Annual Pricing Review

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Terms, conditions and rules apply.

RMB Private Bank, a division of FirstRand Bank Limited.

An Authorised Financial Services and Credit Provider. NCA Reg. no. NCRCP20.

Annual Pricing

Review

Pricing guide

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Introduction

Ways to bank

eBucks Rewards and benefits

RMB Private Bank accounts

RMB Private Bank Credit Card

FNB Forex

RMB Private Bank Business Account

Home Loan, Structured Loan and Single Credit Facility

Important information

Contact us

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$0.01 – $50.00 $7.00 $50.01 – $100.00 $10.00 $100.01 – $150.00 $11.00 $150.01 – $200.00 $13.00 $200.01 – $250.00 $15.00 $250.01 – $300.00 $17.00 $300.01 – $400.00 $19.00 $400.01 – $500.00 $24.00 $500.01 – $600.00 $29.00 $600.01 – $700.00 $34.00 $700.01 – $800.00 $39.00 $800.01 – $900.00 $44.00 $900.01 – $1 000.00 $49.00 $1 000.01 – $1 200.00 $55.00 $1 200.01 – $1 500.00 $63.00 $1 500.01 – $1 800.00 $70.00 $1 800.01 – $2 500.00 $90.00 $2 500.01 – $5 000.00 $140.00 $5 000.01 – $7 500.00 $240.00 $7 500.01 – $10 000.00 $290.00

other products and services

fee

forward exchange contracts

establishment R105.00

drawdown (per drawdown) R105.00

Cancellation R105.00

extension R105.00

exchange Control applications to the sArb

Fee per application min R1 200.00 Special request or follow-up discretionary

admin fee min R100.00

Low-value Global receipts

(sWIfT) and bills negotiable

Commission

received in a foreign currency fee

R0.00 – R100.00 R31.00

R100.01 – R500.00 R62.00 R500.01 – R1 000.00 R118.00

R1 000.00 + Normal charges as per product _{pricing schedule} received in south African rand Commission ZAr fee

R0.00 – R100.00 R31.00 fRee

R100.01 – R500.00 R62.00 fRee

R500.01 – R1 000.00 R118.00 fRee

R1 000.01 – R2 000.00 R140.00 R30.00 R2 000.01 – R3 000.00 R140.00 R88.00 R3 000.00 + Normal charges as per product

pricing schedule

Global receipts (Pension)

Commission

R0.00 – R1 000.00 R16.00 R1 000.01 – R5 000.00 R32.00 R5 000.01 – R10 000.00 R48.00 R10 000.01 – R25 000.00 R51.00 R25 000.01 – R40 000.00 R53.00 R40 000.01 + R55.00

Global Account

fee

Interest rate View on www.fnb.co.za Transfer to/from your rand current account R55.00

Transfer between Global Accounts R55.00 Withdrawal or deposit using another

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The RMB Private Bank Business Account is suited to sole

proprietors, incorporated businesses, partnerships, companies,

close corporations, trusts and co-operatives. It provides a

flexible and simple way to conduct all business transactions and

pay for day-to-day operations.

With your RMB Private Bank Business Account, you can choose

between the Pay-As-you-use (PAyu) pricing option or one

of our three Single Fee pricing options. Fees that have not

increased or that have reduced appear in bold.

SINGLe Fee PRICING oPTIoNS

There are three Single Fee pricing options to choose from. With

these options, you are charged a service fee upfront and do

not have to monitor your transaction fees each month.

rMb PrIvATe bAnk

busIness ACCounT

out-of-bundle rates should you exceed the specified number

of debit transactions

FNB ATM withdrawals and other electronic debit transactions (per transaction)15 R18.00 R17.00 R16.00 Cash deposited at FNB ATM Advance only R3.75 + R0.60 per R100.00 or part thereof R3.75 + R0.55 per R100.00 or part thereof R3.75 + R0.50 per R100.00 or part thereof

15 _{debit transactions include all payments and transfers performed via the RMB Private}

Banking App, FNB ATMs, online Banking and Cellphone Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using online Banking enterpriseTM

(Role Separation) and other banks’ ATMs.

Note that transactions not mentioned, or in excess of the limits

above, will be charged at RMB Private Bank Business Account

Pay-As-you-use rates.

PAy-AS-you-uSe PRICING oPTIoN

on this pricing option, you are charged for each transaction at

the applicable fee.

description

option 1

option 2

option 3

electronic debit transactions15 30 transactions which include a maximum of 5 FNB ATM withdrawals 50 transactions which include a maximum of 10 FNB ATM withdrawals 75 transactions which include a maximum of 10 FNB ATM withdrawals Cash deposited at FNB ATM Advance only unlimited cash deposits of up to R50 000.00 per month unlimited cash deposits of up to R100 000.00 per month unlimited cash deposits of up to R250 000.00 per month

description

option 1

option 2

option 3

Monthly account fee R220.00 R320.00 R470.00 Point of Sale

card purchases unlimited unlimited unlimited Prepaid purchases (online Banking, RMB Private Banking App, FNB ATM, Cellphone Banking)

unlimited unlimited unlimited

Monthly account fees

fee

Account fee R99.00

Monthly Petro Card fee (linked to your RMB Private Bank Business Account) R15.50 Monthly credit service fee (only charged when you use R200.00 or more of your overdraft) R57.00

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Transaction description

fee

Purchases Prepaid purchases

Prepaid purchases – RMB electronic

Banking channels R1.10

Prepaid purchases at other banks’ ATM R9.00 Prepaid purchases – Telephone Banking (consultant assisted) R9.00 Card purchases

RMB Private Bank Business Cheque Card purchases (local and international)16 fRee

Petrol Card fuel purchases R5.00 Inter-account transfers

electronic transfers (FNB ATM, online Banking – No Role Separation, Telephone Banking – IVR, scheduled) R4.00 Consultant-assisted transfers

(Telephone Banking) max R8.95 Consultant-assisted transfers (FNB branch) R4.00 Account payments

electronic third party payments (FNB ATM, online Banking – No Role Separation, Telephone Banking – IVR and consultant assisted)

max R8.95

Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) R4.00 external debit orders R17.50 Cheque payments (per item) R85.00 Consultant-assisted third party payments

(FNB branch) R50.00

Issue of bank cheques (per cheque) R90.00 express clearing payments (online Banking, FNB branch, participating banks only) R40.00 Payment honouring fee (per item) R145.00 scheduled payments

Scheduled payment establishment/ amendment fee (online Banking,

FNB branch) fRee

Payment notifications email/SMS/fax fRee Cheque books 40 form R50.00 deposit books 100 pages (non-MICR) R32.00 100 pages (MICR encoded) R32.00 subscription fees

online Banking, Telephone Banking,

inContact-Pro fRee

Scheduled payment alert fee (per month) R3.00

balance alerts (per month)

daily R15.00

Weekly R3.00

Monthly R1.00

Cash withdrawals

Cash@Till™ – Point of Sale fRee

FNB Slimline ATM (withdrawal limits

may apply) R1.75 + R0.60 per R100.00 or part thereof other banks’ Mini-ATM R2.40 + R0.90 per R100.00 or part thereof FNB ATM R3.95 + R1.45 per R100.00 or part thereof other banks’ ATM R11.50 + R1.45 per R100.00 or part thereof FNB branch Cheque service fee (min R40.00) + cash

handling fee Cash handling fee at fnb branch

Value per withdrawal

R0.00 – R4 999.99 R2.54 per R100.00 or part thereof R5 000.00 – R14 999.99 R1.95 per R100.00 or part thereof R15 000.00 – R49 999.99 R1.62 per R100.00 or part thereof R50 000.00 and greater R1.50 per R100.00 or part thereof deposits

Cheque deposit at FNB branch (per deposit) R30.00 Special clearance fee R100.00

effects not cleared upliftment fee R100.00 per R10 000.00 or part thereof_{(min R500.00, max R5 000.00)} Cash deposits

FNB ATM R3.75 + R0.76 per R100.00 or part thereof

excLuded tRansactions

The following transactions will be charged for in addition to

your monthly account fees:

stop payment instructions online Banking, Telephone Banking,

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Cash deposit fee at fnb branch

Value per deposit (min R30.00)

R0.00 – R4 999.99 R8.40 + R2.54 per R100.00 or part thereof

R5 000.00 – R14 999.99 R8.40 + R1.49 per R100.00 or part thereof

R50 000.00 and greater R8.40 + R1.18 per R100.00 or part thereof

Cash deposit fee at fnb bulk Cash Centres

Value per deposit (min R30.00)

R0.00 – R4 999.99 R5.00 + R2.34 per R100.00 or part thereof

R50 000.00 and greater R5.00 + R1.04 per R100.00 or part thereof balance enquiries

FNB ATM fRee

Point of Sale (RMB Private Bank Business Cheque Cards only) R1.50 FNB branch and Telephone Banking

(consultant assisted) R5.00

International Point of Sale balance enquiries R5.00 statements

emailing of current monthly statement

(plus optional workable data files) fRee Monthly posted statement R14.00 Mini-statements (FNB ATM) R3.00

emailing of historical statements (older than 2 months, per statement) R6.00 Provisional statement (FNB branch,

Telephone Banking, per page) R13.00

Card and other related fees RMB Private Bank Business Cheque Card/

Chip & PIN card replacement R120.00

Voucher retention R50.00

Credit-related fees (applicable to nCA clients) Monthly service fee (where you have used more than R200.00 of your facility) R57.00 Credit-related fees (applicable to non-nCA clients) Monthly overdraft fee (where you have

used more than R200.00 of your facility)

0.114% of facility (min R57.00, max R1 140.00)

Additional statements (fee per month) Paper online

daily R100.00 R48.00

Weekly R40.00 R22.00

Twice monthly R20.00 R12.00

Penalty fees

FNB ATM declined transaction fee

(insufficient funds or daily limit exceeded) fRee other RMB declined transaction fee (local and international Point of Sale) R8.00 other banks’ ATM declined transaction fee (insufficient funds or daily limit exceeded) R8.00 Inward unpaid fee R105.00 unpaid cheques and/or debit orders R175.00

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new facility

fee

once-off initiation fee (only applicable

to clients that fall within the ambit of

the NCA) R5 700.00

Structuring fee (only applicable to juristic clients)

% of deal size and is variable based on deal structure

building loan fees

fee

Inspection fee (construction period only) First 6 fRee, thereafter R345.00 per inspection

Revaluation fee R1 475.00

early termination fees

A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry An early termination fee is charged when a Home Loan is cancelled without giving 90 days’ notice. The fee is calculated on the outstanding balance at your current interest rate

other fees

fee

unpaid debit order fee (only applicable to

juristic clients) R200.00 Bank cheque commission R90.00

non-standard guarantee fees

fee

Property guarantees R1 500.00

Performance guarantees 1.7% p.a. of value of guarantee (min R1 500.00)

once-off performance guarantees (if client

uses own funds to issue the guarantee) R1 500.00

Note that the monthly service fee applicable to your facility will be charged irrespective of the balance outstanding and will only cease when the bond is cancelled.

The RMB Private Bank suite of structured lending products

provides finance for your dream home, holiday home or

investment property. our offering extends to any residential

property (freehold or sectional title), small holdings of up to

8.5ha in an urban or peri-urban area, as well as vacant stands

in residential areas.

For your ease of reference, monthly NCA fees for our product

range have been segmented below. Fees that have not

increased or that have reduced appear in bold.

existing facility

fee

Monthly lending fee (only applies to clients with facilities concluded prior to 1 June 2007 and with a facility size of less than R500 000.00)

R5.70

Monthly lending fee (only applies to juristic clients and facilities with credit agreements concluded prior to 1 June 2007)

R205.00 Monthly lending fee (only applies to

facilities with credit agreements concluded

post 1 June 2007) R57.00

HoMe LoAn, sTruCTured

LoAn And sInGLe CredIT

fACILITy

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Annual Pricing Review

Terms, conditions and rules apply.

Annual Pricing

Review

Pricing guide

Introduction

Ways to bank

eBucks Rewards and benefits

RMB Private Bank accounts

RMB Private Bank Credit Card

FNB Forex

RMB Private Bank Business Account

Home Loan, Structured Loan and Single Credit Facility

Important information

Contact us

01

02

03

05

10

12

15

18

19

19

ConTenTs

This pricing guide has been designed to assist you in

understanding your bank charges and to help you make

banking choices that enable you to get the most out of

banking with us.

All fees quoted are VAT inclusive and are effective from 1 July 2015

to 30 June 2016.

InTroduCTIon

GRoW, MANAGe ANd PRoTeCT youR WeALTH

RMB Private Bank offers you market-leading

banking solutions and relationship-focused wealth

management to suit your personal financial needs.

WAys To bAnk

RMB PRIVATe BANk CHeque ANd CRedIT CARdS

Swipe your card instead of using cash. It is safer, cheaper, more

convenient and qualifying clients earn eBucks.

dedICATed 24/7 SeRVICe SuITe

our Service Suite is committed to assisting you with all of your

day-to-day banking needs such as:

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General banking queries.

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Banking transactions.

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Fraud queries.

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Card renewals/activations or cancellations.

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official bank letters required by institutions

(eg, Visa letters).

oNLINe BANkING ANd THe RMB PRIVATe

BANkING APP

Make use of our innovative, secure and intuitive electronic

channels to perform day-to-day transactions such as:

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Making once-off payments and transfers.

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Applying for credit or increasing your credit limit.

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Setting up scheduled payments and transfers.

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Retrieving historical statements.

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Card and PIN maintenance.

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Stopping cheques and/or debit orders.

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ordering Forex.

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Global Payments and Receipts.

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Making prepaid purchases.

earn up to

100% back in

eBucks on your