less than R500. R6,20 + R1,35/R100 of full deposit if deposit is greater than or equal to R500. Cash deposit: Absa ATM First R500 at no charge, thereafter R1,25 per R100 Cardless cash deposit First R500 at no charge, thereafter R1,25 per R100 Cash withdrawals Branch counter R33,00 + R1,40/R100 Absa ATM R4,20 Point of sale (POS) R3,95 Absa-supported ATM R7,00 Saswitch ATM / Post Office terminal R7,00 Overseas ATM / POS (1) R50,00 Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local POS overseas R45,00 Account payments and funds transfers Account payments, Internet, Cellphone, Telephone IVR Immediate interbank payment Internet, Cellphone, Telephone IVR R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) Page 16 Pricing Guide

17 Mega U Account payments and funds transfers Debit and stop orders Internal debit orders External debit orders R7,50 Stop orders Funds transfers, Internet, Cellphone, Telephone IVR R33,00 R7,00 CashSend R7,99 Internet, Cellphone R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45 Absa ATM POS R1,00 Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35 Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR Telephone Adviser-assisted R2,45 Statement fees Absa ATM ministatement R1,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 estatement (2) Transaction history Enquiry Internet, Cellphone, Telephone IVR (3) Enquiry Telephone Adviser-assisted (3) Cellphone SMS Fax Archived statements / Tax certificate Internet Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R14,00 R0,75 R0,75 R3,00 R5,50 per statement R14,00 R34,00 Bank cheque R75,00 Stop payments Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment / amendment fee Branch, Internet, Telephone Adviser-assisted Special clearance R75,00 Debit Card replacement fee R60,00 Page 17 Pricing Guide

18 Mega U Other fees Notification fee (SMS or ) Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) R2,50 Absa-supported ATM R3,00 Saswitch ATM / Post Office / Overseas ATM R4,00 POS R2,00 Returned cheque deposit R75,00 Notes: 1. Effective 1 May 2014, cash withdrawals performed at Global Alliance partners: R35, Clients 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 3. An additional fee of R2,00 is applicable if request is ed or R6,50 for fax. Page 18 Pricing Guide

19 Student Banking Student Silver A Student Silver Current Account is the most cost-effective way to bank while you are a student. For as little as R17,00 per month, all your day-to-day banking needs are taken care of. 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 R17,00 per month. Student Silver EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R17,00 Unlimited 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): cash withdrawals cash deposits 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 for 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: 1. Clients 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 Page 19 Pricing Guide

20 Seniors Banking Flexi Account Seniors Rebate Banking Flexi Account (Seniors) Pricing options Seniors Rebate Banking (1) minimum balance R5 000 Monthly fees Monthly administration fee R14,00 Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 Cardless cash deposit R5,25 + R1,25/R100 Cash withdrawals Branch counter R33,00 + R1,40/R100 Absa ATM R3,95 + R1,25/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM / Post Office terminal R9,95 + R1,25/R100 Overseas ATM / POS (2) R50,00 Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local R2,65 POS overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments Internet, Cellphone, Telephone IVR Immediate interbank payment Internet, Cellphone, Telephone IVR Debit and stop orders Internal debit orders External debit orders Stop orders R7,50 R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R7,50 Page 20 Pricing Guide

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