Connect. Product Pricing and Rewards Guide November 2017

Connect Product Pricing and Rewards Guide November 2017 For promotion end dates please see Terms and Conditions on FNB.co.za New rewards will be available effective from 1 July 2017 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). V4.3-14-09-2017

CONNECT Why Connect? Connect from FNB is our innovative cellular offering that lets you manage your cellular spend as easily as you manage your banking. Choose a SIM and/or a device that suits your individual needs. Rewards* Flexibility Control Spend at least R200 every month on FNB Connect to move up a reward level* AND Up to 15% back in ebucks on your SIM spend. Choose from a range of packages from Prepaid to Postpaid. Connect Flexi is our flagship product and allows you to change your voice, data and SMS bundles monthly. Manage your cellular spend on all your SIMs easily on FNB s Digital channels as you do your banking and have complete control of your monthly usage. Click to view all your Connect SIMs My SIM Cards My My My SIM Accounts Cards Cards Contract Name Airtime Voice SMS Data Never run out of airtime or data again Add Auto Top Up Top up when I reach A Date An Amount Set an Auto Top Up and get 1GB FREE Celeste s Phone - 50 MIN 50 SMS 50.00 MB Top Up 2781***4423 Liam s iphone - 57 MIN 159 SMS 158.57 MB Top Up 2761***1304 Mika s Phone - 149 MIN 100 SMS 98.18 MB Top Up 2761***3249 Add a SIM Card - you can port here Voucher Type Airtime How much? (recharge amount) 7.00 Please note This top up will take effect as soon as your airtime reaches R5.00 Maximum Limit 50.00 See and manage all your SIMs from one central place, just like you do with your bank accounts. Auto Top Up automatically tops you up with airtime and data when you re running low - to a chosen amount, and you can set a monthly limit. Click to avoid bill shock Click to decide: Device or no device FNB Connect Settings Transaction History Installment p.m. ZAR 499.00 Installment p.m. ZAR 120.00 Connect 200-2761***1304 08 Oct 2015 05:34:08 DATA FNB INTERNET 0.08 MB 0.00 08 Oct 2015 05:34:08 08 Oct 2015 05:34:08 DATA FNB INTERNET 0.35 MB 0.00 INTERNATIONAL 91799005524 00:00:24-0.35 VOICE Create your own Bundle 100SMS ZAR R35.00 Change Remove Apple iphone 6 Plus 16GB Bundle 50MB ZAR R15.00 Bundle 100MIN ZAR R90.00 View your balances and real time transaction history, at any time, at no extra cost, just like you do with your bank statements. Choose any device on any package, and keep track of your device repayments like you do with your bank loans. Click to create your own Flexi package and adjust it monthly Connect Flexi Month to Month You decide how much you want VOICE 200 0 30MIN 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN Get a Connect Flexi package and receive 1GB FREE Click to manage your SIMs like you manage your bank accounts My SIM Nickname CONNECT 200 SIM Status Active Active Subscription Type Contract DATA 1GB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS 100 0 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS SIM Management View PUK Order Replacement SIM SIM Swap View Order Swap Adjust your voice, data and SMS bundles from month to month, as your needs change. View your PUK number, block or unblock a SIM, order replacement SIMs or do a SIM swap. *Subject to your account type and reward level *For promotional Terms and Conditions visit FNB.co.za

CONNECT Double your Data Double your data on your Once-off Data Bundle Purchases Buy a Once-off Data Bundle Get an extra FREE Data Bundle Get double your data on your data purchase Get 1GB FREE data when you take up a Connect Top Up Voice package* PLUS Double your Data when you take up new qualifying Top Up packages Get Top Up M for only R130 100Min 300MB 100SMS FREE 300MB data* 100Min 600MB 100SMS Get Top Up L for only R280 200Min 1GB 300SMS FREE 1GB data* 200Min 2GB 300SMS Get Top Up XL for only R499 300Min 2GB 500SMS FREE 2GB data* 300Min 4GB 500SMS Get Top Up XXL for only R895 500Min 4GB 1 000SMS FREE 4GB data* 500Min 8GB 1 000SMS *Note: The double the data FREE additional bundles on your monthly subscription will be for 6 month from take up. Please see promo T/Cs for the extra double bundles. *For promotional Terms and Conditions visit FNB.co.za

CONNECT Package options Which package is for me? Ultimate 4 000 Voice minutes to any network in South Africa Flexi Voice Month to month package no strings attached Build your own voice, data and SMS package Change your voice, data and SMS bundles monthly Flexi Data Month to month package no strings attached Build your own data package Change your data bundle monthly Top Up Voice Month to month voice package no strings attached Choose from our Data Centric Top Up Packages (XS, S, M, L, XL, and XXL) that come with pre-selected voice, data and SMS Limit your spend plus have the flexibility to top up when needed Top Up Data Month to month data package no strings attached Choose from our Top Up 500MB, 1GB, 2GB and 5GB packages that comes with pre-selected data Limit your spend plus have the flexibility to top up when needed Prepaid Top up with airtime, data or SMS bundles as you need through FNB s Digital Channels anytime anywhere Set up an Auto Top Up and never run out of airtime while on a call Note: *Ultimate packages are subject to a fair usage policy of 4 000min.

01 CONNECT Ultimate Get 5GB FREE when you take up a Connect Ultimate package. How to build your Voice package. You get: You choose: Connect SIM 4000 Voice minutes calls to national numbers*. Monthly data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Connect Top Up Ultimate R399 Packages Connect Ultimate (Postpaid) R399 Optional Recurring Data Bundles (For Connect Ultimate (Postpaid) customers only) Earn back in ebucks on your Connect SIM spend Out-of- Bundle Rate Bundle Price 15.0% Voice R1.50/Min 50 MB R 15 100 MB R 28 500 MB R 35 5.0% 7.5% Data R1.00/MB 1 GB R 65 2 GB R 95 5 GB R 245 ebucks Reward Level 1.0% 1 2.5% 2 3 4 5 SMS R0.50/SMS 10 GB R 465 20 GB R 925 50 GB R 2199 100GB R3 999 How you can be rewarded Sanele gets great value from the Connect Ultimate package. He purchases 2GB recurring for only R95! But, because he is on ebucks Reward Level 5, Sanele is rewarded with eb143 on his purchase. In essence, he only pays R81 for 2GB. eb Level 5 Customer **Note: Ultimate packages are subject to a fair usage policy of 4 000min. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products. Amount of ebucks earn is subject to your account type and reward level. Free data is subject to a successful Connect debit order on your Ultimate package. *For promotional Terms and Conditions visit FNB.co.za

02 CONNECT Flexi Voice and Data Get 1GB FREE when you take up a Connect Flexi package. How to build your Flexi package. You get: You choose: Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND Up to 15% back in ebucks on your SIM spend. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Flexible Solutions VOICE 0 30MIN 200 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN R28 R46 R90 R172 R287 R390 R750 R1400 DATA 1GB 0 50MB 100MB 500MB 1GB 2GB 5GB 10GB 20GB R15 R28 R35 R65 R95 R245 R465 R925 SMS 100 0 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS R20 R35 R45 R65 R85 R115 Earn back in ebucks on your Connect SIM spend 15.0% Out-of- Bundle Rate Voice R0.95/Min Did you know? ebucks Reward Level 1.0% 1 7.5% 5.0% 2.5% 2 3 4 5 Data R1.00/MB SMS R0.50/SMS With FNB Connect Flexi Voice and Data, you can change your monthly allocation to suit your cellular needs. **Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products. Free data is subject to a successful Connect debit order on your Flexi package *For promotional Terms and Conditions visit FNB.co.za

02 General Information Expiry Flexi bundles Expire after 30 days Once-off bundles Expire after 30 days Please note 1 You will need to be scored for Flexi products.ts. 2 The following debit order dates are available: - 1st of the month - 20th of the month - 25th of the month - Last day of the month (In the event of a debit order failing, debit order dates may be adjusted) 3 As a Flexi customer you are billed for your usage in arrears (that is, you use first and pay later). 4 Connect Flexi Contracts go to www.fnb.co.za (Online Banking) to take up this product. Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

03 CONNECT Top Up Voice Get 1GB FREE when you take up a Connect Top Up Voice package How to build your Top Up package. You get: You choose: Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND Up to 15% back in ebucks on your SIM spend. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Connect Top Up XS 30Min 90MB + 1GB Free on activation 30SMS R45 Connect Top Up L 200Min 1GB + 1GB Free* + 1GB Free on activation 300SMS R280 Connect Top Up S 50Min 150MB + 1GB Free on activation 50SMS R70 Connect Top Up XL 300Min 2GB + 2GB Free* + 1GB Free on activation 500SMS R499 Connect Top Up M 100Min 300MB + 300MB Free* + 1GB Free on activation 100SMS R130 Connect Top Up XXL 500Min 4GB + 4GB Free* + 1GB Free on activation 1 000SMS R895 Earn back in ebucks on your Connect SIM spend 15.0% Out-of- Bundle Rate Voice R0.95/Min How you can be rewarded ebucks Reward Level 1.0% 1 7.5% 5.0% 2.5% 2 3 4 5 Data R1.00/MB SMS R0.50/SMS eb Level 4 Customer Tristan purchases the Connect Top Up L for R280. Luckily enough, he is on ebucks Reward Level 4 and receives eb210 back for his purchase. He effectively only pays R259! As an extra bonus, he will get an extra 1GB of data for the first six months, and he gets 1GB free data upon activation. **Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. Voice calls are billed on a per second basis. Free data is subject to a successful Connect debit order on your Top Up Voice package Subject to your account type and Reward Level. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products. Please see Promo T/Cs for the extra double bundles. *For promotional Terms and Conditions visit FNB.co.za

03 General Information Expiry Once-off bundles Expire after 30 days Please note 1 The following debit order dates are available for Top Up Voice packages: - 1st of the month - 15th of the month - 20th of the month - 25th of the month - Last day of the month (In the event of a debit order failing, debit order dates may be adjusted) 2 The following for the first debit order for Top Up Packages: Your first bill will consist of a prorated amount as well as the standard monthly charge of your package for the following month. After your first invoice you will receive the standard monthly charge for your package. Example Prorata Calculation for Top Up Data packages If you joined up on a Top Up M package on the 15th of January, your first invoice would be made up of the remaining portion of the package fee for the time you were with us in January (Prorata) and one month s package in advance (For the month of February). 16 Days remaining for January 31 Days in January x Package Charge (R130) = Prorata (R67.10) Prorata (R67.10) + + + = Package Charge (R130) Call Line Identity Jan & Feb (R6 x2) SIM & Connection Fee (R50) First Invoice Amount (R259.10) Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

04 CONNECT Top Up Data How to build your Top Up package. You get: You choose: Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND Up to 15% back in ebucks on your SIM spend. Monthly voice, data and SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Top Up packages Connect Top Up 500MB 500MB R35 Connect Top Up 1GB 1GB R65 Connect Top Up 2GB 2GB R95 Connect Top Up 5GB 5GB R245 Earn back in ebucks on your Connect SIM spend 15.0% Out-of- Bundle Rate Voice R2.50/Min How you can be rewarded ebucks Reward Level 1.0% 1 7.5% 5.0% 2.5% 2 3 4 5 Data R1.00/MB SMS R0.50/SMS eb Level 4 Customer Cynthia take advantage of the Top Up 2GB package for only R95. She gets back eb71 for her purchase because she is on ebucks Reward Level 4. That means, she only pays R88 - now that s a deal! Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. *Voice calls are billed on a per second basis. *Subject to your account type and Reward Level. ebucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect products.

04 General Information Expiry Once-off bundles Expire after 30 days Please note 1 The following debit order dates are available for Top Up Data packages: - 1st of the month - 15th of the month - 20th of the month - 25th of the month - Last day of the month (In the event of a debit order failing, debit order dates may be adjusted) 2 The following for the first debit order for Top Up Packages: Your first bill will consist of a prorated amount as well as the standard monthly charge of your package for the following month. After your first invoice you will receive the standard monthly charge for your package. Example Prorata Calculation for Top Up Data packages If you joined up on a Top Up 1GB package on the 15th of January, your first invoice would be made up of the remaining portion of the package fee for the time you were with us in January (Prorata) and one month s package in advance (For the month of February). 16 Days remaining for January 31 Days in January x Package Charge (R65) = Prorata (R33.55) Prorata (R33.55) + + + = Package Charge (R65) Call Line Identity Jan & Feb (R6 x2) SIM & Connection Fee (R50) First Invoice Amount (R160.55) Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

CONNECT Promotional Packages Get up to 10GB FREE data on selected promotional packages Order your SIM & Device deal by logging into FNB Online Banking You get: A Smart Device Connect SIM FREE Monthly Voice/ Data/SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Postpaid Promo Packages Promo Ultimate FREE 4 000min 100MB 50SMS + 5GB Free on activation Connect Data 500MB FREE 500MB Connect Data 1GB FREE 1GB + 10GB Free on activation Connect Data 150MB FREE Once-off 500MB + 150MB No subscription fees for the Promotional Connect SIM (Pay only for the device). FREE with selected devices Out-of-Bundle Rate: Voice R1.50/Min Data R1.00/MB SMS R0.50/SMS ConeXis Smart Phones Connect Top Up Easy FREE 15min 50MB FREE with ConeXis A1/ A2 Get 10GB FREE when you take up this Connect Package Connect Top Up Gold FREE 25min 100MB FREE with ConeXis X1/ X2 Get 20GB FREE when you take up this Connect Package No subscription fees for the Promotional Connect SIM (Pay only for the device). Out-of-Bundle Rate: Voice R1.50/Min Data R1.00/MB SMS R0.50/SMS Note: Free data is subject to a successful Connect debit order on your Top Up Voice package. *For promotional Terms and Conditions visit FNB.co.za

CONNECT SIM & Device Deals Get 20GB FREE when you take up this Connect Package Order your SIM & Device deal by logging into FNB Online Banking You get: A Smart Device Connect SIM FREE Monthly Voice/ Data/SMS bundles Plus no data/usage charges when accessing FNB s Digital Channels. Data Centric Top Up Promo Packages Connect Top Up XS FREE 30min 90MB 30SMS + 20GB Free on activation FREE with selected devices Connect Top Up M FREE 100min 300MB + EXTRA 300MB* 100SMS + 20GB Free on activation FREE with selected devices Connect Top Up XL FREE 300min 2GB + EXTRA 2GB* 500SMS + 20GB Free on activation Connect Top Up S FREE 50min 150MB 50SMS + 20GB Free on activation FREE with selected devices Connect Top Up L FREE 200min 1GB + EXTRA 1GB* 300SMS + 20GB Free on activation FREE with selected devices Connect Top Up XXL FREE 500min 4GB + EXTRA 4GB* 1 000SMS + 20GB Free on activation No subscription fees for the Promotional Connect SIM (Pay only for the device). Out-of-Bundle Rate: Voice R0.95/Min Data R1.00/MB SMS R0.50/SMS Note: The double the data FREE additional bundles on your monthly subscription will be for 6 months from take up. Please see promo T/Cs for the extra double bundles. Free data is subject to a successful Connect debit order on your Top Up Voice package No subscription fees for the Promotional Connect SIM (Pay only for the device). *For promotional Terms and Conditions visit FNB.co.za

05 CONNECT Prepaid Get 1GB FREE data when you spend R150 on your Connect Prepaid SIM Complete control over your airtime, voice, data and SMS spend. How to build your Prepaid package. You get: You can: Connect SIM Spend at least R200 every month on FNB Connect to move up a reward level* AND/OR Up to 15% back in ebucks on your SIM spend. Set an Auto Top Up Auto Top Up automatically tops you up with airtime and data when you are running low. You can choose your Top Up amount and can set a monthly limit on your Top Ups. Expiry Once-off bundles Expire after 30 days Out-of-Bundle Rate: Voice R0.95/Min Data R1.00/MB SMS R0.50/SMS Set up Auto Top and never run out of Airtime or Data. Please note, the Auto Top Up is only available for Prepaid & Top Up SIMs. > Select My SIM Cards menu item Get 1GB FREE when you set up an Auto Top Up > Select the SIM you wish to top up from the SIM Cards listed on your account > Select Auto Top Up from the menu items > Select Add Top Up on the bottom right hand corner > Select the type of recharge you are hoping to set Auto Top Up to > Enter the bundle size and the maximum limit for your Auto Recharges > Select Continue > Read and Confirm your selections > Your Top Up confirmation page will appear > Congratulations, you have successfully setup the Auto TopUp feature! Note: *Subject to your account type and reward level. Free data is allocated after activation and minimum spend criteria is met. To qualify for free data the Prepaid SIM spend criteria needs to be met within 30 days of activation. Free data is only applicable to Connect Prepaid and Top Up Auto Top Up customers. Free data is only allocated upon successful Auto Top up

CONNECT Once-off Bundles Get 1GB FREE data when you set up an Auto Top Up or a Schedule Top Up Once-off bundles Once-off Voice Once-off Data Once-off SMS 30 minutes R28 50 minutes R46 100 minutes R90 200 minutes R172 350 minutes R287 500 minutes R390 1 000 minutes R750 50MB + Extra 50MB* R15 100MB + Extra 100MB* R28 300MB + Extra 300MB* R60 500MB + Extra 500MB* R89 1GB + Extra 1GB* R139 2GB + Extra 2GB* R245 5GB + Extra 5GB* R399 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS R20 R35 R45 R65 R85 R115 10GB + Extra 10GB* R699 20GB + Extra 20GB* R1 099 Recurring bundles Recurring Voice Recurring Data Recurring SMS 30 minutes R28 50 minutes R46 100 minutes R90 200 minutes R172 350 minutes R287 500 minutes R390 1 000 minutes R750 50MB 100MB 500MB 1GB 2GB 5GB 10GB 20GB R15 R28 R35 R65 R95 R245 R465 R925 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS R20 R35 R45 R65 R85 R115 50GB R2 199 How you can be rewarded Thabiso purchases the 1GB Once-off Bundle for R139. He s worked his way to ebucks Reward Level 5, and in turn gets eb208 on his purchase. With this reward, Thabiso actually only pays R188. Plus, he also receives 1GB of free data. eb Level 5 Customer *Note: The double the data FREE additional bundles have a shorter expiry period than normal data bundle Free data is only applicable to Connect Prepaid and Top Up Auto Top Up customers. Free data is only allocated upon successful Auto Top up

CONNECT Handy Numbers These are numbers you need to know from balance enquiries to customer service enquiries. Customer Care Numbers Customer Service 147 from an FNB SIM or 087 575 0147 from a non-fnb SIM*) Self-Service *147# (USSD), Cellphone Banking, the FNB APP and Online Banking Recharge *130*321# or *120*321# (Cellphone Banking), ATM, FNB App Balance Enquiry *111# Block SIM 087 575 0147 Please Call Me *140*cellphone number# Voicemail 144 Terms and conditions: 1. You need to qualify for the airtime or ebucks reward programme in order to earn rewards specified in this package and reward guide. 2. ebucks reward calculations were done by using a spend cap of R1 000. 3. Voice calls are billed on a per second basis.