1. Small Business Services

2. Nedbank Retail Our Focus Focus on small businesses with annual turnover up to R 7.5 million. Market segmentation allows for a greater focus on a market that has diverse and specific needs Specific segments include:  Start-up businesses (not yet started, less that 2 years old)  Small sized franchises (e.g. Vodashop, Captain Doregos, Romans Pizzas)  Small professional entities (e.g. doctors, dentists, accountants, lawyers, engineers )  Established small business (older than 2 years - general service, retailing & manufacturing concerns)

4. Nedbank Retail Market Challenges Access to markets  Opportunities  Capital Financial Acumen Business formalisation Access to Support Services/growth partners Lack of Collateral

5. Nedbank Retail Our Offer Through our understanding of self-employed and challenges they face we provide ‘banking’ given their unique requirements as well as ‘value added’ offers that will assist with their success. Banking…. Focussed segmentation approach delivering banking given the unique criteria and needs of a segment…focus on start-up and franchise Relationship Model that supports the segmentation strategy via dedicated relationship managers and small business services staff in branches Specialist unit to focus on start-ups A credit philosophy and policies aligned to the segment focussed approach Service efficiency and excellence Unique start-up offer Value adds as part of the start-up offer and available to non-start ups.

6. Nedbank Retail Unique Start-up Offer We have a specific offer to assist start-up businesses in their success. Finance & Free transactional banking Business Registration Mentorship Khula Free financial training franchisees Free business seminars

7. Nedbank Retail Free Banking Targeted at Start-up businesses (under two years) Take out a minimum R100 000 loan size and qualify for FREE:  Unlimited Cash Deposits  Unlimited Debit Orders  Unlimited Cheques from own cheque book  Unlimited Internet Banking Market First !

8. Nedbank Retail Added Value – Business Registration Business Registration via Swiftreg – a strategic partner Nedbank Small Business Services Representative in a branch will facilitate the process Existing and new clients – Nedbank Small Business Services current account as primary account Pure value add to our clients (also available to non-start- ups) Cost  CCs - shelf and new = R360  (Pty) Ltd shelf = R1065 (Pty) Ltd new = R950  Cost for the service paid by the client directly to SwiftReg.

9. Nedbank Retail Added Value - Mentorship Delivered by Business Partners – one of our strategic partners On application for finance or turnaround mentorship Across various disciplines e.g. finance, marketing, start- up, franchising. Nedbank makes a financial contribution to the mentorship cost.

10. Nedbank Retail Added Value - Khula Agreement Nedbank first to sign revised Agreement Loan size  R10 000- R250 000 (90% Indemnity Cover)  R250 001-R1 000 000 (80% Indemnity Cover)  R1 000 001-R3 000 000 (70% Indemnity Cover) Developmental Focus  Rural Focus  Women owned businesses  Bottom-end Lending focus

11. Nedbank Retail Our Products and Services What is finance required for Duration of finance requirements Facilities available Working capitalShort-termOverdraft facility DebtorsDebtor finance StockGuarantees Short term loans Fixtures & fittingsMedium - termAsset based finance Plant & equipment- Instalment sale Vehicles- Lease Renovation of premises- Rental -Medium term loan Property financeLong - termHome loan Commercial property finance

12. Nedbank Retail Funding the start-up / growth What does the bank need ? Comprehensive Business Plan Cash Flow Projections Information on the owner (s): –CV and ID, –personal statement of assets and liabilities –Personal account bank statement

13. Nedbank Retail Funding the start-up / growth(cont...) What the bank needs (cont....) Business financial information and bank statements Other relevant documents Own contribution Security offered

14. Nedbank Retail What the bank considers The business owner’s character and personality traits Experience of the business owner The viability of the business in respect of: Location Competition Suppliers Growth potential etc, etc Quality of business plan/projections

15. Nedbank Retail Our Approach

16. Nedbank Retail Concluding Remarks We specialise in Small Business (dedicated division) Focus on Black owned businesses. Dedicated Nedbank Small Business Services representation Differentiated credit lending model catering for the diverse needs of the small business market. We offer “value-added” services business through strategic partnerships namely mentorship, business registration, free financial franchise training, risk underwriting, business management seminars. Our value proposition is underpinned by service efficiency & excellence.

17. Nedbank Retail Contact details Grant Kirkbride (031) 2516429 Cell: 071 869 8600 GrantK@nedbank.co.za

18. Nedbank Retail