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Prepared in terms of section 51 of the Promotion of Access to Information Act (PAIA), 2 of 2000 (as amended).
1. Abbreviations
Abbreviation |
Meaning |
CEO |
Chief Executive Officer |
DIO |
Deputy Information Officer |
IO |
Information Officer |
PAIA |
Promotion of Access to Information Act, 2 of 2002 (as amended) |
POPIA |
Protection of Personal Information Act, 4 of 2013 |
2. Purpose of the PAIA manual
2.1 PAIA requires all public and private bodies in South Africa to have a manual to explain to the public how they can get access to records that a body holds.
2.2 This manual will help you do the following:
2.2.1 Check the categories of available records that a body holds without having to submit a formal PAIA request.
2.2.2 Request access to the records that a body holds.
2.2.3 Obtain the contact details of the IO and the DIO, who will help you gain access to the records that you want.
2.3 The manual will also give you information about the following:
2.3.1 The description of the available records that the body holds, in line with other legislation.
2.2.4 The description of the data subject categories and the related information or categories of information.
2.2.5 Whether and why a body will process personal information, including sending or processing personal information outside of South Africa.
2.2.6 The categories of data subjects and the information or categories of information relating to the personal information.
2.2.7 The recipients or categories of recipients to whom the personal information may be given.
2.3.2 Whether a body has appropriate security measures to ensure the confidentiality, integrity and availability of the personal information that will be processed.
2.3.3 The PAIA guide and how to access it.
3. Nedbank contact details
3.1 Information Officer:
Daleen du Toit
Physical address: 135 Rivonia Road
Sandown
Sandton
Johannesburg
Postal address: PO Box 653640
Benmore Gardens
2196
Email: paia@nedbank.co.za
Website: nedbank.co.za
3.2 Deputy Information Officer:
Neelesh Mooljee
Physical address: 135 Rivonia Road
Sandown
Sandton
Johannesburg
Postal address: PO Box 653640
Benmore Gardens
2196
Tel: +27 (0)10 234 8858
Email: paia@nedbank.co.za
Website: nedbank.co.za
3.3 General contact for access to information:
Email: paia@nedbank.co.za
3.4 National or head office:
Postal address: PO Box 1144, Johannesburg, 2000
Physical address: 135 Rivonia Road, Sandown, Sandton
Telephone: 0800 555 111
Website: nedbank.co.za
4. How to use PAIA and access the PAIA guide
4.1 In terms of section 10(1) of PAIA, the Information Regulator has updated and made available a revised guide on how to use PAIA to anyone who wants to exercise a right as set out in PAIA and POPIA.
4.2 The guide is easy to understand and available in all the official South African languages, including braille.
4.3 The guide includes the following:
4.3.1 Descriptions of the aims of PAIA and POPIA.
4.3.2 The postal and street addresses, contact numbers and, if available, email addresses of -
4.3.2.1 the IO of every public body; and
4.3.2.2 the DIO of every public and private body designated in terms of section 17(1) of PAIA and section 56 of POPIA.
4.3.3 Request forms with instructions on how to request access to records of -
4.3.3.1 a public body as set out in section 11 of PAIA; and
4.3.3.2 a private body as set out in section 50 of PAIA.
4.3.4 A description of the help available from the IO of a public body in terms of PAIA and POPIA.
4.3.5 A description of the help available from the Information Regulator in terms of PAIA and POPIA.
4.3.6 A description of remedies in law available regarding an act or failure to act in respect of a right or duty that PAIA and POPIA confers or imposes, including how to lodge -
4.3.6.1 an internal appeal;
4.3.6.2 a complaint with the Information Regulator; and
4.3.6.3 a court application against a decision of the IO of a public body, a decision about an internal appeal or a decision of the Information Regulator or the head of a private body.
4.3.7 The provisions of sections 14 and 51 of PAIA, which require a public or private body to compile a manual and to describe how to access the PAIA guide.
4.3.8 The provisions of sections 15 and 52 of PAIA providing for the voluntary disclosure of categories of records by a public or private body.
4.3.9 The notices issued in terms of sections 22 and 54 of PAIA about the fees that must be paid for access requests.
4.3.10 The regulations made in terms of section 92 of PAIA.
4.4 You can inspect or make copies of the guide from the offices of the public and private bodies, including the office of the Information Regulator, during normal working hours.
4.5 You can also get the guide:
4.5.1 on request from the IO; or
4.5.2 from the Information Regulator’s website at inforegulator.org.za.
4.6 A copy of the guide is also available in English and Afrikaans for public inspection during normal office hours.
5. General information about disclosure following a request for access to records
5.1 We must or may refuse the following requests for records:
5.1.1 Records for the purpose of criminal or civil proceedings (subject to section 7 of PAIA).
5.1.2 Records that will affect the mandatory protection of privacy of a third party who is natural person, including a deceased natural person (subject to section 63 of PAIA).
5.1.3 Records that will affect the mandatory protection of commercial information of a third party (subject to section 64 of PAIA).
5.1.4 Records that are protected in terms of a duty of confidence owed to a third party (particularly banker–client confidentiality) in terms of an agreement (subject to section 65 of PAIA).
5.1.5 Records that would threaten the protection of the safety of individuals and property (subject to section 66 of PAIA).
5.1.6 Records that are protected and privileged against production in legal proceedings (subject to section 67 of PAIA).
5.1.7 Records that are commercial information of a private body, including trade secrets and financial, commercial, scientific or technical information of the private body that would be likely to cause harm to the commercial or financial interests of the body if the information were disclosed (subject to section 68 of PAIA).
5.2 Subject to section 70 of PAIA, we must disclose records if disclosure is in the public interest. In other words, if disclosure of the records would reveal evidence of -
5.2.1 a substantial contravention of or failure to comply with the law; or
5.2.2 an imminent and serious public safety or environmental risk; and if
5.2.3 the public interest of disclosing the records outweighs the harm that may reasonably be expected to be caused by the disclosure.
6. Nedbank categories of records available without a request
Record category |
Record type |
Available at our website at nedbank.co.za |
Available on request |
Human resources |
Statutory and other employee records
|
X |
X |
External-candidate profiles and positions applied for |
X |
|
|
Company secretarial |
Own portfolio or shareholdings, tax statements for share transactions (IT3), frequently asked questions (FAQs) and rules of the share scheme |
|
X |
Own portfolio or shareholdings (transactions, dividends), tax statements for share transactions (IT3), FAQs and rules of the share scheme |
|
X |
|
Annual financial statements (audited), Stock Exchange News Service (SENS) announcements and share prices |
X |
|
|
Market conduct; financial advisory and intermediary services (FAIS) |
Debarments and date-of-first-appointment (DOFA) documents |
|
X |
Account statement for a specific period |
X |
X |
|
Account statement for a specific period (Corporate Saver) |
X |
X |
|
Copies of legal agreements (Corporate Saver) |
|
X |
|
Profile setup (Corporate Saver) |
|
X |
|
Confirmation of balances |
X |
X |
|
Transaction listing |
|
X |
|
Needs analysis and disclosures |
|
X |
|
Available balance on account |
|
X |
|
Historic client receipts |
|
X |
|
Call recordings |
|
X |
|
Home loans |
Account statement for a specific period |
X |
X |
Settlement letter |
X |
X |
|
Quotation |
X |
X |
|
Reconciliation |
|
X |
|
Decline letter |
|
X |
|
Approval letter |
X |
X |
|
Personal loans and unsecured lending |
Account statement for a specific period |
X |
X |
Application form for a personal loan, an overdraft or a student loan |
|
X |
|
FAIS acknowledgement for a personal loan, an overdraft or a student loan |
|
X |
|
Settlement letter for a personal loan or unsecured lending |
|
X |
|
Account closure letter for a personal loan or unsecured lending |
|
X |
|
Welcome letter for a personal loan or unsecured lending |
|
X |
|
Statement |
X |
X |
|
Motor Finance Corporation (MFC) |
Settlement quote |
X |
X |
Confirmation of client details changes |
|
X |
|
Tax certificate |
X |
X |
|
Copy of registration papers |
X |
X |
|
Cross-border letter |
X |
X |
|
Transaction history |
X |
X |
|
Banking details update |
X |
X |
|
Addendum |
|
X |
|
Amortisation |
|
X |
|
Repayment schedule |
|
X |
|
Balloon quote |
|
X |
|
Balloon manual quote |
|
X |
|
Capital interest statement |
|
X |
|
Interest rate letter |
|
X |
|
Settlement letter |
|
X |
|
Change-of-owner settlement letter |
|
X |
|
Authorisation letter for police clearance |
|
X |
|
Relocation letter |
|
X |
|
Copy of the National Administration Traffic Information System (NaTIS) document |
X |
||
Contract addendum relating to value-added product services |
|
X |
|
Cost of credit/Additional credit |
|
X |
|
Vehicle finance contract |
|
X |
|
Invoice |
|
X |
|
Remittance |
|
X |
|
Proof of payment |
|
X |
|
Copy of a NaTIS document |
X |
||
Business banking |
Original NaTIS document |
|
X |
Own-entity product statement |
X |
|
|
Copy of facility letters, suretyships, title deeds, mortgage bond documents, etc |
|
X |
|
Original securities |
|
X |
|
NedFleet |
X |
|
|
Replacement cards |
|
X |
|
|
|
|
7. Nedbank records available in line with other legislation
Applicable legislation |
Category of record |
Banks Act, 94 of 1990 (guidance notes and directives) |
· South African Reserve Bank (SARB) outsourcing list. · Materiality risk assessments. · Letters or notifications to SARB. |
Basic Conditions of Employment Act, 75 of 1997
|
· Employee details. · Labour relations reports. · Information regarding dismissals for dishonesty-related behaviour. · Information on disability, trade union membership, race and religion. · Employee next of kin or emergency contact details. · Conflict-of-interest declarations. · Education information. · Health and safety records. · Pension and provident fund records. · Leave records. · Internal evaluations and performance records. · Disciplinary records. · Training records. · Background checks. |
Broad-based Black Economic Empowerment Act, 53 of 2003 |
· Skills development section on the Financial Services Council report (no unique identifiers). · BBBEE status (MTN ZF). · BBBEE status of suppliers. · Supplier employee information. · Contractor and supplier agreements. · List of suppliers, products, services and distributors. |
Code of Banking Practice |
· Code of Banking Practice · Terms and conditions |
Companies Act, 71 of 2008
|
· Memorandum of incorporation. · Award letter. · Annual financial statements. · Share register (MTN ZF). · CIPC company registration document. · CoR 14.3 registration certificate. · COR123.1. · Business application form. · Certificate of incorporation. · Dealer application. · The details of all share trades by employees, directors and officers of the organisation. · Own-organisational title deeds. · Register of disclosures in terms of section 140(1A) of the Companies Act, 71 of 2008. · Regulated-company (as defined in Chapter 5, Parts B and C, of the Companies Act, 71 of 2008) register of disclosures. · Company rules. · Records of directors. · Copies of reports presented at annual general meetings. · Notices and minutes of shareholder meetings. · Resolutions and their supporting documents. · Copies of written communications generally sent to securityholders. · Minutes of meetings of directors, directors’ committees, audit committees, shareholders. · Securities registers. · Record of company secretaries and auditors. |
Compensation for Occupational Injuries and Diseases Act, 130 of 1993 |
· Record of the earnings and other prescribed particulars of all employees. · Auction-related records. · Promotional-competition-related records. |
Consumer Protection Act, 68 of 2008 |
· Promotion and marketing material · Terms and conditions · Direct marketing consent · Complaints process document |
Copyright Act, 98 of 1978 (as amended by Act 2 of 2002) |
Software licences |
Disaster Management Act, 57 of 2002 |
· Covid-19 registers · Business continuity management plans · Business impact assessment |
Electronic Communications and Transactions Act, 25 of 2002
|
· Digital signatures · Transactional record · Electronic terms and conditions · Records of third parties to whom information is disclosed |
Employment Equity Act, 55 of 1998 |
Employment equity plans and targets |
Employment Services Act, 4 of 2014
|
· Employment work permits · Job advertisements |
Exchange Control Amnesty and Amendment Taxation Laws Act, 12 of 2003 |
· Reports on foreign spend greater than R10 million to the South African Revenue Service (quarterly). · Cross-border transfer-of-funds applications and transactions. |
Financial Advisory and Intermediary Services (FAIS) Act, 37 of 2002
|
· Learning history reports. · Registers of representatives, key individuals, qualifications completed by intermediaries and competences. · Records evidencing representatives’ compliance with section 13(1)–(2) of FAIS. · Continued professional development (CPD) programme and activity records. · Records of financial and system procedures. · Records evidencing supervision actions undertaken, including evidence regarding the rendering of services under supervision, the method followed and frequency thereof during the period under supervision. · Records evidencing the deployment of adequate technological resources to maintain client records and data integrity. · Records relating to conclusions regarding compliance with independent requirements, and the substance of relevant discussions that support those conclusions. · Records relating to giving advice, call recordings and product agreements. · Records relating to debarments of FAIS representatives and key individuals. · Records relating to business continuity plans. · Records relating to competency requirements (copies of Grade 12, FSCA-recognised qualifications, class of business training, CPD and product-specific training). · Signed supervision agreements. · Representative letters of authority. · Key-individual authorisation letters. · Compliance reports. · FSP licence and addendum with conditions. · Complaints management (contact details of the compliance officer). |
Financial Intelligence Centre Act (FICA), 38 of 2001 |
· Identification and verification records · Client due-diligence records · Applications for credit or credit agreements |
· Foreign Account Tax Compliance Act · Common Reporting Standard |
· IRS W-8BEN-E; IRS W-8BEN; IRS W-9; IRS W-8ECI. · Self-certification forms. |
Income Tax Act, 58 of 1962 |
· IT3. · IRP5. · IT3a. · Monthly IRP5 files. · Unemployment Insurance Fund (UIF) files. · PAYE information. · SDL information. · VAT records. · Ledgers. · Cash books. · Journals. · Cheque books. · Bank statements. · Deposit slips. · Paid cheques. · Invoices. · Stock lists. · Other books of accounts. · Electronic representations of information. |
Labour Relations Act, 66 of 1995 |
· Disciplinary records, including outcomes. · Labour relations reports. · Arbitration awards. · Records of strike action and protests. |
Long-term Insurance Act, 52 of 1998 |
· Retrenchment claim documents (retrenchment letter, retrenchment claim form, copy of the identity document, etc). · Disability claim documents (disability claim form, medical report, copy of the identity document, etc). · Death claim documents (death certificate, claim form, etc). |
Lotteries Act, 57 of 1997 |
Personal information and LOTTO transactions of clients |
National Credit Act, 34 of 2005 |
· Loan or credit agreements. · Applications for credit. · Occupation information. · Credit bureau demographic, financial and consumer credit information (credit bureau information). · Credit refusal letter. · Pre-agreement statement and quote transactions and transactional history. · Bank details, contact details and location information. · Documentation in support of steps taken after default by consumer. |
National Payment System Act, 78 of 1998 |
· Records obtained by so-called ‘system participants’ during the course of the operation and administration of the settlement system. · Records of payment instructions generated and/or obtained by it during the course of the operation and administration of the payment clearing house (PCH). · Records obtained during the course of operation and administration of a payment or SARB settlement system. |
Occupational Health and Safety Act, 85 of 1993 |
· Occupational health and safety (OHS) reports including the following: - Learning history report - OHS agreement - OHS appointment letters - Data centre procedure documents - Incident reports - Personal information for workmen’s compensation - Personal information of visitors to our premises and branches - CCTV footage |
Prevention and Combating of Corrupt Activities Act, 12 of 2004 |
· Corrupt or fraudulent employee, client or merchant activities. · Reports on corrupt and fraudulent activities to law enforcement agencies. · Supplier Code of Ethics. · Business case. · Scorecards. · Tender awards. |
Promotion of Access to Information Act, 2 of 2000 |
The PAIA manual |
Promotion of Equality and Prevention of Unfair Discrimination Act, 4 of 2000
|
Grievance logged and outcome |
Protection of Personal Information Act, 4 of 2013
|
· POPIA operating contract · Data transfer agreement · Privacy Notice |
Regulation of Interception of Communications and Provision of Communication-related Information Act, 70 of 2002 |
· Mobile policy · Employee ID and proof of address · SIM card number · IME number · Cellphone number |
Short-term Insurance Act, 53 of 1998 |
· Original NaTIS documents · Settlement letters · Agreements of loss · Proof of payment · Rejection letters |
Skills Development Act, 97 of 1998 |
· Sector Education and Training Authority (SETA) reports (no unique identifiers). · Learning history reports. · Skills development levies. · Certificates of completion. |
UK Bribery Act |
· Personal information of directors · Financial statements · Tax returns · Other documents relating to tax or invoices · Accounting records · Auditor reports · Banking records · Bank statements · Electronic banking records · Asset registers · Financial agreements |
Value-added Tax Act, 89 of 1991 |
· Invoices. · Tax invoices. · Credit notes. · Debit notes. · Bank statements. · Deposit slips. · Stock lists. · Paid cheques relating thereto (no longer relevant since 30 December 2020) |
8. Subjects on which a body holds records and categories of records that Nedbank holds for each subject
Subjects on which a body holds records |
Categories of records |
Strategy, plans and proposals |
Annual reports, strategic plans and annual performance plans. |
Human resources |
· HR policies and procedures. · Employee records. · Advertised posts. · Updates to employee records. · Onboarding and offboarding of employees. · Internal- and external-candidate records. · Psychometric assessment information. · Leave records. · Tax. · Additional earnings. · Additional deductions. · Third-party deductions (retirement funds, etc). · Performance management. · Bursary information. · Educational assistance. · Labour relations information. · Training records. |
Shareholders |
· Share registers · Cash and script holdings · Tax reporting · Shareholder statements |
Suppliers |
· Supplier profile · Supplier invoices |
Occupational health and safety |
· OHS policies, procedures and guidelines. |
|
|
9. Processing of personal information
9.1 Purpose of processing personal information
We process personal information to do the following:
9.1.1 Recruit new employees and, if the candidate is successful, to fulfil the employee–employer relationship, including in respect of tax obligations, employment equity reporting and skills development requirements.
9.1.2 Pay grants for medical bills.
9.1.3 Pay grants to employees for their children's primary and secondary education.
9.1.4 Pay bursary claims to employees for their own tertiary education.
9.1.5 Enable employees to acquire recognised qualifications (eg FAIS and OHS qualifications).
9.1.6 Facilitate travel for business purposes.
9.1.7 Fulfil a contractual obligation to a shareholder (internal and external trust schemes) or fulfil a contractual obligation to a third party (external share scheme).
9.1.8 Enable suppliers to provide goods or services to us and receive payment for these good or services and collect information for BBBEE reporting and accreditation purposes.
9.1.9 Fulfil statutory obligations in terms of the Companies Act, 71 of 2008 (directors’ information).
9.1.10 Do creditworthiness assessments.
9.1.11 Prevent fraud and for authentication purposes.
9.1.12 Comply with anti-money-laundering regulations.
9.1.13 Track clients for money collection purposes.
9.1.14 Market our products and services (if we have consent).
9.1.15 Assess applications and onboard new clients or service providers or suppliers.
9.1.16 Compile offer letters or expressions of interest (EOIs).
9.1.17 Use risk models to produce risk ratings or client risk profiles.
9.1.18 Issue quotes (eg for vehicle and asset finance applications).
9.1.19 Open transactional accounts or provide other products or services (eg on Ariba).
9.1.20 Validate client details, information or documents (eg signature card) to provide a service and consider credit applications, as well as for know-your-customer (KYC) and fraud prevention purposes.
9.1.21 Do social and environment screenings (SEMS).
9.1.22 Do due-diligence assessments (eg in terms of FICA).
9.1.23 Prepare fulfilment documentation [eg for debtor management, offer letters, master agreements, extract of minutes, cession of debtors, fax indemnities and extracts, banking of money letters, account verification letters, contract letters, supplier forms, cessions of insurance (if applicable)].
9.1.24 Load and release payments or set facility limits.
9.1.25 Issue property guarantees.
9.1.26 Do periodic collateral valuations.
9.1.27 Do yearly or periodic reviews or due-diligence assessments of clients and service providers or suppliers.
9.1.28 Produce invoices, reconciliations, statements and remittances.
9.1.29 Do routine client record maintenance (eg updating debit order details and sending monthly statements).
9.1.30 Manage excesses and arrears.
9.1.31 Negotiate and conclude settlement agreements.
9.1.32 Give instructions to bank panel third parties for credit- and credit-risk-related activities (eg attorney instructions for collection actions).
9.1.33 Archive or destroy personal information in accordance with clients’ requests or regulatory requirements.
9.1.34 Do statutory reporting (eg for FICA and the Prevention and Combating of corrupt Activities Act, 12 of 2004).
9.1.35 Engage in general correspondence.
9.2. Data subject categories and related information or categories of information
Data subject categories |
Personal information that may be processed |
Shareholders |
Names, addresses, identity numbers, registration numbers, employment status, BBBEE information and banking details, income tax numbers, email addresses, telephone and cellphone numbers, physical addresses, postal addresses, disability, veteran status, and gender. |
Service providers |
Names, registration numbers, VAT numbers, addresses, and banking details. |
Employees |
Names, surnames, addresses and contact details, qualifications and professional registrations, CVs, tax information, marital status, gender, disability status, citizenship, race, banking details, identity numbers, next of kin, beneficiaries and benefit selections, training records, leave, and Covid-19 information. |
Pensioners |
Names, surnames, identity numbers, accounting information and medical aid details. |
Names, addresses, company registration numbers, tax numbers, PAYE numbers, banking details, and contact details. |
|
Clients |
Names, surnames, addresses, registration or identity numbers, employment status, and banking details. |
9.3. Recipients or categories of recipients to whom personal information may be given
Category of personal information |
Recipients or categories of recipients to whom personal information may be given |
Identity numbers, fingerprints and names for criminal checks. |
South African Police Service |
Qualifications for qualification verifications |
South African Qualifications Authority
|
Credit and payment history for credit information Shareholders contact details only |
Credit bureaus |
Tracing shareholders |
Tracing agent |
Shareholder information |
Ince (to run virtual shareholder meetings) |
BBBEE (shareholders and suppliers) |
BBBEE assessment or verification agency |
Employee names, identity numbers and demographics. |
SETA (for programmes) |
Employee names and identity numbers |
FAIS and OHS training providers |
· Suppliers · Credit checks · Media screening · Sanctions checks |
· Experian · Dow Jones · World check |
Identity number, names, psychometric test scores and reports, employee numbers, contact details, employment dates, performance history, industrial relations information, union membership fees, statutory requirements (including tax) and salary information. |
· Old Mutual (retirement fund). · Medscheme (medical aid). · Safrican (funeral fund). · Alexander Forbes (Defined-benefit Pension Fund – closed scheme). · Department of Employment and Labour (UIF). · South African Revenue Service (PAYE, SDL, UIF). · Commission for Conciliation, Mediation and Arbitration (labour relations). · Psychometric-assessment suppliers. · Reference checks for former employees. · South African Society of Bank Officials (Sasbo union). · YES office and implementation partners. · Holsboer resorts and timeshare. |
Identity numbers, names and facial biometrics. |
Department of Home Affairs |
Corporate Saver agent information |
· Legal Practitioners Fidelity Fund · Legal Practice Council · Office of the Master of the High Court · FSCA · Estate Agencies Affairs Board |
Client information |
SARB |
Identity numbers, names and surnames, physical and email addresses, payslips, medical records, and contact numbers. |
· Corporate Industrial and Risk consultants. · Compensation Commissioner. · Department of Employment and Labour. · Department of Health. · ER24 and medical facilities. · Compliance Safety (Pty) Ltd (COMSAF). |
Identity numbers and names for criminal checks |
South African Police Service |
Qualification verifications |
South African Qualifications Authority |
Credit and payment history for credit information |
Credit bureaus |
Names, identity numbers, and qualifications. |
· Compliance Institute Southern Africa · Khulisane Academy |
9.4. Planned transborder flows of personal information
9.4.1 Sub-Saharan Africa: Receive shareholders’ information from African countries and confirm payments in terms of dividends and proceeds. The information is not moved offshore, and payments are made from a South African scheme to a participant in another country.
9.4.2 Procurement: Cloud-based solution, with the necessary contracts in place.
9.4.3 Employee services.
9.5. General description of information security measures that the responsible party must implement to ensure the confidentiality, integrity and availability of the information.
9.5.1 We subscribe to and are a member of the Information Security Forum (ISF) Standard of Good Practice and we align all our security principles to this standard through:
9.5.1.1 employee awareness and change management;
9.5.1.2 regular system patching; and
9.5.1.3 secure system development lifecycle management.
10. Availability of the manual
10.1.1 A copy of the manual is available:
10.1.1.1 at our website nedbank.co.za;
10.1.1.2 at our head office for public inspection during normal business hours;
10.1.1.3 to any person on request and payment of the fee in 10.2; and
10.1.1.4 to the Information Regulator.
10.1.2 A fee for a copy of this manual, as set out in Annexure B of the regulations, is payable for each A4-size photocopy made.
11. Updating the manual
The Information Officer, mandated by the Chief Executive Officer of Nedbank, will update this manual regularly.
Issued by:
Daleen du Toit
Group Chief Compliance Officer.