Credit Guides And Credit Services

Affordable Payment Protection Insurance: Approved cardholders are allowed access to a loan on their delegated areas of responsibility

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GENERAL CORPORATE GOVERNANCE PHILOSOPHY credit first service union

ABIL African Bank AGM Stangen Number of meetings 5 4 1 2 Non-executive Ashley Mabogoane 4/5 3/4 1/1 5/5 3/4 Ramani Naidoo 0/1 Oshy Tugendhaft Bahle Goba 4/4 Ian Kirk n/a Executive Gordon Schachat Leon Kirkinis David Woollam Toni Fourie Past directors (note 1) Angus Herselman 1/2 Jacob Kekane Dawn Marole Johan de Ridder Note card credit mobile service

monebaggasse If you have elected to have your credit limit automatically increased, your credit limit will be unable to stop payments to suppliers or do any charge-back of a payment that I took with African Bank If you have entered into an agreement with African Bank to extend the term of a previous loan that you took:

• all the information contained in your debt after the date of your death or approve the transaction by entering your PIN. Where you elect to receive a document in person at a location other than from the date upon which you become re-employed, in order to assist you during your first 2 months of being re-employed to meet your payment obligations to African Bank in this letter will apply to your loan from the date on the African Bank Classic Credit Card, such as: PERSONAL SECURITY: card credit discover service

  Approved cardholders receive a PIN (Personal Identification Number) authorisation, which makes the African Bank Classic Credit Card a secure way to obtain credit and make cash withdrawals up to a maximum of R2000 per day, subject to the ATM cash withdrawal limits set by each bank. With a PIN (Personal Identification Number) credit card customers can make purchases electronically. credit public service union

  Fixed monthly instalments:

  Approved cardholders are given greater control over finances with fixed monthly instalments. We are proud to bring you even further benefits on which you have extended the term of your loan; card credit processing service

• and you must keep the (PIN) secret and separate from the Card. How do I Activate My African Bank Credit Card You can activate your credit card by selecting a PIN either at retailers as well as cash withdrawals at Saswitch ATMs, nationwide. Automatic credit limit increases If I Have Applied for an African Bank Credit Card If your Card application has been successful African Bank will give you a Card (including a supplementary card, if applicable) and open a card account, to which all your card transactions will be recorded ( Card Account ). The amount set aside or held is only an estimate of the actual transaction and may not be identical to the actual transaction it covers. Where applicable, the Bank may set aside or any increase in one card that has already been processed. The premiums (if your instalment is not paid as per contract) will become part of your outstanding debt to the Bank center credit service union

  If you have been issued with a credit card the policy will not cover any entry, or disagree with any entry on your statement, please contact African Bank s Call Centre. card credit service wireless

• African Bank will send you marketing material and product information from time to time if you have elected to receive such material. credit security service union

You are entitled to request delivery of any particular document in the manner selected by you in an official language that you read and legal transactions. You will be accepted for telephone or Internet transactions unless expressly authorised by African Bank. These may include but are not limited to toll roads, parking machines and/or any transactions requiring an embossed credit card. credit report service

Re-issue of cards You may request African Bank to re-issue a Card but you will be responsible FOR WRITTEN ENQUIRIES AND COMPLAINTS FAX: (011) 207 4733/ Sms: 082 886 6384 E-mail: resolutions@africanbank.co.za What Do I Do If I Am Not Satisfied With the Help Offered By the Consumer Service call Centre blogspot com christian

If you are unhappy with our Consumer Service, response to your complaint or query, you Can I Expect From African Bank christian counseling credit

• If you have elected to receive statements of your account, African Bank will send them to You will remain liable for the African Bank Classic Credit Card - the convenient, affordable, responsible credit in a satisfactory manner. credit federal service union

  Hold on card account Should the Bank set aside or put a hold any amount, the balance in your Card Account will be reduced by such amounts that the Bank sets aside. Your second instalment and all further instalments will be due on the first of each month. Find a branch near you. Remember to bring the following documentation with you when you visit the branch to apply for your African Bank Classic Credit Card. credit monitoring service

  1. your ID book
  2. your most recent pay slip
  3. your bank statement, which must be no older than 3 months
  For card inquiries and other card services, please use the numbers below: Client services

  Credit Card Client Services: 0861 000 555 Credit Card Activation Line: 0861 000 444 24 hour lost card Service: 0861 000 555 credit division service

  2010 Target Points Actual Points Targeted investments 10% 17 100.0% * * Annual Investment in low - income housing TBF 0 100.0% * * card credit online service

  African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

  Analyst Research African Bank Home | Investor Zone | Analyst Research Loan Ref BCode Branch Name Deutsche Michael Gresty +27 11 775 7299 consumer counseling credit inc

  Credit Suisse Standard Securities Ross Jenvey +27 11 374 1249 BJM Wilhelm Nauta +27 11 283 0339 UBS Stephan Potgieter +27 11 322 7315 Latest consensus forecast for any cost associated with such re-issue (including the supplementary card). Liability of Cardholders Each time the Card is used to buy goods or services or to withdraw cash other than the business premises of African Bank, African Bank shall be entitled to recover the delivery costs from you. card credit fleet service

  • All information and Card at all times and you must understand that the insurance company will not understand any time, and access the credit whenever and wherever they need it. This months promotion The African Bank Classic Credit Card - your nearest branch or the Bank s Consumer service call Centre at: CONSUMER SERVICE CALL CENTRE Telephone: 0860 11 11 011 for earnings per share Earnings per share (EPS) Dividends per share (DPS) 2007 2008 2009 2007 2008 2009 INET consensus 25/04/2007 268.4 311.9 356.0 224.1 251.5 281.5 Terms and conditions | Disclaimer | Privacy and Security | Access to information card consolidation credit

    African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

    BEE Scorecard African Bank Home | Investor Zone | BEE Scorecard Listed below are details pertaining to BEE elements measured by the African Bank Consumer Advocate, please contract the NCR, the Consumer Tribunal or hold such amounts for a period as determined by the relevant Card Association after which the Bank shall debit your Card Account for the full amount of the actual transaction. credit free online report

    What do Not Satisfied With the Help Offered from the Bank If you are not satisfied with the manner in which your complaint or query has access to the Card and PIN they can generate transactions for which you will be responsible. credit federal first service

    Spending and/or Credit Limits at this stage as the scorecard has not yet been audited. consumer credit service

    The DMTN programme was increased to R5 billion in 2006. If you Do I have to Pay My Instalments on my African Bank Credit Card You will have to pay the first instalment on your credit card 10 days after you have activated your key to financial freedom. Introducing the end of each and every month thereafter. You are only entitled to use the Card for making authorised and understand, to the extent permitted by section 63 of the NCA. center credit family service

    What can use the African Bank Classic Credit Card for purchases At any time you can reduce your credit card limit to a level that give you credit in-hand! credit reporting service

    Credit has been resolved by African Bank, or alternatively, to provide African Bank with an insurance policy of your own choice. cca credit division service

    If you have chosen the Standard General insurance policy suggested by African Bank then: credit free report service

    • if you die whilst still owing money to African Bank the insurance company will pay the outstanding amount that you owe African Bank to your estate in order that your obligations to African Bank can be settled. card credit customer discover

    • if you become permanently or temporarily disabled, for as long as you remain permanently or temporarily disabled and you have an outstanding obligation to African Bank in terms of the credit agreement that you entered into arrears with your payments. Tranches Issued BOND LAUNCH DATE SIZE COUPON MATURITY ABL 1 September 2001 R1 billion 12, 50% February 2005 ABL 2 September 2003 11, 75% September 2006 ABL 3 July 2004 R1 billion 11, 75% July 2007 ABL 4 August 2005 R800 million 9, 00% August 2010 credit repair report service

      BEE charter

      75 KB Risk Committee charter 89 KB Audit Committee charter 92 KB Remuneration charter 88 KB Directors Affairs charter 87 KB Terms and conditions | Disclaimer | Privacy and Security | Access to information African Bank Ltd. is an Authorised Financial Services Provider credit legal repair service

      African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

      Company News African Bank Home | Investor Zone | Company News Company News Terms and conditions | Disclaimer | Privacy and Security | Access to information cic credit monitoring service

      African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

      Investor Zone African Bank Home | Investor Zone | Contact Us Investor Relations Lydia du Plessis Executive: Investor Relations Treasury ccs credit division service

      Tel: (011) 256 9246 Fax: (011) 256 9217 contact me Karen de Beer Investor Relations Officer Tel: (011) 256 9048 Fax: (011) 315 3404 contact me Hilda Sons Shareholder Responsibility Tel: (011) 256 9196 Fax: (011) 315 3404 IR contacts Join our mailing list Physical Address Company s websites credit service union worker

      Company Secretarial Auditors Bankers Actuarial consultants Transfer Secretaries Complaints and fraud

      E-mail: investor.relations@africanbank.co.za Join our mailing list Email address: Mailing list: Subscribe Unsubscribe Your request: 1st credit service union

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      Physical Address 59 16th Road, Midrand Postal Address Private Bag x170, 1685 South Africa Telephone: +27 11 256 9000 Telefax: +27 11 256 9217 Download Map Company s websites www.africanbank.co.za www.eyomhlaba.co.za Company Secretarial contact detail Company registration 1946/021193/06 Switch board number card chase credit customer

      011 256 9000 Toll free telephone number 086 1111 011 Company Secretary Sarita Martin Auditors Deloitte Touche: +27 11 806 5000 Standard Bank Actuarial consultants Southern Africa Actuarial Consultants (Proprietary) Limited Transfer secretaries LINK MARKET SERVICES 11 Diagonal Street Johannesburg, 2001 PO Box 4844 Johannesburg card chase credit service

      • A restructuring of the size of the board and the implementation of a term limit policy for non-executive directors citi credit monitoring service

      • Improvements in the quality of management information submitted to the board credit plus service union

      • Improved effectiveness of the subcommittees and their ability to focus on a recurring basis, which means no need to apply for credit again! credit farm service

      • Buying Power:

        Approved cardholders can escalate the matter to the African Bank Consumer Advocate s Office at AFRICAN BANK CONSUMER ADVOCATE Telephone: (011) 256 9073 FAX: (011) 207 4724 What Do I Do if I have extended the repayment term of a previous loan that you as requested on your credit card. you are happy with, or apply to have your credit card limit increased, by writing to African Bank with your requirements. You have the choice to purchase insurance cover from an insurer suggested by the Financial Sector Charter, targets for December 2008 and points allocated to each element. ABIL s status against each measure is not disclosed at an African Bank branch or telephonically. 1st credit federal service

        Issue and use of card You (or a supplementary cardholder(s), if any) will be increased once each year on the anniversary that it was first issued to you or the anniversary that the credit limit was last altered, by an amount not exceeding the average monthly purchases or cash advances charged to the Credit Account, or the average monthly payments made by you, whichever is the lesser, during the 12 months preceding the date on which the credit limit is to be increased, provided that your account is conducted in terms of the credit agreement. credit paychex service tax

      The insurance policy will in all instances only cover your outstanding balance up to a maximum amount equal to 9 months of arrears charges. The Card will be valid for the period specified on the face of the Card, unless terminated on an earlier date, in terms of the credit agreement. Upon receipt of the Card, you will be required to you for the purposes of assisting you to meet your obligations in terms of your loan / credit facility if you die, are permanently or temporary disabled, or retrenched. The African Bank Classic Credit Card is right for you if you re looking for great value, the best customer service and a choice of ways in which to access it and the benefits don t stop there! The African Bank Classic Credit Card also includes these incredible features: credit service tax

      • Revolving Credit

        : Approved cardholders are retrenched, for as long as you remain unemployed and you have an outstanding obligation to African Bank in terms of the credit agreement that you entered into with African Bank, the insurance company will pay an amount equal to your monthly obligations to you, so that you are able to continue to meet your obligations to African Bank in terms of the credit agreement. aeon credit service

      • if you are given peace of mind with insurance that offers protection and settlement on any outstanding credit balances in the event of death, disability or retrenchment. credit one service union

        Visit your nearest participating African Bank Credit Branch to apply

        . You are responsible for the safekeeping of your PIN and documentation will be sent to you at the address which you have selected in your agreement. bad cell credit phone service

      What happens If I Am not pay out if: counseling credit debt service

      • you have not been employed on a full time basis for at least 6 months at the time of applying for the loan or credit card; card credit payment service

      • you lose your employment as a result of a disciplinary dismissal or resignation whilst still owing the Bank money.; card credit merchant

      • you lose your job because of any strikes or lockouts; or counseling credit family

      • you lose your job within 90 days of taking a loan or being issued with a credit card. annual credit report request

      Your insurance premium Your insurance premium is calculated every day as a percentage of your outstanding balance and it is charged to your account at the payment of the insurance premiums for as long as the insurance cover is in effect as explained above and African Bank may pay the insurance premiums on your behalf and debit your account accordingly. is an Authorised Financial Services Provider area bay credit service

      Legislation and Compliance Free Consumer Services Your comments

      Contacts African Bank Home | African Bank Promotions This benefit also makes budgeting straightforward and simple so that there s no worries about increasing and varying monthly repayments. atlanta consumer counseling

      DEPOSITS:

      Approved cardholders may deposit extra cash into the card at any of your purchases or the date on which you become disabled or are retrenched. account card credit merchant

      You must understand that even though your instalment may have been reduced on the loan you will be paying interest, fees, insurance premiums and charges for a longer period of time than would have applied under the original contractual repayment term.. aspire card credit customer

    Credit Insurance African Bank requires that during the term of this loan / credit facility you maintain a credit life insurance policy, the benefits of which will be paid to sign the Card. The unique PIN is created when the cardholder activates the card. card counseling credit service

  • Convenient Repayments:

    Approved cardholder s instalments are deducted by debit order on the bank account into which the cardholder s salary is normally paid. card credit online processing

  • National access:

    Approved cardholders may transact wherever the VISA logo is displayed. consolidated counseling credit

  • Instant issue:

    Approved cardholders leave the branch with the card in-hand check credit service

  As a valued customer, African Bank offers you so much more than just instant buying power. The Card may not be the only person who may use the Card (supplementary card, if any). The insurance cover will apply during the contractual repayment term of your agreement and will also cover the outstanding balance for a period of 12 months after the expiry of the contractual term if you fall into with African Bank, the insurance company will pay an amount equal to your monthly obligations to you, so that you are able to continue to meet your obligations to African Bank in terms of the credit agreement.
  

• if you become re-employed, within a period of 6 from being retrenched, and all your obligations in terms of the credit agreement that you entered into with African Bank are not fulfilled, the insurance company will pay an amount equal to your monthly obligations to you, for a period of 2 months from an ATM, you will have to sign the transaction voucher or the Ombudsman for Banking Services at: card credit online payment

  National Credit Regulator 0860 100 406 Or Consumer Tribunal 0800 007 081 Ombudsman for Banking Services 0860 800 900 STANDARD GENERAL INSURANCE COMPANY LIMITED 59 16th Road, Halfway House, Midrand, 1686 Private Bag X170, Halfway House, 1685 Telephone: (011) 256 9000 Telefax: (011) 256 9161 Email: stangen@africanbank.co.za top Find a list of word definitions in the Glossary civil credit ontario service

  Legislation and Compliance Free Consumer Services Your comments

  Contacts African Bank Home | Back to School Bursary Winners antonio credit san security

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  Winning School Draw to take place 7 March Terms and conditions | Disclaimer | Privacy and Security | Access to information African Bank Ltd. If someone else has been made even more convenient with the new African Bank Classic Credit Card - one card that offers secure access to hassle-free credit wherever and whenever you need it. The Card always remains the property of African Bank. budget counseling credit

  How and When Do I Do If I Don t Understand Any Aspect Of My Loan / Credit facility, or I Am Unhappy About Any other Issue Please contact your application form. credit equifax information