Reap your rewards. Earn up to 6% back in ebucks on your online shopping with FNB Private Wealth. Introduction. How ebucks works. Qualify for ebucks

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1 Reap your rewards. 6% on your online shopping with FNB Private Wealth. At FNB Private Wealth, we believe the most helpful thing we can do is give you our time. So we spend time getting to know you your passion, goals, challenges and then we use that knowledge, together with our vast experience and FNB s innovation and resources to engineer solutions that enhance your life and enrich your future.

2 Qualify Bank better Meet simple qualifying criteria to earn ebucks. Collect More reward points reward level points based on how you bank. Earn Higher reward level ebucks according to your reward level. Spend More rewards ebucks and get discounts according to your reward level. Reward Levels + Points collected for the month 0 pts pts pts pts pts 5 Remember In order to maximise your ebucks earn, you need to have both a Private Wealth Cheque and Credit Card.

3 You must meet the requirements below to start earning ebucks: Have an active Private Wealth Cheque or Structured Facility Account. Ensure all your FNB accounts are in good standing which means that they are not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process. Ensure your account has either: Total monthly deposits of at least R OR At least R deposited over the last 3 months OR A minimum balance of at least R throughout the month 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 be able to earn ebucks with your Private Wealth Account(s). As soon as you fulfill the relevant requirement again, you will earn ebucks when you use your bank account(s) again. If you only have an active Private Wealth Cheque or Structured Facility Account, you will qualify to earn ebucks on reward level 1 only as long as you meet the sufficient balance or deposit rule and your account is in good standing. If you only have an active Private Wealth Credit Card, you will qualify to earn ebucks on reward level 1 only as long as you spend at least R per month or R over three months on your Private Wealth Credit Card and your account is in good standing.

4 Reward Levels + Points collected for the month What to do to collect points 0 pts Use FNB s value-added services and how you bank in general pts There are so many ways in which you can collect points to move up a reward level. Be registered for incontact, update your contact details at least once in a 12-month period via Online Banking, allow FNB to communicate with you by giving them consent to market to you and choose to receive all your statements via only Do all your payments and transfers (excluding swipes, prepaid purchases and lotto purchases) via FNB s electronic banking channels and don t do any transactions at an FNB branch (including statement transactions) pts pts pts 5 Points per month Do at least one financial transaction a month using the FNB Banking App 1000 Use your FNB Cheque Account Maintain a minimum monthly balance in your Private Wealth Cheque Account of: Between R and R Between R and R R or more 3000 Have at least six monthly debit orders on your Private Wealth Cheque Account 1000

5 What to do to collect points Use your FNB Credit Card Points per month Set up an Auto Payment on your Private Wealth Credit Card 1000 Spend* on your Private Wealth Credit Card in a calendar month for: Between R and R Between R and R Between R and R R or more * Spend excludes EFTs and transfers. Total monthly spend* on your Private Wealth Credit Card: Between 50% and 74.9% of your total monthly spend is on your Private Wealth Credit Card 1000 Between 75% and 99.9% of your total monthly spend is on your Private Wealth Credit Card % of your total monthly spend is on your Private Wealth Credit Card * Total monthly spend = Private Wealth Credit Card spend + Private Wealth Cheque Card spend; excludes EFTs and transfers. Use your FNB Cheque or Credit Card Use your Private Wealth Cheque or Credit Card to shop online or swipe internationally Minimum spend is R Use FNB s value-added services and products Have an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of: 1000 Between R and R Between R and R R or more 4000 Have a scheduled transfer/payment of at least R2500 into an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of R in the same account 2000

6 What to do to collect points Have one of the following Global Accounts and maintain a minimum monthly balance of: 2000 Australian dollars, euros, Great British pounds or US dollars Chinese renminbi Indian rupees OR Points per month Australian dollars, euros, Great British pounds or US dollars Chinese renminbi Indian rupees Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of Have a non-discretionary (non-advisory) mandate with FNB Securities or FNB Share Investor with trades in a JSE-listed equity of: R in the previous month or R over the last six months 2000 R in the previous month or R over the last six months 4000 Have a full discretionary or bespoke mandate with FNB Securities or Ashburton with a portfolio value of: Between R and R Between R and R R10 million or more 4000 Have a discretionary wealth mandate with a portfolio value of: Between R and R Between R and R R10 million or more Have an active* FNB Home Loan with a minimum outstanding balance of R and a debit order or salary stop order set up on an FNB account, your account has not gone into arrears in the last 12 months and you have up-to-date Home Owners Comprehensive Insurance Cover (vacant land excluded) 2000

7 What to do to collect points Use your Structured Facility and have up-to-date Home Owners Comprehensive Insurance Cover (vacant land excluded) where usage is: Points per month Between 50% and 69.9% 2000 Between 70% and 89.9% 5000 Between 90% and 95% *Based on average utilisation for the month. Draft a will in which FNB is the executor and keep your signed will in FNB s custody 1000 Make use of the following FNB credit products*** which must be in good standing** Have an Overdraft facility of at least R on your Private Wealth Cheque Account of which you have used: Between 20% and 39.9% 1000 Between 40% and 59.9% 2000 Between 60% and 100% Have a Revolving Loan of at least R of which you have used: Between 20% and 49.9% 1000 Between 50% and 100% 2000 Use FNB s Vehicle Finance or WesBank Products**** Have an active* FNB Vehicle Finance or WesBank Account which you have paid on time over the last 12 months from an FNB account, update your contact details at least once in a 12-month period via WesBank Online and allow WesBank to communicate with you by giving them consent to market to you 1000 Log in to WesBank Online at least once a month 1000 * Active means you transact on the account. ** Good standing means it s not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process. *** Qualifying FNB Islamic Banking customers will receive points every month as these accounts are not eligible for the following FNB Credit products: Overdraft, Temporary Loan, Revolving Loan or Personal Loan. **** FNB Islamic Banking customers who have a debit order from their Islamic Cheque Account for Islamic Vehicle Finance will qualify for points on a monthly basis.

8 Depending on your reward level, you ll earn ebucks on your Private Wealth Accounts, effective 1 July 2015, as follows: NEW 40% 15% 5% 100% on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime. on your Uber rides. NEW EXCLUSIVE on your Private Wealth Credit Card and up to 2.5% back on your Private Wealth Cheque Card whenever you buy groceries. EXCLUSIVE on your active FNB Tablet, Smartphone or Laptop contract monthly subscription fee. on your Private Wealth Credit Card and up to 1.5% back on your Private Wealth Cheque Card whenever you swipe. 3% 6% on your Private Wealth Credit Card and up to 3% back on your Private Wealth Cheque Card whenever you shop online or purchase internationally. 15% when you fill up with fuel at any fuel station and/or buy Gautrain tickets. 15% when you shop at Checkers & Shoprite. when you buy prepaid electricity electronically through FNB. when you load all networks* prepaid airtime electronically through FNB. on your transaction charges when you send or receive foreign currency online with FNB Forex. 15% 15% 50% 100% * All networks refers to all cellular networks other than FNB Connect. on your transaction charges when receiving foreign currency regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction.

9 Reward Levels + Points collected for the month Reward Rates Shopping Swipes Online Shopping International Shopping Grocery Shopping 0 pts pts pts pts pts Credit card 0.6% 0.9% 1.3% 1.8% 3% Cheque 0.3% 0.45% 0.65% 0.9% 1.5% Credit card 1.2% 1.8% 2.6% 3.6% 6% Cheque 0.6% 0.9% 1.3% 1.8% 3% Credit card 1.2% 1.8% 2.6% 3.6% 6% Cheque 0.6% 0.9% 1.3% 1.8% 3% Credit card 0.6% 0.9% 1.6% 2.5% 5% Cheque 0.3% 0.45% 0.8% 1.25% 2.5% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% Transport (Fuel + Gautrain tickets + Uber) 0.6% 2.5% 5% 7.5% 15% Prepaid Electricity 0.6% 2.5% 5% 7.5% 15% All networks* Prepaid airtime 0.6% 2.5% 5% 7.5% 15% FNB Connect contract & Prepaid Airtime 15% 20% 25% 30% 40% Smart Device Contract 0% 10% 25% 50% 100% Sending or Receiving foreign currency through FNB Forex Online payment fees 10% 15% 20% 30% 50% Standing instruction fees 15% 20% 30% 50% 100% Please note: certain limits and rules apply to these rates. * All networks refers to all cellular networks other than FNB Connect. If you have not yet qualified to start earning ebucks, you will earn 0.5% on purchases made at Checkers & Shoprite with your Private Wealth Cheque Card or unlinked Private Wealth Credit Card. When using your linked Private Wealth Credit Card you will earn 0.6% when you swipe your card or make purchases at Checkers & Shoprite and 1.2% when you make online purchases. If you only have a Private Wealth Credit Card, i.e. no Private Wealth Cheque Account, you can link your Private Wealth Credit Card to your ebucks account by calling us on or visiting. A Monthly Credit Card Rewards Fee of R16.50 per month is charged to link your Private Wealth Credit Card to earn ebucks. The R16.50 Monthly Credit Card Rewards Fee is billed monthly to your Private Wealth Credit Card. 5

10 As a Private Wealth card holder you can experience a place where the chaos of the airport and stress of traveling are momentarily forgotten. At airports without SLOW Lounges or where capacity in the SLOW Lounge has been reached, you are welcome to use the Bidvest Premier Lounges. SLOW and Bidvest Premier Lounges Private Wealth Qualifying Cards Qualifying Criteria Qualifying Cardholders visits per calendar month Fee per visit - qualifying criteria met Fee per additional visit - qualifying criteria met Fee per visit - qualifying criteria not met Domestic International Domestic International Cheque and/or Credit Card Reward Level 1 2 Including guests FREE R125 R250 R250 R500 Cheque and Credit Card Reward Level 2 or above Unlimited for the cardholder, 1 guest and children under 18 FREE R125 R250 R250 R The SLOW lounges have turned out to be immensely popular, we have had to introduce a capacity management system to ensure that lounge volumes are not in excess of occupancy. From 1 July 2015 access to all Domestic SLOW Lounges will now be limited to 90 minutes before boarding time. Rules Allocated free visits are shared between SLOW domestic, SLOW international and Bidvest Premier Lounges. All free entries will be allocated at main client level and can be used/accessed by any card (cheque, credit or additional credit). Children younger than 2 years enter for free. Unused free visits do not roll over to the next month.

11 As a Private Wealth customer, you can enjoy the exclusive service of ebucks Lifestyle, where a dedicated Lifestyle Assistant will assist you with the following travel and leisure arrangements: All travel arrangements, including flights, car rental and accommodation. Gifting services like ordering flowers, wine, gift vouchers and hampers. Lifestyle experiences such as spa days, hot air balloon rides and luxury picnicking. Dining reservations. Assisting in sourcing sport and event tickets. NEW Exclusive Travel Benefits with. Savings on exclusive travel and accommodation deals including 45% off Rovos Rail, 30% off Oyster Box and MORE Operating hours Telephone Monday to Friday from 08:00 to 19:00 Saturdays from 08:00 to 14: Closed on Sundays and Public Holidays 24 and 31 December from 08:00 to 17:00

12 Your dedicated Lifestyle Assistant will be able to: Arrange Priority Pass memberships Priority Pass is the world s largest independent airport lounge access programme, offering its members access to over 700 airport lounges worldwide. As long as you have booked your international travel, you can attain annual membership valued at $99. Depending on your reward level, you also qualify for complimentary visits per annum each valued at $27 to any International Priority Pass Lounge. Book Avis Point2Point transfers An inner city transfer service ensuring you always get to where you are going in style. Depending on your reward level, you also qualify for complimentary local transfers per annum in an economy vehicle. Book Speed Pass services VIP meet and assist airport services. As a customer, you qualify for a 15% discount at over 285 international airports worldwide, which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs and immigration. Reward Levels FREE Priority Pass International Lounge visits per year FREE Avis Point2Point local trips per year Discount on Speed Pass services 15% Note Priority Pass Memberships are dispatched from the UK and can take up to 15 working days to be delivered once ordered via. Free visits and transfers are based on a calendar year and are dependent on your current reward level when you travel.

13 Comprehensive Global Travel Insurance AA Emergency Roadside Assistance Instant Financial Management or Instant Accounting Take Me Home designated driver service SLOW in the City FREE for tickets purchased on a Private Wealth Credit or Cheque Card FREE on a linked Private Wealth Petro Card FREE online solution for Private Wealth Cheque or Structured Facility account holders 10 trips per annum - FREE on a linked Private Wealth Petro Card 0 FREE Entries 4 FREE day access entries per month for Private Wealth Credit or Cheque card holders Reward Levels For more information visit

14 Book flights, accommodation and car rental for both local and international trips. ebucks Shop Our convenient online shop with everything from electronics, gadgets, home appliances, kids stuff, gifts, and 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 Engen. ebucks Invest Invest your ebucks in an FNB 12-month Flexi Fixed Deposit account. ebucks Electronic Channels Use your Smart Device or go online to do your banking and buying things like prepaid airtime, prepaid electricity and data.

15 Your reward level also determines the size of the discount you qualify for when you buy selected products that are on discount from the ebucks Shop, book domestic Avis car rental or book selected flights online through. Reward Levels + Points collected for the month 0 pts pts pts pts pts 5 including Emirates and kulula.com Discount on your monthly Uncapped ADSL subscription (maximum discount per month R399) 5% 10% 20% 30% 40% 10% 20% 45% 85% 100% ADSL Data Depending on your reward level, you can get up to 100% off your monthly Uncapped ADSL Data subscription through FNB Connect. Sign up for Uncapped ADSL Data through FNB Connect Log onto Online Banking. Click on the My Bank Accounts tab. Expand the menu and click on the FNB Connect link. Terms and conditions apply see for more information. Want to know more about Uncapped ADSL Data? If you have recently upgraded your account, you will not get immediate access to your new complimentary benefits. New rewards will only be available once your upgraded account has been active and in good standing for at least 30 days. Terms, conditions and rules apply. Discounts on flights exclude all taxes. E & OE. Effective 1 July 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 First Rand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20)