Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-20

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Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Thank You

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Bidvest Bank Products and Services Corporate Foreign Exchange Global Payments Online Travel Foreign Exchange – corporate/private individuals Deposits and Investments Transactional Banking Fleet and Asset Finance Corporate Loans and Advances Trade Services/Finance

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Into Africa – Corporate exchange control regulations All inward (export payments) and outward flows (import payments) of currency subject to SARB exchange control and the excon manual. Within the corporate forex space most notably:  Offshore investment limit outside the CMA – R500 million  Investment over the limit ?  Outward loans – yes Remittance payments  Advance payments for imports  Services rendered, intangible goods, salaries  SARB monitoring of export proceeds  Yellow metal and diamonds  Be aware of relevant BOP codes which have recently changed

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Global Payments Online

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Global Payments Online Global Payments Online is a secure online internet-based quoting and payment trading platform for payment to foreign beneficiaries. It also handles the sale transaction of foreign currency to the bank Licensed exclusively by Travelex and Western Union to Bidvest Bank First Online Global Payment portal in South Africa Direct Access to the Dealing Room – market commentary Internet-based platform – remote access Online BOP Forms Confirmations – proof of payment auto-generated Reports / Audit Trails Remittance tool only – no need to move your primary banking

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private SPOT and FEC facilities Both are facilitated online with the Global Payments platform. FEC’s crucial for tendering – fixing costs, not speculating on currency Three types of Forward Exchange Contract’s offered 1.Open FEC’s – drawdown within a window (up to 6 months) 2.Fixed FEC’s – contract maturation and drawdown at a specific future point (up to 6 months). 3.Optional FEC’s – fixed period but optional drawdown within a window

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Global Payments Online

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private CNY invoicing – Some added value… Eliminating USD as “bridging” currency Mainland Designated Enterprise – March 2012 Tax rebates offered to Chinese exporters participating Corporates only, no individuals Imports to China - both MDE’s and non-MDE’s permitted Exports from China - MDE’s only List of MDE’s will be expanded. Rebates typically around 5% SA importers receiving 2% - 3% discount Deal directly with supplier if possible, thus avoiding agents. Reluctance to reveal status List in Chinese, updated daily

ravel Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Private travel and investment allowance Individuals Only – Single Discretionary Allowance  R 1 million annually per individual over 18 years  R 250,000 annually if younger than 18 years Investment Allowances  R 4 million annually per individual – subject to tax clearance

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Pin and signature protected Available in 18 currencies Fixed exchange rate FREE additional card Avoid high costs of using a credit card overseas Visa Platinum purchase protection and extended warranty (Terms and Conditions apply) Instant text or message notification on transactions as well as online statements 24 hour support for lost/stolen cards Accepted at international ATMs and merchants VISA Conversion within 60 days of returning at a potentially favorable rate and timing Free to swipe at point-of-sale World Currency Card – Safety First in Africa

Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month Budget Budget VarGrowth Accounts Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157, %1.00%1.06% Aug R -#DIV/0! Sept R -#DIV/0! Oct R -#DIV/0! Nov R -#DIV/0! Dec R -#DIV/0! Jan R -#DIV/0! Feb R -#DIV/0! Mar R -#DIV/0! Apr R -#DIV/0! May R -#DIV/0! Jun R -#DIV/0! YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157, %1.00%1.06% Revenue Product Split Corporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPO Month Jul R 462,456 R 430, R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07% Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91% PFX Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Total PFX R 21,823 R 22,923 Ave Margin0.19% Growth-4.80% Total Private Thank You