Nedbank - Group Limited is a bank holding company, with its principal banking subsidiary being Nedbank - Limited. The group provides a wide range of wholesale and retail banking services and a growing insurance, asset management and wealth management offering through five main business clusters, namely Nedbank - Capital, Nedbank - Corporate, Nedbank - Business Banking, Nedbank - Retail and Nedbank - Wealth. Focused on southern Africa, but with an aspiration to grow its business reach across the whole of the African continent, Nedbank - Group is positioned as a bank for all - from both a retail and a wholesale banking perspective. Acknowledged for its sustainability leadership, Nedbank - Group is the first and only carbon-neutral financial services organisation in Africa. Nedbank - Group's headquarters are in Sandton, Johannesburg, while it has large operational centres in Durban and Cape Town, complemented by a regional branch network throughout South Africa and facilities in

Libra Brokers. From small and humble beginnings, 31 years ago, Libra has grown to become a major force in the world of insurance broking. Trading from 9 branches today, occupied by highly skilled and motivated staff, we proudly and comfortably compete on a national level. The scale in our coat of arms, is our benchmark and it mirrors our creed: "The perfect balance between service and premium" Our products and service offering are of the highest standard and we pride ourselves in our exceptionally high rate of client retention.