SHARES FIXED PERIOD PAID-UP SHARES* 8.14% Half Yearly 8.14% Monthly 8.00%   PERMANENT PAID-UP SHARES 7.40% Half Yearly 7.40% Monthly 7.25%   Effective 1 May 2010 SUBSCRIPTION SHARES 7.40% Effective 1 May 2010   *Note: All rates are quoted per annum. FIXED DEPOSITS THIRTY TWO DAY DEPOSITS R 10 000- R99 999 5.00% R100 000 AND OVER 5.50% SHORT TERM DEPOSITS (R 5000 Min)   MATURITY MONTHLY 2-6 Months 6.10% 6.00% 7-11 Months 5.90% 5.75% LONG TERM DEPOSITS (R 5000 Min)*     ANNUALLY 1/2 YEARLY 12-18 Months 6.17% 6.08% 19-36 Months 6.27% 6.17% 37-60 Months 6.75% 6.64%

SAVINGS ACCOUNTS ORDINARY SAVINGS 0.25% TRANSMISSION* 0.25% SUPER SAVER* 4.25%  SPECIAL SAVINGS EFFECTIVE RATES R 500 - 999 0.25% R 1000 - 4 999 0.50% R 5000 - 7 999 0.75% R 8000 - 9 999 1.00% R 10 000 - 14 999 1.25% R 15 000 - 19 999 1.50% R 20 000 - 24 999 1.75% R 25 000 - 39 999 2.00% R 40 000 - 49 999 2.25% R 50 000 - 74 999 2.75% R 75 000 - 99 999 3.25% R 100 000 3.75% OTHER DEPOSITS ONE DAY NOTICE DEPOSITS R 5 000 AND OVER TIERED RATES ON APPLICATION CORPORATE SAVERS DETAILS ON APPLICATION MONTHLY 6.00% 6.10% 6.55%   *DENOTES LATEST CHANGES

Note: +0.50% for Clients over 45 years (from 12 months) LOANS MORTGAGE LOANS PERSONAL LOANS* VARIABLE STANDARD RATES DWELLINGS/SECTIONAL TITLE 10.00%   BRIDGING/UNSECURED 17.00% COMMERCIAL/FLATS 11.00%   PARTLY SECURED 14.50% VACANT LAND/RESIDENTIAL 12.00%   FULLY SECURED/APPROVED SCHEMES 12.50% PRIME LINKED 10.00%     Existing effective from 1 April 2010 Existing effective 1 April 2010 FIXED BOND RATES   GBS PRIME* 10.00% 12 months Details   Effective 30 March 2010 18 months    On     24 - 36 months   Application

The following is a summary of the tax related budget proposals announced by the Minister of Finance on 17 February 2010.  MORE

Economic Update: Second Quarter 2010  MORE

Download the 2010 Annual Report  MORE