Contents. make the most of your Business Banking. Pricing Guide. 1 July 2014 to 30 June Introduction. How can we help you?

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1 make the most of your Business Banking. Contents Introduction 01 How can we help you? GET MORE VALUE 03 Pricing Guide 1 July 2014 to 30 June 2015 How can we help you? PAY LESS BANK CHARGES Business product offering Islamic Account Business Investment Accounts Business Super Save Online Banking Foreign exchange and trade Commercial (Business) Credit Card Important information 31

2 1 Introduction This guide contains Business Account pricing, as well as related value-added services to assist you with making sound financial management decisions. The fees indicated in this guide are VAT inclusive and effective from 1 July 2014 to 30 June FNB is committed to bringing our customers the most effective, innovative and relevant banking solutions. To assist you with unlocking these value adds, we have listed various offerings below to help you GET MORE VALUE and PAY LESS BANK CHARGES on your business account

3 2 How can we help you? GET MORE VALUE ebucks for Business ebucks for Business is a rewards programme that gives qualifying FNB Business Banking customers the ability to earn up to 15% back on fuel purchases and 2.5% back on cheque card spend in ebucks. Visit for more information. Instant Payroll Prepare your monthly payroll, generate payslips quickly and easily and ensure that you comply with current SARS requirements. Instant Payroll is available for the first 5 payslips each month and R20 per additional payslip processed. Instant Accounting Instant Accounting is a unique, online accounting solution which uses your FNB electronic bank statement to generate financial statements and reports, including income statements, balance sheets, cash flow statements and more. Best of all, it s. SLOW Lounge Access As an FNB Business Card holder, you can experience the difference between a waiting room and a destination with our SLOW Domestic Lounges located in the domestic terminals of OR Tambo, King Shaka and Cape Town International Airports. Terms and conditions apply. Business Banking App for Online Banking Enterprise If you can t do business on the move, then you re probably missing opportunities. FNB s Business Banking App will not only change where you do business, but how you do it too. Along with the freedom of mobility, you ll be able to manage your business financial needs with dual authorisation and dual administration capabilities. All this without compromising your business security. Single Pricing Option Pay a single monthly fee for your monthly electronic transactions, allowing you to keep track of your monthly bank charges and know what you are going to pay up front. ewallet Pro Reduce your risk of theft, fraud and cash handling costs by paying your contract or casual employees easily and safely with ewallet Pro. There is NO need for employees to have a bank account all they need is a valid SA cellphone number. Specialised Finance We are able to assist our business clients with various lending requirements including: Overdraft Facilities Leveraged Finance Debtor Finance Selective Invoice Discounting Collateralised Trade Finance Credit Cards The Business Banking App allows you to access Online Banking Enterprise on a tablet, offering more convenience and accessibility. Most of the core functionality of Online Banking Enterprise is available via any tablet device. Once you have linked your device to your Online Banking Enterprise profile, your pre-existing Online Banking Enterprise settings will apply

4 3 How can we help you? PAY LESS BANK CHARGES Deposit cash using our ATM Advance machines Instead of going to an FNB branch teller to make cash deposits, rather make use of our automated ATM Advance deposit machines. Cash clears immediately, it s cheaper and it s quicker! Get an FNB Business Card and stop paying with cash Carrying cash these days is not only expensive but also dangerous. What s more, is that the FNB Business Card offers one of the simpler ways to pay for your business needs. Better ways to bank Cheques are fast becoming obsolete; they are expensive to process and are not as safe to use as electronic channels such as the FNB s Business Banking App and FNB s Online Banking. A sure way to save on charges is to rather do Electronic Funds Transfers (EFT) via the FNB s Business Banking App or Online Banking. Request that your customers pay you electronically Cash deposits by customers into your account attracts high cash deposit fees that YOU end up paying for. By requesting that your customers pay you via Electronic Funds Transfers (EFT), you will reduce the cash deposit fees on your account. Have a real need to withdraw cash? Use Cash@Till instead of an ATM It s always cheaper to withdraw cash from an FNB ATM than a non-fnb ATM, but it s also cheaper to withdraw cash from participating retailers using Cash@Till. If you must withdraw cash, do it when purchasing goods at participating retailers. Switch to statements Go paperless and save. Apart from the fact that it s to get statements from FNB, it s more secure and easier to store/retrieve them. Furthermore, you can choose to receive them in both PDF and Excel (CSV) formats which make importing them or doing monthly reconciliation calculations much easier. 06

5 4 Business Product offering Business Account With your Business Account, you can choose between the Pay-As-You-Use Pricing Option (PAYU), or one of three Single Pricing Options. Please note that all references to Card transactions indicate Business Cheque, Visa, Debit or Electron Card transactions and not Credit Card pricing. Single Pricing Options There are three Single Pricing options to choose from. With these options you are charged a service fee upfront and do not have to monitor your transaction fees each month. Description Option 1 Option 2 Option 3 On all of these pricing options, you will be charged for items in excess of the limit at an additional per-item fee. FNB Electronic Debit Transactions (per transaction) R16.00 R R0.76 per R Cash Deposited at FNB Advance Terminal *Debit transactions include all payments and transfers done via Online Banking, ATM and Cellphone Banking platforms, excluding: All cheque and branch transactions Pay and clear now Transactions using Online Banking Enterprise (Role Separation) Other Banks ATMs These and other fees are charged for at the applicable rates as quoted in this guide. Monthly fee R R R Electronic debit transactions 30 transactions which include a maximum of 5 FNB ATM and FNB ATM Advance cash withdrawals 50 transactions which include a maximum of 10 FNB ATM and FNB ATM Advance cash withdrawals 75 transactions which include a maximum of 10 FNB ATM and FNB ATM Advance cash withdrawals Cash deposited at FNB Advance terminals only 10 transactions per month for a total cash deposited of R per month 15 transactions per month for a total cash deposited of R per month 20 transactions per month for a total cash deposited of R per month Point of Sale card purchases Unlimited Unlimited Unlimited 07 08

6 Pay-As-You-Use pricing option Transaction Description On this pricing option, you pay a lower fee of R61.00 per month and each transaction will be charged separately as per the tables below. s that have not been increased or reduced from last year s pricing appear in turquoise. Transaction Description Purchases Prepaid purchases Prepaid purchases - FNB Electronic channels R1.10 Prepaid Purchases at other Banks ATM R8.50 Prepaid purchases - FNB Telephone Banking R8.50 (Consultant assisted) Card Purchases FNB Business Card Purchases (local and international) ** R3.30 FNB Business Card Petrol Purchases R4.75 Inter-account transfers Electronic transfers (FNB ATM, Online Banking - No role separation, R4.00 Telephone Banking - IVR and Speech) Consultant Assisted Transfers (Branch and Telephone Banking) R35.00 Scheduled transfers (per payment) R4.00 Account Payments Notifications R0.70 SMS R1.10 Fax R5.00 Cheque Books 40 Form R Form R Deposit Books 100 Pages (Non-MICR) R Pages (MICR Encoded) R30.50 Subscription fees Online Banking, FNB Telephone Banking, incontact-pro Schedule Payment Alert fee (per month) R3.00 Balance alerts (per month) Daily R15.00 Weekly R3.00 Monthly R0.95 Cash Withdrawals Cash@Till - Point of Sale FNB Slimline ATM (Withdrawal limits may apply) R R0.55 per Electronic third party payments (FNB ATM, Online Banking-No role separation, Telephone Banking- IVR and Speech) Max R8.95 Other Banks Mini-ATM R R0.85 per Internal Debit orders (Debit orders raised by FNB Card, FNB Homeloans, WesBank, FNB Loans, FNB Funeral Cover) R4.00 FNB ATM R R1.35 per External Debit orders R16.75 Cheque payments R75.00 Consultant assisted third party payments (Branch and Telephone Banking) R35.00 Issue of bank cheques (per cheque) R80.00 Express Clearing Payments (Online Banking and FNB Branch, Participating banks only) R40.00 Scheduled Payments Scheduled Payment establishment/amendment fee (Online Banking) Scheduled Payment establishment fee (FNB Branch) R11.50 Scheduled Payment amendment fee (FNB Branch) R11.50 Stop payment instructions Online Banking R5.00 Telephone R15.00 Branch R43.00 R R1.35 per Other Bank s ATM Cheque service fee FNB Branch and Bulk (Minimum of R40.00) plus cash handling fee International ATM Cash withdrawal** R35.00 Cash handling fee at FNB branch Value per withdrawal R2.42 per R100 R0 - R R1.86 per R100 R R R1.54 per R100 R R R1.43 per R100 R and greater **International Commission and Conversion fee of 2.75% of the transaction value applies. **International Commission and Conversion fee of 2.75% of the transaction value applies

7 Transaction Description International Point of Sale balance enquiries R2.50 Deposits Cheque deposit at branch (per deposit) R25.00 Special clearance R90.00 Transaction Description Statements Monthly statement (Collected at branch) Referenced deposit transactional fee¹ (If availed of) Surplus or shortage in deposit (Incident fee) R Over the counter: Partial or full validation R4.15 Electronic Reference Validation (FNB Customers Only) R1.76 Cash deposit² FNB ATM Advance R R0.76 per Cash deposit fee at FNB Branch Value per deposit R0 - R R R2.42 per R R R R1.42 per R R R R1.33 per R and greater R R1.12 per Cash Deposit at FNB Bulk Cash Depots Value per deposit R0 - R R R2.23 per R R R R1.59 per R R R R1.32 per R or greater R R0.99 per Credit Related fees (NCA clients only) Monthly Credit fee R57.00 Monthly Incidental Credit fee R57.00 Other fees Inward Unpaid fee R95.00 Cheque book courier fee Balance Enquiries FNB ATM ing of current month statement (plus optional Workable Data Files) Monthly posted statement R13.00 Mini Statements (FNB ATM) R3.00 ing of historical statements (older than 2 months, per statement) R6.00 Provisional statement (Branch and Telephone Banking, per page) R13.00 Additional statements ( per month) Paper based Daily R91.00 Weekly R37.00 Twice Monthly R18.50 Online Daily R46.00 Weekly R21.00 Twice Monthly R11.50 Penalty s FNB Declined Transaction fee (Insufficient funds or daily limit exceeded) Other FNB declined transaction fee (local and international) R7.50 Other Banks ATM Declined transaction fee (Insufficient funds or daily limit exceeded) R7.50 Honouring fee (Charge per item paid in excess of credit limit, increasing to R per item for the fourth and subsequent R items within 12 months) Unpaid cheques and/or debit orders (Charge per item increasing to R per item for the fourth and subsequent items within R months) Card and other related fees Visa Electron Debit card replacement R95.00 Visa Cheque Card/ Chip and PIN Card replacement R95.00 Monthly Platinum card fee Voucher retention R45.00 Monthly petrol card fees R14.50 Point of Sale (Business Visa Electron debit card only) R1.40 Branch and Telephone Banking (Consultant assisted) R4.20 Other Banks ATM R4.20 ¹Please consult your Relationship manager for more information regarding applicable fees. ²FNB Business reserves the right to review your cash deposit fees at any time during the period covered by this guide

8 ewallet Pro s Tier A Volume 0 Sponsored Transactions 1 Sponsored Transactions 2 Sponsored Transactions 6 Business Investment Accounts R8.00 R15.00 R R7.50 R14.00 R R6.50 R13.00 R R5.50 R12.00 R R5.00 R11.00 R17.00 At FNB, we understand the passion, dedication and hard work you put into making your business a success. That is why we offer you a range of investment solutions to grow capital for your business future. How to calculate your ewallet Pro fees Pricing is determined on a tiered basis. The rate per transaction is dependent on the number of transactions per month. For example, if you do 153 transactions on a 1 Sponsored contract in a month, your fees will be 153 x R Clients making large numbers of transactions will enjoy significant discounts as their volumes increase. Access your money immediately These investment accounts are suited to customers who require immediate access to their money while still having the flexibility to add funds at any time. Business Super Save A basic savings account. Paypal commission Refer to for additional PayPal fees. 1.5% of rand value Call Account A traditional investment account from R Islamic Account Money Market Investor A Money Market account with NO monthly fee. Money Market Transactor A Money Market account with transactional capabilities via a Visa Debit Card. This account offers similar features and pricing to the Business Account. The main differences are: Juristic entities and sole proprietors must have a minimum balance of R750 in their account. NO debit or credit interest. NO overdraft facilities. Access your money after placing notice Notice Deposits require notice on the account before funds can be accessed. MyNotice Deposit Choose your own notice period. Access up to 100% with 45 days notice at NO cost, or access up to 100% with 1 44 days notice at a cost. 7 Day Notice Deposit Access your money with 7 days notice and benefit from two interest rate increases after 32 and 64 days. 32 Day Interest Plus Access your money with 32 days notice and benefit from two interest rate increases after 32 and 64 days

9 Access a portion of your money Flexi Fixed Deposit A fixed investment term of either 3 or 12 months, where you get access, within 24 hours, to a portion of your money. Access after a fixed period Get a fixed investment term and fixed interest rate, with higher returns. Fixed Deposit An investment account fixed for a period, typically giving you a higher interest rate than investments available overnight or on notice. Effective Rate Fixed Deposit A Fixed Deposit, earning you a rate where interest on interest is built into the rate. Money Market Transactor Pricing Monthly fees Money Market Transactor This includes: Monthly Debit Card fee and Lost Card Protection R47.50 Business Petrol Card fee (linked to account) R14.50 Purchases Prepaid purchases FNB electronic channels only R1.10 At other banks ATM R8.50 FNB Telephone Banking (consultant assisted) R11.00 Card purchases FNB Business (local and international) R3.30 Business Petrol Card purchases R4.75 Payments and transfers Linked account transfers Electronic transfers R4.00 Consultant assisted transfers (Branch and Telephone Banking) R43.00 Payments Monthly fees Scheduled payments Scheduled payment establishment/amendment fees (Online Banking) Scheduled payment establishment fees (FNB branch) R11.50 Scheduled payment amendment fees (FNB branch) R11.50 Stop payment instructions Online Banking, Cellphone Banking, FNB Business Banking App R5.00 Telephone Banking R15.00 Branch R43.00 Beneficiary notification for payments R0.70 SMS R1.10 Fax R5.00 Cash withdrawals Cashback at POS (Electron Debit Card only) FNB Mini-ATM R R0.55 per Other banks Mini-ATM R R0.85 per FNB ATM R R1.35 per Other banks ATM R R1.35 per Cheque service fee FNB branch (Minimum R40.00) plus cash handling fee Cash handling fee R0.00 R R2.42 per R100 or part thereof R R R1.86 per R100 or part thereof R R R1.54 per R100 or part thereof > R R1.43 per R100 or part thereof International ATM (International Commission and conversion fee of 2.75% of the transaction value applies). R35.00 International branch: Cash (International Commission and conversion fee of 2.75% of the transaction value applies). R R1.60 per. Electronic third party payments R13.25 Internal debit orders R4.00 External debit orders R22.00 Cheque payments R75.00 Consultant assisted third party payments (Branch and Telephone Banking) R43.00 Issue of bank cheques (per cheque) R

10 Other account-related fees applicable irrespective of pricing option or product selected Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking for Business, incontact-pro Scheduled Payment Alert R3.00 My Limit Alert R3.00 Cheque books 40 form R45.00 Balance enquiries FNB ATM and Telephone Banking (IVR) POS (FNB Commercial Visa Electron full function Debit Cards only) R1.40 Branch and Telephone Banking (consultant assisted) R4.20 International/other banks ATM R4.20 International POS balance enquiries R2.50 Statements Monthly posted statement R13.00 Current month statement First official monthly statement if collected at an FNB branch Mini statement (FNB ATM) R3.00 ing of historical statements (older than 3 months) R6.00 Provisional statement (branch and Telephone Banking) R13.00 per page Additional statements (fee per month) Paper Online Daily R91.00 R46.00 Weekly R37.00 R21.00 Bi-monthly R18.50 R11.50 Other fees Inward unpaid fee R95.00 ENC Upliftment fee 1% of Value (min R500, Max R5000) Unpaid cheques/debit orders (per item) R Honouring fee R Declined transactions FNB ATM Other bank s ATM R7.50 Other FNB (POS, scheduled payment, AEDO, NAEDO) R7.50 Card replacement fee Visa Electron Debit Card R FNB Business Petrol Card, Visa Cheque Card/Chip & PIN Card R Call Account and money market investor pricing Product Call Account Money Market Investor Monthly account fee, minimum balance R Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking for Business, incontact-pro Balance enquiries FNB ATM, Telephone Banking (IVR), Branch and Telephone Banking (consultant assisted) Linked account transfers Electronic transfers R4.00 R4.00 Consultant assisted transfers (Branch and Telephone Banking) R43.00 R43.00 Payments Electronic third party payments R12.50 R20.00 Consultant assisted third party payments (Branch and Telephone Banking) R43.00 R43.00 Cash withdrawals FNB branch R1.35 per R100 or part thereof, Min R38.00 R1.35 per R100 or part thereof, Min R38.00 Deposits Cheques Cheques deposited at FNB branch or FNB ATM Advance R25.00 R25.00 Cash FNB ATM Advance and FNB ATM with envelope deposit R3.75 plus R0.76 per R3.75 plus R0.76 per R100 or part thereo FNB branch R8.40 plus R8.40 plus R0.00 R R R R R > R FNB Bulk Cash Deposits and SBV Cash Service Centres R2.42 per R100 or part thereo R1.42 per R100 R1.33 per R100 R1.12 per R100 R5.00 plus negotiated fee per R100 R2.42 per R100 R1.42 per R100 R1.33 per R100 or part thereof R1.12 per R100 R5.00 plus negotiated fee per R100 Statements Mini statements (FNB ATM and Cellphone Banking for Business) R3.00 R3.00 ing of historical statements (older than 3 months) per statement R6.00 R6.00 Transaction history/detailed balance enquiry Online Banking Provisional statement (branch and Telephone Banking) R13.00 per page R13.00 per page Other fees Inward unpaid fee R95.00 R95.00 ENC Upliftment fee (for cheque deposited) 1% of Value (Min R500, Max R5000) 1% of Value (Min R500, Max R5000) Special clearance (for cheque deposited) R90.00 R

11 Notice and fixed deposit pricing 7 Business Super Save Product Monthly account fee Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking for Business, incontact-pro Balance enquiries FNB ATM, Telephone Banking (IVR), branch and Telephone Banking (consultant assisted Instructions Electronic transfers as per notice period As per terms and conditions Third party payments as per notice period As per terms and conditions Interest payments Deposits and withdrawals Cash withdrawals As per terms and conditions Deposits (cheques and cash all channels) Statements ing of historical statements (older than 3 months) per statement Transaction history/ detailed balance enquiry Online Banking Not allowed For a minimal monthly fee, you receive the following with our simple savings account: 10 transactions per month if you have a balance of at least R8 000 in your Business Super Save account throughout the month. These transactions do not include cash deposits, cheque deposits, cash handling fees, special instructions or penalty fees. balance enquiries via Online Banking, ATMs, Cellphone Banking and the FNB s Business Banking App. Monthly fees Monthly fee R5.00 Subscription fees (per month) Balance enquiry via FNB branch and Telephone Banking (consultant assisted) R4.20 Deposits and withdrawals Cheque deposit FNB branch and FNB ATM Advance (per cheque) R25.00 Cash deposit at FNB branch R5.50 plus R1.28 per R Cash withdrawal at FNB branch R17.50 plus R1.52 per R Lost book fee R22.00 FNB reserves the right to charge manual fees in the event of inappropriate use. MyNotice Deposit Withdrawal Costs (Terms and Conditions apply) Notice Period (in days) Withdrawal cost = % of withdrawal amount Minimum withdrawal cost applicable 45 days days 0.5% R days 1.0% R days 1.5% R days 2.0% R days 2.5% R

12 8 Online Banking With this option, you pay NO monthly access fee and the first two users are. FNB Online Banking Enterprise TM Role Separation Pricing R42.00 per user for the next 10 users (3 12 users). R29.50 per user for each subsequent user (more than 12 users). Online Banking Enterprise TM is an Internet-based, sophisticated electronic banking solution designed to meet the needs of small, medium and large businesses. You can use Online Banking Enterprise TM for services such as: FNB Online Banking Enterprise TM Role Separation Dual administration of Online Banking Enterprise TM user profiles. Segregation of duties for users, customised per requirement. Permit 1 to 9 signatories to authorise financial transactions. Post-dating payments up to 12 months in advance. Real-time payments to FNB-banked recipients. Same-day value for payments to all banks if authorised within cut-off times. Collections offering same-day, 2-day or NAEDO service types. Referencing for all transactions to recipients. Remittance advice sent by fax, SMS or . Pay-today (near real-time) payments to recipients at participating banks. Account ownership verification for recipients at participating banks. Full statement functionality offering multiple formats and delivery options. Sixty days transaction history on FNB accounts. Multiple levels of access and authorisation you can restrict or allow access on selected FNB accounts. Digital certificates to enhance security of your Online Banking Enterprise TM profile. Comprehensive audit trails to monitor user activity. Interface with SARS efiling. Online Banking Enterprise TM can bill you for transactions at account level or to a nominated billing account within your profile. Discounts financial and non-financial transactions based on volumes processed, enabling cost efficiencies. Discounts depend on how many transactions you do. Electronic third party payments transaction volume table Financial transaction volumes electronic third party payments (FNB ATM, scheduled payments, Telephone Banking (IVR) and Pricing per transaction (VAT incl.) Cellphone Banking Up to and including 100 R up to 250 R up to 1000 R up to R4.15 Greater than R2.85 How to calculate your fees: You will be charged R8.95 per transaction for the first 100 transactions, R7.35 per transaction for the next 150 transactions, R5.20 per transaction for the subsequent 750 transactions and so forth. For example, if you do 153 transactions in a month your calculation will be the sum of R8.95 X 100 plus R7.35 X 53. Clients making large numbers of transactions will enjoy significant discounts as their volumes increase. Transfers Electronic transfers R4.00 Pay & Clear Now (Online Banking and FNB branch participating banks only Payments under R5-million R60.00 Payments over R5-million R48.50 Payments under R5-million (Online Banking and FNB branch) (RTC participants) 1 R When available Only for RTC participants - ABSA, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank. Enquiry non-financials transactional history enquiries, scheduled exports of transaction history, restoring of archived/deleted batches, stop cheque enquiries, transaction detail search, and search recipients payment history Transaction volumes per month Pricing per transaction* (VAT incl.) Up to and including 30 Greater than 30 R *These fees are charged per transaction per band.

13 How to calculate your fees: Your first 30 transactions will be. Thereafter, you will be charged R1.21 per transaction. For example, if you do 1153 transactions in a month your calculation will be the sum of R0.00 X 30 plus R1.21 X Other transaction fees payable Monthly fees Collections modular fee R Delivery mechanism of selected data by FTP or Xcom R Cash management Cash management fee R Cash management reports per scheduled export R14.45 Notification of cash management structure change by SMS R1.10 Notification of cash management structure change by R0.70 Target balancing transfer Service fee Statements Current monthly statements per account by Historical statements per account by (last 3 statements online) R6.00 Scheduled exports of interim and final statements per account per month 15 minutes R Hourly R97.00 Daily R46.00 Weekly R21.00 Bi-weekly R11.50 Once-off set-up fee Set-up fee R Support and training fees User training On-site an client offices R Charge per km R3.40 Support fee (per client request only) Charge per hour R Charge per km R3.40 Data storage Transaction history/statements, storage of transfers, unnominated, nominated payments and collection batches 60 days 90 days R days R days (Only applicable for statements and transaction history) R days (Only applicable for statements and transaction history) R Other non-financial transactions Batch Authorisation Alert by SMS R1.10 Batch Authorisation Alert by R0.70 Payment notification by SMS R1.10 Payment notification by R0.70 Scheduled Payment Alert by R0.70 Payment notification by fax R5.00 Account Verification batch R3.10 Account Verification real-time R4.35 Account Verification notification by SMS R1.10 Account Verification notification by R0.70 Other fees Reversal of processed EFT (successful or unsuccessful) R Query of a disputed item R Query fee per transaction older than 3 months R94.00 Stop payment instruction R5.00 Deletion of stop payment for cheques R6.65 Cheque image per cheque Export of archived billing report (current month ) R6.65 Download of detailed user report R6.65 Import of user permissions R14.45 Accession document completion for additional account: linking existing profile per entry R Recipient maintenance done by Online Banking client support (adding, maintaining, deleting) Per recipient R26.45 File upload R Personal security key token/s issued per token(excl. delivery) R Personal security key certificate per issue R70.00 Personal security key annual certificate renewal fee R70.00 Initiation of settlement limit changes per request R Client set-up Initial hierarchy set-up R Hierarchy maintenance done by Online Banking client support Special once-off client set-up request R Subsequent hierarchy maintenance per request R Profile maintenance done by Online Banking client support First 5 users per user R14.45 Next 10 users (6 15) per user R20.00 Next 15 users(16 30) per user R31.00 Each subsequent users (>30) per user R

14 FNB Online Banking - No Role Seperation How to calculate your fees: One Time PIN to enhance security to Online Banking. Up to five users with customised permissions to specific accounts. Set-up and maintenance of payment recipients online. Recurring payments to automatically pay recipients. Post-dating payments up to 12 months in advance. Real-time payments to FNB-banked recipients. Express clearing (real-time) to recipients at Standard Bank, Absa and Capitec. Same-day value for payments to all banks if authorised within cut-off times. Referencing for all transactions to recipients. Remittance advice sent by fax, SMS or . Sixty days transaction history on FNB acounts. Share investing Online. Purchase of prepaid airtime and electricity. Interface with SARS efiling. My Balance Alert and My Limit Alert via SMS. Manage your overdraft facility. FNB Online Banking - No Role Seperation It s a simple, convenient and secure way of doing your banking, and your subscription to Online Banking is. This option caters for up to five users with customised permissions to specific accounts. You will be charged R8.95 per transaction for the first 100 transactions, R7.35 per transaction for the next 150 transactions, R5.20 per transaction for the subsequent 750 transactions and so forth. For example, if you do 153 transactions in a month your calculation will be the sum of R8.95 X 100 plus R7.35 X 53. Clients making large numbers of transactions will enjoy significant discounts as their volumes increase. Transfers Electronic transfers R4.00 Pay & Clear Now (Online Banking and FNB branch - participating banks only) Payments under R5-million R60.00 Payments over R5-million R48.50 Payments under R5-million (Online Banking and FNB branch) R40.00 (RTC participants) 1 Statements ing of current month statement (plus optional workable data files) Transactional history/detailed balance enquiry Online Banking Historical statements per account by (last 3 statements online) R6.00 Stop payment instructions Online Banking R5.00 Beneficiary notification for payments R0.70 SMS R1.10 Fax R5.00 Electronic third party payments transaction volume table Financial transaction volumes - electronic third party payments (FNB ATM, scheduled payments, Telephone Pricing per transaction (VAT incl.) Banking (IVR) and Cellphone Banking) Up to and including 100 R up to 250 R up to 1000 R up to R4.15 Greater than R2.85 1Standard Bank, Absa and Capitec only

15 9 Foreign exchange and trade Our foreign exchange and trade solutions can help you strengthen your position and handle the challenges of international trade. Our world-class systems and relationships with banks around the globe mean we can help you with any kind of international transaction. With these solutions, you can bank easily and conveniently when doing international trade. More convenience and rewards Earn 15% back in ebucks on the transaction charges when sending or receiving foreign currency online. Earn 25% back in ebucks on the transaction charges when you give us permission to convert the regular foreign currency payments you receive on your behalf. Foreign exchange payments received Inward payments Commission (minimum R150.00, maximum R735.00) 0.5% of Rand value Additional fee for payments received in South African Rand R Foreign exchange payments made Outward payments Commission (minimum R150.00, maximum R735.00) 0.5% of Rand value Draft fee R Additional fee for payments made in South African Rand R Travel products and foreign notes Purchase of foreign notes and travellers cheques Travellers cheques commission* (minimum R105.00) 2.0% of Rand value Foreign notes commission* (minimum R70.00) 2.0% of Rand value LSL, NAD, SZL notes commission* (minimum R90.00) 3.0% of Rand value Cash Passport Initial card fee R Commission* (minimum R70.00) 1.95% of Rand value Delivery fee (applicable to travellers cheques and notes as well) R Clients selling branches Encashment of travellers cheques American Express commission* (minimum R0.00) Other brand s commission* (minimum R105.00) 2.0% of Rand value Encashment of foreign notes commission* (minimum R70.00) 2.0% of Rand value Encashment of LSL,NAD,SZL notes commission* (minimum R90.00) 3.0% of Rand value if credited Encashment of Cash Passport commission* (minimum R0.00) to an FNB transactional account) Other products and services Forward exchange contracts Establishment R Drawdown per drawdown R Cancellation R Extension R Client Foreign Currency Accounts Withdrawal conversion to South African Rand R Deposit conversion to South African Rand R95.00 Credit interest rate LIBID Less Enquire Debit interest rate LIBOR Plus Enquire Withdrawal or deposit using another Forex product Charges levied as per Forex product used. Enquire exchange control applications Minimum fee: Written/ (per application) R Special request or follow-up discretionary admin fee R75.00 Trade services Guarantees, Foreign Bills, Letters of Credit and other trade services Please contact your Commercial Banker/Business Banker Drafts Outward payments Commission (minimum R210.00, maximum R915.00) 1.0% of Rand value Electronic (SWIFT) R *Charges may change during the year without notice. Other charges for our wide range of foreign exchange products are available from your Commercial Banker or Business Banker. Bills negotiable Commission (minimum R210.00, maximum R946.00) 1.0% of Rand value 27 28

16 10 Commercial (Business) Credit Card Electronic funds transfers (per month) Third party payments (including IVR Smart payments) R7.00 Inter-account transfers R3.50 Transfers and payments at branch R43.00 Telephone Banking Consultant Assisted R35.00 A Commercial (Business) Credit Card gives low-cost and flexible access to credit. It is a fast and simple way of making payments and helps you manage your expenses. Deposits 1.51% of transactional FNB branch or FNB ATM with envelope deposit value (Minimum R43.00) Deposit at ATM Advance 0.74% of transactional value (Minimum R5.50) Cheque deposit fee (per deposit) R20.00 Commercial (Business) Credit Card fees (per month) Platinum R67.00 Gold and Lodge R34.50 Credit R29.50 Linked Petro Card R21.00 Commercial (Business) Credit Card value-added services* (per transaction) Comprehensive Global Travel Insurance Lost Card Protection incontact-pro (SMS and ) AA Emergency Roadside Assistance (Linked Petro Card only) Cellphone Banking (subscriptions) Cash withdrawals FNB ATM Other banks ATM FNB Mini ATM Other banks Mini-ATM FNB Branch International withdrawals (Branch and ATM) R6.70 per R500 or part thereof R FNB ATM fee R4.00 per R or part thereof R4.00 per R500 or part thereof R % of transactional value R % of transactional value *Terms and conditions apply. Card fees are not negotiable. *This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. Cellphone Banking (per transaction) Balance enquiry fee Single account R0.50 Balance enquiry fee All accounts R1.25 Account fees FNB ATM enquiry Online Banking except payments Changes to account limits Branch balance enquiry Other banks ATM balance enquiry International balance enquiry Issue of bank cheques (per cheque) R80.00 Credit limit fee (per month) Clients with cheque or transactional accounts with FNB 0.25% p.m. of total limit Clients without cheque or transactional accounts with FNB 0.40% p.m. of total limit Voucher retrieval (per transaction) Local R70.00 International R Other fees Declined authorisation fee R7.50 Prepaid transaction fee (FNB ATM, Cellphone, Online and Telephone Banking) R2.00 Lotto/PowerBall purchase R2.00 Card replacement fee R Card delivery to nearest FNB branch Fast-track card replacement fee (per card) R Personal card delivery fee R Statement fees Current monthly statement ( or post) Historical statements Paper (per statement) FNB branch statement (print) R5.00 per request and R1.00 per page thereafter Maximum R50.00 R5.00 per request and R1.00 per page thereafter Maximum Payments and purchases (per annum) FNB Mini-ATM statement (view or print) Credit Card purchases (local) Personal statement delivery R Fuel transaction fee (Linked Petro Card only) R4.75 Dual statement ( and posted) R21.50 International currency commission and conversion fee 2.75% of Dual statement (personal delivery and ) R transactional value R50.00

17 11 Important information A Commercial (Business) Credit Card gives low-cost and flexible access to credit. It is a fast and simple way of making payments and helps you manage your expenses. Please remember the following points when deciding which of our solutions best suit your needs: FirstRand Bank Ltd. reserves the right to change pricing and package pricing from time to time with reasonable notice, giving at least 20 business days notice of these changes. 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 normal credit criteria for that facility or product. Each facility or product has the normal 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 brochure, we will follow the normal terms and conditions that apply to such product or facility. FNB reserves the right to change at any time the features of any product or facility. Standard terminology For more information on our solutions, please read the business segment brochures and product-specific brochures. Alternatively, contact your Business Banker at your nearest FNB branch. Should you require further information on FNB Credit Card products or services, please contact the FNB Business Credit card helpdesk on To assist you in comparing our charges with those of other banks, we have used standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below indicating the appropriate standardised terminology that may be used by other banks. FNB term (as used in guide) FNB Business Debit Card purchase Visa Electron Debit Card purchase Visa Cheque Card purchase Scheduled payment Scheduled transfer Standard terminology Card transaction Card transaction Card transaction Stop order to third party Stop order to one of my own accounts at the same bank 31 32