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1 understand your bank fees. Pricing Guide 1 July June 2015 account accounts First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). MoneyGram TM

2 Congratulations on making the right choice and banking with FNB. This guide has everything you need to understand how your bank fees are charged. It will also help you use your account in the safest and cheapest way. Prices include VAT and are valid from 1 July 2014 to 30 June The fees outlined in this guide are FNB s most common fees for a detailed list of fees on your account, please visit or chat to a consultant in an FNB Branch. FNB is making banking easier, quicker, safer and cheaper for you to do your day-to-day banking. We want you to pay less, and get more so we have made some of the most key functions of your account : To check your balance using echannels and Mobile Channels You pay no fees when you use your FNB Debit, or to pay Access to Cellphone, Online and the FNB App (there are no subscription fees) For FNB to change your debit orders and switch your salary to your new account InContact; we ll SMS you every time more than R100 goes into, or out of, your account TM ; no charge for withdrawing cash at till points at selected retailers when you use your Card to pay for your shopping echannels consist of the following: FNB ATM Online Telephone (self-help) Mobile Channels consist of the following: Cellphone FNB App (for phone & Tablet) s Youth Save s

3 There are lots of different ways of getting things done without going into an FNB Branch. Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch any time if you have questions, want to know more about your account or need more information. You can also call for help. 1. Go cashless Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy to steal or lose cash) Paying for shopping with your FNB Card is cheaper and safer than using cash Doing your banking at an FNB ATM, Online or using your cellphone is quicker and cheaper than going into a branch The cheapest way to get money into your account is by electronic transfer If you want to put cash into your account use an FNB ATM, and your cash will be available in your account straight away. You can deposit your money any time (day or night) s Youth 2. Don t pay if you don t have to Save Checking your balance with FNB is do this to make sure that you always have enough money in your account for your debit orders. If you do not have enough money for a debit order, you may be charged additional fees and this may affect your credit record. s

4 3. Use Cellphone Did you know you can do most of your banking using your cellphone? Cellphone is quick, safe, easy and works on any cellphone. With Cellphone you can: Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime) Check your account balance Get a mini statement Stop debit orders Pay your clothing accounts Pay your electricity account and other bills Play the LOTTO TM or Powerball To register for Cellphone Dial *120*321# Select more features, then continue Enter the PIN number for your FNB Card Choose a Cellphone PIN (keep this secret) You are now ready for self-service banking: - Dial *120*321# to use Cellphone - Dial *130*321# to buy airtime with no airtime s Youth 4. Use Online Online is like having your own branch wherever you have access to the internet. This enables you to manage your money 24/7 without having to wait in a queue. You will have access to a one-stop shop that is easy to use, intuitive and tailored to your personal needs. It is a simple and secure way of doing your banking when it suits you - and what s even better, is that your subscription to Online is. FNB customers can easily set up their Online profile by following the instructions on Save s TM

5 A straightforward Bank meant for day-to-day transacting, no extras and no hidden costs plain, simple banking. You spend less on bank fees every month, which means you have more money to pay for the things that are important to you. An is real value for money. Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Fee s Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Purchases (Local Only) Pay with your card Cash Withdrawals FNB ATM FNB Mini ATM/Slimline Other Banks Mini ATM Other Banks ATM Deposits Cash Deposit at FNB ATM Deposit at FNB Branch and ATM Post-dated R4.95 R4.55 per R1 000 (Max R9.10) R4.55 R4.55 R9.10 R4.55 R (per deposit) R (per cheque) Youth Save s

6 Transaction Description Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels FNB Branch Payments Stop Orders (Scheduled Payments) Using echannels & Mobile Channels FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Balance Enquiries Using echannels & Mobile Channels Point-of-Sale Branch and Telephone (Consultant Assisted) Other Banks ATM Fee R1.10 R3.20 R43.00 R3.20 R43.00 R1.50 R3.20 R5.00 R5.00 R15.00 R43.00 R11.50 R3.00 R3.30 s Youth Save s TM

7 Transaction Description Statements FNB ATM Transaction List Cellphone Mini Statement Historical Statements Branch Statements Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM Returned Item (Debit Order and Scheduled Payments) Card Replacement Fees Replacement of Non-personalised Card Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Electronic Subscriptions Services (Fee per Month) My Limit Alert Scheduled Payment Alert Balance Alert (Fee per Month) Monthly Weekly Daily Payment Notifications SMS Fax Fee R3.20 R3.20 R 3.50 (per statement) R 3.50 (per page) R7.50 R 5.00 (per item) R38.00 R1.50 R40.00 R8.50 R6.00 R20.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 s Youth Save s

8 Transaction Description Other Fees Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Fee R55.00 R4.35 R s Youth Save s

9 and Islamic Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and Transfers using echannels and Mobile Channels Cash withdrawals using TM You also get four FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your account often during the month. Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and manual transactions. You are charged for each transaction at the applicable fee. For this low monthly fee you will also get: Card purchases cash withdrawals using TM mini statements and balance enquiries using Mobile Channels Please note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option. Exclusive for Holders: As a customer, you can get airtime* every month if you bank smart! Qualifying to get airtime* is easy, all you need to do every month is: Have an active that is in good standing Deposit at least R1 000 into your and spend R300 or more using your Card Every month you can: A is perfect if you re looking for a low monthly fee, and a little more flexibility to fit into your lifestyle. Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and Earn R5.00 airtime for every R100 airtime you buy using echannels and Mobile Channels; and Earn R5.00 airtime for doing your banking using echannels and Mobile Channels (instead of visiting a branch and doing a transaction at the counter); and Earn R5.00 airtime for drawing more cash using TM than using an ATM Islamic We are pleased to offer you the option of choosing a Shari ah compliant. With Islamic you may be eligible to earn a monthly profit share on your linked Pocket. For more information please contact the Islamic contact centre on * Terms, conditions and rules apply. s Youth Save s

10 Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Cash Withdrawals FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch Unlimited 2.75% of transaction value Pay-As-You-Use R49.00 R12.00 R4.00 per R Four every Month, thereafter R6.70 per R R4.00 per R R6.70 per R R (R6.70 per R500.00) R43.00 R28.00 R % of withdrawal value s Youth International Branch (Additional 2.75% Commission and Conversion fee applies) Deposits R % of withdrawal value R % of withdrawal value Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R (per deposit) R85.00 R (per cheque) R1.10 R8.50 R8.50 Save s

11 Transaction Description Unlimited Pay-As-You-Use Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) R35.00 R43.00 R35.00 R1.00 R3.50 R1.00 R7.00 FNB Branch Bank Debit Orders Internal External R43.00 R80.00 R3.70 R7.50 s Youth Cancel Debit Order (Stop Payment) Online R5.00 Mobile Channels Telephone (Consultant Assisted) R5.00 R15.00 Branch R43.00 Scheduled Payment Related (Establishment and Amendment) Online Branch R11.50 Balance Enquiries Using echannels & Mobile Channels Save Point-of-Sale R1.40 International Point-of-Sale Other Banks ATM R2.50 R4.20 Branch and Telephone (Consultant Assisted) R4.20 Statements Cellphone Mini Statement s FNB ATM Transaction List R3.00

12 Transaction Description Unlimited Pay-As-You-Use Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM Returned Item (Debit Order and Scheduled Payments) Chip & PIN Card (non-personalised) ised Card Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money to an Reversal of Send Money to My Limit Alert Scheduled Payment Alert Monthly Weekly Daily SMS Fax Statements Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) Card Replacement Fees Convenience and Value Added Services Send Money Electronic Subscriptions Services (Fee per Month) Balance Alert (Fee per Month) Payment Notifications R 6.00 (per statement) R (per statement) R (per statement) R (per page) R7.50 R 5.00 (per item) R80.00 R R1.50 R40.00 R (R6.70 per R500.00) R8.50 R20.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 s Youth Save s

13 Transaction Description Unlimited Pay-As-You-Use Other Fees Card Courier Fee Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your Limit has been exceeded) R95.00 R55.00 R % of Cash Value R57.00 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R Cash Centre Deposit: Error in Cast R55.00 s Youth Save s

14 and Islamic A from FNB offers you so much more than just a Bank - it offers you functionality and flexibility, allowing you to manage your money in the best way possible. All Customers have access to the following: Bank monthly subscription to FNB echannels and Mobile Channels InContact; we ll SMS you every time R100 or more goes into, or out of your account ed monthly statements TM ; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay for your shopping You don t pay transactional fees when you swipe your Card, no matter how big, or small your purchase is Save A ( Pocket) linked to your : keep your savings separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive interest rate on your credit balance Bank your Change: automatically rounds up the value of the purchase made with your card and transfers the difference directly into your ( Pocket) so you save while you spend! Borrow Overdraft: offers you instant access to short-term credit so you ll have money to cover unexpected expenses, and you only pay when you use it Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your will be used to pay off the loan amount Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those funds without having to re-apply for credit Lifestyle Get access to a range of lifestyle benefits and rewards created just for you. For your convenience, we can deliver your FNB Card to your home or office You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest s Youth Save s

15 ebucks Rewards* NEW Subscription to ebucks is As a FNB customer you can earn ebucks for doing everyday things like swiping your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid airtime and prepaid electricity electronically through FNB You can spend the ebucks you earn on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers, outdoor equipment, fashion - you name it You could also get up to 40% off the purchase of lifestyle products in the ebucks Shop or when you book your travel arrangements through ebucks Travel. This means that the more ebucks you earn, the more you can save when you spend your ebucks AND get a discount on your purchase You can also get monthly 3G Data if you have an active FNB Device contract or get a discount on your FNB Connect Uncapped ADSL Data subscription For detailed information on how to qualify, earn and spend your ebucks Rewards please visit Exclusive for Platinum Holders Premier services to take care of your banking needs Access to SLOW* Airport Lounges for domestic and international travel Get Comprehensive Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Card Platinum Card delivered by courier at no extra charge Three pricing options are available to ensure you always get exactly what you need, without paying too much: Bundled Pricing Option: From October 2014, this new pricing option is available. This option is for you if you want to pay a fixed discounted monthly account fee, which includes your as well as monthly fees. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit Orders Card Purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using TM You also get four FNB ATM withdrawals every month Please note that this option is only available on Platinum s s Youth Save Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using TM You also get four FNB ATM withdrawals every month. s

16 Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For a low monthly fee you also get: card purchases cash withdrawals using TM transactions using Mobile Channels which include: Transfers and payments, mini statements and balance enquiries Pay-As-You-Use pricing option is not applicable to One. Islamic We are pleased to offer you the option of choosing a Shari ah compliant. With Islamic you may be eligible to earn a monthly profit share on your linked Pocket. For more information please contact the Islamic contact centre on * Terms, conditions and rules apply. s Youth Save s

17 Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Monthly Fees* Bundled Unlimited Pay-As-You-Use Gold & Islamic Gold Platinum & Islamic Platinum One Monthly Fee Other Monthly Fees N/A R R R R R R31.50 R40.00 N/A One Service Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Device Payment** Petrol Card Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Petrol Card R N/A Device dependant R % of transaction value R4.75 s Youth Cash Withdrawals FNB Mini ATM/Slimline R4.00 per R Other Banks Mini ATM R4.00 per R FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch/ International Branch (Additional 2.75% Commission and Conversion fee applies) Four every Month, thereafter R6.70 per R R (R6.70 per R500.00) R6.70 per R R43.00 R28.00 R % of withdrawal value R % of withdrawal value R % of withdrawal value Save s * An additional monthly Exchange Control Administration Fee of R13.00 will be levied on Non-Resident accounts. ** Only applicable if you have taken up the FNB phone/tablet/laptop offer. Refer to for the monthly device payment applicable.

18 Transaction Description Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Bundled/ Unlimited R3.50 R35.00 R43.00 R7.00 R35.00 R43.00 R80.00 R5.00 R5.00 R15.00 R43.00 R11.50 Pay-As-You-Use R3.70 R % of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R (per deposit) R85.00 R (per cheque) s Youth Save s

19 Transaction Description Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements* Current Month ed Statement First Official Monthly Statement Collected at an FNB Branch Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item ( and Debit order) Card Replacement Fees Visa Card/Chip & PIN Card FNB Petrol Card * Free for s utilising an Overdraft. Bundled/ Unlimited R1.10 R8.50 R8.50 R1.40 R2.50 R4.20 R4.20 R3.00 R 6.00 (per statement) R (per statement) R (per statement) R (per page) R7.50 R60.00 for first three, R thereafter (per item within a 12 month period) R R Pay-As-You-Use s Youth Save s

20 Transaction Description Credit Fees Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft) Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit) Monthly Credit Service Fee (Revolving Loan) Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit) Loan Related Fees (One Specific) Initiation Fee (once-off) Valuation/Revaluation Fee Early Settlement Fee Book Fees Pocket 40 Form Copies of Vouchers (Deposit Slips and s) Online Branch and Telephone (Consultant Assisted) Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Send Money to Zimbabwe/Mozambique Value: R R Value: R R Value: R R Bundled/ Unlimited R57.00 R25.00 R57.00 R17.00 R R Levied when home loan is cancelled without giving 90 days notice. Fee is based on outstanding balance of your loan, your interest rate and remaining loan term. R40.00 R (per side) R1.50 R40.00 R (R6.70 per R500.00) R8.50 R20.00 R45.00 R70.00 R Pay-As-You-Use s Youth Save s

21 Transaction Description Additional Statements (Fee per Month) My Limit Alert Scheduled Payment Alert Monthly Weekly Daily SMS Fax Online Paper Daily Weekly Twice Monthly Daily Weekly Twice Monthly Electronic Subscriptions Services (Fee per Month) Balance Alert (Fee per Month) Payment Notifications Other Fees Card Courier Fee Device Courier Fee Book Courier Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your Limit has been exceeded) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Optional Roadside Assistance on your qualifying Card Cash Centre Deposit: Error in Cast Bundled/ Unlimited R46.00 R21.00 R11.50 R85.00 R34.00 R17.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 R95.00 Device dependant R R55.00 R % of Cash Value R57.00 R R5.50 R55.00 Pay-As-You-Use s Youth Save s

22 NEW Gold & Platinum The Portfolio is exclusively designed for you if you are 55 and older. In addition to the benefits available to all FNB customers, you ll also enjoy: Preferential interest rates on the Pocket linked to your FNB. (No fees are charged on your Pocket and the more you save, the better your interest rate) Qualifying and Petro Card customers benefit from a 50% discount on the Monthly Card Fee, however you are required to apply for the offering when you reach the age of 55 or older. Terms and conditions apply. Platinum From October 2014, the Platinum is available which offers Platinum benefits to over 55's. Customers over the age of 55, who have annual earnings of R or more, can take up the Platinum offering. Home Platinum Holders enjoy the following exclusive Platinum benefits: Premier Services for all your banking needs Access to SLOW* airport lounges for domestic and international travel Get Comprehensive Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Card Platinum Card delivered by courier at no extra charge Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using TM You also get four FNB ATM withdrawals every month. Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times. 1. Balance Option: you will not pay the monthly Fee if you are able to maintain at least R5 000 in your. This option includes: unlimited qualifying electronic transactions; and four FNB ATM cash withdrawals; and a combination of three branch, cheque and Telephone (consultant assisted) transactions (excluding all cash and cheque deposits) per month 2. Pocket Option: you will not pay the monthly Fee if you pledge at least R in your Pocket linked to your. This option includes: unlimited qualifying electronic transactions; and four FNB ATM cash withdrawals; and a combination of three branch, cheque and Telephone (consultant assisted) transactions (excluding all cash and cheque deposits) per month * Terms, conditions and rules apply. s Youth Save s

23 Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Unlimited Standard Monthly Fees Gold Platinum R95.00 R95.00 R R Online and Cellphone Subscriptions InContact Linked ( Pocket) Petrol Card Minimum Balance for Rebate on Monthly Fee Minimum Balance in your N/A R14.50 R5 000 Minimum Balance in linked Pocket Card Purchases N/A R s Pay with your card Commission and Currency Conversion Fee on International Card Purchases Petrol Card Cash Withdrawals FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch International Branch (Additional 2.75% Commission and Conversion fee applies) 2.75% of transaction value R4.00 per R Four every Month, thereafter R6.70 per R R (R6.70 per R500.00) R43.00 R23.00 R % of withdrawal value R % of withdrawal value R23.00^ % of withdrawal value R23.00^ % of withdrawal value Youth Save s ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. TM

24 Transaction Description Unlimited Standard Linked Transfers Into Linked ( Pocket) Using echannels Using Mobile Channels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated R35.00 R 12.50^ R43.00 R 23.00^ R35.00 R 12.50^ R43.00 R 23.00^ R80.00 R5.00 R5.00 R15.00 R % of deposit value (min R5.50) 1.51% of deposit value (min R 22.00) R (per deposit) R85.00 R (per cheque) s Youth Save s ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. TM

25 Transaction Description Unlimited Standard Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements* Current Month ed Statement First Official Monthly Statement Collected at an FNB Branch Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item( and Debit Order) Card Replacement Fees Electron Visa Card/Chip & PIN Card FNB Petrol Card R1.10 R8.50 R 8.50^ R4.20 R4.20 R3.00 R 6.00 (per statement) R (per statement) R (per statement) R (per page) R7.50 R60.00 for first three, R thereafter (per item within a 12 month period) R80.00 R R s Youth Save s * Free for s utilising an Overdraft. ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.

26 Transaction Description Unlimited Standard Credit Fees Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft) Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit) Monthly Credit Service Fee (Revolving Loan) Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit) Book Fees Pocket 40 Form Copies of Vouchers (Deposit Slips and s) Online Branch and Telephone (Consultant Assisted) Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Send Money to Zimbabwe/Mozambique Value: R R Value: R R Value: R R Additional Statements (Fee per Month) Daily R57.00 R25.00 R57.00 R17.00 R40.00 R (per side) R1.50 R40.00 R (R6.70 per R500.00) R8.50 R20.00 R45.00 R70.00 R R46.00 s Youth Save Online Weekly Twice Monthly R21.00 R11.50 Daily R85.00 Paper Weekly R34.00 Twice Monthly R17.00 s

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