World Currency Card World Currency Card is a suite of pre-paid travel cards that give you access to your

funds in the local currency of your travel destination. It's more cost effective than using your credit because you transact at a fixed exchange rate and there is no Point of Sale (merchant) transaction fee. Now available in: United States Dollar, Euro, British Pound, Australian Dollar, Chinese Yuan, Indian Rupee, Israeli Shekel, United Arab Emirates Dirham, Mauritian Rupee, Argentine Peso, Brazilian Real, Canadian Dollar and Thai Baht. It's pre-loaded so there's no need to worry about fluctuating exchange rates and you determine your spending limit Takes the risk out of carrying cash and is reloadable at any time. Immediate card activation Withdraw cash at over one million international ATMs at any time Track spending with instant text or email notification as well as online statements PIN and signature protected for enhanced security FREE secondary card If you lose it, we replace it with 24-hour support As of 1 November 2012 Voyager Members will earn 1 Mile for every R25.00 loaded onto a Bidvest Bank World Currency Card. Earn miles on your load value, regardless of what you spend. Enjoy the travelling, your money is sorted! Now you can transfer funds between your Bidvest Bank Account and World Currency Card via the Bidvest Bank Internet Banking platform! Bidvest Bank clients who have both a Bidvest Bank Account and World Currency Card can now transfer funds directly between their Bidvest Bank Account and any linked World Currency Card i.e USD, GBP, EURO, AUD, AED, MUR, ILS, CNY, INR, BRL, ARS, CAD or THB. This means that clients can re-load their World Currency Card directly via the Bidvest Bank Internet Banking platform, from the comfort of their home, office or whilst traveling. The FOREX inter-account transfer functionality allows clients to transfer their remaining currency balance back to their Bidvest Bank Account on return from their international trip. Funds can only be transferred from a Bidvest Bank Account (ZAR) to a linked World Currency Card and back again. Foreign bank notes Bidvest Bank offers the widest range of bank notes in over 60 currencies. A variety of exotic notes are also available on request. American Express Travellers Cheques Travellers Cheques are safer than cash and are refundable when lost or stolen, usually within 24 hours. They are accepted fee-free at thousands of locations worldwide and are available in all major currencies. Offshore Investments With Bidvest Bank, your foreign investments are in experienced and professional hands. The South African Reserve Bank (SARB) has appointed us an Authorised Dealer in foreign exchange. This means that we can

assist in administering exchange control on their behalf. This includes your R4 million annual investment allowance and your R1 million single discretionary allowance. We will also assist you with any SARB applications and Tax Clearance Certificates. Foreign Payments Bidvest Bank can arrange the transfer of funds both incoming and outgoing. Some of these include but are not limited to: Single Discretionary Allowances Inheritance Payments Wedding Payments Tuition Payments Emigrations Legal Fees Gift Payments to friends or family Dynamic Hedging Take advantage of the strong Rand by fixing your Foreign Exchange rate up to 6 months in advance and avoid currency fluctuations.