Smart Banking. Get more value for your money, bank Smart with FNB Smart Account and Cheque Account. Consumer Pricing Guide 1 July 2013 to 30 June 2014

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1 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Consumer Pricing Guide 1 July 2013 to 30 June 2014 Smart Banking Mar13 Get more value for your money, bank Smart with FNB Smart Account and Cheque Account. how can we help you?

2 This guide contains the fees for the most commonly used transactions. Fees include VAT and are valid from 1 July 2013 to 30 June For a full list of fees please visit or your nearest FNB Branch. Smart Account: You can choose from three Smart Account Pricing options Smart Cheque Account: You can choose from three Smart Account Pricing options Pricing option and Monthly fee Why choose this option? Pricing option and Monthly fee Why choose this option? Zero R0,00 If you are a part-time or seasonal worker If you do one or less than one ATM withdrawal per month If you do not want to pay a monthly fee and but are willing to pay more when you transact. Pay-as-you-use (PAYU) R23,00 If you earn a regular salary If you want to pay a low monthly fee and do fewer transactions If you want to build a credit record and if you want to qualify for an Overdraft Pay-as-you-use R11,50 If you earn a regular salary If you do 2-4 ATM withdrawals per month If you want to pay a low monthly fee and less when you transact Fee- Saver R23,00 If you earn a regular salary If you want to pay a low monthly fee and less when you transact If you want to build a credit record and if you want to qualify for an Overdraft If you want to keep a minimum balance of R9000 in your account all month (every month) so that you will not pay for: - Electronic transactions - The first 6 ATM withdrawals every month - A combination of your first 3 branch, cheque and telephone banking transactions (excluding cash and cheque deposits) every month R49,00 If you get a regular salary and want to know what you pay in fees upfront If you do more than 5 ATM withdrawals per month (The first 6 ATM withdrawals are included in the R49) *For an additional R22 every month you can get R funeral cover. (T s and C s apply) R84,00 If you get a regular salary and want to know what you pay in fees upfront If you do more than 5 ATM withdrawals per month (The first 6 ATM withdrawals are included in the R84) If you want to build a credit record and if you want to qualify for an Overdraft If you want to get 1GB ADSL Data from FNB Connect every month

3 The following features on your account are FREE: FREE To open your FNB account No minimum balance is required To check your balance using FNB ATM, Cellphone, or Online Banking Paying with your Debit card when shopping Access to Cellphone and Online Banking Moving your salary and debit orders to your new account incontact we will SMS you if R100 or more goes in or out of your account SMS to notify you when new debit orders are loaded on your account REWARDS As a Smart Account or Smart Cheque Account holder, you get up to 15% back for: Buying prepaid airtime and electricity from FNB Paying for your fuel with your FNB card Paying for your shopping with your FNB card at Checkers & Shoprite stores. There is no subscription fee to join FNB Rewards it s FREE. For more information on how to qualify and earn FNB Rewards please see the rewards guide available at any FNB branch or

4 Know what your banking costs Cheapest Smart Account Smart Cheque Account Most expensive Price Option Zero PAYU PAYU and Fee Saver* Monthly cost for my account R11,50 R49,00 R23,00 R84,00 Account Fee Minimum balance for rebate - R R Petrol Card Monthly Fee R13,50 R13,50 Roadside Assistance per month R5,00 R5,00 Get money into my account Salary paid electronically into your account Cheque Deposits (FNB ATM & Branch) R16,00 R16,00 R16,00 R16,00 R16,00 Deposit cash - FNB ATM FNB ATM (0.7% of deposit value, minimum R5.50) Deposit cash - FNB Branch 1,35% of deposit value, min R30 ENC Upliftment Fee (Special Clearance) Deposit of post-dated cheque Shop without using cash Debit Card Purchases International Card Purchases ( 2.75% Comm & Convenience Fee applies) Petrol Card Purchases R4,50 Buy Prepaid - Cellphone Banking & App Buy Prepaid - FNB ATM Buy Prepaid - FNB Online Banking Buy Prepaid FNB Telephone (IVR) Buy Lotto / Powerball R1,50 R1,50 R1,50 R1,50 R1,50 Buy Prepaid at other bank s ATM R7,50 R7,50 R7,50 R7,50 R7,50 Buy Prepaid Telephone Banking Consultant R8,50 R8,50 R8,50 R8,50 R8,50 FNB Connect Top-up

5 Cheapest Smart Account Smart Cheque Account Most expensive Price Option Zero PAYU PAYU and Fee Saver* Transfer money between my FNB accounts Cellphone and App ATM R4,20 R3,30 R3,30 Online R4,20 R3,30 R3,30 Telephone (Consultant) R27,50 R27,50 R34,00 R27,50 R34,00 Branch R33,00 R33,00 R40,00 R33,00 R40,00 Make a payment to another person s or company s account Payments Cellphone and App FNB ATM, Online, Telephone (IVR) & scheduled R10,00 R7,00 R7,00 Payment Notification Telephone (Consultant) Branch Cheque Bank Cheque SMS FAX R27,50 R27,50 R34,00 R27,50 R34,00 R33,00 R33,00 R40,00 R33,00 R40,00 R33,00 R33,00 R40,00 R33,00 R40,00 R74,00 R74,00 R74,00 R74,00 R74,00 R0,68 R0,68 R0,68 R0,68 R0,68 R1,05 R1,05 R1,05 R1,05 R1,05 R4,85 R4,85 R4,85 R4,85 R4,85 Scheduled Payment Fees Establishment and amendment: online Establishment - branch Amendment - branch R9,50 R9,50 R9,50 R9,50 R9,50 Debit Orders Internal Debit Order R4,20 R3,50 R3,50 External Debit Order R15,00 R9,35 R15,90 Unpaid Debit Order R5,00 R60,00 for first 3, then R138,00 per item within 12 months

6 Other fees on Smart Account and Smart Cheque Account R105,00 Smart Account Smart Cheque Account Price Option Zero PAYU PAYU and Fee Saver* Send R20 - R1 000 R8,50 R8,50 R8,50 R8,50 R8,50 Send money using ewallet Send R R2 000 Send R R3 000 R16,50 R16,50 R16,50 R16,50 R16,50 Cash at a Till (e.g. Shoprite Checkers, Pick n Pay, PEP, Boxer and selected Spar) FNB Mini ATM: R500 FNB Mini ATM: R501 - R1 000 R2,00 R0,90 R4,20 R3,00 R3,00 R8,40 R6,00 R6,00 Get Cash Other bank s Mini ATM: R500 Other bank s Mini ATM: R FNB ATM: R500 FNB ATM: R501 - R1 000 FNB ATM: R R1 500 FNB ATM: R Cardless Cash R4,20 R4,50 R7,50 R4,50 R7,50 R8,40 R9,00 R7,50 R9,00 R7,50 R10,00 R6,30 R6,30 R20,00 R12,60 6 every month, then PAYU R12,60 R30,00 R18,90 plan pricing R18,90 R40,00 R25,20 R25,20 R4,00 + FNB ATM fee on PAYU option 6 every month, then PAYU plan pricing Other Banks ATM R10,00 + FNB ATM fee R6,50 + FNB ATM fee Get a new card FNB Branch cash and cashed cheque International ATM ( 2.75% Comm & Conv Fee applies) International Branch (l 2.75% Comm & Conv Fee applies) Chip and Pin card (non-personalised) Personalised Card Petrol Card R33,00 +1,49% R33,00 +1,49% R40,00 +1,49% R33,00 +1,49% R40,00 +1,49% R33,00 R25,00 R40,00 R25,00 R40,00 R33,00 +1,50% R25,00 +1,50% R40,00 +1,50% R25,00 +1,50% R40,00 +1,50% R75,00 R75,00 R75,00 R75,00 R75,00 R105,00 R105,00 R105,00 R105,00 R105, R105,00 R105,00 Get Credit Overdraft Monthly credit service fee: up to R of facility Monthly credit service fee: more than R200 of facility R30,00 R30,00 Get a cheque book 40 Form (pages) 25 Form (pages) Vouchers (cashed cheques returned to you) - Online Vouchers (cashed cheques returned to you) Branch and Telephone (consultant) R38,50 R38, R42,50 R42, R20,00 R20,00 (per side) (per side) *When you maintain a R9 000 balance in your account throughout the mouth on the Fee Saver pricing option you quality for the following benefits: No monthly account fee qualifying electronic transactions (debit orders, prepaid purchases, transfers and payments) 6 free FNB ATM cash withdrawals A combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month.

7 Manage your account It is cheaper to do your banking using an FNB ATM or Cellphone Banking than visiting an FNB Branch. Fees below are listed from cheapest to most expensive to help you make the best choice. Cheapest Most expensive Know how much money is in my account Subscriptions (Registration needed) Cellphone Banking & Online Banking In Contact Scheduled Payment Alert R2,75 Check my Balance (Customer request) FNB ATM, Cellphone Banking, Online Banking, Telephone Banking (IVR), App POS R1,35 International POS R2,50 Telephone Banking (with a consultant) R3,95 FNB Branch R3,95 Other Bank s ATM R3,95 Balance Alert (Registration needed) Monthly R0,90 Weekly R2,95 Daily R14,80 Insufficient Funds Alert (Registration needed) We will notify you when there is no money for a debit order in your account Get my account statement Monthly statement - ed or collected from branch Mini statement cellphone banking mini statement Mini statement - FNB ATM of historic: Online (per statement) of historic: Branch & Telephone (per statement) Provisional statement requested via FNB Branch and telephone (per page) Posted/printed monthly statement R11,00 Per Page R2,80 R5,50 R11,00 R11,00 R11,50 Additional Statements Smart Cheque Account Only Paper Online Daily Weekly R32,00 Twice Monthly R16,00 Daily R44,00 Weekly R20,00 Twice Monthly R11,00

8 Cheapest Most expensive Stop a debit order Cellphone Banking Online Banking Telephone Banking (with a consultant) FNB Branch R5,00 R5,00 R15,00 R35,00 Penalty Fee Unnecessary Avoid if possible FNB ATM Decline Unpaid debit order - Smart Account Only R5,00 All other declined transactions R7,00 Reversal of incorrect Send Money to ewallet transaction R20,00 Account balance exceeded (monthly incidental credit fee applicable for accounts opened after July 2007) R57,00 Unpaid cheque or debit order Smart Cheque Account only R60,00 for first 3, then R138,00 per item within 12 months Honouring Fee (applicable for Smart Cheque Accounts opened before the National Credit Act) R100,00 for first 3, then R135,00 per item within 12 months Other Fees Online Banking Account Verification (FNB & other Bank s accounts) Online Banking: Viewing of payment history (older than 3 months) Online Banking Password reset (Telephone - Consultant) Card Courier Fee Device Courier Fee Cheque Book Courier Fee( applicable to Smart Cheque Account only) R4,10 R4,10 R52,50 R120,00 R150,00 R150,00

9 ewallet from FNB It is easy to send money to anyone, anywhere in South Africa using FNB Cellphone Banking, an FNB ATM or FNB Online Banking. All you need to receive money is a valid South African cellphone number. ewallet Monthly Fee Balance enquiry Send money to ewallet From FNB Account to ewallet: R20 - R1 000 From FNB Account to ewallet: R R2 000 From FNB Account to ewallet: R2001 R3000 Send money from ewallet to another ewallet R8,50 R16,50 R8,50 Deposit money in ewallet Cash deposit at an FNB ATM R5,00 Transfer money Transfer from ewallet to your FNB account From FNB Smart/Smart Cheque Account - pricing plan From FNB Smart/Smart Cheque Account - Zero and Pay-as-you-use pricing plan R2,50 R3,30 Payments Purchase at store Payment to a bank account Buy prepaid airtime, electricity, data from FNB R2,50 R2,50 Get cash FNB ATM Cash Withdrawals (first withdrawal per send is free) Cash at a Till at selected retailers R6,00 per R500 (max R18,00) Penalty Fee Monthly Dormancy Fee (if you do not use ewallet for six months) Reversal of incorrect Send Money to ewallet transaction Declined Transaction at an FNB ATM R5,00 R20,00

10 Mzansi and Social Grant Account Account Important to know: Monthly Cost Mzansi Social Grant - You do not pay a monthly fee - You pay for 8 transactions a month, then you pay an additional fee of R8.00 per transaction after - Mzansi Account holders are limited to a maximum balance of R every month - You are allowed to have debit orders with this account - This account is no longer available for new customers and is valid only if you live in the eastern Cape, and get a grant of any kind from Eastern Cape Government - You are not permitted to have debit orders with this account R0,00 R6,20 Account Fee Monthly cost for my account Mzansi - Social Grant - R6,20 Card Issuing Fee (Charged every month for first 6 months after account opening - Mzansi ony) R5,00 Get money into my account Cheque Deposits (FNB ATM, & Branch) ENC Upliftment Fee Shop without using cash R16,00 Deposit cash - FNB ATM First free, then R6,20 Deposit cash - FNB Branch Mzansi -R12,00 Social Grant - R15,00 Card purchases FNB Connect Top-up Buy Prepaid - ATM, Cellphone, Online, Telephone (IVR), & App Buy Prepaid - Other Banks ATM Buy Prepaid - Telephone Banking (consultant) Buy Lotto / Powerball R7,50 R8,50 R1,50 Transfer my money to a linked account ATM Cellphone Online Telephone (consultant) Branch R6,20 R6,20 R 27,50 R33,00 Make a payment - transfer money to another account Cellphone and App ATM, Online, Telephone (IVR) & scheduled Internal debit order External debit order Telephone (consultant) Cheque Payments Branch Pay and clear now R6,20 R3,30 R6,20 R 27,50 R33,00 R33,00 R38,00

11 Scheduled payment fees Establishment and amendment: online Establishment - branch Amendment - branch R 12,50 R 9,50 Send money using ewallet Send up to R1000 Send R to R2000 Send R2000 R3000 R 8,50 R 12,50 R16,50 Get Cash Cash@Till TM (e.g. Shoprite Checkers, Pick n Pay, PEP, Boxer and selected Spar) FNB Mini ATM: R0 - R1000 FNB ATM Other Bank s ATM and Mini ATM (R0 - R1000) Cardless Cash FNB Branch Cash & Cashed Cheque R 0,90 R 2,50 R 6,20 R 6,20 R4,00 + FNB PAYU ATM Mzansi - R12,00 Social Grant- R15,00 Things I need to avoid No money to pay debit order (unpaid cheque/debit order) Honouring Fee Monthly incidental credit fee / account balance exceeded FNB ATM declined All other declined Reversal of incorrect Send Money to ewallet transaction Deposit of post-dated cheque Card replacement: Electron First free, then R5,00 R100 for first 3, then R135,00 R 57,00 R 7,00 R R 45,00 R 75,00 Know how much money I have in my account Balance enquiry at FNB Balance enquiry at POS Other bank s ATM R 1,25 Other Fees Online Banking Password reset (Telephone - Consultant) Online Banking Account Verification (FNB & other Bank s accounts) Viewing of payment history (older than 3 months) R 52,50 R 4,10 R 4,10 Get a statement Subscription: FNB Cellphone Banking Subscription: FNB Online Banking Subscription: Scheduled Payment Alert Subscription: My Limit Alert R 2,75 R 2,95

12 Get a statement Balance Alert: Monthly Balance Alert: Weekly Balance Alert: Daily Payment notification: Payment notification: SMS Payment notification: fax Cellphone Banking Mini Statement FNB ATM (mini-statement) Provisional Statement (branch) R 0,90 R 2,95 R 14,80 R 0,68 R 1,05 R 4,85 R 2,80 R 11,00 per page Stokvel and Smart Save Account Account Important to know: Monthly Cost Stockvel Account Smart Save Account Account Fee - A book-based savings account for a group of people who want to save together - This account is no longer available to new customers - If you have R in your Smart Save Account at all times during the month, you will get 10 free transactions (this does not include cash deposits, special instructions, penalty fees or statement charges) R5,50 R5,50 Monthly cost for my account Minimum balance for rebate R5,50 R5000,00 Get Cash FNB Branch R24,00 Put cash into my account Cheque Deposits at FNB ATM & Branch (per deposit) Cash deposit at FNB ATM Cash deposit at FNB Branch R % of deposit (min R5.50) R % of deposit Linked Account Transfers Cellphone Banking and App FNB ATM, FNB Online Banking & Scheduled transfer, Telephone Banking (IVR) R3,30 Manage my account Account Statements at FNB Branch or telephone banking R11,00 per page Penalty Fees Lost book replacement fee R24,00

13 Bank Smart To save money, here are some tips to help you: 1. Go cashless Use your card to pay for goods Use Cellphone Banking Need more help with pricing options and banking fees? Visit your nearest FNB Branch Call the FNB Pricing Line on Use the Online Fee Calculator on Important information about our products and prices 2. How to avoid wasting money Make sure you have enough money in your account for your debit orders to avoid being charged a penalty fee Use an FNB ATM Advance to deposit cash 24/7- the money is immediately available FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new fees from time to time. We will give you at least 20 business days notice of these changes on the FNB website or on FNB ATMs Errors and omissions are excluded You must apply for each facility or product individually. The granting of any facility or product is subject to you meeting the credit and qualifying criteria of that product or facility Each facility or product has a set of terms and conditions relevant to that facility or product. We agree to these terms and conditions with the applicant. If there is a conflict between product and facility specific terms and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions that apply to such facility or product The Bank reserves the right to change at any time the features of any product or facility First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider 3. Use Cellphone Banking Use Cellphone Banking to: Buy prepaid airtime, electricity, and data Check your account balance Get a mini statement Stop debit orders Pay your clothing accounts Pay your bills/accounts Play Lotto To register for Cellphone Banking dial *120*321# Select more features then continue Enter the last 4 numbers on your FNB card Enter the PIN number for your FNB card Choose a Cellphone Banking PIN (keep this secret) You are now ready for Cellphone Banking: Dial *120*321# to use Cellphone Banking Dial *130*321# to buy airtime with no airtime