The way you earn ebucks on your FNB Premier Bank Accounts is changing from 1 July 2018

The way you earn ebucks on your FNB Premier Bank Accounts is changing from 1 July 2018 Below is a summary of how the rules will be changing, and how these changes will affect you. Current rules (valid until 30 June 2018) New rules (effective 1 July 2018) The requirements are as follows: The requirements are as follows: Have a monthly deposit of at least R16 500 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB One Account or FNB Premier Select Cheque Account Have a monthly deposit of at least R16 500 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB One Account or FNB Premier Select Cheque Account R5 500 into an FNB Premier Young Professionals Account R5 500 into an FNB Premier Young Professionals Account Qualifying requirements Have average deposits over three months of at least R50 00 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account or FNB Premier Select Cheque Account Maintain a monthly balance of at least R50 000 in an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account or FNB Young Professionals Account Have average deposits over six months of at least R16 500 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account or FNB Premier Select Cheque Account Maintain a monthly balance of at least R50 000 in an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account or FNB Young Professionals Account R10 000 in an FNB Premier Select Cheque Account Maintain a monthly balance of at least R50 000 in your FNB Savings and Investment Account if you re an FNB Premier Select customer R10 000 in an FNB Premier Select Cheque Account Maintain a monthly balance of at least R50 000 in your FNB Savings and Investment Account if you re an FNB Premier Select customer Page 1 of 17

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: FNB Banking App Online Banking Cellphone Banking Telephone Banking (Interactive Voice Response only) 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: FNB Banking App Online Banking Cellphone Banking Telephone Banking (Interactive Voice Response only) Under 60 years You now qualify to earn ebucks, up to reward level 2, even if you re under 60 and don t transact on the FNB App. Simply meet the following requirements: The deposit/balance rule The good standing rule You transact via Online Banking (instead of logging on to the App) Ensure that ALL your FirstRand Bank accounts are in good standing. Ensure that ALL your FirstRand Bank accounts are in good standing. Move up a reward level Digital Banking Do at least four payments, transfers and/or purchases per month via the FNB Banking App (2 000 points) Have at least four monthly debit orders on your FNB Fusion Premier Account or FNB Premier Cheque Account (1 000 points) Digital Banking Do at least four payments, transfers and/or purchases per month via the FNB Banking App (2 000 points) Have at least four monthly debit orders on your FNB Fusion Premier Account or FNB Premier Cheque Account (1 000 points) Page 2 of 17

Use FNB's electronic banking channels to do ALL your payments, transfers and FNB Savings and Investment Account maintenance (1 000 points) "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 or if issuing cheques. Allow FNB to communicate with you by giving them consent to market to you Choose to receive all your statements via email only Update your contact details at least once in a 12-month period via FNB Online Banking (1 000 points) Have a monthly spend on your FNB Connect SIM card, excluding any device premiums, of: Have a monthly spend on your FNB Connect SIM card, excluding any device premiums, of: Between R200 and R299.99 (500 points) Between R300 and R599.99 (1 000 points) R600 or more (1 500 points) My cards Between R200 and R349.99 (500 points) Between R350 and R649.99 (1 000 points) R650 or more (1 500 points) My cards Have an FNB Fusion Premier Account (1000 points) Be on the FNB Premier bundled pricing option Set up an Auto Payment on your FNB Premier Credit Card from your FNB Premier Cheque Account (1 000 points) Have an FNB Fusion Premier Account (1000 points) Have Bank Your Change 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) Page 3 of 17

Spend more on your FNB cards and/or FNB Pay than the amount of cash you withdraw at ATMs and FNB branches during the month (500 points) Make sure your Cash@Till withdrawals are greater than the value of all your cash withdrawals at ATMs and FNB branches during the month (1 000 points) Spend on your FNB Fusion Premier Card or FNB Premier Credit Card in a calendar month for a Qualifying spend of: Spend more on your FNB cards and/or FNB Pay than the amount of cash you withdraw at ATMs and FNB branches during the month (500 points) Make sure your Cash@Till withdrawals are greater than the value of all your cash withdrawals at ATMs and FNB branches during the month (1 000 points) Spend on your FNB Fusion Premier Card or FNB Premier Credit Card in a calendar month for a Qualifying spend of: Between R1 500 and R2 999 (500 points) Between R3 000 and R5 999 (1 000 points) Between R6 000 and R14 999 (1 500 points) R15 000 or more (2 000 points) Use your FNB Fusion Premier Card, FNB Premier Credit Card or FNB Premier Cheque Card to shop online and/or swipe internationally for a Qualifying spend of: Between R250 and R999 per month (500 points) Between R1 000 and R1 999 per month (1 000 points) Between R2 000 and R4 999 per month (1 500 points) R5 000 or more per month (2 000 points) Use your FNB Fusion Premier Card and/or FNB Premier Credit Card instore and online for Qualifying spend of: Between 25% and 49.9% of your total monthly spend (500 points) Between 50% and 74.9% of your total monthly spend (1 000 points) Between 75% and 99.9% of your total monthly spend (2 000 points) 100% of your total monthly spend (3 000 points) Between R2 000 and R4 999 (500 points) Between R5 000 and R7 999 (1 000 points) Between R8 000 and R14 999 (1 500 points) R15 000 or more (2 000 points) Use your FNB Fusion Premier Card, FNB Premier Credit Card or FNB Premier Cheque Card to shop online and/or swipe internationally for a Qualifying spend of: Between R250 and R999 per month (500 points) Between R1 000 and R1 999 per month (1 000 points) Between R2 000 and R4 999 per month (1 500 points) R5 000 or more per month (2 000 points) Use your FNB Fusion Premier Card and/or FNB Premier Credit Card instore and online for Qualifying spend of: Between 25% and 49.9% of your total monthly spend (500 points) Between 50% and 74.9% of your total monthly spend (1 000 points) Between 75% and 99.9% of your total monthly spend (2 000 points) 100% of your total monthly spend (3 000 points) Page 4 of 17

Save Save Have an FNB Savings and Investment Account(s) with a balance that grows by at least R1 000 per month (including interest) (2 000 points) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading growth. Should your monthly withdrawals from your Savings Account(s) exceed the value of your monthly deposits, there will be no growth on your Savings Account(s). Have an FNB Savings and Investment Account(s) with a balance that grows by at least R1 000 per month (excluding interest) (500 points) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading growth. Should your monthly withdrawals from your Savings Account(s) exceed the value of your monthly deposits, there will be no growth on your Savings Account(s). Have an FNB Fixed Deposit Account with a fixed term of at least six months Maintain a monthly balance of at least R10 000 in the account (2 000 points) Have an FNB Fixed Deposit Account with a fixed term of at least six months Maintain a monthly balance of at least R15 000 in the account (2 000 points) Maintain a monthly balance in your FNB Fusion Premier Account or FNB Premier Cheque Account of: Between R5 000 and R14 999 (500 points) Between R15 000 and R54 999 (1 000 points) R55 000 or more (2 000 points) For Premier Select Account Holders Only: Have an FNB Fixed Deposit Account with a fixed term of at least 12 months maintain a monthly balance of at least R150 000 in the account Maintain a monthly balance in your FNB Fusion Premier Account or FNB Premier Cheque Account of: Between R5 000 and R14 999 (500 points) Between R15 000 and R54 999 (1 000 points) R55 000 or more (2 000 points) Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of: Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of: Page 5 of 17

Between R10 000 and R29 999 (1 000 points) Between R30 000 and R59 999 (1 500 points) R60 000 or more (2 000 points) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading Growth. Should your monthly withdrawals from your Savings Account(s) exceed the value of your monthly deposit, there will be no growth in your Savings Account(s). Between R15 000 and R34 999 (1 000 points) Between R35 000 and R69 999 (1 500 points) R70 000 or more (2 000 points) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading Growth. Should your monthly withdrawals from your Savings Account(s) exceed the value of your monthly deposit, there will be no growth in your Savings Account(s). Invest Make a single monthly contribution of at least R1 000 into an FNB Horizon Series Unit Trust within the following product: Horizon Series include: Endowment, Retirement Annuity, Living Annuity, Preservation Fund, Provident Fund and Investment Account (1 000 points) Invest Make a single monthly contribution of at least R1 500 into an FNB Horizon Series Unit Trust within the following product: Horizon Series include: Endowment, Retirement Annuity, Living Annuity, Preservation Fund, Provident Fund and Investment Account (1 000 points) Excludes FNB Tax-Free shares. Excludes FNB Tax-Free shares. Have an FNB Tax-Free Shares, FNB Tax-Free 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, FNB Tax-Free Horizon Series Unit Trust or Tax-Free Cash Deposit Account and make an annual contribution of at least: R33 000 (1 000 points) Have an FNB Tax-Free Shares, FNB Tax-Free 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, FNB Tax-Free Horizon Series Unit Trust or Tax-Free Cash Deposit Account and make an annual contribution of at least: R33 000 (1 000 points) Monthly contributions must be made via 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 2018 Have an FNB Global Account and maintain a minimum monthly balance of (2 000 points): Monthly contributions must be made via Scheduled Transfer or Debit Order. The total monthly and annual contributions must be made within the current tax year, which runs from 1 March 2018 to 28 February 2019 Have an FNB Global Account and maintain a minimum monthly balance of (1 000 points): Page 6 of 17

1 500 Australian Dollars, Euros, British Pounds, Canadian Dollars or US Dollars 90 000 Indian Rupees 9 000 United Arab Emirates Dirham or 9 000 Chinese renminbi 1 500 Australian Dollars, Euros, British Pounds, Canadian Dollars or US Dollars 90 000 Indian Rupees 9 000 United Arab Emirates Dirham Have a mandate with FNB Share Builder, FNB Share Investor or selfmanaged stockbroking FNB Securities account and maintain a trade value in listed shares of at least: R15 000 in the previous month or R90 000 over the last six months (1 000 points) R50 000 in the previous month or R300 000 over the last six months (2 000 points) R100 000 in the previous month or R600 000 over the last six months (3 000 points) Have a mandate with FNB Share Builder, FNB Share Investor or selfmanaged stockbroking FNB Securities account and maintain a trade value in listed shares of at least: R25 000 in the previous month or R75 000 over the last three months (1 000 points) R50 000 in the previous month or R150 000 over the last three months (2 000 points) This rule applies to FNB Securities local and global trader accounts. Self-managed stockbroking mandates apply to individual clients only and exclude FSPs (including IFA and 3rd party clients of Ashburton and FNB Securities). Trade volume is based on consideration, namely net of fees (excludes all CIS, corporate ac ions, journal, fee and zero brokerage transactions). All offshore investments, offshore holdings and offshore trusts are excluded from earning points under his category. Offshore Trade made on GTP is included. This rule applies to FNB Securities local and global trader accounts. Self-managed stockbroking mandates apply to individual clients only and exclude FSPs (including IFA and 3rd party clients of Ashburton and FNB Securities). Trade volume is based on consideration, namely net of fees (excludes all CIS, corporate actions, journal, fee and zero brokerage transactions). All offshore investments, offshore holdings and offshore trusts are excluded from earning points under this category. Offshore Trade made on GTP is included. Maintain a minimum monthly balance in your FNB Horizon Series Unit Trust of: R300 000 (1 000 points) R1 million (2 000 points) Maintain a minimum monthly balance over a rolling 3-month period in your FNB Horizon Series Unit Trust of: R400 000 (1 000 points) R1 million (2 000 points) Page 7 of 17

Meet the above rule and invest in the following wrappers: Endowment, Retirement Annuity, Living Annuity, Preservation Fund and Provident Fund (500 points) Fund your FNB Global Account(s) from your FNB Fusion Premier Account or FNB Premier Cheque Account to the value of R6 000 over the last 3 months (1 000 points) Borrow Borrow Have an Overdraft limit on your FNB Premier Cheque Account or a Credit Facility on your FNB Fusion Premier Account of at least R10 000 (1 000 points) Have a Credit Facility on your FNB Fusion Premier Account or an Overdraft limit on your FNB Premier Cheque Account of at least R10 000 Use at least R1 000 of your Overdraft limit or Credit Facility per month Deposit sufficient funds into your FNB Premier Cheque Account or FNB Fusion Premier Account to settle the outstanding balance on your credit facility during the month (2 000 points) Have a Credit Facility on your FNB Fusion Premier Account or an Overdraft limit on your FNB Premier Cheque Account of at least R10 000 Use at least R1 000 of your Overdraft limit or Credit Facility per month (2 000 points) You won't collect these points if your Fusion Account Credit Facility or Cheque Account Overdraft limit isn't used for at least 24hrs of a business day or if your account doesn t stay in a positive balance for at least 24hrs. Have an FNB Revolving Loan with a credit limit of at least R15 000 of which you've used an average of between 40% and 85% during the month (1 500 points) You won't collect these points if your Fusion Account Credit Facility or Cheque Account Overdraft limit isn't used for at least 24hrs of a business day or if your account doesn t stay in a positive balance for at least 24hrs. Have an FNB Revolving Loan with a credit limit of at least R15 000 of which you've used an average of between 40% and 100% during the month (1 500 points) Page 8 of 17

Have an FNB Revolving Loan with a credit limit of at least R15 000 of which you've used between 40% and 85% during the month Have signed an FNB Revolving Loan debit order mandate within the last two years (500 points) Have an FNB Personal Loan of at least R30 000 which you repay via a monthly debit order from your FNB Fusion Premier Account or FNB Premier Cheque Account (3 000 points) Home and Car Have an FNB Personal Loan or Student Loan of at least R40 000 which you repay via a monthly debit order from your FNB Fusion Premier Account or FNB Premier Cheque Account (3 000 points) Home and Car Have an FNB Home Loan or FNB One Account and use between: 70% to 79.9% of the Loan, Bond or Facility during the month (2 500 points) 80% to 89.9% of the Loan, Bond or Facility during the month (3 000 points) 90% to 100% of the Loan, Bond or Facility during the month (1 000 points) Usage is calculated using the outstanding and available balances i.e. Usage = Outstanding balance / (outstanding balance + available balance) Excludes home loan accounts where customers have access to funds up to the Principal Debt Amount. Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R200 000 (2 000 points) Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R200 000 Have a Flexi Facility on your FNB Home Loan or FNB One Account (1 000 points) Page 9 of 17

Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R200 000 Make your monthly FNB Home Loan repayment with a salary stop order or a debit order set up from your FNB Premier Cheque Account (1 000 points) 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 Premier Cheque Account or FNB Fusion Premier Account (1 000 points) 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 Premier Cheque Account or FNB Fusion Premier Account (1 000 points) 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 his requirement. 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. Family and insurance Insurance Draft a will with FNB as your executor and have your signed will with a signature date no older than five years kept in FNB's custody (1 000 points) Have an FNB Life Insurance Policy with a minimum combined cover of R400 000 Moved to Family Have an FNB Life Insurance Policy with a minimum combined cover of R600 000 Have a beneficiary with an ID and contact number for your Policy Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (1 000 points) Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (1 500 points) Page 10 of 17

Qualifying FNB Life Insurance Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover and all qualifying policies will count toward the minimum cover amount. Have an FNB Life Insurance Policy with Life Cover and at least two additional types of cover Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Additional cover types include Critical Illness Cover, Disability Cover, Debt- Linked Cover. Have FNB Life Cover of at least R1.2 million (500 points) Have an FNB Funeral Plan with at least two lives insured Have total minimum cover of R50 000 across all the lives insured Qualifying FNB Life Insurance Policies include Life Cover, Critical Illness Cover, Disability Cover, Debt-Linked Cover and Income Protection Cover. All qualifying policies will count toward the minimum cover amount. Have an FNB Life Insurance Policy with Life Cover and at least two additional types of cover Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Additional cover types include Critical Illness Cover, Disability Cover, Debt- Linked Cover. Have an FNB Funeral Plan with at least two lives insured Have total minimum cover of R60 000 across all the lives insured Have a beneficiary listed on your Plan Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Children will not count towards the required two lives insured. Only Funeral products where FirstRand Life Assurance is the insurer are eligible for ebucks. Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Children will not count towards the required two lives insured. Only Funeral products where FirstRand Life Assurance is the insurer are eligible for ebucks. Have an FNB Accidental Death Plan with total minimum cover of R600 000 Have an FNB Accidental Death Plan with total minimum cover of R600 000 Page 11 of 17

Have a beneficiary with an ID and contact number for your Policy Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account (500 points) Family *Qualifying FNB Islamic Banking customers will receive 3 000 concession points every month as these accounts are not eligible for Overdrafts or Personal Loans. Draft a will with FNB as your executor and have your signed will with a signature date no older than five years kept in FNB's custody (1 000 points) Have a linked FNBy Account on your profile (1 000 points) *Qualifying FNB Islamic Banking customers will receive 2 000 concession points every month as these accounts are not eligible for Overdrafts or Personal Loans. Points collected monthly 1 000 8 999 9 000 11 499 11 500 14 499 14 500 17 499 17 500 or more Points collected monthly 1 000 4 999 5 000 6 999 7 000 9 999 10 000 11 999 12 000 or more Your reward level 1 2 3 4 5 Your reward level 1 2 3 4 5 Earn ebucks According to Your Reward Level Reward rates In-store shopping: Credit Card/Fusion Card In-store shopping: Cheque Card 0.25% 0.5% 0.7% 1% 1 2% 2% Reward rates In-store shopping: Credit Card/Fusion Card In-store shopping: Cheque Card 0.25% 0.5% 0.7% 1% 1.2% 2% Online shopping: Credit Card/Fusion Card 1.0% 1.4% 2% 2.4% 4% Online shopping: Credit Card/Fusion Card 0.5% 0.7% 1% 1.2% 2% Page 12 of 17

Online shopping: Cheque Card 0.5% Online shopping: Cheque Card 0.25% Transport: Uber and Fuel 0.5% 2.5% 5% 7 5% 15% Transport: Uber 0.5% 2.5% 5% 7.5% 15% Fuel: Engen rand/litre* R0.10 R0.25 R0.75 R2.00 R4.00 Checkers & Shoprite 1% 2.5% 5% 7 5% 15% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% FNB Connect contracts and prepaid airtime 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 Life 1% 2.5% 5% 7.5% 15% Sending or receiving foreign currency through FNB Forex Sending or receiving foreign currency through FNB Forex Online, App and standing instruction fees 5% 10% 20% 30% 50% Online, App and standing instruction fees 5% 10% 20% 30% 50% *Fuel earn based on the inland ULP 95 petrol price. Only fuel purchases made at Engen will qualify for earn. Earn Rules If you have not qualified to start earning ebucks, you will earn as follows: 0.5% back in ebucks on in-store shopping at Checkers and Shoprite using your FNB Private Clients Cheque Card or FNB Private Clients Credit Card. Qualifying spend Qualifying spend (i.e. spend on which you earn ebucks) excludes EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn ebucks on FNB Money Market Transactor Accounts. If you have not qualified to start earning ebucks, you will earn as follows: 0.5% back in ebucks on in-store shopping at Checkers and Shoprite using your FNB Private Clients Cheque Card or FNB Private Clients Credit Card. Qualifying spend Qualifying spend (i.e. spend on which you earn ebucks) excludes Cash@Till, transfers, EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions. You don't earn ebucks on FNB Money Market Transactor Accounts. Shopping Shopping Page 13 of 17

Shopping spend limits apply irrespective of whether you shop domestically or internationally. In-store shopping The amount on which you earn ebucks is limited to a total monthly Rand spend (on qualifying card swipes only) of R20 000 on your qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you ll earn ebucks on in-store shopping purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%. You won t earn ebucks on in-store shopping purchases above the R20 000 spend limit made using your FNB Premier Cheque Card. Your FNB Fusion Premier Card/FNB Premier Credit Card spend is considered first toward the spend limit. 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 FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you ll earn ebucks on online purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%. You won t earn ebucks on online purchases above the R5 000 spend limit made using your FNB Premier Cheque Card. Your FNB Fusion Premier Card/FNB Premier Credit Card spend is considered first towards the spend limit. Shopping spend limits apply irrespective of whether you shop domestically or internationally. In-store shopping The amount on which you earn ebucks is limited to a total monthly Rand spend (on qualifying card swipes only) of R10 000 on your qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you ll earn ebucks on in-store shopping purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%. You won t earn ebucks on in-store shopping purchases above the R10 000 spend limit made using your FNB Premier Cheque Card. Your FNB Fusion Premier Card/FNB Premier Credit Card spend is considered first toward the spend limit. Online shopping The amount on which you earn ebucks is limited to a total monthly Rand spend (on qualifying online spend only) of R2 500 on your qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you ll earn ebucks on online purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%. You won t earn ebucks on online purchases above the R2 500 spend limit made using your FNB Premier Cheque Card. Your FNB Fusion Premier Card/FNB 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 FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total Rand spend (on Checkers and Shoprite in-store shopping only) of R10 000 per month, whichever occurs first. Checkers & Shoprite The amount on which you earn ebucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total Rand spend (on Checkers and Shoprite in-store shopping only) of R2 000 per month, whichever occurs first. Page 14 of 17

You won t earn ebucks on purchases made at MediRite Pharmacies or Money Market counters. If you haven t yet met the qualifying requirements, you ll earn 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. You won't earn ebucks on purchases made at MediRite Pharmacies, Money Market counters, Computicket, Computicket Travel, and Cash@Till withdrawals. If you haven t yet met the qualifying requirements, you ll earn 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. Fuel: Engen Transport: Fuel and Uber 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 Earn up to R4/litre for your fuel spend at Engen only, based on the price of inland ULP 95. No earn will be awarded on fuel purchases at any other fuel retailers. For more information on the new fuel earn exclusive to Engen, click here. The amount on which you earn ebucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total rand spend (on Engen fuel) of R2 000 per month, whichever occurs first. You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel through the Engen fuel station pay point. You won't earn ebucks if you pay for Engen fuel at the Quickshop at the Engen fuel station. An FNB Premier Linked Petro Card will qualify to earn ebucks when you fill up at any Engen fuel station. Note: You ll not earn ebucks on Engen fuel spend above the R2 000 spend limit made using your FNB Premier Credit Card and your FNB Premier Cheque Card spend is considered first towards the spend limit. Transport: Uber The amount on which you earn ebucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total Page 15 of 17

rand spend (on fuel and Uber rides only) of R4 500 per month, whichever occurs first. You only earn ebucks on Uber rides taken domestically. You can fill up at any domestic fuel station, but you must pay for your fuel through the fuel station pay point. You won't earn ebucks if you pay for fuel at the convenience store at the fuel station. An FNB Premier Linked Petro Card will qualify to earn ebucks when you fill up at any fuel station. FNB Connect contracts and prepaid airtime The amount on which you earn ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect contracts and/or prepaid spend only and excludes any device premiums linked to your contract. FNB Life The amount on which you earn ebucks is limited to a total monthly rand spend of R7 000. The monthly premiums on your qualifying FNB Life Insurance Policy, Funeral Plan and/or Accidental Death Plan must be paid on time from an FNB Fusion Premier Account or FNB Premier Cheque 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 Insurance, Critical Illness Cover, Disability Cover, Debt-Linked Cover, Income Protection Cover, Funeral Plan and Accidental Death Plan). You won t earn ebucks on premiums for the following cover types: Law on Call, Lifestyle Protection, Pay Protect, Smart Embedded, Smart Cover, 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. rand spend (on Uber rides only) of R1 000 per month, whichever occurs first. You only earn ebucks on Uber rides taken domestically. FNB Connect contracts and prepaid airtime The amount on which you earn ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect contracts and/or prepaid spend only and excludes any device premiums linked to your contract. FNB Life The amount on which you earn ebucks is limited to a total monthly rand spend of R7 000. The monthly premiums on your qualifying FNB Life Insurance Policy, Funeral Plan and/or Accidental Death Plan must be paid on time from an FNB Fusion Premier Account or FNB Premier Cheque 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 Insurance, Critical Illness Cover, Disability Cover, Debt-Linked Cover, Income Protection Cover, Funeral Plan and Accidental Death Plan). You won t earn ebucks on premiums for the following cover types: Law on Call, Lifestyle Protection, Pay Protect, Smart Embedded, Smart Cover, 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. Page 16 of 17

FNB Forex The ebucks you ll earn will be paid in the month after the transaction was done. You ll only earn ebucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African Rand). All FNB Forex transactions must be done via the FNB Banking App or FNB Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf. You don't earn ebucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal, MoneyGram or any other foreign exchange products. You also don't earn ebucks when you re transacting on a special discount or pensioner pricing. Things to remember 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). FirstRand Bank accounts include, but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts. Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, inter-account transfers, deposits and the viewing of accounts. Card spend excludes Cash@Till, EFTs and Transfers. 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. FNB Forex The ebucks you ll earn will be paid in the month after the transaction was done. You ll only earn ebucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African Rand). All FNB Forex transactions must be done via the FNB Banking App or FNB Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf. You don't earn ebucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal, MoneyGram or any other foreign exchange products. You also don't earn ebucks when you re transacting on a special discount or pensioner pricing. Things to remember 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). FirstRand Bank accounts include, but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts. Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, inter-account transfers, deposits and the viewing of accounts. Card spend excludes Cash@Till, EFTs and Transfers. 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 high-level summary of the Earn Rule changes and in no way, represent the complete programme rules. For more information, visit the Earn section. Page 17 of 17