Firs

t Nat

iona

l Ban

k -

a di

visio

n of

Firs

tRan

d Ba

nk L

imite

d. A

n Au

thor

ised

Fin

anci

al S

ervic

es a

nd C

redi

t Pro

vider

(NCR

CP20

).

Easy banking for everyone.Pay less for banking, give more to your family.

EasyPlan

Did you know that you can deposit or withdraw cash at ATMs without using your card?

For more information on how to deposit cash into an FNB account, speak to our friendly consultants at any FNB EasyPlan branch.

Get ATM cash deposits cleared immediately 24/7

/ FN

B.99

7052

Mar

ch 1

2

2. Select “Deposit Cash”

5. Key-in Name

4. Key-in Reference Number

7. Deposit Cash Please make sure that there are no rubber bands or folded notes.

8. Confirm Cash Deposit 9. Take Your Slip

3.Key-in Account number

6. Enter your Phone Number

1. Choose Cardless services

Cost per Transaction

Number of transactions

per year

FNB EasyPlan

Bank A Bank B Bank C Bank D

Scheduled Payments (Stop Orders)

12 R0.00 R3.00 R5.00 R2.85 R4.00

Debit orders 12 R2.95 R3.00 R5.00 R2.85 R4.00

Statements at branch

4 R2.95 R3.00 R0.00 R8.00 R25.00

Inter-account transfers

24 R0.00 R0.00 R0.00 R2.85 R2.00

Debit card purchases

24 R0.00 R0.00 R1.00 R0.00 R2.00

Cash withdrawal at tillpoint*

24 R0.00 R1.00 R1.00 R1.00 R4.00

Cash deposit at own branch*

4 R3.25 R4.00 R5.00 R10.60 R25.00

Cash withdrawal at own bank's ATM*

48 R3.25 R4.00 R5.00 R3.85 R4.00

Cash withdrawal at other bank's ATM*

4 R7.70 R7.00 R7.00 R15.35 R4.00

Savings Pocket monthly fee

12 R0.00 n/a n/a n/a n/a

Monthly account fee

12 R4.20 R4.50 R 5.00 R0.00 R0.00

Average bank fees per month

R24.78 R33.17 R43.00 R40.12 R58.00

*based on an amount of R500

Easy Account

Does your bank help you save on bank charges? Get a basic bank account with low charges and a free savings pocket, offering you best value for your money.

Easy Account offers you:

• AFREE savings pocket with zero monthly fee, giving you more return on your savings• Low monthly fee of only R4.20 per month• FREE card purchases, cash withdrawals at tillpoint, transfers, scheduled payments (stop orders) and FNB balance enquiries• ReducedPrepaidpurchasesatonlyR0.90each• Debitorders,accountpaymentsandstatementsatonly R2.95 per transaction• FNBcashwithdrawalsanddepositsatonlyR3.25each

Easy Loan

If you require quick access to additional cash, Easy Loan is all you need. Get the cash you need within minutes.

Easy Loan offers you:

• LoansfromR250toR120000paidoutwithin10minutes• Easyrepaymentperiodfrom1to60monthstosuityourpocket• Weekly/fortnightlyearnersmayalsoqualifyforEasyLoan• SMSScoringtoknowhowmuchyouqualifyforwithinseconds• DebtConsolidationforyoutopayasingleaffordablemonthly instalment

SMS Scoring

Use your cellphone to check how much you qualify for with Easy Loan. It’s easy, simply dial *120*321*1# and you will know the loan amount you qualify for in seconds.

Follow these 7 easy steps:

1. Dial *120* 321*1#2. Enter your ID number3. Enter your monthly gross income4. Give FNB permission to conduct a credit check on your name5. If not FNB customer, SMS your name and surname6. Upon conditional approval, please visit your nearest FNB EasyPlan branch or contact our call centre to apply for a loan on 0861 7333597. Please bring your: •Greenbar-codedSouthAfricanID •Originalpayslip(2payslipsifpaidfortnightlyor 4 payslips if paid weekly) •3Months’bankstatements(forNon-FNBcustomers) •Proofofresidence

Debt Consolidation

Consolidate your debt with an Easy Loan and save on interest. You can group all your debt from various creditors into one with Easy Loan and:

• Payasingleaffordablemonthlyinstalment• Saveoninterest• Improveyourcreditprofileandqualifyformorecreditinfuture

Example of Debt Consolidation:

* The interest rate used on the table is an example of how one can save on interest and pay lower instalments when consolidating debt. Terms and conditions apply.

Easy Funeral Plan

Easy Funeral Plan offers you:

• Basiccoverforyou,yourspouseandupto8children• ChoiceofcoverbetweenR5000andR30000withnomedical check-ups required• AFREEMemorialBenefitworthR5000forthemainmember’s tombstone• Additionalcoveravailableforextendedfamilymembers• Doublecoverifthemainmember’soraspouse’sdeathiscaused by an accident• Claimspaidoutwithin48hoursintoyourbankaccount

* Terms and conditions apply.

Easy Invest

Invest your money with FNB Easy Invest and get more money for your money. For a minimum opening balance of only R100, it’s easy for you to become an investor with FNB Easy Invest. There are no risks of losing your hard-earned money and there is no maximum limit to the amount you can invest.

FNB Easy Invest offers you 2 easy and flexible options tochoose from:

32 Day Interest Plus Account

• Givesyoueasyaccesstoinvestedfundsupongiving32days notice• Nomonthlyfees,givingyoubetterreturnonyourinvestment• Thisaccountallowsyoutoinvestyourmoneyandhave additional deposits at various FNB ATMs 24/7• 32DaysnoticeatFNBEasyPlanbranches,ATMsorOnline Banking to access your funds• Twointerestrateincreases,onceafter32daysandafter64days of opening the account

Flexi Fixed Deposit

• A3or12monthsfixeddepositaccountthatallowsyouto make additional deposits, earning you interest on interest• Nomonthlyfees,givingyoubetterreturnonyourinvestment

After debt consolidation

Before debt consolidation

Loan 1 R20 000 R15 000 20% 42 R57 R722.95

Loan 2 R15 000 R6 000 32% 36 R57 R710.32

Loan 3 R10 000 R8 000 24% 24 R57 R585.71

Total Debt R45 000 R29 000 R2 018.97

Easy Loan R50 000 18%* 48 R57 R1 525.75

Instalment saving R493.22

Cash payout after consolidation R21 000

Outstanding balance

Outstanding balance

Interest rate

Interest rate

Term

Term

Service fee

Service fee

Loan amount

Loan amount

Total instalments (incl. service fee)

Total instalments (incl. service fee)

• Upto30%accesstoyourmoneyduringtheinvestmentterm• AdditionaldepositscanbemadeatvariousFNBATMs24/7• Tieredinterestrates,givingyoumoreinterestonyourhigher balance• Flexibleinterestrate,linkedtoPrimeLendingRate

Cellphone Banking WithCellphoneBanking,there’snoneedtogotothebanktodoyour banking. You can transact from wherever you are 24/7.

Cellphone Banking helps you: • Buyairtime• Checkbalancesandmaketransfers• Playthelotto• Payyourelectricityandutilitybills• Paybeneficiaries To get started, register for Cellphone Banking from FNB by following these simple steps: • Dial*120*321#• Select“MoreFeatures”,then“Continue”• Enterthelast4digitsofyourFNBcard• EntertheFNBcardPIN• SelectaCellphoneBankingPIN Onceyouhaveregistered,youcandial*120*321#tostartenjoyingthebenefitsofCellphoneBanking.

eWallet

You can conveniently and securely send money to anyone with a cellphone, anywhere in South Africa. Importantly, the receiver does not have to have an account to access the money you send.

eWallet helps you:

• SendmoneythroughCellphoneBanking• Buypre-paidairtime• Sendandwithdrawcashthroughyourcellphone• Makepaymentsandpurchasegoodsatselectedretailers• SendmoneythroughOnlineBanking• SendmoneyviaFNBATM• WithdrawmoneyfromeWalletthroughselectedretailers

ATM Advance

ATM with real-time cash deposit.

Deposit cash at FNB’s clever ATMs 24/7and get it cleared immediately. ATM Advance machines are like tellers that never sleep, enabling you to deposit cash and have it cleared immediately whenever it suits you.

Monthly Fees

Monthly Account fee R 4.20

Subscriptions to inContact, Online and Cellphone Banking R 8.50

Free

R2.95

Transaction Fees

Balance Enquiry

Card Purchases

FNB Prepaid Purchases

Cash @ Till

FNBCashWithdrawals

Transfers

Payments

Statements

Deposits (Cash and Cheque)

Scheduled Payments (Stop Orders)

Debit Orders

Card/FNB ATM

Free

Free

R0.90

Free

R3.25

Free

R2.95

R2.95

R3.25

Cellphone

Free

-

R0.90

-

-

Free

R2.95

R2.95

-

Online

Free

-

R0.90

-

-

Free

R2.95

-

-

EasyPlan Branch

Free

-

-

-

R3.25

Free

R2.95

R2.95

R3.25

WithFNBEasyPlan,therearenohiddencosts.

Fees that have not changed or have decreased are shown in orange.

Weareopenlongertoserveyoubetter.

For more information, call 0861 733359 or visit your nearest FNB EasyPlan branch during the following extended hours:

Weekdays: MondaytoFriday - 7am–5pm 24th–1stofeverymonth - 7am–7pm

Weekends: Saturday: 7am–1pm 24th–1stofeverymonth - 7am–3pm

Useful tips to help you manage your money:

• Alwaysensurethatyouhaveenoughmoneyinyourbankaccount

to cover your monthly loan repayment. Rejected debit orders on

your bank account result in additional bank charges and bad

credit history.

• Bypayingyourloaninstalmentsontime,youincreasethechances

of qualifying for more credit whenever you need it

• TreatyourATM/DebitCardasyouwouldtreatcash–neverletitout

of your sight

• Don’tgiveyoursecretPINtoanyone

•Don’taccepthelpfromstrangersatanATM

•Don’tletyourfriendsorfamilyuseyourATM/Debitcard

• Alwaysadvisethebankofchangeofaddress,newtelephone

details and new employer details

Other Transaction Fees Payable Fee

Purchases

Prepaid Purchase at other bank’s ATM R2.95

International Card Purchases R2.95

Cash Withdrawals

Other bank’s ATM R7.70

Balance Enquiries

Other bank’s ATM R3.25

Declined Transactions

FNBATM(InsufficientFundsorLimitExceeded) Free

Point-of-Sale and other bank’s ATM R5.00

Unsuccessful EDO and Scheduled Payment R6.50

Unpaid Debit Order (per item) R5.00

Scheduled Payment Related Fees

Amendment Fee (FNB Branch) R9.00

Establishment Fee (FNB Branch) R12.00

Other Fees

ATM Card Replacement Fee R27.50

Stop Payments R35.00

* Fees only apply at FNB EasyPlan branches. Transactions at any other FNB branch will be charged at FNB Smart Transmission Account rates. Pricing correct at the time of printing.