BUILDING A BETTER LIFE

MAKE BUILDING A BETTER LIFE HAPPEN For more information: visit any Nedbank branch and speak to a friendly consultant; use SMS banking dial *120*001#; call 0860 555 111; or go to nedbank.co.za.

CONTENTS Be more clever with your money. 3000303 (12/15) - NEDB008264

02 We all want a better life for our families and our communities. Nedbank wants to help you be more clever with your money to ensure that you can start building a better life today. Visit any Nedbank branch or Nedbank kiosk in selected Boxer and Pick n Pay stores and talk to a friendly and trustworthy adviser, who will help you be more clever with your money. Day-to-day banking...3 Nedbank Ke Yona Bundle Account...3 Nedbank Ke Yona Plus Account...3 Nedbank Ke Yona Pay-as-you-use Account...3 Save...5 JustSave Account...5 Club Account...5 Invest...7 Short-term investments...7 Medium-term investments...7 Long-term investments...7 Borrow...9 Nedbank Ke Yona Credit Card...9 Personal loan...9 Home loan...9 Insure...11 Funeral Plan...11 Funeral Plan Plus...11 Bank securely, anytime, anywhere...13 Online and mobile banking...13 Other self-service banking channels...13 Complaint resolution and the National Credit Act...14

DAY-TO-DAY BANKING PRODUCT CHOOSE THE RIGHT ACCOUNT WHAT YOU GET INCLUDED NEDBANK KE YONA BUNDLE ACCOUNT NEDBANK KE YONA PLUS ACCOUNT Pay R50 per month for great-value banking. If you need a full transactional account with access to digital channels, this account is right for you. Pay R5 per month and then pay only for the transactions you make. This is a value bank account for those who perform a few transactions in a month. Your first eight Nedbank transactions. (Thereafter, pay-as-you-use charges and fees apply.) R2 000 funeral cover. Unlimited enote SMS notifications if activated. estatements. Access to all digital channels SMS Banking *120*001#, Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite and internet banking (nedbank.co.za). Free access to MyFinancialLife, an online budgeting tool that lets you track your income, fees and expenses. Go to MyFinancialLife.co.za for more information. A debit card, which you can swipe at tillpoints to pay for goods or use to draw cash from the ATM. R2 000 funeral cover. enote SMS notifications. Access to all digital channels SMS Banking *120*001#, Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite and internet banking (nedbank.co.za). A debit card, which you can swipe at tillpoints to pay for goods for free or use to draw cash from the ATM. NEDBANK KE YONA PAY-AS-YOU-USE ACCOUNT The zero-fee account, for which you pay no monthly fees. This is a simple account for those who perform very few transactions in a month. Access to all digital channels SMS Banking *120*001#, Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite and internet banking (nedbank.co.za). A debit card, which you can swipe at tillpoints to pay for goods or use to draw cash from the ATM. SMS notifications (enote). Visit any Nedbank branch or Nedbank kiosk in selected Pick n Pay or in Boxer stores, or call 0860 555 111. Terms and conditions apply.

04 WHY THIS ACCOUNT IS RIGHT FOR YOU WHAT YOU NEED TO OPEN AN ACCOUNT You pay a fixed fee for up to eight transactions a month. You can manage your finances and lifestyle using any of our digital channels: - Buy prepaid electricity, airtime and SMS and data bundles. - Activate and maintain your enotes to keep track of your transactions. - View your balance and pay your accounts. You can buy prepaid electricity, airtime and SMS and data bundles from your cellphone by dialling *120*001#. You can buy airtime even when you ve run out of airtime by dialling *130*001# on your cellphone. You can use your debit card to pay for shopping, which is free, and to withdraw money at tillpoints at Pick n Pay and Boxer stores. You can send money to anyone with a cellphone through Nedbank Send-iMali TM by dialling *120*001#. You pay transaction fees only when you use your account. You can buy prepaid electricity, airtime and SMS and data bundles from your cellphone by dialling *120*001#. You can buy airtime even when you ve run out of airtime by dialling *130*001#. You can use your debit card to pay for shopping, which is free, and to withdraw money at tillpoints at Pick n Pay and Boxer stores. You can send money to anyone with a cellphone through Nedbank Send-iMali TM by dialling *120*001#. Your green South African identity document or smart identity card or a valid passport and work permit. Proof of residence, eg your electricity, water or phone account (not older than three months). An opening deposit of R50. No proof of income is required. There are no credit checks. Your green South African identity document or smart identity card or a valid passport and work permit. An opening deposit of at least R20. No proof of income required. There are no credit checks. You pay transaction fees only when you use your account. You can buy prepaid electricity, airtime and SMS and data bundles from your cellphone by dialling *120*001#. You can buy airtime even when you ve run out of airtime by dialling *130*001#. You can use your debit card to pay for shopping, which is free, and to withdraw money at tillpoints at selected Pick n Pay and Boxer stores. You can send money to anyone with a cellphone through Nedbank Send-iMali TM by dialling *120*001#. Your green South African identity document or smart identity card or a valid passport and work permit. No proof of residence required. An opening deposit of at least R20. There are no credit checks. Visit any Nedbank branch or Nedbank kiosk in selected Pick n Pay or in Boxer stores, or call 0860 555 111.

05 SAVE For the things you need JUSTSAVE ACCOUNT CLUB ACCOUNT What you get Rewards for saving. You get an extra R2 per month (if you set up a weekly or monthly debit order on your Nedbank Ke Yona Pay-as-you-use Account). A savings account with a great interest rate. Guaranteed savings. What you get You pay no fees on your account. The more money you have in your account, the more interest you earn. The number of members on group savings are unlimited. You can withdraw as you like. Why this account is right for you You can get access to your money by giving us a minimum of 24 hours notice. Four free cash deposits per month that collectively do not exceed R5 000. Why this account is right for you It s a great savings option for group savings, eg stokvels, societies and clubs. What you need to open a JustSave Account An opening deposit of at least R50. Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account (not older than three months). What you need to open a Club Account A minimum opening deposit of R100. Your green South African identity document or smart identity card and proof of residence for the three nominated signatories. Visit any Nedbank branch or Nedbank Inretailer outlet to find out more. Or visit nedbank.co.za today. TIP: A savings account is a great way to put money away for special occasions or for when you need cash in an emergency. Terms and conditions apply.

07 INVEST Make peace of mind happen JUSTINVEST ACCOUNT 32DAY NOTICE ACCOUNT EASYACCESS DEPOSIT GREEN SAVINGS BOND Short-term investments Short-term investments Medium-term investments Long-term investments What you get You pay no fees, except certain cash deposit fees. You enjoy a highly competitive interest rate. Additional deposits of R500 or more can be made and will earn you more interest. Withdrawals of R500 or more can be made at any time. Interest is calculated daily and paid monthly. What you get An attractive, secure method of saving funds. Great interest rates rates are tiered so that larger credit balances attract higher rates. What you get No fees are charged. You enjoy great interest rates for investment terms of your choice. Your returns are guaranteed. Your investment is secure. What you get No fees are charged. Your returns are guaranteed. You earn great interest rates. Your money is secure. Clients of 60 years and older receive better interest rates. Interest is calculated daily and paid monthly, quarterly, half-yearly, annually or on maturity. How to access your funds You get access to your money on a minimum of 24 hours notice. How to access your funds You must give us only 32 days notice for a full or partial withdrawal. How to access your funds You get access to 50% of your money on a minimum of 24 hours notice. How to access your funds You get a guaranteed monthly income. Investment term Not applicable. Investment term Not applicable. Investment term The term of the investment ranges from three to 18 months. Investment term The term of the investment ranges from 18 to 60 months. What you need to open a JustInvest Account Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account (not older than three months). An opening deposit of at least R5 000. What you need to open a 32Day Notice Account An opening deposit of only R250. Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account (not older than three months). Nedbank clients with an internet profile can open this account online. What you need to open an EasyAccess Deposit Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account (not older than three months). An opening deposit of at least R2 000. What you need to open a Nedbank Green Savings Bond Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account (not older than three months). An opening deposit of at least R1 000. Apply for your 32Day Notice Account at your nearest Nedbank branch or speak to a consultant at our contact centre on 0860 555 111 for more information. Visit any Nedbank today or go to nedbank.co.za. Terms and conditions apply.

REMEMBER: Interest rates are calculated daily and may change according to market conditions.

BORROW PRODUCT TYPE OF CREDIT WHAT YOU GET NEDBANK CREDIT CARD Credit when you need it most. You enjoy up to 55 days interest-free credit. You can access a revolving credit facility. You can use your card at all ATMs and any store displaying the MasterCard logo. You pay no fees when you swipe your card. You pay a lower interest rate than with most retail credit instalments. PERSONAL LOAN Get an affordable loan, customised to meet your needs. You can apply for a loan from R1 000. Application is easy, with friendly consultants to assist you. The loan is customised to suit your financial needs. Personalised interest rates are matched to your individual credit profile. The approved loan amount will be deposited directly into your bank account. Flexible repayment terms of 12 to 60 months are available. HOME LOAN When buying a home, there are so many things to consider. It s not easy, so speak to us first. Get an instand indication of the home loan amount you can qualify for in less than three minutes. You can apply online and get bond approval within hours. You get regular updates throughout the process (SMS/email). Nedbank branches are open for longer all through the week, even on Sundays. We will help you through the buying process from start to finish. Terms and conditions apply.

10 WHAT YOU NEED TO OPEN A ACCOUNT A net salary of R2 000 per month. Three months bank statements (if you are not a Nedbank client). Proof of income (payslip). Your green South African identity document or smart identity card or a valid passport and work permit. Proof of residence, eg your electricity, water or phone account (not older than three months). Visit any Nedbank branch or Nedbank kiosk in Pick n Pay or Boxer store. Or call 0860 555 111. (All credit card requests are subject to final credit approval, including certain income source criteria.) Your green South African identity document or smart identity card or a valid passport and work permit. Proof of residence, eg an electricity, a water or a phone account (not older than three months). A net monthly income of at least R2 000. Proof of income (payslip). Your latest bank statement that reflects three months salary deposits. Visit any Nedbank branch or Nedbank kiosk in Pick n Pay or Boxer store. Or call 0860 555 111. Dial *120*5616# to see if you qualify and you can also request us to call you back. (All loan requests are subject to final credit approval, including certain income source criteria.) Your green South African identity document or smart identity card or a valid passport and work permit. Proof of residence, eg your electricity, water or phone account (not older than three months). Proof of income (payslip). Three months bank statements. (A joint income will help with affordability. All loan applications are subject to final credit approval, including certain income source criteria. For a detailed list of documents required visit nedbank.co.za/homeloans.) Visit nedbank co.za/homeloans or any Nedbank branch. Or call 0860 555 111. TIP: To build a good credit record make sure you pay your monthly instalment on time.

11 INSURE FUNERAL PLAN The Nedbank Insurance Funeral Plan provides cover that will ensure that you and your loved ones have the cover for a dignified funeral. What you get Immediate accidental-death cover from the date on which the first premium is received. Cover of up to R10 000 for yourself from R32,50 a month. Cover of up to R50 000 for yourself and your partner/ spouse. Flexible premium payment terms you can pay money into your policy more regularly than once a month. A premium bonus if you pay at least 10 premiums in advance. A no-lapse benefit if you can t make the full monthly payment, as long as you pay a minimum of R20. For a time of loss FUNERAL PLAN PLUS The Nedbank Insurance Funeral Plan Plus provides cover that will ensure that your loved ones have the funds for a dignified funeral. What you get Immediate accidental-death cover from the date on which the first premium is received. Death cover of R5 000 for R19,50 a month. Peace of mind, because you know you can provide adequately for your burial. A tax-free lump sum benefit, which will be paid into your beneficiary s bank account. Cover for life, provided you continue paying your premiums and do not let the policy lapse. A premium refund should you die from natural causes during the waiting period. Why this plan is right for you The Funeral Plan is available to everyone, not only Nedbank accountholders. You can choose the plan that suits you best: You can buy cover for yourself only. You can buy an Immediate Family package, which covers your spouse/partner and up to five children. You can pay an additional premium per person and you can cover up to 29 family members. You can add the Family Supporter benefit, which will give your family an income of between R500 and R2 500 (in multiples of R500) for 3, 6, 9 or 12 months after you pass away. The Nedbank Insurance Funeral Plan provides you with a variety of Value for Life funeral support benefits, such as the transportation of the deceased to a funeral home of your choice within the borders of South Africa. Why this plan is right for you Payment debit dates are flexible to meet your specific needs. No medical or HIV testing is required. The Funeral Plan Plus provides you with a variety of Value for Life benefits that offer your close family access to a variety of services and discounts at no additional cost. These include: Funeral support services. Trauma support services. HIV, legal and health advisory services. Visit any Nedbank branch or call the Nedbank Contact Centre on 0860 555 111. Terms and conditions apply.

TIP: Pay your funeral cover easily by setting up a debit order against your day-to-day bank account.

13 BANK SECURELY ANYTIME, ANYWHERE Nedbank digital banking allows you to manage your finances and lifestyle, anytime, anywhere. Transform the way you bank today. SELF-SERVICE BANKING Build your financial fitness with MyFinancialLife This is a FREE, easy-to-use, secure online tool to manage your finances. Register at myfinanciallife.co.za. SMS Banking You can access Nedbank SMS Banking through your cellphone. You will find the service to be quick, efficient and cost-effective. View your balance, buy airtime and pay your bills. Dial *120*001#. Nedbank App Suite TM The Nedbank App Suite (for smartphone users) is a unique and customisable banking experience. Choose from a selection of convenient and secure tools and NedApps designed to suit your needs. Download it FREE from the Apple store, Google Play, Blackberry World or from Nedbank.mobi for specific Nokia devices. Cellphone Banking WAP It gives you a rich internet-banking-like experience on your cellphone or tablet. Simply access nedbank.mobi from your device s internet browser. Schedule regular topups to recharge your account automatically with our recurring option. Go to nedbank.mobi. Internet banking Take advantage of our comprehensive online banking service, from the comfort of your home or office, in our secure banking environment. Activate enote to keep track of your transactions. Visit nedbank.co.za. Send-iMali TM Need to send money in a hurry? You can now send money to any cellphone in South Africa quickly and safely. The recipient can withdraw the money at any Nedbank ATM, even if he or she doesn t have a bank account. Airtime without Airtime Stay connected. You can now buy airtime even when you don t have airtime. Simply dial *130*001#. Nedbank prepaid electricity or airtime Buy prepaid electricity or airtime at your convenience. Use the Nedbank App or internet banking or dial *120*001#. Self-service terminals (SSTs) These are electronic devices that allow you to do a wide range of banking transactions but they do not accept deposits or dispense cash. They are easy to use, cost-effective and help you to avoid unnecessary queues. Pick n Pay and Boxer tillpoints You can withdraw and deposit money at tillpoints. It s cheaper than at ATMs. My ebills A secure and convenient way to view and pay bills all in one place. DStv and Tshwane, Ekurhuleni and ethekwini muncipalities among those participating. Available on internet and mobile banking. Instant Depositor Cash deposits made at this ATM reflect immediately. Video banking Skip the queue and use video banking. It s a safe and convenient way to interact and do your banking face-to-face with a consultant. Terms and conditions apply.

14 COMPLAINT RESOLUTION AND THE NATIONAL CREDIT ACT COMPLAINT RESOLUTION To ensure that your complaint is resolved speedily and by the correct department please follow the steps below: Talk to your banker or visit your branch. Log a complaint with our Client Complaint Helpdesk (always obtain a reference number): Tel: 0860 444 000 [+27 (0) 11 710 4011] Fax: +27 (0) 10 251 0933 Email: clientfeedback@nedbank.co.za If you are not satisfied, you may contact the Ombudsman for Banking Services: Tel: 0860 662 837 Website: obssa.co.za Please help us improve our service. We want to Make Great Service Happen! You can now also reach us on Facebook and Twitter or visit our Talk To Us link at nedbank.co.za. THE NATIONAL CREDIT ACT There s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matter how carefully we plan to manage it, debt can quickly spiral out of control. That s why Nedbank is proud to support the National Credit Act, 34 of 2005 (NCA). Credit bureau information Under the NCA you have free access to your credit history once a year. This means you ll know exactly what your credit record looks like and can check the accuracy thereof at any time. Debt counselling If you, as a Nedbank client, think you are financially overcommitted, please contact your branch or the Nedbank Contact Centre on 0860 555 111 for an informal debt review. A list of registered debt counsellors is available from the National Credit Regulator s Office on 0860 627 627 or at ncr.org.za.

Make building a better life happen Contact centre 0860 555 111. Visit any one of the 850 Nedbank branches. Visit one of the 190 Nedbank kiosks in Pick n Pay and Boxer stores. SMS Banking dial *120*001#. Airtime without Airtime dial *130*001#. For internet banking and more information go to nedbank.co.za. Cellphone Banking WAP go to nedbank.mobi. Nedbank App Suite TM download it from your app store. Although Nedbank s fees have always been reasonable, the National Credit Act now stipulates the maximum initiation and service fees and interest rates for each type of loan agreement. It also specifies that you may be required, depending on the type of loan agreement, to pay: the cost of any extended-warranty agreement; taxes and licence or registration fees; service, default and collection fees; and credit insurance. Nedbank 135 Rivonia Campus 135 Rivonia Road Sandown Sandton 2196 Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). For more information please go to Nedbank.co.za