Choose the pricing option that suits you best

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

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 There is a R3,95 base fee for the transaction plus a R1,25 fee per R100,00 withdrawn, which means a R500,00 cash withdrawal will cost you R10,20 (R3,95 + 5 x R1,25). 7 pricing options at a glance To get the most out of your banking, choose the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 1 January 2014. 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

Contents Basic Banking Transact 5 Daily Banking Flexi Account 8 Flexi Value Bundle 10 Full-value Banking Gold Curent 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 Family Banking Shared Account 32 Savings and Investments MoneyBuilder 33 Depositor Plus 33 Club Account 33 Money Market Fund 35 Credit Cards Transact Credit, Gold, Titanium, Platinum, Avios 37 Home Loans 39 International Banking 40 Other offerings Prepaid Debit Card 42 Mzansi 44 Pay-as-you-transact: 46 Absa Current Account, Student Silver, Prosperity, Islamic Cheque and Shared Account OneTouch 49 Safe custody 50 Off-sale products Transactional ActiveSave 51 Sekulula 54 Current Accounts Standard fee or Pay-as-you-transact FlexiSelect, Silver, Potentiate and Gold Senior 56 Packages Silver, Gold and Platinum 59 Rebate Banking Silver, Gold, Platinum, FlexiSelect, 60 Gold Senior and Islamic Cheque Management Fee Silver, Gold, Platinum, Platinum Professional, 61 Platinum Medical, 24/7, Islamic Cheque, Prosperity and Potentiate EasyFee FlexiSelect, Silver, Gold, Platinum, 62 Islamic Cheque and Potentiate Bundles Silver Value Bundle 63 Potentiate Bundle 64 Savings and Investments Investment Advantage 65 Credit Cards Electronic and Silver Credit Cards 67 Frequently asked questions 69 Page 3 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 Management Fee Seniors Banking Prosperity Rebate Banking Islamic Banking Islamic Youth Islamic Savings Pay-as-you-transact Pay-as-you-transact Islamic Cheque Pay-as-you-transact Value Bundle Family Banking Shared Account Value Bundle Savings and Investments Credit Card Home Loans International Banking Other offerings MoneyBuilder Depositor Plus Club Account Money Market Fund Prepaid Debit Card Mzansi Current Accounts: Absa Current Account Student Silver Prosperity Islamic Cheque Shared Account 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 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 and Potentiate Bundle Savings and Investments: Investment Advantage Credit Cards: Electronic and Silver Credit Cards Page 4 Pricing Guide

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 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 Cellphone Telephone IVR R33,00 R3,00 R7,50 R3,00 R7,50 R14,50 Page 5 Pricing Guide

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 (1) Transaction history Enquiry Internet, Cellphone, Telephone IVR (2) Enquiry Telephone Adviser-assisted (2) Cellphone SMS Email 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

Transact Other fees Notification fee (SMS or email) R0,50 Dishonoured / Returned payment Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM / Post Office / Overseas ATM POS Returned cheque deposit 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 estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 7 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 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 Doctors 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 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

Flexi Account 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 R1,50 (first 2 free pm) 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 (1) Transaction history Enquiry Internet, Cellphone, Telephone IVR (2) Enquiry Telephone Adviser-assisted (2) Cellphone SMS Email 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 email) R0,50 Dishonoured / returned payment R5,00 Notice of payment (internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. 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 estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 9 Pricing Guide

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 Doctors 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 External stop orders FundsTransfers and Internal Payments Unlimited Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR Internal debit orders Internal 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 email) estatement (1) Roll-over of unutilised transactions (2) 1 month 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 estatementregistration@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, email and SMS) CashSend Tax certificates Stop payments of cheques and debit orders Page 10 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 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 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 (1) R33,00 Page 11 Pricing Guide

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 (2) Transaction history Enquiry Internet, Cellphone, Telephone IVR (3) Enquiry Telephone Adviser-assisted (3) Cellphone SMS Email 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 email) 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 (4) R60,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email Page 12 Pricing Guide

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. Only applicable to accounts that allow cheques to be issued. 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 estatementregistration@absa.co.za 3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 4. Increasing to R138,00 per transaction from the 4 th occurrence within 12 months. Page 13 Pricing Guide

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 R10 000 = 10% discount; or - more than R20 000 = 20% discount; or - more than R30 000 = 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 email) estatement (2) Roll-over of unutilised transactions (3) 1 month 1 month Take Me Home service 6 pa 8 pa Page 14 Pricing Guide

Gold 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% Platinum Value Bundle 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 www.prioritypass.com 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 estatementregistration@absa.co.za 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, email and SMS) CashSend Tax certificates Stop payments of cheques or debit orders Page 15 Pricing Guide

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 email 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 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

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 R2,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 estatement (1) Transaction history Enquiry Internet, Cellphone, Telephone IVR (2) Enquiry Telephone Adviser-assisted (2) Cellphone SMS Email 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

Mega U Other fees Notification fee (SMS or email) Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. 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 estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 18 Pricing Guide

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 46. 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 estatementregistration@absa.co.za Page 19 Pricing Guide

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 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

Flexi Account (Seniors) Account payments and funds transfers Funds transfers Internet, Cellphone, Telephone IVR CashSend Internet, Cellphone R33,00 R7,00 R7,90 + R1,25/R100 R7,90 + R1,25/R100 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 Email 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 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 21 Pricing Guide

Flexi Account (Seniors) Other fees Notification fee (SMS or email) R0,50 Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance (as required on the Rebate Banking pricing option) is maintained throughout the month. This option is only available to our senior clients (aged 55 or over). 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 estatementregistration@absa.co.za 3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 22 Pricing Guide

Prosperity The Prosperity Account is one of the most affordable ways to bank if you are 55 years and older and earn more than R2 000 per month. If you can afford to invest R15 000 or more you have access to the Prosperity Rebate Banking option, where you receive up to R500,00 per month of daily banking transactions free of charge. As a Prosperity client, you also qualify for additional interest rate benefits on a selection of our investment accounts. Tip: With the Rebate option you pay no banking fees on certain transactions if you maintain a set minimum balance in your investment account. All other transactions not included under Rebate Banking will be charged at the Standard Pay-as-you-transact fee pricing as per the pricing table on page 46. Rebate Banking Minimum monthly account balance Maximum rebate amount R500,00 *No minimum balance is needed to be maintained in the account. However, one of the following investments must be maintained with Absa in order to qualify for rebates: 12 month (or longer) fixed deposit 12-18 month bonus deposit Linked rate deposit MoneyBuilder Money Market Fund Investment Advantage Depositor Plus R15 000 R15 000 R15 000 R15 000 R20 000 R20 000 R20 000 In addition to rebates on the current account, Prosperity clients will benefit from a concession on monthly fees and most transactional charges on Internet, Telephone and Cellphone Banking. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and tax certificates. Transactions exempt with Rebate Banking Monthly fees Monthly account fee Deposits Cheque deposit: Branch counter / Absa ATM Cash deposit: Branch counter / Absa ATM Cash withdrawals Branch counter Absa ATM Point of sale (POS) Absa ATM / POS Account payments Account payments Debit orders and stop orders Internal debit orders External debit orders Stop orders CashSend (Absa ATM) Purchases Prepaid top-up: Absa ATM / POS POS local POS overseas Funds transfers Branch counter Absa ATM Balance enquiries Absa ATM Statement fees Absa ATM ministatement Other fees Notification fee (SMS or email Cheque encashment Cheques issued Chequebooks (20, 30, carbon, 40) All other transactions not included in the above list (e.g. Saswitch transactions) will be charged at Pay-as-you-transact fees as applied on current accounts as per pricing table on page 46. Page 23 Pricing Guide

Islamic Banking Islamic Youth An Islamic Youth 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 these accounts you have the benefit of free debit card purchases, free SMS and email notifications, free Absa ATM balance enquiries and no monthly fee. Youth clients who bank smartly can bank free of charge. Islamic Youth 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 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 24 Pricing Guide

Islamic Youth Account payments and funds transfers Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers, Internet, Cellphone, Telephone IVR CashSend Internet, Cellphone Balance enquiries R7,50 R33,00 R7,00 R7,99 R7,90 + R1,25/R100 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 R2,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 estatement (1) Transaction history Enquiry Internet, Cellphone, Telephone IVR (2) Enquiry Telephone Adviser-assisted (2) Cellphone SMS Email 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 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 25 Pricing Guide

Islamic Youth Other fees Notification fee (SMS or email) Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. 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 estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 26 Pricing Guide

Islamic Savings This is a Shari ah compliant transactional savings account that provides you with a pre-agreed profit share payout and a card that you can use to access your funds at any time via ATMs or Absa branches. There is no minimum or maximum investment period. You can do all types of electronic payments and transfer transactions, and if you have R10 000 or more in your account, certain transaction fees will be waived. A minimum initial deposit of R50,00 is required to open the account and a minimum balance of R50,00 must be maintained. Islamic Savings Pricing options Standard Fee Rebate Banking (1) minimum balance R10 000 Monthly fees Monthly administration fee (2) R17,00 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 R50,00 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 payments 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 27 Pricing Guide

Islamic Savings Account payments and funds transfers Funds transfers Internet, Cellphone, Telephone IVR CashSend Internet, Cellphone Balance enquiries R33,00 R7,00 R7,90 + R1,25/R100 R7,90 + R1,25/R100 Branch counter R2,45 Absa ATM R1,00 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 (3) Transaction history Enquiry Internet, Cellphone, Telephone IVR (4) Enquiry Telephone Adviser-assisted (4) Cellphone SMS Email 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 28 Pricing Guide

Islamic Savings Other fees Notification fee (SMS or email) R0,50 Dishonoured / Returned payment (5) R60,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance (as required on the Rebate Banking pricing option) is maintained throughout the month. 2. Clients who maintain more than R2 000 in their account throughout the month, will be exempt from paying a monthly administration fee. 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 estatementregistration@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 4 th occurrence within 12 months. Page 29 Pricing Guide

Islamic Cheque Value Bundles This is a Shari ah compliant cheque product based on a Qard structure, and offers a transactional account vehicle that allows you to have an affordable Silver, Gold or Platinum Value Bundle pricing option. Bank from as little as R89,00 per month with a Value Bundle. With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you ve used all the transactions in your bundle, you will only pay Standard Fees per transaction as per the Pay-as-youtransact pricing table on page 46. 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 Silver, 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 for having a home loan*/credit card*/vehicle finance/personal loan* or micro loan* with Absa, dependent on the Value Bundle you are on. You get subscriptions to NotifyMe, Internet Banking, Cellphone Banking and Telephone Banking as part of your Value Bundle option. Silver Value Bundle Gold Value Bundle Platinum Value Bundle Monthly fees Monthly service fees R89,00 R98,00 R149,00 Discounted monthly service fee: For maintaining a balance of: - more than R10 000 = 10% discount; or - more than R20 000 = 20% discount; or - more than R30 000 = 50% discount R80,10 R71,20 R44,50 R88,20 R78,40 R49,00 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 5 Cash deposit Absa ATM Cash deposit cash acceptor Cardless cash deposit at cash acceptor Absa ATM cash withdrawals 5 6 8 Cash withdrawals Absa ATM Debit Card purchases and withdrawals Unlimited Unlimited Unlimited Debit and Cheque Card purchases Point-of-sale cash withdrawals Electronic account and beneficiary payments Unlimited Unlimited Unlimited Account payments via Absa ATM, Internet, Cellphone, Telephone IVR External debit orders External stop orders Funds transfers and internal payments Unlimited Unlimited Unlimited Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR Internal debit orders Internal stop orders Electronic information enquiries Unlimited Unlimited Unlimited Statement Absa ATM, Internet and Telephone IVR Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone IVR Notification fee (SMS or email) estatement (2) Roll-over of unutilised transactions (3) 1 month 1 month 1 month Page 30 Pricing Guide

Silver Value Bundle Gold Value Bundle Cross-product benefits Cash back for your Credit Card R15,00 R19,00 R41,00 Cash back for your Home Loan (4) R10,00 R15,00 R20,00 Cash back for your Vehicle Finance R0,00 R5,00 R5,00 Cash back for your Personal Loan R5,00 R0,00 R0,00 Additional features Spouse discount 50% 50% 50% Platinum Value Bundle 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 Silver Account as per pricing table on page 56, or 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 www.prioritypass.com 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 estatementregistration@absa.co.za 3. Unutilised transactions for the current month will be added to the next month s transaction limits (i.e. a Gold Value Bundle client who only uses 2 ATM withdrawals will have 8 ATM transactions in the subsequent month). 4. Joint home loans and home loans under the Usury Act are excluded. Note: 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 * Not Shariah compliant. Page 31 Pricing Guide

Family Banking Shared Account The Shared Account is a separate account that provides existing Absa accountholders with an additional account that the members can use to effectively manage payments. The main member and up to 4 (four) additional members can be linked to the Shared Account within which funds are deposited. It provides the individuals with the ability to manage shared expenses like paying for a child s school fees, managing payments for rent or to simply manage debit order payments at no additional cost. Shared Account Monthly fees Monthly service fees Transactions included Absa ATM cash deposits Cash deposit Absa ATM Cash deposit cash acceptor Cardless cash deposit at cash acceptor Absa ATM cash withdrawals Cash withdrawals Absa ATM Debit Card purchases and withdrawals Debit and Cheque Card purchases Point-of-sale cash withdrawals Electronic account and beneficiary payments Account payments via Absa ATM, Internet, Cellphone, Telephone IVR External debit orders External stop orders Funds transfers and internal payments Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR Internal debit orders Internal stop orders Electronic information enquiries Statement Absa ATM, Internet and Telephone IVR Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone IVR Notification fee (SMS or email) estatement (1) Roll-over of unutilised transactions (2) 3 3 Unlimited Unlimited Unlimited Unlimited 1 month 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 current account as per pricing table on page 46. 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 estatementregistration@absa.co.za 2. Unutilised transactions for the current month will be added to the next month s transaction limits (i.e. a Shared Account client who only uses 2 ATM withdrawals will have 4 ATM transactions in the subsequent month) Note: The following Internet, Cellphone and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee): Archived statements Immediate interbank payments Notice of payments (fax, email and SMS) CashSend Tax certificates Stop payments of cheques and debit orders Page 32 Pricing Guide

Savings and Investments Start saving for your future now with our range of savings and investment accounts. Absa Internet Banking clients can conveniently open a range of savings and investment accounts online without going into a branch. Keep your hard-earned savings in a savings or investment account to ensure you maximise your returns and keep control of your savings goals. MoneyBuilder Depositor Plus Club Account Monthly fees Monthly administration fee Deposits Cheque deposit: Branch counter R14,00 R14,00 R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R6,20 + R1,35/R100 R6,20 + R1,35/R100 R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 R3,00 + R1,25/R100 (first 2 ATM cash deposits free pm) Cardless cash deposit R5,25 + R1,25/R100 R5,25 + R1,25/R100 Cash withdrawals Branch counter (1) R33,00 + R1,40/R100 (max. R500) R33,00 + R1,40/R100 (max. R500) R33,00 + R1,40/R100 (max. R500) Absa ATM (1) R6,95 + R1,25/R100 R3,95 + R1,25/R100 (first 2 free pa) Absa-supported ATM R9,95 + R1,25/R100 R6,95 + R1,25/R100 Saswitch ATM R12,95 + R1,25/R100 R9,95 + R1,25/R100 Overseas ATM R50,00 R50,00 Account payments and funds transfers Account payments Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers (1) (1) Balance enquiries R33,00 R33,00 R33,00 R7,50 R33,00 Branch counter (1) R2,45 R2,45 R2,45 Absa ATM (1) R1,00 (first 2 free pm) R1,00 Absa-supported ATM R2,95 R2,95 Saswitch ATM R3,35 R3,35 Statement fees Branch counter full statement (1) R14,00 R14,00 R14,00 Absa ATM ministatement (1) R2,50 (first 2 free pm) R2,50 Absa CAT terminal full statement (1) R5,00 R5,00 Mailed statement R14,00 R14,00 estatement (2) Page 33 Pricing Guide

MoneyBuilder Depositor Plus Club Account Administration fees Bank cheque (1) R75,00 R75,00 R75,00 Stop payment instruction R30,00 R30,00 R30,00 Special clearance R75,00 Debit Card replacement fee Other fees Notification fee (SMS or email) R0,50 Dishonoured / returned payment (3) R36,00 Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM POS R2,50 R3,00 R4,00 R2,50 R3,00 R4,00 Returned cheque deposit R75,00 R75,00 R75,00 Notes: 1. For MoneyBuilder only: Provided a minimum balance of R100 000 is maintained in the account at all times, the transactions indicated will be exempt from standard charges. 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 estatementregistration@absa.co.za 3. Increasing to R50,00 per transaction from the 4 th occurrence within 12 months. Page 34 Pricing Guide

Money Market Fund Money Market Fund Monthly fees Monthly administration fee Commission All credits into account except for counter cash deposits 0,40% Deposits Cheque deposit: Branch counter Commission applicable Cheque deposit: Absa ATM Commission applicable Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM Commission applicable Cardless cash deposit Commission applicable Cash withdrawals Branch counter (1) Absa ATM (1) Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM R50,00 Account payments and funds transfers Account payments Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Balance enquiries Branch counter Absa ATM Absa-supported ATM R2,95 Saswitch ATM R3,35 Statement fees Branch counter full statement Absa ATM ministatement Absa CAT terminal full statement Mailed statement estatement (2) Administration fees Bank cheque (1) R75,00 Stop payment instruction R30,00 Special clearance Debit Card replacement fee R60,00 Page 35 Pricing Guide

Money Market Fund Other fees Notification fee (SMS or email) Dishonoured / returned payment Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM POS Returned cheque deposit R75,00 Notes: 1. Provided a minimum balance of R100 000 is maintained in the account at all times the transactions indicated will be exempt from standard charges. 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 estatementregistration@absa.co.za Page 36 Pricing Guide

Credit Cards When used wisely, your Credit Card is actually cheaper to use than a Debit Card, as most of your purchase transactions are free. It s also smarter to use your Credit Card instead of using cash and here s why: You get up to 57 interest-free days on purchases, excluding cash withdrawals, casino transactions, Internet Banking transfers, fuel purchases and budget plan purchases. This applies if all outstanding balances on the Credit Card account were fully paid by the due dates. Cash and Garage Card transactions are not included in the interest-free period, as interest is charged from the date of transaction. Terms and conditions apply. Avoid paying cash deposit fees when you transfer payments to your Credit Card using electronic channels (Internet, Cellphone or ATM). Tip: Use your Credit Card for fuel purchases, as no transaction fees are charged when making fuel purchases with a Credit Card. Card type Transact Credit Gold Titanium Platinum Avios (4) Credit Card R50,00 pm R21,00 pm R35,00 pm R46,50 pm R35,00 pm Affinity Card R21,00 pm Garage Card R16,00 pm R16,00 pm R16,00 pm Secondary Card Credit Cards Monthly Fees Monthly subscription fees Internet, Cellphone, Telephone Banking Purchases Credit Card purchases Garage Card purchases R4,00 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 Cash withdrawals Branch counter (any local bank) R33,00 + R1,40/R100 (max. R500) Absa ATM R3,95 + R1,25/R100 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM (1) R50,00 Account payments and funds transfers Account payments Funds transfers Balance enquiries R7,50 R33,00 R33,00 Absa ATM R1,00 Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35 Overseas ATM / POS R4,00 Page 37 Pricing Guide

Credit Cards Statement fees and notifications Absa ATM ministatement R2,50 SMS / email notifications R0,50 Other fees Replacement / lost card administration fee (2) R110,00 Unpaid debit order / cheque fee R95,00 Invalid disputes fee domestic transactions R42,00 Invalid disputes fee international transactions R113,00 Duplicate statement fee R5,00 per request. R1,00 per page (max. R50,00). Face-to-face delivery (3) R99,00 Same-day delivery R314,00 Bank cheque R75,00 Initiation fee R135,00 (R120,00 for Avios Credit Card) Load fee: Low-value payments (LVP) POS Branch, ATM, Internet, Cellphone, Telephone 3,5% of deposit value (minimum charge of R1,50) 2,5% of deposit value (minimum charge of R1,50) Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. We may charge a replacement card fee or lost card administration fee at our own discretion. 3. Face-to-face delivery: Free on Gold and Platinum Credit Card reissue and replacement cards only. Fee will be charged on all other products for reissue and replacement cards (if requested by client). 4. Avios Credit Card: This Credit Card allows you to earn Avios each time you swipe and also includes a range of exciting lifestyle-enhancing special offers and discounts from MasterCard. It also includes promotions on shopping, travel, dining and lifestyle items together with automatically extended warranties and purchase protection. Tip: You receive double Avios on all BP fuel transactions (2 Avios for every R10). Page 38 Pricing Guide

Home Loans A Home Loan offers you flexible repayment terms so you can repay your loan over any term up to 30 years. You also get to choose from a range of interest rate options. Easy access means you can use the funds you have paid in advance in your Home Loan immediately with FlexiReserve. At any time, you can choose to save interest by depositing an additional amount into your loan. As your property appreciates in value, you can also increase your loan amount to finance whatever you want. Home Loans Initiation fees All loans 10% of the loan amount with a maximum of R5 000 + VAT Agreements entered into before 1 March 2012: See note (1) Monthly service fees MyHome clients (2) R35,91 All other agreements R57,00 Deposits Cash deposit: Branch counter (3) R6,20 + R1,35/R100 Notes: The monthly service fee on accounts with a total loan granted greater than R500 000, that does not fall within the National Credit Act (NCA), remains aligned to MyHome (2) at R35,91 (VAT inclusive). This is irrespective of whether the client has Absa Homeowner s Insurance or is insured externally. Clients whose loans fall under the Usury Act (total loan granted less than R500 000 and entered into before the introduction of the NCA) will remain on the legislated fee of R5,70 (VAT inclusive). 1. For fees on agreements entered into prior to 1 March 2012, please visit your nearest Absa branch. 2. MyHome client gross monthly income less than R17 600 (subject to change during 2014). 3. Fee applicable for all cash deposited in excess of the monthly instalment amount. Please note that ATM deposits, cheque deposits and electronic deposits are free of charge. Early Settlement Interest Penalty interest will be levied on all Home Loans cancelled, where clients have failed to give Absa 90-day prior notice of the intention of such closure, in accordance with the mortgage loan agreement signed during the application process. In cases where clients give notice for a period shorter than the full requirement of 90 days, the interest calculation will be reduced by such period (i.e. if a client gives notice 30 days before account closure, he or she will only be liable for the remaining 60-day period, i.e. 90 days less actual days notice given). Termination of fixed rate agreement If the client wants to terminate the fixed-rate agreement before the expiry date of the fixed-rate term, the following rate penalty will apply: Minimum 1,00% interest premium to variable rate over original remaining term of the fixed rate contract. Page 39 Pricing Guide

International Banking Foreign exchange general information Whether your overseas trip is for business, pleasure or a combination thereof, Absa will help you with all your financial arrangements so that your trip is enjoyable and hassle-free. Please note these important rules regarding foreign exchange The South African Reserve Bank sets an annual amount that adults, children and business representatives may take overseas. As the rules and limits change from time to time, please ask us about the latest allowances. In terms of current South African Exchange Control regulations, you may not be given your foreign exchange more than 60 days before you leave. You will only be given your travel allowance if you have a valid passenger ticket, e-ticket or electronic flight voucher in your name, for a journey commencing from South Africa. We can also provide you with foreign exchange for overland travel. Absa s Foreign Exchange Desk deals in all major foreign currencies and is able to provide foreign currency for travel or transactional purposes, including: American Express Travellers Cheques Foreign banknotes Cash Passport Bank drafts and electronic funds transfers An up-to-date listing of current exchange rates Tip: Use an Absa Cash Passport when travelling internationally. It is much safer and more convenient than carrying cash. International Banking Purchase and sale of foreign banknotes Purchase and sale of foreign banknotes 1,68% Minimum R115,00 Travellers cheques Travellers cheques sold 1,71% Minimum R130,00 Travellers cheques sold to Prosperity Card holders 1,50% Minimum R110,00 Travellers cheques purchased 1,71% Minimum R130,00 Travellers cheques repurchased from clients who previously bought from Absa Visa letter R55,00 Cash Passport Sale of Cash Passport 1,65% Minimum R100 Once-off card activation fee: (currency-based) Multi-currency Card Secondary Card Repurchase of Cash Passport (cash out) $10,00 (USD) 7,50 (GBP) 10,00 (EUR) $10,00 (AUD) R50,00 (ZAR) Free if original purchase was from Absa Bank drafts Sale of bank drafts 1,5125% Minimum R181,50 Maximum R847,00 Transfer outwards Telegraphic transfers outwards 0,462% Minimum R115,00 Maximum R603,75 Electronic cost R55,00 Transfer inwards Inwards transfers received 0,462% Minimum R115,00 Maximum R603,75 Inwards pension payments for Prosperity members Transaction value <R10 000 Transaction value R10 000 and above 0,44% Minimum R115,00 Maximum R575,00 Page 40 Pricing Guide

International Banking Cash-handling fee Cash-handling fee Transaction value under R50 000 Transaction value above R50 000 R250,00 R6,20 + 1,35% (VAT incl.) of the value of the cash exchanged for foreign currency Note: Tariffs contained herein for International Banking are quoted excluding VAT unless stated otherwise. Page 41 Pricing Guide

Other offerings Prepaid Debit Card The Prepaid Debit Card is a basic cash-in / cash-out account and is ideal for someone who only needs access to basic banking services such as deposits, cash withdrawals, Debit Card purchases and airtime top-ups. Debit orders and bill payments are restricted on the Prepaid Debit Card. Prepaid Debit Card Monthly fees Monthly administration fee (1) Monthly subscription fees Internet, Cellphone, Telephone Banking Once-off card fee R30,00 Deposits (2) Cheque deposit: Branch counter 2,5% Cheque deposit: Absa ATM 2,5% Cash deposit: Branch counter 2,5% Cash deposit: Absa ATM 2,5% Cardless cash deposit 2,5% Cash withdrawals Branch counter Absa ATM Point of sale (POS) Absa-supported ATM Saswitch ATM / Post Office terminal R7,00 Overseas ATM / POS Purchases Prepaid-top-up at Absa ATM or POS Prepaid-top-up at Internet, Cellphone, Telephone IVR POS local POS overseas Account payments and funds transfers CashSend Balance enquiries Branch counter Absa ATM POS Absa-supported ATM Saswitch ATM Post Office terminal Statement fees Absa ATM ministatement Absa CAT terminal full statement Branch counter full statement Mailed statement estatement Page 42 Pricing Guide

Prepaid Debit Card Statement fees Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees Bank cheque R14,00 R34,00 Reissue card fee (3) R30,00 Inactive fee (pm) (4) R10,00 Special clearance Debit Card replacement fee R60,00 Other fees Notification fee (SMS or email) Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM / Post Office / Overseas ATM POS Returned cheque deposit Notes: 1. A R10,00 administration fee will apply when the card expires and the client did not request the reissuing of a new card. 2. All credits to the Prepaid Debit Card Account will attract a fee of 2,5% of the value of the deposit amount, i.e. R2,50 for R100. 3. When a client requests a new card to replace the expired card, a reissue card fee will be charged. 4. A R10,00 inactive fee will apply per month if the card is not utilised for a 12-month period. Page 43 Pricing Guide

Mzansi (1) Mzansi is ideal for individuals who only perform a limited number of basic banking transactions. One of the key benefits of this account is that it has no monthly administration fee. This means that you are only charged when you use this account. A minimum balance of R10,00 is required to open the account; once the account is opened, no minimum balance applies. The maximum balance allowed on this account is R15 000. Mzansi Monthly fees Monthly administration fee Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R13,00 Cheque deposit: Absa ATM Cash deposit: Branch counter (2) R13,00 Cash deposit: Absa ATM (2) R5,20 Cardless cash deposit (2) R5,25 + R1,25/R100 Cash withdrawals Branch counter R13,00 Absa ATM R5,20 Point of sale (POS) R3,95 Absa-supported ATM R5,20 Saswitch ATM Post Office terminal R5,20 R13,00 Overseas ATM / POS Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local R2,00 POS overseas 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 R5,80 R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R5,80 R33,00 R7,00 R7,99 R7,90 + R1,25/R100 Page 44 Pricing Guide

Mzansi Balance enquiries Branch counter R2,45 Absa ATM POS R1,00 Absa-supported ATM R1,00 R1,00 (first 2 free pm) Saswitch ATM Post Office terminal R1,00 I R2,45 Overseas ATM / POS Internet, Cellphone, Telephone IVR Telephone (0860 MZANSI / 0860 692 674) R1,80 Statement fees Absa ATM ministatement R1,00 Absa CAT terminal full statement R4,00 Full statement: Branch counter R4,00 Mailed statement estatement Transaction history Enquiry Internet, Cellphone, Telephone IVR (3) Enquiry Telephone Adviser-assisted (3) Cellphone SMS Email 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 email) R0,50 Dishonoured / returned payment (first 1 free pm) R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS / Email Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM / Post Office / Overseas ATM POS Returned cheque deposit R75,00 Notes: 1. Mzansi account holders are allowed 5 credit transactions and 5 debit transactions per month at the above transaction fees. Clients who exceed these limits (from the 6 th and subsequent debit or credit transactions) will incur a fee of R10,00 per transaction in addition to the normal transaction fee. 2. The first cash deposit per month to the account is free of charge. Standard charges apply to subsequent credits to the account. 3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 45 Pricing Guide

Current Accounts Absa Current Account, Student Silver, Prosperity, Islamic Cheque and Shared Account. Opening a current account is your first step towards building a solid credit history. With a current account you can choose to take up an overdraft facility and you have access to a range of pricing options to best suit your unique needs. You have access to all our channels through which you can perform your daily banking, and some of our offers include the option of personalised service. Tip: Aside from the convenient daily banking facilities offered, current accounts are a great way to start building a positive credit history. Standard Fee or Pay-as-you-transact With the Standard Fee or Pay-as-you-transact pricing option, you only pay for those transactions you use. Pay-as-you-transact 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 R6,20 + 1,35% of deposit value Cash deposit: Absa ATM R3,00 + R1,25/R100 (or part thereof) Cardless cash deposit R5,25 + 1,25% of deposit value Cash withdrawals Branch counter 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 R50,00 Cheque encashment R33,00 + R1,40/R100 + cheques 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 R7,50 R33,00 R14,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R15,00 Page 46 Pricing Guide

Pay-as-you-transact Account payments and funds transfers Funds transfers, Internet, Cellphone, Telephone IVR R33,00 R7,00 CashSend, Internet, Cellphone R7,90 + R1,25/R100 Cheque issued (1) R33,00 Balance enquiries Branch counter R2,45 Absa ATM R1,00 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 (2) R14,00 (free for Prosperity holders) estatement (3) Transaction history Enquiry Internet, Cellphone, Telephone IVR (4) Enquiry Telephone Adviser-assisted (4) Cellphone SMS Email 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 / 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 Page 47 Pricing Guide

Pay-as-you-transact Other fees Notification fee (SMS or email) R0,50 Overdraft ledger fee (pm) (5) For the overdraft provision on your account: Overdraft of R250 Overdraft over R250 If your account goes into unauthorised overdraft / excess Dishonoured / returned payment or RD cheque R18,00 R57,00 R36,00 (6) (Absa Current Account) R60,00 (7) ( Student Silver, Prosperity, Islamic and Shared Account) Notice of payment (internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS / Email 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. Only applicable to accounts that allow cheques to be issued. 2. For Prosperity and Student Silver, monthly mailed statements are free of charge. 3. Clients can register for estatements by logging onto Internet Banking and clicking on the portfolio menu bar and then estatements or via Telephone Banking or by sending their request to estatementregistration@absa.co.za 4. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 5. Overdraft ledger fees and unauthorised overdraft/excess fees will not be charged on Student Silver. 6. Increasing to R50,00 per transaction from the 4 th occurrence within 12 months. 7. Increasing to R138,00 per transaction from the 4 th occurrence within 12 months. Page 48 Pricing Guide

OneTouch The OneTouch Card is a prepaid card designed for use in the retail and transit environments for payments of low value and can be used for both contact and contactless transactions. The card allows for payments of goods and services at participating merchants displaying the MasterCard with PayPass and/or MasterCard Cash logos. This is a convenient alternative to paying with cash and all the client has to do to make a contactless transaction is touch the card on a contactless card Point-of-Sale (POS) reader for a transaction that happens in seconds with no PIN or signature required. If there is no contactless card reader the card can be used at any merchant displaying the MasterCard logo for contact transactions where PIN entry will be required. OneTouch Transaction type Fee Once-off card fee R20,50 Card replacement fee R20,50 Card reissue fee R20,50 Loads: Absa Branch 2,5% of value loaded or minimum R1,50 Loads: Absa ATM 2,5% of value loaded or minimum R1,50 Loads: Absa Internet Banking 2,5% of value loaded or minimum R1,50 Loads: Absa Cellphone Banking 2,5% of value loaded or minimum R1,50 Loads: Absa Telephone Banking 2,5% of value loaded or minimum R1,50 Load: Participating merchants and enabled transit partners 3,5% of value loaded or minimum R1,50 Loading of transit products (at supported transit partners) Monthly administration fee after card expiry R10,00 POS local Balance enquiries Statement fees Declined fee (insufficient funds) Notes: If a load is done by transferring funds from an account, the load fees will be applied to the account being transferred from. If a load is done with cash, the load fee will be deducted from the value being loaded and only the difference made available on your card. A R10,00 administration fee will apply when the card expires and the client did not request the reissuing of a new card. When a client requests a new card to replace the expired card, a reissue card fee will be charged. Page 49 Pricing Guide

Safe custody Safe custody Transaction type Initiation fee R350,00 Accessing items stored in safe custody R15,50 Annual fee Absa lockers Minimum R1 000 Maximum R2 720 Other Envelope safe custody (1) R240,00 Fixed fee (items stored in safe excluding informal security) (1) R1 000 Note: 1. These are paid annually in advance on or before 30 June and apply to clients that do not make use of lockers to have their items stored. Fee Fee Page 50 Pricing Guide

Off-sale products Off-sale products are those products that are no longer available to any clients. However, clients already holding these products will continue to be serviced on these products. Transactional: ActiveSave The Standard and Rebate pricing options for this product are as follows: ActiveSave Pricing options Standard Fee Rebate Banking (1) Minimum balance R10 000 Monthly fees Monthly administration fee (2)(PO) R17,00 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 (PO) R3,95 + R1,25/R100 Point of sale (POS) (PO) R3,95 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM / Post Office terminal R9,95 + R1,25/R100 Overseas ATM / POS R50,00 Purchases Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone IVR R1,00 POS local (PO) R3,85 POS overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments (PO) Internet, Cellphone, Telephone IVR Immediate interbank payment Internet, Cellphone, Telephone IVR Debit and stop orders (PO) Internal debit orders External debit orders Stop orders R7,50 R33,00 R14,50 R7,50 R11,00 + R1,05/R100 (max. R65,00) R18,00 + R1,05/R100 (max. R65,00) R7,50 Page 51 Pricing Guide

ActiveSave Account payments and funds transfers Funds transfers (PO) Internet, Cellphone, Telephone IVR CashSend (PO) Internet, Cellphone R33,00 R7,00 R7,90 + R1,25/R100 R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45 Absa ATM (PO) R1,00 POS (PO) 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 (PO) R2,50 Absa CAT terminal full statement (PO) R5,00 Full statement: Branch counter (PO) R14,00 Mailed statement (3) R14,00 estatement (4) Transaction history Enquiry Internet, Cellphone, Telephone IVR (5) Enquiry Telephone Adviser-assisted (5) Cellphone SMS Email 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 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 email) (PO) R0,50 Dishonoured / returned payment (6) R60,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS / Email Page 52 Pricing Guide

ActiveSave 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: 1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance (as required on the Rebate Banking pricing option) is maintained throughout the month. 2. Monthly administration fee is exempt for clients who maintain more than R2 000 in their account throughout the month. 3. Mailed monthly statement fees are exempt for clients who maintain more than R4 500 throughout the month. 4. 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 estatementregistration@absa.co.za 5. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 6. Increasing to R138,00 per transaction from the 4 th occurrence within 12 months. (PO) Pensioner Offering: will be levied on these transactions if a minimum monthly account balance of R5 000 is maintained throughout the month. Page 53 Pricing Guide

Transactional Sekulula Sekulula is a transactional account linked to a Debit Card which can be used for daily banking. Key benefits associated with this account include free funeral cover for clients aged between 18 and 65 years, Personal Health Adviser, Legal Assist, Discounted Doctors Network and Missing Assist. Please note that terms and conditions apply. Sekulula 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 (cash acceptor) 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 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 54 Pricing Guide

Sekulula 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 (1) Transaction history Enquiry Internet, Cellphone, Telephone IVR (2) Enquiry Telephone Adviser-assisted (2) Cellphone SMS Email 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 email) (PO) R0,50 Dishonoured / Returned payment (6) R5,00 Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS / Email 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. 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 estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. Page 55 Pricing Guide

Current Accounts Standard Fee or Pay-as-you-transact FlexiSelect, Silver, Potentiate and Gold Senior With the Standard Fee or Pay-as-you-transact pricing option, you only pay for the transactions you use. FlexiSelect / Silver / Potentiate / Gold Senior Monthly fees Monthly account fee R33,00 Monthly account fee (FlexiSelect) R22,00 Monthly subscription fees Internet, Cellphone, Telephone Banking Deposits Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R6,20 + 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 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 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 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 (1) R33,00 Page 56 Pricing Guide

FlexiSelect / Silver / Potentiate / Gold Senior Balance enquiries Branch counter R2,45 Absa ATM R1,00 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 Email 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 / 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 Page 57 Pricing Guide

FlexiSelect / Silver / Potentiate / Gold Senior Other fees Notification fee (SMS or email) R0,50 Overdraft ledger fee (pm) For the overdraft provision on your account: Overdraft of R250 Overdraft over R250 R18,00 If your account goes into unauthorised overdraft / excess R57,00 Dishonoured / returned payment or RD cheque R60,00 (4) (FlexiSelect R36,00 (5) ) Notice of payment (Internet, Cellphone, Telephone) SMS Email Fax R0,75 R0,75 R3,00 Internet Banking notifications (includes RVN, TVN, logon alert) SMS Email 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. Only applicable to accounts that allow cheques to be issued. 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 estatementregistration@absa.co.za. 3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 4. Increasing to R138,00 per transaction from the 4 th occurrence within 12 months. 5. Increasing to R50,00 per transaction from the 4 th occurrence within 12 months. Page 58 Pricing Guide

Packages Silver, Gold, Platinum 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. Current account package pricing options offer you the added benefit of a Credit Card with no monthly fee, free subscriptions to NotifyMe and Internet Banking as well as a free lump sum death benefit. Clients with a Home Loan and Vehicle Finance qualify for special rebates (terms and conditions apply). Transaction type Silver Package Gold Package Platinum Package Monthly service fee R135,00 R185,00 R225,00 Number of transactions included 25 35 Unlimited Fee per transaction thereafter R10,00 R10,00 Transactions included: Any combination of the following transactions done on any electronic channel (Absa ATM, Internet/Cellphone/ Telephone Banking IVR): cash withdrawals cash deposits (1) balance enquiries and ministatements CashSend at an Absa ATM Electronic funds transfers Electronic account payments Point-of-sale purchases and cash withdrawals (local) Debit orders and stop orders All other transactions not included in the above list will be charged at Standard Fee as reflected on the Pay-as-youtransact pricing table. Transaction type Silver Package Gold Package Platinum Package Monthly subscription fees (Internet, Cellphone, Telephone) Included Included Included Transaction fees (2) (Internet, Cellphone) Bill and beneficiary payments Funds transfers Balance enquiries Transaction history Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Overdraft ledger fee (R18,00) Included Included Included estatement (3) Included Included Included Credit Card monthly fee Included Included Included Special rebates R25,00 pm for new Absa Home Loan (4) R10,00 pm for new Absa Vehicle Finance R25,00 pm for new Absa Home Loan (4) R10,00 pm for new Absa Vehicle Finance R25,00 pm for new Absa Home Loan (4) R10,00 pm for new Absa Vehicle Finance Other features Lump sum death benefit R10 000 free lump sum death benefit R15 000 free lump sum death benefit R20 000 free lump sum death benefit Priority Pass Not applicable Not applicable First six visits included in the monthly service fee (5) All other transactions not included in the above list (e.g. Saswitch transactions) will be charged at Pay-as-you-transact fees, as applied on the Silver account pricing table on page 56, or on the Gold / Platinum account pricing table on page 11. Notes: 1. Cardless cash deposits at Cash Accepting ATMs are not included in the Package Fee. The Standard Fee as reflected in the Pay-as-you-transact pricing table applies. 2. Standard charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and tax certificates. 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 estatementregistration@absa.co.za If clients opt for mailed statements, these will be charged at R14,00. 4. Joint home loans as well as home loans under the Usury Act are excluded. 5. The first six visits per annum via Priority Pass are included in the monthly service fee. Visits in excess of six will be charged at $33,00 per visit at the exchange rate on the day of billing. Visit www.prioritypass.com 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 will not be provided. A fee of R60,00 will apply to Priority Pass card replacements. Priority Pass is for international and domestic lounge access. Page 59 Pricing Guide

Rebate Banking Silver, Gold, Platinum, FlexiSelect, Gold Senior (1) and Islamic Cheque With the Rebate Banking option you will not pay banking fees on certain transactions if you maintain a set minimum balance in your account throughout the month. All other transactions not included under Rebate Banking will be charged at Pay-as-you-transact fees as per page 46 or 56. The Rebate pricing options for these products are as follows: Rebate Banking Minimum monthly account balance R10 000* Maximum rebate amount R500,00 * If the minimum monthly account balance is not maintained throughout the month, then the Standard Fee as reflected on the Pay-as-you-transact pricing table will apply. Exempt charges Monthly fees Monthly account fee Deposits Cheque deposit: branch counter / Absa ATM Cash deposit: Absa ATM (2) Cash withdrawals Branch counter Absa ATM Point of sale (POS) Overseas ATM / POS Account payments Account payments Debit orders and stop orders Internal debit orders External debit orders Stop orders CashSend (Absa ATM) Purchases Prepaid top-up: Absa ATM / POS POS local POS overseas Funds transfers Branch counter Absa ATM Balance enquiries Absa ATM Statement fees Absa ATM ministatement Other fees Notification fee (SMS or email) Cheque encashment Chequebooks (20, 30, carbon, 40) All other transactions not included in the above list (e.g. Saswitch transactions) will be charged at the Standard Fees as reflected in the Pay-as-you-transact pricing table. Notes: 1. Seniors Rebate Banking, branch counter cash deposits and cheques issued are included in the Rebate Banking transaction basket. 2. Cardless cash deposits at Cash Accepting ATM s are not included in the Rebate Banking basket. Standard fees as reflected in the Pay-as-you-transact pricing table applies. Page 60 Pricing Guide

Management Fee Silver, Gold, Platinum, Platinum Professional, Platinum Medical, 24/7, Islamic Cheque, Prosperity and Potentiate The Management Fee option allows you to perform a basket of transactions for a fixed monthly fee. Silver, Gold, Platinum, Platinum Professional, Platinum Medical, 24/7, Islamic Cheque, Prosperity and Potentiate Products Number of transactions included Fee amount Silver, Gold, Platinum, Platinum Professional, Platinum Medical, Islamic Cheque and Prosperity* 0 30 transactions >30 transactions R180,00 R235,00 24/7** Unlimited transactions R235,00* Potentiate Unlimited R165,00 * Charges will be levied for immediate interbank payments, notice of payments, reminders, archived statements, CashSend and tax certificates. **For 24/7, no monthly subscription fees apply for NotifyMe or 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, CashSend and tax certificates. Transactions allocated for in Management Fee Deposits Cheque deposit: Branch counter / Absa ATM Cash deposit: Absa ATM (1) Cash withdrawals Branch counter Absa ATM Point of sale (POS) Overseas ATM / POS Account payments Account payments Debit orders and stop orders Internal debit orders External debit orders Stop orders CashSend (Absa ATM) Purchases Prepaid top-up: Absa ATM / POS POS local POS overseas Funds transfers Branch counter Absa ATM Balance enquiries Absa ATM Statement fees Absa ATM ministatement Other fees Notification fee (SMS or email) Cheque encashment Chequebooks (20, 30, carbon, 40) All other transactions not included in the above list (e.g. Saswitch transactions) will be charged (over and above the Management Fee) at Standard Fees as reflected on page 11 / 46 / 56. Notes: 1. Cardless cash deposits at a Cash Accepting ATMs are not included in the Management Fee. The Standard Fee as reflected in the Pay-as-your-transact pricing table applies. 2. Seniors offering, branch counter cash deposits and cheques issued are included in the Management Fee transaction basket. Page 61 Pricing Guide

EasyFee FlexiSelect, Silver, Gold, Platinum, Islamic Cheque and Potentiate With the EasyFee option, you pay a monthly fee determined by the number of transactions you perform each month. The EasyFee structure offers clients different pricing options to choose from. Each option comes with a predetermined number of transactions; thereafter a flat rate will apply per transaction in excess of this allocation. Clients can choose which tier will best suit their needs. FlexiSelect EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R50,00 5 R6,50 Option 2 R70,00 10 R6,00 Option 3 R105,00 15 R5,50 Silver EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R105,00 15 R5,50 Gold EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R185,00 35 R10,00 Platinum (1) EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1* R195,00 Unlimited Islamic Cheque* EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R135,00 25 R10,00 Option 2 R185,00 35 R10,00 Option 3 R225,00 Unlimited Potentiate EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R75,00 10 R10,00 Option 2* R165,00 Unlimited Option 3* # R170,00 Unlimited # Includes Titanium Credit Card Notes: * No monthly subscription fees for NotifyMe or 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 allocated for in EasyFee The monthly fee includes any combination of the following daily transactions: cash withdrawals cash deposits (2)(3) balance enquiries and ministatements (2) electronic funds transfers account payments CashSend 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 (over and above the EasyFee) at the Standard Fees as reflected on the Pay-as-you-transact pricing table as reflected on page 11 / 46 / 56. 1. For Platinum Classic, no monthly subscription fees for NotifyMe or 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. 2. Excluded on FlexiSelect. 3. Cardless cash deposits at a Cash Accepting ATMs are not included in the EasyFee. The Standard Fee as reflected in the Pay-as-you-transact pricing table applies. Page 62 Pricing Guide

Bundles Silver Value Bundle With the Silver 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 56. 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 Value Bundle he/she qualifies for a 50% discount on his/her monthly fee. Silver Value Bundle Monthly service fees R89,00 Discounted monthly service fee: For maintaining a balance of: more than R10 000 = 10% discount; or more than R20 000 = 20% discount; or more than R30 000 = 50% discount R80,10 R71,20 R44,50 5 Monthly subscription fees Internet, Cellphone, Telephone Banking Absa ATM cash deposits Cash deposit Absa ATM Cash deposit cash acceptor Absa ATM cash withdrawals 5 Cash withdrawals Absa ATM Debit Card purchases and withdrawals Unlimited Debit and Cheque Card purchases Point-of-sale cash withdrawals Electronic account and beneficiary payments Unlimited Account payments via Absa ATM, Internet, Cellphone, Telephone IVR External debit orders External stop orders Funds transfers and internal payments Unlimited Funds transfers via Absa ATM, Internet,Cellphone, Telephone IVR Internal debit orders Internal stop orders Electronic information enquiries Unlimited Statement Absa ATM, Internet and Telephone IVR Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone IVR Notification fee (SMS or email) estatement (1) Roll-over of unutilised transactions (2) 1 month Cash back for your Credit Card R15,00 Cash back for your Home Loan (3) R10,00 Cash back for your Personal Loan R5,00 Spouse discount 50% All other transactions not included in the above list or where transactions are done in excess on specific limits, will be charged at Pay-as-you-transact fees as applied on the Gold/Platinum Accounts as per pricing table on page 56. 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 estatementregistration@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 8 ATM transactions in the subsequent month). 3. Joint home loans and home loans under the Usury Act are excluded. 4. 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 or debit orders Page 63 Pricing Guide

Potentiate Bundle Potentiate, which means to intensify, is a lifestyle proposition that combines streamlined transactional banking, some world firsts in card and payment technology and exclusive MasterCard Titanium lifestyle and loyalty benefits. Potentiate Bundle Monthly fees Monthly service fees R139,00 Discounted monthly service fee: For maintaining a balance of: more than R10 000 = 10% discount; or more than R20 000 = 20% discount; or more than R30 000 = 50% discount Monthly subscription fees Internet, Cellphone, Telephone Banking Transactions included Absa ATM cash deposits Cash deposit Absa ATM Cash deposit cash acceptor Cardless cash deposit at cash acceptor Absa ATM cash withdrawals Cash withdrawals Absa ATM Debit Card purchases and withdrawals Debit and Cheque Card purchases Point-of-sale cash withdrawals Electronic account and beneficiary payments Account payments via Absa ATM, Internet, Cellphone, Telephone IVR External debit orders External stop orders Funds transfers and internal payments Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR Internal debit orders Internal stop orders Electronic information enquiries Statement Absa ATM, Internet and Telephone IVR Balance enquiries Absa ATM, POS, Internet, Cellphone and Telephone IVR Notification fee (SMS or email) estatement (1) Roll-over of unutilised transactions (2) Cross-product benefits Cash back for your Credit Card (Titanium) (3) Cash back for your Home Loan (4) Cash back for your Vehicle Finance Additional features R125.10 R111.20 R69.50 5 5 Unlimited Unlimited Unlimited Unlimited 1 month R35,00 R10,00 R5,00 Spouse discount 50% All other transactions not included in the above list will be charged at the Standard Fee as on the current account see Pay-as-you-transact pricing table on page 56. 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 estatementregistration@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 8 ATM transactions in the subsequent month). 3. The monthly fee for the Titanium Credit Card is R35,00. 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, email and SMS) CashSend Tax certificates Stop payments of cheques or debit orders 6. Prepaid top-ups will attract a standard fee of R1,00 per transaction. Page 64 Pricing Guide

Savings and Investment Investment Advantage Investment Advantage is ideal for the serious investor who is looking for risk-free, attractive returns on deposits greater than R20 000. A key benefit of this product is that you have immediate access to your funds. Investment Advantage Monthly fees Monthly administration fee Commission All credits into account except for counter cash deposits 0,40% Deposits Cheque deposit: Branch counter Commission applicable Cheque deposit: Absa ATM Commission applicable Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM Commission applicable Cardless cash deposit Commission applicable Cash withdrawals Branch counter Absa ATM Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM R50,00 Account payments and funds transfers Account payments Funds transfers Balance enquiries Branch counter Absa ATM Absa-supported ATM R2,95 Saswitch ATM R3,35 Statement fees Branch counter full statement Absa ATM ministatement Absa CAT terminal full statement Mailed statement estatement (1) Administration fees Bank cheque Stop payment instruction R30,00 Special clearance Debit Card replacement fee R60,00 Page 65 Pricing Guide

Investment Advantage Other fees Notification fee (SMS or email) Dishonoured / returned payment Declined fee (insufficient funds) Absa-supported ATM Saswitch ATM POS Returned cheque deposit R75,00 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 estatementregistration@absa.co.za Page 66 Pricing Guide

Credit Cards When used wisely, your Credit Card is actually cheaper to use than a Debit Card, as most of your purchase transactions are free. It s also smarter to use your Credit Card instead of using cash and here s why: You get up to 57 interest-free days on purchases, excluding cash withdrawals, casino transactions, Internet Banking transfers, fuel purchases and budget plan purchases. This applies if all outstanding balances on the Credit Card account were fully paid by the due dates. Cash and Garage Card transactions are not included in the interest-free period, as interest is charged from the date of transaction. Terms and conditions apply. Avoid paying cash deposit fees when you transfer payments to your Credit Card using electronic channels (Internet, Cellphone or ATM). Tip: Use your Credit Card for fuel purchases, as no transaction fees are charged on fuel purchases done on a Credit Card. Card type Electronic Silver Credit Card R21,00 pm R19,00 pm Affinity Card R19,00 pm Garage Card R16,00 pm Secondary Card Credit Cards Monthly fees Monthly subscription fees Internet, Cellphone, Telephone Banking Purchases Credit Card purchases Garage Card purchases R4,00 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 Cash withdrawals Branch counter (any local bank) R33,00 + R1,40/R100 (max. R500) Absa ATM R3,95 + R1,25/R100 Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM (1) R50,00 Account payments and funds transfers Account payments Funds transfers Balance enquiries R7,50 R33,00 R33,00 Absa ATM R1,00 Absa-supported ATM / Post Office terminal R2,95 Saswitch ATM R3,35 Statement fees and notifications Absa ATM ministatement R2,50 SMS / Email notifications R0,50 Page 67 Pricing Guide

Credit Cards Other fees Replacement / lost card administration fee (2) R110,00 Unpaid debit order / cheque fee R95,00 Invalid disputes fee domestic transactions R42,00 Invalid disputes fee international transactions R113,00 Duplicate statement fee R5,00 per request. R1,00 per page (max. R50,00). Face-to-face delivery R99,00 Same-day delivery R314,00 Bank cheque R75,00 Initiation fee R135,00 Load fee: Low-value payments (LVP) POS Branch, Internet, ATM, Cellphone or Telephone 3,5% of deposit value (minimum charge of R1,50) 2,5% of deposit value (minimum charge of R1,50) Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. We may charge a replacement card fee or lost card administration fee at our own discretion. Page 68 Pricing Guide

Frequently asked questions For any other questions, please call 08600 08600, visit your nearest Absa branch or go to absa.co.za Where can I enquire about the pricing applicable to my account? You can view the pricing applicable to your account in this pricing guide or on the Absa website (absa.co.za). You can also contact the Absa Price Line on 08600 08600 where we will explain specific fees and the various pricing options available to you. What is a debit order? An authorisation (mandate) that a client gives to a third party that allows the third party to automatically collect money from his/her bank account. Remember that clients can also use bill or beneficiary payments to pay their bills. Clients who choose to use debit orders should make sure that there is enough money in their account to cover the debit order. What is an internal or external debit order / stop order? Debit orders / stop orders can either be internal or external. An internal debit order or stop order refers to an amount paid from one Absa account to another specific Absa account, e.g. payments for Absa Home Loans, Vehicle and Asset Finance, Credit Cards or Absa insurance. An external debit order or stop order refers to an amount that is automatically deducted from an Absa account and paid over to another non-specific Absa account. What is the difference between funds transfers and bill payments? An electronic funds transfer enables you to transfer money between accounts linked to your portfolio. For example, this transaction enables you to transfer money between your current account and savings account. A bill or beneficiary payment is a transaction used to pay a utility bill or beneficiary whose account is not linked to your portfolio of accounts (i.e. you would pay school fees, an electricity bill or rent using a bill or beneficiary payment transaction). What is a Debit Card? A card that enables a client to pay money directly from his/her account when paying for goods or services at retailers who display the MasterCard / Visa signs. What is MasterCard / Visa Point of Sale? MasterCard / Visa are the electronic payment networks that allow clients to use their ATM card as a Debit Card at participating retailers who display the MasterCard / Visa signs. You must have either a Visa or a MasterCard Debit Card. You would use this to make Debit Card purchases. What is electronic banking? Banking conducted via the telephone, cellphone, an ATM or the internet. Clients require the use of a PIN to access their accounts using these channels. What is a PIN? A unique Personal Identification Number (PIN) that allows clients to access their accounts via the telephone, cellphone, an ATM or the internet. What is an Absa-supported ATM? These ATMs are supported by Absa and are dual-branded, ie. Absa / Cash Express. Withdrawals made from these ATMs attract higher charges, but lower than Saswitch machines. How can I avoid rejected debit order fees? Always ensure that you have sufficient money in your account to fund your debit order or stop order payments. Subscribe to Absa s NotifyMe service to keep informed of all scheduled transactions that are performed on your account. Arrange for your payments to be paid as close to the date of your salary / wage deposit to your account. Allow a day or two delay just in case your salary / wage deposit is late. Remember, you have the right to choose the date of the debit order that suits you. If you find a debit order deduction is incorrect, you must immediately inform Absa and the company / retailer involved, in writing, that you are querying the transaction. This must be done in writing within 40 days of the error. To stop a debit order you must notify the company involved and Absa in writing. It is your responsibility to ensure that the company concerned does not deduct the next debit order amount. It is also recommended that you place a stop payment on the debit order with Absa. Why should I opt for estatements? s are applicable for estatements. Convert to estatements and save on fees. You 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 your request to estatementregistration@absa.co.za Page 69 Pricing Guide