Share Investing. Learn to build your own wealth online.

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1 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Share Investing Share Investing Learn to build your own wealth online.

2 Whether you have been investing in shares for years, or you are just starting out, investing in your future is smart and we ve made it simple too. Learn about shares and invest directly in JSE shares and Krugerrands online with FNB Share Investing Learn how to buy, sell and hold shares online or call us on 0860 SHARES ( ). Join the gold rush and invest directly in gold. Buy Krugerrands online. View your portfolio, cash balance and transaction history online, or via Cellphone banking. Access user-friendly company and share information as well as a comprehensive learning centre online. Located within online banking, your account is held within the most secure environment that FNB offers. Choose a product that suits you Whether you are new to investing in shares, or a seasoned share investor, we have two products that allow you to invest directly in JSE shares online depending on your level of experience in the share market. Share Builder Ever wanted to invest in shares but have no idea where to start? Share Builder introduces you to the world of share investing by offering you the choice of investing in a limited selection of JSE listed shares and the full range of Krugerrands online. Share Investor Use your experience in the share market and build your portfolio of wealth by investing in the full range of JSE shares and Krugerrands online.

3 Which one to choose? SHARE BUILDER If you are new to shares and not sure where to start, Share Builder is for you. SHARE INVESTOR If you have some experience in the share market and enjoy the challenge of doing it on your own, Share Investor is for you. Learn to invest in shares online using a simple and affordable platform. Buy and sell your shares on our fast, fully integrated platform. Invest in a limited selection* of JSE listed shares and exchange traded funds online. Invest in the full range of JSE listed shares online. Invest in the full range of Krugerrands online. Invest in the full range of Krugerrands online. Utilise our fully comprehensive online Learning Centre to help you understand the world of shares. Get access to our online Learning Centre as well as share market and company information, which will assist you in buying and selling your shares. Track your shares and the movements of the JSE with our innovative Share Swarm. Track your shares and the movements of the JSE with our innovative Share Swarm. What are the costs?: R17pm (plus trading fees) Minimum account balance: R100 Trading fees: 2% of trade value with a minimum of R50 per trade excl. VAT No other costs apply What are the costs?: R45pm (plus trading fees) Minimum account balance: R200 Trading fees: 0.6% of trade value with a minimum of R80 per trade. Exclusive of IPL, STT, STRATE charges** and VAT Note: all share prices are 15 minute delayed Note: all share prices are 15 minute delayed

4 *How we select our limited list of Share Builder shares: The Share Builder limited selection of shares is constructed to give clients the opportunity to build a diversified portfolio of relatively stable stocks. The aim is not to predict what shares will outperform others, but rather to look for companies to which you can relate and identify with through their brands, as well as provide an opportunity for diversification through companies that have displayed stability and share price growth, without excessive risk. To find out what shares are included in the Share Builder limited selection of shares, please go to share-investing/share-builder.html **Charges: Investor Protection Levy (IPL): % Securities Transfer Tax (STT): 0.25% of all purchases (not applicable to sell transactions) STRATE: % with a minimum of R10.92 and a maximum of R54.59 VAT: 14% is levied on brokerage, IPL and STRATE IPL, STT and STRATE charges are applied to the gross consideration. The gross consideration is defined as the share price times the number of shares. The full pricing guide for Share Investing products is available at

5 Join the gold rush and invest safely in Krugerrands FNB Share Investing now offers the buying and selling of Krugerrands online. It s one of the safest investments you can make and, for added peace of mind, we will offer to keep your Krugerrands in safe custody at Rand Refinery Ltd. As FNB, we also guarantee we will buy them back from you if you store them with us. The coins range in size from 1/10 oz, ¼ oz, ½ oz up to 1oz, giving you different size and price options to choose from. How to invest in Krugerrands. All you need is a Share Investing account (either Share Builder or Share Investor) and you have access to buy and sell Krugerrands online.

6 Start investing in shares and Krugerrands now! Open your account online at call us on 0860 SHARES ( ) or fnb.co.za Not an FNB customer yet? No problem! All you have to do is call us on 0860 SHARES ( ), and we will talk you through the process of opening up your account and starting your Share Investing portfolio. It s simple and hassle free. Alternatively, you can go to any FNB Branch, and they will assist you in opening up your account. Start investing in your future today with FNB. Item no: Aug 11