SHARES FIXED PERIOD PAID-UP SHARES* 7.12% Half Yearly 7.12% Monthly 7.00%   INDEFINITE PERIOD PAID-UP SHARES 5.75% Half Yearly 5.75% Monthly 5.60%   Effective 22 August 2012 SUBSCRIPTION SHARES 5.75% Effective 22 August  2012   *Note: All rates are quoted per annum. FIXED DEPOSITS* THIRTY TWO DAY DEPOSITS R 10 000- R99 999 3.40% R100 000 AND OVER 3.90% SHORT TERM DEPOSITS (R 5000 Min)   MATURITY MONTHLY 2-6 Months 4.90% 4.80% 7-11 Months 5.11% 5.00% LONG TERM DEPOSITS (R 5000 Min)*     ANNUALLY 1/2 YEARLY 12-18 Months 5.64% 5.56% 19-35 Months 5.98% 5.88% 36-59 Months 6.30% 6.19% 60 Months 7.00% 6.86%

SAVINGS ACCOUNTS ORDINARY SAVINGS 0.15% TRANSMISSION 0.15% SUPER SAVER 3.00%  SPECIAL SAVINGS EFFECTIVE RATES R 500 - 999 0.10% R 1000 - 4 999 0.20% R 5000 - 7 999 0.25% R 8000 - 9 999 0.25% R 10 000 - 14 999 0.75% R 15 000 - 19 999 1.00% R 20 000 - 24 999 1.25% R 25 000 - 39 999 1.50% R 40 000 - 49 999 1.75% R 50 000 - 74 999 2.00% R 75 000 - 99 999 2.25% R 100 000 2.50% OTHER DEPOSITS ONE DAY NOTICE DEPOSITS R 5 000 AND OVER TIERED RATES ON APPLICATION CORPORATE SAVERS DETAILS ON APPLICATION MONTHLY 5.50% 5.80% 6.10% 6.75%   *DENOTES LATEST CHANGES

Note: +0.50% for Clients over 45 years (from 12 months) LOANS MORTGAGE LOANS* PERSONAL LOANS VARIABLE STANDARD RATES* OWNER OCCUPIED DWELLINGS/SECT TITLE   8.75%   BRIDGING/UNSECURED 15.50% NON-OWNER OCCUPIED/ COMMERCIAL/FLATS   9.75%   PARTLY SECURED 13.00% VACANT LAND  10.75%   FULLY SECURED/APPROVED SCHEMES 11.00%         Existing effective from 28 January 2013 Existing effective 1 August  2012 FIXED BOND RATES   GBS PRIME   8.50% 12 months Details   Effective 23 July 2012 18 months    On     24 - 36 months   Application

DEALING WITH DEFAULT JUDGMENTS? Port Elizabeth Attorneys, Joubert Galpin Searle have the solutions ...  MORE

2012 ANNUAL FINANCIAL REPORT  MORE