Personal Cheque Account Rewards and Benefits

Personal Cheque Account Rewards and Benefits With your FNB Cheque Account, we have a host of rewards and benefits designed especially for you. Please note that the rules have changed, effective 1st July 2013 and we now offer you even more value! The sections below detail the rewards and benefits depending on the type of account you have with FNB. Rewards: Gold, Islamic Gold & Encore Cheque Rewards: ebucks Discounts Uncapped ADSL Data through FNB Connect Gold, Islamic Gold & Encore Cheque Get up to 40% off flights, gadgets, shopping vouchers, movies and more, when purchased with your ebucks at the ebucks shop. You can spend your ebucks at any ebucks instore partners, Online or through the ebucks Contact Centre. Visit www.ebucks.com for more. Get up to 80% discount on monthly Uncapped ADSL Data. Get up to 100% discount on monthly Uncapped ADSL Data. ebucks Rewards on Fuel Earn ebucks Rewards by purchasing fuel using your FNB Visa ebucks Rewards on Airtime Earn ebucks Rewards by purchasing prepaid airtime using FNB s electronic channels. Get up to 15% back on your qualifying fuel purchases. Get up to 15% back on your qualifying prepaid airtime purchases. 3G Data exclusive to active FNB Tablet, Smartphone or Laptop Contract holders. Purchase Protection when you purchase goods with your FNB Extended Warranty when you purchase goods with your FNB Get up to 400MB free monthly 3G Data. New New Get up to 500MB free monthly 3G Data. cover in the event that an eligible item purchased on your FNB Cheque Card is lost through theft, fire and/or accidental damage. cover whereby we will double the original manufacturer s warranty for goods purchased on your FNB ebucks Rewards on Shopping Earn ebucks Rewards by shopping with your FNB Get up to 1.2% back on your qualifying FNB Cheque Card purchases. Get up to 2.5% back on your qualifying FNB Cheque Card purchases. Subscription s incontact Monthly emailed statements access to Online, Cellphone & Telephone Banking as well as the FNB Banking App for your daytoday banking. FNB s free SMS and email messaging service, keeping you in touch with transactions on your account. Save fees and the environment by opting to have your monthly statement emailed to you at no additional cost. Page 5 Page 6

Rewards and Benefits Continued Rewards: Gold, Islamic Gold & Encore Cheque ebucks Rewards you can earn on your qualifying purchases You can now earn ebucks Rewards on your fuel AND airtime AND shopping purchases! Savings Pocket Bank Your Change (BYC) Set up a monthly scheduled transfer to your linked Savings Pocket at no additional cost! The more you save, the better your interest rate. (Savings Pocket with no interest available to Islamic Gold & Islamic Platinum Customers. Customers may be eligible for monthly profit share.) Automatically save your left over cents when you purchase using your FNB Your purchase is rounded to the nearest rand and the change is transferred to your Savings Pocket. Additional Topup amounts of R2,00; R5,00; R10,00; R20,00 or R50,00 are available. Fuel Get up to 15% back in ebucks on your qualifying fuel purchases made with your FNB Airtime Get up to 15% back in ebucks on your qualifying prepaid airtime purchases made through FNB s electronic channels (Online Banking, Cellphone Banking and the FNB Banking App). Shopping Get up to 2.5% back in ebucks on all other qualifying FNB Cheque Card purchases. SLOW Airport Lounge Access Comprehensive Global Travel Insurance Premier Banker Cardholders enjoy exclusive access to SLOW Domestic Lounges and SLOW International. New Exclusive to Cardholders when you purchase your travel ticket using your FNB Platinum Exclusive access to a team of Premier Bankers for Platinum Customers. To earn ebucks Rewards on your qualifying fuel, airtime and shopping purchases, you simply need to: 1. Meet all the qualifying criteria detailed in the Meet the qualifying criteria list below. 2. Accumulate points in order to determine your reward level this is based on your banking behaviour and product holdings, detailed in the How to earn points list on page 10. 3. Earn rewards which are calculated by applying the respective reward rate to your qualifying monthly purchases. Page 7 Page 8

Meet the qualifying criteria by: How to earn points: Registering for ebucks. Having an active FNB Cheque Account in good standing*. Having total monthly deposits of at least: R2 000,00 Encore Cheque Account. R5 500,00 Gold, Islamic Gold & Young Professionals Cheque. R16 500,00. Allowing FNB to communicate to you about our products and rewards and ensuring that your incontact details are updated. Transacting via Online Banking, Cellphone Banking or Telephone Banking, or the FNB Banking App at least once a month, using your own banking profile. * Good standing means that none of your FNB and FirstRand Bank and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs. New New Swipe your FNB Cheque Card for purchases. (Please note that purchases on Debit and Petrol Cards linked to your FNB Cheque Account do not qualify to earn rewards). At FNB we reward you on your good banking behaviour each month the better your banking behaviour, the more points you accumulate. Get points when: The value of your monthly Cash@Till TM withdrawals exceeds the value of your monthly ATM withdrawals. You have not performed any transactions at branches in the month (use FNB s electronic channels instead!). You have used your FNB Cheque Card to purchase goods Online. Use an Overdraft Facility, Temporary Loan or Revolving Loan. The more products you hold, the more points you accumulate each month. Choose from a range of FNB products: An active FNB Tablet, Smartphone or Laptop Contract. Insurance Products linked to your FNB Cheque Account (Smart Device Insurance; Optional Debt Protection Insurance; Roadside Assistance). A Savings Pocket with Bank Your Change and a minimum balance of R2 000,00. Emailed statements only. An active FNB Credit Card. An active Fluid Account (or Islamic Youth Account) linked to your FNB Cheque Account. Have your FNB Cheque Account open for three years or more. Open a new FNB Cheque Account this will get you to Reward Level 1 so that you can start earning rewards immediately! Join Bonus Booster: If in the 3rd month of opening your new FNB Cheque Account, you have met the join bonus booster criteria*, you will receive join bonus booster points! This means you will reach the highest rewards earn level within just 3 months of joining FNB! * Terms, conditions and rules apply. Page 9 Page 10

Points are allocated for each of the activities mentioned in the list on the previous page. Your total points will then determine your reward level and thus the rate at which you will earn rewards. The rate at which you earn rewards, is detailed below. Reward Maximum rate for on: Platinum and Islamic Platinum Cheqeu Acc Reward Level Fuel Airtime Shopping Meet the qualifying criteria by: Having an active Cheque Account in good standing*. Having total monthly deposits of at least: R2 000,00 Encore Cheque Account. R5 500,00 Gold, Islamic Gold & Young Professionals Cheque. R16 500,00 Platinum Cheque. 5 4 15% 15% 7.5% 7.5% 2.5% Maximum rate for 1.2% Maximum rate for Gold, Islamic Gold & Encore Cheque Allowing FNB to communicate to you about our products and rewards and ensuring that your incontact details are updated. Transacting via Online, Cellphone or Telephone Banking, or the FNB Banking App at least once a month, using your own banking profile. 3 2 1 5% 5% 0.8% 2.5% 2.5% 0.6% 1% 1% 0.4% Rewards will be allocated by the 8 th of each month based on the previous calendar month. * Good standing means that none of your FNB and FirstRand Bank and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs. Points are allocated for each of the activities detailed on the How to earn points list on page 10. Your total points will then determine your reward level, and thus your monthly data reward. Your monthly data reward at each level, is detailed in the table on the next page. Data Rewards To earn Data Rewards you simply need to: 1. Meet all the qualifying criteria detailed in the Meet the qualifying criteria list on the next page. 2. Accumulate points in order to determine your reward level, as detailed on the How to earn points list on page 10. 3. Be rewarded! Your data will be allocated monthly in arrears. Page 11 Page 12

Reward Level Uncapped Maximum rate ADSL for Data Platinum 3G and Data* Islamic through Platinum FNB Cheqeu Connect Acc 5 Get free monthly Uncapped ADSL Data Maximum reward for 500MB Maximum reward for Platinum & Islamic Platinum Cheque SLOW Lounges Platinum Cardholders enjoy exclusive access to our SLOW Lounges. The SLOW Domestic Lounges can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. SLOW International can be found at the International Terminal of O.R. Tambo International Airport. Qualifying criteria and terms of usage are detailed in the lists below. Meet the qualifying criteria by: 4 3 Get a 80% discount on monthly Uncapped ADSL Data Maximum reward for Gold, Islamic Gold & Encore Cheque Get a 40% discount on monthly Uncapped ADSL Data 400MB Maximum reward for Gold, Islamic Gold & Encore Cheque 300MB Having a valid, personalised Card (failing which, access to the SLOW Lounge will NOT be granted). Having an active FNB Cheque Account* in good standing**. Having total monthly deposits of at least R16 500,00 into your FNB Cheque Account* in the calendar month preceding your visit (or R5 500,00 if you hold a Young Professionals Cheque Account). Having total monthly swipes to the value of at least R5 000,00 on your Card in the calendar month preceding your visit. 2 Get a 20% discount on monthly Uncapped ADSL Data 200MB * SLOW benefits available on Platinum, Young Professionals, Encore, and Islamic only. ** Good standing means that none of your FNB and FirstRand Bank and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs. 1 Get a 10% discount on monthly Uncapped ADSL Data 100MB * 3G data exclusive to active FNB Tablet, Smartphone or Laptop Contract holders. Page 13 Page 14

SLOW Domestic Lounge Benefit Do you meet the qualifying criteria? Peak time allocation 2 free SLOW Lounge visits per calendar month for the cardholder only. No guest visits. 2 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder only. No guest visits. Offpeak time allocation 4 free SLOW Lounge visits per calendar month for the cardholder (including guests). 4 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder (including guests). Personal Cheque Account Pricing 1. and Mobile Pricing Options You get unlimited qualifying electronic transactions for a fixed fee per month. Qualifying transactions include: Debit orders Card purchases Electronic prepaid purchases Electronic payments and transfers Cash@Till TM Electronic transactions above refer to transactions made using FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. Note: Peak times are on Weekdays (MonFri): 04h4507h00 and 15h0017h30 as well as on Sundays: 15h00 17h30. All entries are nontransferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (offpeak). SLOW International Benefit Do you meet the qualifying criteria? Charges s that have not changed or have decreased are shown in orange. Monthly s Description Account * Device Payment** Gold & Islamic Gold Cheque Account R100,00 R135,00 Device dependant Platinum & Islamic Platinum Cheque Account Device dependant R250,00 pp (50% discount) R75,00 per child between the ages of 218years Subscriptions to incontact, Online, Cellphone, Telephone Banking and the FNB Banking App R500,00 pp Petrol Card R13,50 R13,50 Terms, conditions and rules apply. For further details on all your Rewards and Benefits, visit www.fnb.co.za, fnb.mobi or call 087 575 9404. * An additional monthly Exchange Control Administration of R13,00 will be levied on NonResident Cheque. ** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable. Page 15 Page 16

Transaction s Description Card Purchases** FNB Prepaid Purchases*** Card Electronic Channels* Telephone (Consultant) R8,50 Branch/ Cheque 2. PayAsYouUse and Saver Pricing Options You are charged for each transaction at the applicable fee. All Cellphone Banking and FNB Banking App transactions are free. qualifying transactions are included if you are able to keep a minimum credit balance of R9 000,00 in your account at ALL times on the Saver Pricing Option. FNB Cash Withdrawals (local)**** (Cash@Till TM ) Option: 6 per month. Mobile Option: 4 per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 R40,00 + 1.49% of withdrawal value s that have not changed or have decreased are shown in orange. Monthly s Description Gold & Islamic Gold Cheque Account Account Transfers R34,00 R40,00 Account * R30,00 R38,00 Payments R34,00 R40,00 Debit Orders * FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50. **** Other banks ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from first withdrawal. Minimum Credit Balance for rebate on fees (fee saver only) Subscriptions to incontact, Online, Cellphone, Telephone Banking and the FNB Banking App R9 000,00 R9 000,00 Other Transaction s Payable on this Pricing Option Cash Maximum Withdrawals rate for Platinum and Islamic Platinum Cheqeu Acc Petrol Card R13,50 R13,50 FNB Mini ATM Other Banks Mini ATM R 7,50 International ATM (Additonal 2.75% Commission and Conversion fee applies) R40,00 * An additional monthly Exchange Control Administration of R13,00 will be levied on NonResident Cheque. International Branch (Additonal 2.75% Commission and Conversion fee applies) R40,00 +1.50% of withdrawal value Page 17 Page 18

Transaction s Description Card Electronic Channels* Cellphone Banking Branch/ Cheque Other Transaction s Payable on this Pricing Option Purchases Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Petrol Card Purchases R4,50 Card Purchases** Telephone Banking Prepaid (consultant assisted) R8,50 # FNB Prepaid Purchases*** R1,00^ Payments and Transfers Telephone Banking (consultant assisted) R 27,50 # FNB Cash Withdrawals (local)**** Saver: If balance kept, 6 free per month thereafter fee applies (Cash@Till TM ) R6,30 per R500,00 or part thereof, max R25,20 R33,00 # + 1,49% of withdrawal value Cash Withdrawals FNB Mini ATM (per R500,00 or part thereof) Other banks Mini ATM (per R500,00 or part thereof) R3,00^ R4,50 Transfers R3,30^ R33,00 # International ATM (Additional 2.75% Commission and Conversion fee applies) R25,00 Payments Internal Debit Orders (Payments to FNB) External Debit Orders R7, 0 0^ R3,50^ R15,90^ R33,00 # International Branch (Additional 2.75% Commission and Conversion fee applies) R25,00 # + 1.50% of withdrawal value ^ on Saver is minimum credit balance is kept throughout the month. # Limited to a combination of 3 free on Saver if minimum balance is kept throughout the month. * FNB Online Banking, Telephone Banking (IVR) and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50. **** Other banks ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from first withdrawal. ^ on Saver if minimum credit balance is kept throughout the month. # Limited to a combination of 3 free on Saver if minimum balance is kept throughout the month. Other Transaction s Payable Irrespective of Pricing Option Selected Maximum Payments rate for Platinum and Islamic Platinum Cheqeu Acc Bank Cheque R74,00 Stop Payments Online Banking, Cellphone Banking and FNB Banking App R5,00 Telephone Banking (consultant assisted) R15,00 FNB Branch R35,00 Page 19 Page 20

Other Transaction s Payable Irrespective of Pricing Option Selected Scheduled Maximum rate Payment for Platinum Related and s Islamic Platinum Cheqeu Acc Statements Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Posted/Printed Statement R11,50 (per statement) Establishment and Amendment s (Online Banking) Current Month Emailed Statement First Official Monthly Statement Collected at an FNB Branch Establishment (FNB Branch) Amendment (FNB Branch) Deposits R12,50 R9,50 FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months Online Banking R2,80 R5,50 (per statement) Cheque Deposits Cash Deposits ENC Upliftment and Special Clearance FNB ATM FNB Branch FNB ATM FNB Branch Deposit of Postdated Cheque (per cheque) R16,00 0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00) R80,00 R80,00 Emailing of Historical Statements older than 3 months Branch and Telephone Banking Provisional Statement Branch and Telephone Banking Penalty s Unpaid Cheques/Debit Orders (per item) Honouring (Charged per item in excess of your account limit on accounts with credit agreements before 1 June 2007) R11,00 (per statement) R11,00 (per page) R60,00 for 1 st 3 thereafter R138,00 per subsequent item within 12 months R 100,00 for 1 st 3 thereafter R 135,00 per subsequent item within 12 months Balance Enquiries FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs Other Banks ATM R3,95 Incidental Credit (Charged per month in excess of your account limit, applies to accounts without credit facilities or with credit agreements after 1 June 2007) Reversal of Incorrect Send money to an FNB ewallet transaction R57,00 R20,00 PointofSale R1,35 Declined Transactions International PointofSale R2,50 FNB ATM (Insufficient Funds or Limit Exceeded) Branch and Telephone Banking (consultant assisted) R3,95 Other FNB (PointofSale, Scheduled Payment, EDO) and other banks ATM R7,00 Page 21 Page 22

Other Transaction s Payable Irrespective of Pricing Option Selected Card Maximum Replacement rate for Platinum s and Islamic Platinum Cheqeu Acc Send Money to an FNB ewallet Value: R20,00 R1 000,00 R8,50 Value: R1 000,01 R2 000,00 R12,50 FNB Petrol Card R105,00 Value: R2 000,01 R3 000,00 R16,50 Visa Cheque Card/Chip & PIN Card R105,00 Send Money to Zimbabwe Credit Related s Value: R100 R1 000 R45,00 Value: R1 001 R2 000 R70,00 Monthly Credit Service (Charged only if the Overdraft is utilized in excess of R200) R30,00 Value: R2 001 R3 000 Additional Statements (fee per month) R105,00 Monthly Credit (Revolving Loan) Incidental Credit (Revolving Loan) Copies of Vouchers (Deposit Slips and Cheques) Online Banking R40,00 R57,00 Online Paper Daily R44,00 R80,00 Weekly R20,00 R32,00 Twice Monthly R11,00 R16,00 Balance Alerts (fee per month) Monthly R0,90 Branch and Telephone Banking R20,00 (per side) Weekly Daily R2,95 R14,80 Cheque Book s Electronic Subscription Services (fee per month) Pocket 40 Form R38,50 My Limit Alert R2,95 Duet 25 Form R42,50 Scheduled Payment Alert R2,75 Convenience and Value Added Service s Roadside Assistance R5,00 LOTTO TM /Powerball Purchase R1,50 Pay & Clear Now R38,00 Payment Notifications Email SMS Fax R0,68 R1,05 R4,85 Cardless Cash Withdrawal (Cellphone Banking) R4,00 + (R6,30 per R500 or part thereof, max R25,20) Page 23 Page 24

imum rate for Platinum and Islamic Platinum Cheqeu Acc Other s Card Courier (free for Card holders) R120,00 Smartphone/Tablet/Laptop Courier R150,00 Cheque Book Courier R150,00 Online Banking Password Reset (consultant assisted) R52,50 Online Banking Account Verification R4,10 Online Banking Payment History (older than 3 months) R4,10 For any fee or FNB Personal Cheque Account queries please call 087 575 9404. Page 25