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

Easy Account
Get the best banking deal with an Easy Account

how can we help you?

This guide contains the fees for your Easy Account. Fees include VAT and are valid from 1 July 2013 to 30 June 2014. For more information please visit www.fnb.mobi, www.fnb.co.za or your nearest FNB Branch.

Compare Easy Account bank charges with other banks

Transaction Easy Account
R 0.00 R 3.00

Bank A*

Bank B*

Bank C*
R 0.00 R 2.95

Bank D*

Stop Orders Debit Orders

R 1.50 R 3.00

R 6.00 R 5.00

R 4.00 R 4.00

EASY ACCOUNT
Your Easy Account has been designed especially to help you save on bank charges. It is real value for money and there are no hidden costs. We have made your account work even harder for you this year and the following are now available for FREE for Easy Account holders:

Statements at a Branch Transfer between your accounts Debit Card Purchases Draw cash at till R500 (e.g. Shoprite) Cash deposit at own banks branch - R500 Cash withdrawals at own banks ATM Cash withdrawals at another banks ATM Savings pocket monthly Fee Monthly Account Fee

R 3.00

R 3.00

R 2.50

R 11.00

R 25.00

R 0.00

R 0.00

R 0.00

R 0.00

R 2.00

R 0.00

R 0.00

R 1.00

R 0.00

R 2.00

R 0.00

R 1.00

R 2.00

R 1.00

R 4.00

Free inContact- we will SMS you every

time more than R100 goes in or out of your account

R 4.00

R 5.00

R 5.50

R 12.20

R 25.00

Subscription to Online and Cellphone

Banking

R 4.00

R 4.30

R 5.50

R 3.95

R 4.00

FREE

Card swipes - dont pay extra when you

use your bank card to shop

R 7.80

R 7.00

R 7.50

R 9.95

R 8.00

Cash withdrawals at selected till points Stop Orders/Scheduled Payments Transfer between your accounts at FNB
ATM, Online and Cellphone Banking

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 4.20

R 4.75

R 7.00

R 0.00

R 0.00

Notify you about new debit orders on

your account

Average bank fees in a month (based on the average banking needs of a customer)

R 28.13

R 33.45

R 50.96

R 31.80

R 59.33

* Information correct at time of going to press and subject to change at any time.

Minimum account balance on an Easy Account is R0.00

Other fees for Easy Account

InContact Monthly Subscription Fees Online Banking Cellphone Banking Cheque Deposits (FNB ATM & Branch) Put cash into my account Deposit cash at FNB (Branch and ATM) Deposit post dated cheque Card purchases - in South Africa Card purchases - International (additional 2.75% Comission + Conv. Fee applies) Shop without using cash Buy Prepaid - Cellphone Banking, FNB ATM, Telephone (IVR), FNB App Buy Prepaid - Other Banks ATM Buy Lotto / Powerball Transfer Money Transfer to a linked account Cellphone and FNB App Pay another Account Make a payment - transfer money to another account ATM, Online, Telephone (IVR), Telephone (consultant assisted) Branch Scheduled payment Fees Payment notification Other Debit Orders Amendment Fee - Branch Establishment Fee - Branch Email SMS Fax Pay and Clear Now Internal debit order External debit order Unpaid debit order Send R20 - R1000 Send money using eWallet Send R1001 - to R2000 Send R2000 - R3000 Cash at a Till Limit Exceeded Point of sale and other banks ATM decline Get Cash FNB ATM or Mini ATM - any amount Any non-FNB ATM (local and international) Cardless Cash FNB Branch Cash & Cashed Cheque FREE FREE FREE R 4.00 At FNB Cell R4.00 R80.00 FREE FREE Check how much money I have in my account Balance Enquiry at POS Branch & Telephone (consultant assisted) Balance enquiry at other banks ATM Scheduled Payment Alert Balance Alert: Monthly Subscriptions Balance Alert: Weekly Balance Alert: Monthly Subscription to My Limit Alert Cellphone Banking FREE FREE R 2.95 Things to avoid No money to pay debit order Replacement of Non-personalised card R 5.00 R 35.00

R 3.25 R 2.75 R 0.90 R 2.95 R 14.80 R 2.95 R 3.00

R1.00 R3.00 R1.50 FREE R3.00 R3.00

R3.00 R9.50 R12.50 R0.68 FREE R4.85 R38.00 FREE R3.00 R5.00 R8.50 R12.50 R16.50 FREE FREE R5.00 R4.00 R7.80 R8.00 R33.00 Other Fees Stop a Debit order Get a statement

FNB ATM (print or view)

R 3.00

Email of historic - Online, Branch, R 3.00 Telephone Banking (IVR)

Provisional Statement (Easy Plan Branch) Cellphone Banking Online Banking Telephone (consultant) Branch Online Banking Password Reset - Telephone (consultant assisted) Online Banking Account Verification Viewing of payment history (older than 3 months)

R 3.00

R 5.00 R 5.00 R 15.00 R 35.00

R 52.50

R 4.10

R 4.10

Branch fees apply only at EasyPlan branches. Transactions at any other FNB Branch will be charged at FNB Smart Account rates.

Here are some tips to help you save money.

1. Go cashless
Use your card to pay for goods. Use Cellphone Banking.

We are open longer to serve you better: For more information call 0861 733 359 or visit your nearest EasyPlan branch.

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 24/7- the money is immediately available.

Important information about our products and prices

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 excluded You must apply for each facility or product individually. The grant 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 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 the 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 self-service banking: Dial *120*321# to use Cellphone Banking Dial *130*321# to buy airtime with no airtime