YOUR PRIVATE BANKING EXPERIENCE FROM NEDBANK

PROFESSIONAL BANKING

see money differently

MAKING BANKING MORE PROFESSIONAL FOR YOU

Whether you are operating as a specialist in your field, climbing the corporate ladder, pursuing entrepreneurial ventures, or simply looking for a professional banking experience that emphasises convenience, quality and flexibility, Professional Banking is the answer. With dedicated relationship bankers, tailored financing and investment options and 24/7 service, we provide a seamless banking experience for you and your family. This offering is designed to enable your financial aspirations, comes with the rewards and lifestyle benefits you deserve and is flexible to grow as your needs grow.

CONTENTS

With a dedicated relationship banker, 24/7 support and easy-to-use digital channels, we provide a seamless banking experience for you and your family.

BENEFITS PLUS REWARDS FOR THE ENTIRE FAMILYAccess the rewards and lifestyle, travel and household banking benefits that you deserve 6

FINANCE THAT LETS YOU DREAM BIGObtain funding to unlock the lifestyle you work hard for 10

UNIQUE INVESTMENTS TO SUIT YOUR LIFESTYLEPlan for the future, reach your financial goals and make your money work for you 8

WAYS TO BANK THAT SUIT YOUR HOURSChoose from a range of worldclass secure banking channels that allow you to stay on top of your finances, no matter where you are

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A BANKING PACKAGE THAT WORKS AS HARD AS YOU DOExperience a banking solution that emphasises convenience, quality and flexibility 4

TAILORED OFFERINGS FOR YOUNG PROFESSIONALSAND THOSE 55 YEARS AND OLDERExclusively for Professional Banking clients. Get up to50% off your monthly banking fees

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GET A PRIVATE BANKING EXPERIENCE TAILORED FOR PROFESSIONALSLIKE YOU

DAY-TO-DAY BANKING BENEFITS• Contactless-enabled cheque and credit cards,

delivered to your door free of charge.• Unlimited swipes, debit orders and ATM

withdrawals and deposit.• No-funds Alert, so you’ll always know if your

account is running low.• Overdraft facility for extra cashflow, should

you need it (for an additional monthly fee). • Travel benefits, including unlimited local and

ten international airport lounge visits, travel insurance, free delivery of your forex and 50% discount on the prestigious American Express® Platinum Charge Card (for the first year only).

• Greenbacks rewards are earned on your everyday card spend.

INTERNATIONAL BANKING • Diversify your portfolio or hedge your position

against currency fluctuations with our Foreign Currency Account.

• Global banking specialists are available to assist you in making or receiving crossborder payments.

24/7 RELATIONSHIP ACCESS• Your dedicated relationship banker is

accountable for your banking relationship, is trained to handle even the most complex requests and appreciates your personal circumstances. He/she is accessible by email, phone or on appointment.

• Your exclusive professional banking contact centre can be accessed for account maintenance and service-related requests – available 24/7 by phone, email or in-app chat.

• Your account can be managed your way through the Nedbank Money app™ and Online Banking.

SPECIALIST ADVICE FOR LENDING, INVESTMENTS AND FINANCIAL PLANNINGWhether access to our dedicated credit team, direct dealing with treasury or financial planning to ensure that your financial future is secure, your dedicated relationship banker will liaise with specialists to ensure you get the best possible deal.

All credit applications are subject to final credit approval, and terms and conditions apply.

See the difference your money can make with Professional Banking from Nedbank. You get a dedicated banker, 24/7 service, preferential rates, platinum cards and rewards – all for a single monthly fee. A pay-as-you use option is also available.

A banking package that works as hard as you do

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YOUR BENEFITSAND LIFESTYLEREWARDS FORTHE ENTIREFAMILY

GREENBACKS REWARDSEarn rewards on your everyday card spend and access exclusive discounts. Double your earnings by swiping your American Express® Greenbacks Cheque or Credit Cards. You can shop with, invest or donate your points. Use your Greenbacks SHOP Card for automatic conversion of your points to cash, and even to withdraw cash from ATMs. Alternatively, redeem via the Nedbank Money app™ and Online Banking.

HOUSEHOLD BANKINGYour relationship banker is equipped to provide the right banking solutions to suit the various members of your household.

As an extension of our offering to you, your family automatically qualifies to experience the same great benefits, including:•Access to your dedicated relationship banker

for their banking needs.• Secondary platinum cards for your spouse –

this means your spouse can access airport lounges and earn Greenbacks rewards at the same level as you.

• Accounts for your children (at school or university) and even for your domestic worker(s).

Furthermore, we take a household view when assessing your credit application(s).

LOCAL AND INTERNATIONAL TRAVEL BENEFITS FOR THE ENTIRE FAMILY• Gain free and unlimited access to Bidvest

Premier airport lounges when flying locally or departing from South Africa – just swipe your Professional Banking Cheque or Credit Card at reception.

• Enjoy four local airport visits for children each calendar year at South Africa’s local and international Bidvest departure lounges (children under two enter for free).

• Enjoy ten international airport lounge visits per calendar year at over 800 LoungeKey lounges. You are entitled to take in one guest with each visit.

• Pay for your flights using your Visa Signature card and automatically get $750 000 in travel insurance.

• Order foreign currency (bank notes and/or a travel card) and we’ll deliver it to your door.

• The Nedbank Travel Card allows you to preorder and prepay for multiple foreign currencies so you can swipe at no additional costs. You can load up to eight major currencies at the same time.

• Access international lounges, concierge services and exclusive hotel and car hire benefits through Nedbank’s prestigious American Express® Platinum Charge Card. Professional Banking clients qualify for a 50% discount on the first year’s annual fee.

Benefits plus rewards for the entire family

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BENEFIT FROM EXPERT FINANCIAL ADVICE AND PREFERENTIAL RATES

FLEXIBLE INVESTMENT OPTIONSYour financial growth comes with important decisions and responsibilities. Nedbank offers a wide range of investment options, from simple savings and money market accounts to unit trusts, share trading and other more complex investment options. The choice is yours and your relationship banker is there to guide you based on your specific risk appetite, cashflow needs and required returns.

Ask your relationship banker about a Call Account for short-term savings or exclusive investment products, such as Platinum Invest or Platinum Fixed Deposits – only available to Professional Banking clients.

Your banker can source tailored rates for investments over R250 000. For investments over R10 million professional services from Nedbank’s Treasury Desk are available to you.

FOREIGN CURRENCY ACCOUNTDiversify your portfolio or hedge your position against currency fluctuations with our Foreign Currency Account. Global banking specialists are available to assist you in making outward payments or receiving crossborder payments.

STOCKBROKING SERVICESWe offer a choice of investment approaches depending on your skills, desired level of involvement and risk appetite. Trade online independently or we’ll introduce you to your own professional stockbroker.

WEALTH CREATION, PRESERVATION AND PROTECTIONWe’ll give you access to a financial planner to assess your financial position and your future goals, consider different retirement scenarios, calculate the various costs and design an investment portfolio that will suit you and your household.

We offer a comprehensive service including will drafting (offered free of charge) and contingent liability cover; education planning for your children; and estate and retirement planning.

Preferential investment rates and even access to direct dealing through our Treasury Desk for larger investments means you will get the best the market can offer and the flexibility you require.

Unique investments to suit your lifestyle

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GET THE FINANCE THAT SUPPORTS YOUR PERSONAL AND PROFESSIONAL ASPIRATIONS

OVERDRAFT OR BRIDGING FINANCEThis is ideal for financing ad hoc needs or managing short-term cashflow constraints.

VEHICLE FINANCEIf you are in the market for a car, Nedbank is here to support you. Contact your relationship banker to get a provisional answer within minutes. BUYING OR BUILDING A HOME Are you buying, renovating or building your dream home? We have the right finance solution for you. Contact your relationship banker for a quote or get an instant bond indication online. We offer 100% bonds on homes of up to R5 000 000.

STARTING YOUR OWN BUSINESS OR PRACTICENedbank has extensive experience in serving small businesses. We offer a comprehensive suite of payment, investment and finance solutions, as well as industry specialisation and services that extend beyond banking. Register your business and open a business account in one seamless step at Nedbank.co.za/business or contact us on 0860 116 400.

INSURANCEMake sure your assets are protected against unforeseen events. Nedbank Group Insurance Brokers can manage your individual, household and/or business insurance needs and factors in all the required details to make sure you are covered.

All credit applications are subject to final credit approval, and terms and conditions apply.

Our credit approach and lending specialists are geared towards the needs of both up-and-coming and established clients. We take into account yourtrack record, career goals and multiple income streams when assessing yourfinance requests.

Finance that lets you dream big

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24/7 SECURE BANKING YOUR WAY

You can:•scantopay;•viewyourbanker;•freezeandunfreezecards;•checktheappregularlyfor

new self-service options;•redeemGreenbackpoints;and•dosomuchmore.

Our worldclass banking channels are quick, safe and offer an easy way to manage your money on the go. Bank at any time and anywhere with a wide range of tools andself-service features available to you.

A dedicated Relationship Banker to partnerwith you. He/she is well equipped to understand your needs;provide value-added and relevant financial advice, offer education on product features and services, resolve enquiries and manage your credit applications efficiently.

Your dedicated contact centre team is a committed, dedicated team who are on call for you 24 hours a day. They can be contactedfor enquiries relating to banking, lost cards, credit cards, investments,home loans and vehicle finance. Call 0860 555 222or visit professionals@nedbank.co.za.

Relationship Banker

Contact Centre with 24/7 support

Nedbank Money app™ and Online Banking

R9 753.46

R320 000.90

Available balance

Current balance

Everydaybanking

R154.62Pay-as-you-use

R7.00Ke Yona Bundle

R9 591.84Savvy Bundle

My accounts

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DIGITAL BANKINGNedbank Money app™ and Online Banking ensure you have easy and safe access to your money anytime, anywhere. Manage your money like never before through our digital channels, which give you complete control of your finances and provide convenient self-service functionality such as:• QuickPay,allowsyoutopayyourbeneficiaries

in just two clicks.• ReduceorincreaseyourATMcardlimit.• Lostcards–simplyfreezeitandwhenyoufind

it, unfreeze it and start transacting right away.• Blockandreorderyourcardandwe’lldeliverit

free of charge.• Greenbackspoints–ourdigitalchannelsgive

you the option to view your balance in rands and you can use your points to buy airtime, data, electricity or even pay for your banking fees.

• Viewyourbankerdetails.

EXCLUSIVE TO MONEY APP• HeyNed,avirtualassistantontheappwillhelp

you with everyday tasks outside of banking, whether you are needing a moving company or need to book travel.

• Lookingforahome–useHomeBuyonthe app to get a preapproval as well as search for properties.

• Frequenttravellers–activateyourcardtotransact overseas as well as forex and overseas travel notifications.

• LookoutforQRcodesandpayusingyourMoney app, select Scan to Pay.

Please note: we are continuously adding new self-service functionalities, so look out for more.

Because your schedule doesn’t keep average banking hours, neither do our services.

Ways to bank that suit your hours

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A BANKING EXPERIENCE THAT IS TAILORED TO YOUR LIFE STAGE

GET FAST-TRACKEDTo help you in the early stages of your career Nedbank offers you all the banking, rewards and lifestyle benefits of our Professional Banking offering at a 50% reduced monthly service fee*.

TAILORED FINANCEWith the support of your dedicated relationship banker, credit decisions are personalised to your unique circumstances and you can get: • 100% loans for home loan applications of less

than R1,5 million; and• 100% loans for vehicle finance applications of

less than R400 000.

FINANCIAL ADVICEAs a young professional you are building a portfolio of financial assets. Your financial growth also comes with important decisions and responsibilities. We’ll give you access to a financial planner to assess your financial position and your future goals, consider different retirement scenarios, calculate the various costs and help you determine the optimal portfolio for your circumstances. We’ll even draw up a will for you for free. As you gain experience, get the professional banking experience that comes with the benefits that matter and is flexible enough to grow as you grow.

For young professionalsIf you are under 30 years old and hold a four-year qualification, we know you are going places.

For 55 years and olderWe’re offering our valued clients from the age of 55 years the ability to benefit from significant rebates off your montly fees.

Tailored offerings for Young Professionalsand those 55 years and older

* A discounted monthly service fee is available until you reach the age of 30 years.

Please note: All credit applications are subject to final credit approval, and terms and conditions apply. 14

TO QUALIFYYou will need to remain on the Professional Banking bundle and maintain an average monthly balance of R300 000 in any Nedbank investment. Qualifyinginvestmentsinclude32-daynotice,Money Market and Call, fixed or term accounts.

Every month you meet this criteria, we will automatically pass the relevant amount back into your account ie:•30%backforthoseagedbetween55-64years•40%backforthoseagedbetween65-74years•50%backforthoseaged75yearsormore

Your dedicated banker is available to discuss your specific needs and make switching to Nedbank a seamless process for you and your family.

Contact us today on 0860 555 222 or email us at professionals@nedbank.co.za.

We are available 24/7 for banking queries or to arrange an appointment.

Nedbank Limited Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).

FOR MORE INFORMATION PLEASE VISITnedbank.co.za

GO PROFESSIONAL