The J Cole Experience competition

Terms and conditions

1. Definitions

The words in the table below mean the following:

2. The promoter

We run this competition and reserve the right to make it available to consumer banking clients only.

3. Competition period

The competition starts on 13 November 2026 and ends on 29 November 2026.

4. Who may enter the competition

4.1 To enter the competition, you must:

4.1.1 be 18 years or older;

4.1.2 have a valid South African ID;

4.1.3 be a consumer banking client with an active Nedbank product; and

4.1.4 ensure that your account is in good standing.

4.2 The following persons or entities may not enter the competition:

4.2.1 our employees (including temporary and contract employees), associated companies, agents, contractors, and sponsors;

4.2.2 Small Business Services and Business Banking clients;

4.2.3 Nedbank Private Wealth and Private Banking clients; and

4.2.4 trusts, legal or juristic persons, clubs, societies, deceased estates and stokvels.

5. How to enter

5.1 To stand a chance to win, you must do the following during the competition period:

5.1.1 Make a transfer or payment of at least R100 on the Nedbank Money App using “J Cole” as the transfer or payment reference.

6. The prize

Ten participants will each stand a chance to win two tickets each to the J Cole concert at Soccer City on 12 December 2026 (“event”).

If you are unable to attend, you can nominate 2 guest to attend.

7. Selection of the winners

7.1 The random computer-generated draw to select the winners will take place on 4 December 2026 via Microsoft Teams and will be recorded.

7.2 If you win, the following applies:

7.2.1 You will receive the prize only once we have verified and confirmed your details, including your compliance with these terms and conditions.

7.2.2 We will notify you within 5 business days of the draw via an in-app message on the Money app and then contact you on the cellphone number we have on record to verify your eligibility, confirm whether you and/or your guest can attend and accept the prize.

7.2.3 We will call you within 3 days of the notification in 7.2.2 being sent, and on the call, you must provide us with the names and details of the attendees.

7.2.4 You must also provide us with the email address that we must send the event access details/entry passes to for you and/or your guest.

7.2.5 If you cannot attend or do not provide us with the names of the guest and email address when we call, you will forfeit the prize, and a new winner will be drawn.

8. Conditions and limitations

8.1 We will try to contact you a maximum of 3 times. If we cannot get hold of you after the third try, you will forfeit the prize, and we will choose a new winner.

8.2 Each qualifying transfer or payment constitutes one entry. Participants may enter multiple times but may win only one prize.

8.3 We will not be responsible for any technical failures affecting your participation in the competition or if your entry has been left out from participation.

8.4 If a dispute arises, our decision will be final and binding on all aspects of the competition, and we will not discuss the matter further.

8.5 Winners will be responsible for any costs and expenses not expressly included in the prize, including, but not limited to, transport, accommodation, meals, parking and personal expenses.

8.6 Acceptance of the prize and attendance to the concert is at your own risk. To the fullest extent permitted by law, we accept no liability for any loss, damage, injury or claim arising from such attendance.

8.7 We will not be responsible for any delays in your taking up the prize.

8.8 We will not be responsible for any additional conditions that third parties impose.

8.9 We will give the prize directly to you and not to anyone else and it may not be sold, exchanged, ceded or assigned to any other person. We will not replace it with cash, credit or any alternative prize, either in whole or in part.

8.10 We will not be liable for delays or failure to deliver any part of the prize resulting from acts beyond our reasonable control. We will let you know as soon as reasonably possible if your prize is affected in this way.

8.11 We reserve the right to replace the prize at any time with another of similar commercial value.

9. General

9.1 All the information about the competition, including information that is published on any competition material, is part of these terms and conditions.

9.2 By entering the competition, you agree to be bound by these terms and conditions.

9.3 These terms and conditions are available on our website at nedbank.co.za/termsandconditions throughout the competition period.

9.4 If you win, we may ask you to consent in writing to endorsing, promoting and advertising any of our services, without payment. If you decline our request, you will still receive the prize.

9.5 By entering the competition, you acknowledge that your personal information needed for this competition will be shared with us and our agents, but only to the extent necessary for the competition. Your personal information will be used in line with South African consumer and data protection laws.

9.6 We may extend, shorten or cancel the competition immediately and without notifying you if it is permitted by law, if we must do so by law, or for reasons beyond our control. If this happens, you will give up any rights that you may have in terms of this competition and you will have no recourse against us or our agents, contractors or sponsors as a result of the extension, shortening or cancellation.

9.7 We or our directors, employees, agents or suppliers will not be responsible for any direct or indirect loss or damage resulting from your participation in the competition, or for any accident, injury, harm, damages, costs or death that you or any other person who participates in the prize sustains at any point during the fulfilment of the prize.

11. More information

For more information about the competition, email us at DigitalHelp@nedbank.co.za.