Get exclusive value from banking with us.

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1 Private Wealth Get exclusive value from banking with us. Pricing guide 1 July June 2016 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Contents Introduction Ways to bank ebucks Rewards and benefits FNB Private Wealth accounts FNB Private Wealth Credit Card FNB Forex FNB Private Wealth Business Account Home Loan, Structured Loan and Single Credit Facility Important information Contact us

3 Introduction This pricing guide has been designed to assist you in understanding your bank charges and to help you make banking choices that enable you to get the most out of banking with us. The fees outlined in this guide are VAT inclusive and are effective from 1 July 2015 to 30 June FNB Private Wealth is committed to providing you with exclusive private banking and advice-led wealth management of the highest standard. Back to top 01

4 Ways to bank FNB Private Wealth Cheque and Credit Cards Online Banking and the FNB Banking App Swipe your card instead of using cash. It is safer, cheaper, more convenient and qualifying clients earn ebucks. Make use of our innovative, secure and intuitive electronic channels to perform day-to-day transactions such as: Dedicated 24/7 Service Suite Our Service Suite is committed to assisting you with all of your day-to-day banking needs such as: Making once-off payments and transfers. Applying for credit or increasing your credit limit. Setting up scheduled payments and transfers. General banking queries. Banking transactions. Fraud queries. Card renewals/activations or cancellations. Official bank letters required by institutions (eg, Visa letters). Retrieving historical statements. Card and PIN maintenance. Stopping cheques and/or debit orders. Ordering Forex. Global Payments and Receipts. Making prepaid purchases. Back to top 02

5 ebucks Rewards and benefits 15% As a valued FNB Private Wealth client, you have access to rewards at the highest level on your FNB Private Wealth Cheque and Credit Cards. Earn up to 15% back in ebucks when you fill up at any fuel station, buy Gautrain tickets, or when using Uber domestically. Safe and convenient shopping complete with the best rewards 15% 3% 1.5% Earn up to 15% back in ebucks when you load prepaid airtime or buy prepaid electricity electronically through FNB. Earn up to 3% back in ebucks when you swipe your FNB Private Wealth Credit Card and up to 1.5% back when you swipe your FNB Private Wealth Cheque Card. 100% 6% 3% Earn up to 100% back in ebucks on your active FNB tablet, smartphone or laptop contract monthly subscription fee. Earn up to 6% back in ebucks when you shop online or purchase internationally using your FNB Private Wealth Credit Card and up to 3% back when using your FNB Private Wealth Cheque Card. 50% Earn up to 50% back in ebucks on your transaction charges when you send or receive foreign currency online or via the FNB Banking App. 5% 2.5% Earn up to 5% back in ebucks when you buy groceries on your FNB Private Wealth Credit Card and up to 2.5% back on your FNB Private Wealth Cheque Card. 100% Earn up to 100% back in ebucks on your transaction charges when receiving foreign currency regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction. For more information on ebucks Rewards, visit 03

6 Convenience with Access to discounts on data ebucks discounts 100% 40% Up to 40% discount on domestic car hire bked through Avis and selected Kulula and Emirates flights. Get up to 100% off your monthly Uncapped ADSL data subscription through FNB Connect. Convenience with ebucks Lifestyle Access to airport and business lounges Unlimited access to SLOW Domestic Lounges and SLOW International Lounges. 1 All your travel arrangements (flights, car rental and accommodation). Gifting services like ordering flowers, wine, gift vouchers and hampers. Lifestyle experiences such as spa days, hot air balln rides and luxury picnicking. Dining reservations and sourcing sport and event tickets. Unlimited access to Bidvest Premier Lounges. 1 Access to SLOW in the City. 1 Access to Priority Pass International Lounges. 1 Peace of mind for you and your family with Up to eight complimentary Avis Point2Point one-way trips per annum. Up to 12 complimentary visits to Priority Pass International Lounges per annum. 1 15% discount on Speed Pass a VIP meet-and-assist airport service at over 285 international airports worldwide. AA Emergency Roadside Assistance on your linked FNB Private Wealth Petro Card. Comprehensive Global Travel Insurance when using your FNB Private Wealth Cheque or Credit Card to pay for return local and international travel tickets. Our designated driver service will get you home safe and sound with 10 Take Me Home trips per annum (available on your linked FNB Private Wealth Petro Card). Terms, conditions and rules apply. 1 Lounge access is reward-level dependent. Back to top 04

7 FNB Private Wealth accounts At FNB Private Wealth, we understand that your life consists of more than the assets you have accumulated. That s why we give more of our time to fully understand your needs and help grow your wealth with comprehensive advice for all of your local and global wealth management requirements. What an FNB Private Wealth Account offers you Cheque Account From our all-inclusive bundle of transactional products with no transaction limits, to our seamless transactional channels and the best in benefits and rewards, our focus remains on adding exclusivity and incomparable value to you and your family s future. The FNB Private Wealth Cheque Account is an innovative private banking account that offers you convenience and simplicity, allowing you to manage all your financial needs in a way that best suits you. Structured Facility A dedicated Private Banker and access to a team of fiduciary, lending, wealth management and foreign exchange specialists. Access to our 24/7 Service Suite to assist with your day-to-day banking needs. access to our secure and convenient electronic channels such as Online Banking and the FNB Banking App to perform your day-to-day transactions. Hassle-free debit order and salary switching. card replacement and delivery as well as no annual card fees. monthly statements. subscription to incontact, which alerts you of activity on your account. payment notifications that alert recipients of payments you have made to their accounts. An overdraft facility with instant access to your funds, as well as a linked, personalised interest rate. Smartphones and tablets at discounted prices over a 24-month period with 0% interest. Flexible pricing options to suit your personal transactional behaviour. This is truly the one account that uses the concept of debt consolidation and offers both debit and credit balance functionality, together with transactional banking. It is no longer necessary to maintain both a current account and a loan account, as the Structured Facility combines these two accounts into one. The defining feature is the ability to hold a single balance at any one time. It is structured around the principle that interest is calculated daily on your outstanding balance, so whenever the outstanding balance on your loan is reduced, you save on interest. There are four different pricing options to chse from. Note that these pricing options are not applicable to business accounts. 1. Unlimited pricing option For a fixed account fee per month, you get the following on your FNB Private Wealth Cheque Account and Structured Facility: Unlimited electronic transactions. Unlimited FNB ATM and other banks ATM withdrawals (including local and international ATM withdrawals). cheque payments and stop payment loading. 05

8 value-added services such as LOTTO purchases, Pay & Clear Now, GEO Payments, prepaid purchases and sending money to ewallet. 2. Bundled pricing option You pay a single discounted monthly account fee for an all-inclusive bundle of transactional products, which gives you all the benefits of the Unlimited pricing option including the monthly fees for your: FNB Private Wealth Cheque Account and Structured Facility. FNB Private Wealth Credit Card. Overdraft ( when you do not exceed your overdraft limit). FNB Securities Online Trading Account. FNB Will held in safe custody. FNB Global Account. Note that the Bundled pricing option is not applicable to joint accounts. If you maintain a credit balance of at least R on the Bundled or Unlimited pricing options throughout the month, you earn interest and pay no monthly account fee. 3. High Touch Banking pricing option This pricing option allows you to pay a single fee across your portfolio of accounts, excluding your credit card and business accounts. For a negotiable monthly account fee, you will receive unlimited banking transactions across our electronic channels on your portfolio of cheque accounts which are on the High Touch Banking pricing option. Refer to the Unlimited pricing option in the table to follow for applicable fees excluding ATM deposits, branch, manual transactions and penalty fees (which will attract standard Note that all fees quoted in the table below are VAT inclusive. s that have not increased or that have reduced appear in turquoise. s for Unlimited and Bundled pricing options Pricing option Unlimited Bundled Monthly account fee R R Minimum balance for rebate R Other product fees included in your monthly cheque account fee Monthly credit service fee (overdraft) R57.00 R57.00 Rebate on monthly credit service fee (when you do not use more than your R22.00 R57.00 overdraft limit) 2 Card purchases 3 Prepaid purchases Payments and transfers (FNB Banking App, Online Banking, Cellphone Banking, Telephone Banking consultant assisted, IVR and Speech) Cheque payments Debit orders (internal and external) Cash@Till withdrawals FNB ATM withdrawals Other banks ATM withdrawals (local and international) 3 Cheque Account or Structured Facility Credit Card Overdraft fee ( when you do not exceed your overdraft limit) FNB Securities Online Trading Account FNB Will held in safe custody FNB Global Account FNB ATM cash deposits 4 1 ebucks Rewards subscription Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App 2 Refer to terms and conditions of credit agreement. 3 International currency commission and conversion fee of 2.75% of the transaction value applies. 4 Up to a total of R per month. Not applicable to the High Touch Banking pricing option. Pay-As-You-Use fees). 06

9 Pricing option Unlimited Bundled Monthly petrol card fee (linked to your FNB Private Wealth Cheque Account) Monthly device payment 5 R15.50 Device dependent Transactions not mentioned, or in excess of the aforementioned limits, will be charged at Pay-As-You-Use rates. 4. Pay-As-You-Use (PAYU) pricing option 5 Only applies if you have taken up an FNB smartphone/tablet/laptop offer. Other transactions The transactions tabulated below are included in your monthly account fee: On this pricing option, you are charged for each transaction at the applicable fee. Transaction description Monthly account fee R99.00 Monthly credit service fee (overdraft) R57.00 Transaction description Balance enquiries Statements Other fees Value-added services fees Detail FNB ATM, Cellphone Banking, Telephone Banking (IVR) and FNB Banking App Point of Sale (local and international) Other banks ATM FNB branch and Telephone Banking (consultant assisted) Official monthly statement Cellphone Banking mini-statement FNB ATM mini-statement Historical /downloaded statements (FNB branch, Telephone Banking and Online Banking) Unsuccessful transactions (FNB ATM, Point of Sale, scheduled and other banks ATM) Card replacement (Cheque/Debit/Petrol Cards) LOTTO/PowerBall purchases Cardless cash withdrawals Pay & Clear Now Send money to ewallet Other banks ATM withdrawals Additional online statements (daily, weekly, twice monthly) My Limit Alert subscription Scheduled payment alert subscription Balance alert subscription (daily, weekly, monthly) Payment notifications ( , SMS, fax) Card and device courier fee Online Banking password reset (Telephone Banking consultant assisted) Online Banking account verification (FNB accounts and other banks accounts) Viewing of payment history (older than 3 months) Rebate on monthly credit service fee (when you do not use more than your overdraft limit) 6 R22.00 Monthly petrol card fee (linked to your FNB Private Wealth Cheque Account) Monthly device payment 7 Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App R15.50 Device dependent 6 Refer to terms and conditions of credit agreement. 7 Only applies if you have taken up an FNB smartphone/tablet/laptop offer. Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Purchases Card purchases Card purchases 8 Petrol Card fuel purchases R5.00 Prepaid airtime purchases FNB Connect prepaid airtime purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR) Other prepaid airtime purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR) R1.10 Other banks ATM R9.00 Telephone Banking (consultant assisted) R International currency commission and conversion fee of 2.75% of the transaction value applies. 07

10 Linked account transfers Into linked savings account (Savings Pocket) Cash withdrawals International ATM cash withdrawals 9 R50.00 Cellphone Banking, FNB Banking App, Telephone Banking (IVR) R1.50 FNB ATM, Online Banking R3.50 Telephone Banking (consultant assisted) R7.00 FNB branch R50.00 Payments Cellphone Banking, FNB Banking App, Telephone Banking (IVR) FNB ATM, Online Banking, Telephone Banking (consultant assisted) R1.50 R7.00 FNB branch R50.00 Issue of bank cheques (per cheque) R90.00 Internal debit orders (payments to FNB) R3.70 External debit orders (payments to other service providers) Scheduled payments Scheduled payment establishment/ amendment fee (FNB branch, Online Banking) Stop payment instructions Online Banking, Cellphone Banking, FNB Banking App, FNB branch, Telephone Banking (consultant assisted and IVR) Payment notifications R R0.74 SMS R1.15 Fax R5.50 Cheque bks 40 form R50.00 Subscription fees (per month) My Limit Alert R3.00 Scheduled payment alert fee R3.00 Balance alerts (per month) Daily R15.00 Weekly R3.00 Monthly R1.00 Cash withdrawals FNB/other banks Slimline ATM R5.00 FNB ATM R R1.30 per R FNB branch/cheque R R1.65 per R International branch 9 R R1.65 per R Deposits Cash deposits FNB ATM FNB branch Cheque deposits FNB ATM/FNB branch R30.00 Special clearance fee R Effects not cleared upliftment fee R Balance enquiries FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR Point of Sale (FNB Private Wealth Cheque Cards only) FNB branch and Telephone Banking (consultant assisted) R0.70 per R (min R5.50) R1.65 per R (min R50.00) R1.50 R5.00 Other banks ATM R5.00 International Point of Sale balance enquiries R5.00 Statements ing of current monthly statement (plus optional workable data files) Monthly posted statement (per statement) R13.00 Mini-statements (Cellphone Banking) Mini-statements (FNB ATM) R3.00 Printed statements (Smart Kiosk, per page) R3.50 Printed statements (FNB branch, Telephone Banking, per page) Historical statements (Online Banking, older than 3 months) Provisional statement (FNB branch, Telephone Banking, per statement) R13.00 Additional statements (fee per month) Paper Online Daily R R48.00 Weekly R40.00 R22.00 Twice monthly R20.00 R International currency commission and conversion fee of 2.75% of the transaction value applies. Other banks ATM R FNB ATM fee 08

11 Penalty fees FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) Other FNB declined transaction fee (local and international Point of Sale, scheduled payment) Other banks ATM declined transaction fee (insufficient funds or daily limit exceeded) Payment honouring fee Value per payment R0.00 R R50.00 R R75.00 Credit-related fees (applicable to NCA clients) Monthly service fee (revolving loan) R57.00 Value-added services fees LOTTO/PowerBall purchases, prepaid electricity, prepaid Pay TV, itunes, traffic fines R1.75 MultiChoice payments R5.00 Pay & Clear Now R40.00 Cardless cash withdrawals R5.00 Send money to ewallet R20.00 R R9.50 Reversal of incorrect Send money to ewallet transaction R25.00 Send money to Zimbabwe/Mozambique R8.00 R8.00 Returned item (cheque/debit order) R60.00 for first 3, thereafter R R20.00 R R45.00 R R R70.00 R R R Structured Facility lending fees Existing facility Monthly lending fee (only applies to clients with facilities concluded prior to 1 June 2007 and with a facility size of less than R ) Monthly lending fee (only applies to juristic clients and facilities with credit agreements concluded prior to 1 June 2007) Monthly lending fee (only applies to facilities with credit agreements concluded post 1 June 2007) New facility Once-off initiation fee (only applicable to clients that fall within the ambit of the NCA) Structuring fee (only applicable to juristic clients) Building loan fees Inspection fee (construction period only) R5.70 R R57.00 R % of deal size and is variable based on deal structure Revaluation fee R Early termination fees First 6, thereafter R per inspection A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry Other fees Unpaid debit order fee (only applicable to juristic clients) R Bank cheque commission R90.00 Non-standard guarantee fees Property guarantees R Performance guarantees 1.7% p.a. of value of guarantee (min R ) Once-off performance guarantees (if client uses own funds to issue the guarantee) R Other fees FNB Private Wealth Visa Cheque Card/ Chip & PIN card replacement Card courier fee Cheque bk courier fee Voucher retention (Online Banking) Voucher retention (FNB branch, Telephone Banking consultant assisted) Online Banking payment history (older than 3 months) Online Banking account verification fee (FNB and other banks accounts) Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R50.00 R4.60 R Note that the monthly service fee applicable to your facility will be charged irrespective of the balance outstanding and will only cease when the bond is cancelled. Back to top 09

12 FNB Private Wealth Credit Card Monthly account fees Standalone monthly credit card fee R Credit facility service fee (included in Bundled pricing option) Additional credit card fee (linked to your FNB Private Wealth Credit Card) 10 R11.00 An FNB Private Wealth Credit Card is about more than money, it s about fulfilling your aspirations and goals. It s the ultimate transactional banking tl that offers you flexibility in terms of pricing, while offering you exclusive benefits that are suited to your lifestyle. What an FNB Private Wealth Credit Card offers you Up to 55 days interest. Up to five additional secondary credit cards. Up to five linked Petro Cards. ebucks Rewards subscription. card initiation if you spend R or more on your credit card within the first month. monthly statements. AA Emergency Roadside Assistance on your linked Petro Card. Take Me Home designated driver service on your linked Petro Card. Comprehensive Global Travel Insurance. credit card swipes. lost card protection and PIN replacement. subscription to our secure and innovative self-service electronic channels (Online Banking, Cellphone Banking and the FNB Banking App) that allow you to bank anywhere and everywhere. protection against fraud with Online Secure. Enhanced in-store security with Visa s Chip & PIN technology. Your FNB Private Wealth Credit Card fees are segmented in the table to follow. s that have not increased or that have reduced appear in turquoise. Petro Card fee (linked to your FNB Private Wealth Credit Card) 10 Once-off initiation fee (for new accounts only) R Limited to five cards, thereafter a card fee of R14.50 per month will apply per additional credit card and R25.00 per month per linked Petro Card. transactions The transactions tabulated below are on the Standalone and Bundled Credit Card options: s Credit Card Monthly Rewards Card purchases Credit card purchases 11 Credit card budget purchases 11 Linked account transfers and account payments IVR Smart Transfer to FNB Balance enquiries FNB ATM FNB branch International ATM Other banks ATM Statements Official monthly statement FNB ATM mini-statement Historical statements Other fees Changes to account limits Card replacement (including delivery) Card delivery to nearest FNB outlet Card delivery courier fee 11 International currency commission and conversion fee of 2.75% of the transaction value applies. 10

13 Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Other fees Fast-track card replacement fee (per card, 24-hour delivery on request) R Section 129 letter fee R59.79 Value-added services fees Send money to ewallet Transaction description Purchases Standalone Credit Card Bundled Credit Card R20.00 R R9.50 Reversal of incorrect Send money to ewallet transaction R20.00 Fuel transaction fee (Petro Card only) R5.00 Linked account transfers and account payments Linked account transfers R3.50 Third party payments (including IVR Smart Transfer payments) R7.00 Telephone Banking (consultant assisted) R50.00 Transfers and payments (FNB branch) R50.00 Cash withdrawals FNB ATM R R1.30 per R Cardless cash withdrawals R FNB ATM fee Pay2Cell R3.80 Prepaid transaction fee (FNB ATM, Cellphone Banking, Online Banking and Telephone Banking) R2.20 LOTTO/PowerBall purchase R2.20 FNB Forex Other banks ATM R FNB ATM fee FNB branch R R1.65 per R International ATM/branch 12 R R1.65 per R Cash on budget FNB Mini-ATM and other banks Mini-ATM Cheque deposits R % of withdrawal value R R1.30 per R Cheque deposit R27.50 Cash deposits FNB ATM with Automated Deposit Terminal (ADT) FNB branch and FNB ATM with envelope deposit Cheque clearance R0.70 per R (min R5.50) R1.65 per R (min R50.00) Cheque clearance fee R Bring the world closer with our foreign exchange solutions FNB Forex offers a range of foreign exchange solutions to suit your needs; whether you are travelling, sending or receiving money globally, saving in a foreign currency with a Global Account, managing imports and exports, or investing offshore. Forex is the simple and convenient way to transact around the world. Travelling abroad Voucher retrieval requests Local R85.00 International R Other fees Bank cheque administration fee R80.00 Declined transaction fee R International currency commission and conversion fee of 2.75% of the transaction value applies. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. Buy foreign notes online and have them delivered to your dr. Purchase a Multi-currency Cash Passport TM via your Private Banker or the Forex Advisory Team and have access to 4 currencies on 1 card when travelling. Pay in advance for travel arrangements such as car hire, cruises and theatre tickets via Online Banking or the FNB Banking App and earn ebucks Subject to standard ebucks earn rules. Back to top 11

14 Sending and receiving money from abroad Make global payments for a host of reasons; including gifts, tuition or investments. Save beneficiaries and upload documents online, making it easier for you to transact anywhere, anytime. Earn ebucks when you send and receive foreign currency via Online Banking or the FNB Banking App. 13 Make person-to-person payments within 10 minutes to individuals abroad who don t have bank accounts with MoneyGram TM from FNB. MoneyGram TM is available in more than 200 countries worldwide. For more information on our Forex solutions, contact the Forex Advisory Team on FOREX (36739) or visit Travel products bought from FNB Cash Passport Online Banking/ Call Centre FNB branch Initial load fee (per currency) R80.00 R Cash Passport commission 1.85% (min R65.00) 1.95% (min R70.00) Foreign notes Foreign notes commission 1.85% (min R70.00) 1.95% (min R75.00) LSL, NAD, SZL notes commission Delivery 3.10% (min R90.00) Diversify your investments open a Global Account Delivery fee Travel products sold to FNB Online Banking/ FNB branch Call Centre Open and manage your Global Account online in various currency options. No minimum balance required and you earn interest. No monthly fees. Make payments abroad or between your accounts via Online Banking. Earnings from abroad can be paid directly into your Global Account. Cash Passport If credited to an FNB transactional account If paid out in cash or credited to any other account Foreign notes 1.75% (min R65.00) 1.90% (min R70.00) Foreign notes commission 1.95% (min R75.00) LSL, NAD, SZL notes commission 3.10% (min R90.00) International payments Global Payments (SWIFT) Online Banking/ FNB Banking App FNB branch/ Call Centre Get rewarded Commission 0.52% (min R135.00, max R680.00) SWIFT fee R % (min R145.00, max R680.00) Earn up to 50% back in ebucks on the transaction charges when sending or receiving foreign currency online or via the FNB Banking App Earn up to 100% back in ebucks on the transaction charges Additional fee if payment is sent in South African rand Global Receipts (SWIFT) Commission Additional fee if payment is received in South African rand R % (min R140.00, max R680.00) R when receiving foreign currency regularly by authorising FNB Foreign cheques All channels Forex to convert these funds on your behalf. 13 Drafts Commission 1.25% (min R230.00, max R900.00) 13 Subject to standard ebucks earn rules. 14 Global Payments and Receipts are only available via the FNB Banking App on your smartphone. Terms and conditions apply. Draft fee R Bills negotiable Commission 1.25% (min R230.00, max R900.00) 12

15 Low-value Global Receipts (SWIFT) and bills negotiable Received in a foreign currency R0.00 R R31.00 R R R62.00 Commission R R R R Normal charges as per product pricing schedule Received in South African rand Commission ZAR fee R0.00 R R31.00 R R R62.00 R R R R R R R30.00 R R R R88.00 R Normal charges as per product pricing schedule Global Receipts (Pension) Commission R0.00 R R16.00 R R R32.00 R R R48.00 R R R51.00 R R R53.00 R R55.00 Global Account Interest rate View on Transfer to/from your rand current account R55.00 Transfer between Global Accounts R55.00 Withdrawal or deposit using another Forex product Charges levied as per Forex product used MoneyGram TM Send fee (USD) $0.01 $50.00 $7.00 $50.01 $ $10.00 $ $ $11.00 $ $ $13.00 $ $ $15.00 $ $ $17.00 $ $ $19.00 $ $ $24.00 $ $ $29.00 $ $ $34.00 $ $ $39.00 $ $ $44.00 $ $ $49.00 $ $ $55.00 $ $ $63.00 $ $ $70.00 $ $ $90.00 $ $ $ $ $ $ $ $ $ Other products and services Forward exchange contracts Establishment R Drawdown (per drawdown) R Cancellation R Extension R Exchange Control applications to the SARB per application min R Special request or follow-up discretionary admin fee min R Back to top 13

16 FNB Private Wealth Business Account The FNB Private Wealth Business Account is suited to sole proprietors, incorporated businesses, partnerships, companies, close corporations, trusts and co-operatives. It provides a flexible and simple way to conduct all business transactions and pay for day-to-day operations. Description Option 1 Option 2 Option 3 Electronic debit transactions 15 Cash deposited at FNB ATM Advance only Out-of-bundle rates should you exceed the specified number of debit transactions FNB ATM withdrawals and other electronic debit transactions (per transaction) 15 Cash deposited at FNB ATM Advance only 30 transactions which include a maximum of 5 FNB ATM withdrawals Unlimited cash deposits of up to R per month R18.00 R17.00 R16.00 R R0.60 per R or part thereof 50 transactions which include a maximum of 10 FNB ATM withdrawals Unlimited cash deposits of up to R per month R R0.55 per R or part thereof 75 transactions which include a maximum of 10 FNB ATM withdrawals Unlimited cash deposits of up to R per month R R0.50 per R or part thereof With your FNB Private Wealth Business Account, you can chse between the Pay-As-You-Use (PAYU) pricing option or one of our three Single pricing options. s that have not increased or that have reduced appear in turquoise. Single pricing options There are three Single pricing options to chse from. With these options, you are charged a service fee upfront and do not have to monitor your transaction fees each month. Description Option 1 Option 2 Option 3 Monthly account fee R R R Point of Sale card purchases Prepaid purchases (Online Banking, FNB Banking App, FNB ATM, Cellphone Banking) Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited 15 Debit transactions include all debit orders, payments and transfers performed via the FNB Banking App, FNB ATMs, Online Banking and Cellphone Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking Enterprise TM (Role Separation) and other banks ATMs. Transactions not mentioned, or in excess of the limits above, will be charged at FNB Private Wealth Business Account Pay-As-You-Use rates. Pay-As-You-Use pricing option On this pricing option, you are charged for each transaction at the applicable fee. Monthly account fees Account fee R99.00 Monthly Petro Card fee (linked to your FNB Private Wealth Business Account) Monthly credit service fee (only charged when you use R or more of your overdraft) R15.50 R

17 Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Purchases Prepaid purchases Prepaid purchases FNB Electronic Banking channels R1.10 Prepaid purchases at other banks ATM R9.00 Prepaid purchases Telephone Banking (consultant assisted) Card purchases FNB Private Wealth Business Cheque Card purchases (local and international) 16 R9.00 Petrol Card fuel purchases R5.00 Inter-account transfers Electronic transfers (FNB ATM, Online Banking No Role Separation, Telephone Banking IVR, scheduled) R4.00 Payment notifications /SMS/fax Cheque bks 40 form R50.00 Deposit bks 100 pages (non-micr) R pages (MICR encoded) R32.00 Subscription fees Online Banking, Telephone Banking, incontact-pro Scheduled payment alert fee (per month) R3.00 Balance alerts (per month) Daily R15.00 Weekly R3.00 Monthly R1.00 Cash withdrawals Point of Sale FNB Slimline ATM (withdrawal limits may apply) Other banks Mini-ATM R R0.60 per R or part thereof R R0.90 per R or part thereof Consultant-assisted transfers (Telephone Banking) max R8.95 Consultant-assisted transfers (FNB branch) R4.00 Account payments FNB ATM Other banks ATM FNB branch R R1.45 per R or part thereof R R1.45 per R or part thereof Cheque service fee (min R40.00) + cash handling fee Electronic third party payments (FNB ATM, Online Banking No Role Separation, Telephone Banking IVR and consultant assisted) Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) max R8.95 R4.00 Cash handling fee at FNB branch Value per withdrawal R0.00 R R2.54 per R or part thereof R R R1.95 per R or part thereof External debit orders R17.50 R R R1.62 per R or part thereof Cheque payments (per item) R85.00 Consultant-assisted third party payments (FNB branch) R50.00 Issue of bank cheques (per cheque) R90.00 Express clearing payments (Online Banking, FNB branch, participating banks only) R40.00 Payment honouring fee (per item) R Scheduled payments Scheduled payment establishment/ amendment fee (Online Banking, FNB branch) R and greater Deposits Cheque deposit at FNB branch (per deposit) R30.00 R1.50 per R or part thereof Special clearance fee R Effects not cleared upliftment fee R per R or part thereof (min R500.00, max R ) Cash deposits FNB ATM R R0.76 per R or part thereof Stop payment instructions Online Banking, Telephone Banking, FNB branch 16 International currency commission and conversion fee of 2.75% of the transaction value applies. 15

18 Cash deposit fee at FNB branch Value per deposit (min R30.00) R0.00 R R R2.54 per R or part thereof R R R R1.49 per R or part thereof R R R R1.40 per R or part thereof R and greater R R1.18 per R or part thereof Cash deposit fee at FNB Bulk Cash Centres Value per deposit (min R30.00) R0.00 R R R2.34 per R or part thereof R R R R1.67 per R or part thereof R R R R1.39 per R or part thereof R and greater R R1.04 per R or part thereof Balance enquiries Card and other related fees FNB Private Wealth Business Cheque Card/ Chip & PIN card replacement R Voucher retention R50.00 Credit-related fees (applicable to NCA clients) Monthly service fee (where you have used more than R of your facility) Credit-related fees (applicable to non-nca clients) Monthly overdraft fee (where you have used more than R of your facility) R % of facility (min R57.00, max R ) Home Loan, Structured Loan and Single Credit Facility FNB ATM Point of Sale (FNB Private Wealth Business Cheque Cards only) R1.50 FNB branch and Telephone Banking (consultant assisted) R5.00 Other banks ATM R5.00 International Point of Sale balance enquiries R5.00 Statements ing of current monthly statement (plus optional workable data files) Monthly posted statement R14.00 Mini-statements (FNB ATM) R3.00 ing of historical statements (older than 2 months, per statement) Provisional statement (FNB branch, Telephone Banking, per page) R6.00 R13.00 Additional statements (fee per month) Paper Online The FNB Private Wealth suite of structured lending products provides finance for your dream home, holiday home or investment property. Our offering extends to any residential property (freehold or sectional title), small holdings of up to 8.5ha in an urban or peri-urban area, as well as vacant stands in residential areas. For your ease of reference, monthly NCA fees for our product range have been segmented below. s that have not increased or that have reduced appear in turquoise. Daily R R48.00 Weekly R40.00 R22.00 Twice monthly R20.00 R12.00 Penalty fees FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) Other FNB declined transaction fee (local and international Point of Sale) Other banks ATM declined transaction fee (insufficient funds or daily limit exceeded) R8.00 R8.00 Inward unpaid fee R Unpaid cheques and/or debit orders R Existing facility Monthly lending fee (only applies to clients with facilities concluded prior to 1 June 2007 and with a facility size of less than R ) Monthly lending fee (only applies to juristic clients and facilities with credit agreements concluded prior to 1 June 2007) Monthly lending fee (only applies to facilities with credit agreements concluded post 1 June 2007) R5.70 R R57.00 Back to top 16

19 New facility Once-off initiation fee (only applicable to clients that fall within the ambit of the NCA) R Important information Structuring fee (only applicable to juristic clients) Building loan fees Inspection fee (construction period only) % of deal size and is variable based on deal structure Revaluation fee R Early termination fees First 6, thereafter R per inspection A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry An early termination fee is charged when a Home Loan is cancelled without giving 90 days notice. The fee is calculated on the outstanding balance at your current interest rate Other fees Unpaid debit order fee (only applicable to juristic clients) R Bank cheque commission R90.00 Non-standard guarantee fees Property guarantees R Performance guarantees 1.7% p.a. of value of guarantee (min R ) Once-off performance guarantees (if client uses own funds to issue the guarantee) R Note that the monthly service fee applicable to your facility will be charged irrespective of the balance outstanding and will only cease when the bond is cancelled. FirstRand Bank Ltd. reserves the right to change pricing and package pricing or introduce new fees from time to time, giving you at least 20 business days notice of these changes via direct client communication, the FNB website, ATM messages and/or on your bank statement. Errors and omissions are excluded. You must apply for each facility or product we describe individually. The grant of any facility or product is subject to you meeting, and continuing to meet, the credit and qualifying criteria of that product or facility. Each facility or product has standard terms and conditions that apply to that facility or product. We agree to these terms and conditions with the applicant. If there is conflict between such terms and conditions and those in this pricing guide, we will follow the standard terms and conditions that apply to such facility or product. If your credit facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act. The bank reserves the right to change at any time the features of any product or facility. Back to top 17

20 Standard terminology Glossary of terms To assist you in comparing FNB s charges with those of other banks, we have, as far as possible, used standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking Practice. In the case where we have used FNB-specific terminology, we have added the following table indicating the appropriate standardised terminology which may be used by other banks. Pre NCA Post NCA Payment honouring fee Refers to clients with credit agreements prior to 1 June 2007 Refers to clients with credit agreements post 1 June 2007 A service fee charged for each payment honoured where there is not enough money in your transactional account 24/7 contact your Private Banker visit for more information call the Private Wealth Service Suite on (local) or (international) BANKING I LENDING I WEALTH MANAGEMENT I INVESTMENTS I STOCKBROKING I FIDUCIARY SERVICES Back to top 18