get the most value from your business banking.

Transcription

1 get the most value from your business banking. 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 01 Introduction 01 Introduction 02 Get more bank, do more business 03 Minimise your bank charges As part of our get more bank, do more business philosophy, FNB Business aspires to provide our clients with the most innovative banking solutions. 04 FNB Business Account 04 Rewards Transact 05 Islamic Account 06 Investment solutions Benefits Get more bank Credit 07 Online Banking 08 FNB Forex 09 FNB Business Credit Cards Cash FNB Business Invest 10 Important information Contact us 18 Merchant Services Do more business Insure Forex The fees outlined in this guide are VAT inclusive and are effective from 1 July 2015 to 30 June

3 02 Get more bank, do more business ebucks Rewards for Business Instant Payroll Instant Accounting ebucks Rewards for Business gives qualifying FNB Business clients the ability to earn ebucks with both an FNB Business Visa Cheque and Credit Card as a reward for banking with FNB. Visit for more information. This complete online payroll solution allows you to manage your monthly payroll through Online Banking and ensures that you are SARS compliant. The first five auto-generated payslips are each month and you pay R20.00 per payslip thereafter. Do your business financial reports for with our unique accounting solution. It is fully integrated with your Online Banking profile, allowing you to generate accurate financial statements and reports effortlessly. SLOW Lounge Online Banking for Business Business Banking App for Tablets Get access to SLOW Domestic Lounges, SLOW International and SLOW in the City with your Platinum or Black FNB Business Visa Cheque or Credit Card. Terms and conditions apply. Your company is different to any other and as a result, your day-to-day banking needs will be different too. From viewing your account and balances, to applying for credit and performing forex transactions online, you can bank 24/7 with Online Banking for Business. Manage your business on the move with our Business Banking App for Tablets. Access Online Banking Enterprise easily, securely and conveniently on your tablet to manage your business financial needs with dual authorisation of transactions and administration capabilities. ewallet Pro Commercial Property Finance Specialised Finance Pay anyone, anytime with ewallet Pro, even if they don t have a bank account. This is a safe and convenient way to reduce the risk of theft, as well as the cost of cash handling. Whether you are a property investor, a property developer or want to own the premises from which your business operates, Commercial Property Finance can provide structured funding solutions for all your property requirements. Our dedicated team of specialists are experts at tailoring a lending solution to suit your specific needs from overdraft facilities, Leveraged Finance and Debtor Finance, to Selective Invoice Discounting and Collateralised Trade Finance. 02

4 03 Minimise your bank charges Use ATM Advance for cash deposits Use an FNB Business Visa Cheque or Credit Card instead of cash Make smarter payments Save time and money by using our ATM Advance terminals to make cash deposits. It s more convenient than going to an FNB branch and funds clear immediately. An FNB Business Visa Cheque or Credit Card gives you the security of not having to carry cash with you, and offers you the ability to do your business transactions with ease. Avoid queues, cash and cheques by making Electronic Fund Transfers (EFT) via the secure and more cost-effective FNB Banking App or Online Banking. Get paid electronically Use Cash@Till for cash withdrawals Get statements Ask your customers to pay you via EFT to reduce high cash deposit fees on your account. Withdraw cash for from participating retailers using Cash@Till rather than using ATMs. Keep track of your business transactions electronically with statements, delivered to your inbox for. Plus, it s more secure and easier to file them. 03

5 04 FNB Business Account On all of these pricing options, you will be charged for items in excess of the limit at an additional per-item fee: With your Business Account, you can choose between the Pay-As-You-Use (PAYU) pricing option or one of our three Single pricing options. Note that all references to card transactions indicate FNB Business Visa Cheque, Debit or Electron Card transactions and not Business Credit Card pricing. Single pricing options There are three Single pricing options to choose from. With these options, you are charged a service fee upfront and do not have to monitor your transaction fees each month. Per-item billing will only commence once the stipulated limit has been reached. s that have not increased or that have reduced appear in turquoise. Description Option 1 Option 2 Option 3 Electronic debit transactions 1 R18.00 R17.00 R16.00 Cash deposited at FNB ATM Advance only R R0.60 per R or part thereof R R0.55 per R or part thereof R R0.50 per R or part thereof 1 Debit transactions include all debit orders, payments and transfers done via Online Banking, FNB ATM and Cellphone Banking, excluding all cheque and branch transactions, Pay & Clear Now, transactions using Online Banking Enterprise TM, and other banks ATMs. These and other fees are charged for at Pay-As-You-Use rates as quoted in this guide. Pay-As-You-Use pricing option On this pricing option, you pay a lower fee of R65.00 per month and each transaction will be charged separately as per the tables below. s that have not increased or that have reduced appear in turquoise. Transaction description Monthly fees Description Option 1 Option 2 Option 3 Monthly fee R R R Electronic debit transactions 1 30 transactions which include a maximum of 5 FNB ATM cash withdrawals 50 transactions which include a maximum of 10 FNB ATM cash withdrawals 75 transactions which include a maximum of 10 FNB ATM cash withdrawals FNB Business Account monthly fee R65.00 FNB Business Trust Accounts (excluding attorney s trusts, or trust accounts which are R required by statute and designated by the act that governs it) Monthly petrol card fee R15.50 Cash deposited at FNB ATM Advance only cash deposits up to R per month cash deposits up to R per month cash deposits up to R per month Purchases Prepaid purchases FNB Business Visa Cheque Card purchases Prepaid purchases FNB Electronic Banking channels Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Prepaid purchases FNB Electronic Banking channels R1.10 Prepaid purchases at other banks ATM R9.00 Prepaid purchases Telephone Banking (consultant assisted) Card purchases R Debit transactions include all debit orders, payments and transfers done via Online Banking, FNB ATM and Cellphone Banking, excluding all cheque and branch transactions, Pay & Clear Now, transactions using Online Banking Enterprise TM, and other banks ATMs. These and other fees are charged for at Pay-As-You-Use rates as quoted in this guide. FNB Business Visa Cheque Card purchases (local and international) 2 R3.50 FNB Business Petrol Card purchases R International currency commission and conversion fee of 2.75% of the transaction value applies. 04

6 Inter-account transfers Electronic transfers (FNB ATM, Online Banking Single Level Control, Telephone Banking IVR and Speech) Consultant-assisted transfers (FNB branch, Telephone Banking) Account payments Electronic third party payments (FNB ATM, Online Banking Single Level Control, Telephone Banking IVR and Speech) Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) max R8.95 R4.00 External debit orders R17.50 Cheque payments (per item) R85.00 Consultant-assisted third party payments (FNB branch, Telephone Banking) R50.00 Issue of bank cheques (per cheque) R90.00 Express clearing payments (Online Banking, FNB branch, participating banks only) R4.00 R50.00 Scheduled transfers (per payment) R4.00 R40.00 Payment honouring fee (per item) R Deposit books 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) R R0.60 per R or part thereof Other banks Mini-ATM R R0.90 per R or part thereof FNB ATM R R1.45 per R or part thereof Other banks ATM R R1.45 per R or part thereof International ATM cash withdrawals 3 R50.00 Scheduled payments International branch cash withdrawals 3 R R1.65 per R or part thereof Scheduled payment establishment/ amendment fee (Online Banking) Scheduled payment establishment/ amendment fee (FNB branch) Prepaid payments R12.00 ewallet Pro loading fee R9.00 Stop payment instructions Online Banking R5.00 Telephone Banking R16.50 FNB branch R50.00 Notifications R0.74 SMS R1.15 Fax R5.50 Cheque books 40 forms R50.00 FNB branch and FNB Bulk Cash Centres Cash handling fee at FNB branch Value per withdrawal Cheque service fee (min R40.00) + cash handling fee R0.00 R R2.66 per R or part thereof R R R R R and greater Deposits Cheque deposit at FNB branch (per deposit) R30.00 R1.96 per R or part thereof R1.62 per R or part thereof 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 ) Surplus/shortage in deposit (incident fee) R55.00 Referenced deposit transactional fee (if availed of) Over the counter (partial or full validation) R forms R Cheque book courier fee Voucher retention (per month) R50.00 Electronic reference validation (FNB clients only) Cash deposits FNB ATM Advance R1.86 R R0.76 per R or part thereof 3 International currency commission and conversion fee of 2.75% of the transaction value applies. 05

7 Cash deposit fee at FNB branch Minimum fee per deposit R30.00 Value per deposit R0.00 R R R2.55 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 Minimum fee per deposit R30.00 Value per deposit R0.00 R R R2.35 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 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 Card and other related fees FNB Business Visa Cheque Card/Chip & PIN card replacement Credit-related fees (applicable to NCA clients) R Monthly service fee (overdrafts) R57.00 Monthly service fee (loans) R57.00 R and greater Balance enquiries R R1.04 per R or part thereof ewallet Pro fees 4 FNB ATM Point of Sale (FNB Business Visa Cheque Cards only) FNB branch and Telephone Banking (consultant assisted) R1.50 R5.00 Other banks ATM R5.00 International Point of Sale balance enquiries R5.00 Statements Monthly statement (collected at FNB branch) 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 3 months, per statement) Provisional statement (FNB branch, Telephone Banking, per page) R6.00 R13.00 Additional statements (fee per month) Paper Online Daily R R48.00 Tier Volume 0 Sponsored transactions How to calculate your ewallet Pro fees 1 Sponsored transactions R9.00 R16.00 R R8.50 R15.00 R R7.50 R14.00 R R6.50 R13.00 R R5.50 R12.00 R18.00 Pricing is determined on a tiered basis. The rate per transaction is dependent on the number of transactions per month. For example, if you do 153 transactions on a 1 Sponsored contract in a month, your fees will be 153 x R These rates are applicable to Online Banking only. 2 Sponsored transactions Weekly R40.00 R22.00 Twice monthly R20.00 R12.00 PayPal TM commission 1.5% of rand value Refer to for additional PayPal TM fees. 06

8 05 Islamic Account This account offers similar features, pricing and benefits to the Business Account. The main differences are: You may be eligible for a monthly profit share on your Islamic Business Savings Pocket. No debit or credit interest. No overdraft or loan facilities. 06 Investment solutions Access your money after placing notice These accounts are suited to businesses that require access to their money after a notice period, while still having flexibility to add money at any time. 7 Day Notice Access your money within seven days. 32 Day Flexi Notice Access your money within 32 days. Access after a fixed period Whether you prefer short-term flexibility or long-term certainty, we offer a range of investment solutions to help you maximise the return on your money. Our investment products offer flexibility by enabling you to transfer money at any time via Online Banking, our Investment Desk or your nearest FNB branch. Note that if the product you currently hold is not represented in the descriptions below, pricing is still available from page 8. Access your money immediately Investments that are suited to businesses that require immediate access to their money, while still having the flexibility to add money at any time. Money on Call A savings account with transactional capabilities as well as an optional Visa Chip & PIN card, earning a higher interest rate. These accounts are suited to businesses who only require access to their money after a fixed period. Flexi Fixed Deposit An investment with a fixed term while giving you access, within 24 hours, to a portion of your money. Fixed Deposit An investment account fixed for a period, typically giving you a higher interest rate than investments available overnight or on notice. Effective Rate Fixed Deposit A fixed deposit, where interest on interest is built into the rate you earn. 07

9 Money on Call and Money Market Transactor pricing Cash handling fee at FNB branch Value per withdrawal Product Money on Call Monthly account fee R51.00 Monthly fee for optional Visa Chip & PIN card R51.00 Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking, InContact Pro Balance enquiries FNB ATM and Telephone Banking (IVR) FNB branch and Telephone Banking (consultant assisted) R5.00 Other banks ATM R5.00 Payments and transfers Linked account transfers Electronic transfers R4.00 Consultant-assisted transfers (FNB branch, Telephone Banking) R50.00 Account payments Electronic payments R21.00 R13.25 Consultant-assisted payments (FNB branch, Telephone Banking) R50.00 Cheque payments R85.00 Issue of bank cheques (per cheque) R90.00 Internal debit orders R4.00 External debit orders R21.00 Stop payment instructions Online Banking R5.00 Cheque books 40 forms R forms R Money Market Transactor R0.00 R R2.66 per R or part thereof R R R R R and greater Deposits Cheque deposits Cheques deposited at FNB branch or FNB ATM Advance Cash deposits FNB ATM Advance and FNB ATM with envelope deposit Cash deposit fee at FNB branch R1.96 per R or part thereof R1.62 per R or part thereof R1.50 per R or part thereof R30.00 R R0.76 per R or part thereof Minimum fee per deposit R30.00 Value per deposit R0.00 R R R2.55 per R or part thereof R R R R R and greater Statements Mini-statements (FNB ATM and Cellphone Banking) ing of historical statements (older than 3 months, per statement) Provisional statement (FNB branch, Telephone Banking, per page) Other fees Inward unpaid fee R R R1.49 per R or part thereof R R1.40 per R or part thereof R R1.18 per R or part thereof R3.00 R6.00 R13.00 Deposit of post-dated cheque (per cheque) R84.00 Effects not cleared upliftment fee R per R or part thereof (min R500.00, max R ) Special clearance fee R Cash withdrawals FNB Slimline ATM (withdrawal limits may apply) Other banks Mini-ATM FNB ATM Other banks ATM R R0.60 per R or part thereof R R0.90 per R or part thereof R R1.45 per R or part thereof R R1.45 per R or part thereof International ATM cash withdrawals 5 R50.00 International branch 5 FNB branch R R1.65 per R or part thereof Cheque service fee (min R40.00) + cash handling fee 5 International currency commission and conversion fee of 2.75% of the transaction value applies. 08

10 Call Account and Money Market Investor pricing Value per deposit R0.00 R R R2.55 per R or part thereof Product Monthly account fee Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking, InContact Pro Balance enquiries FNB ATM and Telephone Banking (IVR) FNB branch and Telephone Banking (consultant assisted) Call Account R5.00 Other banks ATM R5.00 Payments and transfers Linked account transfers Electronic transfers R4.00 Consultant-assisted transfers (FNB branch, Telephone Banking) R50.00 Account payments Electronic payments R13.25 R21.00 Money Market Investor R R R R R and greater Statements Mini-statements (FNB ATM and Cellphone Banking) ing of historical statements (older than 3 months, per statement) Transaction history/detailed balance enquiry (Online Banking) Provisional statement (FNB branch, Telephone Banking, per page) Other fees R R1.49 per R or part thereof R R1.40 per R or part thereof R R1.18 per R or part thereof R7.50 R13.00 Inward unpaid fee R Deposit of post-dated cheque (per cheque) R84.00 Effects not cleared upliftment fee R per R or part thereof (min R500.00, max R ) Special clearance fee R Consultant-assisted payments (FNB branch, Telephone Banking) Cash withdrawals R50.00 Notice and Fixed Deposit pricing FNB branch Cash handling fee at FNB branch Value per withdrawal Cheque service fee (min R40.00) + cash handling fee R0.00 R R2.66 per R or part thereof R R R R R and greater R1.96 per R or part thereof R1.62 per R or part thereof R1.50 per R or part thereof Product Monthly account fee Subscription fees Online Banking, Telephone Banking, Cellphone Banking, InContact Pro 7 Day Notice 32 Days Interest Plus 32 Day Flexi Notice Flexi Fixed Deposit Fixed Deposit Effective Rate Fixed Deposit Deposits Balance enquiries Cheque deposits Cheques deposited at FNB branch or FNB ATM Advance Cash deposits FNB ATM Advance and FNB ATM with envelope deposit R30.00 R R0.76 per R or part thereof FNB ATM and Telephone Banking (IVR) FNB branch and Telephone Banking (consultant assisted) R5.00 Other banks ATM R5.00 Cash deposit fee at FNB branch Minimum fee per deposit R

11 Linked account transfers 32 Day Flexi Notice deposit withdrawal costs Electronic transfers As per terms and conditions FNB branch, Telephone Banking (consultant assisted) As per terms and conditions Notice period (in days) Withdrawal cost = % of withdrawal amount Minimum withdrawal cost applicable Payments Electronic payments FNB branch, Telephone Banking (consultant assisted) Deposits Cheque deposits (FNB branch) Cheque deposits (FNB ATM) Cash deposits (FNB ATM Advance) As per terms and conditions As per terms and conditions R days days 0.5% R days 1.0% R days 2.0% R days 3.0% R50.00 Terms and conditions apply. Notice fees Cash deposit fee at FNB branch Minimum fee R30.00 per deposit Value per deposit R0.00 R R R2.55 per R or part thereof R R R R1.49 per R or part thereof R R R and greater Statements Transaction history/detailed balance enquiry (Online Banking) Provisional statement (FNB branch, Telephone Banking, per page) Other fees R R1.40 per R or part thereof R R1.18 per R or part thereof R13.00 Early redemption fee As per terms and conditions Consultant assisted Digital channels Placing notice R50.00 Maintaining notice R50.00 Deleting notice R50.00 Business SuperSave Account For a minimal monthly fee, you receive the following with our simple savings account: 10 transactions per month if you have a balance of at least R in your Business SuperSave Account throughout the month. These transactions do not include cash deposits, cheque deposits, cash handling fees, special instructions or penalty fees. balance enquiries via Online Banking, FNB ATMs, Cellphone Banking and the FNB Banking App. 10

12 Transaction description FNB Online Banking Enterprise TM Monthly account fee R5.50 Subscription fees Online Banking, Telephone Banking, Cellphone Banking, InContact Pro Balance enquiries Other banks ATM R5.00 Cash withdrawals FNB branch Cash handling fee at FNB branch Value per withdrawal Cheque service fee (min R40.00) + cash handling fee R0.00 R R2.66 per R or part thereof R R R R R and greater Deposits Cheque deposits Cheques deposited at FNB branch or FNB ATM Advance Cash deposits FNB ATM Advance and FNB ATM with envelope deposit Other fees R1.96 per R or part thereof R1.62 per R or part thereof R1.50 per R or part thereof R30.00 Inward unpaid fee R R R1.35 per R or part thereof Deposit of post-dated cheque (per cheque) R84.00 Effects not cleared upliftment fee R per R or part thereof (min R500.00, max R ) 07 Online Banking Online Banking Enterprise TM is an Internet-based, sophisticated electronic banking solution designed to meet the needs of small, medium and large businesses. You can use Online Banking Enterprise TM for services such as: Dual administration of your online profile will eliminate risks of single level controls. Segregation of duties for users, customised per requirement. Permit one to nine signatories to authorise financial transactions. Future-dating payments up to 12 months in advance. Real-time payments to FNB-banked recipients. Same-day value for payments to all banks if authorised within cut-off times. Collections offering same-day, two-day or NAEDO service types. Referencing for all transactions to recipients. Payment notifications sent by fax, SMS or . Verify account ownership of your recipients across participating banks. Flexible statements options including formats and delivery options. Sixty days transaction history on FNB accounts. Customise user access to specific accounts. A multi-layered approach to security including use of digital certificates. Event logs to monitor user activity online. Interface with SARS efiling. Customise billing to account level or to a nominated account. Discounts financial and non-financial transactions based on volumes processed, enabling cost efficiencies. FNB Online Banking Enterprise TM pricing With this option, you pay NO monthly access fee and the first two users are. R44.00 per user for the next 10 users (3 12 users). R31.00 per user for each subsequent user (more than 12 users). 11

13 Electronic third party payments transaction volume table Financial transaction volumes electronic third party payments (FNB ATM, scheduled Pricing per transaction (VAT incl.) payments, Telephone Banking IVR, Cellphone Banking) Up to and including 100 R up to 250 R up to R5.20 How to calculate your fees Your first 30 transactions will be. Thereafter, you will be charged R1.27 per transaction. For example, if you do transactions in a month your calculation will be the sum of R0.00 x 30 plus R1.27 x up to R4.15 Greater than R2.85 Other transaction fees payable Monthly fees How to calculate your fees You will be charged R8.95 per transaction for the first 100 transactions, R7.35 per transaction for the next 150 transactions, R5.20 per transaction for the subsequent 750 transactions and so forth. Collections modular fee R Delivery mechanism of selected data by FTP or Xcom R Cash management Cash management fee R Cash management reports per scheduled export R15.15 Notification of cash management structure change by SMS R1.15 For example, if you do 153 transactions in a month your calculation will be the sum of R8.95 x 100 plus R7.35 x 53. Clients making large numbers of transactions will enjoy significant discounts as their volumes increase. Notification of cash management structure change by Target balancing transfer Statements ing of current monthly statement (plus optional workable data files) R0.74 Service fee Transfers Electronic transfers R4.00 Pay & Clear Now (Online Banking and FNB branch, participating banks only) Payments under R5-million R60.00 Payments over R5-million R51.00 Payments under R5-million (Online Banking and FNB branch) (RTC participants) 6 R40.00 Enquiry non-financials transaction history enquiries, scheduled exports of transaction history, restoring of archived/deleted batches, stop cheque enquiries, transaction detail search, search recipients payment history Transaction volumes per month Up to and including 30 Pricing per transaction 7 (VAT incl.) Greater than 30 R When available. Only for RTC participants Absa, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank. 7 These fees are charged per transaction per band. ing of historical statements (older than 3 months, per statement) R6.00 Scheduled exports of interim and final statements per account per month 15 minutes R Hourly R Daily R48.00 Weekly R22.00 Twice weekly R12.00 Once-off set-up fee Set-up fee R Support and training fees User training On-site at client offices R Charge per km R3.60 Support fee (per client request only) Charge per hour R Charge per km R

14 Data storage Transaction history/statements, storage of transfers, unnominated, nominated payments and collection batches Data storage modular fee 60 days Data storage modular fee 90, 120, 150 and 180 days (180 days only applicable to R transaction history and statements) Other non-financial transactions Batch authorisation alert by SMS R1.15 Batch authorisation alert by R0.74 Payment notification by SMS R1.15 Scheduled payment alert by SMS R1.15 Payment notification by R0.74 Scheduled payment alert by R0.74 Payment notification by fax R5.50 Account verification batch R3.26 Account verification real-time R4.60 Account verification notification by SMS R1.15 Account verification notification by R0.74 Other fees Reversal of processed EFT (successful or unsuccessful) R Query of a disputed item R Query fee per transaction older than 3 months R99.00 Reactivation per administrator R Stop payment instructions R5.00 Deletion of stop payment for cheques R7.00 Cheque image per cheque Export of archived billing report (current month ) R7.00 Download of detailed user report R7.00 Import of user permissions R15.15 Accession document completion for additional account (linking existing profile per entry) R Recipient maintenance done by Online Banking client support (adding, maintaining, deleting) Per recipient R28.00 Client set-up Initial hierarchy set-up R Hierarchy maintenance done by Online Banking client support Special once-off client set-up request R Subsequent hierarchy maintenance per request R Profile maintenance done by Online Banking client support First 5 users, per user R15.15 Next 10 users (6 15), per user R21.00 Next 15 users (16 30), per user R33.00 Each subsequent user (>30), per user R53.00 Online Banking for Business Single Level Control One Time PIN to enhance security of Online Banking. Up to five users with customised permissions to specific accounts. Set-up and maintenance of payment recipients online. Recurring payments to automatically pay recipients. Future-dating payments up to 12 months in advance. Real-time payments to FNB-banked recipients. Pay & Clear Now payments (RTC) to recipients at participating banks. Same-day value for payments to all banks if authorised within cut-off times. Referencing for all transactions to recipients. Payment notifications sent by fax, SMS or . Sixty days transaction history on FNB accounts. Share investing online. Purchase of prepaid airtime and electricity. Interface with SARS efiling. My Balance Alert and My Limit Alert via SMS. Manage your overdraft facility. File upload R Personal security key token/s issued per token (excl. delivery) R Personal security key certificate per issue R73.50 Personal security key annual certificate renewal fee R73.50 Initiation of settlement limit changes per request R

15 Online Banking for Business Single Level Control pricing It s a simple, convenient and secure way of doing your banking, and your subscription to Online Banking is. This option caters for up to five users with customised permissions to specific accounts. Statements ing of current monthly statement (plus optional workable data files) Transaction history/detailed balance enquiry (Online Banking) ing of historical statements (older than 3 months, per statement) R6.00 Electronic third party payments transaction volume table Financial transaction volumes electronic third party payments (FNB ATM, scheduled Pricing per transaction (VAT incl.) payments, Telephone Banking IVR, Cellphone Banking) Up to and including 100 R up to 250 R up to R up to R4.15 Greater than R2.85 Stop payment instructions Online Banking R5.00 Beneficiary notification of payments R0.74 SMS R1.15 Fax R FNB Forex How to calculate your fees You will be charged R8.95 per transaction for the first 100 transactions, R7.35 per transaction for the next 150 transactions, R5.20 per transaction for the subsequent 750 transactions and so forth. For example, if you do 153 transactions in a month your calculation will be the sum of R8.95 x 100 plus R7.35 x 53. Clients making large numbers of transactions will enjoy significant discounts as their volumes increase. Transfers Electronic transfers R4.00 Pay & Clear Now (Online Banking and FNB branch, participating banks only) Payments under R5-million R60.00 Payments over R5-million R51.00 Payments under R5-million (Online Banking and FNB branch) (RTC participants) 8 R When available. Only for RTC participants Absa, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank. Connect you and your business to the world FNB Forex offers a range of foreign exchange solutions to suit your needs; whether you are travelling, sending or receiving money globally, managing imports and exports, or require specialised advice from an Exchange Control point of view. FNB Forex makes it easy to transact around the world. Travelling abroad for business or pleasure Buy foreign notes and a Multi-currency Cash Passport TM (4 currencies on 1 card) via the Forex Advisory Team or your nearest FNB branch. When ordering through the Forex Advisory Team you can opt to have it delivered to your offices. Pay in advance in foreign currency for travel arrangements such as hotel reservations, conferences or car hire via Online Banking and earn ebucks. 9 Your Omnibus Travel Facility allows individual representatives to travel using the company s facility, thus eliminating the need to use the individual s annual discretionary allowance when travelling for business purposes. 9 Subject to standard ebucks earn rules. 14

16 Sending and receiving money from abroad Whether you are purchasing products or paying for services from another country, we ll simplify the process to make sure you have more time to manage your business. Transact and manage your global payments via Online Banking. Save beneficiaries and upload documents online, making it easier for you to transact anywhere, anytime. If you receive funds on a regular basis, you can set up a standing instruction with us to convert these funds on your behalf, which means you ll receive your funds even quicker. Import and export solutions when transacting globally Get access to structured payment solutions that could protect you from foreign exchange rate fluctuations, sovereign performance, financial and delivery risks. Some of our structured payment solutions and trade products when importing and exporting include: documentary credit (letters of credit), foreign bills for collection, guarantees, as well as customer foreign currency accounts and forward exchange contracts to assist with exchange rate fluctuations. Get rewarded Earn up to 50% back in ebucks on the transaction charges when sending or receiving foreign currency online. 9 Earn up to 100% back in ebucks on the transaction charges when receiving foreign currency regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction. 9 9 Subject to standard ebucks earn rules. Terms and conditions apply. For more information on our Forex solutions, contact the Forex Advisory Team on FOREX (36739) or visit Travel products and foreign notes bought from FNB Cash Passport Online Banking/ Call Centre FNB branch Initial card fee (per currency) R R Cash Passport commission 2.05% (min R75.00) 2.10% (min R80.00) Foreign notes Foreign notes commission 2.10% (min R75.00) 2.15% (min R90.00) LSL, NAD, SZL notes commission Delivery 3.15% (min R100.00) Delivery fee R Failed delivery fee (if client was not available when appointment was made) R Travel products and foreign notes sold to FNB Cash Passport encashment If credited to an FNB transactional account If paid out in cash or credited to any other account Foreign notes encashment Online Banking/ Call Centre FNB branch 2.05% (min R75.00) 2.10% (min R80.00) Foreign notes commission 2.15% (min R90.00) LSL, NAD, SZL notes commission 3.15% (min R100.00) International payments Online Banking FNB branch/ Call Centre Global Payments (SWIFT) Commission 0.52% (min R155.00, max R735.00) SWIFT fee R Additional fee if payment is sent in South African rand Global Receipts (SWIFT) Commission Additional fee if payment is received in South African rand Foreign cheques Drafts R % (min R160.00, max R740.00) 0.51% (min R160.00, max R740.00) All channels R Commission 1.25% (min R220.00, max R ) Draft fee R Bills negotiable Commission 1.25% (min R220.00, max R ) 15

17 Other products and services Forward exchange contracts Establishment R Drawdown (per drawdown) R Cancellation R Extension R Foreign currency account Interest rate Withdrawal into rand current account R Enquire from FNB Forex Deposit from rand current account R Withdrawal or deposit using another Forex product Charges levied as per Forex product used Business Credit Card benefits AA Emergency Roadside Assistance (linked Petro Card only) Cellphone Banking subscription Initiation fee R Cellphone Banking (per transaction) Balance enquiry fee (single account) R0.75 Balance enquiry fee (all accounts) R1.50 Account fees ewallet Pro fee R9.50 Cardless cash fee Pay2Cell fee R3.80 R FNB ATM fee Exchange Control applications to the SARB per application min R FNB ATM balance enquiry Other banks ATM balance enquiry Special request or follow-up discretionary admin fee Trade services Guarantees, foreign bills, letters of credit, other trade services min R Contact your Commercial/ Business Banker Branch balance enquiry International balance enquiry Changes to account limits Online Banking (except payments) 09 FNB Business Credit Cards Issue of bank cheques (per cheque) R90.00 Voucher retrieval (per transaction) Local R85.00 International R A Business Credit Card gives you low-cost and flexible access to credit. It is a fast and simple way of making payments and helps you manage your expenses. Business Credit Card fees (per month) Black R Platinum R74.00 Gold/Lodge R38.00 Credit R32.50 Linked Petro Card R25.00 Business Credit Card benefits Credit card monthly rewards fee Comprehensive Global Travel Insurance Lost card protection Credit limit fees Clients with cheque or transactional accounts with FNB Clients without cheque or transactional accounts with FNB Payments and purchases Credit card purchases (local) 0.25% p.m. of total limit 0.40% p.m. of total limit Fuel transaction fee (linked Petro Card only) R5.00 International currency commission and conversion fee Electronic fund transfers Third party payments (including IVR Smart payments) 2.75% of transactional value (per transaction) R7.00 Inter-account transfers R3.50 Transfers and payments at FNB branch R50.00 Telephone Banking (consultant assisted) R50.00 InContact Pro (SMS or ) 16

18 Deposits FNB branch or FNB ATM with envelope deposit R1.65 per R or part thereof (min R50.00) 10 Important information Deposit at FNB ATM Advance Cheque deposit fee (per deposit) R30.00 Cash withdrawals FNB ATM International branch and ATM cash withdrawals 11 Statement fees Current monthly /posted statement Dual statement ( and posted) R23.50 Dual statement (personal delivery and ) R Personal statement delivery R Mini-statement (FNB ATM, printed) R3.30 FNB branch statement (printed) Historical statements Printed statements (per statement) Other fees R5.00 per request + R1.00 per page thereafter (max R50.00) R5.00 per request + R1.00 per page thereafter (max R50.00) Declined transaction fee R8.00 Prepaid transaction fee (FNB ATM, Cellphone Banking, Online Banking and Telephone Banking) FNB Mini-ATM R5.00 Other banks ATM Other banks Mini-ATM R5.00 FNB branch 10 R0.75 per R or part thereof (min R5.50) R R1.30 per R or part thereof R FNB ATM fee R R1.65 per R or part thereof R R1.65 per R or part thereof R2.20 Remember the following points when deciding which of our solutions best suit your needs: 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 criteria for that facility or product. 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 product or facility. FNB reserves the right to change at any time the features of any product or facility. LOTTO/PowerBall purchases R2.20 Cheque clearance fee R Card replacement fee (per card) R Fast-track card replacement fee (per card) R Personal card courier fee R Card delivery to nearest FNB branch 10 Includes all financial institution branches and the purchase of foreign exchange. 11 This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. Should you require further information on Business Credit Cards, contact our help desk on or /7 17

19 Standard terminology To assist you in comparing our charges with those of other banks, we have used standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking Practice (COBP). For instances where we have used FNB-specific terminology, we have added the table below indicating the appropriate standardised terminology that may be used by other banks. 11 Contact us For more information on our business banking solutions: Contact your Business Banker. Visit and click on the For My Business tab. Call Glossary of terms FNB term (as used in guide) FNB Business Visa Electron Debit Card purchase FNB Business Visa Cheque Card purchase Scheduled payment Scheduled transfer Payment honouring fee Standard terminology Card transaction Card transaction Stop order to third party Stop order to one of your own accounts at the same bank A service fee charged for each payment honoured where there is not enough money in your transactional account 18