Forex. Pricing Guide 1 July June 2016

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1 Forex Pricing Guide 1 July June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Forex When it comes to your foreign exchange requirements, FNB has kept your convenience top of mind. As such, we have adapted our Forex for personal banking and simplified your Forex transactions so that you can easily: Receive money from abroad Send money abroad Pay tuition fees in another country Global Payments If you regularly receive money in a foreign currency from abroad, why not give us permission to convert these payments on your behalf? That way, you can earn up to 100% back in ebucks* on the transaction charges Did you know that sending and receiving money in a foreign currency via Online Banking or the FNB Banking App will also earn you up to 50% back in ebucks* on transaction charges? So, next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign currency payments, don t hesitate to login to FNB Online Banking, the FNB Banking App on your smartphone or contact the FNB Forex Advisory Team on FOREX (36739) Buy clothing and goods from anywhere in the world Order foreign currency *For ebucks Terms and Conditions, visit and have it delivered to your business premises Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc. Global Accounts FNB Global Accounts makes offshore investment simple and convenient. With Global Accounts via Online Banking, you can: Open and manage your Global Accounts online Hold your individual foreign investment allowance in a foreign currency by simply transferring funds from your FNB Cheque Account into your Global Account Make payments to an offshore account from your Global Account Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in the world to your Global Account (All transactions are subject to the South African Reserve Bank requirements) Global Accounts are offered in the following currencies: US Dollar British Pound Euro Australian Dollar Indian Rupee Chinese Renminbi

Global Payments If you regularly receive money in a foreign currency from abroad, why not give us permission to convert these payments on your behalf?

3 Travel Solutions Foreign Notes: cash in the currency of the country you re travelling to for taxis, and a coffee at the airport Multi-currency Cash Passport: a chip & PIN-enabled travel card offering four currencies on one card so you can spend at merchants or withdraw at ATMs displaying the Mastercard acceptance mark MoneyGram Send money to more than 200 countries worldwide with MoneyGram. It is quick, easy and safe to get cash to your friends and family around the world. Load your beneficiaries in branch and next time send cash using MoneyGram via Cellphone Banking or any FNB ATM. (Transactions via Cellphone Banking and ATM can only be done to preloaded beneficiaries.) You will receive a reference number confirming you have sent the money. You will need to give this reference number to the beneficiary The beneficiary can then go to their nearest MoneyGram agent in their country with the reference number and present their identification document to collect the money within minutes of you sending it Travel Products Travel Products Bought from FNB Online and Call Centre Branch Cash Passport Cash Passport Initial Card Fee (per currency) R R Cash Passport Commission Foreign Notes Foreign Notes Commission LSL, NAD, SZL (CMA countries) Notes Commission Delivery 1.85% (minimum R 68.00) 1.95% (minimum R 75.00) 3.15% (minimum R ) 1.95% (minimum R 75.00) 1.98% (minimum R 90.00) 3.15% (minimum R ) Delivery Fee R Failed delivery Fee (if customer is not available when appointment was made) R Travel Products Sold to FNB Cash Passport If credited to an FNB transactional account If paid out in cash or credited to any other account Foreign Notes Foreign Notes commission LSL, NAD, SZL Notes commission FREE 1.85% (minimum R 68.00) 1.95% (minimum R 75.00) 1.98% (minimum R 90.00) 3.15% (minimum R )

It is quick, easy and safe to get cash to your friends and family around the world. Load your beneficiaries in branch and next time send cash using MoneyGram via Cellphone Banking or any FNB ATM.

4 International Payments Global Payments (SWIFT) Commission Online and App 0.52% (minimum R maximum R ) Branch and Call Centre 0.54% (minimum R maximum R ) SWIFT Fee R R Additional Fee if payment is sent in South African Rand R R Global Receipts (SWIFT) Commission 0.52% (minimum R maximum R ) 0.52% (minimum R maximum R ) Additional Fee if payment is received in South African Rand R R Foreign Cheques All Channels Drafts Commission 1.25% (min R230, max R900) Draft charge R Bills Negotiable Commission 1.25% (min R230, max R900) Low Value Global Receipts (SWIFT) and Bills Negotiable Commission ZAR Fee Received in a Foreign Currency Value R 0 - R R Value R R R Value R R R Value R Standard Pricing Received in South African Rand Value R 0 - R R FREE Value R R R FREE Value R R R FREE Value R R R R Value R R R R Value R Standard Pricing Standard Pricing Inward Pension Receipts Value R 0 - R R Value R R R Value R R R Value R R R Value R R R Value R R 55.00

00) 0.52% (minimum R 145.00 maximum R 680.00) Additional Fee if payment is received in South African Rand R 130.00 R 130.00 Foreign Cheques All Channels Drafts Commission 1.

5 Global Accounts, MoneyGram and other Products or Services Global Accounts Interest Rate View on Transfer to/from your Rand account R Transfer between Global Accounts R Withdrawal or deposit using another Forex product Charges as per Forex product used MoneyGram TM Send Amount (USD) From Send Amount (USD) To Send Fee (USD) $ 0.01 $ $ 7.00 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Other Products and Services Forward Exchange Contracts Establishment R Drawdown (per drawdown) R Cancellation R Extension R Exchange Control Applications to the SARB Minimum per application R Minimum special request or follow up discretionary admin fee R

00 $ 10.00 $ 100.01 $ 150.00 $ 11.00 $ 150.01 $ 200.00 $ 13.00 $ 200.01 $ 250.00 $ 15.00 $ 250.01 $ 300.00 $ 17.00 $ 300.01 $ 400.00 $ 19.00 $ 400.01 $ 500.00 $ 24.00 $ 500.01 $ 600.00 $ 29.00 $ 600.

6 The Small Print FNB s Small Print is straightforward. Here we go: Information on our products and prices FNB, a division of FirstRand Bank Ltd., reserves the right to change fees or be held responsible if an error or omission is found. introduce new fees from time to time. If we do this, though, we ll give you at You must apply for each facility or product individually. least 20 business days notice of these changes. You ll find changes on or on FNB ATMs. The grant of any facility or product is subject to you meeting the qualifying criteria of that product or facility. We strive to keep the information provided in the pricing guide as accurate as possible, and we will not Each facility or product has a set of terms and conditions for that specific facility or product. We agree on these terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what s outlined in this pricing guide, we ll follow the product or facility-specific terms and conditions that apply to such a facility or product. The Bank reserves the right to change the features of any product or facility at any time. Fees quoted as per R 100 or per R 500 include parts thereof. When Cellphone Banking is referred to, standard network rates apply. All fees quoted are VAT inclusive and are effective from 1 July 2015 to 30 June The fees included here are not all of FNB s fees. For all the fees on this account, please go to First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply. Standard terminology If you want to compare FNB s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we ve used FNB-specific terminology, we ve added this here showing the wording that other banks may use. So, FNB s term as per this pricing guide is Card Purchase, while the standard terminology is Card Transaction ; FNB s term is Payment, while the standard terminology equivalent is Third Party Payment/Stop Order. FNB uses the term Slimline Devices whereas other banks might call them Mini ATMs. FNB uses the term echannels, which refers to FNB Online Banking, Cellphone Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB s Mobile Channels refer to Cellphone Banking and the FNB Banking App.

If we do this, though, we ll give you at You must apply for each facility or product individually. least 20 business days notice of these changes. You ll find changes on www.fnb.co.za or on FNB ATMs.

get the most value from your private banking.

get the most value from your private banking. FNB Private Clients Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An