Common use of Fees Table Clause in Contracts

Fees Table. These fees shall apply to all Customers commencing on January 2013 Description Currency GBP EUR USD ZAR AUD On Application Card Activation Fee Free Free Free Free Free Initial Limits Minimum load amount £10.00 €15.00 $20.00 R140.00 $20.00 Maximum load amount £500.00 €750.00 $1,000.00 R7000.00 £1000.00 Load Fees and Limits SMS/Internet Debit/Credit card load (of amount loaded). 2.5% (min £1) 0% 0% 0% 0% Max load (online) £500.00 €750.00 $1,000.00 R7000.00 £1000.00 SMS/Internet Card to Card transfer (of transferred amount) 3% 3% 3% 3% 3% Card load by Payzone/Alphyra Max load amount per load £300 £1.50 €2.00 $3.00 R18.00 $3.00 Card load by Ukash (of load amount) 6% 6% N/A N/A N/A Card load at the Post Office £1.50 €2.00 $3.00 R18.00 $3.00 Maximum Top-Up at Post Office £500.00 N/A N/A N/A N/A Minimum Top-up £10.00 €15.00 $20.00 R140.00 $20.00 Maximum Top-up Amount Per Day £7,000.00 €6,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum ATM Withdrawal £550.00 €750.00 $1000.00 R3,500.00 $1000.00 Maximum Card Balance £10,000.00 €10,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum Daily Spend £7,000.00 €6,000.00 $10,000.00 R60,000,00 $10,000.00 Retail Purchase Fees Retail purchase transaction – UK FREE FREE FREE FREE FREE Retail purchase transaction – Outside UK £1.00 €1.50 $2.00 R14.00 $2.00 Declined transaction fee £0.10 €0.10 $0.15 R1.30 $0.15 ATM Fees ATM withdrawal – UK (of amount withdrawn) 1.5% (min £1.00 max £3.75) 1.5% (min €1.50 max €5.60) 1.5% (min $2.00 max $7.50) 1.5% (min R14.00 max R52.50 1.5% (min $2.00 max $7.50) ATM withdrawal – Outside UK (of amount withdrawn) 2% (min £2.00 max £5.00) 2% (min €3.00 max €7.50) 2% (min $4.00 max $10.00) 2% (min R28.00 max R70.00 2% (min $4.00 max $10.00) ATM balance inquiry fee £0.20 €0.30 $0.40 R2.80 $0.40 Over the counter cash advance – UK £6.00 €9.00 $12.00 R84.00 $12.00 Over the counter cash advance – Outside UK (of amount withdrawn) 2% 2% 2% 2% 2% SMS Fees * SMS balance enquiry check £0.30 €0.45 $0.60 R4.20 $0.60 SMS card block/unblock FREE FREE FREE FREE FREE

Fees Table. These fees shall apply to all Customers commencing on January 2013 Description Currency GBP EUR USD ZAR AUD On Application Card Activation Fee Free GBP Free EUR USD Free Free ZAR Free Free AUD Initial Limits GBP EUR USD ZAR AUD Minimum load amount £10.00 €15.00 $20.00 R140.00 $20.00 Maximum load amount £500.00 €750.00 $1,000.00 R7000.00 £$1000.00 Load Fees and & Limits GBP EUR USD ZAR AUD SMS/Internet Debit/Credit card load (of amount loaded). 2.5% (min £1) 0% 0% 0% 0% Max load (online) of amount loaded). £500.00 €750.00 $1,000.00 R7000.00 £$1000.00 SMS/Internet Card to Card transfer (of transferred amount) 3% 3% 3% 3% 3% Card load by Payzone/Alphyra Max load amount per load £300 £1.50 €2.00 $3.00 R18.00 $3.00 Card load by Ukash (of load amount) 6% 6% N/A N/A N/A Card load at the Post Office £1.50 €2.00 $3.00 R18.00 $3.00 Maximum Top-Up at Post Office £500.00 N/A N/A N/A N/A Max load (Online) SMS/Internet Card to Card transfer (of transferred amount) Card load by Payzone/Alphyra (Max load amount per load £300) Card load at the Post Office Maximum Top-Up at Post Office Description Currency Minimum Top-up £10.00 €15.00 $20.00 R140.00 $20.00 Maximum Top-up Amount Per Day £7,000.00 €6,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum ATM Withdrawal £550.00 €750.00 $1000.00 R3,500.00 $1000.00 Maximum Card Balance £10,000.00 €10,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum Daily Spend £7,000.00 €6,000.00 $10,000.00 R60,000,00 R60,000.00 $10,000.00 Retail Purchase Fees GBP EUR USD ZAR AUD Retail purchase transaction – UK FREE FREE FREE FREE FREE Retail purchase transaction – Outside UK £1.00 €1.50 $2.00 R14.00 $2.00 Declined transaction fee £0.10 €0.10 $0.15 R1.30 $0.15 ATM Fees ATM withdrawal – UK (of amount withdrawn) 1.5% (min £1.00 max £3.75) 1.5% (min €1.50 max €5.60) 1.5% (min $2.00 max $7.50) 1.5% (min R14.00 max R52.50 1.5% (min $2.00 max $7.50) ATM withdrawal – Outside UK (of amount withdrawnFree Free Free Free Free £1.00 €1.50 $2.00 R14.00 $2.00 £0.10 €0.10 $0.15 R1.30 $0.15 GBP EUR USD ZAR AUD 1.5% (min 1.5%(min 1.5%(min 1.5%(min 1.5%(min £1.00 max €1.50 max $2.00 max R14.00 max $2.00 max £3.75) €5.60) $7.50) R52.50 $7.50) 2% (min £2.00 max £5.00) 2% (min 2.002%(min €3.00 max €7.50) 2% (min 2%(min $4.00 max $10.00) 2% (min R28.00 max R70.00 2% (min 2%(min 2%(min $4.00 max $10.00amount withdrawn) ATM balance inquiry Balance Enquiry fee £0.20 €0.30 $0.40 R2.80 $0.40 Over the counter cash advance – UK £6.00 €9.00 $12.00 R84.00 $12.00 Over the counter cash advance – Outside UK (of amount withdrawn) max £5.00) max €7.50) max $10.00) R28.00 max max $10.00) R70.00 £0.20 €0.30 $0.40 R2.80 $0.40 £6.00 €9.00 $12.00 R84.00 $12.00 2% 2% 2% 2% 2% SMS Fees * GBP EUR USD ZAR AUD SMS balance enquiry check £0.30 €0.45 $0.60 R4.20 $0.60 SMS card block/unblock FREE FREE FREE FREE FREEFree Free Free Free Free Interactive Voice Response (IVR) Fees ** GBP EUR USD ZAR AUD Initial IVR PIN Enquiry Free Free Free Free Free Subsequent IVR PIN enquiries £1.00 €1.00 $1.00 R10.00 $1.00 CSR Transactions GBP EUR USD ZAR AUD Customer Services Charge to cardholder (per call) £1.00 €1.50 $2.00 R14.00 $2.00 Card Upgrade Fees GBP EUR USD ZAR AUD Upgrade Fee £5.00 €5.00 $5.00 R50.00 $5.00 Payments and transfers GBP EUR USD ZAR AUD Free Free Free Free Free £4.00 €6.00 $7.00 R55.00 $7.00 £8.00 €10.00 $12.00 R100.00 $12.00 GBP EUR USD ZAR AUD £8.95 €13.50 $18.00 R125.30 $17.90 £1.00 €1.50 $2.00 R14.00 $2.00 Wages Transfer Domestic Transfer to a UK bank Account International Transfer to a bank Account outside the UK Card Purchase and Administration Fees Card Purchase/Replacement Card *** Monthly service charge Foreign exchange mark-up (of transactions in a currency other than 3% 3% 3% 3% 3% your card currency) Closure GBP EUR USD ZAR AUD £5.00 €5.00 $5.00 R50.00 $5.00 £10.00 €15.00 $20.00 R140.00 $20.00 Inactivity Fee (after 90 days of inactivity) Cancellation Fee/Administration Fee * Note that by texting our SMS line on +00 (0) 000 000 0000 you will be charged at the UK rate. Texts from outside the UK will vary. ** Note that by calling our telephone lines on +00 (0)000 000 0000 you will be charged at the UK National rate. Calls from outside the UK will vary.

Fees Table. These fees shall apply to all Customers commencing on January 2013 Description Currency GBP EUR USD ZAR AUD On Application Card Activation Fee Free GBP Free EUR USD Free Free ZAR Free Free AUD Initial Limits GBP EUR USD ZAR AUD Minimum load amount £10.00 €15.00 $20.00 R140.00 $20.00 Maximum load amount £500.00 €750.00 $1,000.00 R7000.00 £$1000.00 Load Fees and & Limits GBP EUR USD ZAR AUD SMS/Internet Debit/Credit card load (of amount loaded). 2.5% (min £1) 0% 0% 0% 0% Max load (online) of amount loaded). £500.00 €750.00 $1,000.00 R7000.00 £$1000.00 SMS/Internet Card to Card transfer (of transferred amount) 3% 3% 3% 3% 3% Card load by Payzone/Alphyra Max load amount per load £300 £1.50 €2.00 $3.00 R18.00 $3.00 Card load by Ukash (of load amount) 6% 6% N/A N/A N/A Card load at the Post Office £1.50 €2.00 $3.00 R18.00 $3.00 Maximum Top-Up at Post Office £500.00 N/A N/A N/A N/A Max load (Online) SMS/Internet Card to Card transfer (of transferred amount) Card load by Payzone/Alphyra (Max load amount per load £300) Card load at the Post Office Maximum Top-Up at Post Office Description Currency Minimum Top-up £10.00 €15.00 $20.00 R140.00 $20.00 Maximum Top-up Amount Per Day £7,000.00 €6,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum ATM Withdrawal £550.00 €750.00 $1000.00 R3,500.00 $1000.00 Maximum Card Balance £10,000.00 €10,000.00 $10,000.00 R60,000.00 $10,000.00 Maximum Daily Spend £7,000.00 €6,000.00 $10,000.00 R60,000,00 R60,000.00 $10,000.00 Retail Purchase Fees GBP EUR USD ZAR AUD Retail purchase transaction – UK FREE FREE FREE FREE FREE Retail purchase transaction – Outside UK £1.00 €1.50 $2.00 R14.00 $2.00 Declined transaction fee £0.10 €0.10 $0.15 R1.30 $0.15 ATM Fees ATM withdrawal – UK (of amount withdrawn) 1.5% (min £1.00 max £3.75) 1.5% (min €1.50 max €5.60) 1.5% (min $2.00 max $7.50) 1.5% (min R14.00 max R52.50 1.5% (min $2.00 max $7.50) ATM withdrawal – Outside UK (of amount withdrawnFree Free Free Free Free £1.00 €1.50 $2.00 R14.00 $2.00 £0.10 €0.10 $0.15 R1.30 $0.15 GBP EUR USD ZAR AUD 1.5% (min 1.5%(min 1.5%(min 1.5%(min 1.5%(min £1.00 max €1.50 max $2.00 max R14.00 max $2.00 max £3.75) €5.60) $7.50) R52.50 $7.50) 2% (min £2.00 max £5.00) 2% (min 2.002%(min €3.00 max €7.50) 2% (min 2%(min $4.00 max $10.00) 2% (min R28.00 max R70.00 2% (min 2%(min 2%(min $4.00 max $10.00amount withdrawn) ATM balance inquiry Balance Enquiry fee £0.20 €0.30 $0.40 R2.80 $0.40 Over the counter cash advance – UK £6.00 €9.00 $12.00 R84.00 $12.00 Over the counter cash advance – Outside UK (of amount withdrawn) max £5.00) max €7.50) max $10.00) R28.00 max max $10.00) £0.20 €0.30 $0.40 R70.00 R2.80 $0.40 £6.00 €9.00 $12.00 R84.00 $12.00 2% 2% 2% 2% 2% SMS Fees * GBP EUR USD ZAR AUD SMS balance enquiry check £0.30 €0.45 $0.60 R4.20 $0.60 SMS card block/unblock FREE FREE FREE FREE FREEFree Free Free Free Free Interactive Voice Response (IVR) Fees ** GBP EUR USD ZAR AUD Initial IVR PIN Enquiry Free Free Free Free Free Subsequent IVR PIN enquiries £1.00 €1.00 $1.00 R10.00 $1.00 CSR Transactions GBP EUR USD ZAR AUD Customer Services Charge to cardholder (per call) £1.00 €1.50 $2.00 R14.00 $2.00 Card Upgrade Fees GBP EUR USD ZAR AUD Upgrade Fee £5.00 €5.00 $5.00 R50.00 $5.00 Payments and transfers GBP EUR USD ZAR AUD Free Free Free Free Free £4.00 €6.00 $7.00 R55.00 $7.00 £8.00 €10.00 $12.00 R100.00 $12.00 GBP EUR USD ZAR AUD £8.95 €13.50 $18.00 R125.30 $17.90 £1.00 €1.50 $2.00 R14.00 $2.00 Wages Transfer Domestic Transfer to a UK bank Account International Transfer to a bank Account outside the UK Card Purchase and Administration Fees Card Purchase/Replacement Card *** Monthly service charge Foreign exchange mark-up (of transactions in a currency other than 3% 3% 3% 3% 3% your card currency) Closure GBP EUR USD ZAR AUD £5.00 €5.00 $5.00 R50.00 $5.00 £10.00 €15.00 $20.00 R140.00 $20.00 Inactivity Fee (after 90 days of inactivity) Cancellation Fee/Administration Fee * Note that by texting our SMS line on +00 (0) 000 000 0000 you will be charged at the UK rate. Texts from outside the UK will vary. ** Note that by calling our telephone lines on +00 (0)000 000 0000 you will be charged at the UK National rate. Calls from outside the UK will vary.