Earn up to 15% back in ebucks on your Gold Account.

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1 Gold Earn more ebucks. Earn up to 15% back in ebucks on your Gold Account. FNB Gold Accounts are designed around you, giving you easy access to your cash and helping you to better manage your money.

2 How works BANK BETTER MEET SIMPLE REQUIREMENTS HIGHER REWARD LEVEL ME REWARDS STEP 1 STEP 2 STEP 3 STEP 4 Qualify a Earn Spend reward level You ll need to meet the qualifying requirements that are specific to your FNB Gold Account(s). Once you ve qualified, you can start moving up the reward levels. There are seven reward level groups. For each requirement you meet from a different reward level group, you ll move up. Once you ve qualified and your reward level has been determined, you ll be ready to earn ebucks. Spend ebucks and get discounts according to your reward level. R1 = eb10

3 Before you can start earning ebucks, you must first meet the qualifying requirements. To get going, you must: 1 Have one of the following FNB accounts Have a minimum deposit one of the following Monthly deposit 3-Month deposits Monthly balance FNB Gold Cheque Account R FNB Islamic Gold Cheque Account R FNB Gold Graduate Account R FNB Encore Gold Cheque Account R2 000 R FNB Cash Investment Account (for FNB Encore Gold customers only) - - R Make sure that ALL your FirstRand Bank accounts are active and in good standing. 3 Log in to any one of FNB s electronic banking channels at least once a month using your own banking profile. FNB s electronic banking channels are: FNB Banking App Online Banking Cellphone Banking Things to remember: These requirements may change from time to time. We ll let you know when they do. If you stop meeting any one of these requirements at any time, you won t qualify for. You ll no longer qualify for if you only have an FNB Gold Credit Card. You must have one of the accounts listed in point 1 above meet the minimum deposit/balance requirements in order to qualify. An account that s active means that there s regular activity on the account or that the account is still being used for its original intended purpose. An account that s in good standing means it isn t overdrawn, in arrears or in default, you haven t missed a premium, and you aren t undergoing sequestration, business rescue, or collection or liquidation proceedings (excluding debt review proceedings). This applies to all FirstRand Bank accounts, including FNB, Ashburton and WesBank accounts.

4 After you ve qualified, you can start moving up the reward levels. Reward levels There are five reward levels. It s easy to move up the reward levels and earn more ebucks: For each additional requirement you meet from a different reward level group, you ll move up. Your reward level is reviewed around the 8 th of each month. You can also check your reward level using the nifty Calculator. Remember: You only need to meet one requirement from each reward level group to move up. Reward level group Reward level requirements Digital banking Complete at least two financial transactions* a month using the FNB Banking App Spend at least R200 on your FNB Connect SIM card each month Your spend must be over and above any FNB Connect device payments. My Cheque Account Make sure that the total value of your card purchases and Cash@Till withdrawals is greater than the value of all your cash withdrawals at ATMs and FNB branches during the month ALL card purchases and cash withdrawals (Cash@Till and ATM/FNB branch withdrawals) made using your FNB Gold Credit Card and FNB Gold Cheque Card will be considered for this requirement. Have at least three debit orders going off from your FNB Gold Cheque Account during the month

5 Reward level group Reward level requirements My Credit Card Spend at least R2 500 on your FNB Gold Credit Card each month Spend at least R750 online using your FNB Gold Credit Card each month Save Family and insurance Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account****, FNB Gold Cheque Account or FNB Fixed Deposit Account if you have an FNB Linked Savings Pocket, Savings Account or FNB Gold Cheque Account, you ll need to maintain a monthly balance of atleast R5000. If you have an FNB Fixed Deposit Account, you ll need to maintain a monthly balance of R Have an FNB Life Cover Policy with cover of at least R Pay the premiums for your FNB Life Cover Policy from your FNB Gold Cheque Account each month Qualifying FNB Life Cover Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover. All qualifying policies will count towards the minimum cover amount. Have an FNB Funeral Policy with at least two lives assured Have total cover of at least R across all the lives assured Pay the premiums for your FNB Funeral Policy from your FNB Gold Cheque Account each month Children won t count towards the required two lives assured. Borrow** Have an Overdraft facility on your FNB Gold Cheque Account and use at least R1 000 of the facility each month Have an FNB Personal Loan to the value of at least R10 000, which you repay via a debit order from your FNB Gold Cheque Account each month

6 Reward level group Reward level requirements Home and car Have an FNB Home Loan or an FNB Smart Bond with an outstanding balance of at least R Have a Flexi Facility on your FNB Home Loan or FNB Smart Bond Make your monthly FNB Home Loan or FNB Smart Bond repayment with a salary stop order or a debit order set up from your FNB Gold Cheque Account Have an active*** FNB Vehicle Finance or WesBank Account Have your vehicle loaded on nav» Car Make your monthly Vehicle Finance repayment with a debit order set up from any FNB Cheque Account nav» Car can be accessed on the FNB Banking App simply click on the nav» Car icon on the App home page and log in when prompted. VW, Audi and TFS Accounts won t qualify for this requirement. * Qualifying financial transactions include payments, transfers and purchases, but exclude inter-account transfers, debit orders, deposits and the viewing of accounts. ** Qualifying FNB Islamic Banking customers will automatically get the benefit of moving up for the Borrow reward level group as these customers are not eligible for Overdrafts or Personal Loans. *** An account that s active means that there s regular activity on the account or that the account is still being used for its original intended purpose. **** This is a standalone savings account product and not a product group. While there are seven different groups, each giving you two unique opportunities to level up, reward level 5 is still the highest level that can be reached. Keep in mind that you can meet more than one requirement from any of the groups, but requirements from the same group will be counted towards a single reward level. If you stop meeting any of the requirements in the above table at any time, you might stop earning ebucks for that period or earn fewer ebucks as a result of dropping. Remember: Your reward level also determines the percentage discount that you qualify for.

7 according to your reward level Once you ve qualified and your reward level has been determined you ll be ready to earn ebucks. Earn up to Earn up to Earn up to Earn up to Earn up to Earn up to 1.5% 15% 15% 15% 50% 15% whenever you use your FNB Gold Credit Card on general purchases. on your FNB Connect contracts and prepaid airtime. on your Uber rides or when you fill up with fuel at any fuel station. when you shop at Checkers & Shoprite. on transaction charges and standing instruction fees when you send or receive foreign currency through FNB Forex. on your qualifying FNB Life Policy The table below shows the different reward rates. This is the percentage of your qualifying purchases that you earn according to your reward level. FNB Gold Credit Card or Cheque Account Reward rates 1 Credit Card purchases 0.3% 0.5% 0.7% 1% 1.5% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% Fuel and Uber 1% 2.5% 5% 7.5% 15% FNB Connect contracts and prepaid airtime 1% 2.5% 5% 7.5% 15% FNB Life 1% 2.5% 5% 7.5% 15% FNB Forex 5% 10% 20% 30% 50%

8 Once you ve been earning ebucks, you ll be able to get spending. When it comes to deciding where and how to spend your ebucks, you ll be completely spoilt for choice. ebucks Travel Book flights, accommodation and car rental for both local and international trips. ebucks Shop Our convenient online shop offers everything from electronics and home appliances to kids stuff, gifts and vouchers, and so much more. ebucks Partners Choose from a wide variety of shops, online shopping sites, as well as services and subscriptions. You can also use your ebucks to fill up with fuel at participating Engen service stations. FNB Electronic Channels Use your Smart Device or go online to buy prepaid airtime, prepaid electricity and data using your ebucks. You can also purchase vouchers on the FNB Banking App. For more information, visit.

9 Your reward level also determines the percentage discount you qualify for when purchasing selected items in the ebucks Shop or when booking selected flights and domestic Avis car rental online through ebucks Travel. Reward levels ebucks Discounts 5% 10% 20% 30% 40% Terms, conditions and rules apply. Discounts on flights exclude all taxes. Rewards are allocated around the 8th of each month based on your banking behaviour in the previous calendar month. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).