Annual Pricing Review

Annual Pricing Review Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. RMB Private Bank, a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider. NCA Reg. no. NCRCP20. 1

Contents Introduction Ways to bank 01 02 ebucks Rewards and benefits 03 RMB Private Bank accounts 05 RMB Private Bank Credit Card 10 FNB Forex 12 RMB Private Bank Business Account 15 Home Loan, Structured Loan and Single Credit Facility 18 Important information 19 Contact us 19

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. All fees quoted are VAT inclusive and are effective from 1 July 2015 to 30 June 2016. Grow, manage and protect your wealth RMB Private Bank offers you market-leading banking solutions and relationship-focused wealth management to suit your personal financial needs. 01

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

ebucks Rewards and benefits 15% As a valued RMB Private Bank client, you have access to rewards at the highest level on your RMB Private Bank Earn up to 15% back in ebucks when you fill up at any fuel station, buy Gautrain tickets, or when using Uber domestically. Cheque and Credit Cards. Safe and convenient shopping complete with the best rewards 15% Earn up to 15% back in ebucks when you load prepaid airtime or buy prepaid electricity electronically through RMB Private Bank. 3% 1.5% Earn up to 3% back in ebucks when you swipe your RMB Private Bank Credit Card and up to 1.5% back when you swipe your RMB Private Bank Cheque Card. 100% Earn up to 100% back in ebucks on your active FNB tablet, smartphone or laptop contract monthly subscription fee. 6% 3% Earn up to 6% back in ebucks when you shop online or purchase internationally using your RMB Private Bank Credit Card and up to 3% back when using your RMB Private Bank 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 RMB Private Banking App. 5% 2.5% 100% Earn up to 5% back in ebucks when you buy groceries on your RMB Private Bank Credit Card and up to 2.5% back on your RMB Private Bank Cheque Card. 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 www.ebucks.com 03

Convenience with Access to discounts on data ebucks discounts 100% 40% Get up to 100% off your monthly Uncapped ADSL data subscription through FNB Connect. Get up to 40% off selected Kulula and Emirates flights and domestic car hire booked through Avis. ACcess to airport and business lounges ebucks Lifestyle 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 balloon rides and luxury picnicking. Dining reservations and sourcing sport and event tickets. Up to eight complimentary Avis Point2Point one-way trips per annum. Up to 12 complimentary visits to Priority Pass International Lounges per annum. 15% discount on Speed Pass a VIP meet-and-assist airport service at over 285 international airports worldwide. Unlimited access to SLOW Domestic Lounges and SLOW International Lounges. 1 Unlimited access to Bidvest Premier Lounges. 1 Access to SLOW in the City. 1 Access to Priority Pass International Lounges. Peace of mind for you And your family with AA Emergency Roadside Assistance on your linked RMB Private Bank Petro Card. Comprehensive Global Travel Insurance when using your RMB Private Bank 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 RMB Private Bank Petro Card). Terms, conditions and rules apply. 1 Lounge access is reward-level dependent. 04

RMB Private Bank accounts At RMB Private Bank, 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 RMB Private Bank Account offers you 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 secure and convenient electronic channels, including the RMB Private Banking App and RMB Private Bank Online Banking, 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 email 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. 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 RMB Private Bank 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. Single Facility 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 Single 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 choose from: Unlimited, Bundled, High Touch Banking and Pay-As-You-Use. All fees quoted in the tables to follow are VAT inclusive. Note that these pricing options are not applicable to business accounts. 05

1. Unlimited pricing option 3. High Touch Banking pricing option For a fixed account fee per month, you get the following on your RMB Private Bank Cheque Account and Single Facility: Unlimited electronic transactions. Unlimited FNB ATM and other banks ATM withdrawals (including local and international ATM withdrawals). cheque payments and stop payment loading. 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: 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 tabled below for applicable fees excluding ATM deposits, branch, manual transactions and penalty fees (which will attract standard Pay-As-You-Use fees). s that have not increased or that have reduced appear in bold. s for Unlimited and Bundled pricing options Pricing option Unlimited Bundled Monthly account fee R299.00 R399.00 Minimum balance for rebate R100 000.00 RMB Private Bank Cheque Account and Single Facility. RMB Private Bank 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. Other product fees included in your monthly cheque account fee Monthly credit service fee (overdraft) R57.00 R57.00 Cheque Account or Single 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 Note that the Bundled pricing option is not applicable to joint accounts. If you maintain a credit balance of at least R100 000.00 on the Bundled or Unlimited pricing options throughout the month, you earn interest and pay no monthly account fee. 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 2 Refer to terms and conditions of credit agreement. 3 International currency commission and conversion fee of 2.75% of the transaction value applies. 06

Pricing option Unlimited Bundled Other transactions Payments and transfers (RMB Private Banking App, Online Banking, Cellphone Banking, Telephone Banking consultant assisted, IVR and Speech) Cheque payments Debit orders (internal and external) The transactions tabulated below are included in your monthly account fee: Transaction description Detail FNB ATM, Cellphone Banking, Telephone Banking (IVR) and RMB Private Banking App Cash@Till withdrawals FNB ATM withdrawals Balance enquiries Point of Sale (local and international) Other banks ATM Other banks ATM withdrawals (local and international) 3 FNB branch and Telephone Banking (consultant assisted) Official monthly email statement FNB ATM cash deposits 4 1 ebucks Rewards subscription Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and RMB Private Banking App Monthly petrol card fee (linked to your RMB Private Bank Cheque Account) Monthly device payment 5 R15.50 Device dependent 3 International currency commission and conversion fee of 2.75% of the transaction value applies. 4 Up to a total of R20 000.00 per month. Not applicable to the High Touch Banking pricing option. 5 Only applies if you have taken up an FNB smartphone/tablet/laptop offer. Statements Other fees Value-added services fees Cellphone Banking mini-statement FNB ATM mini-statement Historical email/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 (local) 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 (email, SMS, fax) Card and device courier fee Online Banking password reset (Telephone Banking consultant assisted) Online Banking account verification (RMB accounts and other banks accounts) Viewing of payment history (older than 3 months) Transactions not mentioned, or in excess of the limits above, will be charged at Pay-As-You-Use rates. 07

4. Pay-As-You-Use (PAYU) pricing option 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 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 RMB Private Bank Cheque Account) Monthly device payment 7 Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and RMB Private Banking App R15.50 Device dependent Linked account transfers Into linked savings account (Savings Pocket) Cellphone Banking, RMB Private 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, RMB Private 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 RMB Private Bank) External debit orders (payments to other service providers) R3.70 R16.00 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: Scheduled payments Scheduled payment establishment/ amendment fee (FNB branch, Online Banking) Stop payment instructions Online Banking, Cellphone Banking, RMB Private Banking App, FNB branch, Telephone Banking (consultant assisted and IVR) Payment notifications 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, RMB Private Banking App, Telephone Banking IVR) Other prepaid airtime purchases (FNB ATM, Online Banking, Cellphone Banking, RMB Private Banking App, Telephone Banking IVR) R1.10 Other banks ATM R9.00 Email R0.74 SMS R1.15 Fax R5.50 Cheque books 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 Telephone Banking (consultant assisted) R9.00 8 International currency commission and conversion fee of 2.75% of the transaction value applies. 08

Cash withdrawals FNB/other banks Slimline ATM R5.00 FNB ATM R3.95 + R1.30 per R100.00 Other banks ATM International ATM cash withdrawals 9 R50.00 Deposits Cash deposits FNB ATM FNB branch Cheque deposits FNB ATM/FNB branch R30.00 Special clearance fee R100.00 Effects not cleared upliftment fee R100.00 Balance enquiries FNB ATM, Online Banking, Cellphone Banking, RMB Private Banking App, Telephone Banking IVR Point of Sale (RMB Private Bank Cheque Cards only) FNB branch and Telephone Banking (consultant assisted) R0.70 per R100.00 (min R5.50) R1.65 per R100.00 (min R50.00) R1.50 R5.00 Other banks ATM R5.00 International Point of Sale balance enquiries R5.00 Statements Emailing 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 email statement (FNB branch, Telephone Banking, per statement) R6.50 + FNB ATM fee FNB branch/cheque R50.00 + R1.65 per R100.00 International branch 9 R50.00 + R1.65 per R100.00 R13.00 Additional statements (fee per month) Paper Online Daily R100.00 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 RMB 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 R1 000.00 R50.00 R1 000.01 + R75.00 Credit-related fees (applicable to NCA clients) Monthly service fee (revolving loan) R57.00 Value-added services fees LOTTO/PowerBall purchases, prepaid R1.75 electricity, prepaid Pay TV, itunes, traffic fines MultiChoice payments R5.00 Pay & Clear Now R40.00 Cardless cash withdrawals R5.00 Send money to ewallet R20.00 R3 000.00 R9.50 Reversal of incorrect Send money to ewallet transaction R25.00 Send money to Zimbabwe/Mozambique R20.00 R1 000.00 R45.00 R1 000.01 R2 000.00 R70.00 R2 000.01 R3 000.00 R105.00 Other fees RMB Private Bank Cheque Card/Chip & PIN card replacement Card courier fee Cheque book 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 (RMB and other banks accounts) Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R8.00 R8.00 Returned item (cheque/debit order) R60.00 for first 3, thereafter R138.00 R50.00 R4.60 R130.00 9 International currency commission and conversion fee of 2.75% of the transaction value applies. 09

Single 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 R500 000.00) 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 R57.00 post 1 June 2007) New facility Once-off initiation fee (only applicable to R5 700.00 clients that fall within the ambit of the NCA) 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 R1 475.00 Early termination fees First 6, thereafter R345.00 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) R200.00 Bank cheque commission R90.00 Non-standard guarantee fees Property guarantees R1 500.00 Performance guarantees Once-off performance guarantees (if client uses own funds to issue the guarantee) R5.70 R205.00 1.7% p.a. of value of guarantee (min R1 500.00) R1 500.00 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. RMB Private Bank Credit Card An RMB Private Bank Credit Card is about more than money, it s about fulfilling your aspirations and goals. It s the ultimate transactional banking tool that offers you flexibility in terms of pricing, while offering you exclusive benefits that are suited to your lifestyle. What an RMB Private Bank 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 R500.00 or more on your credit card within the first month. monthly email 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 RMB Private 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. 10

Your RMB Private Bank Credit Card fees are tabulated below. s that have not increased or that have reduced appear in bold. Other fees Changes to account limits Monthly account fees Card replacement (including delivery) Card delivery to nearest RMB Private Bank Service Suite Standalone monthly credit card fee R171.00 Credit facility service fee (included in Bundled pricing option) Additional credit card fee (linked to your RMB Private Bank Credit Card) 10 Petro Card fee (linked to your RMB Private Bank Credit Card) 10 R11.00 Once-off initiation fee (for new accounts only) R150.00 Card delivery courier fee Excluded transactions The following transactions will be charged for in addition to your monthly account fees: 10 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. Transaction description Standalone Credit Card Bundled Credit Card transactions The transactions tabulated below are on the Standalone and Bundled Credit Card options: s Credit Card Monthly Rewards Card purchases Purchases 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 Credit card purchases 11 Credit card budget purchases 11 Linked account transfers and account payments FNB ATM Other banks ATM R3.95 + R1.30 per R100.00 R6.50 + FNB ATM fee IVR Smart Transfer to RMB Balance enquiries FNB ATM FNB branch International ATM Other banks ATM Statements Official monthly email statement FNB ATM mini-statement Historical email statements FNB branch R50.00 + R1.65 per R100.00 International ATM/branch 12 R30.00 + R1.65 per R100.00 Cash on budget FNB Mini-ATM and other banks Mini-ATM Cheque deposits R50.00 + 2.50% of withdrawal value R3.95 + R1.30 per R100.00 Cheque deposit R27.50 Cash deposits FNB ATM with Automated Deposit Terminal (ADT) FNB branch and FNB ATM with envelope deposit R0.70 per R100.00 (min R5.50) R1.65 per R100.00 (min R50.00) 11 International currency commission and conversion fee of 2.75% of the transaction value applies. 12 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. 11

Transaction description Cheque clearance Standalone Credit Card Bundled Credit Card Travelling abroad Buy foreign notes online and have them delivered to your door. Cheque clearance fee R265.00 Voucher retrieval requests Local R85.00 International R265.00 Other fees Bank cheque administration fee R80.00 Declined transaction fee R8.00 Fast-track card replacement fee (per card, 24-hour delivery on request) R400.00 Section 129 letter fee R59.79 Value-added services fees Send money to ewallet R20.00 R3 000.00 R9.50 Reversal of incorrect Send money to ewallet transaction R20.00 Cardless cash withdrawals R3.00 + 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 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. 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 RMB Private Banking App and earn ebucks. 13 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 RMB Private 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. Diversify your investments open a Global Account Open a Global Account via your Private Banker, then simply fund it via Online Banking. 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. 13 Subject to standard ebucks earn rules. 12

Get rewarded Earn up to 50% back in ebucks on the transaction charges when sending or receiving foreign currency online or via the RMB Private Banking App. 13+14 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. 13 13 Subject to standard ebucks earn rules. 14 Global Payments and Receipts are only available via the RMB Private Banking App on your smartphone. Terms and conditions apply. Travel products sold to RMB Cash Passport If credited to an RMB transactional account If paid out in cash or credited to any other account Foreign notes Online Banking/ Call Centre FNB branch 1.85% (min R65.00) 1.95% (min R70.00) Foreign notes commission 1.95% (min R75.00) LSL, NAD, SZL notes commission 3.10% (min R90.00) International payments Online Banking/ RMB Private Banking App FNB branch/ Call Centre Global Payments (SWIFT) For more information on our Forex solutions, contact the Forex Advisory Team on 0860 4 FOREX (36739) or visit www.rmbprivatebank.com Commission 0.52% (min R135.00, max R680.00) SWIFT fee R105.00 Additional fee if payment is sent in South African rand R130.00 0.54% (min R145.00, max R680.00) Travel products bought from RMB Cash Passport Online Banking/ Call Centre FNB branch Initial load fee (per currency) R80.00 R130.00 Cash Passport commission 1.75% (min R65.00) 1.90% (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) Global Receipts (SWIFT) Commission Additional fee if payment is received in South African rand Foreign cheques Drafts Commission 0.50% (min R140.00, max R680.00) R130.00 Draft fee R100.00 Bills negotiable Commission All channels 1.25% (min R230.00, max R900.00) 1.25% (min R230.00, max R900.00) Delivery fee 13

Low-value Global Receipts (SWIFT) and bills negotiable Received in a foreign currency Commission R0.00 R100.00 R31.00 R100.01 R500.00 R62.00 R500.01 R1 000.00 R118.00 R1 000.00 + Normal charges as per product pricing schedule Received in South African rand Commission ZAR fee R0.00 R100.00 R31.00 R100.01 R500.00 R62.00 R500.01 R1 000.00 R118.00 R1 000.01 R2 000.00 R140.00 R30.00 R2 000.01 R3 000.00 R140.00 R88.00 R3 000.00 + Global Receipts (Pension) R0.00 R1 000.00 R16.00 R1 000.01 R5 000.00 R32.00 R5 000.01 R10 000.00 R48.00 R10 000.01 R25 000.00 R51.00 R25 000.01 R40 000.00 R53.00 R40 000.01 + R55.00 Global Account Interest rate Normal charges as per product pricing schedule Commission Transfer to/from your rand current account R55.00 Transfer between Global Accounts R55.00 Withdrawal or deposit using another Forex product View on www.fnb.co.za Charges levied as per Forex product used MoneyGram TM Send fee (USD) $0.01 $50.00 $7.00 $50.01 $100.00 $10.00 $100.01 $150.00 $11.00 $150.01 $200.00 $13.00 $200.01 $250.00 $15.00 $250.01 $300.00 $17.00 $300.01 $400.00 $19.00 $400.01 $500.00 $24.00 $500.01 $600.00 $29.00 $600.01 $700.00 $34.00 $700.01 $800.00 $39.00 $800.01 $900.00 $44.00 $900.01 $1 000.00 $49.00 $1 000.01 $1 200.00 $55.00 $1 200.01 $1 500.00 $63.00 $1 500.01 $1 800.00 $70.00 $1 800.01 $2 500.00 $90.00 $2 500.01 $5 000.00 $140.00 $5 000.01 $7 500.00 $240.00 $7 500.01 $10 000.00 $290.00 Other products and services Forward exchange contracts Establishment R105.00 Drawdown (per drawdown) R105.00 Cancellation R105.00 Extension R105.00 Exchange Control applications to the SARB per application min R1 200.00 Special request or follow-up discretionary admin fee min R100.00 14

RMB Private Bank Business Account The RMB Private Bank 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. With your RMB Private Bank Business Account, you can choose 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 bold. 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. Description Option 1 Option 2 Option 3 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 R50 000.00 per month R18.00 R17.00 R16.00 R3.75 + R0.60 per R100.00 or part thereof 50 transactions which include a maximum of 10 FNB ATM withdrawals Unlimited cash deposits of up to R100 000.00 per month R3.75 + R0.55 per R100.00 or part thereof R3.75 + R0.50 per R100.00 or part thereof 15 Debit transactions include all payments and transfers performed via the RMB Private 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. Note that transactions not mentioned, or in excess of the limits above, will be charged at RMB Private Bank Business Account Pay-As-You-Use rates. Pay-As-You-Use pricing option 75 transactions which include a maximum of 10 FNB ATM withdrawals Unlimited cash deposits of up to R250 000.00 per month Monthly account fee R220.00 R320.00 R470.00 Point of Sale card purchases Prepaid purchases (Online Banking, RMB Private Banking App, FNB ATM, Cellphone Banking) Unlimited Unlimited Unlimited On this pricing option, you are charged for each transaction at the applicable fee. Unlimited Unlimited Unlimited Monthly account fees Account fee R99.00 Monthly Petro Card fee (linked to your RMB Private Bank Business Account) R15.50 Monthly credit service fee (only charged when you use R200.00 or more of your overdraft) R57.00 15

Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Stop payment instructions Online Banking, Telephone Banking, FNB branch Payment notifications Email/SMS/fax Transaction description Purchases Prepaid purchases Prepaid purchases RMB Electronic Banking channels R1.10 Prepaid purchases at other banks ATM R9.00 Prepaid purchases Telephone Banking (consultant assisted) Card purchases RMB Private Bank 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) Consultant-assisted transfers (Telephone Banking) R4.00 max R8.95 Consultant-assisted transfers (FNB branch) R4.00 Account payments 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 External debit orders R17.50 Cheque payments (per item) R85.00 Cheque books 40 form R50.00 Deposit books 100 pages (non-micr) R32.00 100 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 Cash@Till Point of Sale FNB Slimline ATM (withdrawal limits may apply) Other banks Mini-ATM FNB ATM Other banks ATM FNB branch Cash handling fee at FNB branch Value per withdrawal R1.75 + R0.60 per R100.00 or part thereof R2.40 + R0.90 per R100.00 or part thereof R3.95 + R1.45 per R100.00 or part thereof R11.50 + R1.45 per R100.00 or part thereof Cheque service fee (min R40.00) + cash handling fee R0.00 R4 999.99 R2.54 per R100.00 or part thereof 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 R5 000.00 R14 999.99 R15 000.00 R49 999.99 R50 000.00 and greater Deposits R1.95 per R100.00 or part thereof R1.62 per R100.00 or part thereof R1.50 per R100.00 or part thereof Payment honouring fee (per item) R145.00 Cheque deposit at FNB branch (per deposit) R30.00 Scheduled payments Scheduled payment establishment/ amendment fee (Online Banking, FNB branch) Special clearance fee R100.00 Effects not cleared upliftment fee R100.00 per R10 000.00 or part thereof (min R500.00, max R5 000.00) Cash deposits 16 International currency commission and conversion fee of 2.75% of the transaction value applies. FNB ATM R3.75 + R0.76 per R100.00 or part thereof 16

Cash deposit fee at FNB branch Value per deposit (min R30.00) Additional statements (fee per month) Paper Online Daily R100.00 R48.00 R0.00 R4 999.99 R8.40 + R2.54 per R100.00 or part thereof Weekly R40.00 R22.00 R5 000.00 R14 999.99 R15 000.00 R49 999.99 R8.40 + R1.49 per R100.00 or part thereof R8.40 + R1.40 per R100.00 or part thereof Twice monthly R20.00 R12.00 Penalty fees R50 000.00 and greater Cash deposit fee at FNB Bulk Cash Centres Value per deposit R8.40 + R1.18 per R100.00 or part thereof (min R30.00) R0.00 R4 999.99 R5.00 + R2.34 per R100.00 or part thereof R5 000.00 R14 999.99 R15 000.00 R49 999.99 R50 000.00 and greater Balance enquiries FNB ATM Point of Sale (RMB Private Bank Business Cheque Cards only) FNB branch and Telephone Banking (consultant assisted) R5.00 + R1.67 per R100.00 or part thereof R5.00 + R1.39 per R100.00 or part thereof R5.00 + R1.04 per R100.00 or part thereof R1.50 R5.00 Other banks ATM R5.00 International Point of Sale balance enquiries R5.00 Statements FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) Other RMB declined transaction fee (local and international Point of Sale) Other banks ATM declined transaction fee (insufficient funds or daily limit exceeded) Card and other related fees RMB Private Bank Business Cheque Card/ Chip & PIN card replacement R120.00 Voucher retention R50.00 Credit-related fees (applicable to NCA clients) Monthly service fee (where you have used R57.00 more than R200.00 of your facility) Credit-related fees (applicable to non-nca clients) Monthly overdraft fee (where you have used more than R200.00 of your facility) R8.00 R8.00 Inward unpaid fee R105.00 Unpaid cheques and/or debit orders R175.00 0.114% of facility (min R57.00, max R1 140.00) Emailing of current monthly statement (plus optional workable data files) Monthly posted statement R14.00 Mini-statements (FNB ATM) R3.00 Emailing of historical statements (older than 2 months, per statement) Provisional statement (FNB branch, Telephone Banking, per page) R6.00 R13.00 17

Home Loan, Structured Loan and Single credit Facility The RMB Private Bank 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 bold. 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 R500 000.00) 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 700.00 % of deal size and is variable based on deal structure Revaluation fee R1 475.00 Early termination fees R5.70 R205.00 R57.00 First 6, thereafter R345.00 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 R200.00 juristic clients) Bank cheque commission R90.00 Non-standard guarantee fees Property guarantees R1 500.00 Performance guarantees Once-off performance guarantees (if client uses own funds to issue the guarantee) 1.7% p.a. of value of guarantee (min R1 500.00) R1 500.00 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. 18

Important information 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 RMB 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. In the case where we have used RMB Private Bank-specific terminology, we have added the following table indicating the appropriate standardised terminology which may be used by other banks. Glossary of terms 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 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. Standard terminology To assist you in comparing RMB Private Bank 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. Contact us If you would like more information, need help in selecting the most suitable pricing option for your banking needs, or have any questions on how to lower your bank charges: Contact your Private Banker. Visit www.rmbprivatebank.com Call the RMB Private Bank Service Suite on 087 575 9411. 19