Gold Cheque Account, Islamic Gold Cheque Account and Gold Credit Card

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

Gold Cheque

Account, Islamic

Gold Cheque Account

and Gold Credit Card

Pricing Guide

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Gold Cheque

Account

A Gold Cheque Account is more than

just a bank account. It’s something

that offers you functionality and

flexibility. Something that helps you

manage your money in a way that

works for you.

We’ve done some research on you

and we know that banking, saving,

borrowing and having the lifestyle

you want are some of the things you

think about. We want you to have

that lifestyle too. We want you to

go for it – to go for Gold.

• Unlimited FREE swipes when you use your Gold Cheque Account Card to pay

• Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees • FREE subscription to

inContact. This means

we’ll SMS you every time more than R 100 goes out of – or into – your account • FREE subscription to

Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use • FREE emailed

monthly statements

Bank

• A FREE Linked Savings Account that earns you interest. FNB’s Islamic offering also offers a competitive return • The option to Bank Your Change when we round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Account. So, you save while you spend

Save

• A Temporary Loan is a pre-approved, short-term credit offering, for which there is no need to fill in any forms

• Revolving Loan that lets you re-access your funds once you’ve repaid 15% of your original loan amount • Overdraft access that is FREE of initiation fees.

You only pay for it when you use it

Please note that Overdraft, Temporary Loans and Revolving Loans are not offered on the Islamic Gold Cheque Account.

Borrow

R 100

p/m

Islamic Gold Account

FNB is proud to offer you a Shari’ah-compliant Gold Cheque Account, with the same value-adds, reward benefits and pricing as a Gold Cheque Account. With Islamic Banking, you may be eligible to earn a monthly profit share on your Linked Savings Account. For more information, contact the Islamic Banking Contact Centre on 0861 786 788.

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FREE emailed

monthly

statements

Draw cash

at selected

Shoprite,

Checkers,

Pick n Pay,

Spar and

Boxer store tills

FREE of fees

FREE subscription

to inContact.

We’ll SMS you

every time more

than R 100 goes

out of - or into -

your account

Earn eBucks for

doing everyday

things like paying

with your card

Unlimited FREE

swipes when you

use your Gold

Card to pay

Unlimited Pricing

FNB’s pricing option for Gold customers, called Unlimited Pricing, offers Gold Account customers the benefit of a fixed-fee account. This way, you always have a sense of what your costs are – and feel in control of what you’re paying for. Each month, you get:

• Unlimited FREE qualifying electronic transactions using Online Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers

• To draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees • Four FREE FNB

ATM withdrawals

Live

• Delivery of your

Gold Cheque Account Card to your home or office • Possible qualification for

a new smartphone, tablet or laptop at discounted prices – over a 24-month period with 0% interest • FREE subscription to

eBucks Rewards* • The ability to earn eBucks

for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime electronically through FNB, purchasing FNB Connect prepaid airtime, having an FNB Connect contract or when you send or receive foreign currency through FNB Forex • Earn up to 0.75% back in

eBucks when you swipe your Cheque Card when shopping and up to 1.5% back when you shop online or internationally

• Earn up to 15% back in eBucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Gold Cheque Card • Earn up to 40% back in eBucks

on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime • The freedom to spend your

eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion – you name it • Get up to 40% discount on

selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel**. This means that the more eBucks you earn, the more you save when you spend your eBucks – while getting a discount on your purchase at the same time. Sounds like a no-brainer to us!

To best optimise your eBucks earnings, having an Gold Cheque Account in conjunction with a Gold Credit Card is the way to go. This will mean that you can move up your eBucks Rewards level more quickly and earn more eBucks.

Terms, Conditions and Rules apply.

*For more on eBucks Rewards, go to www.eBucks.com. **Discounts exclude all taxes.

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* An additional monthly Exchange Control Administration Fee of R 13.00 will be levied on Non-Resident Cheque ** Includes Cardless Cash Withdrawals

Unlimited Pricing Option Transaction Fees

Monthly Account Fee* R 100.00

FNB ATM Withdrawals** 4 FREE per Month

Online and Cellphone Banking Subscriptions FREE

inContact FREE

Linked Savings Account (Savings Pocket) FREE

Pay with your Card FREE

Cash@Till™ withdrawals FREE

FNB Slimline Withdrawals FREE

eChannel and Mobile Channel Transfers FREE

eChannel and Mobile Channel Payments FREE

Internal and External Debit Orders FREE

Current Month Emailed Statement FREE

Other Fees

Petrol Card (Monthly Fee) R 15.50

Card Purchases

Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value

Petrol Card Fuel Purchases R 5.00

Cash Withdrawals

FNB ATM R 3.95 + R 1.30 per R 100

Other Banks' ATM R 6.50 + FNB ATM Fee

International ATM

(Additional 2.75% Commission and Conversion fee applies) R 50.00

FNB Branch/Cheque R 50.00 + R 1.65 per R 100

International Branch

(Additional 2.75% Commission and Conversion fee applies) R 50.00 + R 1.65 per R 100

Deposits

Cash Deposit at FNB ATM R 0.70 per R 100 (minimum R 5.50)

Cash Deposit at FNB Branch R 1.65 per R 100 (minimum R 50.00)

Cheque Deposit at FNB Branch and ATM R 30.00

ENC Upliftment Fee and Special Clearance R 100.00

Linked Account Transfers

FNB Branch or Telephone Banking (Consultant Assisted) R 50.00

Payments

FNB Branch or Telephone Banking (Consultant Assisted) R 50.00

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Cancel Debit Orders (Stop Payments)

Online or Mobile Channels R 5.00

Telephone Banking (Consultant Assisted) R 17.50

Branch R 50.00

Scheduled Payment Related (Establishment and Amendment)

Online FREE

Branch R 12.00

Prepaid Airtime Purchases

Using eChannels and Mobile Channels R 1.10

Other Banks’ ATM or Telephone Banking (Consultant Assisted) R 9.00

Balance Enquiries

Using eChannels and Mobile Channels FREE

Point-of-Sale R 1.50

Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking

(Consultant Assisted) R 5.00

Statements

Cellphone Banking Mini Statement FREE

FNB ATM Transaction List R 3.00

Posted Statement R 13.00 (per statement)

Historical Statements older than 3 months - Online Banking R 6.00 (per statement) Emailing of Statements - Branch and Telephone Banking R 13.00 (per statement) Printing of Statements - Smart Kiosk R 3.50 (per page)

Printing of Statements - Branch and Telephone Banking R 13.00 per page (Charges only apply to the first six pages.)

Insufficient Funds

FNB ATM FREE

Point-of-Sale, Scheduled Payment, EDO and Other banks’ ATM R 8.00

Unpaid Item Fee or Payment Honouring Fee* R 25.00 per R 100 (maximum R 100)

Card Replacement Fees

Visa Cheque Card/ Chip & PIN Card R 120.00

FNB Petrol Card R 120.00

Credit Fees

Monthly Overdraft Fee

(only pay when you use R200 or more of your Overdraft) R 57.00

Monthly Revolving Loan Fee R 57.00

Cheque Book Fees

Pocket 40 Form R 50.00

Copies of Vouchers (Deposit Slips and Cheques)

Online Banking FREE

Branch and Telephone Banking (Consultant Assisted) R 50.00

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Convenience and Value Added Services

LOTTO™/Powerball, Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport R 1.75

Multichoice Payments R 5.00

Pay & Clear Now R 40.00

Cardless Cash Withdrawals R 3.95 + R 1.30 per R 100

Send Money

Send Money to an eWallet R 9.50

Reversal of Send Money to eWallet R 25.00

Send Money to Zimbabwe/ Mozambique

Value: R 20.00 - R 1 000.00 R 45.00

Value: R 1 000.01 - R 2 000.00 R 70.00

Value: R 2 000.01 - R 3 000.00 R 105.00

Additional Statements (fee per month)

Online Daily R 48.00 Weekly R 22.00 Twice Monthly R 12.00 Paper Daily R 100.00 Weekly R 40.00 Twice Monthly R 20.00

Electronic Subscriptions Services (fee per month)

My Limit Alert R 3.00

Scheduled Payment Alert R 3.00

Balance Alert (fee per month)

Monthly R 1.00 Weekly R 3.00 Daily R 15.00 Payment Notifications Email R 0.74 SMS R 1.15 Fax R 5.50 Other Fees

Card Courier Fee R 95.00

Cheque Book Courier R 150.00

Online Banking Account Verification (FNB Accounts and Other

Banks Accounts) R 4.60

Online Banking Payment History (older than 3 months) R 4.60 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid

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Gold Credit

Card

Credit cards aren’t just about

credit. They’re about living. An FNB

Gold Credit Card is your way into

the world, a world where reality

and rewards meet, where buying

and benefits work together for you.

• FREE lost card protection and PIN replacement

• FREE Auto Payment, offering you the convenience of having your account paid on time each month • The ability to make

secure payments with your Chip & PIN Credit Card • Protection from unauthorised

online transactions with Online Secure, giving you a One Time PIN (OTP) to protect your card’s exclusivity • FREE Automatic Debt

Protection to settle the outstanding credit card debt in the event of death or permanent disability, with the option to sign up for FNB’s Top-up Debt Protection Plan, for which there’s a charge • Unlimited FREE swipes

when you use your Gold Credit Card to pay • FREE subscription to

inContact. This means

we’ll SMS you every time more than R 100 goes out of – or into – your account • FREE subscription to FNB

Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use

• FREE balance enquiries using Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App • FREE emailed monthly statements

Bank

• Personalised and competitive debit interest rates based on your personal risk profile

Save

• Up to 55 days interest-FREE credit • Personalised and competitive debit interest rates

Borrow

Protection with

Online Secure,

giving you a OTP

to protect your

card’s exclusivity

FREE subscription

to FNB Cellphone

Banking, Online

Banking, Telephone

Banking, and the

FNB Banking App

FREE emailed

monthly

statements

R 40

p/m

Inc. Credit Facility Service Fee

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Gold Credit Card Fees Fees per month

Credit Card Monthly Account Fee R 29.00

Credit Facility Service Fee R 11.00

Additional Card Fees (per card linked to account) R 13.50

Linked Petro Card (per card linked to account) R 16.00

Initiation Fee (once-off) R 150.00

• FREE AA Emergency Roadside Assistance with a linked Petro Card • FREE Comprehensive

Global Travel Insurance, covering you locally and internationally when you purchase your return travel ticket(s) using your Gold Credit Card • FREE delivery of your Gold Credit Card to your nearest branch • The opportunity to purchase

FNB’s Lifestyle Protector, providing lifestyle cover in the event of your death or permanent disability • FREE subscription to

eBucks Rewards* if you hold an FNB Gold Cheque Account and a Gold Credit Card

• The ability to earn eBucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime electronically through FNB, purchasing FNB Connect prepaid airtime, having an FNB Connect contract or when you send or receive foreign currency through FNB Forex

Live

FREE AA Emergency

Roadside

Assistance with a

linked Petro Card

FREE Comprehensive

Global Travel

Insurance when

you purchase your

return travel ticket(s)

using your Gold

Credit Card

• Earn up to 1.5% back in eBucks when you swipe your Gold Credit Card when shopping and up to 3% back when you shop online or internationally

• Earn up to 15% back in eBucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Gold Credit Card

• Earn up to 40% back in eBucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime • The freedom to spend your

eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion – you name it • Get up to 40% discount on

selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel**. This means that the more eBucks you earn, the more you save when you spend your eBucks – while getting a discount on your purchase at the same time. Sounds like a no-brainer to us!

To best optimise your eBucks earnings, having a Gold Cheque Account in conjunction with a Gold Credit Card is the way to go. This will mean that you can move up your eBucks Rewards level more quickly and earn more eBucks.

Terms, Conditions and Rules apply

*For more on eBucks Rewards, go to www.eBucks.com. **Discounts exclude all taxes

Free delivery of

your Gold Credit

Card to your

nearest branch

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Purchases Fees

Credit Card Purchases FREE

Credit Card Budget Purchases FREE

Commission and Currency Fee on International Card Purchases 2.75%

Fuel Transaction Fee (Petro Cards only) R 5.00

Cash Withdrawal Fees Fees

FNB ATM R 3.95 + R 1.30 per R 100

Other Banks' ATM R 6.50 + FNB ATM Fee

FNB Mini ATM R 3.95 + R 1.30 per R 100

Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R 50.00 + R 1.65 per R 100

Cash on Budget R 50.00 + 2.50% of withdrawal value

International* (ATM and Branch) R 30.00 + R 1.65 per R 100

Deposits Fees

Cheque Deposits R 27.50

FNB ATM with Automated Deposit Terminal (ADT) R 0.70 per R 100 (R 5.50 minimum)

Cheque Clearance Fee R 265.00

FNB Branch and FNB ATM with envelope deposits R 1.65 per R 100 (R 50 minimum)

* International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.

Standalone Petro Card Fees per month

Credit Card Monthly Account Fee R 31.50

Credit Facility Service Fee R 11.00

Additional Card Fees (per card linked to account) R 13.50

Initiation Fee (once-off) R 150.00

Linked Account Transfers and Account Payments Fees

IVR Smart Transfer to FNB FREE

Linked Account Transfers R 3.50

Third Party Payments R 7.00

Telephone Banking (Consultant Assisted) R 50.00

Transfers and Payments at Branch R 50.00

Voucher Retrieval Requests

Local R 85.00

International R 265.00

• Credit Card Monthly Account Fee is the cost charged monthly for the administration and maintenance of your Credit Card Account

• Credit Facility Service Fee is the cost charged monthly for the routine administration and maintenance of maintaining your Credit Facility

• Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable

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Other Fees

Declined Transaction Fee R 8.00

Bank Cheque Administration Fee R 80.00

Card Replacement Fee (per card) (standard 3-day delivery) R 120.00 Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R 400.00

Card delivery to nearest FNB Branch FREE

Card courier personal delivery R 200.00

Section 129 Letter Fee R 59.79

Credit Card Monthly Rewards Fee R 16.50 per month

Convenience Fees

Send Money to eWallet (R 20.00 - R 3 000.00) R 9.50

Reversal of incorrect "Send Money to eWallet" transaction R 25.00

Cardless cash withdrawal R 3.00 + FNB ATM Fee

Pay2Cell R 3.80

LOTTO™/Powerball Purchase R 2.20

Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20

Uncapped ADSL Fee R 2.20

Important Information

• The above pricing is inclusive of VAT

• Interest rates are personalised and appear on the credit card statement

• Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement • Should you require further information on any credit card products or services, please contact

Credit Card Customer Enquiries on 087 575 1111

If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act

Standard terminology

If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we’ve used FNB-specific terminology, we’ve added this here showing the wording

that other banks may use. So, FNB’s term – as per this pricing guide – is “Card Purchase”, while the standard terminology is “Card Transaction”; FNB’s term is “Payment”, while the standard terminology equivalent is “Third Party Payment/Stop Order”. FNB uses the term “Slimline Devices” whereas other banks might call them Mini ATMs.

FNB uses the term “eChannels”, which refers to FNB Online Banking, Cellphone Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB’s “Mobile Channels” refer to Cellphone Banking and the FNB Banking App.

First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply.

• FNB, a division of FirstRand Bank Ltd.,

reserves the right to change fees or introduce new fees from time to time. If we do this, though, we’ll give you at least 20 business days’ notice of these changes. You’ll find changes on www.fnb.co.za or on FNB ATMs.

• We strive to keep the information

provided in the pricing guide as accurate as possible, and we will not

be held responsible if an error or omission is found.

• You must apply for each facility

or product individually.

• The grant of any facility or product is

subject to you meeting the qualifying criteria of that product or facility.

• Each facility or product has a set of

terms and conditions for that specific facility or product. We agree on these

The Small Print

FNB’s Small Print is straightforward. Here we go:

Information on our products and prices

terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what’s outlined in this pricing guide, we’ll follow the product or facility-specific terms and conditions that apply to such a facility or product.

• The Bank reserves the right to

change the features of any product or facility at any time.

• Fees quoted “as per R 100” or

“per R 500” include parts thereof.

• When Cellphone Banking is referred

to, standard network rates apply.

• All fees quoted are VAT inclusive

and are effective from 1 July 2015 to 30 June 2016.

• The fees included here are not all of

FNB’s fees. For all the fees on this account, please go to www.fnb.co.za.

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References

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