FNB Credit Card Swipe your FNB Credit Card when making purchases to earn eBucks

Straight – Classic Credit Account Earn 1% back when you spend between R1 - R5 000 on your credit card

Straight - Gold Credit Card Earn 1% back when you spend between R1 - R10 000 on your credit card

Straight - Platinum Credit Card Earn 1% back when you spend between R1 - R20 000 on your credit card

Budget - All Credit Cards Earn 1% back on all budget purchases on your credit card

Tip Earn twice: pay with your FNB card and earn from FNB, plus swipe your eBucks card at the till and earn from the eBucks retailer! Remember, the more you swipe the more you'll earn.

You can increase the eBucks you earn with and FNB Airtime Rewards »

Terms & Conditions:

The maximum amount of eBucks you can earn on your credit card spend differs between products. eBucks earned on linked cards will be credited into the primary member's eBucks account.

o up to R5 000 on Classic Credit Cards o up to R10 000 on Gold Credit Cards o up to R20 000 on Platinum Credit Cards

eBucks earned on linked cards will be credited into the primary member's eBucks account. eBucks cannot be earned on smart transfers, travellers cheques, foreign exchange, account, EFT's or cash payments. Monthly = statement date to statement date. FNB Credit Cards in arrears will not qualify to earn eBucks. FNB charge an annual Credit Card linkage fee of R200 to have your Credit Card linked to earn eBucks.

FNB Personal Cheque

Based on your banking behaviour, you can earn up to 2.5% back in eBucks on retail spend and up to 15% back in eBucks on fuel or airtime spend

How can I earn up to 2.5% back?

MAKE SURE YOU QUALIFY

1. Have an active cheque account in good standing*. 2. Update your contact details with a valid email address and/or cellphone number at least once in a twelve month period; and change your FNB

marketing consent indicator to 'Yes'** 3. Register for FNB's free messaging service InContact 4. Register and transact with FNB's Online, Cellphone, Telephone Banking or the FNB Banking App at least once a month. 5. Ensure that you deposit a total of at least the following minimum amounts into your FNB Cheque Account each month:

o Smart Cheque Accounts and Encore Accounts - R2 000 o Gold Accounts and Islamic Cheque Accounts - R5 500 o Platinum Accounts - R16 500 (Young Professional Accounts - R5 500)

6. Ensure that the monthly value of your Cheque Card swipes exceed the value of your monthly ATM cash withdrawals***

* Your account must also be in good standing which means that your account should not be overdrawn, in arrears, nor that you are in debt counselling or any legal process with FNB. ** Reviewed at the end of September 2012. *** Your ATM withdrawals must not exceed 30% of your monthly combined ATM and cheque card swipes; reviewed at the end of September 2012.

MAXIMISE YOUR eBUCKS EARN

Like with FNB Fuel Rewards and FNB Airtime Rewards, the percentage of eBucks you earn is based on the reward level you are on. On the highest reward level, you could earn 2.5% back in eBucks and 15% back on fuel/airtime*.

You simply need to: o Meet all the qualifying criteria stated above. o Accumulate points in order to determine your reward level - based on your banking behaviour and product holdings. o Earn eBucks which are calculated by applying the respective earn percentage to your qualifying monthly spend.

Reward level points are accumulated over a rolling 12 month period to determine your reward level.

The reward levels are as follows: Reward Level No. of points needed Percentage of eBucks you will earn on Retail swipes

1 5 000 0.4%

2 10 000 0.6%

3 14 000 0.8% *maximum rate for Smart Cheque Accounts

4 16 000 1.2% *maximum rate for Gold, Islamic and Encore Accounts

5 18 500 2.5% *maximum rate for Platinum Accounts

There are many ways to get reward level points. Each month, you can get points by fulfilling some or all of the banking criteria below.

Tip: You do not need to fulfill all the criteria but the more reward level points you have, the higher the reward level and the more eBucks you earn! These reward level points in turn determine how many eBucks you earn.

Banking criteria Monthly points you get

Maximum points you get for a 12 month period

1. Use one of the following credit products:

An overdraft facility of R500 or more where you use at least 10% of your overdraft facility. For example, if you have an overdraft of R5 000 ensure that you use at least R500 of the facility.

Temporary Loan. Revolving Loan.

300 3 600

2. The more products you hold the higher your reward level! Choose from a range of FNB banking products:

An active Savings Pocket with a minimum balance of R2 000 and Bank Your Change facility.

An active Multi-Currency Account. An active Tablet, Smartphone or Tablet contract. Insurance products linked to your cheque account (Optional Debt

Protection, Smart Device Insurance, Roadside Assistance).

200 (per product)

2 400 (per product)

An active Credit Card Emailed statements

3. Maintain a minimum balance in your FNB Cheque Account each month:

Platinum - R2 000 Gold, Encore and Islamic - R1 000

200 2 400

4. To reward you for your loyalty, you will receive extra reward level points every month if your FNB Cheque Account has been open for three years or more.

100 1 200

5. New FNB customers will receive a joining bonus in the month that you open your FNB Personal Cheque Account, so you can start earning eBucks from day one.

5 000

6. The more you spend using your FNB Cheque Card, the more reward level points you will get (you could get different points each month, depending on how much you spend that month. Qualifying Cheque Card spend is capped at R20 000 for Gold, Islamic Accounts, and capped at R10 000 for Smart Cheque and Encore Accounts)R250 - R999

R250 - R999 R1 000 - R2 499 R2 500 - R4 999 R5 000 - R9 999 R10 000 - R14 999 R15 000 - R19 999 R20 000 - R29 999 R30 000 - R49 999 R50 000 +

100 150 200 250 300 450 600 900 1 200

1 200 1 800 2 400 3 000 3 600 5 400 7 200 10 800 14 400

Note:

Rewards will be calculated by the 8th of each month based on the previous calender month. eBucks cannot be earned on EFT's

Terms & Conditions:

eBucks Rewards Rules and Qualifying Criteria on FNB Personal Cheque Accounts

1. To earn eBucks You must be resident in the Republic of South Africa.

2. To earn eBucks You must have a FNB Personal Cheque Card linked to one of the following FNB Personal Bank Accounts :Smart Cheque Account

2.1 Smart Cheque Account 2.2 Gold Bank Account 2.3 Platinum Bank Account 2.4 Islamic Cheque Account 2.5 Encore Cheque Account 2.6 Staff Account 2.7 Staff Pensioner Account

3. To earn eBucks you must be a Member of the eBucks Rewards Programme. For further information concerning the eBucks Rewards Programme please visit www.eBucks.com

4. To earn eBucks You must comply with the following qualifying rules: 4.1 You must deposit a minimum monthly amount into your FNB Personal Cheque Account as determined and communicated by FNB from time to time: Visit www.fnb.co.za or www.eBucks.com for more information or contact FNB on 0860 11 22 44 These requirements may change from time to time. 4.2 You must make your purchases with a qualifying FNB Personal Cheque Card listed in point 2 above; 4.3 Your accounts with FNB must be in good standing. Good standing means an account that is open, active and not more than one month in arrears, and you are not subject to debt counselling; 4.4 FNB must have your consent to market to you; 4.5 Your personal details must be updated at least once in a 12 month period with a valid e-mail address and cellphone number; 4.6 You must be registered for FNB's free messaging service InContact and linked to your FNB personal Cheque Account ; 4.7 Transact at least once a month using FNB’s wide range of electronic channels, including Cellphone Banking, Telephone Banking, Online Banking or the FNB Banking App. A transaction will only be deemed valid if the Online Banking, Cellphone Banking or Banking App is registered on the customers’ profile. Any transactions made via any other customers’ profile will not be considered. 4.8 You need to ensure that the value of your monthly Cheque Card purchases exceeds the value of your monthly ATM withdrawals. The ATM withdrawals will include all withdrawals made at FNB ATM’s as well as other Banks’ ATM’s. Cash@Till transactions will be included in the Cheque Cards purchases but no eBucks will be earned on Cash@Till transactions.

5. If the qualifying rules as stated above are not met you will not qualify to earn eBucks on your Cheque Card purchases. 6. Your total tiering points for a twelve month period determine the earn level at which you will be awarded eBucks. In order to qualify for a particular earn level, you will need to have total points greater or equal to the reward tier entry requirements. The rules pertaining to the earn level and the awarding of points will be published on www.FNB.co.za or www.eBucks.com.

FNB Smart Cheque

7. Only insurance products that are directly linked to your FNB Cheque Account (Optional Debt Protection; Smart Device Insurance; and Roadside Assistance) will be considered as points. 8. You cannot earn more than eB5 000 (R500) or less than eB20 (R2) on an FNB Personal Cheque Account per month. 9. eBucks earned will reflect every month, by about the 8th in your eBucks account monthly in arrears, as shown on your monthly FNB Personal Cheque Account statement. You will also be able to view your eBucks earned via your online banking profile or on www.eBucks.com. 10. If you have a dispute concerning the eBucks reflected on your monthly statement, you must contact FNB on 0860 11 22 44 within 30 days of the statement date. Failure to do this will mean that your statement is final and binding. 11. The terms and conditions relating to the eBucks Rewards Programme and these Rules may be amended by FNB from time to time. We will notify you of any material changes. 12. eBucks are not earned on FNB Visa Debit Card spend and from 1 July 2011, the eBucks earn booster does not apply. 13. FNB has the right to terminate eBucks rewards on FNB Personal Cheque Accounts immediately, if required as a result of changes in legislation or if deemed necessary for any other reason. 14. By registering for eBucks you agree to these rules. These rules apply in addition to the FNB General, FNB Product and FNB Visa Debit Card Terms and Conditions available on www.fnb.co.za and the general terms and conditions on www.eBucks.com 15. No eBucks will be earned on fuel purchases or any other purchase from a merchant categorised by the International Card Associations as a fuel retailer.

Based on your banking behaviour, you can earn up to 0.8% back in eBucks on retail spend and up to 15% back in eBucks on fuel or airtime spend

How can I earn up to 0.8% back?

MAKE SURE YOU QUALIFY 1. Have an active smart cheque account in good standing*. 2. Update your contact details with a valid email address and/or cellphone number at least once in a twelve month period; and change your FNB

marketing consent indicator to 'Yes'**

3. Register for FNB's free messaging service InContact 4. Register and transact with FNB's Online, Cellphone, Telephone Banking or the FNB Banking App at least once a month. 5. Ensure that you deposit a total of at least the following minimum amounts into your FNB Smart Cheque Account each month:Smart Cheque Accounts

and Encore Accounts - R2 000 Smart Cheque Accounts and Encore Accounts - R2 000

6. Ensure that the monthly value of your smart cheque card swipes exceed the value of your monthly ATM cash withdrawals***

* Your account must also be in good standing which means that your account should not be overdrawn, in arrears, nor that you are in debt counselling or any legal process with FNB. ** Reviewed at the end of September 2012. *** Your ATM withdrawals must not exceed 30% of your monthly combined ATM and cheque card swipes.; reviewed at the end of September 2012.

MAXIMISE YOUR eBUCKS EARN

Like with FNB Fuel Rewards and FNB Airtime Rewards, the percentage of eBucks you earn is based on the reward level you are on. On the highest reward level, you could earn 2.5% back in eBucks and 15% back on fuel/airtime*.

You simply need to: o Meet all the qualifying criteria stated above. o Accumulate points in order to determine your reward level - based on your banking behaviour and product holdings. o Earn eBucks which are calculated by applying the respective earn percentage to your qualifying monthly spend.

Reward level points are accumulated over a rolling 12 month period to determine your reward level.

The reward levels are as follows: RewardLevel No. of points needed Percentage of eBucks you will earn on Retail swipes

1 5 000 0.4%

2 10 000 0.6%

3 14 000 0.8% *maximum rate for Smart Cheque Accounts

4 16 000 1.2% *maximum rate for Gold, Islamic and Encore Accounts

5 18 500 2.5% *maximum rate for Platinum Accounts

There are many ways to get reward level points. Each month, you can get points by fulfilling some or all of the banking criteria below.

Tip: You do not need to fulfill all the criteria but the more reward level points you have, the higher the reward level and the more eBucks you earn! These reward level points in turn determine how many eBucks you earn.

Banking criteria Monthly points you get

Maximum points you get for a 12 month period

1. Use one of the following credit products:

An overdraft facility of R500 or more where you use at least 10% of your overdraft facility. For example, if you have an overdraft of R5 000 ensure that you use at least R500 of the facility.

Temporary Loan. Revolving Loan.

300 3 600

2. The more products you hold the higher your reward level! Choose from a range of FNB banking products:

An active Savings Pocket with a minimum balance of R2 000 and Bank Your Change facility.

An active Multi-Currency Account. An active Tablet, Smartphone or Tablet contract. Insurance products linked to your cheque account (Optional Debt

Protection, Smart Device Insurance, Roadside Assistance). An active Credit Card Emailed statements

200 (per product)

2 400 (per product)

3. Maintain a minimum balance in your FNB Cheque Account each month: Smart – R500

200 2 400

4. To reward you for your loyalty, you will receive extra reward level points every 100 1 200

month if your FNB Cheque Account has been open for three years or more.

5. New FNB customers will receive a joining bonus in the month that you open your FNB Personal Cheque Account, so you can start earning eBucks from day one.

5 000

6. The more you spend using your FNB Smart Cheque Card, the more reward level points you will get (you could get different points each month, depending on how much you spend that month. Qualifying Cheque Card spend is capped at R20 000 for Gold, Islamic Accounts, and capped at R10 000 for Smart Cheque and Encore Accounts)

R250 - R999 R1 000 - R2 499 R2 500 - R4 999 R5 000 - R9 999 R10 000 - R14 999 R15 000 - R19 999 R20 000 - R29 999 R30 000 - R49 999 R50 000 +

100 150 200 250 300 450 600 900 1 200

1 200 1 800 2 400 3 000 3 600 5 400 7 200 10 800 14 400

Note: Rewards will be calculated by the 8th of each month based on the previous calender month. eBucks cannot be earned on EFT's

Terms & Conditions:

eBucks Rewards Rules and Qualifying Criteria on FNB Personal Cheque Accounts

1To earn eBucks You must be resident in the Republic of South Africa. 2 To earn eBucks You must have a FNB Personal Cheque Card linked to one of the following FNB Personal Bank Accounts :Smart Cheque Account

2.1 Smart Cheque Account 2.2 Gold Bank Account 2.3 Platinum Bank Account 2.4 Islamic Cheque Account 2.5 Encore Cheque Account 2.6 Staff Account 2.7 Staff Pensioner Account

3To earn eBucks you must be a Member of the eBucks Rewards Programme. For further information concerning the eBucks Rewards Programme please visit www.eBucks.com 4 To earn eBucks You must comply with the following qualifying rules:

4.1 You must deposit a minimum monthly amount into your FNB Personal Cheque Account as determined and communicated by FNB from time to time: Visit www.fnb.co.za or www.eBucks.com for more information or contact FNB on 0860 11 22 44 These requirements may change from time to time. 4.2 You must make your purchases with a qualifying FNB Personal Cheque Card listed in point 2 above; 4.3 Your accounts with FNB must be in good standing. Good standing means an account that is open, active and not more than one month in arrears, and you are not subject to debt counselling; 4.4 FNB must have your consent to market to you; 4.5 Your personal details must be updated at least once in a 12 month period with a valid e-mail address and cellphone number; 4.6 You must be registered for FNB's free messaging service InContact and linked to your FNB personal Cheque Account ; 4.7 Transact at least once a month using FNB’s wide range of electronic channels, including Cellphone Banking, Telephone Banking, Online Banking or the FNB Banking App. A transaction will only be deemed valid if the Online Banking, Cellphone Banking or Banking App is registered on the customers’ profile. Any transactions made via any other customers’ profile will not be considered. 4.8 You need to ensure that the value of your monthly Cheque Card purchases exceeds the value of your monthly ATM withdrawals. The ATM withdrawals will include all withdrawals made at FNB ATM’s as well as other Banks’ ATM’s. Cash@Till transactions will be included in the Cheque Cards purchases but no eBucks will be earned on Cash@Till transactions.

5. If the qualifying rules as stated above are not met you will not qualify to earn eBucks on your Cheque Card purchases. 6. Your total tiering points for a twelve month period determine the earn level at which you will be awarded eBucks. In order to qualify for a particular earn level, you will need to have total points greater or equal to the reward tier entry requirements. The rules pertaining to the earn level and the awarding of points will be published on www.FNB.co.za or www.eBucks.com. 7. Only insurance products that are directly linked to your FNB Cheque Account (Optional Debt Protection; Smart Device Insurance; and Roadside Assistance) will be considered as points. 8. You cannot earn more than eB5 000 (R500) or less than eB20 (R2) on an FNB Personal Cheque Account per month. 9. eBucks earned will reflect every month, by about the 8th in your eBucks account monthly in arrears, as shown on your monthly FNB Personal Cheque Account statement. You will also be able to view your eBucks earned via your online banking profile or on www.eBucks.com. 10. If you have a dispute concerning the eBucks reflected on your monthly statement, you must contact FNB on 0860 11 22 44 within 30 days of the statement date. Failure to do this will mean that your statement is final and binding. 11. The terms and conditions relating to the eBucks Rewards Programme and these Rules may be amended by FNB from time to time. We will notify you of any material changes.

FNB Connect Earn eBucks when you use these FNB Connect products. To find out more or to apply online, visit FNB Connect today »

ConnectTalk Earn 1% back on every rand spend above R150 in any month. Example: If you spend R400 on voice calls in a particular month, you will earn 1% back on R250 (eB25).

ConnectSurf Earn 1% back on every rand spend above R150 in any month. Example: If you spend R400 on voice calls in a particular month, you earn 1% back on R250 (eB25).

The Rules :

eBucks may be earned on "top up" amounts as regarding any FNB Connect Talk or Surf product, as and when the call minutes or data bandwidth purchased via such "top up" amounts are actually utilised, but only in respect of amounts over R 150 (one hundred and fifty Rand) and such to the value of 1% (one per cent) of such amounts.

eBucks are calculated monthly (i.e. statement date to statement date) and in arrears. These Terms & Conditions may be amended from time to time and without notice to you. FNB Terms & Conditions apply.

12. eBucks are not earned on FNB Visa Debit Card spend and from 1 July 2011, the eBucks earn booster does not apply. 13. FNB has the right to terminate eBucks rewards on FNB Personal Cheque Accounts immediately, if required as a result of changes in legislation or if deemed necessary for any other reason. 14. By registering for eBucks you agree to these rules. These rules apply in addition to the FNB General, FNB Product and FNB Visa Debit Card Terms and Conditions available on www.fnb.co.za and the general terms and conditions on www.eBucks.com 15. No eBucks will be earned on fuel purchases or any other purchase from a merchant categorised by the International Card Associations as a fuel retailer.

FNB Private Clients Earn eBucks on FNB Private Clients Credit and Cheque Card transactions.

Earn 1% back when you spend on your FNB Private Clients Credit Card

Earn 0.8% back when you spend on your FNB Private Clients Cheque Card

Tip Earn twice: pay with your FNB Private Clients card and earn from the bank plus swipe your eBucks card at the till and earn from the eBucks retailer.

The Rules:

eBucks cannot be earned on cash withdrawals, transfers, travelers' cheques, foreign exchange, accounts or cash payments Per month = statement date to statement date eBucks earned on linked cards will be credited into the primary member's eBucks account FNB Private Clients Accounts in arrears will not qualify to earn eBucks Electron card do not qualify for eBucks or eBucks Discounts

FUEL or AIRTIME REWARDS (Cheque Card)

As of 1 July 2012, the way you get rewarded with Fuel or Airtime Rewards when swiping your FNB Private Clients Cheque Card changed.

Based on your banking behaviour, you can earn up to 15% back in eBucks on fuel or airtime spend

How can I earn up to 15% back?

MAKE SURE YOU QUALIFY

1. Have an active FNB Private Clients Cheque Account in good standing*. 2. Update your contact details with a valid email address and/or cellphone number at least once in a twelve month period; and change your FNB

marketing consent indicator to 'Yes'** 3. Register for the banks free messaging service InContact

4. Register and transact with Online, Cellphone, Telephone Banking or the Banking App at least once a month. 5. Ensure that you deposit a total of at least R40 000 into your FNB Private Clients Cheque Account each month. 6. Ensure that the monthly value of your FNB Private Clients Cheque Card swipes exceeds the value of your monthly ATM cash withdrawals***

* Your account must also be in good standing which means that your account should not be overdrawn, in arrears, nor that you are in debt counselling or any legal process with FNB. ** Reviewed at the end of September 2012. *** Your ATM withdrawals must not exceed 30% of your monthly combined ATM and cheque card swipes; reviewed at the end of September 2012.

Please Note: Joint accounts do not qualify to earn fuel or airtime rewards

FUEL or AIRTIME REWARDS (Credit and linked Petro Cards)

Based on your banking behaviour, you can earn up to 15% back in eBucks on fuel or airtime spend

How can I earn up to 15% back?

MAKE SURE YOU QUALIFY

1. Your Credit Card Accounts must be in good standing. 2. Buy fuel, on your FNB Private Clients Credit Card or on your FNB Private Clients linked Petro Card. 3. Purchase prepaid airtime through our electronic banking channels. 4. Ensure that you deposit a total of at least R40,000 into your FNB Private Clients Cheque Account each month.

You will get rewarded on the highest qualifying fuel or airtime spend. Please note that you will not be rewarded on both fuel and airtime spend.

MAXIMISE YOUR eBUCKS EARN

With Fuel and Airtime Rewards, the percentage of eBucks you earn is based on the reward level you are on. On the highest reward level, you could earn up to 15% back on fuel/airtime*.

You simply need to: o Meet all the qualifying criteria stated above. o Accumulate points in order to determine your reward level - based on your banking behaviour and product holdings. o Earn eBucks which are calculated by applying the respective earn percentage to your qualifying monthly spend.

Reward level points are accumulated over a rolling 12 month period to determine your reward level.

FNB One Account

Based on your banking behaviour, you can earn up to 2.5% back in eBucks on retail spend and up to 15% back in eBucks on fuel or airtime spend

How can I earn up to 2.5% back?

MAKE SURE YOU QUALIFY

If you hold an active One Account, you qualify for this offer. You will need to ensure that you meet all of the the following qualifying criteria:

1. Have an active One Account in good standing* 2. Have total monthly deposits of at least R16 500 made into your One Account** 3. Allow FirstRand to market to you and update your contact details with a functional email address and cellphone number at least once in a twelve month

period 4. Registered for FNB's free messaging service InContact 5. Register and transact with FNB's Online, Cellphone or Telephone Banking, or the FNB Banking App at least once a month 6. Ensure that the monthly value of your Cheque Card swipes exceeds the value of your monthly ATM cash withdrawals 7. Receive your One Account statements via email only 8. Have active FNB Cheque Cards only (not Debit Cards) linked to your One Account

* An account in good standing is one that is not overdrawn or in arrears, nor are you involved in any debt counselling or any legal or collections process with FNB.

** For One Accounts opened prior to November 2008, a minimum monthly deposit of R7500 is required. All qualifying criteria must be met. Only eBucks rewards can be earned.

MAXIMISE YOUR eBUCKS EARN

Like with FNB Fuel Rewards and FNB Airtime Rewards, the percentage of eBucks you earn is based on the reward level you are on. On the highest reward level, you could earn up to 2.5% back in eBucks and 15% back on fuel/airtime*.

You simply need to: o Meet all the qualifying criteria stated above o Accumulate points in order to determine your reward level - based on your banking behaviour and product holdings. o Earn eBucks which are calculated by applying the respective earn percentage to your qualifying monthly spend.

Reward level points are accumulated over a rolling 12 month period to determine your reward level.

The reward level are as follows:

Reward Level

Level Points required for reward rate Percentage of eBucks you will earn on retail swipes

1 5 000 0.4% 2 10 000 0.6% 3 14 000 0.8% 4 16 000 1.2% 5 18 500 2.5%

There are many ways to get reward level points. Each month, you can earn points by fulfilling some or all of the banking criteria below.

Tip: You do not need to fulfill all the criteria but the more reward level points you have, the higher the reward level and the more eBucks you earn! These reward level points in turn determine how many eBucks you earn.

* Terms and Conditions apply.

Ways to earn points Monthly

points you get

Maximum points you get for a twelve month period

1

Swipe your Cheque Card for purchases. (Please note that Debit Cards and Petrol Card purchases do not qualify to earn rewards - including Debit and Petrol Cards linked to your Cheque Account)

R250 - R999 R1 000 - R2 499 R2 500 - R4 999 R5 000 - R9 999 R10 000 - R14 999 R15 000 - R19 999 R20 000 - R29 999 R30 000 - R49 999 R50 000 +

100 150 200 250 300 450 600 900 1 200

1 200 1 800 2 400 3 000 3 600 5 400 7 200 10 800 14 400

2 Maintain an active FNB Credit Card 200 2 400

3 Have an active Smartphone, Tablet or Laptop through FNB 200 2 400

4 To reward you for your loyalty, you will receive extra reward level points every month if your FNB Cheque Account has been open for three years or more.

100 1 200

5 Keep a balance of R10 000 or more in an FNB Investment Account 200 2 400

6 Ensure that your One Account has not been in arrears three months preceding the month in which the points are allocated

200 2 400

7 New FNB customers will receive a joining bonus in the month that your initial bond is registered in the Deeds Office. This is a once off bonus.

5 000

Note: Rewards will be calculated by the 8th of each month based on the previous calender month. eBucks cannot be earned on EFT's

TERMS & CONDITIONS

eBucks Rewards Rules and Qualifying Criteria on FNB One Account 1. To earn eBucks, you must: 1.1 Be resident in the Republic of South Africa. 1.2 Only have active FNB Cheque Cards linked to your One Account. 1.3 Be a member of the eBucks Rewards Programme. For further information concerning the eBucks Rewards Programme please visit www.eBucks.com 1.4 Comply with the following qualifying rules, you must: 1.4.1 Deposit a minimum monthly amount into your FNB One Account as determined and communicated by FNB from time to time: Visit www.fnb.co.za or www.eBucks.com for more information or contact FNB on 0860 362 663. These requirements may change from time to time; 1.4.2 Make your purchases with a qualifying FNB Personal Cheque Card as listed above; 1.4.3 Your accounts with FNB must be in good standing, which means that your account should not be overdrawn, in arrears, nor that you are in debt counselling or in any legal processes with FNB; 1.4.4 FirstRand Bank Limited must have your consent to market to you and update your contact details with a functional email address and cellphone number at least once in a twelve month period; 1.4.5 Be registered for inContact; 1.4.6 Transact via Cellphone Banking or Online Banking or Telephone Banking or FNB Banking App; at least once a month (only financial transactions qualify); 1.4.7 Receive your One Account statement via email only; 1.4.8 Your monthly value of your Cheque Card swipes must exceed the monthly value of your ATM cash withdrawals; 1.4.9 Have active FNB Cheque Cards only (not Debit Cards) linked to your One Account

2. If the qualifying rules as stated above are not met you will not qualify to earn eBucks on your Cheque Card purchases. 3. Your total tiering points for a twelve month period determine the earn level at which you will be awarded eBucks. In order to qualify for a particular earn level, you will need to have total points greater or equal to the reward tier entry requirements. The rules pertaining to the earn level and the awarding of points will be published on www.fnb.co.za or www.eBucks.com 4. eBucks earned will reflect in your eBucks account monthly in arrears, as shown on your monthly FNB One Account statement. You will also be able to view your eBucks earned via your online banking profile or on www.eBucks.com 5. If you have a dispute concerning the eBucks reflected on your monthly statement, you must contact FNB One Account Contact Centre on 0860 362 663 within 30 days of the statement date. Failure to do this will mean that your statement is final and binding. 6. The terms and conditions relating to the eBucks Rewards Programme and these Rules may be amended by FNB from time to time. We will notify you of any material changes. 7. eBucks are not earned on FNB Visa Debit Card spend from 1 July 2012 8. FNB has the right to terminate eBucks rewards on FNB One Accounts immediately, if required as a result of changes in legislation or if deemed necessary for any other reason. 9. By registering for eBucks you agree to these rules. These rules apply in addition to FNB One Account Facility Agreement and FNB Card Terms and Conditions available on www.fnb.co.za and the general terms and conditions on www.eBucks.com 10. No eBucks will be earned on fuel purchases or any other purchase from a merchant categorised by the International Card Associations as a fuel retailer.

FNB Insurance

Earn eBucks on FNB Insurance policies.

Annual paid policies: eB500 per year

Monthly paid policies: eB50 per month

The Rules eBucks earn is not automatically added to your FNB insurance policy. To request it, provide FNB Insurance with your eBucks account number.

FNB Vehicle Finance

Earn eBucks with FNB Vehicle Finance's Concierge Service

FNB Premier and FNB/RMB Private Clients have exclusive access to the FNB Vehicle Finance Concierge Service where we reward you with up to 1% of your purchase price (pre-VAT) back in eBucks when the vehicle is sourced through the Concierge Service and financed with FNB Vehicle Finance. Our Concierge Service will source a vehicle for you, arrange test drives at a venue of your choice and negotiate prices and discounts on your behalf.

Benefits

We will source and deliver to you any new or used vehicles (excluding exotics) from pre-selected dealers on your behalf. We will also help you make comparisons between different vehicle models you may be thinking about.

We will arrange test drives for any vehicle of your choice except for exotics as well as provide comparable quotes. We will arrange your car's service and even provide a shuttle service from the dealer to your office and back. We commit to finding you the best possible price and all available discounts will be applied up-front. Any special deals from manufacturers will also be

made available. We will arrange for discounts for Driver Training / Hi-Jack Prevention Courses with South Africa's most reputable schools. We will assist you with trade-in evaluations. Enjoy a Personalised Interest Rate The choice of a Fixed or Variable Rate linked to the Prime Lending Rate The choice between an Instalment Sale or Lease Agreement Digitally sign your documents online using iContract - anywhere and anytime

How to Apply?

Apply for FNB Vehicle Finance on 0860 FNB CAR (362 227) or online www.fnb.co.za. To use the FNB Vehicle Finance Concierge Service, kindly contact your Premier or Private Banker.

The Rules

You have to be a FNB Premier or FNB Private Client To qualify for eBucks, your vehicle must be sourced through the Concierge Service and financed by FNB Vehicle Finance The Offer excludes exotic model vehicles

See Terms and Conditions for more information.

FNB FNB Forex

Earn eBucks when performing Forex transactions via the Forex tab using Online Banking

Consumers can now earn up to 25 % of their Forex charges back in eBucks!

As from 1 July 2012

15% back in eBucks for online outward and inward Forex payments. 25% for signing a standing instruction whereby you agree for us to process inward Forex payments on your behalf.

Learn more about Forex »

TERMS & CONDITIONS 1. Your participation in the programme 1.1 FNB Forex is an earn-partner of the eBucks Rewards Programme, which allows you to earn eBucks on qualifying foreign exchange transactions. 1.2 These terms and conditions must also be read with the terms and conditions published on the eBucks website, www.ebucks.com (hereinafter referred to as “the eBucks website”). If there is any conflict between the two, the terms and conditions on the eBucks website will prevail. 1.3 The programme is owned, run and managed by FNB-eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited. 1.4 FNB Forex may, at our discretion, include or exclude any qualifying foreign exchange transaction from taking part in the programme. 1.5 These terms and conditions must be read together with the product and service specific terms and conditions for the qualifying foreign exchange transactions available on www.fnb.co.za. 2. Earning eBucks

2.1 You will earn rewards in the form of eBucks on qualifying foreign exchange transactions, subject to clause 3 below. 2.2 You are responsible for any tax implications on any eBucks earned or spent from being a member of the eBucks Rewards Program. We recommend that you obtain independent professional advice regarding the tax consequences arising from the receipt or spend of any eBucks. 2.3 In order to earn eBucks, you must meet the qualifying criteria, as determined by FNB from time to time. 2.4 Qualifying Criteria: 2.4.1 You must be an FNB Customer within the Smart, Personal, Wealth or Business Banking segments; 2.4.2 You must be a member of the eBucks Rewards Programme with an eBucks account; 2.4.3 All your FNB accounts must be in good standing (means an account that is open, active and not more than one month in arrears and cannot be under debt review); 2.4.4 The transactions must be inward or outward foreign exchange payments in a foreign currency (not South African Rands); and 2.4.5 The inward or outward foreign exchange payments must be made via either online banking or through formal standing instruction: 2.4.5.1 Online Banking: means that customer has accepted the rate and asked for the payment to be made via our FNB online banking channel; 2.4.5.2 Formal Standing Instruction: a formal standing instruction for inward payments is where a customer has agreed for FNB to process the inward swift according to set rules without contacting the customer; and a formal standing instruction for outward payments is where the customer has a regular defined payment which the customer has authorised FNB to make on his behalf without subsequent intervention. 3. Exclusions 3.1 Rewards are not available to those customers already loaded on special discount or receiving pensioner pricing. 3.2 You will not earn eBucks on certain transactions as notified by us from time to time, including but not limited to foreign notes, travellers’ cheques, foreign currency account (FCA) funding, customer foreign currency account (CFC) funding, cash passport, Paypal, Moneygram or any other foreign exchange products. 4. General Earn Rules and Account Information 4.1 The eBucks received will be linked to the charges on the foreign exchange transactions (e.g. an earn of 15% will mean the customer may get 15% back on the commission we charge on the original transaction). The rewards are calculated in terms of the Earn Rules which will be determined by us from time to time. A copy of these Earn Rules, including the earn table with the earn percentages are available on www.ebucks.com 4.2 We will display the total eBucks you earn under your account profile on the eBucks website. This will be the sole record of eBucks earned. You may also enquire about the eBucks you have earned via the eBucks Call Centre. Your rewards will reflect on your account monthly in arrears, as shown on your monthly statement. You will also be able to view your rewards via your online banking profile. 4.3 You must ensure the eBucks displayed under your account profile on the eBucks website are correct. Should you have a dispute in respect to your rewards as reflected on your monthly statement, you must bring it to our attention in writing via the eBucks Call Centre within thirty (30) days after we display the eBucks under your eBucks account profile. Failure to do this will mean that your statement is final and binding. 4.4 We have the right to reverse eBucks accumulated by you via foreign exchange transactions, if the eBucks were awarded in error, or accumulated as a result of disqualified transactions. 5. Spending eBucks 5.1 You may spend your eBucks in accordance with the terms and conditions published on the eBucks website.

6. Amendments to the programme’s terms and conditions 6.1 The terms and conditions relating to the eBucks Rewards Programme for FNB Forex and the Earn Rules may be amended by us from time to time. We will give you reasonable notice of such change. 6.2 We will inform you of these changes either on the eBucks and/or www.fnb.co.za website or by sending you the changed terms and conditions. 6.3 eBucks may also amend the programme terms and conditions. eBucks will publish changes on the eBucks.com website. 7. End or suspension of the programme 7.1 We may end or suspend our participation as a partner in the eBucks Rewards Programme on reasonable notice to you. 7.2 You will not lose the eBucks earned up to the date we end or suspend our participation in the programme and you will be able to spend you accumulated eBucks in accordance with the terms and conditions published on the eBucks website. 8. Contact Information Any complaints or queries relating to the programme must be directed to the eBucks Contact Centre at: Telephone:087 320 3200 Email:info@eBucks.com Fax:0861100062

The Rules

All Forex transactions must be performed via online banking Only forex inward and outward payments qualify eBucks percentage is linked to the charges incurred by the customer eBucks will be paid in the month after the transaction was made.