FNB Credit Card offers the following FREE Value-added Services* : FNB Credit Card offers the following Rewards you can earn* :

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1 FNB is no longer just about credit, it has grown into the ultimate transactional tool giving you real value and benefits that make life rewarding with everyday savings. FNB offers the following FREE Value-added Services* : Included: (part and parcel of your product) Comprehensive Global Travel Insurance Automatic Debt Protection Lost Card Protection PIN Replacement AA Emergency Roadside Assistance (Petro Cards only) Optional: (customer needs to apply) Online Banking Subscriptions Telephone Banking Subscriptions Cellphone Banking Subscriptions incontact (SMS / notification) Decline incontact FNB offers the following Rewards you can earn* : ebucks Rewards on Fuel Rewards on Airtime Visit for more information or call * Terms and Conditions apply. Page 76

2 ebucks* (Classic, Gold and Platinum s only) ebucks is FNB s innovative rewards programme. You can enjoy being rewarded by swiping your FNB. Annual ebucks R200,00 (per annum, per account on the anniversary of the ) Value-added Services* : Comprehensive Global Travel Insurance Get free Comprehensive Global Travel Insurance for every ticket purchased with your FNB. This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. There s no need to buy additional top-up cover. Earn rate: (Straight & Budget) Loyalty Cap: eb1 for every R10 spent Straight Budget AA Emergency Roadside Assistance (Petro Cards only) AA Emergency Roadside Assistance, giving you peace of mind motoring includes call-out & tow-in services. Classic Credit Card R5 000,00 Unlimited This benefit now includes a new Stand By You service. Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives. Gold Credit Card Platinum R10 000,00 R20 000,00 Unlimited Unlimited There is no minimum card spend required for you to start earning ebucks, but rewards will only be paid out once the minimum payment for that specific account is made. Excluded transactions include fuel purchases, cash withdrawals, third party payments, balance transfers, electronic fund transfers (EFTs) and gaming transactions. Debt Protection Plan Automatic Debt Protection protects you and your family, at no additional cost, from the outstanding debit balance on your FNB account or the specified maximum amount as stated in the table below, whichever is the lesser at the time of your death or permanent disability. We offer Top-up Debt Protection Plan (TDPP) as a top-up to Automatic Debt Protection to extend your specified maximum debt cover at an additional cost, as per the table below. Rewards you can earn* You can now earn Rewards on your fuel AND airtime purchases! Fuel Get up to 15% back in ebucks or 10% back in cash on your qualifying fuel purchases made with your FNB Credit or Linked Petro Card. Classic Automatic Debt Protection (ADP) Premium Specified Maximum Amount Top-up Debt Protection Plan (TDPP) Premium Specified Maximum Amount R6,00 / R2 000,00 R48 000,00 Total cover R50 000,00 Airtime Get up to 15% back in ebucks or 10% back in cash on your qualifying prepaid airtime purchases made through FNB s electronic channels (Online Banking, Cellphone Banking and the FNB Banking App). Gold Credit Card Platinum R5 000,00 R12 000,00 R5,00 / R5,00 / R75 000,00 R88 000,00 R80 000,00 R ,00 Visit for more information. Standalone Petro Card R6,00 / R9 000,00 R10 000,00 Page 77 Page 78

3 SLOW Platinum customers enjoy exclusive access to SLOW Domestic Lounges, which can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. Qualifying criteria and terms of usage are detailed in the tables below. Terms, Conditions and Rules Apply. SLOW International For a limited period only, Platinum customers can enjoy exclusive access to the SLOW International Lounge located at the International Terminal of O.R. Tambo International Airport. Any additional entries in excess of those mentioned above and where qualifying criteria has been met is charged at R250,00 per person. Meet the qualifying criteria by: Having an active Platinum in good standing** Having total monthly swipes to the value of at least R5 000,00 on your Platinum in the billing / statement period preceding your visit * Terms and Conditions apply. ** An account in good standing means that none of your FNB and FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs. SLOW Domestic Lounges Do you meet the qualifying criteria? Charges R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years R500,00 pp Do you meet the qualifying criteria? Peak time allocation Off-peak time allocation SLOW in the City 2 free SLOW Lounge visits per billing/ statement period for cardholders only. No guest visits. 4 free SLOW Lounge visits per billing/ statement period for the cardholder (including guests). Platinum customers also enjoy exclusive access to SLOW in the City located in the heart of Sandton. Please note that these facilities are charged for, and they are available to Platinum customers for a limited time only. Please note that Terms, Conditions and Rules apply. For further details on all your Rewards and Benefits, visit R250,00 pp R250,00 pp Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00-17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak). Page 79 Page 80

4 For ease of reference, monthly NCA Card fees for our product range have been segmented below. s that have not changed or have decreased are shown in orange. Card s Additional Card s (per card linked to account) Linked Petro Card (per card linked to account) Initiation (once-off) Classic R24,50 R11,66 Gold R28,00 R11,66 Platinum R55,00 Standalone Petro Card R27,04 R27,04 Not applicable Definitions: Card : Refers to the costs of account and transactional maintenance of your Primary Card Account. NCA Customers (Credit agreements after 1 June 2007). You are an NCA customer if: You entered into a credit agreement with us on or after 1 June You were an existing FNB customer, who after 1 June 2007 chose to re-contract with us. Usury Customers (Credit agreements prior to 1 June Governed by the Usury Act). You are a Usury customer if: You were a customer of FNB prior to 1 June Page 81 Page 82

5 Other FNB Related s Purchases Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Purchase (Local)* Budget Purchase Linked Maximum Account rate for Platinum and Islamic Platinum Cheqeu Acc Transfers & Account Payments IVR Smart Transfer to FNB Linked Account Transfers R3,30 Fuel Transaction (Petro Cards only) Cash Withdrawal s R4,50 Third Party Payments Telephone Banking (consultant assisted) R7,00 R34,00 FNB ATM (per R500,00) R6,30 (max R25,20) Transfers and Payments at Branch R40,00 Other Banks ATM FNB Mini ATM (per R500,00 or part thereof) R6,50 + FNB ATM R3,00 Balance Enquiries FNB ATM Other Banks Mini ATM (per R500,00 or part thereof) Branch (includes all financial institution branches and the purchase of foreign exchange) Cash on Budget % of value : Platinum Gold Classic R4,50 R33, % of withdrawal value R45,00 + % of withdrawal value 2.00% 2.25% 2.50% FNB Branch R3,95 International R3,95 Other Banks ATM R3,95 Voucher Retrieval Requests Local R70,00 International R240,00 International^ (ATM and Branch) R27, % of withdrawal value Statements Deposits Current monthly statement ( ) Cheque Deposits (free for Encore) R16,00 Current monthly statement (post) FNB ATM with Automated Deposit Terminal (ADT): % of value Minimum 0.70% R5,50 Cheque Clearance R240,00 FNB Branch and FNB ATM with envelope deposits: % of value Minimum 1.35% R30,00 Dual statement ( & post) FNB ATM Mini Statement (view or print) FNB Branch R15,00 R2,80 R5,00 (per request R1,00 per page thereafter, max R50,00) Page 83 Page 84

6 Statements (continued) Convenience s Historical Statements Paper statement R5,00 (per request R1,00 per page thereafter, max R50,00) Send money to an FNB ewallet Value: R20,00 R8,50 Value: R1 000,01 R2 000,00 Value: R2 000,01 R3 000,00 R16,50 (per statement) Other s R5,00 Changes to Account Limits Bank Cheque Administration R60,00 Special Arrangement R330,00 Reschedule R90,00 Reversal of incorrect Send money to an FNB ewallet transaction Cardless Cash Withdrawal (Cellphone Banking) Pay2Cell R3,30 LOTTO TM / PowerBall Purchase R1,80 Prepaid Transaction (FNB ATM, Cellphone, Online & Telephone Banking) R20,00 R4,00 + FNB ATM R1,80 Budget Facility Setup (if not done at Point of Sale) R33,50 Unpaid s Temporary Credit Service ** (only applicable to NCA accounts with credit agreements after 1 June 2007) Section 129 Letter Declined Transaction Arrears (only applicable to NCA accounts with credit agreements after 1 June 2007) Card Replacement Fast-track Card Replacement (per card) Card Courier Personal Delivery Card Delivery to the nearest FNB Branch R230,00 R55,00 R35,23 R7,00 R125,00 R105,00 R385,00 R195,00 * International Currency Commission and Conversion of 2.75% of the transaction value applies for International purchases. ^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM s charge an additional surcharge. ** A monthly service fee in accordance with the National Credit Act and not exceeding the maximum permissible. Card fees are not negotiable. Important information: s that have not changed or have decreased are shown in orange. The above pricing is inclusive of VAT. The 50% Encore discount applies to the Card s of the Primary and Linked Petro Card. The 50% discount does not apply to additional cards. FirstRand Bank Limited reserves the right to amend product features or pricing at anytime with reasonable notice. We further reserve the right to re-price our products at anytime subject to Regulatory or Legislative changes. A detailed copy of the pricing is available at your nearest FNB Branch and on the website. NCA interest rates are personalised and appear on the Statement. Visit our website at for a copy of the Terms and Conditions that govern our agreement. Should you require further information on any FNB products or services, please contact FNB Customer Enquiries on Page 85 Page 86