FNB BUSINESS CALL ACCOUNT PRODUCT RULES

(Date Last Amended: 14 May 2024)

These Product Rules must be read with the FNB Savings and Cash Investments Account General Terms
and Conditions and the FNB General Terms and Conditions.

What do you need to qualify for a Business You qualify for a Business Call Account only if you have an FNB
Call Account? Primary Transactional Account. The Business Call Account is
not a standalone account and is linked to your FNB Primary
Transactional Account. If your Primary Transactional Account is
closed, your Business Call Account will also be closed or
changed to a product with similar functionality at an interest rate
applicable to that product. If there is any money in your Business
Call Account, this will either be transferred to your linked Primary
Transactional Account before FNB closes the Primary
Transactional Account or transferred to the similar product
referred to above.

Your account may not fall below this R 1 (One Rand).

balance; if it does you will not earn interest.

Minimum balance for your account to R 0 (Zero Rand).

remain active

What interest will you earn, how and when FNB calculates interest on the daily balance in your Business
is it calculated and paid? Call Account and will pay your interest into this account every
month.

Can you deposit money into the account at You can deposit money into this account at any time. The
any time? types of transactions allowed on a Business Call Account are
limited.

When can you withdraw money from the You can withdraw from your Business Call Account at any time
account? by transferring funds to your Primary Transactional Account.
 You cannot use your Business Call Account to make payments
or withdraw cash. Third party payments are not permitted on
this account. The account may not be overdrawn.

What fees must you pay us? There are no fees applicable on this account.

How does Bank Your Change® work? If you have signed up for FNB Bank Your Change® and you
further decide to use the Top Up functionality, you will be
required to select a Top Up denomination ranging from a
minimum of R2 (Two Rand) up till R50 (Fifty Rand). This
means that FNB will round up the amount charged on each
successful point of sale transaction swipe you perform on your
Debit Card or Credit Card to the nearest rand and an additional
top up selected will then be added to the rounded-up amount.
The total amount will then be transferred to your Business Call
Account on a weekly basis.

FNB will check the available balance on your linked FNB

Primary Transactional Account every week if there are enough
funds for the Bank Your Change® swipes coming from your
Transactional Account and Credit Card (where applicable)
transfers to be processed, (i.e. the total Bank Your Change®
amount must be equal to or less than the available balance in
your bank account).

If the amount is available, the Bank Your Change® amount for

both your Transactional Account and Credit Card (where
applicable) will be transferred to your Business Call Account. If
the amount is not available, the transfer will not be processed
and will not be carried over to the next week or any other time
when the funds are available. The savings amount will only
earn interest once it has been transferred into your Business
Call Account.

What do you need to qualify for Bank Your You are required to hold an FNB Primary Transactional
Change? Account. Bank Your Change® will automatically be closed if
your FNB Primary Transactional Account is not in good
standing. Good standing means that your FNB Primary
 Transactional Account and Credit Card is not overdrawn, in
arrears, in default, or subject to any legal process with FNB.
Legal process means any legal proceedings in any court of law
involving you and FNB. Legal process includes, but is not
limited to collection, liquidation, and sequestration
proceedings. Legal process does not include debt reviews
allowed under S86 of the National Credit Act 2005.

You may reapply for Bank Your Change® when your FNB
Primary Transactional Account returns to good standing.

Does this product qualify for Deposit This product falls within qualifying deposits covered by the
Insurance? Corporation for Deposit Insurance (CODI) up to the limit of
cover and if held by a qualifying depositor, as specified in the
Deposit Insurance Regulations made in terms of the Financial
Sector Regulation Act 9 of 2017. You may access more
information on deposit insurance and CODI on the webpage of
the South African Reserve Bank. Further information about
qualifying deposits and qualifying depositors can be found on
our websites.

Note: A copy of the FNB Savings and Cash Investments Account General Terms and Conditions and the FNB General
Terms and Conditions is available on www.fnb.co.za or from our call centre or at your nearest FNB branch.