understand your bank fees.

understand your bank fees. Pricing Guide 1 July 2014-30 June 2015 account accounts 2014-2015 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). MoneyGram TM

Congratulations on making the right choice and banking with FNB. This guide has everything you need to understand how your bank fees are charged. It will also help you use your account in the safest and cheapest way. Prices include VAT and are valid from 1 July 2014 to 30 June 2015. The fees outlined in this guide are FNB s most common fees for a detailed list of fees on your account, please visit www.fnb.co.za or chat to a consultant in an FNB Branch. FNB is making banking easier, quicker, safer and cheaper for you to do your day-to-day banking. We want you to pay less, and get more so we have made some of the most key functions of your account : To check your balance using echannels and Mobile Channels You pay no fees when you use your FNB Debit, or to pay Access to Cellphone, Online and the FNB App (there are no subscription fees) For FNB to change your debit orders and switch your salary to your new account InContact; we ll SMS you every time more than R100 goes into, or out of, your account Cash@Till TM ; no charge for withdrawing cash at till points at selected retailers when you use your Card to pay for your shopping echannels consist of the following: FNB ATM Online Telephone (self-help) Mobile Channels consist of the following: Cellphone FNB App (for phone & Tablet) s Youth Save s

There are lots of different ways of getting things done without going into an FNB Branch. Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch any time if you have questions, want to know more about your account or need more information. You can also call 087 575 9404 for help. 1. Go cashless Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy to steal or lose cash) Paying for shopping with your FNB Card is cheaper and safer than using cash Doing your banking at an FNB ATM, Online or using your cellphone is quicker and cheaper than going into a branch The cheapest way to get money into your account is by electronic transfer If you want to put cash into your account use an FNB ATM, and your cash will be available in your account straight away. You can deposit your money any time (day or night) s Youth 2. Don t pay if you don t have to Save Checking your balance with FNB is do this to make sure that you always have enough money in your account for your debit orders. If you do not have enough money for a debit order, you may be charged additional fees and this may affect your credit record. s

3. Use Cellphone Did you know you can do most of your banking using your cellphone? Cellphone is quick, safe, easy and works on any cellphone. With Cellphone you can: Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime) Check your account balance Get a mini statement Stop debit orders Pay your clothing accounts Pay your electricity account and other bills Play the LOTTO TM or Powerball To register for Cellphone Dial *120*321# Select more features, then continue Enter the PIN number for your FNB Card Choose a Cellphone PIN (keep this secret) You are now ready for self-service banking: - Dial *120*321# to use Cellphone - Dial *130*321# to buy airtime with no airtime s Youth 4. Use Online Online is like having your own branch wherever you have access to the internet. This enables you to manage your money 24/7 without having to wait in a queue. You will have access to a one-stop shop that is easy to use, intuitive and tailored to your personal needs. It is a simple and secure way of doing your banking when it suits you - and what s even better, is that your subscription to Online is. FNB customers can easily set up their Online profile by following the instructions on www.fnb.co.za. Save s TM

A straightforward Bank meant for day-to-day transacting, no extras and no hidden costs plain, simple banking. You spend less on bank fees every month, which means you have more money to pay for the things that are important to you. An is real value for money. Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Fee s Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Purchases (Local Only) Pay with your card Cash Withdrawals Cash@Till FNB ATM FNB Mini ATM/Slimline Other Banks Mini ATM Other Banks ATM Deposits Cash Deposit at FNB ATM Deposit at FNB Branch and ATM Post-dated R4.95 R4.55 per R1 000 (Max R9.10) R4.55 R4.55 R9.10 R4.55 R 20.00 (per deposit) R 80.00 (per cheque) Youth Save s

Transaction Description Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels FNB Branch Payments Stop Orders (Scheduled Payments) Using echannels & Mobile Channels FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Balance Enquiries Using echannels & Mobile Channels Point-of-Sale Branch and Telephone (Consultant Assisted) Other Banks ATM Fee R1.10 R3.20 R43.00 R3.20 R43.00 R1.50 R3.20 R5.00 R5.00 R15.00 R43.00 R11.50 R3.00 R3.30 s Youth Save s TM

Transaction Description Statements FNB ATM Transaction List Cellphone Mini Statement Historical Statements Branch Statements Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM Returned Item (Debit Order and Scheduled Payments) Card Replacement Fees Replacement of Non-personalised Card Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Electronic Subscriptions Services (Fee per Month) My Limit Alert Scheduled Payment Alert Balance Alert (Fee per Month) Monthly Weekly Daily Payment Notifications Email SMS Fax Fee R3.20 R3.20 R 3.50 (per statement) R 3.50 (per page) R7.50 R 5.00 (per item) R38.00 R1.50 R40.00 R8.50 R6.00 R20.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 s Youth Save s

Transaction Description Other Fees Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Fee R55.00 R4.35 R130.00 s Youth Save s

and Islamic Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and Transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your account often during the month. Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and manual transactions. You are charged for each transaction at the applicable fee. For this low monthly fee you will also get: Card purchases cash withdrawals using Cash@Till TM mini statements and balance enquiries using Mobile Channels Please note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option. Exclusive for Holders: As a customer, you can get airtime* every month if you bank smart! Qualifying to get airtime* is easy, all you need to do every month is: Have an active that is in good standing Deposit at least R1 000 into your and spend R300 or more using your Card Every month you can: A is perfect if you re looking for a low monthly fee, and a little more flexibility to fit into your lifestyle. Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and Earn R5.00 airtime for every R100 airtime you buy using echannels and Mobile Channels; and Earn R5.00 airtime for doing your banking using echannels and Mobile Channels (instead of visiting a branch and doing a transaction at the counter); and Earn R5.00 airtime for drawing more cash using Cash@Till TM than using an ATM Islamic We are pleased to offer you the option of choosing a Shari ah compliant. With Islamic you may be eligible to earn a monthly profit share on your linked Pocket. For more information please contact the Islamic contact centre on 0861 786 788. * Terms, conditions and rules apply. s Youth Save s

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Cash Withdrawals Cash@Till FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch Unlimited 2.75% of transaction value Pay-As-You-Use R49.00 R12.00 R4.00 per R500.00 Four every Month, thereafter R6.70 per R500.00 R4.00 per R500.00 R6.70 per R500.00 R6.50 + (R6.70 per R500.00) R43.00 R28.00 R43.00 + 1.61% of withdrawal value s Youth International Branch (Additional 2.75% Commission and Conversion fee applies) Deposits R43.00 + 1.61% of withdrawal value R28.00 + 1.61% of withdrawal value Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R 20.00 (per deposit) R85.00 R 80.00 (per cheque) R1.10 R8.50 R8.50 Save s

Transaction Description Unlimited Pay-As-You-Use Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) R35.00 R43.00 R35.00 R1.00 R3.50 R1.00 R7.00 FNB Branch Bank Debit Orders Internal External R43.00 R80.00 R3.70 R7.50 s Youth Cancel Debit Order (Stop Payment) Online R5.00 Mobile Channels Telephone (Consultant Assisted) R5.00 R15.00 Branch R43.00 Scheduled Payment Related (Establishment and Amendment) Online Branch R11.50 Balance Enquiries Using echannels & Mobile Channels Save Point-of-Sale R1.40 International Point-of-Sale Other Banks ATM R2.50 R4.20 Branch and Telephone (Consultant Assisted) R4.20 Statements Cellphone Mini Statement s FNB ATM Transaction List R3.00

Transaction Description Unlimited Pay-As-You-Use Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM Returned Item (Debit Order and Scheduled Payments) Chip & PIN Card (non-personalised) ised Card Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money to an Reversal of Send Money to My Limit Alert Scheduled Payment Alert Monthly Weekly Daily Email SMS Fax Statements Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) Card Replacement Fees Convenience and Value Added Services Send Money Electronic Subscriptions Services (Fee per Month) Balance Alert (Fee per Month) Payment Notifications R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R7.50 R 5.00 (per item) R80.00 R115.00 R1.50 R40.00 R4.25 + (R6.70 per R500.00) R8.50 R20.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 s Youth Save s

Transaction Description Unlimited Pay-As-You-Use Other Fees Card Courier Fee Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your Limit has been exceeded) R95.00 R55.00 R4.35 1.61% of Cash Value R57.00 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R130.00 Cash Centre Deposit: Error in Cast R55.00 s Youth Save s

and Islamic A from FNB offers you so much more than just a Bank - it offers you functionality and flexibility, allowing you to manage your money in the best way possible. All Customers have access to the following: Bank monthly subscription to FNB echannels and Mobile Channels InContact; we ll SMS you every time R100 or more goes into, or out of your account emailed monthly statements Cash@Till TM ; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay for your shopping You don t pay transactional fees when you swipe your Card, no matter how big, or small your purchase is Save A ( Pocket) linked to your : keep your savings separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive interest rate on your credit balance Bank your Change: automatically rounds up the value of the purchase made with your card and transfers the difference directly into your ( Pocket) so you save while you spend! Borrow Overdraft: offers you instant access to short-term credit so you ll have money to cover unexpected expenses, and you only pay when you use it Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your will be used to pay off the loan amount Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those funds without having to re-apply for credit Lifestyle Get access to a range of lifestyle benefits and rewards created just for you. For your convenience, we can deliver your FNB Card to your home or office You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest s Youth Save s

ebucks Rewards* NEW Subscription to ebucks is As a FNB customer you can earn ebucks for doing everyday things like swiping your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid airtime and prepaid electricity electronically through FNB You can spend the ebucks you earn on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers, outdoor equipment, fashion - you name it You could also get up to 40% off the purchase of lifestyle products in the ebucks Shop or when you book your travel arrangements through ebucks Travel. This means that the more ebucks you earn, the more you can save when you spend your ebucks AND get a discount on your purchase You can also get monthly 3G Data if you have an active FNB Device contract or get a discount on your FNB Connect Uncapped ADSL Data subscription For detailed information on how to qualify, earn and spend your ebucks Rewards please visit www.ebucks.com Exclusive for Platinum Holders Premier services to take care of your banking needs Access to SLOW* Airport Lounges for domestic and international travel Get Comprehensive Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Card Platinum Card delivered by courier at no extra charge Three pricing options are available to ensure you always get exactly what you need, without paying too much: Bundled Pricing Option: From October 2014, this new pricing option is available. This option is for you if you want to pay a fixed discounted monthly account fee, which includes your as well as monthly fees. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit Orders Card Purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month Please note that this option is only available on Platinum s s Youth Save Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month. s

Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For a low monthly fee you also get: card purchases cash withdrawals using Cash@Till TM transactions using Mobile Channels which include: Transfers and payments, mini statements and balance enquiries Pay-As-You-Use pricing option is not applicable to One. Islamic We are pleased to offer you the option of choosing a Shari ah compliant. With Islamic you may be eligible to earn a monthly profit share on your linked Pocket. For more information please contact the Islamic contact centre on 0861 786 788. * Terms, conditions and rules apply. s Youth Save s

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Monthly Fees* Bundled Unlimited Pay-As-You-Use Gold & Islamic Gold Platinum & Islamic Platinum One Monthly Fee Other Monthly Fees N/A R199.00 R174.00 R100.00 R145.00 R120.00 R31.50 R40.00 N/A One Service Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Device Payment** Petrol Card Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Petrol Card R190.00 N/A Device dependant R14.50 2.75% of transaction value R4.75 s Youth Cash Withdrawals Cash@Till FNB Mini ATM/Slimline R4.00 per R500.00 Other Banks Mini ATM R4.00 per R500.00 FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch/ International Branch (Additional 2.75% Commission and Conversion fee applies) Four every Month, thereafter R6.70 per R500.00 R6.50 + (R6.70 per R500.00) R6.70 per R500.00 R43.00 R28.00 R43.00 + 1.61% of withdrawal value R43.00 + 1.61% of withdrawal value R28.00 + 1.61% of withdrawal value Save s * An additional monthly Exchange Control Administration Fee of R13.00 will be levied on Non-Resident accounts. ** Only applicable if you have taken up the FNB phone/tablet/laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable.

Transaction Description Linked Transfers Into Linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Bundled/ Unlimited R3.50 R35.00 R43.00 R7.00 R35.00 R43.00 R80.00 R5.00 R5.00 R15.00 R43.00 R11.50 Pay-As-You-Use R3.70 R16.00 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R 20.00 (per deposit) R85.00 R 80.00 (per cheque) s Youth Save s

Transaction Description Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements* Current Month Emailed Statement First Official Monthly Statement Collected at an FNB Branch Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item ( and Debit order) Card Replacement Fees Visa Card/Chip & PIN Card FNB Petrol Card * Free for s utilising an Overdraft. Bundled/ Unlimited R1.10 R8.50 R8.50 R1.40 R2.50 R4.20 R4.20 R3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R7.50 R60.00 for first three, R138.00 thereafter (per item within a 12 month period) R115.00 R115.00 Pay-As-You-Use s Youth Save s

Transaction Description Credit Fees Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft) Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit) Monthly Credit Service Fee (Revolving Loan) Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit) Loan Related Fees (One Specific) Initiation Fee (once-off) Valuation/Revaluation Fee Early Settlement Fee Book Fees Pocket 40 Form Copies of Vouchers (Deposit Slips and s) Online Branch and Telephone (Consultant Assisted) Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Send Money to Zimbabwe/Mozambique Value: R20.00 - R1 000.00 Value: R1 000.01 - R2 000.00 Value: R2 000.01 - R3 000.00 Bundled/ Unlimited R57.00 R25.00 R57.00 R17.00 R5 700.00 R1 400.00 Levied when home loan is cancelled without giving 90 days notice. Fee is based on outstanding balance of your loan, your interest rate and remaining loan term. R40.00 R 20.00 (per side) R1.50 R40.00 R4.25 + (R6.70 per R500.00) R8.50 R20.00 R45.00 R70.00 R105.00 Pay-As-You-Use s Youth Save s

Transaction Description Additional Statements (Fee per Month) My Limit Alert Scheduled Payment Alert Monthly Weekly Daily Email SMS Fax Online Paper Daily Weekly Twice Monthly Daily Weekly Twice Monthly Electronic Subscriptions Services (Fee per Month) Balance Alert (Fee per Month) Payment Notifications Other Fees Card Courier Fee Device Courier Fee Book Courier Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your Limit has been exceeded) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Optional Roadside Assistance on your qualifying Card Cash Centre Deposit: Error in Cast Bundled/ Unlimited R46.00 R21.00 R11.50 R85.00 R34.00 R17.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 R95.00 Device dependant R200.00 R55.00 R4.35 1.61% of Cash Value R57.00 R130.00 R5.50 R55.00 Pay-As-You-Use s Youth Save s

NEW Gold & Platinum The Portfolio is exclusively designed for you if you are 55 and older. In addition to the benefits available to all FNB customers, you ll also enjoy: Preferential interest rates on the Pocket linked to your FNB. (No fees are charged on your Pocket and the more you save, the better your interest rate) Qualifying and Petro Card customers benefit from a 50% discount on the Monthly Card Fee, however you are required to apply for the offering when you reach the age of 55 or older. Terms and conditions apply. Platinum From October 2014, the Platinum is available which offers Platinum benefits to over 55's. Customers over the age of 55, who have annual earnings of R350 000 or more, can take up the Platinum offering. Home Platinum Holders enjoy the following exclusive Platinum benefits: Premier Services for all your banking needs Access to SLOW* airport lounges for domestic and international travel Get Comprehensive Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Card Platinum Card delivered by courier at no extra charge Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month. Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times. 1. Balance Option: you will not pay the monthly Fee if you are able to maintain at least R5 000 in your. This option includes: unlimited qualifying electronic transactions; and four FNB ATM cash withdrawals; and a combination of three branch, cheque and Telephone (consultant assisted) transactions (excluding all cash and cheque deposits) per month 2. Pocket Option: you will not pay the monthly Fee if you pledge at least R10 000 in your Pocket linked to your. This option includes: unlimited qualifying electronic transactions; and four FNB ATM cash withdrawals; and a combination of three branch, cheque and Telephone (consultant assisted) transactions (excluding all cash and cheque deposits) per month * Terms, conditions and rules apply. s Youth Save s

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Unlimited Standard Monthly Fees Gold Platinum R95.00 R95.00 R105.00 R105.00 Online and Cellphone Subscriptions InContact Linked ( Pocket) Petrol Card Minimum Balance for Rebate on Monthly Fee Minimum Balance in your N/A R14.50 R5 000 Minimum Balance in linked Pocket Card Purchases N/A R10 000 s Pay with your card Commission and Currency Conversion Fee on International Card Purchases Petrol Card Cash Withdrawals Cash@Till FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch International Branch (Additional 2.75% Commission and Conversion fee applies) 2.75% of transaction value R4.00 per R500.00 Four every Month, thereafter R6.70 per R500.00 R6.50 + (R6.70 per R500.00) R43.00 R23.00 R43.00 + 1.61% of withdrawal value R43.00 + 1.61% of withdrawal value R23.00^ + 1.61% of withdrawal value R23.00^ + 1.61% of withdrawal value Youth Save s ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. TM

Transaction Description Unlimited Standard Linked Transfers Into Linked ( Pocket) Using echannels Using Mobile Channels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated R35.00 R 12.50^ R43.00 R 23.00^ R35.00 R 12.50^ R43.00 R 23.00^ R80.00 R5.00 R5.00 R15.00 R43.00 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 22.00) R 20.00 (per deposit) R85.00 R 80.00 (per cheque) s Youth Save s ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. TM

Transaction Description Unlimited Standard Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements* Current Month Emailed Statement First Official Monthly Statement Collected at an FNB Branch Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item( and Debit Order) Card Replacement Fees Electron Visa Card/Chip & PIN Card FNB Petrol Card R1.10 R8.50 R 8.50^ R4.20 R4.20 R3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R7.50 R60.00 for first three, R138.00 thereafter (per item within a 12 month period) R80.00 R115.00 R115.00 s Youth Save s * Free for s utilising an Overdraft. ^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.

Transaction Description Unlimited Standard Credit Fees Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft) Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit) Monthly Credit Service Fee (Revolving Loan) Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit) Book Fees Pocket 40 Form Copies of Vouchers (Deposit Slips and s) Online Branch and Telephone (Consultant Assisted) Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Send Money to Zimbabwe/Mozambique Value: R20.00 - R1 000.00 Value: R1 000.01 - R2 000.00 Value: R2 000.01 - R3 000.00 Additional Statements (Fee per Month) Daily R57.00 R25.00 R57.00 R17.00 R40.00 R 20.00 (per side) R1.50 R40.00 R4.25 + (R6.70 per R500.00) R8.50 R20.00 R45.00 R70.00 R105.00 R46.00 s Youth Save Online Weekly Twice Monthly R21.00 R11.50 Daily R85.00 Paper Weekly R34.00 Twice Monthly R17.00 s

Home Transaction Description Unlimited Standard My Limit Alert Scheduled Payment Alert Monthly Weekly Daily Email SMS Fax Electronic Subscriptions Services (Fee per Month) Balance Alert (Fee per Month) Payment Notifications Other Fees Card Courier Fee Device Courier Fee Book Courier Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your Limit has been exceeded) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Optional Roadside Assistance on your qualifying Card Cash Centre Deposit: Error in Cast R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 R95.00 Device dependant R200.00 R55.00 R4.35 1.61% of Cash Value R57.00 R130.00 R5.50 R55.00 s Youth Save s

and Islamic Youth It s never too early to start banking. The FNB Youth has been designed especially for you if you are younger than 18. This account offers great savings on fees while teaching young children and teens the ins-and-outs of saving and banking wisely. Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month. Standard Pricing Option: You will not pay a monthly Fee if you keep a minimum of R500 in your account at all times. You will also get two debits per month, after which you will be charged an applicable fee per transaction. These include: FNB ATM cash withdrawals Payments and transfers using echannels and Mobile Channels Debit orders Local purchases with your Card are. Islamic Youth We are pleased to offer you the option of choosing a Shari ah compliant Youth. For more information please contact the Islamic contact centre on 0861 786 788. s Youth Save s TM

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Unlimited Standard Monthly Fees Monthly Fee R24.50 R6.00 Online and Cellphone Subscriptions InContact Minimum Balance for Rebate on Monthly Fee Minimum Balance in your Youth Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Cash Withdrawals Cash@Till FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch N/A R500 2.75% of transaction value Four every Month, thereafter R6.70 per R500.00 R4.00 per R500.00 R4.00 per R500.00 R6.70 per R500.00 R6.50 + (R6.70 per R500.00) R43.00 R28.00 R43.00 + 1.61% of withdrawal value s Youth International Branch (Additional 2.75% Commission and Conversion fee applies) Linked Transfers R43.00 + 1.61% of withdrawal value R28.00 + 1.61% of withdrawal value Save Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch R3.50 R35.00 R43.00 s

Transaction Description Unlimited Standard Payments Using Mobile Channels FNB ATM, Online, Telephone (IVR) & Scheduled Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) R7.00 R35.00 R43.00 R80.00 R5.00 R5.00 R15.00 R43.00 R11.50 R3.70 R16.00 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R 20.00 (per deposit) R85.00 R 80.00 (per cheque) R1.10 R8.50 R8.50 s Youth Save s

Transaction Description Unlimited Standard Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item ( and Debit Order) Card Replacement Fees Card Replacement Convenience and Value Added Services Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Electronic Subscriptions Services (Fee per Month) My Limit Alert Scheduled Payment Alert R1.40 R2.50 R4.20 R4.20 R3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R7.50 R60.00 for first three, R138.00 thereafter (per item within a 12 month period) R80.00 R40.00 R4.25 + (R6.70 per R500.00) R8.50 R20.00 R3.00 R3.00 s Youth Save s

Transaction Description Unlimited Standard Balance Alert (Fee per Month) Monthly Weekly Daily Payment Notifications Email SMS Fax Other Fees Card Courier Fee Online Password (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Cash Centre Deposit: Error in Cast R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 R95.00 R55.00 R4.35 1.61% of Cash Value R130.00 R55.00 s Youth Save s

As a student we understand that managing your cash and finances should be the least of your worries, which is why we offer two different pricing options and low Fees. Two pricing options are available to ensure you always get exactly what you need, without paying too much: Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using echannels and Mobile Channels. Qualifying transactions include: Debit orders Card purchases Payments and transfers using echannels and Mobile Channels Cash withdrawals using Cash@Till TM You also get four FNB ATM withdrawals every month. Pay-As-You-Use Pricing Option: You will not pay the monthly Fee if you keep a minimum of R500 in your account at all times. This option is for you if your transactions vary from month-to-month and you do a combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For a low monthly fee you also get: Card purchases cash withdrawals using Cash@Till TM transactions using Mobile Channels which include: Transfers and payments, mini statements and balance enquiries The is available to full-time students between the ages of 18 and 25 studying towards a degree or diploma at a recognised tertiary education institution. s Youth Save s

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Unlimited Pay-As-You-Use Monthly Fees Monthly Fee R24.50 R6.00 Online and Cellphone Subscriptions InContact Minimum Balance for Rebate on Monthly Fee Minimum Balance in your Youth N/A R500 Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Cash Withdrawals Cash@Till FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) FNB Branch Four every Month, thereafter R6.70 per R500.00 R4.00 per R500.00 R4.00 per R500.00 R6.70 per R500.00 R6.50 + (R6.70 per R500.00) R43.00 R28.00 R43.00 + 1.61% of withdrawal value s Youth International Branch (Additional 2.75% Commission and Conversion fee applies) R43.00 + 1.61% of withdrawal value R28.00 + 1.61% of withdrawal value Linked Transfers Save Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch R3.50 R35.00 R43.00 s

Transaction Description Unlimited Pay-As-You-Use Payments Using Mobile Channels FNB ATM, Online, Telephone (IVR) & Scheduled Telephone (Consultant Assisted) FNB Branch/ Bank Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Post-dated Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) R7.00 R35.00 R43.00 R80.00 R5.00 R5.00 R15.00 R43.00 R11.50 R3.70 R16.00 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R 43.00) R 20.00 (per deposit) R85.00 R 80.00 (per cheque) R1.10 R8.50 R8.50 s Youth Save s

Transaction Description Unlimited Pay-As-You-Use Balance Enquiries Using echannels & Mobile Channels Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone (Consultant Assisted) Statements Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Returned Item ( and Debit Order) Card Replacement Fees Card Replacement Convenience and Value Added Services Buy LOTTO /Powerball Pay & Clear Now Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Send Money to Zimbabwe/Mozambique Value: R20.00 - R1 000.00 Value: R1 000.01 - R2 000.00 Value: R2 000.01 - R3 000.00 R1.40 R2.50 R4.20 R4.20 R3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R7.50 R60.00 for first three, R138.00 thereafter (per item within a 12 month period) R80.00 R1.50 R40.00 R4.25 + (R6.70 per R500.00) R8.50 R20.00 R45.00 R70.00 R105.00 s Youth Save s

Transaction Description Unlimited Pay-As-You-Use Electronic Subscriptions Services (Fee per Month) My Limit Alert Scheduled Payment Alert Balance Alert (Fee per Month) Monthly Weekly Daily Payment Notifications Email SMS Fax Additional Statements (Fee per Month) Online Paper Other Fees Card Courier Fee Online Password Reset (Consultant Assisted) Online Verification (FNB s and Other Banks s) Viewing of Payment History (older than 3 months) Cash Swap Daily Weekly Twice Monthly Daily Weekly Twice Monthly Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Cash Centre Deposit: Error in Cast R46.00 R21.00 R11.50 R85.00 R34.00 R17.00 R3.00 R3.00 R0.95 R3.00 R15.00 R0.70 R1.10 R5.00 R95.00 R55.00 R4.35 1.61% of Cash Value R130.00 R55.00 s Youth Save s

If you re looking for a flexible way of saving, then the is ideal for you. This account is no longer available for new customers. Offering you easy and instant access to your money, you will not pay a monthly Fee if you maintain a Minimum Balance of R2 000 in your account at all times. Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Minimum Balance for Rebate on Fee Minimum Balance in your Card Purchases Pay with your card Commission and Currency Conversion Fee on International Card Purchases Cash Withdrawals Cash@Till FNB Mini ATM/Slimline Other Banks Mini ATM FNB ATM Other Banks ATM FNB Branch Linked Transfers Using echannels & Mobile Channels FNB Branch Fee R6.00 R2 000.00 2.75% of transaction value R 5.50 per R500.00 R 5.50 per R500.00 R 11.00 per R500.00 R6.50 + (R11.00 per R500.00) R43.00 + 1.61% of withdrawal value R5.50 R43.00 s Youth Save s TM

Transaction Description Payments Using echannels & Mobile Channels FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Prepaid Purchases Using echannels & Mobile Channels Other Banks ATM Telephone (Consultant Assisted) Balance Enquiries Using echannels & Mobile Channels Statements FNB ATM Transaction List Branch Statements Convenience and Value Added Services Buy LOTTO /Powerball Send Money to an Cardless Cash Withdrawals Other Fees Overdrawn Fee (when your Limit has been exceeded) Fee R11.00 R43.00 R5.50 R16.00 R5.00 R5.00 R15.00 R43.00 0.70% of deposit value (min R5.50) 1.51% of deposit value (min R43.00) R 20.00 (per deposit) R85.00 R1.10 R8.50 R8.50 R3.00 R 13.00 (per page) R1.50 R8.50 R4.25 + (R6.70 per R500.00) R57.00 s Youth Save s TM Any other fees not specifically mentioned above are charged at Pay-As-You-Use fees.

This account is no longer available for new customers. You do not pay a monthly fee. You may for 8 transactions a month, then you pay an additional fee of R8.00 per transaction. Mzanzi holders are limited to a maximum balance of R15 000 every month and you are allowed to have debit orders with this account. Transaction Description Monthly Fees Monthly Fee R0.00 Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Issuing Fee (Charged every 6 months after opening) R5.00 Card Purchases Pay with your Card Cash Withdrawals Cash@Till FNB Mini ATM/ Slimline Other Banks' Mini ATM FNB ATM Other Banks' ATM FNB Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Prepaid Purchases Using echannels & Mobile Channels Other Banks' ATM Telephone (Consultant Assisted) R 3.50 R 3.50 R 6.50 R 6.50 R 15.00 R 6.50 R 15.00 R 20.00 (per deposit) R 85.00 R 1.10 R 8.50 R 8.50 s Youth Save s

Transaction Description Linked Transfers Into linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Balance Enquiries Using echannels & Mobile Channels Point-of-Sale Other Banks' ATM R 1.00 R 6.50 R 35.00 R 43.00 R 1.00 R 6.50 R 35.00 R 43.00 R 3.50 R 6.50 R 5.00 R 5.00 R 15.00 R 43.00 R 11.50 R 1.25 s Youth Save s

Transaction Description Statements Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM Returned Item (Debit Order and Scheduled Payments) Card Replacement Fees Electron Convenience and Value Added Services Buy LOTTO /Powerball Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Electronic Subscriptions Services (fee per month) My Limit Alert Scheduled Payment Alert Balance Alert (fee per month) Monthly Weekly Daily R 3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R 7.50 R 5.00 (per item) R 80.00 R 1.50 R4.25 + (R6.70 per R500.00) R 8.50 R 20.00 R 3.00 R 3.00 R 0.95 R 3.00 R 15.00 s Youth Save s

Transaction Description Payment Notifications Email SMS Fax Other Fees Card Courier Fee Online Password Reset Telephone (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your limit has been exceeded) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Cash Centre Deposit: Error in Cast R 0.70 R 1.10 R 5.00 R 95.00 R 55.00 R 4.35 1.61% of Cash Value R 57.00 R 130.00 R55.00 s Youth Save s

This account is no longer available for new custsomers and is valid only if you live in the Eastern Cape, and get a grant of any kind from Eastern Cape Government. You are not permitted to have debit orders with this account. Transaction Description Monthly Fees Monthly Fee Online and Cellphone Subscriptions InContact Linked ( Pocket) Card Purchases Pay with your Card Cash Withdrawals Cash@Till FNB Mini ATM/ Slimline Other Banks' Mini ATM FNB ATM Other Banks' ATM FNB Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance Prepaid Purchases Using echannels & Mobile Channels Other Banks' ATM Telephone (Consultant Assisted) R 6.50 R 3.50 R 3.50 R 6.50 R 6.50 R 15.00 R 6.50 R 15.00 R 20.00 (per deposit) R 85.00 R 1.10 R 8.50 R 8.50 s Youth Save s TM

Transaction Description Linked Transfers Into linked ( Pocket) Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Payments Using Mobile Channels Using echannels Telephone (Consultant Assisted) FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Mobile Channels Telephone (Consultant Assisted) Branch Scheduled Payment Related (Establishment and Amendment) Online Branch Balance Enquiries Using echannels & Mobile Channels Point-of-Sale Other Banks' ATM R 1.00 R 6.50 R 35.00 R 43.00 R 1.00 R 6.50 R 35.00 R 43.00 R 3.50 R 6.50 R 5.00 R 5.00 R 15.00 R 43.00 R 11.50 R 1.25 Home Home s Youth Save s TM

Transaction Description Statements Cellphone Mini Statement FNB ATM Transaction List Historical Statements older than 3 months - Online Posted/ed Statement Historical Statements older than 3 months - Branch and Telephone Provisional Statement - Branch and Telephone Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM Returned Item (Debit Order and Scheduled Payments) Card Replacement Fees Electron Convenience and Value Added Services Buy LOTTO /Powerball Cardless Cash Withdrawals Send Money Send Money to an Reversal of Send Money to Electronic Subscriptions Services (fee per month) My Limit Alert Scheduled Payment Alert Balance Alert (fee per month) Monthly Weekly Daily R 3.00 R 6.00 (per statement) R 13.00 (per statement) R 13.00 (per statement) R 13.00 (per page) R 7.50 R 5.00 (per item) R 80.00 R 1.50 R4.25 + (R6.70 per R500.00) R 8.50 R 20.00 R 3.00 R 3.00 R 0.95 R 3.00 R 15.00 s Youth Save s

Transaction Description Payment Notifications Email SMS Fax Other Fees Card Courier Fee Online Password Reset Telephone (Consultant Assisted) Online Verification (FNB s and Other Banks s) Cash Swap Overdrawn Fee (when your limit has been exceeded) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Cash Centre Deposit: Error in Cast R 0.70 R 1.10 R 5.00 R 95.00 R 55.00 R 4.35 1.61% of Cash Value R 57.00 R 130.00 R55.00 s Youth Save s

is a book based savings account for a group of people who want to save together. Transaction Description Monthly Fees Monthly Fee Minimum Balance Required for Rebate R 5.75 R 5 000.00 Cash Withdrawals FNB Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM Linked Transfers Using Mobile Channels Using echannels Statements Provisional Statement - Branch and Telephone Lost Book Replacement Fees Lost Book Replacement Fees R 25.00 0.70% of deposit value (min R5.50) R4.50 + 1.50% of withdrawal value R 20.00 (per deposit) R 1.00 R 3.50 R 13.00 (per page) R 24.00 s Youth Save s

Save This account is no longer available to new customers. If you have R5000 in your at all times during the month, you will get 10 free transactions (this does not include cash deposits, special instructions, penalty fees or statment changes). Transaction Description Monthly Fees Monthly Fee Minimum Balance Required for Rebate Cash Withdrawals FNB Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM Linked Transfers Using Mobile Channels Using echannels Statements Provisional Statement - Branch and Telephone Lost Book Replacement Fees Lost Book Replacement Fees Save R 5.75 R 5 000.00 R 25.00 0.70% of deposit value (min R5.50) R4.50 + 1.50% of withdrawal value R 20.00 (per deposit) R 1.00 R 3.50 R 13.00 (per page) R 24.00 s Youth Save s

It has grown into the ultimate transactional tool, giving you real value and benefits that make life rewarding with everyday savings. Bank monthly subscription to FNB echannels and Mobile Channels incontact; we ll SMS you every time R100 or more goes into, or out of your account balance enquiries using FNB echannels and Mobile Channels email or posted monthly statements lost card protection and PIN replacement Auto-payment solution offers you the convenience of having your account paid on time, every time You don t pay extra fees when you swipe your ; there are no transaction fees no matter how big or small your purchase Save unlimited swipes: all swipes are, that means you save money as there are no transaction fees when spending on small and big ticket items We offer you personalised and competitive debit interest rates - calculated for the individual, not the product We also offer you credit interest rates Borrow is no longer just about credit. Up to 55 days INTEREST- credit We offer you personalised and competitive debit interest rates of up to 3% lower than other products - calculated for the individual, not the product s Youth Save Insure Debt Protection Plan cover to settle your outstanding debt in the event of death, permanent disability and retrenchment Accidental Death Plan cover for you or your family in the event of your death in an accident Safeguard your family s lifestyle with FNB s Lifestyle Protector in the event of death or permanent disability s

Lifestyle Should you meet the qualifying criteria, you could qualify for a monthly R50.00 discount on your new smartphone or tablet offering AA Emergency Roadside Assistance with a linked Petro Card Get Travel Insurance that keeps you covered locally and internationally, when you purchase your travel ticket(s) using your For your convenience, we can deliver your to your home or office (delivery fees may apply) Safety Your Chip and Pin provides you with a secure way to pay, making transactions safer than ever before Online Secure is a service offered by FNB that uses a One Time PIN (OTP) to protect your card against unauthorised use when transacting online ebucks Rewards As a customer, you can earn ebucks for doing everyday things like shopping, filling up with fuel or loading airtime using your FNB and doing your banking with FNB You can spend your ebucks on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers, outdoor equipment, fashion pretty much anything! You will get a guaranteed 1% back in ebucks on your spend and up to 15% back on your fuel, prepaid airtime, electricity, Checkers & Shoprite spend For detailed information on how to qualify, earn and redeem your ebucks, please visit www.fnb.co.za or any FNB Branch s Youth NEW Exclusive to FNB Platinum holders Access to the 24/7 Platinum Call Centre Access to SLOW airport lounges for domestic and international travel Access to SLOW in the City Take Me Home benefit on a linked Platinum Petro Card and standalone Petro Cards allows you to make use of a designated driver service when you need to get home safely Bundled Platinum pricing option From 1 October 2014, if you hold a qualifying FNB Platinum and, you will qualify for the Bundled Platinum pricing option of R199 on your Platinum. This discounted fee will include your Platinum and monthly fees as well as your ebucks linkage fee and fees for up to 5 additional s.* To find out more about this pricing option, please refer to the section. Save s Terms, conditions and rules apply. *Excludes your Linked Petro Card Fee

Monthly Fees Fees that have not changed or have been reduced are reflected in turquoise. For ease of reference, monthly NCA Card Fees for our product range have been segmented below. Transaction Description Classic Fees (per Month) Monthly Fee Credit Facility Service Fee Additional Card Fees (per Card Linked to ) Linked Petro Card (per Card Linked to ) Initiation Fee (once-off) Gold Fees (per Month) Monthly Fee Credit Facility Service Fee Additional Card Fees (per Card Linked to ) Linked Petro Card (per Card Linked to ) Initiation Fee (once-off) Platinum Fees (per Month) Monthly Fee Credit Facility Service Fee Additional Card Fees (per Card Linked to ) Linked Petro Card (per Card Linked to ) Initiation Fee (once-off) Standalone Petro Card Fees (per Month) Petro Card Monthly Fee Credit Facility Service Fee Additional Card Fees (per Card Linked to ) Initiation Fee (once-off) Fee R23.00 R5.00 R12.50 R14.50 R135.00 R24.50 R7.50 R12.50 R14.50 R135.00 R53.00 R10.00 R13.25 R20.00 R135.00 R28.50 R7.50 R12.50 R135.00 s Youth Save s

Definitions Monthly Fee: is the cost charged monthly for the administration and maintenance of your Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your Credit Facility Other -related Fees Transaction Description Purchases Purchase Budget Purchase Commission and Currency Conversion Fee on International Card Purchases Fuel Transaction Fee (Petro Cards only) Cash Withdrawal Fees FNB ATM Other Banks ATM FNB Mini ATM (per R500.00) Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) Fee 2.75% of transaction value R4.75 (per R500.00) R6.70 (per R500.00) R6.50 + FNB ATM Fee R4.00 R43.00 + 1.61% of withdrawal value s Youth Cash on Budget: Platinum R47.50 + % of withdrawal value 2.00% % of Value Gold Classic International^ (ATM and Branch) Deposits Deposits ( for ) FNB ATM with Automated Deposit Terminal (ADT): % of value Minimum Clearance Fee 2.25% 2.50% R28.00 + 1.61% of withdrawal value R20.00 0.70% R5.50 R250.00 Save ^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. s

Definitions Monthly Fee: is the cost charged monthly for the administration and maintenance of your account Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your Credit Facility Other -related Fees Transaction Description Linked Transfers & Payments IVR Transfer to FNB Linked Transfers Third Party Payments Telephone (Consultant Assisted) Transfers and Payments at Branch Voucher Retrieval Requests Local International Other Fees Declined Transaction Fee Bank Administration Fee Card Replacement Fee (per Card) (Standard 3-day Delivery) Fast-track Card Replacement Fee (per Card) (24-hour Delivery on Request) Card Delivery to nearest FNB Branch Card Courier Delivery ( for Platinum Cardholders) Section 129 Letter Fee Convenience Fees Send Money to an FNB Reversal of Incorrect Send Money to an FNB Transaction Cardless Cash Withdrawal (Cellphone ) Pay2Cell LOTTO TM /Powerball Purchase Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone ) Fee R3.50 R7.00 R35.00 R43.00 R75.00 R250.00 R7.50 R80.00 R115.00 R385.00 R195.00 R55.23 R8.50 R20.00 R4.25 + FNB ATM Fee R3.50 R2.00 R2.00 s Youth Save s TM

Monthly Fees and Credit Facility Service Fees are not negotiable. Important Information The above pricing is inclusive of VAT and Petro Card customers over the age of 55 can benefit from a 50% discount on the Monthly Card Fee, with our offering, however you are required to apply for this product. Terms and conditions apply. Interest rates are personalised and appear on the Statement Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement Should you require further information on any products or services, please contact Credit Card Customer Enquiries on 087 575 1111 If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act s Youth Save s

With, you can send money instantly to a valid South African cellphone number. The recipient can access money in the and doesn t even need a Bank. They can get cash at any FNB ATM, buy prepaid airtime, data, electricity and more. Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise. Transaction Description Fee s Monthly Fee Deposit Cash into at FNB ATM Advance FNB ATM Cash Withdrawals (first withdrawal per send is free) Prepaid Purchases Send Money from an to another Transfer from to your FNB GeoPay from Payment to a Bank Purchase or Get Cash at Selected Stores** Other Fees Monthly Dormancy Fee (charged after 6 consecutive months of inactivity) Declined Transaction at an FNB ATM FNB Balance Enquiry FNB Transaction List R6.00* R6.00* R1.50 R6.00 * R1.50* R1.50 R6.00 Youth Save s * Not applicable to Pro wallet holders. Refer to www.fnb.co.za ** List of selected stores available on www.fnb.co.za

At FNB we aim to simplify your Foreign Exchange Transactions. With your convenience in mind, we have adapted our for personal banking so that you can effortlessly: Send monetary gifts abroad Pay tuition fees in another country Buy clothing and goods from anywhere in the world Order foreign currency and have it delivered to your business premises Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc Receive money from abroad And so much MORE Next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign currency payments, use one of FNB s channels: FNB Online Advisory Team FNB Branches MoneyGram Channels include: FNB Branches (load beneficiaries and transact) FNB Cellphone (transact once beneficiaries have been saved in-branch) FNB ATMs (transact once beneficiaries have been saved in-branch) Advisory Team Rewards Payments Sending and receiving money in a foreign currency via Online will earn you up to 50% back in ebucks** on the transaction charges. Standing Instructions* Should you receive money from abroad in a foreign Currency on a regular basis, you can give us permission to convert these payments on your behalf, and you will earn up to 100% back in ebucks** on the transaction charges. Home s Youth Save s *Standing Instructions apply to gifts, salaries, pension, alimony and annuities. **Subject to standard ebucks earn rules.

Transaction Description Travel Products Bought from FNB Cash Passport Initial load fee (per currency) Cash Passport commission (minimum R65) Foreign Notes commission (minimum R70) LSL,NAD,SZL Notes Commission (minimum R90) Travel Products sold to FNB Cash Passport If originally bought from FNB and proceeds credited to an FNB transactional account commission If proceeds credited to an account other than an FNB transactional account commission (minimum R65) Foreign Notes Foreign Notes Commission (minimum R70) LSL,NAD,SZL Notes Commission (minimum R90) International Payments Outward SWIFT Transfers Commission (minimum R135, maximum R650) SWIFT fee Additional fee when payment is sent in South African Rand Inward SWIFT Transfers Commission (minimum R135, maximum R650) Additional fee when payment is received in South African Rand Money Transfers Send Money to Zimbabwe/Mozambique Value R100 R1000 Value R1001 R2000 Value R2001 R3000 Fee R105.00 1.850% 1.900% 3.000% 1.850% 1.900% 3.000% 0.50% R100.00 R110.00 0.50% R110.00 R45.00 R70.00 R105.00 s Youth Save s

Transaction Description Foreign cheques Drafts Commission (minimum R210, maximum R870) Draft Fee Bills Negotiable Commission (minimum R210, maximum R870) Delivery Delivery charge Failed delivery charge (if customer is not available when appointment was made) Other Products and Services Forward Exchange Contracts Establishment Drawdown (per drawdown) Cancellation Extension Exchange Control Applications to the SARB Minimum Fee (per application) Special request or follow-up Discretionary Admin Fee (minimum) Low Value Inward SWIFTs and Bills Negotiable Foreign Currency Inward SWIFTs and BNs Value R0 - R100.00 Value R100.01 - R500.00 Value R500.01 - R1 000.00 Value R1 000.01+ Fee 1.00% R100.00 1.00% R150.00 R150.00 R100.00 R100.00 R100.00 R100.00 R1 140.00 R75.00 R29.00 R58.00 R111.00 Normal charges as per product pricing schedule s Youth Save Inward SWIFTs received in South African Rand Value R0 - R100.00 Commission R29.00 ZAR Fee R0.00 Value R100.01 - R500.00 R58.00 R0.00 Value R5 00.01 - R1 000.00 R111.00 R0.00 Value R1 000.01 - R2 000.00 Value R2 000.01 - R3 000.00 R135.00 R135.00 R35.00 R90.00 s Value R3000.01+ Normal charges as per product pricing schedule

Transaction Description Inward Pension Transfers Value R0 - R1 000.00 Value R1 000.01 - R5 000.00 Value R5 000.01 - R10 000.00 Value R10 000.01 - R25 000.00 Value R25 000.01 - R40 000.00 Value R40 000.01+ Fee R15.00 R30.00 R45.00 R48.00 R50.00 R52.00 s Youth Save s

s FNB s makes offshore investment simple and convenient. With s via Online, you are able to: Open and manage your s, Hold your individual foreign investment allowance in a foreign currency by simply transferring funds from your FNB into your, Make payments to an offshore account from your, Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in the world to your. (All transactions are subject to the South African Reserve Bank requirements) s are offered in the following currencies: US Dollar British Pounds Euros Australian Dollars Indian Rupees Chinese Renminbi Home Home s Youth Transaction Description s Transfer to/from your FNB to/from your s Transfer between s International Payments Outward SWIFT Transfers Commission (minimum R135.00 maximum R650.00) SWIFT fee Inward SWIFT Transfers Commission (minimum R135.00 maximum R650.00) Credit Interest Rate Fee R50.00 R50.00 0,50% R100.00 0,50% Enquire Save s Interest is paid on s and no minimum blance is required. Rates are subject to change. For Credit Interest Rates, refer to rates on www.fnb.co.za

MoneyGram TM With MoneyGram TM from FNB, it is easier than ever to send and receive cash globally via FNB branches, ATMs and Cellphone. is a money transfer service used to do cross-border, person-to-person payments. It s an affordable, reliable, fast and convenient way to send or receive foreign currency. Note: All beneficiaries must first be added in-branch, after which you will be able to transact via FNB ATMs or Cellphone. Send Amount (USD) From To Send Fee (USD) $0.01 $50 $7 $50.01 $100.01 $100 $150 $10 $11 s $150.01 $200.01 $200 $250 $13 $15 Youth $250.01 $300.01 $400.01 $500.01 $300 $400 $500 $600 $17 $19 $24 $29 $600.01 $700.01 $700 $800 $34 $39 $800.01 $900 $44 $900.01 $1 000.01 $1 000 $1 200 $49 $55 $1 200.01 $1 500.01 $1 500 $1 800 $63 $70 Save $1 800.01 $2 500 $90 $2 500.01 $5 000 $140 $5 000.01 $7 500 $240 $7 500.01 $10 000 $290 s Pricing is set by MoneyGram TM and subject to change at their discretion.

Important information about our products and prices FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new fees from time to time. We will give you at least 20 business days notice of these changes on the FNB website or on FNB ATMs Errors and omissions excluded You must apply for each facility or product individually. The grant of any facility or product is subject to you meeting the credit and qualifying criteria of that product or facility Each facility or product has a set of terms and conditions relevant to that facility or product. We agree these terms and conditions with the applicant. If there is a conflict between product and facility specific terms and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions that apply to such a facility or product The Bank reserves the right to change at any time the features of any product or facility First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider Standard Terminology To assist you in comparing FNB s charges with those of other banks, we have, as far as possible, used standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below indicating the appropriate standardised terminology which may be used by other banks. s Youth FNB Term (as per pricing guide) Card Purchase Payment Standard Terminology Card Transaction Third Party Payment/Stop Order Save s