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Financial and Safety tips

1. Only obtain credit rom institutions that display that they are registered

with the NCR.

2. Draw up a budget and develop a savings plan.3. Make sure that your monthly repayments are covered in your current

budget.

4. Be fnancially awake take action as soon as you realise that you cannot

pay any instalment.

5. Make sure that you do not deault on your accounts, as this will result in

additional interest being charged.

6. Always ensure that you know what the interest percentage is converted

into rands and cents.

7. Understand your insurance cover.

8. Be alert o card scams and always keep your Credit Card PIN sae.

9. I your Credit Card is swallowed by the ATM or is lost, it is advisable to

phone the card line immediately or stop your card via your mobile. To

connect to mobile services call 086 1000 351.

10. Good credit health is an investment in your uture.

*Terms, conditions and aordability rules apply.

NCR Reg No. NCRCP5. An Authorised Financial Services and Registered Credit Provider.

Reg No1975/002526/06.

Long TermPersonal Loans

AB/2010/02/LTPL

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Long Term Loans

With Arican Bank, you dont have to wait or lie to start. You can enjoy the

liestyle you want now, with Arican Banks personal loans tailor made or

you. You might need credit or adding that extra room to the house, or your

own or your childs education or may want to pay o your debt.

Whatever your needs, Arican Bank oers personal loans up to R100,000*

with comortable terms o up to 72 months* to repay. Or, i you preer,

shorter repayment plans are also available.

Insurance benefits* to give you the peace of mind thatyou are financially protected

Death beneft

Permanent disability

Temporary disability

Retrenchment benefts - Instalment cover

- Settlement cover

- Re-employment beneft

- Short time cover

- Compulsory unpaid leave/temporary layo

* Insurance terms and conditions are available on the website or in-branch.

PERSONAL LOANS

We want you to enjoy the life you

want to live, right now.

Long Term Loans

Loan amount R 12,000 R 14,000 R 16,000 R 22,000 R 30,000 R 50,000

Loan term

(months) 12 18 24 36 60 72

Fixed monthly

repayment*R 1,320 R 1,090 R 988 R 997 R 997 R 1,474

Total repayment* R 15,843 R 19,615 R 23,722 R 35,904 R 59,841 R 106,136

Interest rate & fees*

* Interest rates based on your individual risk profle and aordability.

* Initiation ees based on repayment term.

* Initiation ee, insurance ees & service ees included.

* Repayments include VAT. Prices correct at time o publication, but subject to

change.

Connect with us the easy way

For the ollowing services, connect via your mobile to:

Check current loan and Credit Card account balances,

instalments and payment dates.

Buy pre-paid airtime (MTN, Vodacom, and Cell C)

using your Arican Bank Credit Card.

Stop your Credit Card i it is lost or stolen.

To connect call 086 1000 351

How to qualify:

Be 18 years or older, and bring the ollowing to apply: ID, latest

original payslip, 1 months bank statement reflecting your salary

deposit or savings book and proo o residence.**

** Proo o residence; any o the ollowing documents, amongst others, reflecting your

name and current residential address would be accepted: latest utility bill, municipal

account, retailer account, document rom an insurance company, payslip, letter rom a

traditional authority, ward counselor or declaration rom a landlord and afdavit rom a

person who is living with you. Documents should be less than 3 months old.

Call 0860 333 004 or visit your closest branch

and get credit that works for you.