Connect. Product Pricing and Reward Guide July 2017

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1 Connect Product Pricing and Reward Guide July 2017 New rewards will be available effective from 1 July 2017 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). V

2 Why Connect? Connect from FNB is our innovative cellular offering that lets you manage your cellular spend as easily as you manage your banking. Choose a SIM and/or a device that suits your individual needs. Rewards* Flexibility Control Spend at least R200 every month on FNB Connect to move up a reward level* AND/ OR Up to 15% back in ebucks on your SIM spend. Choose from a range of packages from Prepaid to Postpaid. Connect Flexi is our flagship product and allows you to change your voice, data and SMS bundles monthly. Manage your cellular spend on all your SIMs easily on FNB s Digital channels as you do your banking and have complete control of your monthly usage. Click to see your SIMs all of them Click to decide: device or no device My SIM Cards My Accounts My Cards My SIM Cards Installment p.m. ZAR Installment p.m. ZAR Contract Name Airtime Voice SMS Data Celeste s Phone 2781***4423 Liam s iphone 2761*** MIN 50 SMS MB Top Up - 57 MIN 159 SMS MB Top Up Mika s Phone MIN 100 SMS MB Top Up 2761***3249 Add a SIM Card - you can port here Create your own Bundle 100SMS ZAR R35.00 Change Remove Apple iphone 6 Plus 16GB Bundle 50MB ZAR R15.00 Bundle 100MIN ZAR R90.00 See and manage all your SIMs from one central place, just like you do with your bank accounts. Choose any device on any package, and keep track of your device repayments like you do with your bank loans. Never run out of airtime or data again Add Auto Top Up Top up when I reach A Date Voucher Type Airtime How much? (recharge amount) 7.00 An Amount Please note This top up will take effect as soon as your airtime reaches R5.00 Maximum Limit Auto Top Up automatically tops you up with airtime and data when you re running low - to a chosen amount, and you can set a monthly limit. Click to create your own Flexi package and adjust it monthly Connect Flexi Month to Month You decide how much you want VOICE MIN 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN DATA 1GB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS SMS 100SMS 150SMS 250SMS 400SMS 600SMS Adjust your voice, data and SMS bundles from month to month, as your needs change. Click to avoid bill shock, forever Click to manage your SIMs like you manage your bank accounts FNB Connect Settings Transaction History My SIM Connect ***1304 Nickname CONNECT 200 SIM Status Active Active 08 Oct :34:08 08 Oct :34:08 DATA FNB INTERNET 0.08 MB 0.00 DATA FNB INTERNET 0.35 MB 0.00 Subscription Type SIM Management Contract 08 Oct :34:08 INTERNATIONAL VOICE :00: View PUK View Order Replacement SIM Order SIM Swap Swap View your balances and real time transaction history, at any time, at no extra cost, just like you do with your bank statements. View your PUK number, block or unblock a SIM, order replacement SIMs or do a SIM swap. *Subject to your account type and reward level

3 Package options Which package is for me? Unlimited Voice Unlimited Voice Calls to any network in South Africa Flexi Voice Month to month package no strings attached Build your own voice, data and SMS package Change your voice, data and SMS bundles monthly VOICE DATA MIN 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN 1GB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS SMS 100SMS 150SMS 250SMS 400SMS 600SMS Flexi Data Month to month package no strings attached Build your own data package Change your data bundle monthly VOICE 0 30MIN 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN DATA 500MB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS 0 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS Top Up Voice Month to month voice package no strings attached Choose from our Top Up 30, 50 and 100 packages that comes with pre-selected voice, data and SMS Limit your spend plus have the flexibility to top up when needed Top Up Data Month to month data package no strings attached Choose from our Top Up 500MB,1GB, 2GB and 5GB packages that comes with pre-selected data Limit your spend plus have the flexibility to top up when needed Prepaid Top up with airtime, data or SMS bundles as you need through FNB s Digital Channels anytime anywhere Set up Auto Top Up and never run out of airtime while on a call

4 Unlimited Voice How to build your Voice package. You get: You choose: + Connect SIM Unlimited voice calls to national numbers*. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels NOTE: *Unlimited voice is subject to a fair usage policy.

5 Package Connect Unlimited Voice (Postpaid) Connect Unlimited Voice Top Up Price R399 R399 GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Optional Recurring Data Bundles (For Unlimited Voice (Postpaid) customers only) Bundle Price ebucks Reward Level 50 MB R 15,00 R 14,85 R 14,63 R 14,25 R 13,88 R 12, MB R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23, MB R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29,75 1 GB R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55,25 2 GB R 95,00 R 94,05 R 92,63 R 90,25 R 87,88 R 80,75 5 GB R 245,00 R 242,55 R 238,88 R 232,75 R 226,63 R 208,25 10 GB R 465,00 R 460,35 R 453,38 R 441,75 R 430,13 R 395,25 20 GB R 925,00 R 915,75 R 901,88 R 878,75 R 855,63 R 786,25 50 GB R 2 199,00 R 2 189,00 R 2 174,00 R 2 149,00 R 2 124,00 R 2 049,00 Out-of-Bundle Rate Out-of- Bundle Rate Price ebucks Reward Level Data (per MB) R 1,00 R 0,99 R 0,98 R 0,95 R 0,93 R 0,85 SMS (per SMS) R 0,50 R 0,50 R 0,49 R 0,48 R 0,46 R 0,43 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

6 Flexi Voice and Data How to build your Flexi package. You get: You choose: + Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND/ OR Up to 15% back in ebucks on your SIM spend. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels NOTE: *Subject to your account type and reward level.

7 GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Flexi Voice Bundles* Bundle Price ebucks Reward Level 30 minutes R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23,80 50 minutes R 46,00 R 45,54 R 44,85 R 43,70 R 42,55 R 39, minutes R 90,00 R 89,10 R 87,75 R 85,50 R 83,25 R 76, minutes R 172,00 R 170,28 R 167,70 R 163,40 R 159,10 R 146, minutes R 287,00 R 284,13 R 279,83 R 272,65 R 265,48 R 243, minutes R 390,00 R 386,10 R 380,25 R 370,50 R 360,75 R 331, minutes R 750,00 R 742,50 R 731,25 R 712,50 R 693,75 R 637, minutes R 1 400,00 R 1 390,00 R 1 375,00 R 1 350,00 R 1 325,00 R 1 250,00 Flexi Data Bundles Bundle Price ebucks Reward Level 50 MB R 15,00 R 14,85 R 14,63 R 14,25 R 13,88 R 12, MB R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23, MB R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29,75 1 GB R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55,25 2 GB R 95,00 R 94,05 R 92,63 R 90,25 R 87,88 R 80,75 5 GB R 245,00 R 242,55 R 238,88 R 232,75 R 226,63 R 208,25 10 GB R 465,00 R 460,35 R 453,38 R 441,75 R 430,13 R 395,25 20 GB R 925,00 R 915,75 R 901,88 R 878,75 R 855,63 R 786,25 50 GB R 2 199,00 R 2 189,00 R 2 174,00 R 2 149,00 R 2 124,00 R 2 049,00 Flexi SMS Bundles Package Price ebucks Reward Level 50 SMS R 20,00 R 19,80 R 19,50 R 19,00 R 18,50 R 17, SMS R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29, SMS R 45,00 R 44,55 R 43,88 R 42,75 R 41,63 R 38, SMS R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55, SMS R 85,00 R 84,15 R 82,88 R 80,75 R 78,63 R 72, SMS R 115,00 R 113,85 R 112,13 R 109,25 R 106,38 R 97,75 Out-of-Bundle Rate Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Voice* (per min) R 0,95 R 0,94 R 0,93 R 0,90 R 0,88 R 0,81 Data (per MB) R 1,00 R 0,99 R 0,98 R 0,95 R 0,93 R 0,85 SMS (per SMS) R 0,50 R 0,50 R 0,49 R 0,48 R 0,46 R 0,43 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

8 General information Expiry Flexi bundles Once off bundles Expire after 30 days Expire after 30 days Please note: 1. You will need to be scored for Flexi products. 2. The following debit order dates are available: 1st of the month 20th of the month 25th of the month Last day of the month (In the event of a debit order failing, debit order dates may be adjusted) 3. As a Flexi customer you are billed for your usage in arrears (that is, you use first and pay later). 4. Connect Flexi Contracts go to (Online Banking) to take up this product. NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

9 Top Up Voice How to build your Top Up package. You get: + Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND/ OR Up to 15% back in ebucks on your SIM spend Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels NOTE: *Subject to your account type and reward level.

10 GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Top Up Package Price ebucks Reward Level Connect Top Up min 30 MB 30 SMS Connect Top Up min 50 MB 50 SMS Connect Top Up min 100 MB 100 SMS LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% R R R R R R R R R R R R R R R R R R Out-of-bundle Rates Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Voice* (per min) R 0.95 R 0.94 R 0.93 R 0.90 R 0.88 R 0.81 Data (per MB) R 1.00 R 0.99 R 0.98 R 0.95 R 0.93 R 0.85 SMS (per SMS) R 0.50 R 0.50 R 0.49 R 0.48 R 0.46 R 0.43 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

11 General information Expiry Once off bundles Expire after 30 days Please note: The following debit order dates are available for Top Up Voice packages: 1st of the month 15th of the month 20th of the month 25th of the month Last day of the month (In the event of us not being able to collect on a debit order; debit order dates maybe adjusted) Please note the following for the first debit order for Top Up Packages: Your first bill will consist of a prorated amount as well as the standard monthly charge of your package for the following month. After your first invoice you will receive the standard monthly charge for your package. For example if you joined us on a Top Up 100 package on the 15th of January your first invoice would be made up of the remaining portion of the package fee for the time you were with us in January (Prorata) and one month s package fee in advance (For the month of February): Example Prorata Calculation: 16 Days remaining for January x Package Charge (R100) = Prorata (R51.61) 31 Days in January Total of First Invoice: Prorata (51.61) Package Charge (R100) Call Line Identity Jan & Feb (R6 x2) SIM & Connection Fee (R50) = First Invoice Amount (R213.61)

12 Top Up Data How to build your Top Up package. You get: + Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND/ OR Up to 15% back in ebucks on your SIM spend. Monthly data bundles Plus no data/usage charges when accessing FNB s Digital Channels NOTE: *Subject to your account type and reward level.

13 GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Top Up Data Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Connect Top Up 500MB R R R R R R 29,75 Connect Top Up 1 GB R R R R R R Connect Top Up 2 GB R R R R R R Connect Top Up 5 GB R R R R R R Top Up Out-of-bundle Rate Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Voice* (per min) R 2.50 R 2.48 R 2.44 R 2.38 R 2,31 R 2.13 Data (per MB) R 1.00 R 0.99 R 0.98 R 0.95 R 0.93 R 0.85 SMS (per SMS) R 0.50 R 0.50 R 0.49 R 0.48 R 0.46 R 0.43 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products

14 General information Expiry Once off bundles Expire after 30 days Please note: The following debit order dates are available for Top Up Data packages: 1st of the month 15th of the month 20th of the month 25th of the month Last day of the month (In the event of us not being able to collect on a debit order; debit order dates maybe adjusted) Please note the following for the first debit order for Top Up Packages: Your first bill will consist of a prorated amount as well as the standard monthly charge of your package for the following month. After your first invoice you will receive the standard monthly charge for your package. For example if you joined us on a Top Up 1GB package on the 15th of January your first invoice would be made up of the remaining portion of the package fee for the time you were with us in January (Prorata) and one month s package fee in advance (For the month of February): Example Prorata Calculation: 16 Days remaining for January x Package Charge (R100) = Prorata (R51.61) 31 Days in January Total of First Invoice: Prorata (51.61) Package Charge (R100) Call Line Identity Jan & Feb (R6 x2) SIM & Connection Fee (R50) = First Invoice Amount (R213.61)

15 Prepaid Complete control over your airtime, voice, data and SMS spend. How to build your Prepaid package. You get: + + Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND/ OR Up to 15% back in ebucks on your SIM spend. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels NOTE: *Subject to your account type and reward level.

16 GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Prepaid out-of-bundle Rates Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Voice* (per min) R 0.95 R 0.94 R 0.93 R 0.90 R 0.88 R 0.81 Data (per MB) R 1.00 R 0.99 R 0.98 R 0.95 R 0.93 R 0.85 SMS (per SMS) R 0.50 R 0.50 R 0.49 R 0.48 R 0.46 R 0.43 General information Expiry Once off bundles Expire after 30 days NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. Prepaid SIMs activated at FNB branches do not earn rewards on the R10 initiation fee. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

17 Promotional Packages Order your SIM & Device deal by logging into FNB Online Banking You get: + A Smart Device Connect SIM FREE Monthly Voice/Data/ SMS bundles Plus no data/ usage charges when accessing FNB s Digital Channels

18 Package Price Notes Connect Top Up Easy FREE 15 min 50 MB x 24 Months Connect Top Up Gold FREE 25 min 100 MB x 24 Months Connect 50MIN-100MB FREE 50 min 100 MB x 24 Months Connect Data 500MB FREE 500 MB x 24 Months Promo Connect 150MB FREE Once off 500 MB MB x 24 Months Promo Unlimited Voice FREE Unlimited Min 100 MB 50 SMS No subscription fees for the Promotional Connect SIM (Pay only for the device) FREE with ConeXis A1 FREE with ConeXis X1 FREE with selected devices FREE with selected devices FREE with selected devices FREE with selected devices Out-Of-Bundle Rate GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Package Price ebucks Reward Level LEVEL 1: 1.0% LEVEL 2: 2.5% LEVEL 3: 5.0% LEVEL 4: 7.5% LEVEL 5 : 15% Voice* (per min) R 1.50 R 1.49 R 1.46 R 1.43 R 1.39 R 1.28 Data (per MB) R 1.00 R 0.99 R 0.98 R 0.95 R 0.93 R 0.85 SMS (per SMS) R 0.50 R 0.50 R 0.49 R 0.48 R 0.46 R 0.43 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. Prepaid SIMs activated at FNB branches do not earn rewards on the R10 initiation fee. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

19 Once off Bundles GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Voice* Bundle Price ebucks Reward Level 30 minutes R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23,80 50 minutes R 46,00 R 45,54 R 44,85 R 43,70 R 42,55 R 39, minutes R 90,00 R 89,10 R 87,75 R 85,50 R 83,25 R 76, minutes R 172,00 R 170,28 R 167,70 R 163,40 R 159,10 R 146, minutes R 287,00 R 284,13 R 279,83 R 272,65 R 265,48 R 243, minutes R 390,00 R 386,10 R 380,25 R 370,50 R 360,75 R 331, minutes R 750,00 R 742,50 R 731,25 R 712,50 R 693,75 R 637, minutes R 1 400,00 R 1 390,00 R 1 375,00 R 1 350,00 R 1 325,00 R 1 250,00 Data Bundle Price ebucks Reward Level 50 MB R 15,00 R 14,85 R 14,63 R 14,25 R 13,88 R 12, MB R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23, MB R 60,00 R 59,40 R 58,50 R 57,00 R 55,50 R 51, MB R 89,00 R 88,11 R 86,78 R 84,55 R 82,33 R 75,65 1 GB R 139,00 R 137,61 R 135,53 R 132,05 R 128,58 R 118,15 2 GB R 245,00 R 242,55 R 238,88 R 232,75 R 226,63 R 208,25 5 GB R 399,00 R 395,01 R 389,03 R 379,05 R 369,08 R 339,15 10 GB R 699,00 R 692,01 R 681,53 R 664,05 R 646,58 R 594,15 20 GB R 1 099,00 R 1 089,00 R 1 074,00 R 1 049,00 R 1 024,00 R 949,00 SMS Package Price ebucks Reward Level 50 SMS R 20,00 R 19,80 R 19,50 R 19,00 R 18,50 R 17, SMS R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29, SMS R 45,00 R 44,55 R 43,88 R 42,75 R 41,63 R 38, SMS R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55, SMS R 85,00 R 84,15 R 82,88 R 80,75 R 78,63 R 72, SMS R 115,00 R 113,85 R 112,13 R 109,25 R 106,38 R 97,75 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

20 Recurring Bundles GOLD, PREMIER, PRIVATE CLIENTS AND PRIVATE WEALTH CUSTOMERS Voice* Bundle Price ebucks Reward Level 30 minutes R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23,80 50 minutes R 46,00 R 45,54 R 44,85 R 43,70 R 42,55 R 39, minutes R 90,00 R 89,10 R 87,75 R 85,50 R 83,25 R 76, minutes R 172,00 R 170,28 R 167,70 R 163,40 R 159,10 R 146, minutes R 287,00 R 284,13 R 279,83 R 272,65 R 265,48 R 243, minutes R 390,00 R 386,10 R 380,25 R 370,50 R 360,75 R 331, minutes R 750,00 R 742,50 R 731,25 R 712,50 R 693,75 R 637, minutes R 1 400,00 R 1 390,00 R 1 375,00 R 1 350,00 R 1 325,00 R 1 250,00 Data Bundle Price ebucks Reward Level 50 MB R 15,00 R 14,85 R 14,63 R 14,25 R 13,88 R 12, MB R 28,00 R 27,72 R 27,30 R 26,60 R 25,90 R 23, MB R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29,75 1 GB R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55,25 2 GB R 95,00 R 94,05 R 92,63 R 90,25 R 87,88 R 80,75 5 GB R 245,00 R 242,55 R 238,88 R 232,75 R 226,63 R 208,25 10 GB R 465,00 R 460,35 R 453,38 R 441,75 R 430,13 R 395,25 20 GB R 925,00 R 915,75 R 901,88 R 878,75 R 855,63 R 786,25 50 GB R 2 199,00 R 2 189,00 R 2 174,00 R 2 149,00 R 2 124,00 R 2 049,00 SMS Package Price ebucks Reward Level 50 SMS R 20,00 R 19,80 R 19,50 R 19,00 R 18,50 R 17, SMS R 35,00 R 34,65 R 34,13 R 33,25 R 32,38 R 29, SMS R 45,00 R 44,55 R 43,88 R 42,75 R 41,63 R 38, SMS R 65,00 R 64,35 R 63,38 R 61,75 R 60,13 R 55, SMS R 85,00 R 84,15 R 82,88 R 80,75 R 78,63 R 72, SMS R 115,00 R 113,85 R 112,13 R 109,25 R 106,38 R 97,75 NOTE: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

21 Handy Numbers These are numbers you need to know from balance enquiries to customer service enquiries. Customer care numbers Customer service Self-service Recharge 147 from an FNB SIM or from a non-fnb SIM *147# (USSD), Cellphone Banking, the FNB APP and Online Banking *130*321# or *120*321# (Cellphone Banking), ATM, FNB App Balance enquiry *111# Block SIM Please call me *140*cellphone number# Voice mail 144 Terms and conditions: 1. You need to qualify for the airtime or ebucks reward programme in order to earn rewards specified in this package and reward guide. 2. ebucks reward calculations were done by using a spend cap of R Voice calls are billed on a per second basis.

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