ebucks Rewards Comparison of rules effective from 1 July 2017

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1 The way you earn ebucks on your FNB Premier Accounts is changing from 1 July 2017 Below is a summary of how the rules will be changing and how these changes will affect you. Please note: The rules that haven t changed will not be reflected in the summary. Current rules (valid until 30 June 2017) New rules (effective 1 July 2017) Qualifying requirements The requirements are as follows: 1. Have an FNB Premier Cheque Account that is active which means you transact on the account and where you either: Have a minimum monthly deposit of: o R into a Premier Cheque Account, Islamic Cheque Account, One Account or Premier Select Cheque Account o R5 500 into a Young Professionals Account Maintain a minimum monthly balance of: o R in a Premier Cheque Account or Islamic Cheque Account o R in a Premier Select Cheque Account The requirements are as follows: 1.1 Have a monthly deposit of at least: R into an FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB One Account, FNB Premier Select Cheque Account or FNB Fusion Premier Account R5 500 into an FNB Young Professionals Account. 1.2 Have deposits over three months totalling at least R into an FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB Premier Select Cheque Account or FNB Fusion Premier Account. 1.3 Maintain a monthly balance of at least: R in an FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB Young Professionals Account or FNB Fusion Premier Account R in an FNB Premier Select Cheque Account. 1.4 Maintain a monthly balance of at least R in your FNB Savings and Investment Account if you re an FNB Premier Select customer.

2 2. Use the electronic channel(s) specific to your age group: 2. Use the electronic banking channel(s) specific to your age group: Under 60 years Log in to the FNB Banking App at least once a month using your own banking profile. Over 60 years Transact at least once a month on any of FNB's electronic banking channels - the FNB Banking App is one of the available channels. The other channels are Online Banking, Cellphone Banking and Telephone Banking (Interactive Voice Response only). Under 60 years Log in to the FNB Banking App at least once a month using your own banking profile. Over 60 years Transact at least once a month on any of FNB's electronic banking channels. These are the FNB Banking App, Online Banking, Cellphone Banking and Telephone Banking (Interactive Voice Response only). 3. Ensure ALL your FirstRand Bank accounts are in good standing (which means your accounts are not overdrawn, in arrears or in default, you have not missed a premium and you are not undergoing sequestration or any legal process). 3. Ensure that ALL your FirstRand Bank accounts are in good standing. This means your accounts aren 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). NEW! Have a monthly spend on your FNB Connect SIM card of: Between R200 and R (500 points) Between R300 and R R600 or more (1 500 points) Move up a reward level Qualifying spend excludes any device premiums. NEW! Have Bank Your Change TM activated on your FNB Premier Cheque Account or FNB Fusion Premier Account and have the purchase amount rounded up to at least R5 (500 points) NEW! Grow the balance across your FNB Savings and Investment Accounts by at least R1 000 per month (interest included) (2 000 points) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading Accounts NEW! Have an FNB Fixed Deposit Account with a fixed term of at least six months Maintain a monthly balance of at least R in the account (2 000 points)

3 NEW! Have an Overdraft limit your FNB Premier Cheque Account or a Credit Facility on your FNB Fusion Premier Account of at least R Use at least R1 000 of your Overdraft limit or Credit Facility per month Deposit sufficient funds into your FNB Premier Cheque Account to settle the outstanding balance on your credit facililty during the month (2 000 points) You won t collect these points if your Cheque Account Overdraft Limit or Fusion Account Credit Facility is not used for at least 24hrs of a business day NEW! Have an FNB Revolving Loan with a credit limit of at least R of which you ve used between 40% and 85% during the month Have an FNB Revolving Loan debit order mandate within the last two years (500 points) NEW! Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R Have a Flexi Facility on your FNB Home Loan or FNB One Account NEW! Have an FNB Life Cover Policy with at least two additional types of cover Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account (500 points) Additional cover types include Critical Illness Cover, Disability Cover and Debt-Linked Cover. NEW! Have Life Cover of at least R1.2 million (500 points) 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.

4 NEW! Have an FNB Funeral Policy with at least two lives assured Have total cover of at least R across all the lives assured Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account (500 points) Children will not count towards the required two lives assured. Do all your payments and transfers via FNB's electronic banking channels You will not collect these points on any transaction inside an FNB branch, FNB Premier Service Suite, including banker issued statements Be on the Premier bundled pricing option Maintain a minimum monthly balance in your Premier Cheque Account of: Between R5 000 and R (500 points) Between R and R Between R and R (1 500 points) R or more (2 000 points) Spend on your Premier Credit Card in a calendar month for: NEW! Have an FNB Accidental Death Cover Policy with minimum cover of R Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account (500 points) Use FNB's electronic banking channels to do ALL your payments, transfers and FNB Savings and Investment Account maintenance Savings and Investment Account maintenance refers to the way you use your FNB Savings and Investment Accounts and how you manage your funds (e.g. notices to withdraw or interest redirect requests). You won t collect points on any transaction done inside an FNB branch or FNB Premier Service Suite, including banker issued statements. Be on the FNB Premier bundled pricing option Have an FNB Fusion Premier Account Maintain a monthly balance in your FNB Premier Cheque Account or FNB Fusion Premier Account of: Between R5 000 and R (500 points) Between R and R R or more (2 000 points) Spend on your FNB Premier Credit Card or FNB Fusion Premier Card in a calendar month for:

5 Between R5 000 and R9 999 Between R and R (1 500 points) Between R and R (2 000 points) R or more (3 000 points) Use your Premier Credit Card or Premier Cheque Card to shop online or swipe internationally for: Between R500 and R1 499 Between R1 500 and R2 499 (1 500 points) Between R2 500 and R4 999 (2 000 points) R5 000 or more (3 000 points) Your card swipes and/or withdrawals exceed your ATM and FNB branch cash withdrawals You only swipe your card and/or use (no ATM or FNB branch withdrawals (1 500 points) Between R1 500 and R2 999 (500 points) Between R3 000 and R5 999 Between R6 000 and R (1 500 points) R or more (2 000 points) Spend excludes EFTs and Transfers. Use your FNB Premier Credit Card, FNB Premier Cheque Card or FNB Fusion Premier Card to shop online and/or swipe internationally for: Between R250 and R999 per month (500 points) Between R1 000 and R1 999 per month Between R2 000 and R4 999 per month (1 500 points) R5 000 or more per month (2 000 points) Spend excludes EFTs and Transfers. Spend more on your FNB cards and/or FNB Pay than the amount of cash you withdraw in a month (500 points) FNB Pay allows you to securely tap to pay using your Android NFC smartphone whenever you see the Contactless logo. You won t collect these points if you withdraw cash from any FNB branch. Only use Cardless Cash and/or Cash@Till to withdraw cash (1 000 points) Cardless Cash allows you to withdraw cash directly from your FNB accounts by using your cellphone at FNB ATMs rather than using a card. You won t collect these points if you withdraw cash from any FNB branch. Have an FNB Savings or Investment Account(s) (including Tax-Free Cash Deposit Account) and maintain a minimum monthly balance of: Between R and R Between R and R (1 500 points) Between R and R (2 000 points) R or more (3 000 points) (excluding an Equity Trading Account) Have an FNB Tax Free Shares Account and: Make a monthly payment of at least R1 500 Make an annual contribution of at least R in the current tax year Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of: Between R and R Between R and R (1 500 points) R or more (2 000 points) FNB Tax-Free Cash Deposit Accounts and FNB Equity Trading Accounts do not count towards the balance. Have an FNB Tax-Free Shares, Horizon Series, Unit Trust or Tax-Free Cash Deposit Account and make a monthly* contribution of at least R1 500 (500 points) Have an FNB Tax-Free Shares Account, Horizon Series Unit Trust or Tax-Free Cash Deposit Account and make an annual contribution of at least R33 000

6 Tax year runs from 1 March to 28 February 1. Have an FNB Home Loan, One Account or Single Facility with a minimum outstanding balance of R Your FNB Home Loan, One Account or Single Facility meets requirement (1) above and you have an FNB debit order or salary stop order set up on the account Have an Overdraft Facility with a credit limit of at least R on your Premier Cheque Account and use between 40% and 100% of the credit limit (2 000 points) Have a Personal Loan of at least R Have a Revolving Loan with a credit limit of at least R of which you have used between 40% and 100% (which means you utilised some or all of the granted credit facility and have an outstanding balance at the end of the month) (3 000 points) *Monthly contributions must be made via a scheduled transfer or Debit order The total monthly and annual contributions must be made within the current tax year, which runs from 1 March 2017 to 28 February Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R (2 000 points) Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R Make your monthly FNB Home Loan repayment with a salary stop order or a debit order set up from your FNB Premier Cheque Account Have an Overdraft limit on your FNB Premier Cheque Account or a Credit Facility on your FNB Fusion Premier Account of at least R (1 000 points) Have an FNB Personal Loan of at least R30 000, which you repay via a monthly debit order from your FNB Premier Cheque Account or FNB Fusion Premier Account (3 000 points) Have an FNB Revolving Loan with a credit limit of at least R of which you ve used between 40% and 85% during the month (1 500 points) Have an FNB Vehicle Finance or WesBank Account and: Allow WesBank to communicate with you by giving them consent to market to you Log in to WesBank Online at least once a month Excludes VW, Audi and TFS Have an FNB Life Cover Policy and pay your monthly premiums from your Premier 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 your FNB Private Wealth 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. Have an FNB Life Cover Policy with minimum combined cover of R Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account

7 Qualifying Life Cover includes Simplified and Customised Life Cover, but excludes Funeral Cover, Accidental Death Cover, Hospital Cash Cover and all types of Credit Life Cover. Have at least four monthly debit orders on your Premier Cheque Account 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 at least four monthly debit orders on your FNB Premier Cheque Account or FNB Fusion Premier Account Total monthly spend on your Premier Credit Card: Use your FNB Premier Credit Card and/or FNB Fusion Premier Card for: Between 25% and 49.9% of your total monthly spend is on your Premier Between 25% and 49.9% of your total monthly spend (500 points) Credit Card Between 50% and 74.9% of your total monthly spend is on your Premier Between 50% and 74.9% of your total monthly spend Credit Card Between 75% and 99.9% of your total monthly spend is on your Premier Between 75% and 99.9% of your total monthly spend (2 000 points) Credit Card 100% of your total monthly spend is on your Premier Credit Card 100% of your total monthly spend (3 000 points) Total monthly spend includes any online and in-store purchases made during the month using your FNB Premier Credit Card and/or FNB Fusion Premier Card. Earn ebucks according to your reward level Maintain a minimum monthly balance in an FNB Unit Trust of: R R Make a monthly payment of at least R1 000 into an FNB Unit Trust Have a scheduled transfer or scheduled payment of at least R1 000 per month into a 7 Day Notice Account, 32 Day Notice Account, Tax-Free Cash Deposit Account, Flexi Fixed Deposit Account or MyFirstSavings Account (2 000 points) Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of British pounds (4 000 points) Have an FNB Channel Islands Call, 32 Day Notice or Fixed Deposit Account and maintain a minimum monthly balance of: Between and euros, British pounds or US dollars or more euros, British pounds or US dollars Earn up to 40% back in ebucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime. Earn up to 15% back in ebucks when you buy prepaid electricity electronically through FNB. Maintain a minimum monthly balance in your FNB Horizon Series Unit Trust of: R R1 million (2 000 points) Make a monthly payment of at least R1 000 into an FNB Horizon Series Unit Trust Earn up to 15% back in ebucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime.

8 The reward rates for FNB Connect have changed. The prepaid electricity earn category falls away. All other reward rates remain unchanged. Points collected monthly or more Your reward level In-store shopping: Credit Card In-store shopping: Cheque Card Online shopping: Credit Card Online shopping: Cheque Card Fuel & Uber (Transport) Reward rates 0.5% 0.7% 1% 1.2% 2% 0.25% 0.25% 0.25% 0.25% 0.25% 1% 1.4% 2% 2.4% 4% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 2.5% 5% 7.5% 15% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% Prepaid electricity 0.5% 2.5% 5% 7.5% 15% FNB Connect contract, prepaid airtime and LTE 15% 20% 25% 30% 40% FNB Life Cover 1% 2.5% 5% 7.5% 15% Online, app and Standing instruction fees Sending or receiving foreign currency through FNB Forex 5% 10% 20% 30% 50% Points collected monthly or more Your reward level In-store shopping: Credit Card/FNB Fusion Card In-store shopping: Cheque Card Online shopping: Credit Card/FNB Fusion Card Online shopping: Cheque Card Fuel & Uber (Transport) Reward rates 0.5% 0.7% 1% 1.2% 2% 0.25% 1% 1.4% 2% 2.4% 4% 0.5% 0.5% 2.5% 5% 7.5% 15% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% Prepaid electricity FNB Connect contracts and prepaid airtime 1% 2.5% 5% 7.5% 15% FNB Life 1% 2.5% 5% 7.5% 15% Online, App and standing instruction fees Sending or receiving foreign currency through FNB Forex 5% 10% 20% 30% 50% Things to remember: If you've not yet qualified to start earning ebucks, you'll earn as follows: 0.5% back in ebucks on in-store purchases made at Checkers & Shoprite using your Premier Credit Card or Premier Cheque Card 0.5% back in ebucks on in-store shopping purchases made using your linked Premier Credit Card Things to remember: If you've not yet qualified to start earning ebucks, you'll earn as follows: 0.5% back in ebucks on in-store purchases made at Checkers & Shoprite using your FNB Premier Credit Card, FNB Premier Cheque Card or FNB Fusion Premier Card..

9 Earn rules 1% back in ebucks on online shopping purchases made using your linked Premier Credit Card. Shopping In-store shopping The amount on which you earn ebucks is limited to a total monthly rand spend (on qualifying card swipes only) of R on your qualifying Premier Credit Card and/or Premier Cheque Card. Thereafter, you'll earn ebucks on in-store shopping purchases made using your Premier Credit Card at a flat rate of 0.5%. You won't earn ebucks on in-store shopping purchases above the R spend limit made using your Premier Cheque Card. Your Premier Credit Card spend is considered first towards the spend limit.. Shopping In-store shopping The amount on which you earn ebucks is limited to a total monthly rand spend (on qualifying card swipes only) of R on your qualifying FNB Premier Credit Card, FNB Premier Cheque Card and/or FNB Fusion Premier Card. Thereafter, you ll earn ebucks on in-store shopping purchases made using your FNB Premier Credit Card or FNB Fusion Premier Card at a flat rate of 0.5%. You won t earn ebucks on in-store shopping purchases above the R spend limit made using your FNB Premier Cheque Card. Your FNB Premier Credit Card/FNB Fusion Premier Card spend is considered first towards the spend limit. Online shopping Online shopping The amount on which you earn ebucks is limited to a total monthly rand spend (on qualifying online spend only) of R5 000 on your qualifying Premier Credit Card and/or Premier Cheque Account. Thereafter, you'll earn ebucks on online purchases made using your Premier Credit Card at a flat rate of 0.5%. The amount on which you earn ebucks is limited to a total monthly rand spend (on qualifying online spend only) of R5 000 on your qualifying FNB Premier Credit Card, FNB Premier Cheque Card and/or FNB Fusion Premier Card. Thereafter, you ll earn ebucks on online purchases made using your FNB Premier Credit Card or FNB Fusion Premier Card at a flat rate of 0.5%. You won't earn ebucks on online purchases above the R5 000 spend You won t earn ebucks on online purchases above the R5 000 spend limit made using your Premier Cheque Account. Your Premier Credit Card spend is considered first towards the spend limit. Checkers & Shoprite The amount on which you earn ebucks is limited to 20% of your total monthly qualifying Premier Credit Card and/or Premier Cheque Account spend or a total rand spend (on Checkers & Shoprite in-store shopping only) of R per month, whichever occurs first. Fuel and Uber limit made using your FNB Premier Cheque Card. Your FNB Premier Credit Card/FNB Fusion Premier Card spend is considered first towards the spend limit. Checkers & Shoprite The amount on which you earn ebucks is limited to 20% of your total monthly qualifying FNB Premier Credit Card, FNB Premier Cheque Card or FNB Fusion Premier Card spend or a total rand spend (on Checkers & Shoprite in-store shopping only) of R per month, whichever occurs first. You won t earn ebucks on purchases made at MediRite Pharmacies or Money Market counters. Fuel and Uber

10 The amount on which you earn ebucks is limited to 20% of your total monthly qualifying Premier Credit Card and/or Premier Cheque Account spend or a total rand spend (on fuel and Uber rides only) of R4 500 per month, whichever occurs first. The amount on which you earn ebucks is limited to 20% of your total monthly qualifying FNB Premier Credit Card, FNB Premier Cheque Card and/or FNB Fusion Premier Card spend or a total rand spend (on fuel and Uber rides only) of R4 500 per month, whichever occurs first. Prepaid electricity You earn ebucks on electricity bought via FNB's electronic banking channels: o FNB Banking App Download the app from your app store o Online Banking o Cellphone Banking dial *120*321# (electricity*) The amount on which you earn ebucks is limited to a total monthly rand spend of R * Standard network rates apply FNB Life Cover The monthly premiums on your qualifying FNB Simplified or Customised Life Cover must be paid on time from your Premier Cheque Account. ebucks won't be earned for any month where premiums weren't paid either because you didn't make payment that month, or because FNB Life chose to waive your fee that month for any reason (for example in the month of your 'Premium Holiday'). The percentage earned back in ebucks is calculated on the sum total of monthly premiums for your Life Cover Policy. ebucks won t be earned on premiums for the following cover types: Funeral Cover, Accidental Death Cover, Hospital Cash Cover and all types of Credit Life Cover. Only the payer of the premiums will earn ebucks; other lives insured and/or beneficiaries named in a Life Cover Policy won t earn ebucks. FNB Life The monthly premiums on your qualifying FNB Life Cover, Funeral Cover and/or Accidental Death Cover must be paid on time from an FNB Premier Cheque Account or FNB Fusion Premier Account. You won t earn ebucks for any month where premiums weren t paid either because you didn t make payment that month, or because FNB Life chose to waive your premium that month for any reason (for example in the month of your Premium Holiday ). The percentage earned back in ebucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life policies (including Life Cover, Critical Illness Cover, Disability Cover, Debt- Linked Cover, Funeral Cover and Accidental Death Cover). You won t earn ebucks on premiums for the following cover types: Law on Call, Hospital/Health Cash Cover and all types of Credit Life Cover. In the case of an FNB Life Policy, only the payer of the premiums will earn ebucks; other lives insured and/or beneficiaries named in the policy won t earn ebucks. The amount on which you earn ebucks is limited to a total monthly rand spend of R7 000.

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