PRICING GUIDE 2016 - Standard Bank

PRICING GUIDE 2016

Home Loans

Initiation fees1

Natural persons

Juristic entities2

R5 985,00

R11 500,00

Monthly service fee (Including Safe Custody accounts)

Usury accounts3

Pre-NCA accounts4

Pre-NCA liberator4

NCA accounts5

Juristic accounts2

R5,70

R57,00

R300,00

R57,00 R68,40

R210,00

Cash deposit fee6 (AccessBond accounts only)

Base fee of R11,00 + 1.30% x cash deposit value

Example (Cash deposit of R3 000,00) Cash deposit service fee R11,00 + (R3 000 x 1.30%) = R50,00

Early termination interest

Should you wish to cancel your bond before the agreed contracted loan term, you are required to provide 90 days notice in writing. If the required notice has not been given or if it has expired you will be charged 90 days pro-rata interest based on your outstanding balance at the time of request for cancellation.

1 Initiation fees are charged on all new loans and on the first further loan where the original loan was registered before 1 June 2007. Applications received before 6 May 2016 will still be charged an initiation fee of R5700.00.

2 Juristic entities are defined as any Company, Close Corporation or Trust, including Foreign companies and Trust, applications from 3 September 2011. 3 Usury Act is defined as loans equal to or less than R500 000 and entered into before the introduction of the National Credit Act on 1 June 2007. 4 Loans greater than R500 000 and entered into before the introduction of National Credit Act on 1 June 2007. 5 Loans entered into after 1 June 2007 will be governed by the National Credit Act. All applications received after 6 May 2016 will be charged at the new rate of R 68.40. 6 The first cash deposit fee per month will no longer be free. All cash deposits will attract the cash deposit fee. Any material change to an agreement entered into before the introduction of National Credit Act on 1 June 2007, will result in a change to your monthly service fee and your total monthly instalment due. Material changes are defined as: ? Change to existing account holders and/or sureties, including members of a Partnership, Company, Close Corporation or Trusts ? Change in the interest rate (excluding changes to Home Loan base rate) ? Change in original loan amount ? Adding or converting facilities ? Changes to loan term ? Voluntary account restructures (not Debt Review) ? Breach in existing agreement, initiated by you resulting in a new agreement.

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UCount Rewards

Join our rewards programme for just R20 a month and collect rewards points every time you shop with your Standard Bank Credit, Cheque or Debit Card. Get up to 20%* back on groceries at 9 major grocery retailers*, up to R2* back in rewards points per litre of fuel at participating Caltex forecourts, up to 5%* back at Participating Rewards Retailers and up to 1.25%* back on all your other purchases. Visit standardbank.co.za/UCount for more info.

* See web for details and T&Cs.

Move forward with our innovative payment and banking products!

SnapScan

SnapScan is an innovative app that lets you pay for things with your smartphone. It's a simple, safe and convenient way to pay. Download* the SnapScan app from your app store or go to , link your bank card and enjoy unbelievably simple payments. SnapScan can be used with any MasterCard? and Visa credit or cheque cards, as well as selected debit cards, issued by any bank in South Africa.

Tap & goTM

Buying small items on the run has just become faster with your MasterCard? contactless card from Standard Bank. Waste no time when you pay for purchases up to R200. All you need to do is tap your card and go. Apply online at standardbank.co.za for yours and use it wherever you see the contactless symbol.

MasterPass

Shopping on your computer, tablet or smartphone online is easier and more secure with MasterPassTM. Download* the app and shop, click and checkout faster online! MasterPass can be used with any MasterCard? and Visa credit or cheque card, as well as selected debit cards, issued by any bank in South Africa. Visit standardbank.co.za/masterpass for more info.

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InstantMoney?

Send money via your cellphone to anyone in South Africa ? quickly and safely! Creating an InstantMoney voucher is as easy as buying airtime ? and funds can be sent by anyone, to anyone ? even if they don't have a bank account. Find out more at standardbank.co.za/ instantmoney

App for Smartphones or Tablets

You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet, make payments, do transfers, buy prepaid airtime and much more. Download* our revolutionary banking app from your app store or at standardbank.co.za/app

*Network providers' standard data charges will apply. Terms and conditions apply.

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Contact details

If you have any questions or need more information please call 0860 123 001. This brochure is not a comprehensive list of our prices, for further information visit us on standardbank.co.za or contact your branch.

Note: Fees charged on grants are subject to change after our annual price review. Prices include VAT and are subject to change.

Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read yourcontract carefully. If you have any questions or need more information please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details.

Standard Bank supports the Ombudsman for Banking Services

Sharecall number 0860 800 900

Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. SBSA 214609-8/15

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