997101 Mar13

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

Consumer Pricing Guide 1 July 2013 to 30 June 2014

Smart Banking
Get more value for your money, bank Smart with FNB Smart Account and Cheque Account.

how can we help you?

This guide contains the fees for the most commonly used transactions. Fees include VAT and are valid from 1 July 2013 to 30 June 2014. For a full list of fees please visit www.fnb.mobi, www.fnb.co.za or your nearest FNB Branch. Smart Account:
Pricing option and Monthly fee
You can choose from three Smart Account Pricing options

Smart Cheque Account:

Pricing option and Monthly fee

You can choose from three Smart Account Pricing options

Why choose this option?

Why choose this option?

Zero R0,00

If you are a part-time or seasonal worker If you do one or less than one ATM withdrawal per month If you do not want to pay a monthly fee and but are willing to pay more when you transact.

Pay-as-you-use (PAYU) R23,00

If you earn a regular salary If you want to pay a low monthly fee and do fewer transactions If you want to build a credit record and if you want to qualify for an Overdraft

Pay-as-you-use R11,50

If you earn a regular salary If you do 2-4 ATM withdrawals per month If you want to pay a low monthly fee and less when you transact

Fee- Saver R23,00

If you earn a regular salary If you want to pay a low monthly fee and less when you transact If you want to build a credit record and if you want to qualify for an Overdraft If you want to keep a minimum balance of R9000 in your account all month (every month) so that you will not pay for: - Electronic transactions - The first 6 ATM withdrawals every month - A combination of your first 3 branch, cheque and telephone banking transactions (excluding cash and cheque deposits) every month

If you get a regular salary and want to know what you pay in fees upfront If you do more than 5 ATM withdrawals per month (The first 6 ATM withdrawals are included in the R49) Unlimited R84,00

Unlimited R49,00

*For an additional R22 every month you can get R10 000 funeral cover. (Ts and Cs apply)

If you get a regular salary and want to know what you pay in fees upfront If you do more than 5 ATM withdrawals per month (The first 6 ATM withdrawals are included in the R84) If you want to build a credit record and if you want to qualify for an Overdraft If you want to get 1GB ADSL Data Free from FNB Connect every month

The following features on your account are FREE:

To open your FNB account No minimum balance is required To check your balance using FNB ATM, Cellphone, or Online Banking Paying with your Debit card when shopping Access to Cellphone and Online Banking Moving your salary and debit orders to your new account inContact we will SMS you if R100 or more goes in or out of your account SMS to notify you when new debit orders are loaded on your account

FREE REWARDS

For FNB Rewards Get up to 15% back on your monthly airtime or fuel spend No subscription fees for Rewards from FNB For more information on how to qualify and earn FNB Rewards please see the rewards guide available at any FNB branch or www.fnb.co.za

Know what your banking costs

Cheapest Smart Account Smart Cheque Account Most expensive Price Option Monthly cost for my account Minimum balance for rebate Account Fee Petrol Card Monthly Fee R13,50 R13,50 Zero PAYU Unlimited PAYU and Fee Saver* R23,00 Unlimited

Free

R11,50

R49,00

R84,00

R5000

R9 000

Roadside Assistance per month Get money into my account Salary paid electronically into your account Cheque Deposits (FNB ATM & Branch) Deposit cash - FNB ATM Deposit cash - FNB Branch ENC Upliftment Fee (Special Clearance) Deposit of post-dated cheque Shop without using cash Debit Card Purchases International Card Purchases ( 2.75% Comm & Convenience Fee applies) Petrol Card Purchases Buy Prepaid - Cellphone Banking & App Buy Prepaid - FNB ATM Buy Prepaid - FNB Online Banking Buy Prepaid FNB Telephone (IVR) Buy Lotto / Powerball Buy Prepaid at other banks ATM Buy Prepaid Telephone Banking Consultant FNB Connect Top-up

R5,00

R5,00

Free

Free

Free

Free

Free

R16,00

R16,00

R16,00

R16,00

R16,00

FNB ATM (0.7% of deposit value, minimum R5.50) 1,35% of deposit value, min R30 R80,00 R80,00 Free R80,00 R80,00 Free R80,00 R80,00 Free R80,00 R80,00 Free R80,00 R80,00 Free

Free

Free

Free

Free

Free

R1,00 R1,00 R1,00 R1,00 R1,50 R7,50 R8,50 Free

R1,00 R1,00 R1,00 R1,00 R1,50 R7,50 R8,50 Free

Free Free Free Free R1,50 R7,50 R8,50 Free

R4,50 R1,00 R1,00 R1,00 R1,00 R1,50 R7,50 R8,50 Free

Free Free Free Free Free R1,50 R7,50 R8,50 Free

Cheapest Smart Account Price Option Zero PAYU Unlimited Smart Cheque Account PAYU and Fee Saver* Unlimited

Most expensive Transfer money between my FNB accounts

Cellphone and App

R1,00

R1,00

Free

R1,00

Free

ATM

R4,20

R3,30

Free

R3,30

Free

Online Telephone (Consultant) Branch Make a payment to another persons or companys account Payments

R4,20 R27,50 R33,00

R3,30 R27,50 R33,00

Free R34,00 R40,00

R3,30 R27,50 R33,00

Free R34,00 R40,00

Cellphone and App FNB ATM, Online, Telephone (IVR) & scheduled Telephone (Consultant) Branch Cheque Bank Cheque Email Payment Notification SMS FAX

R1,00 R10,00

R1,00 R7,00

Free Free

R1,00 R7,00

Free Free

R27,50 R33,00 R33,00 R74,00 R0,68 R1,05 R4,85 Free

R27,50 R33,00 R33,00 R74,00 R0,68 R1,05 R4,85 Free

R34,00 R40,00 R40,00 R74,00 R0,68 R1,05 R4,85 Free

R27,50 R33,00 R33,00 R74,00 R0,68 R1,05 R4,85 Free

R34,00 R40,00 R40,00 R74,00 R0,68 R1,05 R4,85 Free

Scheduled Payment Fees

Establishment and amendment: online Establishment - branch

R12,50

R12,50

R12,50

R12,50

R12,50

Amendment - branch

R9,50

R9,50

R9,50

R9,50

R9,50

Debit Orders

Internal Debit Order External Debit Order

R4,20 R15,00

R3,50 R9,35

Free Free

R3,50 R15,90

Free Free

Unpaid Debit Order

R5,00

R60,00 for first 3, then R138,00 per item within 12 months

Other fees on Smart Account and Smart Cheque Account

R105,00 Smart Account Smart Cheque Account Price Option Send R20 - R1 000 Send money using eWallet Send R1 001 - R2 000 Send R2 001 - R3 000 Cash at a Till (e.g. Shoprite Checkers, Pick n Pay, PEP, Boxer and selected Spar) FNB Mini ATM: R500 FNB Mini ATM: R501 - R1 000 Other banks Mini ATM: R500 Other banks Mini ATM: R501 - 1000 FNB ATM: R500 FNB ATM: R501 - R1 000 Get Cash FNB ATM: R1001 - R1 500 FNB ATM: R1 500+ Cardless Cash Other Banks ATM FNB Branch cash and cashed cheque International ATM ( 2.75% Comm & Conv Fee applies) International Branch (l 2.75% Comm & Conv Fee applies) Chip and Pin card (non-personalised) Get a new card Personalised Card Petrol Card Monthly credit service fee: up to R199.00 of facility Monthly credit service fee: more than R200 of facility 40 Form (pages) 25 Form (pages) Get a cheque book Vouchers (cashed cheques returned to you) - Online Vouchers (cashed cheques returned to you) Branch and Telephone (consultant) R10,00 + FNB ATM fee R33,00 +1,49% of withdrawal amount R33,00 R33,00 +1,50% of withdrawal amount R75,00 R105,00 R33,00 +1,49% of withdrawal amount R25,00 R25,00 +1,50% of withdrawal amount R75,00 R105,00 R8,50 R12,50 R16,50 R2,00 Zero PAYU Unlimited PAYU and Fee Saver* R8,50 R12,50 R16,50 Free Unlimited R8,50 R12,50 R16,50 Free

R8,50 R12,50 R16,50 R0,90

R8,50 R12,50 R16,50 Free

R4,20 R8,40 R4,20 R8,40 R10,00 R20,00 R30,00 R40,00

R3,00 R6,00 R4,50 R9,00 R6,30 R12,60 R18,90 R25,20

Free Free R7,50 R7,50

R3,00 R6,00 R4,50 R9,00 R6,30

Free Free R7,50 R7,50

6 Free every month, then PAYU plan pricing

R12,60 R18,90 R25,20

6 Free every month, then PAYU plan pricing

R4,00 + FNB ATM fee on PAYU option R6,50 + FNB ATM fee R40,00 +1,49% of withdrawal amount R40,00 R40,00 +1,50% of withdrawal amount R75,00 R105,00 R33,00 +1,49% of withdrawal amount R25,00 R25,00 +1,50% of withdrawal amount R75,00 R105,00 R105,00 Free R30,00 R38,50 R42,50 Free R20,00 (per side) R40,00 +1,49% of withdrawal amount R40,00 R40,00 +1,50% of withdrawal amount R75,00 R105,50 R105,00 Free R30,00 R38,50 R42,50 Free R20,00 (per side)

Get Credit

Overdraft

*When you maintain a R9 000 balance in your account throughout the mouth on the Fee Saver pricing option you quality for the following benefits: No monthly account fee Unlimited qualifying electronic transactions (debit orders, prepaid purchases, transfers and payments) 6 free FNB ATM cash withdrawals A combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month.

Manage your account

It is cheaper to do your banking using an FNB ATM or Cellphone Banking than visiting an FNB Branch. Fees below are listed from cheapest to most expensive to help you make the best choice.
Cheapest

Most expensive

Know how much money is in my account

Subscriptions (Registration needed) Cellphone Banking & Online Banking In Contact Scheduled Payment Alert FNB ATM, Cellphone Banking, Online Banking, Telephone Banking (IVR), App Check my Balance (Customer request) POS International POS Telephone Banking (with a consultant) FNB Branch Other Banks ATM Balance Alert (Registration needed) Monthly Weekly Daily Insufficient Funds Alert (Registration needed) Free Free R2,75 Free R1,35 R2,50 R3,95 R3,95 R3,95 R0,90 R2,95 R14,80

We will notify you when there is no money for a debit order in your account

Free

Get my account statement

Monthly statement - emailed or collect from branch Mini statement cellphone banking mini statement Mini statement - FNB ATM Email of historic: Online (per statement) Email of historic: Branch & Telephone (per statement) Provisional statement requested via FNB Branch and telephone (per page) Posted/printed monthly statement Paper Daily Weekly Additional Statements Smart Cheque Account Only Twice Monthly Online Daily Weekly Twice Monthly Free Free R2,80 R5,50 R11,00 R11,00 R11,50 R80,00 R32,00 R16,00 R44,00 R20,00 R11,00

Cheapest

Most expensive

Stop a debit order Cellphone Banking Online Banking Telephone Banking (with a consultant) FNB Branch Penalty Fee
Unnecessary Avoid if possible

R5,00 R5,00 R15,00 R35,00

FNB ATM Decline Unpaid debit order - Smart Account Only All other declined transactions Reversal of incorrect Send Money to eWallet transaction Account balance exceeded (monthly incidental credit fee applicable for accounts opened after July 2007) Unpaid cheque or debit order Smart Cheque Account only

Free R5,00 R7,00 R20,00 R57,00 R60,00 for first 3, then R138,00 per item within 12 months R100,00 for first 3, then R135,00 per item within 12 months

Honouring Fee (applicable for Smart Cheque Accounts opened before the National Credit Act)

Other Fees Online Banking Account Verification (FNB & other Banks accounts) Online Banking: Viewing of payment history (older than 3 months) Online Banking Password reset (Telephone - Consultant) Card Courier Fee Device Courier Fee Cheque Book Courier Fee( applicable to Smart Cheque Account only) R4,10 R4,10 R52,50 R120,00 R150,00 R150,00

eWallet from FNB

eWallet Monthly Fee Balance enquiry Send money to eWallet From FNB Account to eWallet: R20 - R1 000 From FNB Account to eWallet: R1 001 - R2 000 From FNB Account to eWallet: R2001 R3000 Send money from eWallet to another eWallet Deposit money in eWallet Cash deposit at an FNB ATM Transfer money Transfer from eWallet to your FNB account

It is easy to send money to anyone, anywhere in South Africa using FNB Cellphone Banking, an FNB ATM or FNB Online Banking. All you need to receive money is a valid South African cellphone number.

Free Free

R8,50 R12,50 R16,50 R8,50

R5,00

R2,50 Free R3,30

From FNB Smart/Smart Cheque Account - Unlimited pricing plan From FNB Smart/Smart Cheque Account - Zero and Pay-as-you-use pricing plan Payments Purchase at store Payment to a bank account Buy prepaid airtime, electricity, data from FNB Get cash FNB ATM Cash Withdrawals (first withdrawal per send is free) Cash at a Till at selected retailers Penalty Fee Monthly Dormancy Fee (if you do not use eWallet for six months) Reversal of incorrect Send Money to eWallet transaction Declined Transaction at an FNB ATM

Free R2,50 R2,50

R6,00 per R500 (max R18,00) Free

R5,00 R20,00 Free

Mzansi and Social Grant Account

Account Mzansi Important to know: - You do not pay a monthly fee - You pay for 8 transactions a month, then you pay an additional fee of R8.00 per transaction after - Mzansi Account holders are limited to a maximum balance of R15 000 every month - You are allowed to have debit orders with this account - This account is no longer available for new customers and is valid only if you live in the eastern Cape, and get a grant of any kind from Eastern Cape Government - You are not permitted to have debit orders with this account R0,00 Monthly Cost

Social Grant

R6,20

Account Fee Monthly cost for my account Card Issuing Fee (Charged every month for first 6 months after account opening - Mzansi ony) Get money into my account Cheque Deposits (FNB ATM, & Branch) Deposit cash - FNB ATM Deposit cash - FNB Branch ENC Upliftment Fee Shop without using cash Card purchases FNB Connect Top-up Buy Prepaid - ATM, Cellphone, Online, Telephone (IVR), & App Buy Prepaid - Other Banks ATM Buy Prepaid - Telephone Banking (consultant) Buy Lotto / Powerball Transfer my money to a linked account ATM Cellphone Online Telephone (consultant) Branch Make a payment - transfer money to another account Cellphone and App ATM, Online, Telephone (IVR) & scheduled Internal debit order External debit order Telephone (consultant) Cheque Payments Branch Pay and clear now R1,00 R6,20 R3,30 R6,20 R27,50 R33,00 R33,00 R38,00 R6,20 R1,00 R6,20 R27,50 R33,00 Free Free R1,00 R7,50 R8,50 R1,50 R16,00 First free, then R6,20 Mzansi -R12,00 Social Grant - R15,00 R80,00 Mzansi -Free Social Grant - R6,20 R5,00

Scheduled payment fees Establishment and amendment: online Establishment - branch Amendment - branch Send money using eWallet Send up to R1000 Send R1001 - to R2000 Send R2000 R3000 Get Cash Cash@Till TM (e.g. Shoprite Checkers, Pick n Pay, PEP, Boxer and selected Spar) FNB Mini ATM: R0 - R1000 FNB ATM Other Banks ATM and Mini ATM (R0 - R1000) Cardless Cash FNB Branch Cash & Cashed Cheque Things I need to avoid No money to pay debit order (unpaid cheque/debit order) Honouring Fee Monthly incidental credit fee / account balance exceeded FNB ATM declined All other declined Reversal of incorrect Send Money to eWallet transaction Deposit of post-dated cheque Card replacement: Electron Know how much money I have in my account Balance enquiry at FNB Balance enquiry at POS Other banks ATM Other Fees Online Banking Password reset (Telephone - Consultant) Online Banking Account Verification (FNB & other Banks accounts) Viewing of payment history (older than 3 months) Get a statement Subscription: FNB Cellphone Banking Subscription: FNB Online Banking Subscription: Scheduled Payment Alert Subscription: My Limit Alert Free Free R 2,75 R 2,95 R 52,50 R 4,10 R 4,10 Free Free R 1,25 First free, then R5,00 R100 for first 3, then R135,00 R 57,00 Free R 7,00 R 20.00 R 45,00 R 75,00 R 0,90 R 2,50 R 6,20 R 6,20 R4,00 + FNB PAYU ATM Mzansi R12,00 Social GrantR15,00 R 8,50 R 12,50 R16,50 Free R 12,50 R 9,50

Get a statement Balance Alert: Monthly Balance Alert: Weekly Balance Alert: Daily Payment notification: email Payment notification: SMS Payment notification: fax Cellphone Banking Mini Statement FNB ATM (mini-statement) Provisional Statement (branch) R 0,90 R 2,95 R 14,80 R 0,68 R 1,05 R 4,85 Free R 2,80 R 11,00 per page

Stokvel and Smart Save Account

Account Stockvel Account Smart Save Account Important to know: - A book-based savings account for a group of people who want to save together - This account is no longer available to new customers - If you have R5000.00 in your Smart Save Account at all times during the month, you will get 10 free transactions (this does not include cash deposits, special instructions, penalty fees or statement charges) R5,50 Monthly Cost R5,50

Account Fee Monthly cost for my account Minimum balance for rebate Get Cash FNB Branch Put cash into my account Cheque Deposits at FNB ATM & Branch (per deposit) Cash deposit at FNB ATM Cash deposit at FNB Branch Linked Account Transfers Cellphone Banking and App FNB ATM, FNB Online Banking & Scheduled transfer, Telephone Banking (IVR) Manage my account Account Statements at FNB Branch or telephone banking Penalty Fees Lost book replacement fee R24,00 R11,00 per page R1,00 R3,30 R 16.00 0.70% of deposit amount (min R5.50) R4.00+1.49% of deposit amount R24,00 R5,50 R5000,00

Bank Smart
To save money, here are some tips to help you: 1. Go cashless Use your card to pay for goods Use Cellphone Banking Need more help with pricing options and banking fees? Visit your nearest FNB Branch Call the FNB Pricing Line on 087 575 9404 Use the Online Fee Calculator on www.fnb.co.za

Important information about our products and prices 2. How to avoid wasting money Make sure you have enough money in your account for your debit orders to avoid being charged a penalty fee Use an FNB ATM Advance to deposit cash 24/7the money is immediately available
FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new fees from time to time. We will give you at least 20 business days notice of these changes on the FNB website or on FNB ATMs Errors and omissions are excluded You must apply for each facility or product individually. The granting of any facility or product is subject to you meeting the credit and qualifying criteria of that product or facility Each facility or product has a set of terms and conditions relevant to that facility or product. We agree to these terms and conditions with the applicant. If there is a conflict between product and facility specific terms and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions that apply to such facility or product The Bank reserves the right to change at any time the features of any product or facility First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider

3. Use Cellphone Banking Use Cellphone Banking to: Buy prepaid airtime, electricity, and data Check your account balance Get a mini statement Stop debit orders Pay your clothing accounts Pay your bills/accounts Play Lotto To register for Cellphone Banking dial *120*321# Select more features then continue Enter the last 4 numbers on your FNB card Enter the PIN number for your FNB card Choose a Cellphone Banking PIN (keep this secret) You are now ready for Cellphone Banking: Dial *120*321# to use Cellphone Banking Dial *130*321# to buy airtime with no airtime