The American Express® The American Express® The American Express® The American Express® The American Express® The American Express® Platinum Credit Card Gold Credit Card Green Card Platinum Credit Card Gold Credit Card Blue Credit Card

2021 Card Fees Maintenance fee Credit facility service fee* (monthly) From R18.50 From R18.50 From R18.50 From R35.00 From R21.00 From R18.50 Primary Card R4 450.00 (annual) R63.00 (monthly) R26.00 (monthly) R60.00 (monthly) R34.00 (monthly) R32.00 (monthly) Additional Card (monthly) Free Free Free Free Free R32.00 Initiation fee Initiation (once-off) R1 262.00 R670.00 N/a R198.00 R198.00 R198.00 Enrolment (once-off) N/a N/a N/a N/a N/a Loyalty fees Linkage (monthly) Free R25.00 R25.00 R25.00 R25.00 R25.00 Enrolment (once-off) Free Free Free Free Free Free Fees for cash withdrawals At Nedbank a ATM R2.20 per R100 or part thereof R2.20 per R100 or part thereof R2.20 per R100 or part thereof R2.20 per R100 of part thereof R2.20 per R100 or part thereof R2.20 per R100 or part thereof At Saswitch a ATM R10.50 plus R2.20 per R100 or part thereof R10.50 plus R2.20 per R100 or part thereof R10.50 plus R2.20 per R100 or part thereof R10.50 plus R2.20 per R100 of part thereof R10.50 plus R2.20 per R100 or part thereof R10.50 plus R2.20 per R100 or part thereof Over the counter R80.00 plus R2.20 per R100 or part thereof R80.00 plus R2.20 per R100 or part thereof R80.00 plus R2.20 per R100 or part thereof R80.00 plus R2.20 per R100 of part thereof R80.00 plus R2.20 per R100 or part thereof R80.00 plus R2.20 per R100 or part thereof Overseas R55.00 plus R2.00 per R100 or part thereof R55.00 plus R2.20 per R100 or part thereof R55.00 plus R2.20 per R100 or part thereof R55.00 plus R2.20 per R100 of part thereof R55.00 plus R2.20 per R100 or part thereof R55.00 plus R2.20 per R100 or part thereof International currency conversion fee1 2% 2% 2% 2% 2% 2% Fees for deposits Cash deposit at a branch R80.00 plus R2.00 per R100 or part thereof R80.00 plus R2.00 per R100 or part thereof R80.00 plus R2.00 per R100 or part thereof R80.00 plus R2.00 per R100 of part thereof R80.00 plus R2.00 per R100 or part thereof R80.00 plus R2.00 per R100 Cash deposit at an IDATM R1.20 per R100 or part thereof R1.20 per R100 or part thereof R1.20 per R100 or part thereof R1.20 per R100 R1.20 per R100 or part thereof R1.20 per R100 or part thereof Fees for transfers and payments Payment on Nedbank Online Banking and at an SST2 R8.35 R8.35 R8.35 R8.35 R8.35 R8.35 Transfer on Nedbank Online Banking and at an SST2 R4.30 R4.30 R4.30 R4.30 R4.30 R4.30 Transfer in a branch R100.00 R100.00 R100.00 R100.00 R100.00 R100.00 Other fees Dishonoured payment R90.00 R90.00 R90.00 R90,00 R90.00 R90.00 Late payment Free Free Free Free Free Free Incorrectly disputed transaction (local) R160.00 R160.00 R160.00 R160.00 R160.00 R160.00 Incorrectly disputed transaction (international) R195.00 R195.00 R195.00 R195.00 R195.00 R195.00 Tracing Up to R410.00 Up to R410.00 Up to R410.00 Up to R410.00 Up to R410.00 Up to R410.00 Balance enquiry in a branch R15.00 R15.00 R15.00 R15.00 R15.00 R15.00 Enquiry at a Nedbank ATM Free Free Free Free Free Free Enquiry at a Saswitch ATM R8.50 R8.50 R8.50 R8.50 R8.50 R8.50 Nedbank ATM transaction list R8.50 R8.50 R8.50 R8.50 R8.50 R8.50 POS Balnce Enquiry R2.00 R2.00 R2.00 R2.00 R2.00 R2.00 Over the counter Statement Branch R30.00 R30.00 R30.00 R30.00 R30.00 R30.00 Over the counter Transaction List Branch R30.00 R30.00 R30.00 R30.00 R30.00 R30.00 Lost Card Free Free Free Free R145.00 R145.00 Face-to-face Card delivery Free R160.00 R160.00 Free R160.00 R160.00 Same-day Card replacement service (including delivery) R430.00 R430.00 R430.00 R430.00 R430.00 R430.00 Monthly Nedbank Internet Banking subscription3 Free Free Free Free Free Free Transactional SMS Free Free Free Free Free Free Fees for declined transactions due to insufficient money At a Nedbank ATM Free Free Free Free Free Free At another bank’s ATM Free Free Free R8.60 R8.60 R8.60 At a point-of-sale device Free Free Free R8.60 R8.60 R8.60 Nedbank Online Banking payment notification fees By SMS R1.15 R1.15 R1.15 R1.15 R1.15 R1.15 By email R1.15 R1.15 R1.15 R1.15 R1.50 R1.15 By fax R15.00 R15.00 R15.00 R15.00 R15.00 R15.00 LOTTO fees LOTTO R2.70 R2.70 R2.70 R2.70 R2.70 R2.70 PowerBall R2.70 R2.70 R2.70 R2.70 R2.70 R2.70 LOTTO Plus R2.70 R2.70 R2.70 R2.70 R2.70 R2.70

All fees include VAT at 15% and are effective from 1 January 2021. Green Charge Card Platinum Credit Card Gold Credit Card Blue Credit Card (no longer offered in market) (no longer offered in market) (no longer offered in market) (no longer offered in market) 1 A currency conversion fee will apply to all foreign transactions. 2 Includes banking at self-service terminals, Nedbank Online Banking, SMS Banking, Telephone Banking: Self-service and Agent-assisted, and Cellphone Banking WAP. * The credit facility service fee covers the costs associated with providing the up to 55 days’ interest-free credit card facility, 3 Online Banking fee charged if this is the only Nedbank account. routine administration and maintenance of the credit facility, as well as the cost of capital associated with providing the credit facility. ATM Automated teller machine Staff rates on risk-based priced accounts are to be set at 50% of the Tier 1 rate. SSD Self-service device SST Self-service terminal IDATM Intelligent Depositor ATM American Express is a registered trademark of American Express. American Express Cards are operated under licence in South Africa by Nedbank Ltd Reg No 1951/000009/06, authorised financial services and registered credit provider (NCRCP16).