Agribusiness Sector

Why partner with Standard Bank?

Standard Bank has provided financial services to the agricultural sector

for more than 150 years. We are committed to the development of

agriculture and to add value to farming businesses. We offer a range of

specialised products and services, including the support of agricultural

advisors and relationship managers.

We:

• talkbusiness,notbanking

• understandyouruniqueneeds

• knowtimeismoney

• areatrustedfinancialpartner

• arededicatedtomoveyouragribusinessforward,fromfarmtofork.

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Farmingisneverwithoutrisk.Riskincludes:

• harshweatherconditions

• livestockdisease

• plaguesorcroppests

• onerousregulatorychanges

• environmentalsustainabilitychallengesand

• fluctuatingcommodityprices.

On top of that, the vast majority of farmers in South Africa are sole

proprietorswhosefamilylifeisdependentonthesuccessoftheir

agricultural activities. So, the risk of farming is not merely a business

risk, it’s personal. A single farmer and his or her family against an

overwhelmingarrayoflocalandglobalrisk.

Veryfewnon-agriculturalventuresarefacedwithquiteasmany

challengesinsuchahighlyindividualisedway.Developingasavings

cultureisthesinglemosteffectivewayforindividualfarmerstoguard

against adversity.

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Investment portfolio

Weofferawiderangeofinvestmentsolutionstohelpfarmers

invest available surplus funds. Our investment products pay highly

competitive returns and offer the best form of security.

Demanddepositsallowimmediateaccesstofundswhilepaying

competitive returns. Term deposits on the other hand, are designed

forlong-terminvestmentneedsandfundswillonlybeavailableaftera

notice period is served or at the end of the investment term.

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Product Features and benefits

Call Deposit This is an investment account that earns competitive interest rates and the funds are available to the customer on demand.

Higher interest rates are earned on higher balances.

Interest is calculated on daily balances and can be paid into anotheraccountorbere-investedmonthly.

The only fees charged on this account are cash deposit fees (chargedonlywhencashisdepositedtotheaccount).

This account can be linked to a Standard Bank transactional accounttoenableinter-accounttransfersasandwhenrequired.

ThebestwaytoaccessfundsistotransferittoaStandardBanktransactional account.

Additional deposits can be made to this account at any time.

Demand deposits

Demanddepositsearninterestwithoutlimitingaccesstofunds.

You have immediate access to your funds at all times.

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Product Features and benefits

Money Market Call Deposit

This is a premium Money Market investment account that earns highly competitive interest rates and the funds deposited are availableondemand(immediateaccess).

There is no defined investment period, so funds can be invested in the money market indefinitely.

The only fees charged on this account are cash deposit fees (chargedonlywhencashisdepositedtotheaccount).

This account can be linked to a Standard Bank transactional account toenableinter-accounttransfersasandwhenrequired.

ThebestwaytoaccessfundsistotransferittoaStandardBanktransactional account.

NofeeischargedwhenyoutransferfundsfromtheMoneyMarketCall account to a Standard Bank transactional account and vice versa.

Higher interest rates are earned on higher balances.

Interest is calculated on daily balances and can be paid into another accountorbere-investedmonthly.

Additional deposits can be made to this account at any time.

Product Features and benefits

Marketlink Account Thisisacard-basedinvestmentaccountthatoffershighcompetitiveinterestrateswiththeflexibilityofatransactionaccount.

There is no defined investment period, so funds can be invested in the MarketLink indefinitely.

The fees charged on this account is a monthly account management feeifthebalanceislessthanR1000andtheaccounthasbeeninactiveforthreemonths,aswellasapayasyoutransact fee structure.

Customers are able to transact via branches, ATMs, Internet banking andtheCustomerContactCentre(CCC).

AMarketLinkaccountisnotrestrictedtoanumberofwithdrawalsthat may be made. Customers can select their daily and monthly withdrawallimits.

This account can be linked to a Standard Bank transactional account toenableinter-accounttransfersasandwhenrequired.

Monthly statements can be mailed to Market Link customers;

NofeeischargedwhentransferringthefundsfromtheMarketLinkto a Standard Bank transactional account and vice versa.

Higher interest rates are received on higher balances.

Interest is calculated on daily balances and can be paid into another accountorbere-investedmonthly.

Additional deposits may be made to this account at any time.

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Product Features and benefits

Notice Deposit

ANoticeDepositisaninvestmentaccountthatearnshighlycompetitiveinterest.Accesstofundsishoweversubjecttoa 32-daynoticeperiod.

Customersarerewardedforsacrificingimmediateaccesstofunds.

Additional deposits can be made to this account at any time.

Notice can be given on all or part of the investment.

No fees are charged on this account.

Higher interest rates are earned on higher balances.

Interest is calculated on daily balances and can be paid into anotheraccountorbere-investedmonthly.

Term deposits

Fundsarefixedforacertainperiod

withnoaccesstothefundsinvested.These

investmentaccountsearncompetitiveinterestwhich

ispaidmonthlyorwhentheinvestmentreachesmaturity.

Notice deposits

Notice deposit accounts earn interest, but access to funds is limited.

Togainaccesstofunds,a32-daynoticeperiodmustbeserved.

Customersarealsorewardedforsacrificingimmediateaccesstofunds,

whichareonlyavailableafterthenoticeperiodisserved.

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Fixed deposits

Fixeddepositsareinvestmentaccountswherefundsareinvested

forafixedperiod.Thefundsinvestedandtheinterestratedoes

not fluctuate during this period and protects the investment against

market fluctuations. Funds can only be accessed at the end of the

investment period.

Product Features and benefits

Fixed Deposit

AFixedDepositisaninvestmentaccountwherefundsaredepositedforafixedperiodandtheinterestratedoesnotfluctuate.

Customersarerewardedforsacrificingimmediateaccesstofunds.

Customerschoosehowlongtheywanttoinvesttheirmoney,ranging from 1 month to 5 years.

Withthepick-a-datefeaturecustomerscanchoosethedateonwhichtheinvestmentshouldmature.

Theinterestrateisfixedforthefullperiodoftheinvestment.

Funds cannot be added to the investment. Additional funds must be invested in another investment deposit account.

Fundscannotbewithdrawnfromthefixeddepositaccountduringthe investment period.

Interestispaidmonthly,quarterly,annually,oronmaturity.

No fees are charged on this account.

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Product Features and benefits

Short–Term Wholesale Deposit

AShort-termWholesaleDepositisaninvestmentaccountwherethefundsdepositedattractafixedinterestrateforperiodsbetween7and31days.

There is no defined investment period. The interest rate is howeverfixedforaspecificperiod.

Fundsareonlyavailableattheendofthefixed-rateperiod.

Additionsandwithdrawalscanonlybemadeattheendofthefixed-rateperiod.

Interestcanbere-investedintothisaccountorcanbepaidintoanother account.

No fees are charged on this account.

Fundsaresecure,whichmakesitverylowrisk.

Loan facilities are available against the pledge of funds in the short-termwholesaledepositaccount.

Short-term wholesale deposits

Ashort-termwholesalecalldepositisan

investmentaccountwherefundsdepositedattracta

fixedinterestrateforperiodsbetween7and31days.

Funds are only available at the end of the investment period.

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Contact details

AE/PSM: Name

Telephone number

Cellphone number

Email address

Business Banking Investment: invest@standardbank.co.za

www.standardbank.co.za/business

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Authorised financial services and registered credit provider (NCRCP15)The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA 151305-08/13