UPGRADING OF YOUR EXISTING NEDBANK PRIVATE WEALTH CREDIT AND/OR CHEQUE CARDS ● You will receive 2 contactless-enabled cards : o A Nedbank Private Wealth Visa Infinite Card to the Visa Infinite travel and lifestyle benefits. o An additional Nedbank Private Wealth ® Card (linked to your credit and/or cheque card accounts to earn double Greenbacks). ● Our courier company will contact you to arrange a suitable delivery time and address with you. ● Your new cards will be issued with new card numbers and a new PIN. Once your card is activated, you can change your PIN at any Nedbank ATM. ● Make sure you update any existing debit orders or payments linked to your current cards with your new card numbers. Debit orders linked to your current account number will not require updating. ● Your card will arrive with some additional details of how to use your contactless card and other important information.

THE PRODUCT

EXISTING/PREVIOUS NEW

NEDBANK PRIVATE WEALTH ● Nedbank Private Wealth Current ● Nedbank Private Wealth Current PRODUCTS Account Account ● Nedbank Private Wealth World ● Nedbank Private Wealth Visa Infinite MasterCard cheque card credit/cheque card* ● Nedbank Private Wealth World ● Nedbank Private Wealth American MasterCard Express® credit/cheque card* ● Nedbank Private Wealth American Express® Platinum Card** PACKAGE ● Platinum bundle option (cards ● Bundle (cards inclusive) or PAYU inclusive) or pay-as-you-use (PAYU) standalone products standalone products ADDITIONAL STANDALONE CARDS ● Optional Nedbank Private Wealth ● Optional Nedbank Private Wealth (PAYABLE) AVAILABLE garage cards garage cards – update to a black card to align with new branding ● Nedbank Private Wealth American Express® Platinum Card** The above products are no longer Existing clients will migrate to the above available to new clients. products. All new clients will only receive the above products.

WHAT REMAINS THE SAME ● Fees for the bundle and pay-as-you-use accounts. ● Debit interest rate of prime minus 1%. ● Flexible monthly repayments – whether a minimum of 5% of the outstanding balance, full payment or a specific amount. ● Free supplementary cards. ● Access to our Nedbank Private Wealth Service Suite 24/7. ● Your current pricing structure. ● Automatic payment orders (APOs) will stay in place. ● Your account numbers – only your card numbers will change.

NEDGROUP PRIVATE WEALTH (PTY) LTD REG NO 1997/009637/07, TRADING AS NEDBANK PRIVATE WEALTH. AUTHORISED FINANCIAL PAGE 1 OF 4 SERVICES PROVIDER (FSP828), REGISTERED CREDIT PROVIDER THROUGH NEDBANK LTD (NCRCP16), AND A MEMBER OF JSE LTD THROUGH NEDGROUP PRIVATE WEALTH STOCKBROKERS (PTY) LTD (NCRCP59).

COMPARISON SCHEDULE V3

WHAT IS DIFFERENT

WORLD MASTERCARD AMERICAN EXPRESS® VISA INFINITE WITH (PREVIOUS/EXISTING) PLATINUM CARD (where COMPLIMENTARY AMERICAN applicable and included in EXPRESS® CREDIT CARDS - previous/existing product NEW suite)** CARD LOOK AND German silver cards American Express® Platinum Black cards issued with new FEEL card numbers. Note: Once the new card has been issued, the old card will be valid for 30 days, after which it will be closed automatically. ASSOCIATION Mastercard American Express® ● Visa Infinite for all Visa benefits, including access. ● American Express® for double Greenbacks. CONTACTLESS Not available Available Available (TAP AND GO) PIN Five-digit PIN Four-digit PIN New PINs will be issued due to association change – five-digit PIN for Visa and four-digit PIN for Amex. REWARDS Greenbacks Membership Rewards Greenbacks: Earning ratio of 1GB for every Earning ratio of 1.5 MR for ● Nedbank Private Wealth R5 of eligible spend; capped every R5 of eligible spend. Visa Infinite credit card – limits apply to cheque and credit earning ratio of 1GB for cards. every R5 of eligible spend; uncapped spend. ● Nedbank Private Wealth Visa Infinite cheque card – earning ratio of 1GB for every R10 of eligible spend; capped at R10 000. ● Nedbank Private Wealth American Express® cheque and credit card – earning ratio of 2GB for every R5 of eligible spend; uncapped spend. ● You will retain your existing Greenbacks account number. Free Nedbank Greenbacks N/A Free Nedbank Greenbacks SHOP Card to access SHOP Card to access Greenbacks. Greenbacks*. AIRPORT LOUNGES Free access to local domestic Free access to local Bidvest and Visa Infinite cheque/credit Bidvest lounges for the international lounges for the cards – free access to local and cardholder only. cardholder only and a free international lounges for the Priority Pass Card access cardholder and one guest with benefit to international lounges LoungeKey (cardholder must in the Priority Pass programme indicate to lounge staff that (for cardholder and one guest)** he/she wishes to gain access with LoungeKey). TRAVEL BENEFITS Hertz Gold – up to 15% Avis President Club – free Visa Infinite benefit : Avis – discount and upgrades. upgrades, qualifying free discounts of up to 35% on local Avis – upgrades and discounts weekends. rates and up to 30% on of up to 25% on next car rental. Participating airlines provide international rates. upgrades or discounted fares. Visa Infinite benefit :YQ – meet and assist at airport – 30% off services such as limo transfers, baggage porters, etc.

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WORLD MASTERCARD AMERICAN EXPRESS® VISA INFINITE WITH (PREVIOUS/EXISTING) PLATINUM CARD (where COMPLIMENTARY AMERICAN applicable and included in EXPRESS® CREDIT CARDS - previous/existing product NEW suite)** Onefinestay – up to Hilton Honors™ – Gold-tier Visa Luxury Hotel Collection – 10% discount and benefits. status, special privileges and best available rate guarantee, Marriott Bonvoy™ – benefits. VIP guest status and room complimentary nights at Golden Circle Jade membership upgrades. participating hotels. benefits at Shangri La Hotels Various other hotel benefits. and Resorts. (Visa Infinite benefit only) Radisson Rewards Gold tier membership and benefits. Various World Mastercard Cruise liner benefits with Agoda.com – lowest rates onsite offers and promotions. Silversea, Holland America, online; receive up to Regent Seven Seas and Crystal 7% discount (Visa). Cruises as and when promoted Hotels.com – up to 8% off by American Express. booking (Visa). Various Visa onsite travel and incity dining offers. TRAVEL Free comprehensive travel Free comprehensive travel Visa Infinite : Free multitrip INSURANCE insurance – $500 000 insurance – R10 million travel nsurance – US$2 500 000 emergency medical cover and emergency medical cover and medical cover and cover for lost cover for lost baggage, travel cover for lost baggage, travel baggage, travel delays, trip delays, trip cancellations, etc. delays, trip cancellations, etc. cancellations, etc. (the complementary American Express card only offers a free basic travel insurance cover up to R3m) N/A N/A Visa Infinite : Collision damage waiver for excess on rental car damage. N/A N/A Visa Infinite : Extended warranty (double warranty up to 24 months). Purchase protection against N/A Visa Infinite : Purchase theft and accidental damage of protection against theft or items purchased with the card accidental damage of new item within six months of purchase. purchased (up to one year). ATM robbery cover. N/A N/A CONCIERGE AND 24-hour Mastercard Travel Amex Travel Concierge Service 24-hour Visa Infinite Concierge SUPPORT Concierge. Desk and travel emergencies. Desk. Emergency assistance with Emergency assistance with Global client assistance and World Travel Protection World Travel Protection International SOS (Visa Infinite).

OTHER INFORMATION Manage your cards through the Nedbank Private Wealth App (cancel or freeze cards, DIGITAL/MOBILE/CARDLESS block contactless or online purchases, etc). TRANSACTIONS Scan to pay using the Nedbank Money app or enrol for cardless transactions with Nedbank Masterpass. Clients with the full bouquet (current account, credit card and SHOP Card) will receive a card with a multi-functional chip that enables clients to access the credit and cheque facility on one card (with the Amex card you will also be able to access your Greenbacks * MULTI- AND SINGLE- account or the Greenbacks SHOP Card). Supplementary cardholders can receive cards FUNCTIONAL CHIP with multi- or single-functional chip, depending on the primary card. Clients who do not have the full bouquet will receive the single-functional chip cards, which allow access to only the one specific account the card is linked to.

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If you currently have the benefit of this card as a free product under your current ** NEDBANK PRIVATE WEALTH package, the card (with its linked Priority Pass card) will remain as a free benefit to you AMERICAN EXPRESS® for this year only. We will contact you before implementing the change for this card, at PLATINUM CARD which point you will be able to retain the card with all its benefits at the standalone card maintenance fee or discuss alternative options with your banker.

ALL VISA INFINITE BENEFITS CAN BE VIEWED AT VISACARDS.AFRICA OR AT https://www.nedbankprivatewealth.co.za/content/private-wealth-sa/south-africa/en/info/VisaInfinite.html.

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