Home Loans Digital - Release 3 Compiled by: Home Loans Digital 2015

Our Digital Journey….. Release 2.5: Web enabled application form – Internal Users February 2015 Release 3: New online tool (quickapp) Scheduled June 2015 Sales, Strategic, Efficiency Customer Experience Release 2: Web enabled application form – Client Direct (ability to upload docs, save online & render on any device) May 2014 Sales, Strategic Efficiency, Risk / Compliance, Customer Experience Sales, Efficiency, Customer Experience Release 1: Online Application (PDF version) – Client Direct -September 2012 Release 1.5: Online Application (PDF version) – Internal Users i.e. Branch - April 2013

So What is Instant Bond Indicator? An additional upfront step (step 1) in the HL online application form that gives you and your client an immediate indication of: What loan amount Nedbank can extend The range of instalment required for this loan The estimated costs associated with the loan NB: Instant Bond Indicator (IBI) is NOT a pre approval and a full credit assessment will still need to be performed as required by NCA.

What does this mean for our clients? 1. Peace of mind – I can shop for a property knowing what Nedbank is prepared to offer 2. Shorter application process – I no longer need to complete the entire application if the result is not what I had in mind 3. Less Anxiety – I no longer need to wait for an answer from the bank

What does this mean for our sales teams? 1. Saves time – I no longer need to sit with the client and go through the entire process only to have the application declined at a later stage 2. Elevated Service Offering – I am seen by my clients as offering additional value through this tool 3. Better quality of deals submitted– non value adding applications are removed and the deals I send to home loans have a higher likelihood of being approved

IBI – Look & Feel

IBI – Look & Feel

IBI – Look & Feel

IBI – Look & Feel

Next Steps……